Home > First Federal Savings and Loan Association > Performance and Condition Ratios
First Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 3,358 |
| Cost of funding earning assets | 2.5131% | 96 |
| Net interest margin | 1.5377% | 4,637 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 2.0172% | 3,589 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | -0.4360% | 4,582 |
| Return on assets (ROA) | -0.4294% | 4,569 |
| Pretax return on assets | -0.5266% | 4,569 |
| Return on Equity (ROE) | -2.9700% | 4,524 |
| Retained earnings to average equity (ytd only) | -2.9681% | 4,242 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 130.3665% | 55 |
| Assets per employee ($millions) | 12.6670% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5655% | 4,391 |
| Loan loss allowance to noncurrent loans | 142.4051% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 1,611 |
| Noncurrent loans to loans | 0.3971% | 1,741 |
| Net loans and leases to total assets | 78.0800% | 758 |
| Net loans and leases to deposits | 90.9850% | 977 |
| Net loans and leases to core deposits | 99.1454% | 1,130 |
| Total domestic deposits to total assets | 85.8200% | 2,647 |
| Equity capital to assets | 14.1786% | 574 |
| Core capital (leverage) ratio | 15.6709% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $49,375,000 | 4,420 |
| Average earning assets | $48,385,500 | 4,368 |
| Average equity | $7,142,500 | 4,102 |
| Average total loans | $39,012,500 | 4,086 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 3,212 |
| Cost of funding earning assets | 1.2951% | 52 |
| Net interest margin | 2.1527% | 4,496 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 1.6922% | 4,193 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.3638% | 4,294 |
| Return on assets (ROA) | 0.3498% | 4,282 |
| Pretax return on assets | 0.4215% | 4,260 |
| Return on Equity (ROE) | 2.2700% | 4,363 |
| Retained earnings to average equity (ytd only) | 2.2699% | 3,924 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.8802% | 794 |
| Assets per employee ($millions) | 12.0205% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5675% | 4,371 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.0700% | 689 |
| Net loans and leases to deposits | 92.7815% | 864 |
| Net loans and leases to core deposits | 98.7173% | 1,067 |
| Total domestic deposits to total assets | 85.2300% | 2,928 |
| Equity capital to assets | 14.7685% | 491 |
| Core capital (leverage) ratio | 16.7382% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $47,453,000 | 4,461 |
| Average earning assets | $46,407,200 | 4,413 |
| Average equity | $7,313,200 | 4,174 |
| Average total loans | $37,375,000 | 4,113 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3646% | 3,002 |
| Cost of funding earning assets | 1.1417% | 31 |
| Net interest margin | 2.2229% | 4,452 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 1.5589% | 4,353 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5180% | 4,036 |
| Return on assets (ROA) | 0.5018% | 4,017 |
| Pretax return on assets | 0.6146% | 3,960 |
| Return on Equity (ROE) | 3.2200% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.2218% | 3,723 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.6258% | 1,690 |
| Assets per employee ($millions) | 12.1268% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5668% | 4,406 |
| Loan loss allowance to noncurrent loans | 320.8955% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,639 |
| Noncurrent loans to loans | 0.1766% | 2,704 |
| Net loans and leases to total assets | 77.7500% | 730 |
| Net loans and leases to deposits | 91.0966% | 818 |
| Net loans and leases to core deposits | 98.0654% | 895 |
| Total domestic deposits to total assets | 85.3500% | 3,205 |
| Equity capital to assets | 14.6206% | 489 |
| Core capital (leverage) ratio | 16.6835% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $47,295,750 | 4,499 |
| Average earning assets | $46,245,000 | 4,450 |
| Average equity | $7,366,250 | 4,208 |
| Average total loans | $37,159,500 | 4,139 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3395% | 2,610 |
| Cost of funding earning assets | 1.0651% | 27 |
| Net interest margin | 2.2743% | 4,355 |
| Noninterest income to average assets | 0.0469% | 4,636 |
| Noninterest expense to average assets | 1.4118% | 4,515 |
| Loan and lease loss provision to assets | 0.0213% | 2,218 |
| Net operating income to assets | 0.6722% | 3,407 |
| Return on assets (ROA) | 0.6483% | 3,430 |
| Pretax return on assets | 0.8061% | 3,309 |
| Return on Equity (ROE) | 4.0763% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.0763% | 3,053 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2180% | 3,017 |
| Assets per employee ($millions) | 11.6175% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 4,475 |
| Loan loss allowance to noncurrent loans | 325.7576% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 2,730 |
| Noncurrent loans to loans | 0.1795% | 2,799 |
| Net loans and leases to total assets | 78.6766% | 507 |
| Net loans and leases to deposits | 93.4013% | 547 |
| Net loans and leases to core deposits | 102.1685% | 582 |
| Total domestic deposits to total assets | 84.2350% | 3,641 |
| Equity capital to assets | 15.6445% | 356 |
| Core capital (leverage) ratio | 15.4953% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,892,000 | 4,548 |
| Average earning assets | $45,815,333 | 4,510 |
| Average equity | $7,457,667 | 4,258 |
| Average total loans | $36,903,000 | 4,198 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3061% | 2,370 |
| Cost of funding earning assets | 1.0527% | 28 |
| Net interest margin | 2.2534% | 4,289 |
| Noninterest income to average assets | 0.0849% | 4,556 |
| Noninterest expense to average assets | 1.3502% | 4,580 |
| Loan and lease loss provision to assets | 0.0425% | 1,594 |
| Net operating income to assets | 0.6620% | 3,190 |
| Return on assets (ROA) | 0.6284% | 3,287 |
| Pretax return on assets | 0.8492% | 2,946 |
| Return on Equity (ROE) | 3.9198% | 3,895 |
| Retained earnings to average equity (ytd only) | 3.9198% | 2,959 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1078% | 3,573 |
| Assets per employee ($millions) | 11.7348% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5760% | 4,522 |
| Loan loss allowance to noncurrent loans | 398.1481% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 1,728 |
| Noncurrent loans to loans | 0.1447% | 3,083 |
| Net loans and leases to total assets | 79.0601% | 290 |
| Net loans and leases to deposits | 94.0756% | 360 |
| Net loans and leases to core deposits | 102.7892% | 425 |
| Total domestic deposits to total assets | 84.0389% | 3,757 |
| Equity capital to assets | 15.8738% | 326 |
| Core capital (leverage) ratio | 15.7195% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,103,000 | 4,575 |
| Average earning assets | $45,975,500 | 4,531 |
| Average equity | $7,551,500 | 4,309 |
| Average total loans | $36,966,500 | 4,209 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5286% | 2,579 |
| Cost of funding earning assets | 1.1467% | 37 |
| Net interest margin | 2.3819% | 4,341 |
| Noninterest income to average assets | -0.0172% | 4,825 |
| Noninterest expense to average assets | 1.5926% | 4,435 |
| Loan and lease loss provision to assets | 0.0924% | 1,348 |
| Net operating income to assets | 0.4582% | 4,170 |
| Return on assets (ROA) | 0.4922% | 4,153 |
| Pretax return on assets | 0.6534% | 4,027 |
| Return on Equity (ROE) | 3.0214% | 4,359 |
| Retained earnings to average equity (ytd only) | 3.0214% | 3,625 |
| Net charge-offs to loans | 0.0523% | 1,279 |
| Credit loss provision to net charge-offs | 238.8889% | 1,198 |
| Earnings coverage of net charge-offs (x) | 18.1667% | 1,916 |
| Efficiency ratio | 69.3820% | 1,808 |
| Assets per employee ($millions) | 11.8168% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 4,559 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 1,837 |
| Noncurrent loans to loans | 0.1530% | 3,172 |
| Net loans and leases to total assets | 77.0051% | 445 |
| Net loans and leases to deposits | 92.0839% | 466 |
| Net loans and leases to core deposits | 99.9012% | 543 |
| Total domestic deposits to total assets | 83.6249% | 3,653 |
| Equity capital to assets | 16.1889% | 360 |
| Core capital (leverage) ratio | 16.2688% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,529,000 | 4,596 |
| Average earning assets | $45,173,800 | 4,560 |
| Average equity | $7,579,200 | 4,370 |
| Average total loans | $34,420,800 | 4,297 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5567% | 2,674 |
| Cost of funding earning assets | 1.1648% | 41 |
| Net interest margin | 2.3919% | 4,406 |
| Noninterest income to average assets | -0.0230% | 4,895 |
| Noninterest expense to average assets | 1.6082% | 4,459 |
| Loan and lease loss provision to assets | 0.0885% | 1,350 |
| Net operating income to assets | 0.4471% | 4,302 |
| Return on assets (ROA) | 0.4948% | 4,260 |
| Pretax return on assets | 0.6559% | 4,147 |
| Return on Equity (ROE) | 3.0330% | 4,461 |
| Retained earnings to average equity (ytd only) | 3.0330% | 3,899 |
| Net charge-offs to loans | 0.0708% | 943 |
| Credit loss provision to net charge-offs | 172.2222% | 1,281 |
| Earnings coverage of net charge-offs (x) | 13.2222% | 1,935 |
| Efficiency ratio | 70.1380% | 1,588 |
| Assets per employee ($millions) | 11.6490% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5505% | 4,670 |
| Loan loss allowance to noncurrent loans | 347.3684% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 2,013 |
| Noncurrent loans to loans | 0.1585% | 3,333 |
| Net loans and leases to total assets | 76.7684% | 487 |
| Net loans and leases to deposits | 92.0012% | 496 |
| Net loans and leases to core deposits | 104.9188% | 434 |
| Total domestic deposits to total assets | 83.4428% | 3,593 |
| Equity capital to assets | 16.3297% | 384 |
| Core capital (leverage) ratio | 16.2451% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,344,500 | 4,668 |
| Average earning assets | $44,871,750 | 4,629 |
| Average equity | $7,561,000 | 4,433 |
| Average total loans | $33,874,000 | 4,363 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 2,814 |
| Cost of funding earning assets | 1.1844% | 46 |
| Net interest margin | 2.3464% | 4,467 |
| Noninterest income to average assets | 0.0000% | 4,919 |
| Noninterest expense to average assets | 1.5521% | 4,571 |
| Loan and lease loss provision to assets | 0.1297% | 961 |
| Net operating income to assets | 0.4416% | 4,316 |
| Return on assets (ROA) | 0.4929% | 4,279 |
| Pretax return on assets | 0.6528% | 4,154 |
| Return on Equity (ROE) | 3.0219% | 4,473 |
| Retained earnings to average equity (ytd only) | 3.0219% | 3,830 |
