Home > State Savings Bank > Performance and Condition Ratios
State Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6879% | 942 |
| Cost of funding earning assets | 2.2269% | 612 |
| Net interest margin | 3.4610% | 2,272 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 1.3664% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5341% | 959 |
| Return on assets (ROA) | 1.5341% | 929 |
| Pretax return on assets | 2.0371% | 632 |
| Return on Equity (ROE) | 12.0300% | 1,947 |
| Retained earnings to average equity (ytd only) | 6.6747% | 1,999 |
| Net charge-offs to loans | -0.0237% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 40.1471% | 4,358 |
| Assets per employee ($millions) | 11.8317% | 429 |
| Cash dividends to net income (ytd only)* | 44.5351% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 451 |
| Loan loss allowance to noncurrent loans | 474.6835% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 1,803 |
| Noncurrent loans to loans | 0.4006% | 1,783 |
| Net loans and leases to total assets | 70.0700% | 1,801 |
| Net loans and leases to deposits | 89.0375% | 1,334 |
| Net loans and leases to core deposits | 108.9598% | 994 |
| Total domestic deposits to total assets | 78.7000% | 3,650 |
| Equity capital to assets | 12.6271% | 961 |
| Core capital (leverage) ratio | 13.2388% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $79,917,000 | 4,014 |
| Average earning assets | $77,057,800 | 3,958 |
| Average equity | $10,187,800 | 3,701 |
| Average total loans | $54,834,200 | 3,777 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5128% | 1,002 |
| Cost of funding earning assets | 2.0479% | 651 |
| Net interest margin | 3.4648% | 2,298 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.3116% | 4,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5894% | 954 |
| Return on assets (ROA) | 1.5894% | 950 |
| Pretax return on assets | 2.1113% | 644 |
| Return on Equity (ROE) | 12.4400% | 2,019 |
| Retained earnings to average equity (ytd only) | 12.4368% | 895 |
| Net charge-offs to loans | 0.0546% | 1,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 1,235 |
| Efficiency ratio | 38.3178% | 4,403 |
| Assets per employee ($millions) | 11.4060% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 415 |
| Loan loss allowance to noncurrent loans | 329.3051% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 1,401 |
| Noncurrent loans to loans | 0.5981% | 1,343 |
| Net loans and leases to total assets | 67.9500% | 2,046 |
| Net loans and leases to deposits | 79.4764% | 2,099 |
| Net loans and leases to core deposits | 97.2468% | 1,495 |
| Total domestic deposits to total assets | 85.5000% | 2,349 |
| Equity capital to assets | 13.3401% | 754 |
| Core capital (leverage) ratio | 13.5877% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $79,190,750 | 4,038 |
| Average earning assets | $76,693,000 | 3,976 |
| Average equity | $10,120,250 | 3,716 |
| Average total loans | $53,753,500 | 3,801 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3054% | 1,074 |
| Cost of funding earning assets | 1.8460% | 685 |
| Net interest margin | 3.4594% | 2,366 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 1.2941% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5904% | 962 |
| Return on assets (ROA) | 1.5904% | 963 |
| Pretax return on assets | 2.1197% | 603 |
| Return on Equity (ROE) | 12.6300% | 1,980 |
| Retained earnings to average equity (ytd only) | 12.6316% | 867 |
| Net charge-offs to loans | 0.0827% | 769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 38.0455% | 1,427 |
| Efficiency ratio | 37.9080% | 4,434 |
| Assets per employee ($millions) | 9.7991% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0452% | 387 |
| Loan loss allowance to noncurrent loans | 328.3133% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 1,263 |
| Noncurrent loans to loans | 0.6229% | 1,198 |
| Net loans and leases to total assets | 66.5900% | 2,096 |
| Net loans and leases to deposits | 77.6121% | 2,164 |
| Net loans and leases to core deposits | 96.9344% | 1,419 |
| Total domestic deposits to total assets | 85.8000% | 2,296 |
| Equity capital to assets | 13.1274% | 783 |
| Core capital (leverage) ratio | 13.4136% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $78,973,667 | 4,055 |
| Average earning assets | $76,488,000 | 3,997 |
| Average equity | $9,943,333 | 3,751 |
| Average total loans | $53,223,667 | 3,817 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0258% | 1,181 |
| Cost of funding earning assets | 1.6421% | 642 |
| Net interest margin | 3.3836% | 2,678 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.2868% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5240% | 1,133 |
| Return on assets (ROA) | 1.5240% | 1,114 |
| Pretax return on assets | 2.0337% | 729 |
| Return on Equity (ROE) | 12.3700% | 2,124 |
| Retained earnings to average equity (ytd only) | 12.3650% | 1,202 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.7538% | 4,474 |
| Assets per employee ($millions) | 11.3851% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1679% | 339 |
| Loan loss allowance to noncurrent loans | 115.8333% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2046% | 301 |
| Noncurrent loans to loans | 1.8716% | 316 |
| Net loans and leases to total assets | 62.9700% | 2,361 |
| Net loans and leases to deposits | 72.5876% | 2,417 |
| Net loans and leases to core deposits | 88.5653% | 1,703 |
| Total domestic deposits to total assets | 86.7500% | 2,357 |
| Equity capital to assets | 12.4950% | 876 |
| Core capital (leverage) ratio | 12.0534% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $79,264,000 | 4,106 |
| Average earning assets | $76,486,000 | 4,048 |
| Average equity | $9,769,500 | 3,813 |
| Average total loans | $53,188,000 | 3,859 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 1,483 |
| Cost of funding earning assets | 0.8445% | 334 |
| Net interest margin | 3.2520% | 2,700 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.3043% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4902% | 900 |
| Return on assets (ROA) | 1.4902% | 867 |
| Pretax return on assets | 1.9832% | 494 |
| Return on Equity (ROE) | 12.3100% | 2,032 |
| Retained earnings to average equity (ytd only) | 6.5643% | 2,424 |
| Net charge-offs to loans | -0.5988% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 39.6745% | 4,542 |
| Assets per employee ($millions) | 11.2617% | 473 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 417 |
| Loan loss allowance to noncurrent loans | 127.5229% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 371 |
| Noncurrent loans to loans | 1.5831% | 406 |
| Net loans and leases to total assets | 68.4600% | 1,793 |
| Net loans and leases to deposits | 85.4510% | 1,355 |
| Net loans and leases to core deposits | 103.1852% | 850 |
| Total domestic deposits to total assets | 80.1200% | 3,865 |
| Equity capital to assets | 12.1537% | 891 |
| Core capital (leverage) ratio | 12.9970% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $78,511,000 | 4,145 |
| Average earning assets | $75,431,400 | 4,097 |
| Average equity | $9,506,000 | 3,933 |
| Average total loans | $52,608,800 | 3,853 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 1,795 |
| Cost of funding earning assets | 0.7308% | 224 |
| Net interest margin | 3.0572% | 3,059 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.2427% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4280% | 1,013 |
| Return on assets (ROA) | 1.4280% | 982 |
| Pretax return on assets | 1.9023% | 581 |
| Return on Equity (ROE) | 11.8100% | 2,098 |
| Retained earnings to average equity (ytd only) | 11.8050% | 838 |
| Net charge-offs to loans | -0.8078% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.5135% | 4,585 |
| Assets per employee ($millions) | 10.9994% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1501% | 378 |
| Loan loss allowance to noncurrent loans | 117.0526% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 323 |
| Noncurrent loans to loans | 1.8368% | 341 |
| Net loans and leases to total assets | 65.7300% | 1,916 |
| Net loans and leases to deposits | 75.6288% | 1,910 |
| Net loans and leases to core deposits | 93.1543% | 1,139 |
| Total domestic deposits to total assets | 86.9100% | 2,792 |
| Equity capital to assets | 12.6799% | 735 |
| Core capital (leverage) ratio | 12.8217% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0857% | 847 |
| Memoranda: | ||
| Average total assets | $78,430,750 | 4,178 |
| Average earning assets | $75,535,500 | 4,123 |
| Average equity | $9,487,250 | 3,981 |
| Average total loans | $51,990,500 | 3,881 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5318% | 2,034 |
| Cost of funding earning assets | 0.6388% | 224 |
| Net interest margin | 2.8930% | 3,190 |
| Noninterest income to average assets | 0.2611% | 3,613 |
| Noninterest expense to average assets | 1.2141% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3712% | 977 |
| Return on assets (ROA) | 1.3712% | 957 |
| Pretax return on assets | 1.8249% | 560 |
| Return on Equity (ROE) | 11.5164% | 1,830 |
| Retained earnings to average equity (ytd only) | 11.5164% | 695 |
| Net charge-offs to loans | -1.2135% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9500% | 4,612 |
| Assets per employee ($millions) | 11.1877% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2308% | 366 |
| Loan loss allowance to noncurrent loans | 117.1579% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2131% | 347 |
| Noncurrent loans to loans | 1.9041% | 346 |
| Net loans and leases to total assets | 62.2877% | 2,092 |
| Net loans and leases to deposits | 71.1795% | 2,094 |
| Net loans and leases to core deposits | 83.9847% | 1,452 |
| Total domestic deposits to total assets | 87.5080% | 2,760 |
| Equity capital to assets | 12.2469% | 807 |
| Core capital (leverage) ratio | 12.3646% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8586% | 875 |
| Memoranda: | ||
| Average total assets | $78,909,000 | 4,215 |
| Average earning assets | $75,769,000 | 4,175 |
| Average equity | $9,395,333 | 4,060 |
| Average total loans | $52,081,000 | 3,924 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 1,806 |
| Cost of funding earning assets | 0.6374% | 211 |
| Net interest margin | 2.8630% | 2,945 |
| Noninterest income to average assets | 0.0606% | 4,634 |
| Noninterest expense to average assets | 1.1868% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1969% | 1,252 |
| Return on assets (ROA) | 1.1969% | 1,245 |
| Pretax return on assets | 1.5958% | 834 |
| Return on Equity (ROE) | 10.1963% | 1,887 |
| Retained earnings to average equity (ytd only) | 10.1963% | 975 |
| Net charge-offs to loans | -1.0907% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6497% | 4,591 |
| Assets per employee ($millions) | 11.9544% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 795 |
| Loan loss allowance to noncurrent loans | 98.0229% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1484% | 390 |
| Noncurrent loans to loans | 1.8996% | 393 |
| Net loans and leases to total assets | 59.3301% | 2,147 |
| Net loans and leases to deposits | 66.9851% | 2,245 |
| Net loans and leases to core deposits | 79.6458% | 1,509 |
| Total domestic deposits to total assets | 88.5721% | 2,268 |
| Equity capital to assets | 11.1865% | 1,243 |
| Core capital (leverage) ratio | 11.9461% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6826% | 1,107 |
| Memoranda: | ||
| Average total assets | $79,206,500 | 4,234 |
| Average earning assets | $75,304,500 | 4,200 |
| Average equity | $9,297,500 | 4,131 |
| Average total loans | $53,175,000 | 3,919 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 1,985 |
| Cost of funding earning assets | 0.8592% | 146 |
| Net interest margin | 2.8871% | 3,478 |
| Noninterest income to average assets | 0.0584% | 4,709 |
| Noninterest expense to average assets | 1.3976% | 4,625 |
| Loan and lease loss provision to assets | 0.0324% | 2,399 |
| Net operating income to assets | 1.0796% | 2,369 |
| Return on assets (ROA) | 1.0796% | 2,444 |
| Pretax return on assets | 1.4365% | 1,926 |
| Return on Equity (ROE) | 8.9954% | 2,912 |
| Retained earnings to average equity (ytd only) | 3.5787% | 3,392 |
| Net charge-offs to loans | 0.4043% | 205 |
| Credit loss provision to net charge-offs | 11.2108% | 2,304 |
| Earnings coverage of net charge-offs (x) | 5.0762% | 2,467 |
| Efficiency ratio | 48.7551% | 4,365 |
| Assets per employee ($millions) | 10.6760% | 554 |
