Home > Martinsville First Savings Bank > Performance and Condition Ratios
Martinsville First Savings 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 | 4.9191% | 2,233 |
| Cost of funding earning assets | 0.8156% | 3,691 |
| Net interest margin | 4.1036% | 1,070 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.5834% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4878% | 1,040 |
| Return on assets (ROA) | 1.4878% | 1,008 |
| Pretax return on assets | 2.0266% | 644 |
| Return on Equity (ROE) | 7.6000% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.6015% | 1,670 |
| Net charge-offs to loans | -0.1341% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.3896% | 3,561 |
| Assets per employee ($millions) | 4.6229% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 3,887 |
| Loan loss allowance to noncurrent loans | 37.6437% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.0754% | 436 |
| Noncurrent loans to loans | 2.2101% | 237 |
| Net loans and leases to total assets | 48.2500% | 3,715 |
| Net loans and leases to deposits | 61.2521% | 3,455 |
| Net loans and leases to core deposits | 67.6003% | 3,423 |
| Total domestic deposits to total assets | 78.7800% | 3,639 |
| Equity capital to assets | 21.0074% | 264 |
| Core capital (leverage) ratio | 19.1763% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4773% | 130 |
| Memoranda: | ||
| Average total assets | $33,405,600 | 4,444 |
| Average earning assets | $31,021,800 | 4,411 |
| Average equity | $6,538,200 | 4,110 |
| Average total loans | $15,656,200 | 4,341 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 2,331 |
| Cost of funding earning assets | 0.7252% | 3,709 |
| Net interest margin | 4.0442% | 1,157 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 2.4593% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7227% | 766 |
| Return on assets (ROA) | 1.7227% | 755 |
| Pretax return on assets | 2.3484% | 451 |
| Return on Equity (ROE) | 8.9600% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.9597% | 1,699 |
| Net charge-offs to loans | -0.1279% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.5766% | 3,870 |
| Assets per employee ($millions) | 5.3487% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 4,025 |
| Loan loss allowance to noncurrent loans | 38.6997% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 514 |
| Noncurrent loans to loans | 2.0063% | 305 |
| Net loans and leases to total assets | 49.7800% | 3,630 |
| Net loans and leases to deposits | 62.7194% | 3,354 |
| Net loans and leases to core deposits | 67.3241% | 3,361 |
| Total domestic deposits to total assets | 79.3600% | 3,628 |
| Equity capital to assets | 20.5036% | 272 |
| Core capital (leverage) ratio | 18.7078% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5242% | 136 |
| Memoranda: | ||
| Average total assets | $33,667,000 | 4,464 |
| Average earning assets | $31,254,000 | 4,434 |
| Average equity | $6,473,250 | 4,112 |
| Average total loans | $15,633,750 | 4,363 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 2,389 |
| Cost of funding earning assets | 0.6745% | 3,556 |
| Net interest margin | 3.9399% | 1,350 |
| Noninterest income to average assets | 1.5400% | 316 |
| Noninterest expense to average assets | 2.4977% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9829% | 481 |
| Return on assets (ROA) | 1.9829% | 479 |
| Pretax return on assets | 2.7024% | 285 |
| Return on Equity (ROE) | 10.5300% | 2,548 |
| Retained earnings to average equity (ytd only) | 10.5318% | 1,271 |
| Net charge-offs to loans | -0.1163% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.4691% | 4,096 |
| Assets per employee ($millions) | 5.5172% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 4,115 |
| Loan loss allowance to noncurrent loans | 38.7622% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 526 |
| Noncurrent loans to loans | 1.9192% | 302 |
| Net loans and leases to total assets | 47.9600% | 3,693 |
| Net loans and leases to deposits | 59.9902% | 3,417 |
| Net loans and leases to core deposits | 64.2144% | 3,438 |
| Total domestic deposits to total assets | 79.9500% | 3,583 |
| Equity capital to assets | 19.8139% | 287 |
| Core capital (leverage) ratio | 17.8783% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8198% | 142 |
| Memoranda: | ||
| Average total assets | $34,192,000 | 4,487 |
| Average earning assets | $31,726,667 | 4,455 |
| Average equity | $6,437,667 | 4,147 |
| Average total loans | $15,478,667 | 4,386 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 2,934 |
| Cost of funding earning assets | 0.5838% | 3,427 |
| Net interest margin | 3.6642% | 1,988 |
| Noninterest income to average assets | 2.1000% | 219 |
| Noninterest expense to average assets | 2.5334% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1764% | 387 |
| Return on assets (ROA) | 2.1764% | 380 |
| Pretax return on assets | 2.9594% | 205 |
| Return on Equity (ROE) | 11.8600% | 2,251 |
| Retained earnings to average equity (ytd only) | 11.8551% | 1,296 |
| Net charge-offs to loans | -0.1051% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.4927% | 4,248 |
| Assets per employee ($millions) | 4.9154% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 4,153 |
| Loan loss allowance to noncurrent loans | 24.5690% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 218 |
| Noncurrent loans to loans | 3.1110% | 141 |
| Net loans and leases to total assets | 43.0200% | 3,906 |
| Net loans and leases to deposits | 53.0920% | 3,731 |
| Net loans and leases to core deposits | 56.6264% | 3,710 |
| Total domestic deposits to total assets | 81.0200% | 3,634 |
| Equity capital to assets | 18.8590% | 269 |
| Core capital (leverage) ratio | 16.9091% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.3516% | 127 |
| Memoranda: | ||
| Average total assets | $34,736,500 | 4,546 |
| Average earning assets | $32,203,500 | 4,516 |
| Average equity | $6,377,000 | 4,207 |
| Average total loans | $15,220,000 | 4,450 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1277% | 3,949 |
| Cost of funding earning assets | 0.4574% | 1,666 |
| Net interest margin | 2.6702% | 4,090 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.3805% | 2,476 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.4941% | 4,096 |
| Return on assets (ROA) | 0.4941% | 4,057 |
| Pretax return on assets | 0.6606% | 3,925 |
| Return on Equity (ROE) | 2.8900% | 4,304 |
| Retained earnings to average equity (ytd only) | 2.8899% | 3,753 |
| Net charge-offs to loans | 1.8906% | 33 |
| Credit loss provision to net charge-offs | 23.2975% | 1,924 |
| Earnings coverage of net charge-offs (x) | 1.1004% | 2,547 |
| Efficiency ratio | 73.0280% | 1,320 |
| Assets per employee ($millions) | 5.8442% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 4,202 |
| Loan loss allowance to noncurrent loans | 17.0543% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.3214% | 95 |
| Noncurrent loans to loans | 4.1546% | 84 |
| Net loans and leases to total assets | 43.9600% | 3,897 |
| Net loans and leases to deposits | 53.5950% | 3,699 |
| Net loans and leases to core deposits | 57.0440% | 3,672 |
| Total domestic deposits to total assets | 82.0200% | 3,626 |
| Equity capital to assets | 17.8668% | 299 |
| Core capital (leverage) ratio | 15.8122% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $36,631,200 | 4,558 |
| Average earning assets | $33,667,400 | 4,533 |
| Average equity | $6,263,200 | 4,301 |
| Average total loans | $14,757,000 | 4,487 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8520% | 4,123 |
| Cost of funding earning assets | 0.4590% | 944 |
| Net interest margin | 2.3930% | 4,333 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 2.3589% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5510% | 3,970 |
| Return on assets (ROA) | 0.5510% | 3,908 |
| Pretax return on assets | 0.7455% | 3,706 |
| Return on Equity (ROE) | 3.2600% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.2573% | 3,711 |
| Net charge-offs to loans | 1.7393% | 31 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1.0895% | 2,280 |
| Efficiency ratio | 75.0580% | 1,170 |
| Assets per employee ($millions) | 6.1267% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,615 |
| Loan loss allowance to noncurrent loans | 11.2890% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 3.3270% | 36 |
| Noncurrent loans to loans | 8.5958% | 22 |
| Net loans and leases to total assets | 37.2000% | 4,175 |
| Net loans and leases to deposits | 45.0161% | 4,067 |
| Net loans and leases to core deposits | 47.7996% | 4,038 |
| Total domestic deposits to total assets | 82.6400% | 3,736 |
| Equity capital to assets | 16.9233% | 327 |
| Core capital (leverage) ratio | 15.4236% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $37,022,750 | 4,591 |
| Average earning assets | $33,986,750 | 4,568 |
| Average equity | $6,262,750 | 4,340 |
| Average total loans | $14,565,000 | 4,525 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5393% | 4,338 |
| Cost of funding earning assets | 0.4702% | 623 |
| Net interest margin | 2.0690% | 4,523 |
| Noninterest income to average assets | 1.3258% | 402 |
| Noninterest expense to average assets | 2.3228% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6575% | 3,451 |
| Return on assets (ROA) | 0.6575% | 3,399 |
| Pretax return on assets | 0.9000% | 3,064 |
| Return on Equity (ROE) | 3.8874% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.8874% | 3,124 |
| Net charge-offs to loans | 2.3756% | 23 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.9489% | 2,084 |
| Efficiency ratio | 71.0702% | 1,819 |
| Assets per employee ($millions) | 6.0893% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,486 |
| Loan loss allowance to noncurrent loans | 9.5484% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 4.6721% | 21 |
| Noncurrent loans to loans | 10.7445% | 12 |
| Net loans and leases to total assets | 39.0793% | 4,119 |
| Net loans and leases to deposits | 47.5537% | 3,944 |
| Net loans and leases to core deposits | 50.5273% | 3,908 |
| Total domestic deposits to total assets | 82.1792% | 3,981 |
| Equity capital to assets | 17.3664% | 257 |
| Core capital (leverage) ratio | 15.3920% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,110,333 | 4,631 |
| Average earning assets | $34,025,333 | 4,622 |
| Average equity | $6,276,667 | 4,388 |
| Average total loans | $14,817,000 | 4,583 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2356% | 4,511 |
| Cost of funding earning assets | 0.4774% | 558 |
| Net interest margin | 1.7582% | 4,628 |
| Noninterest income to average assets | 0.0214% | 4,717 |
| Noninterest expense to average assets | 2.2568% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4492% | 4,697 |
| Return on assets (ROA) | -0.4492% | 4,686 |
| Pretax return on assets | -0.6204% | 4,694 |
| Return on Equity (ROE) | -2.6912% | 4,654 |
| Retained earnings to average equity (ytd only) | -2.6912% | 4,291 |
| Net charge-offs to loans | 4.8493% | 10 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -0.3187% | 1,788 |
| Efficiency ratio | 135.9477% | 62 |
| Assets per employee ($millions) | 6.2158% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,843 |
| Loan loss allowance to noncurrent loans | 9.8680% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 4.3706% | 29 |
| Noncurrent loans to loans | 9.8205% | 18 |
| Net loans and leases to total assets | 38.9087% | 4,074 |
| Net loans and leases to deposits | 46.9065% | 3,931 |
| Net loans and leases to core deposits | 49.7668% | 3,889 |
| Total domestic deposits to total assets | 82.9495% | 3,946 |
| Equity capital to assets | 16.6805% | 284 |
| Core capital (leverage) ratio | 14.5546% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,397,500 | 4,652 |
| Average earning assets | $34,353,000 | 4,647 |
| Average equity | $6,242,500 | 4,446 |
| Average total loans | $15,012,500 | 4,596 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1392% | 4,640 |
| Cost of funding earning assets | 0.5233% | 827 |
| Net interest margin | 1.6159% | 4,707 |
