Home > Bank of Gueydan > Performance and Condition Ratios
Bank of Gueydan, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 4,323 |
| Cost of funding earning assets | 0.6613% | 4,220 |
| Net interest margin | 3.2195% | 2,970 |
| Noninterest income to average assets | 0.2900% | 2,950 |
| Noninterest expense to average assets | 2.2580% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1430% | 1,879 |
| Return on assets (ROA) | 1.1430% | 1,876 |
| Pretax return on assets | 1.1430% | 2,380 |
| Return on Equity (ROE) | 5.4600% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.4626% | 2,442 |
| Net charge-offs to loans | 0.9726% | 166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 3.1875% | 2,031 |
| Efficiency ratio | 66.3921% | 2,200 |
| Assets per employee ($millions) | 7.9989% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3584% | 71 |
| Loan loss allowance to noncurrent loans | 70.4097% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 2.7462% | 114 |
| Noncurrent loans to loans | 7.6103% | 24 |
| Net loans and leases to total assets | 34.1500% | 4,122 |
| Net loans and leases to deposits | 43.7395% | 4,046 |
| Net loans and leases to core deposits | 47.5837% | 4,031 |
| Total domestic deposits to total assets | 78.0800% | 3,808 |
| Equity capital to assets | 20.8918% | 258 |
| Core capital (leverage) ratio | 21.0668% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $71,391,500 | 4,028 |
| Average earning assets | $68,955,500 | 3,981 |
| Average equity | $14,938,000 | 3,382 |
| Average total loans | $26,321,500 | 4,138 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 4,418 |
| Cost of funding earning assets | 0.6438% | 4,256 |
| Net interest margin | 2.8294% | 3,436 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 1.8468% | 3,882 |
| Loan and lease loss provision to assets | 2.2900% | 28 |
| Net operating income to assets | -1.2586% | 4,410 |
| Return on assets (ROA) | -1.3147% | 4,448 |
| Pretax return on assets | -1.1437% | 4,436 |
| Return on Equity (ROE) | -6.1300% | 4,371 |
| Retained earnings to average equity (ytd only) | -6.1254% | 4,324 |
| Net charge-offs to loans | 3.3477% | 55 |
| Credit loss provision to net charge-offs | 200.2392% | 1,130 |
| Earnings coverage of net charge-offs (x) | 1.0514% | 2,938 |
| Efficiency ratio | 60.5653% | 3,099 |
| Assets per employee ($millions) | 7.8659% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4566% | 75 |
| Loan loss allowance to noncurrent loans | 52.9862% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 3.8789% | 44 |
| Noncurrent loans to loans | 10.2981% | 16 |
| Net loans and leases to total assets | 35.6100% | 4,121 |
| Net loans and leases to deposits | 45.7034% | 4,028 |
| Net loans and leases to core deposits | 49.8241% | 4,018 |
| Total domestic deposits to total assets | 77.9200% | 3,787 |
| Equity capital to assets | 20.9569% | 250 |
| Core capital (leverage) ratio | 20.5835% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $73,098,800 | 4,019 |
| Average earning assets | $70,367,600 | 3,970 |
| Average equity | $15,688,800 | 3,280 |
| Average total loans | $24,972,600 | 4,156 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 4,466 |
| Cost of funding earning assets | 0.6346% | 4,287 |
| Net interest margin | 2.7190% | 3,574 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 2.0594% | 3,425 |
| Loan and lease loss provision to assets | 0.5300% | 163 |
| Net operating income to assets | 0.2986% | 3,865 |
| Return on assets (ROA) | 0.2715% | 3,934 |
| Pretax return on assets | 0.3565% | 3,879 |
| Return on Equity (ROE) | 1.2600% | 4,105 |
| Retained earnings to average equity (ytd only) | 1.2577% | 3,651 |
| Net charge-offs to loans | 0.6300% | 209 |
| Credit loss provision to net charge-offs | 250.8621% | 944 |
| Earnings coverage of net charge-offs (x) | 4.3707% | 2,449 |
| Efficiency ratio | 69.1793% | 2,124 |
| Assets per employee ($millions) | 8.1512% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0080% | 154 |
| Loan loss allowance to noncurrent loans | 28.1951% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 3.8290% | 50 |
| Noncurrent loans to loans | 10.6684% | 18 |
| Net loans and leases to total assets | 34.8100% | 4,163 |
| Net loans and leases to deposits | 45.3219% | 4,077 |
| Net loans and leases to core deposits | 49.2717% | 4,064 |
| Total domestic deposits to total assets | 76.8100% | 3,861 |
| Equity capital to assets | 21.7391% | 231 |
| Core capital (leverage) ratio | 21.7157% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $73,675,250 | 4,028 |
| Average earning assets | $70,808,250 | 3,984 |
| Average equity | $15,902,000 | 3,258 |
| Average total loans | $24,549,500 | 4,184 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 4,473 |
| Cost of funding earning assets | 0.6223% | 4,296 |
| Net interest margin | 2.7651% | 3,474 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 1.9030% | 3,758 |
| Loan and lease loss provision to assets | 0.4300% | 213 |
| Net operating income to assets | 0.4744% | 3,497 |
| Return on assets (ROA) | 0.4744% | 3,534 |
| Pretax return on assets | 0.5855% | 3,479 |
| Return on Equity (ROE) | 2.2000% | 3,995 |
| Retained earnings to average equity (ytd only) | 2.2031% | 3,285 |
| Net charge-offs to loans | 0.5009% | 250 |
| Credit loss provision to net charge-offs | 261.6667% | 875 |
| Earnings coverage of net charge-offs (x) | 6.2167% | 2,167 |
| Efficiency ratio | 65.3023% | 2,620 |
| Assets per employee ($millions) | 8.1689% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7735% | 178 |
| Loan loss allowance to noncurrent loans | 74.3483% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.3044% | 412 |
| Noncurrent loans to loans | 3.7304% | 113 |
| Net loans and leases to total assets | 34.0000% | 4,196 |
| Net loans and leases to deposits | 43.9341% | 4,110 |
| Net loans and leases to core deposits | 47.3947% | 4,105 |
| Total domestic deposits to total assets | 77.3800% | 3,773 |
| Equity capital to assets | 21.7247% | 234 |
| Core capital (leverage) ratio | 21.6405% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $73,780,000 | 4,048 |
| Average earning assets | $71,028,667 | 3,997 |
| Average equity | $15,886,667 | 3,247 |
| Average total loans | $23,956,000 | 4,210 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1579% | 4,527 |
| Cost of funding earning assets | 0.6090% | 4,309 |
| Net interest margin | 2.5489% | 3,796 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 2.1161% | 3,269 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.4654% | 3,479 |
| Return on assets (ROA) | 0.4654% | 3,505 |
| Pretax return on assets | 0.5791% | 3,427 |
| Return on Equity (ROE) | 2.1700% | 3,975 |
| Retained earnings to average equity (ytd only) | 2.1712% | 3,191 |
| Net charge-offs to loans | 0.7452% | 129 |
| Credit loss provision to net charge-offs | 25.5814% | 1,501 |
| Earnings coverage of net charge-offs (x) | 2.7442% | 1,975 |
| Efficiency ratio | 76.8173% | 1,470 |
| Assets per employee ($millions) | 8.2326% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9222% | 133 |
| Loan loss allowance to noncurrent loans | 72.0464% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.2795% | 398 |
| Noncurrent loans to loans | 4.0560% | 93 |
| Net loans and leases to total assets | 30.6200% | 4,266 |
| Net loans and leases to deposits | 39.3541% | 4,195 |
| Net loans and leases to core deposits | 42.6825% | 4,231 |
| Total domestic deposits to total assets | 77.8200% | 3,820 |
| Equity capital to assets | 21.3650% | 243 |
| Core capital (leverage) ratio | 21.4179% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $73,910,000 | 4,071 |
| Average earning assets | $70,932,500 | 4,022 |
| Average equity | $15,844,000 | 3,257 |
| Average total loans | $23,080,000 | 4,245 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0561% | 4,512 |
| Cost of funding earning assets | 0.2894% | 4,382 |
| Net interest margin | 2.7667% | 3,723 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.5935% | 4,254 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9482% | 2,375 |
| Return on assets (ROA) | 0.9290% | 2,427 |
| Pretax return on assets | 1.1693% | 2,219 |
| Return on Equity (ROE) | 4.5700% | 3,803 |
| Retained earnings to average equity (ytd only) | 0.6783% | 3,907 |
| Net charge-offs to loans | -0.1477% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.4253% | 3,454 |
| Assets per employee ($millions) | 8.1919% | 1,338 |
| Cash dividends to net income (ytd only)* | 85.1444% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7077% | 156 |
| Loan loss allowance to noncurrent loans | 61.5155% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.3604% | 293 |
| Noncurrent loans to loans | 4.4016% | 68 |
| Net loans and leases to total assets | 30.0700% | 4,285 |
| Net loans and leases to deposits | 39.0530% | 4,218 |
| Net loans and leases to core deposits | 42.1067% | 4,255 |
| Total domestic deposits to total assets | 77.0000% | 3,847 |
| Equity capital to assets | 21.5091% | 255 |
| Core capital (leverage) ratio | 20.9250% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $78,255,000 | 4,031 |
| Average earning assets | $74,638,600 | 3,984 |
| Average equity | $15,922,000 | 3,189 |
| Average total loans | $20,991,600 | 4,281 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8233% | 4,556 |
| Cost of funding earning assets | 0.2138% | 4,436 |
| Net interest margin | 2.6095% | 4,019 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.7635% | 4,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7087% | 3,299 |
| Return on assets (ROA) | 0.7087% | 3,283 |
| Pretax return on assets | 0.9069% | 3,086 |
| Return on Equity (ROE) | 3.5300% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.5303% | 3,378 |
| Net charge-offs to loans | -0.4219% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.0377% | 2,272 |
| Assets per employee ($millions) | 8.6492% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7502% | 156 |
| Loan loss allowance to noncurrent loans | 78.0151% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0226% | 495 |
| Noncurrent loans to loans | 3.5252% | 104 |
| Net loans and leases to total assets | 28.2100% | 4,344 |
| Net loans and leases to deposits | 36.6643% | 4,279 |
| Net loans and leases to core deposits | 39.9356% | 4,260 |
| Total domestic deposits to total assets | 76.9400% | 3,932 |
| Equity capital to assets | 20.7751% | 266 |
| Core capital (leverage) ratio | 20.7073% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $79,387,000 | 4,036 |
| Average earning assets | $75,466,500 | 3,992 |
| Average equity | $15,938,000 | 3,177 |
| Average total loans | $20,542,750 | 4,299 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8250% | 4,583 |
| Cost of funding earning assets | 0.1320% | 4,493 |
| Net interest margin | 2.6930% | 3,983 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.7797% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7434% | 3,236 |
| Return on assets (ROA) | 0.7434% | 3,254 |
| Pretax return on assets | 0.9637% | 3,010 |
| Return on Equity (ROE) | 3.7500% | 4,061 |
| Retained earnings to average equity (ytd only) | 3.7453% | 3,269 |
| Net charge-offs to loans | -0.8256% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.8723% | 2,389 |
| Assets per employee ($millions) | 8.7057% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2350% | 115 |
| Loan loss allowance to noncurrent loans | 72.6136% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 384 |
| Noncurrent loans to loans | 4.4550% | 67 |
| Net loans and leases to total assets | 24.4000% | 4,414 |
| Net loans and leases to deposits | 30.9178% | 4,388 |
| Net loans and leases to core deposits | 33.6870% | 4,365 |
| Total domestic deposits to total assets | 78.9000% | 3,732 |
| Equity capital to assets | 20.4822% | 269 |
| Core capital (leverage) ratio | 20.2315% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $79,901,667 | 4,049 |
| Average earning assets | $75,752,667 | 4,007 |
| Average equity | $15,860,000 | 3,201 |
| Average total loans | $19,863,667 | 4,328 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5412% | 4,634 |
| Cost of funding earning assets | 0.1255% | 4,501 |
| Net interest margin | 2.4157% | 4,374 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.5816% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7437% | 3,361 |
| Return on assets (ROA) | 0.7437% | 3,319 |
| Pretax return on assets | 0.9321% | 3,164 |
| Return on Equity (ROE) | 3.8100% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.8057% | 3,324 |
| Net charge-offs to loans | -0.2209% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9191% | 2,579 |
| Assets per employee ($millions) | 9.0068% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9079% | 143 |
| Loan loss allowance to noncurrent loans | 67.2986% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 389 |
| Noncurrent loans to loans | 4.3209% | 77 |
| Net loans and leases to total assets | 23.4000% | 4,486 |
| Net loans and leases to deposits | 29.3154% | 4,459 |
| Net loans and leases to core deposits | 31.8135% | 4,430 |
| Total domestic deposits to total assets | 79.8100% | 3,788 |
