Home > State Bank of Taunton > Performance and Condition Ratios
State Bank of Taunton, 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 | 5.3046% | 1,486 |
| Cost of funding earning assets | 0.6367% | 4,020 |
| Net interest margin | 4.6679% | 489 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 4.0967% | 341 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5466% | 3,578 |
| Return on assets (ROA) | 0.5466% | 3,562 |
| Pretax return on assets | 0.5466% | 3,731 |
| Return on Equity (ROE) | 6.8400% | 3,318 |
| Retained earnings to average equity (ytd only) | 1.4467% | 3,724 |
| Net charge-offs to loans | -0.0604% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.3069% | 509 |
| Assets per employee ($millions) | 4.8387% | 3,748 |
| Cash dividends to net income (ytd only)* | 78.8530% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 914 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.3400% | 2,532 |
| Net loans and leases to deposits | 74.3059% | 2,595 |
| Net loans and leases to core deposits | 77.7028% | 2,864 |
| Total domestic deposits to total assets | 85.2400% | 2,230 |
| Equity capital to assets | 9.0004% | 2,675 |
| Core capital (leverage) ratio | 13.2446% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5027% | 995 |
| Memoranda: | ||
| Average total assets | $51,041,400 | 4,314 |
| Average earning assets | $48,844,000 | 4,266 |
| Average equity | $4,078,200 | 4,349 |
| Average total loans | $34,765,400 | 4,073 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 1,630 |
| Cost of funding earning assets | 0.5012% | 4,133 |
| Net interest margin | 4.6029% | 524 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 4.0511% | 348 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5106% | 3,743 |
| Return on assets (ROA) | 0.5132% | 3,728 |
| Pretax return on assets | 0.5132% | 3,885 |
| Return on Equity (ROE) | 6.6200% | 3,518 |
| Retained earnings to average equity (ytd only) | 0.9645% | 3,958 |
| Net charge-offs to loans | -0.0486% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.5697% | 456 |
| Assets per employee ($millions) | 4.7958% | 3,741 |
| Cash dividends to net income (ytd only)* | 85.4271% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 1,308 |
| Loan loss allowance to noncurrent loans | 39.1482% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.5981% | 90 |
| Noncurrent loans to loans | 3.6655% | 95 |
| Net loans and leases to total assets | 68.4600% | 2,001 |
| Net loans and leases to deposits | 79.4392% | 2,101 |
| Net loans and leases to core deposits | 80.0258% | 2,599 |
| Total domestic deposits to total assets | 86.1800% | 2,141 |
| Equity capital to assets | 7.9007% | 3,117 |
| Core capital (leverage) ratio | 13.0329% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5221% | 1,018 |
| Memoranda: | ||
| Average total assets | $51,705,000 | 4,322 |
| Average earning assets | $49,475,250 | 4,281 |
| Average equity | $4,009,000 | 4,366 |
| Average total loans | $35,673,750 | 4,077 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 1,587 |
| Cost of funding earning assets | 0.3785% | 4,201 |
| Net interest margin | 4.6091% | 515 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 3.9695% | 349 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.5892% | 3,605 |
| Return on assets (ROA) | 0.5930% | 3,598 |
| Pretax return on assets | 0.5930% | 3,817 |
| Return on Equity (ROE) | 7.6900% | 3,320 |
| Retained earnings to average equity (ytd only) | -0.6369% | 4,181 |
| Net charge-offs to loans | -0.0329% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.3084% | 530 |
| Assets per employee ($millions) | 4.6183% | 3,879 |
| Cash dividends to net income (ytd only)* | 108.2803% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 1,794 |
| Loan loss allowance to noncurrent loans | 65.3259% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 245 |
| Noncurrent loans to loans | 2.0380% | 270 |
| Net loans and leases to total assets | 68.7100% | 1,881 |
| Net loans and leases to deposits | 79.4709% | 2,019 |
| Net loans and leases to core deposits | 80.4842% | 2,436 |
| Total domestic deposits to total assets | 86.4600% | 2,100 |
| Equity capital to assets | 8.0963% | 3,153 |
| Core capital (leverage) ratio | 12.5297% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4316% | 1,231 |
| Memoranda: | ||
| Average total assets | $52,954,000 | 4,327 |
| Average earning assets | $50,725,333 | 4,286 |
| Average equity | $4,082,333 | 4,385 |
| Average total loans | $36,461,333 | 4,070 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 1,385 |
| Cost of funding earning assets | 0.4094% | 3,943 |
| Net interest margin | 4.5032% | 583 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 3.9533% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6145% | 3,664 |
| Return on assets (ROA) | 0.6145% | 3,619 |
| Pretax return on assets | 0.6145% | 3,819 |
| Return on Equity (ROE) | 8.1600% | 3,248 |
| Retained earnings to average equity (ytd only) | -8.5567% | 4,447 |
| Net charge-offs to loans | -0.0324% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.5478% | 488 |
| Assets per employee ($millions) | 4.9008% | 3,728 |
| Cash dividends to net income (ytd only)* | 204.8193% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 1,954 |
| Loan loss allowance to noncurrent loans | 1,872.0000% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,321 |
| Noncurrent loans to loans | 0.0705% | 3,227 |
| Net loans and leases to total assets | 64.9400% | 2,159 |
| Net loans and leases to deposits | 71.4073% | 2,513 |
| Net loans and leases to core deposits | 73.6286% | 2,705 |
| Total domestic deposits to total assets | 90.9400% | 824 |
| Equity capital to assets | 7.6407% | 3,482 |
| Core capital (leverage) ratio | 11.6178% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0462% | 1,359 |
| Memoranda: | ||
| Average total assets | $54,030,500 | 4,372 |
| Average earning assets | $51,785,000 | 4,332 |
| Average equity | $4,067,000 | 4,446 |
| Average total loans | $37,003,500 | 4,116 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 701 |
| Cost of funding earning assets | 0.2479% | 3,340 |
| Net interest margin | 4.2680% | 456 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 3.7607% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9121% | 2,908 |
| Return on assets (ROA) | 0.9121% | 2,850 |
| Pretax return on assets | 0.9121% | 3,321 |
| Return on Equity (ROE) | 11.5600% | 2,282 |
| Retained earnings to average equity (ytd only) | 3.7803% | 3,469 |
| Net charge-offs to loans | -0.0388% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.4805% | 681 |
| Assets per employee ($millions) | 4.5127% | 4,034 |
| Cash dividends to net income (ytd only)* | 67.3077% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,352 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.3000% | 1,610 |
| Net loans and leases to deposits | 77.0966% | 2,029 |
| Net loans and leases to core deposits | 80.0269% | 2,134 |
| Total domestic deposits to total assets | 91.1800% | 883 |
| Equity capital to assets | 7.4143% | 3,426 |
| Core capital (leverage) ratio | 11.2211% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1729% | 1,577 |
| Memoranda: | ||
| Average total assets | $57,010,600 | 4,368 |
| Average earning assets | $54,850,600 | 4,326 |
| Average equity | $4,497,000 | 4,486 |
| Average total loans | $41,215,400 | 4,046 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 655 |
| Cost of funding earning assets | 0.2374% | 2,847 |
| Net interest margin | 4.1123% | 504 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 3.6147% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0209% | 2,405 |
| Return on assets (ROA) | 1.0371% | 2,303 |
| Pretax return on assets | 1.0371% | 2,910 |
| Return on Equity (ROE) | 12.9600% | 1,710 |
| Retained earnings to average equity (ytd only) | 2.8586% | 3,807 |
| Net charge-offs to loans | -0.0350% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.9771% | 914 |
| Assets per employee ($millions) | 4.5102% | 4,046 |
| Cash dividends to net income (ytd only)* | 77.9510% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 2,913 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.1400% | 1,556 |
| Net loans and leases to deposits | 77.9628% | 1,713 |
| Net loans and leases to core deposits | 81.3388% | 1,810 |
| Total domestic deposits to total assets | 88.6800% | 2,223 |
| Equity capital to assets | 6.4896% | 3,743 |
| Core capital (leverage) ratio | 9.8005% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0860% | 2,435 |
| Memoranda: | ||
| Average total assets | $57,725,250 | 4,396 |
| Average earning assets | $55,603,500 | 4,355 |
| Average equity | $4,617,500 | 4,514 |
| Average total loans | $41,886,000 | 4,054 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 668 |
| Cost of funding earning assets | 0.2346% | 2,449 |
| Net interest margin | 3.9408% | 567 |
| Noninterest income to average assets | 0.9230% | 799 |
| Noninterest expense to average assets | 3.4551% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2713% | 1,217 |
| Return on assets (ROA) | 1.2956% | 1,129 |
| Pretax return on assets | 1.2956% | 1,768 |
| Return on Equity (ROE) | 15.2199% | 850 |
| Retained earnings to average equity (ytd only) | 4.9915% | 2,715 |
| Net charge-offs to loans | -0.0474% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1024% | 1,608 |
| Assets per employee ($millions) | 4.6747% | 3,954 |
| Cash dividends to net income (ytd only)* | 67.2043% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.0383% | 1,296 |
| Net loans and leases to deposits | 79.2917% | 1,437 |
| Net loans and leases to core deposits | 82.2935% | 1,575 |
| Total domestic deposits to total assets | 88.3300% | 2,448 |
| Equity capital to assets | 7.0642% | 3,731 |
| Core capital (leverage) ratio | 10.8079% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6620% | 2,625 |
| Memoranda: | ||
| Average total assets | $57,423,000 | 4,443 |
| Average earning assets | $55,420,667 | 4,408 |
| Average equity | $4,888,333 | 4,532 |
| Average total loans | $42,182,667 | 4,103 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 566 |
| Cost of funding earning assets | 0.2446% | 2,221 |
| Net interest margin | 3.9135% | 486 |
| Noninterest income to average assets | 0.1794% | 4,095 |
| Noninterest expense to average assets | 3.4081% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5597% | 3,528 |
| Return on assets (ROA) | 0.6099% | 3,344 |
| Pretax return on assets | 0.6099% | 3,606 |
| Return on Equity (ROE) | 6.5561% | 3,180 |
| Retained earnings to average equity (ytd only) | -12.7266% | 4,608 |
| Net charge-offs to loans | -0.0670% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8951% | 746 |
| Assets per employee ($millions) | 4.7368% | 3,975 |
| Cash dividends to net income (ytd only)* | 294.1176% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.2476% | 810 |
| Net loans and leases to deposits | 83.0845% | 942 |
| Net loans and leases to core deposits | 85.7402% | 1,149 |
| Total domestic deposits to total assets | 86.9568% | 2,942 |
| Equity capital to assets | 8.1559% | 3,445 |
| Core capital (leverage) ratio | 10.5350% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0317% | 2,598 |
| Memoranda: | ||
| Average total assets | $55,749,000 | 4,484 |
| Average earning assets | $53,967,000 | 4,443 |
| Average equity | $5,186,000 | 4,548 |
| Average total loans | $41,763,000 | 4,125 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 945 |
| Cost of funding earning assets | 0.4233% | 1,367 |
| Net interest margin | 3.8081% | 989 |
| Noninterest income to average assets | 1.2470% | 681 |
| Noninterest expense to average assets | 3.4973% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4332% | 1,174 |
| Return on assets (ROA) | 1.4964% | 1,080 |
| Pretax return on assets | 1.4964% | 1,743 |
| Return on Equity (ROE) | 14.3010% | 1,105 |
| Retained earnings to average equity (ytd only) | 11.7218% | 578 |
| Net charge-offs to loans | -0.0478% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9324% | 1,624 |
| Assets per employee ($millions) | 4.5547% | 4,073 |
