Home > Home Federal Savings and Loan Association > Performance and Condition Ratios
Home Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 1,955 |
| Cost of funding earning assets | 1.7302% | 1,387 |
| Net interest margin | 3.3291% | 2,560 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 3.5044% | 574 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.3800% | 3,913 |
| Return on assets (ROA) | 0.3800% | 3,905 |
| Pretax return on assets | 0.3129% | 4,082 |
| Return on Equity (ROE) | 2.8000% | 4,051 |
| Retained earnings to average equity (ytd only) | 2.8008% | 3,343 |
| Net charge-offs to loans | 0.0654% | 1,195 |
| Credit loss provision to net charge-offs | 114.2857% | 1,721 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 2,426 |
| Efficiency ratio | 90.0705% | 408 |
| Assets per employee ($millions) | 6.5907% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 1,767 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 80.2700% | 615 |
| Net loans and leases to deposits | 96.1149% | 776 |
| Net loans and leases to core deposits | 116.1270% | 741 |
| Total domestic deposits to total assets | 83.5100% | 2,749 |
| Equity capital to assets | 13.7265% | 726 |
| Core capital (leverage) ratio | 13.4854% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $40,263,400 | 4,390 |
| Average earning assets | $37,337,800 | 4,361 |
| Average equity | $5,462,800 | 4,217 |
| Average total loans | $32,095,800 | 4,111 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 1,970 |
| Cost of funding earning assets | 1.4943% | 1,623 |
| Net interest margin | 3.4465% | 2,349 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 3.1517% | 869 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6528% | 3,423 |
| Return on assets (ROA) | 0.6528% | 3,416 |
| Pretax return on assets | 0.7154% | 3,520 |
| Return on Equity (ROE) | 4.8200% | 3,841 |
| Retained earnings to average equity (ytd only) | 4.8249% | 2,990 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.1064% | 797 |
| Assets per employee ($millions) | 6.6992% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 1,861 |
| Loan loss allowance to noncurrent loans | 2,978.5714% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,456 |
| Noncurrent loans to loans | 0.0437% | 3,447 |
| Net loans and leases to total assets | 78.6700% | 798 |
| Net loans and leases to deposits | 94.1862% | 883 |
| Net loans and leases to core deposits | 110.5970% | 850 |
| Total domestic deposits to total assets | 83.5300% | 2,898 |
| Equity capital to assets | 13.6161% | 707 |
| Core capital (leverage) ratio | 13.7530% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $40,443,250 | 4,404 |
| Average earning assets | $37,563,250 | 4,380 |
| Average equity | $5,471,500 | 4,223 |
| Average total loans | $32,080,000 | 4,125 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,642 |
| Cost of funding earning assets | 3.0000% | 81 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0813% | 4,397 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.8587% | 2,892 |
| Pretax return on assets | 0.9278% | 3,103 |
| Return on Equity (ROE) | 6.3600% | 3,608 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 1.5382% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 37.0000% | 4,543 |
| Equity capital to assets | 25,363.0000% | 19 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,386,000 | 4,643 |
| Average earning assets | $6,826 | 4,618 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 1,897 |
| Cost of funding earning assets | 0.9530% | 2,208 |
| Net interest margin | 3.7275% | 1,834 |
| Noninterest income to average assets | 1.6100% | 302 |
| Noninterest expense to average assets | 3.4332% | 584 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4601% | 1,263 |
| Return on assets (ROA) | 1.4601% | 1,236 |
| Pretax return on assets | 1.6476% | 1,374 |
| Return on Equity (ROE) | 10.8900% | 2,523 |
| Retained earnings to average equity (ytd only) | 10.8904% | 1,489 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3786% | 2,051 |
| Assets per employee ($millions) | 6.8898% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 2,023 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.0600% | 966 |
| Net loans and leases to deposits | 89.9008% | 1,054 |
| Net loans and leases to core deposits | 112.1051% | 640 |
| Total domestic deposits to total assets | 84.6000% | 2,955 |
| Equity capital to assets | 12.8958% | 779 |
| Core capital (leverage) ratio | 13.1825% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $40,545,000 | 4,491 |
| Average earning assets | $37,773,500 | 4,469 |
| Average equity | $5,436,000 | 4,307 |
| Average total loans | $32,161,000 | 4,196 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 1,062 |
| Cost of funding earning assets | 0.5933% | 929 |
| Net interest margin | 3.7035% | 1,365 |
| Noninterest income to average assets | -0.7500% | 4,707 |
| Noninterest expense to average assets | 2.8618% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.3097% | 4,622 |
| Return on assets (ROA) | -0.3097% | 4,613 |
| Pretax return on assets | -0.1635% | 4,581 |
| Return on Equity (ROE) | -2.2400% | 4,589 |
| Retained earnings to average equity (ytd only) | -2.2434% | 4,493 |
| Net charge-offs to loans | 0.0254% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -8.2500% | 4,694 |
| Efficiency ratio | 106.0606% | 113 |
| Assets per employee ($millions) | 5.6787% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1756% | 4,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 1,500 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.5300% | 450 |
| Net loans and leases to deposits | 97.3009% | 568 |
| Net loans and leases to core deposits | 123.8308% | 304 |
| Total domestic deposits to total assets | 83.7900% | 3,253 |
| Equity capital to assets | 13.9393% | 584 |
| Core capital (leverage) ratio | 13.8719% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $40,359,000 | 4,527 |
| Average earning assets | $37,586,200 | 4,503 |
| Average equity | $5,572,000 | 4,375 |
| Average total loans | $31,541,800 | 4,217 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1552% | 969 |
| Cost of funding earning assets | 0.5901% | 460 |
| Net interest margin | 3.5651% | 1,478 |
| Noninterest income to average assets | -1.1300% | 4,748 |
| Noninterest expense to average assets | 2.5902% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.5529% | 4,682 |
| Return on assets (ROA) | -0.5529% | 4,668 |
| Pretax return on assets | -0.3949% | 4,648 |
| Return on Equity (ROE) | -4.0100% | 4,652 |
| Retained earnings to average equity (ytd only) | -4.0144% | 4,575 |
| Net charge-offs to loans | 0.0341% | 1,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -15.0000% | 4,743 |
| Efficiency ratio | 117.9910% | 73 |
| Assets per employee ($millions) | 5.7159% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1774% | 4,623 |
| Loan loss allowance to noncurrent loans | 91.9355% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 1,114 |
| Noncurrent loans to loans | 0.1929% | 2,636 |
| Net loans and leases to total assets | 80.1700% | 516 |
| Net loans and leases to deposits | 95.6322% | 569 |
| Net loans and leases to core deposits | 121.5414% | 235 |
| Total domestic deposits to total assets | 83.8300% | 3,537 |
| Equity capital to assets | 13.7412% | 589 |
| Core capital (leverage) ratio | 13.5649% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $40,511,000 | 4,557 |
| Average earning assets | $37,734,750 | 4,534 |
| Average equity | $5,579,750 | 4,409 |
| Average total loans | $31,310,750 | 4,243 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 863 |
| Cost of funding earning assets | 0.5978% | 278 |
| Net interest margin | 3.4494% | 1,456 |
| Noninterest income to average assets | -1.4357% | 4,770 |
| Noninterest expense to average assets | 2.3109% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.7670% | 4,702 |
| Return on assets (ROA) | -0.7670% | 4,690 |
| Pretax return on assets | -0.5408% | 4,658 |
| Return on Equity (ROE) | -5.5645% | 4,684 |
| Retained earnings to average equity (ytd only) | -5.5645% | 4,558 |
| Net charge-offs to loans | 0.0387% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -18.3333% | 2,138 |
| Efficiency ratio | 130.5556% | 58 |
| Assets per employee ($millions) | 5.8214% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1904% | 4,694 |
| Loan loss allowance to noncurrent loans | 30.8901% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 1,114 |
| Noncurrent loans to loans | 0.6162% | 1,378 |
| Net loans and leases to total assets | 75.9166% | 738 |
| Net loans and leases to deposits | 90.1977% | 707 |
| Net loans and leases to core deposits | 113.9070% | 281 |
| Total domestic deposits to total assets | 84.1669% | 3,656 |
| Equity capital to assets | 13.5215% | 582 |
| Core capital (leverage) ratio | 13.5698% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,677,667 | 4,602 |
| Average earning assets | $37,803,667 | 4,592 |
| Average equity | $5,607,000 | 4,454 |
| Average total loans | $31,036,667 | 4,293 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 596 |
| Cost of funding earning assets | 0.6161% | 236 |
| Net interest margin | 3.5159% | 1,062 |
| Noninterest income to average assets | -0.6988% | 4,793 |
| Noninterest expense to average assets | 2.5590% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2067% | 4,643 |
| Return on assets (ROA) | -0.2067% | 4,626 |
| Pretax return on assets | 0.0000% | 4,519 |
| Return on Equity (ROE) | -1.4853% | 4,612 |
| Retained earnings to average equity (ytd only) | -1.4853% | 4,196 |
| Net charge-offs to loans | 0.0773% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 1,782 |
| Efficiency ratio | 100.0000% | 244 |
| Assets per employee ($millions) | 5.7827% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1903% | 4,718 |
| Loan loss allowance to noncurrent loans | 37.5796% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 1,214 |
| Noncurrent loans to loans | 0.5064% | 1,759 |
| Net loans and leases to total assets | 76.4446% | 476 |
| Net loans and leases to deposits | 91.6723% | 449 |
| Net loans and leases to core deposits | 110.9343% | 240 |
| Total domestic deposits to total assets | 83.3889% | 3,887 |
| Equity capital to assets | 13.9455% | 534 |
| Core capital (leverage) ratio | 13.8253% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,641,500 | 4,628 |
| Average earning assets | $37,657,500 | 4,618 |
| Average equity | $5,655,500 | 4,504 |
| Average total loans | $31,057,500 | 4,309 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 728 |
| Cost of funding earning assets | 0.7989% | 204 |
| Net interest margin | 3.5924% | 1,487 |
| Noninterest income to average assets | 0.3536% | 3,322 |
| Noninterest expense to average assets | 3.3325% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3439% | 4,364 |
| Return on assets (ROA) | 0.3439% | 4,387 |
| Pretax return on assets | 0.3536% | 4,436 |
| Return on Equity (ROE) | 2.5354% | 4,437 |
| Retained earnings to average equity (ytd only) | 2.5354% | 3,822 |
| Net charge-offs to loans | 0.0063% | 2,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 1,051 |
| Efficiency ratio | 90.4074% | 318 |
| Assets per employee ($millions) | 5.8291% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2089% | 4,753 |
| Loan loss allowance to noncurrent loans | 33.3333% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 1,045 |
| Noncurrent loans to loans | 0.6268% | 1,581 |
| Net loans and leases to total assets | 76.0881% | 515 |
| Net loans and leases to deposits | 91.0870% | 518 |
| Net loans and leases to core deposits | 108.9904% | 304 |
| Total domestic deposits to total assets | 83.5335% | 3,680 |
| Equity capital to assets | 13.8859% | 684 |
| Core capital (leverage) ratio | 13.7859% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,289,800 | 4,647 |
| Average earning assets | $38,303,200 | 4,636 |
| Average equity | $5,600,800 | 4,571 |
| Average total loans | $31,851,600 | 4,343 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 839 |
| Cost of funding earning assets | 0.8426% | 204 |
| Net interest margin | 3.5368% | 1,766 |
| Noninterest income to average assets | 0.3284% | 3,462 |
