Home > Rayne Building and Loan Association > Performance and Condition Ratios
Rayne Building and Loan Association, 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 | 4.2449% | 3,538 |
| Cost of funding earning assets | 1.8184% | 1,218 |
| Net interest margin | 2.4265% | 4,163 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.6866% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0475% | 4,289 |
| Return on assets (ROA) | -0.0053% | 4,375 |
| Pretax return on assets | -0.0405% | 4,376 |
| Return on Equity (ROE) | -0.0200% | 4,347 |
| Retained earnings to average equity (ytd only) | -0.0228% | 4,085 |
| 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 | 99.0272% | 203 |
| Assets per employee ($millions) | 5.6034% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,282 |
| Loan loss allowance to noncurrent loans | 45.5235% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 377 |
| Noncurrent loans to loans | 2.2072% | 238 |
| Net loans and leases to total assets | 52.7500% | 3,432 |
| Net loans and leases to deposits | 71.0095% | 2,816 |
| Net loans and leases to core deposits | 91.6638% | 1,928 |
| Total domestic deposits to total assets | 74.2800% | 4,089 |
| Equity capital to assets | 24.4673% | 202 |
| Core capital (leverage) ratio | 28.9789% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $56,838,000 | 4,250 |
| Average earning assets | $49,660,000 | 4,256 |
| Average equity | $13,173,200 | 3,412 |
| Average total loans | $29,105,000 | 4,153 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,541 |
| Cost of funding earning assets | 1.6903% | 1,208 |
| Net interest margin | 2.4686% | 4,173 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.5736% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0238% | 4,446 |
| Return on assets (ROA) | -0.1660% | 4,474 |
| Pretax return on assets | -0.2080% | 4,473 |
| Return on Equity (ROE) | -0.7300% | 4,420 |
| Retained earnings to average equity (ytd only) | -0.7260% | 4,232 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 101.1949% | 163 |
| Assets per employee ($millions) | 5.7439% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 3,336 |
| Loan loss allowance to noncurrent loans | 49.9168% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0463% | 480 |
| Noncurrent loans to loans | 2.0121% | 301 |
| Net loans and leases to total assets | 51.4800% | 3,531 |
| Net loans and leases to deposits | 67.1832% | 3,045 |
| Net loans and leases to core deposits | 87.1860% | 2,112 |
| Total domestic deposits to total assets | 76.6300% | 3,960 |
| Equity capital to assets | 22.0982% | 237 |
| Core capital (leverage) ratio | 28.8206% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $57,039,000 | 4,261 |
| Average earning assets | $49,852,500 | 4,274 |
| Average equity | $13,039,000 | 3,416 |
| Average total loans | $28,917,000 | 4,174 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 3,432 |
| Cost of funding earning assets | 1.6038% | 1,054 |
| Net interest margin | 2.5243% | 4,185 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.6078% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0562% | 4,388 |
| Return on assets (ROA) | 0.1019% | 4,390 |
| Pretax return on assets | 0.0422% | 4,426 |
| Return on Equity (ROE) | 0.4400% | 4,407 |
| Retained earnings to average equity (ytd only) | 0.4409% | 3,996 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 100.1350% | 170 |
| Assets per employee ($millions) | 6.2283% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,280 |
| Loan loss allowance to noncurrent loans | 120.4819% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 1,198 |
| Noncurrent loans to loans | 0.8571% | 887 |
| Net loans and leases to total assets | 51.2900% | 3,464 |
| Net loans and leases to deposits | 68.2922% | 2,905 |
| Net loans and leases to core deposits | 84.9892% | 2,142 |
| Total domestic deposits to total assets | 75.1000% | 4,108 |
| Equity capital to assets | 23.3806% | 209 |
| Core capital (leverage) ratio | 28.7412% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $56,905,667 | 4,283 |
| Average earning assets | $49,755,667 | 4,298 |
| Average equity | $13,154,333 | 3,423 |
| Average total loans | $28,599,333 | 4,190 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,391 |
| Cost of funding earning assets | 1.5062% | 835 |
| Net interest margin | 2.5262% | 4,280 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.5606% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1176% | 4,421 |
| Return on assets (ROA) | 0.0349% | 4,446 |
| Pretax return on assets | -0.0698% | 4,496 |
| Return on Equity (ROE) | 0.1500% | 4,441 |
| Retained earnings to average equity (ytd only) | 0.1518% | 3,997 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.6559% | 192 |
| Assets per employee ($millions) | 5.7360% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,383 |
| Loan loss allowance to noncurrent loans | 491.8033% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 2,782 |
| Noncurrent loans to loans | 0.2096% | 2,426 |
| Net loans and leases to total assets | 50.2100% | 3,481 |
| Net loans and leases to deposits | 66.2945% | 2,910 |
| Net loans and leases to core deposits | 82.5314% | 2,088 |
| Total domestic deposits to total assets | 75.7400% | 4,173 |
| Equity capital to assets | 23.1346% | 175 |
| Core capital (leverage) ratio | 28.3089% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $57,331,000 | 4,336 |
| Average earning assets | $50,194,000 | 4,351 |
| Average equity | $13,178,500 | 3,461 |
| Average total loans | $28,373,500 | 4,252 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 2,721 |
| Cost of funding earning assets | 0.8381% | 343 |
| Net interest margin | 2.7877% | 3,917 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.8828% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4620% | 4,151 |
| Return on assets (ROA) | 0.2266% | 4,408 |
| Pretax return on assets | 0.0720% | 4,512 |
| Return on Equity (ROE) | 0.9200% | 4,497 |
| Retained earnings to average equity (ytd only) | 0.9219% | 4,217 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.3634% | 291 |
| Assets per employee ($millions) | 5.7302% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 2,961 |
| Loan loss allowance to noncurrent loans | 113.2075% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 1,098 |
| Noncurrent loans to loans | 0.9585% | 778 |
| Net loans and leases to total assets | 47.7200% | 3,689 |
| Net loans and leases to deposits | 62.7619% | 3,130 |
| Net loans and leases to core deposits | 78.0266% | 2,272 |
| Total domestic deposits to total assets | 76.0400% | 4,249 |
| Equity capital to assets | 22.8386% | 176 |
| Core capital (leverage) ratio | 28.9687% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $56,924,600 | 4,370 |
| Average earning assets | $50,113,200 | 4,372 |
| Average equity | $13,993,200 | 3,468 |
| Average total loans | $23,214,800 | 4,355 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 2,466 |
| Cost of funding earning assets | 0.7344% | 218 |
| Net interest margin | 2.8154% | 3,700 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.8388% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6006% | 3,831 |
| Return on assets (ROA) | 0.4106% | 4,164 |
| Pretax return on assets | 0.2065% | 4,457 |
| Return on Equity (ROE) | 1.6400% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.6409% | 4,103 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.7447% | 393 |
| Assets per employee ($millions) | 5.3180% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,476 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,625 |
| Noncurrent loans to loans | 0.0645% | 3,411 |
| Net loans and leases to total assets | 46.0600% | 3,754 |
| Net loans and leases to deposits | 61.6232% | 3,054 |
| Net loans and leases to core deposits | 70.1131% | 2,633 |
| Total domestic deposits to total assets | 74.7400% | 4,424 |
| Equity capital to assets | 24.0560% | 151 |
| Core capital (leverage) ratio | 29.6344% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $56,830,250 | 4,406 |
| Average earning assets | $50,104,750 | 4,403 |
| Average equity | $14,219,750 | 3,486 |
| Average total loans | $22,107,000 | 4,407 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4559% | 2,275 |
| Cost of funding earning assets | 0.7300% | 135 |
| Net interest margin | 2.7259% | 3,649 |
| Noninterest income to average assets | 0.9234% | 798 |
| Noninterest expense to average assets | 2.8701% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7683% | 3,072 |
| Return on assets (ROA) | 0.7201% | 3,193 |
| Pretax return on assets | 0.4238% | 4,122 |
| Return on Equity (ROE) | 2.8444% | 4,232 |
| Retained earnings to average equity (ytd only) | 2.8444% | 3,491 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8763% | 581 |
| Assets per employee ($millions) | 5.0961% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,935 |
| Loan loss allowance to noncurrent loans | 1,764.7059% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,676 |
| Noncurrent loans to loans | 0.0768% | 3,404 |
| Net loans and leases to total assets | 38.9443% | 4,125 |
| Net loans and leases to deposits | 51.9699% | 3,685 |
| Net loans and leases to core deposits | 59.7995% | 3,283 |
| Total domestic deposits to total assets | 74.9362% | 4,509 |
| Equity capital to assets | 24.0059% | 105 |
| Core capital (leverage) ratio | 28.3824% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,047,000 | 4,435 |
| Average earning assets | $51,505,667 | 4,448 |
| Average equity | $14,695,333 | 3,528 |
| Average total loans | $21,211,333 | 4,480 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3368% | 2,272 |
| Cost of funding earning assets | 0.7432% | 124 |
| Net interest margin | 2.5936% | 3,675 |
| Noninterest income to average assets | 0.6978% | 1,322 |
| Noninterest expense to average assets | 2.6828% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3455% | 4,065 |
| Return on assets (ROA) | 0.3997% | 3,919 |
| Pretax return on assets | 0.3862% | 4,055 |
| Return on Equity (ROE) | 1.5410% | 4,337 |
| Retained earnings to average equity (ytd only) | 1.5410% | 3,674 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9888% | 596 |
| Assets per employee ($millions) | 5.2685% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,641 |
| Loan loss allowance to noncurrent loans | 810.8108% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,014 |
| Noncurrent loans to loans | 0.1815% | 2,906 |
| Net loans and leases to total assets | 34.6505% | 4,278 |
| Net loans and leases to deposits | 46.8296% | 3,935 |
| Net loans and leases to core deposits | 53.7558% | 3,609 |
| Total domestic deposits to total assets | 73.9927% | 4,572 |
| Equity capital to assets | 25.0116% | 89 |
| Core capital (leverage) ratio | 27.0845% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,042,000 | 4,451 |
| Average earning assets | $52,745,500 | 4,454 |
| Average equity | $15,314,500 | 3,534 |
| Average total loans | $20,751,500 | 4,506 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 2,375 |
| Cost of funding earning assets | 0.8716% | 139 |
| Net interest margin | 2.7347% | 3,805 |
| Noninterest income to average assets | 1.4465% | 534 |
| Noninterest expense to average assets | 2.7115% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0540% | 2,468 |
| Return on assets (ROA) | 0.6542% | 3,795 |
| Pretax return on assets | 0.7457% | 3,845 |
| Return on Equity (ROE) | 2.4287% | 4,449 |
| Retained earnings to average equity (ytd only) | 2.4287% | 3,848 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3191% | 1,818 |
| Assets per employee ($millions) | 5.4665% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,842 |
