Home > Dixon Bank > Performance and Condition Ratios
Dixon Bank, Performance and Condition Ratios
| 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 | 2.2716% | 4,476 |
| Cost of funding earning assets | 0.6609% | 191 |
| Net interest margin | 1.6107% | 4,667 |
| Noninterest income to average assets | 0.3657% | 2,895 |
| Noninterest expense to average assets | 1.9927% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0759% | 4,583 |
| Return on assets (ROA) | 0.3816% | 3,960 |
| Pretax return on assets | 0.4611% | 3,931 |
| Return on Equity (ROE) | 1.9240% | 4,268 |
| Retained earnings to average equity (ytd only) | -324.9115% | 4,796 |
| Net charge-offs to loans | -0.0544% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7354% | 178 |
| Assets per employee ($millions) | 33.9160% | 40 |
| Cash dividends to net income (ytd only)* | 16,987.5000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1011% | 147 |
| Loan loss allowance to noncurrent loans | 120.3297% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 1,117 |
| Noncurrent loans to loans | 2.5772% | 227 |
| Net loans and leases to total assets | 20.1763% | 4,667 |
| Net loans and leases to deposits | 25.7377% | 4,644 |
| Net loans and leases to core deposits | 27.1855% | 4,632 |
| Total domestic deposits to total assets | 78.3922% | 4,379 |
| Equity capital to assets | 14.0332% | 526 |
| Core capital (leverage) ratio | 9.4781% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0387% | 262 |
| Memoranda: | ||
| Average total assets | $75,476,000 | 4,280 |
| Average earning assets | $72,020,000 | 4,239 |
| Average equity | $14,969,000 | 3,566 |
| Average total loans | $14,701,500 | 4,606 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2032% | 4,620 |
| Cost of funding earning assets | 0.6362% | 457 |
| Net interest margin | 1.5670% | 4,718 |
| Noninterest income to average assets | 0.1310% | 4,490 |
| Noninterest expense to average assets | 1.7864% | 4,169 |
| Loan and lease loss provision to assets | -0.0206% | 4,229 |
| Net operating income to assets | -0.0435% | 4,693 |
| Return on assets (ROA) | -0.0522% | 4,701 |
| Pretax return on assets | -0.1164% | 4,712 |
| Return on Equity (ROE) | -0.2083% | 4,697 |
| Retained earnings to average equity (ytd only) | -0.2228% | 4,518 |
| Net charge-offs to loans | -0.0853% | 4,533 |
| Credit loss provision to net charge-offs | 113.3333% | 1,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5968% | 107 |
| Assets per employee ($millions) | 8.3120% | 1,166 |
| Cash dividends to net income (ytd only)* | -6.9767% | 4,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8536% | 174 |
| Loan loss allowance to noncurrent loans | 137.1069% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 1,697 |
| Noncurrent loans to loans | 2.0813% | 372 |
| Net loans and leases to total assets | 17.8573% | 4,734 |
| Net loans and leases to deposits | 23.7378% | 4,713 |
| Net loans and leases to core deposits | 25.2849% | 4,703 |
| Total domestic deposits to total assets | 75.2274% | 4,543 |
| Equity capital to assets | 24.5657% | 98 |
| Core capital (leverage) ratio | 25.0024% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,454,200 | 4,181 |
| Average earning assets | $80,473,800 | 4,128 |
| Average equity | $20,642,400 | 3,163 |
| Average total loans | $17,583,800 | 4,603 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2663% | 4,686 |
| Cost of funding earning assets | 0.6397% | 516 |
| Net interest margin | 1.6266% | 4,788 |
| Noninterest income to average assets | 0.1329% | 4,533 |
| Noninterest expense to average assets | 1.6819% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0373% | 4,726 |
| Return on assets (ROA) | 0.0259% | 4,743 |
| Pretax return on assets | 0.0259% | 4,744 |
| Return on Equity (ROE) | 0.1031% | 4,749 |
| Retained earnings to average equity (ytd only) | 0.0837% | 4,550 |
| Net charge-offs to loans | -0.1101% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8322% | 175 |
| Assets per employee ($millions) | 7.4471% | 1,599 |
| Cash dividends to net income (ytd only)* | 18.7500% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5021% | 287 |
| Loan loss allowance to noncurrent loans | 140.6832% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 1,877 |
| Noncurrent loans to loans | 1.7785% | 548 |
| Net loans and leases to total assets | 21.5484% | 4,776 |
| Net loans and leases to deposits | 28.9249% | 4,723 |
| Net loans and leases to core deposits | 31.0038% | 4,707 |
| Total domestic deposits to total assets | 74.4977% | 4,618 |
| Equity capital to assets | 25.2069% | 94 |
| Core capital (leverage) ratio | 25.1637% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,287,750 | 4,237 |
| Average earning assets | $80,247,750 | 4,178 |
| Average equity | $20,698,250 | 3,196 |
| Average total loans | $18,160,000 | 4,662 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2989% | 4,725 |
| Cost of funding earning assets | 0.6440% | 594 |
| Net interest margin | 1.6549% | 4,818 |
| Noninterest income to average assets | 0.1238% | 4,583 |
| Noninterest expense to average assets | 1.6770% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0558% | 4,745 |
| Return on assets (ROA) | 0.0461% | 4,761 |
| Pretax return on assets | 0.0461% | 4,762 |
| Return on Equity (ROE) | 0.1834% | 4,773 |
| Retained earnings to average equity (ytd only) | 0.1545% | 4,487 |
| Net charge-offs to loans | -0.1430% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7787% | 203 |
| Assets per employee ($millions) | 7.6028% | 1,420 |
| Cash dividends to net income (ytd only)* | 15.7895% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5680% | 256 |
| Loan loss allowance to noncurrent loans | 134.6269% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 1,920 |
| Noncurrent loans to loans | 1.9075% | 522 |
| Net loans and leases to total assets | 20.4601% | 4,829 |
| Net loans and leases to deposits | 27.2768% | 4,793 |
| Net loans and leases to core deposits | 29.4287% | 4,784 |
| Total domestic deposits to total assets | 75.0093% | 4,618 |
| Equity capital to assets | 24.7169% | 98 |
| Core capital (leverage) ratio | 25.1153% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,411,000 | 4,261 |
| Average earning assets | $80,125,000 | 4,205 |
| Average equity | $20,714,667 | 3,186 |
| Average total loans | $18,178,333 | 4,696 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2663% | 4,769 |
| Cost of funding earning assets | 0.6562% | 667 |
| Net interest margin | 1.6102% | 4,863 |
| Noninterest income to average assets | 0.1076% | 4,649 |
| Noninterest expense to average assets | 1.7261% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0587% | 4,793 |
| Return on assets (ROA) | -0.0636% | 4,800 |
| Pretax return on assets | -0.0636% | 4,801 |
| Return on Equity (ROE) | -0.2508% | 4,792 |
| Retained earnings to average equity (ytd only) | -0.2508% | 4,386 |
| Net charge-offs to loans | -0.0433% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5191% | 156 |
| Assets per employee ($millions) | 7.5061% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4394% | 287 |
| Loan loss allowance to noncurrent loans | 72.9685% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 1,210 |
| Noncurrent loans to loans | 3.3431% | 215 |
| Net loans and leases to total assets | 21.3124% | 4,843 |
| Net loans and leases to deposits | 28.4295% | 4,814 |
| Net loans and leases to core deposits | 30.5684% | 4,805 |
| Total domestic deposits to total assets | 74.9658% | 4,631 |
| Equity capital to assets | 24.7884% | 96 |
| Core capital (leverage) ratio | 25.3339% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,801,000 | 4,283 |
| Average earning assets | $79,246,500 | 4,230 |
| Average equity | $20,736,500 | 3,175 |
| Average total loans | $18,486,500 | 4,720 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7481% | 4,776 |
| Cost of funding earning assets | 0.7574% | 1,410 |
| Net interest margin | 1.9907% | 4,827 |
| Noninterest income to average assets | 0.1251% | 4,649 |
| Noninterest expense to average assets | 1.8130% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3570% | 4,332 |
| Return on assets (ROA) | 0.3594% | 4,399 |
| Pretax return on assets | 0.2490% | 4,603 |
| Return on Equity (ROE) | 1.4016% | 4,633 |
| Retained earnings to average equity (ytd only) | 1.3729% | 4,078 |
| Net charge-offs to loans | -0.4677% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0286% | 447 |
| Assets per employee ($millions) | 7.3668% | 1,355 |
| Cash dividends to net income (ytd only)* | 2.0478% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3131% | 343 |
| Loan loss allowance to noncurrent loans | 70.7593% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 1,297 |
| Noncurrent loans to loans | 3.2689% | 240 |
| Net loans and leases to total assets | 22.8272% | 4,865 |
| Net loans and leases to deposits | 30.9704% | 4,823 |
| Net loans and leases to core deposits | 33.5109% | 4,817 |
| Total domestic deposits to total assets | 73.7064% | 4,649 |
| Equity capital to assets | 25.9221% | 88 |
| Core capital (leverage) ratio | 25.7591% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,522,000 | 4,223 |
| Average earning assets | $79,219,000 | 4,169 |
| Average equity | $20,904,600 | 3,101 |
| Average total loans | $18,175,600 | 4,749 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8336% | 4,819 |
| Cost of funding earning assets | 0.7839% | 1,572 |
| Net interest margin | 2.0496% | 4,869 |
| Noninterest income to average assets | 0.1274% | 4,654 |
| Noninterest expense to average assets | 1.8013% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3952% | 4,273 |
| Return on assets (ROA) | 0.4017% | 4,325 |
| Pretax return on assets | 0.3266% | 4,521 |
| Return on Equity (ROE) | 1.5709% | 4,613 |
| Retained earnings to average equity (ytd only) | 1.5517% | 4,067 |
| Net charge-offs to loans | -0.5115% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9115% | 565 |
| Assets per employee ($millions) | 7.2604% | 1,345 |
| Cash dividends to net income (ytd only)* | 1.2195% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4251% | 254 |
| Loan loss allowance to noncurrent loans | 45.1820% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 845 |
| Noncurrent loans to loans | 5.3675% | 88 |
| Net loans and leases to total assets | 21.2599% | 4,917 |
| Net loans and leases to deposits | 29.0587% | 4,897 |
| Net loans and leases to core deposits | 31.8215% | 4,891 |
| Total domestic deposits to total assets | 73.1619% | 4,624 |
| Equity capital to assets | 26.3448% | 83 |
| Core capital (leverage) ratio | 26.0328% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,643,750 | 4,236 |
| Average earning assets | $79,426,500 | 4,174 |
| Average equity | $20,879,250 | 3,104 |
| Average total loans | $17,985,500 | 4,785 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9668% | 4,858 |
| Cost of funding earning assets | 0.7998% | 1,828 |
| Net interest margin | 2.1670% | 4,891 |
| Noninterest income to average assets | 0.1216% | 4,694 |
| Noninterest expense to average assets | 1.7778% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4767% | 4,070 |
| Return on assets (ROA) | 0.4937% | 4,110 |
| Pretax return on assets | 0.4694% | 4,300 |
