Home > Bank of Bozeman > Performance and Condition Ratios
Bank of Bozeman, 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 | 6.0115% | 1,161 |
| Cost of funding earning assets | 2.2101% | 1,417 |
| Net interest margin | 3.8015% | 1,676 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 3.3756% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4948% | 3,573 |
| Return on assets (ROA) | 0.4948% | 3,590 |
| Pretax return on assets | 0.5466% | 3,651 |
| Return on Equity (ROE) | 5.4100% | 3,467 |
| Retained earnings to average equity (ytd only) | 5.4092% | 2,461 |
| Net charge-offs to loans | -0.0107% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 86.0631% | 640 |
| Assets per employee ($millions) | 4.5920% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 746 |
| Loan loss allowance to noncurrent loans | 474.7082% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 2,263 |
| Noncurrent loans to loans | 0.3456% | 2,267 |
| Net loans and leases to total assets | 72.3900% | 1,543 |
| Net loans and leases to deposits | 86.6701% | 1,434 |
| Net loans and leases to core deposits | 105.9406% | 1,032 |
| Total domestic deposits to total assets | 83.5300% | 3,026 |
| Equity capital to assets | 9.1730% | 2,809 |
| Core capital (leverage) ratio | 10.1501% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7608% | 1,956 |
| Memoranda: | ||
| Average total assets | $100,249,000 | 3,768 |
| Average earning assets | $93,753,500 | 3,750 |
| Average equity | $9,169,500 | 3,860 |
| Average total loans | $74,829,000 | 3,513 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1307% | 1,129 |
| Cost of funding earning assets | 2.4654% | 1,221 |
| Net interest margin | 3.6654% | 1,756 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 3.2852% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4008% | 3,678 |
| Return on assets (ROA) | 0.4008% | 3,702 |
| Pretax return on assets | 0.4798% | 3,694 |
| Return on Equity (ROE) | 4.9500% | 3,526 |
| Retained earnings to average equity (ytd only) | 4.9508% | 2,255 |
| Net charge-offs to loans | 0.0884% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,433 |
| Efficiency ratio | 87.2564% | 624 |
| Assets per employee ($millions) | 4.7368% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8379% | 502 |
| Loan loss allowance to noncurrent loans | 1,040.6015% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 2,795 |
| Noncurrent loans to loans | 0.1766% | 2,804 |
| Net loans and leases to total assets | 74.3100% | 1,366 |
| Net loans and leases to deposits | 89.0624% | 1,289 |
| Net loans and leases to core deposits | 108.0054% | 1,023 |
| Total domestic deposits to total assets | 83.4400% | 2,926 |
| Equity capital to assets | 9.1201% | 2,734 |
| Core capital (leverage) ratio | 9.7252% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8600% | 1,921 |
| Memoranda: | ||
| Average total assets | $106,294,600 | 3,724 |
| Average earning assets | $99,498,800 | 3,705 |
| Average equity | $8,604,600 | 3,913 |
| Average total loans | $76,925,000 | 3,461 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9382% | 1,346 |
| Cost of funding earning assets | 2.4568% | 1,250 |
| Net interest margin | 3.4814% | 2,070 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 3.1987% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.3086% | 3,846 |
| Return on assets (ROA) | 0.3086% | 3,879 |
| Pretax return on assets | 0.3753% | 3,849 |
| Return on Equity (ROE) | 3.9300% | 3,738 |
| Retained earnings to average equity (ytd only) | 3.9271% | 2,882 |
| Net charge-offs to loans | 0.1172% | 886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 4.4706% | 2,441 |
| Efficiency ratio | 89.4991% | 558 |
| Assets per employee ($millions) | 5.0514% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7927% | 553 |
| Loan loss allowance to noncurrent loans | 1,072.8682% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 2,885 |
| Noncurrent loans to loans | 0.1671% | 2,879 |
| Net loans and leases to total assets | 71.4700% | 1,669 |
| Net loans and leases to deposits | 84.5577% | 1,772 |
| Net loans and leases to core deposits | 100.6705% | 1,439 |
| Total domestic deposits to total assets | 84.5200% | 2,441 |
| Equity capital to assets | 8.6068% | 3,323 |
| Core capital (leverage) ratio | 9.3775% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2761% | 2,160 |
| Memoranda: | ||
| Average total assets | $108,000,000 | 3,724 |
| Average earning assets | $101,105,750 | 3,705 |
| Average equity | $8,487,750 | 3,938 |
| Average total loans | $77,330,250 | 3,464 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8806% | 1,336 |
| Cost of funding earning assets | 2.4325% | 1,202 |
| Net interest margin | 3.4480% | 2,079 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 3.2032% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.2853% | 3,867 |
| Return on assets (ROA) | 0.2853% | 3,906 |
| Pretax return on assets | 0.3424% | 3,885 |
| Return on Equity (ROE) | 3.7500% | 3,775 |
| Retained earnings to average equity (ytd only) | 3.7468% | 2,812 |
| Net charge-offs to loans | 0.1628% | 639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 2.9524% | 2,367 |
| Efficiency ratio | 90.3427% | 547 |
| Assets per employee ($millions) | 5.5941% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 534 |
| Loan loss allowance to noncurrent loans | 282.8921% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 1,429 |
| Noncurrent loans to loans | 0.6455% | 1,433 |
| Net loans and leases to total assets | 70.2600% | 1,875 |
| Net loans and leases to deposits | 83.2198% | 1,911 |
| Net loans and leases to core deposits | 96.1848% | 1,722 |
| Total domestic deposits to total assets | 84.4200% | 2,483 |
| Equity capital to assets | 7.8796% | 3,508 |
| Core capital (leverage) ratio | 9.3335% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1712% | 2,182 |
| Memoranda: | ||
| Average total assets | $108,640,333 | 3,728 |
| Average earning assets | $101,623,000 | 3,713 |
| Average equity | $8,273,667 | 3,946 |
| Average total loans | $77,373,333 | 3,464 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7933% | 1,319 |
| Cost of funding earning assets | 2.4434% | 1,090 |
| Net interest margin | 3.3499% | 2,231 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 3.2527% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.1894% | 3,992 |
| Return on assets (ROA) | 0.1894% | 4,028 |
| Pretax return on assets | 0.2295% | 3,996 |
| Return on Equity (ROE) | 2.5300% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.5295% | 3,115 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 93.4100% | 468 |
| Assets per employee ($millions) | 5.5250% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 466 |
| Loan loss allowance to noncurrent loans | 191.5567% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 910 |
| Noncurrent loans to loans | 0.9880% | 878 |
| Net loans and leases to total assets | 68.1200% | 2,006 |
| Net loans and leases to deposits | 79.8767% | 2,069 |
| Net loans and leases to core deposits | 96.9873% | 1,583 |
| Total domestic deposits to total assets | 85.2800% | 2,332 |
| Equity capital to assets | 7.3892% | 3,735 |
| Core capital (leverage) ratio | 9.0546% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7758% | 2,323 |
| Memoranda: | ||
| Average total assets | $109,817,000 | 3,733 |
| Average earning assets | $102,808,000 | 3,720 |
| Average equity | $8,223,000 | 3,972 |
| Average total loans | $78,028,500 | 3,466 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3068% | 1,483 |
| Cost of funding earning assets | 1.7029% | 1,450 |
| Net interest margin | 3.6039% | 1,958 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 3.1326% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4964% | 3,676 |
| Return on assets (ROA) | 0.4964% | 3,677 |
| Pretax return on assets | 0.6039% | 3,625 |
| Return on Equity (ROE) | 7.0800% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.0825% | 1,872 |
| Net charge-offs to loans | 0.0592% | 1,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 14.1064% | 2,087 |
| Efficiency ratio | 83.8372% | 668 |
| Assets per employee ($millions) | 5.4568% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 512 |
| Loan loss allowance to noncurrent loans | 252.5217% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 1,066 |
| Noncurrent loans to loans | 0.7247% | 1,072 |
| Net loans and leases to total assets | 71.3700% | 1,654 |
| Net loans and leases to deposits | 85.7879% | 1,630 |
| Net loans and leases to core deposits | 103.8743% | 1,223 |
| Total domestic deposits to total assets | 83.1900% | 2,841 |
| Equity capital to assets | 7.5878% | 3,666 |
| Core capital (leverage) ratio | 9.1356% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8235% | 2,296 |
| Memoranda: | ||
| Average total assets | $109,782,400 | 3,744 |
| Average earning assets | $102,472,600 | 3,721 |
| Average equity | $7,695,000 | 3,970 |
| Average total loans | $79,346,200 | 3,420 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 1,517 |
| Cost of funding earning assets | 1.5397% | 1,507 |
| Net interest margin | 3.6264% | 1,933 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.1239% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5312% | 3,701 |
| Return on assets (ROA) | 0.5312% | 3,684 |
| Pretax return on assets | 0.6379% | 3,666 |
| Return on Equity (ROE) | 7.7400% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.7364% | 2,063 |
| Net charge-offs to loans | 0.0202% | 1,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 43.8333% | 1,395 |
| Efficiency ratio | 83.0432% | 666 |
| Assets per employee ($millions) | 5.4106% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8721% | 503 |
| Loan loss allowance to noncurrent loans | 204.8209% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6709% | 852 |
| Noncurrent loans to loans | 0.9140% | 902 |
| Net loans and leases to total assets | 72.0300% | 1,571 |
| Net loans and leases to deposits | 89.0023% | 1,306 |
| Net loans and leases to core deposits | 100.8919% | 1,266 |
| Total domestic deposits to total assets | 80.9300% | 3,395 |
| Equity capital to assets | 6.8422% | 3,688 |
| Core capital (leverage) ratio | 8.8381% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5642% | 2,428 |
| Memoranda: | ||
| Average total assets | $109,944,250 | 3,756 |
| Average earning assets | $102,616,000 | 3,731 |
| Average equity | $7,548,500 | 3,990 |
| Average total loans | $79,348,250 | 3,428 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 1,788 |
| Cost of funding earning assets | 1.3643% | 1,543 |
| Net interest margin | 3.5244% | 2,213 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 3.1125% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4307% | 3,946 |
| Return on assets (ROA) | 0.4307% | 3,948 |
| Pretax return on assets | 0.5121% | 3,945 |
| Return on Equity (ROE) | 6.2700% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.2659% | 2,522 |
| Net charge-offs to loans | 0.0303% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 23.5833% | 1,672 |
| Efficiency ratio | 85.8712% | 501 |
| Assets per employee ($millions) | 5.1731% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 576 |
| Loan loss allowance to noncurrent loans | 200.9459% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 818 |
| Noncurrent loans to loans | 0.9075% | 843 |
| Net loans and leases to total assets | 70.3400% | 1,705 |
| Net loans and leases to deposits | 92.8887% | 962 |
| Net loans and leases to core deposits | 99.9401% | 1,245 |
| Total domestic deposits to total assets | 75.7300% | 4,069 |
| Equity capital to assets | 6.5680% | 3,970 |
| Core capital (leverage) ratio | 8.8221% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1741% | 2,582 |
| Memoranda: | ||
| Average total assets | $110,522,000 | 3,764 |
| Average earning assets | $103,053,333 | 3,749 |
| Average equity | $7,596,667 | 4,003 |
| Average total loans | $79,321,333 | 3,424 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,923 |
| Cost of funding earning assets | 1.2149% | 1,413 |
| Net interest margin | 3.4554% | 2,482 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 3.1705% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2902% | 4,262 |
| Return on assets (ROA) | 0.2902% | 4,222 |
| Pretax return on assets | 0.3968% | 4,141 |
| Return on Equity (ROE) | 4.1300% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.1267% | 3,238 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.8774% | 397 |
| Assets per employee ($millions) | 4.9266% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 521 |
| Loan loss allowance to noncurrent loans | 192.9215% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 681 |
| Noncurrent loans to loans | 0.9902% | 735 |
| Net loans and leases to total assets | 71.0100% | 1,521 |
| Net loans and leases to deposits | 85.8623% | 1,362 |
| Net loans and leases to core deposits | 91.7771% | 1,513 |
| Total domestic deposits to total assets | 82.7000% | 3,353 |
| Equity capital to assets | 6.8413% | 3,889 |
