Home > Bank of Newington > Performance and Condition Ratios
Bank of Newington, 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 | 7.8893% | 149 |
| Cost of funding earning assets | 2.8547% | 443 |
| Net interest margin | 5.0346% | 282 |
| Noninterest income to average assets | 0.3000% | 2,864 |
| Noninterest expense to average assets | 2.8669% | 1,378 |
| Loan and lease loss provision to assets | 0.2100% | 551 |
| Net operating income to assets | 1.5374% | 1,016 |
| Return on assets (ROA) | 1.5374% | 1,011 |
| Pretax return on assets | 1.9530% | 756 |
| Return on Equity (ROE) | 17.3800% | 707 |
| Retained earnings to average equity (ytd only) | 9.3338% | 1,356 |
| Net charge-offs to loans | -0.0018% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 56.9570% | 3,308 |
| Assets per employee ($millions) | 6.8374% | 2,336 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 654 |
| Loan loss allowance to noncurrent loans | 720.9346% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 1,795 |
| Noncurrent loans to loans | 0.2358% | 2,652 |
| Net loans and leases to total assets | 77.6700% | 871 |
| Net loans and leases to deposits | 89.3049% | 1,158 |
| Net loans and leases to core deposits | 121.6811% | 502 |
| Total domestic deposits to total assets | 86.9800% | 1,925 |
| Equity capital to assets | 8.7655% | 3,111 |
| Core capital (leverage) ratio | 9.0659% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9102% | 2,246 |
| Memoranda: | ||
| Average total assets | $280,997,000 | 2,568 |
| Average earning assets | $264,409,000 | 2,555 |
| Average equity | $24,856,000 | 2,697 |
| Average total loans | $223,029,000 | 2,269 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7746% | 194 |
| Cost of funding earning assets | 2.7949% | 713 |
| Net interest margin | 4.9798% | 343 |
| Noninterest income to average assets | 0.1300% | 4,080 |
| Noninterest expense to average assets | 2.8342% | 1,442 |
| Loan and lease loss provision to assets | 0.2600% | 483 |
| Net operating income to assets | 1.3923% | 1,080 |
| Return on assets (ROA) | 1.3923% | 1,081 |
| Pretax return on assets | 1.7636% | 884 |
| Return on Equity (ROE) | 16.2100% | 763 |
| Retained earnings to average equity (ytd only) | 14.0425% | 167 |
| Net charge-offs to loans | 0.0320% | 1,939 |
| Credit loss provision to net charge-offs | 992.5373% | 394 |
| Earnings coverage of net charge-offs (x) | 81.0597% | 919 |
| Efficiency ratio | 58.3321% | 3,322 |
| Assets per employee ($millions) | 7.0467% | 2,135 |
| Cash dividends to net income (ytd only)* | 13.3869% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 666 |
| Loan loss allowance to noncurrent loans | 170.8621% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 663 |
| Noncurrent loans to loans | 0.9898% | 1,009 |
| Net loans and leases to total assets | 78.3900% | 847 |
| Net loans and leases to deposits | 90.3767% | 1,184 |
| Net loans and leases to core deposits | 124.1630% | 489 |
| Total domestic deposits to total assets | 86.7400% | 1,957 |
| Equity capital to assets | 8.9294% | 2,875 |
| Core capital (leverage) ratio | 9.3465% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1981% | 2,149 |
| Memoranda: | ||
| Average total assets | $268,255,400 | 2,607 |
| Average earning assets | $254,609,800 | 2,571 |
| Average equity | $23,037,200 | 2,761 |
| Average total loans | $209,572,400 | 2,297 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7581% | 199 |
| Cost of funding earning assets | 2.7767% | 743 |
| Net interest margin | 4.9814% | 344 |
| Noninterest income to average assets | 0.1300% | 4,095 |
| Noninterest expense to average assets | 2.6110% | 1,924 |
| Loan and lease loss provision to assets | 0.2400% | 464 |
| Net operating income to assets | 1.5283% | 905 |
| Return on assets (ROA) | 1.5283% | 902 |
| Pretax return on assets | 2.0104% | 631 |
| Return on Equity (ROE) | 17.9800% | 586 |
| Retained earnings to average equity (ytd only) | 15.0383% | 237 |
| Net charge-offs to loans | 0.0663% | 1,244 |
| Credit loss provision to net charge-offs | 441.7476% | 696 |
| Earnings coverage of net charge-offs (x) | 43.7864% | 1,284 |
| Efficiency ratio | 53.6533% | 3,758 |
| Assets per employee ($millions) | 6.7357% | 2,319 |
| Cash dividends to net income (ytd only)* | 16.3613% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 751 |
| Loan loss allowance to noncurrent loans | 1,423.8683% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 1,992 |
| Noncurrent loans to loans | 0.1157% | 3,106 |
| Net loans and leases to total assets | 76.6700% | 1,040 |
| Net loans and leases to deposits | 85.1258% | 1,722 |
| Net loans and leases to core deposits | 115.0217% | 762 |
| Total domestic deposits to total assets | 90.0600% | 573 |
| Equity capital to assets | 8.9401% | 3,077 |
| Core capital (leverage) ratio | 8.9025% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5268% | 2,067 |
| Memoranda: | ||
| Average total assets | $266,613,500 | 2,607 |
| Average earning assets | $253,631,250 | 2,573 |
| Average equity | $22,661,500 | 2,777 |
| Average total loans | $207,179,250 | 2,304 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6050% | 213 |
| Cost of funding earning assets | 2.6569% | 832 |
| Net interest margin | 4.9481% | 358 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 2.4918% | 2,265 |
| Loan and lease loss provision to assets | 0.2300% | 466 |
| Net operating income to assets | 1.6072% | 788 |
| Return on assets (ROA) | 1.6072% | 786 |
| Pretax return on assets | 2.1176% | 546 |
| Return on Equity (ROE) | 19.2500% | 499 |
| Retained earnings to average equity (ytd only) | 14.7388% | 296 |
| Net charge-offs to loans | -0.0029% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 51.5336% | 3,925 |
| Assets per employee ($millions) | 6.9894% | 2,079 |
| Cash dividends to net income (ytd only)* | 23.4192% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 823 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 2,364 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.4300% | 1,486 |
| Net loans and leases to deposits | 80.7635% | 2,133 |
| Net loans and leases to core deposits | 111.3248% | 923 |
| Total domestic deposits to total assets | 90.9300% | 473 |
| Equity capital to assets | 8.2736% | 3,248 |
| Core capital (leverage) ratio | 8.5747% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1040% | 2,215 |
| Memoranda: | ||
| Average total assets | $265,676,000 | 2,611 |
| Average earning assets | $253,149,333 | 2,574 |
| Average equity | $22,186,333 | 2,777 |
| Average total loans | $206,233,667 | 2,306 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5176% | 222 |
| Cost of funding earning assets | 2.5351% | 933 |
| Net interest margin | 4.9825% | 331 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 2.5370% | 2,138 |
| Loan and lease loss provision to assets | 0.2300% | 428 |
| Net operating income to assets | 1.5878% | 790 |
| Return on assets (ROA) | 1.5878% | 799 |
| Pretax return on assets | 2.0980% | 556 |
| Return on Equity (ROE) | 18.9200% | 520 |
| Retained earnings to average equity (ytd only) | 9.7080% | 1,168 |
| Net charge-offs to loans | -0.0020% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.1283% | 3,894 |
| Assets per employee ($millions) | 6.7072% | 2,277 |
| Cash dividends to net income (ytd only)* | 48.6855% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,003 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 2,282 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 78.0200% | 845 |
| Net loans and leases to deposits | 85.7290% | 1,557 |
| Net loans and leases to core deposits | 117.3785% | 713 |
| Total domestic deposits to total assets | 91.0100% | 524 |
| Equity capital to assets | 8.1931% | 3,240 |
| Core capital (leverage) ratio | 8.7583% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1741% | 2,535 |
| Memoranda: | ||
| Average total assets | $258,726,500 | 2,654 |
| Average earning assets | $246,301,000 | 2,615 |
| Average equity | $21,714,000 | 2,825 |
| Average total loans | $205,008,000 | 2,306 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0367% | 213 |
| Cost of funding earning assets | 2.0627% | 826 |
| Net interest margin | 4.9741% | 327 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.6324% | 1,912 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.5977% | 870 |
| Return on assets (ROA) | 1.5977% | 838 |
| Pretax return on assets | 2.0875% | 586 |
| Return on Equity (ROE) | 18.6800% | 744 |
