Home > Nokomis Savings Bank > Performance and Condition Ratios
Nokomis Savings Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0203% | 4,524 |
| Cost of funding earning assets | 1.6479% | 1,284 |
| Net interest margin | 1.3724% | 4,542 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 6.3293% | 169 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | -4.8490% | 4,616 |
| Return on assets (ROA) | -4.8490% | 4,615 |
| Pretax return on assets | -4.9425% | 4,614 |
| Return on Equity (ROE) | -90.7600% | 4,604 |
| Retained earnings to average equity (ytd only) | -90.7583% | 4,591 |
| Net charge-offs to loans | 0.3507% | 247 |
| Credit loss provision to net charge-offs | 50.0000% | 1,890 |
| Earnings coverage of net charge-offs (x) | -35.3929% | 4,615 |
| Efficiency ratio | 434.4595% | 6 |
| Assets per employee ($millions) | 4.1532% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 988 |
| Loan loss allowance to noncurrent loans | 25.0943% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 2.1269% | 121 |
| Noncurrent loans to loans | 6.1800% | 33 |
| Net loans and leases to total assets | 33.8800% | 4,246 |
| Net loans and leases to deposits | 43.9534% | 4,104 |
| Net loans and leases to core deposits | 47.3581% | 4,102 |
| Total domestic deposits to total assets | 77.0900% | 3,917 |
| Equity capital to assets | 1.4126% | 4,561 |
| Core capital (leverage) ratio | 13.2689% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $27,111,250 | 4,509 |
| Average earning assets | $25,162,750 | 4,472 |
| Average equity | $1,448,500 | 4,535 |
| Average total loans | $10,644,500 | 4,431 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 4,198 |
| Cost of funding earning assets | 1.4922% | 1,255 |
| Net interest margin | 2.1572% | 4,442 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 6.5944% | 157 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | -4.4034% | 4,642 |
| Return on assets (ROA) | -4.4034% | 4,642 |
| Pretax return on assets | -4.4034% | 4,640 |
| Return on Equity (ROE) | -67.5900% | 4,631 |
| Retained earnings to average equity (ytd only) | -67.5854% | 4,614 |
| Net charge-offs to loans | 0.6353% | 131 |
| Credit loss provision to net charge-offs | 25.0000% | 1,754 |
| Earnings coverage of net charge-offs (x) | -16.7778% | 4,642 |
| Efficiency ratio | 292.3567% | 13 |
| Assets per employee ($millions) | 4.5302% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 2,777 |
| Loan loss allowance to noncurrent loans | 32.9700% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3502% | 282 |
| Noncurrent loans to loans | 3.4412% | 113 |
| Net loans and leases to total assets | 38.7900% | 4,082 |
| Net loans and leases to deposits | 51.9895% | 3,838 |
| Net loans and leases to core deposits | 56.1957% | 3,809 |
| Total domestic deposits to total assets | 74.6100% | 4,148 |
| Equity capital to assets | 5.5296% | 4,286 |
| Core capital (leverage) ratio | 14.1002% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $27,842,000 | 4,528 |
| Average earning assets | $25,867,000 | 4,495 |
| Average equity | $1,814,000 | 4,552 |
| Average total loans | $11,334,000 | 4,450 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 3,881 |
| Cost of funding earning assets | 1.2673% | 1,305 |
| Net interest margin | 2.5194% | 4,288 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 6.4176% | 164 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | -3.6915% | 4,662 |
| Return on assets (ROA) | -3.6915% | 4,660 |
| Pretax return on assets | -3.7057% | 4,656 |
| Return on Equity (ROE) | -52.8100% | 4,654 |
| Retained earnings to average equity (ytd only) | -52.8053% | 4,671 |
| Net charge-offs to loans | 1.1313% | 72 |
| Credit loss provision to net charge-offs | 6.0606% | 1,412 |
| Earnings coverage of net charge-offs (x) | -7.8485% | 4,662 |
| Efficiency ratio | 234.1969% | 18 |
| Assets per employee ($millions) | 5.5912% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,337 |
| Loan loss allowance to noncurrent loans | 33.8150% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.5095% | 216 |
| Noncurrent loans to loans | 3.0788% | 143 |
| Net loans and leases to total assets | 39.7800% | 4,050 |
| Net loans and leases to deposits | 53.1520% | 3,729 |
| Net loans and leases to core deposits | 57.2775% | 3,673 |
| Total domestic deposits to total assets | 74.8400% | 4,235 |
| Equity capital to assets | 6.0667% | 4,177 |
| Core capital (leverage) ratio | 14.5931% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $28,172,500 | 4,585 |
| Average earning assets | $26,196,500 | 4,559 |
| Average equity | $1,969,500 | 4,610 |
| Average total loans | $11,668,500 | 4,505 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1087% | 3,977 |
| Cost of funding earning assets | 0.7327% | 503 |
| Net interest margin | 2.3760% | 4,375 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.2533% | 2,881 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.0836% | 4,520 |
| Return on assets (ROA) | 0.0836% | 4,507 |
| Pretax return on assets | 0.0836% | 4,510 |
| Return on Equity (ROE) | 0.8100% | 4,504 |
| Retained earnings to average equity (ytd only) | 0.8107% | 4,232 |
| Net charge-offs to loans | 0.0156% | 1,803 |
| Credit loss provision to net charge-offs | 900.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,856 |
| Efficiency ratio | 94.0028% | 227 |
| Assets per employee ($millions) | 5.6778% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,278 |
| Loan loss allowance to noncurrent loans | 23.4548% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 2.3319% | 94 |
| Noncurrent loans to loans | 5.2153% | 51 |
| Net loans and leases to total assets | 42.1000% | 3,974 |
| Net loans and leases to deposits | 56.2215% | 3,564 |
| Net loans and leases to core deposits | 58.3289% | 3,595 |
| Total domestic deposits to total assets | 74.8800% | 4,322 |
| Equity capital to assets | 7.9009% | 3,116 |
| Core capital (leverage) ratio | 15.3455% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $29,911,400 | 4,610 |
| Average earning assets | $28,114,600 | 4,580 |
| Average equity | $3,083,800 | 4,600 |
| Average total loans | $12,780,200 | 4,513 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2418% | 3,330 |
| Cost of funding earning assets | 0.6577% | 316 |
| Net interest margin | 2.5841% | 4,122 |
| Noninterest income to average assets | -0.2000% | 4,738 |
| Noninterest expense to average assets | 2.1435% | 3,093 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.1012% | 4,543 |
| Return on assets (ROA) | 0.1012% | 4,513 |
| Pretax return on assets | 0.0308% | 4,546 |
| Return on Equity (ROE) | 0.9300% | 4,500 |
| Retained earnings to average equity (ytd only) | 0.9310% | 4,223 |
| Net charge-offs to loans | 0.0206% | 1,421 |
| Credit loss provision to net charge-offs | 700.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,980 |
| Efficiency ratio | 95.8661% | 202 |
| Assets per employee ($millions) | 5.7106% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,658 |
| Loan loss allowance to noncurrent loans | 38.5445% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 256 |
| Noncurrent loans to loans | 3.0530% | 150 |
| Net loans and leases to total assets | 42.0600% | 3,981 |
| Net loans and leases to deposits | 53.7147% | 3,618 |
| Net loans and leases to core deposits | 55.6178% | 3,647 |
| Total domestic deposits to total assets | 78.3000% | 4,235 |
| Equity capital to assets | 7.4878% | 3,226 |
| Core capital (leverage) ratio | 16.9142% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $30,292,000 | 4,643 |
| Average earning assets | $28,584,500 | 4,607 |
| Average equity | $3,294,000 | 4,634 |
| Average total loans | $12,950,500 | 4,543 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6721% | 4,181 |
| Cost of funding earning assets | 0.6271% | 234 |
| Net interest margin | 2.0450% | 4,537 |
| Noninterest income to average assets | 0.1425% | 4,307 |
| Noninterest expense to average assets | 2.1379% | 3,032 |
| Loan and lease loss provision to assets | 0.0583% | 1,540 |
| Net operating income to assets | -0.1166% | 4,619 |
| Return on assets (ROA) | -0.1166% | 4,589 |
| Pretax return on assets | -0.1101% | 4,576 |
| Return on Equity (ROE) | -0.9784% | 4,590 |
| Retained earnings to average equity (ytd only) | -0.9784% | 4,293 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4845% | 168 |
| Assets per employee ($millions) | 5.8226% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 2,931 |
| Loan loss allowance to noncurrent loans | 42.2961% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.1369% | 383 |
| Noncurrent loans to loans | 2.7149% | 201 |
| Net loans and leases to total assets | 41.3973% | 4,012 |
| Net loans and leases to deposits | 52.1416% | 3,675 |
| Net loans and leases to core deposits | 54.5389% | 3,665 |
| Total domestic deposits to total assets | 79.3941% | 4,276 |
| Equity capital to assets | 8.3571% | 2,864 |
| Core capital (leverage) ratio | 15.0905% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,871,667 | 4,669 |
| Average earning assets | $29,340,333 | 4,657 |
| Average equity | $3,679,333 | 4,639 |
| Average total loans | $13,216,667 | 4,605 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8852% | 3,568 |
| Cost of funding earning assets | 0.6164% | 235 |
| Net interest margin | 2.2688% | 4,275 |
| Noninterest income to average assets | 0.1386% | 4,322 |
| Noninterest expense to average assets | 2.1039% | 3,132 |
| Loan and lease loss provision to assets | 0.0630% | 1,283 |
| Net operating income to assets | 0.1512% | 4,402 |
| Return on assets (ROA) | 0.1512% | 4,369 |
| Pretax return on assets | 0.1512% | 4,386 |
| Return on Equity (ROE) | 1.1156% | 4,409 |
| Retained earnings to average equity (ytd only) | 1.1156% | 3,802 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7609% | 514 |
| Assets per employee ($millions) | 7.7200% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,604 |
| Loan loss allowance to noncurrent loans | 48.5714% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 591 |
| Noncurrent loans to loans | 2.1140% | 331 |
| Net loans and leases to total assets | 42.4514% | 3,855 |
| Net loans and leases to deposits | 57.5638% | 3,115 |
| Net loans and leases to core deposits | 58.8904% | 3,245 |
| Total domestic deposits to total assets | 73.7468% | 4,577 |
| Equity capital to assets | 11.8070% | 1,020 |
| Core capital (leverage) ratio | 15.1725% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,751,000 | 4,693 |
| Average earning assets | $30,500,500 | 4,676 |
| Average equity | $4,302,500 | 4,629 |
| Average total loans | $13,729,000 | 4,623 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8013% | 4,207 |
| Cost of funding earning assets | 0.7293% | 282 |
| Net interest margin | 2.0720% | 4,558 |
| Noninterest income to average assets | 0.0950% | 4,629 |
| Noninterest expense to average assets | 1.9775% | 3,747 |
| Loan and lease loss provision to assets | 0.0534% | 1,987 |
| Net operating income to assets | 0.1010% | 4,620 |
| Return on assets (ROA) | 0.1010% | 4,627 |
| Pretax return on assets | 0.0802% | 4,655 |
| Return on Equity (ROE) | 0.6845% | 4,637 |
| Retained earnings to average equity (ytd only) | 0.6845% | 4,339 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6709% | 237 |
