Home > Security State Bank of Kenyon > Performance and Condition Ratios
Security State Bank of Kenyon, 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 | 5.8700% | 749 |
| Cost of funding earning assets | 0.4643% | 4,235 |
| Net interest margin | 5.4057% | 208 |
| Noninterest income to average assets | 1.4800% | 393 |
| Noninterest expense to average assets | 3.1387% | 903 |
| Loan and lease loss provision to assets | -0.8100% | 4,592 |
| Net operating income to assets | 3.7287% | 112 |
| Return on assets (ROA) | 3.7147% | 114 |
| Pretax return on assets | 4.1067% | 110 |
| Return on Equity (ROE) | 32.7100% | 146 |
| Retained earnings to average equity (ytd only) | 25.0735% | 72 |
| Net charge-offs to loans | -0.4509% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.6510% | 4,056 |
| Assets per employee ($millions) | 5.1655% | 3,508 |
| Cash dividends to net income (ytd only)* | 23.3524% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,007 |
| Loan loss allowance to noncurrent loans | 48.5714% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.5487% | 237 |
| Noncurrent loans to loans | 2.1897% | 243 |
| Net loans and leases to total assets | 69.9800% | 1,810 |
| Net loans and leases to deposits | 80.2706% | 2,082 |
| Net loans and leases to core deposits | 84.7911% | 2,396 |
| Total domestic deposits to total assets | 87.1800% | 1,617 |
| Equity capital to assets | 12.5005% | 992 |
| Core capital (leverage) ratio | 13.7573% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7523% | 816 |
| Memoranda: | ||
| Average total assets | $70,665,200 | 4,104 |
| Average earning assets | $65,042,800 | 4,088 |
| Average equity | $8,024,400 | 3,922 |
| Average total loans | $47,016,400 | 3,885 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1752% | 434 |
| Cost of funding earning assets | 0.4065% | 4,249 |
| Net interest margin | 5.7688% | 130 |
| Noninterest income to average assets | 1.9000% | 298 |
| Noninterest expense to average assets | 3.1600% | 859 |
| Loan and lease loss provision to assets | -0.9000% | 4,620 |
| Net operating income to assets | 4.7105% | 90 |
| Return on assets (ROA) | 4.7105% | 90 |
| Pretax return on assets | 4.9478% | 98 |
| Return on Equity (ROE) | 42.5900% | 105 |
| Retained earnings to average equity (ytd only) | 32.0692% | 74 |
| Net charge-offs to loans | -0.6147% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.8504% | 4,233 |
| Assets per employee ($millions) | 4.8811% | 3,684 |
| Cash dividends to net income (ytd only)* | 24.6978% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,646 |
| Loan loss allowance to noncurrent loans | 52.3163% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.8321% | 165 |
| Noncurrent loans to loans | 2.5841% | 189 |
| Net loans and leases to total assets | 69.9400% | 1,834 |
| Net loans and leases to deposits | 80.1126% | 2,038 |
| Net loans and leases to core deposits | 84.8877% | 2,270 |
| Total domestic deposits to total assets | 87.3100% | 1,798 |
| Equity capital to assets | 12.4078% | 943 |
| Core capital (leverage) ratio | 13.6879% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7088% | 733 |
| Memoranda: | ||
| Average total assets | $70,252,250 | 4,128 |
| Average earning assets | $64,622,000 | 4,111 |
| Average equity | $7,770,500 | 3,957 |
| Average total loans | $45,983,250 | 3,911 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6250% | 231 |
| Cost of funding earning assets | 0.3785% | 4,202 |
| Net interest margin | 6.2465% | 90 |
| Noninterest income to average assets | 2.7100% | 190 |
| Noninterest expense to average assets | 3.2472% | 746 |
| Loan and lease loss provision to assets | -1.0400% | 4,647 |
| Net operating income to assets | 5.9274% | 56 |
| Return on assets (ROA) | 5.9274% | 56 |
| Pretax return on assets | 6.2293% | 68 |
| Return on Equity (ROE) | 55.7700% | 53 |
| Retained earnings to average equity (ytd only) | 39.4992% | 52 |
| Net charge-offs to loans | -0.9167% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 38.5079% | 4,430 |
| Assets per employee ($millions) | 4.9451% | 3,639 |
| Cash dividends to net income (ytd only)* | 29.1766% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 871 |
| Loan loss allowance to noncurrent loans | 55.3925% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.9687% | 142 |
| Noncurrent loans to loans | 2.9477% | 147 |
| Net loans and leases to total assets | 65.7000% | 2,188 |
| Net loans and leases to deposits | 74.9078% | 2,412 |
| Net loans and leases to core deposits | 79.6386% | 2,496 |
| Total domestic deposits to total assets | 87.7100% | 1,704 |
| Equity capital to assets | 12.0291% | 1,038 |
| Core capital (leverage) ratio | 12.7295% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5458% | 758 |
| Memoranda: | ||
| Average total assets | $70,891,000 | 4,138 |
| Average earning assets | $64,996,000 | 4,131 |
| Average equity | $7,534,333 | 4,013 |
| Average total loans | $45,160,667 | 3,936 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8140% | 68 |
| Cost of funding earning assets | 0.3307% | 4,125 |
| Net interest margin | 7.4833% | 34 |
| Noninterest income to average assets | 1.7800% | 269 |
| Noninterest expense to average assets | 3.4690% | 561 |
| Loan and lease loss provision to assets | -1.6700% | 4,673 |
| Net operating income to assets | 6.7875% | 54 |
| Return on assets (ROA) | 6.7875% | 54 |
| Pretax return on assets | 6.7986% | 66 |
| Return on Equity (ROE) | 68.2000% | 46 |
| Retained earnings to average equity (ytd only) | 33.8494% | 86 |
| Net charge-offs to loans | -1.9632% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.3634% | 4,439 |
| Assets per employee ($millions) | 5.0929% | 3,581 |
| Cash dividends to net income (ytd only)* | 50.3698% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 466 |
| Loan loss allowance to noncurrent loans | 27.5964% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 4.2538% | 24 |
| Noncurrent loans to loans | 7.1424% | 29 |
| Net loans and leases to total assets | 58.3800% | 2,834 |
| Net loans and leases to deposits | 66.0856% | 2,929 |
| Net loans and leases to core deposits | 70.0926% | 2,949 |
| Total domestic deposits to total assets | 88.3500% | 1,792 |
| Equity capital to assets | 10.5146% | 1,554 |
| Core capital (leverage) ratio | 11.2438% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3834% | 933 |
| Memoranda: | ||
| Average total assets | $71,720,500 | 4,184 |
| Average earning assets | $65,318,500 | 4,179 |
| Average equity | $7,137,500 | 4,103 |
| Average total loans | $44,621,500 | 3,987 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 518 |
| Cost of funding earning assets | 0.3709% | 2,321 |
| Net interest margin | 4.3269% | 401 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.7290% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0921% | 2,210 |
| Return on assets (ROA) | 1.0895% | 2,161 |
| Pretax return on assets | 1.0908% | 2,801 |
| Return on Equity (ROE) | 12.6900% | 1,909 |
| Retained earnings to average equity (ytd only) | 12.6864% | 556 |
| Net charge-offs to loans | -0.0245% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.3938% | 1,512 |
| Assets per employee ($millions) | 5.5492% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9625% | 466 |
| Loan loss allowance to noncurrent loans | 29.6512% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 6.2088% | 12 |
| Noncurrent loans to loans | 6.6185% | 35 |
| Net loans and leases to total assets | 63.5700% | 2,283 |
| Net loans and leases to deposits | 70.3601% | 2,554 |
| Net loans and leases to core deposits | 74.4686% | 2,532 |
| Total domestic deposits to total assets | 90.3500% | 1,222 |
| Equity capital to assets | 9.3956% | 2,079 |
| Core capital (leverage) ratio | 10.4225% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9420% | 1,379 |
| Memoranda: | ||
| Average total assets | $75,265,800 | 4,181 |
| Average earning assets | $57,962,800 | 4,291 |
| Average equity | $6,463,600 | 4,279 |
| Average total loans | $44,832,800 | 3,979 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 715 |
| Cost of funding earning assets | 0.3918% | 1,350 |
| Net interest margin | 3.9185% | 768 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.7228% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6084% | 3,811 |
| Return on assets (ROA) | 0.6049% | 3,782 |
| Pretax return on assets | 0.6066% | 3,975 |
| Return on Equity (ROE) | 7.2000% | 3,548 |
| Retained earnings to average equity (ytd only) | 7.2042% | 2,299 |
| Net charge-offs to loans | -0.0271% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.6938% | 671 |
| Assets per employee ($millions) | 5.6043% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 509 |
| Loan loss allowance to noncurrent loans | 17.3255% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 7.7729% | 4 |
| Noncurrent loans to loans | 11.5343% | 8 |
| Net loans and leases to total assets | 61.6600% | 2,333 |
| Net loans and leases to deposits | 67.4226% | 2,587 |
| Net loans and leases to core deposits | 70.4256% | 2,613 |
| Total domestic deposits to total assets | 91.4500% | 1,067 |
| Equity capital to assets | 8.2999% | 2,680 |
| Core capital (leverage) ratio | 9.3480% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0757% | 1,684 |
| Memoranda: | ||
| Average total assets | $76,047,250 | 4,197 |
| Average earning assets | $56,483,250 | 4,337 |
| Average equity | $6,385,000 | 4,327 |
| Average total loans | $44,346,500 | 4,012 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 327 |
| Cost of funding earning assets | 0.4190% | 812 |
| Net interest margin | 4.1602% | 359 |
| Noninterest income to average assets | 0.2646% | 3,589 |
| Noninterest expense to average assets | 2.7104% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4098% | 4,089 |
| Return on assets (ROA) | 0.4098% | 4,039 |
| Pretax return on assets | 0.4124% | 4,140 |
| Return on Equity (ROE) | 4.8633% | 3,842 |
| Retained earnings to average equity (ytd only) | 4.8633% | 2,756 |
| Net charge-offs to loans | -0.0319% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7940% | 548 |
| Assets per employee ($millions) | 5.4351% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0569% | 494 |
| Loan loss allowance to noncurrent loans | 17.4861% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 7.5475% | 8 |
| Noncurrent loans to loans | 11.7632% | 8 |
| Net loans and leases to total assets | 57.1960% | 2,616 |
| Net loans and leases to deposits | 62.5751% | 2,844 |
| Net loans and leases to core deposits | 65.2362% | 2,880 |
| Total domestic deposits to total assets | 91.4037% | 1,063 |
| Equity capital to assets | 8.2296% | 2,958 |
| Core capital (leverage) ratio | 9.1060% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4594% | 1,879 |
| Memoranda: | ||
| Average total assets | $77,111,000 | 4,234 |
| Average earning assets | $52,977,667 | 4,432 |
| Average equity | $6,497,667 | 4,367 |
| Average total loans | $43,849,667 | 4,073 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 114 |
| Cost of funding earning assets | 0.4539% | 640 |
| Net interest margin | 4.8309% | 116 |
| Noninterest income to average assets | 0.3143% | 3,214 |
| Noninterest expense to average assets | 2.8497% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6957% | 3,072 |
| Return on assets (ROA) | 0.6957% | 3,061 |
| Pretax return on assets | 0.7008% | 3,392 |
| Return on Equity (ROE) | 8.1626% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.1626% | 1,529 |
| Net charge-offs to loans | -0.0459% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2612% | 1,132 |
| Assets per employee ($millions) | 5.9305% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1889% | 446 |
| Loan loss allowance to noncurrent loans | 15.4158% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 7.6735% | 7 |
| Noncurrent loans to loans | 14.1993% | 6 |
| Net loans and leases to total assets | 52.8588% | 2,901 |
| Net loans and leases to deposits | 57.9217% | 3,086 |
| Net loans and leases to core deposits | 59.0318% | 3,237 |
| Total domestic deposits to total assets | 91.2589% | 908 |
| Equity capital to assets | 8.4375% | 3,213 |
| Core capital (leverage) ratio | 8.7713% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9596% | 1,813 |
| Memoranda: | ||
| Average total assets | $77,621,000 | 4,247 |
| Average earning assets | $51,998,500 | 4,464 |
| Average equity | $6,615,500 | 4,400 |
| Average total loans | $43,557,000 | 4,087 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 600 |
