Home > Methuen Co-operative Bank > Performance and Condition Ratios
Methuen Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 3,970 |
| Cost of funding earning assets | 1.1103% | 3,040 |
| Net interest margin | 2.8870% | 3,516 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.3967% | 2,607 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.4459% | 3,773 |
| Return on assets (ROA) | 0.4532% | 3,761 |
| Pretax return on assets | 0.6216% | 3,598 |
| Return on Equity (ROE) | 4.9900% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.9885% | 2,609 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.9881% | 853 |
| Assets per employee ($millions) | 7.4691% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5420% | 4,307 |
| Loan loss allowance to noncurrent loans | 110.4384% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 1,538 |
| Noncurrent loans to loans | 0.4908% | 1,561 |
| Net loans and leases to total assets | 72.2000% | 1,557 |
| Net loans and leases to deposits | 79.5367% | 2,149 |
| Net loans and leases to core deposits | 97.3991% | 1,572 |
| Total domestic deposits to total assets | 90.7700% | 566 |
| Equity capital to assets | 9.0298% | 2,656 |
| Core capital (leverage) ratio | 9.0826% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $130,635,600 | 3,545 |
| Average earning assets | $127,985,800 | 3,461 |
| Average equity | $11,867,400 | 3,540 |
| Average total loans | $90,837,800 | 3,280 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,979 |
| Cost of funding earning assets | 1.0191% | 2,982 |
| Net interest margin | 2.8946% | 3,558 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.3379% | 2,684 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 0.5023% | 3,763 |
| Return on assets (ROA) | 0.5120% | 3,733 |
| Pretax return on assets | 0.6919% | 3,569 |
| Return on Equity (ROE) | 5.6300% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.6273% | 2,740 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.7669% | 950 |
| Assets per employee ($millions) | 7.3559% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5754% | 4,298 |
| Loan loss allowance to noncurrent loans | 130.1205% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 1,764 |
| Noncurrent loans to loans | 0.4422% | 1,722 |
| Net loans and leases to total assets | 70.4700% | 1,771 |
| Net loans and leases to deposits | 77.6899% | 2,274 |
| Net loans and leases to core deposits | 93.2350% | 1,716 |
| Total domestic deposits to total assets | 90.7000% | 746 |
| Equity capital to assets | 9.0978% | 2,366 |
| Core capital (leverage) ratio | 9.0262% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $129,683,500 | 3,565 |
| Average earning assets | $127,039,500 | 3,482 |
| Average equity | $11,799,250 | 3,540 |
| Average total loans | $89,148,750 | 3,300 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7934% | 4,027 |
| Cost of funding earning assets | 0.8972% | 2,936 |
| Net interest margin | 2.8962% | 3,650 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.2815% | 2,863 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 0.5420% | 3,720 |
| Return on assets (ROA) | 0.5420% | 3,728 |
| Pretax return on assets | 0.7346% | 3,530 |
| Return on Equity (ROE) | 5.9600% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.9572% | 2,639 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.7102% | 1,109 |
| Assets per employee ($millions) | 7.7949% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6164% | 4,285 |
| Loan loss allowance to noncurrent loans | 278.8945% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 2,496 |
| Noncurrent loans to loans | 0.2210% | 2,381 |
| Net loans and leases to total assets | 67.5300% | 2,005 |
| Net loans and leases to deposits | 74.3344% | 2,458 |
| Net loans and leases to core deposits | 87.4155% | 1,973 |
| Total domestic deposits to total assets | 90.8500% | 696 |
| Equity capital to assets | 8.9780% | 2,526 |
| Core capital (leverage) ratio | 9.1550% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $128,776,000 | 3,583 |
| Average earning assets | $126,165,667 | 3,500 |
| Average equity | $11,717,000 | 3,564 |
| Average total loans | $87,583,667 | 3,327 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6363% | 4,117 |
| Cost of funding earning assets | 0.7144% | 3,013 |
| Net interest margin | 2.9219% | 3,756 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.3387% | 2,705 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.4980% | 3,904 |
| Return on assets (ROA) | 0.4980% | 3,868 |
| Pretax return on assets | 0.6745% | 3,710 |
| Return on Equity (ROE) | 5.4400% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.4356% | 2,908 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.1876% | 986 |
| Assets per employee ($millions) | 7.9806% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 4,290 |
| Loan loss allowance to noncurrent loans | 289.0000% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 2,409 |
| Noncurrent loans to loans | 0.2290% | 2,352 |
| Net loans and leases to total assets | 67.9500% | 1,839 |
| Net loans and leases to deposits | 74.9333% | 2,220 |
| Net loans and leases to core deposits | 87.1635% | 1,793 |
| Total domestic deposits to total assets | 90.6800% | 922 |
| Equity capital to assets | 9.1676% | 2,394 |
| Core capital (leverage) ratio | 9.3608% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $126,907,500 | 3,647 |
| Average earning assets | $124,303,500 | 3,557 |
| Average equity | $11,627,000 | 3,604 |
| Average total loans | $86,353,500 | 3,383 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1361% | 3,930 |
| Cost of funding earning assets | 0.3148% | 2,755 |
| Net interest margin | 2.8213% | 3,845 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.2925% | 2,760 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.4881% | 4,103 |
| Return on assets (ROA) | 0.4894% | 4,065 |
| Pretax return on assets | 0.6622% | 3,922 |
| Return on Equity (ROE) | 5.2900% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.2936% | 2,929 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.4167% | 892 |
| Assets per employee ($millions) | 8.4084% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 4,175 |
| Loan loss allowance to noncurrent loans | 307.4627% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 2,419 |
| Noncurrent loans to loans | 0.2355% | 2,333 |
| Net loans and leases to total assets | 67.1900% | 1,911 |
| Net loans and leases to deposits | 74.0461% | 2,255 |
| Net loans and leases to core deposits | 79.9919% | 2,136 |
| Total domestic deposits to total assets | 90.7400% | 1,046 |
| Equity capital to assets | 9.1559% | 2,256 |
| Core capital (leverage) ratio | 9.3627% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $121,570,200 | 3,715 |
| Average earning assets | $118,811,600 | 3,640 |
| Average equity | $11,240,000 | 3,740 |
| Average total loans | $81,934,200 | 3,388 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0399% | 3,811 |
| Cost of funding earning assets | 0.2630% | 2,569 |
| Net interest margin | 2.7769% | 3,784 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.2685% | 2,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4964% | 4,082 |
| Return on assets (ROA) | 0.4982% | 4,026 |
| Pretax return on assets | 0.6753% | 3,844 |
| Return on Equity (ROE) | 5.3700% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.3748% | 2,965 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.1170% | 990 |
| Assets per employee ($millions) | 7.3589% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7213% | 4,219 |
| Loan loss allowance to noncurrent loans | 221.0909% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 2,060 |
| Noncurrent loans to loans | 0.3262% | 2,066 |
| Net loans and leases to total assets | 71.0700% | 1,388 |
| Net loans and leases to deposits | 78.7972% | 1,655 |
| Net loans and leases to core deposits | 83.7068% | 1,679 |
| Total domestic deposits to total assets | 90.2000% | 1,567 |
| Equity capital to assets | 9.6847% | 1,778 |
| Core capital (leverage) ratio | 9.4783% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $120,431,250 | 3,746 |
| Average earning assets | $117,633,750 | 3,678 |
| Average equity | $11,163,000 | 3,791 |
| Average total loans | $81,077,000 | 3,411 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9413% | 3,696 |
| Cost of funding earning assets | 0.2499% | 2,274 |
| Net interest margin | 2.6914% | 3,715 |
| Noninterest income to average assets | 0.2703% | 3,550 |
| Noninterest expense to average assets | 2.2831% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4540% | 3,991 |
| Return on assets (ROA) | 0.4566% | 3,943 |
| Pretax return on assets | 0.6182% | 3,777 |
| Return on Equity (ROE) | 4.9986% | 3,819 |
| Retained earnings to average equity (ytd only) | 4.9986% | 2,713 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7827% | 1,035 |
| Assets per employee ($millions) | 7.7098% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 4,278 |
| Loan loss allowance to noncurrent loans | 147.9319% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 1,665 |
| Noncurrent loans to loans | 0.4964% | 1,633 |
| Net loans and leases to total assets | 66.6323% | 1,618 |
| Net loans and leases to deposits | 73.3884% | 1,922 |
| Net loans and leases to core deposits | 77.6560% | 1,881 |
| Total domestic deposits to total assets | 90.7941% | 1,342 |
| Equity capital to assets | 9.1037% | 2,312 |
| Core capital (leverage) ratio | 9.1638% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,327,667 | 3,789 |
| Average earning assets | $118,452,667 | 3,716 |
| Average equity | $11,083,000 | 3,883 |
| Average total loans | $80,005,000 | 3,456 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 3,098 |
| Cost of funding earning assets | 0.2659% | 1,967 |
| Net interest margin | 2.7883% | 3,176 |
| Noninterest income to average assets | 0.1297% | 4,364 |
| Noninterest expense to average assets | 2.3439% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3757% | 4,007 |
| Return on assets (ROA) | 0.3757% | 3,972 |
| Pretax return on assets | 0.5053% | 3,865 |
| Return on Equity (ROE) | 4.1055% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.1055% | 2,895 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2637% | 963 |
| Assets per employee ($millions) | 7.6375% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 4,285 |
| Loan loss allowance to noncurrent loans | 146.1538% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 1,746 |
| Noncurrent loans to loans | 0.5303% | 1,706 |
| Net loans and leases to total assets | 63.7029% | 1,655 |
| Net loans and leases to deposits | 70.2015% | 1,950 |
| Net loans and leases to core deposits | 74.1056% | 1,929 |
| Total domestic deposits to total assets | 90.7430% | 1,161 |
| Equity capital to assets | 9.0556% | 2,662 |
| Core capital (leverage) ratio | 9.2298% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,313,500 | 3,813 |
| Average earning assets | $117,346,500 | 3,753 |
| Average equity | $11,009,500 | 3,953 |
| Average total loans | $78,606,000 | 3,480 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1171% | 3,653 |
| Cost of funding earning assets | 0.3377% | 2,045 |
| Net interest margin | 2.7794% | 3,714 |
| Noninterest income to average assets | 0.3661% | 3,239 |
| Noninterest expense to average assets | 2.2830% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5889% | 3,901 |
| Return on assets (ROA) | 0.5889% | 3,944 |
| Pretax return on assets | 0.7978% | 3,732 |
| Return on Equity (ROE) | 6.4480% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.4480% | 2,159 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1031% | 1,289 |
| Assets per employee ($millions) | 7.4017% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 4,313 |