| Net charge-offs to loans | 0.1085% | 704 |
| Credit loss provision to net charge-offs | 166.6667% | 1,123 |
| Earnings coverage of net charge-offs (x) | 9.2222% | 1,847 |
| Efficiency ratio | 68.3810% | 1,831 |
| Assets per employee ($millions) | 11.6788% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5412% | 4,710 |
| Loan loss allowance to noncurrent loans | 324.1379% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 2,250 |
| Noncurrent loans to loans | 0.1670% | 3,381 |
| Net loans and leases to total assets | 73.9613% | 759 |
| Net loans and leases to deposits | 88.5197% | 748 |
| Net loans and leases to core deposits | 101.6834% | 600 |
| Total domestic deposits to total assets | 83.5535% | 3,558 |
| Equity capital to assets | 16.2903% | 389 |
| Core capital (leverage) ratio | 16.3954% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2080% | 172 |
| Memoranda: | ||
| Average total assets | $46,260,667 | 4,692 |
| Average earning assets | $44,749,000 | 4,652 |
| Average equity | $7,545,000 | 4,460 |
| Average total loans | $33,175,667 | 4,406 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 3,106 |
| Cost of funding earning assets | 1.2230% | 50 |
| Net interest margin | 2.2121% | 4,604 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 1.6944% | 4,386 |
| Loan and lease loss provision to assets | 0.2346% | 472 |
| Net operating income to assets | 0.1563% | 4,669 |
| Return on assets (ROA) | 0.2867% | 4,570 |
| Pretax return on assets | 0.3736% | 4,524 |
| Return on Equity (ROE) | 1.7571% | 4,631 |
| Retained earnings to average equity (ytd only) | 1.7571% | 4,062 |
| Net charge-offs to loans | 0.2223% | 376 |
| Credit loss provision to net charge-offs | 150.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 1,791 |
| Efficiency ratio | 79.2683% | 869 |
| Assets per employee ($millions) | 11.4608% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5626% | 4,724 |
| Loan loss allowance to noncurrent loans | 308.3333% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 2,411 |
| Noncurrent loans to loans | 0.1825% | 3,452 |
| Net loans and leases to total assets | 71.3282% | 1,113 |
| Net loans and leases to deposits | 85.3782% | 1,010 |
| Net loans and leases to core deposits | 99.8473% | 721 |
| Total domestic deposits to total assets | 83.5438% | 3,559 |
| Equity capital to assets | 16.2620% | 363 |
| Core capital (leverage) ratio | 15.8690% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,033,500 | 4,714 |
| Average earning assets | $44,482,500 | 4,677 |
| Average equity | $7,512,500 | 4,482 |
| Average total loans | $32,394,000 | 4,445 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 3,751 |
| Cost of funding earning assets | 1.6338% | 44 |
| Net interest margin | 1.9895% | 4,829 |
| Noninterest income to average assets | 0.0090% | 4,942 |
| Noninterest expense to average assets | 1.4231% | 4,823 |
| Loan and lease loss provision to assets | 0.0649% | 3,564 |
| Net operating income to assets | 0.3624% | 4,323 |
| Return on assets (ROA) | 0.4967% | 4,122 |
| Pretax return on assets | 0.6310% | 4,019 |
| Return on Equity (ROE) | 2.9916% | 4,385 |
| Retained earnings to average equity (ytd only) | 2.9916% | 3,362 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0195% | 1,570 |
| Assets per employee ($millions) | 11.5560% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 4,756 |
| Loan loss allowance to noncurrent loans | 84.2105% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 2,225 |
| Noncurrent loans to loans | 0.6551% | 2,042 |
| Net loans and leases to total assets | 68.6397% | 1,745 |
| Net loans and leases to deposits | 82.2800% | 1,637 |
| Net loans and leases to core deposits | 97.2118% | 1,049 |
| Total domestic deposits to total assets | 83.4220% | 3,290 |
| Equity capital to assets | 16.3768% | 395 |
| Core capital (leverage) ratio | 16.5409% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,690,600 | 4,710 |
| Average earning assets | $43,579,600 | 4,677 |
| Average equity | $7,420,800 | 4,485 |
| Average total loans | $30,612,400 | 4,506 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 3,896 |
| Cost of funding earning assets | 1.7485% | 42 |
| Net interest margin | 1.9120% | 4,911 |
| Noninterest income to average assets | 0.0120% | 4,965 |
| Noninterest expense to average assets | 1.3241% | 4,901 |
| Loan and lease loss provision to assets | 0.0880% | 3,211 |
| Net operating income to assets | 0.3819% | 4,299 |
| Return on assets (ROA) | 0.6139% | 3,816 |
| Pretax return on assets | 0.7493% | 3,780 |
| Return on Equity (ROE) | 3.6837% | 4,246 |
| Retained earnings to average equity (ytd only) | 3.6837% | 3,202 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5128% | 1,817 |
| Assets per employee ($millions) | 11.3795% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5783% | 4,752 |
| Loan loss allowance to noncurrent loans | 193.4066% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 3,438 |
| Noncurrent loans to loans | 0.2990% | 3,204 |
| Net loans and leases to total assets | 66.4726% | 2,453 |
| Net loans and leases to deposits | 79.7202% | 2,345 |
| Net loans and leases to core deposits | 94.4056% | 1,600 |
| Total domestic deposits to total assets | 83.3824% | 3,030 |
| Equity capital to assets | 16.4528% | 418 |
| Core capital (leverage) ratio | 16.5359% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,307,250 | 4,739 |
| Average earning assets | $43,235,000 | 4,703 |
| Average equity | $7,383,750 | 4,509 |
| Average total loans | $30,289,500 | 4,537 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 4,154 |
| Cost of funding earning assets | 1.8844% | 30 |
| Net interest margin | 1.7771% | 4,988 |
| Noninterest income to average assets | 0.0137% | 4,987 |
| Noninterest expense to average assets | 1.3120% | 4,946 |
| Loan and lease loss provision to assets | 0.0547% | 3,618 |
| Net operating income to assets | 0.3119% | 4,400 |
| Return on assets (ROA) | 0.4373% | 4,215 |
| Pretax return on assets | 0.5375% | 4,179 |
| Return on Equity (ROE) | 2.6127% | 4,423 |
| Retained earnings to average equity (ytd only) | 2.6127% | 3,543 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,369 |
| Assets per employee ($millions) | 11.0650% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5229% | 4,812 |
| Loan loss allowance to noncurrent loans | 172.8261% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 3,500 |
| Noncurrent loans to loans | 0.3026% | 3,303 |
| Net loans and leases to total assets | 68.3416% | 2,297 |
| Net loans and leases to deposits | 82.4443% | 2,157 |
| Net loans and leases to core deposits | 94.7233% | 1,691 |
| Total domestic deposits to total assets | 82.8943% | 3,113 |
| Equity capital to assets | 16.8572% | 387 |
| Core capital (leverage) ratio | 16.9202% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,903,667 | 4,766 |
| Average earning assets | $42,878,667 | 4,728 |
| Average equity | $7,348,667 | 4,533 |
| Average total loans | $30,241,667 | 4,556 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,384 |
| Cost of funding earning assets | 2.0171% | 31 |
| Net interest margin | 1.6888% | 5,058 |
| Noninterest income to average assets | 0.0183% | 5,026 |
| Noninterest expense to average assets | 1.3722% | 4,976 |
| Loan and lease loss provision to assets | 0.0549% | 3,078 |
| Net operating income to assets | 0.3019% | 4,338 |
| Return on assets (ROA) | 0.3385% | 4,297 |
| Pretax return on assets | 0.2744% | 4,486 |
| Return on Equity (ROE) | 2.0295% | 4,440 |
| Retained earnings to average equity (ytd only) | 2.0295% | 3,438 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4176% | 946 |
| Assets per employee ($millions) | 10.9870% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5094% | 4,863 |
| Loan loss allowance to noncurrent loans | 115.0376% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 3,241 |
| Noncurrent loans to loans | 0.4428% | 2,930 |
| Net loans and leases to total assets | 67.9894% | 2,540 |
| Net loans and leases to deposits | 81.6483% | 2,497 |
| Net loans and leases to core deposits | 94.5510% | 1,918 |
| Total domestic deposits to total assets | 83.2711% | 3,023 |
| Equity capital to assets | 16.6310% | 494 |
| Core capital (leverage) ratio | 16.6762% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,725,500 | 4,802 |
| Average earning assets | $42,634,500 | 4,766 |
| Average equity | $7,292,500 | 4,574 |
| Average total loans | $30,159,000 | 4,588 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 4,352 |
| Cost of funding earning assets | 2.0018% | 62 |
| Net interest margin | 1.9476% | 5,099 |
| Noninterest income to average assets | 0.0288% | 5,084 |
| Noninterest expense to average assets | 1.5202% | 4,996 |
| Loan and lease loss provision to assets | 0.0767% | 2,455 |
| Net operating income to assets | 0.2502% | 4,798 |
| Return on assets (ROA) | 0.2805% | 4,793 |
| Pretax return on assets | 0.3669% | 4,756 |
| Return on Equity (ROE) | 1.6169% | 4,842 |
| Retained earnings to average equity (ytd only) | 1.6169% | 4,156 |
| Net charge-offs to loans | 0.0242% | 2,922 |
| Credit loss provision to net charge-offs | 457.1429% | 635 |
| Earnings coverage of net charge-offs (x) | 24.1429% | 1,787 |
| Efficiency ratio | 78.9539% | 1,041 |
| Assets per employee ($millions) | 10.8758% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4854% | 4,904 |
| Loan loss allowance to noncurrent loans | 229.6875% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 3,899 |
| Noncurrent loans to loans | 0.2113% | 3,706 |
| Net loans and leases to total assets | 69.2780% | 2,505 |
| Net loans and leases to deposits | 83.2610% | 2,414 |
| Net loans and leases to core deposits | 96.5435% | 1,855 |
| Total domestic deposits to total assets | 83.2058% | 3,135 |
| Equity capital to assets | 16.7253% | 502 |
| Core capital (leverage) ratio | 16.8418% | 431 |
| Tier 1 risk-based capital ratio | 42.5547% | 207 |
| Total risk-based capital ratio | 43.4144% | 203 |
| Memoranda: | ||
| Average total assets | $41,705,600 | 4,867 |
| Average earning assets | $40,613,600 | 4,834 |
| Average equity | $7,236,000 | 4,610 |
| Average total loans | $28,921,400 | 4,662 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0052% | 4,352 |
| Cost of funding earning assets | 1.9694% | 72 |
| Net interest margin | 2.0358% | 5,179 |
| Noninterest income to average assets | 0.0388% | 5,136 |
| Noninterest expense to average assets | 1.4801% | 5,078 |
| Loan and lease loss provision to assets | 0.0679% | 2,527 |
| Net operating income to assets | 0.3566% | 4,780 |
| Return on assets (ROA) | 0.3975% | 4,754 |
| Pretax return on assets | 0.5236% | 4,664 |
| Return on Equity (ROE) | 2.2696% | 4,871 |
