Home > Tioga-Franklin Savings Bank > Performance and Condition Ratios
Tioga-Franklin Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5010% | 161 |
| Cost of funding earning assets | 3.0391% | 134 |
| Net interest margin | 4.4620% | 649 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 6.1653% | 169 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | -0.9182% | 4,533 |
| Return on assets (ROA) | -0.9046% | 4,521 |
| Pretax return on assets | -1.2491% | 4,533 |
| Return on Equity (ROE) | -10.0000% | 4,503 |
| Retained earnings to average equity (ytd only) | -10.0003% | 4,464 |
| Net charge-offs to loans | -0.0049% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 124.9345% | 71 |
| Assets per employee ($millions) | 3.3182% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1904% | 284 |
| Loan loss allowance to noncurrent loans | 28.6490% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 6.7041% | 16 |
| Noncurrent loans to loans | 7.6455% | 19 |
| Net loans and leases to total assets | 83.9300% | 274 |
| Net loans and leases to deposits | 101.7032% | 451 |
| Net loans and leases to core deposits | 135.9805% | 317 |
| Total domestic deposits to total assets | 82.5200% | 3,015 |
| Equity capital to assets | 8.0123% | 3,405 |
| Core capital (leverage) ratio | 8.1180% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2821% | 1,448 |
| Memoranda: | ||
| Average total assets | $69,647,400 | 4,115 |
| Average earning assets | $66,204,200 | 4,077 |
| Average equity | $6,299,800 | 4,131 |
| Average total loans | $61,405,000 | 3,689 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3921% | 158 |
| Cost of funding earning assets | 2.7949% | 163 |
| Net interest margin | 4.5972% | 533 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 5.8634% | 183 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | -0.5958% | 4,544 |
| Return on assets (ROA) | -0.5774% | 4,531 |
| Pretax return on assets | -0.7770% | 4,536 |
| Return on Equity (ROE) | -6.2000% | 4,511 |
| Retained earnings to average equity (ytd only) | -6.1961% | 4,447 |
| Net charge-offs to loans | -0.0044% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 114.7081% | 88 |
| Assets per employee ($millions) | 3.6696% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2140% | 288 |
| Loan loss allowance to noncurrent loans | 34.1889% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 5.6110% | 25 |
| Noncurrent loans to loans | 6.4757% | 29 |
| Net loans and leases to total assets | 82.5700% | 391 |
| Net loans and leases to deposits | 101.7958% | 439 |
| Net loans and leases to core deposits | 138.2506% | 237 |
| Total domestic deposits to total assets | 81.1100% | 3,363 |
| Equity capital to assets | 8.4178% | 2,776 |
| Core capital (leverage) ratio | 8.6350% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1542% | 1,836 |
| Memoranda: | ||
| Average total assets | $68,809,250 | 4,138 |
| Average earning assets | $65,546,000 | 4,104 |
| Average equity | $6,412,500 | 4,122 |
| Average total loans | $61,096,750 | 3,700 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8256% | 110 |
| Cost of funding earning assets | 2.4613% | 210 |
| Net interest margin | 5.3644% | 197 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 5.6925% | 182 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | -0.1255% | 4,523 |
| Return on assets (ROA) | -0.0892% | 4,497 |
| Pretax return on assets | -0.0951% | 4,487 |
| Return on Equity (ROE) | -0.9200% | 4,470 |
| Retained earnings to average equity (ytd only) | -0.9244% | 4,209 |
| Net charge-offs to loans | -0.0066% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 101.3228% | 156 |
| Assets per employee ($millions) | 3.2518% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2033% | 304 |
| Loan loss allowance to noncurrent loans | 59.0575% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 3.5409% | 47 |
| Noncurrent loans to loans | 3.7308% | 101 |
| Net loans and leases to total assets | 88.7900% | 61 |
| Net loans and leases to deposits | 112.3252% | 171 |
| Net loans and leases to core deposits | 174.6515% | 64 |
| Total domestic deposits to total assets | 79.0500% | 3,711 |
| Equity capital to assets | 9.4366% | 2,205 |
| Core capital (leverage) ratio | 9.5339% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6064% | 1,403 |
| Memoranda: | ||
| Average total assets | $67,281,667 | 4,174 |
| Average earning assets | $64,276,000 | 4,134 |
| Average equity | $6,490,667 | 4,138 |
| Average total loans | $60,805,667 | 3,712 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5099% | 79 |
| Cost of funding earning assets | 2.2867% | 159 |
| Net interest margin | 5.2232% | 216 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 5.6006% | 197 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.0640% | 4,450 |
| Return on assets (ROA) | 0.1018% | 4,405 |
| Pretax return on assets | 0.1497% | 4,381 |
| Return on Equity (ROE) | 1.0400% | 4,379 |
| Retained earnings to average equity (ytd only) | 1.0439% | 3,860 |
| Net charge-offs to loans | -0.0066% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.6908% | 211 |
| Assets per employee ($millions) | 3.0591% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2293% | 307 |
| Loan loss allowance to noncurrent loans | 74.4797% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 2.8692% | 59 |
| Noncurrent loans to loans | 2.9932% | 148 |
| Net loans and leases to total assets | 88.6200% | 57 |
| Net loans and leases to deposits | 112.8742% | 139 |
| Net loans and leases to core deposits | 157.8119% | 97 |
| Total domestic deposits to total assets | 78.5200% | 3,939 |
| Equity capital to assets | 9.6522% | 2,035 |
| Core capital (leverage) ratio | 9.6042% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8609% | 1,404 |
| Memoranda: | ||
| Average total assets | $66,779,000 | 4,236 |
| Average earning assets | $64,022,500 | 4,196 |
| Average equity | $6,514,000 | 4,184 |
| Average total loans | $60,209,500 | 3,757 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1279% | 85 |
| Cost of funding earning assets | 1.5068% | 26 |
| Net interest margin | 4.6211% | 237 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 4.1853% | 294 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.2607% | 4,406 |
| Return on assets (ROA) | 0.2723% | 4,372 |
| Pretax return on assets | 0.3538% | 4,322 |
| Return on Equity (ROE) | 2.5700% | 4,334 |
| Retained earnings to average equity (ytd only) | 2.5732% | 3,829 |
| Net charge-offs to loans | 0.0931% | 760 |
| Credit loss provision to net charge-offs | 125.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 5.5833% | 2,370 |
| Efficiency ratio | 90.5467% | 287 |
| Assets per employee ($millions) | 3.4872% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1678% | 323 |
| Loan loss allowance to noncurrent loans | 83.8542% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 2.3182% | 96 |
| Noncurrent loans to loans | 2.5852% | 178 |
| Net loans and leases to total assets | 87.7300% | 79 |
| Net loans and leases to deposits | 104.1722% | 292 |
| Net loans and leases to core deposits | 145.1517% | 114 |
| Total domestic deposits to total assets | 84.2100% | 3,158 |
| Equity capital to assets | 9.8586% | 1,784 |
| Core capital (leverage) ratio | 10.0584% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5252% | 1,229 |
| Memoranda: | ||
| Average total assets | $61,333,800 | 4,326 |
| Average earning assets | $58,665,800 | 4,279 |
| Average equity | $6,490,000 | 4,273 |
| Average total loans | $51,570,800 | 3,869 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9122% | 82 |
| Cost of funding earning assets | 1.4153% | 10 |
| Net interest margin | 4.4969% | 239 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 3.9576% | 334 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.3302% | 4,344 |
| Return on assets (ROA) | 0.3372% | 4,289 |
| Pretax return on assets | 0.4348% | 4,228 |
| Return on Equity (ROE) | 3.1300% | 4,281 |
| Retained earnings to average equity (ytd only) | 3.1277% | 3,742 |
| Net charge-offs to loans | 0.1344% | 481 |
| Credit loss provision to net charge-offs | 90.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 4.7400% | 2,165 |
| Efficiency ratio | 88.2731% | 380 |
| Assets per employee ($millions) | 3.7299% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2831% | 299 |
| Loan loss allowance to noncurrent loans | 91.5047% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 2.1905% | 110 |
| Noncurrent loans to loans | 2.4951% | 212 |
| Net loans and leases to total assets | 85.7900% | 134 |
| Net loans and leases to deposits | 102.7929% | 273 |
| Net loans and leases to core deposits | 138.8661% | 102 |
| Total domestic deposits to total assets | 83.4600% | 3,614 |
| Equity capital to assets | 10.2793% | 1,474 |
| Core capital (leverage) ratio | 10.4430% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2246% | 961 |
| Memoranda: | ||
| Average total assets | $60,103,000 | 4,372 |
| Average earning assets | $57,371,000 | 4,327 |
| Average equity | $6,479,500 | 4,319 |
| Average total loans | $49,610,000 | 3,917 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9876% | 73 |
| Cost of funding earning assets | 1.2780% | 11 |
| Net interest margin | 4.7096% | 149 |
| Noninterest income to average assets | 0.1763% | 4,122 |
| Noninterest expense to average assets | 3.9999% | 284 |
| Loan and lease loss provision to assets | 0.1017% | 981 |
| Net operating income to assets | 0.4414% | 4,024 |
| Return on assets (ROA) | 0.4441% | 3,967 |
| Pretax return on assets | 0.5627% | 3,892 |
| Return on Equity (ROE) | 4.0515% | 4,023 |
| Retained earnings to average equity (ytd only) | 4.0515% | 3,062 |
| Net charge-offs to loans | 0.2101% | 307 |
| Credit loss provision to net charge-offs | 60.0000% | 1,456 |
| Earnings coverage of net charge-offs (x) | 3.9000% | 1,980 |
| Efficiency ratio | 85.8182% | 584 |
| Assets per employee ($millions) | 4.1352% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6551% | 204 |
| Loan loss allowance to noncurrent loans | 234.7664% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 537 |
| Noncurrent loans to loans | 1.1310% | 720 |
| Net loans and leases to total assets | 79.5416% | 441 |
| Net loans and leases to deposits | 98.1876% | 336 |
| Net loans and leases to core deposits | 122.1232% | 180 |
| Total domestic deposits to total assets | 81.0098% | 4,132 |
| Equity capital to assets | 11.2311% | 1,120 |
| Core capital (leverage) ratio | 11.3217% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3035% | 809 |
| Memoranda: | ||
| Average total assets | $59,001,000 | 4,425 |
| Average earning assets | $56,183,000 | 4,399 |
| Average equity | $6,466,667 | 4,372 |
| Average total loans | $47,590,333 | 4,001 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0524% | 68 |
| Cost of funding earning assets | 1.2586% | 10 |
| Net interest margin | 4.7938% | 121 |
| Noninterest income to average assets | 0.1612% | 4,189 |
| Noninterest expense to average assets | 3.4926% | 418 |
| Loan and lease loss provision to assets | 0.1007% | 829 |
| Net operating income to assets | 0.9147% | 2,229 |
| Return on assets (ROA) | 0.9202% | 2,194 |
| Pretax return on assets | 1.1284% | 2,055 |
| Return on Equity (ROE) | 8.4974% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.4974% | 1,425 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0741% | 1,735 |
| Assets per employee ($millions) | 4.3147% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6813% | 230 |
| Loan loss allowance to noncurrent loans | 156.6748% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.3641% | 285 |
| Noncurrent loans to loans | 1.7114% | 457 |
| Net loans and leases to total assets | 77.5701% | 408 |
| Net loans and leases to deposits | 97.8266% | 235 |
| Net loans and leases to core deposits | 119.1956% | 153 |
| Total domestic deposits to total assets | 79.2934% | 4,332 |
| Equity capital to assets | 10.7870% | 1,452 |
| Core capital (leverage) ratio | 11.3430% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7453% | 795 |