| Cash dividends to net income (ytd only)* | 18.0348% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 76.0282% | 519 |
| Net loans and leases to deposits | 88.8894% | 613 |
| Net loans and leases to core deposits | 91.9052% | 885 |
| Total domestic deposits to total assets | 85.5313% | 3,077 |
| Equity capital to assets | 10.6411% | 2,055 |
| Core capital (leverage) ratio | 11.3581% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3807% | 2,499 |
| Memoranda: | ||
| Average total assets | $53,727,200 | 4,526 |
| Average earning assets | $51,968,600 | 4,488 |
| Average equity | $5,622,000 | 4,568 |
| Average total loans | $39,780,000 | 4,193 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 1,046 |
| Cost of funding earning assets | 0.4717% | 1,205 |
| Net interest margin | 3.7686% | 1,186 |
| Noninterest income to average assets | 1.6225% | 476 |
| Noninterest expense to average assets | 3.5492% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7173% | 799 |
| Return on assets (ROA) | 1.8020% | 691 |
| Pretax return on assets | 1.8020% | 1,158 |
| Return on Equity (ROE) | 17.2957% | 722 |
| Retained earnings to average equity (ytd only) | 13.8270% | 525 |
| Net charge-offs to loans | -0.0510% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3923% | 1,916 |
| Assets per employee ($millions) | 4.5808% | 4,062 |
| Cash dividends to net income (ytd only)* | 20.0553% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.5154% | 821 |
| Net loans and leases to deposits | 84.8666% | 899 |
| Net loans and leases to core deposits | 87.6721% | 1,172 |
| Total domestic deposits to total assets | 85.4463% | 2,966 |
| Equity capital to assets | 10.5005% | 2,462 |
| Core capital (leverage) ratio | 11.1352% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6283% | 2,494 |
| Memoranda: | ||
| Average total assets | $53,495,000 | 4,589 |
| Average earning assets | $51,724,750 | 4,551 |
| Average equity | $5,573,500 | 4,642 |
| Average total loans | $39,224,250 | 4,268 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 1,157 |
| Cost of funding earning assets | 0.4798% | 1,327 |
| Net interest margin | 3.7371% | 1,250 |
| Noninterest income to average assets | 2.3621% | 266 |
| Noninterest expense to average assets | 3.4639% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.5130% | 213 |
| Return on assets (ROA) | 2.6300% | 199 |
| Pretax return on assets | 2.6300% | 292 |
| Return on Equity (ROE) | 25.3117% | 180 |
| Retained earnings to average equity (ytd only) | 20.0460% | 156 |
| Net charge-offs to loans | -0.0566% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9545% | 3,293 |
| Assets per employee ($millions) | 5.5353% | 3,086 |
| Cash dividends to net income (ytd only)* | 20.8034% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 73.3276% | 822 |
| Net loans and leases to deposits | 85.5135% | 944 |
| Net loans and leases to core deposits | 87.7904% | 1,279 |
| Total domestic deposits to total assets | 85.7496% | 2,820 |
| Equity capital to assets | 10.3138% | 2,564 |
| Core capital (leverage) ratio | 10.9734% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3406% | 1,855 |
| Memoranda: | ||
| Average total assets | $53,003,667 | 4,626 |
| Average earning assets | $51,269,333 | 4,584 |
| Average equity | $5,507,333 | 4,674 |
| Average total loans | $38,863,667 | 4,306 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 1,279 |
| Cost of funding earning assets | 0.5033% | 1,375 |
| Net interest margin | 3.6512% | 1,446 |
| Noninterest income to average assets | 2.8015% | 222 |
| Noninterest expense to average assets | 3.5964% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7321% | 190 |
| Return on assets (ROA) | 2.8941% | 186 |
| Pretax return on assets | 2.8941% | 263 |
| Return on Equity (ROE) | 27.7444% | 187 |
| Retained earnings to average equity (ytd only) | 17.0166% | 423 |
| Net charge-offs to loans | -0.0635% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8293% | 3,447 |
| Assets per employee ($millions) | 5.4246% | 3,190 |
| Cash dividends to net income (ytd only)* | 38.6667% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.1840% | 1,265 |
| Net loans and leases to deposits | 81.3209% | 1,394 |
| Net loans and leases to core deposits | 83.5169% | 1,718 |
| Total domestic deposits to total assets | 86.3050% | 2,622 |
| Equity capital to assets | 9.7150% | 2,983 |
| Core capital (leverage) ratio | 11.0244% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6479% | 2,020 |
| Memoranda: | ||
| Average total assets | $51,829,000 | 4,655 |
| Average earning assets | $50,065,500 | 4,617 |
| Average equity | $5,406,500 | 4,699 |
| Average total loans | $37,780,500 | 4,343 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 929 |
| Cost of funding earning assets | 0.7171% | 1,636 |
| Net interest margin | 3.9640% | 1,054 |
| Noninterest income to average assets | 0.1691% | 4,445 |
| Noninterest expense to average assets | 3.5580% | 639 |
| Loan and lease loss provision to assets | -0.0815% | 4,950 |
| Net operating income to assets | 0.5115% | 4,005 |
| Return on assets (ROA) | 0.7458% | 3,398 |
| Pretax return on assets | 0.7458% | 3,776 |
| Return on Equity (ROE) | 6.7642% | 3,297 |
| Retained earnings to average equity (ytd only) | 2.6059% | 3,548 |
| Net charge-offs to loans | -0.0418% | 4,631 |
| Credit loss provision to net charge-offs | 266.6667% | 1,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2182% | 399 |
| Assets per employee ($millions) | 6.1765% | 2,186 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 74.1176% | 1,009 |
| Net loans and leases to deposits | 87.7618% | 1,115 |
| Net loans and leases to core deposits | 89.6875% | 1,552 |
| Total domestic deposits to total assets | 84.4532% | 2,963 |
| Equity capital to assets | 11.2179% | 2,086 |
| Core capital (leverage) ratio | 11.2346% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0492% | 1,511 |
| Memoranda: | ||
| Average total assets | $49,072,800 | 4,668 |
| Average earning assets | $47,275,400 | 4,633 |
| Average equity | $5,410,800 | 4,703 |
| Average total loans | $35,892,200 | 4,391 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,253 |
| Cost of funding earning assets | 0.7545% | 1,711 |
| Net interest margin | 3.8655% | 1,434 |
| Noninterest income to average assets | 0.2885% | 3,758 |
| Noninterest expense to average assets | 3.5681% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4436% | 4,179 |
| Return on assets (ROA) | 0.7566% | 3,375 |
| Pretax return on assets | 0.7566% | 3,760 |
| Return on Equity (ROE) | 6.8924% | 3,239 |
| Retained earnings to average equity (ytd only) | 1.3140% | 4,147 |
| Net charge-offs to loans | -0.0449% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9417% | 390 |
| Assets per employee ($millions) | 6.0546% | 2,218 |
| Cash dividends to net income (ytd only)* | 80.9353% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 3,257 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.5373% | 1,153 |
| Net loans and leases to deposits | 89.9012% | 1,276 |
| Net loans and leases to core deposits | 91.5158% | 1,840 |
| Total domestic deposits to total assets | 84.0225% | 2,814 |
| Equity capital to assets | 11.3426% | 2,119 |
| Core capital (leverage) ratio | 11.1430% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6734% | 1,601 |
| Memoranda: | ||
| Average total assets | $48,988,000 | 4,687 |
| Average earning assets | $47,185,500 | 4,650 |
| Average equity | $5,377,750 | 4,728 |
| Average total loans | $35,602,000 | 4,424 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 1,631 |
| Cost of funding earning assets | 0.7886% | 1,882 |
| Net interest margin | 3.8207% | 1,775 |
| Noninterest income to average assets | 0.3254% | 3,517 |
| Noninterest expense to average assets | 3.5346% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4759% | 4,072 |
| Return on assets (ROA) | 0.7159% | 3,450 |
| Pretax return on assets | 0.7159% | 3,835 |
| Return on Equity (ROE) | 6.5930% | 3,292 |
| Retained earnings to average equity (ytd only) | -1.8355% | 4,574 |
| Net charge-offs to loans | -0.0456% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1339% | 447 |
| Assets per employee ($millions) | 5.6406% | 2,501 |
| Cash dividends to net income (ytd only)* | 127.8409% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.4757% | 1,957 |
| Net loans and leases to deposits | 82.8478% | 2,106 |
| Net loans and leases to core deposits | 84.8198% | 2,539 |
| Total domestic deposits to total assets | 85.0665% | 2,369 |
| Equity capital to assets | 10.5466% | 2,711 |
| Core capital (leverage) ratio | 10.8163% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0474% | 1,796 |
| Memoranda: | ||
| Average total assets | $49,171,667 | 4,701 |
| Average earning assets | $47,426,333 | 4,664 |
| Average equity | $5,339,000 | 4,762 |
| Average total loans | $35,117,667 | 4,455 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 1,549 |
| Cost of funding earning assets | 0.8223% | 2,264 |
| Net interest margin | 3.9317% | 1,572 |
| Noninterest income to average assets | 0.1654% | 4,543 |
| Noninterest expense to average assets | 3.7540% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2067% | 4,515 |
| Return on assets (ROA) | 0.6615% | 3,464 |
| Pretax return on assets | 0.6615% | 3,789 |
| Return on Equity (ROE) | 6.0021% | 3,315 |
| Retained earnings to average equity (ytd only) | -10.8787% | 4,794 |
| Net charge-offs to loans | -0.0347% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7808% | 355 |
| Assets per employee ($millions) | 5.3916% | 2,235 |
| Cash dividends to net income (ytd only)* | 281.2500% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 1,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.3409% | 2,349 |
| Net loans and leases to deposits | 81.9180% | 2,466 |
| Net loans and leases to core deposits | 85.4418% | 2,722 |
| Total domestic deposits to total assets | 84.6468% | 2,547 |
| Equity capital to assets | 10.8256% | 3,022 |
| Core capital (leverage) ratio | 10.9565% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9798% | 1,913 |
| Memoranda: | ||
| Average total assets | $48,375,000 | 4,736 |
| Average earning assets | $46,697,500 | 4,697 |
| Average equity | $5,331,500 | 4,799 |
| Average total loans | $34,556,500 | 4,486 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 2,012 |
| Cost of funding earning assets | 0.8615% | 2,372 |
| Net interest margin | 3.9498% | 1,999 |
| Noninterest income to average assets | 0.1175% | 4,867 |
| Noninterest expense to average assets | 3.0330% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8845% | 3,272 |
| Return on assets (ROA) | 1.1567% | 2,324 |
| Pretax return on assets | 1.1567% | 2,989 |
| Return on Equity (ROE) | 11.0953% | 1,846 |
| Retained earnings to average equity (ytd only) | 11.0953% | 323 |
| Net charge-offs to loans | -0.0567% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4211% | 1,219 |
| Assets per employee ($millions) | 4.8226% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 1,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.6481% | 2,139 |
| Net loans and leases to deposits | 84.9761% | 2,207 |
| Net loans and leases to core deposits | 88.6520% | 2,548 |
| Total domestic deposits to total assets | 84.3155% | 2,746 |
| Equity capital to assets | 11.2180% | 2,798 |
| Core capital (leverage) ratio | 11.1490% | 2,376 |
| Tier 1 risk-based capital ratio | 13.8529% | 3,337 |
| Total risk-based capital ratio | 15.0075% | 3,292 |
| Memoranda: | ||
| Average total assets | $48,500,600 | 4,775 |
| Average earning assets | $46,660,800 | 4,734 |
| Average equity | $5,056,200 | 4,873 |
| Average total loans | $33,499,600 | 4,566 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 2,154 |
| Cost of funding earning assets | 0.8678% | 2,374 |
| Net interest margin | 3.9222% | 2,186 |
| Noninterest income to average assets | 0.0961% | 5,004 |
| Noninterest expense to average assets | 3.1130% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7549% | 3,836 |
| Return on assets (ROA) | 1.0624% | 2,808 |
