Home > Bank of Camilla > Performance and Condition Ratios
Bank of Camilla, 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 | 6.2051% | 936 |
| Cost of funding earning assets | 2.3674% | 1,094 |
| Net interest margin | 3.8376% | 1,608 |
| Noninterest income to average assets | 0.2800% | 3,001 |
| Noninterest expense to average assets | 2.3559% | 2,694 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.1407% | 1,889 |
| Return on assets (ROA) | 1.1041% | 1,997 |
| Pretax return on assets | 1.4325% | 1,661 |
| Return on Equity (ROE) | 5.2400% | 3,490 |
| Retained earnings to average equity (ytd only) | -7.3094% | 4,180 |
| Net charge-offs to loans | 0.0179% | 1,650 |
| Credit loss provision to net charge-offs | 400.0000% | 603 |
| Earnings coverage of net charge-offs (x) | 135.4000% | 571 |
| Efficiency ratio | 61.2257% | 2,806 |
| Assets per employee ($millions) | 7.4997% | 1,889 |
| Cash dividends to net income (ytd only)* | 239.5210% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,244 |
| Loan loss allowance to noncurrent loans | 261.8110% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 2,099 |
| Noncurrent loans to loans | 0.4543% | 1,987 |
| Net loans and leases to total assets | 64.0500% | 2,489 |
| Net loans and leases to deposits | 83.3508% | 1,748 |
| Net loans and leases to core deposits | 104.0527% | 1,137 |
| Total domestic deposits to total assets | 76.8400% | 3,917 |
| Equity capital to assets | 22.0663% | 240 |
| Core capital (leverage) ratio | 20.4273% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $181,505,000 | 3,140 |
| Average earning assets | $168,959,000 | 3,141 |
| Average equity | $38,252,000 | 2,095 |
| Average total loans | $111,818,500 | 3,112 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0074% | 1,278 |
| Cost of funding earning assets | 2.4978% | 1,156 |
| Net interest margin | 3.5096% | 2,056 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 2.2901% | 2,892 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.0740% | 1,828 |
| Return on assets (ROA) | 1.0767% | 1,823 |
| Pretax return on assets | 1.3244% | 1,691 |
| Return on Equity (ROE) | 5.1200% | 3,487 |
| Retained earnings to average equity (ytd only) | 2.5039% | 3,216 |
| Net charge-offs to loans | -0.1099% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 62.3955% | 2,897 |
| Assets per employee ($millions) | 7.6206% | 1,774 |
| Cash dividends to net income (ytd only)* | 51.0881% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,294 |
| Loan loss allowance to noncurrent loans | 243.3333% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 2,101 |
| Noncurrent loans to loans | 0.4829% | 1,879 |
| Net loans and leases to total assets | 58.0100% | 3,104 |
| Net loans and leases to deposits | 73.1184% | 2,725 |
| Net loans and leases to core deposits | 94.8659% | 1,784 |
| Total domestic deposits to total assets | 79.3300% | 3,636 |
| Equity capital to assets | 20.1773% | 269 |
| Core capital (leverage) ratio | 21.8364% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $179,246,800 | 3,129 |
| Average earning assets | $166,229,200 | 3,119 |
| Average equity | $37,701,600 | 2,069 |
| Average total loans | $110,104,200 | 3,103 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1357% | 1,085 |
| Cost of funding earning assets | 2.5120% | 1,150 |
| Net interest margin | 3.6237% | 1,792 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 2.2860% | 2,848 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.9834% | 2,100 |
| Return on assets (ROA) | 0.9870% | 2,101 |
| Pretax return on assets | 1.2794% | 1,822 |
| Return on Equity (ROE) | 4.6400% | 3,605 |
| Retained earnings to average equity (ytd only) | 1.3789% | 3,618 |
| Net charge-offs to loans | -0.1471% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 63.1788% | 2,795 |
| Assets per employee ($millions) | 7.1728% | 2,022 |
| Cash dividends to net income (ytd only)* | 70.2910% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 2,548 |
| Loan loss allowance to noncurrent loans | 227.8369% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 1,909 |
| Noncurrent loans to loans | 0.4999% | 1,828 |
| Net loans and leases to total assets | 64.7900% | 2,441 |
| Net loans and leases to deposits | 84.0757% | 1,812 |
| Net loans and leases to core deposits | 109.5167% | 958 |
| Total domestic deposits to total assets | 77.0600% | 3,832 |
| Equity capital to assets | 22.3299% | 224 |
| Core capital (leverage) ratio | 22.2998% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $176,429,500 | 3,151 |
| Average earning assets | $163,475,500 | 3,148 |
| Average equity | $37,516,750 | 2,075 |
| Average total loans | $109,673,250 | 3,108 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 1,344 |
| Cost of funding earning assets | 2.4692% | 1,135 |
| Net interest margin | 3.4049% | 2,160 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 2.1737% | 3,148 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9223% | 2,242 |
| Return on assets (ROA) | 0.9232% | 2,239 |
| Pretax return on assets | 1.1897% | 1,963 |
| Return on Equity (ROE) | 4.4100% | 3,652 |
| Retained earnings to average equity (ytd only) | -0.5214% | 3,995 |
| Net charge-offs to loans | -0.0037% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.5646% | 2,826 |
| Assets per employee ($millions) | 7.3875% | 1,811 |
| Cash dividends to net income (ytd only)* | 111.8149% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,106 |
| Loan loss allowance to noncurrent loans | 26.2477% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 2.4410% | 110 |
| Noncurrent loans to loans | 3.9345% | 99 |
| Net loans and leases to total assets | 61.4000% | 2,826 |
| Net loans and leases to deposits | 78.2344% | 2,355 |
| Net loans and leases to core deposits | 102.1123% | 1,362 |
| Total domestic deposits to total assets | 78.4800% | 3,651 |
| Equity capital to assets | 21.0433% | 252 |
| Core capital (leverage) ratio | 21.4489% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $177,857,333 | 3,144 |
| Average earning assets | $164,995,667 | 3,140 |
| Average equity | $37,209,000 | 2,054 |
| Average total loans | $108,624,667 | 3,118 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6412% | 1,557 |
| Cost of funding earning assets | 2.4343% | 1,111 |
| Net interest margin | 3.2069% | 2,552 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 2.1826% | 3,113 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 0.7015% | 2,844 |
| Return on assets (ROA) | 0.7051% | 2,848 |
| Pretax return on assets | 0.8937% | 2,683 |
| Return on Equity (ROE) | 3.3800% | 3,784 |
| Retained earnings to average equity (ytd only) | -6.5019% | 4,194 |
| Net charge-offs to loans | -0.0037% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.2199% | 2,471 |
| Assets per employee ($millions) | 7.7255% | 1,618 |
| Cash dividends to net income (ytd only)* | 292.3567% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,177 |
| Loan loss allowance to noncurrent loans | 25.8057% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.3095% | 113 |
| Noncurrent loans to loans | 3.9701% | 96 |
| Net loans and leases to total assets | 57.5800% | 3,074 |
| Net loans and leases to deposits | 74.7223% | 2,535 |
| Net loans and leases to core deposits | 93.3204% | 1,824 |
| Total domestic deposits to total assets | 77.0500% | 3,900 |
| Equity capital to assets | 19.8699% | 289 |
| Core capital (leverage) ratio | 20.5661% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $178,135,500 | 3,153 |
| Average earning assets | $164,645,000 | 3,154 |
| Average equity | $37,158,500 | 2,047 |
| Average total loans | $107,937,000 | 3,133 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5980% | 1,035 |
| Cost of funding earning assets | 1.3826% | 2,270 |
| Net interest margin | 4.2153% | 912 |
| Noninterest income to average assets | 3.6600% | 162 |
| Noninterest expense to average assets | 2.8481% | 1,395 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 3.5544% | 121 |
| Return on assets (ROA) | 3.3566% | 131 |
| Pretax return on assets | 4.3794% | 103 |
| Return on Equity (ROE) | 15.9900% | 1,095 |
| Retained earnings to average equity (ytd only) | 13.2927% | 469 |
| Net charge-offs to loans | -0.0069% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 37.7143% | 4,404 |
| Assets per employee ($millions) | 7.1192% | 1,993 |
| Cash dividends to net income (ytd only)* | 16.8595% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,347 |
| Loan loss allowance to noncurrent loans | 174.6341% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 1,523 |
| Noncurrent loans to loans | 0.5694% | 1,375 |
| Net loans and leases to total assets | 62.5900% | 2,614 |
| Net loans and leases to deposits | 83.0528% | 1,854 |
| Net loans and leases to core deposits | 98.5504% | 1,518 |
| Total domestic deposits to total assets | 75.3600% | 3,995 |
| Equity capital to assets | 21.9337% | 241 |
| Core capital (leverage) ratio | 23.8195% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $162,215,600 | 3,260 |
| Average earning assets | $149,857,400 | 3,250 |
| Average equity | $34,056,400 | 2,094 |
| Average total loans | $100,921,000 | 3,163 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 927 |
| Cost of funding earning assets | 1.2226% | 2,361 |
| Net interest margin | 4.3548% | 747 |
| Noninterest income to average assets | 4.4700% | 140 |
| Noninterest expense to average assets | 2.8048% | 1,425 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 4.2503% | 103 |
| Return on assets (ROA) | 3.9877% | 113 |
| Pretax return on assets | 5.3047% | 90 |
| Return on Equity (ROE) | 19.2200% | 799 |
| Retained earnings to average equity (ytd only) | 15.5371% | 506 |
| Net charge-offs to loans | -0.0054% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 32.9323% | 4,490 |
| Assets per employee ($millions) | 6.6068% | 2,241 |
| Cash dividends to net income (ytd only)* | 19.1769% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,101 |
| Loan loss allowance to noncurrent loans | 1,427.3973% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 3,347 |
| Noncurrent loans to loans | 0.0738% | 3,234 |
| Net loans and leases to total assets | 61.7000% | 2,680 |
| Net loans and leases to deposits | 83.6199% | 1,770 |
| Net loans and leases to core deposits | 97.3532% | 1,484 |
| Total domestic deposits to total assets | 73.7900% | 4,173 |
| Equity capital to assets | 22.5426% | 226 |
| Core capital (leverage) ratio | 24.3115% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $160,054,500 | 3,292 |
| Average earning assets | $148,645,000 | 3,272 |
| Average equity | $33,201,500 | 2,116 |
| Average total loans | $99,147,000 | 3,189 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 972 |
| Cost of funding earning assets | 1.0291% | 2,506 |
| Net interest margin | 4.3551% | 748 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.3818% | 2,548 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.5357% | 1,043 |
| Return on assets (ROA) | 1.1411% | 1,994 |
| Pretax return on assets | 1.4450% | 1,712 |
| Return on Equity (ROE) | 5.6600% | 3,765 |
| Retained earnings to average equity (ytd only) | -0.0124% | 4,102 |
| Net charge-offs to loans | -0.0060% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.1183% | 3,597 |
| Assets per employee ($millions) | 6.4550% | 2,327 |
| Cash dividends to net income (ytd only)* | 100.2183% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 3,599 |
| Loan loss allowance to noncurrent loans | 835.5372% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 2,995 |
| Noncurrent loans to loans | 0.1141% | 2,909 |
| Net loans and leases to total assets | 67.7900% | 1,980 |
| Net loans and leases to deposits | 88.8976% | 1,272 |
| Net loans and leases to core deposits | 96.4451% | 1,439 |
| Total domestic deposits to total assets | 76.2600% | 4,022 |
| Equity capital to assets | 20.9307% | 256 |
| Core capital (leverage) ratio | 21.8619% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $160,552,000 | 3,291 |
| Average earning assets | $149,252,000 | 3,277 |
| Average equity | $32,354,000 | 2,172 |
| Average total loans | $99,236,333 | 3,180 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 1,045 |
| Cost of funding earning assets | 0.8197% | 2,658 |
| Net interest margin | 4.3137% | 784 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.2673% | 2,903 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.6473% | 915 |
| Return on assets (ROA) | 0.8717% | 2,904 |
| Pretax return on assets | 1.1165% | 2,666 |
| Return on Equity (ROE) | 4.4100% | 3,971 |
| Retained earnings to average equity (ytd only) | -6.9559% | 4,398 |
| Net charge-offs to loans | -0.0125% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.0756% | 3,848 |
| Assets per employee ($millions) | 6.5151% | 2,333 |
| Cash dividends to net income (ytd only)* | 257.8652% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 3,482 |
| Loan loss allowance to noncurrent loans | 435.5556% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 2,502 |
| Noncurrent loans to loans | 0.2314% | 2,344 |
| Net loans and leases to total assets | 61.5500% | 2,508 |
| Net loans and leases to deposits | 78.1370% | 1,961 |
| Net loans and leases to core deposits | 81.3324% | 2,158 |
| Total domestic deposits to total assets | 78.7700% | 3,915 |
| Equity capital to assets | 20.5139% | 220 |
| Core capital (leverage) ratio | 21.2903% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $163,367,500 | 3,310 |
| Average earning assets | $152,259,000 | 3,298 |
| Average equity | $32,318,000 | 2,203 |
