Home > Mayville Savings Bank > Performance and Condition Ratios
Mayville 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 | 4.2438% | 3,542 |
| Cost of funding earning assets | 0.5811% | 4,098 |
| Net interest margin | 3.6627% | 1,829 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.5072% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8841% | 2,597 |
| Return on assets (ROA) | 0.8841% | 2,568 |
| Pretax return on assets | 1.1324% | 2,309 |
| Return on Equity (ROE) | 7.4000% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.3960% | 1,757 |
| Net charge-offs to loans | -0.0022% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.8871% | 2,020 |
| Assets per employee ($millions) | 5.7270% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 2,981 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.2100% | 2,442 |
| Net loans and leases to deposits | 73.7142% | 2,637 |
| Net loans and leases to core deposits | 75.2400% | 3,017 |
| Total domestic deposits to total assets | 87.1100% | 1,640 |
| Equity capital to assets | 12.6753% | 953 |
| Core capital (leverage) ratio | 14.0183% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4397% | 325 |
| Memoranda: | ||
| Average total assets | $68,881,000 | 4,124 |
| Average earning assets | $64,705,800 | 4,094 |
| Average equity | $8,234,200 | 3,903 |
| Average total loans | $44,659,400 | 3,920 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 3,472 |
| Cost of funding earning assets | 0.5170% | 4,107 |
| Net interest margin | 3.6784% | 1,822 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.4936% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8957% | 2,695 |
| Return on assets (ROA) | 0.8957% | 2,682 |
| Pretax return on assets | 1.1569% | 2,395 |
| Return on Equity (ROE) | 7.6100% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.6071% | 2,101 |
| Net charge-offs to loans | -0.0030% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.3095% | 1,984 |
| Assets per employee ($millions) | 4.9585% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,029 |
| Loan loss allowance to noncurrent loans | 190.0398% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 1,483 |
| Noncurrent loans to loans | 0.5619% | 1,426 |
| Net loans and leases to total assets | 68.5600% | 1,992 |
| Net loans and leases to deposits | 78.9211% | 2,153 |
| Net loans and leases to core deposits | 80.2306% | 2,583 |
| Total domestic deposits to total assets | 86.8700% | 1,929 |
| Equity capital to assets | 12.9150% | 833 |
| Core capital (leverage) ratio | 13.8817% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6897% | 330 |
| Memoranda: | ||
| Average total assets | $68,920,250 | 4,137 |
| Average earning assets | $64,736,500 | 4,109 |
| Average equity | $8,115,000 | 3,921 |
| Average total loans | $44,672,750 | 3,929 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,489 |
| Cost of funding earning assets | 0.4566% | 4,072 |
| Net interest margin | 3.6434% | 1,929 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.4628% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8664% | 2,869 |
| Return on assets (ROA) | 0.8664% | 2,867 |
| Pretax return on assets | 1.1505% | 2,509 |
| Return on Equity (ROE) | 7.5800% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.5823% | 2,101 |
| Net charge-offs to loans | -0.0045% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.1604% | 1,968 |
| Assets per employee ($millions) | 5.1830% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,204 |
| Loan loss allowance to noncurrent loans | 184.1699% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 1,382 |
| Noncurrent loans to loans | 0.5694% | 1,316 |
| Net loans and leases to total assets | 66.8100% | 2,076 |
| Net loans and leases to deposits | 76.3696% | 2,274 |
| Net loans and leases to core deposits | 77.5658% | 2,650 |
| Total domestic deposits to total assets | 87.4800% | 1,784 |
| Equity capital to assets | 12.2189% | 991 |
| Core capital (leverage) ratio | 13.2454% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1692% | 346 |
| Memoranda: | ||
| Average total assets | $70,407,000 | 4,143 |
| Average earning assets | $66,147,667 | 4,114 |
| Average equity | $8,045,000 | 3,950 |
| Average total loans | $44,673,000 | 3,940 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 3,407 |
| Cost of funding earning assets | 0.4077% | 3,950 |
| Net interest margin | 3.6162% | 2,091 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.5750% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7564% | 3,327 |
| Return on assets (ROA) | 0.7564% | 3,278 |
| Pretax return on assets | 1.0011% | 2,991 |
| Return on Equity (ROE) | 6.8400% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.8419% | 2,539 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.0062% | 1,531 |
| Assets per employee ($millions) | 5.3006% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,264 |
| Loan loss allowance to noncurrent loans | 178.2772% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 1,337 |
| Noncurrent loans to loans | 0.5921% | 1,258 |
| Net loans and leases to total assets | 64.7400% | 2,176 |
| Net loans and leases to deposits | 73.5683% | 2,331 |
| Net loans and leases to core deposits | 75.7158% | 2,554 |
| Total domestic deposits to total assets | 88.0100% | 1,922 |
| Equity capital to assets | 11.7446% | 1,074 |
| Core capital (leverage) ratio | 12.3819% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5640% | 372 |
| Memoranda: | ||
| Average total assets | $71,921,000 | 4,181 |
| Average earning assets | $67,695,000 | 4,156 |
| Average equity | $7,951,000 | 4,009 |
| Average total loans | $44,264,500 | 3,995 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2958% | 3,591 |
| Cost of funding earning assets | 0.3344% | 2,591 |
| Net interest margin | 2.9614% | 3,543 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.1737% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5835% | 3,917 |
| Return on assets (ROA) | 0.5835% | 3,883 |
| Pretax return on assets | 0.7675% | 3,700 |
| Return on Equity (ROE) | 5.7100% | 3,882 |
| Retained earnings to average equity (ytd only) | 5.7109% | 2,744 |
| Net charge-offs to loans | -0.0024% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.9053% | 1,228 |
| Assets per employee ($millions) | 5.3524% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 1,779 |
| Loan loss allowance to noncurrent loans | 210.2190% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 1,400 |
| Noncurrent loans to loans | 0.6308% | 1,174 |
| Net loans and leases to total assets | 57.2000% | 2,897 |
| Net loans and leases to deposits | 63.9565% | 3,047 |
| Net loans and leases to core deposits | 65.1423% | 3,189 |
| Total domestic deposits to total assets | 89.4400% | 1,584 |
| Equity capital to assets | 10.4212% | 1,489 |
| Core capital (leverage) ratio | 11.2861% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3839% | 399 |
| Memoranda: | ||
| Average total assets | $76,092,000 | 4,167 |
| Average earning assets | $70,574,000 | 4,149 |
| Average equity | $7,774,600 | 4,122 |
| Average total loans | $41,092,800 | 4,048 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0904% | 3,694 |
| Cost of funding earning assets | 0.3249% | 1,915 |
| Net interest margin | 2.7655% | 3,808 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.1279% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4818% | 4,113 |
| Return on assets (ROA) | 0.4818% | 4,061 |
| Pretax return on assets | 0.6284% | 3,938 |
| Return on Equity (ROE) | 4.7400% | 4,024 |
| Retained earnings to average equity (ytd only) | 4.7385% | 3,183 |
| Net charge-offs to loans | -0.0033% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.2008% | 980 |
| Assets per employee ($millions) | 6.2573% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 1,893 |
| Loan loss allowance to noncurrent loans | 202.8169% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 1,429 |
| Noncurrent loans to loans | 0.6554% | 1,243 |
| Net loans and leases to total assets | 56.9500% | 2,805 |
| Net loans and leases to deposits | 63.4755% | 2,901 |
| Net loans and leases to core deposits | 64.6610% | 3,060 |
| Total domestic deposits to total assets | 89.7100% | 1,780 |
| Equity capital to assets | 10.1029% | 1,566 |
| Core capital (leverage) ratio | 10.8518% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7294% | 448 |
| Memoranda: | ||
| Average total assets | $76,381,500 | 4,192 |
| Average earning assets | $70,582,000 | 4,187 |
| Average equity | $7,766,000 | 4,165 |
| Average total loans | $40,506,250 | 4,078 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8782% | 3,835 |
| Cost of funding earning assets | 0.3396% | 1,367 |
| Net interest margin | 2.5386% | 4,021 |
| Noninterest income to average assets | 0.2109% | 3,938 |
| Noninterest expense to average assets | 2.0882% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3567% | 4,197 |
| Return on assets (ROA) | 0.3567% | 4,150 |
| Pretax return on assets | 0.4583% | 4,068 |
| Return on Equity (ROE) | 3.5012% | 4,135 |
| Retained earnings to average equity (ytd only) | 3.5012% | 3,277 |
| Net charge-offs to loans | -0.0051% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0041% | 798 |
| Assets per employee ($millions) | 6.3318% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 1,486 |
| Loan loss allowance to noncurrent loans | 197.2603% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 1,464 |
| Noncurrent loans to loans | 0.7459% | 1,152 |
| Net loans and leases to total assets | 50.7653% | 3,292 |
| Net loans and leases to deposits | 56.5680% | 3,335 |
| Net loans and leases to core deposits | 57.6114% | 3,455 |
| Total domestic deposits to total assets | 89.7422% | 1,826 |
| Equity capital to assets | 10.0880% | 1,666 |
| Core capital (leverage) ratio | 10.7755% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6153% | 393 |
| Memoranda: | ||
| Average total assets | $76,813,000 | 4,238 |
| Average earning assets | $70,669,333 | 4,239 |
| Average equity | $7,826,000 | 4,224 |
| Average total loans | $39,563,333 | 4,145 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8279% | 3,691 |
| Cost of funding earning assets | 0.3592% | 1,139 |
| Net interest margin | 2.4687% | 3,956 |
| Noninterest income to average assets | 0.2124% | 3,890 |
| Noninterest expense to average assets | 2.1702% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2331% | 4,277 |
| Return on assets (ROA) | 0.2331% | 4,243 |
| Pretax return on assets | 0.2849% | 4,206 |
| Return on Equity (ROE) | 2.2766% | 4,220 |
| Retained earnings to average equity (ytd only) | 2.2766% | 3,471 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3966% | 613 |
| Assets per employee ($millions) | 6.3909% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,633 |
| Loan loss allowance to noncurrent loans | 192.3077% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 1,545 |
| Noncurrent loans to loans | 0.7670% | 1,243 |
| Net loans and leases to total assets | 50.0828% | 3,164 |
| Net loans and leases to deposits | 55.8116% | 3,284 |
| Net loans and leases to core deposits | 57.0688% | 3,372 |
| Total domestic deposits to total assets | 89.7354% | 1,700 |
| Equity capital to assets | 10.1081% | 1,821 |
| Core capital (leverage) ratio | 10.4899% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2331% | 418 |
| Memoranda: | ||
| Average total assets | $77,229,000 | 4,252 |
| Average earning assets | $70,158,500 | 4,264 |
| Average equity | $7,906,500 | 4,277 |
| Average total loans | $39,771,000 | 4,160 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2044% | 3,459 |
| Cost of funding earning assets | 0.4559% | 1,156 |
| Net interest margin | 2.7485% | 3,784 |
| Noninterest income to average assets | 0.2663% | 3,788 |
| Noninterest expense to average assets | 2.1358% | 3,284 |
| Loan and lease loss provision to assets | 0.0476% | 2,113 |
| Net operating income to assets | 0.4701% | 4,141 |
| Return on assets (ROA) | 0.4701% | 4,186 |
| Pretax return on assets | 0.6141% | 4,084 |
| Return on Equity (ROE) | 4.3410% | 4,143 |
| Retained earnings to average equity (ytd only) | 4.3410% | 3,074 |
| Net charge-offs to loans | -0.0164% | 3,909 |
| Credit loss provision to net charge-offs | -500.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3477% | 1,077 |
| Assets per employee ($millions) | 6.4806% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 1,852 |
| Loan loss allowance to noncurrent loans | 187.2964% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 1,643 |
