Home > The Brookville Building and Savings Association > Performance and Condition Ratios
The Brookville Building and Savings Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 3,579 |
| Cost of funding earning assets | 0.8708% | 3,581 |
| Net interest margin | 3.3575% | 2,501 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.9399% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4091% | 3,850 |
| Return on assets (ROA) | 0.3860% | 3,892 |
| Pretax return on assets | 0.4230% | 3,930 |
| Return on Equity (ROE) | 1.9100% | 4,163 |
| Retained earnings to average equity (ytd only) | 1.9147% | 3,598 |
| 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 | 86.7667% | 526 |
| Assets per employee ($millions) | 5.2700% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 1,938 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.7000% | 2,401 |
| Net loans and leases to deposits | 83.3186% | 1,831 |
| Net loans and leases to core deposits | 89.4618% | 2,092 |
| Total domestic deposits to total assets | 77.6500% | 3,771 |
| Equity capital to assets | 21.2666% | 260 |
| Core capital (leverage) ratio | 21.9603% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $43,267,400 | 4,370 |
| Average earning assets | $41,339,800 | 4,333 |
| Average equity | $8,722,200 | 3,852 |
| Average total loans | $27,734,000 | 4,173 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 3,538 |
| Cost of funding earning assets | 0.7915% | 3,542 |
| Net interest margin | 3.3677% | 2,528 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.9670% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4015% | 3,964 |
| Return on assets (ROA) | 0.3705% | 4,007 |
| Pretax return on assets | 0.4011% | 4,061 |
| Return on Equity (ROE) | 1.8600% | 4,213 |
| Retained earnings to average equity (ytd only) | 1.8627% | 3,753 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.2187% | 470 |
| Assets per employee ($millions) | 5.4494% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 1,781 |
| 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 | 60.0800% | 2,838 |
| Net loans and leases to deposits | 75.7133% | 2,439 |
| Net loans and leases to core deposits | 80.9257% | 2,536 |
| Total domestic deposits to total assets | 79.3500% | 3,629 |
| Equity capital to assets | 19.8165% | 289 |
| Core capital (leverage) ratio | 21.4745% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $43,544,250 | 4,383 |
| Average earning assets | $41,609,750 | 4,352 |
| Average equity | $8,661,250 | 3,867 |
| Average total loans | $27,761,000 | 4,190 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 3,554 |
| Cost of funding earning assets | 0.6973% | 3,493 |
| Net interest margin | 3.3711% | 2,593 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.9085% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4554% | 3,906 |
| Return on assets (ROA) | 0.4089% | 3,998 |
| Pretax return on assets | 0.4457% | 4,051 |
| Return on Equity (ROE) | 2.0500% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.0534% | 3,714 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.4251% | 522 |
| Assets per employee ($millions) | 5.4581% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,122 |
| 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 | 62.7300% | 2,504 |
| Net loans and leases to deposits | 78.8242% | 2,059 |
| Net loans and leases to core deposits | 83.2386% | 2,253 |
| Total domestic deposits to total assets | 79.5900% | 3,633 |
| Equity capital to assets | 19.8901% | 285 |
| Core capital (leverage) ratio | 21.7183% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $43,527,333 | 4,403 |
| Average earning assets | $41,588,667 | 4,375 |
| Average equity | $8,668,667 | 3,883 |
| Average total loans | $28,168,000 | 4,195 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 3,596 |
| Cost of funding earning assets | 0.5856% | 3,422 |
| Net interest margin | 3.3506% | 2,751 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.9730% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4061% | 4,080 |
| Return on assets (ROA) | 0.3129% | 4,196 |
| Pretax return on assets | 0.3406% | 4,218 |
| Return on Equity (ROE) | 1.5700% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.5703% | 3,770 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.0620% | 465 |
| Assets per employee ($millions) | 4.7484% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,324 |
| 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 | 65.1300% | 2,139 |
| Net loans and leases to deposits | 83.0167% | 1,576 |
| Net loans and leases to core deposits | 87.1224% | 1,797 |
| Total domestic deposits to total assets | 78.4500% | 3,948 |
| Equity capital to assets | 20.3248% | 224 |
| Core capital (leverage) ratio | 21.4158% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $43,458,500 | 4,473 |
| Average earning assets | $41,664,000 | 4,440 |
| Average equity | $8,660,500 | 3,930 |
| Average total loans | $28,380,500 | 4,251 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 2,696 |
| Cost of funding earning assets | 0.3333% | 2,603 |
| Net interest margin | 3.3017% | 2,559 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.7056% | 1,542 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.3789% | 4,266 |
| Return on assets (ROA) | 0.3789% | 4,232 |
| Pretax return on assets | 0.4188% | 4,262 |
| Return on Equity (ROE) | 1.9500% | 4,392 |
| Retained earnings to average equity (ytd only) | 1.9474% | 3,986 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.0465% | 420 |
| Assets per employee ($millions) | 4.9090% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,270 |
| 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 | 63.8900% | 2,255 |
| Net loans and leases to deposits | 79.8303% | 1,783 |
| Net loans and leases to core deposits | 84.6747% | 1,834 |
| Total domestic deposits to total assets | 80.0300% | 3,874 |
| Equity capital to assets | 19.5446% | 236 |
| Core capital (leverage) ratio | 20.8706% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $45,128,800 | 4,487 |
| Average earning assets | $41,099,600 | 4,469 |
| Average equity | $8,780,800 | 4,011 |
| Average total loans | $29,035,800 | 4,257 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5318% | 2,519 |
| Cost of funding earning assets | 0.3234% | 1,930 |
| Net interest margin | 3.2083% | 2,597 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.5657% | 1,803 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3909% | 4,255 |
| Return on assets (ROA) | 0.3909% | 4,202 |
| Pretax return on assets | 0.4320% | 4,233 |
| Return on Equity (ROE) | 2.0100% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.0112% | 4,029 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.8397% | 503 |
| Assets per employee ($millions) | 5.5775% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,368 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 63.0100% | 2,189 |
| Net loans and leases to deposits | 78.1205% | 1,694 |
| Net loans and leases to core deposits | 82.7466% | 1,723 |
| Total domestic deposits to total assets | 80.6500% | 4,033 |
| Equity capital to assets | 19.0251% | 240 |
| Core capital (leverage) ratio | 20.7382% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $45,365,750 | 4,521 |
| Average earning assets | $40,809,250 | 4,505 |
| Average equity | $8,817,250 | 4,056 |
| Average total loans | $29,150,250 | 4,282 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 2,390 |
| Cost of funding earning assets | 0.3236% | 1,496 |
| Net interest margin | 3.0915% | 2,560 |
| Noninterest income to average assets | 0.1359% | 4,332 |
| Noninterest expense to average assets | 2.6001% | 1,636 |
| Loan and lease loss provision to assets | 0.0395% | 1,875 |
| Net operating income to assets | 0.2148% | 4,401 |
| Return on assets (ROA) | 0.2148% | 4,361 |
| Pretax return on assets | 0.2192% | 4,389 |
| Return on Equity (ROE) | 1.0978% | 4,452 |
| Retained earnings to average equity (ytd only) | 1.0978% | 3,973 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9509% | 369 |
| Assets per employee ($millions) | 5.7103% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,795 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,865 |
| Noncurrent loans to loans | 0.0236% | 3,784 |
| Net loans and leases to total assets | 64.1609% | 1,895 |
| Net loans and leases to deposits | 79.1627% | 1,452 |
| Net loans and leases to core deposits | 83.6831% | 1,472 |
| Total domestic deposits to total assets | 81.0494% | 4,126 |
| Equity capital to assets | 18.6748% | 205 |
| Core capital (leverage) ratio | 20.2100% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,614,333 | 4,564 |
| Average earning assets | $40,174,667 | 4,564 |
| Average equity | $8,926,667 | 4,111 |
| Average total loans | $29,379,000 | 4,327 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 1,403 |
| Cost of funding earning assets | 0.3431% | 1,263 |
| Net interest margin | 3.2955% | 1,574 |
| Noninterest income to average assets | 0.1404% | 4,312 |
| Noninterest expense to average assets | 2.6239% | 1,541 |
| Loan and lease loss provision to assets | 0.0790% | 1,041 |
| Net operating income to assets | 0.2106% | 4,312 |
| Return on assets (ROA) | 0.2106% | 4,279 |
| Pretax return on assets | 0.2194% | 4,303 |
| Return on Equity (ROE) | 1.0521% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.0521% | 3,815 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7898% | 557 |
| Assets per employee ($millions) | 5.6536% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,872 |
| Loan loss allowance to noncurrent loans | 4,375.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,880 |
| Noncurrent loans to loans | 0.0274% | 3,798 |
| Net loans and leases to total assets | 63.8175% | 1,641 |
| Net loans and leases to deposits | 79.7326% | 1,167 |
| Net loans and leases to core deposits | 84.3681% | 1,222 |
| Total domestic deposits to total assets | 80.0394% | 4,290 |
| Equity capital to assets | 19.7174% | 171 |
| Core capital (leverage) ratio | 20.2946% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,580,500 | 4,586 |
| Average earning assets | $38,476,500 | 4,608 |
| Average equity | $9,124,500 | 4,146 |
| Average total loans | $29,238,500 | 4,348 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 1,342 |
| Cost of funding earning assets | 0.4013% | 1,536 |
| Net interest margin | 3.6068% | 1,444 |
| Noninterest income to average assets | 0.1553% | 4,376 |
| Noninterest expense to average assets | 2.7152% | 1,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3707% | 4,317 |
| Return on assets (ROA) | 0.4270% | 4,269 |
| Pretax return on assets | 0.4896% | 4,274 |
| Return on Equity (ROE) | 2.1318% | 4,488 |
| Retained earnings to average equity (ytd only) | 2.1318% | 3,948 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4698% | 446 |
| Assets per employee ($millions) | 5.7415% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 3,049 |
| Loan loss allowance to noncurrent loans | 4,262.5000% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 3,971 |
| Noncurrent loans to loans | 0.0273% | 3,876 |
| Net loans and leases to total assets | 62.9670% | 1,830 |
| Net loans and leases to deposits | 79.3906% | 1,263 |
| Net loans and leases to core deposits | 83.9487% | 1,335 |
| Total domestic deposits to total assets | 79.3129% | 4,283 |