| Noninterest income to average assets | 0.0342% | 4,747 |
| Noninterest expense to average assets | 2.4070% | 2,471 |
| Loan and lease loss provision to assets | 0.0026% | 3,023 |
| Net operating income to assets | -0.7489% | 4,779 |
| Return on assets (ROA) | -0.7489% | 4,782 |
| Pretax return on assets | -0.8987% | 4,784 |
| Return on Equity (ROE) | -4.4711% | 4,772 |
| Retained earnings to average equity (ytd only) | -4.4711% | 4,698 |
| Net charge-offs to loans | 0.0120% | 2,117 |
| Credit loss provision to net charge-offs | 50.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | -170.5000% | 2,700 |
| Efficiency ratio | 157.5652% | 30 |
| Assets per employee ($millions) | 7.5000% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1077% | 513 |
| Loan loss allowance to noncurrent loans | 19.9877% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 4.8320% | 29 |
| Noncurrent loans to loans | 10.5451% | 17 |
| Net loans and leases to total assets | 40.1280% | 4,085 |
| Net loans and leases to deposits | 48.4108% | 3,972 |
| Net loans and leases to core deposits | 51.2744% | 3,946 |
| Total domestic deposits to total assets | 82.8907% | 3,835 |
| Equity capital to assets | 16.7040% | 313 |
| Core capital (leverage) ratio | 14.5834% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,056,200 | 4,680 |
| Average earning assets | $34,778,600 | 4,672 |
| Average equity | $6,374,200 | 4,491 |
| Average total loans | $16,725,800 | 4,621 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1075% | 4,741 |
| Cost of funding earning assets | 0.5164% | 970 |
| Net interest margin | 1.5911% | 4,790 |
| Noninterest income to average assets | 0.0349% | 4,825 |
| Noninterest expense to average assets | 2.3248% | 2,674 |
| Loan and lease loss provision to assets | 0.0026% | 2,916 |
| Net operating income to assets | -0.7261% | 4,846 |
| Return on assets (ROA) | -0.7261% | 4,850 |
| Pretax return on assets | -0.8413% | 4,852 |
| Return on Equity (ROE) | -4.3320% | 4,835 |
| Retained earnings to average equity (ytd only) | -4.3320% | 4,773 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.6948% | 33 |
| Assets per employee ($millions) | 9.3765% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0822% | 558 |
| Loan loss allowance to noncurrent loans | 25.7296% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 3.9807% | 47 |
| Noncurrent loans to loans | 8.0925% | 27 |
| Net loans and leases to total assets | 42.0039% | 4,092 |
| Net loans and leases to deposits | 50.6023% | 3,977 |
| Net loans and leases to core deposits | 53.6197% | 3,939 |
| Total domestic deposits to total assets | 83.0081% | 3,706 |
| Equity capital to assets | 16.9066% | 340 |
| Core capital (leverage) ratio | 14.7369% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,195,250 | 4,751 |
| Average earning assets | $34,858,750 | 4,739 |
| Average equity | $6,401,750 | 4,554 |
| Average total loans | $17,064,250 | 4,683 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8562% | 4,831 |
| Cost of funding earning assets | 0.5733% | 849 |
| Net interest margin | 1.2829% | 4,870 |
| Noninterest income to average assets | 0.0885% | 4,736 |
| Noninterest expense to average assets | 2.4515% | 2,303 |
| Loan and lease loss provision to assets | 0.5569% | 86 |
| Net operating income to assets | -1.2492% | 4,906 |
| Return on assets (ROA) | -1.2492% | 4,906 |
| Pretax return on assets | -1.7437% | 4,916 |
| Return on Equity (ROE) | -7.4743% | 4,896 |
| Retained earnings to average equity (ytd only) | -7.4743% | 4,835 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.8272% | 24 |
| Assets per employee ($millions) | 7.6178% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6589% | 4,593 |
| Loan loss allowance to noncurrent loans | 7.9732% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 4.9726% | 33 |
| Noncurrent loans to loans | 8.2646% | 26 |
| Net loans and leases to total assets | 42.3508% | 4,156 |
| Net loans and leases to deposits | 50.7807% | 4,062 |
| Net loans and leases to core deposits | 53.0695% | 4,077 |
| Total domestic deposits to total assets | 83.3994% | 3,608 |
| Equity capital to assets | 16.5192% | 372 |
| Core capital (leverage) ratio | 14.2023% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,425,000 | 4,779 |
| Average earning assets | $35,234,000 | 4,765 |
| Average equity | $6,422,000 | 4,578 |
| Average total loans | $17,389,333 | 4,707 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0096% | 4,943 |
| Cost of funding earning assets | 0.3029% | 2,960 |
| Net interest margin | 0.7067% | 4,948 |
| Noninterest income to average assets | 0.0518% | 4,847 |
| Noninterest expense to average assets | 1.6272% | 4,495 |
| Loan and lease loss provision to assets | 1.3059% | 28 |
| Net operating income to assets | -1.6272% | 4,949 |
| Return on assets (ROA) | -1.6272% | 4,948 |
| Pretax return on assets | -2.2284% | 4,955 |
| Return on Equity (ROE) | -9.6809% | 4,933 |
| Retained earnings to average equity (ytd only) | -9.6809% | 4,810 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 230.8824% | 15 |
| Assets per employee ($millions) | 7.6576% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 4,536 |
| Loan loss allowance to noncurrent loans | 9.1304% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 5.0460% | 37 |
| Noncurrent loans to loans | 7.9247% | 34 |
| Net loans and leases to total assets | 45.1525% | 4,028 |
| Net loans and leases to deposits | 54.2284% | 3,923 |
| Net loans and leases to core deposits | 56.4156% | 3,946 |
| Total domestic deposits to total assets | 83.2637% | 3,625 |
| Equity capital to assets | 16.6815% | 338 |
| Core capital (leverage) ratio | 14.8968% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,593,000 | 4,799 |
| Average earning assets | $35,657,500 | 4,781 |
| Average equity | $6,487,000 | 4,587 |
| Average total loans | $17,965,000 | 4,728 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3083% | 4,323 |
| Cost of funding earning assets | 1.1900% | 289 |
| Net interest margin | 2.1183% | 4,796 |
| Noninterest income to average assets | 0.1782% | 4,394 |
| Noninterest expense to average assets | 2.7648% | 2,032 |
| Loan and lease loss provision to assets | 0.0127% | 4,213 |
| Net operating income to assets | -0.5241% | 4,885 |
| Return on assets (ROA) | -0.3488% | 4,868 |
| Pretax return on assets | -0.4277% | 4,866 |
| Return on Equity (ROE) | -2.0375% | 4,849 |
| Retained earnings to average equity (ytd only) | -2.0375% | 4,708 |
| Net charge-offs to loans | 0.1087% | 1,385 |
| Credit loss provision to net charge-offs | 23.8095% | 3,234 |
| Earnings coverage of net charge-offs (x) | -11.7619% | 3,407 |
| Efficiency ratio | 129.4398% | 57 |
| Assets per employee ($millions) | 7.7796% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,626 |
| Loan loss allowance to noncurrent loans | 11.0488% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 6.1468% | 30 |
| Noncurrent loans to loans | 9.6295% | 23 |
| Net loans and leases to total assets | 47.0950% | 4,044 |
| Net loans and leases to deposits | 56.7292% | 3,956 |
| Net loans and leases to core deposits | 58.9813% | 4,001 |
| Total domestic deposits to total assets | 83.0171% | 3,407 |
| Equity capital to assets | 16.9340% | 345 |
| Core capital (leverage) ratio | 16.8549% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,279,800 | 4,782 |
| Average earning assets | $36,303,000 | 4,765 |
| Average equity | $6,723,800 | 4,559 |
| Average total loans | $19,320,000 | 4,731 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3777% | 4,378 |
| Cost of funding earning assets | 1.2396% | 314 |
| Net interest margin | 2.1381% | 4,840 |
| Noninterest income to average assets | 0.1524% | 4,532 |
| Noninterest expense to average assets | 2.6344% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.4620% | 4,894 |
| Return on assets (ROA) | -0.2032% | 4,849 |
| Pretax return on assets | -0.2235% | 4,844 |
| Return on Equity (ROE) | -1.1838% | 4,839 |
| Retained earnings to average equity (ytd only) | -1.1838% | 4,632 |
| Net charge-offs to loans | 0.1434% | 1,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -7.1429% | 3,195 |
| Efficiency ratio | 123.8854% | 68 |
| Assets per employee ($millions) | 7.8880% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 3,628 |
| Loan loss allowance to noncurrent loans | 12.2605% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 5.8595% | 42 |
| Noncurrent loans to loans | 8.3006% | 38 |
| Net loans and leases to total assets | 47.3479% | 4,251 |
| Net loans and leases to deposits | 57.1245% | 4,207 |
| Net loans and leases to core deposits | 59.8814% | 4,211 |
| Total domestic deposits to total assets | 82.8854% | 3,172 |
| Equity capital to assets | 16.9168% | 385 |
| Core capital (leverage) ratio | 16.7889% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,375,250 | 4,804 |
| Average earning assets | $36,355,500 | 4,789 |
| Average equity | $6,758,000 | 4,576 |
| Average total loans | $19,521,000 | 4,760 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5188% | 4,388 |
| Cost of funding earning assets | 1.3002% | 361 |
| Net interest margin | 2.2186% | 4,872 |
| Noninterest income to average assets | 0.2490% | 3,980 |
| Noninterest expense to average assets | 2.2361% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0134% | 4,770 |
| Return on assets (ROA) | 0.3507% | 4,386 |
| Pretax return on assets | 0.4777% | 4,284 |
| Return on Equity (ROE) | 2.0334% | 4,526 |
| Retained earnings to average equity (ytd only) | 2.0334% | 3,739 |
| Net charge-offs to loans | 0.0101% | 2,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,182 |
| Efficiency ratio | 97.7778% | 211 |
| Assets per employee ($millions) | 7.9456% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,058 |
| Loan loss allowance to noncurrent loans | 13.4603% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 6.1116% | 40 |
| Noncurrent loans to loans | 8.1750% | 40 |
| Net loans and leases to total assets | 47.9611% | 4,258 |
| Net loans and leases to deposits | 57.9642% | 4,227 |
| Net loans and leases to core deposits | 60.7357% | 4,227 |
| Total domestic deposits to total assets | 82.7427% | 3,167 |
| Equity capital to assets | 17.1491% | 366 |
| Core capital (leverage) ratio | 17.0649% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,353,667 | 4,830 |
| Average earning assets | $36,149,000 | 4,817 |
| Average equity | $6,786,667 | 4,593 |
| Average total loans | $19,739,333 | 4,778 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 4,173 |
| Cost of funding earning assets | 1.3622% | 468 |
| Net interest margin | 2.4676% | 4,841 |
| Noninterest income to average assets | 0.3472% | 3,435 |
| Noninterest expense to average assets | 2.3285% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2043% | 4,521 |
| Return on assets (ROA) | 0.2043% | 4,530 |
| Pretax return on assets | 0.2757% | 4,484 |
| Return on Equity (ROE) | 1.1811% | 4,604 |
| Retained earnings to average equity (ytd only) | 1.1811% | 3,697 |
| Net charge-offs to loans | 0.0200% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,241 |
| Efficiency ratio | 89.4118% | 515 |
| Assets per employee ($millions) | 7.8922% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 3,341 |
| Loan loss allowance to noncurrent loans | 14.4710% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 5.8716% | 48 |
| Noncurrent loans to loans | 7.4170% | 54 |
| Net loans and leases to total assets | 49.5172% | 4,262 |
| Net loans and leases to deposits | 59.9037% | 4,201 |
| Net loans and leases to core deposits | 62.7811% | 4,247 |
| Total domestic deposits to total assets | 82.6614% | 3,218 |
| Equity capital to assets | 17.2829% | 410 |
| Core capital (leverage) ratio | 17.1466% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,166,500 | 4,865 |
| Average earning assets | $35,824,500 | 4,855 |
| Average equity | $6,773,500 | 4,627 |
| Average total loans | $19,976,000 | 4,804 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 3,861 |
| Cost of funding earning assets | 1.2711% | 839 |