| Noncurrent loans to loans | 0.7569% | 1,340 |
| Net loans and leases to total assets | 51.4138% | 3,128 |
| Net loans and leases to deposits | 57.4683% | 3,298 |
| Net loans and leases to core deposits | 59.0469% | 3,388 |
| Total domestic deposits to total assets | 89.4647% | 1,261 |
| Equity capital to assets | 10.3656% | 2,306 |
| Core capital (leverage) ratio | 10.4312% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6162% | 458 |
| Memoranda: | ||
| Average total assets | $73,601,000 | 4,299 |
| Average earning assets | $67,781,800 | 4,294 |
| Average equity | $7,970,600 | 4,329 |
| Average total loans | $42,730,800 | 4,136 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2576% | 3,495 |
| Cost of funding earning assets | 0.4736% | 1,191 |
| Net interest margin | 2.7840% | 3,813 |
| Noninterest income to average assets | 0.2848% | 3,742 |
| Noninterest expense to average assets | 2.1260% | 3,287 |
| Loan and lease loss provision to assets | 0.0648% | 1,704 |
| Net operating income to assets | 0.5072% | 4,186 |
| Return on assets (ROA) | 0.5072% | 4,231 |
| Pretax return on assets | 0.6652% | 4,129 |
| Return on Equity (ROE) | 4.6300% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.6300% | 3,363 |
| Net charge-offs to loans | -0.0185% | 3,933 |
| Credit loss provision to net charge-offs | -583.3333% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4530% | 1,178 |
| Assets per employee ($millions) | 6.2947% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 2,256 |
| Loan loss allowance to noncurrent loans | 77.1505% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 677 |
| Noncurrent loans to loans | 1.7422% | 569 |
| Net loans and leases to total assets | 55.7747% | 2,752 |
| Net loans and leases to deposits | 62.5854% | 2,988 |
| Net loans and leases to core deposits | 64.3816% | 3,097 |
| Total domestic deposits to total assets | 89.1178% | 1,219 |
| Equity capital to assets | 10.6333% | 2,333 |
| Core capital (leverage) ratio | 10.6319% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8425% | 544 |
| Memoranda: | ||
| Average total assets | $72,559,500 | 4,362 |
| Average earning assets | $67,000,500 | 4,355 |
| Average equity | $7,948,000 | 4,394 |
| Average total loans | $43,274,000 | 4,181 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3752% | 3,247 |
| Cost of funding earning assets | 0.4908% | 1,261 |
| Net interest margin | 2.8844% | 3,616 |
| Noninterest income to average assets | 0.2850% | 3,718 |
| Noninterest expense to average assets | 2.1239% | 3,322 |
| Loan and lease loss provision to assets | 0.0838% | 1,462 |
| Net operating income to assets | 0.5729% | 4,042 |
| Return on assets (ROA) | 0.5729% | 4,094 |
| Pretax return on assets | 0.7545% | 3,959 |
| Return on Equity (ROE) | 5.1768% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.1768% | 3,125 |
| Net charge-offs to loans | -0.0184% | 3,959 |
| Credit loss provision to net charge-offs | -750.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6981% | 1,460 |
| Assets per employee ($millions) | 6.1668% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 2,217 |
| Loan loss allowance to noncurrent loans | 70.3474% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0892% | 686 |
| Noncurrent loans to loans | 1.9115% | 521 |
| Net loans and leases to total assets | 56.2120% | 2,872 |
| Net loans and leases to deposits | 63.2064% | 3,083 |
| Net loans and leases to core deposits | 65.0599% | 3,188 |
| Total domestic deposits to total assets | 88.9341% | 1,313 |
| Equity capital to assets | 10.8078% | 2,142 |
| Core capital (leverage) ratio | 10.7370% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0892% | 536 |
| Memoranda: | ||
| Average total assets | $71,567,333 | 4,403 |
| Average earning assets | $66,426,333 | 4,390 |
| Average equity | $7,920,000 | 4,419 |
| Average total loans | $43,464,000 | 4,208 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5476% | 2,790 |
| Cost of funding earning assets | 0.5138% | 1,311 |
| Net interest margin | 3.0338% | 3,173 |
| Noninterest income to average assets | 0.2502% | 3,901 |
| Noninterest expense to average assets | 2.1038% | 3,415 |
| Loan and lease loss provision to assets | 0.0853% | 1,534 |
| Net operating income to assets | 0.6652% | 3,790 |
| Return on assets (ROA) | 0.6652% | 3,863 |
| Pretax return on assets | 0.8813% | 3,646 |
| Return on Equity (ROE) | 5.9383% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.9383% | 2,923 |
| Net charge-offs to loans | -0.0181% | 3,946 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5185% | 1,868 |
| Assets per employee ($millions) | 5.9798% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,595 |
| Loan loss allowance to noncurrent loans | 67.0732% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 671 |
| Noncurrent loans to loans | 1.8838% | 597 |
| Net loans and leases to total assets | 59.8938% | 2,554 |
| Net loans and leases to deposits | 67.5022% | 2,751 |
| Net loans and leases to core deposits | 69.5369% | 2,902 |
| Total domestic deposits to total assets | 88.7286% | 1,482 |
| Equity capital to assets | 11.0275% | 1,834 |
| Core capital (leverage) ratio | 11.1201% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9624% | 517 |
| Memoranda: | ||
| Average total assets | $70,350,000 | 4,431 |
| Average earning assets | $65,397,000 | 4,417 |
| Average equity | $7,881,000 | 4,442 |
| Average total loans | $44,113,500 | 4,203 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 3,540 |
| Cost of funding earning assets | 0.7061% | 1,693 |
| Net interest margin | 3.0090% | 3,863 |
| Noninterest income to average assets | 0.2467% | 4,014 |
| Noninterest expense to average assets | 2.2117% | 3,642 |
| Loan and lease loss provision to assets | 0.1524% | 2,470 |
| Net operating income to assets | 0.5529% | 3,898 |
| Return on assets (ROA) | 0.5529% | 3,995 |
| Pretax return on assets | 0.7213% | 3,839 |
| Return on Equity (ROE) | 4.9954% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.9954% | 2,269 |
| Net charge-offs to loans | -0.0348% | 4,584 |
| Credit loss provision to net charge-offs | -617.6471% | 3,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6839% | 1,723 |
| Assets per employee ($millions) | 5.3033% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,986 |
| Loan loss allowance to noncurrent loans | 40.3482% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.9161% | 305 |
| Noncurrent loans to loans | 2.9553% | 288 |
| Net loans and leases to total assets | 64.0616% | 2,354 |
| Net loans and leases to deposits | 72.5126% | 2,637 |
| Net loans and leases to core deposits | 74.7968% | 2,838 |
| Total domestic deposits to total assets | 88.3454% | 1,306 |
| Equity capital to assets | 11.3848% | 1,967 |
| Core capital (leverage) ratio | 10.8451% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7014% | 526 |
| Memoranda: | ||
| Average total assets | $68,906,600 | 4,403 |
| Average earning assets | $65,005,200 | 4,373 |
| Average equity | $7,627,000 | 4,462 |
| Average total loans | $48,809,400 | 4,131 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 3,616 |
| Cost of funding earning assets | 0.7827% | 1,577 |
| Net interest margin | 2.9982% | 3,980 |
| Noninterest income to average assets | 0.2245% | 4,150 |
| Noninterest expense to average assets | 2.1655% | 3,763 |
| Loan and lease loss provision to assets | 0.1451% | 2,569 |
| Net operating income to assets | 0.5767% | 3,840 |
| Return on assets (ROA) | 0.5767% | 3,935 |
| Pretax return on assets | 0.7528% | 3,773 |
| Return on Equity (ROE) | 5.2476% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.2476% | 2,454 |
| Net charge-offs to loans | -0.0348% | 4,575 |
| Credit loss provision to net charge-offs | -576.9231% | 3,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6886% | 1,794 |
| Assets per employee ($millions) | 4.9658% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,617 |
| Loan loss allowance to noncurrent loans | 152.1341% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 2,308 |
| Noncurrent loans to loans | 0.6703% | 2,108 |
| Net loans and leases to total assets | 69.6696% | 2,008 |
| Net loans and leases to deposits | 78.7548% | 2,451 |
| Net loans and leases to core deposits | 86.1235% | 2,290 |
| Total domestic deposits to total assets | 88.4639% | 986 |
| Equity capital to assets | 11.1837% | 2,248 |
| Core capital (leverage) ratio | 10.9950% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3153% | 635 |
| Memoranda: | ||
| Average total assets | $68,897,500 | 4,414 |
| Average earning assets | $65,238,500 | 4,385 |
| Average equity | $7,571,500 | 4,488 |
| Average total loans | $49,837,000 | 4,137 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,736 |
| Cost of funding earning assets | 0.8191% | 1,737 |
| Net interest margin | 3.0320% | 4,052 |
| Noninterest income to average assets | 0.1805% | 4,382 |
| Noninterest expense to average assets | 2.1954% | 3,802 |
| Loan and lease loss provision to assets | 0.1310% | 2,709 |
| Net operating income to assets | 0.5649% | 3,847 |
| Return on assets (ROA) | 0.5649% | 3,927 |
| Pretax return on assets | 0.7425% | 3,762 |
| Return on Equity (ROE) | 5.1708% | 3,781 |
| Retained earnings to average equity (ytd only) | 5.1708% | 2,394 |
| Net charge-offs to loans | -0.0359% | 4,591 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5370% | 1,757 |
| Assets per employee ($millions) | 4.9886% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 3,772 |
| Loan loss allowance to noncurrent loans | 117.4242% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 2,105 |
| Noncurrent loans to loans | 0.8142% | 1,867 |
| Net loans and leases to total assets | 68.9777% | 2,191 |
| Net loans and leases to deposits | 77.7954% | 2,683 |
| Net loans and leases to core deposits | 84.9765% | 2,521 |
| Total domestic deposits to total assets | 88.6655% | 882 |
| Equity capital to assets | 10.9722% | 2,369 |
| Core capital (leverage) ratio | 10.7991% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1283% | 658 |
| Memoranda: | ||
| Average total assets | $68,689,667 | 4,419 |
| Average earning assets | $65,434,333 | 4,384 |
| Average equity | $7,503,667 | 4,518 |
| Average total loans | $50,138,000 | 4,140 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 3,780 |
| Cost of funding earning assets | 0.8804% | 1,968 |
| Net interest margin | 3.1215% | 4,045 |
| Noninterest income to average assets | 0.1586% | 4,580 |
| Noninterest expense to average assets | 2.1376% | 4,145 |
| Loan and lease loss provision to assets | 0.0881% | 2,587 |
| Net operating income to assets | 0.6871% | 3,311 |
| Return on assets (ROA) | 0.6871% | 3,385 |
| Pretax return on assets | 0.9102% | 3,109 |
| Return on Equity (ROE) | 6.3039% | 3,202 |
| Retained earnings to average equity (ytd only) | 6.3039% | 1,772 |
| Net charge-offs to loans | -0.0393% | 4,555 |
| Credit loss provision to net charge-offs | -300.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1648% | 2,638 |
| Assets per employee ($millions) | 4.9268% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 4,267 |
| Loan loss allowance to noncurrent loans | 108.2915% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 2,272 |
| Noncurrent loans to loans | 0.7869% | 2,042 |
| Net loans and leases to total assets | 72.7075% | 1,822 |
| Net loans and leases to deposits | 81.8254% | 2,475 |
| Net loans and leases to core deposits | 89.4418% | 2,401 |
| Total domestic deposits to total assets | 88.8568% | 727 |
| Equity capital to assets | 10.8648% | 2,972 |
| Core capital (leverage) ratio | 10.9892% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7444% | 772 |
| Memoranda: | ||
| Average total assets | $68,114,500 | 4,439 |
| Average earning assets | $64,969,000 | 4,399 |
| Average equity | $7,424,000 | 4,560 |
| Average total loans | $50,887,500 | 4,139 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 3,698 |
| Cost of funding earning assets | 0.9376% | 2,026 |
| Net interest margin | 3.3073% | 3,973 |
| Noninterest income to average assets | 0.1638% | 4,670 |
| Noninterest expense to average assets | 2.3311% | 3,865 |
| Loan and lease loss provision to assets | 0.0918% | 2,195 |
| Net operating income to assets | 0.6673% | 3,963 |
| Return on assets (ROA) | 0.6673% | 4,037 |
| Pretax return on assets | 0.8831% | 3,784 |
| Return on Equity (ROE) | 6.1265% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.1265% | 1,805 |
| Net charge-offs to loans | -0.0297% | 4,709 |