| Return on Equity (ROE) | 1.9495% | 4,545 |
| Retained earnings to average equity (ytd only) | 1.9207% | 3,791 |
| Net charge-offs to loans | -0.5830% | 5,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7165% | 914 |
| Assets per employee ($millions) | 6.7020% | 1,633 |
| Cash dividends to net income (ytd only)* | 1.4778% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2610% | 302 |
| Loan loss allowance to noncurrent loans | 39.8039% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.3205% | 777 |
| Noncurrent loans to loans | 5.6802% | 81 |
| Net loans and leases to total assets | 21.8231% | 4,944 |
| Net loans and leases to deposits | 29.7349% | 4,928 |
| Net loans and leases to core deposits | 32.5199% | 4,916 |
| Total domestic deposits to total assets | 73.3923% | 4,631 |
| Equity capital to assets | 26.1066% | 87 |
| Core capital (leverage) ratio | 25.3551% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,237,000 | 4,229 |
| Average earning assets | $80,019,667 | 4,173 |
| Average equity | $20,825,667 | 3,095 |
| Average total loans | $18,180,333 | 4,812 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1806% | 4,874 |
| Cost of funding earning assets | 0.8211% | 2,273 |
| Net interest margin | 2.3595% | 4,899 |
| Noninterest income to average assets | 0.1299% | 4,719 |
| Noninterest expense to average assets | 1.7560% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5817% | 3,654 |
| Return on assets (ROA) | 0.6110% | 3,625 |
| Pretax return on assets | 0.7024% | 3,684 |
| Return on Equity (ROE) | 2.4493% | 4,355 |
| Retained earnings to average equity (ytd only) | 2.4493% | 3,291 |
| Net charge-offs to loans | -1.1152% | 5,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4206% | 2,014 |
| Assets per employee ($millions) | 6.9111% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2487% | 350 |
| Loan loss allowance to noncurrent loans | 43.1624% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 1,066 |
| Noncurrent loans to loans | 5.2098% | 115 |
| Net loans and leases to total assets | 21.1761% | 5,003 |
| Net loans and leases to deposits | 28.4446% | 4,987 |
| Net loans and leases to core deposits | 32.1054% | 4,964 |
| Total domestic deposits to total assets | 74.4468% | 4,626 |
| Equity capital to assets | 25.1010% | 112 |
| Core capital (leverage) ratio | 25.0948% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,143,500 | 4,224 |
| Average earning assets | $80,864,500 | 4,153 |
| Average equity | $20,740,500 | 3,097 |
| Average total loans | $18,292,000 | 4,840 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 4,943 |
| Cost of funding earning assets | 0.8254% | 2,559 |
| Net interest margin | 2.5162% | 4,959 |
| Noninterest income to average assets | 0.1638% | 4,669 |
| Noninterest expense to average assets | 1.8255% | 4,744 |
| Loan and lease loss provision to assets | 0.0585% | 2,867 |
| Net operating income to assets | 0.6589% | 3,991 |
| Return on assets (ROA) | 0.6448% | 4,098 |
| Pretax return on assets | 0.6904% | 4,223 |
| Return on Equity (ROE) | 2.7388% | 4,701 |
| Retained earnings to average equity (ytd only) | 2.7090% | 3,681 |
| Net charge-offs to loans | 1.4116% | 103 |
| Credit loss provision to net charge-offs | 17.9211% | 3,327 |
| Earnings coverage of net charge-offs (x) | 2.3405% | 3,426 |
| Efficiency ratio | 70.4925% | 2,103 |
| Assets per employee ($millions) | 6.9462% | 1,061 |
| Cash dividends to net income (ytd only)* | 1.0889% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 558 |
| Loan loss allowance to noncurrent loans | 36.2423% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 955 |
| Noncurrent loans to loans | 5.2315% | 93 |
| Net loans and leases to total assets | 21.9126% | 5,056 |
| Net loans and leases to deposits | 29.3202% | 5,040 |
| Net loans and leases to core deposits | 33.0648% | 5,023 |
| Total domestic deposits to total assets | 74.7355% | 4,721 |
| Equity capital to assets | 24.7907% | 125 |
| Core capital (leverage) ratio | 24.4367% | 131 |
| Tier 1 risk-based capital ratio | 57.1809% | 102 |
| Total risk-based capital ratio | 58.1604% | 102 |
| Memoranda: | ||
| Average total assets | $85,458,000 | 4,211 |
| Average earning assets | $82,385,800 | 4,150 |
| Average equity | $20,118,200 | 3,120 |
| Average total loans | $19,764,400 | 4,867 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4074% | 5,020 |
| Cost of funding earning assets | 0.8125% | 2,646 |
| Net interest margin | 2.5950% | 5,005 |
| Noninterest income to average assets | 0.1690% | 4,705 |
| Noninterest expense to average assets | 1.7817% | 4,841 |
| Loan and lease loss provision to assets | 0.0775% | 2,353 |
| Net operating income to assets | 0.7523% | 3,843 |
| Return on assets (ROA) | 0.7350% | 3,964 |
| Pretax return on assets | 0.7924% | 4,132 |
| Return on Equity (ROE) | 3.1628% | 4,742 |
| Retained earnings to average equity (ytd only) | 3.1428% | 3,833 |
| Net charge-offs to loans | 0.3126% | 558 |
| Credit loss provision to net charge-offs | 106.3830% | 2,145 |
| Earnings coverage of net charge-offs (x) | 12.1905% | 2,375 |
| Efficiency ratio | 66.7247% | 2,630 |
| Assets per employee ($millions) | 6.8908% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.6329% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0294% | 130 |
| Loan loss allowance to noncurrent loans | 50.0428% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.4887% | 755 |
| Noncurrent loans to loans | 6.0535% | 73 |
| Net loans and leases to total assets | 22.6460% | 5,140 |
| Net loans and leases to deposits | 30.4142% | 5,121 |
| Net loans and leases to core deposits | 35.1609% | 5,090 |
| Total domestic deposits to total assets | 74.4588% | 4,786 |
| Equity capital to assets | 25.0103% | 127 |
| Core capital (leverage) ratio | 25.2158% | 118 |
| Tier 1 risk-based capital ratio | 56.9623% | 105 |
| Total risk-based capital ratio | 58.2150% | 103 |
| Memoranda: | ||
| Average total assets | $85,984,000 | 4,253 |
| Average earning assets | $82,875,250 | 4,194 |
| Average equity | $19,981,750 | 3,155 |
| Average total loans | $20,051,000 | 4,935 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4150% | 5,071 |
| Cost of funding earning assets | 0.7853% | 2,714 |
| Net interest margin | 2.6297% | 5,052 |
| Noninterest income to average assets | 0.1516% | 4,823 |
| Noninterest expense to average assets | 1.6995% | 4,979 |
| Loan and lease loss provision to assets | 0.0689% | 2,441 |
| Net operating income to assets | 0.8153% | 3,601 |
| Return on assets (ROA) | 0.7970% | 3,723 |
| Pretax return on assets | 0.9003% | 3,841 |
| Return on Equity (ROE) | 3.5142% | 4,683 |
| Retained earnings to average equity (ytd only) | 3.4838% | 3,495 |
| Net charge-offs to loans | 0.6700% | 228 |
| Credit loss provision to net charge-offs | 44.1176% | 2,515 |
| Earnings coverage of net charge-offs (x) | 6.3382% | 2,580 |
| Efficiency ratio | 63.1939% | 3,256 |
| Assets per employee ($millions) | 7.4448% | 836 |
| Cash dividends to net income (ytd only)* | 0.8646% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7574% | 163 |
| Loan loss allowance to noncurrent loans | 53.8614% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3493% | 914 |
| Noncurrent loans to loans | 5.1194% | 100 |
| Net loans and leases to total assets | 23.4269% | 5,182 |
| Net loans and leases to deposits | 31.4426% | 5,156 |
| Net loans and leases to core deposits | 36.4076% | 5,119 |
| Total domestic deposits to total assets | 74.5070% | 4,799 |
| Equity capital to assets | 25.0437% | 126 |
| Core capital (leverage) ratio | 24.5398% | 125 |
| Tier 1 risk-based capital ratio | 55.6455% | 110 |
| Total risk-based capital ratio | 56.8971% | 106 |
| Memoranda: | ||
| Average total assets | $87,082,000 | 4,267 |
| Average earning assets | $84,040,000 | 4,205 |
| Average equity | $19,748,670 | 3,169 |
| Average total loans | $20,297,670 | 4,973 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3410% | 5,156 |
| Cost of funding earning assets | 0.7394% | 2,838 |
| Net interest margin | 2.6016% | 5,136 |
| Noninterest income to average assets | 0.1338% | 4,928 |
| Noninterest expense to average assets | 1.6504% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8259% | 3,527 |
| Return on assets (ROA) | 0.8073% | 3,631 |
| Pretax return on assets | 0.9724% | 3,531 |
| Return on Equity (ROE) | 3.7380% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.7380% | 3,428 |
| Net charge-offs to loans | 1.0883% | 122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.9821% | 2,358 |
| Efficiency ratio | 62.3946% | 3,471 |
| Assets per employee ($millions) | 7.9329% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5376% | 235 |
| Loan loss allowance to noncurrent loans | 80.3053% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 1,753 |
| Noncurrent loans to loans | 3.1600% | 325 |
| Net loans and leases to total assets | 21.2217% | 5,255 |
| Net loans and leases to deposits | 26.8762% | 5,248 |
| Net loans and leases to core deposits | 30.2063% | 5,235 |
| Total domestic deposits to total assets | 78.9611% | 4,359 |
| Equity capital to assets | 20.8057% | 209 |
| Core capital (leverage) ratio | 23.9195% | 132 |
| Tier 1 risk-based capital ratio | 50.4825% | 125 |
| Total risk-based capital ratio | 51.7319% | 124 |
| Memoranda: | ||
| Average total assets | $89,676,500 | 4,269 |
| Average earning assets | $86,561,500 | 4,213 |
| Average equity | $19,368,500 | 3,216 |
| Average total loans | $20,582,000 | 5,025 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5776% | 4,826 |
| Cost of funding earning assets | 0.6830% | 2,191 |
| Net interest margin | 2.8946% | 4,926 |
| Noninterest income to average assets | 0.1466% | 4,978 |
| Noninterest expense to average assets | 1.9147% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7770% | 3,892 |
| Return on assets (ROA) | 0.7608% | 3,939 |
| Pretax return on assets | 0.9724% | 3,696 |
| Return on Equity (ROE) | 3.4345% | 4,832 |
| Retained earnings to average equity (ytd only) | 3.4020% | 3,720 |
| Net charge-offs to loans | 0.4878% | 368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 8.3434% | 2,906 |
| Efficiency ratio | 65.8537% | 2,890 |
| Assets per employee ($millions) | 6.4737% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.9479% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8479% | 152 |
| Loan loss allowance to noncurrent loans | 87.1257% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9292% | 1,484 |
| Noncurrent loans to loans | 3.2687% | 291 |
| Net loans and leases to total assets | 23.5913% | 5,282 |
| Net loans and leases to deposits | 30.5451% | 5,261 |
| Net loans and leases to core deposits | 34.9112% | 5,234 |
| Total domestic deposits to total assets | 77.2345% | 4,599 |
| Equity capital to assets | 22.4946% | 159 |
| Core capital (leverage) ratio | 24.1767% | 126 |
| Tier 1 risk-based capital ratio | 53.1992% | 119 |
| Total risk-based capital ratio | 54.4534% | 118 |
| Memoranda: | ||
| Average total assets | $83,199,000 | 4,372 |
| Average earning assets | $79,354,800 | 4,328 |
| Average equity | $18,430,600 | 3,250 |
| Average total loans | $20,294,200 | 5,067 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5814% | 4,832 |
| Cost of funding earning assets | 0.6544% | 2,126 |