| Memoranda: | ||
| Average total assets | $59,555,000 | 4,445 |
| Average earning assets | $56,573,000 | 4,417 |
| Average equity | $6,449,000 | 4,419 |
| Average total loans | $47,733,000 | 4,014 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9479% | 42 |
| Cost of funding earning assets | 1.1916% | 32 |
| Net interest margin | 5.7563% | 66 |
| Noninterest income to average assets | 0.3851% | 3,132 |
| Noninterest expense to average assets | 3.6089% | 427 |
| Loan and lease loss provision to assets | 0.0816% | 1,500 |
| Net operating income to assets | 1.5924% | 831 |
| Return on assets (ROA) | 1.5935% | 860 |
| Pretax return on assets | 2.2113% | 400 |
| Return on Equity (ROE) | 20.2841% | 297 |
| Retained earnings to average equity (ytd only) | 20.2841% | 58 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1624% | 2,976 |
| Assets per employee ($millions) | 4.1931% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6966% | 216 |
| Loan loss allowance to noncurrent loans | 131.0062% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.6592% | 237 |
| Noncurrent loans to loans | 2.0584% | 381 |
| Net loans and leases to total assets | 78.4308% | 354 |
| Net loans and leases to deposits | 102.8917% | 145 |
| Net loans and leases to core deposits | 118.0443% | 178 |
| Total domestic deposits to total assets | 76.2265% | 4,498 |
| Equity capital to assets | 10.8715% | 1,883 |
| Core capital (leverage) ratio | 11.1662% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2422% | 728 |
| Memoranda: | ||
| Average total assets | $73,485,800 | 4,302 |
| Average earning assets | $70,410,200 | 4,254 |
| Average equity | $5,773,000 | 4,551 |
| Average total loans | $62,578,200 | 3,777 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1381% | 39 |
| Cost of funding earning assets | 1.1888% | 36 |
| Net interest margin | 5.9493% | 59 |
| Noninterest income to average assets | 0.4457% | 2,857 |
| Noninterest expense to average assets | 3.4463% | 499 |
| Loan and lease loss provision to assets | 0.0777% | 1,514 |
| Net operating income to assets | 1.9006% | 558 |
| Return on assets (ROA) | 1.9020% | 578 |
| Pretax return on assets | 2.6379% | 273 |
| Return on Equity (ROE) | 26.1169% | 150 |
| Retained earnings to average equity (ytd only) | 26.1169% | 44 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9450% | 3,539 |
| Assets per employee ($millions) | 4.2101% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5242% | 278 |
| Loan loss allowance to noncurrent loans | 65.6771% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 3.0403% | 82 |
| Noncurrent loans to loans | 3.8433% | 140 |
| Net loans and leases to total assets | 77.1104% | 469 |
| Net loans and leases to deposits | 107.9734% | 115 |
| Net loans and leases to core deposits | 126.1358% | 143 |
| Total domestic deposits to total assets | 71.4161% | 4,701 |
| Equity capital to assets | 9.9951% | 2,906 |
| Core capital (leverage) ratio | 10.2547% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5009% | 881 |
| Memoranda: | ||
| Average total assets | $77,181,250 | 4,314 |
| Average earning assets | $74,135,250 | 4,257 |
| Average equity | $5,620,750 | 4,636 |
| Average total loans | $66,393,250 | 3,771 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 156 |
| Cost of funding earning assets | 1.1640% | 52 |
| Net interest margin | 4.4020% | 411 |
| Noninterest income to average assets | 0.5619% | 2,367 |
| Noninterest expense to average assets | 3.3888% | 545 |
| Loan and lease loss provision to assets | 0.0733% | 1,607 |
| Net operating income to assets | 0.9534% | 3,053 |
| Return on assets (ROA) | 0.9553% | 3,131 |
| Pretax return on assets | 1.3340% | 2,542 |
| Return on Equity (ROE) | 14.5075% | 1,282 |
| Retained earnings to average equity (ytd only) | 14.5075% | 488 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6932% | 1,560 |
| Assets per employee ($millions) | 4.9577% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 697 |
| Loan loss allowance to noncurrent loans | 60.4854% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 2.7701% | 109 |
| Noncurrent loans to loans | 3.1936% | 216 |
| Net loans and leases to total assets | 85.0644% | 103 |
| Net loans and leases to deposits | 130.4928% | 34 |
| Net loans and leases to core deposits | 155.4886% | 59 |
| Total domestic deposits to total assets | 65.1870% | 4,831 |
| Equity capital to assets | 7.5357% | 4,725 |
| Core capital (leverage) ratio | 8.4631% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0608% | 1,326 |
| Memoranda: | ||
| Average total assets | $81,858,000 | 4,266 |
| Average earning assets | $78,692,000 | 4,223 |
| Average equity | $5,390,333 | 4,685 |
| Average total loans | $71,872,000 | 3,692 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 267 |
| Cost of funding earning assets | 1.1051% | 83 |
| Net interest margin | 4.1149% | 708 |
| Noninterest income to average assets | 0.1449% | 4,481 |
| Noninterest expense to average assets | 3.1027% | 835 |
| Loan and lease loss provision to assets | 0.0701% | 1,759 |
| Net operating income to assets | 0.6495% | 3,811 |
| Return on assets (ROA) | 0.6495% | 3,885 |
| Pretax return on assets | 0.9392% | 3,517 |
| Return on Equity (ROE) | 10.5233% | 2,522 |
| Retained earnings to average equity (ytd only) | 10.5233% | 1,509 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4545% | 1,189 |
| Assets per employee ($millions) | 5.9613% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 1,563 |
| Loan loss allowance to noncurrent loans | 54.3728% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 2.5319% | 157 |
| Noncurrent loans to loans | 2.7809% | 300 |
| Net loans and leases to total assets | 89.6689% | 24 |
| Net loans and leases to deposits | 155.1850% | 18 |
| Net loans and leases to core deposits | 185.8451% | 46 |
| Total domestic deposits to total assets | 57.7819% | 4,897 |
| Equity capital to assets | 5.9864% | 4,943 |
| Core capital (leverage) ratio | 9.5587% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9752% | 1,074 |
| Memoranda: | ||
| Average total assets | $85,604,000 | 4,237 |
| Average earning assets | $82,528,500 | 4,187 |
| Average equity | $5,283,500 | 4,721 |
| Average total loans | $75,555,500 | 3,641 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 302 |
| Cost of funding earning assets | 1.3755% | 137 |
| Net interest margin | 3.8765% | 1,286 |
| Noninterest income to average assets | 0.1507% | 4,540 |
| Noninterest expense to average assets | 2.8708% | 1,757 |
| Loan and lease loss provision to assets | 0.5048% | 481 |
| Net operating income to assets | 0.3763% | 4,292 |
| Return on assets (ROA) | 0.3796% | 4,366 |
| Pretax return on assets | 0.5261% | 4,224 |
| Return on Equity (ROE) | 5.3526% | 3,794 |
| Retained earnings to average equity (ytd only) | 5.3526% | 2,117 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6592% | 1,490 |
| Assets per employee ($millions) | 5.4526% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 957 |
| Loan loss allowance to noncurrent loans | 132.7511% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 811 |
| Noncurrent loans to loans | 1.3142% | 1,037 |
| Net loans and leases to total assets | 83.7313% | 189 |
| Net loans and leases to deposits | 149.6569% | 20 |
| Net loans and leases to core deposits | 188.9343% | 47 |
| Total domestic deposits to total assets | 55.9488% | 4,932 |
| Equity capital to assets | 6.3749% | 4,966 |
| Core capital (leverage) ratio | 9.2865% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0608% | 1,505 |
| Memoranda: | ||
| Average total assets | $70,328,400 | 4,382 |
| Average earning assets | $67,974,000 | 4,323 |
| Average equity | $4,988,200 | 4,754 |
| Average total loans | $62,101,400 | 3,882 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 591 |
| Cost of funding earning assets | 1.4120% | 163 |
| Net interest margin | 3.5984% | 2,278 |
| Noninterest income to average assets | 0.1304% | 4,638 |
| Noninterest expense to average assets | 2.9270% | 1,627 |
| Loan and lease loss provision to assets | 0.6715% | 337 |
| Net operating income to assets | 0.0052% | 4,770 |
| Return on assets (ROA) | 0.0099% | 4,785 |
| Pretax return on assets | 0.0178% | 4,774 |
| Return on Equity (ROE) | 0.1352% | 4,780 |
| Retained earnings to average equity (ytd only) | 0.1352% | 4,457 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0619% | 791 |
| Assets per employee ($millions) | 7.3427% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,326 |
| Loan loss allowance to noncurrent loans | 148.2716% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 1,241 |
| Noncurrent loans to loans | 1.0253% | 1,459 |
| Net loans and leases to total assets | 88.2956% | 72 |
| Net loans and leases to deposits | 170.6642% | 13 |
| Net loans and leases to core deposits | 215.5933% | 32 |
| Total domestic deposits to total assets | 51.7364% | 4,970 |
| Equity capital to assets | 5.6247% | 5,013 |
| Core capital (leverage) ratio | 8.6447% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5826% | 1,625 |
| Memoranda: | ||
| Average total assets | $67,463,250 | 4,432 |
| Average earning assets | $65,249,000 | 4,384 |
| Average equity | $4,931,750 | 4,789 |
| Average total loans | $60,202,000 | 3,940 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 674 |
| Cost of funding earning assets | 1.5170% | 159 |
| Net interest margin | 3.5956% | 2,500 |
| Noninterest income to average assets | 0.1354% | 4,625 |
| Noninterest expense to average assets | 3.0274% | 1,512 |
| Loan and lease loss provision to assets | 1.0730% | 183 |
| Net operating income to assets | -0.3420% | 4,889 |
| Return on assets (ROA) | -0.3367% | 4,886 |
| Pretax return on assets | -0.4919% | 4,899 |
| Return on Equity (ROE) | -4.1433% | 4,918 |
| Retained earnings to average equity (ytd only) | -4.1433% | 4,736 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0513% | 632 |
| Assets per employee ($millions) | 8.1347% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,284 |
| Loan loss allowance to noncurrent loans | 39,533.3333% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,582 |
| Noncurrent loans to loans | 0.0038% | 4,508 |
| Net loans and leases to total assets | 87.4153% | 80 |
| Net loans and leases to deposits | 166.3675% | 14 |
| Net loans and leases to core deposits | 206.5895% | 36 |
| Total domestic deposits to total assets | 52.5435% | 5,001 |
| Equity capital to assets | 5.4290% | 5,051 |
| Core capital (leverage) ratio | 8.9129% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1646% | 1,454 |
| Memoranda: | ||
| Average total assets | $60,580,333 | 4,533 |
| Average earning assets | $58,404,333 | 4,486 |
| Average equity | $4,923,667 | 4,812 |
| Average total loans | $53,936,000 | 4,060 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1233% | 142 |
| Cost of funding earning assets | 1.8533% | 61 |
| Net interest margin | 4.2700% | 808 |
| Noninterest income to average assets | 0.1301% | 4,718 |
| Noninterest expense to average assets | 3.7460% | 667 |
| Loan and lease loss provision to assets | 0.1301% | 2,091 |
| Net operating income to assets | 0.2255% | 4,485 |
| Return on assets (ROA) | 0.2255% | 4,505 |
| Pretax return on assets | 0.3295% | 4,404 |
| Return on Equity (ROE) | 2.0983% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.0983% | 3,411 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0722% | 531 |
| Assets per employee ($millions) | 4.3957% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9939% | 505 |
| Loan loss allowance to noncurrent loans | 5,840.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 4,465 |
| Noncurrent loans to loans | 0.0341% | 4,424 |
| Net loans and leases to total assets | 89.0493% | 50 |
| Net loans and leases to deposits | 127.9052% | 42 |
| Net loans and leases to core deposits | 176.7933% | 55 |
| Total domestic deposits to total assets | 69.6213% | 4,866 |
| Equity capital to assets | 10.2600% | 3,548 |
| Core capital (leverage) ratio | 11.1238% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5928% | 1,720 |
