Home > American Exchange Bank > Performance and Condition Ratios
American Exchange Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0350% | 319 |
| Cost of funding earning assets | 1.5982% | 2,973 |
| Net interest margin | 5.4368% | 169 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 3.3496% | 715 |
| Loan and lease loss provision to assets | 0.1400% | 919 |
| Net operating income to assets | 1.9600% | 486 |
| Return on assets (ROA) | 1.9600% | 488 |
| Pretax return on assets | 1.9600% | 743 |
| Return on Equity (ROE) | 14.8300% | 1,105 |
| Retained earnings to average equity (ytd only) | -2.2723% | 3,936 |
| Net charge-offs to loans | 0.2451% | 471 |
| Credit loss provision to net charge-offs | 71.7391% | 1,448 |
| Earnings coverage of net charge-offs (x) | 10.6522% | 1,697 |
| Efficiency ratio | 61.4477% | 2,781 |
| Assets per employee ($millions) | 3.4287% | 4,215 |
| Cash dividends to net income (ytd only)* | 115.3173% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 2,534 |
| Loan loss allowance to noncurrent loans | 53.8655% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6572% | 343 |
| Noncurrent loans to loans | 2.1103% | 396 |
| Net loans and leases to total assets | 77.6400% | 874 |
| Net loans and leases to deposits | 90.0988% | 1,096 |
| Net loans and leases to core deposits | 94.9612% | 1,706 |
| Total domestic deposits to total assets | 86.1700% | 2,242 |
| Equity capital to assets | 12.9651% | 930 |
| Core capital (leverage) ratio | 13.5626% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $93,264,500 | 3,835 |
| Average earning assets | $84,093,500 | 3,832 |
| Average equity | $12,322,500 | 3,591 |
| Average total loans | $75,057,500 | 3,508 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8703% | 461 |
| Cost of funding earning assets | 1.4464% | 3,452 |
| Net interest margin | 5.4239% | 199 |
| Noninterest income to average assets | 0.6300% | 1,401 |
| Noninterest expense to average assets | 3.8757% | 411 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.5883% | 786 |
| Return on assets (ROA) | 1.5883% | 781 |
| Pretax return on assets | 1.5883% | 1,133 |
| Return on Equity (ROE) | 14.2000% | 1,079 |
| Retained earnings to average equity (ytd only) | 8.5760% | 926 |
| Net charge-offs to loans | 0.1018% | 1,162 |
| Credit loss provision to net charge-offs | 77.0270% | 2,147 |
| Earnings coverage of net charge-offs (x) | 20.1486% | 1,830 |
| Efficiency ratio | 70.1502% | 1,967 |
| Assets per employee ($millions) | 3.2330% | 4,260 |
| Cash dividends to net income (ytd only)* | 39.6240% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,355 |
| Loan loss allowance to noncurrent loans | 112.5648% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 829 |
| Noncurrent loans to loans | 1.0332% | 975 |
| Net loans and leases to total assets | 81.5800% | 484 |
| Net loans and leases to deposits | 95.4284% | 749 |
| Net loans and leases to core deposits | 100.2307% | 1,432 |
| Total domestic deposits to total assets | 85.4900% | 2,376 |
| Equity capital to assets | 13.4747% | 787 |
| Core capital (leverage) ratio | 14.0129% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $90,409,600 | 3,859 |
| Average earning assets | $81,510,200 | 3,859 |
| Average equity | $10,109,600 | 3,756 |
| Average total loans | $72,680,800 | 3,527 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7973% | 491 |
| Cost of funding earning assets | 1.4010% | 3,515 |
| Net interest margin | 5.3963% | 210 |
| Noninterest income to average assets | 0.6300% | 1,368 |
| Noninterest expense to average assets | 3.6777% | 474 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.7643% | 631 |
| Return on assets (ROA) | 1.7643% | 632 |
| Pretax return on assets | 1.7643% | 919 |
| Return on Equity (ROE) | 16.6300% | 737 |
| Retained earnings to average equity (ytd only) | 8.7195% | 1,186 |
| Net charge-offs to loans | 0.0720% | 1,185 |
| Credit loss provision to net charge-offs | 102.5641% | 1,636 |
| Earnings coverage of net charge-offs (x) | 31.6410% | 1,481 |
| Efficiency ratio | 66.8903% | 2,380 |
| Assets per employee ($millions) | 3.2106% | 4,286 |
| Cash dividends to net income (ytd only)* | 47.5753% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,179 |
| Loan loss allowance to noncurrent loans | 83.2240% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.1869% | 517 |
| Noncurrent loans to loans | 1.4500% | 663 |
| Net loans and leases to total assets | 80.8700% | 529 |
| Net loans and leases to deposits | 92.9893% | 958 |
| Net loans and leases to core deposits | 97.5773% | 1,656 |
| Total domestic deposits to total assets | 86.9700% | 1,607 |
| Equity capital to assets | 12.0549% | 1,264 |
| Core capital (leverage) ratio | 12.3116% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $90,380,750 | 3,875 |
| Average earning assets | $81,560,000 | 3,879 |
| Average equity | $9,587,500 | 3,815 |
| Average total loans | $72,170,500 | 3,544 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6555% | 536 |
| Cost of funding earning assets | 1.3517% | 3,543 |
| Net interest margin | 5.3038% | 230 |
| Noninterest income to average assets | 0.6300% | 1,338 |
| Noninterest expense to average assets | 3.6977% | 469 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.6589% | 727 |
| Return on assets (ROA) | 1.6589% | 726 |
| Pretax return on assets | 1.6589% | 1,040 |
| Return on Equity (ROE) | 16.3800% | 784 |
| Retained earnings to average equity (ytd only) | 3.9690% | 2,718 |
| Net charge-offs to loans | 0.0893% | 927 |
| Credit loss provision to net charge-offs | 81.2500% | 1,638 |
| Earnings coverage of net charge-offs (x) | 24.1875% | 1,522 |
| Efficiency ratio | 68.3824% | 2,288 |
| Assets per employee ($millions) | 3.3023% | 4,291 |
| Cash dividends to net income (ytd only)* | 75.7656% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 2,208 |
| Loan loss allowance to noncurrent loans | 85.8674% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.1096% | 518 |
| Noncurrent loans to loans | 1.4058% | 627 |
| Net loans and leases to total assets | 77.9800% | 905 |
| Net loans and leases to deposits | 87.6745% | 1,513 |
| Net loans and leases to core deposits | 91.3040% | 2,060 |
| Total domestic deposits to total assets | 88.9400% | 1,029 |
| Equity capital to assets | 10.0732% | 2,028 |
| Core capital (leverage) ratio | 10.7236% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $90,542,000 | 3,891 |
| Average earning assets | $81,526,333 | 3,894 |
| Average equity | $9,171,000 | 3,838 |
| Average total loans | $71,698,333 | 3,555 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6189% | 504 |
| Cost of funding earning assets | 1.3605% | 3,455 |
| Net interest margin | 5.2584% | 238 |
| Noninterest income to average assets | 0.5900% | 1,395 |
| Noninterest expense to average assets | 3.6838% | 465 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.5718% | 808 |
| Return on assets (ROA) | 1.5718% | 819 |
| Pretax return on assets | 1.5718% | 1,138 |
| Return on Equity (ROE) | 15.4700% | 917 |
| Retained earnings to average equity (ytd only) | -2.3738% | 3,955 |
| Net charge-offs to loans | 0.0225% | 1,398 |
| Credit loss provision to net charge-offs | 425.0000% | 559 |
| Earnings coverage of net charge-offs (x) | 91.7500% | 716 |
| Efficiency ratio | 69.2114% | 2,242 |
| Assets per employee ($millions) | 3.1669% | 4,342 |
| Cash dividends to net income (ytd only)* | 115.3409% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,013 |
| Loan loss allowance to noncurrent loans | 98.5777% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 572 |
| Noncurrent loans to loans | 1.2669% | 646 |
| Net loans and leases to total assets | 77.5700% | 896 |
| Net loans and leases to deposits | 87.0145% | 1,447 |
| Net loans and leases to core deposits | 90.9444% | 1,978 |
| Total domestic deposits to total assets | 89.1500% | 1,065 |
| Equity capital to assets | 9.8586% | 2,095 |
| Core capital (leverage) ratio | 10.7118% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $89,581,500 | 3,920 |
| Average earning assets | $80,557,500 | 3,922 |
| Average equity | $9,099,500 | 3,867 |
| Average total loans | $71,057,000 | 3,565 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2498% | 463 |
| Cost of funding earning assets | 1.0629% | 3,165 |
| Net interest margin | 5.1870% | 270 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 3.7352% | 448 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2112% | 1,627 |
| Return on assets (ROA) | 1.2112% | 1,592 |
| Pretax return on assets | 1.2112% | 2,112 |
| Return on Equity (ROE) | 11.7600% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.0589% | 1,882 |
| Net charge-offs to loans | -0.0437% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.3645% | 1,415 |
| Assets per employee ($millions) | 2.9108% | 4,396 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 1,935 |
| Loan loss allowance to noncurrent loans | 134.1906% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 683 |
| Noncurrent loans to loans | 0.9447% | 789 |
| Net loans and leases to total assets | 79.1100% | 750 |
| Net loans and leases to deposits | 89.4439% | 1,312 |
| Net loans and leases to core deposits | 93.7213% | 1,789 |
| Total domestic deposits to total assets | 88.4500% | 1,218 |
| Equity capital to assets | 10.4725% | 1,738 |
| Core capital (leverage) ratio | 11.0765% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $83,798,200 | 3,986 |
| Average earning assets | $73,762,000 | 3,993 |
| Average equity | $8,627,400 | 3,864 |
| Average total loans | $66,326,200 | 3,602 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0643% | 491 |
| Cost of funding earning assets | 0.9784% | 3,096 |
| Net interest margin | 5.0859% | 283 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 3.5408% | 527 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.2607% | 1,630 |
| Return on assets (ROA) | 1.2607% | 1,623 |
| Pretax return on assets | 1.2607% | 2,144 |
| Return on Equity (ROE) | 12.3000% | 2,051 |
| Retained earnings to average equity (ytd only) | 5.9307% | 2,654 |
| Net charge-offs to loans | -0.0489% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.5535% | 1,509 |
| Assets per employee ($millions) | 2.8354% | 4,424 |
| Cash dividends to net income (ytd only)* | 51.7857% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 1,874 |
| Loan loss allowance to noncurrent loans | 164.9813% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 926 |
| Noncurrent loans to loans | 0.7872% | 1,053 |
| Net loans and leases to total assets | 78.7100% | 793 |
| Net loans and leases to deposits | 88.6893% | 1,328 |
| Net loans and leases to core deposits | 93.0293% | 1,732 |
| Total domestic deposits to total assets | 88.7500% | 1,335 |
| Equity capital to assets | 10.1877% | 1,715 |
| Core capital (leverage) ratio | 11.1759% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $82,916,750 | 4,007 |
| Average earning assets | $72,905,250 | 4,019 |
| Average equity | $8,498,000 | 3,883 |
| Average total loans | $65,415,500 | 3,626 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8867% | 512 |
| Cost of funding earning assets | 0.8334% | 3,119 |
| Net interest margin | 5.0533% | 292 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.5547% | 504 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1557% | 1,957 |
| Return on assets (ROA) | 1.1557% | 1,949 |
| Pretax return on assets | 1.1557% | 2,489 |
| Return on Equity (ROE) | 11.2500% | 2,363 |
| Retained earnings to average equity (ytd only) | 1.6347% | 3,794 |
| Net charge-offs to loans | -0.0557% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.7879% | 1,368 |
| Assets per employee ($millions) | 2.8999% | 4,446 |
| Cash dividends to net income (ytd only)* | 85.4737% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 1,858 |
| Loan loss allowance to noncurrent loans | 153.9823% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 785 |
| Noncurrent loans to loans | 0.8548% | 892 |
| Net loans and leases to total assets | 77.5700% | 881 |
| Net loans and leases to deposits | 87.3226% | 1,398 |
| Net loans and leases to core deposits | 91.6435% | 1,706 |
| Total domestic deposits to total assets | 88.8300% | 1,308 |
| Equity capital to assets | 10.1289% | 1,783 |
| Core capital (leverage) ratio | 11.1546% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $82,201,333 | 4,025 |
| Average earning assets | $72,230,333 | 4,050 |
| Average equity | $8,442,000 | 3,910 |
| Average total loans | $64,608,333 | 3,643 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6764% | 468 |
| Cost of funding earning assets | 0.6425% | 3,251 |
| Net interest margin | 5.0339% | 286 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 3.5346% | 516 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.1766% | 2,003 |
| Return on assets (ROA) | 1.1766% | 1,962 |
| Pretax return on assets | 1.1766% | 2,489 |
| Return on Equity (ROE) | 11.3800% | 2,380 |
| Retained earnings to average equity (ytd only) | -4.0933% | 4,296 |
| Net charge-offs to loans | -0.0689% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7457% | 1,468 |
| Assets per employee ($millions) | 3.0318% | 4,498 |
| Cash dividends to net income (ytd only)* | 135.9833% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 1,942 |
| Loan loss allowance to noncurrent loans | 130.2147% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7965% | 599 |
| Noncurrent loans to loans | 1.0151% | 719 |
| Net loans and leases to total assets | 77.4300% | 827 |
| Net loans and leases to deposits | 87.3102% | 1,270 |
| Net loans and leases to core deposits | 91.3772% | 1,538 |
| Total domestic deposits to total assets | 88.6800% | 1,666 |
| Equity capital to assets | 10.2542% | 1,691 |
| Core capital (leverage) ratio | 11.0582% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $81,254,000 | 4,086 |
| Average earning assets | $71,594,500 | 4,119 |
| Average equity | $8,404,000 | 3,966 |
| Average total loans | $63,862,500 | 3,698 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 160 |
