Home > Alliance Bank > Performance and Condition Ratios
Alliance Bank, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1511% | 1,059 |
| Cost of funding earning assets | 1.9672% | 2,294 |
| Net interest margin | 4.1839% | 919 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 2.4195% | 2,458 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.2914% | 1,319 |
| Return on assets (ROA) | 1.2914% | 1,316 |
| Pretax return on assets | 1.7688% | 912 |
| Return on Equity (ROE) | 10.8800% | 1,929 |
| Retained earnings to average equity (ytd only) | 7.8037% | 1,451 |
| Net charge-offs to loans | 0.0064% | 2,430 |
| Credit loss provision to net charge-offs | 940.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 394.0000% | 297 |
| Efficiency ratio | 57.3685% | 3,421 |
| Assets per employee ($millions) | 7.6161% | 1,737 |
| Cash dividends to net income (ytd only)* | 28.2686% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 696 |
| Loan loss allowance to noncurrent loans | 1,845.7447% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,270 |
| Noncurrent loans to loans | 0.0907% | 3,238 |
| Net loans and leases to total assets | 70.3900% | 1,795 |
| Net loans and leases to deposits | 82.7073% | 1,908 |
| Net loans and leases to core deposits | 95.4511% | 1,791 |
| Total domestic deposits to total assets | 85.1000% | 2,259 |
| Equity capital to assets | 12.5193% | 1,102 |
| Core capital (leverage) ratio | 12.3715% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $146,087,250 | 3,396 |
| Average earning assets | $140,026,250 | 3,348 |
| Average equity | $17,341,750 | 3,156 |
| Average total loans | $103,864,250 | 3,177 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9841% | 1,192 |
| Cost of funding earning assets | 1.9306% | 2,287 |
| Net interest margin | 4.0535% | 1,055 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 2.4388% | 2,411 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.1955% | 1,485 |
| Return on assets (ROA) | 1.1955% | 1,486 |
| Pretax return on assets | 1.6350% | 1,075 |
| Return on Equity (ROE) | 10.2600% | 2,095 |
| Retained earnings to average equity (ytd only) | 5.5726% | 2,159 |
| Net charge-offs to loans | 0.0135% | 1,932 |
| Credit loss provision to net charge-offs | 271.4286% | 854 |
| Earnings coverage of net charge-offs (x) | 173.8571% | 552 |
| Efficiency ratio | 59.4874% | 3,248 |
| Assets per employee ($millions) | 7.4435% | 1,768 |
| Cash dividends to net income (ytd only)* | 45.6621% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 808 |
| Loan loss allowance to noncurrent loans | 453.4574% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 2,166 |
| Noncurrent loans to loans | 0.3584% | 2,121 |
| Net loans and leases to total assets | 69.3300% | 1,985 |
| Net loans and leases to deposits | 80.6852% | 2,142 |
| Net loans and leases to core deposits | 92.9633% | 1,933 |
| Total domestic deposits to total assets | 85.9200% | 2,008 |
| Equity capital to assets | 11.7189% | 1,267 |
| Core capital (leverage) ratio | 12.0023% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $146,548,000 | 3,405 |
| Average earning assets | $140,471,333 | 3,349 |
| Average equity | $17,083,667 | 3,152 |
| Average total loans | $103,956,000 | 3,176 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8455% | 1,263 |
| Cost of funding earning assets | 1.9265% | 2,188 |
| Net interest margin | 3.9190% | 1,197 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 2.3909% | 2,542 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 1.1308% | 1,588 |
| Return on assets (ROA) | 1.1308% | 1,597 |
| Pretax return on assets | 1.5462% | 1,182 |
| Return on Equity (ROE) | 9.7300% | 2,203 |
| Retained earnings to average equity (ytd only) | 0.2603% | 3,645 |
| Net charge-offs to loans | -0.0039% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 60.5997% | 3,198 |
| Assets per employee ($millions) | 7.4452% | 1,791 |
| Cash dividends to net income (ytd only)* | 97.3236% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 813 |
| Loan loss allowance to noncurrent loans | 606.0714% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,424 |
| Noncurrent loans to loans | 0.2679% | 2,354 |
| Net loans and leases to total assets | 69.0500% | 1,906 |
| Net loans and leases to deposits | 79.7000% | 2,086 |
| Net loans and leases to core deposits | 90.4438% | 2,022 |
| Total domestic deposits to total assets | 86.6400% | 1,891 |
| Equity capital to assets | 11.3664% | 1,358 |
| Core capital (leverage) ratio | 11.9208% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $145,387,000 | 3,422 |
| Average earning assets | $139,321,000 | 3,370 |
| Average equity | $16,902,500 | 3,176 |
| Average total loans | $103,478,500 | 3,178 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 1,595 |
| Cost of funding earning assets | 1.1824% | 2,850 |
| Net interest margin | 4.0547% | 1,125 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.3297% | 2,772 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2556% | 1,529 |
| Return on assets (ROA) | 1.2556% | 1,502 |
| Pretax return on assets | 1.6855% | 1,092 |
| Return on Equity (ROE) | 12.0900% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.0013% | 1,013 |
| Net charge-offs to loans | -0.0091% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.7767% | 3,421 |
| Assets per employee ($millions) | 6.7544% | 2,242 |
| Cash dividends to net income (ytd only)* | 17.2775% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 758 |
| Loan loss allowance to noncurrent loans | 604.6429% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 2,236 |
| Noncurrent loans to loans | 0.2733% | 2,208 |
| Net loans and leases to total assets | 71.0300% | 1,695 |
| Net loans and leases to deposits | 82.1779% | 1,933 |
| Net loans and leases to core deposits | 89.2632% | 2,102 |
| Total domestic deposits to total assets | 86.4300% | 1,884 |
| Equity capital to assets | 11.8808% | 1,176 |
| Core capital (leverage) ratio | 11.9903% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $152,121,200 | 3,340 |
| Average earning assets | $145,633,600 | 3,292 |
| Average equity | $15,798,000 | 3,202 |
| Average total loans | $98,388,400 | 3,192 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 1,658 |
| Cost of funding earning assets | 1.0652% | 2,845 |
| Net interest margin | 4.0211% | 1,189 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.2461% | 2,952 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.2351% | 1,687 |
| Return on assets (ROA) | 1.2351% | 1,685 |
| Pretax return on assets | 1.7031% | 1,158 |
| Return on Equity (ROE) | 12.3000% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.4669% | 1,560 |
| Net charge-offs to loans | -0.0068% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.2587% | 3,463 |
| Assets per employee ($millions) | 6.7377% | 2,148 |
| Cash dividends to net income (ytd only)* | 23.0286% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 811 |
| Loan loss allowance to noncurrent loans | 683.8057% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 2,417 |
| Noncurrent loans to loans | 0.2393% | 2,394 |
| Net loans and leases to total assets | 71.7500% | 1,607 |
| Net loans and leases to deposits | 82.5834% | 1,862 |
| Net loans and leases to core deposits | 88.7927% | 2,006 |
| Total domestic deposits to total assets | 86.8800% | 1,927 |
| Equity capital to assets | 11.4494% | 1,201 |
| Core capital (leverage) ratio | 11.8863% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $154,691,000 | 3,330 |
| Average earning assets | $147,949,500 | 3,280 |
| Average equity | $15,534,500 | 3,210 |
| Average total loans | $97,375,750 | 3,207 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 1,642 |
| Cost of funding earning assets | 0.9668% | 2,717 |
| Net interest margin | 3.9869% | 1,270 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.1887% | 3,110 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.2383% | 1,720 |
| Return on assets (ROA) | 1.2383% | 1,716 |
| Pretax return on assets | 1.6997% | 1,214 |
| Return on Equity (ROE) | 12.8700% | 1,930 |
| Retained earnings to average equity (ytd only) | 8.5550% | 1,801 |
| Net charge-offs to loans | 0.0021% | 2,293 |
| Credit loss provision to net charge-offs | 11,400.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,466.0000% | 97 |
| Efficiency ratio | 54.2875% | 3,585 |
| Assets per employee ($millions) | 6.8464% | 2,045 |
| Cash dividends to net income (ytd only)* | 33.5025% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 751 |
| Loan loss allowance to noncurrent loans | 673.2794% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,352 |
| Noncurrent loans to loans | 0.2525% | 2,253 |
| Net loans and leases to total assets | 66.8900% | 2,066 |
| Net loans and leases to deposits | 76.2880% | 2,282 |
| Net loans and leases to core deposits | 81.0175% | 2,407 |
| Total domestic deposits to total assets | 87.6800% | 1,712 |
| Equity capital to assets | 10.9276% | 1,417 |
| Core capital (leverage) ratio | 10.8548% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $159,090,667 | 3,305 |
| Average earning assets | $151,845,667 | 3,255 |
| Average equity | $15,312,667 | 3,244 |
| Average total loans | $95,433,333 | 3,229 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 1,739 |
| Cost of funding earning assets | 0.9163% | 2,320 |
| Net interest margin | 3.8329% | 1,615 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.0942% | 3,396 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2594% | 1,774 |
| Return on assets (ROA) | 1.2594% | 1,746 |
| Pretax return on assets | 1.7487% | 1,176 |
| Return on Equity (ROE) | 13.8900% | 1,799 |
| Retained earnings to average equity (ytd only) | 5.1609% | 2,985 |
| Net charge-offs to loans | 0.0042% | 1,826 |
| Credit loss provision to net charge-offs | 1,100.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 740.0000% | 156 |
| Efficiency ratio | 54.1228% | 3,589 |
| Assets per employee ($millions) | 7.7422% | 1,492 |
| Cash dividends to net income (ytd only)* | 62.8571% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 931 |
| Loan loss allowance to noncurrent loans | 709.0909% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 2,568 |
| Noncurrent loans to loans | 0.2311% | 2,347 |
| Net loans and leases to total assets | 57.6000% | 2,902 |
| Net loans and leases to deposits | 64.6100% | 3,040 |
| Net loans and leases to core deposits | 67.1324% | 3,151 |
| Total domestic deposits to total assets | 89.1500% | 1,492 |
| Equity capital to assets | 9.3975% | 2,230 |
| Core capital (leverage) ratio | 9.6907% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $166,749,000 | 3,283 |
| Average earning assets | $159,775,500 | 3,238 |
| Average equity | $15,113,500 | 3,295 |
| Average total loans | $94,233,000 | 3,281 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 1,782 |
| Cost of funding earning assets | 0.3276% | 2,657 |
| Net interest margin | 3.6456% | 1,503 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.1899% | 3,058 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0979% | 2,181 |
| Return on assets (ROA) | 1.0979% | 2,119 |
| Pretax return on assets | 1.4617% | 1,567 |
| Return on Equity (ROE) | 11.5700% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.4671% | 1,326 |
| Net charge-offs to loans | -0.0022% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.0550% | 3,179 |
| Assets per employee ($millions) | 8.1387% | 1,257 |
| Cash dividends to net income (ytd only)* | 18.2039% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 855 |
| Loan loss allowance to noncurrent loans | 803.1088% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 2,736 |
| Noncurrent loans to loans | 0.2070% | 2,462 |
| Net loans and leases to total assets | 53.6600% | 3,232 |
| Net loans and leases to deposits | 60.6167% | 3,296 |
| Net loans and leases to core deposits | 63.5517% | 3,290 |
| Total domestic deposits to total assets | 88.5200% | 1,874 |
| Equity capital to assets | 8.7460% | 2,535 |
| Core capital (leverage) ratio | 9.7789% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $150,099,600 | 3,439 |
| Average earning assets | $143,762,200 | 3,388 |
| Average equity | $14,238,800 | 3,436 |
| Average total loans | $90,404,200 | 3,285 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7536% | 1,882 |
| Cost of funding earning assets | 0.2384% | 2,838 |
| Net interest margin | 3.5153% | 1,625 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.2287% | 2,848 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9174% | 2,808 |
| Return on assets (ROA) | 0.9174% | 2,773 |
| Pretax return on assets | 1.2901% | 2,078 |
| Return on Equity (ROE) | 9.4500% | 2,889 |
| Retained earnings to average equity (ytd only) | 6.6089% | 2,514 |
| Net charge-offs to loans | -0.0030% | 3,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.3584% | 2,785 |
| Assets per employee ($millions) | 7.1738% | 1,825 |
| Cash dividends to net income (ytd only)* | 30.0903% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,098 |
| Loan loss allowance to noncurrent loans | 959.1195% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 1,934 |
| Noncurrent loans to loans | 0.1652% | 2,770 |
| Net loans and leases to total assets | 62.8700% | 2,206 |
| Net loans and leases to deposits | 70.4220% | 2,327 |
| Net loans and leases to core deposits | 73.6428% | 2,374 |