| Credit loss provision to net charge-offs | -400.0000% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5093% | 2,098 |
| Assets per employee ($millions) | 4.8039% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 4,294 |
| Loan loss allowance to noncurrent loans | 102.4938% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 2,113 |
| Noncurrent loans to loans | 0.7833% | 1,942 |
| Net loans and leases to total assets | 75.5093% | 1,501 |
| Net loans and leases to deposits | 85.0907% | 2,197 |
| Net loans and leases to core deposits | 93.9122% | 2,068 |
| Total domestic deposits to total assets | 88.7397% | 775 |
| Equity capital to assets | 10.9347% | 3,067 |
| Core capital (leverage) ratio | 10.8871% | 2,603 |
| Tier 1 risk-based capital ratio | 19.0656% | 1,499 |
| Total risk-based capital ratio | 20.1342% | 1,511 |
| Memoranda: | ||
| Average total assets | $65,335,000 | 4,512 |
| Average earning assets | $62,074,800 | 4,480 |
| Average equity | $7,116,600 | 4,623 |
| Average total loans | $50,494,000 | 4,170 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 3,704 |
| Cost of funding earning assets | 0.9337% | 2,066 |
| Net interest margin | 3.3514% | 3,984 |
| Noninterest income to average assets | 0.1542% | 4,776 |
| Noninterest expense to average assets | 2.2840% | 3,993 |
| Loan and lease loss provision to assets | 0.0925% | 2,060 |
| Net operating income to assets | 0.7195% | 3,948 |
| Return on assets (ROA) | 0.7195% | 4,015 |
| Pretax return on assets | 0.9580% | 3,718 |
| Return on Equity (ROE) | 6.6125% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.6125% | 2,050 |
| Net charge-offs to loans | -0.0318% | 4,714 |
| Credit loss provision to net charge-offs | -375.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4957% | 2,342 |
| Assets per employee ($millions) | 5.1173% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 4,488 |
| Loan loss allowance to noncurrent loans | 89.3182% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 2,034 |
| Noncurrent loans to loans | 0.8631% | 1,858 |
| Net loans and leases to total assets | 76.0436% | 1,473 |
| Net loans and leases to deposits | 85.6872% | 2,234 |
| Net loans and leases to core deposits | 94.6366% | 2,117 |
| Total domestic deposits to total assets | 88.7456% | 715 |
| Equity capital to assets | 10.9192% | 3,173 |
| Core capital (leverage) ratio | 10.8716% | 2,772 |
| Tier 1 risk-based capital ratio | 19.0900% | 1,546 |
| Total risk-based capital ratio | 20.1254% | 1,559 |
| Memoranda: | ||
| Average total assets | $64,855,250 | 4,577 |
| Average earning assets | $61,544,500 | 4,540 |
| Average equity | $7,057,250 | 4,691 |
| Average total loans | $50,319,000 | 4,218 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 3,692 |
| Cost of funding earning assets | 0.9093% | 2,096 |
| Net interest margin | 3.3712% | 3,985 |
| Noninterest income to average assets | 0.1649% | 4,765 |
| Noninterest expense to average assets | 2.3702% | 3,817 |
| Loan and lease loss provision to assets | 0.0933% | 1,983 |
| Net operating income to assets | 0.6843% | 4,050 |
| Return on assets (ROA) | 0.6843% | 4,107 |
| Pretax return on assets | 0.8958% | 3,859 |
| Return on Equity (ROE) | 6.2962% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.2962% | 2,145 |
| Net charge-offs to loans | -0.0319% | 4,707 |
| Credit loss provision to net charge-offs | -375.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5556% | 2,145 |
| Assets per employee ($millions) | 4.8269% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 4,641 |
| Loan loss allowance to noncurrent loans | 91.4425% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 1,770 |
| Noncurrent loans to loans | 0.8015% | 1,991 |
| Net loans and leases to total assets | 74.9589% | 1,731 |
| Net loans and leases to deposits | 84.1110% | 2,486 |
| Net loans and leases to core deposits | 92.6492% | 2,352 |
| Total domestic deposits to total assets | 89.1191% | 616 |
| Equity capital to assets | 10.5302% | 3,492 |
| Core capital (leverage) ratio | 10.7660% | 2,822 |
| Tier 1 risk-based capital ratio | 18.3615% | 1,707 |
| Total risk-based capital ratio | 19.3265% | 1,740 |
| Memoranda: | ||
| Average total assets | $64,298,670 | 4,621 |
| Average earning assets | $60,927,330 | 4,585 |
| Average equity | $6,988,330 | 4,726 |
| Average total loans | $50,098,330 | 4,255 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 3,712 |
| Cost of funding earning assets | 0.8539% | 2,249 |
| Net interest margin | 3.3955% | 3,901 |
| Noninterest income to average assets | 0.1724% | 4,705 |
| Noninterest expense to average assets | 2.3428% | 3,915 |
| Loan and lease loss provision to assets | 0.0958% | 1,828 |
| Net operating income to assets | 0.7150% | 3,885 |
| Return on assets (ROA) | 0.7150% | 3,930 |
| Pretax return on assets | 0.9576% | 3,596 |
| Return on Equity (ROE) | 6.4698% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.4698% | 2,256 |
| Net charge-offs to loans | -0.0322% | 4,674 |
| Credit loss provision to net charge-offs | -375.0000% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9850% | 2,501 |
| Assets per employee ($millions) | 4.5132% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 4,759 |
| Loan loss allowance to noncurrent loans | 78.3664% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9148% | 1,534 |
| Noncurrent loans to loans | 0.9081% | 1,840 |
| Net loans and leases to total assets | 78.3889% | 1,089 |
| Net loans and leases to deposits | 88.4338% | 1,816 |
| Net loans and leases to core deposits | 98.1181% | 1,763 |
| Total domestic deposits to total assets | 88.6413% | 1,020 |
| Equity capital to assets | 11.0643% | 2,785 |
| Core capital (leverage) ratio | 11.2193% | 2,372 |
| Tier 1 risk-based capital ratio | 18.5127% | 1,660 |
| Total risk-based capital ratio | 19.4505% | 1,694 |
| Memoranda: | ||
| Average total assets | $62,659,500 | 4,692 |
| Average earning assets | $59,491,000 | 4,665 |
| Average equity | $6,924,500 | 4,769 |
| Average total loans | $49,633,000 | 4,309 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 3,486 |
| Cost of funding earning assets | 0.6631% | 2,303 |
| Net interest margin | 3.5194% | 3,636 |
| Noninterest income to average assets | 0.0564% | 5,255 |
| Noninterest expense to average assets | 2.4822% | 3,664 |
| Loan and lease loss provision to assets | 0.0663% | 2,826 |
| Net operating income to assets | 0.6898% | 4,166 |
| Return on assets (ROA) | 0.6898% | 4,170 |
| Pretax return on assets | 0.8871% | 3,928 |
| Return on Equity (ROE) | 6.2506% | 4,093 |
| Retained earnings to average equity (ytd only) | 6.2506% | 2,062 |
| Net charge-offs to loans | 0.0622% | 2,238 |
| Credit loss provision to net charge-offs | 133.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 2,083 |
| Efficiency ratio | 72.2490% | 1,864 |
| Assets per employee ($millions) | 4.4381% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 4,842 |
| Loan loss allowance to noncurrent loans | 51.6129% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2489% | 1,031 |
| Noncurrent loans to loans | 1.3183% | 1,191 |
| Net loans and leases to total assets | 78.9342% | 1,106 |
| Net loans and leases to deposits | 88.9964% | 1,928 |
| Net loans and leases to core deposits | 99.3659% | 1,770 |
| Total domestic deposits to total assets | 88.6938% | 985 |
| Equity capital to assets | 11.0374% | 2,649 |
| Core capital (leverage) ratio | 11.3610% | 2,215 |
| Tier 1 risk-based capital ratio | 18.5736% | 1,602 |
| Total risk-based capital ratio | 19.4786% | 1,639 |
| Memoranda: | ||
| Average total assets | $60,309,000 | 4,758 |
| Average earning assets | $57,907,400 | 4,709 |
| Average equity | $6,655,400 | 4,800 |
| Average total loans | $48,214,400 | 4,349 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 3,566 |
| Cost of funding earning assets | 0.6382% | 2,221 |
| Net interest margin | 3.4822% | 3,755 |
| Noninterest income to average assets | 0.0334% | 5,380 |
| Noninterest expense to average assets | 2.3635% | 3,940 |
| Loan and lease loss provision to assets | 0.0713% | 2,537 |
| Net operating income to assets | 0.7463% | 4,088 |
| Return on assets (ROA) | 0.7463% | 4,099 |
| Pretax return on assets | 0.9534% | 3,869 |
| Return on Equity (ROE) | 6.7627% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.7627% | 2,254 |
| Net charge-offs to loans | 0.0139% | 2,927 |
| Credit loss provision to net charge-offs | 640.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 91.9520% | 803 |
| Efficiency ratio | 69.7567% | 2,238 |
| Assets per employee ($millions) | 4.5940% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,820 |
| Loan loss allowance to noncurrent loans | 50.2849% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 1,196 |
| Noncurrent loans to loans | 1.4437% | 1,141 |
| Net loans and leases to total assets | 80.8262% | 897 |
| Net loans and leases to deposits | 91.4934% | 1,693 |
| Net loans and leases to core deposits | 102.7217% | 1,545 |
| Total domestic deposits to total assets | 88.3410% | 1,102 |
| Equity capital to assets | 11.3325% | 2,372 |
| Core capital (leverage) ratio | 11.5331% | 2,144 |
| Tier 1 risk-based capital ratio | 19.0098% | 1,533 |
| Total risk-based capital ratio | 19.9944% | 1,567 |
| Memoranda: | ||
| Average total assets | $59,852,750 | 4,819 |
| Average earning assets | $57,663,000 | 4,767 |
| Average equity | $6,604,750 | 4,861 |
| Average total loans | $47,922,750 | 4,401 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 3,499 |
| Cost of funding earning assets | 0.6206% | 2,101 |
| Net interest margin | 3.4672% | 3,742 |
| Noninterest income to average assets | 0.1169% | 5,204 |
| Noninterest expense to average assets | 2.4309% | 3,818 |
| Loan and lease loss provision to assets | 0.0835% | 2,246 |
| Net operating income to assets | 0.6912% | 4,219 |
| Return on assets (ROA) | 0.6912% | 4,224 |
| Pretax return on assets | 0.9416% | 3,838 |
| Return on Equity (ROE) | 6.3203% | 4,134 |
| Retained earnings to average equity (ytd only) | 6.3203% | 2,403 |
| Net charge-offs to loans | 0.0252% | 2,353 |
| Credit loss provision to net charge-offs | 416.6667% | 798 |
| Earnings coverage of net charge-offs (x) | 51.1667% | 1,114 |
| Efficiency ratio | 70.3382% | 2,257 |
| Assets per employee ($millions) | 4.5034% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 4,891 |
| Loan loss allowance to noncurrent loans | 37.5000% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.8584% | 605 |
| Noncurrent loans to loans | 1.9230% | 797 |
| Net loans and leases to total assets | 81.1321% | 837 |
| Net loans and leases to deposits | 91.8155% | 1,606 |
| Net loans and leases to core deposits | 103.2835% | 1,455 |
| Total domestic deposits to total assets | 88.3643% | 1,194 |
| Equity capital to assets | 11.3590% | 2,303 |
| Core capital (leverage) ratio | 11.2519% | 2,304 |
| Tier 1 risk-based capital ratio | 18.7145% | 1,621 |
| Total risk-based capital ratio | 19.6799% | 1,656 |
| Memoranda: | ||
| Average total assets | $59,896,330 | 4,875 |
| Average earning assets | $57,683,330 | 4,823 |
| Average equity | $6,550,330 | 4,918 |
| Average total loans | $47,689,000 | 4,447 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,429 |
| Cost of funding earning assets | 0.6175% | 1,930 |
| Net interest margin | 3.4305% | 3,776 |
| Noninterest income to average assets | 0.1057% | 5,304 |
| Noninterest expense to average assets | 2.3839% | 3,990 |
| Loan and lease loss provision to assets | 0.0991% | 1,866 |
| Net operating income to assets | 0.7132% | 4,053 |
| Return on assets (ROA) | 0.7132% | 4,063 |
| Pretax return on assets | 0.9245% | 3,769 |
| Return on Equity (ROE) | 6.6456% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.6456% | 2,430 |
| Net charge-offs to loans | 0.0588% | 1,515 |
| Credit loss provision to net charge-offs | 214.2857% | 997 |
| Earnings coverage of net charge-offs (x) | 22.1429% | 1,412 |
| Efficiency ratio | 69.9612% | 2,489 |
| Assets per employee ($millions) | 4.6742% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6993% | 5,030 |
| Loan loss allowance to noncurrent loans | 49.9253% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 1,056 |
| Noncurrent loans to loans | 1.4006% | 1,273 |
| Net loans and leases to total assets | 78.0548% | 1,230 |
| Net loans and leases to deposits | 87.7099% | 1,968 |
| Net loans and leases to core deposits | 98.7528% | 1,784 |
| Total domestic deposits to total assets | 88.9920% | 1,092 |