| Assets per employee ($millions) | 8.1403% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,007 |
| Loan loss allowance to noncurrent loans | 49.6212% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 737 |
| Noncurrent loans to loans | 1.8609% | 439 |
| Net loans and leases to total assets | 43.1682% | 3,897 |
| Net loans and leases to deposits | 62.2691% | 2,856 |
| Net loans and leases to core deposits | 63.7171% | 3,005 |
| Total domestic deposits to total assets | 69.3253% | 4,698 |
| Equity capital to assets | 15.1869% | 471 |
| Core capital (leverage) ratio | 14.9862% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,678,600 | 4,717 |
| Average earning assets | $32,770,600 | 4,692 |
| Average equity | $4,967,200 | 4,635 |
| Average total loans | $14,897,800 | 4,655 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7636% | 4,343 |
| Cost of funding earning assets | 0.7464% | 312 |
| Net interest margin | 2.0172% | 4,671 |
| Noninterest income to average assets | 0.1060% | 4,647 |
| Noninterest expense to average assets | 1.9396% | 3,840 |
| Loan and lease loss provision to assets | 0.0501% | 1,995 |
| Net operating income to assets | 0.1139% | 4,689 |
| Return on assets (ROA) | 0.1139% | 4,706 |
| Pretax return on assets | 0.0785% | 4,724 |
| Return on Equity (ROE) | 0.7776% | 4,709 |
| Retained earnings to average equity (ytd only) | 0.7776% | 4,456 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7381% | 234 |
| Assets per employee ($millions) | 6.6470% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,189 |
| Loan loss allowance to noncurrent loans | 46.8635% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 871 |
| Noncurrent loans to loans | 1.8890% | 485 |
| Net loans and leases to total assets | 42.7832% | 4,040 |
| Net loans and leases to deposits | 61.6636% | 3,074 |
| Net loans and leases to core deposits | 63.0638% | 3,215 |
| Total domestic deposits to total assets | 69.3817% | 4,748 |
| Equity capital to assets | 15.3062% | 493 |
| Core capital (leverage) ratio | 14.9224% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,958,000 | 4,786 |
| Average earning assets | $33,047,750 | 4,759 |
| Average equity | $4,972,750 | 4,703 |
| Average total loans | $15,075,500 | 4,717 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7400% | 4,416 |
| Cost of funding earning assets | 0.7691% | 335 |
| Net interest margin | 1.9709% | 4,719 |
| Noninterest income to average assets | 0.0819% | 4,753 |
| Noninterest expense to average assets | 2.0995% | 3,395 |
| Loan and lease loss provision to assets | 0.0526% | 1,980 |
| Net operating income to assets | -0.1287% | 4,811 |
| Return on assets (ROA) | -0.1287% | 4,818 |
| Pretax return on assets | -0.1520% | 4,821 |
| Return on Equity (ROE) | -0.8900% | 4,820 |
| Retained earnings to average equity (ytd only) | -0.8900% | 4,601 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9708% | 125 |
| Assets per employee ($millions) | 8.3058% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 4,309 |
| Loan loss allowance to noncurrent loans | 45.1852% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8127% | 987 |
| Noncurrent loans to loans | 1.8494% | 553 |
| Net loans and leases to total assets | 43.5752% | 4,066 |
| Net loans and leases to deposits | 62.6520% | 3,135 |
| Net loans and leases to core deposits | 64.7914% | 3,210 |
| Total domestic deposits to total assets | 69.5512% | 4,765 |
| Equity capital to assets | 15.2364% | 492 |
| Core capital (leverage) ratio | 14.2339% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,199,333 | 4,818 |
| Average earning assets | $33,284,667 | 4,788 |
| Average equity | $4,943,667 | 4,734 |
| Average total loans | $15,318,667 | 4,748 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5940% | 4,577 |
| Cost of funding earning assets | 0.7936% | 367 |
| Net interest margin | 1.8004% | 4,807 |
| Noninterest income to average assets | 0.0807% | 4,760 |
| Noninterest expense to average assets | 1.9719% | 3,802 |
| Loan and lease loss provision to assets | 0.0461% | 2,156 |
| Net operating income to assets | -0.1384% | 4,818 |
| Return on assets (ROA) | -0.1384% | 4,821 |
| Pretax return on assets | -0.1845% | 4,833 |
| Return on Equity (ROE) | -0.9827% | 4,826 |
| Retained earnings to average equity (ytd only) | -0.9827% | 4,463 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5472% | 125 |
| Assets per employee ($millions) | 7.1490% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 4,457 |
| Loan loss allowance to noncurrent loans | 42.4460% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 1,163 |
| Noncurrent loans to loans | 1.8150% | 635 |
| Net loans and leases to total assets | 42.5206% | 4,199 |
| Net loans and leases to deposits | 66.1286% | 2,906 |
| Net loans and leases to core deposits | 67.6293% | 3,088 |
| Total domestic deposits to total assets | 64.2999% | 4,858 |
| Equity capital to assets | 13.0312% | 904 |
| Core capital (leverage) ratio | 14.2569% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,687,500 | 4,835 |
| Average earning assets | $33,770,500 | 4,802 |
| Average equity | $4,884,500 | 4,758 |
| Average total loans | $15,678,500 | 4,769 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1334% | 4,527 |
| Cost of funding earning assets | 1.0022% | 591 |
| Net interest margin | 2.1312% | 4,794 |
| Noninterest income to average assets | 0.1141% | 4,691 |
| Noninterest expense to average assets | 2.0846% | 3,966 |
| Loan and lease loss provision to assets | 0.0740% | 3,455 |
| Net operating income to assets | 0.0201% | 4,718 |
| Return on assets (ROA) | 0.0031% | 4,769 |
| Pretax return on assets | 0.0062% | 4,759 |
| Return on Equity (ROE) | 0.0197% | 4,769 |
| Retained earnings to average equity (ytd only) | 0.0197% | 4,512 |
| Net charge-offs to loans | 0.0169% | 2,752 |
| Credit loss provision to net charge-offs | 800.0000% | 900 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,421 |
| Efficiency ratio | 95.3456% | 239 |
| Assets per employee ($millions) | 8.4075% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7045% | 4,582 |
| Loan loss allowance to noncurrent loans | 36.6883% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 1,074 |
| Noncurrent loans to loans | 1.9202% | 620 |
| Net loans and leases to total assets | 47.3595% | 4,017 |
| Net loans and leases to deposits | 77.9856% | 2,069 |
| Net loans and leases to core deposits | 78.9873% | 2,456 |
| Total domestic deposits to total assets | 60.7285% | 4,907 |
| Equity capital to assets | 15.1977% | 537 |
| Core capital (leverage) ratio | 14.7317% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,428,600 | 4,848 |
| Average earning assets | $31,531,400 | 4,826 |
| Average equity | $5,072,400 | 4,745 |
| Average total loans | $17,745,000 | 4,763 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1889% | 4,602 |
| Cost of funding earning assets | 1.0630% | 613 |
| Net interest margin | 2.1259% | 4,844 |
| Noninterest income to average assets | 0.0747% | 4,838 |
| Noninterest expense to average assets | 2.0584% | 4,029 |
| Loan and lease loss provision to assets | 0.0778% | 3,345 |
| Net operating income to assets | 0.0000% | 4,772 |
| Return on assets (ROA) | -0.0373% | 4,804 |
| Pretax return on assets | -0.0332% | 4,799 |
| Return on Equity (ROE) | -0.2370% | 4,804 |
| Retained earnings to average equity (ytd only) | -0.2370% | 4,518 |
| Net charge-offs to loans | 0.0220% | 2,411 |
| Credit loss provision to net charge-offs | 633.3333% | 1,134 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,637 |
| Efficiency ratio | 96.1240% | 222 |
| Assets per employee ($millions) | 5.6510% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6431% | 4,674 |
| Loan loss allowance to noncurrent loans | 43.5484% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 1,598 |
| Noncurrent loans to loans | 1.4768% | 976 |
| Net loans and leases to total assets | 49.2096% | 4,134 |
| Net loans and leases to deposits | 80.6467% | 2,244 |
| Net loans and leases to core deposits | 82.6768% | 2,606 |
| Total domestic deposits to total assets | 61.0187% | 4,917 |
| Equity capital to assets | 15.0888% | 617 |
| Core capital (leverage) ratio | 14.3285% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,128,000 | 4,879 |
| Average earning assets | $31,233,000 | 4,858 |
| Average equity | $5,062,750 | 4,768 |
| Average total loans | $18,171,250 | 4,780 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 4,211 |
| Cost of funding earning assets | 1.1105% | 694 |
| Net interest margin | 2.5214% | 4,725 |
| Noninterest income to average assets | 0.0634% | 4,881 |
| Noninterest expense to average assets | 2.2324% | 3,700 |
| Loan and lease loss provision to assets | 0.0381% | 3,800 |
| Net operating income to assets | 0.1656% | 4,612 |
| Return on assets (ROA) | 0.1205% | 4,694 |
| Pretax return on assets | 0.1839% | 4,650 |
| Return on Equity (ROE) | 0.7532% | 4,716 |
| Retained earnings to average equity (ytd only) | 0.7532% | 4,151 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 418 |
| Assets per employee ($millions) | 8.7010% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5448% | 4,795 |
| Loan loss allowance to noncurrent loans | 61.2500% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 2,483 |
| Noncurrent loans to loans | 0.8895% | 1,720 |
| Net loans and leases to total assets | 51.4021% | 4,070 |
| Net loans and leases to deposits | 87.2768% | 1,633 |
| Net loans and leases to core deposits | 89.4947% | 2,112 |
| Total domestic deposits to total assets | 58.8955% | 4,968 |
| Equity capital to assets | 15.0241% | 616 |
| Core capital (leverage) ratio | 15.3782% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,535,333 | 4,916 |
| Average earning assets | $30,618,000 | 4,893 |
| Average equity | $5,045,000 | 4,794 |
| Average total loans | $18,630,667 | 4,798 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,219 |
| Cost of funding earning assets | 1.2004% | 772 |
| Net interest margin | 2.6077% | 4,747 |
| Noninterest income to average assets | 0.0936% | 4,849 |
| Noninterest expense to average assets | 2.1136% | 4,189 |
| Loan and lease loss provision to assets | 0.0401% | 3,270 |
| Net operating income to assets | 0.2880% | 4,368 |
| Return on assets (ROA) | 0.2140% | 4,518 |
| Pretax return on assets | 0.3746% | 4,342 |
| Return on Equity (ROE) | 1.2921% | 4,586 |
| Retained earnings to average equity (ytd only) | 1.2921% | 3,673 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6122% | 1,079 |
| Assets per employee ($millions) | 6.0222% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5070% | 4,866 |
| Loan loss allowance to noncurrent loans | 111.7647% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 3,321 |
| Noncurrent loans to loans | 0.4536% | 2,891 |
| Net loans and leases to total assets | 61.9109% | 3,307 |
| Net loans and leases to deposits | 93.6878% | 1,104 |
| Net loans and leases to core deposits | 94.9137% | 1,892 |
| Total domestic deposits to total assets | 66.0822% | 4,959 |
| Equity capital to assets | 16.1768% | 552 |
| Core capital (leverage) ratio | 15.9688% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,901,000 | 4,971 |
| Average earning assets | $28,991,500 | 4,947 |
| Average equity | $4,953,000 | 4,841 |
