Home > The Fairmount State Bank > Performance and Condition Ratios
The Fairmount State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4144% | 2,273 |
| Cost of funding earning assets | 1.1999% | 3,735 |
| Net interest margin | 4.2145% | 949 |
| Noninterest income to average assets | 0.3000% | 2,864 |
| Noninterest expense to average assets | 2.8387% | 1,433 |
| Loan and lease loss provision to assets | 0.5600% | 164 |
| Net operating income to assets | 0.6480% | 3,235 |
| Return on assets (ROA) | 0.6480% | 3,258 |
| Pretax return on assets | 0.9016% | 2,962 |
| Return on Equity (ROE) | 5.6000% | 3,420 |
| Retained earnings to average equity (ytd only) | 5.6038% | 2,388 |
| Net charge-offs to loans | 0.3842% | 329 |
| Credit loss provision to net charge-offs | 182.9268% | 937 |
| Earnings coverage of net charge-offs (x) | 5.0732% | 1,924 |
| Efficiency ratio | 65.9574% | 2,253 |
| Assets per employee ($millions) | 4.4253% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 630 |
| Loan loss allowance to noncurrent loans | 89.5191% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 447 |
| Noncurrent loans to loans | 1.9166% | 456 |
| Net loans and leases to total assets | 72.2900% | 1,560 |
| Net loans and leases to deposits | 82.0179% | 1,877 |
| Net loans and leases to core deposits | 86.0465% | 2,321 |
| Total domestic deposits to total assets | 88.1400% | 1,513 |
| Equity capital to assets | 11.5837% | 1,391 |
| Core capital (leverage) ratio | 12.8772% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $56,786,000 | 4,158 |
| Average earning assets | $54,004,000 | 4,123 |
| Average equity | $6,567,000 | 4,115 |
| Average total loans | $42,688,500 | 3,929 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 2,924 |
| Cost of funding earning assets | 1.1488% | 3,876 |
| Net interest margin | 3.9470% | 1,266 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 3.0259% | 1,104 |
| Loan and lease loss provision to assets | 0.6600% | 140 |
| Net operating income to assets | 0.2576% | 3,902 |
| Return on assets (ROA) | 0.2576% | 3,929 |
| Pretax return on assets | 0.3909% | 3,809 |
| Return on Equity (ROE) | 2.2600% | 3,959 |
| Retained earnings to average equity (ytd only) | 2.2591% | 3,289 |
| Net charge-offs to loans | 0.7149% | 217 |
| Credit loss provision to net charge-offs | 123.0769% | 1,633 |
| Earnings coverage of net charge-offs (x) | 1.9833% | 2,854 |
| Efficiency ratio | 74.1725% | 1,541 |
| Assets per employee ($millions) | 4.3110% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 788 |
| Loan loss allowance to noncurrent loans | 73.8527% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.6719% | 293 |
| Noncurrent loans to loans | 2.1759% | 359 |
| Net loans and leases to total assets | 75.6000% | 1,204 |
| Net loans and leases to deposits | 85.6672% | 1,623 |
| Net loans and leases to core deposits | 89.9215% | 2,114 |
| Total domestic deposits to total assets | 88.2500% | 1,418 |
| Equity capital to assets | 11.5447% | 1,341 |
| Core capital (leverage) ratio | 12.9144% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $56,280,400 | 4,171 |
| Average earning assets | $53,534,400 | 4,140 |
| Average equity | $6,418,400 | 4,114 |
| Average total loans | $41,824,400 | 3,935 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 2,925 |
| Cost of funding earning assets | 1.1092% | 3,925 |
| Net interest margin | 3.9618% | 1,207 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 3.0244% | 1,076 |
| Loan and lease loss provision to assets | 0.4000% | 249 |
| Net operating income to assets | 0.5017% | 3,459 |
| Return on assets (ROA) | 0.5017% | 3,487 |
| Pretax return on assets | 0.6650% | 3,345 |
| Return on Equity (ROE) | 4.4100% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.4128% | 2,690 |
| Net charge-offs to loans | 0.6327% | 204 |
| Credit loss provision to net charge-offs | 82.7411% | 1,824 |
| Earnings coverage of net charge-offs (x) | 2.2792% | 2,601 |
| Efficiency ratio | 74.0012% | 1,592 |
| Assets per employee ($millions) | 4.6325% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,298 |
| Loan loss allowance to noncurrent loans | 50.6885% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.0903% | 183 |
| Noncurrent loans to loans | 2.7872% | 232 |
| Net loans and leases to total assets | 73.9400% | 1,369 |
| Net loans and leases to deposits | 86.1659% | 1,621 |
| Net loans and leases to core deposits | 90.5749% | 2,097 |
| Total domestic deposits to total assets | 85.8100% | 2,002 |
| Equity capital to assets | 12.0273% | 1,277 |
| Core capital (leverage) ratio | 12.7365% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $56,339,750 | 4,195 |
| Average earning assets | $53,611,000 | 4,161 |
| Average equity | $6,405,500 | 4,136 |
| Average total loans | $41,514,750 | 3,951 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 2,888 |
| Cost of funding earning assets | 1.1828% | 3,805 |
| Net interest margin | 3.8523% | 1,341 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 2.8839% | 1,294 |
| Loan and lease loss provision to assets | 0.3600% | 263 |
| Net operating income to assets | 0.5584% | 3,287 |
| Return on assets (ROA) | 0.5584% | 3,320 |
| Pretax return on assets | 0.7387% | 3,140 |
| Return on Equity (ROE) | 5.0100% | 3,510 |
| Retained earnings to average equity (ytd only) | 5.0063% | 2,328 |
| Net charge-offs to loans | 0.2702% | 407 |
| Credit loss provision to net charge-offs | 175.0000% | 1,106 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,206 |
| Efficiency ratio | 72.3404% | 1,819 |
| Assets per employee ($millions) | 4.2128% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 780 |
| Loan loss allowance to noncurrent loans | 65.7115% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.8479% | 212 |
| Noncurrent loans to loans | 2.4957% | 261 |
| Net loans and leases to total assets | 72.8300% | 1,552 |
| Net loans and leases to deposits | 82.7366% | 1,951 |
| Net loans and leases to core deposits | 87.8483% | 2,279 |
| Total domestic deposits to total assets | 88.0200% | 1,323 |
| Equity capital to assets | 11.7043% | 1,271 |
| Core capital (leverage) ratio | 13.2871% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $56,589,667 | 4,210 |
| Average earning assets | $53,942,000 | 4,171 |
| Average equity | $6,312,000 | 4,149 |
| Average total loans | $41,456,000 | 3,968 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 2,877 |
| Cost of funding earning assets | 1.2098% | 3,712 |
| Net interest margin | 3.7460% | 1,450 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 2.8799% | 1,287 |
| Loan and lease loss provision to assets | 0.4200% | 198 |
| Net operating income to assets | 0.4382% | 3,525 |
| Return on assets (ROA) | 0.4382% | 3,547 |
| Pretax return on assets | 0.5774% | 3,431 |
| Return on Equity (ROE) | 4.0200% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.0236% | 2,708 |
| Net charge-offs to loans | 0.0668% | 921 |
| Credit loss provision to net charge-offs | 742.8571% | 411 |
| Earnings coverage of net charge-offs (x) | 20.5714% | 1,349 |
| Efficiency ratio | 74.1935% | 1,724 |
| Assets per employee ($millions) | 4.2765% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 771 |
| Loan loss allowance to noncurrent loans | 68.8660% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.7448% | 219 |
| Noncurrent loans to loans | 2.3932% | 241 |
| Net loans and leases to total assets | 71.7000% | 1,598 |
| Net loans and leases to deposits | 81.1361% | 1,962 |
| Net loans and leases to core deposits | 86.0043% | 2,309 |
| Total domestic deposits to total assets | 88.3700% | 1,296 |
| Equity capital to assets | 11.3050% | 1,383 |
| Core capital (leverage) ratio | 12.6402% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $57,501,500 | 4,226 |
| Average earning assets | $54,885,500 | 4,185 |
| Average equity | $6,263,000 | 4,174 |
| Average total loans | $41,909,500 | 3,980 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 2,961 |
| Cost of funding earning assets | 0.7795% | 3,788 |
| Net interest margin | 3.7943% | 1,571 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.8282% | 1,436 |
| Loan and lease loss provision to assets | 0.4500% | 209 |
| Net operating income to assets | 0.5188% | 3,633 |
| Return on assets (ROA) | 0.5188% | 3,620 |
| Pretax return on assets | 0.6801% | 3,477 |
| Return on Equity (ROE) | 4.9700% | 3,728 |
| Retained earnings to average equity (ytd only) | 3.3050% | 3,192 |
| Net charge-offs to loans | 0.1769% | 606 |
| Credit loss provision to net charge-offs | 374.6479% | 819 |
| Earnings coverage of net charge-offs (x) | 9.1408% | 2,309 |
| Efficiency ratio | 71.5226% | 1,709 |
| Assets per employee ($millions) | 4.2428% | 4,066 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,173 |
| Loan loss allowance to noncurrent loans | 96.7841% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.0993% | 422 |
| Noncurrent loans to loans | 1.5085% | 454 |
| Net loans and leases to total assets | 71.8100% | 1,603 |
| Net loans and leases to deposits | 89.7756% | 1,287 |
| Net loans and leases to core deposits | 94.4950% | 1,740 |
| Total domestic deposits to total assets | 79.9900% | 3,467 |
| Equity capital to assets | 10.5221% | 1,713 |
| Core capital (leverage) ratio | 12.2994% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $57,634,600 | 4,240 |
| Average earning assets | $55,161,200 | 4,194 |
| Average equity | $6,021,200 | 4,161 |
| Average total loans | $40,146,200 | 3,995 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 2,970 |
| Cost of funding earning assets | 0.6354% | 3,910 |
| Net interest margin | 3.8322% | 1,534 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.7508% | 1,539 |
| Loan and lease loss provision to assets | 0.4800% | 165 |
| Net operating income to assets | 0.5572% | 3,648 |
| Return on assets (ROA) | 0.5572% | 3,633 |
| Pretax return on assets | 0.7506% | 3,448 |
| Return on Equity (ROE) | 5.3400% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.3430% | 2,829 |
| Net charge-offs to loans | 0.1423% | 578 |
| Credit loss provision to net charge-offs | 495.2381% | 638 |
| Earnings coverage of net charge-offs (x) | 12.6190% | 2,062 |
| Efficiency ratio | 69.0058% | 1,902 |
| Assets per employee ($millions) | 4.4692% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,306 |
| Loan loss allowance to noncurrent loans | 97.4152% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0654% | 469 |
| Noncurrent loans to loans | 1.4734% | 499 |
| Net loans and leases to total assets | 71.2700% | 1,656 |
| Net loans and leases to deposits | 89.0820% | 1,298 |
| Net loans and leases to core deposits | 92.8618% | 1,748 |
| Total domestic deposits to total assets | 80.0100% | 3,527 |
| Equity capital to assets | 10.2719% | 1,660 |
| Core capital (leverage) ratio | 12.5861% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $57,193,500 | 4,257 |
| Average earning assets | $54,763,250 | 4,219 |
| Average equity | $5,964,000 | 4,174 |
| Average total loans | $39,360,750 | 4,020 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 3,065 |
| Cost of funding earning assets | 0.4904% | 4,000 |
| Net interest margin | 3.8266% | 1,569 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.7451% | 1,537 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.7548% | 3,207 |
| Return on assets (ROA) | 0.7548% | 3,227 |
| Pretax return on assets | 1.0254% | 2,841 |
| Return on Equity (ROE) | 7.0900% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.0887% | 2,253 |
| Net charge-offs to loans | 0.0624% | 928 |
| Credit loss provision to net charge-offs | 516.6667% | 640 |
| Earnings coverage of net charge-offs (x) | 29.1667% | 1,567 |
| Efficiency ratio | 68.7779% | 1,888 |
| Assets per employee ($millions) | 3.9235% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,255 |
| Loan loss allowance to noncurrent loans | 95.3033% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 523 |
| Noncurrent loans to loans | 1.2958% | 548 |
| Net loans and leases to total assets | 70.9100% | 1,645 |
| Net loans and leases to deposits | 79.8917% | 1,992 |
| Net loans and leases to core deposits | 83.0979% | 2,264 |
| Total domestic deposits to total assets | 88.7500% | 1,331 |
| Equity capital to assets | 10.9997% | 1,388 |
| Core capital (leverage) ratio | 12.5393% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $56,173,667 | 4,291 |
| Average earning assets | $53,833,667 | 4,248 |
| Average equity | $5,981,333 | 4,196 |
| Average total loans | $38,477,333 | 4,046 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 3,236 |
| Cost of funding earning assets | 0.3596% | 4,049 |
| Net interest margin | 3.7503% | 1,792 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.5917% | 1,974 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 0.8170% | 3,143 |
| Return on assets (ROA) | 0.8170% | 3,092 |
| Pretax return on assets | 1.0494% | 2,857 |
| Return on Equity (ROE) | 7.8000% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.7970% | 2,280 |
| Net charge-offs to loans | 0.0632% | 753 |
| Credit loss provision to net charge-offs | 616.6667% | 494 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,291 |
| Efficiency ratio | 66.4260% | 2,164 |
| Assets per employee ($millions) | 4.2198% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,277 |
| Loan loss allowance to noncurrent loans | 127.5204% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 702 |
| Noncurrent loans to loans | 0.9823% | 749 |
| Net loans and leases to total assets | 67.2600% | 1,926 |
| Net loans and leases to deposits | 75.7349% | 2,145 |
| Net loans and leases to core deposits | 77.8507% | 2,397 |
| Total domestic deposits to total assets | 88.8000% | 1,616 |
| Equity capital to assets | 10.9483% | 1,363 |