| Memoranda: | ||
| Average total assets | $46,129,500 | 4,765 |
| Average earning assets | $44,028,500 | 4,737 |
| Average equity | $4,956,500 | 4,840 |
| Average total loans | $41,200,500 | 4,345 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1463% | 182 |
| Cost of funding earning assets | 1.8109% | 135 |
| Net interest margin | 4.3354% | 1,024 |
| Noninterest income to average assets | 0.4028% | 3,280 |
| Noninterest expense to average assets | 4.1327% | 456 |
| Loan and lease loss provision to assets | 0.2794% | 626 |
| Net operating income to assets | 0.1094% | 4,920 |
| Return on assets (ROA) | 0.1094% | 4,939 |
| Pretax return on assets | 0.1490% | 4,920 |
| Return on Equity (ROE) | 0.9568% | 4,917 |
| Retained earnings to average equity (ytd only) | 0.9568% | 4,394 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6075% | 331 |
| Assets per employee ($millions) | 4.3906% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2383% | 318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 85.6512% | 186 |
| Net loans and leases to deposits | 112.8496% | 143 |
| Net loans and leases to core deposits | 154.9166% | 101 |
| Total domestic deposits to total assets | 75.8985% | 4,609 |
| Equity capital to assets | 11.2786% | 2,734 |
| Core capital (leverage) ratio | 11.1271% | 2,393 |
| Tier 1 risk-based capital ratio | 17.3298% | 1,952 |
| Total risk-based capital ratio | 18.6010% | 1,891 |
| Memoranda: | ||
| Average total assets | $42,950,400 | 4,855 |
| Average earning assets | $41,195,600 | 4,826 |
| Average equity | $4,912,400 | 4,891 |
| Average total loans | $37,681,200 | 4,460 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0184% | 232 |
| Cost of funding earning assets | 1.7558% | 168 |
| Net interest margin | 4.2626% | 1,245 |
| Noninterest income to average assets | 0.3059% | 3,913 |
| Noninterest expense to average assets | 4.0675% | 492 |
| Loan and lease loss provision to assets | 0.2810% | 536 |
| Net operating income to assets | 0.0343% | 5,052 |
| Return on assets (ROA) | 0.0343% | 5,065 |
| Pretax return on assets | 0.0500% | 5,059 |
| Return on Equity (ROE) | 0.2992% | 5,068 |
| Retained earnings to average equity (ytd only) | 0.2992% | 4,708 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4769% | 259 |
| Assets per employee ($millions) | 4.5305% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2047% | 330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.3619% | 653 |
| Net loans and leases to deposits | 107.2351% | 285 |
| Net loans and leases to core deposits | 145.5001% | 145 |
| Total domestic deposits to total assets | 75.8724% | 4,662 |
| Equity capital to assets | 10.8553% | 3,243 |
| Core capital (leverage) ratio | 11.1187% | 2,544 |
| Tier 1 risk-based capital ratio | 17.8068% | 1,877 |
| Total risk-based capital ratio | 19.0753% | 1,813 |
| Memoranda: | ||
| Average total assets | $42,711,500 | 4,927 |
| Average earning assets | $41,006,750 | 4,898 |
| Average equity | $4,902,500 | 4,960 |
| Average total loans | $37,484,750 | 4,524 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9240% | 272 |
| Cost of funding earning assets | 1.7046% | 177 |
| Net interest margin | 4.2194% | 1,315 |
| Noninterest income to average assets | 0.1243% | 4,950 |
| Noninterest expense to average assets | 4.2010% | 412 |
| Loan and lease loss provision to assets | 0.2868% | 500 |
| Net operating income to assets | -0.2198% | 5,151 |
| Return on assets (ROA) | -0.2198% | 5,159 |
| Pretax return on assets | -0.3059% | 5,167 |
| Return on Equity (ROE) | -1.8786% | 5,158 |
| Retained earnings to average equity (ytd only) | -1.8786% | 4,900 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4571% | 158 |
| Assets per employee ($millions) | 4.3704% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0844% | 407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 86.0974% | 207 |
| Net loans and leases to deposits | 118.2304% | 103 |
| Net loans and leases to core deposits | 163.3798% | 87 |
| Total domestic deposits to total assets | 72.8217% | 4,918 |
| Equity capital to assets | 11.1248% | 2,927 |
| Core capital (leverage) ratio | 11.3678% | 2,277 |
| Tier 1 risk-based capital ratio | 17.4355% | 1,957 |
| Total risk-based capital ratio | 18.7030% | 1,913 |
| Memoranda: | ||
| Average total assets | $41,847,000 | 4,979 |
| Average earning assets | $40,243,000 | 4,950 |
| Average equity | $4,897,330 | 4,999 |
| Average total loans | $37,415,670 | 4,560 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9336% | 245 |
| Cost of funding earning assets | 1.6358% | 202 |
| Net interest margin | 4.2978% | 1,094 |
| Noninterest income to average assets | 0.1173% | 5,022 |
| Noninterest expense to average assets | 3.7734% | 674 |
| Loan and lease loss provision to assets | 0.2933% | 447 |
| Net operating income to assets | 0.1271% | 5,076 |
| Return on assets (ROA) | 0.1271% | 5,081 |
| Pretax return on assets | 0.1857% | 5,043 |
| Return on Equity (ROE) | 1.0580% | 5,062 |
| Retained earnings to average equity (ytd only) | 1.0580% | 4,298 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7356% | 448 |
| Assets per employee ($millions) | 4.0777% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0701% | 436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 89.4450% | 60 |
| Net loans and leases to deposits | 122.4707% | 70 |
| Net loans and leases to core deposits | 170.5302% | 63 |
| Total domestic deposits to total assets | 73.0338% | 4,995 |
| Equity capital to assets | 12.0681% | 1,980 |
| Core capital (leverage) ratio | 11.8256% | 1,887 |
| Tier 1 risk-based capital ratio | 18.8384% | 1,579 |
| Total risk-based capital ratio | 20.1069% | 1,538 |
| Memoranda: | ||
| Average total assets | $40,918,500 | 5,045 |
| Average earning assets | $39,369,000 | 5,014 |
| Average equity | $4,915,000 | 5,040 |
| Average total loans | $36,909,000 | 4,622 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 379 |
| Cost of funding earning assets | 1.3922% | 148 |
| Net interest margin | 4.1279% | 1,597 |
| Noninterest income to average assets | 0.7340% | 1,716 |
| Noninterest expense to average assets | 3.7273% | 745 |
| Loan and lease loss provision to assets | 0.2986% | 542 |
| Net operating income to assets | 0.3558% | 4,932 |
| Return on assets (ROA) | 0.3558% | 4,929 |
| Pretax return on assets | 0.7066% | 4,398 |
| Return on Equity (ROE) | 2.9688% | 4,901 |
| Retained earnings to average equity (ytd only) | 2.9688% | 3,915 |
| Net charge-offs to loans | 0.0288% | 2,824 |
| Credit loss provision to net charge-offs | 1,200.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 40.4000% | 1,292 |
| Efficiency ratio | 78.7592% | 1,060 |
| Assets per employee ($millions) | 4.5622% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0260% | 452 |
| Loan loss allowance to noncurrent loans | 344.6512% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 2,235 |
| Noncurrent loans to loans | 0.5878% | 2,529 |
| Net loans and leases to total assets | 87.2698% | 152 |
| Net loans and leases to deposits | 117.5778% | 126 |
| Net loans and leases to core deposits | 162.2284% | 84 |
| Total domestic deposits to total assets | 74.2231% | 4,935 |
| Equity capital to assets | 11.9557% | 1,930 |
| Core capital (leverage) ratio | 12.0790% | 1,680 |
| Tier 1 risk-based capital ratio | 18.9604% | 1,524 |
| Total risk-based capital ratio | 20.2289% | 1,485 |
| Memoranda: | ||
| Average total assets | $40,190,000 | 5,098 |
| Average earning assets | $38,930,600 | 5,056 |
| Average equity | $4,816,800 | 5,075 |
| Average total loans | $34,711,400 | 4,698 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4558% | 397 |
| Cost of funding earning assets | 1.3665% | 116 |
| Net interest margin | 4.0893% | 1,660 |
| Noninterest income to average assets | 0.5670% | 2,487 |
| Noninterest expense to average assets | 3.6324% | 817 |
| Loan and lease loss provision to assets | 0.3002% | 491 |
| Net operating income to assets | 0.2268% | 5,182 |
| Return on assets (ROA) | 0.2268% | 5,176 |
| Pretax return on assets | 0.5971% | 4,735 |
| Return on Equity (ROE) | 1.8912% | 5,145 |
| Retained earnings to average equity (ytd only) | 1.8912% | 4,615 |
| Net charge-offs to loans | 0.0389% | 2,302 |
| Credit loss provision to net charge-offs | 900.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 26.9062% | 1,724 |
| Efficiency ratio | 80.1915% | 927 |
| Assets per employee ($millions) | 5.1804% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9652% | 517 |
| Loan loss allowance to noncurrent loans | 275.5814% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 2,111 |
| Noncurrent loans to loans | 0.7131% | 2,295 |
| Net loans and leases to total assets | 85.5826% | 303 |
| Net loans and leases to deposits | 113.5776% | 194 |
| Net loans and leases to core deposits | 127.4635% | 381 |
| Total domestic deposits to total assets | 75.3517% | 4,851 |
| Equity capital to assets | 11.6666% | 2,136 |
| Core capital (leverage) ratio | 12.0403% | 1,759 |
| Tier 1 risk-based capital ratio | 19.1463% | 1,501 |
| Total risk-based capital ratio | 20.4153% | 1,467 |
| Memoranda: | ||
| Average total assets | $39,972,500 | 5,165 |
| Average earning assets | $38,734,250 | 5,125 |
| Average equity | $4,793,750 | 5,140 |
| Average total loans | $34,245,750 | 4,762 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2847% | 485 |
| Cost of funding earning assets | 1.3277% | 100 |
| Net interest margin | 3.9570% | 2,011 |
| Noninterest income to average assets | 0.6180% | 2,236 |
| Noninterest expense to average assets | 3.6269% | 843 |
| Loan and lease loss provision to assets | 0.3039% | 460 |
| Net operating income to assets | 0.0962% | 5,293 |
| Return on assets (ROA) | 0.0962% | 5,287 |
| Pretax return on assets | 0.5218% | 4,864 |
| Return on Equity (ROE) | 0.7950% | 5,289 |
| Retained earnings to average equity (ytd only) | 0.7950% | 4,808 |
| Net charge-offs to loans | 0.0595% | 1,756 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 16.3000% | 2,002 |
| Efficiency ratio | 81.4562% | 880 |
| Assets per employee ($millions) | 4.9860% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9692% | 543 |
| Loan loss allowance to noncurrent loans | 171.5365% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 1,382 |
| Noncurrent loans to loans | 1.1480% | 1,524 |
| Net loans and leases to total assets | 84.9930% | 353 |
| Net loans and leases to deposits | 109.4460% | 297 |
| Net loans and leases to core deposits | 120.7250% | 549 |
| Total domestic deposits to total assets | 77.6574% | 4,641 |
| Equity capital to assets | 12.0086% | 1,851 |
| Core capital (leverage) ratio | 12.2298% | 1,585 |
| Tier 1 risk-based capital ratio | 20.0446% | 1,310 |
| Total risk-based capital ratio | 21.3111% | 1,280 |
| Memoranda: | ||
| Average total assets | $39,482,330 | 5,225 |
| Average earning assets | $38,261,670 | 5,192 |
| Average equity | $4,780,000 | 5,195 |
| Average total loans | $33,601,330 | 4,819 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 546 |
| Cost of funding earning assets | 1.2936% | 87 |
| Net interest margin | 3.8494% | 2,231 |
| Noninterest income to average assets | 0.7332% | 1,690 |
| Noninterest expense to average assets | 3.4929% | 1,015 |
| Loan and lease loss provision to assets | 0.3055% | 422 |
| Net operating income to assets | -0.0917% | 5,417 |
| Return on assets (ROA) | -0.0917% | 5,411 |
| Pretax return on assets | 0.6619% | 4,541 |
| Return on Equity (ROE) | -0.7539% | 5,412 |
| Retained earnings to average equity (ytd only) | -0.7539% | 4,890 |
| Net charge-offs to loans | 0.1208% | 1,060 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,961 |
| Efficiency ratio | 78.3105% | 1,322 |
| Assets per employee ($millions) | 4.8036% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 580 |
| Loan loss allowance to noncurrent loans | 608.4112% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 2,643 |
| Noncurrent loans to loans | 0.3238% | 3,606 |
| Net loans and leases to total assets | 84.3061% | 406 |