| Cash dividends to net income (ytd only)* | 60.2163% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 1,806 |
| Loan loss allowance to noncurrent loans | 60.1056% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.7743% | 202 |
| Noncurrent loans to loans | 2.3780% | 290 |
| Net loans and leases to total assets | 73.5468% | 700 |
| Net loans and leases to deposits | 84.2009% | 896 |
| Net loans and leases to core deposits | 98.0484% | 610 |
| Total domestic deposits to total assets | 87.3468% | 2,363 |
| Equity capital to assets | 12.3562% | 1,105 |
| Core capital (leverage) ratio | 12.5923% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3719% | 1,420 |
| Memoranda: | ||
| Average total assets | $77,062,200 | 4,259 |
| Average earning assets | $74,953,800 | 4,198 |
| Average equity | $9,249,200 | 4,221 |
| Average total loans | $55,153,800 | 3,910 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 1,954 |
| Cost of funding earning assets | 0.9038% | 143 |
| Net interest margin | 2.9246% | 3,495 |
| Noninterest income to average assets | 0.0601% | 4,780 |
| Noninterest expense to average assets | 1.3360% | 4,721 |
| Loan and lease loss provision to assets | 0.0425% | 2,145 |
| Net operating income to assets | 1.1505% | 2,365 |
| Return on assets (ROA) | 1.1505% | 2,427 |
| Pretax return on assets | 1.5317% | 1,898 |
| Return on Equity (ROE) | 9.6543% | 2,860 |
| Retained earnings to average equity (ytd only) | 9.6543% | 1,432 |
| Net charge-offs to loans | 0.7806% | 94 |
| Credit loss provision to net charge-offs | 7.7640% | 2,027 |
| Earnings coverage of net charge-offs (x) | 2.8478% | 2,334 |
| Efficiency ratio | 45.8997% | 4,509 |
| Assets per employee ($millions) | 10.7444% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 2,036 |
| Loan loss allowance to noncurrent loans | 48.0716% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.9306% | 199 |
| Noncurrent loans to loans | 2.9050% | 234 |
| Net loans and leases to total assets | 65.5290% | 1,597 |
| Net loans and leases to deposits | 75.6160% | 1,706 |
| Net loans and leases to core deposits | 89.1197% | 1,086 |
| Total domestic deposits to total assets | 86.6602% | 2,486 |
| Equity capital to assets | 12.7441% | 1,075 |
| Core capital (leverage) ratio | 12.6320% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0940% | 1,111 |
| Memoranda: | ||
| Average total assets | $77,644,750 | 4,301 |
| Average earning assets | $75,676,750 | 4,242 |
| Average equity | $9,253,000 | 4,277 |
| Average total loans | $55,002,250 | 3,963 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 1,571 |
| Cost of funding earning assets | 0.9598% | 130 |
| Net interest margin | 3.0362% | 3,223 |
| Noninterest income to average assets | 0.0612% | 4,813 |
| Noninterest expense to average assets | 1.3689% | 4,748 |
| Loan and lease loss provision to assets | 0.0637% | 1,763 |
| Net operating income to assets | 1.1930% | 2,215 |
| Return on assets (ROA) | 1.1930% | 2,286 |
| Pretax return on assets | 1.5882% | 1,772 |
| Return on Equity (ROE) | 10.2381% | 2,666 |
| Retained earnings to average equity (ytd only) | 10.2381% | 1,329 |
| Net charge-offs to loans | 1.1363% | 66 |
| Credit loss provision to net charge-offs | 7.7640% | 1,780 |
| Earnings coverage of net charge-offs (x) | 2.0124% | 2,151 |
| Efficiency ratio | 45.3165% | 4,554 |
| Assets per employee ($millions) | 10.9377% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,471 |
| Loan loss allowance to noncurrent loans | 46.3172% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.9683% | 217 |
| Noncurrent loans to loans | 2.7926% | 272 |
| Net loans and leases to total assets | 69.5719% | 1,250 |
| Net loans and leases to deposits | 79.9421% | 1,431 |
| Net loans and leases to core deposits | 93.4427% | 931 |
| Total domestic deposits to total assets | 87.0278% | 2,303 |
| Equity capital to assets | 12.2551% | 1,244 |
| Core capital (leverage) ratio | 11.9463% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,456,000 | 4,315 |
| Average earning assets | $76,477,000 | 4,253 |
| Average equity | $9,142,333 | 4,312 |
| Average total loans | $56,675,333 | 3,961 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5231% | 2,851 |
| Cost of funding earning assets | 1.0326% | 115 |
| Net interest margin | 2.4906% | 4,315 |
| Noninterest income to average assets | 0.4131% | 3,023 |
| Noninterest expense to average assets | 1.4257% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0579% | 2,609 |
| Return on assets (ROA) | 1.0579% | 2,689 |
| Pretax return on assets | 1.4055% | 2,264 |
| Return on Equity (ROE) | 9.3106% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.3106% | 1,855 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3559% | 4,157 |
| Assets per employee ($millions) | 11.4401% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 981 |
| Loan loss allowance to noncurrent loans | 49.2818% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.5212% | 161 |
| Noncurrent loans to loans | 3.5075% | 189 |
| Net loans and leases to total assets | 70.6372% | 1,201 |
| Net loans and leases to deposits | 80.2847% | 1,495 |
| Net loans and leases to core deposits | 94.6095% | 943 |
| Total domestic deposits to total assets | 87.9834% | 1,852 |
| Equity capital to assets | 11.3960% | 1,606 |
| Core capital (leverage) ratio | 11.3918% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8958% | 1,602 |
| Memoranda: | ||
| Average total assets | $79,402,000 | 4,315 |
| Average earning assets | $77,090,500 | 4,262 |
| Average equity | $9,022,000 | 4,331 |
| Average total loans | $58,030,500 | 3,946 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 1,309 |
| Cost of funding earning assets | 1.5875% | 52 |
| Net interest margin | 2.9152% | 4,083 |
| Noninterest income to average assets | 0.1235% | 4,657 |
| Noninterest expense to average assets | 1.2661% | 4,881 |
| Loan and lease loss provision to assets | 0.4954% | 505 |
| Net operating income to assets | 0.8865% | 2,754 |
| Return on assets (ROA) | 0.8865% | 2,896 |
| Pretax return on assets | 1.1786% | 2,405 |
| Return on Equity (ROE) | 7.7140% | 2,923 |
| Retained earnings to average equity (ytd only) | 2.1160% | 3,776 |
| Net charge-offs to loans | 1.3948% | 76 |
| Credit loss provision to net charge-offs | 43.2099% | 3,175 |
| Earnings coverage of net charge-offs (x) | 1.4602% | 3,255 |
| Efficiency ratio | 43.0635% | 4,811 |
| Assets per employee ($millions) | 11.2461% | 382 |
| Cash dividends to net income (ytd only)* | 72.5689% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 1,032 |
| Loan loss allowance to noncurrent loans | 45.8103% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.7590% | 145 |
| Noncurrent loans to loans | 3.7129% | 167 |
| Net loans and leases to total assets | 73.0460% | 1,152 |
| Net loans and leases to deposits | 82.9006% | 1,558 |
| Net loans and leases to core deposits | 97.8708% | 1,014 |
| Total domestic deposits to total assets | 88.1127% | 1,423 |
| Equity capital to assets | 11.3283% | 2,002 |
| Core capital (leverage) ratio | 11.4990% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0632% | 1,833 |
| Memoranda: | ||
| Average total assets | $77,717,400 | 4,274 |
| Average earning assets | $75,088,800 | 4,220 |
| Average equity | $8,931,800 | 4,326 |
| Average total loans | $63,879,600 | 3,848 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 1,140 |
| Cost of funding earning assets | 1.6562% | 55 |
| Net interest margin | 3.0112% | 3,947 |
| Noninterest income to average assets | 0.1429% | 4,592 |
| Noninterest expense to average assets | 1.2255% | 4,932 |
| Loan and lease loss provision to assets | 0.6622% | 350 |
| Net operating income to assets | 0.8743% | 2,796 |
| Return on assets (ROA) | 0.8743% | 2,930 |
| Pretax return on assets | 1.1618% | 2,519 |
| Return on Equity (ROE) | 7.5803% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.5803% | 1,469 |
| Net charge-offs to loans | 1.8193% | 58 |
| Credit loss provision to net charge-offs | 43.2584% | 2,912 |
| Earnings coverage of net charge-offs (x) | 1.1910% | 3,087 |
| Efficiency ratio | 40.1806% | 4,888 |
| Assets per employee ($millions) | 10.9031% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,243 |
| Loan loss allowance to noncurrent loans | 42.2750% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 3.0869% | 142 |
| Noncurrent loans to loans | 3.6586% | 203 |
| Net loans and leases to total assets | 83.0691% | 357 |
| Net loans and leases to deposits | 95.3254% | 811 |
| Net loans and leases to core deposits | 112.7913% | 601 |
| Total domestic deposits to total assets | 87.1426% | 1,608 |
| Equity capital to assets | 12.1040% | 1,621 |
| Core capital (leverage) ratio | 11.9373% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2006% | 2,106 |
| Memoranda: | ||
| Average total assets | $77,466,000 | 4,281 |
| Average earning assets | $74,786,000 | 4,236 |
| Average equity | $8,935,250 | 4,334 |
| Average total loans | $65,224,750 | 3,842 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 1,532 |
| Cost of funding earning assets | 1.6887% | 80 |
| Net interest margin | 2.9631% | 4,203 |
| Noninterest income to average assets | 0.1875% | 4,339 |
| Noninterest expense to average assets | 1.2306% | 4,969 |
| Loan and lease loss provision to assets | 0.9891% | 210 |
| Net operating income to assets | 0.6808% | 3,461 |
| Return on assets (ROA) | 0.6808% | 3,566 |
| Pretax return on assets | 0.8350% | 3,491 |
| Return on Equity (ROE) | 5.9993% | 3,509 |
| Retained earnings to average equity (ytd only) | 5.9993% | 2,083 |
| Net charge-offs to loans | 2.7175% | 41 |
| Credit loss provision to net charge-offs | 43.2584% | 2,657 |
| Earnings coverage of net charge-offs (x) | 0.7978% | 2,905 |
| Efficiency ratio | 40.2860% | 4,909 |
| Assets per employee ($millions) | 11.1340% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 1,327 |
| Loan loss allowance to noncurrent loans | 40.9877% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 3.1179% | 147 |
| Noncurrent loans to loans | 3.6133% | 213 |
| Net loans and leases to total assets | 85.0099% | 189 |
| Net loans and leases to deposits | 96.7438% | 743 |
| Net loans and leases to core deposits | 116.3859% | 523 |
| Total domestic deposits to total assets | 87.8711% | 1,243 |
| Equity capital to assets | 11.5425% | 1,943 |
| Core capital (leverage) ratio | 11.7224% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7398% | 2,719 |
| Memoranda: | ||
| Average total assets | $77,847,333 | 4,280 |
| Average earning assets | $75,325,667 | 4,230 |
| Average equity | $8,834,333 | 4,357 |
| Average total loans | $65,501,000 | 3,843 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 2,226 |
| Cost of funding earning assets | 1.7455% | 108 |
| Net interest margin | 2.7832% | 4,585 |
| Noninterest income to average assets | 0.1028% | 4,816 |
| Noninterest expense to average assets | 1.2236% | 5,021 |
| Loan and lease loss provision to assets | 1.2082% | 148 |
| Net operating income to assets | 0.2725% | 4,409 |
| Return on assets (ROA) | 0.2725% | 4,429 |
| Pretax return on assets | 0.3599% | 4,363 |
| Return on Equity (ROE) | 2.4219% | 4,360 |
| Retained earnings to average equity (ytd only) | 2.4219% | 3,300 |
| Net charge-offs to loans | 5.5086% | 18 |
| Credit loss provision to net charge-offs | 26.4045% | 2,175 |
| Earnings coverage of net charge-offs (x) | 0.3427% | 2,474 |
| Efficiency ratio | 43.8306% | 4,884 |
| Assets per employee ($millions) | 11.2234% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,220 |
| Loan loss allowance to noncurrent loans | 33.5315% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 3.3730% | 149 |
| Noncurrent loans to loans | 3.8289% | 218 |
| Net loans and leases to total assets | 82.7949% | 372 |
| Net loans and leases to deposits | 93.7682% | 1,099 |
| Net loans and leases to core deposits | 111.7320% | 769 |
| Total domestic deposits to total assets | 88.2974% | 975 |
| Equity capital to assets | 11.1743% | 2,707 |
| Core capital (leverage) ratio | 11.3481% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8011% | 2,793 |
| Memoranda: | ||
| Average total assets | $77,802,000 | 4,294 |
| Average earning assets | $75,164,000 | 4,238 |
| Average equity | $8,753,500 | 4,390 |
| Average total loans | $64,626,000 | 3,872 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 1,606 |
| Cost of funding earning assets | 1.7959% | 144 |
| Net interest margin | 3.1568% | 4,275 |
| Noninterest income to average assets | 0.0873% | 4,959 |
| Noninterest expense to average assets | 1.2522% | 5,080 |