| Equity capital to assets | 20.3148% | 172 |
| Core capital (leverage) ratio | 20.2190% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,368,400 | 4,598 |
| Average earning assets | $38,372,000 | 4,635 |
| Average equity | $9,288,000 | 4,214 |
| Average total loans | $29,734,400 | 4,379 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 1,433 |
| Cost of funding earning assets | 0.4172% | 1,569 |
| Net interest margin | 3.6298% | 1,525 |
| Noninterest income to average assets | 0.1578% | 4,410 |
| Noninterest expense to average assets | 2.7453% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3523% | 4,443 |
| Return on assets (ROA) | 0.3873% | 4,423 |
| Pretax return on assets | 0.4475% | 4,430 |
| Return on Equity (ROE) | 1.9402% | 4,598 |
| Retained earnings to average equity (ytd only) | 1.9402% | 4,202 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0792% | 395 |
| Assets per employee ($millions) | 6.4989% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,143 |
| Loan loss allowance to noncurrent loans | 3,788.8889% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,063 |
| Noncurrent loans to loans | 0.0307% | 3,979 |
| Net loans and leases to total assets | 63.6376% | 1,819 |
| Net loans and leases to deposits | 80.5464% | 1,235 |
| Net loans and leases to core deposits | 85.2097% | 1,339 |
| Total domestic deposits to total assets | 79.0073% | 4,340 |
| Equity capital to assets | 20.5509% | 173 |
| Core capital (leverage) ratio | 19.9674% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,477,500 | 4,664 |
| Average earning assets | $38,348,500 | 4,700 |
| Average equity | $9,277,250 | 4,275 |
| Average total loans | $29,852,250 | 4,435 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 1,305 |
| Cost of funding earning assets | 0.4488% | 1,529 |
| Net interest margin | 3.6747% | 1,407 |
| Noninterest income to average assets | 0.1496% | 4,450 |
| Noninterest expense to average assets | 2.7176% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3502% | 4,466 |
| Return on assets (ROA) | 0.4017% | 4,420 |
| Pretax return on assets | 0.4658% | 4,435 |
| Return on Equity (ROE) | 2.0317% | 4,589 |
| Retained earnings to average equity (ytd only) | 2.0317% | 4,104 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0041% | 437 |
| Assets per employee ($millions) | 5.2087% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,043 |
| Loan loss allowance to noncurrent loans | 3,788.8889% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,155 |
| Noncurrent loans to loans | 0.0312% | 4,047 |
| Net loans and leases to total assets | 60.8366% | 2,325 |
| Net loans and leases to deposits | 76.3009% | 1,787 |
| Net loans and leases to core deposits | 80.5098% | 1,845 |
| Total domestic deposits to total assets | 79.7325% | 4,264 |
| Equity capital to assets | 19.8473% | 200 |
| Core capital (leverage) ratio | 19.3865% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,806,000 | 4,689 |
| Average earning assets | $37,880,333 | 4,735 |
| Average equity | $9,253,333 | 4,295 |
| Average total loans | $30,039,333 | 4,467 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 1,698 |
| Cost of funding earning assets | 0.4664% | 1,612 |
| Net interest margin | 3.4873% | 1,856 |
| Noninterest income to average assets | 0.1454% | 4,477 |
| Noninterest expense to average assets | 2.7625% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1278% | 4,689 |
| Return on assets (ROA) | 0.2224% | 4,642 |
| Pretax return on assets | 0.3164% | 4,584 |
| Return on Equity (ROE) | 1.1270% | 4,699 |
| Retained earnings to average equity (ytd only) | 1.1270% | 4,193 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3526% | 294 |
| Assets per employee ($millions) | 5.2584% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 3,297 |
| Loan loss allowance to noncurrent loans | 3,410.0000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,223 |
| Noncurrent loans to loans | 0.0331% | 4,118 |
| Net loans and leases to total assets | 63.1344% | 2,154 |
| Net loans and leases to deposits | 78.8177% | 1,634 |
| Net loans and leases to core deposits | 83.6431% | 1,706 |
| Total domestic deposits to total assets | 80.1018% | 4,192 |
| Equity capital to assets | 19.4333% | 205 |
| Core capital (leverage) ratio | 19.3697% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,770,000 | 4,708 |
| Average earning assets | $37,736,500 | 4,758 |
| Average equity | $9,228,000 | 4,305 |
| Average total loans | $30,629,000 | 4,481 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 1,324 |
| Cost of funding earning assets | 0.6298% | 2,121 |
| Net interest margin | 3.8651% | 1,318 |
| Noninterest income to average assets | 0.1622% | 4,483 |
| Noninterest expense to average assets | 2.6834% | 2,286 |
| Loan and lease loss provision to assets | 0.0278% | 4,053 |
| Net operating income to assets | 0.7571% | 3,246 |
| Return on assets (ROA) | 0.7920% | 3,239 |
| Pretax return on assets | 0.9244% | 3,300 |
| Return on Equity (ROE) | 4.1151% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.1151% | 2,754 |
| Net charge-offs to loans | 0.0030% | 3,268 |
| Credit loss provision to net charge-offs | 1,300.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 264 |
| Efficiency ratio | 74.6437% | 1,371 |
| Assets per employee ($millions) | 5.1349% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 3,467 |
| Loan loss allowance to noncurrent loans | 3,410.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 4,288 |
| Noncurrent loans to loans | 0.0322% | 4,180 |
| Net loans and leases to total assets | 66.4236% | 2,030 |
| Net loans and leases to deposits | 84.8499% | 1,378 |
| Net loans and leases to core deposits | 90.3092% | 1,500 |
| Total domestic deposits to total assets | 78.2836% | 4,286 |
| Equity capital to assets | 20.0351% | 200 |
| Core capital (leverage) ratio | 19.1495% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,843,200 | 4,690 |
| Average earning assets | $41,602,800 | 4,697 |
| Average equity | $9,015,600 | 4,317 |
| Average total loans | $33,114,600 | 4,455 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 1,352 |
| Cost of funding earning assets | 0.6591% | 2,275 |
| Net interest margin | 3.9268% | 1,291 |
| Noninterest income to average assets | 0.1617% | 4,491 |
| Noninterest expense to average assets | 2.6751% | 2,329 |
| Loan and lease loss provision to assets | 0.0362% | 3,891 |
| Net operating income to assets | 0.8591% | 2,867 |
| Return on assets (ROA) | 0.9049% | 2,813 |
| Pretax return on assets | 1.0695% | 2,855 |
| Return on Equity (ROE) | 4.7497% | 3,958 |
| Retained earnings to average equity (ytd only) | 4.7497% | 2,672 |
| Net charge-offs to loans | 0.0040% | 3,025 |
| Credit loss provision to net charge-offs | 1,300.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 309 |
| Efficiency ratio | 71.7656% | 1,669 |
| Assets per employee ($millions) | 5.3151% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 3,789 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,356 |
| Noncurrent loans to loans | 0.0315% | 4,268 |
| Net loans and leases to total assets | 72.1758% | 1,636 |
| Net loans and leases to deposits | 94.2535% | 906 |
| Net loans and leases to core deposits | 100.2002% | 1,147 |
| Total domestic deposits to total assets | 76.5762% | 4,375 |
| Equity capital to assets | 19.2198% | 233 |
| Core capital (leverage) ratio | 18.6407% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,000,500 | 4,711 |
| Average earning assets | $42,680,250 | 4,711 |
| Average equity | $8,954,750 | 4,332 |
| Average total loans | $33,633,750 | 4,469 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 1,324 |
| Cost of funding earning assets | 0.6860% | 2,470 |
| Net interest margin | 4.0464% | 1,226 |
| Noninterest income to average assets | 0.1584% | 4,501 |
| Noninterest expense to average assets | 2.5513% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1225% | 1,895 |
| Return on assets (ROA) | 1.1900% | 1,799 |
| Pretax return on assets | 1.4255% | 1,656 |
| Return on Equity (ROE) | 6.2648% | 3,416 |
| Retained earnings to average equity (ytd only) | 6.2648% | 1,959 |
| Net charge-offs to loans | 0.0060% | 2,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 312 |
| Efficiency ratio | 65.4945% | 2,587 |
| Assets per employee ($millions) | 5.4369% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 3,831 |
| Loan loss allowance to noncurrent loans | 2,981.8182% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,442 |
| Noncurrent loans to loans | 0.0316% | 4,354 |
| Net loans and leases to total assets | 70.5408% | 1,946 |
| Net loans and leases to deposits | 93.1331% | 1,038 |
| Net loans and leases to core deposits | 101.6462% | 1,141 |
| Total domestic deposits to total assets | 75.7418% | 4,453 |
| Equity capital to assets | 18.6708% | 254 |
| Core capital (leverage) ratio | 18.7614% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,722,000 | 4,736 |
| Average earning assets | $43,149,333 | 4,724 |
| Average equity | $8,875,000 | 4,349 |
| Average total loans | $33,222,667 | 4,499 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 3,462 |
| Cost of funding earning assets | 0.7128% | 2,877 |
| Net interest margin | 3.4087% | 3,272 |
| Noninterest income to average assets | 0.1578% | 4,586 |
| Noninterest expense to average assets | 2.4728% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8142% | 2,863 |
| Return on assets (ROA) | 0.9558% | 2,433 |
| Pretax return on assets | 1.1224% | 2,445 |
| Return on Equity (ROE) | 4.9860% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.9860% | 2,284 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1228% | 2,059 |
| Assets per employee ($millions) | 5.1419% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,566 |
| Loan loss allowance to noncurrent loans | 432.4675% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 3,833 |
| Noncurrent loans to loans | 0.2373% | 3,634 |
| Net loans and leases to total assets | 69.4125% | 2,331 |
| Net loans and leases to deposits | 90.4973% | 1,453 |
| Net loans and leases to core deposits | 99.1359% | 1,540 |
| Total domestic deposits to total assets | 76.7012% | 4,394 |
| Equity capital to assets | 18.8366% | 299 |
| Core capital (leverage) ratio | 19.5982% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,617,000 | 4,774 |
| Average earning assets | $43,770,000 | 4,744 |
| Average equity | $8,744,500 | 4,392 |
| Average total loans | $32,411,500 | 4,548 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 3,789 |
| Cost of funding earning assets | 0.7819% | 2,765 |
| Net interest margin | 3.4284% | 3,656 |
| Noninterest income to average assets | 0.1821% | 4,578 |
| Noninterest expense to average assets | 2.5937% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7702% | 3,645 |
| Return on assets (ROA) | 0.7702% | 3,722 |
| Pretax return on assets | 0.8887% | 3,774 |
| Return on Equity (ROE) | 4.1107% | 4,435 |
| Retained earnings to average equity (ytd only) | 4.1107% | 2,914 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4802% | 1,551 |
| Assets per employee ($millions) | 4.9952% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,337 |
| Loan loss allowance to noncurrent loans | 431.1688% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 3,795 |
| Noncurrent loans to loans | 0.2379% | 3,594 |
