Home > Raymond Federal Bank > Performance and Condition Ratios
Raymond Federal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,880 |
| Cost of funding earning assets | 1.2627% | 2,621 |
| Net interest margin | 2.7878% | 3,685 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 4.0006% | 367 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | -1.2401% | 4,542 |
| Return on assets (ROA) | -1.2401% | 4,536 |
| Pretax return on assets | -1.2009% | 4,528 |
| Return on Equity (ROE) | -13.7300% | 4,521 |
| Retained earnings to average equity (ytd only) | -13.7308% | 4,489 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 140.4895% | 53 |
| Assets per employee ($millions) | 3.2659% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,248 |
| Loan loss allowance to noncurrent loans | 1,591.1111% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,154 |
| Noncurrent loans to loans | 0.0760% | 3,178 |
| Net loans and leases to total assets | 81.4600% | 480 |
| Net loans and leases to deposits | 112.6402% | 151 |
| Net loans and leases to core deposits | 120.1605% | 619 |
| Total domestic deposits to total assets | 72.3200% | 4,212 |
| Equity capital to assets | 7.9208% | 3,464 |
| Core capital (leverage) ratio | 8.1381% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0586% | 1,073 |
| Memoranda: | ||
| Average total assets | $68,865,200 | 4,125 |
| Average earning assets | $66,682,800 | 4,072 |
| Average equity | $6,219,600 | 4,140 |
| Average total loans | $56,449,000 | 3,750 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,842 |
| Cost of funding earning assets | 1.0903% | 2,770 |
| Net interest margin | 2.9114% | 3,521 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 4.0788% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.8647% | 4,559 |
| Return on assets (ROA) | -0.8647% | 4,552 |
| Pretax return on assets | -1.0975% | 4,559 |
| Return on Equity (ROE) | -9.2300% | 4,536 |
| Retained earnings to average equity (ytd only) | -9.2258% | 4,495 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 136.8110% | 55 |
| Assets per employee ($millions) | 3.8047% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,040 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 81.7600% | 458 |
| Net loans and leases to deposits | 107.1557% | 267 |
| Net loans and leases to core deposits | 111.2544% | 824 |
| Total domestic deposits to total assets | 76.3000% | 3,991 |
| Equity capital to assets | 8.8678% | 2,492 |
| Core capital (leverage) ratio | 8.8278% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5734% | 1,007 |
| Memoranda: | ||
| Average total assets | $68,156,000 | 4,146 |
| Average earning assets | $66,036,750 | 4,100 |
| Average equity | $6,387,750 | 4,127 |
| Average total loans | $55,750,000 | 3,772 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 3,853 |
| Cost of funding earning assets | 0.8757% | 3,007 |
| Net interest margin | 3.0331% | 3,344 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 3.3066% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.1999% | 4,535 |
| Return on assets (ROA) | -0.1999% | 4,519 |
| Pretax return on assets | -0.2028% | 4,516 |
| Return on Equity (ROE) | -2.0900% | 4,496 |
| Retained earnings to average equity (ytd only) | -2.0947% | 4,293 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 106.5341% | 114 |
| Assets per employee ($millions) | 3.4708% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,025 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.7300% | 667 |
| Net loans and leases to deposits | 104.1591% | 364 |
| Net loans and leases to core deposits | 108.2414% | 898 |
| Total domestic deposits to total assets | 76.5500% | 3,999 |
| Equity capital to assets | 9.2876% | 2,322 |
| Core capital (leverage) ratio | 9.4030% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2516% | 690 |
| Memoranda: | ||
| Average total assets | $68,046,667 | 4,163 |
| Average earning assets | $66,005,667 | 4,116 |
| Average equity | $6,492,667 | 4,137 |
| Average total loans | $55,431,000 | 3,784 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 3,769 |
| Cost of funding earning assets | 0.5567% | 3,512 |
| Net interest margin | 3.2915% | 2,897 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 3.3312% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0059% | 4,478 |
| Return on assets (ROA) | 0.0059% | 4,463 |
| Pretax return on assets | 0.0059% | 4,449 |
| Return on Equity (ROE) | 0.0600% | 4,448 |
| Retained earnings to average equity (ytd only) | 0.0614% | 4,007 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.8221% | 175 |
| Assets per employee ($millions) | 3.4317% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,160 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 80.7900% | 474 |
| Net loans and leases to deposits | 103.7029% | 308 |
| Net loans and leases to core deposits | 105.9641% | 838 |
| Total domestic deposits to total assets | 77.9100% | 4,016 |
| Equity capital to assets | 9.4938% | 2,149 |
| Core capital (leverage) ratio | 9.7109% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3677% | 706 |
| Memoranda: | ||
| Average total assets | $67,362,500 | 4,230 |
| Average earning assets | $65,381,000 | 4,178 |
| Average equity | $6,515,500 | 4,183 |
| Average total loans | $55,115,500 | 3,834 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 2,468 |
| Cost of funding earning assets | 0.1804% | 3,904 |
| Net interest margin | 3.5455% | 1,795 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 3.5399% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0441% | 4,540 |
| Return on assets (ROA) | 0.0441% | 4,527 |
| Pretax return on assets | 0.0562% | 4,521 |
| Return on Equity (ROE) | 0.4500% | 4,523 |
| Retained earnings to average equity (ytd only) | 0.4461% | 4,281 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 98.4362% | 168 |
| Assets per employee ($millions) | 3.3046% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 1,787 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 80.7200% | 525 |
| Net loans and leases to deposits | 92.2561% | 900 |
| Net loans and leases to core deposits | 93.7179% | 1,308 |
| Total domestic deposits to total assets | 87.4900% | 2,237 |
| Equity capital to assets | 9.8576% | 1,786 |
| Core capital (leverage) ratio | 9.8447% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1381% | 619 |
| Memoranda: | ||
| Average total assets | $65,792,600 | 4,274 |
| Average earning assets | $63,742,400 | 4,222 |
| Average equity | $6,501,000 | 4,271 |
| Average total loans | $52,150,200 | 3,860 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 2,039 |
| Cost of funding earning assets | 0.1699% | 3,630 |
| Net interest margin | 3.5339% | 1,567 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 3.5200% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0487% | 4,568 |
| Return on assets (ROA) | 0.0487% | 4,539 |
| Pretax return on assets | 0.0609% | 4,536 |
| Return on Equity (ROE) | 0.4900% | 4,530 |
| Retained earnings to average equity (ytd only) | 0.4925% | 4,271 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 98.3003% | 176 |
| Assets per employee ($millions) | 3.4990% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,837 |
| Loan loss allowance to noncurrent loans | 954.6667% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 2,835 |
| Noncurrent loans to loans | 0.1405% | 2,926 |
| Net loans and leases to total assets | 79.1900% | 601 |
| Net loans and leases to deposits | 89.2445% | 946 |
| Net loans and leases to core deposits | 91.0440% | 1,235 |
| Total domestic deposits to total assets | 88.7400% | 2,190 |
| Equity capital to assets | 9.7923% | 1,731 |
| Core capital (leverage) ratio | 9.8764% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1850% | 626 |
| Memoranda: | ||
| Average total assets | $65,718,000 | 4,303 |
| Average earning assets | $63,573,500 | 4,253 |
| Average equity | $6,497,500 | 4,315 |
| Average total loans | $51,671,750 | 3,888 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 1,585 |
| Cost of funding earning assets | 0.1675% | 3,347 |
| Net interest margin | 3.5148% | 1,276 |
| Noninterest income to average assets | 0.1650% | 4,186 |
| Noninterest expense to average assets | 3.5195% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0336% | 4,560 |
| Return on assets (ROA) | 0.0336% | 4,531 |
| Pretax return on assets | 0.0428% | 4,519 |
| Return on Equity (ROE) | 0.3388% | 4,526 |
| Retained earnings to average equity (ytd only) | 0.3388% | 4,123 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7993% | 207 |
| Assets per employee ($millions) | 3.4319% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 1,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 78.8593% | 494 |
| Net loans and leases to deposits | 88.3325% | 812 |
| Net loans and leases to core deposits | 90.1538% | 1,113 |
| Total domestic deposits to total assets | 89.2755% | 2,061 |
| Equity capital to assets | 9.9638% | 1,735 |
| Core capital (leverage) ratio | 9.9756% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7424% | 557 |
| Memoranda: | ||
| Average total assets | $65,463,667 | 4,346 |
| Average earning assets | $63,275,000 | 4,313 |
| Average equity | $6,493,333 | 4,368 |
| Average total loans | $51,107,667 | 3,947 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 1,386 |
| Cost of funding earning assets | 0.1641% | 3,307 |
| Net interest margin | 3.4847% | 1,118 |
| Noninterest income to average assets | 0.1890% | 4,029 |
| Noninterest expense to average assets | 3.4699% | 431 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0671% | 4,499 |
| Return on assets (ROA) | 0.0671% | 4,477 |
| Pretax return on assets | 0.0854% | 4,461 |
| Return on Equity (ROE) | 0.6778% | 4,466 |
| Retained earnings to average equity (ytd only) | 0.6778% | 3,883 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5986% | 287 |
| Assets per employee ($millions) | 4.0936% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 76.3184% | 488 |
| Net loans and leases to deposits | 85.5619% | 772 |
| Net loans and leases to core deposits | 86.9324% | 1,083 |
| Total domestic deposits to total assets | 89.1966% | 1,981 |
| Equity capital to assets | 9.9194% | 1,958 |
| Core capital (leverage) ratio | 9.9823% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3782% | 529 |
| Memoranda: | ||
| Average total assets | $65,592,500 | 4,368 |
| Average earning assets | $63,362,000 | 4,332 |
| Average equity | $6,491,500 | 4,414 |
| Average total loans | $50,593,000 | 3,962 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7197% | 2,056 |
| Cost of funding earning assets | 0.2838% | 2,559 |
| Net interest margin | 3.4359% | 1,916 |
| Noninterest income to average assets | 0.1479% | 4,412 |
| Noninterest expense to average assets | 3.3763% | 565 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0747% | 4,639 |
| Return on assets (ROA) | 0.0747% | 4,650 |
| Pretax return on assets | 0.0945% | 4,642 |
| Return on Equity (ROE) | 0.7582% | 4,625 |
| Retained earnings to average equity (ytd only) | 0.7582% | 4,316 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2759% | 180 |
| Assets per employee ($millions) | 3.8639% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 1,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 75.7638% | 532 |
| Net loans and leases to deposits | 84.6507% | 872 |
| Net loans and leases to core deposits | 85.9994% | 1,201 |
| Total domestic deposits to total assets | 89.5017% | 1,235 |
| Equity capital to assets | 9.8741% | 2,779 |
| Core capital (leverage) ratio | 9.8485% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9947% | 493 |
| Memoranda: | ||
| Average total assets | $65,574,600 | 4,383 |
| Average earning assets | $63,418,800 | 4,344 |
| Average equity | $6,462,400 | 4,483 |
| Average total loans | $50,322,600 | 3,988 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7759% | 2,072 |
| Cost of funding earning assets | 0.3157% | 2,449 |
| Net interest margin | 3.4602% | 1,976 |
