Home > Jackson Parish Bank > Performance and Condition Ratios
Jackson Parish Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5956% | 4,352 |
| Cost of funding earning assets | 0.4586% | 4,241 |
| Net interest margin | 3.1370% | 3,010 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.6391% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6696% | 3,267 |
| Return on assets (ROA) | 0.7992% | 2,856 |
| Pretax return on assets | 0.8510% | 3,091 |
| Return on Equity (ROE) | 5.5700% | 3,612 |
| Retained earnings to average equity (ytd only) | 5.5723% | 2,386 |
| Net charge-offs to loans | -0.0090% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.7284% | 1,009 |
| Assets per employee ($millions) | 4.5341% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 3,621 |
| Loan loss allowance to noncurrent loans | 34.7682% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 525 |
| Noncurrent loans to loans | 2.6665% | 172 |
| Net loans and leases to total assets | 33.0000% | 4,231 |
| Net loans and leases to deposits | 38.6427% | 4,227 |
| Net loans and leases to core deposits | 41.7662% | 4,260 |
| Total domestic deposits to total assets | 85.3900% | 2,189 |
| Equity capital to assets | 14.4374% | 613 |
| Core capital (leverage) ratio | 21.0523% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $63,810,800 | 4,174 |
| Average earning assets | $60,184,200 | 4,135 |
| Average equity | $9,152,400 | 3,807 |
| Average total loans | $22,165,800 | 4,265 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6208% | 4,289 |
| Cost of funding earning assets | 0.4489% | 4,203 |
| Net interest margin | 3.1719% | 2,983 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.7129% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6713% | 3,383 |
| Return on assets (ROA) | 0.7117% | 3,279 |
| Pretax return on assets | 0.7117% | 3,528 |
| Return on Equity (ROE) | 4.9700% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.9707% | 2,941 |
| Net charge-offs to loans | -0.0121% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.1632% | 846 |
| Assets per employee ($millions) | 3.8690% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 3,617 |
| Loan loss allowance to noncurrent loans | 35.0000% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 414 |
| Noncurrent loans to loans | 2.6699% | 177 |
| Net loans and leases to total assets | 38.3600% | 4,116 |
| Net loans and leases to deposits | 45.4811% | 4,067 |
| Net loans and leases to core deposits | 48.5943% | 4,075 |
| Total domestic deposits to total assets | 84.3500% | 2,675 |
| Equity capital to assets | 15.0978% | 529 |
| Core capital (leverage) ratio | 20.2095% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $62,760,750 | 4,200 |
| Average earning assets | $59,101,500 | 4,166 |
| Average equity | $8,985,750 | 3,826 |
| Average total loans | $22,044,500 | 4,288 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5723% | 4,281 |
| Cost of funding earning assets | 0.4116% | 4,146 |
| Net interest margin | 3.1608% | 3,079 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.6299% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7492% | 3,219 |
| Return on assets (ROA) | 0.7927% | 3,110 |
| Pretax return on assets | 0.7927% | 3,415 |
| Return on Equity (ROE) | 5.6300% | 3,776 |
| Retained earnings to average equity (ytd only) | 5.6289% | 2,748 |
| Net charge-offs to loans | 0.0274% | 1,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 80.3333% | 1,049 |
| Efficiency ratio | 77.8289% | 1,011 |
| Assets per employee ($millions) | 3.6371% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 3,761 |
| Loan loss allowance to noncurrent loans | 48.8095% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 626 |
| Noncurrent loans to loans | 1.8584% | 318 |
| Net loans and leases to total assets | 38.4800% | 4,094 |
| Net loans and leases to deposits | 47.1077% | 4,013 |
| Net loans and leases to core deposits | 50.1242% | 4,015 |
| Total domestic deposits to total assets | 81.6900% | 3,291 |
| Equity capital to assets | 15.8009% | 465 |
| Core capital (leverage) ratio | 19.9307% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $64,336,000 | 4,203 |
| Average earning assets | $60,745,000 | 4,169 |
| Average equity | $9,060,333 | 3,839 |
| Average total loans | $21,901,667 | 4,303 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4263% | 4,348 |
| Cost of funding earning assets | 0.3338% | 4,123 |
| Net interest margin | 3.0925% | 3,368 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.5279% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7714% | 3,294 |
| Return on assets (ROA) | 0.7774% | 3,222 |
| Pretax return on assets | 0.7774% | 3,516 |
| Return on Equity (ROE) | 5.8300% | 3,754 |
| Retained earnings to average equity (ytd only) | 5.8268% | 2,813 |
| Net charge-offs to loans | 0.0928% | 621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,358 |
| Efficiency ratio | 76.6187% | 1,118 |
| Assets per employee ($millions) | 4.2461% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 3,749 |
| Loan loss allowance to noncurrent loans | 58.0000% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 791 |
| Noncurrent loans to loans | 1.6213% | 396 |
| Net loans and leases to total assets | 33.5800% | 4,279 |
| Net loans and leases to deposits | 39.3715% | 4,242 |
| Net loans and leases to core deposits | 41.5606% | 4,227 |
| Total domestic deposits to total assets | 85.2800% | 2,785 |
| Equity capital to assets | 14.4809% | 533 |
| Core capital (leverage) ratio | 17.9653% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $67,407,500 | 4,228 |
| Average earning assets | $63,508,000 | 4,201 |
| Average equity | $8,993,000 | 3,896 |
| Average total loans | $21,552,500 | 4,368 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8282% | 4,299 |
| Cost of funding earning assets | 0.1615% | 4,050 |
| Net interest margin | 2.6667% | 4,097 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.3885% | 2,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5596% | 3,968 |
| Return on assets (ROA) | 0.4867% | 4,068 |
| Pretax return on assets | 0.4530% | 4,227 |
| Return on Equity (ROE) | 3.6600% | 4,211 |
| Retained earnings to average equity (ytd only) | 3.6596% | 3,513 |
| Net charge-offs to loans | 0.1185% | 641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 15.6250% | 1,997 |
| Efficiency ratio | 81.9538% | 598 |
| Assets per employee ($millions) | 4.4453% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 3,529 |
| Loan loss allowance to noncurrent loans | 51.4851% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 773 |
| Noncurrent loans to loans | 1.8776% | 308 |
| Net loans and leases to total assets | 29.9600% | 4,389 |
| Net loans and leases to deposits | 34.2077% | 4,394 |
| Net loans and leases to core deposits | 36.0083% | 4,374 |
| Total domestic deposits to total assets | 87.5800% | 2,206 |
| Equity capital to assets | 12.3207% | 846 |
| Core capital (leverage) ratio | 17.9650% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $71,299,600 | 4,222 |
| Average earning assets | $67,499,400 | 4,184 |
| Average equity | $9,482,000 | 3,936 |
| Average total loans | $20,255,200 | 4,413 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7268% | 4,270 |
| Cost of funding earning assets | 0.1458% | 3,887 |
| Net interest margin | 2.5810% | 4,127 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.4332% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4074% | 4,229 |
| Return on assets (ROA) | 0.2243% | 4,419 |
| Pretax return on assets | 0.2243% | 4,440 |
| Return on Equity (ROE) | 1.6600% | 4,433 |
| Retained earnings to average equity (ytd only) | 1.6560% | 4,097 |
| Net charge-offs to loans | 0.1003% | 612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 14.5333% | 1,861 |
| Efficiency ratio | 85.6579% | 473 |
| Assets per employee ($millions) | 3.9961% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,419 |
| Loan loss allowance to noncurrent loans | 92.7350% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 1,175 |
| Noncurrent loans to loans | 1.0898% | 689 |
| Net loans and leases to total assets | 33.2400% | 4,331 |
| Net loans and leases to deposits | 38.1221% | 4,300 |
| Net loans and leases to core deposits | 39.9898% | 4,276 |
| Total domestic deposits to total assets | 87.2000% | 2,698 |
| Equity capital to assets | 12.4355% | 789 |
| Core capital (leverage) ratio | 17.3291% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $71,343,500 | 4,253 |
| Average earning assets | $67,673,000 | 4,212 |
| Average equity | $9,661,750 | 3,952 |
| Average total loans | $19,939,750 | 4,448 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5506% | 4,330 |
| Cost of funding earning assets | 0.1338% | 3,789 |
| Net interest margin | 2.4168% | 4,208 |
| Noninterest income to average assets | 0.3685% | 2,939 |
| Noninterest expense to average assets | 2.3357% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3333% | 4,228 |
| Return on assets (ROA) | 0.1274% | 4,459 |
| Pretax return on assets | 0.1274% | 4,464 |
| Return on Equity (ROE) | 0.9187% | 4,470 |
| Retained earnings to average equity (ytd only) | 0.9187% | 4,012 |
| Net charge-offs to loans | 0.1853% | 349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 1,876 |
| Efficiency ratio | 87.5127% | 511 |
| Assets per employee ($millions) | 3.8575% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,199 |
| Loan loss allowance to noncurrent loans | 114.4385% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 1,489 |
| Noncurrent loans to loans | 0.9528% | 874 |
| Net loans and leases to total assets | 29.6014% | 4,475 |
| Net loans and leases to deposits | 34.5084% | 4,436 |
| Net loans and leases to core deposits | 36.1833% | 4,428 |
| Total domestic deposits to total assets | 85.7803% | 3,305 |
| Equity capital to assets | 13.9605% | 520 |
| Core capital (leverage) ratio | 16.6132% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,812,000 | 4,276 |
| Average earning assets | $70,259,333 | 4,246 |
| Average equity | $10,232,000 | 3,959 |
| Average total loans | $19,429,000 | 4,514 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2885% | 4,463 |
| Cost of funding earning assets | 0.1236% | 3,857 |
| Net interest margin | 2.1650% | 4,383 |
| Noninterest income to average assets | 0.3593% | 2,938 |
| Noninterest expense to average assets | 2.1917% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2361% | 4,269 |
| Return on assets (ROA) | 0.2720% | 4,163 |
| Pretax return on assets | 0.2720% | 4,226 |
| Return on Equity (ROE) | 1.9683% | 4,264 |
| Retained earnings to average equity (ytd only) | 1.9683% | 3,551 |
| Net charge-offs to loans | 0.1655% | 357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 1,591 |
| Efficiency ratio | 90.2748% | 535 |
| Assets per employee ($millions) | 4.3178% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 3,043 |
| Loan loss allowance to noncurrent loans | 101.8182% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 1,847 |
| Noncurrent loans to loans | 1.1420% | 781 |
| Net loans and leases to total assets | 27.5617% | 4,518 |
| Net loans and leases to deposits | 32.2729% | 4,488 |
| Net loans and leases to core deposits | 33.7630% | 4,485 |
| Total domestic deposits to total assets | 85.4020% | 3,434 |
| Equity capital to assets | 14.4329% | 458 |
| Core capital (leverage) ratio | 14.9811% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,929,000 | 4,243 |
| Average earning assets | $74,458,500 | 4,208 |
| Average equity | $10,770,500 | 3,973 |
| Average total loans | $19,330,500 | 4,533 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2003% | 4,624 |
| Cost of funding earning assets | 0.1307% | 4,150 |
| Net interest margin | 2.0696% | 4,560 |
| Noninterest income to average assets | 0.5388% | 2,405 |
| Noninterest expense to average assets | 2.1321% | 3,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3945% | 4,283 |
| Return on assets (ROA) | 0.5273% | 4,071 |
| Pretax return on assets | 0.5209% | 4,225 |
| Return on Equity (ROE) | 3.5236% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.5236% | 3,413 |
| Net charge-offs to loans | 0.0109% | 2,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 653 |
| Efficiency ratio | 84.5998% | 541 |
| Assets per employee ($millions) | 5.4233% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 2,901 |
