Home > Angelina Savings Bank, SSB > Performance and Condition Ratios
Angelina Savings Bank, SSB, 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 | 5.9480% | 1,256 |
| Cost of funding earning assets | 0.9853% | 4,012 |
| Net interest margin | 4.9627% | 317 |
| Noninterest income to average assets | 0.8800% | 703 |
| Noninterest expense to average assets | 4.3318% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0345% | 2,185 |
| Return on assets (ROA) | 1.0345% | 2,180 |
| Pretax return on assets | 1.3279% | 1,899 |
| Return on Equity (ROE) | 9.8900% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.8859% | 1,204 |
| Net charge-offs to loans | -0.0535% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 76.5378% | 1,199 |
| Assets per employee ($millions) | 4.0412% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 766 |
| Loan loss allowance to noncurrent loans | 508.1967% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 2,756 |
| Noncurrent loans to loans | 0.3217% | 2,348 |
| Net loans and leases to total assets | 46.1500% | 3,761 |
| Net loans and leases to deposits | 51.8775% | 3,804 |
| Net loans and leases to core deposits | 54.2157% | 3,881 |
| Total domestic deposits to total assets | 88.9600% | 1,203 |
| Equity capital to assets | 10.5563% | 1,884 |
| Core capital (leverage) ratio | 10.6593% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3074% | 284 |
| Memoranda: | ||
| Average total assets | $80,428,000 | 3,942 |
| Average earning assets | $77,539,000 | 3,899 |
| Average equity | $8,416,000 | 3,946 |
| Average total loans | $37,416,000 | 3,988 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2451% | 974 |
| Cost of funding earning assets | 0.9288% | 4,083 |
| Net interest margin | 5.3163% | 226 |
| Noninterest income to average assets | 0.9300% | 706 |
| Noninterest expense to average assets | 4.1105% | 351 |
| Loan and lease loss provision to assets | 0.3300% | 359 |
| Net operating income to assets | 1.2562% | 1,377 |
| Return on assets (ROA) | 1.2562% | 1,384 |
| Pretax return on assets | 1.6135% | 1,099 |
| Return on Equity (ROE) | 12.6100% | 1,457 |
| Retained earnings to average equity (ytd only) | 12.6122% | 247 |
| Net charge-offs to loans | 0.9724% | 155 |
| Credit loss provision to net charge-offs | 63.8298% | 2,253 |
| Earnings coverage of net charge-offs (x) | 4.0426% | 2,699 |
| Efficiency ratio | 67.8647% | 2,272 |
| Assets per employee ($millions) | 4.0016% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 685 |
| Loan loss allowance to noncurrent loans | 3,641.1765% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,567 |
| Noncurrent loans to loans | 0.0461% | 3,420 |
| Net loans and leases to total assets | 45.3500% | 3,839 |
| Net loans and leases to deposits | 50.8484% | 3,888 |
| Net loans and leases to core deposits | 53.1518% | 3,944 |
| Total domestic deposits to total assets | 89.1800% | 1,091 |
| Equity capital to assets | 10.3709% | 1,914 |
| Core capital (leverage) ratio | 10.3167% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5569% | 283 |
| Memoranda: | ||
| Average total assets | $78,093,400 | 3,971 |
| Average earning assets | $75,259,200 | 3,923 |
| Average equity | $7,778,200 | 3,992 |
| Average total loans | $38,669,200 | 3,975 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1748% | 1,023 |
| Cost of funding earning assets | 0.8717% | 4,147 |
| Net interest margin | 5.3032% | 231 |
| Noninterest income to average assets | 0.9300% | 691 |
| Noninterest expense to average assets | 4.0321% | 362 |
| Loan and lease loss provision to assets | 0.4100% | 243 |
| Net operating income to assets | 1.2387% | 1,442 |
| Return on assets (ROA) | 1.2387% | 1,445 |
| Pretax return on assets | 1.5960% | 1,162 |
| Return on Equity (ROE) | 12.5700% | 1,467 |
| Retained earnings to average equity (ytd only) | 12.5698% | 435 |
| Net charge-offs to loans | 1.3364% | 98 |
| Credit loss provision to net charge-offs | 60.9694% | 1,975 |
| Earnings coverage of net charge-offs (x) | 2.9821% | 2,555 |
| Efficiency ratio | 66.7520% | 2,395 |
| Assets per employee ($millions) | 4.2639% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 840 |
| Loan loss allowance to noncurrent loans | 108.0790% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 1,039 |
| Noncurrent loans to loans | 1.4782% | 641 |
| Net loans and leases to total assets | 45.7700% | 3,834 |
| Net loans and leases to deposits | 50.9873% | 3,916 |
| Net loans and leases to core deposits | 53.4479% | 3,968 |
| Total domestic deposits to total assets | 89.7700% | 658 |
| Equity capital to assets | 9.8945% | 2,362 |
| Core capital (leverage) ratio | 10.1095% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4804% | 328 |
| Memoranda: | ||
| Average total assets | $77,608,750 | 3,995 |
| Average earning assets | $74,796,250 | 3,952 |
| Average equity | $7,647,750 | 4,017 |
| Average total loans | $39,109,000 | 3,991 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1774% | 942 |
| Cost of funding earning assets | 0.8092% | 4,175 |
| Net interest margin | 5.3682% | 213 |
| Noninterest income to average assets | 0.9300% | 679 |
| Noninterest expense to average assets | 4.0929% | 345 |
| Loan and lease loss provision to assets | 0.4700% | 187 |
| Net operating income to assets | 1.1847% | 1,507 |
| Return on assets (ROA) | 1.1847% | 1,506 |
| Pretax return on assets | 1.5326% | 1,226 |
| Return on Equity (ROE) | 12.0400% | 1,612 |
| Retained earnings to average equity (ytd only) | 12.0399% | 540 |
| Net charge-offs to loans | 1.2176% | 105 |
| Credit loss provision to net charge-offs | 73.4440% | 1,697 |
| Earnings coverage of net charge-offs (x) | 3.1784% | 2,348 |
| Efficiency ratio | 67.1386% | 2,420 |
| Assets per employee ($millions) | 4.2650% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8090% | 551 |
| Loan loss allowance to noncurrent loans | 91.2814% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9342% | 664 |
| Noncurrent loans to loans | 1.9818% | 386 |
| Net loans and leases to total assets | 46.2800% | 3,820 |
| Net loans and leases to deposits | 51.3900% | 3,917 |
| Net loans and leases to core deposits | 52.3425% | 3,996 |
| Total domestic deposits to total assets | 90.0600% | 681 |
| Equity capital to assets | 9.5601% | 2,350 |
| Core capital (leverage) ratio | 9.9039% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5358% | 356 |
| Memoranda: | ||
| Average total assets | $76,473,333 | 4,022 |
| Average earning assets | $73,656,000 | 3,975 |
| Average equity | $7,525,000 | 4,024 |
| Average total loans | $39,584,667 | 3,998 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2603% | 784 |
| Cost of funding earning assets | 0.7342% | 4,223 |
| Net interest margin | 5.5261% | 184 |
| Noninterest income to average assets | 0.9900% | 558 |
| Noninterest expense to average assets | 4.1729% | 321 |
| Loan and lease loss provision to assets | 0.4900% | 162 |
| Net operating income to assets | 1.2885% | 1,261 |
| Return on assets (ROA) | 1.2885% | 1,269 |
| Pretax return on assets | 1.6498% | 1,021 |
| Return on Equity (ROE) | 12.8900% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.8945% | 620 |
| Net charge-offs to loans | 0.1490% | 562 |
| Credit loss provision to net charge-offs | 666.6667% | 431 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 1,220 |
| Efficiency ratio | 66.1538% | 2,585 |
| Assets per employee ($millions) | 3.7991% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1039% | 324 |
| Loan loss allowance to noncurrent loans | 210.0000% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 1,210 |
| Noncurrent loans to loans | 1.0019% | 863 |
| Net loans and leases to total assets | 51.4400% | 3,522 |
| Net loans and leases to deposits | 57.2691% | 3,662 |
| Net loans and leases to core deposits | 57.9483% | 3,841 |
| Total domestic deposits to total assets | 89.8200% | 853 |
| Equity capital to assets | 9.9156% | 2,064 |
| Core capital (leverage) ratio | 10.1178% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0409% | 426 |
| Memoranda: | ||
| Average total assets | $74,192,500 | 4,067 |
| Average earning assets | $71,370,500 | 4,018 |
| Average equity | $7,414,000 | 4,053 |
| Average total loans | $40,278,500 | 3,997 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6607% | 972 |
| Cost of funding earning assets | 0.2271% | 4,433 |
| Net interest margin | 5.4336% | 198 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 3.9877% | 369 |
| Loan and lease loss provision to assets | 1.0900% | 62 |
| Net operating income to assets | 0.8449% | 2,725 |
| Return on assets (ROA) | 0.8449% | 2,698 |
| Pretax return on assets | 1.0855% | 2,449 |
| Return on Equity (ROE) | 9.0300% | 2,748 |
| Retained earnings to average equity (ytd only) | 9.0334% | 1,246 |
| Net charge-offs to loans | 1.3846% | 69 |
| Credit loss provision to net charge-offs | 128.8779% | 1,607 |
| Earnings coverage of net charge-offs (x) | 2.6535% | 2,685 |
| Efficiency ratio | 64.7214% | 2,519 |
| Assets per employee ($millions) | 3.4478% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 483 |
| Loan loss allowance to noncurrent loans | 176.4019% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 934 |
| Noncurrent loans to loans | 1.0534% | 698 |
| Net loans and leases to total assets | 55.0800% | 3,274 |
| Net loans and leases to deposits | 61.4106% | 3,442 |
| Net loans and leases to core deposits | 62.1699% | 3,671 |
| Total domestic deposits to total assets | 89.6800% | 851 |
| Equity capital to assets | 10.0740% | 1,963 |
| Core capital (leverage) ratio | 10.2249% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2578% | 466 |
| Memoranda: | ||
| Average total assets | $73,977,200 | 4,081 |
| Average earning assets | $70,892,400 | 4,026 |
| Average equity | $6,918,800 | 4,059 |
| Average total loans | $43,768,400 | 3,939 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5158% | 997 |
| Cost of funding earning assets | 0.1329% | 4,492 |
| Net interest margin | 5.3829% | 201 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 3.8419% | 400 |
| Loan and lease loss provision to assets | 1.3400% | 43 |
| Net operating income to assets | 0.7207% | 3,254 |
| Return on assets (ROA) | 0.7207% | 3,241 |
| Pretax return on assets | 0.9287% | 3,035 |
| Return on Equity (ROE) | 7.8500% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.8533% | 2,015 |
| Net charge-offs to loans | 1.6938% | 46 |
| Credit loss provision to net charge-offs | 131.6254% | 1,410 |
| Earnings coverage of net charge-offs (x) | 2.2314% | 2,492 |
| Efficiency ratio | 62.9184% | 2,622 |
| Assets per employee ($millions) | 3.3150% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 599 |
| Loan loss allowance to noncurrent loans | 164.3016% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 946 |
| Noncurrent loans to loans | 1.0784% | 739 |
| Net loans and leases to total assets | 56.3300% | 3,174 |
| Net loans and leases to deposits | 62.5725% | 3,370 |
| Net loans and leases to core deposits | 63.3346% | 3,563 |
| Total domestic deposits to total assets | 90.0300% | 932 |
| Equity capital to assets | 9.6971% | 1,996 |
| Core capital (leverage) ratio | 9.8677% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6838% | 575 |
| Memoranda: | ||
| Average total assets | $74,370,500 | 4,089 |
| Average earning assets | $71,236,500 | 4,044 |
| Average equity | $6,825,000 | 4,066 |
| Average total loans | $44,552,500 | 3,932 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3830% | 974 |
| Cost of funding earning assets | 0.0668% | 4,539 |
| Net interest margin | 5.3162% | 208 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 3.6392% | 462 |
| Loan and lease loss provision to assets | 1.7500% | 31 |
| Net operating income to assets | 0.5531% | 3,694 |
| Return on assets (ROA) | 0.5531% | 3,699 |
| Pretax return on assets | 0.7161% | 3,571 |
| Return on Equity (ROE) | 6.1400% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.1400% | 2,573 |
| Net charge-offs to loans | 2.4504% | 33 |
| Credit loss provision to net charge-offs | 117.5943% | 1,338 |
| Earnings coverage of net charge-offs (x) | 1.6571% | 2,357 |
| Efficiency ratio | 59.6061% | 3,007 |
| Assets per employee ($millions) | 3.6775% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 842 |
| Loan loss allowance to noncurrent loans | 250.5300% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 1,379 |
| Noncurrent loans to loans | 0.6579% | 1,135 |
| Net loans and leases to total assets | 57.5200% | 3,003 |
| Net loans and leases to deposits | 63.5737% | 3,224 |
| Net loans and leases to core deposits | 64.3472% | 3,424 |
| Total domestic deposits to total assets | 90.4800% | 786 |
| Equity capital to assets | 9.3162% | 2,301 |
| Core capital (leverage) ratio | 9.1381% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2658% | 688 |
| Memoranda: | ||
| Average total assets | $74,851,000 | 4,103 |
| Average earning assets | $71,856,333 | 4,056 |
| Average equity | $6,742,667 | 4,099 |
| Average total loans | $45,462,333 | 3,930 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 968 |
| Cost of funding earning assets | 0.0330% | 4,597 |
| Net interest margin | 5.1573% | 232 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 3.6131% | 477 |
| Loan and lease loss provision to assets | 1.7500% | 43 |
| Net operating income to assets | 0.4556% | 3,991 |
| Return on assets (ROA) | 0.4556% | 3,941 |
| Pretax return on assets | 0.5934% | 3,853 |
| Return on Equity (ROE) | 5.1400% | 3,870 |
| Retained earnings to average equity (ytd only) | 5.1435% | 2,994 |
| Net charge-offs to loans | 0.3941% | 204 |
| Credit loss provision to net charge-offs | 717.3913% | 447 |
| Earnings coverage of net charge-offs (x) | 9.6087% | 1,684 |
| Efficiency ratio | 60.6762% | 2,863 |