| Core capital (leverage) ratio | 12.2903% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $56,796,000 | 4,341 |
| Average earning assets | $54,503,000 | 4,297 |
| Average equity | $5,951,000 | 4,246 |
| Average total loans | $37,998,500 | 4,104 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 2,500 |
| Cost of funding earning assets | 0.2444% | 3,372 |
| Net interest margin | 3.4658% | 2,049 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.8305% | 1,257 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 0.4100% | 4,231 |
| Return on assets (ROA) | 0.4046% | 4,201 |
| Pretax return on assets | 0.5224% | 4,145 |
| Return on Equity (ROE) | 4.0700% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.6935% | 3,806 |
| Net charge-offs to loans | 0.4190% | 182 |
| Credit loss provision to net charge-offs | 117.7632% | 1,472 |
| Earnings coverage of net charge-offs (x) | 3.2171% | 2,473 |
| Efficiency ratio | 77.2240% | 905 |
| Assets per employee ($millions) | 4.8945% | 3,751 |
| Cash dividends to net income (ytd only)* | 33.7553% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 4,114 |
| Loan loss allowance to noncurrent loans | 94.2308% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 902 |
| Noncurrent loans to loans | 0.8076% | 917 |
| Net loans and leases to total assets | 65.2800% | 2,111 |
| Net loans and leases to deposits | 77.0886% | 2,030 |
| Net loans and leases to core deposits | 79.1920% | 2,185 |
| Total domestic deposits to total assets | 84.6800% | 3,062 |
| Equity capital to assets | 10.0385% | 1,688 |
| Core capital (leverage) ratio | 12.4139% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $58,575,400 | 4,345 |
| Average earning assets | $56,062,800 | 4,309 |
| Average equity | $5,828,800 | 4,347 |
| Average total loans | $36,274,800 | 4,132 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 2,199 |
| Cost of funding earning assets | 0.2192% | 3,043 |
| Net interest margin | 3.4308% | 1,863 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.7720% | 1,303 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 0.4259% | 4,196 |
| Return on assets (ROA) | 0.4259% | 4,140 |
| Pretax return on assets | 0.5512% | 4,064 |
| Return on Equity (ROE) | 4.2900% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.2899% | 3,350 |
| Net charge-offs to loans | 0.4035% | 155 |
| Credit loss provision to net charge-offs | 124.0741% | 1,205 |
| Earnings coverage of net charge-offs (x) | 3.4815% | 2,210 |
| Efficiency ratio | 76.3967% | 1,044 |
| Assets per employee ($millions) | 4.3792% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 4,134 |
| Loan loss allowance to noncurrent loans | 93.9103% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 980 |
| Noncurrent loans to loans | 0.8271% | 956 |
| Net loans and leases to total assets | 65.7400% | 1,914 |
| Net loans and leases to deposits | 74.5543% | 1,998 |
| Net loans and leases to core deposits | 76.5644% | 2,158 |
| Total domestic deposits to total assets | 88.1800% | 2,376 |
| Equity capital to assets | 9.7207% | 1,759 |
| Core capital (leverage) ratio | 11.6199% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $58,535,750 | 4,384 |
| Average earning assets | $55,961,500 | 4,350 |
| Average equity | $5,812,000 | 4,385 |
| Average total loans | $35,685,000 | 4,160 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 2,158 |
| Cost of funding earning assets | 0.2125% | 2,742 |
| Net interest margin | 3.2838% | 1,954 |
| Noninterest income to average assets | 0.3589% | 2,996 |
| Noninterest expense to average assets | 2.7729% | 1,221 |
| Loan and lease loss provision to assets | 0.2776% | 242 |
| Net operating income to assets | 0.3318% | 4,231 |
| Return on assets (ROA) | 0.3318% | 4,185 |
| Pretax return on assets | 0.4469% | 4,089 |
| Return on Equity (ROE) | 3.3194% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.3194% | 3,341 |
| Net charge-offs to loans | 0.6970% | 86 |
| Credit loss provision to net charge-offs | 67.2131% | 1,441 |
| Earnings coverage of net charge-offs (x) | 1.7541% | 2,055 |
| Efficiency ratio | 79.2836% | 1,002 |
| Assets per employee ($millions) | 4.3912% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 4,416 |
| Loan loss allowance to noncurrent loans | 60.3723% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 909 |
| Noncurrent loans to loans | 1.0661% | 772 |
| Net loans and leases to total assets | 56.9986% | 2,639 |
| Net loans and leases to deposits | 63.1699% | 2,790 |
| Net loans and leases to core deposits | 64.7038% | 2,915 |
| Total domestic deposits to total assets | 90.2305% | 1,623 |
| Equity capital to assets | 9.1774% | 2,252 |
| Core capital (leverage) ratio | 11.7581% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,071,000 | 4,424 |
| Average earning assets | $56,459,333 | 4,393 |
| Average equity | $5,904,667 | 4,423 |
| Average total loans | $35,006,667 | 4,233 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4341% | 1,990 |
| Cost of funding earning assets | 0.2092% | 2,677 |
| Net interest margin | 3.2249% | 1,804 |
| Noninterest income to average assets | 0.3387% | 3,064 |
| Noninterest expense to average assets | 2.8271% | 1,108 |
| Loan and lease loss provision to assets | 0.2419% | 275 |
| Net operating income to assets | 0.2488% | 4,242 |
| Return on assets (ROA) | 0.2488% | 4,219 |
| Pretax return on assets | 0.3594% | 4,099 |
| Return on Equity (ROE) | 2.3857% | 4,197 |
| Retained earnings to average equity (ytd only) | 2.3857% | 3,439 |
| Net charge-offs to loans | 0.9519% | 72 |
| Credit loss provision to net charge-offs | 42.1687% | 1,221 |
| Earnings coverage of net charge-offs (x) | 1.0482% | 1,753 |
| Efficiency ratio | 82.4597% | 952 |
| Assets per employee ($millions) | 4.4799% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6408% | 4,471 |
| Loan loss allowance to noncurrent loans | 56.4433% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 873 |
| Noncurrent loans to loans | 1.1353% | 785 |
| Net loans and leases to total assets | 58.3080% | 2,264 |
| Net loans and leases to deposits | 65.2136% | 2,410 |
| Net loans and leases to core deposits | 66.8978% | 2,549 |
| Total domestic deposits to total assets | 89.4109% | 1,862 |
| Equity capital to assets | 9.9967% | 1,889 |
| Core capital (leverage) ratio | 11.5588% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,868,000 | 4,465 |
| Average earning assets | $55,443,500 | 4,433 |
| Average equity | $6,036,000 | 4,463 |
| Average total loans | $34,876,000 | 4,251 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 2,530 |
| Cost of funding earning assets | 0.2592% | 2,820 |
| Net interest margin | 3.2846% | 2,352 |
| Noninterest income to average assets | 0.3521% | 3,329 |
| Noninterest expense to average assets | 2.8826% | 1,188 |
| Loan and lease loss provision to assets | 0.3209% | 241 |
| Net operating income to assets | 0.2182% | 4,518 |
| Return on assets (ROA) | 0.2182% | 4,537 |
| Pretax return on assets | 0.2861% | 4,504 |
| Return on Equity (ROE) | 1.9506% | 4,503 |
| Retained earnings to average equity (ytd only) | 1.5408% | 4,108 |
| Net charge-offs to loans | 0.6168% | 127 |
| Credit loss provision to net charge-offs | 87.0647% | 1,903 |
| Earnings coverage of net charge-offs (x) | 1.6468% | 2,605 |
| Efficiency ratio | 82.6064% | 641 |
| Assets per employee ($millions) | 4.4228% | 4,175 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 4,349 |
| Loan loss allowance to noncurrent loans | 54.6012% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 690 |
| Noncurrent loans to loans | 1.3746% | 680 |
| Net loans and leases to total assets | 61.4084% | 2,016 |
| Net loans and leases to deposits | 69.3197% | 2,191 |
| Net loans and leases to core deposits | 71.1468% | 2,341 |
| Total domestic deposits to total assets | 88.5872% | 1,740 |
| Equity capital to assets | 10.8701% | 1,884 |
| Core capital (leverage) ratio | 11.9856% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0636% | 885 |
| Memoranda: | ||
| Average total assets | $54,533,400 | 4,513 |
| Average earning assets | $52,090,800 | 4,486 |
| Average equity | $6,100,600 | 4,521 |
| Average total loans | $32,587,400 | 4,325 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 2,768 |
| Cost of funding earning assets | 0.2703% | 2,893 |
| Net interest margin | 3.2490% | 2,584 |
| Noninterest income to average assets | 0.3396% | 3,412 |
| Noninterest expense to average assets | 2.8182% | 1,300 |
| Loan and lease loss provision to assets | 0.3588% | 195 |
| Net operating income to assets | 0.1760% | 4,646 |
| Return on assets (ROA) | 0.1760% | 4,665 |
| Pretax return on assets | 0.2603% | 4,623 |
| Return on Equity (ROE) | 1.5613% | 4,644 |
| Retained earnings to average equity (ytd only) | 1.5613% | 4,303 |
| Net charge-offs to loans | 0.7579% | 101 |
| Credit loss provision to net charge-offs | 80.1105% | 1,713 |
| Earnings coverage of net charge-offs (x) | 1.3812% | 2,378 |
| Efficiency ratio | 81.9755% | 633 |
| Assets per employee ($millions) | 4.2221% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7758% | 4,387 |
| Loan loss allowance to noncurrent loans | 59.0805% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 899 |
| Noncurrent loans to loans | 1.3130% | 819 |
| Net loans and leases to total assets | 59.8903% | 2,274 |
| Net loans and leases to deposits | 68.3367% | 2,413 |
| Net loans and leases to core deposits | 70.2423% | 2,574 |
| Total domestic deposits to total assets | 87.6401% | 2,039 |
| Equity capital to assets | 11.0682% | 1,964 |
| Core capital (leverage) ratio | 12.3503% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1453% | 788 |
| Memoranda: | ||
| Average total assets | $53,792,500 | 4,587 |
| Average earning assets | $51,296,250 | 4,556 |
| Average equity | $6,063,250 | 4,587 |
| Average total loans | $31,840,500 | 4,405 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 2,971 |
| Cost of funding earning assets | 0.2785% | 2,997 |
| Net interest margin | 3.1932% | 2,775 |
| Noninterest income to average assets | 0.3257% | 3,475 |
| Noninterest expense to average assets | 2.7738% | 1,412 |
| Loan and lease loss provision to assets | 0.4305% | 134 |
| Net operating income to assets | 0.1160% | 4,695 |
| Return on assets (ROA) | 0.1160% | 4,714 |
| Pretax return on assets | 0.1685% | 4,691 |
| Return on Equity (ROE) | 1.0232% | 4,698 |
| Retained earnings to average equity (ytd only) | 1.0232% | 4,333 |
| Net charge-offs to loans | 0.5157% | 154 |
| Credit loss provision to net charge-offs | 141.9753% | 1,185 |
| Earnings coverage of net charge-offs (x) | 1.9753% | 2,152 |
| Efficiency ratio | 82.2420% | 655 |
| Assets per employee ($millions) | 4.1825% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,685 |
| Loan loss allowance to noncurrent loans | 72.9911% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 965 |
| Noncurrent loans to loans | 1.4220% | 819 |
| Net loans and leases to total assets | 57.3420% | 2,745 |
| Net loans and leases to deposits | 65.5179% | 2,864 |
| Net loans and leases to core deposits | 67.3609% | 3,006 |
| Total domestic deposits to total assets | 87.5212% | 2,085 |
| Equity capital to assets | 11.1528% | 1,870 |
| Core capital (leverage) ratio | 10.8758% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8994% | 977 |
| Memoranda: | ||
| Average total assets | $53,427,667 | 4,618 |
| Average earning assets | $50,983,000 | 4,588 |
| Average equity | $6,059,333 | 4,614 |
| Average total loans | $31,411,000 | 4,444 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4698% | 3,013 |
| Cost of funding earning assets | 0.2845% | 3,150 |
| Net interest margin | 3.1853% | 2,743 |
| Noninterest income to average assets | 0.3097% | 3,553 |
| Noninterest expense to average assets | 2.6211% | 1,824 |
| Loan and lease loss provision to assets | 0.4910% | 133 |
| Net operating income to assets | 0.1511% | 4,670 |
| Return on assets (ROA) | 0.1511% | 4,689 |
| Pretax return on assets | 0.2417% | 4,650 |
| Return on Equity (ROE) | 1.3208% | 4,677 |
| Retained earnings to average equity (ytd only) | 1.3208% | 4,155 |
| Net charge-offs to loans | 0.6122% | 131 |
| Credit loss provision to net charge-offs | 135.4167% | 1,012 |
| Earnings coverage of net charge-offs (x) | 2.0208% | 1,825 |
| Efficiency ratio | 78.1532% | 943 |
| Assets per employee ($millions) | 3.9216% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,748 |
| Loan loss allowance to noncurrent loans | 59.7303% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 891 |
| Noncurrent loans to loans | 1.7170% | 704 |
| Net loans and leases to total assets | 54.4916% | 3,194 |
| Net loans and leases to deposits | 62.1355% | 3,308 |
| Net loans and leases to core deposits | 63.8584% | 3,427 |
| Total domestic deposits to total assets | 87.6981% | 1,998 |
| Equity capital to assets | 11.0342% | 1,832 |
| Core capital (leverage) ratio | 12.5893% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2796% | 565 |
| Memoranda: | ||
| Average total assets | $52,955,500 | 4,642 |
| Average earning assets | $50,608,000 | 4,609 |
| Average equity | $6,057,000 | 4,635 |
| Average total loans | $31,364,000 | 4,465 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 1,741 |
| Cost of funding earning assets | 0.3251% | 4,003 |
| Net interest margin | 4.0163% | 939 |
| Noninterest income to average assets | 0.3474% | 3,382 |
| Noninterest expense to average assets | 3.1581% | 1,129 |
| Loan and lease loss provision to assets | 0.5979% | 337 |
| Net operating income to assets | 0.2948% | 4,438 |
| Return on assets (ROA) | 0.2948% | 4,504 |
| Pretax return on assets | 0.4148% | 4,399 |
| Return on Equity (ROE) | 2.2663% | 4,526 |
| Retained earnings to average equity (ytd only) | 1.4569% | 4,050 |
| Net charge-offs to loans | 0.7376% | 197 |