| Core capital (leverage) ratio | 8.6662% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2490% | 2,650 |
| Memoranda: | ||
| Average total assets | $108,878,500 | 3,830 |
| Average earning assets | $101,407,500 | 3,807 |
| Average equity | $7,657,500 | 4,038 |
| Average total loans | $78,209,500 | 3,478 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 1,019 |
| Cost of funding earning assets | 0.2525% | 3,298 |
| Net interest margin | 4.0653% | 711 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.3413% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6725% | 3,701 |
| Return on assets (ROA) | 0.6725% | 3,650 |
| Pretax return on assets | 0.8524% | 3,485 |
| Return on Equity (ROE) | 8.8400% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.8379% | 1,530 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.6744% | 742 |
| Assets per employee ($millions) | 4.7553% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 975 |
| Loan loss allowance to noncurrent loans | 618.3168% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 2,258 |
| Noncurrent loans to loans | 0.2591% | 2,235 |
| Net loans and leases to total assets | 70.1300% | 1,628 |
| Net loans and leases to deposits | 79.8476% | 1,782 |
| Net loans and leases to core deposits | 84.3031% | 1,862 |
| Total domestic deposits to total assets | 87.8300% | 2,131 |
| Equity capital to assets | 7.2231% | 3,538 |
| Core capital (leverage) ratio | 8.8391% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6044% | 2,526 |
| Memoranda: | ||
| Average total assets | $108,400,200 | 3,853 |
| Average earning assets | $101,395,800 | 3,825 |
| Average equity | $8,248,600 | 4,073 |
| Average total loans | $72,779,200 | 3,523 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 1,042 |
| Cost of funding earning assets | 0.1946% | 3,338 |
| Net interest margin | 3.9190% | 767 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 3.3506% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5880% | 3,860 |
| Return on assets (ROA) | 0.5880% | 3,822 |
| Pretax return on assets | 0.7359% | 3,722 |
| Return on Equity (ROE) | 7.6300% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.6296% | 2,138 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.9910% | 652 |
| Assets per employee ($millions) | 5.4664% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 955 |
| Loan loss allowance to noncurrent loans | 493.6759% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,074 |
| Noncurrent loans to loans | 0.3353% | 2,027 |
| Net loans and leases to total assets | 67.8700% | 1,691 |
| Net loans and leases to deposits | 73.1657% | 2,113 |
| Net loans and leases to core deposits | 77.0095% | 2,109 |
| Total domestic deposits to total assets | 92.7600% | 645 |
| Equity capital to assets | 6.7833% | 3,624 |
| Core capital (leverage) ratio | 8.7627% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9390% | 2,498 |
| Memoranda: | ||
| Average total assets | $108,157,500 | 3,874 |
| Average earning assets | $101,383,750 | 3,846 |
| Average equity | $8,335,750 | 4,109 |
| Average total loans | $71,485,750 | 3,562 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 953 |
| Cost of funding earning assets | 0.1505% | 3,571 |
| Net interest margin | 3.8366% | 696 |
| Noninterest income to average assets | 0.4398% | 2,507 |
| Noninterest expense to average assets | 3.3424% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5363% | 3,806 |
| Return on assets (ROA) | 0.5363% | 3,759 |
| Pretax return on assets | 0.6941% | 3,594 |
| Return on Equity (ROE) | 6.6880% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.6880% | 2,097 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8046% | 750 |
| Assets per employee ($millions) | 4.5755% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 975 |
| Loan loss allowance to noncurrent loans | 603.3816% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 2,354 |
| Noncurrent loans to loans | 0.2805% | 2,341 |
| Net loans and leases to total assets | 68.9441% | 1,402 |
| Net loans and leases to deposits | 74.8435% | 1,773 |
| Net loans and leases to core deposits | 77.1506% | 1,909 |
| Total domestic deposits to total assets | 92.1177% | 792 |
| Equity capital to assets | 7.4889% | 3,491 |
| Core capital (leverage) ratio | 8.5785% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1115% | 2,447 |
| Memoranda: | ||
| Average total assets | $107,767,667 | 3,915 |
| Average earning assets | $101,026,667 | 3,903 |
| Average equity | $8,642,333 | 4,136 |
| Average total loans | $70,164,333 | 3,617 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 1,176 |
| Cost of funding earning assets | 0.1760% | 3,144 |
| Net interest margin | 3.5747% | 937 |
| Noninterest income to average assets | 0.5283% | 2,003 |
| Noninterest expense to average assets | 3.3384% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4256% | 3,900 |
| Return on assets (ROA) | 0.4256% | 3,864 |
| Pretax return on assets | 0.5430% | 3,773 |
| Return on Equity (ROE) | 5.1424% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.1424% | 2,539 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0113% | 737 |
| Assets per employee ($millions) | 4.6001% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 858 |
| Loan loss allowance to noncurrent loans | 597.6077% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,496 |
| Noncurrent loans to loans | 0.3039% | 2,376 |
| Net loans and leases to total assets | 61.1692% | 1,944 |
| Net loans and leases to deposits | 66.6831% | 2,275 |
| Net loans and leases to core deposits | 69.5074% | 2,333 |
| Total domestic deposits to total assets | 91.7311% | 687 |
| Equity capital to assets | 7.5959% | 3,858 |
| Core capital (leverage) ratio | 8.1478% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5473% | 2,397 |
| Memoranda: | ||
| Average total assets | $109,033,500 | 3,926 |
| Average earning assets | $102,275,000 | 3,911 |
| Average equity | $9,023,000 | 4,157 |
| Average total loans | $68,345,000 | 3,647 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 890 |
| Cost of funding earning assets | 0.3664% | 1,799 |
| Net interest margin | 3.9030% | 851 |
| Noninterest income to average assets | 0.5891% | 2,210 |
| Noninterest expense to average assets | 3.3208% | 608 |
| Loan and lease loss provision to assets | -0.0094% | 4,164 |
| Net operating income to assets | 0.6777% | 3,677 |
| Return on assets (ROA) | 0.6777% | 3,728 |
| Pretax return on assets | 0.9228% | 3,448 |
| Return on Equity (ROE) | 7.5535% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.5535% | 1,704 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4283% | 913 |
| Assets per employee ($millions) | 4.4860% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 811 |
| Loan loss allowance to noncurrent loans | 594.7619% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 2,585 |
| Noncurrent loans to loans | 0.3092% | 2,484 |
| Net loans and leases to total assets | 61.9143% | 1,953 |
| Net loans and leases to deposits | 68.4050% | 2,268 |
| Net loans and leases to core deposits | 71.4217% | 2,309 |
| Total domestic deposits to total assets | 90.5113% | 711 |
| Equity capital to assets | 8.9723% | 3,648 |
| Core capital (leverage) ratio | 8.4206% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0330% | 2,236 |
| Memoranda: | ||
| Average total assets | $106,088,000 | 3,930 |
| Average earning assets | $99,078,800 | 3,917 |
| Average equity | $9,518,800 | 4,191 |
| Average total loans | $72,078,000 | 3,608 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 1,018 |
| Cost of funding earning assets | 0.4127% | 1,603 |
| Net interest margin | 3.8467% | 1,025 |
| Noninterest income to average assets | 0.5992% | 2,221 |
| Noninterest expense to average assets | 3.2723% | 627 |
| Loan and lease loss provision to assets | -0.0123% | 4,327 |
| Net operating income to assets | 0.6862% | 3,800 |
| Return on assets (ROA) | 0.6862% | 3,861 |
| Pretax return on assets | 0.9259% | 3,637 |
| Return on Equity (ROE) | 7.6482% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.6482% | 2,162 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1796% | 862 |
| Assets per employee ($millions) | 4.9292% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 964 |
| Loan loss allowance to noncurrent loans | 219.8944% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 1,455 |
| Noncurrent loans to loans | 0.8105% | 1,406 |
| Net loans and leases to total assets | 63.4702% | 1,839 |
| Net loans and leases to deposits | 70.1328% | 2,229 |
| Net loans and leases to core deposits | 73.3941% | 2,289 |
| Total domestic deposits to total assets | 90.5001% | 565 |
| Equity capital to assets | 8.9365% | 3,889 |
| Core capital (leverage) ratio | 8.1733% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8482% | 2,755 |
| Memoranda: | ||
| Average total assets | $105,693,750 | 3,986 |
| Average earning assets | $98,540,250 | 3,969 |
| Average equity | $9,483,500 | 4,254 |
| Average total loans | $73,120,250 | 3,647 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 836 |
| Cost of funding earning assets | 0.4465% | 1,547 |
| Net interest margin | 3.9710% | 865 |
| Noninterest income to average assets | 0.4696% | 2,757 |
| Noninterest expense to average assets | 3.2431% | 672 |
| Loan and lease loss provision to assets | -0.0191% | 4,427 |
| Net operating income to assets | 0.6604% | 3,852 |
| Return on assets (ROA) | 0.6604% | 3,916 |
| Pretax return on assets | 0.9468% | 3,550 |
| Return on Equity (ROE) | 7.3505% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.3505% | 2,306 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7574% | 928 |
| Assets per employee ($millions) | 4.9268% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 1,106 |
| Loan loss allowance to noncurrent loans | 158.1013% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 1,130 |
| Noncurrent loans to loans | 1.0632% | 1,146 |
| Net loans and leases to total assets | 67.4008% | 1,526 |
| Net loans and leases to deposits | 74.3373% | 1,971 |
| Net loans and leases to core deposits | 78.5715% | 1,997 |
| Total domestic deposits to total assets | 90.6688% | 488 |
| Equity capital to assets | 8.7823% | 3,990 |
| Core capital (leverage) ratio | 8.2554% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0325% | 2,951 |
| Memoranda: | ||
| Average total assets | $104,777,333 | 4,017 |
| Average earning assets | $97,657,000 | 3,997 |
| Average equity | $9,414,333 | 4,275 |
| Average total loans | $74,134,333 | 3,649 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 514 |
| Cost of funding earning assets | 0.4970% | 1,410 |
| Net interest margin | 4.2687% | 545 |
| Noninterest income to average assets | 0.3380% | 3,414 |
| Noninterest expense to average assets | 3.2320% | 679 |
| Loan and lease loss provision to assets | -0.0388% | 4,628 |
| Net operating income to assets | 1.0760% | 2,550 |
| Return on assets (ROA) | 1.0760% | 2,637 |
| Pretax return on assets | 1.1149% | 3,078 |
| Return on Equity (ROE) | 11.8351% | 2,080 |
| Retained earnings to average equity (ytd only) | 11.8351% | 1,194 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0225% | 1,221 |
| Assets per employee ($millions) | 4.9994% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 1,078 |
| Loan loss allowance to noncurrent loans | 147.8107% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8049% | 1,109 |
| Noncurrent loans to loans | 1.1407% | 1,173 |
| Net loans and leases to total assets | 69.3708% | 1,371 |
| Net loans and leases to deposits | 76.8592% | 1,817 |
| Net loans and leases to core deposits | 82.8293% | 1,769 |
| Total domestic deposits to total assets | 90.2570% | 694 |
| Equity capital to assets | 8.8982% | 3,787 |
| Core capital (leverage) ratio | 8.3996% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2494% | 2,881 |
| Memoranda: | ||
| Average total assets | $102,971,500 | 4,037 |
| Average earning assets | $95,766,000 | 4,026 |
| Average equity | $9,362,000 | 4,289 |
| Average total loans | $74,049,500 | 3,669 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 421 |
| Cost of funding earning assets | 0.8128% | 1,158 |
| Net interest margin | 4.2780% | 530 |
| Noninterest income to average assets | 0.5922% | 2,243 |
| Noninterest expense to average assets | 3.5965% | 601 |
| Loan and lease loss provision to assets | 0.1804% | 2,137 |
| Net operating income to assets | 0.3955% | 4,251 |
| Return on assets (ROA) | 0.3955% | 4,332 |
| Pretax return on assets | 0.7497% | 3,761 |
| Return on Equity (ROE) | 3.9781% | 4,163 |
| Retained earnings to average equity (ytd only) | 3.9781% | 2,839 |
| Net charge-offs to loans | -0.1014% | 4,817 |
| Credit loss provision to net charge-offs | -230.5556% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4527% | 927 |
| Assets per employee ($millions) | 4.8074% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 1,119 |
| Loan loss allowance to noncurrent loans | 134.4227% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 1,086 |
| Noncurrent loans to loans | 1.2402% | 1,114 |