| Retained earnings to average equity (ytd only) | 2.2696% | 4,179 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2800% | 1,661 |
| Assets per employee ($millions) | 10.8175% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4902% | 4,983 |
| Loan loss allowance to noncurrent loans | 213.4328% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,965 |
| Noncurrent loans to loans | 0.2297% | 3,722 |
| Net loans and leases to total assets | 67.0834% | 2,915 |
| Net loans and leases to deposits | 80.7270% | 2,829 |
| Net loans and leases to core deposits | 94.8068% | 2,101 |
| Total domestic deposits to total assets | 83.0991% | 3,130 |
| Equity capital to assets | 16.8500% | 499 |
| Core capital (leverage) ratio | 17.0858% | 430 |
| Tier 1 risk-based capital ratio | 42.9781% | 199 |
| Total risk-based capital ratio | 43.8187% | 203 |
| Memoranda: | ||
| Average total assets | $41,256,250 | 4,945 |
| Average earning assets | $40,146,750 | 4,908 |
| Average equity | $7,226,000 | 4,668 |
| Average total loans | $28,580,500 | 4,737 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 4,258 |
| Cost of funding earning assets | 1.9074% | 86 |
| Net interest margin | 2.1503% | 5,223 |
| Noninterest income to average assets | 0.0493% | 5,169 |
| Noninterest expense to average assets | 1.3946% | 5,167 |
| Loan and lease loss provision to assets | 0.0591% | 2,641 |
| Net operating income to assets | 0.6016% | 4,301 |
| Return on assets (ROA) | 0.6702% | 4,151 |
| Pretax return on assets | 0.7688% | 4,172 |
| Return on Equity (ROE) | 3.7755% | 4,634 |
| Retained earnings to average equity (ytd only) | 3.7755% | 3,366 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0575% | 2,965 |
| Assets per employee ($millions) | 10.5403% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4651% | 5,058 |
| Loan loss allowance to noncurrent loans | 197.0588% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 3,957 |
| Noncurrent loans to loans | 0.2360% | 3,696 |
| Net loans and leases to total assets | 68.0107% | 2,811 |
| Net loans and leases to deposits | 82.3894% | 2,684 |
| Net loans and leases to core deposits | 94.7807% | 2,178 |
| Total domestic deposits to total assets | 82.5479% | 3,356 |
| Equity capital to assets | 17.2529% | 444 |
| Core capital (leverage) ratio | 17.4534% | 387 |
| Tier 1 risk-based capital ratio | 42.1264% | 210 |
| Total risk-based capital ratio | 42.9053% | 212 |
| Memoranda: | ||
| Average total assets | $40,585,000 | 4,996 |
| Average earning assets | $39,530,000 | 4,964 |
| Average equity | $7,204,330 | 4,694 |
| Average total loans | $28,384,000 | 4,776 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 4,240 |
| Cost of funding earning assets | 1.8330% | 92 |
| Net interest margin | 2.2244% | 5,269 |
| Noninterest income to average assets | 0.0603% | 5,181 |
| Noninterest expense to average assets | 1.4775% | 5,184 |
| Loan and lease loss provision to assets | 0.0402% | 2,821 |
| Net operating income to assets | 0.5428% | 4,398 |
| Return on assets (ROA) | 0.5428% | 4,425 |
| Pretax return on assets | 0.7136% | 4,267 |
| Return on Equity (ROE) | 3.0128% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.0128% | 3,730 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2162% | 2,916 |
| Assets per employee ($millions) | 10.2740% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4426% | 5,136 |
| Loan loss allowance to noncurrent loans | 182.6087% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 3,979 |
| Noncurrent loans to loans | 0.2424% | 3,698 |
| Net loans and leases to total assets | 68.9653% | 2,624 |
| Net loans and leases to deposits | 83.7802% | 2,412 |
| Net loans and leases to core deposits | 95.1138% | 2,016 |
| Total domestic deposits to total assets | 82.3170% | 3,641 |
| Equity capital to assets | 17.5419% | 386 |
| Core capital (leverage) ratio | 17.8838% | 345 |
| Tier 1 risk-based capital ratio | 42.8859% | 189 |
| Total risk-based capital ratio | 43.6313% | 192 |
| Memoranda: | ||
| Average total assets | $39,797,000 | 5,062 |
| Average earning assets | $38,842,500 | 5,020 |
| Average equity | $7,169,500 | 4,731 |
| Average total loans | $28,172,000 | 4,838 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 4,368 |
| Cost of funding earning assets | 1.3355% | 188 |
| Net interest margin | 2.5251% | 5,205 |
| Noninterest income to average assets | 0.0300% | 5,305 |
| Noninterest expense to average assets | 1.6242% | 5,155 |
| Loan and lease loss provision to assets | 0.0136% | 3,873 |
| Net operating income to assets | 0.5574% | 4,531 |
| Return on assets (ROA) | 0.5423% | 4,559 |
| Pretax return on assets | 0.8257% | 4,104 |
| Return on Equity (ROE) | 2.8259% | 4,930 |
| Retained earnings to average equity (ytd only) | 2.8259% | 3,988 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4226% | 2,968 |
| Assets per employee ($millions) | 9.6245% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4377% | 5,185 |
| Loan loss allowance to noncurrent loans | 187.6923% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 3,976 |
| Noncurrent loans to loans | 0.2332% | 3,746 |
| Net loans and leases to total assets | 72.0921% | 2,245 |
| Net loans and leases to deposits | 88.5860% | 1,978 |
| Net loans and leases to core deposits | 100.6637% | 1,671 |
| Total domestic deposits to total assets | 81.3809% | 3,813 |
| Equity capital to assets | 18.5204% | 298 |
| Core capital (leverage) ratio | 18.9897% | 263 |
| Tier 1 risk-based capital ratio | 46.4761% | 157 |
| Total risk-based capital ratio | 47.2650% | 162 |
| Memoranda: | ||
| Average total assets | $36,696,000 | 5,149 |
| Average earning assets | $35,642,400 | 5,101 |
| Average equity | $7,042,000 | 4,743 |
| Average total loans | $25,730,200 | 4,917 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 4,378 |
| Cost of funding earning assets | 1.2503% | 193 |
| Net interest margin | 2.5764% | 5,235 |
| Noninterest income to average assets | 0.0037% | 5,421 |
| Noninterest expense to average assets | 1.5671% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5996% | 4,500 |
| Return on assets (ROA) | 0.5996% | 4,508 |
| Pretax return on assets | 0.9380% | 3,904 |
| Return on Equity (ROE) | 3.0959% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.0959% | 4,199 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5551% | 3,417 |
| Assets per employee ($millions) | 9.2000% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4490% | 5,243 |
| Loan loss allowance to noncurrent loans | 128.5714% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 3,720 |
| Noncurrent loans to loans | 0.3492% | 3,400 |
| Net loans and leases to total assets | 70.4973% | 2,563 |
| Net loans and leases to deposits | 87.2826% | 2,236 |
| Net loans and leases to core deposits | 92.8924% | 2,400 |
| Total domestic deposits to total assets | 80.7690% | 3,934 |
| Equity capital to assets | 19.1658% | 265 |
| Core capital (leverage) ratio | 19.6479% | 249 |
| Tier 1 risk-based capital ratio | 48.7895% | 142 |
| Total risk-based capital ratio | 49.5874% | 146 |
| Memoranda: | ||
| Average total assets | $36,245,500 | 5,218 |
| Average earning assets | $35,190,250 | 5,170 |
| Average equity | $7,020,000 | 4,792 |
| Average total loans | $25,193,750 | 4,991 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 4,288 |
| Cost of funding earning assets | 1.1706% | 206 |
| Net interest margin | 2.6538% | 5,246 |
| Noninterest income to average assets | 0.0055% | 5,477 |
| Noninterest expense to average assets | 1.5696% | 5,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6489% | 4,348 |
| Return on assets (ROA) | 0.6489% | 4,357 |
| Pretax return on assets | 1.0260% | 3,582 |
| Return on Equity (ROE) | 3.3386% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.3386% | 3,910 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4701% | 3,871 |
| Assets per employee ($millions) | 8.9533% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4657% | 5,302 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 3,997 |
| Noncurrent loans to loans | 0.2866% | 3,673 |
| Net loans and leases to total assets | 69.8210% | 2,604 |
| Net loans and leases to deposits | 87.1740% | 2,195 |
| Net loans and leases to core deposits | 93.0557% | 2,304 |
| Total domestic deposits to total assets | 80.0938% | 4,215 |
| Equity capital to assets | 19.6996% | 241 |
| Core capital (leverage) ratio | 19.7723% | 237 |
| Tier 1 risk-based capital ratio | 47.7992% | 151 |
| Total risk-based capital ratio | 48.5866% | 153 |
| Memoranda: | ||
| Average total assets | $36,060,670 | 5,285 |
| Average earning assets | $35,195,000 | 5,230 |
| Average equity | $7,009,000 | 4,843 |
| Average total loans | $24,905,000 | 5,062 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,602 |
| Cost of funding earning assets | 1.1179% | 207 |
| Net interest margin | 2.5294% | 5,374 |
| Noninterest income to average assets | 0.0111% | 5,542 |
| Noninterest expense to average assets | 1.6250% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5527% | 4,564 |
| Return on assets (ROA) | 0.5527% | 4,566 |
| Pretax return on assets | 0.8622% | 3,976 |
| Return on Equity (ROE) | 2.8629% | 5,052 |
| Retained earnings to average equity (ytd only) | 2.8629% | 4,052 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3333% | 3,273 |
| Assets per employee ($millions) | 9.0198% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4737% | 5,360 |
| Loan loss allowance to noncurrent loans | 188.7097% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 4,225 |
| Noncurrent loans to loans | 0.2510% | 3,862 |
| Net loans and leases to total assets | 68.1338% | 2,754 |
| Net loans and leases to deposits | 84.6080% | 2,330 |
| Net loans and leases to core deposits | 90.2158% | 2,432 |
| Total domestic deposits to total assets | 80.5288% | 4,313 |
| Equity capital to assets | 19.3908% | 239 |
| Core capital (leverage) ratio | 19.2733% | 242 |
| Tier 1 risk-based capital ratio | 48.1918% | 146 |
| Total risk-based capital ratio | 48.9977% | 147 |
| Memoranda: | ||
| Average total assets | $36,184,500 | 5,345 |
| Average earning assets | $35,424,000 | 5,284 |
| Average equity | $6,986,000 | 4,896 |
| Average total loans | $24,796,500 | 5,116 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 4,175 |
| Cost of funding earning assets | 0.9774% | 243 |
| Net interest margin | 2.7864% | 5,184 |
| Noninterest income to average assets | 0.0088% | 5,603 |
| Noninterest expense to average assets | 1.9166% | 5,091 |
| Loan and lease loss provision to assets | 0.0351% | 3,567 |
| Net operating income to assets | 0.4558% | 4,510 |
| Return on assets (ROA) | 0.4558% | 4,542 |
| Pretax return on assets | 0.6807% | 4,555 |
| Return on Equity (ROE) | 2.2619% | 5,001 |