| Net interest margin | 2.9270% | 4,939 |
| Noninterest income to average assets | 0.1463% | 5,043 |
| Noninterest expense to average assets | 1.8916% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8124% | 3,864 |
| Return on assets (ROA) | 0.7972% | 3,919 |
| Pretax return on assets | 1.0173% | 3,668 |
| Return on Equity (ROE) | 3.6127% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.5908% | 3,972 |
| Net charge-offs to loans | 0.4870% | 326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.7166% | 2,682 |
| Efficiency ratio | 64.5993% | 3,089 |
| Assets per employee ($millions) | 5.8294% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.6049% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0241% | 137 |
| Loan loss allowance to noncurrent loans | 88.4840% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 1,530 |
| Noncurrent loans to loans | 3.4177% | 288 |
| Net loans and leases to total assets | 23.8507% | 5,353 |
| Net loans and leases to deposits | 30.7820% | 5,329 |
| Net loans and leases to core deposits | 34.6716% | 5,313 |
| Total domestic deposits to total assets | 77.4825% | 4,571 |
| Equity capital to assets | 22.2283% | 157 |
| Core capital (leverage) ratio | 23.8865% | 126 |
| Tier 1 risk-based capital ratio | 48.5978% | 143 |
| Total risk-based capital ratio | 49.8512% | 142 |
| Memoranda: | ||
| Average total assets | $82,959,250 | 4,422 |
| Average earning assets | $78,849,250 | 4,382 |
| Average equity | $18,305,500 | 3,280 |
| Average total loans | $20,258,750 | 5,128 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 4,781 |
| Cost of funding earning assets | 0.6450% | 1,958 |
| Net interest margin | 2.9440% | 4,956 |
| Noninterest income to average assets | 0.1415% | 5,112 |
| Noninterest expense to average assets | 1.7336% | 5,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9402% | 3,273 |
| Return on assets (ROA) | 0.9232% | 3,351 |
| Pretax return on assets | 1.1773% | 3,020 |
| Return on Equity (ROE) | 4.1938% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.1611% | 3,530 |
| Net charge-offs to loans | 0.6988% | 208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.0423% | 2,581 |
| Efficiency ratio | 59.1169% | 4,069 |
| Assets per employee ($millions) | 6.2556% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.7792% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9692% | 145 |
| Loan loss allowance to noncurrent loans | 79.6345% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 1,366 |
| Noncurrent loans to loans | 3.7286% | 251 |
| Net loans and leases to total assets | 24.5121% | 5,404 |
| Net loans and leases to deposits | 31.7466% | 5,376 |
| Net loans and leases to core deposits | 35.7650% | 5,345 |
| Total domestic deposits to total assets | 77.2119% | 4,708 |
| Equity capital to assets | 22.5176% | 153 |
| Core capital (leverage) ratio | 23.7534% | 129 |
| Tier 1 risk-based capital ratio | 49.9521% | 134 |
| Total risk-based capital ratio | 51.2049% | 132 |
| Memoranda: | ||
| Average total assets | $83,408,330 | 4,460 |
| Average earning assets | $79,075,330 | 4,418 |
| Average equity | $18,360,330 | 3,292 |
| Average total loans | $20,321,000 | 5,188 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 4,810 |
| Cost of funding earning assets | 0.6331% | 1,823 |
| Net interest margin | 2.9042% | 5,020 |
| Noninterest income to average assets | 0.1184% | 5,260 |
| Noninterest expense to average assets | 1.6483% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9471% | 3,084 |
| Return on assets (ROA) | 0.9283% | 3,185 |
| Pretax return on assets | 1.1841% | 2,824 |
| Return on Equity (ROE) | 4.2645% | 4,693 |
| Retained earnings to average equity (ytd only) | -6.8971% | 5,281 |
| Net charge-offs to loans | 0.9303% | 147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.4255% | 2,241 |
| Efficiency ratio | 57.7114% | 4,385 |
| Assets per employee ($millions) | 6.5507% | 1,176 |
| Cash dividends to net income (ytd only)* | 261.7347% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1786% | 124 |
| Loan loss allowance to noncurrent loans | 72.0455% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1508% | 1,335 |
| Noncurrent loans to loans | 4.4119% | 204 |
| Net loans and leases to total assets | 22.6776% | 5,479 |
| Net loans and leases to deposits | 28.9240% | 5,461 |
| Net loans and leases to core deposits | 32.3349% | 5,433 |
| Total domestic deposits to total assets | 78.4039% | 4,666 |
| Equity capital to assets | 21.4023% | 169 |
| Core capital (leverage) ratio | 23.4457% | 132 |
| Tier 1 risk-based capital ratio | 49.4123% | 135 |
| Total risk-based capital ratio | 50.6632% | 134 |
| Memoranda: | ||
| Average total assets | $84,451,000 | 4,488 |
| Average earning assets | $79,609,000 | 4,451 |
| Average equity | $18,384,500 | 3,318 |
| Average total loans | $20,209,500 | 5,249 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 4,725 |
| Cost of funding earning assets | 0.6412% | 1,349 |
| Net interest margin | 2.8941% | 5,051 |
| Noninterest income to average assets | 0.1592% | 5,164 |
| Noninterest expense to average assets | 1.8948% | 5,118 |
| Loan and lease loss provision to assets | -0.1188% | 5,503 |
| Net operating income to assets | 0.9402% | 2,494 |
| Return on assets (ROA) | 0.9207% | 2,621 |
| Pretax return on assets | 1.1262% | 3,076 |
| Return on Equity (ROE) | 4.2170% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.1843% | 2,655 |
| Net charge-offs to loans | -0.1189% | 5,419 |
| Credit loss provision to net charge-offs | 416.6667% | 733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7584% | 3,488 |
| Assets per employee ($millions) | 6.4418% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.7742% | 4,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3263% | 100 |
| Loan loss allowance to noncurrent loans | 113.5000% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 1,782 |
| Noncurrent loans to loans | 2.9307% | 390 |
| Net loans and leases to total assets | 23.6342% | 5,536 |
| Net loans and leases to deposits | 30.4403% | 5,510 |
| Net loans and leases to core deposits | 34.1447% | 5,486 |
| Total domestic deposits to total assets | 77.6411% | 4,770 |
| Equity capital to assets | 22.1427% | 149 |
| Core capital (leverage) ratio | 22.9141% | 124 |
| Tier 1 risk-based capital ratio | 49.2824% | 120 |
| Total risk-based capital ratio | 50.5376% | 121 |
| Memoranda: | ||
| Average total assets | $84,176,800 | 4,507 |
| Average earning assets | $80,475,400 | 4,456 |
| Average equity | $18,378,200 | 3,318 |
| Average total loans | $20,189,000 | 5,310 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,736 |
| Cost of funding earning assets | 0.6417% | 1,293 |
| Net interest margin | 2.8912% | 5,098 |
| Noninterest income to average assets | 0.1550% | 5,246 |
| Noninterest expense to average assets | 1.8666% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8124% | 3,474 |
| Return on assets (ROA) | 0.7941% | 3,595 |
| Pretax return on assets | 1.0298% | 3,568 |
| Return on Equity (ROE) | 3.6501% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.6283% | 3,762 |
| Net charge-offs to loans | -0.0596% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9220% | 3,563 |
| Assets per employee ($millions) | 5.9108% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.5976% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7753% | 81 |
| Loan loss allowance to noncurrent loans | 164.7312% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 2,345 |
| Noncurrent loans to loans | 2.2918% | 694 |
| Net loans and leases to total assets | 23.5937% | 5,606 |
| Net loans and leases to deposits | 30.6422% | 5,576 |
| Net loans and leases to core deposits | 34.6354% | 5,542 |
| Total domestic deposits to total assets | 76.9973% | 4,897 |
| Equity capital to assets | 22.7937% | 135 |
| Core capital (leverage) ratio | 22.8717% | 128 |
| Tier 1 risk-based capital ratio | 49.5771% | 128 |
| Total risk-based capital ratio | 50.8368% | 129 |
| Memoranda: | ||
| Average total assets | $84,285,250 | 4,554 |
| Average earning assets | $80,611,250 | 4,499 |
| Average equity | $18,337,000 | 3,352 |
| Average total loans | $20,118,000 | 5,366 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 4,748 |
| Cost of funding earning assets | 0.6338% | 1,238 |
| Net interest margin | 2.8732% | 5,132 |
| Noninterest income to average assets | 0.1509% | 5,307 |
| Noninterest expense to average assets | 1.7925% | 5,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8478% | 3,166 |
| Return on assets (ROA) | 0.8279% | 3,310 |
| Pretax return on assets | 1.0802% | 3,263 |
| Return on Equity (ROE) | 3.8652% | 4,857 |
| Retained earnings to average equity (ytd only) | 3.8322% | 3,411 |
| Net charge-offs to loans | 0.1695% | 1,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 27.5882% | 1,535 |
| Efficiency ratio | 61.8389% | 4,019 |
| Assets per employee ($millions) | 5.6189% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.8547% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6558% | 81 |
| Loan loss allowance to noncurrent loans | 106.6282% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.0038% | 1,744 |
| Noncurrent loans to loans | 3.4285% | 341 |
| Net loans and leases to total assets | 23.1387% | 5,660 |
| Net loans and leases to deposits | 29.8634% | 5,630 |
| Net loans and leases to core deposits | 33.5564% | 5,606 |
| Total domestic deposits to total assets | 77.4818% | 4,891 |
| Equity capital to assets | 22.3426% | 139 |
| Core capital (leverage) ratio | 22.5768% | 131 |
| Tier 1 risk-based capital ratio | 48.7165% | 128 |
| Total risk-based capital ratio | 49.9744% | 127 |
| Memoranda: | ||
| Average total assets | $84,796,670 | 4,576 |
| Average earning assets | $81,094,330 | 4,515 |
| Average equity | $18,162,000 | 3,377 |
| Average total loans | $20,060,670 | 5,409 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 4,683 |
| Cost of funding earning assets | 0.6310% | 1,183 |
| Net interest margin | 2.8739% | 5,131 |
| Noninterest income to average assets | 0.1599% | 5,318 |
| Noninterest expense to average assets | 1.8153% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8183% | 3,136 |
| Return on assets (ROA) | 0.8042% | 3,264 |
| Pretax return on assets | 1.0676% | 3,099 |
| Return on Equity (ROE) | 3.8368% | 4,837 |
| Retained earnings to average equity (ytd only) | 3.8368% | 3,538 |
| Net charge-offs to loans | 0.2003% | 860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 23.1000% | 1,392 |
| Efficiency ratio | 62.5608% | 4,066 |
| Assets per employee ($millions) | 5.6803% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7534% | 96 |
| Loan loss allowance to noncurrent loans | 185.8209% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 2,644 |
| Noncurrent loans to loans | 2.0199% | 881 |
| Net loans and leases to total assets | 22.4813% | 5,720 |
| Net loans and leases to deposits | 28.6207% | 5,697 |
| Net loans and leases to core deposits | 32.0393% | 5,666 |
| Total domestic deposits to total assets | 78.5491% | 4,901 |
| Equity capital to assets | 21.2701% | 161 |
| Core capital (leverage) ratio | 21.9913% | 138 |
| Tier 1 risk-based capital ratio | 48.1089% | 146 |
| Total risk-based capital ratio | 49.3679% | 144 |
