Home > Bank Northwest > Performance and Condition Ratios
Bank Northwest, 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 | 6.9235% | 369 |
| Cost of funding earning assets | 1.5223% | 3,147 |
| Net interest margin | 5.4012% | 177 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 2.3859% | 2,620 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 2.8735% | 153 |
| Return on assets (ROA) | 2.8735% | 156 |
| Pretax return on assets | 2.8735% | 209 |
| Return on Equity (ROE) | 30.0500% | 111 |
| Retained earnings to average equity (ytd only) | -65.9235% | 4,473 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 44.4921% | 4,154 |
| Assets per employee ($millions) | 5.3776% | 3,413 |
| Cash dividends to net income (ytd only)* | 319.3613% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,168 |
| Loan loss allowance to noncurrent loans | 867.8756% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,060 |
| Noncurrent loans to loans | 0.1163% | 3,086 |
| Net loans and leases to total assets | 78.3000% | 802 |
| Net loans and leases to deposits | 86.0153% | 1,488 |
| Net loans and leases to core deposits | 92.4146% | 1,878 |
| Total domestic deposits to total assets | 91.0300% | 511 |
| Equity capital to assets | 8.7948% | 3,079 |
| Core capital (leverage) ratio | 9.1242% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $209,225,000 | 2,958 |
| Average earning assets | $196,548,000 | 2,938 |
| Average equity | $20,005,000 | 3,004 |
| Average total loans | $164,465,000 | 2,650 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8222% | 489 |
| Cost of funding earning assets | 1.5825% | 3,203 |
| Net interest margin | 5.2398% | 245 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 2.3384% | 2,757 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 2.7703% | 171 |
| Return on assets (ROA) | 2.7703% | 171 |
| Pretax return on assets | 2.7703% | 231 |
| Return on Equity (ROE) | 28.9700% | 116 |
| Retained earnings to average equity (ytd only) | 5.7083% | 1,936 |
| Net charge-offs to loans | 0.0195% | 2,226 |
| Credit loss provision to net charge-offs | 562.5000% | 588 |
| Earnings coverage of net charge-offs (x) | 184.2188% | 537 |
| Efficiency ratio | 44.8269% | 4,208 |
| Assets per employee ($millions) | 5.3519% | 3,401 |
| Cash dividends to net income (ytd only)* | 80.2975% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,236 |
| Loan loss allowance to noncurrent loans | 1,393.1624% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,269 |
| Noncurrent loans to loans | 0.0718% | 3,290 |
| Net loans and leases to total assets | 77.3300% | 974 |
| Net loans and leases to deposits | 86.3796% | 1,558 |
| Net loans and leases to core deposits | 91.6898% | 1,989 |
| Total domestic deposits to total assets | 89.5200% | 975 |
| Equity capital to assets | 10.3319% | 1,942 |
| Core capital (leverage) ratio | 10.7319% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $206,292,000 | 2,958 |
| Average earning assets | $193,558,400 | 2,933 |
| Average equity | $19,725,600 | 2,992 |
| Average total loans | $164,313,400 | 2,618 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8139% | 478 |
| Cost of funding earning assets | 1.5706% | 3,225 |
| Net interest margin | 5.2432% | 245 |
| Noninterest income to average assets | 0.2800% | 3,175 |
| Noninterest expense to average assets | 2.3025% | 2,791 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 2.8049% | 166 |
| Return on assets (ROA) | 2.8049% | 169 |
| Pretax return on assets | 2.8049% | 236 |
| Return on Equity (ROE) | 29.9500% | 114 |
| Retained earnings to average equity (ytd only) | -0.9827% | 4,134 |
| Net charge-offs to loans | 0.0032% | 2,613 |
| Credit loss provision to net charge-offs | 3,375.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 1,115.5000% | 99 |
| Efficiency ratio | 44.1477% | 4,229 |
| Assets per employee ($millions) | 4.8934% | 3,718 |
| Cash dividends to net income (ytd only)* | 103.2817% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 3,285 |
| Loan loss allowance to noncurrent loans | 240.7463% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 1,882 |
| Noncurrent loans to loans | 0.4129% | 2,043 |
| Net loans and leases to total assets | 80.0800% | 617 |
| Net loans and leases to deposits | 89.6501% | 1,277 |
| Net loans and leases to core deposits | 95.9167% | 1,759 |
| Total domestic deposits to total assets | 89.3300% | 795 |
| Equity capital to assets | 10.2129% | 2,154 |
| Core capital (leverage) ratio | 10.3741% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $205,684,250 | 2,952 |
| Average earning assets | $192,955,000 | 2,931 |
| Average equity | $19,265,750 | 3,021 |
| Average total loans | $164,632,250 | 2,611 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7181% | 493 |
| Cost of funding earning assets | 1.4583% | 3,377 |
| Net interest margin | 5.2598% | 245 |
| Noninterest income to average assets | 0.2700% | 3,207 |
| Noninterest expense to average assets | 2.3060% | 2,778 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 2.8085% | 176 |
| Return on assets (ROA) | 2.8085% | 179 |
| Pretax return on assets | 2.8085% | 242 |
| Return on Equity (ROE) | 30.8800% | 120 |
| Retained earnings to average equity (ytd only) | -13.6602% | 4,471 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 44.1498% | 4,245 |
| Assets per employee ($millions) | 5.0270% | 3,595 |
| Cash dividends to net income (ytd only)* | 144.2308% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 3,509 |
| Loan loss allowance to noncurrent loans | 1,076.7123% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,185 |
| Noncurrent loans to loans | 0.0884% | 3,214 |
| Net loans and leases to total assets | 79.4100% | 745 |
| Net loans and leases to deposits | 93.3645% | 994 |
| Net loans and leases to core deposits | 99.8250% | 1,496 |
| Total domestic deposits to total assets | 85.0500% | 2,304 |
| Equity capital to assets | 9.1836% | 2,617 |
| Core capital (leverage) ratio | 9.6959% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $207,369,667 | 2,946 |
| Average earning assets | $194,341,333 | 2,924 |
| Average equity | $18,857,667 | 3,028 |
| Average total loans | $165,415,333 | 2,605 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0190% | 6 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19,597.0000% | 37 |
| Cost of funding earning assets | 45.0000% | 22 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 2.7250% | 208 |
| Pretax return on assets | 2.7250% | 282 |
| Return on Equity (ROE) | 30.1100% | 142 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 9.2395% | 1,679 |
| Efficiency ratio | 2.4385% | 4,552 |
| Assets per employee ($millions) | 0.0000% | 4,558 |
| Cash dividends to net income (ytd only)* | 140.0000% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 4.0000% | 40 |
| Noncurrent loans to loans | 0.0031% | 3,798 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 9,457.0000% | 20 |
| Total domestic deposits to total assets | 216.0000% | 15 |
| Equity capital to assets | 13,485.0000% | 32 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $258,000 | 4,588 |
| Average earning assets | $24,292 | 4,531 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8507% | 775 |
| Cost of funding earning assets | 0.9430% | 3,427 |
| Net interest margin | 4.9077% | 360 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.1547% | 3,242 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.7125% | 205 |
| Return on assets (ROA) | 2.7125% | 202 |
| Pretax return on assets | 2.7125% | 277 |
| Return on Equity (ROE) | 30.1700% | 179 |
| Retained earnings to average equity (ytd only) | 9.8861% | 1,045 |
| Net charge-offs to loans | -0.0136% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.2297% | 4,278 |
| Assets per employee ($millions) | 4.7945% | 3,778 |
| Cash dividends to net income (ytd only)* | 67.2287% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 3,709 |
| Loan loss allowance to noncurrent loans | 504.0816% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 2,594 |
| Noncurrent loans to loans | 0.1784% | 2,628 |
| Net loans and leases to total assets | 77.4100% | 925 |
| Net loans and leases to deposits | 91.0465% | 1,179 |
| Net loans and leases to core deposits | 95.9468% | 1,657 |
| Total domestic deposits to total assets | 85.0300% | 2,302 |
| Equity capital to assets | 9.5914% | 2,280 |
| Core capital (leverage) ratio | 10.1125% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $201,139,200 | 2,985 |
| Average earning assets | $187,481,200 | 2,962 |
| Average equity | $18,086,000 | 3,005 |
| Average total loans | $154,048,600 | 2,643 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6800% | 813 |
| Cost of funding earning assets | 0.7968% | 3,527 |
| Net interest margin | 4.8833% | 365 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1259% | 3,281 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 2.6628% | 230 |
| Return on assets (ROA) | 2.6628% | 228 |
| Pretax return on assets | 2.6628% | 328 |
| Return on Equity (ROE) | 30.1500% | 224 |
| Retained earnings to average equity (ytd only) | 4.1483% | 3,218 |
| Net charge-offs to loans | -0.0150% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.3228% | 4,258 |
| Assets per employee ($millions) | 4.7944% | 3,744 |
| Cash dividends to net income (ytd only)* | 86.2399% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 3,806 |
| Loan loss allowance to noncurrent loans | 675.9434% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 2,889 |
| Noncurrent loans to loans | 0.1298% | 2,903 |
| Net loans and leases to total assets | 78.5000% | 822 |
| Net loans and leases to deposits | 97.0188% | 681 |
| Net loans and leases to core deposits | 101.7382% | 1,229 |
| Total domestic deposits to total assets | 80.9200% | 3,398 |
| Equity capital to assets | 8.9368% | 2,456 |
| Core capital (leverage) ratio | 9.8829% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $198,684,250 | 3,008 |
| Average earning assets | $185,581,000 | 2,984 |
| Average equity | $17,549,000 | 3,035 |
| Average total loans | $151,362,250 | 2,671 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4877% | 843 |
| Cost of funding earning assets | 0.6306% | 3,679 |
| Net interest margin | 4.8571% | 368 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.1591% | 3,191 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.6046% | 219 |
| Return on assets (ROA) | 2.6046% | 217 |
| Pretax return on assets | 2.6046% | 308 |
| Return on Equity (ROE) | 29.6100% | 218 |
| Retained earnings to average equity (ytd only) | -10.0479% | 4,512 |
| Net charge-offs to loans | -0.0163% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.2158% | 4,243 |
| Assets per employee ($millions) | 5.2717% | 3,343 |
| Cash dividends to net income (ytd only)* | 133.9335% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 3,747 |
| Loan loss allowance to noncurrent loans | 514.1264% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 2,607 |
| Noncurrent loans to loans | 0.1770% | 2,594 |
| Net loans and leases to total assets | 75.1800% | 1,140 |
| Net loans and leases to deposits | 88.0076% | 1,346 |
| Net loans and leases to core deposits | 91.6924% | 1,704 |
| Total domestic deposits to total assets | 85.4200% | 2,416 |
| Equity capital to assets | 8.6076% | 2,771 |
| Core capital (leverage) ratio | 9.5538% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $196,193,000 | 3,026 |
| Average earning assets | $182,990,667 | 3,008 |
| Average equity | $17,257,333 | 3,082 |
| Average total loans | $147,392,000 | 2,701 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 798 |
| Cost of funding earning assets | 0.5420% | 3,559 |
| Net interest margin | 4.7883% | 378 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.2150% | 3,064 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 2.5797% | 224 |
| Return on assets (ROA) | 2.5797% | 220 |
| Pretax return on assets | 2.5797% | 325 |
| Return on Equity (ROE) | 29.0100% | 255 |
| Retained earnings to average equity (ytd only) | -43.5113% | 4,661 |
| Net charge-offs to loans | -0.0303% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.0253% | 4,266 |
| Assets per employee ($millions) | 4.5158% | 4,014 |
| Cash dividends to net income (ytd only)* | 250.0000% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 3,821 |
| Loan loss allowance to noncurrent loans | 477.5000% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,481 |
| Noncurrent loans to loans | 0.1913% | 2,516 |
| Net loans and leases to total assets | 76.4800% | 928 |
| Net loans and leases to deposits | 84.0655% | 1,496 |
| Net loans and leases to core deposits | 86.7502% | 1,820 |
| Total domestic deposits to total assets | 90.9800% | 809 |
| Equity capital to assets | 8.6691% | 2,765 |
| Core capital (leverage) ratio | 8.9383% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $194,127,500 | 3,073 |
| Average earning assets | $182,277,500 | 3,051 |
| Average equity | $17,264,500 | 3,111 |
| Average total loans | $145,095,000 | 2,752 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 689 |
| Cost of funding earning assets | 0.2828% | 3,016 |
| Net interest margin | 4.2428% | 480 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.1379% | 3,199 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 2.0590% | 265 |
| Return on assets (ROA) | 2.0590% | 257 |
| Pretax return on assets | 2.0590% | 415 |
| Return on Equity (ROE) | 23.2200% | 270 |
| Retained earnings to average equity (ytd only) | 2.7374% | 3,790 |
| Net charge-offs to loans | -0.0136% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.4958% | 4,155 |
| Assets per employee ($millions) | 5.2261% | 3,491 |
| Cash dividends to net income (ytd only)* | 88.2135% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 3,811 |
| Loan loss allowance to noncurrent loans | 781.0976% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 2,973 |
| Noncurrent loans to loans | 0.1140% | 2,955 |
