Home > Asian Bank > Performance and Condition Ratios
Asian Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9341% | 1,275 |
| Cost of funding earning assets | 2.8182% | 472 |
| Net interest margin | 3.1159% | 3,188 |
| Noninterest income to average assets | 0.1000% | 4,126 |
| Noninterest expense to average assets | 1.5811% | 4,163 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.1809% | 1,780 |
| Return on assets (ROA) | 1.1809% | 1,783 |
| Pretax return on assets | 1.4959% | 1,523 |
| Return on Equity (ROE) | 5.8400% | 3,372 |
| Retained earnings to average equity (ytd only) | 4.7280% | 2,648 |
| Net charge-offs to loans | -0.0048% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 50.9335% | 3,831 |
| Assets per employee ($millions) | 12.6341% | 376 |
| Cash dividends to net income (ytd only)* | 19.0531% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 2,695 |
| Loan loss allowance to noncurrent loans | 399.2314% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,543 |
| Noncurrent loans to loans | 0.2764% | 2,512 |
| Net loans and leases to total assets | 69.0800% | 1,942 |
| Net loans and leases to deposits | 96.5814% | 583 |
| Net loans and leases to core deposits | 165.3052% | 93 |
| Total domestic deposits to total assets | 71.5200% | 4,162 |
| Equity capital to assets | 19.7378% | 288 |
| Core capital (leverage) ratio | 20.4852% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7246% | 260 |
| Memoranda: | ||
| Average total assets | $586,685,500 | 1,586 |
| Average earning assets | $565,748,500 | 1,537 |
| Average equity | $118,612,000 | 911 |
| Average total loans | $417,018,500 | 1,512 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8050% | 1,576 |
| Cost of funding earning assets | 2.7527% | 769 |
| Net interest margin | 3.0523% | 3,054 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 1.7314% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0884% | 1,791 |
| Return on assets (ROA) | 1.0884% | 1,786 |
| Pretax return on assets | 1.3781% | 1,564 |
| Return on Equity (ROE) | 4.9700% | 3,524 |
| Retained earnings to average equity (ytd only) | 3.4075% | 2,867 |
| Net charge-offs to loans | 0.0475% | 1,677 |
| Credit loss provision to net charge-offs | 18.3784% | 2,469 |
| Earnings coverage of net charge-offs (x) | 39.6108% | 1,351 |
| Efficiency ratio | 55.6443% | 3,594 |
| Assets per employee ($millions) | 11.5700% | 482 |
| Cash dividends to net income (ytd only)* | 31.4933% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 2,557 |
| Loan loss allowance to noncurrent loans | 611.4927% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 2,796 |
| Noncurrent loans to loans | 0.1844% | 2,769 |
| Net loans and leases to total assets | 71.5800% | 1,715 |
| Net loans and leases to deposits | 102.0153% | 405 |
| Net loans and leases to core deposits | 160.6075% | 125 |
| Total domestic deposits to total assets | 70.1700% | 4,200 |
| Equity capital to assets | 20.7302% | 255 |
| Core capital (leverage) ratio | 21.8703% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3261% | 252 |
| Memoranda: | ||
| Average total assets | $530,944,400 | 1,701 |
| Average earning assets | $510,729,800 | 1,655 |
| Average equity | $116,186,400 | 900 |
| Average total loans | $389,625,800 | 1,561 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7740% | 1,596 |
| Cost of funding earning assets | 2.7372% | 789 |
| Net interest margin | 3.0368% | 3,025 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 1.7396% | 4,026 |
| Loan and lease loss provision to assets | -0.0300% | 4,235 |
| Net operating income to assets | 1.0540% | 1,893 |
| Return on assets (ROA) | 1.0540% | 1,903 |
| Pretax return on assets | 1.3342% | 1,675 |
| Return on Equity (ROE) | 4.7500% | 3,585 |
| Retained earnings to average equity (ytd only) | 4.0522% | 2,837 |
| Net charge-offs to loans | -0.0066% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 57.1884% | 3,441 |
| Assets per employee ($millions) | 10.9280% | 582 |
| Cash dividends to net income (ytd only)* | 14.6631% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 2,320 |
| Loan loss allowance to noncurrent loans | 450.7678% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,530 |
| Noncurrent loans to loans | 0.2617% | 2,503 |
| Net loans and leases to total assets | 70.6100% | 1,770 |
| Net loans and leases to deposits | 101.2091% | 432 |
| Net loans and leases to core deposits | 164.9865% | 111 |
| Total domestic deposits to total assets | 69.7600% | 4,228 |
| Equity capital to assets | 21.2426% | 240 |
| Core capital (leverage) ratio | 22.7825% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1509% | 234 |
| Memoranda: | ||
| Average total assets | $521,947,500 | 1,711 |
| Average earning assets | $501,707,750 | 1,671 |
| Average equity | $115,851,500 | 898 |
| Average total loans | $384,421,250 | 1,572 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7769% | 1,485 |
| Cost of funding earning assets | 2.7137% | 748 |
| Net interest margin | 3.0631% | 2,930 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 1.7720% | 3,978 |
| Loan and lease loss provision to assets | -0.0500% | 4,317 |
| Net operating income to assets | 1.0616% | 1,818 |
| Return on assets (ROA) | 1.0616% | 1,822 |
| Pretax return on assets | 1.3435% | 1,597 |
| Return on Equity (ROE) | 4.7100% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.2311% | 2,631 |
| Net charge-offs to loans | -0.0074% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 57.7857% | 3,409 |
| Assets per employee ($millions) | 10.8481% | 565 |
| Cash dividends to net income (ytd only)* | 10.1551% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,325 |
| Loan loss allowance to noncurrent loans | 1,264.6900% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,170 |
| Noncurrent loans to loans | 0.0937% | 3,184 |
| Net loans and leases to total assets | 76.7600% | 1,078 |
| Net loans and leases to deposits | 113.5594% | 154 |
| Net loans and leases to core deposits | 188.4722% | 55 |
| Total domestic deposits to total assets | 67.5900% | 4,286 |
| Equity capital to assets | 22.7326% | 221 |
| Core capital (leverage) ratio | 23.8023% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1950% | 238 |
| Memoranda: | ||
| Average total assets | $510,153,667 | 1,733 |
| Average earning assets | $489,953,667 | 1,693 |
| Average equity | $115,005,000 | 900 |
| Average total loans | $379,824,000 | 1,584 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7912% | 1,322 |
| Cost of funding earning assets | 2.7000% | 715 |
| Net interest margin | 3.0912% | 2,813 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 1.7919% | 3,967 |
| Loan and lease loss provision to assets | -0.0800% | 4,415 |
| Net operating income to assets | 1.0935% | 1,679 |
| Return on assets (ROA) | 1.0935% | 1,689 |
| Pretax return on assets | 1.3843% | 1,469 |
| Return on Equity (ROE) | 4.8700% | 3,481 |
| Retained earnings to average equity (ytd only) | 4.8710% | 2,446 |
| Net charge-offs to loans | -0.0075% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.8734% | 3,448 |
| Assets per employee ($millions) | 11.0360% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 1,973 |
| Loan loss allowance to noncurrent loans | 1,390.2077% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,209 |
| Noncurrent loans to loans | 0.0904% | 3,159 |
| Net loans and leases to total assets | 72.5100% | 1,503 |
| Net loans and leases to deposits | 106.3285% | 269 |
| Net loans and leases to core deposits | 178.4518% | 108 |
| Total domestic deposits to total assets | 68.2000% | 4,337 |
| Equity capital to assets | 22.6680% | 222 |
| Core capital (leverage) ratio | 23.4289% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5029% | 223 |
| Memoranda: | ||
| Average total assets | $510,299,000 | 1,732 |
| Average earning assets | $490,675,500 | 1,698 |
| Average equity | $114,555,000 | 905 |
| Average total loans | $371,705,000 | 1,603 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 1,496 |
| Cost of funding earning assets | 2.2043% | 634 |
| Net interest margin | 3.0950% | 3,104 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.5949% | 4,253 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1737% | 1,711 |
| Return on assets (ROA) | 1.1737% | 1,680 |
| Pretax return on assets | 1.4864% | 1,453 |
| Return on Equity (ROE) | 5.2000% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.0249% | 2,952 |
| Net charge-offs to loans | -0.0083% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.9849% | 3,910 |
| Assets per employee ($millions) | 11.6577% | 451 |
| Cash dividends to net income (ytd only)* | 22.6124% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 1,819 |
| Loan loss allowance to noncurrent loans | 4,640.7767% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,598 |
| Noncurrent loans to loans | 0.0278% | 3,543 |
| Net loans and leases to total assets | 71.3200% | 1,665 |
| Net loans and leases to deposits | 104.3036% | 346 |
| Net loans and leases to core deposits | 166.7650% | 129 |
| Total domestic deposits to total assets | 68.3800% | 4,334 |
| Equity capital to assets | 22.2315% | 229 |
| Core capital (leverage) ratio | 24.2161% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4376% | 213 |
| Memoranda: | ||
| Average total assets | $475,504,600 | 1,781 |
| Average earning assets | $456,933,000 | 1,739 |
| Average equity | $107,308,200 | 901 |
| Average total loans | $347,514,000 | 1,617 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2275% | 1,403 |
| Cost of funding earning assets | 2.1055% | 587 |
| Net interest margin | 3.1220% | 3,102 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.5600% | 4,272 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1701% | 1,879 |
| Return on assets (ROA) | 1.1701% | 1,859 |
| Pretax return on assets | 1.4819% | 1,595 |
| Return on Equity (ROE) | 5.1600% | 3,782 |
| Retained earnings to average equity (ytd only) | 3.5710% | 3,362 |
| Net charge-offs to loans | -0.0094% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.7673% | 3,930 |
| Assets per employee ($millions) | 11.7540% | 401 |
| Cash dividends to net income (ytd only)* | 30.8482% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,570 |
| Loan loss allowance to noncurrent loans | 4,514.8148% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,595 |
| Noncurrent loans to loans | 0.0304% | 3,552 |
| Net loans and leases to total assets | 72.6900% | 1,499 |
| Net loans and leases to deposits | 109.3259% | 214 |
| Net loans and leases to core deposits | 155.3735% | 127 |
| Total domestic deposits to total assets | 66.4900% | 4,396 |
| Equity capital to assets | 22.8809% | 218 |
| Core capital (leverage) ratio | 24.7908% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5557% | 211 |
| Memoranda: | ||
| Average total assets | $466,145,750 | 1,805 |
| Average earning assets | $447,645,000 | 1,761 |
| Average equity | $105,626,750 | 906 |
| Average total loans | $341,741,500 | 1,634 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 1,325 |
| Cost of funding earning assets | 1.9969% | 496 |
| Net interest margin | 3.1301% | 3,151 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.4936% | 4,338 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.1920% | 1,849 |
| Return on assets (ROA) | 1.1920% | 1,839 |
| Pretax return on assets | 1.5097% | 1,580 |
| Return on Equity (ROE) | 5.2800% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.8536% | 3,519 |
| Net charge-offs to loans | -0.0089% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.5086% | 4,092 |
| Assets per employee ($millions) | 12.7258% | 319 |
| Cash dividends to net income (ytd only)* | 45.9410% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,566 |
| Loan loss allowance to noncurrent loans | 4,424.5455% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,572 |
| Noncurrent loans to loans | 0.0314% | 3,516 |
| Net loans and leases to total assets | 73.3200% | 1,366 |
| Net loans and leases to deposits | 107.4196% | 263 |
| Net loans and leases to core deposits | 153.8875% | 126 |
| Total domestic deposits to total assets | 68.2500% | 4,405 |
| Equity capital to assets | 22.0818% | 224 |
| Core capital (leverage) ratio | 23.4453% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0343% | 220 |
| Memoranda: | ||
| Average total assets | $460,890,000 | 1,825 |
| Average earning assets | $442,793,333 | 1,779 |
| Average equity | $104,080,333 | 910 |
| Average total loans | $337,266,333 | 1,640 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 1,341 |
| Cost of funding earning assets | 1.7937% | 457 |
| Net interest margin | 3.1484% | 3,240 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.4757% | 4,408 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2450% | 1,811 |
| Return on assets (ROA) | 1.2450% | 1,786 |
| Pretax return on assets | 1.5784% | 1,512 |
| Return on Equity (ROE) | 5.4500% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.3354% | 2,942 |
| Net charge-offs to loans | -0.0109% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.6574% | 4,181 |
| Assets per employee ($millions) | 13.1438% | 301 |
| Cash dividends to net income (ytd only)* | 2.1142% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,720 |
| Loan loss allowance to noncurrent loans | 4,125.6637% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 3,541 |
| Noncurrent loans to loans | 0.0333% | 3,515 |
| Net loans and leases to total assets | 72.7100% | 1,351 |
| Net loans and leases to deposits | 101.5807% | 377 |
| Net loans and leases to core deposits | 159.6038% | 91 |
| Total domestic deposits to total assets | 71.5800% | 4,371 |
| Equity capital to assets | 22.7942% | 179 |