| Loan and lease loss provision to assets | 1.1570% | 78 |
| Net operating income to assets | 0.5461% | 4,302 |
| Return on assets (ROA) | 0.5461% | 4,359 |
| Pretax return on assets | 0.7206% | 4,158 |
| Return on Equity (ROE) | 4.8878% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.8878% | 2,478 |
| Net charge-offs to loans | 0.6061% | 305 |
| Credit loss provision to net charge-offs | 221.5190% | 1,198 |
| Earnings coverage of net charge-offs (x) | 3.5949% | 3,303 |
| Efficiency ratio | 40.0084% | 5,065 |
| Assets per employee ($millions) | 11.0057% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3690% | 256 |
| Loan loss allowance to noncurrent loans | 45.0210% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 5.0013% | 61 |
| Noncurrent loans to loans | 5.2621% | 90 |
| Net loans and leases to total assets | 80.2934% | 744 |
| Net loans and leases to deposits | 91.0386% | 1,478 |
| Net loans and leases to core deposits | 110.2756% | 833 |
| Total domestic deposits to total assets | 88.1970% | 1,035 |
| Equity capital to assets | 11.3292% | 2,677 |
| Core capital (leverage) ratio | 11.3892% | 2,194 |
| Tier 1 risk-based capital ratio | 12.2034% | 4,239 |
| Total risk-based capital ratio | 13.4633% | 4,110 |
| Memoranda: | ||
| Average total assets | $75,629,600 | 4,352 |
| Average earning assets | $72,890,000 | 4,298 |
| Average equity | $8,449,600 | 4,454 |
| Average total loans | $65,175,200 | 3,883 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 1,409 |
| Cost of funding earning assets | 1.7789% | 153 |
| Net interest margin | 3.2729% | 4,140 |
| Noninterest income to average assets | 0.0815% | 5,044 |
| Noninterest expense to average assets | 1.1920% | 5,171 |
| Loan and lease loss provision to assets | 1.1513% | 79 |
| Net operating income to assets | 0.6748% | 4,091 |
| Return on assets (ROA) | 0.6748% | 4,154 |
| Pretax return on assets | 0.8927% | 3,893 |
| Return on Equity (ROE) | 6.0619% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.0619% | 2,342 |
| Net charge-offs to loans | 0.5729% | 288 |
| Credit loss provision to net charge-offs | 230.4965% | 1,168 |
| Earnings coverage of net charge-offs (x) | 4.0922% | 3,044 |
| Efficiency ratio | 36.8363% | 5,165 |
| Assets per employee ($millions) | 10.7981% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1431% | 363 |
| Loan loss allowance to noncurrent loans | 39.0169% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 4.9744% | 74 |
| Noncurrent loans to loans | 5.4926% | 87 |
| Net loans and leases to total assets | 83.9099% | 363 |
| Net loans and leases to deposits | 95.5800% | 1,066 |
| Net loans and leases to core deposits | 112.3302% | 832 |
| Total domestic deposits to total assets | 87.7902% | 1,132 |
| Equity capital to assets | 11.5046% | 2,652 |
| Core capital (leverage) ratio | 11.5158% | 2,203 |
| Tier 1 risk-based capital ratio | 12.1398% | 4,346 |
| Total risk-based capital ratio | 13.3977% | 4,230 |
| Memoranda: | ||
| Average total assets | $75,277,000 | 4,411 |
| Average earning assets | $72,553,000 | 4,362 |
| Average equity | $8,380,000 | 4,511 |
| Average total loans | $65,629,250 | 3,914 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 1,372 |
| Cost of funding earning assets | 1.7389% | 160 |
| Net interest margin | 3.3011% | 4,144 |
| Noninterest income to average assets | 0.0825% | 5,092 |
| Noninterest expense to average assets | 1.1946% | 5,226 |
| Loan and lease loss provision to assets | 1.7293% | 46 |
| Net operating income to assets | 0.2554% | 4,932 |
| Return on assets (ROA) | 0.2554% | 4,946 |
| Pretax return on assets | 0.3405% | 4,900 |
| Return on Equity (ROE) | 2.3203% | 4,902 |
| Retained earnings to average equity (ytd only) | 2.3203% | 4,011 |
| Net charge-offs to loans | 0.2094% | 792 |
| Credit loss provision to net charge-offs | 942.0290% | 362 |
| Earnings coverage of net charge-offs (x) | 11.2754% | 2,211 |
| Efficiency ratio | 36.5933% | 5,211 |
| Assets per employee ($millions) | 12.4533% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4157% | 250 |
| Loan loss allowance to noncurrent loans | 42.7656% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 5.2810% | 72 |
| Noncurrent loans to loans | 5.6488% | 79 |
| Net loans and leases to total assets | 86.6073% | 171 |
| Net loans and leases to deposits | 98.3450% | 811 |
| Net loans and leases to core deposits | 114.2391% | 770 |
| Total domestic deposits to total assets | 88.0648% | 1,079 |
| Equity capital to assets | 11.2567% | 2,812 |
| Core capital (leverage) ratio | 11.3810% | 2,263 |
| Tier 1 risk-based capital ratio | 12.2089% | 4,295 |
| Total risk-based capital ratio | 13.4719% | 4,160 |
| Memoranda: | ||
| Average total assets | $75,173,670 | 4,448 |
| Average earning assets | $72,461,330 | 4,393 |
| Average equity | $8,274,670 | 4,545 |
| Average total loans | $65,901,000 | 3,927 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 1,629 |
| Cost of funding earning assets | 1.6654% | 177 |
| Net interest margin | 3.2212% | 4,342 |
| Noninterest income to average assets | 0.0690% | 5,165 |
| Noninterest expense to average assets | 1.1671% | 5,288 |
| Loan and lease loss provision to assets | 3.4483% | 19 |
| Net operating income to assets | -1.0663% | 5,289 |
| Return on assets (ROA) | -1.0663% | 5,287 |
| Pretax return on assets | -1.4270% | 5,296 |
| Return on Equity (ROE) | -9.7971% | 5,293 |
| Retained earnings to average equity (ytd only) | -9.7971% | 5,100 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6057% | 5,262 |
| Assets per employee ($millions) | 10.6760% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4930% | 250 |
| Loan loss allowance to noncurrent loans | 81.1953% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.7538% | 246 |
| Noncurrent loans to loans | 3.0703% | 348 |
| Net loans and leases to total assets | 87.4565% | 121 |
| Net loans and leases to deposits | 100.6824% | 583 |
| Net loans and leases to core deposits | 114.3882% | 721 |
| Total domestic deposits to total assets | 86.8637% | 1,881 |
| Equity capital to assets | 10.8508% | 2,995 |
| Core capital (leverage) ratio | 10.9780% | 2,595 |
| Tier 1 risk-based capital ratio | 11.8102% | 4,563 |
| Total risk-based capital ratio | 13.0741% | 4,455 |
| Memoranda: | ||
| Average total assets | $75,400,500 | 4,497 |
| Average earning assets | $73,016,500 | 4,432 |
| Average equity | $8,206,500 | 4,591 |
| Average total loans | $65,694,000 | 3,971 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 1,523 |
| Cost of funding earning assets | 1.4107% | 134 |
| Net interest margin | 3.4011% | 3,999 |
| Noninterest income to average assets | 0.1134% | 5,104 |
| Noninterest expense to average assets | 1.3254% | 5,292 |
| Loan and lease loss provision to assets | 1.2822% | 55 |
| Net operating income to assets | 0.6033% | 4,410 |
| Return on assets (ROA) | 0.6033% | 4,417 |
| Pretax return on assets | 0.7922% | 4,190 |
| Return on Equity (ROE) | 5.2897% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.2897% | 2,606 |
| Net charge-offs to loans | 1.6851% | 64 |
| Credit loss provision to net charge-offs | 87.5576% | 2,753 |
| Earnings coverage of net charge-offs (x) | 1.4166% | 3,626 |
| Efficiency ratio | 38.9837% | 5,295 |
| Assets per employee ($millions) | 10.9101% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,885 |
| Loan loss allowance to noncurrent loans | 26.3582% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 3.0849% | 196 |
| Noncurrent loans to loans | 3.6607% | 226 |
| Net loans and leases to total assets | 83.4584% | 457 |
| Net loans and leases to deposits | 94.6285% | 1,212 |
| Net loans and leases to core deposits | 109.8476% | 1,015 |
| Total domestic deposits to total assets | 88.1958% | 1,214 |
| Equity capital to assets | 11.2687% | 2,453 |
| Core capital (leverage) ratio | 11.4965% | 2,105 |
| Tier 1 risk-based capital ratio | 12.5506% | 4,106 |
| Total risk-based capital ratio | 13.4554% | 4,173 |
| Memoranda: | ||
| Average total assets | $74,092,800 | 4,525 |
| Average earning assets | $71,594,800 | 4,465 |
| Average equity | $8,450,400 | 4,539 |
| Average total loans | $64,389,400 | 3,997 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 1,435 |
| Cost of funding earning assets | 1.3383% | 147 |
| Net interest margin | 3.4593% | 3,835 |
| Noninterest income to average assets | 0.1179% | 5,143 |
| Noninterest expense to average assets | 1.2585% | 5,383 |
| Loan and lease loss provision to assets | 1.1787% | 67 |
| Net operating income to assets | 0.7671% | 4,022 |
| Return on assets (ROA) | 0.7671% | 4,029 |
| Pretax return on assets | 1.0228% | 3,652 |
| Return on Equity (ROE) | 6.7050% | 4,033 |
| Retained earnings to average equity (ytd only) | 6.7050% | 2,276 |
| Net charge-offs to loans | 1.6253% | 71 |
| Credit loss provision to net charge-offs | 82.8025% | 2,503 |
| Earnings coverage of net charge-offs (x) | 1.5465% | 3,339 |
| Efficiency ratio | 36.3732% | 5,384 |
| Assets per employee ($millions) | 10.5197% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,979 |
| Loan loss allowance to noncurrent loans | 25.8535% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 3.2619% | 203 |
| Noncurrent loans to loans | 3.7294% | 244 |
| Net loans and leases to total assets | 86.6210% | 214 |
| Net loans and leases to deposits | 98.8026% | 880 |
| Net loans and leases to core deposits | 115.3704% | 743 |
| Total domestic deposits to total assets | 87.6708% | 1,410 |
| Equity capital to assets | 11.6448% | 2,150 |
| Core capital (leverage) ratio | 11.5892% | 2,102 |
| Tier 1 risk-based capital ratio | 12.5489% | 4,186 |
| Total risk-based capital ratio | 13.4561% | 4,267 |
| Memoranda: | ||
| Average total assets | $73,523,250 | 4,580 |
| Average earning assets | $71,032,750 | 4,521 |
| Average equity | $8,411,500 | 4,589 |
| Average total loans | $64,397,000 | 4,034 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 1,628 |
| Cost of funding earning assets | 1.2293% | 162 |
| Net interest margin | 3.4256% | 3,880 |
| Noninterest income to average assets | 0.1034% | 5,261 |
| Noninterest expense to average assets | 1.2302% | 5,450 |
| Loan and lease loss provision to assets | 0.8165% | 109 |
| Net operating income to assets | 1.0152% | 2,955 |
| Return on assets (ROA) | 1.0152% | 2,963 |
| Pretax return on assets | 1.3635% | 2,281 |
| Return on Equity (ROE) | 8.9266% | 3,058 |
| Retained earnings to average equity (ytd only) | 8.9266% | 1,241 |
| Net charge-offs to loans | 0.6212% | 234 |
| Credit loss provision to net charge-offs | 150.0000% | 1,577 |
| Earnings coverage of net charge-offs (x) | 4.0050% | 2,830 |
| Efficiency ratio | 36.0734% | 5,448 |
| Assets per employee ($millions) | 10.5407% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,097 |
| Loan loss allowance to noncurrent loans | 28.9875% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 4.0022% | 137 |
| Noncurrent loans to loans | 4.5367% | 168 |
| Net loans and leases to total assets | 87.0583% | 195 |
| Net loans and leases to deposits | 100.8652% | 751 |
| Net loans and leases to core deposits | 114.8774% | 752 |
| Total domestic deposits to total assets | 86.3116% | 2,132 |
| Equity capital to assets | 11.5620% | 2,156 |
| Core capital (leverage) ratio | 11.6990% | 1,910 |
| Tier 1 risk-based capital ratio | 12.3305% | 4,287 |
| Total risk-based capital ratio | 13.5665% | 4,182 |
| Memoranda: | ||
| Average total assets | $73,485,000 | 4,629 |
| Average earning assets | $70,936,330 | 4,569 |
| Average equity | $8,357,000 | 4,638 |
| Average total loans | $64,393,670 | 4,061 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 1,773 |
| Cost of funding earning assets | 1.1653% | 163 |
| Net interest margin | 3.3657% | 4,006 |
| Noninterest income to average assets | 0.0927% | 5,357 |
| Noninterest expense to average assets | 1.1727% | 5,527 |
| Loan and lease loss provision to assets | 0.5454% | 191 |
| Net operating income to assets | 1.2163% | 1,941 |
| Return on assets (ROA) | 1.2163% | 1,949 |
| Pretax return on assets | 1.6200% | 1,335 |
| Return on Equity (ROE) | 10.7860% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.7860% | 945 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1307% | 5,522 |
| Assets per employee ($millions) | 10.4957% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,185 |
| Loan loss allowance to noncurrent loans | 26.0817% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 4.4671% | 121 |
| Noncurrent loans to loans | 5.0320% | 150 |