| Cost of funding earning assets | 0.5249% | 808 |
| Net interest margin | 3.9813% | 741 |
| Noninterest income to average assets | 0.2880% | 3,669 |
| Noninterest expense to average assets | 2.7334% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2852% | 4,441 |
| Return on assets (ROA) | 0.2852% | 4,465 |
| Pretax return on assets | 0.2852% | 4,505 |
| Return on Equity (ROE) | 3.0370% | 4,356 |
| Retained earnings to average equity (ytd only) | 1.9094% | 4,004 |
| Net charge-offs to loans | -0.0431% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5519% | 312 |
| Assets per employee ($millions) | 6.0112% | 2,763 |
| Cash dividends to net income (ytd only)* | 37.1287% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9956% | 610 |
| Loan loss allowance to noncurrent loans | 15.2411% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 7.6152% | 9 |
| Noncurrent loans to loans | 13.0935% | 7 |
| Net loans and leases to total assets | 56.9997% | 2,480 |
| Net loans and leases to deposits | 62.6017% | 2,824 |
| Net loans and leases to core deposits | 64.2636% | 2,955 |
| Total domestic deposits to total assets | 91.0514% | 476 |
| Equity capital to assets | 8.6070% | 3,987 |
| Core capital (leverage) ratio | 9.3490% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2876% | 2,130 |
| Memoranda: | ||
| Average total assets | $70,827,800 | 4,332 |
| Average earning assets | $48,576,800 | 4,521 |
| Average equity | $6,651,200 | 4,464 |
| Average total loans | $44,084,000 | 4,107 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 726 |
| Cost of funding earning assets | 0.5390% | 879 |
| Net interest margin | 3.9163% | 906 |
| Noninterest income to average assets | 0.2957% | 3,678 |
| Noninterest expense to average assets | 2.7710% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2203% | 4,608 |
| Return on assets (ROA) | 0.2203% | 4,631 |
| Pretax return on assets | 0.2203% | 4,656 |
| Return on Equity (ROE) | 2.2917% | 4,552 |
| Retained earnings to average equity (ytd only) | 0.7840% | 4,453 |
| Net charge-offs to loans | -0.0457% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6357% | 258 |
| Assets per employee ($millions) | 5.1103% | 3,590 |
| Cash dividends to net income (ytd only)* | 65.7895% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 587 |
| Loan loss allowance to noncurrent loans | 15.0375% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 8.3934% | 7 |
| Noncurrent loans to loans | 13.5559% | 7 |
| Net loans and leases to total assets | 60.6550% | 2,177 |
| Net loans and leases to deposits | 67.1209% | 2,528 |
| Net loans and leases to core deposits | 69.0783% | 2,676 |
| Total domestic deposits to total assets | 90.3668% | 610 |
| Equity capital to assets | 9.3034% | 3,556 |
| Core capital (leverage) ratio | 9.1925% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7361% | 2,075 |
| Memoranda: | ||
| Average total assets | $68,998,250 | 4,407 |
| Average earning assets | $47,492,500 | 4,598 |
| Average equity | $6,632,500 | 4,531 |
| Average total loans | $43,742,500 | 4,171 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 915 |
| Cost of funding earning assets | 0.5416% | 981 |
| Net interest margin | 3.8126% | 1,121 |
| Noninterest income to average assets | 0.3199% | 3,509 |
| Noninterest expense to average assets | 2.8672% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0528% | 4,749 |
| Return on assets (ROA) | 0.0528% | 4,759 |
| Pretax return on assets | 0.0558% | 4,757 |
| Return on Equity (ROE) | 0.5434% | 4,747 |
| Retained earnings to average equity (ytd only) | -1.7208% | 4,658 |
| Net charge-offs to loans | -0.1056% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0924% | 186 |
| Assets per employee ($millions) | 5.2161% | 3,438 |
| Cash dividends to net income (ytd only)* | 416.6667% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1387% | 478 |
| Loan loss allowance to noncurrent loans | 15.5647% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 8.0150% | 8 |
| Noncurrent loans to loans | 13.7410% | 9 |
| Net loans and leases to total assets | 57.0810% | 2,779 |
| Net loans and leases to deposits | 62.9582% | 3,107 |
| Net loans and leases to core deposits | 65.2587% | 3,179 |
| Total domestic deposits to total assets | 90.6650% | 489 |
| Equity capital to assets | 9.0502% | 3,756 |
| Core capital (leverage) ratio | 9.6227% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8018% | 2,050 |
| Memoranda: | ||
| Average total assets | $68,149,667 | 4,442 |
| Average earning assets | $46,530,000 | 4,635 |
| Average equity | $6,624,667 | 4,558 |
| Average total loans | $43,557,333 | 4,205 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 823 |
| Cost of funding earning assets | 0.5355% | 1,180 |
| Net interest margin | 3.9273% | 942 |
| Noninterest income to average assets | 0.3104% | 3,547 |
| Noninterest expense to average assets | 3.0680% | 880 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0487% | 4,755 |
| Return on assets (ROA) | 0.0487% | 4,761 |
| Pretax return on assets | 0.0548% | 4,759 |
| Return on Equity (ROE) | 0.4825% | 4,755 |
| Retained earnings to average equity (ytd only) | -4.0407% | 4,659 |
| Net charge-offs to loans | -0.1817% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2456% | 212 |
| Assets per employee ($millions) | 4.7704% | 3,867 |
| Cash dividends to net income (ytd only)* | 937.5000% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1706% | 444 |
| Loan loss allowance to noncurrent loans | 15.2785% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 8.8986% | 8 |
| Noncurrent loans to loans | 14.2068% | 11 |
| Net loans and leases to total assets | 61.2763% | 2,369 |
| Net loans and leases to deposits | 68.2852% | 2,670 |
| Net loans and leases to core deposits | 71.0424% | 2,780 |
| Total domestic deposits to total assets | 89.7359% | 937 |
| Equity capital to assets | 9.8808% | 2,817 |
| Core capital (leverage) ratio | 10.1534% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3161% | 1,809 |
| Memoranda: | ||
| Average total assets | $65,711,500 | 4,484 |
| Average earning assets | $47,055,500 | 4,651 |
| Average equity | $6,632,500 | 4,570 |
| Average total loans | $44,038,500 | 4,205 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 970 |
| Cost of funding earning assets | 0.5397% | 2,682 |
| Net interest margin | 4.1187% | 752 |
| Noninterest income to average assets | 0.2888% | 3,757 |
| Noninterest expense to average assets | 3.2938% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3446% | 4,363 |
| Return on assets (ROA) | 0.3446% | 4,430 |
| Pretax return on assets | 0.3463% | 4,492 |
| Return on Equity (ROE) | 3.1076% | 4,352 |
| Retained earnings to average equity (ytd only) | 2.1936% | 3,745 |
| Net charge-offs to loans | 0.3517% | 498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.2349% | 3,274 |
| Efficiency ratio | 90.4872% | 361 |
| Assets per employee ($millions) | 4.3091% | 4,106 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9202% | 693 |
| Loan loss allowance to noncurrent loans | 14.3434% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 9.5781% | 6 |
| Noncurrent loans to loans | 13.3874% | 12 |
| Net loans and leases to total assets | 70.1719% | 1,538 |
| Net loans and leases to deposits | 78.5471% | 2,019 |
| Net loans and leases to core deposits | 81.1033% | 2,267 |
| Total domestic deposits to total assets | 89.3374% | 835 |
| Equity capital to assets | 10.3130% | 2,818 |
| Core capital (leverage) ratio | 10.7442% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5518% | 2,031 |
| Memoranda: | ||
| Average total assets | $59,202,200 | 4,521 |
| Average earning assets | $48,171,000 | 4,611 |
| Average equity | $6,564,600 | 4,576 |
| Average total loans | $47,194,200 | 4,159 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 2,915 |
| Cost of funding earning assets | 0.5488% | 2,940 |
| Net interest margin | 3.4712% | 2,690 |
| Noninterest income to average assets | 0.2953% | 3,715 |
| Noninterest expense to average assets | 3.3940% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.2261% | 4,845 |
| Return on assets (ROA) | -0.2261% | 4,854 |
| Pretax return on assets | -0.2238% | 4,845 |
| Return on Equity (ROE) | -2.0156% | 4,861 |
| Retained earnings to average equity (ytd only) | -3.2496% | 4,784 |
| Net charge-offs to loans | 0.0225% | 2,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -12.1250% | 3,203 |
| Efficiency ratio | 107.0597% | 123 |
| Assets per employee ($millions) | 3.9696% | 4,338 |
| Cash dividends to net income (ytd only)* | -61.2245% | 5,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2452% | 321 |
| Loan loss allowance to noncurrent loans | 13.4707% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 13.0408% | 5 |
| Noncurrent loans to loans | 16.6670% | 10 |
| Net loans and leases to total assets | 76.4863% | 1,036 |
| Net loans and leases to deposits | 87.2638% | 1,561 |
| Net loans and leases to core deposits | 90.4044% | 1,941 |
| Total domestic deposits to total assets | 87.6495% | 1,374 |
| Equity capital to assets | 10.6896% | 2,631 |
| Core capital (leverage) ratio | 10.6414% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8398% | 2,270 |
| Memoranda: | ||
| Average total assets | $57,787,000 | 4,555 |
| Average earning assets | $47,859,500 | 4,638 |
| Average equity | $6,482,750 | 4,609 |
| Average total loans | $47,431,500 | 4,179 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 1,797 |
| Cost of funding earning assets | 0.5567% | 3,200 |
| Net interest margin | 3.9839% | 1,365 |
| Noninterest income to average assets | 0.2867% | 3,741 |
| Noninterest expense to average assets | 3.4475% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1888% | 4,585 |
| Return on assets (ROA) | 0.1888% | 4,627 |
| Pretax return on assets | 0.1923% | 4,639 |
| Return on Equity (ROE) | 1.6559% | 4,595 |
| Retained earnings to average equity (ytd only) | -0.1840% | 4,344 |
| Net charge-offs to loans | 0.0419% | 1,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,509 |
| Efficiency ratio | 94.7166% | 279 |
| Assets per employee ($millions) | 3.6619% | 4,573 |
| Cash dividends to net income (ytd only)* | 111.1111% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 332 |
| Loan loss allowance to noncurrent loans | 12.8746% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 13.8402% | 6 |
| Noncurrent loans to loans | 17.0975% | 12 |
| Net loans and leases to total assets | 79.1671% | 702 |
| Net loans and leases to deposits | 90.7639% | 1,284 |
| Net loans and leases to core deposits | 94.0909% | 1,729 |
| Total domestic deposits to total assets | 87.2231% | 1,535 |
| Equity capital to assets | 11.1231% | 2,234 |
| Core capital (leverage) ratio | 11.1984% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0499% | 2,157 |
| Memoranda: | ||
| Average total assets | $57,201,333 | 4,580 |
| Average earning assets | $48,144,333 | 4,650 |
| Average equity | $6,522,000 | 4,626 |
| Average total loans | $47,712,333 | 4,182 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 1,246 |
| Cost of funding earning assets | 0.5633% | 3,624 |
| Net interest margin | 4.3161% | 736 |
| Noninterest income to average assets | 0.2124% | 4,274 |
| Noninterest expense to average assets | 3.4615% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4318% | 4,065 |
| Return on assets (ROA) | 0.4318% | 4,104 |
| Pretax return on assets | 0.4389% | 4,222 |
| Return on Equity (ROE) | 3.7398% | 4,024 |
| Retained earnings to average equity (ytd only) | 0.0613% | 3,974 |
| Net charge-offs to loans | -0.0167% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7477% | 549 |
| Assets per employee ($millions) | 3.5319% | 4,456 |
| Cash dividends to net income (ytd only)* | 98.3607% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2076% | 370 |
| Loan loss allowance to noncurrent loans | 15.1485% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 12.3359% | 10 |
| Noncurrent loans to loans | 14.5733% | 14 |
| Net loans and leases to total assets | 82.7783% | 373 |
| Net loans and leases to deposits | 95.9746% | 910 |
| Net loans and leases to core deposits | 99.6549% | 1,501 |
| Total domestic deposits to total assets | 86.2502% | 1,892 |
| Equity capital to assets | 11.5466% | 2,401 |
| Core capital (leverage) ratio | 11.6580% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3143% | 2,143 |
| Memoranda: | ||
| Average total assets | $56,507,000 | 4,603 |
| Average earning assets | $48,284,500 | 4,672 |
| Average equity | $6,524,500 | 4,662 |