| Retained earnings to average equity (ytd only) | 18.6832% | 163 |
| Net charge-offs to loans | -0.0695% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.8593% | 3,763 |
| Assets per employee ($millions) | 6.2292% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 891 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 2,062 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.9900% | 869 |
| Net loans and leases to deposits | 86.0789% | 1,607 |
| Net loans and leases to core deposits | 109.3950% | 978 |
| Total domestic deposits to total assets | 90.6100% | 600 |
| Equity capital to assets | 8.6075% | 2,967 |
| Core capital (leverage) ratio | 9.0849% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7318% | 2,329 |
| Memoranda: | ||
| Average total assets | $230,702,000 | 2,785 |
| Average earning assets | $219,619,600 | 2,742 |
| Average equity | $19,729,000 | 2,878 |
| Average total loans | $184,057,600 | 2,406 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9867% | 201 |
| Cost of funding earning assets | 1.9412% | 793 |
| Net interest margin | 5.0455% | 293 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.5471% | 2,094 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 1.6389% | 879 |
| Return on assets (ROA) | 1.6389% | 871 |
| Pretax return on assets | 2.1637% | 584 |
| Return on Equity (ROE) | 19.2000% | 803 |
| Retained earnings to average equity (ytd only) | 19.1986% | 289 |
| Net charge-offs to loans | -0.0819% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.1851% | 3,817 |
| Assets per employee ($millions) | 6.2036% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 926 |
| Loan loss allowance to noncurrent loans | 276.7061% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 1,248 |
| Noncurrent loans to loans | 0.5697% | 1,408 |
| Net loans and leases to total assets | 80.5400% | 588 |
| Net loans and leases to deposits | 89.4130% | 1,277 |
| Net loans and leases to core deposits | 110.0617% | 873 |
| Total domestic deposits to total assets | 90.0800% | 919 |
| Equity capital to assets | 8.6644% | 2,619 |
| Core capital (leverage) ratio | 8.8783% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6193% | 2,416 |
| Memoranda: | ||
| Average total assets | $226,085,750 | 2,818 |
| Average earning assets | $215,261,000 | 2,784 |
| Average equity | $19,299,500 | 2,908 |
| Average total loans | $180,710,750 | 2,444 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8290% | 197 |
| Cost of funding earning assets | 1.7798% | 766 |
| Net interest margin | 5.0493% | 294 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.5172% | 2,156 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.6602% | 852 |
| Return on assets (ROA) | 1.6602% | 853 |
| Pretax return on assets | 2.1941% | 538 |
| Return on Equity (ROE) | 19.5500% | 759 |
| Retained earnings to average equity (ytd only) | 19.5515% | 262 |
| Net charge-offs to loans | 0.0170% | 1,576 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 657 |
| Efficiency ratio | 50.5405% | 3,878 |
| Assets per employee ($millions) | 6.4861% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,188 |
| Loan loss allowance to noncurrent loans | 475.9036% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 1,959 |
| Noncurrent loans to loans | 0.3147% | 2,011 |
| Net loans and leases to total assets | 77.8700% | 846 |
| Net loans and leases to deposits | 85.8865% | 1,511 |
| Net loans and leases to core deposits | 102.0898% | 1,128 |
| Total domestic deposits to total assets | 90.6700% | 737 |
| Equity capital to assets | 8.3670% | 2,977 |
| Core capital (leverage) ratio | 8.8196% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5356% | 2,450 |
| Memoranda: | ||
| Average total assets | $222,869,000 | 2,849 |
| Average earning assets | $212,387,000 | 2,809 |
| Average equity | $18,924,333 | 2,959 |
| Average total loans | $176,643,000 | 2,477 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6498% | 156 |
| Cost of funding earning assets | 1.5324% | 789 |
| Net interest margin | 5.1175% | 248 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.5667% | 2,059 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.7651% | 720 |
| Return on assets (ROA) | 1.7651% | 715 |
| Pretax return on assets | 2.2413% | 533 |
| Return on Equity (ROE) | 20.6300% | 692 |
| Retained earnings to average equity (ytd only) | 20.6252% | 340 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.4882% | 3,895 |
| Assets per employee ($millions) | 6.3384% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,397 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 77.8000% | 782 |
| Net loans and leases to deposits | 85.7287% | 1,377 |
| Net loans and leases to core deposits | 101.4551% | 1,025 |
| Total domestic deposits to total assets | 90.7500% | 889 |
| Equity capital to assets | 8.2947% | 3,042 |
| Core capital (leverage) ratio | 9.0909% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1033% | 2,699 |
| Memoranda: | ||
| Average total assets | $217,553,000 | 2,926 |
| Average earning assets | $207,523,500 | 2,880 |
| Average equity | $18,618,000 | 3,011 |
| Average total loans | $172,669,000 | 2,525 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4122% | 73 |
| Cost of funding earning assets | 0.8614% | 303 |
| Net interest margin | 5.5507% | 79 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 3.1097% | 823 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.6915% | 546 |
| Return on assets (ROA) | 1.6915% | 518 |
| Pretax return on assets | 2.2187% | 308 |
| Return on Equity (ROE) | 18.8000% | 597 |
| Retained earnings to average equity (ytd only) | 17.8035% | 146 |
| Net charge-offs to loans | 0.0178% | 1,747 |
| Credit loss provision to net charge-offs | 1,018.5185% | 420 |
| Earnings coverage of net charge-offs (x) | 166.5185% | 737 |
| Efficiency ratio | 56.8191% | 3,488 |
| Assets per employee ($millions) | 5.7479% | 2,993 |
| Cash dividends to net income (ytd only)* | 5.3139% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,302 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.6600% | 736 |
| Net loans and leases to deposits | 87.0274% | 1,245 |
| Net loans and leases to core deposits | 98.6724% | 1,071 |
| Total domestic deposits to total assets | 90.3900% | 1,203 |
| Equity capital to assets | 8.8482% | 2,456 |
| Core capital (leverage) ratio | 9.0151% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3039% | 2,235 |
| Memoranda: | ||
| Average total assets | $190,242,800 | 3,099 |
| Average earning assets | $180,048,200 | 3,063 |
| Average equity | $17,114,600 | 3,198 |
| Average total loans | $151,676,200 | 2,618 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3038% | 61 |
| Cost of funding earning assets | 0.7570% | 191 |
| Net interest margin | 5.5468% | 72 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.9063% | 1,040 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.8759% | 364 |
| Return on assets (ROA) | 1.8759% | 357 |
| Pretax return on assets | 2.4742% | 218 |
| Return on Equity (ROE) | 20.7600% | 379 |
| Retained earnings to average equity (ytd only) | 19.7505% | 111 |
| Net charge-offs to loans | -0.0045% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.1307% | 3,904 |
| Assets per employee ($millions) | 5.4825% | 3,241 |
| Cash dividends to net income (ytd only)* | 4.8510% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,501 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 80.1400% | 519 |
| Net loans and leases to deposits | 89.1164% | 956 |
| Net loans and leases to core deposits | 95.6527% | 1,021 |
| Total domestic deposits to total assets | 89.9300% | 1,695 |
| Equity capital to assets | 9.0293% | 2,196 |
| Core capital (leverage) ratio | 9.1785% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4384% | 2,296 |
| Memoranda: | ||
| Average total assets | $186,072,500 | 3,162 |
| Average earning assets | $175,785,000 | 3,122 |
| Average equity | $16,816,000 | 3,251 |
| Average total loans | $148,298,500 | 2,658 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1916% | 58 |
| Cost of funding earning assets | 0.7930% | 105 |
| Net interest margin | 5.3986% | 78 |
| Noninterest income to average assets | 0.2457% | 3,696 |
| Noninterest expense to average assets | 2.9214% | 957 |
| Loan and lease loss provision to assets | 0.0549% | 1,595 |
| Net operating income to assets | 1.7893% | 347 |
| Return on assets (ROA) | 1.7893% | 343 |
| Pretax return on assets | 2.3630% | 200 |
| Return on Equity (ROE) | 19.7925% | 321 |