| Noninterest income to average assets | 0.1465% | 4,461 |
| Noninterest expense to average assets | 3.4031% | 528 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0692% | 4,714 |
| Return on assets (ROA) | 0.0692% | 4,729 |
| Pretax return on assets | 0.0875% | 4,720 |
| Return on Equity (ROE) | 0.7021% | 4,714 |
| Retained earnings to average equity (ytd only) | 0.7021% | 4,469 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4942% | 178 |
| Assets per employee ($millions) | 4.3991% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,846 |
| Loan loss allowance to noncurrent loans | 1,403.9216% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,588 |
| Noncurrent loans to loans | 0.1026% | 3,573 |
| Net loans and leases to total assets | 74.2536% | 671 |
| Net loans and leases to deposits | 83.0542% | 1,027 |
| Net loans and leases to core deposits | 84.9831% | 1,352 |
| Total domestic deposits to total assets | 89.4038% | 1,072 |
| Equity capital to assets | 9.8066% | 3,096 |
| Core capital (leverage) ratio | 9.9680% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3181% | 512 |
| Memoranda: | ||
| Average total assets | $65,546,500 | 4,442 |
| Average earning assets | $63,347,750 | 4,401 |
| Average equity | $6,456,500 | 4,548 |
| Average total loans | $50,282,500 | 4,048 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 1,841 |
| Cost of funding earning assets | 0.3260% | 2,534 |
| Net interest margin | 3.5635% | 1,675 |
| Noninterest income to average assets | 0.1437% | 4,481 |
| Noninterest expense to average assets | 3.4648% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0948% | 4,719 |
| Return on assets (ROA) | 0.0948% | 4,736 |
| Pretax return on assets | 0.1223% | 4,718 |
| Return on Equity (ROE) | 0.9610% | 4,706 |
| Retained earnings to average equity (ytd only) | 0.9610% | 4,352 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5899% | 209 |
| Assets per employee ($millions) | 3.8673% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 1,982 |
| Loan loss allowance to noncurrent loans | 1,403.9216% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 3,692 |
| Noncurrent loans to loans | 0.0996% | 3,689 |
| Net loans and leases to total assets | 76.8116% | 518 |
| Net loans and leases to deposits | 86.5776% | 879 |
| Net loans and leases to core deposits | 88.6196% | 1,230 |
| Total domestic deposits to total assets | 88.7199% | 1,435 |
| Equity capital to assets | 9.8382% | 3,015 |
| Core capital (leverage) ratio | 9.8607% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5202% | 570 |
| Memoranda: | ||
| Average total assets | $65,400,000 | 4,475 |
| Average earning assets | $63,197,000 | 4,432 |
| Average equity | $6,451,667 | 4,576 |
| Average total loans | $50,472,333 | 4,075 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 1,927 |
| Cost of funding earning assets | 0.3362% | 2,656 |
| Net interest margin | 3.5267% | 1,756 |
| Noninterest income to average assets | 0.1410% | 4,501 |
| Noninterest expense to average assets | 3.4464% | 502 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0797% | 4,727 |
| Return on assets (ROA) | 0.0797% | 4,738 |
| Pretax return on assets | 0.1042% | 4,728 |
| Return on Equity (ROE) | 0.8070% | 4,727 |
| Retained earnings to average equity (ytd only) | 0.8070% | 4,252 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0639% | 229 |
| Assets per employee ($millions) | 3.5081% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 75.6309% | 664 |
| Net loans and leases to deposits | 84.5723% | 1,087 |
| Net loans and leases to core deposits | 86.5083% | 1,489 |
| Total domestic deposits to total assets | 89.4275% | 1,109 |
| Equity capital to assets | 9.6768% | 3,031 |
| Core capital (leverage) ratio | 9.9577% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8772% | 524 |
| Memoranda: | ||
| Average total assets | $65,228,000 | 4,494 |
| Average earning assets | $63,062,000 | 4,446 |
| Average equity | $6,443,500 | 4,590 |
| Average total loans | $50,101,000 | 4,103 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 1,901 |
| Cost of funding earning assets | 0.6418% | 2,050 |
| Net interest margin | 3.6469% | 1,989 |
| Noninterest income to average assets | 0.1776% | 4,396 |
| Noninterest expense to average assets | 3.5606% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1373% | 4,639 |
| Return on assets (ROA) | 0.1373% | 4,685 |
| Pretax return on assets | 0.1679% | 4,667 |
| Return on Equity (ROE) | 1.3298% | 4,645 |
| Retained earnings to average equity (ytd only) | 1.3298% | 4,098 |
| Net charge-offs to loans | -0.0450% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4959% | 236 |
| Assets per employee ($millions) | 3.7531% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.7954% | 809 |
| Net loans and leases to deposits | 85.1331% | 1,333 |
| Net loans and leases to core deposits | 87.1805% | 1,778 |
| Total domestic deposits to total assets | 89.0317% | 973 |
| Equity capital to assets | 10.0890% | 3,047 |
| Core capital (leverage) ratio | 10.1519% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3865% | 479 |
| Memoranda: | ||
| Average total assets | $61,927,000 | 4,486 |
| Average earning assets | $60,297,400 | 4,433 |
| Average equity | $6,392,000 | 4,595 |
| Average total loans | $48,910,600 | 4,129 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 1,895 |
| Cost of funding earning assets | 0.7015% | 2,016 |
| Net interest margin | 3.6812% | 2,010 |
| Noninterest income to average assets | 0.1974% | 4,296 |
| Noninterest expense to average assets | 3.6013% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1432% | 4,659 |
| Return on assets (ROA) | 0.1432% | 4,685 |
| Pretax return on assets | 0.1822% | 4,670 |
| Return on Equity (ROE) | 1.3791% | 4,646 |
| Retained earnings to average equity (ytd only) | 1.3791% | 4,123 |
| Net charge-offs to loans | -0.0055% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1835% | 239 |
| Assets per employee ($millions) | 3.7475% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 1,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.2868% | 1,056 |
| Net loans and leases to deposits | 85.7748% | 1,729 |
| Net loans and leases to core deposits | 88.4698% | 2,106 |
| Total domestic deposits to total assets | 88.9384% | 795 |
| Equity capital to assets | 10.0742% | 3,161 |
| Core capital (leverage) ratio | 10.2563% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9587% | 455 |
| Memoranda: | ||
| Average total assets | $61,458,250 | 4,509 |
| Average earning assets | $59,870,250 | 4,461 |
| Average equity | $6,380,750 | 4,621 |
| Average total loans | $48,869,500 | 4,153 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 2,213 |
| Cost of funding earning assets | 0.7772% | 1,954 |
| Net interest margin | 3.6226% | 2,407 |
| Noninterest income to average assets | 0.2141% | 4,204 |
| Noninterest expense to average assets | 3.5744% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1351% | 4,646 |
| Return on assets (ROA) | 0.1351% | 4,680 |
| Pretax return on assets | 0.1713% | 4,657 |
| Return on Equity (ROE) | 1.2876% | 4,653 |
| Retained earnings to average equity (ytd only) | 1.2876% | 4,014 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4266% | 258 |
| Assets per employee ($millions) | 3.4738% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 1,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.1290% | 978 |
| Net loans and leases to deposits | 86.7629% | 1,687 |
| Net loans and leases to core deposits | 89.9659% | 2,075 |
| Total domestic deposits to total assets | 88.8964% | 788 |
| Equity capital to assets | 10.2241% | 2,984 |
| Core capital (leverage) ratio | 10.4423% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8450% | 461 |
| Memoranda: | ||
| Average total assets | $60,708,667 | 4,531 |
| Average earning assets | $59,184,667 | 4,477 |
| Average equity | $6,368,333 | 4,644 |
| Average total loans | $48,727,333 | 4,163 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 2,889 |
| Cost of funding earning assets | 0.8364% | 2,191 |
| Net interest margin | 3.4760% | 3,062 |
| Noninterest income to average assets | 0.3010% | 3,708 |
| Noninterest expense to average assets | 3.6255% | 792 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0535% | 4,709 |
| Return on assets (ROA) | 0.0535% | 4,702 |
| Pretax return on assets | 0.0669% | 4,689 |
| Return on Equity (ROE) | 0.5035% | 4,694 |
| Retained earnings to average equity (ytd only) | 0.5035% | 3,879 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1884% | 272 |
| Assets per employee ($millions) | 3.3404% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,543 |
| Loan loss allowance to noncurrent loans | 69,400.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,645 |
| Noncurrent loans to loans | 0.0021% | 4,577 |
| Net loans and leases to total assets | 78.8647% | 847 |
| Net loans and leases to deposits | 89.1469% | 1,619 |
| Net loans and leases to core deposits | 93.0167% | 2,067 |
| Total domestic deposits to total assets | 88.4661% | 902 |
| Equity capital to assets | 10.5776% | 3,253 |
| Core capital (leverage) ratio | 10.7109% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1690% | 488 |
| Memoranda: | ||
| Average total assets | $59,798,500 | 4,559 |
| Average earning assets | $58,342,500 | 4,509 |
| Average equity | $6,356,000 | 4,678 |
| Average total loans | $48,630,000 | 4,180 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 2,759 |
| Cost of funding earning assets | 0.7317% | 3,012 |
| Net interest margin | 3.8251% | 2,421 |
| Noninterest income to average assets | 0.1784% | 4,600 |
| Noninterest expense to average assets | 3.5762% | 870 |
| Loan and lease loss provision to assets | 0.0238% | 3,542 |
| Net operating income to assets | 0.2514% | 4,796 |
| Return on assets (ROA) | 0.2514% | 4,820 |
| Pretax return on assets | 0.3177% | 4,804 |
| Return on Equity (ROE) | 2.3536% | 4,762 |
| Retained earnings to average equity (ytd only) | 2.3536% | 3,848 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2836% | 306 |
| Assets per employee ($millions) | 3.4982% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,482 |
| Loan loss allowance to noncurrent loans | 23,133.3333% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,658 |
| Noncurrent loans to loans | 0.0061% | 4,575 |
| Net loans and leases to total assets | 81.4747% | 618 |
| Net loans and leases to deposits | 92.0810% | 1,360 |
| Net loans and leases to core deposits | 95.3668% | 1,953 |
| Total domestic deposits to total assets | 88.4816% | 896 |
| Equity capital to assets | 10.6810% | 3,271 |
| Core capital (leverage) ratio | 10.8127% | 2,667 |
| Tier 1 risk-based capital ratio | 22.4619% | 969 |
| Total risk-based capital ratio | 23.7279% | 947 |
| Memoranda: | ||
| Average total assets | $58,862,000 | 4,615 |
| Average earning assets | $57,540,600 | 4,565 |
| Average equity | $6,288,200 | 4,721 |
| Average total loans | $48,424,400 | 4,216 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 2,860 |
| Cost of funding earning assets | 0.7108% | 3,159 |
| Net interest margin | 3.8492% | 2,438 |
| Noninterest income to average assets | 0.1817% | 4,638 |
| Noninterest expense to average assets | 3.5564% | 894 |
| Loan and lease loss provision to assets | 0.0318% | 3,272 |
| Net operating income to assets | 0.2816% | 4,866 |
| Return on assets (ROA) | 0.2816% | 4,881 |
| Pretax return on assets | 0.3565% | 4,852 |
| Return on Equity (ROE) | 2.6359% | 4,819 |
| Retained earnings to average equity (ytd only) | 2.6359% | 4,033 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1554% | 319 |
| Assets per employee ($millions) | 3.2465% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 1,462 |
| Loan loss allowance to noncurrent loans | 13,880.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,720 |
| Noncurrent loans to loans | 0.0103% | 4,637 |
| Net loans and leases to total assets | 81.8266% | 586 |
| Net loans and leases to deposits | 93.1470% | 1,303 |
