Home > Nashville Savings Bank > Performance and Condition Ratios
Nashville Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 3,667 |
| Cost of funding earning assets | 1.0637% | 3,164 |
| Net interest margin | 3.1139% | 3,066 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 1.5233% | 4,315 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0870% | 1,956 |
| Return on assets (ROA) | 1.0915% | 1,915 |
| Pretax return on assets | 1.5015% | 1,414 |
| Return on Equity (ROE) | 9.7900% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.7876% | 1,067 |
| 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 | 49.3323% | 4,021 |
| Assets per employee ($millions) | 15.1682% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 3,885 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.8100% | 2,274 |
| Net loans and leases to deposits | 74.5417% | 2,582 |
| Net loans and leases to core deposits | 88.0317% | 2,176 |
| Total domestic deposits to total assets | 88.2900% | 1,259 |
| Equity capital to assets | 11.4791% | 1,294 |
| Core capital (leverage) ratio | 12.1081% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $87,311,800 | 3,945 |
| Average earning assets | $85,550,800 | 3,879 |
| Average equity | $9,736,800 | 3,749 |
| Average total loans | $55,946,400 | 3,761 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,745 |
| Cost of funding earning assets | 1.0010% | 3,037 |
| Net interest margin | 3.0549% | 3,225 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 1.4894% | 4,322 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0906% | 2,085 |
| Return on assets (ROA) | 1.0943% | 2,058 |
| Pretax return on assets | 1.4986% | 1,554 |
| Return on Equity (ROE) | 9.8900% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.8890% | 1,432 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.1594% | 3,975 |
| Assets per employee ($millions) | 14.6577% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 3,935 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.7900% | 2,359 |
| Net loans and leases to deposits | 73.2944% | 2,624 |
| Net loans and leases to core deposits | 84.7392% | 2,279 |
| Total domestic deposits to total assets | 88.4000% | 1,445 |
| Equity capital to assets | 11.2546% | 1,254 |
| Core capital (leverage) ratio | 12.5316% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $86,387,500 | 3,972 |
| Average earning assets | $84,583,250 | 3,898 |
| Average equity | $9,559,250 | 3,763 |
| Average total loans | $54,833,500 | 3,780 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,690 |
| Cost of funding earning assets | 0.9326% | 2,825 |
| Net interest margin | 3.0690% | 3,284 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 1.4907% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1441% | 1,987 |
| Return on assets (ROA) | 1.1459% | 1,978 |
| Pretax return on assets | 1.5582% | 1,482 |
| Return on Equity (ROE) | 10.4200% | 2,586 |
| Retained earnings to average equity (ytd only) | 10.4167% | 1,305 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.9297% | 4,002 |
| Assets per employee ($millions) | 14.1292% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,044 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.4000% | 2,220 |
| Net loans and leases to deposits | 74.1191% | 2,479 |
| Net loans and leases to core deposits | 86.1272% | 2,062 |
| Total domestic deposits to total assets | 88.2400% | 1,518 |
| Equity capital to assets | 11.4538% | 1,212 |
| Core capital (leverage) ratio | 12.5246% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $85,868,000 | 3,991 |
| Average earning assets | $84,067,667 | 3,917 |
| Average equity | $9,446,333 | 3,804 |
| Average total loans | $53,959,667 | 3,806 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 3,889 |
| Cost of funding earning assets | 0.8032% | 2,723 |
| Net interest margin | 2.9811% | 3,642 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.5090% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0656% | 2,334 |
| Return on assets (ROA) | 1.0693% | 2,291 |
| Pretax return on assets | 1.4581% | 1,753 |
| Return on Equity (ROE) | 9.9200% | 2,809 |
| Retained earnings to average equity (ytd only) | 9.9200% | 1,720 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.9375% | 3,857 |
| Assets per employee ($millions) | 14.4627% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 4,026 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 60.7700% | 2,575 |
| Net loans and leases to deposits | 68.5449% | 2,732 |
| Net loans and leases to core deposits | 76.9230% | 2,467 |
| Total domestic deposits to total assets | 88.6600% | 1,681 |
| Equity capital to assets | 10.9627% | 1,358 |
| Core capital (leverage) ratio | 12.0042% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $86,414,500 | 4,036 |
| Average earning assets | $84,666,000 | 3,963 |
| Average equity | $9,314,500 | 3,858 |
| Average total loans | $52,994,500 | 3,861 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9673% | 4,170 |
| Cost of funding earning assets | 0.4038% | 2,067 |
| Net interest margin | 2.5635% | 4,218 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.4847% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7982% | 3,333 |
| Return on assets (ROA) | 0.7927% | 3,285 |
| Pretax return on assets | 1.0795% | 2,839 |
| Return on Equity (ROE) | 7.4500% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.4459% | 2,053 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.7413% | 3,379 |
| Assets per employee ($millions) | 14.3422% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 3,896 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.8500% | 2,570 |
| Net loans and leases to deposits | 68.2166% | 2,714 |
| Net loans and leases to core deposits | 75.0785% | 2,493 |
| Total domestic deposits to total assets | 89.1900% | 1,666 |
| Equity capital to assets | 10.5935% | 1,411 |
| Core capital (leverage) ratio | 11.7314% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $85,406,800 | 4,069 |
| Average earning assets | $83,712,600 | 3,999 |
| Average equity | $9,092,200 | 3,984 |
| Average total loans | $47,861,800 | 3,927 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7618% | 4,231 |
| Cost of funding earning assets | 0.3542% | 1,670 |
| Net interest margin | 2.4076% | 4,315 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.4389% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7322% | 3,474 |
| Return on assets (ROA) | 0.7273% | 3,437 |
| Pretax return on assets | 0.9807% | 3,073 |
| Return on Equity (ROE) | 6.8200% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.8233% | 2,436 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.3166% | 3,207 |
| Assets per employee ($millions) | 13.7763% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 3,846 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 60.3500% | 2,465 |
| Net loans and leases to deposits | 67.8247% | 2,544 |
| Net loans and leases to core deposits | 72.9606% | 2,424 |
| Total domestic deposits to total assets | 88.9700% | 2,107 |
| Equity capital to assets | 10.6874% | 1,296 |
| Core capital (leverage) ratio | 11.5091% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $85,245,250 | 4,100 |
| Average earning assets | $83,565,500 | 4,030 |
| Average equity | $9,086,250 | 4,027 |
| Average total loans | $46,624,000 | 3,968 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5288% | 4,353 |
| Cost of funding earning assets | 0.3433% | 1,332 |
| Net interest margin | 2.1855% | 4,452 |
| Noninterest income to average assets | 0.0697% | 4,586 |
| Noninterest expense to average assets | 1.4052% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5991% | 3,626 |
| Return on assets (ROA) | 0.5900% | 3,598 |
| Pretax return on assets | 0.7967% | 3,341 |
| Return on Equity (ROE) | 5.5396% | 3,694 |
| Retained earnings to average equity (ytd only) | 5.5396% | 2,496 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4837% | 2,842 |
| Assets per employee ($millions) | 14.1203% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 3,691 |
| Loan loss allowance to noncurrent loans | 1,375.7576% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,590 |
| Noncurrent loans to loans | 0.0711% | 3,445 |
| Net loans and leases to total assets | 54.2232% | 2,938 |
| Net loans and leases to deposits | 60.8456% | 2,986 |
| Net loans and leases to core deposits | 63.9525% | 2,971 |
| Total domestic deposits to total assets | 89.1162% | 2,128 |
| Equity capital to assets | 10.6525% | 1,372 |
| Core capital (leverage) ratio | 10.9229% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,107,667 | 4,128 |
| Average earning assets | $84,467,000 | 4,067 |
| Average equity | $9,170,333 | 4,086 |
| Average total loans | $45,387,000 | 4,041 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3520% | 4,416 |
| Cost of funding earning assets | 0.3474% | 1,230 |
| Net interest margin | 2.0046% | 4,512 |
| Noninterest income to average assets | 0.0922% | 4,535 |
| Noninterest expense to average assets | 1.4193% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5059% | 3,699 |
| Return on assets (ROA) | 0.5023% | 3,675 |
| Pretax return on assets | 0.6359% | 3,540 |
| Return on Equity (ROE) | 4.7171% | 3,696 |
| Retained earnings to average equity (ytd only) | 4.7171% | 2,699 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9038% | 2,384 |
| Assets per employee ($millions) | 14.9008% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,566 |
| Loan loss allowance to noncurrent loans | 1,375.7576% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,667 |
| Noncurrent loans to loans | 0.0755% | 3,465 |
| Net loans and leases to total assets | 48.3944% | 3,346 |
| Net loans and leases to deposits | 56.8166% | 3,187 |
| Net loans and leases to core deposits | 59.9042% | 3,155 |
| Total domestic deposits to total assets | 85.1764% | 3,503 |
| Equity capital to assets | 10.2041% | 1,757 |
| Core capital (leverage) ratio | 10.6773% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,800,500 | 4,134 |
| Average earning assets | $85,203,000 | 4,070 |
| Average equity | $9,243,000 | 4,136 |
| Average total loans | $44,884,000 | 4,060 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6447% | 4,366 |
| Cost of funding earning assets | 0.4752% | 1,033 |
| Net interest margin | 2.1696% | 4,503 |
| Noninterest income to average assets | 0.1758% | 4,278 |
| Noninterest expense to average assets | 1.5170% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5832% | 3,915 |
| Return on assets (ROA) | 0.5664% | 3,989 |
| Pretax return on assets | 0.7648% | 3,798 |
| Return on Equity (ROE) | 4.9165% | 4,013 |
| Retained earnings to average equity (ytd only) | 4.9165% | 2,814 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8670% | 2,277 |
