Home > Auburn Banking Company > Performance and Condition Ratios
Auburn Banking Company, 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 | 6.1901% | 952 |
| Cost of funding earning assets | 2.0849% | 1,700 |
| Net interest margin | 4.1052% | 1,098 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.5662% | 2,116 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.6229% | 867 |
| Return on assets (ROA) | 1.6229% | 862 |
| Pretax return on assets | 1.6229% | 1,259 |
| Return on Equity (ROE) | 23.8700% | 229 |
| Retained earnings to average equity (ytd only) | 10.5013% | 1,081 |
| Net charge-offs to loans | 0.0742% | 979 |
| Credit loss provision to net charge-offs | 65.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 28.9500% | 1,265 |
| Efficiency ratio | 60.7191% | 2,869 |
| Assets per employee ($millions) | 6.0718% | 2,892 |
| Cash dividends to net income (ytd only)* | 56.0071% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 4,030 |
| Loan loss allowance to noncurrent loans | 475.7764% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 2,929 |
| Noncurrent loans to loans | 0.1485% | 2,959 |
| Net loans and leases to total assets | 77.1100% | 942 |
| Net loans and leases to deposits | 88.0198% | 1,302 |
| Net loans and leases to core deposits | 103.1376% | 1,183 |
| Total domestic deposits to total assets | 87.6100% | 1,690 |
| Equity capital to assets | 7.0067% | 4,034 |
| Core capital (leverage) ratio | 8.6792% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5581% | 2,346 |
| Memoranda: | ||
| Average total assets | $139,504,000 | 3,447 |
| Average earning assets | $130,079,500 | 3,439 |
| Average equity | $9,484,500 | 3,831 |
| Average total loans | $107,813,500 | 3,143 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2802% | 936 |
| Cost of funding earning assets | 2.0768% | 2,030 |
| Net interest margin | 4.2033% | 931 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 2.5171% | 2,255 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.7206% | 630 |
| Return on assets (ROA) | 1.7206% | 625 |
| Pretax return on assets | 1.7206% | 940 |
| Return on Equity (ROE) | 27.4400% | 138 |
| Retained earnings to average equity (ytd only) | 12.6455% | 243 |
| Net charge-offs to loans | 0.0464% | 1,696 |
| Credit loss provision to net charge-offs | 300.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 51.9167% | 1,197 |
| Efficiency ratio | 57.9551% | 3,366 |
| Assets per employee ($millions) | 5.8065% | 3,028 |
| Cash dividends to net income (ytd only)* | 53.9182% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7213% | 4,024 |
| Loan loss allowance to noncurrent loans | 858.8889% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 3,108 |
| Noncurrent loans to loans | 0.0840% | 3,221 |
| Net loans and leases to total assets | 76.3500% | 1,100 |
| Net loans and leases to deposits | 88.1613% | 1,382 |
| Net loans and leases to core deposits | 107.9994% | 1,024 |
| Total domestic deposits to total assets | 86.6000% | 2,001 |
| Equity capital to assets | 6.5903% | 4,079 |
| Core capital (leverage) ratio | 8.4859% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1789% | 2,474 |
| Memoranda: | ||
| Average total assets | $136,466,000 | 3,481 |
| Average earning assets | $126,827,600 | 3,467 |
| Average equity | $8,556,400 | 3,918 |
| Average total loans | $103,444,400 | 3,177 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2417% | 955 |
| Cost of funding earning assets | 2.0302% | 2,135 |
| Net interest margin | 4.2115% | 893 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 2.5066% | 2,230 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 1.7189% | 667 |
| Return on assets (ROA) | 1.7189% | 668 |
| Pretax return on assets | 1.7189% | 985 |
| Return on Equity (ROE) | 27.7800% | 144 |
| Retained earnings to average equity (ytd only) | 7.6828% | 1,496 |
| Net charge-offs to loans | 0.0091% | 2,310 |
| Credit loss provision to net charge-offs | 1,900.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 269.0000% | 419 |
| Efficiency ratio | 57.5423% | 3,399 |
| Assets per employee ($millions) | 5.7313% | 3,093 |
| Cash dividends to net income (ytd only)* | 72.3429% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 4,014 |
| Loan loss allowance to noncurrent loans | 223.6769% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 2,189 |
| Noncurrent loans to loans | 0.3351% | 2,267 |
| Net loans and leases to total assets | 77.3000% | 955 |
| Net loans and leases to deposits | 87.9633% | 1,435 |
| Net loans and leases to core deposits | 106.9626% | 1,083 |
| Total domestic deposits to total assets | 87.8700% | 1,283 |
| Equity capital to assets | 6.6456% | 4,208 |
| Core capital (leverage) ratio | 8.1129% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6254% | 2,803 |
| Memoranda: | ||
| Average total assets | $135,743,500 | 3,489 |
| Average earning assets | $126,159,250 | 3,485 |
| Average equity | $8,399,500 | 3,945 |
| Average total loans | $102,512,000 | 3,190 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1469% | 974 |
| Cost of funding earning assets | 1.9597% | 2,223 |
| Net interest margin | 4.1872% | 913 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.5055% | 2,230 |
| Loan and lease loss provision to assets | 0.1800% | 618 |
| Net operating income to assets | 1.6324% | 756 |
| Return on assets (ROA) | 1.6324% | 757 |
| Pretax return on assets | 1.6324% | 1,077 |
| Return on Equity (ROE) | 27.0600% | 175 |
| Retained earnings to average equity (ytd only) | 5.3972% | 2,210 |
| Net charge-offs to loans | 0.0079% | 2,124 |
| Credit loss provision to net charge-offs | 3,100.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 306.7500% | 378 |
| Efficiency ratio | 57.9795% | 3,393 |
| Assets per employee ($millions) | 5.7693% | 2,999 |
| Cash dividends to net income (ytd only)* | 80.0544% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 4,038 |
| Loan loss allowance to noncurrent loans | 658.6777% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 3,048 |
| Noncurrent loans to loans | 0.1141% | 3,076 |
| Net loans and leases to total assets | 76.0100% | 1,172 |
| Net loans and leases to deposits | 87.9572% | 1,486 |
| Net loans and leases to core deposits | 103.5763% | 1,279 |
| Total domestic deposits to total assets | 86.4200% | 1,846 |
| Equity capital to assets | 5.9728% | 4,215 |
| Core capital (leverage) ratio | 8.0980% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3582% | 2,730 |
| Memoranda: | ||
| Average total assets | $135,141,333 | 3,504 |
| Average earning assets | $125,430,000 | 3,497 |
| Average equity | $8,152,333 | 3,958 |
| Average total loans | $100,974,000 | 3,203 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1126% | 926 |
| Cost of funding earning assets | 1.9418% | 2,146 |
| Net interest margin | 4.1708% | 893 |
| Noninterest income to average assets | 0.4200% | 2,181 |
| Noninterest expense to average assets | 2.5322% | 2,156 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.5013% | 898 |
| Return on assets (ROA) | 1.5013% | 911 |
| Pretax return on assets | 1.5013% | 1,245 |
| Return on Equity (ROE) | 24.7600% | 241 |
| Retained earnings to average equity (ytd only) | 11.8614% | 763 |
| Net charge-offs to loans | 0.0122% | 1,642 |
| Credit loss provision to net charge-offs | 2,866.6667% | 152 |
| Earnings coverage of net charge-offs (x) | 195.6667% | 423 |
| Efficiency ratio | 59.0084% | 3,357 |
| Assets per employee ($millions) | 5.5935% | 3,178 |
| Cash dividends to net income (ytd only)* | 52.0958% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,033 |
| Loan loss allowance to noncurrent loans | 584.6154% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 2,982 |
| Noncurrent loans to loans | 0.1287% | 2,968 |
| Net loans and leases to total assets | 74.6600% | 1,257 |
| Net loans and leases to deposits | 84.5640% | 1,670 |
| Net loans and leases to core deposits | 99.4622% | 1,454 |
| Total domestic deposits to total assets | 88.2900% | 1,327 |
| Equity capital to assets | 6.0919% | 4,177 |
| Core capital (leverage) ratio | 8.0709% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7722% | 2,652 |
| Memoranda: | ||
| Average total assets | $133,481,000 | 3,529 |
| Average earning assets | $124,005,500 | 3,518 |
| Average equity | $8,093,500 | 3,982 |
| Average total loans | $98,439,000 | 3,236 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 1,205 |
| Cost of funding earning assets | 1.2950% | 2,533 |
| Net interest margin | 4.1750% | 972 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.5881% | 2,042 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.6488% | 798 |
| Return on assets (ROA) | 1.6488% | 768 |
| Pretax return on assets | 1.6488% | 1,151 |
| Return on Equity (ROE) | 27.2700% | 238 |
| Retained earnings to average equity (ytd only) | 7.9846% | 1,544 |
| Net charge-offs to loans | -0.0067% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.6405% | 3,124 |
| Assets per employee ($millions) | 5.7703% | 3,007 |
| Cash dividends to net income (ytd only)* | 70.7171% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 4,116 |
| Loan loss allowance to noncurrent loans | 460.5442% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 2,802 |
| Noncurrent loans to loans | 0.1533% | 2,748 |
| Net loans and leases to total assets | 71.7400% | 1,612 |
| Net loans and leases to deposits | 83.3551% | 1,827 |
| Net loans and leases to core deposits | 96.3966% | 1,631 |
| Total domestic deposits to total assets | 86.0600% | 1,996 |
| Equity capital to assets | 6.0346% | 4,227 |
| Core capital (leverage) ratio | 8.3011% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6676% | 2,664 |
| Memoranda: | ||
| Average total assets | $121,786,800 | 3,637 |
| Average earning assets | $112,047,800 | 3,626 |
| Average equity | $7,364,200 | 4,005 |
| Average total loans | $90,191,800 | 3,289 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3459% | 1,215 |
| Cost of funding earning assets | 1.1214% | 2,683 |
| Net interest margin | 4.2245% | 888 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.6150% | 1,897 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.7527% | 723 |
| Return on assets (ROA) | 1.7527% | 709 |
| Pretax return on assets | 1.7527% | 1,078 |
| Return on Equity (ROE) | 28.9700% | 248 |
| Retained earnings to average equity (ytd only) | 3.0542% | 3,491 |
| Net charge-offs to loans | -0.0045% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.4148% | 3,029 |
| Assets per employee ($millions) | 5.4785% | 3,197 |
| Cash dividends to net income (ytd only)* | 89.4569% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6090% | 4,253 |
| Loan loss allowance to noncurrent loans | 155.2279% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 1,828 |
| Noncurrent loans to loans | 0.3923% | 1,850 |
| Net loans and leases to total assets | 74.9900% | 1,237 |
| Net loans and leases to deposits | 86.9301% | 1,476 |
| Net loans and leases to core deposits | 95.9339% | 1,552 |
| Total domestic deposits to total assets | 86.2700% | 2,112 |
| Equity capital to assets | 5.4061% | 4,166 |
| Core capital (leverage) ratio | 8.2607% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4144% | 2,748 |
| Memoranda: | ||
| Average total assets | $119,054,000 | 3,670 |
| Average earning assets | $109,264,250 | 3,665 |
| Average equity | $7,203,000 | 4,026 |
| Average total loans | $88,768,250 | 3,306 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 1,260 |
| Cost of funding earning assets | 0.8915% | 2,950 |
| Net interest margin | 4.2781% | 837 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.5990% | 1,934 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8058% | 651 |
| Return on assets (ROA) | 1.8058% | 651 |
| Pretax return on assets | 1.8058% | 998 |
| Return on Equity (ROE) | 28.7500% | 245 |
| Retained earnings to average equity (ytd only) | -0.5727% | 4,167 |
| Net charge-offs to loans | -0.0069% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.0043% | 3,074 |
| Assets per employee ($millions) | 5.4505% | 3,191 |
| Cash dividends to net income (ytd only)* | 101.9924% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 4,299 |
| Loan loss allowance to noncurrent loans | 347.4684% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 2,628 |
| Noncurrent loans to loans | 0.1740% | 2,609 |
| Net loans and leases to total assets | 75.2600% | 1,129 |
| Net loans and leases to deposits | 86.5167% | 1,458 |
| Net loans and leases to core deposits | 92.8703% | 1,632 |
| Total domestic deposits to total assets | 86.9900% | 1,928 |
| Equity capital to assets | 5.9936% | 4,156 |
| Core capital (leverage) ratio | 8.4842% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7218% | 2,707 |
| Memoranda: | ||
| Average total assets | $116,737,000 | 3,706 |
| Average earning assets | $107,010,333 | 3,700 |
| Average equity | $7,333,333 | 4,036 |
| Average total loans | $86,667,000 | 3,341 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 1,354 |
| Cost of funding earning assets | 0.6436% | 3,243 |
| Net interest margin | 4.2931% | 815 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.5393% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8689% | 596 |
| Return on assets (ROA) | 1.8689% | 588 |
| Pretax return on assets | 1.8689% | 951 |
| Return on Equity (ROE) | 29.0600% | 253 |
| Retained earnings to average equity (ytd only) | 9.3431% | 1,855 |
| Net charge-offs to loans | -0.0047% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.6044% | 3,232 |
| Assets per employee ($millions) | 5.2532% | 3,456 |
| Cash dividends to net income (ytd only)* | 67.8439% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6363% | 4,323 |
| Loan loss allowance to noncurrent loans | 346.2025% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 2,555 |
| Noncurrent loans to loans | 0.1838% | 2,558 |
| Net loans and leases to total assets | 73.9100% | 1,215 |