| Average total loans | $47,854,500 | 4,193 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 1,561 |
| Cost of funding earning assets | 0.5367% | 3,937 |
| Net interest margin | 4.4303% | 840 |
| Noninterest income to average assets | 0.3406% | 3,669 |
| Noninterest expense to average assets | 3.4851% | 982 |
| Loan and lease loss provision to assets | 0.2151% | 921 |
| Net operating income to assets | 0.3675% | 4,656 |
| Return on assets (ROA) | 0.3675% | 4,685 |
| Pretax return on assets | 0.3693% | 4,754 |
| Return on Equity (ROE) | 3.1824% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.1333% | 4,343 |
| Net charge-offs to loans | -0.1383% | 5,005 |
| Credit loss provision to net charge-offs | -187.5000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6388% | 562 |
| Assets per employee ($millions) | 3.5315% | 4,451 |
| Cash dividends to net income (ytd only)* | 64.3902% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2016% | 328 |
| Loan loss allowance to noncurrent loans | 14.1705% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 13.2168% | 7 |
| Noncurrent loans to loans | 15.5363% | 9 |
| Net loans and leases to total assets | 82.8632% | 443 |
| Net loans and leases to deposits | 96.0135% | 938 |
| Net loans and leases to core deposits | 99.1529% | 1,634 |
| Total domestic deposits to total assets | 86.3036% | 1,931 |
| Equity capital to assets | 11.5461% | 2,486 |
| Core capital (leverage) ratio | 11.7465% | 1,926 |
| Tier 1 risk-based capital ratio | 12.8858% | 3,851 |
| Total risk-based capital ratio | 14.1463% | 3,720 |
| Memoranda: | ||
| Average total assets | $55,779,800 | 4,654 |
| Average earning assets | $46,949,400 | 4,730 |
| Average equity | $6,441,600 | 4,703 |
| Average total loans | $46,265,200 | 4,256 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9977% | 1,551 |
| Cost of funding earning assets | 0.5321% | 4,009 |
| Net interest margin | 4.4655% | 831 |
| Noninterest income to average assets | 0.3213% | 3,824 |
| Noninterest expense to average assets | 3.5108% | 932 |
| Loan and lease loss provision to assets | 0.2158% | 800 |
| Net operating income to assets | 0.3357% | 4,799 |
| Return on assets (ROA) | 0.3357% | 4,824 |
| Pretax return on assets | 0.3381% | 4,867 |
| Return on Equity (ROE) | 2.9070% | 4,777 |
| Retained earnings to average equity (ytd only) | 0.1662% | 4,734 |
| Net charge-offs to loans | 0.0552% | 2,044 |
| Credit loss provision to net charge-offs | 473.6842% | 658 |
| Earnings coverage of net charge-offs (x) | 12.1591% | 2,380 |
| Efficiency ratio | 86.3717% | 481 |
| Assets per employee ($millions) | 3.4459% | 4,553 |
| Cash dividends to net income (ytd only)* | 94.2891% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0809% | 400 |
| Loan loss allowance to noncurrent loans | 12.7025% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 13.4905% | 10 |
| Noncurrent loans to loans | 16.3818% | 11 |
| Net loans and leases to total assets | 80.3120% | 807 |
| Net loans and leases to deposits | 93.3350% | 1,288 |
| Net loans and leases to core deposits | 96.4622% | 1,963 |
| Total domestic deposits to total assets | 86.0470% | 1,976 |
| Equity capital to assets | 11.7113% | 2,495 |
| Core capital (leverage) ratio | 11.7160% | 2,069 |
| Tier 1 risk-based capital ratio | 13.5753% | 3,527 |
| Total risk-based capital ratio | 14.8348% | 3,443 |
| Memoranda: | ||
| Average total assets | $55,598,750 | 4,722 |
| Average earning assets | $46,607,500 | 4,807 |
| Average equity | $6,421,000 | 4,768 |
| Average total loans | $45,862,750 | 4,317 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 1,535 |
| Cost of funding earning assets | 0.5078% | 4,085 |
| Net interest margin | 4.4716% | 821 |
| Noninterest income to average assets | 0.3085% | 3,866 |
| Noninterest expense to average assets | 3.6195% | 833 |
| Loan and lease loss provision to assets | 0.2152% | 780 |
| Net operating income to assets | 0.2296% | 4,963 |
| Return on assets (ROA) | 0.2296% | 4,974 |
| Pretax return on assets | 0.2332% | 4,998 |
| Return on Equity (ROE) | 1.9972% | 4,938 |
| Retained earnings to average equity (ytd only) | -2.1220% | 4,919 |
| Net charge-offs to loans | 0.0825% | 1,535 |
| Credit loss provision to net charge-offs | 315.7895% | 866 |
| Earnings coverage of net charge-offs (x) | 6.5789% | 2,552 |
| Efficiency ratio | 88.9771% | 389 |
| Assets per employee ($millions) | 3.6119% | 4,366 |
| Cash dividends to net income (ytd only)* | 206.2500% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 477 |
| Loan loss allowance to noncurrent loans | 13.9510% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 12.1080% | 10 |
| Noncurrent loans to loans | 14.3353% | 9 |
| Net loans and leases to total assets | 82.3954% | 549 |
| Net loans and leases to deposits | 95.8332% | 1,057 |
| Net loans and leases to core deposits | 98.0087% | 1,887 |
| Total domestic deposits to total assets | 85.9780% | 2,043 |
| Equity capital to assets | 11.7795% | 2,359 |
| Core capital (leverage) ratio | 11.7013% | 2,020 |
| Tier 1 risk-based capital ratio | 13.4225% | 3,621 |
| Total risk-based capital ratio | 14.6806% | 3,517 |
| Memoranda: | ||
| Average total assets | $55,753,330 | 4,758 |
| Average earning assets | $46,873,330 | 4,839 |
| Average equity | $6,409,000 | 4,792 |
| Average total loans | $46,076,670 | 4,339 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 1,091 |
| Cost of funding earning assets | 0.4830% | 4,141 |
| Net interest margin | 4.6185% | 588 |
| Noninterest income to average assets | 0.3113% | 3,783 |
| Noninterest expense to average assets | 3.3746% | 1,153 |
| Loan and lease loss provision to assets | 0.2122% | 736 |
| Net operating income to assets | 0.5730% | 4,324 |
| Return on assets (ROA) | 0.5730% | 4,355 |
| Pretax return on assets | 0.5801% | 4,553 |
| Return on Equity (ROE) | 5.0448% | 4,313 |
| Retained earnings to average equity (ytd only) | -3.1763% | 4,822 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9847% | 968 |
| Assets per employee ($millions) | 3.7057% | 4,336 |
| Cash dividends to net income (ytd only)* | 162.9630% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9534% | 548 |
| Loan loss allowance to noncurrent loans | 19.3009% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 8.4465% | 23 |
| Noncurrent loans to loans | 10.1207% | 26 |
| Net loans and leases to total assets | 81.2701% | 672 |
| Net loans and leases to deposits | 92.2954% | 1,374 |
| Net loans and leases to core deposits | 94.2775% | 2,096 |
| Total domestic deposits to total assets | 88.0543% | 1,310 |
| Equity capital to assets | 11.5085% | 2,388 |
| Core capital (leverage) ratio | 10.9875% | 2,587 |
| Tier 1 risk-based capital ratio | 13.6316% | 3,534 |
| Total risk-based capital ratio | 14.8908% | 3,440 |
| Memoranda: | ||
| Average total assets | $56,540,500 | 4,795 |
| Average earning assets | $47,201,500 | 4,876 |
| Average equity | $6,422,500 | 4,826 |
| Average total loans | $46,339,000 | 4,377 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 1,685 |
| Cost of funding earning assets | 0.4461% | 3,707 |
| Net interest margin | 4.3019% | 1,151 |
| Noninterest income to average assets | 0.3487% | 3,777 |
| Noninterest expense to average assets | 3.3750% | 1,191 |
| Loan and lease loss provision to assets | 0.2313% | 771 |
| Net operating income to assets | 0.3950% | 4,873 |
| Return on assets (ROA) | 0.3950% | 4,868 |
| Pretax return on assets | 0.3967% | 4,936 |
| Return on Equity (ROE) | 3.5114% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.5114% | 3,653 |
| Net charge-offs to loans | 0.0043% | 3,572 |
| Credit loss provision to net charge-offs | 6,500.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 176.5000% | 495 |
| Efficiency ratio | 84.3111% | 634 |
| Assets per employee ($millions) | 3.8331% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 609 |
| Loan loss allowance to noncurrent loans | 16.2465% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 9.3693% | 17 |
| Noncurrent loans to loans | 11.4904% | 20 |
| Net loans and leases to total assets | 79.5429% | 1,013 |
| Net loans and leases to deposits | 89.9603% | 1,806 |
| Net loans and leases to core deposits | 91.8114% | 2,421 |
| Total domestic deposits to total assets | 88.4201% | 1,109 |
| Equity capital to assets | 11.2147% | 2,501 |
| Core capital (leverage) ratio | 11.7106% | 1,943 |
| Tier 1 risk-based capital ratio | 13.4119% | 3,599 |
| Total risk-based capital ratio | 14.6681% | 3,495 |
| Memoranda: | ||
| Average total assets | $56,207,400 | 4,828 |
| Average earning assets | $47,745,800 | 4,901 |
| Average equity | $6,322,200 | 4,847 |
| Average total loans | $46,708,400 | 4,380 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 1,641 |
| Cost of funding earning assets | 0.4348% | 3,630 |
| Net interest margin | 4.2780% | 1,165 |
| Noninterest income to average assets | 0.3483% | 3,807 |
| Noninterest expense to average assets | 3.4308% | 1,074 |
| Loan and lease loss provision to assets | 0.2386% | 671 |
| Net operating income to assets | 0.3388% | 5,047 |
| Return on assets (ROA) | 0.3388% | 5,043 |
| Pretax return on assets | 0.3412% | 5,098 |
| Return on Equity (ROE) | 3.0097% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.0097% | 4,235 |
| Net charge-offs to loans | 0.0057% | 3,233 |
| Credit loss provision to net charge-offs | 5,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 121.3446% | 650 |
| Efficiency ratio | 85.5443% | 540 |
| Assets per employee ($millions) | 3.6553% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 735 |
| Loan loss allowance to noncurrent loans | 14.5329% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 10.6002% | 17 |
| Noncurrent loans to loans | 12.3333% | 17 |
| Net loans and leases to total assets | 83.9428% | 460 |
| Net loans and leases to deposits | 95.4341% | 1,219 |
| Net loans and leases to core deposits | 97.4982% | 1,978 |
| Total domestic deposits to total assets | 87.9589% | 1,253 |
| Equity capital to assets | 11.6125% | 2,168 |
| Core capital (leverage) ratio | 11.3973% | 2,248 |
| Tier 1 risk-based capital ratio | 13.1350% | 3,827 |
| Total risk-based capital ratio | 14.3912% | 3,730 |
| Memoranda: | ||
| Average total assets | $55,885,250 | 4,888 |
| Average earning assets | $47,840,500 | 4,955 |
| Average equity | $6,290,750 | 4,906 |
| Average total loans | $46,734,500 | 4,423 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7178% | 1,461 |
| Cost of funding earning assets | 0.4266% | 3,525 |
| Net interest margin | 4.2912% | 1,053 |
| Noninterest income to average assets | 0.3307% | 3,974 |
| Noninterest expense to average assets | 3.4426% | 1,080 |
| Loan and lease loss provision to assets | 0.2489% | 616 |
| Net operating income to assets | 0.2845% | 5,139 |
| Return on assets (ROA) | 0.2845% | 5,133 |
| Pretax return on assets | 0.2881% | 5,177 |
| Return on Equity (ROE) | 2.5537% | 5,090 |
| Retained earnings to average equity (ytd only) | 2.5537% | 4,240 |
| Net charge-offs to loans | -0.0043% | 4,065 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5058% | 544 |
| Assets per employee ($millions) | 3.7239% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 795 |
| Loan loss allowance to noncurrent loans | 14.1048% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 10.3188% | 19 |
| Noncurrent loans to loans | 12.5454% | 14 |
| Net loans and leases to total assets | 80.7963% | 884 |
| Net loans and leases to deposits | 91.4584% | 1,651 |
| Net loans and leases to core deposits | 93.3811% | 2,277 |
| Total domestic deposits to total assets | 88.3421% | 1,201 |
| Equity capital to assets | 11.2873% | 2,369 |
| Core capital (leverage) ratio | 11.4245% | 2,136 |
| Tier 1 risk-based capital ratio | 13.0386% | 3,870 |
| Total risk-based capital ratio | 14.2937% | 3,787 |
| Memoranda: | ||
| Average total assets | $56,237,330 | 4,937 |
| Average earning assets | $47,819,000 | 5,008 |
| Average equity | $6,265,330 | 4,962 |
| Average total loans | $46,691,000 | 4,466 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 1,135 |
| Cost of funding earning assets | 0.4138% | 3,491 |
| Net interest margin | 4.3610% | 833 |
| Noninterest income to average assets | 0.2906% | 4,224 |
| Noninterest expense to average assets | 3.4452% | 1,090 |
| Loan and lease loss provision to assets | 0.2836% | 474 |
| Net operating income to assets | 0.2906% | 5,110 |
| Return on assets (ROA) | 0.2906% | 5,113 |
| Pretax return on assets | 0.2977% | 5,171 |
| Return on Equity (ROE) | 2.6259% | 5,090 |