| Net loans and leases to total assets | 71.2592% | 2,212 |
| Net loans and leases to deposits | 88.8113% | 1,733 |
| Net loans and leases to core deposits | 97.1082% | 1,807 |
| Total domestic deposits to total assets | 80.2367% | 3,927 |
| Equity capital to assets | 19.5120% | 270 |
| Core capital (leverage) ratio | 19.1650% | 269 |
| Tier 1 risk-based capital ratio | 33.9487% | 356 |
| Total risk-based capital ratio | 35.1963% | 350 |
| Memoranda: | ||
| Average total assets | $45,572,200 | 4,821 |
| Average earning assets | $43,868,400 | 4,786 |
| Average equity | $8,538,600 | 4,441 |
| Average total loans | $31,882,000 | 4,601 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 3,917 |
| Cost of funding earning assets | 0.7810% | 2,809 |
| Net interest margin | 3.4209% | 3,807 |
| Noninterest income to average assets | 0.1837% | 4,621 |
| Noninterest expense to average assets | 2.5339% | 3,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8106% | 3,643 |
| Return on assets (ROA) | 0.8106% | 3,723 |
| Pretax return on assets | 0.9447% | 3,753 |
| Return on Equity (ROE) | 4.3709% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.3709% | 3,213 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8416% | 1,723 |
| Assets per employee ($millions) | 5.0011% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,177 |
| Loan loss allowance to noncurrent loans | 424.3590% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 3,882 |
| Noncurrent loans to loans | 0.2520% | 3,638 |
| Net loans and leases to total assets | 68.0404% | 2,784 |
| Net loans and leases to deposits | 84.6135% | 2,367 |
| Net loans and leases to core deposits | 92.4528% | 2,323 |
| Total domestic deposits to total assets | 80.4132% | 3,887 |
| Equity capital to assets | 19.3135% | 288 |
| Core capital (leverage) ratio | 18.8921% | 293 |
| Tier 1 risk-based capital ratio | 34.7629% | 350 |
| Total risk-based capital ratio | 36.0108% | 344 |
| Memoranda: | ||
| Average total assets | $45,726,000 | 4,888 |
| Average earning assets | $44,042,500 | 4,854 |
| Average equity | $8,480,250 | 4,498 |
| Average total loans | $31,760,500 | 4,667 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 4,147 |
| Cost of funding earning assets | 0.7585% | 2,854 |
| Net interest margin | 3.3456% | 4,039 |
| Noninterest income to average assets | 0.1827% | 4,653 |
| Noninterest expense to average assets | 2.4802% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7963% | 3,670 |
| Return on assets (ROA) | 0.7963% | 3,729 |
| Pretax return on assets | 0.9268% | 3,770 |
| Return on Equity (ROE) | 4.3523% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.3523% | 3,088 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7969% | 1,805 |
| Assets per employee ($millions) | 5.1180% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,326 |
| Loan loss allowance to noncurrent loans | 423.0769% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 3,921 |
| Noncurrent loans to loans | 0.2486% | 3,645 |
| Net loans and leases to total assets | 67.3939% | 2,905 |
| Net loans and leases to deposits | 82.9871% | 2,616 |
| Net loans and leases to core deposits | 90.3726% | 2,569 |
| Total domestic deposits to total assets | 81.2101% | 3,748 |
| Equity capital to assets | 18.6184% | 320 |
| Core capital (leverage) ratio | 18.7899% | 293 |
| Tier 1 risk-based capital ratio | 34.6284% | 351 |
| Total risk-based capital ratio | 35.8773% | 345 |
| Memoranda: | ||
| Average total assets | $45,964,670 | 4,928 |
| Average earning assets | $44,297,330 | 4,892 |
| Average equity | $8,409,330 | 4,529 |
| Average total loans | $32,028,670 | 4,701 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 4,234 |
| Cost of funding earning assets | 0.7323% | 2,877 |
| Net interest margin | 3.3270% | 4,095 |
| Noninterest income to average assets | 0.1742% | 4,696 |
| Noninterest expense to average assets | 2.3608% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8712% | 3,345 |
| Return on assets (ROA) | 0.8712% | 3,393 |
| Pretax return on assets | 1.0193% | 3,386 |
| Return on Equity (ROE) | 4.8042% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.8042% | 2,993 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8454% | 2,367 |
| Assets per employee ($millions) | 5.0211% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,551 |
| Loan loss allowance to noncurrent loans | 423.0769% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 3,960 |
| Noncurrent loans to loans | 0.2424% | 3,696 |
| Net loans and leases to total assets | 70.4625% | 2,409 |
| Net loans and leases to deposits | 86.6708% | 2,046 |
| Net loans and leases to core deposits | 93.8102% | 2,144 |
| Total domestic deposits to total assets | 81.2990% | 3,904 |
| Equity capital to assets | 18.6103% | 303 |
| Core capital (leverage) ratio | 18.6400% | 296 |
| Tier 1 risk-based capital ratio | 33.9100% | 352 |
| Total risk-based capital ratio | 35.1571% | 347 |
| Memoranda: | ||
| Average total assets | $45,916,000 | 4,979 |
| Average earning assets | $44,244,500 | 4,940 |
| Average equity | $8,326,000 | 4,568 |
| Average total loans | $32,356,500 | 4,742 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 3,623 |
| Cost of funding earning assets | 0.6685% | 2,278 |
| Net interest margin | 3.4706% | 3,798 |
| Noninterest income to average assets | 0.1819% | 4,817 |
| Noninterest expense to average assets | 2.4950% | 3,630 |
| Loan and lease loss provision to assets | 0.0067% | 3,984 |
| Net operating income to assets | 0.8386% | 3,654 |
| Return on assets (ROA) | 0.7096% | 4,116 |
| Pretax return on assets | 0.8197% | 4,115 |
| Return on Equity (ROE) | 3.9192% | 4,732 |
| Retained earnings to average equity (ytd only) | 3.9192% | 3,422 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9094% | 1,912 |
| Assets per employee ($millions) | 4.6642% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 3,630 |
| Loan loss allowance to noncurrent loans | 194.0828% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 3,101 |
| Noncurrent loans to loans | 0.5193% | 2,719 |
| Net loans and leases to total assets | 69.0644% | 2,721 |
| Net loans and leases to deposits | 84.0346% | 2,510 |
| Net loans and leases to core deposits | 90.6209% | 2,519 |
| Total domestic deposits to total assets | 82.1856% | 3,598 |
| Equity capital to assets | 17.6708% | 365 |
| Core capital (leverage) ratio | 18.4703% | 294 |
| Tier 1 risk-based capital ratio | 32.8137% | 374 |
| Total risk-based capital ratio | 34.0616% | 370 |
| Memoranda: | ||
| Average total assets | $44,529,200 | 5,037 |
| Average earning assets | $42,183,000 | 5,011 |
| Average equity | $8,062,800 | 4,597 |
| Average total loans | $32,007,000 | 4,771 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 3,554 |
| Cost of funding earning assets | 0.6523% | 2,142 |
| Net interest margin | 3.4735% | 3,790 |
| Noninterest income to average assets | 0.1848% | 4,862 |
| Noninterest expense to average assets | 2.4514% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8506% | 3,741 |
| Return on assets (ROA) | 0.8303% | 3,820 |
| Pretax return on assets | 0.9848% | 3,768 |
| Return on Equity (ROE) | 4.5562% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.5562% | 3,475 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8406% | 2,067 |
| Assets per employee ($millions) | 5.0124% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 3,712 |
| Loan loss allowance to noncurrent loans | 191.1765% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 3,179 |
| Noncurrent loans to loans | 0.5266% | 2,799 |
| Net loans and leases to total assets | 70.8415% | 2,524 |
| Net loans and leases to deposits | 86.6188% | 2,305 |
| Net loans and leases to core deposits | 93.6663% | 2,325 |
| Total domestic deposits to total assets | 81.7853% | 3,674 |
| Equity capital to assets | 17.9841% | 336 |
| Core capital (leverage) ratio | 18.9822% | 270 |
| Tier 1 risk-based capital ratio | 32.4604% | 383 |
| Total risk-based capital ratio | 33.7091% | 377 |
| Memoranda: | ||
| Average total assets | $44,001,000 | 5,110 |
| Average earning assets | $41,494,250 | 5,084 |
| Average equity | $8,018,000 | 4,652 |
| Average total loans | $31,873,500 | 4,829 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 3,259 |
| Cost of funding earning assets | 0.6307% | 2,041 |
| Net interest margin | 3.5249% | 3,552 |
| Noninterest income to average assets | 0.1834% | 4,911 |
| Noninterest expense to average assets | 2.4570% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8658% | 3,600 |
| Return on assets (ROA) | 0.8389% | 3,723 |
| Pretax return on assets | 0.9993% | 3,663 |
| Return on Equity (ROE) | 4.5828% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.5828% | 3,301 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4336% | 2,247 |
| Assets per employee ($millions) | 4.8156% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,796 |
| Loan loss allowance to noncurrent loans | 191.1765% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 3,170 |
| Noncurrent loans to loans | 0.5263% | 2,842 |
| Net loans and leases to total assets | 73.7840% | 1,982 |
| Net loans and leases to deposits | 90.9267% | 1,717 |
| Net loans and leases to core deposits | 95.1840% | 2,136 |
| Total domestic deposits to total assets | 81.1467% | 3,953 |
| Equity capital to assets | 18.5648% | 284 |
| Core capital (leverage) ratio | 18.9790% | 267 |
| Tier 1 risk-based capital ratio | 32.9569% | 375 |
| Total risk-based capital ratio | 34.2067% | 369 |
| Memoranda: | ||
| Average total assets | $43,630,670 | 5,172 |
| Average earning assets | $40,908,670 | 5,156 |
| Average equity | $7,986,330 | 4,694 |
| Average total loans | $31,737,000 | 4,883 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 2,960 |
| Cost of funding earning assets | 0.6304% | 1,843 |
| Net interest margin | 3.5460% | 3,360 |
| Noninterest income to average assets | 0.1827% | 4,933 |
| Noninterest expense to average assets | 2.4031% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8772% | 3,379 |
| Return on assets (ROA) | 0.8772% | 3,396 |
| Pretax return on assets | 1.0691% | 3,286 |
| Return on Equity (ROE) | 4.8262% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.8262% | 3,248 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2105% | 2,629 |
| Assets per employee ($millions) | 4.8268% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,747 |
| Loan loss allowance to noncurrent loans | 191.1765% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 3,276 |
| Noncurrent loans to loans | 0.5425% | 2,900 |
| Net loans and leases to total assets | 71.3934% | 2,272 |
| Net loans and leases to deposits | 87.7887% | 1,956 |
| Net loans and leases to core deposits | 91.8607% | 2,312 |
| Total domestic deposits to total assets | 81.3241% | 4,130 |
| Equity capital to assets | 18.3099% | 289 |
| Core capital (leverage) ratio | 18.6462% | 276 |
| Tier 1 risk-based capital ratio | 33.0375% | 374 |
| Total risk-based capital ratio | 34.2873% | 365 |
| Memoranda: | ||
| Average total assets | $43,776,000 | 5,225 |
| Average earning assets | $40,609,500 | 5,214 |
| Average equity | $7,956,500 | 4,751 |
| Average total loans | $31,454,000 | 4,936 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 1,933 |
| Cost of funding earning assets | 0.7510% | 815 |