| Average total loans | $18,952,000 | 4,830 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 4,074 |
| Cost of funding earning assets | 1.2262% | 958 |
| Net interest margin | 2.8576% | 4,703 |
| Noninterest income to average assets | 0.0601% | 5,013 |
| Noninterest expense to average assets | 2.5250% | 3,380 |
| Loan and lease loss provision to assets | 0.0849% | 2,308 |
| Net operating income to assets | 0.1451% | 4,894 |
| Return on assets (ROA) | 0.2122% | 4,854 |
| Pretax return on assets | 0.3041% | 4,815 |
| Return on Equity (ROE) | 1.2258% | 4,891 |
| Retained earnings to average equity (ytd only) | 1.2258% | 4,304 |
| Net charge-offs to loans | 0.0921% | 1,807 |
| Credit loss provision to net charge-offs | 141.1765% | 1,831 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 3,135 |
| Efficiency ratio | 89.2500% | 381 |
| Assets per employee ($millions) | 4.2416% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4800% | 4,910 |
| Loan loss allowance to noncurrent loans | 117.9487% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 3,380 |
| Noncurrent loans to loans | 0.4069% | 2,979 |
| Net loans and leases to total assets | 64.2451% | 3,166 |
| Net loans and leases to deposits | 98.6094% | 707 |
| Net loans and leases to core deposits | 102.3008% | 1,384 |
| Total domestic deposits to total assets | 65.1511% | 5,038 |
| Equity capital to assets | 16.9580% | 472 |
| Core capital (leverage) ratio | 16.8911% | 425 |
| Tier 1 risk-based capital ratio | 26.4346% | 647 |
| Total risk-based capital ratio | 26.9266% | 686 |
| Memoranda: | ||
| Average total assets | $28,277,200 | 5,044 |
| Average earning assets | $27,400,800 | 5,016 |
| Average equity | $4,894,800 | 4,894 |
| Average total loans | $18,453,200 | 4,899 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 4,843 |
| Cost of funding earning assets | 1.0951% | 1,374 |
| Net interest margin | 2.5504% | 5,035 |
| Noninterest income to average assets | 0.0525% | 5,109 |
| Noninterest expense to average assets | 2.2776% | 4,014 |
| Loan and lease loss provision to assets | 0.0430% | 3,043 |
| Net operating income to assets | 0.0917% | 5,022 |
| Return on assets (ROA) | 0.0955% | 5,035 |
| Pretax return on assets | 0.2053% | 4,984 |
| Return on Equity (ROE) | 0.5491% | 5,047 |
| Retained earnings to average equity (ytd only) | 0.5491% | 4,653 |
| Net charge-offs to loans | 0.0803% | 1,678 |
| Credit loss provision to net charge-offs | 81.8182% | 2,479 |
| Earnings coverage of net charge-offs (x) | 4.6353% | 2,993 |
| Efficiency ratio | 90.3409% | 313 |
| Assets per employee ($millions) | 4.1060% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4321% | 5,036 |
| Loan loss allowance to noncurrent loans | 109.3333% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 3,524 |
| Noncurrent loans to loans | 0.3952% | 3,130 |
| Net loans and leases to total assets | 65.7366% | 3,081 |
| Net loans and leases to deposits | 99.7993% | 653 |
| Net loans and leases to core deposits | 103.5912% | 1,364 |
| Total domestic deposits to total assets | 65.8688% | 5,100 |
| Equity capital to assets | 17.3822% | 454 |
| Core capital (leverage) ratio | 17.1721% | 415 |
| Tier 1 risk-based capital ratio | 69.8485% | 71 |
| Total risk-based capital ratio | 71.0098% | 71 |
| Memoranda: | ||
| Average total assets | $27,923,250 | 5,125 |
| Average earning assets | $27,028,250 | 5,100 |
| Average equity | $4,857,000 | 4,966 |
| Average total loans | $18,273,500 | 4,977 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 4,194 |
| Cost of funding earning assets | 1.1679% | 1,082 |
| Net interest margin | 2.9199% | 4,804 |
| Noninterest income to average assets | 0.0506% | 5,164 |
| Noninterest expense to average assets | 2.6329% | 3,109 |
| Loan and lease loss provision to assets | 0.0434% | 2,955 |
| Net operating income to assets | 0.1073% | 5,052 |
| Return on assets (ROA) | 0.1302% | 5,050 |
| Pretax return on assets | 0.2242% | 5,007 |
| Return on Equity (ROE) | 0.7483% | 5,067 |
| Retained earnings to average equity (ytd only) | 0.7483% | 4,500 |
| Net charge-offs to loans | 0.1330% | 1,135 |
| Credit loss provision to net charge-offs | 50.0000% | 2,472 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 2,908 |
| Efficiency ratio | 91.6877% | 287 |
| Assets per employee ($millions) | 4.6897% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4287% | 5,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 64.3827% | 3,298 |
| Net loans and leases to deposits | 96.0042% | 1,036 |
| Net loans and leases to core deposits | 99.6425% | 1,755 |
| Total domestic deposits to total assets | 67.0623% | 5,130 |
| Equity capital to assets | 17.6843% | 410 |
| Core capital (leverage) ratio | 17.6986% | 361 |
| Tier 1 risk-based capital ratio | 71.0166% | 66 |
| Total risk-based capital ratio | 72.1413% | 65 |
| Memoranda: | ||
| Average total assets | $27,650,330 | 5,170 |
| Average earning assets | $26,713,670 | 5,148 |
| Average equity | $4,810,670 | 5,006 |
| Average total loans | $18,039,330 | 5,022 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8873% | 5,298 |
| Cost of funding earning assets | 0.6198% | 3,465 |
| Net interest margin | 2.2675% | 5,262 |
| Noninterest income to average assets | 0.0584% | 5,187 |
| Noninterest expense to average assets | 2.0141% | 4,617 |
| Loan and lease loss provision to assets | 0.0292% | 3,033 |
| Net operating income to assets | 0.1168% | 5,080 |
| Return on assets (ROA) | 0.1168% | 5,087 |
| Pretax return on assets | 0.2043% | 5,027 |
| Return on Equity (ROE) | 0.6764% | 5,103 |
| Retained earnings to average equity (ytd only) | 0.6764% | 4,392 |
| Net charge-offs to loans | 0.2450% | 592 |
| Credit loss provision to net charge-offs | 18.1818% | 2,145 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 2,595 |
| Efficiency ratio | 89.6104% | 413 |
| Assets per employee ($millions) | 4.7042% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4188% | 5,158 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,823 |
| Noncurrent loans to loans | 0.0168% | 4,708 |
| Net loans and leases to total assets | 63.1851% | 3,384 |
| Net loans and leases to deposits | 94.3149% | 1,137 |
| Net loans and leases to core deposits | 97.8546% | 1,787 |
| Total domestic deposits to total assets | 66.9938% | 5,194 |
| Equity capital to assets | 16.9708% | 450 |
| Core capital (leverage) ratio | 17.9922% | 338 |
| Tier 1 risk-based capital ratio | 77.6986% | 56 |
| Total risk-based capital ratio | 78.8857% | 56 |
| Memoranda: | ||
| Average total assets | $27,406,500 | 5,228 |
| Average earning assets | $26,461,000 | 5,203 |
| Average equity | $4,731,000 | 5,056 |
| Average total loans | $17,962,000 | 5,079 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 4,474 |
| Cost of funding earning assets | 0.7853% | 1,608 |
| Net interest margin | 3.0220% | 4,775 |
| Noninterest income to average assets | 0.0725% | 5,226 |
| Noninterest expense to average assets | 2.4620% | 3,723 |
| Loan and lease loss provision to assets | 0.0802% | 2,521 |
| Net operating income to assets | 0.3193% | 4,982 |
| Return on assets (ROA) | 0.2710% | 5,040 |
| Pretax return on assets | 0.3779% | 4,960 |
| Return on Equity (ROE) | 1.5387% | 5,103 |
| Retained earnings to average equity (ytd only) | 1.5387% | 4,518 |
| Net charge-offs to loans | 0.0056% | 3,508 |
| Credit loss provision to net charge-offs | 2,100.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 597 |
| Efficiency ratio | 82.5864% | 736 |
| Assets per employee ($millions) | 4.4313% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4663% | 5,159 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,764 |
| Noncurrent loans to loans | 0.0333% | 4,624 |
| Net loans and leases to total assets | 67.4402% | 2,948 |
| Net loans and leases to deposits | 100.3077% | 719 |
| Net loans and leases to core deposits | 101.7419% | 1,597 |
| Total domestic deposits to total assets | 67.2333% | 5,226 |
| Equity capital to assets | 17.5718% | 374 |
| Core capital (leverage) ratio | 18.6621% | 281 |
| Tier 1 risk-based capital ratio | 78.3464% | 56 |
| Total risk-based capital ratio | 79.5938% | 55 |
| Memoranda: | ||
| Average total assets | $26,198,400 | 5,288 |
| Average earning assets | $25,214,800 | 5,260 |
| Average equity | $4,614,200 | 5,101 |
| Average total loans | $17,830,600 | 5,124 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 4,444 |
| Cost of funding earning assets | 0.7283% | 1,694 |
| Net interest margin | 3.0673% | 4,760 |
| Noninterest income to average assets | 0.0715% | 5,290 |
| Noninterest expense to average assets | 2.4622% | 3,695 |
| Loan and lease loss provision to assets | 0.0869% | 2,236 |
| Net operating income to assets | 0.2893% | 5,102 |
| Return on assets (ROA) | 0.2248% | 5,178 |
| Pretax return on assets | 0.3883% | 5,044 |
| Return on Equity (ROE) | 1.2755% | 5,207 |
| Retained earnings to average equity (ytd only) | 1.2755% | 4,787 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5567% | 809 |
| Assets per employee ($millions) | 3.7451% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4508% | 5,240 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 5,014 |
| Noncurrent loans to loans | 0.0056% | 4,912 |
| Net loans and leases to total assets | 67.3940% | 3,022 |
| Net loans and leases to deposits | 98.9139% | 867 |
| Net loans and leases to core deposits | 100.3237% | 1,761 |
| Total domestic deposits to total assets | 68.1340% | 5,279 |
| Equity capital to assets | 17.4435% | 384 |
| Core capital (leverage) ratio | 18.9265% | 273 |
| Tier 1 risk-based capital ratio | 68.2971% | 63 |
| Total risk-based capital ratio | 69.4184% | 65 |
| Memoranda: | ||
| Average total assets | $26,100,750 | 5,357 |
| Average earning assets | $25,080,750 | 5,333 |
| Average equity | $4,599,750 | 5,164 |
| Average total loans | $17,784,500 | 5,189 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 4,171 |
| Cost of funding earning assets | 0.7587% | 1,329 |
| Net interest margin | 3.1068% | 4,714 |
| Noninterest income to average assets | 0.0690% | 5,354 |
| Noninterest expense to average assets | 2.5470% | 3,491 |
| Loan and lease loss provision to assets | 0.0921% | 2,084 |
| Net operating income to assets | 0.2936% | 5,123 |
| Return on assets (ROA) | 0.2148% | 5,211 |
| Pretax return on assets | 0.3145% | 5,149 |
| Return on Equity (ROE) | 1.2131% | 5,252 |
| Retained earnings to average equity (ytd only) | 1.2131% | 4,713 |
| Net charge-offs to loans | 0.0112% | 2,752 |
| Credit loss provision to net charge-offs | 1,200.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 945 |
| Efficiency ratio | 83.4171% | 730 |
| Assets per employee ($millions) | 5.1826% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4203% | 5,341 |
| Loan loss allowance to noncurrent loans | 340.9091% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 4,584 |
| Noncurrent loans to loans | 0.1233% | 4,357 |
| Net loans and leases to total assets | 68.5795% | 2,776 |
| Net loans and leases to deposits | 95.7386% | 1,171 |
| Net loans and leases to core deposits | 97.0457% | 1,959 |
| Total domestic deposits to total assets | 71.6320% | 5,203 |
| Equity capital to assets | 17.6321% | 356 |
| Core capital (leverage) ratio | 18.8893% | 273 |
| Tier 1 risk-based capital ratio | 82.9973% | 53 |