| Pretax return on assets | 1.0624% | 3,403 |
| Return on Equity (ROE) | 10.3868% | 2,254 |
| Retained earnings to average equity (ytd only) | 10.3868% | 656 |
| Net charge-offs to loans | -0.0604% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4826% | 877 |
| Assets per employee ($millions) | 5.3016% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 1,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.7848% | 2,657 |
| Net loans and leases to deposits | 81.7109% | 2,722 |
| Net loans and leases to core deposits | 84.6247% | 3,034 |
| Total domestic deposits to total assets | 84.1807% | 2,757 |
| Equity capital to assets | 11.0974% | 3,013 |
| Core capital (leverage) ratio | 11.0001% | 2,640 |
| Tier 1 risk-based capital ratio | 12.9792% | 3,861 |
| Total risk-based capital ratio | 14.0868% | 3,834 |
| Memoranda: | ||
| Average total assets | $48,569,250 | 4,839 |
| Average earning assets | $46,707,000 | 4,803 |
| Average equity | $4,967,750 | 4,953 |
| Average total loans | $33,122,500 | 4,636 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 2,368 |
| Cost of funding earning assets | 0.8763% | 2,267 |
| Net interest margin | 3.8201% | 2,518 |
| Noninterest income to average assets | 0.0368% | 5,190 |
| Noninterest expense to average assets | 3.0417% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6714% | 4,098 |
| Return on assets (ROA) | 0.8843% | 3,408 |
| Pretax return on assets | 0.8843% | 3,892 |
| Return on Equity (ROE) | 8.8913% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.8913% | 1,063 |
| Net charge-offs to loans | -0.0665% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9184% | 805 |
| Assets per employee ($millions) | 5.4596% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 64.0488% | 3,334 |
| Net loans and leases to deposits | 75.3111% | 3,389 |
| Net loans and leases to core deposits | 82.7792% | 3,220 |
| Total domestic deposits to total assets | 85.0456% | 2,455 |
| Equity capital to assets | 10.4424% | 3,570 |
| Core capital (leverage) ratio | 10.4263% | 3,166 |
| Tier 1 risk-based capital ratio | 12.6562% | 4,042 |
| Total risk-based capital ratio | 13.7625% | 4,008 |
| Memoranda: | ||
| Average total assets | $48,854,330 | 4,873 |
| Average earning assets | $47,015,000 | 4,834 |
| Average equity | $4,858,670 | 5,004 |
| Average total loans | $33,073,000 | 4,674 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 2,920 |
| Cost of funding earning assets | 0.8628% | 2,196 |
| Net interest margin | 3.6219% | 3,173 |
| Noninterest income to average assets | 0.2628% | 4,128 |
| Noninterest expense to average assets | 3.1860% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5584% | 4,366 |
| Return on assets (ROA) | 0.6405% | 4,158 |
| Pretax return on assets | 0.6405% | 4,438 |
| Return on Equity (ROE) | 6.6067% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.6067% | 2,193 |
| Net charge-offs to loans | -0.0832% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0877% | 639 |
| Assets per employee ($millions) | 5.5146% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 2,846 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 67.5626% | 2,822 |
| Net loans and leases to deposits | 78.7284% | 2,976 |
| Net loans and leases to core deposits | 86.3693% | 2,842 |
| Total domestic deposits to total assets | 85.8173% | 2,353 |
| Equity capital to assets | 9.7903% | 4,015 |
| Core capital (leverage) ratio | 10.2242% | 3,356 |
| Tier 1 risk-based capital ratio | 13.8797% | 3,403 |
| Total risk-based capital ratio | 15.1153% | 3,324 |
| Memoranda: | ||
| Average total assets | $48,713,500 | 4,925 |
| Average earning assets | $46,826,500 | 4,890 |
| Average equity | $4,722,500 | 5,057 |
| Average total loans | $33,650,500 | 4,709 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 1,561 |
| Cost of funding earning assets | 0.6687% | 2,276 |
| Net interest margin | 4.1239% | 1,605 |
| Noninterest income to average assets | -0.3142% | 5,390 |
| Noninterest expense to average assets | 3.5507% | 930 |
| Loan and lease loss provision to assets | -0.1581% | 5,308 |
| Net operating income to assets | 0.1940% | 5,113 |
| Return on assets (ROA) | 0.1898% | 5,113 |
| Pretax return on assets | 0.1898% | 5,122 |
| Return on Equity (ROE) | 2.0137% | 5,042 |
| Retained earnings to average equity (ytd only) | -0.8055% | 5,071 |
| Net charge-offs to loans | 0.0861% | 1,919 |
| Credit loss provision to net charge-offs | -258.6207% | 4,515 |
| Earnings coverage of net charge-offs (x) | 0.5862% | 3,685 |
| Efficiency ratio | 99.0006% | 157 |
| Assets per employee ($millions) | 5.3107% | 2,136 |
| Cash dividends to net income (ytd only)* | 140.0000% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 2,755 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.8133% | 2,762 |
| Net loans and leases to deposits | 80.0497% | 2,951 |
| Net loans and leases to core deposits | 85.6109% | 2,942 |
| Total domestic deposits to total assets | 85.9633% | 2,250 |
| Equity capital to assets | 9.5949% | 4,051 |
| Core capital (leverage) ratio | 10.1422% | 3,410 |
| Tier 1 risk-based capital ratio | 13.8937% | 3,334 |
| Total risk-based capital ratio | 15.1297% | 3,273 |
| Memoranda: | ||
| Average total assets | $47,427,800 | 4,987 |
| Average earning assets | $44,860,600 | 4,958 |
| Average equity | $4,469,400 | 5,112 |
| Average total loans | $33,664,400 | 4,727 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 1,379 |
| Cost of funding earning assets | 0.5888% | 2,555 |
| Net interest margin | 4.2294% | 1,287 |
| Noninterest income to average assets | -0.4056% | 5,464 |
| Noninterest expense to average assets | 3.6194% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.0394% | 5,314 |
| Return on assets (ROA) | -0.0394% | 5,309 |
| Pretax return on assets | -0.0394% | 5,308 |
| Return on Equity (ROE) | -0.4205% | 5,315 |
| Retained earnings to average equity (ytd only) | -4.2038% | 5,291 |
| Net charge-offs to loans | 0.1225% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -0.4517% | 3,429 |
| Efficiency ratio | 101.1015% | 136 |
| Assets per employee ($millions) | 4.7142% | 2,829 |
| Cash dividends to net income (ytd only)* | -899.8393% | 5,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,470 |
| Loan loss allowance to noncurrent loans | 484.7619% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0564% | 1,364 |
| Noncurrent loans to loans | 0.3024% | 3,595 |
| Net loans and leases to total assets | 72.5637% | 2,239 |
| Net loans and leases to deposits | 84.3455% | 2,557 |
| Net loans and leases to core deposits | 90.2824% | 2,637 |
| Total domestic deposits to total assets | 86.0316% | 2,175 |
| Equity capital to assets | 9.2911% | 4,289 |
| Core capital (leverage) ratio | 10.2151% | 3,387 |
| Tier 1 risk-based capital ratio | 13.1372% | 3,826 |
| Total risk-based capital ratio | 14.3890% | 3,733 |
| Memoranda: | ||
| Average total assets | $47,335,750 | 5,042 |
| Average earning assets | $44,607,500 | 5,019 |
| Average equity | $4,440,250 | 5,182 |
| Average total loans | $33,749,000 | 4,775 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 1,462 |
| Cost of funding earning assets | 0.5885% | 2,308 |
| Net interest margin | 4.1285% | 1,473 |
| Noninterest income to average assets | -0.8228% | 5,536 |
| Noninterest expense to average assets | 3.5738% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.5190% | 5,446 |
| Return on assets (ROA) | -0.5190% | 5,439 |
| Pretax return on assets | -0.5190% | 5,438 |
| Return on Equity (ROE) | -5.5153% | 5,445 |
| Retained earnings to average equity (ytd only) | -11.1651% | 5,431 |
| Net charge-offs to loans | 0.2094% | 755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -3.5143% | 3,164 |
| Efficiency ratio | 116.9890% | 71 |
| Assets per employee ($millions) | 4.6623% | 2,869 |
| Cash dividends to net income (ytd only)* | -102.4390% | 5,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 1,646 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.5408% | 2,643 |
| Net loans and leases to deposits | 78.9548% | 3,058 |
| Net loans and leases to core deposits | 83.7778% | 3,099 |
| Total domestic deposits to total assets | 88.0767% | 1,338 |
| Equity capital to assets | 9.3323% | 4,257 |
| Core capital (leverage) ratio | 9.7097% | 3,870 |
| Tier 1 risk-based capital ratio | 12.5281% | 4,169 |
| Total risk-based capital ratio | 13.7793% | 4,062 |
| Memoranda: | ||
| Average total assets | $47,400,330 | 5,100 |
| Average earning assets | $44,519,330 | 5,080 |
| Average equity | $4,460,330 | 5,238 |
| Average total loans | $33,426,330 | 4,825 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 1,392 |
| Cost of funding earning assets | 0.5922% | 2,104 |
| Net interest margin | 4.0739% | 1,506 |
| Noninterest income to average assets | -2.0339% | 5,604 |
| Noninterest expense to average assets | 3.6996% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.9335% | 5,568 |
| Return on assets (ROA) | -1.9335% | 5,565 |
| Pretax return on assets | -1.9335% | 5,564 |
| Return on Equity (ROE) | -20.4651% | 5,574 |
| Retained earnings to average equity (ytd only) | -30.0332% | 5,553 |
| Net charge-offs to loans | 0.4514% | 338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -6.0789% | 2,690 |
| Efficiency ratio | 209.4787% | 14 |
| Assets per employee ($millions) | 4.6856% | 2,876 |
| Cash dividends to net income (ytd only)* | -46.7532% | 5,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1245% | 246 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 69.5791% | 2,550 |
| Net loans and leases to deposits | 78.6614% | 2,946 |
| Net loans and leases to core deposits | 82.6602% | 3,089 |
| Total domestic deposits to total assets | 88.4540% | 1,374 |
| Equity capital to assets | 9.0554% | 4,498 |
| Core capital (leverage) ratio | 9.5925% | 3,968 |
| Tier 1 risk-based capital ratio | 12.5390% | 4,215 |
| Total risk-based capital ratio | 13.7905% | 4,118 |
| Memoranda: | ||
| Average total assets | $47,789,000 | 5,148 |
| Average earning assets | $44,576,000 | 5,142 |
| Average equity | $4,515,000 | 5,285 |
| Average total loans | $33,676,000 | 4,873 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 1,596 |
| Cost of funding earning assets | 0.5931% | 1,652 |
| Net interest margin | 3.9433% | 1,943 |
| Noninterest income to average assets | 0.4704% | 3,188 |
| Noninterest expense to average assets | 3.5046% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6618% | 3,773 |
| Return on assets (ROA) | 0.6618% | 3,812 |
| Pretax return on assets | 0.6618% | 4,601 |
| Return on Equity (ROE) | 7.1501% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.1501% | 1,021 |
| Net charge-offs to loans | -0.1029% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1153% | 758 |
| Assets per employee ($millions) | 4.8722% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,195 |
| Loan loss allowance to noncurrent loans | 75.5245% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 4.0680% | 143 |
| Noncurrent loans to loans | 2.0877% | 717 |
| Net loans and leases to total assets | 69.1844% | 2,648 |
| Net loans and leases to deposits | 78.8620% | 3,026 |
| Net loans and leases to core deposits | 83.7653% | 3,075 |
| Total domestic deposits to total assets | 87.7283% | 1,643 |
| Equity capital to assets | 9.8251% | 3,892 |
| Core capital (leverage) ratio | 10.1533% | 3,240 |
| Tier 1 risk-based capital ratio | 12.9121% | 3,961 |
| Total risk-based capital ratio | 14.1654% | 3,859 |
| Memoranda: | ||
| Average total assets | $49,106,600 | 5,174 |
| Average earning assets | $46,027,600 | 5,150 |
| Average equity | $4,545,400 | 5,342 |
| Average total loans | $34,002,200 | 4,900 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 1,609 |
| Cost of funding earning assets | 0.5893% | 1,610 |
| Net interest margin | 3.9231% | 1,962 |
| Noninterest income to average assets | 0.3685% | 3,891 |
| Noninterest expense to average assets | 3.6203% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4281% | 4,935 |
| Return on assets (ROA) | 0.4878% | 4,804 |
| Pretax return on assets | 0.4878% | 5,052 |