| Core capital (leverage) ratio | 24.3624% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0880% | 213 |
| Memoranda: | ||
| Average total assets | $455,908,500 | 1,863 |
| Average earning assets | $438,191,500 | 1,811 |
| Average equity | $104,134,000 | 920 |
| Average total loans | $330,855,000 | 1,684 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4520% | 796 |
| Cost of funding earning assets | 0.8277% | 355 |
| Net interest margin | 3.6243% | 1,577 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.5965% | 4,312 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.4332% | 1,041 |
| Return on assets (ROA) | 1.4332% | 1,007 |
| Pretax return on assets | 1.8236% | 697 |
| Return on Equity (ROE) | 7.1800% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.0579% | 2,220 |
| Net charge-offs to loans | -0.0286% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.1972% | 4,453 |
| Assets per employee ($millions) | 12.5496% | 342 |
| Cash dividends to net income (ytd only)* | 1.6673% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,528 |
| Loan loss allowance to noncurrent loans | 2,754.6012% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 3,441 |
| Noncurrent loans to loans | 0.0505% | 3,397 |
| Net loans and leases to total assets | 70.4000% | 1,599 |
| Net loans and leases to deposits | 97.3107% | 565 |
| Net loans and leases to core deposits | 148.6723% | 99 |
| Total domestic deposits to total assets | 72.3500% | 4,420 |
| Equity capital to assets | 22.8886% | 174 |
| Core capital (leverage) ratio | 26.0238% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8513% | 188 |
| Memoranda: | ||
| Average total assets | $380,836,000 | 2,100 |
| Average earning assets | $367,990,000 | 2,036 |
| Average equity | $76,042,400 | 1,179 |
| Average total loans | $286,652,000 | 1,786 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 642 |
| Cost of funding earning assets | 0.6927% | 281 |
| Net interest margin | 3.6660% | 1,231 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.6164% | 4,290 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 1.4497% | 956 |
| Return on assets (ROA) | 1.4497% | 931 |
| Pretax return on assets | 1.8400% | 674 |
| Return on Equity (ROE) | 7.6100% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.4814% | 2,198 |
| Net charge-offs to loans | -0.0322% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.8919% | 4,496 |
| Assets per employee ($millions) | 10.8591% | 517 |
| Cash dividends to net income (ytd only)* | 1.6464% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,694 |
| Loan loss allowance to noncurrent loans | 1,819.1489% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,288 |
| Noncurrent loans to loans | 0.0756% | 3,336 |
| Net loans and leases to total assets | 78.4600% | 670 |
| Net loans and leases to deposits | 114.6888% | 79 |
| Net loans and leases to core deposits | 144.3148% | 84 |
| Total domestic deposits to total assets | 68.4100% | 4,559 |
| Equity capital to assets | 26.0313% | 133 |
| Core capital (leverage) ratio | 27.0114% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8154% | 181 |
| Memoranda: | ||
| Average total assets | $363,099,000 | 2,181 |
| Average earning assets | $351,251,750 | 2,119 |
| Average equity | $69,201,250 | 1,274 |
| Average total loans | $277,677,000 | 1,820 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 637 |
| Cost of funding earning assets | 0.6638% | 193 |
| Net interest margin | 3.5327% | 1,221 |
| Noninterest income to average assets | 0.2532% | 3,652 |
| Noninterest expense to average assets | 1.6121% | 4,295 |
| Loan and lease loss provision to assets | 0.3109% | 211 |
| Net operating income to assets | 1.3854% | 939 |
| Return on assets (ROA) | 1.3854% | 915 |
| Pretax return on assets | 1.7596% | 660 |
| Return on Equity (ROE) | 8.4015% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.2575% | 1,528 |
| Net charge-offs to loans | -0.0458% | 4,205 |
| Credit loss provision to net charge-offs | -901.6393% | 3,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7759% | 4,526 |
| Assets per employee ($millions) | 11.3546% | 453 |
| Cash dividends to net income (ytd only)* | 1.7136% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,723 |
| Loan loss allowance to noncurrent loans | 1,688.9362% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,392 |
| Noncurrent loans to loans | 0.0834% | 3,366 |
| Net loans and leases to total assets | 69.9362% | 1,304 |
| Net loans and leases to deposits | 101.7630% | 218 |
| Net loans and leases to core deposits | 129.1142% | 126 |
| Total domestic deposits to total assets | 68.7246% | 4,630 |
| Equity capital to assets | 25.7836% | 87 |
| Core capital (leverage) ratio | 29.8221% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6319% | 115 |
| Memoranda: | ||
| Average total assets | $353,822,333 | 2,234 |
| Average earning assets | $343,477,000 | 2,168 |
| Average equity | $58,347,000 | 1,472 |
| Average total loans | $266,571,667 | 1,867 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 470 |
| Cost of funding earning assets | 0.6629% | 190 |
| Net interest margin | 3.6005% | 890 |
| Noninterest income to average assets | 0.1410% | 4,308 |
| Noninterest expense to average assets | 1.7456% | 4,060 |
| Loan and lease loss provision to assets | 0.2409% | 276 |
| Net operating income to assets | 1.3035% | 998 |
| Return on assets (ROA) | 1.3035% | 992 |
| Pretax return on assets | 1.6613% | 741 |
| Return on Equity (ROE) | 11.9271% | 1,333 |
| Retained earnings to average equity (ytd only) | 11.6956% | 648 |
| Net charge-offs to loans | -0.0912% | 4,431 |
| Credit loss provision to net charge-offs | -338.9831% | 3,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8534% | 4,410 |
| Assets per employee ($millions) | 10.2802% | 634 |
| Cash dividends to net income (ytd only)* | 1.9409% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 1,890 |
| Loan loss allowance to noncurrent loans | 1,130.3125% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 3,127 |
| Noncurrent loans to loans | 0.1242% | 3,202 |
| Net loans and leases to total assets | 77.2412% | 434 |
| Net loans and leases to deposits | 94.2441% | 350 |
| Net loans and leases to core deposits | 120.1460% | 146 |
| Total domestic deposits to total assets | 81.9587% | 4,079 |
| Equity capital to assets | 10.9856% | 1,333 |
| Core capital (leverage) ratio | 11.4334% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6940% | 1,343 |
| Memoranda: | ||
| Average total assets | $332,027,500 | 2,332 |
| Average earning assets | $323,403,500 | 2,274 |
| Average equity | $36,287,000 | 2,203 |
| Average total loans | $258,905,500 | 1,893 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 915 |
| Cost of funding earning assets | 0.8336% | 170 |
| Net interest margin | 3.4193% | 1,967 |
| Noninterest income to average assets | 0.1463% | 4,425 |
| Noninterest expense to average assets | 1.7544% | 4,218 |
| Loan and lease loss provision to assets | 0.1949% | 567 |
| Net operating income to assets | 1.1946% | 1,941 |
| Return on assets (ROA) | 1.1946% | 2,001 |
| Pretax return on assets | 1.5282% | 1,628 |
| Return on Equity (ROE) | 10.9175% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.6640% | 770 |
| Net charge-offs to loans | 0.0038% | 2,478 |
| Credit loss provision to net charge-offs | 6,555.5556% | 110 |
| Earnings coverage of net charge-offs (x) | 579.6667% | 246 |
| Efficiency ratio | 50.4511% | 4,249 |
| Assets per employee ($millions) | 10.8093% | 536 |
| Cash dividends to net income (ytd only)* | 2.3224% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,404 |
| Loan loss allowance to noncurrent loans | 587.0629% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 2,741 |
| Noncurrent loans to loans | 0.2199% | 2,865 |
| Net loans and leases to total assets | 76.6181% | 473 |
| Net loans and leases to deposits | 96.0828% | 314 |
| Net loans and leases to core deposits | 122.8711% | 140 |
| Total domestic deposits to total assets | 79.7417% | 4,247 |
| Equity capital to assets | 10.8733% | 1,876 |
| Core capital (leverage) ratio | 11.3137% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0519% | 1,254 |
| Memoranda: | ||
| Average total assets | $302,773,400 | 2,426 |
| Average earning assets | $294,976,200 | 2,355 |
| Average equity | $33,130,200 | 2,379 |
| Average total loans | $237,286,200 | 2,004 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 1,004 |
| Cost of funding earning assets | 0.8801% | 172 |
| Net interest margin | 3.3897% | 2,181 |
| Noninterest income to average assets | 0.1507% | 4,442 |
| Noninterest expense to average assets | 1.7704% | 4,219 |
| Loan and lease loss provision to assets | 0.1856% | 568 |
| Net operating income to assets | 1.1723% | 2,263 |
| Return on assets (ROA) | 1.1723% | 2,324 |
| Pretax return on assets | 1.4935% | 2,009 |
| Return on Equity (ROE) | 10.6940% | 2,482 |
| Retained earnings to average equity (ytd only) | 10.4339% | 1,190 |
| Net charge-offs to loans | -0.0040% | 3,371 |
| Credit loss provision to net charge-offs | -5,857.1429% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3248% | 4,093 |
| Assets per employee ($millions) | 10.7503% | 519 |
| Cash dividends to net income (ytd only)* | 2.4315% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,620 |
| Loan loss allowance to noncurrent loans | 727.5626% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 3,234 |
| Noncurrent loans to loans | 0.1752% | 3,249 |
| Net loans and leases to total assets | 74.2504% | 672 |
| Net loans and leases to deposits | 93.1677% | 446 |
| Net loans and leases to core deposits | 117.4393% | 211 |
| Total domestic deposits to total assets | 79.6954% | 4,270 |
| Equity capital to assets | 10.6652% | 2,299 |
| Core capital (leverage) ratio | 12.1693% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5523% | 1,236 |
| Memoranda: | ||
| Average total assets | $294,694,750 | 2,477 |
| Average earning assets | $286,782,500 | 2,417 |
| Average equity | $32,304,000 | 2,443 |
| Average total loans | $231,583,750 | 2,077 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 972 |
| Cost of funding earning assets | 0.9299% | 160 |
| Net interest margin | 3.3901% | 2,170 |
| Noninterest income to average assets | 0.1490% | 4,451 |
| Noninterest expense to average assets | 1.8975% | 3,970 |
| Loan and lease loss provision to assets | 0.1845% | 621 |
| Net operating income to assets | 1.0623% | 2,673 |
| Return on assets (ROA) | 1.0623% | 2,747 |
| Pretax return on assets | 1.3603% | 2,437 |
| Return on Equity (ROE) | 9.5887% | 2,916 |
| Retained earnings to average equity (ytd only) | 9.3197% | 1,617 |
| Net charge-offs to loans | -0.0062% | 3,499 |
| Credit loss provision to net charge-offs | -3,714.2857% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1227% | 3,654 |
| Assets per employee ($millions) | 9.4723% | 722 |
| Cash dividends to net income (ytd only)* | 2.8056% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,621 |
| Loan loss allowance to noncurrent loans | 664.6288% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 3,219 |
| Noncurrent loans to loans | 0.1900% | 3,280 |
| Net loans and leases to total assets | 81.0511% | 261 |
| Net loans and leases to deposits | 107.6173% | 134 |
| Net loans and leases to core deposits | 124.0895% | 173 |
| Total domestic deposits to total assets | 75.3142% | 4,599 |
| Equity capital to assets | 11.1391% | 1,886 |
| Core capital (leverage) ratio | 11.9540% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0587% | 1,327 |
| Memoranda: | ||
| Average total assets | $281,839,667 | 2,548 |
| Average earning assets | $273,795,333 | 2,482 |
| Average equity | $31,224,333 | 2,481 |
| Average total loans | $225,231,333 | 2,122 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 1,341 |
| Cost of funding earning assets | 0.9895% | 141 |
| Net interest margin | 3.1315% | 2,901 |
| Noninterest income to average assets | 0.1624% | 4,389 |
| Noninterest expense to average assets | 1.9555% | 3,844 |
| Loan and lease loss provision to assets | 0.1740% | 711 |
| Net operating income to assets | 0.8393% | 3,299 |
| Return on assets (ROA) | 0.8393% | 3,381 |
| Pretax return on assets | 1.0698% | 3,195 |
| Return on Equity (ROE) | 7.5979% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.3224% | 2,470 |
| Net charge-offs to loans | 0.0055% | 1,707 |
| Credit loss provision to net charge-offs | 4,000.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 311 |
| Efficiency ratio | 61.1237% | 2,887 |
| Assets per employee ($millions) | 9.3231% | 745 |
| Cash dividends to net income (ytd only)* | 3.6269% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,639 |
| Loan loss allowance to noncurrent loans | 613.1356% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 2,579 |
| Noncurrent loans to loans | 0.2046% | 3,377 |
| Net loans and leases to total assets | 81.4525% | 252 |
| Net loans and leases to deposits | 107.5440% | 155 |
| Net loans and leases to core deposits | 125.6713% | 187 |
| Total domestic deposits to total assets | 75.7388% | 4,593 |
| Equity capital to assets | 10.9602% | 1,890 |
| Core capital (leverage) ratio | 11.5377% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0678% | 1,550 |
| Memoranda: | ||
| Average total assets | $275,938,500 | 2,565 |
| Average earning assets | $267,607,500 | 2,503 |
| Average equity | $30,482,000 | 2,507 |
| Average total loans | $217,325,000 | 2,161 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 1,442 |
| Cost of funding earning assets | 1.3226% | 165 |
| Net interest margin | 3.1252% | 3,569 |
| Noninterest income to average assets | 0.1658% | 4,464 |
| Noninterest expense to average assets | 1.8885% | 4,334 |