| Loan loss allowance to noncurrent loans | 278.8991% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 2,646 |
| Noncurrent loans to loans | 0.2768% | 2,611 |
| Net loans and leases to total assets | 65.9909% | 1,470 |
| Net loans and leases to deposits | 72.8755% | 1,823 |
| Net loans and leases to core deposits | 77.0659% | 1,836 |
| Total domestic deposits to total assets | 90.5528% | 690 |
| Equity capital to assets | 9.2487% | 3,373 |
| Core capital (leverage) ratio | 9.1024% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,811,600 | 3,843 |
| Average earning assets | $113,119,400 | 3,776 |
| Average equity | $10,577,000 | 4,076 |
| Average total loans | $74,109,200 | 3,583 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0960% | 3,819 |
| Cost of funding earning assets | 0.3555% | 2,060 |
| Net interest margin | 2.7406% | 3,900 |
| Noninterest income to average assets | 0.1968% | 4,214 |
| Noninterest expense to average assets | 2.2705% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4504% | 4,297 |
| Return on assets (ROA) | 0.4504% | 4,332 |
| Pretax return on assets | 0.6044% | 4,226 |
| Return on Equity (ROE) | 4.9476% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.9476% | 3,238 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9770% | 814 |
| Assets per employee ($millions) | 7.0026% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 4,372 |
| Loan loss allowance to noncurrent loans | 293.7198% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 2,961 |
| Noncurrent loans to loans | 0.2667% | 2,854 |
| Net loans and leases to total assets | 64.6823% | 1,692 |
| Net loans and leases to deposits | 71.1681% | 2,130 |
| Net loans and leases to core deposits | 75.5994% | 2,093 |
| Total domestic deposits to total assets | 90.8866% | 405 |
| Equity capital to assets | 8.9546% | 3,871 |
| Core capital (leverage) ratio | 9.1158% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,157,750 | 3,897 |
| Average earning assets | $112,529,250 | 3,825 |
| Average equity | $10,483,000 | 4,139 |
| Average total loans | $72,946,750 | 3,651 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1595% | 3,749 |
| Cost of funding earning assets | 0.3756% | 2,081 |
| Net interest margin | 2.7839% | 3,817 |
| Noninterest income to average assets | 0.2196% | 4,090 |
| Noninterest expense to average assets | 2.2606% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5059% | 4,211 |
| Return on assets (ROA) | 0.5059% | 4,257 |
| Pretax return on assets | 0.6798% | 4,105 |
| Return on Equity (ROE) | 5.5257% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.5257% | 2,986 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8817% | 1,000 |
| Assets per employee ($millions) | 6.8371% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 4,401 |
| Loan loss allowance to noncurrent loans | 147.9319% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 2,180 |
| Noncurrent loans to loans | 0.5245% | 2,106 |
| Net loans and leases to total assets | 66.8884% | 1,599 |
| Net loans and leases to deposits | 73.6864% | 2,029 |
| Net loans and leases to core deposits | 79.0598% | 1,954 |
| Total domestic deposits to total assets | 90.7744% | 446 |
| Equity capital to assets | 9.0845% | 3,723 |
| Core capital (leverage) ratio | 9.0603% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,862,000 | 3,927 |
| Average earning assets | $111,282,333 | 3,854 |
| Average equity | $10,424,000 | 4,158 |
| Average total loans | $71,392,667 | 3,698 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2671% | 3,529 |
| Cost of funding earning assets | 0.3961% | 2,130 |
| Net interest margin | 2.8710% | 3,590 |
| Noninterest income to average assets | 0.1704% | 4,344 |
| Noninterest expense to average assets | 2.1548% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6070% | 3,925 |
| Return on assets (ROA) | 0.6070% | 3,988 |
| Pretax return on assets | 0.8200% | 3,772 |
| Return on Equity (ROE) | 6.6045% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.6045% | 2,695 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4344% | 1,456 |
| Assets per employee ($millions) | 7.2216% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 4,227 |
| Loan loss allowance to noncurrent loans | 143.7352% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 2,332 |
| Noncurrent loans to loans | 0.6091% | 2,045 |
| Net loans and leases to total assets | 59.5820% | 2,589 |
| Net loans and leases to deposits | 65.6026% | 2,962 |
| Net loans and leases to core deposits | 70.2318% | 2,845 |
| Total domestic deposits to total assets | 90.8226% | 462 |
| Equity capital to assets | 9.0372% | 3,643 |
| Core capital (leverage) ratio | 9.4151% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,677,500 | 3,945 |
| Average earning assets | $110,066,000 | 3,873 |
| Average equity | $10,356,500 | 4,174 |
| Average total loans | $67,912,500 | 3,777 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3711% | 4,237 |
| Cost of funding earning assets | 0.5230% | 2,796 |
| Net interest margin | 2.8481% | 4,190 |
| Noninterest income to average assets | 0.2540% | 3,963 |
| Noninterest expense to average assets | 2.6259% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2967% | 4,435 |
| Return on assets (ROA) | 0.3070% | 4,492 |
| Pretax return on assets | 0.4130% | 4,402 |
| Return on Equity (ROE) | 3.0228% | 4,373 |
| Retained earnings to average equity (ytd only) | 3.0228% | 3,338 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7812% | 497 |
| Assets per employee ($millions) | 6.8631% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 4,143 |
| Loan loss allowance to noncurrent loans | 143.7352% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 2,442 |
| Noncurrent loans to loans | 0.6373% | 2,091 |
| Net loans and leases to total assets | 59.8898% | 2,875 |
| Net loans and leases to deposits | 66.1653% | 3,256 |
| Net loans and leases to core deposits | 71.1081% | 3,165 |
| Total domestic deposits to total assets | 90.5154% | 370 |
| Equity capital to assets | 9.3534% | 3,734 |
| Core capital (leverage) ratio | 9.5385% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,003,000 | 3,997 |
| Average earning assets | $97,327,800 | 3,919 |
| Average equity | $10,156,200 | 4,177 |
| Average total loans | $58,685,800 | 3,943 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 4,200 |
| Cost of funding earning assets | 0.5440% | 2,969 |
| Net interest margin | 2.9633% | 4,062 |
| Noninterest income to average assets | 0.2501% | 3,981 |
| Noninterest expense to average assets | 2.6256% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3741% | 4,315 |
| Return on assets (ROA) | 0.3882% | 4,348 |
| Pretax return on assets | 0.5235% | 4,236 |
| Return on Equity (ROE) | 3.7389% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.7389% | 3,173 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8498% | 612 |
| Assets per employee ($millions) | 6.5934% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 3,909 |
| Loan loss allowance to noncurrent loans | 143.7352% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 2,576 |
| Noncurrent loans to loans | 0.6578% | 2,146 |
| Net loans and leases to total assets | 60.3820% | 3,183 |
| Net loans and leases to deposits | 66.9828% | 3,547 |
| Net loans and leases to core deposits | 71.7173% | 3,495 |
| Total domestic deposits to total assets | 90.1455% | 379 |
| Equity capital to assets | 9.7133% | 3,505 |
| Core capital (leverage) ratio | 9.8394% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,551,250 | 4,028 |
| Average earning assets | $94,846,500 | 3,952 |
| Average equity | $10,127,500 | 4,195 |
| Average total loans | $56,764,000 | 3,989 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,075 |
| Cost of funding earning assets | 0.5556% | 3,206 |
| Net interest margin | 3.1512% | 3,785 |
| Noninterest income to average assets | 0.2866% | 3,742 |
| Noninterest expense to average assets | 2.7691% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4257% | 4,175 |
| Return on assets (ROA) | 0.4257% | 4,240 |
| Pretax return on assets | 0.5774% | 4,100 |
| Return on Equity (ROE) | 4.0049% | 4,105 |
| Retained earnings to average equity (ytd only) | 4.0049% | 2,903 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7456% | 712 |
| Assets per employee ($millions) | 6.3813% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,593 |
| Loan loss allowance to noncurrent loans | 143.7352% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 2,637 |
| Noncurrent loans to loans | 0.6936% | 2,138 |
| Net loans and leases to total assets | 59.1391% | 3,412 |
| Net loans and leases to deposits | 65.7673% | 3,748 |
| Net loans and leases to core deposits | 69.7208% | 3,732 |
| Total domestic deposits to total assets | 89.9216% | 418 |
| Equity capital to assets | 9.9569% | 3,249 |
| Core capital (leverage) ratio | 10.3509% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,903,333 | 4,057 |
| Average earning assets | $92,154,667 | 3,997 |
| Average equity | $10,087,667 | 4,210 |
| Average total loans | $54,249,333 | 4,052 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 2,952 |
| Cost of funding earning assets | 0.5737% | 3,570 |
| Net interest margin | 3.7177% | 2,272 |
| Noninterest income to average assets | 0.3373% | 3,497 |
| Noninterest expense to average assets | 2.9265% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7404% | 3,129 |
| Return on assets (ROA) | 0.7404% | 3,208 |
| Pretax return on assets | 1.0164% | 2,793 |
| Return on Equity (ROE) | 6.7274% | 3,055 |
| Retained earnings to average equity (ytd only) | 6.7274% | 1,636 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2222% | 1,785 |
| Assets per employee ($millions) | 5.8228% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,744 |
| Loan loss allowance to noncurrent loans | 95.8991% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 1,963 |
| Noncurrent loans to loans | 1.2362% | 1,317 |
| Net loans and leases to total assets | 54.3960% | 3,952 |
| Net loans and leases to deposits | 61.1455% | 4,154 |
| Net loans and leases to core deposits | 65.4509% | 4,111 |
| Total domestic deposits to total assets | 88.9615% | 680 |
| Equity capital to assets | 10.8764% | 2,963 |
| Core capital (leverage) ratio | 11.1754% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,305,000 | 4,099 |
| Average earning assets | $88,550,500 | 4,047 |
| Average equity | $10,048,500 | 4,237 |
| Average total loans | $50,879,500 | 4,142 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 4,732 |
| Cost of funding earning assets | 0.5981% | 3,643 |
| Net interest margin | 3.0454% | 4,460 |
| Noninterest income to average assets | 0.2793% | 4,012 |
| Noninterest expense to average assets | 2.6456% | 3,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4222% | 4,556 |
| Return on assets (ROA) | 0.4222% | 4,585 |
| Pretax return on assets | 0.5716% | 4,462 |
| Return on Equity (ROE) | 3.9881% | 4,463 |
| Retained earnings to average equity (ytd only) | 3.9881% | 2,967 |
| Net charge-offs to loans | 0.0019% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 528.0000% | 181 |
| Efficiency ratio | 82.2342% | 785 |
| Assets per employee ($millions) | 5.5903% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,413 |
| Loan loss allowance to noncurrent loans | 142.0561% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 2,496 |
| Noncurrent loans to loans | 0.8480% | 1,818 |
| Net loans and leases to total assets | 55.7493% | 3,937 |
| Net loans and leases to deposits | 62.8807% | 4,145 |
| Net loans and leases to core deposits | 66.4503% | 4,169 |
| Total domestic deposits to total assets | 88.6590% | 816 |
| Equity capital to assets | 11.1398% | 2,871 |
| Core capital (leverage) ratio | 10.8987% | 2,592 |
| Tier 1 risk-based capital ratio | 23.3562% | 881 |
| Total risk-based capital ratio | 24.6080% | 862 |