| Net loans and leases to deposits | 81.7659% | 1,675 |
| Net loans and leases to core deposits | 87.4631% | 1,775 |
| Total domestic deposits to total assets | 90.3900% | 1,013 |
| Equity capital to assets | 6.5328% | 4,019 |
| Core capital (leverage) ratio | 8.8693% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3096% | 2,633 |
| Memoranda: | ||
| Average total assets | $115,149,500 | 3,767 |
| Average earning assets | $105,658,000 | 3,766 |
| Average equity | $7,406,500 | 4,077 |
| Average total loans | $84,604,500 | 3,408 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 761 |
| Cost of funding earning assets | 0.2364% | 3,446 |
| Net interest margin | 4.2362% | 492 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.3919% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0286% | 283 |
| Return on assets (ROA) | 1.9973% | 289 |
| Pretax return on assets | 1.9973% | 480 |
| Return on Equity (ROE) | 29.7700% | 121 |
| Retained earnings to average equity (ytd only) | 10.4303% | 1,029 |
| Net charge-offs to loans | 0.0089% | 2,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 323.8571% | 466 |
| Efficiency ratio | 54.1093% | 3,789 |
| Assets per employee ($millions) | 5.2149% | 3,503 |
| Cash dividends to net income (ytd only)* | 64.9642% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6559% | 4,277 |
| Loan loss allowance to noncurrent loans | 312.0000% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,472 |
| Noncurrent loans to loans | 0.2102% | 2,440 |
| Net loans and leases to total assets | 72.0800% | 1,411 |
| Net loans and leases to deposits | 80.0945% | 1,763 |
| Net loans and leases to core deposits | 83.1400% | 1,925 |
| Total domestic deposits to total assets | 89.9900% | 1,370 |
| Equity capital to assets | 6.3306% | 3,966 |
| Core capital (leverage) ratio | 8.7610% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2130% | 2,672 |
| Memoranda: | ||
| Average total assets | $111,750,800 | 3,813 |
| Average earning assets | $103,228,600 | 3,804 |
| Average equity | $7,497,400 | 4,148 |
| Average total loans | $78,770,800 | 3,431 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 617 |
| Cost of funding earning assets | 0.1571% | 3,760 |
| Net interest margin | 4.2144% | 407 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.3734% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0491% | 268 |
| Return on assets (ROA) | 2.0491% | 271 |
| Pretax return on assets | 2.0491% | 421 |
| Return on Equity (ROE) | 30.1000% | 104 |
| Retained earnings to average equity (ytd only) | 4.5173% | 3,277 |
| Net charge-offs to loans | 0.0052% | 1,984 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 568.6667% | 281 |
| Efficiency ratio | 53.6665% | 3,846 |
| Assets per employee ($millions) | 5.1518% | 3,548 |
| Cash dividends to net income (ytd only)* | 84.9941% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 4,297 |
| Loan loss allowance to noncurrent loans | 185.5219% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 1,908 |
| Noncurrent loans to loans | 0.3630% | 1,937 |
| Net loans and leases to total assets | 71.7000% | 1,321 |
| Net loans and leases to deposits | 82.1601% | 1,433 |
| Net loans and leases to core deposits | 87.1730% | 1,456 |
| Total domestic deposits to total assets | 87.2700% | 2,674 |
| Equity capital to assets | 5.3874% | 4,167 |
| Core capital (leverage) ratio | 8.5421% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7938% | 2,874 |
| Memoranda: | ||
| Average total assets | $111,006,500 | 3,849 |
| Average earning assets | $102,693,250 | 3,832 |
| Average equity | $7,556,000 | 4,187 |
| Average total loans | $77,653,000 | 3,461 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 474 |
| Cost of funding earning assets | 0.1255% | 3,904 |
| Net interest margin | 4.2292% | 314 |
| Noninterest income to average assets | 0.5425% | 1,980 |
| Noninterest expense to average assets | 2.3823% | 2,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0721% | 198 |
| Return on assets (ROA) | 2.0721% | 200 |
| Pretax return on assets | 2.0721% | 319 |
| Return on Equity (ROE) | 28.4103% | 70 |
| Retained earnings to average equity (ytd only) | 1.6668% | 3,832 |
| Net charge-offs to loans | 0.0026% | 1,992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,142.0000% | 109 |
| Efficiency ratio | 53.4827% | 4,007 |
| Assets per employee ($millions) | 5.1008% | 3,588 |
| Cash dividends to net income (ytd only)* | 94.1331% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 4,310 |
| Loan loss allowance to noncurrent loans | 507.3394% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,029 |
| Noncurrent loans to loans | 0.1404% | 3,005 |
| Net loans and leases to total assets | 68.6681% | 1,424 |
| Net loans and leases to deposits | 74.8339% | 1,776 |
| Net loans and leases to core deposits | 79.6539% | 1,741 |
| Total domestic deposits to total assets | 91.7607% | 942 |
| Equity capital to assets | 6.2272% | 4,125 |
| Core capital (leverage) ratio | 8.4391% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8648% | 2,843 |
| Memoranda: | ||
| Average total assets | $110,229,000 | 3,895 |
| Average earning assets | $101,959,000 | 3,894 |
| Average equity | $8,039,333 | 4,199 |
| Average total loans | $76,264,667 | 3,513 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 365 |
| Cost of funding earning assets | 0.1305% | 3,767 |
| Net interest margin | 4.2939% | 238 |
| Noninterest income to average assets | 0.5712% | 1,817 |
| Noninterest expense to average assets | 2.4498% | 2,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0982% | 186 |
| Return on assets (ROA) | 2.0982% | 187 |
| Pretax return on assets | 2.0982% | 302 |
| Return on Equity (ROE) | 26.7601% | 79 |
| Retained earnings to average equity (ytd only) | 7.3789% | 1,773 |
| Net charge-offs to loans | 0.0053% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 573.0000% | 175 |
| Efficiency ratio | 53.8647% | 4,061 |
| Assets per employee ($millions) | 4.8266% | 3,899 |
| Cash dividends to net income (ytd only)* | 72.4258% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 4,336 |
| Loan loss allowance to noncurrent loans | 76.2431% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 909 |
| Noncurrent loans to loans | 0.9587% | 945 |
| Net loans and leases to total assets | 67.5275% | 1,259 |
| Net loans and leases to deposits | 74.3393% | 1,574 |
| Net loans and leases to core deposits | 78.8371% | 1,561 |
| Total domestic deposits to total assets | 90.8369% | 1,112 |
| Equity capital to assets | 7.1200% | 4,150 |
| Core capital (leverage) ratio | 8.7418% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6821% | 2,724 |
| Memoranda: | ||
| Average total assets | $109,234,500 | 3,923 |
| Average earning assets | $101,167,000 | 3,927 |
| Average equity | $8,565,000 | 4,201 |
| Average total loans | $75,591,500 | 3,530 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 797 |
| Cost of funding earning assets | 0.1563% | 3,905 |
| Net interest margin | 4.1828% | 502 |
| Noninterest income to average assets | 0.4507% | 2,816 |
| Noninterest expense to average assets | 2.5007% | 2,179 |
| Loan and lease loss provision to assets | 0.0095% | 2,890 |
| Net operating income to assets | 1.8342% | 470 |
| Return on assets (ROA) | 1.8789% | 456 |
| Pretax return on assets | 1.8789% | 765 |
| Return on Equity (ROE) | 22.9901% | 175 |
| Retained earnings to average equity (ytd only) | 13.3333% | 364 |
| Net charge-offs to loans | -0.0115% | 3,788 |
| Credit loss provision to net charge-offs | -125.0000% | 3,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5618% | 3,508 |
| Assets per employee ($millions) | 4.6721% | 3,986 |
| Cash dividends to net income (ytd only)* | 42.0040% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 4,375 |
| Loan loss allowance to noncurrent loans | 67.3569% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 800 |
| Noncurrent loans to loans | 1.0850% | 893 |
| Net loans and leases to total assets | 69.9017% | 1,055 |
| Net loans and leases to deposits | 78.8584% | 1,309 |
| Net loans and leases to core deposits | 83.4574% | 1,360 |
| Total domestic deposits to total assets | 88.6421% | 1,708 |
| Equity capital to assets | 8.5857% | 3,999 |
| Core capital (leverage) ratio | 8.7454% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1049% | 2,864 |
| Memoranda: | ||
| Average total assets | $105,170,400 | 3,942 |
| Average earning assets | $97,901,400 | 3,931 |
| Average equity | $8,595,000 | 4,279 |
| Average total loans | $69,793,600 | 3,651 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 961 |
| Cost of funding earning assets | 0.1655% | 3,969 |
| Net interest margin | 4.1291% | 619 |
| Noninterest income to average assets | 0.4423% | 2,880 |
| Noninterest expense to average assets | 2.4907% | 2,146 |
| Loan and lease loss provision to assets | 0.0124% | 2,743 |
| Net operating income to assets | 1.7858% | 683 |
| Return on assets (ROA) | 1.8457% | 641 |
| Pretax return on assets | 1.8457% | 1,057 |
| Return on Equity (ROE) | 22.8821% | 257 |
| Retained earnings to average equity (ytd only) | 9.9240% | 1,344 |
| Net charge-offs to loans | -0.0137% | 3,802 |
| Credit loss provision to net charge-offs | -142.8571% | 3,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0684% | 3,250 |
| Assets per employee ($millions) | 4.6468% | 4,009 |
| Cash dividends to net income (ytd only)* | 56.6298% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,377 |
| Loan loss allowance to noncurrent loans | 176.3578% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 2,308 |
| Noncurrent loans to loans | 0.4431% | 2,233 |
| Net loans and leases to total assets | 65.5751% | 1,590 |
| Net loans and leases to deposits | 73.9634% | 1,858 |
| Net loans and leases to core deposits | 78.2974% | 1,875 |
| Total domestic deposits to total assets | 88.6588% | 1,480 |
| Equity capital to assets | 8.2273% | 4,395 |
| Core capital (leverage) ratio | 8.2371% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8277% | 2,763 |
| Memoranda: | ||
| Average total assets | $104,598,500 | 4,002 |
| Average earning assets | $97,453,250 | 3,979 |
| Average equity | $8,437,250 | 4,357 |
| Average total loans | $68,325,000 | 3,737 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 1,698 |
| Cost of funding earning assets | 0.1732% | 4,010 |
| Net interest margin | 3.7721% | 1,185 |
| Noninterest income to average assets | 0.4391% | 2,908 |
| Noninterest expense to average assets | 2.4653% | 2,250 |
| Loan and lease loss provision to assets | 0.0193% | 2,570 |
| Net operating income to assets | 1.4773% | 1,355 |
| Return on assets (ROA) | 1.5678% | 1,184 |
| Pretax return on assets | 1.5678% | 1,830 |
| Return on Equity (ROE) | 19.5704% | 492 |
| Retained earnings to average equity (ytd only) | 7.1887% | 2,361 |
| Net charge-offs to loans | -0.0148% | 3,848 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2265% | 2,695 |
| Assets per employee ($millions) | 4.6868% | 3,945 |
| Cash dividends to net income (ytd only)* | 63.2678% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7560% | 4,440 |
| Loan loss allowance to noncurrent loans | 443.5484% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 3,464 |
| Noncurrent loans to loans | 0.1705% | 3,363 |
| Net loans and leases to total assets | 66.9756% | 1,586 |
| Net loans and leases to deposits | 75.3355% | 1,886 |
| Net loans and leases to core deposits | 79.6938% | 1,909 |
| Total domestic deposits to total assets | 88.9031% | 1,329 |
| Equity capital to assets | 7.8426% | 4,611 |
| Core capital (leverage) ratio | 8.0155% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7642% | 2,786 |
| Memoranda: | ||
| Average total assets | $103,839,333 | 4,030 |
| Average earning assets | $96,974,000 | 4,003 |
| Average equity | $8,318,667 | 4,391 |
| Average total loans | $67,554,667 | 3,770 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8119% | 2,069 |
| Cost of funding earning assets | 0.1891% | 4,016 |
| Net interest margin | 3.6228% | 1,524 |
| Noninterest income to average assets | 0.4320% | 2,920 |
| Noninterest expense to average assets | 2.5014% | 2,171 |
| Loan and lease loss provision to assets | 0.0393% | 2,254 |
| Net operating income to assets | 1.2762% | 1,900 |
| Return on assets (ROA) | 1.3312% | 1,816 |
| Pretax return on assets | 1.3312% | 2,483 |
| Return on Equity (ROE) | 16.4344% | 939 |
| Retained earnings to average equity (ytd only) | 4.7994% | 3,287 |
| Net charge-offs to loans | -0.0123% | 3,760 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5350% | 2,297 |
| Assets per employee ($millions) | 4.5843% | 4,030 |
| Cash dividends to net income (ytd only)* | 70.7965% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 4,359 |
| Loan loss allowance to noncurrent loans | 441.1290% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 3,581 |
| Noncurrent loans to loans | 0.1863% | 3,441 |
| Net loans and leases to total assets | 62.6148% | 2,216 |
| Net loans and leases to deposits | 70.0198% | 2,502 |
| Net loans and leases to core deposits | 73.7236% | 2,540 |
| Total domestic deposits to total assets | 89.4243% | 1,113 |
| Equity capital to assets | 7.7987% | 4,594 |
| Core capital (leverage) ratio | 8.4389% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8211% | 2,732 |
| Memoranda: | ||
| Average total assets | $101,861,000 | 4,048 |
| Average earning assets | $95,175,000 | 4,039 |
| Average equity | $8,251,000 | 4,415 |
| Average total loans | $64,958,500 | 3,829 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 1,439 |
| Cost of funding earning assets | 0.4913% | 3,001 |
| Net interest margin | 3.9586% | 1,062 |
| Noninterest income to average assets | 0.4505% | 2,865 |
| Noninterest expense to average assets | 2.6502% | 2,384 |
| Loan and lease loss provision to assets | 0.0663% | 3,546 |
| Net operating income to assets | 1.4709% | 874 |
| Return on assets (ROA) | 1.4709% | 955 |