| Average total loans | $95,838,500 | 3,257 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 1,941 |
| Cost of funding earning assets | 0.3569% | 2,424 |
| Net interest margin | 3.5621% | 1,754 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.4352% | 2,320 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0793% | 2,266 |
| Return on assets (ROA) | 1.0858% | 2,176 |
| Pretax return on assets | 1.3104% | 2,056 |
| Return on Equity (ROE) | 6.1000% | 3,807 |
| Retained earnings to average equity (ytd only) | 2.6917% | 3,807 |
| Net charge-offs to loans | 0.0499% | 1,170 |
| Credit loss provision to net charge-offs | 102.5641% | 1,537 |
| Earnings coverage of net charge-offs (x) | 51.5897% | 1,339 |
| Efficiency ratio | 64.6956% | 2,403 |
| Assets per employee ($millions) | 6.5528% | 2,294 |
| Cash dividends to net income (ytd only)* | 55.8394% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,376 |
| Loan loss allowance to noncurrent loans | 308.1433% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 1,587 |
| Noncurrent loans to loans | 0.3250% | 1,986 |
| Net loans and leases to total assets | 54.8900% | 3,124 |
| Net loans and leases to deposits | 71.0437% | 2,484 |
| Net loans and leases to core deposits | 73.9021% | 2,570 |
| Total domestic deposits to total assets | 77.2600% | 4,143 |
| Equity capital to assets | 19.1110% | 249 |
| Core capital (leverage) ratio | 21.8600% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $151,403,400 | 3,428 |
| Average earning assets | $136,436,400 | 3,456 |
| Average equity | $26,972,200 | 2,482 |
| Average total loans | $78,200,400 | 3,436 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7915% | 1,788 |
| Cost of funding earning assets | 0.3021% | 2,139 |
| Net interest margin | 3.4894% | 1,692 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.4037% | 2,310 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0834% | 2,164 |
| Return on assets (ROA) | 1.0900% | 2,106 |
| Pretax return on assets | 1.3537% | 1,873 |
| Return on Equity (ROE) | 6.2500% | 3,747 |
| Retained earnings to average equity (ytd only) | 1.4649% | 4,148 |
| Net charge-offs to loans | 0.0504% | 976 |
| Credit loss provision to net charge-offs | 35.7143% | 1,581 |
| Earnings coverage of net charge-offs (x) | 53.2143% | 1,249 |
| Efficiency ratio | 63.9574% | 2,560 |
| Assets per employee ($millions) | 5.6380% | 3,087 |
| Cash dividends to net income (ytd only)* | 76.5638% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 2,896 |
| Loan loss allowance to noncurrent loans | 349.2481% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 1,576 |
| Noncurrent loans to loans | 0.3227% | 2,078 |
| Net loans and leases to total assets | 55.6100% | 2,943 |
| Net loans and leases to deposits | 71.0681% | 2,282 |
| Net loans and leases to core deposits | 73.6961% | 2,371 |
| Total domestic deposits to total assets | 78.2400% | 4,241 |
| Equity capital to assets | 21.5768% | 186 |
| Core capital (leverage) ratio | 22.2369% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $146,661,000 | 3,498 |
| Average earning assets | $130,182,750 | 3,546 |
| Average equity | $25,575,250 | 2,591 |
| Average total loans | $74,136,000 | 3,517 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3722% | 2,512 |
| Cost of funding earning assets | 0.3118% | 1,606 |
| Net interest margin | 3.0605% | 2,681 |
| Noninterest income to average assets | 0.8672% | 910 |
| Noninterest expense to average assets | 2.4815% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8969% | 2,598 |
| Return on assets (ROA) | 0.9081% | 2,521 |
| Pretax return on assets | 1.1030% | 2,399 |
| Return on Equity (ROE) | 5.6543% | 3,669 |
| Retained earnings to average equity (ytd only) | -2.1395% | 4,394 |
| Net charge-offs to loans | 0.0056% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 399.5000% | 316 |
| Efficiency ratio | 69.4922% | 2,030 |
| Assets per employee ($millions) | 6.3758% | 2,409 |
| Cash dividends to net income (ytd only)* | 137.8378% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,551 |
| Loan loss allowance to noncurrent loans | 205.6645% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 1,177 |
| Noncurrent loans to loans | 0.5969% | 1,417 |
| Net loans and leases to total assets | 49.6366% | 3,410 |
| Net loans and leases to deposits | 62.9620% | 2,808 |
| Net loans and leases to core deposits | 65.2198% | 2,881 |
| Total domestic deposits to total assets | 78.8358% | 4,305 |
| Equity capital to assets | 21.0544% | 148 |
| Core capital (leverage) ratio | 22.7025% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,685,333 | 3,535 |
| Average earning assets | $129,588,667 | 3,604 |
| Average equity | $23,557,333 | 2,773 |
| Average total loans | $71,367,333 | 3,597 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2762% | 2,454 |
| Cost of funding earning assets | 0.3305% | 1,374 |
| Net interest margin | 2.9458% | 2,686 |
| Noninterest income to average assets | 0.5602% | 1,865 |
| Noninterest expense to average assets | 2.5390% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4943% | 3,729 |
| Return on assets (ROA) | 0.4989% | 3,686 |
| Pretax return on assets | 0.6104% | 3,605 |
| Return on Equity (ROE) | 3.7238% | 3,944 |
| Retained earnings to average equity (ytd only) | -15.3738% | 4,646 |
| Net charge-offs to loans | -0.0058% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7624% | 1,088 |
| Assets per employee ($millions) | 5.8482% | 2,948 |
| Cash dividends to net income (ytd only)* | 512.8492% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,973 |
| Loan loss allowance to noncurrent loans | 136.4553% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 883 |
| Noncurrent loans to loans | 1.0147% | 896 |
| Net loans and leases to total assets | 48.0546% | 3,382 |
| Net loans and leases to deposits | 55.9345% | 3,271 |
| Net loans and leases to core deposits | 58.3490% | 3,282 |
| Total domestic deposits to total assets | 85.9124% | 3,287 |
| Equity capital to assets | 13.2947% | 637 |
| Core capital (leverage) ratio | 13.2184% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,519,000 | 3,583 |
| Average earning assets | $125,876,000 | 3,660 |
| Average equity | $19,227,500 | 3,218 |
| Average total loans | $68,602,500 | 3,643 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 2,440 |
| Cost of funding earning assets | 0.4078% | 1,488 |
| Net interest margin | 3.1738% | 2,673 |
| Noninterest income to average assets | 2.0005% | 321 |
| Noninterest expense to average assets | 2.5565% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7604% | 556 |
| Return on assets (ROA) | 1.7913% | 541 |
| Pretax return on assets | 2.2585% | 372 |
| Return on Equity (ROE) | 12.6858% | 1,576 |
| Retained earnings to average equity (ytd only) | 9.2067% | 1,136 |
| Net charge-offs to loans | 0.0708% | 1,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 62.7660% | 1,146 |
| Efficiency ratio | 53.5287% | 3,982 |
| Assets per employee ($millions) | 6.1117% | 2,652 |
| Cash dividends to net income (ytd only)* | 27.4255% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,025 |
| Loan loss allowance to noncurrent loans | 129.0587% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 982 |
| Noncurrent loans to loans | 1.0653% | 914 |
| Net loans and leases to total assets | 46.2664% | 3,665 |
| Net loans and leases to deposits | 53.6589% | 3,623 |
| Net loans and leases to core deposits | 56.4268% | 3,590 |
| Total domestic deposits to total assets | 86.2232% | 2,829 |
| Equity capital to assets | 13.4953% | 767 |
| Core capital (leverage) ratio | 13.8230% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,918,000 | 3,648 |
| Average earning assets | $116,234,200 | 3,733 |
| Average equity | $18,769,000 | 3,321 |
| Average total loans | $66,426,600 | 3,718 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 2,474 |
| Cost of funding earning assets | 0.4320% | 1,471 |
| Net interest margin | 3.1984% | 2,732 |
| Noninterest income to average assets | 2.4982% | 244 |
| Noninterest expense to average assets | 2.4724% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0850% | 403 |
| Return on assets (ROA) | 2.1264% | 399 |
| Pretax return on assets | 2.8689% | 209 |
| Return on Equity (ROE) | 14.8725% | 1,170 |
| Retained earnings to average equity (ytd only) | 10.1695% | 1,271 |
| Net charge-offs to loans | -0.0081% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7484% | 4,459 |
| Assets per employee ($millions) | 5.6508% | 3,040 |
| Cash dividends to net income (ytd only)* | 31.6223% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 2,214 |
| Loan loss allowance to noncurrent loans | 123.8213% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 937 |
| Noncurrent loans to loans | 1.0918% | 1,033 |
| Net loans and leases to total assets | 53.6971% | 3,008 |
| Net loans and leases to deposits | 63.2935% | 2,925 |
| Net loans and leases to core deposits | 66.9009% | 2,870 |
| Total domestic deposits to total assets | 84.8383% | 3,170 |
| Equity capital to assets | 14.4737% | 640 |
| Core capital (leverage) ratio | 13.9311% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,477,250 | 3,719 |
| Average earning assets | $112,971,250 | 3,814 |
| Average equity | $18,512,500 | 3,385 |
| Average total loans | $65,830,750 | 3,783 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 2,675 |
| Cost of funding earning assets | 0.4542% | 1,494 |
| Net interest margin | 3.1292% | 2,956 |
| Noninterest income to average assets | 0.6513% | 2,001 |
| Noninterest expense to average assets | 2.5096% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6890% | 3,786 |
| Return on assets (ROA) | 0.7518% | 3,706 |
| Pretax return on assets | 0.9448% | 3,560 |
| Return on Equity (ROE) | 5.2810% | 4,079 |
| Retained earnings to average equity (ytd only) | -1.9184% | 4,665 |
| Net charge-offs to loans | -0.0127% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3375% | 1,222 |
| Assets per employee ($millions) | 5.2869% | 3,362 |
| Cash dividends to net income (ytd only)* | 136.3257% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 1,594 |
| Loan loss allowance to noncurrent loans | 105.7264% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9684% | 787 |
| Noncurrent loans to loans | 1.4176% | 822 |
| Net loans and leases to total assets | 49.5759% | 3,600 |
| Net loans and leases to deposits | 58.3480% | 3,515 |
| Net loans and leases to core deposits | 61.1438% | 3,529 |
| Total domestic deposits to total assets | 84.9659% | 3,109 |
| Equity capital to assets | 13.7063% | 780 |
| Core capital (leverage) ratio | 13.2097% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,430,333 | 3,757 |
| Average earning assets | $110,955,333 | 3,860 |
| Average equity | $18,140,333 | 3,413 |
| Average total loans | $63,167,333 | 3,846 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8211% | 2,041 |
| Cost of funding earning assets | 0.4897% | 1,455 |
| Net interest margin | 3.3314% | 2,296 |
| Noninterest income to average assets | 0.6429% | 2,056 |
| Noninterest expense to average assets | 2.6547% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6909% | 3,731 |
| Return on assets (ROA) | 0.7037% | 3,756 |
| Pretax return on assets | 0.8764% | 3,653 |
| Return on Equity (ROE) | 4.8478% | 4,120 |
| Retained earnings to average equity (ytd only) | -9.5414% | 4,808 |
| Net charge-offs to loans | -0.0455% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5232% | 1,179 |
| Assets per employee ($millions) | 5.3664% | 3,258 |
| Cash dividends to net income (ytd only)* | 296.8182% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 1,095 |
| Loan loss allowance to noncurrent loans | 95.8773% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 759 |
| Noncurrent loans to loans | 1.7523% | 678 |
| Net loans and leases to total assets | 45.4392% | 4,007 |
| Net loans and leases to deposits | 54.2900% | 3,919 |
| Net loans and leases to core deposits | 57.4685% | 3,874 |
| Total domestic deposits to total assets | 83.6972% | 3,520 |
| Equity capital to assets | 13.8337% | 707 |
| Core capital (leverage) ratio | 13.3678% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,059,000 | 3,803 |
| Average earning assets | $107,822,000 | 3,901 |
| Average equity | $18,152,500 | 3,409 |
| Average total loans | $61,489,500 | 3,889 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 1,833 |
| Cost of funding earning assets | 0.6852% | 1,804 |
| Net interest margin | 3.6288% | 2,047 |
| Noninterest income to average assets | 0.5423% | 2,456 |
| Noninterest expense to average assets | 2.8203% | 1,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7926% | 3,122 |
| Return on assets (ROA) | 0.8868% | 2,895 |
| Pretax return on assets | 1.0573% | 2,847 |
| Return on Equity (ROE) | 5.6293% | 3,698 |
| Retained earnings to average equity (ytd only) | 1.9568% | 3,845 |
| Net charge-offs to loans | -0.0640% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9003% | 1,345 |
| Assets per employee ($millions) | 4.8530% | 3,545 |
| Cash dividends to net income (ytd only)* | 65.2390% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 1,379 |
| Loan loss allowance to noncurrent loans | 87.4230% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.2149% | 708 |
| Noncurrent loans to loans | 1.7918% | 697 |
| Net loans and leases to total assets | 51.4836% | 3,703 |
| Net loans and leases to deposits | 62.2057% | 3,594 |
| Net loans and leases to core deposits | 65.1168% | 3,625 |
| Total domestic deposits to total assets | 82.7635% | 3,475 |