| Net loans and leases to total assets | 71.7600% | 1,445 |
| Net loans and leases to deposits | 79.0032% | 1,846 |
| Net loans and leases to core deposits | 81.6384% | 2,034 |
| Total domestic deposits to total assets | 90.8400% | 1,013 |
| Equity capital to assets | 9.1076% | 2,289 |
| Core capital (leverage) ratio | 10.2369% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $196,547,400 | 3,062 |
| Average earning assets | $183,511,400 | 3,047 |
| Average equity | $17,425,600 | 3,171 |
| Average total loans | $132,089,400 | 2,802 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 581 |
| Cost of funding earning assets | 0.2705% | 2,479 |
| Net interest margin | 4.1342% | 483 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.9193% | 3,702 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 2.1655% | 221 |
| Return on assets (ROA) | 2.1655% | 219 |
| Pretax return on assets | 2.1655% | 342 |
| Return on Equity (ROE) | 24.6000% | 198 |
| Retained earnings to average equity (ytd only) | -1.8230% | 4,481 |
| Net charge-offs to loans | 0.0031% | 2,118 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,106.3333% | 132 |
| Efficiency ratio | 45.5952% | 4,399 |
| Assets per employee ($millions) | 4.7375% | 3,882 |
| Cash dividends to net income (ytd only)* | 107.4121% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 3,803 |
| Loan loss allowance to noncurrent loans | 671.2707% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 2,970 |
| Noncurrent loans to loans | 0.1368% | 2,952 |
| Net loans and leases to total assets | 70.9700% | 1,395 |
| Net loans and leases to deposits | 78.9467% | 1,639 |
| Net loans and leases to core deposits | 82.0613% | 1,759 |
| Total domestic deposits to total assets | 89.9000% | 1,708 |
| Equity capital to assets | 9.1967% | 2,087 |
| Core capital (leverage) ratio | 9.8750% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $196,036,000 | 3,088 |
| Average earning assets | $182,859,250 | 3,071 |
| Average equity | $17,260,250 | 3,218 |
| Average total loans | $129,162,250 | 2,837 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 587 |
| Cost of funding earning assets | 0.2717% | 2,006 |
| Net interest margin | 3.9625% | 535 |
| Noninterest income to average assets | 0.2983% | 3,380 |
| Noninterest expense to average assets | 1.8539% | 3,830 |
| Loan and lease loss provision to assets | 0.0901% | 1,099 |
| Net operating income to assets | 2.0631% | 201 |
| Return on assets (ROA) | 2.0631% | 204 |
| Pretax return on assets | 2.0631% | 331 |
| Return on Equity (ROE) | 23.7584% | 144 |
| Retained earnings to average equity (ytd only) | -13.9369% | 4,698 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8906% | 4,457 |
| Assets per employee ($millions) | 5.6385% | 3,099 |
| Cash dividends to net income (ytd only)* | 158.6608% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 3,916 |
| Loan loss allowance to noncurrent loans | 505.6034% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 2,863 |
| Noncurrent loans to loans | 0.1808% | 2,790 |
| Net loans and leases to total assets | 66.3290% | 1,651 |
| Net loans and leases to deposits | 72.7661% | 1,974 |
| Net loans and leases to core deposits | 75.2575% | 2,068 |
| Total domestic deposits to total assets | 91.1537% | 1,162 |
| Equity capital to assets | 8.7482% | 2,572 |
| Core capital (leverage) ratio | 8.8857% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,794,000 | 3,099 |
| Average earning assets | $187,004,667 | 3,088 |
| Average equity | $17,349,667 | 3,289 |
| Average total loans | $128,103,000 | 2,866 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 724 |
| Cost of funding earning assets | 0.2758% | 1,864 |
| Net interest margin | 3.7565% | 679 |
| Noninterest income to average assets | 0.2983% | 3,333 |
| Noninterest expense to average assets | 1.8485% | 3,815 |
| Loan and lease loss provision to assets | 0.0883% | 936 |
| Net operating income to assets | 1.8623% | 291 |
| Return on assets (ROA) | 1.8623% | 290 |
| Pretax return on assets | 1.8623% | 482 |
| Return on Equity (ROE) | 21.5205% | 178 |
| Retained earnings to average equity (ytd only) | -46.5106% | 4,775 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2438% | 4,390 |
| Assets per employee ($millions) | 7.2031% | 1,856 |
| Cash dividends to net income (ytd only)* | 316.1222% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,031 |
| Loan loss allowance to noncurrent loans | 430.5344% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 2,891 |
| Noncurrent loans to loans | 0.2103% | 2,770 |
| Net loans and leases to total assets | 61.2224% | 1,941 |
| Net loans and leases to deposits | 66.6431% | 2,279 |
| Net loans and leases to core deposits | 69.2000% | 2,362 |
| Total domestic deposits to total assets | 91.8661% | 630 |
| Equity capital to assets | 8.0591% | 3,522 |
| Core capital (leverage) ratio | 8.1525% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,837,000 | 3,080 |
| Average earning assets | $189,966,000 | 3,081 |
| Average equity | $17,639,000 | 3,353 |
| Average total loans | $127,989,000 | 2,870 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 227 |
| Cost of funding earning assets | 0.3683% | 1,776 |
| Net interest margin | 4.7405% | 192 |
| Noninterest income to average assets | 0.2901% | 3,657 |
| Noninterest expense to average assets | 1.9058% | 3,910 |
| Loan and lease loss provision to assets | 0.0903% | 1,377 |
| Net operating income to assets | 2.7058% | 129 |
| Return on assets (ROA) | 2.7058% | 132 |
| Pretax return on assets | 2.7058% | 201 |
| Return on Equity (ROE) | 29.9623% | 71 |
| Retained earnings to average equity (ytd only) | 13.4277% | 355 |
| Net charge-offs to loans | 0.0617% | 1,162 |
| Credit loss provision to net charge-offs | 222.2222% | 1,244 |
| Earnings coverage of net charge-offs (x) | 68.7778% | 1,086 |
| Efficiency ratio | 40.1687% | 4,685 |
| Assets per employee ($millions) | 5.4207% | 3,333 |
| Cash dividends to net income (ytd only)* | 55.1846% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,225 |
| Loan loss allowance to noncurrent loans | 508.4507% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 3,212 |
| Noncurrent loans to loans | 0.1621% | 3,129 |
| Net loans and leases to total assets | 63.2513% | 1,791 |
| Net loans and leases to deposits | 69.7387% | 2,157 |
| Net loans and leases to core deposits | 72.3841% | 2,225 |
| Total domestic deposits to total assets | 90.6975% | 623 |
| Equity capital to assets | 9.2355% | 3,383 |
| Core capital (leverage) ratio | 9.5495% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,235,400 | 3,071 |
| Average earning assets | $185,424,600 | 3,059 |
| Average equity | $17,992,600 | 3,386 |
| Average total loans | $131,340,000 | 2,840 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4165% | 165 |
| Cost of funding earning assets | 0.4001% | 1,695 |
| Net interest margin | 5.0164% | 154 |
| Noninterest income to average assets | 0.2902% | 3,718 |
| Noninterest expense to average assets | 1.9202% | 3,894 |
| Loan and lease loss provision to assets | 0.0911% | 1,312 |
| Net operating income to assets | 2.9494% | 131 |
| Return on assets (ROA) | 2.9494% | 130 |
| Pretax return on assets | 2.9494% | 183 |
| Return on Equity (ROE) | 32.8537% | 70 |
| Retained earnings to average equity (ytd only) | 10.4876% | 1,179 |
| Net charge-offs to loans | 0.0792% | 874 |
| Credit loss provision to net charge-offs | 173.0769% | 1,277 |
| Earnings coverage of net charge-offs (x) | 57.7564% | 1,152 |
| Efficiency ratio | 38.3537% | 4,759 |
| Assets per employee ($millions) | 4.7717% | 3,910 |
| Cash dividends to net income (ytd only)* | 68.0778% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 4,406 |
| Loan loss allowance to noncurrent loans | 416.4000% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 3,240 |
| Noncurrent loans to loans | 0.1829% | 3,214 |
| Net loans and leases to total assets | 71.0579% | 981 |
| Net loans and leases to deposits | 78.6092% | 1,425 |
| Net loans and leases to core deposits | 82.1607% | 1,558 |
| Total domestic deposits to total assets | 90.3938% | 604 |
| Equity capital to assets | 9.4773% | 3,396 |
| Core capital (leverage) ratio | 9.1703% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,547,250 | 3,119 |
| Average earning assets | $183,927,000 | 3,106 |
| Average equity | $17,734,750 | 3,450 |
| Average total loans | $131,331,750 | 2,874 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8270% | 113 |
| Cost of funding earning assets | 0.4279% | 1,672 |
| Net interest margin | 5.3991% | 111 |
| Noninterest income to average assets | 0.2633% | 3,818 |
| Noninterest expense to average assets | 1.8301% | 4,121 |
| Loan and lease loss provision to assets | 0.0901% | 1,382 |
| Net operating income to assets | 3.3828% | 97 |
| Return on assets (ROA) | 3.3828% | 97 |
| Pretax return on assets | 3.3828% | 128 |
| Return on Equity (ROE) | 38.3614% | 52 |
| Retained earnings to average equity (ytd only) | 8.5601% | 1,870 |
| Net charge-offs to loans | 0.1127% | 682 |
| Credit loss provision to net charge-offs | 123.2877% | 1,246 |
| Earnings coverage of net charge-offs (x) | 47.5205% | 1,090 |
| Efficiency ratio | 34.1703% | 4,869 |
| Assets per employee ($millions) | 4.8996% | 3,748 |
| Cash dividends to net income (ytd only)* | 77.6857% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7616% | 4,434 |
| Loan loss allowance to noncurrent loans | 377.7358% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 3,035 |
| Noncurrent loans to loans | 0.2016% | 3,235 |
| Net loans and leases to total assets | 66.5537% | 1,626 |
| Net loans and leases to deposits | 73.1686% | 2,081 |
| Net loans and leases to core deposits | 76.3544% | 2,202 |
| Total domestic deposits to total assets | 90.9594% | 389 |
| Equity capital to assets | 8.9339% | 3,852 |
| Core capital (leverage) ratio | 8.4210% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,774,000 | 3,103 |
| Average earning assets | $186,475,667 | 3,095 |
| Average equity | $17,616,667 | 3,463 |
| Average total loans | $129,553,333 | 2,908 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4624% | 67 |
| Cost of funding earning assets | 0.4374% | 1,817 |
| Net interest margin | 6.0250% | 65 |
| Noninterest income to average assets | 0.2440% | 3,933 |
| Noninterest expense to average assets | 1.8208% | 4,171 |
| Loan and lease loss provision to assets | 0.0893% | 1,484 |
| Net operating income to assets | 3.9887% | 80 |
| Return on assets (ROA) | 3.9887% | 82 |
| Pretax return on assets | 3.9887% | 104 |
| Return on Equity (ROE) | 45.5222% | 41 |
| Retained earnings to average equity (ytd only) | 38.7312% | 38 |
| Net charge-offs to loans | 0.0964% | 703 |
| Credit loss provision to net charge-offs | 145.1613% | 992 |
| Earnings coverage of net charge-offs (x) | 66.3226% | 777 |
| Efficiency ratio | 30.5649% | 4,904 |
| Assets per employee ($millions) | 5.3161% | 3,312 |
| Cash dividends to net income (ytd only)* | 14.9180% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 4,473 |
| Loan loss allowance to noncurrent loans | 304.8930% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 3,285 |
| Noncurrent loans to loans | 0.2495% | 3,203 |
| Net loans and leases to total assets | 64.3746% | 1,997 |
| Net loans and leases to deposits | 70.9295% | 2,424 |
| Net loans and leases to core deposits | 73.9169% | 2,522 |
| Total domestic deposits to total assets | 90.7585% | 491 |
| Equity capital to assets | 9.1499% | 3,543 |
| Core capital (leverage) ratio | 8.8603% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,669,500 | 3,078 |
| Average earning assets | $189,279,000 | 3,057 |
| Average equity | $17,670,500 | 3,454 |
| Average total loans | $128,612,500 | 2,917 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0443% | 448 |
| Cost of funding earning assets | 0.5874% | 2,401 |
| Net interest margin | 4.4568% | 355 |
| Noninterest income to average assets | 0.3194% | 3,546 |
| Noninterest expense to average assets | 1.9882% | 4,160 |
| Loan and lease loss provision to assets | 0.0836% | 3,335 |
| Net operating income to assets | 2.3667% | 158 |
| Return on assets (ROA) | 2.3667% | 170 |
| Pretax return on assets | 2.3667% | 230 |
| Return on Equity (ROE) | 26.5804% | 92 |
| Retained earnings to average equity (ytd only) | -3.2490% | 4,776 |
| Net charge-offs to loans | 0.0366% | 2,319 |
| Credit loss provision to net charge-offs | 326.0870% | 1,654 |
| Earnings coverage of net charge-offs (x) | 95.5652% | 809 |
| Efficiency ratio | 44.7947% | 4,765 |
| Assets per employee ($millions) | 5.2981% | 3,049 |
| Cash dividends to net income (ytd only)* | 112.2233% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7798% | 4,462 |
| Loan loss allowance to noncurrent loans | 470.8134% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 3,785 |
| Noncurrent loans to loans | 0.1656% | 3,615 |
| Net loans and leases to total assets | 62.1872% | 2,585 |
| Net loans and leases to deposits | 67.9211% | 3,087 |
| Net loans and leases to core deposits | 70.8656% | 3,188 |
| Total domestic deposits to total assets | 91.5580% | 124 |
| Equity capital to assets | 8.3730% | 4,536 |
| Core capital (leverage) ratio | 8.4464% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,409,400 | 3,111 |
| Average earning assets | $165,812,200 | 3,114 |
| Average equity | $15,974,200 | 3,552 |
| Average total loans | $125,611,400 | 2,916 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 297 |
| Cost of funding earning assets | 0.6243% | 2,464 |
| Net interest margin | 4.7447% | 232 |
| Noninterest income to average assets | 0.3319% | 3,498 |
| Noninterest expense to average assets | 2.0214% | 4,105 |
| Loan and lease loss provision to assets | 0.0805% | 3,304 |
| Net operating income to assets | 2.5933% | 130 |
| Return on assets (ROA) | 2.5933% | 136 |
| Pretax return on assets | 2.5933% | 184 |
| Return on Equity (ROE) | 28.6321% | 75 |
| Retained earnings to average equity (ytd only) | -10.6386% | 4,935 |