| Cost of funding earning assets | 0.2276% | 3,532 |
| Net interest margin | 5.2253% | 115 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 3.9451% | 346 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.8472% | 3,165 |
| Return on assets (ROA) | 0.8472% | 3,095 |
| Pretax return on assets | 0.8472% | 3,491 |
| Return on Equity (ROE) | 8.0900% | 3,368 |
| Retained earnings to average equity (ytd only) | 3.2522% | 3,642 |
| Net charge-offs to loans | 0.1042% | 715 |
| Credit loss provision to net charge-offs | 261.9048% | 979 |
| Earnings coverage of net charge-offs (x) | 13.3968% | 2,070 |
| Efficiency ratio | 78.9316% | 792 |
| Assets per employee ($millions) | 2.7810% | 4,558 |
| Cash dividends to net income (ytd only)* | 59.7938% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,028 |
| Loan loss allowance to noncurrent loans | 221.3699% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 1,123 |
| Noncurrent loans to loans | 0.5749% | 1,293 |
| Net loans and leases to total assets | 77.7300% | 825 |
| Net loans and leases to deposits | 87.8718% | 1,182 |
| Net loans and leases to core deposits | 92.0378% | 1,388 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 10.4329% | 1,484 |
| Core capital (leverage) ratio | 11.1988% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $80,149,400 | 4,129 |
| Average earning assets | $68,972,600 | 4,173 |
| Average equity | $8,394,400 | 4,058 |
| Average total loans | $60,451,600 | 3,720 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 131 |
| Cost of funding earning assets | 0.1638% | 3,695 |
| Net interest margin | 5.1990% | 97 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 3.8671% | 355 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 0.7964% | 3,279 |
| Return on assets (ROA) | 0.7964% | 3,231 |
| Pretax return on assets | 0.7964% | 3,582 |
| Return on Equity (ROE) | 7.6000% | 3,437 |
| Retained earnings to average equity (ytd only) | 1.1443% | 4,190 |
| Net charge-offs to loans | 0.0558% | 926 |
| Credit loss provision to net charge-offs | 660.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 25.7200% | 1,600 |
| Efficiency ratio | 78.3063% | 891 |
| Assets per employee ($millions) | 2.7851% | 4,592 |
| Cash dividends to net income (ytd only)* | 84.9372% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,733 |
| Loan loss allowance to noncurrent loans | 192.7107% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 991 |
| Noncurrent loans to loans | 0.7088% | 1,151 |
| Net loans and leases to total assets | 75.6400% | 945 |
| Net loans and leases to deposits | 85.0047% | 1,236 |
| Net loans and leases to core deposits | 88.7449% | 1,376 |
| Total domestic deposits to total assets | 88.9800% | 2,101 |
| Equity capital to assets | 9.9323% | 1,658 |
| Core capital (leverage) ratio | 11.0986% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $80,024,500 | 4,160 |
| Average earning assets | $68,371,000 | 4,207 |
| Average equity | $8,389,500 | 4,106 |
| Average total loans | $59,691,000 | 3,751 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 129 |
| Cost of funding earning assets | 0.1448% | 3,636 |
| Net interest margin | 5.0735% | 100 |
| Noninterest income to average assets | 0.5139% | 2,123 |
| Noninterest expense to average assets | 3.8207% | 316 |
| Loan and lease loss provision to assets | 0.2883% | 231 |
| Net operating income to assets | 0.7095% | 3,280 |
| Return on assets (ROA) | 0.7095% | 3,230 |
| Pretax return on assets | 0.7095% | 3,550 |
| Return on Equity (ROE) | 6.6494% | 3,412 |
| Retained earnings to average equity (ytd only) | -2.8900% | 4,445 |
| Net charge-offs to loans | 0.3597% | 193 |
| Credit loss provision to net charge-offs | 108.4906% | 1,231 |
| Earnings coverage of net charge-offs (x) | 3.7547% | 1,984 |
| Efficiency ratio | 79.2924% | 999 |
| Assets per employee ($millions) | 2.6845% | 4,657 |
| Cash dividends to net income (ytd only)* | 143.4629% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 2,783 |
| Loan loss allowance to noncurrent loans | 88.9303% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 404 |
| Noncurrent loans to loans | 1.3298% | 588 |
| Net loans and leases to total assets | 74.1836% | 894 |
| Net loans and leases to deposits | 83.5228% | 1,153 |
| Net loans and leases to core deposits | 86.6456% | 1,290 |
| Total domestic deposits to total assets | 88.8184% | 2,253 |
| Equity capital to assets | 10.1460% | 1,629 |
| Core capital (leverage) ratio | 10.7946% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,777,000 | 4,205 |
| Average earning assets | $67,685,000 | 4,270 |
| Average equity | $8,512,000 | 4,151 |
| Average total loans | $58,942,000 | 3,803 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 118 |
| Cost of funding earning assets | 0.1383% | 3,656 |
| Net interest margin | 5.1001% | 92 |
| Noninterest income to average assets | 0.5844% | 1,760 |
| Noninterest expense to average assets | 3.8237% | 315 |
| Loan and lease loss provision to assets | 0.2771% | 221 |
| Net operating income to assets | 0.7557% | 2,824 |
| Return on assets (ROA) | 0.7557% | 2,820 |
| Pretax return on assets | 0.7557% | 3,240 |
| Return on Equity (ROE) | 6.9105% | 3,063 |
| Retained earnings to average equity (ytd only) | -8.0622% | 4,527 |
| Net charge-offs to loans | 0.7287% | 95 |
| Credit loss provision to net charge-offs | 51.8868% | 1,192 |
| Earnings coverage of net charge-offs (x) | 1.9340% | 1,722 |
| Efficiency ratio | 78.7344% | 1,249 |
| Assets per employee ($millions) | 2.8685% | 4,667 |
| Cash dividends to net income (ytd only)* | 216.6667% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,233 |
| Loan loss allowance to noncurrent loans | 98.4962% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 564 |
| Noncurrent loans to loans | 1.1385% | 783 |
| Net loans and leases to total assets | 71.9067% | 841 |
| Net loans and leases to deposits | 83.6045% | 911 |
| Net loans and leases to core deposits | 87.2760% | 1,064 |
| Total domestic deposits to total assets | 86.0081% | 3,260 |
| Equity capital to assets | 10.4485% | 1,610 |
| Core capital (leverage) ratio | 10.9708% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,398,500 | 4,229 |
| Average earning assets | $66,508,500 | 4,305 |
| Average equity | $8,682,500 | 4,186 |
| Average total loans | $58,184,000 | 3,823 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0805% | 77 |
| Cost of funding earning assets | 0.1723% | 3,750 |
| Net interest margin | 5.9082% | 54 |
| Noninterest income to average assets | 0.3858% | 3,130 |
| Noninterest expense to average assets | 3.8763% | 325 |
| Loan and lease loss provision to assets | 0.3280% | 233 |
| Net operating income to assets | 1.0778% | 2,379 |
| Return on assets (ROA) | 1.0829% | 2,428 |
| Pretax return on assets | 1.0829% | 3,023 |
| Return on Equity (ROE) | 9.6819% | 2,645 |
| Retained earnings to average equity (ytd only) | 6.8763% | 1,973 |
| Net charge-offs to loans | 0.5235% | 155 |
| Credit loss provision to net charge-offs | 85.5705% | 1,913 |
| Earnings coverage of net charge-offs (x) | 3.6678% | 2,533 |
| Efficiency ratio | 73.3869% | 1,378 |
| Assets per employee ($millions) | 2.8028% | 4,718 |
| Cash dividends to net income (ytd only)* | 28.9786% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,799 |
| Loan loss allowance to noncurrent loans | 184.3342% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 1,099 |
| Noncurrent loans to loans | 0.6608% | 1,515 |
| Net loans and leases to total assets | 72.9533% | 758 |
| Net loans and leases to deposits | 85.9306% | 781 |
| Net loans and leases to core deposits | 88.4585% | 1,047 |
| Total domestic deposits to total assets | 84.8979% | 3,302 |
| Equity capital to assets | 11.4336% | 1,544 |
| Core capital (leverage) ratio | 11.0986% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,753,600 | 4,249 |
| Average earning assets | $64,435,400 | 4,328 |
| Average equity | $8,696,600 | 4,267 |
| Average total loans | $56,926,800 | 3,875 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2383% | 72 |
| Cost of funding earning assets | 0.1857% | 3,755 |
| Net interest margin | 6.0526% | 53 |
| Noninterest income to average assets | 0.3524% | 3,344 |
| Noninterest expense to average assets | 3.6748% | 383 |
| Loan and lease loss provision to assets | 0.3442% | 210 |
| Net operating income to assets | 1.3200% | 1,759 |
| Return on assets (ROA) | 1.3269% | 1,801 |
| Pretax return on assets | 1.3269% | 2,551 |
| Return on Equity (ROE) | 11.9305% | 2,072 |
| Retained earnings to average equity (ytd only) | 8.1597% | 2,005 |
| Net charge-offs to loans | 0.7200% | 108 |
| Credit loss provision to net charge-offs | 65.3595% | 1,779 |
| Earnings coverage of net charge-offs (x) | 3.1634% | 2,322 |
| Efficiency ratio | 68.8345% | 1,721 |
| Assets per employee ($millions) | 3.0102% | 4,754 |
| Cash dividends to net income (ytd only)* | 31.6062% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,338 |
| Loan loss allowance to noncurrent loans | 243.9394% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 1,690 |
| Noncurrent loans to loans | 0.4599% | 2,182 |
| Net loans and leases to total assets | 72.5203% | 820 |
| Net loans and leases to deposits | 85.5304% | 858 |
| Net loans and leases to core deposits | 88.0570% | 1,146 |
| Total domestic deposits to total assets | 84.7889% | 3,185 |
| Equity capital to assets | 11.4802% | 1,697 |
| Core capital (leverage) ratio | 11.1220% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,572,250 | 4,305 |
| Average earning assets | $63,904,500 | 4,393 |
| Average equity | $8,627,500 | 4,339 |
| Average total loans | $56,668,750 | 3,934 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1473% | 82 |
| Cost of funding earning assets | 0.1996% | 3,752 |
| Net interest margin | 5.9477% | 63 |
| Noninterest income to average assets | 0.2896% | 3,685 |
| Noninterest expense to average assets | 3.6901% | 373 |
| Loan and lease loss provision to assets | 0.3232% | 247 |
| Net operating income to assets | 1.1301% | 2,436 |
| Return on assets (ROA) | 1.1404% | 2,463 |
| Pretax return on assets | 1.1404% | 3,087 |
| Return on Equity (ROE) | 10.3663% | 2,630 |
| Retained earnings to average equity (ytd only) | 4.6308% | 3,317 |
| Net charge-offs to loans | 0.0425% | 1,212 |
| Credit loss provision to net charge-offs | 1,041.6667% | 458 |
| Earnings coverage of net charge-offs (x) | 46.8333% | 1,095 |
| Efficiency ratio | 71.7446% | 1,457 |
| Assets per employee ($millions) | 2.7393% | 4,823 |
| Cash dividends to net income (ytd only)* | 55.3288% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,660 |
| Loan loss allowance to noncurrent loans | 71.0288% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.6452% | 321 |
| Noncurrent loans to loans | 2.0824% | 454 |
| Net loans and leases to total assets | 72.3594% | 921 |
| Net loans and leases to deposits | 84.9385% | 995 |
| Net loans and leases to core deposits | 87.8542% | 1,277 |
| Total domestic deposits to total assets | 85.1903% | 3,021 |
| Equity capital to assets | 10.9024% | 2,066 |
| Core capital (leverage) ratio | 10.6474% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,341,333 | 4,331 |
| Average earning assets | $63,116,667 | 4,433 |
| Average equity | $8,508,333 | 4,369 |
| Average total loans | $56,424,333 | 3,964 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 185 |
| Cost of funding earning assets | 0.2226% | 3,706 |
| Net interest margin | 5.3420% | 130 |
| Noninterest income to average assets | 0.1573% | 4,414 |
| Noninterest expense to average assets | 3.6911% | 373 |
| Loan and lease loss provision to assets | 0.2622% | 381 |
| Net operating income to assets | 0.4824% | 4,203 |
| Return on assets (ROA) | 0.4824% | 4,242 |
| Pretax return on assets | 0.4824% | 4,378 |
| Return on Equity (ROE) | 4.3643% | 4,212 |
| Retained earnings to average equity (ytd only) | -3.3681% | 4,619 |
| Net charge-offs to loans | -0.0865% | 4,589 |
| Credit loss provision to net charge-offs | -416.6667% | 3,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2151% | 637 |
| Assets per employee ($millions) | 2.8188% | 4,842 |
| Cash dividends to net income (ytd only)* | 177.1739% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,821 |
| Loan loss allowance to noncurrent loans | 87.9740% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.2784% | 556 |
| Noncurrent loans to loans | 1.6334% | 741 |
| Net loans and leases to total assets | 70.5674% | 1,211 |
| Net loans and leases to deposits | 82.6583% | 1,282 |
| Net loans and leases to core deposits | 85.5072% | 1,553 |
| Total domestic deposits to total assets | 85.3724% | 2,972 |
| Equity capital to assets | 10.6074% | 2,166 |
| Core capital (leverage) ratio | 10.9593% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,291,500 | 4,363 |
| Average earning assets | $61,101,000 | 4,475 |
| Average equity | $8,432,000 | 4,394 |
| Average total loans | $55,463,500 | 4,001 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7396% | 129 |
| Cost of funding earning assets | 0.5092% | 2,891 |
| Net interest margin | 5.2304% | 93 |
| Noninterest income to average assets | 0.4773% | 2,743 |
| Noninterest expense to average assets | 3.7924% | 464 |
| Loan and lease loss provision to assets | 0.3943% | 807 |
| Net operating income to assets | 0.7044% | 3,421 |
| Return on assets (ROA) | 0.7125% | 3,527 |
| Pretax return on assets | 0.7125% | 3,854 |
| Return on Equity (ROE) | 6.3187% | 3,478 |
| Retained earnings to average equity (ytd only) | 3.3764% | 3,137 |
| Net charge-offs to loans | 0.0649% | 1,850 |
| Credit loss provision to net charge-offs | 805.5556% | 898 |
| Earnings coverage of net charge-offs (x) | 22.4444% | 1,854 |
| Efficiency ratio | 77.5368% | 1,077 |
| Assets per employee ($millions) | 2.7280% | 4,865 |
| Cash dividends to net income (ytd only)* | 46.5649% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,071 |
| Loan loss allowance to noncurrent loans | 86.1910% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4092% | 543 |
