Home > Tarboro Savings Bank, SSB > Performance and Condition Ratios
Tarboro Savings Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 3,101 |
| Cost of funding earning assets | 2.0576% | 839 |
| Net interest margin | 2.4412% | 4,151 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.4152% | 2,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0766% | 4,421 |
| Return on assets (ROA) | -0.0766% | 4,404 |
| Pretax return on assets | -0.1168% | 4,407 |
| Return on Equity (ROE) | -0.5600% | 4,370 |
| Retained earnings to average equity (ytd only) | -0.5600% | 4,144 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 105.0833% | 142 |
| Assets per employee ($millions) | 7.4950% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4100% | 4,382 |
| Loan loss allowance to noncurrent loans | 198.7952% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,477 |
| Noncurrent loans to loans | 0.2063% | 2,482 |
| Net loans and leases to total assets | 76.3900% | 1,069 |
| Net loans and leases to deposits | 90.4550% | 1,229 |
| Net loans and leases to core deposits | 106.0294% | 1,111 |
| Total domestic deposits to total assets | 84.4500% | 2,485 |
| Equity capital to assets | 13.5023% | 769 |
| Core capital (leverage) ratio | 13.2125% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $52,210,000 | 4,298 |
| Average earning assets | $45,879,800 | 4,292 |
| Average equity | $7,143,200 | 4,028 |
| Average total loans | $39,504,200 | 4,003 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 2,986 |
| Cost of funding earning assets | 1.8252% | 972 |
| Net interest margin | 2.6373% | 3,971 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.3370% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1176% | 4,304 |
| Return on assets (ROA) | 0.1176% | 4,322 |
| Pretax return on assets | 0.1304% | 4,321 |
| Return on Equity (ROE) | 0.8600% | 4,328 |
| Retained earnings to average equity (ytd only) | 0.8568% | 3,978 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 94.7150% | 257 |
| Assets per employee ($millions) | 8.6933% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4173% | 4,397 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.4800% | 1,178 |
| Net loans and leases to deposits | 87.6840% | 1,413 |
| Net loans and leases to core deposits | 100.4388% | 1,296 |
| Total domestic deposits to total assets | 86.0800% | 2,162 |
| Equity capital to assets | 13.7462% | 686 |
| Core capital (leverage) ratio | 13.5255% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $52,146,250 | 4,316 |
| Average earning assets | $45,803,250 | 4,312 |
| Average equity | $7,158,000 | 4,032 |
| Average total loans | $39,319,750 | 4,021 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 2,880 |
| Cost of funding earning assets | 1.6246% | 1,009 |
| Net interest margin | 2.7776% | 3,854 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.3513% | 2,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2033% | 4,274 |
| Return on assets (ROA) | 0.2033% | 4,295 |
| Pretax return on assets | 0.2416% | 4,280 |
| Return on Equity (ROE) | 1.4800% | 4,332 |
| Retained earnings to average equity (ytd only) | 1.4817% | 3,832 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.6805% | 337 |
| Assets per employee ($millions) | 7.4174% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4172% | 4,431 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 75.8500% | 1,070 |
| Net loans and leases to deposits | 88.1502% | 1,332 |
| Net loans and leases to core deposits | 100.9355% | 1,185 |
| Total domestic deposits to total assets | 86.0400% | 2,215 |
| Equity capital to assets | 13.8227% | 668 |
| Core capital (leverage) ratio | 13.4195% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $52,141,667 | 4,335 |
| Average earning assets | $45,795,333 | 4,331 |
| Average equity | $7,154,000 | 4,058 |
| Average total loans | $39,247,667 | 4,033 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,792 |
| Cost of funding earning assets | 1.4464% | 946 |
| Net interest margin | 2.8580% | 3,855 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.3187% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2831% | 4,271 |
| Return on assets (ROA) | 0.2831% | 4,235 |
| Pretax return on assets | 0.3444% | 4,211 |
| Return on Equity (ROE) | 2.0700% | 4,298 |
| Retained earnings to average equity (ytd only) | 2.0681% | 3,691 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.0690% | 464 |
| Assets per employee ($millions) | 8.6705% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4192% | 4,488 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 75.3400% | 1,043 |
| Net loans and leases to deposits | 87.5396% | 1,247 |
| Net loans and leases to core deposits | 99.4772% | 1,116 |
| Total domestic deposits to total assets | 86.0700% | 2,567 |
| Equity capital to assets | 13.7651% | 625 |
| Core capital (leverage) ratio | 13.2542% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,270,000 | 4,392 |
| Average earning assets | $45,906,000 | 4,391 |
| Average equity | $7,156,500 | 4,100 |
| Average total loans | $39,098,000 | 4,084 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 1,838 |
| Cost of funding earning assets | 0.8069% | 375 |
| Net interest margin | 3.1478% | 3,030 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.4584% | 2,245 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.3680% | 4,288 |
| Return on assets (ROA) | 0.3680% | 4,256 |
| Pretax return on assets | 0.4840% | 4,187 |
| Return on Equity (ROE) | 2.8300% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.8318% | 3,768 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.8270% | 553 |
| Assets per employee ($millions) | 7.5024% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4249% | 4,486 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 73.6400% | 1,257 |
| Net loans and leases to deposits | 85.4060% | 1,360 |
| Net loans and leases to core deposits | 95.2464% | 1,243 |
| Total domestic deposits to total assets | 86.2200% | 2,670 |
| Equity capital to assets | 13.6184% | 613 |
| Core capital (leverage) ratio | 13.1475% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $54,344,000 | 4,394 |
| Average earning assets | $47,716,000 | 4,400 |
| Average equity | $7,062,600 | 4,203 |
| Average total loans | $38,256,200 | 4,096 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 1,593 |
| Cost of funding earning assets | 0.7894% | 162 |
| Net interest margin | 3.0689% | 3,024 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.3284% | 2,550 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.4379% | 4,184 |
| Return on assets (ROA) | 0.4379% | 4,130 |
| Pretax return on assets | 0.5499% | 4,068 |
| Return on Equity (ROE) | 3.4100% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.4089% | 3,662 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.2179% | 764 |
| Assets per employee ($millions) | 7.6059% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4180% | 4,533 |
| Loan loss allowance to noncurrent loans | 503.1250% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,289 |
| Noncurrent loans to loans | 0.0831% | 3,286 |
| Net loans and leases to total assets | 72.0400% | 1,296 |
| Net loans and leases to deposits | 83.4334% | 1,342 |
| Net loans and leases to core deposits | 93.4282% | 1,118 |
| Total domestic deposits to total assets | 86.3500% | 2,969 |
| Equity capital to assets | 13.3957% | 630 |
| Core capital (leverage) ratio | 13.0436% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $54,800,750 | 4,426 |
| Average earning assets | $48,137,750 | 4,426 |
| Average equity | $7,040,250 | 4,249 |
| Average total loans | $38,111,250 | 4,125 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 1,407 |
| Cost of funding earning assets | 0.8012% | 99 |
| Net interest margin | 2.9541% | 3,022 |
| Noninterest income to average assets | 0.2495% | 3,680 |
| Noninterest expense to average assets | 2.3282% | 2,466 |
| Loan and lease loss provision to assets | 0.0217% | 2,212 |
| Net operating income to assets | 0.3977% | 4,111 |
| Return on assets (ROA) | 0.3977% | 4,062 |
| Pretax return on assets | 0.4989% | 4,001 |
| Return on Equity (ROE) | 3.1385% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.1385% | 3,402 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7259% | 822 |
| Assets per employee ($millions) | 7.6151% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4083% | 4,616 |
| Loan loss allowance to noncurrent loans | 178.4091% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,548 |
| Noncurrent loans to loans | 0.2289% | 2,577 |
| Net loans and leases to total assets | 71.8343% | 1,119 |
| Net loans and leases to deposits | 82.9567% | 1,186 |
| Net loans and leases to core deposits | 92.8178% | 982 |
| Total domestic deposits to total assets | 86.5925% | 3,083 |
| Equity capital to assets | 13.2480% | 622 |
| Core capital (leverage) ratio | 12.6267% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,320,667 | 4,462 |
| Average earning assets | $48,677,667 | 4,474 |
| Average equity | $7,009,667 | 4,319 |
| Average total loans | $37,976,000 | 4,176 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 1,421 |
| Cost of funding earning assets | 0.8295% | 74 |
| Net interest margin | 2.8026% | 3,132 |
| Noninterest income to average assets | 0.3764% | 2,831 |
| Noninterest expense to average assets | 2.2440% | 2,708 |
| Loan and lease loss provision to assets | 0.0355% | 1,723 |
| Net operating income to assets | 0.4474% | 3,851 |
| Return on assets (ROA) | 0.4474% | 3,818 |
| Pretax return on assets | 0.5681% | 3,710 |
| Return on Equity (ROE) | 3.6085% | 3,964 |
| Retained earnings to average equity (ytd only) | 3.6085% | 3,066 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8030% | 1,244 |
| Assets per employee ($millions) | 7.7803% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4082% | 4,641 |
| Loan loss allowance to noncurrent loans | 175.2809% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 2,658 |
| Noncurrent loans to loans | 0.2329% | 2,660 |
| Net loans and leases to total assets | 69.8762% | 1,035 |
| Net loans and leases to deposits | 80.3140% | 1,126 |
| Net loans and leases to core deposits | 92.7087% | 789 |
| Total domestic deposits to total assets | 87.0038% | 2,927 |
| Equity capital to assets | 12.8805% | 717 |
| Core capital (leverage) ratio | 11.8669% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,328,000 | 4,478 |
| Average earning assets | $49,669,000 | 4,488 |
| Average equity | $6,983,500 | 4,362 |
| Average total loans | $37,739,500 | 4,196 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 2,345 |
| Cost of funding earning assets | 0.9878% | 79 |
| Net interest margin | 2.6256% | 4,011 |
| Noninterest income to average assets | 0.1468% | 4,423 |
| Noninterest expense to average assets | 2.2274% | 2,994 |
| Loan and lease loss provision to assets | -0.0307% | 4,277 |
| Net operating income to assets | 0.2372% | 4,498 |
| Return on assets (ROA) | 0.2372% | 4,512 |
| Pretax return on assets | 0.2731% | 4,516 |
| Return on Equity (ROE) | 2.0179% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.0179% | 3,974 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1866% | 324 |
| Assets per employee ($millions) | 8.3134% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4052% | 4,680 |
| Loan loss allowance to noncurrent loans | 3.6012% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 7.2052% | 11 |
| Noncurrent loans to loans | 11.2512% | 13 |
| Net loans and leases to total assets | 63.7798% | 1,731 |
| Net loans and leases to deposits | 80.3655% | 1,187 |
| Net loans and leases to core deposits | 93.6871% | 795 |