| Loan loss allowance to noncurrent loans | 1,666.6667% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 3,073 |
| Noncurrent loans to loans | 0.0852% | 3,507 |
| Net loans and leases to total assets | 34.6277% | 4,351 |
| Net loans and leases to deposits | 47.9471% | 4,000 |
| Net loans and leases to core deposits | 55.6530% | 3,648 |
| Total domestic deposits to total assets | 72.2207% | 4,639 |
| Equity capital to assets | 26.8314% | 78 |
| Core capital (leverage) ratio | 26.8708% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,077,800 | 4,452 |
| Average earning assets | $54,155,600 | 4,463 |
| Average equity | $16,181,600 | 3,525 |
| Average total loans | $21,976,800 | 4,534 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 2,356 |
| Cost of funding earning assets | 0.8957% | 152 |
| Net interest margin | 2.7733% | 3,837 |
| Noninterest income to average assets | 1.4495% | 579 |
| Noninterest expense to average assets | 2.5372% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1904% | 2,197 |
| Return on assets (ROA) | 0.6460% | 3,964 |
| Pretax return on assets | 0.7658% | 3,950 |
| Return on Equity (ROE) | 2.3960% | 4,537 |
| Retained earnings to average equity (ytd only) | 2.3960% | 4,084 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2135% | 2,355 |
| Assets per employee ($millions) | 6.0737% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,366 |
| Loan loss allowance to noncurrent loans | 454.5455% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 2,411 |
| Noncurrent loans to loans | 0.2917% | 2,747 |
| Net loans and leases to total assets | 36.7618% | 4,351 |
| Net loans and leases to deposits | 50.8425% | 3,965 |
| Net loans and leases to core deposits | 58.8912% | 3,558 |
| Total domestic deposits to total assets | 72.3052% | 4,678 |
| Equity capital to assets | 26.7514% | 82 |
| Core capital (leverage) ratio | 26.5903% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,064,500 | 4,511 |
| Average earning assets | $54,181,500 | 4,514 |
| Average equity | $16,193,500 | 3,571 |
| Average total loans | $22,190,500 | 4,588 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 2,068 |
| Cost of funding earning assets | 0.9221% | 170 |
| Net interest margin | 2.8775% | 3,628 |
| Noninterest income to average assets | 1.8583% | 372 |
| Noninterest expense to average assets | 2.5802% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5027% | 1,279 |
| Return on assets (ROA) | 0.7353% | 3,741 |
| Pretax return on assets | 0.9158% | 3,625 |
| Return on Equity (ROE) | 2.7202% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.7202% | 3,932 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9145% | 3,297 |
| Assets per employee ($millions) | 6.1102% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 1,959 |
| Loan loss allowance to noncurrent loans | 447.7612% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 2,563 |
| Noncurrent loans to loans | 0.3139% | 2,799 |
| Net loans and leases to total assets | 34.4408% | 4,527 |
| Net loans and leases to deposits | 47.4648% | 4,249 |
| Net loans and leases to core deposits | 55.3091% | 3,942 |
| Total domestic deposits to total assets | 72.5606% | 4,699 |
| Equity capital to assets | 26.5310% | 83 |
| Core capital (leverage) ratio | 26.5026% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,840,333 | 4,542 |
| Average earning assets | $54,004,667 | 4,547 |
| Average equity | $16,175,333 | 3,582 |
| Average total loans | $22,044,667 | 4,629 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 1,826 |
| Cost of funding earning assets | 0.9433% | 181 |
| Net interest margin | 2.9573% | 3,360 |
| Noninterest income to average assets | 1.5741% | 561 |
| Noninterest expense to average assets | 2.4793% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6197% | 1,089 |
| Return on assets (ROA) | 0.6688% | 3,855 |
| Pretax return on assets | 0.7296% | 3,960 |
| Return on Equity (ROE) | 2.4509% | 4,557 |
| Retained earnings to average equity (ytd only) | 2.4509% | 3,921 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4395% | 3,245 |
| Assets per employee ($millions) | 6.0272% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 2,029 |
| Loan loss allowance to noncurrent loans | 306.1224% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 2,160 |
| Noncurrent loans to loans | 0.4524% | 2,498 |
| Net loans and leases to total assets | 35.4460% | 4,529 |
| Net loans and leases to deposits | 48.9047% | 4,226 |
| Net loans and leases to core deposits | 57.1062% | 3,900 |
| Total domestic deposits to total assets | 72.4798% | 4,709 |
| Equity capital to assets | 26.6127% | 79 |
| Core capital (leverage) ratio | 26.9229% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,209,500 | 4,565 |
| Average earning assets | $53,427,500 | 4,572 |
| Average equity | $16,157,500 | 3,590 |
| Average total loans | $22,395,000 | 4,647 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 2,332 |
| Cost of funding earning assets | 0.9766% | 653 |
| Net interest margin | 3.1557% | 3,481 |
| Noninterest income to average assets | 0.9973% | 1,043 |
| Noninterest expense to average assets | 2.6834% | 2,287 |
| Loan and lease loss provision to assets | 0.0976% | 3,117 |
| Net operating income to assets | 0.9290% | 2,567 |
| Return on assets (ROA) | 0.7166% | 3,506 |
| Pretax return on assets | 0.8230% | 3,573 |
| Return on Equity (ROE) | 2.5793% | 4,463 |
| Retained earnings to average equity (ytd only) | 2.5793% | 3,558 |
| Net charge-offs to loans | 0.0253% | 2,534 |
| Credit loss provision to net charge-offs | 933.3333% | 819 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 740 |
| Efficiency ratio | 69.7327% | 1,983 |
| Assets per employee ($millions) | 5.8147% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,426 |
| Loan loss allowance to noncurrent loans | 91.7431% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 1,568 |
| Noncurrent loans to loans | 1.4140% | 955 |
| Net loans and leases to total assets | 39.2557% | 4,470 |
| Net loans and leases to deposits | 55.2220% | 4,054 |
| Net loans and leases to core deposits | 62.4105% | 3,807 |
| Total domestic deposits to total assets | 71.0871% | 4,749 |
| Equity capital to assets | 27.9894% | 74 |
| Core capital (leverage) ratio | 27.8509% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,353,000 | 4,548 |
| Average earning assets | $51,811,000 | 4,562 |
| Average equity | $15,934,800 | 3,558 |
| Average total loans | $23,734,800 | 4,647 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 2,413 |
| Cost of funding earning assets | 0.9681% | 855 |
| Net interest margin | 3.2268% | 3,402 |
| Noninterest income to average assets | 0.6252% | 2,084 |
| Noninterest expense to average assets | 2.4564% | 2,971 |
| Loan and lease loss provision to assets | 0.1172% | 2,859 |
| Net operating income to assets | 0.8399% | 2,952 |
| Return on assets (ROA) | 0.5435% | 4,016 |
| Pretax return on assets | 0.6275% | 4,056 |
| Return on Equity (ROE) | 1.9600% | 4,554 |
| Retained earnings to average equity (ytd only) | 1.9600% | 3,950 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3676% | 1,983 |
| Assets per employee ($millions) | 6.1525% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,435 |
| Loan loss allowance to noncurrent loans | 45.6621% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0679% | 1,007 |
| Noncurrent loans to loans | 2.7199% | 366 |
| Net loans and leases to total assets | 38.7729% | 4,603 |
| Net loans and leases to deposits | 59.8665% | 4,063 |
| Net loans and leases to core deposits | 68.4682% | 3,735 |
| Total domestic deposits to total assets | 64.7655% | 4,874 |
| Equity capital to assets | 26.2170% | 84 |
| Core capital (leverage) ratio | 25.9655% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,154,500 | 4,567 |
| Average earning assets | $51,648,750 | 4,581 |
| Average equity | $15,849,750 | 3,568 |
| Average total loans | $23,887,000 | 4,671 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 2,562 |
| Cost of funding earning assets | 0.9716% | 1,066 |
| Net interest margin | 3.2931% | 3,405 |
| Noninterest income to average assets | 0.5925% | 2,155 |
| Noninterest expense to average assets | 2.5423% | 2,850 |
| Loan and lease loss provision to assets | 0.0898% | 3,148 |
| Net operating income to assets | 0.7191% | 3,322 |
| Return on assets (ROA) | 0.2226% | 4,582 |
| Pretax return on assets | 0.3016% | 4,534 |
| Return on Equity (ROE) | 0.7870% | 4,708 |
| Retained earnings to average equity (ytd only) | 0.7870% | 4,139 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3710% | 1,778 |
| Assets per employee ($millions) | 6.6501% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,841 |
| Loan loss allowance to noncurrent loans | 32.6992% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4052% | 694 |
| Noncurrent loans to loans | 3.4789% | 229 |
| Net loans and leases to total assets | 39.9308% | 4,610 |
| Net loans and leases to deposits | 62.3913% | 3,983 |
| Net loans and leases to core deposits | 69.6459% | 3,736 |
| Total domestic deposits to total assets | 64.0006% | 4,918 |
| Equity capital to assets | 26.7331% | 82 |
| Core capital (leverage) ratio | 27.1739% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,697,667 | 4,602 |
| Average earning assets | $50,225,667 | 4,619 |
| Average equity | $15,756,333 | 3,577 |
| Average total loans | $23,797,667 | 4,694 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 2,884 |
| Cost of funding earning assets | 0.9789% | 1,512 |
| Net interest margin | 3.3350% | 3,498 |
| Noninterest income to average assets | 0.4700% | 2,701 |
| Noninterest expense to average assets | 2.5811% | 3,041 |
| Loan and lease loss provision to assets | 0.1865% | 1,605 |
| Net operating income to assets | 0.6565% | 3,428 |
| Return on assets (ROA) | -1.3651% | 5,001 |
| Pretax return on assets | -1.3204% | 4,981 |
| Return on Equity (ROE) | -4.6820% | 4,912 |
| Retained earnings to average equity (ytd only) | -4.6820% | 4,498 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4086% | 1,763 |
| Assets per employee ($millions) | 5.9712% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,944 |
| Loan loss allowance to noncurrent loans | 71.6146% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7145% | 1,878 |
| Noncurrent loans to loans | 1.6038% | 969 |
| Net loans and leases to total assets | 44.0409% | 4,502 |
| Net loans and leases to deposits | 62.9351% | 4,042 |
| Net loans and leases to core deposits | 70.3818% | 3,857 |
| Total domestic deposits to total assets | 69.9782% | 4,855 |
| Equity capital to assets | 29.0821% | 74 |
| Core capital (leverage) ratio | 28.6945% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,621,000 | 4,652 |
| Average earning assets | $48,216,500 | 4,674 |
| Average equity | $15,634,500 | 3,598 |
| Average total loans | $23,609,500 | 4,730 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 4,008 |
| Cost of funding earning assets | 0.8536% | 2,409 |
| Net interest margin | 3.2620% | 4,059 |
| Noninterest income to average assets | 0.3769% | 3,441 |
| Noninterest expense to average assets | 2.7611% | 2,718 |
| Loan and lease loss provision to assets | 0.0457% | 3,102 |
| Net operating income to assets | 0.5928% | 4,181 |
| Return on assets (ROA) | 0.5892% | 4,252 |
| Pretax return on assets | 0.5032% | 4,572 |
| Return on Equity (ROE) | 2.0971% | 4,783 |
| Retained earnings to average equity (ytd only) | 2.0971% | 3,949 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3241% | 700 |
| Assets per employee ($millions) | 5.9443% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,084 |
| Loan loss allowance to noncurrent loans | 54.3478% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 1,492 |