| Retained earnings to average equity (ytd only) | 2.2619% | 3,962 |
| Net charge-offs to loans | 0.0521% | 2,760 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 20.4167% | 1,963 |
| Efficiency ratio | 72.8080% | 2,099 |
| Assets per employee ($millions) | 9.0725% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4700% | 5,425 |
| Loan loss allowance to noncurrent loans | 188.7097% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 3,819 |
| Noncurrent loans to loans | 0.2491% | 3,898 |
| Net loans and leases to total assets | 68.2750% | 2,781 |
| Net loans and leases to deposits | 84.6932% | 2,414 |
| Net loans and leases to core deposits | 90.2426% | 2,547 |
| Total domestic deposits to total assets | 80.6145% | 4,215 |
| Equity capital to assets | 19.2229% | 242 |
| Core capital (leverage) ratio | 19.4107% | 217 |
| Tier 1 risk-based capital ratio | 38.8095% | 241 |
| Total risk-based capital ratio | 39.4604% | 244 |
| Memoranda: | ||
| Average total assets | $34,227,000 | 5,427 |
| Average earning assets | $32,227,800 | 5,401 |
| Average equity | $6,897,000 | 4,957 |
| Average total loans | $23,032,800 | 5,222 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,135 |
| Cost of funding earning assets | 0.9342% | 282 |
| Net interest margin | 2.8282% | 5,181 |
| Noninterest income to average assets | 0.0198% | 5,653 |
| Noninterest expense to average assets | 1.8510% | 5,203 |
| Loan and lease loss provision to assets | 0.0475% | 3,153 |
| Net operating income to assets | 0.5023% | 4,724 |
| Return on assets (ROA) | 0.5023% | 4,757 |
| Pretax return on assets | 0.7554% | 4,465 |
| Return on Equity (ROE) | 2.4622% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.4622% | 4,418 |
| Net charge-offs to loans | 0.0709% | 2,115 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 16.9163% | 2,146 |
| Efficiency ratio | 69.7466% | 2,577 |
| Assets per employee ($millions) | 8.8498% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 5,475 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 4,390 |
| Noncurrent loans to loans | 0.2673% | 4,004 |
| Net loans and leases to total assets | 66.2392% | 3,070 |
| Net loans and leases to deposits | 82.6332% | 2,704 |
| Net loans and leases to core deposits | 88.2067% | 2,754 |
| Total domestic deposits to total assets | 80.1605% | 4,285 |
| Equity capital to assets | 19.6983% | 239 |
| Core capital (leverage) ratio | 19.7502% | 218 |
| Tier 1 risk-based capital ratio | 40.3483% | 220 |
| Total risk-based capital ratio | 41.0253% | 223 |
| Memoranda: | ||
| Average total assets | $33,711,250 | 5,498 |
| Average earning assets | $31,397,750 | 5,479 |
| Average equity | $6,877,250 | 5,016 |
| Average total loans | $22,567,500 | 5,296 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 4,187 |
| Cost of funding earning assets | 0.8934% | 321 |
| Net interest margin | 2.8183% | 5,217 |
| Noninterest income to average assets | 0.0302% | 5,684 |
| Noninterest expense to average assets | 1.7437% | 5,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5732% | 4,417 |
| Return on assets (ROA) | 0.5732% | 4,472 |
| Pretax return on assets | 0.8748% | 4,015 |
| Return on Equity (ROE) | 2.7756% | 5,175 |
| Retained earnings to average equity (ytd only) | 2.7756% | 4,047 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5899% | 3,247 |
| Assets per employee ($millions) | 8.2358% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5102% | 5,509 |
| Loan loss allowance to noncurrent loans | 105.4054% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 3,774 |
| Noncurrent loans to loans | 0.4840% | 3,298 |
| Net loans and leases to total assets | 69.2621% | 2,624 |
| Net loans and leases to deposits | 88.0863% | 1,968 |
| Net loans and leases to core deposits | 94.6096% | 2,101 |
| Total domestic deposits to total assets | 78.6298% | 4,704 |
| Equity capital to assets | 21.0029% | 183 |
| Core capital (leverage) ratio | 20.9217% | 174 |
| Tier 1 risk-based capital ratio | 45.1190% | 157 |
| Total risk-based capital ratio | 45.8820% | 163 |
| Memoranda: | ||
| Average total assets | $33,148,670 | 5,556 |
| Average earning assets | $30,444,000 | 5,540 |
| Average equity | $6,845,330 | 5,045 |
| Average total loans | $22,235,000 | 5,346 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 4,190 |
| Cost of funding earning assets | 0.9050% | 269 |
| Net interest margin | 2.7682% | 5,305 |
| Noninterest income to average assets | 0.0241% | 5,774 |
| Noninterest expense to average assets | 1.7804% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5052% | 4,575 |
| Return on assets (ROA) | 0.5052% | 4,606 |
| Pretax return on assets | 0.7458% | 4,299 |
| Return on Equity (ROE) | 2.4675% | 5,238 |
| Retained earnings to average equity (ytd only) | 2.4675% | 4,154 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4762% | 2,823 |
| Assets per employee ($millions) | 8.3348% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5293% | 5,569 |
| Loan loss allowance to noncurrent loans | 134.4828% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 4,169 |
| Noncurrent loans to loans | 0.3936% | 3,692 |
| Net loans and leases to total assets | 65.9558% | 2,977 |
| Net loans and leases to deposits | 83.1185% | 2,380 |
| Net loans and leases to core deposits | 89.1145% | 2,445 |
| Total domestic deposits to total assets | 79.3515% | 4,758 |
| Equity capital to assets | 20.4715% | 200 |
| Core capital (leverage) ratio | 20.5066% | 188 |
| Tier 1 risk-based capital ratio | 46.1086% | 163 |
| Total risk-based capital ratio | 46.8991% | 163 |
| Memoranda: | ||
| Average total assets | $33,251,500 | 5,618 |
| Average earning assets | $30,056,000 | 5,609 |
| Average equity | $6,808,500 | 5,098 |
| Average total loans | $21,885,500 | 5,411 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 4,481 |
| Cost of funding earning assets | 0.8603% | 365 |
| Net interest margin | 2.7500% | 5,357 |
| Noninterest income to average assets | 0.0000% | 5,853 |
| Noninterest expense to average assets | 1.9062% | 5,351 |
| Loan and lease loss provision to assets | 0.0190% | 3,995 |
| Net operating income to assets | 0.4053% | 4,920 |
| Return on assets (ROA) | 0.4053% | 5,007 |
| Pretax return on assets | 0.5953% | 4,799 |
| Return on Equity (ROE) | 1.9029% | 5,421 |
| Retained earnings to average equity (ytd only) | 1.9029% | 4,449 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6281% | 2,040 |
| Assets per employee ($millions) | 8.2910% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5400% | 5,615 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 4,537 |
| Noncurrent loans to loans | 0.3000% | 4,067 |
| Net loans and leases to total assets | 64.9741% | 3,219 |
| Net loans and leases to deposits | 81.8444% | 2,688 |
| Net loans and leases to core deposits | 87.7540% | 2,700 |
| Total domestic deposits to total assets | 79.3873% | 4,700 |
| Equity capital to assets | 20.4800% | 194 |
| Core capital (leverage) ratio | 20.5949% | 178 |
| Tier 1 risk-based capital ratio | 49.8788% | 135 |
| Total risk-based capital ratio | 50.7380% | 136 |
| Memoranda: | ||
| Average total assets | $31,581,200 | 5,692 |
| Average earning assets | $28,945,000 | 5,678 |
| Average equity | $6,726,600 | 5,147 |
| Average total loans | $20,832,200 | 5,494 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6160% | 4,501 |
| Cost of funding earning assets | 0.8402% | 402 |
| Net interest margin | 2.7758% | 5,395 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 1.9026% | 5,370 |
| Loan and lease loss provision to assets | 0.0257% | 3,730 |
| Net operating income to assets | 0.4275% | 4,939 |
| Return on assets (ROA) | 0.4275% | 5,023 |
| Pretax return on assets | 0.6285% | 4,804 |
| Return on Equity (ROE) | 1.9870% | 5,475 |
| Retained earnings to average equity (ytd only) | 1.9870% | 4,691 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4147% | 2,200 |
| Assets per employee ($millions) | 8.0918% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5570% | 5,659 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 4,629 |
| Noncurrent loans to loans | 0.3094% | 4,142 |
| Net loans and leases to total assets | 64.5380% | 3,330 |
| Net loans and leases to deposits | 81.7477% | 2,766 |
| Net loans and leases to core deposits | 87.8169% | 2,778 |
| Total domestic deposits to total assets | 78.9477% | 4,734 |
| Equity capital to assets | 20.9658% | 195 |
| Core capital (leverage) ratio | 20.9916% | 168 |
| Tier 1 risk-based capital ratio | 50.5885% | 130 |
| Total risk-based capital ratio | 51.4601% | 131 |
| Memoranda: | ||
| Average total assets | $31,185,500 | 5,757 |
| Average earning assets | $28,723,500 | 5,742 |
| Average equity | $6,710,250 | 5,202 |
| Average total loans | $20,624,000 | 5,556 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 4,520 |
| Cost of funding earning assets | 0.8188% | 445 |
| Net interest margin | 2.8065% | 5,416 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 1.8512% | 5,534 |
| Loan and lease loss provision to assets | 0.0390% | 3,378 |
| Net operating income to assets | 0.4806% | 4,760 |
| Return on assets (ROA) | 0.4806% | 4,858 |
| Pretax return on assets | 0.7145% | 4,574 |
| Return on Equity (ROE) | 2.2139% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.2139% | 4,466 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0723% | 2,807 |
| Assets per employee ($millions) | 7.9845% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5640% | 5,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 64.5845% | 3,284 |
| Net loans and leases to deposits | 82.1040% | 2,704 |
| Net loans and leases to core deposits | 88.2854% | 2,700 |
| Total domestic deposits to total assets | 78.6618% | 4,858 |
| Equity capital to assets | 21.1410% | 178 |
| Core capital (leverage) ratio | 21.4408% | 148 |
| Tier 1 risk-based capital ratio | 51.3823% | 124 |
| Total risk-based capital ratio | 52.2710% | 124 |
| Memoranda: | ||
| Average total assets | $30,791,670 | 5,833 |
| Average earning assets | $28,577,000 | 5,813 |
| Average equity | $6,685,000 | 5,250 |
| Average total loans | $20,496,670 | 5,618 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5880% | 4,654 |
| Cost of funding earning assets | 0.7739% | 568 |
| Net interest margin | 2.8141% | 5,450 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 1.9988% | 5,342 |
| Loan and lease loss provision to assets | 0.0794% | 2,370 |
| Net operating income to assets | 0.3971% | 5,004 |
| Return on assets (ROA) | 0.3971% | 5,078 |
| Pretax return on assets | 0.5692% | 4,902 |
| Return on Equity (ROE) | 1.8041% | 5,545 |
| Retained earnings to average equity (ytd only) | 1.8041% | 4,540 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5000% | 2,254 |