| Memoranda: | ||
| Average total assets | $85,053,500 | 4,624 |
| Average earning assets | $81,145,000 | 4,564 |
| Average equity | $17,827,500 | 3,430 |
| Average total loans | $19,970,000 | 5,466 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5468% | 4,645 |
| Cost of funding earning assets | 0.6520% | 1,044 |
| Net interest margin | 2.8948% | 5,147 |
| Noninterest income to average assets | 0.1842% | 5,297 |
| Noninterest expense to average assets | 1.7788% | 5,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9045% | 2,796 |
| Return on assets (ROA) | 0.9804% | 2,542 |
| Pretax return on assets | 1.2606% | 2,435 |
| Return on Equity (ROE) | 4.6480% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.6154% | 2,628 |
| Net charge-offs to loans | -0.3132% | 5,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4588% | 4,515 |
| Assets per employee ($millions) | 5.6602% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.7001% | 4,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7778% | 90 |
| Loan loss allowance to noncurrent loans | 193.1122% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 2,663 |
| Noncurrent loans to loans | 1.9563% | 930 |
| Net loans and leases to total assets | 22.7094% | 5,778 |
| Net loans and leases to deposits | 28.7600% | 5,751 |
| Net loans and leases to core deposits | 31.9333% | 5,732 |
| Total domestic deposits to total assets | 78.9619% | 4,807 |
| Equity capital to assets | 20.6494% | 189 |
| Core capital (leverage) ratio | 21.3956% | 152 |
| Tier 1 risk-based capital ratio | 46.8455% | 160 |
| Total risk-based capital ratio | 48.1028% | 157 |
| Memoranda: | ||
| Average total assets | $87,417,400 | 4,597 |
| Average earning assets | $83,286,400 | 4,533 |
| Average equity | $18,438,200 | 3,347 |
| Average total loans | $19,796,000 | 5,525 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 4,705 |
| Cost of funding earning assets | 0.6555% | 1,031 |
| Net interest margin | 2.8855% | 5,215 |
| Noninterest income to average assets | 0.1863% | 5,344 |
| Noninterest expense to average assets | 1.7702% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9118% | 2,847 |
| Return on assets (ROA) | 1.0146% | 2,503 |
| Pretax return on assets | 1.3008% | 2,429 |
| Return on Equity (ROE) | 4.7861% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.7646% | 2,980 |
| Net charge-offs to loans | -0.4121% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2267% | 4,509 |
| Assets per employee ($millions) | 5.7367% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.4478% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8393% | 86 |
| Loan loss allowance to noncurrent loans | 124.9587% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 2,258 |
| Noncurrent loans to loans | 3.0725% | 477 |
| Net loans and leases to total assets | 22.0046% | 5,844 |
| Net loans and leases to deposits | 28.4724% | 5,830 |
| Net loans and leases to core deposits | 31.8027% | 5,808 |
| Total domestic deposits to total assets | 77.2841% | 5,033 |
| Equity capital to assets | 22.1406% | 158 |
| Core capital (leverage) ratio | 21.2893% | 157 |
| Tier 1 risk-based capital ratio | 47.2435% | 156 |
| Total risk-based capital ratio | 48.5010% | 156 |
| Memoranda: | ||
| Average total assets | $88,046,000 | 4,618 |
| Average earning assets | $84,005,250 | 4,555 |
| Average equity | $18,664,750 | 3,349 |
| Average total loans | $19,735,500 | 5,580 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 4,714 |
| Cost of funding earning assets | 0.6496% | 1,056 |
| Net interest margin | 2.9081% | 5,254 |
| Noninterest income to average assets | 0.2029% | 5,280 |
| Noninterest expense to average assets | 1.7134% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0021% | 2,391 |
| Return on assets (ROA) | 1.0619% | 2,240 |
| Pretax return on assets | 1.3617% | 2,158 |
| Return on Equity (ROE) | 5.0821% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.0497% | 2,705 |
| Net charge-offs to loans | -0.2633% | 5,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 5,010 |
| Assets per employee ($millions) | 6.2783% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.6369% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6409% | 109 |
| Loan loss allowance to noncurrent loans | 189.2388% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 3,085 |
| Noncurrent loans to loans | 1.9240% | 1,051 |
| Net loans and leases to total assets | 21.7097% | 5,921 |
| Net loans and leases to deposits | 27.9009% | 5,907 |
| Net loans and leases to core deposits | 30.8925% | 5,882 |
| Total domestic deposits to total assets | 77.8101% | 5,033 |
| Equity capital to assets | 21.6267% | 164 |
| Core capital (leverage) ratio | 20.5397% | 176 |
| Tier 1 risk-based capital ratio | 46.1694% | 166 |
| Total risk-based capital ratio | 47.4269% | 164 |
| Memoranda: | ||
| Average total assets | $88,711,330 | 4,644 |
| Average earning assets | $85,277,670 | 4,555 |
| Average equity | $18,535,670 | 3,368 |
| Average total loans | $19,750,330 | 5,642 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,500 |
| Cost of funding earning assets | 0.6500% | 1,054 |
| Net interest margin | 2.9928% | 5,137 |
| Noninterest income to average assets | 0.1526% | 5,575 |
| Noninterest expense to average assets | 1.7056% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0725% | 2,007 |
| Return on assets (ROA) | 1.0907% | 2,041 |
| Pretax return on assets | 1.3420% | 2,131 |
| Return on Equity (ROE) | 5.3118% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.3118% | 2,760 |
| Net charge-offs to loans | -0.1622% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3798% | 5,161 |
| Assets per employee ($millions) | 6.4078% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5538% | 125 |
| Loan loss allowance to noncurrent loans | 130.6122% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 2,695 |
| Noncurrent loans to loans | 2.7208% | 646 |
| Net loans and leases to total assets | 21.2978% | 5,975 |
| Net loans and leases to deposits | 27.0099% | 5,962 |
| Net loans and leases to core deposits | 29.5511% | 5,950 |
| Total domestic deposits to total assets | 78.8516% | 5,003 |
| Equity capital to assets | 20.6847% | 189 |
| Core capital (leverage) ratio | 20.2892% | 186 |
| Tier 1 risk-based capital ratio | 45.1927% | 171 |
| Total risk-based capital ratio | 46.4489% | 169 |
| Memoranda: | ||
| Average total assets | $89,119,000 | 4,675 |
| Average earning assets | $85,538,500 | 4,585 |
| Average equity | $18,299,000 | 3,399 |
| Average total loans | $19,724,000 | 5,694 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3411% | 5,272 |
| Cost of funding earning assets | 0.6867% | 877 |
| Net interest margin | 2.6544% | 5,700 |
| Noninterest income to average assets | 0.1345% | 5,741 |
| Noninterest expense to average assets | 1.6817% | 5,862 |
| Loan and lease loss provision to assets | 0.0452% | 3,421 |
| Net operating income to assets | 0.7508% | 3,564 |
| Return on assets (ROA) | 0.7787% | 3,502 |
| Pretax return on assets | 1.0081% | 3,439 |
| Return on Equity (ROE) | 3.9362% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.9019% | 3,261 |
| Net charge-offs to loans | -0.0718% | 5,678 |
| Credit loss provision to net charge-offs | -285.7143% | 5,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3116% | 4,556 |
| Assets per employee ($millions) | 6.3235% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.8708% | 4,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5391% | 125 |
| Loan loss allowance to noncurrent loans | 120.8696% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 2,541 |
| Noncurrent loans to loans | 2.9280% | 561 |
| Net loans and leases to total assets | 21.3975% | 6,033 |
| Net loans and leases to deposits | 27.0186% | 6,023 |
| Net loans and leases to core deposits | 29.4407% | 6,012 |
| Total domestic deposits to total assets | 79.1955% | 4,936 |
| Equity capital to assets | 20.3798% | 200 |
| Core capital (leverage) ratio | 20.3497% | 186 |
| Tier 1 risk-based capital ratio | 45.1015% | 167 |
| Total risk-based capital ratio | 46.3571% | 165 |
| Memoranda: | ||
| Average total assets | $88,482,600 | 4,700 |
| Average earning assets | $85,481,000 | 4,601 |
| Average equity | $17,504,200 | 3,457 |
| Average total loans | $19,497,000 | 5,742 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3608% | 5,293 |
| Cost of funding earning assets | 0.6958% | 856 |
| Net interest margin | 2.6650% | 5,764 |
| Noninterest income to average assets | 0.1356% | 5,806 |
| Noninterest expense to average assets | 1.7015% | 5,896 |
| Loan and lease loss provision to assets | 0.0603% | 2,976 |
| Net operating income to assets | 0.7466% | 3,695 |
| Return on assets (ROA) | 0.7807% | 3,609 |
| Pretax return on assets | 0.9977% | 3,623 |
| Return on Equity (ROE) | 3.9762% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.9531% | 3,657 |
| Net charge-offs to loans | -0.0274% | 5,315 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6526% | 4,466 |
| Assets per employee ($millions) | 5.5074% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.5792% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4512% | 160 |
| Loan loss allowance to noncurrent loans | 173.4177% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 3,297 |
| Noncurrent loans to loans | 1.9901% | 1,165 |
| Net loans and leases to total assets | 21.7470% | 6,119 |
| Net loans and leases to deposits | 27.4121% | 6,110 |
| Net loans and leases to core deposits | 29.8368% | 6,093 |
| Total domestic deposits to total assets | 79.3334% | 4,901 |
| Equity capital to assets | 20.2354% | 221 |
| Core capital (leverage) ratio | 19.7246% | 217 |
| Tier 1 risk-based capital ratio | 44.0968% | 193 |
| Total risk-based capital ratio | 45.3537% | 190 |
| Memoranda: | ||
| Average total assets | $88,471,000 | 4,762 |
| Average earning assets | $85,650,750 | 4,646 |
| Average equity | $17,369,750 | 3,509 |
| Average total loans | $19,461,750 | 5,814 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3944% | 5,242 |
| Cost of funding earning assets | 0.7061% | 814 |
| Net interest margin | 2.6883% | 5,778 |
| Noninterest income to average assets | 0.1377% | 5,870 |
| Noninterest expense to average assets | 1.6277% | 6,036 |
| Loan and lease loss provision to assets | 0.0677% | 2,767 |
| Net operating income to assets | 0.8043% | 3,364 |
| Return on assets (ROA) | 0.8466% | 3,247 |
| Pretax return on assets | 1.0837% | 3,242 |
| Return on Equity (ROE) | 4.3564% | 4,883 |
| Retained earnings to average equity (ytd only) | 4.3216% | 3,272 |
| Net charge-offs to loans | 0.1552% | 1,549 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 1,297 |
| Efficiency ratio | 59.7349% | 5,017 |
| Assets per employee ($millions) | 5.4947% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.8000% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3752% | 179 |
| Loan loss allowance to noncurrent loans | 167.7749% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 3,487 |
| Noncurrent loans to loans | 2.0117% | 1,207 |
| Net loans and leases to total assets | 21.3615% | 6,193 |
| Net loans and leases to deposits | 26.6636% | 6,187 |
| Net loans and leases to core deposits | 29.2241% | 6,166 |