| Pretax return on assets | 1.4709% | 1,437 |
| Return on Equity (ROE) | 16.7572% | 434 |
| Retained earnings to average equity (ytd only) | 4.6170% | 2,470 |
| Net charge-offs to loans | -0.0117% | 4,294 |
| Credit loss provision to net charge-offs | -857.1429% | 4,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2911% | 2,928 |
| Assets per employee ($millions) | 4.2731% | 4,152 |
| Cash dividends to net income (ytd only)* | 72.4474% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 4,335 |
| Loan loss allowance to noncurrent loans | 295.5801% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 3,360 |
| Noncurrent loans to loans | 0.2857% | 3,176 |
| Net loans and leases to total assets | 63.9120% | 2,377 |
| Net loans and leases to deposits | 72.0906% | 2,676 |
| Net loans and leases to core deposits | 77.5137% | 2,593 |
| Total domestic deposits to total assets | 88.6551% | 1,142 |
| Equity capital to assets | 8.4237% | 4,497 |
| Core capital (leverage) ratio | 8.7307% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6022% | 2,772 |
| Memoranda: | ||
| Average total assets | $90,558,800 | 4,114 |
| Average earning assets | $85,484,000 | 4,082 |
| Average equity | $7,948,800 | 4,428 |
| Average total loans | $59,814,600 | 3,924 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 1,606 |
| Cost of funding earning assets | 0.5574% | 2,884 |
| Net interest margin | 3.9291% | 1,283 |
| Noninterest income to average assets | 0.4588% | 2,800 |
| Noninterest expense to average assets | 2.7139% | 2,220 |
| Loan and lease loss provision to assets | 0.0677% | 3,483 |
| Net operating income to assets | 1.3991% | 1,099 |
| Return on assets (ROA) | 1.3991% | 1,201 |
| Pretax return on assets | 1.3991% | 1,741 |
| Return on Equity (ROE) | 15.7632% | 579 |
| Retained earnings to average equity (ytd only) | -0.5932% | 4,566 |
| Net charge-offs to loans | -0.0136% | 4,306 |
| Credit loss provision to net charge-offs | -750.0000% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9154% | 2,609 |
| Assets per employee ($millions) | 3.9777% | 4,334 |
| Cash dividends to net income (ytd only)* | 103.7634% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 4,298 |
| Loan loss allowance to noncurrent loans | 69.3850% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 1,410 |
| Noncurrent loans to loans | 1.1891% | 1,279 |
| Net loans and leases to total assets | 68.1893% | 2,211 |
| Net loans and leases to deposits | 78.1033% | 2,524 |
| Net loans and leases to core deposits | 83.9354% | 2,482 |
| Total domestic deposits to total assets | 87.3065% | 1,541 |
| Equity capital to assets | 8.5968% | 4,405 |
| Core capital (leverage) ratio | 8.6379% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7884% | 2,967 |
| Memoranda: | ||
| Average total assets | $88,628,000 | 4,140 |
| Average earning assets | $83,953,250 | 4,108 |
| Average equity | $7,866,250 | 4,458 |
| Average total loans | $58,931,000 | 3,958 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 1,701 |
| Cost of funding earning assets | 0.6260% | 2,832 |
| Net interest margin | 3.9507% | 1,445 |
| Noninterest income to average assets | 0.4608% | 2,758 |
| Noninterest expense to average assets | 2.7602% | 2,187 |
| Loan and lease loss provision to assets | 0.0684% | 3,436 |
| Net operating income to assets | 1.3755% | 1,159 |
| Return on assets (ROA) | 1.3755% | 1,257 |
| Pretax return on assets | 1.3755% | 1,786 |
| Return on Equity (ROE) | 15.3305% | 660 |
| Retained earnings to average equity (ytd only) | -0.3051% | 4,360 |
| Net charge-offs to loans | -0.0278% | 4,510 |
| Credit loss provision to net charge-offs | -375.0000% | 3,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6538% | 2,571 |
| Assets per employee ($millions) | 3.9761% | 4,337 |
| Cash dividends to net income (ytd only)* | 101.9900% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 4,272 |
| Loan loss allowance to noncurrent loans | 97.4952% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 2,102 |
| Noncurrent loans to loans | 0.8471% | 1,795 |
| Net loans and leases to total assets | 66.4410% | 2,566 |
| Net loans and leases to deposits | 76.1235% | 2,845 |
| Net loans and leases to core deposits | 81.7878% | 2,793 |
| Total domestic deposits to total assets | 87.2806% | 1,505 |
| Equity capital to assets | 8.6637% | 4,378 |
| Core capital (leverage) ratio | 8.8112% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4367% | 2,844 |
| Memoranda: | ||
| Average total assets | $87,674,667 | 4,155 |
| Average earning assets | $83,073,667 | 4,123 |
| Average equity | $7,866,667 | 4,476 |
| Average total loans | $57,606,667 | 3,984 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 1,294 |
| Cost of funding earning assets | 0.7151% | 2,870 |
| Net interest margin | 4.1424% | 1,047 |
| Noninterest income to average assets | 0.4989% | 2,553 |
| Noninterest expense to average assets | 2.8816% | 2,178 |
| Loan and lease loss provision to assets | 0.0699% | 2,864 |
| Net operating income to assets | 1.4641% | 848 |
| Return on assets (ROA) | 1.4641% | 924 |
| Pretax return on assets | 1.4641% | 1,401 |
| Return on Equity (ROE) | 16.0235% | 418 |
| Retained earnings to average equity (ytd only) | 0.7144% | 3,817 |
| Net charge-offs to loans | -0.0717% | 4,739 |
| Credit loss provision to net charge-offs | -150.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2587% | 3,054 |
| Assets per employee ($millions) | 3.7861% | 4,187 |
| Cash dividends to net income (ytd only)* | 95.5414% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 4,187 |
| Loan loss allowance to noncurrent loans | 48.4283% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 1,079 |
| Noncurrent loans to loans | 1.8159% | 823 |
| Net loans and leases to total assets | 63.8114% | 3,089 |
| Net loans and leases to deposits | 73.4547% | 3,328 |
| Net loans and leases to core deposits | 79.2196% | 3,267 |
| Total domestic deposits to total assets | 86.8718% | 1,613 |
| Equity capital to assets | 9.1697% | 4,490 |
| Core capital (leverage) ratio | 9.2676% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7604% | 2,370 |
| Memoranda: | ||
| Average total assets | $85,786,500 | 4,188 |
| Average earning assets | $81,111,500 | 4,150 |
| Average equity | $7,838,500 | 4,503 |
| Average total loans | $55,776,500 | 4,038 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2440% | 914 |
| Cost of funding earning assets | 0.6796% | 3,265 |
| Net interest margin | 4.5645% | 617 |
| Noninterest income to average assets | 0.5346% | 2,559 |
| Noninterest expense to average assets | 2.9582% | 2,127 |
| Loan and lease loss provision to assets | 0.0741% | 2,515 |
| Net operating income to assets | 1.8063% | 516 |
| Return on assets (ROA) | 1.8063% | 542 |
| Pretax return on assets | 1.8063% | 921 |
| Return on Equity (ROE) | 19.9645% | 214 |
| Retained earnings to average equity (ytd only) | 4.2713% | 2,822 |
| Net charge-offs to loans | 0.0348% | 2,691 |
| Credit loss provision to net charge-offs | 300.0000% | 925 |
| Earnings coverage of net charge-offs (x) | 76.1500% | 828 |
| Efficiency ratio | 61.1380% | 3,519 |
| Assets per employee ($millions) | 3.6736% | 4,289 |
| Cash dividends to net income (ytd only)* | 78.6056% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 4,175 |
| Loan loss allowance to noncurrent loans | 120.6186% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 2,567 |
| Noncurrent loans to loans | 0.6992% | 2,130 |
| Net loans and leases to total assets | 65.1237% | 3,055 |
| Net loans and leases to deposits | 75.0877% | 3,252 |
| Net loans and leases to core deposits | 79.7776% | 3,311 |
| Total domestic deposits to total assets | 86.7303% | 1,743 |
| Equity capital to assets | 9.1037% | 4,636 |
| Core capital (leverage) ratio | 9.5644% | 3,997 |
| Tier 1 risk-based capital ratio | 12.9822% | 3,797 |
| Total risk-based capital ratio | 13.7511% | 3,951 |
| Memoranda: | ||
| Average total assets | $80,996,400 | 4,267 |
| Average earning assets | $76,372,600 | 4,245 |
| Average equity | $7,328,000 | 4,601 |
| Average total loans | $57,454,200 | 4,020 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3348% | 804 |
| Cost of funding earning assets | 0.6508% | 3,449 |
| Net interest margin | 4.6840% | 512 |
| Noninterest income to average assets | 0.5392% | 2,516 |
| Noninterest expense to average assets | 2.9820% | 2,023 |
| Loan and lease loss provision to assets | 0.0749% | 2,393 |
| Net operating income to assets | 1.9020% | 489 |
| Return on assets (ROA) | 1.9020% | 511 |
| Pretax return on assets | 1.9020% | 864 |
| Return on Equity (ROE) | 21.0579% | 197 |
| Retained earnings to average equity (ytd only) | -0.1289% | 4,769 |
| Net charge-offs to loans | -0.0046% | 4,186 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1342% | 3,620 |
| Assets per employee ($millions) | 3.5220% | 4,478 |
| Cash dividends to net income (ytd only)* | 100.6129% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,287 |
| Loan loss allowance to noncurrent loans | 96.7413% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 2,181 |
| Noncurrent loans to loans | 0.8644% | 1,854 |
| Net loans and leases to total assets | 69.5360% | 2,546 |
| Net loans and leases to deposits | 80.4872% | 2,850 |
| Net loans and leases to core deposits | 85.7589% | 2,929 |
| Total domestic deposits to total assets | 86.3938% | 1,824 |
| Equity capital to assets | 9.1190% | 4,718 |
| Core capital (leverage) ratio | 9.4682% | 4,201 |
| Tier 1 risk-based capital ratio | 12.2712% | 4,271 |
| Total risk-based capital ratio | 13.0400% | 4,419 |
| Memoranda: | ||
| Average total assets | $80,122,250 | 4,337 |
| Average earning assets | $75,602,750 | 4,312 |
| Average equity | $7,237,000 | 4,667 |
| Average total loans | $57,944,500 | 4,064 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 734 |
| Cost of funding earning assets | 0.6182% | 3,561 |
| Net interest margin | 4.7336% | 459 |
| Noninterest income to average assets | 0.5311% | 2,498 |
| Noninterest expense to average assets | 2.9614% | 2,105 |
| Loan and lease loss provision to assets | 0.0752% | 2,312 |
| Net operating income to assets | 1.9642% | 411 |
| Return on assets (ROA) | 1.9642% | 433 |
| Pretax return on assets | 1.9642% | 729 |
| Return on Equity (ROE) | 21.8172% | 170 |
| Retained earnings to average equity (ytd only) | -3.5063% | 4,994 |
| Net charge-offs to loans | -0.0069% | 4,209 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2184% | 3,835 |
| Assets per employee ($millions) | 3.5287% | 4,465 |
| Cash dividends to net income (ytd only)* | 116.0714% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7735% | 4,531 |
| Loan loss allowance to noncurrent loans | 87.2865% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 2,098 |
| Noncurrent loans to loans | 0.8861% | 1,837 |
| Net loans and leases to total assets | 72.7086% | 2,113 |
| Net loans and leases to deposits | 83.8570% | 2,503 |
| Net loans and leases to core deposits | 89.6551% | 2,627 |
| Total domestic deposits to total assets | 86.7054% | 1,728 |
| Equity capital to assets | 8.9846% | 4,805 |
| Core capital (leverage) ratio | 9.2777% | 4,381 |
| Tier 1 risk-based capital ratio | 12.0196% | 4,403 |
| Total risk-based capital ratio | 12.7605% | 4,575 |
| Memoranda: | ||
| Average total assets | $79,827,330 | 4,373 |
| Average earning assets | $75,375,670 | 4,346 |
| Average equity | $7,187,000 | 4,699 |
| Average total loans | $58,324,670 | 4,084 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4423% | 577 |
| Cost of funding earning assets | 0.5732% | 3,712 |
| Net interest margin | 4.8691% | 355 |
| Noninterest income to average assets | 0.5154% | 2,465 |
| Noninterest expense to average assets | 2.9560% | 2,117 |
| Loan and lease loss provision to assets | 0.0758% | 2,165 |
| Net operating income to assets | 2.0768% | 341 |
| Return on assets (ROA) | 2.0768% | 357 |
| Pretax return on assets | 2.0768% | 557 |
| Return on Equity (ROE) | 23.0430% | 145 |
| Retained earnings to average equity (ytd only) | 2.8593% | 3,791 |
| Net charge-offs to loans | -0.0208% | 4,501 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8635% | 4,100 |
| Assets per employee ($millions) | 3.6227% | 4,437 |
| Cash dividends to net income (ytd only)* | 87.5912% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 4,627 |
| Loan loss allowance to noncurrent loans | 67.3716% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8306% | 1,710 |
| Noncurrent loans to loans | 1.1304% | 1,476 |
| Net loans and leases to total assets | 72.9222% | 2,004 |
| Net loans and leases to deposits | 84.1755% | 2,369 |
| Net loans and leases to core deposits | 89.6746% | 2,535 |
| Total domestic deposits to total assets | 86.6311% | 1,992 |
| Equity capital to assets | 9.0991% | 4,617 |
| Core capital (leverage) ratio | 9.7015% | 3,919 |
| Tier 1 risk-based capital ratio | 12.4716% | 4,190 |
| Total risk-based capital ratio | 13.1997% | 4,383 |
| Memoranda: | ||
| Average total assets | $79,160,500 | 4,426 |
| Average earning assets | $74,674,500 | 4,398 |
| Average equity | $7,134,500 | 4,734 |
| Average total loans | $57,751,500 | 4,135 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 1,318 |
| Cost of funding earning assets | 0.3876% | 4,064 |
| Net interest margin | 4.5024% | 758 |
| Noninterest income to average assets | 0.5607% | 2,487 |
| Noninterest expense to average assets | 2.8827% | 2,414 |
| Loan and lease loss provision to assets | 0.0756% | 2,613 |
| Net operating income to assets | 1.8609% | 493 |
| Return on assets (ROA) | 1.8609% | 490 |
| Pretax return on assets | 1.8609% | 794 |
| Return on Equity (ROE) | 22.2179% | 150 |
| Retained earnings to average equity (ytd only) | 6.1223% | 2,134 |
| Net charge-offs to loans | 0.1064% | 1,689 |
| Credit loss provision to net charge-offs | 96.7742% | 2,612 |
| Earnings coverage of net charge-offs (x) | 24.7903% | 1,794 |