| Net charge-offs to loans | 0.0064% | 2,903 |
| Credit loss provision to net charge-offs | 1,750.0000% | 540 |
| Earnings coverage of net charge-offs (x) | 581.3333% | 205 |
| Efficiency ratio | 43.0531% | 4,828 |
| Assets per employee ($millions) | 4.6736% | 3,632 |
| Cash dividends to net income (ytd only)* | 137.1564% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 4,560 |
| Loan loss allowance to noncurrent loans | 802.4590% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,105 |
| Noncurrent loans to loans | 0.0888% | 4,012 |
| Net loans and leases to total assets | 74.8771% | 1,257 |
| Net loans and leases to deposits | 84.8577% | 1,823 |
| Net loans and leases to core deposits | 89.1141% | 2,051 |
| Total domestic deposits to total assets | 88.2385% | 1,096 |
| Equity capital to assets | 8.8653% | 4,207 |
| Core capital (leverage) ratio | 8.6807% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,930,250 | 3,143 |
| Average earning assets | $159,950,750 | 3,153 |
| Average equity | $15,753,500 | 3,581 |
| Average total loans | $125,468,500 | 2,920 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6481% | 257 |
| Cost of funding earning assets | 0.6637% | 2,603 |
| Net interest margin | 4.9844% | 213 |
| Noninterest income to average assets | 0.3401% | 3,438 |
| Noninterest expense to average assets | 1.9725% | 4,290 |
| Loan and lease loss provision to assets | 0.0701% | 3,416 |
| Net operating income to assets | 2.8607% | 100 |
| Return on assets (ROA) | 2.8607% | 103 |
| Pretax return on assets | 2.8607% | 136 |
| Return on Equity (ROE) | 31.3478% | 53 |
| Retained earnings to average equity (ytd only) | -23.7157% | 5,018 |
| Net charge-offs to loans | 0.0099% | 2,594 |
| Credit loss provision to net charge-offs | 1,000.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 239 |
| Efficiency ratio | 40.2288% | 4,912 |
| Assets per employee ($millions) | 4.9643% | 3,210 |
| Cash dividends to net income (ytd only)* | 175.6536% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 4,604 |
| Loan loss allowance to noncurrent loans | 784.8739% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 3,997 |
| Noncurrent loans to loans | 0.0867% | 4,113 |
| Net loans and leases to total assets | 76.2710% | 1,092 |
| Net loans and leases to deposits | 83.6645% | 2,026 |
| Net loans and leases to core deposits | 87.5030% | 2,305 |
| Total domestic deposits to total assets | 91.1630% | 118 |
| Equity capital to assets | 8.7066% | 4,346 |
| Core capital (leverage) ratio | 8.5460% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5380% | 2,799 |
| Memoranda: | ||
| Average total assets | $171,149,667 | 3,148 |
| Average earning assets | $156,689,667 | 3,167 |
| Average equity | $15,618,333 | 3,594 |
| Average total loans | $121,471,667 | 2,963 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 900 |
| Cost of funding earning assets | 0.7140% | 2,872 |
| Net interest margin | 4.3211% | 730 |
| Noninterest income to average assets | 0.3872% | 3,190 |
| Noninterest expense to average assets | 2.0530% | 4,303 |
| Loan and lease loss provision to assets | 0.0358% | 3,326 |
| Net operating income to assets | 2.2035% | 180 |
| Return on assets (ROA) | 2.2035% | 198 |
| Pretax return on assets | 2.2035% | 293 |
| Return on Equity (ROE) | 23.5693% | 88 |
| Retained earnings to average equity (ytd only) | -76.1272% | 5,101 |
| Net charge-offs to loans | 0.0141% | 2,100 |
| Credit loss provision to net charge-offs | 375.0000% | 1,044 |
| Earnings coverage of net charge-offs (x) | 234.2500% | 297 |
| Efficiency ratio | 47.8285% | 4,765 |
| Assets per employee ($millions) | 4.5263% | 3,222 |
| Cash dividends to net income (ytd only)* | 422.9935% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 4,451 |
| Loan loss allowance to noncurrent loans | 102.2962% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 2,369 |
| Noncurrent loans to loans | 0.7649% | 2,085 |
| Net loans and leases to total assets | 69.3342% | 2,351 |
| Net loans and leases to deposits | 76.0032% | 3,075 |
| Net loans and leases to core deposits | 79.5934% | 3,235 |
| Total domestic deposits to total assets | 91.2254% | 86 |
| Equity capital to assets | 8.6660% | 4,762 |
| Core capital (leverage) ratio | 8.2344% | 4,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2029% | 3,040 |
| Memoranda: | ||
| Average total assets | $167,367,500 | 3,161 |
| Average earning assets | $151,258,500 | 3,179 |
| Average equity | $15,647,500 | 3,596 |
| Average total loans | $113,587,000 | 3,036 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1373% | 1,138 |
| Cost of funding earning assets | 0.6257% | 3,531 |
| Net interest margin | 4.5115% | 702 |
| Noninterest income to average assets | 0.5099% | 2,678 |
| Noninterest expense to average assets | 2.1789% | 4,205 |
| Loan and lease loss provision to assets | 0.0898% | 2,227 |
| Net operating income to assets | 2.3489% | 169 |
| Return on assets (ROA) | 2.3489% | 181 |
| Pretax return on assets | 2.3489% | 274 |
| Return on Equity (ROE) | 24.5447% | 83 |
| Retained earnings to average equity (ytd only) | 6.9038% | 1,428 |
| Net charge-offs to loans | 0.0194% | 3,036 |
| Credit loss provision to net charge-offs | 681.8182% | 466 |
| Earnings coverage of net charge-offs (x) | 185.2273% | 420 |
| Efficiency ratio | 47.1877% | 4,867 |
| Assets per employee ($millions) | 4.6429% | 3,028 |
| Cash dividends to net income (ytd only)* | 71.8726% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 4,374 |
| Loan loss allowance to noncurrent loans | 765.2174% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 4,023 |
| Noncurrent loans to loans | 0.1015% | 4,117 |
| Net loans and leases to total assets | 65.4440% | 3,020 |
| Net loans and leases to deposits | 72.7745% | 3,452 |
| Net loans and leases to core deposits | 75.4991% | 3,613 |
| Total domestic deposits to total assets | 89.9271% | 345 |
| Equity capital to assets | 9.9972% | 3,922 |
| Core capital (leverage) ratio | 10.0645% | 3,443 |
| Tier 1 risk-based capital ratio | 12.8025% | 3,893 |
| Total risk-based capital ratio | 13.4726% | 4,105 |
| Memoranda: | ||
| Average total assets | $167,100,000 | 3,133 |
| Average earning assets | $152,143,200 | 3,160 |
| Average equity | $15,991,200 | 3,544 |
| Average total loans | $113,313,000 | 3,031 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 1,172 |
| Cost of funding earning assets | 0.6248% | 3,559 |
| Net interest margin | 4.5169% | 740 |
| Noninterest income to average assets | 0.5006% | 2,727 |
| Noninterest expense to average assets | 2.1422% | 4,288 |
| Loan and lease loss provision to assets | 0.1085% | 1,791 |
| Net operating income to assets | 2.3745% | 200 |
| Return on assets (ROA) | 2.3745% | 209 |
| Pretax return on assets | 2.3745% | 324 |
| Return on Equity (ROE) | 25.1021% | 90 |
| Retained earnings to average equity (ytd only) | 3.8991% | 3,452 |
| Net charge-offs to loans | 0.0271% | 2,551 |
| Credit loss provision to net charge-offs | 586.9565% | 552 |
| Earnings coverage of net charge-offs (x) | 134.3300% | 592 |
| Efficiency ratio | 46.3169% | 4,923 |
| Assets per employee ($millions) | 4.8467% | 2,735 |
| Cash dividends to net income (ytd only)* | 84.4671% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 4,543 |
| Loan loss allowance to noncurrent loans | 467.0270% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 3,572 |
| Noncurrent loans to loans | 0.1608% | 3,966 |
| Net loans and leases to total assets | 71.4063% | 2,265 |
| Net loans and leases to deposits | 79.7887% | 2,922 |
| Net loans and leases to core deposits | 83.0084% | 3,181 |
| Total domestic deposits to total assets | 89.4943% | 448 |
| Equity capital to assets | 10.3832% | 3,652 |
| Core capital (leverage) ratio | 9.9549% | 3,686 |
| Tier 1 risk-based capital ratio | 13.8485% | 3,401 |
| Total risk-based capital ratio | 14.5890% | 3,556 |
| Memoranda: | ||
| Average total assets | $165,928,000 | 3,179 |
| Average earning assets | $151,515,250 | 3,198 |
| Average equity | $15,695,500 | 3,609 |
| Average total loans | $113,315,000 | 3,070 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 1,305 |
| Cost of funding earning assets | 0.6237% | 3,535 |
| Net interest margin | 4.4440% | 865 |
| Noninterest income to average assets | 0.6086% | 2,105 |
| Noninterest expense to average assets | 2.2296% | 4,171 |
| Loan and lease loss provision to assets | 0.1072% | 1,751 |
| Net operating income to assets | 2.3368% | 198 |
| Return on assets (ROA) | 2.3368% | 206 |
| Pretax return on assets | 2.3368% | 329 |
| Return on Equity (ROE) | 25.4943% | 87 |
| Retained earnings to average equity (ytd only) | -3.0406% | 4,972 |
| Net charge-offs to loans | 0.0426% | 2,048 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 773 |
| Efficiency ratio | 47.7064% | 4,914 |
| Assets per employee ($millions) | 4.2918% | 3,444 |
| Cash dividends to net income (ytd only)* | 111.9266% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7196% | 4,670 |
| Loan loss allowance to noncurrent loans | 254.0373% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 3,517 |
| Noncurrent loans to loans | 0.2833% | 3,522 |
| Net loans and leases to total assets | 67.4236% | 2,901 |
| Net loans and leases to deposits | 74.5647% | 3,473 |
| Net loans and leases to core deposits | 77.3920% | 3,619 |
| Total domestic deposits to total assets | 90.4229% | 209 |
| Equity capital to assets | 9.4301% | 4,472 |
| Core capital (leverage) ratio | 9.0550% | 4,589 |
| Tier 1 risk-based capital ratio | 12.9136% | 3,883 |
| Total risk-based capital ratio | 13.5972% | 4,087 |
| Memoranda: | ||
| Average total assets | $167,923,670 | 3,177 |
| Average earning assets | $153,599,000 | 3,195 |
| Average equity | $15,391,670 | 3,648 |
| Average total loans | $112,729,330 | 3,092 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 1,287 |
| Cost of funding earning assets | 0.6325% | 3,391 |
| Net interest margin | 4.3883% | 929 |
| Noninterest income to average assets | 0.6397% | 1,864 |
| Noninterest expense to average assets | 2.1974% | 4,262 |
| Loan and lease loss provision to assets | 0.1070% | 1,664 |
| Net operating income to assets | 2.3282% | 215 |
| Return on assets (ROA) | 2.3282% | 226 |
| Pretax return on assets | 2.3282% | 339 |
| Return on Equity (ROE) | 25.7708% | 91 |
| Retained earnings to average equity (ytd only) | -24.1387% | 5,282 |
| Net charge-offs to loans | 0.1924% | 724 |
| Credit loss provision to net charge-offs | 83.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 18.9630% | 1,606 |
| Efficiency ratio | 47.4333% | 4,966 |
| Assets per employee ($millions) | 4.3687% | 3,379 |
| Cash dividends to net income (ytd only)* | 193.6670% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6712% | 4,828 |
| Loan loss allowance to noncurrent loans | 235.1266% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 3,711 |
| Noncurrent loans to loans | 0.2854% | 3,539 |
| Net loans and leases to total assets | 64.5394% | 3,225 |
| Net loans and leases to deposits | 70.8078% | 3,705 |
| Net loans and leases to core deposits | 73.4111% | 3,832 |
| Total domestic deposits to total assets | 91.1473% | 145 |
| Equity capital to assets | 8.7658% | 4,848 |
| Core capital (leverage) ratio | 8.6490% | 4,917 |
| Tier 1 risk-based capital ratio | 12.3868% | 4,243 |
| Total risk-based capital ratio | 13.0100% | 4,486 |
| Memoranda: | ||
| Average total assets | $168,196,000 | 3,209 |
| Average earning assets | $153,043,500 | 3,235 |
| Average equity | $15,195,500 | 3,683 |
| Average total loans | $112,258,500 | 3,130 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 1,120 |
| Cost of funding earning assets | 0.5354% | 3,142 |
| Net interest margin | 4.4306% | 879 |
| Noninterest income to average assets | 0.5603% | 2,489 |
| Noninterest expense to average assets | 2.4327% | 3,793 |
| Loan and lease loss provision to assets | 0.0186% | 3,789 |
| Net operating income to assets | 2.1556% | 270 |
| Return on assets (ROA) | 2.1476% | 268 |
| Pretax return on assets | 2.1476% | 398 |
| Return on Equity (ROE) | 24.3100% | 102 |
| Retained earnings to average equity (ytd only) | 8.8821% | 913 |
| Net charge-offs to loans | 0.1373% | 1,386 |
| Credit loss provision to net charge-offs | 20.2703% | 3,401 |
| Earnings coverage of net charge-offs (x) | 23.7027% | 1,839 |
| Efficiency ratio | 52.8051% | 4,731 |
| Assets per employee ($millions) | 4.4869% | 3,193 |
| Cash dividends to net income (ytd only)* | 63.4632% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6607% | 4,882 |
| Loan loss allowance to noncurrent loans | 252.3490% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 1,883 |
| Noncurrent loans to loans | 0.2618% | 3,637 |
| Net loans and leases to total assets | 68.1033% | 2,870 |
| Net loans and leases to deposits | 75.1770% | 3,417 |
| Net loans and leases to core deposits | 77.6747% | 3,608 |
| Total domestic deposits to total assets | 90.5906% | 298 |
| Equity capital to assets | 9.3101% | 4,312 |
| Core capital (leverage) ratio | 9.8594% | 3,734 |
| Tier 1 risk-based capital ratio | 12.8023% | 3,964 |
| Total risk-based capital ratio | 13.4169% | 4,202 |
| Memoranda: | ||
| Average total assets | $161,344,600 | 3,258 |
| Average earning assets | $147,360,800 | 3,279 |
| Average equity | $14,253,400 | 3,721 |
| Average total loans | $107,830,800 | 3,173 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 1,356 |
| Cost of funding earning assets | 0.5001% | 3,199 |
| Net interest margin | 4.3263% | 1,055 |
| Noninterest income to average assets | 0.5602% | 2,518 |
| Noninterest expense to average assets | 2.4556% | 3,715 |
| Loan and lease loss provision to assets | 0.0250% | 3,518 |
| Net operating income to assets | 2.0544% | 336 |
| Return on assets (ROA) | 2.0544% | 334 |
| Pretax return on assets | 2.0544% | 540 |
| Return on Equity (ROE) | 23.5901% | 112 |
| Retained earnings to average equity (ytd only) | 4.7697% | 3,362 |
| Net charge-offs to loans | 0.0902% | 1,602 |