| Total domestic deposits to total assets | 80.1149% | 4,839 |
| Equity capital to assets | 19.5245% | 244 |
| Core capital (leverage) ratio | 19.5648% | 221 |
| Tier 1 risk-based capital ratio | 45.6335% | 187 |
| Total risk-based capital ratio | 46.7909% | 187 |
| Memoranda: | ||
| Average total assets | $88,588,670 | 4,802 |
| Average earning assets | $85,258,000 | 4,699 |
| Average equity | $17,216,000 | 3,534 |
| Average total loans | $19,333,000 | 5,876 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 5,187 |
| Cost of funding earning assets | 0.6981% | 859 |
| Net interest margin | 2.7085% | 5,788 |
| Noninterest income to average assets | 0.1439% | 5,884 |
| Noninterest expense to average assets | 1.7138% | 5,997 |
| Loan and lease loss provision to assets | 0.0450% | 3,020 |
| Net operating income to assets | 0.7865% | 3,333 |
| Return on assets (ROA) | 0.8636% | 3,056 |
| Pretax return on assets | 1.1020% | 3,070 |
| Return on Equity (ROE) | 4.4544% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.4544% | 3,347 |
| Net charge-offs to loans | -0.2489% | 6,106 |
| Credit loss provision to net charge-offs | -83.3333% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0521% | 4,788 |
| Assets per employee ($millions) | 5.6308% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5033% | 184 |
| Loan loss allowance to noncurrent loans | 219.5364% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 4,065 |
| Noncurrent loans to loans | 1.5958% | 1,753 |
| Net loans and leases to total assets | 20.2704% | 6,266 |
| Net loans and leases to deposits | 25.3681% | 6,260 |
| Net loans and leases to core deposits | 27.6945% | 6,241 |
| Total domestic deposits to total assets | 79.9050% | 5,071 |
| Equity capital to assets | 19.6199% | 241 |
| Core capital (leverage) ratio | 19.4475% | 227 |
| Tier 1 risk-based capital ratio | 49.8045% | 157 |
| Total risk-based capital ratio | 51.0636% | 156 |
| Memoranda: | ||
| Average total assets | $88,925,500 | 4,837 |
| Average earning assets | $85,951,500 | 4,722 |
| Average equity | $17,241,500 | 3,557 |
| Average total loans | $19,281,500 | 5,929 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 5,349 |
| Cost of funding earning assets | 0.7485% | 852 |
| Net interest margin | 2.7370% | 5,888 |
| Noninterest income to average assets | 0.1775% | 5,789 |
| Noninterest expense to average assets | 1.7117% | 6,143 |
| Loan and lease loss provision to assets | 0.0228% | 4,155 |
| Net operating income to assets | 0.8563% | 3,083 |
| Return on assets (ROA) | 0.8581% | 3,169 |
| Pretax return on assets | 1.0630% | 3,240 |
| Return on Equity (ROE) | 5.0407% | 4,638 |
| Retained earnings to average equity (ytd only) | 5.0006% | 2,599 |
| Net charge-offs to loans | -0.0829% | 6,073 |
| Credit loss provision to net charge-offs | -117.6471% | 5,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2378% | 5,032 |
| Assets per employee ($millions) | 5.4849% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.7958% | 4,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2641% | 223 |
| Loan loss allowance to noncurrent loans | 141.8142% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 3,555 |
| Noncurrent loans to loans | 2.3017% | 1,132 |
| Net loans and leases to total assets | 21.6468% | 6,348 |
| Net loans and leases to deposits | 26.8942% | 6,332 |
| Net loans and leases to core deposits | 29.5246% | 6,315 |
| Total domestic deposits to total assets | 80.4886% | 4,885 |
| Equity capital to assets | 19.1513% | 260 |
| Core capital (leverage) ratio | 19.3480% | 232 |
| Tier 1 risk-based capital ratio | 49.1339% | 140 |
| Total risk-based capital ratio | 50.3900% | 140 |
| Memoranda: | ||
| Average total assets | $87,868,000 | 4,893 |
| Average earning assets | $84,033,200 | 4,786 |
| Average equity | $14,958,200 | 3,847 |
| Average total loans | $20,494,800 | 5,941 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 5,417 |
| Cost of funding earning assets | 0.7526% | 881 |
| Net interest margin | 2.7382% | 5,961 |
| Noninterest income to average assets | 0.1820% | 5,833 |
| Noninterest expense to average assets | 1.7369% | 6,173 |
| Loan and lease loss provision to assets | 0.0303% | 3,804 |
| Net operating income to assets | 0.8016% | 3,422 |
| Return on assets (ROA) | 0.8040% | 3,506 |
| Pretax return on assets | 1.0285% | 3,473 |
| Return on Equity (ROE) | 4.8748% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.8472% | 3,184 |
| Net charge-offs to loans | 0.0064% | 4,477 |
| Credit loss provision to net charge-offs | 2,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 697.7293% | 111 |
| Efficiency ratio | 62.1945% | 4,859 |
| Assets per employee ($millions) | 5.5932% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.5661% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0940% | 322 |
| Loan loss allowance to noncurrent loans | 114.5221% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 3,527 |
| Noncurrent loans to loans | 2.7016% | 1,053 |
| Net loans and leases to total assets | 21.8044% | 6,425 |
| Net loans and leases to deposits | 26.6037% | 6,419 |
| Net loans and leases to core deposits | 31.0519% | 6,376 |
| Total domestic deposits to total assets | 81.9602% | 4,490 |
| Equity capital to assets | 17.6968% | 358 |
| Core capital (leverage) ratio | 19.1985% | 240 |
| Tier 1 risk-based capital ratio | 47.0811% | 153 |
| Total risk-based capital ratio | 48.3366% | 154 |
| Memoranda: | ||
| Average total assets | $87,895,250 | 4,943 |
| Average earning assets | $83,801,250 | 4,842 |
| Average equity | $14,496,000 | 3,957 |
| Average total loans | $20,709,000 | 5,993 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 5,330 |
| Cost of funding earning assets | 0.7624% | 871 |
| Net interest margin | 2.7721% | 5,958 |
| Noninterest income to average assets | 0.1740% | 5,907 |
| Noninterest expense to average assets | 1.7261% | 6,242 |
| Loan and lease loss provision to assets | 0.0458% | 3,400 |
| Net operating income to assets | 0.8028% | 3,314 |
| Return on assets (ROA) | 0.8081% | 3,388 |
| Pretax return on assets | 1.0393% | 3,326 |
| Return on Equity (ROE) | 5.0253% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.9826% | 2,968 |
| Net charge-offs to loans | 0.0287% | 3,618 |
| Credit loss provision to net charge-offs | 666.6667% | 466 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 395 |
| Efficiency ratio | 61.5510% | 5,067 |
| Assets per employee ($millions) | 5.5021% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.8499% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1305% | 327 |
| Loan loss allowance to noncurrent loans | 107.4394% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 3,459 |
| Noncurrent loans to loans | 2.9137% | 1,017 |
| Net loans and leases to total assets | 21.8279% | 6,485 |
| Net loans and leases to deposits | 26.5242% | 6,484 |
| Net loans and leases to core deposits | 31.4280% | 6,427 |
| Total domestic deposits to total assets | 82.2943% | 4,550 |
| Equity capital to assets | 17.4489% | 372 |
| Core capital (leverage) ratio | 19.0285% | 243 |
| Tier 1 risk-based capital ratio | 48.0420% | 145 |
| Total risk-based capital ratio | 49.2995% | 143 |
| Memoranda: | ||
| Average total assets | $87,363,330 | 4,991 |
| Average earning assets | $82,897,670 | 4,906 |
| Average equity | $14,049,000 | 4,043 |
| Average total loans | $20,900,000 | 6,032 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5763% | 5,234 |
| Cost of funding earning assets | 0.7636% | 911 |
| Net interest margin | 2.8127% | 5,910 |
| Noninterest income to average assets | 0.1793% | 5,894 |
| Noninterest expense to average assets | 1.7420% | 6,291 |
| Loan and lease loss provision to assets | 0.0460% | 3,178 |
| Net operating income to assets | 0.8375% | 2,965 |
| Return on assets (ROA) | 0.8411% | 3,020 |
| Pretax return on assets | 1.0709% | 3,029 |
| Return on Equity (ROE) | 5.4655% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.4655% | 2,805 |
| Net charge-offs to loans | 0.1120% | 2,058 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 869 |
| Efficiency ratio | 61.0306% | 5,264 |
| Assets per employee ($millions) | 5.1782% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9409% | 464 |
| Loan loss allowance to noncurrent loans | 200.6601% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 4,574 |
| Noncurrent loans to loans | 1.4656% | 2,594 |
| Net loans and leases to total assets | 22.7945% | 6,527 |
| Net loans and leases to deposits | 27.1305% | 6,526 |
| Net loans and leases to core deposits | 32.0154% | 6,459 |
| Total domestic deposits to total assets | 84.0179% | 4,265 |
| Equity capital to assets | 15.8435% | 547 |
| Core capital (leverage) ratio | 18.8521% | 251 |
| Tier 1 risk-based capital ratio | 46.1168% | 163 |
| Total risk-based capital ratio | 47.3722% | 161 |
| Memoranda: | ||
| Average total assets | $87,028,000 | 5,044 |
| Average earning assets | $82,766,500 | 4,948 |
| Average equity | $13,393,000 | 4,169 |
| Average total loans | $21,431,500 | 6,075 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5765% | 5,466 |
| Cost of funding earning assets | 0.7927% | 1,252 |
| Net interest margin | 2.7838% | 6,007 |
| Noninterest income to average assets | 0.1688% | 6,073 |
| Noninterest expense to average assets | 1.6689% | 6,472 |
| Loan and lease loss provision to assets | 0.0788% | 3,534 |
| Net operating income to assets | 0.8421% | 3,078 |
| Return on assets (ROA) | 0.8631% | 3,039 |
| Pretax return on assets | 1.1040% | 2,935 |
| Return on Equity (ROE) | 5.2404% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.1994% | 2,476 |
| Net charge-offs to loans | 0.2844% | 2,271 |
| Credit loss provision to net charge-offs | 111.1111% | 2,161 |
| Earnings coverage of net charge-offs (x) | 16.3016% | 1,812 |
| Efficiency ratio | 59.0837% | 5,593 |
| Assets per employee ($millions) | 5.0604% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.7823% | 4,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7221% | 650 |
| Loan loss allowance to noncurrent loans | 133.9246% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 4,119 |
| Noncurrent loans to loans | 2.0325% | 1,956 |
| Net loans and leases to total assets | 25.0913% | 6,588 |
| Net loans and leases to deposits | 29.5843% | 6,592 |
| Net loans and leases to core deposits | 34.9872% | 6,497 |
| Total domestic deposits to total assets | 84.8127% | 3,843 |
| Equity capital to assets | 14.9246% | 681 |
| Core capital (leverage) ratio | 18.6450% | 261 |
| Tier 1 risk-based capital ratio | 43.9689% | 181 |
| Total risk-based capital ratio | 45.2247% | 180 |
| Memoranda: | ||
| Average total assets | $88,861,200 | 5,003 |
| Average earning assets | $84,775,600 | 4,914 |
| Average equity | $14,636,200 | 3,938 |
| Average total loans | $22,150,800 | 6,113 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 5,638 |
| Cost of funding earning assets | 0.7919% | 1,375 |
| Net interest margin | 2.7281% | 6,124 |
| Noninterest income to average assets | 0.1518% | 6,278 |
| Noninterest expense to average assets | 1.6315% | 6,534 |
| Loan and lease loss provision to assets | 0.0447% | 4,125 |
| Net operating income to assets | 0.8456% | 3,123 |
| Return on assets (ROA) | 0.8723% | 3,090 |