| Noncurrent loans to loans | 1.5969% | 826 |
| Net loans and leases to total assets | 72.8648% | 1,178 |
| Net loans and leases to deposits | 86.3014% | 1,228 |
| Net loans and leases to core deposits | 88.0558% | 1,690 |
| Total domestic deposits to total assets | 84.4305% | 2,976 |
| Equity capital to assets | 11.5291% | 1,862 |
| Core capital (leverage) ratio | 11.0910% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,542,200 | 4,332 |
| Average earning assets | $62,059,800 | 4,415 |
| Average equity | $8,292,800 | 4,390 |
| Average total loans | $55,508,000 | 3,988 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7645% | 146 |
| Cost of funding earning assets | 0.5760% | 2,764 |
| Net interest margin | 5.1885% | 107 |
| Noninterest income to average assets | 0.4371% | 2,896 |
| Noninterest expense to average assets | 3.5603% | 647 |
| Loan and lease loss provision to assets | 0.3904% | 926 |
| Net operating income to assets | 0.8978% | 2,718 |
| Return on assets (ROA) | 0.9087% | 2,793 |
| Pretax return on assets | 0.9087% | 3,358 |
| Return on Equity (ROE) | 8.1036% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.1570% | 2,964 |
| Net charge-offs to loans | 0.0741% | 1,572 |
| Credit loss provision to net charge-offs | 693.5484% | 1,076 |
| Earnings coverage of net charge-offs (x) | 22.9032% | 1,820 |
| Efficiency ratio | 73.4381% | 1,468 |
| Assets per employee ($millions) | 3.1412% | 4,797 |
| Cash dividends to net income (ytd only)* | 48.7026% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,585 |
| Loan loss allowance to noncurrent loans | 54.5820% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.8398% | 406 |
| Noncurrent loans to loans | 2.2250% | 519 |
| Net loans and leases to total assets | 73.2627% | 1,465 |
| Net loans and leases to deposits | 87.7743% | 1,509 |
| Net loans and leases to core deposits | 89.5359% | 2,016 |
| Total domestic deposits to total assets | 83.4671% | 3,005 |
| Equity capital to assets | 11.2457% | 2,196 |
| Core capital (leverage) ratio | 11.0128% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,513,500 | 4,343 |
| Average earning assets | $62,495,750 | 4,422 |
| Average equity | $8,243,000 | 4,415 |
| Average total loans | $55,780,250 | 4,005 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7980% | 190 |
| Cost of funding earning assets | 0.6765% | 2,519 |
| Net interest margin | 5.1215% | 161 |
| Noninterest income to average assets | 0.4253% | 2,938 |
| Noninterest expense to average assets | 3.3970% | 852 |
| Loan and lease loss provision to assets | 0.3841% | 1,070 |
| Net operating income to assets | 1.0482% | 2,156 |
| Return on assets (ROA) | 1.0646% | 2,217 |
| Pretax return on assets | 1.0646% | 2,821 |
| Return on Equity (ROE) | 9.5044% | 2,150 |
| Retained earnings to average equity (ytd only) | 3.5274% | 3,162 |
| Net charge-offs to loans | 0.0359% | 2,017 |
| Credit loss provision to net charge-offs | 1,400.0000% | 626 |
| Earnings coverage of net charge-offs (x) | 52.2000% | 1,071 |
| Efficiency ratio | 70.3409% | 1,913 |
| Assets per employee ($millions) | 3.0512% | 4,842 |
| Cash dividends to net income (ytd only)* | 62.8866% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,040 |
| Loan loss allowance to noncurrent loans | 51.2295% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 450 |
| Noncurrent loans to loans | 2.1517% | 593 |
| Net loans and leases to total assets | 73.5130% | 1,472 |
| Net loans and leases to deposits | 87.6871% | 1,590 |
| Net loans and leases to core deposits | 89.4138% | 2,118 |
| Total domestic deposits to total assets | 83.8357% | 2,803 |
| Equity capital to assets | 10.9021% | 2,420 |
| Core capital (leverage) ratio | 10.8243% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,888,333 | 4,355 |
| Average earning assets | $62,677,000 | 4,429 |
| Average equity | $8,164,667 | 4,440 |
| Average total loans | $55,736,667 | 4,025 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5853% | 313 |
| Cost of funding earning assets | 0.7622% | 2,596 |
| Net interest margin | 4.8231% | 265 |
| Noninterest income to average assets | 0.4663% | 2,720 |
| Noninterest expense to average assets | 3.5116% | 920 |
| Loan and lease loss provision to assets | 0.3652% | 842 |
| Net operating income to assets | 0.8203% | 2,832 |
| Return on assets (ROA) | 0.8540% | 2,787 |
| Pretax return on assets | 0.8540% | 3,273 |
| Return on Equity (ROE) | 7.5164% | 2,726 |
| Retained earnings to average equity (ytd only) | -0.5439% | 4,081 |
| Net charge-offs to loans | 0.3402% | 423 |
| Credit loss provision to net charge-offs | 138.2979% | 1,629 |
| Earnings coverage of net charge-offs (x) | 4.4894% | 2,135 |
| Efficiency ratio | 74.7608% | 1,718 |
| Assets per employee ($millions) | 3.0128% | 4,788 |
| Cash dividends to net income (ytd only)* | 107.2368% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 4,042 |
| Loan loss allowance to noncurrent loans | 32.9268% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 2.3525% | 310 |
| Noncurrent loans to loans | 2.7899% | 405 |
| Net loans and leases to total assets | 76.5223% | 1,210 |
| Net loans and leases to deposits | 87.6003% | 1,799 |
| Net loans and leases to core deposits | 92.3230% | 2,125 |
| Total domestic deposits to total assets | 87.3539% | 1,403 |
| Equity capital to assets | 11.2064% | 2,672 |
| Core capital (leverage) ratio | 11.3819% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,193,000 | 4,391 |
| Average earning assets | $62,449,500 | 4,443 |
| Average equity | $8,089,000 | 4,475 |
| Average total loans | $55,255,000 | 4,047 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6741% | 420 |
| Cost of funding earning assets | 0.7940% | 2,717 |
| Net interest margin | 4.8801% | 341 |
| Noninterest income to average assets | 0.7369% | 1,671 |
| Noninterest expense to average assets | 3.7606% | 706 |
| Loan and lease loss provision to assets | 0.5585% | 218 |
| Net operating income to assets | 0.7311% | 3,761 |
| Return on assets (ROA) | 0.7325% | 3,826 |
| Pretax return on assets | 0.7325% | 4,130 |
| Return on Equity (ROE) | 6.3820% | 3,790 |
| Retained earnings to average equity (ytd only) | 2.2547% | 3,886 |
| Net charge-offs to loans | 0.4079% | 475 |
| Credit loss provision to net charge-offs | 183.6538% | 1,437 |
| Earnings coverage of net charge-offs (x) | 4.2404% | 3,238 |
| Efficiency ratio | 74.4644% | 1,554 |
| Assets per employee ($millions) | 3.1854% | 4,717 |
| Cash dividends to net income (ytd only)* | 64.6707% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 3,936 |
| Loan loss allowance to noncurrent loans | 35.1064% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 2.2161% | 329 |
| Noncurrent loans to loans | 2.5793% | 409 |
| Net loans and leases to total assets | 77.2999% | 1,205 |
| Net loans and leases to deposits | 88.9026% | 1,712 |
| Net loans and leases to core deposits | 93.8627% | 2,076 |
| Total domestic deposits to total assets | 86.9490% | 1,639 |
| Equity capital to assets | 11.5227% | 2,512 |
| Core capital (leverage) ratio | 11.6264% | 2,015 |
| Tier 1 risk-based capital ratio | 16.8118% | 2,119 |
| Total risk-based capital ratio | 17.8508% | 2,120 |
| Memoranda: | ||
| Average total assets | $68,392,800 | 4,454 |
| Average earning assets | $60,449,600 | 4,505 |
| Average equity | $7,850,200 | 4,525 |
| Average total loans | $50,993,800 | 4,160 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 477 |
| Cost of funding earning assets | 0.7947% | 2,747 |
| Net interest margin | 4.8215% | 402 |
| Noninterest income to average assets | 0.8154% | 1,374 |
| Noninterest expense to average assets | 3.7594% | 692 |
| Loan and lease loss provision to assets | 0.3077% | 474 |
| Net operating income to assets | 1.0055% | 2,962 |
| Return on assets (ROA) | 1.0075% | 3,037 |
| Pretax return on assets | 1.0075% | 3,576 |
| Return on Equity (ROE) | 8.7341% | 2,990 |
| Retained earnings to average equity (ytd only) | 3.2286% | 3,793 |
| Net charge-offs to loans | 0.4127% | 401 |
| Credit loss provision to net charge-offs | 101.2903% | 2,225 |
| Earnings coverage of net charge-offs (x) | 4.3226% | 3,020 |
| Efficiency ratio | 74.1113% | 1,548 |
| Assets per employee ($millions) | 3.0859% | 4,848 |
| Cash dividends to net income (ytd only)* | 63.0348% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6123% | 4,793 |
| Loan loss allowance to noncurrent loans | 34.9189% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.5731% | 671 |
| Noncurrent loans to loans | 1.7534% | 825 |
| Net loans and leases to total assets | 77.2308% | 1,278 |
| Net loans and leases to deposits | 89.3159% | 1,775 |
| Net loans and leases to core deposits | 94.4908% | 2,136 |
| Total domestic deposits to total assets | 86.4693% | 1,782 |
| Equity capital to assets | 11.9620% | 2,292 |
| Core capital (leverage) ratio | 11.9477% | 1,887 |
| Tier 1 risk-based capital ratio | 17.4808% | 1,949 |
| Total risk-based capital ratio | 18.1846% | 2,049 |
| Memoranda: | ||
| Average total assets | $68,023,750 | 4,512 |
| Average earning assets | $60,063,250 | 4,568 |
| Average equity | $7,846,500 | 4,579 |
| Average total loans | $50,075,750 | 4,230 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5506% | 515 |
| Cost of funding earning assets | 0.7858% | 2,712 |
| Net interest margin | 4.7648% | 438 |
| Noninterest income to average assets | 0.6347% | 2,002 |
| Noninterest expense to average assets | 3.5699% | 882 |
| Loan and lease loss provision to assets | 0.3291% | 403 |
| Net operating income to assets | 0.9226% | 3,200 |
| Return on assets (ROA) | 0.9314% | 3,223 |
| Pretax return on assets | 0.9314% | 3,764 |
| Return on Equity (ROE) | 8.1754% | 3,217 |
| Retained earnings to average equity (ytd only) | -0.1805% | 4,709 |
| Net charge-offs to loans | 0.4473% | 363 |
| Credit loss provision to net charge-offs | 101.8182% | 1,935 |
| Earnings coverage of net charge-offs (x) | 3.8727% | 2,789 |
| Efficiency ratio | 74.0402% | 1,644 |
| Assets per employee ($millions) | 3.0989% | 4,842 |
| Cash dividends to net income (ytd only)* | 102.2082% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6356% | 4,816 |
| Loan loss allowance to noncurrent loans | 37.7778% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.5358% | 723 |
| Noncurrent loans to loans | 1.6825% | 908 |
| Net loans and leases to total assets | 74.0638% | 1,877 |
| Net loans and leases to deposits | 85.9646% | 2,259 |
| Net loans and leases to core deposits | 91.1163% | 2,497 |
| Total domestic deposits to total assets | 86.1562% | 1,951 |
| Equity capital to assets | 11.5350% | 2,580 |
| Core capital (leverage) ratio | 11.4384% | 2,221 |
| Tier 1 risk-based capital ratio | 17.3580% | 1,983 |
| Total risk-based capital ratio | 18.0745% | 2,078 |
| Memoranda: | ||
| Average total assets | $68,068,330 | 4,549 |
| Average earning assets | $59,813,330 | 4,611 |
| Average equity | $7,755,000 | 4,616 |
| Average total loans | $49,182,670 | 4,276 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6066% | 426 |
| Cost of funding earning assets | 0.7750% | 2,668 |
| Net interest margin | 4.8317% | 380 |
| Noninterest income to average assets | 0.8233% | 1,228 |
| Noninterest expense to average assets | 3.7227% | 734 |
| Loan and lease loss provision to assets | 0.2646% | 534 |
| Net operating income to assets | 1.0527% | 2,650 |
| Return on assets (ROA) | 1.0527% | 2,692 |
| Pretax return on assets | 1.0527% | 3,277 |
| Return on Equity (ROE) | 9.2981% | 2,673 |
| Retained earnings to average equity (ytd only) | -3.3245% | 4,833 |
| Net charge-offs to loans | 0.6285% | 239 |
| Credit loss provision to net charge-offs | 59.2105% | 1,918 |
| Earnings coverage of net charge-offs (x) | 2.9474% | 2,445 |
| Efficiency ratio | 73.8623% | 1,773 |
| Assets per employee ($millions) | 3.2630% | 4,772 |
| Cash dividends to net income (ytd only)* | 135.7542% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 4,948 |
| Loan loss allowance to noncurrent loans | 41.7867% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 1,336 |
| Noncurrent loans to loans | 1.4214% | 1,142 |
| Net loans and leases to total assets | 70.8317% | 2,356 |
| Net loans and leases to deposits | 81.0974% | 2,714 |
| Net loans and leases to core deposits | 86.9743% | 2,781 |
| Total domestic deposits to total assets | 87.3415% | 1,649 |
| Equity capital to assets | 11.2707% | 2,587 |
| Core capital (leverage) ratio | 11.4946% | 2,137 |
| Tier 1 risk-based capital ratio | 17.7760% | 1,863 |
| Total risk-based capital ratio | 18.4395% | 1,993 |
| Memoranda: | ||
| Average total assets | $68,015,000 | 4,602 |
| Average earning assets | $59,358,500 | 4,668 |
| Average equity | $7,700,500 | 4,656 |
| Average total loans | $48,366,000 | 4,343 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 427 |
| Cost of funding earning assets | 0.6487% | 2,400 |
| Net interest margin | 4.8267% | 375 |
| Noninterest income to average assets | 0.8170% | 1,403 |
| Noninterest expense to average assets | 3.6644% | 810 |
| Loan and lease loss provision to assets | 0.3693% | 399 |
| Net operating income to assets | 0.9888% | 3,059 |
| Return on assets (ROA) | 0.9949% | 3,023 |
| Pretax return on assets | 0.9949% | 3,624 |
| Return on Equity (ROE) | 8.8073% | 3,091 |
| Retained earnings to average equity (ytd only) | 2.2952% | 4,234 |
| Net charge-offs to loans | 0.4879% | 367 |
| Credit loss provision to net charge-offs | 108.4071% | 2,364 |
| Earnings coverage of net charge-offs (x) | 3.9867% | 3,352 |
| Efficiency ratio | 72.9592% | 1,768 |
| Assets per employee ($millions) | 3.3754% | 4,684 |
| Cash dividends to net income (ytd only)* | 73.9394% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6701% | 4,867 |
| Loan loss allowance to noncurrent loans | 54.4992% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 1,287 |
| Noncurrent loans to loans | 1.2295% | 1,292 |
| Net loans and leases to total assets | 70.4890% | 2,500 |
