Home > Bank of Eufaula > Performance and Condition Ratios
Bank of Eufaula, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 4,407 |
| Cost of funding earning assets | 0.4029% | 4,375 |
| Net interest margin | 3.3007% | 2,442 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 2.8863% | 1,284 |
| Loan and lease loss provision to assets | 1.6400% | 39 |
| Net operating income to assets | -1.2086% | 4,446 |
| Return on assets (ROA) | -1.2086% | 4,476 |
| Pretax return on assets | -1.3897% | 4,478 |
| Return on Equity (ROE) | -16.8000% | 4,474 |
| Retained earnings to average equity (ytd only) | -16.7990% | 4,473 |
| Net charge-offs to loans | 7.4715% | 30 |
| Credit loss provision to net charge-offs | 73.6544% | 1,898 |
| Earnings coverage of net charge-offs (x) | 0.1133% | 2,729 |
| Efficiency ratio | 91.9840% | 462 |
| Assets per employee ($millions) | 3.3741% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5938% | 204 |
| Loan loss allowance to noncurrent loans | 36.7409% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 2.3148% | 145 |
| Noncurrent loans to loans | 7.0597% | 37 |
| Net loans and leases to total assets | 27.8600% | 4,280 |
| Net loans and leases to deposits | 30.5144% | 4,313 |
| Net loans and leases to core deposits | 34.1056% | 4,291 |
| Total domestic deposits to total assets | 91.3100% | 292 |
| Equity capital to assets | 8.1472% | 3,618 |
| Core capital (leverage) ratio | 9.6867% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $106,015,750 | 3,740 |
| Average earning assets | $92,666,250 | 3,781 |
| Average equity | $7,627,250 | 4,020 |
| Average total loans | $31,496,750 | 4,089 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 4,396 |
| Cost of funding earning assets | 0.4109% | 4,376 |
| Net interest margin | 3.3148% | 2,371 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 2.6394% | 1,839 |
| Loan and lease loss provision to assets | 2.3000% | 27 |
| Net operating income to assets | -1.5046% | 4,471 |
| Return on assets (ROA) | -1.5046% | 4,503 |
| Pretax return on assets | -1.7694% | 4,508 |
| Return on Equity (ROE) | -21.7800% | 4,502 |
| Retained earnings to average equity (ytd only) | -21.7775% | 4,509 |
| Net charge-offs to loans | 10.5860% | 25 |
| Credit loss provision to net charge-offs | 72.3540% | 1,702 |
| Earnings coverage of net charge-offs (x) | 0.1671% | 2,533 |
| Efficiency ratio | 83.2367% | 900 |
| Assets per employee ($millions) | 4.4217% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3570% | 264 |
| Loan loss allowance to noncurrent loans | 43.5021% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.8958% | 200 |
| Noncurrent loans to loans | 5.4182% | 49 |
| Net loans and leases to total assets | 29.0400% | 4,278 |
| Net loans and leases to deposits | 31.4103% | 4,315 |
| Net loans and leases to core deposits | 36.0837% | 4,279 |
| Total domestic deposits to total assets | 92.4600% | 197 |
| Equity capital to assets | 6.9813% | 3,947 |
| Core capital (leverage) ratio | 9.4808% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $108,736,333 | 3,727 |
| Average earning assets | $95,390,333 | 3,763 |
| Average equity | $7,512,333 | 4,025 |
| Average total loans | $32,665,667 | 4,081 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 4,399 |
| Cost of funding earning assets | 0.4192% | 4,387 |
| Net interest margin | 3.3292% | 2,279 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 2.4836% | 2,293 |
| Loan and lease loss provision to assets | 2.5300% | 26 |
| Net operating income to assets | -1.4610% | 4,537 |
| Return on assets (ROA) | -1.4610% | 4,530 |
| Pretax return on assets | -1.7995% | 4,539 |
| Return on Equity (ROE) | -21.2500% | 4,528 |
| Retained earnings to average equity (ytd only) | -21.2477% | 4,443 |
| Net charge-offs to loans | 18.6458% | 2 |
| Credit loss provision to net charge-offs | 45.0285% | 1,418 |
| Earnings coverage of net charge-offs (x) | 0.1305% | 2,125 |
| Efficiency ratio | 77.1872% | 1,435 |
| Assets per employee ($millions) | 5.2663% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,201 |
| Loan loss allowance to noncurrent loans | 16.6752% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.1192% | 145 |
| Noncurrent loans to loans | 6.1118% | 32 |
| Net loans and leases to total assets | 29.8800% | 4,281 |
| Net loans and leases to deposits | 32.3292% | 4,315 |
| Net loans and leases to core deposits | 37.5537% | 4,310 |
| Total domestic deposits to total assets | 92.4100% | 266 |
| Equity capital to assets | 7.0116% | 3,892 |
| Core capital (leverage) ratio | 9.1701% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $112,254,500 | 3,712 |
| Average earning assets | $99,242,000 | 3,758 |
| Average equity | $7,718,500 | 4,019 |
| Average total loans | $33,873,500 | 4,085 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 4,114 |
| Cost of funding earning assets | 0.3303% | 4,354 |
| Net interest margin | 3.5319% | 2,115 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.7290% | 453 |
| Loan and lease loss provision to assets | 1.6500% | 40 |
| Net operating income to assets | -1.5297% | 4,555 |
| Return on assets (ROA) | -1.5297% | 4,549 |
| Pretax return on assets | -1.9738% | 4,557 |
| Return on Equity (ROE) | -20.0100% | 4,547 |
| Retained earnings to average equity (ytd only) | -20.0091% | 4,523 |
| Net charge-offs to loans | 2.8380% | 29 |
| Credit loss provision to net charge-offs | 186.5480% | 1,276 |
| Earnings coverage of net charge-offs (x) | -0.3680% | 4,524 |
| Efficiency ratio | 109.5532% | 111 |
| Assets per employee ($millions) | 5.9592% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3124% | 96 |
| Loan loss allowance to noncurrent loans | 29.6269% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 3.6423% | 46 |
| Noncurrent loans to loans | 11.1803% | 9 |
| Net loans and leases to total assets | 29.1700% | 4,315 |
| Net loans and leases to deposits | 31.4664% | 4,341 |
| Net loans and leases to core deposits | 36.6692% | 4,331 |
| Total domestic deposits to total assets | 92.7000% | 209 |
| Equity capital to assets | 6.7559% | 4,028 |
| Core capital (leverage) ratio | 9.1970% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $114,399,800 | 3,704 |
| Average earning assets | $100,824,600 | 3,738 |
| Average equity | $8,746,000 | 3,847 |
| Average total loans | $35,623,600 | 4,057 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 3,967 |
| Cost of funding earning assets | 0.3070% | 4,354 |
| Net interest margin | 3.6165% | 1,959 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.3556% | 2,639 |
| Loan and lease loss provision to assets | 0.8800% | 77 |
| Net operating income to assets | 0.1142% | 4,308 |
| Return on assets (ROA) | 0.1142% | 4,326 |
| Pretax return on assets | 0.2061% | 4,256 |
| Return on Equity (ROE) | 1.4500% | 4,266 |
| Retained earnings to average equity (ytd only) | 1.4500% | 3,856 |
| Net charge-offs to loans | 2.6973% | 31 |
| Credit loss provision to net charge-offs | 104.4506% | 1,589 |
| Earnings coverage of net charge-offs (x) | 1.2879% | 2,542 |
| Efficiency ratio | 68.3527% | 1,981 |
| Assets per employee ($millions) | 5.7430% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 3,608 |
| Loan loss allowance to noncurrent loans | 8.9139% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 3.6784% | 44 |
| Noncurrent loans to loans | 10.5042% | 9 |
| Net loans and leases to total assets | 32.0500% | 4,283 |
| Net loans and leases to deposits | 34.9032% | 4,315 |
| Net loans and leases to core deposits | 40.0400% | 4,257 |
| Total domestic deposits to total assets | 91.8400% | 486 |
| Equity capital to assets | 7.6067% | 3,289 |
| Core capital (leverage) ratio | 10.6459% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $113,203,750 | 3,727 |
| Average earning assets | $99,468,250 | 3,766 |
| Average equity | $8,919,500 | 3,834 |
| Average total loans | $35,540,500 | 4,080 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7837% | 4,045 |
| Cost of funding earning assets | 0.2779% | 4,345 |
| Net interest margin | 3.5057% | 2,252 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.3843% | 2,544 |
| Loan and lease loss provision to assets | 1.0800% | 61 |
| Net operating income to assets | -0.1864% | 4,532 |
| Return on assets (ROA) | -0.1864% | 4,516 |
| Pretax return on assets | -0.0923% | 4,486 |
| Return on Equity (ROE) | -2.3400% | 4,501 |
| Retained earnings to average equity (ytd only) | -2.3384% | 4,310 |
| Net charge-offs to loans | 3.6059% | 23 |
| Credit loss provision to net charge-offs | 96.3550% | 1,476 |
| Earnings coverage of net charge-offs (x) | 0.8811% | 2,393 |
| Efficiency ratio | 70.7214% | 1,696 |
| Assets per employee ($millions) | 5.5724% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 3,965 |
| Loan loss allowance to noncurrent loans | 8.7830% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 3.2849% | 55 |
| Noncurrent loans to loans | 9.3600% | 16 |
| Net loans and leases to total assets | 31.7200% | 4,291 |
| Net loans and leases to deposits | 34.6491% | 4,322 |
| Net loans and leases to core deposits | 39.4707% | 4,269 |
| Total domestic deposits to total assets | 91.5400% | 501 |
| Equity capital to assets | 7.8467% | 3,317 |
| Core capital (leverage) ratio | 11.2436% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $112,651,667 | 3,742 |
| Average earning assets | $98,581,333 | 3,791 |
| Average equity | $8,980,333 | 3,849 |
| Average total loans | $34,998,667 | 4,097 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 3,544 |
| Cost of funding earning assets | 0.2372% | 4,315 |
| Net interest margin | 3.7153% | 1,865 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.3770% | 2,593 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9006% | 2,850 |
| Return on assets (ROA) | 0.9006% | 2,810 |
| Pretax return on assets | 1.1514% | 2,559 |
| Return on Equity (ROE) | 11.2100% | 2,440 |
| Retained earnings to average equity (ytd only) | 11.2113% | 1,426 |
| Net charge-offs to loans | 0.1384% | 484 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 28.1667% | 1,331 |
| Efficiency ratio | 66.5678% | 2,146 |
| Assets per employee ($millions) | 5.5892% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 3,834 |
| Loan loss allowance to noncurrent loans | 21.5553% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.6022% | 188 |
| Noncurrent loans to loans | 4.2070% | 83 |
| Net loans and leases to total assets | 30.8900% | 4,351 |
| Net loans and leases to deposits | 34.0046% | 4,380 |
| Net loans and leases to core deposits | 38.8736% | 4,299 |
| Total domestic deposits to total assets | 90.8400% | 850 |
| Equity capital to assets | 8.5155% | 2,878 |
| Core capital (leverage) ratio | 11.2346% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $113,253,500 | 3,788 |
| Average earning assets | $99,481,000 | 3,828 |
| Average equity | $9,098,000 | 3,884 |
| Average total loans | $34,677,500 | 4,158 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 3,490 |
| Cost of funding earning assets | 0.1140% | 4,318 |
| Net interest margin | 3.2285% | 2,775 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 3.1142% | 819 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.1351% | 4,488 |
| Return on assets (ROA) | 0.1351% | 4,477 |
| Pretax return on assets | 0.1850% | 4,453 |
| Return on Equity (ROE) | 1.5000% | 4,434 |
| Retained earnings to average equity (ytd only) | 1.5029% | 4,101 |
| Net charge-offs to loans | 0.3073% | 250 |
| Credit loss provision to net charge-offs | 88.7755% | 1,641 |
| Earnings coverage of net charge-offs (x) | 3.0408% | 2,480 |
| Efficiency ratio | 92.2577% | 258 |
| Assets per employee ($millions) | 5.7362% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 3,711 |
| Loan loss allowance to noncurrent loans | 20.3740% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 187 |
| Noncurrent loans to loans | 4.4946% | 70 |
| Net loans and leases to total assets | 29.8000% | 4,395 |
| Net loans and leases to deposits | 32.4704% | 4,425 |
| Net loans and leases to core deposits | 36.4031% | 4,366 |
| Total domestic deposits to total assets | 91.7900% | 688 |
| Equity capital to assets | 7.5634% | 3,349 |
| Core capital (leverage) ratio | 11.0980% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $114,026,400 | 3,788 |
| Average earning assets | $101,749,400 | 3,821 |
| Average equity | $10,246,600 | 3,837 |
| Average total loans | $31,885,800 | 4,209 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2589% | 3,291 |
| Cost of funding earning assets | 0.1138% | 4,170 |
| Net interest margin | 3.1451% | 2,789 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.2286% | 2,849 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.7026% | 3,564 |
| Return on assets (ROA) | 0.7026% | 3,518 |
| Pretax return on assets | 0.8994% | 3,315 |
| Return on Equity (ROE) | 7.5200% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.5193% | 2,181 |
| Net charge-offs to loans | 0.3415% | 186 |
| Credit loss provision to net charge-offs | 106.2500% | 1,292 |
| Earnings coverage of net charge-offs (x) | 10.6625% | 1,972 |
| Efficiency ratio | 69.0493% | 1,882 |
| Assets per employee ($millions) | 5.5106% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,486 |
| Loan loss allowance to noncurrent loans | 53.2905% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8438% | 587 |