| Equity capital to assets | 15.2385% | 533 |
| Core capital (leverage) ratio | 14.3533% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,215,800 | 3,838 |
| Average earning assets | $100,558,000 | 3,886 |
| Average equity | $17,835,200 | 3,384 |
| Average total loans | $62,535,000 | 3,875 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 1,596 |
| Cost of funding earning assets | 0.7331% | 1,840 |
| Net interest margin | 3.7560% | 1,742 |
| Noninterest income to average assets | 0.4892% | 2,655 |
| Noninterest expense to average assets | 2.8731% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7633% | 3,237 |
| Return on assets (ROA) | 0.8838% | 2,886 |
| Pretax return on assets | 1.0948% | 2,767 |
| Return on Equity (ROE) | 5.5604% | 3,700 |
| Retained earnings to average equity (ytd only) | 0.6187% | 4,354 |
| Net charge-offs to loans | -0.0749% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2276% | 1,278 |
| Assets per employee ($millions) | 4.6626% | 3,643 |
| Cash dividends to net income (ytd only)* | 88.8738% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 1,300 |
| Loan loss allowance to noncurrent loans | 143.3962% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 1,315 |
| Noncurrent loans to loans | 1.0671% | 1,402 |
| Net loans and leases to total assets | 54.5447% | 3,751 |
| Net loans and leases to deposits | 66.4028% | 3,586 |
| Net loans and leases to core deposits | 70.0521% | 3,625 |
| Total domestic deposits to total assets | 82.1422% | 3,386 |
| Equity capital to assets | 15.6196% | 522 |
| Core capital (leverage) ratio | 14.7886% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,188,750 | 3,862 |
| Average earning assets | $98,577,750 | 3,909 |
| Average equity | $17,672,000 | 3,399 |
| Average total loans | $62,304,750 | 3,894 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6197% | 1,603 |
| Cost of funding earning assets | 0.7720% | 1,985 |
| Net interest margin | 3.8477% | 1,696 |
| Noninterest income to average assets | 0.7349% | 1,622 |
| Noninterest expense to average assets | 2.9873% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9284% | 2,591 |
| Return on assets (ROA) | 1.0805% | 2,155 |
| Pretax return on assets | 1.3547% | 1,849 |
| Return on Equity (ROE) | 6.7567% | 3,227 |
| Retained earnings to average equity (ytd only) | -0.7317% | 4,439 |
| Net charge-offs to loans | -0.1040% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9507% | 1,688 |
| Assets per employee ($millions) | 4.7143% | 3,514 |
| Cash dividends to net income (ytd only)* | 110.8291% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,156 |
| Loan loss allowance to noncurrent loans | 136.5651% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.9457% | 1,290 |
| Noncurrent loans to loans | 1.1268% | 1,398 |
| Net loans and leases to total assets | 55.7609% | 3,710 |
| Net loans and leases to deposits | 68.5043% | 3,524 |
| Net loans and leases to core deposits | 70.3036% | 3,681 |
| Total domestic deposits to total assets | 81.3977% | 3,524 |
| Equity capital to assets | 15.8686% | 481 |
| Core capital (leverage) ratio | 15.5836% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,396,667 | 3,874 |
| Average earning assets | $97,150,000 | 3,922 |
| Average equity | $17,493,667 | 3,416 |
| Average total loans | $61,550,333 | 3,910 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 1,292 |
| Cost of funding earning assets | 0.8595% | 2,061 |
| Net interest margin | 3.9985% | 1,398 |
| Noninterest income to average assets | 0.8631% | 1,139 |
| Noninterest expense to average assets | 3.1323% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0375% | 2,051 |
| Return on assets (ROA) | 1.3578% | 1,169 |
| Pretax return on assets | 1.7187% | 831 |
| Return on Equity (ROE) | 8.4571% | 2,331 |
| Retained earnings to average equity (ytd only) | -6.7194% | 4,631 |
| Net charge-offs to loans | -0.1659% | 4,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4603% | 2,286 |
| Assets per employee ($millions) | 4.3930% | 3,418 |
| Cash dividends to net income (ytd only)* | 179.4521% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 1,125 |
| Loan loss allowance to noncurrent loans | 131.7631% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 1,264 |
| Noncurrent loans to loans | 1.1974% | 1,362 |
| Net loans and leases to total assets | 57.9251% | 3,676 |
| Net loans and leases to deposits | 71.7469% | 3,452 |
| Net loans and leases to core deposits | 74.9669% | 3,571 |
| Total domestic deposits to total assets | 80.7353% | 3,718 |
| Equity capital to assets | 16.0579% | 575 |
| Core capital (leverage) ratio | 15.8163% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,524,000 | 3,875 |
| Average earning assets | $96,335,000 | 3,918 |
| Average equity | $17,263,500 | 3,445 |
| Average total loans | $60,288,000 | 3,949 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 2,072 |
| Cost of funding earning assets | 0.8188% | 2,587 |
| Net interest margin | 3.9716% | 1,935 |
| Noninterest income to average assets | 0.7717% | 1,541 |
| Noninterest expense to average assets | 3.1167% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0145% | 2,796 |
| Return on assets (ROA) | 1.0217% | 2,853 |
| Pretax return on assets | 1.1837% | 2,895 |
| Return on Equity (ROE) | 6.5065% | 3,738 |
| Retained earnings to average equity (ytd only) | 3.2205% | 3,408 |
| Net charge-offs to loans | -0.0231% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6162% | 1,780 |
| Assets per employee ($millions) | 3.7799% | 4,171 |
| Cash dividends to net income (ytd only)* | 50.5041% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 916 |
| Loan loss allowance to noncurrent loans | 112.8994% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 1,000 |
| Noncurrent loans to loans | 1.4438% | 1,015 |
| Net loans and leases to total assets | 52.5211% | 4,183 |
| Net loans and leases to deposits | 64.5043% | 4,045 |
| Net loans and leases to core deposits | 66.8680% | 4,140 |
| Total domestic deposits to total assets | 81.4226% | 3,673 |
| Equity capital to assets | 16.0532% | 592 |
| Core capital (leverage) ratio | 16.1058% | 505 |
| Tier 1 risk-based capital ratio | 22.4217% | 976 |
| Total risk-based capital ratio | 23.6709% | 952 |
| Memoranda: | ||
| Average total assets | $106,780,800 | 3,883 |
| Average earning assets | $94,646,800 | 3,956 |
| Average equity | $16,767,800 | 3,463 |
| Average total loans | $56,340,400 | 4,046 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 1,920 |
| Cost of funding earning assets | 0.7935% | 2,751 |
| Net interest margin | 4.0754% | 1,685 |
| Noninterest income to average assets | 0.8233% | 1,348 |
| Noninterest expense to average assets | 3.0721% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1525% | 2,352 |
| Return on assets (ROA) | 1.1589% | 2,423 |
| Pretax return on assets | 1.3613% | 2,454 |
| Return on Equity (ROE) | 7.4231% | 3,542 |
| Retained earnings to average equity (ytd only) | 2.9869% | 3,888 |
| Net charge-offs to loans | -0.0263% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4121% | 2,201 |
| Assets per employee ($millions) | 3.6027% | 4,389 |
| Cash dividends to net income (ytd only)* | 59.7617% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 1,053 |
| Loan loss allowance to noncurrent loans | 110.5814% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.3544% | 878 |
| Noncurrent loans to loans | 1.4221% | 1,069 |
| Net loans and leases to total assets | 56.9728% | 3,966 |
| Net loans and leases to deposits | 70.7230% | 3,712 |
| Net loans and leases to core deposits | 73.0248% | 3,888 |
| Total domestic deposits to total assets | 80.5576% | 3,857 |
| Equity capital to assets | 16.6963% | 524 |
| Core capital (leverage) ratio | 16.3997% | 511 |
| Tier 1 risk-based capital ratio | 15.7210% | 2,546 |
| Total risk-based capital ratio | 16.6028% | 2,622 |
| Memoranda: | ||
| Average total assets | $106,071,750 | 3,939 |
| Average earning assets | $93,763,000 | 4,017 |
| Average equity | $16,560,500 | 3,510 |
| Average total loans | $55,794,000 | 4,106 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 1,946 |
| Cost of funding earning assets | 0.7515% | 2,883 |
| Net interest margin | 4.0862% | 1,647 |
| Noninterest income to average assets | 0.6154% | 2,082 |
| Noninterest expense to average assets | 3.1237% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8989% | 3,290 |
| Return on assets (ROA) | 0.8912% | 3,384 |
| Pretax return on assets | 1.0731% | 3,314 |
| Return on Equity (ROE) | 5.8404% | 4,099 |
| Retained earnings to average equity (ytd only) | -0.9345% | 4,821 |
| Net charge-offs to loans | -0.0221% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2640% | 1,612 |
| Assets per employee ($millions) | 3.6867% | 4,263 |
| Cash dividends to net income (ytd only)* | 116.0000% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 979 |
| Loan loss allowance to noncurrent loans | 113.9759% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.2954% | 984 |
| Noncurrent loans to loans | 1.4248% | 1,084 |
| Net loans and leases to total assets | 53.6029% | 4,238 |
| Net loans and leases to deposits | 64.5779% | 4,192 |
| Net loans and leases to core deposits | 66.3414% | 4,301 |
| Total domestic deposits to total assets | 83.0050% | 3,202 |
| Equity capital to assets | 15.7912% | 654 |
| Core capital (leverage) ratio | 15.7755% | 576 |
| Tier 1 risk-based capital ratio | 24.2722% | 821 |
| Total risk-based capital ratio | 25.5234% | 805 |
| Memoranda: | ||
| Average total assets | $106,603,000 | 3,947 |
| Average earning assets | $93,681,330 | 4,042 |
| Average equity | $16,266,000 | 3,539 |
| Average total loans | $54,233,670 | 4,170 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 1,971 |
| Cost of funding earning assets | 0.7074% | 3,014 |
| Net interest margin | 4.0684% | 1,645 |
| Noninterest income to average assets | 0.5975% | 2,056 |
| Noninterest expense to average assets | 3.2880% | 1,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7489% | 3,772 |
| Return on assets (ROA) | 0.7328% | 3,881 |
| Pretax return on assets | 0.8568% | 3,901 |
| Return on Equity (ROE) | 4.8880% | 4,349 |
| Retained earnings to average equity (ytd only) | -8.9237% | 5,066 |
| Net charge-offs to loans | -0.0383% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9711% | 1,162 |
| Assets per employee ($millions) | 3.7921% | 4,205 |
| Cash dividends to net income (ytd only)* | 282.5641% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 711 |
| Loan loss allowance to noncurrent loans | 98.3351% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3364% | 959 |
| Noncurrent loans to loans | 1.8254% | 842 |
| Net loans and leases to total assets | 48.6909% | 4,545 |
| Net loans and leases to deposits | 57.8792% | 4,513 |
| Net loans and leases to core deposits | 59.6330% | 4,581 |
| Total domestic deposits to total assets | 84.1251% | 3,002 |
| Equity capital to assets | 15.1837% | 717 |
| Core capital (leverage) ratio | 15.2635% | 643 |
| Tier 1 risk-based capital ratio | 20.6895% | 1,215 |
| Total risk-based capital ratio | 21.8943% | 1,199 |
| Memoranda: | ||
| Average total assets | $106,447,500 | 3,994 |
| Average earning assets | $93,304,000 | 4,091 |
| Average equity | $15,957,500 | 3,586 |
| Average total loans | $52,223,000 | 4,258 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 2,012 |
| Cost of funding earning assets | 0.5466% | 3,072 |
| Net interest margin | 4.0954% | 1,693 |
| Noninterest income to average assets | 0.6356% | 2,123 |
| Noninterest expense to average assets | 3.2085% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8349% | 3,677 |
| Return on assets (ROA) | 0.8458% | 3,620 |
| Pretax return on assets | 1.0284% | 3,518 |
| Return on Equity (ROE) | 5.6535% | 4,274 |
| Retained earnings to average equity (ytd only) | 2.1336% | 4,301 |
| Net charge-offs to loans | 0.4787% | 378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4.3704% | 3,305 |
| Efficiency ratio | 75.9674% | 1,372 |
| Assets per employee ($millions) | 3.6788% | 4,353 |
| Cash dividends to net income (ytd only)* | 62.2599% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 664 |
| Loan loss allowance to noncurrent loans | 92.6108% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 747 |
| Noncurrent loans to loans | 1.9594% | 694 |
| Net loans and leases to total assets | 47.6744% | 4,661 |
| Net loans and leases to deposits | 56.0125% | 4,666 |
| Net loans and leases to core deposits | 57.6878% | 4,714 |
| Total domestic deposits to total assets | 85.1140% | 2,601 |
| Equity capital to assets | 14.7745% | 770 |
| Core capital (leverage) ratio | 15.9966% | 511 |
| Tier 1 risk-based capital ratio | 21.1096% | 1,143 |
| Total risk-based capital ratio | 22.3084% | 1,136 |
| Memoranda: | ||
| Average total assets | $104,629,800 | 4,021 |
| Average earning assets | $91,664,200 | 4,116 |
| Average equity | $15,654,000 | 3,552 |
| Average total loans | $50,759,400 | 4,304 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 2,004 |
| Cost of funding earning assets | 0.5060% | 3,160 |
| Net interest margin | 4.0845% | 1,673 |
| Noninterest income to average assets | 0.6659% | 1,995 |
| Noninterest expense to average assets | 3.1618% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8920% | 3,573 |
| Return on assets (ROA) | 0.9067% | 3,501 |
| Pretax return on assets | 1.1090% | 3,361 |
| Return on Equity (ROE) | 6.0407% | 4,254 |
| Retained earnings to average equity (ytd only) | 1.3395% | 4,767 |
| Net charge-offs to loans | 0.3802% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 5.9165% | 2,932 |