| Net loans and leases to total assets | 87.6099% | 155 |
| Net loans and leases to deposits | 100.0933% | 702 |
| Net loans and leases to core deposits | 113.7246% | 814 |
| Total domestic deposits to total assets | 87.5282% | 1,886 |
| Equity capital to assets | 11.4074% | 2,207 |
| Core capital (leverage) ratio | 11.5647% | 1,962 |
| Tier 1 risk-based capital ratio | 11.9690% | 4,562 |
| Total risk-based capital ratio | 13.1900% | 4,480 |
| Memoranda: | ||
| Average total assets | $73,335,000 | 4,684 |
| Average earning assets | $70,712,500 | 4,625 |
| Average equity | $8,270,000 | 4,704 |
| Average total loans | $64,044,500 | 4,096 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 2,170 |
| Cost of funding earning assets | 1.1040% | 128 |
| Net interest margin | 3.2495% | 4,308 |
| Noninterest income to average assets | 0.0714% | 5,483 |
| Noninterest expense to average assets | 1.4487% | 5,502 |
| Loan and lease loss provision to assets | 0.5599% | 231 |
| Net operating income to assets | 0.7992% | 3,160 |
| Return on assets (ROA) | 0.7992% | 3,206 |
| Pretax return on assets | 1.1856% | 2,822 |
| Return on Equity (ROE) | 7.2462% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.2462% | 1,001 |
| Net charge-offs to loans | 0.6470% | 344 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 3.1175% | 3,652 |
| Efficiency ratio | 45.3550% | 5,412 |
| Assets per employee ($millions) | 10.4571% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,763 |
| Loan loss allowance to noncurrent loans | 20.9129% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 4.9385% | 95 |
| Noncurrent loans to loans | 5.7503% | 98 |
| Net loans and leases to total assets | 84.8497% | 359 |
| Net loans and leases to deposits | 96.4216% | 1,047 |
| Net loans and leases to core deposits | 109.6652% | 1,030 |
| Total domestic deposits to total assets | 87.9986% | 1,500 |
| Equity capital to assets | 11.1462% | 2,492 |
| Core capital (leverage) ratio | 11.3656% | 2,046 |
| Tier 1 risk-based capital ratio | 12.0062% | 4,520 |
| Total risk-based capital ratio | 13.1176% | 4,500 |
| Memoranda: | ||
| Average total assets | $71,442,200 | 4,753 |
| Average earning assets | $68,656,800 | 4,689 |
| Average equity | $7,880,000 | 4,802 |
| Average total loans | $61,824,400 | 4,156 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,299 |
| Cost of funding earning assets | 1.0877% | 122 |
| Net interest margin | 3.2009% | 4,446 |
| Noninterest income to average assets | 0.0714% | 5,556 |
| Noninterest expense to average assets | 1.2206% | 5,648 |
| Loan and lease loss provision to assets | 0.5633% | 195 |
| Net operating income to assets | 0.8751% | 3,148 |
| Return on assets (ROA) | 0.8751% | 3,195 |
| Pretax return on assets | 1.3708% | 2,213 |
| Return on Equity (ROE) | 7.9552% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.9552% | 1,241 |
| Net charge-offs to loans | 0.8663% | 210 |
| Credit loss provision to net charge-offs | 75.0000% | 2,646 |
| Earnings coverage of net charge-offs (x) | 2.5750% | 3,448 |
| Efficiency ratio | 38.6905% | 5,608 |
| Assets per employee ($millions) | 10.0357% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,737 |
| Loan loss allowance to noncurrent loans | 19.8008% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 4.7160% | 122 |
| Noncurrent loans to loans | 5.3489% | 138 |
| Net loans and leases to total assets | 87.2342% | 188 |
| Net loans and leases to deposits | 99.5630% | 778 |
| Net loans and leases to core deposits | 112.7378% | 897 |
| Total domestic deposits to total assets | 87.6171% | 1,569 |
| Equity capital to assets | 11.4847% | 2,393 |
| Core capital (leverage) ratio | 11.4055% | 2,092 |
| Tier 1 risk-based capital ratio | 12.1500% | 4,519 |
| Total risk-based capital ratio | 13.1385% | 4,584 |
| Memoranda: | ||
| Average total assets | $71,002,750 | 4,810 |
| Average earning assets | $68,396,750 | 4,744 |
| Average equity | $7,810,250 | 4,863 |
| Average total loans | $61,564,000 | 4,204 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 2,785 |
| Cost of funding earning assets | 1.0587% | 126 |
| Net interest margin | 3.0534% | 4,783 |
| Noninterest income to average assets | 0.0702% | 5,598 |
| Noninterest expense to average assets | 1.2210% | 5,700 |
| Loan and lease loss provision to assets | 0.8421% | 119 |
| Net operating income to assets | 0.6035% | 4,291 |
| Return on assets (ROA) | 0.6035% | 4,335 |
| Pretax return on assets | 0.9375% | 3,803 |
| Return on Equity (ROE) | 5.5668% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.5668% | 2,375 |
| Net charge-offs to loans | 1.3021% | 144 |
| Credit loss provision to net charge-offs | 75.0000% | 2,318 |
| Earnings coverage of net charge-offs (x) | 1.5850% | 3,267 |
| Efficiency ratio | 40.6922% | 5,609 |
| Assets per employee ($millions) | 10.1763% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,756 |
| Loan loss allowance to noncurrent loans | 17.7441% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 5.1899% | 94 |
| Noncurrent loans to loans | 6.0052% | 102 |
| Net loans and leases to total assets | 85.5027% | 309 |
| Net loans and leases to deposits | 96.7039% | 1,008 |
| Net loans and leases to core deposits | 110.5290% | 982 |
| Total domestic deposits to total assets | 88.4170% | 1,251 |
| Equity capital to assets | 10.9737% | 2,836 |
| Core capital (leverage) ratio | 10.8936% | 2,517 |
| Tier 1 risk-based capital ratio | 11.8235% | 4,745 |
| Total risk-based capital ratio | 12.8163% | 4,809 |
| Memoranda: | ||
| Average total assets | $71,253,670 | 4,836 |
| Average earning assets | $68,383,670 | 4,779 |
| Average equity | $7,724,330 | 4,898 |
| Average total loans | $61,439,330 | 4,227 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 2,296 |
| Cost of funding earning assets | 1.0044% | 161 |
| Net interest margin | 3.1895% | 4,376 |
| Noninterest income to average assets | 0.0730% | 5,666 |
| Noninterest expense to average assets | 1.1956% | 5,769 |
| Loan and lease loss provision to assets | 0.5613% | 175 |
| Net operating income to assets | 0.8868% | 2,829 |
| Return on assets (ROA) | 0.8868% | 2,875 |
| Pretax return on assets | 1.3640% | 2,013 |
| Return on Equity (ROE) | 8.2313% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.2313% | 1,363 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3094% | 5,721 |
| Assets per employee ($millions) | 10.1934% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 2,118 |
| Loan loss allowance to noncurrent loans | 40.1878% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 2.9851% | 342 |
| Noncurrent loans to loans | 3.4559% | 357 |
| Net loans and leases to total assets | 85.1781% | 273 |
| Net loans and leases to deposits | 98.3765% | 740 |
| Net loans and leases to core deposits | 113.9082% | 681 |
| Total domestic deposits to total assets | 86.5838% | 2,407 |
| Equity capital to assets | 10.8782% | 2,769 |
| Core capital (leverage) ratio | 11.2046% | 2,179 |
| Tier 1 risk-based capital ratio | 11.8337% | 4,826 |
| Total risk-based capital ratio | 13.0836% | 4,732 |
| Memoranda: | ||
| Average total assets | $71,263,500 | 4,893 |
| Average earning assets | $68,099,500 | 4,828 |
| Average equity | $7,678,000 | 4,945 |
| Average total loans | $61,377,500 | 4,263 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 1,629 |
| Cost of funding earning assets | 1.0189% | 153 |
| Net interest margin | 3.4518% | 3,621 |
| Noninterest income to average assets | 0.0918% | 5,662 |
| Noninterest expense to average assets | 1.3222% | 5,803 |
| Loan and lease loss provision to assets | 0.1434% | 1,746 |
| Net operating income to assets | 1.2505% | 1,358 |
| Return on assets (ROA) | 1.2505% | 1,435 |
| Pretax return on assets | 1.9589% | 551 |
| Return on Equity (ROE) | 11.7949% | 1,317 |
| Retained earnings to average equity (ytd only) | 8.4134% | 732 |
| Net charge-offs to loans | 0.1495% | 1,767 |
| Credit loss provision to net charge-offs | 109.8901% | 2,384 |
| Earnings coverage of net charge-offs (x) | 16.1099% | 2,138 |
| Efficiency ratio | 38.6097% | 5,806 |
| Assets per employee ($millions) | 10.1676% | 288 |
| Cash dividends to net income (ytd only)* | 28.6697% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,895 |
| Loan loss allowance to noncurrent loans | 43.0034% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.4700% | 485 |
| Noncurrent loans to loans | 2.8763% | 487 |
| Net loans and leases to total assets | 84.8145% | 316 |
| Net loans and leases to deposits | 97.8315% | 838 |
| Net loans and leases to core deposits | 112.2130% | 775 |
| Total domestic deposits to total assets | 86.6944% | 2,290 |
| Equity capital to assets | 10.6698% | 2,959 |
| Core capital (leverage) ratio | 10.9870% | 2,352 |
| Tier 1 risk-based capital ratio | 11.6720% | 4,943 |
| Total risk-based capital ratio | 12.8336% | 4,906 |
| Memoranda: | ||
| Average total assets | $69,732,200 | 4,944 |
| Average earning assets | $67,327,400 | 4,859 |
| Average equity | $7,393,000 | 5,026 |
| Average total loans | $60,851,000 | 4,270 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 1,641 |
| Cost of funding earning assets | 1.0168% | 157 |
| Net interest margin | 3.4508% | 3,666 |
| Noninterest income to average assets | 0.0942% | 5,731 |
| Noninterest expense to average assets | 1.2358% | 5,886 |
| Loan and lease loss provision to assets | 0.1922% | 1,126 |
| Net operating income to assets | 1.2858% | 1,339 |
| Return on assets (ROA) | 1.2858% | 1,445 |
| Pretax return on assets | 2.0123% | 555 |
| Return on Equity (ROE) | 12.1478% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.1478% | 285 |
| Net charge-offs to loans | 0.2018% | 1,159 |
| Credit loss provision to net charge-offs | 108.6957% | 2,237 |
| Earnings coverage of net charge-offs (x) | 12.4678% | 2,387 |
| Efficiency ratio | 35.9218% | 5,890 |
| Assets per employee ($millions) | 9.9406% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,072 |
| Loan loss allowance to noncurrent loans | 30.7786% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 3.5252% | 281 |
| Noncurrent loans to loans | 3.9924% | 273 |
| Net loans and leases to total assets | 87.2126% | 179 |
| Net loans and leases to deposits | 100.8056% | 652 |
| Net loans and leases to core deposits | 117.0437% | 610 |
| Total domestic deposits to total assets | 86.5156% | 2,118 |
| Equity capital to assets | 11.0155% | 2,994 |
| Core capital (leverage) ratio | 11.0073% | 2,443 |
| Tier 1 risk-based capital ratio | 11.5987% | 5,033 |
| Total risk-based capital ratio | 12.7438% | 5,000 |
| Memoranda: | ||
| Average total assets | $69,372,000 | 4,988 |
| Average earning assets | $67,267,000 | 4,900 |
| Average equity | $7,342,750 | 5,084 |
| Average total loans | $60,783,500 | 4,300 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 1,341 |
| Cost of funding earning assets | 1.0025% | 169 |
| Net interest margin | 3.5639% | 3,237 |
| Noninterest income to average assets | 0.1010% | 5,777 |
| Noninterest expense to average assets | 1.2323% | 5,967 |
| Loan and lease loss provision to assets | 0.2886% | 637 |
| Net operating income to assets | 1.3044% | 1,259 |
| Return on assets (ROA) | 1.3044% | 1,362 |
| Pretax return on assets | 2.0375% | 532 |
| Return on Equity (ROE) | 12.4942% | 1,159 |
| Retained earnings to average equity (ytd only) | 12.4942% | 272 |
| Net charge-offs to loans | 0.3038% | 781 |
| Credit loss provision to net charge-offs | 108.6957% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.7609% | 2,490 |
| Efficiency ratio | 34.6310% | 5,979 |
| Assets per employee ($millions) | 9.9119% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 3,203 |
| Loan loss allowance to noncurrent loans | 57.3708% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.8967% | 883 |
| Noncurrent loans to loans | 2.1395% | 902 |
| Net loans and leases to total assets | 87.5661% | 162 |
| Net loans and leases to deposits | 99.1093% | 775 |
| Net loans and leases to core deposits | 116.1705% | 635 |
| Total domestic deposits to total assets | 88.3531% | 1,244 |
| Equity capital to assets | 10.7461% | 3,348 |
| Core capital (leverage) ratio | 10.6368% | 2,807 |
| Tier 1 risk-based capital ratio | 11.3929% | 5,220 |
| Total risk-based capital ratio | 12.5506% | 5,178 |
| Memoranda: | ||
| Average total assets | $69,301,330 | 5,040 |
| Average earning assets | $67,230,000 | 4,955 |
| Average equity | $7,235,330 | 5,149 |
| Average total loans | $60,564,330 | 4,324 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 1,594 |
| Cost of funding earning assets | 0.9774% | 192 |
