Home > The State Bank of Geneva > Performance and Condition Ratios
The State Bank of Geneva, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 2,380 |
| Cost of funding earning assets | 0.8012% | 3,728 |
| Net interest margin | 4.0485% | 1,135 |
| Noninterest income to average assets | 1.2500% | 475 |
| Noninterest expense to average assets | 3.8578% | 409 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.1640% | 1,744 |
| Return on assets (ROA) | 1.1640% | 1,720 |
| Pretax return on assets | 1.1640% | 2,227 |
| Return on Equity (ROE) | 13.4000% | 1,629 |
| Retained earnings to average equity (ytd only) | 13.4046% | 459 |
| Net charge-offs to loans | -0.4127% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.5511% | 1,293 |
| Assets per employee ($millions) | 4.2739% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0893% | 327 |
| Loan loss allowance to noncurrent loans | 1,340.1961% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 947 |
| Noncurrent loans to loans | 0.1559% | 2,739 |
| Net loans and leases to total assets | 59.9600% | 2,842 |
| Net loans and leases to deposits | 68.7519% | 2,974 |
| Net loans and leases to core deposits | 78.7537% | 2,781 |
| Total domestic deposits to total assets | 87.2100% | 1,611 |
| Equity capital to assets | 9.6698% | 2,225 |
| Core capital (leverage) ratio | 12.0715% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8965% | 615 |
| Memoranda: | ||
| Average total assets | $106,614,600 | 3,768 |
| Average earning assets | $101,470,800 | 3,731 |
| Average equity | $9,258,000 | 3,794 |
| Average total loans | $64,212,600 | 3,644 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7467% | 2,380 |
| Cost of funding earning assets | 0.6732% | 3,823 |
| Net interest margin | 4.0735% | 1,111 |
| Noninterest income to average assets | 1.3200% | 452 |
| Noninterest expense to average assets | 3.8902% | 384 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.1937% | 1,816 |
| Return on assets (ROA) | 1.1937% | 1,800 |
| Pretax return on assets | 1.1937% | 2,312 |
| Return on Equity (ROE) | 14.1500% | 1,615 |
| Retained earnings to average equity (ytd only) | 14.1495% | 656 |
| Net charge-offs to loans | -0.0626% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.8615% | 1,285 |
| Assets per employee ($millions) | 4.2065% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 614 |
| Loan loss allowance to noncurrent loans | 113.2000% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 262 |
| Noncurrent loans to loans | 1.5541% | 456 |
| Net loans and leases to total assets | 60.1100% | 2,835 |
| Net loans and leases to deposits | 68.2207% | 2,968 |
| Net loans and leases to core deposits | 75.9619% | 2,869 |
| Total domestic deposits to total assets | 88.1100% | 1,531 |
| Equity capital to assets | 8.7626% | 2,561 |
| Core capital (leverage) ratio | 11.8775% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2124% | 612 |
| Memoranda: | ||
| Average total assets | $106,556,250 | 3,784 |
| Average earning assets | $101,400,500 | 3,742 |
| Average equity | $8,989,500 | 3,825 |
| Average total loans | $63,908,250 | 3,654 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 2,287 |
| Cost of funding earning assets | 0.5223% | 3,937 |
| Net interest margin | 4.1390% | 1,023 |
| Noninterest income to average assets | 1.3000% | 395 |
| Noninterest expense to average assets | 3.9562% | 351 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1699% | 1,907 |
| Return on assets (ROA) | 1.1699% | 1,902 |
| Pretax return on assets | 1.1699% | 2,445 |
| Return on Equity (ROE) | 14.0400% | 1,673 |
| Retained earnings to average equity (ytd only) | 14.0448% | 670 |
| Net charge-offs to loans | -0.0627% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.5262% | 1,216 |
| Assets per employee ($millions) | 4.3093% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 786 |
| Loan loss allowance to noncurrent loans | 1,060.1942% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 928 |
| Noncurrent loans to loans | 0.1581% | 2,684 |
| Net loans and leases to total assets | 59.4500% | 2,825 |
| Net loans and leases to deposits | 67.2904% | 2,967 |
| Net loans and leases to core deposits | 73.2625% | 2,948 |
| Total domestic deposits to total assets | 88.3500% | 1,475 |
| Equity capital to assets | 8.5898% | 2,789 |
| Core capital (leverage) ratio | 11.7399% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2959% | 685 |
| Memoranda: | ||
| Average total assets | $107,020,667 | 3,799 |
| Average earning assets | $101,861,333 | 3,757 |
| Average equity | $8,914,333 | 3,858 |
| Average total loans | $63,762,333 | 3,662 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 2,027 |
| Cost of funding earning assets | 0.3862% | 4,002 |
| Net interest margin | 4.2366% | 894 |
| Noninterest income to average assets | 1.4700% | 338 |
| Noninterest expense to average assets | 3.8063% | 408 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.5825% | 1,013 |
| Return on assets (ROA) | 1.5825% | 1,011 |
| Pretax return on assets | 1.5825% | 1,507 |
| Return on Equity (ROE) | 19.3000% | 841 |
| Retained earnings to average equity (ytd only) | 19.3036% | 415 |
| Net charge-offs to loans | -0.0634% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.1888% | 1,834 |
| Assets per employee ($millions) | 4.3415% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 887 |
| Loan loss allowance to noncurrent loans | 1,011.5385% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 842 |
| Noncurrent loans to loans | 0.1642% | 2,668 |
| Net loans and leases to total assets | 59.7900% | 2,681 |
| Net loans and leases to deposits | 65.7808% | 2,952 |
| Net loans and leases to core deposits | 70.8497% | 2,892 |
| Total domestic deposits to total assets | 90.9000% | 831 |
| Equity capital to assets | 8.8746% | 2,610 |
| Core capital (leverage) ratio | 11.1993% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3270% | 712 |
| Memoranda: | ||
| Average total assets | $106,664,500 | 3,851 |
| Average earning assets | $101,496,000 | 3,805 |
| Average equity | $8,744,500 | 3,919 |
| Average total loans | $63,073,000 | 3,711 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 2,346 |
| Cost of funding earning assets | 0.1771% | 3,936 |
| Net interest margin | 3.5982% | 1,649 |
| Noninterest income to average assets | 1.1300% | 527 |
| Noninterest expense to average assets | 3.1323% | 794 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.1722% | 1,885 |
| Return on assets (ROA) | 1.1722% | 1,821 |
| Pretax return on assets | 1.1722% | 2,526 |
| Return on Equity (ROE) | 14.7100% | 1,338 |
| Retained earnings to average equity (ytd only) | 14.7140% | 315 |
| Net charge-offs to loans | 0.3998% | 186 |
| Credit loss provision to net charge-offs | 105.7851% | 1,523 |
| Earnings coverage of net charge-offs (x) | 6.3760% | 2,336 |
| Efficiency ratio | 69.0285% | 1,821 |
| Assets per employee ($millions) | 4.5472% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 957 |
| Loan loss allowance to noncurrent loans | 963.8095% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 874 |
| Noncurrent loans to loans | 0.1672% | 2,648 |
| Net loans and leases to total assets | 56.6100% | 2,959 |
| Net loans and leases to deposits | 61.4144% | 3,244 |
| Net loans and leases to core deposits | 65.4079% | 3,172 |
| Total domestic deposits to total assets | 92.1800% | 593 |
| Equity capital to assets | 7.5523% | 3,355 |
| Core capital (leverage) ratio | 10.6688% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7093% | 757 |
| Memoranda: | ||
| Average total assets | $109,792,800 | 3,839 |
| Average earning assets | $103,913,000 | 3,798 |
| Average equity | $8,746,800 | 4,016 |
| Average total loans | $60,531,000 | 3,719 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 2,430 |
| Cost of funding earning assets | 0.1489% | 3,852 |
| Net interest margin | 3.4175% | 1,923 |
| Noninterest income to average assets | 1.0600% | 610 |
| Noninterest expense to average assets | 3.0690% | 830 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1313% | 1,971 |
| Return on assets (ROA) | 1.1313% | 1,935 |
| Pretax return on assets | 1.1313% | 2,624 |
| Return on Equity (ROE) | 14.0200% | 1,422 |
| Retained earnings to average equity (ytd only) | 14.0197% | 464 |
| Net charge-offs to loans | -0.1201% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.4972% | 1,588 |
| Assets per employee ($millions) | 4.5798% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 743 |
| Loan loss allowance to noncurrent loans | 240.2985% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 528 |
| Noncurrent loans to loans | 0.7453% | 1,090 |
| Net loans and leases to total assets | 56.2300% | 2,882 |
| Net loans and leases to deposits | 60.6487% | 3,141 |
| Net loans and leases to core deposits | 64.0617% | 3,112 |
| Total domestic deposits to total assets | 92.7100% | 663 |
| Equity capital to assets | 7.1119% | 3,452 |
| Core capital (leverage) ratio | 10.2642% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1922% | 833 |
| Memoranda: | ||
| Average total assets | $109,957,750 | 3,859 |
| Average earning assets | $103,894,000 | 3,819 |
| Average equity | $8,873,000 | 4,051 |
| Average total loans | $59,965,500 | 3,745 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3996% | 2,437 |
| Cost of funding earning assets | 0.1429% | 3,668 |
| Net interest margin | 3.2568% | 2,036 |
| Noninterest income to average assets | 0.9602% | 733 |
| Noninterest expense to average assets | 3.0971% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9311% | 2,441 |
| Return on assets (ROA) | 0.9311% | 2,421 |
| Pretax return on assets | 0.9311% | 2,961 |
| Return on Equity (ROE) | 11.1003% | 1,947 |
| Retained earnings to average equity (ytd only) | 11.1003% | 769 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8849% | 1,189 |
| Assets per employee ($millions) | 4.7352% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 1,076 |
| Loan loss allowance to noncurrent loans | 212.3404% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9127% | 549 |
| Noncurrent loans to loans | 0.7710% | 1,109 |
| Net loans and leases to total assets | 55.0556% | 2,852 |
| Net loans and leases to deposits | 59.7834% | 3,063 |
| Net loans and leases to core deposits | 62.6303% | 3,063 |
| Total domestic deposits to total assets | 92.0916% | 800 |
| Equity capital to assets | 7.6843% | 3,356 |
| Core capital (leverage) ratio | 9.7885% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8013% | 882 |
| Memoranda: | ||
| Average total assets | $109,972,333 | 3,898 |
| Average earning assets | $103,599,667 | 3,874 |
| Average equity | $9,225,000 | 4,081 |
| Average total loans | $58,978,000 | 3,801 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3280% | 2,301 |
| Cost of funding earning assets | 0.1544% | 3,439 |
| Net interest margin | 3.1735% | 1,963 |
| Noninterest income to average assets | 0.9194% | 811 |
| Noninterest expense to average assets | 3.1347% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7602% | 2,809 |
| Return on assets (ROA) | 0.7602% | 2,803 |
| Pretax return on assets | 0.7602% | 3,224 |
| Return on Equity (ROE) | 8.7020% | 2,437 |
| Retained earnings to average equity (ytd only) | 8.7020% | 1,368 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4833% | 1,114 |
| Assets per employee ($millions) | 5.1056% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 1,032 |
| Loan loss allowance to noncurrent loans | 211.8896% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 608 |
| Noncurrent loans to loans | 0.8079% | 1,173 |
| Net loans and leases to total assets | 51.0149% | 3,067 |
| Net loans and leases to deposits | 57.2986% | 3,149 |
| Net loans and leases to core deposits | 60.4381% | 3,102 |
| Total domestic deposits to total assets | 89.0335% | 2,069 |
| Equity capital to assets | 8.0330% | 3,539 |
| Core capital (leverage) ratio | 9.5579% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1104% | 891 |
| Memoranda: | ||
| Average total assets | $110,503,500 | 3,909 |
| Average earning assets | $103,606,500 | 3,889 |
| Average equity | $9,653,000 | 4,096 |