| Memoranda: | ||
| Average total assets | $92,379,800 | 4,106 |
| Average earning assets | $89,117,400 | 4,057 |
| Average equity | $9,779,200 | 4,270 |
| Average total loans | $51,418,000 | 4,150 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 4,852 |
| Cost of funding earning assets | 0.6000% | 3,702 |
| Net interest margin | 3.0326% | 4,583 |
| Noninterest income to average assets | 0.2950% | 3,973 |
| Noninterest expense to average assets | 2.5731% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4754% | 4,579 |
| Return on assets (ROA) | 0.4754% | 4,617 |
| Pretax return on assets | 0.6458% | 4,455 |
| Return on Equity (ROE) | 4.5480% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.5480% | 3,123 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9377% | 929 |
| Assets per employee ($millions) | 5.8276% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,498 |
| Loan loss allowance to noncurrent loans | 62.2063% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 1,263 |
| Noncurrent loans to loans | 1.9310% | 718 |
| Net loans and leases to total assets | 53.7221% | 4,204 |
| Net loans and leases to deposits | 60.2149% | 4,375 |
| Net loans and leases to core deposits | 63.3590% | 4,408 |
| Total domestic deposits to total assets | 89.2172% | 547 |
| Equity capital to assets | 10.6241% | 3,439 |
| Core capital (leverage) ratio | 10.8401% | 2,799 |
| Tier 1 risk-based capital ratio | 23.0877% | 940 |
| Total risk-based capital ratio | 24.3393% | 920 |
| Memoranda: | ||
| Average total assets | $93,113,500 | 4,145 |
| Average earning assets | $89,776,500 | 4,096 |
| Average equity | $9,733,000 | 4,319 |
| Average total loans | $51,654,250 | 4,198 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 4,911 |
| Cost of funding earning assets | 0.5956% | 3,671 |
| Net interest margin | 3.0339% | 4,632 |
| Noninterest income to average assets | 0.3051% | 3,889 |
| Noninterest expense to average assets | 2.6217% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4470% | 4,647 |
| Return on assets (ROA) | 0.4470% | 4,676 |
| Pretax return on assets | 0.6060% | 4,532 |
| Return on Equity (ROE) | 4.2996% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.2996% | 3,102 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2250% | 859 |
| Assets per employee ($millions) | 5.7615% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,527 |
| Loan loss allowance to noncurrent loans | 60.9000% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.0848% | 1,258 |
| Noncurrent loans to loans | 1.9697% | 733 |
| Net loans and leases to total assets | 54.4129% | 4,183 |
| Net loans and leases to deposits | 60.9418% | 4,380 |
| Net loans and leases to core deposits | 64.1465% | 4,405 |
| Total domestic deposits to total assets | 89.2866% | 544 |
| Equity capital to assets | 10.6114% | 3,428 |
| Core capital (leverage) ratio | 10.6364% | 2,949 |
| Tier 1 risk-based capital ratio | 23.1719% | 934 |
| Total risk-based capital ratio | 24.4226% | 906 |
| Memoranda: | ||
| Average total assets | $93,071,000 | 4,173 |
| Average earning assets | $89,655,000 | 4,123 |
| Average equity | $9,675,330 | 4,344 |
| Average total loans | $51,972,330 | 4,220 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 4,943 |
| Cost of funding earning assets | 0.5784% | 3,684 |
| Net interest margin | 3.0434% | 4,693 |
| Noninterest income to average assets | 0.2866% | 3,961 |
| Noninterest expense to average assets | 2.6563% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4106% | 4,707 |
| Return on assets (ROA) | 0.4106% | 4,720 |
| Pretax return on assets | 0.5561% | 4,589 |
| Return on Equity (ROE) | 3.9909% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.9909% | 3,317 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6897% | 815 |
| Assets per employee ($millions) | 5.5170% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,710 |
| Loan loss allowance to noncurrent loans | 60.2970% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0769% | 1,287 |
| Noncurrent loans to loans | 1.9501% | 770 |
| Net loans and leases to total assets | 54.5736% | 4,164 |
| Net loans and leases to deposits | 60.9058% | 4,366 |
| Net loans and leases to core deposits | 64.6312% | 4,350 |
| Total domestic deposits to total assets | 89.6033% | 598 |
| Equity capital to assets | 10.3104% | 3,517 |
| Core capital (leverage) ratio | 10.4546% | 3,098 |
| Tier 1 risk-based capital ratio | 22.8254% | 956 |
| Total risk-based capital ratio | 24.0765% | 932 |
| Memoranda: | ||
| Average total assets | $93,514,500 | 4,211 |
| Average earning assets | $89,899,500 | 4,147 |
| Average equity | $9,622,000 | 4,386 |
| Average total loans | $52,574,000 | 4,252 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 4,977 |
| Cost of funding earning assets | 0.4860% | 3,440 |
| Net interest margin | 2.9515% | 4,848 |
| Noninterest income to average assets | 0.2467% | 4,445 |
| Noninterest expense to average assets | 2.6581% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2860% | 5,027 |
| Return on assets (ROA) | 0.2860% | 5,023 |
| Pretax return on assets | 0.3864% | 4,945 |
| Return on Equity (ROE) | 2.7760% | 4,942 |
| Retained earnings to average equity (ytd only) | 2.7760% | 4,010 |
| Net charge-offs to loans | 0.0037% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 493 |
| Efficiency ratio | 87.3073% | 460 |
| Assets per employee ($millions) | 5.8275% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,872 |
| Loan loss allowance to noncurrent loans | 143.2941% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 2,742 |
| Noncurrent loans to loans | 0.7966% | 2,010 |
| Net loans and leases to total assets | 56.5701% | 4,087 |
| Net loans and leases to deposits | 63.1303% | 4,307 |
| Net loans and leases to core deposits | 67.0216% | 4,296 |
| Total domestic deposits to total assets | 89.6085% | 620 |
| Equity capital to assets | 10.2681% | 3,412 |
| Core capital (leverage) ratio | 10.2796% | 3,274 |
| Tier 1 risk-based capital ratio | 22.6464% | 949 |
| Total risk-based capital ratio | 23.8977% | 926 |
| Memoranda: | ||
| Average total assets | $91,606,000 | 4,240 |
| Average earning assets | $86,837,400 | 4,205 |
| Average equity | $9,438,200 | 4,389 |
| Average total loans | $53,748,000 | 4,228 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3866% | 5,048 |
| Cost of funding earning assets | 0.4637% | 3,434 |
| Net interest margin | 2.9229% | 4,947 |
| Noninterest income to average assets | 0.2544% | 4,448 |
| Noninterest expense to average assets | 2.6711% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2602% | 5,142 |
| Return on assets (ROA) | 0.2602% | 5,136 |
| Pretax return on assets | 0.3480% | 5,090 |
| Return on Equity (ROE) | 2.5236% | 5,067 |
| Retained earnings to average equity (ytd only) | 2.5236% | 4,390 |
| Net charge-offs to loans | 0.0050% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 118.8502% | 663 |
| Efficiency ratio | 88.4746% | 385 |
| Assets per employee ($millions) | 5.5198% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 2,986 |
| Loan loss allowance to noncurrent loans | 61.2060% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 1,360 |
| Noncurrent loans to loans | 1.8576% | 821 |
| Net loans and leases to total assets | 56.4319% | 4,176 |
| Net loans and leases to deposits | 62.8497% | 4,402 |
| Net loans and leases to core deposits | 65.4869% | 4,430 |
| Total domestic deposits to total assets | 89.7887% | 574 |
| Equity capital to assets | 10.1133% | 3,526 |
| Core capital (leverage) ratio | 10.5791% | 2,994 |
| Tier 1 risk-based capital ratio | 23.5706% | 880 |
| Total risk-based capital ratio | 24.8224% | 865 |
| Memoranda: | ||
| Average total assets | $91,197,500 | 4,293 |
| Average earning assets | $86,260,250 | 4,263 |
| Average equity | $9,404,250 | 4,435 |
| Average total loans | $53,846,250 | 4,275 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4177% | 5,020 |
| Cost of funding earning assets | 0.4560% | 3,313 |
| Net interest margin | 2.9617% | 4,931 |
| Noninterest income to average assets | 0.2635% | 4,425 |
| Noninterest expense to average assets | 2.6661% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2901% | 5,132 |
| Return on assets (ROA) | 0.2901% | 5,123 |
| Pretax return on assets | 0.3875% | 5,055 |
| Return on Equity (ROE) | 2.7945% | 5,052 |
| Retained earnings to average equity (ytd only) | 2.7945% | 4,135 |
| Net charge-offs to loans | 0.0074% | 2,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 767 |
| Efficiency ratio | 87.3096% | 506 |
| Assets per employee ($millions) | 5.5844% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,857 |
| Loan loss allowance to noncurrent loans | 297.0732% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 2,909 |
| Noncurrent loans to loans | 0.3954% | 3,274 |
| Net loans and leases to total assets | 57.3453% | 4,054 |
| Net loans and leases to deposits | 64.1783% | 4,268 |
| Net loans and leases to core deposits | 66.7613% | 4,324 |
| Total domestic deposits to total assets | 89.3531% | 788 |
| Equity capital to assets | 10.5686% | 3,052 |
| Core capital (leverage) ratio | 10.4578% | 3,074 |
| Tier 1 risk-based capital ratio | 24.8507% | 744 |
| Total risk-based capital ratio | 26.1033% | 726 |
| Memoranda: | ||
| Average total assets | $90,317,670 | 4,344 |
| Average earning assets | $85,085,670 | 4,317 |
| Average equity | $9,375,670 | 4,479 |
| Average total loans | $53,940,670 | 4,305 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 5,023 |
| Cost of funding earning assets | 0.4361% | 3,326 |
| Net interest margin | 2.9639% | 4,929 |
| Noninterest income to average assets | 0.2687% | 4,377 |
| Noninterest expense to average assets | 2.6960% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2643% | 5,152 |
| Return on assets (ROA) | 0.2643% | 5,152 |
| Pretax return on assets | 0.3568% | 5,088 |
| Return on Equity (ROE) | 2.5690% | 5,099 |
| Retained earnings to average equity (ytd only) | 2.5690% | 4,147 |
| Net charge-offs to loans | 0.0145% | 2,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,060 |
| Efficiency ratio | 88.3117% | 520 |
| Assets per employee ($millions) | 5.7424% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,318 |
| Loan loss allowance to noncurrent loans | 163.2708% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 3,198 |
| Noncurrent loans to loans | 0.6793% | 2,516 |
| Net loans and leases to total assets | 59.1034% | 3,841 |
| Net loans and leases to deposits | 65.8857% | 4,093 |
| Net loans and leases to core deposits | 68.6650% | 4,177 |
| Total domestic deposits to total assets | 89.7059% | 779 |
| Equity capital to assets | 10.2005% | 3,392 |
| Core capital (leverage) ratio | 10.3679% | 3,096 |
| Tier 1 risk-based capital ratio | 23.3739% | 910 |
| Total risk-based capital ratio | 24.6259% | 885 |
| Memoranda: | ||
| Average total assets | $90,801,500 | 4,386 |
| Average earning assets | $85,294,000 | 4,359 |
| Average equity | $9,342,000 | 4,531 |
| Average total loans | $54,987,500 | 4,328 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3426% | 5,026 |
| Cost of funding earning assets | 0.4297% | 2,959 |
| Net interest margin | 2.9129% | 5,026 |
| Noninterest income to average assets | 0.2906% | 4,386 |
| Noninterest expense to average assets | 2.5974% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1808% | 5,143 |
| Return on assets (ROA) | 0.1808% | 5,157 |
| Pretax return on assets | 0.3848% | 5,107 |
| Return on Equity (ROE) | 1.7611% | 5,101 |
| Retained earnings to average equity (ytd only) | 1.7611% | 4,263 |
| Net charge-offs to loans | 0.0090% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 69.4000% | 861 |
| Efficiency ratio | 87.0956% | 581 |
| Assets per employee ($millions) | 5.9817% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,295 |