| Total domestic deposits to total assets | 79.3621% | 4,277 |
| Equity capital to assets | 11.9462% | 1,273 |
| Core capital (leverage) ratio | 11.7027% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3330% | 530 |
| Memoranda: | ||
| Average total assets | $58,589,600 | 4,471 |
| Average earning assets | $51,834,800 | 4,489 |
| Average equity | $6,888,400 | 4,436 |
| Average total loans | $37,261,400 | 4,243 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6535% | 2,407 |
| Cost of funding earning assets | 1.0219% | 79 |
| Net interest margin | 2.6317% | 4,091 |
| Noninterest income to average assets | 0.1181% | 4,588 |
| Noninterest expense to average assets | 2.1628% | 3,193 |
| Loan and lease loss provision to assets | -0.0358% | 4,410 |
| Net operating income to assets | 0.2613% | 4,567 |
| Return on assets (ROA) | 0.2613% | 4,590 |
| Pretax return on assets | 0.3203% | 4,574 |
| Return on Equity (ROE) | 2.2311% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.2311% | 4,127 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3937% | 363 |
| Assets per employee ($millions) | 8.4856% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4038% | 4,762 |
| Loan loss allowance to noncurrent loans | 1,530.0000% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,097 |
| Noncurrent loans to loans | 0.0264% | 4,006 |
| Net loans and leases to total assets | 63.5246% | 1,832 |
| Net loans and leases to deposits | 79.5300% | 1,331 |
| Net loans and leases to core deposits | 92.8698% | 875 |
| Total domestic deposits to total assets | 79.8751% | 4,245 |
| Equity capital to assets | 11.6635% | 1,563 |
| Core capital (leverage) ratio | 11.5286% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8579% | 2,026 |
| Memoranda: | ||
| Average total assets | $58,688,500 | 4,527 |
| Average earning assets | $51,930,250 | 4,550 |
| Average equity | $6,872,500 | 4,496 |
| Average total loans | $37,260,000 | 4,302 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 2,330 |
| Cost of funding earning assets | 1.0636% | 80 |
| Net interest margin | 2.6377% | 4,103 |
| Noninterest income to average assets | 0.1163% | 4,620 |
| Noninterest expense to average assets | 2.2685% | 2,854 |
| Loan and lease loss provision to assets | -0.0513% | 4,523 |
| Net operating income to assets | 0.2053% | 4,627 |
| Return on assets (ROA) | 0.2053% | 4,642 |
| Pretax return on assets | 0.2327% | 4,648 |
| Return on Equity (ROE) | 1.7508% | 4,618 |
| Retained earnings to average equity (ytd only) | 1.7508% | 4,175 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5978% | 281 |
| Assets per employee ($millions) | 8.3863% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4112% | 4,789 |
| Loan loss allowance to noncurrent loans | 1,540.0000% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,169 |
| Noncurrent loans to loans | 0.0267% | 4,081 |
| Net loans and leases to total assets | 63.5374% | 2,005 |
| Net loans and leases to deposits | 79.7328% | 1,451 |
| Net loans and leases to core deposits | 93.2825% | 942 |
| Total domestic deposits to total assets | 79.6879% | 4,271 |
| Equity capital to assets | 11.7079% | 1,515 |
| Core capital (leverage) ratio | 11.5865% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6137% | 2,511 |
| Memoranda: | ||
| Average total assets | $58,451,667 | 4,558 |
| Average earning assets | $51,712,000 | 4,575 |
| Average equity | $6,854,000 | 4,522 |
| Average total loans | $37,051,333 | 4,334 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 2,259 |
| Cost of funding earning assets | 1.1024% | 85 |
| Net interest margin | 2.6396% | 4,078 |
| Noninterest income to average assets | 0.1715% | 4,337 |
| Noninterest expense to average assets | 2.0643% | 3,524 |
| Loan and lease loss provision to assets | -0.1029% | 4,723 |
| Net operating income to assets | 0.4321% | 4,308 |
| Return on assets (ROA) | 0.4321% | 4,338 |
| Pretax return on assets | 0.5418% | 4,290 |
| Return on Equity (ROE) | 3.6818% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.6818% | 3,599 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4658% | 677 |
| Assets per employee ($millions) | 7.1948% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4164% | 4,817 |
| Loan loss allowance to noncurrent loans | 1,540.0000% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 4,253 |
| Noncurrent loans to loans | 0.0270% | 4,153 |
| Net loans and leases to total assets | 63.9928% | 2,045 |
| Net loans and leases to deposits | 80.7139% | 1,452 |
| Net loans and leases to core deposits | 94.1707% | 972 |
| Total domestic deposits to total assets | 79.2835% | 4,299 |
| Equity capital to assets | 11.9462% | 1,312 |
| Core capital (leverage) ratio | 11.4142% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,325,500 | 4,576 |
| Average earning assets | $51,522,000 | 4,596 |
| Average equity | $6,844,500 | 4,538 |
| Average total loans | $36,850,500 | 4,362 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 3,446 |
| Cost of funding earning assets | 1.4758% | 92 |
| Net interest margin | 2.2735% | 4,733 |
| Noninterest income to average assets | 0.1721% | 4,423 |
| Noninterest expense to average assets | 2.5278% | 2,762 |
| Loan and lease loss provision to assets | 0.1212% | 2,852 |
| Net operating income to assets | -0.2635% | 4,829 |
| Return on assets (ROA) | -0.2635% | 4,843 |
| Pretax return on assets | -0.4743% | 4,874 |
| Return on Equity (ROE) | -2.1686% | 4,852 |
| Retained earnings to average equity (ytd only) | -2.1686% | 4,717 |
| Net charge-offs to loans | 0.1220% | 1,277 |
| Credit loss provision to net charge-offs | 156.8182% | 2,385 |
| Earnings coverage of net charge-offs (x) | -4.5682% | 3,377 |
| Efficiency ratio | 116.2359% | 89 |
| Assets per employee ($millions) | 7.3866% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4603% | 4,816 |
| Loan loss allowance to noncurrent loans | 78.6047% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 2,246 |
| Noncurrent loans to loans | 0.5856% | 2,238 |
| Net loans and leases to total assets | 61.8432% | 2,629 |
| Net loans and leases to deposits | 77.4275% | 2,131 |
| Net loans and leases to core deposits | 89.0668% | 1,602 |
| Total domestic deposits to total assets | 79.8724% | 4,064 |
| Equity capital to assets | 11.5293% | 1,861 |
| Core capital (leverage) ratio | 11.3053% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,927,400 | 4,554 |
| Average earning assets | $50,143,800 | 4,581 |
| Average equity | $6,917,000 | 4,537 |
| Average total loans | $36,054,600 | 4,387 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 3,591 |
| Cost of funding earning assets | 1.5638% | 94 |
| Net interest margin | 2.2275% | 4,804 |
| Noninterest income to average assets | 0.1466% | 4,571 |
| Noninterest expense to average assets | 2.2558% | 3,541 |
| Loan and lease loss provision to assets | 0.1135% | 2,902 |
| Net operating income to assets | -0.1844% | 4,836 |
| Return on assets (ROA) | -0.1844% | 4,847 |
| Pretax return on assets | -0.2625% | 4,855 |
| Return on Equity (ROE) | -1.4979% | 4,850 |
| Retained earnings to average equity (ytd only) | -1.4979% | 4,663 |
| Net charge-offs to loans | 0.1597% | 925 |
| Credit loss provision to net charge-offs | 111.6279% | 2,538 |
| Earnings coverage of net charge-offs (x) | -1.4651% | 3,164 |
| Efficiency ratio | 107.0707% | 122 |
| Assets per employee ($millions) | 8.3530% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4087% | 4,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 2,774 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 62.0940% | 2,999 |
| Net loans and leases to deposits | 78.0225% | 2,533 |
| Net loans and leases to core deposits | 90.0382% | 1,964 |
| Total domestic deposits to total assets | 79.5848% | 3,945 |
| Equity capital to assets | 11.7751% | 1,822 |
| Core capital (leverage) ratio | 11.3640% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,386,000 | 4,579 |
| Average earning assets | $49,620,500 | 4,614 |
| Average equity | $6,943,000 | 4,549 |
| Average total loans | $35,889,750 | 4,418 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 3,769 |
| Cost of funding earning assets | 1.6147% | 103 |
| Net interest margin | 2.2223% | 4,867 |
| Noninterest income to average assets | 0.1293% | 4,656 |
| Noninterest expense to average assets | 2.0614% | 4,113 |
| Loan and lease loss provision to assets | 0.0215% | 3,978 |
| Net operating income to assets | 0.0180% | 4,766 |
| Return on assets (ROA) | 0.0180% | 4,788 |
| Pretax return on assets | 0.0036% | 4,788 |
| Return on Equity (ROE) | 0.1436% | 4,787 |
| Retained earnings to average equity (ytd only) | 0.1436% | 4,287 |
| Net charge-offs to loans | 0.0448% | 1,853 |
| Credit loss provision to net charge-offs | 75.0000% | 2,526 |
| Earnings coverage of net charge-offs (x) | 0.8750% | 2,901 |
| Efficiency ratio | 98.7952% | 197 |
| Assets per employee ($millions) | 8.6217% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4035% | 4,907 |
| Loan loss allowance to noncurrent loans | 80.6818% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 1,564 |
| Noncurrent loans to loans | 0.5001% | 2,652 |
| Net loans and leases to total assets | 58.0826% | 3,504 |
| Net loans and leases to deposits | 72.5440% | 3,210 |
| Net loans and leases to core deposits | 84.3415% | 2,587 |
| Total domestic deposits to total assets | 80.0653% | 3,822 |
| Equity capital to assets | 11.5456% | 1,940 |
| Core capital (leverage) ratio | 11.8578% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,691,000 | 4,603 |
| Average earning assets | $49,049,333 | 4,636 |
| Average equity | $6,962,333 | 4,570 |
| Average total loans | $35,701,000 | 4,434 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,760 |
| Cost of funding earning assets | 1.5998% | 191 |
| Net interest margin | 2.4082% | 4,872 |
| Noninterest income to average assets | 0.1349% | 4,694 |
| Noninterest expense to average assets | 2.2862% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0075% | 4,756 |
| Return on assets (ROA) | -0.0075% | 4,745 |
| Pretax return on assets | -0.0300% | 4,747 |
| Return on Equity (ROE) | -0.0575% | 4,746 |
| Retained earnings to average equity (ytd only) | -0.0575% | 4,001 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3289% | 216 |
| Assets per employee ($millions) | 7.1579% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4014% | 4,945 |
| Loan loss allowance to noncurrent loans | 64.0000% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 1,593 |
| Noncurrent loans to loans | 0.6272% | 2,422 |
| Net loans and leases to total assets | 62.3998% | 3,253 |
| Net loans and leases to deposits | 78.9553% | 2,780 |
| Net loans and leases to core deposits | 90.5777% | 2,288 |
| Total domestic deposits to total assets | 79.0318% | 4,044 |
| Equity capital to assets | 12.1579% | 1,954 |
| Core capital (leverage) ratio | 13.3684% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,363,500 | 4,660 |
| Average earning assets | $47,007,000 | 4,693 |
| Average equity | $6,962,500 | 4,602 |
| Average total loans | $35,953,500 | 4,453 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 3,102 |
| Cost of funding earning assets | 1.5165% | 377 |
| Net interest margin | 2.9386% | 4,605 |
| Noninterest income to average assets | 0.1422% | 4,764 |
| Noninterest expense to average assets | 2.6275% | 3,099 |
| Loan and lease loss provision to assets | 0.1257% | 1,692 |
| Net operating income to assets | 0.0886% | 4,934 |
| Return on assets (ROA) | 0.0886% | 4,949 |
| Pretax return on assets | 0.0804% | 4,950 |
| Return on Equity (ROE) | 0.6079% | 4,952 |
| Retained earnings to average equity (ytd only) | 0.6079% | 4,513 |