| Loan loss allowance to noncurrent loans | 99.1453% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 2,200 |
| Noncurrent loans to loans | 1.2064% | 795 |
| Net loans and leases to total assets | 22.0852% | 4,694 |
| Net loans and leases to deposits | 25.5068% | 4,696 |
| Net loans and leases to core deposits | 26.6333% | 4,691 |
| Total domestic deposits to total assets | 86.5857% | 2,676 |
| Equity capital to assets | 13.3336% | 814 |
| Core capital (leverage) ratio | 15.9511% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,327,400 | 4,242 |
| Average earning assets | $74,990,000 | 4,197 |
| Average equity | $11,721,000 | 3,967 |
| Average total loans | $18,326,800 | 4,595 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2541% | 4,691 |
| Cost of funding earning assets | 0.1352% | 4,230 |
| Net interest margin | 2.1190% | 4,615 |
| Noninterest income to average assets | 0.5003% | 2,622 |
| Noninterest expense to average assets | 2.2060% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3236% | 4,484 |
| Return on assets (ROA) | 0.4268% | 4,364 |
| Pretax return on assets | 0.4268% | 4,458 |
| Return on Equity (ROE) | 2.7667% | 4,492 |
| Retained earnings to average equity (ytd only) | 2.7667% | 3,979 |
| Net charge-offs to loans | 0.2510% | 327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.4412% | 2,223 |
| Efficiency ratio | 87.2061% | 390 |
| Assets per employee ($millions) | 4.3717% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,461 |
| Loan loss allowance to noncurrent loans | 82.3045% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 2,046 |
| Noncurrent loans to loans | 1.3307% | 806 |
| Net loans and leases to total assets | 25.8210% | 4,708 |
| Net loans and leases to deposits | 31.2188% | 4,683 |
| Net loans and leases to core deposits | 32.6837% | 4,682 |
| Total domestic deposits to total assets | 82.7098% | 3,776 |
| Equity capital to assets | 16.8370% | 348 |
| Core capital (leverage) ratio | 15.6352% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,216,000 | 4,321 |
| Average earning assets | $72,989,500 | 4,274 |
| Average equity | $11,758,750 | 4,013 |
| Average total loans | $18,059,500 | 4,664 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1949% | 4,763 |
| Cost of funding earning assets | 0.1335% | 4,323 |
| Net interest margin | 2.0614% | 4,674 |
| Noninterest income to average assets | 0.5721% | 2,330 |
| Noninterest expense to average assets | 2.0995% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4444% | 4,311 |
| Return on assets (ROA) | 0.5772% | 4,084 |
| Pretax return on assets | 0.5772% | 4,277 |
| Return on Equity (ROE) | 3.8459% | 4,358 |
| Retained earnings to average equity (ytd only) | 3.8459% | 3,569 |
| Net charge-offs to loans | 0.4557% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.2439% | 2,038 |
| Efficiency ratio | 82.5301% | 633 |
| Assets per employee ($millions) | 4.8541% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,588 |
| Loan loss allowance to noncurrent loans | 81.4346% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 2,296 |
| Noncurrent loans to loans | 1.3013% | 906 |
| Net loans and leases to total assets | 24.7490% | 4,772 |
| Net loans and leases to deposits | 29.6547% | 4,758 |
| Net loans and leases to core deposits | 30.9766% | 4,758 |
| Total domestic deposits to total assets | 83.4572% | 3,588 |
| Equity capital to assets | 16.1926% | 394 |
| Core capital (leverage) ratio | 15.1174% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,305,667 | 4,318 |
| Average earning assets | $74,900,000 | 4,276 |
| Average equity | $11,752,667 | 4,016 |
| Average total loans | $17,992,333 | 4,703 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0353% | 4,831 |
| Cost of funding earning assets | 0.1340% | 4,427 |
| Net interest margin | 1.9014% | 4,769 |
| Noninterest income to average assets | 0.3010% | 3,607 |
| Noninterest expense to average assets | 2.0530% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0691% | 4,738 |
| Return on assets (ROA) | 0.4244% | 4,350 |
| Pretax return on assets | 0.4244% | 4,457 |
| Return on Equity (ROE) | 2.9317% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.9317% | 3,805 |
| Net charge-offs to loans | 1.2750% | 57 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 0.2456% | 1,887 |
| Efficiency ratio | 96.7442% | 236 |
| Assets per employee ($millions) | 5.2996% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 3,900 |
| Loan loss allowance to noncurrent loans | 59.1973% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 2,191 |
| Noncurrent loans to loans | 1.6638% | 725 |
| Net loans and leases to total assets | 23.9831% | 4,810 |
| Net loans and leases to deposits | 28.6123% | 4,811 |
| Net loans and leases to core deposits | 29.8572% | 4,814 |
| Total domestic deposits to total assets | 83.8208% | 3,495 |
| Equity capital to assets | 15.8463% | 402 |
| Core capital (leverage) ratio | 14.2351% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,053,000 | 4,293 |
| Average earning assets | $77,628,000 | 4,253 |
| Average equity | $11,734,000 | 4,027 |
| Average total loans | $17,882,000 | 4,732 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6053% | 4,822 |
| Cost of funding earning assets | 0.2110% | 4,545 |
| Net interest margin | 2.3943% | 4,660 |
| Noninterest income to average assets | 0.3658% | 3,280 |
| Noninterest expense to average assets | 2.1985% | 3,667 |
| Loan and lease loss provision to assets | 0.0671% | 3,541 |
| Net operating income to assets | 0.4026% | 4,238 |
| Return on assets (ROA) | 0.3513% | 4,415 |
| Pretax return on assets | 0.2881% | 4,560 |
| Return on Equity (ROE) | 2.4122% | 4,505 |
| Retained earnings to average equity (ytd only) | 2.4122% | 3,657 |
| Net charge-offs to loans | 0.1119% | 1,357 |
| Credit loss provision to net charge-offs | 255.0000% | 1,917 |
| Earnings coverage of net charge-offs (x) | 15.4500% | 2,172 |
| Efficiency ratio | 84.3939% | 602 |
| Assets per employee ($millions) | 5.8608% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,339 |
| Loan loss allowance to noncurrent loans | 49.7872% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 1,960 |
| Noncurrent loans to loans | 2.6415% | 371 |
| Net loans and leases to total assets | 19.9734% | 4,878 |
| Net loans and leases to deposits | 23.1033% | 4,889 |
| Net loans and leases to core deposits | 23.8369% | 4,887 |
| Total domestic deposits to total assets | 86.4524% | 2,170 |
| Equity capital to assets | 13.3213% | 989 |
| Core capital (leverage) ratio | 15.6253% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,006,000 | 4,294 |
| Average earning assets | $71,084,800 | 4,280 |
| Average equity | $11,068,800 | 4,068 |
| Average total loans | $17,877,200 | 4,757 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8191% | 4,824 |
| Cost of funding earning assets | 0.2356% | 4,551 |
| Net interest margin | 2.5835% | 4,586 |
| Noninterest income to average assets | 0.3341% | 3,480 |
| Noninterest expense to average assets | 2.3497% | 3,286 |
| Loan and lease loss provision to assets | 0.0383% | 3,872 |
| Net operating income to assets | 0.3487% | 4,360 |
| Return on assets (ROA) | 0.3524% | 4,410 |
| Pretax return on assets | 0.3524% | 4,486 |
| Return on Equity (ROE) | 2.3590% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.3590% | 3,797 |
| Net charge-offs to loans | -0.1117% | 4,842 |
| Credit loss provision to net charge-offs | -140.0000% | 3,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8572% | 508 |
| Assets per employee ($millions) | 4.6231% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,020 |
| Loan loss allowance to noncurrent loans | 63.7333% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 2,081 |
| Noncurrent loans to loans | 2.0944% | 573 |
| Net loans and leases to total assets | 25.4748% | 4,886 |
| Net loans and leases to deposits | 30.6356% | 4,890 |
| Net loans and leases to core deposits | 31.5746% | 4,893 |
| Total domestic deposits to total assets | 83.1543% | 3,105 |
| Equity capital to assets | 16.3309% | 430 |
| Core capital (leverage) ratio | 15.0819% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,029,500 | 4,351 |
| Average earning assets | $67,916,000 | 4,333 |
| Average equity | $10,908,250 | 4,096 |
| Average total loans | $17,898,250 | 4,787 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9219% | 4,874 |
| Cost of funding earning assets | 0.2542% | 4,611 |
| Net interest margin | 2.6677% | 4,589 |
| Noninterest income to average assets | 0.3313% | 3,486 |
| Noninterest expense to average assets | 2.3001% | 3,511 |
| Loan and lease loss provision to assets | 0.0566% | 3,592 |
| Net operating income to assets | 0.4336% | 4,159 |
| Return on assets (ROA) | 0.4390% | 4,210 |
| Pretax return on assets | 0.4390% | 4,353 |
| Return on Equity (ROE) | 3.0271% | 4,349 |
| Retained earnings to average equity (ytd only) | 3.0271% | 3,376 |
| Net charge-offs to loans | -0.1006% | 4,850 |
| Credit loss provision to net charge-offs | -233.3333% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4324% | 731 |
| Assets per employee ($millions) | 4.7040% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 1,907 |
| Loan loss allowance to noncurrent loans | 58.9873% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,130 |
| Noncurrent loans to loans | 2.2391% | 561 |
| Net loans and leases to total assets | 24.6712% | 4,922 |
| Net loans and leases to deposits | 29.4357% | 4,930 |
| Net loans and leases to core deposits | 30.3149% | 4,933 |
| Total domestic deposits to total assets | 83.8138% | 2,812 |
| Equity capital to assets | 15.8163% | 489 |
| Core capital (leverage) ratio | 15.0074% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,257,000 | 4,330 |
| Average earning assets | $68,449,000 | 4,338 |
| Average equity | $10,769,333 | 4,122 |
| Average total loans | $17,896,000 | 4,814 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1069% | 4,912 |
| Cost of funding earning assets | 0.2666% | 4,738 |
| Net interest margin | 2.8403% | 4,519 |
| Noninterest income to average assets | 0.3311% | 3,544 |
| Noninterest expense to average assets | 2.2548% | 3,875 |
| Loan and lease loss provision to assets | 0.1104% | 2,304 |
| Net operating income to assets | 0.5414% | 3,769 |
| Return on assets (ROA) | 0.5519% | 3,797 |
| Pretax return on assets | 0.5519% | 4,029 |
| Return on Equity (ROE) | 3.9720% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.9720% | 2,691 |
| Net charge-offs to loans | -0.0666% | 4,718 |
| Credit loss provision to net charge-offs | -700.0000% | 3,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5769% | 1,387 |
| Assets per employee ($millions) | 4.5597% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,277 |
| Loan loss allowance to noncurrent loans | 63.0556% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 2,413 |
| Noncurrent loans to loans | 2.0162% | 701 |
| Net loans and leases to total assets | 25.7734% | 4,964 |
| Net loans and leases to deposits | 30.6217% | 4,968 |
| Net loans and leases to core deposits | 31.5620% | 4,972 |
| Total domestic deposits to total assets | 84.1672% | 2,724 |
| Equity capital to assets | 15.6135% | 650 |
| Core capital (leverage) ratio | 14.6849% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,105,500 | 4,313 |
| Average earning assets | $69,008,000 | 4,330 |
| Average equity | $10,574,000 | 4,172 |
| Average total loans | $18,023,500 | 4,846 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 4,960 |
| Cost of funding earning assets | 0.2132% | 4,931 |
| Net interest margin | 3.1022% | 4,361 |
| Noninterest income to average assets | 0.3634% | 3,528 |
| Noninterest expense to average assets | 2.2415% | 4,084 |
| Loan and lease loss provision to assets | 0.0599% | 2,842 |
| Net operating income to assets | 0.9268% | 3,105 |
| Return on assets (ROA) | 0.9268% | 3,179 |
| Pretax return on assets | 0.8941% | 3,759 |
| Return on Equity (ROE) | 6.8137% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.8131% | 1,974 |
| Net charge-offs to loans | 0.3702% | 541 |
| Credit loss provision to net charge-offs | 63.7681% | 2,992 |
| Earnings coverage of net charge-offs (x) | 10.1594% | 2,596 |
| Efficiency ratio | 70.1448% | 2,147 |
| Assets per employee ($millions) | 5.5877% | 1,988 |