| Net interest margin | 3.6807% | 2,875 |
| Noninterest income to average assets | 0.1736% | 5,088 |
| Noninterest expense to average assets | 2.5067% | 3,761 |
| Loan and lease loss provision to assets | 0.0203% | 3,893 |
| Net operating income to assets | 0.6515% | 3,816 |
| Return on assets (ROA) | 0.6582% | 3,827 |
| Pretax return on assets | 0.8814% | 3,970 |
| Return on Equity (ROE) | 3.7359% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.7359% | 2,988 |
| Net charge-offs to loans | 0.0262% | 3,282 |
| Credit loss provision to net charge-offs | 112.5000% | 2,313 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 1,093 |
| Efficiency ratio | 73.7401% | 1,935 |
| Assets per employee ($millions) | 4.4111% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,748 |
| Loan loss allowance to noncurrent loans | 2,166.6667% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 4,968 |
| Noncurrent loans to loans | 0.0475% | 4,782 |
| Net loans and leases to total assets | 70.8304% | 2,390 |
| Net loans and leases to deposits | 87.0986% | 2,117 |
| Net loans and leases to core deposits | 91.0532% | 2,458 |
| Total domestic deposits to total assets | 81.3221% | 4,047 |
| Equity capital to assets | 18.0431% | 309 |
| Core capital (leverage) ratio | 17.9404% | 296 |
| Tier 1 risk-based capital ratio | 33.1199% | 368 |
| Total risk-based capital ratio | 34.3673% | 362 |
| Memoranda: | ||
| Average total assets | $44,361,800 | 5,266 |
| Average earning assets | $38,879,000 | 5,291 |
| Average equity | $7,816,000 | 4,812 |
| Average total loans | $30,590,200 | 5,010 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 1,832 |
| Cost of funding earning assets | 0.7575% | 731 |
| Net interest margin | 3.6807% | 2,820 |
| Noninterest income to average assets | 0.1741% | 5,144 |
| Noninterest expense to average assets | 2.4460% | 3,898 |
| Loan and lease loss provision to assets | 0.0150% | 3,844 |
| Net operating income to assets | 0.7051% | 3,953 |
| Return on assets (ROA) | 0.7143% | 3,964 |
| Pretax return on assets | 0.9334% | 3,922 |
| Return on Equity (ROE) | 4.0787% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.0787% | 3,494 |
| Net charge-offs to loans | 0.0352% | 2,730 |
| Credit loss provision to net charge-offs | 62.5000% | 2,777 |
| Earnings coverage of net charge-offs (x) | 38.9869% | 1,329 |
| Efficiency ratio | 72.3159% | 2,160 |
| Assets per employee ($millions) | 4.4737% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,937 |
| Loan loss allowance to noncurrent loans | 2,140.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,067 |
| Noncurrent loans to loans | 0.0478% | 4,898 |
| Net loans and leases to total assets | 69.4280% | 2,644 |
| Net loans and leases to deposits | 85.1799% | 2,410 |
| Net loans and leases to core deposits | 89.1044% | 2,684 |
| Total domestic deposits to total assets | 81.5075% | 3,916 |
| Equity capital to assets | 17.7415% | 355 |
| Core capital (leverage) ratio | 17.8661% | 312 |
| Tier 1 risk-based capital ratio | 33.0347% | 380 |
| Total risk-based capital ratio | 34.2832% | 370 |
| Memoranda: | ||
| Average total assets | $44,424,500 | 5,319 |
| Average earning assets | $38,724,000 | 5,353 |
| Average equity | $7,780,250 | 4,868 |
| Average total loans | $30,345,500 | 5,069 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 1,842 |
| Cost of funding earning assets | 0.7579% | 663 |
| Net interest margin | 3.6337% | 2,895 |
| Noninterest income to average assets | 0.1625% | 5,243 |
| Noninterest expense to average assets | 2.4233% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6901% | 3,887 |
| Return on assets (ROA) | 0.7040% | 3,898 |
| Pretax return on assets | 0.9161% | 3,879 |
| Return on Equity (ROE) | 4.0373% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.0373% | 3,310 |
| Net charge-offs to loans | 0.0267% | 2,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 49.7500% | 1,080 |
| Efficiency ratio | 72.9620% | 2,191 |
| Assets per employee ($millions) | 4.4692% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,919 |
| Loan loss allowance to noncurrent loans | 1,684.2105% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 5,070 |
| Noncurrent loans to loans | 0.0616% | 4,878 |
| Net loans and leases to total assets | 68.3031% | 2,764 |
| Net loans and leases to deposits | 83.5848% | 2,536 |
| Net loans and leases to core deposits | 87.4044% | 2,755 |
| Total domestic deposits to total assets | 81.7171% | 3,970 |
| Equity capital to assets | 17.5848% | 356 |
| Core capital (leverage) ratio | 17.6235% | 319 |
| Tier 1 risk-based capital ratio | 33.4139% | 349 |
| Total risk-based capital ratio | 34.6643% | 347 |
| Memoranda: | ||
| Average total assets | $44,320,330 | 5,360 |
| Average earning assets | $38,528,330 | 5,400 |
| Average equity | $7,728,000 | 4,897 |
| Average total loans | $30,000,330 | 5,115 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 1,579 |
| Cost of funding earning assets | 0.7632% | 606 |
| Net interest margin | 3.6594% | 2,657 |
| Noninterest income to average assets | 0.1631% | 5,301 |
| Noninterest expense to average assets | 2.3292% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7522% | 3,467 |
| Return on assets (ROA) | 0.7794% | 3,372 |
| Pretax return on assets | 1.0423% | 3,193 |
| Return on Equity (ROE) | 4.4894% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.4894% | 3,174 |
| Net charge-offs to loans | 0.0541% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 1,269 |
| Efficiency ratio | 69.8370% | 2,922 |
| Assets per employee ($millions) | 4.8908% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,882 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 5,125 |
| Noncurrent loans to loans | 0.0669% | 4,929 |
| Net loans and leases to total assets | 67.1740% | 2,792 |
| Net loans and leases to deposits | 82.1995% | 2,479 |
| Net loans and leases to core deposits | 85.9935% | 2,708 |
| Total domestic deposits to total assets | 81.7207% | 4,242 |
| Equity capital to assets | 17.5205% | 337 |
| Core capital (leverage) ratio | 17.7816% | 303 |
| Tier 1 risk-based capital ratio | 34.6062% | 333 |
| Total risk-based capital ratio | 35.8554% | 330 |
| Memoranda: | ||
| Average total assets | $44,134,500 | 5,417 |
| Average earning assets | $38,257,500 | 5,459 |
| Average equity | $7,662,500 | 4,947 |
| Average total loans | $29,577,500 | 5,175 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 1,844 |
| Cost of funding earning assets | 0.9897% | 182 |
| Net interest margin | 3.4027% | 3,819 |
| Noninterest income to average assets | 0.1693% | 5,375 |
| Noninterest expense to average assets | 2.4491% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4428% | 4,819 |
| Return on assets (ROA) | 0.4650% | 4,834 |
| Pretax return on assets | 0.5643% | 4,887 |
| Return on Equity (ROE) | 2.7036% | 5,240 |
| Retained earnings to average equity (ytd only) | 2.7036% | 3,982 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0106% | 1,197 |
| Assets per employee ($millions) | 4.9169% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,668 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 5,126 |
| Noncurrent loans to loans | 0.0820% | 4,912 |
| Net loans and leases to total assets | 65.4050% | 3,160 |
| Net loans and leases to deposits | 79.7306% | 2,913 |
| Net loans and leases to core deposits | 83.3540% | 3,089 |
| Total domestic deposits to total assets | 82.0325% | 4,067 |
| Equity capital to assets | 17.2037% | 365 |
| Core capital (leverage) ratio | 17.4035% | 324 |
| Tier 1 risk-based capital ratio | 35.7997% | 299 |
| Total risk-based capital ratio | 37.0506% | 291 |
| Memoranda: | ||
| Average total assets | $44,301,800 | 5,459 |
| Average earning assets | $36,676,800 | 5,531 |
| Average equity | $7,619,400 | 4,990 |
| Average total loans | $27,691,400 | 5,280 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 1,707 |
| Cost of funding earning assets | 1.0393% | 138 |
| Net interest margin | 3.4090% | 3,810 |
| Noninterest income to average assets | 0.2076% | 5,226 |
| Noninterest expense to average assets | 2.4672% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4333% | 4,926 |
| Return on assets (ROA) | 0.4333% | 5,010 |
| Pretax return on assets | 0.5235% | 5,068 |
| Return on Equity (ROE) | 2.5194% | 5,348 |
| Retained earnings to average equity (ytd only) | 2.5194% | 4,408 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4950% | 1,130 |
| Assets per employee ($millions) | 5.5230% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,643 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 5,243 |
| Noncurrent loans to loans | 0.0841% | 5,013 |
| Net loans and leases to total assets | 63.8557% | 3,421 |
| Net loans and leases to deposits | 78.3548% | 3,151 |
| Net loans and leases to core deposits | 82.6639% | 3,233 |
| Total domestic deposits to total assets | 81.4956% | 4,106 |
| Equity capital to assets | 17.4656% | 396 |
| Core capital (leverage) ratio | 17.3131% | 345 |
| Tier 1 risk-based capital ratio | 36.4692% | 307 |
| Total risk-based capital ratio | 37.7207% | 302 |
| Memoranda: | ||
| Average total assets | $44,314,250 | 5,513 |
| Average earning assets | $36,177,250 | 5,596 |
| Average equity | $7,621,000 | 5,043 |
| Average total loans | $27,297,500 | 5,342 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 1,748 |
| Cost of funding earning assets | 1.0691% | 102 |
| Net interest margin | 3.3593% | 4,027 |
| Noninterest income to average assets | 0.2299% | 5,109 |
| Noninterest expense to average assets | 2.5339% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3427% | 5,198 |
| Return on assets (ROA) | 0.3427% | 5,282 |
| Pretax return on assets | 0.3878% | 5,363 |
| Return on Equity (ROE) | 2.0029% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.0029% | 4,560 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7284% | 817 |
| Assets per employee ($millions) | 4.9430% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 3,275 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,437 |
| Noncurrent loans to loans | 0.0600% | 5,207 |
| Net loans and leases to total assets | 59.2510% | 3,980 |
| Net loans and leases to deposits | 72.4865% | 3,744 |
| Net loans and leases to core deposits | 76.3830% | 3,790 |
| Total domestic deposits to total assets | 81.7407% | 4,079 |
| Equity capital to assets | 17.1938% | 404 |
| Core capital (leverage) ratio | 17.1362% | 355 |
| Tier 1 risk-based capital ratio | 38.7246% | 251 |
| Total risk-based capital ratio | 39.9786% | 247 |
| Memoranda: | ||
| Average total assets | $44,357,670 | 5,576 |
| Average earning assets | $35,543,000 | 5,675 |
| Average equity | $7,589,000 | 5,091 |
| Average total loans | $26,884,000 | 5,408 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 1,337 |
| Cost of funding earning assets | 1.0836% | 102 |
| Net interest margin | 3.4879% | 3,515 |
| Noninterest income to average assets | 0.1626% | 5,521 |
| Noninterest expense to average assets | 2.5828% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3161% | 5,256 |
| Return on assets (ROA) | 0.3161% | 5,341 |
| Pretax return on assets | 0.3703% | 5,361 |
| Return on Equity (ROE) | 1.8521% | 5,532 |
| Retained earnings to average equity (ytd only) | 1.8521% | 4,521 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4618% | 852 |