| Net loans and leases to total assets | 72.0965% | 1,277 |
| Net loans and leases to deposits | 80.8695% | 1,780 |
| Net loans and leases to core deposits | 87.7731% | 1,714 |
| Total domestic deposits to total assets | 89.1516% | 920 |
| Equity capital to assets | 9.2932% | 3,791 |
| Core capital (leverage) ratio | 8.2176% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8918% | 2,951 |
| Memoranda: | ||
| Average total assets | $92,033,200 | 4,098 |
| Average earning assets | $84,642,600 | 4,092 |
| Average equity | $9,150,000 | 4,292 |
| Average total loans | $71,035,800 | 3,714 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 365 |
| Cost of funding earning assets | 0.8801% | 1,135 |
| Net interest margin | 4.3875% | 482 |
| Noninterest income to average assets | 0.7067% | 1,779 |
| Noninterest expense to average assets | 3.7637% | 478 |
| Loan and lease loss provision to assets | 0.2171% | 1,847 |
| Net operating income to assets | 0.3534% | 4,351 |
| Return on assets (ROA) | 0.3534% | 4,408 |
| Pretax return on assets | 0.7527% | 3,774 |
| Return on Equity (ROE) | 3.4902% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.4902% | 3,305 |
| Net charge-offs to loans | -0.1366% | 4,875 |
| Credit loss provision to net charge-offs | -202.7778% | 3,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5169% | 902 |
| Assets per employee ($millions) | 4.7552% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 948 |
| Loan loss allowance to noncurrent loans | 127.5210% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.9533% | 1,177 |
| Noncurrent loans to loans | 1.3063% | 1,131 |
| Net loans and leases to total assets | 71.7635% | 1,702 |
| Net loans and leases to deposits | 80.5492% | 2,257 |
| Net loans and leases to core deposits | 89.2430% | 2,038 |
| Total domestic deposits to total assets | 89.0927% | 732 |
| Equity capital to assets | 9.2479% | 3,912 |
| Core capital (leverage) ratio | 8.3453% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2086% | 2,865 |
| Memoranda: | ||
| Average total assets | $89,802,750 | 4,126 |
| Average earning assets | $82,414,000 | 4,124 |
| Average equity | $9,092,000 | 4,312 |
| Average total loans | $70,290,000 | 3,745 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 263 |
| Cost of funding earning assets | 0.9714% | 1,067 |
| Net interest margin | 4.6542% | 372 |
| Noninterest income to average assets | 0.6848% | 1,794 |
| Noninterest expense to average assets | 3.9421% | 433 |
| Loan and lease loss provision to assets | 0.2221% | 1,883 |
| Net operating income to assets | 0.1434% | 4,637 |
| Return on assets (ROA) | 0.1434% | 4,670 |
| Pretax return on assets | 0.7658% | 3,686 |
| Return on Equity (ROE) | 1.3710% | 4,640 |
| Retained earnings to average equity (ytd only) | 1.3710% | 3,980 |
| Net charge-offs to loans | -0.2074% | 4,948 |
| Credit loss provision to net charge-offs | -133.3333% | 3,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9625% | 897 |
| Assets per employee ($millions) | 4.2167% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 980 |
| Loan loss allowance to noncurrent loans | 112.2469% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 1,080 |
| Noncurrent loans to loans | 1.4363% | 1,068 |
| Net loans and leases to total assets | 73.2458% | 1,517 |
| Net loans and leases to deposits | 82.3596% | 2,167 |
| Net loans and leases to core deposits | 91.4022% | 1,953 |
| Total domestic deposits to total assets | 88.9341% | 769 |
| Equity capital to assets | 9.2759% | 3,857 |
| Core capital (leverage) ratio | 8.5549% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3242% | 2,883 |
| Memoranda: | ||
| Average total assets | $86,450,333 | 4,173 |
| Average earning assets | $78,854,000 | 4,185 |
| Average equity | $9,044,333 | 4,335 |
| Average total loans | $69,427,667 | 3,763 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6094% | 291 |
| Cost of funding earning assets | 1.0739% | 1,122 |
| Net interest margin | 4.5355% | 463 |
| Noninterest income to average assets | 0.9066% | 1,053 |
| Noninterest expense to average assets | 4.3112% | 364 |
| Loan and lease loss provision to assets | 0.1774% | 1,672 |
| Net operating income to assets | 0.5173% | 3,853 |
| Return on assets (ROA) | 0.5173% | 3,909 |
| Pretax return on assets | 0.5173% | 4,092 |
| Return on Equity (ROE) | 4.6314% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.6314% | 2,444 |
| Net charge-offs to loans | -0.0118% | 4,129 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1220% | 697 |
| Assets per employee ($millions) | 3.1564% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 1,400 |
| Loan loss allowance to noncurrent loans | 95.3875% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3209% | 880 |
| Noncurrent loans to loans | 1.5539% | 1,008 |
| Net loans and leases to total assets | 83.7450% | 285 |
| Net loans and leases to deposits | 96.2011% | 887 |
| Net loans and leases to core deposits | 110.9610% | 805 |
| Total domestic deposits to total assets | 87.0520% | 1,532 |
| Equity capital to assets | 11.0190% | 2,839 |
| Core capital (leverage) ratio | 9.6631% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9378% | 3,119 |
| Memoranda: | ||
| Average total assets | $81,184,000 | 4,254 |
| Average earning assets | $73,376,500 | 4,269 |
| Average equity | $9,068,500 | 4,361 |
| Average total loans | $68,041,500 | 3,801 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7123% | 388 |
| Cost of funding earning assets | 0.9980% | 1,730 |
| Net interest margin | 4.7143% | 454 |
| Noninterest income to average assets | 0.4993% | 2,746 |
| Noninterest expense to average assets | 4.0579% | 498 |
| Loan and lease loss provision to assets | 0.1328% | 1,605 |
| Net operating income to assets | 2.2639% | 195 |
| Return on assets (ROA) | 2.2716% | 207 |
| Pretax return on assets | 0.5503% | 4,490 |
| Return on Equity (ROE) | 20.1573% | 207 |
| Retained earnings to average equity (ytd only) | 20.1573% | 32 |
| Net charge-offs to loans | -0.0120% | 4,517 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7297% | 557 |
| Assets per employee ($millions) | 3.3459% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,227 |
| Loan loss allowance to noncurrent loans | 84.7660% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.4632% | 699 |
| Noncurrent loans to loans | 1.7717% | 764 |
| Net loans and leases to total assets | 81.3514% | 638 |
| Net loans and leases to deposits | 93.8093% | 1,175 |
| Net loans and leases to core deposits | 109.5835% | 879 |
| Total domestic deposits to total assets | 86.7200% | 1,747 |
| Equity capital to assets | 11.3249% | 2,680 |
| Core capital (leverage) ratio | 9.8052% | 3,727 |
| Tier 1 risk-based capital ratio | 11.1905% | 4,781 |
| Total risk-based capital ratio | 12.4424% | 4,674 |
| Memoranda: | ||
| Average total assets | $78,316,200 | 4,316 |
| Average earning assets | $70,339,600 | 4,341 |
| Average equity | $8,825,600 | 4,402 |
| Average total loans | $66,480,400 | 3,846 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 378 |
| Cost of funding earning assets | 0.9631% | 1,920 |
| Net interest margin | 4.7964% | 419 |
| Noninterest income to average assets | 0.6613% | 1,943 |
| Noninterest expense to average assets | 4.0451% | 503 |
| Loan and lease loss provision to assets | 0.1234% | 1,584 |
| Net operating income to assets | 3.2604% | 68 |
| Return on assets (ROA) | 3.2707% | 72 |
| Pretax return on assets | 0.8035% | 4,109 |
| Return on Equity (ROE) | 29.0606% | 46 |
| Retained earnings to average equity (ytd only) | 29.0606% | 17 |
| Net charge-offs to loans | -0.0120% | 4,433 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5262% | 791 |
| Assets per employee ($millions) | 3.5191% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,365 |
| Loan loss allowance to noncurrent loans | 104.1126% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1935% | 1,060 |
| Noncurrent loans to loans | 1.4016% | 1,089 |
| Net loans and leases to total assets | 83.9088% | 364 |
| Net loans and leases to deposits | 97.6403% | 858 |
| Net loans and leases to core deposits | 112.9065% | 802 |
| Total domestic deposits to total assets | 85.9366% | 2,022 |
| Equity capital to assets | 11.9231% | 2,315 |
| Core capital (leverage) ratio | 10.0372% | 3,606 |
| Tier 1 risk-based capital ratio | 11.4300% | 4,704 |
| Total risk-based capital ratio | 12.6817% | 4,606 |
| Memoranda: | ||
| Average total assets | $77,820,000 | 4,378 |
| Average earning assets | $69,773,250 | 4,401 |
| Average equity | $8,758,500 | 4,460 |
| Average total loans | $66,520,000 | 3,884 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6326% | 447 |
| Cost of funding earning assets | 0.8946% | 2,174 |
| Net interest margin | 4.7380% | 456 |
| Noninterest income to average assets | 0.6337% | 2,008 |
| Noninterest expense to average assets | 4.0024% | 537 |
| Loan and lease loss provision to assets | 0.1078% | 1,746 |
| Net operating income to assets | 4.4848% | 37 |
| Return on assets (ROA) | 4.5001% | 40 |
| Pretax return on assets | 0.8056% | 4,077 |
| Return on Equity (ROE) | 40.7860% | 18 |
| Retained earnings to average equity (ytd only) | 40.7860% | 6 |
| Net charge-offs to loans | -0.0120% | 4,377 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6754% | 826 |
| Assets per employee ($millions) | 3.1470% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 1,582 |
| Loan loss allowance to noncurrent loans | 126.1872% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 1,482 |
| Noncurrent loans to loans | 1.1148% | 1,466 |
| Net loans and leases to total assets | 82.8510% | 494 |
| Net loans and leases to deposits | 95.7475% | 1,063 |
| Net loans and leases to core deposits | 108.1534% | 1,093 |
| Total domestic deposits to total assets | 86.5307% | 1,807 |
| Equity capital to assets | 11.5297% | 2,584 |
| Core capital (leverage) ratio | 9.7443% | 3,888 |
| Tier 1 risk-based capital ratio | 11.4058% | 4,731 |
| Total risk-based capital ratio | 12.6578% | 4,627 |
| Memoranda: | ||
| Average total assets | $77,953,000 | 4,409 |
| Average earning assets | $70,199,000 | 4,437 |
| Average equity | $8,601,000 | 4,498 |
| Average total loans | $66,718,330 | 3,910 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6117% | 422 |
| Cost of funding earning assets | 0.7935% | 2,572 |
| Net interest margin | 4.8182% | 388 |
| Noninterest income to average assets | 0.2938% | 3,914 |
| Noninterest expense to average assets | 3.8664% | 617 |
| Loan and lease loss provision to assets | 0.1083% | 1,641 |
| Net operating income to assets | 8.0936% | 26 |
| Return on assets (ROA) | 8.1245% | 28 |
| Pretax return on assets | 0.7011% | 4,296 |
| Return on Equity (ROE) | 75.3526% | 8 |
| Retained earnings to average equity (ytd only) | 75.3526% | 4 |
| Net charge-offs to loans | -0.0060% | 4,070 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2408% | 770 |
| Assets per employee ($millions) | 3.1430% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 1,924 |
| Loan loss allowance to noncurrent loans | 114.5386% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0067% | 1,392 |
| Noncurrent loans to loans | 1.1683% | 1,421 |
| Net loans and leases to total assets | 85.0167% | 276 |
| Net loans and leases to deposits | 98.2079% | 771 |
| Net loans and leases to core deposits | 109.7960% | 941 |
| Total domestic deposits to total assets | 86.5681% | 2,028 |
| Equity capital to assets | 11.6591% | 2,263 |
| Core capital (leverage) ratio | 10.2215% | 3,361 |
| Tier 1 risk-based capital ratio | 11.1485% | 4,910 |
| Total risk-based capital ratio | 12.3990% | 4,823 |
| Memoranda: | ||
| Average total assets | $77,592,000 | 4,459 |
| Average earning assets | $70,067,500 | 4,486 |
| Average equity | $8,366,000 | 4,562 |
| Average total loans | $67,021,000 | 3,943 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 498 |
| Cost of funding earning assets | 0.5189% | 3,233 |
| Net interest margin | 4.8579% | 352 |
| Noninterest income to average assets | 0.6566% | 2,026 |
| Noninterest expense to average assets | 4.1711% | 417 |
| Loan and lease loss provision to assets | 0.0831% | 2,470 |
| Net operating income to assets | 0.7855% | 3,855 |
| Return on assets (ROA) | 0.7855% | 3,857 |
| Pretax return on assets | 0.7855% | 4,210 |
| Return on Equity (ROE) | 7.7697% | 3,540 |
| Retained earnings to average equity (ytd only) | 7.7697% | 1,341 |
| Net charge-offs to loans | -0.0503% | 4,978 |
| Credit loss provision to net charge-offs | -200.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7653% | 723 |
| Assets per employee ($millions) | 3.1921% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 1,896 |
| Loan loss allowance to noncurrent loans | 104.4917% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 1,216 |
| Noncurrent loans to loans | 1.2753% | 1,244 |
| Net loans and leases to total assets | 85.4340% | 273 |
| Net loans and leases to deposits | 96.8138% | 992 |
| Net loans and leases to core deposits | 109.1214% | 1,047 |