| Average total loans | $57,987,500 | 3,829 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4762% | 2,730 |
| Cost of funding earning assets | 0.2451% | 2,993 |
| Net interest margin | 3.2312% | 2,511 |
| Noninterest income to average assets | 1.8921% | 345 |
| Noninterest expense to average assets | 3.0563% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7918% | 516 |
| Return on assets (ROA) | 1.8237% | 503 |
| Pretax return on assets | 1.8237% | 870 |
| Return on Equity (ROE) | 20.1451% | 304 |
| Retained earnings to average equity (ytd only) | 20.1451% | 62 |
| Net charge-offs to loans | 0.0034% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 955.0000% | 153 |
| Efficiency ratio | 63.0418% | 2,710 |
| Assets per employee ($millions) | 4.7253% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 982 |
| Loan loss allowance to noncurrent loans | 514.4330% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 984 |
| Noncurrent loans to loans | 0.3364% | 2,380 |
| Net loans and leases to total assets | 52.1489% | 3,048 |
| Net loans and leases to deposits | 59.6186% | 3,107 |
| Net loans and leases to core deposits | 63.0073% | 3,070 |
| Total domestic deposits to total assets | 87.4709% | 2,296 |
| Equity capital to assets | 9.4615% | 3,176 |
| Core capital (leverage) ratio | 9.4504% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0552% | 1,031 |
| Memoranda: | ||
| Average total assets | $106,599,400 | 3,925 |
| Average earning assets | $97,519,400 | 3,933 |
| Average equity | $9,650,000 | 4,175 |
| Average total loans | $58,090,000 | 3,849 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5007% | 2,841 |
| Cost of funding earning assets | 0.2656% | 2,948 |
| Net interest margin | 3.2351% | 2,624 |
| Noninterest income to average assets | 2.2109% | 291 |
| Noninterest expense to average assets | 3.0794% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0865% | 402 |
| Return on assets (ROA) | 2.1279% | 396 |
| Pretax return on assets | 2.1279% | 648 |
| Return on Equity (ROE) | 23.7815% | 217 |
| Retained earnings to average equity (ytd only) | 23.7815% | 63 |
| Net charge-offs to loans | 0.0046% | 2,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 830.0000% | 196 |
| Efficiency ratio | 59.6107% | 3,047 |
| Assets per employee ($millions) | 4.8204% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,047 |
| Loan loss allowance to noncurrent loans | 924.0741% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.5700% | 1,351 |
| Noncurrent loans to loans | 0.1874% | 3,197 |
| Net loans and leases to total assets | 51.0927% | 3,291 |
| Net loans and leases to deposits | 58.2310% | 3,389 |
| Net loans and leases to core deposits | 61.5323% | 3,357 |
| Total domestic deposits to total assets | 87.7414% | 1,981 |
| Equity capital to assets | 9.1946% | 3,658 |
| Core capital (leverage) ratio | 9.2654% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1583% | 1,106 |
| Memoranda: | ||
| Average total assets | $106,078,500 | 3,981 |
| Average earning assets | $96,893,750 | 3,988 |
| Average equity | $9,491,750 | 4,253 |
| Average total loans | $58,193,750 | 3,902 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 2,697 |
| Cost of funding earning assets | 0.2860% | 2,907 |
| Net interest margin | 3.2911% | 2,466 |
| Noninterest income to average assets | 2.8847% | 202 |
| Noninterest expense to average assets | 3.0953% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.7852% | 154 |
| Return on assets (ROA) | 2.8483% | 150 |
| Pretax return on assets | 2.8483% | 219 |
| Return on Equity (ROE) | 32.1463% | 79 |
| Retained earnings to average equity (ytd only) | 32.1463% | 30 |
| Net charge-offs to loans | 0.0069% | 1,889 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 727.5000% | 192 |
| Efficiency ratio | 52.6367% | 3,972 |
| Assets per employee ($millions) | 4.8152% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 1,172 |
| Loan loss allowance to noncurrent loans | 924.0741% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 1,457 |
| Noncurrent loans to loans | 0.1785% | 3,324 |
| Net loans and leases to total assets | 53.7400% | 3,160 |
| Net loans and leases to deposits | 61.2939% | 3,271 |
| Net loans and leases to core deposits | 64.9579% | 3,198 |
| Total domestic deposits to total assets | 87.6758% | 1,998 |
| Equity capital to assets | 9.1991% | 3,600 |
| Core capital (leverage) ratio | 9.1906% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1426% | 1,088 |
| Memoranda: | ||
| Average total assets | $104,481,667 | 4,023 |
| Average earning assets | $95,104,333 | 4,035 |
| Average equity | $9,257,667 | 4,294 |
| Average total loans | $58,377,000 | 3,921 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 3,219 |
| Cost of funding earning assets | 0.3102% | 2,882 |
| Net interest margin | 3.0805% | 3,052 |
| Noninterest income to average assets | 0.9828% | 1,164 |
| Noninterest expense to average assets | 3.1259% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6394% | 3,839 |
| Return on assets (ROA) | 0.6394% | 3,906 |
| Pretax return on assets | 0.6394% | 4,129 |
| Return on Equity (ROE) | 7.3699% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.3699% | 2,458 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0189% | 647 |
| Assets per employee ($millions) | 4.6120% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 1,009 |
| Loan loss allowance to noncurrent loans | 900.9009% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 1,591 |
| Noncurrent loans to loans | 0.1906% | 3,422 |
| Net loans and leases to total assets | 53.9683% | 3,246 |
| Net loans and leases to deposits | 58.9541% | 3,566 |
| Net loans and leases to core deposits | 62.7066% | 3,528 |
| Total domestic deposits to total assets | 91.5429% | 232 |
| Equity capital to assets | 8.1667% | 4,384 |
| Core capital (leverage) ratio | 8.4814% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8564% | 1,615 |
| Memoranda: | ||
| Average total assets | $101,347,500 | 4,056 |
| Average earning assets | $91,544,000 | 4,078 |
| Average equity | $8,792,500 | 4,359 |
| Average total loans | $57,308,000 | 3,962 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 2,764 |
| Cost of funding earning assets | 0.4645% | 3,191 |
| Net interest margin | 3.5250% | 2,394 |
| Noninterest income to average assets | 0.9641% | 1,115 |
| Noninterest expense to average assets | 3.4300% | 758 |
| Loan and lease loss provision to assets | 0.1664% | 2,303 |
| Net operating income to assets | 0.5201% | 3,986 |
| Return on assets (ROA) | 0.5201% | 4,071 |
| Pretax return on assets | 0.5201% | 4,238 |
| Return on Equity (ROE) | 5.5143% | 3,736 |
| Retained earnings to average equity (ytd only) | 4.3460% | 2,627 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3244% | 680 |
| Assets per employee ($millions) | 4.2008% | 4,211 |
| Cash dividends to net income (ytd only)* | 21.1864% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 896 |
| Loan loss allowance to noncurrent loans | 917.4312% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 1,602 |
| Noncurrent loans to loans | 0.1934% | 3,515 |
| Net loans and leases to total assets | 57.3061% | 3,164 |
| Net loans and leases to deposits | 63.3494% | 3,488 |
| Net loans and leases to core deposits | 67.2121% | 3,467 |
| Total domestic deposits to total assets | 90.4604% | 393 |
| Equity capital to assets | 9.2343% | 3,853 |
| Core capital (leverage) ratio | 8.7980% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9490% | 1,549 |
| Memoranda: | ||
| Average total assets | $90,758,800 | 4,111 |
| Average earning assets | $81,162,400 | 4,148 |
| Average equity | $8,559,600 | 4,364 |
| Average total loans | $54,029,800 | 4,019 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 2,816 |
| Cost of funding earning assets | 0.4936% | 3,265 |
| Net interest margin | 3.5586% | 2,398 |
| Noninterest income to average assets | 0.9511% | 1,119 |
| Noninterest expense to average assets | 3.4761% | 727 |
| Loan and lease loss provision to assets | 0.1792% | 2,198 |
| Net operating income to assets | 0.4718% | 4,112 |
| Return on assets (ROA) | 0.4718% | 4,188 |
| Pretax return on assets | 0.4718% | 4,339 |
| Return on Equity (ROE) | 4.9749% | 3,903 |
| Retained earnings to average equity (ytd only) | 3.4006% | 3,358 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2258% | 589 |
| Assets per employee ($millions) | 4.1997% | 4,147 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 861 |
| Loan loss allowance to noncurrent loans | 880.9091% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 1,767 |
| Noncurrent loans to loans | 0.1952% | 3,612 |
| Net loans and leases to total assets | 57.3308% | 3,489 |
| Net loans and leases to deposits | 63.3271% | 3,839 |
| Net loans and leases to core deposits | 66.4176% | 3,868 |
| Total domestic deposits to total assets | 90.5313% | 277 |
| Equity capital to assets | 9.0567% | 4,071 |
| Core capital (leverage) ratio | 8.7822% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9740% | 1,503 |
| Memoranda: | ||
| Average total assets | $89,294,000 | 4,132 |
| Average earning assets | $79,692,000 | 4,172 |
| Average equity | $8,469,000 | 4,395 |
| Average total loans | $53,445,250 | 4,058 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 3,129 |
| Cost of funding earning assets | 0.5233% | 3,396 |
| Net interest margin | 3.5463% | 2,648 |
| Noninterest income to average assets | 0.9417% | 1,086 |
| Noninterest expense to average assets | 3.5896% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5043% | 4,009 |
| Return on assets (ROA) | 0.5043% | 4,082 |
| Pretax return on assets | 0.5043% | 4,242 |
| Return on Equity (ROE) | 5.2292% | 3,766 |
| Retained earnings to average equity (ytd only) | 2.8415% | 3,449 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6828% | 467 |
| Assets per employee ($millions) | 4.0580% | 4,249 |
| Cash dividends to net income (ytd only)* | 45.6621% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,273 |
| Loan loss allowance to noncurrent loans | 764.8649% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 1,802 |
| Noncurrent loans to loans | 0.1958% | 3,674 |
| Net loans and leases to total assets | 59.8221% | 3,346 |
| Net loans and leases to deposits | 66.3124% | 3,693 |
| Net loans and leases to core deposits | 70.1894% | 3,690 |
| Total domestic deposits to total assets | 90.2127% | 342 |
| Equity capital to assets | 9.2355% | 3,891 |
| Core capital (leverage) ratio | 9.1869% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2470% | 1,428 |
| Memoranda: | ||
| Average total assets | $86,861,333 | 4,166 |
| Average earning assets | $77,207,333 | 4,210 |
| Average equity | $8,376,000 | 4,423 |
| Average total loans | $52,478,333 | 4,096 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 2,705 |
| Cost of funding earning assets | 0.5630% | 3,627 |
| Net interest margin | 3.8112% | 1,929 |
| Noninterest income to average assets | 0.9949% | 867 |
| Noninterest expense to average assets | 3.8314% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5309% | 3,807 |
| Return on assets (ROA) | 0.5309% | 3,868 |
| Pretax return on assets | 0.5309% | 4,072 |
| Return on Equity (ROE) | 5.3792% | 3,514 |
| Retained earnings to average equity (ytd only) | 0.5331% | 3,864 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8289% | 591 |
| Assets per employee ($millions) | 3.6778% | 4,300 |
| Cash dividends to net income (ytd only)* | 90.0901% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 966 |
| Loan loss allowance to noncurrent loans | 786.1111% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 1,811 |
| Noncurrent loans to loans | 0.2091% | 3,731 |
| Net loans and leases to total assets | 60.0433% | 3,486 |
| Net loans and leases to deposits | 66.9196% | 3,801 |
| Net loans and leases to core deposits | 71.2672% | 3,797 |
| Total domestic deposits to total assets | 89.7244% | 406 |
| Equity capital to assets | 9.8925% | 3,887 |
| Core capital (leverage) ratio | 9.8048% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7290% | 1,677 |
| Memoranda: | ||
| Average total assets | $83,624,500 | 4,213 |