| Equity capital to assets | 10.7726% | 2,801 |
| Core capital (leverage) ratio | 10.9721% | 2,468 |
| Tier 1 risk-based capital ratio | 17.8450% | 1,880 |
| Total risk-based capital ratio | 18.7497% | 1,930 |
| Memoranda: | ||
| Average total assets | $60,572,500 | 4,915 |
| Average earning assets | $58,301,000 | 4,866 |
| Average equity | $6,500,500 | 4,981 |
| Average total loans | $47,612,000 | 4,495 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 3,348 |
| Cost of funding earning assets | 0.5819% | 1,726 |
| Net interest margin | 3.4347% | 3,736 |
| Noninterest income to average assets | 0.1241% | 5,323 |
| Noninterest expense to average assets | 2.5828% | 3,497 |
| Loan and lease loss provision to assets | 0.0993% | 2,241 |
| Net operating income to assets | 0.4964% | 4,387 |
| Return on assets (ROA) | 0.4964% | 4,420 |
| Pretax return on assets | 0.7528% | 4,380 |
| Return on Equity (ROE) | 4.7501% | 4,271 |
| Retained earnings to average equity (ytd only) | 4.7501% | 2,289 |
| Net charge-offs to loans | -0.0043% | 4,613 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1927% | 1,735 |
| Assets per employee ($millions) | 4.6446% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6869% | 5,098 |
| Loan loss allowance to noncurrent loans | 42.1734% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.5684% | 850 |
| Noncurrent loans to loans | 1.6287% | 1,017 |
| Net loans and leases to total assets | 78.0623% | 1,282 |
| Net loans and leases to deposits | 87.5966% | 2,066 |
| Net loans and leases to core deposits | 98.6500% | 1,814 |
| Total domestic deposits to total assets | 89.1156% | 952 |
| Equity capital to assets | 10.6906% | 2,950 |
| Core capital (leverage) ratio | 10.7747% | 2,560 |
| Tier 1 risk-based capital ratio | 17.4635% | 1,953 |
| Total risk-based capital ratio | 18.3420% | 2,017 |
| Memoranda: | ||
| Average total assets | $60,438,400 | 4,955 |
| Average earning assets | $58,257,600 | 4,906 |
| Average equity | $6,315,600 | 5,056 |
| Average total loans | $46,582,000 | 4,548 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0005% | 3,356 |
| Cost of funding earning assets | 0.5761% | 1,705 |
| Net interest margin | 3.4244% | 3,763 |
| Noninterest income to average assets | 0.1235% | 5,386 |
| Noninterest expense to average assets | 2.5253% | 3,647 |
| Loan and lease loss provision to assets | 0.0993% | 2,128 |
| Net operating income to assets | 0.5249% | 4,665 |
| Return on assets (ROA) | 0.5249% | 4,696 |
| Pretax return on assets | 0.8028% | 4,341 |
| Return on Equity (ROE) | 5.0524% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.0524% | 2,853 |
| Net charge-offs to loans | -0.0058% | 4,487 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6808% | 1,944 |
| Assets per employee ($millions) | 4.2710% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6670% | 5,213 |
| Loan loss allowance to noncurrent loans | 77.1712% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 1,748 |
| Noncurrent loans to loans | 0.8643% | 2,210 |
| Net loans and leases to total assets | 77.4609% | 1,358 |
| Net loans and leases to deposits | 87.0833% | 2,172 |
| Net loans and leases to core deposits | 98.1708% | 1,870 |
| Total domestic deposits to total assets | 88.9504% | 911 |
| Equity capital to assets | 10.7268% | 3,140 |
| Core capital (leverage) ratio | 10.6957% | 2,771 |
| Tier 1 risk-based capital ratio | 17.5474% | 1,996 |
| Total risk-based capital ratio | 18.3975% | 2,072 |
| Memoranda: | ||
| Average total assets | $60,453,000 | 5,010 |
| Average earning assets | $58,325,000 | 4,954 |
| Average equity | $6,280,750 | 5,116 |
| Average total loans | $46,362,500 | 4,597 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 3,293 |
| Cost of funding earning assets | 0.5703% | 1,649 |
| Net interest margin | 3.4081% | 3,741 |
| Noninterest income to average assets | 0.1088% | 5,487 |
| Noninterest expense to average assets | 2.5316% | 3,650 |
| Loan and lease loss provision to assets | 0.0989% | 2,036 |
| Net operating income to assets | 0.5043% | 4,693 |
| Return on assets (ROA) | 0.5043% | 4,729 |
| Pretax return on assets | 0.7681% | 4,381 |
| Return on Equity (ROE) | 4.9067% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.9067% | 2,772 |
| Net charge-offs to loans | -0.0043% | 4,306 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4908% | 1,925 |
| Assets per employee ($millions) | 4.3361% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 5,330 |
| Loan loss allowance to noncurrent loans | 72.3039% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 1,809 |
| Noncurrent loans to loans | 0.8747% | 2,236 |
| Net loans and leases to total assets | 76.3545% | 1,489 |
| Net loans and leases to deposits | 85.6939% | 2,255 |
| Net loans and leases to core deposits | 96.3638% | 1,951 |
| Total domestic deposits to total assets | 89.1014% | 909 |
| Equity capital to assets | 10.4225% | 3,437 |
| Core capital (leverage) ratio | 10.5110% | 2,898 |
| Tier 1 risk-based capital ratio | 17.2163% | 2,090 |
| Total risk-based capital ratio | 18.0182% | 2,175 |
| Memoranda: | ||
| Average total assets | $60,672,670 | 5,043 |
| Average earning assets | $58,565,670 | 4,983 |
| Average equity | $6,236,330 | 5,154 |
| Average total loans | $46,274,000 | 4,627 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,231 |
| Cost of funding earning assets | 0.5672% | 1,605 |
| Net interest margin | 3.3759% | 3,731 |
| Noninterest income to average assets | 0.0791% | 5,649 |
| Noninterest expense to average assets | 2.3872% | 4,155 |
| Loan and lease loss provision to assets | 0.0989% | 1,911 |
| Net operating income to assets | 0.5539% | 4,361 |
| Return on assets (ROA) | 0.5539% | 4,408 |
| Pretax return on assets | 0.8507% | 3,938 |
| Return on Equity (ROE) | 5.4272% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,648 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5415% | 2,656 |
| Assets per employee ($millions) | 4.2979% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5998% | 5,477 |
| Loan loss allowance to noncurrent loans | 56.8228% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.1201% | 1,586 |
| Noncurrent loans to loans | 1.0556% | 1,944 |
| Net loans and leases to total assets | 76.8427% | 1,285 |
| Net loans and leases to deposits | 86.1233% | 2,019 |
| Net loans and leases to core deposits | 96.9085% | 1,758 |
| Total domestic deposits to total assets | 89.2240% | 1,042 |
| Equity capital to assets | 10.3771% | 3,325 |
| Core capital (leverage) ratio | 10.4311% | 2,982 |
| Tier 1 risk-based capital ratio | 16.9078% | 2,213 |
| Total risk-based capital ratio | 17.6609% | 2,339 |
| Memoranda: | ||
| Average total assets | $60,656,500 | 5,102 |
| Average earning assets | $58,532,000 | 5,037 |
| Average equity | $6,191,000 | 5,206 |
| Average total loans | $46,088,000 | 4,673 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 2,747 |
| Cost of funding earning assets | 0.6122% | 1,261 |
| Net interest margin | 3.5152% | 3,372 |
| Noninterest income to average assets | 0.0872% | 5,676 |
| Noninterest expense to average assets | 2.5896% | 3,703 |
| Loan and lease loss provision to assets | 0.1396% | 1,788 |
| Net operating income to assets | 0.4746% | 4,728 |
| Return on assets (ROA) | 0.4746% | 4,802 |
| Pretax return on assets | 0.7346% | 4,384 |
| Return on Equity (ROE) | 4.5050% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.5050% | 2,696 |
| Net charge-offs to loans | 0.0044% | 4,093 |
| Credit loss provision to net charge-offs | 4,000.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 250.5000% | 286 |
| Efficiency ratio | 74.7607% | 2,169 |
| Assets per employee ($millions) | 4.3673% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 5,567 |
| Loan loss allowance to noncurrent loans | 51.1628% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 1,602 |
| Noncurrent loans to loans | 1.1301% | 1,820 |
| Net loans and leases to total assets | 74.2468% | 1,807 |
| Net loans and leases to deposits | 82.8062% | 2,573 |
| Net loans and leases to core deposits | 92.9047% | 2,220 |
| Total domestic deposits to total assets | 89.6634% | 784 |
| Equity capital to assets | 10.0389% | 3,684 |
| Core capital (leverage) ratio | 10.4441% | 2,940 |
| Tier 1 risk-based capital ratio | 17.3080% | 2,060 |
| Total risk-based capital ratio | 18.0474% | 2,180 |
| Memoranda: | ||
| Average total assets | $57,307,000 | 5,205 |
| Average earning assets | $55,047,400 | 5,146 |
| Average equity | $6,037,800 | 5,276 |
| Average total loans | $45,210,000 | 4,708 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 2,568 |
| Cost of funding earning assets | 0.6190% | 1,213 |
| Net interest margin | 3.5634% | 3,218 |
| Noninterest income to average assets | 0.0781% | 5,770 |
| Noninterest expense to average assets | 2.5981% | 3,669 |
| Loan and lease loss provision to assets | 0.1538% | 1,516 |
| Net operating income to assets | 0.4780% | 4,775 |
| Return on assets (ROA) | 0.4780% | 4,862 |
| Pretax return on assets | 0.7453% | 4,485 |
| Return on Equity (ROE) | 4.4793% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.4793% | 3,150 |
| Net charge-offs to loans | -0.0029% | 4,523 |
| Credit loss provision to net charge-offs | -6,500.0000% | 5,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2896% | 2,224 |
| Assets per employee ($millions) | 4.1329% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 5,668 |
| Loan loss allowance to noncurrent loans | 68.2927% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 2,162 |
| Noncurrent loans to loans | 0.8036% | 2,656 |
| Net loans and leases to total assets | 78.9233% | 1,050 |
| Net loans and leases to deposits | 88.6045% | 1,941 |
| Net loans and leases to core deposits | 100.1052% | 1,627 |
| Total domestic deposits to total assets | 89.0736% | 867 |
| Equity capital to assets | 10.5824% | 3,473 |
| Core capital (leverage) ratio | 10.6468% | 2,829 |
| Tier 1 risk-based capital ratio | 17.4676% | 2,092 |
| Total risk-based capital ratio | 18.1881% | 2,203 |
| Memoranda: | ||
| Average total assets | $56,348,250 | 5,270 |
| Average earning assets | $54,067,000 | 5,214 |
| Average equity | $6,012,750 | 5,331 |
| Average total loans | $45,097,500 | 4,748 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 2,515 |
| Cost of funding earning assets | 0.6199% | 1,195 |
| Net interest margin | 3.5776% | 3,184 |
| Noninterest income to average assets | 0.1289% | 5,674 |
| Noninterest expense to average assets | 2.6538% | 3,536 |
| Loan and lease loss provision to assets | 0.2149% | 980 |
| Net operating income to assets | 0.4477% | 4,876 |
| Return on assets (ROA) | 0.4477% | 4,966 |
| Pretax return on assets | 0.6912% | 4,649 |
| Return on Equity (ROE) | 4.1834% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.1834% | 3,243 |
| Net charge-offs to loans | -0.0045% | 4,496 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5473% | 2,280 |
| Assets per employee ($millions) | 4.4555% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5451% | 5,750 |
| Loan loss allowance to noncurrent loans | 65.0000% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 2,096 |
| Noncurrent loans to loans | 0.8387% | 2,649 |
| Net loans and leases to total assets | 77.7977% | 1,233 |
| Net loans and leases to deposits | 87.1825% | 2,114 |
| Net loans and leases to core deposits | 97.8949% | 1,818 |
| Total domestic deposits to total assets | 89.2355% | 792 |
| Equity capital to assets | 10.4416% | 3,704 |
| Core capital (leverage) ratio | 10.6517% | 2,790 |
| Tier 1 risk-based capital ratio | 17.3049% | 2,131 |
| Total risk-based capital ratio | 18.0134% | 2,274 |
| Memoranda: | ||
| Average total assets | $55,844,330 | 5,338 |
| Average earning assets | $53,556,000 | 5,277 |
| Average equity | $5,976,000 | 5,388 |
| Average total loans | $44,824,330 | 4,802 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 2,288 |
| Cost of funding earning assets | 0.6241% | 1,191 |
| Net interest margin | 3.6302% | 2,967 |
| Noninterest income to average assets | 0.1168% | 5,762 |
| Noninterest expense to average assets | 2.6202% | 3,687 |
| Loan and lease loss provision to assets | 0.2190% | 878 |
| Net operating income to assets | 0.4890% | 4,676 |
| Return on assets (ROA) | 0.4890% | 4,776 |
| Pretax return on assets | 0.7590% | 4,341 |
| Return on Equity (ROE) | 4.5118% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.5118% | 3,232 |
| Net charge-offs to loans | -0.0718% | 5,513 |
| Credit loss provision to net charge-offs | -375.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8195% | 2,679 |