| Retained earnings to average equity (ytd only) | 18.7974% | 99 |
| Net charge-offs to loans | -0.0014% | 3,071 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7154% | 3,893 |
| Assets per employee ($millions) | 5.2002% | 3,512 |
| Cash dividends to net income (ytd only)* | 5.0276% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 78.0452% | 550 |
| Net loans and leases to deposits | 86.5919% | 933 |
| Net loans and leases to core deposits | 93.1655% | 964 |
| Total domestic deposits to total assets | 90.1299% | 1,660 |
| Equity capital to assets | 8.8904% | 2,457 |
| Core capital (leverage) ratio | 9.1348% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5300% | 2,280 |
| Memoranda: | ||
| Average total assets | $182,307,000 | 3,224 |
| Average earning assets | $172,006,000 | 3,201 |
| Average equity | $16,481,000 | 3,359 |
| Average total loans | $144,239,000 | 2,706 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3034% | 53 |
| Cost of funding earning assets | 0.8307% | 73 |
| Net interest margin | 5.4727% | 73 |
| Noninterest income to average assets | 0.3385% | 3,067 |
| Noninterest expense to average assets | 3.0216% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8820% | 284 |
| Return on assets (ROA) | 1.8820% | 283 |
| Pretax return on assets | 2.4755% | 188 |
| Return on Equity (ROE) | 20.6327% | 212 |
| Retained earnings to average equity (ytd only) | 19.5937% | 105 |
| Net charge-offs to loans | -0.0029% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9672% | 3,979 |
| Assets per employee ($millions) | 4.9073% | 3,829 |
| Cash dividends to net income (ytd only)* | 5.0360% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 1,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 75.0632% | 576 |
| Net loans and leases to deposits | 84.4866% | 856 |
| Net loans and leases to core deposits | 91.9985% | 814 |
| Total domestic deposits to total assets | 88.8462% | 2,151 |
| Equity capital to assets | 9.0824% | 2,642 |
| Core capital (leverage) ratio | 9.1653% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0725% | 2,175 |
| Memoranda: | ||
| Average total assets | $177,256,000 | 3,281 |
| Average earning assets | $167,083,500 | 3,259 |
| Average equity | $16,168,500 | 3,456 |
| Average total loans | $140,165,500 | 2,750 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4910% | 52 |
| Cost of funding earning assets | 1.0313% | 67 |
| Net interest margin | 5.4597% | 87 |
| Noninterest income to average assets | 0.2194% | 4,053 |
| Noninterest expense to average assets | 3.1968% | 734 |
| Loan and lease loss provision to assets | 0.1199% | 1,035 |
| Net operating income to assets | 1.5861% | 844 |
| Return on assets (ROA) | 1.5861% | 878 |
| Pretax return on assets | 2.0309% | 571 |
| Return on Equity (ROE) | 18.2380% | 443 |
| Retained earnings to average equity (ytd only) | 17.5349% | 106 |
| Net charge-offs to loans | -0.0748% | 4,486 |
| Credit loss provision to net charge-offs | -200.0000% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7803% | 3,185 |
| Assets per employee ($millions) | 4.8039% | 3,883 |
| Cash dividends to net income (ytd only)* | 3.8549% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 1,458 |
| Loan loss allowance to noncurrent loans | 480.9313% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 2,250 |
| Noncurrent loans to loans | 0.3179% | 2,451 |
| Net loans and leases to total assets | 80.7784% | 235 |
| Net loans and leases to deposits | 89.7272% | 575 |
| Net loans and leases to core deposits | 97.9546% | 615 |
| Total domestic deposits to total assets | 90.0267% | 943 |
| Equity capital to assets | 9.1627% | 3,451 |
| Core capital (leverage) ratio | 8.9601% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1380% | 2,585 |
| Memoranda: | ||
| Average total assets | $166,820,600 | 3,328 |
| Average earning assets | $156,695,000 | 3,310 |
| Average equity | $14,508,200 | 3,690 |
| Average total loans | $133,735,200 | 2,805 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3624% | 66 |
| Cost of funding earning assets | 1.0699% | 61 |
| Net interest margin | 5.2925% | 107 |
| Noninterest income to average assets | 0.2242% | 4,061 |
| Noninterest expense to average assets | 2.9249% | 1,089 |
| Loan and lease loss provision to assets | 0.1210% | 975 |
| Net operating income to assets | 1.6827% | 861 |
| Return on assets (ROA) | 1.6827% | 905 |
| Pretax return on assets | 2.1465% | 613 |
| Return on Equity (ROE) | 19.6226% | 454 |
| Retained earnings to average equity (ytd only) | 18.7290% | 173 |
| Net charge-offs to loans | -0.1002% | 4,616 |
| Credit loss provision to net charge-offs | -151.5152% | 3,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3306% | 3,492 |
| Assets per employee ($millions) | 5.0400% | 3,663 |
| Cash dividends to net income (ytd only)* | 4.5542% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,648 |
| Loan loss allowance to noncurrent loans | 242.0571% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 1,493 |
| Noncurrent loans to loans | 0.6183% | 1,766 |
| Net loans and leases to total assets | 81.3505% | 228 |
| Net loans and leases to deposits | 90.5420% | 577 |
| Net loans and leases to core deposits | 98.9242% | 630 |
| Total domestic deposits to total assets | 89.8483% | 838 |
| Equity capital to assets | 8.8953% | 3,927 |
| Core capital (leverage) ratio | 9.0708% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8773% | 2,745 |
| Memoranda: | ||
| Average total assets | $165,290,500 | 3,377 |
| Average earning assets | $155,157,750 | 3,356 |
| Average equity | $14,173,750 | 3,771 |
| Average total loans | $131,702,000 | 2,871 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2997% | 70 |
| Cost of funding earning assets | 1.1239% | 64 |
| Net interest margin | 5.1758% | 138 |
| Noninterest income to average assets | 0.2278% | 4,035 |
| Noninterest expense to average assets | 2.8738% | 1,199 |
| Loan and lease loss provision to assets | 0.1837% | 622 |
| Net operating income to assets | 1.6194% | 1,011 |
| Return on assets (ROA) | 1.6194% | 1,068 |
| Pretax return on assets | 2.0274% | 797 |
| Return on Equity (ROE) | 19.1354% | 529 |
| Retained earnings to average equity (ytd only) | 17.8471% | 229 |
| Net charge-offs to loans | -0.0109% | 3,704 |
| Credit loss provision to net charge-offs | -2,142.8571% | 3,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5165% | 3,470 |
| Assets per employee ($millions) | 5.2419% | 3,415 |
| Cash dividends to net income (ytd only)* | 6.7322% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 1,669 |
| Loan loss allowance to noncurrent loans | 280.6094% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 1,897 |
| Noncurrent loans to loans | 0.5254% | 2,101 |
| Net loans and leases to total assets | 80.7114% | 274 |
| Net loans and leases to deposits | 89.3762% | 688 |
| Net loans and leases to core deposits | 97.5193% | 739 |
| Total domestic deposits to total assets | 90.3053% | 645 |
| Equity capital to assets | 8.6097% | 4,118 |
| Core capital (leverage) ratio | 8.6187% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6736% | 2,816 |
| Memoranda: | ||
| Average total assets | $163,267,000 | 3,402 |
| Average earning assets | $153,214,333 | 3,382 |
| Average equity | $13,817,333 | 3,807 |
| Average total loans | $128,429,000 | 2,918 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1081% | 92 |
| Cost of funding earning assets | 1.1650% | 65 |
| Net interest margin | 4.9432% | 198 |
| Noninterest income to average assets | 0.2037% | 4,165 |
| Noninterest expense to average assets | 2.9088% | 1,135 |
| Loan and lease loss provision to assets | 0.3726% | 215 |
| Net operating income to assets | 1.2818% | 1,885 |
| Return on assets (ROA) | 1.2818% | 1,957 |
| Pretax return on assets | 1.5600% | 1,830 |
| Return on Equity (ROE) | 15.2832% | 1,156 |
| Retained earnings to average equity (ytd only) | 15.0463% | 619 |
| Net charge-offs to loans | -0.0194% | 3,979 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0821% | 3,021 |
| Assets per employee ($millions) | 4.8464% | 3,807 |
| Cash dividends to net income (ytd only)* | 1.5504% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,256 |
| Loan loss allowance to noncurrent loans | 330.3426% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 2,311 |
| Noncurrent loans to loans | 0.4879% | 2,392 |
| Net loans and leases to total assets | 75.0205% | 711 |
| Net loans and leases to deposits | 82.7192% | 1,276 |
| Net loans and leases to core deposits | 92.4924% | 1,082 |