| Average earning assets | $73,888,000 | 4,260 |
| Average equity | $8,254,000 | 4,463 |
| Average total loans | $50,375,500 | 4,146 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 3,375 |
| Cost of funding earning assets | 0.5353% | 3,947 |
| Net interest margin | 3.8221% | 2,438 |
| Noninterest income to average assets | 0.9292% | 1,116 |
| Noninterest expense to average assets | 3.9270% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3777% | 4,637 |
| Return on assets (ROA) | 0.3789% | 4,663 |
| Pretax return on assets | 0.3789% | 4,745 |
| Return on Equity (ROE) | 3.8897% | 4,486 |
| Retained earnings to average equity (ytd only) | 3.8897% | 3,024 |
| Net charge-offs to loans | 0.2005% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 3.1789% | 3,350 |
| Efficiency ratio | 91.2260% | 308 |
| Assets per employee ($millions) | 3.5939% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 750 |
| Loan loss allowance to noncurrent loans | 778.8991% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 1,690 |
| Noncurrent loans to loans | 0.2219% | 3,653 |
| Net loans and leases to total assets | 58.3874% | 3,735 |
| Net loans and leases to deposits | 64.9526% | 4,012 |
| Net loans and leases to core deposits | 68.9550% | 4,026 |
| Total domestic deposits to total assets | 89.8923% | 354 |
| Equity capital to assets | 9.8476% | 4,059 |
| Core capital (leverage) ratio | 9.5981% | 3,962 |
| Tier 1 risk-based capital ratio | 15.1287% | 2,730 |
| Total risk-based capital ratio | 16.3834% | 2,657 |
| Memoranda: | ||
| Average total assets | $79,958,800 | 4,287 |
| Average earning assets | $70,615,800 | 4,335 |
| Average equity | $7,789,800 | 4,531 |
| Average total loans | $47,383,800 | 4,231 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 3,420 |
| Cost of funding earning assets | 0.5243% | 4,051 |
| Net interest margin | 3.8567% | 2,411 |
| Noninterest income to average assets | 0.9384% | 1,067 |
| Noninterest expense to average assets | 3.9890% | 536 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3515% | 4,787 |
| Return on assets (ROA) | 0.3515% | 4,811 |
| Pretax return on assets | 0.3515% | 4,858 |
| Return on Equity (ROE) | 3.6179% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.6179% | 3,594 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9024% | 273 |
| Assets per employee ($millions) | 3.3452% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9910% | 476 |
| Loan loss allowance to noncurrent loans | 858.1818% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 1,745 |
| Noncurrent loans to loans | 0.2320% | 3,715 |
| Net loans and leases to total assets | 57.8813% | 3,890 |
| Net loans and leases to deposits | 64.5264% | 4,144 |
| Net loans and leases to core deposits | 68.6259% | 4,128 |
| Total domestic deposits to total assets | 89.7017% | 371 |
| Equity capital to assets | 10.0118% | 4,007 |
| Core capital (leverage) ratio | 9.5910% | 4,072 |
| Tier 1 risk-based capital ratio | 15.3291% | 2,700 |
| Total risk-based capital ratio | 16.5865% | 2,630 |
| Memoranda: | ||
| Average total assets | $79,283,500 | 4,355 |
| Average earning assets | $69,938,000 | 4,399 |
| Average equity | $7,702,250 | 4,601 |
| Average total loans | $46,951,750 | 4,290 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 3,453 |
| Cost of funding earning assets | 0.5059% | 4,096 |
| Net interest margin | 3.8549% | 2,391 |
| Noninterest income to average assets | 0.8740% | 1,142 |
| Noninterest expense to average assets | 4.0000% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2711% | 4,913 |
| Return on assets (ROA) | 0.2711% | 4,925 |
| Pretax return on assets | 0.2711% | 4,959 |
| Return on Equity (ROE) | 2.8194% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.8194% | 3,801 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6536% | 239 |
| Assets per employee ($millions) | 3.0778% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9767% | 494 |
| Loan loss allowance to noncurrent loans | 225.8373% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 1,072 |
| Noncurrent loans to loans | 0.8753% | 1,851 |
| Net loans and leases to total assets | 60.8388% | 3,669 |
| Net loans and leases to deposits | 67.9937% | 3,968 |
| Net loans and leases to core deposits | 72.4245% | 3,981 |
| Total domestic deposits to total assets | 89.4770% | 486 |
| Equity capital to assets | 10.2150% | 3,784 |
| Core capital (leverage) ratio | 10.1190% | 3,485 |
| Tier 1 risk-based capital ratio | 14.8576% | 2,893 |
| Total risk-based capital ratio | 16.1146% | 2,817 |
| Memoranda: | ||
| Average total assets | $78,949,670 | 4,391 |
| Average earning assets | $69,574,000 | 4,443 |
| Average equity | $7,590,330 | 4,637 |
| Average total loans | $46,797,670 | 4,321 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 3,469 |
| Cost of funding earning assets | 0.4760% | 4,178 |
| Net interest margin | 3.8531% | 2,332 |
| Noninterest income to average assets | 0.7705% | 1,362 |
| Noninterest expense to average assets | 4.0024% | 541 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1701% | 5,035 |
| Return on assets (ROA) | 0.1701% | 5,041 |
| Pretax return on assets | 0.1701% | 5,055 |
| Return on Equity (ROE) | 1.8242% | 4,986 |
| Retained earnings to average equity (ytd only) | 1.8242% | 4,112 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9233% | 229 |
| Assets per employee ($millions) | 3.1755% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0248% | 478 |
| Loan loss allowance to noncurrent loans | 835.3982% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 1,763 |
| Noncurrent loans to loans | 0.2424% | 3,699 |
| Net loans and leases to total assets | 57.5384% | 3,936 |
| Net loans and leases to deposits | 63.8835% | 4,185 |
| Net loans and leases to core deposits | 67.8621% | 4,186 |
| Total domestic deposits to total assets | 90.0676% | 423 |
| Equity capital to assets | 9.5633% | 4,197 |
| Core capital (leverage) ratio | 9.8891% | 3,725 |
| Tier 1 risk-based capital ratio | 14.7698% | 2,977 |
| Total risk-based capital ratio | 16.0271% | 2,911 |
| Memoranda: | ||
| Average total assets | $79,951,500 | 4,416 |
| Average earning assets | $70,592,000 | 4,477 |
| Average equity | $7,455,500 | 4,688 |
| Average total loans | $46,318,000 | 4,378 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 3,666 |
| Cost of funding earning assets | 0.3524% | 4,271 |
| Net interest margin | 3.7722% | 2,770 |
| Noninterest income to average assets | 0.7803% | 1,525 |
| Noninterest expense to average assets | 3.7628% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3588% | 4,924 |
| Return on assets (ROA) | 0.3588% | 4,922 |
| Pretax return on assets | 0.3588% | 4,983 |
| Return on Equity (ROE) | 4.1298% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.1298% | 3,288 |
| Net charge-offs to loans | -0.0285% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2940% | 298 |
| Assets per employee ($millions) | 3.2206% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0515% | 431 |
| Loan loss allowance to noncurrent loans | 858.1818% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 1,775 |
| Noncurrent loans to loans | 0.2391% | 3,725 |
| Net loans and leases to total assets | 55.9765% | 4,135 |
| Net loans and leases to deposits | 61.7583% | 4,386 |
| Net loans and leases to core deposits | 64.5795% | 4,428 |
| Total domestic deposits to total assets | 90.6379% | 284 |
| Equity capital to assets | 9.0901% | 4,500 |
| Core capital (leverage) ratio | 9.7216% | 3,885 |
| Tier 1 risk-based capital ratio | 14.9638% | 2,846 |
| Total risk-based capital ratio | 16.2201% | 2,773 |
| Memoranda: | ||
| Average total assets | $81,376,000 | 4,411 |
| Average earning assets | $72,080,800 | 4,455 |
| Average equity | $7,070,600 | 4,734 |
| Average total loans | $45,602,000 | 4,418 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,945 |
| Cost of funding earning assets | 0.3264% | 4,335 |
| Net interest margin | 3.6692% | 3,123 |
| Noninterest income to average assets | 0.7811% | 1,537 |
| Noninterest expense to average assets | 3.7552% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2778% | 5,122 |
| Return on assets (ROA) | 0.2778% | 5,115 |
| Pretax return on assets | 0.2778% | 5,158 |
| Return on Equity (ROE) | 3.2341% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.2341% | 4,126 |
| Net charge-offs to loans | -0.0381% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1118% | 257 |
| Assets per employee ($millions) | 3.2667% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1138% | 406 |
| Loan loss allowance to noncurrent loans | 637.8378% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 1,800 |
| Noncurrent loans to loans | 0.3314% | 3,479 |
| Net loans and leases to total assets | 53.5265% | 4,392 |
| Net loans and leases to deposits | 58.6923% | 4,611 |
| Net loans and leases to core deposits | 61.0173% | 4,663 |
| Total domestic deposits to total assets | 91.1985% | 179 |
| Equity capital to assets | 8.5015% | 4,921 |
| Core capital (leverage) ratio | 9.4079% | 4,268 |
| Tier 1 risk-based capital ratio | 14.7004% | 3,017 |
| Total risk-based capital ratio | 15.9580% | 2,942 |
| Memoranda: | ||
| Average total assets | $81,591,000 | 4,451 |
| Average earning assets | $72,311,000 | 4,499 |
| Average equity | $7,008,500 | 4,796 |
| Average total loans | $45,499,000 | 4,468 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 3,773 |
| Cost of funding earning assets | 0.3125% | 4,327 |
| Net interest margin | 3.6922% | 2,962 |
| Noninterest income to average assets | 0.8018% | 1,472 |
| Noninterest expense to average assets | 3.7565% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3188% | 5,093 |
| Return on assets (ROA) | 0.3188% | 5,088 |
| Pretax return on assets | 0.3188% | 5,144 |
| Return on Equity (ROE) | 3.6983% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.6983% | 3,748 |
| Net charge-offs to loans | -0.0568% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1781% | 303 |
| Assets per employee ($millions) | 3.3053% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0633% | 466 |
| Loan loss allowance to noncurrent loans | 616.9935% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 1,831 |
| Noncurrent loans to loans | 0.3344% | 3,498 |
| Net loans and leases to total assets | 54.2265% | 4,320 |
| Net loans and leases to deposits | 59.4394% | 4,560 |
| Net loans and leases to core deposits | 62.0074% | 4,601 |
| Total domestic deposits to total assets | 91.2299% | 197 |
| Equity capital to assets | 8.4204% | 5,000 |
| Core capital (leverage) ratio | 9.3956% | 4,252 |
| Tier 1 risk-based capital ratio | 14.4177% | 3,152 |
| Total risk-based capital ratio | 15.6709% | 3,066 |
| Memoranda: | ||
| Average total assets | $81,565,330 | 4,487 |
| Average earning assets | $72,314,330 | 4,543 |
| Average equity | $7,030,330 | 4,839 |
| Average total loans | $45,779,330 | 4,498 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 3,159 |
| Cost of funding earning assets | 0.2951% | 4,387 |
| Net interest margin | 3.8257% | 2,315 |
| Noninterest income to average assets | 0.9083% | 1,129 |
| Noninterest expense to average assets | 3.7023% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5973% | 4,434 |
| Return on assets (ROA) | 0.5973% | 4,442 |
| Pretax return on assets | 0.5973% | 4,690 |
| Return on Equity (ROE) | 6.8492% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.8492% | 2,346 |
| Net charge-offs to loans | -0.1048% | 5,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1079% | 639 |
| Assets per employee ($millions) | 3.2824% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0656% | 482 |
| Loan loss allowance to noncurrent loans | 600.6369% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.8299% | 1,907 |
| Noncurrent loans to loans | 0.3439% | 3,532 |
| Net loans and leases to total assets | 54.4845% | 4,243 |
| Net loans and leases to deposits | 59.7999% | 4,485 |
| Net loans and leases to core deposits | 62.1948% | 4,540 |
| Total domestic deposits to total assets | 91.1114% | 287 |
| Equity capital to assets | 8.5218% | 4,957 |
| Core capital (leverage) ratio | 9.5600% | 4,001 |