| Equity capital to assets | 19.6161% | 244 |
| Core capital (leverage) ratio | 20.1383% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $80,677,000 | 4,092 |
| Average earning assets | $76,498,500 | 4,047 |
| Average equity | $15,766,000 | 3,237 |
| Average total loans | $19,919,000 | 4,390 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4435% | 4,521 |
| Cost of funding earning assets | 0.1303% | 4,228 |
| Net interest margin | 2.3132% | 4,420 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.7044% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6605% | 3,733 |
| Return on assets (ROA) | 0.6525% | 3,702 |
| Pretax return on assets | 0.8088% | 3,605 |
| Return on Equity (ROE) | 3.3400% | 4,257 |
| Retained earnings to average equity (ytd only) | 0.1270% | 4,321 |
| Net charge-offs to loans | -0.0159% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.5516% | 2,016 |
| Assets per employee ($millions) | 8.0293% | 1,306 |
| Cash dividends to net income (ytd only)* | 96.1977% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7432% | 165 |
| Loan loss allowance to noncurrent loans | 86.8955% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 591 |
| Noncurrent loans to loans | 3.1569% | 132 |
| Net loans and leases to total assets | 24.5900% | 4,497 |
| Net loans and leases to deposits | 31.1144% | 4,449 |
| Net loans and leases to core deposits | 33.9669% | 4,416 |
| Total domestic deposits to total assets | 79.0500% | 4,000 |
| Equity capital to assets | 19.4675% | 238 |
| Core capital (leverage) ratio | 19.6189% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $80,613,800 | 4,124 |
| Average earning assets | $76,734,000 | 4,079 |
| Average equity | $15,753,600 | 3,299 |
| Average total loans | $18,909,400 | 4,428 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3809% | 4,504 |
| Cost of funding earning assets | 0.1300% | 4,035 |
| Net interest margin | 2.2509% | 4,434 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.7035% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6667% | 3,654 |
| Return on assets (ROA) | 0.6560% | 3,637 |
| Pretax return on assets | 0.8113% | 3,554 |
| Return on Equity (ROE) | 3.3500% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.3535% | 3,685 |
| Net charge-offs to loans | 0.0216% | 1,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 166.3333% | 705 |
| Efficiency ratio | 67.3856% | 2,102 |
| Assets per employee ($millions) | 7.2729% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7443% | 173 |
| Loan loss allowance to noncurrent loans | 107.4074% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 827 |
| Noncurrent loans to loans | 2.5550% | 206 |
| Net loans and leases to total assets | 24.4100% | 4,535 |
| Net loans and leases to deposits | 30.7101% | 4,489 |
| Net loans and leases to core deposits | 33.8247% | 4,446 |
| Total domestic deposits to total assets | 79.4800% | 4,145 |
| Equity capital to assets | 20.0095% | 217 |
| Core capital (leverage) ratio | 19.8986% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $80,694,000 | 4,152 |
| Average earning assets | $76,944,250 | 4,104 |
| Average equity | $15,784,250 | 3,337 |
| Average total loans | $18,560,500 | 4,466 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3041% | 4,517 |
| Cost of funding earning assets | 0.1273% | 3,875 |
| Net interest margin | 2.1768% | 4,468 |
| Noninterest income to average assets | 0.1730% | 4,139 |
| Noninterest expense to average assets | 1.6336% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4992% | 3,893 |
| Return on assets (ROA) | 0.4992% | 3,847 |
| Pretax return on assets | 0.6104% | 3,796 |
| Return on Equity (ROE) | 2.5717% | 4,282 |
| Retained earnings to average equity (ytd only) | 2.5717% | 3,595 |
| Net charge-offs to loans | 0.0997% | 593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 27.4444% | 1,430 |
| Efficiency ratio | 72.7974% | 1,653 |
| Assets per employee ($millions) | 7.3471% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9534% | 147 |
| Loan loss allowance to noncurrent loans | 311.4286% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 2,235 |
| Noncurrent loans to loans | 0.9484% | 881 |
| Net loans and leases to total assets | 22.1584% | 4,629 |
| Net loans and leases to deposits | 27.7076% | 4,588 |
| Net loans and leases to core deposits | 30.4656% | 4,554 |
| Total domestic deposits to total assets | 79.9723% | 4,231 |
| Equity capital to assets | 19.5662% | 177 |
| Core capital (leverage) ratio | 19.0383% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,924,667 | 4,191 |
| Average earning assets | $76,993,333 | 4,157 |
| Average equity | $15,709,667 | 3,429 |
| Average total loans | $18,054,667 | 4,533 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2520% | 4,497 |
| Cost of funding earning assets | 0.1245% | 3,841 |
| Net interest margin | 2.1274% | 4,418 |
| Noninterest income to average assets | 0.1926% | 4,006 |
| Noninterest expense to average assets | 1.6548% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4594% | 3,818 |
| Return on assets (ROA) | 0.4594% | 3,779 |
| Pretax return on assets | 0.5631% | 3,724 |
| Return on Equity (ROE) | 2.3758% | 4,199 |
| Retained earnings to average equity (ytd only) | 2.3758% | 3,441 |
| Net charge-offs to loans | -0.2912% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6102% | 1,672 |
| Assets per employee ($millions) | 8.3029% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2391% | 127 |
| Loan loss allowance to noncurrent loans | 289.2857% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 2,226 |
| Noncurrent loans to loans | 1.1197% | 795 |
| Net loans and leases to total assets | 20.4001% | 4,663 |
| Net loans and leases to deposits | 25.2674% | 4,650 |
| Net loans and leases to core deposits | 27.7955% | 4,614 |
| Total domestic deposits to total assets | 80.7369% | 4,225 |
| Equity capital to assets | 18.9139% | 198 |
| Core capital (leverage) ratio | 19.5808% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,978,000 | 4,213 |
| Average earning assets | $77,088,000 | 4,170 |
| Average equity | $15,658,000 | 3,499 |
| Average total loans | $17,855,500 | 4,551 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3640% | 4,556 |
| Cost of funding earning assets | 0.1482% | 3,994 |
| Net interest margin | 2.2157% | 4,475 |
| Noninterest income to average assets | 0.1588% | 4,352 |
| Noninterest expense to average assets | 1.5731% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5620% | 3,955 |
| Return on assets (ROA) | 0.5620% | 4,004 |
| Pretax return on assets | 0.6811% | 3,968 |
| Return on Equity (ROE) | 2.8764% | 4,382 |
| Retained earnings to average equity (ytd only) | 0.0190% | 4,481 |
| Net charge-offs to loans | -0.0683% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7854% | 1,761 |
| Assets per employee ($millions) | 7.8927% | 1,389 |
| Cash dividends to net income (ytd only)* | 99.3377% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0430% | 142 |
| Loan loss allowance to noncurrent loans | 239.8268% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 2,079 |
| Noncurrent loans to loans | 1.2688% | 761 |
| Net loans and leases to total assets | 22.3650% | 4,686 |
| Net loans and leases to deposits | 28.1864% | 4,658 |
| Net loans and leases to core deposits | 30.9234% | 4,627 |
| Total domestic deposits to total assets | 79.3467% | 4,278 |
| Equity capital to assets | 19.7803% | 186 |
| Core capital (leverage) ratio | 19.4841% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,606,000 | 4,212 |
| Average earning assets | $76,227,400 | 4,183 |
| Average equity | $15,748,600 | 3,566 |
| Average total loans | $17,572,400 | 4,605 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3774% | 4,640 |
| Cost of funding earning assets | 0.1532% | 4,081 |
| Net interest margin | 2.2242% | 4,553 |
| Noninterest income to average assets | 0.1530% | 4,429 |
| Noninterest expense to average assets | 1.5682% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5677% | 4,067 |
| Return on assets (ROA) | 0.5677% | 4,112 |
| Pretax return on assets | 0.6878% | 4,082 |
| Return on Equity (ROE) | 2.9145% | 4,478 |
| Retained earnings to average equity (ytd only) | 2.9145% | 3,937 |
| Net charge-offs to loans | -0.0689% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5113% | 1,652 |
| Assets per employee ($millions) | 8.0437% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9972% | 153 |
| Loan loss allowance to noncurrent loans | 249.3213% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 2,407 |
| Noncurrent loans to loans | 1.2021% | 925 |
| Net loans and leases to total assets | 22.1701% | 4,766 |
| Net loans and leases to deposits | 27.8145% | 4,742 |
| Net loans and leases to core deposits | 30.5083% | 4,719 |
| Total domestic deposits to total assets | 79.7071% | 4,268 |
| Equity capital to assets | 19.8342% | 202 |
| Core capital (leverage) ratio | 19.7742% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,025,750 | 4,252 |
| Average earning assets | $76,609,500 | 4,228 |
| Average equity | $15,782,750 | 3,606 |
| Average total loans | $17,414,000 | 4,674 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3676% | 4,687 |
| Cost of funding earning assets | 0.1641% | 4,093 |
| Net interest margin | 2.2035% | 4,598 |
| Noninterest income to average assets | 0.1601% | 4,397 |
| Noninterest expense to average assets | 1.5636% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5663% | 4,057 |
| Return on assets (ROA) | 0.5663% | 4,107 |
| Pretax return on assets | 0.6796% | 4,106 |
| Return on Equity (ROE) | 2.9252% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.9252% | 3,860 |
| Net charge-offs to loans | -0.1170% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7036% | 1,682 |
| Assets per employee ($millions) | 8.1286% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0929% | 135 |
| Loan loss allowance to noncurrent loans | 270.0980% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 2,669 |
| Noncurrent loans to loans | 1.1451% | 1,057 |
| Net loans and leases to total assets | 21.2386% | 4,820 |
| Net loans and leases to deposits | 26.5143% | 4,808 |
| Net loans and leases to core deposits | 28.7949% | 4,791 |
| Total domestic deposits to total assets | 80.1024% | 4,222 |
| Equity capital to assets | 19.4855% | 211 |
| Core capital (leverage) ratio | 19.1575% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,222,000 | 4,272 |
| Average earning assets | $76,787,333 | 4,248 |
| Average equity | $15,725,667 | 3,612 |
| Average total loans | $17,090,667 | 4,714 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4093% | 4,709 |
| Cost of funding earning assets | 0.1773% | 4,100 |
| Net interest margin | 2.2320% | 4,589 |
| Noninterest income to average assets | 0.1872% | 4,258 |
| Noninterest expense to average assets | 1.5864% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5912% | 3,963 |
| Return on assets (ROA) | 0.5912% | 4,026 |
| Pretax return on assets | 0.7094% | 3,997 |
| Return on Equity (ROE) | 3.0634% | 4,461 |
| Retained earnings to average equity (ytd only) | 3.0634% | 3,763 |
| Net charge-offs to loans | -0.1196% | 4,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0987% | 1,805 |
| Assets per employee ($millions) | 8.2633% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2116% | 127 |
| Loan loss allowance to noncurrent loans | 265.0485% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 2,890 |
| Noncurrent loans to loans | 1.2117% | 1,087 |
| Net loans and leases to total assets | 19.9134% | 4,858 |
| Net loans and leases to deposits | 24.7124% | 4,847 |
| Net loans and leases to core deposits | 26.7853% | 4,841 |
| Total domestic deposits to total assets | 80.5804% | 4,130 |
| Equity capital to assets | 19.0348% | 222 |
| Core capital (leverage) ratio | 19.3719% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,190,000 | 4,291 |
| Average earning assets | $76,703,000 | 4,271 |
| Average equity | $15,669,000 | 3,619 |
| Average total loans | $16,728,500 | 4,749 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9010% | 4,704 |
| Cost of funding earning assets | 0.2330% | 4,451 |
| Net interest margin | 2.6680% | 4,422 |
| Noninterest income to average assets | 0.1477% | 4,556 |
| Noninterest expense to average assets | 1.8556% | 4,383 |
| Loan and lease loss provision to assets | -0.0514% | 4,938 |
| Net operating income to assets | 0.7153% | 3,383 |
| Return on assets (ROA) | 0.7153% | 3,514 |
| Pretax return on assets | 0.8578% | 3,488 |
| Return on Equity (ROE) | 3.5374% | 4,260 |
| Retained earnings to average equity (ytd only) | 0.1778% | 4,467 |
| Net charge-offs to loans | -0.4053% | 4,940 |
| Credit loss provision to net charge-offs | 55.5556% | 3,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7057% | 1,986 |
| Assets per employee ($millions) | 7.2492% | 1,420 |
| Cash dividends to net income (ytd only)* | 94.9731% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2936% | 113 |
| Loan loss allowance to noncurrent loans | 222.1311% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 2,773 |
| Noncurrent loans to loans | 1.4827% | 900 |
| Net loans and leases to total assets | 19.9571% | 4,879 |