| Noncurrent loans to loans | 1.9763% | 652 |
| Net loans and leases to total assets | 43.0401% | 4,638 |
| Net loans and leases to deposits | 61.6443% | 4,206 |
| Net loans and leases to core deposits | 68.9732% | 4,023 |
| Total domestic deposits to total assets | 69.8200% | 4,944 |
| Equity capital to assets | 29.2305% | 77 |
| Core capital (leverage) ratio | 28.2388% | 81 |
| Tier 1 risk-based capital ratio | 60.2467% | 91 |
| Total risk-based capital ratio | 62.2230% | 91 |
| Memoranda: | ||
| Average total assets | $54,651,600 | 4,671 |
| Average earning assets | $49,203,200 | 4,688 |
| Average equity | $15,354,400 | 3,603 |
| Average total loans | $19,829,000 | 4,864 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 4,259 |
| Cost of funding earning assets | 0.8325% | 2,555 |
| Net interest margin | 3.2170% | 4,261 |
| Noninterest income to average assets | 0.3519% | 3,619 |
| Noninterest expense to average assets | 2.6137% | 3,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7184% | 3,958 |
| Return on assets (ROA) | 0.7014% | 4,073 |
| Pretax return on assets | 0.6188% | 4,509 |
| Return on Equity (ROE) | 2.5212% | 4,837 |
| Retained earnings to average equity (ytd only) | 2.5212% | 4,085 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4332% | 885 |
| Assets per employee ($millions) | 6.0167% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,301 |
| Loan loss allowance to noncurrent loans | 48.2833% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 1,587 |
| Noncurrent loans to loans | 2.1706% | 595 |
| Net loans and leases to total assets | 39.2318% | 4,839 |
| Net loans and leases to deposits | 56.0011% | 4,550 |
| Net loans and leases to core deposits | 62.5467% | 4,435 |
| Total domestic deposits to total assets | 70.0554% | 4,994 |
| Equity capital to assets | 29.0139% | 80 |
| Core capital (leverage) ratio | 27.9448% | 84 |
| Tier 1 risk-based capital ratio | 62.9029% | 84 |
| Total risk-based capital ratio | 64.9921% | 83 |
| Memoranda: | ||
| Average total assets | $54,939,750 | 4,736 |
| Average earning assets | $49,485,500 | 4,747 |
| Average equity | $15,283,500 | 3,647 |
| Average total loans | $18,967,250 | 4,959 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 4,430 |
| Cost of funding earning assets | 0.8044% | 2,619 |
| Net interest margin | 3.1695% | 4,418 |
| Noninterest income to average assets | 0.3116% | 3,844 |
| Noninterest expense to average assets | 2.5723% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7137% | 3,958 |
| Return on assets (ROA) | 0.6847% | 4,105 |
| Pretax return on assets | 0.5652% | 4,602 |
| Return on Equity (ROE) | 2.4965% | 4,873 |
| Retained earnings to average equity (ytd only) | 2.4965% | 3,945 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2357% | 857 |
| Assets per employee ($millions) | 6.0153% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 2,810 |
| Loan loss allowance to noncurrent loans | 258.6207% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 3,961 |
| Noncurrent loans to loans | 0.4430% | 2,942 |
| Net loans and leases to total assets | 35.8621% | 4,981 |
| Net loans and leases to deposits | 50.8446% | 4,774 |
| Net loans and leases to core deposits | 56.8938% | 4,684 |
| Total domestic deposits to total assets | 70.5327% | 5,028 |
| Equity capital to assets | 28.5622% | 79 |
| Core capital (leverage) ratio | 27.4121% | 91 |
| Tier 1 risk-based capital ratio | 67.7565% | 73 |
| Total risk-based capital ratio | 69.9024% | 70 |
| Memoranda: | ||
| Average total assets | $55,203,000 | 4,768 |
| Average earning assets | $49,724,670 | 4,777 |
| Average equity | $15,141,000 | 3,669 |
| Average total loans | $18,133,330 | 5,020 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7515% | 4,779 |
| Cost of funding earning assets | 0.7806% | 2,638 |
| Net interest margin | 2.9709% | 4,790 |
| Noninterest income to average assets | 0.3086% | 3,809 |
| Noninterest expense to average assets | 2.5477% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7464% | 3,783 |
| Return on assets (ROA) | 0.7177% | 3,923 |
| Pretax return on assets | 0.4091% | 4,828 |
| Return on Equity (ROE) | 2.6702% | 4,856 |
| Retained earnings to average equity (ytd only) | 2.6702% | 3,866 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3365% | 622 |
| Assets per employee ($millions) | 6.1052% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,267 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 4,116 |
| Noncurrent loans to loans | 0.4203% | 3,085 |
| Net loans and leases to total assets | 32.0673% | 5,110 |
| Net loans and leases to deposits | 44.8494% | 4,964 |
| Net loans and leases to core deposits | 50.0057% | 4,889 |
| Total domestic deposits to total assets | 71.4998% | 5,061 |
| Equity capital to assets | 27.6339% | 86 |
| Core capital (leverage) ratio | 26.5502% | 97 |
| Tier 1 risk-based capital ratio | 70.5275% | 64 |
| Total risk-based capital ratio | 72.5673% | 62 |
| Memoranda: | ||
| Average total assets | $55,735,500 | 4,810 |
| Average earning assets | $50,220,000 | 4,824 |
| Average equity | $14,980,000 | 3,702 |
| Average total loans | $17,380,000 | 5,097 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7643% | 4,562 |
| Cost of funding earning assets | 0.6638% | 2,301 |
| Net interest margin | 3.1005% | 4,648 |
| Noninterest income to average assets | 0.4859% | 2,905 |
| Noninterest expense to average assets | 2.5845% | 3,382 |
| Loan and lease loss provision to assets | -0.0431% | 5,183 |
| Net operating income to assets | 0.7187% | 4,087 |
| Return on assets (ROA) | 0.7237% | 4,069 |
| Pretax return on assets | 0.7581% | 4,274 |
| Return on Equity (ROE) | 2.8918% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.8918% | 3,955 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4519% | 1,090 |
| Assets per employee ($millions) | 6.2804% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 1,904 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 2,866 |
| Noncurrent loans to loans | 1.4189% | 1,098 |
| Net loans and leases to total assets | 29.5273% | 5,213 |
| Net loans and leases to deposits | 40.4449% | 5,114 |
| Net loans and leases to core deposits | 45.6348% | 5,046 |
| Total domestic deposits to total assets | 73.0062% | 5,006 |
| Equity capital to assets | 26.1411% | 98 |
| Core capital (leverage) ratio | 25.8816% | 95 |
| Tier 1 risk-based capital ratio | 68.9467% | 67 |
| Total risk-based capital ratio | 70.6128% | 65 |
| Memoranda: | ||
| Average total assets | $58,039,000 | 4,800 |
| Average earning assets | $52,573,000 | 4,804 |
| Average equity | $14,523,800 | 3,697 |
| Average total loans | $17,304,400 | 5,143 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7404% | 4,568 |
| Cost of funding earning assets | 0.6444% | 2,179 |
| Net interest margin | 3.0960% | 4,712 |
| Noninterest income to average assets | 0.4930% | 2,912 |
| Noninterest expense to average assets | 2.5699% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7030% | 4,214 |
| Return on assets (ROA) | 0.7030% | 4,223 |
| Pretax return on assets | 0.7304% | 4,466 |
| Return on Equity (ROE) | 2.8398% | 5,026 |
| Retained earnings to average equity (ytd only) | 2.8398% | 4,302 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8700% | 1,133 |
| Assets per employee ($millions) | 5.6629% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,605 |
| Loan loss allowance to noncurrent loans | 94.6970% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 2,822 |
| Noncurrent loans to loans | 1.5053% | 1,082 |
| Net loans and leases to total assets | 30.5285% | 5,267 |
| Net loans and leases to deposits | 41.3777% | 5,174 |
| Net loans and leases to core deposits | 46.6160% | 5,092 |
| Total domestic deposits to total assets | 73.7802% | 4,998 |
| Equity capital to assets | 25.3722% | 108 |
| Core capital (leverage) ratio | 25.4890% | 102 |
| Tier 1 risk-based capital ratio | 68.1773% | 65 |
| Total risk-based capital ratio | 69.8425% | 62 |
| Memoranda: | ||
| Average total assets | $58,417,750 | 4,841 |
| Average earning assets | $52,969,500 | 4,856 |
| Average equity | $14,460,750 | 3,726 |
| Average total loans | $17,401,750 | 5,198 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 4,460 |
| Cost of funding earning assets | 0.6270% | 2,060 |
| Net interest margin | 3.1274% | 4,670 |
| Noninterest income to average assets | 0.4711% | 3,028 |
| Noninterest expense to average assets | 2.5621% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7185% | 4,145 |
| Return on assets (ROA) | 0.7185% | 4,150 |
| Pretax return on assets | 0.7490% | 4,393 |
| Return on Equity (ROE) | 2.9258% | 5,039 |
| Retained earnings to average equity (ytd only) | 2.9258% | 4,080 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3797% | 1,261 |
| Assets per employee ($millions) | 5.7241% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 1,695 |
| Loan loss allowance to noncurrent loans | 86.5052% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 2,739 |
| Noncurrent loans to loans | 1.6368% | 983 |
| Net loans and leases to total assets | 30.4083% | 5,313 |
| Net loans and leases to deposits | 41.0936% | 5,217 |
| Net loans and leases to core deposits | 46.2078% | 5,142 |
| Total domestic deposits to total assets | 73.9977% | 5,041 |
| Equity capital to assets | 25.1900% | 109 |
| Core capital (leverage) ratio | 24.8249% | 108 |
| Tier 1 risk-based capital ratio | 68.3602% | 71 |
| Total risk-based capital ratio | 70.1318% | 70 |
| Memoranda: | ||
| Average total assets | $59,014,000 | 4,889 |
| Average earning assets | $53,590,670 | 4,904 |
| Average equity | $14,491,670 | 3,748 |
| Average total loans | $17,356,330 | 5,258 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 4,581 |
| Cost of funding earning assets | 0.6092% | 1,991 |
| Net interest margin | 3.0458% | 4,802 |
| Noninterest income to average assets | 0.4875% | 2,885 |
| Noninterest expense to average assets | 2.4574% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7479% | 3,912 |
| Return on assets (ROA) | 0.7479% | 3,914 |
| Pretax return on assets | 0.8013% | 4,151 |
| Return on Equity (ROE) | 3.0837% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.0837% | 3,974 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4098% | 1,691 |
| Assets per employee ($millions) | 5.8550% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 1,739 |
| Loan loss allowance to noncurrent loans | 196.8504% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 4,012 |
| Noncurrent loans to loans | 0.7246% | 2,397 |
| Net loans and leases to total assets | 29.5064% | 5,374 |
| Net loans and leases to deposits | 39.5214% | 5,272 |
| Net loans and leases to core deposits | 44.2600% | 5,203 |
| Total domestic deposits to total assets | 74.6593% | 5,094 |
| Equity capital to assets | 24.5687% | 110 |
| Core capital (leverage) ratio | 23.6997% | 125 |
| Tier 1 risk-based capital ratio | 68.2329% | 66 |
| Total risk-based capital ratio | 69.9558% | 64 |
| Memoranda: | ||
| Average total assets | $59,900,500 | 4,928 |
| Average earning assets | $54,502,000 | 4,946 |
| Average equity | $14,528,000 | 3,772 |
| Average total loans | $17,206,500 | 5,322 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 4,766 |
| Cost of funding earning assets | 0.6230% | 1,448 |
| Net interest margin | 2.8915% | 5,053 |
| Noninterest income to average assets | 0.4005% | 3,635 |
| Noninterest expense to average assets | 2.3271% | 4,265 |
| Loan and lease loss provision to assets | 0.0354% | 3,559 |
| Net operating income to assets | 0.5291% | 4,299 |
| Return on assets (ROA) | 0.5291% | 4,330 |
| Pretax return on assets | 0.6803% | 4,556 |