| Noninterest expense to average assets | 3.2583% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3348% | 4,465 |
| Return on assets (ROA) | 0.3348% | 4,496 |
| Pretax return on assets | 0.3542% | 4,545 |
| Return on Equity (ROE) | 2.4830% | 4,530 |
| Retained earnings to average equity (ytd only) | 2.4830% | 4,059 |
| Net charge-offs to loans | 0.0083% | 2,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 1,184 |
| Efficiency ratio | 90.1961% | 314 |
| Assets per employee ($millions) | 5.9143% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2052% | 4,836 |
| Loan loss allowance to noncurrent loans | 17.9063% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 742 |
| Noncurrent loans to loans | 1.1460% | 979 |
| Net loans and leases to total assets | 76.3551% | 521 |
| Net loans and leases to deposits | 91.2057% | 534 |
| Net loans and leases to core deposits | 108.8833% | 349 |
| Total domestic deposits to total assets | 83.7174% | 3,533 |
| Equity capital to assets | 13.5942% | 826 |
| Core capital (leverage) ratio | 13.6080% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,411,250 | 4,715 |
| Average earning assets | $38,452,000 | 4,698 |
| Average equity | $5,584,500 | 4,640 |
| Average total loans | $32,036,500 | 4,399 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 851 |
| Cost of funding earning assets | 0.8871% | 197 |
| Net interest margin | 3.5120% | 1,824 |
| Noninterest income to average assets | 0.5167% | 2,552 |
| Noninterest expense to average assets | 3.3225% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4733% | 4,273 |
| Return on assets (ROA) | 0.4733% | 4,314 |
| Pretax return on assets | 0.4636% | 4,437 |
| Return on Equity (ROE) | 3.5189% | 4,406 |
| Retained earnings to average equity (ytd only) | 3.5189% | 3,678 |
| Net charge-offs to loans | 0.0062% | 1,918 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 772 |
| Efficiency ratio | 87.7551% | 407 |
| Assets per employee ($millions) | 5.9439% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2043% | 4,873 |
| Loan loss allowance to noncurrent loans | 19.5846% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 886 |
| Noncurrent loans to loans | 1.0431% | 1,178 |
| Net loans and leases to total assets | 77.4942% | 481 |
| Net loans and leases to deposits | 92.2098% | 531 |
| Net loans and leases to core deposits | 109.6925% | 366 |
| Total domestic deposits to total assets | 84.0411% | 3,424 |
| Equity capital to assets | 13.5121% | 819 |
| Core capital (leverage) ratio | 13.5741% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,415,000 | 4,748 |
| Average earning assets | $38,554,000 | 4,728 |
| Average equity | $5,570,000 | 4,669 |
| Average total loans | $32,156,667 | 4,430 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 822 |
| Cost of funding earning assets | 0.9549% | 170 |
| Net interest margin | 3.5080% | 1,803 |
| Noninterest income to average assets | 0.3388% | 3,404 |
| Noninterest expense to average assets | 3.1753% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3872% | 4,385 |
| Return on assets (ROA) | 0.3872% | 4,412 |
| Pretax return on assets | 0.4356% | 4,439 |
| Return on Equity (ROE) | 2.8860% | 4,492 |
| Retained earnings to average equity (ytd only) | 2.8860% | 3,814 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9357% | 447 |
| Assets per employee ($millions) | 5.9163% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2075% | 4,901 |
| Loan loss allowance to noncurrent loans | 17.4935% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 783 |
| Noncurrent loans to loans | 1.1861% | 1,115 |
| Net loans and leases to total assets | 77.8094% | 476 |
| Net loans and leases to deposits | 92.4118% | 569 |
| Net loans and leases to core deposits | 109.9345% | 410 |
| Total domestic deposits to total assets | 84.1986% | 3,369 |
| Equity capital to assets | 13.4351% | 799 |
| Core capital (leverage) ratio | 13.3988% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,319,000 | 4,771 |
| Average earning assets | $38,540,000 | 4,749 |
| Average equity | $5,544,000 | 4,690 |
| Average total loans | $32,080,500 | 4,447 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 614 |
| Cost of funding earning assets | 1.3479% | 151 |
| Net interest margin | 3.5389% | 2,341 |
| Noninterest income to average assets | 0.4046% | 3,070 |
| Noninterest expense to average assets | 3.2852% | 924 |
| Loan and lease loss provision to assets | 0.0658% | 3,554 |
| Net operating income to assets | 0.3680% | 4,310 |
| Return on assets (ROA) | 0.3680% | 4,387 |
| Pretax return on assets | 0.3680% | 4,460 |
| Return on Equity (ROE) | 2.7856% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.7856% | 3,470 |
| Net charge-offs to loans | 0.0633% | 1,872 |
| Credit loss provision to net charge-offs | 128.5714% | 2,560 |
| Earnings coverage of net charge-offs (x) | 8.4762% | 2,599 |
| Efficiency ratio | 88.3355% | 430 |
| Assets per employee ($millions) | 5.8891% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2102% | 4,926 |
| Loan loss allowance to noncurrent loans | 15.0562% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 654 |
| Noncurrent loans to loans | 1.3963% | 973 |
| Net loans and leases to total assets | 77.1468% | 680 |
| Net loans and leases to deposits | 91.2778% | 836 |
| Net loans and leases to core deposits | 108.5315% | 556 |
| Total domestic deposits to total assets | 84.5187% | 2,943 |
| Equity capital to assets | 13.4000% | 966 |
| Core capital (leverage) ratio | 13.4159% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,032,000 | 4,758 |
| Average earning assets | $38,430,200 | 4,735 |
| Average equity | $5,420,800 | 4,702 |
| Average total loans | $33,173,200 | 4,453 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 686 |
| Cost of funding earning assets | 1.4158% | 160 |
| Net interest margin | 3.5188% | 2,526 |
| Noninterest income to average assets | 0.1822% | 4,382 |
| Noninterest expense to average assets | 3.0678% | 1,294 |
| Loan and lease loss provision to assets | 0.0366% | 3,890 |
| Net operating income to assets | 0.3156% | 4,417 |
| Return on assets (ROA) | 0.3156% | 4,468 |
| Pretax return on assets | 0.3774% | 4,458 |
| Return on Equity (ROE) | 2.3972% | 4,493 |
| Retained earnings to average equity (ytd only) | 2.3972% | 3,786 |
| Net charge-offs to loans | 0.0279% | 2,275 |
| Credit loss provision to net charge-offs | 157.1429% | 2,287 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,972 |
| Efficiency ratio | 88.1308% | 413 |
| Assets per employee ($millions) | 5.8480% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1994% | 4,964 |
| Loan loss allowance to noncurrent loans | 10.6383% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 555 |
| Noncurrent loans to loans | 1.8746% | 681 |
| Net loans and leases to total assets | 79.4631% | 661 |
| Net loans and leases to deposits | 94.0743% | 919 |
| Net loans and leases to core deposits | 109.6286% | 712 |
| Total domestic deposits to total assets | 84.4684% | 2,648 |
| Equity capital to assets | 13.3623% | 1,047 |
| Core capital (leverage) ratio | 13.4385% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,984,000 | 4,783 |
| Average earning assets | $38,421,250 | 4,760 |
| Average equity | $5,395,000 | 4,725 |
| Average total loans | $33,499,000 | 4,473 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0067% | 817 |
| Cost of funding earning assets | 1.4833% | 171 |
| Net interest margin | 3.5234% | 2,715 |
| Noninterest income to average assets | -0.0683% | 5,040 |
| Noninterest expense to average assets | 2.8927% | 1,844 |
| Loan and lease loss provision to assets | 0.0049% | 4,111 |
| Net operating income to assets | 0.2390% | 4,523 |
| Return on assets (ROA) | 0.2390% | 4,563 |
| Pretax return on assets | 0.3366% | 4,490 |
| Return on Equity (ROE) | 1.8250% | 4,557 |
| Retained earnings to average equity (ytd only) | 1.8250% | 3,819 |
| Net charge-offs to loans | 0.0118% | 2,538 |
| Credit loss provision to net charge-offs | 50.0000% | 2,621 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,334 |
| Efficiency ratio | 89.4419% | 401 |
| Assets per employee ($millions) | 6.7682% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1788% | 5,000 |
| Loan loss allowance to noncurrent loans | 14.2518% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 1,094 |
| Noncurrent loans to loans | 1.2544% | 1,244 |
| Net loans and leases to total assets | 82.4990% | 372 |
| Net loans and leases to deposits | 97.6422% | 681 |
| Net loans and leases to core deposits | 112.2495% | 656 |
| Total domestic deposits to total assets | 84.4911% | 2,559 |
| Equity capital to assets | 13.3517% | 1,017 |
| Core capital (leverage) ratio | 13.4481% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,000,000 | 4,803 |
| Average earning assets | $38,428,333 | 4,780 |
| Average equity | $5,370,000 | 4,756 |
| Average total loans | $33,800,667 | 4,486 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 784 |
| Cost of funding earning assets | 1.5709% | 209 |
| Net interest margin | 3.5345% | 2,867 |
| Noninterest income to average assets | -1.3982% | 5,105 |
| Noninterest expense to average assets | 2.1653% | 4,087 |
| Loan and lease loss provision to assets | 0.0097% | 3,646 |
| Net operating income to assets | -0.5632% | 4,942 |
| Return on assets (ROA) | -0.5632% | 4,916 |
| Pretax return on assets | -0.2525% | 4,832 |
| Return on Equity (ROE) | -4.3413% | 4,903 |
| Retained earnings to average equity (ytd only) | -4.3413% | 4,468 |
| Net charge-offs to loans | 0.0118% | 2,160 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | -25.0000% | 2,547 |
| Efficiency ratio | 112.6263% | 140 |
| Assets per employee ($millions) | 5.7706% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1814% | 5,037 |
| Loan loss allowance to noncurrent loans | 15.1741% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1710% | 1,073 |
| Noncurrent loans to loans | 1.1955% | 1,366 |
| Net loans and leases to total assets | 83.0915% | 349 |
| Net loans and leases to deposits | 97.6010% | 771 |
| Net loans and leases to core deposits | 116.8134% | 560 |
| Total domestic deposits to total assets | 85.1339% | 2,360 |
| Equity capital to assets | 13.1579% | 1,360 |
| Core capital (leverage) ratio | 12.7403% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,195,500 | 4,828 |
| Average earning assets | $38,704,500 | 4,807 |
| Average equity | $5,344,000 | 4,798 |
| Average total loans | $33,920,000 | 4,501 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 940 |
| Cost of funding earning assets | 1.5963% | 306 |
| Net interest margin | 3.6280% | 3,049 |
| Noninterest income to average assets | 0.3712% | 3,478 |
| Noninterest expense to average assets | 3.2533% | 1,400 |
| Loan and lease loss provision to assets | 0.0412% | 3,190 |
| Net operating income to assets | 0.4197% | 4,563 |
| Return on assets (ROA) | 0.4197% | 4,594 |
| Pretax return on assets | 0.4731% | 4,618 |
| Return on Equity (ROE) | 3.2701% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.2701% | 3,375 |
| Net charge-offs to loans | 0.1362% | 1,422 |
| Credit loss provision to net charge-offs | 36.1702% | 3,231 |
| Earnings coverage of net charge-offs (x) | 4.5106% | 3,209 |
| Efficiency ratio | 86.3490% | 525 |
| Assets per employee ($millions) | 5.9996% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1783% | 5,092 |
| Loan loss allowance to noncurrent loans | 39.3548% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 2,118 |
| Noncurrent loans to loans | 0.4530% | 2,816 |
| Net loans and leases to total assets | 81.3249% | 639 |
| Net loans and leases to deposits | 95.1047% | 1,038 |
| Net loans and leases to core deposits | 118.5656% | 516 |
| Total domestic deposits to total assets | 85.5109% | 2,281 |
| Equity capital to assets | 12.7938% | 1,646 |
| Core capital (leverage) ratio | 12.6770% | 1,390 |
| Tier 1 risk-based capital ratio | 23.0462% | 910 |
| Total risk-based capital ratio | 23.3079% | 997 |
| Memoranda: | ||
| Average total assets | $41,219,200 | 4,874 |
| Average earning assets | $38,589,200 | 4,860 |
| Average equity | $5,290,400 | 4,851 |
| Average total loans | $34,520,400 | 4,547 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2412% | 962 |