| Total domestic deposits to total assets | 88.2457% | 1,183 |
| Equity capital to assets | 9.8825% | 3,777 |
| Core capital (leverage) ratio | 10.0855% | 3,482 |
| Tier 1 risk-based capital ratio | 11.0561% | 4,952 |
| Total risk-based capital ratio | 12.3068% | 4,841 |
| Memoranda: | ||
| Average total assets | $72,187,600 | 4,549 |
| Average earning assets | $65,131,600 | 4,574 |
| Average equity | $7,297,600 | 4,708 |
| Average total loans | $59,668,200 | 4,097 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8368% | 201 |
| Cost of funding earning assets | 0.4384% | 3,609 |
| Net interest margin | 5.3984% | 127 |
| Noninterest income to average assets | 0.2438% | 4,518 |
| Noninterest expense to average assets | 4.1904% | 403 |
| Loan and lease loss provision to assets | 0.0844% | 2,277 |
| Net operating income to assets | 0.8197% | 3,842 |
| Return on assets (ROA) | 0.8197% | 3,854 |
| Pretax return on assets | 0.8197% | 4,243 |
| Return on Equity (ROE) | 8.0596% | 3,526 |
| Retained earnings to average equity (ytd only) | 8.0596% | 1,619 |
| Net charge-offs to loans | -0.0621% | 5,010 |
| Credit loss provision to net charge-offs | -166.6667% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2533% | 762 |
| Assets per employee ($millions) | 3.2501% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,711 |
| Loan loss allowance to noncurrent loans | 351.0121% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 3,361 |
| Noncurrent loans to loans | 0.3982% | 3,227 |
| Net loans and leases to total assets | 81.8215% | 745 |
| Net loans and leases to deposits | 92.7121% | 1,532 |
| Net loans and leases to core deposits | 104.7921% | 1,397 |
| Total domestic deposits to total assets | 88.2533% | 1,137 |
| Equity capital to assets | 9.9340% | 3,715 |
| Core capital (leverage) ratio | 10.3056% | 3,284 |
| Tier 1 risk-based capital ratio | 11.1106% | 4,984 |
| Total risk-based capital ratio | 12.3606% | 4,883 |
| Memoranda: | ||
| Average total assets | $71,082,000 | 4,614 |
| Average earning assets | $63,869,500 | 4,639 |
| Average equity | $7,229,250 | 4,766 |
| Average total loans | $58,001,500 | 4,188 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6598% | 253 |
| Cost of funding earning assets | 0.4134% | 3,618 |
| Net interest margin | 5.2464% | 156 |
| Noninterest income to average assets | 0.2405% | 4,575 |
| Noninterest expense to average assets | 4.1541% | 440 |
| Loan and lease loss provision to assets | 0.0859% | 2,193 |
| Net operating income to assets | 0.7243% | 4,124 |
| Return on assets (ROA) | 0.7243% | 4,131 |
| Pretax return on assets | 0.7243% | 4,448 |
| Return on Equity (ROE) | 7.0634% | 3,881 |
| Retained earnings to average equity (ytd only) | 7.0634% | 2,046 |
| Net charge-offs to loans | -0.0388% | 4,830 |
| Credit loss provision to net charge-offs | -272.7273% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6794% | 706 |
| Assets per employee ($millions) | 3.0307% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,611 |
| Loan loss allowance to noncurrent loans | 334.4000% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,308 |
| Noncurrent loans to loans | 0.4300% | 3,158 |
| Net loans and leases to total assets | 82.2079% | 688 |
| Net loans and leases to deposits | 94.6328% | 1,288 |
| Net loans and leases to core deposits | 105.2455% | 1,301 |
| Total domestic deposits to total assets | 86.8704% | 1,894 |
| Equity capital to assets | 10.3967% | 3,214 |
| Core capital (leverage) ratio | 10.4432% | 3,087 |
| Tier 1 risk-based capital ratio | 10.9611% | 5,071 |
| Total risk-based capital ratio | 12.1893% | 4,978 |
| Memoranda: | ||
| Average total assets | $69,858,330 | 4,685 |
| Average earning assets | $62,900,000 | 4,713 |
| Average equity | $7,163,670 | 4,824 |
| Average total loans | $56,658,330 | 4,251 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5382% | 262 |
| Cost of funding earning assets | 0.3920% | 3,647 |
| Net interest margin | 5.1462% | 174 |
| Noninterest income to average assets | 0.2231% | 4,680 |
| Noninterest expense to average assets | 4.1067% | 462 |
| Loan and lease loss provision to assets | 0.0858% | 2,083 |
| Net operating income to assets | 0.6864% | 4,150 |
| Return on assets (ROA) | 0.6864% | 4,154 |
| Pretax return on assets | 0.6864% | 4,482 |
| Return on Equity (ROE) | 6.7397% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.7397% | 2,391 |
| Net charge-offs to loans | -0.0429% | 4,902 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1735% | 783 |
| Assets per employee ($millions) | 2.9471% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 77.7096% | 1,282 |
| Net loans and leases to deposits | 88.1540% | 1,911 |
| Net loans and leases to core deposits | 97.7503% | 1,848 |
| Total domestic deposits to total assets | 88.1521% | 1,537 |
| Equity capital to assets | 10.0664% | 3,538 |
| Core capital (leverage) ratio | 10.3232% | 3,161 |
| Tier 1 risk-based capital ratio | 11.5700% | 4,829 |
| Total risk-based capital ratio | 12.8213% | 4,716 |
| Memoranda: | ||
| Average total assets | $69,935,000 | 4,739 |
| Average earning assets | $63,270,000 | 4,768 |
| Average equity | $7,122,000 | 4,878 |
| Average total loans | $55,918,000 | 4,308 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 602 |
| Cost of funding earning assets | 0.3923% | 3,314 |
| Net interest margin | 4.6473% | 454 |
| Noninterest income to average assets | 0.2031% | 4,927 |
| Noninterest expense to average assets | 3.8916% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5257% | 4,308 |
| Return on assets (ROA) | 0.5257% | 4,340 |
| Pretax return on assets | 0.5257% | 4,888 |
| Return on Equity (ROE) | 5.2621% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.2621% | 1,961 |
| Net charge-offs to loans | 0.0148% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 45.6250% | 1,166 |
| Efficiency ratio | 88.0991% | 529 |
| Assets per employee ($millions) | 3.1427% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 1,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.9291% | 966 |
| Net loans and leases to deposits | 89.5063% | 1,837 |
| Net loans and leases to core deposits | 99.3314% | 1,764 |
| Total domestic deposits to total assets | 89.3000% | 870 |
| Equity capital to assets | 10.3037% | 3,383 |
| Core capital (leverage) ratio | 10.1029% | 3,316 |
| Tier 1 risk-based capital ratio | 11.8640% | 4,618 |
| Total risk-based capital ratio | 13.1144% | 4,507 |
| Memoranda: | ||
| Average total assets | $69,432,000 | 4,785 |
| Average earning assets | $62,961,400 | 4,805 |
| Average equity | $6,936,400 | 4,949 |
| Average total loans | $54,016,200 | 4,363 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 710 |
| Cost of funding earning assets | 0.3872% | 3,312 |
| Net interest margin | 4.5434% | 542 |
| Noninterest income to average assets | 0.1957% | 5,033 |
| Noninterest expense to average assets | 3.7886% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5256% | 4,661 |
| Return on assets (ROA) | 0.5256% | 4,694 |
| Pretax return on assets | 0.5256% | 4,980 |
| Return on Equity (ROE) | 5.3026% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.3026% | 2,680 |
| Net charge-offs to loans | 0.0349% | 2,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 19.5672% | 1,995 |
| Efficiency ratio | 87.8168% | 521 |
| Assets per employee ($millions) | 3.1597% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.7949% | 1,947 |
| Net loans and leases to deposits | 82.1183% | 2,767 |
| Net loans and leases to core deposits | 91.4780% | 2,497 |
| Total domestic deposits to total assets | 89.8642% | 520 |
| Equity capital to assets | 9.7024% | 4,242 |
| Core capital (leverage) ratio | 9.7882% | 3,834 |
| Tier 1 risk-based capital ratio | 11.7583% | 4,801 |
| Total risk-based capital ratio | 13.0090% | 4,670 |
| Memoranda: | ||
| Average total assets | $69,505,000 | 4,833 |
| Average earning assets | $63,006,250 | 4,852 |
| Average equity | $6,889,500 | 5,011 |
| Average total loans | $53,506,000 | 4,420 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 829 |
| Cost of funding earning assets | 0.3910% | 3,161 |
| Net interest margin | 4.4298% | 665 |
| Noninterest income to average assets | 0.1928% | 5,085 |
| Noninterest expense to average assets | 3.7780% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4208% | 4,928 |
| Return on assets (ROA) | 0.4208% | 4,955 |
| Pretax return on assets | 0.4208% | 5,142 |
| Return on Equity (ROE) | 4.2132% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.2132% | 3,201 |
| Net charge-offs to loans | -0.0338% | 5,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9791% | 455 |
| Assets per employee ($millions) | 3.3094% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,615 |
| Loan loss allowance to noncurrent loans | 185.1598% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 2,671 |
| Noncurrent loans to loans | 0.8042% | 2,388 |
| Net loans and leases to total assets | 77.2008% | 1,361 |
| Net loans and leases to deposits | 86.0886% | 2,204 |
| Net loans and leases to core deposits | 96.4202% | 1,937 |
| Total domestic deposits to total assets | 89.6760% | 656 |
| Equity capital to assets | 9.9499% | 3,970 |
| Core capital (leverage) ratio | 10.1708% | 3,311 |
| Tier 1 risk-based capital ratio | 11.6443% | 4,868 |
| Total risk-based capital ratio | 12.8960% | 4,750 |
| Memoranda: | ||
| Average total assets | $68,449,000 | 4,884 |
| Average earning assets | $61,899,330 | 4,902 |
| Average equity | $6,835,670 | 5,048 |
| Average total loans | $53,202,330 | 4,441 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,222 |
| Cost of funding earning assets | 0.3847% | 3,149 |
| Net interest margin | 4.1792% | 1,031 |
| Noninterest income to average assets | 0.3651% | 3,922 |
| Noninterest expense to average assets | 3.6688% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4711% | 4,702 |
| Return on assets (ROA) | 0.4711% | 4,727 |
| Pretax return on assets | 0.4711% | 5,018 |
| Return on Equity (ROE) | 4.7087% | 4,512 |
| Retained earnings to average equity (ytd only) | 4.7087% | 3,050 |
| Net charge-offs to loans | -0.0304% | 4,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6202% | 625 |
| Assets per employee ($millions) | 3.4331% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,626 |
| Loan loss allowance to noncurrent loans | 184.0183% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 2,725 |
| Noncurrent loans to loans | 0.8258% | 2,389 |
| Net loans and leases to total assets | 76.0697% | 1,408 |
| Net loans and leases to deposits | 84.8581% | 2,177 |
| Net loans and leases to core deposits | 101.1366% | 1,433 |
| Total domestic deposits to total assets | 89.6435% | 830 |
| Equity capital to assets | 9.9677% | 3,793 |
| Core capital (leverage) ratio | 10.3408% | 3,071 |
| Tier 1 risk-based capital ratio | 10.8633% | 5,381 |
| Total risk-based capital ratio | 12.1131% | 5,304 |
| Memoranda: | ||
| Average total assets | $67,924,500 | 4,951 |
| Average earning assets | $61,351,500 | 4,967 |
| Average equity | $6,796,000 | 5,101 |
| Average total loans | $52,571,500 | 4,494 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 979 |
| Cost of funding earning assets | 0.3754% | 3,256 |
| Net interest margin | 4.3664% | 828 |
| Noninterest income to average assets | 0.2191% | 5,100 |
| Noninterest expense to average assets | 3.6718% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4153% | 4,892 |
| Return on assets (ROA) | 0.4153% | 4,974 |
| Pretax return on assets | 0.4153% | 5,196 |
| Return on Equity (ROE) | 3.9962% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.9962% | 3,075 |
| Net charge-offs to loans | -0.0140% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8388% | 566 |
| Assets per employee ($millions) | 3.3594% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 1,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 76.3600% | 1,461 |
| Net loans and leases to deposits | 88.1012% | 1,913 |
| Net loans and leases to core deposits | 97.5862% | 1,794 |
| Total domestic deposits to total assets | 86.6730% | 2,302 |
| Equity capital to assets | 10.0436% | 3,681 |
| Core capital (leverage) ratio | 10.1990% | 3,224 |
| Tier 1 risk-based capital ratio | 11.0900% | 5,292 |
| Total risk-based capital ratio | 12.3397% | 5,188 |
| Memoranda: | ||
| Average total assets | $65,253,800 | 5,027 |
| Average earning assets | $57,804,800 | 5,077 |
| Average equity | $6,781,400 | 5,139 |
| Average total loans | $49,996,000 | 4,574 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 983 |
| Cost of funding earning assets | 0.3692% | 3,337 |
| Net interest margin | 4.3811% | 805 |
| Noninterest income to average assets | 0.2038% | 5,253 |
| Noninterest expense to average assets | 3.7238% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3396% | 5,186 |
| Return on assets (ROA) | 0.3396% | 5,269 |
| Pretax return on assets | 0.3396% | 5,396 |
| Return on Equity (ROE) | 3.2400% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.2400% | 3,967 |
| Net charge-offs to loans | -0.0135% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6413% | 486 |