| Net charge-offs to loans | 0.2121% | 966 |
| Credit loss provision to net charge-offs | 78.2051% | 2,815 |
| Earnings coverage of net charge-offs (x) | 1.2821% | 3,558 |
| Efficiency ratio | 92.7273% | 270 |
| Assets per employee ($millions) | 6.1943% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3719% | 5,002 |
| Loan loss allowance to noncurrent loans | 28.7554% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 703 |
| Noncurrent loans to loans | 1.2933% | 1,169 |
| Net loans and leases to total assets | 72.4402% | 2,020 |
| Net loans and leases to deposits | 84.5570% | 2,272 |
| Net loans and leases to core deposits | 95.8608% | 1,914 |
| Total domestic deposits to total assets | 85.6702% | 2,208 |
| Equity capital to assets | 14.2330% | 1,026 |
| Core capital (leverage) ratio | 14.2791% | 854 |
| Tier 1 risk-based capital ratio | 24.5749% | 782 |
| Total risk-based capital ratio | 25.0418% | 833 |
| Memoranda: | ||
| Average total assets | $48,524,400 | 4,774 |
| Average earning assets | $44,443,600 | 4,777 |
| Average equity | $7,073,800 | 4,632 |
| Average total loans | $36,779,800 | 4,482 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4845% | 3,108 |
| Cost of funding earning assets | 1.4769% | 439 |
| Net interest margin | 3.0076% | 4,614 |
| Noninterest income to average assets | 0.1436% | 4,823 |
| Noninterest expense to average assets | 2.3784% | 3,748 |
| Loan and lease loss provision to assets | 0.0304% | 3,294 |
| Net operating income to assets | 0.4199% | 4,688 |
| Return on assets (ROA) | 0.4199% | 4,715 |
| Pretax return on assets | 0.5138% | 4,684 |
| Return on Equity (ROE) | 2.8628% | 4,787 |
| Retained earnings to average equity (ytd only) | 2.8628% | 3,947 |
| Net charge-offs to loans | 0.1010% | 1,462 |
| Credit loss provision to net charge-offs | 39.2857% | 2,860 |
| Earnings coverage of net charge-offs (x) | 7.0362% | 2,781 |
| Efficiency ratio | 81.3800% | 805 |
| Assets per employee ($millions) | 6.1649% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3610% | 5,086 |
| Loan loss allowance to noncurrent loans | 15.9905% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.2202% | 357 |
| Noncurrent loans to loans | 2.2579% | 548 |
| Net loans and leases to total assets | 74.9812% | 1,651 |
| Net loans and leases to deposits | 87.8468% | 1,950 |
| Net loans and leases to core deposits | 96.8367% | 1,926 |
| Total domestic deposits to total assets | 85.3545% | 2,269 |
| Equity capital to assets | 14.5157% | 975 |
| Core capital (leverage) ratio | 14.4875% | 862 |
| Tier 1 risk-based capital ratio | 25.4091% | 748 |
| Total risk-based capital ratio | 25.8846% | 780 |
| Memoranda: | ||
| Average total assets | $48,267,000 | 4,847 |
| Average earning assets | $44,597,250 | 4,842 |
| Average equity | $7,079,000 | 4,687 |
| Average total loans | $36,967,000 | 4,535 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 3,210 |
| Cost of funding earning assets | 1.4446% | 454 |
| Net interest margin | 2.9969% | 4,695 |
| Noninterest income to average assets | 0.1419% | 4,861 |
| Noninterest expense to average assets | 2.3917% | 3,755 |
| Loan and lease loss provision to assets | -0.0083% | 5,118 |
| Net operating income to assets | 0.4424% | 4,653 |
| Return on assets (ROA) | 0.4424% | 4,681 |
| Pretax return on assets | 0.5468% | 4,631 |
| Return on Equity (ROE) | 3.0061% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.0061% | 3,712 |
| Net charge-offs to loans | 0.1463% | 1,059 |
| Credit loss provision to net charge-offs | -7.4074% | 3,754 |
| Earnings coverage of net charge-offs (x) | 4.7778% | 2,710 |
| Efficiency ratio | 81.6239% | 831 |
| Assets per employee ($millions) | 6.0196% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3284% | 5,155 |
| Loan loss allowance to noncurrent loans | 24.8473% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.4972% | 753 |
| Noncurrent loans to loans | 1.3216% | 1,187 |
| Net loans and leases to total assets | 76.8943% | 1,404 |
| Net loans and leases to deposits | 90.3810% | 1,691 |
| Net loans and leases to core deposits | 98.5338% | 1,842 |
| Total domestic deposits to total assets | 85.0780% | 2,439 |
| Equity capital to assets | 14.7725% | 872 |
| Core capital (leverage) ratio | 14.7093% | 770 |
| Tier 1 risk-based capital ratio | 25.7651% | 704 |
| Total risk-based capital ratio | 26.2069% | 743 |
| Memoranda: | ||
| Average total assets | $47,916,330 | 4,890 |
| Average earning assets | $44,579,330 | 4,880 |
| Average equity | $7,052,330 | 4,720 |
| Average total loans | $36,918,000 | 4,574 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 3,281 |
| Cost of funding earning assets | 1.4326% | 404 |
| Net interest margin | 2.9547% | 4,813 |
| Noninterest income to average assets | 0.1423% | 4,882 |
| Noninterest expense to average assets | 2.3851% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4184% | 4,688 |
| Return on assets (ROA) | 0.4184% | 4,702 |
| Pretax return on assets | 0.5189% | 4,640 |
| Return on Equity (ROE) | 2.8484% | 4,818 |
| Retained earnings to average equity (ytd only) | 2.8484% | 3,797 |
| Net charge-offs to loans | 0.3043% | 495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.2143% | 2,516 |
| Efficiency ratio | 82.1326% | 859 |
| Assets per employee ($millions) | 6.0091% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3352% | 5,220 |
| Loan loss allowance to noncurrent loans | 76.3975% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8133% | 1,741 |
| Noncurrent loans to loans | 0.4387% | 3,010 |
| Net loans and leases to total assets | 76.0801% | 1,465 |
| Net loans and leases to deposits | 89.2310% | 1,724 |
| Net loans and leases to core deposits | 98.2697% | 1,753 |
| Total domestic deposits to total assets | 85.2620% | 2,573 |
| Equity capital to assets | 14.6548% | 834 |
| Core capital (leverage) ratio | 14.5880% | 793 |
| Tier 1 risk-based capital ratio | 26.1886% | 673 |
| Total risk-based capital ratio | 26.6458% | 711 |
| Memoranda: | ||
| Average total assets | $47,796,000 | 4,941 |
| Average earning assets | $44,675,000 | 4,929 |
| Average equity | $7,021,500 | 4,753 |
| Average total loans | $36,801,000 | 4,624 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3475% | 2,938 |
| Cost of funding earning assets | 1.1658% | 387 |
| Net interest margin | 3.1817% | 4,517 |
| Noninterest income to average assets | 0.1491% | 4,962 |
| Noninterest expense to average assets | 2.3894% | 3,911 |
| Loan and lease loss provision to assets | 0.0886% | 2,373 |
| Net operating income to assets | 0.5811% | 4,466 |
| Return on assets (ROA) | 0.5811% | 4,472 |
| Pretax return on assets | 0.6546% | 4,526 |
| Return on Equity (ROE) | 3.8806% | 4,739 |
| Retained earnings to average equity (ytd only) | 3.8806% | 3,445 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2759% | 1,322 |
| Assets per employee ($millions) | 5.9439% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4037% | 5,211 |
| Loan loss allowance to noncurrent loans | 25.5575% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,056 |
| Noncurrent loans to loans | 1.5797% | 935 |
| Net loans and leases to total assets | 77.3002% | 1,389 |
| Net loans and leases to deposits | 90.8096% | 1,696 |
| Net loans and leases to core deposits | 100.0899% | 1,713 |
| Total domestic deposits to total assets | 85.1233% | 2,598 |
| Equity capital to assets | 14.7841% | 767 |
| Core capital (leverage) ratio | 14.7167% | 754 |
| Tier 1 risk-based capital ratio | 26.3780% | 650 |
| Total risk-based capital ratio | 26.9371% | 677 |
| Memoranda: | ||
| Average total assets | $46,288,400 | 5,009 |
| Average earning assets | $43,404,400 | 4,984 |
| Average equity | $6,932,000 | 4,757 |
| Average total loans | $34,864,000 | 4,690 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 2,887 |
| Cost of funding earning assets | 1.0949% | 412 |
| Net interest margin | 3.2259% | 4,466 |
| Noninterest income to average assets | 0.1508% | 5,021 |
| Noninterest expense to average assets | 2.1781% | 4,363 |
| Loan and lease loss provision to assets | 0.0232% | 3,555 |
| Net operating income to assets | 0.8237% | 3,828 |
| Return on assets (ROA) | 0.8237% | 3,838 |
| Pretax return on assets | 0.9745% | 3,805 |
| Return on Equity (ROE) | 5.4819% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.4819% | 2,963 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5845% | 2,425 |
| Assets per employee ($millions) | 5.8441% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3267% | 5,340 |
| Loan loss allowance to noncurrent loans | 19.7952% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 1.2534% | 1,110 |
| Noncurrent loans to loans | 1.6503% | 952 |
| Net loans and leases to total assets | 75.7021% | 1,705 |
| Net loans and leases to deposits | 89.2208% | 1,994 |
| Net loans and leases to core deposits | 96.5150% | 2,066 |
| Total domestic deposits to total assets | 84.8480% | 2,670 |
| Equity capital to assets | 15.0728% | 699 |
| Core capital (leverage) ratio | 14.8349% | 740 |
| Tier 1 risk-based capital ratio | 27.1310% | 619 |
| Total risk-based capital ratio | 27.5776% | 650 |
| Memoranda: | ||
| Average total assets | $45,972,750 | 5,073 |
| Average earning assets | $43,108,750 | 5,046 |
| Average equity | $6,907,500 | 4,810 |
| Average total loans | $34,353,500 | 4,757 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,746 |
| Cost of funding earning assets | 1.0595% | 350 |
| Net interest margin | 3.2438% | 4,394 |
| Noninterest income to average assets | 0.1488% | 5,080 |
| Noninterest expense to average assets | 2.1176% | 4,561 |
| Loan and lease loss provision to assets | 0.0263% | 3,391 |
| Net operating income to assets | 0.8750% | 3,563 |
| Return on assets (ROA) | 0.8750% | 3,565 |
| Pretax return on assets | 1.0457% | 3,525 |
| Return on Equity (ROE) | 5.8301% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.8301% | 2,649 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3923% | 2,910 |
| Assets per employee ($millions) | 6.6541% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3258% | 5,406 |
| Loan loss allowance to noncurrent loans | 28.4289% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 1,731 |
| Noncurrent loans to loans | 1.1460% | 1,529 |
| Net loans and leases to total assets | 74.8749% | 1,811 |
| Net loans and leases to deposits | 88.1442% | 2,095 |
| Net loans and leases to core deposits | 95.9529% | 2,059 |
| Total domestic deposits to total assets | 84.9460% | 2,697 |
| Equity capital to assets | 14.9445% | 696 |
| Core capital (leverage) ratio | 15.0664% | 656 |
| Tier 1 risk-based capital ratio | 21.2563% | 1,131 |
| Total risk-based capital ratio | 21.6044% | 1,241 |
| Memoranda: | ||
| Average total assets | $45,712,670 | 5,134 |
| Average earning assets | $42,851,000 | 5,109 |
| Average equity | $6,861,000 | 4,867 |
| Average total loans | $33,968,330 | 4,809 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,728 |
| Cost of funding earning assets | 1.0564% | 284 |
| Net interest margin | 3.1879% | 4,508 |
| Noninterest income to average assets | 0.1502% | 5,114 |
| Noninterest expense to average assets | 2.3057% | 4,183 |
| Loan and lease loss provision to assets | 0.0177% | 3,306 |
| Net operating income to assets | 0.6979% | 4,106 |
| Return on assets (ROA) | 0.6979% | 4,114 |
| Pretax return on assets | 0.8127% | 4,118 |
| Return on Equity (ROE) | 4.6396% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.6396% | 3,345 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5211% | 1,964 |
| Assets per employee ($millions) | 6.4651% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3247% | 5,474 |