| Loan loss allowance to noncurrent loans | 89.0671% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 2,047 |
| Noncurrent loans to loans | 1.2458% | 1,420 |
| Net loans and leases to total assets | 60.6877% | 3,771 |
| Net loans and leases to deposits | 67.9088% | 4,035 |
| Net loans and leases to core deposits | 71.1196% | 4,104 |
| Total domestic deposits to total assets | 89.3664% | 843 |
| Equity capital to assets | 10.3784% | 3,298 |
| Core capital (leverage) ratio | 10.3485% | 3,015 |
| Tier 1 risk-based capital ratio | 23.4252% | 862 |
| Total risk-based capital ratio | 24.6780% | 850 |
| Memoranda: | ||
| Average total assets | $90,168,600 | 4,420 |
| Average earning assets | $83,319,600 | 4,413 |
| Average equity | $9,255,600 | 4,573 |
| Average total loans | $55,655,600 | 4,303 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3277% | 5,071 |
| Cost of funding earning assets | 0.4263% | 2,914 |
| Net interest margin | 2.9014% | 5,084 |
| Noninterest income to average assets | 0.3013% | 4,373 |
| Noninterest expense to average assets | 2.6052% | 3,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2806% | 5,253 |
| Return on assets (ROA) | 0.2806% | 5,271 |
| Pretax return on assets | 0.3796% | 5,219 |
| Return on Equity (ROE) | 2.7412% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.7412% | 4,263 |
| Net charge-offs to loans | 0.0024% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 257.6391% | 343 |
| Efficiency ratio | 87.2835% | 552 |
| Assets per employee ($millions) | 6.0570% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,570 |
| Loan loss allowance to noncurrent loans | 62.1840% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 1,529 |
| Noncurrent loans to loans | 1.7473% | 1,029 |
| Net loans and leases to total assets | 61.6224% | 3,698 |
| Net loans and leases to deposits | 68.7919% | 4,055 |
| Net loans and leases to core deposits | 72.2292% | 4,113 |
| Total domestic deposits to total assets | 89.5779% | 627 |
| Equity capital to assets | 10.2790% | 3,607 |
| Core capital (leverage) ratio | 10.3023% | 3,196 |
| Tier 1 risk-based capital ratio | 22.6192% | 981 |
| Total risk-based capital ratio | 23.8713% | 966 |
| Memoranda: | ||
| Average total assets | $90,279,500 | 4,463 |
| Average earning assets | $83,498,250 | 4,453 |
| Average equity | $9,241,500 | 4,621 |
| Average total loans | $55,803,750 | 4,333 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3236% | 5,071 |
| Cost of funding earning assets | 0.4220% | 2,874 |
| Net interest margin | 2.9016% | 5,094 |
| Noninterest income to average assets | 0.2975% | 4,410 |
| Noninterest expense to average assets | 2.6019% | 3,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2819% | 5,261 |
| Return on assets (ROA) | 0.2819% | 5,279 |
| Pretax return on assets | 0.3819% | 5,208 |
| Return on Equity (ROE) | 2.7582% | 5,182 |
| Retained earnings to average equity (ytd only) | 2.7582% | 4,057 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2024% | 595 |
| Assets per employee ($millions) | 5.6981% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,694 |
| Loan loss allowance to noncurrent loans | 55.1477% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 1,387 |
| Noncurrent loans to loans | 1.9568% | 869 |
| Net loans and leases to total assets | 61.9370% | 3,638 |
| Net loans and leases to deposits | 69.0529% | 3,982 |
| Net loans and leases to core deposits | 72.3253% | 4,071 |
| Total domestic deposits to total assets | 89.6951% | 647 |
| Equity capital to assets | 10.1744% | 3,702 |
| Core capital (leverage) ratio | 10.3257% | 3,109 |
| Tier 1 risk-based capital ratio | 21.6532% | 1,094 |
| Total risk-based capital ratio | 22.9044% | 1,070 |
| Memoranda: | ||
| Average total assets | $90,087,670 | 4,496 |
| Average earning assets | $83,403,670 | 4,480 |
| Average equity | $9,209,000 | 4,649 |
| Average total loans | $55,537,670 | 4,370 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2970% | 5,105 |
| Cost of funding earning assets | 0.4223% | 2,793 |
| Net interest margin | 2.8747% | 5,128 |
| Noninterest income to average assets | 0.2814% | 4,541 |
| Noninterest expense to average assets | 2.6400% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2367% | 5,337 |
| Return on assets (ROA) | 0.2367% | 5,348 |
| Pretax return on assets | 0.3172% | 5,284 |
| Return on Equity (ROE) | 2.3105% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.3105% | 4,217 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2749% | 592 |
| Assets per employee ($millions) | 5.6373% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,688 |
| Loan loss allowance to noncurrent loans | 38.3801% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.7794% | 808 |
| Noncurrent loans to loans | 2.8808% | 495 |
| Net loans and leases to total assets | 61.0852% | 3,652 |
| Net loans and leases to deposits | 68.1009% | 3,981 |
| Net loans and leases to core deposits | 71.1305% | 4,064 |
| Total domestic deposits to total assets | 89.6981% | 793 |
| Equity capital to assets | 10.2021% | 3,508 |
| Core capital (leverage) ratio | 10.3122% | 3,093 |
| Tier 1 risk-based capital ratio | 21.6875% | 1,125 |
| Total risk-based capital ratio | 22.9390% | 1,099 |
| Memoranda: | ||
| Average total assets | $89,546,500 | 4,547 |
| Average earning assets | $83,347,500 | 4,519 |
| Average equity | $9,175,500 | 4,685 |
| Average total loans | $54,764,500 | 4,432 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1564% | 5,353 |
| Cost of funding earning assets | 0.4471% | 2,563 |
| Net interest margin | 2.7093% | 5,409 |
| Noninterest income to average assets | 0.2581% | 4,879 |
| Noninterest expense to average assets | 2.7392% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0022% | 5,640 |
| Return on assets (ROA) | 0.0022% | 5,663 |
| Pretax return on assets | -0.0056% | 5,659 |
| Return on Equity (ROE) | 0.0219% | 5,663 |
| Retained earnings to average equity (ytd only) | 0.0219% | 5,298 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2053% | 222 |
| Assets per employee ($millions) | 5.9264% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 3,465 |
| Loan loss allowance to noncurrent loans | 41.1765% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.6829% | 920 |
| Noncurrent loans to loans | 2.7798% | 529 |
| Net loans and leases to total assets | 59.8452% | 3,873 |
| Net loans and leases to deposits | 66.7813% | 4,188 |
| Net loans and leases to core deposits | 69.5707% | 4,275 |
| Total domestic deposits to total assets | 89.6137% | 817 |
| Equity capital to assets | 10.2918% | 3,394 |
| Core capital (leverage) ratio | 10.2171% | 3,206 |
| Tier 1 risk-based capital ratio | 22.6466% | 1,004 |
| Total risk-based capital ratio | 23.8991% | 987 |
| Memoranda: | ||
| Average total assets | $89,113,600 | 4,560 |
| Average earning assets | $81,422,400 | 4,556 |
| Average equity | $9,123,800 | 4,735 |
| Average total loans | $53,327,600 | 4,480 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2100% | 5,352 |
| Cost of funding earning assets | 0.4517% | 2,546 |
| Net interest margin | 2.7583% | 5,422 |
| Noninterest income to average assets | 0.2392% | 5,044 |
| Noninterest expense to average assets | 2.7976% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0419% | 5,740 |
| Return on assets (ROA) | -0.0419% | 5,757 |
| Pretax return on assets | -0.0658% | 5,757 |
| Return on Equity (ROE) | -0.4094% | 5,759 |
| Retained earnings to average equity (ytd only) | -0.4094% | 5,429 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4083% | 192 |
| Assets per employee ($millions) | 6.4189% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,616 |
| Loan loss allowance to noncurrent loans | 41.0941% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.6681% | 1,031 |
| Noncurrent loans to loans | 2.7735% | 582 |
| Net loans and leases to total assets | 59.4570% | 3,944 |
| Net loans and leases to deposits | 66.2357% | 4,317 |
| Net loans and leases to core deposits | 69.4405% | 4,368 |
| Total domestic deposits to total assets | 89.7658% | 573 |
| Equity capital to assets | 10.1474% | 3,984 |
| Core capital (leverage) ratio | 10.3197% | 3,206 |
| Tier 1 risk-based capital ratio | 21.5284% | 1,190 |
| Total risk-based capital ratio | 22.7796% | 1,174 |
| Memoranda: | ||
| Average total assets | $89,168,000 | 4,600 |
| Average earning assets | $80,579,750 | 4,612 |
| Average equity | $9,117,500 | 4,784 |
| Average total loans | $53,205,500 | 4,517 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 5,476 |
| Cost of funding earning assets | 0.4513% | 2,552 |
| Net interest margin | 2.7180% | 5,547 |
| Noninterest income to average assets | 0.2474% | 4,998 |
| Noninterest expense to average assets | 2.8268% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0787% | 5,805 |
| Return on assets (ROA) | -0.0787% | 5,824 |
| Pretax return on assets | -0.1147% | 5,836 |
| Return on Equity (ROE) | -0.7678% | 5,827 |
| Retained earnings to average equity (ytd only) | -0.7678% | 5,405 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2289% | 189 |
| Assets per employee ($millions) | 5.8052% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 3,587 |
| Loan loss allowance to noncurrent loans | 45.1613% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 1,193 |
| Noncurrent loans to loans | 2.5672% | 662 |
| Net loans and leases to total assets | 60.3091% | 3,845 |
| Net loans and leases to deposits | 67.4129% | 4,233 |
| Net loans and leases to core deposits | 70.7973% | 4,266 |
| Total domestic deposits to total assets | 89.4623% | 703 |
| Equity capital to assets | 10.4642% | 3,677 |
| Core capital (leverage) ratio | 10.3643% | 3,120 |
| Tier 1 risk-based capital ratio | 21.6396% | 1,178 |
| Total risk-based capital ratio | 22.8911% | 1,165 |
| Memoranda: | ||
| Average total assets | $88,935,670 | 4,640 |
| Average earning assets | $80,647,330 | 4,652 |
| Average equity | $9,117,000 | 4,819 |
| Average total loans | $52,925,000 | 4,556 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1474% | 5,553 |
| Cost of funding earning assets | 0.4503% | 2,581 |
| Net interest margin | 2.6970% | 5,623 |
| Noninterest income to average assets | 0.2537% | 4,927 |
| Noninterest expense to average assets | 2.9244% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2448% | 5,896 |
| Return on assets (ROA) | -0.2448% | 5,904 |
| Pretax return on assets | -0.2448% | 5,899 |
| Return on Equity (ROE) | -2.4124% | 5,918 |
| Retained earnings to average equity (ytd only) | -2.4124% | 5,422 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1362% | 164 |
| Assets per employee ($millions) | 6.0335% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 3,685 |
| Loan loss allowance to noncurrent loans | 53.5187% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 1,698 |
| Noncurrent loans to loans | 2.1767% | 950 |
| Net loans and leases to total assets | 57.7462% | 4,070 |
| Net loans and leases to deposits | 64.2584% | 4,424 |
| Net loans and leases to core deposits | 67.3618% | 4,445 |
| Total domestic deposits to total assets | 89.8655% | 649 |
| Equity capital to assets | 10.0461% | 4,022 |
| Core capital (leverage) ratio | 10.1618% | 3,355 |
| Tier 1 risk-based capital ratio | 21.2212% | 1,278 |
| Total risk-based capital ratio | 22.4722% | 1,251 |
| Memoranda: | ||
| Average total assets | $89,864,500 | 4,663 |
| Average earning assets | $80,829,500 | 4,684 |
| Average equity | $9,119,500 | 4,836 |
| Average total loans | $52,821,500 | 4,595 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0962% | 5,631 |
| Cost of funding earning assets | 0.4192% | 2,948 |
| Net interest margin | 2.6770% | 5,678 |
| Noninterest income to average assets | 0.2601% | 5,035 |
| Noninterest expense to average assets | 2.5805% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0930% | 5,765 |