| Loan and lease loss provision to assets | 0.1584% | 2,392 |
| Net operating income to assets | 0.8897% | 2,739 |
| Return on assets (ROA) | 0.8897% | 2,875 |
| Pretax return on assets | 1.1341% | 2,570 |
| Return on Equity (ROE) | 9.9865% | 2,011 |
| Retained earnings to average equity (ytd only) | 9.2973% | 713 |
| Net charge-offs to loans | 0.0774% | 1,708 |
| Credit loss provision to net charge-offs | 268.2119% | 1,851 |
| Earnings coverage of net charge-offs (x) | 21.8874% | 1,876 |
| Efficiency ratio | 59.3681% | 3,541 |
| Assets per employee ($millions) | 8.7801% | 806 |
| Cash dividends to net income (ytd only)* | 6.9011% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,136 |
| Loan loss allowance to noncurrent loans | 306.1742% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 2,654 |
| Noncurrent loans to loans | 0.4447% | 2,643 |
| Net loans and leases to total assets | 73.9066% | 1,031 |
| Net loans and leases to deposits | 98.9070% | 419 |
| Net loans and leases to core deposits | 115.6196% | 375 |
| Total domestic deposits to total assets | 74.7233% | 4,594 |
| Equity capital to assets | 11.1355% | 2,146 |
| Core capital (leverage) ratio | 11.4318% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8637% | 1,081 |
| Memoranda: | ||
| Average total assets | $255,704,200 | 2,543 |
| Average earning assets | $246,706,000 | 2,482 |
| Average equity | $22,780,800 | 2,955 |
| Average total loans | $195,061,400 | 2,287 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 1,424 |
| Cost of funding earning assets | 1.3885% | 172 |
| Net interest margin | 3.1727% | 3,559 |
| Noninterest income to average assets | 0.1616% | 4,492 |
| Noninterest expense to average assets | 1.9471% | 4,258 |
| Loan and lease loss provision to assets | 0.1459% | 2,564 |
| Net operating income to assets | 0.8808% | 2,771 |
| Return on assets (ROA) | 0.8808% | 2,899 |
| Pretax return on assets | 1.1240% | 2,665 |
| Return on Equity (ROE) | 10.6032% | 1,814 |
| Retained earnings to average equity (ytd only) | 9.9270% | 782 |
| Net charge-offs to loans | 0.0007% | 3,218 |
| Credit loss provision to net charge-offs | 27,500.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 2,396.0000% | 39 |
| Efficiency ratio | 60.5272% | 3,301 |
| Assets per employee ($millions) | 9.0385% | 687 |
| Cash dividends to net income (ytd only)* | 6.3779% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 1,727 |
| Loan loss allowance to noncurrent loans | 259.7029% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 2,589 |
| Noncurrent loans to loans | 0.5404% | 2,449 |
| Net loans and leases to total assets | 72.4726% | 1,595 |
| Net loans and leases to deposits | 93.8059% | 939 |
| Net loans and leases to core deposits | 108.8389% | 739 |
| Total domestic deposits to total assets | 77.2580% | 4,293 |
| Equity capital to assets | 8.0124% | 4,708 |
| Core capital (leverage) ratio | 8.4229% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5855% | 2,374 |
| Memoranda: | ||
| Average total assets | $251,584,250 | 2,550 |
| Average earning assets | $242,269,250 | 2,499 |
| Average equity | $20,898,750 | 3,100 |
| Average total loans | $192,842,000 | 2,296 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 1,573 |
| Cost of funding earning assets | 1.4546% | 184 |
| Net interest margin | 3.1821% | 3,716 |
| Noninterest income to average assets | 0.1640% | 4,472 |
| Noninterest expense to average assets | 1.9432% | 4,342 |
| Loan and lease loss provision to assets | 0.1265% | 2,763 |
| Net operating income to assets | 0.9010% | 2,687 |
| Return on assets (ROA) | 0.9010% | 2,810 |
| Pretax return on assets | 1.1491% | 2,551 |
| Return on Equity (ROE) | 10.7065% | 1,739 |
| Retained earnings to average equity (ytd only) | 9.8822% | 810 |
| Net charge-offs to loans | -0.0073% | 4,117 |
| Credit loss provision to net charge-offs | -2,214.2857% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3702% | 3,367 |
| Assets per employee ($millions) | 8.6910% | 761 |
| Cash dividends to net income (ytd only)* | 7.6993% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,758 |
| Loan loss allowance to noncurrent loans | 239.7321% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 2,538 |
| Noncurrent loans to loans | 0.5647% | 2,470 |
| Net loans and leases to total assets | 77.6297% | 902 |
| Net loans and leases to deposits | 101.8803% | 451 |
| Net loans and leases to core deposits | 116.9365% | 501 |
| Total domestic deposits to total assets | 76.1969% | 4,408 |
| Equity capital to assets | 8.4054% | 4,531 |
| Core capital (leverage) ratio | 8.5574% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2140% | 2,519 |
| Memoranda: | ||
| Average total assets | $245,060,667 | 2,571 |
| Average earning assets | $235,252,333 | 2,523 |
| Average equity | $20,623,000 | 3,122 |
| Average total loans | $190,686,000 | 2,295 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 1,474 |
| Cost of funding earning assets | 1.5449% | 222 |
| Net interest margin | 3.2336% | 3,775 |
| Noninterest income to average assets | 0.1358% | 4,689 |
| Noninterest expense to average assets | 1.9721% | 4,455 |
| Loan and lease loss provision to assets | 0.1076% | 2,333 |
| Net operating income to assets | 0.8975% | 2,533 |
| Return on assets (ROA) | 0.8975% | 2,629 |
| Pretax return on assets | 1.1442% | 2,381 |
| Return on Equity (ROE) | 10.6578% | 1,513 |
| Retained earnings to average equity (ytd only) | 10.2055% | 706 |
| Net charge-offs to loans | -0.0021% | 3,664 |
| Credit loss provision to net charge-offs | -6,500.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1710% | 3,593 |
| Assets per employee ($millions) | 7.8933% | 769 |
| Cash dividends to net income (ytd only)* | 4.2435% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,888 |
| Loan loss allowance to noncurrent loans | 262.5761% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 2,843 |
| Noncurrent loans to loans | 0.5160% | 2,716 |
| Net loans and leases to total assets | 77.0279% | 1,128 |
| Net loans and leases to deposits | 103.0796% | 406 |
| Net loans and leases to core deposits | 121.4815% | 426 |
| Total domestic deposits to total assets | 74.7266% | 4,603 |
| Equity capital to assets | 8.4257% | 4,865 |
| Core capital (leverage) ratio | 8.5745% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7669% | 2,820 |
| Memoranda: | ||
| Average total assets | $241,571,500 | 2,539 |
| Average earning assets | $230,700,500 | 2,493 |
| Average equity | $20,342,000 | 3,138 |
| Average total loans | $186,858,000 | 2,291 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 1,463 |
| Cost of funding earning assets | 1.5580% | 338 |
| Net interest margin | 3.4474% | 3,598 |
| Noninterest income to average assets | 0.1616% | 4,683 |
| Noninterest expense to average assets | 1.9622% | 4,595 |
| Loan and lease loss provision to assets | 0.1279% | 1,669 |
| Net operating income to assets | 1.1048% | 2,427 |
| Return on assets (ROA) | 1.1048% | 2,522 |
| Pretax return on assets | 1.4100% | 2,119 |
| Return on Equity (ROE) | 13.0406% | 1,153 |
| Retained earnings to average equity (ytd only) | 13.0406% | 167 |
| Net charge-offs to loans | -0.0097% | 4,462 |
| Credit loss provision to net charge-offs | -1,676.4706% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0600% | 4,191 |
| Assets per employee ($millions) | 6.6236% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 1,585 |
| Loan loss allowance to noncurrent loans | 254.8485% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 2,734 |
| Noncurrent loans to loans | 0.5420% | 2,548 |
| Net loans and leases to total assets | 75.5388% | 1,498 |
| Net loans and leases to deposits | 96.7722% | 862 |
| Net loans and leases to core deposits | 116.7810% | 571 |
| Total domestic deposits to total assets | 78.0584% | 4,350 |
| Equity capital to assets | 8.4156% | 4,944 |
| Core capital (leverage) ratio | 8.7248% | 4,713 |
| Tier 1 risk-based capital ratio | 11.8877% | 4,430 |
| Total risk-based capital ratio | 13.1412% | 4,298 |
| Memoranda: | ||
| Average total assets | $222,764,000 | 2,637 |
| Average earning assets | $215,730,000 | 2,563 |
| Average equity | $18,871,800 | 3,237 |
| Average total loans | $176,010,400 | 2,359 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 1,510 |
| Cost of funding earning assets | 1.5453% | 354 |
| Net interest margin | 3.4636% | 3,685 |
| Noninterest income to average assets | 0.1651% | 4,727 |
| Noninterest expense to average assets | 2.0111% | 4,531 |
| Loan and lease loss provision to assets | 0.1310% | 1,476 |
| Net operating income to assets | 1.0802% | 2,653 |
| Return on assets (ROA) | 1.0802% | 2,744 |
| Pretax return on assets | 1.3781% | 2,392 |
| Return on Equity (ROE) | 12.7278% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.7278% | 310 |
| Net charge-offs to loans | -0.0054% | 4,223 |
| Credit loss provision to net charge-offs | -3,071.4286% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1305% | 4,050 |
| Assets per employee ($millions) | 6.7320% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 1,722 |
| Loan loss allowance to noncurrent loans | 245.7746% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 2,782 |
| Noncurrent loans to loans | 0.5535% | 2,638 |
| Net loans and leases to total assets | 77.3888% | 1,245 |
| Net loans and leases to deposits | 100.3296% | 602 |
| Net loans and leases to core deposits | 121.9479% | 471 |
| Total domestic deposits to total assets | 77.1346% | 4,501 |
| Equity capital to assets | 8.4981% | 5,005 |
| Core capital (leverage) ratio | 8.7275% | 4,811 |
| Tier 1 risk-based capital ratio | 11.7453% | 4,551 |
| Total risk-based capital ratio | 12.9982% | 4,442 |
| Memoranda: | ||
| Average total assets | $218,842,250 | 2,695 |
| Average earning assets | $211,992,000 | 2,616 |
| Average equity | $18,573,000 | 3,291 |
| Average total loans | $174,351,500 | 2,403 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 1,483 |
| Cost of funding earning assets | 1.5150% | 363 |
| Net interest margin | 3.4874% | 3,638 |
| Noninterest income to average assets | 0.1643% | 4,769 |
| Noninterest expense to average assets | 2.0520% | 4,515 |
| Loan and lease loss provision to assets | 0.1392% | 1,334 |
| Net operating income to assets | 1.0571% | 2,691 |
| Return on assets (ROA) | 1.0571% | 2,756 |
| Pretax return on assets | 1.3485% | 2,385 |
| Return on Equity (ROE) | 12.4615% | 1,426 |
| Retained earnings to average equity (ytd only) | 12.4615% | 355 |
| Net charge-offs to loans | -0.0070% | 4,216 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9706% | 4,018 |
| Assets per employee ($millions) | 6.4654% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,814 |
| Loan loss allowance to noncurrent loans | 236.9890% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 2,696 |
| Noncurrent loans to loans | 0.5691% | 2,554 |
| Net loans and leases to total assets | 79.0944% | 1,025 |
| Net loans and leases to deposits | 104.0497% | 418 |
| Net loans and leases to core deposits | 127.8895% | 353 |
| Total domestic deposits to total assets | 76.0160% | 4,665 |
| Equity capital to assets | 8.5901% | 5,009 |
| Core capital (leverage) ratio | 8.6916% | 4,852 |
| Tier 1 risk-based capital ratio | 11.6132% | 4,629 |
| Total risk-based capital ratio | 12.8660% | 4,519 |
| Memoranda: | ||
| Average total assets | $215,494,000 | 2,728 |
| Average earning assets | $208,580,330 | 2,651 |
| Average equity | $18,280,330 | 3,321 |
| Average total loans | $172,610,000 | 2,426 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 1,524 |
| Cost of funding earning assets | 1.4539% | 382 |
| Net interest margin | 3.4739% | 3,669 |
| Noninterest income to average assets | 0.1575% | 4,795 |
| Noninterest expense to average assets | 2.0907% | 4,472 |
| Loan and lease loss provision to assets | 0.1406% | 1,217 |
| Net operating income to assets | 0.9769% | 2,936 |
| Return on assets (ROA) | 0.9769% | 2,979 |
| Pretax return on assets | 1.2863% | 2,507 |
| Return on Equity (ROE) | 11.5913% | 1,699 |
| Retained earnings to average equity (ytd only) | 11.5913% | 687 |
| Net charge-offs to loans | -0.0141% | 4,356 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4350% | 3,885 |
| Assets per employee ($millions) | 6.3392% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 1,920 |
| Loan loss allowance to noncurrent loans | 218.1991% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 2,654 |
| Noncurrent loans to loans | 0.6138% | 2,496 |
| Net loans and leases to total assets | 78.6771% | 1,042 |
| Net loans and leases to deposits | 103.8757% | 398 |
| Net loans and leases to core deposits | 126.1895% | 378 |
| Total domestic deposits to total assets | 75.7416% | 4,792 |
| Equity capital to assets | 8.4641% | 5,010 |
| Core capital (leverage) ratio | 8.7093% | 4,859 |
| Tier 1 risk-based capital ratio | 11.5276% | 4,729 |
| Total risk-based capital ratio | 12.7806% | 4,618 |
| Memoranda: | ||
| Average total assets | $213,330,000 | 2,779 |
| Average earning assets | $206,341,000 | 2,704 |
| Average equity | $17,979,000 | 3,353 |
| Average total loans | $170,793,000 | 2,465 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 1,530 |
| Cost of funding earning assets | 1.1748% | 372 |
| Net interest margin | 3.6336% | 3,268 |
| Noninterest income to average assets | 0.1814% | 4,822 |
| Noninterest expense to average assets | 2.2151% | 4,304 |
| Loan and lease loss provision to assets | 0.1367% | 1,572 |
| Net operating income to assets | 1.0618% | 2,754 |
| Return on assets (ROA) | 1.0618% | 2,735 |
| Pretax return on assets | 1.3407% | 2,359 |
| Return on Equity (ROE) | 12.7361% | 1,451 |