| Net interest margin | 3.4924% | 3,501 |
| Noninterest income to average assets | 0.0982% | 5,827 |
| Noninterest expense to average assets | 1.1897% | 6,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4669% | 910 |
| Return on assets (ROA) | 1.4669% | 954 |
| Pretax return on assets | 2.2928% | 320 |
| Return on Equity (ROE) | 14.2596% | 793 |
| Retained earnings to average equity (ytd only) | 14.2596% | 305 |
| Net charge-offs to loans | -0.0067% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1625% | 6,041 |
| Assets per employee ($millions) | 9.9909% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 3,350 |
| Loan loss allowance to noncurrent loans | 115.2542% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 2,386 |
| Noncurrent loans to loans | 1.0607% | 2,270 |
| Net loans and leases to total assets | 86.4162% | 199 |
| Net loans and leases to deposits | 97.4931% | 801 |
| Net loans and leases to core deposits | 115.0614% | 629 |
| Total domestic deposits to total assets | 88.6382% | 1,288 |
| Equity capital to assets | 10.3752% | 3,648 |
| Core capital (leverage) ratio | 10.6682% | 2,776 |
| Tier 1 risk-based capital ratio | 11.2568% | 5,367 |
| Total risk-based capital ratio | 12.4212% | 5,322 |
| Memoranda: | ||
| Average total assets | $69,260,500 | 5,089 |
| Average earning assets | $67,117,000 | 4,998 |
| Average equity | $7,125,000 | 5,208 |
| Average total loans | $60,091,000 | 4,366 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,307 |
| Cost of funding earning assets | 0.9508% | 220 |
| Net interest margin | 3.3210% | 4,208 |
| Noninterest income to average assets | 0.0868% | 5,910 |
| Noninterest expense to average assets | 1.2954% | 6,077 |
| Loan and lease loss provision to assets | 0.4342% | 289 |
| Net operating income to assets | 1.0100% | 2,311 |
| Return on assets (ROA) | 1.0146% | 2,363 |
| Pretax return on assets | 1.5747% | 1,331 |
| Return on Equity (ROE) | 10.5132% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.5132% | 395 |
| Net charge-offs to loans | 0.3873% | 743 |
| Credit loss provision to net charge-offs | 135.7466% | 1,932 |
| Earnings coverage of net charge-offs (x) | 6.2579% | 3,253 |
| Efficiency ratio | 39.2888% | 6,075 |
| Assets per employee ($millions) | 9.7979% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 3,078 |
| Loan loss allowance to noncurrent loans | 114.7465% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 2,299 |
| Noncurrent loans to loans | 1.1034% | 2,133 |
| Net loans and leases to total assets | 84.9326% | 318 |
| Net loans and leases to deposits | 97.6039% | 851 |
| Net loans and leases to core deposits | 114.5861% | 653 |
| Total domestic deposits to total assets | 87.0176% | 2,121 |
| Equity capital to assets | 10.1976% | 3,752 |
| Core capital (leverage) ratio | 10.4717% | 2,960 |
| Tier 1 risk-based capital ratio | 10.4141% | 5,818 |
| Total risk-based capital ratio | 11.5290% | 5,797 |
| Memoranda: | ||
| Average total assets | $69,092,000 | 5,108 |
| Average earning assets | $66,786,600 | 5,025 |
| Average equity | $6,667,800 | 5,307 |
| Average total loans | $57,059,800 | 4,461 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,463 |
| Cost of funding earning assets | 0.9394% | 236 |
| Net interest margin | 3.2940% | 4,376 |
| Noninterest income to average assets | 0.0828% | 6,009 |
| Noninterest expense to average assets | 1.2135% | 6,169 |
| Loan and lease loss provision to assets | 0.4334% | 261 |
| Net operating income to assets | 1.0459% | 2,237 |
| Return on assets (ROA) | 1.0459% | 2,334 |
| Pretax return on assets | 1.6238% | 1,317 |
| Return on Equity (ROE) | 10.9923% | 1,716 |
| Retained earnings to average equity (ytd only) | 10.9923% | 480 |
| Net charge-offs to loans | 0.5232% | 456 |
| Credit loss provision to net charge-offs | 101.3514% | 2,236 |
| Earnings coverage of net charge-offs (x) | 4.8108% | 3,297 |
| Efficiency ratio | 37.1025% | 6,173 |
| Assets per employee ($millions) | 9.4863% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 3,750 |
| Loan loss allowance to noncurrent loans | 99.7028% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0135% | 2,334 |
| Noncurrent loans to loans | 1.1869% | 2,150 |
| Net loans and leases to total assets | 84.3805% | 359 |
| Net loans and leases to deposits | 96.4821% | 957 |
| Net loans and leases to core deposits | 114.0415% | 668 |
| Total domestic deposits to total assets | 87.4571% | 1,818 |
| Equity capital to assets | 10.3096% | 3,802 |
| Core capital (leverage) ratio | 9.9689% | 3,680 |
| Tier 1 risk-based capital ratio | 11.1633% | 5,566 |
| Total risk-based capital ratio | 12.2618% | 5,556 |
| Memoranda: | ||
| Average total assets | $69,218,750 | 5,170 |
| Average earning assets | $66,988,250 | 5,077 |
| Average equity | $6,586,250 | 5,393 |
| Average total loans | $56,575,250 | 4,522 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,862 |
| Cost of funding earning assets | 0.9382% | 237 |
| Net interest margin | 3.1706% | 4,747 |
| Noninterest income to average assets | 0.0827% | 6,084 |
| Noninterest expense to average assets | 1.2002% | 6,247 |
| Loan and lease loss provision to assets | 0.4276% | 258 |
| Net operating income to assets | 0.9864% | 2,466 |
| Return on assets (ROA) | 0.9864% | 2,571 |
| Pretax return on assets | 1.5280% | 1,561 |
| Return on Equity (ROE) | 10.6467% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.6467% | 554 |
| Net charge-offs to loans | 0.7005% | 327 |
| Credit loss provision to net charge-offs | 75.7576% | 2,386 |
| Earnings coverage of net charge-offs (x) | 3.4646% | 3,193 |
| Efficiency ratio | 38.0307% | 6,235 |
| Assets per employee ($millions) | 10.9669% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 4,409 |
| Loan loss allowance to noncurrent loans | 81.0458% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.9965% | 2,534 |
| Noncurrent loans to loans | 1.3382% | 2,007 |
| Net loans and leases to total assets | 73.6583% | 1,715 |
| Net loans and leases to deposits | 81.1545% | 2,648 |
| Net loans and leases to core deposits | 91.6630% | 2,187 |
| Total domestic deposits to total assets | 90.7631% | 369 |
| Equity capital to assets | 8.6507% | 5,564 |
| Core capital (leverage) ratio | 9.3366% | 4,505 |
| Tier 1 risk-based capital ratio | 10.3758% | 5,963 |
| Total risk-based capital ratio | 11.3472% | 6,006 |
| Memoranda: | ||
| Average total assets | $70,157,000 | 5,210 |
| Average earning assets | $67,999,670 | 5,099 |
| Average equity | $6,499,670 | 5,450 |
| Average total loans | $56,532,670 | 4,560 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 2,469 |
| Cost of funding earning assets | 1.0041% | 179 |
| Net interest margin | 3.1919% | 4,636 |
| Noninterest income to average assets | 0.0778% | 6,155 |
| Noninterest expense to average assets | 1.2326% | 6,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4959% | 854 |
| Return on assets (ROA) | 1.4959% | 907 |
| Pretax return on assets | 1.9267% | 681 |
| Return on Equity (ROE) | 15.5545% | 622 |
| Retained earnings to average equity (ytd only) | 15.5545% | 240 |
| Net charge-offs to loans | -0.0071% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0152% | 6,282 |
| Assets per employee ($millions) | 9.6789% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 4,096 |
| Loan loss allowance to noncurrent loans | 57.2774% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.7239% | 1,444 |
| Noncurrent loans to loans | 2.0566% | 1,263 |
| Net loans and leases to total assets | 82.8359% | 390 |
| Net loans and leases to deposits | 92.5817% | 1,125 |
| Net loans and leases to core deposits | 107.6576% | 838 |
| Total domestic deposits to total assets | 89.4734% | 1,006 |
| Equity capital to assets | 9.6779% | 4,534 |
| Core capital (leverage) ratio | 9.8583% | 3,813 |
| Tier 1 risk-based capital ratio | 10.4867% | 6,016 |
| Total risk-based capital ratio | 11.5615% | 6,020 |
| Memoranda: | ||
| Average total assets | $66,851,500 | 5,334 |
| Average earning assets | $64,538,000 | 5,239 |
| Average equity | $6,429,000 | 5,510 |
| Average total loans | $56,216,000 | 4,605 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 2,821 |
| Cost of funding earning assets | 0.9224% | 341 |
| Net interest margin | 3.3165% | 4,521 |
| Noninterest income to average assets | 0.0839% | 6,209 |
| Noninterest expense to average assets | 1.4622% | 6,318 |
| Loan and lease loss provision to assets | 0.5718% | 250 |
| Net operating income to assets | 0.8066% | 3,339 |
| Return on assets (ROA) | 0.8066% | 3,433 |
| Pretax return on assets | 1.2350% | 2,506 |
| Return on Equity (ROE) | 8.7271% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.3971% | 870 |
| Net charge-offs to loans | 0.4526% | 930 |
| Credit loss provision to net charge-offs | 154.9587% | 1,566 |
| Earnings coverage of net charge-offs (x) | 4.8967% | 3,541 |
| Efficiency ratio | 44.7295% | 6,304 |
| Assets per employee ($millions) | 9.4216% | 296 |
| Cash dividends to net income (ytd only)* | 3.7807% | 4,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,990 |
| Loan loss allowance to noncurrent loans | 78.9598% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2828% | 2,199 |
| Noncurrent loans to loans | 1.5205% | 1,932 |
| Net loans and leases to total assets | 83.3528% | 393 |
| Net loans and leases to deposits | 93.2013% | 1,161 |
| Net loans and leases to core deposits | 109.1212% | 822 |
| Total domestic deposits to total assets | 89.4331% | 999 |
| Equity capital to assets | 9.5541% | 4,651 |
| Core capital (leverage) ratio | 9.8207% | 3,812 |
| Tier 1 risk-based capital ratio | 10.7262% | 6,017 |
| Total risk-based capital ratio | 11.8677% | 5,998 |
| Memoranda: | ||
| Average total assets | $65,585,400 | 5,409 |
| Average earning assets | $62,989,000 | 5,310 |
| Average equity | $6,061,600 | 5,605 |
| Average total loans | $53,472,800 | 4,709 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 2,989 |
| Cost of funding earning assets | 0.9108% | 396 |
| Net interest margin | 3.2896% | 4,645 |
| Noninterest income to average assets | 0.0794% | 6,306 |
| Noninterest expense to average assets | 1.3925% | 6,413 |
| Loan and lease loss provision to assets | 0.4580% | 338 |
| Net operating income to assets | 0.9405% | 2,729 |
| Return on assets (ROA) | 0.9405% | 2,817 |
| Pretax return on assets | 1.3904% | 2,048 |
| Return on Equity (ROE) | 10.2633% | 2,085 |
| Retained earnings to average equity (ytd only) | 10.2633% | 643 |
| Net charge-offs to loans | 0.6121% | 598 |
| Credit loss provision to net charge-offs | 92.5926% | 2,386 |
| Earnings coverage of net charge-offs (x) | 3.7367% | 3,604 |
| Efficiency ratio | 42.9648% | 6,393 |
| Assets per employee ($millions) | 8.9679% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 5,252 |
| Loan loss allowance to noncurrent loans | 61.1111% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 2,287 |
| Noncurrent loans to loans | 1.6226% | 2,012 |
| Net loans and leases to total assets | 82.2302% | 490 |
| Net loans and leases to deposits | 93.2863% | 1,098 |
| Net loans and leases to core deposits | 109.4618% | 769 |
| Total domestic deposits to total assets | 88.1481% | 1,686 |
| Equity capital to assets | 9.9658% | 4,206 |
| Core capital (leverage) ratio | 10.0876% | 3,545 |
| Tier 1 risk-based capital ratio | 11.2493% | 5,890 |
| Total risk-based capital ratio | 12.1829% | 5,975 |
| Memoranda: | ||
| Average total assets | $65,494,000 | 5,468 |
| Average earning assets | $62,943,500 | 5,369 |
| Average equity | $6,001,750 | 5,680 |
| Average total loans | $52,931,000 | 4,772 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 3,274 |
| Cost of funding earning assets | 0.8865% | 462 |
| Net interest margin | 3.2297% | 4,848 |
| Noninterest income to average assets | 0.0753% | 6,363 |
| Noninterest expense to average assets | 1.4006% | 6,476 |
| Loan and lease loss provision to assets | 0.5271% | 280 |
| Net operating income to assets | 0.8193% | 3,237 |
| Return on assets (ROA) | 0.8193% | 3,333 |
| Pretax return on assets | 1.2530% | 2,440 |
| Return on Equity (ROE) | 9.1938% | 2,506 |
| Retained earnings to average equity (ytd only) | 9.1938% | 921 |
| Net charge-offs to loans | 0.9211% | 394 |
| Credit loss provision to net charge-offs | 71.4286% | 2,447 |
| Earnings coverage of net charge-offs (x) | 2.4122% | 3,555 |
| Efficiency ratio | 44.0341% | 6,418 |
| Assets per employee ($millions) | 9.0569% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 5,802 |