| Efficiency ratio | 74.3451% | 1,541 |
| Assets per employee ($millions) | 3.4313% | 4,648 |
| Cash dividends to net income (ytd only)* | 77.8247% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 579 |
| Loan loss allowance to noncurrent loans | 76.1730% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.0159% | 526 |
| Noncurrent loans to loans | 2.5088% | 521 |
| Net loans and leases to total assets | 53.5937% | 4,387 |
| Net loans and leases to deposits | 63.6791% | 4,350 |
| Net loans and leases to core deposits | 65.7486% | 4,417 |
| Total domestic deposits to total assets | 84.1621% | 2,886 |
| Equity capital to assets | 15.6299% | 595 |
| Core capital (leverage) ratio | 15.9813% | 520 |
| Tier 1 risk-based capital ratio | 21.0042% | 1,186 |
| Total risk-based capital ratio | 22.2549% | 1,163 |
| Memoranda: | ||
| Average total assets | $104,116,250 | 4,074 |
| Average earning assets | $91,433,500 | 4,155 |
| Average equity | $15,627,000 | 3,575 |
| Average total loans | $50,499,000 | 4,352 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 2,119 |
| Cost of funding earning assets | 0.4719% | 3,209 |
| Net interest margin | 4.0179% | 1,799 |
| Noninterest income to average assets | 0.6550% | 2,068 |
| Noninterest expense to average assets | 3.0212% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9510% | 3,227 |
| Return on assets (ROA) | 0.9730% | 3,135 |
| Pretax return on assets | 1.1737% | 3,034 |
| Return on Equity (ROE) | 6.5680% | 4,036 |
| Retained earnings to average equity (ytd only) | -0.4728% | 5,024 |
| Net charge-offs to loans | 0.5934% | 251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.1507% | 2,814 |
| Efficiency ratio | 72.4796% | 1,922 |
| Assets per employee ($millions) | 3.5311% | 4,550 |
| Cash dividends to net income (ytd only)* | 107.1984% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8614% | 675 |
| Loan loss allowance to noncurrent loans | 74.8196% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 2.0615% | 509 |
| Noncurrent loans to loans | 2.4878% | 521 |
| Net loans and leases to total assets | 53.3910% | 4,385 |
| Net loans and leases to deposits | 63.0146% | 4,350 |
| Net loans and leases to core deposits | 64.9883% | 4,432 |
| Total domestic deposits to total assets | 84.7280% | 2,783 |
| Equity capital to assets | 15.1255% | 667 |
| Core capital (leverage) ratio | 15.7053% | 540 |
| Tier 1 risk-based capital ratio | 20.1547% | 1,296 |
| Total risk-based capital ratio | 21.4053% | 1,271 |
| Memoranda: | ||
| Average total assets | $105,652,330 | 4,078 |
| Average earning assets | $92,387,000 | 4,172 |
| Average equity | $15,651,670 | 3,597 |
| Average total loans | $49,209,000 | 4,420 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 2,754 |
| Cost of funding earning assets | 0.4478% | 3,215 |
| Net interest margin | 3.7893% | 2,465 |
| Noninterest income to average assets | 0.6003% | 2,253 |
| Noninterest expense to average assets | 2.8785% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8424% | 3,537 |
| Return on assets (ROA) | 0.8800% | 3,387 |
| Pretax return on assets | 1.0478% | 3,363 |
| Return on Equity (ROE) | 6.0001% | 4,153 |
| Retained earnings to average equity (ytd only) | -8.0086% | 5,307 |
| Net charge-offs to loans | 1.4013% | 101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.6708% | 2,534 |
| Efficiency ratio | 74.1595% | 1,879 |
| Assets per employee ($millions) | 3.6181% | 4,518 |
| Cash dividends to net income (ytd only)* | 233.4746% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0993% | 450 |
| Loan loss allowance to noncurrent loans | 78.6154% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.8471% | 652 |
| Noncurrent loans to loans | 2.6703% | 483 |
| Net loans and leases to total assets | 45.4253% | 4,822 |
| Net loans and leases to deposits | 53.6233% | 4,818 |
| Net loans and leases to core deposits | 55.2532% | 4,862 |
| Total domestic deposits to total assets | 84.7118% | 3,029 |
| Equity capital to assets | 14.6363% | 746 |
| Core capital (leverage) ratio | 15.1048% | 639 |
| Tier 1 risk-based capital ratio | 21.1342% | 1,185 |
| Total risk-based capital ratio | 22.3848% | 1,156 |
| Memoranda: | ||
| Average total assets | $107,277,000 | 4,102 |
| Average earning assets | $92,892,500 | 4,210 |
| Average equity | $15,733,000 | 3,619 |
| Average total loans | $45,958,000 | 4,541 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 2,828 |
| Cost of funding earning assets | 0.4732% | 2,574 |
| Net interest margin | 3.6888% | 2,838 |
| Noninterest income to average assets | 0.9504% | 1,141 |
| Noninterest expense to average assets | 2.9498% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9168% | 2,617 |
| Return on assets (ROA) | 0.9514% | 2,474 |
| Pretax return on assets | 1.2430% | 2,583 |
| Return on Equity (ROE) | 6.3016% | 3,624 |
| Retained earnings to average equity (ytd only) | 3.0463% | 3,482 |
| Net charge-offs to loans | 0.0555% | 2,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 52.2083% | 1,057 |
| Efficiency ratio | 71.1157% | 2,377 |
| Assets per employee ($millions) | 3.7803% | 4,312 |
| Cash dividends to net income (ytd only)* | 51.6583% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7387% | 188 |
| Loan loss allowance to noncurrent loans | 95.6381% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 954 |
| Noncurrent loans to loans | 2.8636% | 401 |
| Net loans and leases to total assets | 38.3545% | 5,206 |
| Net loans and leases to deposits | 45.0140% | 5,215 |
| Net loans and leases to core deposits | 45.9541% | 5,237 |
| Total domestic deposits to total assets | 85.2057% | 2,756 |
| Equity capital to assets | 14.6940% | 737 |
| Core capital (leverage) ratio | 15.1898% | 593 |
| Tier 1 risk-based capital ratio | 22.1122% | 1,006 |
| Total risk-based capital ratio | 23.3673% | 983 |
| Memoranda: | ||
| Average total assets | $104,583,200 | 4,157 |
| Average earning assets | $90,651,800 | 4,275 |
| Average equity | $15,789,600 | 3,632 |
| Average total loans | $43,232,800 | 4,632 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 2,704 |
| Cost of funding earning assets | 0.4701% | 2,522 |
| Net interest margin | 3.7028% | 2,751 |
| Noninterest income to average assets | 1.0233% | 979 |
| Noninterest expense to average assets | 2.9499% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0015% | 2,545 |
| Return on assets (ROA) | 1.0324% | 2,441 |
| Pretax return on assets | 1.3459% | 2,306 |
| Return on Equity (ROE) | 6.7897% | 3,772 |
| Retained earnings to average equity (ytd only) | 2.4273% | 4,437 |
| Net charge-offs to loans | 0.0648% | 2,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 48.1893% | 1,140 |
| Efficiency ratio | 69.3147% | 2,648 |
| Assets per employee ($millions) | 3.5801% | 4,605 |
| Cash dividends to net income (ytd only)* | 64.2504% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4150% | 297 |
| Loan loss allowance to noncurrent loans | 95.3376% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 773 |
| Noncurrent loans to loans | 2.5331% | 593 |
| Net loans and leases to total assets | 47.8064% | 4,840 |
| Net loans and leases to deposits | 57.1492% | 4,811 |
| Net loans and leases to core deposits | 59.1795% | 4,858 |
| Total domestic deposits to total assets | 83.6519% | 3,244 |
| Equity capital to assets | 16.1167% | 520 |
| Core capital (leverage) ratio | 15.6422% | 550 |
| Tier 1 risk-based capital ratio | 21.6318% | 1,097 |
| Total risk-based capital ratio | 22.8877% | 1,078 |
| Memoranda: | ||
| Average total assets | $103,321,500 | 4,220 |
| Average earning assets | $90,200,000 | 4,330 |
| Average equity | $15,709,750 | 3,670 |
| Average total loans | $43,233,000 | 4,681 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 2,950 |
| Cost of funding earning assets | 0.4654% | 2,451 |
| Net interest margin | 3.6016% | 3,034 |
| Noninterest income to average assets | 1.0963% | 833 |
| Noninterest expense to average assets | 2.9728% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9899% | 2,474 |
| Return on assets (ROA) | 1.0005% | 2,463 |
| Pretax return on assets | 1.2669% | 2,509 |
| Return on Equity (ROE) | 6.7091% | 3,719 |
| Retained earnings to average equity (ytd only) | 0.1028% | 5,050 |
| Net charge-offs to loans | 0.1066% | 1,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 29.7273% | 1,471 |
| Efficiency ratio | 70.3401% | 2,615 |
| Assets per employee ($millions) | 3.5779% | 4,610 |
| Cash dividends to net income (ytd only)* | 98.4674% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6309% | 243 |
| Loan loss allowance to noncurrent loans | 94.3471% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 806 |
| Noncurrent loans to loans | 2.7886% | 503 |
| Net loans and leases to total assets | 42.2676% | 5,131 |
| Net loans and leases to deposits | 50.0668% | 5,135 |
| Net loans and leases to core deposits | 51.9369% | 5,148 |
| Total domestic deposits to total assets | 84.4224% | 3,043 |
| Equity capital to assets | 15.3579% | 643 |
| Core capital (leverage) ratio | 15.0589% | 618 |
| Tier 1 risk-based capital ratio | 22.4187% | 1,000 |
| Total risk-based capital ratio | 23.6734% | 984 |
| Memoranda: | ||
| Average total assets | $104,347,330 | 4,238 |
| Average earning assets | $90,682,000 | 4,339 |
| Average equity | $15,561,000 | 3,696 |
| Average total loans | $41,274,330 | 4,769 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9629% | 3,164 |
| Cost of funding earning assets | 0.4530% | 2,503 |
| Net interest margin | 3.5099% | 3,239 |
| Noninterest income to average assets | 0.7951% | 1,571 |
| Noninterest expense to average assets | 2.9587% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7329% | 3,545 |
| Return on assets (ROA) | 0.7836% | 3,347 |
| Pretax return on assets | 0.9480% | 3,595 |
| Return on Equity (ROE) | 5.3337% | 4,230 |
| Retained earnings to average equity (ytd only) | -8.0395% | 5,524 |
| Net charge-offs to loans | 0.2742% | 666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.5926% | 2,050 |
| Efficiency ratio | 76.9384% | 1,767 |
| Assets per employee ($millions) | 3.6354% | 4,596 |
| Cash dividends to net income (ytd only)* | 250.7317% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9474% | 187 |
| Loan loss allowance to noncurrent loans | 93.2016% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.9805% | 670 |
| Noncurrent loans to loans | 3.1624% | 410 |
| Net loans and leases to total assets | 36.8232% | 5,374 |
| Net loans and leases to deposits | 43.4260% | 5,377 |
| Net loans and leases to core deposits | 44.8680% | 5,392 |
| Total domestic deposits to total assets | 84.7953% | 3,174 |
| Equity capital to assets | 14.5265% | 746 |
| Core capital (leverage) ratio | 14.8142% | 644 |
| Tier 1 risk-based capital ratio | 22.8881% | 991 |
| Total risk-based capital ratio | 24.1466% | 968 |
| Memoranda: | ||
| Average total assets | $104,642,000 | 4,274 |
| Average earning assets | $90,943,000 | 4,370 |
| Average equity | $15,374,000 | 3,739 |
| Average total loans | $39,391,000 | 4,872 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 2,453 |
| Cost of funding earning assets | 0.4596% | 2,447 |
| Net interest margin | 3.7501% | 2,502 |
| Noninterest income to average assets | 0.9246% | 1,335 |
| Noninterest expense to average assets | 3.1789% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7780% | 3,411 |
| Return on assets (ROA) | 1.0456% | 2,263 |
| Pretax return on assets | 1.3512% | 2,098 |
| Return on Equity (ROE) | 6.8134% | 3,573 |
| Retained earnings to average equity (ytd only) | 1.7558% | 4,527 |
| Net charge-offs to loans | -0.4839% | 5,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0037% | 1,979 |
| Assets per employee ($millions) | 3.5812% | 4,640 |
| Cash dividends to net income (ytd only)* | 74.2297% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1123% | 153 |
| Loan loss allowance to noncurrent loans | 80.1461% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.1356% | 621 |
| Noncurrent loans to loans | 3.8833% | 278 |
| Net loans and leases to total assets | 36.1789% | 5,477 |
| Net loans and leases to deposits | 42.5932% | 5,475 |
| Net loans and leases to core deposits | 43.5292% | 5,502 |
| Total domestic deposits to total assets | 84.9407% | 3,077 |
| Equity capital to assets | 14.8600% | 665 |
| Core capital (leverage) ratio | 14.3009% | 733 |
| Tier 1 risk-based capital ratio | 24.1594% | 857 |
| Total risk-based capital ratio | 25.4172% | 825 |
| Memoranda: | ||
| Average total assets | $102,425,800 | 4,315 |
| Average earning assets | $88,983,200 | 4,409 |
| Average equity | $15,719,000 | 3,732 |
| Average total loans | $41,330,400 | 4,836 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 2,472 |
| Cost of funding earning assets | 0.4569% | 2,486 |
| Net interest margin | 3.7557% | 2,504 |
| Noninterest income to average assets | 0.8804% | 1,471 |
| Noninterest expense to average assets | 3.0201% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8640% | 3,083 |
| Return on assets (ROA) | 1.2175% | 1,680 |
| Pretax return on assets | 1.6002% | 1,377 |
| Return on Equity (ROE) | 7.8695% | 3,076 |
| Retained earnings to average equity (ytd only) | 1.1568% | 5,045 |
| Net charge-offs to loans | -0.6259% | 5,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6815% | 2,476 |
| Assets per employee ($millions) | 3.5787% | 4,673 |
| Cash dividends to net income (ytd only)* | 85.2998% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6655% | 276 |
| Loan loss allowance to noncurrent loans | 78.3854% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.5418% | 528 |