| Tier 1 risk-based capital ratio | 14.4519% | 3,146 |
| Total risk-based capital ratio | 15.7075% | 3,053 |
| Memoranda: | ||
| Average total assets | $81,031,500 | 4,548 |
| Average earning assets | $71,829,500 | 4,601 |
| Average equity | $7,066,500 | 4,889 |
| Average total loans | $45,792,500 | 4,546 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 4,914 |
| Cost of funding earning assets | 0.3009% | 4,131 |
| Net interest margin | 3.1193% | 4,649 |
| Noninterest income to average assets | 0.7761% | 1,658 |
| Noninterest expense to average assets | 3.7100% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.1898% | 5,449 |
| Return on assets (ROA) | -0.1439% | 5,435 |
| Pretax return on assets | -0.1439% | 5,482 |
| Return on Equity (ROE) | -1.6612% | 5,451 |
| Retained earnings to average equity (ytd only) | -1.6612% | 5,247 |
| Net charge-offs to loans | 0.0657% | 2,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -5.8148% | 4,076 |
| Efficiency ratio | 105.3915% | 124 |
| Assets per employee ($millions) | 3.0770% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 510 |
| Loan loss allowance to noncurrent loans | 331.3167% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0062% | 1,526 |
| Noncurrent loans to loans | 0.6118% | 2,704 |
| Net loans and leases to total assets | 56.2491% | 4,165 |
| Net loans and leases to deposits | 61.9379% | 4,457 |
| Net loans and leases to core deposits | 64.4852% | 4,503 |
| Total domestic deposits to total assets | 90.8153% | 291 |
| Equity capital to assets | 8.9247% | 4,794 |
| Core capital (leverage) ratio | 9.3699% | 4,201 |
| Tier 1 risk-based capital ratio | 14.3390% | 3,181 |
| Total risk-based capital ratio | 15.5955% | 3,080 |
| Memoranda: | ||
| Average total assets | $82,722,200 | 4,540 |
| Average earning assets | $72,773,200 | 4,602 |
| Average equity | $7,163,600 | 4,915 |
| Average total loans | $41,125,400 | 4,695 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3389% | 5,055 |
| Cost of funding earning assets | 0.2984% | 4,150 |
| Net interest margin | 3.0405% | 4,831 |
| Noninterest income to average assets | 0.8809% | 1,333 |
| Noninterest expense to average assets | 3.7200% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1679% | 5,567 |
| Return on assets (ROA) | -0.1071% | 5,556 |
| Pretax return on assets | -0.1071% | 5,546 |
| Return on Equity (ROE) | -1.2460% | 5,567 |
| Retained earnings to average equity (ytd only) | -1.2460% | 5,372 |
| Net charge-offs to loans | -0.0033% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7255% | 126 |
| Assets per employee ($millions) | 3.3377% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4128% | 299 |
| Loan loss allowance to noncurrent loans | 229.4258% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 1.9437% | 683 |
| Noncurrent loans to loans | 1.0517% | 1,839 |
| Net loans and leases to total assets | 48.4208% | 4,804 |
| Net loans and leases to deposits | 53.4639% | 4,985 |
| Net loans and leases to core deposits | 56.2171% | 4,993 |
| Total domestic deposits to total assets | 90.5673% | 307 |
| Equity capital to assets | 9.0745% | 4,844 |
| Core capital (leverage) ratio | 9.2442% | 4,471 |
| Tier 1 risk-based capital ratio | 16.0095% | 2,498 |
| Total risk-based capital ratio | 17.2697% | 2,435 |
| Memoranda: | ||
| Average total assets | $83,402,000 | 4,572 |
| Average earning assets | $73,275,250 | 4,640 |
| Average equity | $7,169,500 | 4,968 |
| Average total loans | $39,923,750 | 4,783 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2705% | 5,148 |
| Cost of funding earning assets | 0.2934% | 4,144 |
| Net interest margin | 2.9771% | 4,960 |
| Noninterest income to average assets | 0.8615% | 1,388 |
| Noninterest expense to average assets | 3.7183% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2390% | 5,632 |
| Return on assets (ROA) | -0.2438% | 5,632 |
| Pretax return on assets | -0.2438% | 5,622 |
| Return on Equity (ROE) | -2.8866% | 5,646 |
| Retained earnings to average equity (ytd only) | -2.8866% | 5,421 |
| Net charge-offs to loans | -0.0050% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8707% | 126 |
| Assets per employee ($millions) | 3.5173% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3879% | 326 |
| Loan loss allowance to noncurrent loans | 228.3333% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.8468% | 733 |
| Noncurrent loans to loans | 1.0458% | 1,875 |
| Net loans and leases to total assets | 46.4384% | 4,928 |
| Net loans and leases to deposits | 51.0025% | 5,105 |
| Net loans and leases to core deposits | 53.9817% | 5,090 |
| Total domestic deposits to total assets | 91.0514% | 211 |
| Equity capital to assets | 8.5625% | 5,259 |
| Core capital (leverage) ratio | 8.7644% | 4,989 |
| Tier 1 risk-based capital ratio | 15.3242% | 2,790 |
| Total risk-based capital ratio | 16.5828% | 2,719 |
| Memoranda: | ||
| Average total assets | $84,501,330 | 4,585 |
| Average earning assets | $74,300,000 | 4,648 |
| Average equity | $7,136,330 | 4,998 |
| Average total loans | $39,983,000 | 4,809 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2220% | 5,212 |
| Cost of funding earning assets | 0.2963% | 4,085 |
| Net interest margin | 2.9257% | 5,034 |
| Noninterest income to average assets | 0.7286% | 1,837 |
| Noninterest expense to average assets | 3.8465% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5488% | 5,745 |
| Return on assets (ROA) | -0.5488% | 5,744 |
| Pretax return on assets | -0.5488% | 5,736 |
| Return on Equity (ROE) | -6.5440% | 5,750 |
| Retained earnings to average equity (ytd only) | -6.5440% | 5,466 |
| Net charge-offs to loans | -0.0100% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6428% | 84 |
| Assets per employee ($millions) | 3.1952% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4001% | 356 |
| Loan loss allowance to noncurrent loans | 224.5902% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.8850% | 727 |
| Noncurrent loans to loans | 1.0686% | 1,918 |
| Net loans and leases to total assets | 46.9426% | 4,894 |
| Net loans and leases to deposits | 51.5451% | 5,051 |
| Net loans and leases to core deposits | 54.6244% | 5,037 |
| Total domestic deposits to total assets | 91.0708% | 283 |
| Equity capital to assets | 8.5115% | 5,234 |
| Core capital (leverage) ratio | 8.8813% | 4,866 |
| Tier 1 risk-based capital ratio | 15.5528% | 2,730 |
| Total risk-based capital ratio | 16.8118% | 2,658 |
| Memoranda: | ||
| Average total assets | $84,544,500 | 4,630 |
| Average earning assets | $74,239,500 | 4,700 |
| Average equity | $7,090,500 | 5,046 |
| Average total loans | $39,894,500 | 4,854 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1351% | 5,370 |
| Cost of funding earning assets | 0.3020% | 4,043 |
| Net interest margin | 2.8331% | 5,237 |
| Noninterest income to average assets | 0.9183% | 1,353 |
| Noninterest expense to average assets | 3.9378% | 657 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.5267% | 5,790 |
| Return on assets (ROA) | -0.4805% | 5,791 |
| Pretax return on assets | -0.4805% | 5,776 |
| Return on Equity (ROE) | -5.3037% | 5,794 |
| Retained earnings to average equity (ytd only) | -5.3037% | 5,686 |
| Net charge-offs to loans | -0.0664% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4419% | 99 |
| Assets per employee ($millions) | 3.3082% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4051% | 353 |
| Loan loss allowance to noncurrent loans | 193.9271% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 2.5984% | 447 |
| Noncurrent loans to loans | 1.2402% | 1,655 |
| Net loans and leases to total assets | 45.1955% | 5,059 |
| Net loans and leases to deposits | 49.4782% | 5,231 |
| Net loans and leases to core deposits | 52.3133% | 5,217 |
| Total domestic deposits to total assets | 91.3443% | 198 |
| Equity capital to assets | 8.2662% | 5,442 |
| Core capital (leverage) ratio | 8.7984% | 4,969 |
| Tier 1 risk-based capital ratio | 15.6350% | 2,691 |
| Total risk-based capital ratio | 16.8938% | 2,616 |
| Memoranda: | ||
| Average total assets | $86,570,800 | 4,610 |
| Average earning assets | $76,170,800 | 4,672 |
| Average equity | $7,843,600 | 4,961 |
| Average total loans | $42,178,600 | 4,808 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1501% | 5,428 |
| Cost of funding earning assets | 0.3056% | 4,036 |
| Net interest margin | 2.8445% | 5,280 |
| Noninterest income to average assets | 0.9718% | 1,208 |
| Noninterest expense to average assets | 3.9118% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.4352% | 5,845 |
| Return on assets (ROA) | -0.3736% | 5,845 |
| Pretax return on assets | -0.3736% | 5,833 |
| Return on Equity (ROE) | -4.0363% | 5,847 |
| Retained earnings to average equity (ytd only) | -4.0363% | 5,696 |
| Net charge-offs to loans | 0.1465% | 1,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -6.0207% | 3,904 |
| Efficiency ratio | 112.5166% | 110 |
| Assets per employee ($millions) | 3.3450% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1500% | 555 |
| Loan loss allowance to noncurrent loans | 136.6873% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 2.7447% | 467 |
| Noncurrent loans to loans | 1.5730% | 1,380 |
| Net loans and leases to total assets | 46.2073% | 5,083 |
| Net loans and leases to deposits | 51.1103% | 5,250 |
| Net loans and leases to core deposits | 53.9706% | 5,228 |
| Total domestic deposits to total assets | 90.4069% | 345 |
| Equity capital to assets | 9.2148% | 4,960 |
| Core capital (leverage) ratio | 8.9354% | 4,899 |
| Tier 1 risk-based capital ratio | 15.8137% | 2,699 |
| Total risk-based capital ratio | 17.0709% | 2,635 |
| Memoranda: | ||
| Average total assets | $86,710,250 | 4,642 |
| Average earning assets | $76,355,500 | 4,703 |
| Average equity | $8,027,000 | 4,980 |
| Average total loans | $42,765,250 | 4,836 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1743% | 5,469 |
| Cost of funding earning assets | 0.3119% | 3,996 |
| Net interest margin | 2.8624% | 5,325 |
| Noninterest income to average assets | 0.9605% | 1,215 |
| Noninterest expense to average assets | 3.9319% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4502% | 5,912 |
| Return on assets (ROA) | -0.2494% | 5,879 |
| Pretax return on assets | -0.2494% | 5,869 |
| Return on Equity (ROE) | -2.6895% | 5,887 |
| Retained earnings to average equity (ytd only) | -2.6895% | 5,595 |
| Net charge-offs to loans | 0.2169% | 1,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -4.1489% | 3,623 |
| Efficiency ratio | 112.9310% | 126 |
| Assets per employee ($millions) | 3.4932% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 627 |
| Loan loss allowance to noncurrent loans | 126.6858% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 2.7917% | 455 |
| Noncurrent loans to loans | 1.6505% | 1,291 |
| Net loans and leases to total assets | 47.3452% | 5,044 |
| Net loans and leases to deposits | 52.5088% | 5,227 |
| Net loans and leases to core deposits | 55.5090% | 5,200 |
| Total domestic deposits to total assets | 90.1661% | 426 |
| Equity capital to assets | 9.4125% | 4,858 |
| Core capital (leverage) ratio | 9.1758% | 4,629 |
| Tier 1 risk-based capital ratio | 15.3745% | 2,917 |
| Total risk-based capital ratio | 16.6300% | 2,844 |
| Memoranda: | ||
| Average total assets | $86,624,000 | 4,681 |
| Average earning assets | $76,299,330 | 4,750 |
| Average equity | $8,031,330 | 5,016 |
| Average total loans | $43,330,670 | 4,851 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1893% | 5,495 |
| Cost of funding earning assets | 0.3263% | 3,885 |
| Net interest margin | 2.8630% | 5,375 |
| Noninterest income to average assets | 1.0015% | 1,073 |
| Noninterest expense to average assets | 4.0431% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5193% | 5,968 |
| Return on assets (ROA) | -0.1576% | 5,885 |
| Pretax return on assets | -0.1576% | 5,880 |
| Return on Equity (ROE) | -1.7135% | 5,897 |
| Retained earnings to average equity (ytd only) | -1.7135% | 5,356 |
| Net charge-offs to loans | 0.4284% | 526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -2.3830% | 3,023 |
| Efficiency ratio | 114.7368% | 130 |