| Return on assets (ROA) | 0.0930% | 5,806 |
| Pretax return on assets | 0.1278% | 5,773 |
| Return on Equity (ROE) | 0.9106% | 5,789 |
| Retained earnings to average equity (ytd only) | 0.9106% | 5,158 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2815% | 431 |
| Assets per employee ($millions) | 5.9484% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,665 |
| Loan loss allowance to noncurrent loans | 53.3333% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 1,642 |
| Noncurrent loans to loans | 2.1890% | 911 |
| Net loans and leases to total assets | 58.4460% | 4,023 |
| Net loans and leases to deposits | 65.1887% | 4,380 |
| Net loans and leases to core deposits | 68.1704% | 4,442 |
| Total domestic deposits to total assets | 89.6566% | 775 |
| Equity capital to assets | 10.2515% | 3,678 |
| Core capital (leverage) ratio | 10.2178% | 3,243 |
| Tier 1 risk-based capital ratio | 21.1028% | 1,276 |
| Total risk-based capital ratio | 22.3532% | 1,259 |
| Memoranda: | ||
| Average total assets | $89,208,200 | 4,692 |
| Average earning assets | $81,582,600 | 4,686 |
| Average equity | $9,115,200 | 4,819 |
| Average total loans | $52,643,000 | 4,592 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0799% | 5,728 |
| Cost of funding earning assets | 0.4098% | 3,126 |
| Net interest margin | 2.6701% | 5,760 |
| Noninterest income to average assets | 0.2631% | 5,057 |
| Noninterest expense to average assets | 2.5230% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1330% | 5,804 |
| Return on assets (ROA) | 0.1330% | 5,846 |
| Pretax return on assets | 0.1943% | 5,798 |
| Return on Equity (ROE) | 1.3029% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.3029% | 5,196 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8493% | 530 |
| Assets per employee ($millions) | 5.5521% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,833 |
| Loan loss allowance to noncurrent loans | 53.2872% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 1,797 |
| Noncurrent loans to loans | 2.1901% | 1,007 |
| Net loans and leases to total assets | 58.7253% | 4,052 |
| Net loans and leases to deposits | 65.5311% | 4,424 |
| Net loans and leases to core deposits | 68.3310% | 4,516 |
| Total domestic deposits to total assets | 89.6143% | 727 |
| Equity capital to assets | 10.3035% | 3,812 |
| Core capital (leverage) ratio | 10.3366% | 3,213 |
| Tier 1 risk-based capital ratio | 21.2194% | 1,308 |
| Total risk-based capital ratio | 22.4713% | 1,286 |
| Memoranda: | ||
| Average total assets | $89,203,750 | 4,743 |
| Average earning assets | $81,992,000 | 4,735 |
| Average equity | $9,107,250 | 4,886 |
| Average total loans | $52,612,500 | 4,644 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0330% | 5,827 |
| Cost of funding earning assets | 0.4044% | 3,229 |
| Net interest margin | 2.6286% | 5,850 |
| Noninterest income to average assets | 0.2709% | 5,016 |
| Noninterest expense to average assets | 2.5300% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1254% | 5,842 |
| Return on assets (ROA) | 0.1254% | 5,887 |
| Pretax return on assets | 0.1858% | 5,840 |
| Return on Equity (ROE) | 1.2319% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.2319% | 5,065 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1575% | 564 |
| Assets per employee ($millions) | 5.9900% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 3,881 |
| Loan loss allowance to noncurrent loans | 51.3761% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 1.3344% | 1,881 |
| Noncurrent loans to loans | 2.3062% | 1,018 |
| Net loans and leases to total assets | 57.1775% | 4,199 |
| Net loans and leases to deposits | 63.6857% | 4,562 |
| Net loans and leases to core deposits | 67.7534% | 4,505 |
| Total domestic deposits to total assets | 89.7807% | 754 |
| Equity capital to assets | 10.1503% | 3,864 |
| Core capital (leverage) ratio | 10.1871% | 3,352 |
| Tier 1 risk-based capital ratio | 19.0004% | 1,793 |
| Total risk-based capital ratio | 20.2504% | 1,761 |
| Memoranda: | ||
| Average total assets | $89,327,000 | 4,786 |
| Average earning assets | $83,086,670 | 4,759 |
| Average equity | $9,092,000 | 4,925 |
| Average total loans | $52,555,330 | 4,685 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0371% | 5,857 |
| Cost of funding earning assets | 0.4008% | 3,298 |
| Net interest margin | 2.6363% | 5,882 |
| Noninterest income to average assets | 0.2470% | 5,187 |
| Noninterest expense to average assets | 2.5105% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1258% | 5,835 |
| Return on assets (ROA) | 0.1258% | 5,896 |
| Pretax return on assets | 0.1886% | 5,845 |
| Return on Equity (ROE) | 1.2338% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.2338% | 4,994 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0116% | 647 |
| Assets per employee ($millions) | 5.9947% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 4,185 |
| Loan loss allowance to noncurrent loans | 36.8642% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.8583% | 1,309 |
| Noncurrent loans to loans | 3.1540% | 653 |
| Net loans and leases to total assets | 58.2351% | 3,911 |
| Net loans and leases to deposits | 64.8435% | 4,285 |
| Net loans and leases to core deposits | 68.9812% | 4,242 |
| Total domestic deposits to total assets | 89.8087% | 839 |
| Equity capital to assets | 10.1112% | 4,005 |
| Core capital (leverage) ratio | 10.2481% | 3,283 |
| Tier 1 risk-based capital ratio | 18.9231% | 1,892 |
| Total risk-based capital ratio | 20.1886% | 1,853 |
| Memoranda: | ||
| Average total assets | $89,065,500 | 4,830 |
| Average earning assets | $82,842,000 | 4,805 |
| Average equity | $9,078,000 | 4,971 |
| Average total loans | $52,838,000 | 4,707 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2360% | 5,790 |
| Cost of funding earning assets | 0.4320% | 3,361 |
| Net interest margin | 2.8041% | 5,799 |
| Noninterest income to average assets | 0.3016% | 4,957 |
| Noninterest expense to average assets | 2.6177% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1616% | 5,848 |
| Return on assets (ROA) | 0.1616% | 5,899 |
| Pretax return on assets | 0.2508% | 5,786 |
| Return on Equity (ROE) | 1.5908% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.5908% | 5,031 |
| Net charge-offs to loans | 0.0388% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 2,597 |
| Efficiency ratio | 91.2564% | 762 |
| Assets per employee ($millions) | 5.8807% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 4,176 |
| Loan loss allowance to noncurrent loans | 42.4828% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6438% | 1,641 |
| Noncurrent loans to loans | 2.7517% | 875 |
| Net loans and leases to total assets | 59.0391% | 3,915 |
| Net loans and leases to deposits | 65.8761% | 4,343 |
| Net loans and leases to core deposits | 70.4818% | 4,281 |
| Total domestic deposits to total assets | 89.6215% | 917 |
| Equity capital to assets | 10.2754% | 3,761 |
| Core capital (leverage) ratio | 10.1629% | 3,355 |
| Tier 1 risk-based capital ratio | 19.7887% | 1,643 |
| Total risk-based capital ratio | 21.0396% | 1,615 |
| Memoranda: | ||
| Average total assets | $88,514,000 | 4,879 |
| Average earning assets | $81,024,800 | 4,870 |
| Average equity | $8,989,400 | 4,978 |
| Average total loans | $54,099,400 | 4,690 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2253% | 5,875 |
| Cost of funding earning assets | 0.4308% | 3,457 |
| Net interest margin | 2.7945% | 5,876 |
| Noninterest income to average assets | 0.3221% | 4,862 |
| Noninterest expense to average assets | 2.6067% | 4,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1686% | 5,908 |
| Return on assets (ROA) | 0.1686% | 5,946 |
| Pretax return on assets | 0.2634% | 5,840 |
| Return on Equity (ROE) | 1.6646% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.6646% | 5,217 |
| Net charge-offs to loans | 0.0514% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.3332% | 2,817 |
| Efficiency ratio | 90.8233% | 784 |
| Assets per employee ($millions) | 5.9343% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 4,475 |
| Loan loss allowance to noncurrent loans | 39.3862% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 1.7570% | 1,701 |
| Noncurrent loans to loans | 2.9310% | 919 |
| Net loans and leases to total assets | 59.2536% | 3,896 |
| Net loans and leases to deposits | 66.0109% | 4,329 |
| Net loans and leases to core deposits | 70.2897% | 4,298 |
| Total domestic deposits to total assets | 89.7634% | 840 |
| Equity capital to assets | 10.1478% | 3,993 |
| Core capital (leverage) ratio | 10.2454% | 3,346 |
| Tier 1 risk-based capital ratio | 19.6212% | 1,754 |
| Total risk-based capital ratio | 20.8723% | 1,725 |
| Memoranda: | ||
| Average total assets | $88,589,750 | 4,928 |
| Average earning assets | $80,775,250 | 4,930 |
| Average equity | $8,970,750 | 5,018 |
| Average total loans | $54,450,500 | 4,711 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2399% | 5,885 |
| Cost of funding earning assets | 0.4303% | 3,547 |
| Net interest margin | 2.8096% | 5,883 |
| Noninterest income to average assets | 0.3234% | 4,828 |
| Noninterest expense to average assets | 2.6185% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1560% | 5,942 |
| Return on assets (ROA) | 0.1560% | 5,977 |
| Pretax return on assets | 0.2442% | 5,884 |
| Return on Equity (ROE) | 1.5419% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.5419% | 5,127 |
| Net charge-offs to loans | 0.0766% | 2,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.1429% | 2,982 |
| Efficiency ratio | 91.4692% | 799 |
| Assets per employee ($millions) | 5.9197% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 4,782 |
| Loan loss allowance to noncurrent loans | 49.3195% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 2,326 |
| Noncurrent loans to loans | 2.2863% | 1,424 |
| Net loans and leases to total assets | 60.8293% | 3,591 |
| Net loans and leases to deposits | 67.7461% | 4,080 |
| Net loans and leases to core deposits | 72.1456% | 4,039 |
| Total domestic deposits to total assets | 89.7901% | 913 |
| Equity capital to assets | 10.1243% | 3,941 |
| Core capital (leverage) ratio | 10.2167% | 3,314 |
| Tier 1 risk-based capital ratio | 18.9859% | 1,929 |
| Total risk-based capital ratio | 20.2361% | 1,888 |
| Memoranda: | ||
| Average total assets | $88,448,330 | 4,962 |
| Average earning assets | $79,940,000 | 4,984 |
| Average equity | $8,950,000 | 5,038 |
| Average total loans | $54,814,000 | 4,725 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2612% | 5,916 |
| Cost of funding earning assets | 0.4456% | 3,475 |
| Net interest margin | 2.8155% | 5,906 |
| Noninterest income to average assets | 0.2945% | 5,017 |
| Noninterest expense to average assets | 2.6961% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0816% | 6,067 |
| Return on assets (ROA) | 0.0816% | 6,092 |
| Pretax return on assets | 0.1178% | 6,046 |
| Return on Equity (ROE) | 0.8063% | 6,078 |
| Retained earnings to average equity (ytd only) | 0.8063% | 5,270 |
| Net charge-offs to loans | 0.1530% | 1,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.2381% | 3,139 |
| Efficiency ratio | 95.8132% | 653 |
| Assets per employee ($millions) | 5.2152% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 4,992 |
| Loan loss allowance to noncurrent loans | 66.5227% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 3,167 |
| Noncurrent loans to loans | 1.6970% | 2,289 |
| Net loans and leases to total assets | 60.8529% | 3,422 |
| Net loans and leases to deposits | 67.7300% | 3,885 |
| Net loans and leases to core deposits | 71.8092% | 3,891 |
| Total domestic deposits to total assets | 89.8464% | 1,157 |
| Equity capital to assets | 10.0826% | 3,744 |
| Core capital (leverage) ratio | 10.1332% | 3,382 |