| Return on Equity (ROE) | 5.3509% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.3509% | 2,644 |
| Net charge-offs to loans | -0.1296% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4244% | 433 |
| Assets per employee ($millions) | 4.8758% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,403 |
| Loan loss allowance to noncurrent loans | 75.7746% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 4.0547% | 163 |
| Noncurrent loans to loans | 2.0266% | 837 |
| Net loans and leases to total assets | 70.7494% | 2,451 |
| Net loans and leases to deposits | 80.5454% | 2,914 |
| Net loans and leases to core deposits | 85.5365% | 3,005 |
| Total domestic deposits to total assets | 87.8379% | 1,449 |
| Equity capital to assets | 9.5472% | 4,397 |
| Core capital (leverage) ratio | 9.6443% | 3,992 |
| Tier 1 risk-based capital ratio | 11.9662% | 4,651 |
| Total risk-based capital ratio | 13.2175% | 4,522 |
| Memoranda: | ||
| Average total assets | $49,202,750 | 5,233 |
| Average earning assets | $46,152,250 | 5,201 |
| Average equity | $4,485,000 | 5,403 |
| Average total loans | $33,940,750 | 4,951 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 1,632 |
| Cost of funding earning assets | 0.5912% | 1,503 |
| Net interest margin | 3.8667% | 2,040 |
| Noninterest income to average assets | 0.4255% | 3,521 |
| Noninterest expense to average assets | 3.7203% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3364% | 5,135 |
| Return on assets (ROA) | 0.3850% | 5,038 |
| Pretax return on assets | 0.3850% | 5,200 |
| Return on Equity (ROE) | 4.2906% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.2906% | 3,152 |
| Net charge-offs to loans | -0.1847% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7083% | 375 |
| Assets per employee ($millions) | 5.4894% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 1,250 |
| Loan loss allowance to noncurrent loans | 1,786.6667% | 367 |
| Noncurrent assets plus other real estate owned to assets | 2.5564% | 414 |
| Noncurrent loans to loans | 0.0899% | 4,768 |
| Net loans and leases to total assets | 66.4771% | 3,035 |
| Net loans and leases to deposits | 75.3487% | 3,423 |
| Net loans and leases to core deposits | 79.9275% | 3,424 |
| Total domestic deposits to total assets | 88.2259% | 1,342 |
| Equity capital to assets | 9.2723% | 4,652 |
| Core capital (leverage) ratio | 9.4111% | 4,219 |
| Tier 1 risk-based capital ratio | 12.3310% | 4,400 |
| Total risk-based capital ratio | 13.5828% | 4,293 |
| Memoranda: | ||
| Average total assets | $49,351,000 | 5,264 |
| Average earning assets | $46,345,000 | 5,229 |
| Average equity | $4,428,330 | 5,454 |
| Average total loans | $33,576,330 | 4,991 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 1,554 |
| Cost of funding earning assets | 0.5960% | 1,400 |
| Net interest margin | 3.8350% | 2,002 |
| Noninterest income to average assets | 0.4136% | 3,570 |
| Noninterest expense to average assets | 3.8440% | 648 |
| Loan and lease loss provision to assets | 0.0081% | 3,451 |
| Net operating income to assets | 0.1622% | 5,446 |
| Return on assets (ROA) | 0.1703% | 5,445 |
| Pretax return on assets | 0.1703% | 5,464 |
| Return on Equity (ROE) | 1.9301% | 5,348 |
| Retained earnings to average equity (ytd only) | 1.9301% | 4,355 |
| Net charge-offs to loans | -0.0238% | 4,828 |
| Credit loss provision to net charge-offs | -50.0000% | 3,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7576% | 326 |
| Assets per employee ($millions) | 5.0178% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 1,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4573% | 477 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.6308% | 2,875 |
| Net loans and leases to deposits | 75.0112% | 3,302 |
| Net loans and leases to core deposits | 79.4572% | 3,343 |
| Total domestic deposits to total assets | 88.8278% | 1,238 |
| Equity capital to assets | 8.7708% | 5,022 |
| Core capital (leverage) ratio | 9.2594% | 4,400 |
| Tier 1 risk-based capital ratio | 11.9883% | 4,725 |
| Total risk-based capital ratio | 13.2377% | 4,621 |
| Memoranda: | ||
| Average total assets | $49,324,000 | 5,325 |
| Average earning assets | $46,310,500 | 5,289 |
| Average equity | $4,352,000 | 5,519 |
| Average total loans | $33,675,000 | 5,037 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 2,501 |
| Cost of funding earning assets | 0.5722% | 1,531 |
| Net interest margin | 3.6232% | 2,987 |
| Noninterest income to average assets | 0.3117% | 4,506 |
| Noninterest expense to average assets | 3.5773% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1409% | 5,507 |
| Return on assets (ROA) | 0.2204% | 5,444 |
| Pretax return on assets | 0.2204% | 5,476 |
| Return on Equity (ROE) | 2.4737% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.4737% | 4,109 |
| Net charge-offs to loans | 0.1691% | 1,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.2679% | 4,010 |
| Efficiency ratio | 96.2093% | 304 |
| Assets per employee ($millions) | 4.8470% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5562% | 463 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 67.8832% | 2,786 |
| Net loans and leases to deposits | 74.7609% | 3,442 |
| Net loans and leases to core deposits | 79.2442% | 3,458 |
| Total domestic deposits to total assets | 90.8005% | 345 |
| Equity capital to assets | 8.8777% | 4,938 |
| Core capital (leverage) ratio | 9.4242% | 4,191 |
| Tier 1 risk-based capital ratio | 12.4206% | 4,428 |
| Total risk-based capital ratio | 13.6726% | 4,314 |
| Memoranda: | ||
| Average total assets | $50,373,800 | 5,337 |
| Average earning assets | $47,361,800 | 5,301 |
| Average equity | $4,487,200 | 5,555 |
| Average total loans | $33,121,200 | 5,094 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 2,460 |
| Cost of funding earning assets | 0.5628% | 1,590 |
| Net interest margin | 3.6526% | 2,878 |
| Noninterest income to average assets | 0.2675% | 4,859 |
| Noninterest expense to average assets | 3.6709% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0341% | 5,694 |
| Return on assets (ROA) | 0.1390% | 5,627 |
| Pretax return on assets | 0.1390% | 5,640 |
| Return on Equity (ROE) | 1.5587% | 5,548 |
| Retained earnings to average equity (ytd only) | 1.5587% | 4,887 |
| Net charge-offs to loans | -0.0605% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0800% | 241 |
| Assets per employee ($millions) | 4.3573% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 1,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5850% | 518 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 65.9086% | 3,136 |
| Net loans and leases to deposits | 73.1436% | 3,680 |
| Net loans and leases to core deposits | 76.6692% | 3,776 |
| Total domestic deposits to total assets | 90.1085% | 445 |
| Equity capital to assets | 9.5034% | 4,657 |
| Core capital (leverage) ratio | 9.2085% | 4,575 |
| Tier 1 risk-based capital ratio | 12.9084% | 4,219 |
| Total risk-based capital ratio | 14.1605% | 4,130 |
| Memoranda: | ||
| Average total assets | $50,849,750 | 5,378 |
| Average earning assets | $47,855,250 | 5,345 |
| Average equity | $4,533,250 | 5,606 |
| Average total loans | $33,049,500 | 5,148 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0700% | 2,992 |
| Cost of funding earning assets | 0.5610% | 1,608 |
| Net interest margin | 3.5090% | 3,458 |
| Noninterest income to average assets | 0.1968% | 5,317 |
| Noninterest expense to average assets | 3.5235% | 1,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0193% | 5,777 |
| Return on assets (ROA) | 0.1158% | 5,698 |
| Pretax return on assets | 0.1158% | 5,708 |
| Return on Equity (ROE) | 1.3257% | 5,637 |
| Retained earnings to average equity (ytd only) | 1.3257% | 4,854 |
| Net charge-offs to loans | -0.0780% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5507% | 232 |
| Assets per employee ($millions) | 4.5509% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 1,118 |
| Loan loss allowance to noncurrent loans | 52.7574% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 4.6804% | 164 |
| Noncurrent loans to loans | 3.3703% | 400 |
| Net loans and leases to total assets | 63.3400% | 3,458 |
| Net loans and leases to deposits | 69.9539% | 3,986 |
| Net loans and leases to core deposits | 73.1543% | 4,064 |
| Total domestic deposits to total assets | 90.5453% | 303 |
| Equity capital to assets | 9.0971% | 5,164 |
| Core capital (leverage) ratio | 8.7158% | 5,152 |
| Tier 1 risk-based capital ratio | 12.9158% | 4,250 |
| Total risk-based capital ratio | 14.1696% | 4,163 |
| Memoranda: | ||
| Average total assets | $51,823,000 | 5,422 |
| Average earning assets | $48,845,330 | 5,379 |
| Average equity | $4,526,000 | 5,671 |
| Average total loans | $33,344,000 | 5,193 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,365 |
| Cost of funding earning assets | 0.5635% | 1,596 |
| Net interest margin | 3.3969% | 3,882 |
| Noninterest income to average assets | 0.3871% | 3,926 |
| Noninterest expense to average assets | 3.1345% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4554% | 4,809 |
| Return on assets (ROA) | 0.5616% | 4,463 |
| Pretax return on assets | 0.5616% | 4,918 |
| Return on Equity (ROE) | 6.5603% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.5603% | 2,101 |
| Net charge-offs to loans | -0.0708% | 5,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3150% | 866 |
| Assets per employee ($millions) | 4.4418% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 1,380 |
| Loan loss allowance to noncurrent loans | 52.1619% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 4.6002% | 188 |
| Noncurrent loans to loans | 3.2501% | 457 |
| Net loans and leases to total assets | 61.6825% | 3,569 |
| Net loans and leases to deposits | 67.7241% | 4,088 |
| Net loans and leases to core deposits | 70.6021% | 4,189 |
| Total domestic deposits to total assets | 91.0791% | 251 |
| Equity capital to assets | 8.5869% | 5,504 |
| Core capital (leverage) ratio | 8.5871% | 5,303 |
| Tier 1 risk-based capital ratio | 12.9372% | 4,305 |
| Total risk-based capital ratio | 14.1920% | 4,217 |
| Memoranda: | ||
| Average total assets | $52,704,500 | 5,457 |
| Average earning assets | $49,692,000 | 5,409 |
| Average equity | $4,512,000 | 5,715 |
| Average total loans | $33,875,000 | 5,217 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,660 |
| Cost of funding earning assets | 0.7382% | 676 |
| Net interest margin | 3.4323% | 3,786 |
| Noninterest income to average assets | 0.3062% | 4,694 |
| Noninterest expense to average assets | 2.9586% | 2,676 |
| Loan and lease loss provision to assets | 0.3134% | 527 |
| Net operating income to assets | 0.2651% | 5,446 |
| Return on assets (ROA) | 0.3224% | 5,375 |
| Pretax return on assets | 0.3224% | 5,474 |
| Return on Equity (ROE) | 4.1624% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.1624% | 3,034 |
| Net charge-offs to loans | 1.5058% | 102 |
| Credit loss provision to net charge-offs | 33.5249% | 3,608 |
| Earnings coverage of net charge-offs (x) | 0.6188% | 4,203 |
| Efficiency ratio | 83.6456% | 1,214 |
| Assets per employee ($millions) | 4.7370% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,508 |
| Loan loss allowance to noncurrent loans | 70.4774% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 4.1069% | 252 |
| Noncurrent loans to loans | 2.3204% | 828 |
| Net loans and leases to total assets | 64.7591% | 3,152 |
| Net loans and leases to deposits | 70.9459% | 3,818 |
| Net loans and leases to core deposits | 72.4291% | 4,092 |
| Total domestic deposits to total assets | 91.2795% | 217 |
| Equity capital to assets | 8.5344% | 5,536 |
| Core capital (leverage) ratio | 8.4587% | 5,469 |
| Tier 1 risk-based capital ratio | 11.5870% | 5,199 |
| Total risk-based capital ratio | 12.8405% | 5,106 |
| Memoranda: | ||
| Average total assets | $55,837,000 | 5,411 |
| Average earning assets | $52,560,000 | 5,368 |
| Average equity | $4,324,400 | 5,796 |
| Average total loans | $34,666,200 | 5,201 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 2,864 |
| Cost of funding earning assets | 0.7832% | 548 |
| Net interest margin | 3.3350% | 4,200 |