| Net loans and leases to deposits | 109.6231% | 269 |
| Net loans and leases to core deposits | 149.4028% | 131 |
| Total domestic deposits to total assets | 76.9055% | 4,866 |
| Equity capital to assets | 12.4047% | 1,545 |
| Core capital (leverage) ratio | 11.9993% | 1,654 |
| Tier 1 risk-based capital ratio | 21.0592% | 1,198 |
| Total risk-based capital ratio | 22.3265% | 1,164 |
| Memoranda: | ||
| Average total assets | $39,279,500 | 5,288 |
| Average earning assets | $38,032,000 | 5,256 |
| Average equity | $4,775,000 | 5,252 |
| Average total loans | $33,110,500 | 4,888 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 455 |
| Cost of funding earning assets | 1.2675% | 56 |
| Net interest margin | 3.9220% | 2,024 |
| Noninterest income to average assets | 0.6431% | 2,237 |
| Noninterest expense to average assets | 3.6960% | 797 |
| Loan and lease loss provision to assets | 0.1706% | 1,286 |
| Net operating income to assets | 0.3964% | 4,707 |
| Return on assets (ROA) | 0.3964% | 4,719 |
| Pretax return on assets | 0.5696% | 4,808 |
| Return on Equity (ROE) | 3.2117% | 4,773 |
| Retained earnings to average equity (ytd only) | 3.2117% | 3,382 |
| Net charge-offs to loans | 0.2030% | 1,271 |
| Credit loss provision to net charge-offs | 98.4848% | 2,637 |
| Earnings coverage of net charge-offs (x) | 4.2727% | 3,489 |
| Efficiency ratio | 83.3136% | 827 |
| Assets per employee ($millions) | 5.7329% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 648 |
| Loan loss allowance to noncurrent loans | 142.4379% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.2185% | 1,205 |
| Noncurrent loans to loans | 1.3355% | 1,304 |
| Net loans and leases to total assets | 81.0890% | 820 |
| Net loans and leases to deposits | 104.8289% | 454 |
| Net loans and leases to core deposits | 145.4216% | 157 |
| Total domestic deposits to total assets | 77.3536% | 4,817 |
| Equity capital to assets | 11.9188% | 1,894 |
| Core capital (leverage) ratio | 12.0886% | 1,557 |
| Tier 1 risk-based capital ratio | 21.3736% | 1,085 |
| Total risk-based capital ratio | 22.6390% | 1,062 |
| Memoranda: | ||
| Average total assets | $38,095,200 | 5,359 |
| Average earning assets | $36,843,800 | 5,322 |
| Average equity | $4,701,600 | 5,317 |
| Average total loans | $32,519,200 | 4,948 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1157% | 489 |
| Cost of funding earning assets | 1.2367% | 58 |
| Net interest margin | 3.8790% | 2,113 |
| Noninterest income to average assets | 0.4540% | 3,313 |
| Noninterest expense to average assets | 3.5047% | 988 |
| Loan and lease loss provision to assets | 0.1596% | 1,290 |
| Net operating income to assets | 0.3405% | 5,136 |
| Return on assets (ROA) | 0.3405% | 5,161 |
| Pretax return on assets | 0.5392% | 4,951 |
| Return on Equity (ROE) | 2.7343% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.7343% | 4,267 |
| Net charge-offs to loans | 0.2720% | 794 |
| Credit loss provision to net charge-offs | 68.1818% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.9848% | 3,395 |
| Efficiency ratio | 83.3755% | 808 |
| Assets per employee ($millions) | 5.4024% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8918% | 712 |
| Loan loss allowance to noncurrent loans | 122.6908% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 2.0255% | 633 |
| Noncurrent loans to loans | 1.5419% | 1,210 |
| Net loans and leases to total assets | 83.7904% | 456 |
| Net loans and leases to deposits | 106.4894% | 392 |
| Net loans and leases to core deposits | 154.2172% | 101 |
| Total domestic deposits to total assets | 78.6842% | 4,596 |
| Equity capital to assets | 12.5129% | 1,655 |
| Core capital (leverage) ratio | 11.9226% | 1,743 |
| Tier 1 risk-based capital ratio | 21.6959% | 1,082 |
| Total risk-based capital ratio | 22.9634% | 1,059 |
| Memoranda: | ||
| Average total assets | $37,586,500 | 5,429 |
| Average earning assets | $36,331,750 | 5,384 |
| Average equity | $4,681,250 | 5,381 |
| Average total loans | $32,356,000 | 5,001 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 656 |
| Cost of funding earning assets | 1.1849% | 63 |
| Net interest margin | 3.7422% | 2,507 |
| Noninterest income to average assets | 0.6718% | 2,117 |
| Noninterest expense to average assets | 3.6097% | 860 |
| Loan and lease loss provision to assets | 0.1600% | 1,247 |
| Net operating income to assets | 0.2933% | 5,242 |
| Return on assets (ROA) | 0.2933% | 5,256 |
| Pretax return on assets | 0.5225% | 4,966 |
| Return on Equity (ROE) | 2.3583% | 5,265 |
| Retained earnings to average equity (ytd only) | 2.3583% | 4,268 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0994% | 833 |
| Assets per employee ($millions) | 5.5251% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0344% | 568 |
| Loan loss allowance to noncurrent loans | 98.2196% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.9650% | 659 |
| Noncurrent loans to loans | 2.0713% | 802 |
| Net loans and leases to total assets | 82.4232% | 615 |
| Net loans and leases to deposits | 111.7585% | 233 |
| Net loans and leases to core deposits | 155.4873% | 101 |
| Total domestic deposits to total assets | 73.7512% | 5,315 |
| Equity capital to assets | 12.1212% | 1,850 |
| Core capital (leverage) ratio | 12.1559% | 1,551 |
| Tier 1 risk-based capital ratio | 21.6249% | 1,097 |
| Total risk-based capital ratio | 22.8945% | 1,071 |
| Memoranda: | ||
| Average total assets | $37,509,670 | 5,473 |
| Average earning assets | $36,289,000 | 5,426 |
| Average equity | $4,664,330 | 5,421 |
| Average total loans | $32,375,330 | 5,027 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 416 |
| Cost of funding earning assets | 1.1536% | 71 |
| Net interest margin | 3.9872% | 1,500 |
| Noninterest income to average assets | -0.0433% | 5,831 |
| Noninterest expense to average assets | 3.0547% | 2,000 |
| Loan and lease loss provision to assets | 0.1625% | 1,107 |
| Net operating income to assets | 0.3900% | 4,969 |
| Return on assets (ROA) | 0.3900% | 4,999 |
| Pretax return on assets | 0.5958% | 4,745 |
| Return on Equity (ROE) | 3.0951% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.0951% | 3,865 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1136% | 1,369 |
| Assets per employee ($millions) | 5.3083% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9759% | 699 |
| Loan loss allowance to noncurrent loans | 108.9226% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.8300% | 764 |
| Noncurrent loans to loans | 1.8141% | 1,032 |
| Net loans and leases to total assets | 86.3798% | 194 |
| Net loans and leases to deposits | 112.4672% | 166 |
| Net loans and leases to core deposits | 157.1918% | 86 |
| Total domestic deposits to total assets | 76.8045% | 5,141 |
| Equity capital to assets | 12.5653% | 1,489 |
| Core capital (leverage) ratio | 12.5956% | 1,290 |
| Tier 1 risk-based capital ratio | 22.2020% | 1,065 |
| Total risk-based capital ratio | 23.4727% | 1,043 |
| Memoranda: | ||
| Average total assets | $36,926,500 | 5,546 |
| Average earning assets | $35,714,500 | 5,497 |
| Average equity | $4,652,500 | 5,482 |
| Average total loans | $32,293,000 | 5,079 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 720 |
| Cost of funding earning assets | 1.1202% | 85 |
| Net interest margin | 3.7950% | 2,335 |
| Noninterest income to average assets | 1.2196% | 767 |
| Noninterest expense to average assets | 3.0548% | 2,163 |
| Loan and lease loss provision to assets | 0.2139% | 1,049 |
| Net operating income to assets | 1.0173% | 2,277 |
| Return on assets (ROA) | 1.0173% | 2,378 |
| Pretax return on assets | 1.6126% | 1,243 |
| Return on Equity (ROE) | 7.8575% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.8575% | 901 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5814% | 4,163 |
| Assets per employee ($millions) | 6.1158% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9848% | 676 |
| Loan loss allowance to noncurrent loans | 221.7544% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 1,521 |
| Noncurrent loans to loans | 0.8950% | 2,307 |
| Net loans and leases to total assets | 85.0525% | 300 |
| Net loans and leases to deposits | 107.9371% | 276 |
| Net loans and leases to core deposits | 148.3224% | 123 |
| Total domestic deposits to total assets | 78.7982% | 4,838 |
| Equity capital to assets | 12.6339% | 1,439 |
| Core capital (leverage) ratio | 12.6476% | 1,274 |
| Tier 1 risk-based capital ratio | 22.8698% | 976 |
| Total risk-based capital ratio | 24.1390% | 962 |
| Memoranda: | ||
| Average total assets | $34,601,800 | 5,640 |
| Average earning assets | $33,386,200 | 5,601 |
| Average equity | $4,479,800 | 5,559 |
| Average total loans | $28,346,800 | 5,257 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 686 |
| Cost of funding earning assets | 1.1116% | 89 |
| Net interest margin | 3.8176% | 2,268 |
| Noninterest income to average assets | 1.5298% | 523 |
| Noninterest expense to average assets | 2.9187% | 2,585 |
| Loan and lease loss provision to assets | 0.2308% | 865 |
| Net operating income to assets | 1.3028% | 1,282 |
| Return on assets (ROA) | 1.3028% | 1,379 |
| Pretax return on assets | 2.0619% | 500 |
| Return on Equity (ROE) | 9.9981% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.9981% | 576 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0060% | 5,066 |
| Assets per employee ($millions) | 6.0283% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 651 |
| Loan loss allowance to noncurrent loans | 185.2853% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5289% | 1,163 |
| Noncurrent loans to loans | 1.1124% | 2,026 |
| Net loans and leases to total assets | 81.0561% | 748 |
| Net loans and leases to deposits | 103.6594% | 475 |
| Net loans and leases to core deposits | 143.9839% | 162 |
| Total domestic deposits to total assets | 78.1946% | 4,879 |
| Equity capital to assets | 12.7758% | 1,607 |
| Core capital (leverage) ratio | 12.6546% | 1,333 |
| Tier 1 risk-based capital ratio | 23.7256% | 925 |
| Total risk-based capital ratio | 24.9961% | 908 |
| Memoranda: | ||
| Average total assets | $34,078,500 | 5,708 |
| Average earning assets | $32,865,000 | 5,669 |
| Average equity | $4,440,750 | 5,627 |
| Average total loans | $27,473,000 | 5,337 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 850 |
| Cost of funding earning assets | 1.0874% | 96 |
| Net interest margin | 3.7343% | 2,569 |
| Noninterest income to average assets | 0.8448% | 1,570 |
| Noninterest expense to average assets | 2.8399% | 2,879 |
| Loan and lease loss provision to assets | 0.1438% | 1,589 |
| Net operating income to assets | 0.9526% | 2,614 |
| Return on assets (ROA) | 0.9526% | 2,759 |
| Pretax return on assets | 1.4619% | 1,801 |
| Return on Equity (ROE) | 7.2592% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.2592% | 1,484 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8814% | 4,040 |
| Assets per employee ($millions) | 6.7512% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1052% | 618 |
| Loan loss allowance to noncurrent loans | 204.2105% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.5612% | 1,201 |
| Noncurrent loans to loans | 1.0309% | 2,221 |
| Net loans and leases to total assets | 80.1754% | 873 |
| Net loans and leases to deposits | 104.4297% | 442 |
| Net loans and leases to core deposits | 139.7356% | 187 |
| Total domestic deposits to total assets | 76.7745% | 5,187 |
| Equity capital to assets | 13.1799% | 1,402 |
| Core capital (leverage) ratio | 13.1609% | 1,096 |
| Tier 1 risk-based capital ratio | 25.3353% | 786 |
| Total risk-based capital ratio | 26.6076% | 765 |
| Memoranda: | ||
| Average total assets | $33,381,330 | 5,788 |
| Average earning assets | $32,187,670 | 5,750 |
| Average equity | $4,380,670 | 5,703 |
| Average total loans | $26,652,330 | 5,418 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 949 |
| Cost of funding earning assets | 1.0873% | 99 |
| Net interest margin | 3.6620% | 2,840 |
| Noninterest income to average assets | 1.4701% | 519 |
| Noninterest expense to average assets | 3.0246% | 2,316 |