| Tier 1 risk-based capital ratio | 19.6194% | 1,809 |
| Total risk-based capital ratio | 20.8705% | 1,783 |
| Memoranda: | ||
| Average total assets | $88,274,500 | 5,011 |
| Average earning assets | $78,990,000 | 5,051 |
| Average equity | $8,930,000 | 5,067 |
| Average total loans | $54,906,000 | 4,760 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3831% | 5,874 |
| Cost of funding earning assets | 0.5299% | 3,284 |
| Net interest margin | 2.8533% | 5,893 |
| Noninterest income to average assets | 0.2894% | 5,291 |
| Noninterest expense to average assets | 2.5107% | 4,733 |
| Loan and lease loss provision to assets | 0.0168% | 4,797 |
| Net operating income to assets | 0.2117% | 5,791 |
| Return on assets (ROA) | 0.2335% | 5,803 |
| Pretax return on assets | 0.3587% | 5,584 |
| Return on Equity (ROE) | 2.3721% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.3721% | 4,554 |
| Net charge-offs to loans | 0.0091% | 5,271 |
| Credit loss provision to net charge-offs | 300.0000% | 758 |
| Earnings coverage of net charge-offs (x) | 61.2000% | 676 |
| Efficiency ratio | 88.0141% | 1,215 |
| Assets per employee ($millions) | 5.1701% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 4,896 |
| Loan loss allowance to noncurrent loans | 62.3288% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.1628% | 3,072 |
| Noncurrent loans to loans | 1.8499% | 2,172 |
| Net loans and leases to total assets | 62.1315% | 3,336 |
| Net loans and leases to deposits | 69.2652% | 3,876 |
| Net loans and leases to core deposits | 73.5174% | 3,893 |
| Total domestic deposits to total assets | 89.7009% | 1,221 |
| Equity capital to assets | 10.1501% | 3,567 |
| Core capital (leverage) ratio | 10.1412% | 3,376 |
| Tier 1 risk-based capital ratio | 19.6195% | 1,749 |
| Total risk-based capital ratio | 20.8709% | 1,715 |
| Memoranda: | ||
| Average total assets | $89,495,800 | 4,990 |
| Average earning assets | $80,399,400 | 5,028 |
| Average equity | $8,810,800 | 5,141 |
| Average total loans | $54,961,600 | 4,780 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 5,971 |
| Cost of funding earning assets | 0.5519% | 3,244 |
| Net interest margin | 2.8021% | 6,016 |
| Noninterest income to average assets | 0.2951% | 5,336 |
| Noninterest expense to average assets | 2.5124% | 4,679 |
| Loan and lease loss provision to assets | 0.0222% | 4,563 |
| Net operating income to assets | 0.1792% | 5,966 |
| Return on assets (ROA) | 0.2076% | 5,976 |
| Pretax return on assets | 0.3278% | 5,804 |
| Return on Equity (ROE) | 2.1252% | 5,899 |
| Retained earnings to average equity (ytd only) | 2.1252% | 5,045 |
| Net charge-offs to loans | 0.0122% | 4,900 |
| Credit loss provision to net charge-offs | 300.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 41.1784% | 984 |
| Efficiency ratio | 89.1579% | 1,070 |
| Assets per employee ($millions) | 5.9299% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 5,095 |
| Loan loss allowance to noncurrent loans | 68.8649% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0399% | 3,573 |
| Noncurrent loans to loans | 1.6782% | 2,677 |
| Net loans and leases to total assets | 61.2508% | 3,483 |
| Net loans and leases to deposits | 68.1016% | 4,050 |
| Net loans and leases to core deposits | 72.2410% | 4,060 |
| Total domestic deposits to total assets | 89.9403% | 1,034 |
| Equity capital to assets | 9.9518% | 3,964 |
| Core capital (leverage) ratio | 9.9492% | 3,744 |
| Tier 1 risk-based capital ratio | 19.5711% | 1,847 |
| Total risk-based capital ratio | 20.8225% | 1,810 |
| Memoranda: | ||
| Average total assets | $89,897,000 | 5,038 |
| Average earning assets | $80,938,500 | 5,059 |
| Average equity | $8,783,250 | 5,193 |
| Average total loans | $54,890,750 | 4,826 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3943% | 5,921 |
| Cost of funding earning assets | 0.5784% | 3,140 |
| Net interest margin | 2.8159% | 5,971 |
| Noninterest income to average assets | 0.3104% | 5,224 |
| Noninterest expense to average assets | 2.5141% | 4,674 |
| Loan and lease loss provision to assets | 0.0333% | 4,271 |
| Net operating income to assets | 0.1880% | 5,936 |
| Return on assets (ROA) | 0.2306% | 5,946 |
| Pretax return on assets | 0.3658% | 5,714 |
| Return on Equity (ROE) | 2.3743% | 5,842 |
| Retained earnings to average equity (ytd only) | 2.3743% | 4,788 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3178% | 1,192 |
| Assets per employee ($millions) | 5.6364% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,122 |
| Loan loss allowance to noncurrent loans | 68.2979% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0423% | 3,666 |
| Noncurrent loans to loans | 1.7209% | 2,735 |
| Net loans and leases to total assets | 59.8561% | 3,681 |
| Net loans and leases to deposits | 66.4100% | 4,216 |
| Net loans and leases to core deposits | 70.7526% | 4,191 |
| Total domestic deposits to total assets | 90.1312% | 957 |
| Equity capital to assets | 9.7757% | 4,206 |
| Core capital (leverage) ratio | 9.7581% | 3,855 |
| Tier 1 risk-based capital ratio | 19.6781% | 1,805 |
| Total risk-based capital ratio | 20.9303% | 1,780 |
| Memoranda: | ||
| Average total assets | $90,213,000 | 5,059 |
| Average earning assets | $81,253,000 | 5,079 |
| Average equity | $8,760,330 | 5,231 |
| Average total loans | $54,814,670 | 4,861 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4460% | 5,843 |
| Cost of funding earning assets | 0.6064% | 3,050 |
| Net interest margin | 2.8396% | 5,945 |
| Noninterest income to average assets | 0.2837% | 5,430 |
| Noninterest expense to average assets | 2.4870% | 4,801 |
| Loan and lease loss provision to assets | 0.0665% | 3,527 |
| Net operating income to assets | 0.1818% | 5,943 |
| Return on assets (ROA) | 0.1818% | 6,057 |
| Pretax return on assets | 0.2837% | 5,890 |
| Return on Equity (ROE) | 1.8780% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.8780% | 5,057 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6563% | 1,358 |
| Assets per employee ($millions) | 6.0593% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,289 |
| Loan loss allowance to noncurrent loans | 81.7834% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8637% | 4,228 |
| Noncurrent loans to loans | 1.4374% | 3,410 |
| Net loans and leases to total assets | 59.3806% | 3,540 |
| Net loans and leases to deposits | 65.7581% | 4,088 |
| Net loans and leases to core deposits | 70.2583% | 4,048 |
| Total domestic deposits to total assets | 90.3015% | 877 |
| Equity capital to assets | 9.6303% | 4,664 |
| Core capital (leverage) ratio | 9.7040% | 3,786 |
| Tier 1 risk-based capital ratio | 19.2154% | 1,974 |
| Total risk-based capital ratio | 20.4667% | 1,952 |
| Memoranda: | ||
| Average total assets | $90,228,000 | 5,092 |
| Average earning assets | $81,138,500 | 5,115 |
| Average equity | $8,732,500 | 5,291 |
| Average total loans | $54,911,000 | 4,892 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 6,139 |
| Cost of funding earning assets | 0.7121% | 3,394 |
| Net interest margin | 2.9330% | 6,170 |
| Noninterest income to average assets | 0.2600% | 5,605 |
| Noninterest expense to average assets | 2.5027% | 5,081 |
| Loan and lease loss provision to assets | 0.0678% | 4,902 |
| Net operating income to assets | 0.2428% | 5,653 |
| Return on assets (ROA) | 0.2419% | 5,859 |
| Pretax return on assets | 0.3142% | 5,792 |
| Return on Equity (ROE) | 2.4913% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.4913% | 4,477 |
| Net charge-offs to loans | 0.0018% | 5,967 |
| Credit loss provision to net charge-offs | 6,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 118 |
| Efficiency ratio | 86.7215% | 1,349 |
| Assets per employee ($millions) | 5.5979% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,409 |
| Loan loss allowance to noncurrent loans | 154.0541% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 5,344 |
| Noncurrent loans to loans | 0.7372% | 4,706 |
| Net loans and leases to total assets | 60.9405% | 3,434 |
| Net loans and leases to deposits | 67.5721% | 4,046 |
| Net loans and leases to core deposits | 71.7806% | 4,067 |
| Total domestic deposits to total assets | 90.1860% | 852 |
| Equity capital to assets | 9.7269% | 4,558 |
| Core capital (leverage) ratio | 9.7541% | 3,720 |
| Tier 1 risk-based capital ratio | 19.0160% | 1,953 |
| Total risk-based capital ratio | 20.2667% | 1,926 |
| Memoranda: | ||
| Average total assets | $88,466,000 | 5,127 |
| Average earning assets | $79,202,200 | 5,152 |
| Average equity | $8,590,000 | 5,339 |
| Average total loans | $54,651,400 | 4,912 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 6,277 |
| Cost of funding earning assets | 0.7302% | 3,515 |
| Net interest margin | 2.9409% | 6,289 |
| Noninterest income to average assets | 0.2600% | 5,708 |
| Noninterest expense to average assets | 2.5036% | 5,066 |
| Loan and lease loss provision to assets | 0.0680% | 4,833 |
| Net operating income to assets | 0.2066% | 5,899 |
| Return on assets (ROA) | 0.2056% | 6,071 |
| Pretax return on assets | 0.3175% | 5,923 |
| Return on Equity (ROE) | 2.1185% | 5,992 |
| Retained earnings to average equity (ytd only) | 2.1185% | 5,265 |
| Net charge-offs to loans | 0.0024% | 5,738 |
| Credit loss provision to net charge-offs | 4,500.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 256.6316% | 178 |
| Efficiency ratio | 86.6109% | 1,335 |
| Assets per employee ($millions) | 5.5663% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 5,719 |
| Loan loss allowance to noncurrent loans | 47.4787% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 1.4473% | 3,436 |
| Noncurrent loans to loans | 2.3165% | 2,486 |
| Net loans and leases to total assets | 61.7932% | 3,425 |
| Net loans and leases to deposits | 68.5087% | 4,097 |
| Net loans and leases to core deposits | 72.2370% | 4,220 |
| Total domestic deposits to total assets | 90.1976% | 733 |
| Equity capital to assets | 9.6946% | 4,930 |
| Core capital (leverage) ratio | 9.8038% | 3,812 |
| Tier 1 risk-based capital ratio | 18.6734% | 2,107 |
| Total risk-based capital ratio | 19.9234% | 2,077 |
| Memoranda: | ||
| Average total assets | $88,191,000 | 5,186 |
| Average earning assets | $78,884,250 | 5,210 |
| Average equity | $8,559,500 | 5,396 |
| Average total loans | $54,512,000 | 4,972 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 6,316 |
| Cost of funding earning assets | 0.7465% | 3,627 |
| Net interest margin | 2.9632% | 6,312 |
| Noninterest income to average assets | 0.2230% | 5,975 |
| Noninterest expense to average assets | 2.5165% | 5,084 |
| Loan and lease loss provision to assets | 0.0683% | 4,772 |
| Net operating income to assets | 0.1858% | 5,961 |
| Return on assets (ROA) | 0.1843% | 6,139 |
| Pretax return on assets | 0.2821% | 5,988 |
| Return on Equity (ROE) | 1.8981% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.8981% | 5,253 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7082% | 1,260 |
| Assets per employee ($millions) | 5.5673% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 5,793 |
| Loan loss allowance to noncurrent loans | 42.3513% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 1.5852% | 3,340 |
| Noncurrent loans to loans | 2.5868% | 2,321 |
| Net loans and leases to total assets | 60.6078% | 3,708 |
| Net loans and leases to deposits | 67.1063% | 4,345 |
| Net loans and leases to core deposits | 70.7405% | 4,444 |
| Total domestic deposits to total assets | 90.3161% | 755 |
| Equity capital to assets | 9.6311% | 4,862 |
| Core capital (leverage) ratio | 9.7403% | 3,788 |
| Tier 1 risk-based capital ratio | 18.5942% | 2,105 |
| Total risk-based capital ratio | 19.8448% | 2,062 |
| Memoranda: | ||
| Average total assets | $87,901,330 | 5,227 |
| Average earning assets | $78,497,330 | 5,257 |