| Total domestic deposits to total assets | 90.6930% | 511 |
| Equity capital to assets | 8.2893% | 4,288 |
| Core capital (leverage) ratio | 8.4598% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9982% | 2,666 |
| Memoranda: | ||
| Average total assets | $161,029,500 | 3,424 |
| Average earning assets | $151,077,500 | 3,405 |
| Average equity | $13,505,000 | 3,845 |
| Average total loans | $123,937,000 | 2,975 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3611% | 61 |
| Cost of funding earning assets | 1.5503% | 65 |
| Net interest margin | 4.8108% | 168 |
| Noninterest income to average assets | 0.2487% | 4,000 |
| Noninterest expense to average assets | 3.1926% | 1,068 |
| Loan and lease loss provision to assets | 0.3272% | 1,105 |
| Net operating income to assets | 0.9643% | 2,423 |
| Return on assets (ROA) | 0.9658% | 2,562 |
| Pretax return on assets | 1.2145% | 2,279 |
| Return on Equity (ROE) | 11.2665% | 1,539 |
| Retained earnings to average equity (ytd only) | 10.8161% | 455 |
| Net charge-offs to loans | 0.3242% | 548 |
| Credit loss provision to net charge-offs | 129.1990% | 2,556 |
| Earnings coverage of net charge-offs (x) | 6.0801% | 2,812 |
| Efficiency ratio | 67.4640% | 2,304 |
| Assets per employee ($millions) | 5.0735% | 3,311 |
| Cash dividends to net income (ytd only)* | 3.9973% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,481 |
| Loan loss allowance to noncurrent loans | 305.0571% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 2,426 |
| Noncurrent loans to loans | 0.5015% | 2,468 |
| Net loans and leases to total assets | 76.5266% | 732 |
| Net loans and leases to deposits | 84.4811% | 1,409 |
| Net loans and leases to core deposits | 94.8927% | 1,189 |
| Total domestic deposits to total assets | 90.5843% | 342 |
| Equity capital to assets | 8.4887% | 4,450 |
| Core capital (leverage) ratio | 8.5888% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2115% | 2,544 |
| Memoranda: | ||
| Average total assets | $152,821,000 | 3,373 |
| Average earning assets | $142,428,600 | 3,354 |
| Average equity | $13,100,800 | 3,855 |
| Average total loans | $119,365,600 | 2,988 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4500% | 65 |
| Cost of funding earning assets | 1.6309% | 64 |
| Net interest margin | 4.8191% | 195 |
| Noninterest income to average assets | 0.2522% | 3,967 |
| Noninterest expense to average assets | 3.0110% | 1,421 |
| Loan and lease loss provision to assets | 0.3078% | 1,300 |
| Net operating income to assets | 1.1176% | 1,923 |
| Return on assets (ROA) | 1.1197% | 2,037 |
| Pretax return on assets | 1.4211% | 1,662 |
| Return on Equity (ROE) | 13.0280% | 1,105 |
| Retained earnings to average equity (ytd only) | 12.5372% | 370 |
| Net charge-offs to loans | 0.2832% | 558 |
| Credit loss provision to net charge-offs | 138.8889% | 2,393 |
| Earnings coverage of net charge-offs (x) | 7.7937% | 2,548 |
| Efficiency ratio | 63.5622% | 2,808 |
| Assets per employee ($millions) | 5.1487% | 3,067 |
| Cash dividends to net income (ytd only)* | 3.7677% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 1,328 |
| Loan loss allowance to noncurrent loans | 203.1763% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 1,787 |
| Noncurrent loans to loans | 0.7476% | 1,934 |
| Net loans and leases to total assets | 75.3474% | 1,184 |
| Net loans and leases to deposits | 83.3024% | 1,981 |
| Net loans and leases to core deposits | 92.9059% | 1,716 |
| Total domestic deposits to total assets | 90.4505% | 295 |
| Equity capital to assets | 8.3760% | 4,534 |
| Core capital (leverage) ratio | 8.6758% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8200% | 2,279 |
| Memoranda: | ||
| Average total assets | $151,706,250 | 3,365 |
| Average earning assets | $141,184,500 | 3,357 |
| Average equity | $13,038,250 | 3,864 |
| Average total loans | $118,649,250 | 3,006 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6337% | 78 |
| Cost of funding earning assets | 1.7425% | 63 |
| Net interest margin | 4.8912% | 244 |
| Noninterest income to average assets | 0.2938% | 3,708 |
| Noninterest expense to average assets | 2.9731% | 1,652 |
| Loan and lease loss provision to assets | 0.2683% | 1,595 |
| Net operating income to assets | 1.2754% | 1,418 |
| Return on assets (ROA) | 1.2786% | 1,532 |
| Pretax return on assets | 1.6019% | 1,222 |
| Return on Equity (ROE) | 14.7432% | 749 |
| Retained earnings to average equity (ytd only) | 14.2017% | 264 |
| Net charge-offs to loans | 0.1566% | 941 |
| Credit loss provision to net charge-offs | 217.3913% | 1,847 |
| Earnings coverage of net charge-offs (x) | 15.1196% | 1,925 |
| Efficiency ratio | 61.4361% | 3,210 |
| Assets per employee ($millions) | 4.1536% | 4,152 |
| Cash dividends to net income (ytd only)* | 3.6726% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,189 |
| Loan loss allowance to noncurrent loans | 162.1739% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.8533% | 1,456 |
| Noncurrent loans to loans | 0.9413% | 1,647 |
| Net loans and leases to total assets | 80.4568% | 548 |
| Net loans and leases to deposits | 89.3871% | 1,408 |
| Net loans and leases to core deposits | 99.0303% | 1,327 |
| Total domestic deposits to total assets | 90.0094% | 398 |
| Equity capital to assets | 8.8892% | 4,178 |
| Core capital (leverage) ratio | 8.9412% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7498% | 2,292 |
| Memoranda: | ||
| Average total assets | $149,071,667 | 3,376 |
| Average earning assets | $138,535,667 | 3,365 |
| Average equity | $12,928,000 | 3,876 |
| Average total loans | $117,493,333 | 3,010 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6080% | 78 |
| Cost of funding earning assets | 1.8450% | 63 |
| Net interest margin | 4.7629% | 295 |
| Noninterest income to average assets | 0.3467% | 3,442 |
| Noninterest expense to average assets | 3.0287% | 1,815 |
| Loan and lease loss provision to assets | 0.2016% | 1,510 |
| Net operating income to assets | 1.2137% | 1,471 |
| Return on assets (ROA) | 1.2201% | 1,563 |
| Pretax return on assets | 1.5506% | 1,179 |
| Return on Equity (ROE) | 14.2476% | 653 |
| Retained earnings to average equity (ytd only) | 13.6513% | 278 |
| Net charge-offs to loans | -0.0382% | 4,551 |
| Credit loss provision to net charge-offs | -681.8182% | 3,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4572% | 3,306 |
| Assets per employee ($millions) | 5.4222% | 2,200 |
| Cash dividends to net income (ytd only)* | 4.1850% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 1,038 |
| Loan loss allowance to noncurrent loans | 248.7179% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 2,420 |
| Noncurrent loans to loans | 0.6483% | 2,369 |
| Net loans and leases to total assets | 74.0701% | 1,589 |
| Net loans and leases to deposits | 81.8663% | 2,471 |
| Net loans and leases to core deposits | 94.0943% | 1,965 |
| Total domestic deposits to total assets | 90.4769% | 201 |
| Equity capital to assets | 8.5390% | 4,812 |
| Core capital (leverage) ratio | 8.7146% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4010% | 2,531 |
| Memoranda: | ||
| Average total assets | $148,842,500 | 3,338 |
| Average earning assets | $138,318,000 | 3,334 |
| Average equity | $12,746,000 | 3,910 |
| Average total loans | $115,154,000 | 3,011 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8626% | 75 |
| Cost of funding earning assets | 1.7393% | 172 |
| Net interest margin | 5.1233% | 214 |
| Noninterest income to average assets | 0.3884% | 3,369 |
| Noninterest expense to average assets | 3.4409% | 1,044 |
| Loan and lease loss provision to assets | 0.3249% | 490 |
| Net operating income to assets | 1.0721% | 2,561 |
| Return on assets (ROA) | 1.0721% | 2,659 |
| Pretax return on assets | 1.3479% | 2,336 |
| Return on Equity (ROE) | 12.3583% | 1,379 |
| Retained earnings to average equity (ytd only) | 10.8520% | 353 |
| Net charge-offs to loans | 0.3812% | 517 |
| Credit loss provision to net charge-offs | 102.5057% | 2,418 |
| Earnings coverage of net charge-offs (x) | 5.2779% | 3,110 |
| Efficiency ratio | 67.2879% | 2,564 |
| Assets per employee ($millions) | 4.5583% | 3,147 |
| Cash dividends to net income (ytd only)* | 12.1886% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,182 |
| Loan loss allowance to noncurrent loans | 142.7295% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 1,521 |
| Noncurrent loans to loans | 1.0611% | 1,424 |
| Net loans and leases to total assets | 78.3291% | 1,022 |