| Retained earnings to average equity (ytd only) | 2.6259% | 4,126 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5634% | 677 |
| Assets per employee ($millions) | 3.6878% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 970 |
| Loan loss allowance to noncurrent loans | 21.5249% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 6.5676% | 54 |
| Noncurrent loans to loans | 7.8414% | 51 |
| Net loans and leases to total assets | 82.3418% | 622 |
| Net loans and leases to deposits | 93.3324% | 1,298 |
| Net loans and leases to core deposits | 96.3185% | 1,955 |
| Total domestic deposits to total assets | 88.2242% | 1,492 |
| Equity capital to assets | 11.3274% | 2,279 |
| Core capital (leverage) ratio | 11.3358% | 2,135 |
| Tier 1 risk-based capital ratio | 13.0961% | 3,899 |
| Total risk-based capital ratio | 14.3499% | 3,808 |
| Memoranda: | ||
| Average total assets | $56,426,500 | 4,990 |
| Average earning assets | $48,338,000 | 5,053 |
| Average equity | $6,245,500 | 5,017 |
| Average total loans | $47,064,000 | 4,509 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9335% | 741 |
| Cost of funding earning assets | 0.4099% | 3,159 |
| Net interest margin | 4.5236% | 584 |
| Noninterest income to average assets | 0.3285% | 4,122 |
| Noninterest expense to average assets | 3.3531% | 1,286 |
| Loan and lease loss provision to assets | 0.5439% | 240 |
| Net operating income to assets | 0.2334% | 5,042 |
| Return on assets (ROA) | 0.2334% | 5,055 |
| Pretax return on assets | 0.2351% | 5,276 |
| Return on Equity (ROE) | 2.0977% | 5,040 |
| Retained earnings to average equity (ytd only) | 2.0977% | 4,062 |
| Net charge-offs to loans | 0.4461% | 540 |
| Credit loss provision to net charge-offs | 152.2613% | 1,754 |
| Earnings coverage of net charge-offs (x) | 2.1809% | 3,788 |
| Efficiency ratio | 81.1468% | 997 |
| Assets per employee ($millions) | 3.8357% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 1,266 |
| Loan loss allowance to noncurrent loans | 25.3415% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 5.0890% | 91 |
| Noncurrent loans to loans | 6.1259% | 87 |
| Net loans and leases to total assets | 81.7836% | 709 |
| Net loans and leases to deposits | 92.0878% | 1,510 |
| Net loans and leases to core deposits | 93.9465% | 2,200 |
| Total domestic deposits to total assets | 88.8105% | 1,081 |
| Equity capital to assets | 10.8193% | 2,819 |
| Core capital (leverage) ratio | 10.9711% | 2,364 |
| Tier 1 risk-based capital ratio | 12.1999% | 4,395 |
| Total risk-based capital ratio | 13.4521% | 4,290 |
| Memoranda: | ||
| Average total assets | $55,709,200 | 5,050 |
| Average earning assets | $46,843,400 | 5,129 |
| Average equity | $6,197,400 | 5,067 |
| Average total loans | $44,613,800 | 4,601 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 530 |
| Cost of funding earning assets | 0.4094% | 3,095 |
| Net interest margin | 4.6646% | 438 |
| Noninterest income to average assets | 0.3258% | 4,206 |
| Noninterest expense to average assets | 3.3952% | 1,165 |
| Loan and lease loss provision to assets | 0.2172% | 855 |
| Net operating income to assets | 0.6153% | 4,331 |
| Return on assets (ROA) | 0.6153% | 4,379 |
| Pretax return on assets | 0.6177% | 4,809 |
| Return on Equity (ROE) | 5.4921% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.4921% | 2,544 |
| Net charge-offs to loans | 0.0213% | 3,049 |
| Credit loss provision to net charge-offs | 1,285.7143% | 285 |
| Earnings coverage of net charge-offs (x) | 49.4448% | 1,123 |
| Efficiency ratio | 80.2624% | 1,072 |
| Assets per employee ($millions) | 3.7475% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 1,187 |
| Loan loss allowance to noncurrent loans | 20.1791% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 6.3562% | 63 |
| Noncurrent loans to loans | 8.0404% | 48 |
| Net loans and leases to total assets | 77.7703% | 1,304 |
| Net loans and leases to deposits | 88.1071% | 2,044 |
| Net loans and leases to core deposits | 89.9379% | 2,619 |
| Total domestic deposits to total assets | 88.2678% | 1,225 |
| Equity capital to assets | 11.2981% | 2,575 |
| Core capital (leverage) ratio | 11.2181% | 2,253 |
| Tier 1 risk-based capital ratio | 13.3121% | 3,815 |
| Total risk-based capital ratio | 14.5653% | 3,724 |
| Memoranda: | ||
| Average total assets | $55,252,500 | 5,114 |
| Average earning assets | $46,247,750 | 5,199 |
| Average equity | $6,190,500 | 5,126 |
| Average total loans | $43,818,000 | 4,662 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2550% | 358 |
| Cost of funding earning assets | 0.4144% | 2,941 |
| Net interest margin | 4.8406% | 294 |
| Noninterest income to average assets | 0.3350% | 4,149 |
| Noninterest expense to average assets | 3.4297% | 1,110 |
| Loan and lease loss provision to assets | 0.2185% | 810 |
| Net operating income to assets | 0.6808% | 3,932 |
| Return on assets (ROA) | 0.6808% | 3,999 |
| Pretax return on assets | 0.6845% | 4,594 |
| Return on Equity (ROE) | 6.0942% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.0942% | 2,061 |
| Net charge-offs to loans | 0.1101% | 1,530 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 2,348 |
| Efficiency ratio | 79.1597% | 1,315 |
| Assets per employee ($millions) | 3.5181% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,595 |
| Loan loss allowance to noncurrent loans | 20.9969% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 5.7027% | 83 |
| Noncurrent loans to loans | 7.1147% | 65 |
| Net loans and leases to total assets | 78.9568% | 1,099 |
| Net loans and leases to deposits | 89.2772% | 1,831 |
| Net loans and leases to core deposits | 91.1223% | 2,413 |
| Total domestic deposits to total assets | 88.4400% | 1,237 |
| Equity capital to assets | 11.1620% | 2,643 |
| Core capital (leverage) ratio | 11.3117% | 2,118 |
| Tier 1 risk-based capital ratio | 13.9165% | 3,467 |
| Total risk-based capital ratio | 15.1700% | 3,386 |
| Memoranda: | ||
| Average total assets | $54,932,330 | 5,156 |
| Average earning assets | $45,366,000 | 5,251 |
| Average equity | $6,137,000 | 5,168 |
| Average total loans | $43,611,330 | 4,698 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 3,820 |
| Cost of funding earning assets | 0.4113% | 2,888 |
| Net interest margin | 3.3712% | 3,758 |
| Noninterest income to average assets | 0.2654% | 4,644 |
| Noninterest expense to average assets | 3.2956% | 1,399 |
| Loan and lease loss provision to assets | 0.2212% | 718 |
| Net operating income to assets | -0.4792% | 5,736 |
| Return on assets (ROA) | -0.4792% | 5,733 |
| Pretax return on assets | -0.4719% | 5,726 |
| Return on Equity (ROE) | -4.2876% | 5,726 |
| Retained earnings to average equity (ytd only) | -4.2876% | 5,343 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2324% | 142 |
| Assets per employee ($millions) | 3.6454% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,510 |
| Loan loss allowance to noncurrent loans | 16.3645% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 7.4651% | 56 |
| Noncurrent loans to loans | 9.4701% | 37 |
| Net loans and leases to total assets | 77.6065% | 1,183 |
| Net loans and leases to deposits | 87.6541% | 1,843 |
| Net loans and leases to core deposits | 89.5161% | 2,395 |
| Total domestic deposits to total assets | 88.5372% | 1,403 |
| Equity capital to assets | 11.0294% | 2,601 |
| Core capital (leverage) ratio | 11.1820% | 2,205 |
| Tier 1 risk-based capital ratio | 13.5807% | 3,732 |
| Total risk-based capital ratio | 14.8347% | 3,642 |
| Memoranda: | ||
| Average total assets | $54,254,000 | 5,220 |
| Average earning assets | $44,732,500 | 5,328 |
| Average equity | $6,064,000 | 5,228 |
| Average total loans | $42,858,000 | 4,757 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 606 |
| Cost of funding earning assets | 0.3914% | 3,088 |
| Net interest margin | 4.5925% | 517 |
| Noninterest income to average assets | 0.3409% | 4,301 |
| Noninterest expense to average assets | 3.3851% | 1,392 |
| Loan and lease loss provision to assets | 0.2176% | 1,019 |
| Net operating income to assets | 0.4805% | 4,709 |
| Return on assets (ROA) | 0.4805% | 4,785 |
| Pretax return on assets | 0.4823% | 5,061 |
| Return on Equity (ROE) | 4.4457% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.4457% | 2,748 |
| Net charge-offs to loans | 1.2062% | 140 |
| Credit loss provision to net charge-offs | 23.0326% | 3,652 |
| Earnings coverage of net charge-offs (x) | 0.7409% | 4,078 |
| Efficiency ratio | 82.8673% | 1,106 |
| Assets per employee ($millions) | 3.3642% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,681 |
| Loan loss allowance to noncurrent loans | 22.4490% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 5.3672% | 106 |
| Noncurrent loans to loans | 6.6695% | 82 |
| Net loans and leases to total assets | 77.9795% | 1,200 |
| Net loans and leases to deposits | 88.3961% | 1,875 |
| Net loans and leases to core deposits | 90.8076% | 2,426 |
| Total domestic deposits to total assets | 88.2160% | 1,525 |
| Equity capital to assets | 11.3270% | 2,309 |
| Core capital (leverage) ratio | 11.2238% | 2,143 |
| Tier 1 risk-based capital ratio | 13.5986% | 3,704 |
| Total risk-based capital ratio | 14.8501% | 3,611 |
| Memoranda: | ||
| Average total assets | $55,153,600 | 5,241 |
| Average earning assets | $44,964,600 | 5,356 |
| Average equity | $5,960,800 | 5,285 |
| Average total loans | $43,192,600 | 4,779 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 680 |
| Cost of funding earning assets | 0.3872% | 3,154 |
| Net interest margin | 4.5460% | 562 |
| Noninterest income to average assets | 0.3124% | 4,536 |
| Noninterest expense to average assets | 3.3065% | 1,549 |
| Loan and lease loss provision to assets | 0.2163% | 965 |
| Net operating income to assets | 0.4830% | 4,753 |
| Return on assets (ROA) | 0.4830% | 4,845 |
| Pretax return on assets | 0.4854% | 5,158 |
| Return on Equity (ROE) | 4.5217% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.5217% | 3,119 |
| Net charge-offs to loans | 0.2061% | 1,137 |
| Credit loss provision to net charge-offs | 134.3284% | 1,934 |
| Earnings coverage of net charge-offs (x) | 4.3582% | 3,280 |
| Efficiency ratio | 82.4940% | 1,131 |
| Assets per employee ($millions) | 3.2969% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3982% | 379 |
| Loan loss allowance to noncurrent loans | 29.9746% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 6.7166% | 80 |
| Noncurrent loans to loans | 8.0008% | 59 |
| Net loans and leases to total assets | 81.9355% | 630 |
| Net loans and leases to deposits | 93.0745% | 1,362 |
| Net loans and leases to core deposits | 95.6682% | 2,033 |
| Total domestic deposits to total assets | 88.0322% | 1,390 |
| Equity capital to assets | 11.4389% | 2,563 |
| Core capital (leverage) ratio | 10.9601% | 2,491 |
| Tier 1 risk-based capital ratio | 13.5952% | 3,807 |
| Total risk-based capital ratio | 14.8594% | 3,704 |
| Memoranda: | ||
| Average total assets | $55,485,250 | 5,283 |
| Average earning assets | $45,107,750 | 5,412 |
| Average equity | $5,926,750 | 5,345 |
| Average total loans | $43,337,750 | 4,810 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 823 |
| Cost of funding earning assets | 0.4184% | 2,850 |
| Net interest margin | 4.4159% | 739 |
| Noninterest income to average assets | 0.3014% | 4,634 |
| Noninterest expense to average assets | 3.1704% | 1,888 |
| Loan and lease loss provision to assets | 0.2128% | 1,002 |
| Net operating income to assets | 0.4326% | 4,931 |
| Return on assets (ROA) | 0.4326% | 5,017 |
| Pretax return on assets | 0.4362% | 5,272 |
| Return on Equity (ROE) | 4.1419% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.1419% | 3,267 |
| Net charge-offs to loans | 0.3161% | 751 |
| Credit loss provision to net charge-offs | 88.2353% | 2,266 |
| Earnings coverage of net charge-offs (x) | 2.6912% | 3,231 |
| Efficiency ratio | 83.0084% | 1,143 |
| Assets per employee ($millions) | 3.8397% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3447% | 436 |
| Loan loss allowance to noncurrent loans | 28.3242% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 6.7713% | 86 |
| Noncurrent loans to loans | 8.2782% | 60 |
| Net loans and leases to total assets | 79.8795% | 934 |
| Net loans and leases to deposits | 90.4152% | 1,703 |
| Net loans and leases to core deposits | 92.9618% | 2,261 |
| Total domestic deposits to total assets | 88.3473% | 1,250 |
| Equity capital to assets | 11.0816% | 2,969 |
| Core capital (leverage) ratio | 10.9719% | 2,461 |
| Tier 1 risk-based capital ratio | 13.4066% | 3,961 |