| Assets per employee ($millions) | 14.0327% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 3,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.1510% | 2,831 |
| Net loans and leases to deposits | 64.4697% | 2,643 |
| Net loans and leases to core deposits | 68.2510% | 2,627 |
| Total domestic deposits to total assets | 83.9945% | 3,567 |
| Equity capital to assets | 11.1205% | 1,720 |
| Core capital (leverage) ratio | 11.3393% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,629,200 | 4,222 |
| Average earning assets | $78,080,400 | 4,155 |
| Average equity | $9,173,200 | 4,228 |
| Average total loans | $46,868,400 | 4,057 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6793% | 4,427 |
| Cost of funding earning assets | 0.5078% | 1,011 |
| Net interest margin | 2.1715% | 4,586 |
| Noninterest income to average assets | 0.1886% | 4,262 |
| Noninterest expense to average assets | 1.5289% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5885% | 4,019 |
| Return on assets (ROA) | 0.5657% | 4,115 |
| Pretax return on assets | 0.7593% | 3,959 |
| Return on Equity (ROE) | 4.8652% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.8652% | 3,267 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9824% | 2,102 |
| Assets per employee ($millions) | 13.3525% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 3,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.8404% | 2,390 |
| Net loans and leases to deposits | 70.7914% | 2,166 |
| Net loans and leases to core deposits | 75.2062% | 2,122 |
| Total domestic deposits to total assets | 83.1180% | 3,673 |
| Equity capital to assets | 11.5933% | 1,610 |
| Core capital (leverage) ratio | 11.6271% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,487,500 | 4,288 |
| Average earning assets | $76,934,000 | 4,221 |
| Average equity | $9,125,750 | 4,291 |
| Average total loans | $47,073,750 | 4,113 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6940% | 4,463 |
| Cost of funding earning assets | 0.5498% | 941 |
| Net interest margin | 2.1442% | 4,631 |
| Noninterest income to average assets | 0.1924% | 4,237 |
| Noninterest expense to average assets | 1.5370% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5714% | 4,045 |
| Return on assets (ROA) | 0.5491% | 4,159 |
| Pretax return on assets | 0.7287% | 4,009 |
| Return on Equity (ROE) | 4.7180% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.7180% | 3,293 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0022% | 2,014 |
| Assets per employee ($millions) | 13.2227% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.0216% | 2,667 |
| Net loans and leases to deposits | 69.7930% | 2,435 |
| Net loans and leases to core deposits | 74.6558% | 2,357 |
| Total domestic deposits to total assets | 83.1338% | 3,681 |
| Equity capital to assets | 11.5673% | 1,592 |
| Core capital (leverage) ratio | 11.4349% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,945,000 | 4,325 |
| Average earning assets | $76,391,333 | 4,256 |
| Average equity | $9,071,667 | 4,320 |
| Average total loans | $46,900,333 | 4,137 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7584% | 4,417 |
| Cost of funding earning assets | 0.5813% | 955 |
| Net interest margin | 2.1771% | 4,629 |
| Noninterest income to average assets | 0.2796% | 3,728 |
| Noninterest expense to average assets | 1.5897% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6181% | 3,895 |
| Return on assets (ROA) | 0.6058% | 3,992 |
| Pretax return on assets | 0.8078% | 3,799 |
| Return on Equity (ROE) | 5.1890% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.1890% | 3,168 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8798% | 2,251 |
| Assets per employee ($millions) | 13.1063% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,931 |
| Loan loss allowance to noncurrent loans | 5,044.4444% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,305 |
| Noncurrent loans to loans | 0.0194% | 4,188 |
| Net loans and leases to total assets | 58.4412% | 2,750 |
| Net loans and leases to deposits | 70.2986% | 2,476 |
| Net loans and leases to core deposits | 75.2284% | 2,410 |
| Total domestic deposits to total assets | 83.1328% | 3,660 |
| Equity capital to assets | 11.5275% | 1,526 |
| Core capital (leverage) ratio | 11.7315% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,249,500 | 4,351 |
| Average earning assets | $75,696,500 | 4,283 |
| Average equity | $9,019,000 | 4,333 |
| Average total loans | $47,107,500 | 4,157 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 4,202 |
| Cost of funding earning assets | 0.7771% | 1,311 |
| Net interest margin | 2.6155% | 4,482 |
| Noninterest income to average assets | 0.3391% | 3,432 |
| Noninterest expense to average assets | 1.7533% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8496% | 2,900 |
| Return on assets (ROA) | 0.8404% | 3,069 |
| Pretax return on assets | 1.1346% | 2,569 |
| Return on Equity (ROE) | 6.6740% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.6740% | 1,521 |
| Net charge-offs to loans | 0.0084% | 3,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 197.7500% | 469 |
| Efficiency ratio | 60.4698% | 3,388 |
| Assets per employee ($millions) | 12.6435% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 4,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 62.4168% | 2,555 |
| Net loans and leases to deposits | 75.4498% | 2,338 |
| Net loans and leases to core deposits | 80.9609% | 2,279 |
| Total domestic deposits to total assets | 82.7263% | 3,486 |
| Equity capital to assets | 11.8282% | 1,662 |
| Core capital (leverage) ratio | 12.2645% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,013,400 | 4,400 |
| Average earning assets | $67,559,600 | 4,330 |
| Average equity | $8,690,400 | 4,350 |
| Average total loans | $47,543,000 | 4,154 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5391% | 4,137 |
| Cost of funding earning assets | 0.8139% | 1,425 |
| Net interest margin | 2.7252% | 4,437 |
| Noninterest income to average assets | 0.3645% | 3,277 |
| Noninterest expense to average assets | 1.7632% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9316% | 2,592 |
| Return on assets (ROA) | 0.9113% | 2,783 |
| Pretax return on assets | 1.2421% | 2,259 |
| Return on Equity (ROE) | 7.1153% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.1153% | 1,640 |
| Net charge-offs to loans | -0.0028% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1699% | 3,642 |
| Assets per employee ($millions) | 11.8913% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 3,912 |
| Loan loss allowance to noncurrent loans | 473.1959% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 3,738 |
| Noncurrent loans to loans | 0.1996% | 3,591 |
| Net loans and leases to total assets | 67.4651% | 2,324 |
| Net loans and leases to deposits | 82.6934% | 2,042 |
| Net loans and leases to core deposits | 88.3973% | 2,113 |
| Total domestic deposits to total assets | 81.5846% | 3,523 |
| Equity capital to assets | 12.4096% | 1,463 |
| Core capital (leverage) ratio | 12.4829% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,301,500 | 4,436 |
| Average earning assets | $65,852,750 | 4,365 |
| Average equity | $8,619,750 | 4,376 |
| Average total loans | $47,477,750 | 4,177 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,105 |
| Cost of funding earning assets | 0.8531% | 1,584 |
| Net interest margin | 2.8386% | 4,402 |
| Noninterest income to average assets | 0.3093% | 3,610 |
| Noninterest expense to average assets | 1.8195% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9404% | 2,537 |
| Return on assets (ROA) | 0.9188% | 2,750 |
| Pretax return on assets | 1.2373% | 2,228 |
| Return on Equity (ROE) | 7.0946% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.0946% | 1,620 |
| Net charge-offs to loans | -0.0042% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9971% | 3,552 |
| Assets per employee ($millions) | 11.6595% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 3,707 |
| Loan loss allowance to noncurrent loans | 478.1250% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 3,831 |
| Noncurrent loans to loans | 0.2030% | 3,656 |
| Net loans and leases to total assets | 66.9354% | 2,504 |
| Net loans and leases to deposits | 82.1408% | 2,191 |
| Net loans and leases to core deposits | 87.9130% | 2,251 |
| Total domestic deposits to total assets | 81.4886% | 3,502 |
| Equity capital to assets | 12.4362% | 1,408 |
| Core capital (leverage) ratio | 12.8855% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,952,667 | 4,458 |
| Average earning assets | $64,467,333 | 4,401 |
| Average equity | $8,541,667 | 4,402 |
| Average total loans | $47,105,667 | 4,191 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 3,983 |
| Cost of funding earning assets | 0.9482% | 1,650 |
| Net interest margin | 2.9790% | 4,318 |
| Noninterest income to average assets | 0.1814% | 4,456 |
| Noninterest expense to average assets | 1.9515% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8632% | 2,644 |
| Return on assets (ROA) | 0.8632% | 2,747 |
| Pretax return on assets | 1.1384% | 2,400 |
| Return on Equity (ROE) | 6.5229% | 3,129 |
| Retained earnings to average equity (ytd only) | 6.5229% | 1,708 |
| Net charge-offs to loans | -0.0085% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 3,349 |
| Assets per employee ($millions) | 10.4967% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 3,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.1426% | 1,580 |
| Net loans and leases to deposits | 86.0373% | 1,996 |
| Net loans and leases to core deposits | 92.3867% | 2,118 |
| Total domestic deposits to total assets | 86.1750% | 1,931 |
| Equity capital to assets | 13.5630% | 1,198 |
| Core capital (leverage) ratio | 13.3930% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,950,500 | 4,502 |
| Average earning assets | $62,436,500 | 4,444 |
| Average equity | $8,462,500 | 4,431 |
| Average total loans | $47,016,000 | 4,206 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 3,977 |
| Cost of funding earning assets | 0.9122% | 2,147 |
| Net interest margin | 3.2183% | 4,148 |
| Noninterest income to average assets | 0.1813% | 4,583 |
| Noninterest expense to average assets | 1.9086% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0439% | 2,680 |
| Return on assets (ROA) | 1.0733% | 2,654 |
| Pretax return on assets | 1.4683% | 1,905 |
| Return on Equity (ROE) | 8.2309% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.2309% | 905 |
| Net charge-offs to loans | 0.0043% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 211 |
| Efficiency ratio | 57.1498% | 4,069 |