| Return on Equity (ROE) | 2.2511% | 5,006 |
| Retained earnings to average equity (ytd only) | 2.2511% | 3,969 |
| Net charge-offs to loans | 0.1305% | 1,749 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 20.2273% | 1,981 |
| Efficiency ratio | 76.4799% | 1,559 |
| Assets per employee ($millions) | 6.1364% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,479 |
| Loan loss allowance to noncurrent loans | 39.0625% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 1,422 |
| Noncurrent loans to loans | 3.7899% | 258 |
| Net loans and leases to total assets | 27.1120% | 5,489 |
| Net loans and leases to deposits | 36.0725% | 5,426 |
| Net loans and leases to core deposits | 40.9043% | 5,364 |
| Total domestic deposits to total assets | 75.1597% | 5,075 |
| Equity capital to assets | 24.0923% | 111 |
| Core capital (leverage) ratio | 23.0812% | 121 |
| Tier 1 risk-based capital ratio | 65.9126% | 69 |
| Total risk-based capital ratio | 67.8782% | 69 |
| Memoranda: | ||
| Average total assets | $62,179,200 | 4,920 |
| Average earning assets | $56,821,200 | 4,933 |
| Average equity | $14,614,800 | 3,767 |
| Average total loans | $16,856,600 | 5,396 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5241% | 4,759 |
| Cost of funding earning assets | 0.6216% | 1,396 |
| Net interest margin | 2.9025% | 5,082 |
| Noninterest income to average assets | 0.3890% | 3,760 |
| Noninterest expense to average assets | 2.2890% | 4,327 |
| Loan and lease loss provision to assets | 0.0470% | 3,163 |
| Net operating income to assets | 0.6497% | 4,191 |
| Return on assets (ROA) | 0.6497% | 4,247 |
| Pretax return on assets | 0.7074% | 4,591 |
| Return on Equity (ROE) | 2.7814% | 5,161 |
| Retained earnings to average equity (ytd only) | 2.7814% | 4,246 |
| Net charge-offs to loans | 0.1741% | 1,204 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 16.0467% | 2,191 |
| Efficiency ratio | 75.2107% | 1,705 |
| Assets per employee ($millions) | 6.2072% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,587 |
| Loan loss allowance to noncurrent loans | 47.2590% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 1,789 |
| Noncurrent loans to loans | 3.1458% | 380 |
| Net loans and leases to total assets | 26.6884% | 5,555 |
| Net loans and leases to deposits | 35.3861% | 5,504 |
| Net loans and leases to core deposits | 40.0493% | 5,458 |
| Total domestic deposits to total assets | 75.4205% | 5,082 |
| Equity capital to assets | 23.8320% | 121 |
| Core capital (leverage) ratio | 22.8000% | 131 |
| Tier 1 risk-based capital ratio | 67.4701% | 68 |
| Total risk-based capital ratio | 69.3620% | 65 |
| Memoranda: | ||
| Average total assets | $62,383,000 | 4,969 |
| Average earning assets | $57,053,750 | 4,984 |
| Average equity | $14,572,500 | 3,810 |
| Average total loans | $16,849,000 | 5,454 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5160% | 4,727 |
| Cost of funding earning assets | 0.6227% | 1,318 |
| Net interest margin | 2.8933% | 5,109 |
| Noninterest income to average assets | 0.3681% | 3,918 |
| Noninterest expense to average assets | 2.2277% | 4,506 |
| Loan and lease loss provision to assets | 0.0480% | 3,032 |
| Net operating income to assets | 0.6593% | 4,033 |
| Return on assets (ROA) | 0.6593% | 4,094 |
| Pretax return on assets | 0.7394% | 4,455 |
| Return on Equity (ROE) | 2.8416% | 5,165 |
| Retained earnings to average equity (ytd only) | 2.8416% | 4,018 |
| Net charge-offs to loans | 0.1779% | 1,116 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,984 |
| Efficiency ratio | 73.8854% | 2,034 |
| Assets per employee ($millions) | 6.2696% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,625 |
| Loan loss allowance to noncurrent loans | 76.9231% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 2,636 |
| Noncurrent loans to loans | 1.9331% | 892 |
| Net loans and leases to total assets | 26.4164% | 5,602 |
| Net loans and leases to deposits | 34.8358% | 5,557 |
| Net loans and leases to core deposits | 39.3434% | 5,515 |
| Total domestic deposits to total assets | 75.8310% | 5,113 |
| Equity capital to assets | 23.4369% | 123 |
| Core capital (leverage) ratio | 22.6034% | 129 |
| Tier 1 risk-based capital ratio | 66.3263% | 70 |
| Total risk-based capital ratio | 68.0439% | 68 |
| Memoranda: | ||
| Average total assets | $62,486,670 | 5,008 |
| Average earning assets | $57,167,330 | 5,015 |
| Average equity | $14,499,000 | 3,821 |
| Average total loans | $16,860,000 | 5,498 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 4,915 |
| Cost of funding earning assets | 0.6166% | 1,258 |
| Net interest margin | 2.7886% | 5,262 |
| Noninterest income to average assets | 0.3847% | 3,776 |
| Noninterest expense to average assets | 2.2891% | 4,436 |
| Loan and lease loss provision to assets | 0.0962% | 1,945 |
| Net operating income to assets | 0.4488% | 4,782 |
| Return on assets (ROA) | 0.4488% | 4,803 |
| Pretax return on assets | 0.5514% | 4,838 |
| Return on Equity (ROE) | 1.9442% | 5,344 |
| Retained earnings to average equity (ytd only) | 1.9442% | 4,350 |
| Net charge-offs to loans | 0.3554% | 515 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 6.7333% | 2,195 |
| Efficiency ratio | 77.9476% | 1,635 |
| Assets per employee ($millions) | 6.2069% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,801 |
| Loan loss allowance to noncurrent loans | 189.3939% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 4,369 |
| Noncurrent loans to loans | 0.7758% | 2,526 |
| Net loans and leases to total assets | 27.0103% | 5,650 |
| Net loans and leases to deposits | 35.5311% | 5,593 |
| Net loans and leases to core deposits | 39.9243% | 5,527 |
| Total domestic deposits to total assets | 76.0186% | 5,227 |
| Equity capital to assets | 23.2499% | 127 |
| Core capital (leverage) ratio | 22.3235% | 130 |
| Tier 1 risk-based capital ratio | 66.6858% | 73 |
| Total risk-based capital ratio | 68.5156% | 71 |
| Memoranda: | ||
| Average total assets | $62,382,000 | 5,064 |
| Average earning assets | $57,089,500 | 5,073 |
| Average equity | $14,401,500 | 3,863 |
| Average total loans | $16,884,000 | 5,552 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 4,771 |
| Cost of funding earning assets | 0.6400% | 1,108 |
| Net interest margin | 2.8630% | 5,194 |
| Noninterest income to average assets | 0.4183% | 3,751 |
| Noninterest expense to average assets | 2.1307% | 4,935 |
| Loan and lease loss provision to assets | 0.0126% | 4,126 |
| Net operating income to assets | 0.8161% | 3,230 |
| Return on assets (ROA) | 0.8161% | 3,338 |
| Pretax return on assets | 0.9482% | 3,663 |
| Return on Equity (ROE) | 3.5911% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.5911% | 3,369 |
| Net charge-offs to loans | 0.0452% | 3,134 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 76.3750% | 739 |
| Efficiency ratio | 68.9217% | 3,087 |
| Assets per employee ($millions) | 6.2695% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 1,701 |
| Loan loss allowance to noncurrent loans | 77.3994% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 3,204 |
| Noncurrent loans to loans | 1.9280% | 953 |
| Net loans and leases to total assets | 26.3227% | 5,723 |
| Net loans and leases to deposits | 34.4847% | 5,667 |
| Net loans and leases to core deposits | 38.0543% | 5,635 |
| Total domestic deposits to total assets | 76.3314% | 5,205 |
| Equity capital to assets | 22.9237% | 128 |
| Core capital (leverage) ratio | 21.8642% | 142 |
| Tier 1 risk-based capital ratio | 66.6779% | 66 |
| Total risk-based capital ratio | 68.7038% | 65 |
| Memoranda: | ||
| Average total assets | $63,594,800 | 5,060 |
| Average earning assets | $59,379,000 | 5,034 |
| Average equity | $14,452,400 | 3,879 |
| Average total loans | $17,684,000 | 5,585 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 4,778 |
| Cost of funding earning assets | 0.6369% | 1,105 |
| Net interest margin | 2.8726% | 5,227 |
| Noninterest income to average assets | 0.4011% | 3,914 |
| Noninterest expense to average assets | 2.0599% | 5,087 |
| Loan and lease loss provision to assets | 0.0167% | 3,912 |
| Net operating income to assets | 0.8461% | 3,172 |
| Return on assets (ROA) | 0.8461% | 3,286 |
| Pretax return on assets | 1.0195% | 3,553 |
| Return on Equity (ROE) | 3.7311% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.7311% | 3,654 |
| Net charge-offs to loans | 0.0596% | 2,498 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 61.9794% | 931 |
| Efficiency ratio | 66.5317% | 3,497 |
| Assets per employee ($millions) | 6.3593% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 2,057 |
| Loan loss allowance to noncurrent loans | 101.2146% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 3,869 |
| Noncurrent loans to loans | 1.4147% | 1,547 |
| Net loans and leases to total assets | 27.0627% | 5,775 |
| Net loans and leases to deposits | 35.5873% | 5,734 |
| Net loans and leases to core deposits | 39.2215% | 5,701 |
| Total domestic deposits to total assets | 76.0461% | 5,233 |
| Equity capital to assets | 23.0969% | 135 |
| Core capital (leverage) ratio | 21.5770% | 148 |
| Tier 1 risk-based capital ratio | 69.6904% | 64 |
| Total risk-based capital ratio | 71.3043% | 64 |
| Memoranda: | ||
| Average total assets | $63,819,750 | 5,102 |
| Average earning assets | $59,875,500 | 5,068 |
| Average equity | $14,472,500 | 3,916 |
| Average total loans | $17,916,750 | 5,636 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 4,779 |
| Cost of funding earning assets | 0.6367% | 1,106 |
| Net interest margin | 2.9000% | 5,264 |
| Noninterest income to average assets | 0.3850% | 3,991 |
| Noninterest expense to average assets | 1.9657% | 5,341 |
| Loan and lease loss provision to assets | 0.0250% | 3,635 |
| Net operating income to assets | 0.9390% | 2,682 |
| Return on assets (ROA) | 0.9390% | 2,819 |
| Pretax return on assets | 1.1175% | 3,130 |
| Return on Equity (ROE) | 4.1665% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.1665% | 3,254 |
| Net charge-offs to loans | 0.0885% | 1,962 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 45.6250% | 1,058 |
| Efficiency ratio | 63.2427% | 4,147 |
| Assets per employee ($millions) | 7.0798% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,258 |
| Loan loss allowance to noncurrent loans | 213.6752% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 4,756 |
| Noncurrent loans to loans | 0.6588% | 3,099 |
| Net loans and leases to total assets | 27.4805% | 5,836 |
| Net loans and leases to deposits | 36.1964% | 5,786 |
| Net loans and leases to core deposits | 39.2469% | 5,766 |
| Total domestic deposits to total assets | 75.9205% | 5,296 |
| Equity capital to assets | 23.1112% | 131 |
| Core capital (leverage) ratio | 21.5510% | 144 |
| Tier 1 risk-based capital ratio | 69.5002% | 69 |
| Total risk-based capital ratio | 71.2288% | 68 |
| Memoranda: | ||
| Average total assets | $63,895,330 | 5,149 |
| Average earning assets | $60,001,000 | 5,111 |
| Average equity | $14,400,670 | 3,944 |
| Average total loans | $18,069,000 | 5,697 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 4,539 |
| Cost of funding earning assets | 0.6383% | 1,112 |
| Net interest margin | 2.9918% | 5,140 |
| Noninterest income to average assets | 0.4064% | 3,776 |
| Noninterest expense to average assets | 2.0193% | 5,292 |
| Loan and lease loss provision to assets | 0.0250% | 3,347 |
| Net operating income to assets | 1.0003% | 2,277 |
| Return on assets (ROA) | 1.0003% | 2,396 |
| Pretax return on assets | 1.1753% | 2,800 |
| Return on Equity (ROE) | 4.4950% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.4950% | 3,241 |