| Assets per employee ($millions) | 3.5390% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9537% | 483 |
| Loan loss allowance to noncurrent loans | 121.2737% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.9930% | 411 |
| Noncurrent loans to loans | 1.6110% | 399 |
| Net loans and leases to total assets | 60.4400% | 2,604 |
| Net loans and leases to deposits | 66.6464% | 2,879 |
| Net loans and leases to core deposits | 67.4470% | 3,140 |
| Total domestic deposits to total assets | 90.6800% | 922 |
| Equity capital to assets | 9.0569% | 2,473 |
| Core capital (leverage) ratio | 8.7926% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5177% | 906 |
| Memoranda: | ||
| Average total assets | $75,502,000 | 4,153 |
| Average earning assets | $72,673,500 | 4,100 |
| Average equity | $6,688,000 | 4,161 |
| Average total loans | $46,685,500 | 3,950 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 1,387 |
| Cost of funding earning assets | 0.0357% | 4,602 |
| Net interest margin | 4.0996% | 657 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 3.6053% | 449 |
| Loan and lease loss provision to assets | 0.3900% | 183 |
| Net operating income to assets | 0.7269% | 3,545 |
| Return on assets (ROA) | 0.7269% | 3,489 |
| Pretax return on assets | 0.9358% | 3,256 |
| Return on Equity (ROE) | 9.1000% | 3,107 |
| Retained earnings to average equity (ytd only) | 9.0996% | 1,455 |
| Net charge-offs to loans | 0.2141% | 382 |
| Credit loss provision to net charge-offs | 302.9412% | 911 |
| Earnings coverage of net charge-offs (x) | 10.2745% | 2,194 |
| Efficiency ratio | 73.0937% | 1,312 |
| Assets per employee ($millions) | 3.6517% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 1,972 |
| Loan loss allowance to noncurrent loans | 754.3210% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 2,785 |
| Noncurrent loans to loans | 0.1703% | 2,632 |
| Net loans and leases to total assets | 61.2200% | 2,524 |
| Net loans and leases to deposits | 67.1953% | 2,794 |
| Net loans and leases to core deposits | 67.9726% | 3,011 |
| Total domestic deposits to total assets | 91.1100% | 913 |
| Equity capital to assets | 8.6653% | 2,585 |
| Core capital (leverage) ratio | 8.3095% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7353% | 1,020 |
| Memoranda: | ||
| Average total assets | $78,967,000 | 4,143 |
| Average earning assets | $75,666,600 | 4,093 |
| Average equity | $6,308,000 | 4,292 |
| Average total loans | $47,642,800 | 3,931 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8359% | 1,651 |
| Cost of funding earning assets | 0.0350% | 4,631 |
| Net interest margin | 3.8008% | 954 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 3.5354% | 472 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 0.5934% | 3,851 |
| Return on assets (ROA) | 0.5934% | 3,809 |
| Pretax return on assets | 0.7661% | 3,663 |
| Return on Equity (ROE) | 7.5800% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.5837% | 2,155 |
| Net charge-offs to loans | 0.2909% | 226 |
| Credit loss provision to net charge-offs | 200.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 6.3942% | 2,110 |
| Efficiency ratio | 76.0274% | 1,076 |
| Assets per employee ($millions) | 3.7633% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,220 |
| Loan loss allowance to noncurrent loans | 409.6774% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 2,518 |
| Noncurrent loans to loans | 0.2576% | 2,346 |
| Net loans and leases to total assets | 60.2600% | 2,475 |
| Net loans and leases to deposits | 65.7304% | 2,742 |
| Net loans and leases to core deposits | 66.4634% | 2,916 |
| Total domestic deposits to total assets | 91.6700% | 983 |
| Equity capital to assets | 8.1298% | 2,815 |
| Core capital (leverage) ratio | 8.1205% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6387% | 1,253 |
| Memoranda: | ||
| Average total assets | $79,537,500 | 4,166 |
| Average earning assets | $76,156,750 | 4,115 |
| Average equity | $6,223,750 | 4,349 |
| Average total loans | $47,663,250 | 3,954 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 1,514 |
| Cost of funding earning assets | 0.0393% | 4,657 |
| Net interest margin | 3.6694% | 964 |
| Noninterest income to average assets | 1.0137% | 644 |
| Noninterest expense to average assets | 3.5405% | 424 |
| Loan and lease loss provision to assets | 0.4466% | 118 |
| Net operating income to assets | 0.4115% | 4,085 |
| Return on assets (ROA) | 0.4115% | 4,035 |
| Pretax return on assets | 0.5370% | 3,945 |
| Return on Equity (ROE) | 5.3276% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.3276% | 2,579 |
| Net charge-offs to loans | 0.4336% | 163 |
| Credit loss provision to net charge-offs | 172.8155% | 1,037 |
| Earnings coverage of net charge-offs (x) | 3.8058% | 1,983 |
| Efficiency ratio | 78.2585% | 1,070 |
| Assets per employee ($millions) | 3.5890% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,639 |
| Loan loss allowance to noncurrent loans | 2,817.6471% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,788 |
| Noncurrent loans to loans | 0.0352% | 3,687 |
| Net loans and leases to total assets | 60.6191% | 2,259 |
| Net loans and leases to deposits | 65.9679% | 2,547 |
| Net loans and leases to core deposits | 66.7024% | 2,764 |
| Total domestic deposits to total assets | 91.8918% | 883 |
| Equity capital to assets | 7.8967% | 3,201 |
| Core capital (leverage) ratio | 7.7735% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9565% | 1,442 |
| Memoranda: | ||
| Average total assets | $79,706,667 | 4,206 |
| Average earning assets | $76,252,333 | 4,166 |
| Average equity | $6,156,667 | 4,399 |
| Average total loans | $47,508,000 | 4,003 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 1,553 |
| Cost of funding earning assets | 0.0366% | 4,684 |
| Net interest margin | 3.5478% | 986 |
| Noninterest income to average assets | 0.9790% | 707 |
| Noninterest expense to average assets | 3.6363% | 373 |
| Loan and lease loss provision to assets | 0.1249% | 665 |
| Net operating income to assets | 0.4695% | 3,792 |
| Return on assets (ROA) | 0.4695% | 3,756 |
| Pretax return on assets | 0.6094% | 3,608 |
| Return on Equity (ROE) | 6.1463% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.1463% | 2,197 |
| Net charge-offs to loans | 0.0085% | 1,432 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 541 |
| Efficiency ratio | 83.2000% | 904 |
| Assets per employee ($millions) | 3.8485% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 4,059 |
| Loan loss allowance to noncurrent loans | 235.1648% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 2,296 |
| Noncurrent loans to loans | 0.3800% | 2,131 |
| Net loans and leases to total assets | 58.7295% | 2,211 |
| Net loans and leases to deposits | 63.6998% | 2,555 |
| Net loans and leases to core deposits | 64.6094% | 2,750 |
| Total domestic deposits to total assets | 92.1973% | 508 |
| Equity capital to assets | 7.6283% | 3,838 |
| Core capital (leverage) ratio | 7.7834% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7595% | 1,571 |
| Memoranda: | ||
| Average total assets | $80,081,500 | 4,222 |
| Average earning assets | $76,555,500 | 4,180 |
| Average equity | $6,117,500 | 4,452 |
| Average total loans | $47,091,000 | 4,024 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4801% | 2,718 |
| Cost of funding earning assets | 0.0520% | 4,679 |
| Net interest margin | 3.4281% | 1,941 |
| Noninterest income to average assets | 1.0112% | 988 |
| Noninterest expense to average assets | 3.5852% | 437 |
| Loan and lease loss provision to assets | 0.1405% | 859 |
| Net operating income to assets | 0.4412% | 4,202 |
| Return on assets (ROA) | 0.4412% | 4,242 |
| Pretax return on assets | 0.5739% | 4,148 |
| Return on Equity (ROE) | 5.5429% | 3,874 |
| Retained earnings to average equity (ytd only) | 1.5507% | 4,104 |
| Net charge-offs to loans | 0.0396% | 1,469 |
| Credit loss provision to net charge-offs | 629.4118% | 700 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,562 |
| Efficiency ratio | 83.3842% | 606 |
| Assets per employee ($millions) | 3.9673% | 4,434 |
| Cash dividends to net income (ytd only)* | 72.0238% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 4,130 |
| Loan loss allowance to noncurrent loans | 2,126.3158% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,887 |
| Noncurrent loans to loans | 0.0410% | 3,777 |
| Net loans and leases to total assets | 57.8310% | 2,394 |
| Net loans and leases to deposits | 62.7269% | 2,805 |
| Net loans and leases to core deposits | 63.6395% | 3,013 |
| Total domestic deposits to total assets | 92.1948% | 133 |
| Equity capital to assets | 7.6501% | 4,533 |
| Core capital (leverage) ratio | 7.8749% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0490% | 1,492 |
| Memoranda: | ||
| Average total assets | $76,147,400 | 4,266 |
| Average earning assets | $73,043,400 | 4,212 |
| Average equity | $6,061,800 | 4,524 |
| Average total loans | $42,971,600 | 4,130 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4421% | 2,983 |
| Cost of funding earning assets | 0.0553% | 4,757 |
| Net interest margin | 3.3868% | 2,192 |
| Noninterest income to average assets | 0.9909% | 1,086 |
| Noninterest expense to average assets | 3.5939% | 412 |
| Loan and lease loss provision to assets | 0.1447% | 782 |
| Net operating income to assets | 0.3858% | 4,390 |
| Return on assets (ROA) | 0.3858% | 4,426 |
| Pretax return on assets | 0.5043% | 4,363 |
| Return on Equity (ROE) | 4.7966% | 4,164 |
| Retained earnings to average equity (ytd only) | -0.5281% | 4,615 |
| Net charge-offs to loans | 0.0316% | 1,430 |
| Credit loss provision to net charge-offs | 820.0000% | 581 |
| Earnings coverage of net charge-offs (x) | 36.7000% | 1,420 |
| Efficiency ratio | 84.6956% | 488 |
| Assets per employee ($millions) | 3.4586% | 4,654 |
| Cash dividends to net income (ytd only)* | 111.0092% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,143 |
| Loan loss allowance to noncurrent loans | 114.5401% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 1,705 |
| Noncurrent loans to loans | 0.7880% | 1,434 |
| Net loans and leases to total assets | 55.6985% | 2,760 |
| Net loans and leases to deposits | 60.5209% | 3,188 |
| Net loans and leases to core deposits | 61.4404% | 3,367 |
| Total domestic deposits to total assets | 92.0318% | 117 |
| Equity capital to assets | 7.8236% | 4,599 |
| Core capital (leverage) ratio | 7.8121% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8801% | 1,373 |
| Memoranda: | ||
| Average total assets | $75,348,000 | 4,329 |
| Average earning assets | $72,357,250 | 4,281 |
| Average equity | $6,059,750 | 4,588 |
| Average total loans | $42,142,000 | 4,198 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4252% | 3,098 |
| Cost of funding earning assets | 0.0610% | 4,783 |
| Net interest margin | 3.3642% | 2,262 |
| Noninterest income to average assets | 0.9454% | 1,167 |
| Noninterest expense to average assets | 3.6005% | 408 |
| Loan and lease loss provision to assets | 0.1491% | 800 |
| Net operating income to assets | 0.3249% | 4,497 |
| Return on assets (ROA) | 0.3249% | 4,519 |
| Pretax return on assets | 0.4261% | 4,481 |
| Return on Equity (ROE) | 4.0031% | 4,330 |
| Retained earnings to average equity (ytd only) | 4.0031% | 3,516 |
| Net charge-offs to loans | 0.0382% | 1,251 |
| Credit loss provision to net charge-offs | 700.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,372 |
| Efficiency ratio | 86.2245% | 465 |
| Assets per employee ($millions) | 3.3063% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 4,257 |
| Loan loss allowance to noncurrent loans | 109.3656% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 1,885 |
| Noncurrent loans to loans | 0.7894% | 1,542 |
| Net loans and leases to total assets | 54.6603% | 3,053 |
| Net loans and leases to deposits | 59.5618% | 3,426 |
| Net loans and leases to core deposits | 60.6995% | 3,572 |
| Total domestic deposits to total assets | 91.7708% | 172 |
| Equity capital to assets | 8.0201% | 4,519 |
| Core capital (leverage) ratio | 7.8128% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7159% | 1,188 |
| Memoranda: | ||
| Average total assets | $75,100,667 | 4,356 |
| Average earning assets | $72,113,000 | 4,312 |
| Average equity | $6,095,333 | 4,613 |
| Average total loans | $41,933,667 | 4,233 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 3,039 |
| Cost of funding earning assets | 0.0782% | 4,754 |
| Net interest margin | 3.3834% | 2,156 |
| Noninterest income to average assets | 0.8844% | 1,372 |
| Noninterest expense to average assets | 3.5965% | 416 |
| Loan and lease loss provision to assets | 0.1554% | 827 |
| Net operating income to assets | 0.2894% | 4,534 |
| Return on assets (ROA) | 0.2894% | 4,567 |
| Pretax return on assets | 0.3806% | 4,513 |
| Return on Equity (ROE) | 3.5448% | 4,367 |
| Retained earnings to average equity (ytd only) | 3.5448% | 3,623 |
| Net charge-offs to loans | 0.0191% | 1,355 |
| Credit loss provision to net charge-offs | 1,450.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 899 |
| Efficiency ratio | 87.0298% | 477 |
| Assets per employee ($millions) | 3.3462% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8224% | 4,358 |
| Loan loss allowance to noncurrent loans | 148.2609% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 2,652 |
| Noncurrent loans to loans | 0.5547% | 2,193 |
| Net loans and leases to total assets | 53.4316% | 3,298 |
| Net loans and leases to deposits | 58.1484% | 3,637 |
| Net loans and leases to core deposits | 59.2434% | 3,758 |
| Total domestic deposits to total assets | 91.8882% | 168 |
| Equity capital to assets | 7.9520% | 4,521 |
| Core capital (leverage) ratio | 8.3815% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7984% | 1,104 |