| Assets per employee ($millions) | 10.8202% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,619 |
| Loan loss allowance to noncurrent loans | 65.9942% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0690% | 1,157 |
| Noncurrent loans to loans | 1.4804% | 984 |
| Net loans and leases to total assets | 71.5023% | 2,169 |
| Net loans and leases to deposits | 82.2845% | 2,528 |
| Net loans and leases to core deposits | 88.0885% | 2,595 |
| Total domestic deposits to total assets | 86.8964% | 1,660 |
| Equity capital to assets | 12.9126% | 1,573 |
| Core capital (leverage) ratio | 13.2113% | 1,151 |
| Tier 1 risk-based capital ratio | 19.0290% | 1,507 |
| Total risk-based capital ratio | 20.0685% | 1,530 |
| Memoranda: | ||
| Average total assets | $61,773,200 | 4,569 |
| Average earning assets | $60,621,600 | 4,502 |
| Average equity | $8,055,000 | 4,502 |
| Average total loans | $46,410,400 | 4,252 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 3,975 |
| Cost of funding earning assets | 0.8968% | 2,246 |
| Net interest margin | 3.2801% | 4,125 |
| Noninterest income to average assets | 0.1793% | 4,648 |
| Noninterest expense to average assets | 1.8714% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1150% | 2,515 |
| Return on assets (ROA) | 1.1150% | 2,606 |
| Pretax return on assets | 1.5304% | 1,871 |
| Return on Equity (ROE) | 8.5285% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.5285% | 1,196 |
| Net charge-offs to loans | 0.0058% | 3,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 349.5543% | 279 |
| Efficiency ratio | 55.0129% | 4,283 |
| Assets per employee ($millions) | 10.1118% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.3820% | 1,586 |
| Net loans and leases to deposits | 87.6536% | 1,981 |
| Net loans and leases to core deposits | 94.3515% | 2,150 |
| Total domestic deposits to total assets | 85.9999% | 1,997 |
| Equity capital to assets | 13.6078% | 1,310 |
| Core capital (leverage) ratio | 13.6590% | 1,091 |
| Tier 1 risk-based capital ratio | 19.2247% | 1,518 |
| Total risk-based capital ratio | 20.3270% | 1,523 |
| Memoranda: | ||
| Average total assets | $60,986,250 | 4,641 |
| Average earning assets | $59,915,000 | 4,570 |
| Average equity | $7,973,000 | 4,562 |
| Average total loans | $46,293,500 | 4,306 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 4,020 |
| Cost of funding earning assets | 0.8793% | 2,245 |
| Net interest margin | 3.2806% | 4,178 |
| Noninterest income to average assets | 0.1932% | 4,597 |
| Noninterest expense to average assets | 1.8922% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1098% | 2,487 |
| Return on assets (ROA) | 1.1098% | 2,556 |
| Pretax return on assets | 1.5256% | 1,770 |
| Return on Equity (ROE) | 8.6055% | 3,024 |
| Retained earnings to average equity (ytd only) | 8.6055% | 1,164 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3640% | 4,331 |
| Assets per employee ($millions) | 9.9607% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 3,710 |
| Loan loss allowance to noncurrent loans | 23,000.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,806 |
| Noncurrent loans to loans | 0.0043% | 4,717 |
| Net loans and leases to total assets | 77.3191% | 1,345 |
| Net loans and leases to deposits | 89.7367% | 1,769 |
| Net loans and leases to core deposits | 96.1666% | 2,055 |
| Total domestic deposits to total assets | 86.1622% | 1,948 |
| Equity capital to assets | 13.5065% | 1,314 |
| Core capital (leverage) ratio | 13.3521% | 1,168 |
| Tier 1 risk-based capital ratio | 18.8322% | 1,595 |
| Total risk-based capital ratio | 19.9257% | 1,588 |
| Memoranda: | ||
| Average total assets | $61,091,330 | 4,674 |
| Average earning assets | $60,050,000 | 4,606 |
| Average equity | $7,878,670 | 4,599 |
| Average total loans | $46,327,000 | 4,331 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 4,149 |
| Cost of funding earning assets | 0.8565% | 2,239 |
| Net interest margin | 3.2348% | 4,319 |
| Noninterest income to average assets | 0.1360% | 4,916 |
| Noninterest expense to average assets | 1.9237% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0104% | 2,804 |
| Return on assets (ROA) | 1.0104% | 2,849 |
| Pretax return on assets | 1.3926% | 2,107 |
| Return on Equity (ROE) | 8.0185% | 3,255 |
| Retained earnings to average equity (ytd only) | 8.0185% | 1,652 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0078% | 4,075 |
| Assets per employee ($millions) | 10.2842% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.8011% | 1,672 |
| Net loans and leases to deposits | 86.0927% | 2,125 |
| Net loans and leases to core deposits | 91.9809% | 2,298 |
| Total domestic deposits to total assets | 86.8844% | 1,871 |
| Equity capital to assets | 12.7575% | 1,596 |
| Core capital (leverage) ratio | 12.7726% | 1,369 |
| Tier 1 risk-based capital ratio | 18.3216% | 1,711 |
| Total risk-based capital ratio | 19.4125% | 1,707 |
| Memoranda: | ||
| Average total assets | $61,755,000 | 4,710 |
| Average earning assets | $60,714,500 | 4,636 |
| Average equity | $7,782,000 | 4,641 |
| Average total loans | $46,156,000 | 4,384 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9967% | 4,039 |
| Cost of funding earning assets | 0.7052% | 2,061 |
| Net interest margin | 3.2915% | 4,276 |
| Noninterest income to average assets | 0.1657% | 4,894 |
| Noninterest expense to average assets | 1.9462% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0676% | 2,725 |
| Return on assets (ROA) | 1.0676% | 2,711 |
| Pretax return on assets | 1.4609% | 1,911 |
| Return on Equity (ROE) | 8.6614% | 3,157 |
| Retained earnings to average equity (ytd only) | 8.6614% | 995 |
| Net charge-offs to loans | 0.0154% | 3,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 124.7143% | 637 |
| Efficiency ratio | 57.1218% | 4,271 |
| Assets per employee ($millions) | 10.3008% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 3,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 73.1915% | 2,062 |
| Net loans and leases to deposits | 83.7859% | 2,532 |
| Net loans and leases to core deposits | 89.4540% | 2,615 |
| Total domestic deposits to total assets | 87.3554% | 1,608 |
| Equity capital to assets | 12.4456% | 1,610 |
| Core capital (leverage) ratio | 12.6514% | 1,392 |
| Tier 1 risk-based capital ratio | 18.1504% | 1,714 |
| Total risk-based capital ratio | 19.2318% | 1,718 |
| Memoranda: | ||
| Average total assets | $59,758,400 | 4,766 |
| Average earning assets | $58,849,200 | 4,696 |
| Average equity | $7,366,000 | 4,695 |
| Average total loans | $45,393,400 | 4,425 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 4,033 |
| Cost of funding earning assets | 0.6875% | 1,927 |
| Net interest margin | 3.2776% | 4,343 |
| Noninterest income to average assets | 0.1508% | 5,022 |
| Noninterest expense to average assets | 1.8836% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0869% | 2,727 |
| Return on assets (ROA) | 1.0869% | 2,736 |
| Pretax return on assets | 1.4965% | 1,909 |
| Return on Equity (ROE) | 8.8404% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.8404% | 1,285 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7257% | 4,413 |
| Assets per employee ($millions) | 9.8762% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,527 |
| Loan loss allowance to noncurrent loans | 46,700.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,035 |
| Noncurrent loans to loans | 0.0022% | 4,942 |
| Net loans and leases to total assets | 74.9498% | 1,824 |
| Net loans and leases to deposits | 86.1585% | 2,348 |
| Net loans and leases to core deposits | 92.2637% | 2,451 |
| Total domestic deposits to total assets | 86.9906% | 1,738 |
| Equity capital to assets | 12.6770% | 1,481 |
| Core capital (leverage) ratio | 12.7466% | 1,397 |
| Tier 1 risk-based capital ratio | 18.2928% | 1,721 |
| Total risk-based capital ratio | 19.4266% | 1,699 |
| Memoranda: | ||
| Average total assets | $59,246,750 | 4,830 |
| Average earning assets | $58,375,250 | 4,753 |
| Average equity | $7,284,500 | 4,754 |
| Average total loans | $45,317,750 | 4,471 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9308% | 3,992 |
| Cost of funding earning assets | 0.6717% | 1,801 |
| Net interest margin | 3.2591% | 4,363 |
| Noninterest income to average assets | 0.1688% | 4,980 |
| Noninterest expense to average assets | 1.8703% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0938% | 2,608 |
| Return on assets (ROA) | 1.0938% | 2,616 |
| Pretax return on assets | 1.5090% | 1,784 |
| Return on Equity (ROE) | 8.9892% | 3,024 |
| Retained earnings to average equity (ytd only) | 8.9892% | 1,224 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3447% | 4,551 |
| Assets per employee ($millions) | 9.8000% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.5068% | 1,713 |
| Net loans and leases to deposits | 86.5981% | 2,259 |
| Net loans and leases to core deposits | 92.7509% | 2,330 |
| Total domestic deposits to total assets | 87.1922% | 1,760 |
| Equity capital to assets | 12.5221% | 1,524 |
| Core capital (leverage) ratio | 12.2452% | 1,575 |
| Tier 1 risk-based capital ratio | 17.8592% | 1,841 |
| Total risk-based capital ratio | 18.9923% | 1,832 |
| Memoranda: | ||
| Average total assets | $59,243,330 | 4,883 |
| Average earning assets | $58,359,330 | 4,809 |
| Average equity | $7,208,670 | 4,820 |
| Average total loans | $45,463,670 | 4,507 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 4,114 |
| Cost of funding earning assets | 0.6419% | 1,768 |
| Net interest margin | 3.1960% | 4,473 |
| Noninterest income to average assets | 0.1816% | 4,939 |
| Noninterest expense to average assets | 1.9305% | 4,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0023% | 2,850 |
| Return on assets (ROA) | 1.0023% | 2,869 |
| Pretax return on assets | 1.3991% | 2,008 |
| Return on Equity (ROE) | 8.3573% | 3,212 |
| Retained earnings to average equity (ytd only) | 8.3573% | 1,704 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9798% | 4,343 |
| Assets per employee ($millions) | 10.0075% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 74.1894% | 1,826 |
| Net loans and leases to deposits | 84.5246% | 2,338 |
| Net loans and leases to core deposits | 89.4303% | 2,497 |
| Total domestic deposits to total assets | 87.7725% | 1,744 |
| Equity capital to assets | 11.9744% | 1,811 |
| Core capital (leverage) ratio | 12.2833% | 1,484 |
| Tier 1 risk-based capital ratio | 17.3374% | 2,020 |
| Total risk-based capital ratio | 18.4616% | 2,007 |
| Memoranda: | ||
| Average total assets | $59,465,000 | 4,941 |
| Average earning assets | $58,572,500 | 4,858 |
| Average equity | $7,131,500 | 4,877 |