| Total risk-based capital ratio | 84.2447% | 53 |
| Memoranda: | ||
| Average total assets | $26,070,000 | 5,417 |
| Average earning assets | $25,041,670 | 5,393 |
| Average equity | $4,616,330 | 5,220 |
| Average total loans | $17,804,330 | 5,246 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 4,757 |
| Cost of funding earning assets | 0.6541% | 1,700 |
| Net interest margin | 2.9196% | 4,997 |
| Noninterest income to average assets | 0.0765% | 5,407 |
| Noninterest expense to average assets | 2.6158% | 3,291 |
| Loan and lease loss provision to assets | 0.0918% | 1,975 |
| Net operating income to assets | 0.1224% | 5,314 |
| Return on assets (ROA) | 0.1224% | 5,311 |
| Pretax return on assets | 0.1683% | 5,288 |
| Return on Equity (ROE) | 0.6897% | 5,334 |
| Retained earnings to average equity (ytd only) | 0.6897% | 4,689 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9574% | 402 |
| Assets per employee ($millions) | 5.2376% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3945% | 5,432 |
| 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 | 67.4927% | 2,824 |
| Net loans and leases to deposits | 93.8163% | 1,240 |
| Net loans and leases to core deposits | 93.8163% | 2,154 |
| Total domestic deposits to total assets | 71.9413% | 5,287 |
| Equity capital to assets | 17.4775% | 361 |
| Core capital (leverage) ratio | 18.6598% | 274 |
| Tier 1 risk-based capital ratio | 66.4058% | 73 |
| Total risk-based capital ratio | 67.3668% | 72 |
| Memoranda: | ||
| Average total assets | $26,148,500 | 5,477 |
| Average earning assets | $25,071,500 | 5,450 |
| Average equity | $4,640,000 | 5,270 |
| Average total loans | $17,783,500 | 5,304 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4724% | 4,824 |
| Cost of funding earning assets | 0.5940% | 1,634 |
| Net interest margin | 2.8784% | 5,069 |
| Noninterest income to average assets | 0.0807% | 5,459 |
| Noninterest expense to average assets | 2.3620% | 4,174 |
| Loan and lease loss provision to assets | 0.0768% | 2,666 |
| Net operating income to assets | 0.3429% | 4,846 |
| Return on assets (ROA) | 0.4417% | 4,585 |
| Pretax return on assets | 0.5339% | 4,876 |
| Return on Equity (ROE) | 2.4739% | 4,957 |
| Retained earnings to average equity (ytd only) | 2.4739% | 3,849 |
| Net charge-offs to loans | 0.0806% | 2,303 |
| Credit loss provision to net charge-offs | 142.8571% | 1,853 |
| Earnings coverage of net charge-offs (x) | 9.1429% | 2,819 |
| Efficiency ratio | 82.7725% | 872 |
| Assets per employee ($millions) | 4.3515% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3591% | 5,519 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 4,814 |
| Noncurrent loans to loans | 0.0898% | 4,592 |
| Net loans and leases to total assets | 68.0149% | 2,814 |
| Net loans and leases to deposits | 95.4731% | 1,131 |
| Net loans and leases to core deposits | 95.4731% | 2,078 |
| Total domestic deposits to total assets | 71.2398% | 5,352 |
| Equity capital to assets | 18.0129% | 312 |
| Core capital (leverage) ratio | 18.5160% | 261 |
| Tier 1 risk-based capital ratio | 69.3989% | 61 |
| Total risk-based capital ratio | 70.3192% | 61 |
| Memoranda: | ||
| Average total assets | $26,037,000 | 5,535 |
| Average earning assets | $25,083,600 | 5,507 |
| Average equity | $4,648,600 | 5,327 |
| Average total loans | $17,377,400 | 5,374 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 4,661 |
| Cost of funding earning assets | 0.5736% | 1,719 |
| Net interest margin | 2.9849% | 4,951 |
| Noninterest income to average assets | 0.0820% | 5,525 |
| Noninterest expense to average assets | 2.3470% | 4,165 |
| Loan and lease loss provision to assets | 0.0718% | 2,643 |
| Net operating income to assets | 0.4561% | 4,865 |
| Return on assets (ROA) | 0.4561% | 4,896 |
| Pretax return on assets | 0.5432% | 4,941 |
| Return on Equity (ROE) | 2.5604% | 5,207 |
| Retained earnings to average equity (ytd only) | 2.5604% | 4,355 |
| Net charge-offs to loans | 0.1081% | 1,705 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 8.5699% | 2,767 |
| Efficiency ratio | 79.2388% | 1,186 |
| Assets per employee ($millions) | 4.3412% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3226% | 5,609 |
| 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 | 68.8025% | 2,723 |
| Net loans and leases to deposits | 98.1005% | 904 |
| Net loans and leases to core deposits | 98.1005% | 1,876 |
| Total domestic deposits to total assets | 70.1348% | 5,475 |
| Equity capital to assets | 18.2056% | 318 |
| Core capital (leverage) ratio | 18.3954% | 280 |
| Tier 1 risk-based capital ratio | 69.3898% | 63 |
| Total risk-based capital ratio | 70.2285% | 63 |
| Memoranda: | ||
| Average total assets | $26,018,000 | 5,597 |
| Average earning assets | $25,103,750 | 5,570 |
| Average equity | $4,634,500 | 5,386 |
| Average total loans | $17,266,250 | 5,435 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3960% | 4,978 |
| Cost of funding earning assets | 0.5660% | 1,675 |
| Net interest margin | 2.8300% | 5,204 |
| Noninterest income to average assets | 0.0769% | 5,578 |
| Noninterest expense to average assets | 2.4300% | 3,967 |
| Loan and lease loss provision to assets | 0.0615% | 2,735 |
| Net operating income to assets | 0.2691% | 5,290 |
| Return on assets (ROA) | 0.2691% | 5,309 |
| Pretax return on assets | 0.3153% | 5,316 |
| Return on Equity (ROE) | 1.5222% | 5,408 |
| Retained earnings to average equity (ytd only) | 1.5222% | 4,637 |
| Net charge-offs to loans | 0.1644% | 1,184 |
| Credit loss provision to net charge-offs | 57.1429% | 2,487 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,041 |
| Efficiency ratio | 86.5753% | 649 |
| Assets per employee ($millions) | 5.2448% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2978% | 5,669 |
| 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 | 66.3896% | 3,047 |
| Net loans and leases to deposits | 92.8385% | 1,378 |
| Net loans and leases to core deposits | 92.8385% | 2,264 |
| Total domestic deposits to total assets | 71.5108% | 5,482 |
| Equity capital to assets | 17.9034% | 331 |
| Core capital (leverage) ratio | 18.3254% | 288 |
| Tier 1 risk-based capital ratio | 79.7345% | 50 |
| Total risk-based capital ratio | 80.6083% | 51 |
| Memoranda: | ||
| Average total assets | $26,008,330 | 5,645 |
| Average earning assets | $25,088,670 | 5,618 |
| Average equity | $4,598,670 | 5,428 |
| Average total loans | $17,028,670 | 5,486 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 4,823 |
| Cost of funding earning assets | 0.5435% | 1,757 |
| Net interest margin | 2.9091% | 5,068 |
| Noninterest income to average assets | 0.0772% | 5,654 |
| Noninterest expense to average assets | 2.3783% | 4,183 |
| Loan and lease loss provision to assets | 0.0309% | 3,164 |
| Net operating income to assets | 0.4479% | 4,791 |
| Return on assets (ROA) | 0.4479% | 4,811 |
| Pretax return on assets | 0.4788% | 5,007 |
| Return on Equity (ROE) | 2.5492% | 5,216 |
| Retained earnings to average equity (ytd only) | 2.5492% | 4,121 |
| Net charge-offs to loans | 0.3331% | 551 |
| Credit loss provision to net charge-offs | 14.2857% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.3571% | 2,601 |
| Efficiency ratio | 82.3529% | 1,129 |
| Assets per employee ($millions) | 5.1716% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2667% | 5,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 5,081 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.5210% | 2,895 |
| Net loans and leases to deposits | 90.5173% | 1,475 |
| Net loans and leases to core deposits | 90.5173% | 2,310 |
| Total domestic deposits to total assets | 73.4898% | 5,454 |
| Equity capital to assets | 17.7315% | 321 |
| Core capital (leverage) ratio | 18.4497% | 262 |
| Tier 1 risk-based capital ratio | 77.8289% | 54 |
| Total risk-based capital ratio | 78.5843% | 54 |
| Memoranda: | ||
| Average total assets | $25,900,500 | 5,718 |
| Average earning assets | $25,024,500 | 5,686 |
| Average equity | $4,550,500 | 5,492 |
| Average total loans | $16,812,000 | 5,555 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1937% | 5,312 |
| Cost of funding earning assets | 0.5782% | 1,495 |
| Net interest margin | 2.6155% | 5,498 |
| Noninterest income to average assets | 0.0885% | 5,675 |
| Noninterest expense to average assets | 2.1564% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2986% | 5,224 |
| Return on assets (ROA) | 0.2986% | 5,291 |
| Pretax return on assets | 0.4497% | 5,120 |
| Return on Equity (ROE) | 1.7351% | 5,451 |
| Retained earnings to average equity (ytd only) | 1.7351% | 4,541 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7440% | 1,120 |
| Assets per employee ($millions) | 5.1886% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3542% | 5,767 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 5,384 |
| Noncurrent loans to loans | 0.0122% | 5,234 |
| Net loans and leases to total assets | 62.9033% | 3,489 |
| Net loans and leases to deposits | 85.2034% | 2,277 |
| Net loans and leases to core deposits | 85.2034% | 2,911 |
| Total domestic deposits to total assets | 73.8272% | 5,454 |
| Equity capital to assets | 17.4074% | 342 |
| Core capital (leverage) ratio | 17.9984% | 287 |
| Tier 1 risk-based capital ratio | 79.2662% | 50 |
| Total risk-based capital ratio | 80.2423% | 50 |
| Memoranda: | ||
| Average total assets | $27,128,400 | 5,756 |
| Average earning assets | $26,113,800 | 5,723 |
| Average equity | $4,668,200 | 5,530 |
| Average total loans | $14,602,800 | 5,670 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7946% | 5,716 |
| Cost of funding earning assets | 0.5205% | 1,935 |
| Net interest margin | 2.2742% | 5,790 |
| Noninterest income to average assets | 0.0778% | 5,771 |
| Noninterest expense to average assets | 1.8572% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2423% | 5,401 |
| Return on assets (ROA) | 0.3014% | 5,366 |
| Pretax return on assets | 0.5008% | 5,120 |
| Return on Equity (ROE) | 1.7564% | 5,516 |
| Retained earnings to average equity (ytd only) | 1.7564% | 4,802 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9742% | 1,192 |
| Assets per employee ($millions) | 5.2330% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3638% | 5,823 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 5,501 |
| Noncurrent loans to loans | 0.0125% | 5,352 |
| Net loans and leases to total assets | 60.7032% | 3,781 |
| Net loans and leases to deposits | 83.3054% | 2,571 |
| Net loans and leases to core deposits | 83.3054% | 3,189 |
| Total domestic deposits to total assets | 72.8683% | 5,535 |
| Equity capital to assets | 18.2572% | 320 |
| Core capital (leverage) ratio | 17.5478% | 330 |
| Tier 1 risk-based capital ratio | 92.7855% | 43 |
| Total risk-based capital ratio | 93.9257% | 43 |
| Memoranda: | ||
| Average total assets | $27,424,750 | 5,817 |
| Average earning assets | $26,383,000 | 5,779 |
| Average equity | $4,706,250 | 5,581 |
| Average total loans | $14,159,250 | 5,735 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 5,437 |
| Cost of funding earning assets | 0.5836% | 1,443 |
| Net interest margin | 2.6113% | 5,657 |
| Noninterest income to average assets | 0.0862% | 5,820 |
| Noninterest expense to average assets | 2.0614% | 5,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3362% | 5,222 |