| Net loans and leases to core deposits | 96.0470% | 1,988 |
| Total domestic deposits to total assets | 87.8467% | 1,104 |
| Equity capital to assets | 10.8288% | 3,269 |
| Core capital (leverage) ratio | 10.9652% | 2,678 |
| Tier 1 risk-based capital ratio | 22.7520% | 978 |
| Total risk-based capital ratio | 24.0175% | 951 |
| Memoranda: | ||
| Average total assets | $58,710,000 | 4,680 |
| Average earning assets | $57,395,500 | 4,624 |
| Average equity | $6,272,250 | 4,786 |
| Average total loans | $48,243,750 | 4,270 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 2,670 |
| Cost of funding earning assets | 0.6784% | 3,282 |
| Net interest margin | 3.9241% | 2,168 |
| Noninterest income to average assets | 0.1701% | 4,732 |
| Noninterest expense to average assets | 3.5476% | 905 |
| Loan and lease loss provision to assets | 0.0408% | 2,994 |
| Net operating income to assets | 0.3299% | 4,834 |
| Return on assets (ROA) | 0.3299% | 4,850 |
| Pretax return on assets | 0.4184% | 4,807 |
| Return on Equity (ROE) | 3.1022% | 4,773 |
| Retained earnings to average equity (ytd only) | 3.1022% | 3,669 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5399% | 413 |
| Assets per employee ($millions) | 3.4111% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,407 |
| Loan loss allowance to noncurrent loans | 9,885.7143% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 4,736 |
| Noncurrent loans to loans | 0.0147% | 4,656 |
| Net loans and leases to total assets | 80.9809% | 735 |
| Net loans and leases to deposits | 92.3718% | 1,446 |
| Net loans and leases to core deposits | 95.2767% | 2,131 |
| Total domestic deposits to total assets | 87.6684% | 1,260 |
| Equity capital to assets | 10.8659% | 3,207 |
| Core capital (leverage) ratio | 10.7450% | 2,846 |
| Tier 1 risk-based capital ratio | 23.1765% | 933 |
| Total risk-based capital ratio | 24.4418% | 902 |
| Memoranda: | ||
| Average total assets | $58,801,000 | 4,713 |
| Average earning assets | $57,491,330 | 4,661 |
| Average equity | $6,253,670 | 4,820 |
| Average total loans | $48,154,670 | 4,299 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 2,673 |
| Cost of funding earning assets | 0.6285% | 3,418 |
| Net interest margin | 3.9296% | 2,094 |
| Noninterest income to average assets | 0.1486% | 4,852 |
| Noninterest expense to average assets | 3.5063% | 961 |
| Loan and lease loss provision to assets | 0.0405% | 2,816 |
| Net operating income to assets | 0.3513% | 4,828 |
| Return on assets (ROA) | 0.3513% | 4,834 |
| Pretax return on assets | 0.4459% | 4,781 |
| Return on Equity (ROE) | 3.3387% | 4,712 |
| Retained earnings to average equity (ytd only) | 3.3387% | 3,583 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8173% | 493 |
| Assets per employee ($millions) | 3.3199% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 1,656 |
| Loan loss allowance to noncurrent loans | 8,575.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,803 |
| Noncurrent loans to loans | 0.0164% | 4,711 |
| Net loans and leases to total assets | 80.4428% | 787 |
| Net loans and leases to deposits | 91.3585% | 1,473 |
| Net loans and leases to core deposits | 92.9303% | 2,218 |
| Total domestic deposits to total assets | 88.0518% | 1,313 |
| Equity capital to assets | 10.4689% | 3,371 |
| Core capital (leverage) ratio | 10.7006% | 2,849 |
| Tier 1 risk-based capital ratio | 22.4616% | 991 |
| Total risk-based capital ratio | 23.7254% | 968 |
| Memoranda: | ||
| Average total assets | $59,207,000 | 4,756 |
| Average earning assets | $57,919,000 | 4,694 |
| Average equity | $6,230,000 | 4,859 |
| Average total loans | $48,406,000 | 4,340 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 2,916 |
| Cost of funding earning assets | 0.5767% | 2,875 |
| Net interest margin | 3.7769% | 2,754 |
| Noninterest income to average assets | 0.1659% | 4,893 |
| Noninterest expense to average assets | 3.8008% | 684 |
| Loan and lease loss provision to assets | 0.0406% | 3,378 |
| Net operating income to assets | 0.0576% | 5,208 |
| Return on assets (ROA) | 0.0576% | 5,201 |
| Pretax return on assets | 0.0169% | 5,220 |
| Return on Equity (ROE) | 0.5515% | 5,193 |
| Retained earnings to average equity (ytd only) | 0.5515% | 4,837 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5081% | 165 |
| Assets per employee ($millions) | 3.2587% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 1,583 |
| Loan loss allowance to noncurrent loans | 6,800.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,803 |
| Noncurrent loans to loans | 0.0208% | 4,695 |
| Net loans and leases to total assets | 80.7675% | 828 |
| Net loans and leases to deposits | 91.2251% | 1,642 |
| Net loans and leases to core deposits | 92.8157% | 2,340 |
| Total domestic deposits to total assets | 88.5366% | 1,054 |
| Equity capital to assets | 10.5769% | 3,098 |
| Core capital (leverage) ratio | 10.5514% | 2,966 |
| Tier 1 risk-based capital ratio | 22.3543% | 984 |
| Total risk-based capital ratio | 23.6191% | 954 |
| Memoranda: | ||
| Average total assets | $59,067,200 | 4,778 |
| Average earning assets | $57,746,000 | 4,717 |
| Average equity | $6,165,000 | 4,871 |
| Average total loans | $46,930,800 | 4,374 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 2,924 |
| Cost of funding earning assets | 0.5601% | 2,788 |
| Net interest margin | 3.7504% | 2,825 |
| Noninterest income to average assets | 0.1645% | 4,964 |
| Noninterest expense to average assets | 3.9186% | 575 |
| Loan and lease loss provision to assets | 0.0406% | 3,190 |
| Net operating income to assets | -0.0428% | 5,316 |
| Return on assets (ROA) | -0.0428% | 5,312 |
| Pretax return on assets | -0.1284% | 5,329 |
| Return on Equity (ROE) | -0.4115% | 5,313 |
| Retained earnings to average equity (ytd only) | -0.4115% | 5,090 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2941% | 123 |
| Assets per employee ($millions) | 3.5387% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,632 |
| Loan loss allowance to noncurrent loans | 5,616.6667% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 4,897 |
| Noncurrent loans to loans | 0.0253% | 4,783 |
| Net loans and leases to total assets | 77.8450% | 1,367 |
| Net loans and leases to deposits | 87.9255% | 2,162 |
| Net loans and leases to core deposits | 88.9814% | 2,745 |
| Total domestic deposits to total assets | 88.5352% | 1,037 |
| Equity capital to assets | 10.2247% | 3,425 |
| Core capital (leverage) ratio | 10.4403% | 3,140 |
| Tier 1 risk-based capital ratio | 22.4424% | 998 |
| Total risk-based capital ratio | 23.7084% | 971 |
| Memoranda: | ||
| Average total assets | $59,170,000 | 4,832 |
| Average earning assets | $57,841,500 | 4,764 |
| Average equity | $6,155,250 | 4,928 |
| Average total loans | $46,649,750 | 4,425 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,780 |
| Cost of funding earning assets | 0.5458% | 2,643 |
| Net interest margin | 3.7478% | 2,758 |
| Noninterest income to average assets | 0.1666% | 4,997 |
| Noninterest expense to average assets | 4.1978% | 410 |
| Loan and lease loss provision to assets | 0.0408% | 3,094 |
| Net operating income to assets | -0.2345% | 5,402 |
| Return on assets (ROA) | -0.2345% | 5,398 |
| Pretax return on assets | -0.4079% | 5,419 |
| Return on Equity (ROE) | -2.2415% | 5,405 |
| Retained earnings to average equity (ytd only) | -2.2415% | 5,171 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5830% | 101 |
| Assets per employee ($millions) | 3.4687% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,609 |
| Loan loss allowance to noncurrent loans | 5,138.4615% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 4,918 |
| Noncurrent loans to loans | 0.0280% | 4,799 |
| Net loans and leases to total assets | 77.6268% | 1,374 |
| Net loans and leases to deposits | 87.6529% | 2,154 |
| Net loans and leases to core deposits | 88.7267% | 2,664 |
| Total domestic deposits to total assets | 88.5616% | 1,116 |
| Equity capital to assets | 10.3463% | 3,284 |
| Core capital (leverage) ratio | 10.5108% | 3,021 |
| Tier 1 risk-based capital ratio | 22.9283% | 940 |
| Total risk-based capital ratio | 24.1911% | 921 |
| Memoranda: | ||
| Average total assets | $58,840,670 | 4,893 |
| Average earning assets | $57,526,670 | 4,825 |
| Average equity | $6,156,670 | 4,980 |
| Average total loans | $46,365,000 | 4,476 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 2,890 |
| Cost of funding earning assets | 0.5221% | 2,612 |
| Net interest margin | 3.6758% | 2,902 |
| Noninterest income to average assets | 0.1633% | 5,040 |
| Noninterest expense to average assets | 3.4231% | 1,125 |
| Loan and lease loss provision to assets | 0.0408% | 2,940 |
| Net operating income to assets | 0.1974% | 5,243 |
| Return on assets (ROA) | 0.1974% | 5,242 |
| Pretax return on assets | 0.2926% | 5,175 |
| Return on Equity (ROE) | 1.8757% | 5,201 |
| Retained earnings to average equity (ytd only) | 1.8757% | 4,393 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1232% | 395 |
| Assets per employee ($millions) | 3.4538% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,723 |
| Loan loss allowance to noncurrent loans | 257.5875% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 3,090 |
| Noncurrent loans to loans | 0.5558% | 2,864 |
| Net loans and leases to total assets | 77.6309% | 1,293 |
| Net loans and leases to deposits | 87.6558% | 1,973 |
| Net loans and leases to core deposits | 88.7532% | 2,568 |
| Total domestic deposits to total assets | 88.5634% | 1,323 |
| Equity capital to assets | 10.5578% | 3,012 |
| Core capital (leverage) ratio | 10.5657% | 2,872 |
| Tier 1 risk-based capital ratio | 23.0772% | 936 |
| Total risk-based capital ratio | 24.3429% | 910 |
| Memoranda: | ||
| Average total assets | $58,777,000 | 4,951 |
| Average earning assets | $57,457,000 | 4,886 |
| Average equity | $6,184,500 | 5,029 |
| Average total loans | $46,326,000 | 4,526 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,981 |
| Cost of funding earning assets | 0.5174% | 2,198 |
| Net interest margin | 3.6045% | 3,147 |
| Noninterest income to average assets | 0.2011% | 4,939 |
| Noninterest expense to average assets | 3.1686% | 1,685 |
| Loan and lease loss provision to assets | 0.1357% | 1,693 |
| Net operating income to assets | 0.2664% | 4,992 |
| Return on assets (ROA) | 0.2664% | 5,011 |
| Pretax return on assets | 0.4223% | 5,057 |
| Return on Equity (ROE) | 2.6126% | 4,924 |
| Retained earnings to average equity (ytd only) | 2.6126% | 3,754 |
| Net charge-offs to loans | 0.0785% | 2,323 |
| Credit loss provision to net charge-offs | 225.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,813 |
| Efficiency ratio | 85.0270% | 698 |
| Assets per employee ($millions) | 3.2688% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,712 |
| Loan loss allowance to noncurrent loans | 886.4865% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 4,499 |
| Noncurrent loans to loans | 0.1595% | 4,290 |
| Net loans and leases to total assets | 77.7596% | 1,309 |
| Net loans and leases to deposits | 87.5237% | 2,078 |
| Net loans and leases to core deposits | 89.0552% | 2,649 |
| Total domestic deposits to total assets | 88.8441% | 1,067 |
| Equity capital to assets | 10.4862% | 3,182 |
| Core capital (leverage) ratio | 10.4912% | 2,849 |
| Tier 1 risk-based capital ratio | 22.8425% | 928 |
| Total risk-based capital ratio | 24.1087% | 911 |
| Memoranda: | ||
| Average total assets | $59,679,200 | 4,971 |
| Average earning assets | $58,370,800 | 4,902 |
| Average equity | $6,086,000 | 5,088 |
| Average total loans | $45,845,600 | 4,572 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0921% | 3,014 |
| Cost of funding earning assets | 0.5189% | 2,116 |
| Net interest margin | 3.5732% | 3,252 |
| Noninterest income to average assets | 0.1915% | 5,057 |
| Noninterest expense to average assets | 3.1346% | 1,711 |
| Loan and lease loss provision to assets | 0.1492% | 1,407 |
| Net operating income to assets | 0.2716% | 5,267 |