| Assets per employee ($millions) | 7.6070% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5727% | 5,788 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 5,058 |
| Noncurrent loans to loans | 0.1909% | 4,727 |
| Net loans and leases to total assets | 66.7543% | 2,850 |
| Net loans and leases to deposits | 85.6288% | 2,106 |
| Net loans and leases to core deposits | 91.4214% | 2,241 |
| Total domestic deposits to total assets | 77.9578% | 5,156 |
| Equity capital to assets | 21.8943% | 155 |
| Core capital (leverage) ratio | 22.1006% | 135 |
| Tier 1 risk-based capital ratio | 52.3116% | 118 |
| Total risk-based capital ratio | 53.2223% | 118 |
| Memoranda: | ||
| Average total assets | $30,218,500 | 5,905 |
| Average earning assets | $28,428,000 | 5,873 |
| Average equity | $6,651,500 | 5,291 |
| Average total loans | $20,373,000 | 5,671 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4070% | 5,142 |
| Cost of funding earning assets | 0.6977% | 832 |
| Net interest margin | 2.7093% | 5,633 |
| Noninterest income to average assets | 0.0263% | 6,056 |
| Noninterest expense to average assets | 2.0780% | 5,292 |
| Loan and lease loss provision to assets | 0.0494% | 3,336 |
| Net operating income to assets | 0.3096% | 5,330 |
| Return on assets (ROA) | 0.3096% | 5,413 |
| Pretax return on assets | 0.4182% | 5,284 |
| Return on Equity (ROE) | 1.4301% | 5,696 |
| Retained earnings to average equity (ytd only) | 1.4301% | 4,911 |
| Net charge-offs to loans | 0.0773% | 2,719 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 9.4667% | 2,817 |
| Efficiency ratio | 81.6300% | 1,457 |
| Assets per employee ($millions) | 7.5023% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5463% | 5,875 |
| Loan loss allowance to noncurrent loans | 168.1818% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 4,712 |
| Noncurrent loans to loans | 0.3249% | 4,294 |
| Net loans and leases to total assets | 67.3331% | 2,814 |
| Net loans and leases to deposits | 86.5835% | 2,051 |
| Net loans and leases to core deposits | 92.5183% | 2,174 |
| Total domestic deposits to total assets | 77.7667% | 5,208 |
| Equity capital to assets | 22.1300% | 140 |
| Core capital (leverage) ratio | 21.8011% | 136 |
| Tier 1 risk-based capital ratio | 51.9171% | 114 |
| Total risk-based capital ratio | 52.7786% | 117 |
| Memoranda: | ||
| Average total assets | $30,365,600 | 5,951 |
| Average earning assets | $28,236,000 | 5,934 |
| Average equity | $6,572,800 | 5,332 |
| Average total loans | $19,392,800 | 5,747 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3615% | 5,292 |
| Cost of funding earning assets | 0.6714% | 977 |
| Net interest margin | 2.6902% | 5,737 |
| Noninterest income to average assets | 0.0350% | 6,132 |
| Noninterest expense to average assets | 2.0007% | 5,476 |
| Loan and lease loss provision to assets | 0.0657% | 2,869 |
| Net operating income to assets | 0.3327% | 5,365 |
| Return on assets (ROA) | 0.3327% | 5,442 |
| Pretax return on assets | 0.4597% | 5,332 |
| Return on Equity (ROE) | 1.5457% | 5,765 |
| Retained earnings to average equity (ytd only) | 1.5457% | 5,092 |
| Net charge-offs to loans | 0.1044% | 2,090 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,853 |
| Efficiency ratio | 79.2028% | 1,772 |
| Assets per employee ($millions) | 7.7468% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5563% | 5,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.0398% | 3,303 |
| Net loans and leases to deposits | 81.5585% | 2,698 |
| Net loans and leases to core deposits | 88.7954% | 2,577 |
| Total domestic deposits to total assets | 78.5200% | 5,083 |
| Equity capital to assets | 21.3832% | 175 |
| Core capital (leverage) ratio | 21.7475% | 148 |
| Tier 1 risk-based capital ratio | 53.4781% | 119 |
| Total risk-based capital ratio | 54.3677% | 120 |
| Memoranda: | ||
| Average total assets | $30,454,750 | 6,031 |
| Average earning assets | $28,201,000 | 6,014 |
| Average equity | $6,555,750 | 5,404 |
| Average total loans | $19,161,750 | 5,824 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3376% | 5,369 |
| Cost of funding earning assets | 0.6547% | 1,073 |
| Net interest margin | 2.6829% | 5,790 |
| Noninterest income to average assets | 0.0528% | 6,166 |
| Noninterest expense to average assets | 1.9420% | 5,652 |
| Loan and lease loss provision to assets | 0.0991% | 2,171 |
| Net operating income to assets | 0.3567% | 5,269 |
| Return on assets (ROA) | 0.3567% | 5,383 |
| Pretax return on assets | 0.5020% | 5,222 |
| Return on Equity (ROE) | 1.6533% | 5,765 |
| Retained earnings to average equity (ytd only) | 1.6533% | 4,872 |
| Net charge-offs to loans | 0.1588% | 1,525 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 6.0667% | 2,829 |
| Efficiency ratio | 76.3636% | 2,297 |
| Assets per employee ($millions) | 6.0580% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5781% | 6,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 63.0208% | 3,410 |
| Net loans and leases to deposits | 80.6907% | 2,697 |
| Net loans and leases to core deposits | 84.9155% | 2,889 |
| Total domestic deposits to total assets | 78.1017% | 5,264 |
| Equity capital to assets | 21.6936% | 162 |
| Core capital (leverage) ratio | 21.9068% | 136 |
| Tier 1 risk-based capital ratio | 56.6803% | 109 |
| Total risk-based capital ratio | 57.6261% | 111 |
| Memoranda: | ||
| Average total assets | $30,277,330 | 6,107 |
| Average earning assets | $28,104,330 | 6,084 |
| Average equity | $6,532,330 | 5,445 |
| Average total loans | $18,897,330 | 5,890 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3779% | 5,255 |
| Cost of funding earning assets | 0.6219% | 1,290 |
| Net interest margin | 2.7560% | 5,729 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 2.0085% | 5,562 |
| Loan and lease loss provision to assets | 0.1982% | 939 |
| Net operating income to assets | 0.2775% | 5,485 |
| Return on assets (ROA) | 0.2775% | 5,582 |
| Pretax return on assets | 0.3700% | 5,499 |
| Return on Equity (ROE) | 1.2897% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.2897% | 4,966 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9487% | 2,194 |
| Assets per employee ($millions) | 7.5670% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 6,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 5,793 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 62.2043% | 3,333 |
| Net loans and leases to deposits | 79.5874% | 2,607 |
| Net loans and leases to core deposits | 83.7395% | 2,800 |
| Total domestic deposits to total assets | 78.1585% | 5,412 |
| Equity capital to assets | 21.6995% | 159 |
| Core capital (leverage) ratio | 21.8579% | 136 |
| Tier 1 risk-based capital ratio | 57.5565% | 111 |
| Total risk-based capital ratio | 58.5217% | 112 |
| Memoranda: | ||
| Average total assets | $30,271,000 | 6,170 |
| Average earning assets | $28,302,000 | 6,141 |
| Average equity | $6,513,000 | 5,495 |
| Average total loans | $18,746,000 | 5,948 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5671% | 5,174 |
| Cost of funding earning assets | 0.5709% | 2,038 |
| Net interest margin | 2.9962% | 5,456 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 2.0366% | 5,706 |
| Loan and lease loss provision to assets | 0.0195% | 4,229 |
| Net operating income to assets | 0.5437% | 4,624 |
| Return on assets (ROA) | 0.5416% | 4,720 |
| Pretax return on assets | 0.8172% | 4,198 |
| Return on Equity (ROE) | 2.5664% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.5664% | 4,410 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8005% | 3,413 |
| Assets per employee ($millions) | 7.5685% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 6,146 |
| Loan loss allowance to noncurrent loans | 444.0000% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 5,698 |
| Noncurrent loans to loans | 0.1347% | 5,354 |
| Net loans and leases to total assets | 60.9170% | 3,650 |
| Net loans and leases to deposits | 77.5558% | 3,022 |
| Net loans and leases to core deposits | 80.0191% | 3,295 |
| Total domestic deposits to total assets | 78.5459% | 5,340 |
| Equity capital to assets | 21.3318% | 176 |
| Core capital (leverage) ratio | 21.7910% | 142 |
| Tier 1 risk-based capital ratio | 50.8048% | 133 |
| Total risk-based capital ratio | 51.6596% | 132 |
| Memoranda: | ||
| Average total assets | $30,835,600 | 6,237 |
| Average earning assets | $29,604,000 | 6,188 |
| Average equity | $6,507,200 | 5,524 |
| Average total loans | $17,551,200 | 6,063 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 5,171 |
| Cost of funding earning assets | 0.5608% | 2,188 |
| Net interest margin | 3.0282% | 5,441 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 1.9370% | 5,887 |
| Loan and lease loss provision to assets | 0.0258% | 3,892 |
| Net operating income to assets | 0.6140% | 4,380 |
| Return on assets (ROA) | 0.6112% | 4,485 |
| Pretax return on assets | 0.9383% | 3,830 |
| Return on Equity (ROE) | 2.9041% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.9041% | 4,532 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,102 |
| Assets per employee ($millions) | 7.5788% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 6,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 57.3577% | 4,155 |
| Net loans and leases to deposits | 73.3733% | 3,510 |
| Net loans and leases to core deposits | 75.7053% | 3,780 |
| Total domestic deposits to total assets | 78.1725% | 5,495 |
| Equity capital to assets | 21.7087% | 164 |
| Core capital (leverage) ratio | 21.6922% | 150 |
| Tier 1 risk-based capital ratio | 59.5544% | 91 |
| Total risk-based capital ratio | 60.5597% | 91 |
| Memoranda: | ||
| Average total assets | $30,976,000 | 6,309 |
| Average earning assets | $29,720,250 | 6,262 |
| Average equity | $6,519,500 | 5,569 |
| Average total loans | $17,300,750 | 6,140 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 5,150 |
| Cost of funding earning assets | 0.5601% | 2,261 |
| Net interest margin | 3.0403% | 5,417 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 1.8784% | 6,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6708% | 3,988 |
| Return on assets (ROA) | 0.6667% | 4,109 |
| Pretax return on assets | 1.0386% | 3,332 |
| Return on Equity (ROE) | 3.2005% | 5,456 |
| Retained earnings to average equity (ytd only) | 3.2005% | 4,164 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2544% | 4,653 |
| Assets per employee ($millions) | 7.6645% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5930% | 6,321 |
| Loan loss allowance to noncurrent loans | 201.9231% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 5,633 |
| Noncurrent loans to loans | 0.2937% | 5,136 |
| Net loans and leases to total assets | 57.4173% | 4,063 |