| Retained earnings to average equity (ytd only) | 12.7361% | 254 |
| Net charge-offs to loans | 0.0025% | 3,649 |
| Credit loss provision to net charge-offs | 6,800.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 735.0000% | 152 |
| Efficiency ratio | 59.9891% | 3,862 |
| Assets per employee ($millions) | 5.7061% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 1,996 |
| Loan loss allowance to noncurrent loans | 208.1537% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 2,567 |
| Noncurrent loans to loans | 0.6287% | 2,408 |
| Net loans and leases to total assets | 79.3304% | 1,048 |
| Net loans and leases to deposits | 103.9808% | 479 |
| Net loans and leases to core deposits | 122.5135% | 482 |
| Total domestic deposits to total assets | 76.2933% | 4,719 |
| Equity capital to assets | 8.3907% | 4,993 |
| Core capital (leverage) ratio | 8.5976% | 4,957 |
| Tier 1 risk-based capital ratio | 11.4129% | 4,765 |
| Total risk-based capital ratio | 12.6654% | 4,672 |
| Memoranda: | ||
| Average total assets | $199,000,200 | 2,882 |
| Average earning assets | $192,286,800 | 2,795 |
| Average equity | $16,590,600 | 3,451 |
| Average total loans | $158,360,200 | 2,545 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 1,618 |
| Cost of funding earning assets | 1.0934% | 414 |
| Net interest margin | 3.6267% | 3,277 |
| Noninterest income to average assets | 0.1912% | 4,830 |
| Noninterest expense to average assets | 2.2500% | 4,218 |
| Loan and lease loss provision to assets | 0.1340% | 1,498 |
| Net operating income to assets | 1.0389% | 2,928 |
| Return on assets (ROA) | 1.0389% | 2,935 |
| Pretax return on assets | 1.3117% | 2,571 |
| Return on Equity (ROE) | 12.4832% | 1,612 |
| Retained earnings to average equity (ytd only) | 12.4832% | 419 |
| Net charge-offs to loans | 0.0643% | 1,912 |
| Credit loss provision to net charge-offs | 262.6667% | 1,132 |
| Earnings coverage of net charge-offs (x) | 28.3326% | 1,668 |
| Efficiency ratio | 60.8800% | 3,676 |
| Assets per employee ($millions) | 6.0399% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,346 |
| Loan loss allowance to noncurrent loans | 347.5712% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 3,529 |
| Noncurrent loans to loans | 0.3609% | 3,355 |
| Net loans and leases to total assets | 79.5460% | 1,086 |
| Net loans and leases to deposits | 103.9306% | 553 |
| Net loans and leases to core deposits | 121.2266% | 539 |
| Total domestic deposits to total assets | 76.5376% | 4,718 |
| Equity capital to assets | 8.3065% | 5,032 |
| Core capital (leverage) ratio | 8.6609% | 4,993 |
| Tier 1 risk-based capital ratio | 11.2892% | 4,904 |
| Total risk-based capital ratio | 12.5407% | 4,799 |
| Memoranda: | ||
| Average total assets | $195,968,750 | 2,933 |
| Average earning assets | $189,368,500 | 2,853 |
| Average equity | $16,309,500 | 3,505 |
| Average total loans | $155,523,250 | 2,585 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 1,758 |
| Cost of funding earning assets | 1.0320% | 403 |
| Net interest margin | 3.5751% | 3,402 |
| Noninterest income to average assets | 0.2043% | 4,794 |
| Noninterest expense to average assets | 2.2765% | 4,198 |
| Loan and lease loss provision to assets | 0.1317% | 1,505 |
| Net operating income to assets | 0.9884% | 3,074 |
| Return on assets (ROA) | 0.9884% | 3,075 |
| Pretax return on assets | 1.2487% | 2,730 |
| Return on Equity (ROE) | 11.8680% | 1,771 |
| Retained earnings to average equity (ytd only) | 11.8680% | 539 |
| Net charge-offs to loans | -0.0565% | 4,963 |
| Credit loss provision to net charge-offs | -295.3488% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2518% | 3,592 |
| Assets per employee ($millions) | 5.8125% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 2,011 |
| Loan loss allowance to noncurrent loans | 325.6135% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 3,442 |
| Noncurrent loans to loans | 0.4099% | 3,229 |
| Net loans and leases to total assets | 79.4166% | 1,108 |
| Net loans and leases to deposits | 102.3984% | 633 |
| Net loans and leases to core deposits | 117.2244% | 664 |
| Total domestic deposits to total assets | 77.5565% | 4,655 |
| Equity capital to assets | 8.3567% | 5,045 |
| Core capital (leverage) ratio | 8.6260% | 5,016 |
| Tier 1 risk-based capital ratio | 11.3774% | 4,850 |
| Total risk-based capital ratio | 12.6302% | 4,751 |
| Memoranda: | ||
| Average total assets | $192,839,000 | 2,978 |
| Average earning assets | $186,233,330 | 2,902 |
| Average equity | $16,060,000 | 3,557 |
| Average total loans | $152,221,330 | 2,642 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 1,752 |
| Cost of funding earning assets | 0.9904% | 382 |
| Net interest margin | 3.5480% | 3,350 |
| Noninterest income to average assets | 0.2184% | 4,697 |
| Noninterest expense to average assets | 2.3209% | 4,143 |
| Loan and lease loss provision to assets | 0.1260% | 1,494 |
| Net operating income to assets | 0.9430% | 3,097 |
| Return on assets (ROA) | 0.9430% | 3,113 |
| Pretax return on assets | 1.1951% | 2,770 |
| Return on Equity (ROE) | 11.3438% | 1,836 |
| Retained earnings to average equity (ytd only) | 11.3438% | 818 |
| Net charge-offs to loans | -0.0027% | 3,853 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7255% | 3,519 |
| Assets per employee ($millions) | 5.4018% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,119 |
| Loan loss allowance to noncurrent loans | 256.5605% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 3,216 |
| Noncurrent loans to loans | 0.5167% | 2,965 |
| Net loans and leases to total assets | 77.0825% | 1,374 |
| Net loans and leases to deposits | 101.2783% | 626 |
| Net loans and leases to core deposits | 118.0570% | 648 |
| Total domestic deposits to total assets | 76.1096% | 4,950 |
| Equity capital to assets | 8.2448% | 5,149 |
| Core capital (leverage) ratio | 8.5722% | 5,089 |
| Tier 1 risk-based capital ratio | 11.4424% | 4,887 |
| Total risk-based capital ratio | 12.6950% | 4,786 |
| Memoranda: | ||
| Average total assets | $190,446,000 | 3,029 |
| Average earning assets | $183,765,000 | 2,956 |
| Average equity | $15,832,500 | 3,609 |
| Average total loans | $148,797,000 | 2,700 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 1,668 |
| Cost of funding earning assets | 0.8865% | 403 |
| Net interest margin | 3.6275% | 3,076 |
| Noninterest income to average assets | 0.2178% | 4,847 |
| Noninterest expense to average assets | 2.1502% | 4,648 |
| Loan and lease loss provision to assets | 0.2389% | 802 |
| Net operating income to assets | 0.8021% | 3,148 |
| Return on assets (ROA) | 0.8021% | 3,191 |
| Pretax return on assets | 1.3368% | 2,224 |
| Return on Equity (ROE) | 9.3980% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.3980% | 445 |
| Net charge-offs to loans | 0.0664% | 2,522 |
| Credit loss provision to net charge-offs | 465.5556% | 673 |
| Earnings coverage of net charge-offs (x) | 30.7111% | 1,522 |
| Efficiency ratio | 57.7111% | 4,561 |
| Assets per employee ($millions) | 5.4832% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,018 |
| Loan loss allowance to noncurrent loans | 206.2302% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 2,467 |
| Noncurrent loans to loans | 0.6500% | 2,596 |
| Net loans and leases to total assets | 77.0964% | 1,412 |
| Net loans and leases to deposits | 101.3968% | 629 |
| Net loans and leases to core deposits | 117.8936% | 657 |
| Total domestic deposits to total assets | 76.0343% | 4,976 |
| Equity capital to assets | 8.3850% | 5,198 |
| Core capital (leverage) ratio | 8.5371% | 5,104 |
| Tier 1 risk-based capital ratio | 11.4757% | 4,865 |
| Total risk-based capital ratio | 12.7277% | 4,756 |
| Memoranda: | ||
| Average total assets | $175,421,600 | 3,172 |
| Average earning assets | $169,646,400 | 3,081 |
| Average equity | $14,971,200 | 3,721 |
| Average total loans | $135,640,600 | 2,839 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 1,731 |
| Cost of funding earning assets | 0.8553% | 442 |
| Net interest margin | 3.6119% | 3,103 |
| Noninterest income to average assets | 0.2108% | 4,955 |
| Noninterest expense to average assets | 2.1899% | 4,544 |
| Loan and lease loss provision to assets | 0.1614% | 1,269 |
| Net operating income to assets | 0.9027% | 3,014 |
| Return on assets (ROA) | 0.9027% | 3,070 |
| Pretax return on assets | 1.3552% | 2,257 |
| Return on Equity (ROE) | 10.5270% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.5270% | 486 |
| Net charge-offs to loans | 0.1162% | 1,625 |
| Credit loss provision to net charge-offs | 180.1724% | 1,471 |
| Earnings coverage of net charge-offs (x) | 16.9313% | 2,144 |
| Efficiency ratio | 59.0833% | 4,341 |
| Assets per employee ($millions) | 5.4776% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,949 |
| Loan loss allowance to noncurrent loans | 182.0785% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 2,288 |
| Noncurrent loans to loans | 0.6573% | 2,733 |
| Net loans and leases to total assets | 78.4208% | 1,211 |
| Net loans and leases to deposits | 102.5709% | 575 |
| Net loans and leases to core deposits | 120.7032% | 568 |
| Total domestic deposits to total assets | 76.4552% | 4,962 |
| Equity capital to assets | 8.5317% | 5,266 |
| Core capital (leverage) ratio | 8.8460% | 4,926 |
| Tier 1 risk-based capital ratio | 11.3942% | 5,018 |
| Total risk-based capital ratio | 12.6441% | 4,905 |
| Memoranda: | ||
| Average total assets | $172,669,750 | 3,236 |
| Average earning assets | $167,109,000 | 3,140 |
| Average equity | $14,806,000 | 3,779 |
| Average total loans | $133,130,000 | 2,890 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 2,119 |
| Cost of funding earning assets | 0.8303% | 446 |
| Net interest margin | 3.4709% | 3,503 |
| Noninterest income to average assets | 0.2294% | 4,866 |
| Noninterest expense to average assets | 2.1992% | 4,564 |
| Loan and lease loss provision to assets | 0.1283% | 1,620 |
| Net operating income to assets | 0.8331% | 3,230 |
| Return on assets (ROA) | 0.8331% | 3,287 |
| Pretax return on assets | 1.2614% | 2,529 |
| Return on Equity (ROE) | 9.6982% | 2,168 |
| Retained earnings to average equity (ytd only) | 9.6982% | 645 |
| Net charge-offs to loans | 0.0494% | 2,234 |
| Credit loss provision to net charge-offs | 340.6250% | 880 |
| Earnings coverage of net charge-offs (x) | 36.9063% | 1,315 |
| Efficiency ratio | 61.2787% | 4,123 |
| Assets per employee ($millions) | 5.7101% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,661 |
| Loan loss allowance to noncurrent loans | 109.5943% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 1,732 |
| Noncurrent loans to loans | 1.1445% | 1,712 |
| Net loans and leases to total assets | 78.2165% | 1,215 |
| Net loans and leases to deposits | 101.9129% | 614 |
| Net loans and leases to core deposits | 119.7177% | 567 |
| Total domestic deposits to total assets | 76.7484% | 4,993 |
| Equity capital to assets | 8.7429% | 5,109 |
| Core capital (leverage) ratio | 8.9793% | 4,747 |
| Tier 1 risk-based capital ratio | 11.5883% | 4,898 |
| Total risk-based capital ratio | 12.8391% | 4,787 |
| Memoranda: | ||
| Average total assets | $169,972,330 | 3,279 |
| Average earning assets | $164,511,670 | 3,183 |
| Average equity | $14,600,670 | 3,812 |
| Average total loans | $129,682,670 | 2,953 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,123 |
| Cost of funding earning assets | 0.8255% | 427 |
| Net interest margin | 3.4169% | 3,591 |
| Noninterest income to average assets | 0.2315% | 4,890 |
| Noninterest expense to average assets | 2.1429% | 4,766 |
| Loan and lease loss provision to assets | 0.1418% | 1,327 |
| Net operating income to assets | 0.8269% | 3,091 |
| Return on assets (ROA) | 0.8269% | 3,145 |
| Pretax return on assets | 1.2522% | 2,409 |
| Return on Equity (ROE) | 9.7138% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.7138% | 878 |
| Net charge-offs to loans | 0.1042% | 1,327 |
| Credit loss provision to net charge-offs | 181.8182% | 1,080 |
| Earnings coverage of net charge-offs (x) | 17.8788% | 1,584 |
| Efficiency ratio | 60.5878% | 4,388 |
| Assets per employee ($millions) | 5.8013% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 2,638 |
| Loan loss allowance to noncurrent loans | 107.8380% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 1,792 |
| Noncurrent loans to loans | 1.1867% | 1,704 |
| Net loans and leases to total assets | 75.7023% | 1,456 |
| Net loans and leases to deposits | 98.9719% | 685 |
| Net loans and leases to core deposits | 121.0727% | 438 |
| Total domestic deposits to total assets | 76.4887% | 5,176 |
| Equity capital to assets | 8.6758% | 5,090 |
| Core capital (leverage) ratio | 8.5890% | 5,162 |
| Tier 1 risk-based capital ratio | 11.7074% | 4,908 |
| Total risk-based capital ratio | 12.9589% | 4,806 |
| Memoranda: | ||
| Average total assets | $169,306,500 | 3,316 |
| Average earning assets | $163,772,000 | 3,219 |
| Average equity | $14,412,500 | 3,860 |
| Average total loans | $126,679,000 | 3,014 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,161 |
| Cost of funding earning assets | 0.8215% | 452 |
| Net interest margin | 3.4734% | 3,531 |
| Noninterest income to average assets | 0.2361% | 5,004 |
| Noninterest expense to average assets | 2.2882% | 4,586 |
| Loan and lease loss provision to assets | 0.1557% | 1,599 |
| Net operating income to assets | 0.7597% | 3,492 |
| Return on assets (ROA) | 0.7597% | 3,601 |
| Pretax return on assets | 1.1444% | 2,920 |
| Return on Equity (ROE) | 9.1836% | 2,324 |
| Retained earnings to average equity (ytd only) | 9.1836% | 546 |
| Net charge-offs to loans | 0.0088% | 3,971 |