| Noncurrent loans to loans | 1.8757% | 328 |
| Net loans and leases to total assets | 29.8400% | 4,427 |
| Net loans and leases to deposits | 32.7256% | 4,445 |
| Net loans and leases to core deposits | 36.9253% | 4,372 |
| Total domestic deposits to total assets | 91.1700% | 1,168 |
| Equity capital to assets | 8.0881% | 2,845 |
| Core capital (leverage) ratio | 11.4096% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $113,852,250 | 3,812 |
| Average earning assets | $101,913,500 | 3,841 |
| Average equity | $10,639,000 | 3,846 |
| Average total loans | $31,230,250 | 4,245 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0489% | 3,434 |
| Cost of funding earning assets | 0.1105% | 4,073 |
| Net interest margin | 2.9385% | 3,063 |
| Noninterest income to average assets | 0.4085% | 2,703 |
| Noninterest expense to average assets | 2.1814% | 2,916 |
| Loan and lease loss provision to assets | 0.1112% | 901 |
| Net operating income to assets | 0.5788% | 3,683 |
| Return on assets (ROA) | 0.5788% | 3,629 |
| Pretax return on assets | 0.7509% | 3,447 |
| Return on Equity (ROE) | 5.9390% | 3,587 |
| Retained earnings to average equity (ytd only) | 5.9390% | 2,352 |
| Net charge-offs to loans | 0.4972% | 134 |
| Credit loss provision to net charge-offs | 84.2105% | 1,367 |
| Earnings coverage of net charge-offs (x) | 6.5263% | 1,893 |
| Efficiency ratio | 71.6733% | 1,756 |
| Assets per employee ($millions) | 5.6349% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,651 |
| Loan loss allowance to noncurrent loans | 50.1592% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 626 |
| Noncurrent loans to loans | 1.9704% | 329 |
| Net loans and leases to total assets | 28.0014% | 4,517 |
| Net loans and leases to deposits | 31.0185% | 4,526 |
| Net loans and leases to core deposits | 35.8374% | 4,443 |
| Total domestic deposits to total assets | 90.2731% | 1,598 |
| Equity capital to assets | 8.9301% | 2,425 |
| Core capital (leverage) ratio | 11.0315% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,066,000 | 3,844 |
| Average earning assets | $103,183,333 | 3,878 |
| Average equity | $11,214,000 | 3,863 |
| Average total loans | $30,569,000 | 4,301 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8692% | 3,611 |
| Cost of funding earning assets | 0.1106% | 3,999 |
| Net interest margin | 2.7586% | 3,257 |
| Noninterest income to average assets | 0.4026% | 2,675 |
| Noninterest expense to average assets | 2.2331% | 2,741 |
| Loan and lease loss provision to assets | 0.1686% | 465 |
| Net operating income to assets | 0.3613% | 4,039 |
| Return on assets (ROA) | 0.3613% | 4,002 |
| Pretax return on assets | 0.4886% | 3,885 |
| Return on Equity (ROE) | 3.5626% | 3,979 |
| Retained earnings to average equity (ytd only) | 3.5626% | 3,092 |
| Net charge-offs to loans | 0.9225% | 73 |
| Credit loss provision to net charge-offs | 71.0145% | 1,136 |
| Earnings coverage of net charge-offs (x) | 2.7681% | 1,692 |
| Efficiency ratio | 77.2619% | 1,376 |
| Assets per employee ($millions) | 5.7419% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,774 |
| Loan loss allowance to noncurrent loans | 60.9127% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 803 |
| Noncurrent loans to loans | 1.6218% | 495 |
| Net loans and leases to total assets | 26.7934% | 4,537 |
| Net loans and leases to deposits | 29.8748% | 4,555 |
| Net loans and leases to core deposits | 34.6096% | 4,468 |
| Total domestic deposits to total assets | 89.6855% | 1,722 |
| Equity capital to assets | 9.4638% | 2,315 |
| Core capital (leverage) ratio | 10.9123% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,250,000 | 3,850 |
| Average earning assets | $104,837,500 | 3,873 |
| Average equity | $11,789,000 | 3,882 |
| Average total loans | $29,917,500 | 4,329 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6699% | 4,342 |
| Cost of funding earning assets | 0.1191% | 4,233 |
| Net interest margin | 2.5508% | 4,120 |
| Noninterest income to average assets | 0.4555% | 2,787 |
| Noninterest expense to average assets | 2.7466% | 1,489 |
| Loan and lease loss provision to assets | -0.0144% | 4,190 |
| Net operating income to assets | 0.0054% | 4,677 |
| Return on assets (ROA) | 0.0054% | 4,687 |
| Pretax return on assets | 0.0135% | 4,681 |
| Return on Equity (ROE) | 0.0449% | 4,686 |
| Retained earnings to average equity (ytd only) | 0.0449% | 4,473 |
| Net charge-offs to loans | 0.1171% | 770 |
| Credit loss provision to net charge-offs | -48.4848% | 3,251 |
| Earnings coverage of net charge-offs (x) | -0.0303% | 2,649 |
| Efficiency ratio | 100.0327% | 145 |
| Assets per employee ($millions) | 5.8831% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,185 |
| Loan loss allowance to noncurrent loans | 55.7070% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 806 |
| Noncurrent loans to loans | 2.0411% | 385 |
| Net loans and leases to total assets | 24.1641% | 4,661 |
| Net loans and leases to deposits | 27.3648% | 4,667 |
| Net loans and leases to core deposits | 31.2330% | 4,617 |
| Total domestic deposits to total assets | 88.3038% | 1,872 |
| Equity capital to assets | 10.8021% | 1,937 |
| Core capital (leverage) ratio | 11.2458% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,302,400 | 3,880 |
| Average earning assets | $99,930,600 | 3,907 |
| Average equity | $13,357,400 | 3,798 |
| Average total loans | $28,180,000 | 4,415 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6530% | 4,453 |
| Cost of funding earning assets | 0.1274% | 4,282 |
| Net interest margin | 2.5256% | 4,231 |
| Noninterest income to average assets | 0.4606% | 2,794 |
| Noninterest expense to average assets | 2.3163% | 2,703 |
| Loan and lease loss provision to assets | -0.0109% | 4,321 |
| Net operating income to assets | 0.3318% | 4,474 |
| Return on assets (ROA) | 0.3318% | 4,501 |
| Pretax return on assets | 0.4193% | 4,471 |
| Return on Equity (ROE) | 2.6924% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.6924% | 4,004 |
| Net charge-offs to loans | 0.1046% | 719 |
| Credit loss provision to net charge-offs | -40.9091% | 3,122 |
| Earnings coverage of net charge-offs (x) | 15.2727% | 1,868 |
| Efficiency ratio | 85.0134% | 474 |
| Assets per employee ($millions) | 5.4717% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,892 |
| Loan loss allowance to noncurrent loans | 82.5359% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 1,136 |
| Noncurrent loans to loans | 1.4787% | 717 |
| Net loans and leases to total assets | 25.5161% | 4,718 |
| Net loans and leases to deposits | 29.4242% | 4,716 |
| Net loans and leases to core deposits | 34.1153% | 4,649 |
| Total domestic deposits to total assets | 86.7179% | 2,456 |
| Equity capital to assets | 12.2559% | 1,283 |
| Core capital (leverage) ratio | 11.6892% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,712,500 | 3,944 |
| Average earning assets | $98,351,750 | 3,972 |
| Average equity | $13,519,250 | 3,838 |
| Average total loans | $28,035,250 | 4,474 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6109% | 4,539 |
| Cost of funding earning assets | 0.1362% | 4,305 |
| Net interest margin | 2.4746% | 4,337 |
| Noninterest income to average assets | 0.4590% | 2,803 |
| Noninterest expense to average assets | 2.2986% | 2,778 |
| Loan and lease loss provision to assets | -0.0674% | 4,556 |
| Net operating income to assets | 0.3570% | 4,454 |
| Return on assets (ROA) | 0.3570% | 4,489 |
| Pretax return on assets | 0.4444% | 4,458 |
| Return on Equity (ROE) | 2.8919% | 4,493 |
| Retained earnings to average equity (ytd only) | 2.8919% | 3,869 |
| Net charge-offs to loans | 0.0215% | 1,517 |
| Credit loss provision to net charge-offs | -1,233.3333% | 3,721 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 904 |
| Efficiency ratio | 85.9088% | 479 |
| Assets per employee ($millions) | 5.5791% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,550 |
| Loan loss allowance to noncurrent loans | 123.9852% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 1,610 |
| Noncurrent loans to loans | 1.0299% | 1,191 |
| Net loans and leases to total assets | 23.2797% | 4,790 |
| Net loans and leases to deposits | 26.7954% | 4,796 |
| Net loans and leases to core deposits | 30.1126% | 4,774 |
| Total domestic deposits to total assets | 86.8796% | 2,393 |
| Equity capital to assets | 12.0512% | 1,336 |
| Core capital (leverage) ratio | 11.7350% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,805,667 | 3,965 |
| Average earning assets | $98,358,333 | 3,988 |
| Average equity | $13,555,000 | 3,838 |
| Average total loans | $27,957,667 | 4,507 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6262% | 4,548 |
| Cost of funding earning assets | 0.1475% | 4,323 |
| Net interest margin | 2.4787% | 4,332 |
| Noninterest income to average assets | 0.4480% | 2,836 |
| Noninterest expense to average assets | 2.3210% | 2,718 |
| Loan and lease loss provision to assets | -0.1028% | 4,722 |
| Net operating income to assets | 0.3746% | 4,407 |
| Return on assets (ROA) | 0.3746% | 4,436 |
| Pretax return on assets | 0.4517% | 4,416 |
| Return on Equity (ROE) | 2.9980% | 4,472 |
| Retained earnings to average equity (ytd only) | 2.9980% | 3,784 |
| Net charge-offs to loans | 0.0973% | 697 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | 13.5714% | 1,398 |
| Efficiency ratio | 86.9326% | 480 |
| Assets per employee ($millions) | 5.7584% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,760 |
| Loan loss allowance to noncurrent loans | 53.3646% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 1,486 |
| Noncurrent loans to loans | 2.3064% | 424 |
| Net loans and leases to total assets | 25.0117% | 4,797 |
| Net loans and leases to deposits | 28.9066% | 4,807 |
| Net loans and leases to core deposits | 32.6096% | 4,780 |
| Total domestic deposits to total assets | 86.5258% | 2,515 |
| Equity capital to assets | 12.3189% | 1,144 |
| Core capital (leverage) ratio | 12.1068% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,917,500 | 3,982 |
| Average earning assets | $97,632,500 | 4,005 |
| Average equity | $13,609,000 | 3,835 |
| Average total loans | $28,780,500 | 4,518 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4023% | 4,192 |
| Cost of funding earning assets | 0.2622% | 4,329 |
| Net interest margin | 3.1401% | 3,522 |
| Noninterest income to average assets | 0.4643% | 2,795 |
| Noninterest expense to average assets | 3.2075% | 1,044 |
| Loan and lease loss provision to assets | 0.1997% | 1,960 |
| Net operating income to assets | -0.1033% | 4,786 |
| Return on assets (ROA) | -0.1033% | 4,809 |
| Pretax return on assets | -0.1397% | 4,805 |
| Return on Equity (ROE) | -0.7467% | 4,807 |
| Retained earnings to average equity (ytd only) | -0.7467% | 4,615 |
| Net charge-offs to loans | 0.5181% | 301 |
| Credit loss provision to net charge-offs | 126.0870% | 2,585 |
| Earnings coverage of net charge-offs (x) | 0.3789% | 3,326 |
| Efficiency ratio | 98.1638% | 198 |
| Assets per employee ($millions) | 5.7066% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,621 |
| Loan loss allowance to noncurrent loans | 71.4829% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 2,107 |
| Noncurrent loans to loans | 1.7618% | 713 |
| Net loans and leases to total assets | 27.1881% | 4,805 |
| Net loans and leases to deposits | 31.5777% | 4,819 |
| Net loans and leases to core deposits | 35.0244% | 4,791 |
| Total domestic deposits to total assets | 86.0993% | 2,322 |
| Equity capital to assets | 12.6722% | 1,248 |
| Core capital (leverage) ratio | 12.6116% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,669,200 | 3,972 |
| Average earning assets | $90,761,400 | 4,017 |
| Average equity | $14,062,800 | 3,748 |
| Average total loans | $31,074,600 | 4,498 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6279% | 3,953 |
| Cost of funding earning assets | 0.2925% | 4,344 |
| Net interest margin | 3.3354% | 3,085 |
| Noninterest income to average assets | 0.4721% | 2,733 |
| Noninterest expense to average assets | 2.4871% | 2,887 |
| Loan and lease loss provision to assets | 0.1050% | 3,005 |
| Net operating income to assets | 0.6775% | 3,531 |
| Return on assets (ROA) | 0.6775% | 3,642 |
| Pretax return on assets | 0.8602% | 3,492 |
| Return on Equity (ROE) | 4.7889% | 3,944 |
| Retained earnings to average equity (ytd only) | 4.7889% | 2,659 |
| Net charge-offs to loans | 0.1445% | 1,012 |
| Credit loss provision to net charge-offs | 232.3529% | 1,989 |
| Earnings coverage of net charge-offs (x) | 21.2941% | 1,869 |
| Efficiency ratio | 72.0355% | 1,641 |
| Assets per employee ($millions) | 5.2395% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,304 |
| Loan loss allowance to noncurrent loans | 60.4466% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 1,850 |
| Noncurrent loans to loans | 2.0992% | 571 |
| Net loans and leases to total assets | 29.6220% | 4,833 |
| Net loans and leases to deposits | 35.3361% | 4,837 |
| Net loans and leases to core deposits | 39.7909% | 4,786 |
| Total domestic deposits to total assets | 83.8294% | 2,880 |
| Equity capital to assets | 14.6257% | 705 |
| Core capital (leverage) ratio | 13.2450% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,980,000 | 3,992 |