| Assets per employee ($millions) | 3.4415% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0750% | 722 |
| Loan loss allowance to noncurrent loans | 126.1429% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 2.8371% | 471 |
| Noncurrent loans to loans | 1.6450% | 1,385 |
| Net loans and leases to total assets | 48.4333% | 4,934 |
| Net loans and leases to deposits | 53.5968% | 5,126 |
| Net loans and leases to core deposits | 56.5437% | 5,109 |
| Total domestic deposits to total assets | 90.3659% | 478 |
| Equity capital to assets | 9.3389% | 4,854 |
| Core capital (leverage) ratio | 9.3078% | 4,480 |
| Tier 1 risk-based capital ratio | 15.5125% | 2,905 |
| Total risk-based capital ratio | 16.7677% | 2,841 |
| Memoranda: | ||
| Average total assets | $86,270,500 | 4,729 |
| Average earning assets | $76,004,000 | 4,795 |
| Average equity | $7,937,000 | 5,061 |
| Average total loans | $43,881,000 | 4,873 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 5,369 |
| Cost of funding earning assets | 0.3388% | 3,811 |
| Net interest margin | 2.9473% | 5,256 |
| Noninterest income to average assets | 0.7291% | 2,069 |
| Noninterest expense to average assets | 3.4299% | 1,432 |
| Loan and lease loss provision to assets | 0.4770% | 247 |
| Net operating income to assets | -0.5854% | 6,060 |
| Return on assets (ROA) | 0.4711% | 4,888 |
| Pretax return on assets | 0.4711% | 5,173 |
| Return on Equity (ROE) | 5.1757% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.1757% | 2,295 |
| Net charge-offs to loans | 0.5510% | 449 |
| Credit loss provision to net charge-offs | 163.3065% | 1,641 |
| Earnings coverage of net charge-offs (x) | -0.3710% | 4,295 |
| Efficiency ratio | 103.2624% | 225 |
| Assets per employee ($millions) | 3.4601% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 728 |
| Loan loss allowance to noncurrent loans | 63.3515% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 3.5213% | 334 |
| Noncurrent loans to loans | 3.2472% | 462 |
| Net loans and leases to total assets | 51.1867% | 4,756 |
| Net loans and leases to deposits | 56.4087% | 5,016 |
| Net loans and leases to core deposits | 59.3420% | 5,026 |
| Total domestic deposits to total assets | 90.7425% | 358 |
| Equity capital to assets | 9.0621% | 5,065 |
| Core capital (leverage) ratio | 9.4281% | 4,282 |
| Tier 1 risk-based capital ratio | 14.7761% | 3,288 |
| Total risk-based capital ratio | 16.0328% | 3,218 |
| Memoranda: | ||
| Average total assets | $84,901,200 | 4,770 |
| Average earning assets | $74,678,200 | 4,842 |
| Average equity | $7,728,400 | 5,101 |
| Average total loans | $45,006,400 | 4,831 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 5,377 |
| Cost of funding earning assets | 0.3339% | 3,935 |
| Net interest margin | 2.9815% | 5,239 |
| Noninterest income to average assets | 0.7511% | 2,018 |
| Noninterest expense to average assets | 3.4255% | 1,424 |
| Loan and lease loss provision to assets | 0.0063% | 4,134 |
| Net operating income to assets | -0.0600% | 5,972 |
| Return on assets (ROA) | 1.3207% | 1,347 |
| Pretax return on assets | 1.3207% | 2,317 |
| Return on Equity (ROE) | 14.4917% | 811 |
| Retained earnings to average equity (ytd only) | 14.4917% | 190 |
| Net charge-offs to loans | -0.0119% | 5,048 |
| Credit loss provision to net charge-offs | -100.0000% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5910% | 267 |
| Assets per employee ($millions) | 3.3345% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 1,504 |
| Loan loss allowance to noncurrent loans | 64.0689% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 3.6971% | 332 |
| Noncurrent loans to loans | 2.6334% | 745 |
| Net loans and leases to total assets | 54.5914% | 4,498 |
| Net loans and leases to deposits | 60.8840% | 4,793 |
| Net loans and leases to core deposits | 63.2825% | 4,853 |
| Total domestic deposits to total assets | 89.6645% | 704 |
| Equity capital to assets | 10.0404% | 4,107 |
| Core capital (leverage) ratio | 9.9947% | 3,633 |
| Tier 1 risk-based capital ratio | 15.7935% | 2,901 |
| Total risk-based capital ratio | 17.0471% | 2,834 |
| Memoranda: | ||
| Average total assets | $84,500,750 | 4,836 |
| Average earning assets | $74,278,500 | 4,903 |
| Average equity | $7,700,750 | 5,174 |
| Average total loans | $44,956,000 | 4,881 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 5,468 |
| Cost of funding earning assets | 0.3299% | 4,051 |
| Net interest margin | 2.9529% | 5,332 |
| Noninterest income to average assets | 1.6447% | 489 |
| Noninterest expense to average assets | 3.4213% | 1,436 |
| Loan and lease loss provision to assets | 0.0094% | 3,915 |
| Net operating income to assets | 0.8294% | 3,219 |
| Return on assets (ROA) | 0.8388% | 3,284 |
| Pretax return on assets | 0.8388% | 4,173 |
| Return on Equity (ROE) | 9.5217% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.5217% | 774 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3097% | 1,711 |
| Assets per employee ($millions) | 3.4084% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 1,799 |
| Loan loss allowance to noncurrent loans | 27.5532% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 3.3094% | 458 |
| Noncurrent loans to loans | 5.9371% | 163 |
| Net loans and leases to total assets | 54.8298% | 4,473 |
| Net loans and leases to deposits | 60.4904% | 4,812 |
| Net loans and leases to core deposits | 63.3162% | 4,857 |
| Total domestic deposits to total assets | 90.6421% | 400 |
| Equity capital to assets | 8.9718% | 5,262 |
| Core capital (leverage) ratio | 9.3784% | 4,449 |
| Tier 1 risk-based capital ratio | 14.3486% | 3,734 |
| Total risk-based capital ratio | 15.6003% | 3,651 |
| Memoranda: | ||
| Average total assets | $84,880,000 | 4,878 |
| Average earning assets | $75,180,330 | 4,939 |
| Average equity | $7,477,670 | 5,264 |
| Average total loans | $44,511,330 | 4,930 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1305% | 5,748 |
| Cost of funding earning assets | 0.3407% | 3,976 |
| Net interest margin | 2.7898% | 5,666 |
| Noninterest income to average assets | 0.8452% | 1,567 |
| Noninterest expense to average assets | 3.3241% | 1,661 |
| Loan and lease loss provision to assets | 0.0189% | 3,469 |
| Net operating income to assets | -0.0236% | 6,037 |
| Return on assets (ROA) | -0.0047% | 6,062 |
| Pretax return on assets | -0.0047% | 6,055 |
| Return on Equity (ROE) | -0.0541% | 6,063 |
| Retained earnings to average equity (ytd only) | -0.0541% | 5,385 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1422% | 362 |
| Assets per employee ($millions) | 3.2448% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 1,540 |
| Loan loss allowance to noncurrent loans | 26.1792% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 3.5181% | 467 |
| Noncurrent loans to loans | 6.7978% | 135 |
| Net loans and leases to total assets | 50.8321% | 4,767 |
| Net loans and leases to deposits | 55.9807% | 5,053 |
| Net loans and leases to core deposits | 58.3488% | 5,098 |
| Total domestic deposits to total assets | 90.8029% | 439 |
| Equity capital to assets | 8.9458% | 5,354 |
| Core capital (leverage) ratio | 9.1372% | 4,802 |
| Tier 1 risk-based capital ratio | 14.4956% | 3,726 |
| Total risk-based capital ratio | 14.4956% | 4,385 |
| Memoranda: | ||
| Average total assets | $84,714,500 | 4,922 |
| Average earning assets | $75,132,000 | 4,987 |
| Average equity | $7,394,000 | 5,326 |
| Average total loans | $43,018,000 | 5,021 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0200% | 6,042 |
| Cost of funding earning assets | 0.3554% | 4,197 |
| Net interest margin | 2.6646% | 5,989 |
| Noninterest income to average assets | 0.7482% | 2,082 |
| Noninterest expense to average assets | 3.5687% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.4414% | 6,284 |
| Return on assets (ROA) | 0.9121% | 2,911 |
| Pretax return on assets | 0.9121% | 3,864 |
| Return on Equity (ROE) | 11.9219% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.9219% | 306 |
| Net charge-offs to loans | 1.3352% | 192 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.7421% | 4,782 |
| Efficiency ratio | 114.1146% | 169 |
| Assets per employee ($millions) | 3.2717% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 1,484 |
| Loan loss allowance to noncurrent loans | 24.5086% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 3.7078% | 485 |
| Noncurrent loans to loans | 7.4431% | 129 |
| Net loans and leases to total assets | 48.9061% | 5,079 |
| Net loans and leases to deposits | 53.6184% | 5,361 |
| Net loans and leases to core deposits | 56.2546% | 5,366 |
| Total domestic deposits to total assets | 91.2114% | 299 |
| Equity capital to assets | 8.5123% | 5,744 |
| Core capital (leverage) ratio | 9.0833% | 4,845 |
| Tier 1 risk-based capital ratio | 14.7606% | 3,624 |
| Total risk-based capital ratio | 16.0138% | 3,553 |
| Memoranda: | ||
| Average total assets | $85,410,400 | 4,929 |
| Average earning assets | $76,259,400 | 4,981 |
| Average equity | $6,534,200 | 5,511 |
| Average total loans | $38,045,600 | 5,254 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0114% | 6,127 |
| Cost of funding earning assets | 0.3575% | 4,264 |
| Net interest margin | 2.6539% | 6,068 |
| Noninterest income to average assets | 0.7751% | 1,989 |
| Noninterest expense to average assets | 3.5306% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3821% | 6,335 |
| Return on assets (ROA) | 1.4207% | 1,128 |
| Pretax return on assets | 1.4207% | 1,927 |
| Return on Equity (ROE) | 19.1056% | 340 |
| Retained earnings to average equity (ytd only) | 19.1056% | 84 |
| Net charge-offs to loans | 0.4833% | 812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -1.8284% | 4,557 |
| Efficiency ratio | 112.1347% | 195 |
| Assets per employee ($millions) | 3.2622% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8374% | 427 |
| Loan loss allowance to noncurrent loans | 70.8900% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.1717% | 1,280 |
| Noncurrent loans to loans | 4.0025% | 530 |
| Net loans and leases to total assets | 46.3086% | 5,348 |
| Net loans and leases to deposits | 50.7048% | 5,604 |
| Net loans and leases to core deposits | 53.7348% | 5,584 |
| Total domestic deposits to total assets | 91.3297% | 272 |
| Equity capital to assets | 8.3921% | 5,880 |
| Core capital (leverage) ratio | 9.1343% | 4,878 |
| Tier 1 risk-based capital ratio | 15.3260% | 3,409 |
| Total risk-based capital ratio | 16.5874% | 3,340 |
| Memoranda: | ||
| Average total assets | $85,496,750 | 4,985 |
| Average earning assets | $76,464,000 | 5,027 |
| Average equity | $6,357,500 | 5,609 |
| Average total loans | $36,963,250 | 5,347 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9755% | 6,209 |
| Cost of funding earning assets | 0.3560% | 4,368 |
| Net interest margin | 2.6195% | 6,150 |
| Noninterest income to average assets | 0.7559% | 2,020 |
| Noninterest expense to average assets | 3.7260% | 1,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6183% | 6,464 |
| Return on assets (ROA) | 2.0648% | 306 |
| Pretax return on assets | 2.0648% | 470 |
| Return on Equity (ROE) | 28.9974% | 67 |
| Retained earnings to average equity (ytd only) | 28.9974% | 32 |
| Net charge-offs to loans | 0.5809% | 697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -2.5481% | 4,258 |
| Efficiency ratio | 119.8949% | 143 |
| Assets per employee ($millions) | 3.2209% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2609% | 288 |
| Loan loss allowance to noncurrent loans | 71.2470% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.2929% | 1,306 |
| Noncurrent loans to loans | 4.5769% | 472 |
| Net loans and leases to total assets | 40.1506% | 5,800 |
| Net loans and leases to deposits | 43.9042% | 5,988 |
| Net loans and leases to core deposits | 46.5529% | 5,969 |
| Total domestic deposits to total assets | 91.4506% | 273 |
| Equity capital to assets | 8.0297% | 6,140 |
| Core capital (leverage) ratio | 9.1213% | 4,852 |
| Tier 1 risk-based capital ratio | 16.0969% | 3,041 |
| Total risk-based capital ratio | 17.3620% | 2,978 |
| Memoranda: | ||
| Average total assets | $85,723,000 | 5,028 |