| Assets per employee ($millions) | 4.9068% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 3,498 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 5,489 |
| Noncurrent loans to loans | 0.0591% | 5,243 |
| Net loans and leases to total assets | 60.5580% | 3,705 |
| Net loans and leases to deposits | 74.0598% | 3,432 |
| Net loans and leases to core deposits | 78.0180% | 3,490 |
| Total domestic deposits to total assets | 81.7690% | 4,293 |
| Equity capital to assets | 17.1984% | 404 |
| Core capital (leverage) ratio | 17.0640% | 365 |
| Tier 1 risk-based capital ratio | 36.7732% | 293 |
| Total risk-based capital ratio | 38.0236% | 290 |
| Memoranda: | ||
| Average total assets | $44,293,000 | 5,631 |
| Average earning assets | $35,437,000 | 5,733 |
| Average equity | $7,559,000 | 5,129 |
| Average total loans | $26,984,500 | 5,449 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 1,777 |
| Cost of funding earning assets | 1.1243% | 83 |
| Net interest margin | 3.3136% | 4,239 |
| Noninterest income to average assets | 0.1684% | 5,574 |
| Noninterest expense to average assets | 2.5188% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2867% | 5,397 |
| Return on assets (ROA) | 0.2867% | 5,477 |
| Pretax return on assets | 0.3117% | 5,501 |
| Return on Equity (ROE) | 1.6882% | 5,649 |
| Retained earnings to average equity (ytd only) | 1.6882% | 4,767 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9871% | 759 |
| Assets per employee ($millions) | 4.4425% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 3,457 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,535 |
| Noncurrent loans to loans | 0.0595% | 5,281 |
| Net loans and leases to total assets | 59.8267% | 3,861 |
| Net loans and leases to deposits | 73.0205% | 3,611 |
| Net loans and leases to core deposits | 76.7906% | 3,683 |
| Total domestic deposits to total assets | 81.9313% | 4,183 |
| Equity capital to assets | 16.9342% | 417 |
| Core capital (leverage) ratio | 17.1369% | 351 |
| Tier 1 risk-based capital ratio | 36.7080% | 288 |
| Total risk-based capital ratio | 37.9576% | 285 |
| Memoranda: | ||
| Average total assets | $43,950,200 | 5,686 |
| Average earning assets | $35,309,400 | 5,780 |
| Average equity | $7,463,600 | 5,156 |
| Average total loans | $26,942,600 | 5,484 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 1,793 |
| Cost of funding earning assets | 1.1292% | 84 |
| Net interest margin | 3.3082% | 4,309 |
| Noninterest income to average assets | 0.1643% | 5,660 |
| Noninterest expense to average assets | 2.4761% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3103% | 5,425 |
| Return on assets (ROA) | 0.3103% | 5,510 |
| Pretax return on assets | 0.3529% | 5,550 |
| Return on Equity (ROE) | 1.8258% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.8258% | 4,962 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5269% | 885 |
| Assets per employee ($millions) | 3.9398% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 3,558 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 5,637 |
| Noncurrent loans to loans | 0.0601% | 5,379 |
| Net loans and leases to total assets | 60.6858% | 3,776 |
| Net loans and leases to deposits | 74.5211% | 3,486 |
| Net loans and leases to core deposits | 78.4419% | 3,565 |
| Total domestic deposits to total assets | 81.4343% | 4,356 |
| Equity capital to assets | 17.3012% | 405 |
| Core capital (leverage) ratio | 17.1304% | 372 |
| Tier 1 risk-based capital ratio | 34.4893% | 362 |
| Total risk-based capital ratio | 35.7402% | 360 |
| Memoranda: | ||
| Average total assets | $43,831,500 | 5,764 |
| Average earning assets | $35,305,000 | 5,858 |
| Average equity | $7,448,750 | 5,224 |
| Average total loans | $26,952,750 | 5,544 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 1,741 |
| Cost of funding earning assets | 1.1164% | 84 |
| Net interest margin | 3.3155% | 4,239 |
| Noninterest income to average assets | 0.1546% | 5,783 |
| Noninterest expense to average assets | 2.3957% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3637% | 5,252 |
| Return on assets (ROA) | 0.3637% | 5,362 |
| Pretax return on assets | 0.4319% | 5,395 |
| Return on Equity (ROE) | 2.1528% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.1528% | 4,630 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7267% | 1,184 |
| Assets per employee ($millions) | 4.3781% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 3,645 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 5,721 |
| Noncurrent loans to loans | 0.0605% | 5,488 |
| Net loans and leases to total assets | 59.7154% | 3,877 |
| Net loans and leases to deposits | 73.1035% | 3,607 |
| Net loans and leases to core deposits | 76.8467% | 3,681 |
| Total domestic deposits to total assets | 81.6861% | 4,395 |
| Equity capital to assets | 17.0142% | 419 |
| Core capital (leverage) ratio | 17.0197% | 364 |
| Tier 1 risk-based capital ratio | 34.5453% | 377 |
| Total risk-based capital ratio | 35.7974% | 373 |
| Memoranda: | ||
| Average total assets | $43,996,000 | 5,822 |
| Average earning assets | $35,469,670 | 5,918 |
| Average equity | $7,432,330 | 5,273 |
| Average total loans | $27,062,330 | 5,590 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,652 |
| Cost of funding earning assets | 1.1196% | 86 |
| Net interest margin | 3.3140% | 4,156 |
| Noninterest income to average assets | 0.1633% | 5,756 |
| Noninterest expense to average assets | 2.4760% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3265% | 5,319 |
| Return on assets (ROA) | 0.3265% | 5,429 |
| Pretax return on assets | 0.3719% | 5,492 |
| Return on Equity (ROE) | 1.9397% | 5,703 |
| Retained earnings to average equity (ytd only) | 1.9397% | 4,697 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9427% | 1,103 |
| Assets per employee ($millions) | 4.8627% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 4,035 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,792 |
| Noncurrent loans to loans | 0.0588% | 5,543 |
| Net loans and leases to total assets | 61.4729% | 3,454 |
| Net loans and leases to deposits | 75.3058% | 3,135 |
| Net loans and leases to core deposits | 79.0893% | 3,274 |
| Total domestic deposits to total assets | 81.6310% | 4,628 |
| Equity capital to assets | 17.0300% | 419 |
| Core capital (leverage) ratio | 16.7629% | 381 |
| Tier 1 risk-based capital ratio | 37.7995% | 291 |
| Total risk-based capital ratio | 39.0508% | 292 |
| Memoranda: | ||
| Average total assets | $44,103,500 | 5,865 |
| Average earning assets | $35,727,000 | 5,970 |
| Average equity | $7,424,000 | 5,323 |
| Average total loans | $27,359,500 | 5,623 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,386 |
| Cost of funding earning assets | 1.2027% | 83 |
| Net interest margin | 3.4606% | 3,938 |
| Noninterest income to average assets | 0.1889% | 5,726 |
| Noninterest expense to average assets | 2.4629% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4116% | 5,185 |
| Return on assets (ROA) | 0.4116% | 5,244 |
| Pretax return on assets | 0.5218% | 5,194 |
| Return on Equity (ROE) | 2.5300% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.5300% | 4,436 |
| Net charge-offs to loans | -0.0036% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5170% | 1,598 |
| Assets per employee ($millions) | 4.9381% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 4,128 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,895 |
| Noncurrent loans to loans | 0.0582% | 5,647 |
| Net loans and leases to total assets | 61.1300% | 3,620 |
| Net loans and leases to deposits | 74.6579% | 3,355 |
| Net loans and leases to core deposits | 78.2128% | 3,497 |
| Total domestic deposits to total assets | 81.8802% | 4,461 |
| Equity capital to assets | 16.6393% | 462 |
| Core capital (leverage) ratio | 16.6303% | 401 |
| Tier 1 risk-based capital ratio | 35.0583% | 339 |
| Total risk-based capital ratio | 36.3106% | 335 |
| Memoranda: | ||
| Average total assets | $44,460,600 | 5,917 |
| Average earning assets | $35,919,000 | 6,037 |
| Average equity | $7,233,200 | 5,371 |
| Average total loans | $27,598,200 | 5,668 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 1,375 |
| Cost of funding earning assets | 1.2163% | 81 |
| Net interest margin | 3.4560% | 3,995 |
| Noninterest income to average assets | 0.1979% | 5,739 |
| Noninterest expense to average assets | 2.4798% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4048% | 5,233 |
| Return on assets (ROA) | 0.4048% | 5,311 |
| Pretax return on assets | 0.5128% | 5,294 |
| Return on Equity (ROE) | 2.5025% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.5025% | 4,794 |
| Net charge-offs to loans | -0.0048% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8657% | 1,511 |
| Assets per employee ($millions) | 4.8343% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 4,329 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 6,022 |
| Noncurrent loans to loans | 0.0584% | 5,782 |
| Net loans and leases to total assets | 62.2423% | 3,448 |
| Net loans and leases to deposits | 76.2953% | 3,147 |
| Net loans and leases to core deposits | 79.9652% | 3,317 |
| Total domestic deposits to total assets | 81.5808% | 4,635 |
| Equity capital to assets | 16.8034% | 455 |
| Core capital (leverage) ratio | 16.8816% | 385 |
| Tier 1 risk-based capital ratio | 35.4352% | 344 |
| Total risk-based capital ratio | 36.6413% | 340 |
| Memoranda: | ||
| Average total assets | $44,465,000 | 5,987 |
| Average earning assets | $35,956,250 | 6,113 |
| Average equity | $7,192,750 | 5,424 |
| Average total loans | $27,624,750 | 5,725 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,318 |
| Cost of funding earning assets | 1.2515% | 73 |
| Net interest margin | 3.4320% | 4,053 |
| Noninterest income to average assets | 0.2144% | 5,666 |
| Noninterest expense to average assets | 2.3937% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4421% | 5,048 |
| Return on assets (ROA) | 0.4421% | 5,125 |
| Pretax return on assets | 0.5761% | 5,035 |
| Return on Equity (ROE) | 2.7679% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.7679% | 4,437 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6015% | 1,932 |
| Assets per employee ($millions) | 4.9200% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 4,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 61.5944% | 3,470 |
| Net loans and leases to deposits | 75.1764% | 3,167 |
| Net loans and leases to core deposits | 78.6493% | 3,360 |
| Total domestic deposits to total assets | 81.9332% | 4,668 |
| Equity capital to assets | 16.4295% | 486 |
| Core capital (leverage) ratio | 16.5063% | 413 |
| Tier 1 risk-based capital ratio | 34.1958% | 370 |
| Total risk-based capital ratio | 35.4496% | 362 |
| Memoranda: | ||
| Average total assets | $44,783,670 | 6,037 |
| Average earning assets | $35,955,670 | 6,172 |
| Average equity | $7,153,330 | 5,450 |
| Average total loans | $27,698,000 | 5,763 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7062% | 1,243 |
| Cost of funding earning assets | 1.2795% | 68 |
| Net interest margin | 3.4267% | 4,002 |
| Noninterest income to average assets | 0.1421% | 6,122 |
| Noninterest expense to average assets | 2.4780% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2931% | 5,517 |
| Return on assets (ROA) | 0.2931% | 5,560 |
| Pretax return on assets | 0.3997% | 5,457 |