| Loan loss allowance to noncurrent loans | 27.4314% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 1,792 |
| Noncurrent loans to loans | 1.1837% | 1,548 |
| Net loans and leases to total assets | 74.6133% | 1,771 |
| Net loans and leases to deposits | 88.0495% | 1,921 |
| Net loans and leases to core deposits | 95.1773% | 2,042 |
| Total domestic deposits to total assets | 84.7401% | 3,023 |
| Equity capital to assets | 15.1339% | 642 |
| Core capital (leverage) ratio | 14.9229% | 669 |
| Tier 1 risk-based capital ratio | 21.4011% | 1,135 |
| Total risk-based capital ratio | 21.7448% | 1,246 |
| Memoranda: | ||
| Average total assets | $45,279,500 | 5,203 |
| Average earning assets | $42,410,000 | 5,176 |
| Average equity | $6,811,000 | 4,927 |
| Average total loans | $33,457,500 | 4,880 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 2,583 |
| Cost of funding earning assets | 1.0619% | 154 |
| Net interest margin | 3.1670% | 4,527 |
| Noninterest income to average assets | 0.1570% | 5,178 |
| Noninterest expense to average assets | 2.3477% | 4,214 |
| Loan and lease loss provision to assets | 0.0022% | 4,198 |
| Net operating income to assets | 0.5991% | 4,015 |
| Return on assets (ROA) | 0.5991% | 4,058 |
| Pretax return on assets | 0.7936% | 4,261 |
| Return on Equity (ROE) | 4.0736% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.0736% | 2,734 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6835% | 1,798 |
| Assets per employee ($millions) | 6.4719% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3269% | 5,538 |
| Loan loss allowance to noncurrent loans | 26.7990% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8896% | 1,747 |
| Noncurrent loans to loans | 1.2198% | 1,449 |
| Net loans and leases to total assets | 72.6883% | 2,138 |
| Net loans and leases to deposits | 85.5947% | 2,315 |
| Net loans and leases to core deposits | 91.8319% | 2,391 |
| Total domestic deposits to total assets | 84.9215% | 2,868 |
| Equity capital to assets | 14.9504% | 688 |
| Core capital (leverage) ratio | 14.7702% | 667 |
| Tier 1 risk-based capital ratio | 20.8850% | 1,161 |
| Total risk-based capital ratio | 21.2180% | 1,291 |
| Memoranda: | ||
| Average total assets | $45,235,400 | 5,248 |
| Average earning assets | $42,658,000 | 5,216 |
| Average equity | $6,652,600 | 5,000 |
| Average total loans | $32,934,000 | 4,925 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,598 |
| Cost of funding earning assets | 1.0590% | 145 |
| Net interest margin | 3.1458% | 4,586 |
| Noninterest income to average assets | 0.1563% | 5,240 |
| Noninterest expense to average assets | 2.1849% | 4,556 |
| Loan and lease loss provision to assets | -0.0088% | 5,454 |
| Net operating income to assets | 0.6988% | 3,995 |
| Return on assets (ROA) | 0.6988% | 4,053 |
| Pretax return on assets | 0.9494% | 3,872 |
| Return on Equity (ROE) | 4.7715% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.7715% | 3,037 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9057% | 2,553 |
| Assets per employee ($millions) | 6.4694% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3154% | 5,615 |
| Loan loss allowance to noncurrent loans | 14.4244% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.5921% | 932 |
| Noncurrent loans to loans | 2.1863% | 748 |
| Net loans and leases to total assets | 72.5920% | 2,167 |
| Net loans and leases to deposits | 85.9249% | 2,304 |
| Net loans and leases to core deposits | 91.5608% | 2,488 |
| Total domestic deposits to total assets | 84.4831% | 2,926 |
| Equity capital to assets | 14.8920% | 750 |
| Core capital (leverage) ratio | 14.5794% | 747 |
| Tier 1 risk-based capital ratio | 20.8521% | 1,222 |
| Total risk-based capital ratio | 21.1737% | 1,337 |
| Memoranda: | ||
| Average total assets | $45,218,500 | 5,302 |
| Average earning assets | $42,680,250 | 5,276 |
| Average equity | $6,622,500 | 5,057 |
| Average total loans | $32,908,000 | 4,975 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,435 |
| Cost of funding earning assets | 1.0582% | 127 |
| Net interest margin | 3.1511% | 4,545 |
| Noninterest income to average assets | 0.1593% | 5,253 |
| Noninterest expense to average assets | 2.1772% | 4,606 |
| Loan and lease loss provision to assets | -0.0177% | 5,561 |
| Net operating income to assets | 0.6815% | 3,929 |
| Return on assets (ROA) | 0.6815% | 3,996 |
| Pretax return on assets | 0.9780% | 3,644 |
| Return on Equity (ROE) | 4.6794% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.6794% | 2,929 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3935% | 2,788 |
| Assets per employee ($millions) | 6.5306% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3150% | 5,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.2998% | 2,317 |
| Net loans and leases to deposits | 84.1353% | 2,456 |
| Net loans and leases to core deposits | 89.5587% | 2,568 |
| Total domestic deposits to total assets | 84.7443% | 2,911 |
| Equity capital to assets | 14.5754% | 808 |
| Core capital (leverage) ratio | 14.5553% | 731 |
| Tier 1 risk-based capital ratio | 20.2492% | 1,316 |
| Total risk-based capital ratio | 20.5622% | 1,462 |
| Memoranda: | ||
| Average total assets | $45,196,000 | 5,339 |
| Average earning assets | $42,715,670 | 5,317 |
| Average equity | $6,582,000 | 5,096 |
| Average total loans | $32,884,670 | 5,012 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 2,499 |
| Cost of funding earning assets | 1.0642% | 115 |
| Net interest margin | 3.0795% | 4,711 |
| Noninterest income to average assets | 0.1602% | 5,314 |
| Noninterest expense to average assets | 2.2520% | 4,530 |
| Loan and lease loss provision to assets | -0.0356% | 5,697 |
| Net operating income to assets | 0.5786% | 4,241 |
| Return on assets (ROA) | 0.5786% | 4,284 |
| Pretax return on assets | 0.8545% | 3,918 |
| Return on Equity (ROE) | 3.9746% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.9746% | 3,457 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3333% | 2,351 |
| Assets per employee ($millions) | 6.3713% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3130% | 5,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.5599% | 1,811 |
| Net loans and leases to deposits | 86.4184% | 1,988 |
| Net loans and leases to core deposits | 91.1103% | 2,251 |
| Total domestic deposits to total assets | 85.1207% | 3,036 |
| Equity capital to assets | 14.7402% | 701 |
| Core capital (leverage) ratio | 14.4439% | 728 |
| Tier 1 risk-based capital ratio | 20.6146% | 1,284 |
| Total risk-based capital ratio | 20.9376% | 1,426 |
| Memoranda: | ||
| Average total assets | $44,937,000 | 5,409 |
| Average earning assets | $42,475,000 | 5,377 |
| Average equity | $6,541,500 | 5,152 |
| Average total loans | $32,978,500 | 5,057 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 2,084 |
| Cost of funding earning assets | 1.0379% | 140 |
| Net interest margin | 3.2809% | 4,204 |
| Noninterest income to average assets | 0.2179% | 5,109 |
| Noninterest expense to average assets | 2.4336% | 4,200 |
| Loan and lease loss provision to assets | 0.0795% | 2,774 |
| Net operating income to assets | 0.5358% | 4,493 |
| Return on assets (ROA) | 0.5358% | 4,584 |
| Pretax return on assets | 0.8263% | 4,107 |
| Return on Equity (ROE) | 3.6888% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,286 |
| Net charge-offs to loans | 0.0982% | 2,310 |
| Credit loss provision to net charge-offs | 102.9412% | 2,514 |
| Earnings coverage of net charge-offs (x) | 11.7353% | 2,512 |
| Efficiency ratio | 72.8756% | 2,442 |
| Assets per employee ($millions) | 5.6594% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3238% | 5,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,830 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 72.7554% | 2,053 |
| Net loans and leases to deposits | 85.0921% | 2,299 |
| Net loans and leases to core deposits | 89.6010% | 2,539 |
| Total domestic deposits to total assets | 85.5019% | 2,831 |
| Equity capital to assets | 14.3766% | 773 |
| Core capital (leverage) ratio | 14.3740% | 723 |
| Tier 1 risk-based capital ratio | 26.5956% | 653 |
| Total risk-based capital ratio | 27.0328% | 692 |
| Memoranda: | ||
| Average total assets | $44,049,400 | 5,467 |
| Average earning assets | $41,909,600 | 5,424 |
| Average equity | $6,397,800 | 5,209 |
| Average total loans | $34,628,800 | 5,049 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 1,859 |
| Cost of funding earning assets | 1.0239% | 150 |
| Net interest margin | 3.3756% | 3,934 |
| Noninterest income to average assets | 0.1219% | 5,638 |
| Noninterest expense to average assets | 2.2251% | 4,701 |
| Loan and lease loss provision to assets | 0.1067% | 2,150 |
| Net operating income to assets | 0.6584% | 4,040 |
| Return on assets (ROA) | 0.6584% | 4,162 |
| Pretax return on assets | 1.0059% | 3,610 |
| Return on Equity (ROE) | 4.5210% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.5210% | 3,121 |
| Net charge-offs to loans | 0.1142% | 1,805 |
| Credit loss provision to net charge-offs | 116.6667% | 2,140 |
| Earnings coverage of net charge-offs (x) | 12.1663% | 2,414 |
| Efficiency ratio | 66.6667% | 3,474 |
| Assets per employee ($millions) | 5.5575% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3206% | 5,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 4,932 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.6271% | 1,258 |
| Net loans and leases to deposits | 90.9601% | 1,639 |
| Net loans and leases to core deposits | 95.8588% | 2,006 |
| Total domestic deposits to total assets | 85.3419% | 2,660 |
| Equity capital to assets | 14.5637% | 853 |
| Core capital (leverage) ratio | 14.5124% | 719 |
| Tier 1 risk-based capital ratio | 25.6233% | 753 |
| Total risk-based capital ratio | 26.0625% | 818 |
| Memoranda: | ||
| Average total assets | $43,743,000 | 5,527 |
| Average earning assets | $41,670,500 | 5,485 |
| Average equity | $6,370,000 | 5,268 |
| Average total loans | $35,024,250 | 5,091 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,802 |
| Cost of funding earning assets | 1.0109% | 162 |
| Net interest margin | 3.3984% | 3,899 |
| Noninterest income to average assets | 0.1287% | 5,675 |
| Noninterest expense to average assets | 2.2343% | 4,769 |
| Loan and lease loss provision to assets | 0.1609% | 1,411 |
| Net operating income to assets | 0.6390% | 4,099 |
| Return on assets (ROA) | 0.6390% | 4,240 |
| Pretax return on assets | 0.9792% | 3,663 |
| Return on Equity (ROE) | 4.3883% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.3883% | 3,124 |
| Net charge-offs to loans | 0.1707% | 1,319 |
| Credit loss provision to net charge-offs | 116.6667% | 1,899 |
| Earnings coverage of net charge-offs (x) | 8.2667% | 2,536 |
| Efficiency ratio | 66.2125% | 3,652 |
| Assets per employee ($millions) | 6.3026% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3136% | 5,932 |
| Loan loss allowance to noncurrent loans | 201.8182% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 5,008 |
| Noncurrent loans to loans | 0.1554% | 4,816 |
| Net loans and leases to total assets | 79.9719% | 911 |
| Net loans and leases to deposits | 93.6110% | 1,323 |
| Net loans and leases to core deposits | 97.6881% | 1,836 |
| Total domestic deposits to total assets | 85.4300% | 2,677 |
| Equity capital to assets | 14.4930% | 873 |
| Core capital (leverage) ratio | 14.7192% | 662 |
| Tier 1 risk-based capital ratio | 25.4690% | 773 |
| Total risk-based capital ratio | 25.9112% | 830 |
| Memoranda: | ||
| Average total assets | $43,504,000 | 5,593 |
| Average earning assets | $41,548,670 | 5,549 |
| Average equity | $6,335,000 | 5,324 |