| Net charge-offs to loans | 0.0878% | 1,619 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 907 |
| Efficiency ratio | 62.7184% | 4,342 |
| Assets per employee ($millions) | 7.0558% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 2,313 |
| Loan loss allowance to noncurrent loans | 159.2357% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 4,566 |
| Noncurrent loans to loans | 0.8944% | 2,606 |
| Net loans and leases to total assets | 27.2480% | 5,889 |
| Net loans and leases to deposits | 35.5714% | 5,837 |
| Net loans and leases to core deposits | 38.5651% | 5,808 |
| Total domestic deposits to total assets | 76.6007% | 5,345 |
| Equity capital to assets | 22.6040% | 141 |
| Core capital (leverage) ratio | 21.1172% | 162 |
| Tier 1 risk-based capital ratio | 68.6245% | 72 |
| Total risk-based capital ratio | 70.1917% | 70 |
| Memoranda: | ||
| Average total assets | $63,984,000 | 5,197 |
| Average earning assets | $60,164,500 | 5,153 |
| Average equity | $14,238,000 | 3,979 |
| Average total loans | $18,223,500 | 5,739 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,626 |
| Cost of funding earning assets | 0.6518% | 1,066 |
| Net interest margin | 2.9635% | 5,220 |
| Noninterest income to average assets | 0.2949% | 4,774 |
| Noninterest expense to average assets | 2.0228% | 5,412 |
| Loan and lease loss provision to assets | 0.0184% | 4,037 |
| Net operating income to assets | 0.8479% | 3,123 |
| Return on assets (ROA) | 0.9185% | 2,856 |
| Pretax return on assets | 1.1258% | 2,940 |
| Return on Equity (ROE) | 4.3175% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.3175% | 2,905 |
| Net charge-offs to loans | 0.0618% | 2,990 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 57.4167% | 897 |
| Efficiency ratio | 65.6530% | 3,959 |
| Assets per employee ($millions) | 7.1629% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,782 |
| Loan loss allowance to noncurrent loans | 99.6016% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 4,036 |
| Noncurrent loans to loans | 1.3285% | 1,774 |
| Net loans and leases to total assets | 28.9207% | 5,919 |
| Net loans and leases to deposits | 37.4025% | 5,851 |
| Net loans and leases to core deposits | 40.2461% | 5,814 |
| Total domestic deposits to total assets | 77.3229% | 5,271 |
| Equity capital to assets | 21.9061% | 149 |
| Core capital (leverage) ratio | 20.5813% | 173 |
| Tier 1 risk-based capital ratio | 65.9791% | 76 |
| Total risk-based capital ratio | 67.5632% | 76 |
| Memoranda: | ||
| Average total assets | $65,108,600 | 5,198 |
| Average earning assets | $61,211,200 | 5,157 |
| Average equity | $13,850,600 | 4,001 |
| Average total loans | $19,421,200 | 5,744 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6072% | 4,715 |
| Cost of funding earning assets | 0.6497% | 1,093 |
| Net interest margin | 2.9574% | 5,292 |
| Noninterest income to average assets | 0.3309% | 4,576 |
| Noninterest expense to average assets | 2.0142% | 5,457 |
| Loan and lease loss provision to assets | 0.0245% | 3,783 |
| Net operating income to assets | 0.8151% | 3,358 |
| Return on assets (ROA) | 0.8151% | 3,447 |
| Pretax return on assets | 1.0725% | 3,323 |
| Return on Equity (ROE) | 3.8598% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.8598% | 3,721 |
| Net charge-offs to loans | 0.0818% | 2,380 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 44.7488% | 1,137 |
| Efficiency ratio | 64.7406% | 4,112 |
| Assets per employee ($millions) | 7.2803% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 3,101 |
| Loan loss allowance to noncurrent loans | 40.2576% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 2,279 |
| Noncurrent loans to loans | 3.2270% | 516 |
| Net loans and leases to total assets | 28.9883% | 6,005 |
| Net loans and leases to deposits | 37.2336% | 5,947 |
| Net loans and leases to core deposits | 39.9907% | 5,918 |
| Total domestic deposits to total assets | 77.8551% | 5,212 |
| Equity capital to assets | 21.3391% | 178 |
| Core capital (leverage) ratio | 20.2388% | 201 |
| Tier 1 risk-based capital ratio | 62.6713% | 86 |
| Total risk-based capital ratio | 64.3605% | 85 |
| Memoranda: | ||
| Average total assets | $65,269,250 | 5,261 |
| Average earning assets | $61,357,750 | 5,212 |
| Average equity | $13,782,750 | 4,058 |
| Average total loans | $19,553,000 | 5,811 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 4,668 |
| Cost of funding earning assets | 0.6499% | 1,105 |
| Net interest margin | 2.9688% | 5,292 |
| Noninterest income to average assets | 0.3406% | 4,519 |
| Noninterest expense to average assets | 1.9483% | 5,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0371% | 2,192 |
| Return on assets (ROA) | 1.0371% | 2,311 |
| Pretax return on assets | 1.1813% | 2,849 |
| Return on Equity (ROE) | 4.9284% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.9284% | 2,899 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2549% | 4,643 |
| Assets per employee ($millions) | 7.1737% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 3,174 |
| Loan loss allowance to noncurrent loans | 72.4638% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 3,543 |
| Noncurrent loans to loans | 1.8125% | 1,411 |
| Net loans and leases to total assets | 29.0956% | 6,064 |
| Net loans and leases to deposits | 37.2999% | 5,993 |
| Net loans and leases to core deposits | 39.6727% | 5,967 |
| Total domestic deposits to total assets | 78.0044% | 5,285 |
| Equity capital to assets | 21.2722% | 170 |
| Core capital (leverage) ratio | 20.2178% | 192 |
| Tier 1 risk-based capital ratio | 64.9364% | 88 |
| Total risk-based capital ratio | 66.5957% | 85 |
| Memoranda: | ||
| Average total assets | $65,184,670 | 5,322 |
| Average earning assets | $61,236,330 | 5,273 |
| Average equity | $13,716,330 | 4,094 |
| Average total loans | $19,656,000 | 5,864 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 4,705 |
| Cost of funding earning assets | 0.6503% | 1,117 |
| Net interest margin | 2.9458% | 5,354 |
| Noninterest income to average assets | 0.3176% | 4,646 |
| Noninterest expense to average assets | 2.0032% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9833% | 2,333 |
| Return on assets (ROA) | 0.9833% | 2,462 |
| Pretax return on assets | 1.0810% | 3,157 |
| Return on Equity (ROE) | 4.6982% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.6982% | 3,218 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9505% | 4,328 |
| Assets per employee ($millions) | 7.2589% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 3,480 |
| Loan loss allowance to noncurrent loans | 54.8246% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 3,139 |
| Noncurrent loans to loans | 2.3472% | 1,049 |
| Net loans and leases to total assets | 29.3540% | 6,098 |
| Net loans and leases to deposits | 37.6677% | 6,000 |
| Net loans and leases to core deposits | 40.1781% | 5,967 |
| Total domestic deposits to total assets | 77.9290% | 5,465 |
| Equity capital to assets | 21.1955% | 177 |
| Core capital (leverage) ratio | 19.8322% | 213 |
| Tier 1 risk-based capital ratio | 63.1076% | 100 |
| Total risk-based capital ratio | 64.7863% | 99 |
| Memoranda: | ||
| Average total assets | $65,495,500 | 5,366 |
| Average earning assets | $61,512,000 | 5,312 |
| Average equity | $13,707,500 | 4,124 |
| Average total loans | $19,966,500 | 5,899 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7918% | 4,521 |
| Cost of funding earning assets | 0.7018% | 1,098 |
| Net interest margin | 3.0900% | 5,234 |
| Noninterest income to average assets | 0.2737% | 5,161 |
| Noninterest expense to average assets | 1.9570% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9558% | 2,598 |
| Return on assets (ROA) | 0.9558% | 2,680 |
| Pretax return on assets | 1.2265% | 2,542 |
| Return on Equity (ROE) | 4.8042% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.8042% | 2,755 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4727% | 4,995 |
| Assets per employee ($millions) | 7.2957% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 3,887 |
| Loan loss allowance to noncurrent loans | 48.1696% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8803% | 3,007 |
| Noncurrent loans to loans | 2.5310% | 1,002 |
| Net loans and leases to total assets | 30.8494% | 6,154 |
| Net loans and leases to deposits | 39.3038% | 6,054 |
| Net loans and leases to core deposits | 42.1061% | 6,037 |
| Total domestic deposits to total assets | 78.4895% | 5,350 |
| Equity capital to assets | 20.6637% | 196 |
| Core capital (leverage) ratio | 19.8144% | 215 |
| Tier 1 risk-based capital ratio | 62.0313% | 85 |
| Total risk-based capital ratio | 63.6682% | 85 |
| Memoranda: | ||
| Average total assets | $66,121,400 | 5,389 |
| Average earning assets | $62,265,200 | 5,331 |
| Average equity | $13,155,200 | 4,163 |
| Average total loans | $21,425,600 | 5,905 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,591 |
| Cost of funding earning assets | 0.7030% | 1,135 |
| Net interest margin | 3.0833% | 5,303 |
| Noninterest income to average assets | 0.2818% | 5,187 |
| Noninterest expense to average assets | 1.9344% | 5,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9783% | 2,547 |
| Return on assets (ROA) | 0.9783% | 2,621 |
| Pretax return on assets | 1.2520% | 2,565 |
| Return on Equity (ROE) | 4.9646% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.9646% | 3,100 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7075% | 5,088 |
| Assets per employee ($millions) | 7.3731% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 4,379 |
| Loan loss allowance to noncurrent loans | 102.0408% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 4,525 |
| Noncurrent loans to loans | 1.1475% | 2,762 |
| Net loans and leases to total assets | 31.7972% | 6,191 |
| Net loans and leases to deposits | 40.4168% | 6,107 |
| Net loans and leases to core deposits | 43.2554% | 6,073 |
| Total domestic deposits to total assets | 78.6733% | 5,399 |
| Equity capital to assets | 20.4015% | 212 |
| Core capital (leverage) ratio | 19.4308% | 231 |
| Tier 1 risk-based capital ratio | 61.0169% | 88 |
| Total risk-based capital ratio | 63.2159% | 86 |
| Memoranda: | ||
| Average total assets | $66,236,500 | 5,448 |
| Average earning assets | $62,400,000 | 5,392 |
| Average equity | $13,052,000 | 4,210 |
| Average total loans | $21,655,500 | 5,959 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 4,730 |
| Cost of funding earning assets | 0.7052% | 1,170 |
| Net interest margin | 3.0355% | 5,426 |
| Noninterest income to average assets | 0.2840% | 5,150 |
| Noninterest expense to average assets | 1.8974% | 5,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0001% | 2,325 |
| Return on assets (ROA) | 1.0001% | 2,391 |
| Pretax return on assets | 1.2478% | 2,462 |
| Return on Equity (ROE) | 5.1358% | 4,612 |
| Retained earnings to average equity (ytd only) | 5.1358% | 2,873 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3266% | 5,245 |
| Assets per employee ($millions) | 7.3993% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 4,583 |
| Loan loss allowance to noncurrent loans | 50.9165% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 3,754 |
| Noncurrent loans to loans | 2.2917% | 1,418 |
| Net loans and leases to total assets | 31.7972% | 6,252 |
| Net loans and leases to deposits | 40.1925% | 6,147 |
| Net loans and leases to core deposits | 42.9845% | 6,113 |
| Total domestic deposits to total assets | 79.1122% | 5,434 |
| Equity capital to assets | 20.0243% | 219 |
| Core capital (leverage) ratio | 19.1027% | 235 |
| Tier 1 risk-based capital ratio | 59.2053% | 92 |
| Total risk-based capital ratio | 61.4935% | 87 |
| Memoranda: | ||
| Average total assets | $66,196,000 | 5,498 |