| Cash dividends to net income (ytd only)* | 14.6843% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 2,849 |
| Loan loss allowance to noncurrent loans | 59.3567% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 2,764 |
| Noncurrent loans to loans | 1.8799% | 698 |
| Net loans and leases to total assets | 21.4627% | 5,058 |
| Net loans and leases to deposits | 24.5580% | 5,074 |
| Net loans and leases to core deposits | 25.1468% | 5,070 |
| Total domestic deposits to total assets | 87.3961% | 1,407 |
| Equity capital to assets | 12.4906% | 1,822 |
| Core capital (leverage) ratio | 15.3743% | 613 |
| Tier 1 risk-based capital ratio | 42.0474% | 212 |
| Total risk-based capital ratio | 42.8746% | 219 |
| Memoranda: | ||
| Average total assets | $73,478,800 | 4,375 |
| Average earning assets | $67,082,000 | 4,389 |
| Average equity | $9,994,600 | 4,243 |
| Average total loans | $18,638,400 | 4,894 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 5,006 |
| Cost of funding earning assets | 0.2037% | 5,036 |
| Net interest margin | 3.2220% | 4,249 |
| Noninterest income to average assets | 0.3724% | 3,485 |
| Noninterest expense to average assets | 2.3433% | 3,833 |
| Loan and lease loss provision to assets | 0.0828% | 2,252 |
| Net operating income to assets | 0.9215% | 3,269 |
| Return on assets (ROA) | 0.9215% | 3,344 |
| Pretax return on assets | 0.9215% | 3,814 |
| Return on Equity (ROE) | 6.6152% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.6152% | 2,049 |
| Net charge-offs to loans | 0.3698% | 457 |
| Credit loss provision to net charge-offs | 84.6154% | 2,447 |
| Earnings coverage of net charge-offs (x) | 10.2694% | 2,508 |
| Efficiency ratio | 70.0000% | 2,115 |
| Assets per employee ($millions) | 4.3193% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 2,622 |
| Loan loss allowance to noncurrent loans | 61.8644% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 2,374 |
| Noncurrent loans to loans | 1.9054% | 739 |
| Net loans and leases to total assets | 28.3381% | 5,080 |
| Net loans and leases to deposits | 33.9403% | 5,091 |
| Net loans and leases to core deposits | 34.6618% | 5,096 |
| Total domestic deposits to total assets | 83.4941% | 2,999 |
| Equity capital to assets | 16.1015% | 614 |
| Core capital (leverage) ratio | 15.6424% | 618 |
| Tier 1 risk-based capital ratio | 43.4397% | 190 |
| Total risk-based capital ratio | 44.3699% | 190 |
| Memoranda: | ||
| Average total assets | $70,894,750 | 4,468 |
| Average earning assets | $65,465,750 | 4,470 |
| Average equity | $9,876,000 | 4,300 |
| Average total loans | $18,750,000 | 4,965 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4024% | 5,080 |
| Cost of funding earning assets | 0.1772% | 5,121 |
| Net interest margin | 3.2252% | 4,301 |
| Noninterest income to average assets | 0.3538% | 3,571 |
| Noninterest expense to average assets | 2.2624% | 4,099 |
| Loan and lease loss provision to assets | 0.1207% | 1,555 |
| Net operating income to assets | 0.9159% | 3,222 |
| Return on assets (ROA) | 0.9159% | 3,280 |
| Pretax return on assets | 0.9159% | 3,799 |
| Return on Equity (ROE) | 6.8932% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.8932% | 1,858 |
| Net charge-offs to loans | 0.6487% | 236 |
| Credit loss provision to net charge-offs | 72.1311% | 2,302 |
| Earnings coverage of net charge-offs (x) | 6.1967% | 2,594 |
| Efficiency ratio | 68.5786% | 2,434 |
| Assets per employee ($millions) | 4.2507% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 2,947 |
| Loan loss allowance to noncurrent loans | 54.9479% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 2,323 |
| Noncurrent loans to loans | 2.0417% | 687 |
| Net loans and leases to total assets | 27.3441% | 5,135 |
| Net loans and leases to deposits | 32.2613% | 5,146 |
| Net loans and leases to core deposits | 32.9040% | 5,159 |
| Total domestic deposits to total assets | 84.7583% | 2,578 |
| Equity capital to assets | 14.9740% | 818 |
| Core capital (leverage) ratio | 14.8705% | 735 |
| Tier 1 risk-based capital ratio | 42.0934% | 212 |
| Total risk-based capital ratio | 42.9754% | 209 |
| Memoranda: | ||
| Average total assets | $72,930,000 | 4,475 |
| Average earning assets | $66,599,670 | 4,488 |
| Average equity | $9,690,670 | 4,342 |
| Average total loans | $18,807,000 | 5,003 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4101% | 5,104 |
| Cost of funding earning assets | 0.1539% | 5,204 |
| Net interest margin | 3.2562% | 4,263 |
| Noninterest income to average assets | 0.3290% | 3,657 |
| Noninterest expense to average assets | 2.1860% | 4,290 |
| Loan and lease loss provision to assets | 0.1486% | 1,140 |
| Net operating income to assets | 0.9126% | 3,187 |
| Return on assets (ROA) | 0.9126% | 3,227 |
| Pretax return on assets | 0.9126% | 3,723 |
| Return on Equity (ROE) | 7.2850% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.2850% | 1,937 |
| Net charge-offs to loans | -0.0851% | 4,986 |
| Credit loss provision to net charge-offs | -700.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3203% | 2,735 |
| Assets per employee ($millions) | 4.5537% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 1,715 |
| Loan loss allowance to noncurrent loans | 56.0345% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 2,063 |
| Noncurrent loans to loans | 2.4796% | 533 |
| Net loans and leases to total assets | 27.0152% | 5,194 |
| Net loans and leases to deposits | 31.5468% | 5,199 |
| Net loans and leases to core deposits | 32.1660% | 5,210 |
| Total domestic deposits to total assets | 85.6352% | 2,428 |
| Equity capital to assets | 14.2096% | 965 |
| Core capital (leverage) ratio | 13.9591% | 967 |
| Tier 1 risk-based capital ratio | 40.8770% | 223 |
| Total risk-based capital ratio | 41.9496% | 223 |
| Memoranda: | ||
| Average total assets | $75,389,500 | 4,498 |
| Average earning assets | $67,563,500 | 4,519 |
| Average equity | $9,444,000 | 4,410 |
| Average total loans | $18,806,500 | 5,058 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2941% | 5,088 |
| Cost of funding earning assets | 0.1453% | 5,186 |
| Net interest margin | 3.1488% | 4,576 |
| Noninterest income to average assets | 0.4140% | 3,355 |
| Noninterest expense to average assets | 2.3794% | 3,940 |
| Loan and lease loss provision to assets | 0.0480% | 3,219 |
| Net operating income to assets | 0.9142% | 3,387 |
| Return on assets (ROA) | 0.9213% | 3,350 |
| Pretax return on assets | 0.8421% | 4,063 |
| Return on Equity (ROE) | 7.2784% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.1621% | 2,112 |
| Net charge-offs to loans | 0.3288% | 588 |
| Credit loss provision to net charge-offs | 54.8387% | 3,146 |
| Earnings coverage of net charge-offs (x) | 10.0806% | 2,756 |
| Efficiency ratio | 72.9320% | 1,778 |
| Assets per employee ($millions) | 5.4982% | 1,956 |
| Cash dividends to net income (ytd only)* | 15.3374% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,535 |
| Loan loss allowance to noncurrent loans | 42.5373% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 2,096 |
| Noncurrent loans to loans | 2.8360% | 382 |
| Net loans and leases to total assets | 22.6401% | 5,291 |
| Net loans and leases to deposits | 25.4950% | 5,297 |
| Net loans and leases to core deposits | 25.8931% | 5,299 |
| Total domestic deposits to total assets | 88.8024% | 944 |
| Equity capital to assets | 11.1333% | 2,573 |
| Core capital (leverage) ratio | 15.2326% | 638 |
| Tier 1 risk-based capital ratio | 36.5051% | 288 |
| Total risk-based capital ratio | 37.3599% | 291 |
| Memoranda: | ||
| Average total assets | $70,773,400 | 4,570 |
| Average earning assets | $64,023,600 | 4,592 |
| Average equity | $8,958,000 | 4,467 |
| Average total loans | $18,857,200 | 5,102 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3323% | 5,097 |
| Cost of funding earning assets | 0.1490% | 5,222 |
| Net interest margin | 3.1832% | 4,544 |
| Noninterest income to average assets | 0.4048% | 3,454 |
| Noninterest expense to average assets | 2.5094% | 3,560 |
| Loan and lease loss provision to assets | 0.0196% | 3,613 |
| Net operating income to assets | 0.8136% | 3,862 |
| Return on assets (ROA) | 0.8234% | 3,842 |
| Pretax return on assets | 0.8234% | 4,235 |
| Return on Equity (ROE) | 6.2756% | 4,177 |
| Retained earnings to average equity (ytd only) | 6.2756% | 2,501 |
| Net charge-offs to loans | -0.1627% | 5,265 |
| Credit loss provision to net charge-offs | -43.4783% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0735% | 1,454 |
| Assets per employee ($millions) | 4.2871% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,405 |
| Loan loss allowance to noncurrent loans | 30.1985% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.4882% | 862 |
| Noncurrent loans to loans | 4.9105% | 127 |
| Net loans and leases to total assets | 29.8568% | 5,282 |
| Net loans and leases to deposits | 34.7360% | 5,289 |
| Net loans and leases to core deposits | 35.7575% | 5,302 |
| Total domestic deposits to total assets | 85.9533% | 2,223 |
| Equity capital to assets | 13.6921% | 1,058 |
| Core capital (leverage) ratio | 14.9819% | 709 |
| Tier 1 risk-based capital ratio | 37.2378% | 270 |
| Total risk-based capital ratio | 38.3583% | 267 |
| Memoranda: | ||
| Average total assets | $67,848,500 | 4,664 |
| Average earning assets | $62,618,500 | 4,665 |
| Average equity | $8,902,000 | 4,515 |
| Average total loans | $18,846,500 | 5,160 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2942% | 5,145 |
| Cost of funding earning assets | 0.1490% | 5,250 |
| Net interest margin | 3.1452% | 4,630 |
| Noninterest income to average assets | 0.4578% | 3,106 |
| Noninterest expense to average assets | 2.4975% | 3,639 |
| Loan and lease loss provision to assets | 0.0290% | 3,329 |
| Net operating income to assets | 0.8055% | 3,840 |
| Return on assets (ROA) | 0.8199% | 3,795 |
| Pretax return on assets | 0.8199% | 4,191 |
| Return on Equity (ROE) | 6.3351% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.3351% | 2,395 |
| Net charge-offs to loans | -0.1717% | 5,299 |
| Credit loss provision to net charge-offs | -62.5000% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9565% | 1,569 |
| Assets per employee ($millions) | 4.0612% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,351 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 1,885 |
| Noncurrent loans to loans | 2.7775% | 437 |
| Net loans and leases to total assets | 28.2122% | 5,359 |
| Net loans and leases to deposits | 32.7345% | 5,367 |
| Net loans and leases to core deposits | 33.6843% | 5,369 |
| Total domestic deposits to total assets | 86.1848% | 2,197 |
| Equity capital to assets | 13.5598% | 1,080 |
| Core capital (leverage) ratio | 14.5375% | 772 |
| Tier 1 risk-based capital ratio | 37.8765% | 268 |
| Total risk-based capital ratio | 39.0047% | 267 |
| Memoranda: | ||
| Average total assets | $69,029,000 | 4,696 |
| Average earning assets | $63,080,670 | 4,709 |
| Average equity | $8,934,330 | 4,544 |
| Average total loans | $18,632,330 | 5,225 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2526% | 5,193 |
| Cost of funding earning assets | 0.1510% | 5,264 |
| Net interest margin | 3.1016% | 4,704 |
| Noninterest income to average assets | 0.4166% | 3,339 |
| Noninterest expense to average assets | 2.4488% | 3,820 |
| Loan and lease loss provision to assets | 0.0563% | 2,644 |
| Net operating income to assets | 0.6868% | 4,148 |
| Return on assets (ROA) | 0.7149% | 4,059 |
| Pretax return on assets | 0.7149% | 4,399 |
| Return on Equity (ROE) | 5.6470% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.6470% | 2,871 |
| Net charge-offs to loans | -0.3862% | 5,477 |
| Credit loss provision to net charge-offs | -55.5556% | 3,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7196% | 1,492 |
| Assets per employee ($millions) | 4.1508% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,368 |
| Loan loss allowance to noncurrent loans | 44.4444% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9622% | 1,640 |
| Noncurrent loans to loans | 3.4323% | 308 |
| Net loans and leases to total assets | 27.6045% | 5,416 |
| Net loans and leases to deposits | 31.8591% | 5,420 |
| Net loans and leases to core deposits | 32.7580% | 5,425 |
| Total domestic deposits to total assets | 86.6457% | 2,259 |
| Equity capital to assets | 13.1857% | 1,163 |