| Average total loans | $35,157,670 | 5,133 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 1,553 |
| Cost of funding earning assets | 1.0191% | 150 |
| Net interest margin | 3.4649% | 3,604 |
| Noninterest income to average assets | 0.1482% | 5,599 |
| Noninterest expense to average assets | 2.2039% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8056% | 3,215 |
| Return on assets (ROA) | 0.8056% | 3,332 |
| Pretax return on assets | 1.2501% | 2,498 |
| Return on Equity (ROE) | 5.5190% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.5190% | 2,631 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8070% | 4,155 |
| Assets per employee ($millions) | 6.1951% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3039% | 6,005 |
| Loan loss allowance to noncurrent loans | 126.1905% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,788 |
| Noncurrent loans to loans | 0.2408% | 4,569 |
| Net loans and leases to total assets | 80.1988% | 787 |
| Net loans and leases to deposits | 94.2776% | 1,124 |
| Net loans and leases to core deposits | 98.7731% | 1,577 |
| Total domestic deposits to total assets | 85.0666% | 3,105 |
| Equity capital to assets | 14.6405% | 792 |
| Core capital (leverage) ratio | 14.7322% | 658 |
| Tier 1 risk-based capital ratio | 25.7953% | 750 |
| Total risk-based capital ratio | 26.2260% | 799 |
| Memoranda: | ||
| Average total assets | $43,197,000 | 5,654 |
| Average earning assets | $41,213,500 | 5,610 |
| Average equity | $6,305,500 | 5,361 |
| Average total loans | $35,040,000 | 5,174 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 1,366 |
| Cost of funding earning assets | 1.0953% | 106 |
| Net interest margin | 3.4933% | 3,549 |
| Noninterest income to average assets | 0.1976% | 5,402 |
| Noninterest expense to average assets | 2.2448% | 4,935 |
| Loan and lease loss provision to assets | 0.0850% | 2,594 |
| Net operating income to assets | 0.7444% | 3,601 |
| Return on assets (ROA) | 0.7444% | 3,697 |
| Pretax return on assets | 1.1948% | 2,676 |
| Return on Equity (ROE) | 5.3087% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.3087% | 2,206 |
| Net charge-offs to loans | 0.0517% | 3,166 |
| Credit loss provision to net charge-offs | 205.5556% | 1,363 |
| Earnings coverage of net charge-offs (x) | 30.9444% | 1,422 |
| Efficiency ratio | 63.6897% | 4,330 |
| Assets per employee ($millions) | 6.1469% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3012% | 6,056 |
| Loan loss allowance to noncurrent loans | 42.4000% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 3,201 |
| Noncurrent loans to loans | 0.7103% | 3,058 |
| Net loans and leases to total assets | 81.5492% | 636 |
| Net loans and leases to deposits | 95.7931% | 1,034 |
| Net loans and leases to core deposits | 102.8219% | 1,306 |
| Total domestic deposits to total assets | 85.1306% | 3,026 |
| Equity capital to assets | 14.5533% | 757 |
| Core capital (leverage) ratio | 14.3769% | 737 |
| Tier 1 risk-based capital ratio | 25.5456% | 774 |
| Total risk-based capital ratio | 25.9781% | 824 |
| Memoranda: | ||
| Average total assets | $43,522,600 | 5,693 |
| Average earning assets | $41,450,800 | 5,642 |
| Average equity | $6,103,200 | 5,416 |
| Average total loans | $34,814,800 | 5,197 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,455 |
| Cost of funding earning assets | 1.1037% | 98 |
| Net interest margin | 3.4459% | 3,766 |
| Noninterest income to average assets | 0.1161% | 5,892 |
| Noninterest expense to average assets | 2.0620% | 5,360 |
| Loan and lease loss provision to assets | 0.0611% | 2,960 |
| Net operating income to assets | 0.8034% | 3,417 |
| Return on assets (ROA) | 0.8034% | 3,510 |
| Pretax return on assets | 1.2739% | 2,499 |
| Return on Equity (ROE) | 5.7831% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.7831% | 2,375 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7014% | 4,791 |
| Assets per employee ($millions) | 6.2510% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2925% | 6,148 |
| Loan loss allowance to noncurrent loans | 88.3333% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 4,671 |
| Noncurrent loans to loans | 0.3311% | 4,422 |
| Net loans and leases to total assets | 82.5788% | 514 |
| Net loans and leases to deposits | 96.6305% | 945 |
| Net loans and leases to core deposits | 102.2265% | 1,366 |
| Total domestic deposits to total assets | 85.4583% | 2,801 |
| Equity capital to assets | 14.1692% | 953 |
| Core capital (leverage) ratio | 14.0230% | 856 |
| Tier 1 risk-based capital ratio | 24.2301% | 926 |
| Total risk-based capital ratio | 24.6444% | 1,000 |
| Memoranda: | ||
| Average total assets | $43,646,250 | 5,765 |
| Average earning assets | $41,555,750 | 5,714 |
| Average equity | $6,063,500 | 5,487 |
| Average total loans | $34,719,750 | 5,258 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 1,476 |
| Cost of funding earning assets | 1.1116% | 91 |
| Net interest margin | 3.4070% | 3,890 |
| Noninterest income to average assets | 0.1147% | 5,972 |
| Noninterest expense to average assets | 2.0959% | 5,347 |
| Loan and lease loss provision to assets | 0.0092% | 3,925 |
| Net operating income to assets | 0.7934% | 3,424 |
| Return on assets (ROA) | 0.7934% | 3,518 |
| Pretax return on assets | 1.2566% | 2,522 |
| Return on Equity (ROE) | 5.7494% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.7494% | 2,382 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3465% | 4,627 |
| Assets per employee ($millions) | 6.2626% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2485% | 6,234 |
| Loan loss allowance to noncurrent loans | 103.5294% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 5,089 |
| Noncurrent loans to loans | 0.2400% | 4,800 |
| Net loans and leases to total assets | 80.5762% | 729 |
| Net loans and leases to deposits | 93.8119% | 1,167 |
| Net loans and leases to core deposits | 98.1603% | 1,642 |
| Total domestic deposits to total assets | 85.8912% | 2,747 |
| Equity capital to assets | 13.9400% | 996 |
| Core capital (leverage) ratio | 13.8283% | 896 |
| Tier 1 risk-based capital ratio | 15.9656% | 2,878 |
| Total risk-based capital ratio | 15.9656% | 3,445 |
| Memoranda: | ||
| Average total assets | $43,609,330 | 5,827 |
| Average earning assets | $41,561,670 | 5,776 |
| Average equity | $6,018,000 | 5,546 |
| Average total loans | $34,213,000 | 5,319 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,003 |
| Cost of funding earning assets | 1.1089% | 92 |
| Net interest margin | 3.2206% | 4,527 |
| Noninterest income to average assets | 0.1196% | 6,001 |
| Noninterest expense to average assets | 2.1152% | 5,346 |
| Loan and lease loss provision to assets | 0.0184% | 3,479 |
| Net operating income to assets | 0.6621% | 3,995 |
| Return on assets (ROA) | 0.6621% | 4,120 |
| Pretax return on assets | 1.0576% | 3,272 |
| Return on Equity (ROE) | 4.8229% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.8229% | 3,164 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2824% | 4,101 |
| Assets per employee ($millions) | 6.2413% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2558% | 6,310 |
| Loan loss allowance to noncurrent loans | 29.9320% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 3,469 |
| Noncurrent loans to loans | 0.8545% | 3,109 |
| Net loans and leases to total assets | 78.5484% | 859 |
| Net loans and leases to deposits | 91.1498% | 1,277 |
| Net loans and leases to core deposits | 98.4395% | 1,436 |
| Total domestic deposits to total assets | 86.1750% | 2,843 |
| Equity capital to assets | 13.7517% | 1,072 |
| Core capital (leverage) ratio | 13.6804% | 908 |
| Tier 1 risk-based capital ratio | 25.0167% | 884 |
| Total risk-based capital ratio | 25.3831% | 961 |
| Memoranda: | ||
| Average total assets | $43,495,000 | 5,880 |
| Average earning assets | $41,483,500 | 5,829 |
| Average equity | $5,971,500 | 5,605 |
| Average total loans | $33,614,000 | 5,384 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 2,753 |
| Cost of funding earning assets | 1.0675% | 165 |
| Net interest margin | 3.1901% | 4,956 |
| Noninterest income to average assets | 0.1472% | 5,959 |
| Noninterest expense to average assets | 2.2702% | 5,190 |
| Loan and lease loss provision to assets | 0.0356% | 3,879 |
| Net operating income to assets | 0.6198% | 4,278 |
| Return on assets (ROA) | 0.6198% | 4,383 |
| Pretax return on assets | 0.8857% | 3,947 |
| Return on Equity (ROE) | 4.4896% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.4896% | 2,982 |
| Net charge-offs to loans | 0.1004% | 3,072 |
| Credit loss provision to net charge-offs | 46.8750% | 3,552 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 2,418 |
| Efficiency ratio | 71.1310% | 3,351 |
| Assets per employee ($millions) | 6.1859% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2620% | 6,393 |
| Loan loss allowance to noncurrent loans | 29.1525% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 3,532 |
| Noncurrent loans to loans | 0.8988% | 3,068 |
| Net loans and leases to total assets | 75.6033% | 1,328 |
| Net loans and leases to deposits | 87.6774% | 1,775 |
| Net loans and leases to core deposits | 92.7052% | 2,021 |
| Total domestic deposits to total assets | 86.2290% | 2,705 |
| Equity capital to assets | 13.7064% | 1,072 |
| Core capital (leverage) ratio | 13.2562% | 1,039 |
| Tier 1 risk-based capital ratio | 25.9353% | 766 |
| Total risk-based capital ratio | 26.3160% | 820 |
| Memoranda: | ||
| Average total assets | $42,111,400 | 5,985 |
| Average earning assets | $40,186,200 | 5,915 |
| Average equity | $5,813,400 | 5,658 |
| Average total loans | $31,859,600 | 5,490 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,782 |
| Cost of funding earning assets | 1.0502% | 191 |
| Net interest margin | 3.2073% | 4,943 |
| Noninterest income to average assets | 0.1499% | 6,016 |
| Noninterest expense to average assets | 2.1364% | 5,493 |
| Loan and lease loss provision to assets | 0.0383% | 3,639 |
| Net operating income to assets | 0.6377% | 4,269 |
| Return on assets (ROA) | 0.6377% | 4,371 |
| Pretax return on assets | 1.0331% | 3,455 |
| Return on Equity (ROE) | 4.6111% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.6111% | 3,351 |
| Net charge-offs to loans | 0.1350% | 2,444 |
| Credit loss provision to net charge-offs | 37.5000% | 3,327 |
| Earnings coverage of net charge-offs (x) | 10.4989% | 2,534 |
| Efficiency ratio | 66.6004% | 4,119 |
| Assets per employee ($millions) | 6.2429% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2598% | 6,477 |
| Loan loss allowance to noncurrent loans | 28.1356% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 3,814 |
| Noncurrent loans to loans | 0.9233% | 3,252 |
| Net loans and leases to total assets | 72.9199% | 1,695 |
| Net loans and leases to deposits | 84.3820% | 2,097 |
| Net loans and leases to core deposits | 89.1431% | 2,308 |
| Total domestic deposits to total assets | 86.4165% | 2,631 |
| Equity capital to assets | 13.4691% | 1,196 |
| Core capital (leverage) ratio | 13.9960% | 843 |
| Tier 1 risk-based capital ratio | 26.1583% | 772 |
| Total risk-based capital ratio | 26.5284% | 840 |
| Memoranda: | ||
| Average total assets | $41,814,000 | 6,060 |
| Average earning assets | $39,865,750 | 5,991 |
| Average equity | $5,783,000 | 5,719 |
| Average total loans | $31,618,750 | 5,556 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 2,170 |
| Cost of funding earning assets | 1.0199% | 235 |
| Net interest margin | 3.3811% | 4,253 |
| Noninterest income to average assets | 0.0826% | 6,343 |
| Noninterest expense to average assets | 2.1221% | 5,581 |
| Loan and lease loss provision to assets | 0.0534% | 3,231 |