| Credit loss provision to net charge-offs | 41.6667% | 2,893 |
| Earnings coverage of net charge-offs (x) | 34.6935% | 1,470 |
| Efficiency ratio | 54.1483% | 4,600 |
| Assets per employee ($millions) | 4.3189% | 3,401 |
| Cash dividends to net income (ytd only)* | 79.7814% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 4,824 |
| Loan loss allowance to noncurrent loans | 431.2500% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 2,043 |
| Noncurrent loans to loans | 0.1681% | 4,136 |
| Net loans and leases to total assets | 70.9464% | 2,505 |
| Net loans and leases to deposits | 82.9520% | 2,719 |
| Net loans and leases to core deposits | 85.1174% | 3,075 |
| Total domestic deposits to total assets | 85.5270% | 2,383 |
| Equity capital to assets | 9.2008% | 4,365 |
| Core capital (leverage) ratio | 9.6986% | 3,943 |
| Tier 1 risk-based capital ratio | 12.0309% | 4,486 |
| Total risk-based capital ratio | 12.7006% | 4,702 |
| Memoranda: | ||
| Average total assets | $160,173,500 | 3,299 |
| Average earning assets | $147,160,000 | 3,314 |
| Average equity | $13,949,000 | 3,780 |
| Average total loans | $106,409,250 | 3,220 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 1,414 |
| Cost of funding earning assets | 0.5177% | 2,871 |
| Net interest margin | 4.2188% | 1,239 |
| Noninterest income to average assets | 0.4287% | 3,302 |
| Noninterest expense to average assets | 2.3548% | 4,012 |
| Loan and lease loss provision to assets | 0.0217% | 3,477 |
| Net operating income to assets | 1.9464% | 424 |
| Return on assets (ROA) | 1.9464% | 421 |
| Pretax return on assets | 1.9464% | 694 |
| Return on Equity (ROE) | 23.9537% | 108 |
| Retained earnings to average equity (ytd only) | -7.5568% | 5,373 |
| Net charge-offs to loans | 0.1344% | 1,115 |
| Credit loss provision to net charge-offs | 24.5902% | 2,660 |
| Earnings coverage of net charge-offs (x) | 22.2787% | 1,747 |
| Efficiency ratio | 54.4724% | 4,639 |
| Assets per employee ($millions) | 4.5385% | 3,072 |
| Cash dividends to net income (ytd only)* | 131.5476% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 4,403 |
| Loan loss allowance to noncurrent loans | 92.8974% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3419% | 1,046 |
| Noncurrent loans to loans | 0.9526% | 1,826 |
| Net loans and leases to total assets | 67.7821% | 2,898 |
| Net loans and leases to deposits | 75.7266% | 3,365 |
| Net loans and leases to core deposits | 78.0521% | 3,577 |
| Total domestic deposits to total assets | 89.5089% | 737 |
| Equity capital to assets | 8.1437% | 5,172 |
| Core capital (leverage) ratio | 8.4548% | 5,137 |
| Tier 1 risk-based capital ratio | 11.2804% | 4,908 |
| Total risk-based capital ratio | 12.0959% | 5,023 |
| Memoranda: | ||
| Average total assets | $138,102,330 | 3,595 |
| Average earning assets | $127,475,670 | 3,597 |
| Average equity | $11,221,670 | 4,201 |
| Average total loans | $90,762,670 | 3,499 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 2,090 |
| Cost of funding earning assets | 0.5185% | 2,651 |
| Net interest margin | 3.9123% | 1,992 |
| Noninterest income to average assets | 0.4257% | 3,276 |
| Noninterest expense to average assets | 2.1772% | 4,469 |
| Loan and lease loss provision to assets | 0.0431% | 2,895 |
| Net operating income to assets | 1.8292% | 532 |
| Return on assets (ROA) | 1.8292% | 534 |
| Pretax return on assets | 1.8292% | 858 |
| Return on Equity (ROE) | 22.5362% | 145 |
| Retained earnings to average equity (ytd only) | -22.0401% | 5,520 |
| Net charge-offs to loans | 0.1429% | 956 |
| Credit loss provision to net charge-offs | 46.8750% | 1,973 |
| Earnings coverage of net charge-offs (x) | 20.3438% | 1,473 |
| Efficiency ratio | 53.7642% | 4,820 |
| Assets per employee ($millions) | 4.7530% | 2,788 |
| Cash dividends to net income (ytd only)* | 197.7987% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,285 |
| Loan loss allowance to noncurrent loans | 94.8832% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.7687% | 695 |
| Noncurrent loans to loans | 0.9849% | 1,854 |
| Net loans and leases to total assets | 65.5995% | 3,102 |
| Net loans and leases to deposits | 71.2903% | 3,677 |
| Net loans and leases to core deposits | 73.3865% | 3,861 |
| Total domestic deposits to total assets | 92.0174% | 106 |
| Equity capital to assets | 7.8875% | 5,299 |
| Core capital (leverage) ratio | 7.9900% | 5,392 |
| Tier 1 risk-based capital ratio | 11.4791% | 4,869 |
| Total risk-based capital ratio | 12.3535% | 4,980 |
| Memoranda: | ||
| Average total assets | $139,076,500 | 3,624 |
| Average earning assets | $128,826,000 | 3,606 |
| Average equity | $11,288,500 | 4,230 |
| Average total loans | $89,588,000 | 3,553 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 1,192 |
| Cost of funding earning assets | 0.5430% | 2,005 |
| Net interest margin | 4.1580% | 1,283 |
| Noninterest income to average assets | 0.4531% | 3,292 |
| Noninterest expense to average assets | 2.2398% | 4,454 |
| Loan and lease loss provision to assets | 0.0194% | 3,911 |
| Net operating income to assets | 2.0440% | 256 |
| Return on assets (ROA) | 2.0440% | 264 |
| Pretax return on assets | 2.0440% | 443 |
| Return on Equity (ROE) | 24.2026% | 77 |
| Retained earnings to average equity (ytd only) | 8.8804% | 529 |
| Net charge-offs to loans | 0.0353% | 3,091 |
| Credit loss provision to net charge-offs | 83.3333% | 2,892 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 707 |
| Efficiency ratio | 52.0498% | 5,097 |
| Assets per employee ($millions) | 4.6772% | 2,904 |
| Cash dividends to net income (ytd only)* | 63.3080% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,937 |
| Loan loss allowance to noncurrent loans | 2,046.5116% | 353 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 1,193 |
| Noncurrent loans to loans | 0.0489% | 4,772 |
| Net loans and leases to total assets | 62.0190% | 3,619 |
| Net loans and leases to deposits | 67.7309% | 4,045 |
| Net loans and leases to core deposits | 70.0547% | 4,171 |
| Total domestic deposits to total assets | 91.5668% | 127 |
| Equity capital to assets | 8.3419% | 5,236 |
| Core capital (leverage) ratio | 8.9330% | 4,728 |
| Tier 1 risk-based capital ratio | 11.4337% | 4,892 |
| Total risk-based capital ratio | 12.2849% | 5,010 |
| Memoranda: | ||
| Average total assets | $128,671,600 | 3,767 |
| Average earning assets | $119,142,600 | 3,760 |
| Average equity | $10,866,600 | 4,325 |
| Average total loans | $85,007,800 | 3,635 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6957% | 1,146 |
| Cost of funding earning assets | 0.5539% | 1,867 |
| Net interest margin | 4.1418% | 1,292 |
| Noninterest income to average assets | 0.4453% | 3,370 |
| Noninterest expense to average assets | 2.2529% | 4,413 |
| Loan and lease loss provision to assets | 0.0477% | 3,146 |
| Net operating income to assets | 1.9815% | 327 |
| Return on assets (ROA) | 1.9815% | 333 |
| Pretax return on assets | 1.9815% | 568 |
| Return on Equity (ROE) | 23.3831% | 97 |
| Retained earnings to average equity (ytd only) | 2.8150% | 4,225 |
| Net charge-offs to loans | 0.0475% | 2,491 |
| Credit loss provision to net charge-offs | 150.0000% | 1,689 |
| Earnings coverage of net charge-offs (x) | 63.7985% | 954 |
| Efficiency ratio | 52.6120% | 5,051 |
| Assets per employee ($millions) | 4.5453% | 3,059 |
| Cash dividends to net income (ytd only)* | 87.9616% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,989 |
| Loan loss allowance to noncurrent loans | 671.6418% | 821 |
| Noncurrent assets plus other real estate owned to assets | 1.6257% | 905 |
| Noncurrent loans to loans | 0.1508% | 4,453 |
| Net loans and leases to total assets | 69.1014% | 2,679 |
| Net loans and leases to deposits | 75.9506% | 3,380 |
| Net loans and leases to core deposits | 78.8467% | 3,554 |
| Total domestic deposits to total assets | 90.9820% | 190 |
| Equity capital to assets | 8.7775% | 5,098 |
| Core capital (leverage) ratio | 8.8767% | 4,895 |
| Tier 1 risk-based capital ratio | 11.4233% | 4,998 |
| Total risk-based capital ratio | 12.3512% | 5,076 |
| Memoranda: | ||
| Average total assets | $125,760,750 | 3,853 |
| Average earning assets | $116,499,750 | 3,849 |
| Average equity | $10,657,000 | 4,396 |
| Average total loans | $84,284,250 | 3,679 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 1,270 |
| Cost of funding earning assets | 0.5535% | 1,757 |
| Net interest margin | 4.0375% | 1,492 |
| Noninterest income to average assets | 0.4391% | 3,427 |
| Noninterest expense to average assets | 2.2657% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9240% | 357 |
| Return on assets (ROA) | 1.9240% | 367 |
| Pretax return on assets | 1.9240% | 621 |
| Return on Equity (ROE) | 22.9837% | 105 |
| Retained earnings to average equity (ytd only) | -5.5695% | 5,553 |
| Net charge-offs to loans | 0.0145% | 2,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 200.8333% | 413 |
| Efficiency ratio | 54.0777% | 5,009 |
| Assets per employee ($millions) | 4.4044% | 3,266 |
| Cash dividends to net income (ytd only)* | 124.2324% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 4,079 |
| Loan loss allowance to noncurrent loans | 87.9000% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.6680% | 881 |
| Noncurrent loans to loans | 1.1495% | 1,702 |
| Net loans and leases to total assets | 69.8286% | 2,552 |
| Net loans and leases to deposits | 76.6364% | 3,267 |
| Net loans and leases to core deposits | 79.6452% | 3,447 |
| Total domestic deposits to total assets | 91.1168% | 196 |
| Equity capital to assets | 8.6594% | 5,181 |
| Core capital (leverage) ratio | 8.5891% | 5,152 |
| Tier 1 risk-based capital ratio | 11.7534% | 4,803 |
| Total risk-based capital ratio | 12.7314% | 4,862 |
| Memoranda: | ||
| Average total assets | $125,258,330 | 3,876 |
| Average earning assets | $116,358,330 | 3,875 |
| Average equity | $10,485,670 | 4,439 |
| Average total loans | $82,764,330 | 3,726 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 1,335 |
| Cost of funding earning assets | 0.5589% | 1,663 |
| Net interest margin | 3.9566% | 1,586 |
| Noninterest income to average assets | 0.4341% | 3,421 |
| Noninterest expense to average assets | 2.2816% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8316% | 423 |
| Return on assets (ROA) | 1.8316% | 433 |
| Pretax return on assets | 1.8316% | 741 |
| Return on Equity (ROE) | 22.2543% | 144 |
| Retained earnings to average equity (ytd only) | -29.6082% | 5,792 |
| Net charge-offs to loans | -0.0893% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4700% | 4,996 |
| Assets per employee ($millions) | 4.3374% | 3,440 |
| Cash dividends to net income (ytd only)* | 233.0450% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 3,562 |
| Loan loss allowance to noncurrent loans | 53.2743% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.8269% | 768 |
| Noncurrent loans to loans | 2.1079% | 830 |
| Net loans and leases to total assets | 63.2094% | 3,375 |
| Net loans and leases to deposits | 68.8357% | 3,906 |
| Net loans and leases to core deposits | 71.4563% | 4,035 |
| Total domestic deposits to total assets | 91.8265% | 124 |
| Equity capital to assets | 7.9946% | 5,520 |
| Core capital (leverage) ratio | 7.8697% | 5,603 |
| Tier 1 risk-based capital ratio | 11.4538% | 5,062 |
| Total risk-based capital ratio | 12.4823% | 5,079 |
| Memoranda: | ||
| Average total assets | $126,226,500 | 3,900 |
| Average earning assets | $117,374,000 | 3,887 |
| Average equity | $10,389,000 | 4,482 |
| Average total loans | $80,650,000 | 3,800 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 917 |
| Cost of funding earning assets | 0.5554% | 1,638 |
| Net interest margin | 4.2267% | 1,061 |
| Noninterest income to average assets | 0.4941% | 3,276 |
| Noninterest expense to average assets | 2.2980% | 4,563 |
| Loan and lease loss provision to assets | 0.1403% | 1,777 |
| Net operating income to assets | 1.9978% | 318 |
| Return on assets (ROA) | 1.9978% | 335 |
| Pretax return on assets | 1.9978% | 506 |
| Return on Equity (ROE) | 22.7317% | 125 |
| Retained earnings to average equity (ytd only) | 5.4482% | 2,049 |
| Net charge-offs to loans | 0.0989% | 2,293 |
| Credit loss provision to net charge-offs | 203.7037% | 1,389 |
| Earnings coverage of net charge-offs (x) | 31.0370% | 1,402 |
| Efficiency ratio | 51.8021% | 5,396 |
| Assets per employee ($millions) | 4.3679% | 3,334 |
| Cash dividends to net income (ytd only)* | 76.0324% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,743 |
| Loan loss allowance to noncurrent loans | 38.7309% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.9460% | 719 |
| Noncurrent loans to loans | 2.8249% | 511 |
| Net loans and leases to total assets | 63.1604% | 3,455 |
| Net loans and leases to deposits | 69.1233% | 3,995 |
| Net loans and leases to core deposits | 71.3029% | 4,130 |
| Total domestic deposits to total assets | 91.3735% | 193 |
| Equity capital to assets | 8.4646% | 5,296 |
| Core capital (leverage) ratio | 9.0924% | 4,626 |
| Tier 1 risk-based capital ratio | 12.3244% | 4,491 |
| Total risk-based capital ratio | 13.3292% | 4,553 |
| Memoranda: | ||
| Average total assets | $117,582,000 | 4,036 |
| Average earning assets | $109,660,200 | 4,011 |
| Average equity | $10,333,600 | 4,517 |
| Average total loans | $81,860,400 | 3,764 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 737 |
| Cost of funding earning assets | 0.5606% | 1,606 |
| Net interest margin | 4.3334% | 872 |
| Noninterest income to average assets | 0.5111% | 3,177 |
| Noninterest expense to average assets | 2.3588% | 4,388 |
| Loan and lease loss provision to assets | 0.1561% | 1,489 |
| Net operating income to assets | 2.0362% | 322 |
| Return on assets (ROA) | 2.0362% | 334 |
| Pretax return on assets | 2.0362% | 528 |
| Return on Equity (ROE) | 22.9369% | 129 |
| Retained earnings to average equity (ytd only) | 1.5630% | 4,885 |
| Net charge-offs to loans | 0.0844% | 2,120 |