| Average earning assets | $62,395,330 | 5,442 |
| Average equity | $12,890,000 | 4,243 |
| Average total loans | $21,757,330 | 6,006 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7754% | 4,581 |
| Cost of funding earning assets | 0.7010% | 1,241 |
| Net interest margin | 3.0743% | 5,324 |
| Noninterest income to average assets | 0.3030% | 4,926 |
| Noninterest expense to average assets | 1.9213% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0788% | 1,902 |
| Return on assets (ROA) | 1.0788% | 1,969 |
| Pretax return on assets | 1.2788% | 2,181 |
| Return on Equity (ROE) | 5.6207% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.6207% | 2,727 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0379% | 5,403 |
| Assets per employee ($millions) | 7.4012% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 4,836 |
| Loan loss allowance to noncurrent loans | 56.6893% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 4,139 |
| Noncurrent loans to loans | 2.0401% | 1,821 |
| Net loans and leases to total assets | 32.0773% | 6,266 |
| Net loans and leases to deposits | 40.1666% | 6,165 |
| Net loans and leases to core deposits | 42.9289% | 6,124 |
| Total domestic deposits to total assets | 79.8607% | 5,513 |
| Equity capital to assets | 19.4067% | 243 |
| Core capital (leverage) ratio | 18.7510% | 258 |
| Tier 1 risk-based capital ratio | 59.0036% | 92 |
| Total risk-based capital ratio | 61.3222% | 89 |
| Memoranda: | ||
| Average total assets | $65,997,000 | 5,567 |
| Average earning assets | $62,192,500 | 5,498 |
| Average equity | $12,667,500 | 4,306 |
| Average total loans | $21,923,500 | 6,051 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 4,109 |
| Cost of funding earning assets | 0.7952% | 1,237 |
| Net interest margin | 3.1971% | 5,012 |
| Noninterest income to average assets | 0.2794% | 5,360 |
| Noninterest expense to average assets | 1.7423% | 6,399 |
| Loan and lease loss provision to assets | 0.0031% | 5,051 |
| Net operating income to assets | 1.1635% | 1,710 |
| Return on assets (ROA) | 1.1635% | 1,765 |
| Pretax return on assets | 1.5458% | 1,311 |
| Return on Equity (ROE) | 6.1333% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.1333% | 1,895 |
| Net charge-offs to loans | 0.0090% | 5,274 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 504.5000% | 75 |
| Efficiency ratio | 52.9384% | 6,215 |
| Assets per employee ($millions) | 7.2648% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,031 |
| Loan loss allowance to noncurrent loans | 42.5894% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 3,647 |
| Noncurrent loans to loans | 2.6406% | 1,406 |
| Net loans and leases to total assets | 33.6173% | 6,312 |
| Net loans and leases to deposits | 41.8922% | 6,231 |
| Net loans and leases to core deposits | 44.1428% | 6,215 |
| Total domestic deposits to total assets | 80.2472% | 5,387 |
| Equity capital to assets | 18.9774% | 264 |
| Core capital (leverage) ratio | 18.6823% | 257 |
| Tier 1 risk-based capital ratio | 57.2675% | 97 |
| Total risk-based capital ratio | 59.3244% | 92 |
| Memoranda: | ||
| Average total assets | $65,145,600 | 5,617 |
| Average earning assets | $61,368,000 | 5,555 |
| Average equity | $12,358,800 | 4,383 |
| Average total loans | $22,331,600 | 6,104 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 4,100 |
| Cost of funding earning assets | 0.8086% | 1,279 |
| Net interest margin | 3.1996% | 5,001 |
| Noninterest income to average assets | 0.2847% | 5,411 |
| Noninterest expense to average assets | 1.8375% | 6,288 |
| Loan and lease loss provision to assets | 0.0041% | 4,877 |
| Net operating income to assets | 1.1000% | 2,006 |
| Return on assets (ROA) | 1.1000% | 2,079 |
| Pretax return on assets | 1.4585% | 1,730 |
| Return on Equity (ROE) | 5.7991% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.7991% | 2,538 |
| Net charge-offs to loans | 0.0119% | 4,904 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 356.5468% | 166 |
| Efficiency ratio | 55.6797% | 5,945 |
| Assets per employee ($millions) | 7.1887% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,174 |
| Loan loss allowance to noncurrent loans | 32.4675% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1901% | 3,273 |
| Noncurrent loans to loans | 3.5070% | 1,083 |
| Net loans and leases to total assets | 33.5497% | 6,385 |
| Net loans and leases to deposits | 41.7624% | 6,319 |
| Net loans and leases to core deposits | 44.0257% | 6,300 |
| Total domestic deposits to total assets | 80.3348% | 5,417 |
| Equity capital to assets | 18.8646% | 270 |
| Core capital (leverage) ratio | 18.5466% | 258 |
| Tier 1 risk-based capital ratio | 58.4322% | 100 |
| Total risk-based capital ratio | 60.1922% | 94 |
| Memoranda: | ||
| Average total assets | $65,086,250 | 5,682 |
| Average earning assets | $61,340,000 | 5,618 |
| Average equity | $12,346,500 | 4,426 |
| Average total loans | $22,357,000 | 6,167 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 3,791 |
| Cost of funding earning assets | 0.8224% | 1,296 |
| Net interest margin | 3.2635% | 4,716 |
| Noninterest income to average assets | 0.2944% | 5,345 |
| Noninterest expense to average assets | 1.7358% | 6,460 |
| Loan and lease loss provision to assets | 0.0061% | 4,716 |
| Net operating income to assets | 1.1960% | 1,605 |
| Return on assets (ROA) | 1.1960% | 1,713 |
| Pretax return on assets | 1.6315% | 1,271 |
| Return on Equity (ROE) | 6.2935% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.2935% | 2,267 |
| Net charge-offs to loans | 0.0178% | 4,486 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 189 |
| Efficiency ratio | 51.4545% | 6,314 |
| Assets per employee ($millions) | 7.2348% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 5,115 |
| Loan loss allowance to noncurrent loans | 78.3699% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 5,039 |
| Noncurrent loans to loans | 1.5021% | 3,052 |
| Net loans and leases to total assets | 32.2317% | 6,496 |
| Net loans and leases to deposits | 40.0454% | 6,403 |
| Net loans and leases to core deposits | 42.1943% | 6,397 |
| Total domestic deposits to total assets | 80.4878% | 5,482 |
| Equity capital to assets | 18.7413% | 271 |
| Core capital (leverage) ratio | 18.2612% | 270 |
| Tier 1 risk-based capital ratio | 59.2103% | 92 |
| Total risk-based capital ratio | 60.9205% | 89 |
| Memoranda: | ||
| Average total assets | $65,215,670 | 5,720 |
| Average earning assets | $61,528,670 | 5,650 |
| Average equity | $12,393,670 | 4,444 |
| Average total loans | $22,490,670 | 6,192 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3157% | 2,825 |
| Cost of funding earning assets | 0.8384% | 1,318 |
| Net interest margin | 3.4773% | 3,798 |
| Noninterest income to average assets | 0.3064% | 5,242 |
| Noninterest expense to average assets | 1.7651% | 6,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3728% | 1,098 |
| Return on assets (ROA) | 1.3728% | 1,185 |
| Pretax return on assets | 1.8202% | 853 |
| Return on Equity (ROE) | 7.1743% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.1743% | 2,080 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2308% | 6,552 |
| Assets per employee ($millions) | 7.2509% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,643 |
| Loan loss allowance to noncurrent loans | 39.3082% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 3,851 |
| Noncurrent loans to loans | 2.7744% | 1,829 |
| Net loans and leases to total assets | 34.7452% | 6,378 |
| Net loans and leases to deposits | 43.6139% | 6,231 |
| Net loans and leases to core deposits | 45.4881% | 6,243 |
| Total domestic deposits to total assets | 79.6653% | 5,829 |
| Equity capital to assets | 19.2176% | 251 |
| Core capital (leverage) ratio | 18.1808% | 272 |
| Tier 1 risk-based capital ratio | 57.8326% | 98 |
| Total risk-based capital ratio | 59.3622% | 94 |
| Memoranda: | ||
| Average total assets | $65,267,000 | 5,765 |
| Average earning assets | $61,542,500 | 5,692 |
| Average equity | $12,489,000 | 4,475 |
| Average total loans | $23,117,500 | 6,214 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 2,800 |
| Cost of funding earning assets | 1.0714% | 1,018 |
| Net interest margin | 3.5772% | 4,197 |
| Noninterest income to average assets | 0.4179% | 4,470 |
| Noninterest expense to average assets | 2.0242% | 6,282 |
| Loan and lease loss provision to assets | 0.0015% | 5,894 |
| Net operating income to assets | 1.2945% | 1,320 |
| Return on assets (ROA) | 1.2945% | 1,472 |
| Pretax return on assets | 1.7638% | 990 |
| Return on Equity (ROE) | 7.1139% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.1139% | 1,517 |
| Net charge-offs to loans | 0.0040% | 5,922 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,166.0000% | 24 |
| Efficiency ratio | 53.4159% | 6,332 |
| Assets per employee ($millions) | 7.2529% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 5,667 |
| Loan loss allowance to noncurrent loans | 35.5114% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 3,689 |
| Noncurrent loans to loans | 3.0200% | 1,720 |
| Net loans and leases to total assets | 35.3285% | 6,476 |
| Net loans and leases to deposits | 44.3089% | 6,351 |
| Net loans and leases to core deposits | 46.4640% | 6,347 |
| Total domestic deposits to total assets | 79.7322% | 5,736 |
| Equity capital to assets | 19.0529% | 269 |
| Core capital (leverage) ratio | 17.8746% | 289 |
| Tier 1 risk-based capital ratio | 56.2685% | 111 |
| Total risk-based capital ratio | 57.6231% | 108 |
| Memoranda: | ||
| Average total assets | $66,050,000 | 5,736 |
| Average earning assets | $62,254,600 | 5,659 |
| Average equity | $12,018,800 | 4,564 |
| Average total loans | $24,740,000 | 6,209 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 2,910 |
| Cost of funding earning assets | 1.1039% | 1,051 |
| Net interest margin | 3.5702% | 4,354 |
| Noninterest income to average assets | 0.2878% | 5,479 |
| Noninterest expense to average assets | 1.9040% | 6,516 |
| Loan and lease loss provision to assets | 0.0020% | 5,777 |
| Net operating income to assets | 1.2620% | 1,536 |
| Return on assets (ROA) | 1.2620% | 1,700 |
| Pretax return on assets | 1.7471% | 1,166 |
| Return on Equity (ROE) | 7.0166% | 3,808 |
| Retained earnings to average equity (ytd only) | 7.0166% | 2,120 |
| Net charge-offs to loans | 0.0053% | 5,676 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 871.1579% | 46 |
| Efficiency ratio | 52.1212% | 6,440 |
| Assets per employee ($millions) | 7.2752% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 5,946 |
| Loan loss allowance to noncurrent loans | 138.1215% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 5,766 |
| Noncurrent loans to loans | 0.7505% | 4,918 |
| Net loans and leases to total assets | 36.4510% | 6,525 |
| Net loans and leases to deposits | 45.6453% | 6,410 |
| Net loans and leases to core deposits | 48.0937% | 6,402 |
| Total domestic deposits to total assets | 79.8570% | 5,700 |
| Equity capital to assets | 18.8555% | 307 |
| Core capital (leverage) ratio | 17.5169% | 331 |
| Tier 1 risk-based capital ratio | 54.3677% | 120 |
| Total risk-based capital ratio | 55.6303% | 120 |
| Memoranda: | ||
| Average total assets | $66,243,500 | 5,805 |
| Average earning assets | $62,441,750 | 5,725 |
| Average equity | $11,914,250 | 4,628 |
| Average total loans | $25,097,250 | 6,269 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 3,029 |
| Cost of funding earning assets | 1.1557% | 999 |
| Net interest margin | 3.5183% | 4,595 |
| Noninterest income to average assets | 0.3278% | 5,205 |
| Noninterest expense to average assets | 1.8827% | 6,634 |
| Loan and lease loss provision to assets | 0.0030% | 5,603 |