| Net operating income to assets | 0.6944% | 3,873 |
| Return on assets (ROA) | 0.6944% | 3,962 |
| Pretax return on assets | 1.1266% | 2,988 |
| Return on Equity (ROE) | 4.9751% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.9751% | 2,972 |
| Net charge-offs to loans | 0.2031% | 1,810 |
| Credit loss provision to net charge-offs | 34.3750% | 2,995 |
| Earnings coverage of net charge-offs (x) | 7.5938% | 2,605 |
| Efficiency ratio | 64.2647% | 4,651 |
| Assets per employee ($millions) | 6.1027% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2560% | 6,552 |
| Loan loss allowance to noncurrent loans | 20.2469% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 3,166 |
| Noncurrent loans to loans | 1.2643% | 2,694 |
| Net loans and leases to total assets | 74.7934% | 1,334 |
| Net loans and leases to deposits | 86.7338% | 1,744 |
| Net loans and leases to core deposits | 125.4998% | 275 |
| Total domestic deposits to total assets | 86.2333% | 2,910 |
| Equity capital to assets | 13.6450% | 1,108 |
| Core capital (leverage) ratio | 13.8600% | 870 |
| Tier 1 risk-based capital ratio | 26.1102% | 762 |
| Total risk-based capital ratio | 26.4833% | 832 |
| Memoranda: | ||
| Average total assets | $41,185,330 | 6,136 |
| Average earning assets | $39,217,670 | 6,069 |
| Average equity | $5,748,670 | 5,765 |
| Average total loans | $31,508,670 | 5,605 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 2,286 |
| Cost of funding earning assets | 1.0078% | 265 |
| Net interest margin | 3.3557% | 4,313 |
| Noninterest income to average assets | 0.0396% | 6,511 |
| Noninterest expense to average assets | 2.0980% | 5,687 |
| Loan and lease loss provision to assets | 0.0891% | 2,429 |
| Net operating income to assets | 0.6532% | 3,935 |
| Return on assets (ROA) | 0.6532% | 4,035 |
| Pretax return on assets | 1.0490% | 3,141 |
| Return on Equity (ROE) | 4.6247% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.6247% | 3,343 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8318% | 4,725 |
| Assets per employee ($millions) | 5.8430% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3579% | 6,584 |
| Loan loss allowance to noncurrent loans | 40.7273% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 4,102 |
| Noncurrent loans to loans | 0.8787% | 3,690 |
| Net loans and leases to total assets | 76.2475% | 974 |
| Net loans and leases to deposits | 88.9098% | 1,262 |
| Net loans and leases to core deposits | 92.8874% | 1,648 |
| Total domestic deposits to total assets | 85.7583% | 3,491 |
| Equity capital to assets | 14.0534% | 900 |
| Core capital (leverage) ratio | 14.1203% | 782 |
| Tier 1 risk-based capital ratio | 26.7061% | 729 |
| Total risk-based capital ratio | 27.2232% | 777 |
| Memoranda: | ||
| Average total assets | $40,418,500 | 6,222 |
| Average earning assets | $38,501,500 | 6,148 |
| Average equity | $5,708,500 | 5,816 |
| Average total loans | $31,246,500 | 5,663 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 2,371 |
| Cost of funding earning assets | 1.0534% | 351 |
| Net interest margin | 3.4033% | 4,261 |
| Noninterest income to average assets | 0.0706% | 6,481 |
| Noninterest expense to average assets | 2.3072% | 5,363 |
| Loan and lease loss provision to assets | 0.0633% | 3,869 |
| Net operating income to assets | 0.6182% | 4,175 |
| Return on assets (ROA) | 0.6182% | 4,287 |
| Pretax return on assets | 0.9711% | 3,470 |
| Return on Equity (ROE) | 4.5797% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.5797% | 2,899 |
| Net charge-offs to loans | 0.0065% | 5,329 |
| Credit loss provision to net charge-offs | 1,300.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 212.5000% | 211 |
| Efficiency ratio | 69.0459% | 4,006 |
| Assets per employee ($millions) | 6.6560% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3302% | 6,672 |
| Loan loss allowance to noncurrent loans | 22.9911% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 3,156 |
| Noncurrent loans to loans | 1.4361% | 2,738 |
| Net loans and leases to total assets | 77.8546% | 841 |
| Net loans and leases to deposits | 90.9070% | 1,164 |
| Net loans and leases to core deposits | 95.0680% | 1,526 |
| Total domestic deposits to total assets | 85.6420% | 3,434 |
| Equity capital to assets | 14.1952% | 853 |
| Core capital (leverage) ratio | 13.8403% | 871 |
| Tier 1 risk-based capital ratio | 26.7368% | 709 |
| Total risk-based capital ratio | 27.2178% | 757 |
| Memoranda: | ||
| Average total assets | $41,088,000 | 6,258 |
| Average earning assets | $39,491,400 | 6,184 |
| Average equity | $5,546,200 | 5,920 |
| Average total loans | $30,752,200 | 5,723 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 2,455 |
| Cost of funding earning assets | 1.0641% | 368 |
| Net interest margin | 3.3765% | 4,376 |
| Noninterest income to average assets | 0.0773% | 6,552 |
| Noninterest expense to average assets | 2.0269% | 5,962 |
| Loan and lease loss provision to assets | 0.1804% | 2,016 |
| Net operating income to assets | 0.7057% | 3,826 |
| Return on assets (ROA) | 0.7057% | 3,964 |
| Pretax return on assets | 1.1214% | 3,014 |
| Return on Equity (ROE) | 5.2940% | 4,567 |
| Retained earnings to average equity (ytd only) | 5.2940% | 2,879 |
| Net charge-offs to loans | 0.2132% | 2,548 |
| Credit loss provision to net charge-offs | 114.2857% | 2,056 |
| Earnings coverage of net charge-offs (x) | 8.2451% | 2,653 |
| Efficiency ratio | 60.8906% | 5,297 |
| Assets per employee ($millions) | 6.8443% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2843% | 6,772 |
| Loan loss allowance to noncurrent loans | 36.7521% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 4,742 |
| Noncurrent loans to loans | 0.7736% | 4,299 |
| Net loans and leases to total assets | 73.4501% | 1,374 |
| Net loans and leases to deposits | 85.3171% | 1,702 |
| Net loans and leases to core deposits | 89.0763% | 2,070 |
| Total domestic deposits to total assets | 86.0907% | 3,205 |
| Equity capital to assets | 13.7048% | 1,050 |
| Core capital (leverage) ratio | 13.5295% | 1,012 |
| Tier 1 risk-based capital ratio | 26.7834% | 724 |
| Total risk-based capital ratio | 27.1927% | 778 |
| Memoranda: | ||
| Average total assets | $41,376,000 | 6,318 |
| Average earning assets | $39,843,500 | 6,241 |
| Average equity | $5,515,500 | 5,995 |
| Average total loans | $30,641,500 | 5,780 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 2,426 |
| Cost of funding earning assets | 1.0622% | 403 |
| Net interest margin | 3.3762% | 4,279 |
| Noninterest income to average assets | 0.0289% | 6,731 |
| Noninterest expense to average assets | 2.0106% | 6,028 |
| Loan and lease loss provision to assets | 0.2652% | 1,396 |
| Net operating income to assets | 0.6268% | 4,171 |
| Return on assets (ROA) | 0.6268% | 4,327 |
| Pretax return on assets | 1.0174% | 3,428 |
| Return on Equity (ROE) | 4.7463% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.7463% | 3,230 |
| Net charge-offs to loans | 0.3120% | 1,934 |
| Credit loss provision to net charge-offs | 114.5833% | 1,927 |
| Earnings coverage of net charge-offs (x) | 5.5417% | 2,875 |
| Efficiency ratio | 61.0542% | 5,322 |
| Assets per employee ($millions) | 6.9077% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2804% | 6,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 6,269 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 73.8045% | 1,282 |
| Net loans and leases to deposits | 85.3559% | 1,640 |
| Net loans and leases to core deposits | 90.1612% | 1,895 |
| Total domestic deposits to total assets | 86.4667% | 3,129 |
| Equity capital to assets | 13.3668% | 1,194 |
| Core capital (leverage) ratio | 13.0697% | 1,137 |
| Tier 1 risk-based capital ratio | 26.2224% | 753 |
| Total risk-based capital ratio | 26.6294% | 816 |
| Memoranda: | ||
| Average total assets | $41,479,330 | 6,362 |
| Average earning assets | $40,104,000 | 6,278 |
| Average equity | $5,478,000 | 6,053 |
| Average total loans | $30,772,330 | 5,808 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 2,458 |
| Cost of funding earning assets | 1.0548% | 461 |
| Net interest margin | 3.3634% | 4,260 |
| Noninterest income to average assets | 0.0096% | 6,831 |
| Noninterest expense to average assets | 2.0050% | 6,095 |
| Loan and lease loss provision to assets | -0.0193% | 6,750 |
| Net operating income to assets | 0.7808% | 3,276 |
| Return on assets (ROA) | 0.7808% | 3,409 |
| Pretax return on assets | 1.2821% | 2,289 |
| Return on Equity (ROE) | 5.9482% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.9482% | 2,705 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3569% | 5,398 |
| Assets per employee ($millions) | 6.9355% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2492% | 6,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 6,014 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 74.0706% | 1,066 |
| Net loans and leases to deposits | 85.5648% | 1,412 |
| Net loans and leases to core deposits | 90.3397% | 1,671 |
| Total domestic deposits to total assets | 86.5667% | 3,203 |
| Equity capital to assets | 13.1882% | 1,344 |
| Core capital (leverage) ratio | 13.1635% | 1,052 |
| Tier 1 risk-based capital ratio | 25.7508% | 814 |
| Total risk-based capital ratio | 26.1120% | 897 |
| Memoranda: | ||
| Average total assets | $41,496,000 | 6,421 |
| Average earning assets | $40,197,500 | 6,331 |
| Average equity | $5,447,000 | 6,119 |
| Average total loans | $30,821,000 | 5,850 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 4,446 |
| Cost of funding earning assets | 1.1839% | 626 |
| Net interest margin | 3.0532% | 5,923 |
| Noninterest income to average assets | 0.0728% | 6,613 |
| Noninterest expense to average assets | 2.1008% | 6,126 |
| Loan and lease loss provision to assets | 0.0679% | 4,900 |
| Net operating income to assets | 0.5410% | 4,514 |
| Return on assets (ROA) | 0.5410% | 4,769 |
| Pretax return on assets | 0.8758% | 4,006 |
| Return on Equity (ROE) | 4.2082% | 5,057 |
| Retained earnings to average equity (ytd only) | 4.2082% | 3,266 |
| Net charge-offs to loans | 0.0645% | 5,046 |
| Credit loss provision to net charge-offs | 147.3684% | 1,846 |
| Earnings coverage of net charge-offs (x) | 20.4737% | 1,351 |
| Efficiency ratio | 69.0040% | 3,973 |
| Assets per employee ($millions) | 6.8965% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2570% | 6,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 6,090 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 74.1028% | 1,181 |
| Net loans and leases to deposits | 85.4980% | 1,577 |
| Net loans and leases to core deposits | 90.2756% | 1,803 |
| Total domestic deposits to total assets | 86.6720% | 3,012 |
| Equity capital to assets | 13.0646% | 1,411 |
| Core capital (leverage) ratio | 12.8031% | 1,198 |
| Tier 1 risk-based capital ratio | 26.0744% | 765 |
| Total risk-based capital ratio | 26.4554% | 816 |
| Memoranda: | ||
| Average total assets | $41,221,800 | 6,463 |
| Average earning assets | $40,121,800 | 6,357 |
| Average equity | $5,299,200 | 6,210 |
| Average total loans | $29,472,000 | 5,978 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2058% | 4,803 |
| Cost of funding earning assets | 1.2045% | 676 |
| Net interest margin | 3.0013% | 6,167 |
| Noninterest income to average assets | 0.0518% | 6,794 |
| Noninterest expense to average assets | 1.9555% | 6,435 |
| Loan and lease loss provision to assets | 0.0842% | 4,561 |
| Net operating income to assets | 0.5860% | 4,456 |
| Return on assets (ROA) | 0.5860% | 4,729 |
| Pretax return on assets | 0.9324% | 3,987 |
| Return on Equity (ROE) | 4.5771% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.5771% | 3,682 |