| Cost of funding earning assets | 1.5665% | 333 |
| Net interest margin | 3.6747% | 3,012 |
| Noninterest income to average assets | 0.3282% | 3,782 |
| Noninterest expense to average assets | 3.2987% | 1,270 |
| Loan and lease loss provision to assets | 0.0553% | 2,805 |
| Net operating income to assets | 0.4452% | 4,633 |
| Return on assets (ROA) | 0.4452% | 4,669 |
| Pretax return on assets | 0.4128% | 4,796 |
| Return on Equity (ROE) | 3.4662% | 4,685 |
| Retained earnings to average equity (ytd only) | 3.4662% | 3,674 |
| Net charge-offs to loans | 0.1811% | 944 |
| Credit loss provision to net charge-offs | 36.1702% | 2,876 |
| Earnings coverage of net charge-offs (x) | 3.0637% | 3,141 |
| Efficiency ratio | 87.5755% | 419 |
| Assets per employee ($millions) | 6.0857% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1760% | 5,168 |
| Loan loss allowance to noncurrent loans | 48.4127% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 2,877 |
| Noncurrent loans to loans | 0.3636% | 3,249 |
| Net loans and leases to total assets | 81.1995% | 684 |
| Net loans and leases to deposits | 94.8842% | 1,135 |
| Net loans and leases to core deposits | 116.7353% | 631 |
| Total domestic deposits to total assets | 85.5775% | 2,177 |
| Equity capital to assets | 12.5282% | 1,896 |
| Core capital (leverage) ratio | 12.6812% | 1,489 |
| Tier 1 risk-based capital ratio | 22.6509% | 990 |
| Total risk-based capital ratio | 22.9098% | 1,087 |
| Memoranda: | ||
| Average total assets | $41,024,750 | 4,950 |
| Average earning assets | $38,387,250 | 4,932 |
| Average equity | $5,269,750 | 4,918 |
| Average total loans | $34,596,750 | 4,606 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 910 |
| Cost of funding earning assets | 1.5093% | 371 |
| Net interest margin | 3.7310% | 2,828 |
| Noninterest income to average assets | 0.5383% | 2,452 |
| Noninterest expense to average assets | 3.5556% | 897 |
| Loan and lease loss provision to assets | 0.0444% | 2,932 |
| Net operating income to assets | 0.4642% | 4,607 |
| Return on assets (ROA) | 0.4642% | 4,641 |
| Pretax return on assets | 0.4296% | 4,793 |
| Return on Equity (ROE) | 3.5828% | 4,672 |
| Retained earnings to average equity (ytd only) | 3.5828% | 3,459 |
| Net charge-offs to loans | 0.1909% | 867 |
| Credit loss provision to net charge-offs | 27.2727% | 2,614 |
| Earnings coverage of net charge-offs (x) | 2.9091% | 2,892 |
| Efficiency ratio | 88.2353% | 432 |
| Assets per employee ($millions) | 5.8886% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1940% | 5,220 |
| Loan loss allowance to noncurrent loans | 29.0043% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 2,012 |
| Noncurrent loans to loans | 0.6688% | 2,288 |
| Net loans and leases to total assets | 83.6366% | 395 |
| Net loans and leases to deposits | 97.9710% | 848 |
| Net loans and leases to core deposits | 117.6420% | 620 |
| Total domestic deposits to total assets | 85.3688% | 2,321 |
| Equity capital to assets | 12.8433% | 1,667 |
| Core capital (leverage) ratio | 12.9305% | 1,331 |
| Tier 1 risk-based capital ratio | 22.6443% | 978 |
| Total risk-based capital ratio | 22.9308% | 1,072 |
| Memoranda: | ||
| Average total assets | $40,499,670 | 4,999 |
| Average earning assets | $37,898,330 | 4,982 |
| Average equity | $5,247,330 | 4,954 |
| Average total loans | $34,578,330 | 4,640 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 823 |
| Cost of funding earning assets | 1.4035% | 456 |
| Net interest margin | 3.8489% | 2,350 |
| Noninterest income to average assets | 0.9168% | 1,004 |
| Noninterest expense to average assets | 4.0359% | 516 |
| Loan and lease loss provision to assets | 0.0399% | 2,829 |
| Net operating income to assets | 0.4783% | 4,576 |
| Return on assets (ROA) | 0.4783% | 4,601 |
| Pretax return on assets | 0.4484% | 4,776 |
| Return on Equity (ROE) | 3.6753% | 4,640 |
| Retained earnings to average equity (ytd only) | 3.6753% | 3,452 |
| Net charge-offs to loans | 0.1734% | 789 |
| Credit loss provision to net charge-offs | 26.6667% | 2,105 |
| Earnings coverage of net charge-offs (x) | 3.2667% | 2,419 |
| Efficiency ratio | 89.2070% | 426 |
| Assets per employee ($millions) | 5.7871% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2323% | 5,273 |
| Loan loss allowance to noncurrent loans | 23.3918% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.1133% | 1,239 |
| Noncurrent loans to loans | 0.9930% | 1,688 |
| Net loans and leases to total assets | 84.8210% | 295 |
| Net loans and leases to deposits | 100.8482% | 566 |
| Net loans and leases to core deposits | 117.3091% | 602 |
| Total domestic deposits to total assets | 84.1076% | 3,013 |
| Equity capital to assets | 12.9548% | 1,481 |
| Core capital (leverage) ratio | 13.0746% | 1,234 |
| Tier 1 risk-based capital ratio | 22.7373% | 965 |
| Total risk-based capital ratio | 23.0839% | 1,047 |
| Memoranda: | ||
| Average total assets | $40,139,500 | 5,059 |
| Average earning assets | $37,621,500 | 5,035 |
| Average equity | $5,224,000 | 5,000 |
| Average total loans | $34,596,500 | 4,686 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9685% | 1,115 |
| Cost of funding earning assets | 1.0420% | 632 |
| Net interest margin | 3.9265% | 2,243 |
| Noninterest income to average assets | -0.1169% | 5,376 |
| Noninterest expense to average assets | 3.0686% | 1,874 |
| Loan and lease loss provision to assets | 0.0174% | 3,809 |
| Net operating income to assets | 0.3680% | 4,909 |
| Return on assets (ROA) | 0.3680% | 4,905 |
| Pretax return on assets | 0.4799% | 4,828 |
| Return on Equity (ROE) | 2.8679% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.8679% | 3,966 |
| Net charge-offs to loans | 0.0204% | 3,021 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 28.5714% | 1,645 |
| Efficiency ratio | 86.0530% | 523 |
| Assets per employee ($millions) | 5.6813% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2619% | 5,304 |
| Loan loss allowance to noncurrent loans | 19.5699% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1693% | 1,123 |
| Noncurrent loans to loans | 1.3381% | 1,173 |
| Net loans and leases to total assets | 87.1558% | 160 |
| Net loans and leases to deposits | 104.7825% | 439 |
| Net loans and leases to core deposits | 120.1213% | 540 |
| Total domestic deposits to total assets | 83.1779% | 3,268 |
| Equity capital to assets | 13.0755% | 1,310 |
| Core capital (leverage) ratio | 13.0059% | 1,248 |
| Tier 1 risk-based capital ratio | 22.5999% | 955 |
| Total risk-based capital ratio | 22.9953% | 1,045 |
| Memoranda: | ||
| Average total assets | $40,213,400 | 5,097 |
| Average earning assets | $37,717,600 | 5,080 |
| Average equity | $5,160,600 | 5,029 |
| Average total loans | $34,376,400 | 4,707 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 1,158 |
| Cost of funding earning assets | 0.9801% | 642 |
| Net interest margin | 3.9205% | 2,226 |
| Noninterest income to average assets | 0.1786% | 4,892 |
| Noninterest expense to average assets | 3.2403% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6679% | 4,327 |
| Return on assets (ROA) | 0.6679% | 4,340 |
| Pretax return on assets | 0.6150% | 4,704 |
| Return on Equity (ROE) | 5.2289% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.2289% | 3,099 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0480% | 636 |
| Assets per employee ($millions) | 5.8526% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2641% | 5,373 |
| Loan loss allowance to noncurrent loans | 29.7386% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 1,985 |
| Noncurrent loans to loans | 0.8882% | 1,922 |
| Net loans and leases to total assets | 83.8728% | 469 |
| Net loans and leases to deposits | 98.7924% | 882 |
| Net loans and leases to core deposits | 112.9739% | 868 |
| Total domestic deposits to total assets | 84.8980% | 2,640 |
| Equity capital to assets | 12.8246% | 1,409 |
| Core capital (leverage) ratio | 13.1534% | 1,226 |
| Tier 1 risk-based capital ratio | 22.7831% | 961 |
| Total risk-based capital ratio | 23.1777% | 1,039 |
| Memoranda: | ||
| Average total assets | $40,324,500 | 5,157 |
| Average earning assets | $37,817,250 | 5,140 |
| Average equity | $5,150,750 | 5,088 |
| Average total loans | $34,282,500 | 4,758 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8839% | 1,057 |
| Cost of funding earning assets | 0.9376% | 617 |
| Net interest margin | 3.9464% | 2,044 |
| Noninterest income to average assets | 0.0947% | 5,282 |
| Noninterest expense to average assets | 3.0566% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6931% | 4,214 |
| Return on assets (ROA) | 0.6931% | 4,218 |
| Pretax return on assets | 0.7529% | 4,378 |
| Return on Equity (ROE) | 5.4336% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.4336% | 2,855 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2356% | 988 |
| Assets per employee ($millions) | 6.6417% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2654% | 5,434 |
| Loan loss allowance to noncurrent loans | 31.1644% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 2,039 |
| Noncurrent loans to loans | 0.8516% | 2,016 |
| Net loans and leases to total assets | 85.8118% | 281 |
| Net loans and leases to deposits | 100.9744% | 739 |
| Net loans and leases to core deposits | 116.6502% | 683 |
| Total domestic deposits to total assets | 84.9837% | 2,680 |
| Equity capital to assets | 13.0263% | 1,281 |
| Core capital (leverage) ratio | 12.9493% | 1,242 |
| Tier 1 risk-based capital ratio | 23.0906% | 926 |
| Total risk-based capital ratio | 23.4954% | 993 |
| Memoranda: | ||
| Average total assets | $40,110,000 | 5,220 |
| Average earning assets | $37,756,330 | 5,201 |
| Average equity | $5,116,330 | 5,149 |
| Average total loans | $34,226,000 | 4,806 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8455% | 990 |
| Cost of funding earning assets | 0.9079% | 573 |
| Net interest margin | 3.9376% | 1,906 |
| Noninterest income to average assets | -0.1988% | 5,597 |
| Noninterest expense to average assets | 2.9225% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5368% | 4,613 |
| Return on assets (ROA) | 0.5368% | 4,616 |
| Pretax return on assets | 0.5865% | 4,717 |
| Return on Equity (ROE) | 4.2528% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.2528% | 3,488 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2861% | 844 |
| Assets per employee ($millions) | 6.6793% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2645% | 5,498 |
| Loan loss allowance to noncurrent loans | 34.2105% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,336 |
| Noncurrent loans to loans | 0.7731% | 2,274 |
| Net loans and leases to total assets | 85.6223% | 290 |
| Net loans and leases to deposits | 100.6482% | 664 |
| Net loans and leases to core deposits | 114.3876% | 788 |
| Total domestic deposits to total assets | 85.0709% | 2,909 |
| Equity capital to assets | 12.7408% | 1,365 |
| Core capital (leverage) ratio | 12.6527% | 1,317 |
| Tier 1 risk-based capital ratio | 22.6772% | 971 |
| Total risk-based capital ratio | 23.0814% | 1,055 |
| Memoranda: | ||
| Average total assets | $40,240,000 | 5,273 |
| Average earning assets | $37,891,000 | 5,258 |
| Average equity | $5,079,000 | 5,206 |
| Average total loans | $34,195,500 | 4,857 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 1,174 |
| Cost of funding earning assets | 0.8147% | 572 |
| Net interest margin | 3.8944% | 2,105 |
| Noninterest income to average assets | 0.3316% | 4,101 |
| Noninterest expense to average assets | 3.3721% | 1,248 |
| Loan and lease loss provision to assets | 0.0884% | 2,420 |
| Net operating income to assets | 0.4838% | 4,413 |
| Return on assets (ROA) | 0.4838% | 4,445 |
| Pretax return on assets | 0.5575% | 4,832 |
| Return on Equity (ROE) | 3.9914% | 4,505 |
| Retained earnings to average equity (ytd only) | 3.9914% | 2,801 |
| Net charge-offs to loans | 0.0940% | 2,141 |
| Credit loss provision to net charge-offs | 112.5000% | 2,313 |
| Earnings coverage of net charge-offs (x) | 8.2188% | 2,938 |
| Efficiency ratio | 83.9242% | 776 |
| Assets per employee ($millions) | 6.7340% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2678% | 5,563 |