| Memoranda: | ||
| Average total assets | $74,628,000 | 4,383 |
| Average earning assets | $71,644,500 | 4,334 |
| Average equity | $6,093,500 | 4,633 |
| Average total loans | $41,936,000 | 4,261 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 2,289 |
| Cost of funding earning assets | 0.1555% | 4,712 |
| Net interest margin | 3.9913% | 986 |
| Noninterest income to average assets | 0.9356% | 1,183 |
| Noninterest expense to average assets | 3.7708% | 473 |
| Loan and lease loss provision to assets | 0.1685% | 2,277 |
| Net operating income to assets | 0.6256% | 3,667 |
| Return on assets (ROA) | 0.6256% | 3,787 |
| Pretax return on assets | 0.8099% | 3,608 |
| Return on Equity (ROE) | 7.1240% | 3,162 |
| Retained earnings to average equity (ytd only) | -0.4554% | 4,586 |
| Net charge-offs to loans | 0.1215% | 1,279 |
| Credit loss provision to net charge-offs | 231.3725% | 2,011 |
| Earnings coverage of net charge-offs (x) | 13.4314% | 2,277 |
| Efficiency ratio | 79.3985% | 931 |
| Assets per employee ($millions) | 3.0123% | 4,808 |
| Cash dividends to net income (ytd only)* | 106.3927% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 4,522 |
| Loan loss allowance to noncurrent loans | 160.2041% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 2,943 |
| Noncurrent loans to loans | 0.4622% | 2,580 |
| Net loans and leases to total assets | 58.2275% | 3,057 |
| Net loans and leases to deposits | 63.6568% | 3,464 |
| Net loans and leases to core deposits | 64.7227% | 3,647 |
| Total domestic deposits to total assets | 91.4709% | 136 |
| Equity capital to assets | 8.3921% | 4,521 |
| Core capital (leverage) ratio | 8.3408% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5587% | 1,136 |
| Memoranda: | ||
| Average total assets | $70,011,800 | 4,389 |
| Average earning assets | $66,895,400 | 4,339 |
| Average equity | $6,148,200 | 4,628 |
| Average total loans | $41,981,800 | 4,274 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 2,142 |
| Cost of funding earning assets | 0.1752% | 4,741 |
| Net interest margin | 4.1111% | 882 |
| Noninterest income to average assets | 0.9351% | 1,143 |
| Noninterest expense to average assets | 3.7998% | 455 |
| Loan and lease loss provision to assets | 0.1714% | 2,280 |
| Net operating income to assets | 0.6855% | 3,505 |
| Return on assets (ROA) | 0.6855% | 3,612 |
| Pretax return on assets | 0.8851% | 3,421 |
| Return on Equity (ROE) | 7.7164% | 2,916 |
| Retained earnings to average equity (ytd only) | -2.3560% | 4,728 |
| Net charge-offs to loans | 0.1019% | 1,294 |
| Credit loss provision to net charge-offs | 278.1250% | 1,833 |
| Earnings coverage of net charge-offs (x) | 17.1875% | 2,028 |
| Efficiency ratio | 78.2523% | 1,009 |
| Assets per employee ($millions) | 3.1187% | 4,805 |
| Cash dividends to net income (ytd only)* | 130.5322% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 4,558 |
| Loan loss allowance to noncurrent loans | 153.5354% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 3,121 |
| Noncurrent loans to loans | 0.4640% | 2,663 |
| Net loans and leases to total assets | 56.6054% | 3,562 |
| Net loans and leases to deposits | 61.6719% | 3,948 |
| Net loans and leases to core deposits | 62.4197% | 4,084 |
| Total domestic deposits to total assets | 91.7847% | 71 |
| Equity capital to assets | 7.9975% | 4,713 |
| Core capital (leverage) ratio | 8.0518% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3560% | 1,173 |
| Memoranda: | ||
| Average total assets | $69,441,250 | 4,404 |
| Average earning assets | $66,225,000 | 4,359 |
| Average equity | $6,168,500 | 4,649 |
| Average total loans | $41,875,000 | 4,304 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 1,871 |
| Cost of funding earning assets | 0.1955% | 4,774 |
| Net interest margin | 4.3205% | 718 |
| Noninterest income to average assets | 0.9551% | 1,064 |
| Noninterest expense to average assets | 3.8824% | 465 |
| Loan and lease loss provision to assets | 0.1863% | 2,160 |
| Net operating income to assets | 0.7777% | 3,125 |
| Return on assets (ROA) | 0.7777% | 3,238 |
| Pretax return on assets | 1.0024% | 3,025 |
| Return on Equity (ROE) | 8.4439% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.4439% | 1,180 |
| Net charge-offs to loans | 0.0529% | 1,734 |
| Credit loss provision to net charge-offs | 572.7273% | 1,138 |
| Earnings coverage of net charge-offs (x) | 36.5455% | 1,305 |
| Efficiency ratio | 76.5598% | 1,216 |
| Assets per employee ($millions) | 2.8986% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 4,545 |
| Loan loss allowance to noncurrent loans | 139.7196% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,126 |
| Noncurrent loans to loans | 0.5070% | 2,628 |
| Net loans and leases to total assets | 57.8313% | 3,532 |
| Net loans and leases to deposits | 63.6204% | 3,908 |
| Net loans and leases to core deposits | 64.6868% | 4,038 |
| Total domestic deposits to total assets | 90.9006% | 170 |
| Equity capital to assets | 8.7738% | 4,291 |
| Core capital (leverage) ratio | 9.0790% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,639,000 | 4,436 |
| Average earning assets | $64,437,667 | 4,402 |
| Average equity | $6,229,333 | 4,659 |
| Average total loans | $41,609,333 | 4,317 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 1,518 |
| Cost of funding earning assets | 0.2315% | 4,820 |
| Net interest margin | 4.5330% | 469 |
| Noninterest income to average assets | 1.0609% | 757 |
| Noninterest expense to average assets | 4.0720% | 471 |
| Loan and lease loss provision to assets | 0.2085% | 1,467 |
| Net operating income to assets | 0.8586% | 2,666 |
| Return on assets (ROA) | 0.8586% | 2,770 |
| Pretax return on assets | 1.1039% | 2,506 |
| Return on Equity (ROE) | 9.0835% | 2,079 |
| Retained earnings to average equity (ytd only) | 9.0835% | 955 |
| Net charge-offs to loans | 0.0871% | 1,178 |
| Credit loss provision to net charge-offs | 377.7778% | 1,040 |
| Earnings coverage of net charge-offs (x) | 23.7778% | 1,321 |
| Efficiency ratio | 75.6264% | 1,608 |
| Assets per employee ($millions) | 2.6947% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6496% | 4,687 |
| Loan loss allowance to noncurrent loans | 126.5116% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,112 |
| Noncurrent loans to loans | 0.5134% | 2,728 |
| Net loans and leases to total assets | 64.3292% | 3,025 |
| Net loans and leases to deposits | 71.4435% | 3,484 |
| Net loans and leases to core deposits | 72.4917% | 3,731 |
| Total domestic deposits to total assets | 90.0421% | 306 |
| Equity capital to assets | 9.6410% | 4,089 |
| Core capital (leverage) ratio | 9.5202% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1380% | 1,127 |
| Memoranda: | ||
| Average total assets | $65,225,500 | 4,480 |
| Average earning assets | $62,211,000 | 4,448 |
| Average equity | $6,165,000 | 4,698 |
| Average total loans | $41,310,500 | 4,342 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 2,293 |
| Cost of funding earning assets | 0.2188% | 4,919 |
| Net interest margin | 4.4919% | 725 |
| Noninterest income to average assets | 1.0586% | 847 |
| Noninterest expense to average assets | 3.8979% | 602 |
| Loan and lease loss provision to assets | 0.1547% | 1,362 |
| Net operating income to assets | 1.0120% | 2,809 |
| Return on assets (ROA) | 1.0120% | 2,896 |
| Pretax return on assets | 1.2913% | 2,531 |
| Return on Equity (ROE) | 11.0721% | 1,852 |
| Retained earnings to average equity (ytd only) | 2.2013% | 3,900 |
| Net charge-offs to loans | 0.1501% | 1,325 |
| Credit loss provision to net charge-offs | 174.5763% | 1,486 |
| Earnings coverage of net charge-offs (x) | 16.3220% | 2,180 |
| Efficiency ratio | 72.9418% | 1,746 |
| Assets per employee ($millions) | 2.8600% | 4,880 |
| Cash dividends to net income (ytd only)* | 80.1187% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 4,726 |
| Loan loss allowance to noncurrent loans | 126.6667% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 3,253 |
| Noncurrent loans to loans | 0.4786% | 2,756 |
| Net loans and leases to total assets | 61.5683% | 3,446 |
| Net loans and leases to deposits | 68.0541% | 3,815 |
| Net loans and leases to core deposits | 69.3619% | 4,000 |
| Total domestic deposits to total assets | 90.4696% | 201 |
| Equity capital to assets | 9.2659% | 4,518 |
| Core capital (leverage) ratio | 9.2188% | 4,348 |
| Tier 1 risk-based capital ratio | 17.6227% | 1,858 |
| Total risk-based capital ratio | 18.3369% | 1,961 |
| Memoranda: | ||
| Average total assets | $66,599,800 | 4,487 |
| Average earning assets | $63,536,400 | 4,443 |
| Average equity | $6,087,400 | 4,744 |
| Average total loans | $39,309,200 | 4,420 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 2,369 |
| Cost of funding earning assets | 0.2158% | 5,001 |
| Net interest margin | 4.4997% | 764 |
| Noninterest income to average assets | 1.0578% | 822 |
| Noninterest expense to average assets | 3.9038% | 593 |
| Loan and lease loss provision to assets | 0.0938% | 2,034 |
| Net operating income to assets | 1.0578% | 2,744 |
| Return on assets (ROA) | 1.0578% | 2,825 |
| Pretax return on assets | 1.3472% | 2,509 |
| Return on Equity (ROE) | 11.6120% | 1,753 |
| Retained earnings to average equity (ytd only) | -0.2190% | 4,782 |
| Net charge-offs to loans | 0.0342% | 2,388 |
| Credit loss provision to net charge-offs | 470.0000% | 663 |
| Earnings coverage of net charge-offs (x) | 72.2161% | 926 |
| Efficiency ratio | 73.0396% | 1,694 |
| Assets per employee ($millions) | 2.7599% | 4,989 |
| Cash dividends to net income (ytd only)* | 101.8864% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 4,803 |
| Loan loss allowance to noncurrent loans | 138.7283% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 3,522 |
| Noncurrent loans to loans | 0.4384% | 2,997 |
| Net loans and leases to total assets | 59.2168% | 3,746 |
| Net loans and leases to deposits | 65.3265% | 4,107 |
| Net loans and leases to core deposits | 66.2724% | 4,259 |
| Total domestic deposits to total assets | 90.6474% | 145 |
| Equity capital to assets | 8.9843% | 4,787 |
| Core capital (leverage) ratio | 8.9303% | 4,683 |
| Tier 1 risk-based capital ratio | 17.8719% | 1,858 |
| Total risk-based capital ratio | 18.5927% | 1,947 |
| Memoranda: | ||
| Average total assets | $66,805,000 | 4,538 |
| Average earning assets | $63,647,500 | 4,495 |
| Average equity | $6,085,500 | 4,809 |
| Average total loans | $38,950,000 | 4,485 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6714% | 2,446 |
| Cost of funding earning assets | 0.2042% | 5,063 |
| Net interest margin | 4.4672% | 826 |
| Noninterest income to average assets | 1.0329% | 815 |
| Noninterest expense to average assets | 3.8571% | 625 |
| Loan and lease loss provision to assets | 0.0955% | 1,941 |
| Net operating income to assets | 1.0449% | 2,743 |
| Return on assets (ROA) | 1.0449% | 2,819 |
| Pretax return on assets | 1.3255% | 2,458 |
| Return on Equity (ROE) | 11.4186% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.4186% | 494 |
| Net charge-offs to loans | 0.0516% | 1,911 |
| Credit loss provision to net charge-offs | 320.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 47.6000% | 1,132 |
| Efficiency ratio | 73.0769% | 1,763 |
| Assets per employee ($millions) | 2.7966% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5644% | 4,932 |
| Loan loss allowance to noncurrent loans | 146.1039% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 3,654 |
| Noncurrent loans to loans | 0.3863% | 3,145 |
| Net loans and leases to total assets | 59.0548% | 3,817 |
| Net loans and leases to deposits | 65.4919% | 4,130 |
| Net loans and leases to core deposits | 66.1499% | 4,310 |
| Total domestic deposits to total assets | 90.1712% | 295 |
| Equity capital to assets | 9.4027% | 4,498 |
| Core capital (leverage) ratio | 9.4878% | 4,153 |
| Tier 1 risk-based capital ratio | 18.4451% | 1,687 |
| Total risk-based capital ratio | 19.1027% | 1,796 |
| Memoranda: | ||
| Average total assets | $66,994,000 | 4,568 |
| Average earning assets | $63,664,000 | 4,530 |
| Average equity | $6,130,330 | 4,838 |
| Average total loans | $38,778,670 | 4,524 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 2,594 |
| Cost of funding earning assets | 0.2009% | 5,116 |
| Net interest margin | 4.3817% | 939 |
| Noninterest income to average assets | 0.9921% | 827 |
| Noninterest expense to average assets | 3.8368% | 632 |
| Loan and lease loss provision to assets | 0.1135% | 1,561 |
| Net operating income to assets | 0.9502% | 3,048 |
| Return on assets (ROA) | 0.9502% | 3,091 |
| Pretax return on assets | 1.2132% | 2,755 |
| Return on Equity (ROE) | 10.5298% | 2,145 |
| Retained earnings to average equity (ytd only) | 10.5298% | 920 |
| Net charge-offs to loans | 0.0628% | 1,414 |
| Credit loss provision to net charge-offs | 316.6667% | 795 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,202 |
| Efficiency ratio | 74.3056% | 1,714 |
| Assets per employee ($millions) | 2.8746% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5553% | 5,014 |
| Loan loss allowance to noncurrent loans | 122.0339% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,543 |
| Noncurrent loans to loans | 0.4550% | 2,951 |
| Net loans and leases to total assets | 58.5063% | 3,832 |
| Net loans and leases to deposits | 64.7419% | 4,139 |
| Net loans and leases to core deposits | 65.3998% | 4,303 |
| Total domestic deposits to total assets | 90.3684% | 326 |
| Equity capital to assets | 9.2549% | 4,475 |
| Core capital (leverage) ratio | 9.2795% | 4,383 |
| Tier 1 risk-based capital ratio | 18.5807% | 1,638 |
| Total risk-based capital ratio | 19.2366% | 1,758 |
| Memoranda: | ||
| Average total assets | $66,931,500 | 4,620 |