| Assets per employee ($millions) | 4.2640% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5041% | 5,862 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.1329% | 1,951 |
| Noncurrent loans to loans | 0.9361% | 2,511 |
| Net loans and leases to total assets | 79.7644% | 851 |
| Net loans and leases to deposits | 89.6820% | 1,613 |
| Net loans and leases to core deposits | 101.2758% | 1,387 |
| Total domestic deposits to total assets | 88.9414% | 1,133 |
| Equity capital to assets | 10.7916% | 3,170 |
| Core capital (leverage) ratio | 10.8888% | 2,526 |
| Tier 1 risk-based capital ratio | 17.4488% | 2,138 |
| Total risk-based capital ratio | 18.1030% | 2,288 |
| Memoranda: | ||
| Average total assets | $54,805,500 | 5,404 |
| Average earning assets | $52,558,500 | 5,352 |
| Average equity | $5,940,000 | 5,435 |
| Average total loans | $44,582,000 | 4,849 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 2,037 |
| Cost of funding earning assets | 0.6117% | 1,302 |
| Net interest margin | 3.7450% | 2,579 |
| Noninterest income to average assets | -0.0273% | 6,125 |
| Noninterest expense to average assets | 2.8889% | 2,894 |
| Loan and lease loss provision to assets | 0.2186% | 943 |
| Net operating income to assets | 0.3519% | 5,211 |
| Return on assets (ROA) | 0.3643% | 5,249 |
| Pretax return on assets | 0.4262% | 5,268 |
| Return on Equity (ROE) | 3.4567% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.4567% | 3,597 |
| Net charge-offs to loans | 0.2782% | 1,093 |
| Credit loss provision to net charge-offs | 96.7742% | 2,618 |
| Earnings coverage of net charge-offs (x) | 2.7903% | 3,827 |
| Efficiency ratio | 82.0911% | 1,399 |
| Assets per employee ($millions) | 3.8699% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4159% | 5,984 |
| Loan loss allowance to noncurrent loans | 54.2274% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 2,145 |
| Noncurrent loans to loans | 0.7669% | 2,874 |
| Net loans and leases to total assets | 82.2071% | 578 |
| Net loans and leases to deposits | 92.4525% | 1,353 |
| Net loans and leases to core deposits | 104.6893% | 1,185 |
| Total domestic deposits to total assets | 88.9182% | 1,151 |
| Equity capital to assets | 10.8861% | 2,953 |
| Core capital (leverage) ratio | 10.6789% | 2,732 |
| Tier 1 risk-based capital ratio | 17.8360% | 2,014 |
| Total risk-based capital ratio | 18.3975% | 2,186 |
| Memoranda: | ||
| Average total assets | $54,900,400 | 5,435 |
| Average earning assets | $51,990,000 | 5,389 |
| Average equity | $5,785,800 | 5,485 |
| Average total loans | $44,567,600 | 4,846 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 2,060 |
| Cost of funding earning assets | 0.6101% | 1,344 |
| Net interest margin | 3.7452% | 2,583 |
| Noninterest income to average assets | -0.1041% | 6,235 |
| Noninterest expense to average assets | 2.8515% | 3,002 |
| Loan and lease loss provision to assets | 0.2179% | 876 |
| Net operating income to assets | 0.3469% | 5,322 |
| Return on assets (ROA) | 0.3655% | 5,357 |
| Pretax return on assets | 0.3825% | 5,499 |
| Return on Equity (ROE) | 3.4967% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.4967% | 3,978 |
| Net charge-offs to loans | 0.2844% | 937 |
| Credit loss provision to net charge-offs | 94.7368% | 2,393 |
| Earnings coverage of net charge-offs (x) | 2.5264% | 3,658 |
| Efficiency ratio | 83.0748% | 1,260 |
| Assets per employee ($millions) | 3.6335% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4111% | 6,085 |
| Loan loss allowance to noncurrent loans | 122.5166% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.7211% | 3,100 |
| Noncurrent loans to loans | 0.3356% | 4,407 |
| Net loans and leases to total assets | 82.2230% | 551 |
| Net loans and leases to deposits | 92.4019% | 1,365 |
| Net loans and leases to core deposits | 104.6763% | 1,188 |
| Total domestic deposits to total assets | 88.9841% | 1,033 |
| Equity capital to assets | 10.7535% | 3,297 |
| Core capital (leverage) ratio | 10.7008% | 2,823 |
| Tier 1 risk-based capital ratio | 17.1632% | 2,309 |
| Total risk-based capital ratio | 17.7051% | 2,561 |
| Memoranda: | ||
| Average total assets | $55,080,750 | 5,505 |
| Average earning assets | $52,012,500 | 5,458 |
| Average equity | $5,757,750 | 5,566 |
| Average total loans | $44,528,250 | 4,896 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 2,018 |
| Cost of funding earning assets | 0.6113% | 1,337 |
| Net interest margin | 3.7370% | 2,554 |
| Noninterest income to average assets | -0.2171% | 6,321 |
| Noninterest expense to average assets | 2.7283% | 3,497 |
| Loan and lease loss provision to assets | 0.2171% | 875 |
| Net operating income to assets | 0.2569% | 5,561 |
| Return on assets (ROA) | 0.2569% | 5,644 |
| Pretax return on assets | 0.3546% | 5,559 |
| Return on Equity (ROE) | 2.4811% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.4811% | 4,479 |
| Net charge-offs to loans | 0.4507% | 566 |
| Credit loss provision to net charge-offs | 60.0000% | 2,591 |
| Earnings coverage of net charge-offs (x) | 1.5800% | 3,486 |
| Efficiency ratio | 82.6754% | 1,414 |
| Assets per employee ($millions) | 3.6865% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3378% | 6,197 |
| Loan loss allowance to noncurrent loans | 92.0245% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.3617% | 1,843 |
| Noncurrent loans to loans | 0.3670% | 4,393 |
| Net loans and leases to total assets | 80.0423% | 797 |
| Net loans and leases to deposits | 90.1171% | 1,581 |
| Net loans and leases to core deposits | 101.8900% | 1,334 |
| Total domestic deposits to total assets | 88.8204% | 1,238 |
| Equity capital to assets | 10.4508% | 3,500 |
| Core capital (leverage) ratio | 10.4690% | 3,005 |
| Tier 1 risk-based capital ratio | 17.1591% | 2,346 |
| Total risk-based capital ratio | 17.6044% | 2,643 |
| Memoranda: | ||
| Average total assets | $55,273,330 | 5,558 |
| Average earning assets | $52,019,670 | 5,515 |
| Average equity | $5,723,330 | 5,621 |
| Average total loans | $44,371,330 | 4,935 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 1,837 |
| Cost of funding earning assets | 0.6104% | 1,364 |
| Net interest margin | 3.7703% | 2,353 |
| Noninterest income to average assets | -0.7673% | 6,407 |
| Noninterest expense to average assets | 2.9098% | 2,876 |
| Loan and lease loss provision to assets | 0.2171% | 815 |
| Net operating income to assets | -0.1810% | 6,138 |
| Return on assets (ROA) | -0.1810% | 6,160 |
| Pretax return on assets | -0.3619% | 6,207 |
| Return on Equity (ROE) | -1.7558% | 6,162 |
| Retained earnings to average equity (ytd only) | -1.7558% | 5,658 |
| Net charge-offs to loans | 0.4509% | 549 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | -0.4000% | 3,140 |
| Efficiency ratio | 105.2356% | 252 |
| Assets per employee ($millions) | 4.2093% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3856% | 6,243 |
| Loan loss allowance to noncurrent loans | 95.5056% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.6520% | 1,533 |
| Noncurrent loans to loans | 0.4037% | 4,382 |
| Net loans and leases to total assets | 80.2599% | 661 |
| Net loans and leases to deposits | 91.2053% | 1,269 |
| Net loans and leases to core deposits | 102.7633% | 1,127 |
| Total domestic deposits to total assets | 87.9991% | 1,823 |
| Equity capital to assets | 10.3854% | 3,676 |
| Core capital (leverage) ratio | 10.1121% | 3,456 |
| Tier 1 risk-based capital ratio | 17.0825% | 2,450 |
| Total risk-based capital ratio | 17.5935% | 2,697 |
| Memoranda: | ||
| Average total assets | $55,261,500 | 5,610 |
| Average earning assets | $51,773,500 | 5,569 |
| Average equity | $5,695,500 | 5,675 |
| Average total loans | $44,351,500 | 4,970 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2915% | 2,637 |
| Cost of funding earning assets | 0.6638% | 1,309 |
| Net interest margin | 3.6276% | 3,300 |
| Noninterest income to average assets | 0.2278% | 5,491 |
| Noninterest expense to average assets | 2.7726% | 3,589 |
| Loan and lease loss provision to assets | 0.1060% | 2,385 |
| Net operating income to assets | 0.5121% | 4,767 |
| Return on assets (ROA) | 0.5121% | 4,849 |
| Pretax return on assets | 0.7559% | 4,421 |
| Return on Equity (ROE) | 5.2123% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.2123% | 2,457 |
| Net charge-offs to loans | 0.1099% | 2,946 |
| Credit loss provision to net charge-offs | 122.4490% | 1,955 |
| Earnings coverage of net charge-offs (x) | 9.9592% | 2,674 |
| Efficiency ratio | 76.2877% | 2,467 |
| Assets per employee ($millions) | 3.9859% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4259% | 6,314 |
| Loan loss allowance to noncurrent loans | 50.9383% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 1,204 |
| Noncurrent loans to loans | 0.8361% | 3,223 |
| Net loans and leases to total assets | 79.6100% | 798 |
| Net loans and leases to deposits | 93.0755% | 1,178 |
| Net loans and leases to core deposits | 105.6507% | 1,036 |
| Total domestic deposits to total assets | 85.5328% | 3,060 |
| Equity capital to assets | 10.2290% | 3,824 |
| Core capital (leverage) ratio | 10.1344% | 3,386 |
| Tier 1 risk-based capital ratio | 17.1283% | 2,462 |
| Total risk-based capital ratio | 17.6984% | 2,685 |
| Memoranda: | ||
| Average total assets | $56,624,600 | 5,635 |
| Average earning assets | $53,175,000 | 5,588 |
| Average equity | $5,563,800 | 5,724 |
| Average total loans | $44,582,000 | 5,011 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 2,746 |
| Cost of funding earning assets | 0.6773% | 1,275 |
| Net interest margin | 3.5931% | 3,455 |
| Noninterest income to average assets | 0.2229% | 5,593 |
| Noninterest expense to average assets | 2.7614% | 3,600 |
| Loan and lease loss provision to assets | 0.1056% | 2,274 |
| Net operating income to assets | 0.5068% | 4,852 |
| Return on assets (ROA) | 0.5068% | 4,914 |
| Pretax return on assets | 0.7414% | 4,556 |
| Return on Equity (ROE) | 5.2099% | 4,621 |
| Retained earnings to average equity (ytd only) | 5.2099% | 2,946 |
| Net charge-offs to loans | 0.1466% | 2,330 |
| Credit loss provision to net charge-offs | 91.8367% | 2,399 |
| Earnings coverage of net charge-offs (x) | 7.3675% | 2,934 |
| Efficiency ratio | 76.5280% | 2,407 |
| Assets per employee ($millions) | 3.7388% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3963% | 6,408 |
| Loan loss allowance to noncurrent loans | 53.3537% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 2.1576% | 1,293 |
| Noncurrent loans to loans | 0.7428% | 3,746 |
| Net loans and leases to total assets | 78.4209% | 912 |
| Net loans and leases to deposits | 88.7965% | 1,576 |
| Net loans and leases to core deposits | 100.8253% | 1,306 |
| Total domestic deposits to total assets | 88.3153% | 1,597 |
| Equity capital to assets | 10.0460% | 4,108 |
| Core capital (leverage) ratio | 9.9470% | 3,744 |
| Tier 1 risk-based capital ratio | 16.8084% | 2,686 |
| Total risk-based capital ratio | 17.3305% | 2,973 |
| Memoranda: | ||
| Average total assets | $56,830,250 | 5,695 |
| Average earning assets | $53,545,500 | 5,647 |
| Average equity | $5,527,750 | 5,790 |
| Average total loans | $44,574,000 | 5,068 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,835 |
| Cost of funding earning assets | 0.6967% | 1,205 |
| Net interest margin | 3.5355% | 3,631 |
| Noninterest income to average assets | 0.2207% | 5,627 |
| Noninterest expense to average assets | 2.6489% | 4,060 |
| Loan and lease loss provision to assets | 0.1051% | 2,267 |
| Net operating income to assets | 0.5256% | 4,712 |
| Return on assets (ROA) | 0.5256% | 4,803 |
| Pretax return on assets | 0.7919% | 4,307 |
| Return on Equity (ROE) | 5.4622% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.4622% | 2,660 |
| Net charge-offs to loans | 0.2505% | 1,554 |
| Credit loss provision to net charge-offs | 53.5714% | 2,740 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 3,082 |
| Efficiency ratio | 74.7036% | 2,855 |
| Assets per employee ($millions) | 3.8225% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3408% | 6,517 |
| Loan loss allowance to noncurrent loans | 20.6478% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 2.8306% | 920 |
| Noncurrent loans to loans | 1.6507% | 2,106 |
| Net loans and leases to total assets | 78.0247% | 905 |
| Net loans and leases to deposits | 89.7720% | 1,392 |
| Net loans and leases to core deposits | 101.8185% | 1,144 |
| Total domestic deposits to total assets | 86.9142% | 2,497 |