| Average earning assets | $89,342,750 | 4,034 |
| Average equity | $14,143,500 | 3,745 |
| Average total loans | $31,379,500 | 4,517 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6927% | 4,103 |
| Cost of funding earning assets | 0.3219% | 4,391 |
| Net interest margin | 3.3708% | 3,186 |
| Noninterest income to average assets | 0.4754% | 2,679 |
| Noninterest expense to average assets | 2.5349% | 2,868 |
| Loan and lease loss provision to assets | 0.0919% | 3,120 |
| Net operating income to assets | 0.6772% | 3,474 |
| Return on assets (ROA) | 0.6772% | 3,580 |
| Pretax return on assets | 0.8609% | 3,426 |
| Return on Equity (ROE) | 4.8412% | 3,877 |
| Retained earnings to average equity (ytd only) | 4.8412% | 2,551 |
| Net charge-offs to loans | 0.1066% | 1,225 |
| Credit loss provision to net charge-offs | 270.5882% | 1,691 |
| Earnings coverage of net charge-offs (x) | 28.0588% | 1,473 |
| Efficiency ratio | 72.6804% | 1,603 |
| Assets per employee ($millions) | 4.8827% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,800 |
| Loan loss allowance to noncurrent loans | 73.1855% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 2,384 |
| Noncurrent loans to loans | 1.5660% | 954 |
| Net loans and leases to total assets | 30.5366% | 4,848 |
| Net loans and leases to deposits | 36.2132% | 4,857 |
| Net loans and leases to core deposits | 40.6489% | 4,818 |
| Total domestic deposits to total assets | 84.3245% | 2,626 |
| Equity capital to assets | 14.1267% | 828 |
| Core capital (leverage) ratio | 13.1555% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,123,000 | 3,991 |
| Average earning assets | $89,474,333 | 4,032 |
| Average equity | $14,004,667 | 3,763 |
| Average total loans | $31,883,333 | 4,529 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 3,909 |
| Cost of funding earning assets | 0.3851% | 4,408 |
| Net interest margin | 3.5704% | 2,770 |
| Noninterest income to average assets | 0.4650% | 2,726 |
| Noninterest expense to average assets | 2.5719% | 3,073 |
| Loan and lease loss provision to assets | 0.0364% | 3,316 |
| Net operating income to assets | 0.8330% | 2,783 |
| Return on assets (ROA) | 0.8330% | 2,867 |
| Pretax return on assets | 1.0433% | 2,692 |
| Return on Equity (ROE) | 5.9864% | 3,320 |
| Retained earnings to average equity (ytd only) | 5.9864% | 1,876 |
| Net charge-offs to loans | 0.1751% | 760 |
| Credit loss provision to net charge-offs | 64.2857% | 1,998 |
| Earnings coverage of net charge-offs (x) | 19.0714% | 1,444 |
| Efficiency ratio | 70.4319% | 2,289 |
| Assets per employee ($millions) | 4.5068% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 3,521 |
| Loan loss allowance to noncurrent loans | 61.9586% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 1,806 |
| Noncurrent loans to loans | 1.6701% | 915 |
| Net loans and leases to total assets | 31.7351% | 4,872 |
| Net loans and leases to deposits | 37.7654% | 4,870 |
| Net loans and leases to core deposits | 42.8025% | 4,825 |
| Total domestic deposits to total assets | 84.0321% | 2,780 |
| Equity capital to assets | 14.3612% | 938 |
| Core capital (leverage) ratio | 13.4635% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,916,500 | 4,011 |
| Average earning assets | $88,282,000 | 4,048 |
| Average equity | $13,764,500 | 3,802 |
| Average total loans | $31,988,000 | 4,561 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 4,405 |
| Cost of funding earning assets | 0.3827% | 4,501 |
| Net interest margin | 3.5326% | 3,339 |
| Noninterest income to average assets | 0.4634% | 2,937 |
| Noninterest expense to average assets | 3.5143% | 948 |
| Loan and lease loss provision to assets | -0.0349% | 4,987 |
| Net operating income to assets | 0.0904% | 4,932 |
| Return on assets (ROA) | 0.0904% | 4,948 |
| Pretax return on assets | 0.1141% | 4,938 |
| Return on Equity (ROE) | 0.6702% | 4,949 |
| Retained earnings to average equity (ytd only) | 0.6702% | 4,499 |
| Net charge-offs to loans | 0.1319% | 1,451 |
| Credit loss provision to net charge-offs | -79.0698% | 4,199 |
| Earnings coverage of net charge-offs (x) | 1.7907% | 3,492 |
| Efficiency ratio | 97.7981% | 188 |
| Assets per employee ($millions) | 4.4856% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,287 |
| Loan loss allowance to noncurrent loans | 75.5656% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 1,931 |
| Noncurrent loans to loans | 1.3734% | 1,082 |
| Net loans and leases to total assets | 32.2727% | 4,932 |
| Net loans and leases to deposits | 38.0075% | 4,937 |
| Net loans and leases to core deposits | 41.9384% | 4,906 |
| Total domestic deposits to total assets | 84.9114% | 2,528 |
| Equity capital to assets | 13.4672% | 1,289 |
| Core capital (leverage) ratio | 13.6272% | 1,018 |
| Tier 1 risk-based capital ratio | 31.0107% | 443 |
| Total risk-based capital ratio | 31.8135% | 448 |
| Memoranda: | ||
| Average total assets | $97,315,400 | 4,044 |
| Average earning assets | $86,225,400 | 4,098 |
| Average equity | $13,131,200 | 3,876 |
| Average total loans | $32,589,600 | 4,591 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 4,452 |
| Cost of funding earning assets | 0.3853% | 4,547 |
| Net interest margin | 3.5689% | 3,336 |
| Noninterest income to average assets | 0.4936% | 2,771 |
| Noninterest expense to average assets | 2.6467% | 3,021 |
| Loan and lease loss provision to assets | 0.0275% | 3,351 |
| Net operating income to assets | 0.7727% | 3,765 |
| Return on assets (ROA) | 0.7727% | 3,833 |
| Pretax return on assets | 0.9776% | 3,657 |
| Return on Equity (ROE) | 5.7236% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.7236% | 2,494 |
| Net charge-offs to loans | 0.0408% | 2,275 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 73.1163% | 919 |
| Efficiency ratio | 72.4774% | 1,766 |
| Assets per employee ($millions) | 4.2981% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 1,912 |
| Loan loss allowance to noncurrent loans | 284.4595% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 2,134 |
| Noncurrent loans to loans | 0.4617% | 2,919 |
| Net loans and leases to total assets | 33.4535% | 4,998 |
| Net loans and leases to deposits | 39.9856% | 4,996 |
| Net loans and leases to core deposits | 44.6233% | 4,943 |
| Total domestic deposits to total assets | 83.6640% | 2,947 |
| Equity capital to assets | 14.5752% | 962 |
| Core capital (leverage) ratio | 14.0639% | 969 |
| Tier 1 risk-based capital ratio | 33.0753% | 395 |
| Total risk-based capital ratio | 34.1164% | 397 |
| Memoranda: | ||
| Average total assets | $96,973,250 | 4,090 |
| Average earning assets | $85,812,750 | 4,152 |
| Average equity | $13,091,500 | 3,918 |
| Average total loans | $32,691,500 | 4,651 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 4,507 |
| Cost of funding earning assets | 0.3766% | 4,595 |
| Net interest margin | 3.5577% | 3,412 |
| Noninterest income to average assets | 0.4930% | 2,713 |
| Noninterest expense to average assets | 2.6345% | 3,104 |
| Loan and lease loss provision to assets | 0.0368% | 3,078 |
| Net operating income to assets | 0.7691% | 3,757 |
| Return on assets (ROA) | 0.7691% | 3,824 |
| Pretax return on assets | 0.9716% | 3,640 |
| Return on Equity (ROE) | 5.8470% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.8470% | 2,353 |
| Net charge-offs to loans | 0.0243% | 2,364 |
| Credit loss provision to net charge-offs | 450.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 123.2500% | 596 |
| Efficiency ratio | 72.3189% | 1,873 |
| Assets per employee ($millions) | 4.2001% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,077 |
| Loan loss allowance to noncurrent loans | 187.2247% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 1,984 |
| Noncurrent loans to loans | 0.6868% | 2,256 |
| Net loans and leases to total assets | 33.7743% | 5,033 |
| Net loans and leases to deposits | 40.0710% | 5,052 |
| Net loans and leases to core deposits | 45.0121% | 4,982 |
| Total domestic deposits to total assets | 84.2862% | 2,761 |
| Equity capital to assets | 13.9333% | 1,140 |
| Core capital (leverage) ratio | 13.5100% | 1,111 |
| Tier 1 risk-based capital ratio | 31.7869% | 426 |
| Total risk-based capital ratio | 32.8111% | 423 |
| Memoranda: | ||
| Average total assets | $97,778,330 | 4,104 |
| Average earning assets | $86,572,670 | 4,163 |
| Average equity | $12,861,330 | 3,951 |
| Average total loans | $32,904,000 | 4,680 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 4,539 |
| Cost of funding earning assets | 0.3506% | 4,680 |
| Net interest margin | 3.5568% | 3,413 |
| Noninterest income to average assets | 0.4839% | 2,655 |
| Noninterest expense to average assets | 2.5619% | 3,330 |
| Loan and lease loss provision to assets | -0.0447% | 5,253 |
| Net operating income to assets | 0.8906% | 3,269 |
| Return on assets (ROA) | 0.8906% | 3,323 |
| Pretax return on assets | 1.1020% | 3,143 |
| Return on Equity (ROE) | 6.9734% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.9734% | 2,056 |
| Net charge-offs to loans | -0.0487% | 4,822 |
| Credit loss provision to net charge-offs | 275.0000% | 869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7865% | 2,227 |
| Assets per employee ($millions) | 4.2088% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,490 |
| Loan loss allowance to noncurrent loans | 208.2474% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 1,893 |
| Noncurrent loans to loans | 0.5842% | 2,586 |
| Net loans and leases to total assets | 33.8853% | 5,074 |
| Net loans and leases to deposits | 39.8978% | 5,077 |
| Net loans and leases to core deposits | 44.5589% | 5,027 |
| Total domestic deposits to total assets | 84.9302% | 2,705 |
| Equity capital to assets | 13.2341% | 1,330 |
| Core capital (leverage) ratio | 13.2974% | 1,148 |
| Tier 1 risk-based capital ratio | 31.0287% | 440 |
| Total risk-based capital ratio | 31.9906% | 440 |
| Memoranda: | ||
| Average total assets | $98,366,000 | 4,131 |
| Average earning assets | $86,708,000 | 4,208 |
| Average equity | $12,562,000 | 3,997 |
| Average total loans | $32,830,000 | 4,731 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 4,583 |
| Cost of funding earning assets | 0.2422% | 4,836 |
| Net interest margin | 3.5102% | 3,670 |
| Noninterest income to average assets | 0.4771% | 2,960 |
| Noninterest expense to average assets | 3.4943% | 999 |
| Loan and lease loss provision to assets | 0.0359% | 3,482 |
| Net operating income to assets | 0.0276% | 5,220 |
| Return on assets (ROA) | 0.0190% | 5,221 |
| Pretax return on assets | 0.0599% | 5,203 |
| Return on Equity (ROE) | 0.1534% | 5,220 |
| Retained earnings to average equity (ytd only) | 0.1534% | 4,942 |
| Net charge-offs to loans | 0.4183% | 438 |
| Credit loss provision to net charge-offs | 26.6667% | 3,369 |
| Earnings coverage of net charge-offs (x) | 0.7926% | 3,672 |
| Efficiency ratio | 97.0344% | 190 |
| Assets per employee ($millions) | 4.3447% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,215 |
| Loan loss allowance to noncurrent loans | 363.7168% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 2,140 |
| Noncurrent loans to loans | 0.3482% | 3,294 |
| Net loans and leases to total assets | 32.0658% | 5,170 |
| Net loans and leases to deposits | 37.3488% | 5,168 |
| Net loans and leases to core deposits | 41.0329% | 5,146 |
| Total domestic deposits to total assets | 85.8550% | 2,300 |
| Equity capital to assets | 12.3217% | 1,685 |
| Core capital (leverage) ratio | 13.3792% | 1,116 |
| Tier 1 risk-based capital ratio | 30.3350% | 462 |
| Total risk-based capital ratio | 31.3013% | 465 |
| Memoranda: | ||
| Average total assets | $100,191,600 | 4,097 |
| Average earning assets | $89,167,800 | 4,161 |
| Average equity | $12,387,200 | 3,976 |
| Average total loans | $32,274,400 | 4,760 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 4,592 |
| Cost of funding earning assets | 0.2249% | 4,921 |
| Net interest margin | 3.5052% | 3,679 |
| Noninterest income to average assets | 0.5133% | 2,785 |
| Noninterest expense to average assets | 2.6172% | 3,237 |
| Loan and lease loss provision to assets | -0.0093% | 5,214 |
| Net operating income to assets | 0.7740% | 3,997 |
| Return on assets (ROA) | 0.7740% | 4,005 |
| Pretax return on assets | 1.0346% | 3,622 |
| Return on Equity (ROE) | 6.2550% | 4,188 |
| Retained earnings to average equity (ytd only) | 6.2550% | 2,516 |
| Net charge-offs to loans | 0.3599% | 451 |
| Credit loss provision to net charge-offs | -8.0460% | 4,072 |
| Earnings coverage of net charge-offs (x) | 8.8618% | 2,677 |
| Efficiency ratio | 71.8510% | 1,903 |
| Assets per employee ($millions) | 4.1555% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,423 |
| Loan loss allowance to noncurrent loans | 112.7371% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 2,153 |
| Noncurrent loans to loans | 1.0963% | 1,553 |
| Net loans and leases to total assets | 34.7803% | 5,182 |
| Net loans and leases to deposits | 40.8529% | 5,187 |
| Net loans and leases to core deposits | 45.3111% | 5,130 |
| Total domestic deposits to total assets | 85.1355% | 2,555 |
| Equity capital to assets | 12.9090% | 1,376 |
| Core capital (leverage) ratio | 13.5819% | 1,071 |
| Tier 1 risk-based capital ratio | 31.4611% | 416 |
| Total risk-based capital ratio | 32.4331% | 422 |