| Credit loss provision to net charge-offs | 2,400.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 200.4000% | 339 |
| Efficiency ratio | 63.7679% | 3,983 |
| Assets per employee ($millions) | 6.3102% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,513 |
| Loan loss allowance to noncurrent loans | 119.8524% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 2,104 |
| Noncurrent loans to loans | 1.0897% | 1,915 |
| Net loans and leases to total assets | 72.0311% | 2,163 |
| Net loans and leases to deposits | 92.1925% | 1,426 |
| Net loans and leases to core deposits | 118.7002% | 519 |
| Total domestic deposits to total assets | 78.1312% | 4,960 |
| Equity capital to assets | 8.3516% | 5,388 |
| Core capital (leverage) ratio | 8.3322% | 5,414 |
| Tier 1 risk-based capital ratio | 11.6509% | 4,956 |
| Total risk-based capital ratio | 12.9034% | 4,863 |
| Memoranda: | ||
| Average total assets | $154,141,800 | 3,454 |
| Average earning assets | $148,758,000 | 3,389 |
| Average equity | $12,751,000 | 4,129 |
| Average total loans | $114,104,600 | 3,154 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,143 |
| Cost of funding earning assets | 0.8207% | 448 |
| Net interest margin | 3.4855% | 3,524 |
| Noninterest income to average assets | 0.2514% | 4,962 |
| Noninterest expense to average assets | 2.3249% | 4,476 |
| Loan and lease loss provision to assets | 0.1599% | 1,448 |
| Net operating income to assets | 0.7516% | 3,601 |
| Return on assets (ROA) | 0.7516% | 3,730 |
| Pretax return on assets | 1.1282% | 3,119 |
| Return on Equity (ROE) | 9.1101% | 2,443 |
| Retained earnings to average equity (ytd only) | 9.1101% | 788 |
| Net charge-offs to loans | 0.0132% | 3,491 |
| Credit loss provision to net charge-offs | 1,636.3636% | 288 |
| Earnings coverage of net charge-offs (x) | 131.7853% | 516 |
| Efficiency ratio | 64.3472% | 3,880 |
| Assets per employee ($millions) | 5.9929% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 2,701 |
| Loan loss allowance to noncurrent loans | 113.1789% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 2,043 |
| Noncurrent loans to loans | 1.1469% | 1,960 |
| Net loans and leases to total assets | 73.4489% | 1,956 |
| Net loans and leases to deposits | 93.8560% | 1,270 |
| Net loans and leases to core deposits | 115.9506% | 660 |
| Total domestic deposits to total assets | 78.2571% | 4,868 |
| Equity capital to assets | 7.9378% | 5,759 |
| Core capital (leverage) ratio | 7.7078% | 5,785 |
| Tier 1 risk-based capital ratio | 10.4222% | 5,648 |
| Total risk-based capital ratio | 11.6758% | 5,574 |
| Memoranda: | ||
| Average total assets | $150,083,500 | 3,537 |
| Average earning assets | $144,750,250 | 3,453 |
| Average equity | $12,381,500 | 4,232 |
| Average total loans | $111,544,000 | 3,207 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 2,119 |
| Cost of funding earning assets | 0.8119% | 459 |
| Net interest margin | 3.5004% | 3,491 |
| Noninterest income to average assets | 0.2531% | 4,959 |
| Noninterest expense to average assets | 2.4190% | 4,274 |
| Loan and lease loss provision to assets | 0.1642% | 1,371 |
| Net operating income to assets | 0.6923% | 3,830 |
| Return on assets (ROA) | 0.6923% | 3,980 |
| Pretax return on assets | 1.0440% | 3,419 |
| Return on Equity (ROE) | 8.2765% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.2765% | 1,083 |
| Net charge-offs to loans | -0.0037% | 4,465 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6918% | 3,577 |
| Assets per employee ($millions) | 6.3151% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,569 |
| Loan loss allowance to noncurrent loans | 107.2895% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.0559% | 2,011 |
| Noncurrent loans to loans | 1.2490% | 1,840 |
| Net loans and leases to total assets | 70.6993% | 2,369 |
| Net loans and leases to deposits | 90.5138% | 1,695 |
| Net loans and leases to core deposits | 111.3908% | 856 |
| Total domestic deposits to total assets | 78.1089% | 4,979 |
| Equity capital to assets | 7.9442% | 5,821 |
| Core capital (leverage) ratio | 7.9398% | 5,759 |
| Tier 1 risk-based capital ratio | 10.6613% | 5,599 |
| Total risk-based capital ratio | 11.9156% | 5,512 |
| Memoranda: | ||
| Average total assets | $146,175,000 | 3,611 |
| Average earning assets | $140,899,670 | 3,524 |
| Average equity | $12,227,330 | 4,279 |
| Average total loans | $108,588,670 | 3,261 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 1,889 |
| Cost of funding earning assets | 0.7903% | 512 |
| Net interest margin | 3.5816% | 3,156 |
| Noninterest income to average assets | 0.2451% | 4,983 |
| Noninterest expense to average assets | 2.4971% | 4,077 |
| Loan and lease loss provision to assets | 0.1710% | 1,204 |
| Net operating income to assets | 0.6784% | 3,831 |
| Return on assets (ROA) | 0.6784% | 3,948 |
| Pretax return on assets | 1.0262% | 3,383 |
| Return on Equity (ROE) | 7.8873% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.8873% | 1,507 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5926% | 3,530 |
| Assets per employee ($millions) | 5.6151% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,817 |
| Loan loss allowance to noncurrent loans | 117.8282% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 2,167 |
| Noncurrent loans to loans | 1.1179% | 2,160 |
| Net loans and leases to total assets | 74.6125% | 1,626 |
| Net loans and leases to deposits | 99.2239% | 674 |
| Net loans and leases to core deposits | 115.9670% | 591 |
| Total domestic deposits to total assets | 75.1961% | 5,499 |
| Equity capital to assets | 8.3819% | 5,652 |
| Core capital (leverage) ratio | 8.4597% | 5,424 |
| Tier 1 risk-based capital ratio | 10.6137% | 5,705 |
| Total risk-based capital ratio | 11.8708% | 5,608 |
| Memoranda: | ||
| Average total assets | $140,324,000 | 3,735 |
| Average earning assets | $135,136,000 | 3,632 |
| Average equity | $12,070,000 | 4,321 |
| Average total loans | $106,316,000 | 3,306 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 1,880 |
| Cost of funding earning assets | 0.7766% | 556 |
| Net interest margin | 3.6295% | 3,017 |
| Noninterest income to average assets | 0.3314% | 4,527 |
| Noninterest expense to average assets | 2.6682% | 3,698 |
| Loan and lease loss provision to assets | 0.0916% | 2,471 |
| Net operating income to assets | 2.2043% | 247 |
| Return on assets (ROA) | 2.2193% | 249 |
| Pretax return on assets | 1.0893% | 3,112 |
| Return on Equity (ROE) | 26.2195% | 86 |
| Retained earnings to average equity (ytd only) | 26.2195% | 38 |
| Net charge-offs to loans | -0.1364% | 5,866 |
| Credit loss provision to net charge-offs | -88.7097% | 5,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5917% | 3,291 |
| Assets per employee ($millions) | 5.1790% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,593 |
| Loan loss allowance to noncurrent loans | 112.5101% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1088% | 1,978 |
| Noncurrent loans to loans | 1.2117% | 1,946 |
| Net loans and leases to total assets | 74.8988% | 1,588 |
| Net loans and leases to deposits | 97.0656% | 901 |
| Net loans and leases to core deposits | 108.0142% | 971 |
| Total domestic deposits to total assets | 77.1631% | 5,289 |
| Equity capital to assets | 8.8396% | 5,272 |
| Core capital (leverage) ratio | 8.4908% | 5,445 |
| Tier 1 risk-based capital ratio | 10.9545% | 5,545 |
| Total risk-based capital ratio | 12.2128% | 5,443 |
| Memoranda: | ||
| Average total assets | $120,082,400 | 4,065 |
| Average earning assets | $115,884,400 | 3,965 |
| Average equity | $10,164,200 | 4,630 |
| Average total loans | $90,916,600 | 3,571 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 1,866 |
| Cost of funding earning assets | 0.7610% | 618 |
| Net interest margin | 3.6566% | 2,934 |
| Noninterest income to average assets | 0.3515% | 4,426 |
| Noninterest expense to average assets | 2.6623% | 3,681 |
| Loan and lease loss provision to assets | 0.1260% | 1,801 |
| Net operating income to assets | 1.0958% | 2,028 |
| Return on assets (ROA) | 1.1164% | 2,012 |
| Pretax return on assets | 1.1164% | 3,154 |
| Return on Equity (ROE) | 13.3611% | 1,041 |
| Retained earnings to average equity (ytd only) | 13.3611% | 255 |
| Net charge-offs to loans | -0.1741% | 5,960 |
| Credit loss provision to net charge-offs | -95.6522% | 5,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5436% | 3,441 |
| Assets per employee ($millions) | 5.1970% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 2,349 |
| Loan loss allowance to noncurrent loans | 164.4893% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 2,768 |
| Noncurrent loans to loans | 0.8842% | 2,772 |
| Net loans and leases to total assets | 72.2307% | 2,023 |
| Net loans and leases to deposits | 93.3753% | 1,270 |
| Net loans and leases to core deposits | 100.1441% | 1,501 |
| Total domestic deposits to total assets | 77.3552% | 5,284 |
| Equity capital to assets | 7.8900% | 5,997 |
| Core capital (leverage) ratio | 8.3561% | 5,670 |
| Tier 1 risk-based capital ratio | 11.0204% | 5,651 |
| Total risk-based capital ratio | 12.2728% | 5,550 |
| Memoranda: | ||
| Average total assets | $116,439,250 | 4,173 |
| Average earning assets | $112,487,250 | 4,074 |
| Average equity | $9,729,500 | 4,763 |
| Average total loans | $88,083,500 | 3,667 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 1,717 |
| Cost of funding earning assets | 0.7433% | 671 |
| Net interest margin | 3.6960% | 2,724 |
| Noninterest income to average assets | 0.5128% | 3,282 |
| Noninterest expense to average assets | 2.7942% | 3,252 |
| Loan and lease loss provision to assets | 0.1429% | 1,528 |
| Net operating income to assets | 1.1381% | 1,814 |
| Return on assets (ROA) | 1.1702% | 1,772 |
| Pretax return on assets | 1.1702% | 2,897 |
| Return on Equity (ROE) | 13.7091% | 959 |
| Retained earnings to average equity (ytd only) | 13.7091% | 252 |
| Net charge-offs to loans | -0.1027% | 5,804 |
| Credit loss provision to net charge-offs | -181.8182% | 5,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5664% | 3,579 |
| Assets per employee ($millions) | 4.7282% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 2,784 |
| Loan loss allowance to noncurrent loans | 120.2247% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5938% | 1,513 |
| Noncurrent loans to loans | 1.1604% | 2,329 |
| Net loans and leases to total assets | 76.7793% | 1,258 |
| Net loans and leases to deposits | 98.9803% | 722 |
| Net loans and leases to core deposits | 104.4541% | 1,160 |
| Total domestic deposits to total assets | 77.5703% | 5,365 |
| Equity capital to assets | 8.3617% | 5,787 |
| Core capital (leverage) ratio | 8.6878% | 5,333 |
| Tier 1 risk-based capital ratio | 11.0604% | 5,683 |
| Total risk-based capital ratio | 12.3111% | 5,603 |
| Memoranda: | ||
| Average total assets | $111,944,330 | 4,302 |
| Average earning assets | $107,901,330 | 4,188 |
| Average equity | $9,555,670 | 4,831 |
| Average total loans | $85,701,330 | 3,740 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 1,653 |
| Cost of funding earning assets | 0.7370% | 708 |
| Net interest margin | 3.6965% | 2,628 |
| Noninterest income to average assets | 0.3639% | 4,298 |
| Noninterest expense to average assets | 2.7791% | 3,318 |
| Loan and lease loss provision to assets | 0.1838% | 1,036 |
| Net operating income to assets | 0.9594% | 2,451 |
| Return on assets (ROA) | 1.0256% | 2,292 |
| Pretax return on assets | 1.0256% | 3,401 |
| Return on Equity (ROE) | 11.8831% | 1,381 |
| Retained earnings to average equity (ytd only) | 11.8831% | 585 |
| Net charge-offs to loans | 0.0242% | 2,679 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 62.2000% | 719 |
| Efficiency ratio | 70.8529% | 3,344 |
| Assets per employee ($millions) | 4.3626% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 2,801 |
| Loan loss allowance to noncurrent loans | 111.2650% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.8246% | 1,343 |
| Noncurrent loans to loans | 1.2827% | 2,236 |
| Net loans and leases to total assets | 76.3066% | 1,169 |
| Net loans and leases to deposits | 95.7456% | 847 |
| Net loans and leases to core deposits | 101.3444% | 1,232 |
| Total domestic deposits to total assets | 79.6972% | 5,123 |
| Equity capital to assets | 8.7572% | 5,540 |
| Core capital (leverage) ratio | 8.8430% | 5,148 |
| Tier 1 risk-based capital ratio | 11.5636% | 5,517 |
| Total risk-based capital ratio | 12.8153% | 5,433 |
| Memoranda: | ||
| Average total assets | $108,814,000 | 4,393 |
| Average earning assets | $104,749,000 | 4,285 |
| Average equity | $9,391,500 | 4,897 |
| Average total loans | $82,531,500 | 3,824 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 1,393 |
| Cost of funding earning assets | 0.7374% | 909 |
| Net interest margin | 3.9224% | 2,151 |
| Noninterest income to average assets | 0.3674% | 4,448 |
| Noninterest expense to average assets | 3.1260% | 2,432 |
| Loan and lease loss provision to assets | 0.3922% | 461 |
| Net operating income to assets | 0.6151% | 4,297 |
| Return on assets (ROA) | 0.6233% | 4,366 |
| Pretax return on assets | 0.6233% | 4,860 |
| Return on Equity (ROE) | 7.0208% | 3,618 |
| Retained earnings to average equity (ytd only) | 7.0208% | 1,401 |
| Net charge-offs to loans | 0.1133% | 2,898 |
| Credit loss provision to net charge-offs | 475.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 2,407 |
| Efficiency ratio | 75.6305% | 2,568 |
| Assets per employee ($millions) | 4.3426% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 2,753 |
| Loan loss allowance to noncurrent loans | 97.9730% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.8579% | 1,394 |
| Noncurrent loans to loans | 1.4683% | 1,998 |