| Efficiency ratio | 59.8170% | 3,889 |
| Assets per employee ($millions) | 3.7439% | 4,261 |
| Cash dividends to net income (ytd only)* | 72.4441% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 4,669 |
| Loan loss allowance to noncurrent loans | 49.9417% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.0900% | 1,237 |
| Noncurrent loans to loans | 1.5051% | 1,010 |
| Net loans and leases to total assets | 71.8765% | 2,278 |
| Net loans and leases to deposits | 83.0871% | 2,613 |
| Net loans and leases to core deposits | 88.7058% | 2,681 |
| Total domestic deposits to total assets | 86.5074% | 2,014 |
| Equity capital to assets | 8.9251% | 4,635 |
| Core capital (leverage) ratio | 9.6789% | 3,918 |
| Tier 1 risk-based capital ratio | 12.9494% | 3,876 |
| Total risk-based capital ratio | 13.6797% | 4,054 |
| Memoranda: | ||
| Average total assets | $79,371,400 | 4,438 |
| Average earning assets | $75,071,000 | 4,402 |
| Average equity | $6,647,800 | 4,801 |
| Average total loans | $58,272,800 | 4,138 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8079% | 1,405 |
| Cost of funding earning assets | 0.3487% | 4,188 |
| Net interest margin | 4.4592% | 804 |
| Noninterest income to average assets | 0.5380% | 2,627 |
| Noninterest expense to average assets | 2.8925% | 2,325 |
| Loan and lease loss provision to assets | 0.0754% | 2,451 |
| Net operating income to assets | 1.7915% | 609 |
| Return on assets (ROA) | 1.7915% | 612 |
| Pretax return on assets | 1.7915% | 1,029 |
| Return on Equity (ROE) | 21.7420% | 179 |
| Retained earnings to average equity (ytd only) | -0.0203% | 5,039 |
| Net charge-offs to loans | 0.1319% | 1,221 |
| Credit loss provision to net charge-offs | 77.5862% | 2,553 |
| Earnings coverage of net charge-offs (x) | 19.2073% | 2,019 |
| Efficiency ratio | 60.7746% | 3,692 |
| Assets per employee ($millions) | 3.5522% | 4,489 |
| Cash dividends to net income (ytd only)* | 100.0933% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 4,872 |
| Loan loss allowance to noncurrent loans | 29.7432% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 2.2547% | 429 |
| Noncurrent loans to loans | 2.3624% | 571 |
| Net loans and leases to total assets | 75.4082% | 1,750 |
| Net loans and leases to deposits | 86.7370% | 2,289 |
| Net loans and leases to core deposits | 92.1934% | 2,459 |
| Total domestic deposits to total assets | 86.9389% | 1,759 |
| Equity capital to assets | 8.4033% | 4,980 |
| Core capital (leverage) ratio | 9.1464% | 4,569 |
| Tier 1 risk-based capital ratio | 12.1552% | 4,407 |
| Total risk-based capital ratio | 12.8609% | 4,613 |
| Memoranda: | ||
| Average total assets | $79,559,000 | 4,482 |
| Average earning assets | $75,318,750 | 4,442 |
| Average equity | $6,555,500 | 4,871 |
| Average total loans | $58,606,500 | 4,170 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 1,509 |
| Cost of funding earning assets | 0.3162% | 4,299 |
| Net interest margin | 4.3853% | 876 |
| Noninterest income to average assets | 0.5273% | 2,711 |
| Noninterest expense to average assets | 2.8565% | 2,480 |
| Loan and lease loss provision to assets | 0.0750% | 2,392 |
| Net operating income to assets | 1.7544% | 644 |
| Return on assets (ROA) | 1.7544% | 647 |
| Pretax return on assets | 1.7544% | 1,085 |
| Return on Equity (ROE) | 21.4297% | 186 |
| Retained earnings to average equity (ytd only) | -2.0758% | 5,154 |
| Net charge-offs to loans | 0.1919% | 816 |
| Credit loss provision to net charge-offs | 53.5714% | 2,476 |
| Earnings coverage of net charge-offs (x) | 13.0714% | 2,167 |
| Efficiency ratio | 60.9600% | 3,772 |
| Assets per employee ($millions) | 3.6111% | 4,458 |
| Cash dividends to net income (ytd only)* | 109.6866% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 4,977 |
| Loan loss allowance to noncurrent loans | 35.5321% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.8843% | 591 |
| Noncurrent loans to loans | 1.9222% | 799 |
| Net loans and leases to total assets | 73.9477% | 1,952 |
| Net loans and leases to deposits | 83.8213% | 2,559 |
| Net loans and leases to core deposits | 88.5411% | 2,676 |
| Total domestic deposits to total assets | 88.2206% | 1,261 |
| Equity capital to assets | 8.2171% | 5,120 |
| Core capital (leverage) ratio | 8.9062% | 4,781 |
| Tier 1 risk-based capital ratio | 11.8890% | 4,568 |
| Total risk-based capital ratio | 12.5641% | 4,786 |
| Memoranda: | ||
| Average total assets | $80,029,330 | 4,513 |
| Average earning assets | $75,890,000 | 4,472 |
| Average equity | $6,551,670 | 4,917 |
| Average total loans | $58,359,670 | 4,206 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 1,531 |
| Cost of funding earning assets | 0.3036% | 4,326 |
| Net interest margin | 4.3087% | 937 |
| Noninterest income to average assets | 0.5179% | 2,699 |
| Noninterest expense to average assets | 2.8884% | 2,415 |
| Loan and lease loss provision to assets | 0.0747% | 2,269 |
| Net operating income to assets | 1.6533% | 760 |
| Return on assets (ROA) | 1.6533% | 764 |
| Pretax return on assets | 1.6533% | 1,232 |
| Return on Equity (ROE) | 20.2331% | 233 |
| Retained earnings to average equity (ytd only) | 2.5596% | 4,151 |
| Net charge-offs to loans | -0.0138% | 4,383 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5674% | 3,693 |
| Assets per employee ($millions) | 3.6890% | 4,427 |
| Cash dividends to net income (ytd only)* | 87.3494% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7707% | 4,862 |
| Loan loss allowance to noncurrent loans | 27.2229% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.0232% | 556 |
| Noncurrent loans to loans | 2.8309% | 440 |
| Net loans and leases to total assets | 70.9172% | 2,341 |
| Net loans and leases to deposits | 80.2451% | 2,784 |
| Net loans and leases to core deposits | 84.3334% | 2,948 |
| Total domestic deposits to total assets | 88.3758% | 1,421 |
| Equity capital to assets | 8.0448% | 5,252 |
| Core capital (leverage) ratio | 9.0847% | 4,583 |
| Tier 1 risk-based capital ratio | 12.5692% | 4,198 |
| Total risk-based capital ratio | 13.3469% | 4,385 |
| Memoranda: | ||
| Average total assets | $80,322,000 | 4,562 |
| Average earning assets | $76,404,000 | 4,520 |
| Average equity | $6,563,500 | 4,966 |
| Average total loans | $57,964,000 | 4,250 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 1,479 |
| Cost of funding earning assets | 0.2775% | 4,343 |
| Net interest margin | 4.3063% | 952 |
| Noninterest income to average assets | 0.5340% | 2,800 |
| Noninterest expense to average assets | 2.8395% | 2,649 |
| Loan and lease loss provision to assets | 0.2294% | 851 |
| Net operating income to assets | 1.5192% | 766 |
| Return on assets (ROA) | 1.5192% | 778 |
| Pretax return on assets | 1.5192% | 1,562 |
| Return on Equity (ROE) | 18.5208% | 271 |
| Retained earnings to average equity (ytd only) | 2.5948% | 3,766 |
| Net charge-offs to loans | 0.3171% | 800 |
| Credit loss provision to net charge-offs | 101.1236% | 2,535 |
| Earnings coverage of net charge-offs (x) | 7.7079% | 3,007 |
| Efficiency ratio | 61.8889% | 3,954 |
| Assets per employee ($millions) | 3.9743% | 4,002 |
| Cash dividends to net income (ytd only)* | 85.9899% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 4,972 |
| Loan loss allowance to noncurrent loans | 27.7957% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 591 |
| Noncurrent loans to loans | 2.6706% | 471 |
| Net loans and leases to total assets | 72.3348% | 2,173 |
| Net loans and leases to deposits | 80.2434% | 2,890 |
| Net loans and leases to core deposits | 84.0339% | 3,051 |
| Total domestic deposits to total assets | 90.1442% | 522 |
| Equity capital to assets | 8.3008% | 5,260 |
| Core capital (leverage) ratio | 9.0868% | 4,540 |
| Tier 1 risk-based capital ratio | 12.1907% | 4,401 |
| Total risk-based capital ratio | 12.9205% | 4,629 |
| Memoranda: | ||
| Average total assets | $78,464,200 | 4,620 |
| Average earning assets | $73,868,200 | 4,581 |
| Average equity | $6,436,000 | 5,035 |
| Average total loans | $56,141,800 | 4,284 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 1,516 |
| Cost of funding earning assets | 0.2719% | 4,386 |
| Net interest margin | 4.2743% | 987 |
| Noninterest income to average assets | 0.5455% | 2,749 |
| Noninterest expense to average assets | 2.8129% | 2,687 |
| Loan and lease loss provision to assets | 0.2813% | 576 |
| Net operating income to assets | 1.4712% | 957 |
| Return on assets (ROA) | 1.4712% | 972 |
| Pretax return on assets | 1.4712% | 1,876 |
| Return on Equity (ROE) | 17.9914% | 331 |
| Retained earnings to average equity (ytd only) | -3.3772% | 5,502 |
| Net charge-offs to loans | 0.4285% | 490 |
| Credit loss provision to net charge-offs | 92.1788% | 2,430 |
| Earnings coverage of net charge-offs (x) | 5.7430% | 3,061 |
| Efficiency ratio | 61.6131% | 3,934 |
| Assets per employee ($millions) | 3.7360% | 4,402 |
| Cash dividends to net income (ytd only)* | 118.7713% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 5,099 |
| Loan loss allowance to noncurrent loans | 30.0654% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.7551% | 805 |
| Noncurrent loans to loans | 2.3820% | 658 |
| Net loans and leases to total assets | 73.1566% | 2,072 |
| Net loans and leases to deposits | 81.1340% | 2,861 |
| Net loans and leases to core deposits | 85.0095% | 3,043 |
| Total domestic deposits to total assets | 90.1676% | 417 |
| Equity capital to assets | 8.1983% | 5,439 |
| Core capital (leverage) ratio | 8.8221% | 4,941 |
| Tier 1 risk-based capital ratio | 12.4356% | 4,361 |
| Total risk-based capital ratio | 13.1867% | 4,547 |
| Memoranda: | ||
| Average total assets | $78,208,750 | 4,671 |
| Average earning assets | $73,554,250 | 4,635 |
| Average equity | $6,395,500 | 5,097 |
| Average total loans | $55,695,750 | 4,339 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 1,599 |
| Cost of funding earning assets | 0.2646% | 4,423 |
| Net interest margin | 4.2067% | 1,064 |
| Noninterest income to average assets | 0.5299% | 2,829 |
| Noninterest expense to average assets | 2.7980% | 2,769 |
| Loan and lease loss provision to assets | 0.3840% | 359 |
| Net operating income to assets | 1.2953% | 1,309 |
| Return on assets (ROA) | 1.2953% | 1,331 |
| Pretax return on assets | 1.2953% | 2,403 |
| Return on Equity (ROE) | 15.8538% | 551 |
| Retained earnings to average equity (ytd only) | -7.6449% | 5,602 |
| Net charge-offs to loans | 0.6801% | 285 |
| Credit loss provision to net charge-offs | 80.2139% | 2,257 |
| Earnings coverage of net charge-offs (x) | 3.5080% | 3,038 |
| Efficiency ratio | 62.4929% | 3,909 |
| Assets per employee ($millions) | 3.7276% | 4,396 |
| Cash dividends to net income (ytd only)* | 148.2213% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 5,229 |
| Loan loss allowance to noncurrent loans | 35.7404% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 1,128 |
| Noncurrent loans to loans | 1.9390% | 887 |
| Net loans and leases to total assets | 71.5751% | 2,267 |
| Net loans and leases to deposits | 79.2714% | 2,998 |
| Net loans and leases to core deposits | 82.5583% | 3,206 |
| Total domestic deposits to total assets | 90.2913% | 427 |
| Equity capital to assets | 8.1336% | 5,477 |
| Core capital (leverage) ratio | 8.7509% | 5,004 |
| Tier 1 risk-based capital ratio | 11.5870% | 4,899 |
| Total risk-based capital ratio | 12.2561% | 5,147 |
| Memoranda: | ||
| Average total assets | $78,126,670 | 4,701 |
| Average earning assets | $73,311,670 | 4,670 |
| Average equity | $6,383,330 | 5,128 |
| Average total loans | $54,991,330 | 4,387 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 1,291 |
| Cost of funding earning assets | 0.2623% | 4,434 |
| Net interest margin | 4.2727% | 844 |
| Noninterest income to average assets | 0.5330% | 2,752 |
| Noninterest expense to average assets | 2.8136% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7271% | 521 |
| Return on assets (ROA) | 1.7271% | 528 |
| Pretax return on assets | 1.7271% | 944 |
| Return on Equity (ROE) | 21.0905% | 188 |
| Retained earnings to average equity (ytd only) | 2.9414% | 3,943 |
| Net charge-offs to loans | -0.0811% | 5,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9639% | 4,151 |
| Assets per employee ($millions) | 4.1847% | 3,688 |
| Cash dividends to net income (ytd only)* | 86.0534% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 5,057 |
| Loan loss allowance to noncurrent loans | 92.6160% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 2,862 |
| Noncurrent loans to loans | 0.8670% | 2,298 |
| Net loans and leases to total assets | 68.2111% | 2,643 |
| Net loans and leases to deposits | 75.6528% | 3,237 |
| Net loans and leases to core deposits | 78.7358% | 3,421 |
| Total domestic deposits to total assets | 90.1634% | 594 |
| Equity capital to assets | 8.0972% | 5,473 |
| Core capital (leverage) ratio | 9.1455% | 4,548 |
| Tier 1 risk-based capital ratio | 13.2105% | 3,942 |
| Total risk-based capital ratio | 14.0316% | 4,107 |
| Memoranda: | ||
| Average total assets | $78,050,000 | 4,751 |
| Average earning assets | $73,209,000 | 4,720 |
| Average equity | $6,391,500 | 5,174 |
| Average total loans | $54,277,000 | 4,446 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 1,114 |
| Cost of funding earning assets | 0.2873% | 4,195 |
| Net interest margin | 4.3840% | 803 |
| Noninterest income to average assets | 0.6248% | 2,530 |
| Noninterest expense to average assets | 2.9300% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7874% | 458 |
| Return on assets (ROA) | 1.7913% | 472 |
| Pretax return on assets | 1.7913% | 818 |
| Return on Equity (ROE) | 21.3752% | 164 |
| Retained earnings to average equity (ytd only) | 4.8236% | 2,459 |
| Net charge-offs to loans | 0.0568% | 2,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 45.1000% | 1,079 |
| Efficiency ratio | 62.1115% | 4,226 |
| Assets per employee ($millions) | 3.8296% | 4,251 |