| Return on assets (ROA) | 0.2716% | 5,283 |
| Pretax return on assets | 0.4029% | 5,184 |
| Return on Equity (ROE) | 2.6819% | 5,182 |
| Retained earnings to average equity (ytd only) | 2.6819% | 4,296 |
| Net charge-offs to loans | 0.0263% | 2,912 |
| Credit loss provision to net charge-offs | 744.4444% | 466 |
| Earnings coverage of net charge-offs (x) | 27.5550% | 1,629 |
| Efficiency ratio | 85.0242% | 684 |
| Assets per employee ($millions) | 3.5031% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,705 |
| Loan loss allowance to noncurrent loans | 892.0000% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,615 |
| Noncurrent loans to loans | 0.1623% | 4,413 |
| Net loans and leases to total assets | 76.4680% | 1,506 |
| Net loans and leases to deposits | 86.2710% | 2,265 |
| Net loans and leases to core deposits | 87.7573% | 2,798 |
| Total domestic deposits to total assets | 88.6370% | 1,050 |
| Equity capital to assets | 10.2984% | 3,589 |
| Core capital (leverage) ratio | 10.3024% | 3,195 |
| Tier 1 risk-based capital ratio | 23.0330% | 944 |
| Total risk-based capital ratio | 24.2986% | 929 |
| Memoranda: | ||
| Average total assets | $59,889,250 | 5,022 |
| Average earning assets | $58,583,250 | 4,944 |
| Average equity | $6,065,000 | 5,151 |
| Average total loans | $45,704,750 | 4,615 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 3,133 |
| Cost of funding earning assets | 0.5316% | 1,900 |
| Net interest margin | 3.4896% | 3,445 |
| Noninterest income to average assets | 0.2233% | 4,910 |
| Noninterest expense to average assets | 3.1399% | 1,734 |
| Loan and lease loss provision to assets | 0.1667% | 1,195 |
| Net operating income to assets | 0.2200% | 5,366 |
| Return on assets (ROA) | 0.2200% | 5,381 |
| Pretax return on assets | 0.3300% | 5,300 |
| Return on Equity (ROE) | 2.1846% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.1846% | 4,368 |
| Net charge-offs to loans | 0.0395% | 2,414 |
| Credit loss provision to net charge-offs | 555.5556% | 602 |
| Earnings coverage of net charge-offs (x) | 16.5556% | 1,977 |
| Efficiency ratio | 86.3428% | 669 |
| Assets per employee ($millions) | 3.5118% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,916 |
| Loan loss allowance to noncurrent loans | 846.7532% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 4,671 |
| Noncurrent loans to loans | 0.1664% | 4,447 |
| Net loans and leases to total assets | 76.4175% | 1,478 |
| Net loans and leases to deposits | 85.8508% | 2,242 |
| Net loans and leases to core deposits | 87.8580% | 2,712 |
| Total domestic deposits to total assets | 89.0119% | 948 |
| Equity capital to assets | 10.1791% | 3,693 |
| Core capital (leverage) ratio | 10.2081% | 3,262 |
| Tier 1 risk-based capital ratio | 22.8484% | 964 |
| Total risk-based capital ratio | 24.1117% | 944 |
| Memoranda: | ||
| Average total assets | $60,001,330 | 5,054 |
| Average earning assets | $58,688,330 | 4,978 |
| Average equity | $6,042,330 | 5,185 |
| Average total loans | $45,537,000 | 4,646 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 3,123 |
| Cost of funding earning assets | 0.5234% | 1,913 |
| Net interest margin | 3.4532% | 3,439 |
| Noninterest income to average assets | 0.1463% | 5,382 |
| Noninterest expense to average assets | 3.1188% | 1,812 |
| Loan and lease loss provision to assets | 0.1197% | 1,598 |
| Net operating income to assets | 0.1862% | 5,417 |
| Return on assets (ROA) | 0.1862% | 5,427 |
| Pretax return on assets | 0.2859% | 5,334 |
| Return on Equity (ROE) | 1.8589% | 5,359 |
| Retained earnings to average equity (ytd only) | 1.8589% | 4,379 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4906% | 635 |
| Assets per employee ($millions) | 3.3687% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,193 |
| Loan loss allowance to noncurrent loans | 2,859.0909% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 5,166 |
| Noncurrent loans to loans | 0.0480% | 4,997 |
| Net loans and leases to total assets | 74.4760% | 1,665 |
| Net loans and leases to deposits | 83.4519% | 2,349 |
| Net loans and leases to core deposits | 85.3573% | 2,776 |
| Total domestic deposits to total assets | 89.2442% | 1,032 |
| Equity capital to assets | 9.9593% | 3,807 |
| Core capital (leverage) ratio | 10.1115% | 3,366 |
| Tier 1 risk-based capital ratio | 22.7475% | 1,007 |
| Total risk-based capital ratio | 24.0131% | 987 |
| Memoranda: | ||
| Average total assets | $60,151,500 | 5,113 |
| Average earning assets | $58,844,000 | 5,029 |
| Average equity | $6,025,000 | 5,233 |
| Average total loans | $45,168,500 | 4,700 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 2,838 |
| Cost of funding earning assets | 0.5831% | 1,468 |
| Net interest margin | 3.5195% | 3,362 |
| Noninterest income to average assets | 0.2624% | 4,857 |
| Noninterest expense to average assets | 3.1432% | 1,916 |
| Loan and lease loss provision to assets | 0.1925% | 1,215 |
| Net operating income to assets | 0.2521% | 5,316 |
| Return on assets (ROA) | 0.2521% | 5,388 |
| Pretax return on assets | 0.3612% | 5,282 |
| Return on Equity (ROE) | 2.4932% | 5,289 |
| Retained earnings to average equity (ytd only) | 2.4932% | 4,095 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0230% | 905 |
| Assets per employee ($millions) | 3.3148% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 2,215 |
| Loan loss allowance to noncurrent loans | 2,545.8333% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 5,195 |
| Noncurrent loans to loans | 0.0539% | 5,029 |
| Net loans and leases to total assets | 73.6383% | 1,907 |
| Net loans and leases to deposits | 82.6474% | 2,593 |
| Net loans and leases to core deposits | 84.0546% | 3,019 |
| Total domestic deposits to total assets | 89.0993% | 1,064 |
| Equity capital to assets | 10.0744% | 3,643 |
| Core capital (leverage) ratio | 10.1812% | 3,250 |
| Tier 1 risk-based capital ratio | 23.0421% | 963 |
| Total risk-based capital ratio | 24.3071% | 945 |
| Memoranda: | ||
| Average total assets | $58,698,000 | 5,171 |
| Average earning assets | $57,280,600 | 5,096 |
| Average equity | $5,936,200 | 5,290 |
| Average total loans | $44,355,800 | 4,739 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 2,757 |
| Cost of funding earning assets | 0.5962% | 1,360 |
| Net interest margin | 3.5353% | 3,340 |
| Noninterest income to average assets | 0.2965% | 4,642 |
| Noninterest expense to average assets | 3.1567% | 1,882 |
| Loan and lease loss provision to assets | 0.2167% | 961 |
| Net operating income to assets | 0.2669% | 5,354 |
| Return on assets (ROA) | 0.2669% | 5,429 |
| Pretax return on assets | 0.3718% | 5,352 |
| Return on Equity (ROE) | 2.6362% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.6362% | 4,335 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2875% | 975 |
| Assets per employee ($millions) | 3.3416% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,452 |
| Loan loss allowance to noncurrent loans | 2,372.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 5,310 |
| Noncurrent loans to loans | 0.0568% | 5,128 |
| Net loans and leases to total assets | 72.2135% | 2,152 |
| Net loans and leases to deposits | 81.0415% | 2,846 |
| Net loans and leases to core deposits | 82.4006% | 3,254 |
| Total domestic deposits to total assets | 89.1069% | 852 |
| Equity capital to assets | 9.9421% | 4,184 |
| Core capital (leverage) ratio | 10.0877% | 3,457 |
| Tier 1 risk-based capital ratio | 23.1972% | 977 |
| Total risk-based capital ratio | 24.4618% | 961 |
| Memoranda: | ||
| Average total assets | $58,456,000 | 5,221 |
| Average earning assets | $57,024,250 | 5,150 |
| Average equity | $5,917,500 | 5,347 |
| Average total loans | $44,307,750 | 4,777 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1366% | 2,729 |
| Cost of funding earning assets | 0.6097% | 1,250 |
| Net interest margin | 3.5269% | 3,383 |
| Noninterest income to average assets | 0.2315% | 5,095 |
| Noninterest expense to average assets | 3.1991% | 1,815 |
| Loan and lease loss provision to assets | 0.1624% | 1,395 |
| Net operating income to assets | 0.2384% | 5,449 |
| Return on assets (ROA) | 0.2384% | 5,515 |
| Pretax return on assets | 0.3075% | 5,491 |
| Return on Equity (ROE) | 2.3403% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.3403% | 4,386 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1940% | 773 |
| Assets per employee ($millions) | 3.2657% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 3,179 |
| Loan loss allowance to noncurrent loans | 973.2143% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 5,135 |
| Noncurrent loans to loans | 0.1266% | 4,930 |
| Net loans and leases to total assets | 74.3361% | 1,769 |
| Net loans and leases to deposits | 83.5044% | 2,527 |
| Net loans and leases to core deposits | 84.5236% | 3,033 |
| Total domestic deposits to total assets | 89.0206% | 909 |
| Equity capital to assets | 10.0914% | 4,105 |
| Core capital (leverage) ratio | 10.2302% | 3,293 |
| Tier 1 risk-based capital ratio | 23.0297% | 1,012 |
| Total risk-based capital ratio | 24.2915% | 991 |
| Memoranda: | ||
| Average total assets | $57,892,000 | 5,291 |
| Average earning assets | $56,423,670 | 5,212 |
| Average equity | $5,896,670 | 5,404 |
| Average total loans | $44,401,000 | 4,816 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 2,694 |
| Cost of funding earning assets | 0.6301% | 1,151 |
| Net interest margin | 3.5086% | 3,443 |
| Noninterest income to average assets | 0.2785% | 4,721 |
| Noninterest expense to average assets | 3.1403% | 1,986 |
| Loan and lease loss provision to assets | 0.2019% | 973 |
| Net operating income to assets | 0.2228% | 5,485 |
| Return on assets (ROA) | 0.2228% | 5,546 |
| Pretax return on assets | 0.3482% | 5,406 |
| Return on Equity (ROE) | 2.1772% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.1772% | 4,385 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0943% | 1,053 |
| Assets per employee ($millions) | 3.2607% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,557 |
| Loan loss allowance to noncurrent loans | 893.2203% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 5,173 |
| Noncurrent loans to loans | 0.1330% | 4,943 |
| Net loans and leases to total assets | 74.7108% | 1,612 |
| Net loans and leases to deposits | 84.5937% | 2,236 |
| Net loans and leases to core deposits | 85.6312% | 2,782 |
| Total domestic deposits to total assets | 88.3172% | 1,457 |
| Equity capital to assets | 10.0438% | 4,026 |
| Core capital (leverage) ratio | 10.3142% | 3,177 |
| Tier 1 risk-based capital ratio | 22.2646% | 1,126 |
| Total risk-based capital ratio | 23.5223% | 1,106 |
| Memoranda: | ||
| Average total assets | $57,446,500 | 5,351 |
| Average earning assets | $55,863,000 | 5,270 |
| Average equity | $5,879,000 | 5,440 |
| Average total loans | $44,480,500 | 4,851 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2536% | 2,377 |
| Cost of funding earning assets | 0.7014% | 820 |
| Net interest margin | 3.5522% | 3,317 |
| Noninterest income to average assets | 0.4124% | 3,939 |
| Noninterest expense to average assets | 3.3046% | 1,706 |
| Loan and lease loss provision to assets | 0.2529% | 748 |
| Net operating income to assets | 0.1924% | 5,594 |
| Return on assets (ROA) | 0.1924% | 5,648 |
| Pretax return on assets | 0.3079% | 5,507 |
| Return on Equity (ROE) | 1.8094% | 5,618 |
| Retained earnings to average equity (ytd only) | 1.8094% | 4,699 |
| Net charge-offs to loans | 0.1689% | 1,676 |
| Credit loss provision to net charge-offs | 189.0411% | 1,460 |
| Earnings coverage of net charge-offs (x) | 4.1918% | 3,597 |
| Efficiency ratio | 85.4908% | 1,043 |
| Assets per employee ($millions) | 3.3059% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,967 |
| Loan loss allowance to noncurrent loans | 776.5625% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 4,805 |
| Noncurrent loans to loans | 0.1435% | 4,918 |
| Net loans and leases to total assets | 78.4466% | 1,064 |