| Equity capital to assets | 9.7110% | 4,476 |
| Core capital (leverage) ratio | 9.7298% | 3,998 |
| Tier 1 risk-based capital ratio | 16.4364% | 2,855 |
| Total risk-based capital ratio | 16.8881% | 3,219 |
| Memoranda: | ||
| Average total assets | $57,079,670 | 5,739 |
| Average earning assets | $53,683,670 | 5,697 |
| Average equity | $5,492,330 | 5,836 |
| Average total loans | $44,713,670 | 5,092 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,705 |
| Cost of funding earning assets | 0.7325% | 1,060 |
| Net interest margin | 3.5129% | 3,633 |
| Noninterest income to average assets | 0.2458% | 5,394 |
| Noninterest expense to average assets | 2.6690% | 4,040 |
| Loan and lease loss provision to assets | 0.1054% | 2,163 |
| Net operating income to assets | 0.5127% | 4,625 |
| Return on assets (ROA) | 0.5127% | 4,702 |
| Pretax return on assets | 0.7726% | 4,210 |
| Return on Equity (ROE) | 5.3534% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.3534% | 2,887 |
| Net charge-offs to loans | 0.4840% | 760 |
| Credit loss provision to net charge-offs | 27.7778% | 2,413 |
| Earnings coverage of net charge-offs (x) | 2.3148% | 2,910 |
| Efficiency ratio | 75.2475% | 2,923 |
| Assets per employee ($millions) | 4.0772% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3125% | 6,604 |
| Loan loss allowance to noncurrent loans | 49.2958% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 2.0427% | 1,661 |
| Noncurrent loans to loans | 0.6340% | 4,276 |
| Net loans and leases to total assets | 78.2309% | 742 |
| Net loans and leases to deposits | 89.3994% | 1,211 |
| Net loans and leases to core deposits | 100.7695% | 1,050 |
| Total domestic deposits to total assets | 87.5072% | 2,505 |
| Equity capital to assets | 9.6197% | 4,330 |
| Core capital (leverage) ratio | 9.5960% | 4,138 |
| Tier 1 risk-based capital ratio | 16.3676% | 2,963 |
| Total risk-based capital ratio | 16.7849% | 3,386 |
| Memoranda: | ||
| Average total assets | $56,951,000 | 5,792 |
| Average earning assets | $53,517,000 | 5,747 |
| Average equity | $5,454,500 | 5,882 |
| Average total loans | $44,625,500 | 5,138 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 3,384 |
| Cost of funding earning assets | 0.9278% | 647 |
| Net interest margin | 3.2613% | 4,800 |
| Noninterest income to average assets | 0.2343% | 5,670 |
| Noninterest expense to average assets | 2.7329% | 3,984 |
| Loan and lease loss provision to assets | 0.1661% | 2,202 |
| Net operating income to assets | 0.2658% | 5,638 |
| Return on assets (ROA) | 0.2658% | 5,719 |
| Pretax return on assets | 0.3777% | 5,545 |
| Return on Equity (ROE) | 2.8505% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.8505% | 4,220 |
| Net charge-offs to loans | 0.2488% | 2,478 |
| Credit loss provision to net charge-offs | 89.6226% | 2,770 |
| Earnings coverage of net charge-offs (x) | 2.9340% | 4,016 |
| Efficiency ratio | 83.4045% | 1,699 |
| Assets per employee ($millions) | 4.0586% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4026% | 6,639 |
| Loan loss allowance to noncurrent loans | 56.6456% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.9253% | 1,877 |
| Noncurrent loans to loans | 0.7108% | 4,188 |
| Net loans and leases to total assets | 77.9237% | 833 |
| Net loans and leases to deposits | 88.9471% | 1,358 |
| Net loans and leases to core deposits | 100.2740% | 1,138 |
| Total domestic deposits to total assets | 87.6067% | 2,415 |
| Equity capital to assets | 9.5352% | 4,370 |
| Core capital (leverage) ratio | 9.4087% | 4,403 |
| Tier 1 risk-based capital ratio | 16.4087% | 2,897 |
| Total risk-based capital ratio | 16.9508% | 3,211 |
| Memoranda: | ||
| Average total assets | $57,192,800 | 5,833 |
| Average earning assets | $53,352,400 | 5,792 |
| Average equity | $5,332,400 | 5,978 |
| Average total loans | $42,600,200 | 5,246 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 3,537 |
| Cost of funding earning assets | 0.9550% | 626 |
| Net interest margin | 3.2026% | 4,995 |
| Noninterest income to average assets | 0.2374% | 5,736 |
| Noninterest expense to average assets | 2.7348% | 3,885 |
| Loan and lease loss provision to assets | 0.1862% | 1,957 |
| Net operating income to assets | 0.2165% | 5,873 |
| Return on assets (ROA) | 0.2165% | 5,952 |
| Pretax return on assets | 0.2979% | 5,882 |
| Return on Equity (ROE) | 2.3348% | 5,842 |
| Retained earnings to average equity (ytd only) | 2.3348% | 4,930 |
| Net charge-offs to loans | 0.2468% | 2,331 |
| Credit loss provision to net charge-offs | 102.5641% | 2,286 |
| Earnings coverage of net charge-offs (x) | 2.6666% | 3,946 |
| Efficiency ratio | 84.9602% | 1,478 |
| Assets per employee ($millions) | 4.1395% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4381% | 6,698 |
| Loan loss allowance to noncurrent loans | 49.4845% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 2.0120% | 1,997 |
| Noncurrent loans to loans | 0.8854% | 4,054 |
| Net loans and leases to total assets | 75.2834% | 1,105 |
| Net loans and leases to deposits | 86.4951% | 1,562 |
| Net loans and leases to core deposits | 98.3943% | 1,214 |
| Total domestic deposits to total assets | 87.0378% | 2,673 |
| Equity capital to assets | 9.2471% | 4,867 |
| Core capital (leverage) ratio | 9.3262% | 4,658 |
| Tier 1 risk-based capital ratio | 16.4044% | 2,984 |
| Total risk-based capital ratio | 16.9922% | 3,282 |
| Memoranda: | ||
| Average total assets | $57,285,750 | 5,895 |
| Average earning assets | $53,331,000 | 5,846 |
| Average equity | $5,311,000 | 6,057 |
| Average total loans | $42,136,250 | 5,309 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 3,435 |
| Cost of funding earning assets | 0.9789% | 602 |
| Net interest margin | 3.2050% | 4,929 |
| Noninterest income to average assets | 0.2488% | 5,671 |
| Noninterest expense to average assets | 2.6953% | 4,051 |
| Loan and lease loss provision to assets | 0.2103% | 1,804 |
| Net operating income to assets | 0.2313% | 5,819 |
| Return on assets (ROA) | 0.2313% | 5,942 |
| Pretax return on assets | 0.3154% | 5,832 |
| Return on Equity (ROE) | 2.4929% | 5,800 |
| Retained earnings to average equity (ytd only) | 2.4929% | 4,713 |
| Net charge-offs to loans | 0.1828% | 2,663 |
| Credit loss provision to net charge-offs | 157.8947% | 1,467 |
| Earnings coverage of net charge-offs (x) | 3.9474% | 3,258 |
| Efficiency ratio | 83.6779% | 1,674 |
| Assets per employee ($millions) | 4.0854% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4960% | 6,710 |
| Loan loss allowance to noncurrent loans | 43.7113% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.2082% | 1,956 |
| Noncurrent loans to loans | 1.1347% | 3,666 |
| Net loans and leases to total assets | 74.3631% | 1,200 |
| Net loans and leases to deposits | 85.6223% | 1,605 |
| Net loans and leases to core deposits | 97.5751% | 1,247 |
| Total domestic deposits to total assets | 86.8502% | 2,909 |
| Equity capital to assets | 9.3225% | 4,830 |
| Core capital (leverage) ratio | 9.4017% | 4,388 |
| Tier 1 risk-based capital ratio | 16.4965% | 2,940 |
| Total risk-based capital ratio | 17.1524% | 3,199 |
| Memoranda: | ||
| Average total assets | $57,063,330 | 5,942 |
| Average earning assets | $52,916,670 | 5,901 |
| Average equity | $5,295,000 | 6,100 |
| Average total loans | $41,574,670 | 5,352 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 3,129 |
| Cost of funding earning assets | 1.0197% | 551 |
| Net interest margin | 3.2264% | 4,818 |
| Noninterest income to average assets | 0.2386% | 5,756 |
| Noninterest expense to average assets | 2.8282% | 3,604 |
| Loan and lease loss provision to assets | 0.2105% | 1,755 |
| Net operating income to assets | 0.1474% | 6,048 |
| Return on assets (ROA) | 0.1474% | 6,143 |
| Pretax return on assets | 0.1754% | 6,121 |
| Return on Equity (ROE) | 1.5920% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.5920% | 5,184 |
| Net charge-offs to loans | 0.1171% | 2,725 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 4.5833% | 2,520 |
| Efficiency ratio | 87.9913% | 1,329 |
| Assets per employee ($millions) | 4.0711% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 6,782 |
| Loan loss allowance to noncurrent loans | 45.5142% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.1668% | 2,161 |
| Noncurrent loans to loans | 1.1101% | 3,929 |
| Net loans and leases to total assets | 71.8664% | 1,370 |
| Net loans and leases to deposits | 82.6977% | 1,745 |
| Net loans and leases to core deposits | 94.2217% | 1,330 |
| Total domestic deposits to total assets | 86.9026% | 3,020 |
| Equity capital to assets | 9.2761% | 5,165 |
| Core capital (leverage) ratio | 9.3074% | 4,386 |
| Tier 1 risk-based capital ratio | 16.5369% | 2,983 |
| Total risk-based capital ratio | 17.1875% | 3,267 |
| Memoranda: | ||
| Average total assets | $56,997,500 | 5,995 |
| Average earning assets | $52,566,000 | 5,964 |
| Average equity | $5,276,500 | 6,165 |
| Average total loans | $40,990,000 | 5,418 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 2,833 |
| Cost of funding earning assets | 1.2718% | 413 |
| Net interest margin | 3.3720% | 4,988 |
| Noninterest income to average assets | 0.1957% | 6,017 |
| Noninterest expense to average assets | 2.6141% | 4,695 |
| Loan and lease loss provision to assets | 0.2115% | 3,029 |
| Net operating income to assets | 0.2961% | 5,482 |
| Return on assets (ROA) | 0.2961% | 5,688 |
| Pretax return on assets | 0.4407% | 5,452 |
| Return on Equity (ROE) | 3.2449% | 5,450 |
| Retained earnings to average equity (ytd only) | 3.2449% | 3,936 |
| Net charge-offs to loans | 0.2887% | 3,216 |
| Credit loss provision to net charge-offs | 99.1736% | 3,127 |
| Earnings coverage of net charge-offs (x) | 3.0579% | 3,904 |
| Efficiency ratio | 80.0324% | 2,143 |
| Assets per employee ($millions) | 4.0714% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4656% | 6,858 |
| Loan loss allowance to noncurrent loans | 43.3790% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 2.1334% | 2,294 |
| Noncurrent loans to loans | 1.0732% | 4,056 |
| Net loans and leases to total assets | 71.2662% | 1,607 |
| Net loans and leases to deposits | 81.9666% | 2,004 |
| Net loans and leases to core deposits | 93.3366% | 1,521 |
| Total domestic deposits to total assets | 86.9454% | 2,870 |
| Equity capital to assets | 9.2388% | 5,225 |
| Core capital (leverage) ratio | 9.2111% | 4,563 |
| Tier 1 risk-based capital ratio | 16.8232% | 2,737 |
| Total risk-based capital ratio | 17.4302% | 3,014 |
| Memoranda: | ||
| Average total assets | $56,730,000 | 6,004 |
| Average earning assets | $51,660,200 | 5,991 |
| Average equity | $5,177,400 | 6,250 |
| Average total loans | $41,912,400 | 5,422 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 2,733 |
| Cost of funding earning assets | 1.3141% | 413 |
| Net interest margin | 3.4028% | 5,026 |
| Noninterest income to average assets | 0.1671% | 6,303 |
| Noninterest expense to average assets | 2.6519% | 4,554 |
| Loan and lease loss provision to assets | 0.2118% | 2,947 |
| Net operating income to assets | 0.2518% | 5,777 |
| Return on assets (ROA) | 0.2518% | 5,969 |
| Pretax return on assets | 0.4047% | 5,706 |
| Return on Equity (ROE) | 2.7673% | 5,766 |
| Retained earnings to average equity (ytd only) | 2.7673% | 4,894 |
| Net charge-offs to loans | 0.3856% | 2,549 |
| Credit loss provision to net charge-offs | 73.7705% | 3,799 |
| Earnings coverage of net charge-offs (x) | 2.1475% | 4,192 |
| Efficiency ratio | 81.1375% | 1,912 |
| Assets per employee ($millions) | 4.0084% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3830% | 7,020 |
| Loan loss allowance to noncurrent loans | 36.1364% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 2.1704% | 2,466 |
| Noncurrent loans to loans | 1.0598% | 4,321 |
| Net loans and leases to total assets | 73.6965% | 1,292 |
| Net loans and leases to deposits | 84.9342% | 1,738 |
| Net loans and leases to core deposits | 96.8661% | 1,344 |
| Total domestic deposits to total assets | 86.7690% | 2,818 |
| Equity capital to assets | 9.2751% | 5,500 |
| Core capital (leverage) ratio | 9.2632% | 4,658 |
| Tier 1 risk-based capital ratio | 16.6082% | 2,936 |
| Total risk-based capital ratio | 17.1155% | 3,313 |
| Memoranda: | ||
| Average total assets | $56,662,750 | 6,075 |
| Average earning assets | $51,642,750 | 6,060 |
| Average equity | $5,155,250 | 6,324 |
| Average total loans | $42,187,750 | 5,481 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 2,643 |