| Total domestic deposits to total assets | 89.2800% | 1,970 |
| Equity capital to assets | 9.4332% | 1,923 |
| Core capital (leverage) ratio | 9.7351% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $144,896,500 | 3,513 |
| Average earning assets | $138,706,250 | 3,457 |
| Average equity | $14,061,500 | 3,498 |
| Average total loans | $89,691,000 | 3,302 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 2,327 |
| Cost of funding earning assets | 0.2060% | 2,838 |
| Net interest margin | 3.2336% | 2,098 |
| Noninterest income to average assets | 0.2238% | 3,852 |
| Noninterest expense to average assets | 2.2157% | 2,799 |
| Loan and lease loss provision to assets | 0.0280% | 2,086 |
| Net operating income to assets | 0.7721% | 3,054 |
| Return on assets (ROA) | 0.7721% | 3,019 |
| Pretax return on assets | 1.0757% | 2,495 |
| Return on Equity (ROE) | 7.8791% | 3,051 |
| Retained earnings to average equity (ytd only) | 3.5970% | 3,237 |
| Net charge-offs to loans | -0.0023% | 3,158 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7509% | 2,405 |
| Assets per employee ($millions) | 6.6743% | 2,189 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 1,138 |
| Loan loss allowance to noncurrent loans | 899.3939% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 1,906 |
| Noncurrent loans to loans | 0.1785% | 2,806 |
| Net loans and leases to total assets | 64.8932% | 1,817 |
| Net loans and leases to deposits | 72.8322% | 1,968 |
| Net loans and leases to core deposits | 75.8003% | 2,033 |
| Total domestic deposits to total assets | 89.0997% | 2,136 |
| Equity capital to assets | 9.9707% | 1,731 |
| Core capital (leverage) ratio | 10.3643% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,979,000 | 3,576 |
| Average earning assets | $136,873,667 | 3,526 |
| Average equity | $14,011,667 | 3,582 |
| Average total loans | $87,509,000 | 3,361 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2536% | 2,522 |
| Cost of funding earning assets | 0.2159% | 2,582 |
| Net interest margin | 3.0377% | 2,372 |
| Noninterest income to average assets | 0.2050% | 3,931 |
| Noninterest expense to average assets | 2.1529% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6927% | 3,085 |
| Return on assets (ROA) | 0.6927% | 3,074 |
| Pretax return on assets | 0.9753% | 2,520 |
| Return on Equity (ROE) | 7.1393% | 2,994 |
| Retained earnings to average equity (ytd only) | -1.4279% | 4,188 |
| Net charge-offs to loans | -0.0047% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8220% | 2,394 |
| Assets per employee ($millions) | 6.7864% | 2,161 |
| Cash dividends to net income (ytd only)* | 120.0000% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 1,062 |
| Loan loss allowance to noncurrent loans | 763.0208% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 1,943 |
| Noncurrent loans to loans | 0.2223% | 2,707 |
| Net loans and leases to total assets | 59.5892% | 2,105 |
| Net loans and leases to deposits | 67.0067% | 2,241 |
| Net loans and leases to core deposits | 69.9346% | 2,298 |
| Total domestic deposits to total assets | 88.9302% | 2,117 |
| Equity capital to assets | 9.6713% | 2,159 |
| Core capital (leverage) ratio | 10.0193% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,365,000 | 3,573 |
| Average earning assets | $138,922,000 | 3,511 |
| Average equity | $14,007,000 | 3,658 |
| Average total loans | $85,044,000 | 3,397 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6887% | 2,142 |
| Cost of funding earning assets | 0.3457% | 1,975 |
| Net interest margin | 3.3430% | 2,197 |
| Noninterest income to average assets | 0.2371% | 3,958 |
| Noninterest expense to average assets | 2.2552% | 2,928 |
| Loan and lease loss provision to assets | 0.0867% | 1,420 |
| Net operating income to assets | 0.8262% | 3,254 |
| Return on assets (ROA) | 0.8262% | 3,324 |
| Pretax return on assets | 1.1037% | 2,957 |
| Return on Equity (ROE) | 8.2663% | 3,141 |
| Retained earnings to average equity (ytd only) | 6.0967% | 2,322 |
| Net charge-offs to loans | 0.1526% | 630 |
| Credit loss provision to net charge-offs | 89.5522% | 1,884 |
| Earnings coverage of net charge-offs (x) | 12.2910% | 2,121 |
| Efficiency ratio | 65.4500% | 2,345 |
| Assets per employee ($millions) | 6.9627% | 1,954 |
| Cash dividends to net income (ytd only)* | 26.2467% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 952 |
| Loan loss allowance to noncurrent loans | 439.3393% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 1,694 |
| Noncurrent loans to loans | 0.3978% | 2,164 |
| Net loans and leases to total assets | 56.2435% | 2,574 |
| Net loans and leases to deposits | 63.5393% | 2,732 |
| Net loans and leases to core deposits | 66.8306% | 2,749 |
| Total domestic deposits to total assets | 88.5177% | 1,781 |
| Equity capital to assets | 9.7329% | 2,907 |
| Core capital (leverage) ratio | 9.8567% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,349,000 | 3,598 |
| Average earning assets | $132,784,400 | 3,545 |
| Average equity | $13,827,200 | 3,760 |
| Average total loans | $87,831,600 | 3,366 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 1,858 |
| Cost of funding earning assets | 0.3806% | 1,851 |
| Net interest margin | 3.4889% | 1,895 |
| Noninterest income to average assets | 0.2473% | 3,914 |
| Noninterest expense to average assets | 2.2417% | 2,923 |
| Loan and lease loss provision to assets | 0.1173% | 1,018 |
| Net operating income to assets | 0.8730% | 3,320 |
| Return on assets (ROA) | 0.8730% | 3,393 |
| Pretax return on assets | 1.2308% | 2,835 |
| Return on Equity (ROE) | 8.6742% | 3,208 |
| Retained earnings to average equity (ytd only) | 5.7601% | 2,929 |
| Net charge-offs to loans | 0.2356% | 346 |
| Credit loss provision to net charge-offs | 76.4331% | 1,730 |
| Earnings coverage of net charge-offs (x) | 8.7834% | 2,095 |
| Efficiency ratio | 62.4455% | 2,626 |
| Assets per employee ($millions) | 6.4330% | 2,308 |
| Cash dividends to net income (ytd only)* | 33.5946% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 1,048 |
| Loan loss allowance to noncurrent loans | 1,170.7317% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 2,468 |
| Noncurrent loans to loans | 0.1477% | 3,381 |
| Net loans and leases to total assets | 60.5593% | 2,187 |
| Net loans and leases to deposits | 68.7415% | 2,364 |
| Net loans and leases to core deposits | 72.6230% | 2,359 |
| Total domestic deposits to total assets | 88.0972% | 1,782 |
| Equity capital to assets | 10.4157% | 2,522 |
| Core capital (leverage) ratio | 10.0474% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,382,250 | 3,659 |
| Average earning assets | $130,659,750 | 3,607 |
| Average equity | $13,726,250 | 3,815 |
| Average total loans | $88,864,500 | 3,396 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 1,888 |
| Cost of funding earning assets | 0.4172% | 1,748 |
| Net interest margin | 3.4568% | 1,985 |
| Noninterest income to average assets | 0.2558% | 3,863 |
| Noninterest expense to average assets | 2.2089% | 3,068 |
| Loan and lease loss provision to assets | 0.1316% | 939 |
| Net operating income to assets | 0.8610% | 3,332 |
| Return on assets (ROA) | 0.8610% | 3,409 |
| Pretax return on assets | 1.2221% | 2,853 |
| Return on Equity (ROE) | 8.6546% | 3,210 |
| Retained earnings to average equity (ytd only) | 4.2465% | 3,440 |
| Net charge-offs to loans | -0.0044% | 3,397 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0025% | 2,726 |
| Assets per employee ($millions) | 6.7915% | 1,949 |
| Cash dividends to net income (ytd only)* | 50.9338% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 1,034 |
| Loan loss allowance to noncurrent loans | 1,296.6942% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,635 |
| Noncurrent loans to loans | 0.1321% | 3,527 |
| Net loans and leases to total assets | 63.1218% | 2,047 |
| Net loans and leases to deposits | 70.0170% | 2,405 |
| Net loans and leases to core deposits | 73.3682% | 2,476 |
| Total domestic deposits to total assets | 90.1522% | 700 |
| Equity capital to assets | 9.6648% | 3,185 |
| Core capital (leverage) ratio | 9.9070% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,811,667 | 3,666 |
| Average earning assets | $130,873,000 | 3,619 |
| Average equity | $13,611,333 | 3,831 |
| Average total loans | $90,735,333 | 3,387 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 1,608 |
| Cost of funding earning assets | 0.4724% | 1,578 |
| Net interest margin | 3.5287% | 1,750 |
| Noninterest income to average assets | 0.2688% | 3,789 |
| Noninterest expense to average assets | 2.2224% | 3,038 |
| Loan and lease loss provision to assets | 0.1344% | 1,006 |
| Net operating income to assets | 0.9111% | 3,103 |
| Return on assets (ROA) | 0.9111% | 3,179 |
| Pretax return on assets | 1.2815% | 2,617 |
| Return on Equity (ROE) | 9.0203% | 3,032 |
| Retained earnings to average equity (ytd only) | 0.1479% | 4,352 |
| Net charge-offs to loans | -0.0044% | 3,341 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0837% | 2,899 |
| Assets per employee ($millions) | 6.4970% | 2,179 |
| Cash dividends to net income (ytd only)* | 98.3607% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 1,143 |
| Loan loss allowance to noncurrent loans | 1,180.6202% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 3,574 |
| Noncurrent loans to loans | 0.1407% | 3,617 |
| Net loans and leases to total assets | 66.0620% | 1,796 |
| Net loans and leases to deposits | 73.6038% | 2,147 |
| Net loans and leases to core deposits | 77.9380% | 2,191 |
| Total domestic deposits to total assets | 89.7535% | 929 |
| Equity capital to assets | 9.9057% | 2,793 |
| Core capital (leverage) ratio | 10.1464% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,907,000 | 3,697 |
| Average earning assets | $127,864,500 | 3,649 |
| Average equity | $13,525,000 | 3,842 |
| Average total loans | $90,306,000 | 3,406 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,158 |
| Cost of funding earning assets | 0.6928% | 1,754 |
| Net interest margin | 3.8763% | 1,287 |
| Noninterest income to average assets | 0.2475% | 4,004 |
| Noninterest expense to average assets | 2.4934% | 2,868 |
| Loan and lease loss provision to assets | 0.2760% | 1,391 |
| Net operating income to assets | 0.8979% | 2,707 |
| Return on assets (ROA) | 0.8979% | 2,839 |
| Pretax return on assets | 1.1901% | 2,361 |
| Return on Equity (ROE) | 8.4651% | 2,621 |
| Retained earnings to average equity (ytd only) | 5.9325% | 1,825 |
| Net charge-offs to loans | -0.0055% | 4,162 |
| Credit loss provision to net charge-offs | -6,780.0000% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9729% | 2,980 |
| Assets per employee ($millions) | 5.7120% | 2,611 |
| Cash dividends to net income (ytd only)* | 29.9184% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 1,137 |
| Loan loss allowance to noncurrent loans | 1,078.1022% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 3,779 |
| Noncurrent loans to loans | 0.1540% | 3,667 |
| Net loans and leases to total assets | 66.5862% | 2,008 |
| Net loans and leases to deposits | 74.5441% | 2,434 |
| Net loans and leases to core deposits | 79.2748% | 2,421 |
| Total domestic deposits to total assets | 89.3246% | 843 |
| Equity capital to assets | 10.3024% | 2,834 |
| Core capital (leverage) ratio | 10.3963% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,842,600 | 3,712 |
| Average earning assets | $117,637,400 | 3,653 |
| Average equity | $13,030,000 | 3,860 |
| Average total loans | $91,575,800 | 3,378 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 1,095 |
| Cost of funding earning assets | 0.7360% | 1,825 |
| Net interest margin | 3.9490% | 1,240 |
| Noninterest income to average assets | 0.2485% | 3,989 |
| Noninterest expense to average assets | 2.5107% | 2,805 |
| Loan and lease loss provision to assets | 0.2750% | 1,460 |
| Net operating income to assets | 0.8836% | 2,760 |
| Return on assets (ROA) | 0.8836% | 2,887 |
| Pretax return on assets | 1.2437% | 2,252 |
| Return on Equity (ROE) | 8.2661% | 2,701 |
| Retained earnings to average equity (ytd only) | 4.8563% | 2,628 |
| Net charge-offs to loans | -0.0043% | 4,024 |
| Credit loss provision to net charge-offs | -8,300.0000% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3081% | 3,021 |
| Assets per employee ($millions) | 5.8796% | 2,370 |
| Cash dividends to net income (ytd only)* | 41.2500% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,654 |
| Loan loss allowance to noncurrent loans | 791.4286% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 3,748 |
| Noncurrent loans to loans | 0.1794% | 3,664 |
| Net loans and leases to total assets | 74.3622% | 1,329 |
| Net loans and leases to deposits | 83.1890% | 1,999 |
| Net loans and leases to core deposits | 88.9404% | 2,069 |
| Total domestic deposits to total assets | 89.3894% | 621 |
| Equity capital to assets | 10.2356% | 3,026 |
| Core capital (leverage) ratio | 10.1100% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,709,000 | 3,730 |
| Average earning assets | $115,569,500 | 3,671 |
| Average equity | $12,903,750 | 3,878 |
| Average total loans | $92,230,750 | 3,381 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 992 |
| Cost of funding earning assets | 0.7779% | 1,946 |
| Net interest margin | 4.1125% | 1,086 |
| Noninterest income to average assets | 0.2308% | 4,103 |
| Noninterest expense to average assets | 2.5766% | 2,750 |