| Net loans and leases to deposits | 25.1006% | 4,879 |
| Net loans and leases to core deposits | 27.3188% | 4,874 |
| Total domestic deposits to total assets | 79.5087% | 4,139 |
| Equity capital to assets | 19.5684% | 212 |
| Core capital (leverage) ratio | 19.5578% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,871,400 | 4,269 |
| Average earning assets | $73,388,200 | 4,246 |
| Average equity | $15,746,200 | 3,584 |
| Average total loans | $17,766,600 | 4,762 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9665% | 4,755 |
| Cost of funding earning assets | 0.2414% | 4,534 |
| Net interest margin | 2.7251% | 4,438 |
| Noninterest income to average assets | 0.1602% | 4,496 |
| Noninterest expense to average assets | 1.8844% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7045% | 3,442 |
| Return on assets (ROA) | 0.7045% | 3,545 |
| Pretax return on assets | 0.8423% | 3,538 |
| Return on Equity (ROE) | 3.4554% | 4,305 |
| Retained earnings to average equity (ytd only) | 3.4554% | 3,333 |
| Net charge-offs to loans | -0.7442% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1093% | 2,022 |
| Assets per employee ($millions) | 7.2029% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5752% | 84 |
| Loan loss allowance to noncurrent loans | 68.7289% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1220% | 930 |
| Noncurrent loans to loans | 5.2019% | 99 |
| Net loans and leases to total assets | 20.7984% | 4,920 |
| Net loans and leases to deposits | 26.2317% | 4,916 |
| Net loans and leases to core deposits | 28.5459% | 4,906 |
| Total domestic deposits to total assets | 79.2874% | 4,001 |
| Equity capital to assets | 20.1749% | 205 |
| Core capital (leverage) ratio | 20.5249% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,404,000 | 4,282 |
| Average earning assets | $72,901,750 | 4,256 |
| Average equity | $15,781,750 | 3,577 |
| Average total loans | $18,094,250 | 4,782 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0239% | 4,830 |
| Cost of funding earning assets | 0.2409% | 4,650 |
| Net interest margin | 2.7830% | 4,474 |
| Noninterest income to average assets | 0.1667% | 4,457 |
| Noninterest expense to average assets | 1.9220% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7214% | 3,316 |
| Return on assets (ROA) | 0.7214% | 3,424 |
| Pretax return on assets | 0.8620% | 3,425 |
| Return on Equity (ROE) | 3.5255% | 4,236 |
| Retained earnings to average equity (ytd only) | 3.5255% | 3,166 |
| Net charge-offs to loans | -0.9984% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0365% | 2,085 |
| Assets per employee ($millions) | 7.1016% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2199% | 115 |
| Loan loss allowance to noncurrent loans | 66.1538% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 947 |
| Noncurrent loans to loans | 4.8674% | 118 |
| Net loans and leases to total assets | 23.1624% | 4,934 |
| Net loans and leases to deposits | 29.2239% | 4,932 |
| Net loans and leases to core deposits | 31.8399% | 4,920 |
| Total domestic deposits to total assets | 79.2583% | 3,986 |
| Equity capital to assets | 20.2937% | 203 |
| Core capital (leverage) ratio | 20.2147% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,794,667 | 4,297 |
| Average earning assets | $72,224,333 | 4,272 |
| Average equity | $15,714,000 | 3,583 |
| Average total loans | $18,429,000 | 4,804 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1151% | 4,906 |
| Cost of funding earning assets | 0.2405% | 4,795 |
| Net interest margin | 2.8746% | 4,473 |
| Noninterest income to average assets | 0.2154% | 4,260 |
| Noninterest expense to average assets | 2.0701% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7198% | 3,205 |
| Return on assets (ROA) | 0.7198% | 3,289 |
| Pretax return on assets | 0.8459% | 3,295 |
| Return on Equity (ROE) | 3.5028% | 4,092 |
| Retained earnings to average equity (ytd only) | 3.5028% | 2,887 |
| Net charge-offs to loans | -2.2738% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9910% | 2,220 |
| Assets per employee ($millions) | 6.9935% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4469% | 102 |
| Loan loss allowance to noncurrent loans | 65.3191% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2219% | 999 |
| Noncurrent loans to loans | 5.2770% | 108 |
| Net loans and leases to total assets | 22.3573% | 4,991 |
| Net loans and leases to deposits | 28.2256% | 4,988 |
| Net loans and leases to core deposits | 30.4542% | 4,980 |
| Total domestic deposits to total assets | 79.2091% | 4,009 |
| Equity capital to assets | 20.4256% | 226 |
| Core capital (leverage) ratio | 20.5770% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,133,000 | 4,312 |
| Average earning assets | $71,522,000 | 4,290 |
| Average equity | $15,644,500 | 3,597 |
| Average total loans | $18,295,500 | 4,839 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2162% | 4,992 |
| Cost of funding earning assets | 0.2388% | 4,878 |
| Net interest margin | 2.9774% | 4,544 |
| Noninterest income to average assets | 0.1899% | 4,529 |
| Noninterest expense to average assets | 1.9917% | 4,547 |
| Loan and lease loss provision to assets | 0.1106% | 1,886 |
| Net operating income to assets | 0.7819% | 3,608 |
| Return on assets (ROA) | 0.7819% | 3,688 |
| Pretax return on assets | 0.9093% | 3,719 |
| Return on Equity (ROE) | 3.8221% | 4,511 |
| Retained earnings to average equity (ytd only) | 0.2480% | 4,618 |
| Net charge-offs to loans | 0.4242% | 456 |
| Credit loss provision to net charge-offs | 101.1905% | 2,445 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,677 |
| Efficiency ratio | 66.1339% | 2,750 |
| Assets per employee ($millions) | 6.8487% | 1,106 |
| Cash dividends to net income (ytd only)* | 93.5108% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7159% | 167 |
| Loan loss allowance to noncurrent loans | 56.1674% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 969 |
| Noncurrent loans to loans | 4.8354% | 112 |
| Net loans and leases to total assets | 24.2487% | 5,036 |
| Net loans and leases to deposits | 30.9575% | 5,026 |
| Net loans and leases to core deposits | 33.4836% | 5,018 |
| Total domestic deposits to total assets | 78.3291% | 4,310 |
| Equity capital to assets | 20.6714% | 220 |
| Core capital (leverage) ratio | 20.6909% | 213 |
| Tier 1 risk-based capital ratio | 50.2630% | 132 |
| Total risk-based capital ratio | 51.5186% | 130 |
| Memoranda: | ||
| Average total assets | $76,868,600 | 4,338 |
| Average earning assets | $72,849,800 | 4,300 |
| Average equity | $15,724,400 | 3,571 |
| Average total loans | $19,803,200 | 4,865 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2088% | 5,092 |
| Cost of funding earning assets | 0.2404% | 4,949 |
| Net interest margin | 2.9684% | 4,667 |
| Noninterest income to average assets | 0.1933% | 4,564 |
| Noninterest expense to average assets | 1.9520% | 4,642 |
| Loan and lease loss provision to assets | 0.1036% | 1,857 |
| Net operating income to assets | 0.8146% | 3,627 |
| Return on assets (ROA) | 0.8146% | 3,710 |
| Pretax return on assets | 0.9510% | 3,735 |
| Return on Equity (ROE) | 3.9926% | 4,593 |
| Retained earnings to average equity (ytd only) | 3.9926% | 3,399 |
| Net charge-offs to loans | 0.5251% | 319 |
| Credit loss provision to net charge-offs | 75.9494% | 2,554 |
| Earnings coverage of net charge-offs (x) | 7.7343% | 2,719 |
| Efficiency ratio | 64.9254% | 2,880 |
| Assets per employee ($millions) | 6.7979% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4637% | 231 |
| Loan loss allowance to noncurrent loans | 55.1685% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1902% | 1,064 |
| Noncurrent loans to loans | 4.4659% | 132 |
| Net loans and leases to total assets | 25.9946% | 5,110 |
| Net loans and leases to deposits | 33.2706% | 5,097 |
| Net loans and leases to core deposits | 35.9710% | 5,081 |
| Total domestic deposits to total assets | 78.1310% | 4,319 |
| Equity capital to assets | 21.4050% | 203 |
| Core capital (leverage) ratio | 21.1650% | 196 |
| Tier 1 risk-based capital ratio | 50.9908% | 130 |
| Total risk-based capital ratio | 52.2459% | 129 |
| Memoranda: | ||
| Average total assets | $77,251,750 | 4,381 |
| Average earning assets | $73,214,000 | 4,353 |
| Average equity | $15,762,250 | 3,602 |
| Average total loans | $20,059,500 | 4,934 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1640% | 5,161 |
| Cost of funding earning assets | 0.2378% | 4,987 |
| Net interest margin | 2.9262% | 4,788 |
| Noninterest income to average assets | 0.1947% | 4,590 |
| Noninterest expense to average assets | 1.9058% | 4,739 |
| Loan and lease loss provision to assets | 0.1537% | 1,185 |
| Net operating income to assets | 0.7838% | 3,712 |
| Return on assets (ROA) | 0.7838% | 3,772 |
| Pretax return on assets | 0.9094% | 3,821 |
| Return on Equity (ROE) | 3.9028% | 4,613 |
| Retained earnings to average equity (ytd only) | 3.9028% | 3,296 |
| Net charge-offs to loans | 0.4974% | 314 |
| Credit loss provision to net charge-offs | 120.0000% | 1,736 |
| Earnings coverage of net charge-offs (x) | 8.3000% | 2,427 |
| Efficiency ratio | 64.1933% | 3,099 |
| Assets per employee ($millions) | 6.9922% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6167% | 191 |
| Loan loss allowance to noncurrent loans | 57.3319% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.1792% | 1,140 |
| Noncurrent loans to loans | 4.5642% | 130 |
| Net loans and leases to total assets | 25.1606% | 5,163 |
| Net loans and leases to deposits | 31.8295% | 5,150 |
| Net loans and leases to core deposits | 34.3011% | 5,141 |
| Total domestic deposits to total assets | 79.0480% | 4,212 |
| Equity capital to assets | 20.5944% | 225 |
| Core capital (leverage) ratio | 20.1817% | 229 |
| Tier 1 risk-based capital ratio | 49.6863% | 141 |
| Total risk-based capital ratio | 50.9410% | 138 |
| Memoranda: | ||
| Average total assets | $78,076,670 | 4,407 |
| Average earning assets | $74,021,000 | 4,372 |
| Average equity | $15,681,000 | 3,613 |
| Average total loans | $20,103,000 | 4,976 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0987% | 5,242 |
| Cost of funding earning assets | 0.2309% | 5,037 |
| Net interest margin | 2.8677% | 4,918 |
| Noninterest income to average assets | 0.2543% | 4,189 |
| Noninterest expense to average assets | 1.9629% | 4,711 |
| Loan and lease loss provision to assets | 0.2288% | 672 |
| Net operating income to assets | 0.6865% | 3,983 |
| Return on assets (ROA) | 0.6865% | 4,022 |
| Pretax return on assets | 0.7781% | 4,102 |
| Return on Equity (ROE) | 3.4612% | 4,685 |
| Retained earnings to average equity (ytd only) | 3.4612% | 3,529 |
| Net charge-offs to loans | 0.5935% | 250 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,181 |
| Efficiency ratio | 66.0959% | 2,931 |
| Assets per employee ($millions) | 7.2072% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6469% | 207 |
| Loan loss allowance to noncurrent loans | 55.0420% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 1,118 |
| Noncurrent loans to loans | 4.8088% | 126 |
| Net loans and leases to total assets | 24.3103% | 5,233 |
| Net loans and leases to deposits | 30.4010% | 5,216 |
| Net loans and leases to core deposits | 33.1373% | 5,201 |
| Total domestic deposits to total assets | 79.9657% | 4,182 |
| Equity capital to assets | 19.7644% | 248 |
| Core capital (leverage) ratio | 19.9908% | 236 |
| Tier 1 risk-based capital ratio | 48.3507% | 146 |
| Total risk-based capital ratio | 49.6066% | 146 |
| Memoranda: | ||
| Average total assets | $78,658,000 | 4,440 |
| Average earning assets | $74,483,500 | 4,404 |
| Average equity | $15,601,500 | 3,631 |
| Average total loans | $20,218,500 | 5,034 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0484% | 5,212 |
| Cost of funding earning assets | 0.2231% | 4,914 |
| Net interest margin | 2.8253% | 4,998 |
| Noninterest income to average assets | 0.2177% | 4,608 |
| Noninterest expense to average assets | 1.8208% | 4,985 |
| Loan and lease loss provision to assets | 0.3393% | 456 |
| Net operating income to assets | 0.6556% | 4,269 |
| Return on assets (ROA) | 0.6556% | 4,273 |
| Pretax return on assets | 0.7337% | 4,330 |
| Return on Equity (ROE) | 3.2619% | 4,858 |
| Retained earnings to average equity (ytd only) | 0.0382% | 4,978 |
| Net charge-offs to loans | 1.3921% | 85 |
| Credit loss provision to net charge-offs | 94.6429% | 2,649 |
| Earnings coverage of net charge-offs (x) | 2.9929% | 3,466 |
| Efficiency ratio | 62.9204% | 3,360 |
| Assets per employee ($millions) | 7.0943% | 936 |
| Cash dividends to net income (ytd only)* | 98.8281% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4661% | 239 |
| Loan loss allowance to noncurrent loans | 53.2427% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 1,059 |
| Noncurrent loans to loans | 4.6318% | 130 |
| Net loans and leases to total assets | 25.7967% | 5,257 |
| Net loans and leases to deposits | 32.5402% | 5,238 |
| Net loans and leases to core deposits | 35.4344% | 5,227 |
| Total domestic deposits to total assets | 79.2765% | 4,255 |
| Equity capital to assets | 19.9059% | 236 |