| Total risk-based capital ratio | 14.6698% | 3,864 |
| Memoranda: | ||
| Average total assets | $56,397,000 | 5,329 |
| Average earning assets | $44,928,670 | 5,481 |
| Average equity | $5,891,000 | 5,405 |
| Average total loans | $43,022,670 | 4,863 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 1,142 |
| Cost of funding earning assets | 0.4229% | 2,831 |
| Net interest margin | 4.2294% | 1,040 |
| Noninterest income to average assets | 0.3049% | 4,545 |
| Noninterest expense to average assets | 2.9939% | 2,412 |
| Loan and lease loss provision to assets | 0.2079% | 938 |
| Net operating income to assets | 0.3534% | 5,132 |
| Return on assets (ROA) | 0.3534% | 5,219 |
| Pretax return on assets | 0.3604% | 5,379 |
| Return on Equity (ROE) | 3.4824% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.4824% | 3,758 |
| Net charge-offs to loans | 0.6393% | 342 |
| Credit loss provision to net charge-offs | 44.1176% | 2,106 |
| Earnings coverage of net charge-offs (x) | 1.2059% | 2,849 |
| Efficiency ratio | 84.0467% | 1,152 |
| Assets per employee ($millions) | 4.5968% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3314% | 489 |
| Loan loss allowance to noncurrent loans | 26.6649% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 6.8054% | 92 |
| Noncurrent loans to loans | 8.7432% | 59 |
| Net loans and leases to total assets | 76.0215% | 1,392 |
| Net loans and leases to deposits | 88.4611% | 1,775 |
| Net loans and leases to core deposits | 88.4611% | 2,519 |
| Total domestic deposits to total assets | 85.9378% | 2,694 |
| Equity capital to assets | 10.6686% | 3,295 |
| Core capital (leverage) ratio | 10.8068% | 2,612 |
| Tier 1 risk-based capital ratio | 12.6573% | 4,480 |
| Total risk-based capital ratio | 13.9203% | 4,383 |
| Memoranda: | ||
| Average total assets | $57,717,500 | 5,342 |
| Average earning assets | $44,450,500 | 5,545 |
| Average equity | $5,858,000 | 5,443 |
| Average total loans | $42,548,500 | 4,915 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 385 |
| Cost of funding earning assets | 0.4140% | 3,007 |
| Net interest margin | 4.8548% | 325 |
| Noninterest income to average assets | 0.3766% | 4,210 |
| Noninterest expense to average assets | 3.2049% | 1,960 |
| Loan and lease loss provision to assets | 0.3553% | 408 |
| Net operating income to assets | 0.7106% | 3,763 |
| Return on assets (ROA) | 0.7106% | 3,869 |
| Pretax return on assets | 0.7124% | 4,496 |
| Return on Equity (ROE) | 7.0629% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.0629% | 1,255 |
| Net charge-offs to loans | -0.0092% | 5,095 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0104% | 2,423 |
| Assets per employee ($millions) | 4.6364% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4644% | 418 |
| Loan loss allowance to noncurrent loans | 39.4008% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 4.3751% | 226 |
| Noncurrent loans to loans | 6.2546% | 129 |
| Net loans and leases to total assets | 68.2262% | 2,676 |
| Net loans and leases to deposits | 78.2367% | 3,031 |
| Net loans and leases to core deposits | 78.6632% | 3,478 |
| Total domestic deposits to total assets | 87.2049% | 2,033 |
| Equity capital to assets | 9.6743% | 4,335 |
| Core capital (leverage) ratio | 10.2384% | 3,209 |
| Tier 1 risk-based capital ratio | 13.1588% | 4,199 |
| Total risk-based capital ratio | 14.4224% | 4,116 |
| Memoranda: | ||
| Average total assets | $56,288,400 | 5,401 |
| Average earning assets | $45,172,200 | 5,553 |
| Average equity | $5,663,400 | 5,512 |
| Average total loans | $43,308,800 | 4,879 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2538% | 404 |
| Cost of funding earning assets | 0.4048% | 3,177 |
| Net interest margin | 4.8490% | 338 |
| Noninterest income to average assets | 0.4051% | 4,052 |
| Noninterest expense to average assets | 3.1878% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2009% | 1,649 |
| Return on assets (ROA) | 1.2009% | 1,715 |
| Pretax return on assets | 1.2033% | 2,807 |
| Return on Equity (ROE) | 11.8114% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.8114% | 391 |
| Net charge-offs to loans | 0.0520% | 2,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 29.3480% | 1,520 |
| Efficiency ratio | 72.5975% | 2,777 |
| Assets per employee ($millions) | 4.2037% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 1,161 |
| Loan loss allowance to noncurrent loans | 30.6712% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 4.8803% | 206 |
| Noncurrent loans to loans | 6.0515% | 136 |
| Net loans and leases to total assets | 79.1502% | 934 |
| Net loans and leases to deposits | 93.9753% | 1,207 |
| Net loans and leases to core deposits | 94.5608% | 2,030 |
| Total domestic deposits to total assets | 84.2245% | 3,329 |
| Equity capital to assets | 10.8568% | 3,184 |
| Core capital (leverage) ratio | 10.8652% | 2,628 |
| Tier 1 risk-based capital ratio | 13.1620% | 4,342 |
| Total risk-based capital ratio | 14.4183% | 4,261 |
| Memoranda: | ||
| Average total assets | $55,292,250 | 5,498 |
| Average earning assets | $45,451,750 | 5,614 |
| Average equity | $5,621,500 | 5,586 |
| Average total loans | $43,595,750 | 4,927 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 1,227 |
| Cost of funding earning assets | 0.4070% | 3,198 |
| Net interest margin | 4.2155% | 1,078 |
| Noninterest income to average assets | 0.4324% | 3,834 |
| Noninterest expense to average assets | 3.3185% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5441% | 4,580 |
| Return on assets (ROA) | 0.5441% | 4,691 |
| Pretax return on assets | 0.5477% | 5,102 |
| Return on Equity (ROE) | 5.4733% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.4733% | 2,548 |
| Net charge-offs to loans | 0.0783% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.9412% | 2,509 |
| Efficiency ratio | 85.8341% | 1,071 |
| Assets per employee ($millions) | 4.1582% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 1,402 |
| Loan loss allowance to noncurrent loans | 24.7879% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 6.1788% | 150 |
| Noncurrent loans to loans | 7.1958% | 112 |
| Net loans and leases to total assets | 83.3247% | 433 |
| Net loans and leases to deposits | 98.4331% | 758 |
| Net loans and leases to core deposits | 99.0478% | 1,566 |
| Total domestic deposits to total assets | 84.6511% | 3,271 |
| Equity capital to assets | 10.3300% | 3,650 |
| Core capital (leverage) ratio | 10.3439% | 3,154 |
| Tier 1 risk-based capital ratio | 11.7988% | 5,278 |
| Total risk-based capital ratio | 13.0543% | 5,181 |
| Memoranda: | ||
| Average total assets | $55,507,000 | 5,550 |
| Average earning assets | $45,214,000 | 5,679 |
| Average equity | $5,517,670 | 5,660 |
| Average total loans | $43,437,000 | 4,973 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 379 |
| Cost of funding earning assets | 0.4015% | 3,290 |
| Net interest margin | 4.8540% | 316 |
| Noninterest income to average assets | 0.4055% | 3,960 |
| Noninterest expense to average assets | 3.4073% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7754% | 3,389 |
| Return on assets (ROA) | 0.7754% | 3,528 |
| Pretax return on assets | 0.7825% | 4,305 |
| Return on Equity (ROE) | 7.9497% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.9497% | 1,588 |
| Net charge-offs to loans | 0.1610% | 1,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.4706% | 2,288 |
| Efficiency ratio | 81.3243% | 1,713 |
| Assets per employee ($millions) | 3.7876% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 1,184 |
| Loan loss allowance to noncurrent loans | 50.1225% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 3.1532% | 572 |
| Noncurrent loans to loans | 3.8910% | 455 |
| Net loans and leases to total assets | 77.5563% | 984 |
| Net loans and leases to deposits | 90.0876% | 1,383 |
| Net loans and leases to core deposits | 90.6516% | 2,070 |
| Total domestic deposits to total assets | 86.0898% | 2,895 |
| Equity capital to assets | 10.4552% | 3,578 |
| Core capital (leverage) ratio | 10.1573% | 3,391 |
| Tier 1 risk-based capital ratio | 12.4688% | 4,925 |
| Total risk-based capital ratio | 13.7247% | 4,836 |
| Memoranda: | ||
| Average total assets | $56,232,500 | 5,583 |
| Average earning assets | $43,840,500 | 5,759 |
| Average equity | $5,484,500 | 5,719 |
| Average total loans | $42,225,500 | 5,061 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7135% | 222 |
| Cost of funding earning assets | 0.4489% | 3,180 |
| Net interest margin | 5.2645% | 191 |
| Noninterest income to average assets | 0.4105% | 4,107 |
| Noninterest expense to average assets | 3.6557% | 1,215 |
| Loan and lease loss provision to assets | 0.1486% | 1,765 |
| Net operating income to assets | 0.9827% | 2,468 |
| Return on assets (ROA) | 0.9827% | 2,544 |
| Pretax return on assets | 0.9845% | 3,563 |
| Return on Equity (ROE) | 10.1539% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.1539% | 489 |
| Net charge-offs to loans | -0.0586% | 5,973 |
| Credit loss provision to net charge-offs | -320.0000% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3382% | 2,460 |
| Assets per employee ($millions) | 3.7149% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 1,178 |
| Loan loss allowance to noncurrent loans | 46.0563% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 3.0502% | 651 |
| Noncurrent loans to loans | 4.2651% | 404 |
| Net loans and leases to total assets | 70.1105% | 2,226 |
| Net loans and leases to deposits | 79.9022% | 2,729 |
| Net loans and leases to core deposits | 80.3397% | 3,255 |
| Total domestic deposits to total assets | 87.7454% | 1,900 |
| Equity capital to assets | 9.1270% | 5,155 |
| Core capital (leverage) ratio | 9.9302% | 3,677 |
| Tier 1 risk-based capital ratio | 11.8744% | 5,444 |
| Total risk-based capital ratio | 13.1316% | 5,347 |
| Memoranda: | ||
| Average total assets | $53,833,200 | 5,698 |
| Average earning assets | $44,771,400 | 5,807 |
| Average equity | $5,209,800 | 5,809 |
| Average total loans | $42,662,400 | 5,082 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7493% | 211 |
| Cost of funding earning assets | 0.4557% | 3,179 |
| Net interest margin | 5.2936% | 177 |
| Noninterest income to average assets | 0.4145% | 4,141 |
| Noninterest expense to average assets | 3.7788% | 1,000 |
| Loan and lease loss provision to assets | 0.1526% | 1,627 |
| Net operating income to assets | 1.0299% | 2,322 |
| Return on assets (ROA) | 1.0299% | 2,382 |
| Pretax return on assets | 1.0324% | 3,460 |
| Return on Equity (ROE) | 10.4730% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.4730% | 606 |
| Net charge-offs to loans | -0.0562% | 5,955 |
| Credit loss provision to net charge-offs | -333.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1270% | 2,472 |
| Assets per employee ($millions) | 3.2738% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 1,517 |
| Loan loss allowance to noncurrent loans | 43.8178% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 3.5204% | 609 |
| Noncurrent loans to loans | 4.2780% | 469 |
| Net loans and leases to total assets | 80.7484% | 635 |
| Net loans and leases to deposits | 93.5794% | 1,076 |
| Net loans and leases to core deposits | 94.1690% | 1,848 |
| Total domestic deposits to total assets | 86.2887% | 2,707 |
| Equity capital to assets | 10.1718% | 3,965 |
| Core capital (leverage) ratio | 10.0729% | 3,569 |
| Tier 1 risk-based capital ratio | 11.9206% | 5,539 |
| Total risk-based capital ratio | 13.1728% | 5,460 |
| Memoranda: | ||
| Average total assets | $52,431,750 | 5,795 |
| Average earning assets | $45,059,250 | 5,864 |
| Average equity | $5,156,000 | 5,885 |
| Average total loans | $42,701,000 | 5,133 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9159% | 166 |
| Cost of funding earning assets | 0.4711% | 3,100 |
| Net interest margin | 5.4448% | 141 |
| Noninterest income to average assets | 0.4080% | 4,186 |
| Noninterest expense to average assets | 3.6264% | 1,250 |
| Loan and lease loss provision to assets | 0.2288% | 1,004 |
| Net operating income to assets | 1.2202% | 1,532 |
| Return on assets (ROA) | 1.2202% | 1,588 |
| Pretax return on assets | 1.2240% | 2,555 |
| Return on Equity (ROE) | 12.5523% | 1,298 |
| Retained earnings to average equity (ytd only) | 12.5523% | 373 |
| Net charge-offs to loans | -0.0846% | 6,092 |
| Credit loss provision to net charge-offs | -333.3333% | 5,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3964% | 3,448 |
| Assets per employee ($millions) | 3.2956% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 1,801 |