| Loan and lease loss provision to assets | 0.2699% | 1,586 |
| Net operating income to assets | 0.9404% | 2,538 |
| Return on assets (ROA) | 0.9404% | 2,666 |
| Pretax return on assets | 1.3240% | 1,950 |
| Return on Equity (ROE) | 8.6619% | 2,509 |
| Retained earnings to average equity (ytd only) | 3.5023% | 3,179 |
| Net charge-offs to loans | -0.0044% | 3,984 |
| Credit loss provision to net charge-offs | -7,950.0000% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7827% | 3,160 |
| Assets per employee ($millions) | 5.8174% | 2,354 |
| Cash dividends to net income (ytd only)* | 59.5668% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 1,919 |
| Loan loss allowance to noncurrent loans | 691.9786% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 3,792 |
| Noncurrent loans to loans | 0.1904% | 3,696 |
| Net loans and leases to total assets | 75.7482% | 1,176 |
| Net loans and leases to deposits | 84.8414% | 1,909 |
| Net loans and leases to core deposits | 91.1848% | 1,970 |
| Total domestic deposits to total assets | 89.2821% | 648 |
| Equity capital to assets | 10.1561% | 3,062 |
| Core capital (leverage) ratio | 10.3125% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,828,000 | 3,752 |
| Average earning assets | $112,874,667 | 3,695 |
| Average equity | $12,791,667 | 3,897 |
| Average total loans | $90,449,667 | 3,403 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 1,243 |
| Cost of funding earning assets | 0.8547% | 2,092 |
| Net interest margin | 4.0257% | 1,320 |
| Noninterest income to average assets | 0.2235% | 4,216 |
| Noninterest expense to average assets | 2.6962% | 2,713 |
| Loan and lease loss provision to assets | 0.2306% | 1,346 |
| Net operating income to assets | 0.8231% | 2,821 |
| Return on assets (ROA) | 0.8231% | 2,907 |
| Pretax return on assets | 1.1565% | 2,345 |
| Return on Equity (ROE) | 7.3137% | 2,822 |
| Retained earnings to average equity (ytd only) | -3.0894% | 4,363 |
| Net charge-offs to loans | -0.0092% | 4,051 |
| Credit loss provision to net charge-offs | -3,250.0000% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0295% | 2,958 |
| Assets per employee ($millions) | 5.2165% | 2,406 |
| Cash dividends to net income (ytd only)* | 142.2414% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 1,895 |
| Loan loss allowance to noncurrent loans | 609.1371% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,806 |
| Noncurrent loans to loans | 0.2221% | 3,687 |
| Net loans and leases to total assets | 76.2338% | 1,261 |
| Net loans and leases to deposits | 86.1282% | 1,981 |
| Net loans and leases to core deposits | 92.1684% | 2,135 |
| Total domestic deposits to total assets | 88.5121% | 877 |
| Equity capital to assets | 11.0331% | 2,826 |
| Core capital (leverage) ratio | 11.2514% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,751,000 | 3,805 |
| Average earning assets | $108,105,500 | 3,749 |
| Average equity | $12,688,500 | 3,916 |
| Average total loans | $86,555,500 | 3,470 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 849 |
| Cost of funding earning assets | 0.8571% | 2,395 |
| Net interest margin | 4.4243% | 850 |
| Noninterest income to average assets | 0.2515% | 4,173 |
| Noninterest expense to average assets | 2.8488% | 2,445 |
| Loan and lease loss provision to assets | 0.2160% | 912 |
| Net operating income to assets | 1.0750% | 2,545 |
| Return on assets (ROA) | 1.0750% | 2,643 |
| Pretax return on assets | 1.3783% | 2,239 |
| Return on Equity (ROE) | 9.1937% | 2,663 |
| Retained earnings to average equity (ytd only) | 7.3468% | 1,234 |
| Net charge-offs to loans | 0.0586% | 2,264 |
| Credit loss provision to net charge-offs | 478.7234% | 608 |
| Earnings coverage of net charge-offs (x) | 35.3404% | 1,419 |
| Efficiency ratio | 64.1175% | 3,058 |
| Assets per employee ($millions) | 5.0335% | 2,551 |
| Cash dividends to net income (ytd only)* | 20.0893% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 1,739 |
| Loan loss allowance to noncurrent loans | 550.0000% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 3,723 |
| Noncurrent loans to loans | 0.2440% | 3,572 |
| Net loans and leases to total assets | 75.2127% | 1,548 |
| Net loans and leases to deposits | 85.2672% | 2,180 |
| Net loans and leases to core deposits | 91.0451% | 2,320 |
| Total domestic deposits to total assets | 88.2082% | 1,028 |
| Equity capital to assets | 11.4821% | 2,544 |
| Core capital (leverage) ratio | 11.6612% | 1,990 |
| Tier 1 risk-based capital ratio | 14.8725% | 2,835 |
| Total risk-based capital ratio | 16.1243% | 2,766 |
| Memoranda: | ||
| Average total assets | $104,183,000 | 3,935 |
| Average earning assets | $98,705,400 | 3,897 |
| Average equity | $12,182,200 | 3,976 |
| Average total loans | $80,171,800 | 3,601 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3600% | 761 |
| Cost of funding earning assets | 0.8327% | 2,552 |
| Net interest margin | 4.5273% | 725 |
| Noninterest income to average assets | 0.2470% | 4,260 |
| Noninterest expense to average assets | 2.8254% | 2,493 |
| Loan and lease loss provision to assets | 0.1755% | 1,049 |
| Net operating income to assets | 1.0688% | 2,692 |
| Return on assets (ROA) | 1.0688% | 2,781 |
| Pretax return on assets | 1.5161% | 1,908 |
| Return on Equity (ROE) | 9.0959% | 2,846 |
| Retained earnings to average equity (ytd only) | 6.6062% | 2,054 |
| Net charge-offs to loans | 0.0674% | 1,861 |
| Credit loss provision to net charge-offs | 337.5000% | 878 |
| Earnings coverage of net charge-offs (x) | 32.5262% | 1,557 |
| Efficiency ratio | 62.5504% | 3,239 |
| Assets per employee ($millions) | 4.8109% | 2,776 |
| Cash dividends to net income (ytd only)* | 27.3721% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 1,881 |
| Loan loss allowance to noncurrent loans | 319.1489% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 3,362 |
| Noncurrent loans to loans | 0.4138% | 3,064 |
| Net loans and leases to total assets | 70.9040% | 2,339 |
| Net loans and leases to deposits | 80.1987% | 2,876 |
| Net loans and leases to core deposits | 84.8531% | 3,009 |
| Total domestic deposits to total assets | 88.4104% | 865 |
| Equity capital to assets | 11.2335% | 2,890 |
| Core capital (leverage) ratio | 11.7942% | 1,999 |
| Tier 1 risk-based capital ratio | 15.7325% | 2,540 |
| Total risk-based capital ratio | 16.9844% | 2,476 |
| Memoranda: | ||
| Average total assets | $102,544,250 | 4,002 |
| Average earning assets | $96,714,000 | 3,966 |
| Average equity | $12,049,000 | 4,028 |
| Average total loans | $79,109,250 | 3,655 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 733 |
| Cost of funding earning assets | 0.7936% | 2,677 |
| Net interest margin | 4.5587% | 673 |
| Noninterest income to average assets | 0.2384% | 4,329 |
| Noninterest expense to average assets | 2.8946% | 2,297 |
| Loan and lease loss provision to assets | 0.1803% | 990 |
| Net operating income to assets | 1.0537% | 2,708 |
| Return on assets (ROA) | 1.0537% | 2,774 |
| Pretax return on assets | 1.4783% | 1,922 |
| Return on Equity (ROE) | 8.8240% | 2,927 |
| Retained earnings to average equity (ytd only) | 5.0495% | 2,747 |
| Net charge-offs to loans | 0.1064% | 1,335 |
| Credit loss provision to net charge-offs | 214.2857% | 1,145 |
| Earnings coverage of net charge-offs (x) | 19.7143% | 1,809 |
| Efficiency ratio | 63.5724% | 3,203 |
| Assets per employee ($millions) | 4.3927% | 3,296 |
| Cash dividends to net income (ytd only)* | 42.7757% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,147 |
| Loan loss allowance to noncurrent loans | 295.8702% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 3,191 |
| Noncurrent loans to loans | 0.4284% | 2,995 |
| Net loans and leases to total assets | 77.3386% | 1,337 |
| Net loans and leases to deposits | 88.1876% | 1,980 |
| Net loans and leases to core deposits | 93.5671% | 2,276 |
| Total domestic deposits to total assets | 87.6978% | 1,245 |
| Equity capital to assets | 12.0092% | 2,178 |
| Core capital (leverage) ratio | 12.1183% | 1,744 |
| Tier 1 risk-based capital ratio | 15.5250% | 2,618 |
| Total risk-based capital ratio | 16.7765% | 2,546 |
| Memoranda: | ||
| Average total assets | $99,842,000 | 4,070 |
| Average earning assets | $94,501,000 | 4,026 |
| Average equity | $11,922,000 | 4,056 |
| Average total loans | $78,977,000 | 3,680 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 802 |
| Cost of funding earning assets | 0.7486% | 2,797 |
| Net interest margin | 4.5213% | 708 |
| Noninterest income to average assets | 0.2257% | 4,391 |
| Noninterest expense to average assets | 2.9099% | 2,248 |
| Loan and lease loss provision to assets | 0.1814% | 908 |
| Net operating income to assets | 1.0076% | 2,812 |
| Return on assets (ROA) | 1.0076% | 2,855 |
| Pretax return on assets | 1.4187% | 2,017 |
| Return on Equity (ROE) | 8.4627% | 3,059 |
| Retained earnings to average equity (ytd only) | 0.8463% | 4,353 |
| Net charge-offs to loans | 0.1825% | 761 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 11.0278% | 1,926 |
| Efficiency ratio | 64.5219% | 3,156 |
| Assets per employee ($millions) | 4.3265% | 3,456 |
| Cash dividends to net income (ytd only)* | 90.0000% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,403 |
| Loan loss allowance to noncurrent loans | 301.2500% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 3,310 |
| Noncurrent loans to loans | 0.4098% | 3,118 |
| Net loans and leases to total assets | 77.4945% | 1,238 |
| Net loans and leases to deposits | 88.4406% | 1,815 |
| Net loans and leases to core deposits | 93.0463% | 2,206 |
| Total domestic deposits to total assets | 87.6232% | 1,507 |
| Equity capital to assets | 11.8964% | 2,088 |
| Core capital (leverage) ratio | 11.8592% | 1,862 |
| Tier 1 risk-based capital ratio | 15.4226% | 2,688 |
| Total risk-based capital ratio | 16.6728% | 2,600 |
| Memoranda: | ||
| Average total assets | $99,247,500 | 4,117 |
| Average earning assets | $94,043,500 | 4,075 |
| Average equity | $11,816,500 | 4,081 |
| Average total loans | $78,896,000 | 3,716 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0262% | 993 |
| Cost of funding earning assets | 0.4557% | 3,641 |
| Net interest margin | 4.5705% | 653 |
| Noninterest income to average assets | 0.3205% | 3,961 |
| Noninterest expense to average assets | 2.8148% | 2,638 |
| Loan and lease loss provision to assets | 0.6780% | 154 |
| Net operating income to assets | 0.8198% | 3,727 |
| Return on assets (ROA) | 0.8198% | 3,732 |
| Pretax return on assets | 1.1547% | 3,083 |
| Return on Equity (ROE) | 6.9590% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.7788% | 2,904 |
| Net charge-offs to loans | 0.9239% | 166 |
| Credit loss provision to net charge-offs | 91.5395% | 2,701 |
| Earnings coverage of net charge-offs (x) | 2.4743% | 3,514 |
| Efficiency ratio | 60.5659% | 3,768 |
| Assets per employee ($millions) | 4.7136% | 2,856 |
| Cash dividends to net income (ytd only)* | 31.3283% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,585 |
| Loan loss allowance to noncurrent loans | 132.6389% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 1,767 |
| Noncurrent loans to loans | 0.9032% | 1,774 |
| Net loans and leases to total assets | 79.5658% | 1,006 |
| Net loans and leases to deposits | 90.9069% | 1,682 |
| Net loans and leases to core deposits | 94.9098% | 2,151 |
| Total domestic deposits to total assets | 87.5245% | 1,524 |
| Equity capital to assets | 11.9158% | 1,960 |
| Core capital (leverage) ratio | 12.1572% | 1,636 |
| Tier 1 risk-based capital ratio | 15.0535% | 2,807 |
| Total risk-based capital ratio | 16.3043% | 2,738 |
| Memoranda: | ||
| Average total assets | $97,341,600 | 4,146 |
| Average earning assets | $92,156,400 | 4,103 |
| Average equity | $11,467,200 | 4,090 |
| Average total loans | $78,037,000 | 3,704 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 1,042 |
| Cost of funding earning assets | 0.4075% | 3,806 |
| Net interest margin | 4.5435% | 680 |
| Noninterest income to average assets | 0.3466% | 3,822 |
| Noninterest expense to average assets | 2.7675% | 2,751 |
| Loan and lease loss provision to assets | 0.8171% | 108 |
| Net operating income to assets | 0.7593% | 4,046 |
| Return on assets (ROA) | 0.7593% | 4,056 |
| Pretax return on assets | 1.0564% | 3,552 |
| Return on Equity (ROE) | 6.4643% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.5367% | 4,002 |
| Net charge-offs to loans | 0.0773% | 1,748 |
| Credit loss provision to net charge-offs | 1,320.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 30.2658% | 1,597 |
| Efficiency ratio | 59.6325% | 3,861 |
| Assets per employee ($millions) | 4.2961% | 3,424 |
| Cash dividends to net income (ytd only)* | 45.2906% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 555 |
| Loan loss allowance to noncurrent loans | 122.4570% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 994 |
| Noncurrent loans to loans | 1.5798% | 1,009 |
| Net loans and leases to total assets | 83.9338% | 462 |
| Net loans and leases to deposits | 96.1413% | 1,139 |
| Net loans and leases to core deposits | 98.5686% | 1,898 |
| Total domestic deposits to total assets | 87.3025% | 1,595 |
| Equity capital to assets | 12.2012% | 1,771 |
| Core capital (leverage) ratio | 12.0637% | 1,751 |
| Tier 1 risk-based capital ratio | 14.5423% | 3,105 |
| Total risk-based capital ratio | 15.8016% | 3,015 |
| Memoranda: | ||