| Net loans and leases to deposits | 80.8183% | 2,873 |
| Net loans and leases to core deposits | 86.3706% | 2,883 |
| Total domestic deposits to total assets | 87.2191% | 1,677 |
| Equity capital to assets | 11.3736% | 2,349 |
| Core capital (leverage) ratio | 11.7882% | 1,886 |
| Tier 1 risk-based capital ratio | 17.9710% | 1,759 |
| Total risk-based capital ratio | 18.7074% | 1,865 |
| Memoranda: | ||
| Average total assets | $66,341,400 | 4,646 |
| Average earning assets | $57,804,000 | 4,714 |
| Average equity | $7,493,800 | 4,679 |
| Average total loans | $46,320,800 | 4,394 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4296% | 422 |
| Cost of funding earning assets | 0.6352% | 2,241 |
| Net interest margin | 4.7943% | 378 |
| Noninterest income to average assets | 0.8882% | 1,230 |
| Noninterest expense to average assets | 3.5891% | 869 |
| Loan and lease loss provision to assets | 0.4037% | 314 |
| Net operating income to assets | 1.0699% | 2,782 |
| Return on assets (ROA) | 1.0699% | 2,794 |
| Pretax return on assets | 1.0699% | 3,499 |
| Return on Equity (ROE) | 9.4881% | 2,856 |
| Retained earnings to average equity (ytd only) | 0.7519% | 4,909 |
| Net charge-offs to loans | 0.6300% | 231 |
| Credit loss provision to net charge-offs | 92.1659% | 2,399 |
| Earnings coverage of net charge-offs (x) | 3.3640% | 3,167 |
| Efficiency ratio | 70.8931% | 2,056 |
| Assets per employee ($millions) | 3.2724% | 4,805 |
| Cash dividends to net income (ytd only)* | 92.0753% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6176% | 5,014 |
| Loan loss allowance to noncurrent loans | 23.4182% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.0490% | 515 |
| Noncurrent loans to loans | 2.6373% | 473 |
| Net loans and leases to total assets | 70.0720% | 2,635 |
| Net loans and leases to deposits | 80.3814% | 2,997 |
| Net loans and leases to core deposits | 83.3303% | 3,209 |
| Total domestic deposits to total assets | 87.1744% | 1,654 |
| Equity capital to assets | 11.4046% | 2,330 |
| Core capital (leverage) ratio | 11.7268% | 1,992 |
| Tier 1 risk-based capital ratio | 18.1662% | 1,752 |
| Total risk-based capital ratio | 18.8383% | 1,865 |
| Memoranda: | ||
| Average total assets | $66,050,000 | 4,700 |
| Average earning assets | $57,511,000 | 4,772 |
| Average equity | $7,447,750 | 4,734 |
| Average total loans | $45,924,500 | 4,454 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3706% | 410 |
| Cost of funding earning assets | 0.6300% | 2,045 |
| Net interest margin | 4.7406% | 400 |
| Noninterest income to average assets | 1.0083% | 944 |
| Noninterest expense to average assets | 3.5199% | 972 |
| Loan and lease loss provision to assets | 0.3472% | 380 |
| Net operating income to assets | 1.2528% | 1,967 |
| Return on assets (ROA) | 1.2528% | 1,967 |
| Pretax return on assets | 1.2528% | 2,717 |
| Return on Equity (ROE) | 11.1524% | 2,049 |
| Retained earnings to average equity (ytd only) | -1.9618% | 5,146 |
| Net charge-offs to loans | 0.7459% | 192 |
| Credit loss provision to net charge-offs | 67.2515% | 2,378 |
| Earnings coverage of net charge-offs (x) | 3.0994% | 2,911 |
| Efficiency ratio | 68.7500% | 2,520 |
| Assets per employee ($millions) | 3.3370% | 4,778 |
| Cash dividends to net income (ytd only)* | 117.5904% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5313% | 5,218 |
| Loan loss allowance to noncurrent loans | 15.8607% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 2.5098% | 350 |
| Noncurrent loans to loans | 3.3499% | 306 |
| Net loans and leases to total assets | 69.0061% | 2,724 |
| Net loans and leases to deposits | 78.8353% | 3,071 |
| Net loans and leases to core deposits | 82.7119% | 3,187 |
| Total domestic deposits to total assets | 87.5320% | 1,629 |
| Equity capital to assets | 11.0895% | 2,549 |
| Core capital (leverage) ratio | 11.4586% | 2,102 |
| Tier 1 risk-based capital ratio | 17.6097% | 1,912 |
| Total risk-based capital ratio | 18.1806% | 2,068 |
| Memoranda: | ||
| Average total assets | $66,251,000 | 4,753 |
| Average earning assets | $57,461,000 | 4,827 |
| Average equity | $7,442,330 | 4,783 |
| Average total loans | $45,851,000 | 4,496 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 376 |
| Cost of funding earning assets | 0.6315% | 1,832 |
| Net interest margin | 4.7082% | 400 |
| Noninterest income to average assets | 1.4423% | 454 |
| Noninterest expense to average assets | 3.5330% | 940 |
| Loan and lease loss provision to assets | 0.6060% | 169 |
| Net operating income to assets | 1.3696% | 1,423 |
| Return on assets (ROA) | 1.3696% | 1,439 |
| Pretax return on assets | 1.3696% | 2,108 |
| Return on Equity (ROE) | 12.1131% | 1,542 |
| Retained earnings to average equity (ytd only) | -9.6476% | 5,362 |
| Net charge-offs to loans | 1.2011% | 122 |
| Credit loss provision to net charge-offs | 72.9927% | 1,807 |
| Earnings coverage of net charge-offs (x) | 2.3796% | 2,467 |
| Efficiency ratio | 64.1364% | 3,462 |
| Assets per employee ($millions) | 3.3099% | 4,895 |
| Cash dividends to net income (ytd only)* | 179.6460% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 5,217 |
| Loan loss allowance to noncurrent loans | 17.8933% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 2.5213% | 364 |
| Noncurrent loans to loans | 3.2580% | 340 |
| Net loans and leases to total assets | 68.2705% | 2,732 |
| Net loans and leases to deposits | 77.9364% | 3,020 |
| Net loans and leases to core deposits | 81.7854% | 3,158 |
| Total domestic deposits to total assets | 87.5976% | 1,850 |
| Equity capital to assets | 11.0488% | 2,535 |
| Core capital (leverage) ratio | 11.3399% | 2,130 |
| Tier 1 risk-based capital ratio | 17.6270% | 1,941 |
| Total risk-based capital ratio | 18.2514% | 2,071 |
| Memoranda: | ||
| Average total assets | $66,007,000 | 4,815 |
| Average earning assets | $57,007,000 | 4,893 |
| Average equity | $7,463,000 | 4,826 |
| Average total loans | $45,626,500 | 4,549 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6963% | 199 |
| Cost of funding earning assets | 0.4638% | 2,654 |
| Net interest margin | 5.2325% | 161 |
| Noninterest income to average assets | 0.6813% | 2,046 |
| Noninterest expense to average assets | 3.9184% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2254% | 1,442 |
| Return on assets (ROA) | 1.2319% | 1,436 |
| Pretax return on assets | 1.2319% | 2,628 |
| Return on Equity (ROE) | 10.2271% | 1,797 |
| Retained earnings to average equity (ytd only) | 3.6994% | 3,010 |
| Net charge-offs to loans | 0.0399% | 2,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 42.1667% | 1,215 |
| Efficiency ratio | 76.1770% | 1,590 |
| Assets per employee ($millions) | 3.1341% | 5,095 |
| Cash dividends to net income (ytd only)* | 63.8270% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 5,138 |
| Loan loss allowance to noncurrent loans | 18.6997% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 2.6027% | 345 |
| Noncurrent loans to loans | 3.5266% | 284 |
| Net loans and leases to total assets | 69.1204% | 2,661 |
| Net loans and leases to deposits | 79.3736% | 2,987 |
| Net loans and leases to core deposits | 82.4971% | 3,204 |
| Total domestic deposits to total assets | 87.0824% | 1,953 |
| Equity capital to assets | 11.5654% | 2,143 |
| Core capital (leverage) ratio | 11.6583% | 1,824 |
| Tier 1 risk-based capital ratio | 17.7920% | 1,860 |
| Total risk-based capital ratio | 18.4935% | 1,966 |
| Memoranda: | ||
| Average total assets | $61,937,800 | 4,925 |
| Average earning assets | $52,824,200 | 5,017 |
| Average equity | $7,460,600 | 4,869 |
| Average total loans | $45,115,600 | 4,588 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 184 |
| Cost of funding earning assets | 0.4009% | 3,181 |
| Net interest margin | 5.3204% | 139 |
| Noninterest income to average assets | 0.6692% | 2,129 |
| Noninterest expense to average assets | 3.7746% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4215% | 1,042 |
| Return on assets (ROA) | 1.4302% | 1,045 |
| Pretax return on assets | 1.4302% | 2,014 |
| Return on Equity (ROE) | 11.7474% | 1,413 |
| Retained earnings to average equity (ytd only) | 2.9997% | 4,123 |
| Net charge-offs to loans | 0.0059% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 324.5880% | 284 |
| Efficiency ratio | 72.6431% | 2,110 |
| Assets per employee ($millions) | 2.9693% | 5,283 |
| Cash dividends to net income (ytd only)* | 74.4650% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 5,126 |
| Loan loss allowance to noncurrent loans | 28.9881% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.8018% | 769 |
| Noncurrent loans to loans | 2.4355% | 640 |
| Net loans and leases to total assets | 68.4638% | 2,779 |
| Net loans and leases to deposits | 78.6480% | 3,104 |
| Net loans and leases to core deposits | 81.3844% | 3,343 |
| Total domestic deposits to total assets | 87.0509% | 1,852 |
| Equity capital to assets | 11.6387% | 2,241 |
| Core capital (leverage) ratio | 12.2851% | 1,521 |
| Tier 1 risk-based capital ratio | 17.9758% | 1,861 |
| Total risk-based capital ratio | 18.7327% | 1,961 |
| Memoranda: | ||
| Average total assets | $60,968,000 | 4,999 |
| Average earning assets | $51,874,750 | 5,090 |
| Average equity | $7,422,750 | 4,924 |
| Average total loans | $44,945,750 | 4,635 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7353% | 179 |
| Cost of funding earning assets | 0.3543% | 3,537 |
| Net interest margin | 5.3810% | 127 |
| Noninterest income to average assets | 0.7124% | 1,935 |
| Noninterest expense to average assets | 3.8444% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5122% | 840 |
| Return on assets (ROA) | 1.5156% | 861 |
| Pretax return on assets | 1.5156% | 1,581 |
| Return on Equity (ROE) | 12.2510% | 1,222 |
| Retained earnings to average equity (ytd only) | -0.9779% | 5,230 |
| Net charge-offs to loans | -0.0445% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7691% | 2,386 |
| Assets per employee ($millions) | 2.8736% | 5,378 |
| Cash dividends to net income (ytd only)* | 107.9823% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 5,133 |
| Loan loss allowance to noncurrent loans | 27.6151% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 2.2868% | 509 |
| Noncurrent loans to loans | 2.6470% | 539 |
| Net loans and leases to total assets | 74.2651% | 1,819 |
| Net loans and leases to deposits | 86.0291% | 2,217 |
| Net loans and leases to core deposits | 88.7287% | 2,640 |
| Total domestic deposits to total assets | 86.3255% | 2,230 |
| Equity capital to assets | 12.2991% | 1,733 |
| Core capital (leverage) ratio | 12.2704% | 1,493 |
| Tier 1 risk-based capital ratio | 17.9419% | 1,870 |
| Total risk-based capital ratio | 18.7476% | 1,966 |
| Memoranda: | ||
| Average total assets | $59,515,670 | 5,068 |
| Average earning assets | $51,366,330 | 5,130 |
| Average equity | $7,362,670 | 4,950 |
| Average total loans | $44,913,670 | 4,662 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7079% | 177 |
| Cost of funding earning assets | 0.3280% | 3,772 |
| Net interest margin | 5.3800% | 123 |
| Noninterest income to average assets | 0.7377% | 1,791 |
| Noninterest expense to average assets | 3.9458% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4551% | 881 |
| Return on assets (ROA) | 1.4551% | 906 |
| Pretax return on assets | 1.4551% | 1,679 |
| Return on Equity (ROE) | 11.7278% | 1,328 |
| Retained earnings to average equity (ytd only) | -10.4187% | 5,587 |
| Net charge-offs to loans | -0.1071% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0576% | 2,397 |
| Assets per employee ($millions) | 2.8403% | 5,465 |
| Cash dividends to net income (ytd only)* | 188.8372% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 5,197 |
| Loan loss allowance to noncurrent loans | 27.0952% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 2.3958% | 502 |
| Noncurrent loans to loans | 2.7699% | 526 |
| Net loans and leases to total assets | 73.8306% | 1,772 |
| Net loans and leases to deposits | 85.3645% | 2,104 |
| Net loans and leases to core deposits | 88.0652% | 2,539 |
| Total domestic deposits to total assets | 86.4886% | 2,445 |
| Equity capital to assets | 12.1450% | 1,743 |
| Core capital (leverage) ratio | 12.2587% | 1,465 |
| Tier 1 risk-based capital ratio | 17.6332% | 1,994 |
| Total risk-based capital ratio | 18.4494% | 2,068 |
| Memoranda: | ||
| Average total assets | $59,100,500 | 5,131 |
| Average earning assets | $51,227,000 | 5,189 |
| Average equity | $7,333,000 | 4,993 |
| Average total loans | $44,797,500 | 4,706 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5848% | 222 |
| Cost of funding earning assets | 0.3364% | 3,675 |
| Net interest margin | 5.2484% | 158 |
| Noninterest income to average assets | 1.2358% | 744 |
| Noninterest expense to average assets | 3.9790% | 620 |
| Loan and lease loss provision to assets | 0.2899% | 660 |
| Net operating income to assets | 1.5157% | 806 |
| Return on assets (ROA) | 1.5307% | 807 |
| Pretax return on assets | 1.5307% | 1,489 |
| Return on Equity (ROE) | 12.6054% | 1,091 |
| Retained earnings to average equity (ytd only) | 5.9616% | 1,725 |
| Net charge-offs to loans | 0.4749% | 522 |
| Credit loss provision to net charge-offs | 82.9384% | 2,931 |
| Earnings coverage of net charge-offs (x) | 5.1659% | 3,381 |
| Efficiency ratio | 68.7858% | 3,108 |
| Assets per employee ($millions) | 2.7883% | 5,497 |
| Cash dividends to net income (ytd only)* | 52.7056% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7076% | 5,342 |
| Loan loss allowance to noncurrent loans | 23.0382% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 2.4336% | 501 |
| Noncurrent loans to loans | 3.0713% | 438 |
| Net loans and leases to total assets | 76.6886% | 1,408 |
| Net loans and leases to deposits | 89.2939% | 1,764 |
| Net loans and leases to core deposits | 92.1885% | 2,282 |
| Total domestic deposits to total assets | 85.8834% | 2,639 |
| Equity capital to assets | 12.6753% | 1,410 |
| Core capital (leverage) ratio | 12.4507% | 1,353 |