| Net interest margin | 2.9058% | 4,649 |
| Noninterest income to average assets | 0.2133% | 4,390 |
| Noninterest expense to average assets | 2.5010% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3804% | 4,630 |
| Return on assets (ROA) | 0.3804% | 4,658 |
| Pretax return on assets | 0.4035% | 4,704 |
| Return on Equity (ROE) | 2.2320% | 4,775 |
| Retained earnings to average equity (ytd only) | 2.2320% | 3,896 |
| Net charge-offs to loans | 0.3255% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2.3088% | 3,432 |
| Efficiency ratio | 86.1062% | 533 |
| Assets per employee ($millions) | 7.7744% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,195 |
| Loan loss allowance to noncurrent loans | 13.9125% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 6.5317% | 31 |
| Noncurrent loans to loans | 7.5792% | 40 |
| Net loans and leases to total assets | 51.4175% | 4,262 |
| Net loans and leases to deposits | 62.1970% | 4,184 |
| Net loans and leases to core deposits | 65.2211% | 4,217 |
| Total domestic deposits to total assets | 82.6688% | 3,313 |
| Equity capital to assets | 17.3055% | 432 |
| Core capital (leverage) ratio | 17.2603% | 391 |
| Tier 1 risk-based capital ratio | 41.3194% | 227 |
| Total risk-based capital ratio | 42.5709% | 222 |
| Memoranda: | ||
| Average total assets | $38,905,000 | 4,911 |
| Average earning assets | $36,031,200 | 4,894 |
| Average equity | $6,630,800 | 4,679 |
| Average total loans | $20,892,600 | 4,842 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 3,721 |
| Cost of funding earning assets | 1.2284% | 951 |
| Net interest margin | 3.0506% | 4,556 |
| Noninterest income to average assets | 0.2090% | 4,471 |
| Noninterest expense to average assets | 2.2991% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6578% | 4,140 |
| Return on assets (ROA) | 0.6578% | 4,191 |
| Pretax return on assets | 0.7435% | 4,253 |
| Return on Equity (ROE) | 3.8747% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.8747% | 3,465 |
| Net charge-offs to loans | 0.3101% | 563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 4.4287% | 3,011 |
| Efficiency ratio | 75.5631% | 1,381 |
| Assets per employee ($millions) | 7.8048% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 2,931 |
| Loan loss allowance to noncurrent loans | 20.1389% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 5.1840% | 71 |
| Noncurrent loans to loans | 5.5644% | 84 |
| Net loans and leases to total assets | 52.4575% | 4,286 |
| Net loans and leases to deposits | 63.5943% | 4,202 |
| Net loans and leases to core deposits | 66.6960% | 4,236 |
| Total domestic deposits to total assets | 82.4877% | 3,322 |
| Equity capital to assets | 17.3560% | 457 |
| Core capital (leverage) ratio | 17.4835% | 392 |
| Tier 1 risk-based capital ratio | 41.8357% | 217 |
| Total risk-based capital ratio | 43.0884% | 211 |
| Memoranda: | ||
| Average total assets | $38,913,250 | 4,986 |
| Average earning assets | $36,144,750 | 4,965 |
| Average equity | $6,606,750 | 4,740 |
| Average total loans | $21,065,750 | 4,908 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 3,970 |
| Cost of funding earning assets | 1.1832% | 1,036 |
| Net interest margin | 2.9968% | 4,697 |
| Noninterest income to average assets | 0.2006% | 4,550 |
| Noninterest expense to average assets | 2.2790% | 4,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5196% | 4,486 |
| Return on assets (ROA) | 0.5196% | 4,517 |
| Pretax return on assets | 0.7099% | 4,305 |
| Return on Equity (ROE) | 3.0833% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.0833% | 3,676 |
| Net charge-offs to loans | 0.4814% | 331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2.7059% | 2,916 |
| Efficiency ratio | 76.2478% | 1,361 |
| Assets per employee ($millions) | 7.7004% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,032 |
| Loan loss allowance to noncurrent loans | 14.6684% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 6.3217% | 47 |
| Noncurrent loans to loans | 7.5508% | 47 |
| Net loans and leases to total assets | 53.3375% | 4,267 |
| Net loans and leases to deposits | 64.6010% | 4,191 |
| Net loans and leases to core deposits | 67.7845% | 4,219 |
| Total domestic deposits to total assets | 82.5645% | 3,349 |
| Equity capital to assets | 17.3056% | 437 |
| Core capital (leverage) ratio | 17.3136% | 398 |
| Tier 1 risk-based capital ratio | 40.8884% | 224 |
| Total risk-based capital ratio | 42.1418% | 220 |
| Memoranda: | ||
| Average total assets | $38,876,330 | 5,026 |
| Average earning assets | $36,172,330 | 5,006 |
| Average equity | $6,551,330 | 4,779 |
| Average total loans | $21,186,670 | 4,950 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 3,925 |
| Cost of funding earning assets | 1.1303% | 1,092 |
| Net interest margin | 3.0508% | 4,670 |
| Noninterest income to average assets | 0.1741% | 4,697 |
| Noninterest expense to average assets | 2.3244% | 3,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5120% | 4,487 |
| Return on assets (ROA) | 0.5120% | 4,510 |
| Pretax return on assets | 0.6963% | 4,312 |
| Return on Equity (ROE) | 3.0791% | 4,770 |
| Retained earnings to average equity (ytd only) | 3.0791% | 3,704 |
| Net charge-offs to loans | 0.8786% | 162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.4468% | 2,599 |
| Efficiency ratio | 76.9492% | 1,383 |
| Assets per employee ($millions) | 7.6986% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,064 |
| Loan loss allowance to noncurrent loans | 14.0120% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 6.5207% | 40 |
| Noncurrent loans to loans | 7.9263% | 46 |
| Net loans and leases to total assets | 54.1267% | 4,202 |
| Net loans and leases to deposits | 65.2787% | 4,107 |
| Net loans and leases to core deposits | 68.4709% | 4,154 |
| Total domestic deposits to total assets | 82.9164% | 3,411 |
| Equity capital to assets | 17.0083% | 447 |
| Core capital (leverage) ratio | 16.9498% | 427 |
| Tier 1 risk-based capital ratio | 40.1654% | 235 |
| Total risk-based capital ratio | 41.4183% | 232 |
| Memoranda: | ||
| Average total assets | $39,063,500 | 5,076 |
| Average earning assets | $36,450,000 | 5,048 |
| Average equity | $6,495,500 | 4,818 |
| Average total loans | $21,397,000 | 5,007 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,866 |
| Cost of funding earning assets | 0.9970% | 763 |
| Net interest margin | 3.0647% | 4,708 |
| Noninterest income to average assets | 0.1852% | 4,802 |
| Noninterest expense to average assets | 2.3553% | 3,982 |
| Loan and lease loss provision to assets | 0.1852% | 1,047 |
| Net operating income to assets | 0.2419% | 5,068 |
| Return on assets (ROA) | 0.2419% | 5,065 |
| Pretax return on assets | 0.5209% | 4,770 |
| Return on Equity (ROE) | 1.5301% | 5,104 |
| Retained earnings to average equity (ytd only) | 1.5301% | 4,519 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9355% | 1,242 |
| Assets per employee ($millions) | 6.6057% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,072 |
| Loan loss allowance to noncurrent loans | 13.1616% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 6.6181% | 41 |
| Noncurrent loans to loans | 9.8274% | 26 |
| Net loans and leases to total assets | 54.1051% | 4,271 |
| Net loans and leases to deposits | 64.6371% | 4,213 |
| Net loans and leases to core deposits | 67.6638% | 4,254 |
| Total domestic deposits to total assets | 83.7059% | 3,082 |
| Equity capital to assets | 16.2588% | 496 |
| Core capital (leverage) ratio | 16.5326% | 454 |
| Tier 1 risk-based capital ratio | 38.9748% | 246 |
| Total risk-based capital ratio | 40.2295% | 243 |
| Memoranda: | ||
| Average total assets | $40,504,800 | 5,091 |
| Average earning assets | $38,013,400 | 5,072 |
| Average equity | $6,405,000 | 4,839 |
| Average total loans | $22,064,200 | 5,028 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,754 |
| Cost of funding earning assets | 0.9743% | 663 |
| Net interest margin | 3.0870% | 4,725 |
| Noninterest income to average assets | 0.2095% | 4,708 |
| Noninterest expense to average assets | 2.1118% | 4,523 |
| Loan and lease loss provision to assets | 0.2456% | 644 |
| Net operating income to assets | 0.3634% | 5,005 |
| Return on assets (ROA) | 0.3634% | 5,006 |
| Pretax return on assets | 0.7465% | 4,434 |
| Return on Equity (ROE) | 2.3142% | 5,094 |
| Retained earnings to average equity (ytd only) | 2.3142% | 4,466 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0380% | 2,534 |
| Assets per employee ($millions) | 6.6600% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,195 |
| Loan loss allowance to noncurrent loans | 10.1407% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 8.1557% | 33 |
| Noncurrent loans to loans | 12.6270% | 15 |
| Net loans and leases to total assets | 54.2142% | 4,351 |
| Net loans and leases to deposits | 64.6957% | 4,296 |
| Net loans and leases to core deposits | 67.6852% | 4,310 |
| Total domestic deposits to total assets | 83.7988% | 3,012 |
| Equity capital to assets | 16.0586% | 530 |
| Core capital (leverage) ratio | 16.3627% | 469 |
| Tier 1 risk-based capital ratio | 37.7653% | 258 |
| Total risk-based capital ratio | 39.0189% | 257 |
| Memoranda: | ||
| Average total assets | $40,722,500 | 5,151 |
| Average earning assets | $38,180,500 | 5,135 |
| Average equity | $6,395,250 | 4,892 |
| Average total loans | $22,149,000 | 5,085 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 3,575 |
| Cost of funding earning assets | 0.9333% | 628 |
| Net interest margin | 3.1283% | 4,667 |
| Noninterest income to average assets | 0.2001% | 4,818 |
| Noninterest expense to average assets | 2.0890% | 4,633 |
| Loan and lease loss provision to assets | 0.3026% | 462 |
| Net operating income to assets | 0.5369% | 4,660 |
| Return on assets (ROA) | 0.5369% | 4,668 |
| Pretax return on assets | 0.7370% | 4,416 |
| Return on Equity (ROE) | 3.4440% | 4,937 |
| Retained earnings to average equity (ytd only) | 3.4440% | 3,857 |
| Net charge-offs to loans | -0.0450% | 4,886 |
| Credit loss provision to net charge-offs | -1,240.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7707% | 2,853 |
| Assets per employee ($millions) | 6.7937% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,577 |
| Loan loss allowance to noncurrent loans | 10.5324% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 7.6665% | 40 |
| Noncurrent loans to loans | 11.6301% | 22 |
| Net loans and leases to total assets | 54.0062% | 4,337 |
| Net loans and leases to deposits | 64.1564% | 4,271 |
| Net loans and leases to core deposits | 67.5566% | 4,280 |
| Total domestic deposits to total assets | 84.1789% | 2,999 |
| Equity capital to assets | 15.7034% | 553 |
| Core capital (leverage) ratio | 16.1772% | 471 |
| Tier 1 risk-based capital ratio | 37.2539% | 273 |
| Total risk-based capital ratio | 38.5078% | 273 |
| Memoranda: | ||
| Average total assets | $40,976,670 | 5,205 |
| Average earning assets | $38,359,670 | 5,190 |
| Average equity | $6,388,000 | 4,946 |
| Average total loans | $22,217,000 | 5,144 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 3,122 |
| Cost of funding earning assets | 0.8951% | 607 |
| Net interest margin | 3.2368% | 4,352 |
| Noninterest income to average assets | 0.1460% | 5,132 |
| Noninterest expense to average assets | 2.1030% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7789% | 3,796 |
| Return on assets (ROA) | 0.7789% | 3,796 |
| Pretax return on assets | 1.0710% | 3,276 |
| Return on Equity (ROE) | 5.0145% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.0145% | 3,162 |
| Net charge-offs to loans | 0.0361% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 889 |
| Efficiency ratio | 66.2577% | 3,116 |
| Assets per employee ($millions) | 6.7693% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 4,318 |
| Loan loss allowance to noncurrent loans | 11.9718% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 6.1774% | 62 |
| Noncurrent loans to loans | 7.7514% | 55 |
| Net loans and leases to total assets | 53.6217% | 4,318 |