| Average total assets | $96,930,500 | 4,196 |
| Average earning assets | $91,615,750 | 4,151 |
| Average equity | $11,385,250 | 4,137 |
| Average total loans | $77,617,750 | 3,746 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 1,211 |
| Cost of funding earning assets | 0.3694% | 3,942 |
| Net interest margin | 4.4455% | 774 |
| Noninterest income to average assets | 0.3827% | 3,600 |
| Noninterest expense to average assets | 2.7769% | 2,735 |
| Loan and lease loss provision to assets | 0.2067% | 815 |
| Net operating income to assets | 1.1132% | 2,535 |
| Return on assets (ROA) | 1.1132% | 2,540 |
| Pretax return on assets | 1.5859% | 1,547 |
| Return on Equity (ROE) | 9.5975% | 2,757 |
| Retained earnings to average equity (ytd only) | 5.1869% | 2,979 |
| Net charge-offs to loans | 0.1202% | 1,212 |
| Credit loss provision to net charge-offs | 219.5652% | 1,223 |
| Earnings coverage of net charge-offs (x) | 19.0435% | 1,869 |
| Efficiency ratio | 60.7703% | 3,802 |
| Assets per employee ($millions) | 4.5981% | 2,974 |
| Cash dividends to net income (ytd only)* | 45.9559% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 1,928 |
| Loan loss allowance to noncurrent loans | 287.9032% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 3,209 |
| Noncurrent loans to loans | 0.4699% | 3,027 |
| Net loans and leases to total assets | 80.8699% | 878 |
| Net loans and leases to deposits | 92.3179% | 1,542 |
| Net loans and leases to core deposits | 94.5845% | 2,173 |
| Total domestic deposits to total assets | 87.5994% | 1,589 |
| Equity capital to assets | 11.9408% | 1,891 |
| Core capital (leverage) ratio | 11.9596% | 1,740 |
| Tier 1 risk-based capital ratio | 14.7081% | 3,016 |
| Total risk-based capital ratio | 15.9609% | 2,944 |
| Memoranda: | ||
| Average total assets | $97,735,670 | 4,214 |
| Average earning assets | $92,047,330 | 4,182 |
| Average equity | $11,336,330 | 4,180 |
| Average total loans | $76,525,330 | 3,790 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 1,366 |
| Cost of funding earning assets | 0.3466% | 4,020 |
| Net interest margin | 4.3278% | 907 |
| Noninterest income to average assets | 0.2441% | 4,543 |
| Noninterest expense to average assets | 2.7542% | 2,863 |
| Loan and lease loss provision to assets | 0.2278% | 689 |
| Net operating income to assets | 0.9560% | 3,047 |
| Return on assets (ROA) | 0.9560% | 3,065 |
| Pretax return on assets | 1.3262% | 2,264 |
| Return on Equity (ROE) | 8.3634% | 3,211 |
| Retained earnings to average equity (ytd only) | -0.5338% | 4,864 |
| Net charge-offs to loans | 0.2447% | 626 |
| Credit loss provision to net charge-offs | 121.7391% | 1,370 |
| Earnings coverage of net charge-offs (x) | 8.3043% | 2,042 |
| Efficiency ratio | 63.9282% | 3,491 |
| Assets per employee ($millions) | 4.5168% | 3,126 |
| Cash dividends to net income (ytd only)* | 106.3830% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 2,022 |
| Loan loss allowance to noncurrent loans | 268.5864% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 2,281 |
| Noncurrent loans to loans | 0.5026% | 3,005 |
| Net loans and leases to total assets | 75.4602% | 1,626 |
| Net loans and leases to deposits | 85.4908% | 2,231 |
| Net loans and leases to core deposits | 87.5920% | 2,667 |
| Total domestic deposits to total assets | 88.2670% | 1,477 |
| Equity capital to assets | 11.2943% | 2,307 |
| Core capital (leverage) ratio | 11.5934% | 1,939 |
| Tier 1 risk-based capital ratio | 14.3896% | 3,176 |
| Total risk-based capital ratio | 15.6412% | 3,091 |
| Memoranda: | ||
| Average total assets | $98,323,500 | 4,245 |
| Average earning assets | $92,333,000 | 4,223 |
| Average equity | $11,239,500 | 4,240 |
| Average total loans | $75,208,500 | 3,864 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 2,920 |
| Cost of funding earning assets | 0.3195% | 3,956 |
| Net interest margin | 3.8185% | 2,360 |
| Noninterest income to average assets | 0.2504% | 4,632 |
| Noninterest expense to average assets | 2.5736% | 3,531 |
| Loan and lease loss provision to assets | 0.0480% | 3,265 |
| Net operating income to assets | 0.6743% | 3,710 |
| Return on assets (ROA) | 0.6743% | 3,762 |
| Pretax return on assets | 1.1942% | 2,797 |
| Return on Equity (ROE) | 6.4096% | 3,575 |
| Retained earnings to average equity (ytd only) | 4.3581% | 2,542 |
| Net charge-offs to loans | 0.0043% | 3,941 |
| Credit loss provision to net charge-offs | 1,666.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 431.6667% | 198 |
| Efficiency ratio | 67.4460% | 3,010 |
| Assets per employee ($millions) | 4.6323% | 2,975 |
| Cash dividends to net income (ytd only)* | 32.0057% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,906 |
| Loan loss allowance to noncurrent loans | 135.8289% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7689% | 2,030 |
| Noncurrent loans to loans | 1.0053% | 1,766 |
| Net loans and leases to total assets | 75.4446% | 1,688 |
| Net loans and leases to deposits | 85.8404% | 2,280 |
| Net loans and leases to core deposits | 88.0009% | 2,721 |
| Total domestic deposits to total assets | 87.8893% | 1,556 |
| Equity capital to assets | 11.5710% | 2,138 |
| Core capital (leverage) ratio | 11.5979% | 1,869 |
| Tier 1 risk-based capital ratio | 14.5786% | 3,051 |
| Total risk-based capital ratio | 15.8308% | 2,973 |
| Memoranda: | ||
| Average total assets | $104,252,400 | 4,164 |
| Average earning assets | $97,342,800 | 4,142 |
| Average equity | $10,968,000 | 4,303 |
| Average total loans | $70,061,800 | 3,959 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 3,327 |
| Cost of funding earning assets | 0.3155% | 3,982 |
| Net interest margin | 3.6930% | 2,783 |
| Noninterest income to average assets | 0.2541% | 4,686 |
| Noninterest expense to average assets | 2.5145% | 3,685 |
| Loan and lease loss provision to assets | 0.0252% | 3,635 |
| Net operating income to assets | 0.7107% | 3,919 |
| Return on assets (ROA) | 0.7107% | 3,985 |
| Pretax return on assets | 1.1598% | 3,069 |
| Return on Equity (ROE) | 6.9136% | 3,708 |
| Retained earnings to average equity (ytd only) | 4.1604% | 3,428 |
| Net charge-offs to loans | 0.0077% | 3,453 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 235.6417% | 373 |
| Efficiency ratio | 67.9701% | 2,878 |
| Assets per employee ($millions) | 4.3593% | 3,373 |
| Cash dividends to net income (ytd only)* | 39.8229% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 2,152 |
| Loan loss allowance to noncurrent loans | 145.9259% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 2,478 |
| Noncurrent loans to loans | 0.9203% | 2,082 |
| Net loans and leases to total assets | 72.1715% | 2,232 |
| Net loans and leases to deposits | 81.7142% | 2,810 |
| Net loans and leases to core deposits | 83.3837% | 3,181 |
| Total domestic deposits to total assets | 88.3218% | 1,204 |
| Equity capital to assets | 11.1117% | 2,752 |
| Core capital (leverage) ratio | 11.4169% | 2,084 |
| Tier 1 risk-based capital ratio | 14.5257% | 3,168 |
| Total risk-based capital ratio | 15.7770% | 3,082 |
| Memoranda: | ||
| Average total assets | $105,996,000 | 4,179 |
| Average earning assets | $98,887,750 | 4,161 |
| Average equity | $10,896,000 | 4,358 |
| Average total loans | $68,975,500 | 4,018 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 3,742 |
| Cost of funding earning assets | 0.3121% | 3,955 |
| Net interest margin | 3.5329% | 3,285 |
| Noninterest income to average assets | 0.2539% | 4,719 |
| Noninterest expense to average assets | 2.4910% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6506% | 4,080 |
| Return on assets (ROA) | 0.6506% | 4,129 |
| Pretax return on assets | 1.0565% | 3,352 |
| Return on Equity (ROE) | 6.4914% | 3,827 |
| Retained earnings to average equity (ytd only) | 2.3302% | 4,286 |
| Net charge-offs to loans | -0.0178% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2194% | 2,638 |
| Assets per employee ($millions) | 4.7511% | 2,720 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 2,006 |
| Loan loss allowance to noncurrent loans | 195.0000% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 3,090 |
| Noncurrent loans to loans | 0.7111% | 2,622 |
| Net loans and leases to total assets | 69.4998% | 2,598 |
| Net loans and leases to deposits | 78.4563% | 3,071 |
| Net loans and leases to core deposits | 79.5727% | 3,451 |
| Total domestic deposits to total assets | 88.5841% | 1,162 |
| Equity capital to assets | 10.9509% | 2,859 |
| Core capital (leverage) ratio | 10.7593% | 2,640 |
| Tier 1 risk-based capital ratio | 15.1198% | 2,877 |
| Total risk-based capital ratio | 16.3716% | 2,812 |
| Memoranda: | ||
| Average total assets | $107,906,670 | 4,170 |
| Average earning assets | $100,597,000 | 4,152 |
| Average equity | $10,814,330 | 4,386 |
| Average total loans | $67,518,330 | 4,076 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6370% | 4,314 |
| Cost of funding earning assets | 0.3002% | 4,046 |
| Net interest margin | 3.3368% | 3,898 |
| Noninterest income to average assets | 0.2322% | 4,883 |
| Noninterest expense to average assets | 2.4399% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5466% | 4,396 |
| Return on assets (ROA) | 0.5466% | 4,438 |
| Pretax return on assets | 0.8895% | 3,809 |
| Return on Equity (ROE) | 5.6885% | 4,047 |
| Retained earnings to average equity (ytd only) | -1.7475% | 5,150 |
| Net charge-offs to loans | -0.0363% | 5,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2833% | 2,359 |
| Assets per employee ($millions) | 5.8786% | 1,594 |
| Cash dividends to net income (ytd only)* | 130.7190% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,876 |
| Loan loss allowance to noncurrent loans | 264.9457% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 3,939 |
| Noncurrent loans to loans | 0.5459% | 3,179 |
| Net loans and leases to total assets | 56.5075% | 4,115 |
| Net loans and leases to deposits | 62.4643% | 4,406 |
| Net loans and leases to core deposits | 62.9126% | 4,597 |
| Total domestic deposits to total assets | 90.4637% | 486 |
| Equity capital to assets | 9.1357% | 4,675 |
| Core capital (leverage) ratio | 10.1604% | 3,300 |
| Tier 1 risk-based capital ratio | 15.0154% | 2,957 |
| Total risk-based capital ratio | 16.2678% | 2,884 |
| Memoranda: | ||
| Average total assets | $111,973,500 | 4,136 |
| Average earning assets | $103,932,500 | 4,132 |
| Average equity | $10,758,500 | 4,427 |
| Average total loans | $66,119,000 | 4,127 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 3,328 |
| Cost of funding earning assets | 0.3274% | 3,771 |
| Net interest margin | 3.6378% | 2,933 |
| Noninterest income to average assets | 0.3509% | 4,221 |
| Noninterest expense to average assets | 2.6111% | 3,644 |
| Loan and lease loss provision to assets | 0.0161% | 4,053 |
| Net operating income to assets | 0.7160% | 3,708 |
| Return on assets (ROA) | 0.7199% | 3,806 |
| Pretax return on assets | 1.1703% | 2,806 |
| Return on Equity (ROE) | 6.8433% | 3,553 |
| Retained earnings to average equity (ytd only) | 5.4096% | 2,072 |
| Net charge-offs to loans | 0.0164% | 3,746 |
| Credit loss provision to net charge-offs | 145.4545% | 1,883 |
| Earnings coverage of net charge-offs (x) | 106.7273% | 565 |
| Efficiency ratio | 68.8677% | 3,096 |
| Assets per employee ($millions) | 5.0628% | 2,324 |
| Cash dividends to net income (ytd only)* | 20.9497% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,688 |
| Loan loss allowance to noncurrent loans | 254.3307% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 3,642 |
| Noncurrent loans to loans | 0.5877% | 3,087 |
| Net loans and leases to total assets | 60.0617% | 3,842 |
| Net loans and leases to deposits | 67.4472% | 4,134 |
| Net loans and leases to core deposits | 68.9080% | 4,329 |
| Total domestic deposits to total assets | 89.0499% | 1,092 |
| Equity capital to assets | 10.1139% | 3,591 |
| Core capital (leverage) ratio | 10.4219% | 2,958 |
| Tier 1 risk-based capital ratio | 15.7496% | 2,649 |
| Total risk-based capital ratio | 17.0026% | 2,572 |
| Memoranda: | ||
| Average total assets | $99,461,600 | 4,355 |
| Average earning assets | $94,069,000 | 4,307 |
| Average equity | $10,462,800 | 4,500 |
| Average total loans | $66,888,200 | 4,121 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 3,211 |
| Cost of funding earning assets | 0.3303% | 3,777 |
| Net interest margin | 3.6765% | 2,805 |
| Noninterest income to average assets | 0.3642% | 4,173 |
| Noninterest expense to average assets | 2.6189% | 3,598 |
| Loan and lease loss provision to assets | 0.0273% | 3,699 |
| Net operating income to assets | 0.7339% | 3,677 |
| Return on assets (ROA) | 0.7339% | 3,813 |
| Pretax return on assets | 1.1949% | 2,859 |
| Return on Equity (ROE) | 6.9038% | 3,610 |
| Retained earnings to average equity (ytd only) | 4.9789% | 2,845 |
| Net charge-offs to loans | 0.0237% | 3,198 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | 74.6650% | 826 |
| Efficiency ratio | 68.1818% | 3,193 |
| Assets per employee ($millions) | 4.7975% | 2,613 |
| Cash dividends to net income (ytd only)* | 27.8816% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 2,183 |
| Loan loss allowance to noncurrent loans | 249.2308% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 3,569 |
| Noncurrent loans to loans | 0.5632% | 3,311 |
| Net loans and leases to total assets | 67.7681% | 2,825 |