| Assets per employee ($millions) | 3.4595% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 73.8054% | 1,902 |
| Net loans and leases to deposits | 82.7740% | 2,638 |
| Net loans and leases to core deposits | 90.2181% | 2,556 |
| Total domestic deposits to total assets | 89.1649% | 817 |
| Equity capital to assets | 10.4532% | 3,614 |
| Core capital (leverage) ratio | 10.8397% | 2,638 |
| Tier 1 risk-based capital ratio | 12.2306% | 4,655 |
| Total risk-based capital ratio | 13.4815% | 4,553 |
| Memoranda: | ||
| Average total assets | $64,770,500 | 5,078 |
| Average earning assets | $57,061,750 | 5,146 |
| Average equity | $6,789,750 | 5,180 |
| Average total loans | $49,468,500 | 4,633 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 847 |
| Cost of funding earning assets | 0.3623% | 3,427 |
| Net interest margin | 4.4612% | 670 |
| Noninterest income to average assets | 0.1955% | 5,328 |
| Noninterest expense to average assets | 3.7083% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3848% | 5,080 |
| Return on assets (ROA) | 0.3848% | 5,157 |
| Pretax return on assets | 0.3848% | 5,365 |
| Return on Equity (ROE) | 3.6672% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.6672% | 3,557 |
| Net charge-offs to loans | -0.0202% | 4,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5989% | 573 |
| Assets per employee ($millions) | 3.3158% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 1,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 77.0857% | 1,320 |
| Net loans and leases to deposits | 86.8098% | 2,156 |
| Net loans and leases to core deposits | 95.0260% | 2,061 |
| Total domestic deposits to total assets | 88.7984% | 1,010 |
| Equity capital to assets | 10.8540% | 3,232 |
| Core capital (leverage) ratio | 11.1918% | 2,245 |
| Tier 1 risk-based capital ratio | 12.6094% | 4,441 |
| Total risk-based capital ratio | 13.8624% | 4,344 |
| Memoranda: | ||
| Average total assets | $64,450,330 | 5,134 |
| Average earning assets | $56,307,670 | 5,216 |
| Average equity | $6,762,670 | 5,233 |
| Average total loans | $49,520,330 | 4,665 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 670 |
| Cost of funding earning assets | 0.3633% | 3,467 |
| Net interest margin | 4.5595% | 541 |
| Noninterest income to average assets | 0.1841% | 5,401 |
| Noninterest expense to average assets | 3.6578% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4542% | 4,813 |
| Return on assets (ROA) | 0.4542% | 4,898 |
| Pretax return on assets | 0.4542% | 5,206 |
| Return on Equity (ROE) | 4.4015% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.4015% | 3,278 |
| Net charge-offs to loans | -0.0323% | 5,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9552% | 750 |
| Assets per employee ($millions) | 4.1369% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 1,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.0235% | 1,884 |
| Net loans and leases to deposits | 81.6290% | 2,589 |
| Net loans and leases to core deposits | 90.9219% | 2,289 |
| Total domestic deposits to total assets | 89.4578% | 857 |
| Equity capital to assets | 10.2310% | 3,815 |
| Core capital (leverage) ratio | 10.8938% | 2,518 |
| Tier 1 risk-based capital ratio | 11.7533% | 5,078 |
| Total risk-based capital ratio | 13.0046% | 4,986 |
| Memoranda: | ||
| Average total assets | $65,175,500 | 5,174 |
| Average earning assets | $56,147,000 | 5,263 |
| Average equity | $6,725,000 | 5,280 |
| Average total loans | $49,598,500 | 4,688 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 1,450 |
| Cost of funding earning assets | 0.4018% | 3,136 |
| Net interest margin | 4.1509% | 1,276 |
| Noninterest income to average assets | 0.3363% | 4,497 |
| Noninterest expense to average assets | 3.6469% | 1,046 |
| Loan and lease loss provision to assets | -0.3928% | 6,102 |
| Net operating income to assets | 0.7511% | 3,562 |
| Return on assets (ROA) | 0.7511% | 3,661 |
| Pretax return on assets | 0.7511% | 4,362 |
| Return on Equity (ROE) | 7.2380% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.9667% | 2,444 |
| Net charge-offs to loans | -0.0377% | 5,478 |
| Credit loss provision to net charge-offs | 1,388.8889% | 244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0553% | 628 |
| Assets per employee ($millions) | 3.5644% | 4,697 |
| Cash dividends to net income (ytd only)* | 31.3808% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 1,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.7908% | 1,288 |
| Net loans and leases to deposits | 85.9648% | 2,137 |
| Net loans and leases to core deposits | 96.9805% | 1,757 |
| Total domestic deposits to total assets | 89.3282% | 947 |
| Equity capital to assets | 10.4084% | 3,472 |
| Core capital (leverage) ratio | 10.3771% | 3,078 |
| Tier 1 risk-based capital ratio | 11.0642% | 5,489 |
| Total risk-based capital ratio | 12.3151% | 5,389 |
| Memoranda: | ||
| Average total assets | $63,642,600 | 5,231 |
| Average earning assets | $56,253,000 | 5,284 |
| Average equity | $6,604,000 | 5,324 |
| Average total loans | $47,714,000 | 4,736 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5312% | 1,506 |
| Cost of funding earning assets | 0.4093% | 3,132 |
| Net interest margin | 4.1218% | 1,351 |
| Noninterest income to average assets | 0.3422% | 4,494 |
| Noninterest expense to average assets | 3.6527% | 1,041 |
| Loan and lease loss provision to assets | -0.5248% | 6,215 |
| Net operating income to assets | 0.8502% | 3,173 |
| Return on assets (ROA) | 0.8502% | 3,260 |
| Pretax return on assets | 0.8502% | 4,172 |
| Return on Equity (ROE) | 8.1997% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.1997% | 1,167 |
| Net charge-offs to loans | -0.0509% | 5,556 |
| Credit loss provision to net charge-offs | 1,388.8889% | 265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8206% | 583 |
| Assets per employee ($millions) | 3.3568% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 1,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 76.0062% | 1,388 |
| Net loans and leases to deposits | 85.4157% | 2,218 |
| Net loans and leases to core deposits | 97.1658% | 1,771 |
| Total domestic deposits to total assets | 88.9838% | 1,034 |
| Equity capital to assets | 10.6211% | 3,448 |
| Core capital (leverage) ratio | 10.6317% | 2,895 |
| Tier 1 risk-based capital ratio | 12.5470% | 4,722 |
| Total risk-based capital ratio | 13.7991% | 4,623 |
| Memoranda: | ||
| Average total assets | $63,513,250 | 5,296 |
| Average earning assets | $56,025,500 | 5,359 |
| Average equity | $6,585,500 | 5,394 |
| Average total loans | $47,126,500 | 4,805 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 1,765 |
| Cost of funding earning assets | 0.4093% | 3,168 |
| Net interest margin | 4.0179% | 1,587 |
| Noninterest income to average assets | 0.2586% | 5,104 |
| Noninterest expense to average assets | 3.7304% | 954 |
| Loan and lease loss provision to assets | -0.7883% | 6,311 |
| Net operating income to assets | 0.8451% | 3,146 |
| Return on assets (ROA) | 0.8451% | 3,256 |
| Pretax return on assets | 0.8451% | 4,142 |
| Return on Equity (ROE) | 8.2175% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.2175% | 1,182 |
| Net charge-offs to loans | -0.0431% | 5,489 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5012% | 365 |
| Assets per employee ($millions) | 3.1206% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 1,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 5,364 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 75.4066% | 1,453 |
| Net loans and leases to deposits | 84.7155% | 2,219 |
| Net loans and leases to core deposits | 96.2433% | 1,775 |
| Total domestic deposits to total assets | 89.0116% | 1,134 |
| Equity capital to assets | 10.5959% | 3,327 |
| Core capital (leverage) ratio | 10.4885% | 2,980 |
| Tier 1 risk-based capital ratio | 13.0979% | 4,462 |
| Total risk-based capital ratio | 14.3521% | 4,375 |
| Memoranda: | ||
| Average total assets | $63,424,670 | 5,358 |
| Average earning assets | $55,701,000 | 5,420 |
| Average equity | $6,522,670 | 5,447 |
| Average total loans | $46,412,330 | 4,876 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 1,883 |
| Cost of funding earning assets | 0.3794% | 3,534 |
| Net interest margin | 3.9873% | 1,600 |
| Noninterest income to average assets | 0.1877% | 5,586 |
| Noninterest expense to average assets | 3.7227% | 977 |
| Loan and lease loss provision to assets | -1.5642% | 6,399 |
| Net operating income to assets | 1.5141% | 823 |
| Return on assets (ROA) | 1.5141% | 874 |
| Pretax return on assets | 1.5141% | 1,519 |
| Return on Equity (ROE) | 14.9440% | 718 |
| Retained earnings to average equity (ytd only) | 14.9440% | 290 |
| Net charge-offs to loans | -0.0875% | 5,797 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3629% | 337 |
| Assets per employee ($millions) | 3.7435% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 1,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 5,080 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 70.9109% | 1,996 |
| Net loans and leases to deposits | 79.4811% | 2,620 |
| Net loans and leases to core deposits | 86.8378% | 2,454 |
| Total domestic deposits to total assets | 89.2173% | 1,133 |
| Equity capital to assets | 10.3914% | 3,661 |
| Core capital (leverage) ratio | 10.5407% | 2,910 |
| Tier 1 risk-based capital ratio | 12.4123% | 4,971 |
| Total risk-based capital ratio | 13.6435% | 4,889 |
| Memoranda: | ||
| Average total assets | $63,931,500 | 5,398 |
| Average earning assets | $55,878,000 | 5,469 |
| Average equity | $6,477,500 | 5,502 |
| Average total loans | $45,695,000 | 4,931 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,361 |
| Cost of funding earning assets | 0.5014% | 2,662 |
| Net interest margin | 3.8613% | 2,389 |
| Noninterest income to average assets | 0.7364% | 2,142 |
| Noninterest expense to average assets | 3.9081% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1396% | 5,895 |
| Return on assets (ROA) | 0.1396% | 5,942 |
| Pretax return on assets | 0.1396% | 5,953 |
| Return on Equity (ROE) | 1.3830% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.3830% | 5,152 |
| Net charge-offs to loans | 0.2203% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.9457% | 4,531 |
| Efficiency ratio | 96.5517% | 481 |
| Assets per employee ($millions) | 3.5680% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2560% | 769 |
| Loan loss allowance to noncurrent loans | 298.2558% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 3,317 |
| Noncurrent loans to loans | 0.7564% | 3,430 |
| Net loans and leases to total assets | 69.2140% | 2,359 |
| Net loans and leases to deposits | 77.1120% | 3,069 |
| Net loans and leases to core deposits | 84.0922% | 2,893 |
| Total domestic deposits to total assets | 89.7577% | 851 |
| Equity capital to assets | 9.8748% | 4,262 |
| Core capital (leverage) ratio | 9.8137% | 3,820 |
| Tier 1 risk-based capital ratio | 12.9847% | 4,739 |
| Total risk-based capital ratio | 14.2461% | 4,643 |
| Memoranda: | ||
| Average total assets | $62,332,000 | 5,491 |
| Average earning assets | $53,454,000 | 5,582 |
| Average equity | $6,290,800 | 5,562 |
| Average total loans | $41,767,000 | 5,115 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 2,470 |
| Cost of funding earning assets | 0.5093% | 2,670 |
| Net interest margin | 3.8273% | 2,517 |
| Noninterest income to average assets | 0.8147% | 1,837 |
| Noninterest expense to average assets | 3.9875% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0991% | 6,030 |
| Return on assets (ROA) | 0.0991% | 6,057 |
| Pretax return on assets | 0.0991% | 6,057 |
| Return on Equity (ROE) | 0.9769% | 6,032 |
| Retained earnings to average equity (ytd only) | 0.9769% | 5,493 |
| Net charge-offs to loans | -0.0163% | 5,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5738% | 448 |
| Assets per employee ($millions) | 3.3733% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6135% | 560 |
| Loan loss allowance to noncurrent loans | 951.6949% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 3,466 |
| Noncurrent loans to loans | 0.2746% | 5,087 |
| Net loans and leases to total assets | 65.2911% | 2,982 |
| Net loans and leases to deposits | 72.7458% | 3,593 |
| Net loans and leases to core deposits | 80.4054% | 3,270 |
| Total domestic deposits to total assets | 89.7524% | 847 |
| Equity capital to assets | 9.8170% | 4,399 |
| Core capital (leverage) ratio | 10.2099% | 3,399 |
| Tier 1 risk-based capital ratio | 13.2878% | 4,677 |
| Total risk-based capital ratio | 14.5537% | 4,611 |
| Memoranda: | ||
| Average total assets | $61,859,000 | 5,569 |
| Average earning assets | $52,882,500 | 5,660 |
| Average equity | $6,278,000 | 5,625 |
| Average total loans | $40,839,250 | 5,200 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3829% | 2,247 |
| Cost of funding earning assets | 0.5256% | 2,581 |
| Net interest margin | 3.8573% | 2,348 |
| Noninterest income to average assets | 0.9850% | 1,244 |