| Loan loss allowance to noncurrent loans | 38.2353% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 2,167 |
| Noncurrent loans to loans | 0.7003% | 2,455 |
| Net loans and leases to total assets | 83.8902% | 461 |
| Net loans and leases to deposits | 98.1354% | 892 |
| Net loans and leases to core deposits | 110.0987% | 995 |
| Total domestic deposits to total assets | 85.4841% | 2,659 |
| Equity capital to assets | 12.5037% | 1,518 |
| Core capital (leverage) ratio | 12.5084% | 1,353 |
| Tier 1 risk-based capital ratio | 22.6060% | 950 |
| Total risk-based capital ratio | 23.0132% | 1,024 |
| Memoranda: | ||
| Average total assets | $40,716,200 | 5,318 |
| Average earning assets | $38,542,600 | 5,297 |
| Average equity | $4,935,600 | 5,281 |
| Average total loans | $34,033,000 | 4,899 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 1,175 |
| Cost of funding earning assets | 0.7933% | 601 |
| Net interest margin | 3.8907% | 2,073 |
| Noninterest income to average assets | 0.3007% | 4,376 |
| Noninterest expense to average assets | 3.3403% | 1,263 |
| Loan and lease loss provision to assets | 0.1177% | 1,840 |
| Net operating income to assets | 0.2974% | 5,220 |
| Return on assets (ROA) | 0.2974% | 5,242 |
| Pretax return on assets | 0.5295% | 4,974 |
| Return on Equity (ROE) | 2.4728% | 5,232 |
| Retained earnings to average equity (ytd only) | 2.4728% | 4,412 |
| Net charge-offs to loans | 0.1253% | 1,533 |
| Credit loss provision to net charge-offs | 112.5000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 6.1868% | 3,009 |
| Efficiency ratio | 83.7705% | 771 |
| Assets per employee ($millions) | 6.7498% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2714% | 5,631 |
| Loan loss allowance to noncurrent loans | 27.9141% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 2,043 |
| Noncurrent loans to loans | 0.9721% | 1,981 |
| Net loans and leases to total assets | 82.5773% | 594 |
| Net loans and leases to deposits | 96.6142% | 1,052 |
| Net loans and leases to core deposits | 106.7341% | 1,219 |
| Total domestic deposits to total assets | 85.4712% | 2,527 |
| Equity capital to assets | 12.2126% | 1,829 |
| Core capital (leverage) ratio | 12.2036% | 1,572 |
| Tier 1 risk-based capital ratio | 22.3508% | 1,011 |
| Total risk-based capital ratio | 22.7620% | 1,093 |
| Memoranda: | ||
| Average total assets | $40,794,250 | 5,377 |
| Average earning assets | $38,655,250 | 5,354 |
| Average equity | $4,906,500 | 5,347 |
| Average total loans | $34,044,750 | 4,950 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 1,081 |
| Cost of funding earning assets | 0.7728% | 605 |
| Net interest margin | 3.9155% | 1,876 |
| Noninterest income to average assets | 0.2935% | 4,448 |
| Noninterest expense to average assets | 3.1888% | 1,603 |
| Loan and lease loss provision to assets | 0.1369% | 1,512 |
| Net operating income to assets | 0.3668% | 5,051 |
| Return on assets (ROA) | 0.3668% | 5,076 |
| Pretax return on assets | 0.6847% | 4,593 |
| Return on Equity (ROE) | 3.0654% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.0654% | 3,887 |
| Net charge-offs to loans | 0.1871% | 1,064 |
| Credit loss provision to net charge-offs | 87.5000% | 2,172 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,843 |
| Efficiency ratio | 79.5122% | 1,271 |
| Assets per employee ($millions) | 6.8238% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2476% | 5,691 |
| Loan loss allowance to noncurrent loans | 30.7407% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 1,962 |
| Noncurrent loans to loans | 0.8053% | 2,385 |
| Net loans and leases to total assets | 81.6843% | 710 |
| Net loans and leases to deposits | 95.0330% | 1,173 |
| Net loans and leases to core deposits | 107.3575% | 1,138 |
| Total domestic deposits to total assets | 85.9536% | 2,390 |
| Equity capital to assets | 12.0411% | 1,901 |
| Core capital (leverage) ratio | 12.0467% | 1,605 |
| Tier 1 risk-based capital ratio | 22.3208% | 1,011 |
| Total risk-based capital ratio | 22.6966% | 1,102 |
| Memoranda: | ||
| Average total assets | $40,892,670 | 5,423 |
| Average earning assets | $38,819,670 | 5,396 |
| Average equity | $4,893,330 | 5,387 |
| Average total loans | $34,215,000 | 4,978 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 919 |
| Cost of funding earning assets | 0.7493% | 653 |
| Net interest margin | 3.9619% | 1,573 |
| Noninterest income to average assets | 0.2349% | 4,861 |
| Noninterest expense to average assets | 3.1908% | 1,638 |
| Loan and lease loss provision to assets | 0.1468% | 1,272 |
| Net operating income to assets | 0.3915% | 4,963 |
| Return on assets (ROA) | 0.3915% | 4,991 |
| Pretax return on assets | 0.6754% | 4,518 |
| Return on Equity (ROE) | 3.2821% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.2821% | 3,792 |
| Net charge-offs to loans | 0.1042% | 1,330 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,996 |
| Efficiency ratio | 79.5122% | 1,429 |
| Assets per employee ($millions) | 6.7513% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2718% | 5,751 |
| Loan loss allowance to noncurrent loans | 27.5148% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 1,962 |
| Noncurrent loans to loans | 0.9880% | 2,074 |
| Net loans and leases to total assets | 84.2278% | 342 |
| Net loans and leases to deposits | 98.0375% | 770 |
| Net loans and leases to core deposits | 110.3532% | 863 |
| Total domestic deposits to total assets | 85.9139% | 2,705 |
| Equity capital to assets | 12.0840% | 1,776 |
| Core capital (leverage) ratio | 11.9732% | 1,648 |
| Tier 1 risk-based capital ratio | 22.1794% | 1,067 |
| Total risk-based capital ratio | 22.6008% | 1,147 |
| Memoranda: | ||
| Average total assets | $40,867,500 | 5,487 |
| Average earning assets | $38,971,000 | 5,448 |
| Average equity | $4,875,000 | 5,443 |
| Average total loans | $34,559,000 | 5,014 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 937 |
| Cost of funding earning assets | 0.7860% | 540 |
| Net interest margin | 3.9818% | 1,686 |
| Noninterest income to average assets | 0.0890% | 5,673 |
| Noninterest expense to average assets | 3.1528% | 1,889 |
| Loan and lease loss provision to assets | 0.1709% | 1,425 |
| Net operating income to assets | 0.3297% | 5,146 |
| Return on assets (ROA) | 0.3297% | 5,220 |
| Pretax return on assets | 0.4837% | 5,057 |
| Return on Equity (ROE) | 2.8551% | 5,197 |
| Retained earnings to average equity (ytd only) | 2.8551% | 3,866 |
| Net charge-offs to loans | 0.1632% | 1,651 |
| Credit loss provision to net charge-offs | 124.5614% | 2,146 |
| Earnings coverage of net charge-offs (x) | 4.7719% | 3,449 |
| Efficiency ratio | 82.8066% | 1,113 |
| Assets per employee ($millions) | 6.8712% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2492% | 5,819 |
| Loan loss allowance to noncurrent loans | 20.6161% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 1,651 |
| Noncurrent loans to loans | 1.2090% | 1,705 |
| Net loans and leases to total assets | 84.4568% | 344 |
| Net loans and leases to deposits | 97.9327% | 830 |
| Net loans and leases to core deposits | 112.0952% | 782 |
| Total domestic deposits to total assets | 86.2396% | 2,477 |
| Equity capital to assets | 11.7763% | 1,950 |
| Core capital (leverage) ratio | 11.7688% | 1,742 |
| Tier 1 risk-based capital ratio | 21.6838% | 1,119 |
| Total risk-based capital ratio | 22.0724% | 1,214 |
| Memoranda: | ||
| Average total assets | $41,551,000 | 5,515 |
| Average earning assets | $38,802,000 | 5,492 |
| Average equity | $4,798,400 | 5,503 |
| Average total loans | $34,934,400 | 5,040 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7935% | 914 |
| Cost of funding earning assets | 0.7915% | 528 |
| Net interest margin | 4.0021% | 1,644 |
| Noninterest income to average assets | 0.0705% | 5,787 |
| Noninterest expense to average assets | 3.0585% | 2,132 |
| Loan and lease loss provision to assets | 0.1633% | 1,404 |
| Net operating income to assets | 0.3843% | 5,071 |
| Return on assets (ROA) | 0.3843% | 5,160 |
| Pretax return on assets | 0.5733% | 4,951 |
| Return on Equity (ROE) | 3.3443% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.3443% | 3,891 |
| Net charge-offs to loans | 0.2213% | 1,060 |
| Credit loss provision to net charge-offs | 87.9310% | 2,562 |
| Earnings coverage of net charge-offs (x) | 3.9656% | 3,332 |
| Efficiency ratio | 80.5907% | 1,362 |
| Assets per employee ($millions) | 6.9017% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1892% | 5,895 |
| Loan loss allowance to noncurrent loans | 17.4142% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 2,200 |
| Noncurrent loans to loans | 1.0865% | 2,083 |
| Net loans and leases to total assets | 84.0811% | 405 |
| Net loans and leases to deposits | 97.6032% | 892 |
| Net loans and leases to core deposits | 111.7036% | 826 |
| Total domestic deposits to total assets | 86.1459% | 2,282 |
| Equity capital to assets | 11.6832% | 2,372 |
| Core capital (leverage) ratio | 11.6276% | 1,935 |
| Tier 1 risk-based capital ratio | 21.6272% | 1,178 |
| Total risk-based capital ratio | 21.9222% | 1,300 |
| Memoranda: | ||
| Average total assets | $41,632,000 | 5,568 |
| Average earning assets | $38,745,750 | 5,546 |
| Average equity | $4,784,250 | 5,559 |
| Average total loans | $34,941,500 | 5,093 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 800 |
| Cost of funding earning assets | 0.7893% | 519 |
| Net interest margin | 4.0605% | 1,476 |
| Noninterest income to average assets | 0.0623% | 5,881 |
| Noninterest expense to average assets | 2.8006% | 3,028 |
| Loan and lease loss provision to assets | 0.1391% | 1,630 |
| Net operating income to assets | 0.4412% | 4,896 |
| Return on assets (ROA) | 0.4412% | 4,984 |
| Pretax return on assets | 0.8728% | 4,047 |
| Return on Equity (ROE) | 3.8604% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.8604% | 3,436 |
| Net charge-offs to loans | 0.1659% | 1,341 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 7.2759% | 2,640 |
| Efficiency ratio | 73.4591% | 2,439 |
| Assets per employee ($millions) | 6.9337% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2079% | 5,971 |
| Loan loss allowance to noncurrent loans | 18.4810% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 1,845 |
| Noncurrent loans to loans | 1.1250% | 2,047 |
| Net loans and leases to total assets | 84.2195% | 403 |
| Net loans and leases to deposits | 97.5716% | 921 |
| Net loans and leases to core deposits | 110.6455% | 895 |
| Total domestic deposits to total assets | 86.3156% | 2,258 |
| Equity capital to assets | 11.5619% | 2,481 |
| Core capital (leverage) ratio | 11.5547% | 1,951 |
| Tier 1 risk-based capital ratio | 20.2313% | 1,406 |
| Total risk-based capital ratio | 20.5384% | 1,589 |
| Memoranda: | ||
| Average total assets | $41,706,000 | 5,629 |
| Average earning assets | $38,517,000 | 5,615 |
| Average equity | $4,766,330 | 5,620 |
| Average total loans | $34,960,670 | 5,138 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8590% | 754 |
| Cost of funding earning assets | 0.7874% | 524 |
| Net interest margin | 4.0716% | 1,423 |
| Noninterest income to average assets | 0.0096% | 6,052 |
| Noninterest expense to average assets | 2.9312% | 2,605 |
| Loan and lease loss provision to assets | -0.0192% | 5,906 |
| Net operating income to assets | 0.5077% | 4,599 |
| Return on assets (ROA) | 0.5077% | 4,703 |
| Pretax return on assets | 0.8621% | 3,993 |
| Return on Equity (ROE) | 4.4683% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.4683% | 3,251 |
| Net charge-offs to loans | -0.0229% | 4,926 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6650% | 1,943 |
| Assets per employee ($millions) | 6.9962% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2094% | 6,035 |
| Loan loss allowance to noncurrent loans | 68.2243% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6670% | 3,058 |
| Noncurrent loans to loans | 0.3069% | 4,328 |
| Net loans and leases to total assets | 82.8740% | 466 |
| Net loans and leases to deposits | 95.5951% | 980 |
| Net loans and leases to core deposits | 108.1817% | 964 |
| Total domestic deposits to total assets | 86.6927% | 2,361 |
| Equity capital to assets | 11.3657% | 2,563 |
| Core capital (leverage) ratio | 11.4218% | 2,031 |