| Pretax return on assets | 1.1149% | 3,048 |
| Return on Equity (ROE) | 5.1792% | 4,636 |
| Retained earnings to average equity (ytd only) | 5.1527% | 2,968 |
| Net charge-offs to loans | 0.3974% | 1,615 |
| Credit loss provision to net charge-offs | 45.4545% | 3,607 |
| Earnings coverage of net charge-offs (x) | 11.4542% | 2,247 |
| Efficiency ratio | 59.1793% | 5,536 |
| Assets per employee ($millions) | 5.1536% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.5120% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5477% | 889 |
| Loan loss allowance to noncurrent loans | 163.0814% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 4,724 |
| Noncurrent loans to loans | 1.5622% | 2,820 |
| Net loans and leases to total assets | 24.4932% | 6,681 |
| Net loans and leases to deposits | 29.1282% | 6,682 |
| Net loans and leases to core deposits | 32.3431% | 6,641 |
| Total domestic deposits to total assets | 84.0878% | 4,154 |
| Equity capital to assets | 15.6463% | 608 |
| Core capital (leverage) ratio | 18.4825% | 265 |
| Tier 1 risk-based capital ratio | 43.6091% | 190 |
| Total risk-based capital ratio | 44.8630% | 189 |
| Memoranda: | ||
| Average total assets | $89,570,000 | 5,042 |
| Average earning assets | $85,527,000 | 4,941 |
| Average equity | $15,085,500 | 3,901 |
| Average total loans | $22,141,250 | 6,176 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 5,794 |
| Cost of funding earning assets | 0.7905% | 1,465 |
| Net interest margin | 2.6598% | 6,241 |
| Noninterest income to average assets | 0.1419% | 6,341 |
| Noninterest expense to average assets | 1.5717% | 6,616 |
| Loan and lease loss provision to assets | 0.0222% | 4,459 |
| Net operating income to assets | 0.8504% | 3,040 |
| Return on assets (ROA) | 0.8867% | 3,021 |
| Pretax return on assets | 1.1305% | 2,972 |
| Return on Equity (ROE) | 5.1465% | 4,643 |
| Retained earnings to average equity (ytd only) | 5.1079% | 2,982 |
| Net charge-offs to loans | -0.0270% | 6,069 |
| Credit loss provision to net charge-offs | -333.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6921% | 5,645 |
| Assets per employee ($millions) | 5.1539% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.7500% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7492% | 750 |
| Loan loss allowance to noncurrent loans | 126.2940% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 4,322 |
| Noncurrent loans to loans | 2.1769% | 2,206 |
| Net loans and leases to total assets | 24.6279% | 6,715 |
| Net loans and leases to deposits | 29.4042% | 6,711 |
| Net loans and leases to core deposits | 32.1369% | 6,682 |
| Total domestic deposits to total assets | 83.7564% | 4,430 |
| Equity capital to assets | 15.9583% | 526 |
| Core capital (leverage) ratio | 17.4585% | 327 |
| Tier 1 risk-based capital ratio | 43.1973% | 190 |
| Total risk-based capital ratio | 44.4510% | 190 |
| Memoranda: | ||
| Average total assets | $90,222,670 | 5,058 |
| Average earning assets | $86,021,330 | 4,952 |
| Average equity | $15,544,670 | 3,845 |
| Average total loans | $22,181,670 | 6,213 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 6,001 |
| Cost of funding earning assets | 0.7884% | 1,593 |
| Net interest margin | 2.5818% | 6,402 |
| Noninterest income to average assets | 0.1267% | 6,463 |
| Noninterest expense to average assets | 1.6389% | 6,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7402% | 3,473 |
| Return on assets (ROA) | 0.7954% | 3,324 |
| Pretax return on assets | 1.0052% | 3,323 |
| Return on Equity (ROE) | 4.4591% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.4591% | 3,559 |
| Net charge-offs to loans | -0.0541% | 6,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6672% | 5,059 |
| Assets per employee ($millions) | 5.4451% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7827% | 836 |
| Loan loss allowance to noncurrent loans | 205.4795% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 5,114 |
| Noncurrent loans to loans | 1.3542% | 3,535 |
| Net loans and leases to total assets | 22.6452% | 6,806 |
| Net loans and leases to deposits | 27.5914% | 6,790 |
| Net loans and leases to core deposits | 30.3191% | 6,756 |
| Total domestic deposits to total assets | 82.0735% | 5,169 |
| Equity capital to assets | 17.6013% | 360 |
| Core capital (leverage) ratio | 17.0206% | 352 |
| Tier 1 risk-based capital ratio | 43.6048% | 187 |
| Total risk-based capital ratio | 44.8601% | 183 |
| Memoranda: | ||
| Average total assets | $91,526,000 | 5,065 |
| Average earning assets | $86,762,000 | 4,966 |
| Average equity | $16,326,000 | 3,766 |
| Average total loans | $22,178,500 | 6,266 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 5,979 |
| Cost of funding earning assets | 0.9534% | 1,621 |
| Net interest margin | 2.7815% | 6,408 |
| Noninterest income to average assets | 0.1840% | 6,082 |
| Noninterest expense to average assets | 1.6341% | 6,775 |
| Loan and lease loss provision to assets | 0.1227% | 4,087 |
| Net operating income to assets | 0.8326% | 3,130 |
| Return on assets (ROA) | 0.9593% | 2,750 |
| Pretax return on assets | 1.1924% | 2,829 |
| Return on Equity (ROE) | 5.4349% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.3969% | 2,447 |
| Net charge-offs to loans | -0.0085% | 6,445 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5532% | 5,756 |
| Assets per employee ($millions) | 5.6553% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.6977% | 4,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6190% | 1,006 |
| Loan loss allowance to noncurrent loans | 125.1572% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 4,666 |
| Noncurrent loans to loans | 2.0926% | 2,584 |
| Net loans and leases to total assets | 24.5322% | 6,848 |
| Net loans and leases to deposits | 30.1817% | 6,826 |
| Net loans and leases to core deposits | 31.1638% | 6,824 |
| Total domestic deposits to total assets | 81.2820% | 5,315 |
| Equity capital to assets | 18.0792% | 323 |
| Core capital (leverage) ratio | 17.0313% | 353 |
| Tier 1 risk-based capital ratio | 42.4750% | 194 |
| Total risk-based capital ratio | 43.7283% | 190 |
| Memoranda: | ||
| Average total assets | $89,650,600 | 5,094 |
| Average earning assets | $84,018,200 | 5,015 |
| Average equity | $15,823,800 | 3,803 |
| Average total loans | $23,614,600 | 6,260 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 5,988 |
| Cost of funding earning assets | 0.9921% | 1,607 |
| Net interest margin | 2.8244% | 6,467 |
| Noninterest income to average assets | 0.1312% | 6,479 |
| Noninterest expense to average assets | 1.6085% | 6,870 |
| Loan and lease loss provision to assets | 0.1491% | 3,674 |
| Net operating income to assets | 0.7888% | 3,509 |
| Return on assets (ROA) | 0.9481% | 2,983 |
| Pretax return on assets | 1.2134% | 2,944 |
| Return on Equity (ROE) | 5.4046% | 4,642 |
| Retained earnings to average equity (ytd only) | 5.3791% | 3,109 |
| Net charge-offs to loans | 0.1063% | 4,326 |
| Credit loss provision to net charge-offs | 526.3158% | 514 |
| Earnings coverage of net charge-offs (x) | 40.8989% | 868 |
| Efficiency ratio | 58.1358% | 5,772 |
| Assets per employee ($millions) | 5.2462% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.4717% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4698% | 1,244 |
| Loan loss allowance to noncurrent loans | 305.9459% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 5,599 |
| Noncurrent loans to loans | 0.8073% | 4,795 |
| Net loans and leases to total assets | 25.0611% | 6,942 |
| Net loans and leases to deposits | 30.8413% | 6,936 |
| Net loans and leases to core deposits | 31.9803% | 6,935 |
| Total domestic deposits to total assets | 81.2583% | 5,279 |
| Equity capital to assets | 18.0869% | 356 |
| Core capital (leverage) ratio | 17.3324% | 346 |
| Tier 1 risk-based capital ratio | 41.9712% | 211 |
| Total risk-based capital ratio | 43.2246% | 207 |
| Memoranda: | ||
| Average total assets | $89,442,000 | 5,159 |
| Average earning assets | $83,460,750 | 5,088 |
| Average equity | $15,690,000 | 3,866 |
| Average total loans | $23,819,500 | 6,336 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 5,772 |
| Cost of funding earning assets | 1.0267% | 1,600 |
| Net interest margin | 2.9279% | 6,384 |
| Noninterest income to average assets | 0.1251% | 6,560 |
| Noninterest expense to average assets | 1.5928% | 6,935 |
| Loan and lease loss provision to assets | 0.1564% | 3,562 |
| Net operating income to assets | 0.8488% | 3,153 |
| Return on assets (ROA) | 1.0544% | 2,459 |
| Pretax return on assets | 1.3471% | 2,397 |
| Return on Equity (ROE) | 6.0735% | 4,291 |
| Retained earnings to average equity (ytd only) | 6.0349% | 2,695 |
| Net charge-offs to loans | -0.0083% | 6,244 |
| Credit loss provision to net charge-offs | -7,000.0000% | 6,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2303% | 6,086 |
| Assets per employee ($millions) | 5.5994% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.6356% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3269% | 1,544 |
| Loan loss allowance to noncurrent loans | 170.0306% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 5,296 |
| Noncurrent loans to loans | 1.3685% | 3,864 |
| Net loans and leases to total assets | 26.0498% | 6,978 |
| Net loans and leases to deposits | 31.9305% | 6,966 |
| Net loans and leases to core deposits | 33.0965% | 6,971 |
| Total domestic deposits to total assets | 81.5828% | 5,272 |
| Equity capital to assets | 17.8323% | 357 |
| Core capital (leverage) ratio | 16.8928% | 375 |
| Tier 1 risk-based capital ratio | 40.4052% | 221 |
| Total risk-based capital ratio | 41.6567% | 219 |
| Memoranda: | ||
| Average total assets | $89,527,330 | 5,184 |
| Average earning assets | $82,788,330 | 5,133 |
| Average equity | $15,543,000 | 3,880 |
| Average total loans | $24,120,330 | 6,358 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 6,065 |
| Cost of funding earning assets | 0.9997% | 1,990 |
| Net interest margin | 2.8817% | 6,512 |
| Noninterest income to average assets | 0.1296% | 6,599 |
| Noninterest expense to average assets | 1.6001% | 6,973 |
| Loan and lease loss provision to assets | 0.1788% | 3,180 |
| Net operating income to assets | 0.8616% | 3,098 |
| Return on assets (ROA) | 1.2068% | 1,900 |
| Pretax return on assets | 1.5375% | 1,776 |
| Return on Equity (ROE) | 7.0466% | 3,760 |
| Retained earnings to average equity (ytd only) | 7.0466% | 2,410 |
| Net charge-offs to loans | -0.0165% | 6,114 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6765% | 6,157 |
| Assets per employee ($millions) | 5.3611% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2289% | 1,830 |
| Loan loss allowance to noncurrent loans | 86.7987% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8844% | 4,762 |
| Noncurrent loans to loans | 2.5679% | 2,537 |
| Net loans and leases to total assets | 25.3166% | 7,056 |
| Net loans and leases to deposits | 30.5392% | 7,041 |
| Net loans and leases to core deposits | 32.6402% | 7,022 |
| Total domestic deposits to total assets | 82.8985% | 4,974 |
| Equity capital to assets | 16.7921% | 462 |
| Core capital (leverage) ratio | 16.7844% | 378 |
| Tier 1 risk-based capital ratio | 39.7731% | 232 |
| Total risk-based capital ratio | 41.0240% | 230 |