| Loan and lease loss provision to assets | 0.1446% | 1,459 |
| Net operating income to assets | 1.2291% | 1,457 |
| Return on assets (ROA) | 1.2291% | 1,567 |
| Pretax return on assets | 1.8317% | 803 |
| Return on Equity (ROE) | 9.3869% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.3869% | 1,006 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4819% | 4,684 |
| Assets per employee ($millions) | 6.6436% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1653% | 620 |
| Loan loss allowance to noncurrent loans | 195.2055% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.6076% | 1,237 |
| Noncurrent loans to loans | 1.1093% | 2,179 |
| Net loans and leases to total assets | 77.5303% | 1,159 |
| Net loans and leases to deposits | 102.9583% | 463 |
| Net loans and leases to core deposits | 134.0796% | 225 |
| Total domestic deposits to total assets | 75.3025% | 5,488 |
| Equity capital to assets | 13.2248% | 1,307 |
| Core capital (leverage) ratio | 12.8851% | 1,205 |
| Tier 1 risk-based capital ratio | 26.0148% | 735 |
| Total risk-based capital ratio | 27.2901% | 715 |
| Memoranda: | ||
| Average total assets | $33,194,000 | 5,856 |
| Average earning assets | $32,004,500 | 5,810 |
| Average equity | $4,346,500 | 5,752 |
| Average total loans | $26,155,500 | 5,479 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6983% | 1,111 |
| Cost of funding earning assets | 1.0301% | 145 |
| Net interest margin | 3.6682% | 2,873 |
| Noninterest income to average assets | 0.0000% | 6,104 |
| Noninterest expense to average assets | 2.5788% | 3,996 |
| Loan and lease loss provision to assets | 0.1986% | 1,087 |
| Net operating income to assets | 0.4754% | 4,792 |
| Return on assets (ROA) | 0.4754% | 4,869 |
| Pretax return on assets | 0.7372% | 4,411 |
| Return on Equity (ROE) | 3.7366% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.7366% | 3,392 |
| Net charge-offs to loans | 0.8306% | 263 |
| Credit loss provision to net charge-offs | 30.6977% | 3,648 |
| Earnings coverage of net charge-offs (x) | 1.4465% | 4,086 |
| Efficiency ratio | 73.3733% | 2,677 |
| Assets per employee ($millions) | 6.6340% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1472% | 644 |
| Loan loss allowance to noncurrent loans | 190.4437% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.6159% | 1,216 |
| Noncurrent loans to loans | 1.1275% | 2,086 |
| Net loans and leases to total assets | 76.6626% | 1,309 |
| Net loans and leases to deposits | 101.6022% | 568 |
| Net loans and leases to core deposits | 127.3296% | 309 |
| Total domestic deposits to total assets | 75.4537% | 5,502 |
| Equity capital to assets | 12.9635% | 1,368 |
| Core capital (leverage) ratio | 12.9065% | 1,183 |
| Tier 1 risk-based capital ratio | 26.3295% | 723 |
| Total risk-based capital ratio | 27.6078% | 695 |
| Memoranda: | ||
| Average total assets | $33,232,200 | 5,906 |
| Average earning assets | $31,841,600 | 5,861 |
| Average equity | $4,228,400 | 5,814 |
| Average total loans | $25,885,600 | 5,522 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 1,075 |
| Cost of funding earning assets | 1.0398% | 142 |
| Net interest margin | 3.6729% | 2,875 |
| Noninterest income to average assets | -0.0080% | 6,208 |
| Noninterest expense to average assets | 2.6588% | 3,690 |
| Loan and lease loss provision to assets | 0.2166% | 883 |
| Net operating income to assets | 0.4171% | 5,100 |
| Return on assets (ROA) | 0.4171% | 5,186 |
| Pretax return on assets | 0.6296% | 4,897 |
| Return on Equity (ROE) | 3.2932% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.2932% | 4,125 |
| Net charge-offs to loans | 1.0570% | 175 |
| Credit loss provision to net charge-offs | 26.3415% | 3,311 |
| Earnings coverage of net charge-offs (x) | 1.0293% | 3,891 |
| Efficiency ratio | 75.8581% | 2,267 |
| Assets per employee ($millions) | 6.5906% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1575% | 710 |
| Loan loss allowance to noncurrent loans | 38.0822% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 6.0541% | 139 |
| Noncurrent loans to loans | 5.6653% | 158 |
| Net loans and leases to total assets | 76.5181% | 1,314 |
| Net loans and leases to deposits | 97.9337% | 823 |
| Net loans and leases to core deposits | 125.1862% | 350 |
| Total domestic deposits to total assets | 78.1325% | 5,157 |
| Equity capital to assets | 12.9063% | 1,501 |
| Core capital (leverage) ratio | 12.4306% | 1,451 |
| Tier 1 risk-based capital ratio | 24.7709% | 878 |
| Total risk-based capital ratio | 26.0481% | 864 |
| Memoranda: | ||
| Average total assets | $33,247,750 | 5,986 |
| Average earning assets | $31,799,250 | 5,937 |
| Average equity | $4,210,500 | 5,897 |
| Average total loans | $25,860,250 | 5,588 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 945 |
| Cost of funding earning assets | 1.0281% | 152 |
| Net interest margin | 3.7426% | 2,535 |
| Noninterest income to average assets | 0.0000% | 6,260 |
| Noninterest expense to average assets | 2.6810% | 3,649 |
| Loan and lease loss provision to assets | 0.2519% | 695 |
| Net operating income to assets | 0.4498% | 4,968 |
| Return on assets (ROA) | 0.4498% | 5,072 |
| Pretax return on assets | 0.6478% | 4,830 |
| Return on Equity (ROE) | 3.5746% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.5746% | 3,750 |
| Net charge-offs to loans | 1.0506% | 193 |
| Credit loss provision to net charge-offs | 30.8824% | 2,920 |
| Earnings coverage of net charge-offs (x) | 1.1029% | 3,581 |
| Efficiency ratio | 74.8744% | 2,556 |
| Assets per employee ($millions) | 6.6384% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3793% | 566 |
| Loan loss allowance to noncurrent loans | 37.0393% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 6.4503% | 141 |
| Noncurrent loans to loans | 6.4237% | 137 |
| Net loans and leases to total assets | 75.7743% | 1,399 |
| Net loans and leases to deposits | 94.6451% | 1,086 |
| Net loans and leases to core deposits | 121.3851% | 434 |
| Total domestic deposits to total assets | 80.0615% | 4,850 |
| Equity capital to assets | 12.7440% | 1,522 |
| Core capital (leverage) ratio | 12.4413% | 1,409 |
| Tier 1 risk-based capital ratio | 24.1229% | 942 |
| Total risk-based capital ratio | 25.3987% | 928 |
| Memoranda: | ||
| Average total assets | $33,346,000 | 6,051 |
| Average earning assets | $31,903,000 | 5,998 |
| Average equity | $4,196,330 | 5,960 |
| Average total loans | $25,890,000 | 5,638 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8604% | 766 |
| Cost of funding earning assets | 1.0121% | 172 |
| Net interest margin | 3.8483% | 2,075 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 2.8364% | 3,116 |
| Loan and lease loss provision to assets | 0.3590% | 353 |
| Net operating income to assets | 0.4069% | 5,047 |
| Return on assets (ROA) | 0.4069% | 5,157 |
| Pretax return on assets | 0.4907% | 5,204 |
| Return on Equity (ROE) | 3.2540% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.2540% | 4,035 |
| Net charge-offs to loans | 1.2176% | 175 |
| Credit loss provision to net charge-offs | 37.9747% | 2,200 |
| Earnings coverage of net charge-offs (x) | 0.8987% | 2,997 |
| Efficiency ratio | 76.9481% | 2,350 |
| Assets per employee ($millions) | 6.5726% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5769% | 477 |
| Loan loss allowance to noncurrent loans | 42.3969% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 5.9033% | 176 |
| Noncurrent loans to loans | 6.0779% | 179 |
| Net loans and leases to total assets | 75.6991% | 1,252 |
| Net loans and leases to deposits | 95.6109% | 857 |
| Net loans and leases to core deposits | 130.6497% | 239 |
| Total domestic deposits to total assets | 79.1741% | 5,237 |
| Equity capital to assets | 12.7590% | 1,536 |
| Core capital (leverage) ratio | 12.3268% | 1,441 |
| Tier 1 risk-based capital ratio | 24.6176% | 925 |
| Total risk-based capital ratio | 25.8963% | 905 |
| Memoranda: | ||
| Average total assets | $33,423,000 | 6,113 |
| Average earning assets | $32,014,000 | 6,058 |
| Average equity | $4,179,500 | 6,017 |
| Average total loans | $25,953,000 | 5,679 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 944 |
| Cost of funding earning assets | 1.0227% | 202 |
| Net interest margin | 3.8640% | 2,381 |
| Noninterest income to average assets | -0.0207% | 6,418 |
| Noninterest expense to average assets | 2.3551% | 4,957 |
| Loan and lease loss provision to assets | 0.5243% | 281 |
| Net operating income to assets | 0.5392% | 4,640 |
| Return on assets (ROA) | 0.5392% | 4,729 |
| Pretax return on assets | 0.8384% | 4,119 |
| Return on Equity (ROE) | 4.4669% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.4669% | 2,995 |
| Net charge-offs to loans | 0.7993% | 437 |
| Credit loss provision to net charge-offs | 84.2857% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.1905% | 4,226 |
| Efficiency ratio | 63.3466% | 4,694 |
| Assets per employee ($millions) | 6.7966% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6810% | 436 |
| Loan loss allowance to noncurrent loans | 37.2694% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 6.5680% | 167 |
| Noncurrent loans to loans | 7.1935% | 138 |
| Net loans and leases to total assets | 75.5201% | 1,340 |
| Net loans and leases to deposits | 95.1258% | 978 |
| Net loans and leases to core deposits | 128.3585% | 267 |
| Total domestic deposits to total assets | 79.3897% | 5,164 |
| Equity capital to assets | 12.2591% | 1,818 |
| Core capital (leverage) ratio | 11.9876% | 1,628 |
| Tier 1 risk-based capital ratio | 23.2195% | 1,047 |
| Total risk-based capital ratio | 24.5041% | 1,020 |
| Memoranda: | ||
| Average total assets | $33,756,400 | 6,180 |
| Average earning assets | $32,660,200 | 6,125 |
| Average equity | $4,074,400 | 6,076 |
| Average total loans | $26,271,800 | 5,730 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 902 |
| Cost of funding earning assets | 1.0247% | 222 |
| Net interest margin | 3.8907% | 2,281 |
| Noninterest income to average assets | -0.0317% | 6,503 |
| Noninterest expense to average assets | 2.3738% | 4,903 |
| Loan and lease loss provision to assets | 0.5025% | 298 |
| Net operating income to assets | 0.5658% | 4,608 |
| Return on assets (ROA) | 0.5658% | 4,680 |
| Pretax return on assets | 0.8625% | 4,137 |
| Return on Equity (ROE) | 4.7059% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.7059% | 3,279 |
| Net charge-offs to loans | 0.9448% | 335 |
| Credit loss provision to net charge-offs | 68.2796% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.8549% | 4,063 |
| Efficiency ratio | 63.4921% | 4,634 |
| Assets per employee ($millions) | 6.8014% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6167% | 554 |
| Loan loss allowance to noncurrent loans | 37.0915% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 6.4957% | 197 |
| Noncurrent loans to loans | 7.0548% | 161 |
| Net loans and leases to total assets | 74.5258% | 1,439 |
| Net loans and leases to deposits | 93.0670% | 1,121 |
| Net loans and leases to core deposits | 116.2942% | 495 |
| Total domestic deposits to total assets | 80.0776% | 5,080 |
| Equity capital to assets | 12.1210% | 1,962 |
| Core capital (leverage) ratio | 11.9213% | 1,744 |
| Tier 1 risk-based capital ratio | 23.8812% | 1,002 |
| Total risk-based capital ratio | 25.1683% | 976 |
| Memoranda: | ||
| Average total assets | $33,699,750 | 6,258 |
| Average earning assets | $32,658,000 | 6,199 |
| Average equity | $4,051,500 | 6,150 |
| Average total loans | $26,247,000 | 5,789 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 756 |
| Cost of funding earning assets | 1.0290% | 223 |
| Net interest margin | 3.9689% | 1,907 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 2.3990% | 4,884 |
| Loan and lease loss provision to assets | 0.4822% | 312 |
| Net operating income to assets | 0.6548% | 4,069 |
| Return on assets (ROA) | 0.6548% | 4,167 |
| Pretax return on assets | 0.9763% | 3,581 |
| Return on Equity (ROE) | 5.4618% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.4618% | 2,661 |