| Core capital (leverage) ratio | 13.0129% | 1,175 |
| Tier 1 risk-based capital ratio | 36.4305% | 294 |
| Total risk-based capital ratio | 37.5416% | 291 |
| Memoranda: | ||
| Average total assets | $71,054,000 | 4,722 |
| Average earning assets | $63,579,500 | 4,757 |
| Average equity | $8,996,000 | 4,586 |
| Average total loans | $18,641,500 | 5,282 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0201% | 5,340 |
| Cost of funding earning assets | 0.1370% | 5,327 |
| Net interest margin | 2.8831% | 5,066 |
| Noninterest income to average assets | 0.3979% | 3,648 |
| Noninterest expense to average assets | 2.4599% | 3,916 |
| Loan and lease loss provision to assets | 0.1398% | 1,636 |
| Net operating income to assets | 0.4777% | 4,434 |
| Return on assets (ROA) | 0.4963% | 4,421 |
| Pretax return on assets | 0.4578% | 5,001 |
| Return on Equity (ROE) | 3.7765% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.2339% | 3,356 |
| Net charge-offs to loans | 0.3996% | 626 |
| Credit loss provision to net charge-offs | 127.2727% | 2,068 |
| Earnings coverage of net charge-offs (x) | 5.2727% | 3,354 |
| Efficiency ratio | 80.9479% | 1,019 |
| Assets per employee ($millions) | 4.4526% | 3,264 |
| Cash dividends to net income (ytd only)* | 14.3678% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,876 |
| Loan loss allowance to noncurrent loans | 19.8296% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.7055% | 751 |
| Noncurrent loans to loans | 6.9163% | 65 |
| Net loans and leases to total assets | 24.3213% | 5,526 |
| Net loans and leases to deposits | 27.7326% | 5,544 |
| Net loans and leases to core deposits | 28.0837% | 5,549 |
| Total domestic deposits to total assets | 87.6993% | 1,657 |
| Equity capital to assets | 12.2003% | 1,704 |
| Core capital (leverage) ratio | 14.3151% | 767 |
| Tier 1 risk-based capital ratio | 34.7167% | 328 |
| Total risk-based capital ratio | 35.6843% | 327 |
| Memoranda: | ||
| Average total assets | $70,124,000 | 4,774 |
| Average earning assets | $64,235,400 | 4,781 |
| Average equity | $9,215,000 | 4,577 |
| Average total loans | $19,268,200 | 5,332 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0530% | 5,376 |
| Cost of funding earning assets | 0.1367% | 5,385 |
| Net interest margin | 2.9163% | 5,067 |
| Noninterest income to average assets | 0.4113% | 3,615 |
| Noninterest expense to average assets | 2.5296% | 3,627 |
| Loan and lease loss provision to assets | 0.0815% | 2,466 |
| Net operating income to assets | 0.5315% | 4,648 |
| Return on assets (ROA) | 0.5567% | 4,587 |
| Pretax return on assets | 0.5567% | 4,912 |
| Return on Equity (ROE) | 4.1548% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.1548% | 3,435 |
| Net charge-offs to loans | -0.0618% | 5,230 |
| Credit loss provision to net charge-offs | -466.6667% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4938% | 1,047 |
| Assets per employee ($millions) | 3.7798% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,604 |
| Loan loss allowance to noncurrent loans | 19.0794% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.3329% | 493 |
| Noncurrent loans to loans | 7.7616% | 55 |
| Net loans and leases to total assets | 29.6112% | 5,508 |
| Net loans and leases to deposits | 34.9363% | 5,512 |
| Net loans and leases to core deposits | 36.9041% | 5,511 |
| Total domestic deposits to total assets | 84.7578% | 2,816 |
| Equity capital to assets | 14.6975% | 808 |
| Core capital (leverage) ratio | 14.1953% | 841 |
| Tier 1 risk-based capital ratio | 35.9878% | 305 |
| Total risk-based capital ratio | 37.1097% | 304 |
| Memoranda: | ||
| Average total assets | $68,731,250 | 4,847 |
| Average earning assets | $64,371,500 | 4,828 |
| Average equity | $9,210,000 | 4,631 |
| Average total loans | $19,418,750 | 5,387 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1359% | 5,317 |
| Cost of funding earning assets | 0.1346% | 5,425 |
| Net interest margin | 3.0013% | 4,911 |
| Noninterest income to average assets | 0.3959% | 3,717 |
| Noninterest expense to average assets | 2.4636% | 3,879 |
| Loan and lease loss provision to assets | 0.0826% | 2,334 |
| Net operating income to assets | 0.6437% | 4,113 |
| Return on assets (ROA) | 0.6437% | 4,162 |
| Pretax return on assets | 0.6437% | 4,704 |
| Return on Equity (ROE) | 4.9496% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.9496% | 2,745 |
| Net charge-offs to loans | 0.0617% | 2,040 |
| Credit loss provision to net charge-offs | 483.3333% | 682 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,204 |
| Efficiency ratio | 77.2321% | 1,556 |
| Assets per employee ($millions) | 3.8591% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,353 |
| Loan loss allowance to noncurrent loans | 28.6986% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.3703% | 1,157 |
| Noncurrent loans to loans | 4.5686% | 178 |
| Net loans and leases to total assets | 29.6014% | 5,553 |
| Net loans and leases to deposits | 34.7369% | 5,561 |
| Net loans and leases to core deposits | 36.6394% | 5,560 |
| Total domestic deposits to total assets | 85.2161% | 2,727 |
| Equity capital to assets | 14.3297% | 872 |
| Core capital (leverage) ratio | 13.7316% | 932 |
| Tier 1 risk-based capital ratio | 35.3258% | 293 |
| Total risk-based capital ratio | 36.3259% | 298 |
| Memoranda: | ||
| Average total assets | $70,223,000 | 4,861 |
| Average earning assets | $65,371,000 | 4,843 |
| Average equity | $9,132,000 | 4,662 |
| Average total loans | $19,454,000 | 5,427 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9691% | 5,490 |
| Cost of funding earning assets | 0.1322% | 5,476 |
| Net interest margin | 2.8368% | 5,188 |
| Noninterest income to average assets | 0.3971% | 3,682 |
| Noninterest expense to average assets | 2.4210% | 4,054 |
| Loan and lease loss provision to assets | 0.0331% | 3,126 |
| Net operating income to assets | 0.5460% | 4,399 |
| Return on assets (ROA) | 0.5460% | 4,441 |
| Pretax return on assets | 0.5460% | 4,849 |
| Return on Equity (ROE) | 4.4012% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.4012% | 3,224 |
| Net charge-offs to loans | -0.0414% | 5,090 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6985% | 1,294 |
| Assets per employee ($millions) | 3.9649% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,865 |
| Loan loss allowance to noncurrent loans | 12.8097% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 2.8159% | 371 |
| Noncurrent loans to loans | 9.7148% | 35 |
| Net loans and leases to total assets | 28.6100% | 5,615 |
| Net loans and leases to deposits | 33.1905% | 5,631 |
| Net loans and leases to core deposits | 34.9354% | 5,635 |
| Total domestic deposits to total assets | 86.1994% | 2,579 |
| Equity capital to assets | 13.5350% | 1,060 |
| Core capital (leverage) ratio | 12.6611% | 1,263 |
| Tier 1 risk-based capital ratio | 33.8595% | 357 |
| Total risk-based capital ratio | 34.7751% | 361 |
| Memoranda: | ||
| Average total assets | $72,532,000 | 4,863 |
| Average earning assets | $66,553,000 | 4,867 |
| Average equity | $8,997,500 | 4,719 |
| Average total loans | $19,342,000 | 5,489 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7142% | 5,681 |
| Cost of funding earning assets | 0.1286% | 5,560 |
| Net interest margin | 2.5856% | 5,527 |
| Noninterest income to average assets | 0.3760% | 4,057 |
| Noninterest expense to average assets | 2.3187% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5080% | 4,598 |
| Return on assets (ROA) | 0.5853% | 4,380 |
| Pretax return on assets | 0.5747% | 4,864 |
| Return on Equity (ROE) | 4.8089% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.8089% | 2,467 |
| Net charge-offs to loans | 0.4689% | 531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.2386% | 3,530 |
| Efficiency ratio | 82.3390% | 1,168 |
| Assets per employee ($millions) | 4.5683% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,960 |
| Loan loss allowance to noncurrent loans | 22.6179% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 1.3443% | 1,290 |
| Noncurrent loans to loans | 5.4236% | 131 |
| Net loans and leases to total assets | 24.3649% | 5,752 |
| Net loans and leases to deposits | 27.5329% | 5,768 |
| Net loans and leases to core deposits | 28.7464% | 5,768 |
| Total domestic deposits to total assets | 88.4936% | 1,382 |
| Equity capital to assets | 11.4240% | 2,228 |
| Core capital (leverage) ratio | 13.4839% | 970 |
| Tier 1 risk-based capital ratio | 32.9124% | 376 |
| Total risk-based capital ratio | 33.7827% | 385 |
| Memoranda: | ||
| Average total assets | $74,999,200 | 4,832 |
| Average earning assets | $70,775,400 | 4,784 |
| Average equity | $9,129,000 | 4,733 |
| Average total loans | $18,766,200 | 5,553 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7204% | 5,755 |
| Cost of funding earning assets | 0.1289% | 5,623 |
| Net interest margin | 2.5915% | 5,592 |
| Noninterest income to average assets | 0.3623% | 4,188 |
| Noninterest expense to average assets | 2.3479% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5022% | 4,692 |
| Return on assets (ROA) | 0.6063% | 4,384 |
| Pretax return on assets | 0.6063% | 4,860 |
| Return on Equity (ROE) | 4.9021% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.9021% | 2,896 |
| Net charge-offs to loans | 0.2143% | 1,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.3330% | 2,685 |
| Efficiency ratio | 82.3789% | 1,152 |
| Assets per employee ($millions) | 3.9821% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 1,591 |
| Loan loss allowance to noncurrent loans | 29.3587% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.4876% | 1,212 |
| Noncurrent loans to loans | 5.3125% | 151 |
| Net loans and leases to total assets | 27.3181% | 5,770 |
| Net loans and leases to deposits | 32.0020% | 5,787 |
| Net loans and leases to core deposits | 33.6929% | 5,785 |
| Total domestic deposits to total assets | 85.3638% | 2,654 |
| Equity capital to assets | 13.8666% | 1,093 |
| Core capital (leverage) ratio | 12.9720% | 1,200 |
| Tier 1 risk-based capital ratio | 45.5040% | 175 |
| Total risk-based capital ratio | 46.7575% | 173 |
| Memoranda: | ||
| Average total assets | $74,333,750 | 4,879 |
| Average earning assets | $71,360,250 | 4,804 |
| Average equity | $9,193,250 | 4,769 |
| Average total loans | $18,668,500 | 5,610 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6511% | 5,858 |
| Cost of funding earning assets | 0.1253% | 5,730 |
| Net interest margin | 2.5258% | 5,727 |
| Noninterest income to average assets | 0.3397% | 4,349 |
| Noninterest expense to average assets | 2.2601% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5017% | 4,671 |
| Return on assets (ROA) | 0.5435% | 4,614 |
| Pretax return on assets | 0.5435% | 5,041 |
| Return on Equity (ROE) | 4.5571% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.5571% | 3,011 |
| Net charge-offs to loans | 0.3972% | 573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.1892% | 2,887 |
| Efficiency ratio | 81.8354% | 1,287 |
| Assets per employee ($millions) | 4.0773% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,676 |
| Loan loss allowance to noncurrent loans | 32.3529% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 1,571 |
| Noncurrent loans to loans | 4.7887% | 194 |
| Net loans and leases to total assets | 26.2198% | 5,866 |
| Net loans and leases to deposits | 30.5733% | 5,874 |
| Net loans and leases to core deposits | 32.1408% | 5,868 |
| Total domestic deposits to total assets | 85.7605% | 2,535 |
| Equity capital to assets | 13.5095% | 1,234 |
| Core capital (leverage) ratio | 12.4241% | 1,396 |
| Tier 1 risk-based capital ratio | 44.1244% | 184 |
| Total risk-based capital ratio | 45.3785% | 180 |
| Memoranda: | ||
| Average total assets | $76,546,670 | 4,884 |
| Average earning assets | $73,402,670 | 4,811 |
| Average equity | $9,128,670 | 4,817 |
| Average total loans | $18,629,330 | 5,675 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5686% | 5,944 |
| Cost of funding earning assets | 0.1193% | 5,816 |
| Net interest margin | 2.4492% | 5,846 |
| Noninterest income to average assets | 0.3343% | 4,338 |
| Noninterest expense to average assets | 2.1307% | 5,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5589% | 4,375 |
| Return on assets (ROA) | 0.5589% | 4,479 |
| Pretax return on assets | 0.5589% | 4,928 |