| Noninterest expense to average assets | 4.0874% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1636% | 5,923 |
| Return on assets (ROA) | 0.1636% | 5,962 |
| Pretax return on assets | 0.1636% | 6,001 |
| Return on Equity (ROE) | 1.5940% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.5940% | 5,103 |
| Net charge-offs to loans | -0.0249% | 5,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1509% | 550 |
| Assets per employee ($millions) | 3.4897% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8096% | 466 |
| Loan loss allowance to noncurrent loans | 942.8571% | 540 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 2,638 |
| Noncurrent loans to loans | 0.2980% | 5,123 |
| Net loans and leases to total assets | 61.7888% | 3,440 |
| Net loans and leases to deposits | 69.0482% | 3,932 |
| Net loans and leases to core deposits | 77.6116% | 3,485 |
| Total domestic deposits to total assets | 89.4864% | 1,097 |
| Equity capital to assets | 10.0296% | 4,064 |
| Core capital (leverage) ratio | 10.3980% | 3,085 |
| Tier 1 risk-based capital ratio | 13.4092% | 4,646 |
| Total risk-based capital ratio | 14.6384% | 4,607 |
| Memoranda: | ||
| Average total assets | $61,114,330 | 5,632 |
| Average earning assets | $51,746,670 | 5,740 |
| Average equity | $6,273,330 | 5,662 |
| Average total loans | $40,129,000 | 5,269 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,027 |
| Cost of funding earning assets | 0.5313% | 2,594 |
| Net interest margin | 3.8985% | 2,092 |
| Noninterest income to average assets | 1.6328% | 463 |
| Noninterest expense to average assets | 4.2347% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7102% | 3,632 |
| Return on assets (ROA) | 0.7102% | 3,714 |
| Pretax return on assets | 0.7102% | 4,460 |
| Return on Equity (ROE) | 6.8371% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.8371% | 2,124 |
| Net charge-offs to loans | -0.0199% | 5,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6376% | 1,485 |
| Assets per employee ($millions) | 3.2401% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7552% | 581 |
| Loan loss allowance to noncurrent loans | 933.3333% | 545 |
| Noncurrent assets plus other real estate owned to assets | 1.8388% | 1,890 |
| Noncurrent loans to loans | 0.2952% | 5,234 |
| Net loans and leases to total assets | 64.2133% | 2,854 |
| Net loans and leases to deposits | 71.9937% | 3,335 |
| Net loans and leases to core deposits | 81.2927% | 2,817 |
| Total domestic deposits to total assets | 89.1930% | 1,532 |
| Equity capital to assets | 10.2839% | 3,500 |
| Core capital (leverage) ratio | 10.6606% | 2,749 |
| Tier 1 risk-based capital ratio | 14.0867% | 4,270 |
| Total risk-based capital ratio | 15.3520% | 4,213 |
| Memoranda: | ||
| Average total assets | $60,264,500 | 5,705 |
| Average earning assets | $51,199,000 | 5,805 |
| Average equity | $6,260,000 | 5,697 |
| Average total loans | $40,226,500 | 5,315 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 2,513 |
| Cost of funding earning assets | 0.6390% | 2,302 |
| Net interest margin | 3.7810% | 2,723 |
| Noninterest income to average assets | 1.2561% | 880 |
| Noninterest expense to average assets | 4.3379% | 607 |
| Loan and lease loss provision to assets | -1.1230% | 6,797 |
| Net operating income to assets | 1.1454% | 1,772 |
| Return on assets (ROA) | 1.1454% | 1,839 |
| Pretax return on assets | 1.1454% | 2,784 |
| Return on Equity (ROE) | 12.4755% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.4755% | 273 |
| Net charge-offs to loans | -1.4231% | 6,762 |
| Credit loss provision to net charge-offs | 126.8116% | 1,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4849% | 495 |
| Assets per employee ($millions) | 2.9484% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8089% | 591 |
| Loan loss allowance to noncurrent loans | 916.3934% | 549 |
| Noncurrent assets plus other real estate owned to assets | 5.3505% | 416 |
| Noncurrent loans to loans | 0.3065% | 5,270 |
| Net loans and leases to total assets | 65.6028% | 2,751 |
| Net loans and leases to deposits | 73.6768% | 3,314 |
| Net loans and leases to core deposits | 83.5869% | 2,715 |
| Total domestic deposits to total assets | 89.0413% | 1,593 |
| Equity capital to assets | 10.4957% | 3,166 |
| Core capital (leverage) ratio | 10.2211% | 3,264 |
| Tier 1 risk-based capital ratio | 13.8257% | 4,417 |
| Total risk-based capital ratio | 15.0904% | 4,358 |
| Memoranda: | ||
| Average total assets | $62,334,600 | 5,693 |
| Average earning assets | $51,176,400 | 5,857 |
| Average equity | $5,723,200 | 5,872 |
| Average total loans | $38,788,200 | 5,399 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 2,733 |
| Cost of funding earning assets | 0.6575% | 2,299 |
| Net interest margin | 3.7028% | 3,021 |
| Noninterest income to average assets | 1.4182% | 734 |
| Noninterest expense to average assets | 4.2631% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1857% | 5,946 |
| Return on assets (ROA) | 0.1857% | 6,018 |
| Pretax return on assets | 0.1857% | 6,060 |
| Return on Equity (ROE) | 2.0927% | 5,908 |
| Retained earnings to average equity (ytd only) | 2.0927% | 5,072 |
| Net charge-offs to loans | -1.7611% | 6,844 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8254% | 635 |
| Assets per employee ($millions) | 3.5171% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4011% | 176 |
| Loan loss allowance to noncurrent loans | 307.0934% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 6.5489% | 327 |
| Noncurrent loans to loans | 1.4331% | 3,014 |
| Net loans and leases to total assets | 60.9023% | 3,542 |
| Net loans and leases to deposits | 67.2082% | 4,152 |
| Net loans and leases to core deposits | 76.7146% | 3,535 |
| Total domestic deposits to total assets | 90.6173% | 696 |
| Equity capital to assets | 8.8030% | 5,422 |
| Core capital (leverage) ratio | 8.9539% | 5,196 |
| Tier 1 risk-based capital ratio | 11.9839% | 5,787 |
| Total risk-based capital ratio | 13.2645% | 5,711 |
| Memoranda: | ||
| Average total assets | $63,176,500 | 5,734 |
| Average earning assets | $51,707,000 | 5,909 |
| Average equity | $5,606,750 | 5,972 |
| Average total loans | $38,534,750 | 5,459 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 2,310 |
| Cost of funding earning assets | 0.6885% | 2,154 |
| Net interest margin | 3.7808% | 2,633 |
| Noninterest income to average assets | 1.7550% | 542 |
| Noninterest expense to average assets | 4.3337% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5005% | 4,798 |
| Return on assets (ROA) | 0.5005% | 4,966 |
| Pretax return on assets | 0.5005% | 5,378 |
| Return on Equity (ROE) | 5.6248% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.6248% | 2,660 |
| Net charge-offs to loans | -2.9154% | 6,897 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6461% | 1,073 |
| Assets per employee ($millions) | 3.4113% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7773% | 137 |
| Loan loss allowance to noncurrent loans | 724.7012% | 624 |
| Noncurrent assets plus other real estate owned to assets | 6.2862% | 419 |
| Noncurrent loans to loans | 0.6592% | 4,621 |
| Net loans and leases to total assets | 59.0466% | 3,820 |
| Net loans and leases to deposits | 65.4376% | 4,330 |
| Net loans and leases to core deposits | 75.4741% | 3,614 |
| Total domestic deposits to total assets | 90.2335% | 894 |
| Equity capital to assets | 9.2323% | 4,946 |
| Core capital (leverage) ratio | 9.1651% | 4,741 |
| Tier 1 risk-based capital ratio | 12.8247% | 5,275 |
| Total risk-based capital ratio | 14.1076% | 5,181 |
| Memoranda: | ||
| Average total assets | $63,132,670 | 5,774 |
| Average earning assets | $51,417,670 | 5,953 |
| Average equity | $5,618,000 | 6,012 |
| Average total loans | $37,936,000 | 5,508 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,921 |
| Cost of funding earning assets | 0.7242% | 2,031 |
| Net interest margin | 3.5669% | 3,398 |
| Noninterest income to average assets | 1.2563% | 970 |
| Noninterest expense to average assets | 4.1377% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0125% | 6,323 |
| Return on assets (ROA) | 0.0125% | 6,400 |
| Pretax return on assets | 0.0125% | 6,391 |
| Return on Equity (ROE) | 0.1430% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.1430% | 5,734 |
| Net charge-offs to loans | -0.6972% | 6,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6988% | 555 |
| Assets per employee ($millions) | 3.5499% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4237% | 449 |
| Loan loss allowance to noncurrent loans | 528.5714% | 817 |
| Noncurrent assets plus other real estate owned to assets | 6.3898% | 476 |
| Noncurrent loans to loans | 0.6477% | 4,826 |
| Net loans and leases to total assets | 58.8006% | 3,652 |
| Net loans and leases to deposits | 64.8190% | 4,208 |
| Net loans and leases to core deposits | 78.4372% | 3,003 |
| Total domestic deposits to total assets | 90.7150% | 666 |
| Equity capital to assets | 8.7451% | 5,767 |
| Core capital (leverage) ratio | 8.7663% | 5,238 |
| Tier 1 risk-based capital ratio | 12.2567% | 5,753 |
| Total risk-based capital ratio | 13.5280% | 5,687 |
| Memoranda: | ||
| Average total assets | $63,997,000 | 5,804 |
| Average earning assets | $51,921,500 | 5,990 |
| Average equity | $5,592,500 | 6,075 |
| Average total loans | $37,866,000 | 5,548 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2423% | 4,430 |
| Cost of funding earning assets | 1.0482% | 1,130 |
| Net interest margin | 3.1940% | 5,585 |
| Noninterest income to average assets | 0.9029% | 1,849 |
| Noninterest expense to average assets | 4.6238% | 506 |
| Loan and lease loss provision to assets | 0.3572% | 1,871 |
| Net operating income to assets | -1.5169% | 6,861 |
| Return on assets (ROA) | -1.5169% | 6,872 |
| Pretax return on assets | -1.5169% | 6,853 |
| Return on Equity (ROE) | -18.0804% | 6,856 |
| Retained earnings to average equity (ytd only) | -18.0804% | 6,815 |
| Net charge-offs to loans | 0.4969% | 2,250 |
| Credit loss provision to net charge-offs | 126.3441% | 2,233 |
| Earnings coverage of net charge-offs (x) | -4.1022% | 5,895 |
| Efficiency ratio | 133.4796% | 140 |
| Assets per employee ($millions) | 3.7703% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4377% | 450 |
| Loan loss allowance to noncurrent loans | 500.3953% | 827 |
| Noncurrent assets plus other real estate owned to assets | 8.1052% | 333 |
| Noncurrent loans to loans | 0.6870% | 4,822 |
| Net loans and leases to total assets | 55.4817% | 4,382 |
| Net loans and leases to deposits | 61.1402% | 4,891 |
| Net loans and leases to core deposits | 74.2385% | 3,752 |
| Total domestic deposits to total assets | 90.7450% | 596 |
| Equity capital to assets | 8.7324% | 5,815 |
| Core capital (leverage) ratio | 8.2670% | 5,922 |
| Tier 1 risk-based capital ratio | 12.2130% | 5,650 |
| Total risk-based capital ratio | 13.4823% | 5,597 |
| Memoranda: | ||
| Average total assets | $65,790,600 | 5,750 |
| Average earning assets | $52,754,600 | 5,961 |
| Average equity | $5,519,800 | 6,141 |
| Average total loans | $37,430,600 | 5,613 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2109% | 4,781 |
| Cost of funding earning assets | 1.1025% | 1,055 |
| Net interest margin | 3.1085% | 5,922 |
| Noninterest income to average assets | 0.8679% | 1,952 |
| Noninterest expense to average assets | 4.7541% | 440 |
| Loan and lease loss provision to assets | 0.4732% | 1,309 |
| Net operating income to assets | -1.8727% | 7,027 |
| Return on assets (ROA) | -1.8727% | 7,037 |
| Pretax return on assets | -1.8727% | 7,016 |
| Return on Equity (ROE) | -22.5429% | 7,016 |
| Retained earnings to average equity (ytd only) | -22.5429% | 7,001 |
| Net charge-offs to loans | 0.5322% | 2,013 |
| Credit loss provision to net charge-offs | 156.6667% | 1,793 |
| Earnings coverage of net charge-offs (x) | -4.6332% | 5,702 |
| Efficiency ratio | 141.7167% | 114 |
| Assets per employee ($millions) | 3.7267% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5896% | 432 |
| Loan loss allowance to noncurrent loans | 302.7907% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 8.2095% | 367 |
| Noncurrent loans to loans | 1.1855% | 4,080 |
| Net loans and leases to total assets | 52.1295% | 5,028 |
| Net loans and leases to deposits | 57.3215% | 5,503 |
| Net loans and leases to core deposits | 69.4449% | 4,568 |
| Total domestic deposits to total assets | 90.9423% | 428 |
| Equity capital to assets | 8.4510% | 6,305 |
| Core capital (leverage) ratio | 8.6164% | 5,602 |
| Tier 1 risk-based capital ratio | 11.6721% | 6,132 |
| Total risk-based capital ratio | 12.9410% | 6,102 |
| Memoranda: | ||
| Average total assets | $66,214,500 | 5,807 |
| Average earning assets | $52,972,000 | 6,027 |
| Average equity | $5,500,500 | 6,218 |
| Average total loans | $37,581,500 | 5,676 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 4,704 |
| Cost of funding earning assets | 1.1915% | 849 |
| Net interest margin | 3.0741% | 6,067 |
| Noninterest income to average assets | 0.6340% | 3,047 |