| Credit loss provision to net charge-offs | 259.6154% | 1,167 |
| Earnings coverage of net charge-offs (x) | 36.4624% | 1,310 |
| Efficiency ratio | 51.8293% | 5,400 |
| Assets per employee ($millions) | 4.2569% | 3,494 |
| Cash dividends to net income (ytd only)* | 93.1859% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 4,198 |
| Loan loss allowance to noncurrent loans | 44.3775% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.9202% | 832 |
| Noncurrent loans to loans | 2.3382% | 783 |
| Net loans and leases to total assets | 73.3524% | 1,976 |
| Net loans and leases to deposits | 81.0508% | 2,845 |
| Net loans and leases to core deposits | 84.0141% | 3,119 |
| Total domestic deposits to total assets | 90.5018% | 319 |
| Equity capital to assets | 9.2303% | 4,943 |
| Core capital (leverage) ratio | 9.1186% | 4,698 |
| Tier 1 risk-based capital ratio | 11.9822% | 4,799 |
| Total risk-based capital ratio | 12.9994% | 4,848 |
| Memoranda: | ||
| Average total assets | $115,310,500 | 4,104 |
| Average earning assets | $107,502,500 | 4,075 |
| Average equity | $10,236,500 | 4,576 |
| Average total loans | $82,103,250 | 3,779 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 916 |
| Cost of funding earning assets | 0.5514% | 1,686 |
| Net interest margin | 4.2315% | 1,056 |
| Noninterest income to average assets | 0.5094% | 3,128 |
| Noninterest expense to average assets | 2.3217% | 4,549 |
| Loan and lease loss provision to assets | 0.1559% | 1,462 |
| Net operating income to assets | 1.9803% | 342 |
| Return on assets (ROA) | 1.9803% | 359 |
| Pretax return on assets | 1.9803% | 589 |
| Return on Equity (ROE) | 22.6061% | 140 |
| Retained earnings to average equity (ytd only) | -6.8827% | 5,813 |
| Net charge-offs to loans | 0.0765% | 2,098 |
| Credit loss provision to net charge-offs | 290.3226% | 988 |
| Earnings coverage of net charge-offs (x) | 39.7742% | 1,164 |
| Efficiency ratio | 52.0793% | 5,437 |
| Assets per employee ($millions) | 4.2084% | 3,550 |
| Cash dividends to net income (ytd only)* | 130.4462% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 4,212 |
| Loan loss allowance to noncurrent loans | 46.9176% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.6792% | 1,076 |
| Noncurrent loans to loans | 2.2444% | 826 |
| Net loans and leases to total assets | 71.1184% | 2,315 |
| Net loans and leases to deposits | 78.3496% | 3,115 |
| Net loans and leases to core deposits | 80.8268% | 3,383 |
| Total domestic deposits to total assets | 90.7706% | 235 |
| Equity capital to assets | 8.9944% | 5,241 |
| Core capital (leverage) ratio | 8.6796% | 5,186 |
| Tier 1 risk-based capital ratio | 11.9536% | 4,856 |
| Total risk-based capital ratio | 12.9875% | 4,895 |
| Memoranda: | ||
| Average total assets | $115,435,000 | 4,130 |
| Average earning assets | $107,716,670 | 4,101 |
| Average equity | $10,112,330 | 4,625 |
| Average total loans | $81,073,330 | 3,823 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 962 |
| Cost of funding earning assets | 0.5595% | 1,627 |
| Net interest margin | 4.1850% | 1,129 |
| Noninterest income to average assets | 0.5089% | 3,056 |
| Noninterest expense to average assets | 2.2864% | 4,699 |
| Loan and lease loss provision to assets | 0.1547% | 1,360 |
| Net operating income to assets | 1.9770% | 352 |
| Return on assets (ROA) | 1.9770% | 370 |
| Pretax return on assets | 1.9770% | 599 |
| Return on Equity (ROE) | 22.8662% | 129 |
| Retained earnings to average equity (ytd only) | -30.4618% | 6,026 |
| Net charge-offs to loans | 0.0693% | 1,788 |
| Credit loss provision to net charge-offs | 321.4286% | 810 |
| Earnings coverage of net charge-offs (x) | 44.2857% | 954 |
| Efficiency ratio | 51.7510% | 5,529 |
| Assets per employee ($millions) | 4.2120% | 3,568 |
| Cash dividends to net income (ytd only)* | 233.2174% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 4,488 |
| Loan loss allowance to noncurrent loans | 53.4704% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 1,445 |
| Noncurrent loans to loans | 1.9089% | 1,144 |
| Net loans and leases to total assets | 68.4125% | 2,598 |
| Net loans and leases to deposits | 74.6933% | 3,350 |
| Net loans and leases to core deposits | 76.5319% | 3,634 |
| Total domestic deposits to total assets | 91.5912% | 145 |
| Equity capital to assets | 8.2265% | 5,731 |
| Core capital (leverage) ratio | 8.1155% | 5,712 |
| Tier 1 risk-based capital ratio | 11.5520% | 5,202 |
| Total risk-based capital ratio | 12.5609% | 5,242 |
| Memoranda: | ||
| Average total assets | $116,339,500 | 4,147 |
| Average earning assets | $108,674,000 | 4,113 |
| Average equity | $10,058,500 | 4,649 |
| Average total loans | $80,775,500 | 3,838 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7289% | 1,049 |
| Cost of funding earning assets | 0.6075% | 1,326 |
| Net interest margin | 4.1213% | 1,359 |
| Noninterest income to average assets | 0.5180% | 3,209 |
| Noninterest expense to average assets | 2.3912% | 4,533 |
| Loan and lease loss provision to assets | 0.0984% | 2,345 |
| Net operating income to assets | 1.8455% | 448 |
| Return on assets (ROA) | 1.8455% | 458 |
| Pretax return on assets | 1.8455% | 735 |
| Return on Equity (ROE) | 21.2479% | 198 |
| Retained earnings to average equity (ytd only) | 5.0468% | 2,378 |
| Net charge-offs to loans | 0.0679% | 2,882 |
| Credit loss provision to net charge-offs | 207.5472% | 1,351 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,154 |
| Efficiency ratio | 55.1589% | 5,426 |
| Assets per employee ($millions) | 4.0980% | 3,763 |
| Cash dividends to net income (ytd only)* | 76.2482% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 4,626 |
| Loan loss allowance to noncurrent loans | 44.0771% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 1.8938% | 966 |
| Noncurrent loans to loans | 2.2677% | 854 |
| Net loans and leases to total assets | 69.0552% | 2,536 |
| Net loans and leases to deposits | 76.0941% | 3,236 |
| Net loans and leases to core deposits | 78.4460% | 3,496 |
| Total domestic deposits to total assets | 90.7498% | 354 |
| Equity capital to assets | 9.0768% | 5,040 |
| Core capital (leverage) ratio | 9.1527% | 4,681 |
| Tier 1 risk-based capital ratio | 12.8063% | 4,451 |
| Total risk-based capital ratio | 13.8017% | 4,492 |
| Memoranda: | ||
| Average total assets | $111,782,600 | 4,229 |
| Average earning assets | $103,534,200 | 4,198 |
| Average equity | $9,709,200 | 4,705 |
| Average total loans | $78,073,400 | 3,883 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 931 |
| Cost of funding earning assets | 0.6189% | 1,288 |
| Net interest margin | 4.1828% | 1,204 |
| Noninterest income to average assets | 0.5175% | 3,245 |
| Noninterest expense to average assets | 2.4230% | 4,449 |
| Loan and lease loss provision to assets | 0.1321% | 1,699 |
| Net operating income to assets | 1.8335% | 484 |
| Return on assets (ROA) | 1.8335% | 505 |
| Pretax return on assets | 1.8335% | 834 |
| Return on Equity (ROE) | 21.3574% | 209 |
| Retained earnings to average equity (ytd only) | -0.1818% | 5,631 |
| Net charge-offs to loans | 0.0739% | 2,501 |
| Credit loss provision to net charge-offs | 255.8140% | 1,116 |
| Earnings coverage of net charge-offs (x) | 38.0710% | 1,288 |
| Efficiency ratio | 55.2120% | 5,432 |
| Assets per employee ($millions) | 3.9340% | 4,006 |
| Cash dividends to net income (ytd only)* | 100.8512% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,448 |
| Loan loss allowance to noncurrent loans | 238.9381% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 2,658 |
| Noncurrent loans to loans | 0.4410% | 4,023 |
| Net loans and leases to total assets | 69.0455% | 2,528 |
| Net loans and leases to deposits | 76.0854% | 3,294 |
| Net loans and leases to core deposits | 78.0099% | 3,607 |
| Total domestic deposits to total assets | 90.7473% | 326 |
| Equity capital to assets | 8.9867% | 5,317 |
| Core capital (leverage) ratio | 8.9436% | 5,062 |
| Tier 1 risk-based capital ratio | 12.5988% | 4,680 |
| Total risk-based capital ratio | 13.6414% | 4,736 |
| Memoranda: | ||
| Average total assets | $111,042,500 | 4,285 |
| Average earning assets | $102,767,750 | 4,265 |
| Average equity | $9,532,750 | 4,800 |
| Average total loans | $77,582,750 | 3,934 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 993 |
| Cost of funding earning assets | 0.6262% | 1,253 |
| Net interest margin | 4.1166% | 1,311 |
| Noninterest income to average assets | 0.5191% | 3,232 |
| Noninterest expense to average assets | 2.4484% | 4,404 |
| Loan and lease loss provision to assets | 0.1976% | 1,002 |
| Net operating income to assets | 1.6760% | 651 |
| Return on assets (ROA) | 1.6760% | 678 |
| Pretax return on assets | 1.6760% | 1,131 |
| Return on Equity (ROE) | 19.8286% | 279 |
| Retained earnings to average equity (ytd only) | -12.9003% | 6,214 |
| Net charge-offs to loans | -0.0077% | 4,859 |
| Credit loss provision to net charge-offs | -3,666.6667% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6500% | 5,372 |
| Assets per employee ($millions) | 3.9063% | 4,056 |
| Cash dividends to net income (ytd only)* | 165.0589% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 4,343 |
| Loan loss allowance to noncurrent loans | 212.4069% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 2,754 |
| Noncurrent loans to loans | 0.5160% | 3,909 |
| Net loans and leases to total assets | 70.6188% | 2,220 |
| Net loans and leases to deposits | 77.2655% | 3,123 |
| Net loans and leases to core deposits | 79.2132% | 3,471 |
| Total domestic deposits to total assets | 91.3976% | 207 |
| Equity capital to assets | 8.4424% | 5,728 |
| Core capital (leverage) ratio | 8.3008% | 5,713 |
| Tier 1 risk-based capital ratio | 11.7266% | 5,321 |
| Total risk-based capital ratio | 12.8182% | 5,335 |
| Memoranda: | ||
| Average total assets | $111,339,330 | 4,311 |
| Average earning assets | $102,850,670 | 4,301 |
| Average equity | $9,410,670 | 4,856 |
| Average total loans | $77,822,000 | 3,956 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,210 |
| Cost of funding earning assets | 0.6323% | 1,221 |
| Net interest margin | 3.9711% | 1,648 |
| Noninterest income to average assets | 0.5164% | 3,179 |
| Noninterest expense to average assets | 2.3931% | 4,618 |
| Loan and lease loss provision to assets | 0.2315% | 748 |
| Net operating income to assets | 1.5598% | 766 |
| Return on assets (ROA) | 1.5598% | 806 |
| Pretax return on assets | 1.5598% | 1,366 |
| Return on Equity (ROE) | 18.4440% | 355 |
| Retained earnings to average equity (ytd only) | -34.3615% | 6,355 |
| Net charge-offs to loans | -0.0051% | 4,502 |
| Credit loss provision to net charge-offs | -6,500.0000% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1915% | 5,421 |
| Assets per employee ($millions) | 3.9920% | 3,979 |
| Cash dividends to net income (ytd only)* | 286.3014% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,738 |
| Loan loss allowance to noncurrent loans | 207.9692% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 3,134 |
| Noncurrent loans to loans | 0.5067% | 4,064 |
| Net loans and leases to total assets | 67.9580% | 2,444 |
| Net loans and leases to deposits | 74.1153% | 3,295 |
| Net loans and leases to core deposits | 75.6129% | 3,632 |
| Total domestic deposits to total assets | 91.6922% | 192 |
| Equity capital to assets | 8.1762% | 5,949 |
| Core capital (leverage) ratio | 7.9325% | 5,979 |
| Tier 1 risk-based capital ratio | 4.6001% | 6,402 |
| Total risk-based capital ratio | 5.0142% | 6,409 |
| Memoranda: | ||
| Average total assets | $112,321,000 | 4,323 |
| Average earning assets | $103,750,500 | 4,310 |
| Average equity | $9,499,000 | 4,880 |
| Average total loans | $77,685,000 | 3,974 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 626 |
| Cost of funding earning assets | 0.6514% | 1,393 |
| Net interest margin | 4.4530% | 813 |
| Noninterest income to average assets | 0.6598% | 2,507 |
| Noninterest expense to average assets | 2.4851% | 4,594 |
| Loan and lease loss provision to assets | 0.1269% | 2,067 |
| Net operating income to assets | 2.1148% | 267 |
| Return on assets (ROA) | 2.1148% | 272 |
| Pretax return on assets | 2.1148% | 395 |
| Return on Equity (ROE) | 24.5055% | 115 |
| Retained earnings to average equity (ytd only) | 4.8249% | 2,738 |
| Net charge-offs to loans | 0.2549% | 1,679 |
| Credit loss provision to net charge-offs | 69.2308% | 3,095 |
| Earnings coverage of net charge-offs (x) | 12.2308% | 2,401 |
| Efficiency ratio | 52.5751% | 5,942 |
| Assets per employee ($millions) | 4.1803% | 3,579 |
| Cash dividends to net income (ytd only)* | 80.3111% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 5,306 |
| Loan loss allowance to noncurrent loans | 186.6834% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1004% | 2,551 |
| Noncurrent loans to loans | 0.5064% | 4,147 |
| Net loans and leases to total assets | 68.9821% | 2,398 |
| Net loans and leases to deposits | 75.6770% | 3,237 |
| Net loans and leases to core deposits | 77.1949% | 3,594 |
| Total domestic deposits to total assets | 91.1533% | 317 |
| Equity capital to assets | 8.7351% | 5,553 |
| Core capital (leverage) ratio | 9.0535% | 4,900 |
| Tier 1 risk-based capital ratio | 11.9515% | 5,394 |
| Total risk-based capital ratio | 12.8574% | 5,519 |
| Memoranda: | ||
| Average total assets | $106,395,000 | 4,446 |
| Average earning assets | $97,170,400 | 4,477 |
| Average equity | $9,181,600 | 4,926 |
| Average total loans | $76,489,000 | 3,983 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1518% | 575 |
| Cost of funding earning assets | 0.6598% | 1,392 |
| Net interest margin | 4.4919% | 748 |
| Noninterest income to average assets | 0.6973% | 2,340 |
| Noninterest expense to average assets | 2.5336% | 4,422 |
| Loan and lease loss provision to assets | 0.1145% | 2,143 |
| Net operating income to assets | 2.1467% | 260 |
| Return on assets (ROA) | 2.1467% | 271 |
| Pretax return on assets | 2.1467% | 408 |