| Average earning assets | $63,719,500 | 4,584 |
| Average equity | $6,040,000 | 4,889 |
| Average total loans | $38,237,000 | 4,587 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3551% | 2,911 |
| Cost of funding earning assets | 0.1174% | 5,251 |
| Net interest margin | 4.2376% | 1,305 |
| Noninterest income to average assets | 0.9153% | 1,141 |
| Noninterest expense to average assets | 3.6763% | 797 |
| Loan and lease loss provision to assets | 0.0831% | 2,471 |
| Net operating income to assets | 0.9999% | 3,011 |
| Return on assets (ROA) | 0.9999% | 3,000 |
| Pretax return on assets | 1.1887% | 2,918 |
| Return on Equity (ROE) | 11.4688% | 1,910 |
| Retained earnings to average equity (ytd only) | 4.2098% | 3,236 |
| Net charge-offs to loans | 0.0832% | 1,947 |
| Credit loss provision to net charge-offs | 183.3333% | 1,544 |
| Earnings coverage of net charge-offs (x) | 28.0667% | 1,665 |
| Efficiency ratio | 74.2979% | 1,589 |
| Assets per employee ($millions) | 2.8228% | 5,083 |
| Cash dividends to net income (ytd only)* | 63.2931% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5402% | 5,073 |
| Loan loss allowance to noncurrent loans | 147.1014% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 3,808 |
| Noncurrent loans to loans | 0.3673% | 3,222 |
| Net loans and leases to total assets | 55.1655% | 4,193 |
| Net loans and leases to deposits | 60.6724% | 4,445 |
| Net loans and leases to core deposits | 60.9445% | 4,591 |
| Total domestic deposits to total assets | 90.9236% | 225 |
| Equity capital to assets | 8.7989% | 4,740 |
| Core capital (leverage) ratio | 8.7649% | 4,837 |
| Tier 1 risk-based capital ratio | 18.6877% | 1,575 |
| Total risk-based capital ratio | 19.3241% | 1,696 |
| Memoranda: | ||
| Average total assets | $66,207,600 | 4,651 |
| Average earning assets | $63,006,800 | 4,609 |
| Average equity | $5,772,200 | 4,935 |
| Average total loans | $36,043,800 | 4,660 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 3,164 |
| Cost of funding earning assets | 0.1001% | 5,353 |
| Net interest margin | 4.1449% | 1,507 |
| Noninterest income to average assets | 0.9034% | 1,190 |
| Noninterest expense to average assets | 3.5894% | 868 |
| Loan and lease loss provision to assets | 0.0932% | 2,115 |
| Net operating income to assets | 1.0047% | 3,062 |
| Return on assets (ROA) | 1.0047% | 3,076 |
| Pretax return on assets | 1.1647% | 3,140 |
| Return on Equity (ROE) | 11.5514% | 1,969 |
| Retained earnings to average equity (ytd only) | 1.7932% | 4,639 |
| Net charge-offs to loans | 0.0411% | 2,260 |
| Credit loss provision to net charge-offs | 418.1818% | 798 |
| Earnings coverage of net charge-offs (x) | 56.4404% | 1,094 |
| Efficiency ratio | 74.0493% | 1,589 |
| Assets per employee ($millions) | 2.9468% | 5,072 |
| Cash dividends to net income (ytd only)* | 84.4750% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5742% | 5,079 |
| Loan loss allowance to noncurrent loans | 200.9434% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 4,175 |
| Noncurrent loans to loans | 0.2858% | 3,663 |
| Net loans and leases to total assets | 54.4131% | 4,336 |
| Net loans and leases to deposits | 59.5726% | 4,573 |
| Net loans and leases to core deposits | 59.8384% | 4,711 |
| Total domestic deposits to total assets | 91.3391% | 158 |
| Equity capital to assets | 8.3599% | 5,004 |
| Core capital (leverage) ratio | 8.4912% | 5,099 |
| Tier 1 risk-based capital ratio | 18.1795% | 1,747 |
| Total risk-based capital ratio | 18.8629% | 1,853 |
| Memoranda: | ||
| Average total assets | $65,822,750 | 4,705 |
| Average earning assets | $62,629,250 | 4,664 |
| Average equity | $5,725,000 | 5,000 |
| Average total loans | $35,660,750 | 4,719 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 3,268 |
| Cost of funding earning assets | 0.0774% | 5,447 |
| Net interest margin | 4.0748% | 1,628 |
| Noninterest income to average assets | 0.8808% | 1,239 |
| Noninterest expense to average assets | 3.5537% | 925 |
| Loan and lease loss provision to assets | 0.0890% | 2,140 |
| Net operating income to assets | 1.0127% | 2,962 |
| Return on assets (ROA) | 1.0127% | 2,970 |
| Pretax return on assets | 1.1140% | 3,255 |
| Return on Equity (ROE) | 11.4889% | 1,914 |
| Retained earnings to average equity (ytd only) | 11.4889% | 589 |
| Net charge-offs to loans | 0.0512% | 1,871 |
| Credit loss provision to net charge-offs | 322.2222% | 958 |
| Earnings coverage of net charge-offs (x) | 43.5556% | 1,230 |
| Efficiency ratio | 74.7097% | 1,605 |
| Assets per employee ($millions) | 3.1240% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5514% | 5,194 |
| Loan loss allowance to noncurrent loans | 152.3077% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 4,004 |
| Noncurrent loans to loans | 0.3620% | 3,398 |
| Net loans and leases to total assets | 54.4335% | 4,299 |
| Net loans and leases to deposits | 60.0461% | 4,527 |
| Net loans and leases to core deposits | 60.3250% | 4,688 |
| Total domestic deposits to total assets | 90.6529% | 348 |
| Equity capital to assets | 9.0225% | 4,541 |
| Core capital (leverage) ratio | 9.0058% | 4,683 |
| Tier 1 risk-based capital ratio | 19.5728% | 1,411 |
| Total risk-based capital ratio | 20.2275% | 1,516 |
| Memoranda: | ||
| Average total assets | $65,171,670 | 4,771 |
| Average earning assets | $61,990,670 | 4,730 |
| Average equity | $5,744,670 | 5,042 |
| Average total loans | $35,183,670 | 4,776 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,476 |
| Cost of funding earning assets | 0.0773% | 5,503 |
| Net interest margin | 3.9601% | 1,844 |
| Noninterest income to average assets | 0.9175% | 1,104 |
| Noninterest expense to average assets | 3.5716% | 901 |
| Loan and lease loss provision to assets | 0.0493% | 2,794 |
| Net operating income to assets | 0.8436% | 3,532 |
| Return on assets (ROA) | 0.8436% | 3,549 |
| Pretax return on assets | 1.0838% | 3,229 |
| Return on Equity (ROE) | 9.6863% | 2,591 |
| Retained earnings to average equity (ytd only) | 9.6863% | 1,259 |
| Net charge-offs to loans | 0.1149% | 1,093 |
| Credit loss provision to net charge-offs | 80.0000% | 1,748 |
| Earnings coverage of net charge-offs (x) | 18.4000% | 1,537 |
| Efficiency ratio | 75.9162% | 1,601 |
| Assets per employee ($millions) | 3.1170% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4971% | 5,335 |
| Loan loss allowance to noncurrent loans | 132.3308% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 3,636 |
| Noncurrent loans to loans | 0.3756% | 3,439 |
| Net loans and leases to total assets | 53.8246% | 4,301 |
| Net loans and leases to deposits | 59.2184% | 4,523 |
| Net loans and leases to core deposits | 59.4924% | 4,681 |
| Total domestic deposits to total assets | 90.8917% | 354 |
| Equity capital to assets | 8.7477% | 4,784 |
| Core capital (leverage) ratio | 8.9432% | 4,743 |
| Tier 1 risk-based capital ratio | 19.1935% | 1,508 |
| Total risk-based capital ratio | 19.7835% | 1,645 |
| Memoranda: | ||
| Average total assets | $64,956,000 | 4,832 |
| Average earning assets | $62,119,000 | 4,790 |
| Average equity | $5,657,500 | 5,109 |
| Average total loans | $34,821,500 | 4,833 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 4,238 |
| Cost of funding earning assets | 0.0571% | 5,601 |
| Net interest margin | 3.6860% | 2,850 |
| Noninterest income to average assets | 0.8762% | 1,339 |
| Noninterest expense to average assets | 3.4658% | 1,092 |
| Loan and lease loss provision to assets | 0.0856% | 2,486 |
| Net operating income to assets | 0.5587% | 4,194 |
| Return on assets (ROA) | 0.5587% | 4,228 |
| Pretax return on assets | 0.8419% | 4,114 |
| Return on Equity (ROE) | 6.4399% | 3,558 |
| Retained earnings to average equity (ytd only) | 1.0763% | 4,603 |
| Net charge-offs to loans | 0.1129% | 1,931 |
| Credit loss provision to net charge-offs | 148.6486% | 1,799 |
| Earnings coverage of net charge-offs (x) | 16.1081% | 2,202 |
| Efficiency ratio | 78.8877% | 1,239 |
| Assets per employee ($millions) | 3.0693% | 5,146 |
| Cash dividends to net income (ytd only)* | 83.2869% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5199% | 5,365 |
| Loan loss allowance to noncurrent loans | 107.8788% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 3,857 |
| Noncurrent loans to loans | 0.4820% | 3,071 |
| Net loans and leases to total assets | 52.8384% | 4,455 |
| Net loans and leases to deposits | 58.0712% | 4,687 |
| Net loans and leases to core deposits | 58.3438% | 4,835 |
| Total domestic deposits to total assets | 90.9891% | 241 |
| Equity capital to assets | 8.6712% | 4,975 |
| Core capital (leverage) ratio | 8.6281% | 5,016 |
| Tier 1 risk-based capital ratio | 19.1838% | 1,474 |
| Total risk-based capital ratio | 19.7947% | 1,589 |
| Memoranda: | ||
| Average total assets | $64,257,000 | 4,873 |
| Average earning assets | $61,312,400 | 4,833 |
| Average equity | $5,574,600 | 5,171 |
| Average total loans | $32,766,600 | 4,931 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 4,444 |
| Cost of funding earning assets | 0.0544% | 5,674 |
| Net interest margin | 3.5950% | 3,173 |
| Noninterest income to average assets | 0.8514% | 1,421 |
| Noninterest expense to average assets | 3.4346% | 1,093 |
| Loan and lease loss provision to assets | 0.0997% | 2,118 |
| Net operating income to assets | 0.4984% | 4,734 |
| Return on assets (ROA) | 0.4984% | 4,773 |
| Pretax return on assets | 0.7496% | 4,487 |
| Return on Equity (ROE) | 5.7439% | 4,229 |
| Retained earnings to average equity (ytd only) | -1.4120% | 5,386 |
| Net charge-offs to loans | 0.1605% | 1,278 |
| Credit loss provision to net charge-offs | 123.0769% | 1,976 |
| Earnings coverage of net charge-offs (x) | 10.4869% | 2,589 |
| Efficiency ratio | 80.1745% | 1,080 |
| Assets per employee ($millions) | 3.0832% | 5,193 |
| Cash dividends to net income (ytd only)* | 124.5851% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5127% | 5,444 |
| Loan loss allowance to noncurrent loans | 68.1452% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 3,497 |
| Noncurrent loans to loans | 0.7524% | 2,483 |
| Net loans and leases to total assets | 50.6479% | 4,660 |
| Net loans and leases to deposits | 55.5418% | 4,891 |
| Net loans and leases to core deposits | 55.8008% | 5,006 |
| Total domestic deposits to total assets | 91.1888% | 144 |
| Equity capital to assets | 8.4483% | 5,318 |
| Core capital (leverage) ratio | 8.4540% | 5,272 |
| Tier 1 risk-based capital ratio | 19.5406% | 1,468 |
| Total risk-based capital ratio | 20.1443% | 1,577 |
| Memoranda: | ||
| Average total assets | $64,207,500 | 4,928 |
| Average earning assets | $61,305,250 | 4,882 |
| Average equity | $5,571,000 | 5,230 |
| Average total loans | $32,399,500 | 4,996 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 4,522 |
| Cost of funding earning assets | 0.0491% | 5,722 |
| Net interest margin | 3.5473% | 3,224 |
| Noninterest income to average assets | 0.8153% | 1,515 |
| Noninterest expense to average assets | 3.4423% | 1,093 |
| Loan and lease loss provision to assets | 0.0562% | 2,849 |
| Net operating income to assets | 0.4685% | 4,797 |
| Return on assets (ROA) | 0.4685% | 4,822 |
| Pretax return on assets | 0.7028% | 4,539 |
| Return on Equity (ROE) | 5.3527% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.3527% | 2,495 |
| Net charge-offs to loans | 0.1056% | 1,575 |
| Credit loss provision to net charge-offs | 105.8824% | 1,939 |
| Earnings coverage of net charge-offs (x) | 14.2941% | 2,081 |
| Efficiency ratio | 81.9331% | 1,014 |
| Assets per employee ($millions) | 2.9336% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4941% | 5,526 |
| Loan loss allowance to noncurrent loans | 92.0000% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 4,037 |
| Noncurrent loans to loans | 0.5371% | 3,147 |
| Net loans and leases to total assets | 50.2363% | 4,693 |
| Net loans and leases to deposits | 55.3248% | 4,886 |
| Net loans and leases to core deposits | 55.5847% | 5,017 |
| Total domestic deposits to total assets | 90.8025% | 270 |
| Equity capital to assets | 8.7993% | 5,071 |
| Core capital (leverage) ratio | 8.7424% | 5,012 |
| Tier 1 risk-based capital ratio | 20.6112% | 1,257 |
| Total risk-based capital ratio | 21.1955% | 1,341 |
| Memoranda: | ||
| Average total assets | $64,027,670 | 4,970 |
| Average earning assets | $61,117,000 | 4,919 |
| Average equity | $5,604,670 | 5,252 |
| Average total loans | $32,212,000 | 5,036 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 4,501 |
| Cost of funding earning assets | 0.0461% | 5,794 |
| Net interest margin | 3.5221% | 3,190 |
| Noninterest income to average assets | 0.7652% | 1,688 |
| Noninterest expense to average assets | 3.3181% | 1,351 |
| Loan and lease loss provision to assets | 0.0753% | 2,302 |
| Net operating income to assets | 0.4830% | 4,661 |
| Return on assets (ROA) | 0.4830% | 4,686 |
| Pretax return on assets | 0.7276% | 4,353 |
| Return on Equity (ROE) | 5.5321% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.5321% | 2,581 |
| Net charge-offs to loans | 0.1873% | 909 |
| Credit loss provision to net charge-offs | 80.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 8.5333% | 2,055 |
| Efficiency ratio | 80.5175% | 1,318 |
| Assets per employee ($millions) | 2.9425% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4869% | 5,607 |
| Loan loss allowance to noncurrent loans | 96.9136% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 4,207 |
| Noncurrent loans to loans | 0.5025% | 3,302 |
| Net loans and leases to total assets | 49.5636% | 4,712 |
| Net loans and leases to deposits | 54.4802% | 4,905 |
| Net loans and leases to core deposits | 54.7348% | 5,034 |
| Total domestic deposits to total assets | 90.9755% | 308 |