| Memoranda: | ||
| Average total assets | $89,496,000 | 5,225 |
| Average earning assets | $85,227,500 | 5,106 |
| Average equity | $15,326,500 | 3,928 |
| Average total loans | $24,233,500 | 6,408 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4960% | 5,090 |
| Cost of funding earning assets | 1.1626% | 2,265 |
| Net interest margin | 3.3334% | 5,714 |
| Noninterest income to average assets | 0.1823% | 6,190 |
| Noninterest expense to average assets | 1.7320% | 7,033 |
| Loan and lease loss provision to assets | 0.7483% | 1,350 |
| Net operating income to assets | 0.7714% | 3,172 |
| Return on assets (ROA) | 0.8062% | 3,173 |
| Pretax return on assets | 0.9511% | 3,420 |
| Return on Equity (ROE) | 4.6906% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.6485% | 2,883 |
| Net charge-offs to loans | 2.6812% | 408 |
| Credit loss provision to net charge-offs | 89.3372% | 4,039 |
| Earnings coverage of net charge-offs (x) | 1.9798% | 4,298 |
| Efficiency ratio | 51.0858% | 6,771 |
| Assets per employee ($millions) | 5.4909% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.8982% | 4,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 2,419 |
| Loan loss allowance to noncurrent loans | 90.1487% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 4,941 |
| Noncurrent loans to loans | 2.1634% | 2,992 |
| Net loans and leases to total assets | 27.7540% | 7,066 |
| Net loans and leases to deposits | 33.8117% | 7,050 |
| Net loans and leases to core deposits | 36.8607% | 7,022 |
| Total domestic deposits to total assets | 82.0839% | 5,101 |
| Equity capital to assets | 17.4710% | 389 |
| Core capital (leverage) ratio | 16.7818% | 382 |
| Tier 1 risk-based capital ratio | 38.3830% | 263 |
| Total risk-based capital ratio | 39.6330% | 257 |
| Memoranda: | ||
| Average total assets | $82,852,800 | 5,372 |
| Average earning assets | $79,738,000 | 5,238 |
| Average equity | $14,241,200 | 4,062 |
| Average total loans | $25,884,000 | 6,366 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 5,020 |
| Cost of funding earning assets | 1.2004% | 2,313 |
| Net interest margin | 3.3635% | 5,675 |
| Noninterest income to average assets | 0.2026% | 6,156 |
| Noninterest expense to average assets | 1.7662% | 7,034 |
| Loan and lease loss provision to assets | 0.9803% | 887 |
| Net operating income to assets | 0.4329% | 4,846 |
| Return on assets (ROA) | 0.4559% | 4,936 |
| Pretax return on assets | 0.7287% | 4,384 |
| Return on Equity (ROE) | 2.6639% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.6352% | 4,783 |
| Net charge-offs to loans | 3.3615% | 248 |
| Credit loss provision to net charge-offs | 91.0470% | 3,738 |
| Earnings coverage of net charge-offs (x) | 1.5539% | 4,472 |
| Efficiency ratio | 51.3539% | 6,738 |
| Assets per employee ($millions) | 5.3912% | 1,707 |
| Cash dividends to net income (ytd only)* | 1.0753% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 2,566 |
| Loan loss allowance to noncurrent loans | 50.7614% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 4,504 |
| Noncurrent loans to loans | 3.7790% | 1,792 |
| Net loans and leases to total assets | 29.6375% | 7,099 |
| Net loans and leases to deposits | 36.1149% | 7,077 |
| Net loans and leases to core deposits | 39.1309% | 7,058 |
| Total domestic deposits to total assets | 82.0645% | 5,070 |
| Equity capital to assets | 17.4138% | 447 |
| Core capital (leverage) ratio | 17.0848% | 392 |
| Tier 1 risk-based capital ratio | 36.8735% | 306 |
| Total risk-based capital ratio | 38.1245% | 297 |
| Memoranda: | ||
| Average total assets | $81,602,500 | 5,453 |
| Average earning assets | $78,527,000 | 5,311 |
| Average equity | $13,964,250 | 4,131 |
| Average total loans | $26,138,000 | 6,415 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 4,219 |
| Cost of funding earning assets | 1.2565% | 2,214 |
| Net interest margin | 3.5119% | 5,102 |
| Noninterest income to average assets | 0.1624% | 6,495 |
| Noninterest expense to average assets | 1.7589% | 7,123 |
| Loan and lease loss provision to assets | 0.1499% | 4,435 |
| Net operating income to assets | 1.2750% | 1,382 |
| Return on assets (ROA) | 1.2867% | 1,420 |
| Pretax return on assets | 1.6415% | 1,173 |
| Return on Equity (ROE) | 7.5669% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.5228% | 1,647 |
| Net charge-offs to loans | 0.9862% | 1,594 |
| Credit loss provision to net charge-offs | 46.5116% | 4,666 |
| Earnings coverage of net charge-offs (x) | 5.5116% | 2,603 |
| Efficiency ratio | 49.7527% | 6,955 |
| Assets per employee ($millions) | 5.1418% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.5825% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8422% | 2,852 |
| Loan loss allowance to noncurrent loans | 98.9899% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 5,715 |
| Noncurrent loans to loans | 1.8610% | 3,661 |
| Net loans and leases to total assets | 31.7361% | 7,121 |
| Net loans and leases to deposits | 38.8007% | 7,100 |
| Net loans and leases to core deposits | 42.0299% | 7,066 |
| Total domestic deposits to total assets | 81.7927% | 5,240 |
| Equity capital to assets | 17.9168% | 387 |
| Core capital (leverage) ratio | 17.9038% | 339 |
| Tier 1 risk-based capital ratio | 37.6255% | 289 |
| Total risk-based capital ratio | 38.8866% | 279 |
| Memoranda: | ||
| Average total assets | $80,050,330 | 5,547 |
| Average earning assets | $76,881,330 | 5,400 |
| Average equity | $13,612,000 | 4,193 |
| Average total loans | $26,162,330 | 6,472 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 4,191 |
| Cost of funding earning assets | 1.2943% | 2,214 |
| Net interest margin | 3.4779% | 5,110 |
| Noninterest income to average assets | 0.1571% | 6,598 |
| Noninterest expense to average assets | 1.8292% | 7,101 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3257% | 1,213 |
| Return on assets (ROA) | 1.3377% | 1,227 |
| Pretax return on assets | 1.6924% | 995 |
| Return on Equity (ROE) | 8.0932% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.0932% | 1,696 |
| Net charge-offs to loans | 0.3238% | 2,764 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 15.7619% | 1,302 |
| Efficiency ratio | 52.1676% | 6,842 |
| Assets per employee ($millions) | 5.0198% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 2,233 |
| Loan loss allowance to noncurrent loans | 136.2025% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 5,997 |
| Noncurrent loans to loans | 1.5238% | 4,186 |
| Net loans and leases to total assets | 31.6052% | 7,183 |
| Net loans and leases to deposits | 37.9699% | 7,167 |
| Net loans and leases to core deposits | 41.3003% | 7,126 |
| Total domestic deposits to total assets | 83.2375% | 4,829 |
| Equity capital to assets | 16.5596% | 496 |
| Core capital (leverage) ratio | 18.1350% | 327 |
| Tier 1 risk-based capital ratio | 37.7545% | 278 |
| Total risk-based capital ratio | 39.0075% | 272 |
| Memoranda: | ||
| Average total assets | $78,941,000 | 5,617 |
| Average earning assets | $76,023,000 | 5,471 |
| Average equity | $13,048,000 | 4,331 |
| Average total loans | $25,944,000 | 6,528 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 3,755 |
| Cost of funding earning assets | 1.6466% | 1,844 |
| Net interest margin | 3.5222% | 5,152 |
| Noninterest income to average assets | 0.1957% | 6,375 |
| Noninterest expense to average assets | 1.8022% | 7,263 |
| Loan and lease loss provision to assets | 0.2512% | 4,783 |
| Net operating income to assets | 1.1972% | 1,421 |
| Return on assets (ROA) | 1.3870% | 1,047 |
| Pretax return on assets | 1.7797% | 802 |
| Return on Equity (ROE) | 7.7479% | 2,798 |
| Retained earnings to average equity (ytd only) | 7.7036% | 1,076 |
| Net charge-offs to loans | 0.2477% | 4,807 |
| Credit loss provision to net charge-offs | 306.4516% | 867 |
| Earnings coverage of net charge-offs (x) | 21.8065% | 951 |
| Efficiency ratio | 50.2026% | 7,111 |
| Assets per employee ($millions) | 4.8479% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.5720% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1528% | 1,957 |
| Loan loss allowance to noncurrent loans | 144.8187% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 5,931 |
| Noncurrent loans to loans | 1.4866% | 4,246 |
| Net loans and leases to total assets | 32.7553% | 7,268 |
| Net loans and leases to deposits | 39.4617% | 7,271 |
| Net loans and leases to core deposits | 42.2886% | 7,247 |
| Total domestic deposits to total assets | 83.0054% | 4,792 |
| Equity capital to assets | 16.4969% | 514 |
| Core capital (leverage) ratio | 17.8139% | 341 |
| Tier 1 risk-based capital ratio | 37.4082% | 289 |
| Total risk-based capital ratio | 38.6598% | 281 |
| Memoranda: | ||
| Average total assets | $75,630,000 | 5,726 |
| Average earning assets | $72,879,600 | 5,572 |
| Average equity | $13,539,200 | 4,252 |
| Average total loans | $25,028,800 | 6,669 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2825% | 3,438 |
| Cost of funding earning assets | 1.7222% | 1,759 |
| Net interest margin | 3.5604% | 5,061 |
| Noninterest income to average assets | 0.2058% | 6,430 |
| Noninterest expense to average assets | 1.7619% | 7,378 |
| Loan and lease loss provision to assets | 0.2307% | 4,766 |
| Net operating income to assets | 1.2826% | 1,370 |
| Return on assets (ROA) | 1.4265% | 1,130 |
| Pretax return on assets | 1.8275% | 880 |
| Return on Equity (ROE) | 7.8103% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.7812% | 1,495 |
| Net charge-offs to loans | 0.3764% | 3,797 |
| Credit loss provision to net charge-offs | 185.7143% | 1,939 |
| Earnings coverage of net charge-offs (x) | 15.0858% | 1,464 |
| Efficiency ratio | 48.4627% | 7,244 |
| Assets per employee ($millions) | 5.0466% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.3731% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 2,478 |
| Loan loss allowance to noncurrent loans | 82.7993% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 5,535 |
| Noncurrent loans to loans | 2.2984% | 3,341 |
| Net loans and leases to total assets | 31.3456% | 7,431 |
| Net loans and leases to deposits | 40.5466% | 7,355 |
| Net loans and leases to core deposits | 43.9547% | 7,325 |
| Total domestic deposits to total assets | 77.3076% | 6,419 |
| Equity capital to assets | 17.8054% | 430 |
| Core capital (leverage) ratio | 17.9567% | 354 |
| Tier 1 risk-based capital ratio | 37.0878% | 307 |
| Total risk-based capital ratio | 38.3395% | 298 |
| Memoranda: | ||
| Average total assets | $75,146,000 | 5,800 |
| Average earning assets | $72,387,500 | 5,657 |
| Average equity | $13,725,000 | 4,267 |
| Average total loans | $24,794,500 | 6,774 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4306% | 2,837 |
| Cost of funding earning assets | 1.8074% | 1,613 |
| Net interest margin | 3.6233% | 4,718 |
| Noninterest income to average assets | 0.2156% | 6,380 |
| Noninterest expense to average assets | 1.7904% | 7,397 |
| Loan and lease loss provision to assets | 0.1910% | 4,968 |
| Net operating income to assets | 1.3480% | 1,197 |
| Return on assets (ROA) | 1.5502% | 873 |
| Pretax return on assets | 1.9842% | 616 |
| Return on Equity (ROE) | 8.4100% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.3656% | 1,308 |
| Net charge-offs to loans | 0.2208% | 4,278 |