| Tier 1 risk-based capital ratio | 18.2125% | 1,797 |
| Total risk-based capital ratio | 19.0017% | 1,881 |
| Memoranda: | ||
| Average total assets | $60,366,200 | 5,134 |
| Average earning assets | $52,320,600 | 5,201 |
| Average equity | $7,330,200 | 5,034 |
| Average total loans | $44,432,000 | 4,734 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5736% | 230 |
| Cost of funding earning assets | 0.3379% | 3,677 |
| Net interest margin | 5.2358% | 160 |
| Noninterest income to average assets | 1.4008% | 603 |
| Noninterest expense to average assets | 3.7005% | 842 |
| Loan and lease loss provision to assets | 0.1644% | 1,390 |
| Net operating income to assets | 2.0541% | 315 |
| Return on assets (ROA) | 2.0541% | 327 |
| Pretax return on assets | 2.0541% | 507 |
| Return on Equity (ROE) | 17.0967% | 437 |
| Retained earnings to average equity (ytd only) | 8.2109% | 1,080 |
| Net charge-offs to loans | -0.0663% | 5,449 |
| Credit loss provision to net charge-offs | -340.9091% | 4,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5185% | 4,138 |
| Assets per employee ($millions) | 2.8380% | 5,518 |
| Cash dividends to net income (ytd only)* | 51.9747% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 4,386 |
| Loan loss allowance to noncurrent loans | 27.9630% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.7535% | 465 |
| Noncurrent loans to loans | 3.5882% | 349 |
| Net loans and leases to total assets | 74.9954% | 1,704 |
| Net loans and leases to deposits | 87.2251% | 2,114 |
| Net loans and leases to core deposits | 89.9930% | 2,579 |
| Total domestic deposits to total assets | 85.9792% | 2,367 |
| Equity capital to assets | 12.7070% | 1,640 |
| Core capital (leverage) ratio | 12.3167% | 1,476 |
| Tier 1 risk-based capital ratio | 17.9581% | 1,935 |
| Total risk-based capital ratio | 19.0577% | 1,934 |
| Memoranda: | ||
| Average total assets | $60,819,000 | 5,169 |
| Average earning assets | $52,483,750 | 5,241 |
| Average equity | $7,307,250 | 5,092 |
| Average total loans | $44,233,750 | 4,779 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 238 |
| Cost of funding earning assets | 0.3391% | 3,704 |
| Net interest margin | 5.1968% | 169 |
| Noninterest income to average assets | 1.7117% | 433 |
| Noninterest expense to average assets | 3.6880% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.4793% | 160 |
| Return on assets (ROA) | 2.4793% | 160 |
| Pretax return on assets | 2.4793% | 227 |
| Return on Equity (ROE) | 21.0288% | 192 |
| Retained earnings to average equity (ytd only) | 7.5360% | 1,363 |
| Net charge-offs to loans | -0.1730% | 5,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7987% | 4,667 |
| Assets per employee ($millions) | 2.9471% | 5,483 |
| Cash dividends to net income (ytd only)* | 64.1634% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 5,016 |
| Loan loss allowance to noncurrent loans | 34.2907% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 1.8662% | 909 |
| Noncurrent loans to loans | 2.5639% | 666 |
| Net loans and leases to total assets | 71.7753% | 2,208 |
| Net loans and leases to deposits | 82.6960% | 2,625 |
| Net loans and leases to core deposits | 85.1907% | 2,970 |
| Total domestic deposits to total assets | 86.7941% | 2,014 |
| Equity capital to assets | 11.9537% | 2,162 |
| Core capital (leverage) ratio | 11.7153% | 1,835 |
| Tier 1 risk-based capital ratio | 17.4890% | 2,065 |
| Total risk-based capital ratio | 18.4434% | 2,120 |
| Memoranda: | ||
| Average total assets | $61,226,330 | 5,217 |
| Average earning assets | $52,494,330 | 5,301 |
| Average equity | $7,218,670 | 5,155 |
| Average total loans | $43,929,000 | 4,835 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 231 |
| Cost of funding earning assets | 0.3382% | 3,740 |
| Net interest margin | 5.2344% | 167 |
| Noninterest income to average assets | 2.7063% | 226 |
| Noninterest expense to average assets | 3.7244% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.4551% | 72 |
| Return on assets (ROA) | 3.4551% | 71 |
| Pretax return on assets | 3.4551% | 98 |
| Return on Equity (ROE) | 29.5133% | 53 |
| Retained earnings to average equity (ytd only) | 6.7331% | 2,016 |
| Net charge-offs to loans | -0.2943% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8756% | 5,520 |
| Assets per employee ($millions) | 3.2556% | 5,191 |
| Cash dividends to net income (ytd only)* | 77.1863% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 5,074 |
| Loan loss allowance to noncurrent loans | 38.2266% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 1.6506% | 1,191 |
| Noncurrent loans to loans | 2.3393% | 846 |
| Net loans and leases to total assets | 69.5179% | 2,420 |
| Net loans and leases to deposits | 79.9112% | 2,799 |
| Net loans and leases to core deposits | 82.3143% | 3,105 |
| Total domestic deposits to total assets | 86.9940% | 2,214 |
| Equity capital to assets | 11.6901% | 2,254 |
| Core capital (leverage) ratio | 11.6940% | 1,832 |
| Tier 1 risk-based capital ratio | 17.1304% | 2,242 |
| Total risk-based capital ratio | 18.0708% | 2,301 |
| Memoranda: | ||
| Average total assets | $60,895,000 | 5,273 |
| Average earning assets | $52,040,000 | 5,361 |
| Average equity | $7,129,000 | 5,207 |
| Average total loans | $43,486,000 | 4,880 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3987% | 324 |
| Cost of funding earning assets | 0.3579% | 3,614 |
| Net interest margin | 5.0409% | 235 |
| Noninterest income to average assets | 0.6785% | 2,300 |
| Noninterest expense to average assets | 4.0215% | 652 |
| Loan and lease loss provision to assets | 0.0904% | 2,498 |
| Net operating income to assets | 0.9167% | 2,776 |
| Return on assets (ROA) | 1.0317% | 2,288 |
| Pretax return on assets | 1.0317% | 3,342 |
| Return on Equity (ROE) | 9.0589% | 2,426 |
| Retained earnings to average equity (ytd only) | 0.2741% | 5,402 |
| Net charge-offs to loans | 0.0976% | 2,443 |
| Credit loss provision to net charge-offs | 134.1463% | 1,957 |
| Earnings coverage of net charge-offs (x) | 14.9512% | 2,246 |
| Efficiency ratio | 79.9739% | 1,683 |
| Assets per employee ($millions) | 3.1544% | 5,348 |
| Cash dividends to net income (ytd only)* | 96.9745% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8168% | 5,367 |
| Loan loss allowance to noncurrent loans | 35.0049% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 1.7069% | 1,136 |
| Noncurrent loans to loans | 2.3335% | 820 |
| Net loans and leases to total assets | 72.1243% | 2,029 |
| Net loans and leases to deposits | 83.0841% | 2,465 |
| Net loans and leases to core deposits | 85.6659% | 2,819 |
| Total domestic deposits to total assets | 86.8088% | 2,234 |
| Equity capital to assets | 11.7246% | 2,176 |
| Core capital (leverage) ratio | 11.5854% | 1,898 |
| Tier 1 risk-based capital ratio | 17.0073% | 2,280 |
| Total risk-based capital ratio | 17.8787% | 2,374 |
| Memoranda: | ||
| Average total assets | $60,872,200 | 5,304 |
| Average earning assets | $52,530,800 | 5,371 |
| Average equity | $6,932,400 | 5,253 |
| Average total loans | $42,018,600 | 4,932 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3634% | 338 |
| Cost of funding earning assets | 0.3592% | 3,657 |
| Net interest margin | 5.0042% | 251 |
| Noninterest income to average assets | 0.6677% | 2,398 |
| Noninterest expense to average assets | 3.9384% | 710 |
| Loan and lease loss provision to assets | 0.1200% | 1,896 |
| Net operating income to assets | 0.9251% | 2,830 |
| Return on assets (ROA) | 1.0604% | 2,261 |
| Pretax return on assets | 1.0604% | 3,373 |
| Return on Equity (ROE) | 9.3791% | 2,367 |
| Retained earnings to average equity (ytd only) | -2.3738% | 5,890 |
| Net charge-offs to loans | 0.1505% | 1,630 |
| Credit loss provision to net charge-offs | 117.0213% | 2,031 |
| Earnings coverage of net charge-offs (x) | 10.1907% | 2,620 |
| Efficiency ratio | 79.0280% | 1,800 |
| Assets per employee ($millions) | 3.0287% | 5,513 |
| Cash dividends to net income (ytd only)* | 125.3094% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 5,502 |
| Loan loss allowance to noncurrent loans | 37.9610% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 1.6113% | 1,379 |
| Noncurrent loans to loans | 2.1241% | 1,059 |
| Net loans and leases to total assets | 71.0800% | 2,222 |
| Net loans and leases to deposits | 82.6823% | 2,568 |
| Net loans and leases to core deposits | 85.9213% | 2,860 |
| Total domestic deposits to total assets | 85.9676% | 2,537 |
| Equity capital to assets | 11.4224% | 2,559 |
| Core capital (leverage) ratio | 11.2481% | 2,250 |
| Tier 1 risk-based capital ratio | 16.2005% | 2,713 |
| Total risk-based capital ratio | 17.0336% | 2,840 |
| Memoranda: | ||
| Average total assets | $61,106,750 | 5,361 |
| Average earning assets | $52,701,500 | 5,434 |
| Average equity | $6,908,750 | 5,331 |
| Average total loans | $41,627,500 | 5,001 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 390 |
| Cost of funding earning assets | 0.3609% | 3,688 |
| Net interest margin | 4.8966% | 302 |
| Noninterest income to average assets | 0.6527% | 2,463 |
| Noninterest expense to average assets | 4.0500% | 639 |
| Loan and lease loss provision to assets | 0.1142% | 1,932 |
| Net operating income to assets | 0.6951% | 3,912 |
| Return on assets (ROA) | 0.8616% | 3,176 |
| Pretax return on assets | 0.8616% | 4,093 |
| Return on Equity (ROE) | 7.6463% | 3,241 |
| Retained earnings to average equity (ytd only) | -9.9923% | 6,180 |
| Net charge-offs to loans | -0.1657% | 5,965 |
| Credit loss provision to net charge-offs | -102.9412% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3445% | 1,334 |
| Assets per employee ($millions) | 2.9028% | 5,707 |
| Cash dividends to net income (ytd only)* | 230.6818% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 4,932 |
| Loan loss allowance to noncurrent loans | 48.4670% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.5059% | 1,631 |
| Noncurrent loans to loans | 2.0361% | 1,187 |
| Net loans and leases to total assets | 67.6487% | 2,693 |
| Net loans and leases to deposits | 77.1525% | 3,140 |
| Net loans and leases to core deposits | 80.0878% | 3,376 |
| Total domestic deposits to total assets | 87.6819% | 1,799 |
| Equity capital to assets | 11.0468% | 2,839 |
| Core capital (leverage) ratio | 10.7571% | 2,672 |
| Tier 1 risk-based capital ratio | 16.0687% | 2,820 |
| Total risk-based capital ratio | 17.0718% | 2,907 |
| Memoranda: | ||
| Average total assets | $61,284,330 | 5,413 |
| Average earning assets | $52,649,000 | 5,494 |
| Average equity | $6,905,330 | 5,375 |
| Average total loans | $41,034,670 | 5,069 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3195% | 345 |
| Cost of funding earning assets | 0.3648% | 3,695 |
| Net interest margin | 4.9547% | 268 |
| Noninterest income to average assets | 0.6965% | 2,174 |
| Noninterest expense to average assets | 4.0685% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8723% | 2,886 |
| Return on assets (ROA) | 1.1783% | 1,709 |
| Pretax return on assets | 1.1783% | 2,746 |
| Return on Equity (ROE) | 10.3562% | 1,846 |
| Retained earnings to average equity (ytd only) | -19.8541% | 6,271 |
| Net charge-offs to loans | -0.5205% | 6,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3452% | 1,578 |
| Assets per employee ($millions) | 2.8151% | 5,871 |
| Cash dividends to net income (ytd only)* | 291.7127% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 5,199 |
| Loan loss allowance to noncurrent loans | 48.5855% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.3499% | 1,973 |
| Noncurrent loans to loans | 1.9814% | 1,318 |
| Net loans and leases to total assets | 65.6155% | 2,836 |
| Net loans and leases to deposits | 74.7265% | 3,192 |
| Net loans and leases to core deposits | 77.5131% | 3,427 |
| Total domestic deposits to total assets | 87.8076% | 1,928 |
| Equity capital to assets | 10.9749% | 2,998 |
| Core capital (leverage) ratio | 10.8088% | 2,616 |
| Tier 1 risk-based capital ratio | 16.6123% | 2,632 |
| Total risk-based capital ratio | 17.6037% | 2,693 |
| Memoranda: | ||
| Average total assets | $61,447,000 | 5,465 |
| Average earning assets | $52,637,000 | 5,542 |
| Average equity | $6,991,000 | 5,404 |
| Average total loans | $40,727,500 | 5,119 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 469 |
| Cost of funding earning assets | 0.3971% | 3,723 |
| Net interest margin | 4.8646% | 381 |
| Noninterest income to average assets | 0.6949% | 2,327 |
| Noninterest expense to average assets | 3.9006% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9715% | 2,518 |
| Return on assets (ROA) | 1.0568% | 2,202 |
| Pretax return on assets | 1.0568% | 3,270 |
| Return on Equity (ROE) | 9.4091% | 2,386 |
| Retained earnings to average equity (ytd only) | 1.2603% | 5,212 |
| Net charge-offs to loans | 0.7644% | 469 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.9610% | 4,291 |
| Efficiency ratio | 80.0594% | 1,921 |
| Assets per employee ($millions) | 2.6505% | 6,061 |
| Cash dividends to net income (ytd only)* | 86.6058% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 5,642 |
| Loan loss allowance to noncurrent loans | 65.7692% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 2,865 |
| Noncurrent loans to loans | 1.2864% | 2,300 |
| Net loans and leases to total assets | 65.7475% | 2,933 |
| Net loans and leases to deposits | 75.5789% | 3,248 |
| Net loans and leases to core deposits | 78.4671% | 3,471 |
| Total domestic deposits to total assets | 86.9919% | 2,295 |
| Equity capital to assets | 11.7860% | 2,185 |
| Core capital (leverage) ratio | 11.3616% | 2,082 |
| Tier 1 risk-based capital ratio | 16.7666% | 2,615 |
| Total risk-based capital ratio | 17.5897% | 2,736 |
| Memoranda: | ||
| Average total assets | $62,170,000 | 5,497 |
| Average earning assets | $53,385,200 | 5,583 |
| Average equity | $6,982,600 | 5,419 |
| Average total loans | $40,292,400 | 5,174 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 510 |
| Cost of funding earning assets | 0.4041% | 3,747 |