| Noninterest income to average assets | 0.2537% | 5,125 |
| Noninterest expense to average assets | 2.9898% | 2,554 |
| Loan and lease loss provision to assets | 0.4110% | 286 |
| Net operating income to assets | -0.0070% | 5,944 |
| Return on assets (ROA) | 0.0587% | 5,929 |
| Pretax return on assets | 0.0587% | 5,925 |
| Return on Equity (ROE) | 0.7762% | 5,888 |
| Retained earnings to average equity (ytd only) | 0.7762% | 5,382 |
| Net charge-offs to loans | 2.0331% | 55 |
| Credit loss provision to net charge-offs | 33.0189% | 3,246 |
| Earnings coverage of net charge-offs (x) | 0.3245% | 3,965 |
| Efficiency ratio | 88.0969% | 834 |
| Assets per employee ($millions) | 4.8800% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 1,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4944% | 700 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.3852% | 3,242 |
| Net loans and leases to deposits | 70.3023% | 3,949 |
| Net loans and leases to core deposits | 72.6306% | 4,133 |
| Total domestic deposits to total assets | 91.5835% | 146 |
| Equity capital to assets | 8.0328% | 5,945 |
| Core capital (leverage) ratio | 7.7588% | 5,995 |
| Tier 1 risk-based capital ratio | 11.1040% | 5,607 |
| Total risk-based capital ratio | 12.3560% | 5,494 |
| Memoranda: | ||
| Average total assets | $56,769,500 | 5,461 |
| Average earning assets | $53,452,500 | 5,419 |
| Average equity | $4,293,750 | 5,880 |
| Average total loans | $34,756,500 | 5,257 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,554 |
| Cost of funding earning assets | 0.7936% | 519 |
| Net interest margin | 3.1412% | 4,854 |
| Noninterest income to average assets | 0.3668% | 4,317 |
| Noninterest expense to average assets | 2.9897% | 2,583 |
| Loan and lease loss provision to assets | 0.6055% | 151 |
| Net operating income to assets | -0.2699% | 6,130 |
| Return on assets (ROA) | -0.2630% | 6,145 |
| Pretax return on assets | -0.2630% | 6,134 |
| Return on Equity (ROE) | -3.5450% | 6,166 |
| Retained earnings to average equity (ytd only) | -3.5450% | 5,947 |
| Net charge-offs to loans | 3.2624% | 33 |
| Credit loss provision to net charge-offs | 30.9735% | 2,916 |
| Earnings coverage of net charge-offs (x) | 0.1717% | 3,695 |
| Efficiency ratio | 89.9063% | 758 |
| Assets per employee ($millions) | 4.7234% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 2,115 |
| Loan loss allowance to noncurrent loans | 523.2323% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 2.7628% | 644 |
| Noncurrent loans to loans | 0.2944% | 4,626 |
| Net loans and leases to total assets | 58.4199% | 4,052 |
| Net loans and leases to deposits | 63.2821% | 4,597 |
| Net loans and leases to core deposits | 65.2319% | 4,713 |
| Total domestic deposits to total assets | 92.3166% | 99 |
| Equity capital to assets | 7.3411% | 6,139 |
| Core capital (leverage) ratio | 7.2653% | 6,143 |
| Tier 1 risk-based capital ratio | 10.3165% | 5,986 |
| Total risk-based capital ratio | 11.5662% | 5,935 |
| Memoranda: | ||
| Average total assets | $57,799,330 | 5,492 |
| Average earning assets | $54,437,330 | 5,452 |
| Average equity | $4,287,670 | 5,944 |
| Average total loans | $34,637,000 | 5,306 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 3,785 |
| Cost of funding earning assets | 0.7867% | 547 |
| Net interest margin | 3.0739% | 5,021 |
| Noninterest income to average assets | 0.3427% | 4,456 |
| Noninterest expense to average assets | 2.9473% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2879% | 5,455 |
| Return on assets (ROA) | 0.2947% | 5,537 |
| Pretax return on assets | 0.2947% | 5,660 |
| Return on Equity (ROE) | 3.9531% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.9531% | 3,623 |
| Net charge-offs to loans | 4.4052% | 21 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1085% | 3,101 |
| Efficiency ratio | 91.1017% | 774 |
| Assets per employee ($millions) | 5.3551% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 2,335 |
| Loan loss allowance to noncurrent loans | 89.3654% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 3.7195% | 426 |
| Noncurrent loans to loans | 1.7103% | 1,601 |
| Net loans and leases to total assets | 56.9840% | 4,090 |
| Net loans and leases to deposits | 61.7824% | 4,592 |
| Net loans and leases to core deposits | 63.5992% | 4,732 |
| Total domestic deposits to total assets | 92.2334% | 126 |
| Equity capital to assets | 7.4848% | 6,185 |
| Core capital (leverage) ratio | 7.3665% | 6,181 |
| Tier 1 risk-based capital ratio | 11.5785% | 5,505 |
| Total risk-based capital ratio | 12.8280% | 5,424 |
| Memoranda: | ||
| Average total assets | $58,358,500 | 5,533 |
| Average earning assets | $54,914,500 | 5,495 |
| Average equity | $4,351,000 | 5,982 |
| Average total loans | $35,140,000 | 5,323 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 2,517 |
| Cost of funding earning assets | 0.8998% | 390 |
| Net interest margin | 3.4235% | 4,092 |
| Noninterest income to average assets | 0.2036% | 5,643 |
| Noninterest expense to average assets | 3.1061% | 2,493 |
| Loan and lease loss provision to assets | 0.4925% | 314 |
| Net operating income to assets | -0.3218% | 6,247 |
| Return on assets (ROA) | -0.1986% | 6,204 |
| Pretax return on assets | -0.1986% | 6,190 |
| Return on Equity (ROE) | -2.7893% | 6,238 |
| Retained earnings to average equity (ytd only) | -2.7893% | 6,074 |
| Net charge-offs to loans | 1.9855% | 97 |
| Credit loss provision to net charge-offs | 39.5778% | 3,681 |
| Earnings coverage of net charge-offs (x) | 0.1372% | 4,691 |
| Efficiency ratio | 94.7896% | 556 |
| Assets per employee ($millions) | 4.8176% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5088% | 544 |
| Loan loss allowance to noncurrent loans | 194.8498% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 3.5876% | 511 |
| Noncurrent loans to loans | 1.2876% | 2,298 |
| Net loans and leases to total assets | 61.0334% | 3,633 |
| Net loans and leases to deposits | 66.1257% | 4,310 |
| Net loans and leases to core deposits | 68.0909% | 4,495 |
| Total domestic deposits to total assets | 92.2990% | 115 |
| Equity capital to assets | 7.4259% | 6,251 |
| Core capital (leverage) ratio | 7.5668% | 6,183 |
| Tier 1 risk-based capital ratio | 10.4551% | 6,123 |
| Total risk-based capital ratio | 11.6554% | 6,080 |
| Memoranda: | ||
| Average total assets | $60,912,600 | 5,526 |
| Average earning assets | $54,680,600 | 5,554 |
| Average equity | $4,338,000 | 6,023 |
| Average total loans | $38,177,200 | 5,248 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 2,241 |
| Cost of funding earning assets | 0.9283% | 346 |
| Net interest margin | 3.4672% | 3,953 |
| Noninterest income to average assets | 0.1707% | 5,901 |
| Noninterest expense to average assets | 3.0907% | 2,497 |
| Loan and lease loss provision to assets | 0.6484% | 200 |
| Net operating income to assets | -0.4928% | 6,367 |
| Return on assets (ROA) | -0.3523% | 6,329 |
| Pretax return on assets | -0.3523% | 6,316 |
| Return on Equity (ROE) | -4.9970% | 6,370 |
| Retained earnings to average equity (ytd only) | -4.9970% | 6,253 |
| Net charge-offs to loans | 2.8753% | 41 |
| Credit loss provision to net charge-offs | 35.9712% | 3,351 |
| Earnings coverage of net charge-offs (x) | 0.0863% | 4,437 |
| Efficiency ratio | 95.2064% | 534 |
| Assets per employee ($millions) | 4.3530% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4051% | 734 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 4.0291% | 486 |
| Noncurrent loans to loans | 2.0351% | 1,547 |
| Net loans and leases to total assets | 59.6600% | 3,854 |
| Net loans and leases to deposits | 64.8564% | 4,447 |
| Net loans and leases to core deposits | 66.8177% | 4,625 |
| Total domestic deposits to total assets | 91.9878% | 162 |
| Equity capital to assets | 7.6729% | 6,260 |
| Core capital (leverage) ratio | 7.4469% | 6,299 |
| Tier 1 risk-based capital ratio | 11.0297% | 5,978 |
| Total risk-based capital ratio | 12.2774% | 5,931 |
| Memoranda: | ||
| Average total assets | $61,688,000 | 5,572 |
| Average earning assets | $54,720,750 | 5,621 |
| Average equity | $4,349,250 | 6,081 |
| Average total loans | $38,673,500 | 5,280 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 1,924 |
| Cost of funding earning assets | 0.9398% | 334 |
| Net interest margin | 3.5313% | 3,650 |
| Noninterest income to average assets | 0.1893% | 5,825 |
| Noninterest expense to average assets | 2.7829% | 3,571 |
| Loan and lease loss provision to assets | 0.9466% | 114 |
| Net operating income to assets | -0.7888% | 6,502 |
| Return on assets (ROA) | -0.5837% | 6,458 |
| Pretax return on assets | -0.2524% | 6,340 |
| Return on Equity (ROE) | -8.5025% | 6,496 |
| Retained earnings to average equity (ytd only) | -8.5025% | 6,385 |
| Net charge-offs to loans | 3.9916% | 24 |
| Credit loss provision to net charge-offs | 37.5469% | 2,956 |
| Earnings coverage of net charge-offs (x) | 0.1940% | 4,096 |
| Efficiency ratio | 85.0530% | 1,375 |
| Assets per employee ($millions) | 6.0658% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2514% | 953 |
| Loan loss allowance to noncurrent loans | 177.6639% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 3.8066% | 589 |
| Noncurrent loans to loans | 1.2672% | 2,688 |
| Net loans and leases to total assets | 62.0561% | 3,394 |
| Net loans and leases to deposits | 67.0443% | 4,158 |
| Net loans and leases to core deposits | 68.9048% | 4,376 |
| Total domestic deposits to total assets | 92.5599% | 115 |
| Equity capital to assets | 7.1252% | 6,426 |
| Core capital (leverage) ratio | 7.0438% | 6,422 |
| Tier 1 risk-based capital ratio | 9.5967% | 6,481 |
| Total risk-based capital ratio | 10.8540% | 6,461 |
| Memoranda: | ||
| Average total assets | $63,387,670 | 5,575 |
| Average earning assets | $55,333,000 | 5,646 |
| Average equity | $4,351,670 | 6,124 |
| Average total loans | $40,033,670 | 5,275 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 1,889 |
| Cost of funding earning assets | 0.9632% | 316 |
| Net interest margin | 3.5104% | 3,644 |
| Noninterest income to average assets | 0.1421% | 6,124 |
| Noninterest expense to average assets | 3.4161% | 1,658 |
| Loan and lease loss provision to assets | 1.5752% | 57 |
| Net operating income to assets | -1.8100% | 6,649 |
| Return on assets (ROA) | -1.8100% | 6,645 |
| Pretax return on assets | -1.8100% | 6,629 |
| Return on Equity (ROE) | -26.8407% | 6,655 |
| Retained earnings to average equity (ytd only) | -26.8407% | 6,601 |
| Net charge-offs to loans | 7.2164% | 9 |
| Credit loss provision to net charge-offs | 34.6467% | 2,358 |
| Earnings coverage of net charge-offs (x) | -0.0516% | 3,435 |
| Efficiency ratio | 107.3786% | 306 |
| Assets per employee ($millions) | 5.3493% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3160% | 1,002 |
| Loan loss allowance to noncurrent loans | 97.6821% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 4.1796% | 547 |
| Noncurrent loans to loans | 2.3710% | 1,488 |
| Net loans and leases to total assets | 58.1490% | 3,822 |
| Net loans and leases to deposits | 62.4646% | 4,495 |
| Net loans and leases to core deposits | 64.3547% | 4,662 |
| Total domestic deposits to total assets | 93.0910% | 105 |
| Equity capital to assets | 6.5818% | 6,514 |
| Core capital (leverage) ratio | 6.4444% | 6,542 |
| Tier 1 risk-based capital ratio | 9.2761% | 6,580 |
| Total risk-based capital ratio | 10.4216% | 6,575 |
| Memoranda: | ||
| Average total assets | $64,752,500 | 5,601 |
| Average earning assets | $56,062,500 | 5,663 |
| Average equity | $4,366,500 | 6,167 |
| Average total loans | $40,796,000 | 5,287 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 1,714 |
| Cost of funding earning assets | 1.2012% | 174 |
| Net interest margin | 3.4496% | 4,101 |
| Noninterest income to average assets | 0.1615% | 6,123 |
| Noninterest expense to average assets | 2.6946% | 4,118 |
| Loan and lease loss provision to assets | 1.4186% | 105 |
| Net operating income to assets | -0.7929% | 6,568 |
| Return on assets (ROA) | -0.8133% | 6,569 |
| Pretax return on assets | -0.8133% | 6,558 |