| Noncurrent loans to loans | 3.4006% | 390 |
| Net loans and leases to total assets | 43.8755% | 5,200 |
| Net loans and leases to deposits | 52.5313% | 5,182 |
| Net loans and leases to core deposits | 54.0795% | 5,223 |
| Total domestic deposits to total assets | 83.5226% | 3,391 |
| Equity capital to assets | 16.0622% | 547 |
| Core capital (leverage) ratio | 15.1897% | 599 |
| Tier 1 risk-based capital ratio | 23.1145% | 994 |
| Total risk-based capital ratio | 24.3715% | 976 |
| Memoranda: | ||
| Average total assets | $102,068,250 | 4,354 |
| Average earning assets | $89,000,250 | 4,449 |
| Average equity | $15,790,500 | 3,751 |
| Average total loans | $41,967,750 | 4,856 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 2,610 |
| Cost of funding earning assets | 0.4512% | 2,554 |
| Net interest margin | 3.7165% | 2,630 |
| Noninterest income to average assets | 0.8628% | 1,500 |
| Noninterest expense to average assets | 3.0149% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8243% | 3,197 |
| Return on assets (ROA) | 1.2991% | 1,382 |
| Pretax return on assets | 1.7217% | 1,042 |
| Return on Equity (ROE) | 8.5028% | 2,744 |
| Retained earnings to average equity (ytd only) | -1.6317% | 5,505 |
| Net charge-offs to loans | -0.9389% | 5,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4694% | 2,437 |
| Assets per employee ($millions) | 3.6139% | 4,578 |
| Cash dividends to net income (ytd only)* | 119.1904% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6332% | 305 |
| Loan loss allowance to noncurrent loans | 98.6020% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.4014% | 598 |
| Noncurrent loans to loans | 2.6705% | 618 |
| Net loans and leases to total assets | 43.8136% | 5,245 |
| Net loans and leases to deposits | 52.2196% | 5,239 |
| Net loans and leases to core deposits | 54.0638% | 5,274 |
| Total domestic deposits to total assets | 83.9026% | 3,307 |
| Equity capital to assets | 15.6774% | 592 |
| Core capital (leverage) ratio | 15.0498% | 601 |
| Tier 1 risk-based capital ratio | 23.7418% | 926 |
| Total risk-based capital ratio | 25.0012% | 904 |
| Memoranda: | ||
| Average total assets | $102,689,670 | 4,374 |
| Average earning assets | $89,547,000 | 4,473 |
| Average equity | $15,689,000 | 3,778 |
| Average total loans | $40,900,670 | 4,938 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 2,929 |
| Cost of funding earning assets | 0.4420% | 2,666 |
| Net interest margin | 3.6378% | 2,929 |
| Noninterest income to average assets | 1.0132% | 1,047 |
| Noninterest expense to average assets | 3.1245% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7985% | 3,257 |
| Return on assets (ROA) | 1.3728% | 1,153 |
| Pretax return on assets | 1.8368% | 792 |
| Return on Equity (ROE) | 9.1017% | 2,377 |
| Retained earnings to average equity (ytd only) | -11.2810% | 5,849 |
| Net charge-offs to loans | -1.9490% | 6,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4700% | 2,403 |
| Assets per employee ($millions) | 3.5815% | 4,685 |
| Cash dividends to net income (ytd only)* | 223.9437% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9120% | 242 |
| Loan loss allowance to noncurrent loans | 105.9397% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.8133% | 476 |
| Noncurrent loans to loans | 2.7487% | 636 |
| Net loans and leases to total assets | 38.3598% | 5,539 |
| Net loans and leases to deposits | 45.7103% | 5,520 |
| Net loans and leases to core deposits | 47.2807% | 5,542 |
| Total domestic deposits to total assets | 83.9194% | 3,551 |
| Equity capital to assets | 14.7924% | 743 |
| Core capital (leverage) ratio | 14.4036% | 718 |
| Tier 1 risk-based capital ratio | 24.0210% | 914 |
| Total risk-based capital ratio | 25.2784% | 900 |
| Memoranda: | ||
| Average total assets | $103,439,500 | 4,400 |
| Average earning assets | $90,495,000 | 4,488 |
| Average equity | $15,601,500 | 3,797 |
| Average total loans | $38,584,000 | 5,065 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 1,132 |
| Cost of funding earning assets | 0.4913% | 2,240 |
| Net interest margin | 4.1970% | 1,182 |
| Noninterest income to average assets | 1.7862% | 419 |
| Noninterest expense to average assets | 3.3718% | 1,540 |
| Loan and lease loss provision to assets | 0.0698% | 2,885 |
| Net operating income to assets | 1.5418% | 793 |
| Return on assets (ROA) | 1.6186% | 694 |
| Pretax return on assets | 2.0993% | 435 |
| Return on Equity (ROE) | 10.5555% | 1,780 |
| Retained earnings to average equity (ytd only) | 9.3589% | 569 |
| Net charge-offs to loans | 0.3270% | 914 |
| Credit loss provision to net charge-offs | 55.1181% | 3,331 |
| Earnings coverage of net charge-offs (x) | 16.3386% | 2,139 |
| Efficiency ratio | 61.7669% | 4,645 |
| Assets per employee ($millions) | 3.4338% | 4,928 |
| Cash dividends to net income (ytd only)* | 11.3370% | 4,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7871% | 285 |
| Loan loss allowance to noncurrent loans | 68.0405% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.1859% | 399 |
| Noncurrent loans to loans | 4.0962% | 291 |
| Net loans and leases to total assets | 34.0960% | 5,772 |
| Net loans and leases to deposits | 40.6448% | 5,754 |
| Net loans and leases to core deposits | 41.3194% | 5,785 |
| Total domestic deposits to total assets | 83.8878% | 3,527 |
| Equity capital to assets | 15.3754% | 618 |
| Core capital (leverage) ratio | 15.5640% | 527 |
| Tier 1 risk-based capital ratio | 24.5467% | 858 |
| Total risk-based capital ratio | 25.8014% | 840 |
| Memoranda: | ||
| Average total assets | $100,271,400 | 4,456 |
| Average earning assets | $87,324,800 | 4,550 |
| Average equity | $15,375,800 | 3,772 |
| Average total loans | $38,835,200 | 5,057 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 702 |
| Cost of funding earning assets | 0.5071% | 2,151 |
| Net interest margin | 4.4331% | 743 |
| Noninterest income to average assets | 1.9614% | 371 |
| Noninterest expense to average assets | 3.2708% | 1,779 |
| Loan and lease loss provision to assets | 0.0937% | 2,291 |
| Net operating income to assets | 1.7740% | 549 |
| Return on assets (ROA) | 1.8717% | 467 |
| Pretax return on assets | 2.5813% | 212 |
| Return on Equity (ROE) | 12.2146% | 1,313 |
| Retained earnings to average equity (ytd only) | 10.6070% | 534 |
| Net charge-offs to loans | 0.3341% | 783 |
| Credit loss provision to net charge-offs | 70.7071% | 2,752 |
| Earnings coverage of net charge-offs (x) | 19.1712% | 1,959 |
| Efficiency ratio | 56.0700% | 5,342 |
| Assets per employee ($millions) | 3.0199% | 5,529 |
| Cash dividends to net income (ytd only)* | 13.1618% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4708% | 449 |
| Loan loss allowance to noncurrent loans | 67.7356% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 3.5566% | 358 |
| Noncurrent loans to loans | 3.6477% | 409 |
| Net loans and leases to total assets | 42.2757% | 5,472 |
| Net loans and leases to deposits | 50.9122% | 5,427 |
| Net loans and leases to core deposits | 51.8228% | 5,511 |
| Total domestic deposits to total assets | 83.0365% | 3,809 |
| Equity capital to assets | 16.1615% | 538 |
| Core capital (leverage) ratio | 15.4244% | 567 |
| Tier 1 risk-based capital ratio | 24.1428% | 938 |
| Total risk-based capital ratio | 25.3971% | 920 |
| Memoranda: | ||
| Average total assets | $99,585,500 | 4,520 |
| Average earning assets | $86,499,500 | 4,624 |
| Average equity | $15,260,000 | 3,826 |
| Average total loans | $39,511,250 | 5,086 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 375 |
| Cost of funding earning assets | 0.5040% | 2,211 |
| Net interest margin | 4.7728% | 381 |
| Noninterest income to average assets | 2.4401% | 279 |
| Noninterest expense to average assets | 3.3370% | 1,609 |
| Loan and lease loss provision to assets | 0.1193% | 1,856 |
| Net operating income to assets | 2.2308% | 242 |
| Return on assets (ROA) | 2.3268% | 228 |
| Pretax return on assets | 3.2814% | 113 |
| Return on Equity (ROE) | 15.4551% | 670 |
| Retained earnings to average equity (ytd only) | 13.0245% | 304 |
| Net charge-offs to loans | 0.4546% | 564 |
| Credit loss provision to net charge-offs | 68.1818% | 2,479 |
| Earnings coverage of net charge-offs (x) | 18.6591% | 1,794 |
| Efficiency ratio | 50.3614% | 5,834 |
| Assets per employee ($millions) | 3.1624% | 5,393 |
| Cash dividends to net income (ytd only)* | 15.7265% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5353% | 469 |
| Loan loss allowance to noncurrent loans | 61.1799% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 3.4977% | 413 |
| Noncurrent loans to loans | 4.1441% | 353 |
| Net loans and leases to total assets | 40.6640% | 5,592 |
| Net loans and leases to deposits | 48.5922% | 5,572 |
| Net loans and leases to core deposits | 52.7008% | 5,504 |
| Total domestic deposits to total assets | 83.6844% | 3,699 |
| Equity capital to assets | 15.5526% | 597 |
| Core capital (leverage) ratio | 14.9625% | 622 |
| Tier 1 risk-based capital ratio | 24.7503% | 888 |
| Total risk-based capital ratio | 26.0064% | 878 |
| Memoranda: | ||
| Average total assets | $100,568,330 | 4,541 |
| Average earning assets | $87,705,330 | 4,640 |
| Average equity | $15,140,670 | 3,864 |
| Average total loans | $38,718,670 | 5,155 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4966% | 77 |
| Cost of funding earning assets | 0.4970% | 2,310 |
| Net interest margin | 5.9997% | 74 |
| Noninterest income to average assets | 3.9358% | 159 |
| Noninterest expense to average assets | 3.3270% | 1,652 |
| Loan and lease loss provision to assets | 0.1178% | 1,751 |
| Net operating income to assets | 3.9110% | 61 |
| Return on assets (ROA) | 4.1008% | 59 |
| Pretax return on assets | 5.9822% | 49 |
| Return on Equity (ROE) | 27.6785% | 76 |
| Retained earnings to average equity (ytd only) | 27.6785% | 32 |
| Net charge-offs to loans | 0.2658% | 901 |
| Credit loss provision to net charge-offs | 120.0000% | 1,441 |
| Earnings coverage of net charge-offs (x) | 59.3200% | 747 |
| Efficiency ratio | 36.2232% | 6,327 |
| Assets per employee ($millions) | 3.2270% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9499% | 314 |
| Loan loss allowance to noncurrent loans | 43.3320% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 3.7236% | 425 |
| Noncurrent loans to loans | 6.8076% | 134 |
| Net loans and leases to total assets | 35.1566% | 5,866 |
| Net loans and leases to deposits | 42.1228% | 5,826 |
| Net loans and leases to core deposits | 45.6167% | 5,771 |
| Total domestic deposits to total assets | 83.4623% | 4,018 |
| Equity capital to assets | 15.6431% | 600 |
| Core capital (leverage) ratio | 14.9322% | 621 |
| Tier 1 risk-based capital ratio | 26.6001% | 744 |
| Total risk-based capital ratio | 27.8568% | 728 |
| Memoranda: | ||
| Average total assets | $101,835,000 | 4,560 |
| Average earning assets | $88,538,000 | 4,666 |
| Average equity | $15,087,500 | 3,899 |
| Average total loans | $37,627,000 | 5,225 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 2,866 |
| Cost of funding earning assets | 0.5363% | 2,319 |
| Net interest margin | 3.6891% | 3,047 |
| Noninterest income to average assets | 1.4731% | 566 |
| Noninterest expense to average assets | 3.6974% | 1,158 |
| Loan and lease loss provision to assets | 0.5250% | 279 |
| Net operating income to assets | 0.3643% | 5,340 |
| Return on assets (ROA) | 0.4816% | 4,975 |
| Pretax return on assets | 0.5442% | 5,124 |
| Return on Equity (ROE) | 3.3998% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.3998% | 3,789 |
| Net charge-offs to loans | 1.1775% | 232 |
| Credit loss provision to net charge-offs | 107.4380% | 2,225 |
| Earnings coverage of net charge-offs (x) | 1.9153% | 4,307 |
| Efficiency ratio | 79.5380% | 2,002 |
| Assets per employee ($millions) | 3.3430% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7272% | 411 |
| Loan loss allowance to noncurrent loans | 32.0096% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 4.4388% | 353 |
| Noncurrent loans to loans | 8.5198% | 96 |
| Net loans and leases to total assets | 36.6209% | 5,922 |
| Net loans and leases to deposits | 42.7627% | 5,939 |
| Net loans and leases to core deposits | 45.9116% | 5,896 |
| Total domestic deposits to total assets | 85.6376% | 3,018 |
| Equity capital to assets | 14.0169% | 947 |
| Core capital (leverage) ratio | 14.2943% | 751 |
| Tier 1 risk-based capital ratio | 24.4060% | 904 |
| Total risk-based capital ratio | 25.6645% | 884 |
| Memoranda: | ||
| Average total assets | $99,041,400 | 4,625 |
| Average earning assets | $84,843,400 | 4,764 |
| Average equity | $14,030,400 | 4,019 |
| Average total loans | $41,104,000 | 5,144 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,454 |
| Cost of funding earning assets | 0.5434% | 2,346 |
| Net interest margin | 3.7974% | 2,629 |
| Noninterest income to average assets | 1.5717% | 513 |
| Noninterest expense to average assets | 3.8272% | 935 |
| Loan and lease loss provision to assets | 0.6674% | 192 |
| Net operating income to assets | 0.3337% | 5,480 |
| Return on assets (ROA) | 0.3827% | 5,391 |
| Pretax return on assets | 0.3814% | 5,617 |
| Return on Equity (ROE) | 2.6941% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.6941% | 4,669 |
| Net charge-offs to loans | 1.9827% | 105 |
| Credit loss provision to net charge-offs | 79.1599% | 2,612 |
| Earnings coverage of net charge-offs (x) | 1.1858% | 4,211 |
| Efficiency ratio | 79.0350% | 2,052 |