| Net charge-offs to loans | 0.0869% | 4,520 |
| Credit loss provision to net charge-offs | 136.8421% | 2,108 |
| Earnings coverage of net charge-offs (x) | 16.5282% | 1,687 |
| Efficiency ratio | 65.7952% | 4,482 |
| Assets per employee ($millions) | 6.9773% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2594% | 7,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 6,211 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 70.7195% | 1,777 |
| Net loans and leases to deposits | 81.3419% | 2,206 |
| Net loans and leases to core deposits | 86.5976% | 2,390 |
| Total domestic deposits to total assets | 86.9410% | 2,706 |
| Equity capital to assets | 12.8153% | 1,698 |
| Core capital (leverage) ratio | 12.6739% | 1,332 |
| Tier 1 risk-based capital ratio | 26.6095% | 769 |
| Total risk-based capital ratio | 26.9914% | 833 |
| Memoranda: | ||
| Average total assets | $41,182,500 | 6,543 |
| Average earning assets | $40,070,750 | 6,436 |
| Average equity | $5,272,500 | 6,286 |
| Average total loans | $29,154,500 | 6,064 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 4,891 |
| Cost of funding earning assets | 1.2249% | 735 |
| Net interest margin | 2.9920% | 6,261 |
| Noninterest income to average assets | 0.0342% | 6,910 |
| Noninterest expense to average assets | 1.9533% | 6,514 |
| Loan and lease loss provision to assets | 0.0928% | 4,397 |
| Net operating income to assets | 0.5665% | 4,510 |
| Return on assets (ROA) | 0.5665% | 4,791 |
| Pretax return on assets | 0.8985% | 4,083 |
| Return on Equity (ROE) | 4.4261% | 5,074 |
| Retained earnings to average equity (ytd only) | 4.4261% | 3,658 |
| Net charge-offs to loans | 0.1311% | 3,878 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 10.6842% | 2,025 |
| Efficiency ratio | 66.3350% | 4,478 |
| Assets per employee ($millions) | 6.9773% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2377% | 7,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 70.1844% | 1,888 |
| Net loans and leases to deposits | 80.5317% | 2,309 |
| Net loans and leases to core deposits | 85.7043% | 2,467 |
| Total domestic deposits to total assets | 87.1513% | 2,683 |
| Equity capital to assets | 12.6600% | 1,712 |
| Core capital (leverage) ratio | 12.6175% | 1,305 |
| Tier 1 risk-based capital ratio | 26.0506% | 798 |
| Total risk-based capital ratio | 26.3947% | 873 |
| Memoranda: | ||
| Average total assets | $40,955,330 | 6,595 |
| Average earning assets | $39,839,330 | 6,480 |
| Average equity | $5,241,670 | 6,321 |
| Average total loans | $28,978,330 | 6,115 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 5,122 |
| Cost of funding earning assets | 1.2461% | 791 |
| Net interest margin | 2.9481% | 6,392 |
| Noninterest income to average assets | 0.0296% | 7,016 |
| Noninterest expense to average assets | 1.9654% | 6,527 |
| Loan and lease loss provision to assets | 0.0198% | 5,094 |
| Net operating income to assets | 0.5728% | 4,480 |
| Return on assets (ROA) | 0.5728% | 4,703 |
| Pretax return on assets | 0.9185% | 3,973 |
| Return on Equity (ROE) | 4.4508% | 5,070 |
| Retained earnings to average equity (ytd only) | 4.4508% | 3,925 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6871% | 4,236 |
| Assets per employee ($millions) | 6.8588% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2486% | 7,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 6,318 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 70.1917% | 1,725 |
| Net loans and leases to deposits | 80.6128% | 2,121 |
| Net loans and leases to core deposits | 85.1994% | 2,382 |
| Total domestic deposits to total assets | 87.0726% | 2,919 |
| Equity capital to assets | 12.7354% | 1,578 |
| Core capital (leverage) ratio | 12.7410% | 1,224 |
| Tier 1 risk-based capital ratio | 26.4203% | 772 |
| Total risk-based capital ratio | 26.7833% | 830 |
| Memoranda: | ||
| Average total assets | $40,501,000 | 6,669 |
| Average earning assets | $39,483,000 | 6,545 |
| Average equity | $5,212,500 | 6,360 |
| Average total loans | $28,741,500 | 6,173 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 6,277 |
| Cost of funding earning assets | 1.3082% | 1,446 |
| Net interest margin | 2.7929% | 6,828 |
| Noninterest income to average assets | 0.0235% | 6,927 |
| Noninterest expense to average assets | 1.9302% | 6,790 |
| Loan and lease loss provision to assets | -0.0445% | 7,240 |
| Net operating income to assets | 0.5675% | 4,160 |
| Return on assets (ROA) | 0.5675% | 4,338 |
| Pretax return on assets | 0.8683% | 3,717 |
| Return on Equity (ROE) | 4.2762% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.2762% | 3,141 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0855% | 3,944 |
| Assets per employee ($millions) | 6.6415% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2454% | 7,240 |
| Loan loss allowance to noncurrent loans | 75.2688% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 6,382 |
| Noncurrent loans to loans | 0.3260% | 6,079 |
| Net loans and leases to total assets | 71.4071% | 1,748 |
| Net loans and leases to deposits | 82.2541% | 2,164 |
| Net loans and leases to core deposits | 87.8051% | 2,396 |
| Total domestic deposits to total assets | 86.8127% | 2,866 |
| Equity capital to assets | 13.0091% | 1,478 |
| Core capital (leverage) ratio | 12.9322% | 1,168 |
| Tier 1 risk-based capital ratio | 27.4271% | 671 |
| Total risk-based capital ratio | 27.7975% | 722 |
| Memoranda: | ||
| Average total assets | $38,234,800 | 6,734 |
| Average earning assets | $37,380,200 | 6,629 |
| Average equity | $5,074,600 | 6,416 |
| Average total loans | $26,530,400 | 6,323 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 6,440 |
| Cost of funding earning assets | 1.3262% | 1,566 |
| Net interest margin | 2.7606% | 6,932 |
| Noninterest income to average assets | 0.0282% | 7,022 |
| Noninterest expense to average assets | 1.8926% | 6,856 |
| Loan and lease loss provision to assets | -0.0705% | 7,344 |
| Net operating income to assets | 0.5709% | 4,214 |
| Return on assets (ROA) | 0.5709% | 4,395 |
| Pretax return on assets | 0.9057% | 3,738 |
| Return on Equity (ROE) | 4.2794% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.2794% | 3,684 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3798% | 4,063 |
| Assets per employee ($millions) | 6.5412% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2479% | 7,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 68.6982% | 2,334 |
| Net loans and leases to deposits | 79.2068% | 2,775 |
| Net loans and leases to core deposits | 85.3147% | 2,872 |
| Total domestic deposits to total assets | 86.7327% | 2,802 |
| Equity capital to assets | 13.0711% | 1,583 |
| Core capital (leverage) ratio | 13.1745% | 1,161 |
| Tier 1 risk-based capital ratio | 28.0896% | 650 |
| Total risk-based capital ratio | 28.4564% | 709 |
| Memoranda: | ||
| Average total assets | $37,831,250 | 6,805 |
| Average earning assets | $36,995,750 | 6,699 |
| Average equity | $5,047,250 | 6,483 |
| Average total loans | $26,031,750 | 6,423 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0606% | 6,553 |
| Cost of funding earning assets | 1.3426% | 1,686 |
| Net interest margin | 2.7181% | 7,007 |
| Noninterest income to average assets | 0.0375% | 7,087 |
| Noninterest expense to average assets | 1.9379% | 6,895 |
| Loan and lease loss provision to assets | -0.1231% | 7,432 |
| Net operating income to assets | 0.5568% | 4,279 |
| Return on assets (ROA) | 0.5568% | 4,403 |
| Pretax return on assets | 0.8780% | 3,725 |
| Return on Equity (ROE) | 4.1437% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.1437% | 3,558 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9682% | 3,740 |
| Assets per employee ($millions) | 6.3573% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2472% | 7,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 67.7171% | 2,671 |
| Net loans and leases to deposits | 78.2206% | 3,087 |
| Net loans and leases to core deposits | 84.4311% | 3,145 |
| Total domestic deposits to total assets | 86.5719% | 3,002 |
| Equity capital to assets | 13.2944% | 1,385 |
| Core capital (leverage) ratio | 13.3821% | 1,037 |
| Tier 1 risk-based capital ratio | 29.7821% | 548 |
| Total risk-based capital ratio | 30.1580% | 593 |
| Memoranda: | ||
| Average total assets | $37,359,330 | 6,875 |
| Average earning assets | $36,496,670 | 6,780 |
| Average equity | $5,019,670 | 6,520 |
| Average total loans | $25,699,330 | 6,495 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 6,477 |
| Cost of funding earning assets | 1.3388% | 1,959 |
| Net interest margin | 2.7771% | 6,942 |
| Noninterest income to average assets | 0.0325% | 7,209 |
| Noninterest expense to average assets | 1.9693% | 6,874 |
| Loan and lease loss provision to assets | -0.1623% | 7,500 |
| Net operating income to assets | 0.5843% | 4,116 |
| Return on assets (ROA) | 0.5843% | 4,182 |
| Pretax return on assets | 0.9414% | 3,356 |
| Return on Equity (ROE) | 4.3252% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.3252% | 3,577 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6535% | 3,932 |
| Assets per employee ($millions) | 6.2187% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2831% | 7,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 67.9647% | 2,555 |
| Net loans and leases to deposits | 78.5984% | 2,958 |
| Net loans and leases to core deposits | 83.0816% | 3,296 |
| Total domestic deposits to total assets | 86.4708% | 3,255 |
| Equity capital to assets | 13.4568% | 1,204 |
| Core capital (leverage) ratio | 13.5401% | 956 |
| Tier 1 risk-based capital ratio | 30.2102% | 513 |
| Total risk-based capital ratio | 30.6437% | 540 |
| Memoranda: | ||
| Average total assets | $36,967,000 | 6,935 |
| Average earning assets | $36,153,000 | 6,839 |
| Average equity | $4,994,000 | 6,565 |
| Average total loans | $25,602,000 | 6,554 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 6,910 |
| Cost of funding earning assets | 1.7271% | 1,476 |
| Net interest margin | 2.4798% | 7,282 |
| Noninterest income to average assets | 0.0472% | 7,122 |
| Noninterest expense to average assets | 2.1046% | 6,830 |
| Loan and lease loss provision to assets | 0.0750% | 6,400 |
| Net operating income to assets | 0.2249% | 5,200 |
| Return on assets (ROA) | 0.2249% | 5,352 |
| Pretax return on assets | 0.2915% | 5,253 |
| Return on Equity (ROE) | 1.6411% | 5,514 |
| Retained earnings to average equity (ytd only) | 1.6411% | 4,698 |
| Net charge-offs to loans | 0.0990% | 5,868 |
| Credit loss provision to net charge-offs | 108.0000% | 4,102 |
| Earnings coverage of net charge-offs (x) | 5.2800% | 2,671 |
| Efficiency ratio | 85.1685% | 1,785 |
| Assets per employee ($millions) | 6.1037% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3376% | 7,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 70.1382% | 2,509 |
| Net loans and leases to deposits | 81.1820% | 2,953 |
| Net loans and leases to core deposits | 85.4804% | 3,398 |
| Total domestic deposits to total assets | 86.3962% | 3,142 |
| Equity capital to assets | 13.5629% | 1,165 |
| Core capital (leverage) ratio | 13.2513% | 1,049 |
| Tier 1 risk-based capital ratio | 29.9030% | 509 |
| Total risk-based capital ratio | 30.4272% | 526 |
| Memoranda: | ||
| Average total assets | $36,017,200 | 7,009 |
| Average earning assets | $35,203,800 | 6,910 |
| Average equity | $4,935,600 | 6,686 |
| Average total loans | $25,256,800 | 6,659 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 7,050 |
| Cost of funding earning assets | 1.7922% | 1,447 |
| Net interest margin | 2.4391% | 7,413 |
| Noninterest income to average assets | 0.0260% | 7,376 |
| Noninterest expense to average assets | 2.0520% | 6,954 |