| Loan loss allowance to noncurrent loans | 53.2982% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 2.8751% | 903 |
| Noncurrent loans to loans | 3.4103% | 795 |
| Net loans and leases to total assets | 82.7742% | 394 |
| Net loans and leases to deposits | 95.6939% | 822 |
| Net loans and leases to core deposits | 96.2914% | 1,580 |
| Total domestic deposits to total assets | 86.4989% | 2,759 |
| Equity capital to assets | 9.9433% | 4,185 |
| Core capital (leverage) ratio | 10.0643% | 3,518 |
| Tier 1 risk-based capital ratio | 11.5137% | 5,791 |
| Total risk-based capital ratio | 12.7691% | 5,745 |
| Memoranda: | ||
| Average total assets | $52,449,000 | 5,848 |
| Average earning assets | $44,997,330 | 5,916 |
| Average equity | $5,098,670 | 5,937 |
| Average total loans | $42,566,670 | 5,178 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4802% | 93 |
| Cost of funding earning assets | 0.5249% | 2,659 |
| Net interest margin | 5.9553% | 86 |
| Noninterest income to average assets | 0.4206% | 4,028 |
| Noninterest expense to average assets | 3.7164% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7282% | 543 |
| Return on assets (ROA) | 1.7282% | 563 |
| Pretax return on assets | 1.7358% | 905 |
| Return on Equity (ROE) | 17.9847% | 443 |
| Retained earnings to average equity (ytd only) | 17.9847% | 184 |
| Net charge-offs to loans | 0.1153% | 2,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.9167% | 1,400 |
| Efficiency ratio | 68.1627% | 4,155 |
| Assets per employee ($millions) | 3.3023% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 2,254 |
| Loan loss allowance to noncurrent loans | 71.2302% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.9097% | 1,800 |
| Noncurrent loans to loans | 2.4269% | 1,445 |
| Net loans and leases to total assets | 77.2504% | 853 |
| Net loans and leases to deposits | 87.6406% | 1,402 |
| Net loans and leases to core deposits | 88.1765% | 2,075 |
| Total domestic deposits to total assets | 88.1444% | 2,146 |
| Equity capital to assets | 9.7358% | 4,187 |
| Core capital (leverage) ratio | 9.7876% | 3,881 |
| Tier 1 risk-based capital ratio | 11.9424% | 5,678 |
| Total risk-based capital ratio | 13.1967% | 5,606 |
| Memoranda: | ||
| Average total assets | $52,309,000 | 5,908 |
| Average earning assets | $44,196,000 | 5,998 |
| Average equity | $5,026,500 | 5,986 |
| Average total loans | $41,623,000 | 5,254 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 323 |
| Cost of funding earning assets | 0.6365% | 2,331 |
| Net interest margin | 4.9407% | 332 |
| Noninterest income to average assets | 0.5434% | 3,449 |
| Noninterest expense to average assets | 3.5697% | 1,504 |
| Loan and lease loss provision to assets | 1.0660% | 163 |
| Net operating income to assets | -0.0811% | 6,283 |
| Return on assets (ROA) | -0.0811% | 6,306 |
| Pretax return on assets | -0.0792% | 6,274 |
| Return on Equity (ROE) | -0.8333% | 6,312 |
| Retained earnings to average equity (ytd only) | -0.8333% | 6,032 |
| Net charge-offs to loans | 3.4988% | 55 |
| Credit loss provision to net charge-offs | 40.3860% | 4,038 |
| Earnings coverage of net charge-offs (x) | 0.3738% | 4,956 |
| Efficiency ratio | 78.3437% | 2,413 |
| Assets per employee ($millions) | 3.2364% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 2,235 |
| Loan loss allowance to noncurrent loans | 73.7374% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.0490% | 1,754 |
| Noncurrent loans to loans | 2.3734% | 1,619 |
| Net loans and leases to total assets | 79.1433% | 692 |
| Net loans and leases to deposits | 91.7008% | 1,092 |
| Net loans and leases to core deposits | 92.2831% | 1,772 |
| Total domestic deposits to total assets | 86.3061% | 3,111 |
| Equity capital to assets | 9.4801% | 4,452 |
| Core capital (leverage) ratio | 9.3503% | 4,476 |
| Tier 1 risk-based capital ratio | 11.4428% | 5,935 |
| Total risk-based capital ratio | 12.6972% | 5,873 |
| Memoranda: | ||
| Average total assets | $53,002,200 | 5,938 |
| Average earning assets | $43,050,600 | 6,079 |
| Average equity | $5,160,000 | 6,029 |
| Average total loans | $39,984,800 | 5,347 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6456% | 299 |
| Cost of funding earning assets | 0.6644% | 2,222 |
| Net interest margin | 4.9812% | 329 |
| Noninterest income to average assets | 0.5378% | 3,533 |
| Noninterest expense to average assets | 3.3691% | 1,896 |
| Loan and lease loss provision to assets | 0.0500% | 4,012 |
| Net operating income to assets | 1.1105% | 1,970 |
| Return on assets (ROA) | 1.1105% | 2,037 |
| Pretax return on assets | 1.1130% | 3,059 |
| Return on Equity (ROE) | 11.3348% | 1,696 |
| Retained earnings to average equity (ytd only) | 11.3348% | 516 |
| Net charge-offs to loans | 2.7574% | 94 |
| Credit loss provision to net charge-offs | 2.4450% | 4,311 |
| Earnings coverage of net charge-offs (x) | 0.5685% | 4,670 |
| Efficiency ratio | 74.3377% | 3,004 |
| Assets per employee ($millions) | 3.3019% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9706% | 1,795 |
| Loan loss allowance to noncurrent loans | 40.4435% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 3.9447% | 798 |
| Noncurrent loans to loans | 4.8725% | 636 |
| Net loans and leases to total assets | 72.1262% | 1,580 |
| Net loans and leases to deposits | 84.2248% | 1,853 |
| Net loans and leases to core deposits | 85.2270% | 2,501 |
| Total domestic deposits to total assets | 85.6353% | 3,434 |
| Equity capital to assets | 10.2213% | 3,609 |
| Core capital (leverage) ratio | 10.3882% | 3,123 |
| Tier 1 risk-based capital ratio | 13.3925% | 4,843 |
| Total risk-based capital ratio | 14.6494% | 4,778 |
| Memoranda: | ||
| Average total assets | $53,307,250 | 5,999 |
| Average earning assets | $42,746,000 | 6,156 |
| Average equity | $5,222,750 | 6,081 |
| Average total loans | $39,553,000 | 5,414 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6937% | 281 |
| Cost of funding earning assets | 0.6786% | 2,234 |
| Net interest margin | 5.0151% | 305 |
| Noninterest income to average assets | 0.5461% | 3,527 |
| Noninterest expense to average assets | 3.3105% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2681% | 1,411 |
| Return on assets (ROA) | 1.2681% | 1,508 |
| Pretax return on assets | 1.2718% | 2,399 |
| Return on Equity (ROE) | 13.1302% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.1302% | 371 |
| Net charge-offs to loans | 4.0573% | 52 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.4213% | 4,399 |
| Efficiency ratio | 72.2449% | 3,429 |
| Assets per employee ($millions) | 3.2111% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9395% | 1,994 |
| Loan loss allowance to noncurrent loans | 34.3778% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 4.6615% | 686 |
| Noncurrent loans to loans | 5.6417% | 535 |
| Net loans and leases to total assets | 74.4949% | 1,172 |
| Net loans and leases to deposits | 87.2819% | 1,431 |
| Net loans and leases to core deposits | 87.8448% | 2,123 |
| Total domestic deposits to total assets | 85.3498% | 3,723 |
| Equity capital to assets | 10.3060% | 3,537 |
| Core capital (leverage) ratio | 10.2463% | 3,168 |
| Tier 1 risk-based capital ratio | 12.8386% | 5,267 |
| Total risk-based capital ratio | 14.0964% | 5,190 |
| Memoranda: | ||
| Average total assets | $53,466,000 | 6,035 |
| Average earning assets | $43,029,670 | 6,190 |
| Average equity | $5,163,670 | 6,140 |
| Average total loans | $39,780,330 | 5,429 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9445% | 187 |
| Cost of funding earning assets | 0.7026% | 2,183 |
| Net interest margin | 5.2419% | 185 |
| Noninterest income to average assets | 0.5797% | 3,252 |
| Noninterest expense to average assets | 2.9866% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7465% | 523 |
| Return on assets (ROA) | 1.7465% | 581 |
| Pretax return on assets | 1.7538% | 964 |
| Return on Equity (ROE) | 18.6740% | 386 |
| Retained earnings to average equity (ytd only) | 18.6740% | 181 |
| Net charge-offs to loans | 8.0588% | 18 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2954% | 3,713 |
| Efficiency ratio | 63.0031% | 5,154 |
| Assets per employee ($millions) | 3.3626% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 2,115 |
| Loan loss allowance to noncurrent loans | 36.6861% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 4.1950% | 915 |
| Noncurrent loans to loans | 5.3763% | 685 |
| Net loans and leases to total assets | 69.7446% | 1,706 |
| Net loans and leases to deposits | 82.0089% | 1,827 |
| Net loans and leases to core deposits | 82.5157% | 2,510 |
| Total domestic deposits to total assets | 85.0452% | 4,016 |
| Equity capital to assets | 9.6911% | 4,575 |
| Core capital (leverage) ratio | 9.5242% | 4,039 |
| Tier 1 risk-based capital ratio | 12.6685% | 5,454 |
| Total risk-based capital ratio | 13.9263% | 5,402 |
| Memoranda: | ||
| Average total assets | $54,510,000 | 6,064 |
| Average earning assets | $43,267,000 | 6,237 |
| Average equity | $5,098,000 | 6,218 |
| Average total loans | $40,155,000 | 5,457 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6644% | 456 |
| Cost of funding earning assets | 0.8582% | 2,231 |
| Net interest margin | 4.8062% | 532 |
| Noninterest income to average assets | 0.5000% | 3,900 |
| Noninterest expense to average assets | 3.7497% | 1,329 |
| Loan and lease loss provision to assets | 0.3788% | 1,728 |
| Net operating income to assets | 0.4318% | 4,961 |
| Return on assets (ROA) | 0.4318% | 5,206 |
| Pretax return on assets | 0.4337% | 5,469 |
| Return on Equity (ROE) | 4.5910% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.5910% | 2,993 |
| Net charge-offs to loans | 0.0947% | 4,721 |
| Credit loss provision to net charge-offs | 526.3158% | 459 |
| Earnings coverage of net charge-offs (x) | 11.2895% | 2,052 |
| Efficiency ratio | 82.1918% | 1,838 |
| Assets per employee ($millions) | 3.4511% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7211% | 349 |
| Loan loss allowance to noncurrent loans | 37.2027% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 7.9811% | 342 |
| Noncurrent loans to loans | 10.0021% | 235 |
| Net loans and leases to total assets | 73.2859% | 1,289 |
| Net loans and leases to deposits | 85.5792% | 1,565 |
| Net loans and leases to core deposits | 86.0908% | 2,305 |
| Total domestic deposits to total assets | 85.6351% | 3,536 |
| Equity capital to assets | 9.0224% | 5,500 |
| Core capital (leverage) ratio | 9.1877% | 4,603 |
| Tier 1 risk-based capital ratio | 11.1955% | 6,276 |
| Total risk-based capital ratio | 12.4730% | 6,225 |
| Memoranda: | ||
| Average total assets | $52,803,800 | 6,124 |
| Average earning assets | $44,629,600 | 6,220 |
| Average equity | $4,966,200 | 6,298 |
| Average total loans | $40,117,200 | 5,498 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8425% | 373 |
| Cost of funding earning assets | 0.8915% | 2,230 |
| Net interest margin | 4.9510% | 437 |
| Noninterest income to average assets | 0.4827% | 4,040 |
| Noninterest expense to average assets | 3.6806% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0268% | 2,377 |
| Return on assets (ROA) | 1.0268% | 2,597 |
| Pretax return on assets | 1.0293% | 3,605 |
| Return on Equity (ROE) | 10.8014% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.8014% | 720 |
| Net charge-offs to loans | 0.1312% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.3331% | 2,199 |
| Efficiency ratio | 78.1453% | 2,382 |
| Assets per employee ($millions) | 3.2549% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4271% | 495 |
| Loan loss allowance to noncurrent loans | 51.6288% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 5.3381% | 810 |
| Noncurrent loans to loans | 6.6380% | 568 |
| Net loans and leases to total assets | 73.7509% | 1,286 |
| Net loans and leases to deposits | 89.3189% | 1,227 |
| Net loans and leases to core deposits | 89.9043% | 1,992 |
| Total domestic deposits to total assets | 82.5704% | 4,805 |
| Equity capital to assets | 9.9101% | 4,635 |
| Core capital (leverage) ratio | 9.9767% | 3,578 |
| Tier 1 risk-based capital ratio | 12.1215% | 5,872 |
| Total risk-based capital ratio | 13.3963% | 5,831 |
| Memoranda: | ||
| Average total assets | $52,200,250 | 6,216 |
| Average earning assets | $44,568,750 | 6,289 |
| Average equity | $4,962,250 | 6,370 |
| Average total loans | $39,638,750 | 5,593 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9358% | 327 |
| Cost of funding earning assets | 0.9238% | 2,235 |