| Assets per employee ($millions) | 3.0561% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0335% | 1,200 |
| Loan loss allowance to noncurrent loans | 23.4298% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 6.0905% | 227 |
| Noncurrent loans to loans | 8.6792% | 102 |
| Net loans and leases to total assets | 45.7156% | 5,405 |
| Net loans and leases to deposits | 54.2141% | 5,371 |
| Net loans and leases to core deposits | 58.9252% | 5,273 |
| Total domestic deposits to total assets | 84.3241% | 3,633 |
| Equity capital to assets | 15.1523% | 707 |
| Core capital (leverage) ratio | 14.3805% | 752 |
| Tier 1 risk-based capital ratio | 23.1337% | 1,097 |
| Total risk-based capital ratio | 24.3871% | 1,081 |
| Memoranda: | ||
| Average total assets | $97,893,750 | 4,698 |
| Average earning assets | $83,914,000 | 4,835 |
| Average equity | $13,906,500 | 4,058 |
| Average total loans | $41,626,250 | 5,167 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 2,355 |
| Cost of funding earning assets | 0.5396% | 2,440 |
| Net interest margin | 3.8171% | 2,500 |
| Noninterest income to average assets | 1.3502% | 656 |
| Noninterest expense to average assets | 3.8364% | 928 |
| Loan and lease loss provision to assets | 0.9298% | 121 |
| Net operating income to assets | 0.0378% | 6,148 |
| Return on assets (ROA) | 0.0728% | 6,112 |
| Pretax return on assets | -0.0869% | 6,246 |
| Return on Equity (ROE) | 0.5234% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.5234% | 5,528 |
| Net charge-offs to loans | 2.8995% | 59 |
| Credit loss provision to net charge-offs | 77.8342% | 2,358 |
| Earnings coverage of net charge-offs (x) | 0.6599% | 4,002 |
| Efficiency ratio | 82.6923% | 1,670 |
| Assets per employee ($millions) | 3.0674% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0735% | 1,232 |
| Loan loss allowance to noncurrent loans | 26.1669% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 6.9629% | 189 |
| Noncurrent loans to loans | 7.9242% | 135 |
| Net loans and leases to total assets | 44.5504% | 5,492 |
| Net loans and leases to deposits | 52.5400% | 5,461 |
| Net loans and leases to core deposits | 57.0599% | 5,339 |
| Total domestic deposits to total assets | 84.7934% | 3,607 |
| Equity capital to assets | 14.7818% | 754 |
| Core capital (leverage) ratio | 13.9332% | 853 |
| Tier 1 risk-based capital ratio | 22.9995% | 1,109 |
| Total risk-based capital ratio | 24.2533% | 1,094 |
| Memoranda: | ||
| Average total assets | $98,945,670 | 4,708 |
| Average earning assets | $84,881,000 | 4,850 |
| Average equity | $13,757,000 | 4,091 |
| Average total loans | $40,765,330 | 5,238 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 4,375 |
| Cost of funding earning assets | 0.5380% | 2,524 |
| Net interest margin | 3.2884% | 4,593 |
| Noninterest income to average assets | 1.2332% | 724 |
| Noninterest expense to average assets | 3.5093% | 1,467 |
| Loan and lease loss provision to assets | 1.7051% | 49 |
| Net operating income to assets | -0.6368% | 6,510 |
| Return on assets (ROA) | -0.5988% | 6,502 |
| Pretax return on assets | -1.1103% | 6,571 |
| Return on Equity (ROE) | -4.4387% | 6,453 |
| Retained earnings to average equity (ytd only) | -4.4387% | 6,090 |
| Net charge-offs to loans | 3.7957% | 39 |
| Credit loss provision to net charge-offs | 114.6667% | 1,501 |
| Earnings coverage of net charge-offs (x) | 0.3600% | 3,362 |
| Efficiency ratio | 86.4706% | 1,397 |
| Assets per employee ($millions) | 3.2001% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7952% | 546 |
| Loan loss allowance to noncurrent loans | 30.9272% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 6.2348% | 265 |
| Noncurrent loans to loans | 9.0379% | 127 |
| Net loans and leases to total assets | 38.0002% | 5,944 |
| Net loans and leases to deposits | 44.1738% | 5,967 |
| Net loans and leases to core deposits | 47.7449% | 5,890 |
| Total domestic deposits to total assets | 86.0245% | 3,353 |
| Equity capital to assets | 13.7296% | 1,025 |
| Core capital (leverage) ratio | 13.5854% | 949 |
| Tier 1 risk-based capital ratio | 24.5511% | 935 |
| Total risk-based capital ratio | 25.8094% | 915 |
| Memoranda: | ||
| Average total assets | $100,873,500 | 4,715 |
| Average earning assets | $86,241,500 | 4,862 |
| Average equity | $13,607,500 | 4,128 |
| Average total loans | $39,518,000 | 5,343 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 3,381 |
| Cost of funding earning assets | 0.6631% | 2,090 |
| Net interest margin | 3.5270% | 3,779 |
| Noninterest income to average assets | 1.5160% | 613 |
| Noninterest expense to average assets | 3.6642% | 1,345 |
| Loan and lease loss provision to assets | 0.6050% | 412 |
| Net operating income to assets | 0.3005% | 5,524 |
| Return on assets (ROA) | 0.3146% | 5,571 |
| Pretax return on assets | 0.3253% | 5,661 |
| Return on Equity (ROE) | 2.3685% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.3685% | 4,557 |
| Net charge-offs to loans | 2.1055% | 166 |
| Credit loss provision to net charge-offs | 67.7874% | 3,364 |
| Earnings coverage of net charge-offs (x) | 1.0260% | 4,731 |
| Efficiency ratio | 79.7506% | 2,188 |
| Assets per employee ($millions) | 3.3079% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5537% | 776 |
| Loan loss allowance to noncurrent loans | 26.4132% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 6.6624% | 264 |
| Noncurrent loans to loans | 9.6684% | 118 |
| Net loans and leases to total assets | 38.2534% | 6,072 |
| Net loans and leases to deposits | 44.2473% | 6,109 |
| Net loans and leases to core deposits | 47.6785% | 6,053 |
| Total domestic deposits to total assets | 86.4538% | 3,019 |
| Equity capital to assets | 13.2576% | 1,156 |
| Core capital (leverage) ratio | 13.2809% | 1,030 |
| Tier 1 risk-based capital ratio | 23.4245% | 1,031 |
| Total risk-based capital ratio | 24.6811% | 1,006 |
| Memoranda: | ||
| Average total assets | $103,298,000 | 4,666 |
| Average earning assets | $89,736,800 | 4,783 |
| Average equity | $13,721,800 | 4,119 |
| Average total loans | $43,791,000 | 5,202 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,264 |
| Cost of funding earning assets | 0.6856% | 2,054 |
| Net interest margin | 3.5463% | 3,677 |
| Noninterest income to average assets | 1.5538% | 609 |
| Noninterest expense to average assets | 3.7363% | 1,190 |
| Loan and lease loss provision to assets | 0.5733% | 437 |
| Net operating income to assets | 0.3135% | 5,570 |
| Return on assets (ROA) | 0.3195% | 5,660 |
| Pretax return on assets | 0.3427% | 5,768 |
| Return on Equity (ROE) | 2.4042% | 5,822 |
| Retained earnings to average equity (ytd only) | 2.4042% | 4,890 |
| Net charge-offs to loans | 2.6621% | 108 |
| Credit loss provision to net charge-offs | 49.8879% | 3,506 |
| Earnings coverage of net charge-offs (x) | 0.7915% | 4,588 |
| Efficiency ratio | 80.1719% | 2,070 |
| Assets per employee ($millions) | 3.2454% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9388% | 1,892 |
| Loan loss allowance to noncurrent loans | 17.8550% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 7.8486% | 232 |
| Noncurrent loans to loans | 10.8584% | 106 |
| Net loans and leases to total assets | 42.8095% | 5,835 |
| Net loans and leases to deposits | 49.3605% | 5,876 |
| Net loans and leases to core deposits | 56.1195% | 5,617 |
| Total domestic deposits to total assets | 86.7284% | 2,836 |
| Equity capital to assets | 13.0020% | 1,331 |
| Core capital (leverage) ratio | 13.1405% | 1,148 |
| Tier 1 risk-based capital ratio | 20.9289% | 1,506 |
| Total risk-based capital ratio | 22.1935% | 1,480 |
| Memoranda: | ||
| Average total assets | $103,486,250 | 4,705 |
| Average earning assets | $90,232,000 | 4,802 |
| Average equity | $13,753,500 | 4,163 |
| Average total loans | $44,675,000 | 5,213 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,951 |
| Cost of funding earning assets | 0.6913% | 2,132 |
| Net interest margin | 3.6082% | 3,325 |
| Noninterest income to average assets | 1.5112% | 683 |
| Noninterest expense to average assets | 3.7963% | 1,098 |
| Loan and lease loss provision to assets | 0.8030% | 269 |
| Net operating income to assets | 0.1432% | 6,037 |
| Return on assets (ROA) | 0.1432% | 6,145 |
| Pretax return on assets | 0.0929% | 6,239 |
| Return on Equity (ROE) | 1.0696% | 6,194 |
| Retained earnings to average equity (ytd only) | 1.0696% | 5,470 |
| Net charge-offs to loans | 2.7984% | 115 |
| Credit loss provision to net charge-offs | 66.7203% | 2,896 |
| Earnings coverage of net charge-offs (x) | 0.7444% | 4,277 |
| Efficiency ratio | 80.6598% | 2,069 |
| Assets per employee ($millions) | 3.2450% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5497% | 934 |
| Loan loss allowance to noncurrent loans | 22.7652% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 7.8736% | 265 |
| Noncurrent loans to loans | 11.1998% | 108 |
| Net loans and leases to total assets | 41.1504% | 5,956 |
| Net loans and leases to deposits | 47.4541% | 6,018 |
| Net loans and leases to core deposits | 54.1420% | 5,743 |
| Total domestic deposits to total assets | 86.7162% | 2,989 |
| Equity capital to assets | 13.0026% | 1,344 |
| Core capital (leverage) ratio | 12.8217% | 1,243 |
| Tier 1 risk-based capital ratio | 21.0927% | 1,470 |
| Total risk-based capital ratio | 22.3636% | 1,437 |
| Memoranda: | ||
| Average total assets | $103,364,000 | 4,736 |
| Average earning assets | $91,126,670 | 4,811 |
| Average equity | $13,837,000 | 4,181 |
| Average total loans | $44,454,000 | 5,247 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,566 |
| Cost of funding earning assets | 0.7038% | 2,172 |
| Net interest margin | 3.1713% | 5,024 |
| Noninterest income to average assets | 1.7067% | 540 |
| Noninterest expense to average assets | 4.0417% | 844 |
| Loan and lease loss provision to assets | 0.4267% | 703 |
| Net operating income to assets | 0.1435% | 6,061 |
| Return on assets (ROA) | 0.1435% | 6,157 |
| Pretax return on assets | 0.0698% | 6,304 |
| Return on Equity (ROE) | 1.0568% | 6,209 |
| Retained earnings to average equity (ytd only) | 1.0568% | 5,429 |
| Net charge-offs to loans | 3.1548% | 106 |
| Credit loss provision to net charge-offs | 31.1615% | 2,876 |
| Earnings coverage of net charge-offs (x) | 0.3626% | 3,692 |
| Efficiency ratio | 88.8034% | 1,248 |
| Assets per employee ($millions) | 3.0012% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4556% | 1,169 |
| Loan loss allowance to noncurrent loans | 16.7311% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 9.0974% | 239 |
| Noncurrent loans to loans | 14.6770% | 83 |
| Net loans and leases to total assets | 43.3970% | 5,719 |
| Net loans and leases to deposits | 50.8886% | 5,720 |
| Net loans and leases to core deposits | 58.7126% | 5,268 |
| Total domestic deposits to total assets | 85.2785% | 3,912 |
| Equity capital to assets | 14.1722% | 969 |
| Core capital (leverage) ratio | 12.8745% | 1,163 |
| Tier 1 risk-based capital ratio | 21.6734% | 1,388 |
| Total risk-based capital ratio | 22.9456% | 1,358 |
| Memoranda: | ||
| Average total assets | $103,125,500 | 4,788 |
| Average earning assets | $92,076,000 | 4,840 |
| Average equity | $14,004,500 | 4,198 |
| Average total loans | $44,756,500 | 5,269 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 3,526 |
| Cost of funding earning assets | 0.8641% | 2,188 |
| Net interest margin | 3.6054% | 4,058 |
| Noninterest income to average assets | 1.4572% | 737 |
| Noninterest expense to average assets | 3.6990% | 1,415 |
| Loan and lease loss provision to assets | 0.6658% | 798 |
| Net operating income to assets | 0.2218% | 5,731 |
| Return on assets (ROA) | 0.5164% | 4,885 |
| Pretax return on assets | 0.6294% | 4,895 |
| Return on Equity (ROE) | 3.9769% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.9769% | 3,401 |
| Net charge-offs to loans | 2.2441% | 297 |
| Credit loss provision to net charge-offs | 56.2753% | 4,542 |
| Earnings coverage of net charge-offs (x) | 0.7911% | 5,079 |
| Efficiency ratio | 79.5577% | 2,200 |
| Assets per employee ($millions) | 3.4585% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9152% | 725 |
| Loan loss allowance to noncurrent loans | 16.5978% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 9.5558% | 236 |
| Noncurrent loans to loans | 17.5640% | 48 |
| Net loans and leases to total assets | 41.1577% | 6,083 |
| Net loans and leases to deposits | 47.6610% | 6,128 |
| Net loans and leases to core deposits | 55.8606% | 5,721 |
| Total domestic deposits to total assets | 86.3551% | 3,174 |
| Equity capital to assets | 13.0331% | 1,433 |
| Core capital (leverage) ratio | 12.8925% | 1,151 |
| Tier 1 risk-based capital ratio | 20.7595% | 1,513 |
| Total risk-based capital ratio | 22.0352% | 1,475 |
| Memoranda: | ||
| Average total assets | $104,380,000 | 4,724 |
| Average earning assets | $92,000,800 | 4,809 |
| Average equity | $13,553,200 | 4,244 |
| Average total loans | $55,032,800 | 4,901 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 2,689 |
| Cost of funding earning assets | 0.9113% | 2,098 |
| Net interest margin | 3.8141% | 3,275 |
| Noninterest income to average assets | 1.3581% | 807 |
| Noninterest expense to average assets | 3.5444% | 1,663 |
| Loan and lease loss provision to assets | 0.6495% | 815 |
| Net operating income to assets | 0.3515% | 5,427 |
| Return on assets (ROA) | 0.5864% | 4,726 |
| Pretax return on assets | 0.8424% | 4,329 |
| Return on Equity (ROE) | 4.5209% | 5,037 |
| Retained earnings to average equity (ytd only) | 4.5209% | 3,718 |