| Loan loss allowance to noncurrent loans | 53.1429% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3802% | 2,365 |
| Noncurrent loans to loans | 1.6427% | 2,119 |
| Net loans and leases to total assets | 83.2834% | 358 |
| Net loans and leases to deposits | 94.2352% | 945 |
| Net loans and leases to core deposits | 109.9931% | 696 |
| Total domestic deposits to total assets | 88.3782% | 1,695 |
| Equity capital to assets | 9.5713% | 4,661 |
| Core capital (leverage) ratio | 9.4082% | 4,458 |
| Tier 1 risk-based capital ratio | 10.7267% | 6,159 |
| Total risk-based capital ratio | 11.5526% | 6,265 |
| Memoranda: | ||
| Average total assets | $66,400,330 | 5,494 |
| Average earning assets | $63,844,000 | 5,391 |
| Average equity | $5,917,000 | 5,730 |
| Average total loans | $53,195,670 | 4,780 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 3,926 |
| Cost of funding earning assets | 0.8547% | 570 |
| Net interest margin | 3.0867% | 5,295 |
| Noninterest income to average assets | 0.0707% | 6,420 |
| Noninterest expense to average assets | 1.4550% | 6,527 |
| Loan and lease loss provision to assets | 0.4418% | 359 |
| Net operating income to assets | 0.7423% | 3,469 |
| Return on assets (ROA) | 0.7423% | 3,553 |
| Pretax return on assets | 1.1311% | 2,764 |
| Return on Equity (ROE) | 8.6279% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.6279% | 1,373 |
| Net charge-offs to loans | -0.0075% | 4,936 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0545% | 6,353 |
| Assets per employee ($millions) | 9.7817% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 4,798 |
| Loan loss allowance to noncurrent loans | 62.0935% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4371% | 2,468 |
| Noncurrent loans to loans | 1.8779% | 2,028 |
| Net loans and leases to total assets | 75.6324% | 1,045 |
| Net loans and leases to deposits | 83.4077% | 1,892 |
| Net loans and leases to core deposits | 95.1198% | 1,458 |
| Total domestic deposits to total assets | 90.6779% | 695 |
| Equity capital to assets | 8.6342% | 5,511 |
| Core capital (leverage) ratio | 8.6306% | 5,492 |
| Tier 1 risk-based capital ratio | 10.4050% | 6,361 |
| Total risk-based capital ratio | 11.4839% | 6,378 |
| Memoranda: | ||
| Average total assets | $67,901,500 | 5,509 |
| Average earning assets | $65,054,000 | 5,406 |
| Average equity | $5,841,500 | 5,787 |
| Average total loans | $53,161,000 | 4,818 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 3,725 |
| Cost of funding earning assets | 0.8960% | 752 |
| Net interest margin | 3.2079% | 4,975 |
| Noninterest income to average assets | 0.1061% | 6,369 |
| Noninterest expense to average assets | 1.3352% | 6,667 |
| Loan and lease loss provision to assets | 0.3076% | 1,085 |
| Net operating income to assets | 1.0060% | 2,302 |
| Return on assets (ROA) | 1.0060% | 2,363 |
| Pretax return on assets | 1.5474% | 1,307 |
| Return on Equity (ROE) | 11.8823% | 1,457 |
| Retained earnings to average equity (ytd only) | 11.8823% | 328 |
| Net charge-offs to loans | 0.5917% | 1,115 |
| Credit loss provision to net charge-offs | 66.0066% | 3,405 |
| Earnings coverage of net charge-offs (x) | 3.9802% | 3,706 |
| Efficiency ratio | 41.8515% | 6,653 |
| Assets per employee ($millions) | 9.6187% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 5,610 |
| Loan loss allowance to noncurrent loans | 54.5362% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 1.4570% | 2,557 |
| Noncurrent loans to loans | 1.8192% | 2,213 |
| Net loans and leases to total assets | 79.2933% | 671 |
| Net loans and leases to deposits | 87.2954% | 1,542 |
| Net loans and leases to core deposits | 97.6997% | 1,327 |
| Total domestic deposits to total assets | 90.8333% | 646 |
| Equity capital to assets | 8.5711% | 5,503 |
| Core capital (leverage) ratio | 8.6297% | 5,503 |
| Tier 1 risk-based capital ratio | 10.0584% | 6,505 |
| Total risk-based capital ratio | 10.9915% | 6,543 |
| Memoranda: | ||
| Average total assets | $65,010,400 | 5,621 |
| Average earning assets | $62,502,600 | 5,524 |
| Average equity | $5,504,000 | 5,926 |
| Average total loans | $51,206,600 | 4,924 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 3,824 |
| Cost of funding earning assets | 0.8928% | 839 |
| Net interest margin | 3.1924% | 5,026 |
| Noninterest income to average assets | 0.1035% | 6,472 |
| Noninterest expense to average assets | 1.2437% | 6,775 |
| Loan and lease loss provision to assets | 0.2069% | 1,754 |
| Net operating income to assets | 1.1257% | 1,907 |
| Return on assets (ROA) | 1.1257% | 1,971 |
| Pretax return on assets | 1.7383% | 1,018 |
| Return on Equity (ROE) | 13.3398% | 1,157 |
| Retained earnings to average equity (ytd only) | 13.3398% | 306 |
| Net charge-offs to loans | 0.8022% | 732 |
| Credit loss provision to net charge-offs | 32.8947% | 3,842 |
| Earnings coverage of net charge-offs (x) | 3.0921% | 3,804 |
| Efficiency ratio | 39.0006% | 6,771 |
| Assets per employee ($millions) | 9.4323% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 6,169 |
| Loan loss allowance to noncurrent loans | 43.4000% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 1.5146% | 2,662 |
| Noncurrent loans to loans | 1.9708% | 2,284 |
| Net loans and leases to total assets | 76.1912% | 978 |
| Net loans and leases to deposits | 84.1294% | 1,861 |
| Net loans and leases to core deposits | 94.8311% | 1,494 |
| Total domestic deposits to total assets | 90.5643% | 718 |
| Equity capital to assets | 8.5815% | 5,648 |
| Core capital (leverage) ratio | 8.8099% | 5,399 |
| Tier 1 risk-based capital ratio | 10.2914% | 6,511 |
| Total risk-based capital ratio | 11.0808% | 6,611 |
| Memoranda: | ||
| Average total assets | $64,430,250 | 5,699 |
| Average earning assets | $62,271,750 | 5,586 |
| Average equity | $5,437,250 | 6,024 |
| Average total loans | $50,527,250 | 4,982 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 4,018 |
| Cost of funding earning assets | 0.8853% | 962 |
| Net interest margin | 3.1392% | 5,161 |
| Noninterest income to average assets | 0.1033% | 6,520 |
| Noninterest expense to average assets | 1.2802% | 6,801 |
| Loan and lease loss provision to assets | 0.3130% | 1,135 |
| Net operating income to assets | 1.0016% | 2,320 |
| Return on assets (ROA) | 1.0016% | 2,461 |
| Pretax return on assets | 1.5399% | 1,509 |
| Return on Equity (ROE) | 11.9381% | 1,514 |
| Retained earnings to average equity (ytd only) | 11.9381% | 505 |
| Net charge-offs to loans | 1.2050% | 479 |
| Credit loss provision to net charge-offs | 32.8947% | 3,541 |
| Earnings coverage of net charge-offs (x) | 1.9474% | 3,868 |
| Efficiency ratio | 40.8591% | 6,782 |
| Assets per employee ($millions) | 8.9060% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 6,300 |
| Loan loss allowance to noncurrent loans | 42.9703% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 1.6201% | 2,683 |
| Noncurrent loans to loans | 1.9292% | 2,475 |
| Net loans and leases to total assets | 83.2809% | 279 |
| Net loans and leases to deposits | 91.8937% | 975 |
| Net loans and leases to core deposits | 107.2574% | 672 |
| Total domestic deposits to total assets | 90.6275% | 691 |
| Equity capital to assets | 8.7084% | 5,537 |
| Core capital (leverage) ratio | 8.6777% | 5,450 |
| Tier 1 risk-based capital ratio | 9.8435% | 6,667 |
| Total risk-based capital ratio | 10.6297% | 6,718 |
| Memoranda: | ||
| Average total assets | $63,898,330 | 5,750 |
| Average earning assets | $61,671,670 | 5,646 |
| Average equity | $5,361,000 | 6,091 |
| Average total loans | $50,456,330 | 5,005 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 4,897 |
| Cost of funding earning assets | 0.8623% | 1,192 |
| Net interest margin | 2.9152% | 5,782 |
| Noninterest income to average assets | 0.0990% | 6,582 |
| Noninterest expense to average assets | 1.1751% | 6,917 |
| Loan and lease loss provision to assets | 0.6185% | 404 |
| Net operating income to assets | 0.7298% | 3,541 |
| Return on assets (ROA) | 0.7298% | 3,678 |
| Pretax return on assets | 1.1070% | 2,931 |
| Return on Equity (ROE) | 8.8605% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.8605% | 1,429 |
| Net charge-offs to loans | 2.4723% | 168 |
| Credit loss provision to net charge-offs | 32.6797% | 2,853 |
| Earnings coverage of net charge-offs (x) | 0.9118% | 3,532 |
| Efficiency ratio | 40.5117% | 6,863 |
| Assets per employee ($millions) | 9.2160% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 6,264 |
| Loan loss allowance to noncurrent loans | 33.4624% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 2.0012% | 2,345 |
| Noncurrent loans to loans | 2.6815% | 1,907 |
| Net loans and leases to total assets | 73.9599% | 1,087 |
| Net loans and leases to deposits | 81.2191% | 1,933 |
| Net loans and leases to core deposits | 94.9626% | 1,269 |
| Total domestic deposits to total assets | 91.0621% | 502 |
| Equity capital to assets | 8.3504% | 6,150 |
| Core capital (leverage) ratio | 8.4035% | 5,704 |
| Tier 1 risk-based capital ratio | 10.2854% | 6,639 |
| Total risk-based capital ratio | 11.1132% | 6,697 |
| Memoranda: | ||
| Average total assets | $64,676,500 | 5,785 |
| Average earning assets | $62,157,000 | 5,673 |
| Average equity | $5,327,000 | 6,156 |
| Average total loans | $49,508,000 | 5,074 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 3,624 |
| Cost of funding earning assets | 1.0937% | 931 |
| Net interest margin | 3.3536% | 5,057 |
| Noninterest income to average assets | 0.0853% | 6,563 |
| Noninterest expense to average assets | 1.4653% | 6,887 |
| Loan and lease loss provision to assets | 0.3345% | 2,016 |
| Net operating income to assets | 0.9635% | 2,486 |
| Return on assets (ROA) | 0.9635% | 2,723 |
| Pretax return on assets | 1.4603% | 1,817 |
| Return on Equity (ROE) | 11.0608% | 1,785 |
| Retained earnings to average equity (ytd only) | 6.4905% | 1,828 |
| Net charge-offs to loans | -0.0082% | 6,440 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9461% | 6,819 |
| Assets per employee ($millions) | 9.2630% | 302 |
| Cash dividends to net income (ytd only)* | 41.3194% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,852 |
| Loan loss allowance to noncurrent loans | 43.4309% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 2.2655% | 2,167 |
| Noncurrent loans to loans | 2.8877% | 1,811 |
| Net loans and leases to total assets | 77.4710% | 734 |
| Net loans and leases to deposits | 84.8444% | 1,655 |
| Net loans and leases to core deposits | 95.2953% | 1,360 |
| Total domestic deposits to total assets | 91.3095% | 397 |
| Equity capital to assets | 8.1229% | 6,340 |
| Core capital (leverage) ratio | 8.6482% | 5,399 |
| Tier 1 risk-based capital ratio | 9.5757% | 6,790 |
| Total risk-based capital ratio | 10.7396% | 6,796 |
| Memoranda: | ||
| Average total assets | $59,783,200 | 5,929 |
| Average earning assets | $56,596,000 | 5,846 |
| Average equity | $5,207,600 | 6,240 |
| Average total loans | $48,571,800 | 5,156 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 3,756 |
| Cost of funding earning assets | 1.1268% | 955 |
| Net interest margin | 3.3418% | 5,239 |
| Noninterest income to average assets | 0.0820% | 6,682 |
| Noninterest expense to average assets | 1.3306% | 7,028 |
| Loan and lease loss provision to assets | 0.2278% | 2,780 |
| Net operating income to assets | 1.1073% | 2,062 |
| Return on assets (ROA) | 1.1073% | 2,249 |
| Pretax return on assets | 1.6860% | 1,305 |
| Return on Equity (ROE) | 12.4786% | 1,475 |
| Retained earnings to average equity (ytd only) | 12.4786% | 449 |
| Net charge-offs to loans | -0.0056% | 6,283 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0112% | 6,996 |
| Assets per employee ($millions) | 8.4807% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,782 |
| Loan loss allowance to noncurrent loans | 28.4955% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 3.1685% | 1,627 |
| Noncurrent loans to loans | 3.8058% | 1,386 |
| Net loans and leases to total assets | 82.3532% | 316 |
| Net loans and leases to deposits | 91.5524% | 1,012 |
| Net loans and leases to core deposits | 103.3310% | 910 |
| Total domestic deposits to total assets | 89.9520% | 875 |
| Equity capital to assets | 9.1316% | 5,671 |
| Core capital (leverage) ratio | 9.2701% | 4,643 |
| Tier 1 risk-based capital ratio | 10.2811% | 6,731 |
| Total risk-based capital ratio | 11.3020% | 6,763 |
| Memoranda: | ||
| Average total assets | $58,518,750 | 6,028 |
| Average earning assets | $55,377,750 | 5,953 |
| Average equity | $5,192,750 | 6,311 |