| Core capital (leverage) ratio | 19.9902% | 234 |
| Tier 1 risk-based capital ratio | 47.5773% | 150 |
| Total risk-based capital ratio | 48.8300% | 149 |
| Memoranda: | ||
| Average total assets | $78,096,400 | 4,461 |
| Average earning assets | $73,974,400 | 4,425 |
| Average equity | $15,696,600 | 3,548 |
| Average total loans | $20,113,200 | 5,075 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0140% | 5,280 |
| Cost of funding earning assets | 0.2162% | 4,963 |
| Net interest margin | 2.7978% | 5,091 |
| Noninterest income to average assets | 0.2117% | 4,698 |
| Noninterest expense to average assets | 1.8554% | 4,966 |
| Loan and lease loss provision to assets | 0.2048% | 835 |
| Net operating income to assets | 0.7135% | 4,183 |
| Return on assets (ROA) | 0.7135% | 4,191 |
| Pretax return on assets | 0.8023% | 4,287 |
| Return on Equity (ROE) | 3.5414% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.5414% | 3,999 |
| Net charge-offs to loans | 1.8417% | 56 |
| Credit loss provision to net charge-offs | 43.4783% | 2,875 |
| Earnings coverage of net charge-offs (x) | 2.1377% | 3,277 |
| Efficiency ratio | 64.8181% | 3,052 |
| Assets per employee ($millions) | 7.0591% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 780 |
| Loan loss allowance to noncurrent loans | 40.3952% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1732% | 1,200 |
| Noncurrent loans to loans | 4.3609% | 174 |
| Net loans and leases to total assets | 26.4288% | 5,316 |
| Net loans and leases to deposits | 33.4338% | 5,310 |
| Net loans and leases to core deposits | 36.2528% | 5,294 |
| Total domestic deposits to total assets | 79.0483% | 4,304 |
| Equity capital to assets | 20.5357% | 210 |
| Core capital (leverage) ratio | 20.6087% | 210 |
| Tier 1 risk-based capital ratio | 48.5596% | 145 |
| Total risk-based capital ratio | 49.6802% | 145 |
| Memoranda: | ||
| Average total assets | $78,111,250 | 4,507 |
| Average earning assets | $74,008,250 | 4,467 |
| Average equity | $15,737,250 | 3,564 |
| Average total loans | $19,981,500 | 5,136 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0040% | 5,334 |
| Cost of funding earning assets | 0.2103% | 4,977 |
| Net interest margin | 2.7937% | 5,128 |
| Noninterest income to average assets | 0.2044% | 4,791 |
| Noninterest expense to average assets | 1.8527% | 5,030 |
| Loan and lease loss provision to assets | 0.1917% | 904 |
| Net operating income to assets | 0.7181% | 4,147 |
| Return on assets (ROA) | 0.7181% | 4,152 |
| Pretax return on assets | 0.8075% | 4,223 |
| Return on Equity (ROE) | 3.5870% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.5870% | 3,805 |
| Net charge-offs to loans | 1.3924% | 93 |
| Credit loss provision to net charge-offs | 54.7445% | 2,465 |
| Earnings coverage of net charge-offs (x) | 2.8540% | 2,940 |
| Efficiency ratio | 64.9642% | 3,165 |
| Assets per employee ($millions) | 7.0341% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2971% | 316 |
| Loan loss allowance to noncurrent loans | 42.7778% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.3958% | 996 |
| Noncurrent loans to loans | 5.3699% | 117 |
| Net loans and leases to total assets | 25.3958% | 5,394 |
| Net loans and leases to deposits | 32.0518% | 5,373 |
| Net loans and leases to core deposits | 34.7542% | 5,359 |
| Total domestic deposits to total assets | 79.2336% | 4,387 |
| Equity capital to assets | 20.4317% | 210 |
| Core capital (leverage) ratio | 20.1086% | 222 |
| Tier 1 risk-based capital ratio | 49.0734% | 141 |
| Total risk-based capital ratio | 50.3244% | 139 |
| Memoranda: | ||
| Average total assets | $78,265,000 | 4,552 |
| Average earning assets | $74,167,000 | 4,501 |
| Average equity | $15,667,670 | 3,593 |
| Average total loans | $19,678,670 | 5,205 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0423% | 5,351 |
| Cost of funding earning assets | 0.1985% | 5,024 |
| Net interest margin | 2.8438% | 5,107 |
| Noninterest income to average assets | 0.2338% | 4,613 |
| Noninterest expense to average assets | 1.9006% | 5,018 |
| Loan and lease loss provision to assets | 0.2287% | 683 |
| Net operating income to assets | 0.7064% | 4,074 |
| Return on assets (ROA) | 0.7064% | 4,083 |
| Pretax return on assets | 0.7979% | 4,156 |
| Return on Equity (ROE) | 3.5648% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.5648% | 3,777 |
| Net charge-offs to loans | 2.1581% | 53 |
| Credit loss provision to net charge-offs | 42.8571% | 1,996 |
| Earnings coverage of net charge-offs (x) | 1.9238% | 2,506 |
| Efficiency ratio | 64.9306% | 3,329 |
| Assets per employee ($millions) | 7.2322% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5183% | 245 |
| Loan loss allowance to noncurrent loans | 45.7594% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 1,166 |
| Noncurrent loans to loans | 5.5034% | 122 |
| Net loans and leases to total assets | 22.5771% | 5,482 |
| Net loans and leases to deposits | 28.2077% | 5,470 |
| Net loans and leases to core deposits | 30.3590% | 5,458 |
| Total domestic deposits to total assets | 80.0387% | 4,410 |
| Equity capital to assets | 19.6923% | 226 |
| Core capital (leverage) ratio | 19.8956% | 216 |
| Tier 1 risk-based capital ratio | 49.3262% | 137 |
| Total risk-based capital ratio | 50.5793% | 135 |
| Memoranda: | ||
| Average total assets | $78,710,000 | 4,591 |
| Average earning assets | $74,548,000 | 4,543 |
| Average equity | $15,597,000 | 3,636 |
| Average total loans | $19,462,000 | 5,269 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8902% | 5,418 |
| Cost of funding earning assets | 0.2064% | 4,893 |
| Net interest margin | 2.6839% | 5,287 |
| Noninterest income to average assets | 0.1964% | 4,968 |
| Noninterest expense to average assets | 1.8486% | 5,197 |
| Loan and lease loss provision to assets | 0.2456% | 772 |
| Net operating income to assets | 0.5995% | 4,013 |
| Return on assets (ROA) | 0.6007% | 4,048 |
| Pretax return on assets | 0.6586% | 4,608 |
| Return on Equity (ROE) | 3.0492% | 4,816 |
| Retained earnings to average equity (ytd only) | 0.4603% | 4,853 |
| Net charge-offs to loans | 0.6475% | 342 |
| Credit loss provision to net charge-offs | 151.1628% | 1,767 |
| Earnings coverage of net charge-offs (x) | 5.5581% | 3,308 |
| Efficiency ratio | 67.1854% | 3,053 |
| Assets per employee ($millions) | 7.0778% | 937 |
| Cash dividends to net income (ytd only)* | 84.9057% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5562% | 230 |
| Loan loss allowance to noncurrent loans | 90.1893% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 2,100 |
| Noncurrent loans to loans | 2.8343% | 411 |
| Net loans and leases to total assets | 25.6563% | 5,509 |
| Net loans and leases to deposits | 32.3330% | 5,489 |
| Net loans and leases to core deposits | 34.8774% | 5,478 |
| Total domestic deposits to total assets | 79.3503% | 4,472 |
| Equity capital to assets | 19.9304% | 210 |
| Core capital (leverage) ratio | 19.8992% | 202 |
| Tier 1 risk-based capital ratio | 47.0454% | 139 |
| Total risk-based capital ratio | 48.3006% | 136 |
| Memoranda: | ||
| Average total assets | $79,409,800 | 4,604 |
| Average earning assets | $75,599,400 | 4,549 |
| Average equity | $15,643,200 | 3,644 |
| Average total loans | $19,922,800 | 5,317 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8972% | 5,479 |
| Cost of funding earning assets | 0.2071% | 4,916 |
| Net interest margin | 2.6901% | 5,331 |
| Noninterest income to average assets | 0.1905% | 5,063 |
| Noninterest expense to average assets | 1.8229% | 5,246 |
| Loan and lease loss provision to assets | 0.0835% | 2,425 |
| Net operating income to assets | 0.6954% | 4,007 |
| Return on assets (ROA) | 0.6967% | 4,067 |
| Pretax return on assets | 0.8471% | 4,217 |
| Return on Equity (ROE) | 3.5470% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.5470% | 3,800 |
| Net charge-offs to loans | 0.7617% | 244 |
| Credit loss provision to net charge-offs | 44.2478% | 2,973 |
| Earnings coverage of net charge-offs (x) | 4.9204% | 3,168 |
| Efficiency ratio | 66.2417% | 3,169 |
| Assets per employee ($millions) | 7.0356% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 683 |
| Loan loss allowance to noncurrent loans | 64.7541% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 2,167 |
| Noncurrent loans to loans | 2.9510% | 444 |
| Net loans and leases to total assets | 26.1991% | 5,562 |
| Net loans and leases to deposits | 33.1237% | 5,543 |
| Net loans and leases to core deposits | 35.7469% | 5,528 |
| Total domestic deposits to total assets | 79.0947% | 4,513 |
| Equity capital to assets | 20.4957% | 209 |
| Core capital (leverage) ratio | 20.2177% | 203 |
| Tier 1 risk-based capital ratio | 48.0740% | 140 |
| Total risk-based capital ratio | 49.2711% | 136 |
| Memoranda: | ||
| Average total assets | $79,798,250 | 4,635 |
| Average earning assets | $75,980,250 | 4,584 |
| Average equity | $15,674,750 | 3,674 |
| Average total loans | $19,778,750 | 5,376 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9255% | 5,488 |
| Cost of funding earning assets | 0.2060% | 4,917 |
| Net interest margin | 2.7195% | 5,340 |
| Noninterest income to average assets | 0.1836% | 5,132 |
| Noninterest expense to average assets | 1.7791% | 5,334 |
| Loan and lease loss provision to assets | 0.0124% | 3,708 |
| Net operating income to assets | 0.7866% | 3,455 |
| Return on assets (ROA) | 0.7866% | 3,514 |
| Pretax return on assets | 0.9801% | 3,637 |
| Return on Equity (ROE) | 4.0609% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.0609% | 3,288 |
| Net charge-offs to loans | 0.6365% | 310 |
| Credit loss provision to net charge-offs | 8.0645% | 2,866 |
| Earnings coverage of net charge-offs (x) | 6.4516% | 2,711 |
| Efficiency ratio | 64.1898% | 3,641 |
| Assets per employee ($millions) | 7.2131% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 671 |
| Loan loss allowance to noncurrent loans | 62.9513% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 2,203 |
| Noncurrent loans to loans | 3.0773% | 414 |
| Net loans and leases to total assets | 25.5835% | 5,619 |
| Net loans and leases to deposits | 32.0608% | 5,604 |
| Net loans and leases to core deposits | 34.5063% | 5,591 |
| Total domestic deposits to total assets | 79.7968% | 4,455 |
| Equity capital to assets | 19.8654% | 225 |
| Core capital (leverage) ratio | 19.5004% | 218 |
| Tier 1 risk-based capital ratio | 47.0339% | 146 |
| Total risk-based capital ratio | 48.2305% | 144 |
| Memoranda: | ||
| Average total assets | $80,600,330 | 4,651 |
| Average earning assets | $76,705,000 | 4,597 |
| Average equity | $15,612,330 | 3,688 |
| Average total loans | $19,481,330 | 5,425 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0802% | 5,388 |
| Cost of funding earning assets | 0.2071% | 4,910 |
| Net interest margin | 2.8732% | 5,132 |
| Noninterest income to average assets | 0.2216% | 4,951 |
| Noninterest expense to average assets | 1.7925% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9110% | 2,708 |
| Return on assets (ROA) | 0.9110% | 2,763 |
| Pretax return on assets | 1.1622% | 2,736 |
| Return on Equity (ROE) | 4.7627% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.7627% | 3,030 |
| Net charge-offs to loans | -0.1060% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6667% | 4,370 |
| Assets per employee ($millions) | 7.4821% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4468% | 334 |
| Loan loss allowance to noncurrent loans | 68.7964% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 2,253 |
| Noncurrent loans to loans | 3.5565% | 333 |
| Net loans and leases to total assets | 22.4293% | 5,722 |
| Net loans and leases to deposits | 27.7891% | 5,708 |
| Net loans and leases to core deposits | 29.8001% | 5,694 |
| Total domestic deposits to total assets | 80.7127% | 4,482 |
| Equity capital to assets | 18.9908% | 247 |
| Core capital (leverage) ratio | 19.1638% | 225 |
| Tier 1 risk-based capital ratio | 47.7237% | 150 |
| Total risk-based capital ratio | 48.9756% | 147 |
| Memoranda: | ||
| Average total assets | $81,228,500 | 4,692 |
| Average earning assets | $77,266,500 | 4,625 |
| Average equity | $15,537,500 | 3,717 |
| Average total loans | $18,872,000 | 5,502 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4818% | 5,762 |
| Cost of funding earning assets | 0.2107% | 4,919 |
| Net interest margin | 2.2710% | 5,723 |
| Noninterest income to average assets | 0.1832% | 5,303 |
| Noninterest expense to average assets | 1.7794% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5657% | 4,362 |
| Return on assets (ROA) | 0.5657% | 4,468 |
| Pretax return on assets | 0.5657% | 4,883 |
| Return on Equity (ROE) | 2.9435% | 5,173 |
| Retained earnings to average equity (ytd only) | 1.1929% | 4,813 |
| Net charge-offs to loans | 0.5869% | 393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.0901% | 3,557 |
| Efficiency ratio | 75.8767% | 1,999 |
| Assets per employee ($millions) | 7.2882% | 807 |
| Cash dividends to net income (ytd only)* | 59.4714% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4335% | 340 |
| Loan loss allowance to noncurrent loans | 62.3978% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 2,075 |