| Cash dividends to net income (ytd only)* | 77.4336% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 5,125 |
| Loan loss allowance to noncurrent loans | 185.6522% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 4,072 |
| Noncurrent loans to loans | 0.4269% | 3,611 |
| Net loans and leases to total assets | 69.7915% | 2,515 |
| Net loans and leases to deposits | 77.9213% | 3,114 |
| Net loans and leases to core deposits | 81.2396% | 3,287 |
| Total domestic deposits to total assets | 89.5667% | 835 |
| Equity capital to assets | 8.2843% | 5,429 |
| Core capital (leverage) ratio | 9.1237% | 4,589 |
| Tier 1 risk-based capital ratio | 13.0866% | 4,008 |
| Total risk-based capital ratio | 13.8831% | 4,194 |
| Memoranda: | ||
| Average total assets | $75,698,600 | 4,823 |
| Average earning assets | $70,665,600 | 4,789 |
| Average equity | $6,343,800 | 5,220 |
| Average total loans | $52,782,600 | 4,496 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,184 |
| Cost of funding earning assets | 0.2915% | 4,195 |
| Net interest margin | 4.3594% | 835 |
| Noninterest income to average assets | 0.6466% | 2,441 |
| Noninterest expense to average assets | 2.9324% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7824% | 505 |
| Return on assets (ROA) | 1.7877% | 532 |
| Pretax return on assets | 1.7877% | 919 |
| Return on Equity (ROE) | 21.2706% | 181 |
| Retained earnings to average equity (ytd only) | -0.7988% | 5,476 |
| Net charge-offs to loans | -0.0279% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1956% | 4,194 |
| Assets per employee ($millions) | 3.8013% | 4,300 |
| Cash dividends to net income (ytd only)* | 103.7553% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,934 |
| Loan loss allowance to noncurrent loans | 133.6182% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 3,576 |
| Noncurrent loans to loans | 0.6585% | 3,054 |
| Net loans and leases to total assets | 69.4907% | 2,571 |
| Net loans and leases to deposits | 78.4040% | 3,145 |
| Net loans and leases to core deposits | 81.7969% | 3,300 |
| Total domestic deposits to total assets | 88.6315% | 1,086 |
| Equity capital to assets | 8.3564% | 5,604 |
| Core capital (leverage) ratio | 8.8190% | 5,035 |
| Tier 1 risk-based capital ratio | 12.8637% | 4,244 |
| Total risk-based capital ratio | 13.7679% | 4,365 |
| Memoranda: | ||
| Average total assets | $75,475,500 | 4,860 |
| Average earning assets | $70,436,250 | 4,833 |
| Average equity | $6,343,500 | 5,275 |
| Average total loans | $52,508,000 | 4,538 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 1,167 |
| Cost of funding earning assets | 0.2938% | 4,204 |
| Net interest margin | 4.3559% | 842 |
| Noninterest income to average assets | 0.6880% | 2,197 |
| Noninterest expense to average assets | 2.9299% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8143% | 467 |
| Return on assets (ROA) | 1.8169% | 491 |
| Pretax return on assets | 1.8169% | 850 |
| Return on Equity (ROE) | 21.5762% | 173 |
| Retained earnings to average equity (ytd only) | -3.3437% | 5,659 |
| Net charge-offs to loans | -0.0345% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7581% | 4,382 |
| Assets per employee ($millions) | 3.8378% | 4,197 |
| Cash dividends to net income (ytd only)* | 115.4971% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 4,961 |
| Loan loss allowance to noncurrent loans | 555.9524% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 5,074 |
| Noncurrent loans to loans | 0.1618% | 4,793 |
| Net loans and leases to total assets | 67.0189% | 2,936 |
| Net loans and leases to deposits | 75.9781% | 3,386 |
| Net loans and leases to core deposits | 80.8312% | 3,381 |
| Total domestic deposits to total assets | 88.2081% | 1,314 |
| Equity capital to assets | 8.2547% | 5,713 |
| Core capital (leverage) ratio | 8.7567% | 5,101 |
| Tier 1 risk-based capital ratio | 12.9017% | 4,258 |
| Total risk-based capital ratio | 13.8138% | 4,384 |
| Memoranda: | ||
| Average total assets | $75,292,000 | 4,904 |
| Average earning assets | $70,111,330 | 4,884 |
| Average equity | $6,340,330 | 5,322 |
| Average total loans | $52,244,000 | 4,581 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 1,134 |
| Cost of funding earning assets | 0.2939% | 4,231 |
| Net interest margin | 4.3621% | 808 |
| Noninterest income to average assets | 0.6009% | 2,523 |
| Noninterest expense to average assets | 3.0365% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6255% | 667 |
| Return on assets (ROA) | 1.6255% | 708 |
| Pretax return on assets | 1.6255% | 1,235 |
| Return on Equity (ROE) | 19.1092% | 285 |
| Retained earnings to average equity (ytd only) | -2.3335% | 5,415 |
| Net charge-offs to loans | -0.0611% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1323% | 3,952 |
| Assets per employee ($millions) | 3.7889% | 4,321 |
| Cash dividends to net income (ytd only)* | 112.2112% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 5,102 |
| Loan loss allowance to noncurrent loans | 148.4076% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 3,694 |
| Noncurrent loans to loans | 0.5974% | 3,388 |
| Net loans and leases to total assets | 68.7478% | 2,536 |
| Net loans and leases to deposits | 78.4776% | 2,956 |
| Net loans and leases to core deposits | 83.5968% | 2,966 |
| Total domestic deposits to total assets | 87.6018% | 1,864 |
| Equity capital to assets | 8.3891% | 5,644 |
| Core capital (leverage) ratio | 9.1479% | 4,659 |
| Tier 1 risk-based capital ratio | 12.9515% | 4,298 |
| Total risk-based capital ratio | 13.8559% | 4,427 |
| Memoranda: | ||
| Average total assets | $74,560,000 | 4,962 |
| Average earning assets | $69,416,500 | 4,945 |
| Average equity | $6,342,500 | 5,351 |
| Average total loans | $52,412,000 | 4,604 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 917 |
| Cost of funding earning assets | 0.2837% | 4,433 |
| Net interest margin | 4.5233% | 629 |
| Noninterest income to average assets | 0.5876% | 2,785 |
| Noninterest expense to average assets | 2.9108% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9136% | 400 |
| Return on assets (ROA) | 1.9163% | 408 |
| Pretax return on assets | 1.9163% | 647 |
| Return on Equity (ROE) | 22.8572% | 141 |
| Retained earnings to average equity (ytd only) | 1.0947% | 5,081 |
| Net charge-offs to loans | 0.2360% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.7395% | 2,531 |
| Efficiency ratio | 60.3350% | 4,868 |
| Assets per employee ($millions) | 3.6672% | 4,536 |
| Cash dividends to net income (ytd only)* | 95.2109% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 5,176 |
| Loan loss allowance to noncurrent loans | 408.9286% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 4,741 |
| Noncurrent loans to loans | 0.2143% | 4,649 |
| Net loans and leases to total assets | 70.6339% | 2,272 |
| Net loans and leases to deposits | 82.2693% | 2,557 |
| Net loans and leases to core deposits | 87.9348% | 2,609 |
| Total domestic deposits to total assets | 85.8569% | 2,709 |
| Equity capital to assets | 8.6280% | 5,445 |
| Core capital (leverage) ratio | 9.1587% | 4,673 |
| Tier 1 risk-based capital ratio | 13.9716% | 3,726 |
| Total risk-based capital ratio | 14.9252% | 3,833 |
| Memoranda: | ||
| Average total assets | $73,004,000 | 5,013 |
| Average earning assets | $68,379,000 | 4,973 |
| Average equity | $6,120,600 | 5,410 |
| Average total loans | $50,430,800 | 4,656 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 901 |
| Cost of funding earning assets | 0.2789% | 4,576 |
| Net interest margin | 4.5438% | 598 |
| Noninterest income to average assets | 0.5833% | 2,830 |
| Noninterest expense to average assets | 2.8871% | 2,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9565% | 389 |
| Return on assets (ROA) | 1.9601% | 403 |
| Pretax return on assets | 1.9601% | 651 |
| Return on Equity (ROE) | 23.5518% | 150 |
| Retained earnings to average equity (ytd only) | -5.7122% | 6,046 |
| Net charge-offs to loans | 0.2668% | 993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.7000% | 2,573 |
| Efficiency ratio | 59.6074% | 4,930 |
| Assets per employee ($millions) | 3.5858% | 4,633 |
| Cash dividends to net income (ytd only)* | 124.2538% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 5,044 |
| Loan loss allowance to noncurrent loans | 162.2449% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 3,212 |
| Noncurrent loans to loans | 0.5767% | 3,606 |
| Net loans and leases to total assets | 70.4194% | 2,325 |
| Net loans and leases to deposits | 82.8214% | 2,550 |
| Net loans and leases to core deposits | 87.6026% | 2,695 |
| Total domestic deposits to total assets | 85.0257% | 2,993 |
| Equity capital to assets | 8.4542% | 5,732 |
| Core capital (leverage) ratio | 8.7990% | 5,239 |
| Tier 1 risk-based capital ratio | 12.1251% | 5,011 |
| Total risk-based capital ratio | 13.0312% | 5,134 |
| Memoranda: | ||
| Average total assets | $72,919,250 | 5,079 |
| Average earning assets | $68,370,250 | 5,036 |
| Average equity | $6,068,750 | 5,484 |
| Average total loans | $49,972,750 | 4,716 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 989 |
| Cost of funding earning assets | 0.2717% | 4,697 |
| Net interest margin | 4.4736% | 667 |
| Noninterest income to average assets | 0.6083% | 2,686 |
| Noninterest expense to average assets | 2.8478% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9831% | 374 |
| Return on assets (ROA) | 1.9885% | 385 |
| Pretax return on assets | 1.9885% | 611 |
| Return on Equity (ROE) | 24.0171% | 133 |
| Retained earnings to average equity (ytd only) | -7.3468% | 6,105 |
| Net charge-offs to loans | 0.1733% | 1,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.9070% | 1,881 |
| Efficiency ratio | 58.9497% | 5,117 |
| Assets per employee ($millions) | 3.8243% | 4,218 |
| Cash dividends to net income (ytd only)* | 130.5898% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 4,619 |
| Loan loss allowance to noncurrent loans | 452.5424% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 4,172 |
| Noncurrent loans to loans | 0.2315% | 4,845 |
| Net loans and leases to total assets | 69.4035% | 2,425 |
| Net loans and leases to deposits | 83.2398% | 2,409 |
| Net loans and leases to core deposits | 86.1477% | 2,749 |
| Total domestic deposits to total assets | 83.3778% | 3,804 |
| Equity capital to assets | 8.1735% | 5,898 |
| Core capital (leverage) ratio | 8.8169% | 5,207 |
| Tier 1 risk-based capital ratio | 12.1352% | 5,052 |
| Total risk-based capital ratio | 13.1446% | 5,117 |
| Memoranda: | ||
| Average total assets | $73,320,330 | 5,118 |
| Average earning assets | $69,205,330 | 5,056 |
| Average equity | $6,070,670 | 5,536 |
| Average total loans | $49,637,330 | 4,763 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 936 |
| Cost of funding earning assets | 0.2705% | 4,782 |
| Net interest margin | 4.4833% | 620 |
| Noninterest income to average assets | 0.5431% | 3,006 |
| Noninterest expense to average assets | 2.7753% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9987% | 338 |
| Return on assets (ROA) | 1.9987% | 356 |
| Pretax return on assets | 1.9987% | 586 |
| Return on Equity (ROE) | 23.9876% | 127 |
| Retained earnings to average equity (ytd only) | 0.0652% | 5,353 |
| Net charge-offs to loans | 0.4492% | 552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.6909% | 2,256 |
| Efficiency ratio | 58.1342% | 5,319 |
| Assets per employee ($millions) | 4.1312% | 3,696 |
| Cash dividends to net income (ytd only)* | 99.7283% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 4,807 |
| Loan loss allowance to noncurrent loans | 145.0000% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 3,273 |
| Noncurrent loans to loans | 0.7191% | 3,464 |
| Net loans and leases to total assets | 66.6200% | 2,669 |
| Net loans and leases to deposits | 81.2597% | 2,418 |
| Net loans and leases to core deposits | 84.0773% | 2,763 |
| Total domestic deposits to total assets | 81.9841% | 4,511 |
| Equity capital to assets | 8.4425% | 5,778 |
| Core capital (leverage) ratio | 9.0503% | 4,894 |
| Tier 1 risk-based capital ratio | 12.5707% | 4,858 |
| Total risk-based capital ratio | 13.5584% | 4,953 |
| Memoranda: | ||
| Average total assets | $73,649,500 | 5,159 |
| Average earning assets | $69,503,000 | 5,105 |
| Average equity | $6,136,500 | 5,570 |
| Average total loans | $48,974,000 | 4,817 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 1,722 |
| Cost of funding earning assets | 0.3345% | 4,444 |
| Net interest margin | 4.2071% | 1,279 |
| Noninterest income to average assets | 0.5402% | 3,233 |
| Noninterest expense to average assets | 2.6669% | 3,988 |
| Loan and lease loss provision to assets | 0.0609% | 3,301 |
| Net operating income to assets | 1.7964% | 482 |
| Return on assets (ROA) | 1.8100% | 483 |
| Pretax return on assets | 1.8100% | 778 |
| Return on Equity (ROE) | 24.8061% | 109 |
| Retained earnings to average equity (ytd only) | 8.7016% | 768 |
| Net charge-offs to loans | 0.0513% | 3,804 |
| Credit loss provision to net charge-offs | 187.5000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 57.1667% | 823 |
| Efficiency ratio | 58.9467% | 5,352 |
| Assets per employee ($millions) | 4.0521% | 3,829 |
| Cash dividends to net income (ytd only)* | 64.9215% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 3,965 |
| Loan loss allowance to noncurrent loans | 165.3295% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 3,720 |
| Noncurrent loans to loans | 0.7288% | 3,499 |
| Net loans and leases to total assets | 64.8628% | 3,072 |
| Net loans and leases to deposits | 79.1451% | 2,820 |
| Net loans and leases to core deposits | 82.3281% | 3,067 |
| Total domestic deposits to total assets | 81.9543% | 4,437 |
| Equity capital to assets | 8.2194% | 5,949 |
| Core capital (leverage) ratio | 9.0581% | 4,894 |
| Tier 1 risk-based capital ratio | 14.8725% | 3,554 |
| Total risk-based capital ratio | 16.1238% | 3,490 |