| Average equity | $8,534,670 | 5,405 |
| Average total loans | $54,134,330 | 5,026 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 6,248 |
| Cost of funding earning assets | 0.7751% | 3,656 |
| Net interest margin | 3.0236% | 6,242 |
| Noninterest income to average assets | 0.1832% | 6,279 |
| Noninterest expense to average assets | 2.6158% | 4,761 |
| Loan and lease loss provision to assets | 0.0687% | 4,552 |
| Net operating income to assets | 0.1360% | 6,157 |
| Return on assets (ROA) | 0.1329% | 6,292 |
| Pretax return on assets | 0.1924% | 6,218 |
| Return on Equity (ROE) | 1.3627% | 6,270 |
| Retained earnings to average equity (ytd only) | 1.3627% | 5,554 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7790% | 1,034 |
| Assets per employee ($millions) | 5.8369% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 5,950 |
| Loan loss allowance to noncurrent loans | 44.6060% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 1.4928% | 3,627 |
| Noncurrent loans to loans | 2.4302% | 2,677 |
| Net loans and leases to total assets | 60.7609% | 3,500 |
| Net loans and leases to deposits | 67.3597% | 4,169 |
| Net loans and leases to core deposits | 71.1470% | 4,267 |
| Total domestic deposits to total assets | 90.2036% | 972 |
| Equity capital to assets | 9.7392% | 4,468 |
| Core capital (leverage) ratio | 9.7893% | 3,658 |
| Tier 1 risk-based capital ratio | 18.5237% | 2,138 |
| Total risk-based capital ratio | 19.7902% | 2,103 |
| Memoranda: | ||
| Average total assets | $87,314,000 | 5,282 |
| Average earning assets | $77,921,000 | 5,303 |
| Average equity | $8,512,500 | 5,425 |
| Average total loans | $53,909,000 | 5,076 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 6,483 |
| Cost of funding earning assets | 0.9192% | 3,965 |
| Net interest margin | 3.0665% | 6,413 |
| Noninterest income to average assets | 0.1178% | 6,557 |
| Noninterest expense to average assets | 2.7317% | 4,612 |
| Loan and lease loss provision to assets | 0.1049% | 5,273 |
| Net operating income to assets | 0.0443% | 5,971 |
| Return on assets (ROA) | 0.0443% | 6,081 |
| Pretax return on assets | 0.0000% | 6,127 |
| Return on Equity (ROE) | 0.4489% | 6,073 |
| Retained earnings to average equity (ytd only) | 0.4489% | 5,623 |
| Net charge-offs to loans | 0.0565% | 5,744 |
| Credit loss provision to net charge-offs | 300.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,706 |
| Efficiency ratio | 96.3009% | 810 |
| Assets per employee ($millions) | 5.8050% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,994 |
| Loan loss allowance to noncurrent loans | 37.4423% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 1.9719% | 3,008 |
| Noncurrent loans to loans | 2.8073% | 2,335 |
| Net loans and leases to total assets | 61.4057% | 3,710 |
| Net loans and leases to deposits | 68.1004% | 4,437 |
| Net loans and leases to core deposits | 71.5850% | 4,580 |
| Total domestic deposits to total assets | 90.1694% | 896 |
| Equity capital to assets | 9.7594% | 4,498 |
| Core capital (leverage) ratio | 9.7030% | 3,744 |
| Tier 1 risk-based capital ratio | 18.3182% | 2,101 |
| Total risk-based capital ratio | 19.5426% | 2,073 |
| Memoranda: | ||
| Average total assets | $85,769,400 | 5,293 |
| Average earning assets | $76,047,800 | 5,345 |
| Average equity | $8,464,400 | 5,413 |
| Average total loans | $53,134,600 | 5,149 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 6,601 |
| Cost of funding earning assets | 0.9424% | 4,096 |
| Net interest margin | 3.0509% | 6,494 |
| Noninterest income to average assets | 0.0655% | 6,893 |
| Noninterest expense to average assets | 2.7417% | 4,575 |
| Loan and lease loss provision to assets | 0.0702% | 5,574 |
| Net operating income to assets | -0.0468% | 6,212 |
| Return on assets (ROA) | -0.0468% | 6,310 |
| Pretax return on assets | -0.0437% | 6,273 |
| Return on Equity (ROE) | -0.4730% | 6,314 |
| Retained earnings to average equity (ytd only) | -0.4730% | 6,063 |
| Net charge-offs to loans | 0.0756% | 5,207 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 0.5668% | 5,201 |
| Efficiency ratio | 99.0417% | 694 |
| Assets per employee ($millions) | 5.5368% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 6,397 |
| Loan loss allowance to noncurrent loans | 35.8711% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9156% | 3,242 |
| Noncurrent loans to loans | 2.6952% | 2,594 |
| Net loans and leases to total assets | 60.4736% | 4,048 |
| Net loans and leases to deposits | 66.8826% | 4,774 |
| Net loans and leases to core deposits | 70.2320% | 4,925 |
| Total domestic deposits to total assets | 90.4175% | 670 |
| Equity capital to assets | 9.5159% | 5,059 |
| Core capital (leverage) ratio | 9.7686% | 3,745 |
| Tier 1 risk-based capital ratio | 17.9940% | 2,256 |
| Total risk-based capital ratio | 19.1103% | 2,269 |
| Memoranda: | ||
| Average total assets | $85,443,000 | 5,340 |
| Average earning assets | $75,692,000 | 5,396 |
| Average equity | $8,456,000 | 5,446 |
| Average total loans | $52,909,000 | 5,203 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 6,546 |
| Cost of funding earning assets | 0.9789% | 4,102 |
| Net interest margin | 3.0870% | 6,436 |
| Noninterest income to average assets | 0.2062% | 6,189 |
| Noninterest expense to average assets | 2.8082% | 4,401 |
| Loan and lease loss provision to assets | 0.0711% | 5,421 |
| Net operating income to assets | 0.0403% | 6,146 |
| Return on assets (ROA) | 0.0403% | 6,227 |
| Pretax return on assets | 0.0545% | 6,178 |
| Return on Equity (ROE) | 0.4017% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.4017% | 5,683 |
| Net charge-offs to loans | 0.0686% | 4,952 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 2.9444% | 3,376 |
| Efficiency ratio | 95.7189% | 893 |
| Assets per employee ($millions) | 5.3782% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 6,361 |
| Loan loss allowance to noncurrent loans | 30.1449% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 2.5101% | 2,655 |
| Noncurrent loans to loans | 3.3022% | 2,165 |
| Net loans and leases to total assets | 60.1016% | 4,252 |
| Net loans and leases to deposits | 66.7122% | 4,896 |
| Net loans and leases to core deposits | 70.6984% | 4,988 |
| Total domestic deposits to total assets | 90.0908% | 926 |
| Equity capital to assets | 9.8511% | 4,329 |
| Core capital (leverage) ratio | 9.8795% | 3,411 |
| Tier 1 risk-based capital ratio | 19.2554% | 1,766 |
| Total risk-based capital ratio | 20.4366% | 1,755 |
| Memoranda: | ||
| Average total assets | $84,394,330 | 5,415 |
| Average earning assets | $74,571,670 | 5,476 |
| Average equity | $8,464,670 | 5,467 |
| Average total loans | $52,513,330 | 5,260 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 6,290 |
| Cost of funding earning assets | 0.9905% | 4,267 |
| Net interest margin | 3.2043% | 6,058 |
| Noninterest income to average assets | 0.1101% | 6,862 |
| Noninterest expense to average assets | 2.8816% | 4,143 |
| Loan and lease loss provision to assets | 0.0718% | 5,108 |
| Net operating income to assets | -0.0144% | 6,372 |
| Return on assets (ROA) | -0.0144% | 6,394 |
| Pretax return on assets | -0.0096% | 6,365 |
| Return on Equity (ROE) | -0.1419% | 6,397 |
| Retained earnings to average equity (ytd only) | -0.1419% | 5,814 |
| Net charge-offs to loans | 0.1367% | 3,696 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 0.7222% | 4,093 |
| Efficiency ratio | 97.8862% | 839 |
| Assets per employee ($millions) | 5.3592% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,516 |
| Loan loss allowance to noncurrent loans | 33.3113% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 2.2753% | 2,977 |
| Noncurrent loans to loans | 2.8797% | 2,611 |
| Net loans and leases to total assets | 60.8068% | 4,114 |
| Net loans and leases to deposits | 67.5021% | 4,744 |
| Net loans and leases to core deposits | 71.5580% | 4,846 |
| Total domestic deposits to total assets | 90.0813% | 1,105 |
| Equity capital to assets | 9.8627% | 3,953 |
| Core capital (leverage) ratio | 10.0953% | 3,046 |
| Tier 1 risk-based capital ratio | 19.1465% | 1,762 |
| Total risk-based capital ratio | 20.2898% | 1,751 |
| Memoranda: | ||
| Average total assets | $83,566,000 | 5,479 |
| Average earning assets | $73,901,000 | 5,540 |
| Average equity | $8,458,500 | 5,468 |
| Average total loans | $52,651,000 | 5,301 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 6,126 |
| Cost of funding earning assets | 1.1739% | 4,706 |
| Net interest margin | 3.4217% | 5,540 |
| Noninterest income to average assets | 0.2910% | 5,702 |
| Noninterest expense to average assets | 2.8637% | 4,364 |
| Loan and lease loss provision to assets | 0.1505% | 5,693 |
| Net operating income to assets | 0.2407% | 5,133 |
| Return on assets (ROA) | 0.2684% | 5,202 |
| Pretax return on assets | 0.3148% | 5,189 |
| Return on Equity (ROE) | 2.5636% | 5,146 |
| Retained earnings to average equity (ytd only) | 2.5636% | 4,071 |
| Net charge-offs to loans | 0.1255% | 5,639 |
| Credit loss provision to net charge-offs | 187.5000% | 1,733 |
| Earnings coverage of net charge-offs (x) | 5.3906% | 2,637 |
| Efficiency ratio | 86.8721% | 1,582 |
| Assets per employee ($millions) | 5.0866% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 6,514 |
| Loan loss allowance to noncurrent loans | 28.7819% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 2.4759% | 2,793 |
| Noncurrent loans to loans | 3.3519% | 2,271 |
| Net loans and leases to total assets | 64.0769% | 3,860 |
| Net loans and leases to deposits | 71.5801% | 4,589 |
| Net loans and leases to core deposits | 73.9450% | 4,986 |
| Total domestic deposits to total assets | 89.5177% | 1,375 |
| Equity capital to assets | 10.3950% | 3,276 |
| Core capital (leverage) ratio | 10.3674% | 2,701 |
| Tier 1 risk-based capital ratio | 19.6529% | 1,565 |
| Total risk-based capital ratio | 20.8330% | 1,545 |
| Memoranda: | ||
| Average total assets | $79,722,200 | 5,601 |
| Average earning assets | $70,023,800 | 5,669 |
| Average equity | $8,347,600 | 5,602 |
| Average total loans | $50,983,000 | 5,444 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 6,216 |
| Cost of funding earning assets | 1.2209% | 4,735 |
| Net interest margin | 3.4230% | 5,595 |
| Noninterest income to average assets | 0.2690% | 5,968 |
| Noninterest expense to average assets | 2.8513% | 4,274 |
| Loan and lease loss provision to assets | 0.0841% | 6,198 |
| Net operating income to assets | 0.2303% | 5,419 |
| Return on assets (ROA) | 0.2303% | 5,578 |
| Pretax return on assets | 0.3362% | 5,409 |
| Return on Equity (ROE) | 2.1956% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.1956% | 4,854 |
| Net charge-offs to loans | 0.1688% | 4,958 |
| Credit loss provision to net charge-offs | 78.1250% | 5,191 |
| Earnings coverage of net charge-offs (x) | 3.9064% | 3,258 |
| Efficiency ratio | 87.1531% | 1,518 |
| Assets per employee ($millions) | 5.0548% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 6,884 |
| Loan loss allowance to noncurrent loans | 32.8090% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 2.0154% | 3,448 |
| Noncurrent loans to loans | 2.5991% | 3,024 |
| Net loans and leases to total assets | 62.9680% | 4,334 |
| Net loans and leases to deposits | 70.3242% | 5,100 |
| Net loans and leases to core deposits | 72.6124% | 5,447 |
| Total domestic deposits to total assets | 89.5395% | 1,104 |
| Equity capital to assets | 10.3653% | 3,683 |
| Core capital (leverage) ratio | 10.4929% | 2,695 |
| Tier 1 risk-based capital ratio | 19.7252% | 1,598 |
| Total risk-based capital ratio | 20.7558% | 1,609 |
| Memoranda: | ||
| Average total assets | $79,306,500 | 5,681 |
| Average earning assets | $69,565,750 | 5,750 |
| Average equity | $8,319,500 | 5,686 |
| Average total loans | $50,564,500 | 5,546 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 6,116 |