| Return on Equity (ROE) | 1.8611% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.8611% | 4,849 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1111% | 1,441 |
| Assets per employee ($millions) | 4.9718% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 4,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 5,638 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 61.2926% | 3,347 |
| Net loans and leases to deposits | 76.0566% | 2,806 |
| Net loans and leases to core deposits | 79.5348% | 3,030 |
| Total domestic deposits to total assets | 80.5882% | 5,359 |
| Equity capital to assets | 15.9322% | 537 |
| Core capital (leverage) ratio | 16.1869% | 461 |
| Tier 1 risk-based capital ratio | 33.6383% | 397 |
| Total risk-based capital ratio | 34.8830% | 390 |
| Memoranda: | ||
| Average total assets | $45,035,500 | 6,089 |
| Average earning assets | $35,952,500 | 6,237 |
| Average equity | $7,092,500 | 5,494 |
| Average total loans | $27,748,500 | 5,815 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9334% | 1,032 |
| Cost of funding earning assets | 1.4279% | 63 |
| Net interest margin | 3.5055% | 3,878 |
| Noninterest income to average assets | 0.1620% | 6,122 |
| Noninterest expense to average assets | 2.5027% | 4,757 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2685% | 5,623 |
| Return on assets (ROA) | 0.2685% | 5,707 |
| Pretax return on assets | 0.3173% | 5,682 |
| Return on Equity (ROE) | 1.6949% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.6949% | 5,023 |
| Net charge-offs to loans | 0.0142% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 1,044 |
| Efficiency ratio | 88.7490% | 1,136 |
| Assets per employee ($millions) | 5.0361% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 4,839 |
| Loan loss allowance to noncurrent loans | 90.4762% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 3,457 |
| Noncurrent loans to loans | 1.2866% | 2,987 |
| Net loans and leases to total assets | 60.5074% | 3,625 |
| Net loans and leases to deposits | 74.8009% | 3,133 |
| Net loans and leases to core deposits | 78.1050% | 3,347 |
| Total domestic deposits to total assets | 80.8913% | 5,211 |
| Equity capital to assets | 15.5676% | 586 |
| Core capital (leverage) ratio | 15.9162% | 478 |
| Tier 1 risk-based capital ratio | 32.3759% | 417 |
| Total risk-based capital ratio | 33.6325% | 410 |
| Memoranda: | ||
| Average total assets | $45,071,200 | 6,147 |
| Average earning assets | $34,175,200 | 6,345 |
| Average equity | $7,139,000 | 5,540 |
| Average total loans | $28,171,200 | 5,837 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 901 |
| Cost of funding earning assets | 1.4507% | 62 |
| Net interest margin | 3.5716% | 3,568 |
| Noninterest income to average assets | 0.1452% | 6,308 |
| Noninterest expense to average assets | 2.4736% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2725% | 5,698 |
| Return on assets (ROA) | 0.2725% | 5,806 |
| Pretax return on assets | 0.3555% | 5,730 |
| Return on Equity (ROE) | 1.7132% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.7132% | 5,282 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4346% | 1,221 |
| Assets per employee ($millions) | 4.9027% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 4,985 |
| Loan loss allowance to noncurrent loans | 257.4803% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 4,661 |
| Noncurrent loans to loans | 0.4566% | 5,049 |
| Net loans and leases to total assets | 62.2949% | 3,310 |
| Net loans and leases to deposits | 77.6228% | 2,726 |
| Net loans and leases to core deposits | 81.1185% | 2,985 |
| Total domestic deposits to total assets | 80.2534% | 5,443 |
| Equity capital to assets | 16.1159% | 536 |
| Core capital (leverage) ratio | 16.2769% | 459 |
| Tier 1 risk-based capital ratio | 32.4845% | 425 |
| Total risk-based capital ratio | 33.7374% | 416 |
| Memoranda: | ||
| Average total assets | $45,007,750 | 6,217 |
| Average earning assets | $33,821,750 | 6,423 |
| Average equity | $7,159,750 | 5,593 |
| Average total loans | $28,277,000 | 5,890 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0580% | 831 |
| Cost of funding earning assets | 1.4855% | 59 |
| Net interest margin | 3.5725% | 3,477 |
| Noninterest income to average assets | 0.1457% | 6,318 |
| Noninterest expense to average assets | 2.4414% | 4,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2516% | 5,773 |
| Return on assets (ROA) | 0.2516% | 5,900 |
| Pretax return on assets | 0.3267% | 5,803 |
| Return on Equity (ROE) | 1.5886% | 6,076 |
| Retained earnings to average equity (ytd only) | 1.5886% | 5,233 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1978% | 1,204 |
| Assets per employee ($millions) | 4.5455% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 5,188 |
| Loan loss allowance to noncurrent loans | 220.9459% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 5,495 |
| Noncurrent loans to loans | 0.5259% | 4,948 |
| Net loans and leases to total assets | 61.1902% | 3,448 |
| Net loans and leases to deposits | 76.2696% | 2,843 |
| Net loans and leases to core deposits | 79.5436% | 3,079 |
| Total domestic deposits to total assets | 80.2288% | 5,554 |
| Equity capital to assets | 15.9784% | 523 |
| Core capital (leverage) ratio | 15.7210% | 491 |
| Tier 1 risk-based capital ratio | 32.9369% | 408 |
| Total risk-based capital ratio | 34.1952% | 401 |
| Memoranda: | ||
| Average total assets | $45,302,330 | 6,254 |
| Average earning assets | $33,254,330 | 6,492 |
| Average equity | $7,176,000 | 5,639 |
| Average total loans | $28,431,330 | 5,915 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 734 |
| Cost of funding earning assets | 1.5196% | 52 |
| Net interest margin | 3.5862% | 3,315 |
| Noninterest income to average assets | 0.1327% | 6,431 |
| Noninterest expense to average assets | 2.4676% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1857% | 5,934 |
| Return on assets (ROA) | 0.1857% | 6,047 |
| Pretax return on assets | 0.2742% | 5,910 |
| Return on Equity (ROE) | 1.1777% | 6,177 |
| Retained earnings to average equity (ytd only) | 1.1777% | 5,378 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0000% | 1,146 |
| Assets per employee ($millions) | 5.0558% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 5,344 |
| Loan loss allowance to noncurrent loans | 205.6604% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 5,548 |
| Noncurrent loans to loans | 0.5669% | 5,019 |
| Net loans and leases to total assets | 60.9160% | 3,266 |
| Net loans and leases to deposits | 75.6620% | 2,691 |
| Net loans and leases to core deposits | 78.2884% | 3,020 |
| Total domestic deposits to total assets | 80.5107% | 5,628 |
| Equity capital to assets | 15.7619% | 596 |
| Core capital (leverage) ratio | 15.6367% | 499 |
| Tier 1 risk-based capital ratio | 33.6518% | 389 |
| Total risk-based capital ratio | 34.8342% | 387 |
| Memoranda: | ||
| Average total assets | $45,226,000 | 6,310 |
| Average earning assets | $32,903,500 | 6,554 |
| Average equity | $7,132,500 | 5,705 |
| Average total loans | $28,576,500 | 5,953 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 1,224 |
| Cost of funding earning assets | 1.5511% | 130 |
| Net interest margin | 3.5923% | 4,122 |
| Noninterest income to average assets | 0.1285% | 6,398 |
| Noninterest expense to average assets | 2.5647% | 4,883 |
| Loan and lease loss provision to assets | 0.0361% | 5,437 |
| Net operating income to assets | 0.2997% | 5,468 |
| Return on assets (ROA) | 0.2997% | 5,678 |
| Pretax return on assets | 0.4350% | 5,463 |
| Return on Equity (ROE) | 1.8922% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.8922% | 4,893 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4840% | 1,575 |
| Assets per employee ($millions) | 4.4950% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,460 |
| Loan loss allowance to noncurrent loans | 710.8696% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 6,331 |
| Noncurrent loans to loans | 0.1580% | 6,082 |
| Net loans and leases to total assets | 64.0289% | 2,891 |
| Net loans and leases to deposits | 79.6485% | 2,335 |
| Net loans and leases to core deposits | 82.4033% | 2,725 |
| Total domestic deposits to total assets | 80.3893% | 5,572 |
| Equity capital to assets | 15.7798% | 593 |
| Core capital (leverage) ratio | 15.7686% | 479 |
| Tier 1 risk-based capital ratio | 33.1664% | 397 |
| Total risk-based capital ratio | 34.3737% | 389 |
| Memoranda: | ||
| Average total assets | $44,371,600 | 6,365 |
| Average earning assets | $35,910,000 | 6,504 |
| Average equity | $7,029,000 | 5,759 |
| Average total loans | $31,133,200 | 5,891 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 1,093 |
| Cost of funding earning assets | 1.5772% | 142 |
| Net interest margin | 3.6763% | 3,897 |
| Noninterest income to average assets | 0.1266% | 6,502 |
| Noninterest expense to average assets | 2.5685% | 4,852 |
| Loan and lease loss provision to assets | 0.0482% | 5,169 |
| Net operating income to assets | 0.3256% | 5,521 |
| Return on assets (ROA) | 0.3256% | 5,727 |
| Pretax return on assets | 0.4824% | 5,510 |
| Return on Equity (ROE) | 2.0533% | 6,008 |
| Retained earnings to average equity (ytd only) | 2.0533% | 5,295 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8794% | 1,717 |
| Assets per employee ($millions) | 4.4755% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 5,802 |
| Loan loss allowance to noncurrent loans | 2,043.7500% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 6,680 |
| Noncurrent loans to loans | 0.0528% | 6,484 |
| Net loans and leases to total assets | 66.9579% | 2,472 |
| Net loans and leases to deposits | 83.3992% | 1,937 |
| Net loans and leases to core deposits | 86.2459% | 2,428 |
| Total domestic deposits to total assets | 80.2860% | 5,580 |
| Equity capital to assets | 15.7949% | 646 |
| Core capital (leverage) ratio | 15.7815% | 507 |
| Tier 1 risk-based capital ratio | 31.8196% | 452 |
| Total risk-based capital ratio | 33.0720% | 442 |
| Memoranda: | ||
| Average total assets | $44,227,000 | 6,443 |
| Average earning assets | $35,760,000 | 6,590 |
| Average equity | $7,013,000 | 5,827 |
| Average total loans | $31,639,500 | 5,940 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 912 |
| Cost of funding earning assets | 1.6348% | 131 |
| Net interest margin | 3.7423% | 3,629 |
| Noninterest income to average assets | 0.1090% | 6,635 |
| Noninterest expense to average assets | 2.5607% | 4,919 |
| Loan and lease loss provision to assets | 0.0726% | 4,721 |
| Net operating income to assets | 0.2951% | 5,637 |
| Return on assets (ROA) | 0.2951% | 5,841 |
| Pretax return on assets | 0.4586% | 5,551 |
| Return on Equity (ROE) | 1.8586% | 6,087 |
| Retained earnings to average equity (ytd only) | 1.8586% | 5,270 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8194% | 1,773 |
| Assets per employee ($millions) | 4.4395% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 5,951 |
| Loan loss allowance to noncurrent loans | 2,043.7500% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 6,745 |
| Noncurrent loans to loans | 0.0515% | 6,549 |
| Net loans and leases to total assets | 69.3119% | 2,050 |
| Net loans and leases to deposits | 86.4524% | 1,537 |
| Net loans and leases to core deposits | 89.3778% | 2,047 |