| Cost of funding earning assets | 1.3649% | 401 |
| Net interest margin | 3.4045% | 5,065 |
| Noninterest income to average assets | 0.2252% | 5,958 |
| Noninterest expense to average assets | 2.6458% | 4,623 |
| Loan and lease loss provision to assets | 0.2111% | 2,964 |
| Net operating income to assets | 0.3061% | 5,594 |
| Return on assets (ROA) | 0.3061% | 5,800 |
| Pretax return on assets | 0.4574% | 5,555 |
| Return on Equity (ROE) | 3.3861% | 5,530 |
| Retained earnings to average equity (ytd only) | 3.3861% | 4,347 |
| Net charge-offs to loans | 0.1839% | 3,486 |
| Credit loss provision to net charge-offs | 153.8462% | 1,802 |
| Earnings coverage of net charge-offs (x) | 4.8718% | 2,967 |
| Efficiency ratio | 79.8301% | 2,212 |
| Assets per employee ($millions) | 4.0359% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5132% | 7,012 |
| Loan loss allowance to noncurrent loans | 78.5185% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.9114% | 2,892 |
| Noncurrent loans to loans | 0.6536% | 5,202 |
| Net loans and leases to total assets | 72.7377% | 1,435 |
| Net loans and leases to deposits | 84.0900% | 1,842 |
| Net loans and leases to core deposits | 95.7952% | 1,443 |
| Total domestic deposits to total assets | 86.4998% | 3,070 |
| Equity capital to assets | 9.1765% | 5,487 |
| Core capital (leverage) ratio | 8.9921% | 4,931 |
| Tier 1 risk-based capital ratio | 16.4692% | 2,938 |
| Total risk-based capital ratio | 17.1426% | 3,189 |
| Memoranda: | ||
| Average total assets | $56,844,330 | 6,113 |
| Average earning assets | $51,578,330 | 6,104 |
| Average equity | $5,138,670 | 6,355 |
| Average total loans | $42,411,670 | 5,499 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8473% | 2,453 |
| Cost of funding earning assets | 1.4206% | 390 |
| Net interest margin | 3.4267% | 5,006 |
| Noninterest income to average assets | 0.2175% | 6,057 |
| Noninterest expense to average assets | 2.7151% | 4,375 |
| Loan and lease loss provision to assets | 0.2105% | 2,844 |
| Net operating income to assets | 0.2455% | 5,840 |
| Return on assets (ROA) | 0.2455% | 5,986 |
| Pretax return on assets | 0.3718% | 5,806 |
| Return on Equity (ROE) | 2.7368% | 5,813 |
| Retained earnings to average equity (ytd only) | 2.7368% | 4,888 |
| Net charge-offs to loans | 0.3631% | 2,214 |
| Credit loss provision to net charge-offs | 76.9231% | 2,780 |
| Earnings coverage of net charge-offs (x) | 2.1282% | 3,302 |
| Efficiency ratio | 82.3404% | 1,892 |
| Assets per employee ($millions) | 4.0979% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4248% | 7,117 |
| Loan loss allowance to noncurrent loans | 67.4074% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.8825% | 3,073 |
| Noncurrent loans to loans | 0.6302% | 5,382 |
| Net loans and leases to total assets | 74.3564% | 1,006 |
| Net loans and leases to deposits | 89.1907% | 1,041 |
| Net loans and leases to core deposits | 101.8601% | 871 |
| Total domestic deposits to total assets | 83.3679% | 4,780 |
| Equity capital to assets | 8.9470% | 5,571 |
| Core capital (leverage) ratio | 9.0996% | 4,684 |
| Tier 1 risk-based capital ratio | 15.8318% | 3,262 |
| Total risk-based capital ratio | 16.3932% | 3,621 |
| Memoranda: | ||
| Average total assets | $57,015,000 | 6,155 |
| Average earning assets | $51,244,500 | 6,144 |
| Average equity | $5,115,500 | 6,394 |
| Average total loans | $42,962,000 | 5,509 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1708% | 2,183 |
| Cost of funding earning assets | 1.6509% | 395 |
| Net interest margin | 3.5199% | 5,073 |
| Noninterest income to average assets | 0.0288% | 6,908 |
| Noninterest expense to average assets | 2.8705% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2193% | 5,528 |
| Return on assets (ROA) | 0.2193% | 5,667 |
| Pretax return on assets | 0.3199% | 5,511 |
| Return on Equity (ROE) | 2.4350% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.4350% | 4,486 |
| Net charge-offs to loans | 0.1409% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.8710% | 3,775 |
| Efficiency ratio | 89.9718% | 1,197 |
| Assets per employee ($millions) | 3.7773% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4433% | 7,143 |
| Loan loss allowance to noncurrent loans | 90.9524% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.8002% | 3,252 |
| Noncurrent loans to loans | 0.4874% | 5,737 |
| Net loans and leases to total assets | 75.7020% | 990 |
| Net loans and leases to deposits | 90.9287% | 1,063 |
| Net loans and leases to core deposits | 103.9101% | 907 |
| Total domestic deposits to total assets | 83.2542% | 4,641 |
| Equity capital to assets | 8.9977% | 5,551 |
| Core capital (leverage) ratio | 9.0416% | 4,707 |
| Tier 1 risk-based capital ratio | 15.6842% | 3,219 |
| Total risk-based capital ratio | 16.2718% | 3,588 |
| Memoranda: | ||
| Average total assets | $55,634,400 | 6,177 |
| Average earning assets | $49,973,000 | 6,192 |
| Average equity | $5,010,200 | 6,445 |
| Average total loans | $43,991,000 | 5,519 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1800% | 2,282 |
| Cost of funding earning assets | 1.6892% | 413 |
| Net interest margin | 3.4908% | 5,228 |
| Noninterest income to average assets | -0.0626% | 7,175 |
| Noninterest expense to average assets | 2.9397% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1107% | 5,939 |
| Return on assets (ROA) | 0.1107% | 6,055 |
| Pretax return on assets | 0.1372% | 6,034 |
| Return on Equity (ROE) | 1.2295% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.2295% | 5,521 |
| Net charge-offs to loans | 0.1869% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.9194% | 4,933 |
| Efficiency ratio | 95.5399% | 843 |
| Assets per employee ($millions) | 3.7248% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4326% | 7,207 |
| Loan loss allowance to noncurrent loans | 38.6640% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 1.9384% | 3,217 |
| Noncurrent loans to loans | 1.1188% | 4,677 |
| Net loans and leases to total assets | 78.6834% | 643 |
| Net loans and leases to deposits | 94.5643% | 788 |
| Net loans and leases to core deposits | 106.6288% | 833 |
| Total domestic deposits to total assets | 83.2063% | 4,604 |
| Equity capital to assets | 8.9884% | 5,770 |
| Core capital (leverage) ratio | 9.1112% | 4,770 |
| Tier 1 risk-based capital ratio | 15.2482% | 3,521 |
| Total risk-based capital ratio | 15.8281% | 3,897 |
| Memoranda: | ||
| Average total assets | $55,378,250 | 6,228 |
| Average earning assets | $49,806,250 | 6,253 |
| Average equity | $4,988,250 | 6,503 |
| Average total loans | $44,218,000 | 5,549 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 2,269 |
| Cost of funding earning assets | 1.7294% | 421 |
| Net interest margin | 3.4669% | 5,298 |
| Noninterest income to average assets | -0.1811% | 7,332 |
| Noninterest expense to average assets | 2.9775% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0145% | 6,246 |
| Return on assets (ROA) | -0.0145% | 6,315 |
| Pretax return on assets | -0.0435% | 6,310 |
| Return on Equity (ROE) | -0.1607% | 6,320 |
| Retained earnings to average equity (ytd only) | -0.1607% | 5,869 |
| Net charge-offs to loans | 0.2803% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.1935% | 5,402 |
| Efficiency ratio | 101.4815% | 680 |
| Assets per employee ($millions) | 3.6317% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4314% | 7,273 |
| Loan loss allowance to noncurrent loans | 36.2429% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 2.0486% | 3,171 |
| Noncurrent loans to loans | 1.1904% | 4,666 |
| Net loans and leases to total assets | 80.9182% | 454 |
| Net loans and leases to deposits | 97.6691% | 610 |
| Net loans and leases to core deposits | 107.3418% | 844 |
| Total domestic deposits to total assets | 82.8493% | 4,826 |
| Equity capital to assets | 9.1270% | 5,386 |
| Core capital (leverage) ratio | 8.8972% | 4,885 |
| Tier 1 risk-based capital ratio | 14.9547% | 3,513 |
| Total risk-based capital ratio | 15.5292% | 3,930 |
| Memoranda: | ||
| Average total assets | $55,213,670 | 6,288 |
| Average earning assets | $49,612,000 | 6,310 |
| Average equity | $4,977,000 | 6,540 |
| Average total loans | $44,239,670 | 5,603 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 2,510 |
| Cost of funding earning assets | 1.7449% | 461 |
| Net interest margin | 3.3858% | 5,479 |
| Noninterest income to average assets | 0.1079% | 6,869 |
| Noninterest expense to average assets | 3.0873% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0504% | 6,234 |
| Return on assets (ROA) | 0.0504% | 6,273 |
| Pretax return on assets | 0.0648% | 6,247 |
| Return on Equity (ROE) | 0.5623% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.5623% | 5,606 |
| Net charge-offs to loans | 0.3347% | 2,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.2432% | 4,431 |
| Efficiency ratio | 97.9452% | 834 |
| Assets per employee ($millions) | 3.7362% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4884% | 7,292 |
| Loan loss allowance to noncurrent loans | 83.7209% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.8718% | 3,469 |
| Noncurrent loans to loans | 0.5834% | 5,860 |
| Net loans and leases to total assets | 78.5272% | 674 |
| Net loans and leases to deposits | 98.4718% | 547 |
| Net loans and leases to core deposits | 108.9628% | 789 |
| Total domestic deposits to total assets | 79.7459% | 6,005 |
| Equity capital to assets | 8.8914% | 5,363 |
| Core capital (leverage) ratio | 8.9926% | 4,624 |
| Tier 1 risk-based capital ratio | 15.3834% | 3,218 |
| Total risk-based capital ratio | 16.0503% | 3,510 |
| Memoranda: | ||
| Average total assets | $55,582,500 | 6,323 |
| Average earning assets | $49,973,500 | 6,344 |
| Average equity | $4,979,500 | 6,572 |
| Average total loans | $44,223,500 | 5,646 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 2,872 |
| Cost of funding earning assets | 2.1021% | 425 |
| Net interest margin | 3.2534% | 6,118 |
| Noninterest income to average assets | 0.2121% | 6,290 |
| Noninterest expense to average assets | 2.8383% | 4,442 |
| Loan and lease loss provision to assets | 0.0606% | 6,540 |
| Net operating income to assets | 0.1969% | 5,271 |
| Return on assets (ROA) | 0.1969% | 5,445 |
| Pretax return on assets | 0.2613% | 5,334 |
| Return on Equity (ROE) | 2.1122% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.1122% | 4,405 |
| Net charge-offs to loans | 0.0208% | 6,606 |
| Credit loss provision to net charge-offs | 355.5556% | 723 |
| Earnings coverage of net charge-offs (x) | 18.8889% | 1,088 |
| Efficiency ratio | 89.8143% | 1,335 |
| Assets per employee ($millions) | 3.6748% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5721% | 7,296 |
| Loan loss allowance to noncurrent loans | 44.8582% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 2.4872% | 2,783 |
| Noncurrent loans to loans | 1.2754% | 4,584 |
| Net loans and leases to total assets | 79.7667% | 689 |
| Net loans and leases to deposits | 100.4546% | 549 |
| Net loans and leases to core deposits | 110.5193% | 890 |
| Total domestic deposits to total assets | 79.4057% | 5,993 |
| Equity capital to assets | 9.0272% | 5,101 |
| Core capital (leverage) ratio | 9.1567% | 4,250 |
| Tier 1 risk-based capital ratio | 15.2190% | 3,142 |
| Total risk-based capital ratio | 15.9928% | 3,361 |
| Memoranda: | ||
| Average total assets | $52,814,200 | 6,434 |
| Average earning assets | $47,857,000 | 6,438 |
| Average equity | $4,923,800 | 6,690 |
| Average total loans | $43,276,600 | 5,777 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 2,914 |
| Cost of funding earning assets | 2.1666% | 419 |
| Net interest margin | 3.2274% | 6,259 |
| Noninterest income to average assets | 0.2118% | 6,397 |
| Noninterest expense to average assets | 2.8051% | 4,468 |
| Loan and lease loss provision to assets | 0.0817% | 6,226 |
| Net operating income to assets | 0.2016% | 5,507 |
| Return on assets (ROA) | 0.2016% | 5,665 |
| Pretax return on assets | 0.2527% | 5,608 |
| Return on Equity (ROE) | 2.1449% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.1449% | 4,892 |
| Net charge-offs to loans | 0.0279% | 6,286 |
| Credit loss provision to net charge-offs | 355.5556% | 879 |
| Earnings coverage of net charge-offs (x) | 14.5550% | 1,506 |
| Efficiency ratio | 89.3496% | 1,337 |
| Assets per employee ($millions) | 3.5502% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5802% | 7,375 |
| Loan loss allowance to noncurrent loans | 47.2897% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.3642% | 3,012 |