| Average total loans | $45,763,000 | 4,547 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 3,689 |
| Cost of funding earning assets | 0.6395% | 1,358 |
| Net interest margin | 3.2707% | 4,249 |
| Noninterest income to average assets | 0.1575% | 5,174 |
| Noninterest expense to average assets | 1.8664% | 5,164 |
| Loan and lease loss provision to assets | 0.1284% | 1,783 |
| Net operating income to assets | 0.7962% | 3,176 |
| Return on assets (ROA) | 0.7962% | 3,218 |
| Pretax return on assets | 1.3853% | 2,039 |
| Return on Equity (ROE) | 6.7623% | 3,406 |
| Retained earnings to average equity (ytd only) | 6.7623% | 1,171 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2178% | 4,841 |
| Assets per employee ($millions) | 9.8142% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 3,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 78.1948% | 1,263 |
| Net loans and leases to deposits | 88.9896% | 1,896 |
| Net loans and leases to core deposits | 94.2444% | 2,171 |
| Total domestic deposits to total assets | 87.8696% | 1,570 |
| Equity capital to assets | 12.0115% | 1,830 |
| Core capital (leverage) ratio | 12.1938% | 1,500 |
| Tier 1 risk-based capital ratio | 16.6985% | 2,201 |
| Total risk-based capital ratio | 17.8182% | 2,182 |
| Memoranda: | ||
| Average total assets | $58,400,400 | 4,997 |
| Average earning assets | $57,541,600 | 4,919 |
| Average equity | $6,876,400 | 4,958 |
| Average total loans | $46,153,800 | 4,562 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8973% | 3,687 |
| Cost of funding earning assets | 0.6337% | 1,341 |
| Net interest margin | 3.2636% | 4,282 |
| Noninterest income to average assets | 0.1579% | 5,226 |
| Noninterest expense to average assets | 1.7845% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9792% | 2,647 |
| Return on assets (ROA) | 0.9792% | 2,703 |
| Pretax return on assets | 1.5900% | 1,459 |
| Return on Equity (ROE) | 8.3584% | 2,950 |
| Retained earnings to average equity (ytd only) | 8.3584% | 1,071 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8814% | 5,031 |
| Assets per employee ($millions) | 9.7613% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 4,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 78.7751% | 1,152 |
| Net loans and leases to deposits | 90.7958% | 1,718 |
| Net loans and leases to core deposits | 96.2471% | 2,043 |
| Total domestic deposits to total assets | 86.7607% | 1,970 |
| Equity capital to assets | 12.0407% | 1,940 |
| Core capital (leverage) ratio | 12.1666% | 1,587 |
| Tier 1 risk-based capital ratio | 16.5945% | 2,290 |
| Total risk-based capital ratio | 17.5411% | 2,337 |
| Memoranda: | ||
| Average total assets | $58,279,250 | 5,057 |
| Average earning assets | $57,440,250 | 4,975 |
| Average equity | $6,827,250 | 5,026 |
| Average total loans | $46,064,250 | 4,609 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 3,631 |
| Cost of funding earning assets | 0.6279% | 1,286 |
| Net interest margin | 3.2510% | 4,264 |
| Noninterest income to average assets | 0.1512% | 5,304 |
| Noninterest expense to average assets | 1.8047% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9556% | 2,630 |
| Return on assets (ROA) | 0.9556% | 2,689 |
| Pretax return on assets | 1.5503% | 1,494 |
| Return on Equity (ROE) | 8.2342% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.2342% | 1,076 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7910% | 5,034 |
| Assets per employee ($millions) | 9.6877% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 4,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 79.1918% | 1,069 |
| Net loans and leases to deposits | 91.9333% | 1,502 |
| Net loans and leases to core deposits | 98.2854% | 1,781 |
| Total domestic deposits to total assets | 86.1405% | 2,318 |
| Equity capital to assets | 11.8604% | 2,033 |
| Core capital (leverage) ratio | 11.8245% | 1,749 |
| Tier 1 risk-based capital ratio | 16.3440% | 2,376 |
| Total risk-based capital ratio | 17.2871% | 2,426 |
| Memoranda: | ||
| Average total assets | $58,183,000 | 5,097 |
| Average earning assets | $57,335,330 | 5,011 |
| Average equity | $6,752,330 | 5,066 |
| Average total loans | $45,909,330 | 4,640 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 3,607 |
| Cost of funding earning assets | 0.6278% | 1,206 |
| Net interest margin | 3.2155% | 4,290 |
| Noninterest income to average assets | 0.1512% | 5,355 |
| Noninterest expense to average assets | 1.8965% | 5,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8796% | 2,862 |
| Return on assets (ROA) | 0.8796% | 2,914 |
| Pretax return on assets | 1.4224% | 1,804 |
| Return on Equity (ROE) | 7.6629% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.6629% | 1,588 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 4,822 |
| Assets per employee ($millions) | 9.7487% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 4,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 77.2379% | 1,241 |
| Net loans and leases to deposits | 87.6171% | 1,850 |
| Net loans and leases to core deposits | 93.4666% | 2,025 |
| Total domestic deposits to total assets | 88.1539% | 1,619 |
| Equity capital to assets | 11.5264% | 2,164 |
| Core capital (leverage) ratio | 11.4798% | 1,967 |
| Tier 1 risk-based capital ratio | 16.2991% | 2,434 |
| Total risk-based capital ratio | 17.2654% | 2,499 |
| Memoranda: | ||
| Average total assets | $58,211,500 | 5,150 |
| Average earning assets | $57,347,500 | 5,063 |
| Average equity | $6,681,500 | 5,125 |
| Average total loans | $45,652,500 | 4,686 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 3,698 |
| Cost of funding earning assets | 0.6198% | 1,213 |
| Net interest margin | 3.2451% | 4,311 |
| Noninterest income to average assets | 0.1719% | 5,358 |
| Noninterest expense to average assets | 1.9451% | 5,295 |
| Loan and lease loss provision to assets | 0.1303% | 1,913 |
| Net operating income to assets | 0.8163% | 3,229 |
| Return on assets (ROA) | 0.8163% | 3,337 |
| Pretax return on assets | 1.2973% | 2,294 |
| Return on Equity (ROE) | 7.3382% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.3382% | 1,098 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6725% | 4,893 |
| Assets per employee ($millions) | 9.6552% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.2707% | 1,163 |
| Net loans and leases to deposits | 89.8878% | 1,695 |
| Net loans and leases to core deposits | 96.0148% | 1,924 |
| Total domestic deposits to total assets | 87.0760% | 2,101 |
| Equity capital to assets | 11.4291% | 2,225 |
| Core capital (leverage) ratio | 11.3196% | 2,067 |
| Tier 1 risk-based capital ratio | 15.9111% | 2,586 |
| Total risk-based capital ratio | 16.8870% | 2,620 |
| Memoranda: | ||
| Average total assets | $57,579,600 | 5,198 |
| Average earning assets | $56,793,200 | 5,111 |
| Average equity | $6,404,800 | 5,208 |
| Average total loans | $44,074,400 | 4,748 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 3,807 |
| Cost of funding earning assets | 0.6134% | 1,246 |
| Net interest margin | 3.2243% | 4,415 |
| Noninterest income to average assets | 0.1809% | 5,375 |
| Noninterest expense to average assets | 1.7811% | 5,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9787% | 2,522 |
| Return on assets (ROA) | 0.9787% | 2,655 |
| Pretax return on assets | 1.5816% | 1,430 |
| Return on Equity (ROE) | 8.8596% | 2,576 |
| Retained earnings to average equity (ytd only) | 8.8596% | 862 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9655% | 5,314 |
| Assets per employee ($millions) | 9.6863% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7034% | 5,424 |
| Loan loss allowance to noncurrent loans | 46.1426% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.1821% | 1,692 |
| Noncurrent loans to loans | 1.5245% | 1,422 |
| Net loans and leases to total assets | 76.9934% | 1,365 |
| Net loans and leases to deposits | 88.3752% | 1,967 |
| Net loans and leases to core deposits | 94.3572% | 2,160 |
| Total domestic deposits to total assets | 87.1210% | 1,843 |
| Equity capital to assets | 11.3097% | 2,691 |
| Core capital (leverage) ratio | 11.1216% | 2,341 |
| Tier 1 risk-based capital ratio | 15.9062% | 2,668 |
| Total risk-based capital ratio | 16.6808% | 2,791 |
| Memoranda: | ||
| Average total assets | $57,491,750 | 5,246 |
| Average earning assets | $56,735,250 | 5,156 |
| Average equity | $6,350,750 | 5,274 |
| Average total loans | $43,659,250 | 4,795 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8050% | 3,939 |
| Cost of funding earning assets | 0.5987% | 1,320 |
| Net interest margin | 3.2063% | 4,522 |
| Noninterest income to average assets | 0.1431% | 5,594 |
| Noninterest expense to average assets | 1.8330% | 5,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9078% | 2,823 |
| Return on assets (ROA) | 0.9078% | 2,956 |
| Pretax return on assets | 1.4699% | 1,774 |
| Return on Equity (ROE) | 8.2846% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.2846% | 1,078 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4968% | 5,197 |
| Assets per employee ($millions) | 9.7590% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7091% | 5,499 |
| Loan loss allowance to noncurrent loans | 42.7800% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.2655% | 1,614 |
| Noncurrent loans to loans | 1.6575% | 1,281 |
| Net loans and leases to total assets | 75.8087% | 1,521 |
| Net loans and leases to deposits | 87.0577% | 2,125 |
| Net loans and leases to core deposits | 92.8912% | 2,271 |
| Total domestic deposits to total assets | 87.0786% | 1,878 |
| Equity capital to assets | 10.9574% | 3,107 |
| Core capital (leverage) ratio | 11.0750% | 2,358 |
| Tier 1 risk-based capital ratio | 15.5313% | 2,848 |
| Total risk-based capital ratio | 16.3116% | 2,991 |
| Memoranda: | ||
| Average total assets | $57,283,000 | 5,308 |
| Average earning assets | $56,451,330 | 5,211 |
| Average equity | $6,276,670 | 5,332 |
| Average total loans | $43,191,000 | 4,858 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 4,018 |
| Cost of funding earning assets | 0.5953% | 1,357 |
| Net interest margin | 3.1844% | 4,629 |
| Noninterest income to average assets | 0.1553% | 5,564 |
| Noninterest expense to average assets | 1.8924% | 5,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8615% | 2,939 |
| Return on assets (ROA) | 0.8615% | 3,051 |
| Pretax return on assets | 1.3981% | 1,912 |
| Return on Equity (ROE) | 7.8621% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.8621% | 1,519 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5107% | 5,054 |
| Assets per employee ($millions) | 9.4447% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 5,507 |