| Return on Equity (ROE) | -11.3877% | 6,599 |
| Retained earnings to average equity (ytd only) | -11.3877% | 6,558 |
| Net charge-offs to loans | 2.1948% | 153 |
| Credit loss provision to net charge-offs | 96.9185% | 2,576 |
| Earnings coverage of net charge-offs (x) | 0.4274% | 4,940 |
| Efficiency ratio | 81.1569% | 1,995 |
| Assets per employee ($millions) | 4.6652% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1489% | 395 |
| Loan loss allowance to noncurrent loans | 51.1419% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 4.0895% | 639 |
| Noncurrent loans to loans | 6.1572% | 324 |
| Net loans and leases to total assets | 64.3272% | 2,985 |
| Net loans and leases to deposits | 69.2478% | 3,880 |
| Net loans and leases to core deposits | 71.4038% | 4,143 |
| Total domestic deposits to total assets | 92.8942% | 148 |
| Equity capital to assets | 6.9021% | 6,483 |
| Core capital (leverage) ratio | 6.8776% | 6,545 |
| Tier 1 risk-based capital ratio | 8.1608% | 6,691 |
| Total risk-based capital ratio | 9.3843% | 6,692 |
| Memoranda: | ||
| Average total assets | $68,731,200 | 5,517 |
| Average earning assets | $62,935,600 | 5,508 |
| Average equity | $4,908,800 | 6,088 |
| Average total loans | $45,835,400 | 5,121 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 1,748 |
| Cost of funding earning assets | 1.2604% | 152 |
| Net interest margin | 3.3893% | 4,322 |
| Noninterest income to average assets | 0.1590% | 6,234 |
| Noninterest expense to average assets | 2.3433% | 5,200 |
| Loan and lease loss provision to assets | 1.5712% | 76 |
| Net operating income to assets | -0.6227% | 6,633 |
| Return on assets (ROA) | -0.6591% | 6,651 |
| Pretax return on assets | -0.6591% | 6,635 |
| Return on Equity (ROE) | -9.1567% | 6,679 |
| Retained earnings to average equity (ytd only) | -9.1567% | 6,622 |
| Net charge-offs to loans | 1.1023% | 511 |
| Credit loss provision to net charge-offs | 213.5417% | 1,138 |
| Earnings coverage of net charge-offs (x) | 1.2890% | 4,407 |
| Efficiency ratio | 71.1874% | 3,572 |
| Assets per employee ($millions) | 5.2008% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0255% | 233 |
| Loan loss allowance to noncurrent loans | 54.8474% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 4.9505% | 564 |
| Noncurrent loans to loans | 7.3394% | 269 |
| Net loans and leases to total assets | 64.6384% | 2,894 |
| Net loans and leases to deposits | 69.6591% | 3,831 |
| Net loans and leases to core deposits | 71.7379% | 4,124 |
| Total domestic deposits to total assets | 92.7925% | 142 |
| Equity capital to assets | 7.0271% | 6,541 |
| Core capital (leverage) ratio | 6.8217% | 6,625 |
| Tier 1 risk-based capital ratio | 8.2329% | 6,756 |
| Total risk-based capital ratio | 9.4705% | 6,759 |
| Memoranda: | ||
| Average total assets | $69,585,750 | 5,547 |
| Average earning assets | $64,317,750 | 5,515 |
| Average equity | $5,009,000 | 6,133 |
| Average total loans | $46,449,250 | 5,137 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 2,737 |
| Cost of funding earning assets | 1.2981% | 141 |
| Net interest margin | 3.0577% | 5,402 |
| Noninterest income to average assets | 0.1708% | 6,189 |
| Noninterest expense to average assets | 2.3062% | 5,364 |
| Loan and lease loss provision to assets | 0.2135% | 1,769 |
| Net operating income to assets | 0.4812% | 4,877 |
| Return on assets (ROA) | 0.4812% | 5,058 |
| Pretax return on assets | 0.4812% | 5,435 |
| Return on Equity (ROE) | 6.6340% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.6340% | 2,072 |
| Net charge-offs to loans | 1.7068% | 286 |
| Credit loss provision to net charge-offs | 18.7970% | 3,752 |
| Earnings coverage of net charge-offs (x) | 0.6115% | 4,326 |
| Efficiency ratio | 76.8501% | 2,660 |
| Assets per employee ($millions) | 5.4434% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2552% | 1,327 |
| Loan loss allowance to noncurrent loans | 33.2816% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 4.5927% | 705 |
| Noncurrent loans to loans | 6.7761% | 371 |
| Net loans and leases to total assets | 65.7199% | 2,633 |
| Net loans and leases to deposits | 70.7122% | 3,623 |
| Net loans and leases to core deposits | 73.0010% | 3,928 |
| Total domestic deposits to total assets | 92.9399% | 126 |
| Equity capital to assets | 6.8495% | 6,634 |
| Core capital (leverage) ratio | 7.0294% | 6,606 |
| Tier 1 risk-based capital ratio | 9.0120% | 6,757 |
| Total risk-based capital ratio | 10.2709% | 6,762 |
| Memoranda: | ||
| Average total assets | $70,244,330 | 5,562 |
| Average earning assets | $65,016,000 | 5,529 |
| Average equity | $5,095,000 | 6,156 |
| Average total loans | $46,754,000 | 5,150 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 2,683 |
| Cost of funding earning assets | 1.3328% | 136 |
| Net interest margin | 3.0190% | 5,518 |
| Noninterest income to average assets | 0.1715% | 6,231 |
| Noninterest expense to average assets | 2.2176% | 5,642 |
| Loan and lease loss provision to assets | 0.1715% | 2,146 |
| Net operating income to assets | 0.5658% | 4,382 |
| Return on assets (ROA) | 0.5658% | 4,534 |
| Pretax return on assets | 0.5658% | 5,062 |
| Return on Equity (ROE) | 7.5877% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.5877% | 1,902 |
| Net charge-offs to loans | 2.8829% | 124 |
| Credit loss provision to net charge-offs | 8.9820% | 3,160 |
| Earnings coverage of net charge-offs (x) | 0.3862% | 3,685 |
| Efficiency ratio | 75.0484% | 3,092 |
| Assets per employee ($millions) | 5.5065% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3544% | 1,326 |
| Loan loss allowance to noncurrent loans | 68.0149% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.3846% | 1,950 |
| Noncurrent loans to loans | 3.4616% | 1,390 |
| Net loans and leases to total assets | 63.3233% | 2,827 |
| Net loans and leases to deposits | 68.5292% | 3,707 |
| Net loans and leases to core deposits | 70.7198% | 3,979 |
| Total domestic deposits to total assets | 92.4034% | 188 |
| Equity capital to assets | 7.3311% | 6,641 |
| Core capital (leverage) ratio | 6.8504% | 6,683 |
| Tier 1 risk-based capital ratio | 9.4376% | 6,769 |
| Total risk-based capital ratio | 10.6980% | 6,760 |
| Memoranda: | ||
| Average total assets | $69,984,500 | 5,626 |
| Average earning assets | $64,525,000 | 5,595 |
| Average equity | $5,219,000 | 6,182 |
| Average total loans | $46,341,500 | 5,210 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 841 |
| Cost of funding earning assets | 1.5014% | 163 |
| Net interest margin | 3.8405% | 3,060 |
| Noninterest income to average assets | 0.1886% | 6,055 |
| Noninterest expense to average assets | 2.5198% | 5,030 |
| Loan and lease loss provision to assets | 1.4662% | 221 |
| Net operating income to assets | -0.3787% | 6,503 |
| Return on assets (ROA) | -0.3758% | 6,544 |
| Pretax return on assets | -0.3758% | 6,516 |
| Return on Equity (ROE) | -4.4484% | 6,574 |
| Retained earnings to average equity (ytd only) | -9.7341% | 6,626 |
| Net charge-offs to loans | 0.4491% | 2,433 |
| Credit loss provision to net charge-offs | 478.3654% | 510 |
| Earnings coverage of net charge-offs (x) | 3.5481% | 3,687 |
| Efficiency ratio | 69.8529% | 3,848 |
| Assets per employee ($millions) | 5.6987% | 1,520 |
| Cash dividends to net income (ytd only)* | -118.8235% | 7,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0199% | 650 |
| Loan loss allowance to noncurrent loans | 3,880.5556% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 5,809 |
| Noncurrent loans to loans | 0.0778% | 6,291 |
| Net loans and leases to total assets | 65.6045% | 2,590 |
| Net loans and leases to deposits | 71.2518% | 3,529 |
| Net loans and leases to core deposits | 73.2720% | 3,880 |
| Total domestic deposits to total assets | 92.0742% | 236 |
| Equity capital to assets | 7.5895% | 6,598 |
| Core capital (leverage) ratio | 6.9349% | 6,723 |
| Tier 1 risk-based capital ratio | 9.4429% | 6,812 |
| Total risk-based capital ratio | 10.7109% | 6,804 |
| Memoranda: | ||
| Average total assets | $67,863,200 | 5,677 |
| Average earning assets | $60,409,200 | 5,731 |
| Average equity | $5,732,400 | 6,089 |
| Average total loans | $46,318,600 | 5,236 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4666% | 734 |
| Cost of funding earning assets | 1.5299% | 172 |
| Net interest margin | 3.9367% | 2,772 |
| Noninterest income to average assets | 0.1850% | 6,198 |
| Noninterest expense to average assets | 2.5098% | 5,051 |
| Loan and lease loss provision to assets | 0.2953% | 2,229 |
| Net operating income to assets | 0.8445% | 3,237 |
| Return on assets (ROA) | 0.8484% | 3,474 |
| Pretax return on assets | 0.8484% | 4,307 |
| Return on Equity (ROE) | 9.7929% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.5208% | 1,845 |
| Net charge-offs to loans | 0.4806% | 2,175 |
| Credit loss provision to net charge-offs | 89.8204% | 3,302 |
| Earnings coverage of net charge-offs (x) | 3.4671% | 3,631 |
| Efficiency ratio | 68.7702% | 3,917 |
| Assets per employee ($millions) | 5.3015% | 1,828 |
| Cash dividends to net income (ytd only)* | 23.2019% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 4,923 |
| Loan loss allowance to noncurrent loans | 624.2105% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 6,065 |
| Noncurrent loans to loans | 0.2043% | 6,098 |
| Net loans and leases to total assets | 66.6260% | 2,535 |
| Net loans and leases to deposits | 73.4512% | 3,373 |
| Net loans and leases to core deposits | 76.4128% | 3,677 |
| Total domestic deposits to total assets | 90.7079% | 516 |
| Equity capital to assets | 8.8713% | 5,955 |
| Core capital (leverage) ratio | 8.3038% | 6,003 |
| Tier 1 risk-based capital ratio | 10.9316% | 6,505 |
| Total risk-based capital ratio | 12.0656% | 6,534 |
| Memoranda: | ||
| Average total assets | $67,733,000 | 5,752 |
| Average earning assets | $59,609,000 | 5,824 |
| Average equity | $5,868,000 | 6,128 |
| Average total loans | $46,333,250 | 5,300 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 870 |
| Cost of funding earning assets | 1.5071% | 236 |
| Net interest margin | 3.8923% | 2,945 |
| Noninterest income to average assets | 0.1723% | 6,319 |
| Noninterest expense to average assets | 2.6048% | 4,765 |
| Loan and lease loss provision to assets | 0.2673% | 2,446 |
| Net operating income to assets | 0.7366% | 3,669 |
| Return on assets (ROA) | 0.7485% | 3,887 |
| Pretax return on assets | 0.7485% | 4,664 |
| Return on Equity (ROE) | 8.7107% | 2,934 |
| Retained earnings to average equity (ytd only) | 5.2541% | 3,121 |
| Net charge-offs to loans | 0.1988% | 3,393 |
| Credit loss provision to net charge-offs | 195.6522% | 1,450 |
| Earnings coverage of net charge-offs (x) | 7.3478% | 2,495 |
| Efficiency ratio | 72.1811% | 3,400 |
| Assets per employee ($millions) | 5.7971% | 1,374 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 4,566 |
| Loan loss allowance to noncurrent loans | 628.8462% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 6,203 |
| Noncurrent loans to loans | 0.2182% | 6,145 |
| Net loans and leases to total assets | 67.5843% | 2,348 |
| Net loans and leases to deposits | 74.1141% | 3,275 |
| Net loans and leases to core deposits | 77.9349% | 3,528 |
| Total domestic deposits to total assets | 91.1895% | 388 |
| Equity capital to assets | 8.4511% | 6,260 |
| Core capital (leverage) ratio | 8.0752% | 6,186 |
| Tier 1 risk-based capital ratio | 10.4232% | 6,723 |
| Total risk-based capital ratio | 11.6543% | 6,714 |
| Memoranda: | ||
| Average total assets | $67,337,670 | 5,802 |
| Average earning assets | $59,450,000 | 5,860 |
| Average equity | $5,786,000 | 6,177 |
| Average total loans | $46,274,000 | 5,333 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4030% | 902 |
| Cost of funding earning assets | 1.4692% | 331 |
| Net interest margin | 3.9337% | 2,794 |
| Noninterest income to average assets | 0.1933% | 6,227 |
| Noninterest expense to average assets | 2.5912% | 4,852 |
| Loan and lease loss provision to assets | 0.2718% | 2,285 |
| Net operating income to assets | 0.8396% | 3,201 |