| Net charge-offs to loans | 1.2158% | 256 |
| Credit loss provision to net charge-offs | 50.6250% | 2,787 |
| Earnings coverage of net charge-offs (x) | 1.5313% | 3,785 |
| Efficiency ratio | 62.1914% | 4,980 |
| Assets per employee ($millions) | 6.7382% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5082% | 700 |
| Loan loss allowance to noncurrent loans | 41.3125% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 4.7490% | 393 |
| Noncurrent loans to loans | 6.0712% | 254 |
| Net loans and leases to total assets | 76.2607% | 1,131 |
| Net loans and leases to deposits | 94.5813% | 914 |
| Net loans and leases to core deposits | 118.2592% | 413 |
| Total domestic deposits to total assets | 80.6298% | 5,088 |
| Equity capital to assets | 12.1219% | 1,902 |
| Core capital (leverage) ratio | 11.9704% | 1,675 |
| Tier 1 risk-based capital ratio | 23.6250% | 1,028 |
| Total risk-based capital ratio | 24.9087% | 1,004 |
| Memoranda: | ||
| Average total assets | $33,597,330 | 6,316 |
| Average earning assets | $32,654,000 | 6,257 |
| Average equity | $4,028,000 | 6,199 |
| Average total loans | $26,321,000 | 5,830 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0152% | 699 |
| Cost of funding earning assets | 1.0423% | 223 |
| Net interest margin | 3.9729% | 1,846 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 2.5871% | 4,316 |
| Loan and lease loss provision to assets | 0.4769% | 322 |
| Net operating income to assets | 0.6080% | 4,160 |
| Return on assets (ROA) | 0.6080% | 4,241 |
| Pretax return on assets | 0.7988% | 4,122 |
| Return on Equity (ROE) | 5.1000% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.1000% | 3,063 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9753% | 4,369 |
| Assets per employee ($millions) | 6.6682% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9482% | 459 |
| Loan loss allowance to noncurrent loans | 32.8145% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 7.1294% | 214 |
| Noncurrent loans to loans | 8.9844% | 130 |
| Net loans and leases to total assets | 77.0133% | 882 |
| Net loans and leases to deposits | 95.1352% | 707 |
| Net loans and leases to core deposits | 119.1453% | 340 |
| Total domestic deposits to total assets | 80.9514% | 5,252 |
| Equity capital to assets | 12.0782% | 1,820 |
| Core capital (leverage) ratio | 11.7821% | 1,774 |
| Tier 1 risk-based capital ratio | 23.1739% | 1,117 |
| Total risk-based capital ratio | 24.4636% | 1,095 |
| Memoranda: | ||
| Average total assets | $33,550,500 | 6,379 |
| Average earning assets | $32,621,000 | 6,326 |
| Average equity | $4,000,000 | 6,252 |
| Average total loans | $26,304,500 | 5,880 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3082% | 518 |
| Cost of funding earning assets | 1.1602% | 213 |
| Net interest margin | 4.1480% | 1,509 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 2.1446% | 5,741 |
| Loan and lease loss provision to assets | 0.5510% | 480 |
| Net operating income to assets | 0.7850% | 3,370 |
| Return on assets (ROA) | 0.7850% | 3,475 |
| Pretax return on assets | 1.3181% | 2,078 |
| Return on Equity (ROE) | 6.8713% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.8713% | 1,491 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4317% | 6,182 |
| Assets per employee ($millions) | 8.4400% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8296% | 571 |
| Loan loss allowance to noncurrent loans | 58.0848% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 3.7737% | 732 |
| Noncurrent loans to loans | 4.8715% | 533 |
| Net loans and leases to total assets | 75.2725% | 1,192 |
| Net loans and leases to deposits | 91.4166% | 1,118 |
| Net loans and leases to core deposits | 113.6545% | 477 |
| Total domestic deposits to total assets | 82.3400% | 4,755 |
| Equity capital to assets | 11.7684% | 1,969 |
| Core capital (leverage) ratio | 11.3777% | 2,052 |
| Tier 1 risk-based capital ratio | 23.5489% | 1,013 |
| Total risk-based capital ratio | 24.8401% | 990 |
| Memoranda: | ||
| Average total assets | $33,759,600 | 6,437 |
| Average earning assets | $32,666,600 | 6,386 |
| Average equity | $3,856,600 | 6,360 |
| Average total loans | $26,455,200 | 5,913 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 445 |
| Cost of funding earning assets | 1.1734% | 225 |
| Net interest margin | 4.2275% | 1,254 |
| Noninterest income to average assets | 0.0039% | 6,729 |
| Noninterest expense to average assets | 2.0971% | 5,835 |
| Loan and lease loss provision to assets | 0.5766% | 432 |
| Net operating income to assets | 0.8333% | 3,171 |
| Return on assets (ROA) | 0.8333% | 3,304 |
| Pretax return on assets | 1.4139% | 1,889 |
| Return on Equity (ROE) | 7.3502% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.3502% | 1,707 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3043% | 6,313 |
| Assets per employee ($millions) | 8.5623% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6772% | 768 |
| Loan loss allowance to noncurrent loans | 77.0077% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 2.6541% | 1,420 |
| Noncurrent loans to loans | 3.4765% | 1,097 |
| Net loans and leases to total assets | 74.3000% | 1,249 |
| Net loans and leases to deposits | 90.0524% | 1,158 |
| Net loans and leases to core deposits | 112.7920% | 480 |
| Total domestic deposits to total assets | 82.5075% | 4,756 |
| Equity capital to assets | 11.4252% | 2,357 |
| Core capital (leverage) ratio | 11.3276% | 2,177 |
| Tier 1 risk-based capital ratio | 22.8382% | 1,172 |
| Total risk-based capital ratio | 24.1261% | 1,148 |
| Memoranda: | ||
| Average total assets | $33,759,500 | 6,511 |
| Average earning assets | $32,610,750 | 6,455 |
| Average equity | $3,827,500 | 6,448 |
| Average total loans | $26,531,000 | 5,969 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4203% | 431 |
| Cost of funding earning assets | 1.1928% | 221 |
| Net interest margin | 4.2274% | 1,205 |
| Noninterest income to average assets | 0.1191% | 6,460 |
| Noninterest expense to average assets | 2.1133% | 5,844 |
| Loan and lease loss provision to assets | 0.6786% | 349 |
| Net operating income to assets | 0.8215% | 3,188 |
| Return on assets (ROA) | 0.8215% | 3,346 |
| Pretax return on assets | 1.3990% | 1,932 |
| Return on Equity (ROE) | 7.2651% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.2651% | 1,763 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4261% | 6,398 |
| Assets per employee ($millions) | 8.4783% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4839% | 1,001 |
| Loan loss allowance to noncurrent loans | 74.4705% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.9694% | 1,374 |
| Noncurrent loans to loans | 3.3354% | 1,300 |
| Net loans and leases to total assets | 77.3302% | 821 |
| Net loans and leases to deposits | 93.4305% | 847 |
| Net loans and leases to core deposits | 117.2224% | 369 |
| Total domestic deposits to total assets | 82.7677% | 4,793 |
| Equity capital to assets | 11.3850% | 2,392 |
| Core capital (leverage) ratio | 11.1815% | 2,191 |
| Tier 1 risk-based capital ratio | 22.2347% | 1,246 |
| Total risk-based capital ratio | 23.5187% | 1,220 |
| Memoranda: | ||
| Average total assets | $33,596,330 | 6,565 |
| Average earning assets | $32,360,000 | 6,507 |
| Average equity | $3,799,000 | 6,497 |
| Average total loans | $26,659,000 | 5,994 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5352% | 351 |
| Cost of funding earning assets | 1.2342% | 201 |
| Net interest margin | 4.3010% | 969 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 2.1891% | 5,722 |
| Loan and lease loss provision to assets | 0.8613% | 240 |
| Net operating income to assets | 0.5981% | 4,224 |
| Return on assets (ROA) | 0.5981% | 4,370 |
| Pretax return on assets | 1.0766% | 3,039 |
| Return on Equity (ROE) | 5.3079% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.3079% | 3,049 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0435% | 6,303 |
| Assets per employee ($millions) | 8.3783% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3816% | 1,273 |
| Loan loss allowance to noncurrent loans | 69.6329% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 3.3838% | 1,280 |
| Noncurrent loans to loans | 3.4202% | 1,406 |
| Net loans and leases to total assets | 76.5643% | 771 |
| Net loans and leases to deposits | 92.4249% | 768 |
| Net loans and leases to core deposits | 116.2882% | 345 |
| Total domestic deposits to total assets | 82.8395% | 4,907 |
| Equity capital to assets | 11.3240% | 2,608 |
| Core capital (leverage) ratio | 11.0701% | 2,204 |
| Tier 1 risk-based capital ratio | 21.4760% | 1,434 |
| Total risk-based capital ratio | 22.7575% | 1,397 |
| Memoranda: | ||
| Average total assets | $33,438,000 | 6,631 |
| Average earning assets | $32,085,500 | 6,580 |
| Average equity | $3,768,000 | 6,569 |
| Average total loans | $26,542,000 | 6,045 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5369% | 579 |
| Cost of funding earning assets | 1.4596% | 197 |
| Net interest margin | 4.0773% | 2,091 |
| Noninterest income to average assets | -0.0602% | 6,895 |
| Noninterest expense to average assets | 2.1095% | 6,103 |
| Loan and lease loss provision to assets | 0.7884% | 619 |
| Net operating income to assets | 0.5778% | 4,347 |
| Return on assets (ROA) | 0.5778% | 4,608 |
| Pretax return on assets | 0.9509% | 3,740 |
| Return on Equity (ROE) | 5.2741% | 4,555 |
| Retained earnings to average equity (ytd only) | 5.2741% | 2,523 |
| Net charge-offs to loans | 0.4122% | 2,604 |
| Credit loss provision to net charge-offs | 242.5926% | 1,021 |
| Earnings coverage of net charge-offs (x) | 5.3519% | 3,063 |
| Efficiency ratio | 54.8084% | 6,200 |
| Assets per employee ($millions) | 8.3408% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0672% | 1,839 |
| Loan loss allowance to noncurrent loans | 74.2627% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 3.1172% | 1,511 |
| Noncurrent loans to loans | 2.7837% | 1,893 |
| Net loans and leases to total assets | 78.6650% | 601 |
| Net loans and leases to deposits | 94.6994% | 703 |
| Net loans and leases to core deposits | 119.1817% | 299 |
| Total domestic deposits to total assets | 83.0681% | 4,692 |
| Equity capital to assets | 11.2130% | 2,718 |
| Core capital (leverage) ratio | 10.9558% | 2,294 |
| Tier 1 risk-based capital ratio | 21.5335% | 1,353 |
| Total risk-based capital ratio | 22.8064% | 1,319 |
| Memoranda: | ||
| Average total assets | $33,230,000 | 6,674 |
| Average earning assets | $31,859,000 | 6,611 |
| Average equity | $3,640,400 | 6,651 |
| Average total loans | $26,199,600 | 6,128 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5820% | 573 |
| Cost of funding earning assets | 1.5033% | 198 |
| Net interest margin | 4.0787% | 2,178 |
| Noninterest income to average assets | -0.0803% | 7,010 |
| Noninterest expense to average assets | 2.1126% | 6,138 |
| Loan and lease loss provision to assets | 0.6627% | 786 |
| Net operating income to assets | 0.6225% | 4,281 |
| Return on assets (ROA) | 0.6225% | 4,536 |
| Pretax return on assets | 1.0563% | 3,511 |
| Return on Equity (ROE) | 5.7163% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.7163% | 2,887 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1363% | 6,143 |
| Assets per employee ($millions) | 8.2103% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1550% | 1,795 |
| Loan loss allowance to noncurrent loans | 99.1228% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.7356% | 3,004 |
| Noncurrent loans to loans | 2.1741% | 2,651 |
| Net loans and leases to total assets | 78.1127% | 720 |
| Net loans and leases to deposits | 94.7444% | 735 |
| Net loans and leases to core deposits | 96.9904% | 1,338 |
| Total domestic deposits to total assets | 82.4457% | 4,856 |
| Equity capital to assets | 11.3090% | 2,926 |
| Core capital (leverage) ratio | 10.8692% | 2,522 |
| Tier 1 risk-based capital ratio | 21.8678% | 1,352 |
| Total risk-based capital ratio | 23.1438% | 1,327 |
| Memoranda: | ||
| Average total assets | $33,196,750 | 6,755 |
| Average earning assets | $31,839,500 | 6,695 |