| Loan loss allowance to noncurrent loans | 39.6746% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.4100% | 1,470 |
| Noncurrent loans to loans | 1.8733% | 1,180 |
| Net loans and leases to total assets | 74.7071% | 1,613 |
| Net loans and leases to deposits | 86.0433% | 2,058 |
| Net loans and leases to core deposits | 92.0166% | 2,180 |
| Total domestic deposits to total assets | 86.8250% | 2,284 |
| Equity capital to assets | 11.0680% | 2,866 |
| Core capital (leverage) ratio | 11.1461% | 2,266 |
| Tier 1 risk-based capital ratio | 15.8923% | 2,738 |
| Total risk-based capital ratio | 16.7009% | 2,882 |
| Memoranda: | ||
| Average total assets | $56,647,500 | 5,376 |
| Average earning assets | $55,772,000 | 5,275 |
| Average equity | $6,207,000 | 5,383 |
| Average total loans | $42,433,500 | 4,920 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 4,442 |
| Cost of funding earning assets | 0.6098% | 1,315 |
| Net interest margin | 3.0656% | 4,991 |
| Noninterest income to average assets | 0.1777% | 5,520 |
| Noninterest expense to average assets | 1.9434% | 5,553 |
| Loan and lease loss provision to assets | 0.0906% | 2,490 |
| Net operating income to assets | 0.7269% | 3,685 |
| Return on assets (ROA) | 0.7269% | 3,782 |
| Pretax return on assets | 1.1602% | 2,811 |
| Return on Equity (ROE) | 6.7293% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.7293% | 1,416 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8400% | 4,779 |
| Assets per employee ($millions) | 9.4378% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7509% | 5,535 |
| Loan loss allowance to noncurrent loans | 34.9504% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 1.6017% | 1,235 |
| Noncurrent loans to loans | 2.1485% | 941 |
| Net loans and leases to total assets | 73.9894% | 1,731 |
| Net loans and leases to deposits | 84.8791% | 2,255 |
| Net loans and leases to core deposits | 90.7335% | 2,344 |
| Total domestic deposits to total assets | 87.1704% | 2,042 |
| Equity capital to assets | 10.8464% | 2,983 |
| Core capital (leverage) ratio | 11.0018% | 2,403 |
| Tier 1 risk-based capital ratio | 15.8170% | 2,776 |
| Total risk-based capital ratio | 16.6401% | 2,927 |
| Memoranda: | ||
| Average total assets | $55,162,200 | 5,429 |
| Average earning assets | $54,280,600 | 5,334 |
| Average equity | $5,959,000 | 5,443 |
| Average total loans | $39,200,400 | 5,046 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 4,432 |
| Cost of funding earning assets | 0.6034% | 1,386 |
| Net interest margin | 3.0934% | 4,981 |
| Noninterest income to average assets | 0.1703% | 5,627 |
| Noninterest expense to average assets | 1.8152% | 5,756 |
| Loan and lease loss provision to assets | 0.1217% | 1,869 |
| Net operating income to assets | 0.7957% | 3,447 |
| Return on assets (ROA) | 0.7957% | 3,542 |
| Pretax return on assets | 1.2774% | 2,485 |
| Return on Equity (ROE) | 7.3731% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.3731% | 1,511 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4724% | 5,289 |
| Assets per employee ($millions) | 9.1905% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 5,546 |
| Loan loss allowance to noncurrent loans | 132.0833% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 4,038 |
| Noncurrent loans to loans | 0.5975% | 3,533 |
| Net loans and leases to total assets | 72.2667% | 2,017 |
| Net loans and leases to deposits | 85.1405% | 2,261 |
| Net loans and leases to core deposits | 89.8919% | 2,477 |
| Total domestic deposits to total assets | 84.8793% | 3,064 |
| Equity capital to assets | 11.0368% | 2,982 |
| Core capital (leverage) ratio | 11.0680% | 2,414 |
| Tier 1 risk-based capital ratio | 16.3105% | 2,669 |
| Total risk-based capital ratio | 17.1804% | 2,774 |
| Memoranda: | ||
| Average total assets | $54,796,000 | 5,510 |
| Average earning assets | $53,919,750 | 5,410 |
| Average equity | $5,913,250 | 5,520 |
| Average total loans | $38,446,750 | 5,123 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6670% | 4,521 |
| Cost of funding earning assets | 0.6025% | 1,396 |
| Net interest margin | 3.0645% | 5,060 |
| Noninterest income to average assets | 0.1609% | 5,742 |
| Noninterest expense to average assets | 1.8581% | 5,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8156% | 3,305 |
| Return on assets (ROA) | 0.8156% | 3,410 |
| Pretax return on assets | 1.3167% | 2,303 |
| Return on Equity (ROE) | 7.6165% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.6165% | 1,420 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5253% | 5,164 |
| Assets per employee ($millions) | 9.2187% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 5,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 69.7787% | 2,350 |
| Net loans and leases to deposits | 80.1995% | 2,761 |
| Net loans and leases to core deposits | 84.5384% | 2,927 |
| Total domestic deposits to total assets | 87.0064% | 2,166 |
| Equity capital to assets | 10.7969% | 3,109 |
| Core capital (leverage) ratio | 10.9550% | 2,476 |
| Tier 1 risk-based capital ratio | 16.6092% | 2,561 |
| Total risk-based capital ratio | 17.3686% | 2,751 |
| Memoranda: | ||
| Average total assets | $54,680,330 | 5,569 |
| Average earning assets | $53,777,330 | 5,468 |
| Average equity | $5,855,670 | 5,585 |
| Average total loans | $37,873,330 | 5,190 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 4,388 |
| Cost of funding earning assets | 0.6068% | 1,385 |
| Net interest margin | 3.0862% | 4,991 |
| Noninterest income to average assets | 0.1619% | 5,767 |
| Noninterest expense to average assets | 1.9719% | 5,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7578% | 3,496 |
| Return on assets (ROA) | 0.7578% | 3,630 |
| Pretax return on assets | 1.2214% | 2,582 |
| Return on Equity (ROE) | 7.1065% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.1065% | 1,970 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7512% | 4,834 |
| Assets per employee ($millions) | 9.0038% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 5,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 68.8522% | 2,311 |
| Net loans and leases to deposits | 77.4997% | 2,876 |
| Net loans and leases to core deposits | 82.2229% | 2,941 |
| Total domestic deposits to total assets | 88.8418% | 1,370 |
| Equity capital to assets | 10.8435% | 3,147 |
| Core capital (leverage) ratio | 10.8363% | 2,587 |
| Tier 1 risk-based capital ratio | 16.9450% | 2,496 |
| Total risk-based capital ratio | 17.7395% | 2,628 |
| Memoranda: | ||
| Average total assets | $54,364,500 | 5,631 |
| Average earning assets | $53,399,000 | 5,529 |
| Average equity | $5,797,500 | 5,658 |
| Average total loans | $37,378,500 | 5,232 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 5,217 |
| Cost of funding earning assets | 0.6872% | 1,167 |
| Net interest margin | 2.8569% | 5,721 |
| Noninterest income to average assets | 0.2383% | 5,426 |
| Noninterest expense to average assets | 1.8976% | 5,945 |
| Loan and lease loss provision to assets | 0.0917% | 2,632 |
| Net operating income to assets | 0.6545% | 4,113 |
| Return on assets (ROA) | 0.6545% | 4,221 |
| Pretax return on assets | 1.0542% | 3,281 |
| Return on Equity (ROE) | 6.4213% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.4213% | 1,698 |
| Net charge-offs to loans | 0.1510% | 2,526 |
| Credit loss provision to net charge-offs | 92.5926% | 2,588 |
| Earnings coverage of net charge-offs (x) | 11.5741% | 2,475 |
| Efficiency ratio | 62.3494% | 4,856 |
| Assets per employee ($millions) | 9.1177% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 5,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.6836% | 2,608 |
| Net loans and leases to deposits | 75.7260% | 3,227 |
| Net loans and leases to core deposits | 80.2440% | 3,273 |
| Total domestic deposits to total assets | 89.3796% | 1,031 |
| Equity capital to assets | 10.4870% | 3,500 |
| Core capital (leverage) ratio | 10.6429% | 2,784 |
| Tier 1 risk-based capital ratio | 16.6817% | 2,646 |
| Total risk-based capital ratio | 17.4740% | 2,789 |
| Memoranda: | ||
| Average total assets | $54,544,000 | 5,688 |
| Average earning assets | $53,554,200 | 5,577 |
| Average equity | $5,559,600 | 5,727 |
| Average total loans | $35,768,200 | 5,339 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 5,374 |
| Cost of funding earning assets | 0.6926% | 1,182 |
| Net interest margin | 2.8176% | 5,849 |
| Noninterest income to average assets | 0.2471% | 5,442 |
| Noninterest expense to average assets | 1.7613% | 6,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7657% | 3,591 |
| Return on assets (ROA) | 0.7657% | 3,689 |
| Pretax return on assets | 1.2525% | 2,563 |
| Return on Equity (ROE) | 7.5667% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.5667% | 1,550 |
| Net charge-offs to loans | 0.2035% | 1,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.4813% | 2,665 |
| Efficiency ratio | 58.4416% | 5,385 |
| Assets per employee ($millions) | 8.9085% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 6,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 66.5189% | 2,769 |
| Net loans and leases to deposits | 74.8054% | 3,326 |
| Net loans and leases to core deposits | 79.4135% | 3,386 |
| Total domestic deposits to total assets | 88.9226% | 1,283 |
| Equity capital to assets | 10.6434% | 3,376 |
| Core capital (leverage) ratio | 10.6544% | 2,856 |
| Tier 1 risk-based capital ratio | 17.3041% | 2,474 |
| Total risk-based capital ratio | 17.9896% | 2,662 |
| Memoranda: | ||
| Average total assets | $54,503,500 | 5,747 |
| Average earning assets | $53,518,500 | 5,649 |
| Average equity | $5,515,250 | 5,795 |
| Average total loans | $35,386,750 | 5,401 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4759% | 5,459 |
| Cost of funding earning assets | 0.6952% | 1,213 |
| Net interest margin | 2.7807% | 5,942 |
| Noninterest income to average assets | 0.2370% | 5,502 |
| Noninterest expense to average assets | 1.7793% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7256% | 3,691 |
| Return on assets (ROA) | 0.7256% | 3,794 |
| Pretax return on assets | 1.1850% | 2,738 |
| Return on Equity (ROE) | 7.2929% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.2929% | 1,618 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0246% | 5,293 |
| Assets per employee ($millions) | 9.6510% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7758% | 6,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9636% | 3,130 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 59.8591% | 3,746 |
| Net loans and leases to deposits | 66.5055% | 4,221 |
| Net loans and leases to core deposits | 70.5731% | 4,209 |
| Total domestic deposits to total assets | 90.0062% | 809 |
| Equity capital to assets | 9.6242% | 4,592 |