| Net loans and leases to deposits | 88.6011% | 1,800 |
| Net loans and leases to core deposits | 89.7317% | 2,424 |
| Total domestic deposits to total assets | 88.5391% | 1,358 |
| Equity capital to assets | 10.4324% | 3,444 |
| Core capital (leverage) ratio | 10.5533% | 2,878 |
| Tier 1 risk-based capital ratio | 22.5318% | 1,079 |
| Total risk-based capital ratio | 23.7885% | 1,055 |
| Memoranda: | ||
| Average total assets | $54,559,800 | 5,442 |
| Average earning assets | $53,037,600 | 5,355 |
| Average equity | $5,803,000 | 5,481 |
| Average total loans | $43,209,400 | 4,884 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,391 |
| Cost of funding earning assets | 0.7173% | 770 |
| Net interest margin | 3.5358% | 3,402 |
| Noninterest income to average assets | 0.4801% | 3,501 |
| Noninterest expense to average assets | 3.3413% | 1,592 |
| Loan and lease loss provision to assets | 0.2955% | 504 |
| Net operating income to assets | 0.1724% | 5,732 |
| Return on assets (ROA) | 0.1724% | 5,788 |
| Pretax return on assets | 0.2782% | 5,673 |
| Return on Equity (ROE) | 1.6125% | 5,752 |
| Retained earnings to average equity (ytd only) | 1.6125% | 5,060 |
| Net charge-offs to loans | 0.1369% | 1,766 |
| Credit loss provision to net charge-offs | 272.7273% | 1,060 |
| Earnings coverage of net charge-offs (x) | 5.2950% | 3,225 |
| Efficiency ratio | 85.3459% | 1,052 |
| Assets per employee ($millions) | 3.0648% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 3,878 |
| Loan loss allowance to noncurrent loans | 362.8571% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 4,748 |
| Noncurrent loans to loans | 0.3195% | 4,453 |
| Net loans and leases to total assets | 78.5176% | 1,021 |
| Net loans and leases to deposits | 88.9663% | 1,774 |
| Net loans and leases to core deposits | 88.9663% | 2,564 |
| Total domestic deposits to total assets | 88.2554% | 1,423 |
| Equity capital to assets | 10.5645% | 3,527 |
| Core capital (leverage) ratio | 10.7063% | 2,815 |
| Tier 1 risk-based capital ratio | 22.9548% | 1,058 |
| Total risk-based capital ratio | 24.2152% | 1,044 |
| Memoranda: | ||
| Average total assets | $54,149,750 | 5,523 |
| Average earning assets | $52,604,000 | 5,438 |
| Average equity | $5,788,000 | 5,555 |
| Average total loans | $42,865,750 | 4,955 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 2,390 |
| Cost of funding earning assets | 0.7478% | 655 |
| Net interest margin | 3.4935% | 3,527 |
| Noninterest income to average assets | 0.3011% | 4,799 |
| Noninterest expense to average assets | 3.2633% | 1,810 |
| Loan and lease loss provision to assets | 0.2007% | 975 |
| Net operating income to assets | 0.1338% | 5,836 |
| Return on assets (ROA) | 0.1338% | 5,874 |
| Pretax return on assets | 0.2230% | 5,779 |
| Return on Equity (ROE) | 1.2468% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.2468% | 5,057 |
| Net charge-offs to loans | 0.1833% | 1,358 |
| Credit loss provision to net charge-offs | 138.4615% | 1,619 |
| Earnings coverage of net charge-offs (x) | 2.9231% | 3,274 |
| Efficiency ratio | 88.5081% | 876 |
| Assets per employee ($millions) | 3.0009% | 5,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 4,599 |
| Loan loss allowance to noncurrent loans | 333.5821% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 4,158 |
| Noncurrent loans to loans | 0.3152% | 4,566 |
| Net loans and leases to total assets | 77.8862% | 1,083 |
| Net loans and leases to deposits | 88.4030% | 1,781 |
| Net loans and leases to core deposits | 88.4030% | 2,516 |
| Total domestic deposits to total assets | 88.1035% | 1,594 |
| Equity capital to assets | 10.7265% | 3,189 |
| Core capital (leverage) ratio | 10.7667% | 2,662 |
| Tier 1 risk-based capital ratio | 23.3290% | 1,031 |
| Total risk-based capital ratio | 24.5853% | 1,014 |
| Memoranda: | ||
| Average total assets | $53,811,000 | 5,594 |
| Average earning assets | $52,153,670 | 5,508 |
| Average equity | $5,774,670 | 5,613 |
| Average total loans | $42,546,670 | 5,009 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 2,394 |
| Cost of funding earning assets | 0.7938% | 522 |
| Net interest margin | 3.4218% | 3,752 |
| Noninterest income to average assets | 0.3575% | 4,340 |
| Noninterest expense to average assets | 3.2174% | 1,934 |
| Loan and lease loss provision to assets | 0.2681% | 587 |
| Net operating income to assets | 0.1117% | 5,851 |
| Return on assets (ROA) | 0.1117% | 5,911 |
| Pretax return on assets | 0.1787% | 5,852 |
| Return on Equity (ROE) | 1.0408% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.0408% | 5,058 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8049% | 1,035 |
| Assets per employee ($millions) | 3.2002% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 4,473 |
| Loan loss allowance to noncurrent loans | 189.4737% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 4,222 |
| Noncurrent loans to loans | 0.5844% | 3,827 |
| Net loans and leases to total assets | 76.8303% | 1,081 |
| Net loans and leases to deposits | 86.9524% | 1,728 |
| Net loans and leases to core deposits | 86.9524% | 2,439 |
| Total domestic deposits to total assets | 88.3591% | 1,626 |
| Equity capital to assets | 10.6115% | 3,410 |
| Core capital (leverage) ratio | 10.6991% | 2,748 |
| Tier 1 risk-based capital ratio | 23.3592% | 1,068 |
| Total risk-based capital ratio | 24.6176% | 1,039 |
| Memoranda: | ||
| Average total assets | $53,708,500 | 5,646 |
| Average earning assets | $51,903,000 | 5,564 |
| Average equity | $5,765,000 | 5,664 |
| Average total loans | $42,561,000 | 5,046 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 2,008 |
| Cost of funding earning assets | 0.8729% | 453 |
| Net interest margin | 3.5926% | 3,440 |
| Noninterest income to average assets | 0.2824% | 5,103 |
| Noninterest expense to average assets | 3.3530% | 1,794 |
| Loan and lease loss provision to assets | 0.1927% | 1,326 |
| Net operating income to assets | 0.1508% | 5,875 |
| Return on assets (ROA) | 0.1508% | 5,921 |
| Pretax return on assets | 0.2004% | 5,869 |
| Return on Equity (ROE) | 1.3817% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.3817% | 5,154 |
| Net charge-offs to loans | 0.3604% | 1,208 |
| Credit loss provision to net charge-offs | 66.4474% | 3,154 |
| Earnings coverage of net charge-offs (x) | 1.3553% | 4,441 |
| Efficiency ratio | 89.5059% | 879 |
| Assets per employee ($millions) | 3.1185% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 4,999 |
| Loan loss allowance to noncurrent loans | 207.6923% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 4,300 |
| Noncurrent loans to loans | 0.4853% | 4,209 |
| Net loans and leases to total assets | 80.0241% | 739 |
| Net loans and leases to deposits | 90.7038% | 1,443 |
| Net loans and leases to core deposits | 91.2187% | 2,165 |
| Total domestic deposits to total assets | 88.2258% | 1,647 |
| Equity capital to assets | 10.8594% | 3,052 |
| Core capital (leverage) ratio | 10.9898% | 2,422 |
| Tier 1 risk-based capital ratio | 22.9719% | 1,088 |
| Total risk-based capital ratio | 24.2289% | 1,063 |
| Memoranda: | ||
| Average total assets | $52,400,200 | 5,733 |
| Average earning assets | $50,521,000 | 5,660 |
| Average equity | $5,717,400 | 5,692 |
| Average total loans | $42,174,400 | 5,097 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,931 |
| Cost of funding earning assets | 0.8790% | 470 |
| Net interest margin | 3.6060% | 3,404 |
| Noninterest income to average assets | 0.2986% | 5,067 |
| Noninterest expense to average assets | 3.3660% | 1,751 |
| Loan and lease loss provision to assets | 0.2118% | 1,093 |
| Net operating income to assets | 0.1557% | 5,937 |
| Return on assets (ROA) | 0.1557% | 5,970 |
| Pretax return on assets | 0.1965% | 5,955 |
| Return on Equity (ROE) | 1.4250% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.4250% | 5,330 |
| Net charge-offs to loans | 0.4253% | 934 |
| Credit loss provision to net charge-offs | 61.9403% | 2,909 |
| Earnings coverage of net charge-offs (x) | 1.1941% | 4,206 |
| Efficiency ratio | 89.1819% | 910 |
| Assets per employee ($millions) | 3.3084% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,158 |
| Loan loss allowance to noncurrent loans | 211.7647% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 4,770 |
| Noncurrent loans to loans | 0.4781% | 4,474 |
| Net loans and leases to total assets | 79.7918% | 741 |
| Net loans and leases to deposits | 90.7113% | 1,360 |
| Net loans and leases to core deposits | 91.2187% | 2,094 |
| Total domestic deposits to total assets | 87.9624% | 1,793 |
| Equity capital to assets | 10.8437% | 3,136 |
| Core capital (leverage) ratio | 10.9525% | 2,530 |
| Tier 1 risk-based capital ratio | 22.8621% | 1,138 |
| Total risk-based capital ratio | 24.1168% | 1,116 |
| Memoranda: | ||
| Average total assets | $52,246,750 | 5,799 |
| Average earning assets | $50,359,000 | 5,722 |
| Average equity | $5,707,500 | 5,743 |
| Average total loans | $42,004,000 | 5,163 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4791% | 1,898 |
| Cost of funding earning assets | 0.8822% | 470 |
| Net interest margin | 3.5968% | 3,369 |
| Noninterest income to average assets | 0.3345% | 4,748 |
| Noninterest expense to average assets | 3.4027% | 1,673 |
| Loan and lease loss provision to assets | 0.2499% | 879 |
| Net operating income to assets | 0.1384% | 5,974 |
| Return on assets (ROA) | 0.1384% | 6,009 |
| Pretax return on assets | 0.1461% | 6,030 |
| Return on Equity (ROE) | 1.2639% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.2639% | 5,246 |
| Net charge-offs to loans | 0.4978% | 812 |
| Credit loss provision to net charge-offs | 62.5000% | 2,601 |
| Earnings coverage of net charge-offs (x) | 0.9904% | 3,923 |
| Efficiency ratio | 89.5749% | 949 |
| Assets per employee ($millions) | 3.0568% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 5,074 |
| Loan loss allowance to noncurrent loans | 282.8025% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 4,702 |
| Noncurrent loans to loans | 0.3748% | 4,873 |
| Net loans and leases to total assets | 79.7479% | 718 |
| Net loans and leases to deposits | 90.7202% | 1,298 |
| Net loans and leases to core deposits | 91.2375% | 2,003 |
| Total domestic deposits to total assets | 87.9053% | 1,959 |
| Equity capital to assets | 10.9978% | 2,878 |
| Core capital (leverage) ratio | 11.0058% | 2,426 |
| Tier 1 risk-based capital ratio | 22.9850% | 1,112 |
| Total risk-based capital ratio | 24.2439% | 1,095 |
| Memoranda: | ||
| Average total assets | $52,017,670 | 5,855 |
| Average earning assets | $50,099,670 | 5,783 |
| Average equity | $5,696,670 | 5,776 |
| Average total loans | $41,782,330 | 5,203 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 1,729 |
| Cost of funding earning assets | 0.8776% | 512 |
| Net interest margin | 3.6459% | 3,078 |
| Noninterest income to average assets | 0.2229% | 5,572 |
| Noninterest expense to average assets | 3.3818% | 1,746 |
| Loan and lease loss provision to assets | 0.1383% | 1,757 |
| Net operating income to assets | 0.1307% | 5,967 |
| Return on assets (ROA) | 0.1307% | 6,001 |
| Pretax return on assets | 0.2152% | 5,897 |
| Return on Equity (ROE) | 1.1956% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.1956% | 5,127 |
| Net charge-offs to loans | 0.7189% | 489 |
| Credit loss provision to net charge-offs | 24.0000% | 2,461 |
| Earnings coverage of net charge-offs (x) | 0.6133% | 3,295 |
| Efficiency ratio | 90.5350% | 985 |
| Assets per employee ($millions) | 3.0856% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 5,456 |
| Loan loss allowance to noncurrent loans | 349.1803% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 4,796 |
| Noncurrent loans to loans | 0.2909% | 5,243 |
| Net loans and leases to total assets | 79.1292% | 646 |
| Net loans and leases to deposits | 90.1858% | 1,123 |
| Net loans and leases to core deposits | 90.6882% | 1,853 |
| Total domestic deposits to total assets | 87.7402% | 2,392 |
| Equity capital to assets | 10.8586% | 2,869 |