| Memoranda: | ||
| Average total assets | $73,868,200 | 5,189 |
| Average earning assets | $69,952,600 | 5,126 |
| Average equity | $5,389,800 | 5,766 |
| Average total loans | $46,788,400 | 4,925 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 1,779 |
| Cost of funding earning assets | 0.3453% | 4,391 |
| Net interest margin | 4.1812% | 1,347 |
| Noninterest income to average assets | 0.5740% | 3,039 |
| Noninterest expense to average assets | 2.6486% | 4,018 |
| Loan and lease loss provision to assets | 0.0810% | 2,730 |
| Net operating income to assets | 1.8101% | 510 |
| Return on assets (ROA) | 1.7921% | 532 |
| Pretax return on assets | 1.7921% | 909 |
| Return on Equity (ROE) | 25.3502% | 97 |
| Retained earnings to average equity (ytd only) | 4.6576% | 3,316 |
| Net charge-offs to loans | 0.0459% | 3,578 |
| Credit loss provision to net charge-offs | 281.2500% | 954 |
| Earnings coverage of net charge-offs (x) | 65.6962% | 812 |
| Efficiency ratio | 58.3432% | 5,401 |
| Assets per employee ($millions) | 4.0564% | 3,765 |
| Cash dividends to net income (ytd only)* | 81.6261% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 4,301 |
| Loan loss allowance to noncurrent loans | 100.6885% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 3,000 |
| Noncurrent loans to loans | 1.1779% | 2,706 |
| Net loans and leases to total assets | 66.7511% | 2,732 |
| Net loans and leases to deposits | 82.4129% | 2,373 |
| Net loans and leases to core deposits | 85.7613% | 2,689 |
| Total domestic deposits to total assets | 80.9959% | 4,825 |
| Equity capital to assets | 7.7106% | 6,241 |
| Core capital (leverage) ratio | 8.6630% | 5,488 |
| Tier 1 risk-based capital ratio | 13.8452% | 4,324 |
| Total risk-based capital ratio | 15.0952% | 4,259 |
| Memoranda: | ||
| Average total assets | $74,101,000 | 5,245 |
| Average earning assets | $70,281,250 | 5,170 |
| Average equity | $5,238,500 | 5,865 |
| Average total loans | $46,514,000 | 4,981 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 2,085 |
| Cost of funding earning assets | 0.3603% | 4,318 |
| Net interest margin | 4.0651% | 1,621 |
| Noninterest income to average assets | 0.5452% | 3,166 |
| Noninterest expense to average assets | 2.5946% | 4,259 |
| Loan and lease loss provision to assets | 0.1209% | 2,034 |
| Net operating income to assets | 1.6787% | 598 |
| Return on assets (ROA) | 1.6787% | 636 |
| Pretax return on assets | 1.6787% | 1,062 |
| Return on Equity (ROE) | 24.4714% | 121 |
| Retained earnings to average equity (ytd only) | 3.4064% | 4,034 |
| Net charge-offs to loans | 0.0439% | 3,352 |
| Credit loss provision to net charge-offs | 450.0000% | 632 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 752 |
| Efficiency ratio | 59.0465% | 5,423 |
| Assets per employee ($millions) | 4.1363% | 3,573 |
| Cash dividends to net income (ytd only)* | 86.0800% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 4,249 |
| Loan loss allowance to noncurrent loans | 160.1626% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 4,223 |
| Noncurrent loans to loans | 0.7710% | 3,780 |
| Net loans and leases to total assets | 63.4870% | 3,162 |
| Net loans and leases to deposits | 79.1494% | 2,637 |
| Net loans and leases to core deposits | 83.1217% | 2,840 |
| Total domestic deposits to total assets | 80.2117% | 5,195 |
| Equity capital to assets | 7.2462% | 6,405 |
| Core capital (leverage) ratio | 8.2735% | 5,867 |
| Tier 1 risk-based capital ratio | 13.5066% | 4,573 |
| Total risk-based capital ratio | 14.7578% | 4,518 |
| Memoranda: | ||
| Average total assets | $74,462,670 | 5,280 |
| Average earning assets | $70,502,330 | 5,209 |
| Average equity | $5,108,000 | 5,934 |
| Average total loans | $45,577,330 | 5,048 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 1,982 |
| Cost of funding earning assets | 0.3801% | 4,197 |
| Net interest margin | 4.0616% | 1,566 |
| Noninterest income to average assets | 0.5533% | 3,028 |
| Noninterest expense to average assets | 2.6052% | 4,253 |
| Loan and lease loss provision to assets | 0.1611% | 1,508 |
| Net operating income to assets | 1.6329% | 635 |
| Return on assets (ROA) | 1.6329% | 663 |
| Pretax return on assets | 1.6329% | 1,102 |
| Return on Equity (ROE) | 24.4939% | 132 |
| Retained earnings to average equity (ytd only) | 7.9766% | 1,605 |
| Net charge-offs to loans | -0.1170% | 6,182 |
| Credit loss provision to net charge-offs | -230.7692% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2186% | 5,509 |
| Assets per employee ($millions) | 4.5084% | 2,963 |
| Cash dividends to net income (ytd only)* | 67.4342% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 3,978 |
| Loan loss allowance to noncurrent loans | 92.7245% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.0099% | 3,237 |
| Noncurrent loans to loans | 1.4293% | 2,640 |
| Net loans and leases to total assets | 58.1880% | 3,815 |
| Net loans and leases to deposits | 69.4549% | 3,666 |
| Net loans and leases to core deposits | 72.6809% | 3,798 |
| Total domestic deposits to total assets | 83.7780% | 4,354 |
| Equity capital to assets | 6.6908% | 6,502 |
| Core capital (leverage) ratio | 8.3291% | 5,821 |
| Tier 1 risk-based capital ratio | 14.0317% | 4,316 |
| Total risk-based capital ratio | 15.2821% | 4,248 |
| Memoranda: | ||
| Average total assets | $74,467,500 | 5,326 |
| Average earning assets | $70,514,500 | 5,262 |
| Average equity | $4,964,500 | 6,003 |
| Average total loans | $44,436,500 | 5,150 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,615 |
| Cost of funding earning assets | 0.4312% | 4,309 |
| Net interest margin | 4.2520% | 1,215 |
| Noninterest income to average assets | 0.5848% | 3,185 |
| Noninterest expense to average assets | 2.7640% | 3,858 |
| Loan and lease loss provision to assets | 0.1699% | 2,158 |
| Net operating income to assets | 1.6581% | 622 |
| Return on assets (ROA) | 1.6581% | 638 |
| Pretax return on assets | 1.6581% | 1,040 |
| Return on Equity (ROE) | 23.1514% | 175 |
| Retained earnings to average equity (ytd only) | 4.5868% | 2,894 |
| Net charge-offs to loans | 0.1781% | 3,047 |
| Credit loss provision to net charge-offs | 146.3415% | 1,589 |
| Earnings coverage of net charge-offs (x) | 15.7439% | 1,850 |
| Efficiency ratio | 60.1912% | 5,443 |
| Assets per employee ($millions) | 4.0162% | 3,835 |
| Cash dividends to net income (ytd only)* | 80.1879% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 4,277 |
| Loan loss allowance to noncurrent loans | 182.2951% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 4,442 |
| Noncurrent loans to loans | 0.6983% | 4,232 |
| Net loans and leases to total assets | 59.6484% | 3,779 |
| Net loans and leases to deposits | 71.6665% | 3,572 |
| Net loans and leases to core deposits | 75.3061% | 3,695 |
| Total domestic deposits to total assets | 83.2305% | 4,458 |
| Equity capital to assets | 6.6411% | 6,544 |
| Core capital (leverage) ratio | 8.6253% | 5,508 |
| Tier 1 risk-based capital ratio | 14.2953% | 4,087 |
| Total risk-based capital ratio | 15.5454% | 4,030 |
| Memoranda: | ||
| Average total assets | $70,623,000 | 5,453 |
| Average earning assets | $66,557,600 | 5,389 |
| Average equity | $5,058,000 | 6,049 |
| Average total loans | $46,053,200 | 5,113 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 1,507 |
| Cost of funding earning assets | 0.4335% | 4,470 |
| Net interest margin | 4.3023% | 1,091 |
| Noninterest income to average assets | 0.5887% | 3,229 |
| Noninterest expense to average assets | 2.7822% | 3,724 |
| Loan and lease loss provision to assets | 0.1709% | 2,125 |
| Net operating income to assets | 1.6883% | 632 |
| Return on assets (ROA) | 1.6883% | 667 |
| Pretax return on assets | 1.6883% | 1,124 |
| Return on Equity (ROE) | 23.1402% | 167 |
| Retained earnings to average equity (ytd only) | 0.1302% | 5,896 |
| Net charge-offs to loans | 0.1343% | 3,199 |
| Credit loss provision to net charge-offs | 191.4894% | 1,260 |
| Earnings coverage of net charge-offs (x) | 20.8281% | 1,570 |
| Efficiency ratio | 59.9427% | 5,443 |
| Assets per employee ($millions) | 3.9876% | 3,853 |
| Cash dividends to net income (ytd only)* | 99.4381% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 4,780 |
| Loan loss allowance to noncurrent loans | 115.1951% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 3,994 |
| Noncurrent loans to loans | 1.0595% | 3,680 |
| Net loans and leases to total assets | 63.2565% | 3,116 |
| Net loans and leases to deposits | 76.2038% | 2,934 |
| Net loans and leases to core deposits | 80.1083% | 3,121 |
| Total domestic deposits to total assets | 83.0096% | 4,570 |
| Equity capital to assets | 6.7460% | 6,604 |
| Core capital (leverage) ratio | 8.3111% | 5,963 |
| Tier 1 risk-based capital ratio | 13.6137% | 4,679 |
| Total risk-based capital ratio | 14.8636% | 4,640 |
| Memoranda: | ||
| Average total assets | $70,205,750 | 5,522 |
| Average earning assets | $66,132,750 | 5,451 |
| Average equity | $5,122,250 | 6,110 |
| Average total loans | $46,647,250 | 5,128 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 1,444 |
| Cost of funding earning assets | 0.4386% | 4,563 |
| Net interest margin | 4.3098% | 1,011 |
| Noninterest income to average assets | 0.5913% | 3,244 |
| Noninterest expense to average assets | 2.7927% | 3,697 |
| Loan and lease loss provision to assets | 0.1722% | 2,187 |
| Net operating income to assets | 1.6877% | 640 |
| Return on assets (ROA) | 1.6877% | 696 |
| Pretax return on assets | 1.6877% | 1,143 |
| Return on Equity (ROE) | 22.5474% | 186 |
| Retained earnings to average equity (ytd only) | -2.4541% | 6,242 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0247% | 5,482 |
| Assets per employee ($millions) | 3.8699% | 4,066 |
| Cash dividends to net income (ytd only)* | 110.8844% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 4,874 |
| Loan loss allowance to noncurrent loans | 219.7719% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 4,881 |
| Noncurrent loans to loans | 0.5563% | 4,865 |
| Net loans and leases to total assets | 67.0351% | 2,406 |
| Net loans and leases to deposits | 80.9023% | 2,194 |
| Net loans and leases to core deposits | 85.5740% | 2,375 |
| Total domestic deposits to total assets | 82.8594% | 4,757 |
| Equity capital to assets | 6.6424% | 6,662 |
| Core capital (leverage) ratio | 8.3241% | 5,855 |
| Tier 1 risk-based capital ratio | 13.5055% | 4,769 |
| Total risk-based capital ratio | 14.7554% | 4,722 |
| Memoranda: | ||
| Average total assets | $69,682,330 | 5,579 |
| Average earning assets | $65,664,670 | 5,505 |
| Average equity | $5,215,670 | 6,123 |
| Average total loans | $46,875,000 | 5,140 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 1,740 |
| Cost of funding earning assets | 0.4448% | 4,649 |
| Net interest margin | 4.1862% | 1,226 |
| Noninterest income to average assets | 0.5969% | 3,158 |
| Noninterest expense to average assets | 2.7951% | 3,720 |
| Loan and lease loss provision to assets | 0.1722% | 2,138 |
| Net operating income to assets | 1.5726% | 745 |
| Return on assets (ROA) | 1.5726% | 806 |
| Pretax return on assets | 1.5726% | 1,369 |
| Return on Equity (ROE) | 19.8911% | 304 |
| Retained earnings to average equity (ytd only) | -4.5009% | 6,324 |
| Net charge-offs to loans | 0.0171% | 3,815 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 264 |
| Efficiency ratio | 61.5676% | 5,364 |
| Assets per employee ($millions) | 3.9508% | 4,065 |
| Cash dividends to net income (ytd only)* | 122.6277% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 5,331 |
| Loan loss allowance to noncurrent loans | 69.0265% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.4259% | 3,127 |
| Noncurrent loans to loans | 1.6936% | 3,003 |
| Net loans and leases to total assets | 64.9085% | 2,549 |
| Net loans and leases to deposits | 78.9934% | 2,211 |
| Net loans and leases to core deposits | 83.8995% | 2,334 |
| Total domestic deposits to total assets | 82.1695% | 5,135 |
| Equity capital to assets | 7.6722% | 6,536 |
| Core capital (leverage) ratio | 8.3444% | 5,766 |
| Tier 1 risk-based capital ratio | 13.6061% | 4,790 |
| Total risk-based capital ratio | 14.8556% | 4,757 |
| Memoranda: | ||
| Average total assets | $69,694,000 | 5,638 |
| Average earning assets | $65,644,500 | 5,556 |
| Average equity | $5,510,000 | 6,098 |
| Average total loans | $46,675,500 | 5,187 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 1,430 |
| Cost of funding earning assets | 0.5425% | 4,880 |
| Net interest margin | 4.5075% | 937 |
| Noninterest income to average assets | 0.6407% | 3,048 |
| Noninterest expense to average assets | 2.7555% | 4,197 |
| Loan and lease loss provision to assets | 0.1792% | 3,385 |
| Net operating income to assets | 1.9252% | 412 |
| Return on assets (ROA) | 1.9311% | 448 |
| Pretax return on assets | 1.9311% | 697 |
| Return on Equity (ROE) | 24.2262% | 150 |
| Retained earnings to average equity (ytd only) | 5.9394% | 2,114 |
| Net charge-offs to loans | 0.2073% | 3,720 |
| Credit loss provision to net charge-offs | 125.0000% | 2,264 |
| Earnings coverage of net charge-offs (x) | 14.6771% | 1,718 |
| Efficiency ratio | 56.6994% | 5,979 |
| Assets per employee ($millions) | 4.0161% | 3,912 |
| Cash dividends to net income (ytd only)* | 75.4834% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,513 |
| Loan loss allowance to noncurrent loans | 132.8205% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.8979% | 4,249 |
| Noncurrent loans to loans | 0.8361% | 4,520 |
| Net loans and leases to total assets | 67.5631% | 2,270 |
| Net loans and leases to deposits | 83.1915% | 1,853 |
| Net loans and leases to core deposits | 87.5577% | 2,140 |
| Total domestic deposits to total assets | 81.2139% | 5,333 |
| Equity capital to assets | 8.1495% | 6,319 |
| Core capital (leverage) ratio | 8.6578% | 5,388 |
| Tier 1 risk-based capital ratio | 13.8383% | 4,507 |