| Return on assets (ROA) | 0.3591% | 5,247 |
| Pretax return on assets | 0.5674% | 4,980 |
| Return on Equity (ROE) | 2.1355% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.1355% | 4,502 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5014% | 1,561 |
| Assets per employee ($millions) | 5.4910% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4143% | 5,869 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,625 |
| Noncurrent loans to loans | 0.0071% | 5,480 |
| Net loans and leases to total assets | 50.7740% | 4,785 |
| Net loans and leases to deposits | 70.3082% | 3,957 |
| Net loans and leases to core deposits | 70.3082% | 4,300 |
| Total domestic deposits to total assets | 72.2164% | 5,658 |
| Equity capital to assets | 17.6762% | 365 |
| Core capital (leverage) ratio | 17.0841% | 360 |
| Tier 1 risk-based capital ratio | 93.4865% | 46 |
| Total risk-based capital ratio | 94.6454% | 46 |
| Memoranda: | ||
| Average total assets | $27,844,670 | 5,884 |
| Average earning assets | $26,729,670 | 5,846 |
| Average equity | $4,682,670 | 5,646 |
| Average total loans | $13,565,330 | 5,828 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9677% | 5,719 |
| Cost of funding earning assets | 0.5816% | 1,468 |
| Net interest margin | 2.3861% | 5,881 |
| Noninterest income to average assets | 0.0713% | 5,901 |
| Noninterest expense to average assets | 1.9970% | 5,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2568% | 5,422 |
| Return on assets (ROA) | 0.2568% | 5,490 |
| Pretax return on assets | 0.3566% | 5,385 |
| Return on Equity (ROE) | 1.5656% | 5,600 |
| Retained earnings to average equity (ytd only) | 1.5656% | 4,643 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8485% | 1,083 |
| Assets per employee ($millions) | 5.6936% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4335% | 5,924 |
| Loan loss allowance to noncurrent loans | 214.8148% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 5,203 |
| Noncurrent loans to loans | 0.2018% | 4,697 |
| Net loans and leases to total assets | 46.7894% | 5,064 |
| Net loans and leases to deposits | 65.1122% | 4,330 |
| Net loans and leases to core deposits | 65.1122% | 4,612 |
| Total domestic deposits to total assets | 71.8596% | 5,781 |
| Equity capital to assets | 16.6503% | 456 |
| Core capital (leverage) ratio | 16.8636% | 383 |
| Tier 1 risk-based capital ratio | 109.4362% | 41 |
| Total risk-based capital ratio | 110.6865% | 41 |
| Memoranda: | ||
| Average total assets | $28,042,000 | 5,942 |
| Average earning assets | $26,822,000 | 5,904 |
| Average equity | $4,599,000 | 5,705 |
| Average total loans | $13,349,000 | 5,890 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0784% | 5,661 |
| Cost of funding earning assets | 0.6358% | 1,148 |
| Net interest margin | 2.4427% | 5,867 |
| Noninterest income to average assets | 0.0933% | 5,892 |
| Noninterest expense to average assets | 1.9456% | 5,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3697% | 5,145 |
| Return on assets (ROA) | 0.6318% | 4,223 |
| Pretax return on assets | 0.8651% | 3,973 |
| Return on Equity (ROE) | 3.9474% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.9474% | 3,225 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3558% | 1,769 |
| Assets per employee ($millions) | 5.5232% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4354% | 5,973 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 5,682 |
| Noncurrent loans to loans | 0.0150% | 5,472 |
| Net loans and leases to total assets | 48.0229% | 5,012 |
| Net loans and leases to deposits | 66.6834% | 4,253 |
| Net loans and leases to core deposits | 66.6834% | 4,531 |
| Total domestic deposits to total assets | 72.0162% | 5,798 |
| Equity capital to assets | 16.1428% | 502 |
| Core capital (leverage) ratio | 16.8283% | 383 |
| Tier 1 risk-based capital ratio | 86.9206% | 45 |
| Total risk-based capital ratio | 88.0090% | 45 |
| Memoranda: | ||
| Average total assets | $27,857,800 | 5,991 |
| Average earning assets | $26,897,000 | 5,951 |
| Average equity | $4,458,600 | 5,766 |
| Average total loans | $14,012,600 | 5,924 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0196% | 5,794 |
| Cost of funding earning assets | 0.6425% | 1,137 |
| Net interest margin | 2.3772% | 5,985 |
| Noninterest income to average assets | 0.0764% | 6,024 |
| Noninterest expense to average assets | 1.9151% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3247% | 5,386 |
| Return on assets (ROA) | 0.6591% | 4,203 |
| Pretax return on assets | 0.9361% | 3,862 |
| Return on Equity (ROE) | 4.1267% | 4,984 |
| Retained earnings to average equity (ytd only) | 4.1267% | 3,532 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6841% | 1,559 |
| Assets per employee ($millions) | 5.4538% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4286% | 6,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 49.4078% | 4,977 |
| Net loans and leases to deposits | 69.0003% | 4,091 |
| Net loans and leases to core deposits | 69.0003% | 4,458 |
| Total domestic deposits to total assets | 71.6051% | 5,891 |
| Equity capital to assets | 16.3482% | 518 |
| Core capital (leverage) ratio | 16.3496% | 444 |
| Tier 1 risk-based capital ratio | 26.3320% | 740 |
| Total risk-based capital ratio | 26.6636% | 798 |
| Memoranda: | ||
| Average total assets | $27,918,250 | 6,074 |
| Average earning assets | $26,978,500 | 6,034 |
| Average equity | $4,458,750 | 5,844 |
| Average total loans | $14,185,750 | 5,995 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0731% | 5,770 |
| Cost of funding earning assets | 0.6412% | 1,157 |
| Net interest margin | 2.4320% | 6,023 |
| Noninterest income to average assets | 0.0924% | 6,052 |
| Noninterest expense to average assets | 2.0331% | 5,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1990% | 5,693 |
| Return on assets (ROA) | 0.6540% | 4,210 |
| Pretax return on assets | 1.1161% | 3,107 |
| Return on Equity (ROE) | 4.1265% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.1265% | 3,395 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3819% | 1,332 |
| Assets per employee ($millions) | 5.5604% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4165% | 6,156 |
| 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 | 49.8849% | 4,941 |
| Net loans and leases to deposits | 70.2868% | 3,898 |
| Net loans and leases to core deposits | 70.2868% | 4,303 |
| Total domestic deposits to total assets | 70.9733% | 5,988 |
| Equity capital to assets | 15.4305% | 619 |
| Core capital (leverage) ratio | 16.0643% | 456 |
| Tier 1 risk-based capital ratio | 25.2436% | 839 |
| Total risk-based capital ratio | 25.5647% | 916 |
| Memoranda: | ||
| Average total assets | $28,134,670 | 6,140 |
| Average earning assets | $27,138,330 | 6,094 |
| Average equity | $4,459,000 | 5,903 |
| Average total loans | $14,404,000 | 6,046 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2780% | 5,498 |
| Cost of funding earning assets | 0.6439% | 1,161 |
| Net interest margin | 2.6341% | 5,884 |
| Noninterest income to average assets | 0.0989% | 6,090 |
| Noninterest expense to average assets | 1.8934% | 5,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4931% | 4,714 |
| Return on assets (ROA) | 1.1728% | 1,728 |
| Pretax return on assets | 1.7945% | 874 |
| Return on Equity (ROE) | 7.2951% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.2951% | 1,862 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6578% | 3,225 |
| Assets per employee ($millions) | 5.6750% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4034% | 6,237 |
| 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 | 50.4634% | 4,798 |
| Net loans and leases to deposits | 71.7529% | 3,557 |
| Net loans and leases to core deposits | 71.7529% | 3,991 |
| Total domestic deposits to total assets | 70.3295% | 6,112 |
| Equity capital to assets | 16.1339% | 530 |
| Core capital (leverage) ratio | 16.0139% | 462 |
| Tier 1 risk-based capital ratio | 121.3276% | 45 |
| Total risk-based capital ratio | 122.5540% | 45 |
| Memoranda: | ||
| Average total assets | $28,308,500 | 6,200 |
| Average earning assets | $27,334,000 | 6,156 |
| Average equity | $4,551,000 | 5,940 |
| Average total loans | $14,642,500 | 6,095 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4591% | 5,419 |
| Cost of funding earning assets | 0.6631% | 1,313 |
| Net interest margin | 2.7960% | 5,813 |
| Noninterest income to average assets | 0.0764% | 6,227 |
| Noninterest expense to average assets | 1.8813% | 5,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5740% | 4,487 |
| Return on assets (ROA) | 0.9094% | 2,920 |
| Pretax return on assets | 1.4266% | 1,794 |
| Return on Equity (ROE) | 5.9033% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.9033% | 1,982 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5810% | 3,967 |
| Assets per employee ($millions) | 5.6484% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3891% | 6,328 |
| 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 | 52.5813% | 4,730 |
| Net loans and leases to deposits | 74.7057% | 3,349 |
| Net loans and leases to core deposits | 74.7057% | 3,849 |
| Total domestic deposits to total assets | 70.3845% | 6,177 |
| Equity capital to assets | 16.0187% | 531 |
| Core capital (leverage) ratio | 15.5422% | 525 |
| Tier 1 risk-based capital ratio | 136.3028% | 35 |
| Total risk-based capital ratio | 138.0663% | 35 |
| Memoranda: | ||
| Average total assets | $28,810,200 | 6,268 |
| Average earning assets | $27,897,400 | 6,222 |
| Average equity | $4,438,200 | 6,001 |
| Average total loans | $15,403,000 | 6,153 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5184% | 5,352 |
| Cost of funding earning assets | 0.6600% | 1,391 |
| Net interest margin | 2.8584% | 5,782 |
| Noninterest income to average assets | 0.0783% | 6,308 |
| Noninterest expense to average assets | 1.8513% | 6,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6625% | 4,145 |
| Return on assets (ROA) | 0.9026% | 2,995 |
| Pretax return on assets | 1.3631% | 2,147 |
| Return on Equity (ROE) | 5.9168% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.9168% | 2,461 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9435% | 4,380 |
| Assets per employee ($millions) | 4.6938% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3838% | 6,421 |
| Loan loss allowance to noncurrent loans | 1,933.3333% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 5,544 |
| Noncurrent loans to loans | 0.0199% | 5,948 |
| Net loans and leases to total assets | 53.4531% | 4,642 |
| Net loans and leases to deposits | 76.4667% | 3,132 |
| Net loans and leases to core deposits | 76.4667% | 3,691 |
| Total domestic deposits to total assets | 69.9038% | 6,289 |
| Equity capital to assets | 16.1879% | 535 |
| Core capital (leverage) ratio | 15.2376% | 586 |
| Tier 1 risk-based capital ratio | 127.0270% | 40 |
| Total risk-based capital ratio | 128.2921% | 40 |
| Memoranda: | ||
| Average total assets | $28,952,250 | 6,342 |
| Average earning assets | $28,080,500 | 6,293 |
| Average equity | $4,416,750 | 6,068 |
| Average total loans | $15,526,750 | 6,213 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5356% | 5,326 |
| Cost of funding earning assets | 0.6845% | 1,276 |
| Net interest margin | 2.8510% | 5,816 |