| Credit loss provision to net charge-offs | 259.2593% | 1,467 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,013 |
| Efficiency ratio | 48.3063% | 7,329 |
| Assets per employee ($millions) | 4.7559% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.5282% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 2,582 |
| Loan loss allowance to noncurrent loans | 256.2162% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 6,663 |
| Noncurrent loans to loans | 0.7202% | 5,814 |
| Net loans and leases to total assets | 33.1323% | 7,448 |
| Net loans and leases to deposits | 40.9945% | 7,419 |
| Net loans and leases to core deposits | 44.0646% | 7,399 |
| Total domestic deposits to total assets | 80.8213% | 5,465 |
| Equity capital to assets | 18.4375% | 384 |
| Core capital (leverage) ratio | 18.0280% | 357 |
| Tier 1 risk-based capital ratio | 38.2161% | 277 |
| Total risk-based capital ratio | 39.4667% | 276 |
| Memoranda: | ||
| Average total assets | $73,279,670 | 5,889 |
| Average earning assets | $70,599,330 | 5,751 |
| Average equity | $13,507,670 | 4,318 |
| Average total loans | $24,459,000 | 6,835 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4963% | 2,591 |
| Cost of funding earning assets | 1.8321% | 1,737 |
| Net interest margin | 3.6642% | 4,418 |
| Noninterest income to average assets | 0.2004% | 6,531 |
| Noninterest expense to average assets | 1.8589% | 7,399 |
| Loan and lease loss provision to assets | 0.0557% | 6,104 |
| Net operating income to assets | 1.4175% | 1,038 |
| Return on assets (ROA) | 1.7865% | 560 |
| Pretax return on assets | 2.2874% | 354 |
| Return on Equity (ROE) | 9.6931% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.6931% | 1,210 |
| Net charge-offs to loans | -0.0671% | 7,432 |
| Credit loss provision to net charge-offs | -250.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8507% | 7,326 |
| Assets per employee ($millions) | 4.6555% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 2,522 |
| Loan loss allowance to noncurrent loans | 98.6696% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 6,005 |
| Noncurrent loans to loans | 1.8987% | 3,922 |
| Net loans and leases to total assets | 31.2909% | 7,587 |
| Net loans and leases to deposits | 38.4494% | 7,569 |
| Net loans and leases to core deposits | 41.3629% | 7,538 |
| Total domestic deposits to total assets | 81.3822% | 5,316 |
| Equity capital to assets | 18.0566% | 416 |
| Core capital (leverage) ratio | 18.4539% | 344 |
| Tier 1 risk-based capital ratio | 39.4745% | 260 |
| Total risk-based capital ratio | 40.7249% | 253 |
| Memoranda: | ||
| Average total assets | $71,872,000 | 5,997 |
| Average earning assets | $69,210,500 | 5,871 |
| Average equity | $13,246,500 | 4,423 |
| Average total loans | $23,845,500 | 6,955 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9119% | 2,184 |
| Cost of funding earning assets | 2.0562% | 2,697 |
| Net interest margin | 3.8556% | 3,458 |
| Noninterest income to average assets | 0.1932% | 6,717 |
| Noninterest expense to average assets | 2.0495% | 7,281 |
| Loan and lease loss provision to assets | 0.2654% | 5,287 |
| Net operating income to assets | 1.1790% | 1,304 |
| Return on assets (ROA) | 0.8463% | 2,449 |
| Pretax return on assets | 1.0985% | 2,258 |
| Return on Equity (ROE) | 4.4710% | 3,898 |
| Retained earnings to average equity (ytd only) | 4.4243% | 2,150 |
| Net charge-offs to loans | 0.9425% | 2,510 |
| Credit loss provision to net charge-offs | 85.7143% | 6,136 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,496 |
| Efficiency ratio | 53.2975% | 7,296 |
| Assets per employee ($millions) | 4.3285% | 3,229 |
| Cash dividends to net income (ytd only)* | 1.0453% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 2,545 |
| Loan loss allowance to noncurrent loans | 68.9600% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 5,294 |
| Noncurrent loans to loans | 2.6109% | 2,944 |
| Net loans and leases to total assets | 33.9422% | 7,594 |
| Net loans and leases to deposits | 42.1038% | 7,567 |
| Net loans and leases to core deposits | 50.2190% | 7,586 |
| Total domestic deposits to total assets | 80.6154% | 5,466 |
| Equity capital to assets | 18.8330% | 380 |
| Core capital (leverage) ratio | 18.5394% | 367 |
| Tier 1 risk-based capital ratio | 39.3767% | 265 |
| Total risk-based capital ratio | 40.6275% | 258 |
| Memoranda: | ||
| Average total assets | $67,821,400 | 6,081 |
| Average earning assets | $64,243,800 | 5,988 |
| Average equity | $12,838,200 | 4,551 |
| Average total loans | $22,281,200 | 7,073 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9095% | 2,409 |
| Cost of funding earning assets | 2.1067% | 2,860 |
| Net interest margin | 3.8029% | 3,642 |
| Noninterest income to average assets | 0.1858% | 6,889 |
| Noninterest expense to average assets | 2.0258% | 7,337 |
| Loan and lease loss provision to assets | 0.2174% | 5,240 |
| Net operating income to assets | 1.1752% | 1,529 |
| Return on assets (ROA) | 0.8814% | 2,568 |
| Pretax return on assets | 1.1502% | 2,414 |
| Return on Equity (ROE) | 4.6504% | 4,099 |
| Retained earnings to average equity (ytd only) | 4.6191% | 2,695 |
| Net charge-offs to loans | 0.2683% | 4,362 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 20.1120% | 1,252 |
| Efficiency ratio | 53.6649% | 7,271 |
| Assets per employee ($millions) | 4.2526% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.6727% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3299% | 1,263 |
| Loan loss allowance to noncurrent loans | 57.6586% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3433% | 4,405 |
| Noncurrent loans to loans | 4.0409% | 1,813 |
| Net loans and leases to total assets | 32.4682% | 7,730 |
| Net loans and leases to deposits | 40.6267% | 7,709 |
| Net loans and leases to core deposits | 47.7541% | 7,736 |
| Total domestic deposits to total assets | 79.9183% | 5,461 |
| Equity capital to assets | 19.4101% | 378 |
| Core capital (leverage) ratio | 19.2970% | 359 |
| Tier 1 risk-based capital ratio | 41.8852% | 252 |
| Total risk-based capital ratio | 43.1411% | 246 |
| Memoranda: | ||
| Average total assets | $67,462,750 | 6,128 |
| Average earning assets | $63,669,500 | 6,052 |
| Average equity | $12,787,000 | 4,587 |
| Average total loans | $21,867,000 | 7,153 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8858% | 2,655 |
| Cost of funding earning assets | 2.1794% | 2,887 |
| Net interest margin | 3.7063% | 3,924 |
| Noninterest income to average assets | 0.1933% | 6,909 |
| Noninterest expense to average assets | 2.0901% | 7,296 |
| Loan and lease loss provision to assets | 0.0892% | 6,279 |
| Net operating income to assets | 1.1382% | 1,634 |
| Return on assets (ROA) | 0.9484% | 2,381 |
| Pretax return on assets | 1.2428% | 2,184 |
| Return on Equity (ROE) | 5.0447% | 4,057 |
| Retained earnings to average equity (ytd only) | 4.9972% | 2,508 |
| Net charge-offs to loans | 0.4626% | 2,977 |
| Credit loss provision to net charge-offs | 60.0000% | 5,589 |
| Earnings coverage of net charge-offs (x) | 10.6400% | 1,975 |
| Efficiency ratio | 56.9231% | 7,002 |
| Assets per employee ($millions) | 4.2742% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.9404% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9840% | 1,602 |
| Loan loss allowance to noncurrent loans | 73.1343% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 5,189 |
| Noncurrent loans to loans | 2.7128% | 2,655 |
| Net loans and leases to total assets | 31.8584% | 7,848 |
| Net loans and leases to deposits | 39.2325% | 7,835 |
| Net loans and leases to core deposits | 45.2962% | 7,853 |
| Total domestic deposits to total assets | 81.2040% | 4,996 |
| Equity capital to assets | 18.3602% | 520 |
| Core capital (leverage) ratio | 18.6170% | 445 |
| Tier 1 risk-based capital ratio | 41.5650% | 275 |
| Total risk-based capital ratio | 42.8173% | 272 |
| Memoranda: | ||
| Average total assets | $67,269,670 | 6,182 |
| Average earning assets | $63,135,330 | 6,106 |
| Average equity | $12,647,000 | 4,647 |
| Average total loans | $21,616,330 | 7,231 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 3,159 |
| Cost of funding earning assets | 2.2202% | 3,058 |
| Net interest margin | 3.6071% | 4,289 |
| Noninterest income to average assets | 0.1919% | 6,926 |
| Noninterest expense to average assets | 2.0446% | 7,241 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1810% | 1,712 |
| Return on assets (ROA) | 1.1992% | 1,766 |
| Pretax return on assets | 1.5710% | 1,481 |
| Return on Equity (ROE) | 6.3029% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.3029% | 2,498 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9282% | 6,844 |
| Assets per employee ($millions) | 4.0029% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1626% | 1,123 |
| Loan loss allowance to noncurrent loans | 98.5043% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 5,396 |
| Noncurrent loans to loans | 2.1954% | 2,984 |
| Net loans and leases to total assets | 30.6485% | 7,904 |
| Net loans and leases to deposits | 37.9586% | 7,903 |
| Net loans and leases to core deposits | 43.9926% | 7,905 |
| Total domestic deposits to total assets | 80.7418% | 5,073 |
| Equity capital to assets | 18.6968% | 519 |
| Core capital (leverage) ratio | 18.9117% | 458 |
| Tier 1 risk-based capital ratio | 40.7917% | 312 |
| Total risk-based capital ratio | 42.0447% | 300 |
| Memoranda: | ||
| Average total assets | $66,711,000 | 6,223 |
| Average earning assets | $62,876,000 | 6,144 |
| Average equity | $12,692,500 | 4,656 |
| Average total loans | $21,310,500 | 7,293 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2451% | 4,273 |
| Cost of funding earning assets | 2.5808% | 3,788 |
| Net interest margin | 3.6643% | 4,627 |
| Noninterest income to average assets | 0.2294% | 6,794 |
| Noninterest expense to average assets | 2.0261% | 7,394 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2134% | 1,734 |
| Return on assets (ROA) | 1.2231% | 1,649 |
| Pretax return on assets | 1.6205% | 1,331 |
| Return on Equity (ROE) | 6.2585% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.2089% | 1,430 |
| Net charge-offs to loans | -0.1161% | 8,109 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7581% | 7,046 |
| Assets per employee ($millions) | 3.6318% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.7926% | 4,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1639% | 986 |
| Loan loss allowance to noncurrent loans | 182.2134% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 6,080 |
| Noncurrent loans to loans | 1.1876% | 4,133 |
| Net loans and leases to total assets | 31.8832% | 7,948 |
| Net loans and leases to deposits | 39.9039% | 7,940 |
| Net loans and leases to core deposits | 46.9786% | 7,944 |
| Total domestic deposits to total assets | 79.9000% | 5,059 |
| Equity capital to assets | 19.3689% | 512 |
| Core capital (leverage) ratio | 19.5116% | 466 |
| Tier 1 risk-based capital ratio | 41.3009% | 309 |
| Total risk-based capital ratio | 42.5535% | 302 |
| Memoranda: | ||
| Average total assets | $61,893,800 | 6,321 |
| Average earning assets | $57,501,000 | 6,281 |
| Average equity | $12,095,600 | 4,808 |
| Average total loans | $21,536,400 | 7,224 |