| Net interest margin | 5.0120% | 394 |
| Noninterest income to average assets | 0.4900% | 3,984 |
| Noninterest expense to average assets | 3.7442% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0413% | 2,291 |
| Return on assets (ROA) | 1.0413% | 2,520 |
| Pretax return on assets | 1.0452% | 3,539 |
| Return on Equity (ROE) | 11.1111% | 1,953 |
| Retained earnings to average equity (ytd only) | 11.1111% | 730 |
| Net charge-offs to loans | 0.2374% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.8085% | 2,750 |
| Efficiency ratio | 78.1775% | 2,438 |
| Assets per employee ($millions) | 3.2129% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4433% | 514 |
| Loan loss allowance to noncurrent loans | 73.7214% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 3.8536% | 1,346 |
| Noncurrent loans to loans | 4.6707% | 1,108 |
| Net loans and leases to total assets | 73.9155% | 1,255 |
| Net loans and leases to deposits | 89.6261% | 1,180 |
| Net loans and leases to core deposits | 90.7651% | 1,900 |
| Total domestic deposits to total assets | 82.4709% | 4,959 |
| Equity capital to assets | 9.7926% | 4,640 |
| Core capital (leverage) ratio | 9.5958% | 4,007 |
| Tier 1 risk-based capital ratio | 12.1413% | 5,838 |
| Total risk-based capital ratio | 13.4174% | 5,795 |
| Memoranda: | ||
| Average total assets | $52,241,000 | 6,258 |
| Average earning assets | $44,812,670 | 6,318 |
| Average equity | $4,896,000 | 6,417 |
| Average total loans | $39,594,670 | 5,622 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0439% | 291 |
| Cost of funding earning assets | 0.9571% | 2,252 |
| Net interest margin | 5.0868% | 351 |
| Noninterest income to average assets | 0.4710% | 4,140 |
| Noninterest expense to average assets | 3.8208% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0027% | 2,473 |
| Return on assets (ROA) | 1.0027% | 2,661 |
| Pretax return on assets | 1.0103% | 3,642 |
| Return on Equity (ROE) | 10.9385% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.9385% | 1,042 |
| Net charge-offs to loans | 0.4834% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.7708% | 3,073 |
| Efficiency ratio | 79.0881% | 2,335 |
| Assets per employee ($millions) | 3.2564% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3913% | 578 |
| Loan loss allowance to noncurrent loans | 61.5455% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 4.4969% | 1,188 |
| Noncurrent loans to loans | 5.5102% | 969 |
| Net loans and leases to total assets | 74.0303% | 1,058 |
| Net loans and leases to deposits | 89.2705% | 1,035 |
| Net loans and leases to core deposits | 90.3812% | 1,812 |
| Total domestic deposits to total assets | 82.9280% | 4,957 |
| Equity capital to assets | 9.3929% | 4,970 |
| Core capital (leverage) ratio | 9.3204% | 4,329 |
| Tier 1 risk-based capital ratio | 11.5915% | 6,227 |
| Total risk-based capital ratio | 12.8662% | 6,189 |
| Memoranda: | ||
| Average total assets | $52,658,500 | 6,282 |
| Average earning assets | $45,136,500 | 6,359 |
| Average equity | $4,827,000 | 6,476 |
| Average total loans | $39,716,000 | 5,655 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8842% | 542 |
| Cost of funding earning assets | 1.2126% | 1,947 |
| Net interest margin | 4.6716% | 798 |
| Noninterest income to average assets | 0.3431% | 5,072 |
| Noninterest expense to average assets | 3.6403% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4920% | 4,462 |
| Return on assets (ROA) | 0.4920% | 4,670 |
| Pretax return on assets | 0.4939% | 5,012 |
| Return on Equity (ROE) | 5.6989% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.6989% | 2,176 |
| Net charge-offs to loans | -0.1074% | 7,145 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0529% | 1,356 |
| Assets per employee ($millions) | 3.3259% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5488% | 515 |
| Loan loss allowance to noncurrent loans | 76.9907% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 3.7678% | 1,541 |
| Noncurrent loans to loans | 4.6094% | 1,287 |
| Net loans and leases to total assets | 71.6052% | 1,712 |
| Net loans and leases to deposits | 85.8430% | 1,686 |
| Net loans and leases to core deposits | 86.8824% | 2,516 |
| Total domestic deposits to total assets | 83.4141% | 4,587 |
| Equity capital to assets | 8.9450% | 5,614 |
| Core capital (leverage) ratio | 8.7561% | 5,162 |
| Tier 1 risk-based capital ratio | 11.4956% | 6,160 |
| Total risk-based capital ratio | 12.7710% | 6,137 |
| Memoranda: | ||
| Average total assets | $53,045,400 | 6,262 |
| Average earning assets | $43,047,200 | 6,416 |
| Average equity | $4,579,800 | 6,563 |
| Average total loans | $39,103,200 | 5,740 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9968% | 463 |
| Cost of funding earning assets | 1.2783% | 1,828 |
| Net interest margin | 4.7185% | 734 |
| Noninterest income to average assets | 0.3698% | 4,916 |
| Noninterest expense to average assets | 3.7657% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3899% | 5,044 |
| Return on assets (ROA) | 0.3899% | 5,229 |
| Pretax return on assets | 0.3924% | 5,495 |
| Return on Equity (ROE) | 4.5573% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.5573% | 3,473 |
| Net charge-offs to loans | -0.0034% | 6,687 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5626% | 1,131 |
| Assets per employee ($millions) | 3.5733% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5579% | 540 |
| Loan loss allowance to noncurrent loans | 52.7111% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 5.3228% | 1,065 |
| Noncurrent loans to loans | 6.7498% | 755 |
| Net loans and leases to total assets | 68.8284% | 2,307 |
| Net loans and leases to deposits | 82.2601% | 2,308 |
| Net loans and leases to core deposits | 83.2420% | 3,157 |
| Total domestic deposits to total assets | 83.6716% | 4,391 |
| Equity capital to assets | 8.6996% | 6,086 |
| Core capital (leverage) ratio | 8.6307% | 5,504 |
| Tier 1 risk-based capital ratio | 11.4792% | 6,252 |
| Total risk-based capital ratio | 12.7544% | 6,231 |
| Memoranda: | ||
| Average total assets | $53,003,250 | 6,314 |
| Average earning assets | $42,555,000 | 6,498 |
| Average equity | $4,534,750 | 6,627 |
| Average total loans | $39,002,500 | 5,789 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9809% | 497 |
| Cost of funding earning assets | 1.2904% | 2,003 |
| Net interest margin | 4.6905% | 747 |
| Noninterest income to average assets | 0.3409% | 5,154 |
| Noninterest expense to average assets | 3.8595% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2500% | 5,561 |
| Return on assets (ROA) | 0.2500% | 5,686 |
| Pretax return on assets | 0.2538% | 5,800 |
| Return on Equity (ROE) | 2.9386% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.9386% | 4,409 |
| Net charge-offs to loans | -0.0051% | 6,588 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8306% | 986 |
| Assets per employee ($millions) | 3.1061% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5929% | 566 |
| Loan loss allowance to noncurrent loans | 51.0311% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 5.6170% | 1,038 |
| Noncurrent loans to loans | 7.0407% | 731 |
| Net loans and leases to total assets | 69.1595% | 2,385 |
| Net loans and leases to deposits | 82.9940% | 2,280 |
| Net loans and leases to core deposits | 84.0000% | 3,208 |
| Total domestic deposits to total assets | 83.3308% | 4,616 |
| Equity capital to assets | 8.6679% | 5,980 |
| Core capital (leverage) ratio | 8.5866% | 5,419 |
| Tier 1 risk-based capital ratio | 11.3582% | 6,280 |
| Total risk-based capital ratio | 12.6349% | 6,246 |
| Memoranda: | ||
| Average total assets | $52,804,330 | 6,378 |
| Average earning assets | $42,468,670 | 6,560 |
| Average equity | $4,492,000 | 6,679 |
| Average total loans | $39,252,330 | 5,831 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7357% | 824 |
| Cost of funding earning assets | 1.2997% | 2,175 |
| Net interest margin | 4.4360% | 1,198 |
| Noninterest income to average assets | 0.3333% | 5,235 |
| Noninterest expense to average assets | 4.3708% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4772% | 6,795 |
| Return on assets (ROA) | -0.4772% | 6,799 |
| Pretax return on assets | -0.4697% | 6,738 |
| Return on Equity (ROE) | -5.6636% | 6,844 |
| Retained earnings to average equity (ytd only) | -5.6636% | 6,568 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0388% | 457 |
| Assets per employee ($millions) | 2.9064% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4824% | 616 |
| Loan loss allowance to noncurrent loans | 44.0272% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 6.5047% | 857 |
| Noncurrent loans to loans | 7.9096% | 640 |
| Net loans and leases to total assets | 72.0506% | 1,718 |
| Net loans and leases to deposits | 86.4383% | 1,659 |
| Net loans and leases to core deposits | 86.9868% | 2,736 |
| Total domestic deposits to total assets | 83.3550% | 4,769 |
| Equity capital to assets | 8.4276% | 6,019 |
| Core capital (leverage) ratio | 8.3859% | 5,653 |
| Tier 1 risk-based capital ratio | 10.7974% | 6,639 |
| Total risk-based capital ratio | 12.0734% | 6,605 |
| Memoranda: | ||
| Average total assets | $52,804,500 | 6,422 |
| Average earning assets | $42,471,000 | 6,605 |
| Average equity | $4,449,500 | 6,723 |
| Average total loans | $39,938,500 | 5,853 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1318% | 650 |
| Cost of funding earning assets | 1.5111% | 2,569 |
| Net interest margin | 4.6207% | 965 |
| Noninterest income to average assets | 0.4363% | 4,623 |
| Noninterest expense to average assets | 4.0473% | 1,099 |
| Loan and lease loss provision to assets | 1.3781% | 1,093 |
| Net operating income to assets | -0.9666% | 6,660 |
| Return on assets (ROA) | -0.8052% | 6,606 |
| Pretax return on assets | -0.8034% | 6,526 |
| Return on Equity (ROE) | -9.7942% | 6,719 |
| Retained earnings to average equity (ytd only) | -9.7942% | 6,653 |
| Net charge-offs to loans | 1.2117% | 1,850 |
| Credit loss provision to net charge-offs | 139.2473% | 2,734 |
| Earnings coverage of net charge-offs (x) | 0.4176% | 5,692 |
| Efficiency ratio | 90.7356% | 1,263 |
| Assets per employee ($millions) | 3.1349% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3315% | 666 |
| Loan loss allowance to noncurrent loans | 44.7221% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 6.0796% | 970 |
| Noncurrent loans to loans | 7.4492% | 730 |
| Net loans and leases to total assets | 74.0491% | 1,653 |
| Net loans and leases to deposits | 88.6769% | 1,698 |
| Net loans and leases to core deposits | 89.2263% | 2,869 |
| Total domestic deposits to total assets | 83.5044% | 4,603 |
| Equity capital to assets | 8.4251% | 5,958 |
| Core capital (leverage) ratio | 8.0475% | 6,122 |
| Tier 1 risk-based capital ratio | 10.7227% | 6,553 |
| Total risk-based capital ratio | 11.9981% | 6,499 |
| Memoranda: | ||
| Average total assets | $56,383,800 | 6,331 |
| Average earning assets | $49,104,600 | 6,401 |
| Average equity | $4,635,400 | 6,775 |
| Average total loans | $46,051,800 | 5,639 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6589% | 1,855 |
| Cost of funding earning assets | 1.5276% | 2,791 |
| Net interest margin | 4.1313% | 2,482 |
| Noninterest income to average assets | 0.4152% | 4,837 |
| Noninterest expense to average assets | 4.0286% | 1,021 |
| Loan and lease loss provision to assets | 1.0497% | 1,405 |
| Net operating income to assets | -0.9937% | 6,898 |
| Return on assets (ROA) | -0.7815% | 6,818 |
| Pretax return on assets | -0.7791% | 6,726 |
| Return on Equity (ROE) | -9.5609% | 6,910 |
| Retained earnings to average equity (ytd only) | -9.5609% | 6,855 |
| Net charge-offs to loans | 0.8390% | 2,358 |
| Credit loss provision to net charge-offs | 151.0067% | 2,574 |
| Earnings coverage of net charge-offs (x) | 0.0839% | 5,948 |
| Efficiency ratio | 98.5731% | 800 |
| Assets per employee ($millions) | 3.2548% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8531% | 957 |
| Loan loss allowance to noncurrent loans | 19.3679% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 12.3746% | 252 |
| Noncurrent loans to loans | 14.7311% | 168 |
| Net loans and leases to total assets | 79.5684% | 813 |
| Net loans and leases to deposits | 100.4586% | 622 |
| Net loans and leases to core deposits | 101.0884% | 1,738 |
| Total domestic deposits to total assets | 79.2051% | 5,970 |
| Equity capital to assets | 8.3461% | 6,460 |
| Core capital (leverage) ratio | 8.1935% | 6,051 |
| Tier 1 risk-based capital ratio | 9.9243% | 7,102 |