| Noninterest income to average assets | 0.0685% | 6,381 |
| Noninterest expense to average assets | 2.3207% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3149% | 5,515 |
| Return on assets (ROA) | 0.3149% | 5,593 |
| Pretax return on assets | 0.5134% | 5,239 |
| Return on Equity (ROE) | 2.1056% | 5,816 |
| Retained earnings to average equity (ytd only) | 2.1056% | 4,842 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8841% | 1,758 |
| Assets per employee ($millions) | 4.8183% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3739% | 6,500 |
| Loan loss allowance to noncurrent loans | 1,160.0000% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 5,664 |
| Noncurrent loans to loans | 0.0322% | 5,963 |
| Net loans and leases to total assets | 53.4556% | 4,601 |
| Net loans and leases to deposits | 75.3413% | 3,149 |
| Net loans and leases to core deposits | 75.3413% | 3,700 |
| Total domestic deposits to total assets | 70.9512% | 6,315 |
| Equity capital to assets | 15.4860% | 618 |
| Core capital (leverage) ratio | 14.6266% | 669 |
| Tier 1 risk-based capital ratio | 118.5679% | 42 |
| Total risk-based capital ratio | 119.8168% | 42 |
| Memoranda: | ||
| Average total assets | $29,215,330 | 6,397 |
| Average earning assets | $28,340,670 | 6,348 |
| Average equity | $4,369,330 | 6,120 |
| Average total loans | $15,665,000 | 6,266 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 5,417 |
| Cost of funding earning assets | 0.6892% | 1,306 |
| Net interest margin | 2.8129% | 5,909 |
| Noninterest income to average assets | 0.0545% | 6,477 |
| Noninterest expense to average assets | 2.3972% | 4,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2043% | 5,788 |
| Return on assets (ROA) | 0.2043% | 5,839 |
| Pretax return on assets | 0.3814% | 5,511 |
| Return on Equity (ROE) | 1.3903% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.3903% | 5,058 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2745% | 1,422 |
| Assets per employee ($millions) | 4.8878% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3720% | 6,575 |
| Loan loss allowance to noncurrent loans | 175.7576% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 5,916 |
| Noncurrent loans to loans | 0.2117% | 5,459 |
| Net loans and leases to total assets | 52.9648% | 4,547 |
| Net loans and leases to deposits | 75.1076% | 2,930 |
| Net loans and leases to core deposits | 75.1076% | 3,515 |
| Total domestic deposits to total assets | 70.5186% | 6,432 |
| Equity capital to assets | 14.6623% | 745 |
| Core capital (leverage) ratio | 14.4342% | 709 |
| Tier 1 risk-based capital ratio | 117.3407% | 44 |
| Total risk-based capital ratio | 118.5873% | 44 |
| Memoranda: | ||
| Average total assets | $29,368,000 | 6,463 |
| Average earning assets | $28,440,000 | 6,411 |
| Average equity | $4,315,500 | 6,177 |
| Average total loans | $15,741,500 | 6,318 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 5,888 |
| Cost of funding earning assets | 0.7769% | 1,339 |
| Net interest margin | 2.5977% | 6,265 |
| Noninterest income to average assets | 0.1292% | 6,280 |
| Noninterest expense to average assets | 1.9040% | 6,186 |
| Loan and lease loss provision to assets | 0.0136% | 4,852 |
| Net operating income to assets | 0.5182% | 4,661 |
| Return on assets (ROA) | 0.5916% | 4,414 |
| Pretax return on assets | 0.8262% | 4,049 |
| Return on Equity (ROE) | 3.9517% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.9517% | 3,391 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0721% | 3,459 |
| Assets per employee ($millions) | 4.9015% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3650% | 6,659 |
| Loan loss allowance to noncurrent loans | 156.7568% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 5,944 |
| Noncurrent loans to loans | 0.2328% | 5,485 |
| Net loans and leases to total assets | 53.8407% | 4,598 |
| Net loans and leases to deposits | 76.4706% | 2,919 |
| Net loans and leases to core deposits | 76.4706% | 3,561 |
| Total domestic deposits to total assets | 70.4070% | 6,506 |
| Equity capital to assets | 14.7268% | 730 |
| Core capital (leverage) ratio | 14.3746% | 725 |
| Tier 1 risk-based capital ratio | 22.8965% | 1,111 |
| Total risk-based capital ratio | 23.2107% | 1,245 |
| Memoranda: | ||
| Average total assets | $29,411,800 | 6,527 |
| Average earning assets | $28,448,200 | 6,480 |
| Average equity | $4,403,200 | 6,234 |
| Average total loans | $15,737,000 | 6,386 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3967% | 5,881 |
| Cost of funding earning assets | 0.7976% | 1,340 |
| Net interest margin | 2.5992% | 6,316 |
| Noninterest income to average assets | 0.1360% | 6,344 |
| Noninterest expense to average assets | 1.8858% | 6,207 |
| Loan and lease loss provision to assets | 0.0181% | 4,656 |
| Net operating income to assets | 0.5621% | 4,517 |
| Return on assets (ROA) | 0.5621% | 4,670 |
| Pretax return on assets | 0.7434% | 4,515 |
| Return on Equity (ROE) | 3.7394% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.7394% | 4,030 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2329% | 3,566 |
| Assets per employee ($millions) | 4.8277% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3760% | 6,734 |
| Loan loss allowance to noncurrent loans | 181.2500% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 5,341 |
| Noncurrent loans to loans | 0.2074% | 5,725 |
| Net loans and leases to total assets | 53.0588% | 4,744 |
| Net loans and leases to deposits | 76.0239% | 2,963 |
| Net loans and leases to core deposits | 76.0239% | 3,612 |
| Total domestic deposits to total assets | 69.7922% | 6,610 |
| Equity capital to assets | 14.9555% | 721 |
| Core capital (leverage) ratio | 14.1745% | 830 |
| Tier 1 risk-based capital ratio | 113.4040% | 44 |
| Total risk-based capital ratio | 114.6547% | 43 |
| Memoranda: | ||
| Average total assets | $29,412,500 | 6,604 |
| Average earning assets | $28,418,750 | 6,549 |
| Average equity | $4,421,250 | 6,302 |
| Average total loans | $15,698,250 | 6,449 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 5,535 |
| Cost of funding earning assets | 0.8184% | 1,314 |
| Net interest margin | 2.7490% | 6,096 |
| Noninterest income to average assets | 0.0541% | 6,661 |
| Noninterest expense to average assets | 1.9823% | 6,080 |
| Loan and lease loss provision to assets | 0.0271% | 4,383 |
| Net operating income to assets | 0.2909% | 5,627 |
| Return on assets (ROA) | 0.2909% | 5,775 |
| Pretax return on assets | 0.7036% | 4,674 |
| Return on Equity (ROE) | 1.9322% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.9322% | 5,038 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0673% | 3,293 |
| Assets per employee ($millions) | 4.8750% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3825% | 6,783 |
| Loan loss allowance to noncurrent loans | 187.0968% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 5,230 |
| Noncurrent loans to loans | 0.2044% | 5,797 |
| Net loans and leases to total assets | 51.6410% | 4,911 |
| Net loans and leases to deposits | 74.2188% | 3,122 |
| Net loans and leases to core deposits | 74.2188% | 3,779 |
| Total domestic deposits to total assets | 69.5795% | 6,672 |
| Equity capital to assets | 15.0188% | 710 |
| Core capital (leverage) ratio | 13.8513% | 865 |
| Tier 1 risk-based capital ratio | 107.8767% | 45 |
| Total risk-based capital ratio | 109.1412% | 44 |
| Memoranda: | ||
| Average total assets | $29,561,330 | 6,648 |
| Average earning assets | $28,592,000 | 6,595 |
| Average equity | $4,451,000 | 6,342 |
| Average total loans | $15,788,670 | 6,485 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 5,514 |
| Cost of funding earning assets | 0.8626% | 1,190 |
| Net interest margin | 2.7130% | 6,200 |
| Noninterest income to average assets | 0.0673% | 6,678 |
| Noninterest expense to average assets | 1.8710% | 6,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4173% | 5,058 |
| Return on assets (ROA) | 0.4173% | 5,209 |
| Pretax return on assets | 0.8211% | 4,080 |
| Return on Equity (ROE) | 2.7679% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.7679% | 4,624 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5000% | 4,056 |
| Assets per employee ($millions) | 4.9607% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3492% | 6,877 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 5,533 |
| Noncurrent loans to loans | 0.1940% | 5,917 |
| Net loans and leases to total assets | 51.7773% | 4,738 |
| Net loans and leases to deposits | 74.4025% | 2,869 |
| Net loans and leases to core deposits | 74.4025% | 3,530 |
| Total domestic deposits to total assets | 69.5908% | 6,770 |
| Equity capital to assets | 15.1122% | 730 |
| Core capital (leverage) ratio | 13.7888% | 855 |
| Tier 1 risk-based capital ratio | 109.8762% | 43 |
| Total risk-based capital ratio | 111.1410% | 43 |
| Memoranda: | ||
| Average total assets | $29,717,000 | 6,717 |
| Average earning assets | $28,750,500 | 6,654 |
| Average equity | $4,480,000 | 6,396 |
| Average total loans | $16,101,500 | 6,531 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8192% | 5,779 |
| Cost of funding earning assets | 1.0102% | 1,301 |
| Net interest margin | 2.8089% | 6,374 |
| Noninterest income to average assets | 0.0578% | 6,662 |
| Noninterest expense to average assets | 1.8872% | 6,508 |
| Loan and lease loss provision to assets | 0.0476% | 5,229 |
| Net operating income to assets | 0.5500% | 4,478 |
| Return on assets (ROA) | 0.6869% | 4,058 |
| Pretax return on assets | 1.0439% | 3,378 |
| Return on Equity (ROE) | 4.6610% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.6610% | 2,932 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0982% | 4,126 |
| Assets per employee ($millions) | 4.9450% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3226% | 6,936 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 5,906 |
| Noncurrent loans to loans | 0.0060% | 6,566 |
| Net loans and leases to total assets | 56.2319% | 4,248 |
| Net loans and leases to deposits | 80.8647% | 2,166 |
| Net loans and leases to core deposits | 80.8647% | 2,892 |
| Total domestic deposits to total assets | 69.5383% | 6,804 |
| Equity capital to assets | 15.0388% | 724 |
| Core capital (leverage) ratio | 13.6873% | 889 |
| Tier 1 risk-based capital ratio | 109.7508% | 48 |
| Total risk-based capital ratio | 110.9967% | 48 |
| Memoranda: | ||
| Average total assets | $29,408,600 | 6,767 |
| Average earning assets | $28,409,400 | 6,705 |
| Average equity | $4,333,800 | 6,482 |
| Average total loans | $15,111,200 | 6,651 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 6,036 |
| Cost of funding earning assets | 1.0445% | 1,308 |
| Net interest margin | 2.7525% | 6,576 |
| Noninterest income to average assets | 0.0500% | 6,805 |
| Noninterest expense to average assets | 1.8493% | 6,615 |
| Loan and lease loss provision to assets | 0.0454% | 5,206 |
| Net operating income to assets | 0.5257% | 4,729 |
| Return on assets (ROA) | 0.5907% | 4,702 |
| Pretax return on assets | 0.9133% | 4,053 |
| Return on Equity (ROE) | 4.0293% | 5,281 |
| Retained earnings to average equity (ytd only) | 4.0293% | 4,053 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2886% | 4,000 |
| Assets per employee ($millions) | 4.9100% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3117% | 7,052 |