| Net loans and leases to deposits | 76.7057% | 3,322 |
| Net loans and leases to core deposits | 78.0259% | 3,663 |
| Total domestic deposits to total assets | 88.3482% | 1,214 |
| Equity capital to assets | 10.5610% | 3,500 |
| Core capital (leverage) ratio | 10.6264% | 2,849 |
| Tier 1 risk-based capital ratio | 14.8691% | 3,115 |
| Total risk-based capital ratio | 16.1212% | 3,044 |
| Memoranda: | ||
| Average total assets | $97,747,250 | 4,421 |
| Average earning assets | $92,441,750 | 4,376 |
| Average equity | $10,390,250 | 4,556 |
| Average total loans | $67,403,750 | 4,141 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,172 |
| Cost of funding earning assets | 0.3294% | 3,801 |
| Net interest margin | 3.6928% | 2,721 |
| Noninterest income to average assets | 0.3948% | 3,908 |
| Noninterest expense to average assets | 2.6543% | 3,534 |
| Loan and lease loss provision to assets | 0.0413% | 3,331 |
| Net operating income to assets | 0.7421% | 3,591 |
| Return on assets (ROA) | 0.7421% | 3,745 |
| Pretax return on assets | 1.1990% | 2,785 |
| Return on Equity (ROE) | 6.9661% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.0555% | 3,324 |
| Net charge-offs to loans | -0.2336% | 5,837 |
| Credit loss provision to net charge-offs | -25.6410% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1529% | 3,312 |
| Assets per employee ($millions) | 4.6855% | 2,741 |
| Cash dividends to net income (ytd only)* | 41.7827% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 1,570 |
| Loan loss allowance to noncurrent loans | 267.5063% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 3,542 |
| Noncurrent loans to loans | 0.5924% | 3,292 |
| Net loans and leases to total assets | 67.0288% | 2,934 |
| Net loans and leases to deposits | 76.7002% | 3,305 |
| Net loans and leases to core deposits | 77.3797% | 3,704 |
| Total domestic deposits to total assets | 87.3906% | 1,717 |
| Equity capital to assets | 10.6479% | 3,473 |
| Core capital (leverage) ratio | 10.3523% | 3,126 |
| Tier 1 risk-based capital ratio | 14.9207% | 3,107 |
| Total risk-based capital ratio | 16.1750% | 3,053 |
| Memoranda: | ||
| Average total assets | $96,747,000 | 4,483 |
| Average earning assets | $91,692,330 | 4,429 |
| Average equity | $10,307,000 | 4,598 |
| Average total loans | $66,789,330 | 4,176 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 3,179 |
| Cost of funding earning assets | 0.3301% | 3,846 |
| Net interest margin | 3.6835% | 2,743 |
| Noninterest income to average assets | 0.2460% | 4,977 |
| Noninterest expense to average assets | 2.7397% | 3,275 |
| Loan and lease loss provision to assets | 0.0834% | 2,288 |
| Net operating income to assets | 0.5713% | 4,308 |
| Return on assets (ROA) | 0.5713% | 4,424 |
| Pretax return on assets | 0.9132% | 3,789 |
| Return on Equity (ROE) | 5.3623% | 4,310 |
| Retained earnings to average equity (ytd only) | -0.5088% | 5,200 |
| Net charge-offs to loans | -0.0120% | 4,607 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3259% | 2,586 |
| Assets per employee ($millions) | 4.4389% | 3,185 |
| Cash dividends to net income (ytd only)* | 109.4891% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 2,092 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 3,526 |
| Noncurrent loans to loans | 0.6072% | 3,354 |
| Net loans and leases to total assets | 67.4579% | 2,737 |
| Net loans and leases to deposits | 78.4201% | 2,962 |
| Net loans and leases to core deposits | 78.8925% | 3,416 |
| Total domestic deposits to total assets | 86.0212% | 2,662 |
| Equity capital to assets | 10.4757% | 3,529 |
| Core capital (leverage) ratio | 10.5161% | 2,943 |
| Tier 1 risk-based capital ratio | 14.8787% | 3,211 |
| Total risk-based capital ratio | 16.1318% | 3,148 |
| Memoranda: | ||
| Average total assets | $95,921,500 | 4,535 |
| Average earning assets | $90,892,500 | 4,483 |
| Average equity | $10,219,500 | 4,628 |
| Average total loans | $66,676,500 | 4,199 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 4,100 |
| Cost of funding earning assets | 0.3276% | 3,937 |
| Net interest margin | 3.4534% | 3,706 |
| Noninterest income to average assets | 0.2791% | 4,885 |
| Noninterest expense to average assets | 2.5771% | 4,003 |
| Loan and lease loss provision to assets | 0.1070% | 2,204 |
| Net operating income to assets | 0.5500% | 4,495 |
| Return on assets (ROA) | 0.5500% | 4,593 |
| Pretax return on assets | 0.8699% | 3,955 |
| Return on Equity (ROE) | 5.4298% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.4298% | 2,114 |
| Net charge-offs to loans | -0.0289% | 5,385 |
| Credit loss provision to net charge-offs | -583.3333% | 5,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5136% | 2,827 |
| Assets per employee ($millions) | 4.4851% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 2,210 |
| Loan loss allowance to noncurrent loans | 168.2373% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7145% | 2,912 |
| Noncurrent loans to loans | 0.8618% | 2,628 |
| Net loans and leases to total assets | 69.5704% | 2,436 |
| Net loans and leases to deposits | 79.3488% | 2,903 |
| Net loans and leases to core deposits | 79.8350% | 3,368 |
| Total domestic deposits to total assets | 87.6768% | 1,805 |
| Equity capital to assets | 10.8390% | 2,988 |
| Core capital (leverage) ratio | 10.5317% | 2,896 |
| Tier 1 risk-based capital ratio | 15.2660% | 3,050 |
| Total risk-based capital ratio | 16.5189% | 2,985 |
| Memoranda: | ||
| Average total assets | $98,173,800 | 4,495 |
| Average earning assets | $93,096,400 | 4,448 |
| Average equity | $9,945,200 | 4,667 |
| Average total loans | $62,333,200 | 4,311 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 4,406 |
| Cost of funding earning assets | 0.3244% | 4,054 |
| Net interest margin | 3.3796% | 4,034 |
| Noninterest income to average assets | 0.2770% | 4,962 |
| Noninterest expense to average assets | 2.5612% | 4,012 |
| Loan and lease loss provision to assets | 0.0941% | 2,285 |
| Net operating income to assets | 0.5095% | 4,752 |
| Return on assets (ROA) | 0.5095% | 4,844 |
| Pretax return on assets | 0.8295% | 4,245 |
| Return on Equity (ROE) | 5.1150% | 4,575 |
| Retained earnings to average equity (ytd only) | 5.1150% | 2,835 |
| Net charge-offs to loans | -0.0065% | 4,880 |
| Credit loss provision to net charge-offs | -2,333.3333% | 5,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4954% | 2,640 |
| Assets per employee ($millions) | 4.5464% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,413 |
| Loan loss allowance to noncurrent loans | 134.8083% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8432% | 2,769 |
| Noncurrent loans to loans | 1.0678% | 2,347 |
| Net loans and leases to total assets | 65.5501% | 3,081 |
| Net loans and leases to deposits | 74.9374% | 3,427 |
| Net loans and leases to core deposits | 75.3906% | 3,866 |
| Total domestic deposits to total assets | 87.4732% | 1,813 |
| Equity capital to assets | 10.5693% | 3,523 |
| Core capital (leverage) ratio | 10.2122% | 3,361 |
| Tier 1 risk-based capital ratio | 15.2261% | 3,179 |
| Total risk-based capital ratio | 16.4792% | 3,113 |
| Memoranda: | ||
| Average total assets | $99,170,250 | 4,528 |
| Average earning assets | $94,129,750 | 4,483 |
| Average equity | $9,879,250 | 4,732 |
| Average total loans | $61,293,750 | 4,389 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 4,587 |
| Cost of funding earning assets | 0.3174% | 4,195 |
| Net interest margin | 3.3290% | 4,176 |
| Noninterest income to average assets | 0.2769% | 4,963 |
| Noninterest expense to average assets | 2.6075% | 3,879 |
| Loan and lease loss provision to assets | 0.0598% | 2,906 |
| Net operating income to assets | 0.4920% | 4,809 |
| Return on assets (ROA) | 0.4920% | 4,908 |
| Pretax return on assets | 0.7848% | 4,369 |
| Return on Equity (ROE) | 5.0364% | 4,598 |
| Retained earnings to average equity (ytd only) | 5.0364% | 2,839 |
| Net charge-offs to loans | -0.0330% | 5,366 |
| Credit loss provision to net charge-offs | -300.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5338% | 2,445 |
| Assets per employee ($millions) | 4.5763% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 2,675 |
| Loan loss allowance to noncurrent loans | 266.1631% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 4,009 |
| Noncurrent loans to loans | 0.5325% | 3,860 |
| Net loans and leases to total assets | 63.7597% | 3,293 |
| Net loans and leases to deposits | 73.0473% | 3,613 |
| Net loans and leases to core deposits | 73.4862% | 4,001 |
| Total domestic deposits to total assets | 87.2855% | 2,019 |
| Equity capital to assets | 10.3389% | 3,634 |
| Core capital (leverage) ratio | 9.9696% | 3,652 |
| Tier 1 risk-based capital ratio | 15.7100% | 2,994 |
| Total risk-based capital ratio | 16.9628% | 2,947 |
| Memoranda: | ||
| Average total assets | $100,402,000 | 4,546 |
| Average earning assets | $95,763,670 | 4,477 |
| Average equity | $9,808,670 | 4,784 |
| Average total loans | $60,559,000 | 4,443 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 4,959 |
| Cost of funding earning assets | 0.3094% | 4,333 |
| Net interest margin | 3.1918% | 4,638 |
| Noninterest income to average assets | 0.2730% | 4,996 |
| Noninterest expense to average assets | 2.4729% | 4,357 |
| Loan and lease loss provision to assets | 0.0585% | 2,763 |
| Net operating income to assets | 0.4915% | 4,727 |
| Return on assets (ROA) | 0.4915% | 4,843 |
| Pretax return on assets | 0.7996% | 4,242 |
| Return on Equity (ROE) | 5.1719% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.1719% | 2,962 |
| Net charge-offs to loans | -0.0402% | 5,409 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2389% | 2,781 |
| Assets per employee ($millions) | 5.3834% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 2,591 |
| Loan loss allowance to noncurrent loans | 224.4792% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 4,115 |
| Noncurrent loans to loans | 0.6528% | 3,643 |
| Net loans and leases to total assets | 53.8336% | 4,465 |
| Net loans and leases to deposits | 60.7806% | 4,684 |
| Net loans and leases to core deposits | 60.7806% | 4,934 |
| Total domestic deposits to total assets | 88.5703% | 1,512 |
| Equity capital to assets | 9.1356% | 5,152 |
| Core capital (leverage) ratio | 10.2621% | 3,266 |
| Tier 1 risk-based capital ratio | 16.2483% | 2,802 |
| Total risk-based capital ratio | 17.4983% | 2,747 |
| Memoranda: | ||
| Average total assets | $102,551,500 | 4,542 |
| Average earning assets | $98,252,000 | 4,447 |
| Average equity | $9,745,000 | 4,841 |
| Average total loans | $59,760,500 | 4,498 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 4,075 |
| Cost of funding earning assets | 0.3768% | 3,947 |
| Net interest margin | 3.5374% | 3,653 |
| Noninterest income to average assets | 0.3272% | 4,775 |
| Noninterest expense to average assets | 2.6803% | 3,938 |
| Loan and lease loss provision to assets | 0.1055% | 2,393 |
| Net operating income to assets | 0.5651% | 4,530 |
| Return on assets (ROA) | 0.5651% | 4,620 |
| Pretax return on assets | 0.8557% | 4,047 |
| Return on Equity (ROE) | 5.5494% | 4,384 |
| Retained earnings to average equity (ytd only) | 4.4924% | 2,978 |
| Net charge-offs to loans | 0.0929% | 3,166 |
| Credit loss provision to net charge-offs | 181.4815% | 1,338 |
| Earnings coverage of net charge-offs (x) | 16.5370% | 2,004 |
| Efficiency ratio | 73.6033% | 2,904 |
| Assets per employee ($millions) | 5.1282% | 2,156 |
| Cash dividends to net income (ytd only)* | 19.0476% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 3,017 |
| Loan loss allowance to noncurrent loans | 154.8803% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 3,583 |
| Noncurrent loans to loans | 0.8946% | 3,079 |
| Net loans and leases to total assets | 61.4321% | 3,584 |
| Net loans and leases to deposits | 69.6255% | 3,962 |
| Net loans and leases to core deposits | 69.8293% | 4,343 |
| Total domestic deposits to total assets | 88.2323% | 1,644 |
| Equity capital to assets | 9.9080% | 4,223 |
| Core capital (leverage) ratio | 9.8003% | 3,834 |
| Tier 1 risk-based capital ratio | 16.0116% | 2,958 |
| Total risk-based capital ratio | 17.2648% | 2,898 |
| Memoranda: | ||
| Average total assets | $92,901,400 | 4,773 |
| Average earning assets | $87,040,200 | 4,717 |
| Average equity | $9,460,400 | 4,872 |
| Average total loans | $58,120,400 | 4,544 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 3,904 |
| Cost of funding earning assets | 0.3846% | 3,963 |
| Net interest margin | 3.5810% | 3,502 |
| Noninterest income to average assets | 0.3429% | 4,697 |
| Noninterest expense to average assets | 2.6806% | 3,896 |
| Loan and lease loss provision to assets | 0.1206% | 2,063 |
| Net operating income to assets | 0.5477% | 4,681 |
| Return on assets (ROA) | 0.5477% | 4,761 |
| Pretax return on assets | 0.8834% | 4,064 |
| Return on Equity (ROE) | 5.3405% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.3405% | 2,860 |
| Net charge-offs to loans | 0.1392% | 2,404 |
| Credit loss provision to net charge-offs | 138.3333% | 1,696 |
| Earnings coverage of net charge-offs (x) | 11.5164% | 2,422 |
| Efficiency ratio | 72.7524% | 3,052 |
| Assets per employee ($millions) | 4.6131% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 3,227 |
| Loan loss allowance to noncurrent loans | 154.7170% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 3,325 |