| Noncurrent loans to loans | 3.8999% | 273 |
| Net loans and leases to total assets | 22.9051% | 5,774 |
| Net loans and leases to deposits | 28.5628% | 5,754 |
| Net loans and leases to core deposits | 30.7161% | 5,747 |
| Total domestic deposits to total assets | 80.1921% | 4,531 |
| Equity capital to assets | 19.2653% | 229 |
| Core capital (leverage) ratio | 19.3239% | 213 |
| Tier 1 risk-based capital ratio | 48.0823% | 150 |
| Total risk-based capital ratio | 49.3338% | 147 |
| Memoranda: | ||
| Average total assets | $80,251,800 | 4,730 |
| Average earning assets | $76,396,400 | 4,663 |
| Average equity | $15,424,000 | 3,761 |
| Average total loans | $18,912,600 | 5,548 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4273% | 5,844 |
| Cost of funding earning assets | 0.2110% | 4,968 |
| Net interest margin | 2.2163% | 5,813 |
| Noninterest income to average assets | 0.1844% | 5,357 |
| Noninterest expense to average assets | 1.7756% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5116% | 4,655 |
| Return on assets (ROA) | 0.5116% | 4,755 |
| Pretax return on assets | 0.5199% | 5,077 |
| Return on Equity (ROE) | 2.6634% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.6634% | 4,317 |
| Net charge-offs to loans | 0.6900% | 271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.1939% | 3,457 |
| Efficiency ratio | 77.3517% | 1,785 |
| Assets per employee ($millions) | 6.0405% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4435% | 351 |
| Loan loss allowance to noncurrent loans | 59.7964% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.0009% | 2,068 |
| Noncurrent loans to loans | 4.0863% | 263 |
| Net loans and leases to total assets | 23.8962% | 5,824 |
| Net loans and leases to deposits | 29.9512% | 5,813 |
| Net loans and leases to core deposits | 32.1016% | 5,803 |
| Total domestic deposits to total assets | 79.7840% | 4,562 |
| Equity capital to assets | 19.8263% | 232 |
| Core capital (leverage) ratio | 19.6996% | 207 |
| Tier 1 risk-based capital ratio | 48.6562% | 144 |
| Total risk-based capital ratio | 49.9094% | 145 |
| Memoranda: | ||
| Average total assets | $80,272,250 | 4,770 |
| Average earning assets | $76,461,750 | 4,701 |
| Average equity | $15,418,750 | 3,793 |
| Average total loans | $18,935,500 | 5,602 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3271% | 5,950 |
| Cost of funding earning assets | 0.2101% | 5,042 |
| Net interest margin | 2.1169% | 5,928 |
| Noninterest income to average assets | 0.2028% | 5,281 |
| Noninterest expense to average assets | 1.7340% | 5,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4824% | 4,755 |
| Return on assets (ROA) | 0.4824% | 4,851 |
| Pretax return on assets | 0.4873% | 5,159 |
| Return on Equity (ROE) | 2.5376% | 5,373 |
| Retained earnings to average equity (ytd only) | 2.5376% | 4,271 |
| Net charge-offs to loans | 0.8176% | 243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.5584% | 3,255 |
| Efficiency ratio | 78.0624% | 1,781 |
| Assets per employee ($millions) | 6.1354% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6303% | 308 |
| Loan loss allowance to noncurrent loans | 42.8447% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.4368% | 1,353 |
| Noncurrent loans to loans | 6.1392% | 114 |
| Net loans and leases to total assets | 22.7884% | 5,905 |
| Net loans and leases to deposits | 28.3743% | 5,900 |
| Net loans and leases to core deposits | 30.3616% | 5,888 |
| Total domestic deposits to total assets | 80.3134% | 4,473 |
| Equity capital to assets | 19.3781% | 238 |
| Core capital (leverage) ratio | 18.9025% | 239 |
| Tier 1 risk-based capital ratio | 48.6007% | 141 |
| Total risk-based capital ratio | 49.8554% | 139 |
| Memoranda: | ||
| Average total assets | $80,854,000 | 4,795 |
| Average earning assets | $77,092,330 | 4,727 |
| Average equity | $15,368,670 | 3,818 |
| Average total loans | $18,835,670 | 5,672 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3967% | 5,997 |
| Cost of funding earning assets | 0.2062% | 5,145 |
| Net interest margin | 2.1905% | 5,969 |
| Noninterest income to average assets | 0.2555% | 4,907 |
| Noninterest expense to average assets | 1.7051% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6290% | 4,064 |
| Return on assets (ROA) | 0.6290% | 4,180 |
| Pretax return on assets | 0.6388% | 4,706 |
| Return on Equity (ROE) | 3.3409% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.3409% | 3,824 |
| Net charge-offs to loans | 0.8879% | 226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.0952% | 2,585 |
| Efficiency ratio | 72.7463% | 2,691 |
| Assets per employee ($millions) | 6.3208% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9087% | 243 |
| Loan loss allowance to noncurrent loans | 96.5201% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 2,957 |
| Noncurrent loans to loans | 3.0136% | 539 |
| Net loans and leases to total assets | 21.4078% | 5,974 |
| Net loans and leases to deposits | 26.4145% | 5,967 |
| Net loans and leases to core deposits | 28.2950% | 5,960 |
| Total domestic deposits to total assets | 81.0456% | 4,484 |
| Equity capital to assets | 18.7280% | 278 |
| Core capital (leverage) ratio | 18.8054% | 243 |
| Tier 1 risk-based capital ratio | 48.0426% | 145 |
| Total risk-based capital ratio | 49.2976% | 143 |
| Memoranda: | ||
| Average total assets | $81,401,000 | 4,830 |
| Average earning assets | $77,607,500 | 4,756 |
| Average equity | $15,325,000 | 3,833 |
| Average total loans | $18,920,000 | 5,722 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3068% | 6,049 |
| Cost of funding earning assets | 0.2130% | 5,166 |
| Net interest margin | 2.0938% | 6,027 |
| Noninterest income to average assets | 0.2308% | 5,213 |
| Noninterest expense to average assets | 1.7425% | 5,810 |
| Loan and lease loss provision to assets | 0.1519% | 1,552 |
| Net operating income to assets | 0.3349% | 5,259 |
| Return on assets (ROA) | 0.3349% | 5,345 |
| Pretax return on assets | 0.3349% | 5,447 |
| Return on Equity (ROE) | 1.8060% | 5,619 |
| Retained earnings to average equity (ytd only) | 0.0645% | 5,479 |
| Net charge-offs to loans | 0.8630% | 249 |
| Credit loss provision to net charge-offs | 78.3951% | 2,978 |
| Earnings coverage of net charge-offs (x) | 2.5123% | 3,888 |
| Efficiency ratio | 78.1652% | 1,940 |
| Assets per employee ($millions) | 6.2175% | 1,247 |
| Cash dividends to net income (ytd only)* | 96.4286% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 1,111 |
| Loan loss allowance to noncurrent loans | 64.9091% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 3,005 |
| Noncurrent loans to loans | 2.7888% | 616 |
| Net loans and leases to total assets | 23.9586% | 6,001 |
| Net loans and leases to deposits | 29.8139% | 5,994 |
| Net loans and leases to core deposits | 31.8608% | 5,989 |
| Total domestic deposits to total assets | 80.3605% | 4,648 |
| Equity capital to assets | 19.1248% | 244 |
| Core capital (leverage) ratio | 18.9534% | 241 |
| Tier 1 risk-based capital ratio | 46.9434% | 147 |
| Total risk-based capital ratio | 48.0276% | 147 |
| Memoranda: | ||
| Average total assets | $83,616,200 | 4,797 |
| Average earning assets | $79,807,000 | 4,720 |
| Average equity | $15,504,000 | 3,757 |
| Average total loans | $18,771,600 | 5,772 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2533% | 6,157 |
| Cost of funding earning assets | 0.2154% | 5,227 |
| Net interest margin | 2.0379% | 6,127 |
| Noninterest income to average assets | 0.2198% | 5,342 |
| Noninterest expense to average assets | 1.9973% | 5,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1676% | 5,741 |
| Return on assets (ROA) | 0.1676% | 5,797 |
| Pretax return on assets | 0.1676% | 5,829 |
| Return on Equity (ROE) | 0.9109% | 5,871 |
| Retained earnings to average equity (ytd only) | 0.9109% | 5,345 |
| Net charge-offs to loans | 0.5323% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.4325% | 3,839 |
| Efficiency ratio | 92.2571% | 555 |
| Assets per employee ($millions) | 6.2078% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,869 |
| Loan loss allowance to noncurrent loans | 115.6364% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 4,412 |
| Noncurrent loans to loans | 1.3619% | 1,881 |
| Net loans and leases to total assets | 24.6267% | 6,080 |
| Net loans and leases to deposits | 30.7633% | 6,067 |
| Net loans and leases to core deposits | 33.0374% | 6,058 |
| Total domestic deposits to total assets | 80.0523% | 4,742 |
| Equity capital to assets | 19.2736% | 266 |
| Core capital (leverage) ratio | 18.9977% | 244 |
| Tier 1 risk-based capital ratio | 47.1762% | 158 |
| Total risk-based capital ratio | 48.1407% | 159 |
| Memoranda: | ||
| Average total assets | $84,313,500 | 4,843 |
| Average earning assets | $80,473,000 | 4,767 |
| Average equity | $15,515,500 | 3,796 |
| Average total loans | $18,534,000 | 5,850 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1692% | 6,243 |
| Cost of funding earning assets | 0.2108% | 5,343 |
| Net interest margin | 1.9584% | 6,214 |
| Noninterest income to average assets | 0.2222% | 5,374 |
| Noninterest expense to average assets | 1.8639% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2269% | 5,633 |
| Return on assets (ROA) | 0.2269% | 5,705 |
| Pretax return on assets | 0.2269% | 5,774 |
| Return on Equity (ROE) | 1.2514% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.2514% | 5,053 |
| Net charge-offs to loans | 0.4672% | 542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.3095% | 3,367 |
| Efficiency ratio | 89.1499% | 815 |
| Assets per employee ($millions) | 6.3874% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9943% | 997 |
| Loan loss allowance to noncurrent loans | 125.8993% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 4,513 |
| Noncurrent loans to loans | 1.5840% | 1,660 |
| Net loans and leases to total assets | 20.7139% | 6,200 |
| Net loans and leases to deposits | 25.6376% | 6,203 |
| Net loans and leases to core deposits | 27.5752% | 6,188 |
| Total domestic deposits to total assets | 80.7951% | 4,671 |
| Equity capital to assets | 18.7208% | 281 |
| Core capital (leverage) ratio | 18.1692% | 275 |
| Tier 1 risk-based capital ratio | 49.0425% | 156 |
| Total risk-based capital ratio | 50.1467% | 157 |
| Memoranda: | ||
| Average total assets | $85,517,670 | 4,864 |
| Average earning assets | $81,595,670 | 4,788 |
| Average equity | $15,502,670 | 3,815 |
| Average total loans | $17,981,330 | 5,925 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0998% | 6,326 |
| Cost of funding earning assets | 0.2124% | 5,396 |
| Net interest margin | 1.8874% | 6,303 |
| Noninterest income to average assets | 0.2444% | 5,223 |
| Noninterest expense to average assets | 1.7382% | 5,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3089% | 5,385 |
| Return on assets (ROA) | 0.3089% | 5,489 |
| Pretax return on assets | 0.3089% | 5,635 |
| Return on Equity (ROE) | 1.7311% | 5,745 |
| Retained earnings to average equity (ytd only) | 1.7311% | 4,780 |
| Net charge-offs to loans | 0.5056% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.9130% | 2,682 |
| Efficiency ratio | 84.9099% | 1,277 |
| Assets per employee ($millions) | 6.6832% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0670% | 968 |
| Loan loss allowance to noncurrent loans | 145.2756% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 4,779 |
| Noncurrent loans to loans | 1.4228% | 2,017 |
| Net loans and leases to total assets | 20.1227% | 6,268 |
| Net loans and leases to deposits | 24.5897% | 6,269 |
| Net loans and leases to core deposits | 26.4834% | 6,254 |
| Total domestic deposits to total assets | 81.8340% | 4,558 |
| Equity capital to assets | 17.8576% | 340 |
| Core capital (leverage) ratio | 17.8110% | 299 |
| Tier 1 risk-based capital ratio | 47.0694% | 168 |
| Total risk-based capital ratio | 48.1888% | 169 |
| Memoranda: | ||
| Average total assets | $86,758,500 | 4,884 |
| Average earning assets | $82,863,500 | 4,804 |
| Average equity | $15,481,500 | 3,835 |
| Average total loans | $18,197,000 | 5,968 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2190% | 6,399 |
| Cost of funding earning assets | 0.2303% | 5,521 |
| Net interest margin | 1.9887% | 6,375 |
| Noninterest income to average assets | 0.2802% | 5,112 |
| Noninterest expense to average assets | 1.7167% | 6,140 |
| Loan and lease loss provision to assets | 0.1766% | 1,461 |
| Net operating income to assets | 0.3214% | 5,461 |
| Return on assets (ROA) | 0.3214% | 5,530 |
| Pretax return on assets | 0.2885% | 5,723 |
| Return on Equity (ROE) | 1.7590% | 5,831 |
| Retained earnings to average equity (ytd only) | 0.0193% | 5,752 |
| Net charge-offs to loans | 0.4701% | 887 |
| Credit loss provision to net charge-offs | 164.8352% | 1,480 |
| Earnings coverage of net charge-offs (x) | 4.3407% | 3,682 |
| Efficiency ratio | 78.6832% | 2,104 |
| Assets per employee ($millions) | 6.6642% | 973 |
| Cash dividends to net income (ytd only)* | 98.9011% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 929 |
| Loan loss allowance to noncurrent loans | 168.2403% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 4,772 |