| Memoranda: | ||
| Average total assets | $100,257,250 | 4,140 |
| Average earning assets | $89,502,250 | 4,197 |
| Average equity | $12,405,750 | 4,002 |
| Average total loans | $32,229,500 | 4,816 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 4,646 |
| Cost of funding earning assets | 0.2247% | 4,890 |
| Net interest margin | 3.4451% | 3,820 |
| Noninterest income to average assets | 0.5795% | 2,435 |
| Noninterest expense to average assets | 2.6322% | 3,212 |
| Loan and lease loss provision to assets | 0.0118% | 3,621 |
| Net operating income to assets | 0.7386% | 4,074 |
| Return on assets (ROA) | 0.7386% | 4,074 |
| Pretax return on assets | 1.0077% | 3,636 |
| Return on Equity (ROE) | 6.0507% | 4,222 |
| Retained earnings to average equity (ytd only) | 6.0507% | 2,532 |
| Net charge-offs to loans | 0.4850% | 315 |
| Credit loss provision to net charge-offs | 7.7922% | 2,738 |
| Earnings coverage of net charge-offs (x) | 6.7403% | 2,598 |
| Efficiency ratio | 72.0818% | 1,995 |
| Assets per employee ($millions) | 4.3313% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 1,906 |
| Loan loss allowance to noncurrent loans | 117.6944% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 2,262 |
| Noncurrent loans to loans | 1.1537% | 1,511 |
| Net loans and leases to total assets | 32.0130% | 5,286 |
| Net loans and leases to deposits | 37.3606% | 5,294 |
| Net loans and leases to core deposits | 41.9161% | 5,244 |
| Total domestic deposits to total assets | 85.6865% | 2,415 |
| Equity capital to assets | 12.3892% | 1,602 |
| Core capital (leverage) ratio | 13.0921% | 1,187 |
| Tier 1 risk-based capital ratio | 31.1127% | 440 |
| Total risk-based capital ratio | 32.1429% | 442 |
| Memoranda: | ||
| Average total assets | $101,817,330 | 4,146 |
| Average earning assets | $90,796,670 | 4,209 |
| Average equity | $12,428,330 | 4,022 |
| Average total loans | $31,753,330 | 4,882 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 4,566 |
| Cost of funding earning assets | 0.2261% | 4,857 |
| Net interest margin | 3.4357% | 3,756 |
| Noninterest income to average assets | 0.5325% | 2,620 |
| Noninterest expense to average assets | 2.6157% | 3,292 |
| Loan and lease loss provision to assets | 0.0622% | 2,534 |
| Net operating income to assets | 0.5985% | 4,431 |
| Return on assets (ROA) | 0.5985% | 4,438 |
| Pretax return on assets | 0.9250% | 3,766 |
| Return on Equity (ROE) | 4.9393% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.9393% | 3,212 |
| Net charge-offs to loans | 0.9153% | 152 |
| Credit loss provision to net charge-offs | 22.2222% | 2,111 |
| Earnings coverage of net charge-offs (x) | 3.5278% | 2,378 |
| Efficiency ratio | 72.5998% | 2,103 |
| Assets per employee ($millions) | 4.4395% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,604 |
| Loan loss allowance to noncurrent loans | 107.3286% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 2,253 |
| Noncurrent loans to loans | 1.3625% | 1,314 |
| Net loans and leases to total assets | 29.9592% | 5,367 |
| Net loans and leases to deposits | 34.8207% | 5,379 |
| Net loans and leases to core deposits | 39.0864% | 5,328 |
| Total domestic deposits to total assets | 86.0384% | 2,528 |
| Equity capital to assets | 12.0322% | 1,763 |
| Core capital (leverage) ratio | 12.7070% | 1,291 |
| Tier 1 risk-based capital ratio | 31.1147% | 433 |
| Total risk-based capital ratio | 32.1982% | 436 |
| Memoranda: | ||
| Average total assets | $102,916,500 | 4,176 |
| Average earning assets | $91,976,500 | 4,232 |
| Average equity | $12,471,500 | 4,051 |
| Average total loans | $31,465,000 | 4,935 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5206% | 4,755 |
| Cost of funding earning assets | 0.2136% | 4,839 |
| Net interest margin | 3.3070% | 4,139 |
| Noninterest income to average assets | 0.4633% | 3,227 |
| Noninterest expense to average assets | 3.4081% | 1,182 |
| Loan and lease loss provision to assets | 0.0048% | 4,157 |
| Net operating income to assets | -0.2235% | 5,457 |
| Return on assets (ROA) | -0.2235% | 5,455 |
| Pretax return on assets | 0.0183% | 5,428 |
| Return on Equity (ROE) | -1.7366% | 5,455 |
| Retained earnings to average equity (ytd only) | -1.7366% | 5,255 |
| Net charge-offs to loans | -0.0183% | 4,933 |
| Credit loss provision to net charge-offs | -83.3333% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3262% | 183 |
| Assets per employee ($millions) | 4.5097% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 1,145 |
| Loan loss allowance to noncurrent loans | 100.3937% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 1,773 |
| Noncurrent loans to loans | 1.5932% | 1,054 |
| Net loans and leases to total assets | 30.2485% | 5,433 |
| Net loans and leases to deposits | 35.2322% | 5,444 |
| Net loans and leases to core deposits | 39.2846% | 5,397 |
| Total domestic deposits to total assets | 85.8548% | 2,504 |
| Equity capital to assets | 12.2026% | 1,699 |
| Core capital (leverage) ratio | 12.7401% | 1,246 |
| Tier 1 risk-based capital ratio | 30.3322% | 450 |
| Total risk-based capital ratio | 31.5364% | 446 |
| Memoranda: | ||
| Average total assets | $103,810,400 | 4,170 |
| Average earning assets | $93,165,800 | 4,219 |
| Average equity | $13,359,800 | 3,933 |
| Average total loans | $32,739,400 | 4,933 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5396% | 4,716 |
| Cost of funding earning assets | 0.2143% | 4,853 |
| Net interest margin | 3.3254% | 4,090 |
| Noninterest income to average assets | 0.5111% | 2,964 |
| Noninterest expense to average assets | 2.5759% | 3,482 |
| Loan and lease loss provision to assets | -0.0668% | 5,545 |
| Net operating income to assets | 0.7396% | 3,775 |
| Return on assets (ROA) | 0.7396% | 3,849 |
| Pretax return on assets | 0.9913% | 3,716 |
| Return on Equity (ROE) | 5.6738% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.6738% | 2,445 |
| Net charge-offs to loans | -0.1497% | 5,479 |
| Credit loss provision to net charge-offs | 140.5405% | 1,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5877% | 1,958 |
| Assets per employee ($millions) | 4.3898% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,510 |
| Loan loss allowance to noncurrent loans | 57.8256% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 1,722 |
| Noncurrent loans to loans | 2.6067% | 558 |
| Net loans and leases to total assets | 31.3237% | 5,468 |
| Net loans and leases to deposits | 37.1708% | 5,478 |
| Net loans and leases to core deposits | 41.8002% | 5,424 |
| Total domestic deposits to total assets | 84.2698% | 3,016 |
| Equity capital to assets | 13.6839% | 1,085 |
| Core capital (leverage) ratio | 13.4337% | 1,049 |
| Tier 1 risk-based capital ratio | 32.8227% | 391 |
| Total risk-based capital ratio | 33.9830% | 384 |
| Memoranda: | ||
| Average total assets | $103,832,000 | 4,207 |
| Average earning assets | $93,341,000 | 4,252 |
| Average equity | $13,535,500 | 3,946 |
| Average total loans | $32,953,000 | 4,973 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 4,759 |
| Cost of funding earning assets | 0.2124% | 4,863 |
| Net interest margin | 3.2898% | 4,142 |
| Noninterest income to average assets | 0.5096% | 2,963 |
| Noninterest expense to average assets | 2.5232% | 3,679 |
| Loan and lease loss provision to assets | -0.2004% | 5,706 |
| Net operating income to assets | 0.9085% | 2,872 |
| Return on assets (ROA) | 0.9085% | 2,920 |
| Pretax return on assets | 1.1433% | 3,000 |
| Return on Equity (ROE) | 7.0823% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.0823% | 1,559 |
| Net charge-offs to loans | -0.7101% | 5,717 |
| Credit loss provision to net charge-offs | 88.9831% | 2,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7974% | 2,212 |
| Assets per employee ($millions) | 4.5065% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,400 |
| Loan loss allowance to noncurrent loans | 49.8054% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 1,561 |
| Noncurrent loans to loans | 3.1109% | 403 |
| Net loans and leases to total assets | 31.3874% | 5,510 |
| Net loans and leases to deposits | 37.0544% | 5,521 |
| Net loans and leases to core deposits | 41.3007% | 5,461 |
| Total domestic deposits to total assets | 84.7062% | 2,931 |
| Equity capital to assets | 13.2562% | 1,250 |
| Core capital (leverage) ratio | 12.9404% | 1,198 |
| Tier 1 risk-based capital ratio | 32.1613% | 397 |
| Total risk-based capital ratio | 33.3728% | 391 |
| Memoranda: | ||
| Average total assets | $104,787,670 | 4,232 |
| Average earning assets | $94,169,670 | 4,264 |
| Average equity | $13,442,000 | 3,966 |
| Average total loans | $33,234,000 | 5,000 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4563% | 4,813 |
| Cost of funding earning assets | 0.2068% | 4,915 |
| Net interest margin | 3.2495% | 4,181 |
| Noninterest income to average assets | 0.4974% | 2,999 |
| Noninterest expense to average assets | 2.5324% | 3,710 |
| Loan and lease loss provision to assets | -0.5239% | 5,832 |
| Net operating income to assets | 1.2833% | 1,282 |
| Return on assets (ROA) | 1.2833% | 1,316 |
| Pretax return on assets | 1.4123% | 1,846 |
| Return on Equity (ROE) | 10.1708% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.1708% | 774 |
| Net charge-offs to loans | -1.5002% | 5,797 |
| Credit loss provision to net charge-offs | 110.4000% | 1,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0289% | 2,229 |
| Assets per employee ($millions) | 4.6407% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 1,751 |
| Loan loss allowance to noncurrent loans | 40.6695% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 1,405 |
| Noncurrent loans to loans | 3.6485% | 317 |
| Net loans and leases to total assets | 30.2309% | 5,583 |
| Net loans and leases to deposits | 35.4248% | 5,596 |
| Net loans and leases to core deposits | 39.4395% | 5,538 |
| Total domestic deposits to total assets | 85.3385% | 2,942 |
| Equity capital to assets | 12.6360% | 1,448 |
| Core capital (leverage) ratio | 12.9869% | 1,148 |
| Tier 1 risk-based capital ratio | 31.6660% | 427 |
| Total risk-based capital ratio | 32.8100% | 425 |
| Memoranda: | ||
| Average total assets | $105,356,500 | 4,261 |
| Average earning assets | $94,783,000 | 4,297 |
| Average equity | $13,293,000 | 4,016 |
| Average total loans | $33,328,500 | 5,046 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 4,446 |
| Cost of funding earning assets | 0.1959% | 5,055 |
| Net interest margin | 3.4297% | 3,714 |
| Noninterest income to average assets | 1.1412% | 874 |
| Noninterest expense to average assets | 3.9447% | 651 |
| Loan and lease loss provision to assets | 0.1936% | 1,203 |
| Net operating income to assets | 0.2992% | 5,223 |
| Return on assets (ROA) | 0.2992% | 5,290 |
| Pretax return on assets | 0.1193% | 5,575 |
| Return on Equity (ROE) | 2.2048% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.2048% | 4,277 |
| Net charge-offs to loans | 1.6146% | 89 |
| Credit loss provision to net charge-offs | 34.3750% | 3,549 |
| Earnings coverage of net charge-offs (x) | 0.5556% | 4,093 |
| Efficiency ratio | 92.6504% | 435 |
| Assets per employee ($millions) | 4.5208% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,791 |
| Loan loss allowance to noncurrent loans | 39.7610% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 1,312 |
| Noncurrent loans to loans | 3.7016% | 308 |
| Net loans and leases to total assets | 32.1270% | 5,595 |
| Net loans and leases to deposits | 37.6708% | 5,608 |
| Net loans and leases to core deposits | 41.1945% | 5,567 |
| Total domestic deposits to total assets | 85.2834% | 2,928 |
| Equity capital to assets | 12.5979% | 1,464 |
| Core capital (leverage) ratio | 13.0353% | 1,119 |
| Tier 1 risk-based capital ratio | 30.9034% | 446 |
| Total risk-based capital ratio | 32.0791% | 447 |
| Memoranda: | ||
| Average total assets | $102,265,000 | 4,316 |
| Average earning assets | $92,924,000 | 4,323 |
| Average equity | $13,878,600 | 3,956 |
| Average total loans | $35,674,600 | 5,026 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7197% | 4,183 |
| Cost of funding earning assets | 0.1984% | 5,085 |
| Net interest margin | 3.5213% | 3,387 |
| Noninterest income to average assets | 1.3917% | 613 |
| Noninterest expense to average assets | 2.9929% | 2,338 |
| Loan and lease loss provision to assets | 0.0642% | 2,948 |
| Net operating income to assets | 1.2477% | 1,461 |
| Return on assets (ROA) | 1.2477% | 1,570 |
| Pretax return on assets | 1.5410% | 1,570 |
| Return on Equity (ROE) | 9.0285% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.0285% | 807 |
| Net charge-offs to loans | 1.8938% | 64 |
| Credit loss provision to net charge-offs | 9.5517% | 3,371 |
| Earnings coverage of net charge-offs (x) | 2.3899% | 3,581 |
| Efficiency ratio | 65.0911% | 3,747 |
| Assets per employee ($millions) | 4.3847% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 3,377 |
| Loan loss allowance to noncurrent loans | 48.2477% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 2,081 |
| Noncurrent loans to loans | 2.4438% | 729 |
| Net loans and leases to total assets | 34.3229% | 5,612 |
| Net loans and leases to deposits | 41.2233% | 5,605 |
| Net loans and leases to core deposits | 45.3865% | 5,535 |