| Net loans and leases to deposits | 63.6887% | 4,226 |
| Net loans and leases to core deposits | 66.4237% | 4,282 |
| Total domestic deposits to total assets | 84.1934% | 3,239 |
| Equity capital to assets | 15.7179% | 533 |
| Core capital (leverage) ratio | 15.9337% | 497 |
| Tier 1 risk-based capital ratio | 37.7760% | 261 |
| Total risk-based capital ratio | 38.9550% | 256 |
| Memoranda: | ||
| Average total assets | $41,084,000 | 5,264 |
| Average earning assets | $38,433,500 | 5,250 |
| Average equity | $6,381,500 | 5,002 |
| Average total loans | $22,182,000 | 5,201 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,721 |
| Cost of funding earning assets | 0.9484% | 293 |
| Net interest margin | 2.9531% | 4,973 |
| Noninterest income to average assets | 0.1895% | 5,008 |
| Noninterest expense to average assets | 2.3071% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4235% | 4,616 |
| Return on assets (ROA) | 0.4235% | 4,640 |
| Pretax return on assets | 0.6364% | 4,660 |
| Return on Equity (ROE) | 2.8580% | 4,876 |
| Retained earnings to average equity (ytd only) | 2.8580% | 3,603 |
| Net charge-offs to loans | 0.0587% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 20.9231% | 1,940 |
| Efficiency ratio | 78.3784% | 1,296 |
| Assets per employee ($millions) | 6.9253% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,371 |
| Loan loss allowance to noncurrent loans | 9.4931% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 7.0297% | 48 |
| Noncurrent loans to loans | 9.6957% | 26 |
| Net loans and leases to total assets | 53.3669% | 4,408 |
| Net loans and leases to deposits | 63.1101% | 4,373 |
| Net loans and leases to core deposits | 66.3326% | 4,396 |
| Total domestic deposits to total assets | 84.5615% | 3,014 |
| Equity capital to assets | 15.3518% | 613 |
| Core capital (leverage) ratio | 15.3626% | 564 |
| Tier 1 risk-based capital ratio | 36.1559% | 293 |
| Total risk-based capital ratio | 37.3096% | 293 |
| Memoranda: | ||
| Average total assets | $42,738,000 | 5,293 |
| Average earning assets | $39,856,400 | 5,275 |
| Average equity | $6,333,000 | 5,053 |
| Average total loans | $22,162,600 | 5,249 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 3,743 |
| Cost of funding earning assets | 0.9605% | 236 |
| Net interest margin | 2.9181% | 5,066 |
| Noninterest income to average assets | 0.1983% | 5,015 |
| Noninterest expense to average assets | 2.0789% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5608% | 4,537 |
| Return on assets (ROA) | 0.5608% | 4,572 |
| Pretax return on assets | 0.8396% | 4,240 |
| Return on Equity (ROE) | 3.8176% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.8176% | 3,649 |
| Net charge-offs to loans | 0.0603% | 2,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 27.1058% | 1,652 |
| Efficiency ratio | 71.2314% | 2,334 |
| Assets per employee ($millions) | 7.0665% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 4,406 |
| Loan loss allowance to noncurrent loans | 10.3210% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 6.4766% | 59 |
| Noncurrent loans to loans | 9.0620% | 32 |
| Net loans and leases to total assets | 52.2111% | 4,551 |
| Net loans and leases to deposits | 61.6252% | 4,551 |
| Net loans and leases to core deposits | 64.7148% | 4,572 |
| Total domestic deposits to total assets | 84.7237% | 2,827 |
| Equity capital to assets | 15.1371% | 706 |
| Core capital (leverage) ratio | 15.1446% | 635 |
| Tier 1 risk-based capital ratio | 36.0550% | 302 |
| Total risk-based capital ratio | 37.2222% | 298 |
| Memoranda: | ||
| Average total assets | $43,034,500 | 5,346 |
| Average earning assets | $40,116,000 | 5,329 |
| Average equity | $6,321,500 | 5,113 |
| Average total loans | $22,108,000 | 5,304 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,623 |
| Cost of funding earning assets | 0.9641% | 205 |
| Net interest margin | 2.9172% | 5,066 |
| Noninterest income to average assets | 0.2127% | 4,982 |
| Noninterest expense to average assets | 2.0071% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5550% | 4,499 |
| Return on assets (ROA) | 0.5550% | 4,543 |
| Pretax return on assets | 0.9203% | 3,867 |
| Return on Equity (ROE) | 3.8160% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.8160% | 3,419 |
| Net charge-offs to loans | 0.0545% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 33.1667% | 1,394 |
| Efficiency ratio | 68.5624% | 2,912 |
| Assets per employee ($millions) | 8.6222% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 4,297 |
| Loan loss allowance to noncurrent loans | 12.8236% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 5.5531% | 86 |
| Noncurrent loans to loans | 7.6001% | 54 |
| Net loans and leases to total assets | 50.2006% | 4,696 |
| Net loans and leases to deposits | 58.9813% | 4,703 |
| Net loans and leases to core deposits | 61.8643% | 4,725 |
| Total domestic deposits to total assets | 85.1128% | 2,767 |
| Equity capital to assets | 14.7457% | 756 |
| Core capital (leverage) ratio | 14.8107% | 677 |
| Tier 1 risk-based capital ratio | 36.0379% | 279 |
| Total risk-based capital ratio | 37.2380% | 277 |
| Memoranda: | ||
| Average total assets | $43,246,330 | 5,384 |
| Average earning assets | $40,244,670 | 5,365 |
| Average equity | $6,289,330 | 5,145 |
| Average total loans | $22,028,670 | 5,352 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 3,196 |
| Cost of funding earning assets | 0.9733% | 186 |
| Net interest margin | 2.9795% | 4,931 |
| Noninterest income to average assets | 0.2493% | 4,753 |
| Noninterest expense to average assets | 2.1702% | 4,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5172% | 4,527 |
| Return on assets (ROA) | 0.5172% | 4,558 |
| Pretax return on assets | 0.8496% | 3,944 |
| Return on Equity (ROE) | 3.5808% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.5808% | 3,650 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8654% | 2,600 |
| Assets per employee ($millions) | 7.2050% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,278 |
| Loan loss allowance to noncurrent loans | 14.3325% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 5.3875% | 99 |
| Noncurrent loans to loans | 6.9835% | 80 |
| Net loans and leases to total assets | 50.1064% | 4,662 |
| Net loans and leases to deposits | 58.7321% | 4,649 |
| Net loans and leases to core deposits | 61.5789% | 4,683 |
| Total domestic deposits to total assets | 85.3134% | 2,958 |
| Equity capital to assets | 14.5385% | 744 |
| Core capital (leverage) ratio | 14.6334% | 681 |
| Tier 1 risk-based capital ratio | 35.8473% | 307 |
| Total risk-based capital ratio | 37.0874% | 300 |
| Memoranda: | ||
| Average total assets | $43,314,000 | 5,437 |
| Average earning assets | $40,275,000 | 5,425 |
| Average equity | $6,255,500 | 5,198 |
| Average total loans | $22,115,500 | 5,401 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 3,881 |
| Cost of funding earning assets | 0.9776% | 198 |
| Net interest margin | 2.8306% | 5,241 |
| Noninterest income to average assets | 0.1345% | 5,514 |
| Noninterest expense to average assets | 2.2812% | 4,597 |
| Loan and lease loss provision to assets | -0.0580% | 5,609 |
| Net operating income to assets | 0.3387% | 5,113 |
| Return on assets (ROA) | 0.4173% | 4,965 |
| Pretax return on assets | 0.6654% | 4,607 |
| Return on Equity (ROE) | 2.8891% | 5,188 |
| Retained earnings to average equity (ytd only) | 2.8891% | 3,841 |
| Net charge-offs to loans | 0.0619% | 2,825 |
| Credit loss provision to net charge-offs | -178.5714% | 4,982 |
| Earnings coverage of net charge-offs (x) | 14.9286% | 2,251 |
| Efficiency ratio | 82.4811% | 1,146 |
| Assets per employee ($millions) | 7.2330% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 4,440 |
| Loan loss allowance to noncurrent loans | 12.2827% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 5.8643% | 89 |
| Noncurrent loans to loans | 7.9773% | 55 |
| Net loans and leases to total assets | 50.9977% | 4,689 |
| Net loans and leases to deposits | 59.6196% | 4,700 |
| Net loans and leases to core deposits | 62.4809% | 4,725 |
| Total domestic deposits to total assets | 85.5385% | 2,814 |
| Equity capital to assets | 14.3463% | 783 |
| Core capital (leverage) ratio | 14.5511% | 683 |
| Tier 1 risk-based capital ratio | 35.1403% | 317 |
| Total risk-based capital ratio | 36.3667% | 311 |
| Memoranda: | ||
| Average total assets | $43,134,800 | 5,480 |
| Average earning assets | $40,097,800 | 5,470 |
| Average equity | $6,230,400 | 5,244 |
| Average total loans | $22,611,400 | 5,430 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 3,891 |
| Cost of funding earning assets | 0.9725% | 197 |
| Net interest margin | 2.8375% | 5,290 |
| Noninterest income to average assets | 0.1331% | 5,586 |
| Noninterest expense to average assets | 2.0834% | 5,037 |
| Loan and lease loss provision to assets | -0.0774% | 5,763 |
| Net operating income to assets | 0.4770% | 4,778 |
| Return on assets (ROA) | 0.5820% | 4,477 |
| Pretax return on assets | 0.9287% | 3,878 |
| Return on Equity (ROE) | 4.0225% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.0225% | 3,438 |
| Net charge-offs to loans | 0.0353% | 2,926 |
| Credit loss provision to net charge-offs | -416.6667% | 5,029 |
| Earnings coverage of net charge-offs (x) | 36.9988% | 1,299 |
| Efficiency ratio | 75.1955% | 2,078 |
| Assets per employee ($millions) | 7.2692% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 4,371 |
| Loan loss allowance to noncurrent loans | 13.3844% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 5.4454% | 119 |
| Noncurrent loans to loans | 7.5171% | 71 |
| Net loans and leases to total assets | 51.2094% | 4,715 |
| Net loans and leases to deposits | 60.0258% | 4,756 |
| Net loans and leases to core deposits | 62.9119% | 4,779 |
| Total domestic deposits to total assets | 85.3124% | 2,673 |
| Equity capital to assets | 14.4858% | 877 |
| Core capital (leverage) ratio | 14.4400% | 731 |
| Tier 1 risk-based capital ratio | 35.2641% | 326 |
| Total risk-based capital ratio | 36.5157% | 323 |
| Memoranda: | ||
| Average total assets | $43,069,000 | 5,542 |
| Average earning assets | $40,034,250 | 5,524 |
| Average equity | $6,231,500 | 5,295 |
| Average total loans | $22,676,500 | 5,481 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 3,803 |
| Cost of funding earning assets | 0.9516% | 219 |
| Net interest margin | 2.8901% | 5,286 |
| Noninterest income to average assets | 0.1865% | 5,379 |
| Noninterest expense to average assets | 2.0845% | 5,093 |
| Loan and lease loss provision to assets | -0.1166% | 5,891 |
| Net operating income to assets | 0.5273% | 4,573 |
| Return on assets (ROA) | 0.6855% | 4,015 |
| Pretax return on assets | 1.1425% | 3,025 |
| Return on Equity (ROE) | 4.7399% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.7399% | 2,902 |
| Net charge-offs to loans | 0.0528% | 2,446 |
| Credit loss provision to net charge-offs | -416.6667% | 4,890 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,449 |
| Efficiency ratio | 72.8013% | 2,548 |
| Assets per employee ($millions) | 7.2435% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 4,446 |
| Loan loss allowance to noncurrent loans | 11.5816% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 6.5760% | 96 |
| Noncurrent loans to loans | 8.7367% | 51 |
| Net loans and leases to total assets | 51.0964% | 4,756 |
| Net loans and leases to deposits | 59.8475% | 4,808 |
| Net loans and leases to core deposits | 62.2847% | 4,863 |
| Total domestic deposits to total assets | 85.3777% | 2,698 |
| Equity capital to assets | 14.4773% | 879 |
| Core capital (leverage) ratio | 14.3944% | 728 |
| Tier 1 risk-based capital ratio | 34.5951% | 341 |
| Total risk-based capital ratio | 35.8477% | 338 |
| Memoranda: | ||
| Average total assets | $42,887,000 | 5,609 |
| Average earning assets | $39,721,330 | 5,594 |
| Average equity | $6,202,670 | 5,351 |
| Average total loans | $22,714,670 | 5,544 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 3,500 |
| Cost of funding earning assets | 0.9348% | 244 |