| Equity capital to assets | 8.6599% | 5,101 |
| Core capital (leverage) ratio | 8.8808% | 4,867 |
| Tier 1 risk-based capital ratio | 20.5785% | 1,287 |
| Total risk-based capital ratio | 21.1548% | 1,382 |
| Memoranda: | ||
| Average total assets | $63,772,000 | 5,040 |
| Average earning assets | $60,760,000 | 4,978 |
| Average equity | $5,567,500 | 5,311 |
| Average total loans | $32,026,500 | 5,092 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 4,607 |
| Cost of funding earning assets | 0.0509% | 5,835 |
| Net interest margin | 3.5121% | 3,381 |
| Noninterest income to average assets | 0.8388% | 1,619 |
| Noninterest expense to average assets | 3.4724% | 1,217 |
| Loan and lease loss provision to assets | 0.0188% | 4,000 |
| Net operating income to assets | 0.4648% | 4,755 |
| Return on assets (ROA) | 0.4648% | 4,836 |
| Pretax return on assets | 0.6948% | 4,506 |
| Return on Equity (ROE) | 5.3523% | 4,251 |
| Retained earnings to average equity (ytd only) | -0.0360% | 5,312 |
| Net charge-offs to loans | 0.0822% | 2,509 |
| Credit loss provision to net charge-offs | 46.1538% | 3,425 |
| Earnings coverage of net charge-offs (x) | 17.5385% | 2,037 |
| Efficiency ratio | 82.9533% | 1,099 |
| Assets per employee ($millions) | 2.7308% | 5,540 |
| Cash dividends to net income (ytd only)* | 100.6734% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5030% | 5,656 |
| Loan loss allowance to noncurrent loans | 93.0233% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 4,189 |
| Noncurrent loans to loans | 0.5407% | 3,226 |
| Net loans and leases to total assets | 50.3925% | 4,739 |
| Net loans and leases to deposits | 55.4522% | 4,946 |
| Net loans and leases to core deposits | 55.7197% | 5,057 |
| Total domestic deposits to total assets | 90.8755% | 320 |
| Equity capital to assets | 8.8029% | 5,007 |
| Core capital (leverage) ratio | 8.6069% | 5,165 |
| Tier 1 risk-based capital ratio | 20.8500% | 1,237 |
| Total risk-based capital ratio | 21.4534% | 1,318 |
| Memoranda: | ||
| Average total assets | $63,904,000 | 5,051 |
| Average earning assets | $60,904,200 | 4,997 |
| Average equity | $5,549,000 | 5,356 |
| Average total loans | $31,623,400 | 5,146 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5388% | 4,713 |
| Cost of funding earning assets | 0.0502% | 5,903 |
| Net interest margin | 3.4887% | 3,512 |
| Noninterest income to average assets | 0.8352% | 1,626 |
| Noninterest expense to average assets | 3.4590% | 1,226 |
| Loan and lease loss provision to assets | 0.0062% | 4,103 |
| Net operating income to assets | 0.4654% | 4,820 |
| Return on assets (ROA) | 0.4654% | 4,895 |
| Pretax return on assets | 0.6939% | 4,625 |
| Return on Equity (ROE) | 5.3774% | 4,357 |
| Retained earnings to average equity (ytd only) | -1.8005% | 5,584 |
| Net charge-offs to loans | 0.0845% | 2,119 |
| Credit loss provision to net charge-offs | 15.0000% | 3,328 |
| Earnings coverage of net charge-offs (x) | 16.8474% | 2,088 |
| Efficiency ratio | 83.1668% | 1,056 |
| Assets per employee ($millions) | 2.8277% | 5,530 |
| Cash dividends to net income (ytd only)* | 133.4829% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5070% | 5,725 |
| Loan loss allowance to noncurrent loans | 102.6144% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 4,505 |
| Noncurrent loans to loans | 0.4941% | 3,519 |
| Net loans and leases to total assets | 47.3738% | 5,004 |
| Net loans and leases to deposits | 51.9272% | 5,204 |
| Net loans and leases to core deposits | 52.3899% | 5,300 |
| Total domestic deposits to total assets | 91.2313% | 154 |
| Equity capital to assets | 8.3889% | 5,588 |
| Core capital (leverage) ratio | 8.3119% | 5,494 |
| Tier 1 risk-based capital ratio | 21.0518% | 1,261 |
| Total risk-based capital ratio | 21.6576% | 1,340 |
| Memoranda: | ||
| Average total assets | $64,177,750 | 5,092 |
| Average earning assets | $61,148,500 | 5,034 |
| Average equity | $5,554,000 | 5,411 |
| Average total loans | $31,576,500 | 5,198 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5300% | 4,787 |
| Cost of funding earning assets | 0.0493% | 5,987 |
| Net interest margin | 3.4807% | 3,561 |
| Noninterest income to average assets | 0.8358% | 1,595 |
| Noninterest expense to average assets | 3.4809% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4508% | 4,867 |
| Return on assets (ROA) | 0.4508% | 4,956 |
| Pretax return on assets | 0.6699% | 4,710 |
| Return on Equity (ROE) | 5.1551% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.1551% | 2,626 |
| Net charge-offs to loans | 0.1133% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.8889% | 2,223 |
| Efficiency ratio | 83.8612% | 1,062 |
| Assets per employee ($millions) | 2.8140% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4976% | 5,800 |
| Loan loss allowance to noncurrent loans | 138.0531% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 4,801 |
| Noncurrent loans to loans | 0.3604% | 4,078 |
| Net loans and leases to total assets | 48.2000% | 4,975 |
| Net loans and leases to deposits | 53.0472% | 5,196 |
| Net loans and leases to core deposits | 53.5030% | 5,301 |
| Total domestic deposits to total assets | 90.8625% | 217 |
| Equity capital to assets | 8.7451% | 5,442 |
| Core capital (leverage) ratio | 8.7988% | 5,059 |
| Tier 1 risk-based capital ratio | 21.4321% | 1,206 |
| Total risk-based capital ratio | 22.0228% | 1,280 |
| Memoranda: | ||
| Average total assets | $63,891,000 | 5,150 |
| Average earning assets | $60,849,000 | 5,088 |
| Average equity | $5,586,670 | 5,460 |
| Average total loans | $31,779,330 | 5,236 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 4,813 |
| Cost of funding earning assets | 0.0527% | 6,046 |
| Net interest margin | 3.4774% | 3,565 |
| Noninterest income to average assets | 0.8381% | 1,482 |
| Noninterest expense to average assets | 3.5352% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4159% | 4,945 |
| Return on assets (ROA) | 0.4159% | 5,020 |
| Pretax return on assets | 0.6302% | 4,732 |
| Return on Equity (ROE) | 4.7568% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.7568% | 3,087 |
| Net charge-offs to loans | 0.1125% | 1,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.1111% | 1,881 |
| Efficiency ratio | 84.8714% | 1,079 |
| Assets per employee ($millions) | 2.6545% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5242% | 5,840 |
| Loan loss allowance to noncurrent loans | 191.8605% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 5,035 |
| Noncurrent loans to loans | 0.2732% | 4,456 |
| Net loans and leases to total assets | 49.1516% | 4,880 |
| Net loans and leases to deposits | 54.0988% | 5,097 |
| Net loans and leases to core deposits | 54.5702% | 5,208 |
| Total domestic deposits to total assets | 90.8553% | 311 |
| Equity capital to assets | 8.7633% | 5,373 |
| Core capital (leverage) ratio | 8.7943% | 5,082 |
| Tier 1 risk-based capital ratio | 21.5103% | 1,232 |
| Total risk-based capital ratio | 22.1460% | 1,305 |
| Memoranda: | ||
| Average total assets | $63,475,500 | 5,210 |
| Average earning assets | $60,735,500 | 5,136 |
| Average equity | $5,550,000 | 5,505 |
| Average total loans | $31,993,000 | 5,269 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 4,601 |
| Cost of funding earning assets | 0.0731% | 6,057 |
| Net interest margin | 3.5530% | 3,313 |
| Noninterest income to average assets | 0.8436% | 1,626 |
| Noninterest expense to average assets | 3.3806% | 1,529 |
| Loan and lease loss provision to assets | 0.0334% | 3,690 |
| Net operating income to assets | 0.5475% | 4,509 |
| Return on assets (ROA) | 0.5475% | 4,605 |
| Pretax return on assets | 0.8324% | 4,100 |
| Return on Equity (ROE) | 6.2154% | 3,946 |
| Retained earnings to average equity (ytd only) | 0.5962% | 5,278 |
| Net charge-offs to loans | 0.0092% | 4,135 |
| Credit loss provision to net charge-offs | 700.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 181.3333% | 363 |
| Efficiency ratio | 79.6102% | 1,726 |
| Assets per employee ($millions) | 2.7497% | 5,736 |
| Cash dividends to net income (ytd only)* | 90.4070% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 5,892 |
| Loan loss allowance to noncurrent loans | 255.8824% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 5,166 |
| Noncurrent loans to loans | 0.2092% | 4,667 |
| Net loans and leases to total assets | 51.1258% | 4,765 |
| Net loans and leases to deposits | 56.2254% | 5,028 |
| Net loans and leases to core deposits | 56.2254% | 5,188 |
| Total domestic deposits to total assets | 90.9301% | 299 |
| Equity capital to assets | 8.7236% | 5,370 |
| Core capital (leverage) ratio | 8.5665% | 5,361 |
| Tier 1 risk-based capital ratio | 20.6885% | 1,349 |
| Total risk-based capital ratio | 21.3410% | 1,444 |
| Memoranda: | ||
| Average total assets | $62,828,800 | 5,243 |
| Average earning assets | $60,174,200 | 5,183 |
| Average equity | $5,534,600 | 5,533 |
| Average total loans | $32,436,800 | 5,280 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6381% | 4,615 |
| Cost of funding earning assets | 0.0799% | 6,121 |
| Net interest margin | 3.5582% | 3,309 |
| Noninterest income to average assets | 0.8609% | 1,579 |
| Noninterest expense to average assets | 3.3670% | 1,541 |
| Loan and lease loss provision to assets | 0.0319% | 3,601 |
| Net operating income to assets | 0.5739% | 4,507 |
| Return on assets (ROA) | 0.5739% | 4,602 |
| Pretax return on assets | 0.8715% | 4,087 |
| Return on Equity (ROE) | 6.4992% | 3,906 |
| Retained earnings to average equity (ytd only) | -0.9870% | 5,759 |
| Net charge-offs to loans | 0.0041% | 4,040 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 426.0526% | 172 |
| Efficiency ratio | 78.8452% | 1,837 |
| Assets per employee ($millions) | 2.9625% | 5,588 |
| Cash dividends to net income (ytd only)* | 115.1865% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5278% | 5,989 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 5,692 |
| Noncurrent loans to loans | 0.0528% | 5,407 |
| Net loans and leases to total assets | 49.1592% | 5,005 |
| Net loans and leases to deposits | 53.8579% | 5,259 |
| Net loans and leases to core deposits | 54.0861% | 5,399 |
| Total domestic deposits to total assets | 91.2757% | 189 |
| Equity capital to assets | 8.3500% | 5,801 |
| Core capital (leverage) ratio | 8.4650% | 5,578 |
| Tier 1 risk-based capital ratio | 20.6473% | 1,413 |
| Total risk-based capital ratio | 21.2923% | 1,503 |
| Memoranda: | ||
| Average total assets | $62,725,500 | 5,315 |
| Average earning assets | $60,103,500 | 5,247 |
| Average equity | $5,539,000 | 5,604 |
| Average total loans | $32,419,250 | 5,343 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6651% | 4,525 |
| Cost of funding earning assets | 0.0810% | 6,193 |
| Net interest margin | 3.5841% | 3,155 |
| Noninterest income to average assets | 0.8270% | 1,671 |
| Noninterest expense to average assets | 3.3856% | 1,501 |
| Loan and lease loss provision to assets | 0.0452% | 3,209 |
| Net operating income to assets | 0.5427% | 4,589 |
| Return on assets (ROA) | 0.5427% | 4,700 |
| Pretax return on assets | 0.8270% | 4,219 |
| Return on Equity (ROE) | 6.0309% | 4,113 |
| Retained earnings to average equity (ytd only) | 6.0309% | 2,229 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5144% | 1,835 |
| Assets per employee ($millions) | 2.8915% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5237% | 6,065 |
| Loan loss allowance to noncurrent loans | 944.4444% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 5,770 |
| Noncurrent loans to loans | 0.0554% | 5,517 |
| Net loans and leases to total assets | 50.7640% | 4,864 |
| Net loans and leases to deposits | 55.9566% | 5,120 |
| Net loans and leases to core deposits | 56.4565% | 5,281 |
| Total domestic deposits to total assets | 90.7203% | 379 |
| Equity capital to assets | 8.8851% | 5,353 |
| Core capital (leverage) ratio | 8.8862% | 5,110 |
| Tier 1 risk-based capital ratio | 20.9163% | 1,385 |
| Total risk-based capital ratio | 21.5454% | 1,462 |
| Memoranda: | ||
| Average total assets | $61,909,330 | 5,397 |
| Average earning assets | $59,261,000 | 5,326 |
| Average equity | $5,571,330 | 5,646 |
| Average total loans | $32,489,330 | 5,390 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 4,452 |
| Cost of funding earning assets | 0.0821% | 6,259 |
| Net interest margin | 3.5929% | 3,035 |
| Noninterest income to average assets | 0.8189% | 1,637 |
| Noninterest expense to average assets | 3.3673% | 1,558 |
| Loan and lease loss provision to assets | -0.0524% | 6,165 |
| Net operating income to assets | 0.6224% | 4,185 |
| Return on assets (ROA) | 0.6224% | 4,281 |
| Pretax return on assets | 0.9434% | 3,723 |
| Return on Equity (ROE) | 6.8704% | 3,572 |
| Retained earnings to average equity (ytd only) | 6.8704% | 2,068 |
| Net charge-offs to loans | -0.0615% | 5,625 |
| Credit loss provision to net charge-offs | 160.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0769% | 2,022 |
| Assets per employee ($millions) | 2.7236% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 6,184 |
| Loan loss allowance to noncurrent loans | 637.5000% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 5,784 |
| Noncurrent loans to loans | 0.0749% | 5,472 |
| Net loans and leases to total assets | 50.9179% | 4,754 |
| Net loans and leases to deposits | 56.1243% | 5,040 |
| Net loans and leases to core deposits | 56.6335% | 5,214 |
| Total domestic deposits to total assets | 90.7235% | 463 |
| Equity capital to assets | 8.9046% | 5,390 |
| Core capital (leverage) ratio | 9.2689% | 4,628 |
| Tier 1 risk-based capital ratio | 20.6669% | 1,488 |
| Total risk-based capital ratio | 21.2338% | 1,593 |
| Memoranda: | ||
| Average total assets | $61,058,000 | 5,481 |