| Total domestic deposits to total assets | 83.2609% | 3,495 |
| Equity capital to assets | 14.4713% | 883 |
| Core capital (leverage) ratio | 13.6352% | 959 |
| Tier 1 risk-based capital ratio | 32.7270% | 390 |
| Total risk-based capital ratio | 33.7090% | 390 |
| Memoranda: | ||
| Average total assets | $101,836,750 | 4,357 |
| Average earning assets | $92,728,500 | 4,371 |
| Average equity | $14,073,500 | 3,967 |
| Average total loans | $36,117,250 | 5,062 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 4,155 |
| Cost of funding earning assets | 0.1956% | 5,188 |
| Net interest margin | 3.5452% | 3,306 |
| Noninterest income to average assets | 1.8362% | 394 |
| Noninterest expense to average assets | 3.1008% | 2,061 |
| Loan and lease loss provision to assets | 0.0626% | 2,883 |
| Net operating income to assets | 1.5348% | 838 |
| Return on assets (ROA) | 1.5348% | 881 |
| Pretax return on assets | 1.9008% | 696 |
| Return on Equity (ROE) | 11.2806% | 1,548 |
| Retained earnings to average equity (ytd only) | 11.2806% | 406 |
| Net charge-offs to loans | 2.7192% | 52 |
| Credit loss provision to net charge-offs | 6.4516% | 3,018 |
| Earnings coverage of net charge-offs (x) | 2.0222% | 3,339 |
| Efficiency ratio | 61.2292% | 4,474 |
| Assets per employee ($millions) | 4.6212% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 3,606 |
| Loan loss allowance to noncurrent loans | 145.4225% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 3,803 |
| Noncurrent loans to loans | 0.7947% | 2,758 |
| Net loans and leases to total assets | 34.7438% | 5,656 |
| Net loans and leases to deposits | 41.6835% | 5,632 |
| Net loans and leases to core deposits | 46.1449% | 5,559 |
| Total domestic deposits to total assets | 83.3515% | 3,523 |
| Equity capital to assets | 14.3252% | 926 |
| Core capital (leverage) ratio | 13.3190% | 1,050 |
| Tier 1 risk-based capital ratio | 31.8972% | 421 |
| Total risk-based capital ratio | 32.8664% | 424 |
| Memoranda: | ||
| Average total assets | $102,166,330 | 4,386 |
| Average earning assets | $93,028,000 | 4,402 |
| Average equity | $13,900,000 | 4,006 |
| Average total loans | $36,480,670 | 5,088 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 3,578 |
| Cost of funding earning assets | 0.1904% | 5,280 |
| Net interest margin | 3.7134% | 2,613 |
| Noninterest income to average assets | 3.2378% | 184 |
| Noninterest expense to average assets | 3.6557% | 953 |
| Loan and lease loss provision to assets | 0.1055% | 1,944 |
| Net operating income to assets | 2.3707% | 187 |
| Return on assets (ROA) | 2.3707% | 194 |
| Pretax return on assets | 2.8277% | 151 |
| Return on Equity (ROE) | 17.8950% | 360 |
| Retained earnings to average equity (ytd only) | 17.8950% | 129 |
| Net charge-offs to loans | 0.3582% | 622 |
| Credit loss provision to net charge-offs | 81.8182% | 1,824 |
| Earnings coverage of net charge-offs (x) | 22.7576% | 1,393 |
| Efficiency ratio | 55.4831% | 5,238 |
| Assets per employee ($millions) | 4.8929% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3718% | 461 |
| Loan loss allowance to noncurrent loans | 90.6348% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 2,013 |
| Noncurrent loans to loans | 2.6169% | 693 |
| Net loans and leases to total assets | 34.8921% | 5,681 |
| Net loans and leases to deposits | 41.5806% | 5,665 |
| Net loans and leases to core deposits | 45.8348% | 5,596 |
| Total domestic deposits to total assets | 83.9145% | 3,552 |
| Equity capital to assets | 13.7361% | 1,074 |
| Core capital (leverage) ratio | 13.3548% | 1,038 |
| Tier 1 risk-based capital ratio | 29.7567% | 519 |
| Total risk-based capital ratio | 31.0142% | 510 |
| Memoranda: | ||
| Average total assets | $102,416,000 | 4,419 |
| Average earning assets | $92,421,000 | 4,451 |
| Average equity | $13,568,000 | 4,068 |
| Average total loans | $36,853,000 | 5,119 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,414 |
| Cost of funding earning assets | 0.1823% | 5,426 |
| Net interest margin | 3.7913% | 2,404 |
| Noninterest income to average assets | 0.5666% | 2,920 |
| Noninterest expense to average assets | 3.7331% | 937 |
| Loan and lease loss provision to assets | 0.0997% | 2,317 |
| Net operating income to assets | 0.0895% | 5,769 |
| Return on assets (ROA) | 0.0895% | 5,812 |
| Pretax return on assets | 0.1190% | 5,779 |
| Return on Equity (ROE) | 0.6616% | 5,817 |
| Retained earnings to average equity (ytd only) | 0.6616% | 5,246 |
| Net charge-offs to loans | 0.1929% | 1,509 |
| Credit loss provision to net charge-offs | 132.4324% | 1,976 |
| Earnings coverage of net charge-offs (x) | 2.9054% | 3,806 |
| Efficiency ratio | 94.4659% | 465 |
| Assets per employee ($millions) | 4.6400% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3714% | 472 |
| Loan loss allowance to noncurrent loans | 87.7878% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 1,971 |
| Noncurrent loans to loans | 2.7012% | 651 |
| Net loans and leases to total assets | 35.3700% | 5,729 |
| Net loans and leases to deposits | 41.5987% | 5,721 |
| Net loans and leases to core deposits | 44.7571% | 5,692 |
| Total domestic deposits to total assets | 85.0266% | 3,080 |
| Equity capital to assets | 12.7565% | 1,484 |
| Core capital (leverage) ratio | 13.3517% | 1,018 |
| Tier 1 risk-based capital ratio | 27.8539% | 607 |
| Total risk-based capital ratio | 29.1129% | 600 |
| Memoranda: | ||
| Average total assets | $98,310,400 | 4,492 |
| Average earning assets | $87,779,600 | 4,542 |
| Average equity | $13,301,600 | 4,074 |
| Average total loans | $38,354,400 | 5,076 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,069 |
| Cost of funding earning assets | 0.1841% | 5,512 |
| Net interest margin | 3.8839% | 2,087 |
| Noninterest income to average assets | 0.5984% | 2,748 |
| Noninterest expense to average assets | 2.7223% | 3,490 |
| Loan and lease loss provision to assets | 0.2287% | 807 |
| Net operating income to assets | 0.7928% | 3,463 |
| Return on assets (ROA) | 0.7928% | 3,552 |
| Pretax return on assets | 1.1133% | 3,161 |
| Return on Equity (ROE) | 5.7733% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.7733% | 2,383 |
| Net charge-offs to loans | 0.1240% | 1,885 |
| Credit loss provision to net charge-offs | 463.8889% | 689 |
| Earnings coverage of net charge-offs (x) | 27.2215% | 1,592 |
| Efficiency ratio | 66.9811% | 3,717 |
| Assets per employee ($millions) | 4.2461% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6429% | 355 |
| Loan loss allowance to noncurrent loans | 97.8131% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 1,935 |
| Noncurrent loans to loans | 2.7020% | 710 |
| Net loans and leases to total assets | 38.8032% | 5,656 |
| Net loans and leases to deposits | 47.0112% | 5,614 |
| Net loans and leases to core deposits | 51.3028% | 5,534 |
| Total domestic deposits to total assets | 82.5403% | 3,971 |
| Equity capital to assets | 14.7760% | 791 |
| Core capital (leverage) ratio | 13.9780% | 871 |
| Tier 1 risk-based capital ratio | 30.1023% | 520 |
| Total risk-based capital ratio | 31.3651% | 511 |
| Memoranda: | ||
| Average total assets | $97,367,750 | 4,558 |
| Average earning assets | $86,887,250 | 4,610 |
| Average equity | $13,371,500 | 4,111 |
| Average total loans | $38,697,250 | 5,115 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 3,317 |
| Cost of funding earning assets | 0.1841% | 5,582 |
| Net interest margin | 3.8108% | 2,270 |
| Noninterest income to average assets | 0.4945% | 3,418 |
| Noninterest expense to average assets | 2.6873% | 3,638 |
| Loan and lease loss provision to assets | 0.3060% | 495 |
| Net operating income to assets | 0.6343% | 4,201 |
| Return on assets (ROA) | 0.6343% | 4,310 |
| Pretax return on assets | 0.8998% | 3,956 |
| Return on Equity (ROE) | 4.7325% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.7325% | 3,032 |
| Net charge-offs to loans | 0.1072% | 1,924 |
| Credit loss provision to net charge-offs | 719.0476% | 473 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,423 |
| Efficiency ratio | 69.0265% | 3,490 |
| Assets per employee ($millions) | 4.3561% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5998% | 431 |
| Loan loss allowance to noncurrent loans | 90.5991% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4212% | 1,762 |
| Noncurrent loans to loans | 2.8695% | 710 |
| Net loans and leases to total assets | 38.4290% | 5,716 |
| Net loans and leases to deposits | 45.9856% | 5,677 |
| Net loans and leases to core deposits | 50.1355% | 5,608 |
| Total domestic deposits to total assets | 83.5674% | 3,735 |
| Equity capital to assets | 13.8750% | 1,024 |
| Core capital (leverage) ratio | 13.2608% | 1,067 |
| Tier 1 risk-based capital ratio | 28.6805% | 604 |
| Total risk-based capital ratio | 29.9413% | 595 |
| Memoranda: | ||
| Average total assets | $98,685,330 | 4,572 |
| Average earning assets | $88,012,330 | 4,638 |
| Average equity | $13,227,670 | 4,163 |
| Average total loans | $39,185,670 | 5,139 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 3,523 |
| Cost of funding earning assets | 0.1791% | 5,684 |
| Net interest margin | 3.7394% | 2,473 |
| Noninterest income to average assets | 0.5034% | 3,260 |
| Noninterest expense to average assets | 2.6730% | 3,685 |
| Loan and lease loss provision to assets | 0.5794% | 166 |
| Net operating income to assets | 0.3196% | 5,340 |
| Return on assets (ROA) | 0.3196% | 5,449 |
| Pretax return on assets | 0.5873% | 4,949 |
| Return on Equity (ROE) | 2.4255% | 5,564 |
| Retained earnings to average equity (ytd only) | 2.4255% | 4,482 |
| Net charge-offs to loans | 0.0602% | 2,151 |
| Credit loss provision to net charge-offs | 2,416.6667% | 173 |
| Earnings coverage of net charge-offs (x) | 48.6667% | 852 |
| Efficiency ratio | 69.6150% | 3,556 |
| Assets per employee ($millions) | 4.4829% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4842% | 540 |
| Loan loss allowance to noncurrent loans | 99.1009% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.3242% | 2,003 |
| Noncurrent loans to loans | 2.5067% | 966 |
| Net loans and leases to total assets | 39.4843% | 5,627 |
| Net loans and leases to deposits | 47.0063% | 5,619 |
| Net loans and leases to core deposits | 50.9939% | 5,541 |
| Total domestic deposits to total assets | 83.9978% | 3,817 |
| Equity capital to assets | 13.5636% | 1,146 |
| Core capital (leverage) ratio | 12.8323% | 1,224 |
| Tier 1 risk-based capital ratio | 26.7005% | 736 |
| Total risk-based capital ratio | 27.9478% | 721 |
| Memoranda: | ||
| Average total assets | $100,111,000 | 4,589 |
| Average earning assets | $89,320,000 | 4,651 |
| Average equity | $13,193,000 | 4,206 |
| Average total loans | $39,873,000 | 5,145 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 3,732 |
| Cost of funding earning assets | 0.1919% | 5,820 |
| Net interest margin | 3.8075% | 2,603 |
| Noninterest income to average assets | 0.5017% | 3,494 |
| Noninterest expense to average assets | 3.6077% | 1,292 |
| Loan and lease loss provision to assets | 0.1102% | 2,327 |
| Net operating income to assets | 0.0920% | 5,963 |
| Return on assets (ROA) | 0.0920% | 5,993 |
| Pretax return on assets | 0.1558% | 5,931 |
| Return on Equity (ROE) | 0.6986% | 6,009 |
| Retained earnings to average equity (ytd only) | 0.6986% | 5,453 |
| Net charge-offs to loans | 0.6175% | 637 |
| Credit loss provision to net charge-offs | 43.9516% | 3,604 |
| Earnings coverage of net charge-offs (x) | 1.0605% | 4,503 |
| Efficiency ratio | 93.1332% | 641 |
| Assets per employee ($millions) | 4.6181% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1425% | 895 |
| Loan loss allowance to noncurrent loans | 63.4201% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 1,837 |
| Noncurrent loans to loans | 3.3783% | 625 |
| Net loans and leases to total assets | 38.3472% | 5,832 |
| Net loans and leases to deposits | 45.1820% | 5,835 |
| Net loans and leases to core deposits | 49.7167% | 5,724 |
| Total domestic deposits to total assets | 84.8727% | 3,338 |
| Equity capital to assets | 12.8044% | 1,462 |
| Core capital (leverage) ratio | 12.9213% | 1,170 |
| Tier 1 risk-based capital ratio | 26.3544% | 732 |
| Total risk-based capital ratio | 27.6119% | 715 |
| Memoranda: | ||
| Average total assets | $98,871,000 | 4,631 |
| Average earning assets | $87,564,400 | 4,705 |
| Average equity | $13,026,200 | 4,191 |
| Average total loans | $40,163,600 | 5,182 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 3,624 |
| Cost of funding earning assets | 0.1965% | 5,864 |
| Net interest margin | 3.8378% | 2,483 |
| Noninterest income to average assets | 0.5092% | 3,490 |
| Noninterest expense to average assets | 2.6465% | 4,028 |
| Loan and lease loss provision to assets | 0.1521% | 1,633 |
| Net operating income to assets | 0.7523% | 3,658 |
| Return on assets (ROA) | 0.7523% | 3,753 |
| Pretax return on assets | 1.1053% | 3,162 |
| Return on Equity (ROE) | 5.6686% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.6686% | 2,628 |
| Net charge-offs to loans | 0.6757% | 520 |
| Credit loss provision to net charge-offs | 54.9020% | 3,030 |
| Earnings coverage of net charge-offs (x) | 4.5393% | 3,433 |
| Efficiency ratio | 67.7913% | 3,894 |
| Assets per employee ($millions) | 4.4263% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 925 |