| Noncurrent loans to loans | 1.2566% | 2,351 |
| Net loans and leases to total assets | 20.9500% | 6,357 |
| Net loans and leases to deposits | 25.6378% | 6,354 |
| Net loans and leases to core deposits | 28.3980% | 6,328 |
| Total domestic deposits to total assets | 81.7152% | 4,520 |
| Equity capital to assets | 17.8311% | 331 |
| Core capital (leverage) ratio | 17.7770% | 302 |
| Tier 1 risk-based capital ratio | 43.0919% | 198 |
| Total risk-based capital ratio | 44.1853% | 197 |
| Memoranda: | ||
| Average total assets | $84,930,200 | 4,943 |
| Average earning assets | $81,208,800 | 4,866 |
| Average equity | $15,519,800 | 3,743 |
| Average total loans | $19,357,600 | 5,988 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2433% | 6,474 |
| Cost of funding earning assets | 0.2309% | 5,584 |
| Net interest margin | 2.0124% | 6,449 |
| Noninterest income to average assets | 0.2730% | 5,257 |
| Noninterest expense to average assets | 1.9076% | 5,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2903% | 5,619 |
| Return on assets (ROA) | 0.2903% | 5,688 |
| Pretax return on assets | 0.2903% | 5,793 |
| Return on Equity (ROE) | 1.5789% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.5789% | 5,253 |
| Net charge-offs to loans | 0.3272% | 1,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 3,581 |
| Efficiency ratio | 86.7911% | 1,111 |
| Assets per employee ($millions) | 6.1332% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 2,745 |
| Loan loss allowance to noncurrent loans | 104.0000% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 4,990 |
| Noncurrent loans to loans | 1.4372% | 2,268 |
| Net loans and leases to total assets | 21.9507% | 6,422 |
| Net loans and leases to deposits | 27.0498% | 6,410 |
| Net loans and leases to core deposits | 29.5641% | 6,393 |
| Total domestic deposits to total assets | 81.1495% | 4,783 |
| Equity capital to assets | 18.2030% | 323 |
| Core capital (leverage) ratio | 18.2340% | 290 |
| Tier 1 risk-based capital ratio | 43.7705% | 191 |
| Total risk-based capital ratio | 44.5714% | 194 |
| Memoranda: | ||
| Average total assets | $84,504,000 | 5,009 |
| Average earning assets | $80,830,750 | 4,929 |
| Average equity | $15,537,750 | 3,765 |
| Average total loans | $19,561,500 | 6,042 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2182% | 6,549 |
| Cost of funding earning assets | 0.2288% | 5,672 |
| Net interest margin | 1.9894% | 6,523 |
| Noninterest income to average assets | 0.2974% | 5,032 |
| Noninterest expense to average assets | 1.9274% | 5,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2736% | 5,652 |
| Return on assets (ROA) | 0.2736% | 5,724 |
| Pretax return on assets | 0.2736% | 5,831 |
| Return on Equity (ROE) | 1.4832% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.4832% | 5,150 |
| Net charge-offs to loans | 0.2436% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.7917% | 3,043 |
| Efficiency ratio | 87.5676% | 1,124 |
| Assets per employee ($millions) | 5.9991% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 2,716 |
| Loan loss allowance to noncurrent loans | 109.9644% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 5,041 |
| Noncurrent loans to loans | 1.4014% | 2,456 |
| Net loans and leases to total assets | 23.5057% | 6,463 |
| Net loans and leases to deposits | 29.0260% | 6,444 |
| Net loans and leases to core deposits | 32.1919% | 6,407 |
| Total domestic deposits to total assets | 80.9818% | 4,987 |
| Equity capital to assets | 18.5265% | 292 |
| Core capital (leverage) ratio | 18.3190% | 281 |
| Tier 1 risk-based capital ratio | 43.3559% | 195 |
| Total risk-based capital ratio | 44.2169% | 198 |
| Memoranda: | ||
| Average total assets | $84,050,330 | 5,062 |
| Average earning assets | $80,427,330 | 4,974 |
| Average equity | $15,507,000 | 3,769 |
| Average total loans | $19,704,000 | 6,091 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1772% | 6,626 |
| Cost of funding earning assets | 0.2287% | 5,764 |
| Net interest margin | 1.9485% | 6,604 |
| Noninterest income to average assets | 0.2997% | 4,962 |
| Noninterest expense to average assets | 1.8316% | 6,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3330% | 5,381 |
| Return on assets (ROA) | 0.3330% | 5,432 |
| Pretax return on assets | 0.3330% | 5,644 |
| Return on Equity (ROE) | 1.8087% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.8087% | 4,881 |
| Net charge-offs to loans | -0.0614% | 5,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 1,601 |
| Assets per employee ($millions) | 6.0679% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 2,107 |
| Loan loss allowance to noncurrent loans | 181.6216% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 5,555 |
| Noncurrent loans to loans | 0.9795% | 3,464 |
| Net loans and leases to total assets | 21.8387% | 6,542 |
| Net loans and leases to deposits | 26.8294% | 6,529 |
| Net loans and leases to core deposits | 29.1992% | 6,509 |
| Total domestic deposits to total assets | 81.3985% | 5,123 |
| Equity capital to assets | 18.2649% | 310 |
| Core capital (leverage) ratio | 18.3645% | 287 |
| Tier 1 risk-based capital ratio | 43.8379% | 186 |
| Total risk-based capital ratio | 44.7873% | 190 |
| Memoranda: | ||
| Average total assets | $84,081,500 | 5,111 |
| Average earning assets | $80,471,000 | 5,009 |
| Average equity | $15,480,500 | 3,782 |
| Average total loans | $19,530,500 | 6,155 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3456% | 6,661 |
| Cost of funding earning assets | 0.2482% | 5,975 |
| Net interest margin | 2.0974% | 6,621 |
| Noninterest income to average assets | 0.3072% | 5,139 |
| Noninterest expense to average assets | 1.8158% | 6,294 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4957% | 4,750 |
| Return on assets (ROA) | 0.4957% | 4,890 |
| Pretax return on assets | 0.4957% | 5,216 |
| Return on Equity (ROE) | 2.6834% | 5,621 |
| Retained earnings to average equity (ytd only) | 0.0835% | 5,815 |
| Net charge-offs to loans | 0.2982% | 2,201 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.9667% | 2,939 |
| Efficiency ratio | 78.5531% | 2,376 |
| Assets per employee ($millions) | 5.9438% | 1,307 |
| Cash dividends to net income (ytd only)* | 96.8900% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 2,548 |
| Loan loss allowance to noncurrent loans | 412.3457% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 6,046 |
| Noncurrent loans to loans | 0.4015% | 5,002 |
| Net loans and leases to total assets | 23.8412% | 6,612 |
| Net loans and leases to deposits | 29.4982% | 6,594 |
| Net loans and leases to core deposits | 31.9963% | 6,562 |
| Total domestic deposits to total assets | 80.8227% | 5,229 |
| Equity capital to assets | 18.5608% | 285 |
| Core capital (leverage) ratio | 18.4826% | 272 |
| Tier 1 risk-based capital ratio | 42.7236% | 191 |
| Total risk-based capital ratio | 43.6475% | 194 |
| Memoranda: | ||
| Average total assets | $84,317,200 | 5,134 |
| Average earning assets | $80,576,800 | 5,025 |
| Average equity | $15,577,200 | 3,770 |
| Average total loans | $20,120,600 | 6,196 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3323% | 6,742 |
| Cost of funding earning assets | 0.2507% | 6,077 |
| Net interest margin | 2.0816% | 6,701 |
| Noninterest income to average assets | 0.3137% | 5,198 |
| Noninterest expense to average assets | 1.7747% | 6,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5107% | 4,753 |
| Return on assets (ROA) | 0.5107% | 4,912 |
| Pretax return on assets | 0.5280% | 5,274 |
| Return on Equity (ROE) | 2.7673% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.7673% | 4,660 |
| Net charge-offs to loans | 0.0995% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 22.3330% | 1,502 |
| Efficiency ratio | 77.0705% | 2,553 |
| Assets per employee ($millions) | 5.9190% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8548% | 2,126 |
| Loan loss allowance to noncurrent loans | 99.7368% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 5,052 |
| Noncurrent loans to loans | 1.8596% | 2,421 |
| Net loans and leases to total assets | 24.2017% | 6,686 |
| Net loans and leases to deposits | 30.0977% | 6,666 |
| Net loans and leases to core deposits | 32.8383% | 6,632 |
| Total domestic deposits to total assets | 80.4105% | 5,385 |
| Equity capital to assets | 19.0138% | 253 |
| Core capital (leverage) ratio | 18.9633% | 239 |
| Tier 1 risk-based capital ratio | 43.6696% | 187 |
| Total risk-based capital ratio | 44.7201% | 192 |
| Memoranda: | ||
| Average total assets | $84,593,250 | 5,174 |
| Average earning assets | $80,834,000 | 5,063 |
| Average equity | $15,610,250 | 3,809 |
| Average total loans | $20,107,500 | 6,263 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3191% | 6,792 |
| Cost of funding earning assets | 0.2533% | 6,155 |
| Net interest margin | 2.0658% | 6,741 |
| Noninterest income to average assets | 0.2982% | 5,319 |
| Noninterest expense to average assets | 1.6250% | 6,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6270% | 4,170 |
| Return on assets (ROA) | 0.6270% | 4,326 |
| Pretax return on assets | 0.6458% | 4,855 |
| Return on Equity (ROE) | 3.4315% | 5,459 |
| Retained earnings to average equity (ytd only) | 3.4315% | 4,138 |
| Net charge-offs to loans | 0.1500% | 2,904 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,558 |
| Efficiency ratio | 71.5615% | 3,548 |
| Assets per employee ($millions) | 5.9716% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 1,961 |
| Loan loss allowance to noncurrent loans | 402.1277% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 6,152 |
| Noncurrent loans to loans | 0.4855% | 5,050 |
| Net loans and leases to total assets | 22.7052% | 6,751 |
| Net loans and leases to deposits | 28.0753% | 6,736 |
| Net loans and leases to core deposits | 30.4565% | 6,708 |
| Total domestic deposits to total assets | 80.8725% | 5,379 |
| Equity capital to assets | 18.7795% | 267 |
| Core capital (leverage) ratio | 18.2930% | 268 |
| Tier 1 risk-based capital ratio | 44.3252% | 177 |
| Total risk-based capital ratio | 45.3924% | 177 |
| Memoranda: | ||
| Average total assets | $85,169,000 | 5,184 |
| Average earning assets | $81,325,000 | 5,076 |
| Average equity | $15,561,670 | 3,839 |
| Average total loans | $19,998,670 | 6,305 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2464% | 6,885 |
| Cost of funding earning assets | 0.2534% | 6,268 |
| Net interest margin | 1.9930% | 6,845 |
| Noninterest income to average assets | 0.3118% | 5,199 |
| Noninterest expense to average assets | 1.6148% | 6,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5631% | 4,396 |
| Return on assets (ROA) | 0.5631% | 4,550 |
| Pretax return on assets | 0.6003% | 4,944 |
| Return on Equity (ROE) | 3.1241% | 5,532 |
| Retained earnings to average equity (ytd only) | 3.1241% | 4,399 |
| Net charge-offs to loans | -0.1575% | 6,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8992% | 3,458 |
| Assets per employee ($millions) | 6.2118% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9906% | 2,068 |
| Loan loss allowance to noncurrent loans | 216.7568% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 5,926 |
| Noncurrent loans to loans | 0.9183% | 4,297 |
| Net loans and leases to total assets | 22.7034% | 6,803 |
| Net loans and leases to deposits | 27.7222% | 6,787 |
| Net loans and leases to core deposits | 29.9415% | 6,765 |
| Total domestic deposits to total assets | 81.8962% | 5,227 |
| Equity capital to assets | 17.8842% | 347 |
| Core capital (leverage) ratio | 18.0007% | 283 |
| Tier 1 risk-based capital ratio | 42.3938% | 204 |
| Total risk-based capital ratio | 43.4868% | 207 |
| Memoranda: | ||
| Average total assets | $85,952,500 | 5,198 |
| Average earning assets | $82,086,000 | 5,085 |
| Average equity | $15,492,500 | 3,908 |
| Average total loans | $20,318,000 | 6,343 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5329% | 6,930 |
| Cost of funding earning assets | 0.2992% | 6,454 |
| Net interest margin | 2.2338% | 6,868 |
| Noninterest income to average assets | 0.2878% | 5,406 |
| Noninterest expense to average assets | 1.8379% | 6,572 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5568% | 4,445 |
| Return on assets (ROA) | 0.5568% | 4,701 |
| Pretax return on assets | 0.5816% | 5,047 |
| Return on Equity (ROE) | 3.0300% | 5,541 |
| Retained earnings to average equity (ytd only) | 0.1412% | 5,771 |
| Net charge-offs to loans | 0.1983% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 12.0244% | 1,970 |
| Efficiency ratio | 75.9629% | 2,750 |
| Assets per employee ($millions) | 6.0671% | 1,243 |
| Cash dividends to net income (ytd only)* | 95.3390% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 2,242 |
| Loan loss allowance to noncurrent loans | 1,122.8571% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 6,542 |
| Noncurrent loans to loans | 0.1708% | 6,055 |
| Net loans and leases to total assets | 23.6614% | 6,866 |
| Net loans and leases to deposits | 29.1360% | 6,851 |
| Net loans and leases to core deposits | 31.5307% | 6,817 |
| Total domestic deposits to total assets | 81.2103% | 5,336 |