| Tier 1 risk-based capital ratio | 20.2255% | 1,454 |
| Total risk-based capital ratio | 20.5350% | 1,629 |
| Memoranda: | ||
| Average total assets | $41,758,000 | 5,679 |
| Average earning assets | $38,608,500 | 5,669 |
| Average equity | $4,744,500 | 5,667 |
| Average total loans | $34,886,000 | 5,181 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 726 |
| Cost of funding earning assets | 0.7898% | 517 |
| Net interest margin | 4.1335% | 1,326 |
| Noninterest income to average assets | -0.0920% | 6,143 |
| Noninterest expense to average assets | 2.8897% | 2,892 |
| Loan and lease loss provision to assets | 0.0944% | 2,432 |
| Net operating income to assets | 0.5107% | 4,655 |
| Return on assets (ROA) | 0.5107% | 4,739 |
| Pretax return on assets | 0.7745% | 4,278 |
| Return on Equity (ROE) | 4.5860% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.5860% | 2,716 |
| Net charge-offs to loans | 0.1101% | 2,277 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 9.2051% | 2,848 |
| Efficiency ratio | 76.8835% | 2,133 |
| Assets per employee ($millions) | 6.9232% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2091% | 6,085 |
| Loan loss allowance to noncurrent loans | 25.0859% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 1.1917% | 1,820 |
| Noncurrent loans to loans | 0.8335% | 2,705 |
| Net loans and leases to total assets | 83.8682% | 405 |
| Net loans and leases to deposits | 96.4748% | 964 |
| Net loans and leases to core deposits | 108.5026% | 942 |
| Total domestic deposits to total assets | 86.9328% | 2,175 |
| Equity capital to assets | 11.3580% | 2,489 |
| Core capital (leverage) ratio | 11.4573% | 1,993 |
| Tier 1 risk-based capital ratio | 20.0068% | 1,482 |
| Total risk-based capital ratio | 20.3163% | 1,647 |
| Memoranda: | ||
| Average total assets | $41,319,200 | 5,737 |
| Average earning assets | $38,490,000 | 5,716 |
| Average equity | $4,601,000 | 5,743 |
| Average total loans | $35,411,600 | 5,178 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 712 |
| Cost of funding earning assets | 0.7927% | 520 |
| Net interest margin | 4.1400% | 1,301 |
| Noninterest income to average assets | -0.1616% | 6,243 |
| Noninterest expense to average assets | 2.8660% | 2,954 |
| Loan and lease loss provision to assets | 0.0905% | 2,360 |
| Net operating income to assets | 0.4717% | 4,888 |
| Return on assets (ROA) | 0.4717% | 4,990 |
| Pretax return on assets | 0.7464% | 4,512 |
| Return on Equity (ROE) | 4.2579% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.2579% | 3,434 |
| Net charge-offs to loans | 0.1426% | 1,697 |
| Credit loss provision to net charge-offs | 73.6842% | 2,705 |
| Earnings coverage of net charge-offs (x) | 6.8151% | 2,997 |
| Efficiency ratio | 77.3997% | 2,033 |
| Assets per employee ($millions) | 6.8175% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1778% | 6,179 |
| Loan loss allowance to noncurrent loans | 13.2075% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 1.2908% | 1,814 |
| Noncurrent loans to loans | 1.3465% | 1,903 |
| Net loans and leases to total assets | 86.4491% | 206 |
| Net loans and leases to deposits | 99.7264% | 675 |
| Net loans and leases to core deposits | 110.5270% | 849 |
| Total domestic deposits to total assets | 86.6862% | 2,191 |
| Equity capital to assets | 11.3751% | 2,612 |
| Core capital (leverage) ratio | 11.3308% | 2,167 |
| Tier 1 risk-based capital ratio | 19.8177% | 1,597 |
| Total risk-based capital ratio | 20.0860% | 1,785 |
| Memoranda: | ||
| Average total assets | $41,264,250 | 5,813 |
| Average earning assets | $38,517,250 | 5,794 |
| Average equity | $4,571,750 | 5,825 |
| Average total loans | $35,536,750 | 5,232 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 653 |
| Cost of funding earning assets | 0.7860% | 537 |
| Net interest margin | 4.1626% | 1,195 |
| Noninterest income to average assets | -0.0580% | 6,292 |
| Noninterest expense to average assets | 3.2525% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3963% | 5,146 |
| Return on assets (ROA) | 0.3963% | 5,253 |
| Pretax return on assets | 0.5799% | 5,023 |
| Return on Equity (ROE) | 3.6086% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.6086% | 3,731 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8676% | 1,168 |
| Assets per employee ($millions) | 6.8802% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2080% | 6,246 |
| Loan loss allowance to noncurrent loans | 24.7458% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9714% | 2,587 |
| Noncurrent loans to loans | 0.8404% | 3,024 |
| Net loans and leases to total assets | 84.8550% | 304 |
| Net loans and leases to deposits | 97.5141% | 833 |
| Net loans and leases to core deposits | 107.0798% | 1,022 |
| Total domestic deposits to total assets | 87.0182% | 2,162 |
| Equity capital to assets | 11.1165% | 2,756 |
| Core capital (leverage) ratio | 11.0443% | 2,381 |
| Tier 1 risk-based capital ratio | 20.0867% | 1,525 |
| Total risk-based capital ratio | 20.4062% | 1,727 |
| Memoranda: | ||
| Average total assets | $41,384,000 | 5,872 |
| Average earning assets | $38,677,330 | 5,845 |
| Average equity | $4,544,670 | 5,888 |
| Average total loans | $35,574,000 | 5,276 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9463% | 625 |
| Cost of funding earning assets | 0.7799% | 566 |
| Net interest margin | 4.1663% | 1,137 |
| Noninterest income to average assets | 0.1545% | 5,817 |
| Noninterest expense to average assets | 3.6394% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2993% | 5,421 |
| Return on assets (ROA) | 0.2993% | 5,522 |
| Pretax return on assets | 0.4344% | 5,352 |
| Return on Equity (ROE) | 2.7418% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.7418% | 4,309 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3365% | 905 |
| Assets per employee ($millions) | 6.9870% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2051% | 6,320 |
| Loan loss allowance to noncurrent loans | 30.8017% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 3,266 |
| Noncurrent loans to loans | 0.6657% | 3,616 |
| Net loans and leases to total assets | 84.7431% | 266 |
| Net loans and leases to deposits | 96.9596% | 767 |
| Net loans and leases to core deposits | 107.1868% | 861 |
| Total domestic deposits to total assets | 87.4004% | 2,165 |
| Equity capital to assets | 10.8249% | 3,171 |
| Core capital (leverage) ratio | 10.9698% | 2,443 |
| Tier 1 risk-based capital ratio | 19.0201% | 1,862 |
| Total risk-based capital ratio | 19.3260% | 2,067 |
| Memoranda: | ||
| Average total assets | $41,435,500 | 5,932 |
| Average earning assets | $38,979,000 | 5,897 |
| Average equity | $4,522,500 | 5,945 |
| Average total loans | $35,810,000 | 5,305 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9710% | 821 |
| Cost of funding earning assets | 0.8672% | 468 |
| Net interest margin | 4.1039% | 1,570 |
| Noninterest income to average assets | 0.0240% | 6,351 |
| Noninterest expense to average assets | 3.0016% | 2,837 |
| Loan and lease loss provision to assets | 0.0360% | 3,868 |
| Net operating income to assets | 0.5139% | 4,760 |
| Return on assets (ROA) | 0.5139% | 4,843 |
| Pretax return on assets | 0.8957% | 3,923 |
| Return on Equity (ROE) | 4.8522% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.8522% | 2,718 |
| Net charge-offs to loans | 0.0301% | 4,224 |
| Credit loss provision to net charge-offs | 136.3636% | 1,734 |
| Earnings coverage of net charge-offs (x) | 35.2727% | 1,194 |
| Efficiency ratio | 76.2515% | 2,472 |
| Assets per employee ($millions) | 5.8499% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2027% | 6,417 |
| Loan loss allowance to noncurrent loans | 15.8351% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3065% | 2,154 |
| Noncurrent loans to loans | 1.2798% | 2,316 |
| Net loans and leases to total assets | 87.7872% | 123 |
| Net loans and leases to deposits | 100.7737% | 583 |
| Net loans and leases to core deposits | 106.0288% | 1,021 |
| Total domestic deposits to total assets | 87.1132% | 2,219 |
| Equity capital to assets | 11.0064% | 2,892 |
| Core capital (leverage) ratio | 11.0064% | 2,405 |
| Tier 1 risk-based capital ratio | 20.0784% | 1,588 |
| Total risk-based capital ratio | 20.4036% | 1,772 |
| Memoranda: | ||
| Average total assets | $41,644,400 | 5,996 |
| Average earning assets | $39,670,000 | 5,925 |
| Average equity | $4,410,400 | 6,005 |
| Average total loans | $36,575,000 | 5,308 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9643% | 822 |
| Cost of funding earning assets | 0.8877% | 441 |
| Net interest margin | 4.0766% | 1,647 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 2.8982% | 3,127 |
| Loan and lease loss provision to assets | 0.0478% | 3,420 |
| Net operating income to assets | 0.6154% | 4,373 |
| Return on assets (ROA) | 0.6154% | 4,466 |
| Pretax return on assets | 0.9342% | 3,843 |
| Return on Equity (ROE) | 5.8667% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.8667% | 2,490 |
| Net charge-offs to loans | 0.0400% | 3,704 |
| Credit loss provision to net charge-offs | 136.3636% | 1,711 |
| Earnings coverage of net charge-offs (x) | 27.9932% | 1,435 |
| Efficiency ratio | 74.6097% | 2,716 |
| Assets per employee ($millions) | 5.9549% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1996% | 6,495 |
| Loan loss allowance to noncurrent loans | 17.8049% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 2,534 |
| Noncurrent loans to loans | 1.1211% | 2,815 |
| Net loans and leases to total assets | 87.5588% | 132 |
| Net loans and leases to deposits | 100.2527% | 597 |
| Net loans and leases to core deposits | 105.3577% | 996 |
| Total domestic deposits to total assets | 87.3381% | 2,133 |
| Equity capital to assets | 10.7619% | 3,223 |
| Core capital (leverage) ratio | 10.7619% | 2,740 |
| Tier 1 risk-based capital ratio | 19.6754% | 1,739 |
| Total risk-based capital ratio | 19.9956% | 1,938 |
| Memoranda: | ||
| Average total assets | $41,818,250 | 6,059 |
| Average earning assets | $39,803,250 | 5,992 |
| Average equity | $4,386,250 | 6,074 |
| Average total loans | $36,713,500 | 5,356 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 767 |
| Cost of funding earning assets | 0.8984% | 435 |
| Net interest margin | 4.0906% | 1,543 |
| Noninterest income to average assets | 0.0669% | 6,386 |
| Noninterest expense to average assets | 2.9859% | 2,884 |
| Loan and lease loss provision to assets | 0.0717% | 2,840 |
| Net operating income to assets | 0.5542% | 4,576 |
| Return on assets (ROA) | 0.5542% | 4,680 |
| Pretax return on assets | 0.9029% | 3,879 |
| Return on Equity (ROE) | 5.3297% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.3297% | 2,742 |
| Net charge-offs to loans | 0.0598% | 3,119 |
| Credit loss provision to net charge-offs | 136.3636% | 1,556 |
| Earnings coverage of net charge-offs (x) | 18.5455% | 1,677 |
| Efficiency ratio | 75.2714% | 2,764 |
| Assets per employee ($millions) | 6.0306% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1984% | 6,568 |
| Loan loss allowance to noncurrent loans | 35.7843% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 4,043 |
| Noncurrent loans to loans | 0.5544% | 4,353 |
| Net loans and leases to total assets | 86.9901% | 130 |
| Net loans and leases to deposits | 99.0559% | 601 |
| Net loans and leases to core deposits | 103.2619% | 1,065 |
| Total domestic deposits to total assets | 87.8192% | 2,023 |
| Equity capital to assets | 10.4444% | 3,507 |
| Core capital (leverage) ratio | 10.4444% | 3,022 |
| Tier 1 risk-based capital ratio | 19.2743% | 1,860 |
| Total risk-based capital ratio | 19.5934% | 2,080 |
| Memoranda: | ||
| Average total assets | $41,863,000 | 6,113 |
| Average earning assets | $39,847,000 | 6,048 |
| Average equity | $4,353,000 | 6,123 |
| Average total loans | $36,761,000 | 5,383 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 713 |
| Cost of funding earning assets | 0.9058% | 438 |
| Net interest margin | 4.0962% | 1,457 |
| Noninterest income to average assets | 0.0864% | 6,374 |
| Noninterest expense to average assets | 2.8786% | 3,290 |
| Loan and lease loss provision to assets | 0.0768% | 2,610 |
| Net operating income to assets | 0.6141% | 4,132 |
| Return on assets (ROA) | 0.6141% | 4,206 |