| Total risk-based capital ratio | 15.0445% | 4,491 |
| Memoranda: | ||
| Average total assets | $66,955,800 | 5,713 |
| Average earning assets | $62,673,600 | 5,649 |
| Average equity | $5,337,200 | 6,198 |
| Average total loans | $46,301,000 | 5,237 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0793% | 1,475 |
| Cost of funding earning assets | 0.5606% | 4,992 |
| Net interest margin | 4.5188% | 955 |
| Noninterest income to average assets | 0.6424% | 3,031 |
| Noninterest expense to average assets | 2.7596% | 4,138 |
| Loan and lease loss provision to assets | 0.1801% | 3,336 |
| Net operating income to assets | 1.9291% | 426 |
| Return on assets (ROA) | 1.9351% | 483 |
| Pretax return on assets | 1.9351% | 803 |
| Return on Equity (ROE) | 24.4162% | 154 |
| Retained earnings to average equity (ytd only) | -0.2273% | 6,125 |
| Net charge-offs to loans | 0.1067% | 4,322 |
| Credit loss provision to net charge-offs | 243.2432% | 1,139 |
| Earnings coverage of net charge-offs (x) | 28.4877% | 1,144 |
| Efficiency ratio | 56.6790% | 5,971 |
| Assets per employee ($millions) | 3.7287% | 4,477 |
| Cash dividends to net income (ytd only)* | 100.9307% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,435 |
| Loan loss allowance to noncurrent loans | 67.5309% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.4706% | 3,399 |
| Noncurrent loans to loans | 1.7314% | 3,190 |
| Net loans and leases to total assets | 68.8897% | 2,137 |
| Net loans and leases to deposits | 84.8056% | 1,762 |
| Net loans and leases to core deposits | 89.5196% | 2,050 |
| Total domestic deposits to total assets | 81.2325% | 5,286 |
| Equity capital to assets | 7.9161% | 6,628 |
| Core capital (leverage) ratio | 8.3697% | 5,924 |
| Tier 1 risk-based capital ratio | 13.2238% | 5,079 |
| Total risk-based capital ratio | 14.4741% | 5,043 |
| Memoranda: | ||
| Average total assets | $66,626,250 | 5,789 |
| Average earning assets | $62,316,250 | 5,730 |
| Average equity | $5,280,500 | 6,281 |
| Average total loans | $46,214,750 | 5,304 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0672% | 1,603 |
| Cost of funding earning assets | 0.5873% | 5,010 |
| Net interest margin | 4.4800% | 1,029 |
| Noninterest income to average assets | 0.6530% | 2,941 |
| Noninterest expense to average assets | 2.7354% | 4,265 |
| Loan and lease loss provision to assets | 0.1806% | 3,294 |
| Net operating income to assets | 1.9379% | 431 |
| Return on assets (ROA) | 1.9379% | 497 |
| Pretax return on assets | 1.9379% | 790 |
| Return on Equity (ROE) | 24.4418% | 164 |
| Retained earnings to average equity (ytd only) | -3.6435% | 6,525 |
| Net charge-offs to loans | 0.0391% | 4,826 |
| Credit loss provision to net charge-offs | 666.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 78.2222% | 522 |
| Efficiency ratio | 56.3546% | 6,080 |
| Assets per employee ($millions) | 3.5543% | 4,860 |
| Cash dividends to net income (ytd only)* | 114.9068% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 5,515 |
| Loan loss allowance to noncurrent loans | 84.1049% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 4,454 |
| Noncurrent loans to loans | 1.3830% | 3,849 |
| Net loans and leases to total assets | 68.5774% | 2,191 |
| Net loans and leases to deposits | 84.1467% | 1,833 |
| Net loans and leases to core deposits | 89.1110% | 2,083 |
| Total domestic deposits to total assets | 81.4974% | 5,298 |
| Equity capital to assets | 7.7401% | 6,702 |
| Core capital (leverage) ratio | 8.2849% | 5,937 |
| Tier 1 risk-based capital ratio | 12.9173% | 5,241 |
| Total risk-based capital ratio | 14.1672% | 5,219 |
| Memoranda: | ||
| Average total assets | $66,463,000 | 5,830 |
| Average earning assets | $62,322,000 | 5,757 |
| Average equity | $5,269,670 | 6,312 |
| Average total loans | $46,025,330 | 5,340 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 1,546 |
| Cost of funding earning assets | 0.6168% | 4,990 |
| Net interest margin | 4.4931% | 1,022 |
| Noninterest income to average assets | 0.6370% | 3,010 |
| Noninterest expense to average assets | 2.7059% | 4,400 |
| Loan and lease loss provision to assets | 0.1820% | 3,151 |
| Net operating income to assets | 1.9475% | 464 |
| Return on assets (ROA) | 1.9475% | 530 |
| Pretax return on assets | 1.9475% | 809 |
| Return on Equity (ROE) | 24.2676% | 206 |
| Retained earnings to average equity (ytd only) | -0.6804% | 6,106 |
| Net charge-offs to loans | -0.1228% | 6,858 |
| Credit loss provision to net charge-offs | -214.2857% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9598% | 6,126 |
| Assets per employee ($millions) | 3.7435% | 4,552 |
| Cash dividends to net income (ytd only)* | 102.8037% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 5,623 |
| Loan loss allowance to noncurrent loans | 68.1013% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 4,171 |
| Noncurrent loans to loans | 1.7227% | 3,525 |
| Net loans and leases to total assets | 67.2558% | 2,238 |
| Net loans and leases to deposits | 82.5528% | 1,856 |
| Net loans and leases to core deposits | 85.9617% | 2,297 |
| Total domestic deposits to total assets | 81.4701% | 5,473 |
| Equity capital to assets | 7.7720% | 6,645 |
| Core capital (leverage) ratio | 8.5478% | 5,511 |
| Tier 1 risk-based capital ratio | 13.3254% | 4,951 |
| Total risk-based capital ratio | 14.5759% | 4,948 |
| Memoranda: | ||
| Average total assets | $65,929,000 | 5,891 |
| Average earning assets | $61,605,000 | 5,821 |
| Average equity | $5,291,000 | 6,338 |
| Average total loans | $45,610,000 | 5,389 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 1,330 |
| Cost of funding earning assets | 0.7325% | 5,325 |
| Net interest margin | 4.7063% | 745 |
| Noninterest income to average assets | 0.6346% | 2,980 |
| Noninterest expense to average assets | 2.8129% | 4,297 |
| Loan and lease loss provision to assets | 0.1839% | 4,354 |
| Net operating income to assets | 2.0403% | 286 |
| Return on assets (ROA) | 2.0710% | 293 |
| Pretax return on assets | 2.0710% | 465 |
| Return on Equity (ROE) | 25.8515% | 89 |
| Retained earnings to average equity (ytd only) | 1.8944% | 4,853 |
| Net charge-offs to loans | 0.2216% | 4,399 |
| Credit loss provision to net charge-offs | 116.5049% | 2,778 |
| Earnings coverage of net charge-offs (x) | 14.0874% | 1,487 |
| Efficiency ratio | 55.8430% | 6,329 |
| Assets per employee ($millions) | 3.7926% | 4,332 |
| Cash dividends to net income (ytd only)* | 92.6721% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 5,851 |
| Loan loss allowance to noncurrent loans | 91.8216% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 4,708 |
| Noncurrent loans to loans | 1.1860% | 4,389 |
| Net loans and leases to total assets | 69.5913% | 2,117 |
| Net loans and leases to deposits | 86.5462% | 1,602 |
| Net loans and leases to core deposits | 91.0085% | 1,986 |
| Total domestic deposits to total assets | 80.4095% | 5,621 |
| Equity capital to assets | 8.2900% | 6,360 |
| Core capital (leverage) ratio | 8.7286% | 5,207 |
| Tier 1 risk-based capital ratio | 13.6347% | 4,601 |
| Total risk-based capital ratio | 14.8321% | 4,607 |
| Memoranda: | ||
| Average total assets | $65,235,200 | 5,889 |
| Average earning assets | $61,024,600 | 5,836 |
| Average equity | $5,226,000 | 6,375 |
| Average total loans | $46,472,000 | 5,401 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 1,276 |
| Cost of funding earning assets | 0.7599% | 5,405 |
| Net interest margin | 4.7291% | 713 |
| Noninterest income to average assets | 0.6562% | 2,846 |
| Noninterest expense to average assets | 2.8245% | 4,253 |
| Loan and lease loss provision to assets | 0.1834% | 4,198 |
| Net operating income to assets | 2.0746% | 305 |
| Return on assets (ROA) | 2.1153% | 306 |
| Pretax return on assets | 2.1153% | 501 |
| Return on Equity (ROE) | 26.6340% | 102 |
| Retained earnings to average equity (ytd only) | -3.9515% | 6,511 |
| Net charge-offs to loans | 0.0599% | 5,367 |
| Credit loss provision to net charge-offs | 428.5714% | 657 |
| Earnings coverage of net charge-offs (x) | 52.7607% | 617 |
| Efficiency ratio | 55.5734% | 6,334 |
| Assets per employee ($millions) | 3.5719% | 4,822 |
| Cash dividends to net income (ytd only)* | 114.8356% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,478 |
| Loan loss allowance to noncurrent loans | 62.6866% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 3,896 |
| Noncurrent loans to loans | 1.9099% | 3,488 |
| Net loans and leases to total assets | 70.0827% | 2,069 |
| Net loans and leases to deposits | 86.9143% | 1,567 |
| Net loans and leases to core deposits | 91.9215% | 2,003 |
| Total domestic deposits to total assets | 80.6343% | 5,553 |
| Equity capital to assets | 8.1065% | 6,634 |
| Core capital (leverage) ratio | 8.2566% | 6,044 |
| Tier 1 risk-based capital ratio | 13.0535% | 5,059 |
| Total risk-based capital ratio | 14.3052% | 5,025 |
| Memoranda: | ||
| Average total assets | $65,425,250 | 5,933 |
| Average earning assets | $61,235,750 | 5,860 |
| Average equity | $5,196,250 | 6,439 |
| Average total loans | $46,749,250 | 5,441 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4572% | 1,393 |
| Cost of funding earning assets | 0.7796% | 5,514 |
| Net interest margin | 4.6776% | 770 |
| Noninterest income to average assets | 0.6444% | 2,885 |
| Noninterest expense to average assets | 2.8388% | 4,275 |
| Loan and lease loss provision to assets | 0.1824% | 4,095 |
| Net operating income to assets | 1.9999% | 344 |
| Return on assets (ROA) | 2.0121% | 352 |
| Pretax return on assets | 2.0121% | 581 |
| Return on Equity (ROE) | 25.5057% | 123 |
| Retained earnings to average equity (ytd only) | -3.7758% | 6,452 |
| Net charge-offs to loans | 0.2334% | 3,723 |
| Credit loss provision to net charge-offs | 109.0909% | 2,812 |
| Earnings coverage of net charge-offs (x) | 13.0545% | 1,584 |
| Efficiency ratio | 56.5375% | 6,358 |
| Assets per employee ($millions) | 3.4955% | 4,951 |
| Cash dividends to net income (ytd only)* | 114.8036% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,312 |
| Loan loss allowance to noncurrent loans | 91.4611% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 5,039 |
| Noncurrent loans to loans | 1.0981% | 4,834 |
| Net loans and leases to total assets | 71.5335% | 1,876 |
| Net loans and leases to deposits | 88.1102% | 1,486 |
| Net loans and leases to core deposits | 94.7206% | 1,820 |
| Total domestic deposits to total assets | 81.1865% | 5,464 |
| Equity capital to assets | 7.9636% | 6,705 |
| Core capital (leverage) ratio | 8.2551% | 5,938 |
| Tier 1 risk-based capital ratio | 12.8842% | 5,014 |
| Total risk-based capital ratio | 14.0283% | 5,081 |
| Memoranda: | ||
| Average total assets | $65,802,330 | 5,965 |
| Average earning assets | $61,570,000 | 5,904 |
| Average equity | $5,191,000 | 6,471 |
| Average total loans | $47,130,670 | 5,475 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4099% | 1,528 |
| Cost of funding earning assets | 0.8017% | 5,571 |
| Net interest margin | 4.6082% | 849 |
| Noninterest income to average assets | 0.6962% | 2,603 |
| Noninterest expense to average assets | 2.9193% | 3,987 |
| Loan and lease loss provision to assets | 0.1832% | 3,779 |
| Net operating income to assets | 1.9116% | 396 |
| Return on assets (ROA) | 1.9360% | 400 |
| Pretax return on assets | 1.9360% | 625 |
| Return on Equity (ROE) | 24.6597% | 176 |
| Retained earnings to average equity (ytd only) | -1.7114% | 6,103 |
| Net charge-offs to loans | -0.0514% | 6,895 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2217% | 6,242 |
| Assets per employee ($millions) | 3.4981% | 5,001 |
| Cash dividends to net income (ytd only)* | 106.9401% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 6,059 |
| Loan loss allowance to noncurrent loans | 64.2053% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.3361% | 4,295 |
| Noncurrent loans to loans | 1.7081% | 3,929 |
| Net loans and leases to total assets | 69.6061% | 2,200 |
| Net loans and leases to deposits | 85.4649% | 1,805 |
| Net loans and leases to core deposits | 89.7248% | 2,381 |
| Total domestic deposits to total assets | 81.4441% | 5,514 |
| Equity capital to assets | 7.7109% | 6,740 |
| Core capital (leverage) ratio | 8.3837% | 5,656 |
| Tier 1 risk-based capital ratio | 12.3569% | 5,388 |
| Total risk-based capital ratio | 13.5086% | 5,470 |
| Memoranda: | ||
| Average total assets | $65,496,000 | 6,012 |
| Average earning assets | $61,368,500 | 5,957 |
| Average equity | $5,142,000 | 6,507 |
| Average total loans | $46,700,500 | 5,537 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 1,805 |
| Cost of funding earning assets | 1.1915% | 4,614 |
| Net interest margin | 4.4346% | 1,389 |
| Noninterest income to average assets | 0.7526% | 2,527 |
| Noninterest expense to average assets | 2.8253% | 4,495 |
| Loan and lease loss provision to assets | 0.1280% | 5,887 |
| Net operating income to assets | 1.9493% | 308 |
| Return on assets (ROA) | 1.9493% | 323 |
| Pretax return on assets | 1.9493% | 544 |
| Return on Equity (ROE) | 24.5104% | 109 |
| Retained earnings to average equity (ytd only) | 3.3741% | 3,504 |
| Net charge-offs to loans | 0.0724% | 6,075 |
| Credit loss provision to net charge-offs | 251.5152% | 1,123 |
| Earnings coverage of net charge-offs (x) | 40.8182% | 574 |
| Efficiency ratio | 57.6282% | 6,383 |
| Assets per employee ($millions) | 3.2264% | 5,609 |
| Cash dividends to net income (ytd only)* | 86.2342% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 6,274 |
| Loan loss allowance to noncurrent loans | 80.0336% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.0616% | 4,883 |
| Noncurrent loans to loans | 1.2783% | 4,578 |
| Net loans and leases to total assets | 71.5162% | 2,198 |
| Net loans and leases to deposits | 88.5248% | 1,718 |
| Net loans and leases to core deposits | 93.1511% | 2,366 |