| Average earning assets | $76,961,000 | 5,046 |
| Average equity | $6,104,000 | 5,692 |
| Average total loans | $35,809,330 | 5,428 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9438% | 6,290 |
| Cost of funding earning assets | 0.3479% | 4,559 |
| Net interest margin | 2.5960% | 6,246 |
| Noninterest income to average assets | 0.8507% | 1,557 |
| Noninterest expense to average assets | 3.1022% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0987% | 6,034 |
| Return on assets (ROA) | 0.2444% | 5,725 |
| Pretax return on assets | 0.2444% | 5,844 |
| Return on Equity (ROE) | 3.6720% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.6720% | 3,929 |
| Net charge-offs to loans | 1.1663% | 286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.2019% | 3,393 |
| Efficiency ratio | 96.9163% | 595 |
| Assets per employee ($millions) | 3.4127% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3659% | 303 |
| Loan loss allowance to noncurrent loans | 62.4072% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 2.6114% | 1,190 |
| Noncurrent loans to loans | 5.3935% | 376 |
| Net loans and leases to total assets | 39.6064% | 5,835 |
| Net loans and leases to deposits | 42.6412% | 6,041 |
| Net loans and leases to core deposits | 44.9857% | 6,037 |
| Total domestic deposits to total assets | 92.8830% | 129 |
| Equity capital to assets | 6.8486% | 6,478 |
| Core capital (leverage) ratio | 8.2689% | 5,879 |
| Tier 1 risk-based capital ratio | 15.0213% | 3,702 |
| Total risk-based capital ratio | 16.2875% | 3,640 |
| Memoranda: | ||
| Average total assets | $85,102,000 | 5,086 |
| Average earning assets | $77,043,000 | 5,091 |
| Average equity | $5,664,500 | 5,826 |
| Average total loans | $35,667,000 | 5,473 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 6,019 |
| Cost of funding earning assets | 0.3996% | 4,658 |
| Net interest margin | 2.8856% | 5,816 |
| Noninterest income to average assets | 0.8160% | 2,002 |
| Noninterest expense to average assets | 3.0794% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3583% | 5,301 |
| Return on assets (ROA) | 0.4103% | 5,225 |
| Pretax return on assets | 0.4103% | 5,476 |
| Return on Equity (ROE) | 5.6590% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.6590% | 2,181 |
| Net charge-offs to loans | 0.6550% | 993 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.2625% | 4,647 |
| Efficiency ratio | 89.5769% | 1,060 |
| Assets per employee ($millions) | 3.2649% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5225% | 286 |
| Loan loss allowance to noncurrent loans | 66.5109% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.6942% | 1,243 |
| Noncurrent loans to loans | 5.2962% | 441 |
| Net loans and leases to total assets | 41.3314% | 5,868 |
| Net loans and leases to deposits | 44.3659% | 6,103 |
| Net loans and leases to core deposits | 47.4506% | 6,064 |
| Total domestic deposits to total assets | 93.1603% | 123 |
| Equity capital to assets | 6.4627% | 6,573 |
| Core capital (leverage) ratio | 8.2260% | 5,948 |
| Tier 1 risk-based capital ratio | 14.3878% | 4,023 |
| Total risk-based capital ratio | 15.6411% | 3,969 |
| Memoranda: | ||
| Average total assets | $84,562,800 | 5,128 |
| Average earning assets | $76,830,200 | 5,121 |
| Average equity | $6,131,800 | 5,782 |
| Average total loans | $36,641,000 | 5,470 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3897% | 5,904 |
| Cost of funding earning assets | 0.4079% | 4,758 |
| Net interest margin | 2.9819% | 5,634 |
| Noninterest income to average assets | 0.8601% | 1,894 |
| Noninterest expense to average assets | 3.0949% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4766% | 4,905 |
| Return on assets (ROA) | 0.5334% | 4,808 |
| Pretax return on assets | 0.5334% | 5,262 |
| Return on Equity (ROE) | 7.1610% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.1610% | 1,804 |
| Net charge-offs to loans | 0.2724% | 2,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.0266% | 3,553 |
| Efficiency ratio | 86.6549% | 1,301 |
| Assets per employee ($millions) | 3.1958% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1043% | 216 |
| Loan loss allowance to noncurrent loans | 129.2225% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.7812% | 2,302 |
| Noncurrent loans to loans | 3.1762% | 1,238 |
| Net loans and leases to total assets | 40.6602% | 5,985 |
| Net loans and leases to deposits | 43.8818% | 6,206 |
| Net loans and leases to core deposits | 46.3513% | 6,199 |
| Total domestic deposits to total assets | 92.6587% | 155 |
| Equity capital to assets | 6.7913% | 6,593 |
| Core capital (leverage) ratio | 8.2252% | 6,038 |
| Tier 1 risk-based capital ratio | 14.9974% | 3,755 |
| Total risk-based capital ratio | 16.2706% | 3,689 |
| Memoranda: | ||
| Average total assets | $84,481,750 | 5,176 |
| Average earning assets | $76,818,000 | 5,171 |
| Average equity | $6,293,250 | 5,816 |
| Average total loans | $36,709,750 | 5,523 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 5,987 |
| Cost of funding earning assets | 0.4111% | 4,852 |
| Net interest margin | 2.9500% | 5,694 |
| Noninterest income to average assets | 0.9065% | 1,795 |
| Noninterest expense to average assets | 3.0231% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5698% | 4,454 |
| Return on assets (ROA) | 0.6216% | 4,350 |
| Pretax return on assets | 0.6216% | 4,942 |
| Return on Equity (ROE) | 8.1106% | 3,035 |
| Retained earnings to average equity (ytd only) | 8.1106% | 1,439 |
| Net charge-offs to loans | 0.4139% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.1429% | 3,477 |
| Efficiency ratio | 84.1415% | 1,617 |
| Assets per employee ($millions) | 3.3362% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0325% | 251 |
| Loan loss allowance to noncurrent loans | 100.6272% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 2.1977% | 1,967 |
| Noncurrent loans to loans | 4.0074% | 970 |
| Net loans and leases to total assets | 41.2026% | 5,953 |
| Net loans and leases to deposits | 44.7449% | 6,183 |
| Net loans and leases to core deposits | 47.8215% | 6,140 |
| Total domestic deposits to total assets | 92.0832% | 236 |
| Equity capital to assets | 7.3293% | 6,502 |
| Core capital (leverage) ratio | 7.9943% | 6,192 |
| Tier 1 risk-based capital ratio | 14.7841% | 3,918 |
| Total risk-based capital ratio | 16.0570% | 3,872 |
| Memoranda: | ||
| Average total assets | $84,945,330 | 5,196 |
| Average earning assets | $77,355,000 | 5,188 |
| Average equity | $6,510,000 | 5,809 |
| Average total loans | $37,202,670 | 5,531 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3601% | 6,026 |
| Cost of funding earning assets | 0.4245% | 4,870 |
| Net interest margin | 2.9356% | 5,743 |
| Noninterest income to average assets | 0.9473% | 1,623 |
| Noninterest expense to average assets | 3.0940% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5320% | 4,530 |
| Return on assets (ROA) | 0.5320% | 4,675 |
| Pretax return on assets | 0.5320% | 5,172 |
| Return on Equity (ROE) | 6.7973% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.7973% | 2,252 |
| Net charge-offs to loans | -0.0106% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3282% | 1,605 |
| Assets per employee ($millions) | 3.4138% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0800% | 267 |
| Loan loss allowance to noncurrent loans | 93.2598% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 2.3786% | 1,955 |
| Noncurrent loans to loans | 4.3749% | 976 |
| Net loans and leases to total assets | 41.9263% | 5,850 |
| Net loans and leases to deposits | 45.9616% | 6,056 |
| Net loans and leases to core deposits | 49.1801% | 6,024 |
| Total domestic deposits to total assets | 91.2203% | 437 |
| Equity capital to assets | 7.9184% | 6,424 |
| Core capital (leverage) ratio | 7.7793% | 6,307 |
| Tier 1 risk-based capital ratio | 13.8657% | 4,602 |
| Total risk-based capital ratio | 15.1388% | 4,542 |
| Memoranda: | ||
| Average total assets | $85,715,500 | 5,209 |
| Average earning assets | $78,212,500 | 5,202 |
| Average equity | $6,708,500 | 5,815 |
| Average total loans | $37,899,500 | 5,547 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 5,860 |
| Cost of funding earning assets | 0.4967% | 5,241 |
| Net interest margin | 3.2898% | 5,279 |
| Noninterest income to average assets | 0.9043% | 1,847 |
| Noninterest expense to average assets | 3.5045% | 1,805 |
| Loan and lease loss provision to assets | -1.3536% | 7,074 |
| Net operating income to assets | 1.7522% | 557 |
| Return on assets (ROA) | 2.1889% | 285 |
| Pretax return on assets | 2.1889% | 418 |
| Return on Equity (ROE) | 32.7485% | 50 |
| Retained earnings to average equity (ytd only) | 32.7485% | 18 |
| Net charge-offs to loans | 3.3593% | 120 |
| Credit loss provision to net charge-offs | -81.9958% | 6,316 |
| Earnings coverage of net charge-offs (x) | 0.2415% | 5,353 |
| Efficiency ratio | 89.7875% | 1,086 |
| Assets per employee ($millions) | 3.5869% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9512% | 297 |
| Loan loss allowance to noncurrent loans | 101.1303% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 2.2175% | 2,209 |
| Noncurrent loans to loans | 3.9070% | 1,230 |
| Net loans and leases to total assets | 42.9501% | 5,902 |
| Net loans and leases to deposits | 46.7901% | 6,193 |
| Net loans and leases to core deposits | 49.8477% | 6,157 |
| Total domestic deposits to total assets | 91.7931% | 285 |
| Equity capital to assets | 7.7353% | 6,532 |
| Core capital (leverage) ratio | 7.7485% | 6,372 |
| Tier 1 risk-based capital ratio | 13.3831% | 4,830 |
| Total risk-based capital ratio | 14.6578% | 4,770 |
| Memoranda: | ||
| Average total assets | $86,803,400 | 5,165 |
| Average earning assets | $79,123,400 | 5,156 |
| Average equity | $5,801,800 | 6,073 |
| Average total loans | $42,658,200 | 5,394 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8689% | 5,863 |
| Cost of funding earning assets | 0.5164% | 5,337 |
| Net interest margin | 3.3525% | 5,209 |
| Noninterest income to average assets | 0.8630% | 1,971 |
| Noninterest expense to average assets | 3.5608% | 1,631 |
| Loan and lease loss provision to assets | -1.8011% | 7,176 |
| Net operating income to assets | 2.1582% | 310 |
| Return on assets (ROA) | 2.7208% | 144 |
| Pretax return on assets | 2.7208% | 207 |
| Return on Equity (ROE) | 42.3554% | 22 |
| Retained earnings to average equity (ytd only) | 42.3554% | 11 |
| Net charge-offs to loans | 5.2387% | 32 |
| Credit loss provision to net charge-offs | -68.4333% | 6,211 |
| Earnings coverage of net charge-offs (x) | 0.1357% | 5,266 |
| Efficiency ratio | 90.8842% | 975 |
| Assets per employee ($millions) | 3.3774% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9709% | 738 |
| Loan loss allowance to noncurrent loans | 82.4117% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 2.2573% | 2,364 |
| Noncurrent loans to loans | 3.6050% | 1,499 |
| Net loans and leases to total assets | 47.8469% | 5,564 |
| Net loans and leases to deposits | 52.1998% | 5,965 |
| Net loans and leases to core deposits | 56.4474% | 5,857 |
| Total domestic deposits to total assets | 91.6611% | 252 |
| Equity capital to assets | 7.8568% | 6,661 |
| Core capital (leverage) ratio | 7.6625% | 6,546 |
| Tier 1 risk-based capital ratio | 12.6150% | 5,550 |
| Total risk-based capital ratio | 13.8791% | 5,498 |
| Memoranda: | ||
| Average total assets | $86,982,750 | 5,212 |
| Average earning assets | $79,263,000 | 5,202 |
| Average equity | $5,587,500 | 6,195 |
| Average total loans | $43,699,000 | 5,403 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 5,867 |
| Cost of funding earning assets | 0.5402% | 5,370 |
| Net interest margin | 3.3790% | 5,168 |
| Noninterest income to average assets | 0.8494% | 1,967 |
| Noninterest expense to average assets | 3.4817% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4440% | 5,059 |
| Return on assets (ROA) | 1.2797% | 1,656 |
| Pretax return on assets | 1.2797% | 2,631 |
| Return on Equity (ROE) | 21.4558% | 268 |
| Retained earnings to average equity (ytd only) | 21.4558% | 77 |