| Net interest margin | 4.8051% | 421 |
| Noninterest income to average assets | 0.7043% | 2,312 |
| Noninterest expense to average assets | 3.7413% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0991% | 2,033 |
| Return on assets (ROA) | 1.1141% | 2,040 |
| Pretax return on assets | 1.1141% | 3,133 |
| Return on Equity (ROE) | 10.0401% | 2,204 |
| Retained earnings to average equity (ytd only) | -0.9041% | 5,950 |
| Net charge-offs to loans | 1.0929% | 265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.5606% | 4,128 |
| Efficiency ratio | 77.2928% | 2,303 |
| Assets per employee ($millions) | 2.4612% | 6,249 |
| Cash dividends to net income (ytd only)* | 109.0046% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 5,883 |
| Loan loss allowance to noncurrent loans | 61.6570% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 3,208 |
| Noncurrent loans to loans | 1.2906% | 2,483 |
| Net loans and leases to total assets | 64.8340% | 3,054 |
| Net loans and leases to deposits | 74.9460% | 3,317 |
| Net loans and leases to core deposits | 77.7929% | 3,556 |
| Total domestic deposits to total assets | 86.5076% | 2,586 |
| Equity capital to assets | 11.5161% | 2,468 |
| Core capital (leverage) ratio | 11.0361% | 2,457 |
| Tier 1 risk-based capital ratio | 16.1795% | 2,970 |
| Total risk-based capital ratio | 16.9375% | 3,163 |
| Memoranda: | ||
| Average total assets | $62,472,000 | 5,551 |
| Average earning assets | $53,775,250 | 5,641 |
| Average equity | $6,932,000 | 5,480 |
| Average total loans | $40,259,750 | 5,230 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1099% | 608 |
| Cost of funding earning assets | 0.4016% | 3,851 |
| Net interest margin | 4.7082% | 477 |
| Noninterest income to average assets | 0.7231% | 2,170 |
| Noninterest expense to average assets | 3.7907% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9652% | 2,476 |
| Return on assets (ROA) | 0.9843% | 2,468 |
| Pretax return on assets | 0.9843% | 3,538 |
| Return on Equity (ROE) | 8.9817% | 2,609 |
| Retained earnings to average equity (ytd only) | -7.5574% | 6,357 |
| Net charge-offs to loans | 1.6834% | 148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.8938% | 3,945 |
| Efficiency ratio | 79.7053% | 2,058 |
| Assets per employee ($millions) | 2.5263% | 6,275 |
| Cash dividends to net income (ytd only)* | 184.1424% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 6,037 |
| Loan loss allowance to noncurrent loans | 54.1812% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 3,272 |
| Noncurrent loans to loans | 1.4300% | 2,415 |
| Net loans and leases to total assets | 63.0641% | 3,227 |
| Net loans and leases to deposits | 71.6960% | 3,611 |
| Net loans and leases to core deposits | 74.2972% | 3,807 |
| Total domestic deposits to total assets | 87.9604% | 1,924 |
| Equity capital to assets | 10.8743% | 3,007 |
| Core capital (leverage) ratio | 10.6239% | 2,797 |
| Tier 1 risk-based capital ratio | 15.5716% | 3,314 |
| Total risk-based capital ratio | 16.3032% | 3,552 |
| Memoranda: | ||
| Average total assets | $62,785,670 | 5,592 |
| Average earning assets | $53,778,330 | 5,693 |
| Average equity | $6,880,670 | 5,515 |
| Average total loans | $40,275,330 | 5,261 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 478 |
| Cost of funding earning assets | 0.4005% | 3,963 |
| Net interest margin | 4.8063% | 374 |
| Noninterest income to average assets | 0.7732% | 1,861 |
| Noninterest expense to average assets | 3.8850% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0288% | 2,087 |
| Return on assets (ROA) | 1.0671% | 2,012 |
| Pretax return on assets | 1.0671% | 3,047 |
| Return on Equity (ROE) | 9.6994% | 2,154 |
| Retained earnings to average equity (ytd only) | -18.5857% | 6,513 |
| Net charge-offs to loans | -0.1586% | 6,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0637% | 2,328 |
| Assets per employee ($millions) | 2.5017% | 6,363 |
| Cash dividends to net income (ytd only)* | 291.6168% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 2,509 |
| Loan loss allowance to noncurrent loans | 123.3333% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.8634% | 3,569 |
| Noncurrent loans to loans | 1.3383% | 2,802 |
| Net loans and leases to total assets | 63.4491% | 2,990 |
| Net loans and leases to deposits | 72.0487% | 3,331 |
| Net loans and leases to core deposits | 74.6805% | 3,570 |
| Total domestic deposits to total assets | 88.0642% | 2,200 |
| Equity capital to assets | 10.8198% | 2,913 |
| Core capital (leverage) ratio | 10.4821% | 2,955 |
| Tier 1 risk-based capital ratio | 15.2629% | 3,568 |
| Total risk-based capital ratio | 16.5173% | 3,520 |
| Memoranda: | ||
| Average total assets | $62,599,500 | 5,653 |
| Average earning assets | $53,929,000 | 5,737 |
| Average equity | $6,887,000 | 5,546 |
| Average total loans | $40,342,500 | 5,308 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2238% | 607 |
| Cost of funding earning assets | 0.4356% | 4,259 |
| Net interest margin | 4.7882% | 443 |
| Noninterest income to average assets | 0.6829% | 2,637 |
| Noninterest expense to average assets | 3.7834% | 1,165 |
| Loan and lease loss provision to assets | 0.0615% | 3,908 |
| Net operating income to assets | 0.9628% | 2,505 |
| Return on assets (ROA) | 0.9858% | 2,461 |
| Pretax return on assets | 0.9858% | 3,410 |
| Return on Equity (ROE) | 9.1368% | 2,473 |
| Retained earnings to average equity (ytd only) | 1.0405% | 5,374 |
| Net charge-offs to loans | -0.1302% | 6,538 |
| Credit loss provision to net charge-offs | -76.9231% | 5,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6948% | 2,362 |
| Assets per employee ($millions) | 2.4098% | 6,456 |
| Cash dividends to net income (ytd only)* | 88.6115% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 2,712 |
| Loan loss allowance to noncurrent loans | 88.3152% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.1747% | 3,053 |
| Noncurrent loans to loans | 1.8247% | 2,206 |
| Net loans and leases to total assets | 63.3395% | 3,157 |
| Net loans and leases to deposits | 72.2049% | 3,496 |
| Net loans and leases to core deposits | 74.8439% | 3,754 |
| Total domestic deposits to total assets | 87.7218% | 2,354 |
| Equity capital to assets | 11.1833% | 2,442 |
| Core capital (leverage) ratio | 10.8496% | 2,526 |
| Tier 1 risk-based capital ratio | 15.8966% | 3,148 |
| Total risk-based capital ratio | 17.1493% | 3,104 |
| Memoranda: | ||
| Average total assets | $65,021,400 | 5,620 |
| Average earning assets | $56,012,600 | 5,702 |
| Average equity | $7,015,600 | 5,565 |
| Average total loans | $39,951,600 | 5,350 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1499% | 712 |
| Cost of funding earning assets | 0.4439% | 4,342 |
| Net interest margin | 4.7060% | 509 |
| Noninterest income to average assets | 0.6279% | 3,005 |
| Noninterest expense to average assets | 3.4830% | 1,644 |
| Loan and lease loss provision to assets | 0.0813% | 3,437 |
| Net operating income to assets | 1.1136% | 1,960 |
| Return on assets (ROA) | 1.1400% | 1,926 |
| Pretax return on assets | 1.1400% | 2,947 |
| Return on Equity (ROE) | 10.6584% | 1,937 |
| Retained earnings to average equity (ytd only) | -0.1329% | 5,962 |
| Net charge-offs to loans | -0.2442% | 6,688 |
| Credit loss provision to net charge-offs | -54.7945% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4570% | 2,989 |
| Assets per employee ($millions) | 2.2790% | 6,606 |
| Cash dividends to net income (ytd only)* | 101.2474% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 2,716 |
| Loan loss allowance to noncurrent loans | 137.7823% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 4,199 |
| Noncurrent loans to loans | 1.2148% | 3,388 |
| Net loans and leases to total assets | 61.7746% | 3,403 |
| Net loans and leases to deposits | 70.8198% | 3,666 |
| Net loans and leases to core deposits | 73.3691% | 3,923 |
| Total domestic deposits to total assets | 87.2279% | 2,551 |
| Equity capital to assets | 10.8022% | 2,949 |
| Core capital (leverage) ratio | 10.5764% | 2,919 |
| Tier 1 risk-based capital ratio | 15.7200% | 3,340 |
| Total risk-based capital ratio | 16.9735% | 3,292 |
| Memoranda: | ||
| Average total assets | $65,612,750 | 5,663 |
| Average earning assets | $56,466,000 | 5,752 |
| Average equity | $7,017,750 | 5,630 |
| Average total loans | $39,855,500 | 5,403 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1266% | 734 |
| Cost of funding earning assets | 0.4580% | 4,340 |
| Net interest margin | 4.6685% | 536 |
| Noninterest income to average assets | 0.6222% | 3,063 |
| Noninterest expense to average assets | 3.4434% | 1,730 |
| Loan and lease loss provision to assets | 0.1208% | 2,813 |
| Net operating income to assets | 1.0602% | 2,077 |
| Return on assets (ROA) | 1.0602% | 2,193 |
| Pretax return on assets | 1.0602% | 3,259 |
| Return on Equity (ROE) | 9.9443% | 2,219 |
| Retained earnings to average equity (ytd only) | -6.1479% | 6,524 |
| Net charge-offs to loans | -0.3972% | 6,798 |
| Credit loss provision to net charge-offs | -50.6329% | 5,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4611% | 3,036 |
| Assets per employee ($millions) | 2.5379% | 6,463 |
| Cash dividends to net income (ytd only)* | 161.8234% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 2,782 |
| Loan loss allowance to noncurrent loans | 327.0531% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 5,211 |
| Noncurrent loans to loans | 0.5193% | 4,969 |
| Net loans and leases to total assets | 59.3847% | 3,763 |
| Net loans and leases to deposits | 67.0230% | 4,144 |
| Net loans and leases to core deposits | 69.3123% | 4,351 |
| Total domestic deposits to total assets | 88.6035% | 1,848 |
| Equity capital to assets | 10.3660% | 3,474 |
| Core capital (leverage) ratio | 10.0021% | 3,514 |
| Tier 1 risk-based capital ratio | 14.9840% | 3,785 |
| Total risk-based capital ratio | 16.2372% | 3,753 |
| Memoranda: | ||
| Average total assets | $66,213,330 | 5,683 |
| Average earning assets | $56,763,000 | 5,782 |
| Average equity | $7,059,330 | 5,668 |
| Average total loans | $39,777,330 | 5,431 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 730 |
| Cost of funding earning assets | 0.4710% | 4,362 |
| Net interest margin | 4.6394% | 529 |
| Noninterest income to average assets | 0.7237% | 2,463 |
| Noninterest expense to average assets | 3.4556% | 1,710 |
| Loan and lease loss provision to assets | 0.1809% | 2,050 |
| Net operating income to assets | 1.0674% | 1,970 |
| Return on assets (ROA) | 1.0674% | 2,083 |
| Pretax return on assets | 1.0674% | 3,086 |
| Return on Equity (ROE) | 9.8759% | 2,109 |
| Retained earnings to average equity (ytd only) | -17.2967% | 6,796 |
| Net charge-offs to loans | -0.5235% | 6,858 |
| Credit loss provision to net charge-offs | -57.6923% | 5,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4615% | 3,360 |
| Assets per employee ($millions) | 2.2898% | 6,724 |
| Cash dividends to net income (ytd only)* | 275.1412% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 3,300 |
| Loan loss allowance to noncurrent loans | 274.6781% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 5,071 |
| Noncurrent loans to loans | 0.5914% | 4,957 |
| Net loans and leases to total assets | 58.3715% | 3,727 |
| Net loans and leases to deposits | 66.0121% | 4,052 |
| Net loans and leases to core deposits | 67.8934% | 4,311 |
| Total domestic deposits to total assets | 88.4254% | 2,050 |
| Equity capital to assets | 10.6003% | 3,433 |
| Core capital (leverage) ratio | 9.8457% | 3,604 |
| Tier 1 risk-based capital ratio | 14.8156% | 3,955 |
| Total risk-based capital ratio | 16.0679% | 3,921 |
| Memoranda: | ||
| Average total assets | $66,327,500 | 5,730 |
| Average earning assets | $56,903,500 | 5,828 |
| Average equity | $7,169,000 | 5,698 |
| Average total loans | $39,735,000 | 5,477 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 800 |
| Cost of funding earning assets | 0.6175% | 4,198 |
| Net interest margin | 4.7562% | 586 |
| Noninterest income to average assets | 0.6716% | 2,874 |
| Noninterest expense to average assets | 3.7017% | 1,407 |
| Loan and lease loss provision to assets | 0.3595% | 1,848 |
| Net operating income to assets | 0.7421% | 3,545 |
| Return on assets (ROA) | 0.9678% | 2,706 |
| Pretax return on assets | 0.9678% | 3,666 |
| Return on Equity (ROE) | 9.2677% | 2,505 |
| Retained earnings to average equity (ytd only) | 2.5476% | 4,434 |
| Net charge-offs to loans | 0.3931% | 2,682 |
| Credit loss provision to net charge-offs | 157.2327% | 1,708 |
| Earnings coverage of net charge-offs (x) | 4.8176% | 3,240 |
| Efficiency ratio | 77.0659% | 2,583 |
| Assets per employee ($millions) | 2.2845% | 6,785 |
| Cash dividends to net income (ytd only)* | 72.5111% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 4,202 |
| Loan loss allowance to noncurrent loans | 244.7368% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 5,291 |
| Noncurrent loans to loans | 0.5690% | 5,108 |
| Net loans and leases to total assets | 59.6383% | 3,666 |
| Net loans and leases to deposits | 67.7591% | 4,017 |
| Net loans and leases to core deposits | 69.6991% | 4,355 |
| Total domestic deposits to total assets | 88.0153% | 2,228 |
| Equity capital to assets | 11.0172% | 2,929 |
| Core capital (leverage) ratio | 10.1437% | 3,212 |
| Tier 1 risk-based capital ratio | 15.3311% | 3,523 |
| Total risk-based capital ratio | 16.5814% | 3,480 |
| Memoranda: | ||
| Average total assets | $69,536,000 | 5,642 |
| Average earning assets | $60,406,000 | 5,733 |
| Average equity | $7,261,800 | 5,693 |
| Average total loans | $40,451,200 | 5,485 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 804 |
| Cost of funding earning assets | 0.6419% | 4,267 |
| Net interest margin | 4.7728% | 583 |
| Noninterest income to average assets | 0.6500% | 2,994 |
| Noninterest expense to average assets | 3.4850% | 1,796 |
| Loan and lease loss provision to assets | 0.2085% | 2,989 |
| Net operating income to assets | 1.0991% | 2,088 |