| Cost of funding earning assets | 1.2814% | 4,642 |
| Net interest margin | 3.4276% | 5,523 |
| Noninterest income to average assets | 0.2539% | 6,096 |
| Noninterest expense to average assets | 2.7975% | 4,491 |
| Loan and lease loss provision to assets | 0.0762% | 6,178 |
| Net operating income to assets | 0.2666% | 5,307 |
| Return on assets (ROA) | 0.2666% | 5,459 |
| Pretax return on assets | 0.3884% | 5,266 |
| Return on Equity (ROE) | 2.5306% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.5306% | 4,544 |
| Net charge-offs to loans | 0.0278% | 5,941 |
| Credit loss provision to net charge-offs | 428.5714% | 845 |
| Earnings coverage of net charge-offs (x) | 26.1429% | 1,008 |
| Efficiency ratio | 85.7588% | 1,743 |
| Assets per employee ($millions) | 5.0009% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 6,655 |
| Loan loss allowance to noncurrent loans | 35.3686% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 3,847 |
| Noncurrent loans to loans | 2.6353% | 3,003 |
| Net loans and leases to total assets | 63.0969% | 4,447 |
| Net loans and leases to deposits | 70.4998% | 5,206 |
| Net loans and leases to core deposits | 72.2895% | 5,642 |
| Total domestic deposits to total assets | 89.4995% | 1,181 |
| Equity capital to assets | 10.4368% | 3,487 |
| Core capital (leverage) ratio | 10.4478% | 2,669 |
| Tier 1 risk-based capital ratio | 19.9313% | 1,527 |
| Total risk-based capital ratio | 21.0649% | 1,514 |
| Memoranda: | ||
| Average total assets | $78,783,330 | 5,731 |
| Average earning assets | $69,145,000 | 5,800 |
| Average equity | $8,298,330 | 5,698 |
| Average total loans | $50,298,000 | 5,593 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 5,831 |
| Cost of funding earning assets | 1.3563% | 4,442 |
| Net interest margin | 3.4610% | 5,331 |
| Noninterest income to average assets | 0.2456% | 6,191 |
| Noninterest expense to average assets | 2.8349% | 4,346 |
| Loan and lease loss provision to assets | 0.0768% | 5,876 |
| Net operating income to assets | 0.2559% | 5,470 |
| Return on assets (ROA) | 0.2559% | 5,598 |
| Pretax return on assets | 0.3633% | 5,402 |
| Return on Equity (ROE) | 2.4178% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.4178% | 4,685 |
| Net charge-offs to loans | 0.0400% | 5,020 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,296 |
| Efficiency ratio | 86.5625% | 1,738 |
| Assets per employee ($millions) | 4.9489% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 6,758 |
| Loan loss allowance to noncurrent loans | 32.9529% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7706% | 3,832 |
| Noncurrent loans to loans | 2.8063% | 2,856 |
| Net loans and leases to total assets | 62.5104% | 4,655 |
| Net loans and leases to deposits | 69.8932% | 5,355 |
| Net loans and leases to core deposits | 72.2204% | 5,687 |
| Total domestic deposits to total assets | 89.4370% | 1,276 |
| Equity capital to assets | 10.4784% | 3,269 |
| Core capital (leverage) ratio | 10.5855% | 2,549 |
| Tier 1 risk-based capital ratio | 19.9227% | 1,542 |
| Total risk-based capital ratio | 21.0320% | 1,531 |
| Memoranda: | ||
| Average total assets | $78,167,500 | 5,820 |
| Average earning assets | $68,420,500 | 5,889 |
| Average equity | $8,272,000 | 5,745 |
| Average total loans | $49,966,000 | 5,668 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 5,986 |
| Cost of funding earning assets | 1.7567% | 4,217 |
| Net interest margin | 3.3673% | 5,500 |
| Noninterest income to average assets | 0.2826% | 6,084 |
| Noninterest expense to average assets | 3.1176% | 3,665 |
| Loan and lease loss provision to assets | 0.1122% | 6,521 |
| Net operating income to assets | 0.0046% | 5,469 |
| Return on assets (ROA) | -0.2443% | 5,892 |
| Pretax return on assets | -0.3209% | 5,853 |
| Return on Equity (ROE) | -2.2096% | 5,889 |
| Retained earnings to average equity (ytd only) | -2.2096% | 5,562 |
| Net charge-offs to loans | 0.0063% | 7,152 |
| Credit loss provision to net charge-offs | 2,833.3333% | 125 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 763 |
| Efficiency ratio | 96.3280% | 1,301 |
| Assets per employee ($millions) | 4.8221% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 6,792 |
| Loan loss allowance to noncurrent loans | 32.7299% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 2.1140% | 3,250 |
| Noncurrent loans to loans | 2.7635% | 2,793 |
| Net loans and leases to total assets | 64.1854% | 4,565 |
| Net loans and leases to deposits | 71.9500% | 5,334 |
| Net loans and leases to core deposits | 88.8142% | 5,244 |
| Total domestic deposits to total assets | 89.2085% | 1,383 |
| Equity capital to assets | 10.6892% | 2,976 |
| Core capital (leverage) ratio | 10.6001% | 2,503 |
| Tier 1 risk-based capital ratio | 19.8464% | 1,484 |
| Total risk-based capital ratio | 20.9343% | 1,487 |
| Memoranda: | ||
| Average total assets | $75,730,800 | 5,846 |
| Average earning assets | $66,432,200 | 5,923 |
| Average equity | $8,372,400 | 5,815 |
| Average total loans | $47,871,000 | 5,764 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1553% | 6,084 |
| Cost of funding earning assets | 1.8265% | 4,248 |
| Net interest margin | 3.3288% | 5,533 |
| Noninterest income to average assets | 0.3379% | 5,788 |
| Noninterest expense to average assets | 3.0089% | 4,013 |
| Loan and lease loss provision to assets | 0.0796% | 6,571 |
| Net operating income to assets | 0.1716% | 5,242 |
| Return on assets (ROA) | -0.2671% | 6,168 |
| Pretax return on assets | -0.2653% | 6,058 |
| Return on Equity (ROE) | -2.3957% | 6,151 |
| Retained earnings to average equity (ytd only) | -2.3957% | 5,799 |
| Net charge-offs to loans | 0.0084% | 6,840 |
| Credit loss provision to net charge-offs | 1,500.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 47.6650% | 664 |
| Efficiency ratio | 92.2451% | 1,525 |
| Assets per employee ($millions) | 4.8544% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 6,957 |
| Loan loss allowance to noncurrent loans | 45.8287% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.5437% | 4,050 |
| Noncurrent loans to loans | 1.8528% | 3,840 |
| Net loans and leases to total assets | 61.9408% | 5,253 |
| Net loans and leases to deposits | 69.4048% | 5,990 |
| Net loans and leases to core deposits | 87.1511% | 5,733 |
| Total domestic deposits to total assets | 89.2457% | 1,085 |
| Equity capital to assets | 10.6642% | 3,325 |
| Core capital (leverage) ratio | 10.7003% | 2,636 |
| Tier 1 risk-based capital ratio | 20.1024% | 1,539 |
| Total risk-based capital ratio | 21.1026% | 1,548 |
| Memoranda: | ||
| Average total assets | $75,375,250 | 5,896 |
| Average earning assets | $66,208,000 | 5,962 |
| Average equity | $8,403,750 | 5,851 |
| Average total loans | $47,345,500 | 5,835 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 5,785 |
| Cost of funding earning assets | 1.8894% | 4,321 |
| Net interest margin | 3.3820% | 5,243 |
| Noninterest income to average assets | 0.3485% | 5,716 |
| Noninterest expense to average assets | 2.9111% | 4,460 |
| Loan and lease loss provision to assets | 0.0804% | 6,382 |
| Net operating income to assets | 0.3234% | 4,789 |
| Return on assets (ROA) | 0.2332% | 5,237 |
| Pretax return on assets | 0.2359% | 5,370 |
| Return on Equity (ROE) | 2.0606% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.0606% | 4,198 |
| Net charge-offs to loans | 0.0128% | 6,377 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 678 |
| Efficiency ratio | 87.7221% | 2,049 |
| Assets per employee ($millions) | 4.8671% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 7,011 |
| Loan loss allowance to noncurrent loans | 40.3455% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 3,731 |
| Noncurrent loans to loans | 2.0859% | 3,404 |
| Net loans and leases to total assets | 60.0663% | 5,667 |
| Net loans and leases to deposits | 67.4667% | 6,252 |
| Net loans and leases to core deposits | 83.8761% | 6,096 |
| Total domestic deposits to total assets | 89.0310% | 1,255 |
| Equity capital to assets | 10.8997% | 3,019 |
| Core capital (leverage) ratio | 11.1520% | 2,285 |
| Tier 1 risk-based capital ratio | 20.5040% | 1,486 |
| Total risk-based capital ratio | 21.4595% | 1,493 |
| Memoranda: | ||
| Average total assets | $74,610,000 | 5,963 |
| Average earning assets | $65,522,670 | 6,025 |
| Average equity | $8,444,000 | 5,869 |
| Average total loans | $46,953,330 | 5,889 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 5,580 |
| Cost of funding earning assets | 1.9392% | 4,439 |
| Net interest margin | 3.4295% | 5,012 |
| Noninterest income to average assets | 0.3672% | 5,490 |
| Noninterest expense to average assets | 2.9324% | 4,042 |
| Loan and lease loss provision to assets | 0.0822% | 5,910 |
| Net operating income to assets | 0.3562% | 5,042 |
| Return on assets (ROA) | 0.1754% | 5,905 |
| Pretax return on assets | 0.1809% | 5,983 |
| Return on Equity (ROE) | 1.5198% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.5198% | 5,002 |
| Net charge-offs to loans | 0.0085% | 5,539 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 513 |
| Efficiency ratio | 86.7099% | 1,993 |
| Assets per employee ($millions) | 5.0059% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 7,074 |
| Loan loss allowance to noncurrent loans | 86.4865% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 5,705 |
| Noncurrent loans to loans | 0.9521% | 5,092 |
| Net loans and leases to total assets | 61.5949% | 5,402 |
| Net loans and leases to deposits | 69.4376% | 6,034 |
| Net loans and leases to core deposits | 85.9572% | 5,906 |
| Total domestic deposits to total assets | 88.7054% | 1,380 |
| Equity capital to assets | 11.2253% | 2,789 |
| Core capital (leverage) ratio | 11.5571% | 2,110 |
| Tier 1 risk-based capital ratio | 20.6058% | 1,505 |
| Total risk-based capital ratio | 21.5407% | 1,527 |
| Memoranda: | ||
| Average total assets | $72,978,000 | 6,029 |
| Average earning assets | $64,149,500 | 6,102 |
| Average equity | $8,422,000 | 5,912 |
| Average total loans | $46,843,500 | 5,921 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4780% | 7,345 |
| Cost of funding earning assets | 2.1418% | 5,869 |
| Net interest margin | 3.3362% | 5,914 |
| Noninterest income to average assets | 0.4039% | 5,440 |
| Noninterest expense to average assets | 3.0110% | 4,048 |
| Loan and lease loss provision to assets | 0.0905% | 6,252 |
| Net operating income to assets | 0.3927% | 5,179 |
| Return on assets (ROA) | 0.0696% | 6,035 |
| Pretax return on assets | 0.0292% | 6,097 |
| Return on Equity (ROE) | 0.5946% | 6,042 |
| Retained earnings to average equity (ytd only) | 0.5946% | 4,884 |
| Net charge-offs to loans | 0.0787% | 5,640 |
| Credit loss provision to net charge-offs | 180.5556% | 2,788 |
| Earnings coverage of net charge-offs (x) | 8.8333% | 2,812 |
| Efficiency ratio | 87.1774% | 1,747 |
| Assets per employee ($millions) | 4.4292% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 7,158 |
| Loan loss allowance to noncurrent loans | 47.9896% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 4,113 |
| Noncurrent loans to loans | 1.6386% | 3,313 |
| Net loans and leases to total assets | 65.8727% | 4,872 |
| Net loans and leases to deposits | 74.8337% | 5,756 |
| Net loans and leases to core deposits | 88.4984% | 5,928 |
| Total domestic deposits to total assets | 88.0255% | 1,465 |
| Equity capital to assets | 11.8744% | 2,372 |
| Core capital (leverage) ratio | 11.6448% | 2,162 |
| Tier 1 risk-based capital ratio | 20.6804% | 1,509 |
| Total risk-based capital ratio | 21.5878% | 1,532 |
| Memoranda: | ||
| Average total assets | $71,804,200 | 5,973 |
| Average earning assets | $65,644,200 | 5,974 |
| Average equity | $8,409,600 | 5,939 |
| Average total loans | $45,753,600 | 5,890 |