| Noninterest expense to average assets | 4.5961% | 510 |
| Loan and lease loss provision to assets | 0.6674% | 850 |
| Net operating income to assets | -2.1873% | 7,091 |
| Return on assets (ROA) | -2.1873% | 7,101 |
| Pretax return on assets | -2.1873% | 7,090 |
| Return on Equity (ROE) | -26.4863% | 7,080 |
| Retained earnings to average equity (ytd only) | -26.4863% | 7,068 |
| Net charge-offs to loans | 0.8207% | 1,342 |
| Credit loss provision to net charge-offs | 141.0256% | 1,960 |
| Earnings coverage of net charge-offs (x) | -3.2115% | 5,416 |
| Efficiency ratio | 149.4083% | 103 |
| Assets per employee ($millions) | 3.4253% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4311% | 523 |
| Loan loss allowance to noncurrent loans | 139.5425% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 9.9584% | 266 |
| Noncurrent loans to loans | 2.4588% | 2,443 |
| Net loans and leases to total assets | 55.3987% | 4,565 |
| Net loans and leases to deposits | 61.2736% | 5,091 |
| Net loans and leases to core deposits | 74.9548% | 3,891 |
| Total domestic deposits to total assets | 90.4119% | 711 |
| Equity capital to assets | 9.0103% | 5,689 |
| Core capital (leverage) ratio | 8.9549% | 4,977 |
| Tier 1 risk-based capital ratio | 11.8832% | 6,004 |
| Total risk-based capital ratio | 13.1513% | 5,963 |
| Memoranda: | ||
| Average total assets | $65,925,670 | 5,850 |
| Average earning assets | $52,372,670 | 6,082 |
| Average equity | $5,444,330 | 6,256 |
| Average total loans | $38,018,330 | 5,688 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 5,114 |
| Cost of funding earning assets | 1.2772% | 693 |
| Net interest margin | 2.9194% | 6,456 |
| Noninterest income to average assets | 0.6752% | 2,779 |
| Noninterest expense to average assets | 4.7145% | 450 |
| Loan and lease loss provision to assets | 0.7235% | 714 |
| Net operating income to assets | -2.4477% | 7,187 |
| Return on assets (ROA) | -2.4477% | 7,190 |
| Pretax return on assets | -2.4477% | 7,172 |
| Return on Equity (ROE) | -31.0249% | 7,170 |
| Retained earnings to average equity (ytd only) | -31.0249% | 7,141 |
| Net charge-offs to loans | 0.7925% | 1,296 |
| Credit loss provision to net charge-offs | 157.8947% | 1,605 |
| Earnings coverage of net charge-offs (x) | -3.7632% | 4,652 |
| Efficiency ratio | 157.6613% | 88 |
| Assets per employee ($millions) | 3.4575% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3027% | 620 |
| Loan loss allowance to noncurrent loans | 81.3548% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 10.7456% | 258 |
| Noncurrent loans to loans | 4.0596% | 1,497 |
| Net loans and leases to total assets | 56.2017% | 4,351 |
| Net loans and leases to deposits | 61.2455% | 5,014 |
| Net loans and leases to core deposits | 75.0178% | 3,743 |
| Total domestic deposits to total assets | 91.7646% | 315 |
| Equity capital to assets | 7.6585% | 6,711 |
| Core capital (leverage) ratio | 7.4705% | 6,653 |
| Tier 1 risk-based capital ratio | 9.9468% | 6,891 |
| Total risk-based capital ratio | 11.2122% | 6,888 |
| Memoranda: | ||
| Average total assets | $66,348,000 | 5,872 |
| Average earning assets | $52,614,000 | 6,114 |
| Average equity | $5,234,500 | 6,351 |
| Average total loans | $38,360,000 | 5,715 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 6,454 |
| Cost of funding earning assets | 1.5602% | 558 |
| Net interest margin | 2.4395% | 7,086 |
| Noninterest income to average assets | 0.4966% | 3,869 |
| Noninterest expense to average assets | 5.1879% | 339 |
| Loan and lease loss provision to assets | 1.3776% | 571 |
| Net operating income to assets | -4.1040% | 7,260 |
| Return on assets (ROA) | -4.1040% | 7,265 |
| Pretax return on assets | -4.1040% | 7,276 |
| Return on Equity (ROE) | -49.4811% | 7,200 |
| Retained earnings to average equity (ytd only) | -49.4811% | 7,197 |
| Net charge-offs to loans | 2.3150% | 537 |
| Credit loss provision to net charge-offs | 102.0256% | 3,401 |
| Earnings coverage of net charge-offs (x) | -2.0192% | 6,278 |
| Efficiency ratio | 210.7602% | 51 |
| Assets per employee ($millions) | 3.3502% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1578% | 706 |
| Loan loss allowance to noncurrent loans | 62.3144% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 11.7306% | 223 |
| Noncurrent loans to loans | 5.0676% | 1,107 |
| Net loans and leases to total assets | 55.7012% | 4,763 |
| Net loans and leases to deposits | 60.9637% | 5,372 |
| Net loans and leases to core deposits | 75.0070% | 4,103 |
| Total domestic deposits to total assets | 91.3677% | 371 |
| Equity capital to assets | 8.1159% | 6,501 |
| Core capital (leverage) ratio | 7.9961% | 6,278 |
| Tier 1 risk-based capital ratio | 10.5965% | 6,643 |
| Total risk-based capital ratio | 11.8611% | 6,615 |
| Memoranda: | ||
| Average total assets | $69,468,800 | 5,756 |
| Average earning assets | $55,953,800 | 5,987 |
| Average equity | $5,761,800 | 6,216 |
| Average total loans | $40,518,200 | 5,666 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 6,678 |
| Cost of funding earning assets | 1.6105% | 551 |
| Net interest margin | 2.3265% | 7,208 |
| Noninterest income to average assets | 0.4337% | 4,410 |
| Noninterest expense to average assets | 4.5734% | 542 |
| Loan and lease loss provision to assets | 1.2841% | 587 |
| Net operating income to assets | -3.5385% | 7,303 |
| Return on assets (ROA) | -3.5385% | 7,306 |
| Pretax return on assets | -3.5385% | 7,305 |
| Return on Equity (ROE) | -42.4447% | 7,263 |
| Retained earnings to average equity (ytd only) | -42.4447% | 7,257 |
| Net charge-offs to loans | 1.8595% | 711 |
| Credit loss provision to net charge-offs | 118.0070% | 2,764 |
| Earnings coverage of net charge-offs (x) | -2.0717% | 6,027 |
| Efficiency ratio | 197.2108% | 53 |
| Assets per employee ($millions) | 3.5919% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2462% | 690 |
| Loan loss allowance to noncurrent loans | 67.3047% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 12.3038% | 217 |
| Noncurrent loans to loans | 4.8231% | 1,331 |
| Net loans and leases to total assets | 56.8186% | 4,713 |
| Net loans and leases to deposits | 62.7033% | 5,323 |
| Net loans and leases to core deposits | 75.6196% | 4,241 |
| Total domestic deposits to total assets | 90.6150% | 583 |
| Equity capital to assets | 8.6861% | 6,098 |
| Core capital (leverage) ratio | 8.7224% | 5,372 |
| Tier 1 risk-based capital ratio | 11.1454% | 6,459 |
| Total risk-based capital ratio | 12.4107% | 6,437 |
| Memoranda: | ||
| Average total assets | $70,085,000 | 5,781 |
| Average earning assets | $56,793,500 | 6,007 |
| Average equity | $5,842,750 | 6,240 |
| Average total loans | $41,013,000 | 5,696 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 6,858 |
| Cost of funding earning assets | 1.6745% | 518 |
| Net interest margin | 2.1841% | 7,321 |
| Noninterest income to average assets | 0.3932% | 4,735 |
| Noninterest expense to average assets | 4.6536% | 508 |
| Loan and lease loss provision to assets | 1.7398% | 388 |
| Net operating income to assets | -4.2180% | 7,404 |
| Return on assets (ROA) | -4.2180% | 7,407 |
| Pretax return on assets | -4.2180% | 7,400 |
| Return on Equity (ROE) | -51.2871% | 7,351 |
| Retained earnings to average equity (ytd only) | -51.2871% | 7,348 |
| Net charge-offs to loans | 2.6231% | 429 |
| Credit loss provision to net charge-offs | 113.4686% | 2,700 |
| Earnings coverage of net charge-offs (x) | -1.6162% | 5,691 |
| Efficiency ratio | 213.9142% | 49 |
| Assets per employee ($millions) | 3.7494% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2337% | 735 |
| Loan loss allowance to noncurrent loans | 50.9623% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 12.1514% | 258 |
| Noncurrent loans to loans | 6.3452% | 899 |
| Net loans and leases to total assets | 56.3550% | 4,930 |
| Net loans and leases to deposits | 61.5776% | 5,551 |
| Net loans and leases to core deposits | 74.4203% | 4,522 |
| Total domestic deposits to total assets | 91.5187% | 337 |
| Equity capital to assets | 7.8486% | 6,773 |
| Core capital (leverage) ratio | 7.4873% | 6,749 |
| Tier 1 risk-based capital ratio | 10.2792% | 6,882 |
| Total risk-based capital ratio | 11.5445% | 6,867 |
| Memoranda: | ||
| Average total assets | $70,697,670 | 5,807 |
| Average earning assets | $57,690,000 | 6,031 |
| Average equity | $5,814,330 | 6,285 |
| Average total loans | $41,324,670 | 5,743 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 6,992 |
| Cost of funding earning assets | 1.7018% | 546 |
| Net interest margin | 2.0635% | 7,395 |
| Noninterest income to average assets | 0.2822% | 5,652 |
| Noninterest expense to average assets | 4.0110% | 1,022 |
| Loan and lease loss provision to assets | 3.4024% | 132 |
| Net operating income to assets | -5.4273% | 7,498 |
| Return on assets (ROA) | -5.4273% | 7,498 |
| Pretax return on assets | -5.4273% | 7,494 |
| Return on Equity (ROE) | -64.6139% | 7,456 |
| Retained earnings to average equity (ytd only) | -64.6139% | 7,447 |
| Net charge-offs to loans | 0.3024% | 2,833 |
| Credit loss provision to net charge-offs | 1,921.8750% | 209 |
| Earnings coverage of net charge-offs (x) | -11.4375% | 5,062 |
| Efficiency ratio | 201.9499% | 65 |
| Assets per employee ($millions) | 3.9526% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5254% | 284 |
| Loan loss allowance to noncurrent loans | 55.9711% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 12.9789% | 216 |
| Noncurrent loans to loans | 8.0852% | 608 |
| Net loans and leases to total assets | 52.8139% | 5,487 |
| Net loans and leases to deposits | 57.9075% | 5,933 |
| Net loans and leases to core deposits | 67.8617% | 5,305 |
| Total domestic deposits to total assets | 91.2040% | 529 |
| Equity capital to assets | 8.1621% | 6,329 |
| Core capital (leverage) ratio | 8.0003% | 6,261 |
| Tier 1 risk-based capital ratio | 11.1271% | 6,415 |
| Total risk-based capital ratio | 12.4032% | 6,363 |
| Memoranda: | ||
| Average total assets | $72,301,500 | 5,809 |
| Average earning assets | $59,703,000 | 6,007 |
| Average equity | $6,073,000 | 6,219 |
| Average total loans | $42,334,500 | 5,736 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 6,238 |
| Cost of funding earning assets | 2.0353% | 531 |
| Net interest margin | 2.5196% | 7,257 |
| Noninterest income to average assets | 0.1842% | 6,438 |
| Noninterest expense to average assets | 4.8919% | 459 |
| Loan and lease loss provision to assets | 4.2862% | 136 |
| Net operating income to assets | -6.8177% | 7,599 |
| Return on assets (ROA) | -6.8177% | 7,603 |
| Pretax return on assets | -6.8216% | 7,607 |
| Return on Equity (ROE) | -92.9357% | 7,582 |
| Retained earnings to average equity (ytd only) | -92.9357% | 7,582 |
| Net charge-offs to loans | 5.8639% | 104 |
| Credit loss provision to net charge-offs | 104.7544% | 4,283 |
| Earnings coverage of net charge-offs (x) | -0.6197% | 6,507 |
| Efficiency ratio | 207.5949% | 81 |
| Assets per employee ($millions) | 4.3210% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6438% | 1,237 |
| Loan loss allowance to noncurrent loans | 28.3148% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 9.4436% | 459 |
| Noncurrent loans to loans | 9.3373% | 476 |
| Net loans and leases to total assets | 60.0555% | 4,673 |
| Net loans and leases to deposits | 66.1305% | 5,381 |
| Net loans and leases to core deposits | 76.1431% | 4,692 |
| Total domestic deposits to total assets | 90.8137% | 684 |
| Equity capital to assets | 8.6295% | 5,685 |
| Core capital (leverage) ratio | 8.5338% | 5,295 |
| Tier 1 risk-based capital ratio | 11.6088% | 5,810 |
| Total risk-based capital ratio | 12.8706% | 5,808 |
| Memoranda: | ||
| Average total assets | $77,107,800 | 5,677 |
| Average earning assets | $66,478,200 | 5,783 |
| Average equity | $5,656,600 | 6,466 |
| Average total loans | $53,803,600 | 5,325 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 6,174 |
| Cost of funding earning assets | 2.0815% | 573 |
| Net interest margin | 2.5733% | 7,333 |
| Noninterest income to average assets | 0.1641% | 6,691 |
| Noninterest expense to average assets | 4.0057% | 1,035 |
| Loan and lease loss provision to assets | 3.0846% | 274 |
| Net operating income to assets | -4.6944% | 7,625 |
| Return on assets (ROA) | -4.6944% | 7,631 |
| Pretax return on assets | -4.6995% | 7,614 |
| Return on Equity (ROE) | -66.7623% | 7,627 |
| Retained earnings to average equity (ytd only) | -66.7623% | 7,625 |
| Net charge-offs to loans | 4.2984% | 257 |
| Credit loss provision to net charge-offs | 100.1109% | 4,302 |
| Earnings coverage of net charge-offs (x) | -0.5241% | 6,333 |
| Efficiency ratio | 167.5482% | 144 |
| Assets per employee ($millions) | 4.5153% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1262% | 1,936 |
| Loan loss allowance to noncurrent loans | 23.7395% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 9.1350% | 488 |
| Noncurrent loans to loans | 8.9562% | 539 |
| Net loans and leases to total assets | 62.9690% | 4,333 |