| Net loans and leases to total assets | 73.2057% | 1,721 |
| Net loans and leases to deposits | 92.1984% | 1,267 |
| Net loans and leases to core deposits | 98.3516% | 1,524 |
| Total domestic deposits to total assets | 79.4002% | 5,159 |
| Equity capital to assets | 8.5037% | 5,754 |
| Core capital (leverage) ratio | 8.8671% | 5,161 |
| Tier 1 risk-based capital ratio | 11.8495% | 5,463 |
| Total risk-based capital ratio | 13.1020% | 5,366 |
| Memoranda: | ||
| Average total assets | $96,897,000 | 4,679 |
| Average earning assets | $93,028,800 | 4,580 |
| Average equity | $8,603,000 | 5,064 |
| Average total loans | $70,613,600 | 4,164 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 2,114 |
| Cost of funding earning assets | 0.7378% | 954 |
| Net interest margin | 3.6932% | 3,050 |
| Noninterest income to average assets | 0.4185% | 4,111 |
| Noninterest expense to average assets | 3.2247% | 2,107 |
| Loan and lease loss provision to assets | 0.4256% | 379 |
| Net operating income to assets | 0.3121% | 5,548 |
| Return on assets (ROA) | 0.3235% | 5,585 |
| Pretax return on assets | 0.3235% | 5,731 |
| Return on Equity (ROE) | 3.5993% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.5993% | 4,090 |
| Net charge-offs to loans | -0.0392% | 5,826 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3820% | 1,693 |
| Assets per employee ($millions) | 3.9989% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 2,793 |
| Loan loss allowance to noncurrent loans | 80.4911% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.2689% | 1,205 |
| Noncurrent loans to loans | 1.8461% | 1,730 |
| Net loans and leases to total assets | 75.2414% | 1,328 |
| Net loans and leases to deposits | 92.0656% | 1,221 |
| Net loans and leases to core deposits | 98.2838% | 1,507 |
| Total domestic deposits to total assets | 81.7258% | 4,579 |
| Equity capital to assets | 8.4542% | 5,828 |
| Core capital (leverage) ratio | 9.2755% | 4,671 |
| Tier 1 risk-based capital ratio | 11.6193% | 5,728 |
| Total risk-based capital ratio | 12.8731% | 5,638 |
| Memoranda: | ||
| Average total assets | $93,980,250 | 4,801 |
| Average earning assets | $90,180,250 | 4,701 |
| Average equity | $8,445,750 | 5,143 |
| Average total loans | $68,108,250 | 4,275 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 2,234 |
| Cost of funding earning assets | 0.7526% | 913 |
| Net interest margin | 3.6319% | 3,225 |
| Noninterest income to average assets | 0.4744% | 3,676 |
| Noninterest expense to average assets | 3.3271% | 1,846 |
| Loan and lease loss provision to assets | 0.3420% | 530 |
| Net operating income to assets | 0.2868% | 5,616 |
| Return on assets (ROA) | 0.2912% | 5,665 |
| Pretax return on assets | 0.2912% | 5,798 |
| Return on Equity (ROE) | 3.1689% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.1689% | 4,186 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1049% | 1,501 |
| Assets per employee ($millions) | 3.5858% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 3,185 |
| Loan loss allowance to noncurrent loans | 59.3567% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.8252% | 923 |
| Noncurrent loans to loans | 2.4121% | 1,305 |
| Net loans and leases to total assets | 74.9515% | 1,316 |
| Net loans and leases to deposits | 83.5601% | 2,076 |
| Net loans and leases to core deposits | 88.9576% | 2,213 |
| Total domestic deposits to total assets | 89.6976% | 969 |
| Equity capital to assets | 9.3595% | 4,902 |
| Core capital (leverage) ratio | 9.5947% | 4,183 |
| Tier 1 risk-based capital ratio | 12.8357% | 5,016 |
| Total risk-based capital ratio | 14.0880% | 4,951 |
| Memoranda: | ||
| Average total assets | $90,649,670 | 4,916 |
| Average earning assets | $86,896,000 | 4,806 |
| Average equity | $8,331,000 | 5,189 |
| Average total loans | $64,341,000 | 4,413 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,727 |
| Cost of funding earning assets | 0.7616% | 920 |
| Net interest margin | 3.4764% | 3,796 |
| Noninterest income to average assets | 0.4253% | 3,984 |
| Noninterest expense to average assets | 3.2946% | 1,955 |
| Loan and lease loss provision to assets | 0.3133% | 596 |
| Net operating income to assets | 0.1477% | 5,934 |
| Return on assets (ROA) | 0.1477% | 5,965 |
| Pretax return on assets | 0.1477% | 6,009 |
| Return on Equity (ROE) | 1.6229% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.6229% | 4,961 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7235% | 1,257 |
| Assets per employee ($millions) | 3.4886% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 3,372 |
| Loan loss allowance to noncurrent loans | 74.2812% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.3990% | 1,350 |
| Noncurrent loans to loans | 1.9506% | 1,929 |
| Net loans and leases to total assets | 69.7386% | 1,940 |
| Net loans and leases to deposits | 77.7385% | 2,596 |
| Net loans and leases to core deposits | 83.4059% | 2,583 |
| Total domestic deposits to total assets | 89.7093% | 1,237 |
| Equity capital to assets | 9.3988% | 4,628 |
| Core capital (leverage) ratio | 9.7987% | 3,865 |
| Tier 1 risk-based capital ratio | 13.8421% | 4,442 |
| Total risk-based capital ratio | 15.0940% | 4,390 |
| Memoranda: | ||
| Average total assets | $89,359,000 | 4,988 |
| Average earning assets | $85,605,500 | 4,878 |
| Average equity | $8,133,500 | 5,251 |
| Average total loans | $61,065,000 | 4,548 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 1,842 |
| Cost of funding earning assets | 0.8426% | 983 |
| Net interest margin | 3.7666% | 2,777 |
| Noninterest income to average assets | 0.5578% | 3,349 |
| Noninterest expense to average assets | 3.5020% | 1,641 |
| Loan and lease loss provision to assets | 0.4602% | 623 |
| Net operating income to assets | 0.1916% | 5,846 |
| Return on assets (ROA) | 0.2136% | 5,848 |
| Pretax return on assets | 0.2136% | 5,913 |
| Return on Equity (ROE) | 2.7345% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.7345% | 4,289 |
| Net charge-offs to loans | 0.8570% | 717 |
| Credit loss provision to net charge-offs | 81.9565% | 2,988 |
| Earnings coverage of net charge-offs (x) | 1.1609% | 4,680 |
| Efficiency ratio | 84.3080% | 1,594 |
| Assets per employee ($millions) | 3.3852% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 3,267 |
| Loan loss allowance to noncurrent loans | 67.0827% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.5143% | 1,361 |
| Noncurrent loans to loans | 2.2124% | 1,759 |
| Net loans and leases to total assets | 64.8583% | 2,895 |
| Net loans and leases to deposits | 71.8665% | 3,533 |
| Net loans and leases to core deposits | 76.0251% | 3,607 |
| Total domestic deposits to total assets | 90.2483% | 938 |
| Equity capital to assets | 8.7962% | 5,261 |
| Core capital (leverage) ratio | 9.4286% | 4,372 |
| Tier 1 risk-based capital ratio | 13.9949% | 4,301 |
| Total risk-based capital ratio | 15.2483% | 4,235 |
| Memoranda: | ||
| Average total assets | $81,923,600 | 5,192 |
| Average earning assets | $78,214,800 | 5,084 |
| Average equity | $6,399,800 | 5,716 |
| Average total loans | $53,676,800 | 4,824 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,804 |
| Cost of funding earning assets | 0.8582% | 997 |
| Net interest margin | 3.7700% | 2,750 |
| Noninterest income to average assets | 0.5356% | 3,550 |
| Noninterest expense to average assets | 3.5654% | 1,467 |
| Loan and lease loss provision to assets | 0.4013% | 751 |
| Net operating income to assets | 0.1675% | 5,996 |
| Return on assets (ROA) | 0.1675% | 6,064 |
| Pretax return on assets | 0.1675% | 6,102 |
| Return on Equity (ROE) | 2.2206% | 5,872 |
| Retained earnings to average equity (ytd only) | 2.2206% | 4,990 |
| Net charge-offs to loans | 0.7983% | 738 |
| Credit loss provision to net charge-offs | 76.8254% | 2,920 |
| Earnings coverage of net charge-offs (x) | 1.0889% | 4,482 |
| Efficiency ratio | 86.2415% | 1,340 |
| Assets per employee ($millions) | 3.3580% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 3,214 |
| Loan loss allowance to noncurrent loans | 53.0811% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 2.9053% | 1,279 |
| Noncurrent loans to loans | 2.9246% | 1,394 |
| Net loans and leases to total assets | 65.7193% | 2,684 |
| Net loans and leases to deposits | 72.1967% | 3,485 |
| Net loans and leases to core deposits | 76.4886% | 3,564 |
| Total domestic deposits to total assets | 91.0281% | 519 |
| Equity capital to assets | 7.9511% | 6,177 |
| Core capital (leverage) ratio | 8.5534% | 5,718 |
| Tier 1 risk-based capital ratio | 12.4778% | 5,471 |
| Total risk-based capital ratio | 13.7313% | 5,409 |
| Memoranda: | ||
| Average total assets | $80,400,750 | 5,278 |
| Average earning assets | $76,744,000 | 5,175 |
| Average equity | $6,064,250 | 5,879 |
| Average total loans | $52,609,750 | 4,900 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 1,429 |
| Cost of funding earning assets | 0.8653% | 1,061 |
| Net interest margin | 3.8927% | 2,234 |
| Noninterest income to average assets | 0.5378% | 3,583 |
| Noninterest expense to average assets | 3.6532% | 1,324 |
| Loan and lease loss provision to assets | 0.4873% | 573 |
| Net operating income to assets | 0.1111% | 6,109 |
| Return on assets (ROA) | 0.1111% | 6,201 |
| Pretax return on assets | 0.1111% | 6,215 |
| Return on Equity (ROE) | 1.5015% | 6,092 |
| Retained earnings to average equity (ytd only) | 1.5015% | 5,268 |
| Net charge-offs to loans | 0.6567% | 995 |
| Credit loss provision to net charge-offs | 114.2012% | 1,936 |
| Earnings coverage of net charge-offs (x) | 1.4024% | 4,070 |
| Efficiency ratio | 85.9264% | 1,417 |
| Assets per employee ($millions) | 3.5110% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 2,454 |
| Loan loss allowance to noncurrent loans | 60.7794% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.9609% | 1,379 |
| Noncurrent loans to loans | 2.9522% | 1,514 |
| Net loans and leases to total assets | 65.5402% | 2,673 |
| Net loans and leases to deposits | 71.7569% | 3,484 |
| Net loans and leases to core deposits | 73.8856% | 3,827 |
| Total domestic deposits to total assets | 91.3364% | 431 |
| Equity capital to assets | 7.1107% | 6,575 |
| Core capital (leverage) ratio | 7.4882% | 6,458 |
| Tier 1 risk-based capital ratio | 11.2109% | 6,240 |
| Total risk-based capital ratio | 12.4676% | 6,204 |
| Memoranda: | ||
| Average total assets | $79,217,330 | 5,342 |
| Average earning assets | $75,576,670 | 5,238 |
| Average equity | $5,860,670 | 5,959 |
| Average total loans | $51,465,670 | 4,966 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 1,134 |
| Cost of funding earning assets | 0.8668% | 1,170 |
| Net interest margin | 4.0132% | 1,736 |
| Noninterest income to average assets | 0.4997% | 3,768 |
| Noninterest expense to average assets | 3.8088% | 1,099 |
| Loan and lease loss provision to assets | 0.4181% | 726 |
| Net operating income to assets | 0.0969% | 6,155 |
| Return on assets (ROA) | 0.0969% | 6,249 |
| Pretax return on assets | 0.0969% | 6,264 |
| Return on Equity (ROE) | 1.2838% | 6,152 |
| Retained earnings to average equity (ytd only) | 1.2838% | 5,339 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0896% | 1,320 |
| Assets per employee ($millions) | 3.1989% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0582% | 1,899 |
| Loan loss allowance to noncurrent loans | 52.8351% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 3.5900% | 1,170 |
| Noncurrent loans to loans | 3.8954% | 1,176 |
| Net loans and leases to total assets | 60.9918% | 3,250 |
| Net loans and leases to deposits | 67.9175% | 3,784 |
| Net loans and leases to core deposits | 70.0125% | 4,082 |
| Total domestic deposits to total assets | 89.8028% | 1,162 |
| Equity capital to assets | 7.3537% | 6,634 |
| Core capital (leverage) ratio | 7.6962% | 6,357 |
| Tier 1 risk-based capital ratio | 12.0268% | 5,901 |
| Total risk-based capital ratio | 13.2880% | 5,850 |
| Memoranda: | ||
| Average total assets | $78,450,000 | 5,402 |
| Average earning assets | $74,753,500 | 5,301 |
| Average equity | $5,920,000 | 6,007 |
| Average total loans | $50,252,500 | 5,049 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 1,906 |
| Cost of funding earning assets | 0.9532% | 1,623 |
| Net interest margin | 3.9265% | 2,713 |
| Noninterest income to average assets | 0.4869% | 3,987 |
| Noninterest expense to average assets | 4.2321% | 737 |
| Loan and lease loss provision to assets | 0.1700% | 3,493 |
| Net operating income to assets | -0.1618% | 6,348 |
| Return on assets (ROA) | 0.1183% | 6,113 |
| Pretax return on assets | 0.1183% | 6,126 |
| Return on Equity (ROE) | 1.4638% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.4638% | 5,137 |
| Net charge-offs to loans | 0.2904% | 3,200 |
| Credit loss provision to net charge-offs | 84.4595% | 3,681 |
| Earnings coverage of net charge-offs (x) | 0.0405% | 5,469 |
| Efficiency ratio | 99.8076% | 568 |
| Assets per employee ($millions) | 3.0771% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 2,416 |
| Loan loss allowance to noncurrent loans | 43.1974% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 4.0597% | 1,050 |
| Noncurrent loans to loans | 4.3055% | 1,024 |
| Net loans and leases to total assets | 64.6847% | 2,777 |
| Net loans and leases to deposits | 72.4330% | 3,342 |
| Net loans and leases to core deposits | 74.4565% | 3,724 |
| Total domestic deposits to total assets | 89.3028% | 1,371 |
| Equity capital to assets | 7.7463% | 6,525 |
| Core capital (leverage) ratio | 7.7286% | 6,387 |
| Tier 1 risk-based capital ratio | 11.7218% | 5,942 |
| Total risk-based capital ratio | 12.9783% | 5,911 |
| Memoranda: | ||
| Average total assets | $73,533,200 | 5,530 |
| Average earning assets | $70,291,400 | 5,417 |