| Net interest margin | 2.9874% | 5,150 |
| Noninterest income to average assets | 0.1784% | 5,426 |
| Noninterest expense to average assets | 2.1690% | 4,982 |
| Loan and lease loss provision to assets | -0.2347% | 6,035 |
| Net operating income to assets | 0.5829% | 4,260 |
| Return on assets (ROA) | 0.9014% | 2,873 |
| Pretax return on assets | 1.5023% | 1,579 |
| Return on Equity (ROE) | 6.2358% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.2358% | 2,263 |
| Net charge-offs to loans | 0.0350% | 2,273 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 996 |
| Efficiency ratio | 73.8019% | 2,514 |
| Assets per employee ($millions) | 7.0655% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 4,449 |
| Loan loss allowance to noncurrent loans | 13.2835% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 6.1378% | 114 |
| Noncurrent loans to loans | 7.7489% | 75 |
| Net loans and leases to total assets | 52.3931% | 4,595 |
| Net loans and leases to deposits | 61.5434% | 4,613 |
| Net loans and leases to core deposits | 64.1029% | 4,683 |
| Total domestic deposits to total assets | 85.1320% | 3,071 |
| Equity capital to assets | 14.6911% | 776 |
| Core capital (leverage) ratio | 14.5496% | 688 |
| Tier 1 risk-based capital ratio | 34.9162% | 336 |
| Total risk-based capital ratio | 36.1683% | 332 |
| Memoranda: | ||
| Average total assets | $42,600,000 | 5,668 |
| Average earning assets | $39,365,500 | 5,649 |
| Average equity | $6,158,000 | 5,391 |
| Average total loans | $22,855,000 | 5,593 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,939 |
| Cost of funding earning assets | 0.9741% | 197 |
| Net interest margin | 3.1208% | 4,852 |
| Noninterest income to average assets | 0.1944% | 5,421 |
| Noninterest expense to average assets | 2.2391% | 4,949 |
| Loan and lease loss provision to assets | 0.0656% | 2,974 |
| Net operating income to assets | 0.5043% | 4,673 |
| Return on assets (ROA) | 0.5972% | 4,387 |
| Pretax return on assets | 0.9462% | 3,670 |
| Return on Equity (ROE) | 4.2349% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.2349% | 2,975 |
| Net charge-offs to loans | 0.0464% | 3,288 |
| Credit loss provision to net charge-offs | 254.5455% | 1,130 |
| Earnings coverage of net charge-offs (x) | 33.6364% | 1,338 |
| Efficiency ratio | 72.0965% | 2,897 |
| Assets per employee ($millions) | 7.1345% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 4,001 |
| Loan loss allowance to noncurrent loans | 11.9004% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 7.0152% | 100 |
| Noncurrent loans to loans | 9.3175% | 52 |
| Net loans and leases to total assets | 53.7529% | 4,532 |
| Net loans and leases to deposits | 62.7728% | 4,570 |
| Net loans and leases to core deposits | 66.4491% | 4,557 |
| Total domestic deposits to total assets | 85.6309% | 2,796 |
| Equity capital to assets | 14.2220% | 861 |
| Core capital (leverage) ratio | 14.3327% | 747 |
| Tier 1 risk-based capital ratio | 33.3060% | 382 |
| Total risk-based capital ratio | 34.5574% | 381 |
| Memoranda: | ||
| Average total assets | $42,695,800 | 5,713 |
| Average earning assets | $39,829,600 | 5,684 |
| Average equity | $6,021,400 | 5,437 |
| Average total loans | $23,731,600 | 5,596 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 2,906 |
| Cost of funding earning assets | 0.9860% | 194 |
| Net interest margin | 3.1219% | 4,907 |
| Noninterest income to average assets | 0.1875% | 5,537 |
| Noninterest expense to average assets | 1.9968% | 5,486 |
| Loan and lease loss provision to assets | 0.0750% | 2,679 |
| Net operating income to assets | 0.6812% | 3,986 |
| Return on assets (ROA) | 0.6812% | 4,101 |
| Pretax return on assets | 1.0343% | 3,485 |
| Return on Equity (ROE) | 4.8405% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.8405% | 3,024 |
| Net charge-offs to loans | 0.0615% | 2,714 |
| Credit loss provision to net charge-offs | 218.1818% | 1,250 |
| Earnings coverage of net charge-offs (x) | 32.2645% | 1,425 |
| Efficiency ratio | 64.2857% | 4,198 |
| Assets per employee ($millions) | 7.0152% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 4,338 |
| Loan loss allowance to noncurrent loans | 14.0331% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 6.3386% | 130 |
| Noncurrent loans to loans | 7.7015% | 79 |
| Net loans and leases to total assets | 55.2327% | 4,437 |
| Net loans and leases to deposits | 64.8371% | 4,483 |
| Net loans and leases to core deposits | 68.2080% | 4,524 |
| Total domestic deposits to total assets | 85.1869% | 2,938 |
| Equity capital to assets | 14.6136% | 834 |
| Core capital (leverage) ratio | 14.3087% | 784 |
| Tier 1 risk-based capital ratio | 33.6294% | 391 |
| Total risk-based capital ratio | 34.8782% | 386 |
| Memoranda: | ||
| Average total assets | $42,668,000 | 5,787 |
| Average earning assets | $39,889,750 | 5,754 |
| Average equity | $6,004,750 | 5,499 |
| Average total loans | $23,847,500 | 5,658 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 2,934 |
| Cost of funding earning assets | 1.0086% | 174 |
| Net interest margin | 3.0807% | 5,017 |
| Noninterest income to average assets | 0.1867% | 5,572 |
| Noninterest expense to average assets | 1.9832% | 5,555 |
| Loan and lease loss provision to assets | 0.0793% | 2,526 |
| Net operating income to assets | 0.6020% | 4,338 |
| Return on assets (ROA) | 0.6020% | 4,439 |
| Pretax return on assets | 1.0033% | 3,578 |
| Return on Equity (ROE) | 4.3318% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.3318% | 3,265 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6880% | 4,244 |
| Assets per employee ($millions) | 7.1240% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 4,439 |
| Loan loss allowance to noncurrent loans | 11.7060% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 6.6863% | 134 |
| Noncurrent loans to loans | 9.2252% | 64 |
| Net loans and leases to total assets | 55.2896% | 4,412 |
| Net loans and leases to deposits | 64.4671% | 4,491 |
| Net loans and leases to core deposits | 67.7338% | 4,509 |
| Total domestic deposits to total assets | 85.7641% | 2,812 |
| Equity capital to assets | 14.1002% | 956 |
| Core capital (leverage) ratio | 13.8363% | 893 |
| Tier 1 risk-based capital ratio | 32.5263% | 442 |
| Total risk-based capital ratio | 33.7807% | 434 |
| Memoranda: | ||
| Average total assets | $42,860,330 | 5,849 |
| Average earning assets | $40,056,000 | 5,811 |
| Average equity | $5,956,000 | 5,561 |
| Average total loans | $23,962,670 | 5,712 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1000% | 2,829 |
| Cost of funding earning assets | 1.0175% | 165 |
| Net interest margin | 3.0824% | 5,001 |
| Noninterest income to average assets | 0.1118% | 6,030 |
| Noninterest expense to average assets | 2.0318% | 5,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5778% | 4,369 |
| Return on assets (ROA) | 0.5778% | 4,474 |
| Pretax return on assets | 0.9600% | 3,648 |
| Return on Equity (ROE) | 4.1888% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.1888% | 3,492 |
| Net charge-offs to loans | -0.0833% | 5,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9128% | 3,840 |
| Assets per employee ($millions) | 7.1257% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,889 |
| Loan loss allowance to noncurrent loans | 11.5819% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 6.6567% | 142 |
| Noncurrent loans to loans | 8.8596% | 78 |
| Net loans and leases to total assets | 55.4989% | 4,259 |
| Net loans and leases to deposits | 64.5959% | 4,305 |
| Net loans and leases to core deposits | 67.3192% | 4,400 |
| Total domestic deposits to total assets | 85.9171% | 2,988 |
| Equity capital to assets | 13.9987% | 988 |
| Core capital (leverage) ratio | 13.6461% | 920 |
| Tier 1 risk-based capital ratio | 32.2262% | 452 |
| Total risk-based capital ratio | 32.2262% | 490 |
| Memoranda: | ||
| Average total assets | $42,918,500 | 5,895 |
| Average earning assets | $40,098,000 | 5,866 |
| Average equity | $5,920,500 | 5,616 |
| Average total loans | $23,998,500 | 5,748 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 3,343 |
| Cost of funding earning assets | 1.0964% | 136 |
| Net interest margin | 3.0006% | 5,450 |
| Noninterest income to average assets | 0.1957% | 5,685 |
| Noninterest expense to average assets | 2.1117% | 5,543 |
| Loan and lease loss provision to assets | 0.0787% | 2,910 |
| Net operating income to assets | 0.4267% | 5,127 |
| Return on assets (ROA) | 0.3058% | 5,577 |
| Pretax return on assets | 0.6229% | 4,862 |
| Return on Equity (ROE) | 2.3757% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.3757% | 4,537 |
| Net charge-offs to loans | 0.3587% | 1,217 |
| Credit loss provision to net charge-offs | 40.2299% | 3,666 |
| Earnings coverage of net charge-offs (x) | 4.5517% | 3,626 |
| Efficiency ratio | 70.3371% | 3,478 |
| Assets per employee ($millions) | 7.1805% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 5,038 |
| Loan loss allowance to noncurrent loans | 11.7504% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 6.4364% | 175 |
| Noncurrent loans to loans | 8.5377% | 95 |
| Net loans and leases to total assets | 55.2004% | 4,420 |
| Net loans and leases to deposits | 64.0127% | 4,525 |
| Net loans and leases to core deposits | 66.6592% | 4,622 |
| Total domestic deposits to total assets | 86.2335% | 2,702 |
| Equity capital to assets | 13.5924% | 1,117 |
| Core capital (leverage) ratio | 13.5552% | 956 |
| Tier 1 risk-based capital ratio | 31.8638% | 434 |
| Total risk-based capital ratio | 31.6947% | 488 |
| Memoranda: | ||
| Average total assets | $44,467,000 | 5,916 |
| Average earning assets | $41,592,200 | 5,883 |
| Average equity | $5,724,600 | 5,688 |
| Average total loans | $24,255,000 | 5,811 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 3,422 |
| Cost of funding earning assets | 1.1090% | 137 |
| Net interest margin | 2.9806% | 5,543 |
| Noninterest income to average assets | 0.1874% | 5,795 |
| Noninterest expense to average assets | 1.9399% | 5,884 |
| Loan and lease loss provision to assets | 0.0744% | 2,852 |
| Net operating income to assets | 0.4991% | 4,877 |
| Return on assets (ROA) | 0.3392% | 5,534 |
| Pretax return on assets | 0.7141% | 4,660 |
| Return on Equity (ROE) | 2.6705% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.6705% | 4,697 |
| Net charge-offs to loans | 0.2413% | 1,597 |
| Credit loss provision to net charge-offs | 56.8182% | 2,994 |
| Earnings coverage of net charge-offs (x) | 7.9311% | 2,872 |
| Efficiency ratio | 65.1349% | 4,345 |
| Assets per employee ($millions) | 7.3662% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 4,549 |
| Loan loss allowance to noncurrent loans | 14.3983% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 6.0366% | 233 |
| Noncurrent loans to loans | 7.9292% | 126 |
| Net loans and leases to total assets | 53.6824% | 4,613 |
| Net loans and leases to deposits | 61.9041% | 4,748 |
| Net loans and leases to core deposits | 64.3749% | 4,848 |
| Total domestic deposits to total assets | 86.7186% | 2,467 |
| Equity capital to assets | 13.1185% | 1,370 |
| Core capital (leverage) ratio | 13.1638% | 1,117 |
| Tier 1 risk-based capital ratio | 31.4469% | 460 |
| Total risk-based capital ratio | 31.2956% | 518 |
| Memoranda: | ||
| Average total assets | $44,813,000 | 5,982 |
| Average earning assets | $41,959,000 | 5,944 |
| Average equity | $5,691,750 | 5,747 |
| Average total loans | $24,313,000 | 5,868 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1009% | 3,338 |
| Cost of funding earning assets | 1.1141% | 137 |
| Net interest margin | 2.9868% | 5,564 |
| Noninterest income to average assets | 0.2221% | 5,618 |
| Noninterest expense to average assets | 1.9636% | 5,890 |
| Loan and lease loss provision to assets | 0.1111% | 2,173 |
| Net operating income to assets | 0.5687% | 4,504 |
| Return on assets (ROA) | 0.5687% | 4,608 |
| Pretax return on assets | 0.9463% | 3,695 |
| Return on Equity (ROE) | 4.5259% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.5259% | 3,299 |