| Net loans and leases to deposits | 67.7872% | 5,447 |
| Net loans and leases to core deposits | 76.1985% | 5,031 |
| Total domestic deposits to total assets | 92.8921% | 105 |
| Equity capital to assets | 6.3158% | 7,446 |
| Core capital (leverage) ratio | 6.1847% | 7,408 |
| Tier 1 risk-based capital ratio | 8.1799% | 7,465 |
| Total risk-based capital ratio | 9.4370% | 7,471 |
| Memoranda: | ||
| Average total assets | $78,020,500 | 5,714 |
| Average earning assets | $67,512,250 | 5,816 |
| Average equity | $5,486,000 | 6,594 |
| Average total loans | $55,926,250 | 5,310 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 5,932 |
| Cost of funding earning assets | 2.1153% | 623 |
| Net interest margin | 2.6441% | 7,307 |
| Noninterest income to average assets | 0.1326% | 6,925 |
| Noninterest expense to average assets | 4.2350% | 776 |
| Loan and lease loss provision to assets | 0.7139% | 2,038 |
| Net operating income to assets | -2.5140% | 7,421 |
| Return on assets (ROA) | -2.5140% | 7,434 |
| Pretax return on assets | -2.5217% | 7,371 |
| Return on Equity (ROE) | -34.6046% | 7,483 |
| Retained earnings to average equity (ytd only) | -34.6046% | 7,473 |
| Net charge-offs to loans | 0.5748% | 2,811 |
| Credit loss provision to net charge-offs | 167.6647% | 2,344 |
| Earnings coverage of net charge-offs (x) | -4.2455% | 6,283 |
| Efficiency ratio | 174.4748% | 138 |
| Assets per employee ($millions) | 4.5061% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1032% | 1,955 |
| Loan loss allowance to noncurrent loans | 23.3931% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 9.8859% | 417 |
| Noncurrent loans to loans | 8.9906% | 529 |
| Net loans and leases to total assets | 70.5459% | 2,785 |
| Net loans and leases to deposits | 77.9363% | 3,976 |
| Net loans and leases to core deposits | 87.0211% | 3,694 |
| Total domestic deposits to total assets | 90.5175% | 680 |
| Equity capital to assets | 8.6288% | 5,975 |
| Core capital (leverage) ratio | 8.3007% | 5,773 |
| Tier 1 risk-based capital ratio | 10.3222% | 6,821 |
| Total risk-based capital ratio | 11.5792% | 6,796 |
| Memoranda: | ||
| Average total assets | $78,440,670 | 5,744 |
| Average earning assets | $68,076,670 | 5,826 |
| Average equity | $5,698,670 | 6,563 |
| Average total loans | $58,106,670 | 5,268 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 5,882 |
| Cost of funding earning assets | 2.1211% | 756 |
| Net interest margin | 2.6817% | 7,318 |
| Noninterest income to average assets | 0.1260% | 7,049 |
| Noninterest expense to average assets | 4.2742% | 738 |
| Loan and lease loss provision to assets | 0.8065% | 1,566 |
| Net operating income to assets | -2.6008% | 7,577 |
| Return on assets (ROA) | -2.6008% | 7,577 |
| Pretax return on assets | -2.6160% | 7,533 |
| Return on Equity (ROE) | -39.3668% | 7,647 |
| Retained earnings to average equity (ytd only) | -39.3668% | 7,630 |
| Net charge-offs to loans | 1.1216% | 1,503 |
| Credit loss provision to net charge-offs | 95.8084% | 3,528 |
| Earnings coverage of net charge-offs (x) | -2.1497% | 5,480 |
| Efficiency ratio | 173.4151% | 134 |
| Assets per employee ($millions) | 3.6480% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 2,723 |
| Loan loss allowance to noncurrent loans | 20.8952% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 9.1658% | 484 |
| Noncurrent loans to loans | 8.6255% | 588 |
| Net loans and leases to total assets | 70.6722% | 2,764 |
| Net loans and leases to deposits | 75.9531% | 4,423 |
| Net loans and leases to core deposits | 85.3865% | 3,985 |
| Total domestic deposits to total assets | 93.0472% | 119 |
| Equity capital to assets | 6.2115% | 7,588 |
| Core capital (leverage) ratio | 6.2825% | 7,533 |
| Tier 1 risk-based capital ratio | 7.5489% | 7,655 |
| Total risk-based capital ratio | 8.8028% | 7,662 |
| Memoranda: | ||
| Average total assets | $79,359,000 | 5,788 |
| Average earning assets | $69,210,500 | 5,871 |
| Average equity | $5,243,000 | 6,762 |
| Average total loans | $59,559,000 | 5,268 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 4,256 |
| Cost of funding earning assets | 2.3937% | 1,318 |
| Net interest margin | 3.0860% | 6,416 |
| Noninterest income to average assets | 0.1819% | 6,787 |
| Noninterest expense to average assets | 4.0779% | 1,262 |
| Loan and lease loss provision to assets | 2.8148% | 650 |
| Net operating income to assets | -3.9965% | 7,605 |
| Return on assets (ROA) | -3.9965% | 7,601 |
| Pretax return on assets | -3.9952% | 7,522 |
| Return on Equity (ROE) | -41.6534% | 7,593 |
| Retained earnings to average equity (ytd only) | -43.5094% | 7,603 |
| Net charge-offs to loans | 3.7955% | 466 |
| Credit loss provision to net charge-offs | 87.3323% | 6,086 |
| Earnings coverage of net charge-offs (x) | -0.3662% | 6,598 |
| Efficiency ratio | 140.7375% | 377 |
| Assets per employee ($millions) | 3.5665% | 4,858 |
| Cash dividends to net income (ytd only)* | -4.4558% | 7,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 2,874 |
| Loan loss allowance to noncurrent loans | 24.3043% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 7.5067% | 643 |
| Noncurrent loans to loans | 7.0275% | 796 |
| Net loans and leases to total assets | 76.8655% | 1,615 |
| Net loans and leases to deposits | 83.1669% | 3,427 |
| Net loans and leases to core deposits | 128.8559% | 1,344 |
| Total domestic deposits to total assets | 92.4232% | 195 |
| Equity capital to assets | 7.0109% | 7,366 |
| Core capital (leverage) ratio | 7.1305% | 7,130 |
| Tier 1 risk-based capital ratio | 8.1747% | 7,627 |
| Total risk-based capital ratio | 9.4289% | 7,640 |
| Memoranda: | ||
| Average total assets | $78,619,200 | 5,766 |
| Average earning assets | $69,182,800 | 5,836 |
| Average equity | $7,543,200 | 6,071 |
| Average total loans | $66,762,600 | 4,991 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5215% | 4,312 |
| Cost of funding earning assets | 2.4713% | 1,386 |
| Net interest margin | 3.0502% | 6,463 |
| Noninterest income to average assets | 0.2882% | 6,177 |
| Noninterest expense to average assets | 3.7088% | 1,800 |
| Loan and lease loss provision to assets | 1.8866% | 972 |
| Net operating income to assets | -2.6206% | 7,488 |
| Return on assets (ROA) | -2.6206% | 7,492 |
| Pretax return on assets | -2.6189% | 7,390 |
| Return on Equity (ROE) | -25.5940% | 7,516 |
| Retained earnings to average equity (ytd only) | -27.9117% | 7,549 |
| Net charge-offs to loans | 1.4015% | 1,472 |
| Credit loss provision to net charge-offs | 155.4469% | 3,071 |
| Earnings coverage of net charge-offs (x) | -0.6034% | 6,523 |
| Efficiency ratio | 124.6014% | 534 |
| Assets per employee ($millions) | 3.4931% | 4,950 |
| Cash dividends to net income (ytd only)* | -9.0555% | 7,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6781% | 899 |
| Loan loss allowance to noncurrent loans | 39.1748% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 7.2740% | 634 |
| Noncurrent loans to loans | 6.8362% | 801 |
| Net loans and leases to total assets | 83.5105% | 605 |
| Net loans and leases to deposits | 92.6436% | 2,127 |
| Net loans and leases to core deposits | 134.8936% | 1,157 |
| Total domestic deposits to total assets | 90.1417% | 716 |
| Equity capital to assets | 9.2350% | 5,110 |
| Core capital (leverage) ratio | 9.2433% | 4,272 |
| Tier 1 risk-based capital ratio | 10.1186% | 6,862 |
| Total risk-based capital ratio | 11.3833% | 6,796 |
| Memoranda: | ||
| Average total assets | $78,658,250 | 5,807 |
| Average earning assets | $69,327,750 | 5,867 |
| Average equity | $8,053,750 | 5,965 |
| Average total loans | $68,113,500 | 4,982 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5753% | 4,188 |
| Cost of funding earning assets | 2.5602% | 1,401 |
| Net interest margin | 3.0151% | 6,507 |
| Noninterest income to average assets | 0.3230% | 5,926 |
| Noninterest expense to average assets | 3.6411% | 1,971 |
| Loan and lease loss provision to assets | 0.9286% | 1,817 |
| Net operating income to assets | -1.5897% | 7,288 |
| Return on assets (ROA) | -1.5897% | 7,292 |
| Pretax return on assets | -1.5872% | 7,128 |
| Return on Equity (ROE) | -15.0490% | 7,330 |
| Retained earnings to average equity (ytd only) | -17.1510% | 7,353 |
| Net charge-offs to loans | 1.4730% | 1,288 |
| Credit loss provision to net charge-offs | 72.5838% | 5,373 |
| Earnings coverage of net charge-offs (x) | -0.5148% | 6,082 |
| Efficiency ratio | 122.0812% | 629 |
| Assets per employee ($millions) | 3.9327% | 3,809 |
| Cash dividends to net income (ytd only)* | -13.9683% | 7,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 1,972 |
| Loan loss allowance to noncurrent loans | 40.9318% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 5.5332% | 908 |
| Noncurrent loans to loans | 4.4624% | 1,448 |
| Net loans and leases to total assets | 84.0540% | 629 |
| Net loans and leases to deposits | 94.4362% | 2,022 |
| Net loans and leases to core deposits | 130.1679% | 1,543 |
| Total domestic deposits to total assets | 89.0061% | 1,269 |
| Equity capital to assets | 10.2539% | 3,664 |
| Core capital (leverage) ratio | 10.2041% | 3,092 |
| Tier 1 risk-based capital ratio | 11.0894% | 5,788 |
| Total risk-based capital ratio | 12.3448% | 5,699 |
| Memoranda: | ||
| Average total assets | $79,261,330 | 5,825 |
| Average earning assets | $69,915,670 | 5,887 |
| Average equity | $8,372,670 | 5,891 |
| Average total loans | $68,837,000 | 5,002 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5187% | 4,816 |
| Cost of funding earning assets | 2.6399% | 1,450 |
| Net interest margin | 2.8788% | 6,803 |
| Noninterest income to average assets | 0.2916% | 6,104 |
| Noninterest expense to average assets | 3.5945% | 1,878 |
| Loan and lease loss provision to assets | 1.5484% | 813 |
| Net operating income to assets | -2.3126% | 7,726 |
| Return on assets (ROA) | -2.3126% | 7,727 |
| Pretax return on assets | -2.3075% | 7,616 |
| Return on Equity (ROE) | -21.5798% | 7,788 |
| Retained earnings to average equity (ytd only) | -24.0661% | 7,747 |
| Net charge-offs to loans | 1.6670% | 866 |
| Credit loss provision to net charge-offs | 106.2069% | 3,588 |
| Earnings coverage of net charge-offs (x) | -0.5207% | 5,256 |
| Efficiency ratio | 126.7730% | 539 |
| Assets per employee ($millions) | 4.0252% | 3,612 |
| Cash dividends to net income (ytd only)* | -11.5217% | 8,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9907% | 1,441 |
| Loan loss allowance to noncurrent loans | 35.4641% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 5.5090% | 773 |
| Noncurrent loans to loans | 5.6134% | 900 |
| Net loans and leases to total assets | 84.8231% | 576 |
| Net loans and leases to deposits | 98.0093% | 1,665 |
| Net loans and leases to core deposits | 134.8806% | 1,366 |
| Total domestic deposits to total assets | 86.5460% | 2,427 |
| Equity capital to assets | 10.2728% | 3,679 |
| Core capital (leverage) ratio | 10.4418% | 2,991 |
| Tier 1 risk-based capital ratio | 11.0435% | 5,867 |
| Total risk-based capital ratio | 12.3014% | 5,768 |
| Memoranda: | ||
| Average total assets | $79,565,500 | 5,839 |
| Average earning assets | $70,307,000 | 5,898 |
| Average equity | $8,526,500 | 5,870 |
| Average total loans | $69,585,000 | 5,000 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6013% | 2,493 |
| Cost of funding earning assets | 3.3328% | 848 |
| Net interest margin | 3.2685% | 6,146 |
| Noninterest income to average assets | 0.3255% | 6,123 |
| Noninterest expense to average assets | 4.1356% | 1,221 |
| Loan and lease loss provision to assets | 1.4429% | 954 |
| Net operating income to assets | -3.5292% | 7,917 |
| Return on assets (ROA) | -3.5292% | 7,899 |
| Pretax return on assets | -2.4066% | 7,565 |
| Return on Equity (ROE) | -27.4715% | 7,911 |
| Retained earnings to average equity (ytd only) | -29.5992% | 7,900 |
| Net charge-offs to loans | 0.8950% | 1,386 |
| Credit loss provision to net charge-offs | 183.9546% | 2,702 |
| Earnings coverage of net charge-offs (x) | -1.2285% | 6,629 |
| Efficiency ratio | 130.3808% | 462 |
| Assets per employee ($millions) | 3.4186% | 4,887 |
| Cash dividends to net income (ytd only)* | -7.7450% | 7,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9699% | 1,283 |
| Loan loss allowance to noncurrent loans | 42.9962% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 4.6409% | 790 |
| Noncurrent loans to loans | 4.5815% | 1,035 |
| Net loans and leases to total assets | 86.6471% | 517 |
| Net loans and leases to deposits | 101.2138% | 1,676 |
| Net loans and leases to core deposits | 144.9563% | 1,055 |
| Total domestic deposits to total assets | 85.6080% | 2,581 |
| Equity capital to assets | 11.1705% | 2,900 |
| Core capital (leverage) ratio | 10.8380% | 2,717 |
| Tier 1 risk-based capital ratio | 11.8492% | 4,944 |
| Total risk-based capital ratio | 13.1066% | 4,838 |
| Memoranda: | ||
| Average total assets | $78,658,400 | 5,741 |
| Average earning assets | $68,501,800 | 5,871 |
| Average equity | $10,105,000 | 5,375 |
| Average total loans | $68,942,000 | 4,908 |