| Core capital (leverage) ratio | 10.5220% | 2,919 |
| Tier 1 risk-based capital ratio | 16.6513% | 2,762 |
| Total risk-based capital ratio | 17.5032% | 2,902 |
| Memoranda: | ||
| Average total assets | $54,854,330 | 5,792 |
| Average earning assets | $53,799,000 | 5,692 |
| Average equity | $5,457,330 | 5,846 |
| Average total loans | $35,258,330 | 5,450 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5463% | 5,310 |
| Cost of funding earning assets | 0.7169% | 1,139 |
| Net interest margin | 2.8294% | 5,878 |
| Noninterest income to average assets | 0.1725% | 5,937 |
| Noninterest expense to average assets | 1.9277% | 6,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6451% | 3,974 |
| Return on assets (ROA) | 0.6451% | 4,066 |
| Pretax return on assets | 1.0276% | 3,220 |
| Return on Equity (ROE) | 6.3710% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.3710% | 2,345 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2284% | 4,652 |
| Assets per employee ($millions) | 8.9543% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7595% | 6,176 |
| Loan loss allowance to noncurrent loans | 49.3625% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 3,212 |
| Noncurrent loans to loans | 1.5385% | 2,503 |
| Net loans and leases to total assets | 65.9122% | 2,578 |
| Net loans and leases to deposits | 73.6109% | 3,114 |
| Net loans and leases to core deposits | 78.5049% | 3,148 |
| Total domestic deposits to total assets | 89.5414% | 1,349 |
| Equity capital to assets | 10.1627% | 3,648 |
| Core capital (leverage) ratio | 10.4545% | 2,985 |
| Tier 1 risk-based capital ratio | 16.8591% | 2,753 |
| Total risk-based capital ratio | 17.7394% | 2,874 |
| Memoranda: | ||
| Average total assets | $53,328,500 | 5,875 |
| Average earning assets | $52,448,500 | 5,776 |
| Average equity | $5,399,500 | 5,897 |
| Average total loans | $35,421,000 | 5,489 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 5,634 |
| Cost of funding earning assets | 0.7688% | 1,387 |
| Net interest margin | 2.7347% | 6,095 |
| Noninterest income to average assets | 0.2275% | 5,714 |
| Noninterest expense to average assets | 1.8143% | 6,299 |
| Loan and lease loss provision to assets | 0.0964% | 3,192 |
| Net operating income to assets | 0.6286% | 4,118 |
| Return on assets (ROA) | 0.6286% | 4,232 |
| Pretax return on assets | 1.0122% | 3,303 |
| Return on Equity (ROE) | 6.2620% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.2620% | 1,814 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0712% | 5,199 |
| Assets per employee ($millions) | 8.8218% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 6,230 |
| Loan loss allowance to noncurrent loans | 49.7248% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 3,368 |
| Noncurrent loans to loans | 1.5501% | 2,569 |
| Net loans and leases to total assets | 65.9122% | 2,703 |
| Net loans and leases to deposits | 73.4144% | 3,343 |
| Net loans and leases to core deposits | 78.3525% | 3,316 |
| Total domestic deposits to total assets | 89.7810% | 1,193 |
| Equity capital to assets | 10.0867% | 3,652 |
| Core capital (leverage) ratio | 10.5674% | 2,829 |
| Tier 1 risk-based capital ratio | 16.7698% | 2,732 |
| Total risk-based capital ratio | 17.6438% | 2,861 |
| Memoranda: | ||
| Average total assets | $51,865,200 | 5,969 |
| Average earning assets | $51,121,400 | 5,860 |
| Average equity | $5,206,000 | 6,020 |
| Average total loans | $32,658,800 | 5,640 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5059% | 5,677 |
| Cost of funding earning assets | 0.7703% | 1,481 |
| Net interest margin | 2.7355% | 6,111 |
| Noninterest income to average assets | 0.2300% | 5,787 |
| Noninterest expense to average assets | 1.7700% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7080% | 3,812 |
| Return on assets (ROA) | 0.7080% | 3,951 |
| Pretax return on assets | 1.1576% | 2,857 |
| Return on Equity (ROE) | 7.0624% | 3,611 |
| Retained earnings to average equity (ytd only) | 7.0624% | 1,844 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4590% | 5,365 |
| Assets per employee ($millions) | 8.4975% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 6,466 |
| Loan loss allowance to noncurrent loans | 41.6196% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 3,568 |
| Noncurrent loans to loans | 1.6343% | 2,720 |
| Net loans and leases to total assets | 63.2931% | 3,112 |
| Net loans and leases to deposits | 70.8888% | 3,654 |
| Net loans and leases to core deposits | 75.3426% | 3,694 |
| Total domestic deposits to total assets | 89.2851% | 1,416 |
| Equity capital to assets | 10.3717% | 3,427 |
| Core capital (leverage) ratio | 10.4193% | 3,095 |
| Tier 1 risk-based capital ratio | 17.9950% | 2,327 |
| Total risk-based capital ratio | 18.7428% | 2,478 |
| Memoranda: | ||
| Average total assets | $51,598,750 | 6,046 |
| Average earning assets | $50,884,750 | 5,933 |
| Average equity | $5,172,750 | 6,098 |
| Average total loans | $32,033,750 | 5,717 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4939% | 5,710 |
| Cost of funding earning assets | 0.7638% | 1,627 |
| Net interest margin | 2.7301% | 6,130 |
| Noninterest income to average assets | 0.2278% | 5,816 |
| Noninterest expense to average assets | 1.7798% | 6,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6949% | 3,826 |
| Return on assets (ROA) | 0.6949% | 3,999 |
| Pretax return on assets | 1.1389% | 2,929 |
| Return on Equity (ROE) | 7.0116% | 3,593 |
| Retained earnings to average equity (ytd only) | 7.0116% | 1,891 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9788% | 5,335 |
| Assets per employee ($millions) | 8.7652% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6891% | 6,507 |
| Loan loss allowance to noncurrent loans | 42.8295% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 3,801 |
| Noncurrent loans to loans | 1.6089% | 2,894 |
| Net loans and leases to total assets | 60.5636% | 3,571 |
| Net loans and leases to deposits | 67.3739% | 4,092 |
| Net loans and leases to core deposits | 71.4324% | 4,118 |
| Total domestic deposits to total assets | 89.8918% | 1,086 |
| Equity capital to assets | 9.8534% | 4,120 |
| Core capital (leverage) ratio | 10.0095% | 3,498 |
| Tier 1 risk-based capital ratio | 17.6788% | 2,445 |
| Total risk-based capital ratio | 18.4298% | 2,621 |
| Memoranda: | ||
| Average total assets | $51,803,330 | 6,075 |
| Average earning assets | $51,060,000 | 5,968 |
| Average equity | $5,134,330 | 6,149 |
| Average total loans | $31,881,330 | 5,760 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 5,504 |
| Cost of funding earning assets | 0.7663% | 1,737 |
| Net interest margin | 2.8125% | 6,003 |
| Noninterest income to average assets | 0.2568% | 5,620 |
| Noninterest expense to average assets | 1.8362% | 6,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7236% | 3,574 |
| Return on assets (ROA) | 0.7236% | 3,709 |
| Pretax return on assets | 1.1904% | 2,612 |
| Return on Equity (ROE) | 7.2791% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.2791% | 2,035 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6684% | 5,493 |
| Assets per employee ($millions) | 8.6863% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 6,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 60.1692% | 3,399 |
| Net loans and leases to deposits | 66.9978% | 3,916 |
| Net loans and leases to core deposits | 71.0702% | 3,947 |
| Total domestic deposits to total assets | 89.8077% | 1,157 |
| Equity capital to assets | 9.8968% | 4,283 |
| Core capital (leverage) ratio | 10.2465% | 3,082 |
| Tier 1 risk-based capital ratio | 17.6801% | 2,493 |
| Total risk-based capital ratio | 18.4381% | 2,651 |
| Memoranda: | ||
| Average total assets | $51,409,500 | 6,146 |
| Average earning assets | $50,632,000 | 6,024 |
| Average equity | $5,110,500 | 6,215 |
| Average total loans | $31,786,000 | 5,803 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5163% | 6,343 |
| Cost of funding earning assets | 0.8892% | 1,997 |
| Net interest margin | 2.6271% | 6,607 |
| Noninterest income to average assets | 0.4016% | 4,597 |
| Noninterest expense to average assets | 1.9046% | 6,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6660% | 3,907 |
| Return on assets (ROA) | 0.6660% | 4,173 |
| Pretax return on assets | 1.0815% | 3,223 |
| Return on Equity (ROE) | 6.8236% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.8236% | 1,657 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7816% | 4,929 |
| Assets per employee ($millions) | 8.4502% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 6,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.6635% | 3,133 |
| Net loans and leases to deposits | 69.7298% | 3,744 |
| Net loans and leases to core deposits | 74.0825% | 3,773 |
| Total domestic deposits to total assets | 89.8661% | 1,030 |
| Equity capital to assets | 9.9860% | 4,185 |
| Core capital (leverage) ratio | 10.2232% | 3,106 |
| Tier 1 risk-based capital ratio | 17.2471% | 2,540 |
| Total risk-based capital ratio | 18.0010% | 2,740 |
| Memoranda: | ||
| Average total assets | $50,298,400 | 6,205 |
| Average earning assets | $49,484,400 | 6,071 |
| Average equity | $4,909,400 | 6,322 |
| Average total loans | $28,590,600 | 6,016 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 6,501 |
| Cost of funding earning assets | 0.9154% | 2,069 |
| Net interest margin | 2.5976% | 6,758 |
| Noninterest income to average assets | 0.3772% | 4,807 |
| Noninterest expense to average assets | 1.7185% | 6,771 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7384% | 3,740 |
| Return on assets (ROA) | 0.7384% | 3,994 |
| Pretax return on assets | 1.2138% | 2,941 |
| Return on Equity (ROE) | 7.6095% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.6095% | 1,792 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6051% | 5,709 |
| Assets per employee ($millions) | 8.2100% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7928% | 6,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 56.1429% | 4,428 |
| Net loans and leases to deposits | 62.8503% | 4,867 |
| Net loans and leases to core deposits | 66.4313% | 4,909 |
| Total domestic deposits to total assets | 89.3281% | 1,225 |
| Equity capital to assets | 10.2314% | 4,160 |
| Core capital (leverage) ratio | 10.1129% | 3,391 |
| Tier 1 risk-based capital ratio | 19.2974% | 1,924 |
| Total risk-based capital ratio | 20.1506% | 2,004 |
| Memoranda: | ||
| Average total assets | $50,197,750 | 6,277 |
| Average earning assets | $49,378,250 | 6,144 |
| Average equity | $4,871,000 | 6,403 |
| Average total loans | $27,740,250 | 6,125 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5138% | 6,591 |