| Net loans and leases to deposits | 73.3489% | 3,410 |
| Net loans and leases to core deposits | 75.6403% | 3,659 |
| Total domestic deposits to total assets | 78.2797% | 5,583 |
| Equity capital to assets | 21.3713% | 163 |
| Core capital (leverage) ratio | 21.3321% | 151 |
| Tier 1 risk-based capital ratio | 58.6758% | 94 |
| Total risk-based capital ratio | 59.6178% | 92 |
| Memoranda: | ||
| Average total assets | $31,196,330 | 6,364 |
| Average earning assets | $29,997,000 | 6,317 |
| Average equity | $6,499,000 | 5,601 |
| Average total loans | $17,234,670 | 6,189 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5875% | 5,208 |
| Cost of funding earning assets | 0.5651% | 2,289 |
| Net interest margin | 3.0224% | 5,473 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 1.8052% | 6,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7073% | 3,648 |
| Return on assets (ROA) | 0.6992% | 3,770 |
| Pretax return on assets | 1.1060% | 2,880 |
| Return on Equity (ROE) | 3.3990% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.3990% | 4,092 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7391% | 5,166 |
| Assets per employee ($millions) | 7.8588% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6170% | 6,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 53.8063% | 4,446 |
| Net loans and leases to deposits | 68.0534% | 3,850 |
| Net loans and leases to core deposits | 70.0953% | 4,080 |
| Total domestic deposits to total assets | 79.0647% | 5,673 |
| Equity capital to assets | 20.6903% | 184 |
| Core capital (leverage) ratio | 20.6490% | 179 |
| Tier 1 risk-based capital ratio | 58.1944% | 96 |
| Total risk-based capital ratio | 59.1357% | 98 |
| Memoranda: | ||
| Average total assets | $31,465,500 | 6,426 |
| Average earning assets | $30,439,000 | 6,374 |
| Average equity | $6,472,500 | 5,641 |
| Average total loans | $16,998,000 | 6,260 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 5,280 |
| Cost of funding earning assets | 0.6734% | 2,014 |
| Net interest margin | 2.9759% | 5,631 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 1.8520% | 6,256 |
| Loan and lease loss provision to assets | 0.0032% | 5,048 |
| Net operating income to assets | 0.5898% | 4,310 |
| Return on assets (ROA) | 0.5898% | 4,422 |
| Pretax return on assets | 0.9196% | 3,681 |
| Return on Equity (ROE) | 2.9274% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.9274% | 4,163 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7429% | 4,416 |
| Assets per employee ($millions) | 7.8740% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6185% | 6,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 53.5687% | 4,642 |
| Net loans and leases to deposits | 67.4448% | 4,127 |
| Net loans and leases to core deposits | 69.4492% | 4,351 |
| Total domestic deposits to total assets | 79.4260% | 5,571 |
| Equity capital to assets | 20.4502% | 188 |
| Core capital (leverage) ratio | 20.4502% | 175 |
| Tier 1 risk-based capital ratio | 58.3371% | 92 |
| Total risk-based capital ratio | 59.2881% | 94 |
| Memoranda: | ||
| Average total assets | $31,534,000 | 6,493 |
| Average earning assets | $29,403,200 | 6,461 |
| Average equity | $6,353,800 | 5,728 |
| Average total loans | $16,599,000 | 6,340 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 5,157 |
| Cost of funding earning assets | 0.6997% | 1,948 |
| Net interest margin | 3.0047% | 5,585 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 1.7373% | 6,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6594% | 4,071 |
| Return on assets (ROA) | 0.6594% | 4,205 |
| Pretax return on assets | 1.0398% | 3,341 |
| Return on Equity (ROE) | 3.2847% | 5,505 |
| Retained earnings to average equity (ytd only) | 3.2847% | 4,340 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5571% | 5,060 |
| Assets per employee ($millions) | 7.7838% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 6,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 50.8527% | 5,025 |
| Net loans and leases to deposits | 64.1168% | 4,506 |
| Net loans and leases to core deposits | 66.0396% | 4,708 |
| Total domestic deposits to total assets | 79.3127% | 5,672 |
| Equity capital to assets | 20.5749% | 187 |
| Core capital (leverage) ratio | 20.5749% | 180 |
| Tier 1 risk-based capital ratio | 59.6184% | 91 |
| Total risk-based capital ratio | 60.5956% | 92 |
| Memoranda: | ||
| Average total assets | $31,543,500 | 6,568 |
| Average earning assets | $29,153,500 | 6,535 |
| Average equity | $6,332,000 | 5,802 |
| Average total loans | $16,504,500 | 6,413 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 4,888 |
| Cost of funding earning assets | 0.7258% | 1,877 |
| Net interest margin | 3.0553% | 5,411 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 1.6856% | 6,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7008% | 3,805 |
| Return on assets (ROA) | 0.7008% | 3,982 |
| Pretax return on assets | 1.1048% | 3,081 |
| Return on Equity (ROE) | 3.5197% | 5,416 |
| Retained earnings to average equity (ytd only) | 3.5197% | 4,083 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4072% | 5,423 |
| Assets per employee ($millions) | 7.8248% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6747% | 6,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 49.3882% | 5,177 |
| Net loans and leases to deposits | 62.2905% | 4,698 |
| Net loans and leases to core deposits | 64.1411% | 4,878 |
| Total domestic deposits to total assets | 79.2869% | 5,755 |
| Equity capital to assets | 20.3233% | 190 |
| Core capital (leverage) ratio | 20.3233% | 178 |
| Tier 1 risk-based capital ratio | 61.3937% | 86 |
| Total risk-based capital ratio | 62.4071% | 83 |
| Memoranda: | ||
| Average total assets | $31,679,670 | 6,612 |
| Average earning assets | $28,933,000 | 6,588 |
| Average equity | $6,307,330 | 5,850 |
| Average total loans | $16,693,330 | 6,441 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 4,274 |
| Cost of funding earning assets | 0.7497% | 1,852 |
| Net interest margin | 3.2071% | 4,910 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 1.6567% | 6,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7782% | 3,293 |
| Return on assets (ROA) | 0.7782% | 3,425 |
| Pretax return on assets | 1.2425% | 2,426 |
| Return on Equity (ROE) | 3.9487% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,868 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 5,941 |
| Assets per employee ($millions) | 7.9923% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6197% | 6,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.6729% | 4,601 |
| Net loans and leases to deposits | 65.8674% | 4,070 |
| Net loans and leases to core deposits | 67.7571% | 4,336 |
| Total domestic deposits to total assets | 79.9681% | 5,758 |
| Equity capital to assets | 19.7441% | 225 |
| Core capital (leverage) ratio | 19.7441% | 206 |
| Tier 1 risk-based capital ratio | 59.7897% | 92 |
| Total risk-based capital ratio | 60.7843% | 91 |
| Memoranda: | ||
| Average total assets | $31,870,000 | 6,672 |
| Average earning assets | $28,811,000 | 6,651 |
| Average equity | $6,280,500 | 5,917 |
| Average total loans | $17,258,500 | 6,473 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 4,560 |
| Cost of funding earning assets | 0.8750% | 2,095 |
| Net interest margin | 3.3334% | 5,132 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 1.7135% | 6,713 |
| Loan and lease loss provision to assets | 0.0605% | 5,022 |
| Net operating income to assets | 0.8153% | 3,219 |
| Return on assets (ROA) | 0.8153% | 3,460 |
| Pretax return on assets | 1.2835% | 2,474 |
| Return on Equity (ROE) | 4.1777% | 5,069 |
| Retained earnings to average equity (ytd only) | 4.1777% | 3,288 |
| Net charge-offs to loans | 0.1064% | 4,600 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 22.2105% | 1,272 |
| Efficiency ratio | 56.0417% | 6,054 |
| Assets per employee ($millions) | 7.9428% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5975% | 6,762 |
| Loan loss allowance to noncurrent loans | 172.1311% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 6,082 |
| Noncurrent loans to loans | 0.3471% | 5,616 |
| Net loans and leases to total assets | 54.9810% | 4,451 |
| Net loans and leases to deposits | 68.5800% | 3,896 |
| Net loans and leases to core deposits | 70.5493% | 4,227 |
| Total domestic deposits to total assets | 80.1706% | 5,614 |
| Equity capital to assets | 19.6689% | 238 |
| Core capital (leverage) ratio | 19.6689% | 208 |
| Tier 1 risk-based capital ratio | 55.3499% | 116 |
| Total risk-based capital ratio | 56.2799% | 117 |
| Memoranda: | ||
| Average total assets | $31,398,200 | 6,720 |
| Average earning assets | $28,799,800 | 6,693 |
| Average equity | $6,127,800 | 5,989 |
| Average total loans | $17,861,600 | 6,515 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 4,573 |
| Cost of funding earning assets | 0.8959% | 2,200 |
| Net interest margin | 3.3747% | 5,120 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 1.6397% | 6,843 |
| Loan and lease loss provision to assets | 0.0809% | 4,621 |
| Net operating income to assets | 0.8731% | 3,116 |
| Return on assets (ROA) | 0.8731% | 3,361 |
| Pretax return on assets | 1.3757% | 2,322 |
| Return on Equity (ROE) | 4.4827% | 5,048 |
| Retained earnings to average equity (ytd only) | 4.4827% | 3,743 |
| Net charge-offs to loans | 0.1412% | 3,987 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 18.0020% | 1,593 |
| Efficiency ratio | 52.9574% | 6,356 |
| Assets per employee ($millions) | 7.8435% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5974% | 6,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 55.6830% | 4,502 |
| Net loans and leases to deposits | 69.4826% | 3,965 |
| Net loans and leases to core deposits | 71.4958% | 4,316 |
| Total domestic deposits to total assets | 80.1396% | 5,615 |
| Equity capital to assets | 19.7552% | 246 |
| Core capital (leverage) ratio | 19.7552% | 216 |
| Tier 1 risk-based capital ratio | 55.0933% | 115 |
| Total risk-based capital ratio | 56.0267% | 115 |
| Memoranda: | ||
| Average total assets | $31,305,000 | 6,807 |
| Average earning assets | $28,722,750 | 6,783 |
| Average equity | $6,097,500 | 6,069 |
| Average total loans | $17,933,750 | 6,602 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 4,464 |
| Cost of funding earning assets | 0.9228% | 2,240 |
| Net interest margin | 3.4046% | 5,064 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 1.6303% | 6,898 |
| Loan and lease loss provision to assets | 0.1215% | 4,004 |
| Net operating income to assets | 0.8759% | 3,013 |
| Return on assets (ROA) | 0.8759% | 3,269 |
| Pretax return on assets | 1.3618% | 2,343 |
| Return on Equity (ROE) | 4.5185% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.5185% | 3,595 |