| Credit loss provision to net charge-offs | 125.1101% | 2,595 |
| Earnings coverage of net charge-offs (x) | 2.1189% | 3,199 |
| Efficiency ratio | 75.7193% | 1,267 |
| Assets per employee ($millions) | 3.6435% | 4,585 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 4,181 |
| Loan loss allowance to noncurrent loans | 50.9565% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 803 |
| Noncurrent loans to loans | 1.7692% | 712 |
| Net loans and leases to total assets | 63.1418% | 2,474 |
| Net loans and leases to deposits | 72.7388% | 2,613 |
| Net loans and leases to core deposits | 74.9319% | 2,824 |
| Total domestic deposits to total assets | 86.8062% | 2,031 |
| Equity capital to assets | 11.8724% | 1,638 |
| Core capital (leverage) ratio | 13.1988% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4998% | 716 |
| Memoranda: | ||
| Average total assets | $47,497,000 | 4,684 |
| Average earning assets | $45,216,200 | 4,660 |
| Average equity | $6,177,600 | 4,624 |
| Average total loans | $30,777,000 | 4,501 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 1,801 |
| Cost of funding earning assets | 0.3337% | 4,132 |
| Net interest margin | 4.0861% | 919 |
| Noninterest income to average assets | 0.3432% | 3,420 |
| Noninterest expense to average assets | 3.0745% | 1,279 |
| Loan and lease loss provision to assets | 0.5684% | 465 |
| Net operating income to assets | 0.4605% | 4,146 |
| Return on assets (ROA) | 0.4605% | 4,214 |
| Pretax return on assets | 0.5863% | 4,123 |
| Return on Equity (ROE) | 3.4578% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.4578% | 3,330 |
| Net charge-offs to loans | 0.8612% | 155 |
| Credit loss provision to net charge-offs | 101.5306% | 2,613 |
| Earnings coverage of net charge-offs (x) | 2.0612% | 3,020 |
| Efficiency ratio | 72.6842% | 1,557 |
| Assets per employee ($millions) | 3.4043% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 4,466 |
| Loan loss allowance to noncurrent loans | 48.2828% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 1,050 |
| Noncurrent loans to loans | 1.5672% | 905 |
| Net loans and leases to total assets | 65.7700% | 2,547 |
| Net loans and leases to deposits | 76.8869% | 2,668 |
| Net loans and leases to core deposits | 79.4052% | 2,896 |
| Total domestic deposits to total assets | 85.5413% | 2,240 |
| Equity capital to assets | 13.2186% | 1,101 |
| Core capital (leverage) ratio | 14.2261% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5613% | 832 |
| Memoranda: | ||
| Average total assets | $46,619,000 | 4,716 |
| Average earning assets | $44,344,000 | 4,691 |
| Average equity | $6,208,000 | 4,640 |
| Average total loans | $30,346,000 | 4,535 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 2,202 |
| Cost of funding earning assets | 0.3359% | 4,331 |
| Net interest margin | 4.0673% | 1,183 |
| Noninterest income to average assets | 0.3371% | 3,454 |
| Noninterest expense to average assets | 3.1769% | 1,200 |
| Loan and lease loss provision to assets | 0.5749% | 567 |
| Net operating income to assets | 0.2809% | 4,452 |
| Return on assets (ROA) | 0.2809% | 4,491 |
| Pretax return on assets | 0.4582% | 4,319 |
| Return on Equity (ROE) | 2.1045% | 4,513 |
| Retained earnings to average equity (ytd only) | 2.1045% | 3,710 |
| Net charge-offs to loans | 0.9956% | 147 |
| Credit loss provision to net charge-offs | 89.2617% | 2,467 |
| Earnings coverage of net charge-offs (x) | 1.6040% | 2,840 |
| Efficiency ratio | 75.4620% | 1,313 |
| Assets per employee ($millions) | 3.6837% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7443% | 4,478 |
| Loan loss allowance to noncurrent loans | 44.5344% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 1,120 |
| Noncurrent loans to loans | 1.6712% | 869 |
| Net loans and leases to total assets | 61.2659% | 3,191 |
| Net loans and leases to deposits | 71.4192% | 3,311 |
| Net loans and leases to core deposits | 73.7365% | 3,479 |
| Total domestic deposits to total assets | 85.7835% | 2,099 |
| Equity capital to assets | 13.0179% | 1,154 |
| Core capital (leverage) ratio | 14.3037% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4392% | 545 |
| Memoranda: | ||
| Average total assets | $46,272,000 | 4,744 |
| Average earning assets | $44,058,667 | 4,717 |
| Average equity | $6,177,333 | 4,665 |
| Average total loans | $29,933,000 | 4,564 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 2,146 |
| Cost of funding earning assets | 0.3325% | 4,568 |
| Net interest margin | 4.2205% | 883 |
| Noninterest income to average assets | 0.3431% | 3,465 |
| Noninterest expense to average assets | 3.4049% | 1,059 |
| Loan and lease loss provision to assets | 0.5103% | 575 |
| Net operating income to assets | 0.2024% | 4,527 |
| Return on assets (ROA) | 0.2024% | 4,538 |
| Pretax return on assets | 0.4487% | 4,209 |
| Return on Equity (ROE) | 1.4962% | 4,549 |
| Retained earnings to average equity (ytd only) | 1.4962% | 3,606 |
| Net charge-offs to loans | 0.6507% | 228 |
| Credit loss provision to net charge-offs | 118.3673% | 1,712 |
| Earnings coverage of net charge-offs (x) | 2.2245% | 2,306 |
| Efficiency ratio | 78.0242% | 1,331 |
| Assets per employee ($millions) | 3.2471% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,327 |
| Loan loss allowance to noncurrent loans | 45.3704% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 1,031 |
| Noncurrent loans to loans | 1.8359% | 813 |
| Net loans and leases to total assets | 64.1641% | 3,049 |
| Net loans and leases to deposits | 75.4833% | 3,119 |
| Net loans and leases to core deposits | 78.0838% | 3,350 |
| Total domestic deposits to total assets | 85.0044% | 2,406 |
| Equity capital to assets | 13.6780% | 1,153 |
| Core capital (leverage) ratio | 14.6721% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8766% | 571 |
| Memoranda: | ||
| Average total assets | $45,464,000 | 4,777 |
| Average earning assets | $43,312,500 | 4,752 |
| Average equity | $6,149,000 | 4,701 |
| Average total loans | $30,120,000 | 4,590 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 2,500 |
| Cost of funding earning assets | 0.3243% | 4,671 |
| Net interest margin | 4.3156% | 1,062 |
| Noninterest income to average assets | 0.3913% | 3,352 |
| Noninterest expense to average assets | 3.3459% | 1,215 |
| Loan and lease loss provision to assets | 0.5509% | 223 |
| Net operating income to assets | 0.4227% | 4,553 |
| Return on assets (ROA) | 0.4227% | 4,583 |
| Pretax return on assets | 0.5644% | 4,470 |
| Return on Equity (ROE) | 3.0335% | 4,659 |
| Retained earnings to average equity (ytd only) | 1.4200% | 4,232 |
| Net charge-offs to loans | 0.8291% | 197 |
| Credit loss provision to net charge-offs | 105.6034% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.1379% | 3,452 |
| Efficiency ratio | 75.0000% | 1,488 |
| Assets per employee ($millions) | 3.4975% | 4,482 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 4,406 |
| Loan loss allowance to noncurrent loans | 49.3724% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0667% | 1,160 |
| Noncurrent loans to loans | 1.5506% | 920 |
| Net loans and leases to total assets | 67.2781% | 2,791 |
| Net loans and leases to deposits | 78.7692% | 2,935 |
| Net loans and leases to core deposits | 81.4625% | 3,185 |
| Total domestic deposits to total assets | 85.4117% | 2,342 |
| Equity capital to assets | 13.3720% | 1,337 |
| Core capital (leverage) ratio | 14.9810% | 695 |
| Tier 1 risk-based capital ratio | 20.6152% | 1,235 |
| Total risk-based capital ratio | 21.3463% | 1,285 |
| Memoranda: | ||
| Average total assets | $44,472,200 | 4,840 |
| Average earning assets | $41,941,000 | 4,815 |
| Average equity | $6,197,400 | 4,734 |
| Average total loans | $27,982,800 | 4,680 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 2,685 |
| Cost of funding earning assets | 0.3205% | 4,749 |
| Net interest margin | 4.2920% | 1,178 |
| Noninterest income to average assets | 0.3769% | 3,459 |
| Noninterest expense to average assets | 3.1807% | 1,502 |
| Loan and lease loss provision to assets | 0.6181% | 180 |
| Net operating income to assets | 0.5125% | 4,483 |
| Return on assets (ROA) | 0.5125% | 4,540 |
| Pretax return on assets | 0.6150% | 4,514 |
| Return on Equity (ROE) | 3.6401% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.6401% | 3,584 |
| Net charge-offs to loans | 0.9044% | 163 |
| Credit loss provision to net charge-offs | 110.8108% | 2,082 |
| Earnings coverage of net charge-offs (x) | 2.2108% | 3,213 |
| Efficiency ratio | 72.0628% | 1,830 |
| Assets per employee ($millions) | 3.3378% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 4,316 |
| Loan loss allowance to noncurrent loans | 44.7514% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.2675% | 968 |
| Noncurrent loans to loans | 1.8514% | 761 |
| Net loans and leases to total assets | 67.0323% | 2,923 |
| Net loans and leases to deposits | 79.2361% | 2,982 |
| Net loans and leases to core deposits | 82.1012% | 3,239 |
| Total domestic deposits to total assets | 84.5982% | 2,584 |
| Equity capital to assets | 14.4961% | 980 |
| Core capital (leverage) ratio | 15.1433% | 710 |
| Tier 1 risk-based capital ratio | 21.1239% | 1,179 |
| Total risk-based capital ratio | 21.8855% | 1,224 |
| Memoranda: | ||
| Average total assets | $44,223,250 | 4,910 |
| Average earning assets | $41,595,750 | 4,891 |
| Average equity | $6,226,750 | 4,796 |
| Average total loans | $27,272,000 | 4,767 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 2,983 |
| Cost of funding earning assets | 0.3112% | 4,800 |
| Net interest margin | 4.1987% | 1,366 |
| Noninterest income to average assets | 0.3685% | 3,476 |
| Noninterest expense to average assets | 3.1325% | 1,655 |
| Loan and lease loss provision to assets | 0.7101% | 145 |
| Net operating income to assets | 0.3326% | 4,829 |
| Return on assets (ROA) | 0.3326% | 4,844 |
| Pretax return on assets | 0.4674% | 4,742 |
| Return on Equity (ROE) | 2.3849% | 4,890 |
| Retained earnings to average equity (ytd only) | 2.3849% | 3,988 |
| Net charge-offs to loans | 1.2412% | 102 |
| Credit loss provision to net charge-offs | 95.7576% | 2,069 |
| Earnings coverage of net charge-offs (x) | 1.5879% | 3,007 |
| Efficiency ratio | 72.6799% | 1,815 |
| Assets per employee ($millions) | 3.4765% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 4,503 |
| Loan loss allowance to noncurrent loans | 43.2000% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 1,205 |
| Noncurrent loans to loans | 1.8107% | 830 |
| Net loans and leases to total assets | 60.6209% | 3,684 |
| Net loans and leases to deposits | 71.0964% | 3,759 |
| Net loans and leases to core deposits | 72.9925% | 3,945 |
| Total domestic deposits to total assets | 85.2657% | 2,357 |
| Equity capital to assets | 13.8912% | 1,164 |
| Core capital (leverage) ratio | 15.3000% | 650 |
| Tier 1 risk-based capital ratio | 23.3034% | 914 |
| Total risk-based capital ratio | 24.0418% | 942 |
| Memoranda: | ||
| Average total assets | $44,500,670 | 4,948 |
| Average earning assets | $41,775,330 | 4,930 |
| Average equity | $6,205,670 | 4,826 |
| Average total loans | $26,586,330 | 4,817 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 2,916 |
| Cost of funding earning assets | 0.2992% | 4,852 |
| Net interest margin | 4.1882% | 1,323 |
| Noninterest income to average assets | 0.3533% | 3,493 |
| Noninterest expense to average assets | 3.1526% | 1,611 |
| Loan and lease loss provision to assets | 0.3352% | 365 |
| Net operating income to assets | 0.6251% | 4,162 |
| Return on assets (ROA) | 0.6251% | 4,206 |
| Pretax return on assets | 0.7972% | 4,052 |
| Return on Equity (ROE) | 4.4736% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.4736% | 3,133 |
| Net charge-offs to loans | 0.7364% | 203 |
| Credit loss provision to net charge-offs | 77.0833% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2.6042% | 2,477 |
| Efficiency ratio | 73.5729% | 1,801 |
| Assets per employee ($millions) | 3.3752% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 4,443 |
| Loan loss allowance to noncurrent loans | 37.4558% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3082% | 994 |
| Noncurrent loans to loans | 2.2024% | 645 |
| Net loans and leases to total assets | 58.0874% | 3,877 |
| Net loans and leases to deposits | 68.3224% | 3,901 |
| Net loans and leases to core deposits | 70.7402% | 4,031 |
| Total domestic deposits to total assets | 85.0195% | 2,674 |
| Equity capital to assets | 14.1395% | 990 |
| Core capital (leverage) ratio | 14.9773% | 698 |
| Tier 1 risk-based capital ratio | 24.2615% | 820 |
| Total risk-based capital ratio | 25.0366% | 837 |
| Memoranda: | ||
| Average total assets | $44,154,000 | 5,003 |
| Average earning assets | $41,449,500 | 4,984 |
| Average equity | $6,169,500 | 4,869 |
| Average total loans | $26,073,000 | 4,880 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 3,724 |
| Cost of funding earning assets | 0.2579% | 4,768 |
| Net interest margin | 3.8490% | 2,507 |
| Noninterest income to average assets | 0.4350% | 3,202 |
| Noninterest expense to average assets | 3.0271% | 1,989 |
| Loan and lease loss provision to assets | 0.3565% | 421 |
| Net operating income to assets | 0.4955% | 4,669 |
| Return on assets (ROA) | 0.4955% | 4,674 |
| Pretax return on assets | 0.5987% | 4,631 |
| Return on Equity (ROE) | 3.6490% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.6490% | 3,572 |
| Net charge-offs to loans | 0.6433% | 264 |
| Credit loss provision to net charge-offs | 103.2468% | 2,454 |
| Earnings coverage of net charge-offs (x) | 2.7662% | 3,491 |
| Efficiency ratio | 76.0135% | 1,360 |
| Assets per employee ($millions) | 3.1736% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 4,379 |