| Core capital (leverage) ratio | 11.0138% | 2,377 |
| Tier 1 risk-based capital ratio | 22.7767% | 1,164 |
| Total risk-based capital ratio | 24.0323% | 1,151 |
| Memoranda: | ||
| Average total assets | $52,044,000 | 5,911 |
| Average earning assets | $50,138,500 | 5,837 |
| Average equity | $5,687,500 | 5,822 |
| Average total loans | $41,731,000 | 5,250 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 1,563 |
| Cost of funding earning assets | 0.9576% | 558 |
| Net interest margin | 3.7463% | 2,869 |
| Noninterest income to average assets | 0.3763% | 4,618 |
| Noninterest expense to average assets | 3.2926% | 2,167 |
| Loan and lease loss provision to assets | 0.4120% | 720 |
| Net operating income to assets | 0.1957% | 5,832 |
| Return on assets (ROA) | 0.1957% | 5,900 |
| Pretax return on assets | 0.2785% | 5,782 |
| Return on Equity (ROE) | 1.8476% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.8476% | 4,922 |
| Net charge-offs to loans | 0.6249% | 1,049 |
| Credit loss provision to net charge-offs | 84.5560% | 2,910 |
| Earnings coverage of net charge-offs (x) | 1.4170% | 4,582 |
| Efficiency ratio | 82.6641% | 1,792 |
| Assets per employee ($millions) | 2.8684% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 4,831 |
| Loan loss allowance to noncurrent loans | 254.7368% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 4,721 |
| Noncurrent loans to loans | 0.4575% | 4,853 |
| Net loans and leases to total assets | 79.4933% | 652 |
| Net loans and leases to deposits | 90.2959% | 1,212 |
| Net loans and leases to core deposits | 90.8033% | 1,926 |
| Total domestic deposits to total assets | 88.0365% | 2,155 |
| Equity capital to assets | 10.9990% | 2,613 |
| Core capital (leverage) ratio | 10.8968% | 2,479 |
| Tier 1 risk-based capital ratio | 22.8623% | 1,118 |
| Total risk-based capital ratio | 24.1224% | 1,092 |
| Memoranda: | ||
| Average total assets | $53,149,400 | 5,934 |
| Average earning assets | $51,170,600 | 5,858 |
| Average equity | $5,629,000 | 5,896 |
| Average total loans | $41,446,400 | 5,288 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 1,456 |
| Cost of funding earning assets | 0.9677% | 584 |
| Net interest margin | 3.7906% | 2,676 |
| Noninterest income to average assets | 0.2341% | 5,759 |
| Noninterest expense to average assets | 3.2729% | 2,135 |
| Loan and lease loss provision to assets | 0.3113% | 1,085 |
| Net operating income to assets | 0.2167% | 5,872 |
| Return on assets (ROA) | 0.2167% | 5,950 |
| Pretax return on assets | 0.2989% | 5,878 |
| Return on Equity (ROE) | 2.0653% | 5,917 |
| Retained earnings to average equity (ytd only) | 2.0653% | 5,092 |
| Net charge-offs to loans | 0.6437% | 951 |
| Credit loss provision to net charge-offs | 62.5000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 1.2250% | 4,431 |
| Efficiency ratio | 84.2848% | 1,562 |
| Assets per employee ($millions) | 2.9009% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 5,408 |
| Loan loss allowance to noncurrent loans | 183.2653% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 5,021 |
| Noncurrent loans to loans | 0.5888% | 4,730 |
| Net loans and leases to total assets | 78.8287% | 665 |
| Net loans and leases to deposits | 90.4461% | 1,116 |
| Net loans and leases to core deposits | 90.9456% | 1,878 |
| Total domestic deposits to total assets | 87.1555% | 2,597 |
| Equity capital to assets | 10.8432% | 2,922 |
| Core capital (leverage) ratio | 10.7702% | 2,701 |
| Tier 1 risk-based capital ratio | 22.6670% | 1,202 |
| Total risk-based capital ratio | 23.9241% | 1,180 |
| Memoranda: | ||
| Average total assets | $53,528,750 | 5,995 |
| Average earning assets | $51,530,250 | 5,913 |
| Average equity | $5,616,500 | 5,970 |
| Average total loans | $41,426,000 | 5,340 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 1,400 |
| Cost of funding earning assets | 0.9776% | 605 |
| Net interest margin | 3.7910% | 2,586 |
| Noninterest income to average assets | 0.2372% | 5,747 |
| Noninterest expense to average assets | 3.2094% | 2,332 |
| Loan and lease loss provision to assets | 0.3965% | 790 |
| Net operating income to assets | 0.2187% | 5,843 |
| Return on assets (ROA) | 0.2187% | 5,974 |
| Pretax return on assets | 0.2817% | 5,919 |
| Return on Equity (ROE) | 2.1066% | 5,918 |
| Retained earnings to average equity (ytd only) | 2.1066% | 4,929 |
| Net charge-offs to loans | 0.9670% | 637 |
| Credit loss provision to net charge-offs | 53.5000% | 3,148 |
| Earnings coverage of net charge-offs (x) | 0.9150% | 4,222 |
| Efficiency ratio | 82.5548% | 1,814 |
| Assets per employee ($millions) | 3.1209% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 5,576 |
| Loan loss allowance to noncurrent loans | 173.7903% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 4,959 |
| Noncurrent loans to loans | 0.6101% | 4,731 |
| Net loans and leases to total assets | 75.8006% | 1,003 |
| Net loans and leases to deposits | 86.5456% | 1,506 |
| Net loans and leases to core deposits | 87.0137% | 2,229 |
| Total domestic deposits to total assets | 87.5846% | 2,499 |
| Equity capital to assets | 10.6173% | 3,151 |
| Core capital (leverage) ratio | 10.5451% | 2,825 |
| Tier 1 risk-based capital ratio | 22.9040% | 1,147 |
| Total risk-based capital ratio | 24.1604% | 1,134 |
| Memoranda: | ||
| Average total assets | $53,966,000 | 6,021 |
| Average earning assets | $51,965,000 | 5,938 |
| Average equity | $5,601,330 | 6,018 |
| Average total loans | $41,364,330 | 5,365 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 1,296 |
| Cost of funding earning assets | 1.0235% | 541 |
| Net interest margin | 3.7732% | 2,549 |
| Noninterest income to average assets | 0.2793% | 5,458 |
| Noninterest expense to average assets | 3.4839% | 1,652 |
| Loan and lease loss provision to assets | 0.1764% | 2,104 |
| Net operating income to assets | 0.1544% | 6,028 |
| Return on assets (ROA) | 0.1544% | 6,125 |
| Pretax return on assets | 0.2499% | 5,957 |
| Return on Equity (ROE) | 1.5039% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.5039% | 5,232 |
| Net charge-offs to loans | 0.3739% | 1,521 |
| Credit loss provision to net charge-offs | 61.5385% | 2,420 |
| Earnings coverage of net charge-offs (x) | 1.4872% | 3,337 |
| Efficiency ratio | 89.0977% | 1,227 |
| Assets per employee ($millions) | 2.8325% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 5,057 |
| Loan loss allowance to noncurrent loans | 1,885.1852% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 6,459 |
| Noncurrent loans to loans | 0.0651% | 6,284 |
| Net loans and leases to total assets | 76.0768% | 829 |
| Net loans and leases to deposits | 87.1907% | 1,224 |
| Net loans and leases to core deposits | 87.1907% | 1,991 |
| Total domestic deposits to total assets | 87.2533% | 2,791 |
| Equity capital to assets | 10.3980% | 3,673 |
| Core capital (leverage) ratio | 10.3980% | 2,906 |
| Tier 1 risk-based capital ratio | 22.1229% | 1,310 |
| Total risk-based capital ratio | 23.3841% | 1,278 |
| Memoranda: | ||
| Average total assets | $54,421,500 | 6,065 |
| Average earning assets | $52,369,000 | 5,970 |
| Average equity | $5,585,500 | 6,076 |
| Average total loans | $41,723,000 | 5,387 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 1,533 |
| Cost of funding earning assets | 1.1488% | 737 |
| Net interest margin | 3.8616% | 2,978 |
| Noninterest income to average assets | 0.2213% | 5,855 |
| Noninterest expense to average assets | 3.4118% | 2,020 |
| Loan and lease loss provision to assets | 0.1606% | 3,609 |
| Net operating income to assets | 0.2284% | 5,704 |
| Return on assets (ROA) | 0.2284% | 5,901 |
| Pretax return on assets | 0.3676% | 5,662 |
| Return on Equity (ROE) | 2.3188% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.3188% | 4,607 |
| Net charge-offs to loans | 0.4382% | 2,480 |
| Credit loss provision to net charge-offs | 47.6190% | 4,747 |
| Earnings coverage of net charge-offs (x) | 1.5661% | 4,658 |
| Efficiency ratio | 86.5942% | 1,369 |
| Assets per employee ($millions) | 2.8961% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 4,889 |
| Loan loss allowance to noncurrent loans | 518.8119% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 5,773 |
| Noncurrent loans to loans | 0.2405% | 5,878 |
| Net loans and leases to total assets | 75.3657% | 1,006 |
| Net loans and leases to deposits | 86.6178% | 1,427 |
| Net loans and leases to core deposits | 87.0761% | 2,183 |
| Total domestic deposits to total assets | 87.0095% | 2,843 |
| Equity capital to assets | 10.1318% | 3,998 |
| Core capital (leverage) ratio | 10.1318% | 3,230 |
| Tier 1 risk-based capital ratio | 21.5634% | 1,341 |
| Total risk-based capital ratio | 22.8321% | 1,315 |
| Memoranda: | ||
| Average total assets | $56,041,200 | 6,023 |
| Average earning assets | $53,967,600 | 5,929 |
| Average equity | $5,520,000 | 6,140 |
| Average total loans | $43,135,000 | 5,370 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0575% | 1,541 |
| Cost of funding earning assets | 1.1630% | 822 |
| Net interest margin | 3.8946% | 2,927 |
| Noninterest income to average assets | 0.2013% | 6,090 |
| Noninterest expense to average assets | 3.3726% | 2,076 |
| Loan and lease loss provision to assets | 0.1705% | 3,420 |
| Net operating income to assets | 0.2558% | 5,767 |
| Return on assets (ROA) | 0.2558% | 5,957 |
| Pretax return on assets | 0.4097% | 5,695 |
| Return on Equity (ROE) | 2.6152% | 5,842 |
| Retained earnings to average equity (ytd only) | 2.6152% | 4,999 |
| Net charge-offs to loans | 0.3501% | 2,701 |
| Credit loss provision to net charge-offs | 63.1579% | 4,070 |
| Earnings coverage of net charge-offs (x) | 2.1491% | 4,191 |
| Efficiency ratio | 85.3206% | 1,446 |
| Assets per employee ($millions) | 2.9277% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 4,545 |
| Loan loss allowance to noncurrent loans | 726.2500% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 5,940 |
| Noncurrent loans to loans | 0.1870% | 6,143 |
| Net loans and leases to total assets | 75.8606% | 995 |
| Net loans and leases to deposits | 87.8761% | 1,367 |
| Net loans and leases to core deposits | 88.3490% | 2,176 |
| Total domestic deposits to total assets | 86.3268% | 3,069 |
| Equity capital to assets | 9.9862% | 4,510 |
| Core capital (leverage) ratio | 9.9862% | 3,566 |
| Tier 1 risk-based capital ratio | 21.2201% | 1,472 |
| Total risk-based capital ratio | 22.4807% | 1,440 |
| Memoranda: | ||
| Average total assets | $56,295,250 | 6,083 |
| Average earning assets | $54,228,000 | 5,985 |
| Average equity | $5,506,250 | 6,214 |
| Average total loans | $43,420,250 | 5,416 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1183% | 1,461 |
| Cost of funding earning assets | 1.1823% | 886 |
| Net interest margin | 3.9360% | 2,761 |
| Noninterest income to average assets | 0.1982% | 6,137 |
| Noninterest expense to average assets | 3.3370% | 2,194 |
| Loan and lease loss provision to assets | 0.1911% | 3,186 |
| Net operating income to assets | 0.2937% | 5,642 |
| Return on assets (ROA) | 0.2937% | 5,844 |
| Pretax return on assets | 0.4636% | 5,535 |
| Return on Equity (ROE) | 3.0237% | 5,686 |
| Retained earnings to average equity (ytd only) | 3.0237% | 4,629 |
| Net charge-offs to loans | 0.1375% | 3,821 |
| Credit loss provision to net charge-offs | 180.0000% | 1,567 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,684 |
| Efficiency ratio | 83.5993% | 1,673 |
| Assets per employee ($millions) | 2.7934% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 4,038 |
| Loan loss allowance to noncurrent loans | 1,617.5000% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 6,634 |
| Noncurrent loans to loans | 0.0923% | 6,432 |
| Net loans and leases to total assets | 76.3993% | 918 |
| Net loans and leases to deposits | 87.9225% | 1,371 |
| Net loans and leases to core deposits | 89.4182% | 2,040 |
| Total domestic deposits to total assets | 86.8939% | 2,833 |
| Equity capital to assets | 9.8985% | 4,491 |