| Net charge-offs to loans | 5.1863% | 56 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.1694% | 4,986 |
| Efficiency ratio | 88.6891% | 1,176 |
| Assets per employee ($millions) | 3.2412% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9259% | 53 |
| Loan loss allowance to noncurrent loans | 115.2477% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 3.5742% | 1,480 |
| Noncurrent loans to loans | 6.0096% | 727 |
| Net loans and leases to total assets | 47.4896% | 5,662 |
| Net loans and leases to deposits | 50.9737% | 6,107 |
| Net loans and leases to core deposits | 54.9975% | 6,021 |
| Total domestic deposits to total assets | 93.1649% | 115 |
| Equity capital to assets | 6.4506% | 6,990 |
| Core capital (leverage) ratio | 5.9704% | 6,992 |
| Tier 1 risk-based capital ratio | 10.1194% | 6,790 |
| Total risk-based capital ratio | 11.4261% | 6,763 |
| Memoranda: | ||
| Average total assets | $87,831,670 | 5,229 |
| Average earning assets | $79,965,000 | 5,206 |
| Average equity | $5,238,670 | 6,322 |
| Average total loans | $44,386,330 | 5,414 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 5,897 |
| Cost of funding earning assets | 0.5782% | 5,291 |
| Net interest margin | 3.3764% | 5,214 |
| Noninterest income to average assets | 0.8704% | 1,866 |
| Noninterest expense to average assets | 3.5085% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4374% | 5,098 |
| Return on assets (ROA) | 2.0221% | 463 |
| Pretax return on assets | 2.0221% | 709 |
| Return on Equity (ROE) | 35.2529% | 64 |
| Retained earnings to average equity (ytd only) | 35.2529% | 44 |
| Net charge-offs to loans | 0.8962% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.9703% | 3,845 |
| Efficiency ratio | 88.9140% | 1,186 |
| Assets per employee ($millions) | 3.3513% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0330% | 19 |
| Loan loss allowance to noncurrent loans | 96.1796% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 5.2976% | 958 |
| Noncurrent loans to loans | 9.3918% | 341 |
| Net loans and leases to total assets | 46.5541% | 5,724 |
| Net loans and leases to deposits | 49.7590% | 6,159 |
| Net loans and leases to core deposits | 55.8725% | 5,912 |
| Total domestic deposits to total assets | 93.5593% | 110 |
| Equity capital to assets | 6.0448% | 7,071 |
| Core capital (leverage) ratio | 5.6948% | 7,069 |
| Tier 1 risk-based capital ratio | 9.7598% | 6,925 |
| Total risk-based capital ratio | 11.0892% | 6,909 |
| Memoranda: | ||
| Average total assets | $89,612,000 | 5,221 |
| Average earning assets | $81,626,000 | 5,201 |
| Average equity | $5,140,000 | 6,386 |
| Average total loans | $45,080,500 | 5,413 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 6,180 |
| Cost of funding earning assets | 0.7530% | 5,190 |
| Net interest margin | 3.4000% | 5,479 |
| Noninterest income to average assets | 0.7636% | 2,268 |
| Noninterest expense to average assets | 3.2633% | 2,641 |
| Loan and lease loss provision to assets | 4.4362% | 38 |
| Net operating income to assets | -3.8666% | 7,246 |
| Return on assets (ROA) | -3.6430% | 7,239 |
| Pretax return on assets | -3.6451% | 7,247 |
| Return on Equity (ROE) | -45.7508% | 7,187 |
| Retained earnings to average equity (ytd only) | -45.7508% | 7,184 |
| Net charge-offs to loans | 1.6521% | 942 |
| Credit loss provision to net charge-offs | 534.4346% | 430 |
| Earnings coverage of net charge-offs (x) | 0.6836% | 5,300 |
| Efficiency ratio | 85.1872% | 1,655 |
| Assets per employee ($millions) | 3.4108% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0610% | 21 |
| Loan loss allowance to noncurrent loans | 70.6779% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 6.9431% | 661 |
| Noncurrent loans to loans | 12.8201% | 184 |
| Net loans and leases to total assets | 44.9990% | 6,114 |
| Net loans and leases to deposits | 47.8660% | 6,504 |
| Net loans and leases to core deposits | 54.2316% | 6,287 |
| Total domestic deposits to total assets | 94.0103% | 95 |
| Equity capital to assets | 5.4435% | 7,136 |
| Core capital (leverage) ratio | 4.9073% | 7,156 |
| Tier 1 risk-based capital ratio | 8.5723% | 7,075 |
| Total risk-based capital ratio | 9.9001% | 7,068 |
| Memoranda: | ||
| Average total assets | $94,811,000 | 5,053 |
| Average earning assets | $85,529,200 | 5,071 |
| Average equity | $7,549,600 | 5,700 |
| Average total loans | $47,635,600 | 5,362 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 6,071 |
| Cost of funding earning assets | 0.7885% | 5,226 |
| Net interest margin | 3.4655% | 5,330 |
| Noninterest income to average assets | 0.7763% | 2,161 |
| Noninterest expense to average assets | 3.2966% | 2,505 |
| Loan and lease loss provision to assets | 1.3041% | 576 |
| Net operating income to assets | -0.7037% | 6,756 |
| Return on assets (ROA) | -0.5166% | 6,692 |
| Pretax return on assets | -0.5138% | 6,630 |
| Return on Equity (ROE) | -6.0280% | 6,718 |
| Retained earnings to average equity (ytd only) | -6.0280% | 6,644 |
| Net charge-offs to loans | 0.0415% | 5,570 |
| Credit loss provision to net charge-offs | 6,226.6667% | 44 |
| Earnings coverage of net charge-offs (x) | 28.7995% | 958 |
| Efficiency ratio | 84.5328% | 1,686 |
| Assets per employee ($millions) | 3.6088% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4648% | 584 |
| Loan loss allowance to noncurrent loans | 67.7339% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 4.0563% | 1,510 |
| Noncurrent loans to loans | 5.1153% | 1,198 |
| Net loans and leases to total assets | 48.3715% | 5,910 |
| Net loans and leases to deposits | 54.1411% | 6,202 |
| Net loans and leases to core deposits | 61.8225% | 5,827 |
| Total domestic deposits to total assets | 89.3435% | 1,227 |
| Equity capital to assets | 8.7264% | 6,054 |
| Core capital (leverage) ratio | 8.1473% | 6,208 |
| Tier 1 risk-based capital ratio | 13.1188% | 5,009 |
| Total risk-based capital ratio | 14.3871% | 4,977 |
| Memoranda: | ||
| Average total assets | $95,491,000 | 5,059 |
| Average earning assets | $86,065,000 | 5,088 |
| Average equity | $8,183,750 | 5,545 |
| Average total loans | $48,152,250 | 5,379 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 6,071 |
| Cost of funding earning assets | 0.8062% | 5,324 |
| Net interest margin | 3.4768% | 5,260 |
| Noninterest income to average assets | 0.7809% | 2,108 |
| Noninterest expense to average assets | 3.3172% | 2,501 |
| Loan and lease loss provision to assets | 0.2499% | 3,407 |
| Net operating income to assets | 0.3728% | 5,071 |
| Return on assets (ROA) | 0.5851% | 4,262 |
| Pretax return on assets | 0.5893% | 4,775 |
| Return on Equity (ROE) | 6.8685% | 3,501 |
| Retained earnings to average equity (ytd only) | 6.8685% | 1,935 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1521% | 1,797 |
| Assets per employee ($millions) | 3.6322% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 3,293 |
| Loan loss allowance to noncurrent loans | 49.1998% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 3.2890% | 2,028 |
| Noncurrent loans to loans | 3.4741% | 2,036 |
| Net loans and leases to total assets | 50.5416% | 5,746 |
| Net loans and leases to deposits | 56.8194% | 6,065 |
| Net loans and leases to core deposits | 63.4859% | 5,779 |
| Total domestic deposits to total assets | 88.9514% | 1,565 |
| Equity capital to assets | 9.1119% | 5,414 |
| Core capital (leverage) ratio | 8.7916% | 5,064 |
| Tier 1 risk-based capital ratio | 13.8260% | 4,289 |
| Total risk-based capital ratio | 15.0769% | 4,260 |
| Memoranda: | ||
| Average total assets | $96,044,670 | 5,073 |
| Average earning assets | $87,321,670 | 5,086 |
| Average equity | $8,182,330 | 5,554 |
| Average total loans | $48,531,000 | 5,418 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 5,947 |
| Cost of funding earning assets | 0.8262% | 5,420 |
| Net interest margin | 3.4954% | 5,033 |
| Noninterest income to average assets | 0.8384% | 1,892 |
| Noninterest expense to average assets | 3.2215% | 2,811 |
| Loan and lease loss provision to assets | 0.2478% | 3,182 |
| Net operating income to assets | 0.5419% | 4,305 |
| Return on assets (ROA) | 0.6237% | 3,968 |
| Pretax return on assets | 0.6319% | 4,563 |
| Return on Equity (ROE) | 7.5775% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.5775% | 1,905 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1644% | 2,499 |
| Assets per employee ($millions) | 3.5926% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 3,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4742% | 4,042 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 49.1325% | 5,945 |
| Net loans and leases to deposits | 54.7081% | 6,237 |
| Net loans and leases to core deposits | 60.8066% | 6,038 |
| Total domestic deposits to total assets | 89.8084% | 1,279 |
| Equity capital to assets | 8.2927% | 6,170 |
| Core capital (leverage) ratio | 8.6088% | 5,254 |
| Tier 1 risk-based capital ratio | 13.3428% | 4,549 |
| Total risk-based capital ratio | 14.5885% | 4,532 |
| Memoranda: | ||
| Average total assets | $96,848,500 | 5,086 |
| Average earning assets | $88,115,000 | 5,089 |
| Average equity | $7,971,000 | 5,611 |
| Average total loans | $48,516,500 | 5,457 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 5,473 |
| Cost of funding earning assets | 1.0566% | 5,388 |
| Net interest margin | 3.7276% | 4,240 |
| Noninterest income to average assets | 0.7896% | 2,332 |
| Noninterest expense to average assets | 3.2262% | 2,993 |
| Loan and lease loss provision to assets | 0.5364% | 3,002 |
| Net operating income to assets | 0.3959% | 4,556 |
| Return on assets (ROA) | 0.6394% | 3,644 |
| Pretax return on assets | 0.6394% | 4,202 |
| Return on Equity (ROE) | 7.3127% | 2,973 |
| Retained earnings to average equity (ytd only) | 2.6871% | 3,977 |
| Net charge-offs to loans | 0.8223% | 2,580 |
| Credit loss provision to net charge-offs | 127.5510% | 3,153 |
| Earnings coverage of net charge-offs (x) | 2.2168% | 4,064 |
| Efficiency ratio | 77.5800% | 2,778 |
| Assets per employee ($millions) | 3.7191% | 4,418 |
| Cash dividends to net income (ytd only)* | 63.2550% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 4,225 |
| Loan loss allowance to noncurrent loans | 255.3957% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 3,624 |
| Noncurrent loans to loans | 0.5720% | 5,910 |
| Net loans and leases to total assets | 49.5305% | 6,207 |
| Net loans and leases to deposits | 55.0626% | 6,513 |
| Net loans and leases to core deposits | 62.2971% | 6,215 |
| Total domestic deposits to total assets | 89.9530% | 1,125 |
| Equity capital to assets | 8.1679% | 6,298 |
| Core capital (leverage) ratio | 8.4154% | 5,508 |
| Tier 1 risk-based capital ratio | 13.0871% | 4,531 |
| Total risk-based capital ratio | 14.2347% | 4,580 |
| Memoranda: | ||
| Average total assets | $93,207,000 | 5,186 |
| Average earning assets | $84,235,400 | 5,207 |
| Average equity | $8,150,200 | 5,670 |
| Average total loans | $47,669,600 | 5,571 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 5,272 |
| Cost of funding earning assets | 1.1005% | 5,413 |
| Net interest margin | 3.7988% | 3,977 |
| Noninterest income to average assets | 0.7985% | 2,241 |
| Noninterest expense to average assets | 3.2533% | 2,728 |
| Loan and lease loss provision to assets | 0.6325% | 2,409 |
| Net operating income to assets | 0.3422% | 4,999 |
| Return on assets (ROA) | 0.6556% | 3,790 |
| Pretax return on assets | 0.6556% | 4,405 |
| Return on Equity (ROE) | 7.3700% | 3,170 |
| Retained earnings to average equity (ytd only) | 4.0421% | 3,636 |
| Net charge-offs to loans | 1.1018% | 1,843 |
| Credit loss provision to net charge-offs | 111.7347% | 3,787 |
| Earnings coverage of net charge-offs (x) | 1.7220% | 4,415 |
| Efficiency ratio | 76.9467% | 2,767 |
| Assets per employee ($millions) | 3.5662% | 4,813 |
| Cash dividends to net income (ytd only)* | 45.1546% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,749 |
| Loan loss allowance to noncurrent loans | 232.2581% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 1.8658% | 3,650 |
| Noncurrent loans to loans | 0.5773% | 6,054 |
| Net loans and leases to total assets | 51.4215% | 6,170 |