| Return on Equity (ROE) | 24.9580% | 105 |
| Retained earnings to average equity (ytd only) | -1.0208% | 5,968 |
| Net charge-offs to loans | 0.2317% | 1,660 |
| Credit loss provision to net charge-offs | 68.1818% | 2,800 |
| Earnings coverage of net charge-offs (x) | 13.4618% | 2,225 |
| Efficiency ratio | 52.8397% | 5,938 |
| Assets per employee ($millions) | 3.7615% | 4,372 |
| Cash dividends to net income (ytd only)* | 104.0898% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 5,465 |
| Loan loss allowance to noncurrent loans | 262.4138% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 2,787 |
| Noncurrent loans to loans | 0.3583% | 4,831 |
| Net loans and leases to total assets | 76.1163% | 1,207 |
| Net loans and leases to deposits | 87.4576% | 1,734 |
| Net loans and leases to core deposits | 89.7839% | 2,244 |
| Total domestic deposits to total assets | 87.0323% | 2,303 |
| Equity capital to assets | 8.8794% | 5,483 |
| Core capital (leverage) ratio | 8.9362% | 5,144 |
| Tier 1 risk-based capital ratio | 11.2410% | 5,898 |
| Total risk-based capital ratio | 12.1619% | 5,985 |
| Memoranda: | ||
| Average total assets | $104,777,000 | 4,525 |
| Average earning assets | $95,576,750 | 4,557 |
| Average equity | $9,012,250 | 5,006 |
| Average total loans | $75,961,000 | 4,033 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 684 |
| Cost of funding earning assets | 0.6642% | 1,411 |
| Net interest margin | 4.3844% | 874 |
| Noninterest income to average assets | 0.7553% | 2,021 |
| Noninterest expense to average assets | 2.4839% | 4,636 |
| Loan and lease loss provision to assets | 0.0860% | 2,590 |
| Net operating income to assets | 2.1741% | 238 |
| Return on assets (ROA) | 2.1741% | 249 |
| Pretax return on assets | 2.1741% | 383 |
| Return on Equity (ROE) | 25.5534% | 102 |
| Retained earnings to average equity (ytd only) | -10.7428% | 6,435 |
| Net charge-offs to loans | 0.3553% | 1,154 |
| Credit loss provision to net charge-offs | 34.0909% | 3,000 |
| Earnings coverage of net charge-offs (x) | 8.9545% | 2,423 |
| Efficiency ratio | 52.3579% | 6,042 |
| Assets per employee ($millions) | 3.6916% | 4,467 |
| Cash dividends to net income (ytd only)* | 142.0405% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 5,676 |
| Loan loss allowance to noncurrent loans | 124.0901% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2654% | 2,580 |
| Noncurrent loans to loans | 0.7388% | 3,854 |
| Net loans and leases to total assets | 74.8658% | 1,322 |
| Net loans and leases to deposits | 82.9724% | 2,139 |
| Net loans and leases to core deposits | 85.1339% | 2,596 |
| Total domestic deposits to total assets | 90.2298% | 698 |
| Equity capital to assets | 8.6219% | 5,691 |
| Core capital (leverage) ratio | 8.5713% | 5,559 |
| Tier 1 risk-based capital ratio | 11.3646% | 5,871 |
| Total risk-based capital ratio | 12.2809% | 5,978 |
| Memoranda: | ||
| Average total assets | $104,595,000 | 4,564 |
| Average earning assets | $95,154,670 | 4,606 |
| Average equity | $8,899,000 | 5,055 |
| Average total loans | $74,305,000 | 4,095 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 829 |
| Cost of funding earning assets | 0.6722% | 1,428 |
| Net interest margin | 4.2528% | 1,091 |
| Noninterest income to average assets | 0.5589% | 2,991 |
| Noninterest expense to average assets | 2.2964% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0873% | 289 |
| Return on assets (ROA) | 2.0873% | 300 |
| Pretax return on assets | 2.0873% | 436 |
| Return on Equity (ROE) | 24.6950% | 127 |
| Retained earnings to average equity (ytd only) | -31.7121% | 6,624 |
| Net charge-offs to loans | 0.4806% | 762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.3103% | 2,233 |
| Efficiency ratio | 52.3851% | 6,112 |
| Assets per employee ($millions) | 3.7608% | 4,397 |
| Cash dividends to net income (ytd only)* | 228.4153% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 5,617 |
| Loan loss allowance to noncurrent loans | 78.3370% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.1671% | 2,924 |
| Noncurrent loans to loans | 1.2450% | 2,960 |
| Net loans and leases to total assets | 69.0395% | 2,051 |
| Net loans and leases to deposits | 75.2798% | 2,908 |
| Net loans and leases to core deposits | 77.1664% | 3,285 |
| Total domestic deposits to total assets | 91.7105% | 326 |
| Equity capital to assets | 8.1622% | 5,937 |
| Core capital (leverage) ratio | 8.2759% | 5,870 |
| Tier 1 risk-based capital ratio | 11.5885% | 5,867 |
| Total risk-based capital ratio | 12.5472% | 5,968 |
| Memoranda: | ||
| Average total assets | $105,210,000 | 4,600 |
| Average earning assets | $94,621,000 | 4,667 |
| Average equity | $8,892,500 | 5,079 |
| Average total loans | $72,407,000 | 4,186 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 976 |
| Cost of funding earning assets | 0.7277% | 1,637 |
| Net interest margin | 4.2400% | 1,249 |
| Noninterest income to average assets | 0.7548% | 2,268 |
| Noninterest expense to average assets | 2.4313% | 4,986 |
| Loan and lease loss provision to assets | 0.2048% | 1,812 |
| Net operating income to assets | 2.0110% | 332 |
| Return on assets (ROA) | 2.0110% | 334 |
| Pretax return on assets | 2.0110% | 463 |
| Return on Equity (ROE) | 23.2863% | 169 |
| Retained earnings to average equity (ytd only) | 0.8244% | 5,465 |
| Net charge-offs to loans | 0.0406% | 4,660 |
| Credit loss provision to net charge-offs | 750.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 81.1429% | 545 |
| Efficiency ratio | 52.3190% | 6,272 |
| Assets per employee ($millions) | 3.8933% | 4,079 |
| Cash dividends to net income (ytd only)* | 96.4597% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 5,030 |
| Loan loss allowance to noncurrent loans | 64.9676% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.1968% | 3,010 |
| Noncurrent loans to loans | 1.7311% | 2,321 |
| Net loans and leases to total assets | 67.1579% | 2,489 |
| Net loans and leases to deposits | 73.6977% | 3,307 |
| Net loans and leases to core deposits | 75.5544% | 3,658 |
| Total domestic deposits to total assets | 91.1262% | 524 |
| Equity capital to assets | 8.7426% | 5,320 |
| Core capital (leverage) ratio | 9.1844% | 4,741 |
| Tier 1 risk-based capital ratio | 12.8582% | 5,077 |
| Total risk-based capital ratio | 13.9615% | 5,114 |
| Memoranda: | ||
| Average total assets | $102,537,400 | 4,681 |
| Average earning assets | $94,128,200 | 4,678 |
| Average equity | $8,855,000 | 5,123 |
| Average total loans | $68,994,600 | 4,309 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 1,011 |
| Cost of funding earning assets | 0.7475% | 1,623 |
| Net interest margin | 4.2134% | 1,294 |
| Noninterest income to average assets | 0.8113% | 2,092 |
| Noninterest expense to average assets | 2.4574% | 4,854 |
| Loan and lease loss provision to assets | 0.2159% | 1,685 |
| Net operating income to assets | 2.0178% | 355 |
| Return on assets (ROA) | 2.0178% | 365 |
| Pretax return on assets | 2.0178% | 558 |
| Return on Equity (ROE) | 23.4396% | 154 |
| Retained earnings to average equity (ytd only) | -5.3811% | 6,512 |
| Net charge-offs to loans | 0.0214% | 4,697 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 155.1425% | 360 |
| Efficiency ratio | 52.3849% | 6,230 |
| Assets per employee ($millions) | 3.6553% | 4,549 |
| Cash dividends to net income (ytd only)* | 122.9573% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 5,524 |
| Loan loss allowance to noncurrent loans | 196.7005% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 5,222 |
| Noncurrent loans to loans | 0.5343% | 4,857 |
| Net loans and leases to total assets | 73.9333% | 1,299 |
| Net loans and leases to deposits | 81.7841% | 2,164 |
| Net loans and leases to core deposits | 84.4653% | 2,601 |
| Total domestic deposits to total assets | 90.4005% | 787 |
| Equity capital to assets | 8.8851% | 5,314 |
| Core capital (leverage) ratio | 9.1596% | 4,888 |
| Tier 1 risk-based capital ratio | 12.2815% | 5,586 |
| Total risk-based capital ratio | 13.3472% | 5,654 |
| Memoranda: | ||
| Average total assets | $101,892,250 | 4,739 |
| Average earning assets | $93,825,000 | 4,733 |
| Average equity | $8,771,250 | 5,197 |
| Average total loans | $68,393,750 | 4,361 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 1,219 |
| Cost of funding earning assets | 0.7533% | 1,683 |
| Net interest margin | 4.0958% | 1,552 |
| Noninterest income to average assets | 0.7906% | 2,235 |
| Noninterest expense to average assets | 2.4456% | 4,912 |
| Loan and lease loss provision to assets | 0.2312% | 1,618 |
| Net operating income to assets | 1.8843% | 435 |
| Return on assets (ROA) | 1.8843% | 471 |
| Pretax return on assets | 1.8843% | 769 |
| Return on Equity (ROE) | 22.1158% | 201 |
| Retained earnings to average equity (ytd only) | -17.7611% | 6,784 |
| Net charge-offs to loans | 0.0240% | 4,363 |
| Credit loss provision to net charge-offs | 1,487.5000% | 221 |
| Earnings coverage of net charge-offs (x) | 136.1250% | 364 |
| Efficiency ratio | 53.6201% | 6,172 |
| Assets per employee ($millions) | 3.6687% | 4,475 |
| Cash dividends to net income (ytd only)* | 180.3093% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 5,619 |
| Loan loss allowance to noncurrent loans | 183.0000% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 4,883 |
| Noncurrent loans to loans | 0.5750% | 4,825 |
| Net loans and leases to total assets | 69.4887% | 1,976 |
| Net loans and leases to deposits | 75.9785% | 2,880 |
| Net loans and leases to core deposits | 78.4205% | 3,236 |
| Total domestic deposits to total assets | 91.4583% | 393 |
| Equity capital to assets | 8.3438% | 5,928 |
| Core capital (leverage) ratio | 8.3180% | 5,865 |
| Tier 1 risk-based capital ratio | 12.3026% | 5,623 |
| Total risk-based capital ratio | 13.3612% | 5,673 |
| Memoranda: | ||
| Average total assets | $102,958,670 | 4,750 |
| Average earning assets | $94,779,330 | 4,735 |
| Average equity | $8,772,000 | 5,228 |
| Average total loans | $66,611,000 | 4,440 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 1,471 |
| Cost of funding earning assets | 0.7582% | 1,782 |
| Net interest margin | 3.9639% | 1,907 |
| Noninterest income to average assets | 0.7321% | 2,419 |
| Noninterest expense to average assets | 2.3258% | 5,351 |
| Loan and lease loss provision to assets | 0.1716% | 2,143 |
| Net operating income to assets | 1.9026% | 402 |
| Return on assets (ROA) | 1.9026% | 441 |
| Pretax return on assets | 1.9026% | 733 |
| Return on Equity (ROE) | 22.1151% | 193 |
| Retained earnings to average equity (ytd only) | -42.4575% | 6,947 |
| Net charge-offs to loans | -0.0676% | 6,260 |
| Credit loss provision to net charge-offs | -409.0909% | 5,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8596% | 6,323 |
| Assets per employee ($millions) | 3.8823% | 4,188 |
| Cash dividends to net income (ytd only)* | 291.9840% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 5,816 |
| Loan loss allowance to noncurrent loans | 160.4265% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 4,874 |
| Noncurrent loans to loans | 0.6507% | 4,822 |
| Net loans and leases to total assets | 61.2280% | 3,219 |
| Net loans and leases to deposits | 66.7440% | 3,946 |
| Net loans and leases to core deposits | 68.7538% | 4,217 |
| Total domestic deposits to total assets | 91.7356% | 302 |
| Equity capital to assets | 8.1223% | 6,315 |
| Core capital (leverage) ratio | 7.9614% | 6,183 |
| Tier 1 risk-based capital ratio | 12.4054% | 5,636 |
| Total risk-based capital ratio | 13.4139% | 5,773 |
| Memoranda: | ||
| Average total assets | $104,910,500 | 4,746 |
| Average earning assets | $97,077,000 | 4,711 |
| Average equity | $9,025,500 | 5,217 |
| Average total loans | $65,134,500 | 4,523 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 1,466 |
| Cost of funding earning assets | 0.8581% | 2,232 |
| Net interest margin | 4.1796% | 1,713 |
| Noninterest income to average assets | 0.7698% | 2,393 |
| Noninterest expense to average assets | 2.4569% | 5,233 |
| Loan and lease loss provision to assets | 0.2243% | 2,887 |
| Net operating income to assets | 1.9204% | 415 |
| Return on assets (ROA) | 1.9204% | 458 |
| Pretax return on assets | 1.9204% | 714 |
| Return on Equity (ROE) | 21.3540% | 243 |
| Retained earnings to average equity (ytd only) | 3.1377% | 4,030 |
| Net charge-offs to loans | 0.2272% | 3,574 |
| Credit loss provision to net charge-offs | 149.0066% | 1,831 |
| Earnings coverage of net charge-offs (x) | 14.2450% | 1,746 |
| Efficiency ratio | 53.3911% | 6,333 |
| Assets per employee ($millions) | 4.0384% | 3,874 |
| Cash dividends to net income (ytd only)* | 85.3063% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 6,129 |
| Loan loss allowance to noncurrent loans | 117.8368% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 4,168 |
| Noncurrent loans to loans | 0.8057% | 4,578 |
| Net loans and leases to total assets | 61.7059% | 3,299 |
| Net loans and leases to deposits | 67.9589% | 3,989 |
| Net loans and leases to core deposits | 69.8258% | 4,337 |
| Total domestic deposits to total assets | 90.7989% | 566 |
| Equity capital to assets | 9.0830% | 5,422 |
| Core capital (leverage) ratio | 9.4702% | 4,148 |
| Tier 1 risk-based capital ratio | 14.0086% | 4,377 |
| Total risk-based capital ratio | 14.9454% | 4,555 |
| Memoranda: | ||
| Average total assets | $100,290,800 | 4,826 |
| Average earning assets | $91,946,800 | 4,812 |
| Average equity | $9,019,400 | 5,220 |
| Average total loans | $66,472,200 | 4,481 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 1,397 |
| Cost of funding earning assets | 0.8887% | 2,249 |
| Net interest margin | 4.2263% | 1,657 |
| Noninterest income to average assets | 0.7722% | 2,365 |
| Noninterest expense to average assets | 2.4954% | 5,101 |
| Loan and lease loss provision to assets | 0.3027% | 2,182 |
| Net operating income to assets | 1.8510% | 519 |
| Return on assets (ROA) | 1.8510% | 587 |