| Net loans and leases to deposits | 86.4774% | 2,029 |
| Net loans and leases to core deposits | 98.5127% | 1,694 |
| Total domestic deposits to total assets | 90.5775% | 184 |
| Equity capital to assets | 8.5888% | 4,875 |
| Core capital (leverage) ratio | 8.5908% | 4,789 |
| Tier 1 risk-based capital ratio | 11.7253% | 4,509 |
| Total risk-based capital ratio | 12.9804% | 4,386 |
| Memoranda: | ||
| Average total assets | $138,510,800 | 3,459 |
| Average earning assets | $127,750,000 | 3,463 |
| Average equity | $12,016,200 | 3,996 |
| Average total loans | $115,151,200 | 3,002 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8462% | 79 |
| Cost of funding earning assets | 1.6808% | 214 |
| Net interest margin | 5.1654% | 208 |
| Noninterest income to average assets | 0.3590% | 3,578 |
| Noninterest expense to average assets | 3.2622% | 1,349 |
| Loan and lease loss provision to assets | 0.4390% | 292 |
| Net operating income to assets | 1.1375% | 2,425 |
| Return on assets (ROA) | 1.1375% | 2,511 |
| Pretax return on assets | 1.4126% | 2,256 |
| Return on Equity (ROE) | 13.0770% | 1,256 |
| Retained earnings to average equity (ytd only) | 11.2938% | 472 |
| Net charge-offs to loans | 0.1670% | 1,008 |
| Credit loss provision to net charge-offs | 312.5000% | 928 |
| Earnings coverage of net charge-offs (x) | 13.1802% | 2,311 |
| Efficiency ratio | 63.7924% | 3,039 |
| Assets per employee ($millions) | 4.2793% | 3,513 |
| Cash dividends to net income (ytd only)* | 13.6360% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 840 |
| Loan loss allowance to noncurrent loans | 82.6087% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.9396% | 465 |
| Noncurrent loans to loans | 2.0434% | 658 |
| Net loans and leases to total assets | 82.1378% | 551 |
| Net loans and leases to deposits | 93.8171% | 1,235 |
| Net loans and leases to core deposits | 104.6049% | 1,291 |
| Total domestic deposits to total assets | 87.5509% | 1,238 |
| Equity capital to assets | 8.4043% | 5,032 |
| Core capital (leverage) ratio | 8.6241% | 4,875 |
| Tier 1 risk-based capital ratio | 10.9569% | 4,931 |
| Total risk-based capital ratio | 12.2139% | 4,808 |
| Memoranda: | ||
| Average total assets | $136,672,500 | 3,514 |
| Average earning assets | $125,808,750 | 3,520 |
| Average equity | $11,888,250 | 4,052 |
| Average total loans | $114,936,250 | 3,045 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7896% | 84 |
| Cost of funding earning assets | 1.6233% | 252 |
| Net interest margin | 5.1663% | 208 |
| Noninterest income to average assets | 0.3589% | 3,527 |
| Noninterest expense to average assets | 3.2483% | 1,407 |
| Loan and lease loss provision to assets | 0.4487% | 269 |
| Net operating income to assets | 1.1217% | 2,437 |
| Return on assets (ROA) | 1.1217% | 2,511 |
| Pretax return on assets | 1.4073% | 2,185 |
| Return on Equity (ROE) | 12.7389% | 1,325 |
| Retained earnings to average equity (ytd only) | 10.4459% | 646 |
| Net charge-offs to loans | 0.0142% | 2,631 |
| Credit loss provision to net charge-offs | 3,750.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 155.1250% | 481 |
| Efficiency ratio | 63.6390% | 3,190 |
| Assets per employee ($millions) | 4.4190% | 3,259 |
| Cash dividends to net income (ytd only)* | 18.0000% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 825 |
| Loan loss allowance to noncurrent loans | 55.1109% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.8132% | 234 |
| Noncurrent loans to loans | 3.0790% | 321 |
| Net loans and leases to total assets | 83.4945% | 412 |
| Net loans and leases to deposits | 95.4131% | 1,104 |
| Net loans and leases to core deposits | 106.3379% | 1,225 |
| Total domestic deposits to total assets | 87.5084% | 1,337 |
| Equity capital to assets | 8.4791% | 5,048 |
| Core capital (leverage) ratio | 8.8840% | 4,727 |
| Tier 1 risk-based capital ratio | 10.7572% | 5,011 |
| Total risk-based capital ratio | 12.0147% | 4,919 |
| Memoranda: | ||
| Average total assets | $133,731,000 | 3,573 |
| Average earning assets | $122,834,330 | 3,583 |
| Average equity | $11,775,000 | 4,079 |
| Average total loans | $112,728,330 | 3,093 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8197% | 83 |
| Cost of funding earning assets | 1.5704% | 250 |
| Net interest margin | 5.2493% | 184 |
| Noninterest income to average assets | 0.5420% | 2,333 |
| Noninterest expense to average assets | 3.2735% | 1,342 |
| Loan and lease loss provision to assets | 0.4619% | 237 |
| Net operating income to assets | 1.2780% | 1,781 |
| Return on assets (ROA) | 1.2780% | 1,823 |
| Pretax return on assets | 1.6136% | 1,434 |
| Return on Equity (ROE) | 14.2276% | 919 |
| Retained earnings to average equity (ytd only) | 10.5250% | 922 |
| Net charge-offs to loans | 0.0257% | 1,939 |
| Credit loss provision to net charge-offs | 2,142.8571% | 204 |
| Earnings coverage of net charge-offs (x) | 96.2857% | 682 |
| Efficiency ratio | 61.1975% | 3,651 |
| Assets per employee ($millions) | 4.1997% | 3,628 |
| Cash dividends to net income (ytd only)* | 26.0241% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 831 |
| Loan loss allowance to noncurrent loans | 80.1783% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 2.2644% | 382 |
| Noncurrent loans to loans | 2.1392% | 677 |
| Net loans and leases to total assets | 83.1454% | 451 |
| Net loans and leases to deposits | 96.0181% | 963 |
| Net loans and leases to core deposits | 107.2762% | 1,085 |
| Total domestic deposits to total assets | 86.5934% | 2,012 |
| Equity capital to assets | 9.0775% | 4,631 |
| Core capital (leverage) ratio | 9.1245% | 4,549 |
| Tier 1 risk-based capital ratio | 11.1771% | 4,897 |
| Total risk-based capital ratio | 12.4337% | 4,802 |
| Memoranda: | ||
| Average total assets | $129,893,000 | 3,661 |
| Average earning assets | $118,949,000 | 3,672 |
| Average equity | $11,667,500 | 4,105 |
| Average total loans | $109,040,000 | 3,184 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7672% | 69 |
| Cost of funding earning assets | 1.4143% | 131 |
| Net interest margin | 5.3529% | 143 |
| Noninterest income to average assets | 0.4304% | 3,240 |
| Noninterest expense to average assets | 3.0999% | 1,793 |
| Loan and lease loss provision to assets | 0.6352% | 173 |
| Net operating income to assets | 1.3078% | 1,758 |
| Return on assets (ROA) | 1.3078% | 1,747 |
| Pretax return on assets | 1.6690% | 1,252 |
| Return on Equity (ROE) | 14.9591% | 840 |
| Retained earnings to average equity (ytd only) | 11.0445% | 431 |
| Net charge-offs to loans | 0.6513% | 260 |
| Credit loss provision to net charge-offs | 115.4401% | 2,246 |
| Earnings coverage of net charge-offs (x) | 4.1876% | 3,322 |
| Efficiency ratio | 57.3612% | 4,234 |
| Assets per employee ($millions) | 4.7999% | 2,745 |
| Cash dividends to net income (ytd only)* | 26.1688% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 990 |
| Loan loss allowance to noncurrent loans | 224.7104% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 1,332 |
| Noncurrent loans to loans | 0.7198% | 2,184 |
| Net loans and leases to total assets | 81.9454% | 657 |
| Net loans and leases to deposits | 94.2190% | 1,251 |
| Net loans and leases to core deposits | 104.9792% | 1,347 |
| Total domestic deposits to total assets | 86.9734% | 1,795 |
| Equity capital to assets | 8.8868% | 4,670 |
| Core capital (leverage) ratio | 8.7846% | 4,819 |
| Tier 1 risk-based capital ratio | 11.2740% | 4,824 |
| Total risk-based capital ratio | 12.5293% | 4,740 |
| Memoranda: | ||
| Average total assets | $125,940,800 | 3,699 |
| Average earning assets | $117,020,800 | 3,698 |
| Average equity | $11,010,000 | 4,153 |
| Average total loans | $106,405,400 | 3,198 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7131% | 71 |
| Cost of funding earning assets | 1.3438% | 142 |
| Net interest margin | 5.3693% | 133 |
| Noninterest income to average assets | 0.4276% | 3,302 |
| Noninterest expense to average assets | 3.0030% | 2,008 |
| Loan and lease loss provision to assets | 0.4799% | 241 |
| Net operating income to assets | 1.5303% | 1,120 |
| Return on assets (ROA) | 1.5303% | 1,122 |
| Pretax return on assets | 1.9515% | 723 |
| Return on Equity (ROE) | 17.5801% | 473 |
| Retained earnings to average equity (ytd only) | 13.6108% | 293 |
| Net charge-offs to loans | 0.7533% | 185 |
| Credit loss provision to net charge-offs | 75.1252% | 2,581 |
| Earnings coverage of net charge-offs (x) | 3.8063% | 3,123 |