| Loan loss allowance to noncurrent loans | 65.1230% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.5640% | 1,957 |
| Noncurrent loans to loans | 3.4005% | 716 |
| Net loans and leases to total assets | 40.8106% | 5,764 |
| Net loans and leases to deposits | 48.7362% | 5,721 |
| Net loans and leases to core deposits | 53.8445% | 5,577 |
| Total domestic deposits to total assets | 83.7378% | 3,860 |
| Equity capital to assets | 13.6457% | 1,127 |
| Core capital (leverage) ratio | 13.3857% | 1,036 |
| Tier 1 risk-based capital ratio | 27.0319% | 708 |
| Total risk-based capital ratio | 28.2888% | 691 |
| Memoranda: | ||
| Average total assets | $98,189,250 | 4,690 |
| Average earning assets | $86,852,250 | 4,775 |
| Average equity | $13,030,500 | 4,215 |
| Average total loans | $40,251,250 | 5,231 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 3,658 |
| Cost of funding earning assets | 0.2023% | 5,887 |
| Net interest margin | 3.8161% | 2,504 |
| Noninterest income to average assets | 0.5078% | 3,420 |
| Noninterest expense to average assets | 2.6793% | 3,947 |
| Loan and lease loss provision to assets | -0.4530% | 6,575 |
| Net operating income to assets | 1.0685% | 2,042 |
| Return on assets (ROA) | 1.0685% | 2,124 |
| Pretax return on assets | 1.6535% | 1,131 |
| Return on Equity (ROE) | 8.1269% | 3,026 |
| Retained earnings to average equity (ytd only) | 8.1269% | 1,282 |
| Net charge-offs to loans | 1.0119% | 351 |
| Credit loss provision to net charge-offs | -109.8522% | 5,275 |
| Earnings coverage of net charge-offs (x) | 2.9113% | 3,437 |
| Efficiency ratio | 69.0576% | 3,826 |
| Assets per employee ($millions) | 4.5004% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 3,447 |
| Loan loss allowance to noncurrent loans | 146.2532% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5333% | 4,400 |
| Noncurrent loans to loans | 0.9444% | 3,355 |
| Net loans and leases to total assets | 40.8155% | 5,761 |
| Net loans and leases to deposits | 48.6393% | 5,732 |
| Net loans and leases to core deposits | 53.9958% | 5,549 |
| Total domestic deposits to total assets | 83.9146% | 3,952 |
| Equity capital to assets | 13.5644% | 1,133 |
| Core capital (leverage) ratio | 13.3404% | 1,038 |
| Tier 1 risk-based capital ratio | 26.9314% | 706 |
| Total risk-based capital ratio | 28.0901% | 698 |
| Memoranda: | ||
| Average total assets | $98,459,330 | 4,716 |
| Average earning assets | $86,999,670 | 4,800 |
| Average equity | $12,944,670 | 4,233 |
| Average total loans | $40,121,330 | 5,271 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 3,549 |
| Cost of funding earning assets | 0.2033% | 5,967 |
| Net interest margin | 3.8297% | 2,344 |
| Noninterest income to average assets | 0.5296% | 3,194 |
| Noninterest expense to average assets | 2.6562% | 4,093 |
| Loan and lease loss provision to assets | -0.9615% | 6,706 |
| Net operating income to assets | 1.3566% | 1,080 |
| Return on assets (ROA) | 1.3566% | 1,127 |
| Pretax return on assets | 2.2122% | 347 |
| Return on Equity (ROE) | 10.4865% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.4865% | 843 |
| Net charge-offs to loans | 1.9550% | 136 |
| Credit loss provision to net charge-offs | -121.6495% | 4,870 |
| Earnings coverage of net charge-offs (x) | 1.5825% | 3,062 |
| Efficiency ratio | 67.9875% | 4,186 |
| Assets per employee ($millions) | 4.5059% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 3,542 |
| Loan loss allowance to noncurrent loans | 161.9597% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 4,601 |
| Noncurrent loans to loans | 0.8720% | 3,712 |
| Net loans and leases to total assets | 39.5753% | 5,838 |
| Net loans and leases to deposits | 46.8676% | 5,792 |
| Net loans and leases to core deposits | 51.6775% | 5,640 |
| Total domestic deposits to total assets | 84.4406% | 4,105 |
| Equity capital to assets | 13.0990% | 1,264 |
| Core capital (leverage) ratio | 13.2577% | 1,064 |
| Tier 1 risk-based capital ratio | 26.8191% | 723 |
| Total risk-based capital ratio | 27.9818% | 719 |
| Memoranda: | ||
| Average total assets | $98,184,500 | 4,767 |
| Average earning assets | $86,587,000 | 4,853 |
| Average equity | $12,702,000 | 4,293 |
| Average total loans | $39,693,500 | 5,338 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 4,545 |
| Cost of funding earning assets | 0.2395% | 6,037 |
| Net interest margin | 3.6375% | 3,294 |
| Noninterest income to average assets | 0.5298% | 3,552 |
| Noninterest expense to average assets | 3.6135% | 1,421 |
| Loan and lease loss provision to assets | 0.1193% | 2,824 |
| Net operating income to assets | 0.0749% | 6,092 |
| Return on assets (ROA) | 0.0749% | 6,138 |
| Pretax return on assets | 0.0190% | 6,202 |
| Return on Equity (ROE) | 0.5452% | 6,159 |
| Retained earnings to average equity (ytd only) | 0.5452% | 5,597 |
| Net charge-offs to loans | 0.3258% | 2,049 |
| Credit loss provision to net charge-offs | 91.1290% | 2,722 |
| Earnings coverage of net charge-offs (x) | 1.0565% | 4,725 |
| Efficiency ratio | 96.3150% | 623 |
| Assets per employee ($millions) | 4.4200% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5054% | 822 |
| Loan loss allowance to noncurrent loans | 64.4574% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7277% | 2,138 |
| Noncurrent loans to loans | 3.8870% | 759 |
| Net loans and leases to total assets | 39.6981% | 5,986 |
| Net loans and leases to deposits | 46.8590% | 5,957 |
| Net loans and leases to core deposits | 51.0669% | 5,871 |
| Total domestic deposits to total assets | 84.7181% | 3,884 |
| Equity capital to assets | 12.7716% | 1,382 |
| Core capital (leverage) ratio | 13.3502% | 1,009 |
| Tier 1 risk-based capital ratio | 26.7641% | 701 |
| Total risk-based capital ratio | 28.0250% | 686 |
| Memoranda: | ||
| Average total assets | $94,757,000 | 4,873 |
| Average earning assets | $83,931,400 | 4,934 |
| Average equity | $13,023,200 | 4,264 |
| Average total loans | $38,056,200 | 5,420 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 4,561 |
| Cost of funding earning assets | 0.2525% | 6,067 |
| Net interest margin | 3.6312% | 3,315 |
| Noninterest income to average assets | 0.5510% | 3,448 |
| Noninterest expense to average assets | 2.6557% | 4,178 |
| Loan and lease loss provision to assets | 0.1728% | 2,102 |
| Net operating income to assets | 0.6912% | 3,903 |
| Return on assets (ROA) | 0.6912% | 4,037 |
| Pretax return on assets | 0.9405% | 3,722 |
| Return on Equity (ROE) | 4.9388% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.9388% | 3,126 |
| Net charge-offs to loans | 0.3822% | 1,678 |
| Credit loss provision to net charge-offs | 112.9630% | 2,079 |
| Earnings coverage of net charge-offs (x) | 7.2776% | 2,817 |
| Efficiency ratio | 70.4622% | 3,680 |
| Assets per employee ($millions) | 4.2078% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5300% | 906 |
| Loan loss allowance to noncurrent loans | 71.5693% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.6981% | 2,419 |
| Noncurrent loans to loans | 3.5350% | 1,073 |
| Net loans and leases to total assets | 42.3249% | 5,877 |
| Net loans and leases to deposits | 50.9698% | 5,777 |
| Net loans and leases to core deposits | 56.1252% | 5,615 |
| Total domestic deposits to total assets | 83.0391% | 4,557 |
| Equity capital to assets | 14.1004% | 937 |
| Core capital (leverage) ratio | 13.8940% | 894 |
| Tier 1 risk-based capital ratio | 27.7024% | 652 |
| Total risk-based capital ratio | 28.9636% | 639 |
| Memoranda: | ||
| Average total assets | $94,136,500 | 4,933 |
| Average earning assets | $83,422,000 | 4,990 |
| Average equity | $13,174,250 | 4,277 |
| Average total loans | $37,671,750 | 5,489 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7994% | 4,836 |
| Cost of funding earning assets | 0.2693% | 6,050 |
| Net interest margin | 3.5301% | 3,657 |
| Noninterest income to average assets | 0.5472% | 3,516 |
| Noninterest expense to average assets | 2.6495% | 4,219 |
| Loan and lease loss provision to assets | 0.1986% | 1,912 |
| Net operating income to assets | 0.6592% | 4,023 |
| Return on assets (ROA) | 0.6592% | 4,176 |
| Pretax return on assets | 0.8282% | 4,203 |
| Return on Equity (ROE) | 4.7220% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.7220% | 3,250 |
| Net charge-offs to loans | 0.4670% | 1,412 |
| Credit loss provision to net charge-offs | 109.3023% | 2,023 |
| Earnings coverage of net charge-offs (x) | 5.6512% | 2,851 |
| Efficiency ratio | 72.0690% | 3,455 |
| Assets per employee ($millions) | 4.2537% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6887% | 797 |
| Loan loss allowance to noncurrent loans | 72.5251% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6510% | 2,629 |
| Noncurrent loans to loans | 3.7072% | 1,101 |
| Net loans and leases to total assets | 39.1005% | 6,102 |
| Net loans and leases to deposits | 46.8851% | 6,052 |
| Net loans and leases to core deposits | 51.8037% | 5,899 |
| Total domestic deposits to total assets | 83.3964% | 4,550 |
| Equity capital to assets | 13.8360% | 1,013 |
| Core capital (leverage) ratio | 13.6269% | 931 |
| Tier 1 risk-based capital ratio | 27.8859% | 631 |
| Total risk-based capital ratio | 29.1468% | 621 |
| Memoranda: | ||
| Average total assets | $94,658,000 | 4,942 |
| Average earning assets | $83,908,000 | 5,011 |
| Average equity | $13,214,670 | 4,292 |
| Average total loans | $36,829,670 | 5,547 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 5,036 |
| Cost of funding earning assets | 0.2888% | 6,053 |
| Net interest margin | 3.4465% | 3,928 |
| Noninterest income to average assets | 0.5252% | 3,604 |
| Noninterest expense to average assets | 2.6556% | 4,228 |
| Loan and lease loss provision to assets | -0.0084% | 6,733 |
| Net operating income to assets | 0.7479% | 3,447 |
| Return on assets (ROA) | 0.7479% | 3,583 |
| Pretax return on assets | 0.9370% | 3,627 |
| Return on Equity (ROE) | 5.3341% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.3341% | 3,037 |
| Net charge-offs to loans | 0.0878% | 2,962 |
| Credit loss provision to net charge-offs | -25.0000% | 4,996 |
| Earnings coverage of net charge-offs (x) | 27.6250% | 1,012 |
| Efficiency ratio | 74.0914% | 3,250 |
| Assets per employee ($millions) | 4.3423% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7182% | 898 |
| Loan loss allowance to noncurrent loans | 61.4100% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.7167% | 2,719 |
| Noncurrent loans to loans | 4.4263% | 956 |
| Net loans and leases to total assets | 37.2015% | 6,206 |
| Net loans and leases to deposits | 44.6431% | 6,151 |
| Net loans and leases to core deposits | 49.4862% | 6,006 |
| Total domestic deposits to total assets | 83.3311% | 4,746 |
| Equity capital to assets | 14.0133% | 1,021 |
| Core capital (leverage) ratio | 13.4651% | 957 |
| Tier 1 risk-based capital ratio | 28.4702% | 613 |
| Total risk-based capital ratio | 29.7309% | 604 |
| Memoranda: | ||
| Average total assets | $95,196,000 | 4,971 |
| Average earning assets | $84,492,500 | 5,027 |
| Average equity | $13,348,000 | 4,318 |
| Average total loans | $36,443,500 | 5,596 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 4,990 |
| Cost of funding earning assets | 0.3855% | 6,013 |
| Net interest margin | 3.7018% | 3,633 |
| Noninterest income to average assets | 0.5513% | 3,567 |
| Noninterest expense to average assets | 3.7082% | 1,399 |
| Loan and lease loss provision to assets | 0.0410% | 5,346 |
| Net operating income to assets | 0.1596% | 5,865 |
| Return on assets (ROA) | 0.1596% | 6,031 |
| Pretax return on assets | 0.0998% | 6,162 |
| Return on Equity (ROE) | 1.1305% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.1305% | 5,309 |
| Net charge-offs to loans | 0.0921% | 4,752 |
| Credit loss provision to net charge-offs | 114.7059% | 2,531 |
| Earnings coverage of net charge-offs (x) | 3.9412% | 3,535 |
| Efficiency ratio | 96.3438% | 694 |
| Assets per employee ($millions) | 4.3119% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7589% | 866 |
| Loan loss allowance to noncurrent loans | 66.0303% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.6255% | 2,962 |
| Noncurrent loans to loans | 4.1782% | 1,091 |
| Net loans and leases to total assets | 37.2672% | 6,353 |
| Net loans and leases to deposits | 44.7035% | 6,328 |
| Net loans and leases to core deposits | 48.9274% | 6,216 |
| Total domestic deposits to total assets | 83.3651% | 4,576 |
| Equity capital to assets | 14.0300% | 1,037 |
| Core capital (leverage) ratio | 13.4100% | 978 |
| Tier 1 risk-based capital ratio | 28.3883% | 598 |
| Total risk-based capital ratio | 29.6519% | 584 |
| Memoranda: | ||
| Average total assets | $95,221,800 | 4,957 |
| Average earning assets | $84,823,400 | 4,993 |
| Average equity | $13,445,800 | 4,267 |
| Average total loans | $36,896,800 | 5,640 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 4,997 |
| Cost of funding earning assets | 0.3985% | 6,129 |
| Net interest margin | 3.7496% | 3,556 |
| Noninterest income to average assets | 0.5609% | 3,537 |
| Noninterest expense to average assets | 2.6187% | 4,677 |
| Loan and lease loss provision to assets | 0.0601% | 4,968 |
| Net operating income to assets | 0.9428% | 2,779 |
| Return on assets (ROA) | 0.9428% | 3,005 |