| Return on assets (ROA) | 0.8396% | 3,440 |
| Pretax return on assets | 0.8396% | 4,268 |
| Return on Equity (ROE) | 9.6873% | 2,522 |
| Retained earnings to average equity (ytd only) | 9.6873% | 1,359 |
| Net charge-offs to loans | 0.0702% | 3,788 |
| Credit loss provision to net charge-offs | 562.5000% | 600 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,106 |
| Efficiency ratio | 69.9837% | 3,809 |
| Assets per employee ($millions) | 5.6563% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 4,734 |
| Loan loss allowance to noncurrent loans | 449.3056% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 6,124 |
| Noncurrent loans to loans | 0.3045% | 6,069 |
| Net loans and leases to total assets | 68.7234% | 1,985 |
| Net loans and leases to deposits | 75.3911% | 2,906 |
| Net loans and leases to core deposits | 80.0446% | 3,064 |
| Total domestic deposits to total assets | 91.1558% | 490 |
| Equity capital to assets | 8.5466% | 6,046 |
| Core capital (leverage) ratio | 8.3028% | 5,867 |
| Tier 1 risk-based capital ratio | 10.4875% | 6,742 |
| Total risk-based capital ratio | 11.7159% | 6,745 |
| Memoranda: | ||
| Average total assets | $66,224,000 | 5,879 |
| Average earning assets | $59,078,500 | 5,903 |
| Average equity | $5,739,500 | 6,214 |
| Average total loans | $45,576,500 | 5,390 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 1,380 |
| Cost of funding earning assets | 1.5813% | 509 |
| Net interest margin | 3.8324% | 3,660 |
| Noninterest income to average assets | 0.2802% | 5,524 |
| Noninterest expense to average assets | 2.7818% | 4,413 |
| Loan and lease loss provision to assets | 0.3267% | 3,071 |
| Net operating income to assets | 0.7135% | 3,423 |
| Return on assets (ROA) | 0.7135% | 3,604 |
| Pretax return on assets | 0.7135% | 4,277 |
| Return on Equity (ROE) | 7.6399% | 3,083 |
| Retained earnings to average equity (ytd only) | 3.2032% | 3,941 |
| Net charge-offs to loans | 0.2653% | 4,112 |
| Credit loss provision to net charge-offs | 179.2453% | 1,457 |
| Earnings coverage of net charge-offs (x) | 5.7075% | 2,705 |
| Efficiency ratio | 72.7845% | 3,431 |
| Assets per employee ($millions) | 4.9672% | 2,245 |
| Cash dividends to net income (ytd only)* | 58.0723% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 4,508 |
| Loan loss allowance to noncurrent loans | 753.0864% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 6,394 |
| Noncurrent loans to loans | 0.1847% | 6,376 |
| Net loans and leases to total assets | 66.9785% | 2,591 |
| Net loans and leases to deposits | 73.5932% | 3,562 |
| Net loans and leases to core deposits | 79.4540% | 3,515 |
| Total domestic deposits to total assets | 91.0117% | 504 |
| Equity capital to assets | 8.7931% | 5,804 |
| Core capital (leverage) ratio | 8.5547% | 5,473 |
| Tier 1 risk-based capital ratio | 10.5998% | 6,642 |
| Total risk-based capital ratio | 11.8005% | 6,643 |
| Memoranda: | ||
| Average total assets | $58,164,000 | 6,101 |
| Average earning assets | $53,752,800 | 6,054 |
| Average equity | $5,432,000 | 6,313 |
| Average total loans | $39,951,800 | 5,695 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3285% | 1,762 |
| Cost of funding earning assets | 1.5963% | 590 |
| Net interest margin | 3.7322% | 4,197 |
| Noninterest income to average assets | 0.3064% | 5,407 |
| Noninterest expense to average assets | 2.7839% | 4,403 |
| Loan and lease loss provision to assets | 0.3772% | 2,594 |
| Net operating income to assets | 0.6341% | 3,947 |
| Return on assets (ROA) | 0.6341% | 4,131 |
| Pretax return on assets | 0.6341% | 4,703 |
| Return on Equity (ROE) | 6.6783% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.1957% | 3,747 |
| Net charge-offs to loans | 0.3318% | 3,433 |
| Credit loss provision to net charge-offs | 164.9485% | 1,846 |
| Earnings coverage of net charge-offs (x) | 4.4227% | 3,075 |
| Efficiency ratio | 73.3540% | 3,305 |
| Assets per employee ($millions) | 4.6928% | 2,631 |
| Cash dividends to net income (ytd only)* | 37.1745% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 4,350 |
| Loan loss allowance to noncurrent loans | 503.4188% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 6,285 |
| Noncurrent loans to loans | 0.2871% | 6,278 |
| Net loans and leases to total assets | 65.8345% | 2,938 |
| Net loans and leases to deposits | 72.9083% | 3,819 |
| Net loans and leases to core deposits | 79.5859% | 3,700 |
| Total domestic deposits to total assets | 90.2977% | 721 |
| Equity capital to assets | 9.2188% | 5,481 |
| Core capital (leverage) ratio | 8.9568% | 5,001 |
| Tier 1 risk-based capital ratio | 11.5872% | 6,182 |
| Total risk-based capital ratio | 12.8383% | 6,172 |
| Memoranda: | ||
| Average total assets | $56,561,750 | 6,194 |
| Average earning assets | $52,872,000 | 6,135 |
| Average equity | $5,370,500 | 6,377 |
| Average total loans | $38,974,750 | 5,791 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 2,114 |
| Cost of funding earning assets | 1.5899% | 723 |
| Net interest margin | 3.6468% | 4,534 |
| Noninterest income to average assets | 0.2832% | 5,617 |
| Noninterest expense to average assets | 2.9157% | 3,963 |
| Loan and lease loss provision to assets | 0.2179% | 3,742 |
| Net operating income to assets | 0.5810% | 4,150 |
| Return on assets (ROA) | 0.5810% | 4,280 |
| Pretax return on assets | 0.5810% | 4,804 |
| Return on Equity (ROE) | 6.0537% | 3,939 |
| Retained earnings to average equity (ytd only) | 2.2701% | 4,842 |
| Net charge-offs to loans | 0.2241% | 3,778 |
| Credit loss provision to net charge-offs | 139.5349% | 2,181 |
| Earnings coverage of net charge-offs (x) | 5.1163% | 2,689 |
| Efficiency ratio | 78.4946% | 2,632 |
| Assets per employee ($millions) | 4.4572% | 2,916 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 4,955 |
| Loan loss allowance to noncurrent loans | 92.5043% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1425% | 4,604 |
| Noncurrent loans to loans | 1.4299% | 4,268 |
| Net loans and leases to total assets | 69.9135% | 2,237 |
| Net loans and leases to deposits | 77.4822% | 3,220 |
| Net loans and leases to core deposits | 84.3519% | 3,155 |
| Total domestic deposits to total assets | 90.2318% | 847 |
| Equity capital to assets | 9.3575% | 5,058 |
| Core capital (leverage) ratio | 9.2641% | 4,307 |
| Tier 1 risk-based capital ratio | 11.4495% | 6,203 |
| Total risk-based capital ratio | 12.6290% | 6,251 |
| Memoranda: | ||
| Average total assets | $55,080,330 | 6,292 |
| Average earning assets | $51,825,670 | 6,224 |
| Average equity | $5,286,000 | 6,438 |
| Average total loans | $38,382,330 | 5,873 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 2,573 |
| Cost of funding earning assets | 1.5995% | 817 |
| Net interest margin | 3.5172% | 4,930 |
| Noninterest income to average assets | 0.2759% | 5,696 |
| Noninterest expense to average assets | 2.8183% | 4,377 |
| Loan and lease loss provision to assets | 0.2237% | 3,420 |
| Net operating income to assets | 0.5294% | 4,353 |
| Return on assets (ROA) | 0.5294% | 4,439 |
| Pretax return on assets | 0.5294% | 4,927 |
| Return on Equity (ROE) | 5.4427% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.4427% | 2,941 |
| Net charge-offs to loans | 0.3239% | 2,763 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 3.3667% | 2,765 |
| Efficiency ratio | 78.9144% | 2,703 |
| Assets per employee ($millions) | 4.2637% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,855 |
| Loan loss allowance to noncurrent loans | 154.2522% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 5,424 |
| Noncurrent loans to loans | 0.8815% | 5,284 |
| Net loans and leases to total assets | 68.8425% | 2,368 |
| Net loans and leases to deposits | 76.3970% | 3,356 |
| Net loans and leases to core deposits | 82.7740% | 3,340 |
| Total domestic deposits to total assets | 90.1115% | 1,088 |
| Equity capital to assets | 9.5006% | 4,434 |
| Core capital (leverage) ratio | 9.5055% | 3,795 |
| Tier 1 risk-based capital ratio | 12.3049% | 5,433 |
| Total risk-based capital ratio | 13.5303% | 5,450 |
| Memoranda: | ||
| Average total assets | $53,649,000 | 6,386 |
| Average earning assets | $50,267,000 | 6,333 |
| Average equity | $5,218,000 | 6,477 |
| Average total loans | $37,047,000 | 5,988 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4781% | 2,363 |
| Cost of funding earning assets | 1.5240% | 2,506 |
| Net interest margin | 3.9541% | 3,245 |
| Noninterest income to average assets | 0.3769% | 5,083 |
| Noninterest expense to average assets | 2.9301% | 4,105 |
| Loan and lease loss provision to assets | 0.4248% | 3,563 |
| Net operating income to assets | 0.7015% | 3,226 |
| Return on assets (ROA) | 0.7015% | 3,351 |
| Pretax return on assets | 0.7015% | 3,970 |
| Return on Equity (ROE) | 6.1849% | 3,530 |
| Retained earnings to average equity (ytd only) | 1.0948% | 5,001 |
| Net charge-offs to loans | 0.2214% | 4,961 |
| Credit loss provision to net charge-offs | 278.5714% | 973 |
| Earnings coverage of net charge-offs (x) | 7.3857% | 2,142 |
| Efficiency ratio | 72.2342% | 3,743 |
| Assets per employee ($millions) | 4.3225% | 3,160 |
| Cash dividends to net income (ytd only)* | 82.2981% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 4,090 |
| Loan loss allowance to noncurrent loans | 320.7317% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 6,125 |
| Noncurrent loans to loans | 0.4631% | 6,119 |
| Net loans and leases to total assets | 67.2527% | 3,155 |
| Net loans and leases to deposits | 74.8793% | 4,049 |
| Net loans and leases to core deposits | 80.9806% | 4,064 |
| Total domestic deposits to total assets | 89.8149% | 1,202 |
| Equity capital to assets | 9.9672% | 3,785 |
| Core capital (leverage) ratio | 10.0252% | 3,065 |
| Tier 1 risk-based capital ratio | 13.1230% | 4,510 |
| Total risk-based capital ratio | 14.3746% | 4,467 |
| Memoranda: | ||
| Average total assets | $45,902,600 | 6,667 |
| Average earning assets | $42,715,600 | 6,623 |
| Average equity | $5,206,200 | 6,594 |
| Average total loans | $31,623,000 | 6,334 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4989% | 2,434 |
| Cost of funding earning assets | 1.4674% | 3,162 |
| Net interest margin | 4.0314% | 2,948 |
| Noninterest income to average assets | 0.3783% | 5,133 |
| Noninterest expense to average assets | 2.9722% | 3,847 |
| Loan and lease loss provision to assets | 0.4954% | 2,989 |
| Net operating income to assets | 0.6635% | 3,585 |
| Return on assets (ROA) | 0.6635% | 3,748 |
| Pretax return on assets | 0.6635% | 4,373 |
| Return on Equity (ROE) | 5.6500% | 3,981 |
| Retained earnings to average equity (ytd only) | 1.9430% | 4,984 |
| Net charge-offs to loans | 0.3912% | 3,723 |
| Credit loss provision to net charge-offs | 183.3333% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4.2888% | 3,119 |
| Efficiency ratio | 71.9477% | 3,707 |
| Assets per employee ($millions) | 4.1667% | 3,509 |
| Cash dividends to net income (ytd only)* | 65.6112% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 4,501 |
| Loan loss allowance to noncurrent loans | 150.6329% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 5,631 |
| Noncurrent loans to loans | 0.9246% | 5,390 |
| Net loans and leases to total assets | 67.4020% | 3,352 |
| Net loans and leases to deposits | 75.9647% | 4,183 |
| Net loans and leases to core deposits | 81.9696% | 4,253 |
| Total domestic deposits to total assets | 88.7280% | 1,546 |
| Equity capital to assets | 10.7340% | 3,246 |
| Core capital (leverage) ratio | 11.0864% | 2,200 |
| Tier 1 risk-based capital ratio | 13.9237% | 3,897 |
| Total risk-based capital ratio | 15.1747% | 3,854 |
| Memoranda: | ||
| Average total assets | $44,410,750 | 6,800 |
| Average earning assets | $41,340,750 | 6,748 |
| Average equity | $5,215,250 | 6,667 |
| Average total loans | $30,676,250 | 6,451 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 2,707 |
| Cost of funding earning assets | 1.4480% | 3,569 |
| Net interest margin | 4.0111% | 2,959 |
| Noninterest income to average assets | 0.3807% | 5,077 |
| Noninterest expense to average assets | 3.1071% | 3,285 |