| Loan loss allowance to noncurrent loans | 32.5073% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 736 |
| Noncurrent loans to loans | 2.5939% | 458 |
| Net loans and leases to total assets | 59.0219% | 3,869 |
| Net loans and leases to deposits | 69.0778% | 3,896 |
| Net loans and leases to core deposits | 70.7915% | 4,077 |
| Total domestic deposits to total assets | 85.4426% | 2,457 |
| Equity capital to assets | 13.8079% | 1,028 |
| Core capital (leverage) ratio | 15.0386% | 687 |
| Tier 1 risk-based capital ratio | 17.9203% | 1,777 |
| Total risk-based capital ratio | 18.5317% | 1,919 |
| Memoranda: | ||
| Average total assets | $44,597,600 | 5,035 |
| Average earning assets | $41,101,800 | 5,032 |
| Average equity | $6,056,400 | 4,885 |
| Average total loans | $23,940,800 | 4,971 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 3,849 |
| Cost of funding earning assets | 0.2540% | 4,764 |
| Net interest margin | 3.7745% | 2,736 |
| Noninterest income to average assets | 0.4421% | 3,221 |
| Noninterest expense to average assets | 2.9151% | 2,262 |
| Loan and lease loss provision to assets | 0.3764% | 347 |
| Net operating income to assets | 0.4779% | 4,804 |
| Return on assets (ROA) | 0.4779% | 4,807 |
| Pretax return on assets | 0.6123% | 4,709 |
| Return on Equity (ROE) | 3.5339% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.5339% | 4,003 |
| Net charge-offs to loans | 0.6462% | 222 |
| Credit loss provision to net charge-offs | 111.5044% | 2,093 |
| Earnings coverage of net charge-offs (x) | 2.9292% | 3,205 |
| Efficiency ratio | 74.6748% | 1,500 |
| Assets per employee ($millions) | 3.0432% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 4,188 |
| Loan loss allowance to noncurrent loans | 45.3831% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1947% | 1,175 |
| Noncurrent loans to loans | 2.0253% | 717 |
| Net loans and leases to total assets | 58.4462% | 3,989 |
| Net loans and leases to deposits | 69.2483% | 3,974 |
| Net loans and leases to core deposits | 70.7274% | 4,142 |
| Total domestic deposits to total assets | 84.4009% | 2,813 |
| Equity capital to assets | 14.2260% | 893 |
| Core capital (leverage) ratio | 15.4509% | 605 |
| Tier 1 risk-based capital ratio | 19.0857% | 1,517 |
| Total risk-based capital ratio | 19.7507% | 1,627 |
| Memoranda: | ||
| Average total assets | $44,639,250 | 5,100 |
| Average earning assets | $40,939,750 | 5,095 |
| Average equity | $6,036,750 | 4,940 |
| Average total loans | $23,314,250 | 5,052 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 4,046 |
| Cost of funding earning assets | 0.2617% | 4,693 |
| Net interest margin | 3.6493% | 3,122 |
| Noninterest income to average assets | 0.4187% | 3,365 |
| Noninterest expense to average assets | 2.9394% | 2,231 |
| Loan and lease loss provision to assets | 0.2865% | 488 |
| Net operating income to assets | 0.7977% | 3,864 |
| Return on assets (ROA) | 0.7977% | 3,864 |
| Pretax return on assets | 0.5112% | 4,884 |
| Return on Equity (ROE) | 5.9500% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.9500% | 2,586 |
| Net charge-offs to loans | 0.6606% | 222 |
| Credit loss provision to net charge-offs | 86.6667% | 2,198 |
| Earnings coverage of net charge-offs (x) | 2.4133% | 2,974 |
| Efficiency ratio | 78.6557% | 1,148 |
| Assets per employee ($millions) | 3.3000% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,533 |
| Loan loss allowance to noncurrent loans | 35.0168% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 1,007 |
| Noncurrent loans to loans | 2.4444% | 539 |
| Net loans and leases to total assets | 56.1585% | 4,152 |
| Net loans and leases to deposits | 66.5525% | 4,136 |
| Net loans and leases to core deposits | 67.9643% | 4,256 |
| Total domestic deposits to total assets | 84.3823% | 2,922 |
| Equity capital to assets | 14.2704% | 866 |
| Core capital (leverage) ratio | 14.3122% | 825 |
| Tier 1 risk-based capital ratio | 25.0219% | 730 |
| Total risk-based capital ratio | 25.8157% | 758 |
| Memoranda: | ||
| Average total assets | $45,383,000 | 5,143 |
| Average earning assets | $41,268,000 | 5,147 |
| Average equity | $6,084,000 | 4,991 |
| Average total loans | $22,708,330 | 5,132 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 4,406 |
| Cost of funding earning assets | 0.2493% | 4,713 |
| Net interest margin | 3.4808% | 3,601 |
| Noninterest income to average assets | 0.3946% | 3,509 |
| Noninterest expense to average assets | 2.7368% | 2,918 |
| Loan and lease loss provision to assets | 0.2402% | 636 |
| Net operating income to assets | 1.2011% | 1,998 |
| Return on assets (ROA) | 1.2011% | 2,013 |
| Pretax return on assets | 0.5319% | 4,824 |
| Return on Equity (ROE) | 9.2333% | 2,795 |
| Retained earnings to average equity (ytd only) | 9.2333% | 1,385 |
| Net charge-offs to loans | 1.0405% | 136 |
| Credit loss provision to net charge-offs | 49.1228% | 1,961 |
| Earnings coverage of net charge-offs (x) | 1.5789% | 2,544 |
| Efficiency ratio | 77.9951% | 1,356 |
| Assets per employee ($millions) | 3.5918% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,489 |
| Loan loss allowance to noncurrent loans | 40.2985% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 1,562 |
| Noncurrent loans to loans | 2.2071% | 679 |
| Net loans and leases to total assets | 45.1053% | 4,845 |
| Net loans and leases to deposits | 52.6025% | 4,859 |
| Net loans and leases to core deposits | 53.6094% | 4,927 |
| Total domestic deposits to total assets | 85.7473% | 2,654 |
| Equity capital to assets | 13.0919% | 1,193 |
| Core capital (leverage) ratio | 14.1194% | 849 |
| Tier 1 risk-based capital ratio | 27.7416% | 574 |
| Total risk-based capital ratio | 28.5465% | 591 |
| Memoranda: | ||
| Average total assets | $46,624,500 | 5,172 |
| Average earning assets | $41,715,000 | 5,194 |
| Average equity | $6,065,000 | 5,048 |
| Average total loans | $21,912,500 | 5,211 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7961% | 4,061 |
| Cost of funding earning assets | 0.2443% | 4,611 |
| Net interest margin | 3.5518% | 3,335 |
| Noninterest income to average assets | 0.4088% | 3,571 |
| Noninterest expense to average assets | 2.8978% | 2,463 |
| Loan and lease loss provision to assets | 0.1752% | 1,243 |
| Net operating income to assets | 0.3459% | 4,837 |
| Return on assets (ROA) | 0.3459% | 4,862 |
| Pretax return on assets | 0.4717% | 4,972 |
| Return on Equity (ROE) | 2.5679% | 4,931 |
| Retained earnings to average equity (ytd only) | 0.9004% | 4,667 |
| Net charge-offs to loans | 0.5298% | 440 |
| Credit loss provision to net charge-offs | 69.0265% | 3,097 |
| Earnings coverage of net charge-offs (x) | 2.5487% | 3,732 |
| Efficiency ratio | 81.7490% | 946 |
| Assets per employee ($millions) | 3.5812% | 4,600 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 4,130 |
| Loan loss allowance to noncurrent loans | 38.8592% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 1,227 |
| Noncurrent loans to loans | 2.4850% | 540 |
| Net loans and leases to total assets | 48.0217% | 4,766 |
| Net loans and leases to deposits | 55.9149% | 4,805 |
| Net loans and leases to core deposits | 56.9866% | 4,895 |
| Total domestic deposits to total assets | 85.8837% | 2,494 |
| Equity capital to assets | 12.9242% | 1,303 |
| Core capital (leverage) ratio | 14.0953% | 817 |
| Tier 1 risk-based capital ratio | 25.3822% | 696 |
| Total risk-based capital ratio | 26.2502% | 708 |
| Memoranda: | ||
| Average total assets | $44,517,200 | 5,261 |
| Average earning assets | $39,303,800 | 5,287 |
| Average equity | $5,997,200 | 5,101 |
| Average total loans | $21,327,600 | 5,276 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,129 |
| Cost of funding earning assets | 0.2438% | 4,621 |
| Net interest margin | 3.5203% | 3,428 |
| Noninterest income to average assets | 0.3727% | 3,862 |
| Noninterest expense to average assets | 2.9176% | 2,347 |
| Loan and lease loss provision to assets | 0.1606% | 1,281 |
| Net operating income to assets | 0.3818% | 5,033 |
| Return on assets (ROA) | 0.3818% | 5,060 |
| Pretax return on assets | 0.3999% | 5,192 |
| Return on Equity (ROE) | 2.8036% | 5,159 |
| Retained earnings to average equity (ytd only) | 2.8036% | 4,235 |
| Net charge-offs to loans | 0.4060% | 518 |
| Credit loss provision to net charge-offs | 82.8125% | 2,544 |
| Earnings coverage of net charge-offs (x) | 2.8907% | 3,412 |
| Efficiency ratio | 83.8850% | 760 |
| Assets per employee ($millions) | 3.4523% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 3,337 |
| Loan loss allowance to noncurrent loans | 30.1370% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.7892% | 778 |
| Noncurrent loans to loans | 3.7359% | 281 |
| Net loans and leases to total assets | 47.3529% | 4,867 |
| Net loans and leases to deposits | 55.9131% | 4,880 |
| Net loans and leases to core deposits | 57.0416% | 4,947 |
| Total domestic deposits to total assets | 84.6903% | 2,842 |
| Equity capital to assets | 13.4113% | 1,196 |
| Core capital (leverage) ratio | 14.4054% | 792 |
| Tier 1 risk-based capital ratio | 26.6119% | 640 |
| Total risk-based capital ratio | 27.6108% | 644 |
| Memoranda: | ||
| Average total assets | $44,007,500 | 5,332 |
| Average earning assets | $38,821,500 | 5,350 |
| Average equity | $5,992,250 | 5,162 |
| Average total loans | $21,015,750 | 5,340 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 3,948 |
| Cost of funding earning assets | 0.2377% | 4,658 |
| Net interest margin | 3.5454% | 3,234 |
| Noninterest income to average assets | 0.3660% | 3,936 |
| Noninterest expense to average assets | 2.8639% | 2,527 |
| Loan and lease loss provision to assets | 0.0595% | 2,781 |
| Net operating income to assets | 0.5627% | 4,456 |
| Return on assets (ROA) | 0.5627% | 4,509 |
| Pretax return on assets | 0.5810% | 4,843 |
| Return on Equity (ROE) | 4.1114% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.1114% | 3,261 |
| Net charge-offs to loans | 0.4315% | 468 |
| Credit loss provision to net charge-offs | 28.8889% | 2,731 |
| Earnings coverage of net charge-offs (x) | 3.1111% | 3,083 |
| Efficiency ratio | 81.7232% | 1,034 |
| Assets per employee ($millions) | 3.7408% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,791 |
| Loan loss allowance to noncurrent loans | 26.1848% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.8802% | 708 |
| Noncurrent loans to loans | 4.0507% | 233 |
| Net loans and leases to total assets | 45.9244% | 4,955 |
| Net loans and leases to deposits | 54.2044% | 4,953 |
| Net loans and leases to core deposits | 55.2977% | 5,032 |
| Total domestic deposits to total assets | 84.7245% | 2,926 |
| Equity capital to assets | 13.4599% | 1,161 |
| Core capital (leverage) ratio | 14.7707% | 686 |
| Tier 1 risk-based capital ratio | 27.3914% | 585 |
| Total risk-based capital ratio | 28.3309% | 593 |
| Memoranda: | ||
| Average total assets | $43,716,670 | 5,376 |
| Average earning assets | $38,697,670 | 5,398 |
| Average equity | $5,983,330 | 5,195 |
| Average total loans | $20,856,330 | 5,384 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 3,593 |
| Cost of funding earning assets | 0.2410% | 4,624 |
| Net interest margin | 3.6052% | 2,872 |
| Noninterest income to average assets | 0.3617% | 3,946 |
| Noninterest expense to average assets | 2.9770% | 2,219 |
| Loan and lease loss provision to assets | 0.0742% | 2,322 |
| Net operating income to assets | 0.5008% | 4,592 |
| Return on assets (ROA) | 0.5008% | 4,620 |
| Pretax return on assets | 0.5008% | 4,970 |
| Return on Equity (ROE) | 3.6278% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.6278% | 3,624 |
| Net charge-offs to loans | 0.3834% | 479 |
| Credit loss provision to net charge-offs | 40.0000% | 2,060 |
| Earnings coverage of net charge-offs (x) | 3.1000% | 2,510 |
| Efficiency ratio | 83.8120% | 988 |
| Assets per employee ($millions) | 3.6762% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 3,236 |
| Loan loss allowance to noncurrent loans | 34.1360% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.6004% | 977 |
| Noncurrent loans to loans | 3.4655% | 354 |
| Net loans and leases to total assets | 45.6340% | 4,960 |
| Net loans and leases to deposits | 53.8983% | 4,942 |
| Net loans and leases to core deposits | 55.0057% | 5,024 |
| Total domestic deposits to total assets | 84.6670% | 3,232 |
| Equity capital to assets | 13.5558% | 1,054 |
| Core capital (leverage) ratio | 14.4817% | 718 |
| Tier 1 risk-based capital ratio | 27.6705% | 582 |
| Total risk-based capital ratio | 28.7165% | 579 |
| Memoranda: | ||
| Average total assets | $43,130,500 | 5,443 |
| Average earning assets | $38,167,000 | 5,461 |
| Average equity | $5,954,000 | 5,246 |
| Average total loans | $20,866,500 | 5,438 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 3,990 |
| Cost of funding earning assets | 0.2415% | 4,641 |
| Net interest margin | 3.5303% | 3,317 |
| Noninterest income to average assets | 0.4140% | 3,784 |
| Noninterest expense to average assets | 2.9814% | 2,400 |
| Loan and lease loss provision to assets | 0.1349% | 1,854 |
| Net operating income to assets | 0.3302% | 5,144 |
| Return on assets (ROA) | 0.3302% | 5,217 |
| Pretax return on assets | 0.4256% | 5,168 |
| Return on Equity (ROE) | 2.3463% | 5,320 |
| Retained earnings to average equity (ytd only) | 2.3463% | 4,192 |
| Net charge-offs to loans | 0.1431% | 1,829 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 8.3103% | 2,885 |
| Efficiency ratio | 84.1760% | 993 |
| Assets per employee ($millions) | 3.2421% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 3,208 |
| Loan loss allowance to noncurrent loans | 38.5084% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.5588% | 1,044 |
| Noncurrent loans to loans | 3.0757% | 435 |
| Net loans and leases to total assets | 50.0819% | 4,759 |