| Net loans and leases to deposits | 57.9249% | 6,463 |
| Net loans and leases to core deposits | 67.0473% | 6,030 |
| Total domestic deposits to total assets | 88.7726% | 1,525 |
| Equity capital to assets | 9.3108% | 5,123 |
| Core capital (leverage) ratio | 8.5440% | 5,427 |
| Tier 1 risk-based capital ratio | 13.5626% | 4,153 |
| Total risk-based capital ratio | 14.6440% | 4,242 |
| Memoranda: | ||
| Average total assets | $92,334,750 | 5,279 |
| Average earning assets | $83,357,000 | 5,294 |
| Average equity | $8,213,250 | 5,727 |
| Average total loans | $47,436,000 | 5,663 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9592% | 5,139 |
| Cost of funding earning assets | 1.1335% | 5,494 |
| Net interest margin | 3.8257% | 3,783 |
| Noninterest income to average assets | 0.8720% | 1,794 |
| Noninterest expense to average assets | 3.2275% | 2,806 |
| Loan and lease loss provision to assets | 0.7418% | 1,949 |
| Net operating income to assets | 0.3579% | 4,934 |
| Return on assets (ROA) | 0.5683% | 4,152 |
| Pretax return on assets | 0.5683% | 4,675 |
| Return on Equity (ROE) | 6.4905% | 3,550 |
| Retained earnings to average equity (ytd only) | 1.4121% | 5,169 |
| Net charge-offs to loans | 1.6632% | 1,134 |
| Credit loss provision to net charge-offs | 87.2449% | 4,510 |
| Earnings coverage of net charge-offs (x) | 1.2934% | 4,535 |
| Efficiency ratio | 74.5865% | 3,353 |
| Assets per employee ($millions) | 3.6948% | 4,486 |
| Cash dividends to net income (ytd only)* | 78.2443% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 5,686 |
| Loan loss allowance to noncurrent loans | 195.0530% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 1.7790% | 3,786 |
| Noncurrent loans to loans | 0.5903% | 6,068 |
| Net loans and leases to total assets | 49.3338% | 6,510 |
| Net loans and leases to deposits | 55.1089% | 6,791 |
| Net loans and leases to core deposits | 63.8233% | 6,413 |
| Total domestic deposits to total assets | 89.5205% | 1,169 |
| Equity capital to assets | 8.6609% | 5,931 |
| Core capital (leverage) ratio | 8.4217% | 5,540 |
| Tier 1 risk-based capital ratio | 12.4502% | 4,908 |
| Total risk-based capital ratio | 13.3162% | 5,221 |
| Memoranda: | ||
| Average total assets | $92,206,330 | 5,307 |
| Average earning assets | $83,279,330 | 5,322 |
| Average equity | $8,073,330 | 5,774 |
| Average total loans | $47,139,330 | 5,711 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 4,945 |
| Cost of funding earning assets | 1.1848% | 5,487 |
| Net interest margin | 3.8311% | 3,664 |
| Noninterest income to average assets | 0.9349% | 1,503 |
| Noninterest expense to average assets | 3.1990% | 2,868 |
| Loan and lease loss provision to assets | 0.2570% | 3,985 |
| Net operating income to assets | 0.9748% | 2,284 |
| Return on assets (ROA) | 1.2052% | 1,601 |
| Pretax return on assets | 1.2052% | 2,347 |
| Return on Equity (ROE) | 13.6855% | 1,109 |
| Retained earnings to average equity (ytd only) | 13.6855% | 540 |
| Net charge-offs to loans | 0.0171% | 5,340 |
| Credit loss provision to net charge-offs | 2,900.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 238 |
| Efficiency ratio | 72.2000% | 3,896 |
| Assets per employee ($millions) | 3.4230% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 4,562 |
| Loan loss allowance to noncurrent loans | 32.3819% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 2.1986% | 3,278 |
| Noncurrent loans to loans | 4.2404% | 1,805 |
| Net loans and leases to total assets | 51.1372% | 6,359 |
| Net loans and leases to deposits | 57.2311% | 6,678 |
| Net loans and leases to core deposits | 65.5688% | 6,322 |
| Total domestic deposits to total assets | 89.3521% | 1,329 |
| Equity capital to assets | 8.7490% | 5,655 |
| Core capital (leverage) ratio | 8.9748% | 4,611 |
| Tier 1 risk-based capital ratio | 13.1749% | 4,224 |
| Total risk-based capital ratio | 14.2386% | 4,313 |
| Memoranda: | ||
| Average total assets | $90,277,500 | 5,438 |
| Average earning assets | $82,377,500 | 5,423 |
| Average equity | $7,950,000 | 5,868 |
| Average total loans | $46,737,000 | 5,810 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 5,277 |
| Cost of funding earning assets | 1.5846% | 5,103 |
| Net interest margin | 3.6977% | 4,155 |
| Noninterest income to average assets | 0.8476% | 2,192 |
| Noninterest expense to average assets | 3.2984% | 3,011 |
| Loan and lease loss provision to assets | 0.0354% | 7,184 |
| Net operating income to assets | 0.8004% | 2,538 |
| Return on assets (ROA) | 0.9574% | 2,038 |
| Pretax return on assets | 0.9574% | 2,736 |
| Return on Equity (ROE) | 10.0536% | 1,672 |
| Retained earnings to average equity (ytd only) | 2.7892% | 3,210 |
| Net charge-offs to loans | 0.0090% | 7,105 |
| Credit loss provision to net charge-offs | 750.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 158 |
| Efficiency ratio | 79.7830% | 2,919 |
| Assets per employee ($millions) | 3.2642% | 5,577 |
| Cash dividends to net income (ytd only)* | 72.2565% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 4,637 |
| Loan loss allowance to noncurrent loans | 29.5969% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 2.3079% | 2,997 |
| Noncurrent loans to loans | 4.4650% | 1,592 |
| Net loans and leases to total assets | 51.0047% | 6,527 |
| Net loans and leases to deposits | 57.1523% | 6,839 |
| Net loans and leases to core deposits | 81.0180% | 5,995 |
| Total domestic deposits to total assets | 89.2435% | 1,365 |
| Equity capital to assets | 8.8661% | 5,330 |
| Core capital (leverage) ratio | 9.1480% | 4,201 |
| Tier 1 risk-based capital ratio | 13.4766% | 3,838 |
| Total risk-based capital ratio | 14.5064% | 3,925 |
| Memoranda: | ||
| Average total assets | $84,707,600 | 5,573 |
| Average earning assets | $75,289,200 | 5,625 |
| Average equity | $8,066,800 | 5,902 |
| Average total loans | $44,313,800 | 5,915 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4791% | 4,525 |
| Cost of funding earning assets | 1.6954% | 4,920 |
| Net interest margin | 3.7837% | 3,721 |
| Noninterest income to average assets | 0.8698% | 2,103 |
| Noninterest expense to average assets | 3.3153% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8936% | 2,443 |
| Return on assets (ROA) | 1.0606% | 1,922 |
| Pretax return on assets | 1.0606% | 2,705 |
| Return on Equity (ROE) | 10.9386% | 1,640 |
| Retained earnings to average equity (ytd only) | 7.3471% | 1,376 |
| Net charge-offs to loans | 0.0121% | 6,759 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 140.5835% | 274 |
| Efficiency ratio | 78.7684% | 3,041 |
| Assets per employee ($millions) | 3.2400% | 5,543 |
| Cash dividends to net income (ytd only)* | 32.8333% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 4,440 |
| Loan loss allowance to noncurrent loans | 235.3909% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 6,775 |
| Noncurrent loans to loans | 0.5564% | 6,200 |
| Net loans and leases to total assets | 51.1622% | 6,688 |
| Net loans and leases to deposits | 58.1021% | 6,955 |
| Net loans and leases to core deposits | 80.9340% | 6,277 |
| Total domestic deposits to total assets | 88.0556% | 1,630 |
| Equity capital to assets | 9.9240% | 4,184 |
| Core capital (leverage) ratio | 9.5224% | 3,881 |
| Tier 1 risk-based capital ratio | 14.5328% | 3,260 |
| Total risk-based capital ratio | 15.5589% | 3,325 |
| Memoranda: | ||
| Average total assets | $83,851,250 | 5,622 |
| Average earning assets | $74,000,750 | 5,719 |
| Average equity | $8,130,000 | 5,935 |
| Average total loans | $44,003,750 | 5,969 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4721% | 4,771 |
| Cost of funding earning assets | 1.8222% | 4,657 |
| Net interest margin | 3.6499% | 4,170 |
| Noninterest income to average assets | 0.8265% | 2,290 |
| Noninterest expense to average assets | 3.2966% | 2,973 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7549% | 3,021 |
| Return on assets (ROA) | 0.9173% | 2,483 |
| Pretax return on assets | 0.9173% | 3,281 |
| Return on Equity (ROE) | 9.5364% | 2,178 |
| Retained earnings to average equity (ytd only) | 4.0977% | 3,015 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3679% | 2,825 |
| Assets per employee ($millions) | 3.2302% | 5,508 |
| Cash dividends to net income (ytd only)* | 57.0313% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 4,234 |
| Loan loss allowance to noncurrent loans | 789.0411% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 7,365 |
| Noncurrent loans to loans | 0.1656% | 7,113 |
| Net loans and leases to total assets | 51.8045% | 6,707 |
| Net loans and leases to deposits | 58.3084% | 7,002 |
| Net loans and leases to core deposits | 81.5123% | 6,280 |
| Total domestic deposits to total assets | 88.8456% | 1,353 |
| Equity capital to assets | 9.1790% | 5,048 |
| Core capital (leverage) ratio | 9.1938% | 4,315 |
| Tier 1 risk-based capital ratio | 13.9545% | 3,545 |
| Total risk-based capital ratio | 14.9826% | 3,602 |
| Memoranda: | ||
| Average total assets | $83,721,670 | 5,667 |
| Average earning assets | $73,974,670 | 5,748 |
| Average equity | $8,053,330 | 6,002 |
| Average total loans | $44,114,670 | 6,023 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4307% | 5,265 |
| Cost of funding earning assets | 1.9411% | 4,426 |
| Net interest margin | 3.4896% | 4,775 |
| Noninterest income to average assets | 0.8661% | 2,007 |
| Noninterest expense to average assets | 3.1774% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7944% | 3,152 |
| Return on assets (ROA) | 1.0719% | 2,195 |
| Pretax return on assets | 1.0719% | 3,095 |
| Return on Equity (ROE) | 10.8930% | 2,002 |
| Retained earnings to average equity (ytd only) | 10.8930% | 995 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,820 |
| Assets per employee ($millions) | 3.2918% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 4,107 |
| Loan loss allowance to noncurrent loans | 811.2676% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 7,342 |
| Noncurrent loans to loans | 0.1597% | 7,071 |
| Net loans and leases to total assets | 51.2800% | 6,748 |
| Net loans and leases to deposits | 58.0611% | 7,031 |
| Net loans and leases to core deposits | 79.3552% | 6,433 |
| Total domestic deposits to total assets | 88.3207% | 1,565 |
| Equity capital to assets | 9.7912% | 4,251 |
| Core capital (leverage) ratio | 9.4484% | 4,048 |
| Tier 1 risk-based capital ratio | 13.8181% | 3,685 |
| Total risk-based capital ratio | 14.8285% | 3,740 |
| Memoranda: | ||
| Average total assets | $83,590,000 | 5,683 |
| Average earning assets | $74,392,000 | 5,758 |
| Average equity | $8,225,500 | 5,978 |
| Average total loans | $44,130,000 | 6,054 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7131% | 6,738 |
| Cost of funding earning assets | 2.0075% | 6,391 |
| Net interest margin | 3.7056% | 4,448 |
| Noninterest income to average assets | 0.8743% | 2,082 |
| Noninterest expense to average assets | 3.4036% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7857% | 3,501 |
| Return on assets (ROA) | 1.0215% | 2,353 |
| Pretax return on assets | 1.0240% | 3,293 |
| Return on Equity (ROE) | 10.3501% | 2,141 |
| Retained earnings to average equity (ytd only) | 0.8341% | 4,725 |
| Net charge-offs to loans | 0.0073% | 6,847 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 210.6667% | 227 |
| Efficiency ratio | 81.1961% | 2,411 |
| Assets per employee ($millions) | 3.0220% | 6,011 |
| Cash dividends to net income (ytd only)* | 91.9414% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 3,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.9690% | 6,752 |
| Net loans and leases to deposits | 60.0639% | 7,082 |
| Net loans and leases to core deposits | 81.1457% | 6,525 |
| Total domestic deposits to total assets | 88.1877% | 1,392 |
| Equity capital to assets | 9.8918% | 4,169 |
| Core capital (leverage) ratio | 9.6780% | 3,795 |
| Tier 1 risk-based capital ratio | 13.9065% | 3,587 |
| Total risk-based capital ratio | 14.9531% | 3,616 |
| Memoranda: | ||
| Average total assets | $80,179,000 | 5,700 |
| Average earning assets | $71,782,400 | 5,746 |
| Average equity | $7,913,000 | 6,121 |
| Average total loans | $41,152,600 | 6,115 |