| Total domestic deposits to total assets | 80.1734% | 5,699 |
| Equity capital to assets | 15.8261% | 613 |
| Core capital (leverage) ratio | 15.8126% | 485 |
| Tier 1 risk-based capital ratio | 31.2250% | 471 |
| Total risk-based capital ratio | 32.4615% | 465 |
| Memoranda: | ||
| Average total assets | $44,051,000 | 6,486 |
| Average earning assets | $35,112,330 | 6,654 |
| Average equity | $6,994,330 | 5,852 |
| Average total loans | $32,088,000 | 5,964 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2316% | 1,251 |
| Cost of funding earning assets | 1.5716% | 210 |
| Net interest margin | 3.6599% | 4,008 |
| Noninterest income to average assets | 0.0547% | 6,909 |
| Noninterest expense to average assets | 2.6892% | 4,463 |
| Loan and lease loss provision to assets | 0.0912% | 4,215 |
| Net operating income to assets | 0.2461% | 5,837 |
| Return on assets (ROA) | 0.2461% | 5,983 |
| Pretax return on assets | 0.3738% | 5,801 |
| Return on Equity (ROE) | 1.5476% | 6,211 |
| Retained earnings to average equity (ytd only) | 1.5476% | 5,468 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2601% | 1,554 |
| Assets per employee ($millions) | 4.4177% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,261 |
| Loan loss allowance to noncurrent loans | 110.6897% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 5,248 |
| Noncurrent loans to loans | 0.9010% | 4,867 |
| Net loans and leases to total assets | 72.1326% | 1,380 |
| Net loans and leases to deposits | 93.0503% | 723 |
| Net loans and leases to core deposits | 96.2719% | 1,280 |
| Total domestic deposits to total assets | 77.5200% | 6,333 |
| Equity capital to assets | 15.8204% | 602 |
| Core capital (leverage) ratio | 15.8069% | 489 |
| Tier 1 risk-based capital ratio | 30.5816% | 500 |
| Total risk-based capital ratio | 31.8341% | 493 |
| Memoranda: | ||
| Average total assets | $43,879,000 | 6,538 |
| Average earning assets | $37,159,000 | 6,636 |
| Average equity | $6,978,500 | 5,881 |
| Average total loans | $32,583,000 | 5,974 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 3,265 |
| Cost of funding earning assets | 1.3941% | 1,067 |
| Net interest margin | 3.5260% | 5,041 |
| Noninterest income to average assets | 0.2671% | 5,607 |
| Noninterest expense to average assets | 2.6808% | 4,818 |
| Loan and lease loss provision to assets | 0.1717% | 4,484 |
| Net operating income to assets | 0.5438% | 4,259 |
| Return on assets (ROA) | 0.5438% | 4,447 |
| Pretax return on assets | 0.8229% | 3,902 |
| Return on Equity (ROE) | 3.3280% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.3280% | 3,856 |
| Net charge-offs to loans | 0.0146% | 6,235 |
| Credit loss provision to net charge-offs | 1,440.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 83.4000% | 352 |
| Efficiency ratio | 72.9396% | 3,402 |
| Assets per employee ($millions) | 4.3581% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 6,421 |
| Loan loss allowance to noncurrent loans | 92.2849% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 4,867 |
| Noncurrent loans to loans | 1.0219% | 4,665 |
| Net loans and leases to total assets | 74.9593% | 1,092 |
| Net loans and leases to deposits | 97.1337% | 618 |
| Net loans and leases to core deposits | 100.4953% | 1,135 |
| Total domestic deposits to total assets | 77.1712% | 6,316 |
| Equity capital to assets | 15.9886% | 577 |
| Core capital (leverage) ratio | 15.9677% | 465 |
| Tier 1 risk-based capital ratio | 31.5408% | 447 |
| Total risk-based capital ratio | 32.7922% | 437 |
| Memoranda: | ||
| Average total assets | $41,927,200 | 6,603 |
| Average earning assets | $40,527,800 | 6,510 |
| Average equity | $6,851,000 | 5,909 |
| Average total loans | $34,316,200 | 5,941 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 2,925 |
| Cost of funding earning assets | 1.3927% | 1,266 |
| Net interest margin | 3.6397% | 4,618 |
| Noninterest income to average assets | 0.2473% | 5,848 |
| Noninterest expense to average assets | 2.7300% | 4,612 |
| Loan and lease loss provision to assets | 0.1734% | 4,302 |
| Net operating income to assets | 0.5621% | 4,260 |
| Return on assets (ROA) | 0.5621% | 4,430 |
| Pretax return on assets | 0.8608% | 3,912 |
| Return on Equity (ROE) | 3.4204% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.4204% | 4,302 |
| Net charge-offs to loans | 0.0192% | 5,886 |
| Credit loss provision to net charge-offs | 1,080.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 64.3658% | 514 |
| Efficiency ratio | 72.5256% | 3,452 |
| Assets per employee ($millions) | 4.2030% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 6,679 |
| Loan loss allowance to noncurrent loans | 77.7188% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 4,743 |
| Noncurrent loans to loans | 1.1197% | 4,674 |
| Net loans and leases to total assets | 79.4123% | 570 |
| Net loans and leases to deposits | 104.0171% | 319 |
| Net loans and leases to core deposits | 107.7199% | 779 |
| Total domestic deposits to total assets | 76.3455% | 6,479 |
| Equity capital to assets | 16.4359% | 559 |
| Core capital (leverage) ratio | 16.4251% | 452 |
| Tier 1 risk-based capital ratio | 31.2591% | 484 |
| Total risk-based capital ratio | 32.5091% | 473 |
| Memoranda: | ||
| Average total assets | $41,513,750 | 6,669 |
| Average earning assets | $40,111,750 | 6,581 |
| Average equity | $6,821,750 | 5,959 |
| Average total loans | $34,650,500 | 5,985 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0620% | 2,870 |
| Cost of funding earning assets | 1.3969% | 1,437 |
| Net interest margin | 3.6650% | 4,439 |
| Noninterest income to average assets | 0.2661% | 5,750 |
| Noninterest expense to average assets | 2.7527% | 4,619 |
| Loan and lease loss provision to assets | 0.1742% | 4,184 |
| Net operating income to assets | 0.5805% | 4,153 |
| Return on assets (ROA) | 0.5805% | 4,282 |
| Pretax return on assets | 0.8805% | 3,710 |
| Return on Equity (ROE) | 3.5330% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.5330% | 3,996 |
| Net charge-offs to loans | 0.0286% | 5,429 |
| Credit loss provision to net charge-offs | 720.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 43.6000% | 699 |
| Efficiency ratio | 72.2999% | 3,673 |
| Assets per employee ($millions) | 4.1567% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 6,875 |
| Loan loss allowance to noncurrent loans | 71.9895% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0297% | 4,820 |
| Noncurrent loans to loans | 1.1063% | 4,820 |
| Net loans and leases to total assets | 82.4043% | 348 |
| Net loans and leases to deposits | 108.2004% | 214 |
| Net loans and leases to core deposits | 112.0148% | 650 |
| Total domestic deposits to total assets | 76.1590% | 6,575 |
| Equity capital to assets | 16.4866% | 544 |
| Core capital (leverage) ratio | 16.4758% | 456 |
| Tier 1 risk-based capital ratio | 30.7564% | 498 |
| Total risk-based capital ratio | 31.9917% | 489 |
| Memoranda: | ||
| Average total assets | $41,341,670 | 6,738 |
| Average earning assets | $39,945,000 | 6,641 |
| Average equity | $6,793,000 | 5,986 |
| Average total loans | $34,977,330 | 6,027 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 2,407 |
| Cost of funding earning assets | 1.4142% | 1,540 |
| Net interest margin | 3.7412% | 3,888 |
| Noninterest income to average assets | 0.2620% | 5,790 |
| Noninterest expense to average assets | 2.8330% | 4,322 |
| Loan and lease loss provision to assets | 0.1746% | 3,873 |
| Net operating income to assets | 0.5724% | 4,166 |
| Return on assets (ROA) | 0.5724% | 4,243 |
| Pretax return on assets | 0.8732% | 3,604 |
| Return on Equity (ROE) | 3.4896% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.4896% | 4,090 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0000% | 3,684 |
| Assets per employee ($millions) | 4.1249% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7462% | 7,011 |
| Loan loss allowance to noncurrent loans | 63.5922% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.1225% | 4,681 |
| Noncurrent loans to loans | 1.1735% | 4,740 |
| Net loans and leases to total assets | 84.4820% | 207 |
| Net loans and leases to deposits | 111.1437% | 167 |
| Net loans and leases to core deposits | 115.0137% | 563 |
| Total domestic deposits to total assets | 76.0115% | 6,669 |
| Equity capital to assets | 16.4683% | 504 |
| Core capital (leverage) ratio | 16.4573% | 441 |
| Tier 1 risk-based capital ratio | 30.2761% | 508 |
| Total risk-based capital ratio | 31.4449% | 507 |
| Memoranda: | ||
| Average total assets | $41,229,000 | 6,790 |
| Average earning assets | $39,880,000 | 6,693 |
| Average equity | $6,763,000 | 6,002 |
| Average total loans | $35,202,000 | 6,069 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5245% | 2,187 |
| Cost of funding earning assets | 1.6812% | 1,682 |
| Net interest margin | 3.8434% | 3,764 |
| Noninterest income to average assets | 0.2833% | 5,751 |
| Noninterest expense to average assets | 2.7912% | 4,638 |
| Loan and lease loss provision to assets | 0.0952% | 6,193 |
| Net operating income to assets | 0.7277% | 3,113 |
| Return on assets (ROA) | 0.7277% | 3,239 |
| Pretax return on assets | 1.1038% | 2,567 |
| Return on Equity (ROE) | 4.5272% | 4,284 |
| Retained earnings to average equity (ytd only) | 4.5272% | 2,702 |
| Net charge-offs to loans | 0.0382% | 6,424 |
| Credit loss provision to net charge-offs | 278.5714% | 973 |
| Earnings coverage of net charge-offs (x) | 35.0714% | 647 |
| Efficiency ratio | 69.9510% | 4,191 |
| Assets per employee ($millions) | 4.1209% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6913% | 7,146 |
| Loan loss allowance to noncurrent loans | 56.0920% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 4,653 |
| Noncurrent loans to loans | 1.2325% | 4,665 |
| Net loans and leases to total assets | 85.0542% | 234 |
| Net loans and leases to deposits | 111.8950% | 203 |
| Net loans and leases to core deposits | 115.7033% | 656 |
| Total domestic deposits to total assets | 76.0125% | 6,633 |
| Equity capital to assets | 16.3387% | 536 |
| Core capital (leverage) ratio | 16.3277% | 471 |
| Tier 1 risk-based capital ratio | 30.0836% | 505 |
| Total risk-based capital ratio | 31.1748% | 501 |
| Memoranda: | ||
| Average total assets | $40,949,600 | 6,826 |
| Average earning assets | $39,496,600 | 6,733 |
| Average equity | $6,582,400 | 6,174 |
| Average total loans | $36,686,000 | 6,084 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5855% | 2,120 |
| Cost of funding earning assets | 1.7389% | 1,680 |
| Net interest margin | 3.8466% | 3,768 |
| Noninterest income to average assets | 0.2707% | 5,953 |
| Noninterest expense to average assets | 2.7687% | 4,603 |
| Loan and lease loss provision to assets | 0.0913% | 6,125 |
| Net operating income to assets | 0.7370% | 3,250 |
| Return on assets (ROA) | 0.7370% | 3,410 |
| Pretax return on assets | 1.1186% | 2,769 |
| Return on Equity (ROE) | 4.6041% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.6041% | 3,259 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5902% | 4,156 |
| Assets per employee ($millions) | 4.1411% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 7,216 |
| Loan loss allowance to noncurrent loans | 50.2033% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1881% | 4,762 |
| Noncurrent loans to loans | 1.3666% | 4,574 |