| Average equity | $5,943,600 | 6,034 |
| Average total loans | $50,965,800 | 5,068 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9312% | 1,896 |
| Cost of funding earning assets | 0.9540% | 1,832 |
| Net interest margin | 3.9771% | 2,594 |
| Noninterest income to average assets | 0.5228% | 3,785 |
| Noninterest expense to average assets | 4.2319% | 697 |
| Loan and lease loss provision to assets | 0.1834% | 3,295 |
| Net operating income to assets | -0.0844% | 6,390 |
| Return on assets (ROA) | 0.1541% | 6,181 |
| Pretax return on assets | 0.1541% | 6,196 |
| Return on Equity (ROE) | 1.8856% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.8856% | 5,392 |
| Net charge-offs to loans | 0.3370% | 2,774 |
| Credit loss provision to net charge-offs | 77.5194% | 3,692 |
| Earnings coverage of net charge-offs (x) | 0.4186% | 5,117 |
| Efficiency ratio | 97.7128% | 611 |
| Assets per employee ($millions) | 3.0451% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 2,622 |
| Loan loss allowance to noncurrent loans | 51.7946% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.6469% | 1,993 |
| Noncurrent loans to loans | 3.5865% | 1,511 |
| Net loans and leases to total assets | 65.0978% | 2,819 |
| Net loans and leases to deposits | 73.1458% | 3,423 |
| Net loans and leases to core deposits | 75.8576% | 3,745 |
| Total domestic deposits to total assets | 88.9973% | 1,426 |
| Equity capital to assets | 7.9827% | 6,601 |
| Core capital (leverage) ratio | 8.0073% | 6,322 |
| Tier 1 risk-based capital ratio | 12.0273% | 5,925 |
| Total risk-based capital ratio | 13.2851% | 5,906 |
| Memoranda: | ||
| Average total assets | $72,684,750 | 5,617 |
| Average earning assets | $69,596,500 | 5,504 |
| Average equity | $5,939,750 | 6,107 |
| Average total loans | $51,031,500 | 5,127 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 1,758 |
| Cost of funding earning assets | 0.9590% | 2,003 |
| Net interest margin | 4.0524% | 2,285 |
| Noninterest income to average assets | 0.5368% | 3,670 |
| Noninterest expense to average assets | 4.3670% | 613 |
| Loan and lease loss provision to assets | 0.2796% | 2,349 |
| Net operating income to assets | -0.2348% | 6,569 |
| Return on assets (ROA) | 0.1286% | 6,257 |
| Pretax return on assets | 0.1286% | 6,266 |
| Return on Equity (ROE) | 1.5609% | 6,178 |
| Retained earnings to average equity (ytd only) | 1.5609% | 5,422 |
| Net charge-offs to loans | 0.4296% | 2,322 |
| Credit loss provision to net charge-offs | 90.9091% | 3,017 |
| Earnings coverage of net charge-offs (x) | 0.1455% | 5,002 |
| Efficiency ratio | 98.9861% | 595 |
| Assets per employee ($millions) | 2.9221% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9196% | 2,481 |
| Loan loss allowance to noncurrent loans | 54.1643% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.7788% | 1,986 |
| Noncurrent loans to loans | 3.5440% | 1,617 |
| Net loans and leases to total assets | 66.8652% | 2,491 |
| Net loans and leases to deposits | 75.2256% | 3,095 |
| Net loans and leases to core deposits | 76.4608% | 3,721 |
| Total domestic deposits to total assets | 88.8862% | 1,580 |
| Equity capital to assets | 8.0366% | 6,547 |
| Core capital (leverage) ratio | 8.2162% | 6,032 |
| Tier 1 risk-based capital ratio | 12.0829% | 5,871 |
| Total risk-based capital ratio | 13.3422% | 5,849 |
| Memoranda: | ||
| Average total assets | $71,537,330 | 5,677 |
| Average earning assets | $68,403,330 | 5,576 |
| Average equity | $5,894,000 | 6,145 |
| Average total loans | $51,210,330 | 5,137 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 1,803 |
| Cost of funding earning assets | 0.9754% | 2,130 |
| Net interest margin | 4.0496% | 2,305 |
| Noninterest income to average assets | 0.5369% | 3,651 |
| Noninterest expense to average assets | 4.3007% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1074% | 6,223 |
| Return on assets (ROA) | 0.1074% | 6,348 |
| Pretax return on assets | 0.1074% | 6,371 |
| Return on Equity (ROE) | 1.2869% | 6,289 |
| Retained earnings to average equity (ytd only) | 1.2869% | 5,580 |
| Net charge-offs to loans | -0.0077% | 5,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5641% | 652 |
| Assets per employee ($millions) | 2.9758% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8343% | 2,884 |
| Loan loss allowance to noncurrent loans | 45.3991% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.2457% | 1,779 |
| Noncurrent loans to loans | 4.0404% | 1,508 |
| Net loans and leases to total assets | 72.4621% | 1,323 |
| Net loans and leases to deposits | 81.9597% | 1,940 |
| Net loans and leases to core deposits | 84.1151% | 2,532 |
| Total domestic deposits to total assets | 88.4119% | 2,063 |
| Equity capital to assets | 8.2822% | 6,284 |
| Core capital (leverage) ratio | 8.3254% | 5,835 |
| Tier 1 risk-based capital ratio | 11.4238% | 6,327 |
| Total risk-based capital ratio | 12.6823% | 6,303 |
| Memoranda: | ||
| Average total assets | $70,779,500 | 5,745 |
| Average earning assets | $67,661,500 | 5,634 |
| Average equity | $5,905,500 | 6,171 |
| Average total loans | $51,914,000 | 5,150 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 1,859 |
| Cost of funding earning assets | 1.1487% | 2,360 |
| Net interest margin | 4.1039% | 2,411 |
| Noninterest income to average assets | 0.6053% | 3,136 |
| Noninterest expense to average assets | 4.5733% | 546 |
| Loan and lease loss provision to assets | 0.2561% | 3,643 |
| Net operating income to assets | -0.3201% | 6,359 |
| Return on assets (ROA) | -0.1310% | 6,261 |
| Pretax return on assets | -0.1310% | 6,225 |
| Return on Equity (ROE) | -1.7040% | 6,312 |
| Retained earnings to average equity (ytd only) | -1.7040% | 6,117 |
| Net charge-offs to loans | 0.8906% | 1,950 |
| Credit loss provision to net charge-offs | 38.5120% | 5,657 |
| Earnings coverage of net charge-offs (x) | -0.0963% | 5,895 |
| Efficiency ratio | 101.4198% | 636 |
| Assets per employee ($millions) | 3.1882% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 2,599 |
| Loan loss allowance to noncurrent loans | 57.3975% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.6675% | 2,283 |
| Noncurrent loans to loans | 3.2929% | 1,967 |
| Net loans and leases to total assets | 71.4903% | 1,733 |
| Net loans and leases to deposits | 81.0775% | 2,344 |
| Net loans and leases to core deposits | 82.9101% | 3,039 |
| Total domestic deposits to total assets | 88.1752% | 2,039 |
| Equity capital to assets | 8.4059% | 6,242 |
| Core capital (leverage) ratio | 8.3537% | 5,776 |
| Tier 1 risk-based capital ratio | 11.7738% | 5,975 |
| Total risk-based capital ratio | 13.0328% | 5,952 |
| Memoranda: | ||
| Average total assets | $68,724,600 | 5,788 |
| Average earning assets | $65,377,400 | 5,691 |
| Average equity | $5,281,800 | 6,356 |
| Average total loans | $51,315,000 | 5,221 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2240% | 2,116 |
| Cost of funding earning assets | 1.1798% | 2,451 |
| Net interest margin | 4.0442% | 2,717 |
| Noninterest income to average assets | 0.6357% | 2,961 |
| Noninterest expense to average assets | 4.6803% | 486 |
| Loan and lease loss provision to assets | 0.3432% | 2,824 |
| Net operating income to assets | -0.5441% | 6,657 |
| Return on assets (ROA) | -0.2906% | 6,541 |
| Pretax return on assets | -0.2906% | 6,485 |
| Return on Equity (ROE) | -3.8738% | 6,622 |
| Retained earnings to average equity (ytd only) | -3.8738% | 6,503 |
| Net charge-offs to loans | 1.1862% | 1,323 |
| Credit loss provision to net charge-offs | 38.5120% | 5,279 |
| Earnings coverage of net charge-offs (x) | -0.2254% | 5,732 |
| Efficiency ratio | 104.4841% | 538 |
| Assets per employee ($millions) | 3.1750% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 2,797 |
| Loan loss allowance to noncurrent loans | 61.0234% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 2.5354% | 2,538 |
| Noncurrent loans to loans | 3.0211% | 2,288 |
| Net loans and leases to total assets | 73.6324% | 1,387 |
| Net loans and leases to deposits | 83.4924% | 2,091 |
| Net loans and leases to core deposits | 84.9655% | 2,917 |
| Total domestic deposits to total assets | 88.1906% | 1,934 |
| Equity capital to assets | 8.3678% | 6,424 |
| Core capital (leverage) ratio | 8.4719% | 5,747 |
| Tier 1 risk-based capital ratio | 11.4233% | 6,286 |
| Total risk-based capital ratio | 12.6751% | 6,280 |
| Memoranda: | ||
| Average total assets | $68,370,500 | 5,829 |
| Average earning assets | $64,980,750 | 5,743 |
| Average equity | $5,128,250 | 6,458 |
| Average total loans | $51,366,250 | 5,259 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 2,264 |
| Cost of funding earning assets | 1.2458% | 2,279 |
| Net interest margin | 3.9518% | 3,078 |
| Noninterest income to average assets | 0.6364% | 2,916 |
| Noninterest expense to average assets | 4.9531% | 384 |
| Loan and lease loss provision to assets | 0.5186% | 1,890 |
| Net operating income to assets | -1.0873% | 6,969 |
| Return on assets (ROA) | -1.0342% | 6,961 |
| Pretax return on assets | -1.0342% | 6,906 |
| Return on Equity (ROE) | -14.3578% | 7,051 |
| Retained earnings to average equity (ytd only) | -14.3578% | 7,018 |
| Net charge-offs to loans | 1.2936% | 1,192 |
| Credit loss provision to net charge-offs | 53.3333% | 4,502 |
| Earnings coverage of net charge-offs (x) | -0.5848% | 5,548 |
| Efficiency ratio | 112.9704% | 424 |
| Assets per employee ($millions) | 3.0376% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1923% | 1,936 |
| Loan loss allowance to noncurrent loans | 61.9615% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 3.2053% | 2,094 |
| Noncurrent loans to loans | 3.5381% | 2,000 |
| Net loans and leases to total assets | 72.9705% | 1,598 |
| Net loans and leases to deposits | 84.9015% | 1,961 |
| Net loans and leases to core deposits | 86.5085% | 2,826 |
| Total domestic deposits to total assets | 85.9473% | 3,356 |
| Equity capital to assets | 8.2856% | 6,438 |
| Core capital (leverage) ratio | 8.3719% | 5,751 |
| Tier 1 risk-based capital ratio | 11.5447% | 6,137 |
| Total risk-based capital ratio | 12.8016% | 6,120 |
| Memoranda: | ||
| Average total assets | $67,877,000 | 5,891 |
| Average earning assets | $64,375,000 | 5,809 |
| Average equity | $4,889,330 | 6,567 |
| Average total loans | $51,022,000 | 5,313 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 1,944 |
| Cost of funding earning assets | 1.3148% | 2,099 |
| Net interest margin | 3.9628% | 2,856 |
| Noninterest income to average assets | 0.6140% | 3,074 |
| Noninterest expense to average assets | 4.4502% | 628 |
| Loan and lease loss provision to assets | 0.3860% | 2,252 |
| Net operating income to assets | -0.4678% | 6,788 |
| Return on assets (ROA) | -0.3626% | 6,722 |
| Pretax return on assets | -0.3626% | 6,662 |
| Return on Equity (ROE) | -5.4320% | 6,834 |
| Retained earnings to average equity (ytd only) | -5.4320% | 6,552 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8742% | 675 |
| Assets per employee ($millions) | 3.1008% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5585% | 1,371 |
| Loan loss allowance to noncurrent loans | 78.9537% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 3.2059% | 2,148 |
| Noncurrent loans to loans | 3.2405% | 2,321 |
| Net loans and leases to total assets | 73.3043% | 1,455 |
| Net loans and leases to deposits | 86.0940% | 1,715 |
| Net loans and leases to core deposits | 87.7021% | 2,640 |
| Total domestic deposits to total assets | 85.1445% | 3,973 |
| Equity capital to assets | 8.4099% | 6,035 |
| Core capital (leverage) ratio | 8.6238% | 5,222 |
| Tier 1 risk-based capital ratio | 11.8799% | 5,800 |
| Total risk-based capital ratio | 13.1462% | 5,780 |
| Memoranda: | ||
| Average total assets | $68,402,000 | 5,919 |
| Average earning assets | $64,802,000 | 5,832 |
| Average equity | $4,565,500 | 6,694 |
| Average total loans | $51,604,500 | 5,342 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 2,047 |
| Cost of funding earning assets | 1.7955% | 1,187 |
| Net interest margin | 3.7646% | 4,089 |
| Noninterest income to average assets | 0.5832% | 3,574 |
| Noninterest expense to average assets | 4.0952% | 1,028 |
| Loan and lease loss provision to assets | 1.5327% | 961 |
| Net operating income to assets | -1.5997% | 6,939 |
| Return on assets (ROA) | -1.2976% | 6,854 |
| Pretax return on assets | -1.2976% | 6,777 |
| Return on Equity (ROE) | -24.4967% | 7,124 |
| Retained earnings to average equity (ytd only) | -24.4967% | 7,103 |
| Net charge-offs to loans | 1.0462% | 2,110 |
| Credit loss provision to net charge-offs | 195.4774% | 1,623 |
| Earnings coverage of net charge-offs (x) | -0.0854% | 6,208 |
| Efficiency ratio | 101.6629% | 731 |
| Assets per employee ($millions) | 3.1176% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4032% | 1,542 |
| Loan loss allowance to noncurrent loans | 73.3961% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 3.3578% | 2,088 |
| Noncurrent loans to loans | 3.2742% | 2,319 |
| Net loans and leases to total assets | 73.8376% | 1,690 |
| Net loans and leases to deposits | 86.3773% | 2,027 |
| Net loans and leases to core deposits | 88.3606% | 3,004 |
| Total domestic deposits to total assets | 85.4827% | 3,610 |
| Equity capital to assets | 4.9485% | 7,434 |
| Core capital (leverage) ratio | 5.0289% | 7,417 |
| Tier 1 risk-based capital ratio | 7.0256% | 7,419 |
| Total risk-based capital ratio | 8.2913% | 7,423 |
| Memoranda: | ||
| Average total assets | $76,138,200 | 5,707 |
| Average earning assets | $69,675,000 | 5,683 |
| Average equity | $4,033,200 | 6,989 |
| Average total loans | $57,065,800 | 5,197 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6236% | 1,976 |