| Net charge-offs to loans | 2.3449% | 273 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 0.8901% | 4,885 |
| Efficiency ratio | 75.1573% | 2,798 |
| Assets per employee ($millions) | 3.2361% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6038% | 1,076 |
| Loan loss allowance to noncurrent loans | 16.0586% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 10.1775% | 235 |
| Noncurrent loans to loans | 16.2142% | 82 |
| Net loans and leases to total assets | 50.7102% | 5,223 |
| Net loans and leases to deposits | 59.3294% | 5,279 |
| Net loans and leases to core deposits | 73.5431% | 4,040 |
| Total domestic deposits to total assets | 85.4723% | 3,524 |
| Equity capital to assets | 13.7192% | 1,264 |
| Core capital (leverage) ratio | 12.5874% | 1,367 |
| Tier 1 risk-based capital ratio | 19.1495% | 1,963 |
| Total risk-based capital ratio | 20.4228% | 1,931 |
| Memoranda: | ||
| Average total assets | $103,672,000 | 4,783 |
| Average earning assets | $90,853,750 | 4,890 |
| Average equity | $13,448,250 | 4,308 |
| Average total loans | $57,428,250 | 4,868 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8953% | 2,130 |
| Cost of funding earning assets | 0.9330% | 2,162 |
| Net interest margin | 3.9624% | 2,670 |
| Noninterest income to average assets | 1.3589% | 777 |
| Noninterest expense to average assets | 3.4717% | 1,853 |
| Loan and lease loss provision to assets | 0.4008% | 1,638 |
| Net operating income to assets | 0.7138% | 3,791 |
| Return on assets (ROA) | 0.9638% | 2,851 |
| Pretax return on assets | 1.3017% | 2,551 |
| Return on Equity (ROE) | 7.5693% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.5693% | 1,832 |
| Net charge-offs to loans | 2.8533% | 217 |
| Credit loss provision to net charge-offs | 24.8815% | 4,530 |
| Earnings coverage of net charge-offs (x) | 0.8472% | 4,632 |
| Efficiency ratio | 71.5470% | 3,510 |
| Assets per employee ($millions) | 3.4276% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 2,090 |
| Loan loss allowance to noncurrent loans | 17.4313% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 8.7628% | 360 |
| Noncurrent loans to loans | 11.8115% | 178 |
| Net loans and leases to total assets | 55.1103% | 4,609 |
| Net loans and leases to deposits | 63.7144% | 4,805 |
| Net loans and leases to core deposits | 81.0727% | 3,076 |
| Total domestic deposits to total assets | 86.4958% | 3,074 |
| Equity capital to assets | 12.8313% | 1,601 |
| Core capital (leverage) ratio | 12.5505% | 1,329 |
| Tier 1 risk-based capital ratio | 17.6396% | 2,418 |
| Total risk-based capital ratio | 18.9071% | 2,383 |
| Memoranda: | ||
| Average total assets | $104,789,670 | 4,781 |
| Average earning assets | $91,965,000 | 4,873 |
| Average equity | $13,343,330 | 4,328 |
| Average total loans | $59,160,330 | 4,821 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 2,032 |
| Cost of funding earning assets | 0.9781% | 2,115 |
| Net interest margin | 3.9822% | 2,584 |
| Noninterest income to average assets | 1.3377% | 798 |
| Noninterest expense to average assets | 3.3674% | 2,098 |
| Loan and lease loss provision to assets | 0.1153% | 3,913 |
| Net operating income to assets | 1.0225% | 2,392 |
| Return on assets (ROA) | 1.0225% | 2,580 |
| Pretax return on assets | 1.3762% | 2,261 |
| Return on Equity (ROE) | 8.0618% | 3,256 |
| Retained earnings to average equity (ytd only) | 8.0618% | 1,962 |
| Net charge-offs to loans | -0.6865% | 7,180 |
| Credit loss provision to net charge-offs | -29.7030% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0665% | 3,971 |
| Assets per employee ($millions) | 3.3113% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4405% | 556 |
| Loan loss allowance to noncurrent loans | 21.4808% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 9.8315% | 311 |
| Noncurrent loans to loans | 16.0165% | 101 |
| Net loans and leases to total assets | 54.5728% | 4,625 |
| Net loans and leases to deposits | 63.2326% | 4,737 |
| Net loans and leases to core deposits | 82.0010% | 2,839 |
| Total domestic deposits to total assets | 86.3049% | 3,356 |
| Equity capital to assets | 13.0804% | 1,408 |
| Core capital (leverage) ratio | 12.2517% | 1,459 |
| Tier 1 risk-based capital ratio | 18.2919% | 2,207 |
| Total risk-based capital ratio | 19.5611% | 2,171 |
| Memoranda: | ||
| Average total assets | $104,056,500 | 4,831 |
| Average earning assets | $92,010,500 | 4,907 |
| Average equity | $13,198,000 | 4,372 |
| Average total loans | $58,846,000 | 4,862 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2248% | 1,965 |
| Cost of funding earning assets | 1.2881% | 1,537 |
| Net interest margin | 3.9367% | 3,171 |
| Noninterest income to average assets | 2.0380% | 363 |
| Noninterest expense to average assets | 3.9955% | 1,043 |
| Loan and lease loss provision to assets | 1.0767% | 848 |
| Net operating income to assets | 0.6516% | 3,734 |
| Return on assets (ROA) | 0.8392% | 3,036 |
| Pretax return on assets | 0.7126% | 4,281 |
| Return on Equity (ROE) | 7.3326% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.3326% | 1,350 |
| Net charge-offs to loans | 2.0828% | 648 |
| Credit loss provision to net charge-offs | 78.5040% | 4,524 |
| Earnings coverage of net charge-offs (x) | 1.1678% | 4,919 |
| Efficiency ratio | 71.1856% | 3,751 |
| Assets per employee ($millions) | 3.2957% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1252% | 729 |
| Loan loss allowance to noncurrent loans | 21.4837% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 9.4147% | 368 |
| Noncurrent loans to loans | 14.5466% | 138 |
| Net loans and leases to total assets | 54.8173% | 4,907 |
| Net loans and leases to deposits | 64.8546% | 4,896 |
| Net loans and leases to core deposits | 84.1783% | 2,870 |
| Total domestic deposits to total assets | 84.5235% | 4,078 |
| Equity capital to assets | 12.2972% | 1,914 |
| Core capital (leverage) ratio | 11.5402% | 1,858 |
| Tier 1 risk-based capital ratio | 17.2270% | 2,501 |
| Total risk-based capital ratio | 18.4932% | 2,461 |
| Memoranda: | ||
| Average total assets | $108,196,800 | 4,683 |
| Average earning assets | $97,822,200 | 4,691 |
| Average equity | $12,383,000 | 4,459 |
| Average total loans | $71,251,800 | 4,440 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5937% | 1,044 |
| Cost of funding earning assets | 1.3533% | 1,439 |
| Net interest margin | 4.2405% | 1,943 |
| Noninterest income to average assets | 1.9385% | 400 |
| Noninterest expense to average assets | 4.1402% | 853 |
| Loan and lease loss provision to assets | 1.2368% | 622 |
| Net operating income to assets | 0.5498% | 4,322 |
| Return on assets (ROA) | 0.7984% | 3,335 |
| Pretax return on assets | 0.6319% | 4,711 |
| Return on Equity (ROE) | 7.1042% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.1042% | 1,916 |
| Net charge-offs to loans | 0.9872% | 1,632 |
| Credit loss provision to net charge-offs | 183.9709% | 1,602 |
| Earnings coverage of net charge-offs (x) | 2.4098% | 3,916 |
| Efficiency ratio | 71.6837% | 3,620 |
| Assets per employee ($millions) | 3.4017% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5782% | 530 |
| Loan loss allowance to noncurrent loans | 29.3335% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 9.0386% | 441 |
| Noncurrent loans to loans | 12.1985% | 227 |
| Net loans and leases to total assets | 65.4761% | 3,008 |
| Net loans and leases to deposits | 79.0993% | 2,797 |
| Net loans and leases to core deposits | 104.7069% | 941 |
| Total domestic deposits to total assets | 82.7771% | 4,767 |
| Equity capital to assets | 11.6752% | 2,520 |
| Core capital (leverage) ratio | 11.3221% | 2,147 |
| Tier 1 risk-based capital ratio | 15.0703% | 3,624 |
| Total risk-based capital ratio | 16.3505% | 3,575 |
| Memoranda: | ||
| Average total assets | $108,880,250 | 4,700 |
| Average earning assets | $98,131,000 | 4,715 |
| Average equity | $12,236,500 | 4,504 |
| Average total loans | $74,145,500 | 4,381 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5182% | 1,263 |
| Cost of funding earning assets | 1.4306% | 1,276 |
| Net interest margin | 4.0875% | 2,454 |
| Noninterest income to average assets | 2.3639% | 291 |
| Noninterest expense to average assets | 4.6323% | 520 |
| Loan and lease loss provision to assets | 0.9000% | 998 |
| Net operating income to assets | 0.7218% | 3,431 |
| Return on assets (ROA) | 0.8780% | 2,840 |
| Pretax return on assets | 0.6980% | 4,392 |
| Return on Equity (ROE) | 7.9146% | 2,979 |
| Retained earnings to average equity (ytd only) | 7.9146% | 1,488 |
| Net charge-offs to loans | 1.3123% | 1,166 |
| Credit loss provision to net charge-offs | 100.6160% | 3,082 |
| Earnings coverage of net charge-offs (x) | 1.6119% | 4,082 |
| Efficiency ratio | 76.0810% | 2,997 |
| Assets per employee ($millions) | 3.2175% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9083% | 975 |
| Loan loss allowance to noncurrent loans | 33.2927% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 6.9752% | 734 |
| Noncurrent loans to loans | 8.7355% | 482 |
| Net loans and leases to total assets | 68.7651% | 2,465 |
| Net loans and leases to deposits | 80.8800% | 2,629 |
| Net loans and leases to core deposits | 101.0855% | 1,250 |
| Total domestic deposits to total assets | 85.0211% | 3,868 |
| Equity capital to assets | 11.8021% | 2,245 |
| Core capital (leverage) ratio | 11.5469% | 1,884 |
| Tier 1 risk-based capital ratio | 14.6580% | 3,693 |
| Total risk-based capital ratio | 15.9362% | 3,647 |
| Memoranda: | ||
| Average total assets | $108,888,670 | 4,735 |
| Average earning assets | $98,837,330 | 4,733 |
| Average equity | $12,079,000 | 4,540 |
| Average total loans | $74,221,000 | 4,427 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4258% | 1,488 |
| Cost of funding earning assets | 1.6023% | 807 |
| Net interest margin | 3.8234% | 3,494 |
| Noninterest income to average assets | 1.8468% | 412 |
| Noninterest expense to average assets | 3.2800% | 2,619 |
| Loan and lease loss provision to assets | 1.1973% | 588 |
| Net operating income to assets | 0.4572% | 4,680 |
| Return on assets (ROA) | 0.4572% | 4,767 |
| Pretax return on assets | 0.8672% | 3,635 |
| Return on Equity (ROE) | 4.2521% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.2521% | 3,618 |
| Net charge-offs to loans | 2.6474% | 416 |
| Credit loss provision to net charge-offs | 67.6230% | 3,392 |
| Earnings coverage of net charge-offs (x) | 1.1660% | 3,782 |
| Efficiency ratio | 61.1677% | 5,810 |
| Assets per employee ($millions) | 3.1993% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6916% | 1,213 |
| Loan loss allowance to noncurrent loans | 38.3277% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 5.8781% | 1,002 |
| Noncurrent loans to loans | 7.0225% | 786 |
| Net loans and leases to total assets | 67.3359% | 2,689 |
| Net loans and leases to deposits | 83.8544% | 2,053 |
| Net loans and leases to core deposits | 103.7405% | 1,079 |
| Total domestic deposits to total assets | 80.3010% | 5,870 |
| Equity capital to assets | 11.0152% | 2,671 |
| Core capital (leverage) ratio | 10.8045% | 2,352 |
| Tier 1 risk-based capital ratio | 14.2183% | 3,926 |
| Total risk-based capital ratio | 15.4950% | 3,876 |
| Memoranda: | ||
| Average total assets | $110,245,000 | 4,731 |
| Average earning assets | $100,852,000 | 4,717 |
| Average equity | $11,853,000 | 4,587 |
| Average total loans | $73,732,000 | 4,474 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4092% | 373 |
| Cost of funding earning assets | 1.8540% | 986 |
| Net interest margin | 4.5553% | 1,121 |
| Noninterest income to average assets | 2.2230% | 334 |
| Noninterest expense to average assets | 3.9634% | 1,214 |
| Loan and lease loss provision to assets | 1.4715% | 1,014 |
| Net operating income to assets | 0.3248% | 4,852 |
| Return on assets (ROA) | 0.3424% | 4,940 |
| Pretax return on assets | 0.9133% | 3,228 |
| Return on Equity (ROE) | 2.9349% | 4,983 |
| Retained earnings to average equity (ytd only) | 2.9349% | 3,803 |
| Net charge-offs to loans | 0.5705% | 3,341 |
| Credit loss provision to net charge-offs | 383.6317% | 650 |
| Earnings coverage of net charge-offs (x) | 6.1458% | 2,430 |
| Efficiency ratio | 62.5175% | 5,627 |
| Assets per employee ($millions) | 3.4910% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0253% | 850 |
| Loan loss allowance to noncurrent loans | 38.7097% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 5.9689% | 999 |
| Noncurrent loans to loans | 7.8153% | 671 |
| Net loans and leases to total assets | 62.6677% | 4,135 |
| Net loans and leases to deposits | 80.7493% | 3,032 |
| Net loans and leases to core deposits | 95.9303% | 2,022 |
| Total domestic deposits to total assets | 77.6078% | 6,379 |
| Equity capital to assets | 10.4947% | 3,161 |
| Core capital (leverage) ratio | 10.1946% | 2,870 |
| Tier 1 risk-based capital ratio | 14.4122% | 3,608 |
| Total risk-based capital ratio | 15.6924% | 3,544 |
| Memoranda: | ||
| Average total assets | $101,933,800 | 4,927 |
| Average earning assets | $91,696,000 | 4,955 |
| Average equity | $11,891,200 | 4,641 |
| Average total loans | $68,537,200 | 4,735 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4657% | 366 |
| Cost of funding earning assets | 1.6989% | 1,884 |
| Net interest margin | 4.7668% | 721 |
| Noninterest income to average assets | 1.2262% | 921 |
| Noninterest expense to average assets | 3.5755% | 1,843 |
| Loan and lease loss provision to assets | 1.4340% | 939 |
| Net operating income to assets | 0.7089% | 3,370 |
| Return on assets (ROA) | 0.7465% | 3,386 |
| Pretax return on assets | 0.4959% | 4,942 |