| Cost of funding earning assets | 0.9429% | 2,099 |
| Net interest margin | 2.5709% | 6,843 |
| Noninterest income to average assets | 0.3880% | 4,740 |
| Noninterest expense to average assets | 1.7343% | 6,813 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7167% | 3,776 |
| Return on assets (ROA) | 0.7167% | 4,046 |
| Pretax return on assets | 1.1800% | 3,016 |
| Return on Equity (ROE) | 7.5187% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.5187% | 1,857 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5109% | 5,657 |
| Assets per employee ($millions) | 8.3938% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 6,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.2747% | 4,580 |
| Net loans and leases to deposits | 61.4458% | 5,077 |
| Net loans and leases to core deposits | 64.8330% | 5,119 |
| Total domestic deposits to total assets | 89.9569% | 947 |
| Equity capital to assets | 9.7413% | 4,706 |
| Core capital (leverage) ratio | 9.9033% | 3,567 |
| Tier 1 risk-based capital ratio | 18.7550% | 2,047 |
| Total risk-based capital ratio | 19.6016% | 2,145 |
| Memoranda: | ||
| Average total assets | $50,510,330 | 6,310 |
| Average earning assets | $49,633,000 | 6,169 |
| Average equity | $4,814,670 | 6,444 |
| Average total loans | $27,694,670 | 6,168 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 6,606 |
| Cost of funding earning assets | 0.9502% | 2,307 |
| Net interest margin | 2.6252% | 6,860 |
| Noninterest income to average assets | 0.3796% | 4,826 |
| Noninterest expense to average assets | 1.8267% | 6,766 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6801% | 3,978 |
| Return on assets (ROA) | 0.6801% | 4,196 |
| Pretax return on assets | 1.1308% | 3,196 |
| Return on Equity (ROE) | 7.2133% | 3,650 |
| Retained earnings to average equity (ytd only) | 7.2133% | 2,319 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7647% | 5,313 |
| Assets per employee ($millions) | 8.4445% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 6,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 54.1950% | 4,686 |
| Net loans and leases to deposits | 60.0985% | 5,133 |
| Net loans and leases to core deposits | 63.3747% | 5,185 |
| Total domestic deposits to total assets | 90.1770% | 990 |
| Equity capital to assets | 9.4914% | 4,818 |
| Core capital (leverage) ratio | 9.6836% | 3,790 |
| Tier 1 risk-based capital ratio | 18.5043% | 2,148 |
| Total risk-based capital ratio | 19.3553% | 2,219 |
| Memoranda: | ||
| Average total assets | $50,584,000 | 6,353 |
| Average earning assets | $49,672,000 | 6,209 |
| Average equity | $4,769,000 | 6,489 |
| Average total loans | $27,512,500 | 6,216 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 6,678 |
| Cost of funding earning assets | 1.1412% | 2,405 |
| Net interest margin | 2.7026% | 6,919 |
| Noninterest income to average assets | 0.2963% | 5,407 |
| Noninterest expense to average assets | 1.7463% | 7,014 |
| Loan and lease loss provision to assets | 0.0522% | 5,938 |
| Net operating income to assets | 0.7073% | 3,455 |
| Return on assets (ROA) | 0.7073% | 3,638 |
| Pretax return on assets | 1.1412% | 2,691 |
| Return on Equity (ROE) | 7.4469% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.4469% | 1,291 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4038% | 5,844 |
| Assets per employee ($millions) | 10.1002% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 6,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 53.7098% | 5,079 |
| Net loans and leases to deposits | 59.3718% | 5,563 |
| Net loans and leases to core deposits | 61.8874% | 5,664 |
| Total domestic deposits to total assets | 90.4636% | 740 |
| Equity capital to assets | 9.3642% | 5,069 |
| Core capital (leverage) ratio | 9.4313% | 4,142 |
| Tier 1 risk-based capital ratio | 18.4621% | 2,057 |
| Total risk-based capital ratio | 19.3278% | 2,143 |
| Memoranda: | ||
| Average total assets | $47,931,000 | 6,425 |
| Average earning assets | $46,880,000 | 6,302 |
| Average equity | $4,552,200 | 6,576 |
| Average total loans | $27,017,800 | 6,296 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 6,726 |
| Cost of funding earning assets | 1.1913% | 2,374 |
| Net interest margin | 2.7115% | 6,981 |
| Noninterest income to average assets | 0.2932% | 5,513 |
| Noninterest expense to average assets | 1.6973% | 7,100 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7585% | 3,349 |
| Return on assets (ROA) | 0.7585% | 3,511 |
| Pretax return on assets | 1.2462% | 2,464 |
| Return on Equity (ROE) | 7.9561% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.9561% | 1,522 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6628% | 6,065 |
| Assets per employee ($millions) | 10.0546% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7115% | 6,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 54.4030% | 5,110 |
| Net loans and leases to deposits | 60.1999% | 5,608 |
| Net loans and leases to core deposits | 62.7610% | 5,741 |
| Total domestic deposits to total assets | 90.3706% | 690 |
| Equity capital to assets | 9.2694% | 5,428 |
| Core capital (leverage) ratio | 9.6977% | 3,852 |
| Tier 1 risk-based capital ratio | 18.3200% | 2,142 |
| Total risk-based capital ratio | 19.0919% | 2,279 |
| Memoranda: | ||
| Average total assets | $47,288,500 | 6,504 |
| Average earning assets | $46,222,250 | 6,376 |
| Average equity | $4,508,000 | 6,635 |
| Average total loans | $26,936,000 | 6,358 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 6,673 |
| Cost of funding earning assets | 1.2297% | 2,382 |
| Net interest margin | 2.7647% | 6,964 |
| Noninterest income to average assets | 0.2895% | 5,563 |
| Noninterest expense to average assets | 1.7670% | 7,115 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7431% | 3,327 |
| Return on assets (ROA) | 0.7431% | 3,449 |
| Pretax return on assets | 1.2226% | 2,393 |
| Return on Equity (ROE) | 7.7176% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.7176% | 1,571 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1040% | 6,013 |
| Assets per employee ($millions) | 9.3606% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 6,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 56.9087% | 4,829 |
| Net loans and leases to deposits | 63.2675% | 5,368 |
| Net loans and leases to core deposits | 66.1723% | 5,491 |
| Total domestic deposits to total assets | 89.9494% | 1,004 |
| Equity capital to assets | 9.7451% | 4,469 |
| Core capital (leverage) ratio | 9.7271% | 3,629 |
| Tier 1 risk-based capital ratio | 18.7536% | 1,921 |
| Total risk-based capital ratio | 19.5604% | 2,025 |
| Memoranda: | ||
| Average total assets | $46,293,670 | 6,588 |
| Average earning assets | $45,213,330 | 6,464 |
| Average equity | $4,457,330 | 6,693 |
| Average total loans | $26,732,670 | 6,433 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0128% | 6,672 |
| Cost of funding earning assets | 1.2546% | 2,474 |
| Net interest margin | 2.7583% | 6,963 |
| Noninterest income to average assets | 0.2867% | 5,625 |
| Noninterest expense to average assets | 1.8680% | 7,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6690% | 3,666 |
| Return on assets (ROA) | 0.6690% | 3,735 |
| Pretax return on assets | 1.1121% | 2,715 |
| Return on Equity (ROE) | 6.9913% | 3,385 |
| Retained earnings to average equity (ytd only) | 6.9913% | 2,147 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6822% | 5,568 |
| Assets per employee ($millions) | 9.3720% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 7,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 56.2889% | 4,948 |
| Net loans and leases to deposits | 62.4042% | 5,456 |
| Net loans and leases to core deposits | 65.7371% | 5,544 |
| Total domestic deposits to total assets | 90.2006% | 1,026 |
| Equity capital to assets | 9.4793% | 4,467 |
| Core capital (leverage) ratio | 9.6969% | 3,528 |
| Tier 1 risk-based capital ratio | 18.3688% | 1,999 |
| Total risk-based capital ratio | 19.1733% | 2,107 |
| Memoranda: | ||
| Average total assets | $46,039,000 | 6,637 |
| Average earning assets | $44,956,000 | 6,526 |
| Average equity | $4,405,500 | 6,742 |
| Average total loans | $26,683,500 | 6,490 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 6,282 |
| Cost of funding earning assets | 1.4989% | 2,640 |
| Net interest margin | 3.0425% | 6,655 |
| Noninterest income to average assets | 0.2342% | 6,127 |
| Noninterest expense to average assets | 2.0163% | 6,996 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7486% | 3,003 |
| Return on assets (ROA) | 0.7486% | 3,128 |
| Pretax return on assets | 1.1784% | 2,295 |
| Return on Equity (ROE) | 7.3103% | 2,975 |
| Retained earnings to average equity (ytd only) | 7.3103% | 1,202 |
| Net charge-offs to loans | -0.0199% | 7,368 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1141% | 5,494 |
| Assets per employee ($millions) | 9.0436% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 7,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.8217% | 4,888 |
| Net loans and leases to deposits | 65.3369% | 5,478 |
| Net loans and leases to core deposits | 68.9550% | 5,560 |
| Total domestic deposits to total assets | 90.0283% | 1,082 |
| Equity capital to assets | 9.6621% | 4,198 |
| Core capital (leverage) ratio | 10.1266% | 2,952 |
| Tier 1 risk-based capital ratio | 18.3210% | 1,902 |
| Total risk-based capital ratio | 19.1388% | 1,996 |
| Memoranda: | ||
| Average total assets | $41,412,200 | 6,813 |
| Average earning assets | $40,295,600 | 6,702 |
| Average equity | $4,240,600 | 6,904 |
| Average total loans | $25,124,600 | 6,667 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 6,202 |
| Cost of funding earning assets | 1.5490% | 2,685 |
| Net interest margin | 3.0980% | 6,620 |
| Noninterest income to average assets | 0.2537% | 6,084 |
| Noninterest expense to average assets | 1.7927% | 7,332 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9227% | 2,526 |
| Return on assets (ROA) | 0.9227% | 2,663 |
| Pretax return on assets | 1.4730% | 1,675 |
| Return on Equity (ROE) | 8.8706% | 2,532 |
| Retained earnings to average equity (ytd only) | 8.8706% | 1,094 |
| Net charge-offs to loans | -0.0270% | 7,390 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8940% | 6,701 |
| Assets per employee ($millions) | 8.2566% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 7,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 62.1248% | 4,504 |
| Net loans and leases to deposits | 69.9705% | 5,149 |
| Net loans and leases to core deposits | 74.2896% | 5,260 |
| Total domestic deposits to total assets | 88.7872% | 1,518 |
| Equity capital to assets | 10.5903% | 3,418 |
| Core capital (leverage) ratio | 10.5981% | 2,599 |