| Net loans and leases to deposits | 59.5061% | 4,710 |
| Net loans and leases to core deposits | 60.7949% | 4,824 |
| Total domestic deposits to total assets | 84.1626% | 3,367 |
| Equity capital to assets | 14.0651% | 870 |
| Core capital (leverage) ratio | 14.6259% | 666 |
| Tier 1 risk-based capital ratio | 26.2078% | 684 |
| Total risk-based capital ratio | 27.2569% | 680 |
| Memoranda: | ||
| Average total assets | $42,999,800 | 5,487 |
| Average earning assets | $38,098,800 | 5,507 |
| Average equity | $6,052,000 | 5,270 |
| Average total loans | $20,266,800 | 5,514 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,167 |
| Cost of funding earning assets | 0.2367% | 4,732 |
| Net interest margin | 3.4881% | 3,515 |
| Noninterest income to average assets | 0.4104% | 3,843 |
| Noninterest expense to average assets | 3.0854% | 2,069 |
| Loan and lease loss provision to assets | 0.1173% | 1,968 |
| Net operating income to assets | 0.2653% | 5,361 |
| Return on assets (ROA) | 0.2653% | 5,435 |
| Pretax return on assets | 0.2993% | 5,459 |
| Return on Equity (ROE) | 1.8849% | 5,491 |
| Retained earnings to average equity (ytd only) | 1.8849% | 4,740 |
| Net charge-offs to loans | 0.1667% | 1,375 |
| Credit loss provision to net charge-offs | 152.0000% | 1,753 |
| Earnings coverage of net charge-offs (x) | 5.4005% | 3,136 |
| Efficiency ratio | 88.1057% | 666 |
| Assets per employee ($millions) | 3.5857% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,783 |
| Loan loss allowance to noncurrent loans | 43.4862% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.2666% | 1,530 |
| Noncurrent loans to loans | 2.5492% | 677 |
| Net loans and leases to total assets | 49.1354% | 4,883 |
| Net loans and leases to deposits | 58.4421% | 4,855 |
| Net loans and leases to core deposits | 59.6827% | 4,950 |
| Total domestic deposits to total assets | 84.0755% | 3,193 |
| Equity capital to assets | 14.2279% | 956 |
| Core capital (leverage) ratio | 14.3808% | 756 |
| Tier 1 risk-based capital ratio | 26.1118% | 704 |
| Total risk-based capital ratio | 27.0996% | 711 |
| Memoranda: | ||
| Average total assets | $43,213,000 | 5,538 |
| Average earning assets | $38,300,750 | 5,556 |
| Average equity | $6,083,000 | 5,319 |
| Average total loans | $19,993,250 | 5,572 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 4,492 |
| Cost of funding earning assets | 0.2360% | 4,793 |
| Net interest margin | 3.3983% | 3,900 |
| Noninterest income to average assets | 0.4252% | 3,692 |
| Noninterest expense to average assets | 3.0179% | 2,282 |
| Loan and lease loss provision to assets | 0.1479% | 1,552 |
| Net operating income to assets | 0.2126% | 5,499 |
| Return on assets (ROA) | 0.2126% | 5,560 |
| Pretax return on assets | 0.2542% | 5,554 |
| Return on Equity (ROE) | 1.5157% | 5,606 |
| Retained earnings to average equity (ytd only) | 1.5157% | 4,774 |
| Net charge-offs to loans | 0.1126% | 1,699 |
| Credit loss provision to net charge-offs | 290.9091% | 986 |
| Earnings coverage of net charge-offs (x) | 7.9091% | 2,573 |
| Efficiency ratio | 88.2432% | 704 |
| Assets per employee ($millions) | 3.6951% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 3,239 |
| Loan loss allowance to noncurrent loans | 40.2961% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 1,431 |
| Noncurrent loans to loans | 3.0327% | 491 |
| Net loans and leases to total assets | 44.6607% | 5,194 |
| Net loans and leases to deposits | 52.7419% | 5,217 |
| Net loans and leases to core deposits | 53.8198% | 5,288 |
| Total domestic deposits to total assets | 84.6778% | 3,013 |
| Equity capital to assets | 13.7615% | 1,113 |
| Core capital (leverage) ratio | 14.5041% | 710 |
| Tier 1 risk-based capital ratio | 27.0409% | 647 |
| Total risk-based capital ratio | 28.1053% | 644 |
| Memoranda: | ||
| Average total assets | $43,274,670 | 5,598 |
| Average earning assets | $38,136,330 | 5,626 |
| Average equity | $6,070,000 | 5,375 |
| Average total loans | $19,531,330 | 5,647 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 4,421 |
| Cost of funding earning assets | 0.2320% | 4,881 |
| Net interest margin | 3.4380% | 3,726 |
| Noninterest income to average assets | 0.4024% | 3,811 |
| Noninterest expense to average assets | 2.8731% | 2,797 |
| Loan and lease loss provision to assets | 0.2152% | 898 |
| Net operating income to assets | 0.3088% | 5,276 |
| Return on assets (ROA) | 0.3088% | 5,361 |
| Pretax return on assets | 0.3650% | 5,369 |
| Return on Equity (ROE) | 2.1804% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.1804% | 4,384 |
| Net charge-offs to loans | -0.1660% | 5,798 |
| Credit loss provision to net charge-offs | -287.5000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1978% | 1,237 |
| Assets per employee ($millions) | 3.5388% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 2,619 |
| Loan loss allowance to noncurrent loans | 40.7348% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 1,387 |
| Noncurrent loans to loans | 3.3312% | 433 |
| Net loans and leases to total assets | 43.6514% | 5,264 |
| Net loans and leases to deposits | 51.9113% | 5,236 |
| Net loans and leases to core deposits | 53.4146% | 5,292 |
| Total domestic deposits to total assets | 84.0884% | 3,483 |
| Equity capital to assets | 14.3409% | 871 |
| Core capital (leverage) ratio | 14.5490% | 689 |
| Tier 1 risk-based capital ratio | 28.5609% | 573 |
| Total risk-based capital ratio | 29.7333% | 564 |
| Memoranda: | ||
| Average total assets | $42,741,500 | 5,662 |
| Average earning assets | $37,929,000 | 5,682 |
| Average equity | $6,054,000 | 5,410 |
| Average total loans | $19,273,000 | 5,705 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 4,474 |
| Cost of funding earning assets | 0.2436% | 4,848 |
| Net interest margin | 3.4207% | 3,835 |
| Noninterest income to average assets | 0.4202% | 3,894 |
| Noninterest expense to average assets | 3.3476% | 1,614 |
| Loan and lease loss provision to assets | 0.0926% | 2,454 |
| Net operating income to assets | 0.1442% | 5,690 |
| Return on assets (ROA) | 0.3205% | 5,381 |
| Pretax return on assets | 0.3253% | 5,470 |
| Return on Equity (ROE) | 2.2576% | 5,508 |
| Retained earnings to average equity (ytd only) | 1.0870% | 5,082 |
| Net charge-offs to loans | 0.5669% | 434 |
| Credit loss provision to net charge-offs | 36.1111% | 3,579 |
| Earnings coverage of net charge-offs (x) | 0.9352% | 4,159 |
| Efficiency ratio | 93.3157% | 513 |
| Assets per employee ($millions) | 3.5848% | 4,664 |
| Cash dividends to net income (ytd only)* | 51.8519% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 3,842 |
| Loan loss allowance to noncurrent loans | 35.7827% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 1.4645% | 1,401 |
| Noncurrent loans to loans | 3.1690% | 483 |
| Net loans and leases to total assets | 45.4007% | 5,199 |
| Net loans and leases to deposits | 53.6981% | 5,180 |
| Net loans and leases to core deposits | 55.3179% | 5,236 |
| Total domestic deposits to total assets | 84.5480% | 3,269 |
| Equity capital to assets | 13.9898% | 932 |
| Core capital (leverage) ratio | 14.3765% | 738 |
| Tier 1 risk-based capital ratio | 27.1891% | 650 |
| Total risk-based capital ratio | 28.1748% | 653 |
| Memoranda: | ||
| Average total assets | $42,119,800 | 5,725 |
| Average earning assets | $38,997,800 | 5,703 |
| Average equity | $5,979,800 | 5,441 |
| Average total loans | $19,049,400 | 5,757 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 4,527 |
| Cost of funding earning assets | 0.2398% | 4,995 |
| Net interest margin | 3.4289% | 3,842 |
| Noninterest income to average assets | 0.3787% | 4,222 |
| Noninterest expense to average assets | 3.2811% | 1,738 |
| Loan and lease loss provision to assets | 0.1241% | 1,833 |
| Net operating income to assets | 0.1520% | 5,768 |
| Return on assets (ROA) | 0.3787% | 5,317 |
| Pretax return on assets | 0.3978% | 5,468 |
| Return on Equity (ROE) | 2.6575% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.2110% | 4,774 |
| Net charge-offs to loans | 0.5369% | 432 |
| Credit loss provision to net charge-offs | 51.3158% | 3,021 |
| Earnings coverage of net charge-offs (x) | 1.1710% | 3,878 |
| Efficiency ratio | 92.0536% | 567 |
| Assets per employee ($millions) | 3.5268% | 4,750 |
| Cash dividends to net income (ytd only)* | 16.8095% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 3,024 |
| Loan loss allowance to noncurrent loans | 46.2094% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3185% | 1,777 |
| Noncurrent loans to loans | 2.8399% | 650 |
| Net loans and leases to total assets | 45.4904% | 5,262 |
| Net loans and leases to deposits | 54.4195% | 5,226 |
| Net loans and leases to core deposits | 56.0662% | 5,306 |
| Total domestic deposits to total assets | 83.5921% | 3,573 |
| Equity capital to assets | 14.1301% | 971 |
| Core capital (leverage) ratio | 14.4680% | 746 |
| Tier 1 risk-based capital ratio | 27.8540% | 630 |
| Total risk-based capital ratio | 29.0019% | 620 |
| Memoranda: | ||
| Average total assets | $41,895,500 | 5,800 |
| Average earning assets | $38,923,250 | 5,781 |
| Average equity | $5,970,250 | 5,506 |
| Average total loans | $18,873,250 | 5,836 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,577 |
| Cost of funding earning assets | 0.2361% | 5,088 |
| Net interest margin | 3.4138% | 3,860 |
| Noninterest income to average assets | 0.3736% | 4,269 |
| Noninterest expense to average assets | 3.3386% | 1,603 |
| Loan and lease loss provision to assets | 0.0527% | 3,068 |
| Net operating income to assets | 0.1569% | 5,795 |
| Return on assets (ROA) | 0.4982% | 4,881 |
| Pretax return on assets | 0.5269% | 5,155 |
| Return on Equity (ROE) | 3.4858% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.8155% | 4,253 |
| Net charge-offs to loans | 0.2679% | 980 |
| Credit loss provision to net charge-offs | 44.0000% | 2,767 |
| Earnings coverage of net charge-offs (x) | 1.8400% | 3,443 |
| Efficiency ratio | 93.8089% | 530 |
| Assets per employee ($millions) | 2.9841% | 5,616 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 2,310 |
| Loan loss allowance to noncurrent loans | 49.8214% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3524% | 1,851 |
| Noncurrent loans to loans | 3.0043% | 661 |
| Net loans and leases to total assets | 43.9490% | 5,381 |
| Net loans and leases to deposits | 52.6133% | 5,340 |
| Net loans and leases to core deposits | 54.2663% | 5,404 |
| Total domestic deposits to total assets | 83.5320% | 3,749 |
| Equity capital to assets | 14.2396% | 895 |
| Core capital (leverage) ratio | 14.8144% | 654 |
| Tier 1 risk-based capital ratio | 28.9986% | 590 |
| Total risk-based capital ratio | 30.2480% | 585 |
| Memoranda: | ||
| Average total assets | $41,753,670 | 5,863 |
| Average earning assets | $38,959,000 | 5,840 |
| Average equity | $5,967,000 | 5,557 |
| Average total loans | $18,661,670 | 5,902 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5650% | 4,789 |
| Cost of funding earning assets | 0.2452% | 5,075 |
| Net interest margin | 3.3199% | 4,134 |
| Noninterest income to average assets | 0.3546% | 4,360 |
| Noninterest expense to average assets | 3.2677% | 1,804 |
| Loan and lease loss provision to assets | 0.1054% | 1,946 |
| Net operating income to assets | 0.0767% | 5,921 |
| Return on assets (ROA) | 0.0767% | 5,969 |
| Pretax return on assets | 0.0958% | 5,953 |
| Return on Equity (ROE) | 0.5355% | 5,982 |
| Retained earnings to average equity (ytd only) | -0.8032% | 5,516 |
| Net charge-offs to loans | 0.1285% | 1,483 |
| Credit loss provision to net charge-offs | 183.3333% | 1,113 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,598 |
| Efficiency ratio | 94.1989% | 587 |
| Assets per employee ($millions) | 3.2110% | 5,396 |
| Cash dividends to net income (ytd only)* | 250.0000% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 1,859 |
| Loan loss allowance to noncurrent loans | 44.0177% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 1.6362% | 1,554 |
| Noncurrent loans to loans | 3.7670% | 480 |
| Net loans and leases to total assets | 42.3400% | 5,461 |
| Net loans and leases to deposits | 50.7261% | 5,411 |
| Net loans and leases to core deposits | 51.8451% | 5,500 |
| Total domestic deposits to total assets | 83.4679% | 4,016 |
| Equity capital to assets | 14.3761% | 869 |
| Core capital (leverage) ratio | 14.5497% | 679 |
| Tier 1 risk-based capital ratio | 29.6007% | 560 |
| Total risk-based capital ratio | 30.8525% | 551 |
| Memoranda: | ||
| Average total assets | $41,741,500 | 5,923 |
| Average earning assets | $39,158,000 | 5,892 |
| Average equity | $5,976,000 | 5,603 |
| Average total loans | $18,672,500 | 5,950 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 5,152 |
| Cost of funding earning assets | 0.2903% | 4,887 |
| Net interest margin | 3.2845% | 4,638 |
| Noninterest income to average assets | 0.3265% | 4,781 |
| Noninterest expense to average assets | 2.9834% | 2,890 |
| Loan and lease loss provision to assets | 0.1997% | 1,272 |
| Net operating income to assets | 0.1809% | 5,802 |
| Return on assets (ROA) | 0.1809% | 5,852 |
| Pretax return on assets | 0.1997% | 5,870 |
| Return on Equity (ROE) | 1.2708% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.2708% | 5,206 |
| Net charge-offs to loans | 0.5078% | 805 |
| Credit loss provision to net charge-offs | 94.4444% | 2,547 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,314 |
| Efficiency ratio | 88.1944% | 978 |
| Assets per employee ($millions) | 3.2108% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 2,417 |
| Loan loss allowance to noncurrent loans | 48.3498% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 1,875 |
| Noncurrent loans to loans | 3.1281% | 709 |
| Net loans and leases to total assets | 45.7115% | 5,352 |