| Net charge-offs to loans | 0.2048% | 1,798 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 9.5200% | 2,349 |
| Efficiency ratio | 65.0000% | 4,534 |
| Assets per employee ($millions) | 6.3879% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 4,383 |
| Loan loss allowance to noncurrent loans | 14.9490% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 6.0271% | 245 |
| Noncurrent loans to loans | 8.0895% | 123 |
| Net loans and leases to total assets | 53.5301% | 4,591 |
| Net loans and leases to deposits | 61.5274% | 4,736 |
| Net loans and leases to core deposits | 64.3804% | 4,782 |
| Total domestic deposits to total assets | 87.0021% | 2,454 |
| Equity capital to assets | 12.8838% | 1,434 |
| Core capital (leverage) ratio | 12.8279% | 1,226 |
| Tier 1 risk-based capital ratio | 30.7478% | 491 |
| Total risk-based capital ratio | 30.6084% | 542 |
| Memoranda: | ||
| Average total assets | $45,018,330 | 6,030 |
| Average earning assets | $42,186,000 | 5,993 |
| Average equity | $5,656,330 | 5,790 |
| Average total loans | $24,417,330 | 5,912 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 2,829 |
| Cost of funding earning assets | 1.1428% | 129 |
| Net interest margin | 3.0695% | 5,338 |
| Noninterest income to average assets | 0.1063% | 6,312 |
| Noninterest expense to average assets | 1.9305% | 6,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6376% | 4,008 |
| Return on assets (ROA) | 0.6376% | 4,100 |
| Pretax return on assets | 1.0538% | 3,120 |
| Return on Equity (ROE) | 5.1392% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.1392% | 3,027 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6884% | 4,749 |
| Assets per employee ($millions) | 6.3950% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 4,603 |
| Loan loss allowance to noncurrent loans | 16.8294% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 5.7143% | 317 |
| Noncurrent loans to loans | 7.1723% | 210 |
| Net loans and leases to total assets | 53.5709% | 4,478 |
| Net loans and leases to deposits | 61.3749% | 4,617 |
| Net loans and leases to core deposits | 64.1993% | 4,676 |
| Total domestic deposits to total assets | 87.2847% | 2,646 |
| Equity capital to assets | 12.6103% | 1,518 |
| Core capital (leverage) ratio | 12.5835% | 1,349 |
| Tier 1 risk-based capital ratio | 30.3078% | 514 |
| Total risk-based capital ratio | 30.1625% | 568 |
| Memoranda: | ||
| Average total assets | $45,170,000 | 6,087 |
| Average earning assets | $42,352,000 | 6,047 |
| Average equity | $5,604,000 | 5,843 |
| Average total loans | $24,511,500 | 5,963 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 3,651 |
| Cost of funding earning assets | 1.2555% | 135 |
| Net interest margin | 2.8683% | 5,858 |
| Noninterest income to average assets | 0.1284% | 6,284 |
| Noninterest expense to average assets | 2.0982% | 5,835 |
| Loan and lease loss provision to assets | 0.1067% | 3,015 |
| Net operating income to assets | 0.3983% | 5,146 |
| Return on assets (ROA) | 0.3983% | 5,266 |
| Pretax return on assets | 0.6138% | 4,828 |
| Return on Equity (ROE) | 3.2882% | 5,407 |
| Retained earnings to average equity (ytd only) | 3.2882% | 3,894 |
| Net charge-offs to loans | 0.1922% | 2,928 |
| Credit loss provision to net charge-offs | 104.2553% | 2,324 |
| Earnings coverage of net charge-offs (x) | 7.0426% | 2,924 |
| Efficiency ratio | 74.4402% | 3,056 |
| Assets per employee ($millions) | 6.5107% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 4,738 |
| Loan loss allowance to noncurrent loans | 13.7430% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 6.4597% | 281 |
| Noncurrent loans to loans | 8.6145% | 165 |
| Net loans and leases to total assets | 53.6610% | 4,629 |
| Net loans and leases to deposits | 61.2012% | 4,809 |
| Net loans and leases to core deposits | 63.9339% | 4,873 |
| Total domestic deposits to total assets | 87.6796% | 2,376 |
| Equity capital to assets | 12.2063% | 1,678 |
| Core capital (leverage) ratio | 12.1821% | 1,504 |
| Tier 1 risk-based capital ratio | 29.1107% | 546 |
| Total risk-based capital ratio | 29.0006% | 610 |
| Memoranda: | ||
| Average total assets | $45,944,600 | 6,123 |
| Average earning assets | $43,091,600 | 6,076 |
| Average equity | $5,565,400 | 5,913 |
| Average total loans | $24,451,200 | 6,010 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 3,584 |
| Cost of funding earning assets | 1.2656% | 147 |
| Net interest margin | 2.8800% | 5,858 |
| Noninterest income to average assets | 0.1535% | 6,269 |
| Noninterest expense to average assets | 1.9520% | 6,094 |
| Loan and lease loss provision to assets | 0.1419% | 2,515 |
| Net operating income to assets | 0.4981% | 4,799 |
| Return on assets (ROA) | 0.4981% | 4,968 |
| Pretax return on assets | 0.7617% | 4,450 |
| Return on Equity (ROE) | 4.1202% | 5,163 |
| Retained earnings to average equity (ytd only) | 4.1202% | 3,749 |
| Net charge-offs to loans | 0.2571% | 2,267 |
| Credit loss provision to net charge-offs | 104.2553% | 2,246 |
| Earnings coverage of net charge-offs (x) | 6.6378% | 2,932 |
| Efficiency ratio | 68.3570% | 4,022 |
| Assets per employee ($millions) | 6.5983% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 4,863 |
| Loan loss allowance to noncurrent loans | 15.5355% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 5.8284% | 425 |
| Noncurrent loans to loans | 7.7232% | 242 |
| Net loans and leases to total assets | 52.2365% | 4,848 |
| Net loans and leases to deposits | 59.5552% | 5,025 |
| Net loans and leases to core deposits | 62.1670% | 5,102 |
| Total domestic deposits to total assets | 87.7111% | 2,293 |
| Equity capital to assets | 12.1395% | 1,836 |
| Core capital (leverage) ratio | 12.0962% | 1,616 |
| Tier 1 risk-based capital ratio | 29.3728% | 545 |
| Total risk-based capital ratio | 29.2571% | 621 |
| Memoranda: | ||
| Average total assets | $46,037,000 | 6,188 |
| Average earning assets | $43,193,250 | 6,142 |
| Average equity | $5,566,000 | 5,985 |
| Average total loans | $24,376,750 | 6,069 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 3,482 |
| Cost of funding earning assets | 1.2809% | 156 |
| Net interest margin | 2.8867% | 5,821 |
| Noninterest income to average assets | 0.1044% | 6,516 |
| Noninterest expense to average assets | 1.9527% | 6,124 |
| Loan and lease loss provision to assets | 0.1392% | 2,587 |
| Net operating income to assets | 0.4306% | 5,106 |
| Return on assets (ROA) | 0.4306% | 5,262 |
| Pretax return on assets | 0.7176% | 4,624 |
| Return on Equity (ROE) | 3.5661% | 5,394 |
| Retained earnings to average equity (ytd only) | 3.5661% | 4,047 |
| Net charge-offs to loans | 0.1314% | 3,062 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 12.3125% | 1,985 |
| Efficiency ratio | 69.5046% | 3,923 |
| Assets per employee ($millions) | 6.5481% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,561 |
| Loan loss allowance to noncurrent loans | 12.5511% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 7.3805% | 311 |
| Noncurrent loans to loans | 10.2683% | 147 |
| Net loans and leases to total assets | 51.2992% | 4,953 |
| Net loans and leases to deposits | 58.3156% | 5,135 |
| Net loans and leases to core deposits | 60.8792% | 5,183 |
| Total domestic deposits to total assets | 87.9682% | 2,268 |
| Equity capital to assets | 11.9314% | 1,954 |
| Core capital (leverage) ratio | 11.9074% | 1,666 |
| Tier 1 risk-based capital ratio | 28.6479% | 596 |
| Total risk-based capital ratio | 28.2018% | 687 |
| Memoranda: | ||
| Average total assets | $45,986,670 | 6,232 |
| Average earning assets | $43,094,000 | 6,185 |
| Average equity | $5,552,330 | 6,029 |
| Average total loans | $24,362,330 | 6,100 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 2,950 |
| Cost of funding earning assets | 1.3142% | 145 |
| Net interest margin | 2.9707% | 5,652 |
| Noninterest income to average assets | 0.1042% | 6,556 |
| Noninterest expense to average assets | 2.0234% | 6,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5210% | 4,565 |
| Return on assets (ROA) | 0.5210% | 4,709 |
| Pretax return on assets | 0.8684% | 3,878 |
| Return on Equity (ROE) | 4.2903% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.2903% | 3,650 |
| Net charge-offs to loans | 0.1461% | 2,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 11.1111% | 1,681 |
| Efficiency ratio | 69.9700% | 3,980 |
| Assets per employee ($millions) | 6.5377% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 5,377 |
| Loan loss allowance to noncurrent loans | 13.2146% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 6.7040% | 438 |
| Noncurrent loans to loans | 8.7506% | 279 |
| Net loans and leases to total assets | 52.6724% | 4,602 |
| Net loans and leases to deposits | 60.0733% | 4,789 |
| Net loans and leases to core deposits | 62.7097% | 4,886 |
| Total domestic deposits to total assets | 87.6803% | 2,529 |
| Equity capital to assets | 12.2323% | 1,882 |
| Core capital (leverage) ratio | 12.1078% | 1,507 |
| Tier 1 risk-based capital ratio | 28.8144% | 594 |
| Total risk-based capital ratio | 28.3827% | 682 |
| Memoranda: | ||
| Average total assets | $46,061,500 | 6,288 |
| Average earning assets | $43,221,500 | 6,240 |
| Average equity | $5,594,000 | 6,074 |
| Average total loans | $24,633,000 | 6,136 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 4,105 |
| Cost of funding earning assets | 1.4907% | 170 |
| Net interest margin | 2.8344% | 6,342 |
| Noninterest income to average assets | 0.1576% | 6,251 |
| Noninterest expense to average assets | 2.2384% | 5,839 |
| Loan and lease loss provision to assets | 0.0648% | 4,951 |
| Net operating income to assets | 0.3216% | 5,393 |
| Return on assets (ROA) | 0.3216% | 5,604 |
| Pretax return on assets | 0.5181% | 5,224 |
| Return on Equity (ROE) | 2.6959% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.6959% | 4,337 |
| Net charge-offs to loans | 0.1952% | 3,814 |
| Credit loss provision to net charge-offs | 60.0000% | 4,443 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 3,051 |
| Efficiency ratio | 79.3420% | 2,233 |
| Assets per employee ($millions) | 6.6227% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,266 |
| Loan loss allowance to noncurrent loans | 11.8534% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 7.1593% | 425 |
| Noncurrent loans to loans | 9.8678% | 240 |
| Net loans and leases to total assets | 53.0382% | 4,751 |
| Net loans and leases to deposits | 60.3594% | 4,989 |
| Net loans and leases to core deposits | 62.9574% | 5,068 |
| Total domestic deposits to total assets | 87.8707% | 2,310 |
| Equity capital to assets | 12.0581% | 2,008 |
| Core capital (leverage) ratio | 11.9092% | 1,619 |
| Tier 1 risk-based capital ratio | 28.0581% | 626 |
| Total risk-based capital ratio | 27.6668% | 725 |
| Memoranda: | ||
| Average total assets | $46,327,200 | 6,319 |
| Average earning assets | $43,536,600 | 6,249 |
| Average equity | $5,527,000 | 6,135 |
| Average total loans | $25,613,000 | 6,157 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 4,015 |
| Cost of funding earning assets | 1.5252% | 176 |
| Net interest margin | 2.8819% | 6,392 |
| Noninterest income to average assets | 0.1583% | 6,356 |
| Noninterest expense to average assets | 2.0380% | 6,294 |
| Loan and lease loss provision to assets | 0.0605% | 4,963 |
| Net operating income to assets | 0.4749% | 4,929 |
| Return on assets (ROA) | 0.4749% | 5,197 |
| Pretax return on assets | 0.7686% | 4,601 |
| Return on Equity (ROE) | 3.9917% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.9917% | 4,075 |
| Net charge-offs to loans | 0.2171% | 3,424 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 6.8570% | 2,699 |
| Efficiency ratio | 71.0843% | 3,492 |
| Assets per employee ($millions) | 6.5909% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,484 |
| Loan loss allowance to noncurrent loans | 15.8817% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 5.7049% | 732 |
| Noncurrent loans to loans | 7.2885% | 486 |
| Net loans and leases to total assets | 53.6739% | 4,798 |