| Pretax return on assets | 1.8510% | 956 |
| Return on Equity (ROE) | 20.6369% | 300 |
| Retained earnings to average equity (ytd only) | -4.0044% | 6,554 |
| Net charge-offs to loans | 0.2238% | 3,376 |
| Credit loss provision to net charge-offs | 200.8929% | 1,371 |
| Earnings coverage of net charge-offs (x) | 14.2946% | 1,842 |
| Efficiency ratio | 53.6748% | 6,289 |
| Assets per employee ($millions) | 3.6512% | 4,654 |
| Cash dividends to net income (ytd only)* | 119.4040% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,173 |
| Loan loss allowance to noncurrent loans | 109.0909% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 4,268 |
| Noncurrent loans to loans | 0.8940% | 4,646 |
| Net loans and leases to total assets | 70.5955% | 1,803 |
| Net loans and leases to deposits | 78.2087% | 2,634 |
| Net loans and leases to core deposits | 80.2589% | 3,175 |
| Total domestic deposits to total assets | 90.2656% | 694 |
| Equity capital to assets | 9.4837% | 5,225 |
| Core capital (leverage) ratio | 9.1899% | 4,778 |
| Tier 1 risk-based capital ratio | 13.3055% | 5,019 |
| Total risk-based capital ratio | 14.3107% | 5,155 |
| Memoranda: | ||
| Average total assets | $99,114,000 | 4,901 |
| Average earning assets | $90,920,000 | 4,889 |
| Average equity | $8,890,000 | 5,299 |
| Average total loans | $66,737,500 | 4,515 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0976% | 1,509 |
| Cost of funding earning assets | 0.8952% | 2,439 |
| Net interest margin | 4.2024% | 1,745 |
| Noninterest income to average assets | 0.7800% | 2,291 |
| Noninterest expense to average assets | 2.4535% | 5,282 |
| Loan and lease loss provision to assets | 0.2985% | 2,194 |
| Net operating income to assets | 1.8765% | 484 |
| Return on assets (ROA) | 1.8765% | 554 |
| Pretax return on assets | 1.8765% | 891 |
| Return on Equity (ROE) | 21.3051% | 275 |
| Retained earnings to average equity (ytd only) | -9.2405% | 6,814 |
| Net charge-offs to loans | 0.1837% | 3,488 |
| Credit loss provision to net charge-offs | 245.9016% | 1,170 |
| Earnings coverage of net charge-offs (x) | 17.9180% | 1,507 |
| Efficiency ratio | 53.0095% | 6,414 |
| Assets per employee ($millions) | 3.6804% | 4,560 |
| Cash dividends to net income (ytd only)* | 143.3722% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 6,316 |
| Loan loss allowance to noncurrent loans | 504.7619% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 5,392 |
| Noncurrent loans to loans | 0.1890% | 6,206 |
| Net loans and leases to total assets | 69.0177% | 2,098 |
| Net loans and leases to deposits | 76.2155% | 2,958 |
| Net loans and leases to core deposits | 77.7223% | 3,560 |
| Total domestic deposits to total assets | 90.5560% | 634 |
| Equity capital to assets | 9.2350% | 5,425 |
| Core capital (leverage) ratio | 8.8147% | 5,198 |
| Tier 1 risk-based capital ratio | 13.3083% | 4,961 |
| Total risk-based capital ratio | 14.2932% | 5,132 |
| Memoranda: | ||
| Average total assets | $100,508,330 | 4,890 |
| Average earning assets | $92,042,670 | 4,868 |
| Average equity | $8,852,330 | 5,303 |
| Average total loans | $66,424,330 | 4,546 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 2,018 |
| Cost of funding earning assets | 0.9051% | 2,647 |
| Net interest margin | 4.0602% | 2,256 |
| Noninterest income to average assets | 0.7540% | 2,374 |
| Noninterest expense to average assets | 2.3747% | 5,556 |
| Loan and lease loss provision to assets | 0.2915% | 2,135 |
| Net operating income to assets | 1.7840% | 616 |
| Return on assets (ROA) | 1.7840% | 691 |
| Pretax return on assets | 1.7840% | 1,109 |
| Return on Equity (ROE) | 20.7223% | 335 |
| Retained earnings to average equity (ytd only) | -33.0474% | 7,151 |
| Net charge-offs to loans | 0.1448% | 3,231 |
| Credit loss provision to net charge-offs | 312.5000% | 947 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,132 |
| Efficiency ratio | 53.3624% | 6,405 |
| Assets per employee ($millions) | 3.6861% | 4,687 |
| Cash dividends to net income (ytd only)* | 259.4771% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 6,491 |
| Loan loss allowance to noncurrent loans | 141.3712% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 4,853 |
| Noncurrent loans to loans | 0.6514% | 5,338 |
| Net loans and leases to total assets | 64.6420% | 2,730 |
| Net loans and leases to deposits | 70.7841% | 3,616 |
| Net loans and leases to core deposits | 71.9100% | 4,162 |
| Total domestic deposits to total assets | 91.3228% | 430 |
| Equity capital to assets | 8.5114% | 6,074 |
| Core capital (leverage) ratio | 8.1346% | 6,111 |
| Tier 1 risk-based capital ratio | 12.9123% | 5,274 |
| Total risk-based capital ratio | 13.8459% | 5,489 |
| Memoranda: | ||
| Average total assets | $102,917,500 | 4,868 |
| Average earning assets | $93,689,500 | 4,858 |
| Average equity | $8,860,000 | 5,323 |
| Average total loans | $66,297,000 | 4,576 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 1,436 |
| Cost of funding earning assets | 1.0469% | 3,045 |
| Net interest margin | 4.3452% | 1,558 |
| Noninterest income to average assets | 0.8831% | 1,733 |
| Noninterest expense to average assets | 2.5253% | 5,376 |
| Loan and lease loss provision to assets | 0.2016% | 4,166 |
| Net operating income to assets | 2.1271% | 254 |
| Return on assets (ROA) | 2.1412% | 266 |
| Pretax return on assets | 2.1453% | 409 |
| Return on Equity (ROE) | 24.9724% | 105 |
| Retained earnings to average equity (ytd only) | 4.0562% | 3,302 |
| Net charge-offs to loans | 0.6474% | 2,529 |
| Credit loss provision to net charge-offs | 46.0829% | 5,511 |
| Earnings coverage of net charge-offs (x) | 5.3318% | 2,829 |
| Efficiency ratio | 51.9817% | 6,698 |
| Assets per employee ($millions) | 4.4296% | 3,020 |
| Cash dividends to net income (ytd only)* | 83.7571% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 6,716 |
| Loan loss allowance to noncurrent loans | 108.3168% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7224% | 5,198 |
| Noncurrent loans to loans | 0.7464% | 5,205 |
| Net loans and leases to total assets | 63.1305% | 3,375 |
| Net loans and leases to deposits | 69.2389% | 4,240 |
| Net loans and leases to core deposits | 69.8835% | 4,789 |
| Total domestic deposits to total assets | 91.1777% | 435 |
| Equity capital to assets | 8.7000% | 5,900 |
| Core capital (leverage) ratio | 9.2393% | 4,409 |
| Tier 1 risk-based capital ratio | 13.2110% | 4,905 |
| Total risk-based capital ratio | 14.0136% | 5,243 |
| Memoranda: | ||
| Average total assets | $99,194,800 | 4,908 |
| Average earning assets | $90,743,800 | 4,905 |
| Average equity | $8,505,400 | 5,404 |
| Average total loans | $67,042,200 | 4,596 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 1,361 |
| Cost of funding earning assets | 1.1040% | 2,953 |
| Net interest margin | 4.3576% | 1,538 |
| Noninterest income to average assets | 0.8718% | 1,748 |
| Noninterest expense to average assets | 2.6292% | 4,975 |
| Loan and lease loss provision to assets | 0.1848% | 4,187 |
| Net operating income to assets | 2.0462% | 316 |
| Return on assets (ROA) | 2.0462% | 339 |
| Pretax return on assets | 2.0503% | 568 |
| Return on Equity (ROE) | 23.9591% | 167 |
| Retained earnings to average equity (ytd only) | -4.5515% | 6,566 |
| Net charge-offs to loans | 0.4246% | 3,020 |
| Credit loss provision to net charge-offs | 63.3803% | 4,695 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,318 |
| Efficiency ratio | 54.0518% | 6,480 |
| Assets per employee ($millions) | 4.0820% | 3,670 |
| Cash dividends to net income (ytd only)* | 118.9968% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,193 |
| Loan loss allowance to noncurrent loans | 131.6479% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 4,566 |
| Noncurrent loans to loans | 0.7711% | 5,329 |
| Net loans and leases to total assets | 73.0101% | 1,504 |
| Net loans and leases to deposits | 80.6397% | 2,574 |
| Net loans and leases to core deposits | 80.8891% | 3,502 |
| Total domestic deposits to total assets | 90.5386% | 615 |
| Equity capital to assets | 9.2015% | 5,512 |
| Core capital (leverage) ratio | 8.9954% | 4,936 |
| Tier 1 risk-based capital ratio | 12.3958% | 5,584 |
| Total risk-based capital ratio | 13.4365% | 5,734 |
| Memoranda: | ||
| Average total assets | $97,416,000 | 4,999 |
| Average earning assets | $89,252,500 | 4,979 |
| Average equity | $8,319,500 | 5,507 |
| Average total loans | $66,887,500 | 4,634 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 1,698 |
| Cost of funding earning assets | 1.1370% | 2,985 |
| Net interest margin | 4.2208% | 1,953 |
| Noninterest income to average assets | 0.7911% | 2,069 |
| Noninterest expense to average assets | 2.5398% | 5,397 |
| Loan and lease loss provision to assets | 0.1826% | 4,090 |
| Net operating income to assets | 1.9332% | 382 |
| Return on assets (ROA) | 1.9332% | 403 |
| Pretax return on assets | 1.9393% | 654 |
| Return on Equity (ROE) | 23.2071% | 192 |
| Retained earnings to average equity (ytd only) | -16.6322% | 7,079 |
| Net charge-offs to loans | 0.2269% | 3,765 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 13.9467% | 1,510 |
| Efficiency ratio | 54.4822% | 6,573 |
| Assets per employee ($millions) | 3.4865% | 4,978 |
| Cash dividends to net income (ytd only)* | 171.6684% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 5,528 |
| Loan loss allowance to noncurrent loans | 89.0380% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.6912% | 3,653 |
| Noncurrent loans to loans | 1.3515% | 4,395 |
| Net loans and leases to total assets | 69.4269% | 2,335 |
| Net loans and leases to deposits | 77.0914% | 3,279 |
| Net loans and leases to core deposits | 77.6040% | 4,102 |
| Total domestic deposits to total assets | 90.0579% | 945 |
| Equity capital to assets | 8.6631% | 5,985 |
| Core capital (leverage) ratio | 8.2189% | 6,003 |
| Tier 1 risk-based capital ratio | 12.0824% | 5,721 |
| Total risk-based capital ratio | 13.2884% | 5,720 |
| Memoranda: | ||
| Average total assets | $98,592,330 | 5,001 |
| Average earning assets | $90,410,000 | 4,981 |
| Average equity | $8,213,000 | 5,547 |
| Average total loans | $66,100,000 | 4,727 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 1,966 |
| Cost of funding earning assets | 1.1541% | 3,134 |
| Net interest margin | 4.1194% | 2,194 |
| Noninterest income to average assets | 0.7459% | 2,276 |
| Noninterest expense to average assets | 2.4995% | 5,556 |
| Loan and lease loss provision to assets | 0.1785% | 3,834 |
| Net operating income to assets | 1.8330% | 462 |
| Return on assets (ROA) | 1.8330% | 490 |
| Pretax return on assets | 1.8488% | 741 |
| Return on Equity (ROE) | 22.4217% | 233 |
| Retained earnings to average equity (ytd only) | -43.0963% | 7,369 |
| Net charge-offs to loans | -0.0182% | 6,540 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2147% | 6,590 |
| Assets per employee ($millions) | 3.5305% | 4,923 |
| Cash dividends to net income (ytd only)* | 292.2078% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 5,207 |
| Loan loss allowance to noncurrent loans | 108.3660% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1917% | 4,570 |
| Noncurrent loans to loans | 1.1853% | 4,705 |
| Net loans and leases to total assets | 64.4533% | 3,364 |
| Net loans and leases to deposits | 71.6846% | 4,113 |
| Net loans and leases to core deposits | 72.5077% | 4,723 |
| Total domestic deposits to total assets | 89.9123% | 1,202 |
| Equity capital to assets | 7.8946% | 6,602 |
| Core capital (leverage) ratio | 7.8590% | 6,409 |
| Tier 1 risk-based capital ratio | 11.8248% | 5,838 |
| Total risk-based capital ratio | 13.0744% | 5,837 |
| Memoranda: | ||
| Average total assets | $100,821,000 | 4,986 |
| Average earning assets | $92,537,000 | 4,957 |
| Average equity | $8,242,000 | 5,539 |
| Average total loans | $66,074,500 | 4,761 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5117% | 311 |
| Cost of funding earning assets | 1.5368% | 2,427 |
| Net interest margin | 4.9749% | 460 |
| Noninterest income to average assets | 0.7638% | 2,463 |
| Noninterest expense to average assets | 2.6860% | 5,052 |
| Loan and lease loss provision to assets | 0.3165% | 4,275 |
| Net operating income to assets | 2.2249% | 182 |
| Return on assets (ROA) | 2.2249% | 192 |
| Pretax return on assets | 2.2249% | 304 |
| Return on Equity (ROE) | 26.4564% | 78 |
| Retained earnings to average equity (ytd only) | 8.5554% | 827 |
| Net charge-offs to loans | 0.2653% | 4,709 |
| Credit loss provision to net charge-offs | 164.8352% | 2,088 |
| Earnings coverage of net charge-offs (x) | 13.2363% | 1,429 |
| Efficiency ratio | 51.3824% | 7,034 |
| Assets per employee ($millions) | 3.9534% | 3,878 |
| Cash dividends to net income (ytd only)* | 67.6624% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,713 |
| Loan loss allowance to noncurrent loans | 650.8333% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 5,793 |
| Noncurrent loans to loans | 0.1775% | 6,712 |
| Net loans and leases to total assets | 65.0118% | 3,660 |
| Net loans and leases to deposits | 72.6730% | 4,401 |
| Net loans and leases to core deposits | 73.4397% | 5,051 |
| Total domestic deposits to total assets | 89.4580% | 1,409 |
| Equity capital to assets | 8.4445% | 5,930 |
| Core capital (leverage) ratio | 9.0726% | 4,409 |
| Tier 1 risk-based capital ratio | 12.6193% | 4,921 |
| Total risk-based capital ratio | 13.7577% | 5,000 |
| Memoranda: | ||
| Average total assets | $94,788,800 | 5,134 |
| Average earning assets | $85,046,400 | 5,178 |
| Average equity | $7,971,600 | 5,722 |
| Average total loans | $68,600,000 | 4,734 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7776% | 207 |
| Cost of funding earning assets | 1.6027% | 2,374 |
| Net interest margin | 5.1749% | 314 |
| Noninterest income to average assets | 0.7544% | 2,483 |
| Noninterest expense to average assets | 2.8350% | 4,330 |
| Loan and lease loss provision to assets | 0.3233% | 4,004 |