| Efficiency ratio | 55.2590% | 4,482 |
| Assets per employee ($millions) | 5.5166% | 1,899 |
| Cash dividends to net income (ytd only)* | 22.5784% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 1,941 |
| Loan loss allowance to noncurrent loans | 167.6802% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 1,766 |
| Noncurrent loans to loans | 0.7960% | 2,119 |
| Net loans and leases to total assets | 83.1351% | 549 |
| Net loans and leases to deposits | 95.5585% | 1,202 |
| Net loans and leases to core deposits | 106.1468% | 1,298 |
| Total domestic deposits to total assets | 86.9991% | 1,733 |
| Equity capital to assets | 8.6126% | 4,859 |
| Core capital (leverage) ratio | 8.9168% | 4,785 |
| Tier 1 risk-based capital ratio | 11.3103% | 4,893 |
| Total risk-based capital ratio | 12.5633% | 4,788 |
| Memoranda: | ||
| Average total assets | $125,027,000 | 3,750 |
| Average earning assets | $116,585,750 | 3,743 |
| Average equity | $10,883,250 | 4,217 |
| Average total loans | $106,020,750 | 3,230 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5805% | 76 |
| Cost of funding earning assets | 1.2506% | 148 |
| Net interest margin | 5.3298% | 139 |
| Noninterest income to average assets | 0.4540% | 3,125 |
| Noninterest expense to average assets | 2.8558% | 2,481 |
| Loan and lease loss provision to assets | 0.4830% | 236 |
| Net operating income to assets | 1.6243% | 869 |
| Return on assets (ROA) | 1.6243% | 870 |
| Pretax return on assets | 2.0960% | 494 |
| Return on Equity (ROE) | 18.8422% | 344 |
| Retained earnings to average equity (ytd only) | 14.8086% | 209 |
| Net charge-offs to loans | 0.5356% | 277 |
| Credit loss provision to net charge-offs | 107.5269% | 1,925 |
| Earnings coverage of net charge-offs (x) | 5.7419% | 2,686 |
| Efficiency ratio | 52.5474% | 4,829 |
| Assets per employee ($millions) | 5.5687% | 1,825 |
| Cash dividends to net income (ytd only)* | 21.4073% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,276 |
| Loan loss allowance to noncurrent loans | 177.0544% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 1,260 |
| Noncurrent loans to loans | 0.8688% | 1,988 |
| Net loans and leases to total assets | 79.4557% | 1,102 |
| Net loans and leases to deposits | 92.4027% | 1,531 |
| Net loans and leases to core deposits | 107.5461% | 1,148 |
| Total domestic deposits to total assets | 85.9886% | 2,287 |
| Equity capital to assets | 8.2942% | 5,080 |
| Core capital (leverage) ratio | 8.9464% | 4,729 |
| Tier 1 risk-based capital ratio | 11.2442% | 4,926 |
| Total risk-based capital ratio | 12.4992% | 4,822 |
| Memoranda: | ||
| Average total assets | $124,236,330 | 3,791 |
| Average earning assets | $116,101,330 | 3,775 |
| Average equity | $10,710,000 | 4,273 |
| Average total loans | $104,174,670 | 3,261 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8238% | 67 |
| Cost of funding earning assets | 1.2192% | 128 |
| Net interest margin | 5.6046% | 95 |
| Noninterest income to average assets | 0.5153% | 2,719 |
| Noninterest expense to average assets | 2.9281% | 2,264 |
| Loan and lease loss provision to assets | 0.5020% | 207 |
| Net operating income to assets | 1.7435% | 625 |
| Return on assets (ROA) | 1.7435% | 636 |
| Pretax return on assets | 2.3157% | 306 |
| Return on Equity (ROE) | 19.8052% | 257 |
| Retained earnings to average equity (ytd only) | 15.6997% | 267 |
| Net charge-offs to loans | 0.1446% | 951 |
| Credit loss provision to net charge-offs | 405.4054% | 685 |
| Earnings coverage of net charge-offs (x) | 22.7568% | 1,394 |
| Efficiency ratio | 50.9610% | 5,026 |
| Assets per employee ($millions) | 4.8248% | 2,707 |
| Cash dividends to net income (ytd only)* | 20.7294% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 937 |
| Loan loss allowance to noncurrent loans | 147.7637% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 1,124 |
| Noncurrent loans to loans | 1.1525% | 1,580 |
| Net loans and leases to total assets | 83.7911% | 457 |
| Net loans and leases to deposits | 96.7602% | 956 |
| Net loans and leases to core deposits | 108.1797% | 1,109 |
| Total domestic deposits to total assets | 86.5966% | 2,274 |
| Equity capital to assets | 8.8950% | 4,665 |
| Core capital (leverage) ratio | 8.9167% | 4,782 |
| Tier 1 risk-based capital ratio | 11.3704% | 4,941 |
| Total risk-based capital ratio | 12.6279% | 4,836 |
| Memoranda: | ||
| Average total assets | $119,530,500 | 3,907 |
| Average earning assets | $111,550,500 | 3,897 |
| Average equity | $10,522,500 | 4,349 |
| Average total loans | $102,337,000 | 3,316 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5747% | 71 |
| Cost of funding earning assets | 1.0962% | 130 |
| Net interest margin | 5.4784% | 107 |
| Noninterest income to average assets | 0.7243% | 1,867 |
| Noninterest expense to average assets | 3.2232% | 1,554 |
| Loan and lease loss provision to assets | 0.8644% | 129 |
| Net operating income to assets | 0.9309% | 2,546 |
| Return on assets (ROA) | 0.9309% | 2,575 |
| Pretax return on assets | 1.7253% | 951 |
| Return on Equity (ROE) | 10.7162% | 1,582 |
| Retained earnings to average equity (ytd only) | 8.5670% | 597 |
| Net charge-offs to loans | 1.0883% | 158 |
| Credit loss provision to net charge-offs | 92.8505% | 2,731 |
| Earnings coverage of net charge-offs (x) | 2.7818% | 3,701 |
| Efficiency ratio | 55.4498% | 4,820 |
| Assets per employee ($millions) | 5.3837% | 2,074 |
| Cash dividends to net income (ytd only)* | 20.0557% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,124 |
| Loan loss allowance to noncurrent loans | 118.3394% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.5113% | 904 |
| Noncurrent loans to loans | 1.3598% | 1,282 |
| Net loans and leases to total assets | 84.6119% | 383 |
| Net loans and leases to deposits | 97.5452% | 941 |
| Net loans and leases to core deposits | 108.6270% | 1,091 |
| Total domestic deposits to total assets | 86.7412% | 2,120 |
| Equity capital to assets | 8.7097% | 4,954 |
| Core capital (leverage) ratio | 8.5538% | 5,093 |
| Tier 1 risk-based capital ratio | 10.8880% | 5,206 |
| Total risk-based capital ratio | 12.1438% | 5,094 |
| Memoranda: | ||
| Average total assets | $115,693,200 | 3,968 |
| Average earning assets | $107,457,800 | 3,957 |
| Average equity | $10,050,200 | 4,438 |
| Average total loans | $98,966,000 | 3,371 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3350% | 85 |
| Cost of funding earning assets | 1.0654% | 140 |
| Net interest margin | 5.2696% | 152 |
| Noninterest income to average assets | 0.8950% | 1,287 |
| Noninterest expense to average assets | 3.1000% | 1,804 |
| Loan and lease loss provision to assets | 0.7536% | 150 |
| Net operating income to assets | 1.2266% | 1,588 |
| Return on assets (ROA) | 1.2266% | 1,619 |
| Pretax return on assets | 1.9326% | 631 |
| Return on Equity (ROE) | 14.1293% | 806 |
| Retained earnings to average equity (ytd only) | 12.6870% | 245 |
| Net charge-offs to loans | 0.5754% | 342 |
| Credit loss provision to net charge-offs | 153.3019% | 1,664 |
| Earnings coverage of net charge-offs (x) | 5.4646% | 3,103 |
| Efficiency ratio | 53.5764% | 4,961 |
| Assets per employee ($millions) | 5.4867% | 1,936 |
| Cash dividends to net income (ytd only)* | 10.2082% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 722 |
| Loan loss allowance to noncurrent loans | 54.8278% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 3.4538% | 228 |
| Noncurrent loans to loans | 3.4382% | 324 |
| Net loans and leases to total assets | 83.7383% | 462 |
| Net loans and leases to deposits | 96.7883% | 1,031 |
| Net loans and leases to core deposits | 107.5927% | 1,161 |
| Total domestic deposits to total assets | 86.5169% | 2,095 |
| Equity capital to assets | 8.6200% | 5,211 |
| Core capital (leverage) ratio | 8.7864% | 4,984 |
| Tier 1 risk-based capital ratio | 11.1147% | 5,177 |
| Total risk-based capital ratio | 12.3755% | 5,067 |
| Memoranda: | ||
| Average total assets | $115,006,000 | 4,015 |
| Average earning assets | $106,747,750 | 4,010 |
| Average equity | $9,983,750 | 4,492 |
| Average total loans | $98,243,750 | 3,408 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2846% | 94 |
| Cost of funding earning assets | 1.0236% | 155 |
| Net interest margin | 5.2610% | 152 |
| Noninterest income to average assets | 1.1724% | 740 |
| Noninterest expense to average assets | 3.0891% | 1,861 |
| Loan and lease loss provision to assets | 0.8841% | 111 |
| Net operating income to assets | 1.3651% | 1,142 |