| Return on Equity (ROE) | 4.9717% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.9717% | 2,961 |
| Net charge-offs to loans | 0.1282% | 1,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,534 |
| Efficiency ratio | 79.2208% | 1,713 |
| Assets per employee ($millions) | 4.1582% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 1,345 |
| Loan loss allowance to noncurrent loans | 43.3060% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 2,110 |
| Noncurrent loans to loans | 3.9457% | 311 |
| Net loans and leases to total assets | 25.7957% | 5,918 |
| Net loans and leases to deposits | 29.8060% | 5,934 |
| Net loans and leases to core deposits | 31.2881% | 5,928 |
| Total domestic deposits to total assets | 86.5455% | 2,424 |
| Equity capital to assets | 12.9283% | 1,446 |
| Core capital (leverage) ratio | 11.5040% | 1,968 |
| Tier 1 risk-based capital ratio | 43.3659% | 198 |
| Total risk-based capital ratio | 44.6223% | 195 |
| Memoranda: | ||
| Average total assets | $80,163,000 | 4,853 |
| Average earning assets | $77,085,500 | 4,768 |
| Average equity | $9,011,000 | 4,861 |
| Average total loans | $18,714,000 | 5,728 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7853% | 5,888 |
| Cost of funding earning assets | 0.1435% | 5,725 |
| Net interest margin | 2.6418% | 5,718 |
| Noninterest income to average assets | 0.3433% | 4,459 |
| Noninterest expense to average assets | 2.1960% | 5,055 |
| Loan and lease loss provision to assets | 0.2227% | 920 |
| Net operating income to assets | 0.3891% | 5,090 |
| Return on assets (ROA) | 0.4835% | 4,842 |
| Pretax return on assets | 0.4795% | 5,156 |
| Return on Equity (ROE) | 4.2003% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.2003% | 2,997 |
| Net charge-offs to loans | 0.2072% | 1,424 |
| Credit loss provision to net charge-offs | 435.8974% | 706 |
| Earnings coverage of net charge-offs (x) | 11.8974% | 2,516 |
| Efficiency ratio | 78.3178% | 1,919 |
| Assets per employee ($millions) | 5.2727% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 1,331 |
| Loan loss allowance to noncurrent loans | 32.5933% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 1,960 |
| Noncurrent loans to loans | 5.2501% | 176 |
| Net loans and leases to total assets | 20.6982% | 6,043 |
| Net loans and leases to deposits | 23.0461% | 6,057 |
| Net loans and leases to core deposits | 24.3366% | 6,059 |
| Total domestic deposits to total assets | 89.8121% | 711 |
| Equity capital to assets | 9.9101% | 4,062 |
| Core capital (leverage) ratio | 11.8839% | 1,695 |
| Tier 1 risk-based capital ratio | 34.0741% | 361 |
| Total risk-based capital ratio | 35.3245% | 353 |
| Memoranda: | ||
| Average total assets | $76,321,600 | 4,941 |
| Average earning assets | $71,086,600 | 4,914 |
| Average equity | $8,785,000 | 4,897 |
| Average total loans | $18,820,000 | 5,770 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9177% | 5,876 |
| Cost of funding earning assets | 0.1506% | 5,769 |
| Net interest margin | 2.7670% | 5,639 |
| Noninterest income to average assets | 0.3434% | 4,478 |
| Noninterest expense to average assets | 2.2924% | 4,798 |
| Loan and lease loss provision to assets | 0.3105% | 457 |
| Net operating income to assets | 0.2904% | 5,480 |
| Return on assets (ROA) | 0.3142% | 5,497 |
| Pretax return on assets | 0.3142% | 5,620 |
| Return on Equity (ROE) | 2.6178% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.6178% | 4,546 |
| Net charge-offs to loans | 0.3048% | 876 |
| Credit loss provision to net charge-offs | 395.3488% | 772 |
| Earnings coverage of net charge-offs (x) | 7.6515% | 2,891 |
| Efficiency ratio | 79.2298% | 1,770 |
| Assets per employee ($millions) | 4.2909% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 1,548 |
| Loan loss allowance to noncurrent loans | 29.4009% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5978% | 1,393 |
| Noncurrent loans to loans | 5.6881% | 154 |
| Net loans and leases to total assets | 27.3192% | 6,043 |
| Net loans and leases to deposits | 31.6215% | 6,057 |
| Net loans and leases to core deposits | 34.0727% | 6,044 |
| Total domestic deposits to total assets | 86.3943% | 2,330 |
| Equity capital to assets | 12.8905% | 1,513 |
| Core capital (leverage) ratio | 12.0811% | 1,634 |
| Tier 1 risk-based capital ratio | 32.9895% | 412 |
| Total risk-based capital ratio | 34.2369% | 407 |
| Memoranda: | ||
| Average total assets | $72,993,000 | 5,077 |
| Average earning assets | $67,266,250 | 5,068 |
| Average equity | $8,760,500 | 4,964 |
| Average total loans | $18,806,000 | 5,841 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8726% | 5,970 |
| Cost of funding earning assets | 0.1506% | 5,841 |
| Net interest margin | 2.7221% | 5,740 |
| Noninterest income to average assets | 0.3305% | 4,592 |
| Noninterest expense to average assets | 2.2434% | 4,994 |
| Loan and lease loss provision to assets | 0.3090% | 483 |
| Net operating income to assets | 0.2552% | 5,566 |
| Return on assets (ROA) | 0.2902% | 5,558 |
| Pretax return on assets | 0.2902% | 5,677 |
| Return on Equity (ROE) | 2.4740% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.4740% | 4,482 |
| Net charge-offs to loans | 0.4274% | 603 |
| Credit loss provision to net charge-offs | 287.5000% | 954 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,944 |
| Efficiency ratio | 79.9043% | 1,777 |
| Assets per employee ($millions) | 4.2167% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 2,657 |
| Loan loss allowance to noncurrent loans | 28.5256% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 1,783 |
| Noncurrent loans to loans | 4.9816% | 231 |
| Net loans and leases to total assets | 27.4534% | 6,104 |
| Net loans and leases to deposits | 31.6859% | 6,125 |
| Net loans and leases to core deposits | 34.1804% | 6,104 |
| Total domestic deposits to total assets | 86.6424% | 2,352 |
| Equity capital to assets | 12.8211% | 1,479 |
| Core capital (leverage) ratio | 11.8990% | 1,714 |
| Tier 1 risk-based capital ratio | 32.3201% | 448 |
| Total risk-based capital ratio | 33.3741% | 449 |
| Memoranda: | ||
| Average total assets | $74,439,000 | 5,090 |
| Average earning assets | $67,743,000 | 5,107 |
| Average equity | $8,730,670 | 5,003 |
| Average total loans | $18,716,330 | 5,898 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8451% | 6,039 |
| Cost of funding earning assets | 0.1443% | 5,972 |
| Net interest margin | 2.7008% | 5,804 |
| Noninterest income to average assets | 0.3183% | 4,643 |
| Noninterest expense to average assets | 2.1508% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5698% | 4,403 |
| Return on assets (ROA) | 0.6365% | 4,228 |
| Pretax return on assets | 0.6365% | 4,804 |
| Return on Equity (ROE) | 5.6550% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.6550% | 2,680 |
| Net charge-offs to loans | -0.1285% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0566% | 2,027 |
| Assets per employee ($millions) | 4.3603% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 4,691 |
| Loan loss allowance to noncurrent loans | 12.3211% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 2.3250% | 953 |
| Noncurrent loans to loans | 8.6361% | 83 |
| Net loans and leases to total assets | 26.3890% | 6,179 |
| Net loans and leases to deposits | 30.4564% | 6,190 |
| Net loans and leases to core deposits | 32.7679% | 6,169 |
| Total domestic deposits to total assets | 86.6450% | 2,578 |
| Equity capital to assets | 12.7458% | 1,545 |
| Core capital (leverage) ratio | 11.4205% | 2,063 |
| Tier 1 risk-based capital ratio | 24.1684% | 977 |
| Total risk-based capital ratio | 24.6280% | 1,037 |
| Memoranda: | ||
| Average total assets | $77,925,000 | 5,075 |
| Average earning assets | $69,313,000 | 5,111 |
| Average equity | $8,771,000 | 5,045 |
| Average total loans | $18,680,000 | 5,949 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1925% | 5,843 |
| Cost of funding earning assets | 0.1553% | 6,068 |
| Net interest margin | 3.0372% | 5,356 |
| Noninterest income to average assets | 0.4690% | 3,717 |
| Noninterest expense to average assets | 2.3352% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9167% | 2,795 |
| Return on assets (ROA) | 0.9821% | 2,549 |
| Pretax return on assets | 0.9793% | 3,578 |
| Return on Equity (ROE) | 8.4433% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.4433% | 853 |
| Net charge-offs to loans | 0.2673% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.8600% | 2,334 |
| Efficiency ratio | 71.8723% | 3,229 |
| Assets per employee ($millions) | 5.3804% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 4,932 |
| Loan loss allowance to noncurrent loans | 18.3031% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2371% | 2,282 |
| Noncurrent loans to loans | 5.5941% | 227 |
| Net loans and leases to total assets | 21.5598% | 6,350 |
| Net loans and leases to deposits | 24.0670% | 6,369 |
| Net loans and leases to core deposits | 25.4753% | 6,360 |
| Total domestic deposits to total assets | 89.5825% | 931 |
| Equity capital to assets | 10.0481% | 4,044 |
| Core capital (leverage) ratio | 12.3453% | 1,423 |
| Tier 1 risk-based capital ratio | 27.1691% | 672 |
| Total risk-based capital ratio | 27.8148% | 701 |
| Memoranda: | ||
| Average total assets | $70,357,400 | 5,274 |
| Average earning assets | $64,400,600 | 5,268 |
| Average equity | $8,184,000 | 5,155 |
| Average total loans | $18,702,800 | 6,010 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3013% | 5,770 |
| Cost of funding earning assets | 0.1595% | 6,124 |
| Net interest margin | 3.1417% | 5,139 |
| Noninterest income to average assets | 0.4536% | 3,870 |
| Noninterest expense to average assets | 2.5291% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8892% | 2,961 |
| Return on assets (ROA) | 0.9494% | 2,776 |
| Pretax return on assets | 0.9494% | 3,793 |
| Return on Equity (ROE) | 7.8172% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.8172% | 1,439 |
| Net charge-offs to loans | 0.1070% | 2,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 29.5325% | 1,384 |
| Efficiency ratio | 73.9871% | 2,824 |
| Assets per employee ($millions) | 3.9506% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 4,122 |
| Loan loss allowance to noncurrent loans | 21.6190% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 1,795 |
| Noncurrent loans to loans | 5.6473% | 274 |
| Net loans and leases to total assets | 29.0560% | 6,284 |
| Net loans and leases to deposits | 33.8375% | 6,303 |
| Net loans and leases to core deposits | 35.7419% | 6,285 |
| Total domestic deposits to total assets | 85.8691% | 2,922 |
| Equity capital to assets | 13.3066% | 1,274 |
| Core capital (leverage) ratio | 12.4414% | 1,437 |
| Tier 1 risk-based capital ratio | 31.6187% | 454 |
| Total risk-based capital ratio | 32.5317% | 457 |
| Memoranda: | ||
| Average total assets | $66,425,250 | 5,440 |
| Average earning assets | $62,681,250 | 5,382 |
| Average equity | $8,067,500 | 5,229 |
| Average total loans | $18,690,500 | 6,075 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3406% | 5,732 |
| Cost of funding earning assets | 0.1576% | 6,215 |
| Net interest margin | 3.1830% | 4,997 |
| Noninterest income to average assets | 0.4445% | 3,907 |
| Noninterest expense to average assets | 2.4386% | 4,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9986% | 2,329 |
| Return on assets (ROA) | 1.0875% | 2,039 |
| Pretax return on assets | 1.0875% | 3,145 |
| Return on Equity (ROE) | 9.2292% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.2292% | 907 |
| Net charge-offs to loans | -0.0427% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9483% | 3,506 |
| Assets per employee ($millions) | 3.9823% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 3,686 |
| Loan loss allowance to noncurrent loans | 27.8281% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 1.4141% | 2,311 |
| Noncurrent loans to loans | 4.7851% | 437 |
| Net loans and leases to total assets | 28.6082% | 6,344 |
| Net loans and leases to deposits | 33.1491% | 6,363 |
| Net loans and leases to core deposits | 34.9886% | 6,353 |
| Total domestic deposits to total assets | 86.3017% | 2,879 |
| Equity capital to assets | 12.9920% | 1,374 |
| Core capital (leverage) ratio | 11.9832% | 1,660 |
| Tier 1 risk-based capital ratio | 30.9806% | 484 |