| Pretax return on assets | 1.2254% | 2,888 |
| Return on Equity (ROE) | 6.6665% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.6665% | 2,299 |
| Net charge-offs to loans | 0.0936% | 4,442 |
| Credit loss provision to net charge-offs | 165.3846% | 1,689 |
| Earnings coverage of net charge-offs (x) | 35.3418% | 963 |
| Efficiency ratio | 67.0727% | 4,235 |
| Assets per employee ($millions) | 4.2962% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7976% | 889 |
| Loan loss allowance to noncurrent loans | 70.9790% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.5373% | 3,275 |
| Noncurrent loans to loans | 3.9415% | 1,311 |
| Net loans and leases to total assets | 37.3122% | 6,463 |
| Net loans and leases to deposits | 45.3174% | 6,434 |
| Net loans and leases to core deposits | 50.0945% | 6,275 |
| Total domestic deposits to total assets | 82.3353% | 4,905 |
| Equity capital to assets | 14.7732% | 876 |
| Core capital (leverage) ratio | 13.6892% | 949 |
| Tier 1 risk-based capital ratio | 29.4425% | 557 |
| Total risk-based capital ratio | 30.7052% | 550 |
| Memoranda: | ||
| Average total assets | $95,312,000 | 5,009 |
| Average earning assets | $84,984,500 | 5,043 |
| Average equity | $13,480,000 | 4,299 |
| Average total loans | $37,032,250 | 5,703 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 4,951 |
| Cost of funding earning assets | 0.4107% | 6,214 |
| Net interest margin | 3.7903% | 3,405 |
| Noninterest income to average assets | 0.5692% | 3,455 |
| Noninterest expense to average assets | 2.6136% | 4,731 |
| Loan and lease loss provision to assets | 0.0983% | 4,306 |
| Net operating income to assets | 1.0002% | 2,465 |
| Return on assets (ROA) | 1.0002% | 2,687 |
| Pretax return on assets | 1.2367% | 2,778 |
| Return on Equity (ROE) | 7.1777% | 3,683 |
| Retained earnings to average equity (ytd only) | 7.1777% | 2,005 |
| Net charge-offs to loans | 0.0858% | 4,291 |
| Credit loss provision to net charge-offs | 293.7500% | 996 |
| Earnings coverage of net charge-offs (x) | 39.8750% | 880 |
| Efficiency ratio | 66.1897% | 4,499 |
| Assets per employee ($millions) | 4.3732% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7651% | 976 |
| Loan loss allowance to noncurrent loans | 64.0722% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 3,215 |
| Noncurrent loans to loans | 4.3156% | 1,247 |
| Net loans and leases to total assets | 37.6104% | 6,511 |
| Net loans and leases to deposits | 45.3077% | 6,488 |
| Net loans and leases to core deposits | 49.0558% | 6,396 |
| Total domestic deposits to total assets | 83.0111% | 4,751 |
| Equity capital to assets | 14.2418% | 1,002 |
| Core capital (leverage) ratio | 13.3489% | 1,036 |
| Tier 1 risk-based capital ratio | 28.1430% | 632 |
| Total risk-based capital ratio | 29.4055% | 621 |
| Memoranda: | ||
| Average total assets | $95,577,330 | 5,017 |
| Average earning assets | $85,217,330 | 5,071 |
| Average equity | $13,319,000 | 4,336 |
| Average total loans | $37,282,670 | 5,720 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 4,625 |
| Cost of funding earning assets | 0.4243% | 6,287 |
| Net interest margin | 3.9033% | 2,903 |
| Noninterest income to average assets | 0.5753% | 3,378 |
| Noninterest expense to average assets | 2.6286% | 4,712 |
| Loan and lease loss provision to assets | 0.1302% | 3,720 |
| Net operating income to assets | 1.0288% | 2,364 |
| Return on assets (ROA) | 1.0288% | 2,551 |
| Pretax return on assets | 1.2933% | 2,561 |
| Return on Equity (ROE) | 7.4652% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.4652% | 2,194 |
| Net charge-offs to loans | 0.0643% | 3,851 |
| Credit loss provision to net charge-offs | 516.6667% | 636 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 574 |
| Efficiency ratio | 64.8705% | 4,765 |
| Assets per employee ($millions) | 4.3802% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7482% | 1,056 |
| Loan loss allowance to noncurrent loans | 68.0639% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 3,524 |
| Noncurrent loans to loans | 4.0377% | 1,510 |
| Net loans and leases to total assets | 37.5669% | 6,525 |
| Net loans and leases to deposits | 45.0323% | 6,490 |
| Net loans and leases to core deposits | 49.0382% | 6,396 |
| Total domestic deposits to total assets | 83.4222% | 4,749 |
| Equity capital to assets | 13.9450% | 1,044 |
| Core capital (leverage) ratio | 13.3869% | 988 |
| Tier 1 risk-based capital ratio | 27.8509% | 656 |
| Total risk-based capital ratio | 29.1124% | 636 |
| Memoranda: | ||
| Average total assets | $95,261,000 | 5,052 |
| Average earning assets | $84,851,500 | 5,117 |
| Average equity | $13,127,500 | 4,382 |
| Average total loans | $37,317,000 | 5,765 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 4,058 |
| Cost of funding earning assets | 0.4124% | 6,858 |
| Net interest margin | 4.3319% | 1,600 |
| Noninterest income to average assets | 0.5941% | 3,199 |
| Noninterest expense to average assets | 3.9743% | 1,074 |
| Loan and lease loss provision to assets | 0.1450% | 4,801 |
| Net operating income to assets | 0.2605% | 5,398 |
| Return on assets (ROA) | 0.2605% | 5,542 |
| Pretax return on assets | 0.3107% | 5,530 |
| Return on Equity (ROE) | 1.8839% | 5,704 |
| Retained earnings to average equity (ytd only) | 1.8839% | 4,861 |
| Net charge-offs to loans | 0.2124% | 4,459 |
| Credit loss provision to net charge-offs | 177.3333% | 1,478 |
| Earnings coverage of net charge-offs (x) | 5.5733% | 2,748 |
| Efficiency ratio | 89.7146% | 1,215 |
| Assets per employee ($millions) | 4.2799% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6677% | 1,114 |
| Loan loss allowance to noncurrent loans | 70.3312% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5070% | 3,691 |
| Noncurrent loans to loans | 3.7931% | 1,654 |
| Net loans and leases to total assets | 38.6712% | 6,620 |
| Net loans and leases to deposits | 46.1595% | 6,620 |
| Net loans and leases to core deposits | 49.3388% | 6,565 |
| Total domestic deposits to total assets | 83.7773% | 4,421 |
| Equity capital to assets | 13.6122% | 1,214 |
| Core capital (leverage) ratio | 13.3307% | 1,030 |
| Tier 1 risk-based capital ratio | 26.9168% | 715 |
| Total risk-based capital ratio | 28.1776% | 690 |
| Memoranda: | ||
| Average total assets | $91,739,600 | 5,142 |
| Average earning assets | $81,234,200 | 5,194 |
| Average equity | $12,686,400 | 4,400 |
| Average total loans | $35,305,400 | 5,898 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 3,700 |
| Cost of funding earning assets | 0.4072% | 7,000 |
| Net interest margin | 4.4594% | 1,247 |
| Noninterest income to average assets | 0.5954% | 3,197 |
| Noninterest expense to average assets | 2.7811% | 4,412 |
| Loan and lease loss provision to assets | 0.1375% | 4,717 |
| Net operating income to assets | 1.1207% | 1,903 |
| Return on assets (ROA) | 1.1207% | 2,037 |
| Pretax return on assets | 1.6181% | 1,335 |
| Return on Equity (ROE) | 8.0712% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.0712% | 1,484 |
| Net charge-offs to loans | 0.2453% | 3,892 |
| Credit loss provision to net charge-offs | 146.8750% | 2,140 |
| Earnings coverage of net charge-offs (x) | 18.7503% | 1,288 |
| Efficiency ratio | 61.3028% | 5,516 |
| Assets per employee ($millions) | 4.1700% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6827% | 1,150 |
| Loan loss allowance to noncurrent loans | 80.4979% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 4,177 |
| Noncurrent loans to loans | 3.3326% | 2,069 |
| Net loans and leases to total assets | 38.3558% | 6,752 |
| Net loans and leases to deposits | 46.5826% | 6,714 |
| Net loans and leases to core deposits | 49.9191% | 6,673 |
| Total domestic deposits to total assets | 82.3394% | 4,958 |
| Equity capital to assets | 14.6521% | 950 |
| Core capital (leverage) ratio | 13.8466% | 939 |
| Tier 1 risk-based capital ratio | 28.8134% | 604 |
| Total risk-based capital ratio | 30.0749% | 593 |
| Memoranda: | ||
| Average total assets | $91,135,000 | 5,196 |
| Average earning assets | $80,547,750 | 5,260 |
| Average equity | $12,653,750 | 4,416 |
| Average total loans | $34,779,250 | 5,976 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 3,641 |
| Cost of funding earning assets | 0.4042% | 7,115 |
| Net interest margin | 4.4916% | 1,153 |
| Noninterest income to average assets | 0.5894% | 3,200 |
| Noninterest expense to average assets | 2.7119% | 4,771 |
| Loan and lease loss provision to assets | 0.1496% | 4,443 |
| Net operating income to assets | 1.2405% | 1,459 |
| Return on assets (ROA) | 1.2405% | 1,535 |
| Pretax return on assets | 1.6870% | 1,082 |
| Return on Equity (ROE) | 9.1034% | 2,467 |
| Retained earnings to average equity (ytd only) | 9.1034% | 1,068 |
| Net charge-offs to loans | 0.1515% | 4,277 |
| Credit loss provision to net charge-offs | 261.5385% | 1,163 |
| Earnings coverage of net charge-offs (x) | 32.1154% | 874 |
| Efficiency ratio | 59.6228% | 5,927 |
| Assets per employee ($millions) | 4.1828% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7554% | 1,121 |
| Loan loss allowance to noncurrent loans | 77.9984% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.3682% | 4,170 |
| Noncurrent loans to loans | 3.5326% | 2,004 |
| Net loans and leases to total assets | 37.6616% | 6,879 |
| Net loans and leases to deposits | 45.2701% | 6,864 |
| Net loans and leases to core deposits | 47.8258% | 6,859 |
| Total domestic deposits to total assets | 83.1931% | 4,678 |
| Equity capital to assets | 13.9293% | 1,120 |
| Core capital (leverage) ratio | 13.4980% | 994 |
| Tier 1 risk-based capital ratio | 28.2624% | 645 |
| Total risk-based capital ratio | 29.5245% | 627 |
| Memoranda: | ||
| Average total assets | $90,933,000 | 5,239 |
| Average earning assets | $80,150,000 | 5,318 |
| Average equity | $12,391,000 | 4,451 |
| Average total loans | $34,319,670 | 6,054 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9765% | 3,214 |
| Cost of funding earning assets | 0.3913% | 7,236 |
| Net interest margin | 4.5852% | 887 |
| Noninterest income to average assets | 0.5886% | 3,249 |
| Noninterest expense to average assets | 2.7703% | 4,562 |
| Loan and lease loss provision to assets | 0.1726% | 3,904 |
| Net operating income to assets | 1.2037% | 1,512 |
| Return on assets (ROA) | 1.2037% | 1,559 |
| Pretax return on assets | 1.6905% | 1,004 |
| Return on Equity (ROE) | 8.9345% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.9345% | 1,403 |
| Net charge-offs to loans | 0.2139% | 3,233 |
| Credit loss provision to net charge-offs | 216.6667% | 1,389 |
| Earnings coverage of net charge-offs (x) | 23.3889% | 1,017 |
| Efficiency ratio | 59.7899% | 6,012 |
| Assets per employee ($millions) | 4.1614% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8482% | 1,063 |
| Loan loss allowance to noncurrent loans | 83.7838% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.2529% | 4,440 |
| Noncurrent loans to loans | 3.3994% | 2,203 |
| Net loans and leases to total assets | 35.8052% | 7,013 |
| Net loans and leases to deposits | 42.7107% | 7,001 |
| Net loans and leases to core deposits | 45.5506% | 6,987 |
| Total domestic deposits to total assets | 83.8320% | 4,554 |
| Equity capital to assets | 13.4242% | 1,212 |
| Core capital (leverage) ratio | 13.4820% | 973 |
| Tier 1 risk-based capital ratio | 28.0756% | 627 |
| Total risk-based capital ratio | 29.3387% | 616 |
| Memoranda: | ||
| Average total assets | $90,388,500 | 5,276 |
| Average earning assets | $79,735,500 | 5,369 |
| Average equity | $12,177,500 | 4,511 |
| Average total loans | $33,660,000 | 6,144 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 4,710 |
| Cost of funding earning assets | 0.3901% | 7,432 |
| Net interest margin | 4.5771% | 1,057 |
| Noninterest income to average assets | 0.6010% | 3,470 |
| Noninterest expense to average assets | 3.8747% | 1,357 |
| Loan and lease loss provision to assets | 0.9016% | 1,815 |
| Net operating income to assets | 0.0535% | 5,690 |
| Return on assets (ROA) | 0.0535% | 5,836 |
| Pretax return on assets | -0.0915% | 5,990 |
| Return on Equity (ROE) | 0.3550% | 5,870 |
| Retained earnings to average equity (ytd only) | 0.3550% | 5,399 |
| Net charge-offs to loans | 0.1146% | 5,731 |
| Credit loss provision to net charge-offs | 2,108.3333% | 109 |
| Earnings coverage of net charge-offs (x) | 18.9444% | 1,086 |
| Efficiency ratio | 82.7079% | 2,082 |
| Assets per employee ($millions) | 4.0557% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7994% | 1,056 |
| Loan loss allowance to noncurrent loans | 80.8255% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.3034% | 4,425 |
| Noncurrent loans to loans | 3.4635% | 2,186 |
| Net loans and leases to total assets | 36.5801% | 7,131 |
| Net loans and leases to deposits | 43.7122% | 7,128 |
| Net loans and leases to core deposits | 46.3214% | 7,131 |
| Total domestic deposits to total assets | 83.6841% | 4,510 |
| Equity capital to assets | 13.5218% | 1,172 |
| Core capital (leverage) ratio | 13.4974% | 976 |
| Tier 1 risk-based capital ratio | 27.8626% | 618 |
| Total risk-based capital ratio | 29.1236% | 600 |
| Memoranda: | ||
| Average total assets | $84,187,200 | 5,464 |
| Average earning assets | $75,113,600 | 5,507 |
| Average equity | $12,675,400 | 4,438 |