| Net loans and leases to total assets | 86.3394% | 177 |
| Net loans and leases to deposits | 114.6035% | 182 |
| Net loans and leases to core deposits | 118.4182% | 671 |
| Total domestic deposits to total assets | 75.3375% | 6,764 |
| Equity capital to assets | 16.0875% | 655 |
| Core capital (leverage) ratio | 16.0745% | 549 |
| Tier 1 risk-based capital ratio | 29.4131% | 545 |
| Total risk-based capital ratio | 30.5047% | 543 |
| Memoranda: | ||
| Average total assets | $40,884,750 | 6,912 |
| Average earning assets | $39,410,500 | 6,818 |
| Average equity | $6,544,750 | 6,265 |
| Average total loans | $37,034,000 | 6,143 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6056% | 2,122 |
| Cost of funding earning assets | 1.8209% | 1,562 |
| Net interest margin | 3.7847% | 3,958 |
| Noninterest income to average assets | 0.2506% | 6,120 |
| Noninterest expense to average assets | 2.6824% | 4,983 |
| Loan and lease loss provision to assets | 0.0737% | 6,208 |
| Net operating income to assets | 0.7517% | 3,194 |
| Return on assets (ROA) | 0.7517% | 3,343 |
| Pretax return on assets | 1.1398% | 2,630 |
| Return on Equity (ROE) | 4.7036% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.7036% | 3,080 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8525% | 4,414 |
| Assets per employee ($millions) | 3.7232% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 7,369 |
| Loan loss allowance to noncurrent loans | 34.1108% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 3,925 |
| Noncurrent loans to loans | 1.8457% | 3,942 |
| Net loans and leases to total assets | 90.1819% | 71 |
| Net loans and leases to deposits | 119.8533% | 119 |
| Net loans and leases to core deposits | 123.7984% | 574 |
| Total domestic deposits to total assets | 75.2436% | 6,818 |
| Equity capital to assets | 16.0859% | 657 |
| Core capital (leverage) ratio | 16.0732% | 557 |
| Tier 1 risk-based capital ratio | 28.6754% | 586 |
| Total risk-based capital ratio | 29.6950% | 584 |
| Memoranda: | ||
| Average total assets | $40,709,330 | 6,972 |
| Average earning assets | $39,210,670 | 6,879 |
| Average equity | $6,505,670 | 6,295 |
| Average total loans | $37,378,330 | 6,174 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6110% | 2,102 |
| Cost of funding earning assets | 1.9249% | 1,346 |
| Net interest margin | 3.6861% | 4,322 |
| Noninterest income to average assets | 0.2267% | 6,340 |
| Noninterest expense to average assets | 2.7595% | 4,654 |
| Loan and lease loss provision to assets | 0.0493% | 6,171 |
| Net operating income to assets | 0.6406% | 3,708 |
| Return on assets (ROA) | 0.6406% | 3,828 |
| Pretax return on assets | 0.9658% | 3,213 |
| Return on Equity (ROE) | 4.0220% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.0220% | 3,738 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1070% | 3,741 |
| Assets per employee ($millions) | 3.6571% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6653% | 7,406 |
| Loan loss allowance to noncurrent loans | 35.6223% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.1552% | 3,324 |
| Noncurrent loans to loans | 1.8677% | 3,971 |
| Net loans and leases to total assets | 92.4132% | 31 |
| Net loans and leases to deposits | 126.5825% | 93 |
| Net loans and leases to core deposits | 129.7456% | 502 |
| Total domestic deposits to total assets | 73.0064% | 7,157 |
| Equity capital to assets | 16.1405% | 650 |
| Core capital (leverage) ratio | 16.1405% | 560 |
| Tier 1 risk-based capital ratio | 28.0342% | 639 |
| Total risk-based capital ratio | 29.1093% | 635 |
| Memoranda: | ||
| Average total assets | $40,586,500 | 7,067 |
| Average earning assets | $39,066,000 | 6,969 |
| Average equity | $6,464,500 | 6,358 |
| Average total loans | $37,483,500 | 6,237 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7402% | 2,912 |
| Cost of funding earning assets | 2.2776% | 1,742 |
| Net interest margin | 3.4625% | 5,118 |
| Noninterest income to average assets | 0.4104% | 5,118 |
| Noninterest expense to average assets | 2.8558% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5959% | 3,344 |
| Return on assets (ROA) | 0.5959% | 3,428 |
| Pretax return on assets | 0.9000% | 2,923 |
| Return on Equity (ROE) | 3.8199% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.8199% | 2,528 |
| Net charge-offs to loans | 0.0381% | 6,737 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 862 |
| Efficiency ratio | 76.0369% | 3,522 |
| Assets per employee ($millions) | 3.7223% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 7,475 |
| Loan loss allowance to noncurrent loans | 99.1870% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 5,094 |
| Noncurrent loans to loans | 0.6553% | 5,925 |
| Net loans and leases to total assets | 91.0929% | 59 |
| Net loans and leases to deposits | 128.1498% | 101 |
| Net loans and leases to core deposits | 141.8229% | 740 |
| Total domestic deposits to total assets | 71.0832% | 7,332 |
| Equity capital to assets | 15.7186% | 736 |
| Core capital (leverage) ratio | 15.7170% | 657 |
| Tier 1 risk-based capital ratio | 27.6097% | 665 |
| Total risk-based capital ratio | 28.6566% | 660 |
| Memoranda: | ||
| Average total assets | $40,443,600 | 7,076 |
| Average earning assets | $39,075,600 | 6,973 |
| Average equity | $6,309,000 | 6,497 |
| Average total loans | $36,776,200 | 6,262 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7845% | 2,957 |
| Cost of funding earning assets | 2.3569% | 1,781 |
| Net interest margin | 3.4276% | 5,156 |
| Noninterest income to average assets | 0.4001% | 5,283 |
| Noninterest expense to average assets | 2.8440% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5754% | 3,706 |
| Return on assets (ROA) | 0.5754% | 3,773 |
| Pretax return on assets | 0.8697% | 3,320 |
| Return on Equity (ROE) | 3.6957% | 4,500 |
| Retained earnings to average equity (ytd only) | 3.6957% | 3,222 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5806% | 3,406 |
| Assets per employee ($millions) | 3.6515% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6976% | 7,376 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 7,407 |
| Noncurrent loans to loans | 0.0649% | 7,341 |
| Net loans and leases to total assets | 91.4306% | 69 |
| Net loans and leases to deposits | 129.4968% | 112 |
| Net loans and leases to core deposits | 141.0129% | 872 |
| Total domestic deposits to total assets | 70.6045% | 7,365 |
| Equity capital to assets | 15.8542% | 814 |
| Core capital (leverage) ratio | 15.8508% | 700 |
| Tier 1 risk-based capital ratio | 28.2770% | 671 |
| Total risk-based capital ratio | 29.4230% | 662 |
| Memoranda: | ||
| Average total assets | $40,318,250 | 7,132 |
| Average earning assets | $38,976,500 | 7,035 |
| Average equity | $6,277,250 | 6,565 |
| Average total loans | $36,584,750 | 6,310 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7732% | 3,176 |
| Cost of funding earning assets | 2.4559% | 1,762 |
| Net interest margin | 3.3173% | 5,485 |
| Noninterest income to average assets | 0.3765% | 5,494 |
| Noninterest expense to average assets | 2.7298% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5648% | 3,828 |
| Return on assets (ROA) | 0.5648% | 3,940 |
| Pretax return on assets | 0.8521% | 3,501 |
| Return on Equity (ROE) | 3.6498% | 4,642 |
| Retained earnings to average equity (ytd only) | 3.6498% | 3,267 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2102% | 3,650 |
| Assets per employee ($millions) | 3.7575% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 7,411 |
| Loan loss allowance to noncurrent loans | 1,290.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 7,482 |
| Noncurrent loans to loans | 0.0547% | 7,394 |
| Net loans and leases to total assets | 87.8523% | 246 |
| Net loans and leases to deposits | 125.9347% | 149 |
| Net loans and leases to core deposits | 136.7375% | 1,175 |
| Total domestic deposits to total assets | 69.7602% | 7,496 |
| Equity capital to assets | 15.2590% | 973 |
| Core capital (leverage) ratio | 15.2556% | 867 |
| Tier 1 risk-based capital ratio | 31.8998% | 503 |
| Total risk-based capital ratio | 32.5323% | 515 |
| Memoranda: | ||
| Average total assets | $40,369,000 | 7,190 |
| Average earning assets | $39,007,670 | 7,093 |
| Average equity | $6,247,000 | 6,622 |
| Average total loans | $36,452,330 | 6,376 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8772% | 2,907 |
| Cost of funding earning assets | 2.5544% | 1,723 |
| Net interest margin | 3.3228% | 5,426 |
| Noninterest income to average assets | 0.3710% | 5,454 |
| Noninterest expense to average assets | 2.6976% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5816% | 4,098 |
| Return on assets (ROA) | 0.5816% | 4,293 |
| Pretax return on assets | 0.8825% | 3,781 |
| Return on Equity (ROE) | 3.7317% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.7317% | 3,825 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3501% | 3,594 |
| Assets per employee ($millions) | 3.6381% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7147% | 7,397 |
| Loan loss allowance to noncurrent loans | 1,228.5714% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 7,442 |
| Noncurrent loans to loans | 0.0582% | 7,369 |
| Net loans and leases to total assets | 89.5650% | 158 |
| Net loans and leases to deposits | 130.0875% | 146 |
| Net loans and leases to core deposits | 141.6719% | 1,029 |
| Total domestic deposits to total assets | 68.8498% | 7,532 |
| Equity capital to assets | 15.6126% | 947 |
| Core capital (leverage) ratio | 15.6084% | 842 |
| Tier 1 risk-based capital ratio | 31.8332% | 540 |
| Total risk-based capital ratio | 32.4856% | 556 |
| Memoranda: | ||
| Average total assets | $39,887,000 | 7,253 |
| Average earning assets | $38,522,000 | 7,144 |
| Average equity | $6,217,000 | 6,683 |
| Average total loans | $36,393,500 | 6,425 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1189% | 4,946 |
| Cost of funding earning assets | 2.9687% | 1,991 |
| Net interest margin | 3.1503% | 6,522 |
| Noninterest income to average assets | 0.3251% | 6,126 |
| Noninterest expense to average assets | 2.6668% | 5,391 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4673% | 4,878 |
| Return on assets (ROA) | 0.4673% | 4,697 |
| Pretax return on assets | 0.6985% | 4,403 |
| Return on Equity (ROE) | 3.0167% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.0167% | 3,294 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2453% | 2,718 |
| Assets per employee ($millions) | 3.6141% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 7,414 |
| Loan loss allowance to noncurrent loans | 168.6275% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 6,087 |
| Noncurrent loans to loans | 0.4171% | 6,092 |
| Net loans and leases to total assets | 91.6312% | 96 |
| Net loans and leases to deposits | 137.1846% | 128 |
| Net loans and leases to core deposits | 149.7985% | 865 |
| Total domestic deposits to total assets | 66.7941% | 7,593 |
| Equity capital to assets | 15.5603% | 1,036 |
| Core capital (leverage) ratio | 15.5624% | 915 |
| Tier 1 risk-based capital ratio | 31.5873% | 570 |
| Total risk-based capital ratio | 32.2561% | 580 |
| Memoranda: | ||
| Average total assets | $39,372,400 | 7,244 |
| Average earning assets | $37,996,800 | 7,138 |
| Average equity | $6,099,400 | 6,770 |
| Average total loans | $35,937,600 | 6,370 |