| Total risk-based capital ratio | 31.9633% | 488 |
| Memoranda: | ||
| Average total assets | $67,497,330 | 5,458 |
| Average earning assets | $63,461,330 | 5,405 |
| Average equity | $7,953,000 | 5,284 |
| Average total loans | $18,723,000 | 6,132 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 5,809 |
| Cost of funding earning assets | 0.1541% | 6,334 |
| Net interest margin | 3.1624% | 5,046 |
| Noninterest income to average assets | 0.4958% | 3,441 |
| Noninterest expense to average assets | 2.3635% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0895% | 1,856 |
| Return on assets (ROA) | 1.1414% | 1,727 |
| Pretax return on assets | 1.1414% | 2,729 |
| Return on Equity (ROE) | 10.1662% | 1,976 |
| Retained earnings to average equity (ytd only) | 10.1662% | 922 |
| Net charge-offs to loans | 0.0424% | 2,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 474 |
| Efficiency ratio | 68.4474% | 4,102 |
| Assets per employee ($millions) | 4.1026% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 4,247 |
| Loan loss allowance to noncurrent loans | 29.8507% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 2,768 |
| Noncurrent loans to loans | 4.2745% | 604 |
| Net loans and leases to total assets | 28.2887% | 6,407 |
| Net loans and leases to deposits | 32.3598% | 6,425 |
| Net loans and leases to core deposits | 34.0759% | 6,409 |
| Total domestic deposits to total assets | 87.4194% | 2,553 |
| Equity capital to assets | 12.1159% | 1,794 |
| Core capital (leverage) ratio | 11.2337% | 2,190 |
| Tier 1 risk-based capital ratio | 29.0273% | 571 |
| Total risk-based capital ratio | 29.9457% | 582 |
| Memoranda: | ||
| Average total assets | $69,388,000 | 5,460 |
| Average earning assets | $64,887,000 | 5,413 |
| Average equity | $7,790,500 | 5,345 |
| Average total loans | $18,847,500 | 6,184 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9725% | 6,368 |
| Cost of funding earning assets | 0.1607% | 6,492 |
| Net interest margin | 2.8118% | 5,958 |
| Noninterest income to average assets | 0.4146% | 4,344 |
| Noninterest expense to average assets | 2.4268% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6152% | 4,194 |
| Return on assets (ROA) | 0.6152% | 4,308 |
| Pretax return on assets | 0.6137% | 4,829 |
| Return on Equity (ROE) | 5.4821% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.4821% | 2,284 |
| Net charge-offs to loans | 0.1435% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 15.8846% | 1,840 |
| Efficiency ratio | 79.8143% | 2,176 |
| Assets per employee ($millions) | 5.2239% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 4,231 |
| Loan loss allowance to noncurrent loans | 27.0089% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 2,908 |
| Noncurrent loans to loans | 4.7443% | 551 |
| Net loans and leases to total assets | 25.4926% | 6,577 |
| Net loans and leases to deposits | 28.5526% | 6,608 |
| Net loans and leases to core deposits | 29.8744% | 6,601 |
| Total domestic deposits to total assets | 89.2828% | 1,439 |
| Equity capital to assets | 10.4300% | 3,253 |
| Core capital (leverage) ratio | 12.0976% | 1,535 |
| Tier 1 risk-based capital ratio | 26.8567% | 693 |
| Total risk-based capital ratio | 27.7364% | 712 |
| Memoranda: | ||
| Average total assets | $67,291,600 | 5,560 |
| Average earning assets | $62,843,200 | 5,511 |
| Average equity | $7,551,800 | 5,448 |
| Average total loans | $18,113,000 | 6,279 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9510% | 6,463 |
| Cost of funding earning assets | 0.1663% | 6,571 |
| Net interest margin | 2.7847% | 6,041 |
| Noninterest income to average assets | 0.4820% | 3,926 |
| Noninterest expense to average assets | 2.5135% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5792% | 4,432 |
| Return on assets (ROA) | 0.5792% | 4,565 |
| Pretax return on assets | 0.5792% | 5,101 |
| Return on Equity (ROE) | 5.0622% | 4,694 |
| Retained earnings to average equity (ytd only) | 5.0622% | 3,035 |
| Net charge-offs to loans | 0.0446% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 47.6650% | 895 |
| Efficiency ratio | 81.2705% | 1,938 |
| Assets per employee ($millions) | 3.7921% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 3,861 |
| Loan loss allowance to noncurrent loans | 31.6043% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 2,851 |
| Noncurrent loans to loans | 4.4536% | 733 |
| Net loans and leases to total assets | 30.2469% | 6,527 |
| Net loans and leases to deposits | 34.8031% | 6,544 |
| Net loans and leases to core deposits | 36.8196% | 6,537 |
| Total domestic deposits to total assets | 86.9087% | 2,748 |
| Equity capital to assets | 12.4848% | 1,585 |
| Core capital (leverage) ratio | 11.9783% | 1,686 |
| Tier 1 risk-based capital ratio | 29.1864% | 559 |
| Total risk-based capital ratio | 30.2396% | 558 |
| Memoranda: | ||
| Average total assets | $65,830,750 | 5,656 |
| Average earning assets | $61,717,000 | 5,603 |
| Average equity | $7,532,750 | 5,512 |
| Average total loans | $17,919,750 | 6,352 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8087% | 6,606 |
| Cost of funding earning assets | 0.1619% | 6,662 |
| Net interest margin | 2.6468% | 6,275 |
| Noninterest income to average assets | 0.3997% | 4,531 |
| Noninterest expense to average assets | 2.4426% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4264% | 5,123 |
| Return on assets (ROA) | 0.4264% | 5,278 |
| Pretax return on assets | 0.4264% | 5,587 |
| Return on Equity (ROE) | 3.8305% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.8305% | 3,861 |
| Net charge-offs to loans | 0.1696% | 2,764 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.6000% | 2,258 |
| Efficiency ratio | 85.1393% | 1,508 |
| Assets per employee ($millions) | 4.1507% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 4,080 |
| Loan loss allowance to noncurrent loans | 32.6452% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 1.5002% | 2,850 |
| Noncurrent loans to loans | 4.2594% | 863 |
| Net loans and leases to total assets | 28.8179% | 6,612 |
| Net loans and leases to deposits | 32.7200% | 6,644 |
| Net loans and leases to core deposits | 34.5384% | 6,635 |
| Total domestic deposits to total assets | 88.0742% | 2,194 |
| Equity capital to assets | 11.6046% | 2,215 |
| Core capital (leverage) ratio | 11.3223% | 2,078 |
| Tier 1 risk-based capital ratio | 27.9258% | 629 |
| Total risk-based capital ratio | 28.9184% | 641 |
| Memoranda: | ||
| Average total assets | $67,549,670 | 5,646 |
| Average earning assets | $63,018,330 | 5,595 |
| Average equity | $7,518,670 | 5,556 |
| Average total loans | $17,688,330 | 6,399 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6369% | 6,767 |
| Cost of funding earning assets | 0.1537% | 6,786 |
| Net interest margin | 2.4832% | 6,527 |
| Noninterest income to average assets | 0.3818% | 4,607 |
| Noninterest expense to average assets | 2.3364% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3476% | 5,362 |
| Return on assets (ROA) | 0.3476% | 5,504 |
| Pretax return on assets | 0.3476% | 5,728 |
| Return on Equity (ROE) | 3.1831% | 5,501 |
| Retained earnings to average equity (ytd only) | 3.1831% | 4,349 |
| Net charge-offs to loans | -0.1606% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0488% | 1,413 |
| Assets per employee ($millions) | 3.9224% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 3,517 |
| Loan loss allowance to noncurrent loans | 33.7821% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 2,927 |
| Noncurrent loans to loans | 4.6526% | 872 |
| Net loans and leases to total assets | 27.5403% | 6,682 |
| Net loans and leases to deposits | 31.6371% | 6,700 |
| Net loans and leases to core deposits | 32.1228% | 6,717 |
| Total domestic deposits to total assets | 87.0505% | 2,932 |
| Equity capital to assets | 12.2468% | 1,869 |
| Core capital (leverage) ratio | 10.8324% | 2,423 |
| Tier 1 risk-based capital ratio | 27.8709% | 648 |
| Total risk-based capital ratio | 28.9642% | 645 |
| Memoranda: | ||
| Average total assets | $70,194,500 | 5,619 |
| Average earning assets | $65,077,500 | 5,575 |
| Average equity | $7,665,500 | 5,592 |
| Average total loans | $17,435,000 | 6,468 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8999% | 6,818 |
| Cost of funding earning assets | 0.1912% | 6,856 |
| Net interest margin | 2.7087% | 6,509 |
| Noninterest income to average assets | 0.3901% | 4,684 |
| Noninterest expense to average assets | 2.4931% | 5,120 |
| Loan and lease loss provision to assets | 0.1134% | 4,222 |
| Net operating income to assets | 0.3432% | 5,319 |
| Return on assets (ROA) | 0.4702% | 5,056 |
| Pretax return on assets | 0.4596% | 5,399 |
| Return on Equity (ROE) | 4.2053% | 5,058 |
| Retained earnings to average equity (ytd only) | 4.2053% | 3,269 |
| Net charge-offs to loans | 0.8889% | 1,284 |
| Credit loss provision to net charge-offs | 49.3421% | 4,722 |
| Earnings coverage of net charge-offs (x) | 1.9408% | 4,454 |
| Efficiency ratio | 84.8251% | 1,531 |
| Assets per employee ($millions) | 4.5665% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,503 |
| Loan loss allowance to noncurrent loans | 21.2985% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 1.8343% | 2,670 |
| Noncurrent loans to loans | 7.2964% | 422 |
| Net loans and leases to total assets | 21.9516% | 6,898 |
| Net loans and leases to deposits | 24.4912% | 6,921 |
| Net loans and leases to core deposits | 24.7855% | 6,922 |
| Total domestic deposits to total assets | 89.6303% | 1,171 |
| Equity capital to assets | 9.8480% | 4,382 |
| Core capital (leverage) ratio | 11.5516% | 1,841 |
| Tier 1 risk-based capital ratio | 24.8415% | 869 |
| Total risk-based capital ratio | 25.7996% | 886 |
| Memoranda: | ||
| Average total assets | $66,141,600 | 5,734 |
| Average earning assets | $62,244,400 | 5,660 |
| Average equity | $7,395,400 | 5,664 |
| Average total loans | $17,099,200 | 6,548 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0387% | 6,884 |
| Cost of funding earning assets | 0.2058% | 6,937 |
| Net interest margin | 2.8328% | 6,459 |
| Noninterest income to average assets | 0.3920% | 4,694 |
| Noninterest expense to average assets | 2.7100% | 4,325 |
| Loan and lease loss provision to assets | 0.1581% | 3,536 |
| Net operating income to assets | 0.2213% | 5,860 |
| Return on assets (ROA) | 0.3983% | 5,473 |
| Pretax return on assets | 0.3983% | 5,723 |
| Return on Equity (ROE) | 3.4364% | 5,517 |
| Retained earnings to average equity (ytd only) | 3.4364% | 4,446 |
| Net charge-offs to loans | 0.4067% | 2,469 |
| Credit loss provision to net charge-offs | 144.2308% | 1,983 |
| Earnings coverage of net charge-offs (x) | 3.4616% | 3,636 |
| Efficiency ratio | 87.7217% | 1,225 |
| Assets per employee ($millions) | 3.4803% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1475% | 1,814 |
| Loan loss allowance to noncurrent loans | 42.4626% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 1.7747% | 2,949 |
| Noncurrent loans to loans | 5.0573% | 890 |
| Net loans and leases to total assets | 28.4188% | 6,865 |
| Net loans and leases to deposits | 33.0405% | 6,888 |
| Net loans and leases to core deposits | 33.5857% | 6,907 |
| Total domestic deposits to total assets | 86.0120% | 3,254 |
| Equity capital to assets | 12.9080% | 1,641 |
| Core capital (leverage) ratio | 11.5806% | 1,927 |
| Tier 1 risk-based capital ratio | 28.9676% | 587 |
| Total risk-based capital ratio | 30.2613% | 576 |
| Memoranda: | ||
| Average total assets | $63,269,500 | 5,904 |
| Average earning assets | $60,244,000 | 5,794 |
| Average equity | $7,333,000 | 5,736 |
| Average total loans | $17,046,500 | 6,637 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9729% | 6,982 |
| Cost of funding earning assets | 0.2140% | 7,002 |
| Net interest margin | 2.7589% | 6,634 |
| Noninterest income to average assets | 0.3868% | 4,752 |
| Noninterest expense to average assets | 2.6826% | 4,488 |
| Loan and lease loss provision to assets | 0.2321% | 2,756 |
| Net operating income to assets | 0.1052% | 6,142 |
| Return on assets (ROA) | 0.1052% | 6,304 |
| Pretax return on assets | 0.1052% | 6,317 |
| Return on Equity (ROE) | 0.9403% | 6,308 |
| Retained earnings to average equity (ytd only) | 0.9403% | 5,693 |
| Net charge-offs to loans | 0.7176% | 1,542 |
| Credit loss provision to net charge-offs | 122.9508% | 2,228 |