| Noncurrent loans to loans | 0.8986% | 3,319 |
| Net loans and leases to total assets | 63.0411% | 3,336 |
| Net loans and leases to deposits | 72.6166% | 3,611 |
| Net loans and leases to core deposits | 72.6166% | 4,093 |
| Total domestic deposits to total assets | 86.8136% | 2,413 |
| Equity capital to assets | 10.4106% | 3,668 |
| Core capital (leverage) ratio | 10.3327% | 3,243 |
| Tier 1 risk-based capital ratio | 16.2546% | 2,929 |
| Total risk-based capital ratio | 17.5078% | 2,880 |
| Memoranda: | ||
| Average total assets | $91,767,750 | 4,849 |
| Average earning assets | $85,635,500 | 4,797 |
| Average equity | $9,412,000 | 4,918 |
| Average total loans | $57,476,000 | 4,613 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 4,135 |
| Cost of funding earning assets | 0.3940% | 3,933 |
| Net interest margin | 3.5061% | 3,765 |
| Noninterest income to average assets | 0.3428% | 4,679 |
| Noninterest expense to average assets | 2.7008% | 3,863 |
| Loan and lease loss provision to assets | 0.1048% | 2,272 |
| Net operating income to assets | 0.4978% | 4,820 |
| Return on assets (ROA) | 0.4978% | 4,900 |
| Pretax return on assets | 0.8013% | 4,260 |
| Return on Equity (ROE) | 4.8782% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.8782% | 3,032 |
| Net charge-offs to loans | 0.1861% | 1,914 |
| Credit loss provision to net charge-offs | 90.5660% | 2,170 |
| Earnings coverage of net charge-offs (x) | 7.8302% | 2,571 |
| Efficiency ratio | 74.8789% | 2,825 |
| Assets per employee ($millions) | 4.6700% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 3,630 |
| Loan loss allowance to noncurrent loans | 109.2414% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 3,180 |
| Noncurrent loans to loans | 1.2284% | 2,777 |
| Net loans and leases to total assets | 62.3411% | 3,349 |
| Net loans and leases to deposits | 72.5052% | 3,502 |
| Net loans and leases to core deposits | 72.5052% | 3,998 |
| Total domestic deposits to total assets | 85.9816% | 3,047 |
| Equity capital to assets | 10.1479% | 3,900 |
| Core capital (leverage) ratio | 10.4479% | 3,014 |
| Tier 1 risk-based capital ratio | 16.6274% | 2,773 |
| Total risk-based capital ratio | 17.8801% | 2,735 |
| Memoranda: | ||
| Average total assets | $91,603,000 | 4,886 |
| Average earning assets | $85,280,000 | 4,842 |
| Average equity | $9,347,670 | 4,953 |
| Average total loans | $56,973,670 | 4,655 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8887% | 4,128 |
| Cost of funding earning assets | 0.4021% | 3,943 |
| Net interest margin | 3.4866% | 3,755 |
| Noninterest income to average assets | 0.2955% | 5,002 |
| Noninterest expense to average assets | 2.6900% | 3,967 |
| Loan and lease loss provision to assets | 0.0441% | 3,216 |
| Net operating income to assets | 0.5071% | 4,657 |
| Return on assets (ROA) | 0.5071% | 4,739 |
| Pretax return on assets | 0.8114% | 4,067 |
| Return on Equity (ROE) | 4.9556% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.9556% | 3,137 |
| Net charge-offs to loans | 0.4003% | 909 |
| Credit loss provision to net charge-offs | 17.8571% | 2,527 |
| Earnings coverage of net charge-offs (x) | 3.4643% | 2,681 |
| Efficiency ratio | 75.8706% | 2,826 |
| Assets per employee ($millions) | 4.6678% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 4,011 |
| Loan loss allowance to noncurrent loans | 95.6688% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.1483% | 2,962 |
| Noncurrent loans to loans | 1.3798% | 2,721 |
| Net loans and leases to total assets | 60.1371% | 3,542 |
| Net loans and leases to deposits | 67.5202% | 3,913 |
| Net loans and leases to core deposits | 68.5332% | 4,255 |
| Total domestic deposits to total assets | 89.0654% | 1,614 |
| Equity capital to assets | 10.0102% | 3,829 |
| Core capital (leverage) ratio | 10.4928% | 2,946 |
| Tier 1 risk-based capital ratio | 16.4427% | 2,927 |
| Total risk-based capital ratio | 17.6949% | 2,896 |
| Memoranda: | ||
| Average total assets | $90,705,000 | 4,952 |
| Average earning assets | $84,553,000 | 4,900 |
| Average equity | $9,282,500 | 4,979 |
| Average total loans | $55,951,500 | 4,726 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 4,625 |
| Cost of funding earning assets | 0.4958% | 3,656 |
| Net interest margin | 3.3577% | 4,447 |
| Noninterest income to average assets | 0.2795% | 5,359 |
| Noninterest expense to average assets | 2.7449% | 3,931 |
| Loan and lease loss provision to assets | 0.0656% | 3,815 |
| Net operating income to assets | 0.3892% | 5,182 |
| Return on assets (ROA) | 0.3892% | 5,291 |
| Pretax return on assets | 0.5725% | 4,961 |
| Return on Equity (ROE) | 3.7595% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.3333% | 3,864 |
| Net charge-offs to loans | 0.3415% | 1,972 |
| Credit loss provision to net charge-offs | 32.5843% | 4,194 |
| Earnings coverage of net charge-offs (x) | 3.1685% | 3,938 |
| Efficiency ratio | 81.1371% | 2,003 |
| Assets per employee ($millions) | 4.4028% | 3,080 |
| Cash dividends to net income (ytd only)* | 11.3372% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 3,420 |
| Loan loss allowance to noncurrent loans | 80.0201% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.2441% | 1,584 |
| Noncurrent loans to loans | 1.8105% | 2,222 |
| Net loans and leases to total assets | 61.5683% | 3,431 |
| Net loans and leases to deposits | 69.5060% | 3,840 |
| Net loans and leases to core deposits | 69.5060% | 4,340 |
| Total domestic deposits to total assets | 88.5799% | 1,868 |
| Equity capital to assets | 10.4707% | 3,200 |
| Core capital (leverage) ratio | 10.3890% | 3,033 |
| Tier 1 risk-based capital ratio | 16.7002% | 2,760 |
| Total risk-based capital ratio | 17.9533% | 2,710 |
| Memoranda: | ||
| Average total assets | $88,381,000 | 5,015 |
| Average earning assets | $81,691,800 | 4,996 |
| Average equity | $9,150,200 | 5,051 |
| Average total loans | $52,129,600 | 4,884 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 4,725 |
| Cost of funding earning assets | 0.5131% | 3,639 |
| Net interest margin | 3.3203% | 4,571 |
| Noninterest income to average assets | 0.3210% | 5,120 |
| Noninterest expense to average assets | 2.6768% | 4,107 |
| Loan and lease loss provision to assets | 0.0377% | 4,255 |
| Net operating income to assets | 0.4386% | 5,075 |
| Return on assets (ROA) | 0.4386% | 5,221 |
| Pretax return on assets | 0.6692% | 4,794 |
| Return on Equity (ROE) | 4.2483% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.6790% | 4,083 |
| Net charge-offs to loans | 0.4902% | 1,311 |
| Credit loss provision to net charge-offs | 13.2275% | 4,181 |
| Earnings coverage of net charge-offs (x) | 2.4815% | 4,007 |
| Efficiency ratio | 79.1091% | 2,245 |
| Assets per employee ($millions) | 4.2599% | 3,308 |
| Cash dividends to net income (ytd only)* | 13.4024% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 3,417 |
| Loan loss allowance to noncurrent loans | 72.9651% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.3084% | 1,709 |
| Noncurrent loans to loans | 2.0691% | 2,170 |
| Net loans and leases to total assets | 54.9135% | 4,473 |
| Net loans and leases to deposits | 61.5126% | 4,815 |
| Net loans and leases to core deposits | 61.5126% | 5,168 |
| Total domestic deposits to total assets | 89.2719% | 1,424 |
| Equity capital to assets | 10.2709% | 3,545 |
| Core capital (leverage) ratio | 10.3293% | 3,200 |
| Tier 1 risk-based capital ratio | 17.8824% | 2,362 |
| Total risk-based capital ratio | 19.1364% | 2,327 |
| Memoranda: | ||
| Average total assets | $88,462,500 | 5,062 |
| Average earning assets | $81,597,750 | 5,037 |
| Average equity | $9,132,750 | 5,106 |
| Average total loans | $51,409,250 | 4,955 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 4,726 |
| Cost of funding earning assets | 0.5282% | 3,627 |
| Net interest margin | 3.3039% | 4,566 |
| Noninterest income to average assets | 0.3064% | 5,258 |
| Noninterest expense to average assets | 2.6324% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4629% | 4,960 |
| Return on assets (ROA) | 0.4629% | 5,131 |
| Pretax return on assets | 0.7398% | 4,538 |
| Return on Equity (ROE) | 4.4765% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.6207% | 4,011 |
| Net charge-offs to loans | 0.0539% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 23.2857% | 1,335 |
| Efficiency ratio | 78.0619% | 2,442 |
| Assets per employee ($millions) | 3.9815% | 3,843 |
| Cash dividends to net income (ytd only)* | 19.1176% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 2,790 |
| Loan loss allowance to noncurrent loans | 73.4744% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.7741% | 2,453 |
| Noncurrent loans to loans | 2.3081% | 2,048 |
| Net loans and leases to total assets | 59.7575% | 3,701 |
| Net loans and leases to deposits | 66.9969% | 4,149 |
| Net loans and leases to core deposits | 66.9969% | 4,594 |
| Total domestic deposits to total assets | 89.1945% | 1,509 |
| Equity capital to assets | 10.3877% | 3,445 |
| Core capital (leverage) ratio | 10.4527% | 2,939 |
| Tier 1 risk-based capital ratio | 17.6593% | 2,459 |
| Total risk-based capital ratio | 18.9173% | 2,417 |
| Memoranda: | ||
| Average total assets | $88,131,000 | 5,101 |
| Average earning assets | $81,781,330 | 5,057 |
| Average equity | $9,114,330 | 5,147 |
| Average total loans | $51,920,000 | 4,952 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 4,729 |
| Cost of funding earning assets | 0.5447% | 3,624 |
| Net interest margin | 3.2828% | 4,582 |
| Noninterest income to average assets | 0.3258% | 5,097 |
| Noninterest expense to average assets | 2.6833% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4163% | 5,061 |
| Return on assets (ROA) | 0.4163% | 5,212 |
| Pretax return on assets | 0.6697% | 4,705 |
| Return on Equity (ROE) | 4.0342% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.0342% | 3,809 |
| Net charge-offs to loans | -0.0234% | 5,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0270% | 2,329 |
| Assets per employee ($millions) | 4.0232% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8039% | 2,606 |
| Loan loss allowance to noncurrent loans | 74.4939% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.7682% | 2,641 |
| Noncurrent loans to loans | 2.4215% | 2,134 |
| Net loans and leases to total assets | 56.5823% | 3,996 |
| Net loans and leases to deposits | 63.4563% | 4,373 |
| Net loans and leases to core deposits | 63.4563% | 4,796 |
| Total domestic deposits to total assets | 89.1673% | 1,590 |
| Equity capital to assets | 10.3502% | 3,735 |
| Core capital (leverage) ratio | 10.3884% | 2,916 |
| Tier 1 risk-based capital ratio | 18.2155% | 2,285 |
| Total risk-based capital ratio | 19.4751% | 2,245 |
| Memoranda: | ||
| Average total assets | $88,399,500 | 5,142 |
| Average earning assets | $81,516,000 | 5,102 |
| Average equity | $9,122,000 | 5,201 |
| Average total loans | $51,256,500 | 5,015 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 4,563 |
| Cost of funding earning assets | 0.6932% | 3,548 |
| Net interest margin | 3.5150% | 4,437 |
| Noninterest income to average assets | 0.2300% | 5,804 |
| Noninterest expense to average assets | 2.6835% | 4,459 |
| Loan and lease loss provision to assets | 0.1952% | 3,195 |
| Net operating income to assets | 0.4072% | 5,071 |
| Return on assets (ROA) | 0.4136% | 5,297 |
| Pretax return on assets | 0.6064% | 4,975 |
| Return on Equity (ROE) | 3.9467% | 5,168 |
| Retained earnings to average equity (ytd only) | 1.7295% | 4,995 |
| Net charge-offs to loans | 0.4839% | 2,302 |
| Credit loss provision to net charge-offs | 66.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | 2.7063% | 4,077 |
| Efficiency ratio | 77.2059% | 2,563 |
| Assets per employee ($millions) | 4.0131% | 3,918 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 2,654 |
| Loan loss allowance to noncurrent loans | 73.0677% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.7998% | 2,713 |
| Noncurrent loans to loans | 2.4363% | 2,177 |
| Net loans and leases to total assets | 57.3061% | 4,084 |
| Net loans and leases to deposits | 64.1735% | 4,511 |
| Net loans and leases to core deposits | 64.1735% | 4,935 |
| Total domestic deposits to total assets | 89.2988% | 1,374 |
| Equity capital to assets | 10.2878% | 3,773 |
| Core capital (leverage) ratio | 10.7678% | 2,473 |
| Tier 1 risk-based capital ratio | 17.9348% | 2,282 |
| Total risk-based capital ratio | 19.1939% | 2,247 |
| Memoranda: | ||
| Average total assets | $86,080,400 | 5,189 |
| Average earning assets | $79,488,200 | 5,141 |
| Average equity | $9,020,200 | 5,219 |
| Average total loans | $52,076,000 | 5,012 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 4,587 |
| Cost of funding earning assets | 0.7380% | 3,454 |
| Net interest margin | 3.5294% | 4,532 |
| Noninterest income to average assets | 0.2588% | 5,712 |
| Noninterest expense to average assets | 2.6673% | 4,510 |
| Loan and lease loss provision to assets | 0.2214% | 2,850 |
| Net operating income to assets | 0.4020% | 5,240 |
| Return on assets (ROA) | 0.4100% | 5,439 |
| Pretax return on assets | 0.6407% | 5,050 |
| Return on Equity (ROE) | 3.8943% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.4136% | 5,127 |
| Net charge-offs to loans | 0.5898% | 1,858 |
| Credit loss provision to net charge-offs | 61.4719% | 4,119 |
| Earnings coverage of net charge-offs (x) | 2.3593% | 4,098 |