| Average earning assets | $58,448,500 | 5,402 |
| Average equity | $5,531,000 | 5,711 |
| Average total loans | $32,503,000 | 5,418 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 4,362 |
| Cost of funding earning assets | 0.1012% | 6,323 |
| Net interest margin | 3.7371% | 2,854 |
| Noninterest income to average assets | 0.8681% | 1,613 |
| Noninterest expense to average assets | 3.4675% | 1,556 |
| Loan and lease loss provision to assets | 0.0406% | 3,764 |
| Net operating income to assets | 0.6058% | 4,341 |
| Return on assets (ROA) | 0.6058% | 4,437 |
| Pretax return on assets | 0.9223% | 3,817 |
| Return on Equity (ROE) | 6.5307% | 3,881 |
| Retained earnings to average equity (ytd only) | 1.0945% | 5,281 |
| Net charge-offs to loans | 0.0806% | 3,340 |
| Credit loss provision to net charge-offs | 92.3077% | 2,592 |
| Earnings coverage of net charge-offs (x) | 21.8846% | 1,655 |
| Efficiency ratio | 78.2659% | 2,172 |
| Assets per employee ($millions) | 2.7034% | 6,021 |
| Cash dividends to net income (ytd only)* | 83.2402% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4733% | 6,276 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 5,505 |
| Noncurrent loans to loans | 0.2367% | 4,983 |
| Net loans and leases to total assets | 55.1518% | 4,431 |
| Net loans and leases to deposits | 60.9820% | 4,810 |
| Net loans and leases to core deposits | 61.3137% | 5,057 |
| Total domestic deposits to total assets | 90.4395% | 562 |
| Equity capital to assets | 9.2208% | 5,041 |
| Core capital (leverage) ratio | 8.9576% | 5,053 |
| Tier 1 risk-based capital ratio | 20.1541% | 1,563 |
| Total risk-based capital ratio | 20.7292% | 1,696 |
| Memoranda: | ||
| Average total assets | $59,091,800 | 5,571 |
| Average earning assets | $56,327,600 | 5,510 |
| Average equity | $5,481,800 | 5,745 |
| Average total loans | $32,272,800 | 5,473 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 4,425 |
| Cost of funding earning assets | 0.1046% | 6,398 |
| Net interest margin | 3.7290% | 2,908 |
| Noninterest income to average assets | 0.8588% | 1,667 |
| Noninterest expense to average assets | 3.4691% | 1,532 |
| Loan and lease loss provision to assets | 0.0181% | 4,046 |
| Net operating income to assets | 0.6034% | 4,433 |
| Return on assets (ROA) | 0.6034% | 4,521 |
| Pretax return on assets | 0.9175% | 3,912 |
| Return on Equity (ROE) | 6.4947% | 3,966 |
| Retained earnings to average equity (ytd only) | -0.7540% | 5,922 |
| Net charge-offs to loans | 0.0623% | 3,315 |
| Credit loss provision to net charge-offs | 53.3333% | 3,053 |
| Earnings coverage of net charge-offs (x) | 27.5995% | 1,445 |
| Efficiency ratio | 78.7583% | 2,079 |
| Assets per employee ($millions) | 2.5910% | 6,158 |
| Cash dividends to net income (ytd only)* | 111.6099% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4578% | 6,373 |
| Loan loss allowance to noncurrent loans | 520.6897% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 5,965 |
| Noncurrent loans to loans | 0.0879% | 5,682 |
| Net loans and leases to total assets | 55.0988% | 4,448 |
| Net loans and leases to deposits | 60.8709% | 4,862 |
| Net loans and leases to core deposits | 61.4876% | 5,076 |
| Total domestic deposits to total assets | 90.5173% | 521 |
| Equity capital to assets | 9.0480% | 5,305 |
| Core capital (leverage) ratio | 8.9600% | 5,120 |
| Tier 1 risk-based capital ratio | 19.9606% | 1,683 |
| Total risk-based capital ratio | 20.5214% | 1,806 |
| Memoranda: | ||
| Average total assets | $58,996,250 | 5,634 |
| Average earning assets | $56,098,750 | 5,578 |
| Average equity | $5,481,250 | 5,807 |
| Average total loans | $32,101,750 | 5,536 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 4,422 |
| Cost of funding earning assets | 0.1077% | 6,458 |
| Net interest margin | 3.7196% | 2,881 |
| Noninterest income to average assets | 0.8606% | 1,620 |
| Noninterest expense to average assets | 3.4593% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6089% | 4,316 |
| Return on assets (ROA) | 0.6089% | 4,409 |
| Pretax return on assets | 0.9252% | 3,784 |
| Return on Equity (ROE) | 6.4961% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.4961% | 2,040 |
| Net charge-offs to loans | 0.0063% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 251 |
| Efficiency ratio | 78.8984% | 2,183 |
| Assets per employee ($millions) | 2.5632% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4779% | 6,439 |
| Loan loss allowance to noncurrent loans | 785.0000% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 6,102 |
| Noncurrent loans to loans | 0.0609% | 5,847 |
| Net loans and leases to total assets | 55.4577% | 4,352 |
| Net loans and leases to deposits | 61.5927% | 4,732 |
| Net loans and leases to core deposits | 62.2257% | 4,953 |
| Total domestic deposits to total assets | 90.0395% | 789 |
| Equity capital to assets | 9.5025% | 4,743 |
| Core capital (leverage) ratio | 9.5608% | 4,238 |
| Tier 1 risk-based capital ratio | 20.7808% | 1,489 |
| Total risk-based capital ratio | 21.3650% | 1,629 |
| Memoranda: | ||
| Average total assets | $58,797,330 | 5,694 |
| Average earning assets | $55,704,330 | 5,635 |
| Average equity | $5,511,000 | 5,831 |
| Average total loans | $31,807,000 | 5,586 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 4,521 |
| Cost of funding earning assets | 0.1079% | 6,539 |
| Net interest margin | 3.6833% | 2,937 |
| Noninterest income to average assets | 0.8379% | 1,609 |
| Noninterest expense to average assets | 3.4537% | 1,584 |
| Loan and lease loss provision to assets | -0.0136% | 6,409 |
| Net operating income to assets | 0.5790% | 4,304 |
| Return on assets (ROA) | 0.5790% | 4,373 |
| Pretax return on assets | 0.8856% | 3,753 |
| Return on Equity (ROE) | 6.2208% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.2208% | 2,425 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8425% | 2,235 |
| Assets per employee ($millions) | 2.5976% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4932% | 6,510 |
| Loan loss allowance to noncurrent loans | 650.0000% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 6,171 |
| Noncurrent loans to loans | 0.0759% | 5,912 |
| Net loans and leases to total assets | 52.6822% | 4,580 |
| Net loans and leases to deposits | 58.2989% | 4,912 |
| Net loans and leases to core deposits | 58.8890% | 5,136 |
| Total domestic deposits to total assets | 90.3657% | 880 |
| Equity capital to assets | 9.2192% | 4,854 |
| Core capital (leverage) ratio | 9.4677% | 4,329 |
| Tier 1 risk-based capital ratio | 21.3718% | 1,404 |
| Total risk-based capital ratio | 21.9794% | 1,502 |
| Memoranda: | ||
| Average total assets | $58,719,500 | 5,747 |
| Average earning assets | $55,602,000 | 5,683 |
| Average equity | $5,465,500 | 5,876 |
| Average total loans | $31,285,000 | 5,661 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 4,489 |
| Cost of funding earning assets | 0.1453% | 6,556 |
| Net interest margin | 3.7468% | 2,866 |
| Noninterest income to average assets | 0.8310% | 1,931 |
| Noninterest expense to average assets | 3.5658% | 1,520 |
| Loan and lease loss provision to assets | -0.0194% | 6,295 |
| Net operating income to assets | 0.5505% | 4,502 |
| Return on assets (ROA) | 0.5505% | 4,631 |
| Pretax return on assets | 0.8346% | 4,019 |
| Return on Equity (ROE) | 5.7319% | 4,255 |
| Retained earnings to average equity (ytd only) | 0.2572% | 5,732 |
| Net charge-offs to loans | 0.0198% | 5,037 |
| Credit loss provision to net charge-offs | -183.3333% | 5,979 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 564 |
| Efficiency ratio | 81.3935% | 1,965 |
| Assets per employee ($millions) | 2.5084% | 6,398 |
| Cash dividends to net income (ytd only)* | 95.5128% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5107% | 6,563 |
| Loan loss allowance to noncurrent loans | 222.5352% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 5,958 |
| Noncurrent loans to loans | 0.2295% | 5,497 |
| Net loans and leases to total assets | 53.3522% | 4,670 |
| Net loans and leases to deposits | 59.1340% | 5,021 |
| Net loans and leases to core deposits | 59.4653% | 5,257 |
| Total domestic deposits to total assets | 90.2226% | 955 |
| Equity capital to assets | 9.3996% | 4,544 |
| Core capital (leverage) ratio | 9.3989% | 4,414 |
| Tier 1 risk-based capital ratio | 21.3884% | 1,359 |
| Total risk-based capital ratio | 22.0141% | 1,451 |
| Memoranda: | ||
| Average total assets | $56,676,600 | 5,843 |
| Average earning assets | $53,699,600 | 5,776 |
| Average equity | $5,443,200 | 5,950 |
| Average total loans | $30,277,400 | 5,749 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 4,537 |
| Cost of funding earning assets | 0.1522% | 6,631 |
| Net interest margin | 3.7386% | 2,892 |
| Noninterest income to average assets | 0.8271% | 2,022 |
| Noninterest expense to average assets | 3.5635% | 1,471 |
| Loan and lease loss provision to assets | -0.0047% | 6,456 |
| Net operating income to assets | 0.5341% | 4,645 |
| Return on assets (ROA) | 0.5341% | 4,804 |
| Pretax return on assets | 0.8082% | 4,259 |
| Return on Equity (ROE) | 5.5308% | 4,455 |
| Retained earnings to average equity (ytd only) | -1.7620% | 6,235 |
| Net charge-offs to loans | 0.0576% | 4,083 |
| Credit loss provision to net charge-offs | -15.3846% | 5,627 |
| Earnings coverage of net charge-offs (x) | 26.1581% | 1,359 |
| Efficiency ratio | 81.6017% | 1,884 |
| Assets per employee ($millions) | 2.4828% | 6,496 |
| Cash dividends to net income (ytd only)* | 131.8554% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5204% | 6,641 |
| Loan loss allowance to noncurrent loans | 64.0000% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 5,116 |
| Noncurrent loans to loans | 0.8132% | 4,209 |
| Net loans and leases to total assets | 53.5575% | 4,683 |
| Net loans and leases to deposits | 59.3449% | 5,052 |
| Net loans and leases to core deposits | 59.9745% | 5,303 |
| Total domestic deposits to total assets | 90.2478% | 864 |
| Equity capital to assets | 9.3459% | 4,746 |
| Core capital (leverage) ratio | 9.3319% | 4,646 |
| Tier 1 risk-based capital ratio | 20.9030% | 1,511 |
| Total risk-based capital ratio | 21.5322% | 1,633 |
| Memoranda: | ||
| Average total assets | $56,422,250 | 5,919 |
| Average earning assets | $53,423,250 | 5,844 |
| Average equity | $5,448,250 | 6,023 |
| Average total loans | $30,112,000 | 5,811 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9030% | 4,463 |
| Cost of funding earning assets | 0.1584% | 6,681 |
| Net interest margin | 3.7446% | 2,784 |
| Noninterest income to average assets | 0.8364% | 2,040 |
| Noninterest expense to average assets | 3.5448% | 1,512 |
| Loan and lease loss provision to assets | 0.0071% | 4,705 |
| Net operating income to assets | 0.5410% | 4,602 |
| Return on assets (ROA) | 0.5410% | 4,768 |
| Pretax return on assets | 0.8186% | 4,240 |
| Return on Equity (ROE) | 5.5421% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.5421% | 2,713 |
| Net charge-offs to loans | 0.0468% | 4,022 |
| Credit loss provision to net charge-offs | 28.5714% | 3,613 |
| Earnings coverage of net charge-offs (x) | 33.1429% | 1,066 |
| Efficiency ratio | 81.1075% | 2,011 |
| Assets per employee ($millions) | 2.4692% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5688% | 6,647 |
| Loan loss allowance to noncurrent loans | 414.6341% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 6,286 |
| Noncurrent loans to loans | 0.1372% | 5,981 |
| Net loans and leases to total assets | 52.3296% | 4,814 |
| Net loans and leases to deposits | 58.3458% | 5,133 |
| Net loans and leases to core deposits | 59.2697% | 5,320 |
| Total domestic deposits to total assets | 89.6887% | 1,212 |
| Equity capital to assets | 9.7919% | 4,190 |
| Core capital (leverage) ratio | 9.7202% | 3,907 |
| Tier 1 risk-based capital ratio | 22.0990% | 1,269 |
| Total risk-based capital ratio | 22.7773% | 1,353 |
| Memoranda: | ||
| Average total assets | $56,194,670 | 5,969 |
| Average earning assets | $53,035,670 | 5,894 |
| Average equity | $5,485,330 | 6,047 |
| Average total loans | $29,901,330 | 5,848 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 4,384 |
| Cost of funding earning assets | 0.1743% | 6,702 |
| Net interest margin | 3.7505% | 2,661 |
| Noninterest income to average assets | 0.6584% | 2,826 |
| Noninterest expense to average assets | 3.3634% | 1,920 |
| Loan and lease loss provision to assets | 0.0143% | 4,275 |
| Net operating income to assets | 0.5439% | 4,484 |
| Return on assets (ROA) | 0.5439% | 4,634 |
| Pretax return on assets | 0.8230% | 4,071 |
| Return on Equity (ROE) | 5.5805% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.5805% | 2,910 |
| Net charge-offs to loans | 0.0936% | 2,913 |
| Credit loss provision to net charge-offs | 28.5714% | 2,906 |
| Earnings coverage of net charge-offs (x) | 16.7143% | 1,356 |
| Efficiency ratio | 80.0681% | 2,327 |
| Assets per employee ($millions) | 2.4588% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5645% | 6,744 |
| Loan loss allowance to noncurrent loans | 435.8974% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 6,397 |
| Noncurrent loans to loans | 0.1295% | 6,084 |
| Net loans and leases to total assets | 52.9513% | 4,566 |
| Net loans and leases to deposits | 58.9666% | 4,911 |
| Net loans and leases to core deposits | 59.9032% | 5,156 |
| Total domestic deposits to total assets | 89.7988% | 1,166 |
| Equity capital to assets | 9.6990% | 4,568 |
| Core capital (leverage) ratio | 9.7180% | 3,775 |
| Tier 1 risk-based capital ratio | 21.8096% | 1,370 |
| Total risk-based capital ratio | 22.4884% | 1,456 |
| Memoranda: | ||
| Average total assets | $55,896,000 | 6,023 |
| Average earning assets | $52,793,500 | 5,955 |
| Average equity | $5,447,500 | 6,118 |