| Noncurrent loans to loans | 1.2269% | 4,797 |
| Net loans and leases to total assets | 81.4095% | 571 |
| Net loans and leases to deposits | 104.7503% | 405 |
| Net loans and leases to core deposits | 113.8083% | 845 |
| Total domestic deposits to total assets | 77.7177% | 6,316 |
| Equity capital to assets | 9.2971% | 5,146 |
| Core capital (leverage) ratio | 9.2345% | 4,305 |
| Tier 1 risk-based capital ratio | 15.6906% | 2,906 |
| Total risk-based capital ratio | 16.4924% | 3,098 |
| Memoranda: | ||
| Average total assets | $52,237,250 | 6,528 |
| Average earning assets | $47,385,500 | 6,539 |
| Average equity | $4,910,750 | 6,782 |
| Average total loans | $43,040,250 | 5,874 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3880% | 3,024 |
| Cost of funding earning assets | 2.1866% | 484 |
| Net interest margin | 3.2014% | 6,315 |
| Noninterest income to average assets | 0.2120% | 6,405 |
| Noninterest expense to average assets | 2.6821% | 4,985 |
| Loan and lease loss provision to assets | 0.1118% | 5,790 |
| Net operating income to assets | 0.2042% | 5,546 |
| Return on assets (ROA) | 0.2042% | 5,677 |
| Pretax return on assets | 0.3237% | 5,439 |
| Return on Equity (ROE) | 2.1644% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.1644% | 4,770 |
| Net charge-offs to loans | 0.0420% | 5,786 |
| Credit loss provision to net charge-offs | 322.2222% | 1,138 |
| Earnings coverage of net charge-offs (x) | 12.5556% | 1,670 |
| Efficiency ratio | 86.0321% | 1,704 |
| Assets per employee ($millions) | 3.5517% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5619% | 7,456 |
| Loan loss allowance to noncurrent loans | 178.5714% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.6424% | 3,971 |
| Noncurrent loans to loans | 0.3147% | 6,598 |
| Net loans and leases to total assets | 83.0449% | 435 |
| Net loans and leases to deposits | 108.2106% | 321 |
| Net loans and leases to core deposits | 118.4298% | 754 |
| Total domestic deposits to total assets | 76.7437% | 6,556 |
| Equity capital to assets | 9.2443% | 5,089 |
| Core capital (leverage) ratio | 9.2362% | 4,237 |
| Tier 1 risk-based capital ratio | 15.4147% | 2,944 |
| Total risk-based capital ratio | 16.1972% | 3,149 |
| Memoranda: | ||
| Average total assets | $51,898,670 | 6,589 |
| Average earning assets | $47,104,330 | 6,587 |
| Average equity | $4,897,330 | 6,814 |
| Average total loans | $42,851,670 | 5,910 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3440% | 3,321 |
| Cost of funding earning assets | 2.2081% | 574 |
| Net interest margin | 3.1360% | 6,502 |
| Noninterest income to average assets | 0.1718% | 6,743 |
| Noninterest expense to average assets | 2.6245% | 5,251 |
| Loan and lease loss provision to assets | 0.1172% | 5,432 |
| Net operating income to assets | 0.1797% | 5,757 |
| Return on assets (ROA) | 0.1797% | 5,887 |
| Pretax return on assets | 0.2812% | 5,658 |
| Return on Equity (ROE) | 1.8839% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.8839% | 4,992 |
| Net charge-offs to loans | 0.0381% | 5,045 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,542 |
| Efficiency ratio | 86.8217% | 1,708 |
| Assets per employee ($millions) | 3.7651% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5737% | 7,532 |
| Loan loss allowance to noncurrent loans | 463.4615% | 691 |
| Noncurrent assets plus other real estate owned to assets | 1.4911% | 4,272 |
| Noncurrent loans to loans | 0.1238% | 7,100 |
| Net loans and leases to total assets | 79.2400% | 943 |
| Net loans and leases to deposits | 103.4860% | 560 |
| Net loans and leases to core deposits | 114.8099% | 1,007 |
| Total domestic deposits to total assets | 76.5708% | 6,649 |
| Equity capital to assets | 9.2863% | 4,855 |
| Core capital (leverage) ratio | 9.5100% | 3,749 |
| Tier 1 risk-based capital ratio | 15.9769% | 2,668 |
| Total risk-based capital ratio | 16.7635% | 2,808 |
| Memoranda: | ||
| Average total assets | $51,210,000 | 6,692 |
| Average earning assets | $46,556,500 | 6,680 |
| Average equity | $4,883,500 | 6,884 |
| Average total loans | $42,031,000 | 6,023 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5658% | 3,781 |
| Cost of funding earning assets | 2.2709% | 1,766 |
| Net interest margin | 3.2948% | 5,770 |
| Noninterest income to average assets | 0.1722% | 6,846 |
| Noninterest expense to average assets | 2.7914% | 5,009 |
| Loan and lease loss provision to assets | 0.2899% | 5,109 |
| Net operating income to assets | 0.0525% | 5,330 |
| Return on assets (ROA) | 0.0525% | 5,388 |
| Pretax return on assets | 0.0987% | 5,226 |
| Return on Equity (ROE) | 0.5124% | 5,386 |
| Retained earnings to average equity (ytd only) | 0.5124% | 4,622 |
| Net charge-offs to loans | 0.0247% | 6,895 |
| Credit loss provision to net charge-offs | 1,380.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,121 |
| Efficiency ratio | 87.7807% | 1,900 |
| Assets per employee ($millions) | 3.5506% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5469% | 7,620 |
| Loan loss allowance to noncurrent loans | 25.3025% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 1.8287% | 3,630 |
| Noncurrent loans to loans | 2.1616% | 3,440 |
| Net loans and leases to total assets | 84.1354% | 416 |
| Net loans and leases to deposits | 111.7906% | 322 |
| Net loans and leases to core deposits | 137.3059% | 898 |
| Total domestic deposits to total assets | 75.2615% | 6,820 |
| Equity capital to assets | 9.8012% | 4,002 |
| Core capital (leverage) ratio | 9.8906% | 3,213 |
| Tier 1 risk-based capital ratio | 16.4823% | 2,325 |
| Total risk-based capital ratio | 17.2604% | 2,452 |
| Memoranda: | ||
| Average total assets | $47,610,800 | 6,807 |
| Average earning assets | $43,462,200 | 6,786 |
| Average equity | $4,878,800 | 6,990 |
| Average total loans | $40,487,600 | 6,076 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 3,796 |
| Cost of funding earning assets | 2.2702% | 2,108 |
| Net interest margin | 3.3416% | 5,480 |
| Noninterest income to average assets | 0.1614% | 7,045 |
| Noninterest expense to average assets | 2.7750% | 5,002 |
| Loan and lease loss provision to assets | 0.2464% | 4,983 |
| Net operating income to assets | 0.1048% | 5,450 |
| Return on assets (ROA) | 0.1048% | 5,500 |
| Pretax return on assets | 0.1869% | 5,330 |
| Return on Equity (ROE) | 1.0108% | 5,493 |
| Retained earnings to average equity (ytd only) | 1.0108% | 4,748 |
| Net charge-offs to loans | 0.0332% | 6,430 |
| Credit loss provision to net charge-offs | 870.0000% | 435 |
| Earnings coverage of net charge-offs (x) | 15.3031% | 1,543 |
| Efficiency ratio | 86.4960% | 2,014 |
| Assets per employee ($millions) | 3.5145% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4274% | 7,797 |
| Loan loss allowance to noncurrent loans | 20.5747% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 1.7682% | 3,710 |
| Noncurrent loans to loans | 2.0772% | 3,529 |
| Net loans and leases to total assets | 84.7611% | 455 |
| Net loans and leases to deposits | 116.9452% | 255 |
| Net loans and leases to core deposits | 140.5534% | 889 |
| Total domestic deposits to total assets | 72.4793% | 7,151 |
| Equity capital to assets | 9.9262% | 4,179 |
| Core capital (leverage) ratio | 9.9582% | 3,329 |
| Tier 1 risk-based capital ratio | 16.7697% | 2,342 |
| Total risk-based capital ratio | 17.3843% | 2,519 |
| Memoranda: | ||
| Average total assets | $47,086,500 | 6,869 |
| Average earning assets | $42,932,000 | 6,869 |
| Average equity | $4,880,500 | 7,051 |
| Average total loans | $40,096,500 | 6,152 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7049% | 3,513 |
| Cost of funding earning assets | 2.2365% | 2,638 |
| Net interest margin | 3.4684% | 4,942 |
| Noninterest income to average assets | 0.1380% | 7,268 |
| Noninterest expense to average assets | 2.7986% | 4,965 |
| Loan and lease loss provision to assets | 0.0474% | 6,762 |
| Net operating income to assets | 0.2803% | 4,982 |
| Return on assets (ROA) | 0.2803% | 5,082 |
| Pretax return on assets | 0.4485% | 4,794 |
| Return on Equity (ROE) | 2.6643% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.6643% | 3,845 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9476% | 2,371 |
| Assets per employee ($millions) | 3.4408% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2689% | 8,013 |
| Loan loss allowance to noncurrent loans | 9.8930% | 7,496 |
| Noncurrent assets plus other real estate owned to assets | 2.4019% | 2,700 |
| Noncurrent loans to loans | 2.7178% | 2,647 |
| Net loans and leases to total assets | 85.4705% | 440 |
| Net loans and leases to deposits | 118.3341% | 272 |
| Net loans and leases to core deposits | 141.8062% | 940 |
| Total domestic deposits to total assets | 72.2281% | 7,215 |
| Equity capital to assets | 10.1970% | 3,723 |
| Core capital (leverage) ratio | 10.4083% | 2,896 |
| Tier 1 risk-based capital ratio | 17.3202% | 2,205 |
| Total risk-based capital ratio | 17.7116% | 2,405 |
| Memoranda: | ||
| Average total assets | $46,381,000 | 6,966 |
| Average earning assets | $42,209,670 | 6,961 |
| Average equity | $4,879,330 | 7,105 |
| Average total loans | $39,500,670 | 6,225 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7660% | 3,450 |
| Cost of funding earning assets | 2.2348% | 2,987 |
| Net interest margin | 3.5312% | 4,608 |
| Noninterest income to average assets | 0.1319% | 7,347 |
| Noninterest expense to average assets | 2.8404% | 4,379 |
| Loan and lease loss provision to assets | 0.0440% | 6,419 |
| Net operating income to assets | 0.2814% | 5,365 |
| Return on assets (ROA) | 0.2814% | 5,534 |
| Pretax return on assets | 0.4573% | 5,215 |
| Return on Equity (ROE) | 2.6321% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.6321% | 4,416 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0000% | 2,194 |
| Assets per employee ($millions) | 3.5110% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2713% | 8,053 |
| Loan loss allowance to noncurrent loans | 26.2500% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 4,546 |
| Noncurrent loans to loans | 1.0335% | 4,922 |
| Net loans and leases to total assets | 84.5694% | 611 |
| Net loans and leases to deposits | 119.4159% | 301 |
| Net loans and leases to core deposits | 137.5771% | 1,221 |
| Total domestic deposits to total assets | 70.8192% | 7,350 |
| Equity capital to assets | 10.6895% | 3,300 |
| Core capital (leverage) ratio | 10.6561% | 2,781 |
| Tier 1 risk-based capital ratio | 18.2222% | 1,996 |
| Total risk-based capital ratio | 18.6144% | 2,171 |
| Memoranda: | ||
| Average total assets | $45,486,000 | 7,049 |
| Average earning assets | $41,345,500 | 7,044 |
| Average equity | $4,863,000 | 7,169 |
| Average total loans | $38,609,500 | 6,303 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9260% | 5,920 |
| Cost of funding earning assets | 2.8786% | 2,358 |
| Net interest margin | 3.0473% | 6,798 |
| Noninterest income to average assets | 0.1784% | 7,165 |
| Noninterest expense to average assets | 2.7899% | 4,862 |
| Loan and lease loss provision to assets | 0.0285% | 7,045 |
| Net operating income to assets | 0.0714% | 6,177 |
| Return on assets (ROA) | 0.0714% | 6,029 |
| Pretax return on assets | 0.1094% | 5,920 |
| Return on Equity (ROE) | 0.6241% | 6,028 |
| Retained earnings to average equity (ytd only) | 0.6241% | 4,868 |
| Net charge-offs to loans | 0.0506% | 6,064 |
| Credit loss provision to net charge-offs | 66.6667% | 6,127 |
| Earnings coverage of net charge-offs (x) | 3.2222% | 4,475 |
| Efficiency ratio | 95.2884% | 1,203 |
| Assets per employee ($millions) | 3.4868% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2596% | 8,117 |
| Loan loss allowance to noncurrent loans | 32.5733% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 4,666 |
| Noncurrent loans to loans | 0.7971% | 5,048 |
| Net loans and leases to total assets | 84.7449% | 776 |
| Net loans and leases to deposits | 123.6728% | 306 |
| Net loans and leases to core deposits | 142.6651% | 1,145 |
| Total domestic deposits to total assets | 68.5235% | 7,421 |
| Equity capital to assets | 10.6929% | 3,303 |
| Core capital (leverage) ratio | 10.7178% | 2,803 |
| Tier 1 risk-based capital ratio | 18.2424% | 1,980 |
| Total risk-based capital ratio | 18.6187% | 2,164 |
| Memoranda: | ||
| Average total assets | $42,044,800 | 7,126 |
| Average earning assets | $37,934,600 | 7,146 |
| Average equity | $4,806,800 | 7,206 |
| Average total loans | $35,544,400 | 6,391 |