| Return on assets (ROA) | 1.3966% | 1,355 |
| Pretax return on assets | 1.3966% | 2,249 |
| Return on Equity (ROE) | 13.5490% | 1,210 |
| Retained earnings to average equity (ytd only) | 4.5776% | 3,681 |
| Net charge-offs to loans | 0.0921% | 4,453 |
| Credit loss provision to net charge-offs | 392.8571% | 686 |
| Earnings coverage of net charge-offs (x) | 24.6445% | 1,270 |
| Efficiency ratio | 72.7165% | 3,196 |
| Assets per employee ($millions) | 2.3181% | 6,844 |
| Cash dividends to net income (ytd only)* | 66.2145% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,573 |
| Loan loss allowance to noncurrent loans | 212.7907% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 5,674 |
| Noncurrent loans to loans | 0.6350% | 5,174 |
| Net loans and leases to total assets | 59.6275% | 3,851 |
| Net loans and leases to deposits | 67.7908% | 4,217 |
| Net loans and leases to core deposits | 69.6992% | 4,532 |
| Total domestic deposits to total assets | 87.9582% | 2,068 |
| Equity capital to assets | 11.0407% | 3,221 |
| Core capital (leverage) ratio | 10.0674% | 3,446 |
| Tier 1 risk-based capital ratio | 15.4927% | 3,539 |
| Total risk-based capital ratio | 16.7309% | 3,511 |
| Memoranda: | ||
| Average total assets | $70,357,250 | 5,684 |
| Average earning assets | $61,067,250 | 5,764 |
| Average equity | $7,252,500 | 5,757 |
| Average total loans | $40,546,750 | 5,547 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4065% | 860 |
| Cost of funding earning assets | 0.6508% | 4,436 |
| Net interest margin | 4.7557% | 607 |
| Noninterest income to average assets | 0.6274% | 3,086 |
| Noninterest expense to average assets | 3.4397% | 1,936 |
| Loan and lease loss provision to assets | 0.2801% | 2,342 |
| Net operating income to assets | 1.0420% | 2,286 |
| Return on assets (ROA) | 1.0840% | 2,329 |
| Pretax return on assets | 1.0840% | 3,362 |
| Return on Equity (ROE) | 10.7560% | 2,074 |
| Retained earnings to average equity (ytd only) | -2.8071% | 6,446 |
| Net charge-offs to loans | -0.0346% | 6,567 |
| Credit loss provision to net charge-offs | -1,428.5714% | 6,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2353% | 3,386 |
| Assets per employee ($millions) | 2.5153% | 6,751 |
| Cash dividends to net income (ytd only)* | 126.0982% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 4,389 |
| Loan loss allowance to noncurrent loans | 28,700.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 6,669 |
| Noncurrent loans to loans | 0.0049% | 6,709 |
| Net loans and leases to total assets | 56.6798% | 4,367 |
| Net loans and leases to deposits | 63.8326% | 4,784 |
| Net loans and leases to core deposits | 64.9935% | 5,109 |
| Total domestic deposits to total assets | 88.7944% | 1,641 |
| Equity capital to assets | 10.2784% | 3,963 |
| Core capital (leverage) ratio | 9.0506% | 4,838 |
| Tier 1 risk-based capital ratio | 14.3590% | 4,204 |
| Total risk-based capital ratio | 15.6101% | 4,163 |
| Memoranda: | ||
| Average total assets | $71,401,670 | 5,684 |
| Average earning assets | $62,073,000 | 5,764 |
| Average equity | $7,196,000 | 5,786 |
| Average total loans | $40,518,000 | 5,578 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4494% | 835 |
| Cost of funding earning assets | 0.6779% | 4,485 |
| Net interest margin | 4.7714% | 603 |
| Noninterest income to average assets | 0.6399% | 2,989 |
| Noninterest expense to average assets | 3.3274% | 2,209 |
| Loan and lease loss provision to assets | 0.5564% | 1,043 |
| Net operating income to assets | 0.8680% | 3,061 |
| Return on assets (ROA) | 0.8680% | 3,291 |
| Pretax return on assets | 0.8680% | 4,163 |
| Return on Equity (ROE) | 8.6975% | 2,949 |
| Retained earnings to average equity (ytd only) | -13.9383% | 6,953 |
| Net charge-offs to loans | -0.4836% | 7,145 |
| Credit loss provision to net charge-offs | -204.0816% | 5,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0234% | 3,802 |
| Assets per employee ($millions) | 2.5873% | 6,760 |
| Cash dividends to net income (ytd only)* | 260.2564% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 4,011 |
| Loan loss allowance to noncurrent loans | 331.1828% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 6,111 |
| Noncurrent loans to loans | 0.4634% | 5,750 |
| Net loans and leases to total assets | 54.5539% | 4,629 |
| Net loans and leases to deposits | 61.0608% | 5,037 |
| Net loans and leases to core deposits | 62.1302% | 5,310 |
| Total domestic deposits to total assets | 89.3435% | 1,456 |
| Equity capital to assets | 9.7924% | 4,387 |
| Core capital (leverage) ratio | 8.8155% | 5,114 |
| Tier 1 risk-based capital ratio | 14.0373% | 4,445 |
| Total risk-based capital ratio | 15.2890% | 4,410 |
| Memoranda: | ||
| Average total assets | $71,888,000 | 5,716 |
| Average earning assets | $61,952,000 | 5,810 |
| Average equity | $7,174,500 | 5,814 |
| Average total loans | $40,530,500 | 5,620 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7891% | 657 |
| Cost of funding earning assets | 0.8289% | 4,637 |
| Net interest margin | 4.9602% | 445 |
| Noninterest income to average assets | 0.8195% | 1,963 |
| Noninterest expense to average assets | 3.7155% | 1,510 |
| Loan and lease loss provision to assets | 0.2945% | 3,309 |
| Net operating income to assets | 0.9987% | 2,202 |
| Return on assets (ROA) | 1.0417% | 2,181 |
| Pretax return on assets | 1.0417% | 3,068 |
| Return on Equity (ROE) | 10.8702% | 1,738 |
| Retained earnings to average equity (ytd only) | 4.9858% | 2,648 |
| Net charge-offs to loans | 1.2304% | 1,360 |
| Credit loss provision to net charge-offs | 41.7323% | 5,599 |
| Earnings coverage of net charge-offs (x) | 1.8327% | 4,403 |
| Efficiency ratio | 74.1819% | 3,205 |
| Assets per employee ($millions) | 2.5476% | 6,787 |
| Cash dividends to net income (ytd only)* | 54.1333% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 5,662 |
| Loan loss allowance to noncurrent loans | 402.5862% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 4,901 |
| Noncurrent loans to loans | 0.2835% | 6,159 |
| Net loans and leases to total assets | 56.7165% | 4,592 |
| Net loans and leases to deposits | 63.7660% | 5,041 |
| Net loans and leases to core deposits | 64.9015% | 5,372 |
| Total domestic deposits to total assets | 88.9447% | 1,573 |
| Equity capital to assets | 10.1708% | 3,943 |
| Core capital (leverage) ratio | 9.1976% | 4,473 |
| Tier 1 risk-based capital ratio | 14.3501% | 4,081 |
| Total risk-based capital ratio | 15.3624% | 4,198 |
| Memoranda: | ||
| Average total assets | $71,996,200 | 5,691 |
| Average earning assets | $60,803,400 | 5,843 |
| Average equity | $6,899,600 | 5,891 |
| Average total loans | $41,288,200 | 5,628 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8228% | 672 |
| Cost of funding earning assets | 0.8538% | 4,746 |
| Net interest margin | 4.9690% | 440 |
| Noninterest income to average assets | 0.8665% | 1,766 |
| Noninterest expense to average assets | 3.5475% | 1,816 |
| Loan and lease loss provision to assets | 0.3917% | 2,508 |
| Net operating income to assets | 1.1104% | 1,930 |
| Return on assets (ROA) | 1.1677% | 1,869 |
| Pretax return on assets | 1.1677% | 2,753 |
| Return on Equity (ROE) | 12.3724% | 1,447 |
| Retained earnings to average equity (ytd only) | 4.4243% | 3,577 |
| Net charge-offs to loans | 0.9634% | 1,672 |
| Credit loss provision to net charge-offs | 70.9030% | 4,457 |
| Earnings coverage of net charge-offs (x) | 2.7190% | 3,768 |
| Efficiency ratio | 70.2525% | 3,917 |
| Assets per employee ($millions) | 2.6745% | 6,687 |
| Cash dividends to net income (ytd only)* | 64.2402% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 3,457 |
| Loan loss allowance to noncurrent loans | 1,057.8125% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 5,216 |
| Noncurrent loans to loans | 0.1557% | 6,560 |
| Net loans and leases to total assets | 55.9948% | 4,846 |
| Net loans and leases to deposits | 62.8742% | 5,306 |
| Net loans and leases to core deposits | 63.9734% | 5,616 |
| Total domestic deposits to total assets | 89.0586% | 1,396 |
| Equity capital to assets | 10.0122% | 4,325 |
| Core capital (leverage) ratio | 8.9898% | 4,949 |
| Tier 1 risk-based capital ratio | 14.0350% | 4,332 |
| Total risk-based capital ratio | 15.2871% | 4,301 |
| Memoranda: | ||
| Average total assets | $72,162,250 | 5,731 |
| Average earning assets | $60,748,250 | 5,878 |
| Average equity | $6,810,750 | 5,964 |
| Average total loans | $41,379,250 | 5,671 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9092% | 569 |
| Cost of funding earning assets | 0.8654% | 4,946 |
| Net interest margin | 5.0438% | 371 |
| Noninterest income to average assets | 0.7845% | 2,094 |
| Noninterest expense to average assets | 3.7147% | 1,504 |
| Loan and lease loss provision to assets | 0.1663% | 4,268 |
| Net operating income to assets | 1.1366% | 1,769 |
| Return on assets (ROA) | 1.2225% | 1,584 |
| Pretax return on assets | 1.2225% | 2,395 |
| Return on Equity (ROE) | 13.2214% | 1,152 |
| Retained earnings to average equity (ytd only) | 3.4777% | 4,038 |
| Net charge-offs to loans | 0.1495% | 4,292 |
| Credit loss provision to net charge-offs | 193.5484% | 1,558 |
| Earnings coverage of net charge-offs (x) | 15.1613% | 1,423 |
| Efficiency ratio | 74.0331% | 3,356 |
| Assets per employee ($millions) | 2.7060% | 6,635 |
| Cash dividends to net income (ytd only)* | 73.6961% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 2,610 |
| Loan loss allowance to noncurrent loans | 80.0809% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 2.0380% | 3,186 |
| Noncurrent loans to loans | 2.3981% | 2,993 |
| Net loans and leases to total assets | 55.3626% | 5,093 |
| Net loans and leases to deposits | 61.7655% | 5,529 |
| Net loans and leases to core deposits | 62.8217% | 5,824 |
| Total domestic deposits to total assets | 89.6335% | 1,167 |
| Equity capital to assets | 9.4755% | 4,847 |
| Core capital (leverage) ratio | 8.8329% | 4,999 |
| Tier 1 risk-based capital ratio | 13.7566% | 4,331 |
| Total risk-based capital ratio | 15.0113% | 4,308 |
| Memoranda: | ||
| Average total assets | $72,145,670 | 5,777 |
| Average earning assets | $60,549,330 | 5,937 |
| Average equity | $6,671,000 | 6,024 |
| Average total loans | $41,468,330 | 5,734 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9736% | 496 |
| Cost of funding earning assets | 0.8705% | 5,132 |
| Net interest margin | 5.1032% | 306 |
| Noninterest income to average assets | 0.6194% | 3,040 |
| Noninterest expense to average assets | 3.8333% | 1,285 |
| Loan and lease loss provision to assets | 0.6138% | 1,397 |
| Net operating income to assets | 0.4575% | 4,675 |
| Return on assets (ROA) | 0.4575% | 4,764 |
| Pretax return on assets | 0.4575% | 5,160 |
| Return on Equity (ROE) | 5.0115% | 4,400 |
| Retained earnings to average equity (ytd only) | -14.8510% | 7,035 |
| Net charge-offs to loans | -0.5579% | 7,423 |
| Credit loss provision to net charge-offs | -189.6552% | 5,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1570% | 2,824 |
| Assets per employee ($millions) | 2.5941% | 6,853 |
| Cash dividends to net income (ytd only)* | 396.3415% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2412% | 1,876 |
| Loan loss allowance to noncurrent loans | 6,650.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 5,357 |
| Noncurrent loans to loans | 0.0337% | 6,971 |
| Net loans and leases to total assets | 55.9089% | 5,008 |
| Net loans and leases to deposits | 61.9357% | 5,504 |
| Net loans and leases to core deposits | 62.7249% | 5,850 |
| Total domestic deposits to total assets | 90.2693% | 976 |
| Equity capital to assets | 8.8785% | 5,381 |
| Core capital (leverage) ratio | 8.4277% | 5,579 |
| Tier 1 risk-based capital ratio | 13.0731% | 4,771 |
| Total risk-based capital ratio | 14.3318% | 4,746 |
| Memoranda: | ||
| Average total assets | $71,687,500 | 5,826 |
| Average earning assets | $60,198,000 | 5,990 |
| Average equity | $6,545,000 | 6,077 |
| Average total loans | $41,582,000 | 5,783 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1588% | 623 |
| Cost of funding earning assets | 1.0840% | 5,227 |
| Net interest margin | 5.0748% | 373 |
| Noninterest income to average assets | 0.6990% | 2,848 |
| Noninterest expense to average assets | 3.9094% | 1,306 |
| Loan and lease loss provision to assets | 0.3152% | 4,282 |
| Net operating income to assets | 0.7760% | 2,894 |
| Return on assets (ROA) | 0.7816% | 3,007 |
| Pretax return on assets | 0.7816% | 3,691 |
| Return on Equity (ROE) | 8.4143% | 2,529 |
| Retained earnings to average equity (ytd only) | 2.9103% | 3,820 |
| Net charge-offs to loans | 0.2802% | 4,621 |
| Credit loss provision to net charge-offs | 187.5000% | 1,733 |
| Earnings coverage of net charge-offs (x) | 6.4917% | 2,347 |
| Efficiency ratio | 78.1793% | 2,678 |
| Assets per employee ($millions) | 2.4393% | 7,088 |
| Cash dividends to net income (ytd only)* | 65.4122% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,734 |
| Loan loss allowance to noncurrent loans | 727.6190% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 5,008 |
| Noncurrent loans to loans | 0.2523% | 6,559 |
| Net loans and leases to total assets | 57.7602% | 5,060 |
| Net loans and leases to deposits | 64.3753% | 5,585 |
| Net loans and leases to core deposits | 65.2189% | 5,951 |
| Total domestic deposits to total assets | 89.7242% | 1,256 |
| Equity capital to assets | 9.3880% | 4,561 |
| Core capital (leverage) ratio | 8.7961% | 4,866 |
| Tier 1 risk-based capital ratio | 13.7937% | 3,996 |
| Total risk-based capital ratio | 15.0487% | 3,975 |
| Memoranda: | ||
| Average total assets | $71,392,400 | 5,844 |
| Average earning assets | $60,514,600 | 5,979 |
| Average equity | $6,631,600 | 6,157 |
| Average total loans | $42,829,400 | 5,801 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1683% | 659 |
| Cost of funding earning assets | 1.1227% | 5,304 |
| Net interest margin | 5.0456% | 392 |
| Noninterest income to average assets | 0.6894% | 2,881 |