| Average total loans | $47,997,000 | 5,236 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 3,260 |
| Cost of funding earning assets | 1.1478% | 1,039 |
| Net interest margin | 3.4760% | 4,777 |
| Noninterest income to average assets | 0.0893% | 6,720 |
| Noninterest expense to average assets | 1.3256% | 7,095 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3462% | 1,315 |
| Return on assets (ROA) | 1.3462% | 1,471 |
| Pretax return on assets | 2.0606% | 622 |
| Return on Equity (ROE) | 15.3225% | 884 |
| Retained earnings to average equity (ytd only) | 15.3225% | 267 |
| Net charge-offs to loans | 0.0126% | 5,274 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 225 |
| Efficiency ratio | 39.1481% | 7,076 |
| Assets per employee ($millions) | 8.1531% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 6,500 |
| Loan loss allowance to noncurrent loans | 27.9507% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 2.7019% | 2,040 |
| Noncurrent loans to loans | 3.1624% | 1,844 |
| Net loans and leases to total assets | 84.6808% | 187 |
| Net loans and leases to deposits | 95.1546% | 684 |
| Net loans and leases to core deposits | 107.9519% | 664 |
| Total domestic deposits to total assets | 88.9929% | 1,508 |
| Equity capital to assets | 9.3251% | 5,288 |
| Core capital (leverage) ratio | 9.2165% | 4,584 |
| Tier 1 risk-based capital ratio | 10.3553% | 6,740 |
| Total risk-based capital ratio | 11.1968% | 6,825 |
| Memoranda: | ||
| Average total assets | $58,236,670 | 6,070 |
| Average earning assets | $55,236,000 | 5,988 |
| Average equity | $5,116,670 | 6,362 |
| Average total loans | $47,521,000 | 5,283 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 3,834 |
| Cost of funding earning assets | 1.1754% | 1,085 |
| Net interest margin | 3.3459% | 5,316 |
| Noninterest income to average assets | 0.0952% | 6,769 |
| Noninterest expense to average assets | 1.2513% | 7,193 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3125% | 1,427 |
| Return on assets (ROA) | 1.3125% | 1,592 |
| Pretax return on assets | 1.9994% | 734 |
| Return on Equity (ROE) | 15.3969% | 908 |
| Retained earnings to average equity (ytd only) | 15.3969% | 416 |
| Net charge-offs to loans | -0.0085% | 5,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4937% | 7,139 |
| Assets per employee ($millions) | 8.2486% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 6,466 |
| Loan loss allowance to noncurrent loans | 40.0184% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 1.8826% | 3,072 |
| Noncurrent loans to loans | 2.3292% | 2,779 |
| Net loans and leases to total assets | 80.0710% | 396 |
| Net loans and leases to deposits | 88.5876% | 1,097 |
| Net loans and leases to core deposits | 102.6784% | 827 |
| Total domestic deposits to total assets | 90.3862% | 873 |
| Equity capital to assets | 8.8431% | 5,704 |
| Core capital (leverage) ratio | 8.5449% | 5,515 |
| Tier 1 risk-based capital ratio | 10.1843% | 6,835 |
| Total risk-based capital ratio | 11.0521% | 6,918 |
| Memoranda: | ||
| Average total assets | $58,819,000 | 6,098 |
| Average earning assets | $55,471,000 | 6,016 |
| Average equity | $5,014,000 | 6,425 |
| Average total loans | $46,901,500 | 5,346 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 4,289 |
| Cost of funding earning assets | 1.5095% | 690 |
| Net interest margin | 3.1801% | 6,156 |
| Noninterest income to average assets | 0.1153% | 6,572 |
| Noninterest expense to average assets | 1.4899% | 7,174 |
| Loan and lease loss provision to assets | 0.2252% | 3,953 |
| Net operating income to assets | 0.9620% | 2,351 |
| Return on assets (ROA) | 0.9620% | 2,480 |
| Pretax return on assets | 1.4250% | 1,698 |
| Return on Equity (ROE) | 11.4933% | 1,560 |
| Retained earnings to average equity (ytd only) | 11.4933% | 348 |
| Net charge-offs to loans | 0.2366% | 4,296 |
| Credit loss provision to net charge-offs | 121.3592% | 2,609 |
| Earnings coverage of net charge-offs (x) | 8.8932% | 2,071 |
| Efficiency ratio | 47.4469% | 6,969 |
| Assets per employee ($millions) | 8.5569% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 6,484 |
| Loan loss allowance to noncurrent loans | 56.6580% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.2788% | 4,084 |
| Noncurrent loans to loans | 1.6251% | 3,723 |
| Net loans and leases to total assets | 77.9675% | 713 |
| Net loans and leases to deposits | 85.5392% | 1,727 |
| Net loans and leases to core deposits | 95.8009% | 1,512 |
| Total domestic deposits to total assets | 91.1483% | 442 |
| Equity capital to assets | 8.2173% | 6,423 |
| Core capital (leverage) ratio | 8.7183% | 5,222 |
| Tier 1 risk-based capital ratio | 9.7508% | 6,912 |
| Total risk-based capital ratio | 10.6125% | 6,981 |
| Memoranda: | ||
| Average total assets | $55,508,800 | 6,181 |
| Average earning assets | $52,797,800 | 6,087 |
| Average equity | $4,646,200 | 6,548 |
| Average total loans | $43,532,000 | 5,539 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 4,628 |
| Cost of funding earning assets | 1.5750% | 651 |
| Net interest margin | 3.0863% | 6,414 |
| Noninterest income to average assets | 0.1225% | 6,648 |
| Noninterest expense to average assets | 1.3036% | 7,310 |
| Loan and lease loss provision to assets | 0.3063% | 3,082 |
| Net operating income to assets | 1.0022% | 2,310 |
| Return on assets (ROA) | 1.0022% | 2,461 |
| Pretax return on assets | 1.4849% | 1,690 |
| Return on Equity (ROE) | 11.9137% | 1,570 |
| Retained earnings to average equity (ytd only) | 11.9137% | 508 |
| Net charge-offs to loans | 0.3190% | 3,508 |
| Credit loss provision to net charge-offs | 122.5490% | 2,638 |
| Earnings coverage of net charge-offs (x) | 7.1665% | 2,408 |
| Efficiency ratio | 42.1219% | 7,205 |
| Assets per employee ($millions) | 8.1439% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 6,284 |
| Loan loss allowance to noncurrent loans | 52.7913% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.4454% | 3,954 |
| Noncurrent loans to loans | 1.8889% | 3,520 |
| Net loans and leases to total assets | 75.7609% | 1,012 |
| Net loans and leases to deposits | 83.6056% | 2,064 |
| Net loans and leases to core deposits | 90.6818% | 2,164 |
| Total domestic deposits to total assets | 90.6169% | 582 |
| Equity capital to assets | 8.4025% | 6,394 |
| Core capital (leverage) ratio | 8.8069% | 5,255 |
| Tier 1 risk-based capital ratio | 10.1352% | 6,914 |
| Total risk-based capital ratio | 11.0556% | 6,998 |
| Memoranda: | ||
| Average total assets | $54,411,500 | 6,265 |
| Average earning assets | $52,402,250 | 6,152 |
| Average equity | $4,577,250 | 6,617 |
| Average total loans | $42,631,250 | 5,623 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6471% | 4,768 |
| Cost of funding earning assets | 1.6470% | 575 |
| Net interest margin | 3.0001% | 6,608 |
| Noninterest income to average assets | 0.1233% | 6,715 |
| Noninterest expense to average assets | 1.3297% | 7,386 |
| Loan and lease loss provision to assets | 0.2801% | 3,139 |
| Net operating income to assets | 0.9562% | 2,412 |
| Return on assets (ROA) | 0.9562% | 2,509 |
| Pretax return on assets | 1.4119% | 1,769 |
| Return on Equity (ROE) | 11.3618% | 1,683 |
| Retained earnings to average equity (ytd only) | 11.3618% | 611 |
| Net charge-offs to loans | 0.4870% | 2,640 |
| Credit loss provision to net charge-offs | 72.8155% | 3,990 |
| Earnings coverage of net charge-offs (x) | 4.3981% | 2,869 |
| Efficiency ratio | 44.0049% | 7,234 |
| Assets per employee ($millions) | 7.5316% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 6,676 |
| Loan loss allowance to noncurrent loans | 56.5538% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 4,323 |
| Noncurrent loans to loans | 1.5801% | 4,029 |
| Net loans and leases to total assets | 80.7819% | 465 |
| Net loans and leases to deposits | 89.4671% | 1,332 |
| Net loans and leases to core deposits | 99.7868% | 1,361 |
| Total domestic deposits to total assets | 90.2923% | 817 |
| Equity capital to assets | 8.8124% | 5,805 |
| Core capital (leverage) ratio | 8.5062% | 5,545 |
| Tier 1 risk-based capital ratio | 10.1672% | 6,926 |
| Total risk-based capital ratio | 11.0075% | 7,041 |
| Memoranda: | ||
| Average total assets | $53,546,330 | 6,349 |
| Average earning assets | $51,731,330 | 6,227 |
| Average equity | $4,506,330 | 6,677 |
| Average total loans | $42,300,330 | 5,691 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 5,399 |
| Cost of funding earning assets | 1.6448% | 689 |
| Net interest margin | 2.8361% | 6,857 |
| Noninterest income to average assets | 0.1038% | 6,891 |
| Noninterest expense to average assets | 1.3195% | 7,447 |
| Loan and lease loss provision to assets | 0.3707% | 2,335 |
| Net operating income to assets | 0.7932% | 3,064 |
| Return on assets (ROA) | 0.7932% | 3,134 |
| Pretax return on assets | 1.1490% | 2,570 |
| Return on Equity (ROE) | 9.6472% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.6472% | 1,199 |
| Net charge-offs to loans | 0.9818% | 1,378 |
| Credit loss provision to net charge-offs | 48.5437% | 3,781 |
| Earnings coverage of net charge-offs (x) | 1.9903% | 3,317 |
| Efficiency ratio | 46.4752% | 7,185 |
| Assets per employee ($millions) | 7.8151% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 6,701 |
| Loan loss allowance to noncurrent loans | 74.3271% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 5,146 |
| Noncurrent loans to loans | 1.2096% | 4,664 |
| Net loans and leases to total assets | 72.3321% | 1,649 |
| Net loans and leases to deposits | 79.4594% | 2,814 |
| Net loans and leases to core deposits | 90.2745% | 2,316 |
| Total domestic deposits to total assets | 91.0302% | 615 |
| Equity capital to assets | 8.2148% | 6,264 |
| Core capital (leverage) ratio | 7.2881% | 6,867 |
| Tier 1 risk-based capital ratio | 10.3194% | 6,897 |
| Total risk-based capital ratio | 11.1438% | 7,046 |
| Memoranda: | ||
| Average total assets | $53,959,000 | 6,374 |
| Average earning assets | $52,043,500 | 6,271 |
| Average equity | $4,436,500 | 6,728 |
| Average total loans | $41,964,000 | 5,759 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 5,192 |
| Cost of funding earning assets | 1.8158% | 1,109 |
| Net interest margin | 3.0459% | 6,647 |
| Noninterest income to average assets | 0.1123% | 6,838 |
| Noninterest expense to average assets | 1.3817% | 7,494 |
| Loan and lease loss provision to assets | 0.2340% | 4,940 |
| Net operating income to assets | 0.9474% | 2,211 |
| Return on assets (ROA) | 0.9474% | 2,338 |
| Pretax return on assets | 1.4080% | 1,642 |
| Return on Equity (ROE) | 11.4896% | 1,457 |
| Retained earnings to average equity (ytd only) | 1.9528% | 4,500 |
| Net charge-offs to loans | 0.2410% | 4,840 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 8.7700% | 1,925 |
| Efficiency ratio | 45.6966% | 7,367 |
| Assets per employee ($millions) | 8.8687% | 355 |
| Cash dividends to net income (ytd only)* | 83.0040% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 6,620 |
| Loan loss allowance to noncurrent loans | 67.8748% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 4,725 |
| Noncurrent loans to loans | 1.3796% | 4,417 |
| Net loans and leases to total assets | 81.9120% | 456 |
| Net loans and leases to deposits | 89.9406% | 1,534 |
| Net loans and leases to core deposits | 105.5375% | 1,220 |
| Total domestic deposits to total assets | 91.0734% | 567 |
| Equity capital to assets | 8.2293% | 6,228 |
| Core capital (leverage) ratio | 8.2332% | 5,782 |
| Tier 1 risk-based capital ratio | 9.4236% | 7,155 |
| Total risk-based capital ratio | 10.3104% | 7,239 |
| Memoranda: | ||
| Average total assets | $53,410,800 | 6,424 |
| Average earning assets | $51,051,800 | 6,323 |
| Average equity | $4,404,000 | 6,855 |
| Average total loans | $41,500,400 | 5,861 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 5,367 |
| Cost of funding earning assets | 1.8543% | 1,196 |
| Net interest margin | 3.0243% | 6,782 |
| Noninterest income to average assets | 0.1197% | 6,951 |
| Noninterest expense to average assets | 1.1996% | 7,662 |
| Loan and lease loss provision to assets | 0.1247% | 5,784 |
| Net operating income to assets | 1.1248% | 1,806 |
| Return on assets (ROA) | 1.1248% | 1,919 |
| Pretax return on assets | 1.6834% | 1,148 |
| Return on Equity (ROE) | 13.6346% | 1,113 |
| Retained earnings to average equity (ytd only) | 0.9371% | 5,431 |
| Net charge-offs to loans | 0.1794% | 4,879 |
| Credit loss provision to net charge-offs | 90.9091% | 4,729 |
| Earnings coverage of net charge-offs (x) | 13.1821% | 1,612 |