| Loan and lease loss provision to assets | 0.0186% | 6,866 |
| Net operating income to assets | 0.2491% | 5,353 |
| Return on assets (ROA) | 0.2491% | 5,513 |
| Pretax return on assets | 0.3383% | 5,404 |
| Return on Equity (ROE) | 1.8128% | 5,674 |
| Retained earnings to average equity (ytd only) | 1.8128% | 5,057 |
| Net charge-offs to loans | 0.1326% | 5,236 |
| Credit loss provision to net charge-offs | 20.0000% | 6,248 |
| Earnings coverage of net charge-offs (x) | 3.8404% | 3,280 |
| Efficiency ratio | 85.1852% | 1,713 |
| Assets per employee ($millions) | 6.1833% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2558% | 7,617 |
| Loan loss allowance to noncurrent loans | 25.8964% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 5,711 |
| Noncurrent loans to loans | 0.9878% | 5,264 |
| Net loans and leases to total assets | 68.3181% | 3,138 |
| Net loans and leases to deposits | 78.9103% | 3,645 |
| Net loans and leases to core deposits | 84.4135% | 3,884 |
| Total domestic deposits to total assets | 86.5768% | 2,770 |
| Equity capital to assets | 13.3558% | 1,418 |
| Core capital (leverage) ratio | 13.3883% | 1,095 |
| Tier 1 risk-based capital ratio | 29.4391% | 544 |
| Total risk-based capital ratio | 29.8257% | 578 |
| Memoranda: | ||
| Average total assets | $35,866,000 | 7,100 |
| Average earning assets | $35,039,000 | 6,993 |
| Average equity | $4,927,750 | 6,776 |
| Average total loans | $25,127,750 | 6,748 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 7,104 |
| Cost of funding earning assets | 1.8583% | 1,389 |
| Net interest margin | 2.4008% | 7,477 |
| Noninterest income to average assets | 0.0169% | 7,473 |
| Noninterest expense to average assets | 1.9574% | 7,174 |
| Loan and lease loss provision to assets | 0.0226% | 6,709 |
| Net operating income to assets | 0.2764% | 5,271 |
| Return on assets (ROA) | 0.2764% | 5,424 |
| Pretax return on assets | 0.3836% | 5,272 |
| Return on Equity (ROE) | 1.9924% | 5,637 |
| Retained earnings to average equity (ytd only) | 1.9924% | 4,867 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8162% | 2,065 |
| Assets per employee ($millions) | 6.0642% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3561% | 7,628 |
| Loan loss allowance to noncurrent loans | 494.4444% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 6,913 |
| Noncurrent loans to loans | 0.0720% | 7,133 |
| Net loans and leases to total assets | 68.4485% | 3,259 |
| Net loans and leases to deposits | 79.2572% | 3,747 |
| Net loans and leases to core deposits | 82.7519% | 4,315 |
| Total domestic deposits to total assets | 86.3625% | 2,892 |
| Equity capital to assets | 13.5853% | 1,311 |
| Core capital (leverage) ratio | 13.5363% | 1,044 |
| Tier 1 risk-based capital ratio | 29.8591% | 514 |
| Total risk-based capital ratio | 30.3972% | 548 |
| Memoranda: | ||
| Average total assets | $35,454,670 | 7,160 |
| Average earning assets | $34,655,670 | 7,059 |
| Average equity | $4,918,670 | 6,805 |
| Average total loans | $25,033,330 | 6,804 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 7,131 |
| Cost of funding earning assets | 1.9274% | 1,333 |
| Net interest margin | 2.3713% | 7,549 |
| Noninterest income to average assets | 0.0114% | 7,619 |
| Noninterest expense to average assets | 1.9892% | 7,179 |
| Loan and lease loss provision to assets | 0.0457% | 6,215 |
| Net operating income to assets | 0.2286% | 5,581 |
| Return on assets (ROA) | 0.2286% | 5,702 |
| Pretax return on assets | 0.2972% | 5,612 |
| Return on Equity (ROE) | 1.6305% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.6305% | 5,124 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2941% | 1,875 |
| Assets per employee ($millions) | 5.9208% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 7,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 7,034 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 70.8487% | 2,730 |
| Net loans and leases to deposits | 82.2570% | 3,240 |
| Net loans and leases to core deposits | 85.9626% | 3,902 |
| Total domestic deposits to total assets | 86.1309% | 3,080 |
| Equity capital to assets | 13.8325% | 1,198 |
| Core capital (leverage) ratio | 13.9086% | 979 |
| Tier 1 risk-based capital ratio | 29.9323% | 532 |
| Total risk-based capital ratio | 30.4748% | 556 |
| Memoranda: | ||
| Average total assets | $34,989,500 | 7,272 |
| Average earning assets | $34,242,500 | 7,155 |
| Average equity | $4,906,500 | 6,878 |
| Average total loans | $25,053,000 | 6,883 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 6,840 |
| Cost of funding earning assets | 2.0657% | 2,654 |
| Net interest margin | 2.7844% | 7,084 |
| Noninterest income to average assets | 0.0744% | 7,384 |
| Noninterest expense to average assets | 2.5971% | 5,808 |
| Loan and lease loss provision to assets | 0.1116% | 6,531 |
| Net operating income to assets | 0.0778% | 5,271 |
| Return on assets (ROA) | 0.0778% | 5,313 |
| Pretax return on assets | 0.0643% | 5,290 |
| Return on Equity (ROE) | 0.4710% | 5,400 |
| Retained earnings to average equity (ytd only) | 0.4710% | 4,642 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6585% | 1,431 |
| Assets per employee ($millions) | 5.7423% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3421% | 7,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 71.8726% | 2,780 |
| Net loans and leases to deposits | 83.8174% | 3,311 |
| Net loans and leases to core deposits | 125.9306% | 1,519 |
| Total domestic deposits to total assets | 85.7491% | 3,140 |
| Equity capital to assets | 14.2190% | 1,102 |
| Core capital (leverage) ratio | 14.3803% | 909 |
| Tier 1 risk-based capital ratio | 30.4833% | 496 |
| Total risk-based capital ratio | 31.0134% | 521 |
| Memoranda: | ||
| Average total assets | $29,571,400 | 7,487 |
| Average earning assets | $28,659,200 | 7,407 |
| Average equity | $4,882,800 | 6,987 |
| Average total loans | $22,818,600 | 7,035 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 6,542 |
| Cost of funding earning assets | 2.0781% | 2,993 |
| Net interest margin | 2.9444% | 6,738 |
| Noninterest income to average assets | 0.0847% | 7,477 |
| Noninterest expense to average assets | 2.7277% | 5,206 |
| Loan and lease loss provision to assets | 0.0188% | 7,163 |
| Net operating income to assets | 0.1505% | 5,321 |
| Return on assets (ROA) | 0.1505% | 5,380 |
| Pretax return on assets | 0.1834% | 5,333 |
| Return on Equity (ROE) | 0.8746% | 5,537 |
| Retained earnings to average equity (ytd only) | 0.8746% | 4,816 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0979% | 1,459 |
| Assets per employee ($millions) | 5.3853% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2397% | 7,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.1342% | 3,004 |
| Net loans and leases to deposits | 85.0254% | 3,494 |
| Net loans and leases to core deposits | 120.7168% | 2,184 |
| Total domestic deposits to total assets | 84.8385% | 3,314 |
| Equity capital to assets | 15.1213% | 970 |
| Core capital (leverage) ratio | 15.8270% | 704 |
| Tier 1 risk-based capital ratio | 32.6726% | 453 |
| Total risk-based capital ratio | 33.0476% | 472 |
| Memoranda: | ||
| Average total assets | $28,350,750 | 7,599 |
| Average earning assets | $27,396,500 | 7,519 |
| Average equity | $4,878,750 | 7,053 |
| Average total loans | $22,311,250 | 7,134 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 5,992 |
| Cost of funding earning assets | 2.1059% | 3,235 |
| Net interest margin | 3.1167% | 6,185 |
| Noninterest income to average assets | 0.0592% | 7,691 |
| Noninterest expense to average assets | 2.6489% | 5,563 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3034% | 4,883 |
| Return on assets (ROA) | 0.3034% | 4,995 |
| Pretax return on assets | 0.4217% | 4,868 |
| Return on Equity (ROE) | 1.6816% | 5,410 |
| Retained earnings to average equity (ytd only) | 1.6816% | 4,406 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2651% | 2,204 |
| Assets per employee ($millions) | 4.8217% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2250% | 8,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 79.7131% | 1,359 |
| Net loans and leases to deposits | 96.0915% | 1,780 |
| Net loans and leases to core deposits | 130.0457% | 1,553 |
| Total domestic deposits to total assets | 82.9554% | 4,258 |
| Equity capital to assets | 16.9271% | 672 |
| Core capital (leverage) ratio | 17.6980% | 543 |
| Tier 1 risk-based capital ratio | 34.5710% | 428 |
| Total risk-based capital ratio | 34.9388% | 443 |
| Memoranda: | ||
| Average total assets | $27,030,330 | 7,722 |
| Average earning assets | $26,117,670 | 7,636 |
| Average equity | $4,876,330 | 7,110 |
| Average total loans | $21,960,330 | 7,217 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 5,747 |
| Cost of funding earning assets | 2.1897% | 3,215 |
| Net interest margin | 3.1417% | 6,055 |
| Noninterest income to average assets | 0.0767% | 7,669 |
| Noninterest expense to average assets | 2.6380% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3374% | 5,130 |
| Return on assets (ROA) | 0.3374% | 5,313 |
| Pretax return on assets | 0.4755% | 5,150 |
| Return on Equity (ROE) | 1.8085% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.8085% | 4,841 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7291% | 2,222 |
| Assets per employee ($millions) | 4.3008% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2395% | 8,079 |
| Loan loss allowance to noncurrent loans | 23.2143% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 5,023 |
| Noncurrent loans to loans | 1.0318% | 4,926 |
| Net loans and leases to total assets | 83.9256% | 698 |
| Net loans and leases to deposits | 103.5725% | 1,043 |
| Net loans and leases to core deposits | 130.9371% | 1,604 |
| Total domestic deposits to total assets | 81.0308% | 4,954 |
| Equity capital to assets | 18.8994% | 508 |
| Core capital (leverage) ratio | 18.5594% | 490 |
| Tier 1 risk-based capital ratio | 37.1344% | 379 |
| Total risk-based capital ratio | 37.5305% | 390 |
| Memoranda: | ||
| Average total assets | $26,080,500 | 7,795 |
| Average earning assets | $25,209,500 | 7,717 |
| Average equity | $4,866,000 | 7,166 |
| Average total loans | $21,384,000 | 7,290 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5842% | 7,121 |
| Cost of funding earning assets | 2.6599% | 3,374 |
| Net interest margin | 2.9243% | 7,094 |
| Noninterest income to average assets | 0.0381% | 7,945 |
| Noninterest expense to average assets | 2.7440% | 5,077 |
| Loan and lease loss provision to assets | 0.0152% | 7,188 |
| Net operating income to assets | 0.1142% | 6,071 |
| Return on assets (ROA) | 0.1142% | 5,909 |
| Pretax return on assets | 0.0990% | 5,947 |
| Return on Equity (ROE) | 0.6044% | 6,038 |
| Retained earnings to average equity (ytd only) | 0.6044% | 4,879 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0053% | 1,154 |
| Assets per employee ($millions) | 4.3927% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2469% | 8,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 79.7048% | 1,724 |
| Net loans and leases to deposits | 97.7206% | 2,168 |
| Net loans and leases to core deposits | 126.0244% | 2,160 |
| Total domestic deposits to total assets | 81.5640% | 4,382 |
| Equity capital to assets | 18.4209% | 611 |
| Core capital (leverage) ratio | 18.4868% | 558 |
| Tier 1 risk-based capital ratio | 37.2945% | 389 |
| Total risk-based capital ratio | 37.6940% | 405 |
| Memoranda: | ||
| Average total assets | $26,275,200 | 7,796 |
| Average earning assets | $25,339,400 | 7,721 |
| Average equity | $4,963,800 | 7,157 |
| Average total loans | $20,379,200 | 7,310 |