| Efficiency ratio | 75.8422% | 2,701 |
| Assets per employee ($millions) | 3.7786% | 4,353 |
| Cash dividends to net income (ytd only)* | 38.0226% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 2,879 |
| Loan loss allowance to noncurrent loans | 107.9290% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.4917% | 3,357 |
| Noncurrent loans to loans | 1.6436% | 3,329 |
| Net loans and leases to total assets | 60.7502% | 3,622 |
| Net loans and leases to deposits | 68.6229% | 4,080 |
| Net loans and leases to core deposits | 68.8606% | 4,632 |
| Total domestic deposits to total assets | 88.5275% | 1,708 |
| Equity capital to assets | 10.9577% | 3,320 |
| Core capital (leverage) ratio | 10.6950% | 2,708 |
| Tier 1 risk-based capital ratio | 17.6760% | 2,469 |
| Total risk-based capital ratio | 18.9337% | 2,439 |
| Memoranda: | ||
| Average total assets | $85,528,250 | 5,259 |
| Average earning assets | $78,955,000 | 5,206 |
| Average equity | $9,004,500 | 5,269 |
| Average total loans | $52,217,000 | 5,065 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 4,592 |
| Cost of funding earning assets | 0.7854% | 3,318 |
| Net interest margin | 3.5093% | 4,627 |
| Noninterest income to average assets | 0.2826% | 5,552 |
| Noninterest expense to average assets | 2.6388% | 4,653 |
| Loan and lease loss provision to assets | 0.1668% | 3,437 |
| Net operating income to assets | 0.4353% | 5,093 |
| Return on assets (ROA) | 0.4471% | 5,281 |
| Pretax return on assets | 0.7251% | 4,755 |
| Return on Equity (ROE) | 4.3034% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.0737% | 5,165 |
| Net charge-offs to loans | 0.2820% | 2,909 |
| Credit loss provision to net charge-offs | 97.2973% | 2,849 |
| Earnings coverage of net charge-offs (x) | 5.0946% | 2,908 |
| Efficiency ratio | 75.1319% | 2,875 |
| Assets per employee ($millions) | 3.8793% | 4,126 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 2,362 |
| Loan loss allowance to noncurrent loans | 98.0373% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.6275% | 3,285 |
| Noncurrent loans to loans | 1.9932% | 2,954 |
| Net loans and leases to total assets | 58.7329% | 4,033 |
| Net loans and leases to deposits | 66.0966% | 4,500 |
| Net loans and leases to core deposits | 66.3169% | 4,961 |
| Total domestic deposits to total assets | 88.8592% | 1,599 |
| Equity capital to assets | 10.5784% | 3,593 |
| Core capital (leverage) ratio | 10.4437% | 2,862 |
| Tier 1 risk-based capital ratio | 17.6737% | 2,403 |
| Total risk-based capital ratio | 18.9353% | 2,371 |
| Memoranda: | ||
| Average total assets | $86,328,000 | 5,267 |
| Average earning assets | $79,446,000 | 5,226 |
| Average equity | $8,969,670 | 5,275 |
| Average total loans | $52,485,000 | 5,086 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 5,019 |
| Cost of funding earning assets | 0.8207% | 3,305 |
| Net interest margin | 3.4029% | 5,110 |
| Noninterest income to average assets | 0.2580% | 5,800 |
| Noninterest expense to average assets | 2.5985% | 4,818 |
| Loan and lease loss provision to assets | 0.0968% | 4,138 |
| Net operating income to assets | 0.4285% | 5,129 |
| Return on assets (ROA) | 0.4285% | 5,318 |
| Pretax return on assets | 0.6957% | 4,807 |
| Return on Equity (ROE) | 4.1608% | 5,220 |
| Retained earnings to average equity (ytd only) | -0.3132% | 6,047 |
| Net charge-offs to loans | 0.4815% | 1,887 |
| Credit loss provision to net charge-offs | 32.8125% | 3,574 |
| Earnings coverage of net charge-offs (x) | 2.6875% | 3,111 |
| Efficiency ratio | 76.6304% | 2,693 |
| Assets per employee ($millions) | 3.8249% | 4,370 |
| Cash dividends to net income (ytd only)* | 107.5269% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 3,069 |
| Loan loss allowance to noncurrent loans | 96.4753% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.5800% | 3,488 |
| Noncurrent loans to loans | 1.8417% | 3,356 |
| Net loans and leases to total assets | 60.1998% | 3,623 |
| Net loans and leases to deposits | 67.4457% | 4,153 |
| Net loans and leases to core deposits | 67.8866% | 4,691 |
| Total domestic deposits to total assets | 89.2568% | 1,515 |
| Equity capital to assets | 10.1612% | 3,899 |
| Core capital (leverage) ratio | 10.2330% | 3,071 |
| Tier 1 risk-based capital ratio | 16.8583% | 2,734 |
| Total risk-based capital ratio | 18.1179% | 2,686 |
| Memoranda: | ||
| Average total assets | $86,820,000 | 5,295 |
| Average earning assets | $79,931,000 | 5,247 |
| Average equity | $8,940,500 | 5,300 |
| Average total loans | $53,165,500 | 5,097 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 3,474 |
| Cost of funding earning assets | 1.0333% | 3,133 |
| Net interest margin | 3.8425% | 3,613 |
| Noninterest income to average assets | 0.3277% | 5,198 |
| Noninterest expense to average assets | 2.8282% | 4,244 |
| Loan and lease loss provision to assets | 0.1457% | 4,790 |
| Net operating income to assets | 0.5729% | 4,131 |
| Return on assets (ROA) | 0.5729% | 4,316 |
| Pretax return on assets | 0.8837% | 3,665 |
| Return on Equity (ROE) | 5.4593% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.4593% | 2,331 |
| Net charge-offs to loans | 0.0092% | 6,300 |
| Credit loss provision to net charge-offs | 2,400.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 169.6000% | 201 |
| Efficiency ratio | 73.3166% | 3,336 |
| Assets per employee ($millions) | 3.8940% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 2,540 |
| Loan loss allowance to noncurrent loans | 541.0811% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 5,231 |
| Noncurrent loans to loans | 0.3530% | 6,015 |
| Net loans and leases to total assets | 60.0142% | 3,989 |
| Net loans and leases to deposits | 67.4481% | 4,519 |
| Net loans and leases to core deposits | 67.6781% | 5,069 |
| Total domestic deposits to total assets | 88.9784% | 1,550 |
| Equity capital to assets | 10.4380% | 3,598 |
| Core capital (leverage) ratio | 10.5169% | 2,707 |
| Tier 1 risk-based capital ratio | 17.0176% | 2,597 |
| Total risk-based capital ratio | 18.2782% | 2,541 |
| Memoranda: | ||
| Average total assets | $82,383,400 | 5,387 |
| Average earning assets | $75,680,400 | 5,354 |
| Average equity | $8,645,800 | 5,370 |
| Average total loans | $54,358,400 | 5,100 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 3,398 |
| Cost of funding earning assets | 1.0722% | 3,166 |
| Net interest margin | 3.8645% | 3,550 |
| Noninterest income to average assets | 0.3057% | 5,411 |
| Noninterest expense to average assets | 2.8427% | 4,182 |
| Loan and lease loss provision to assets | 0.1962% | 4,060 |
| Net operating income to assets | 0.5215% | 4,451 |
| Return on assets (ROA) | 0.5215% | 4,637 |
| Pretax return on assets | 0.8255% | 4,034 |
| Return on Equity (ROE) | 4.9619% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.9619% | 3,192 |
| Net charge-offs to loans | -0.0267% | 6,954 |
| Credit loss provision to net charge-offs | -1,090.9091% | 6,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5618% | 3,268 |
| Assets per employee ($millions) | 3.9415% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 2,727 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 4,529 |
| Noncurrent loans to loans | 0.6220% | 5,645 |
| Net loans and leases to total assets | 64.6217% | 3,184 |
| Net loans and leases to deposits | 72.8958% | 3,822 |
| Net loans and leases to core deposits | 73.1540% | 4,569 |
| Total domestic deposits to total assets | 88.6494% | 1,658 |
| Equity capital to assets | 10.6559% | 3,509 |
| Core capital (leverage) ratio | 10.2363% | 3,148 |
| Tier 1 risk-based capital ratio | 15.9230% | 3,154 |
| Total risk-based capital ratio | 17.1828% | 3,107 |
| Memoranda: | ||
| Average total assets | $81,562,250 | 5,455 |
| Average earning assets | $75,108,500 | 5,416 |
| Average equity | $8,571,750 | 5,419 |
| Average total loans | $54,844,500 | 5,126 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 3,516 |
| Cost of funding earning assets | 1.0933% | 3,294 |
| Net interest margin | 3.8306% | 3,644 |
| Noninterest income to average assets | 0.3031% | 5,470 |
| Noninterest expense to average assets | 2.8167% | 4,356 |
| Loan and lease loss provision to assets | 0.2243% | 3,671 |
| Net operating income to assets | 0.5027% | 4,489 |
| Return on assets (ROA) | 0.5027% | 4,630 |
| Pretax return on assets | 0.7935% | 4,057 |
| Return on Equity (ROE) | 4.8062% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.8062% | 3,116 |
| Net charge-offs to loans | -0.1237% | 7,208 |
| Credit loss provision to net charge-offs | -267.6471% | 6,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4576% | 3,470 |
| Assets per employee ($millions) | 3.6702% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 2,954 |
| Loan loss allowance to noncurrent loans | 231.8807% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 4,739 |
| Noncurrent loans to loans | 0.7810% | 5,349 |
| Net loans and leases to total assets | 67.8911% | 2,640 |
| Net loans and leases to deposits | 76.7426% | 3,331 |
| Net loans and leases to core deposits | 77.2934% | 4,151 |
| Total domestic deposits to total assets | 88.4660% | 1,873 |
| Equity capital to assets | 10.7376% | 3,246 |
| Core capital (leverage) ratio | 10.0826% | 3,162 |
| Tier 1 risk-based capital ratio | 15.1474% | 3,426 |
| Total risk-based capital ratio | 16.4067% | 3,378 |
| Memoranda: | ||
| Average total assets | $81,159,330 | 5,517 |
| Average earning assets | $74,818,000 | 5,469 |
| Average equity | $8,489,000 | 5,460 |
| Average total loans | $54,957,670 | 5,173 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 3,837 |
| Cost of funding earning assets | 1.1103% | 3,456 |
| Net interest margin | 3.7366% | 3,911 |
| Noninterest income to average assets | 0.3392% | 5,193 |
| Noninterest expense to average assets | 2.7136% | 4,781 |
| Loan and lease loss provision to assets | 0.3441% | 2,501 |
| Net operating income to assets | 0.4572% | 4,678 |
| Return on assets (ROA) | 0.4572% | 4,766 |
| Pretax return on assets | 0.7227% | 4,210 |
| Return on Equity (ROE) | 4.4294% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.4294% | 3,520 |
| Net charge-offs to loans | -0.2421% | 7,298 |
| Credit loss provision to net charge-offs | -212.1212% | 5,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7815% | 3,918 |
| Assets per employee ($millions) | 3.7387% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 3,014 |
| Loan loss allowance to noncurrent loans | 316.9872% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.9690% | 4,967 |
| Noncurrent loans to loans | 0.5678% | 5,887 |
| Net loans and leases to total assets | 65.6033% | 3,111 |
| Net loans and leases to deposits | 73.7169% | 3,803 |
| Net loans and leases to core deposits | 74.2320% | 4,515 |
| Total domestic deposits to total assets | 88.9936% | 1,777 |
| Equity capital to assets | 10.2745% | 3,437 |
| Core capital (leverage) ratio | 9.8574% | 3,326 |
| Tier 1 risk-based capital ratio | 15.0098% | 3,420 |
| Total risk-based capital ratio | 16.2677% | 3,376 |
| Memoranda: | ||
| Average total assets | $81,367,000 | 5,552 |
| Average earning assets | $74,933,500 | 5,512 |
| Average equity | $8,398,500 | 5,494 |
| Average total loans | $54,522,000 | 5,233 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 4,141 |
| Cost of funding earning assets | 1.3251% | 3,719 |
| Net interest margin | 3.7635% | 4,092 |
| Noninterest income to average assets | 0.2626% | 5,909 |
| Noninterest expense to average assets | 2.7566% | 4,757 |
| Loan and lease loss provision to assets | 0.2541% | 4,760 |
| Net operating income to assets | 0.4922% | 4,139 |
| Return on assets (ROA) | 0.4922% | 4,295 |
| Pretax return on assets | 0.7168% | 3,911 |
| Return on Equity (ROE) | 4.9157% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.9157% | 2,464 |
| Net charge-offs to loans | 1.5032% | 1,465 |
| Credit loss provision to net charge-offs | 24.7904% | 6,528 |
| Earnings coverage of net charge-offs (x) | 0.9473% | 5,162 |
| Efficiency ratio | 73.9546% | 3,407 |
| Assets per employee ($millions) | 3.6583% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 3,433 |
| Loan loss allowance to noncurrent loans | 262.1302% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 5,005 |
| Noncurrent loans to loans | 0.6248% | 5,801 |
| Net loans and leases to total assets | 66.1129% | 3,448 |
| Net loans and leases to deposits | 74.3703% | 4,134 |
| Net loans and leases to core deposits | 74.9022% | 4,861 |
| Total domestic deposits to total assets | 88.8969% | 1,718 |
| Equity capital to assets | 10.3700% | 3,307 |
| Core capital (leverage) ratio | 9.7350% | 3,387 |
| Tier 1 risk-based capital ratio | 14.5603% | 3,505 |
| Total risk-based capital ratio | 15.8168% | 3,461 |
| Memoranda: | ||
| Average total assets | $81,477,400 | 5,552 |
| Average earning assets | $75,010,800 | 5,514 |
| Average equity | $8,157,600 | 5,667 |
| Average total loans | $55,547,800 | 5,256 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1577% | 4,040 |
| Cost of funding earning assets | 1.3723% | 3,760 |
| Net interest margin | 3.7854% | 4,033 |
| Noninterest income to average assets | 0.1843% | 6,562 |
| Noninterest expense to average assets | 2.7147% | 4,816 |
| Loan and lease loss provision to assets | 0.1958% | 5,081 |
| Net operating income to assets | 0.4731% | 4,425 |
| Return on assets (ROA) | 0.4731% | 4,623 |