| Efficiency ratio | 39.8839% | 7,586 |
| Assets per employee ($millions) | 8.7875% | 375 |
| Cash dividends to net income (ytd only)* | 93.1268% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 6,702 |
| Loan loss allowance to noncurrent loans | 59.3168% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 4,709 |
| Noncurrent loans to loans | 1.5395% | 4,330 |
| Net loans and leases to total assets | 78.6174% | 940 |
| Net loans and leases to deposits | 86.6541% | 2,209 |
| Net loans and leases to core deposits | 102.9813% | 1,569 |
| Total domestic deposits to total assets | 90.7255% | 539 |
| Equity capital to assets | 8.2029% | 6,610 |
| Core capital (leverage) ratio | 8.3859% | 5,725 |
| Tier 1 risk-based capital ratio | 9.6621% | 7,202 |
| Total risk-based capital ratio | 10.5158% | 7,323 |
| Memoranda: | ||
| Average total assets | $53,460,500 | 6,495 |
| Average earning assets | $51,051,500 | 6,399 |
| Average equity | $4,410,250 | 6,938 |
| Average total loans | $40,875,750 | 5,967 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 5,442 |
| Cost of funding earning assets | 1.9107% | 1,202 |
| Net interest margin | 2.9779% | 6,877 |
| Noninterest income to average assets | 0.1229% | 6,982 |
| Noninterest expense to average assets | 1.1917% | 7,735 |
| Loan and lease loss provision to assets | 0.1862% | 5,009 |
| Net operating income to assets | 1.0539% | 2,003 |
| Return on assets (ROA) | 1.0539% | 2,073 |
| Pretax return on assets | 1.5715% | 1,380 |
| Return on Equity (ROE) | 12.7516% | 1,298 |
| Retained earnings to average equity (ytd only) | 12.7516% | 406 |
| Net charge-offs to loans | 0.2762% | 3,955 |
| Credit loss provision to net charge-offs | 89.2857% | 4,443 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,137 |
| Efficiency ratio | 40.4040% | 7,637 |
| Assets per employee ($millions) | 8.6993% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 6,658 |
| Loan loss allowance to noncurrent loans | 63.2890% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 4,822 |
| Noncurrent loans to loans | 1.4721% | 4,497 |
| Net loans and leases to total assets | 77.6151% | 1,175 |
| Net loans and leases to deposits | 85.8942% | 2,517 |
| Net loans and leases to core deposits | 105.6706% | 1,482 |
| Total domestic deposits to total assets | 90.3613% | 738 |
| Equity capital to assets | 8.7708% | 5,788 |
| Core capital (leverage) ratio | 8.1179% | 6,087 |
| Tier 1 risk-based capital ratio | 10.4554% | 6,719 |
| Total risk-based capital ratio | 11.3259% | 6,961 |
| Memoranda: | ||
| Average total assets | $53,705,670 | 6,530 |
| Average earning assets | $50,975,330 | 6,445 |
| Average equity | $4,438,670 | 6,959 |
| Average total loans | $40,556,670 | 6,023 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 6,360 |
| Cost of funding earning assets | 1.8890% | 1,497 |
| Net interest margin | 2.7756% | 7,220 |
| Noninterest income to average assets | 0.1249% | 7,057 |
| Noninterest expense to average assets | 1.1531% | 7,845 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0797% | 1,893 |
| Return on assets (ROA) | 1.0797% | 1,974 |
| Pretax return on assets | 1.6159% | 1,227 |
| Return on Equity (ROE) | 13.4585% | 1,159 |
| Retained earnings to average equity (ytd only) | 13.4585% | 564 |
| Net charge-offs to loans | 0.0297% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 73.3333% | 426 |
| Efficiency ratio | 41.6446% | 7,689 |
| Assets per employee ($millions) | 9.4672% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,678 |
| Loan loss allowance to noncurrent loans | 70.0730% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 5,226 |
| Noncurrent loans to loans | 1.3525% | 4,718 |
| Net loans and leases to total assets | 70.6530% | 2,770 |
| Net loans and leases to deposits | 77.2204% | 4,185 |
| Net loans and leases to core deposits | 98.9399% | 2,241 |
| Total domestic deposits to total assets | 91.4952% | 373 |
| Equity capital to assets | 7.8218% | 6,829 |
| Core capital (leverage) ratio | 8.1674% | 5,965 |
| Tier 1 risk-based capital ratio | 9.9950% | 7,041 |
| Total risk-based capital ratio | 10.8597% | 7,239 |
| Memoranda: | ||
| Average total assets | $54,460,500 | 6,590 |
| Average earning assets | $51,880,500 | 6,478 |
| Average equity | $4,369,000 | 7,050 |
| Average total loans | $40,388,500 | 6,106 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 5,634 |
| Cost of funding earning assets | 2.5073% | 1,015 |
| Net interest margin | 2.6962% | 7,214 |
| Noninterest income to average assets | 0.1437% | 7,021 |
| Noninterest expense to average assets | 1.4373% | 7,831 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8624% | 2,303 |
| Return on assets (ROA) | 0.8624% | 2,371 |
| Pretax return on assets | 1.2641% | 1,795 |
| Return on Equity (ROE) | 10.5649% | 1,531 |
| Retained earnings to average equity (ytd only) | 2.1226% | 3,618 |
| Net charge-offs to loans | 0.0237% | 6,906 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 71.3333% | 383 |
| Efficiency ratio | 53.2070% | 7,305 |
| Assets per employee ($millions) | 8.6863% | 386 |
| Cash dividends to net income (ytd only)* | 79.9087% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 6,576 |
| Loan loss allowance to noncurrent loans | 92.8058% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 5,505 |
| Noncurrent loans to loans | 1.0358% | 5,243 |
| Net loans and leases to total assets | 76.5052% | 1,694 |
| Net loans and leases to deposits | 84.0919% | 3,245 |
| Net loans and leases to core deposits | 115.1201% | 2,405 |
| Total domestic deposits to total assets | 90.9782% | 542 |
| Equity capital to assets | 8.2409% | 6,287 |
| Core capital (leverage) ratio | 8.2050% | 5,804 |
| Tier 1 risk-based capital ratio | 9.9895% | 6,877 |
| Total risk-based capital ratio | 10.8907% | 7,109 |
| Memoranda: | ||
| Average total assets | $50,788,400 | 6,677 |
| Average earning assets | $48,179,800 | 6,594 |
| Average equity | $4,145,800 | 7,234 |
| Average total loans | $37,973,200 | 6,201 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 5,801 |
| Cost of funding earning assets | 2.6208% | 980 |
| Net interest margin | 2.5986% | 7,358 |
| Noninterest income to average assets | 0.1242% | 7,266 |
| Noninterest expense to average assets | 1.2446% | 7,980 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9222% | 2,337 |
| Return on assets (ROA) | 0.9222% | 2,410 |
| Pretax return on assets | 1.3503% | 1,825 |
| Return on Equity (ROE) | 11.3258% | 1,537 |
| Retained earnings to average equity (ytd only) | -0.0324% | 5,213 |
| Net charge-offs to loans | 0.0428% | 6,305 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 42.5825% | 719 |
| Efficiency ratio | 47.9633% | 7,665 |
| Assets per employee ($millions) | 8.4237% | 443 |
| Cash dividends to net income (ytd only)* | 100.2880% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,317 |
| Loan loss allowance to noncurrent loans | 60.5678% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2742% | 4,522 |
| Noncurrent loans to loans | 1.6457% | 4,177 |
| Net loans and leases to total assets | 75.4620% | 2,107 |
| Net loans and leases to deposits | 83.2206% | 3,793 |
| Net loans and leases to core deposits | 117.5600% | 2,462 |
| Total domestic deposits to total assets | 90.6771% | 524 |
| Equity capital to assets | 8.3238% | 6,475 |
| Core capital (leverage) ratio | 8.5113% | 5,469 |
| Tier 1 risk-based capital ratio | 10.1967% | 6,780 |
| Total risk-based capital ratio | 11.1281% | 7,036 |
| Memoranda: | ||
| Average total assets | $50,456,000 | 6,738 |
| Average earning assets | $47,974,000 | 6,648 |
| Average equity | $4,108,500 | 7,320 |
| Average total loans | $37,401,500 | 6,265 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 6,226 |
| Cost of funding earning assets | 2.7454% | 916 |
| Net interest margin | 2.4143% | 7,558 |
| Noninterest income to average assets | 0.1309% | 7,307 |
| Noninterest expense to average assets | 1.2454% | 8,070 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8091% | 2,821 |
| Return on assets (ROA) | 0.8091% | 2,917 |
| Pretax return on assets | 1.1700% | 2,396 |
| Return on Equity (ROE) | 10.0106% | 2,020 |
| Retained earnings to average equity (ytd only) | -7.1645% | 6,581 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5599% | 7,552 |
| Assets per employee ($millions) | 8.4218% | 419 |
| Cash dividends to net income (ytd only)* | 171.5686% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 5,830 |
| Loan loss allowance to noncurrent loans | 126.1146% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 5,862 |
| Noncurrent loans to loans | 0.8412% | 5,539 |
| Net loans and leases to total assets | 73.0878% | 2,944 |
| Net loans and leases to deposits | 80.2137% | 4,514 |
| Net loans and leases to core deposits | 112.7832% | 3,044 |
| Total domestic deposits to total assets | 91.1163% | 422 |
| Equity capital to assets | 8.0367% | 6,708 |
| Core capital (leverage) ratio | 8.2132% | 5,963 |
| Tier 1 risk-based capital ratio | 10.2050% | 6,705 |
| Total risk-based capital ratio | 11.2008% | 6,913 |
| Memoranda: | ||
| Average total assets | $50,427,330 | 6,804 |
| Average earning assets | $47,715,670 | 6,718 |
| Average equity | $4,075,670 | 7,383 |
| Average total loans | $37,027,330 | 6,342 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 6,213 |
| Cost of funding earning assets | 2.8513% | 866 |
| Net interest margin | 2.3705% | 7,650 |
| Noninterest income to average assets | 0.1191% | 7,428 |
| Noninterest expense to average assets | 1.1752% | 8,120 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8099% | 3,089 |
| Return on assets (ROA) | 0.8099% | 3,247 |
| Pretax return on assets | 1.1752% | 2,699 |
| Return on Equity (ROE) | 9.9927% | 2,322 |
| Retained earnings to average equity (ytd only) | -24.2959% | 7,754 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 7,588 |
| Assets per employee ($millions) | 8.3507% | 440 |
| Cash dividends to net income (ytd only)* | 343.1373% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 5,528 |
| Loan loss allowance to noncurrent loans | 94.5107% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 5,097 |
| Noncurrent loans to loans | 1.1549% | 4,678 |
| Net loans and leases to total assets | 71.6210% | 3,319 |
| Net loans and leases to deposits | 78.9914% | 4,775 |
| Net loans and leases to core deposits | 108.6700% | 3,598 |
| Total domestic deposits to total assets | 90.6694% | 529 |
| Equity capital to assets | 7.9016% | 6,952 |
| Core capital (leverage) ratio | 7.8677% | 6,669 |
| Tier 1 risk-based capital ratio | 10.0874% | 6,819 |
| Total risk-based capital ratio | 11.0969% | 6,991 |
| Memoranda: | ||
| Average total assets | $50,375,500 | 6,851 |
| Average earning assets | $47,417,000 | 6,769 |
| Average equity | $4,083,000 | 7,427 |
| Average total loans | $36,877,000 | 6,386 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9171% | 5,954 |
| Cost of funding earning assets | 3.4767% | 560 |
| Net interest margin | 2.4404% | 7,817 |
| Noninterest income to average assets | 0.1161% | 7,541 |
| Noninterest expense to average assets | 1.3086% | 8,116 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7764% | 3,539 |
| Return on assets (ROA) | 0.7764% | 3,382 |
| Pretax return on assets | 1.1305% | 2,920 |
| Return on Equity (ROE) | 9.3988% | 2,473 |
| Retained earnings to average equity (ytd only) | 2.6162% | 3,559 |
| Net charge-offs to loans | 0.1055% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 14.8684% | 1,992 |
| Efficiency ratio | 53.6505% | 7,307 |
| Assets per employee ($millions) | 8.4412% | 407 |
| Cash dividends to net income (ytd only)* | 72.1649% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 5,566 |
| Loan loss allowance to noncurrent loans | 792.0000% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 7,185 |
| Noncurrent loans to loans | 0.1334% | 7,018 |
| Net loans and leases to total assets | 73.2067% | 3,312 |
| Net loans and leases to deposits | 80.6442% | 4,937 |
| Net loans and leases to core deposits | 111.9171% | 3,572 |
| Total domestic deposits to total assets | 90.7773% | 394 |
| Equity capital to assets | 8.3065% | 6,413 |
| Core capital (leverage) ratio | 8.3058% | 5,937 |
| Tier 1 risk-based capital ratio | 10.3571% | 6,356 |
| Total risk-based capital ratio | 11.3325% | 6,523 |
| Memoranda: | ||
| Average total assets | $49,977,400 | 6,775 |
| Average earning assets | $47,573,600 | 6,684 |
| Average equity | $4,128,200 | 7,461 |
| Average total loans | $36,017,600 | 6,366 |