| Equity capital to assets | 18.1681% | 313 |
| Core capital (leverage) ratio | 18.1323% | 276 |
| Tier 1 risk-based capital ratio | 42.4703% | 195 |
| Total risk-based capital ratio | 43.5518% | 195 |
| Memoranda: | ||
| Average total assets | $84,771,200 | 5,229 |
| Average earning assets | $80,895,000 | 5,104 |
| Average equity | $15,577,800 | 3,846 |
| Average total loans | $20,680,800 | 6,390 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5278% | 7,043 |
| Cost of funding earning assets | 0.3067% | 6,584 |
| Net interest margin | 2.2211% | 6,980 |
| Noninterest income to average assets | 0.2958% | 5,407 |
| Noninterest expense to average assets | 1.7294% | 6,758 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6153% | 4,324 |
| Return on assets (ROA) | 0.6153% | 4,579 |
| Pretax return on assets | 0.6861% | 4,905 |
| Return on Equity (ROE) | 3.3387% | 5,558 |
| Retained earnings to average equity (ytd only) | 3.3387% | 4,521 |
| Net charge-offs to loans | 0.0322% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 87.1544% | 476 |
| Efficiency ratio | 71.5961% | 3,401 |
| Assets per employee ($millions) | 5.9895% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 2,367 |
| Loan loss allowance to noncurrent loans | 103.1250% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 5,437 |
| Noncurrent loans to loans | 1.8785% | 2,983 |
| Net loans and leases to total assets | 25.8977% | 6,921 |
| Net loans and leases to deposits | 32.1219% | 6,912 |
| Net loans and leases to core deposits | 34.7034% | 6,884 |
| Total domestic deposits to total assets | 80.6232% | 5,477 |
| Equity capital to assets | 18.8437% | 309 |
| Core capital (leverage) ratio | 18.7251% | 261 |
| Tier 1 risk-based capital ratio | 42.2950% | 205 |
| Total risk-based capital ratio | 43.4433% | 205 |
| Memoranda: | ||
| Average total assets | $84,729,000 | 5,278 |
| Average earning assets | $80,857,750 | 5,151 |
| Average equity | $15,614,250 | 3,882 |
| Average total loans | $20,728,250 | 6,479 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4928% | 7,124 |
| Cost of funding earning assets | 0.3205% | 6,642 |
| Net interest margin | 2.1723% | 7,057 |
| Noninterest income to average assets | 0.2893% | 5,493 |
| Noninterest expense to average assets | 1.5973% | 6,926 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6587% | 4,069 |
| Return on assets (ROA) | 0.6587% | 4,326 |
| Pretax return on assets | 0.7645% | 4,588 |
| Return on Equity (ROE) | 3.6008% | 5,436 |
| Retained earnings to average equity (ytd only) | 3.6008% | 4,197 |
| Net charge-offs to loans | 0.0592% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 54.1667% | 687 |
| Efficiency ratio | 67.6295% | 4,203 |
| Assets per employee ($millions) | 6.0435% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9783% | 2,288 |
| Loan loss allowance to noncurrent loans | 432.3232% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 6,495 |
| Noncurrent loans to loans | 0.4576% | 5,619 |
| Net loans and leases to total assets | 25.0647% | 7,006 |
| Net loans and leases to deposits | 31.0725% | 6,983 |
| Net loans and leases to core deposits | 33.9437% | 6,960 |
| Total domestic deposits to total assets | 80.6652% | 5,567 |
| Equity capital to assets | 18.5441% | 304 |
| Core capital (leverage) ratio | 18.3108% | 280 |
| Tier 1 risk-based capital ratio | 42.2729% | 199 |
| Total risk-based capital ratio | 43.4260% | 197 |
| Memoranda: | ||
| Average total assets | $85,021,000 | 5,302 |
| Average earning assets | $81,112,330 | 5,176 |
| Average equity | $15,552,000 | 3,875 |
| Average total loans | $20,256,000 | 6,552 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4866% | 7,177 |
| Cost of funding earning assets | 0.3348% | 6,706 |
| Net interest margin | 2.1517% | 7,110 |
| Noninterest income to average assets | 0.3238% | 5,278 |
| Noninterest expense to average assets | 1.5488% | 7,015 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6852% | 3,957 |
| Return on assets (ROA) | 0.6852% | 4,172 |
| Pretax return on assets | 0.8260% | 4,316 |
| Return on Equity (ROE) | 3.7719% | 5,393 |
| Retained earnings to average equity (ytd only) | 3.7719% | 4,323 |
| Net charge-offs to loans | -0.0818% | 6,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2174% | 4,695 |
| Assets per employee ($millions) | 6.1320% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2650% | 1,749 |
| Loan loss allowance to noncurrent loans | 796.3636% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 6,729 |
| Noncurrent loans to loans | 0.2844% | 6,108 |
| Net loans and leases to total assets | 22.0157% | 7,115 |
| Net loans and leases to deposits | 26.9530% | 7,112 |
| Net loans and leases to core deposits | 29.3670% | 7,085 |
| Total domestic deposits to total assets | 81.6816% | 5,399 |
| Equity capital to assets | 18.1204% | 328 |
| Core capital (leverage) ratio | 18.2443% | 283 |
| Tier 1 risk-based capital ratio | 44.1117% | 177 |
| Total risk-based capital ratio | 45.3538% | 172 |
| Memoranda: | ||
| Average total assets | $85,227,000 | 5,331 |
| Average earning assets | $81,237,000 | 5,213 |
| Average equity | $15,483,000 | 3,896 |
| Average total loans | $19,566,500 | 6,633 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8567% | 7,207 |
| Cost of funding earning assets | 0.4992% | 6,539 |
| Net interest margin | 2.3575% | 7,119 |
| Noninterest income to average assets | 0.4113% | 4,528 |
| Noninterest expense to average assets | 1.9416% | 6,775 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6145% | 3,919 |
| Return on assets (ROA) | 0.6145% | 4,112 |
| Pretax return on assets | 0.7149% | 4,270 |
| Return on Equity (ROE) | 3.2658% | 5,172 |
| Retained earnings to average equity (ytd only) | 0.3729% | 5,662 |
| Net charge-offs to loans | -0.2966% | 7,243 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0874% | 3,376 |
| Assets per employee ($millions) | 6.0433% | 1,201 |
| Cash dividends to net income (ytd only)* | 88.5827% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1925% | 1,808 |
| Loan loss allowance to noncurrent loans | 310.0000% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 6,536 |
| Noncurrent loans to loans | 0.7072% | 5,281 |
| Net loans and leases to total assets | 22.8837% | 7,173 |
| Net loans and leases to deposits | 28.1910% | 7,167 |
| Net loans and leases to core deposits | 30.7684% | 7,137 |
| Total domestic deposits to total assets | 81.1739% | 5,398 |
| Equity capital to assets | 18.2138% | 336 |
| Core capital (leverage) ratio | 18.3879% | 280 |
| Tier 1 risk-based capital ratio | 43.6791% | 179 |
| Total risk-based capital ratio | 44.9093% | 177 |
| Memoranda: | ||
| Average total assets | $82,664,800 | 5,378 |
| Average earning assets | $78,726,000 | 5,270 |
| Average equity | $15,555,000 | 3,803 |
| Average total loans | $20,230,400 | 6,651 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9289% | 7,275 |
| Cost of funding earning assets | 0.5228% | 6,611 |
| Net interest margin | 2.4061% | 7,175 |
| Noninterest income to average assets | 0.4608% | 4,213 |
| Noninterest expense to average assets | 1.8317% | 6,948 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7350% | 3,452 |
| Return on assets (ROA) | 0.7350% | 3,629 |
| Pretax return on assets | 0.9215% | 3,679 |
| Return on Equity (ROE) | 3.8738% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.8738% | 3,969 |
| Net charge-offs to loans | -0.6621% | 7,363 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5292% | 4,615 |
| Assets per employee ($millions) | 5.8391% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3013% | 1,687 |
| Loan loss allowance to noncurrent loans | 732.3077% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 6,858 |
| Noncurrent loans to loans | 0.3143% | 6,220 |
| Net loans and leases to total assets | 24.7199% | 7,215 |
| Net loans and leases to deposits | 30.8496% | 7,201 |
| Net loans and leases to core deposits | 33.8390% | 7,167 |
| Total domestic deposits to total assets | 80.1304% | 5,701 |
| Equity capital to assets | 19.3350% | 292 |
| Core capital (leverage) ratio | 19.2770% | 250 |
| Tier 1 risk-based capital ratio | 44.9660% | 182 |
| Total risk-based capital ratio | 46.2177% | 177 |
| Memoranda: | ||
| Average total assets | $82,179,500 | 5,431 |
| Average earning assets | $78,298,000 | 5,319 |
| Average equity | $15,591,250 | 3,807 |
| Average total loans | $20,339,250 | 6,704 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9222% | 7,356 |
| Cost of funding earning assets | 0.5411% | 6,696 |
| Net interest margin | 2.3812% | 7,242 |
| Noninterest income to average assets | 0.5248% | 3,665 |
| Noninterest expense to average assets | 1.6885% | 7,184 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8527% | 2,847 |
| Return on assets (ROA) | 0.8527% | 2,941 |
| Pretax return on assets | 1.1030% | 2,837 |
| Return on Equity (ROE) | 4.5233% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.5233% | 3,310 |
| Net charge-offs to loans | -0.9889% | 7,440 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4874% | 5,799 |
| Assets per employee ($millions) | 5.8857% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1928% | 1,932 |
| Loan loss allowance to noncurrent loans | 326.8966% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 6,659 |
| Noncurrent loans to loans | 0.6708% | 5,564 |
| Net loans and leases to total assets | 25.6578% | 7,290 |
| Net loans and leases to deposits | 31.8245% | 7,274 |
| Net loans and leases to core deposits | 34.8757% | 7,240 |
| Total domestic deposits to total assets | 80.6226% | 5,643 |
| Equity capital to assets | 19.0570% | 315 |
| Core capital (leverage) ratio | 18.9004% | 279 |
| Tier 1 risk-based capital ratio | 43.9183% | 193 |
| Total risk-based capital ratio | 45.1685% | 188 |
| Memoranda: | ||
| Average total assets | $82,323,330 | 5,478 |
| Average earning assets | $78,364,670 | 5,363 |
| Average equity | $15,519,670 | 3,818 |
| Average total loans | $20,224,330 | 6,771 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8513% | 7,432 |
| Cost of funding earning assets | 0.5580% | 6,773 |
| Net interest margin | 2.2933% | 7,316 |
| Noninterest income to average assets | 0.3889% | 4,797 |
| Noninterest expense to average assets | 1.6333% | 7,284 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7389% | 3,327 |
| Return on assets (ROA) | 0.7389% | 3,391 |
| Pretax return on assets | 0.9333% | 3,390 |
| Return on Equity (ROE) | 3.9409% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.9409% | 3,810 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 5,423 |
| Assets per employee ($millions) | 5.9018% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 2,727 |
| Loan loss allowance to noncurrent loans | 118.4127% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 6,248 |
| Noncurrent loans to loans | 1.5949% | 4,088 |
| Net loans and leases to total assets | 23.4530% | 7,383 |
| Net loans and leases to deposits | 28.9410% | 7,372 |
| Net loans and leases to core deposits | 32.3673% | 7,350 |
| Total domestic deposits to total assets | 81.0372% | 5,644 |
| Equity capital to assets | 18.7643% | 320 |
| Core capital (leverage) ratio | 18.8334% | 277 |
| Tier 1 risk-based capital ratio | 45.3307% | 171 |
| Total risk-based capital ratio | 46.4213% | 167 |
| Memoranda: | ||
| Average total assets | $82,285,000 | 5,517 |
| Average earning assets | $78,141,000 | 5,413 |
| Average equity | $15,428,000 | 3,823 |
| Average total loans | $19,528,500 | 6,868 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1118% | 7,477 |
| Cost of funding earning assets | 0.6206% | 7,082 |
| Net interest margin | 2.4912% | 7,277 |
| Noninterest income to average assets | 0.3721% | 5,118 |
| Noninterest expense to average assets | 1.9493% | 7,097 |
| Loan and lease loss provision to assets | 0.1800% | 5,418 |
| Net operating income to assets | 0.5065% | 4,067 |
| Return on assets (ROA) | 0.5065% | 4,226 |
| Pretax return on assets | 0.6134% | 4,277 |
| Return on Equity (ROE) | 2.7123% | 5,085 |
| Retained earnings to average equity (ytd only) | -0.1800% | 5,641 |
| Net charge-offs to loans | 1.5973% | 1,362 |
| Credit loss provision to net charge-offs | 53.5714% | 6,206 |
| Earnings coverage of net charge-offs (x) | 2.3607% | 3,966 |
| Efficiency ratio | 71.0722% | 3,981 |
| Assets per employee ($millions) | 5.8532% | 1,311 |
| Cash dividends to net income (ytd only)* | 106.6351% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 2,466 |
| Loan loss allowance to noncurrent loans | 358.6538% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 6,923 |
| Noncurrent loans to loans | 0.5387% | 5,973 |
| Net loans and leases to total assets | 23.1045% | 7,486 |
| Net loans and leases to deposits | 28.6560% | 7,478 |
| Net loans and leases to core deposits | 31.4152% | 7,457 |
| Total domestic deposits to total assets | 80.6272% | 5,649 |
| Equity capital to assets | 18.7345% | 331 |
| Core capital (leverage) ratio | 18.6268% | 296 |
| Tier 1 risk-based capital ratio | 45.8228% | 167 |
| Total risk-based capital ratio | 46.9361% | 166 |
| Memoranda: | ||
| Average total assets | $83,310,800 | 5,492 |
| Average earning assets | $79,278,200 | 5,373 |