| Average equity | $3,615,250 | 6,740 |
| Average total loans | $26,049,750 | 6,215 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5976% | 580 |
| Cost of funding earning assets | 1.5437% | 195 |
| Net interest margin | 4.0538% | 2,277 |
| Noninterest income to average assets | -0.1621% | 7,123 |
| Noninterest expense to average assets | 2.1372% | 6,166 |
| Loan and lease loss provision to assets | 0.5583% | 1,095 |
| Net operating income to assets | 0.6003% | 4,370 |
| Return on assets (ROA) | 0.6003% | 4,623 |
| Pretax return on assets | 1.0206% | 3,631 |
| Return on Equity (ROE) | 5.5830% | 4,534 |
| Retained earnings to average equity (ytd only) | 5.5830% | 2,939 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5121% | 5,929 |
| Assets per employee ($millions) | 8.3818% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 2,642 |
| Loan loss allowance to noncurrent loans | 130.4233% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 4,134 |
| Noncurrent loans to loans | 1.4338% | 3,768 |
| Net loans and leases to total assets | 77.1647% | 819 |
| Net loans and leases to deposits | 92.0611% | 945 |
| Net loans and leases to core deposits | 94.1620% | 1,587 |
| Total domestic deposits to total assets | 83.8190% | 4,390 |
| Equity capital to assets | 10.8897% | 3,240 |
| Core capital (leverage) ratio | 10.6963% | 2,601 |
| Tier 1 risk-based capital ratio | 21.2559% | 1,430 |
| Total risk-based capital ratio | 22.5274% | 1,402 |
| Memoranda: | ||
| Average total assets | $33,315,330 | 6,801 |
| Average earning assets | $31,871,000 | 6,740 |
| Average equity | $3,582,330 | 6,788 |
| Average total loans | $25,993,670 | 6,262 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5807% | 650 |
| Cost of funding earning assets | 1.6161% | 176 |
| Net interest margin | 3.9646% | 2,651 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 2.6860% | 4,475 |
| Loan and lease loss provision to assets | 0.4216% | 1,493 |
| Net operating income to assets | 0.3734% | 5,373 |
| Return on assets (ROA) | 0.3734% | 5,554 |
| Pretax return on assets | 0.6745% | 4,875 |
| Return on Equity (ROE) | 3.4949% | 5,513 |
| Retained earnings to average equity (ytd only) | 3.4949% | 4,483 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0191% | 3,618 |
| Assets per employee ($millions) | 8.2695% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 3,466 |
| Loan loss allowance to noncurrent loans | 114.7757% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 2.4639% | 2,401 |
| Noncurrent loans to loans | 1.4544% | 3,935 |
| Net loans and leases to total assets | 77.4624% | 640 |
| Net loans and leases to deposits | 91.4095% | 847 |
| Net loans and leases to core deposits | 93.5009% | 1,504 |
| Total domestic deposits to total assets | 84.7421% | 4,145 |
| Equity capital to assets | 10.7987% | 3,149 |
| Core capital (leverage) ratio | 10.5223% | 2,724 |
| Tier 1 risk-based capital ratio | 20.5767% | 1,569 |
| Total risk-based capital ratio | 21.8439% | 1,543 |
| Memoranda: | ||
| Average total assets | $33,209,500 | 6,859 |
| Average earning assets | $31,680,500 | 6,806 |
| Average equity | $3,548,000 | 6,836 |
| Average total loans | $25,808,500 | 6,320 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7370% | 722 |
| Cost of funding earning assets | 1.8985% | 150 |
| Net interest margin | 3.8385% | 3,631 |
| Noninterest income to average assets | -0.1611% | 7,143 |
| Noninterest expense to average assets | 2.1333% | 6,422 |
| Loan and lease loss provision to assets | 0.7658% | 1,304 |
| Net operating income to assets | 0.3461% | 5,085 |
| Return on assets (ROA) | 0.3616% | 5,191 |
| Pretax return on assets | 0.6139% | 4,648 |
| Return on Equity (ROE) | 3.4483% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.4483% | 3,770 |
| Net charge-offs to loans | 0.8512% | 2,037 |
| Credit loss provision to net charge-offs | 116.1290% | 2,794 |
| Earnings coverage of net charge-offs (x) | 2.0553% | 4,241 |
| Efficiency ratio | 61.1498% | 5,584 |
| Assets per employee ($millions) | 8.3353% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,729 |
| Loan loss allowance to noncurrent loans | 105.5409% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 2.8763% | 2,097 |
| Noncurrent loans to loans | 1.4828% | 3,924 |
| Net loans and leases to total assets | 75.4596% | 1,028 |
| Net loans and leases to deposits | 88.4852% | 1,322 |
| Net loans and leases to core deposits | 90.4805% | 2,060 |
| Total domestic deposits to total assets | 85.2794% | 3,701 |
| Equity capital to assets | 10.5696% | 3,451 |
| Core capital (leverage) ratio | 10.3569% | 2,902 |
| Tier 1 risk-based capital ratio | 20.7743% | 1,466 |
| Total risk-based capital ratio | 22.0406% | 1,436 |
| Memoranda: | ||
| Average total assets | $32,906,000 | 6,895 |
| Average earning assets | $31,288,000 | 6,828 |
| Average equity | $3,451,000 | 6,893 |
| Average total loans | $25,492,000 | 6,395 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7772% | 731 |
| Cost of funding earning assets | 1.9600% | 140 |
| Net interest margin | 3.8172% | 3,785 |
| Noninterest income to average assets | -0.1707% | 7,251 |
| Noninterest expense to average assets | 2.1058% | 6,495 |
| Loan and lease loss provision to assets | 0.8618% | 1,058 |
| Net operating income to assets | 0.2841% | 5,454 |
| Return on assets (ROA) | 0.3049% | 5,554 |
| Pretax return on assets | 0.5203% | 5,087 |
| Return on Equity (ROE) | 2.9131% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.9131% | 4,616 |
| Net charge-offs to loans | 1.1357% | 1,391 |
| Credit loss provision to net charge-offs | 97.6959% | 3,503 |
| Earnings coverage of net charge-offs (x) | 1.5299% | 4,491 |
| Efficiency ratio | 60.9412% | 5,569 |
| Assets per employee ($millions) | 8.3450% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,516 |
| Loan loss allowance to noncurrent loans | 59.6026% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 3.5860% | 1,746 |
| Noncurrent loans to loans | 2.3645% | 2,935 |
| Net loans and leases to total assets | 75.4494% | 1,069 |
| Net loans and leases to deposits | 88.9050% | 1,330 |
| Net loans and leases to core deposits | 90.8976% | 2,139 |
| Total domestic deposits to total assets | 84.8652% | 3,835 |
| Equity capital to assets | 10.4164% | 3,806 |
| Core capital (leverage) ratio | 10.2028% | 3,190 |
| Tier 1 risk-based capital ratio | 19.9496% | 1,699 |
| Total risk-based capital ratio | 21.2107% | 1,667 |
| Memoranda: | ||
| Average total assets | $32,797,250 | 6,961 |
| Average earning assets | $31,156,250 | 6,900 |
| Average equity | $3,432,750 | 6,954 |
| Average total loans | $25,475,250 | 6,451 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7229% | 840 |
| Cost of funding earning assets | 2.0001% | 143 |
| Net interest margin | 3.7228% | 4,162 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 2.0734% | 6,645 |
| Loan and lease loss provision to assets | 1.0919% | 754 |
| Net operating income to assets | 0.1833% | 5,800 |
| Return on assets (ROA) | 0.2147% | 5,803 |
| Pretax return on assets | 0.4233% | 5,328 |
| Return on Equity (ROE) | 2.0480% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.0480% | 4,954 |
| Net charge-offs to loans | 1.7052% | 841 |
| Credit loss provision to net charge-offs | 82.0276% | 3,709 |
| Earnings coverage of net charge-offs (x) | 1.1014% | 4,451 |
| Efficiency ratio | 58.5789% | 6,090 |
| Assets per employee ($millions) | 8.4053% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 5,180 |
| Loan loss allowance to noncurrent loans | 46.8391% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 3.9648% | 1,623 |
| Noncurrent loans to loans | 2.7178% | 2,676 |
| Net loans and leases to total assets | 75.2000% | 1,205 |
| Net loans and leases to deposits | 88.3187% | 1,454 |
| Net loans and leases to core deposits | 90.2771% | 2,340 |
| Total domestic deposits to total assets | 85.1462% | 3,813 |
| Equity capital to assets | 10.2287% | 3,845 |
| Core capital (leverage) ratio | 10.4387% | 2,773 |
| Tier 1 risk-based capital ratio | 19.5781% | 1,697 |
| Total risk-based capital ratio | 20.8367% | 1,666 |
| Memoranda: | ||
| Average total assets | $32,603,000 | 7,026 |
| Average earning assets | $30,998,000 | 6,967 |
| Average equity | $3,418,000 | 7,009 |
| Average total loans | $25,452,000 | 6,512 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8283% | 697 |
| Cost of funding earning assets | 2.0170% | 157 |
| Net interest margin | 3.8113% | 3,560 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 2.1437% | 6,544 |
| Loan and lease loss provision to assets | 1.1217% | 644 |
| Net operating income to assets | 0.1122% | 6,063 |
| Return on assets (ROA) | 0.1122% | 6,115 |
| Pretax return on assets | 0.3614% | 5,468 |
| Return on Equity (ROE) | 1.0565% | 6,113 |
| Retained earnings to average equity (ytd only) | 1.0565% | 5,402 |
| Net charge-offs to loans | 0.8040% | 1,619 |
| Credit loss provision to net charge-offs | 176.4706% | 1,653 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,145 |
| Efficiency ratio | 59.1065% | 6,117 |
| Assets per employee ($millions) | 8.0895% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 3,796 |
| Loan loss allowance to noncurrent loans | 39.2233% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 4.6418% | 1,384 |
| Noncurrent loans to loans | 4.0398% | 1,796 |
| Net loans and leases to total assets | 77.5450% | 795 |
| Net loans and leases to deposits | 91.6134% | 1,055 |
| Net loans and leases to core deposits | 93.7388% | 1,918 |
| Total domestic deposits to total assets | 84.6437% | 4,209 |
| Equity capital to assets | 10.5631% | 3,112 |
| Core capital (leverage) ratio | 10.4836% | 2,628 |
| Tier 1 risk-based capital ratio | 19.6522% | 1,659 |
| Total risk-based capital ratio | 20.9195% | 1,627 |
| Memoranda: | ||
| Average total assets | $32,094,000 | 7,096 |
| Average earning assets | $30,540,500 | 7,032 |
| Average equity | $3,407,500 | 7,042 |
| Average total loans | $25,373,500 | 6,566 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9579% | 929 |
| Cost of funding earning assets | 2.3317% | 190 |
| Net interest margin | 3.6263% | 4,691 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 2.0442% | 6,954 |
| Loan and lease loss provision to assets | 0.6282% | 2,615 |
| Net operating income to assets | 0.4439% | 4,347 |
| Return on assets (ROA) | 0.4460% | 4,498 |
| Pretax return on assets | 0.8138% | 3,584 |
| Return on Equity (ROE) | 4.1176% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.1176% | 2,968 |
| Net charge-offs to loans | 0.3168% | 4,434 |
| Credit loss provision to net charge-offs | 247.4359% | 1,157 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,565 |
| Efficiency ratio | 58.6916% | 6,248 |
| Assets per employee ($millions) | 7.9575% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 4,306 |
| Loan loss allowance to noncurrent loans | 33.7650% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 4.4361% | 1,503 |
| Noncurrent loans to loans | 4.2810% | 1,688 |
| Net loans and leases to total assets | 78.1841% | 914 |
| Net loans and leases to deposits | 91.3114% | 1,355 |
| Net loans and leases to core deposits | 94.5660% | 2,188 |
| Total domestic deposits to total assets | 85.6236% | 3,541 |
| Equity capital to assets | 10.6723% | 2,991 |
| Core capital (leverage) ratio | 10.5482% | 2,511 |
| Tier 1 risk-based capital ratio | 19.7166% | 1,549 |
| Total risk-based capital ratio | 20.9796% | 1,516 |
| Memoranda: | ||
| Average total assets | $30,720,800 | 7,182 |
| Average earning assets | $29,507,000 | 7,104 |
| Average equity | $3,327,200 | 7,184 |
| Average total loans | $24,623,400 | 6,698 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9825% | 971 |
| Cost of funding earning assets | 2.3912% | 205 |
| Net interest margin | 3.5913% | 4,912 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 2.0278% | 6,998 |
| Loan and lease loss provision to assets | 0.5693% | 2,655 |
| Net operating income to assets | 0.4439% | 4,571 |
| Return on assets (ROA) | 0.4467% | 4,744 |