| Net operating income to assets | 1.2722% | 1,510 |
| Return on assets (ROA) | 1.2722% | 1,677 |
| Pretax return on assets | 1.7564% | 1,121 |
| Return on Equity (ROE) | 7.1876% | 3,674 |
| Retained earnings to average equity (ytd only) | 7.1876% | 2,002 |
| Net charge-offs to loans | 0.0079% | 5,366 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 585.0000% | 65 |
| Efficiency ratio | 51.6928% | 6,524 |
| Assets per employee ($millions) | 7.3090% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 6,073 |
| Loan loss allowance to noncurrent loans | 62.6566% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 4,940 |
| Noncurrent loans to loans | 1.6284% | 3,464 |
| Net loans and leases to total assets | 36.8678% | 6,558 |
| Net loans and leases to deposits | 45.8086% | 6,452 |
| Net loans and leases to core deposits | 48.2348% | 6,447 |
| Total domestic deposits to total assets | 80.4822% | 5,619 |
| Equity capital to assets | 18.3077% | 318 |
| Core capital (leverage) ratio | 17.0750% | 359 |
| Tier 1 risk-based capital ratio | 52.4478% | 124 |
| Total risk-based capital ratio | 53.7986% | 122 |
| Memoranda: | ||
| Average total assets | $66,499,000 | 5,826 |
| Average earning assets | $62,644,000 | 5,747 |
| Average equity | $11,770,330 | 4,660 |
| Average total loans | $25,424,000 | 6,293 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 2,072 |
| Cost of funding earning assets | 1.2015% | 979 |
| Net interest margin | 3.7444% | 3,618 |
| Noninterest income to average assets | 0.2752% | 5,670 |
| Noninterest expense to average assets | 1.7590% | 6,844 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4718% | 1,077 |
| Return on assets (ROA) | 1.4718% | 1,203 |
| Pretax return on assets | 2.0401% | 690 |
| Return on Equity (ROE) | 8.4580% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.4580% | 1,795 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2992% | 6,885 |
| Assets per employee ($millions) | 6.6860% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,306 |
| Loan loss allowance to noncurrent loans | 46.1255% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9423% | 4,620 |
| Noncurrent loans to loans | 2.1347% | 2,987 |
| Net loans and leases to total assets | 37.6010% | 6,522 |
| Net loans and leases to deposits | 46.2975% | 6,410 |
| Net loans and leases to core deposits | 48.6860% | 6,417 |
| Total domestic deposits to total assets | 81.2160% | 5,542 |
| Equity capital to assets | 17.5950% | 373 |
| Core capital (leverage) ratio | 16.4831% | 415 |
| Tier 1 risk-based capital ratio | 49.6543% | 127 |
| Total risk-based capital ratio | 50.8896% | 128 |
| Memoranda: | ||
| Average total assets | $66,858,000 | 5,861 |
| Average earning assets | $62,921,000 | 5,780 |
| Average equity | $11,634,000 | 4,696 |
| Average total loans | $25,885,000 | 6,315 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 3,803 |
| Cost of funding earning assets | 1.4759% | 788 |
| Net interest margin | 3.3256% | 5,738 |
| Noninterest income to average assets | 0.4428% | 4,285 |
| Noninterest expense to average assets | 2.1005% | 6,494 |
| Loan and lease loss provision to assets | 0.0061% | 6,445 |
| Net operating income to assets | 1.0171% | 2,140 |
| Return on assets (ROA) | 0.9928% | 2,369 |
| Pretax return on assets | 1.4356% | 1,668 |
| Return on Equity (ROE) | 6.0223% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.0223% | 2,003 |
| Net charge-offs to loans | 0.0148% | 6,232 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 241.0000% | 140 |
| Efficiency ratio | 58.6296% | 5,957 |
| Assets per employee ($millions) | 6.6856% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 6,408 |
| Loan loss allowance to noncurrent loans | 31.1721% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 4,007 |
| Noncurrent loans to loans | 3.0402% | 2,133 |
| Net loans and leases to total assets | 39.0840% | 6,593 |
| Net loans and leases to deposits | 47.7574% | 6,513 |
| Net loans and leases to core deposits | 50.9516% | 6,479 |
| Total domestic deposits to total assets | 81.8386% | 5,179 |
| Equity capital to assets | 17.2071% | 427 |
| Core capital (leverage) ratio | 16.1025% | 451 |
| Tier 1 risk-based capital ratio | 34.6568% | 341 |
| Total risk-based capital ratio | 35.4798% | 352 |
| Memoranda: | ||
| Average total assets | $65,269,800 | 5,887 |
| Average earning assets | $61,522,000 | 5,821 |
| Average equity | $10,760,000 | 4,837 |
| Average total loans | $27,025,600 | 6,294 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 3,889 |
| Cost of funding earning assets | 1.5182% | 800 |
| Net interest margin | 3.3113% | 5,826 |
| Noninterest income to average assets | 0.3514% | 5,044 |
| Noninterest expense to average assets | 1.9956% | 6,700 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9988% | 2,328 |
| Return on assets (ROA) | 0.9988% | 2,477 |
| Pretax return on assets | 1.4757% | 1,718 |
| Return on Equity (ROE) | 6.1280% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.1280% | 2,476 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3712% | 6,096 |
| Assets per employee ($millions) | 6.5982% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 6,568 |
| Loan loss allowance to noncurrent loans | 32.5098% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 4,150 |
| Noncurrent loans to loans | 2.7989% | 2,487 |
| Net loans and leases to total assets | 41.2613% | 6,538 |
| Net loans and leases to deposits | 50.3933% | 6,481 |
| Net loans and leases to core deposits | 53.8022% | 6,471 |
| Total domestic deposits to total assets | 81.8784% | 5,139 |
| Equity capital to assets | 17.1335% | 472 |
| Core capital (leverage) ratio | 16.0553% | 498 |
| Tier 1 risk-based capital ratio | 34.8966% | 358 |
| Total risk-based capital ratio | 35.7383% | 363 |
| Memoranda: | ||
| Average total assets | $64,873,250 | 5,941 |
| Average earning assets | $61,122,750 | 5,863 |
| Average equity | $10,574,000 | 4,903 |
| Average total loans | $27,187,000 | 6,344 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 3,906 |
| Cost of funding earning assets | 1.5433% | 857 |
| Net interest margin | 3.2973% | 5,867 |
| Noninterest income to average assets | 0.2884% | 5,575 |
| Noninterest expense to average assets | 1.9968% | 6,802 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9612% | 2,387 |
| Return on assets (ROA) | 0.9612% | 2,489 |
| Pretax return on assets | 1.3984% | 1,802 |
| Return on Equity (ROE) | 6.0017% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.0017% | 2,431 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6301% | 6,081 |
| Assets per employee ($millions) | 6.5369% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 6,603 |
| Loan loss allowance to noncurrent loans | 27.5938% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 1.4303% | 4,067 |
| Noncurrent loans to loans | 3.3304% | 2,145 |
| Net loans and leases to total assets | 41.2336% | 6,651 |
| Net loans and leases to deposits | 49.8041% | 6,614 |
| Net loans and leases to core deposits | 53.1595% | 6,606 |
| Total domestic deposits to total assets | 82.7915% | 4,853 |
| Equity capital to assets | 16.4375% | 551 |
| Core capital (leverage) ratio | 15.7905% | 530 |
| Tier 1 risk-based capital ratio | 35.9794% | 323 |
| Total risk-based capital ratio | 36.8622% | 329 |
| Memoranda: | ||
| Average total assets | $64,503,670 | 6,001 |
| Average earning assets | $60,777,330 | 5,926 |
| Average equity | $10,330,330 | 4,965 |
| Average total loans | $27,091,000 | 6,408 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 3,939 |
| Cost of funding earning assets | 1.5660% | 930 |
| Net interest margin | 3.2580% | 5,907 |
| Noninterest income to average assets | 0.3559% | 5,056 |
| Noninterest expense to average assets | 1.9041% | 6,981 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0801% | 1,910 |
| Return on assets (ROA) | 1.0801% | 1,960 |
| Pretax return on assets | 1.5171% | 1,395 |
| Return on Equity (ROE) | 6.8359% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.8359% | 2,221 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4745% | 6,562 |
| Assets per employee ($millions) | 6.4705% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 6,593 |
| Loan loss allowance to noncurrent loans | 35.7143% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 4,674 |
| Noncurrent loans to loans | 2.6274% | 2,871 |
| Net loans and leases to total assets | 40.7882% | 6,719 |
| Net loans and leases to deposits | 48.8280% | 6,701 |
| Net loans and leases to core deposits | 52.4410% | 6,658 |
| Total domestic deposits to total assets | 83.5345% | 4,684 |
| Equity capital to assets | 15.6835% | 630 |
| Core capital (leverage) ratio | 15.5703% | 568 |
| Tier 1 risk-based capital ratio | 35.2764% | 341 |
| Total risk-based capital ratio | 36.1537% | 345 |
| Memoranda: | ||
| Average total assets | $64,071,000 | 6,060 |
| Average earning assets | $60,281,500 | 5,986 |
| Average equity | $10,123,000 | 5,014 |
| Average total loans | $27,034,500 | 6,470 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3616% | 2,851 |
| Cost of funding earning assets | 1.8122% | 1,121 |
| Net interest margin | 3.5494% | 5,038 |
| Noninterest income to average assets | 0.3797% | 5,064 |
| Noninterest expense to average assets | 2.1911% | 6,640 |
| Loan and lease loss provision to assets | 0.0840% | 6,310 |
| Net operating income to assets | 1.0065% | 2,021 |
| Return on assets (ROA) | 1.0065% | 2,125 |
| Pretax return on assets | 1.4383% | 1,545 |
| Return on Equity (ROE) | 6.0496% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.0496% | 1,785 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0045% | 6,197 |
| Assets per employee ($millions) | 6.3437% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 6,694 |
| Loan loss allowance to noncurrent loans | 28.4091% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3872% | 4,260 |
| Noncurrent loans to loans | 3.2085% | 2,366 |
| Net loans and leases to total assets | 42.8409% | 6,805 |
| Net loans and leases to deposits | 51.4404% | 6,784 |
| Net loans and leases to core deposits | 55.3492% | 6,730 |
| Total domestic deposits to total assets | 83.2826% | 4,681 |
| Equity capital to assets | 15.9182% | 595 |
| Core capital (leverage) ratio | 15.6526% | 551 |
| Tier 1 risk-based capital ratio | 35.6077% | 332 |
| Total risk-based capital ratio | 36.5088% | 334 |
| Memoranda: | ||
| Average total assets | $59,514,400 | 6,222 |
| Average earning assets | $55,897,400 | 6,136 |
| Average equity | $9,901,400 | 5,162 |
| Average total loans | $28,193,400 | 6,488 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4366% | 2,711 |
| Cost of funding earning assets | 1.8171% | 1,355 |
| Net interest margin | 3.6196% | 4,789 |
| Noninterest income to average assets | 0.3143% | 5,638 |
| Noninterest expense to average assets | 2.0614% | 6,931 |
| Loan and lease loss provision to assets | 0.1139% | 5,895 |
| Net operating income to assets | 1.0842% | 1,947 |
| Return on assets (ROA) | 1.0842% | 2,059 |
| Pretax return on assets | 1.5375% | 1,516 |
| Return on Equity (ROE) | 6.4417% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.4417% | 2,120 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5215% | 6,621 |
| Assets per employee ($millions) | 6.1756% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 6,783 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 5,068 |
| Noncurrent loans to loans | 2.2169% | 3,425 |
| Net loans and leases to total assets | 45.2474% | 6,755 |
| Net loans and leases to deposits | 54.8752% | 6,697 |
| Net loans and leases to core deposits | 59.2075% | 6,659 |
| Total domestic deposits to total assets | 82.4551% | 4,816 |