| Return on assets (ROA) | 1.3651% | 1,170 |
| Pretax return on assets | 2.0795% | 466 |
| Return on Equity (ROE) | 15.6857% | 569 |
| Retained earnings to average equity (ytd only) | 15.6857% | 111 |
| Net charge-offs to loans | 0.7408% | 264 |
| Credit loss provision to net charge-offs | 139.6648% | 1,603 |
| Earnings coverage of net charge-offs (x) | 4.6816% | 2,900 |
| Efficiency ratio | 51.0371% | 5,241 |
| Assets per employee ($millions) | 5.0839% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 876 |
| Loan loss allowance to noncurrent loans | 51.2552% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 3.5876% | 219 |
| Noncurrent loans to loans | 3.5278% | 321 |
| Net loans and leases to total assets | 86.2883% | 252 |
| Net loans and leases to deposits | 97.9639% | 894 |
| Net loans and leases to core deposits | 109.3534% | 1,035 |
| Total domestic deposits to total assets | 88.0817% | 1,414 |
| Equity capital to assets | 8.7463% | 5,105 |
| Core capital (leverage) ratio | 8.9998% | 4,725 |
| Tier 1 risk-based capital ratio | 10.6929% | 5,381 |
| Total risk-based capital ratio | 11.9513% | 5,312 |
| Memoranda: | ||
| Average total assets | $113,105,670 | 4,075 |
| Average earning assets | $104,923,670 | 4,073 |
| Average equity | $9,843,330 | 4,533 |
| Average total loans | $96,651,670 | 3,443 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9907% | 123 |
| Cost of funding earning assets | 1.0237% | 147 |
| Net interest margin | 4.9669% | 234 |
| Noninterest income to average assets | 2.1476% | 286 |
| Noninterest expense to average assets | 3.2196% | 1,555 |
| Loan and lease loss provision to assets | 1.2591% | 64 |
| Net operating income to assets | 1.4137% | 974 |
| Return on assets (ROA) | 1.4137% | 1,002 |
| Pretax return on assets | 2.2591% | 323 |
| Return on Equity (ROE) | 16.2876% | 492 |
| Retained earnings to average equity (ytd only) | 16.2876% | 191 |
| Net charge-offs to loans | 1.4273% | 117 |
| Credit loss provision to net charge-offs | 104.7904% | 1,517 |
| Earnings coverage of net charge-offs (x) | 2.9281% | 2,534 |
| Efficiency ratio | 47.7843% | 5,477 |
| Assets per employee ($millions) | 4.8871% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8230% | 919 |
| Loan loss allowance to noncurrent loans | 210.7056% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.6832% | 895 |
| Noncurrent loans to loans | 0.8652% | 2,300 |
| Net loans and leases to total assets | 82.9828% | 465 |
| Net loans and leases to deposits | 94.3344% | 1,080 |
| Net loans and leases to core deposits | 104.8811% | 1,164 |
| Total domestic deposits to total assets | 87.9666% | 1,738 |
| Equity capital to assets | 8.7613% | 5,032 |
| Core capital (leverage) ratio | 8.9236% | 4,822 |
| Tier 1 risk-based capital ratio | 10.8006% | 5,405 |
| Total risk-based capital ratio | 12.0596% | 5,324 |
| Memoranda: | ||
| Average total assets | $111,194,000 | 4,152 |
| Average earning assets | $102,760,000 | 4,161 |
| Average equity | $9,651,500 | 4,594 |
| Average total loans | $93,600,500 | 3,522 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2519% | 88 |
| Cost of funding earning assets | 1.0887% | 105 |
| Net interest margin | 5.1631% | 180 |
| Noninterest income to average assets | 0.9918% | 1,171 |
| Noninterest expense to average assets | 3.1171% | 1,983 |
| Loan and lease loss provision to assets | 0.6539% | 196 |
| Net operating income to assets | 1.9410% | 360 |
| Return on assets (ROA) | 1.9410% | 375 |
| Pretax return on assets | 1.9618% | 549 |
| Return on Equity (ROE) | 23.1774% | 115 |
| Retained earnings to average equity (ytd only) | 23.1774% | 32 |
| Net charge-offs to loans | 0.0658% | 2,758 |
| Credit loss provision to net charge-offs | 1,200.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,032 |
| Efficiency ratio | 54.3726% | 5,214 |
| Assets per employee ($millions) | 5.2373% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0783% | 1,745 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 82.2638% | 570 |
| Net loans and leases to deposits | 92.4830% | 1,373 |
| Net loans and leases to core deposits | 102.2039% | 1,436 |
| Total domestic deposits to total assets | 88.9502% | 1,143 |
| Equity capital to assets | 8.5967% | 5,193 |
| Core capital (leverage) ratio | 8.4958% | 5,262 |
| Tier 1 risk-based capital ratio | 10.7061% | 5,483 |
| Total risk-based capital ratio | 11.9652% | 5,391 |
| Memoranda: | ||
| Average total assets | $100,927,600 | 4,338 |
| Average earning assets | $92,676,000 | 4,335 |
| Average equity | $8,452,200 | 4,853 |
| Average total loans | $83,633,000 | 3,719 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2442% | 92 |
| Cost of funding earning assets | 1.0861% | 102 |
| Net interest margin | 5.1581% | 186 |
| Noninterest income to average assets | 0.7027% | 2,156 |
| Noninterest expense to average assets | 3.0014% | 2,319 |
| Loan and lease loss provision to assets | 0.6216% | 186 |
| Net operating income to assets | 1.9000% | 401 |
| Return on assets (ROA) | 1.9000% | 425 |
| Pretax return on assets | 1.8095% | 884 |
| Return on Equity (ROE) | 22.8570% | 132 |
| Retained earnings to average equity (ytd only) | 22.8570% | 38 |
| Net charge-offs to loans | 0.1047% | 1,898 |
| Credit loss provision to net charge-offs | 718.7500% | 550 |
| Earnings coverage of net charge-offs (x) | 28.1098% | 1,542 |
| Efficiency ratio | 55.2488% | 5,131 |
| Assets per employee ($millions) | 5.5665% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 1,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1318% | 1,784 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 81.1839% | 732 |
| Net loans and leases to deposits | 89.7412% | 1,792 |
| Net loans and leases to core deposits | 98.8689% | 1,739 |
| Total domestic deposits to total assets | 90.4644% | 334 |
| Equity capital to assets | 7.9960% | 5,737 |
| Core capital (leverage) ratio | 8.0547% | 5,660 |
| Tier 1 risk-based capital ratio | 10.0368% | 5,783 |
| Total risk-based capital ratio | 11.2961% | 5,730 |
| Memoranda: | ||
| Average total assets | $98,663,500 | 4,400 |
| Average earning assets | $90,470,500 | 4,409 |
| Average equity | $8,201,500 | 4,947 |
| Average total loans | $81,493,000 | 3,789 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2529% | 93 |
| Cost of funding earning assets | 1.0681% | 104 |
| Net interest margin | 5.1848% | 173 |
| Noninterest income to average assets | 0.6861% | 2,205 |
| Noninterest expense to average assets | 2.9563% | 2,498 |
| Loan and lease loss provision to assets | 0.5506% | 220 |
| Net operating income to assets | 1.9970% | 334 |
| Return on assets (ROA) | 1.9970% | 347 |
| Pretax return on assets | 1.9081% | 685 |
| Return on Equity (ROE) | 23.6697% | 116 |
| Retained earnings to average equity (ytd only) | 23.6697% | 39 |
| Net charge-offs to loans | 0.2820% | 842 |
| Credit loss provision to net charge-offs | 236.3636% | 1,151 |
| Earnings coverage of net charge-offs (x) | 10.5545% | 2,326 |
| Efficiency ratio | 54.5952% | 5,262 |
| Assets per employee ($millions) | 5.5192% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 2,000 |
| Loan loss allowance to noncurrent loans | 294.6262% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 1.8195% | 941 |
| Noncurrent loans to loans | 0.4974% | 3,588 |
| Net loans and leases to total assets | 80.8476% | 779 |
| Net loans and leases to deposits | 89.3842% | 1,823 |
| Net loans and leases to core deposits | 99.0849% | 1,712 |
| Total domestic deposits to total assets | 90.4495% | 330 |
| Equity capital to assets | 8.0476% | 5,792 |
| Core capital (leverage) ratio | 8.4633% | 5,395 |
| Tier 1 risk-based capital ratio | 10.0072% | 5,855 |
| Total risk-based capital ratio | 11.2627% | 5,797 |
| Memoranda: | ||
| Average total assets | $94,441,330 | 4,532 |
| Average earning assets | $86,136,000 | 4,538 |
| Average equity | $7,968,000 | 5,029 |
| Average total loans | $78,027,670 | 3,901 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4508% | 79 |
| Cost of funding earning assets | 1.0842% | 101 |
| Net interest margin | 5.3666% | 139 |
| Noninterest income to average assets | 0.6859% | 2,107 |
| Noninterest expense to average assets | 3.0169% | 2,341 |
| Loan and lease loss provision to assets | 0.4931% | 254 |
| Net operating income to assets | 2.1204% | 268 |
| Return on assets (ROA) | 2.1204% | 279 |
| Pretax return on assets | 2.0352% | 522 |
| Return on Equity (ROE) | 24.4682% | 109 |