| Total domestic deposits to total assets | 80.7866% | 5,598 |
| Equity capital to assets | 7.9950% | 6,504 |
| Core capital (leverage) ratio | 8.4860% | 5,392 |
| Tier 1 risk-based capital ratio | 12.9203% | 4,665 |
| Total risk-based capital ratio | 14.0355% | 4,749 |
| Memoranda: | ||
| Average total assets | $64,842,400 | 6,037 |
| Average earning assets | $60,681,800 | 5,973 |
| Average equity | $5,157,000 | 6,616 |
| Average total loans | $45,591,800 | 5,678 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6184% | 1,999 |
| Cost of funding earning assets | 1.2563% | 4,530 |
| Net interest margin | 4.3620% | 1,638 |
| Noninterest income to average assets | 0.7742% | 2,360 |
| Noninterest expense to average assets | 2.7931% | 4,516 |
| Loan and lease loss provision to assets | 0.1088% | 5,944 |
| Net operating income to assets | 1.9510% | 367 |
| Return on assets (ROA) | 1.9510% | 403 |
| Pretax return on assets | 1.9510% | 703 |
| Return on Equity (ROE) | 24.5639% | 131 |
| Retained earnings to average equity (ytd only) | -2.0685% | 6,214 |
| Net charge-offs to loans | -0.0147% | 7,314 |
| Credit loss provision to net charge-offs | -1,060.0000% | 7,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5540% | 6,333 |
| Assets per employee ($millions) | 3.4599% | 5,079 |
| Cash dividends to net income (ytd only)* | 108.4207% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 6,194 |
| Loan loss allowance to noncurrent loans | 75.1938% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 4,920 |
| Noncurrent loans to loans | 1.3895% | 4,541 |
| Net loans and leases to total assets | 69.8759% | 2,760 |
| Net loans and leases to deposits | 86.2500% | 2,284 |
| Net loans and leases to core deposits | 91.5313% | 2,869 |
| Total domestic deposits to total assets | 81.0155% | 5,359 |
| Equity capital to assets | 7.8828% | 6,882 |
| Core capital (leverage) ratio | 8.0474% | 6,279 |
| Tier 1 risk-based capital ratio | 12.3472% | 5,119 |
| Total risk-based capital ratio | 13.4831% | 5,203 |
| Memoranda: | ||
| Average total assets | $64,921,000 | 6,102 |
| Average earning assets | $60,704,250 | 6,036 |
| Average equity | $5,156,500 | 6,697 |
| Average total loans | $45,333,500 | 5,773 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5805% | 2,206 |
| Cost of funding earning assets | 1.3018% | 4,528 |
| Net interest margin | 4.2788% | 1,857 |
| Noninterest income to average assets | 0.8013% | 2,107 |
| Noninterest expense to average assets | 2.7843% | 4,558 |
| Loan and lease loss provision to assets | 0.0712% | 6,238 |
| Net operating income to assets | 1.9521% | 359 |
| Return on assets (ROA) | 1.9521% | 394 |
| Pretax return on assets | 1.9521% | 661 |
| Return on Equity (ROE) | 24.5144% | 137 |
| Retained earnings to average equity (ytd only) | -6.5657% | 6,699 |
| Net charge-offs to loans | -0.0133% | 7,237 |
| Credit loss provision to net charge-offs | -766.6667% | 6,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9151% | 6,387 |
| Assets per employee ($millions) | 3.4528% | 5,030 |
| Cash dividends to net income (ytd only)* | 126.7829% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 6,424 |
| Loan loss allowance to noncurrent loans | 71.5640% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0792% | 4,973 |
| Noncurrent loans to loans | 1.3918% | 4,616 |
| Net loans and leases to total assets | 68.6376% | 3,209 |
| Net loans and leases to deposits | 84.6219% | 2,765 |
| Net loans and leases to core deposits | 88.9374% | 3,418 |
| Total domestic deposits to total assets | 81.1109% | 5,365 |
| Equity capital to assets | 7.8196% | 6,906 |
| Core capital (leverage) ratio | 7.9672% | 6,304 |
| Tier 1 risk-based capital ratio | 12.2721% | 5,059 |
| Total risk-based capital ratio | 13.3447% | 5,199 |
| Memoranda: | ||
| Average total assets | $64,648,670 | 6,155 |
| Average earning assets | $60,531,670 | 6,081 |
| Average equity | $5,148,000 | 6,729 |
| Average total loans | $44,971,330 | 5,822 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6092% | 2,108 |
| Cost of funding earning assets | 1.3241% | 4,663 |
| Net interest margin | 4.2851% | 1,733 |
| Noninterest income to average assets | 0.7293% | 2,408 |
| Noninterest expense to average assets | 2.7863% | 4,533 |
| Loan and lease loss provision to assets | 0.0312% | 6,365 |
| Net operating income to assets | 1.9261% | 395 |
| Return on assets (ROA) | 1.9261% | 433 |
| Pretax return on assets | 1.9261% | 697 |
| Return on Equity (ROE) | 23.9674% | 190 |
| Retained earnings to average equity (ytd only) | -3.1801% | 6,388 |
| Net charge-offs to loans | -0.1073% | 7,530 |
| Credit loss provision to net charge-offs | -41.6667% | 5,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7385% | 6,375 |
| Assets per employee ($millions) | 3.2824% | 5,577 |
| Cash dividends to net income (ytd only)* | 113.2686% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 6,515 |
| Loan loss allowance to noncurrent loans | 114.1388% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 5,775 |
| Noncurrent loans to loans | 0.8679% | 5,581 |
| Net loans and leases to total assets | 67.5969% | 3,487 |
| Net loans and leases to deposits | 83.3243% | 3,056 |
| Net loans and leases to core deposits | 88.0336% | 3,622 |
| Total domestic deposits to total assets | 81.1251% | 5,410 |
| Equity capital to assets | 7.8022% | 6,848 |
| Core capital (leverage) ratio | 8.1590% | 5,979 |
| Tier 1 risk-based capital ratio | 12.6449% | 4,604 |
| Total risk-based capital ratio | 13.7021% | 4,738 |
| Memoranda: | ||
| Average total assets | $64,171,000 | 6,237 |
| Average earning assets | $60,115,500 | 6,164 |
| Average equity | $5,157,000 | 6,800 |
| Average total loans | $44,716,000 | 5,903 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4728% | 713 |
| Cost of funding earning assets | 1.6946% | 4,539 |
| Net interest margin | 4.7782% | 724 |
| Noninterest income to average assets | 0.7589% | 2,626 |
| Noninterest expense to average assets | 3.1518% | 3,540 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.0933% | 186 |
| Return on assets (ROA) | 2.0933% | 201 |
| Pretax return on assets | 2.0933% | 341 |
| Return on Equity (ROE) | 25.4497% | 88 |
| Retained earnings to average equity (ytd only) | 3.1594% | 2,947 |
| Net charge-offs to loans | 0.1881% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 16.0122% | 1,275 |
| Efficiency ratio | 60.0912% | 6,481 |
| Assets per employee ($millions) | 3.4830% | 5,047 |
| Cash dividends to net income (ytd only)* | 87.5857% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 6,595 |
| Loan loss allowance to noncurrent loans | 164.8649% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 6,141 |
| Noncurrent loans to loans | 0.5806% | 6,081 |
| Net loans and leases to total assets | 70.4772% | 3,136 |
| Net loans and leases to deposits | 88.0565% | 2,548 |
| Net loans and leases to core deposits | 116.5893% | 2,258 |
| Total domestic deposits to total assets | 80.0364% | 5,663 |
| Equity capital to assets | 8.2815% | 6,221 |
| Core capital (leverage) ratio | 8.5089% | 5,268 |
| Tier 1 risk-based capital ratio | 12.6012% | 4,442 |
| Total risk-based capital ratio | 13.6066% | 4,597 |
| Memoranda: | ||
| Average total assets | $62,725,200 | 6,247 |
| Average earning assets | $58,892,600 | 6,172 |
| Average equity | $5,159,200 | 6,885 |
| Average total loans | $43,588,000 | 5,951 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6520% | 556 |
| Cost of funding earning assets | 1.7761% | 4,499 |
| Net interest margin | 4.8759% | 584 |
| Noninterest income to average assets | 0.7630% | 2,633 |
| Noninterest expense to average assets | 3.2412% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1020% | 235 |
| Return on assets (ROA) | 2.1020% | 257 |
| Pretax return on assets | 2.1020% | 441 |
| Return on Equity (ROE) | 25.5995% | 101 |
| Retained earnings to average equity (ytd only) | -2.6142% | 5,843 |
| Net charge-offs to loans | -0.2461% | 7,986 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6603% | 6,328 |
| Assets per employee ($millions) | 3.3310% | 5,303 |
| Cash dividends to net income (ytd only)* | 110.2129% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 4,519 |
| Loan loss allowance to noncurrent loans | 86.4905% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 4,927 |
| Noncurrent loans to loans | 1.5003% | 4,412 |
| Net loans and leases to total assets | 70.7880% | 3,315 |
| Net loans and leases to deposits | 88.0869% | 2,937 |
| Net loans and leases to core deposits | 116.2786% | 2,593 |
| Total domestic deposits to total assets | 80.3615% | 5,306 |
| Equity capital to assets | 7.9429% | 6,899 |
| Core capital (leverage) ratio | 8.1341% | 6,128 |
| Tier 1 risk-based capital ratio | 11.7692% | 5,176 |
| Total risk-based capital ratio | 13.0204% | 5,123 |
| Memoranda: | ||
| Average total assets | $62,733,000 | 6,286 |
| Average earning assets | $58,928,250 | 6,220 |
| Average equity | $5,151,000 | 6,952 |
| Average total loans | $43,332,000 | 6,008 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9766% | 330 |
| Cost of funding earning assets | 1.8243% | 4,640 |
| Net interest margin | 5.1523% | 327 |
| Noninterest income to average assets | 0.7738% | 2,561 |
| Noninterest expense to average assets | 3.4342% | 2,524 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1711% | 208 |
| Return on assets (ROA) | 2.1711% | 228 |
| Pretax return on assets | 2.1711% | 383 |
| Return on Equity (ROE) | 26.1540% | 118 |
| Retained earnings to average equity (ytd only) | -5.6237% | 6,397 |
| Net charge-offs to loans | -0.4127% | 8,092 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2664% | 6,356 |
| Assets per employee ($millions) | 3.3085% | 5,297 |
| Cash dividends to net income (ytd only)* | 121.5022% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 3,968 |
| Loan loss allowance to noncurrent loans | 108.3485% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 5,238 |
| Noncurrent loans to loans | 1.2482% | 4,710 |
| Net loans and leases to total assets | 69.2756% | 3,884 |
| Net loans and leases to deposits | 86.1825% | 3,521 |
| Net loans and leases to core deposits | 114.3532% | 2,872 |
| Total domestic deposits to total assets | 80.3824% | 5,323 |
| Equity capital to assets | 8.0557% | 6,681 |
| Core capital (leverage) ratio | 8.1477% | 6,082 |
| Tier 1 risk-based capital ratio | 12.6356% | 4,408 |
| Total risk-based capital ratio | 13.8834% | 4,334 |
| Memoranda: | ||
| Average total assets | $62,547,670 | 6,353 |
| Average earning assets | $58,653,330 | 6,282 |
| Average equity | $5,192,330 | 6,998 |
| Average total loans | $42,646,000 | 6,083 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1742% | 1,674 |
| Cost of funding earning assets | 1.8687% | 4,795 |
| Net interest margin | 4.3055% | 1,589 |
| Noninterest income to average assets | 0.7822% | 2,417 |
| Noninterest expense to average assets | 2.8722% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9426% | 386 |
| Return on assets (ROA) | 1.9426% | 439 |
| Pretax return on assets | 1.9426% | 738 |
| Return on Equity (ROE) | 23.0572% | 262 |
| Retained earnings to average equity (ytd only) | -3.9570% | 6,423 |
| Net charge-offs to loans | -0.1241% | 7,935 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6538% | 6,448 |
| Assets per employee ($millions) | 3.6694% | 4,405 |
| Cash dividends to net income (ytd only)* | 117.1617% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 4,265 |
| Loan loss allowance to noncurrent loans | 58.9831% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.4187% | 3,813 |
| Noncurrent loans to loans | 2.1552% | 3,044 |
| Net loans and leases to total assets | 64.9904% | 4,814 |
| Net loans and leases to deposits | 80.1506% | 4,588 |
| Net loans and leases to core deposits | 105.3506% | 3,988 |
| Total domestic deposits to total assets | 81.0853% | 4,931 |
| Equity capital to assets | 8.3713% | 6,283 |
| Core capital (leverage) ratio | 8.3455% | 5,822 |
| Tier 1 risk-based capital ratio | 13.3738% | 3,941 |
| Total risk-based capital ratio | 14.6260% | 3,852 |
| Memoranda: | ||
| Average total assets | $62,390,500 | 6,383 |
| Average earning assets | $58,436,500 | 6,327 |
| Average equity | $5,256,500 | 7,035 |
| Average total loans | $41,896,500 | 6,150 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9995% | 1,129 |
| Cost of funding earning assets | 2.4556% | 4,442 |
| Net interest margin | 4.5438% | 1,324 |
| Noninterest income to average assets | 0.8403% | 2,296 |
| Noninterest expense to average assets | 2.9360% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1418% | 264 |
| Return on assets (ROA) | 2.1517% | 256 |
| Pretax return on assets | 2.1517% | 437 |
| Return on Equity (ROE) | 27.5411% | 88 |
| Retained earnings to average equity (ytd only) | -0.0633% | 5,279 |
| Net charge-offs to loans | 0.0171% | 6,633 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 185.7143% | 253 |
| Efficiency ratio | 57.2680% | 6,825 |
| Assets per employee ($millions) | 3.2843% | 5,249 |
| Cash dividends to net income (ytd only)* | 100.2297% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 4,612 |
| Loan loss allowance to noncurrent loans | 112.1145% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 5,049 |
| Noncurrent loans to loans | 1.0625% | 4,450 |
| Net loans and leases to total assets | 67.6608% | 4,524 |
| Net loans and leases to deposits | 86.5362% | 4,026 |
| Net loans and leases to core deposits | 117.6630% | 2,928 |
| Total domestic deposits to total assets | 78.1878% | 5,646 |
| Equity capital to assets | 8.4790% | 6,121 |
| Core capital (leverage) ratio | 8.4344% | 5,690 |
| Tier 1 risk-based capital ratio | 13.0403% | 4,088 |
| Total risk-based capital ratio | 14.2918% | 3,994 |
| Memoranda: | ||
| Average total assets | $60,695,600 | 6,363 |
| Average earning assets | $56,604,200 | 6,318 |
| Average equity | $4,742,000 | 7,233 |
| Average total loans | $40,900,000 | 6,126 |