| Net charge-offs to loans | 0.2105% | 3,308 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 12.2105% | 1,898 |
| Efficiency ratio | 52.3614% | 6,471 |
| Assets per employee ($millions) | 7.8703% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5958% | 6,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.6431% | 4,525 |
| Net loans and leases to deposits | 69.8501% | 3,915 |
| Net loans and leases to core deposits | 71.8735% | 4,312 |
| Total domestic deposits to total assets | 79.6607% | 5,827 |
| Equity capital to assets | 19.4721% | 254 |
| Core capital (leverage) ratio | 19.4721% | 225 |
| Tier 1 risk-based capital ratio | 45.8729% | 165 |
| Total risk-based capital ratio | 46.6662% | 169 |
| Memoranda: | ||
| Average total assets | $31,282,000 | 6,859 |
| Average earning assets | $28,608,330 | 6,834 |
| Average equity | $6,064,000 | 6,103 |
| Average total loans | $18,053,330 | 6,647 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 3,952 |
| Cost of funding earning assets | 0.9544% | 2,276 |
| Net interest margin | 3.5368% | 4,538 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 1.6804% | 6,916 |
| Loan and lease loss provision to assets | 0.2437% | 2,516 |
| Net operating income to assets | 0.8723% | 3,043 |
| Return on assets (ROA) | 0.8723% | 3,266 |
| Pretax return on assets | 1.3084% | 2,506 |
| Return on Equity (ROE) | 4.5100% | 5,039 |
| Retained earnings to average equity (ytd only) | 4.5100% | 3,880 |
| Net charge-offs to loans | 0.4160% | 2,058 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 6.3684% | 2,222 |
| Efficiency ratio | 51.9841% | 6,543 |
| Assets per employee ($millions) | 7.7868% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5811% | 7,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 57.6749% | 4,096 |
| Net loans and leases to deposits | 72.2665% | 3,394 |
| Net loans and leases to core deposits | 74.3697% | 3,853 |
| Total domestic deposits to total assets | 79.8086% | 5,896 |
| Equity capital to assets | 19.4593% | 245 |
| Core capital (leverage) ratio | 19.4593% | 221 |
| Tier 1 risk-based capital ratio | 44.7306% | 168 |
| Total risk-based capital ratio | 45.5129% | 168 |
| Memoranda: | ||
| Average total assets | $31,182,500 | 6,921 |
| Average earning assets | $28,500,000 | 6,894 |
| Average equity | $6,031,000 | 6,141 |
| Average total loans | $18,269,000 | 6,696 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 4,652 |
| Cost of funding earning assets | 1.1783% | 2,175 |
| Net interest margin | 3.4282% | 5,395 |
| Noninterest income to average assets | 0.0467% | 6,848 |
| Noninterest expense to average assets | 1.7070% | 7,049 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9002% | 2,602 |
| Return on assets (ROA) | 0.9002% | 2,736 |
| Pretax return on assets | 1.4436% | 1,644 |
| Return on Equity (ROE) | 4.5993% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.5993% | 2,905 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1799% | 6,494 |
| Assets per employee ($millions) | 7.8045% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5685% | 7,040 |
| Loan loss allowance to noncurrent loans | 161.5385% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 5,524 |
| Noncurrent loans to loans | 0.3519% | 6,019 |
| Net loans and leases to total assets | 58.8250% | 4,223 |
| Net loans and leases to deposits | 73.3797% | 3,601 |
| Net loans and leases to core deposits | 73.3797% | 4,327 |
| Total domestic deposits to total assets | 80.1653% | 5,697 |
| Equity capital to assets | 19.2229% | 273 |
| Core capital (leverage) ratio | 19.2229% | 236 |
| Tier 1 risk-based capital ratio | 50.5688% | 131 |
| Total risk-based capital ratio | 51.4536% | 133 |
| Memoranda: | ||
| Average total assets | $29,993,600 | 6,972 |
| Average earning assets | $27,156,800 | 6,956 |
| Average equity | $5,870,400 | 6,193 |
| Average total loans | $17,926,800 | 6,755 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 4,492 |
| Cost of funding earning assets | 1.2240% | 2,164 |
| Net interest margin | 3.4689% | 5,314 |
| Noninterest income to average assets | 0.0494% | 6,958 |
| Noninterest expense to average assets | 1.6572% | 7,138 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9521% | 2,521 |
| Return on assets (ROA) | 0.9521% | 2,688 |
| Pretax return on assets | 1.5360% | 1,558 |
| Return on Equity (ROE) | 4.8419% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.8419% | 3,287 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8987% | 6,685 |
| Assets per employee ($millions) | 7.6155% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 7,105 |
| Loan loss allowance to noncurrent loans | 156.7164% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 6,510 |
| Noncurrent loans to loans | 0.3708% | 6,110 |
| Net loans and leases to total assets | 58.9653% | 4,329 |
| Net loans and leases to deposits | 73.8387% | 3,677 |
| Net loans and leases to core deposits | 73.8387% | 4,468 |
| Total domestic deposits to total assets | 79.8569% | 5,775 |
| Equity capital to assets | 19.5096% | 281 |
| Core capital (leverage) ratio | 19.5096% | 241 |
| Tier 1 risk-based capital ratio | 50.4542% | 147 |
| Total risk-based capital ratio | 51.3456% | 149 |
| Memoranda: | ||
| Average total assets | $29,687,500 | 7,048 |
| Average earning assets | $26,905,000 | 7,032 |
| Average equity | $5,837,750 | 6,242 |
| Average total loans | $17,791,250 | 6,832 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6853% | 4,599 |
| Cost of funding earning assets | 1.2629% | 2,164 |
| Net interest margin | 3.4224% | 5,469 |
| Noninterest income to average assets | 0.0544% | 7,031 |
| Noninterest expense to average assets | 1.7126% | 7,169 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9107% | 2,596 |
| Return on assets (ROA) | 0.9107% | 2,696 |
| Pretax return on assets | 1.4543% | 1,654 |
| Return on Equity (ROE) | 4.6186% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.6186% | 3,247 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0773% | 6,612 |
| Assets per employee ($millions) | 7.3233% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5910% | 7,146 |
| Loan loss allowance to noncurrent loans | 656.2500% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 6,963 |
| Noncurrent loans to loans | 0.0900% | 6,757 |
| Net loans and leases to total assets | 60.2977% | 4,220 |
| Net loans and leases to deposits | 75.8557% | 3,507 |
| Net loans and leases to core deposits | 75.8557% | 4,333 |
| Total domestic deposits to total assets | 79.4900% | 5,954 |
| Equity capital to assets | 20.0423% | 255 |
| Core capital (leverage) ratio | 20.0423% | 224 |
| Tier 1 risk-based capital ratio | 51.4053% | 144 |
| Total risk-based capital ratio | 52.3247% | 144 |
| Memoranda: | ||
| Average total assets | $29,429,330 | 7,117 |
| Average earning assets | $26,764,670 | 7,101 |
| Average equity | $5,802,670 | 6,288 |
| Average total loans | $17,699,330 | 6,904 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 4,549 |
| Cost of funding earning assets | 1.3198% | 2,068 |
| Net interest margin | 3.3745% | 5,526 |
| Noninterest income to average assets | 0.0678% | 7,050 |
| Noninterest expense to average assets | 1.7493% | 7,189 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8679% | 2,711 |
| Return on assets (ROA) | 0.8679% | 2,769 |
| Pretax return on assets | 1.3696% | 1,819 |
| Return on Equity (ROE) | 4.4379% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.4379% | 3,512 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0870% | 6,493 |
| Assets per employee ($millions) | 7.3318% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5922% | 7,211 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 7,133 |
| Noncurrent loans to loans | 0.0338% | 6,970 |
| Net loans and leases to total assets | 60.0948% | 4,242 |
| Net loans and leases to deposits | 75.2070% | 3,553 |
| Net loans and leases to core deposits | 75.2070% | 4,396 |
| Total domestic deposits to total assets | 79.9059% | 5,967 |
| Equity capital to assets | 19.7770% | 267 |
| Core capital (leverage) ratio | 19.7770% | 243 |
| Tier 1 risk-based capital ratio | 51.0339% | 140 |
| Total risk-based capital ratio | 51.9578% | 142 |
| Memoranda: | ||
| Average total assets | $29,497,500 | 7,164 |
| Average earning assets | $26,671,000 | 7,149 |
| Average equity | $5,768,500 | 6,317 |
| Average total loans | $17,665,000 | 6,960 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0616% | 4,276 |
| Cost of funding earning assets | 1.6607% | 1,778 |
| Net interest margin | 3.4010% | 5,629 |
| Noninterest income to average assets | 0.0428% | 7,145 |
| Noninterest expense to average assets | 1.8245% | 7,242 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8018% | 2,794 |
| Return on assets (ROA) | 0.8018% | 2,924 |
| Pretax return on assets | 1.2615% | 2,037 |
| Return on Equity (ROE) | 3.9999% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.9999% | 3,065 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1224% | 6,174 |
| Assets per employee ($millions) | 7.4170% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5966% | 7,266 |
| Loan loss allowance to noncurrent loans | 1,312.5000% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 7,176 |
| Noncurrent loans to loans | 0.0455% | 7,013 |
| Net loans and leases to total assets | 58.9726% | 4,853 |
| Net loans and leases to deposits | 73.2725% | 4,317 |
| Net loans and leases to core deposits | 73.2725% | 5,070 |
| Total domestic deposits to total assets | 80.4840% | 5,690 |
| Equity capital to assets | 19.3373% | 302 |
| Core capital (leverage) ratio | 19.3373% | 272 |
| Tier 1 risk-based capital ratio | 50.8194% | 142 |
| Total risk-based capital ratio | 51.7495% | 144 |
| Memoranda: | ||
| Average total assets | $28,062,000 | 7,264 |
| Average earning assets | $25,110,400 | 7,253 |
| Average equity | $5,625,200 | 6,479 |
| Average total loans | $16,177,600 | 7,114 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1619% | 4,024 |
| Cost of funding earning assets | 1.7350% | 1,700 |
| Net interest margin | 3.4269% | 5,582 |
| Noninterest income to average assets | 0.0386% | 7,328 |
| Noninterest expense to average assets | 1.7787% | 7,352 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8387% | 2,849 |
| Return on assets (ROA) | 0.8387% | 2,977 |
| Pretax return on assets | 1.3255% | 2,104 |
| Return on Equity (ROE) | 4.1447% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.1447% | 3,555 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2981% | 6,377 |
| Assets per employee ($millions) | 6.9458% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 7,296 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 7,264 |
| Noncurrent loans to loans | 0.0610% | 7,086 |