| Average total loans | $31,406,600 | 6,342 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 4,820 |
| Cost of funding earning assets | 0.3953% | 7,573 |
| Net interest margin | 4.6030% | 1,038 |
| Noninterest income to average assets | 0.6110% | 3,374 |
| Noninterest expense to average assets | 2.9053% | 4,067 |
| Loan and lease loss provision to assets | 0.2106% | 4,960 |
| Net operating income to assets | 1.1415% | 1,760 |
| Return on assets (ROA) | 1.1415% | 1,870 |
| Pretax return on assets | 1.6142% | 1,313 |
| Return on Equity (ROE) | 7.3795% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.3795% | 1,656 |
| Net charge-offs to loans | 0.1296% | 5,254 |
| Credit loss provision to net charge-offs | 436.6667% | 689 |
| Earnings coverage of net charge-offs (x) | 37.8325% | 717 |
| Efficiency ratio | 61.4208% | 5,717 |
| Assets per employee ($millions) | 3.8640% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 6,594 |
| Loan loss allowance to noncurrent loans | 20.5825% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 1.8175% | 3,723 |
| Noncurrent loans to loans | 4.5908% | 1,557 |
| Net loans and leases to total assets | 39.2151% | 7,119 |
| Net loans and leases to deposits | 48.4422% | 7,068 |
| Net loans and leases to core deposits | 50.9507% | 7,086 |
| Total domestic deposits to total assets | 80.9524% | 5,390 |
| Equity capital to assets | 15.7068% | 729 |
| Core capital (leverage) ratio | 14.4964% | 817 |
| Tier 1 risk-based capital ratio | 30.0366% | 512 |
| Total risk-based capital ratio | 30.7976% | 524 |
| Memoranda: | ||
| Average total assets | $82,927,500 | 5,566 |
| Average earning assets | $74,210,500 | 5,599 |
| Average equity | $12,828,000 | 4,472 |
| Average total loans | $30,863,500 | 6,442 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 5,030 |
| Cost of funding earning assets | 0.3948% | 7,659 |
| Net interest margin | 4.5857% | 1,031 |
| Noninterest income to average assets | 0.6177% | 3,209 |
| Noninterest expense to average assets | 2.8966% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2866% | 1,340 |
| Return on assets (ROA) | 1.2866% | 1,400 |
| Pretax return on assets | 1.8460% | 817 |
| Return on Equity (ROE) | 8.3614% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.3614% | 1,311 |
| Net charge-offs to loans | 0.1470% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 820 |
| Efficiency ratio | 61.0769% | 5,837 |
| Assets per employee ($millions) | 3.8047% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 7,403 |
| Loan loss allowance to noncurrent loans | 15.5626% | 7,128 |
| Noncurrent assets plus other real estate owned to assets | 1.5089% | 4,190 |
| Noncurrent loans to loans | 3.9076% | 1,950 |
| Net loans and leases to total assets | 38.0763% | 7,267 |
| Net loans and leases to deposits | 46.9361% | 7,210 |
| Net loans and leases to core deposits | 50.0031% | 7,207 |
| Total domestic deposits to total assets | 81.1237% | 5,360 |
| Equity capital to assets | 15.6291% | 739 |
| Core capital (leverage) ratio | 14.9143% | 737 |
| Tier 1 risk-based capital ratio | 30.5753% | 478 |
| Total risk-based capital ratio | 31.0572% | 506 |
| Memoranda: | ||
| Average total assets | $82,234,000 | 5,621 |
| Average earning assets | $73,969,000 | 5,642 |
| Average equity | $12,653,330 | 4,509 |
| Average total loans | $29,933,330 | 6,531 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 4,690 |
| Cost of funding earning assets | 0.3982% | 7,775 |
| Net interest margin | 4.6692% | 835 |
| Noninterest income to average assets | 0.6429% | 2,973 |
| Noninterest expense to average assets | 2.8908% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3890% | 1,098 |
| Return on assets (ROA) | 1.3890% | 1,173 |
| Pretax return on assets | 1.9534% | 663 |
| Return on Equity (ROE) | 9.1004% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.1004% | 1,371 |
| Net charge-offs to loans | 0.1940% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 906 |
| Efficiency ratio | 59.6758% | 6,231 |
| Assets per employee ($millions) | 3.7135% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 7,395 |
| Loan loss allowance to noncurrent loans | 115.3409% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 6,889 |
| Noncurrent loans to loans | 0.5825% | 6,141 |
| Net loans and leases to total assets | 36.7357% | 7,400 |
| Net loans and leases to deposits | 45.0915% | 7,363 |
| Net loans and leases to core deposits | 47.9081% | 7,369 |
| Total domestic deposits to total assets | 81.4693% | 5,282 |
| Equity capital to assets | 15.4767% | 772 |
| Core capital (leverage) ratio | 14.9053% | 766 |
| Tier 1 risk-based capital ratio | 30.9825% | 475 |
| Total risk-based capital ratio | 31.5012% | 503 |
| Memoranda: | ||
| Average total assets | $81,499,500 | 5,724 |
| Average earning assets | $73,332,000 | 5,733 |
| Average equity | $12,439,000 | 4,605 |
| Average total loans | $28,867,000 | 6,663 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 6,392 |
| Cost of funding earning assets | 0.6226% | 7,761 |
| Net interest margin | 4.3912% | 1,457 |
| Noninterest income to average assets | 0.7482% | 2,689 |
| Noninterest expense to average assets | 4.1707% | 1,129 |
| Loan and lease loss provision to assets | 0.1486% | 6,174 |
| Net operating income to assets | 0.2849% | 4,591 |
| Return on assets (ROA) | 0.2849% | 4,678 |
| Pretax return on assets | 0.3605% | 4,612 |
| Return on Equity (ROE) | 1.8322% | 4,971 |
| Retained earnings to average equity (ytd only) | 1.8322% | 3,817 |
| Net charge-offs to loans | 0.2237% | 5,226 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 6.8500% | 2,276 |
| Efficiency ratio | 89.1212% | 1,781 |
| Assets per employee ($millions) | 3.6955% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 7,166 |
| Loan loss allowance to noncurrent loans | 86.1111% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 6,634 |
| Noncurrent loans to loans | 0.9157% | 5,479 |
| Net loans and leases to total assets | 33.5810% | 7,609 |
| Net loans and leases to deposits | 40.9190% | 7,598 |
| Net loans and leases to core deposits | 49.9195% | 7,590 |
| Total domestic deposits to total assets | 82.0669% | 4,917 |
| Equity capital to assets | 15.0476% | 898 |
| Core capital (leverage) ratio | 14.9718% | 795 |
| Tier 1 risk-based capital ratio | 31.7924% | 448 |
| Total risk-based capital ratio | 32.3750% | 472 |
| Memoranda: | ||
| Average total assets | $80,730,000 | 5,709 |
| Average earning assets | $72,280,400 | 5,746 |
| Average equity | $12,553,200 | 4,618 |
| Average total loans | $26,825,800 | 6,814 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 6,529 |
| Cost of funding earning assets | 0.6943% | 7,818 |
| Net interest margin | 4.3321% | 1,636 |
| Noninterest income to average assets | 0.8008% | 2,431 |
| Noninterest expense to average assets | 3.0591% | 3,808 |
| Loan and lease loss provision to assets | 0.0745% | 6,612 |
| Net operating income to assets | 1.1234% | 1,660 |
| Return on assets (ROA) | 1.1234% | 1,728 |
| Pretax return on assets | 1.5387% | 1,304 |
| Return on Equity (ROE) | 7.1662% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.1662% | 1,440 |
| Net charge-offs to loans | 0.2601% | 4,422 |
| Credit loss provision to net charge-offs | 86.5385% | 5,577 |
| Earnings coverage of net charge-offs (x) | 18.7505% | 1,334 |
| Efficiency ratio | 65.4745% | 5,461 |
| Assets per employee ($millions) | 3.7087% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5247% | 7,679 |
| Loan loss allowance to noncurrent loans | 186.2500% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 7,146 |
| Noncurrent loans to loans | 0.2817% | 6,808 |
| Net loans and leases to total assets | 36.2690% | 7,612 |
| Net loans and leases to deposits | 45.3490% | 7,587 |
| Net loans and leases to core deposits | 57.0025% | 7,511 |
| Total domestic deposits to total assets | 79.9774% | 5,446 |
| Equity capital to assets | 16.6727% | 675 |
| Core capital (leverage) ratio | 15.5258% | 755 |
| Tier 1 risk-based capital ratio | 32.8092% | 450 |
| Total risk-based capital ratio | 33.2070% | 464 |
| Memoranda: | ||
| Average total assets | $80,587,000 | 5,743 |
| Average earning assets | $72,018,500 | 5,785 |
| Average equity | $12,633,000 | 4,626 |
| Average total loans | $26,652,500 | 6,875 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 6,888 |
| Cost of funding earning assets | 0.7764% | 7,848 |
| Net interest margin | 4.1875% | 2,039 |
| Noninterest income to average assets | 0.8934% | 2,012 |
| Noninterest expense to average assets | 2.9624% | 4,241 |
| Loan and lease loss provision to assets | 0.0736% | 6,457 |
| Net operating income to assets | 1.1634% | 1,578 |
| Return on assets (ROA) | 1.1634% | 1,658 |
| Pretax return on assets | 1.5904% | 1,227 |
| Return on Equity (ROE) | 7.5745% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.5745% | 1,363 |
| Net charge-offs to loans | 0.1227% | 4,936 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 42.3750% | 779 |
| Efficiency ratio | 64.0318% | 5,909 |
| Assets per employee ($millions) | 3.7823% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 7,581 |
| Loan loss allowance to noncurrent loans | 78.7037% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 6,795 |
| Noncurrent loans to loans | 0.7978% | 5,638 |
| Net loans and leases to total assets | 33.8705% | 7,782 |
| Net loans and leases to deposits | 41.9291% | 7,757 |
| Net loans and leases to core deposits | 51.9052% | 7,713 |
| Total domestic deposits to total assets | 80.7803% | 5,156 |
| Equity capital to assets | 15.9413% | 841 |
| Core capital (leverage) ratio | 14.8721% | 948 |
| Tier 1 risk-based capital ratio | 32.9113% | 467 |
| Total risk-based capital ratio | 33.3742% | 484 |
| Memoranda: | ||
| Average total assets | $81,488,670 | 5,742 |
| Average earning assets | $72,645,000 | 5,802 |
| Average equity | $12,515,670 | 4,674 |
| Average total loans | $26,071,330 | 6,962 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 7,220 |
| Cost of funding earning assets | 0.8806% | 7,833 |
| Net interest margin | 3.9984% | 2,651 |
| Noninterest income to average assets | 0.5768% | 3,714 |
| Noninterest expense to average assets | 2.8212% | 4,476 |
| Loan and lease loss provision to assets | 0.0727% | 6,048 |
| Net operating income to assets | 0.9162% | 2,631 |
| Return on assets (ROA) | 0.9162% | 2,773 |
| Pretax return on assets | 1.2264% | 2,526 |
| Return on Equity (ROE) | 6.0759% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.0759% | 2,588 |
| Net charge-offs to loans | 0.0939% | 4,240 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 782 |
| Efficiency ratio | 68.4706% | 4,873 |
| Assets per employee ($millions) | 3.9676% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6197% | 7,626 |
| Loan loss allowance to noncurrent loans | 194.1176% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 7,283 |
| Noncurrent loans to loans | 0.3192% | 6,643 |
| Net loans and leases to total assets | 31.7571% | 7,871 |
| Net loans and leases to deposits | 38.7374% | 7,880 |
| Net loans and leases to core deposits | 48.2591% | 7,829 |
| Total domestic deposits to total assets | 81.9803% | 4,554 |
| Equity capital to assets | 15.0360% | 1,091 |
| Core capital (leverage) ratio | 14.5601% | 1,068 |
| Tier 1 risk-based capital ratio | 31.3681% | 566 |
| Total risk-based capital ratio | 31.8067% | 582 |
| Memoranda: | ||
| Average total assets | $82,518,500 | 5,721 |
| Average earning assets | $73,129,000 | 5,808 |
| Average equity | $12,442,500 | 4,721 |
| Average total loans | $25,570,500 | 7,021 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3151% | 7,582 |
| Cost of funding earning assets | 1.2626% | 7,878 |
| Net interest margin | 4.0525% | 2,905 |
| Noninterest income to average assets | 0.6243% | 3,680 |
| Noninterest expense to average assets | 3.8742% | 1,610 |
| Loan and lease loss provision to assets | 0.1274% | 5,735 |
| Net operating income to assets | 0.1847% | 5,894 |
| Return on assets (ROA) | 0.1847% | 5,722 |
| Pretax return on assets | 0.1516% | 5,839 |
| Return on Equity (ROE) | 1.1897% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.1897% | 4,519 |
| Net charge-offs to loans | 0.1802% | 4,392 |
| Credit loss provision to net charge-offs | 256.4103% | 1,813 |
| Earnings coverage of net charge-offs (x) | 5.6154% | 3,583 |
| Efficiency ratio | 93.2822% | 1,314 |
| Assets per employee ($millions) | 3.7144% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6363% | 7,595 |
| Loan loss allowance to noncurrent loans | 70.9091% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 6,301 |
| Noncurrent loans to loans | 0.8974% | 4,831 |
| Net loans and leases to total assets | 29.8102% | 7,990 |
| Net loans and leases to deposits | 36.3761% | 8,016 |
| Net loans and leases to core deposits | 43.5747% | 8,003 |
| Total domestic deposits to total assets | 81.9499% | 4,225 |
| Equity capital to assets | 15.1217% | 1,128 |
| Core capital (leverage) ratio | 14.6490% | 1,106 |
| Tier 1 risk-based capital ratio | 32.0694% | 547 |
| Total risk-based capital ratio | 32.5002% | 572 |
| Memoranda: | ||
| Average total assets | $78,492,800 | 5,749 |
| Average earning assets | $68,352,200 | 5,881 |
| Average equity | $12,188,000 | 4,781 |
| Average total loans | $21,640,800 | 7,217 |