| Cost of funding earning assets | 1.9052% | 1,014 |
| Net interest margin | 3.7183% | 4,315 |
| Noninterest income to average assets | 0.5331% | 3,924 |
| Noninterest expense to average assets | 3.9422% | 1,134 |
| Loan and lease loss provision to assets | 1.4029% | 959 |
| Net operating income to assets | -1.4337% | 7,090 |
| Return on assets (ROA) | -1.0389% | 6,963 |
| Pretax return on assets | -1.0389% | 6,878 |
| Return on Equity (ROE) | -19.3334% | 7,206 |
| Retained earnings to average equity (ytd only) | -19.3334% | 7,188 |
| Net charge-offs to loans | 1.3137% | 1,551 |
| Credit loss provision to net charge-offs | 142.7826% | 2,762 |
| Earnings coverage of net charge-offs (x) | -0.0313% | 6,056 |
| Efficiency ratio | 100.7864% | 718 |
| Assets per employee ($millions) | 3.2757% | 5,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7218% | 3,091 |
| Loan loss allowance to noncurrent loans | 48.2236% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 3.6661% | 1,945 |
| Noncurrent loans to loans | 3.5704% | 2,195 |
| Net loans and leases to total assets | 73.1062% | 1,996 |
| Net loans and leases to deposits | 85.5593% | 2,430 |
| Net loans and leases to core deposits | 87.4336% | 3,457 |
| Total domestic deposits to total assets | 85.4451% | 3,382 |
| Equity capital to assets | 5.4673% | 7,535 |
| Core capital (leverage) ratio | 5.2309% | 7,525 |
| Tier 1 risk-based capital ratio | 7.4957% | 7,517 |
| Total risk-based capital ratio | 8.7527% | 7,519 |
| Memoranda: | ||
| Average total assets | $78,026,000 | 5,713 |
| Average earning assets | $70,890,000 | 5,704 |
| Average equity | $4,193,000 | 7,014 |
| Average total loans | $58,359,750 | 5,211 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7245% | 1,673 |
| Cost of funding earning assets | 2.0288% | 829 |
| Net interest margin | 3.6958% | 4,382 |
| Noninterest income to average assets | 0.5099% | 4,027 |
| Noninterest expense to average assets | 3.8819% | 1,210 |
| Loan and lease loss provision to assets | 1.2498% | 1,116 |
| Net operating income to assets | -1.3023% | 7,066 |
| Return on assets (ROA) | -1.2598% | 7,067 |
| Pretax return on assets | -1.2598% | 6,989 |
| Return on Equity (ROE) | -23.5661% | 7,347 |
| Retained earnings to average equity (ytd only) | -23.5661% | 7,333 |
| Net charge-offs to loans | 1.1711% | 1,623 |
| Credit loss provision to net charge-offs | 142.4501% | 2,795 |
| Earnings coverage of net charge-offs (x) | -0.0598% | 5,768 |
| Efficiency ratio | 101.3708% | 758 |
| Assets per employee ($millions) | 4.2837% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 4,122 |
| Loan loss allowance to noncurrent loans | 45.4846% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 2.8726% | 2,507 |
| Noncurrent loans to loans | 3.2102% | 2,494 |
| Net loans and leases to total assets | 72.2943% | 2,326 |
| Net loans and leases to deposits | 84.0366% | 2,864 |
| Net loans and leases to core deposits | 87.0673% | 3,682 |
| Total domestic deposits to total assets | 86.0272% | 3,065 |
| Equity capital to assets | 5.5027% | 7,595 |
| Core capital (leverage) ratio | 5.0183% | 7,601 |
| Tier 1 risk-based capital ratio | 7.2674% | 7,580 |
| Total risk-based capital ratio | 8.5196% | 7,586 |
| Memoranda: | ||
| Average total assets | $80,013,000 | 5,697 |
| Average earning assets | $71,866,000 | 5,711 |
| Average equity | $4,277,330 | 7,021 |
| Average total loans | $59,944,000 | 5,178 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6779% | 1,860 |
| Cost of funding earning assets | 2.0652% | 903 |
| Net interest margin | 3.6127% | 4,672 |
| Noninterest income to average assets | 0.4468% | 4,505 |
| Noninterest expense to average assets | 3.7611% | 1,390 |
| Loan and lease loss provision to assets | 1.4730% | 799 |
| Net operating income to assets | -1.5319% | 7,343 |
| Return on assets (ROA) | -1.5319% | 7,346 |
| Pretax return on assets | -1.5319% | 7,267 |
| Return on Equity (ROE) | -29.0604% | 7,558 |
| Retained earnings to average equity (ytd only) | -29.0604% | 7,528 |
| Net charge-offs to loans | 1.4538% | 1,188 |
| Credit loss provision to net charge-offs | 133.9286% | 2,633 |
| Earnings coverage of net charge-offs (x) | -0.0536% | 5,064 |
| Efficiency ratio | 101.5915% | 797 |
| Assets per employee ($millions) | 3.7191% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 5,177 |
| Loan loss allowance to noncurrent loans | 33.5412% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 2.8477% | 2,539 |
| Noncurrent loans to loans | 3.7440% | 2,123 |
| Net loans and leases to total assets | 72.3649% | 2,365 |
| Net loans and leases to deposits | 85.2357% | 2,721 |
| Net loans and leases to core deposits | 88.4218% | 3,580 |
| Total domestic deposits to total assets | 84.8998% | 3,722 |
| Equity capital to assets | 5.0941% | 7,716 |
| Core capital (leverage) ratio | 5.1603% | 7,689 |
| Tier 1 risk-based capital ratio | 7.2288% | 7,679 |
| Total risk-based capital ratio | 8.4964% | 7,680 |
| Memoranda: | ||
| Average total assets | $81,466,000 | 5,725 |
| Average earning assets | $73,407,000 | 5,727 |
| Average equity | $4,294,500 | 7,074 |
| Average total loans | $61,631,000 | 5,190 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9860% | 1,924 |
| Cost of funding earning assets | 2.6125% | 754 |
| Net interest margin | 3.3735% | 5,477 |
| Noninterest income to average assets | 0.5216% | 4,246 |
| Noninterest expense to average assets | 3.9664% | 1,408 |
| Loan and lease loss provision to assets | 0.3127% | 4,945 |
| Net operating income to assets | -0.6184% | 6,288 |
| Return on assets (ROA) | -0.3776% | 6,048 |
| Pretax return on assets | -0.3776% | 5,896 |
| Return on Equity (ROE) | -6.7252% | 6,365 |
| Retained earnings to average equity (ytd only) | -6.7252% | 6,215 |
| Net charge-offs to loans | 0.5815% | 3,478 |
| Credit loss provision to net charge-offs | 67.4300% | 6,539 |
| Earnings coverage of net charge-offs (x) | -0.6590% | 6,785 |
| Efficiency ratio | 108.3495% | 836 |
| Assets per employee ($millions) | 3.5266% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 6,043 |
| Loan loss allowance to noncurrent loans | 62.9767% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.5731% | 4,024 |
| Noncurrent loans to loans | 1.6983% | 4,096 |
| Net loans and leases to total assets | 77.2056% | 1,546 |
| Net loans and leases to deposits | 92.8408% | 1,760 |
| Net loans and leases to core deposits | 121.0668% | 1,878 |
| Total domestic deposits to total assets | 83.1591% | 4,448 |
| Equity capital to assets | 5.4505% | 7,745 |
| Core capital (leverage) ratio | 5.3885% | 7,727 |
| Tier 1 risk-based capital ratio | 7.3389% | 7,712 |
| Total risk-based capital ratio | 8.4442% | 7,735 |
| Memoranda: | ||
| Average total assets | $84,737,400 | 5,572 |
| Average earning assets | $78,850,800 | 5,496 |
| Average equity | $4,758,200 | 7,040 |
| Average total loans | $67,583,800 | 4,955 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9763% | 2,127 |
| Cost of funding earning assets | 2.6942% | 801 |
| Net interest margin | 3.2820% | 5,709 |
| Noninterest income to average assets | 0.5386% | 4,171 |
| Noninterest expense to average assets | 3.7565% | 1,693 |
| Loan and lease loss provision to assets | 0.4125% | 3,851 |
| Net operating income to assets | -0.5620% | 6,487 |
| Return on assets (ROA) | -0.2755% | 6,180 |
| Pretax return on assets | -0.2755% | 6,074 |
| Return on Equity (ROE) | -4.8733% | 6,438 |
| Retained earnings to average equity (ytd only) | -4.8733% | 6,240 |
| Net charge-offs to loans | 0.4739% | 3,328 |
| Credit loss provision to net charge-offs | 108.6066% | 4,681 |
| Earnings coverage of net charge-offs (x) | -0.3934% | 6,423 |
| Efficiency ratio | 104.1433% | 914 |
| Assets per employee ($millions) | 3.7291% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 4,723 |
| Loan loss allowance to noncurrent loans | 70.4778% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.6649% | 3,873 |
| Noncurrent loans to loans | 1.7943% | 3,925 |
| Net loans and leases to total assets | 75.1918% | 2,196 |
| Net loans and leases to deposits | 89.7055% | 2,632 |
| Net loans and leases to core deposits | 120.0745% | 2,237 |
| Total domestic deposits to total assets | 83.8207% | 3,808 |
| Equity capital to assets | 5.4495% | 7,923 |
| Core capital (leverage) ratio | 5.4726% | 7,875 |
| Tier 1 risk-based capital ratio | 7.3203% | 7,865 |
| Total risk-based capital ratio | 8.4666% | 7,877 |
| Memoranda: | ||
| Average total assets | $85,643,750 | 5,561 |
| Average earning assets | $80,070,250 | 5,491 |
| Average equity | $4,842,500 | 7,064 |
| Average total loans | $68,654,750 | 4,965 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0344% | 2,038 |
| Cost of funding earning assets | 2.7665% | 861 |
| Net interest margin | 3.2679% | 5,673 |
| Noninterest income to average assets | 0.5491% | 4,046 |
| Noninterest expense to average assets | 3.7967% | 1,662 |
| Loan and lease loss provision to assets | 0.0701% | 6,499 |
| Net operating income to assets | -0.2570% | 6,270 |
| Return on assets (ROA) | 0.0678% | 5,747 |
| Pretax return on assets | 0.0678% | 5,746 |
| Return on Equity (ROE) | 1.1840% | 5,578 |
| Retained earnings to average equity (ytd only) | 1.1840% | 4,684 |
| Net charge-offs to loans | 0.2523% | 3,942 |
| Credit loss provision to net charge-offs | 34.0909% | 5,975 |
| Earnings coverage of net charge-offs (x) | -0.9091% | 6,210 |
| Efficiency ratio | 105.1780% | 994 |
| Assets per employee ($millions) | 3.6063% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,447 |
| Loan loss allowance to noncurrent loans | 84.6939% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.3720% | 4,217 |
| Noncurrent loans to loans | 1.3246% | 4,565 |
| Net loans and leases to total assets | 79.3733% | 1,440 |
| Net loans and leases to deposits | 96.2909% | 1,749 |
| Net loans and leases to core deposits | 125.0869% | 1,943 |
| Total domestic deposits to total assets | 82.4307% | 4,511 |
| Equity capital to assets | 5.7760% | 7,965 |
| Core capital (leverage) ratio | 5.8398% | 7,952 |
| Tier 1 risk-based capital ratio | 7.5105% | 7,961 |
| Total risk-based capital ratio | 8.6603% | 7,981 |
| Memoranda: | ||
| Average total assets | $85,601,670 | 5,594 |
| Average earning assets | $80,174,330 | 5,521 |
| Average equity | $4,898,670 | 7,096 |
| Average total loans | $69,767,000 | 4,971 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0020% | 2,353 |
| Cost of funding earning assets | 2.8614% | 848 |
| Net interest margin | 3.1407% | 6,063 |
| Noninterest income to average assets | 0.4878% | 4,431 |
| Noninterest expense to average assets | 3.5937% | 1,880 |
| Loan and lease loss provision to assets | 0.1380% | 5,200 |
| Net operating income to assets | -0.2945% | 6,671 |
| Return on assets (ROA) | 0.1058% | 6,129 |
| Pretax return on assets | 0.1058% | 6,156 |
| Return on Equity (ROE) | 1.8576% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.8576% | 4,823 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5515% | 964 |
| Assets per employee ($millions) | 3.9235% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 4,888 |
| Loan loss allowance to noncurrent loans | 54.7182% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 1.9741% | 2,944 |
| Noncurrent loans to loans | 2.1683% | 3,027 |
| Net loans and leases to total assets | 80.5649% | 1,279 |
| Net loans and leases to deposits | 97.5344% | 1,729 |
| Net loans and leases to core deposits | 128.5957% | 1,738 |
| Total domestic deposits to total assets | 82.6015% | 4,333 |
| Equity capital to assets | 5.7080% | 8,037 |
| Core capital (leverage) ratio | 5.5833% | 8,073 |
| Tier 1 risk-based capital ratio | 7.1525% | 8,084 |
| Total risk-based capital ratio | 8.2995% | 8,101 |
| Memoranda: | ||
| Average total assets | $86,929,500 | 5,580 |
| Average earning assets | $81,639,000 | 5,498 |
| Average equity | $4,952,500 | 7,127 |
| Average total loans | $71,358,500 | 4,930 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7534% | 1,851 |
| Cost of funding earning assets | 3.2065% | 1,168 |
| Net interest margin | 3.5469% | 5,114 |
| Noninterest income to average assets | 0.4843% | 4,761 |
| Noninterest expense to average assets | 4.0091% | 1,409 |
| Loan and lease loss provision to assets | 0.2223% | 4,664 |
| Net operating income to assets | -0.4109% | 6,835 |
| Return on assets (ROA) | -0.0442% | 6,283 |
| Pretax return on assets | -0.0442% | 6,204 |
| Return on Equity (ROE) | -0.7704% | 6,335 |
| Retained earnings to average equity (ytd only) | -0.7704% | 5,532 |
| Net charge-offs to loans | 0.1936% | 4,249 |
| Credit loss provision to net charge-offs | 144.6970% | 3,651 |
| Earnings coverage of net charge-offs (x) | -1.2273% | 6,628 |
| Efficiency ratio | 104.9360% | 839 |
| Assets per employee ($millions) | 3.5016% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 5,174 |
| Loan loss allowance to noncurrent loans | 51.2739% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 1.8905% | 2,601 |
| Noncurrent loans to loans | 2.1703% | 2,545 |
| Net loans and leases to total assets | 81.7160% | 1,282 |
| Net loans and leases to deposits | 98.7971% | 2,011 |
| Net loans and leases to core deposits | 132.5409% | 1,686 |
| Total domestic deposits to total assets | 82.7110% | 3,890 |
| Equity capital to assets | 5.6865% | 8,110 |
| Core capital (leverage) ratio | 5.4042% | 8,172 |
| Tier 1 risk-based capital ratio | 6.9937% | 8,170 |
| Total risk-based capital ratio | 8.1380% | 8,187 |
| Memoranda: | ||
| Average total assets | $85,904,000 | 5,486 |
| Average earning assets | $80,804,000 | 5,409 |
| Average equity | $4,932,400 | 7,169 |
| Average total loans | $68,173,000 | 4,938 |