| Pretax return on assets | 0.8672% | 3,675 |
| Return on Equity (ROE) | 4.1091% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.1091% | 3,583 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6076% | 6,173 |
| Assets per employee ($millions) | 7.8153% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 3,963 |
| Loan loss allowance to noncurrent loans | 33.0722% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 3.6755% | 1,942 |
| Noncurrent loans to loans | 4.5361% | 1,591 |
| Net loans and leases to total assets | 79.8119% | 785 |
| Net loans and leases to deposits | 94.1190% | 1,188 |
| Net loans and leases to core deposits | 96.3618% | 2,220 |
| Total domestic deposits to total assets | 84.7990% | 3,722 |
| Equity capital to assets | 10.7994% | 3,168 |
| Core capital (leverage) ratio | 10.6206% | 2,576 |
| Tier 1 risk-based capital ratio | 19.9927% | 1,554 |
| Total risk-based capital ratio | 21.2563% | 1,517 |
| Memoranda: | ||
| Average total assets | $30,443,500 | 7,275 |
| Average earning assets | $29,329,250 | 7,197 |
| Average equity | $3,309,750 | 7,278 |
| Average total loans | $24,466,500 | 6,794 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0158% | 915 |
| Cost of funding earning assets | 2.4366% | 215 |
| Net interest margin | 3.5792% | 4,905 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 2.0152% | 7,081 |
| Loan and lease loss provision to assets | 0.5502% | 2,574 |
| Net operating income to assets | 0.3911% | 4,791 |
| Return on assets (ROA) | 0.3911% | 4,950 |
| Pretax return on assets | 0.8816% | 3,569 |
| Return on Equity (ROE) | 3.5892% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.5892% | 3,811 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4615% | 6,313 |
| Assets per employee ($millions) | 7.6030% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 4,661 |
| Loan loss allowance to noncurrent loans | 40.0722% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 2.7325% | 2,651 |
| Noncurrent loans to loans | 3.3783% | 2,364 |
| Net loans and leases to total assets | 79.7876% | 828 |
| Net loans and leases to deposits | 96.1561% | 1,035 |
| Net loans and leases to core deposits | 99.8642% | 2,036 |
| Total domestic deposits to total assets | 82.9771% | 4,587 |
| Equity capital to assets | 10.9661% | 2,896 |
| Core capital (leverage) ratio | 10.6516% | 2,497 |
| Tier 1 risk-based capital ratio | 20.5830% | 1,414 |
| Total risk-based capital ratio | 21.8441% | 1,378 |
| Memoranda: | ||
| Average total assets | $30,171,000 | 7,341 |
| Average earning assets | $29,056,670 | 7,258 |
| Average equity | $3,287,670 | 7,327 |
| Average total loans | $24,178,670 | 6,853 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0240% | 932 |
| Cost of funding earning assets | 2.4731% | 243 |
| Net interest margin | 3.5508% | 4,946 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 1.9966% | 7,166 |
| Loan and lease loss provision to assets | 0.5990% | 2,121 |
| Net operating income to assets | 0.1464% | 5,873 |
| Return on assets (ROA) | 0.1464% | 5,997 |
| Pretax return on assets | 0.8253% | 3,766 |
| Return on Equity (ROE) | 1.3480% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.3480% | 5,271 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3658% | 6,429 |
| Assets per employee ($millions) | 7.5303% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 5,304 |
| Loan loss allowance to noncurrent loans | 35.4994% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 2.7589% | 2,633 |
| Noncurrent loans to loans | 3.4802% | 2,292 |
| Net loans and leases to total assets | 78.2942% | 1,094 |
| Net loans and leases to deposits | 96.3515% | 1,068 |
| Net loans and leases to core deposits | 100.1869% | 2,109 |
| Total domestic deposits to total assets | 81.2589% | 5,362 |
| Equity capital to assets | 10.8761% | 2,868 |
| Core capital (leverage) ratio | 10.5227% | 2,602 |
| Tier 1 risk-based capital ratio | 20.5090% | 1,427 |
| Total risk-based capital ratio | 21.7656% | 1,395 |
| Memoranda: | ||
| Average total assets | $30,050,500 | 7,440 |
| Average earning assets | $28,951,000 | 7,357 |
| Average equity | $3,264,000 | 7,412 |
| Average total loans | $23,969,000 | 6,946 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2329% | 1,158 |
| Cost of funding earning assets | 2.9803% | 250 |
| Net interest margin | 3.2526% | 5,915 |
| Noninterest income to average assets | 0.0037% | 7,681 |
| Noninterest expense to average assets | 2.0971% | 7,197 |
| Loan and lease loss provision to assets | 0.6484% | 3,206 |
| Net operating income to assets | 0.3509% | 4,319 |
| Return on assets (ROA) | 0.2890% | 4,660 |
| Pretax return on assets | 0.3298% | 4,689 |
| Return on Equity (ROE) | 2.4790% | 4,721 |
| Retained earnings to average equity (ytd only) | 2.4790% | 3,408 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 5,256 |
| Assets per employee ($millions) | 7.4950% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 6,176 |
| Loan loss allowance to noncurrent loans | 57.3394% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 4,234 |
| Noncurrent loans to loans | 1.8121% | 3,912 |
| Net loans and leases to total assets | 79.4196% | 1,114 |
| Net loans and leases to deposits | 98.1613% | 1,087 |
| Net loans and leases to core deposits | 149.9843% | 506 |
| Total domestic deposits to total assets | 80.9073% | 5,372 |
| Equity capital to assets | 10.8472% | 2,823 |
| Core capital (leverage) ratio | 10.8728% | 2,300 |
| Tier 1 risk-based capital ratio | 20.5983% | 1,361 |
| Total risk-based capital ratio | 21.8453% | 1,328 |
| Memoranda: | ||
| Average total assets | $26,990,000 | 7,585 |
| Average earning assets | $26,071,400 | 7,502 |
| Average equity | $3,146,400 | 7,549 |
| Average total loans | $21,272,000 | 7,124 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2753% | 1,187 |
| Cost of funding earning assets | 3.0798% | 259 |
| Net interest margin | 3.1955% | 6,038 |
| Noninterest income to average assets | 0.0051% | 7,819 |
| Noninterest expense to average assets | 2.1136% | 7,166 |
| Loan and lease loss provision to assets | 0.2794% | 4,740 |
| Net operating income to assets | 0.4174% | 4,328 |
| Return on assets (ROA) | 0.3556% | 4,666 |
| Pretax return on assets | 0.6046% | 4,170 |
| Return on Equity (ROE) | 2.9913% | 4,800 |
| Retained earnings to average equity (ytd only) | 2.9913% | 3,655 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3087% | 4,902 |
| Assets per employee ($millions) | 5.6248% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5673% | 7,624 |
| Loan loss allowance to noncurrent loans | 29.7483% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5538% | 4,037 |
| Noncurrent loans to loans | 1.9071% | 3,767 |
| Net loans and leases to total assets | 81.0127% | 974 |
| Net loans and leases to deposits | 102.5290% | 883 |
| Net loans and leases to core deposits | 156.5050% | 451 |
| Total domestic deposits to total assets | 79.0144% | 5,798 |
| Equity capital to assets | 11.3995% | 2,674 |
| Core capital (leverage) ratio | 11.3544% | 2,154 |
| Tier 1 risk-based capital ratio | 21.3537% | 1,317 |
| Total risk-based capital ratio | 22.2327% | 1,349 |
| Memoranda: | ||
| Average total assets | $26,242,500 | 7,669 |
| Average earning assets | $25,368,500 | 7,595 |
| Average equity | $3,120,000 | 7,627 |
| Average total loans | $20,575,000 | 7,224 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3274% | 1,144 |
| Cost of funding earning assets | 3.1880% | 274 |
| Net interest margin | 3.1394% | 6,128 |
| Noninterest income to average assets | 0.0078% | 7,916 |
| Noninterest expense to average assets | 2.1706% | 7,120 |
| Loan and lease loss provision to assets | 0.3123% | 4,073 |
| Net operating income to assets | 0.2667% | 5,025 |
| Return on assets (ROA) | 0.1718% | 5,449 |
| Pretax return on assets | 0.4060% | 4,915 |
| Return on Equity (ROE) | 1.4233% | 5,483 |
| Retained earnings to average equity (ytd only) | 1.4233% | 4,535 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4653% | 4,514 |
| Assets per employee ($millions) | 6.7145% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 7,725 |
| Loan loss allowance to noncurrent loans | 26.1959% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 3,761 |
| Noncurrent loans to loans | 2.0923% | 3,392 |
| Net loans and leases to total assets | 77.6938% | 1,819 |
| Net loans and leases to deposits | 100.3221% | 1,255 |
| Net loans and leases to core deposits | 151.7931% | 606 |
| Total domestic deposits to total assets | 77.4443% | 6,217 |
| Equity capital to assets | 11.6874% | 2,392 |
| Core capital (leverage) ratio | 11.8625% | 1,897 |
| Tier 1 risk-based capital ratio | 22.2397% | 1,219 |
| Total risk-based capital ratio | 23.0621% | 1,251 |
| Memoranda: | ||
| Average total assets | $25,615,330 | 7,767 |
| Average earning assets | $24,718,000 | 7,691 |
| Average equity | $3,091,330 | 7,700 |
| Average total loans | $19,795,330 | 7,342 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3659% | 1,139 |
| Cost of funding earning assets | 3.2408% | 305 |
| Net interest margin | 3.1251% | 6,124 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 2.1605% | 6,977 |
| Loan and lease loss provision to assets | 0.4001% | 2,921 |
| Net operating income to assets | 0.2241% | 5,586 |
| Return on assets (ROA) | -0.3041% | 6,760 |
| Pretax return on assets | -0.0640% | 6,446 |
| Return on Equity (ROE) | -2.4776% | 6,722 |
| Retained earnings to average equity (ytd only) | -2.4776% | 6,190 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 4,282 |
| Assets per employee ($millions) | 6.3943% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5129% | 7,808 |
| Loan loss allowance to noncurrent loans | 27.1003% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 3,767 |
| Noncurrent loans to loans | 1.8927% | 3,425 |
| Net loans and leases to total assets | 75.8338% | 2,306 |
| Net loans and leases to deposits | 99.2529% | 1,501 |
| Net loans and leases to core deposits | 151.1769% | 671 |
| Total domestic deposits to total assets | 76.4046% | 6,432 |
| Equity capital to assets | 12.0421% | 2,231 |
| Core capital (leverage) ratio | 12.3170% | 1,752 |
| Tier 1 risk-based capital ratio | 23.4997% | 1,139 |
| Total risk-based capital ratio | 24.2652% | 1,164 |
| Memoranda: | ||
| Average total assets | $24,994,000 | 7,832 |
| Average earning assets | $24,191,500 | 7,757 |
| Average equity | $3,067,500 | 7,759 |
| Average total loans | $19,202,000 | 7,425 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5328% | 2,799 |
| Cost of funding earning assets | 3.6956% | 272 |
| Net interest margin | 2.8372% | 7,272 |
| Noninterest income to average assets | 0.0044% | 8,094 |
| Noninterest expense to average assets | 2.2373% | 6,870 |
| Loan and lease loss provision to assets | 0.0218% | 7,119 |
| Net operating income to assets | 0.4143% | 5,098 |
| Return on assets (ROA) | 0.4143% | 4,910 |
| Pretax return on assets | 0.4841% | 5,019 |
| Return on Equity (ROE) | 3.1662% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.1662% | 3,181 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5580% | 2,366 |
| Assets per employee ($millions) | 6.1028% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3967% | 7,983 |
| Loan loss allowance to noncurrent loans | 20.3252% | 7,224 |
| Noncurrent assets plus other real estate owned to assets | 1.5116% | 3,193 |
| Noncurrent loans to loans | 1.9516% | 2,827 |
| Net loans and leases to total assets | 77.1496% | 2,339 |
| Net loans and leases to deposits | 102.0040% | 1,587 |
| Net loans and leases to core deposits | 148.2680% | 926 |
| Total domestic deposits to total assets | 75.6339% | 6,318 |
| Equity capital to assets | 12.5148% | 2,004 |
| Core capital (leverage) ratio | 12.8463% | 1,598 |
| Tier 1 risk-based capital ratio | 24.9273% | 991 |
| Total risk-based capital ratio | 25.5328% | 1,034 |
| Memoranda: | ||
| Average total assets | $22,929,000 | 7,915 |
| Average earning assets | $22,134,600 | 7,858 |
| Average equity | $3,000,400 | 7,840 |
| Average total loans | $17,362,600 | 7,500 |