| Tier 1 risk-based capital ratio | 19.1213% | 1,724 |
| Total risk-based capital ratio | 19.9807% | 1,784 |
| Memoranda: | ||
| Average total assets | $40,460,750 | 6,921 |
| Average earning assets | $39,336,750 | 6,822 |
| Average equity | $4,208,500 | 7,003 |
| Average total loans | $24,707,250 | 6,781 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 6,278 |
| Cost of funding earning assets | 1.6026% | 2,637 |
| Net interest margin | 3.0567% | 6,711 |
| Noninterest income to average assets | 0.1742% | 6,659 |
| Noninterest expense to average assets | 1.7717% | 7,423 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8610% | 2,691 |
| Return on assets (ROA) | 0.8610% | 2,832 |
| Pretax return on assets | 1.3736% | 1,899 |
| Return on Equity (ROE) | 8.3293% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.3293% | 1,320 |
| Net charge-offs to loans | -0.0082% | 7,170 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3291% | 6,601 |
| Assets per employee ($millions) | 8.2264% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 7,153 |
| Loan loss allowance to noncurrent loans | 19,200.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,424 |
| Noncurrent loans to loans | 0.0039% | 7,331 |
| Net loans and leases to total assets | 61.8764% | 4,707 |
| Net loans and leases to deposits | 69.3696% | 5,370 |
| Net loans and leases to core deposits | 73.6302% | 5,484 |
| Total domestic deposits to total assets | 89.1982% | 1,324 |
| Equity capital to assets | 10.3715% | 3,558 |
| Core capital (leverage) ratio | 10.4251% | 2,687 |
| Tier 1 risk-based capital ratio | 18.6304% | 1,797 |
| Total risk-based capital ratio | 19.4711% | 1,865 |
| Memoranda: | ||
| Average total assets | $40,186,670 | 6,992 |
| Average earning assets | $39,061,330 | 6,884 |
| Average equity | $4,154,000 | 7,058 |
| Average total loans | $24,328,670 | 6,838 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 6,427 |
| Cost of funding earning assets | 1.7315% | 2,223 |
| Net interest margin | 2.9135% | 6,998 |
| Noninterest income to average assets | 0.2014% | 6,524 |
| Noninterest expense to average assets | 1.9036% | 7,324 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7050% | 3,420 |
| Return on assets (ROA) | 0.7050% | 3,528 |
| Pretax return on assets | 1.1281% | 2,637 |
| Return on Equity (ROE) | 6.8326% | 3,431 |
| Retained earnings to average equity (ytd only) | 6.8326% | 2,205 |
| Net charge-offs to loans | -0.0169% | 7,027 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7907% | 5,693 |
| Assets per employee ($millions) | 8.0314% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 7,136 |
| Loan loss allowance to noncurrent loans | 19,200.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,503 |
| Noncurrent loans to loans | 0.0041% | 7,413 |
| Net loans and leases to total assets | 59.6011% | 5,188 |
| Net loans and leases to deposits | 66.7410% | 5,741 |
| Net loans and leases to core deposits | 71.5644% | 5,762 |
| Total domestic deposits to total assets | 89.3020% | 1,364 |
| Equity capital to assets | 10.3295% | 3,434 |
| Core capital (leverage) ratio | 10.5209% | 2,604 |
| Tier 1 risk-based capital ratio | 18.6511% | 1,801 |
| Total risk-based capital ratio | 19.5211% | 1,852 |
| Memoranda: | ||
| Average total assets | $39,714,000 | 7,097 |
| Average earning assets | $38,578,500 | 6,997 |
| Average equity | $4,098,000 | 7,146 |
| Average total loans | $23,671,500 | 6,965 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 6,378 |
| Cost of funding earning assets | 2.0353% | 2,795 |
| Net interest margin | 2.9810% | 6,696 |
| Noninterest income to average assets | 0.2501% | 6,318 |
| Noninterest expense to average assets | 2.0300% | 7,319 |
| Loan and lease loss provision to assets | 0.0807% | 6,801 |
| Net operating income to assets | 0.7044% | 2,912 |
| Return on assets (ROA) | 0.7044% | 2,983 |
| Pretax return on assets | 1.0379% | 2,465 |
| Return on Equity (ROE) | 6.6208% | 2,942 |
| Retained earnings to average equity (ytd only) | 6.6208% | 1,110 |
| Net charge-offs to loans | -0.0139% | 7,769 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4748% | 5,683 |
| Assets per employee ($millions) | 7.8542% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 7,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 58.6336% | 5,550 |
| Net loans and leases to deposits | 65.6236% | 6,092 |
| Net loans and leases to core deposits | 87.5114% | 5,380 |
| Total domestic deposits to total assets | 89.3484% | 1,298 |
| Equity capital to assets | 10.3079% | 3,394 |
| Core capital (leverage) ratio | 10.9022% | 2,281 |
| Tier 1 risk-based capital ratio | 18.8981% | 1,675 |
| Total risk-based capital ratio | 19.7963% | 1,704 |
| Memoranda: | ||
| Average total assets | $37,192,200 | 7,205 |
| Average earning assets | $36,162,400 | 7,095 |
| Average equity | $3,957,200 | 7,312 |
| Average total loans | $21,650,800 | 7,107 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 6,301 |
| Cost of funding earning assets | 2.1160% | 2,822 |
| Net interest margin | 2.9759% | 6,670 |
| Noninterest income to average assets | 0.2836% | 6,205 |
| Noninterest expense to average assets | 1.9924% | 7,404 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7926% | 2,847 |
| Return on assets (ROA) | 0.7926% | 2,909 |
| Pretax return on assets | 1.1852% | 2,314 |
| Return on Equity (ROE) | 7.3875% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.3875% | 1,357 |
| Net charge-offs to loans | -0.0063% | 7,646 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7002% | 5,981 |
| Assets per employee ($millions) | 7.4974% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 7,419 |
| Loan loss allowance to noncurrent loans | 305.7692% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 7,200 |
| Noncurrent loans to loans | 0.2218% | 6,941 |
| Net loans and leases to total assets | 62.1282% | 5,223 |
| Net loans and leases to deposits | 72.3225% | 5,597 |
| Net loans and leases to core deposits | 96.2914% | 4,777 |
| Total domestic deposits to total assets | 85.9044% | 2,745 |
| Equity capital to assets | 10.8037% | 3,205 |
| Core capital (leverage) ratio | 10.8768% | 2,503 |
| Tier 1 risk-based capital ratio | 19.0212% | 1,744 |
| Total risk-based capital ratio | 19.7890% | 1,805 |
| Memoranda: | ||
| Average total assets | $36,672,500 | 7,284 |
| Average earning assets | $35,663,500 | 7,178 |
| Average equity | $3,934,500 | 7,383 |
| Average total loans | $21,259,250 | 7,186 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 6,431 |
| Cost of funding earning assets | 2.1921% | 2,828 |
| Net interest margin | 2.9096% | 6,774 |
| Noninterest income to average assets | 0.3297% | 5,870 |
| Noninterest expense to average assets | 2.0494% | 7,379 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7527% | 3,031 |
| Return on assets (ROA) | 0.7527% | 3,136 |
| Pretax return on assets | 1.1099% | 2,604 |
| Return on Equity (ROE) | 7.0329% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.0329% | 1,571 |
| Net charge-offs to loans | -0.0097% | 7,605 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8696% | 5,746 |
| Assets per employee ($millions) | 7.5048% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 7,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.3500% | 6,053 |
| Net loans and leases to deposits | 64.5084% | 6,517 |
| Net loans and leases to core deposits | 84.4551% | 6,061 |
| Total domestic deposits to total assets | 88.9031% | 1,311 |
| Equity capital to assets | 10.5399% | 3,352 |
| Core capital (leverage) ratio | 10.7747% | 2,589 |
| Tier 1 risk-based capital ratio | 19.9435% | 1,591 |
| Total risk-based capital ratio | 20.7455% | 1,634 |
| Memoranda: | ||
| Average total assets | $36,401,000 | 7,365 |
| Average earning assets | $35,399,670 | 7,245 |
| Average equity | $3,896,000 | 7,452 |
| Average total loans | $20,529,330 | 7,298 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1671% | 6,421 |
| Cost of funding earning assets | 2.2850% | 2,767 |
| Net interest margin | 2.8821% | 6,796 |
| Noninterest income to average assets | 0.3013% | 6,031 |
| Noninterest expense to average assets | 1.9643% | 7,426 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7627% | 3,288 |
| Return on assets (ROA) | 0.7478% | 3,536 |
| Pretax return on assets | 1.1161% | 2,927 |
| Return on Equity (ROE) | 6.9313% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.9313% | 2,237 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3094% | 5,809 |
| Assets per employee ($millions) | 7.1100% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 7,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.1449% | 6,075 |
| Net loans and leases to deposits | 64.5659% | 6,505 |
| Net loans and leases to core deposits | 84.7129% | 6,006 |
| Total domestic deposits to total assets | 88.5063% | 1,485 |
| Equity capital to assets | 10.9620% | 2,993 |
| Core capital (leverage) ratio | 10.8445% | 2,621 |
| Tier 1 risk-based capital ratio | 21.0529% | 1,443 |
| Total risk-based capital ratio | 21.9087% | 1,471 |
| Memoranda: | ||
| Average total assets | $35,839,500 | 7,420 |
| Average earning assets | $34,835,500 | 7,311 |
| Average equity | $3,866,500 | 7,499 |
| Average total loans | $19,954,500 | 7,362 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4919% | 7,321 |
| Cost of funding earning assets | 2.6413% | 3,477 |
| Net interest margin | 2.8506% | 7,254 |
| Noninterest income to average assets | 0.1351% | 7,427 |
| Noninterest expense to average assets | 1.9553% | 7,528 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6618% | 4,057 |
| Return on assets (ROA) | 0.6661% | 3,886 |
| Pretax return on assets | 0.9454% | 3,567 |
| Return on Equity (ROE) | 5.6762% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.6762% | 1,678 |
| Net charge-offs to loans | 0.0167% | 6,639 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 425 |
| Efficiency ratio | 67.5504% | 4,808 |
| Assets per employee ($millions) | 7.2258% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 7,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.3588% | 6,720 |
| Net loans and leases to deposits | 62.0490% | 6,938 |
| Net loans and leases to core deposits | 80.1214% | 6,606 |
| Total domestic deposits to total assets | 85.9946% | 2,405 |
| Equity capital to assets | 10.6175% | 3,372 |
| Core capital (leverage) ratio | 11.6499% | 2,157 |
| Tier 1 risk-based capital ratio | 21.5941% | 1,376 |
| Total risk-based capital ratio | 22.4873% | 1,392 |
| Memoranda: | ||
| Average total assets | $32,578,800 | 7,530 |
| Average earning assets | $31,537,600 | 7,434 |
| Average equity | $3,823,000 | 7,569 |
| Average total loans | $17,935,000 | 7,463 |