| Loan and lease loss provision to assets | 0.3996% | 3,325 |
| Net operating income to assets | 0.6111% | 3,833 |
| Return on assets (ROA) | 0.6111% | 3,965 |
| Pretax return on assets | 0.6111% | 4,534 |
| Return on Equity (ROE) | 5.0342% | 4,272 |
| Retained earnings to average equity (ytd only) | -0.5809% | 5,870 |
| Net charge-offs to loans | 0.3728% | 3,495 |
| Credit loss provision to net charge-offs | 154.5455% | 2,544 |
| Earnings coverage of net charge-offs (x) | 3.9091% | 3,125 |
| Efficiency ratio | 75.4566% | 3,169 |
| Assets per employee ($millions) | 3.7166% | 4,417 |
| Cash dividends to net income (ytd only)* | 111.5385% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,727 |
| Loan loss allowance to noncurrent loans | 181.0924% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 5,702 |
| Noncurrent loans to loans | 0.7404% | 5,776 |
| Net loans and leases to total assets | 71.1115% | 2,627 |
| Net loans and leases to deposits | 83.4386% | 2,987 |
| Net loans and leases to core deposits | 88.4412% | 3,490 |
| Total domestic deposits to total assets | 85.2261% | 3,505 |
| Equity capital to assets | 11.6908% | 2,286 |
| Core capital (leverage) ratio | 11.7949% | 1,760 |
| Tier 1 risk-based capital ratio | 15.0464% | 3,133 |
| Total risk-based capital ratio | 16.2964% | 3,099 |
| Memoranda: | ||
| Average total assets | $42,547,670 | 6,917 |
| Average earning assets | $39,640,330 | 6,861 |
| Average equity | $5,164,670 | 6,722 |
| Average total loans | $29,509,330 | 6,555 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 3,968 |
| Cost of funding earning assets | 1.4424% | 3,923 |
| Net interest margin | 3.7669% | 3,930 |
| Noninterest income to average assets | 0.3468% | 5,363 |
| Noninterest expense to average assets | 3.1790% | 2,943 |
| Loan and lease loss provision to assets | 0.2890% | 3,711 |
| Net operating income to assets | 0.3757% | 4,947 |
| Return on assets (ROA) | 0.3757% | 5,074 |
| Pretax return on assets | 0.3757% | 5,359 |
| Return on Equity (ROE) | 3.0350% | 5,325 |
| Retained earnings to average equity (ytd only) | -8.2490% | 6,849 |
| Net charge-offs to loans | 0.9365% | 1,719 |
| Credit loss provision to net charge-offs | 45.4545% | 4,546 |
| Earnings coverage of net charge-offs (x) | 1.0455% | 4,142 |
| Efficiency ratio | 82.7068% | 2,174 |
| Assets per employee ($millions) | 3.4787% | 5,077 |
| Cash dividends to net income (ytd only)* | 371.7949% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 5,191 |
| Loan loss allowance to noncurrent loans | 168.9815% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 6,053 |
| Noncurrent loans to loans | 0.7418% | 5,836 |
| Net loans and leases to total assets | 68.8794% | 3,183 |
| Net loans and leases to deposits | 78.7516% | 3,889 |
| Net loans and leases to core deposits | 82.0085% | 4,485 |
| Total domestic deposits to total assets | 87.4641% | 2,379 |
| Equity capital to assets | 12.1862% | 1,941 |
| Core capital (leverage) ratio | 12.0665% | 1,619 |
| Tier 1 risk-based capital ratio | 15.6500% | 2,806 |
| Total risk-based capital ratio | 16.7814% | 2,798 |
| Memoranda: | ||
| Average total assets | $41,522,000 | 7,040 |
| Average earning assets | $38,546,500 | 7,000 |
| Average equity | $5,140,000 | 6,807 |
| Average total loans | $28,191,000 | 6,705 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4177% | 4,604 |
| Cost of funding earning assets | 1.7037% | 4,488 |
| Net interest margin | 3.7141% | 4,074 |
| Noninterest income to average assets | 0.4747% | 4,614 |
| Noninterest expense to average assets | 2.9361% | 4,405 |
| Loan and lease loss provision to assets | 0.2709% | 5,246 |
| Net operating income to assets | 0.7044% | 2,913 |
| Return on assets (ROA) | 0.7044% | 2,984 |
| Pretax return on assets | 0.7044% | 3,558 |
| Return on Equity (ROE) | 5.2591% | 3,555 |
| Retained earnings to average equity (ytd only) | -1.7723% | 5,456 |
| Net charge-offs to loans | 0.1532% | 5,735 |
| Credit loss provision to net charge-offs | 283.7838% | 1,186 |
| Earnings coverage of net charge-offs (x) | 10.2162% | 1,708 |
| Efficiency ratio | 75.0660% | 3,701 |
| Assets per employee ($millions) | 3.7545% | 4,384 |
| Cash dividends to net income (ytd only)* | 133.6996% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 3,891 |
| Loan loss allowance to noncurrent loans | 489.0244% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 6,965 |
| Noncurrent loans to loans | 0.3008% | 6,676 |
| Net loans and leases to total assets | 65.0436% | 4,366 |
| Net loans and leases to deposits | 76.1423% | 4,721 |
| Net loans and leases to core deposits | 91.1475% | 4,997 |
| Total domestic deposits to total assets | 85.4237% | 3,340 |
| Equity capital to assets | 12.5738% | 1,714 |
| Core capital (leverage) ratio | 12.8770% | 1,288 |
| Tier 1 risk-based capital ratio | 16.8091% | 2,202 |
| Total risk-based capital ratio | 18.0875% | 2,168 |
| Memoranda: | ||
| Average total assets | $38,758,800 | 7,141 |
| Average earning assets | $35,863,600 | 7,106 |
| Average equity | $5,191,000 | 6,876 |
| Average total loans | $24,152,800 | 6,964 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4232% | 4,833 |
| Cost of funding earning assets | 1.7674% | 4,537 |
| Net interest margin | 3.6558% | 4,251 |
| Noninterest income to average assets | 0.4791% | 4,676 |
| Noninterest expense to average assets | 2.7279% | 5,204 |
| Loan and lease loss provision to assets | 0.2868% | 4,679 |
| Net operating income to assets | 0.8498% | 2,619 |
| Return on assets (ROA) | 0.8498% | 2,686 |
| Pretax return on assets | 0.8498% | 3,378 |
| Return on Equity (ROE) | 6.2420% | 3,418 |
| Retained earnings to average equity (ytd only) | -0.8221% | 5,446 |
| Net charge-offs to loans | 0.1369% | 5,332 |
| Credit loss provision to net charge-offs | 341.6667% | 1,196 |
| Earnings coverage of net charge-offs (x) | 13.5413% | 1,672 |
| Efficiency ratio | 70.5882% | 4,484 |
| Assets per employee ($millions) | 4.3692% | 3,087 |
| Cash dividends to net income (ytd only)* | 113.1702% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 3,406 |
| Loan loss allowance to noncurrent loans | 204.7120% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 6,250 |
| Noncurrent loans to loans | 0.7353% | 5,840 |
| Net loans and leases to total assets | 65.0612% | 4,636 |
| Net loans and leases to deposits | 75.6274% | 5,104 |
| Net loans and leases to core deposits | 91.6989% | 5,258 |
| Total domestic deposits to total assets | 86.0285% | 2,698 |
| Equity capital to assets | 13.4171% | 1,531 |
| Core capital (leverage) ratio | 12.9293% | 1,396 |
| Tier 1 risk-based capital ratio | 17.8935% | 2,018 |
| Total risk-based capital ratio | 19.1736% | 1,961 |
| Memoranda: | ||
| Average total assets | $38,123,500 | 7,228 |
| Average earning assets | $35,304,000 | 7,193 |
| Average equity | $5,190,500 | 6,939 |
| Average total loans | $23,375,000 | 7,069 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3994% | 5,156 |
| Cost of funding earning assets | 1.7826% | 4,846 |
| Net interest margin | 3.6168% | 4,295 |
| Noninterest income to average assets | 0.4878% | 4,554 |
| Noninterest expense to average assets | 2.6933% | 5,410 |
| Loan and lease loss provision to assets | 0.3181% | 4,038 |
| Net operating income to assets | 0.8218% | 2,770 |
| Return on assets (ROA) | 0.8218% | 2,866 |
| Pretax return on assets | 0.8218% | 3,599 |
| Return on Equity (ROE) | 6.0054% | 3,644 |
| Retained earnings to average equity (ytd only) | -4.6494% | 6,247 |
| Net charge-offs to loans | 0.0711% | 5,514 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 26.8750% | 1,071 |
| Efficiency ratio | 70.2628% | 4,721 |
| Assets per employee ($millions) | 3.8385% | 4,001 |
| Cash dividends to net income (ytd only)* | 177.4194% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 2,902 |
| Loan loss allowance to noncurrent loans | 180.7512% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 6,034 |
| Noncurrent loans to loans | 0.8644% | 5,488 |
| Net loans and leases to total assets | 63.1914% | 5,145 |
| Net loans and leases to deposits | 75.6416% | 5,222 |
| Net loans and leases to core deposits | 86.4033% | 5,860 |
| Total domestic deposits to total assets | 83.5404% | 3,993 |
| Equity capital to assets | 13.4115% | 1,524 |
| Core capital (leverage) ratio | 13.4930% | 1,275 |
| Tier 1 risk-based capital ratio | 18.4375% | 1,891 |
| Total risk-based capital ratio | 19.7216% | 1,836 |
| Memoranda: | ||
| Average total assets | $37,723,670 | 7,302 |
| Average earning assets | $34,892,670 | 7,274 |
| Average equity | $5,162,000 | 7,008 |
| Average total loans | $22,508,330 | 7,180 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 6,153 |
| Cost of funding earning assets | 1.8208% | 5,020 |
| Net interest margin | 3.4212% | 5,049 |
| Noninterest income to average assets | 0.4386% | 4,887 |
| Noninterest expense to average assets | 2.8027% | 4,552 |
| Loan and lease loss provision to assets | 0.2353% | 4,099 |
| Net operating income to assets | 0.5563% | 4,194 |
| Return on assets (ROA) | 0.5563% | 4,377 |
| Pretax return on assets | 0.5563% | 4,893 |
| Return on Equity (ROE) | 4.0240% | 4,923 |
| Retained earnings to average equity (ytd only) | -17.2567% | 7,548 |
| Net charge-offs to loans | -0.0187% | 7,419 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9762% | 3,167 |
| Assets per employee ($millions) | 4.1633% | 3,333 |
| Cash dividends to net income (ytd only)* | 528.8462% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 2,439 |
| Loan loss allowance to noncurrent loans | 413.9535% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 6,836 |
| Noncurrent loans to loans | 0.3916% | 6,441 |
| Net loans and leases to total assets | 57.6568% | 6,000 |
| Net loans and leases to deposits | 66.9580% | 6,280 |
| Net loans and leases to core deposits | 76.1079% | 6,669 |
| Total domestic deposits to total assets | 86.1089% | 2,655 |
| Equity capital to assets | 13.4855% | 1,535 |
| Core capital (leverage) ratio | 13.3134% | 1,383 |
| Tier 1 risk-based capital ratio | 19.6157% | 1,693 |
| Total risk-based capital ratio | 20.8693% | 1,645 |
| Memoranda: | ||
| Average total assets | $37,393,000 | 7,354 |
| Average earning assets | $34,490,500 | 7,332 |
| Average equity | $5,169,000 | 7,061 |
| Average total loans | $21,442,000 | 7,279 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0661% | 5,224 |
| Cost of funding earning assets | 2.3594% | 4,896 |
| Net interest margin | 3.7068% | 4,444 |
| Noninterest income to average assets | 0.4626% | 4,942 |
| Noninterest expense to average assets | 2.5431% | 5,847 |
| Loan and lease loss provision to assets | 0.9533% | 1,547 |
| Net operating income to assets | 0.2989% | 5,546 |
| Return on assets (ROA) | 0.4318% | 4,845 |
| Pretax return on assets | 0.5439% | 4,867 |
| Return on Equity (ROE) | 2.9610% | 5,250 |
| Retained earnings to average equity (ytd only) | 0.5384% | 4,914 |
| Net charge-offs to loans | 2.3886% | 422 |
| Credit loss provision to net charge-offs | 70.5394% | 6,065 |
| Earnings coverage of net charge-offs (x) | 0.9834% | 5,637 |
| Efficiency ratio | 65.6770% | 5,194 |
| Assets per employee ($millions) | 4.1462% | 3,219 |
| Cash dividends to net income (ytd only)* | 81.8182% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 2,286 |
| Loan loss allowance to noncurrent loans | 167.3367% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5333% | 5,577 |
| Noncurrent loans to loans | 0.9511% | 4,700 |
| Net loans and leases to total assets | 55.1801% | 6,532 |
| Net loans and leases to deposits | 64.4799% | 6,758 |
| Net loans and leases to core deposits | 73.7817% | 6,983 |
| Total domestic deposits to total assets | 85.5772% | 2,595 |
| Equity capital to assets | 14.1628% | 1,382 |
| Core capital (leverage) ratio | 14.3813% | 1,169 |
| Tier 1 risk-based capital ratio | 22.5945% | 1,240 |
| Total risk-based capital ratio | 23.8866% | 1,207 |
| Memoranda: | ||
| Average total assets | $35,665,400 | 7,400 |
| Average earning assets | $32,805,000 | 7,380 |
| Average equity | $5,201,000 | 7,082 |
| Average total loans | $20,179,000 | 7,322 |