| Core capital (leverage) ratio | 9.8985% | 3,576 |
| Tier 1 risk-based capital ratio | 20.9200% | 1,496 |
| Total risk-based capital ratio | 22.1836% | 1,463 |
| Memoranda: | ||
| Average total assets | $56,518,000 | 6,125 |
| Average earning assets | $54,471,670 | 6,019 |
| Average equity | $5,490,000 | 6,245 |
| Average total loans | $43,633,670 | 5,443 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 1,331 |
| Cost of funding earning assets | 1.2051% | 960 |
| Net interest margin | 3.9879% | 2,559 |
| Noninterest income to average assets | 0.1830% | 6,281 |
| Noninterest expense to average assets | 3.3425% | 2,162 |
| Loan and lease loss provision to assets | 0.1900% | 3,057 |
| Net operating income to assets | 0.3167% | 5,605 |
| Return on assets (ROA) | 0.3167% | 5,765 |
| Pretax return on assets | 0.4926% | 5,452 |
| Return on Equity (ROE) | 3.2907% | 5,597 |
| Retained earnings to average equity (ytd only) | 3.2907% | 4,595 |
| Net charge-offs to loans | 0.2741% | 2,575 |
| Credit loss provision to net charge-offs | 90.0000% | 2,546 |
| Earnings coverage of net charge-offs (x) | 3.2333% | 2,908 |
| Efficiency ratio | 83.0420% | 1,796 |
| Assets per employee ($millions) | 2.9792% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 76.2724% | 772 |
| Net loans and leases to deposits | 87.8699% | 1,184 |
| Net loans and leases to core deposits | 89.4446% | 1,908 |
| Total domestic deposits to total assets | 86.8015% | 3,066 |
| Equity capital to assets | 9.7041% | 4,514 |
| Core capital (leverage) ratio | 9.7041% | 3,764 |
| Tier 1 risk-based capital ratio | 20.4520% | 1,602 |
| Total risk-based capital ratio | 21.7105% | 1,574 |
| Memoranda: | ||
| Average total assets | $56,843,500 | 6,159 |
| Average earning assets | $54,765,500 | 6,045 |
| Average equity | $5,470,000 | 6,290 |
| Average total loans | $43,786,000 | 5,476 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 1,535 |
| Cost of funding earning assets | 1.4882% | 748 |
| Net interest margin | 3.8711% | 3,470 |
| Noninterest income to average assets | 0.2930% | 5,438 |
| Noninterest expense to average assets | 3.3787% | 2,295 |
| Loan and lease loss provision to assets | 0.2895% | 3,351 |
| Net operating income to assets | 0.2150% | 5,545 |
| Return on assets (ROA) | 0.2150% | 5,683 |
| Pretax return on assets | 0.3450% | 5,439 |
| Return on Equity (ROE) | 2.3041% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.3041% | 4,576 |
| Net charge-offs to loans | 0.2051% | 4,517 |
| Credit loss provision to net charge-offs | 179.5699% | 1,453 |
| Earnings coverage of net charge-offs (x) | 3.9355% | 3,330 |
| Efficiency ratio | 84.1901% | 1,745 |
| Assets per employee ($millions) | 3.0043% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 4,349 |
| Loan loss allowance to noncurrent loans | 307.3892% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 6,090 |
| Noncurrent loans to loans | 0.4637% | 5,785 |
| Net loans and leases to total assets | 75.6000% | 1,008 |
| Net loans and leases to deposits | 87.7631% | 1,414 |
| Net loans and leases to core deposits | 88.7741% | 2,285 |
| Total domestic deposits to total assets | 86.1410% | 3,234 |
| Equity capital to assets | 9.5424% | 4,811 |
| Core capital (leverage) ratio | 9.5424% | 3,959 |
| Tier 1 risk-based capital ratio | 20.2943% | 1,569 |
| Total risk-based capital ratio | 21.5574% | 1,545 |
| Memoranda: | ||
| Average total assets | $57,684,800 | 6,120 |
| Average earning assets | $55,437,000 | 6,006 |
| Average equity | $5,381,800 | 6,329 |
| Average total loans | $45,340,400 | 5,451 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3970% | 1,514 |
| Cost of funding earning assets | 1.5245% | 783 |
| Net interest margin | 3.8725% | 3,512 |
| Noninterest income to average assets | 0.3320% | 5,208 |
| Noninterest expense to average assets | 3.4142% | 2,154 |
| Loan and lease loss provision to assets | 0.3251% | 2,933 |
| Net operating income to assets | 0.1913% | 5,723 |
| Return on assets (ROA) | 0.1913% | 5,855 |
| Pretax return on assets | 0.3112% | 5,679 |
| Return on Equity (ROE) | 2.0624% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.0624% | 5,105 |
| Net charge-offs to loans | 0.4811% | 2,813 |
| Credit loss provision to net charge-offs | 85.4545% | 3,948 |
| Earnings coverage of net charge-offs (x) | 1.6728% | 4,398 |
| Efficiency ratio | 84.2914% | 1,706 |
| Assets per employee ($millions) | 3.0464% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 5,481 |
| Loan loss allowance to noncurrent loans | 437.5000% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 6,492 |
| Noncurrent loans to loans | 0.2735% | 6,322 |
| Net loans and leases to total assets | 74.8920% | 1,160 |
| Net loans and leases to deposits | 87.3655% | 1,512 |
| Net loans and leases to core deposits | 88.3610% | 2,443 |
| Total domestic deposits to total assets | 85.7227% | 3,365 |
| Equity capital to assets | 9.3397% | 5,317 |
| Core capital (leverage) ratio | 9.3397% | 4,395 |
| Tier 1 risk-based capital ratio | 20.1139% | 1,658 |
| Total risk-based capital ratio | 21.3714% | 1,625 |
| Memoranda: | ||
| Average total assets | $57,835,500 | 6,156 |
| Average earning assets | $55,535,250 | 6,050 |
| Average equity | $5,365,500 | 6,379 |
| Average total loans | $45,731,000 | 5,480 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 1,276 |
| Cost of funding earning assets | 1.5329% | 885 |
| Net interest margin | 3.9782% | 2,951 |
| Noninterest income to average assets | 0.3597% | 5,006 |
| Noninterest expense to average assets | 3.4556% | 2,106 |
| Loan and lease loss provision to assets | 0.3701% | 2,571 |
| Net operating income to assets | 0.2145% | 5,690 |
| Return on assets (ROA) | 0.2145% | 5,806 |
| Pretax return on assets | 0.3494% | 5,548 |
| Return on Equity (ROE) | 2.3169% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.3169% | 4,813 |
| Net charge-offs to loans | 0.4488% | 2,782 |
| Credit loss provision to net charge-offs | 102.8846% | 3,007 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,870 |
| Efficiency ratio | 82.7672% | 1,982 |
| Assets per employee ($millions) | 3.0180% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 5,441 |
| Loan loss allowance to noncurrent loans | 1,672.7273% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 6,884 |
| Noncurrent loans to loans | 0.0732% | 6,797 |
| Net loans and leases to total assets | 77.6255% | 825 |
| Net loans and leases to deposits | 90.6078% | 1,213 |
| Net loans and leases to core deposits | 92.4118% | 2,082 |
| Total domestic deposits to total assets | 85.6719% | 3,506 |
| Equity capital to assets | 9.3910% | 4,993 |
| Core capital (leverage) ratio | 9.3910% | 4,126 |
| Tier 1 risk-based capital ratio | 19.5726% | 1,698 |
| Total risk-based capital ratio | 20.8302% | 1,671 |
| Memoranda: | ||
| Average total assets | $57,820,000 | 6,213 |
| Average earning assets | $55,452,000 | 6,106 |
| Average equity | $5,352,000 | 6,427 |
| Average total loans | $46,350,000 | 5,507 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5169% | 1,251 |
| Cost of funding earning assets | 1.5465% | 991 |
| Net interest margin | 3.9704% | 2,821 |
| Noninterest income to average assets | 0.3996% | 4,699 |
| Noninterest expense to average assets | 3.4586% | 2,121 |
| Loan and lease loss provision to assets | 0.4478% | 1,970 |
| Net operating income to assets | 0.1791% | 5,850 |
| Return on assets (ROA) | 0.1791% | 5,905 |
| Pretax return on assets | 0.2963% | 5,666 |
| Return on Equity (ROE) | 1.9492% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.9492% | 4,955 |
| Net charge-offs to loans | 0.3490% | 2,667 |
| Credit loss provision to net charge-offs | 158.5366% | 1,811 |
| Earnings coverage of net charge-offs (x) | 2.6341% | 3,026 |
| Efficiency ratio | 82.2951% | 2,179 |
| Assets per employee ($millions) | 3.0367% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 5,454 |
| Loan loss allowance to noncurrent loans | 248.0519% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 6,155 |
| Noncurrent loans to loans | 0.4989% | 6,022 |
| Net loans and leases to total assets | 79.2606% | 593 |
| Net loans and leases to deposits | 92.6291% | 968 |
| Net loans and leases to core deposits | 94.4602% | 1,835 |
| Total domestic deposits to total assets | 85.5677% | 3,746 |
| Equity capital to assets | 9.2708% | 4,780 |
| Core capital (leverage) ratio | 9.2708% | 4,170 |
| Tier 1 risk-based capital ratio | 18.9057% | 1,822 |
| Total risk-based capital ratio | 20.1640% | 1,784 |
| Memoranda: | ||
| Average total assets | $58,059,000 | 6,256 |
| Average earning assets | $55,611,000 | 6,140 |
| Average equity | $5,335,500 | 6,444 |
| Average total loans | $46,993,000 | 5,519 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6596% | 1,717 |
| Cost of funding earning assets | 1.7681% | 1,307 |
| Net interest margin | 3.8915% | 3,533 |
| Noninterest income to average assets | 0.1963% | 6,369 |
| Noninterest expense to average assets | 3.0119% | 3,802 |
| Loan and lease loss provision to assets | 0.6642% | 2,487 |
| Net operating income to assets | 0.1701% | 5,374 |
| Return on assets (ROA) | 0.1701% | 5,534 |
| Pretax return on assets | 0.2470% | 5,366 |
| Return on Equity (ROE) | 1.9752% | 5,385 |
| Retained earnings to average equity (ytd only) | 1.9752% | 4,479 |
| Net charge-offs to loans | 0.5573% | 3,391 |
| Credit loss provision to net charge-offs | 146.0432% | 2,523 |
| Earnings coverage of net charge-offs (x) | 2.0036% | 4,236 |
| Efficiency ratio | 76.7723% | 2,908 |
| Assets per employee ($millions) | 3.0748% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 5,704 |
| Loan loss allowance to noncurrent loans | 418.1818% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 5,994 |
| Noncurrent loans to loans | 0.2768% | 6,508 |
| Net loans and leases to total assets | 80.6730% | 577 |
| Net loans and leases to deposits | 94.9226% | 965 |
| Net loans and leases to core deposits | 95.9995% | 2,014 |
| Total domestic deposits to total assets | 84.9883% | 3,851 |
| Equity capital to assets | 9.1097% | 4,981 |
| Core capital (leverage) ratio | 9.1097% | 4,345 |
| Tier 1 risk-based capital ratio | 18.1242% | 1,962 |
| Total risk-based capital ratio | 19.3809% | 1,925 |
| Memoranda: | ||
| Average total assets | $61,123,200 | 6,157 |
| Average earning assets | $58,538,200 | 6,042 |
| Average equity | $5,265,400 | 6,572 |
| Average total loans | $49,886,200 | 5,488 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6544% | 1,871 |
| Cost of funding earning assets | 1.8127% | 1,370 |
| Net interest margin | 3.8416% | 3,790 |
| Noninterest income to average assets | 0.1855% | 6,551 |
| Noninterest expense to average assets | 2.9234% | 4,001 |
| Loan and lease loss provision to assets | 0.7443% | 2,054 |
| Net operating income to assets | 0.1445% | 5,651 |
| Return on assets (ROA) | 0.1445% | 5,813 |
| Pretax return on assets | 0.1985% | 5,738 |
| Return on Equity (ROE) | 1.7011% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.7011% | 5,109 |
| Net charge-offs to loans | 0.6001% | 2,939 |
| Credit loss provision to net charge-offs | 151.9824% | 2,556 |
| Earnings coverage of net charge-offs (x) | 1.9251% | 4,264 |
| Efficiency ratio | 75.6138% | 3,018 |
| Assets per employee ($millions) | 3.1718% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,836 |
| Loan loss allowance to noncurrent loans | 412.9771% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 5,748 |
| Noncurrent loans to loans | 0.2725% | 6,644 |
| Net loans and leases to total assets | 78.8617% | 909 |
| Net loans and leases to deposits | 93.0314% | 1,327 |
| Net loans and leases to core deposits | 94.0532% | 2,518 |
| Total domestic deposits to total assets | 84.7689% | 3,739 |
| Equity capital to assets | 8.7713% | 5,900 |
| Core capital (leverage) ratio | 8.7713% | 5,065 |
| Tier 1 risk-based capital ratio | 17.8334% | 2,066 |
| Total risk-based capital ratio | 19.0918% | 2,032 |
| Memoranda: | ||
| Average total assets | $61,798,750 | 6,201 |