| Pretax return on assets | 0.7570% | 4,060 |
| Return on Equity (ROE) | 4.7674% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.7674% | 3,147 |
| Net charge-offs to loans | 0.1383% | 5,193 |
| Credit loss provision to net charge-offs | 206.8966% | 1,712 |
| Earnings coverage of net charge-offs (x) | 10.0692% | 1,921 |
| Efficiency ratio | 74.0214% | 3,325 |
| Assets per employee ($millions) | 3.9179% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8924% | 918 |
| Loan loss allowance to noncurrent loans | 267.1186% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0902% | 4,936 |
| Noncurrent loans to loans | 1.0828% | 5,071 |
| Net loans and leases to total assets | 64.3112% | 4,060 |
| Net loans and leases to deposits | 73.0183% | 4,685 |
| Net loans and leases to core deposits | 73.2772% | 5,379 |
| Total domestic deposits to total assets | 88.0754% | 1,920 |
| Equity capital to assets | 10.1270% | 3,982 |
| Core capital (leverage) ratio | 9.4711% | 3,946 |
| Tier 1 risk-based capital ratio | 14.1178% | 3,751 |
| Total risk-based capital ratio | 15.3898% | 3,702 |
| Memoranda: | ||
| Average total assets | $81,726,250 | 5,612 |
| Average earning assets | $75,199,000 | 5,567 |
| Average equity | $8,110,500 | 5,752 |
| Average total loans | $55,911,000 | 5,311 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 4,303 |
| Cost of funding earning assets | 1.4264% | 3,704 |
| Net interest margin | 3.7029% | 4,353 |
| Noninterest income to average assets | 0.1864% | 6,571 |
| Noninterest expense to average assets | 2.6661% | 5,052 |
| Loan and lease loss provision to assets | 0.1962% | 4,904 |
| Net operating income to assets | 0.4562% | 4,520 |
| Return on assets (ROA) | 0.4562% | 4,679 |
| Pretax return on assets | 0.7432% | 4,092 |
| Return on Equity (ROE) | 4.6288% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.6288% | 3,125 |
| Net charge-offs to loans | 0.1206% | 4,976 |
| Credit loss provision to net charge-offs | 235.2941% | 1,639 |
| Earnings coverage of net charge-offs (x) | 11.2647% | 1,783 |
| Efficiency ratio | 73.9456% | 3,483 |
| Assets per employee ($millions) | 3.9307% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7919% | 1,005 |
| Loan loss allowance to noncurrent loans | 227.4052% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 4,696 |
| Noncurrent loans to loans | 1.2277% | 4,912 |
| Net loans and leases to total assets | 65.8013% | 3,870 |
| Net loans and leases to deposits | 75.3015% | 4,462 |
| Net loans and leases to core deposits | 75.5687% | 5,241 |
| Total domestic deposits to total assets | 87.3837% | 2,333 |
| Equity capital to assets | 9.9087% | 4,128 |
| Core capital (leverage) ratio | 9.5076% | 3,813 |
| Tier 1 risk-based capital ratio | 13.5009% | 4,063 |
| Total risk-based capital ratio | 14.7702% | 4,016 |
| Memoranda: | ||
| Average total assets | $81,543,330 | 5,647 |
| Average earning assets | $75,292,330 | 5,596 |
| Average equity | $8,036,670 | 5,788 |
| Average total loans | $56,385,330 | 5,338 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 4,723 |
| Cost of funding earning assets | 1.5151% | 3,457 |
| Net interest margin | 3.5476% | 4,954 |
| Noninterest income to average assets | 0.2567% | 6,097 |
| Noninterest expense to average assets | 2.6208% | 5,262 |
| Loan and lease loss provision to assets | 0.2961% | 3,665 |
| Net operating income to assets | 0.3850% | 4,906 |
| Return on assets (ROA) | 0.3850% | 5,043 |
| Pretax return on assets | 0.6219% | 4,521 |
| Return on Equity (ROE) | 3.9169% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.9169% | 3,787 |
| Net charge-offs to loans | 0.1624% | 3,948 |
| Credit loss provision to net charge-offs | 260.8696% | 1,498 |
| Earnings coverage of net charge-offs (x) | 8.0870% | 1,993 |
| Efficiency ratio | 74.0586% | 3,567 |
| Assets per employee ($millions) | 3.9462% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7722% | 1,018 |
| Loan loss allowance to noncurrent loans | 130.8861% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 1.6363% | 4,031 |
| Noncurrent loans to loans | 2.1180% | 3,628 |
| Net loans and leases to total assets | 65.6414% | 3,947 |
| Net loans and leases to deposits | 75.7218% | 4,460 |
| Net loans and leases to core deposits | 75.9915% | 5,257 |
| Total domestic deposits to total assets | 86.6876% | 2,789 |
| Equity capital to assets | 9.6501% | 4,305 |
| Core capital (leverage) ratio | 9.4115% | 3,896 |
| Tier 1 risk-based capital ratio | 13.6170% | 3,917 |
| Total risk-based capital ratio | 14.8885% | 3,859 |
| Memoranda: | ||
| Average total assets | $81,043,000 | 5,737 |
| Average earning assets | $74,980,000 | 5,672 |
| Average equity | $7,965,500 | 5,858 |
| Average total loans | $56,640,500 | 5,398 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6329% | 3,425 |
| Cost of funding earning assets | 1.9342% | 3,279 |
| Net interest margin | 3.6988% | 4,147 |
| Noninterest income to average assets | 0.2472% | 6,332 |
| Noninterest expense to average assets | 2.7562% | 5,140 |
| Loan and lease loss provision to assets | 0.2093% | 5,667 |
| Net operating income to assets | 0.4722% | 3,849 |
| Return on assets (ROA) | 0.4722% | 3,958 |
| Pretax return on assets | 0.7064% | 3,548 |
| Return on Equity (ROE) | 4.6480% | 3,824 |
| Retained earnings to average equity (ytd only) | 4.6480% | 2,004 |
| Net charge-offs to loans | 0.4323% | 4,070 |
| Credit loss provision to net charge-offs | 63.4921% | 6,589 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 3,701 |
| Efficiency ratio | 75.0623% | 3,702 |
| Assets per employee ($millions) | 3.9608% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6407% | 1,078 |
| Loan loss allowance to noncurrent loans | 111.9822% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 1.9226% | 3,499 |
| Noncurrent loans to loans | 2.3582% | 3,216 |
| Net loans and leases to total assets | 70.4643% | 3,139 |
| Net loans and leases to deposits | 82.7267% | 3,498 |
| Net loans and leases to core deposits | 108.9640% | 3,003 |
| Total domestic deposits to total assets | 85.1772% | 3,467 |
| Equity capital to assets | 10.0157% | 3,738 |
| Core capital (leverage) ratio | 9.5470% | 3,665 |
| Tier 1 risk-based capital ratio | 12.9052% | 4,205 |
| Total risk-based capital ratio | 14.1728% | 4,145 |
| Memoranda: | ||
| Average total assets | $76,445,400 | 5,828 |
| Average earning assets | $70,780,400 | 5,788 |
| Average equity | $7,766,800 | 6,004 |
| Average total loans | $58,297,200 | 5,325 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7125% | 3,282 |
| Cost of funding earning assets | 2.0277% | 3,226 |
| Net interest margin | 3.6848% | 4,138 |
| Noninterest income to average assets | 0.2570% | 6,398 |
| Noninterest expense to average assets | 2.7774% | 4,991 |
| Loan and lease loss provision to assets | 0.1496% | 5,854 |
| Net operating income to assets | 0.4523% | 4,184 |
| Return on assets (ROA) | 0.4523% | 4,291 |
| Pretax return on assets | 0.7427% | 3,719 |
| Return on Equity (ROE) | 4.4357% | 4,193 |
| Retained earnings to average equity (ytd only) | 4.4357% | 2,795 |
| Net charge-offs to loans | 0.4897% | 3,267 |
| Credit loss provision to net charge-offs | 39.5349% | 6,427 |
| Earnings coverage of net charge-offs (x) | 2.3581% | 4,054 |
| Efficiency ratio | 75.6835% | 3,565 |
| Assets per employee ($millions) | 3.7092% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5603% | 1,005 |
| Loan loss allowance to noncurrent loans | 84.1415% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 2.4480% | 2,811 |
| Noncurrent loans to loans | 3.0428% | 2,491 |
| Net loans and leases to total assets | 75.6723% | 2,062 |
| Net loans and leases to deposits | 90.9689% | 2,397 |
| Net loans and leases to core deposits | 120.7330% | 2,181 |
| Total domestic deposits to total assets | 83.1848% | 4,130 |
| Equity capital to assets | 10.6049% | 3,395 |
| Core capital (leverage) ratio | 9.8187% | 3,498 |
| Tier 1 risk-based capital ratio | 12.7583% | 4,347 |
| Total risk-based capital ratio | 14.0258% | 4,278 |
| Memoranda: | ||
| Average total assets | $75,752,750 | 5,882 |
| Average earning assets | $70,160,000 | 5,840 |
| Average equity | $7,725,000 | 6,077 |
| Average total loans | $58,538,250 | 5,357 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7477% | 3,306 |
| Cost of funding earning assets | 2.0965% | 3,286 |
| Net interest margin | 3.6512% | 4,158 |
| Noninterest income to average assets | 0.2570% | 6,439 |
| Noninterest expense to average assets | 2.7322% | 5,248 |
| Loan and lease loss provision to assets | 0.1180% | 5,951 |
| Net operating income to assets | 0.4746% | 4,196 |
| Return on assets (ROA) | 0.4746% | 4,309 |
| Pretax return on assets | 0.7814% | 3,734 |
| Return on Equity (ROE) | 4.7150% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.7150% | 2,679 |
| Net charge-offs to loans | 0.7273% | 2,231 |
| Credit loss provision to net charge-offs | 21.0280% | 6,117 |
| Earnings coverage of net charge-offs (x) | 1.6028% | 4,342 |
| Efficiency ratio | 75.2347% | 3,842 |
| Assets per employee ($millions) | 3.7075% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4986% | 898 |
| Loan loss allowance to noncurrent loans | 149.4737% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.3662% | 4,229 |
| Noncurrent loans to loans | 1.6716% | 3,990 |
| Net loans and leases to total assets | 74.7293% | 2,510 |
| Net loans and leases to deposits | 92.0112% | 2,468 |
| Net loans and leases to core deposits | 123.7903% | 2,048 |
| Total domestic deposits to total assets | 81.2175% | 4,989 |
| Equity capital to assets | 10.4735% | 3,438 |
| Core capital (leverage) ratio | 9.4772% | 3,926 |
| Tier 1 risk-based capital ratio | 12.4706% | 4,542 |
| Total risk-based capital ratio | 13.7370% | 4,455 |
| Memoranda: | ||
| Average total assets | $76,276,000 | 5,911 |
| Average earning assets | $70,498,000 | 5,869 |
| Average equity | $7,677,670 | 6,124 |
| Average total loans | $58,847,330 | 5,388 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7593% | 3,485 |
| Cost of funding earning assets | 2.1611% | 3,365 |
| Net interest margin | 3.5982% | 4,325 |
| Noninterest income to average assets | 0.2586% | 6,377 |
| Noninterest expense to average assets | 2.6119% | 5,407 |
| Loan and lease loss provision to assets | 0.1396% | 5,166 |
| Net operating income to assets | 0.5017% | 4,412 |
| Return on assets (ROA) | 0.5017% | 4,601 |
| Pretax return on assets | 0.8223% | 3,998 |
| Return on Equity (ROE) | 5.0829% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.0829% | 3,073 |
| Net charge-offs to loans | 0.3475% | 2,693 |
| Credit loss provision to net charge-offs | 51.9231% | 4,649 |
| Earnings coverage of net charge-offs (x) | 3.5769% | 3,132 |
| Efficiency ratio | 73.0825% | 3,995 |
| Assets per employee ($millions) | 3.8267% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6486% | 652 |
| Loan loss allowance to noncurrent loans | 165.5026% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 1.3171% | 4,035 |
| Noncurrent loans to loans | 1.6003% | 3,877 |
| Net loans and leases to total assets | 75.1140% | 2,475 |
| Net loans and leases to deposits | 93.9652% | 2,269 |
| Net loans and leases to core deposits | 120.5709% | 2,366 |
| Total domestic deposits to total assets | 79.9381% | 5,396 |
| Equity capital to assets | 10.0375% | 3,963 |
| Core capital (leverage) ratio | 9.2814% | 4,271 |
| Tier 1 risk-based capital ratio | 11.7045% | 5,201 |
| Total risk-based capital ratio | 12.9720% | 5,113 |
| Memoranda: | ||
| Average total assets | $77,339,500 | 5,905 |
| Average earning assets | $71,258,500 | 5,871 |
| Average equity | $7,633,500 | 6,177 |
| Average total loans | $59,855,500 | 5,366 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0628% | 989 |
| Cost of funding earning assets | 2.5853% | 3,757 |
| Net interest margin | 4.4774% | 1,478 |
| Noninterest income to average assets | 0.2644% | 6,565 |
| Noninterest expense to average assets | 2.8686% | 4,541 |
| Loan and lease loss provision to assets | 1.2142% | 1,182 |
| Net operating income to assets | 0.1869% | 5,884 |
| Return on assets (ROA) | 0.1869% | 5,711 |
| Pretax return on assets | 0.2769% | 5,560 |
| Return on Equity (ROE) | 1.7955% | 5,672 |
| Retained earnings to average equity (ytd only) | 1.7955% | 4,121 |
| Net charge-offs to loans | 0.1698% | 4,503 |
| Credit loss provision to net charge-offs | 877.0000% | 503 |
| Earnings coverage of net charge-offs (x) | 10.7700% | 2,462 |
| Efficiency ratio | 65.7987% | 5,167 |
| Assets per employee ($millions) | 3.9073% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6195% | 602 |
| Loan loss allowance to noncurrent loans | 150.0472% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.3552% | 3,495 |
| Noncurrent loans to loans | 1.7458% | 3,148 |
| Net loans and leases to total assets | 75.5906% | 2,732 |
| Net loans and leases to deposits | 93.8603% | 2,792 |
| Net loans and leases to core deposits | 120.0532% | 2,685 |
| Total domestic deposits to total assets | 80.5352% | 4,827 |
| Equity capital to assets | 9.7062% | 4,418 |
| Core capital (leverage) ratio | 9.3063% | 4,286 |
| Tier 1 risk-based capital ratio | 11.1677% | 5,574 |
| Total risk-based capital ratio | 12.4352% | 5,441 |
| Memoranda: | ||
| Average total assets | $72,231,400 | 5,953 |
| Average earning assets | $66,064,600 | 5,964 |
| Average equity | $7,519,000 | 6,271 |
| Average total loans | $58,882,400 | 5,323 |