| Net loans and leases to total assets | 58.6438% | 5,161 |
| Net loans and leases to deposits | 73.8677% | 4,537 |
| Net loans and leases to core deposits | 73.8677% | 5,307 |
| Total domestic deposits to total assets | 79.3903% | 5,900 |
| Equity capital to assets | 20.4658% | 260 |
| Core capital (leverage) ratio | 20.4658% | 230 |
| Tier 1 risk-based capital ratio | 53.5758% | 138 |
| Total risk-based capital ratio | 54.5652% | 138 |
| Memoranda: | ||
| Average total assets | $27,660,500 | 7,367 |
| Average earning assets | $24,744,750 | 7,356 |
| Average equity | $5,597,250 | 6,568 |
| Average total loans | $15,821,750 | 7,218 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 3,736 |
| Cost of funding earning assets | 1.8165% | 1,583 |
| Net interest margin | 3.4293% | 5,519 |
| Noninterest income to average assets | 0.0145% | 7,482 |
| Noninterest expense to average assets | 1.8175% | 7,368 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7821% | 3,057 |
| Return on assets (ROA) | 0.7821% | 3,200 |
| Pretax return on assets | 1.2455% | 2,272 |
| Return on Equity (ROE) | 3.8795% | 4,829 |
| Retained earnings to average equity (ytd only) | 3.8795% | 3,619 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3381% | 6,170 |
| Assets per employee ($millions) | 6.7410% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 7,301 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 7,307 |
| Noncurrent loans to loans | 0.0639% | 7,154 |
| Net loans and leases to total assets | 57.6064% | 5,475 |
| Net loans and leases to deposits | 73.6091% | 4,737 |
| Net loans and leases to core deposits | 73.6091% | 5,487 |
| Total domestic deposits to total assets | 78.2599% | 6,210 |
| Equity capital to assets | 20.8463% | 245 |
| Core capital (leverage) ratio | 20.8463% | 205 |
| Tier 1 risk-based capital ratio | 54.2882% | 135 |
| Total risk-based capital ratio | 55.3023% | 134 |
| Memoranda: | ||
| Average total assets | $27,619,670 | 7,424 |
| Average earning assets | $24,553,330 | 7,419 |
| Average equity | $5,567,670 | 6,600 |
| Average total loans | $15,629,670 | 7,280 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3369% | 3,360 |
| Cost of funding earning assets | 1.8827% | 1,521 |
| Net interest margin | 3.4543% | 5,360 |
| Noninterest income to average assets | 0.0429% | 7,497 |
| Noninterest expense to average assets | 1.8749% | 7,372 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7586% | 3,167 |
| Return on assets (ROA) | 0.7586% | 3,277 |
| Pretax return on assets | 1.1879% | 2,402 |
| Return on Equity (ROE) | 3.8260% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.8260% | 3,843 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2150% | 5,961 |
| Assets per employee ($millions) | 7.0583% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6716% | 7,396 |
| Loan loss allowance to noncurrent loans | 617.6471% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 7,336 |
| Noncurrent loans to loans | 0.1087% | 7,127 |
| Net loans and leases to total assets | 55.0066% | 5,892 |
| Net loans and leases to deposits | 69.1051% | 5,459 |
| Net loans and leases to core deposits | 69.1051% | 5,992 |
| Total domestic deposits to total assets | 79.5983% | 5,913 |
| Equity capital to assets | 19.7181% | 300 |
| Core capital (leverage) ratio | 19.7131% | 268 |
| Tier 1 risk-based capital ratio | 52.5050% | 139 |
| Total risk-based capital ratio | 53.4956% | 141 |
| Memoranda: | ||
| Average total assets | $27,947,500 | 7,507 |
| Average earning assets | $24,433,500 | 7,521 |
| Average equity | $5,541,000 | 6,661 |
| Average total loans | $15,625,500 | 7,371 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 3,679 |
| Cost of funding earning assets | 2.2828% | 1,719 |
| Net interest margin | 3.3035% | 5,726 |
| Noninterest income to average assets | 0.0896% | 7,312 |
| Noninterest expense to average assets | 1.7805% | 7,629 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8571% | 2,319 |
| Return on assets (ROA) | 0.8571% | 2,396 |
| Pretax return on assets | 1.3480% | 1,563 |
| Return on Equity (ROE) | 4.0715% | 4,062 |
| Retained earnings to average equity (ytd only) | 4.0715% | 2,369 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9116% | 6,899 |
| Assets per employee ($millions) | 6.9155% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 7,429 |
| Loan loss allowance to noncurrent loans | 525.0000% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 7,314 |
| Noncurrent loans to loans | 0.1281% | 7,109 |
| Net loans and leases to total assets | 56.0733% | 5,940 |
| Net loans and leases to deposits | 70.5110% | 5,535 |
| Net loans and leases to core deposits | 92.4209% | 4,835 |
| Total domestic deposits to total assets | 79.5243% | 5,839 |
| Equity capital to assets | 19.9371% | 296 |
| Core capital (leverage) ratio | 19.9262% | 286 |
| Tier 1 risk-based capital ratio | 52.4907% | 144 |
| Total risk-based capital ratio | 53.4908% | 144 |
| Memoranda: | ||
| Average total assets | $25,667,400 | 7,622 |
| Average earning assets | $23,611,200 | 7,598 |
| Average equity | $5,403,400 | 6,803 |
| Average total loans | $15,529,000 | 7,422 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6040% | 3,844 |
| Cost of funding earning assets | 2.3539% | 1,789 |
| Net interest margin | 3.2501% | 5,833 |
| Noninterest income to average assets | 0.1060% | 7,378 |
| Noninterest expense to average assets | 1.6687% | 7,784 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9271% | 2,317 |
| Return on assets (ROA) | 0.9271% | 2,386 |
| Pretax return on assets | 1.4727% | 1,492 |
| Return on Equity (ROE) | 4.3406% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.3406% | 2,845 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1197% | 7,325 |
| Assets per employee ($millions) | 6.6680% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6659% | 7,451 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 7,520 |
| Noncurrent loans to loans | 0.0444% | 7,400 |
| Net loans and leases to total assets | 58.7245% | 5,775 |
| Net loans and leases to deposits | 74.4015% | 5,305 |
| Net loans and leases to core deposits | 98.1883% | 4,578 |
| Total domestic deposits to total assets | 78.9292% | 5,828 |
| Equity capital to assets | 20.5159% | 304 |
| Core capital (leverage) ratio | 20.5055% | 284 |
| Tier 1 risk-based capital ratio | 53.3463% | 149 |
| Total risk-based capital ratio | 54.3707% | 151 |
| Memoranda: | ||
| Average total assets | $25,168,750 | 7,708 |
| Average earning assets | $23,506,500 | 7,674 |
| Average equity | $5,375,500 | 6,878 |
| Average total loans | $15,507,250 | 7,491 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6638% | 3,745 |
| Cost of funding earning assets | 2.4065% | 1,943 |
| Net interest margin | 3.2573% | 5,708 |
| Noninterest income to average assets | 0.0568% | 7,705 |
| Noninterest expense to average assets | 1.7188% | 7,813 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9000% | 2,457 |
| Return on assets (ROA) | 0.9000% | 2,565 |
| Pretax return on assets | 1.4108% | 1,693 |
| Return on Equity (ROE) | 4.1547% | 4,432 |
| Retained earnings to average equity (ytd only) | 4.1547% | 2,982 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9223% | 7,237 |
| Assets per employee ($millions) | 6.3378% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 7,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 60.9128% | 5,534 |
| Net loans and leases to deposits | 77.8994% | 4,889 |
| Net loans and leases to core deposits | 106.2547% | 3,810 |
| Total domestic deposits to total assets | 78.1942% | 6,026 |
| Equity capital to assets | 21.3167% | 313 |
| Core capital (leverage) ratio | 21.3167% | 302 |
| Tier 1 risk-based capital ratio | 54.4209% | 152 |
| Total risk-based capital ratio | 55.4783% | 151 |
| Memoranda: | ||
| Average total assets | $24,667,670 | 7,798 |
| Average earning assets | $23,270,670 | 7,755 |
| Average equity | $5,343,330 | 6,950 |
| Average total loans | $15,420,330 | 7,566 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6398% | 4,109 |
| Cost of funding earning assets | 2.4969% | 1,928 |
| Net interest margin | 3.1429% | 6,052 |
| Noninterest income to average assets | 0.0658% | 7,738 |
| Noninterest expense to average assets | 1.8088% | 7,690 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7893% | 3,172 |
| Return on assets (ROA) | 0.7893% | 3,336 |
| Pretax return on assets | 1.2168% | 2,564 |
| Return on Equity (ROE) | 3.6138% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.6138% | 3,883 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7826% | 6,434 |
| Assets per employee ($millions) | 6.1180% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 7,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.3039% | 5,270 |
| Net loans and leases to deposits | 80.0409% | 4,604 |
| Net loans and leases to core deposits | 107.1318% | 3,779 |
| Total domestic deposits to total assets | 77.8400% | 6,067 |
| Equity capital to assets | 21.8249% | 312 |
| Core capital (leverage) ratio | 21.8249% | 313 |
| Tier 1 risk-based capital ratio | 55.1244% | 159 |
| Total risk-based capital ratio | 56.2081% | 160 |
| Memoranda: | ||
| Average total assets | $24,326,000 | 7,856 |
| Average earning assets | $22,908,500 | 7,809 |
| Average equity | $5,313,000 | 7,002 |
| Average total loans | $15,357,000 | 7,617 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9230% | 5,932 |
| Cost of funding earning assets | 3.0756% | 1,587 |
| Net interest margin | 2.8474% | 7,260 |
| Noninterest income to average assets | 0.0841% | 7,721 |
| Noninterest expense to average assets | 2.1751% | 7,035 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4544% | 4,932 |
| Return on assets (ROA) | 0.4544% | 4,759 |
| Pretax return on assets | 0.6395% | 4,574 |
| Return on Equity (ROE) | 2.0414% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.0414% | 3,965 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2795% | 3,037 |
| Assets per employee ($millions) | 6.0450% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 7,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.0976% | 5,436 |
| Net loans and leases to deposits | 81.0035% | 4,870 |
| Net loans and leases to core deposits | 106.0176% | 4,198 |
| Total domestic deposits to total assets | 77.8950% | 5,750 |
| Equity capital to assets | 21.8569% | 358 |
| Core capital (leverage) ratio | 21.8569% | 341 |
| Tier 1 risk-based capital ratio | 54.9091% | 178 |
| Total risk-based capital ratio | 56.0000% | 177 |
| Memoranda: | ||
| Average total assets | $23,769,200 | 7,882 |
| Average earning assets | $22,792,400 | 7,831 |
| Average equity | $5,290,400 | 7,045 |
| Average total loans | $15,122,000 | 7,640 |