| Earnings coverage of net charge-offs (x) | 1.7869% | 4,087 |
| Efficiency ratio | 88.8320% | 1,165 |
| Assets per employee ($millions) | 3.5638% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1186% | 1,952 |
| Loan loss allowance to noncurrent loans | 35.1906% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 1.7414% | 3,115 |
| Noncurrent loans to loans | 6.0205% | 725 |
| Net loans and leases to total assets | 27.4523% | 6,945 |
| Net loans and leases to deposits | 31.5730% | 6,974 |
| Net loans and leases to core deposits | 32.0759% | 6,987 |
| Total domestic deposits to total assets | 86.9489% | 2,802 |
| Equity capital to assets | 12.1878% | 2,012 |
| Core capital (leverage) ratio | 11.1654% | 2,154 |
| Tier 1 risk-based capital ratio | 27.0714% | 721 |
| Total risk-based capital ratio | 28.3324% | 705 |
| Memoranda: | ||
| Average total assets | $64,637,670 | 5,900 |
| Average earning assets | $61,690,670 | 5,777 |
| Average equity | $7,231,670 | 5,775 |
| Average total loans | $17,001,000 | 6,691 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9010% | 7,077 |
| Cost of funding earning assets | 0.2198% | 7,070 |
| Net interest margin | 2.6812% | 6,796 |
| Noninterest income to average assets | 0.4080% | 4,616 |
| Noninterest expense to average assets | 2.5561% | 4,974 |
| Loan and lease loss provision to assets | 0.4500% | 1,377 |
| Net operating income to assets | -0.0360% | 6,466 |
| Return on assets (ROA) | -0.0360% | 6,563 |
| Pretax return on assets | -0.0360% | 6,562 |
| Return on Equity (ROE) | -0.3354% | 6,567 |
| Retained earnings to average equity (ytd only) | -0.3354% | 6,053 |
| Net charge-offs to loans | 0.7762% | 1,325 |
| Credit loss provision to net charge-offs | 227.2727% | 1,226 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 3,314 |
| Efficiency ratio | 86.0606% | 1,478 |
| Assets per employee ($millions) | 3.5632% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3058% | 1,664 |
| Loan loss allowance to noncurrent loans | 30.4314% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 2.1874% | 2,698 |
| Noncurrent loans to loans | 7.5771% | 550 |
| Net loans and leases to total assets | 27.1387% | 7,000 |
| Net loans and leases to deposits | 30.9854% | 7,030 |
| Net loans and leases to core deposits | 31.4755% | 7,053 |
| Total domestic deposits to total assets | 87.5854% | 2,599 |
| Equity capital to assets | 11.8153% | 2,171 |
| Core capital (leverage) ratio | 10.6569% | 2,596 |
| Tier 1 risk-based capital ratio | 27.0003% | 734 |
| Total risk-based capital ratio | 28.2534% | 719 |
| Memoranda: | ||
| Average total assets | $66,664,000 | 5,864 |
| Average earning assets | $63,703,000 | 5,762 |
| Average equity | $7,155,500 | 5,820 |
| Average total loans | $17,005,500 | 6,750 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2597% | 7,102 |
| Cost of funding earning assets | 0.4171% | 6,844 |
| Net interest margin | 2.8426% | 6,769 |
| Noninterest income to average assets | 0.5061% | 3,806 |
| Noninterest expense to average assets | 2.7000% | 4,748 |
| Loan and lease loss provision to assets | 0.0613% | 5,845 |
| Net operating income to assets | 0.4562% | 4,605 |
| Return on assets (ROA) | 0.4562% | 4,820 |
| Pretax return on assets | 0.4255% | 5,213 |
| Return on Equity (ROE) | 4.1314% | 4,791 |
| Retained earnings to average equity (ytd only) | 2.0876% | 4,727 |
| Net charge-offs to loans | 0.3025% | 3,886 |
| Credit loss provision to net charge-offs | 74.5098% | 4,687 |
| Earnings coverage of net charge-offs (x) | 5.9216% | 2,645 |
| Efficiency ratio | 84.7243% | 1,690 |
| Assets per employee ($millions) | 4.2796% | 3,305 |
| Cash dividends to net income (ytd only)* | 49.4700% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,232 |
| Loan loss allowance to noncurrent loans | 26.6975% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 1.8501% | 3,188 |
| Noncurrent loans to loans | 7.5419% | 553 |
| Net loans and leases to total assets | 23.1437% | 7,168 |
| Net loans and leases to deposits | 25.7943% | 7,190 |
| Net loans and leases to core deposits | 26.1245% | 7,195 |
| Total domestic deposits to total assets | 89.7243% | 1,144 |
| Equity capital to assets | 9.8331% | 4,396 |
| Core capital (leverage) ratio | 11.5791% | 1,829 |
| Tier 1 risk-based capital ratio | 24.3300% | 940 |
| Total risk-based capital ratio | 25.5787% | 929 |
| Memoranda: | ||
| Average total assets | $62,037,400 | 5,980 |
| Average earning assets | $58,503,200 | 5,916 |
| Average equity | $6,850,000 | 5,910 |
| Average total loans | $16,858,400 | 6,808 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 7,127 |
| Cost of funding earning assets | 0.4667% | 6,829 |
| Net interest margin | 2.9557% | 6,658 |
| Noninterest income to average assets | 0.5616% | 3,437 |
| Noninterest expense to average assets | 2.9111% | 3,882 |
| Loan and lease loss provision to assets | 0.0292% | 6,073 |
| Net operating income to assets | 0.3953% | 5,023 |
| Return on assets (ROA) | 0.3953% | 5,204 |
| Pretax return on assets | 0.3953% | 5,489 |
| Return on Equity (ROE) | 3.4641% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.4641% | 4,272 |
| Net charge-offs to loans | 0.0079% | 6,052 |
| Credit loss provision to net charge-offs | 1,300.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 189.4662% | 203 |
| Efficiency ratio | 87.2727% | 1,411 |
| Assets per employee ($millions) | 3.0837% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1407% | 1,981 |
| Loan loss allowance to noncurrent loans | 24.3119% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 2.8411% | 2,284 |
| Noncurrent loans to loans | 8.8050% | 461 |
| Net loans and leases to total assets | 30.5547% | 7,071 |
| Net loans and leases to deposits | 35.4626% | 7,086 |
| Net loans and leases to core deposits | 36.0851% | 7,117 |
| Total domestic deposits to total assets | 86.1603% | 3,123 |
| Equity capital to assets | 12.9299% | 1,650 |
| Core capital (leverage) ratio | 12.1525% | 1,619 |
| Tier 1 risk-based capital ratio | 27.9624% | 662 |
| Total risk-based capital ratio | 29.2150% | 645 |
| Memoranda: | ||
| Average total assets | $59,358,250 | 6,115 |
| Average earning assets | $55,710,500 | 6,043 |
| Average equity | $6,774,000 | 5,976 |
| Average total loans | $16,777,000 | 6,878 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3697% | 7,222 |
| Cost of funding earning assets | 0.4723% | 6,941 |
| Net interest margin | 2.8974% | 6,792 |
| Noninterest income to average assets | 0.4485% | 4,295 |
| Noninterest expense to average assets | 2.8429% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3166% | 5,302 |
| Return on assets (ROA) | 0.3166% | 5,439 |
| Pretax return on assets | 0.3166% | 5,633 |
| Return on Equity (ROE) | 2.8917% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.8917% | 4,446 |
| Net charge-offs to loans | -0.2170% | 7,298 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9791% | 1,241 |
| Assets per employee ($millions) | 3.2894% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1653% | 1,988 |
| Loan loss allowance to noncurrent loans | 22.6019% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 3.0740% | 2,185 |
| Noncurrent loans to loans | 9.5802% | 413 |
| Net loans and leases to total assets | 30.4614% | 7,165 |
| Net loans and leases to deposits | 34.9774% | 7,192 |
| Net loans and leases to core deposits | 35.5794% | 7,228 |
| Total domestic deposits to total assets | 87.0887% | 2,694 |
| Equity capital to assets | 12.3247% | 1,888 |
| Core capital (leverage) ratio | 11.7590% | 1,740 |
| Tier 1 risk-based capital ratio | 27.8435% | 670 |
| Total risk-based capital ratio | 29.0974% | 654 |
| Memoranda: | ||
| Average total assets | $60,642,000 | 6,117 |
| Average earning assets | $56,740,330 | 6,063 |
| Average equity | $6,639,670 | 6,040 |
| Average total loans | $16,592,330 | 6,956 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1604% | 7,353 |
| Cost of funding earning assets | 0.4904% | 7,002 |
| Net interest margin | 2.6700% | 7,049 |
| Noninterest income to average assets | 0.4254% | 4,492 |
| Noninterest expense to average assets | 2.7364% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1778% | 5,860 |
| Return on assets (ROA) | 0.1778% | 5,910 |
| Pretax return on assets | 0.1778% | 5,993 |
| Return on Equity (ROE) | 1.7195% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.7195% | 5,091 |
| Net charge-offs to loans | -0.2472% | 7,302 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8998% | 1,041 |
| Assets per employee ($millions) | 3.2887% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2733% | 1,809 |
| Loan loss allowance to noncurrent loans | 24.2444% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 2.8136% | 2,448 |
| Noncurrent loans to loans | 9.3765% | 455 |
| Net loans and leases to total assets | 28.3734% | 7,283 |
| Net loans and leases to deposits | 32.2261% | 7,317 |
| Net loans and leases to core deposits | 32.7741% | 7,335 |
| Total domestic deposits to total assets | 88.0446% | 2,349 |
| Equity capital to assets | 11.7014% | 2,119 |
| Core capital (leverage) ratio | 11.1756% | 2,046 |
| Tier 1 risk-based capital ratio | 28.9702% | 576 |
| Total risk-based capital ratio | 30.2265% | 561 |
| Memoranda: | ||
| Average total assets | $63,003,000 | 6,092 |
| Average earning assets | $58,726,000 | 6,041 |
| Average equity | $6,513,500 | 6,088 |
| Average total loans | $16,183,000 | 7,025 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6412% | 7,329 |
| Cost of funding earning assets | 0.6333% | 7,050 |
| Net interest margin | 3.0078% | 6,720 |
| Noninterest income to average assets | 0.4889% | 4,256 |
| Noninterest expense to average assets | 2.9027% | 4,214 |
| Loan and lease loss provision to assets | 0.2436% | 4,853 |
| Net operating income to assets | 0.2148% | 5,231 |
| Return on assets (ROA) | 0.2148% | 5,390 |
| Pretax return on assets | 0.1624% | 5,566 |
| Return on Equity (ROE) | 1.9382% | 5,403 |
| Retained earnings to average equity (ytd only) | 1.9382% | 4,509 |
| Net charge-offs to loans | 0.6311% | 3,130 |
| Credit loss provision to net charge-offs | 139.8058% | 2,708 |
| Earnings coverage of net charge-offs (x) | 2.3301% | 3,978 |
| Efficiency ratio | 87.7301% | 1,503 |
| Assets per employee ($millions) | 4.1234% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2251% | 1,831 |
| Loan loss allowance to noncurrent loans | 24.3886% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 2.1741% | 3,125 |
| Noncurrent loans to loans | 9.1236% | 507 |
| Net loans and leases to total assets | 22.5042% | 7,492 |
| Net loans and leases to deposits | 24.8421% | 7,525 |
| Net loans and leases to core deposits | 25.1679% | 7,523 |
| Total domestic deposits to total assets | 90.5889% | 798 |
| Equity capital to assets | 9.2513% | 4,752 |
| Core capital (leverage) ratio | 11.7069% | 1,719 |
| Tier 1 risk-based capital ratio | 26.4662% | 711 |
| Total risk-based capital ratio | 27.7203% | 695 |
| Memoranda: | ||
| Average total assets | $59,118,200 | 6,237 |
| Average earning assets | $55,421,800 | 6,156 |
| Average equity | $6,552,600 | 6,184 |
| Average total loans | $16,320,000 | 7,102 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 7,374 |
| Cost of funding earning assets | 0.6673% | 7,135 |
| Net interest margin | 3.1884% | 6,380 |
| Noninterest income to average assets | 0.4588% | 4,494 |
| Noninterest expense to average assets | 3.0415% | 3,603 |
| Loan and lease loss provision to assets | 0.0970% | 6,054 |
| Net operating income to assets | 0.2791% | 5,244 |
| Return on assets (ROA) | 0.2791% | 5,406 |
| Pretax return on assets | 0.3264% | 5,432 |
| Return on Equity (ROE) | 2.3949% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.3949% | 4,739 |
| Net charge-offs to loans | 0.3503% | 3,904 |
| Credit loss provision to net charge-offs | 95.3488% | 4,550 |
| Earnings coverage of net charge-offs (x) | 4.1629% | 3,169 |
| Efficiency ratio | 87.7816% | 1,469 |
| Assets per employee ($millions) | 3.0819% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9227% | 2,419 |
| Loan loss allowance to noncurrent loans | 16.4927% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 3.7562% | 1,895 |
| Noncurrent loans to loans | 11.6580% | 312 |
| Net loans and leases to total assets | 30.7656% | 7,446 |