| Net loans and leases to deposits | 61.2445% | 5,052 |
| Net loans and leases to core deposits | 63.8913% | 5,160 |
| Total domestic deposits to total assets | 87.6387% | 2,267 |
| Equity capital to assets | 12.2572% | 2,071 |
| Core capital (leverage) ratio | 12.0036% | 1,654 |
| Tier 1 risk-based capital ratio | 28.5877% | 611 |
| Total risk-based capital ratio | 28.1902% | 731 |
| Memoranda: | ||
| Average total assets | $46,319,250 | 6,388 |
| Average earning assets | $43,534,750 | 6,324 |
| Average equity | $5,511,250 | 6,213 |
| Average total loans | $25,796,500 | 6,226 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 4,005 |
| Cost of funding earning assets | 1.5396% | 201 |
| Net interest margin | 2.9050% | 6,422 |
| Noninterest income to average assets | 0.0992% | 6,678 |
| Noninterest expense to average assets | 2.0095% | 6,409 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4657% | 4,975 |
| Return on assets (ROA) | 0.4657% | 5,214 |
| Pretax return on assets | 0.8236% | 4,389 |
| Return on Equity (ROE) | 3.9536% | 5,287 |
| Retained earnings to average equity (ytd only) | 3.9536% | 3,987 |
| Net charge-offs to loans | 0.0077% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 234 |
| Efficiency ratio | 70.9285% | 3,612 |
| Assets per employee ($millions) | 5.8120% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 5,293 |
| Loan loss allowance to noncurrent loans | 16.9122% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 5.8026% | 751 |
| Noncurrent loans to loans | 7.1826% | 533 |
| Net loans and leases to total assets | 54.2197% | 4,759 |
| Net loans and leases to deposits | 61.6155% | 5,053 |
| Net loans and leases to core deposits | 65.2281% | 5,087 |
| Total domestic deposits to total assets | 87.9968% | 2,148 |
| Equity capital to assets | 11.9279% | 2,195 |
| Core capital (leverage) ratio | 11.7709% | 1,743 |
| Tier 1 risk-based capital ratio | 28.0192% | 644 |
| Total risk-based capital ratio | 27.8913% | 747 |
| Memoranda: | ||
| Average total assets | $46,380,330 | 6,427 |
| Average earning assets | $43,649,000 | 6,357 |
| Average equity | $5,463,330 | 6,250 |
| Average total loans | $26,044,330 | 6,259 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 3,507 |
| Cost of funding earning assets | 1.5603% | 223 |
| Net interest margin | 3.0381% | 6,217 |
| Noninterest income to average assets | 0.0864% | 6,799 |
| Noninterest expense to average assets | 2.0033% | 6,457 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5440% | 4,629 |
| Return on assets (ROA) | 0.5440% | 4,840 |
| Pretax return on assets | 0.9412% | 3,899 |
| Return on Equity (ROE) | 4.6477% | 4,958 |
| Retained earnings to average equity (ytd only) | 4.6477% | 3,782 |
| Net charge-offs to loans | -0.0760% | 6,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0352% | 4,163 |
| Assets per employee ($millions) | 6.5990% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 5,428 |
| Loan loss allowance to noncurrent loans | 15.4750% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 6.1005% | 762 |
| Noncurrent loans to loans | 7.8385% | 500 |
| Net loans and leases to total assets | 55.7119% | 4,437 |
| Net loans and leases to deposits | 63.2310% | 4,738 |
| Net loans and leases to core deposits | 66.9467% | 4,809 |
| Total domestic deposits to total assets | 88.1086% | 2,244 |
| Equity capital to assets | 11.8048% | 2,182 |
| Core capital (leverage) ratio | 11.7052% | 1,765 |
| Tier 1 risk-based capital ratio | 27.5025% | 684 |
| Total risk-based capital ratio | 27.4262% | 775 |
| Memoranda: | ||
| Average total assets | $46,322,500 | 6,478 |
| Average earning assets | $43,580,500 | 6,407 |
| Average equity | $5,422,000 | 6,299 |
| Average total loans | $26,306,500 | 6,288 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 4,903 |
| Cost of funding earning assets | 1.7018% | 318 |
| Net interest margin | 2.8415% | 6,770 |
| Noninterest income to average assets | -0.0042% | 7,004 |
| Noninterest expense to average assets | 1.9947% | 6,679 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4737% | 4,530 |
| Return on assets (ROA) | 0.4737% | 4,736 |
| Pretax return on assets | 0.6968% | 4,331 |
| Return on Equity (ROE) | 4.2632% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.2632% | 3,150 |
| Net charge-offs to loans | -0.3097% | 7,249 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1121% | 3,222 |
| Assets per employee ($millions) | 6.6360% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,532 |
| Loan loss allowance to noncurrent loans | 13.1780% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 6.2215% | 772 |
| Noncurrent loans to loans | 8.8849% | 403 |
| Net loans and leases to total assets | 56.5121% | 4,622 |
| Net loans and leases to deposits | 63.9660% | 5,012 |
| Net loans and leases to core deposits | 66.1634% | 5,238 |
| Total domestic deposits to total assets | 88.3471% | 1,943 |
| Equity capital to assets | 11.6055% | 2,421 |
| Core capital (leverage) ratio | 11.5220% | 1,875 |
| Tier 1 risk-based capital ratio | 26.8408% | 720 |
| Total risk-based capital ratio | 26.7805% | 799 |
| Memoranda: | ||
| Average total assets | $47,075,200 | 6,454 |
| Average earning assets | $44,659,400 | 6,370 |
| Average equity | $5,230,800 | 6,371 |
| Average total loans | $27,446,200 | 6,270 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 5,065 |
| Cost of funding earning assets | 1.7213% | 365 |
| Net interest margin | 2.8342% | 6,851 |
| Noninterest income to average assets | 0.0169% | 7,057 |
| Noninterest expense to average assets | 1.8264% | 6,954 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6069% | 4,054 |
| Return on assets (ROA) | 0.6069% | 4,239 |
| Pretax return on assets | 0.8864% | 3,819 |
| Return on Equity (ROE) | 5.5225% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.5225% | 2,850 |
| Net charge-offs to loans | -0.4096% | 7,331 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3257% | 4,458 |
| Assets per employee ($millions) | 6.7910% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,952 |
| Loan loss allowance to noncurrent loans | 13.6608% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 5.6293% | 977 |
| Noncurrent loans to loans | 9.6159% | 375 |
| Net loans and leases to total assets | 56.2614% | 4,804 |
| Net loans and leases to deposits | 63.5122% | 5,237 |
| Net loans and leases to core deposits | 65.6287% | 5,454 |
| Total domestic deposits to total assets | 88.5836% | 1,706 |
| Equity capital to assets | 11.3133% | 2,852 |
| Core capital (leverage) ratio | 11.2401% | 2,198 |
| Tier 1 risk-based capital ratio | 26.6747% | 765 |
| Total risk-based capital ratio | 26.3497% | 895 |
| Memoranda: | ||
| Average total assets | $47,231,000 | 6,505 |
| Average earning assets | $44,926,250 | 6,423 |
| Average equity | $5,190,750 | 6,441 |
| Average total loans | $27,667,250 | 6,320 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 4,572 |
| Cost of funding earning assets | 1.7643% | 361 |
| Net interest margin | 2.9256% | 6,746 |
| Noninterest income to average assets | 0.0255% | 7,133 |
| Noninterest expense to average assets | 1.8587% | 7,000 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5729% | 4,196 |
| Return on assets (ROA) | 0.5729% | 4,324 |
| Pretax return on assets | 0.9463% | 3,447 |
| Return on Equity (ROE) | 5.2649% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.2649% | 2,830 |
| Net charge-offs to loans | -0.6103% | 7,416 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2632% | 4,826 |
| Assets per employee ($millions) | 6.7480% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 5,128 |
| Loan loss allowance to noncurrent loans | 14.3560% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 5.1613% | 1,180 |
| Noncurrent loans to loans | 8.9530% | 467 |
| Net loans and leases to total assets | 56.9079% | 4,830 |
| Net loans and leases to deposits | 64.0741% | 5,263 |
| Net loans and leases to core deposits | 66.2094% | 5,488 |
| Total domestic deposits to total assets | 88.8157% | 1,657 |
| Equity capital to assets | 11.0572% | 2,897 |
| Core capital (leverage) ratio | 11.0325% | 2,220 |
| Tier 1 risk-based capital ratio | 26.2022% | 797 |
| Total risk-based capital ratio | 25.8702% | 923 |
| Memoranda: | ||
| Average total assets | $47,129,000 | 6,562 |
| Average earning assets | $44,776,670 | 6,481 |
| Average equity | $5,128,330 | 6,492 |
| Average total loans | $27,856,000 | 6,372 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7738% | 4,185 |
| Cost of funding earning assets | 1.8182% | 348 |
| Net interest margin | 2.9556% | 6,663 |
| Noninterest income to average assets | 0.0085% | 7,276 |
| Noninterest expense to average assets | 1.8438% | 7,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5863% | 4,111 |
| Return on assets (ROA) | 0.5863% | 4,177 |
| Pretax return on assets | 0.9687% | 3,254 |
| Return on Equity (ROE) | 5.4320% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.4320% | 2,944 |
| Net charge-offs to loans | -1.2070% | 7,495 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5589% | 5,116 |
| Assets per employee ($millions) | 6.7251% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,386 |
| Loan loss allowance to noncurrent loans | 14.0000% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 5.3106% | 1,158 |
| Noncurrent loans to loans | 8.9334% | 504 |
| Net loans and leases to total assets | 58.7029% | 4,514 |
| Net loans and leases to deposits | 65.9138% | 4,988 |
| Net loans and leases to core deposits | 67.6880% | 5,332 |
| Total domestic deposits to total assets | 89.0602% | 1,734 |
| Equity capital to assets | 10.8420% | 2,840 |
| Core capital (leverage) ratio | 10.8776% | 2,287 |
| Tier 1 risk-based capital ratio | 25.4192% | 835 |
| Total risk-based capital ratio | 25.1067% | 966 |
| Memoranda: | ||
| Average total assets | $47,075,500 | 6,612 |
| Average earning assets | $44,660,500 | 6,537 |
| Average equity | $5,081,000 | 6,527 |
| Average total loans | $28,168,500 | 6,409 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 3,170 |
| Cost of funding earning assets | 2.2304% | 274 |
| Net interest margin | 3.0603% | 6,618 |
| Noninterest income to average assets | 0.0947% | 6,918 |
| Noninterest expense to average assets | 1.9539% | 7,091 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2486% | 5,111 |
| Return on assets (ROA) | -0.3960% | 6,338 |
| Pretax return on assets | 0.0301% | 5,836 |
| Return on Equity (ROE) | -3.5484% | 6,325 |
| Retained earnings to average equity (ytd only) | -3.5484% | 6,159 |
| Net charge-offs to loans | 0.3441% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 4.8200% | 2,791 |
| Efficiency ratio | 65.3237% | 5,105 |
| Assets per employee ($millions) | 6.7250% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 6,625 |
| Loan loss allowance to noncurrent loans | 10.2080% | 7,087 |
| Noncurrent assets plus other real estate owned to assets | 5.5146% | 1,124 |
| Noncurrent loans to loans | 9.1563% | 503 |
| Net loans and leases to total assets | 59.6644% | 4,731 |
| Net loans and leases to deposits | 66.9089% | 5,270 |
| Net loans and leases to core deposits | 68.2817% | 5,635 |
| Total domestic deposits to total assets | 89.1726% | 1,550 |
| Equity capital to assets | 10.7446% | 2,907 |
| Core capital (leverage) ratio | 10.7731% | 2,327 |
| Tier 1 risk-based capital ratio | 24.7814% | 862 |
| Total risk-based capital ratio | 24.4884% | 990 |
| Memoranda: | ||
| Average total assets | $46,470,200 | 6,651 |
| Average earning assets | $43,982,200 | 6,578 |
| Average equity | $5,185,400 | 6,605 |
| Average total loans | $29,060,200 | 6,443 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 2,554 |
| Cost of funding earning assets | 2.2802% | 293 |
| Net interest margin | 3.1905% | 6,376 |
| Noninterest income to average assets | 0.0432% | 7,307 |
| Noninterest expense to average assets | 1.7789% | 7,351 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7571% | 3,190 |
| Return on assets (ROA) | -0.5901% | 6,707 |
| Pretax return on assets | -0.0662% | 6,181 |