| Return on Equity (ROE) | 6.2235% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.2235% | 2,249 |
| Net charge-offs to loans | 0.4554% | 3,473 |
| Credit loss provision to net charge-offs | 463.2035% | 643 |
| Earnings coverage of net charge-offs (x) | 6.1126% | 2,597 |
| Efficiency ratio | 65.1716% | 5,024 |
| Assets per employee ($millions) | 3.6454% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3174% | 1,601 |
| Loan loss allowance to noncurrent loans | 30.5458% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 6.5138% | 872 |
| Noncurrent loans to loans | 7.5868% | 708 |
| Net loans and leases to total assets | 71.3912% | 2,385 |
| Net loans and leases to deposits | 100.0087% | 661 |
| Net loans and leases to core deposits | 120.6511% | 589 |
| Total domestic deposits to total assets | 71.3850% | 7,193 |
| Equity capital to assets | 10.8533% | 3,114 |
| Core capital (leverage) ratio | 11.5930% | 1,880 |
| Tier 1 risk-based capital ratio | 12.7650% | 4,762 |
| Total risk-based capital ratio | 12.9748% | 5,676 |
| Memoranda: | ||
| Average total assets | $99,489,000 | 5,070 |
| Average earning assets | $88,526,250 | 5,129 |
| Average equity | $11,933,000 | 4,697 |
| Average total loans | $67,623,500 | 4,843 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4047% | 407 |
| Cost of funding earning assets | 1.6780% | 2,243 |
| Net interest margin | 4.7267% | 777 |
| Noninterest income to average assets | 1.2739% | 795 |
| Noninterest expense to average assets | 3.2343% | 2,785 |
| Loan and lease loss provision to assets | 0.4843% | 2,882 |
| Net operating income to assets | 1.3885% | 1,114 |
| Return on assets (ROA) | 1.4339% | 1,096 |
| Pretax return on assets | 1.7877% | 909 |
| Return on Equity (ROE) | 11.5206% | 1,593 |
| Retained earnings to average equity (ytd only) | 11.5206% | 566 |
| Net charge-offs to loans | 0.0192% | 6,074 |
| Credit loss provision to net charge-offs | 3,833.3333% | 100 |
| Earnings coverage of net charge-offs (x) | 175.3333% | 200 |
| Efficiency ratio | 59.1190% | 6,197 |
| Assets per employee ($millions) | 3.0073% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 2,381 |
| Loan loss allowance to noncurrent loans | 80.0370% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 2.8244% | 2,558 |
| Noncurrent loans to loans | 2.3889% | 3,270 |
| Net loans and leases to total assets | 69.2493% | 3,075 |
| Net loans and leases to deposits | 86.0504% | 2,498 |
| Net loans and leases to core deposits | 98.4663% | 2,182 |
| Total domestic deposits to total assets | 80.4753% | 5,569 |
| Equity capital to assets | 12.6767% | 1,698 |
| Core capital (leverage) ratio | 12.5369% | 1,398 |
| Tier 1 risk-based capital ratio | 16.0276% | 2,661 |
| Total risk-based capital ratio | 17.2963% | 2,612 |
| Memoranda: | ||
| Average total assets | $94,983,000 | 5,219 |
| Average earning assets | $83,907,000 | 5,304 |
| Average equity | $11,822,330 | 4,728 |
| Average total loans | $62,634,330 | 5,075 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3032% | 526 |
| Cost of funding earning assets | 1.6693% | 2,543 |
| Net interest margin | 4.6338% | 899 |
| Noninterest income to average assets | 1.2887% | 730 |
| Noninterest expense to average assets | 3.2514% | 2,696 |
| Loan and lease loss provision to assets | 0.5511% | 2,297 |
| Net operating income to assets | 1.5346% | 840 |
| Return on assets (ROA) | 1.5346% | 906 |
| Pretax return on assets | 1.5812% | 1,310 |
| Return on Equity (ROE) | 12.4463% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.4463% | 687 |
| Net charge-offs to loans | -0.0067% | 6,841 |
| Credit loss provision to net charge-offs | -13,000.0000% | 6,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1575% | 6,141 |
| Assets per employee ($millions) | 2.9095% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 2,385 |
| Loan loss allowance to noncurrent loans | 66.4463% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 3.1256% | 2,288 |
| Noncurrent loans to loans | 2.8895% | 2,792 |
| Net loans and leases to total assets | 66.1719% | 3,812 |
| Net loans and leases to deposits | 81.8080% | 3,314 |
| Net loans and leases to core deposits | 99.9757% | 2,133 |
| Total domestic deposits to total assets | 80.8868% | 5,500 |
| Equity capital to assets | 12.7235% | 1,640 |
| Core capital (leverage) ratio | 12.8791% | 1,256 |
| Tier 1 risk-based capital ratio | 16.7796% | 2,354 |
| Total risk-based capital ratio | 18.0501% | 2,295 |
| Memoranda: | ||
| Average total assets | $94,358,500 | 5,303 |
| Average earning assets | $83,386,500 | 5,385 |
| Average equity | $11,634,000 | 4,808 |
| Average total loans | $59,982,000 | 5,246 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5126% | 654 |
| Cost of funding earning assets | 2.1195% | 2,370 |
| Net interest margin | 4.3930% | 1,453 |
| Noninterest income to average assets | 1.0056% | 1,552 |
| Noninterest expense to average assets | 3.6430% | 2,051 |
| Loan and lease loss provision to assets | 1.5851% | 1,447 |
| Net operating income to assets | -0.0083% | 5,499 |
| Return on assets (ROA) | -0.1159% | 5,707 |
| Pretax return on assets | -0.5659% | 6,065 |
| Return on Equity (ROE) | -0.8832% | 5,682 |
| Retained earnings to average equity (ytd only) | -2.4763% | 5,608 |
| Net charge-offs to loans | 1.6497% | 1,535 |
| Credit loss provision to net charge-offs | 147.4630% | 3,180 |
| Earnings coverage of net charge-offs (x) | 1.1047% | 5,005 |
| Efficiency ratio | 75.1353% | 3,680 |
| Assets per employee ($millions) | 3.0843% | 6,025 |
| Cash dividends to net income (ytd only)* | -180.3922% | 7,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 2,307 |
| Loan loss allowance to noncurrent loans | 60.9065% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 3.4085% | 1,982 |
| Noncurrent loans to loans | 3.0884% | 2,479 |
| Net loans and leases to total assets | 58.6473% | 5,544 |
| Net loans and leases to deposits | 71.6540% | 5,376 |
| Net loans and leases to core deposits | 96.0748% | 4,460 |
| Total domestic deposits to total assets | 81.8478% | 5,012 |
| Equity capital to assets | 11.9459% | 2,065 |
| Core capital (leverage) ratio | 12.4827% | 1,464 |
| Tier 1 risk-based capital ratio | 16.7245% | 2,227 |
| Total risk-based capital ratio | 17.9903% | 2,191 |
| Memoranda: | ||
| Average total assets | $88,004,800 | 5,449 |
| Average earning assets | $76,621,200 | 5,576 |
| Average equity | $11,549,400 | 4,862 |
| Average total loans | $57,344,000 | 5,367 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6512% | 558 |
| Cost of funding earning assets | 2.2165% | 2,329 |
| Net interest margin | 4.4347% | 1,355 |
| Noninterest income to average assets | 1.0329% | 1,487 |
| Noninterest expense to average assets | 3.6854% | 1,853 |
| Loan and lease loss provision to assets | 1.1846% | 1,638 |
| Net operating income to assets | 0.0701% | 5,557 |
| Return on assets (ROA) | -0.1440% | 5,993 |
| Pretax return on assets | -0.3267% | 6,125 |
| Return on Equity (ROE) | -1.0707% | 5,945 |
| Retained earnings to average equity (ytd only) | -3.1889% | 5,975 |
| Net charge-offs to loans | 1.1174% | 1,793 |
| Credit loss provision to net charge-offs | 159.0437% | 2,989 |
| Earnings coverage of net charge-offs (x) | 1.6008% | 4,602 |
| Efficiency ratio | 75.2698% | 3,643 |
| Assets per employee ($millions) | 2.9738% | 6,235 |
| Cash dividends to net income (ytd only)* | -197.8468% | 8,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 3,681 |
| Loan loss allowance to noncurrent loans | 92.8571% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 2.5164% | 2,755 |
| Noncurrent loans to loans | 1.5643% | 4,291 |
| Net loans and leases to total assets | 69.2018% | 3,674 |
| Net loans and leases to deposits | 89.9131% | 2,602 |
| Net loans and leases to core deposits | 128.9680% | 1,502 |
| Total domestic deposits to total assets | 76.9652% | 6,344 |
| Equity capital to assets | 12.9600% | 1,713 |
| Core capital (leverage) ratio | 12.7440% | 1,477 |
| Tier 1 risk-based capital ratio | 16.3924% | 2,475 |
| Total risk-based capital ratio | 16.6342% | 2,816 |
| Memoranda: | ||
| Average total assets | $86,102,500 | 5,551 |
| Average earning assets | $74,651,250 | 5,688 |
| Average equity | $11,581,250 | 4,901 |
| Average total loans | $57,392,500 | 5,408 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5548% | 724 |
| Cost of funding earning assets | 2.3192% | 2,279 |
| Net interest margin | 4.2355% | 1,862 |
| Noninterest income to average assets | 0.8299% | 2,275 |
| Noninterest expense to average assets | 3.6866% | 1,866 |
| Loan and lease loss provision to assets | 0.1411% | 5,663 |
| Net operating income to assets | 0.8417% | 2,692 |
| Return on assets (ROA) | 0.2163% | 5,283 |
| Pretax return on assets | 0.0094% | 5,848 |
| Return on Equity (ROE) | 1.5879% | 5,434 |
| Retained earnings to average equity (ytd only) | -1.5879% | 5,645 |
| Net charge-offs to loans | -0.6039% | 8,110 |
| Credit loss provision to net charge-offs | -35.7143% | 6,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2972% | 2,686 |
| Assets per employee ($millions) | 2.6834% | 6,869 |
| Cash dividends to net income (ytd only)* | 200.0000% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 3,397 |
| Loan loss allowance to noncurrent loans | 352.8926% | 899 |
| Noncurrent assets plus other real estate owned to assets | 2.0380% | 3,147 |
| Noncurrent loans to loans | 0.4148% | 6,472 |
| Net loans and leases to total assets | 66.9528% | 4,365 |
| Net loans and leases to deposits | 84.1163% | 3,857 |
| Net loans and leases to core deposits | 119.1795% | 2,438 |
| Total domestic deposits to total assets | 79.5954% | 5,593 |
| Equity capital to assets | 13.4253% | 1,519 |
| Core capital (leverage) ratio | 13.2479% | 1,348 |
| Tier 1 risk-based capital ratio | 17.5050% | 2,148 |
| Total risk-based capital ratio | 18.7699% | 2,101 |
| Memoranda: | ||
| Average total assets | $85,065,670 | 5,614 |
| Average earning assets | $72,954,670 | 5,790 |
| Average equity | $11,587,670 | 4,927 |
| Average total loans | $55,641,000 | 5,525 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5205% | 831 |
| Cost of funding earning assets | 2.4621% | 2,065 |
| Net interest margin | 4.0585% | 2,428 |
| Noninterest income to average assets | 0.5339% | 4,033 |
| Noninterest expense to average assets | 3.6284% | 1,801 |
| Loan and lease loss provision to assets | 0.1417% | 5,132 |
| Net operating income to assets | 0.8646% | 2,861 |
| Return on assets (ROA) | 0.8646% | 3,007 |
| Pretax return on assets | 0.1748% | 5,999 |
| Return on Equity (ROE) | 6.3008% | 3,903 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | -1.4589% | 8,171 |
| Credit loss provision to net charge-offs | -15.1515% | 6,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6168% | 1,602 |
| Assets per employee ($millions) | 2.5224% | 7,237 |
| Cash dividends to net income (ytd only)* | 100.0000% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 2,748 |
| Loan loss allowance to noncurrent loans | 233.9726% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 3.1844% | 1,747 |
| Noncurrent loans to loans | 0.6593% | 5,755 |
| Net loans and leases to total assets | 63.5585% | 5,061 |
| Net loans and leases to deposits | 79.9616% | 4,622 |
| Net loans and leases to core deposits | 113.4517% | 3,060 |
| Total domestic deposits to total assets | 79.4863% | 5,546 |
| Equity capital to assets | 13.6074% | 1,492 |
| Core capital (leverage) ratio | 13.6319% | 1,284 |
| Tier 1 risk-based capital ratio | 17.9202% | 2,077 |
| Total risk-based capital ratio | 19.1863% | 2,017 |
| Memoranda: | ||
| Average total assets | $84,664,500 | 5,654 |
| Average earning assets | $71,160,000 | 5,874 |
| Average equity | $11,617,500 | 4,948 |
| Average total loans | $54,289,000 | 5,616 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9315% | 1,306 |
| Cost of funding earning assets | 3.0290% | 1,758 |
| Net interest margin | 3.9026% | 3,552 |
| Noninterest income to average assets | 1.4577% | 666 |
| Noninterest expense to average assets | 3.8312% | 1,698 |
| Loan and lease loss provision to assets | 0.5395% | 2,668 |
| Net operating income to assets | 0.4960% | 4,754 |
| Return on assets (ROA) | 0.5032% | 4,565 |
| Pretax return on assets | 0.4609% | 5,093 |
| Return on Equity (ROE) | 3.6589% | 4,973 |
| Retained earnings to average equity (ytd only) | -0.2375% | 5,359 |
| Net charge-offs to loans | 1.6988% | 649 |
| Credit loss provision to net charge-offs | 47.3964% | 6,379 |
| Earnings coverage of net charge-offs (x) | 0.8725% | 5,705 |
| Efficiency ratio | 79.1123% | 2,736 |
| Assets per employee ($millions) | 2.4579% | 7,283 |
| Cash dividends to net income (ytd only)* | 106.4904% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 4,728 |
| Loan loss allowance to noncurrent loans | 124.4533% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 3.6438% | 1,204 |
| Noncurrent loans to loans | 0.9452% | 4,716 |
| Net loans and leases to total assets | 62.9303% | 5,466 |
| Net loans and leases to deposits | 82.4240% | 4,658 |
| Net loans and leases to core deposits | 117.7093% | 2,921 |
| Total domestic deposits to total assets | 76.3495% | 6,154 |
| Equity capital to assets | 13.8392% | 1,482 |
| Core capital (leverage) ratio | 14.0937% | 1,240 |
| Tier 1 risk-based capital ratio | 18.4253% | 1,932 |
| Total risk-based capital ratio | 19.4316% | 1,947 |
| Memoranda: | ||
| Average total assets | $82,662,800 | 5,607 |
| Average earning assets | $71,311,800 | 5,769 |
| Average equity | $11,369,600 | 5,013 |
| Average total loans | $55,391,600 | 5,480 |