| Net loans and leases to deposits | 35.6418% | 7,481 |
| Net loans and leases to core deposits | 36.3008% | 7,498 |
| Total domestic deposits to total assets | 86.3188% | 2,902 |
| Equity capital to assets | 12.8872% | 1,635 |
| Core capital (leverage) ratio | 12.3021% | 1,507 |
| Tier 1 risk-based capital ratio | 31.4632% | 452 |
| Total risk-based capital ratio | 32.7148% | 445 |
| Memoranda: | ||
| Average total assets | $56,373,250 | 6,408 |
| Average earning assets | $53,149,250 | 6,325 |
| Average equity | $6,569,500 | 6,253 |
| Average total loans | $16,366,500 | 7,196 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 7,471 |
| Cost of funding earning assets | 0.6619% | 7,273 |
| Net interest margin | 3.1770% | 6,385 |
| Noninterest income to average assets | 0.4610% | 4,426 |
| Noninterest expense to average assets | 2.9740% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4125% | 4,698 |
| Return on assets (ROA) | 0.4125% | 4,852 |
| Pretax return on assets | 0.4818% | 4,958 |
| Return on Equity (ROE) | 3.6567% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.6567% | 3,771 |
| Net charge-offs to loans | 0.3182% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.3462% | 2,690 |
| Efficiency ratio | 86.0582% | 1,702 |
| Assets per employee ($millions) | 3.1460% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 2,757 |
| Loan loss allowance to noncurrent loans | 18.7179% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 3.0141% | 2,360 |
| Noncurrent loans to loans | 9.5489% | 482 |
| Net loans and leases to total assets | 30.0007% | 7,536 |
| Net loans and leases to deposits | 34.5195% | 7,568 |
| Net loans and leases to core deposits | 35.1386% | 7,580 |
| Total domestic deposits to total assets | 86.9096% | 2,578 |
| Equity capital to assets | 12.5033% | 1,799 |
| Core capital (leverage) ratio | 12.1434% | 1,567 |
| Tier 1 risk-based capital ratio | 28.5201% | 594 |
| Total risk-based capital ratio | 29.7683% | 580 |
| Memoranda: | ||
| Average total assets | $57,700,000 | 6,402 |
| Average earning assets | $54,391,000 | 6,308 |
| Average equity | $6,508,670 | 6,293 |
| Average total loans | $16,343,670 | 7,250 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 7,595 |
| Cost of funding earning assets | 0.6461% | 7,453 |
| Net interest margin | 3.1382% | 6,496 |
| Noninterest income to average assets | 0.4280% | 4,677 |
| Noninterest expense to average assets | 2.8624% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4347% | 4,689 |
| Return on assets (ROA) | 0.4347% | 4,822 |
| Pretax return on assets | 0.5217% | 4,886 |
| Return on Equity (ROE) | 4.0502% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.0502% | 3,724 |
| Net charge-offs to loans | -0.2447% | 7,707 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5850% | 1,970 |
| Assets per employee ($millions) | 3.1604% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0015% | 2,187 |
| Loan loss allowance to noncurrent loans | 18.8831% | 7,068 |
| Noncurrent assets plus other real estate owned to assets | 3.3299% | 2,142 |
| Noncurrent loans to loans | 10.5992% | 385 |
| Net loans and leases to total assets | 29.8924% | 7,626 |
| Net loans and leases to deposits | 34.1528% | 7,659 |
| Net loans and leases to core deposits | 34.7574% | 7,673 |
| Total domestic deposits to total assets | 87.5256% | 2,345 |
| Equity capital to assets | 12.1096% | 1,981 |
| Core capital (leverage) ratio | 11.5488% | 1,884 |
| Tier 1 risk-based capital ratio | 28.6767% | 592 |
| Total risk-based capital ratio | 29.9290% | 583 |
| Memoranda: | ||
| Average total assets | $59,809,000 | 6,393 |
| Average earning assets | $56,337,500 | 6,307 |
| Average equity | $6,419,500 | 6,376 |
| Average total loans | $16,347,000 | 7,342 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 7,527 |
| Cost of funding earning assets | 0.7421% | 7,630 |
| Net interest margin | 3.6020% | 4,546 |
| Noninterest income to average assets | 0.5300% | 4,180 |
| Noninterest expense to average assets | 3.0524% | 3,938 |
| Loan and lease loss provision to assets | 0.1560% | 6,114 |
| Net operating income to assets | 0.5584% | 3,488 |
| Return on assets (ROA) | 0.5584% | 3,575 |
| Pretax return on assets | 0.7285% | 3,476 |
| Return on Equity (ROE) | 5.0442% | 3,650 |
| Retained earnings to average equity (ytd only) | 5.0442% | 1,798 |
| Net charge-offs to loans | 1.0431% | 2,323 |
| Credit loss provision to net charge-offs | 51.7647% | 6,723 |
| Earnings coverage of net charge-offs (x) | 2.9353% | 3,619 |
| Efficiency ratio | 77.5326% | 3,263 |
| Assets per employee ($millions) | 4.1183% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 2,145 |
| Loan loss allowance to noncurrent loans | 24.6512% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 2.0367% | 3,353 |
| Noncurrent loans to loans | 7.9112% | 643 |
| Net loans and leases to total assets | 24.2639% | 7,802 |
| Net loans and leases to deposits | 26.8941% | 7,855 |
| Net loans and leases to core deposits | 28.8655% | 7,872 |
| Total domestic deposits to total assets | 90.2204% | 870 |
| Equity capital to assets | 9.6112% | 4,259 |
| Core capital (leverage) ratio | 12.2638% | 1,549 |
| Tier 1 risk-based capital ratio | 25.6294% | 790 |
| Total risk-based capital ratio | 26.9043% | 779 |
| Memoranda: | ||
| Average total assets | $56,414,000 | 6,475 |
| Average earning assets | $53,359,600 | 6,403 |
| Average equity | $6,244,800 | 6,516 |
| Average total loans | $16,297,600 | 7,392 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 7,398 |
| Cost of funding earning assets | 0.7994% | 7,692 |
| Net interest margin | 3.8172% | 3,583 |
| Noninterest income to average assets | 0.6168% | 3,571 |
| Noninterest expense to average assets | 3.2072% | 3,280 |
| Loan and lease loss provision to assets | 0.2171% | 5,244 |
| Net operating income to assets | 0.6316% | 3,489 |
| Return on assets (ROA) | 0.6316% | 3,557 |
| Pretax return on assets | 0.8092% | 3,510 |
| Return on Equity (ROE) | 5.4850% | 3,746 |
| Retained earnings to average equity (ytd only) | 5.4850% | 2,211 |
| Net charge-offs to loans | 0.3764% | 3,767 |
| Credit loss provision to net charge-offs | 191.3043% | 2,370 |
| Earnings coverage of net charge-offs (x) | 9.0437% | 2,158 |
| Efficiency ratio | 75.7576% | 3,554 |
| Assets per employee ($millions) | 3.1457% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6034% | 962 |
| Loan loss allowance to noncurrent loans | 36.3487% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 2.5054% | 2,767 |
| Noncurrent loans to loans | 7.1622% | 744 |
| Net loans and leases to total assets | 32.8545% | 7,721 |
| Net loans and leases to deposits | 37.8988% | 7,782 |
| Net loans and leases to core deposits | 41.7628% | 7,831 |
| Total domestic deposits to total assets | 86.6901% | 2,334 |
| Equity capital to assets | 12.7079% | 1,827 |
| Core capital (leverage) ratio | 12.4926% | 1,584 |
| Tier 1 risk-based capital ratio | 28.4802% | 657 |
| Total risk-based capital ratio | 29.7392% | 637 |
| Memoranda: | ||
| Average total assets | $54,044,500 | 6,606 |
| Average earning assets | $51,206,000 | 6,530 |
| Average equity | $6,222,750 | 6,584 |
| Average total loans | $16,295,500 | 7,457 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 7,620 |
| Cost of funding earning assets | 0.8234% | 7,792 |
| Net interest margin | 3.6882% | 4,005 |
| Noninterest income to average assets | 0.6693% | 3,198 |
| Noninterest expense to average assets | 3.0389% | 3,923 |
| Loan and lease loss provision to assets | 0.3184% | 4,037 |
| Net operating income to assets | 0.6367% | 3,522 |
| Return on assets (ROA) | 0.6367% | 3,629 |
| Pretax return on assets | 0.7959% | 3,686 |
| Return on Equity (ROE) | 5.7097% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.7097% | 2,154 |
| Net charge-offs to loans | 0.5228% | 2,756 |
| Credit loss provision to net charge-offs | 209.5238% | 2,185 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,457 |
| Efficiency ratio | 73.1707% | 4,161 |
| Assets per employee ($millions) | 3.3929% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7973% | 681 |
| Loan loss allowance to noncurrent loans | 38.3491% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 2.3736% | 2,733 |
| Noncurrent loans to loans | 7.2943% | 651 |
| Net loans and leases to total assets | 30.4521% | 7,874 |
| Net loans and leases to deposits | 34.7980% | 7,921 |
| Net loans and leases to core deposits | 38.0749% | 7,953 |
| Total domestic deposits to total assets | 87.5111% | 2,013 |
| Equity capital to assets | 12.0567% | 2,170 |
| Core capital (leverage) ratio | 12.0164% | 1,822 |
| Tier 1 risk-based capital ratio | 29.0594% | 662 |
| Total risk-based capital ratio | 30.2816% | 644 |
| Memoranda: | ||
| Average total assets | $55,282,330 | 6,626 |
| Average earning assets | $52,220,670 | 6,543 |
| Average equity | $6,165,000 | 6,661 |
| Average total loans | $16,068,000 | 7,531 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 7,798 |
| Cost of funding earning assets | 0.8586% | 7,855 |
| Net interest margin | 3.5373% | 4,578 |
| Noninterest income to average assets | 0.9117% | 1,805 |
| Noninterest expense to average assets | 2.8812% | 4,226 |
| Loan and lease loss provision to assets | 0.5080% | 2,442 |
| Net operating income to assets | 0.7586% | 3,304 |
| Return on assets (ROA) | 0.7586% | 3,480 |
| Pretax return on assets | 0.8769% | 3,807 |
| Return on Equity (ROE) | 7.0556% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.0556% | 2,191 |
| Net charge-offs to loans | 0.8679% | 1,504 |
| Credit loss provision to net charge-offs | 208.5714% | 2,146 |
| Earnings coverage of net charge-offs (x) | 5.6857% | 2,628 |
| Efficiency ratio | 67.5367% | 5,046 |
| Assets per employee ($millions) | 3.5361% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7781% | 592 |
| Loan loss allowance to noncurrent loans | 38.7268% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 2.2172% | 2,578 |
| Noncurrent loans to loans | 7.1737% | 549 |
| Net loans and leases to total assets | 28.8984% | 7,941 |
| Net loans and leases to deposits | 32.8779% | 7,997 |
| Net loans and leases to core deposits | 36.0396% | 8,027 |
| Total domestic deposits to total assets | 87.8962% | 1,792 |
| Equity capital to assets | 11.7343% | 2,421 |
| Core capital (leverage) ratio | 11.1697% | 2,366 |
| Tier 1 risk-based capital ratio | 28.8358% | 700 |
| Total risk-based capital ratio | 30.0941% | 683 |
| Memoranda: | ||
| Average total assets | $57,477,000 | 6,559 |
| Average earning assets | $54,504,500 | 6,474 |
| Average equity | $6,179,500 | 6,696 |
| Average total loans | $16,130,000 | 7,572 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 7,590 |
| Cost of funding earning assets | 1.4200% | 7,720 |
| Net interest margin | 3.8869% | 3,633 |
| Noninterest income to average assets | 0.7153% | 3,021 |
| Noninterest expense to average assets | 3.0219% | 4,003 |
| Loan and lease loss provision to assets | 0.3087% | 3,899 |
| Net operating income to assets | 0.7818% | 3,516 |
| Return on assets (ROA) | 0.7818% | 3,358 |
| Pretax return on assets | 1.0627% | 3,173 |
| Return on Equity (ROE) | 7.2152% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.2152% | 1,082 |
| Net charge-offs to loans | 0.4565% | 2,548 |
| Credit loss provision to net charge-offs | 219.7368% | 2,185 |
| Earnings coverage of net charge-offs (x) | 9.7632% | 2,640 |
| Efficiency ratio | 68.7842% | 4,583 |
| Assets per employee ($millions) | 3.6419% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4251% | 744 |
| Loan loss allowance to noncurrent loans | 34.0136% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 2.0044% | 2,457 |
| Noncurrent loans to loans | 7.1299% | 420 |
| Net loans and leases to total assets | 25.9945% | 8,072 |
| Net loans and leases to deposits | 29.0071% | 8,125 |
| Net loans and leases to core deposits | 31.4957% | 8,144 |
| Total domestic deposits to total assets | 89.6145% | 801 |
| Equity capital to assets | 9.9091% | 4,147 |
| Core capital (leverage) ratio | 11.8295% | 2,066 |
| Tier 1 risk-based capital ratio | 25.5121% | 947 |
| Total risk-based capital ratio | 26.7671% | 924 |
| Memoranda: | ||
| Average total assets | $54,105,200 | 6,617 |
| Average earning assets | $51,197,400 | 6,542 |
| Average equity | $5,862,600 | 6,852 |
| Average total loans | $16,649,600 | 7,544 |