| Equity capital to assets | 16.6510% | 563 |
| Core capital (leverage) ratio | 16.0045% | 564 |
| Tier 1 risk-based capital ratio | 43.0121% | 203 |
| Total risk-based capital ratio | 44.1143% | 201 |
| Memoranda: | ||
| Average total assets | $58,533,750 | 6,323 |
| Average earning assets | $54,959,250 | 6,237 |
| Average equity | $9,852,250 | 5,240 |
| Average total loans | $28,385,000 | 6,565 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4722% | 2,647 |
| Cost of funding earning assets | 1.8401% | 1,487 |
| Net interest margin | 3.6320% | 4,678 |
| Noninterest income to average assets | 0.3376% | 5,450 |
| Noninterest expense to average assets | 2.1406% | 6,787 |
| Loan and lease loss provision to assets | 0.1740% | 5,126 |
| Net operating income to assets | 1.0268% | 2,096 |
| Return on assets (ROA) | 1.0268% | 2,173 |
| Pretax return on assets | 1.4306% | 1,748 |
| Return on Equity (ROE) | 6.0770% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.0770% | 2,290 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1561% | 6,488 |
| Assets per employee ($millions) | 5.8853% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 6,858 |
| Loan loss allowance to noncurrent loans | 20.6441% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 2.0577% | 3,437 |
| Noncurrent loans to loans | 4.2069% | 1,770 |
| Net loans and leases to total assets | 48.4869% | 6,594 |
| Net loans and leases to deposits | 59.0734% | 6,492 |
| Net loans and leases to core deposits | 63.5687% | 6,444 |
| Total domestic deposits to total assets | 82.0791% | 4,950 |
| Equity capital to assets | 17.0764% | 516 |
| Core capital (leverage) ratio | 16.4706% | 504 |
| Tier 1 risk-based capital ratio | 37.4829% | 290 |
| Total risk-based capital ratio | 38.4615% | 288 |
| Memoranda: | ||
| Average total assets | $57,459,670 | 6,418 |
| Average earning assets | $53,909,330 | 6,328 |
| Average equity | $9,708,670 | 5,286 |
| Average total loans | $28,449,000 | 6,606 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 2,804 |
| Cost of funding earning assets | 1.8434% | 1,683 |
| Net interest margin | 3.6116% | 4,677 |
| Noninterest income to average assets | 0.4228% | 4,716 |
| Noninterest expense to average assets | 2.2338% | 6,598 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1275% | 1,748 |
| Return on assets (ROA) | 1.1275% | 1,824 |
| Pretax return on assets | 1.5714% | 1,337 |
| Return on Equity (ROE) | 6.7100% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.7100% | 2,265 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7037% | 6,378 |
| Assets per employee ($millions) | 5.7412% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 7,346 |
| Loan loss allowance to noncurrent loans | 86.2069% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 6,463 |
| Noncurrent loans to loans | 0.8053% | 5,704 |
| Net loans and leases to total assets | 49.8293% | 6,479 |
| Net loans and leases to deposits | 60.5332% | 6,411 |
| Net loans and leases to core deposits | 65.2332% | 6,347 |
| Total domestic deposits to total assets | 82.3173% | 4,926 |
| Equity capital to assets | 16.7613% | 559 |
| Core capital (leverage) ratio | 16.5113% | 502 |
| Tier 1 risk-based capital ratio | 36.9511% | 310 |
| Total risk-based capital ratio | 37.7339% | 312 |
| Memoranda: | ||
| Average total assets | $56,763,000 | 6,514 |
| Average earning assets | $53,162,500 | 6,431 |
| Average equity | $9,538,000 | 5,370 |
| Average total loans | $28,280,500 | 6,697 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9241% | 2,145 |
| Cost of funding earning assets | 2.3664% | 1,401 |
| Net interest margin | 3.5577% | 4,708 |
| Noninterest income to average assets | 0.3714% | 5,433 |
| Noninterest expense to average assets | 2.2999% | 6,751 |
| Loan and lease loss provision to assets | 0.0754% | 6,835 |
| Net operating income to assets | 0.9784% | 1,912 |
| Return on assets (ROA) | 0.9784% | 1,965 |
| Pretax return on assets | 1.3234% | 1,630 |
| Return on Equity (ROE) | 5.6170% | 3,373 |
| Retained earnings to average equity (ytd only) | 5.6170% | 1,516 |
| Net charge-offs to loans | 0.1382% | 5,832 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 18.5500% | 1,119 |
| Efficiency ratio | 62.1814% | 6,123 |
| Assets per employee ($millions) | 5.1013% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 7,330 |
| Loan loss allowance to noncurrent loans | 21.1416% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7554% | 3,740 |
| Noncurrent loans to loans | 3.4086% | 2,241 |
| Net loans and leases to total assets | 49.1018% | 6,718 |
| Net loans and leases to deposits | 59.7523% | 6,648 |
| Net loans and leases to core deposits | 131.5744% | 1,193 |
| Total domestic deposits to total assets | 82.1756% | 4,875 |
| Equity capital to assets | 16.8461% | 572 |
| Core capital (leverage) ratio | 16.6168% | 535 |
| Tier 1 risk-based capital ratio | 36.9261% | 304 |
| Total risk-based capital ratio | 37.7218% | 307 |
| Memoranda: | ||
| Average total assets | $53,045,400 | 6,593 |
| Average earning assets | $49,611,200 | 6,539 |
| Average equity | $9,239,800 | 5,533 |
| Average total loans | $28,938,000 | 6,691 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9993% | 2,044 |
| Cost of funding earning assets | 2.4270% | 1,532 |
| Net interest margin | 3.5723% | 4,584 |
| Noninterest income to average assets | 0.3877% | 5,409 |
| Noninterest expense to average assets | 2.2163% | 6,931 |
| Loan and lease loss provision to assets | 0.1377% | 5,973 |
| Net operating income to assets | 1.0329% | 1,958 |
| Return on assets (ROA) | 1.0329% | 2,022 |
| Pretax return on assets | 1.3747% | 1,758 |
| Return on Equity (ROE) | 5.8781% | 3,575 |
| Retained earnings to average equity (ytd only) | 5.8781% | 2,011 |
| Net charge-offs to loans | 0.1323% | 5,374 |
| Credit loss provision to net charge-offs | 186.2069% | 2,447 |
| Earnings coverage of net charge-offs (x) | 20.4461% | 1,237 |
| Efficiency ratio | 59.4391% | 6,491 |
| Assets per employee ($millions) | 4.9445% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 7,154 |
| Loan loss allowance to noncurrent loans | 35.8280% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2116% | 4,650 |
| Noncurrent loans to loans | 2.2055% | 3,371 |
| Net loans and leases to total assets | 51.9388% | 6,602 |
| Net loans and leases to deposits | 63.5023% | 6,541 |
| Net loans and leases to core deposits | 135.1497% | 1,144 |
| Total domestic deposits to total assets | 81.7904% | 4,772 |
| Equity capital to assets | 17.2866% | 590 |
| Core capital (leverage) ratio | 16.9656% | 559 |
| Tier 1 risk-based capital ratio | 37.7258% | 317 |
| Total risk-based capital ratio | 38.6518% | 316 |
| Memoranda: | ||
| Average total assets | $52,278,250 | 6,669 |
| Average earning assets | $48,893,000 | 6,618 |
| Average equity | $9,186,500 | 5,599 |
| Average total loans | $29,234,250 | 6,723 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2508% | 1,330 |
| Cost of funding earning assets | 2.4987% | 1,614 |
| Net interest margin | 3.7522% | 3,744 |
| Noninterest income to average assets | 0.3994% | 5,292 |
| Noninterest expense to average assets | 2.2802% | 6,817 |
| Loan and lease loss provision to assets | 0.1008% | 6,164 |
| Net operating income to assets | 1.1634% | 1,577 |
| Return on assets (ROA) | 1.1634% | 1,657 |
| Pretax return on assets | 1.5240% | 1,380 |
| Return on Equity (ROE) | 6.5828% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.5828% | 1,753 |
| Net charge-offs to loans | 0.0068% | 6,503 |
| Credit loss provision to net charge-offs | 2,600.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 88 |
| Efficiency ratio | 58.3913% | 6,790 |
| Assets per employee ($millions) | 5.2526% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 7,195 |
| Loan loss allowance to noncurrent loans | 21.8447% | 7,025 |
| Noncurrent assets plus other real estate owned to assets | 1.9609% | 3,246 |
| Noncurrent loans to loans | 3.6018% | 1,936 |
| Net loans and leases to total assets | 54.0152% | 6,453 |
| Net loans and leases to deposits | 66.3037% | 6,361 |
| Net loans and leases to core deposits | 136.4366% | 1,187 |
| Total domestic deposits to total assets | 81.4663% | 4,909 |
| Equity capital to assets | 17.6122% | 592 |
| Core capital (leverage) ratio | 17.3469% | 574 |
| Tier 1 risk-based capital ratio | 37.9624% | 347 |
| Total risk-based capital ratio | 38.9049% | 348 |
| Memoranda: | ||
| Average total assets | $51,574,670 | 6,768 |
| Average earning assets | $48,185,670 | 6,703 |
| Average equity | $9,114,670 | 5,644 |
| Average total loans | $29,487,670 | 6,764 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1571% | 1,736 |
| Cost of funding earning assets | 2.5668% | 1,670 |
| Net interest margin | 3.5902% | 4,356 |
| Noninterest income to average assets | 0.2975% | 6,056 |
| Noninterest expense to average assets | 2.0431% | 7,244 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1820% | 1,705 |
| Return on assets (ROA) | 1.1820% | 1,814 |
| Pretax return on assets | 1.6047% | 1,390 |
| Return on Equity (ROE) | 6.6766% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.6766% | 2,337 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0086% | 6,971 |
| Assets per employee ($millions) | 5.7312% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6701% | 7,529 |
| Loan loss allowance to noncurrent loans | 71.1744% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 5,844 |
| Noncurrent loans to loans | 0.9414% | 5,114 |
| Net loans and leases to total assets | 57.4785% | 6,030 |
| Net loans and leases to deposits | 70.6494% | 5,916 |
| Net loans and leases to core deposits | 140.6652% | 1,071 |
| Total domestic deposits to total assets | 81.3575% | 4,813 |
| Equity capital to assets | 17.6693% | 647 |
| Core capital (leverage) ratio | 17.3808% | 610 |
| Tier 1 risk-based capital ratio | 40.8920% | 311 |
| Total risk-based capital ratio | 41.8097% | 304 |
| Memoranda: | ||
| Average total assets | $51,099,000 | 6,815 |
| Average earning assets | $47,685,000 | 6,758 |
| Average equity | $9,046,500 | 5,693 |
| Average total loans | $29,933,000 | 6,766 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6416% | 2,282 |
| Cost of funding earning assets | 3.2162% | 1,140 |
| Net interest margin | 3.4254% | 5,558 |
| Noninterest income to average assets | 0.3453% | 5,975 |
| Noninterest expense to average assets | 2.3506% | 6,567 |
| Loan and lease loss provision to assets | 1.4493% | 943 |
| Net operating income to assets | -0.5821% | 6,990 |
| Return on assets (ROA) | -0.6363% | 6,921 |
| Pretax return on assets | -0.3854% | 6,535 |
| Return on Equity (ROE) | -3.3891% | 6,674 |
| Retained earnings to average equity (ytd only) | -3.3891% | 6,205 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7662% | 4,761 |
| Assets per employee ($millions) | 5.6241% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 7,514 |
| Loan loss allowance to noncurrent loans | 35.7143% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1063% | 4,065 |
| Noncurrent loans to loans | 1.8655% | 2,962 |
| Net loans and leases to total assets | 58.9091% | 6,072 |
| Net loans and leases to deposits | 72.5128% | 5,999 |
| Net loans and leases to core deposits | 143.7636% | 1,100 |
| Total domestic deposits to total assets | 81.2395% | 4,536 |
| Equity capital to assets | 17.7391% | 687 |
| Core capital (leverage) ratio | 17.4236% | 656 |
| Tier 1 risk-based capital ratio | 39.3603% | 352 |
| Total risk-based capital ratio | 40.2587% | 350 |
| Memoranda: | ||
| Average total assets | $49,817,400 | 6,783 |
| Average earning assets | $45,426,000 | 6,793 |
| Average equity | $9,353,400 | 5,617 |
| Average total loans | $28,529,400 | 6,794 |