| Total risk-based capital ratio | 11.1953% | 7,081 |
| Memoranda: | ||
| Average total assets | $57,156,500 | 6,380 |
| Average earning assets | $50,797,250 | 6,412 |
| Average equity | $4,671,750 | 6,848 |
| Average total loans | $47,359,000 | 5,667 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 2,230 |
| Cost of funding earning assets | 1.5580% | 2,913 |
| Net interest margin | 4.0168% | 2,937 |
| Noninterest income to average assets | 0.4363% | 4,644 |
| Noninterest expense to average assets | 3.9366% | 1,129 |
| Loan and lease loss provision to assets | 1.0387% | 1,401 |
| Net operating income to assets | -0.9452% | 6,924 |
| Return on assets (ROA) | -0.6301% | 6,790 |
| Pretax return on assets | -0.6267% | 6,682 |
| Return on Equity (ROE) | -7.7617% | 6,877 |
| Retained earnings to average equity (ytd only) | -7.7617% | 6,797 |
| Net charge-offs to loans | 1.0658% | 1,765 |
| Credit loss provision to net charge-offs | 117.1875% | 3,470 |
| Earnings coverage of net charge-offs (x) | 0.1094% | 5,612 |
| Efficiency ratio | 97.5966% | 894 |
| Assets per employee ($millions) | 3.4671% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5089% | 1,288 |
| Loan loss allowance to noncurrent loans | 19.3913% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 11.3785% | 301 |
| Noncurrent loans to loans | 12.9383% | 234 |
| Net loans and leases to total assets | 83.0079% | 438 |
| Net loans and leases to deposits | 106.2999% | 380 |
| Net loans and leases to core deposits | 106.2999% | 1,414 |
| Total domestic deposits to total assets | 78.0884% | 6,249 |
| Equity capital to assets | 8.6114% | 5,995 |
| Core capital (leverage) ratio | 8.5325% | 5,353 |
| Tier 1 risk-based capital ratio | 9.8174% | 7,121 |
| Total risk-based capital ratio | 11.0817% | 7,098 |
| Memoranda: | ||
| Average total assets | $57,765,000 | 6,395 |
| Average earning assets | $51,733,000 | 6,417 |
| Average equity | $4,689,670 | 6,880 |
| Average total loans | $48,039,000 | 5,687 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7594% | 1,597 |
| Cost of funding earning assets | 1.5707% | 3,137 |
| Net interest margin | 4.1886% | 2,086 |
| Noninterest income to average assets | 0.3938% | 4,961 |
| Noninterest expense to average assets | 3.7073% | 1,501 |
| Loan and lease loss provision to assets | 1.0185% | 1,221 |
| Net operating income to assets | -0.5907% | 6,889 |
| Return on assets (ROA) | -0.5907% | 6,923 |
| Pretax return on assets | -0.5839% | 6,838 |
| Return on Equity (ROE) | -7.4903% | 7,028 |
| Retained earnings to average equity (ytd only) | -7.4903% | 6,787 |
| Net charge-offs to loans | 0.0248% | 5,229 |
| Credit loss provision to net charge-offs | 5,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,126 |
| Efficiency ratio | 89.5082% | 1,471 |
| Assets per employee ($millions) | 3.5591% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7211% | 1,061 |
| Loan loss allowance to noncurrent loans | 27.1215% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 8.6099% | 543 |
| Noncurrent loans to loans | 10.0332% | 420 |
| Net loans and leases to total assets | 80.8573% | 731 |
| Net loans and leases to deposits | 104.1200% | 523 |
| Net loans and leases to core deposits | 104.1200% | 1,728 |
| Total domestic deposits to total assets | 77.6578% | 6,409 |
| Equity capital to assets | 8.2973% | 6,304 |
| Core capital (leverage) ratio | 7.9365% | 6,331 |
| Tier 1 risk-based capital ratio | 9.5429% | 7,285 |
| Total risk-based capital ratio | 10.8113% | 7,265 |
| Memoranda: | ||
| Average total assets | $58,911,000 | 6,435 |
| Average earning assets | $52,714,000 | 6,452 |
| Average equity | $4,646,000 | 6,961 |
| Average total loans | $48,442,500 | 5,739 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3227% | 981 |
| Cost of funding earning assets | 1.9511% | 3,203 |
| Net interest margin | 4.3716% | 1,511 |
| Noninterest income to average assets | 0.5673% | 3,890 |
| Noninterest expense to average assets | 3.5874% | 2,182 |
| Loan and lease loss provision to assets | 3.9066% | 361 |
| Net operating income to assets | -3.0151% | 7,398 |
| Return on assets (ROA) | -3.0151% | 7,408 |
| Pretax return on assets | -3.0135% | 7,294 |
| Return on Equity (ROE) | -32.4377% | 7,443 |
| Retained earnings to average equity (ytd only) | -32.8648% | 7,434 |
| Net charge-offs to loans | 3.8177% | 456 |
| Credit loss provision to net charge-offs | 123.9244% | 4,244 |
| Earnings coverage of net charge-offs (x) | 0.2833% | 5,829 |
| Efficiency ratio | 80.0664% | 2,881 |
| Assets per employee ($millions) | 3.5809% | 4,822 |
| Cash dividends to net income (ytd only)* | -1.3165% | 7,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3026% | 1,477 |
| Loan loss allowance to noncurrent loans | 29.4072% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 6.6266% | 813 |
| Noncurrent loans to loans | 7.8302% | 656 |
| Net loans and leases to total assets | 79.5240% | 1,084 |
| Net loans and leases to deposits | 100.2008% | 882 |
| Net loans and leases to core deposits | 115.0124% | 2,414 |
| Total domestic deposits to total assets | 79.3646% | 5,886 |
| Equity capital to assets | 7.5021% | 7,034 |
| Core capital (leverage) ratio | 7.3114% | 6,974 |
| Tier 1 risk-based capital ratio | 8.8225% | 7,531 |
| Total risk-based capital ratio | 10.0860% | 7,552 |
| Memoranda: | ||
| Average total assets | $60,461,800 | 6,330 |
| Average earning assets | $54,122,600 | 6,369 |
| Average equity | $5,620,000 | 6,734 |
| Average total loans | $49,925,000 | 5,672 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4927% | 756 |
| Cost of funding earning assets | 1.9972% | 3,374 |
| Net interest margin | 4.4955% | 1,202 |
| Noninterest income to average assets | 0.5920% | 3,768 |
| Noninterest expense to average assets | 3.5079% | 2,263 |
| Loan and lease loss provision to assets | 5.2176% | 157 |
| Net operating income to assets | -4.1109% | 7,762 |
| Return on assets (ROA) | -4.1087% | 7,764 |
| Pretax return on assets | -4.1087% | 7,703 |
| Return on Equity (ROE) | -42.1526% | 7,771 |
| Retained earnings to average equity (ytd only) | -42.6965% | 7,773 |
| Net charge-offs to loans | 4.9394% | 237 |
| Credit loss provision to net charge-offs | 127.4690% | 3,941 |
| Earnings coverage of net charge-offs (x) | 0.2704% | 5,741 |
| Efficiency ratio | 76.0172% | 3,512 |
| Assets per employee ($millions) | 3.5237% | 4,870 |
| Cash dividends to net income (ytd only)* | -1.2904% | 7,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3919% | 1,178 |
| Loan loss allowance to noncurrent loans | 33.3799% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 6.2284% | 841 |
| Noncurrent loans to loans | 7.1658% | 743 |
| Net loans and leases to total assets | 81.3382% | 927 |
| Net loans and leases to deposits | 104.3363% | 747 |
| Net loans and leases to core deposits | 122.4806% | 2,034 |
| Total domestic deposits to total assets | 77.9577% | 6,104 |
| Equity capital to assets | 7.5956% | 7,225 |
| Core capital (leverage) ratio | 7.1835% | 7,279 |
| Tier 1 risk-based capital ratio | 8.5743% | 7,724 |
| Total risk-based capital ratio | 9.8376% | 7,749 |
| Memoranda: | ||
| Average total assets | $60,358,250 | 6,377 |
| Average earning assets | $54,007,750 | 6,420 |
| Average equity | $5,883,250 | 6,713 |
| Average total loans | $50,018,250 | 5,721 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7588% | 488 |
| Cost of funding earning assets | 2.0213% | 3,675 |
| Net interest margin | 4.7374% | 751 |
| Noninterest income to average assets | 0.7371% | 2,779 |
| Noninterest expense to average assets | 3.4936% | 2,357 |
| Loan and lease loss provision to assets | 2.9747% | 513 |
| Net operating income to assets | -1.4973% | 7,244 |
| Return on assets (ROA) | -1.4973% | 7,247 |
| Pretax return on assets | -1.4940% | 7,087 |
| Return on Equity (ROE) | -14.3181% | 7,304 |
| Retained earnings to average equity (ytd only) | -15.0766% | 7,241 |
| Net charge-offs to loans | 2.9929% | 545 |
| Credit loss provision to net charge-offs | 120.1602% | 3,865 |
| Earnings coverage of net charge-offs (x) | 0.5981% | 5,114 |
| Efficiency ratio | 70.2326% | 4,730 |
| Assets per employee ($millions) | 3.6304% | 4,496 |
| Cash dividends to net income (ytd only)* | -5.2980% | 7,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 2,555 |
| Loan loss allowance to noncurrent loans | 19.0389% | 7,181 |
| Noncurrent assets plus other real estate owned to assets | 7.3644% | 551 |
| Noncurrent loans to loans | 8.6279% | 473 |
| Net loans and leases to total assets | 81.1086% | 1,117 |
| Net loans and leases to deposits | 106.3142% | 747 |
| Net loans and leases to core deposits | 124.3838% | 1,991 |
| Total domestic deposits to total assets | 76.2914% | 6,487 |
| Equity capital to assets | 9.6377% | 4,445 |
| Core capital (leverage) ratio | 9.2870% | 4,185 |
| Tier 1 risk-based capital ratio | 10.1984% | 6,717 |
| Total risk-based capital ratio | 11.4512% | 6,642 |
| Memoranda: | ||
| Average total assets | $60,510,000 | 6,431 |
| Average earning assets | $54,122,330 | 6,463 |
| Average equity | $6,327,670 | 6,601 |
| Average total loans | $50,051,670 | 5,761 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8379% | 452 |
| Cost of funding earning assets | 2.0462% | 3,896 |
| Net interest margin | 4.7918% | 623 |
| Noninterest income to average assets | 0.4273% | 4,983 |
| Noninterest expense to average assets | 3.2183% | 2,902 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5023% | 932 |
| Return on assets (ROA) | 1.5023% | 1,001 |
| Pretax return on assets | 1.5090% | 1,641 |
| Return on Equity (ROE) | 13.8090% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.3360% | 737 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0791% | 4,955 |
| Assets per employee ($millions) | 3.3956% | 5,086 |
| Cash dividends to net income (ytd only)* | 10.6667% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 3,777 |
| Loan loss allowance to noncurrent loans | 26.7369% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 5.0834% | 886 |
| Noncurrent loans to loans | 5.0622% | 1,073 |
| Net loans and leases to total assets | 81.6822% | 1,064 |
| Net loans and leases to deposits | 110.0251% | 608 |
| Net loans and leases to core deposits | 127.9898% | 1,787 |
| Total domestic deposits to total assets | 74.2396% | 6,845 |
| Equity capital to assets | 10.8441% | 3,130 |
| Core capital (leverage) ratio | 10.9228% | 2,565 |
| Tier 1 risk-based capital ratio | 11.2627% | 5,634 |
| Total risk-based capital ratio | 12.4529% | 5,613 |
| Memoranda: | ||
| Average total assets | $59,907,000 | 6,476 |
| Average earning assets | $53,759,000 | 6,511 |
| Average equity | $6,517,500 | 6,581 |
| Average total loans | $49,631,000 | 5,814 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1800% | 777 |
| Cost of funding earning assets | 2.6198% | 3,581 |
| Net interest margin | 4.5602% | 1,287 |
| Noninterest income to average assets | 0.4856% | 4,740 |
| Noninterest expense to average assets | 3.1943% | 3,361 |
| Loan and lease loss provision to assets | 0.5041% | 2,795 |
| Net operating income to assets | 0.8687% | 3,136 |
| Return on assets (ROA) | 0.8687% | 2,987 |
| Pretax return on assets | 0.8704% | 3,824 |
| Return on Equity (ROE) | 8.1861% | 2,989 |
| Retained earnings to average equity (ytd only) | 2.9451% | 3,340 |
| Net charge-offs to loans | 0.9843% | 1,259 |
| Credit loss provision to net charge-offs | 63.0252% | 6,190 |
| Earnings coverage of net charge-offs (x) | 1.7185% | 5,218 |
| Efficiency ratio | 69.9154% | 4,370 |
| Assets per employee ($millions) | 4.1924% | 3,131 |
| Cash dividends to net income (ytd only)* | 64.0232% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 3,151 |
| Loan loss allowance to noncurrent loans | 28.8057% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 4.6667% | 781 |
| Noncurrent loans to loans | 4.8878% | 920 |
| Net loans and leases to total assets | 81.7252% | 1,281 |
| Net loans and leases to deposits | 104.9652% | 1,240 |
| Net loans and leases to core deposits | 121.2053% | 2,591 |
| Total domestic deposits to total assets | 77.8594% | 5,761 |
| Equity capital to assets | 10.9161% | 3,107 |
| Core capital (leverage) ratio | 10.3961% | 3,076 |
| Tier 1 risk-based capital ratio | 11.2528% | 5,486 |
| Total risk-based capital ratio | 12.4801% | 5,392 |
| Memoranda: | ||
| Average total assets | $59,513,000 | 6,400 |
| Average earning assets | $53,286,800 | 6,450 |
| Average equity | $6,315,600 | 6,697 |
| Average total loans | $48,361,000 | 5,763 |