| Return on Equity (ROE) | -5.2390% | 6,663 |
| Retained earnings to average equity (ytd only) | -5.2390% | 6,571 |
| Net charge-offs to loans | 0.4560% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 4.4500% | 3,045 |
| Efficiency ratio | 58.1373% | 6,251 |
| Assets per employee ($millions) | 6.7656% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 7,085 |
| Loan loss allowance to noncurrent loans | 8.1784% | 7,202 |
| Noncurrent assets plus other real estate owned to assets | 6.0010% | 991 |
| Noncurrent loans to loans | 9.3015% | 494 |
| Net loans and leases to total assets | 60.6009% | 4,802 |
| Net loans and leases to deposits | 68.1160% | 5,402 |
| Net loans and leases to core deposits | 69.4999% | 5,800 |
| Total domestic deposits to total assets | 88.9673% | 1,405 |
| Equity capital to assets | 10.8765% | 3,079 |
| Core capital (leverage) ratio | 10.8182% | 2,398 |
| Tier 1 risk-based capital ratio | 24.6046% | 887 |
| Total risk-based capital ratio | 24.3402% | 1,025 |
| Memoranda: | ||
| Average total assets | $46,319,000 | 6,729 |
| Average earning assets | $43,795,500 | 6,667 |
| Average equity | $5,217,250 | 6,665 |
| Average total loans | $29,237,250 | 6,520 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6763% | 1,848 |
| Cost of funding earning assets | 2.3341% | 302 |
| Net interest margin | 3.3423% | 5,864 |
| Noninterest income to average assets | 0.0609% | 7,280 |
| Noninterest expense to average assets | 1.7576% | 7,441 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8918% | 2,577 |
| Return on assets (ROA) | 0.8918% | 2,701 |
| Pretax return on assets | 1.4617% | 1,664 |
| Return on Equity (ROE) | 7.8254% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.8254% | 1,503 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5946% | 6,807 |
| Assets per employee ($millions) | 7.6422% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,209 |
| Loan loss allowance to noncurrent loans | 15.3492% | 7,138 |
| Noncurrent assets plus other real estate owned to assets | 5.3061% | 1,179 |
| Noncurrent loans to loans | 8.1166% | 635 |
| Net loans and leases to total assets | 63.4440% | 4,366 |
| Net loans and leases to deposits | 71.7181% | 5,036 |
| Net loans and leases to core deposits | 73.2217% | 5,532 |
| Total domestic deposits to total assets | 88.4631% | 1,750 |
| Equity capital to assets | 11.4213% | 2,504 |
| Core capital (leverage) ratio | 11.3381% | 2,017 |
| Tier 1 risk-based capital ratio | 21.6787% | 1,246 |
| Total risk-based capital ratio | 21.7830% | 1,394 |
| Memoranda: | ||
| Average total assets | $45,972,330 | 6,790 |
| Average earning assets | $43,443,670 | 6,720 |
| Average equity | $5,239,330 | 6,703 |
| Average total loans | $29,343,000 | 6,559 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7136% | 1,726 |
| Cost of funding earning assets | 2.4091% | 294 |
| Net interest margin | 3.3045% | 5,957 |
| Noninterest income to average assets | 0.0695% | 7,365 |
| Noninterest expense to average assets | 1.8422% | 7,421 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8255% | 2,861 |
| Return on assets (ROA) | 0.8255% | 2,954 |
| Pretax return on assets | 1.3382% | 1,939 |
| Return on Equity (ROE) | 7.2512% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.2512% | 2,030 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9235% | 6,495 |
| Assets per employee ($millions) | 7.7422% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 5,147 |
| Loan loss allowance to noncurrent loans | 16.1177% | 7,174 |
| Noncurrent assets plus other real estate owned to assets | 4.9921% | 1,291 |
| Noncurrent loans to loans | 7.8245% | 704 |
| Net loans and leases to total assets | 61.8561% | 4,789 |
| Net loans and leases to deposits | 69.7461% | 5,380 |
| Net loans and leases to core deposits | 71.1766% | 5,810 |
| Total domestic deposits to total assets | 88.6875% | 1,682 |
| Equity capital to assets | 11.2242% | 2,560 |
| Core capital (leverage) ratio | 11.2013% | 2,093 |
| Tier 1 risk-based capital ratio | 21.6389% | 1,248 |
| Total risk-based capital ratio | 21.7471% | 1,397 |
| Memoranda: | ||
| Average total assets | $46,032,000 | 6,874 |
| Average earning assets | $43,335,000 | 6,806 |
| Average equity | $5,240,500 | 6,763 |
| Average total loans | $29,285,500 | 6,645 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 3,577 |
| Cost of funding earning assets | 2.8220% | 414 |
| Net interest margin | 2.7835% | 7,088 |
| Noninterest income to average assets | 0.0902% | 7,308 |
| Noninterest expense to average assets | 1.9046% | 7,500 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5411% | 3,569 |
| Return on assets (ROA) | -9.5296% | 7,972 |
| Pretax return on assets | -9.2461% | 7,954 |
| Return on Equity (ROE) | -66.9867% | 7,796 |
| Retained earnings to average equity (ytd only) | -66.9867% | 7,792 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7876% | 4,669 |
| Assets per employee ($millions) | 7.6018% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 5,086 |
| Loan loss allowance to noncurrent loans | 15.3878% | 7,242 |
| Noncurrent assets plus other real estate owned to assets | 5.3211% | 1,110 |
| Noncurrent loans to loans | 8.0930% | 615 |
| Net loans and leases to total assets | 63.8070% | 4,636 |
| Net loans and leases to deposits | 72.2338% | 5,296 |
| Net loans and leases to core deposits | 99.5042% | 4,050 |
| Total domestic deposits to total assets | 88.3340% | 1,801 |
| Equity capital to assets | 11.5477% | 2,284 |
| Core capital (leverage) ratio | 11.5477% | 1,890 |
| Tier 1 risk-based capital ratio | 21.7420% | 1,182 |
| Total risk-based capital ratio | 21.8617% | 1,324 |
| Memoranda: | ||
| Average total assets | $46,570,800 | 6,844 |
| Average earning assets | $44,153,400 | 6,758 |
| Average equity | $6,625,200 | 6,383 |
| Average total loans | $29,076,600 | 6,683 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5414% | 4,206 |
| Cost of funding earning assets | 2.8759% | 496 |
| Net interest margin | 2.6655% | 7,273 |
| Noninterest income to average assets | 0.1082% | 7,360 |
| Noninterest expense to average assets | 1.7745% | 7,689 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5698% | 3,730 |
| Return on assets (ROA) | -5.0528% | 7,848 |
| Pretax return on assets | -7.6590% | 7,988 |
| Return on Equity (ROE) | -33.9606% | 7,681 |
| Retained earnings to average equity (ytd only) | -33.9606% | 7,673 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3514% | 5,111 |
| Assets per employee ($millions) | 7.9353% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 4,883 |
| Loan loss allowance to noncurrent loans | 16.1532% | 7,277 |
| Noncurrent assets plus other real estate owned to assets | 4.8601% | 1,213 |
| Noncurrent loans to loans | 7.6983% | 659 |
| Net loans and leases to total assets | 61.2157% | 5,377 |
| Net loans and leases to deposits | 71.6452% | 5,708 |
| Net loans and leases to core deposits | 99.5118% | 4,430 |
| Total domestic deposits to total assets | 85.4427% | 3,000 |
| Equity capital to assets | 14.4396% | 1,162 |
| Core capital (leverage) ratio | 14.4235% | 973 |
| Tier 1 risk-based capital ratio | 26.6610% | 780 |
| Total risk-based capital ratio | 26.8435% | 829 |
| Memoranda: | ||
| Average total assets | $46,810,750 | 6,884 |
| Average earning assets | $44,367,750 | 6,800 |
| Average equity | $6,964,750 | 6,325 |
| Average total loans | $28,978,250 | 6,743 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 4,023 |
| Cost of funding earning assets | 2.9152% | 587 |
| Net interest margin | 2.6941% | 7,214 |
| Noninterest income to average assets | 0.0859% | 7,545 |
| Noninterest expense to average assets | 1.7919% | 7,752 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5672% | 3,820 |
| Return on assets (ROA) | 0.5672% | 3,933 |
| Pretax return on assets | 0.8594% | 3,477 |
| Return on Equity (ROE) | 3.7743% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.7743% | 3,197 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5851% | 5,231 |
| Assets per employee ($millions) | 7.8040% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 4,528 |
| Loan loss allowance to noncurrent loans | 18.9175% | 7,186 |
| Noncurrent assets plus other real estate owned to assets | 4.4016% | 1,288 |
| Noncurrent loans to loans | 6.6660% | 773 |
| Net loans and leases to total assets | 61.3702% | 5,466 |
| Net loans and leases to deposits | 72.0309% | 5,728 |
| Net loans and leases to core deposits | 99.6912% | 4,539 |
| Total domestic deposits to total assets | 85.1999% | 3,166 |
| Equity capital to assets | 14.6720% | 1,117 |
| Core capital (leverage) ratio | 14.6519% | 989 |
| Tier 1 risk-based capital ratio | 26.9488% | 787 |
| Total risk-based capital ratio | 27.1216% | 847 |
| Memoranda: | ||
| Average total assets | $46,543,670 | 6,959 |
| Average earning assets | $44,319,000 | 6,868 |
| Average equity | $6,994,670 | 6,374 |
| Average total loans | $28,800,000 | 6,805 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6448% | 4,082 |
| Cost of funding earning assets | 2.9671% | 653 |
| Net interest margin | 2.6776% | 7,252 |
| Noninterest income to average assets | 0.0948% | 7,574 |
| Noninterest expense to average assets | 1.6895% | 7,833 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6293% | 3,889 |
| Return on assets (ROA) | 0.6293% | 4,070 |
| Pretax return on assets | 0.9568% | 3,510 |
| Return on Equity (ROE) | 4.1377% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.1377% | 3,606 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8436% | 5,719 |
| Assets per employee ($millions) | 7.7340% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 4,175 |
| Loan loss allowance to noncurrent loans | 21.9599% | 7,068 |
| Noncurrent assets plus other real estate owned to assets | 3.8682% | 1,358 |
| Noncurrent loans to loans | 5.8430% | 839 |
| Net loans and leases to total assets | 61.6757% | 5,393 |
| Net loans and leases to deposits | 72.5457% | 5,673 |
| Net loans and leases to core deposits | 99.8918% | 4,549 |
| Total domestic deposits to total assets | 85.0164% | 3,195 |
| Equity capital to assets | 14.8716% | 1,137 |
| Core capital (leverage) ratio | 14.8440% | 1,000 |
| Tier 1 risk-based capital ratio | 27.2206% | 805 |
| Total risk-based capital ratio | 27.3866% | 863 |
| Memoranda: | ||
| Average total assets | $46,403,500 | 7,015 |
| Average earning assets | $44,218,000 | 6,922 |
| Average equity | $7,057,000 | 6,382 |
| Average total loans | $28,648,500 | 6,836 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7612% | 6,555 |
| Cost of funding earning assets | 3.3030% | 920 |
| Net interest margin | 2.4582% | 7,799 |
| Noninterest income to average assets | 0.0230% | 8,025 |
| Noninterest expense to average assets | 1.6800% | 7,883 |
| Loan and lease loss provision to assets | 0.0355% | 6,962 |
| Net operating income to assets | 0.4508% | 4,951 |
| Return on assets (ROA) | 0.4508% | 4,774 |
| Pretax return on assets | 0.6574% | 4,523 |
| Return on Equity (ROE) | 2.6403% | 5,369 |
| Retained earnings to average equity (ytd only) | 2.6403% | 3,541 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8004% | 4,179 |
| Assets per employee ($millions) | 6.6290% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 3,559 |
| Loan loss allowance to noncurrent loans | 25.4889% | 6,978 |
| Noncurrent assets plus other real estate owned to assets | 3.2864% | 1,375 |
| Noncurrent loans to loans | 5.2394% | 809 |
| Net loans and leases to total assets | 60.1836% | 5,884 |
| Net loans and leases to deposits | 71.3880% | 6,127 |
| Net loans and leases to core deposits | 98.4316% | 4,998 |
| Total domestic deposits to total assets | 84.3049% | 3,175 |
| Equity capital to assets | 15.5443% | 1,039 |
| Core capital (leverage) ratio | 15.5042% | 922 |
| Tier 1 risk-based capital ratio | 28.6015% | 729 |
| Total risk-based capital ratio | 28.5498% | 783 |
| Memoranda: | ||
| Average total assets | $47,916,200 | 6,868 |
| Average earning assets | $45,806,200 | 6,777 |
| Average equity | $8,180,800 | 6,012 |
| Average total loans | $28,328,600 | 6,815 |