| Loan loss allowance to noncurrent loans | 63.2911% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 6,028 |
| Noncurrent loans to loans | 0.4924% | 5,460 |
| Net loans and leases to total assets | 54.2872% | 4,711 |
| Net loans and leases to deposits | 78.5858% | 2,586 |
| Net loans and leases to core deposits | 78.5858% | 3,378 |
| Total domestic deposits to total assets | 69.0801% | 6,881 |
| Equity capital to assets | 14.9864% | 824 |
| Core capital (leverage) ratio | 13.4701% | 1,023 |
| Tier 1 risk-based capital ratio | 104.0795% | 51 |
| Total risk-based capital ratio | 105.3347% | 51 |
| Memoranda: | ||
| Average total assets | $29,343,250 | 6,856 |
| Average earning assets | $28,337,250 | 6,796 |
| Average equity | $4,301,750 | 6,566 |
| Average total loans | $14,704,500 | 6,760 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 5,986 |
| Cost of funding earning assets | 1.0807% | 1,309 |
| Net interest margin | 2.7900% | 6,597 |
| Noninterest income to average assets | 0.0546% | 6,842 |
| Noninterest expense to average assets | 1.8769% | 6,646 |
| Loan and lease loss provision to assets | 0.0682% | 4,773 |
| Net operating income to assets | 0.3464% | 5,448 |
| Return on assets (ROA) | 0.7439% | 3,907 |
| Pretax return on assets | 1.4264% | 2,100 |
| Return on Equity (ROE) | 5.1126% | 4,754 |
| Retained earnings to average equity (ytd only) | 5.1126% | 3,215 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2382% | 4,079 |
| Assets per employee ($millions) | 4.9662% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3245% | 7,110 |
| Loan loss allowance to noncurrent loans | 64.1026% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 6,121 |
| Noncurrent loans to loans | 0.5062% | 5,519 |
| Net loans and leases to total assets | 51.5488% | 5,149 |
| Net loans and leases to deposits | 74.8574% | 3,148 |
| Net loans and leases to core deposits | 74.8574% | 3,910 |
| Total domestic deposits to total assets | 68.8626% | 6,957 |
| Equity capital to assets | 14.6693% | 864 |
| Core capital (leverage) ratio | 13.2495% | 1,071 |
| Tier 1 risk-based capital ratio | 90.1522% | 51 |
| Total risk-based capital ratio | 91.3054% | 51 |
| Memoranda: | ||
| Average total assets | $29,304,330 | 6,908 |
| Average earning assets | $28,315,330 | 6,842 |
| Average equity | $4,264,000 | 6,608 |
| Average total loans | $14,258,330 | 6,833 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4429% | 7,185 |
| Cost of funding earning assets | 0.7429% | 3,917 |
| Net interest margin | 1.7000% | 7,218 |
| Noninterest income to average assets | 0.0275% | 7,025 |
| Noninterest expense to average assets | 1.2802% | 7,181 |
| Loan and lease loss provision to assets | 0.0688% | 4,550 |
| Net operating income to assets | 0.0435% | 6,343 |
| Return on assets (ROA) | 0.7571% | 3,824 |
| Pretax return on assets | 1.4316% | 2,085 |
| Return on Equity (ROE) | 5.2250% | 4,681 |
| Retained earnings to average equity (ytd only) | 5.2250% | 3,420 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8595% | 2,670 |
| Assets per employee ($millions) | 4.9137% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3037% | 7,175 |
| Loan loss allowance to noncurrent loans | 56.2500% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 6,214 |
| Noncurrent loans to loans | 0.5400% | 5,579 |
| Net loans and leases to total assets | 50.0984% | 5,288 |
| Net loans and leases to deposits | 72.3098% | 3,385 |
| Net loans and leases to core deposits | 72.3098% | 4,102 |
| Total domestic deposits to total assets | 69.2830% | 7,010 |
| Equity capital to assets | 14.3342% | 911 |
| Core capital (leverage) ratio | 13.1872% | 1,061 |
| Tier 1 risk-based capital ratio | 75.2100% | 59 |
| Total risk-based capital ratio | 76.0891% | 59 |
| Memoranda: | ||
| Average total assets | $29,058,000 | 6,976 |
| Average earning assets | $28,000,000 | 6,906 |
| Average equity | $4,210,500 | 6,661 |
| Average total loans | $13,682,500 | 6,913 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 6,171 |
| Cost of funding earning assets | 1.2876% | 1,539 |
| Net interest margin | 2.8695% | 6,737 |
| Noninterest income to average assets | 0.0530% | 6,819 |
| Noninterest expense to average assets | 2.0384% | 6,609 |
| Loan and lease loss provision to assets | 0.0283% | 6,218 |
| Net operating income to assets | 0.5048% | 4,406 |
| Return on assets (ROA) | 0.6465% | 3,949 |
| Pretax return on assets | 0.9503% | 3,425 |
| Return on Equity (ROE) | 4.6598% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.6598% | 2,879 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5786% | 3,469 |
| Assets per employee ($millions) | 4.0906% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3187% | 7,209 |
| 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 | 43.6893% | 6,237 |
| Net loans and leases to deposits | 63.7290% | 5,044 |
| Net loans and leases to core deposits | 63.7290% | 5,491 |
| Total domestic deposits to total assets | 68.5549% | 7,047 |
| Equity capital to assets | 14.6504% | 858 |
| Core capital (leverage) ratio | 13.3563% | 1,020 |
| Tier 1 risk-based capital ratio | 22.5736% | 1,153 |
| Total risk-based capital ratio | 22.8113% | 1,276 |
| Memoranda: | ||
| Average total assets | $28,306,200 | 7,017 |
| Average earning assets | $27,182,800 | 6,953 |
| Average equity | $3,927,200 | 6,772 |
| Average total loans | $11,669,600 | 7,049 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 6,396 |
| Cost of funding earning assets | 1.3136% | 1,631 |
| Net interest margin | 2.7944% | 6,892 |
| Noninterest income to average assets | 0.0520% | 6,947 |
| Noninterest expense to average assets | 2.0266% | 6,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4832% | 4,612 |
| Return on assets (ROA) | 0.5763% | 4,375 |
| Pretax return on assets | 0.8456% | 3,963 |
| Return on Equity (ROE) | 4.2137% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.2137% | 3,734 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0933% | 3,160 |
| Assets per employee ($millions) | 4.0699% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2572% | 7,309 |
| 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 | 43.5642% | 6,373 |
| Net loans and leases to deposits | 63.5712% | 5,230 |
| Net loans and leases to core deposits | 63.5712% | 5,669 |
| Total domestic deposits to total assets | 68.5282% | 7,114 |
| Equity capital to assets | 14.4723% | 1,002 |
| Core capital (leverage) ratio | 13.1175% | 1,183 |
| Tier 1 risk-based capital ratio | 77.9221% | 69 |
| Total risk-based capital ratio | 78.5924% | 69 |
| Memoranda: | ||
| Average total assets | $28,224,250 | 7,089 |
| Average earning assets | $27,100,750 | 7,024 |
| Average equity | $3,860,250 | 6,844 |
| Average total loans | $11,449,500 | 7,126 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 6,532 |
| Cost of funding earning assets | 1.3473% | 1,663 |
| Net interest margin | 2.7317% | 6,993 |
| Noninterest income to average assets | 0.0640% | 6,981 |
| Noninterest expense to average assets | 2.1254% | 6,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3730% | 5,068 |
| Return on assets (ROA) | 0.4763% | 4,753 |
| Pretax return on assets | 0.7179% | 4,326 |
| Return on Equity (ROE) | 3.5519% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.5519% | 3,977 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1005% | 2,539 |
| Assets per employee ($millions) | 3.9790% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2759% | 7,362 |
| 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 | 41.5251% | 6,624 |
| Net loans and leases to deposits | 59.6032% | 5,767 |
| Net loans and leases to core deposits | 59.6032% | 6,124 |
| Total domestic deposits to total assets | 69.6693% | 7,132 |
| Equity capital to assets | 13.5066% | 1,289 |
| Core capital (leverage) ratio | 13.0198% | 1,155 |
| Tier 1 risk-based capital ratio | 76.2110% | 70 |
| Total risk-based capital ratio | 76.8678% | 70 |
| Memoranda: | ||
| Average total assets | $28,136,000 | 7,156 |
| Average earning assets | $27,016,330 | 7,090 |
| Average equity | $3,772,670 | 6,910 |
| Average total loans | $11,118,330 | 7,212 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 6,853 |
| Cost of funding earning assets | 1.4143% | 1,539 |
| Net interest margin | 2.4603% | 7,220 |
| Noninterest income to average assets | 0.0707% | 7,035 |
| Noninterest expense to average assets | 2.3199% | 6,138 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0668% | 6,190 |
| Return on assets (ROA) | 0.0849% | 6,184 |
| Pretax return on assets | 0.1415% | 6,072 |
| Return on Equity (ROE) | 0.6353% | 6,239 |
| Retained earnings to average equity (ytd only) | 0.6353% | 5,578 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3488% | 960 |
| Assets per employee ($millions) | 4.0997% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2967% | 7,407 |
| 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 | 37.4765% | 6,933 |
| Net loans and leases to deposits | 53.0901% | 6,376 |
| Net loans and leases to core deposits | 53.0901% | 6,617 |
| Total domestic deposits to total assets | 70.5903% | 7,150 |
| Equity capital to assets | 13.3075% | 1,260 |
| Core capital (leverage) ratio | 12.6707% | 1,255 |
| Tier 1 risk-based capital ratio | 69.7854% | 79 |
| Total risk-based capital ratio | 70.4040% | 79 |
| Memoranda: | ||
| Average total assets | $28,277,500 | 7,205 |
| Average earning assets | $27,151,000 | 7,129 |
| Average equity | $3,778,000 | 6,941 |
| Average total loans | $10,878,500 | 7,280 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4748% | 6,458 |
| Cost of funding earning assets | 1.8201% | 1,098 |
| Net interest margin | 2.6547% | 7,167 |
| Noninterest income to average assets | 0.0688% | 7,028 |
| Noninterest expense to average assets | 2.2044% | 6,598 |
| Loan and lease loss provision to assets | 0.0652% | 6,491 |
| Net operating income to assets | 0.2878% | 4,971 |
| Return on assets (ROA) | 0.3547% | 4,887 |
| Pretax return on assets | 0.4235% | 4,874 |
| Return on Equity (ROE) | 2.6107% | 5,125 |
| Retained earnings to average equity (ytd only) | 2.6107% | 4,035 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3490% | 1,882 |
| Assets per employee ($millions) | 4.6428% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2917% | 7,488 |
| 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 | 39.2648% | 7,011 |
| Net loans and leases to deposits | 56.1643% | 6,431 |
| Net loans and leases to core deposits | 56.1643% | 6,686 |
| Total domestic deposits to total assets | 69.9106% | 7,240 |
| Equity capital to assets | 13.4149% | 1,212 |
| Core capital (leverage) ratio | 13.0682% | 1,108 |
| Tier 1 risk-based capital ratio | 73.8881% | 71 |
| Total risk-based capital ratio | 74.5440% | 71 |
| Memoranda: | ||
| Average total assets | $27,627,000 | 7,271 |
| Average earning assets | $26,481,800 | 7,211 |
| Average equity | $3,753,800 | 7,071 |
| Average total loans | $12,059,600 | 7,302 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6299% | 6,256 |
| Cost of funding earning assets | 1.8782% | 1,094 |
| Net interest margin | 2.7517% | 7,178 |
| Noninterest income to average assets | 0.0629% | 7,211 |
| Noninterest expense to average assets | 2.1714% | 6,679 |
| Loan and lease loss provision to assets | 0.0871% | 6,176 |