| Pretax return on assets | 1.0363% | 3,186 |
| Return on Equity (ROE) | 5.9191% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.9191% | 2,582 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8750% | 3,513 |
| Assets per employee ($millions) | 6.0206% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2098% | 6,638 |
| Loan loss allowance to noncurrent loans | 38.6935% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 3,829 |
| Noncurrent loans to loans | 0.5423% | 4,543 |
| Net loans and leases to total assets | 86.8902% | 112 |
| Net loans and leases to deposits | 98.6477% | 510 |
| Net loans and leases to core deposits | 104.3425% | 836 |
| Total domestic deposits to total assets | 88.0813% | 2,189 |
| Equity capital to assets | 10.3384% | 3,413 |
| Core capital (leverage) ratio | 10.3384% | 3,131 |
| Tier 1 risk-based capital ratio | 18.9963% | 1,974 |
| Total risk-based capital ratio | 19.3321% | 2,236 |
| Memoranda: | ||
| Average total assets | $41,687,500 | 6,174 |
| Average earning assets | $39,744,500 | 6,105 |
| Average equity | $4,325,000 | 6,176 |
| Average total loans | $36,744,000 | 5,440 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 571 |
| Cost of funding earning assets | 1.0360% | 383 |
| Net interest margin | 4.2215% | 1,296 |
| Noninterest income to average assets | 0.2655% | 5,446 |
| Noninterest expense to average assets | 3.1985% | 2,427 |
| Loan and lease loss provision to assets | 0.0860% | 3,391 |
| Net operating income to assets | 0.6171% | 4,180 |
| Return on assets (ROA) | 0.6171% | 4,292 |
| Pretax return on assets | 0.9982% | 3,357 |
| Return on Equity (ROE) | 6.0123% | 4,077 |
| Retained earnings to average equity (ytd only) | 6.0123% | 1,961 |
| Net charge-offs to loans | 0.1377% | 3,426 |
| Credit loss provision to net charge-offs | 70.0000% | 3,309 |
| Earnings coverage of net charge-offs (x) | 8.8200% | 2,600 |
| Efficiency ratio | 74.5695% | 3,035 |
| Assets per employee ($millions) | 5.8901% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1875% | 6,714 |
| Loan loss allowance to noncurrent loans | 16.3121% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 2,977 |
| Noncurrent loans to loans | 1.1497% | 3,243 |
| Net loans and leases to total assets | 89.0665% | 60 |
| Net loans and leases to deposits | 100.8874% | 441 |
| Net loans and leases to core deposits | 105.9338% | 798 |
| Total domestic deposits to total assets | 88.2831% | 2,015 |
| Equity capital to assets | 10.4121% | 3,275 |
| Core capital (leverage) ratio | 10.4121% | 3,007 |
| Tier 1 risk-based capital ratio | 18.8133% | 1,976 |
| Total risk-based capital ratio | 19.1156% | 2,253 |
| Memoranda: | ||
| Average total assets | $40,674,800 | 6,270 |
| Average earning assets | $38,706,400 | 6,202 |
| Average equity | $4,174,800 | 6,290 |
| Average total loans | $36,310,400 | 5,487 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 548 |
| Cost of funding earning assets | 1.0649% | 367 |
| Net interest margin | 4.2145% | 1,290 |
| Noninterest income to average assets | 0.1710% | 6,163 |
| Noninterest expense to average assets | 3.0425% | 2,849 |
| Loan and lease loss provision to assets | 0.0724% | 3,616 |
| Net operating income to assets | 0.6546% | 4,096 |
| Return on assets (ROA) | 0.6546% | 4,230 |
| Pretax return on assets | 1.0657% | 3,241 |
| Return on Equity (ROE) | 6.4008% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.4008% | 2,188 |
| Net charge-offs to loans | 0.0958% | 3,604 |
| Credit loss provision to net charge-offs | 84.6154% | 2,736 |
| Earnings coverage of net charge-offs (x) | 13.3060% | 2,039 |
| Efficiency ratio | 72.6200% | 3,297 |
| Assets per employee ($millions) | 5.8790% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2189% | 6,786 |
| Loan loss allowance to noncurrent loans | 21.6216% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3802% | 2,891 |
| Noncurrent loans to loans | 1.0125% | 3,783 |
| Net loans and leases to total assets | 88.6059% | 70 |
| Net loans and leases to deposits | 100.8296% | 439 |
| Net loans and leases to core deposits | 105.8923% | 763 |
| Total domestic deposits to total assets | 87.8769% | 2,207 |
| Equity capital to assets | 10.3054% | 3,501 |
| Core capital (leverage) ratio | 10.3054% | 3,236 |
| Tier 1 risk-based capital ratio | 18.5375% | 2,128 |
| Total risk-based capital ratio | 18.8871% | 2,431 |
| Memoranda: | ||
| Average total assets | $40,535,750 | 6,343 |
| Average earning assets | $38,564,000 | 6,286 |
| Average equity | $4,145,250 | 6,365 |
| Average total loans | $36,190,000 | 5,540 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 490 |
| Cost of funding earning assets | 1.1058% | 326 |
| Net interest margin | 4.2302% | 1,197 |
| Noninterest income to average assets | 0.1240% | 6,434 |
| Noninterest expense to average assets | 3.0250% | 2,920 |
| Loan and lease loss provision to assets | 0.0545% | 3,908 |
| Net operating income to assets | 0.6397% | 4,113 |
| Return on assets (ROA) | 0.6397% | 4,256 |
| Pretax return on assets | 1.0662% | 3,234 |
| Return on Equity (ROE) | 6.2723% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.2723% | 2,278 |
| Net charge-offs to loans | 0.0610% | 3,831 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 20.5455% | 1,458 |
| Efficiency ratio | 72.8469% | 3,329 |
| Assets per employee ($millions) | 5.7900% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2319% | 6,825 |
| Loan loss allowance to noncurrent loans | 39.8104% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 3,917 |
| Noncurrent loans to loans | 0.5825% | 4,804 |
| Net loans and leases to total assets | 89.1611% | 59 |
| Net loans and leases to deposits | 101.1363% | 373 |
| Net loans and leases to core deposits | 107.2474% | 674 |
| Total domestic deposits to total assets | 88.1594% | 2,134 |
| Equity capital to assets | 10.2911% | 3,555 |
| Core capital (leverage) ratio | 10.2911% | 3,110 |
| Tier 1 risk-based capital ratio | 18.6739% | 2,091 |
| Total risk-based capital ratio | 19.0500% | 2,359 |
| Memoranda: | ||
| Average total assets | $40,330,000 | 6,392 |
| Average earning assets | $38,343,670 | 6,334 |
| Average equity | $4,113,330 | 6,425 |
| Average total loans | $36,072,000 | 5,570 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4430% | 401 |
| Cost of funding earning assets | 1.1409% | 301 |
| Net interest margin | 4.3020% | 966 |
| Noninterest income to average assets | 0.2187% | 5,910 |
| Noninterest expense to average assets | 3.0425% | 2,857 |
| Loan and lease loss provision to assets | -0.0099% | 6,737 |
| Net operating income to assets | 0.8451% | 2,924 |
| Return on assets (ROA) | 0.8451% | 3,066 |
| Pretax return on assets | 1.2727% | 2,326 |
| Return on Equity (ROE) | 8.3242% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.3242% | 1,631 |
| Net charge-offs to loans | -0.0111% | 5,483 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4388% | 3,900 |
| Assets per employee ($millions) | 5.7569% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2342% | 6,905 |
| Loan loss allowance to noncurrent loans | 36.8421% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0125% | 3,902 |
| Noncurrent loans to loans | 0.6358% | 4,859 |
| Net loans and leases to total assets | 88.7786% | 57 |
| Net loans and leases to deposits | 100.4521% | 331 |
| Net loans and leases to core deposits | 107.3291% | 587 |
| Total domestic deposits to total assets | 88.3791% | 2,080 |
| Equity capital to assets | 10.2412% | 3,868 |
| Core capital (leverage) ratio | 10.2412% | 3,089 |
| Tier 1 risk-based capital ratio | 18.5225% | 2,182 |
| Total risk-based capital ratio | 18.8995% | 2,467 |
| Memoranda: | ||
| Average total assets | $40,230,000 | 6,451 |
| Average earning assets | $38,214,500 | 6,398 |
| Average equity | $4,084,500 | 6,495 |
| Average total loans | $35,997,500 | 5,618 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6122% | 492 |
| Cost of funding earning assets | 1.3575% | 298 |
| Net interest margin | 4.2546% | 1,511 |
| Noninterest income to average assets | 0.2358% | 5,762 |
| Noninterest expense to average assets | 3.2148% | 2,561 |
| Loan and lease loss provision to assets | 0.0685% | 4,894 |
| Net operating income to assets | 0.6871% | 3,799 |
| Return on assets (ROA) | 0.6871% | 4,057 |
| Pretax return on assets | 0.9812% | 3,613 |
| Return on Equity (ROE) | 6.8660% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.8660% | 1,629 |
| Net charge-offs to loans | 0.0906% | 4,766 |
| Credit loss provision to net charge-offs | 84.3750% | 3,684 |
| Earnings coverage of net charge-offs (x) | 12.9375% | 1,884 |
| Efficiency ratio | 75.2081% | 2,876 |
| Assets per employee ($millions) | 6.6937% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2325% | 6,963 |
| Loan loss allowance to noncurrent loans | 13.5048% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 2.1961% | 2,236 |
| Noncurrent loans to loans | 1.7213% | 3,029 |
| Net loans and leases to total assets | 89.7640% | 52 |
| Net loans and leases to deposits | 100.9945% | 375 |
| Net loans and leases to core deposits | 107.8596% | 617 |
| Total domestic deposits to total assets | 88.8800% | 1,651 |
| Equity capital to assets | 10.0642% | 4,086 |
| Core capital (leverage) ratio | 10.0642% | 3,320 |
| Tier 1 risk-based capital ratio | 17.9071% | 2,288 |
| Total risk-based capital ratio | 18.2793% | 2,604 |
| Memoranda: | ||
| Average total assets | $39,442,400 | 6,517 |
| Average earning assets | $37,347,400 | 6,461 |
| Average equity | $3,947,000 | 6,578 |
| Average total loans | $35,329,000 | 5,707 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6929% | 465 |
| Cost of funding earning assets | 1.3927% | 299 |
| Net interest margin | 4.3002% | 1,456 |
| Noninterest income to average assets | 0.3328% | 5,143 |
| Noninterest expense to average assets | 3.1004% | 2,888 |
| Loan and lease loss provision to assets | 0.0917% | 4,450 |
| Net operating income to assets | 0.8320% | 3,298 |
| Return on assets (ROA) | 0.8320% | 3,538 |
| Pretax return on assets | 1.2089% | 2,961 |
| Return on Equity (ROE) | 8.3263% | 3,119 |
| Retained earnings to average equity (ytd only) | 8.3263% | 1,481 |
| Net charge-offs to loans | 0.1215% | 4,161 |
| Credit loss provision to net charge-offs | 84.3750% | 3,486 |
| Earnings coverage of net charge-offs (x) | 11.9674% | 2,036 |
| Efficiency ratio | 70.2932% | 3,638 |
| Assets per employee ($millions) | 6.7033% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2330% | 7,070 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.2531% | 3,794 |
| Noncurrent loans to loans | 0.4077% | 5,637 |
| Net loans and leases to total assets | 89.4381% | 60 |
| Net loans and leases to deposits | 102.5048% | 330 |
| Net loans and leases to core deposits | 109.5705% | 586 |
| Total domestic deposits to total assets | 87.2526% | 2,528 |
| Equity capital to assets | 9.9975% | 4,495 |
| Core capital (leverage) ratio | 9.9975% | 3,549 |
| Tier 1 risk-based capital ratio | 17.9341% | 2,378 |
| Total risk-based capital ratio | 18.3087% | 2,659 |
| Memoranda: | ||
| Average total assets | $39,262,500 | 6,608 |
| Average earning assets | $37,144,500 | 6,545 |
| Average equity | $3,923,250 | 6,661 |
| Average total loans | $35,127,500 | 5,791 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7541% | 434 |
| Cost of funding earning assets | 1.4182% | 326 |
| Net interest margin | 4.3360% | 1,379 |
| Noninterest income to average assets | 0.4622% | 4,190 |
| Noninterest expense to average assets | 3.0506% | 3,082 |
| Loan and lease loss provision to assets | 0.0873% | 4,491 |
| Net operating income to assets | 1.0528% | 2,236 |
| Return on assets (ROA) | 1.0528% | 2,466 |
| Pretax return on assets | 1.4226% | 2,122 |
| Return on Equity (ROE) | 10.5380% | 2,155 |
| Retained earnings to average equity (ytd only) | 10.5380% | 841 |
| Net charge-offs to loans | 0.1264% | 3,920 |
| Credit loss provision to net charge-offs | 77.2727% | 3,392 |
| Earnings coverage of net charge-offs (x) | 13.3636% | 1,799 |
| Efficiency ratio | 66.6667% | 4,388 |
| Assets per employee ($millions) | 6.5793% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2367% | 7,139 |
| Loan loss allowance to noncurrent loans | 40.7767% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 3,950 |