| Noninterest expense to average assets | 3.5775% | 1,841 |
| Loan and lease loss provision to assets | 0.4006% | 3,498 |
| Net operating income to assets | 0.9987% | 2,239 |
| Return on assets (ROA) | 0.9987% | 2,356 |
| Pretax return on assets | 0.9987% | 3,189 |
| Return on Equity (ROE) | 10.7803% | 1,853 |
| Retained earnings to average equity (ytd only) | 3.4392% | 4,033 |
| Net charge-offs to loans | 0.3771% | 3,794 |
| Credit loss provision to net charge-offs | 176.2295% | 2,088 |
| Earnings coverage of net charge-offs (x) | 6.1558% | 2,586 |
| Efficiency ratio | 71.8832% | 3,720 |
| Assets per employee ($millions) | 2.3742% | 7,224 |
| Cash dividends to net income (ytd only)* | 68.0963% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 2,904 |
| Loan loss allowance to noncurrent loans | 1,472.5490% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 5,117 |
| Noncurrent loans to loans | 0.1201% | 6,946 |
| Net loans and leases to total assets | 58.5621% | 5,173 |
| Net loans and leases to deposits | 65.5005% | 5,717 |
| Net loans and leases to core deposits | 66.3517% | 6,096 |
| Total domestic deposits to total assets | 89.4071% | 1,171 |
| Equity capital to assets | 9.6508% | 4,618 |
| Core capital (leverage) ratio | 8.7457% | 5,110 |
| Tier 1 risk-based capital ratio | 13.6147% | 4,109 |
| Total risk-based capital ratio | 14.8684% | 4,055 |
| Memoranda: | ||
| Average total assets | $71,555,750 | 5,900 |
| Average earning assets | $60,803,750 | 6,032 |
| Average equity | $6,629,250 | 6,227 |
| Average total loans | $43,131,000 | 5,865 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1632% | 667 |
| Cost of funding earning assets | 1.1611% | 5,337 |
| Net interest margin | 5.0021% | 417 |
| Noninterest income to average assets | 0.6782% | 2,830 |
| Noninterest expense to average assets | 3.5136% | 1,998 |
| Loan and lease loss provision to assets | 0.5721% | 2,486 |
| Net operating income to assets | 0.8484% | 2,737 |
| Return on assets (ROA) | 0.8484% | 2,890 |
| Pretax return on assets | 0.8484% | 3,712 |
| Return on Equity (ROE) | 9.2857% | 2,356 |
| Retained earnings to average equity (ytd only) | -1.8633% | 6,125 |
| Net charge-offs to loans | 0.7566% | 2,351 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 3.1037% | 3,453 |
| Efficiency ratio | 71.2104% | 3,951 |
| Assets per employee ($millions) | 2.3767% | 7,258 |
| Cash dividends to net income (ytd only)* | 120.0658% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,317 |
| Loan loss allowance to noncurrent loans | 34,950.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 5,166 |
| Noncurrent loans to loans | 0.0047% | 7,328 |
| Net loans and leases to total assets | 59.1501% | 5,220 |
| Net loans and leases to deposits | 65.8423% | 5,823 |
| Net loans and leases to core deposits | 66.6888% | 6,192 |
| Total domestic deposits to total assets | 89.8359% | 1,000 |
| Equity capital to assets | 9.2440% | 5,090 |
| Core capital (leverage) ratio | 8.3676% | 5,639 |
| Tier 1 risk-based capital ratio | 13.0676% | 4,383 |
| Total risk-based capital ratio | 14.3217% | 4,336 |
| Memoranda: | ||
| Average total assets | $71,665,330 | 5,928 |
| Average earning assets | $60,974,330 | 6,064 |
| Average equity | $6,547,670 | 6,287 |
| Average total loans | $43,353,670 | 5,893 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1837% | 661 |
| Cost of funding earning assets | 1.2197% | 5,286 |
| Net interest margin | 4.9640% | 448 |
| Noninterest income to average assets | 0.6402% | 2,993 |
| Noninterest expense to average assets | 3.2290% | 2,764 |
| Loan and lease loss provision to assets | 0.4175% | 2,871 |
| Net operating income to assets | 1.2081% | 1,522 |
| Return on assets (ROA) | 1.2081% | 1,593 |
| Pretax return on assets | 1.2081% | 2,339 |
| Return on Equity (ROE) | 13.3006% | 1,194 |
| Retained earnings to average equity (ytd only) | -4.1067% | 6,508 |
| Net charge-offs to loans | 0.2477% | 3,457 |
| Credit loss provision to net charge-offs | 277.7778% | 1,426 |
| Earnings coverage of net charge-offs (x) | 10.8148% | 1,709 |
| Efficiency ratio | 66.5138% | 5,003 |
| Assets per employee ($millions) | 2.4940% | 7,205 |
| Cash dividends to net income (ytd only)* | 130.8756% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 3,346 |
| Loan loss allowance to noncurrent loans | 7,060.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 5,041 |
| Noncurrent loans to loans | 0.0230% | 7,356 |
| Net loans and leases to total assets | 59.1024% | 5,270 |
| Net loans and leases to deposits | 65.5991% | 5,866 |
| Net loans and leases to core deposits | 66.4237% | 6,253 |
| Total domestic deposits to total assets | 90.0964% | 938 |
| Equity capital to assets | 9.0284% | 5,237 |
| Core capital (leverage) ratio | 8.3932% | 5,577 |
| Tier 1 risk-based capital ratio | 13.0050% | 4,329 |
| Total risk-based capital ratio | 14.2588% | 4,301 |
| Memoranda: | ||
| Average total assets | $71,848,000 | 5,998 |
| Average earning assets | $60,999,500 | 6,131 |
| Average equity | $6,526,000 | 6,338 |
| Average total loans | $43,594,000 | 5,956 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5710% | 579 |
| Cost of funding earning assets | 1.5361% | 5,354 |
| Net interest margin | 5.0350% | 415 |
| Noninterest income to average assets | 0.7913% | 2,448 |
| Noninterest expense to average assets | 3.4607% | 2,492 |
| Loan and lease loss provision to assets | 0.8481% | 2,615 |
| Net operating income to assets | 0.6294% | 3,223 |
| Return on assets (ROA) | 0.6549% | 3,168 |
| Pretax return on assets | 0.9092% | 2,895 |
| Return on Equity (ROE) | 7.5638% | 2,558 |
| Retained earnings to average equity (ytd only) | 6.2348% | 1,259 |
| Net charge-offs to loans | 0.8415% | 2,725 |
| Credit loss provision to net charge-offs | 157.5198% | 2,851 |
| Earnings coverage of net charge-offs (x) | 3.1979% | 3,457 |
| Efficiency ratio | 66.7763% | 5,231 |
| Assets per employee ($millions) | 2.3790% | 7,381 |
| Cash dividends to net income (ytd only)* | 17.5705% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 3,685 |
| Loan loss allowance to noncurrent loans | 813.5802% | 424 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 4,766 |
| Noncurrent loans to loans | 0.1852% | 6,959 |
| Net loans and leases to total assets | 60.3567% | 5,280 |
| Net loans and leases to deposits | 67.1049% | 5,931 |
| Net loans and leases to core deposits | 78.8086% | 6,195 |
| Total domestic deposits to total assets | 89.9438% | 990 |
| Equity capital to assets | 9.1384% | 4,932 |
| Core capital (leverage) ratio | 8.6143% | 5,073 |
| Tier 1 risk-based capital ratio | 13.0693% | 4,097 |
| Total risk-based capital ratio | 14.3216% | 4,043 |
| Memoranda: | ||
| Average total assets | $70,390,000 | 5,989 |
| Average earning assets | $61,390,600 | 6,083 |
| Average equity | $6,094,800 | 6,574 |
| Average total loans | $45,039,000 | 5,868 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6292% | 584 |
| Cost of funding earning assets | 1.5948% | 5,426 |
| Net interest margin | 5.0344% | 413 |
| Noninterest income to average assets | 0.7850% | 2,512 |
| Noninterest expense to average assets | 3.3320% | 2,797 |
| Loan and lease loss provision to assets | 1.1348% | 1,721 |
| Net operating income to assets | 0.3992% | 4,405 |
| Return on assets (ROA) | 0.4296% | 4,378 |
| Pretax return on assets | 0.7698% | 3,626 |
| Return on Equity (ROE) | 5.0322% | 3,954 |
| Retained earnings to average equity (ytd only) | 3.2286% | 3,514 |
| Net charge-offs to loans | 0.7054% | 2,583 |
| Credit loss provision to net charge-offs | 248.7500% | 1,738 |
| Earnings coverage of net charge-offs (x) | 4.0708% | 3,276 |
| Efficiency ratio | 64.2125% | 5,701 |
| Assets per employee ($millions) | 2.2646% | 7,535 |
| Cash dividends to net income (ytd only)* | 35.8411% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 2,408 |
| Loan loss allowance to noncurrent loans | 251.4196% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5199% | 4,087 |
| Noncurrent loans to loans | 0.7005% | 5,896 |
| Net loans and leases to total assets | 63.3278% | 5,012 |
| Net loans and leases to deposits | 70.3193% | 5,873 |
| Net loans and leases to core deposits | 81.9336% | 6,194 |
| Total domestic deposits to total assets | 90.0574% | 749 |
| Equity capital to assets | 8.9526% | 5,551 |
| Core capital (leverage) ratio | 8.2059% | 6,001 |
| Tier 1 risk-based capital ratio | 12.4022% | 4,627 |
| Total risk-based capital ratio | 13.6577% | 4,565 |
| Memoranda: | ||
| Average total assets | $70,145,250 | 6,039 |
| Average earning assets | $61,363,000 | 6,130 |
| Average equity | $5,988,000 | 6,666 |
| Average total loans | $45,365,000 | 5,910 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6546% | 595 |
| Cost of funding earning assets | 1.6547% | 5,494 |
| Net interest margin | 4.9999% | 427 |
| Noninterest income to average assets | 0.7786% | 2,528 |
| Noninterest expense to average assets | 3.3882% | 2,665 |
| Loan and lease loss provision to assets | 1.4488% | 1,198 |
| Net operating income to assets | -0.1671% | 6,131 |
| Return on assets (ROA) | -0.1397% | 6,114 |
| Pretax return on assets | 0.3708% | 5,019 |
| Return on Equity (ROE) | -1.6641% | 6,171 |
| Retained earnings to average equity (ytd only) | -4.4150% | 6,210 |
| Net charge-offs to loans | 0.0749% | 5,458 |
| Credit loss provision to net charge-offs | 2,988.2353% | 172 |
| Earnings coverage of net charge-offs (x) | 36.6471% | 864 |
| Efficiency ratio | 65.5991% | 5,614 |
| Assets per employee ($millions) | 2.2619% | 7,605 |
| Cash dividends to net income (ytd only)* | -165.3061% | 8,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 1,497 |
| Loan loss allowance to noncurrent loans | 74.3610% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.7298% | 3,590 |
| Noncurrent loans to loans | 2.7436% | 2,626 |
| Net loans and leases to total assets | 61.7615% | 5,395 |
| Net loans and leases to deposits | 67.9078% | 6,201 |
| Net loans and leases to core deposits | 78.4387% | 6,521 |
| Total domestic deposits to total assets | 90.9492% | 468 |
| Equity capital to assets | 8.0271% | 6,720 |
| Core capital (leverage) ratio | 7.7730% | 6,644 |
| Tier 1 risk-based capital ratio | 10.9852% | 5,888 |
| Total risk-based capital ratio | 12.2428% | 5,818 |
| Memoranda: | ||
| Average total assets | $70,126,000 | 6,078 |
| Average earning assets | $61,521,670 | 6,166 |
| Average equity | $5,889,000 | 6,766 |
| Average total loans | $45,401,670 | 5,967 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7772% | 502 |
| Cost of funding earning assets | 1.7142% | 5,538 |
| Net interest margin | 5.0630% | 348 |
| Noninterest income to average assets | 0.7304% | 2,701 |
| Noninterest expense to average assets | 3.4667% | 2,179 |
| Loan and lease loss provision to assets | 0.8580% | 1,525 |
| Net operating income to assets | -0.1971% | 6,551 |
| Return on assets (ROA) | -0.1971% | 6,636 |
| Pretax return on assets | 0.8406% | 3,929 |
| Return on Equity (ROE) | -2.2940% | 6,697 |
| Retained earnings to average equity (ytd only) | -2.2940% | 6,155 |
| Net charge-offs to loans | 0.2120% | 3,365 |
| Credit loss provision to net charge-offs | 616.6667% | 921 |
| Earnings coverage of net charge-offs (x) | 12.2083% | 1,819 |
| Efficiency ratio | 67.1156% | 5,118 |
| Assets per employee ($millions) | 2.2493% | 7,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 4,486 |
| Loan loss allowance to noncurrent loans | 271.1538% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 6,625 |
| Noncurrent loans to loans | 0.4593% | 6,266 |
| Net loans and leases to total assets | 64.1401% | 4,962 |
| Net loans and leases to deposits | 70.9348% | 5,877 |
| Net loans and leases to core deposits | 81.2392% | 6,292 |
| Total domestic deposits to total assets | 90.4212% | 627 |
| Equity capital to assets | 8.6050% | 5,910 |
| Core capital (leverage) ratio | 8.2184% | 6,064 |
| Tier 1 risk-based capital ratio | 12.0374% | 4,934 |
| Total risk-based capital ratio | 13.2350% | 4,866 |
| Memoranda: | ||
| Average total assets | $68,999,000 | 6,143 |
| Average earning assets | $60,438,000 | 6,239 |
| Average equity | $5,928,500 | 6,798 |
| Average total loans | $45,285,500 | 5,999 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3340% | 555 |
| Cost of funding earning assets | 2.2536% | 5,353 |
| Net interest margin | 5.0804% | 426 |
| Noninterest income to average assets | 0.8024% | 2,503 |
| Noninterest expense to average assets | 3.7926% | 1,766 |
| Loan and lease loss provision to assets | 0.0105% | 7,238 |
| Net operating income to assets | 1.1729% | 1,867 |
| Return on assets (ROA) | 1.1991% | 1,702 |
| Pretax return on assets | 1.4515% | 1,819 |
| Return on Equity (ROE) | 13.1086% | 1,305 |
| Retained earnings to average equity (ytd only) | 1.7412% | 4,165 |
| Net charge-offs to loans | 0.5590% | 2,141 |
| Credit loss provision to net charge-offs | 2.9046% | 6,646 |
| Earnings coverage of net charge-offs (x) | 3.9502% | 4,169 |
| Efficiency ratio | 72.6122% | 3,823 |
| Assets per employee ($millions) | 2.0080% | 7,908 |
| Cash dividends to net income (ytd only)* | 86.7168% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 6,259 |
| Loan loss allowance to noncurrent loans | 43.0950% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 1.4955% | 3,231 |
| Noncurrent loans to loans | 2.2547% | 2,443 |
| Net loans and leases to total assets | 65.6853% | 4,914 |
| Net loans and leases to deposits | 73.3416% | 5,911 |
| Net loans and leases to core deposits | 83.0168% | 6,382 |
| Total domestic deposits to total assets | 89.5607% | 826 |
| Equity capital to assets | 8.5790% | 5,967 |
| Core capital (leverage) ratio | 8.3190% | 5,917 |
| Tier 1 risk-based capital ratio | 12.0561% | 4,778 |
| Total risk-based capital ratio | 12.9861% | 4,939 |
| Memoranda: | ||
| Average total assets | $66,549,800 | 6,140 |
| Average earning assets | $57,908,400 | 6,264 |
| Average equity | $6,087,600 | 6,775 |
| Average total loans | $43,110,200 | 6,018 |