| Net loans and leases to deposits | 54.6392% | 5,278 |
| Net loans and leases to core deposits | 55.8417% | 5,396 |
| Total domestic deposits to total assets | 83.6608% | 3,860 |
| Equity capital to assets | 14.2573% | 881 |
| Core capital (leverage) ratio | 14.4130% | 722 |
| Tier 1 risk-based capital ratio | 27.5708% | 638 |
| Total risk-based capital ratio | 28.8201% | 625 |
| Memoranda: | ||
| Average total assets | $42,568,600 | 5,965 |
| Average earning assets | $39,610,000 | 5,929 |
| Average equity | $6,059,400 | 5,606 |
| Average total loans | $17,724,800 | 6,055 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 5,399 |
| Cost of funding earning assets | 0.2994% | 4,894 |
| Net interest margin | 3.1956% | 4,980 |
| Noninterest income to average assets | 0.3242% | 4,838 |
| Noninterest expense to average assets | 2.8894% | 3,162 |
| Loan and lease loss provision to assets | 0.2649% | 800 |
| Net operating income to assets | 0.1185% | 6,000 |
| Return on assets (ROA) | 0.1185% | 6,030 |
| Pretax return on assets | 0.1309% | 6,027 |
| Return on Equity (ROE) | 0.8325% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.8325% | 5,549 |
| Net charge-offs to loans | 0.7085% | 491 |
| Credit loss provision to net charge-offs | 92.3913% | 2,391 |
| Earnings coverage of net charge-offs (x) | 1.3805% | 4,170 |
| Efficiency ratio | 87.9507% | 1,007 |
| Assets per employee ($millions) | 3.2032% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 2,417 |
| Loan loss allowance to noncurrent loans | 48.0198% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.5009% | 2,046 |
| Noncurrent loans to loans | 3.2686% | 767 |
| Net loans and leases to total assets | 43.8246% | 5,534 |
| Net loans and leases to deposits | 52.3389% | 5,516 |
| Net loans and leases to core deposits | 53.4926% | 5,593 |
| Total domestic deposits to total assets | 83.7324% | 3,864 |
| Equity capital to assets | 14.6250% | 827 |
| Core capital (leverage) ratio | 14.0660% | 829 |
| Tier 1 risk-based capital ratio | 28.3872% | 623 |
| Total risk-based capital ratio | 29.6397% | 601 |
| Memoranda: | ||
| Average total assets | $42,775,750 | 6,029 |
| Average earning assets | $39,637,000 | 6,000 |
| Average equity | $6,086,500 | 5,658 |
| Average total loans | $17,312,750 | 6,135 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4229% | 5,574 |
| Cost of funding earning assets | 0.3007% | 4,960 |
| Net interest margin | 3.1222% | 5,182 |
| Noninterest income to average assets | 0.3198% | 4,855 |
| Noninterest expense to average assets | 2.9337% | 3,052 |
| Loan and lease loss provision to assets | 0.1622% | 1,527 |
| Net operating income to assets | 0.0927% | 6,058 |
| Return on assets (ROA) | 0.0927% | 6,088 |
| Pretax return on assets | 0.1112% | 6,078 |
| Return on Equity (ROE) | 0.6573% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.6573% | 5,472 |
| Net charge-offs to loans | 0.4023% | 1,011 |
| Credit loss provision to net charge-offs | 102.9412% | 1,932 |
| Earnings coverage of net charge-offs (x) | 1.7353% | 3,727 |
| Efficiency ratio | 91.4740% | 798 |
| Assets per employee ($millions) | 3.3617% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 1,977 |
| Loan loss allowance to noncurrent loans | 50.8503% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4347% | 2,276 |
| Noncurrent loans to loans | 3.4380% | 781 |
| Net loans and leases to total assets | 38.4513% | 5,927 |
| Net loans and leases to deposits | 45.4998% | 5,908 |
| Net loans and leases to core deposits | 46.4456% | 5,976 |
| Total domestic deposits to total assets | 84.5087% | 3,716 |
| Equity capital to assets | 13.9490% | 988 |
| Core capital (leverage) ratio | 13.9231% | 860 |
| Tier 1 risk-based capital ratio | 29.7534% | 532 |
| Total risk-based capital ratio | 31.0062% | 525 |
| Memoranda: | ||
| Average total assets | $43,154,000 | 6,073 |
| Average earning assets | $39,907,330 | 6,044 |
| Average equity | $6,085,330 | 5,695 |
| Average total loans | $16,903,670 | 6,204 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4890% | 5,455 |
| Cost of funding earning assets | 0.3099% | 4,966 |
| Net interest margin | 3.1791% | 4,990 |
| Noninterest income to average assets | 0.3358% | 4,690 |
| Noninterest expense to average assets | 3.0597% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2146% | 5,758 |
| Return on assets (ROA) | 0.2146% | 5,814 |
| Pretax return on assets | 0.2425% | 5,849 |
| Return on Equity (ROE) | 1.5132% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.5132% | 5,004 |
| Net charge-offs to loans | 0.6665% | 554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.9286% | 3,230 |
| Efficiency ratio | 92.6554% | 833 |
| Assets per employee ($millions) | 3.3419% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 2,289 |
| Loan loss allowance to noncurrent loans | 50.6567% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 2,670 |
| Noncurrent loans to loans | 3.3943% | 879 |
| Net loans and leases to total assets | 35.5231% | 6,093 |
| Net loans and leases to deposits | 42.0334% | 6,075 |
| Net loans and leases to core deposits | 42.9124% | 6,126 |
| Total domestic deposits to total assets | 84.5115% | 4,082 |
| Equity capital to assets | 14.0246% | 913 |
| Core capital (leverage) ratio | 13.8603% | 865 |
| Tier 1 risk-based capital ratio | 31.6747% | 457 |
| Total risk-based capital ratio | 32.9291% | 454 |
| Memoranda: | ||
| Average total assets | $42,880,000 | 6,141 |
| Average earning assets | $40,011,500 | 6,102 |
| Average equity | $6,080,000 | 5,728 |
| Average total loans | $16,804,000 | 6,269 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5341% | 5,571 |
| Cost of funding earning assets | 0.3916% | 4,740 |
| Net interest margin | 3.1425% | 5,186 |
| Noninterest income to average assets | 0.3178% | 5,062 |
| Noninterest expense to average assets | 2.9200% | 3,312 |
| Loan and lease loss provision to assets | 0.1796% | 2,055 |
| Net operating income to assets | 0.0829% | 6,078 |
| Return on assets (ROA) | 0.0829% | 6,127 |
| Pretax return on assets | 0.1197% | 6,066 |
| Return on Equity (ROE) | 0.5900% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.5900% | 5,571 |
| Net charge-offs to loans | 0.4526% | 1,461 |
| Credit loss provision to net charge-offs | 106.8493% | 2,251 |
| Earnings coverage of net charge-offs (x) | 1.7808% | 4,448 |
| Efficiency ratio | 90.7010% | 972 |
| Assets per employee ($millions) | 3.2550% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6643% | 2,519 |
| Loan loss allowance to noncurrent loans | 58.6614% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 2,819 |
| Noncurrent loans to loans | 2.8372% | 1,237 |
| Net loans and leases to total assets | 41.6094% | 5,849 |
| Net loans and leases to deposits | 49.4121% | 5,803 |
| Net loans and leases to core deposits | 50.4773% | 5,903 |
| Total domestic deposits to total assets | 84.2089% | 4,090 |
| Equity capital to assets | 14.3377% | 818 |
| Core capital (leverage) ratio | 13.9107% | 850 |
| Tier 1 risk-based capital ratio | 28.4268% | 588 |
| Total risk-based capital ratio | 29.6797% | 574 |
| Memoranda: | ||
| Average total assets | $43,424,200 | 6,189 |
| Average earning assets | $40,095,200 | 6,168 |
| Average equity | $6,102,200 | 5,796 |
| Average total loans | $16,128,200 | 6,366 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 6,010 |
| Cost of funding earning assets | 0.4154% | 4,671 |
| Net interest margin | 2.9112% | 5,789 |
| Noninterest income to average assets | 0.3020% | 5,281 |
| Noninterest expense to average assets | 2.8160% | 3,604 |
| Loan and lease loss provision to assets | 0.2105% | 1,729 |
| Net operating income to assets | -0.0580% | 6,346 |
| Return on assets (ROA) | -0.0580% | 6,385 |
| Pretax return on assets | -0.0519% | 6,359 |
| Return on Equity (ROE) | -0.4145% | 6,379 |
| Retained earnings to average equity (ytd only) | -0.4145% | 6,024 |
| Net charge-offs to loans | 0.6376% | 962 |
| Credit loss provision to net charge-offs | 92.0000% | 2,584 |
| Earnings coverage of net charge-offs (x) | 0.6933% | 4,617 |
| Efficiency ratio | 94.6667% | 699 |
| Assets per employee ($millions) | 3.2987% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 2,559 |
| Loan loss allowance to noncurrent loans | 47.9933% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5018% | 2,683 |
| Noncurrent loans to loans | 3.5858% | 1,054 |
| Net loans and leases to total assets | 38.2203% | 6,162 |
| Net loans and leases to deposits | 45.4974% | 6,130 |
| Net loans and leases to core deposits | 46.4675% | 6,194 |
| Total domestic deposits to total assets | 84.0053% | 4,180 |
| Equity capital to assets | 13.8167% | 1,014 |
| Core capital (leverage) ratio | 13.5054% | 1,022 |
| Tier 1 risk-based capital ratio | 29.5067% | 538 |
| Total risk-based capital ratio | 30.7597% | 529 |
| Memoranda: | ||
| Average total assets | $43,701,500 | 6,253 |
| Average earning assets | $40,120,000 | 6,235 |
| Average equity | $6,111,000 | 5,864 |
| Average total loans | $15,684,000 | 6,451 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 6,242 |
| Cost of funding earning assets | 0.4317% | 4,642 |
| Net interest margin | 2.7591% | 6,083 |
| Noninterest income to average assets | 0.2183% | 5,876 |
| Noninterest expense to average assets | 2.7971% | 3,687 |
| Loan and lease loss provision to assets | 0.1819% | 2,091 |
| Net operating income to assets | -0.2410% | 6,514 |
| Return on assets (ROA) | -0.2410% | 6,545 |
| Pretax return on assets | -0.2320% | 6,515 |
| Return on Equity (ROE) | -1.7172% | 6,507 |
| Retained earnings to average equity (ytd only) | -1.7172% | 6,156 |
| Net charge-offs to loans | 0.9249% | 671 |
| Credit loss provision to net charge-offs | 56.3380% | 3,088 |
| Earnings coverage of net charge-offs (x) | -0.1549% | 4,603 |
| Efficiency ratio | 101.8212% | 431 |
| Assets per employee ($millions) | 3.3400% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 3,077 |
| Loan loss allowance to noncurrent loans | 34.3832% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 2.0336% | 2,122 |
| Noncurrent loans to loans | 4.7209% | 714 |
| Net loans and leases to total assets | 36.5707% | 6,261 |
| Net loans and leases to deposits | 43.4410% | 6,257 |
| Net loans and leases to core deposits | 43.7426% | 6,341 |
| Total domestic deposits to total assets | 84.1847% | 4,249 |
| Equity capital to assets | 13.6619% | 1,068 |
| Core capital (leverage) ratio | 13.3770% | 1,026 |
| Tier 1 risk-based capital ratio | 29.4508% | 551 |
| Total risk-based capital ratio | 30.6988% | 543 |
| Memoranda: | ||
| Average total assets | $43,974,330 | 6,287 |
| Average earning assets | $40,303,000 | 6,272 |
| Average equity | $6,173,000 | 5,886 |
| Average total loans | $15,353,000 | 6,508 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 5,430 |
| Cost of funding earning assets | 0.4424% | 4,679 |
| Net interest margin | 3.1657% | 5,040 |
| Noninterest income to average assets | 0.1808% | 6,181 |
| Noninterest expense to average assets | 2.8293% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2441% | 5,744 |
| Return on assets (ROA) | 0.2441% | 5,866 |
| Pretax return on assets | 0.2621% | 5,927 |
| Return on Equity (ROE) | 1.7161% | 6,020 |
| Retained earnings to average equity (ytd only) | 1.7161% | 5,122 |
| Net charge-offs to loans | 0.4278% | 1,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.8125% | 3,237 |
| Efficiency ratio | 91.5205% | 1,026 |
| Assets per employee ($millions) | 3.4585% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9806% | 2,100 |
| Loan loss allowance to noncurrent loans | 26.0829% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 2.6668% | 1,703 |
| Noncurrent loans to loans | 7.5933% | 363 |
| Net loans and leases to total assets | 30.4909% | 6,584 |
| Net loans and leases to deposits | 36.4427% | 6,555 |
| Net loans and leases to core deposits | 36.6884% | 6,603 |
| Total domestic deposits to total assets | 83.6681% | 4,604 |
| Equity capital to assets | 13.9766% | 1,031 |
| Core capital (leverage) ratio | 13.3672% | 990 |
| Tier 1 risk-based capital ratio | 33.6986% | 387 |
| Total risk-based capital ratio | 34.9511% | 383 |
| Memoranda: | ||
| Average total assets | $44,251,500 | 6,337 |
| Average earning assets | $40,686,000 | 6,320 |
| Average equity | $6,293,500 | 5,913 |
| Average total loans | $14,959,000 | 6,583 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 4,295 |
| Cost of funding earning assets | 0.6057% | 4,287 |
| Net interest margin | 3.6704% | 3,781 |
| Noninterest income to average assets | 0.2902% | 5,396 |
| Noninterest expense to average assets | 2.9669% | 3,399 |
| Loan and lease loss provision to assets | 0.1151% | 4,191 |
| Net operating income to assets | 0.4101% | 5,057 |
| Return on assets (ROA) | 0.4101% | 5,314 |
| Pretax return on assets | 0.3622% | 5,674 |
| Return on Equity (ROE) | 2.7081% | 5,671 |
| Retained earnings to average equity (ytd only) | 1.9163% | 4,867 |
| Net charge-offs to loans | 0.3719% | 2,771 |
| Credit loss provision to net charge-offs | 81.3559% | 3,783 |
| Earnings coverage of net charge-offs (x) | 3.3729% | 3,757 |
| Efficiency ratio | 86.1421% | 1,419 |
| Assets per employee ($millions) | 3.3494% | 5,333 |
| Cash dividends to net income (ytd only)* | 29.2398% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 2,469 |
| Loan loss allowance to noncurrent loans | 23.9967% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 3.0247% | 1,564 |
| Noncurrent loans to loans | 7.6638% | 393 |
| Net loans and leases to total assets | 35.9170% | 6,440 |
| Net loans and leases to deposits | 43.2291% | 6,412 |
| Net loans and leases to core deposits | 44.1455% | 6,461 |
| Total domestic deposits to total assets | 83.0853% | 4,685 |