| Net operating income to assets | 0.3806% | 4,833 |
| Return on assets (ROA) | 0.4014% | 4,920 |
| Pretax return on assets | 0.4642% | 5,029 |
| Return on Equity (ROE) | 2.9447% | 5,244 |
| Retained earnings to average equity (ytd only) | 2.9447% | 4,370 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4659% | 2,281 |
| Assets per employee ($millions) | 4.5878% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2682% | 7,608 |
| 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 | 43.2303% | 6,892 |
| Net loans and leases to deposits | 62.8532% | 6,039 |
| Net loans and leases to core deposits | 62.8532% | 6,387 |
| Total domestic deposits to total assets | 68.7797% | 7,340 |
| Equity capital to assets | 14.0989% | 1,138 |
| Core capital (leverage) ratio | 12.9748% | 1,240 |
| Tier 1 risk-based capital ratio | 68.6323% | 85 |
| Total risk-based capital ratio | 69.2470% | 85 |
| Memoranda: | ||
| Average total assets | $27,569,500 | 7,370 |
| Average earning assets | $26,407,250 | 7,303 |
| Average equity | $3,758,000 | 7,163 |
| Average total loans | $12,332,000 | 7,381 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 6,217 |
| Cost of funding earning assets | 1.9382% | 1,082 |
| Net interest margin | 2.7407% | 7,210 |
| Noninterest income to average assets | 0.0580% | 7,296 |
| Noninterest expense to average assets | 2.0737% | 6,973 |
| Loan and lease loss provision to assets | 0.0580% | 6,376 |
| Net operating income to assets | 0.3810% | 4,846 |
| Return on assets (ROA) | 0.4060% | 4,890 |
| Pretax return on assets | 0.5873% | 4,602 |
| Return on Equity (ROE) | 3.0132% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.0132% | 4,199 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2973% | 2,849 |
| Assets per employee ($millions) | 4.5577% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1788% | 7,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 44.9170% | 6,859 |
| Net loans and leases to deposits | 67.0396% | 5,679 |
| Net loans and leases to core deposits | 67.0396% | 6,150 |
| Total domestic deposits to total assets | 67.0007% | 7,484 |
| Equity capital to assets | 13.9216% | 1,195 |
| Core capital (leverage) ratio | 13.0107% | 1,208 |
| Tier 1 risk-based capital ratio | 71.3915% | 82 |
| Total risk-based capital ratio | 71.8307% | 84 |
| Memoranda: | ||
| Average total assets | $27,583,670 | 7,427 |
| Average earning assets | $26,416,330 | 7,356 |
| Average equity | $3,717,000 | 7,208 |
| Average total loans | $12,465,330 | 7,433 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 5,423 |
| Cost of funding earning assets | 2.0179% | 1,024 |
| Net interest margin | 2.8913% | 7,031 |
| Noninterest income to average assets | 0.0722% | 7,349 |
| Noninterest expense to average assets | 2.0070% | 7,148 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6931% | 3,470 |
| Return on assets (ROA) | 0.6931% | 3,585 |
| Pretax return on assets | 0.8375% | 3,721 |
| Return on Equity (ROE) | 5.2288% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.2288% | 3,026 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5584% | 4,204 |
| Assets per employee ($millions) | 4.6652% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1099% | 7,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.4432% | 6,879 |
| Net loans and leases to deposits | 70.3579% | 5,293 |
| Net loans and leases to core deposits | 70.3579% | 5,883 |
| Total domestic deposits to total assets | 64.5886% | 7,658 |
| Equity capital to assets | 13.3364% | 1,388 |
| Core capital (leverage) ratio | 12.8970% | 1,248 |
| Tier 1 risk-based capital ratio | 47.5434% | 168 |
| Total risk-based capital ratio | 47.7303% | 173 |
| Memoranda: | ||
| Average total assets | $27,702,500 | 7,515 |
| Average earning assets | $26,562,000 | 7,446 |
| Average equity | $3,672,000 | 7,296 |
| Average total loans | $12,545,500 | 7,524 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 6,738 |
| Cost of funding earning assets | 2.4308% | 1,208 |
| Net interest margin | 2.4574% | 7,468 |
| Noninterest income to average assets | 0.1092% | 7,220 |
| Noninterest expense to average assets | 2.0812% | 7,220 |
| Loan and lease loss provision to assets | 0.0182% | 7,321 |
| Net operating income to assets | 0.2547% | 4,703 |
| Return on assets (ROA) | 0.2547% | 4,785 |
| Pretax return on assets | 0.3638% | 4,600 |
| Return on Equity (ROE) | 1.9608% | 4,925 |
| Retained earnings to average equity (ytd only) | 1.9608% | 3,730 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4904% | 2,292 |
| Assets per employee ($millions) | 5.4828% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1376% | 7,904 |
| Loan loss allowance to noncurrent loans | 566.6667% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 7,504 |
| Noncurrent loans to loans | 0.0243% | 7,379 |
| Net loans and leases to total assets | 45.0135% | 7,054 |
| Net loans and leases to deposits | 69.8636% | 5,624 |
| Net loans and leases to core deposits | 78.6940% | 6,202 |
| Total domestic deposits to total assets | 64.4306% | 7,695 |
| Equity capital to assets | 13.1721% | 1,442 |
| Core capital (leverage) ratio | 12.7756% | 1,317 |
| Tier 1 risk-based capital ratio | 47.0525% | 178 |
| Total risk-based capital ratio | 47.2803% | 180 |
| Memoranda: | ||
| Average total assets | $27,484,200 | 7,567 |
| Average earning assets | $26,328,600 | 7,492 |
| Average equity | $3,570,000 | 7,427 |
| Average total loans | $12,720,400 | 7,564 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 6,978 |
| Cost of funding earning assets | 2.5252% | 1,222 |
| Net interest margin | 2.3379% | 7,609 |
| Noninterest income to average assets | 0.1115% | 7,338 |
| Noninterest expense to average assets | 2.0556% | 7,276 |
| Loan and lease loss provision to assets | 0.0243% | 7,112 |
| Net operating income to assets | 0.1745% | 5,236 |
| Return on assets (ROA) | 0.1745% | 5,307 |
| Pretax return on assets | 0.2715% | 5,131 |
| Return on Equity (ROE) | 1.3484% | 5,390 |
| Retained earnings to average equity (ytd only) | 1.3484% | 4,568 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4227% | 1,926 |
| Assets per employee ($millions) | 4.5898% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1307% | 7,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 7,436 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 47.1695% | 7,021 |
| Net loans and leases to deposits | 73.2533% | 5,476 |
| Net loans and leases to core deposits | 81.2434% | 6,254 |
| Total domestic deposits to total assets | 64.3923% | 7,752 |
| Equity capital to assets | 13.1232% | 1,648 |
| Core capital (leverage) ratio | 14.2168% | 1,034 |
| Tier 1 risk-based capital ratio | 45.5295% | 202 |
| Total risk-based capital ratio | 45.7521% | 212 |
| Memoranda: | ||
| Average total assets | $27,501,750 | 7,638 |
| Average earning assets | $26,347,250 | 7,557 |
| Average equity | $3,559,750 | 7,491 |
| Average total loans | $12,811,250 | 7,629 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 7,138 |
| Cost of funding earning assets | 2.6025% | 1,278 |
| Net interest margin | 2.2459% | 7,719 |
| Noninterest income to average assets | 0.1310% | 7,306 |
| Noninterest expense to average assets | 2.0226% | 7,427 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2183% | 5,189 |
| Return on assets (ROA) | 0.2183% | 5,277 |
| Pretax return on assets | 0.2619% | 5,294 |
| Return on Equity (ROE) | 1.6941% | 5,405 |
| Retained earnings to average equity (ytd only) | 1.6941% | 4,398 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5350% | 1,947 |
| Assets per employee ($millions) | 4.5943% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2321% | 8,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 7,271 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 45.2187% | 7,247 |
| Net loans and leases to deposits | 69.5669% | 6,036 |
| Net loans and leases to core deposits | 78.0917% | 6,542 |
| Total domestic deposits to total assets | 65.0004% | 7,794 |
| Equity capital to assets | 12.7694% | 1,805 |
| Core capital (leverage) ratio | 12.5464% | 1,598 |
| Tier 1 risk-based capital ratio | 47.8623% | 201 |
| Total risk-based capital ratio | 48.2649% | 204 |
| Memoranda: | ||
| Average total assets | $27,489,330 | 7,703 |
| Average earning assets | $26,359,330 | 7,623 |
| Average equity | $3,541,670 | 7,560 |
| Average total loans | $12,746,000 | 7,712 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 7,336 |
| Cost of funding earning assets | 2.6612% | 1,371 |
| Net interest margin | 2.1594% | 7,822 |
| Noninterest income to average assets | 0.0729% | 7,692 |
| Noninterest expense to average assets | 1.9671% | 7,420 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1166% | 5,933 |
| Return on assets (ROA) | 0.1166% | 6,094 |
| Pretax return on assets | 0.1749% | 5,998 |
| Return on Equity (ROE) | 0.9008% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.9008% | 5,292 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8367% | 1,582 |
| Assets per employee ($millions) | 4.5618% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2186% | 8,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 7,240 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 48.3541% | 6,996 |
| Net loans and leases to deposits | 77.0731% | 5,077 |
| Net loans and leases to core deposits | 86.7528% | 5,850 |
| Total domestic deposits to total assets | 62.7379% | 7,890 |
| Equity capital to assets | 13.0138% | 1,738 |
| Core capital (leverage) ratio | 12.6002% | 1,647 |
| Tier 1 risk-based capital ratio | 49.2520% | 218 |
| Total risk-based capital ratio | 49.6652% | 223 |
| Memoranda: | ||
| Average total assets | $27,451,000 | 7,751 |
| Average earning assets | $26,303,500 | 7,670 |
| Average equity | $3,552,500 | 7,604 |
| Average total loans | $12,872,000 | 7,757 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2219% | 7,666 |
| Cost of funding earning assets | 3.1073% | 1,484 |
| Net interest margin | 2.1146% | 8,010 |
| Noninterest income to average assets | 0.0473% | 7,904 |
| Noninterest expense to average assets | 1.9467% | 7,545 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1492% | 5,983 |
| Return on assets (ROA) | 0.1929% | 5,688 |
| Pretax return on assets | 0.1674% | 5,805 |
| Return on Equity (ROE) | 1.5518% | 5,753 |
| Retained earnings to average equity (ytd only) | 1.5518% | 4,290 |
| Net charge-offs to loans | -0.0517% | 8,030 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0246% | 1,273 |
| Assets per employee ($millions) | 4.5885% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2324% | 8,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 7,112 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.2254% | 7,393 |
| Net loans and leases to deposits | 71.6110% | 6,102 |
| Net loans and leases to core deposits | 80.9242% | 6,544 |
| Total domestic deposits to total assets | 63.1543% | 7,830 |
| Equity capital to assets | 12.8691% | 1,841 |
| Core capital (leverage) ratio | 12.4573% | 1,772 |
| Tier 1 risk-based capital ratio | 65.8527% | 131 |
| Total risk-based capital ratio | 66.4103% | 132 |
| Memoranda: | ||
| Average total assets | $27,481,800 | 7,750 |
| Average earning assets | $26,293,000 | 7,682 |
| Average equity | $3,415,400 | 7,714 |
| Average total loans | $13,532,400 | 7,733 |