| Noncurrent loans to loans | 0.5804% | 5,351 |
| Net loans and leases to total assets | 89.7001% | 47 |
| Net loans and leases to deposits | 101.1685% | 374 |
| Net loans and leases to core deposits | 108.1254% | 658 |
| Total domestic deposits to total assets | 88.6640% | 1,729 |
| Equity capital to assets | 10.0846% | 4,213 |
| Core capital (leverage) ratio | 10.0846% | 3,295 |
| Tier 1 risk-based capital ratio | 17.9672% | 2,300 |
| Total risk-based capital ratio | 18.3463% | 2,589 |
| Memoranda: | ||
| Average total assets | $38,943,330 | 6,665 |
| Average earning assets | $36,808,330 | 6,596 |
| Average equity | $3,890,670 | 6,715 |
| Average total loans | $34,818,000 | 5,837 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7588% | 463 |
| Cost of funding earning assets | 1.4671% | 333 |
| Net interest margin | 4.2917% | 1,494 |
| Noninterest income to average assets | 1.0756% | 1,246 |
| Noninterest expense to average assets | 3.3612% | 2,112 |
| Loan and lease loss provision to assets | 0.0517% | 4,765 |
| Net operating income to assets | 1.4375% | 1,148 |
| Return on assets (ROA) | 1.4375% | 1,286 |
| Pretax return on assets | 1.7168% | 1,265 |
| Return on Equity (ROE) | 14.4585% | 1,089 |
| Retained earnings to average equity (ytd only) | 14.4585% | 515 |
| Net charge-offs to loans | -0.0580% | 6,586 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3226% | 4,682 |
| Assets per employee ($millions) | 6.4757% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2863% | 7,185 |
| Loan loss allowance to noncurrent loans | 39.1304% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 1.3461% | 3,867 |
| Noncurrent loans to loans | 0.7317% | 5,198 |
| Net loans and leases to total assets | 88.7373% | 59 |
| Net loans and leases to deposits | 100.0000% | 371 |
| Net loans and leases to core deposits | 107.2210% | 632 |
| Total domestic deposits to total assets | 88.7373% | 1,861 |
| Equity capital to assets | 10.0762% | 4,031 |
| Core capital (leverage) ratio | 10.0762% | 3,276 |
| Tier 1 risk-based capital ratio | 16.9966% | 2,684 |
| Total risk-based capital ratio | 17.4264% | 3,047 |
| Memoranda: | ||
| Average total assets | $38,677,000 | 6,721 |
| Average earning assets | $36,535,500 | 6,661 |
| Average equity | $3,845,500 | 6,766 |
| Average total loans | $34,480,000 | 5,898 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8936% | 531 |
| Cost of funding earning assets | 1.7861% | 227 |
| Net interest margin | 4.1075% | 2,398 |
| Noninterest income to average assets | -0.2090% | 7,160 |
| Noninterest expense to average assets | 2.8221% | 4,265 |
| Loan and lease loss provision to assets | 0.1152% | 5,157 |
| Net operating income to assets | 0.3993% | 4,869 |
| Return on assets (ROA) | 0.3993% | 5,043 |
| Pretax return on assets | 0.7611% | 4,114 |
| Return on Equity (ROE) | 3.9949% | 4,851 |
| Retained earnings to average equity (ytd only) | 3.9949% | 3,348 |
| Net charge-offs to loans | 0.1235% | 5,153 |
| Credit loss provision to net charge-offs | 102.3810% | 3,381 |
| Earnings coverage of net charge-offs (x) | 7.7857% | 2,265 |
| Efficiency ratio | 76.0145% | 2,887 |
| Assets per employee ($millions) | 7.7000% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2443% | 7,241 |
| Loan loss allowance to noncurrent loans | 14.3836% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 2.4156% | 2,518 |
| Noncurrent loans to loans | 1.6985% | 3,615 |
| Net loans and leases to total assets | 89.0883% | 57 |
| Net loans and leases to deposits | 99.7267% | 470 |
| Net loans and leases to core deposits | 106.9271% | 761 |
| Total domestic deposits to total assets | 89.3325% | 1,340 |
| Equity capital to assets | 9.8078% | 4,433 |
| Core capital (leverage) ratio | 9.8078% | 3,590 |
| Tier 1 risk-based capital ratio | 16.5578% | 2,799 |
| Total risk-based capital ratio | 16.9261% | 3,184 |
| Memoranda: | ||
| Average total assets | $37,313,000 | 6,758 |
| Average earning assets | $35,496,200 | 6,693 |
| Average equity | $3,729,800 | 6,820 |
| Average total loans | $34,017,000 | 5,952 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9588% | 498 |
| Cost of funding earning assets | 1.8463% | 213 |
| Net interest margin | 4.1125% | 2,424 |
| Noninterest income to average assets | -0.2089% | 7,273 |
| Noninterest expense to average assets | 2.5105% | 5,429 |
| Loan and lease loss provision to assets | 0.1369% | 4,725 |
| Net operating income to assets | 0.6520% | 3,862 |
| Return on assets (ROA) | 0.6520% | 4,031 |
| Pretax return on assets | 1.0590% | 3,172 |
| Return on Equity (ROE) | 6.4904% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.4904% | 2,246 |
| Net charge-offs to loans | 0.1336% | 4,719 |
| Credit loss provision to net charge-offs | 111.7647% | 2,932 |
| Earnings coverage of net charge-offs (x) | 9.7653% | 2,007 |
| Efficiency ratio | 67.4441% | 4,434 |
| Assets per employee ($millions) | 7.6180% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2470% | 7,316 |
| Loan loss allowance to noncurrent loans | 10.8247% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 2.3523% | 2,727 |
| Noncurrent loans to loans | 2.2820% | 3,021 |
| Net loans and leases to total assets | 89.0549% | 52 |
| Net loans and leases to deposits | 100.3758% | 456 |
| Net loans and leases to core deposits | 107.7233% | 778 |
| Total domestic deposits to total assets | 88.7214% | 1,604 |
| Equity capital to assets | 9.9974% | 4,345 |
| Core capital (leverage) ratio | 9.9974% | 3,449 |
| Tier 1 risk-based capital ratio | 16.8190% | 2,710 |
| Total risk-based capital ratio | 17.1901% | 3,103 |
| Memoranda: | ||
| Average total assets | $37,016,250 | 6,826 |
| Average earning assets | $35,241,000 | 6,763 |
| Average equity | $3,718,250 | 6,877 |
| Average total loans | $33,925,500 | 6,023 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1411% | 360 |
| Cost of funding earning assets | 1.9116% | 194 |
| Net interest margin | 4.2295% | 1,923 |
| Noninterest income to average assets | -0.0982% | 7,288 |
| Noninterest expense to average assets | 2.5369% | 5,407 |
| Loan and lease loss provision to assets | 0.1964% | 3,966 |
| Net operating income to assets | 0.6383% | 3,870 |
| Return on assets (ROA) | 0.6383% | 3,995 |
| Pretax return on assets | 1.2003% | 2,478 |
| Return on Equity (ROE) | 6.3443% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.3443% | 2,216 |
| Net charge-offs to loans | 0.1593% | 4,222 |
| Credit loss provision to net charge-offs | 133.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 9.4815% | 1,918 |
| Efficiency ratio | 64.2164% | 5,200 |
| Assets per employee ($millions) | 7.3986% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2617% | 7,369 |
| Loan loss allowance to noncurrent loans | 21.8673% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 4,079 |
| Noncurrent loans to loans | 1.1967% | 4,654 |
| Net loans and leases to total assets | 91.6930% | 26 |
| Net loans and leases to deposits | 103.4272% | 336 |
| Net loans and leases to core deposits | 111.2058% | 683 |
| Total domestic deposits to total assets | 88.6546% | 1,745 |
| Equity capital to assets | 10.1208% | 3,989 |
| Core capital (leverage) ratio | 10.1208% | 3,113 |
| Tier 1 risk-based capital ratio | 16.7539% | 2,628 |
| Total risk-based capital ratio | 17.1522% | 3,005 |
| Memoranda: | ||
| Average total assets | $36,658,330 | 6,895 |
| Average earning assets | $34,945,000 | 6,837 |
| Average equity | $3,688,330 | 6,934 |
| Average total loans | $33,899,000 | 6,081 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2925% | 286 |
| Cost of funding earning assets | 1.9564% | 194 |
| Net interest margin | 4.3361% | 1,452 |
| Noninterest income to average assets | -0.1754% | 7,421 |
| Noninterest expense to average assets | 2.5869% | 5,275 |
| Loan and lease loss provision to assets | 0.0767% | 5,037 |
| Net operating income to assets | 0.7344% | 3,351 |
| Return on assets (ROA) | 0.7344% | 3,417 |
| Pretax return on assets | 1.3154% | 1,990 |
| Return on Equity (ROE) | 7.3214% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.3214% | 2,014 |
| Net charge-offs to loans | 0.0591% | 4,343 |
| Credit loss provision to net charge-offs | 140.0000% | 2,002 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 965 |
| Efficiency ratio | 64.7383% | 5,230 |
| Assets per employee ($millions) | 7.3242% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2428% | 7,432 |
| Loan loss allowance to noncurrent loans | 19.3396% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 1.9715% | 3,351 |
| Noncurrent loans to loans | 1.2556% | 4,589 |
| Net loans and leases to total assets | 91.9855% | 21 |
| Net loans and leases to deposits | 105.4038% | 267 |
| Net loans and leases to core deposits | 111.6318% | 668 |
| Total domestic deposits to total assets | 87.2696% | 2,789 |
| Equity capital to assets | 10.0871% | 3,664 |
| Core capital (leverage) ratio | 10.0871% | 3,054 |
| Tier 1 risk-based capital ratio | 16.5762% | 2,630 |
| Total risk-based capital ratio | 16.9441% | 3,018 |
| Memoranda: | ||
| Average total assets | $36,491,000 | 6,949 |
| Average earning assets | $34,962,000 | 6,883 |
| Average equity | $3,660,500 | 6,969 |
| Average total loans | $33,844,000 | 6,134 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2108% | 547 |
| Cost of funding earning assets | 2.3737% | 165 |
| Net interest margin | 3.8371% | 3,791 |
| Noninterest income to average assets | -0.0625% | 7,364 |
| Noninterest expense to average assets | 2.8316% | 4,473 |
| Loan and lease loss provision to assets | 0.1052% | 6,094 |
| Net operating income to assets | 0.3269% | 4,843 |
| Return on assets (ROA) | 0.3269% | 4,998 |
| Pretax return on assets | 0.6681% | 4,100 |
| Return on Equity (ROE) | 3.2091% | 4,863 |
| Retained earnings to average equity (ytd only) | 3.2091% | 3,620 |
| Net charge-offs to loans | 0.0774% | 6,040 |
| Credit loss provision to net charge-offs | 148.0000% | 2,464 |
| Earnings coverage of net charge-offs (x) | 10.8800% | 1,663 |
| Efficiency ratio | 78.3123% | 2,652 |
| Assets per employee ($millions) | 7.2722% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2358% | 7,512 |
| Loan loss allowance to noncurrent loans | 13.1148% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 2.5384% | 2,728 |
| Noncurrent loans to loans | 1.7983% | 3,820 |
| Net loans and leases to total assets | 93.0667% | 21 |
| Net loans and leases to deposits | 106.1347% | 316 |
| Net loans and leases to core deposits | 112.2314% | 802 |
| Total domestic deposits to total assets | 87.6874% | 2,429 |
| Equity capital to assets | 9.9750% | 3,776 |
| Core capital (leverage) ratio | 9.9750% | 3,121 |
| Tier 1 risk-based capital ratio | 16.3504% | 2,594 |
| Total risk-based capital ratio | 16.7110% | 2,979 |
| Memoranda: | ||
| Average total assets | $35,174,600 | 7,038 |
| Average earning assets | $33,618,800 | 6,960 |
| Average equity | $3,583,600 | 7,116 |
| Average total loans | $32,312,600 | 6,298 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2923% | 517 |
| Cost of funding earning assets | 2.4176% | 190 |
| Net interest margin | 3.8746% | 3,642 |
| Noninterest income to average assets | -0.0382% | 7,488 |
| Noninterest expense to average assets | 2.6530% | 5,100 |
| Loan and lease loss provision to assets | 0.1109% | 5,921 |
| Net operating income to assets | 0.4817% | 4,396 |
| Return on assets (ROA) | 0.4817% | 4,596 |
| Pretax return on assets | 0.8984% | 3,561 |
| Return on Equity (ROE) | 4.7023% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.7023% | 3,190 |
| Net charge-offs to loans | 0.0794% | 5,729 |
| Credit loss provision to net charge-offs | 152.6316% | 2,536 |
| Earnings coverage of net charge-offs (x) | 13.8962% | 1,553 |
| Efficiency ratio | 72.1294% | 3,671 |
| Assets per employee ($millions) | 7.2316% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2361% | 7,629 |
| Loan loss allowance to noncurrent loans | 14.8008% | 7,080 |
| Noncurrent assets plus other real estate owned to assets | 2.1600% | 3,256 |
| Noncurrent loans to loans | 1.5950% | 4,252 |
| Net loans and leases to total assets | 91.1610% | 38 |
| Net loans and leases to deposits | 102.8648% | 488 |