| Equity capital to assets | 14.4757% | 883 |
| Core capital (leverage) ratio | 14.0230% | 794 |
| Tier 1 risk-based capital ratio | 30.2572% | 509 |
| Total risk-based capital ratio | 31.5078% | 502 |
| Memoranda: | ||
| Average total assets | $41,693,400 | 6,442 |
| Average earning assets | $35,827,000 | 6,506 |
| Average equity | $6,314,400 | 5,936 |
| Average total loans | $15,863,800 | 6,607 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 4,004 |
| Cost of funding earning assets | 0.6448% | 4,236 |
| Net interest margin | 3.7655% | 3,489 |
| Noninterest income to average assets | 0.2619% | 5,687 |
| Noninterest expense to average assets | 2.9297% | 3,483 |
| Loan and lease loss provision to assets | 0.1552% | 3,581 |
| Net operating income to assets | 0.3363% | 5,492 |
| Return on assets (ROA) | 0.3363% | 5,690 |
| Pretax return on assets | 0.3492% | 5,843 |
| Return on Equity (ROE) | 2.1949% | 5,974 |
| Retained earnings to average equity (ytd only) | 2.1949% | 5,236 |
| Net charge-offs to loans | 0.1431% | 3,967 |
| Credit loss provision to net charge-offs | 282.3529% | 958 |
| Earnings coverage of net charge-offs (x) | 9.1747% | 2,359 |
| Efficiency ratio | 85.3107% | 1,448 |
| Assets per employee ($millions) | 3.1422% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0288% | 2,086 |
| Loan loss allowance to noncurrent loans | 27.2136% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 3.2314% | 1,590 |
| Noncurrent loans to loans | 7.4552% | 456 |
| Net loans and leases to total assets | 39.6019% | 6,317 |
| Net loans and leases to deposits | 48.5082% | 6,232 |
| Net loans and leases to core deposits | 49.6273% | 6,302 |
| Total domestic deposits to total assets | 81.6397% | 5,150 |
| Equity capital to assets | 15.7629% | 651 |
| Core capital (leverage) ratio | 14.4384% | 724 |
| Tier 1 risk-based capital ratio | 29.3098% | 564 |
| Total risk-based capital ratio | 30.5639% | 560 |
| Memoranda: | ||
| Average total assets | $41,231,250 | 6,541 |
| Average earning assets | $34,735,750 | 6,621 |
| Average equity | $6,317,250 | 6,002 |
| Average total loans | $15,846,750 | 6,692 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 3,920 |
| Cost of funding earning assets | 0.6654% | 4,315 |
| Net interest margin | 3.8001% | 3,361 |
| Noninterest income to average assets | 0.4062% | 4,605 |
| Noninterest expense to average assets | 2.9885% | 3,298 |
| Loan and lease loss provision to assets | 0.2321% | 2,753 |
| Net operating income to assets | 0.3143% | 5,568 |
| Return on assets (ROA) | 0.3143% | 5,773 |
| Pretax return on assets | 0.3337% | 5,883 |
| Return on Equity (ROE) | 2.0712% | 6,023 |
| Retained earnings to average equity (ytd only) | 2.0712% | 5,166 |
| Net charge-offs to loans | 0.2432% | 3,115 |
| Credit loss provision to net charge-offs | 252.6316% | 1,137 |
| Earnings coverage of net charge-offs (x) | 6.1579% | 2,686 |
| Efficiency ratio | 84.0816% | 1,624 |
| Assets per employee ($millions) | 3.2060% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1237% | 1,938 |
| Loan loss allowance to noncurrent loans | 31.2090% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 2.9392% | 1,879 |
| Noncurrent loans to loans | 6.8048% | 586 |
| Net loans and leases to total assets | 36.8228% | 6,562 |
| Net loans and leases to deposits | 44.8402% | 6,512 |
| Net loans and leases to core deposits | 45.8475% | 6,579 |
| Total domestic deposits to total assets | 82.1201% | 5,087 |
| Equity capital to assets | 15.3702% | 706 |
| Core capital (leverage) ratio | 14.3999% | 715 |
| Tier 1 risk-based capital ratio | 30.2074% | 510 |
| Total risk-based capital ratio | 31.4628% | 505 |
| Memoranda: | ||
| Average total assets | $41,358,670 | 6,577 |
| Average earning assets | $34,262,670 | 6,678 |
| Average equity | $6,276,670 | 6,044 |
| Average total loans | $15,625,000 | 6,759 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 3,608 |
| Cost of funding earning assets | 0.6961% | 4,315 |
| Net interest margin | 3.8815% | 2,998 |
| Noninterest income to average assets | 0.4078% | 4,617 |
| Noninterest expense to average assets | 2.9904% | 3,287 |
| Loan and lease loss provision to assets | 0.1748% | 3,219 |
| Net operating income to assets | 0.3981% | 5,267 |
| Return on assets (ROA) | 0.3981% | 5,454 |
| Pretax return on assets | 0.4369% | 5,628 |
| Return on Equity (ROE) | 2.6401% | 5,848 |
| Retained earnings to average equity (ytd only) | 2.6401% | 4,937 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0189% | 1,799 |
| Assets per employee ($millions) | 3.1986% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2298% | 1,827 |
| Loan loss allowance to noncurrent loans | 31.2016% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 2.8330% | 2,067 |
| Noncurrent loans to loans | 7.1463% | 609 |
| Net loans and leases to total assets | 33.9546% | 6,744 |
| Net loans and leases to deposits | 40.9223% | 6,705 |
| Net loans and leases to core deposits | 42.0947% | 6,745 |
| Total domestic deposits to total assets | 82.9734% | 4,938 |
| Equity capital to assets | 14.8454% | 773 |
| Core capital (leverage) ratio | 14.3317% | 724 |
| Tier 1 risk-based capital ratio | 32.0641% | 433 |
| Total risk-based capital ratio | 33.0986% | 430 |
| Memoranda: | ||
| Average total assets | $41,199,000 | 6,638 |
| Average earning assets | $33,904,000 | 6,743 |
| Average equity | $6,212,000 | 6,094 |
| Average total loans | $15,597,500 | 6,814 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 3,975 |
| Cost of funding earning assets | 0.8572% | 4,417 |
| Net interest margin | 3.9044% | 3,320 |
| Noninterest income to average assets | 0.4391% | 4,306 |
| Noninterest expense to average assets | 3.1450% | 3,047 |
| Loan and lease loss provision to assets | 0.1929% | 4,256 |
| Net operating income to assets | 0.4569% | 4,601 |
| Return on assets (ROA) | 0.4569% | 4,816 |
| Pretax return on assets | 0.4772% | 5,056 |
| Return on Equity (ROE) | 3.0261% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.0261% | 4,074 |
| Net charge-offs to loans | 0.4854% | 3,055 |
| Credit loss provision to net charge-offs | 97.4359% | 3,692 |
| Earnings coverage of net charge-offs (x) | 3.3846% | 3,540 |
| Efficiency ratio | 82.4351% | 1,961 |
| Assets per employee ($millions) | 3.1397% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,827 |
| Loan loss allowance to noncurrent loans | 31.7328% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 2.7097% | 2,243 |
| Noncurrent loans to loans | 5.7180% | 905 |
| Net loans and leases to total assets | 40.3028% | 6,530 |
| Net loans and leases to deposits | 48.9350% | 6,436 |
| Net loans and leases to core deposits | 50.0548% | 6,526 |
| Total domestic deposits to total assets | 82.3599% | 5,008 |
| Equity capital to assets | 15.3151% | 718 |
| Core capital (leverage) ratio | 14.2736% | 760 |
| Tier 1 risk-based capital ratio | 27.8554% | 633 |
| Total risk-based capital ratio | 29.1061% | 622 |
| Memoranda: | ||
| Average total assets | $39,396,000 | 6,698 |
| Average earning assets | $34,064,400 | 6,751 |
| Average equity | $5,948,200 | 6,173 |
| Average total loans | $16,067,600 | 6,843 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 4,224 |
| Cost of funding earning assets | 0.8826% | 4,528 |
| Net interest margin | 3.8677% | 3,530 |
| Noninterest income to average assets | 0.4371% | 4,382 |
| Noninterest expense to average assets | 3.1658% | 2,939 |
| Loan and lease loss provision to assets | 0.1673% | 4,380 |
| Net operating income to assets | 0.4576% | 4,733 |
| Return on assets (ROA) | 0.4576% | 4,926 |
| Pretax return on assets | 0.4713% | 5,253 |
| Return on Equity (ROE) | 3.0423% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.0423% | 4,514 |
| Net charge-offs to loans | 0.5536% | 2,578 |
| Credit loss provision to net charge-offs | 74.2424% | 4,348 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,723 |
| Efficiency ratio | 83.2136% | 1,825 |
| Assets per employee ($millions) | 3.0998% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 3,010 |
| Loan loss allowance to noncurrent loans | 28.4729% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 2.9878% | 2,147 |
| Noncurrent loans to loans | 6.2604% | 866 |
| Net loans and leases to total assets | 39.5166% | 6,671 |
| Net loans and leases to deposits | 48.2706% | 6,611 |
| Net loans and leases to core deposits | 49.7050% | 6,683 |
| Total domestic deposits to total assets | 81.8647% | 5,143 |
| Equity capital to assets | 15.7456% | 679 |
| Core capital (leverage) ratio | 14.7034% | 727 |
| Tier 1 risk-based capital ratio | 28.5302% | 619 |
| Total risk-based capital ratio | 29.7823% | 611 |
| Memoranda: | ||
| Average total assets | $39,041,000 | 6,765 |
| Average earning assets | $33,990,250 | 6,816 |
| Average equity | $5,872,500 | 6,232 |
| Average total loans | $15,896,000 | 6,920 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7549% | 4,269 |
| Cost of funding earning assets | 0.9295% | 4,454 |
| Net interest margin | 3.8253% | 3,665 |
| Noninterest income to average assets | 0.4350% | 4,387 |
| Noninterest expense to average assets | 3.1381% | 3,120 |
| Loan and lease loss provision to assets | 0.1605% | 4,314 |
| Net operating income to assets | 0.4453% | 4,742 |
| Return on assets (ROA) | 0.4453% | 4,881 |
| Pretax return on assets | 0.4609% | 5,190 |
| Return on Equity (ROE) | 3.0096% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.0096% | 4,361 |
| Net charge-offs to loans | 0.3926% | 2,989 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 3.8710% | 3,025 |
| Efficiency ratio | 83.4711% | 1,889 |
| Assets per employee ($millions) | 3.0096% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9934% | 2,390 |
| Loan loss allowance to noncurrent loans | 26.8186% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 3.1208% | 2,152 |
| Noncurrent loans to loans | 7.4327% | 648 |
| Net loans and leases to total assets | 38.4537% | 6,836 |
| Net loans and leases to deposits | 46.1886% | 6,817 |
| Net loans and leases to core deposits | 47.5791% | 6,874 |
| Total domestic deposits to total assets | 83.2537% | 4,652 |
| Equity capital to assets | 15.1335% | 789 |
| Core capital (leverage) ratio | 14.7389% | 720 |
| Tier 1 risk-based capital ratio | 29.9322% | 536 |
| Total risk-based capital ratio | 31.1844% | 524 |
| Memoranda: | ||
| Average total assets | $38,622,330 | 6,837 |
| Average earning assets | $33,565,670 | 6,887 |
| Average equity | $5,715,000 | 6,314 |
| Average total loans | $15,790,330 | 6,991 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 4,205 |
| Cost of funding earning assets | 0.9467% | 4,593 |
| Net interest margin | 3.8229% | 3,497 |
| Noninterest income to average assets | 0.3961% | 4,732 |
| Noninterest expense to average assets | 3.0127% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6776% | 3,622 |
| Return on assets (ROA) | 0.6776% | 3,689 |
| Pretax return on assets | 0.7089% | 4,273 |
| Return on Equity (ROE) | 4.6329% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.6329% | 3,408 |
| Net charge-offs to loans | -0.0500% | 6,885 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,377 |
| Assets per employee ($millions) | 2.7731% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0337% | 2,324 |
| Loan loss allowance to noncurrent loans | 27.5986% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 2.9802% | 2,315 |
| Noncurrent loans to loans | 7.3688% | 714 |
| Net loans and leases to total assets | 38.2170% | 6,894 |
| Net loans and leases to deposits | 45.5304% | 6,875 |
| Net loans and leases to core deposits | 46.1708% | 6,966 |
| Total domestic deposits to total assets | 83.9374% | 4,511 |
| Equity capital to assets | 14.6150% | 852 |
| Core capital (leverage) ratio | 14.7908% | 694 |
| Tier 1 risk-based capital ratio | 30.2672% | 509 |
| Total risk-based capital ratio | 31.5220% | 502 |
| Memoranda: | ||
| Average total assets | $38,371,000 | 6,893 |
| Average earning assets | $33,377,500 | 6,941 |
| Average equity | $5,612,000 | 6,362 |
| Average total loans | $16,010,000 | 7,033 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 5,758 |
| Cost of funding earning assets | 1.0784% | 5,268 |
| Net interest margin | 3.6362% | 4,642 |
| Noninterest income to average assets | 0.4479% | 4,529 |
| Noninterest expense to average assets | 3.3368% | 2,618 |
| Loan and lease loss provision to assets | 0.2094% | 5,156 |
| Net operating income to assets | 0.1431% | 5,465 |
| Return on assets (ROA) | 0.1431% | 5,616 |
| Pretax return on assets | 0.1458% | 5,604 |
| Return on Equity (ROE) | 0.9731% | 5,705 |
| Retained earnings to average equity (ytd only) | 0.9731% | 5,061 |
| Net charge-offs to loans | 0.5335% | 3,479 |
| Credit loss provision to net charge-offs | 86.8132% | 5,246 |
| Earnings coverage of net charge-offs (x) | 1.4725% | 4,653 |
| Efficiency ratio | 90.3805% | 1,296 |
| Assets per employee ($millions) | 2.7085% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 2,820 |
| Loan loss allowance to noncurrent loans | 27.4439% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 3.0512% | 2,312 |
| Noncurrent loans to loans | 6.6074% | 890 |
| Net loans and leases to total assets | 43.6958% | 6,737 |
| Net loans and leases to deposits | 52.0645% | 6,741 |
| Net loans and leases to core deposits | 53.6700% | 6,831 |
| Total domestic deposits to total assets | 83.9263% | 4,390 |
| Equity capital to assets | 14.6365% | 874 |
| Core capital (leverage) ratio | 14.5119% | 746 |
| Tier 1 risk-based capital ratio | 26.8008% | 679 |
| Total risk-based capital ratio | 28.0280% | 675 |
| Memoranda: | ||
| Average total assets | $37,730,400 | 6,947 |
| Average earning assets | $33,661,800 | 6,958 |
| Average equity | $5,549,400 | 6,495 |