| Average total loans | $29,907,500 | 5,897 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 4,411 |
| Cost of funding earning assets | 0.2865% | 6,516 |
| Net interest margin | 3.9598% | 2,566 |
| Noninterest income to average assets | 0.7407% | 2,540 |
| Noninterest expense to average assets | 3.5247% | 1,769 |
| Loan and lease loss provision to assets | 0.0111% | 5,777 |
| Net operating income to assets | 0.5951% | 4,265 |
| Return on assets (ROA) | 0.5951% | 4,525 |
| Pretax return on assets | 0.8973% | 3,932 |
| Return on Equity (ROE) | 5.9563% | 4,193 |
| Retained earnings to average equity (ytd only) | 0.4426% | 5,633 |
| Net charge-offs to loans | 0.0704% | 4,978 |
| Credit loss provision to net charge-offs | 28.5714% | 5,140 |
| Earnings coverage of net charge-offs (x) | 23.4762% | 1,217 |
| Efficiency ratio | 79.5096% | 2,211 |
| Assets per employee ($millions) | 2.5109% | 6,605 |
| Cash dividends to net income (ytd only)* | 92.5697% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5892% | 6,771 |
| Loan loss allowance to noncurrent loans | 388.8889% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,397 |
| Noncurrent loans to loans | 0.1515% | 6,102 |
| Net loans and leases to total assets | 53.4486% | 4,698 |
| Net loans and leases to deposits | 59.5646% | 5,070 |
| Net loans and leases to core deposits | 60.5331% | 5,317 |
| Total domestic deposits to total assets | 89.7321% | 1,106 |
| Equity capital to assets | 9.7936% | 4,458 |
| Core capital (leverage) ratio | 9.7096% | 3,789 |
| Tier 1 risk-based capital ratio | 21.7411% | 1,315 |
| Total risk-based capital ratio | 22.4473% | 1,392 |
| Memoranda: | ||
| Average total assets | $54,274,400 | 6,074 |
| Average earning assets | $50,608,200 | 6,027 |
| Average equity | $5,422,800 | 6,172 |
| Average total loans | $29,837,800 | 5,956 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 4,499 |
| Cost of funding earning assets | 0.3128% | 6,549 |
| Net interest margin | 3.9737% | 2,608 |
| Noninterest income to average assets | 0.7304% | 2,569 |
| Noninterest expense to average assets | 3.5632% | 1,626 |
| Loan and lease loss provision to assets | 0.0123% | 5,659 |
| Net operating income to assets | 0.5675% | 4,532 |
| Return on assets (ROA) | 0.5675% | 4,802 |
| Pretax return on assets | 0.8538% | 4,286 |
| Return on Equity (ROE) | 5.6517% | 4,507 |
| Retained earnings to average equity (ytd only) | -1.6955% | 6,359 |
| Net charge-offs to loans | 0.0893% | 4,485 |
| Credit loss provision to net charge-offs | 25.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | 17.5474% | 1,618 |
| Efficiency ratio | 80.4457% | 2,025 |
| Assets per employee ($millions) | 2.6037% | 6,596 |
| Cash dividends to net income (ytd only)* | 130.0007% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5944% | 6,875 |
| Loan loss allowance to noncurrent loans | 324.0741% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 6,483 |
| Noncurrent loans to loans | 0.1834% | 6,150 |
| Net loans and leases to total assets | 53.5261% | 4,817 |
| Net loans and leases to deposits | 59.6689% | 5,244 |
| Net loans and leases to core deposits | 60.3369% | 5,519 |
| Total domestic deposits to total assets | 89.7052% | 1,004 |
| Equity capital to assets | 9.7224% | 4,896 |
| Core capital (leverage) ratio | 9.7571% | 3,864 |
| Tier 1 risk-based capital ratio | 21.5665% | 1,408 |
| Total risk-based capital ratio | 22.2792% | 1,485 |
| Memoranda: | ||
| Average total assets | $54,033,000 | 6,154 |
| Average earning assets | $50,295,750 | 6,105 |
| Average equity | $5,426,000 | 6,236 |
| Average total loans | $29,872,250 | 6,028 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 4,421 |
| Cost of funding earning assets | 0.3442% | 6,533 |
| Net interest margin | 3.9948% | 2,529 |
| Noninterest income to average assets | 0.7321% | 2,508 |
| Noninterest expense to average assets | 3.5899% | 1,603 |
| Loan and lease loss provision to assets | -0.0111% | 7,028 |
| Net operating income to assets | 0.5723% | 4,486 |
| Return on assets (ROA) | 0.5723% | 4,761 |
| Pretax return on assets | 0.8622% | 4,224 |
| Return on Equity (ROE) | 5.6383% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.6383% | 2,905 |
| Net charge-offs to loans | 0.1066% | 4,116 |
| Credit loss provision to net charge-offs | -18.7500% | 5,941 |
| Earnings coverage of net charge-offs (x) | 14.3125% | 1,721 |
| Efficiency ratio | 80.8368% | 2,058 |
| Assets per employee ($millions) | 2.5322% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5720% | 6,958 |
| Loan loss allowance to noncurrent loans | 417.0732% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 6,628 |
| Noncurrent loans to loans | 0.1372% | 6,315 |
| Net loans and leases to total assets | 53.3550% | 4,905 |
| Net loans and leases to deposits | 59.6883% | 5,265 |
| Net loans and leases to core deposits | 60.0258% | 5,585 |
| Total domestic deposits to total assets | 89.3893% | 1,282 |
| Equity capital to assets | 9.9447% | 4,423 |
| Core capital (leverage) ratio | 9.9124% | 3,549 |
| Tier 1 risk-based capital ratio | 22.0131% | 1,290 |
| Total risk-based capital ratio | 22.6950% | 1,371 |
| Memoranda: | ||
| Average total assets | $53,818,000 | 6,193 |
| Average earning assets | $49,964,670 | 6,159 |
| Average equity | $5,462,670 | 6,251 |
| Average total loans | $30,015,670 | 6,064 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 3,880 |
| Cost of funding earning assets | 0.3777% | 6,511 |
| Net interest margin | 4.1301% | 1,992 |
| Noninterest income to average assets | 0.7036% | 2,646 |
| Noninterest expense to average assets | 3.6238% | 1,514 |
| Loan and lease loss provision to assets | 0.0076% | 5,187 |
| Net operating income to assets | 0.5825% | 4,429 |
| Return on assets (ROA) | 0.5825% | 4,648 |
| Pretax return on assets | 0.8776% | 4,118 |
| Return on Equity (ROE) | 5.6785% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.6785% | 3,154 |
| Net charge-offs to loans | 0.0266% | 4,309 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 562 |
| Efficiency ratio | 80.3691% | 2,156 |
| Assets per employee ($millions) | 2.3469% | 6,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6362% | 6,946 |
| Loan loss allowance to noncurrent loans | 248.6842% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 6,539 |
| Noncurrent loans to loans | 0.2558% | 6,177 |
| Net loans and leases to total assets | 54.6871% | 4,603 |
| Net loans and leases to deposits | 61.3000% | 5,010 |
| Net loans and leases to core deposits | 62.0121% | 5,324 |
| Total domestic deposits to total assets | 89.2123% | 1,548 |
| Equity capital to assets | 10.1189% | 3,965 |
| Core capital (leverage) ratio | 10.0906% | 3,256 |
| Tier 1 risk-based capital ratio | 22.1828% | 1,259 |
| Total risk-based capital ratio | 22.9528% | 1,311 |
| Memoranda: | ||
| Average total assets | $52,873,000 | 6,270 |
| Average earning assets | $48,716,000 | 6,250 |
| Average equity | $5,424,000 | 6,298 |
| Average total loans | $30,076,500 | 6,106 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 3,689 |
| Cost of funding earning assets | 0.5094% | 6,488 |
| Net interest margin | 4.3144% | 1,653 |
| Noninterest income to average assets | 0.9235% | 1,596 |
| Noninterest expense to average assets | 3.7681% | 1,407 |
| Loan and lease loss provision to assets | 0.0285% | 6,214 |
| Net operating income to assets | 0.6651% | 3,661 |
| Return on assets (ROA) | 0.6651% | 3,848 |
| Pretax return on assets | 1.0052% | 3,228 |
| Return on Equity (ROE) | 6.4743% | 3,662 |
| Retained earnings to average equity (ytd only) | 0.4070% | 5,644 |
| Net charge-offs to loans | 0.0264% | 6,067 |
| Credit loss provision to net charge-offs | 187.5000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 439 |
| Efficiency ratio | 78.4725% | 2,529 |
| Assets per employee ($millions) | 2.2508% | 7,050 |
| Cash dividends to net income (ytd only)* | 93.7143% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6241% | 6,991 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,965 |
| Noncurrent loans to loans | 0.0164% | 6,790 |
| Net loans and leases to total assets | 58.4434% | 4,290 |
| Net loans and leases to deposits | 65.7003% | 4,777 |
| Net loans and leases to core deposits | 66.4638% | 5,209 |
| Total domestic deposits to total assets | 88.9546% | 1,566 |
| Equity capital to assets | 10.4041% | 3,647 |
| Core capital (leverage) ratio | 10.3729% | 2,875 |
| Tier 1 risk-based capital ratio | 21.5860% | 1,300 |
| Total risk-based capital ratio | 22.3500% | 1,369 |
| Memoranda: | ||
| Average total assets | $52,626,000 | 6,282 |
| Average earning assets | $47,306,400 | 6,277 |
| Average equity | $5,406,000 | 6,324 |
| Average total loans | $30,288,400 | 6,144 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 3,732 |
| Cost of funding earning assets | 0.5359% | 6,559 |
| Net interest margin | 4.3239% | 1,628 |
| Noninterest income to average assets | 0.9664% | 1,434 |
| Noninterest expense to average assets | 3.7697% | 1,359 |
| Loan and lease loss provision to assets | 0.0378% | 5,965 |
| Net operating income to assets | 0.6788% | 3,724 |
| Return on assets (ROA) | 0.6788% | 3,900 |
| Pretax return on assets | 1.0270% | 3,305 |
| Return on Equity (ROE) | 6.6283% | 3,700 |
| Retained earnings to average equity (ytd only) | -1.4537% | 6,223 |
| Net charge-offs to loans | 0.1146% | 4,872 |
| Credit loss provision to net charge-offs | 57.6923% | 4,860 |
| Earnings coverage of net charge-offs (x) | 16.2287% | 1,410 |
| Efficiency ratio | 77.9749% | 2,549 |
| Assets per employee ($millions) | 2.3273% | 7,057 |
| Cash dividends to net income (ytd only)* | 121.9316% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 7,104 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 7,079 |
| Noncurrent loans to loans | 0.0068% | 6,949 |
| Net loans and leases to total assets | 54.9029% | 5,011 |
| Net loans and leases to deposits | 61.4498% | 5,467 |
| Net loans and leases to core deposits | 62.8279% | 5,731 |
| Total domestic deposits to total assets | 89.3460% | 1,224 |
| Equity capital to assets | 9.9105% | 4,469 |
| Core capital (leverage) ratio | 9.8785% | 3,608 |
| Tier 1 risk-based capital ratio | 21.6480% | 1,347 |
| Total risk-based capital ratio | 22.3524% | 1,412 |
| Memoranda: | ||
| Average total assets | $52,840,500 | 6,321 |
| Average earning assets | $47,271,500 | 6,328 |
| Average equity | $5,411,000 | 6,366 |
| Average total loans | $30,249,250 | 6,208 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 3,661 |
| Cost of funding earning assets | 0.5568% | 6,635 |
| Net interest margin | 4.3350% | 1,551 |
| Noninterest income to average assets | 0.8363% | 1,858 |
| Noninterest expense to average assets | 3.7825% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6158% | 3,978 |
| Return on assets (ROA) | 0.6158% | 4,113 |
| Pretax return on assets | 0.9314% | 3,502 |
| Return on Equity (ROE) | 5.9490% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.9490% | 2,466 |
| Net charge-offs to loans | 0.1312% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 1,640 |
| Efficiency ratio | 80.2419% | 2,353 |
| Assets per employee ($millions) | 2.3153% | 7,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5283% | 7,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 6,999 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 57.2797% | 4,771 |
| Net loans and leases to deposits | 64.5108% | 5,209 |
| Net loans and leases to core deposits | 65.9688% | 5,521 |
| Total domestic deposits to total assets | 88.7908% | 1,673 |
| Equity capital to assets | 10.3773% | 3,656 |
| Core capital (leverage) ratio | 10.3453% | 2,887 |
| Tier 1 risk-based capital ratio | 21.0400% | 1,409 |
| Total risk-based capital ratio | 21.6589% | 1,502 |
| Memoranda: | ||
| Average total assets | $52,611,000 | 6,385 |
| Average earning assets | $47,058,670 | 6,398 |
| Average equity | $5,446,330 | 6,388 |
| Average total loans | $30,478,670 | 6,256 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 3,293 |
| Cost of funding earning assets | 0.5798% | 6,691 |
| Net interest margin | 4.3786% | 1,342 |
| Noninterest income to average assets | 0.8338% | 1,908 |
| Noninterest expense to average assets | 3.7253% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6502% | 3,748 |
| Return on assets (ROA) | 0.6502% | 3,824 |
| Pretax return on assets | 0.9791% | 3,205 |
| Return on Equity (ROE) | 6.2887% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.2887% | 2,468 |
| Net charge-offs to loans | 0.0658% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 957 |
| Efficiency ratio | 79.1870% | 2,666 |
| Assets per employee ($millions) | 2.3021% | 7,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5826% | 7,223 |
| Loan loss allowance to noncurrent loans | 413.9535% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 6,957 |
| Noncurrent loans to loans | 0.1407% | 6,692 |
| Net loans and leases to total assets | 57.3714% | 4,740 |
| Net loans and leases to deposits | 64.5454% | 5,182 |
| Net loans and leases to core deposits | 66.0040% | 5,510 |
| Total domestic deposits to total assets | 88.8853% | 1,849 |
| Equity capital to assets | 10.2912% | 3,423 |
| Core capital (leverage) ratio | 10.2556% | 2,858 |
| Tier 1 risk-based capital ratio | 21.7311% | 1,275 |
| Total risk-based capital ratio | 22.4438% | 1,333 |
| Memoranda: | ||
| Average total assets | $52,291,000 | 6,445 |
| Average earning assets | $46,224,500 | 6,481 |
| Average equity | $5,406,500 | 6,417 |
| Average total loans | $30,386,000 | 6,318 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4183% | 2,589 |
| Cost of funding earning assets | 0.7331% | 6,785 |
| Net interest margin | 4.6852% | 843 |
| Noninterest income to average assets | 0.9509% | 1,672 |