| Average equity | $15,558,800 | 3,852 |
| Average total loans | $17,529,400 | 7,059 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1143% | 7,611 |
| Cost of funding earning assets | 0.6269% | 7,235 |
| Net interest margin | 2.4874% | 7,391 |
| Noninterest income to average assets | 0.3825% | 5,090 |
| Noninterest expense to average assets | 1.8425% | 7,282 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6886% | 3,469 |
| Return on assets (ROA) | 0.6886% | 3,626 |
| Pretax return on assets | 0.9117% | 3,517 |
| Return on Equity (ROE) | 3.6898% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.6898% | 3,862 |
| Net charge-offs to loans | 2.1695% | 845 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 2.0575% | 4,183 |
| Efficiency ratio | 66.8981% | 4,678 |
| Assets per employee ($millions) | 5.7873% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,560 |
| Loan loss allowance to noncurrent loans | 163.3094% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 6,932 |
| Noncurrent loans to loans | 0.7261% | 5,756 |
| Net loans and leases to total assets | 23.3480% | 7,574 |
| Net loans and leases to deposits | 29.2733% | 7,570 |
| Net loans and leases to core deposits | 32.1794% | 7,555 |
| Total domestic deposits to total assets | 79.7586% | 5,789 |
| Equity capital to assets | 19.5157% | 318 |
| Core capital (leverage) ratio | 19.3955% | 272 |
| Tier 1 risk-based capital ratio | 47.9108% | 161 |
| Total risk-based capital ratio | 48.5986% | 162 |
| Memoranda: | ||
| Average total assets | $83,652,250 | 5,550 |
| Average earning assets | $79,759,750 | 5,419 |
| Average equity | $15,610,500 | 3,876 |
| Average total loans | $17,085,250 | 7,164 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0675% | 7,705 |
| Cost of funding earning assets | 0.6334% | 7,332 |
| Net interest margin | 2.4341% | 7,456 |
| Noninterest income to average assets | 0.3857% | 5,033 |
| Noninterest expense to average assets | 1.6586% | 7,529 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7619% | 3,140 |
| Return on assets (ROA) | 0.7619% | 3,294 |
| Pretax return on assets | 1.0458% | 2,955 |
| Return on Equity (ROE) | 4.1433% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.1433% | 3,433 |
| Net charge-offs to loans | 3.1831% | 486 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.6935% | 4,244 |
| Efficiency ratio | 61.3298% | 5,808 |
| Assets per employee ($millions) | 5.8449% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 4,654 |
| Loan loss allowance to noncurrent loans | 155.7692% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 6,916 |
| Noncurrent loans to loans | 0.8701% | 5,529 |
| Net loans and leases to total assets | 21.6149% | 7,669 |
| Net loans and leases to deposits | 26.9176% | 7,677 |
| Net loans and leases to core deposits | 29.5320% | 7,664 |
| Total domestic deposits to total assets | 80.3001% | 5,634 |
| Equity capital to assets | 19.1890% | 331 |
| Core capital (leverage) ratio | 18.6213% | 318 |
| Tier 1 risk-based capital ratio | 49.2674% | 160 |
| Total risk-based capital ratio | 50.0298% | 162 |
| Memoranda: | ||
| Average total assets | $84,529,000 | 5,545 |
| Average earning assets | $80,521,330 | 5,417 |
| Average equity | $15,543,330 | 3,883 |
| Average total loans | $16,399,000 | 7,247 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9742% | 7,813 |
| Cost of funding earning assets | 0.6272% | 7,502 |
| Net interest margin | 2.3470% | 7,564 |
| Noninterest income to average assets | 0.3912% | 4,991 |
| Noninterest expense to average assets | 1.5557% | 7,683 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7825% | 3,042 |
| Return on assets (ROA) | 0.7825% | 3,158 |
| Pretax return on assets | 1.0666% | 2,856 |
| Return on Equity (ROE) | 4.3456% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.3456% | 3,547 |
| Net charge-offs to loans | 6.6524% | 151 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.8808% | 4,259 |
| Efficiency ratio | 59.3250% | 6,289 |
| Assets per employee ($millions) | 6.1207% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 3,485 |
| Loan loss allowance to noncurrent loans | 102.5210% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 6,783 |
| Noncurrent loans to loans | 1.5535% | 4,415 |
| Net loans and leases to total assets | 17.5937% | 7,810 |
| Net loans and leases to deposits | 21.6019% | 7,820 |
| Net loans and leases to core deposits | 23.8850% | 7,803 |
| Total domestic deposits to total assets | 81.4447% | 5,293 |
| Equity capital to assets | 18.1445% | 410 |
| Core capital (leverage) ratio | 18.2099% | 364 |
| Tier 1 risk-based capital ratio | 51.1313% | 149 |
| Total risk-based capital ratio | 51.9337% | 149 |
| Memoranda: | ||
| Average total assets | $85,879,500 | 5,575 |
| Average earning assets | $81,635,500 | 5,447 |
| Average equity | $15,464,000 | 3,934 |
| Average total loans | $15,633,500 | 7,370 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 7,795 |
| Cost of funding earning assets | 0.7501% | 7,622 |
| Net interest margin | 2.9149% | 6,833 |
| Noninterest income to average assets | 0.3461% | 5,615 |
| Noninterest expense to average assets | 1.9737% | 7,401 |
| Loan and lease loss provision to assets | 0.0673% | 6,903 |
| Net operating income to assets | 0.7618% | 2,669 |
| Return on assets (ROA) | 0.7618% | 2,765 |
| Pretax return on assets | 1.0772% | 2,317 |
| Return on Equity (ROE) | 4.1235% | 4,034 |
| Retained earnings to average equity (ytd only) | 0.0959% | 4,847 |
| Net charge-offs to loans | 0.3246% | 4,614 |
| Credit loss provision to net charge-offs | 103.6364% | 5,332 |
| Earnings coverage of net charge-offs (x) | 17.6182% | 1,175 |
| Efficiency ratio | 63.2955% | 5,915 |
| Assets per employee ($millions) | 6.1478% | 1,158 |
| Cash dividends to net income (ytd only)* | 97.6744% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1605% | 677 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 6,783 |
| Noncurrent loans to loans | 1.4485% | 4,495 |
| Net loans and leases to total assets | 17.9426% | 7,883 |
| Net loans and leases to deposits | 22.1075% | 7,899 |
| Net loans and leases to core deposits | 30.3464% | 7,860 |
| Total domestic deposits to total assets | 81.1605% | 5,287 |
| Equity capital to assets | 17.8694% | 457 |
| Core capital (leverage) ratio | 18.1960% | 389 |
| Tier 1 risk-based capital ratio | 49.7091% | 167 |
| Total risk-based capital ratio | 50.9632% | 164 |
| Memoranda: | ||
| Average total assets | $84,664,200 | 5,575 |
| Average earning assets | $80,517,600 | 5,440 |
| Average equity | $15,642,000 | 3,939 |
| Average total loans | $16,942,800 | 7,358 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 7,859 |
| Cost of funding earning assets | 0.7771% | 7,726 |
| Net interest margin | 3.0437% | 6,483 |
| Noninterest income to average assets | 0.3321% | 5,833 |
| Noninterest expense to average assets | 1.6114% | 7,826 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1133% | 1,696 |
| Return on assets (ROA) | 1.1133% | 1,756 |
| Pretax return on assets | 1.6193% | 1,139 |
| Return on Equity (ROE) | 5.9757% | 3,540 |
| Retained earnings to average equity (ytd only) | 5.9757% | 1,963 |
| Net charge-offs to loans | 0.3102% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 25.6010% | 1,046 |
| Efficiency ratio | 49.8776% | 7,566 |
| Assets per employee ($millions) | 6.0231% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7373% | 844 |
| Loan loss allowance to noncurrent loans | 169.2308% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 6,673 |
| Noncurrent loans to loans | 1.6175% | 4,214 |
| Net loans and leases to total assets | 19.4678% | 7,954 |
| Net loans and leases to deposits | 24.2113% | 7,969 |
| Net loans and leases to core deposits | 33.9784% | 7,917 |
| Total domestic deposits to total assets | 80.4077% | 5,289 |
| Equity capital to assets | 19.0563% | 413 |
| Core capital (leverage) ratio | 18.7748% | 396 |
| Tier 1 risk-based capital ratio | 51.9108% | 158 |
| Total risk-based capital ratio | 53.1643% | 158 |
| Memoranda: | ||
| Average total assets | $84,313,000 | 5,611 |
| Average earning assets | $80,293,750 | 5,485 |
| Average equity | $15,707,500 | 3,967 |
| Average total loans | $17,191,750 | 7,407 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 7,918 |
| Cost of funding earning assets | 0.8212% | 7,794 |
| Net interest margin | 3.1400% | 6,123 |
| Noninterest income to average assets | 0.3060% | 6,067 |
| Noninterest expense to average assets | 1.6416% | 7,889 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0675% | 1,883 |
| Return on assets (ROA) | 1.0675% | 1,957 |
| Pretax return on assets | 1.6487% | 1,119 |
| Return on Equity (ROE) | 5.7740% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.7740% | 2,130 |
| Net charge-offs to loans | 0.0463% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 173.7500% | 235 |
| Efficiency ratio | 49.8919% | 7,678 |
| Assets per employee ($millions) | 6.1299% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0118% | 563 |
| Loan loss allowance to noncurrent loans | 220.3540% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 6,817 |
| Noncurrent loans to loans | 1.3668% | 4,479 |
| Net loans and leases to total assets | 18.6870% | 8,045 |
| Net loans and leases to deposits | 23.0427% | 8,057 |
| Net loans and leases to core deposits | 31.9024% | 8,020 |
| Total domestic deposits to total assets | 81.0974% | 5,040 |
| Equity capital to assets | 18.4283% | 513 |
| Core capital (leverage) ratio | 18.5452% | 450 |
| Tier 1 risk-based capital ratio | 51.3708% | 179 |
| Total risk-based capital ratio | 52.6246% | 173 |
| Memoranda: | ||
| Average total assets | $84,309,330 | 5,638 |
| Average earning assets | $80,127,000 | 5,524 |
| Average equity | $15,587,000 | 3,999 |
| Average total loans | $17,296,330 | 7,470 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0333% | 7,977 |
| Cost of funding earning assets | 0.8873% | 7,829 |
| Net interest margin | 3.1460% | 6,036 |
| Noninterest income to average assets | 0.3112% | 5,950 |
| Noninterest expense to average assets | 1.7809% | 7,722 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0388% | 2,168 |
| Return on assets (ROA) | 1.0388% | 2,297 |
| Pretax return on assets | 1.5176% | 1,620 |
| Return on Equity (ROE) | 5.6098% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.6098% | 2,820 |
| Net charge-offs to loans | -0.1358% | 7,950 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9913% | 7,225 |
| Assets per employee ($millions) | 6.0874% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9830% | 490 |
| Loan loss allowance to noncurrent loans | 87.8893% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 5,316 |
| Noncurrent loans to loans | 3.3940% | 1,888 |
| Net loans and leases to total assets | 19.3868% | 8,090 |
| Net loans and leases to deposits | 23.8416% | 8,104 |
| Net loans and leases to core deposits | 32.2299% | 8,069 |
| Total domestic deposits to total assets | 81.3149% | 4,831 |
| Equity capital to assets | 18.2826% | 569 |
| Core capital (leverage) ratio | 18.5448% | 492 |
| Tier 1 risk-based capital ratio | 50.1255% | 205 |
| Total risk-based capital ratio | 51.3801% | 197 |
| Memoranda: | ||
| Average total assets | $83,554,500 | 5,684 |
| Average earning assets | $79,339,500 | 5,572 |
| Average equity | $15,473,000 | 4,045 |
| Average total loans | $17,677,000 | 7,497 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 7,890 |
| Cost of funding earning assets | 1.2896% | 7,858 |
| Net interest margin | 3.6290% | 4,761 |
| Noninterest income to average assets | 0.3115% | 6,225 |
| Noninterest expense to average assets | 2.2196% | 6,921 |
| Loan and lease loss provision to assets | 0.0308% | 7,018 |
| Net operating income to assets | 1.0464% | 2,372 |
| Return on assets (ROA) | 1.0464% | 2,265 |
| Pretax return on assets | 1.5253% | 1,611 |
| Return on Equity (ROE) | 5.3790% | 4,203 |
| Retained earnings to average equity (ytd only) | 0.0380% | 5,214 |
| Net charge-offs to loans | 0.1386% | 4,837 |
| Credit loss provision to net charge-offs | 96.1538% | 5,505 |
| Earnings coverage of net charge-offs (x) | 48.6154% | 776 |
| Efficiency ratio | 58.7871% | 6,559 |
| Assets per employee ($millions) | 5.8490% | 1,233 |
| Cash dividends to net income (ytd only)* | 99.2941% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7396% | 544 |
| Loan loss allowance to noncurrent loans | 89.1652% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 4,970 |
| Noncurrent loans to loans | 3.0725% | 1,739 |
| Net loans and leases to total assets | 21.7644% | 8,130 |
| Net loans and leases to deposits | 27.2695% | 8,145 |
| Net loans and leases to core deposits | 36.7108% | 8,101 |
| Total domestic deposits to total assets | 79.8122% | 5,098 |
| Equity capital to assets | 18.7639% | 571 |
| Core capital (leverage) ratio | 18.7447% | 533 |
| Tier 1 risk-based capital ratio | 48.8460% | 228 |
| Total risk-based capital ratio | 50.1176% | 225 |
| Memoranda: | ||
| Average total assets | $81,230,200 | 5,653 |
| Average earning assets | $77,541,800 | 5,523 |
| Average equity | $15,802,200 | 3,973 |
| Average total loans | $18,753,000 | 7,417 |