| Average total loans | $17,057,000 | 7,074 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 6,082 |
| Cost of funding earning assets | 1.0926% | 5,464 |
| Net interest margin | 3.5922% | 4,906 |
| Noninterest income to average assets | 0.4387% | 4,648 |
| Noninterest expense to average assets | 3.2480% | 2,747 |
| Loan and lease loss provision to assets | 0.2123% | 4,943 |
| Net operating income to assets | 0.1734% | 5,581 |
| Return on assets (ROA) | 0.1734% | 5,744 |
| Pretax return on assets | 0.2123% | 5,702 |
| Return on Equity (ROE) | 1.1773% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.1773% | 5,345 |
| Net charge-offs to loans | 0.5769% | 3,016 |
| Credit loss provision to net charge-offs | 81.0811% | 5,100 |
| Earnings coverage of net charge-offs (x) | 1.6217% | 4,502 |
| Efficiency ratio | 88.4393% | 1,417 |
| Assets per employee ($millions) | 2.7864% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 2,777 |
| Loan loss allowance to noncurrent loans | 27.2158% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 2.9762% | 2,441 |
| Noncurrent loans to loans | 6.6259% | 887 |
| Net loans and leases to total assets | 42.4364% | 6,954 |
| Net loans and leases to deposits | 50.7807% | 6,958 |
| Net loans and leases to core deposits | 52.3083% | 7,035 |
| Total domestic deposits to total assets | 83.5679% | 4,339 |
| Equity capital to assets | 14.7299% | 958 |
| Core capital (leverage) ratio | 14.9483% | 725 |
| Tier 1 risk-based capital ratio | 26.9675% | 700 |
| Total risk-based capital ratio | 28.2176% | 682 |
| Memoranda: | ||
| Average total assets | $37,683,250 | 7,030 |
| Average earning assets | $33,925,000 | 7,029 |
| Average equity | $5,549,250 | 6,580 |
| Average total loans | $17,102,500 | 7,162 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 5,754 |
| Cost of funding earning assets | 1.1315% | 5,513 |
| Net interest margin | 3.6806% | 4,447 |
| Noninterest income to average assets | 0.4404% | 4,604 |
| Noninterest expense to average assets | 3.2115% | 2,863 |
| Loan and lease loss provision to assets | 0.2309% | 4,607 |
| Net operating income to assets | 0.1880% | 5,602 |
| Return on assets (ROA) | 0.1880% | 5,727 |
| Pretax return on assets | 0.2470% | 5,667 |
| Return on Equity (ROE) | 1.2765% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.2765% | 5,243 |
| Net charge-offs to loans | 0.6983% | 2,471 |
| Credit loss provision to net charge-offs | 71.6667% | 4,921 |
| Earnings coverage of net charge-offs (x) | 1.4833% | 4,374 |
| Efficiency ratio | 87.0451% | 1,599 |
| Assets per employee ($millions) | 2.6307% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 2,701 |
| Loan loss allowance to noncurrent loans | 29.4809% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 2.8944% | 2,486 |
| Noncurrent loans to loans | 6.1259% | 1,032 |
| Net loans and leases to total assets | 44.4366% | 6,888 |
| Net loans and leases to deposits | 53.3112% | 6,904 |
| Net loans and leases to core deposits | 55.0173% | 6,989 |
| Total domestic deposits to total assets | 83.3532% | 4,410 |
| Equity capital to assets | 15.1154% | 851 |
| Core capital (leverage) ratio | 15.1523% | 694 |
| Tier 1 risk-based capital ratio | 27.7168% | 647 |
| Total risk-based capital ratio | 28.9709% | 632 |
| Memoranda: | ||
| Average total assets | $37,241,330 | 7,101 |
| Average earning assets | $32,875,330 | 7,120 |
| Average equity | $5,483,670 | 6,621 |
| Average total loans | $17,184,000 | 7,213 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 5,412 |
| Cost of funding earning assets | 1.1805% | 5,507 |
| Net interest margin | 3.7299% | 4,098 |
| Noninterest income to average assets | 0.4166% | 4,761 |
| Noninterest expense to average assets | 3.1725% | 2,965 |
| Loan and lease loss provision to assets | 0.0748% | 5,894 |
| Net operating income to assets | 0.3098% | 5,255 |
| Return on assets (ROA) | 0.3098% | 5,387 |
| Pretax return on assets | 0.3418% | 5,486 |
| Return on Equity (ROE) | 2.1316% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.1316% | 4,855 |
| Net charge-offs to loans | 0.7109% | 2,078 |
| Credit loss provision to net charge-offs | 22.5806% | 4,918 |
| Earnings coverage of net charge-offs (x) | 1.2581% | 3,998 |
| Efficiency ratio | 88.3929% | 1,549 |
| Assets per employee ($millions) | 2.8431% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 3,101 |
| Loan loss allowance to noncurrent loans | 29.8780% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 2.8301% | 2,561 |
| Noncurrent loans to loans | 5.6578% | 1,210 |
| Net loans and leases to total assets | 46.2608% | 6,813 |
| Net loans and leases to deposits | 55.1602% | 6,833 |
| Net loans and leases to core deposits | 56.9080% | 6,940 |
| Total domestic deposits to total assets | 83.8663% | 4,208 |
| Equity capital to assets | 14.7700% | 935 |
| Core capital (leverage) ratio | 15.1341% | 727 |
| Tier 1 risk-based capital ratio | 27.8418% | 648 |
| Total risk-based capital ratio | 29.0929% | 636 |
| Memoranda: | ||
| Average total assets | $37,447,000 | 7,185 |
| Average earning assets | $31,851,000 | 7,257 |
| Average equity | $5,442,000 | 6,691 |
| Average total loans | $17,442,500 | 7,288 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1800% | 5,744 |
| Cost of funding earning assets | 1.3449% | 6,163 |
| Net interest margin | 3.8351% | 3,551 |
| Noninterest income to average assets | 0.3820% | 5,358 |
| Noninterest expense to average assets | 3.2567% | 3,169 |
| Loan and lease loss provision to assets | 0.3197% | 4,901 |
| Net operating income to assets | 0.0616% | 5,311 |
| Return on assets (ROA) | 0.0650% | 5,349 |
| Pretax return on assets | 0.1409% | 5,135 |
| Return on Equity (ROE) | 0.4342% | 5,408 |
| Retained earnings to average equity (ytd only) | 0.4342% | 4,663 |
| Net charge-offs to loans | 0.3580% | 4,436 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 2.8475% | 3,666 |
| Efficiency ratio | 87.7372% | 1,908 |
| Assets per employee ($millions) | 2.9180% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 2,489 |
| Loan loss allowance to noncurrent loans | 28.8828% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 3.0685% | 2,268 |
| Noncurrent loans to loans | 6.2939% | 968 |
| Net loans and leases to total assets | 45.2760% | 7,033 |
| Net loans and leases to deposits | 53.6467% | 7,075 |
| Net loans and leases to core deposits | 59.7454% | 7,273 |
| Total domestic deposits to total assets | 84.3966% | 3,845 |
| Equity capital to assets | 14.3012% | 1,077 |
| Core capital (leverage) ratio | 14.8520% | 816 |
| Tier 1 risk-based capital ratio | 29.1557% | 571 |
| Total risk-based capital ratio | 30.4157% | 557 |
| Memoranda: | ||
| Average total assets | $36,908,000 | 7,213 |
| Average earning assets | $32,046,400 | 7,256 |
| Average equity | $5,527,400 | 6,763 |
| Average total loans | $16,480,600 | 7,384 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 5,849 |
| Cost of funding earning assets | 1.3905% | 6,267 |
| Net interest margin | 3.8167% | 3,586 |
| Noninterest income to average assets | 0.3783% | 5,487 |
| Noninterest expense to average assets | 3.1903% | 3,329 |
| Loan and lease loss provision to assets | 0.3492% | 4,229 |
| Net operating income to assets | 0.0899% | 5,496 |
| Return on assets (ROA) | 0.0946% | 5,537 |
| Pretax return on assets | 0.1710% | 5,362 |
| Return on Equity (ROE) | 0.6243% | 5,607 |
| Retained earnings to average equity (ytd only) | 0.6243% | 4,936 |
| Net charge-offs to loans | 0.2054% | 4,760 |
| Credit loss provision to net charge-offs | 384.0000% | 1,052 |
| Earnings coverage of net charge-offs (x) | 5.6406% | 2,763 |
| Efficiency ratio | 86.1493% | 2,047 |
| Assets per employee ($millions) | 2.7982% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9628% | 1,885 |
| Loan loss allowance to noncurrent loans | 27.3859% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 3.5270% | 1,879 |
| Noncurrent loans to loans | 7.1671% | 742 |
| Net loans and leases to total assets | 45.3116% | 7,153 |
| Net loans and leases to deposits | 54.2418% | 7,195 |
| Net loans and leases to core deposits | 61.4900% | 7,345 |
| Total domestic deposits to total assets | 83.5363% | 3,938 |
| Equity capital to assets | 15.3806% | 909 |
| Core capital (leverage) ratio | 15.2116% | 817 |
| Tier 1 risk-based capital ratio | 30.2951% | 553 |
| Total risk-based capital ratio | 31.5504% | 537 |
| Memoranda: | ||
| Average total assets | $36,651,500 | 7,285 |
| Average earning assets | $31,929,500 | 7,334 |
| Average equity | $5,553,000 | 6,828 |
| Average total loans | $16,227,500 | 7,459 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2444% | 5,898 |
| Cost of funding earning assets | 1.4371% | 6,358 |
| Net interest margin | 3.8073% | 3,527 |
| Noninterest income to average assets | 0.3810% | 5,458 |
| Noninterest expense to average assets | 3.0373% | 3,929 |
| Loan and lease loss provision to assets | 0.4736% | 3,155 |
| Net operating income to assets | 0.1237% | 5,495 |
| Return on assets (ROA) | 0.1306% | 5,580 |
| Pretax return on assets | 0.2123% | 5,432 |
| Return on Equity (ROE) | 0.8666% | 5,671 |
| Retained earnings to average equity (ytd only) | 0.8666% | 4,835 |
| Net charge-offs to loans | 0.1871% | 4,389 |
| Credit loss provision to net charge-offs | 580.0000% | 802 |
| Earnings coverage of net charge-offs (x) | 8.2667% | 2,291 |
| Efficiency ratio | 81.8182% | 2,743 |
| Assets per employee ($millions) | 2.8335% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 1,494 |
| Loan loss allowance to noncurrent loans | 39.4048% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 2.4162% | 2,684 |
| Noncurrent loans to loans | 5.1810% | 1,161 |
| Net loans and leases to total assets | 43.1166% | 7,385 |
| Net loans and leases to deposits | 51.2604% | 7,421 |
| Net loans and leases to core deposits | 58.3811% | 7,509 |
| Total domestic deposits to total assets | 84.1129% | 3,705 |
| Equity capital to assets | 14.9315% | 1,044 |
| Core capital (leverage) ratio | 14.6952% | 975 |
| Tier 1 risk-based capital ratio | 30.9570% | 540 |
| Total risk-based capital ratio | 32.2128% | 532 |
| Memoranda: | ||
| Average total assets | $36,743,000 | 7,353 |
| Average earning assets | $32,148,670 | 7,391 |
| Average equity | $5,539,000 | 6,884 |
| Average total loans | $16,032,330 | 7,533 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 6,187 |
| Cost of funding earning assets | 1.5188% | 6,350 |
| Net interest margin | 3.7114% | 3,842 |
| Noninterest income to average assets | 0.3924% | 5,272 |
| Noninterest expense to average assets | 3.0084% | 3,732 |
| Loan and lease loss provision to assets | 0.9483% | 1,373 |
| Net operating income to assets | -0.2616% | 6,633 |
| Return on assets (ROA) | -0.2616% | 6,710 |
| Pretax return on assets | -0.2616% | 6,632 |
| Return on Equity (ROE) | -1.7271% | 6,631 |
| Retained earnings to average equity (ytd only) | -1.7271% | 6,045 |
| Net charge-offs to loans | 0.4265% | 2,394 |
| Credit loss provision to net charge-offs | 511.7647% | 1,058 |
| Earnings coverage of net charge-offs (x) | 3.7059% | 3,094 |
| Efficiency ratio | 81.4159% | 2,620 |
| Assets per employee ($millions) | 2.8504% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0819% | 1,269 |
| Loan loss allowance to noncurrent loans | 39.6864% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 2.3748% | 2,407 |
| Noncurrent loans to loans | 5.2458% | 1,016 |
| Net loans and leases to total assets | 41.7595% | 7,480 |
| Net loans and leases to deposits | 49.7221% | 7,506 |
| Net loans and leases to core deposits | 55.8668% | 7,625 |
| Total domestic deposits to total assets | 83.9860% | 3,707 |
| Equity capital to assets | 14.9400% | 1,119 |
| Core capital (leverage) ratio | 15.0550% | 960 |
| Tier 1 risk-based capital ratio | 31.6572% | 550 |
| Total risk-based capital ratio | 32.9129% | 537 |
| Memoranda: | ||
| Average total assets | $36,697,000 | 7,390 |
| Average earning assets | $32,656,500 | 7,413 |
| Average equity | $5,558,500 | 6,928 |
| Average total loans | $15,942,000 | 7,579 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8663% | 6,201 |
| Cost of funding earning assets | 1.7436% | 7,150 |
| Net interest margin | 4.1227% | 2,612 |
| Noninterest income to average assets | 0.3568% | 5,873 |
| Noninterest expense to average assets | 3.2605% | 3,113 |
| Loan and lease loss provision to assets | 0.1521% | 5,418 |
| Net operating income to assets | 0.4620% | 4,897 |
| Return on assets (ROA) | 0.4620% | 4,717 |
| Pretax return on assets | 0.7193% | 4,338 |
| Return on Equity (ROE) | 2.8427% | 5,289 |
| Retained earnings to average equity (ytd only) | 0.6837% | 4,820 |
| Net charge-offs to loans | 0.5043% | 2,343 |
| Credit loss provision to net charge-offs | 63.4146% | 6,183 |
| Earnings coverage of net charge-offs (x) | 3.6341% | 4,278 |
| Efficiency ratio | 78.9101% | 2,767 |
| Assets per employee ($millions) | 2.7953% | 6,567 |
| Cash dividends to net income (ytd only)* | 75.9494% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 2,199 |
| Loan loss allowance to noncurrent loans | 45.1220% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 2,804 |
| Noncurrent loans to loans | 3.5694% | 1,419 |
| Net loans and leases to total assets | 43.5400% | 7,497 |
| Net loans and leases to deposits | 52.1181% | 7,529 |
| Net loans and leases to core deposits | 59.2584% | 7,613 |
| Total domestic deposits to total assets | 83.5411% | 3,560 |
| Equity capital to assets | 15.3582% | 1,072 |
| Core capital (leverage) ratio | 15.4689% | 927 |
| Tier 1 risk-based capital ratio | 30.9420% | 594 |
| Total risk-based capital ratio | 32.1918% | 588 |
| Memoranda: | ||
| Average total assets | $34,197,600 | 7,452 |
| Average earning assets | $31,314,200 | 7,446 |
| Average equity | $5,558,000 | 6,965 |
| Average total loans | $16,259,000 | 7,569 |