| Net operating income to assets | 2.2172% | 234 |
| Return on assets (ROA) | 2.2172% | 249 |
| Pretax return on assets | 2.2172% | 393 |
| Return on Equity (ROE) | 26.3940% | 89 |
| Retained earnings to average equity (ytd only) | 2.1554% | 4,882 |
| Net charge-offs to loans | 0.2653% | 4,355 |
| Credit loss provision to net charge-offs | 164.2336% | 2,292 |
| Earnings coverage of net charge-offs (x) | 12.9052% | 1,641 |
| Efficiency ratio | 52.7399% | 6,912 |
| Assets per employee ($millions) | 3.3430% | 5,346 |
| Cash dividends to net income (ytd only)* | 91.8344% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,906 |
| Loan loss allowance to noncurrent loans | 89.2985% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9654% | 3,515 |
| Noncurrent loans to loans | 1.2413% | 4,773 |
| Net loans and leases to total assets | 74.2322% | 1,753 |
| Net loans and leases to deposits | 84.0372% | 2,697 |
| Net loans and leases to core deposits | 84.3047% | 3,895 |
| Total domestic deposits to total assets | 88.3326% | 1,774 |
| Equity capital to assets | 9.2023% | 5,305 |
| Core capital (leverage) ratio | 8.9877% | 4,713 |
| Tier 1 risk-based capital ratio | 12.1058% | 5,360 |
| Total risk-based capital ratio | 13.2278% | 5,450 |
| Memoranda: | ||
| Average total assets | $92,788,750 | 5,258 |
| Average earning assets | $82,858,750 | 5,310 |
| Average equity | $7,794,500 | 5,861 |
| Average total loans | $68,848,500 | 4,798 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4933% | 339 |
| Cost of funding earning assets | 1.6678% | 2,298 |
| Net interest margin | 4.8255% | 632 |
| Noninterest income to average assets | 0.7305% | 2,514 |
| Noninterest expense to average assets | 2.8174% | 4,409 |
| Loan and lease loss provision to assets | 0.9655% | 1,510 |
| Net operating income to assets | 1.2304% | 1,484 |
| Return on assets (ROA) | 1.2304% | 1,548 |
| Pretax return on assets | 1.2304% | 2,318 |
| Return on Equity (ROE) | 15.1102% | 838 |
| Retained earnings to average equity (ytd only) | -14.5593% | 7,091 |
| Net charge-offs to loans | 1.3148% | 1,445 |
| Credit loss provision to net charge-offs | 99.3407% | 4,134 |
| Earnings coverage of net charge-offs (x) | 2.2593% | 3,878 |
| Efficiency ratio | 56.1994% | 6,614 |
| Assets per employee ($millions) | 3.3544% | 5,301 |
| Cash dividends to net income (ytd only)* | 196.3542% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 6,555 |
| Loan loss allowance to noncurrent loans | 49.4012% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 2.2226% | 3,233 |
| Noncurrent loans to loans | 1.9499% | 3,795 |
| Net loans and leases to total assets | 74.9222% | 1,714 |
| Net loans and leases to deposits | 83.9690% | 2,874 |
| Net loans and leases to core deposits | 85.5700% | 3,895 |
| Total domestic deposits to total assets | 89.2260% | 1,317 |
| Equity capital to assets | 8.3692% | 6,329 |
| Core capital (leverage) ratio | 8.0761% | 6,157 |
| Tier 1 risk-based capital ratio | 10.9751% | 6,262 |
| Total risk-based capital ratio | 11.9510% | 6,516 |
| Memoranda: | ||
| Average total assets | $93,631,670 | 5,263 |
| Average earning assets | $83,101,000 | 5,332 |
| Average equity | $7,624,000 | 5,916 |
| Average total loans | $69,213,670 | 4,815 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5766% | 315 |
| Cost of funding earning assets | 1.7550% | 2,103 |
| Net interest margin | 4.8216% | 615 |
| Noninterest income to average assets | 0.7482% | 2,310 |
| Noninterest expense to average assets | 2.7994% | 4,483 |
| Loan and lease loss provision to assets | 1.5847% | 731 |
| Net operating income to assets | 0.6137% | 3,841 |
| Return on assets (ROA) | 0.6137% | 3,984 |
| Pretax return on assets | 0.6137% | 4,554 |
| Return on Equity (ROE) | 7.6380% | 3,052 |
| Retained earnings to average equity (ytd only) | -44.1538% | 7,668 |
| Net charge-offs to loans | 2.3634% | 713 |
| Credit loss provision to net charge-offs | 91.7275% | 3,626 |
| Earnings coverage of net charge-offs (x) | 1.2725% | 3,988 |
| Efficiency ratio | 56.0135% | 6,759 |
| Assets per employee ($millions) | 3.3793% | 5,341 |
| Cash dividends to net income (ytd only)* | 678.0822% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 6,792 |
| Loan loss allowance to noncurrent loans | 48.4592% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.1909% | 3,289 |
| Noncurrent loans to loans | 1.8898% | 3,937 |
| Net loans and leases to total assets | 74.5874% | 1,836 |
| Net loans and leases to deposits | 83.1450% | 3,083 |
| Net loans and leases to core deposits | 84.4460% | 4,148 |
| Total domestic deposits to total assets | 89.7076% | 1,134 |
| Equity capital to assets | 7.9240% | 6,732 |
| Core capital (leverage) ratio | 7.4323% | 6,909 |
| Tier 1 risk-based capital ratio | 10.3936% | 6,723 |
| Total risk-based capital ratio | 11.3103% | 6,986 |
| Memoranda: | ||
| Average total assets | $95,162,500 | 5,281 |
| Average earning assets | $83,872,500 | 5,366 |
| Average equity | $7,646,000 | 5,959 |
| Average total loans | $69,562,000 | 4,882 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7665% | 406 |
| Cost of funding earning assets | 2.1519% | 2,228 |
| Net interest margin | 4.6145% | 951 |
| Noninterest income to average assets | 0.8600% | 2,142 |
| Noninterest expense to average assets | 2.7018% | 5,382 |
| Loan and lease loss provision to assets | 0.3429% | 4,738 |
| Net operating income to assets | 1.9997% | 230 |
| Return on assets (ROA) | 1.9997% | 241 |
| Pretax return on assets | 2.0030% | 398 |
| Return on Equity (ROE) | 24.1520% | 105 |
| Retained earnings to average equity (ytd only) | 7.0339% | 953 |
| Net charge-offs to loans | 0.1809% | 5,514 |
| Credit loss provision to net charge-offs | 252.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 17.2400% | 1,200 |
| Efficiency ratio | 53.5260% | 7,274 |
| Assets per employee ($millions) | 3.5387% | 4,924 |
| Cash dividends to net income (ytd only)* | 70.8764% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 6,672 |
| Loan loss allowance to noncurrent loans | 47.9046% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.0125% | 3,380 |
| Noncurrent loans to loans | 1.9648% | 3,703 |
| Net loans and leases to total assets | 70.4228% | 3,152 |
| Net loans and leases to deposits | 78.5388% | 4,267 |
| Net loans and leases to core deposits | 96.3026% | 4,426 |
| Total domestic deposits to total assets | 89.6662% | 1,126 |
| Equity capital to assets | 8.1366% | 6,420 |
| Core capital (leverage) ratio | 8.5352% | 5,226 |
| Tier 1 risk-based capital ratio | 10.9403% | 5,970 |
| Total risk-based capital ratio | 11.8496% | 6,278 |
| Memoranda: | ||
| Average total assets | $91,863,800 | 5,340 |
| Average earning assets | $83,366,800 | 5,347 |
| Average equity | $7,606,000 | 6,049 |
| Average total loans | $69,085,200 | 4,898 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8549% | 384 |
| Cost of funding earning assets | 2.2490% | 2,190 |
| Net interest margin | 4.6059% | 982 |
| Noninterest income to average assets | 0.8794% | 2,061 |
| Noninterest expense to average assets | 2.8025% | 4,888 |
| Loan and lease loss provision to assets | 0.3923% | 3,963 |
| Net operating income to assets | 1.9128% | 348 |
| Return on assets (ROA) | 1.9128% | 376 |
| Pretax return on assets | 1.9172% | 638 |
| Return on Equity (ROE) | 22.9928% | 175 |
| Retained earnings to average equity (ytd only) | 2.3313% | 4,022 |
| Net charge-offs to loans | 0.2657% | 4,380 |
| Credit loss provision to net charge-offs | 193.4307% | 2,332 |
| Earnings coverage of net charge-offs (x) | 11.3870% | 1,857 |
| Efficiency ratio | 54.8219% | 7,140 |
| Assets per employee ($millions) | 3.2286% | 5,576 |
| Cash dividends to net income (ytd only)* | 89.8608% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,930 |
| Loan loss allowance to noncurrent loans | 51.1489% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.6195% | 3,926 |
| Noncurrent loans to loans | 1.6761% | 4,134 |
| Net loans and leases to total assets | 76.8808% | 1,806 |
| Net loans and leases to deposits | 87.2876% | 3,092 |
| Net loans and leases to core deposits | 111.1714% | 3,107 |
| Total domestic deposits to total assets | 88.0776% | 1,621 |
| Equity capital to assets | 8.5630% | 6,167 |
| Core capital (leverage) ratio | 8.2949% | 5,846 |
| Tier 1 risk-based capital ratio | 10.9154% | 6,034 |
| Total risk-based capital ratio | 11.7817% | 6,394 |
| Memoranda: | ||
| Average total assets | $90,059,000 | 5,425 |
| Average earning assets | $82,760,500 | 5,403 |
| Average equity | $7,492,000 | 6,151 |
| Average total loans | $68,746,500 | 4,961 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8164% | 439 |
| Cost of funding earning assets | 2.3458% | 2,182 |
| Net interest margin | 4.4706% | 1,245 |
| Noninterest income to average assets | 0.8539% | 2,164 |
| Noninterest expense to average assets | 2.8284% | 4,835 |
| Loan and lease loss provision to assets | 0.2001% | 5,056 |
| Net operating income to assets | 1.9123% | 365 |
| Return on assets (ROA) | 1.9123% | 396 |
| Pretax return on assets | 1.9190% | 670 |
| Return on Equity (ROE) | 23.2150% | 188 |
| Retained earnings to average equity (ytd only) | -4.3191% | 6,190 |
| Net charge-offs to loans | 0.3075% | 3,650 |
| Credit loss provision to net charge-offs | 85.7143% | 5,038 |
| Earnings coverage of net charge-offs (x) | 9.0762% | 2,177 |
| Efficiency ratio | 57.1685% | 6,970 |
| Assets per employee ($millions) | 3.2144% | 5,551 |
| Cash dividends to net income (ytd only)* | 118.6047% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 7,474 |
| Loan loss allowance to noncurrent loans | 29.7017% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 2.0307% | 3,159 |
| Noncurrent loans to loans | 2.2788% | 3,160 |
| Net loans and leases to total assets | 72.1006% | 3,198 |
| Net loans and leases to deposits | 80.4121% | 4,481 |
| Net loans and leases to core deposits | 103.2745% | 4,150 |
| Total domestic deposits to total assets | 89.6639% | 974 |
| Equity capital to assets | 7.8226% | 6,952 |
| Core capital (leverage) ratio | 7.8608% | 6,542 |
| Tier 1 risk-based capital ratio | 10.6624% | 6,223 |
| Total risk-based capital ratio | 11.3330% | 6,766 |
| Memoranda: | ||
| Average total assets | $89,945,000 | 5,461 |
| Average earning assets | $82,359,670 | 5,453 |
| Average equity | $7,409,000 | 6,215 |
| Average total loans | $68,294,670 | 5,024 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8153% | 472 |
| Cost of funding earning assets | 2.4190% | 2,214 |
| Net interest margin | 4.3964% | 1,348 |
| Noninterest income to average assets | 0.8606% | 2,032 |
| Noninterest expense to average assets | 2.7721% | 4,690 |
| Loan and lease loss provision to assets | 0.1359% | 5,220 |
| Net operating income to assets | 1.9975% | 353 |
| Return on assets (ROA) | 1.9975% | 402 |
| Pretax return on assets | 2.0111% | 658 |
| Return on Equity (ROE) | 23.6224% | 232 |
| Retained earnings to average equity (ytd only) | -24.4258% | 7,758 |
| Net charge-offs to loans | 0.4198% | 2,430 |
| Credit loss provision to net charge-offs | 41.6667% | 4,802 |
| Earnings coverage of net charge-offs (x) | 6.5833% | 2,478 |
| Efficiency ratio | 56.3536% | 6,919 |
| Assets per employee ($millions) | 3.4329% | 4,985 |
| Cash dividends to net income (ytd only)* | 203.4014% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 7,583 |
| Loan loss allowance to noncurrent loans | 30.9182% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 1.9013% | 3,057 |
| Noncurrent loans to loans | 2.0764% | 3,156 |
| Net loans and leases to total assets | 74.7322% | 2,569 |
| Net loans and leases to deposits | 83.5521% | 4,049 |
| Net loans and leases to core deposits | 108.0298% | 3,676 |
| Total domestic deposits to total assets | 89.4438% | 1,035 |
| Equity capital to assets | 8.0174% | 6,777 |
| Core capital (leverage) ratio | 7.8810% | 6,650 |
| Tier 1 risk-based capital ratio | 10.4538% | 6,439 |
| Total risk-based capital ratio | 11.0988% | 6,989 |
| Memoranda: | ||
| Average total assets | $88,309,000 | 5,546 |
| Average earning assets | $81,522,000 | 5,503 |
| Average equity | $7,467,500 | 6,234 |
| Average total loans | $68,608,000 | 5,030 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5445% | 379 |
| Cost of funding earning assets | 2.9488% | 2,061 |
| Net interest margin | 4.5957% | 1,189 |
| Noninterest income to average assets | 1.0436% | 1,449 |
| Noninterest expense to average assets | 2.7986% | 4,823 |
| Loan and lease loss provision to assets | 0.2952% | 4,023 |
| Net operating income to assets | 2.1586% | 258 |
| Return on assets (ROA) | 2.1586% | 253 |
| Pretax return on assets | 2.1586% | 433 |
| Return on Equity (ROE) | 26.6872% | 104 |
| Retained earnings to average equity (ytd only) | 17.7202% | 50 |
| Net charge-offs to loans | 0.3621% | 3,024 |
| Credit loss provision to net charge-offs | 101.9920% | 5,220 |
| Earnings coverage of net charge-offs (x) | 8.4781% | 2,878 |
| Efficiency ratio | 53.2821% | 7,352 |
| Assets per employee ($millions) | 3.4945% | 4,677 |
| Cash dividends to net income (ytd only)* | 33.6004% | 3,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 7,489 |
| Loan loss allowance to noncurrent loans | 30.7943% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 2.2378% | 2,177 |
| Noncurrent loans to loans | 2.1917% | 2,521 |
| Net loans and leases to total assets | 79.6788% | 1,731 |
| Net loans and leases to deposits | 90.0411% | 3,448 |
| Net loans and leases to core deposits | 115.4340% | 3,190 |
| Total domestic deposits to total assets | 88.4916% | 1,252 |
| Equity capital to assets | 8.9043% | 5,496 |
| Core capital (leverage) ratio | 8.5279% | 5,522 |
| Tier 1 risk-based capital ratio | 10.7581% | 5,952 |
| Total risk-based capital ratio | 11.4418% | 6,394 |
| Memoranda: | ||
| Average total assets | $86,721,200 | 5,455 |
| Average earning assets | $79,421,800 | 5,450 |
| Average equity | $7,014,600 | 6,448 |
| Average total loans | $69,314,000 | 4,898 |