| Average earning assets | $59,209,250 | 6,090 |
| Average equity | $5,251,250 | 6,655 |
| Average total loans | $50,437,250 | 5,551 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6292% | 2,028 |
| Cost of funding earning assets | 1.8675% | 1,347 |
| Net interest margin | 3.7617% | 4,083 |
| Noninterest income to average assets | 0.1444% | 6,864 |
| Noninterest expense to average assets | 2.8182% | 4,400 |
| Loan and lease loss provision to assets | 0.7703% | 1,868 |
| Net operating income to assets | 0.1348% | 5,772 |
| Return on assets (ROA) | 0.1348% | 5,881 |
| Pretax return on assets | 0.1637% | 5,856 |
| Return on Equity (ROE) | 1.6032% | 5,759 |
| Retained earnings to average equity (ytd only) | 1.6032% | 5,061 |
| Net charge-offs to loans | 0.6637% | 2,551 |
| Credit loss provision to net charge-offs | 141.1765% | 2,828 |
| Earnings coverage of net charge-offs (x) | 1.7118% | 4,223 |
| Efficiency ratio | 75.1069% | 3,243 |
| Assets per employee ($millions) | 3.2958% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 6,463 |
| Loan loss allowance to noncurrent loans | 123.2500% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 5,856 |
| Noncurrent loans to loans | 0.7992% | 5,675 |
| Net loans and leases to total assets | 79.1364% | 931 |
| Net loans and leases to deposits | 92.7772% | 1,426 |
| Net loans and leases to core deposits | 93.7513% | 2,757 |
| Total domestic deposits to total assets | 85.2973% | 3,466 |
| Equity capital to assets | 8.4013% | 6,300 |
| Core capital (leverage) ratio | 8.4013% | 5,583 |
| Tier 1 risk-based capital ratio | 17.1084% | 2,234 |
| Total risk-based capital ratio | 18.3636% | 2,190 |
| Memoranda: | ||
| Average total assets | $62,310,000 | 6,219 |
| Average earning assets | $59,760,000 | 6,106 |
| Average equity | $5,239,670 | 6,702 |
| Average total loans | $51,227,330 | 5,556 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7611% | 1,594 |
| Cost of funding earning assets | 1.8957% | 1,467 |
| Net interest margin | 3.8654% | 3,482 |
| Noninterest income to average assets | 0.2059% | 6,489 |
| Noninterest expense to average assets | 2.6515% | 5,139 |
| Loan and lease loss provision to assets | 1.0426% | 1,184 |
| Net operating income to assets | 0.1287% | 5,933 |
| Return on assets (ROA) | 0.1287% | 6,055 |
| Pretax return on assets | 0.2124% | 5,842 |
| Return on Equity (ROE) | 1.5299% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.5299% | 5,179 |
| Net charge-offs to loans | 0.9109% | 1,759 |
| Credit loss provision to net charge-offs | 137.2881% | 2,571 |
| Earnings coverage of net charge-offs (x) | 1.6525% | 3,743 |
| Efficiency ratio | 67.8748% | 4,742 |
| Assets per employee ($millions) | 3.4510% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 6,787 |
| Loan loss allowance to noncurrent loans | 78.0936% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 5,014 |
| Noncurrent loans to loans | 1.1749% | 5,012 |
| Net loans and leases to total assets | 81.1826% | 688 |
| Net loans and leases to deposits | 95.8289% | 1,129 |
| Net loans and leases to core deposits | 96.3875% | 2,543 |
| Total domestic deposits to total assets | 84.7162% | 3,801 |
| Equity capital to assets | 8.4339% | 6,098 |
| Core capital (leverage) ratio | 8.4339% | 5,491 |
| Tier 1 risk-based capital ratio | 16.8089% | 2,339 |
| Total risk-based capital ratio | 18.0634% | 2,289 |
| Memoranda: | ||
| Average total assets | $62,154,500 | 6,302 |
| Average earning assets | $59,503,000 | 6,191 |
| Average equity | $5,229,000 | 6,767 |
| Average total loans | $51,816,500 | 5,595 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2034% | 1,230 |
| Cost of funding earning assets | 2.3065% | 1,627 |
| Net interest margin | 3.8969% | 3,282 |
| Noninterest income to average assets | 0.2236% | 6,513 |
| Noninterest expense to average assets | 3.0425% | 3,977 |
| Loan and lease loss provision to assets | 0.7258% | 2,937 |
| Net operating income to assets | 0.1233% | 5,135 |
| Return on assets (ROA) | 0.1669% | 5,075 |
| Pretax return on assets | 0.2706% | 4,843 |
| Return on Equity (ROE) | 1.9959% | 4,906 |
| Retained earnings to average equity (ytd only) | 1.9959% | 3,707 |
| Net charge-offs to loans | 0.4689% | 3,904 |
| Credit loss provision to net charge-offs | 174.3191% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.2296% | 4,047 |
| Efficiency ratio | 76.6218% | 3,420 |
| Assets per employee ($millions) | 3.4551% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 7,134 |
| Loan loss allowance to noncurrent loans | 84.7082% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.2751% | 4,536 |
| Noncurrent loans to loans | 0.9424% | 5,430 |
| Net loans and leases to total assets | 84.1215% | 417 |
| Net loans and leases to deposits | 99.7959% | 922 |
| Net loans and leases to core deposits | 126.8943% | 1,455 |
| Total domestic deposits to total assets | 84.2935% | 3,897 |
| Equity capital to assets | 8.3919% | 6,066 |
| Core capital (leverage) ratio | 8.3919% | 5,454 |
| Tier 1 risk-based capital ratio | 15.9578% | 2,544 |
| Total risk-based capital ratio | 17.2084% | 2,470 |
| Memoranda: | ||
| Average total assets | $61,725,000 | 6,280 |
| Average earning assets | $59,354,400 | 6,146 |
| Average equity | $5,160,600 | 6,884 |
| Average total loans | $54,803,800 | 5,470 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2743% | 1,190 |
| Cost of funding earning assets | 2.4014% | 1,630 |
| Net interest margin | 3.8728% | 3,333 |
| Noninterest income to average assets | 0.2229% | 6,632 |
| Noninterest expense to average assets | 3.1272% | 3,550 |
| Loan and lease loss provision to assets | 0.7033% | 2,624 |
| Net operating income to assets | 0.0717% | 5,553 |
| Return on assets (ROA) | 0.1299% | 5,443 |
| Pretax return on assets | 0.2143% | 5,264 |
| Return on Equity (ROE) | 1.5546% | 5,313 |
| Retained earnings to average equity (ytd only) | 1.5546% | 4,444 |
| Net charge-offs to loans | 0.3133% | 4,082 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 2.9384% | 3,759 |
| Efficiency ratio | 79.0914% | 2,980 |
| Assets per employee ($millions) | 3.3201% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 7,179 |
| Loan loss allowance to noncurrent loans | 150.7092% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 6,342 |
| Noncurrent loans to loans | 0.5180% | 6,269 |
| Net loans and leases to total assets | 85.6343% | 378 |
| Net loans and leases to deposits | 101.7173% | 948 |
| Net loans and leases to core deposits | 128.5554% | 1,534 |
| Total domestic deposits to total assets | 84.1886% | 3,636 |
| Equity capital to assets | 8.2037% | 6,636 |
| Core capital (leverage) ratio | 8.2037% | 6,007 |
| Tier 1 risk-based capital ratio | 15.5775% | 2,778 |
| Total risk-based capital ratio | 16.8267% | 2,714 |
| Memoranda: | ||
| Average total assets | $61,608,500 | 6,328 |
| Average earning assets | $59,352,250 | 6,194 |
| Average equity | $5,146,000 | 6,954 |
| Average total loans | $55,320,500 | 5,494 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4054% | 1,001 |
| Cost of funding earning assets | 2.5010% | 1,608 |
| Net interest margin | 3.9044% | 3,096 |
| Noninterest income to average assets | 0.2225% | 6,704 |
| Noninterest expense to average assets | 3.1742% | 3,415 |
| Loan and lease loss provision to assets | 0.8345% | 2,005 |
| Net operating income to assets | -0.0295% | 5,897 |
| Return on assets (ROA) | -0.0295% | 5,962 |
| Pretax return on assets | -0.0262% | 5,898 |
| Return on Equity (ROE) | -0.3504% | 5,972 |
| Retained earnings to average equity (ytd only) | -0.3504% | 5,308 |
| Net charge-offs to loans | 0.4675% | 2,960 |
| Credit loss provision to net charge-offs | 196.1538% | 2,327 |
| Earnings coverage of net charge-offs (x) | 1.9000% | 4,157 |
| Efficiency ratio | 79.7042% | 3,097 |
| Assets per employee ($millions) | 3.2892% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 7,642 |
| Loan loss allowance to noncurrent loans | 110.7744% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 5,904 |
| Noncurrent loans to loans | 0.5362% | 6,198 |
| Net loans and leases to total assets | 88.1078% | 230 |
| Net loans and leases to deposits | 105.4766% | 797 |
| Net loans and leases to core deposits | 137.2766% | 1,144 |
| Total domestic deposits to total assets | 83.5331% | 3,997 |
| Equity capital to assets | 8.1703% | 6,535 |
| Core capital (leverage) ratio | 8.1703% | 6,030 |
| Tier 1 risk-based capital ratio | 15.3301% | 2,879 |
| Total risk-based capital ratio | 16.3179% | 2,928 |
| Memoranda: | ||
| Average total assets | $61,117,670 | 6,407 |
| Average earning assets | $58,856,670 | 6,276 |
| Average equity | $5,136,330 | 7,016 |
| Average total loans | $55,612,670 | 5,529 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5983% | 709 |
| Cost of funding earning assets | 2.5251% | 1,824 |
| Net interest margin | 4.0732% | 2,391 |
| Noninterest income to average assets | 0.2052% | 6,820 |
| Noninterest expense to average assets | 3.2104% | 2,940 |
| Loan and lease loss provision to assets | 0.1655% | 4,813 |
| Net operating income to assets | 0.4832% | 4,500 |
| Return on assets (ROA) | 0.4832% | 4,692 |
| Pretax return on assets | 0.7480% | 4,263 |
| Return on Equity (ROE) | 5.6683% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.6683% | 2,791 |
| Net charge-offs to loans | 0.4092% | 2,467 |
| Credit loss provision to net charge-offs | 43.8596% | 4,764 |
| Earnings coverage of net charge-offs (x) | 2.4211% | 3,522 |
| Efficiency ratio | 77.8491% | 3,190 |
| Assets per employee ($millions) | 3.0531% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3074% | 8,024 |
| Loan loss allowance to noncurrent loans | 141.8033% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 6,931 |
| Noncurrent loans to loans | 0.2167% | 6,910 |
| Net loans and leases to total assets | 91.8968% | 65 |
| Net loans and leases to deposits | 110.5586% | 587 |
| Net loans and leases to core deposits | 146.0960% | 858 |
| Total domestic deposits to total assets | 83.1204% | 4,082 |
| Equity capital to assets | 8.4963% | 6,077 |
| Core capital (leverage) ratio | 8.4963% | 5,543 |
| Tier 1 risk-based capital ratio | 15.4198% | 2,886 |
| Total risk-based capital ratio | 15.9340% | 3,141 |
| Memoranda: | ||
| Average total assets | $60,429,000 | 6,456 |
| Average earning assets | $58,136,500 | 6,333 |
| Average equity | $5,151,500 | 7,064 |
| Average total loans | $55,723,000 | 5,552 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6163% | 2,405 |
| Cost of funding earning assets | 2.9414% | 2,092 |
| Net interest margin | 3.6749% | 4,582 |
| Noninterest income to average assets | 0.2142% | 6,904 |
| Noninterest expense to average assets | 3.0843% | 3,764 |
| Loan and lease loss provision to assets | 0.0313% | 7,015 |
| Net operating income to assets | 0.3936% | 5,175 |
| Return on assets (ROA) | 0.3936% | 4,991 |
| Pretax return on assets | 0.6148% | 4,648 |
| Return on Equity (ROE) | 4.5204% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.5204% | 2,315 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6797% | 2,220 |
| Assets per employee ($millions) | 2.5998% | 7,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3717% | 8,019 |
| Loan loss allowance to noncurrent loans | 181.4159% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 6,803 |
| Noncurrent loans to loans | 0.2049% | 6,774 |
| Net loans and leases to total assets | 91.9025% | 87 |
| Net loans and leases to deposits | 109.8223% | 846 |
| Net loans and leases to core deposits | 143.2250% | 1,126 |
| Total domestic deposits to total assets | 83.6829% | 3,487 |
| Equity capital to assets | 8.5541% | 6,007 |
| Core capital (leverage) ratio | 8.5541% | 5,475 |
| Tier 1 risk-based capital ratio | 15.3927% | 2,881 |
| Total risk-based capital ratio | 16.0096% | 3,091 |
| Memoranda: | ||
| Average total assets | $57,419,600 | 6,475 |
| Average earning assets | $54,939,800 | 6,373 |
| Average equity | $4,999,600 | 7,140 |
| Average total loans | $52,661,800 | 5,599 |