| Noninterest expense to average assets | 3.8307% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8770% | 2,475 |
| Return on assets (ROA) | 0.8770% | 2,615 |
| Pretax return on assets | 1.3203% | 1,883 |
| Return on Equity (ROE) | 8.4201% | 2,526 |
| Retained earnings to average equity (ytd only) | 1.7363% | 4,642 |
| Net charge-offs to loans | 0.0064% | 6,781 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 339.5000% | 68 |
| Efficiency ratio | 74.3677% | 3,326 |
| Assets per employee ($millions) | 2.4588% | 7,066 |
| Cash dividends to net income (ytd only)* | 79.3792% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6056% | 7,257 |
| Loan loss allowance to noncurrent loans | 425.5814% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 7,029 |
| Noncurrent loans to loans | 0.1423% | 6,789 |
| Net loans and leases to total assets | 58.1671% | 5,004 |
| Net loans and leases to deposits | 65.4892% | 5,454 |
| Net loans and leases to core deposits | 67.0028% | 5,774 |
| Total domestic deposits to total assets | 88.8194% | 1,760 |
| Equity capital to assets | 10.3885% | 3,285 |
| Core capital (leverage) ratio | 10.3486% | 2,721 |
| Tier 1 risk-based capital ratio | 21.5746% | 1,235 |
| Total risk-based capital ratio | 22.3138% | 1,285 |
| Memoranda: | ||
| Average total assets | $51,426,400 | 6,486 |
| Average earning assets | $46,103,000 | 6,509 |
| Average equity | $5,356,200 | 6,549 |
| Average total loans | $31,493,200 | 6,338 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4509% | 2,642 |
| Cost of funding earning assets | 0.7561% | 6,895 |
| Net interest margin | 4.6948% | 853 |
| Noninterest income to average assets | 0.9680% | 1,560 |
| Noninterest expense to average assets | 3.8617% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8954% | 2,631 |
| Return on assets (ROA) | 0.8954% | 2,780 |
| Pretax return on assets | 1.3443% | 2,053 |
| Return on Equity (ROE) | 8.5911% | 2,651 |
| Retained earnings to average equity (ytd only) | -0.3237% | 5,864 |
| Net charge-offs to loans | 0.0084% | 6,547 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 258.6704% | 128 |
| Efficiency ratio | 74.1775% | 3,295 |
| Assets per employee ($millions) | 2.2434% | 7,349 |
| Cash dividends to net income (ytd only)* | 103.7675% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5847% | 7,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 60.9578% | 4,725 |
| Net loans and leases to deposits | 68.4058% | 5,365 |
| Net loans and leases to core deposits | 69.9935% | 5,751 |
| Total domestic deposits to total assets | 89.1120% | 1,337 |
| Equity capital to assets | 10.1903% | 3,893 |
| Core capital (leverage) ratio | 10.1503% | 3,096 |
| Tier 1 risk-based capital ratio | 20.0306% | 1,541 |
| Total risk-based capital ratio | 20.7385% | 1,616 |
| Memoranda: | ||
| Average total assets | $51,374,500 | 6,562 |
| Average earning assets | $46,376,250 | 6,580 |
| Average equity | $5,354,250 | 6,632 |
| Average total loans | $31,812,250 | 6,405 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4782% | 2,618 |
| Cost of funding earning assets | 0.7789% | 6,976 |
| Net interest margin | 4.6993% | 816 |
| Noninterest income to average assets | 0.9396% | 1,543 |
| Noninterest expense to average assets | 3.8519% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9006% | 2,550 |
| Return on assets (ROA) | 0.9006% | 2,666 |
| Pretax return on assets | 1.3450% | 1,961 |
| Return on Equity (ROE) | 8.5773% | 2,634 |
| Retained earnings to average equity (ytd only) | 8.5773% | 1,239 |
| Net charge-offs to loans | 0.0126% | 6,168 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 172.5000% | 203 |
| Efficiency ratio | 74.1185% | 3,454 |
| Assets per employee ($millions) | 2.2157% | 7,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5845% | 7,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.7413% | 4,734 |
| Net loans and leases to deposits | 69.7155% | 5,323 |
| Net loans and leases to core deposits | 71.3550% | 5,739 |
| Total domestic deposits to total assets | 88.5618% | 1,695 |
| Equity capital to assets | 10.7965% | 3,076 |
| Core capital (leverage) ratio | 10.7562% | 2,430 |
| Tier 1 risk-based capital ratio | 21.2711% | 1,302 |
| Total risk-based capital ratio | 21.9893% | 1,359 |
| Memoranda: | ||
| Average total assets | $51,300,000 | 6,605 |
| Average earning assets | $46,475,000 | 6,610 |
| Average equity | $5,386,330 | 6,654 |
| Average total loans | $31,870,330 | 6,445 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 2,468 |
| Cost of funding earning assets | 0.7908% | 7,115 |
| Net interest margin | 4.7363% | 722 |
| Noninterest income to average assets | 0.9326% | 1,507 |
| Noninterest expense to average assets | 3.8469% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8937% | 2,571 |
| Return on assets (ROA) | 0.8937% | 2,643 |
| Pretax return on assets | 1.3678% | 1,856 |
| Return on Equity (ROE) | 8.6328% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.6328% | 1,497 |
| Net charge-offs to loans | 0.0125% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 193 |
| Efficiency ratio | 73.7705% | 3,606 |
| Assets per employee ($millions) | 2.3353% | 7,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 7,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 61.4049% | 4,873 |
| Net loans and leases to deposits | 69.1039% | 5,460 |
| Net loans and leases to core deposits | 70.7037% | 5,854 |
| Total domestic deposits to total assets | 88.8588% | 1,594 |
| Equity capital to assets | 10.4833% | 3,262 |
| Core capital (leverage) ratio | 10.4432% | 2,679 |
| Tier 1 risk-based capital ratio | 20.8110% | 1,371 |
| Total risk-based capital ratio | 21.5328% | 1,438 |
| Memoranda: | ||
| Average total assets | $51,469,500 | 6,681 |
| Average earning assets | $46,534,000 | 6,681 |
| Average equity | $5,328,500 | 6,730 |
| Average total loans | $31,981,000 | 6,525 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9285% | 2,136 |
| Cost of funding earning assets | 1.1040% | 6,964 |
| Net interest margin | 4.8245% | 657 |
| Noninterest income to average assets | 0.8926% | 1,971 |
| Noninterest expense to average assets | 3.9377% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8666% | 2,291 |
| Return on assets (ROA) | 0.8666% | 2,361 |
| Pretax return on assets | 1.3380% | 1,590 |
| Return on Equity (ROE) | 8.1899% | 2,296 |
| Retained earnings to average equity (ytd only) | 1.4029% | 4,081 |
| Net charge-offs to loans | 0.0032% | 7,205 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 667.0000% | 36 |
| Efficiency ratio | 74.6388% | 3,774 |
| Assets per employee ($millions) | 2.3437% | 7,417 |
| Cash dividends to net income (ytd only)* | 82.8704% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5802% | 7,583 |
| Loan loss allowance to noncurrent loans | 719.2308% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 7,374 |
| Noncurrent loans to loans | 0.0807% | 7,211 |
| Net loans and leases to total assets | 62.1407% | 4,962 |
| Net loans and leases to deposits | 69.7104% | 5,639 |
| Net loans and leases to core deposits | 86.2384% | 5,498 |
| Total domestic deposits to total assets | 89.1412% | 1,416 |
| Equity capital to assets | 10.2226% | 3,487 |
| Core capital (leverage) ratio | 10.1808% | 2,908 |
| Tier 1 risk-based capital ratio | 17.8457% | 1,929 |
| Total risk-based capital ratio | 18.4817% | 2,049 |
| Memoranda: | ||
| Average total assets | $49,851,600 | 6,708 |
| Average earning assets | $45,289,400 | 6,711 |
| Average equity | $5,274,800 | 6,842 |
| Average total loans | $31,392,800 | 6,561 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0020% | 2,034 |
| Cost of funding earning assets | 1.1703% | 6,972 |
| Net interest margin | 4.8318% | 650 |
| Noninterest income to average assets | 0.9172% | 1,915 |
| Noninterest expense to average assets | 3.9278% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9064% | 2,400 |
| Return on assets (ROA) | 0.9064% | 2,467 |
| Pretax return on assets | 1.4001% | 1,695 |
| Return on Equity (ROE) | 8.4915% | 2,453 |
| Retained earnings to average equity (ytd only) | -0.5559% | 5,364 |
| Net charge-offs to loans | -0.0086% | 7,667 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7215% | 3,916 |
| Assets per employee ($millions) | 2.1816% | 7,630 |
| Cash dividends to net income (ytd only)* | 106.5470% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5914% | 7,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 63.3179% | 5,015 |
| Net loans and leases to deposits | 71.2370% | 5,771 |
| Net loans and leases to core deposits | 87.9547% | 5,646 |
| Total domestic deposits to total assets | 88.8834% | 1,246 |
| Equity capital to assets | 10.3115% | 3,717 |
| Core capital (leverage) ratio | 10.2668% | 3,004 |
| Tier 1 risk-based capital ratio | 17.7448% | 2,063 |
| Total risk-based capital ratio | 18.3961% | 2,180 |
| Memoranda: | ||
| Average total assets | $49,424,000 | 6,781 |
| Average earning assets | $45,117,000 | 6,771 |
| Average equity | $5,275,750 | 6,912 |
| Average total loans | $31,184,000 | 6,616 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0630% | 1,935 |
| Cost of funding earning assets | 1.2135% | 7,070 |
| Net interest margin | 4.8495% | 602 |
| Noninterest income to average assets | 0.9355% | 1,818 |
| Noninterest expense to average assets | 3.9127% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9355% | 2,325 |
| Return on assets (ROA) | 0.9355% | 2,418 |
| Pretax return on assets | 1.4439% | 1,608 |
| Return on Equity (ROE) | 8.6634% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.6634% | 1,019 |
| Net charge-offs to loans | 0.0194% | 6,246 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 118.3333% | 325 |
| Efficiency ratio | 73.0448% | 4,183 |
| Assets per employee ($millions) | 2.2451% | 7,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5779% | 7,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.3949% | 5,100 |
| Net loans and leases to deposits | 71.9618% | 5,743 |
| Net loans and leases to core deposits | 87.4515% | 5,770 |
| Total domestic deposits to total assets | 88.0952% | 1,716 |
| Equity capital to assets | 10.9856% | 2,933 |
| Core capital (leverage) ratio | 10.9405% | 2,451 |
| Tier 1 risk-based capital ratio | 18.7411% | 1,831 |
| Total risk-based capital ratio | 19.3726% | 1,926 |
| Memoranda: | ||
| Average total assets | $49,173,000 | 6,863 |
| Average earning assets | $44,829,000 | 6,845 |
| Average equity | $5,309,670 | 6,961 |
| Average total loans | $30,925,330 | 6,676 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0462% | 2,172 |
| Cost of funding earning assets | 1.2757% | 7,098 |
| Net interest margin | 4.7705% | 647 |
| Noninterest income to average assets | 0.8886% | 1,897 |
| Noninterest expense to average assets | 3.8318% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9049% | 2,685 |
| Return on assets (ROA) | 0.9049% | 2,835 |
| Pretax return on assets | 1.3860% | 2,009 |
| Return on Equity (ROE) | 8.4547% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.4547% | 1,646 |
| Net charge-offs to loans | 0.0392% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 56.6667% | 674 |
| Efficiency ratio | 73.4375% | 3,929 |
| Assets per employee ($millions) | 2.2891% | 7,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 7,661 |
| Loan loss allowance to noncurrent loans | 18,100.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 7,664 |
| Noncurrent loans to loans | 0.0033% | 7,576 |
| Net loans and leases to total assets | 59.9782% | 5,654 |
| Net loans and leases to deposits | 67.7546% | 6,208 |
| Net loans and leases to core deposits | 83.4854% | 6,096 |
| Total domestic deposits to total assets | 88.5226% | 1,476 |
| Equity capital to assets | 10.5381% | 3,428 |
| Core capital (leverage) ratio | 10.4955% | 2,934 |
| Tier 1 risk-based capital ratio | 19.0646% | 1,802 |
| Total risk-based capital ratio | 19.7178% | 1,902 |
| Memoranda: | ||
| Average total assets | $49,063,500 | 6,902 |
| Average earning assets | $44,524,000 | 6,899 |
| Average equity | $5,251,500 | 7,036 |
| Average total loans | $30,641,000 | 6,725 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4889% | 3,017 |
| Cost of funding earning assets | 1.6827% | 7,298 |
| Net interest margin | 4.8062% | 775 |
| Noninterest income to average assets | 1.1050% | 1,286 |
| Noninterest expense to average assets | 4.1642% | 1,187 |
| Loan and lease loss provision to assets | -0.0066% | 8,199 |
| Net operating income to assets | 0.9562% | 2,760 |
| Return on assets (ROA) | 0.9562% | 2,630 |
| Pretax return on assets | 1.4289% | 1,871 |
| Return on Equity (ROE) | 8.4116% | 2,886 |
| Retained earnings to average equity (ytd only) | 1.5206% | 4,313 |
| Net charge-offs to loans | -0.0068% | 7,812 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5398% | 3,486 |
| Assets per employee ($millions) | 2.2746% | 7,600 |
| Cash dividends to net income (ytd only)* | 81.9222% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5988% | 7,684 |
| Loan loss allowance to noncurrent loans | 2,055.5556% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 7,526 |
| Noncurrent loans to loans | 0.0291% | 7,392 |
| Net loans and leases to total assets | 64.2933% | 5,211 |
| Net loans and leases to deposits | 72.8163% | 5,966 |
| Net loans and leases to core deposits | 89.3723% | 5,856 |
| Total domestic deposits to total assets | 88.2953% | 1,336 |
| Equity capital to assets | 10.8778% | 3,139 |
| Core capital (leverage) ratio | 10.8274% | 2,726 |
| Tier 1 risk-based capital ratio | 18.8794% | 1,841 |
| Total risk-based capital ratio | 19.5551% | 1,910 |
| Memoranda: | ||
| Average total assets | $45,699,400 | 6,950 |
| Average earning assets | $42,611,200 | 6,920 |
| Average equity | $5,195,200 | 7,086 |
| Average total loans | $29,425,400 | 6,748 |