| Net loans and leases to core deposits | 108.6994% | 1,109 |
| Total domestic deposits to total assets | 88.6222% | 1,610 |
| Equity capital to assets | 10.0614% | 4,077 |
| Core capital (leverage) ratio | 10.0614% | 3,195 |
| Tier 1 risk-based capital ratio | 16.6705% | 2,474 |
| Total risk-based capital ratio | 17.0279% | 2,824 |
| Memoranda: | ||
| Average total assets | $34,878,000 | 7,135 |
| Average earning assets | $33,309,750 | 7,054 |
| Average equity | $3,572,750 | 7,212 |
| Average total loans | $31,910,750 | 6,399 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2404% | 578 |
| Cost of funding earning assets | 2.4488% | 210 |
| Net interest margin | 3.7916% | 3,932 |
| Noninterest income to average assets | -0.1393% | 7,653 |
| Noninterest expense to average assets | 2.4789% | 5,800 |
| Loan and lease loss provision to assets | 0.1451% | 5,443 |
| Net operating income to assets | 0.4354% | 4,601 |
| Return on assets (ROA) | 0.4354% | 4,757 |
| Pretax return on assets | 0.8592% | 3,663 |
| Return on Equity (ROE) | 4.2242% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.2242% | 3,384 |
| Net charge-offs to loans | 0.0507% | 5,677 |
| Credit loss provision to net charge-offs | 312.5000% | 1,165 |
| Earnings coverage of net charge-offs (x) | 21.6250% | 1,167 |
| Efficiency ratio | 70.8333% | 4,013 |
| Assets per employee ($millions) | 7.0454% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2667% | 7,678 |
| Loan loss allowance to noncurrent loans | 12.5184% | 7,208 |
| Noncurrent assets plus other real estate owned to assets | 2.5180% | 2,867 |
| Noncurrent loans to loans | 2.1308% | 3,551 |
| Net loans and leases to total assets | 90.2177% | 70 |
| Net loans and leases to deposits | 103.3394% | 522 |
| Net loans and leases to core deposits | 108.4528% | 1,271 |
| Total domestic deposits to total assets | 87.3024% | 2,378 |
| Equity capital to assets | 10.1825% | 3,796 |
| Core capital (leverage) ratio | 10.1825% | 2,956 |
| Tier 1 risk-based capital ratio | 17.0883% | 2,246 |
| Total risk-based capital ratio | 17.4932% | 2,530 |
| Memoranda: | ||
| Average total assets | $34,451,330 | 7,197 |
| Average earning assets | $32,914,670 | 7,118 |
| Average equity | $3,551,000 | 7,250 |
| Average total loans | $31,534,330 | 6,457 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3981% | 438 |
| Cost of funding earning assets | 2.5100% | 222 |
| Net interest margin | 3.8881% | 3,382 |
| Noninterest income to average assets | 0.0352% | 7,534 |
| Noninterest expense to average assets | 2.6656% | 5,082 |
| Loan and lease loss provision to assets | 0.1996% | 4,508 |
| Net operating income to assets | 0.4932% | 4,423 |
| Return on assets (ROA) | 0.4932% | 4,557 |
| Pretax return on assets | 0.8807% | 3,536 |
| Return on Equity (ROE) | 4.7552% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.7552% | 3,292 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8464% | 4,148 |
| Assets per employee ($millions) | 6.9040% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2699% | 7,773 |
| Loan loss allowance to noncurrent loans | 16.1290% | 7,173 |
| Noncurrent assets plus other real estate owned to assets | 1.9873% | 3,518 |
| Noncurrent loans to loans | 1.6731% | 4,237 |
| Net loans and leases to total assets | 90.9994% | 51 |
| Net loans and leases to deposits | 104.4315% | 503 |
| Net loans and leases to core deposits | 109.6746% | 1,301 |
| Total domestic deposits to total assets | 87.1379% | 2,556 |
| Equity capital to assets | 10.2955% | 3,478 |
| Core capital (leverage) ratio | 10.2955% | 2,816 |
| Tier 1 risk-based capital ratio | 17.1517% | 2,216 |
| Total risk-based capital ratio | 17.5619% | 2,486 |
| Memoranda: | ||
| Average total assets | $34,063,500 | 7,303 |
| Average earning assets | $32,509,500 | 7,221 |
| Average equity | $3,533,000 | 7,333 |
| Average total loans | $31,368,500 | 6,551 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6249% | 537 |
| Cost of funding earning assets | 3.1803% | 135 |
| Net interest margin | 3.4445% | 5,196 |
| Noninterest income to average assets | 0.0492% | 7,504 |
| Noninterest expense to average assets | 2.8340% | 4,819 |
| Loan and lease loss provision to assets | 0.0369% | 7,172 |
| Net operating income to assets | 0.2246% | 4,822 |
| Return on assets (ROA) | 0.2246% | 4,887 |
| Pretax return on assets | 0.4677% | 4,297 |
| Return on Equity (ROE) | 2.1024% | 4,864 |
| Retained earnings to average equity (ytd only) | 2.1024% | 3,636 |
| Net charge-offs to loans | 0.0542% | 6,558 |
| Credit loss provision to net charge-offs | 75.0000% | 6,395 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,701 |
| Efficiency ratio | 84.5161% | 2,288 |
| Assets per employee ($millions) | 6.7214% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2561% | 7,854 |
| Loan loss allowance to noncurrent loans | 17.7778% | 7,146 |
| Noncurrent assets plus other real estate owned to assets | 1.8508% | 3,594 |
| Noncurrent loans to loans | 1.4405% | 4,512 |
| Net loans and leases to total assets | 92.7158% | 23 |
| Net loans and leases to deposits | 106.2613% | 539 |
| Net loans and leases to core deposits | 187.9199% | 128 |
| Total domestic deposits to total assets | 87.2527% | 2,354 |
| Equity capital to assets | 10.4502% | 3,241 |
| Core capital (leverage) ratio | 10.4502% | 2,649 |
| Tier 1 risk-based capital ratio | 17.3013% | 2,079 |
| Total risk-based capital ratio | 17.6955% | 2,289 |
| Memoranda: | ||
| Average total assets | $32,498,600 | 7,382 |
| Average earning assets | $31,034,600 | 7,310 |
| Average equity | $3,472,200 | 7,450 |
| Average total loans | $29,510,000 | 6,656 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6718% | 536 |
| Cost of funding earning assets | 3.2992% | 138 |
| Net interest margin | 3.3726% | 5,375 |
| Noninterest income to average assets | 0.0414% | 7,683 |
| Noninterest expense to average assets | 2.6814% | 5,404 |
| Loan and lease loss provision to assets | 0.0290% | 7,058 |
| Net operating income to assets | 0.2690% | 4,909 |
| Return on assets (ROA) | 0.2690% | 5,009 |
| Pretax return on assets | 0.5586% | 4,337 |
| Return on Equity (ROE) | 2.5030% | 4,992 |
| Retained earnings to average equity (ytd only) | 2.5030% | 3,925 |
| Net charge-offs to loans | 0.0321% | 6,441 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 20.2926% | 1,245 |
| Efficiency ratio | 81.6456% | 2,630 |
| Assets per employee ($millions) | 6.5752% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2806% | 7,916 |
| Loan loss allowance to noncurrent loans | 18.5022% | 7,169 |
| Noncurrent assets plus other real estate owned to assets | 1.8676% | 3,558 |
| Noncurrent loans to loans | 1.5167% | 4,382 |
| Net loans and leases to total assets | 90.7927% | 86 |
| Net loans and leases to deposits | 102.9276% | 855 |
| Net loans and leases to core deposits | 182.2283% | 173 |
| Total domestic deposits to total assets | 88.2102% | 1,556 |
| Equity capital to assets | 10.6582% | 3,337 |
| Core capital (leverage) ratio | 10.6582% | 2,659 |
| Tier 1 risk-based capital ratio | 17.7706% | 2,058 |
| Total risk-based capital ratio | 18.1966% | 2,240 |
| Memoranda: | ||
| Average total assets | $32,221,500 | 7,457 |
| Average earning assets | $30,835,500 | 7,380 |
| Average equity | $3,462,250 | 7,519 |
| Average total loans | $29,077,750 | 6,740 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7358% | 509 |
| Cost of funding earning assets | 3.4038% | 150 |
| Net interest margin | 3.3320% | 5,428 |
| Noninterest income to average assets | -0.0562% | 8,012 |
| Noninterest expense to average assets | 2.5935% | 5,763 |
| Loan and lease loss provision to assets | 0.0437% | 6,796 |
| Net operating income to assets | 0.1812% | 5,330 |
| Return on assets (ROA) | 0.1812% | 5,417 |
| Pretax return on assets | 0.4937% | 4,641 |
| Return on Equity (ROE) | 1.6820% | 5,409 |
| Retained earnings to average equity (ytd only) | 1.6820% | 4,405 |
| Net charge-offs to loans | 0.0486% | 5,796 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 12.2857% | 1,832 |
| Efficiency ratio | 82.4351% | 2,674 |
| Assets per employee ($millions) | 6.4462% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2866% | 7,998 |
| Loan loss allowance to noncurrent loans | 20.2410% | 7,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7840% | 3,506 |
| Noncurrent loans to loans | 1.4160% | 4,379 |
| Net loans and leases to total assets | 90.6705% | 103 |
| Net loans and leases to deposits | 102.7350% | 1,019 |
| Net loans and leases to core deposits | 179.0138% | 229 |
| Total domestic deposits to total assets | 88.2566% | 1,645 |
| Equity capital to assets | 10.7598% | 3,152 |
| Core capital (leverage) ratio | 10.7598% | 2,599 |
| Tier 1 risk-based capital ratio | 17.8047% | 2,069 |
| Total risk-based capital ratio | 18.2360% | 2,255 |
| Memoranda: | ||
| Average total assets | $32,003,330 | 7,528 |
| Average earning assets | $30,612,670 | 7,451 |
| Average equity | $3,448,330 | 7,591 |
| Average total loans | $28,792,670 | 6,806 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7141% | 567 |
| Cost of funding earning assets | 3.5607% | 127 |
| Net interest margin | 3.1534% | 6,002 |
| Noninterest income to average assets | -0.2383% | 8,172 |
| Noninterest expense to average assets | 2.4083% | 6,162 |
| Loan and lease loss provision to assets | 0.0878% | 5,838 |
| Net operating income to assets | -0.0125% | 6,276 |
| Return on assets (ROA) | -0.0125% | 6,414 |
| Pretax return on assets | 0.2760% | 5,747 |
| Return on Equity (ROE) | -0.1163% | 6,420 |
| Retained earnings to average equity (ytd only) | -0.1163% | 5,671 |
| Net charge-offs to loans | 0.0981% | 4,195 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 4.1429% | 2,965 |
| Efficiency ratio | 86.4253% | 2,025 |
| Assets per employee ($millions) | 6.4886% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2933% | 8,034 |
| Loan loss allowance to noncurrent loans | 41.3793% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 4,055 |
| Noncurrent loans to loans | 0.7088% | 5,637 |
| Net loans and leases to total assets | 88.0128% | 263 |
| Net loans and leases to deposits | 99.3528% | 1,497 |
| Net loans and leases to core deposits | 167.7378% | 379 |
| Total domestic deposits to total assets | 88.5861% | 1,436 |
| Equity capital to assets | 10.5970% | 3,371 |
| Core capital (leverage) ratio | 10.5970% | 2,828 |
| Tier 1 risk-based capital ratio | 17.8960% | 2,086 |
| Total risk-based capital ratio | 18.3332% | 2,249 |
| Memoranda: | ||
| Average total assets | $31,889,500 | 7,574 |
| Average earning assets | $30,443,500 | 7,497 |
| Average equity | $3,438,500 | 7,644 |
| Average total loans | $28,535,000 | 6,844 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2224% | 703 |
| Cost of funding earning assets | 3.8535% | 166 |
| Net interest margin | 3.3689% | 5,787 |
| Noninterest income to average assets | -0.1969% | 8,224 |
| Noninterest expense to average assets | 2.4516% | 6,199 |
| Loan and lease loss provision to assets | 0.0098% | 7,246 |
| Net operating income to assets | 0.4496% | 4,953 |
| Return on assets (ROA) | 0.4496% | 4,777 |
| Pretax return on assets | 0.5809% | 4,754 |
| Return on Equity (ROE) | 4.0621% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.0621% | 2,599 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1510% | 2,575 |
| Assets per employee ($millions) | 6.2672% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2954% | 8,085 |
| Loan loss allowance to noncurrent loans | 118.3099% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 5,048 |
| Noncurrent loans to loans | 0.2497% | 6,639 |
| Net loans and leases to total assets | 90.4646% | 167 |
| Net loans and leases to deposits | 102.4096% | 1,542 |
| Net loans and leases to core deposits | 170.0642% | 396 |
| Total domestic deposits to total assets | 88.3361% | 1,320 |
| Equity capital to assets | 10.9746% | 3,062 |
| Core capital (leverage) ratio | 10.9746% | 2,608 |
| Tier 1 risk-based capital ratio | 18.1804% | 1,996 |
| Total risk-based capital ratio | 18.6244% | 2,158 |
| Memoranda: | ||
| Average total assets | $30,469,800 | 7,624 |
| Average earning assets | $29,297,800 | 7,552 |
| Average equity | $3,372,600 | 7,726 |
| Average total loans | $28,110,000 | 6,836 |