| Retained earnings to average equity (ytd only) | 24.4682% | 52 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4058% | 5,348 |
| Assets per employee ($millions) | 4.8265% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,640 |
| Loan loss allowance to noncurrent loans | 372.2561% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 2.3532% | 662 |
| Noncurrent loans to loans | 0.4266% | 3,915 |
| Net loans and leases to total assets | 82.5024% | 505 |
| Net loans and leases to deposits | 91.7489% | 1,381 |
| Net loans and leases to core deposits | 96.4607% | 1,751 |
| Total domestic deposits to total assets | 89.9219% | 634 |
| Equity capital to assets | 8.6899% | 5,429 |
| Core capital (leverage) ratio | 8.6085% | 5,284 |
| Tier 1 risk-based capital ratio | 10.4462% | 5,774 |
| Total risk-based capital ratio | 11.7032% | 5,688 |
| Memoranda: | ||
| Average total assets | $89,230,000 | 4,673 |
| Average earning assets | $80,796,000 | 4,685 |
| Average equity | $7,732,500 | 5,104 |
| Average total loans | $74,021,000 | 4,022 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0774% | 119 |
| Cost of funding earning assets | 1.1301% | 81 |
| Net interest margin | 4.9474% | 281 |
| Noninterest income to average assets | 0.8340% | 1,662 |
| Noninterest expense to average assets | 3.8679% | 792 |
| Loan and lease loss provision to assets | 0.3212% | 510 |
| Net operating income to assets | 1.6680% | 610 |
| Return on assets (ROA) | 1.6680% | 628 |
| Pretax return on assets | 1.0565% | 3,238 |
| Return on Equity (ROE) | 20.4642% | 223 |
| Retained earnings to average equity (ytd only) | 20.4642% | 62 |
| Net charge-offs to loans | 0.5827% | 419 |
| Credit loss provision to net charge-offs | 69.5876% | 3,130 |
| Earnings coverage of net charge-offs (x) | 2.9845% | 3,797 |
| Efficiency ratio | 73.7355% | 2,623 |
| Assets per employee ($millions) | 5.1033% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 1,753 |
| Loan loss allowance to noncurrent loans | 173.5938% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 3.4637% | 343 |
| Noncurrent loans to loans | 0.8993% | 2,538 |
| Net loans and leases to total assets | 80.7460% | 744 |
| Net loans and leases to deposits | 89.6976% | 1,651 |
| Net loans and leases to core deposits | 94.5703% | 1,993 |
| Total domestic deposits to total assets | 90.0203% | 624 |
| Equity capital to assets | 8.6403% | 5,433 |
| Core capital (leverage) ratio | 8.4013% | 5,524 |
| Tier 1 risk-based capital ratio | 10.8177% | 5,618 |
| Total risk-based capital ratio | 12.0771% | 5,516 |
| Memoranda: | ||
| Average total assets | $84,050,400 | 4,789 |
| Average earning assets | $74,949,200 | 4,833 |
| Average equity | $6,851,000 | 5,271 |
| Average total loans | $66,587,200 | 4,180 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0991% | 122 |
| Cost of funding earning assets | 1.1508% | 73 |
| Net interest margin | 4.9483% | 288 |
| Noninterest income to average assets | 0.8060% | 1,784 |
| Noninterest expense to average assets | 3.6189% | 1,086 |
| Loan and lease loss provision to assets | 0.2878% | 535 |
| Net operating income to assets | 2.1237% | 293 |
| Return on assets (ROA) | 2.1237% | 310 |
| Pretax return on assets | 1.3001% | 2,402 |
| Return on Equity (ROE) | 26.4677% | 91 |
| Retained earnings to average equity (ytd only) | 26.4677% | 38 |
| Net charge-offs to loans | 0.8638% | 226 |
| Credit loss provision to net charge-offs | 42.4528% | 3,134 |
| Earnings coverage of net charge-offs (x) | 2.3420% | 3,683 |
| Efficiency ratio | 69.5025% | 3,294 |
| Assets per employee ($millions) | 5.1103% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 2,445 |
| Loan loss allowance to noncurrent loans | 956.3107% | 605 |
| Noncurrent assets plus other real estate owned to assets | 3.7525% | 326 |
| Noncurrent loans to loans | 0.1498% | 5,039 |
| Net loans and leases to total assets | 78.0282% | 1,093 |
| Net loans and leases to deposits | 86.6742% | 2,070 |
| Net loans and leases to core deposits | 91.3658% | 2,329 |
| Total domestic deposits to total assets | 90.0247% | 556 |
| Equity capital to assets | 8.5433% | 5,681 |
| Core capital (leverage) ratio | 8.3366% | 5,687 |
| Tier 1 risk-based capital ratio | 11.0280% | 5,646 |
| Total risk-based capital ratio | 12.2862% | 5,539 |
| Memoranda: | ||
| Average total assets | $83,374,000 | 4,860 |
| Average earning assets | $74,151,500 | 4,905 |
| Average equity | $6,689,750 | 5,369 |
| Average total loans | $65,443,250 | 4,259 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9331% | 141 |
| Cost of funding earning assets | 1.1768% | 64 |
| Net interest margin | 4.7564% | 391 |
| Noninterest income to average assets | 0.8515% | 1,600 |
| Noninterest expense to average assets | 3.6007% | 1,128 |
| Loan and lease loss provision to assets | 0.4379% | 248 |
| Net operating income to assets | 2.0217% | 353 |
| Return on assets (ROA) | 2.0217% | 367 |
| Pretax return on assets | 1.0413% | 3,411 |
| Return on Equity (ROE) | 25.7848% | 106 |
| Retained earnings to average equity (ytd only) | 25.7848% | 40 |
| Net charge-offs to loans | 1.2218% | 151 |
| Credit loss provision to net charge-offs | 45.8015% | 2,746 |
| Earnings coverage of net charge-offs (x) | 1.5471% | 3,493 |
| Efficiency ratio | 70.8812% | 3,182 |
| Assets per employee ($millions) | 4.8636% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 2,060 |
| Loan loss allowance to noncurrent loans | 651.2821% | 812 |
| Noncurrent assets plus other real estate owned to assets | 4.5354% | 260 |
| Noncurrent loans to loans | 0.2392% | 4,805 |
| Net loans and leases to total assets | 77.6360% | 1,119 |
| Net loans and leases to deposits | 86.0631% | 2,046 |
| Net loans and leases to core deposits | 90.9582% | 2,247 |
| Total domestic deposits to total assets | 90.2083% | 572 |
| Equity capital to assets | 8.3755% | 5,778 |
| Core capital (leverage) ratio | 8.0709% | 5,892 |
| Tier 1 risk-based capital ratio | 10.9755% | 5,720 |
| Total risk-based capital ratio | 12.2340% | 5,635 |
| Memoranda: | ||
| Average total assets | $82,207,000 | 4,930 |
| Average earning assets | $73,081,000 | 4,981 |
| Average equity | $6,445,670 | 5,460 |
| Average total loans | $64,333,670 | 4,329 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7046% | 192 |
| Cost of funding earning assets | 1.1771% | 66 |
| Net interest margin | 4.5276% | 577 |
| Noninterest income to average assets | 1.2102% | 776 |
| Noninterest expense to average assets | 3.7136% | 992 |
| Loan and lease loss provision to assets | 0.4392% | 250 |
| Net operating income to assets | 1.0931% | 1,892 |
| Return on assets (ROA) | 1.0931% | 2,004 |
| Pretax return on assets | 1.0931% | 3,112 |
| Return on Equity (ROE) | 14.4376% | 802 |
| Retained earnings to average equity (ytd only) | 14.4376% | 328 |
| Net charge-offs to loans | 1.5963% | 116 |
| Credit loss provision to net charge-offs | 35.2941% | 2,225 |
| Earnings coverage of net charge-offs (x) | 1.2314% | 2,952 |
| Efficiency ratio | 70.7907% | 3,354 |
| Assets per employee ($millions) | 4.8135% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 1,693 |
| Loan loss allowance to noncurrent loans | 74.9296% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 6.4659% | 152 |
| Noncurrent loans to loans | 2.2918% | 1,079 |
| Net loans and leases to total assets | 74.4174% | 1,439 |
| Net loans and leases to deposits | 81.8261% | 2,354 |
| Net loans and leases to core deposits | 87.0849% | 2,420 |
| Total domestic deposits to total assets | 90.9458% | 388 |
| Equity capital to assets | 7.7210% | 6,118 |
| Core capital (leverage) ratio | 7.7908% | 6,034 |
| Tier 1 risk-based capital ratio | 10.6403% | 5,967 |
| Total risk-based capital ratio | 11.8967% | 5,888 |
| Memoranda: | ||
| Average total assets | $81,969,500 | 4,990 |
| Average earning assets | $73,063,500 | 5,023 |
| Average equity | $6,206,000 | 5,552 |
| Average total loans | $63,897,000 | 4,365 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0159% | 149 |
| Cost of funding earning assets | 1.3077% | 51 |
| Net interest margin | 4.7081% | 517 |
| Noninterest income to average assets | 0.8591% | 1,646 |
| Noninterest expense to average assets | 3.8300% | 944 |
| Loan and lease loss provision to assets | 0.1640% | 1,600 |
| Net operating income to assets | 1.2186% | 1,532 |
| Return on assets (ROA) | 1.2186% | 1,583 |
| Pretax return on assets | 1.0345% | 3,372 |
| Return on Equity (ROE) | 16.9969% | 492 |
| Retained earnings to average equity (ytd only) | 16.9969% | 106 |
| Net charge-offs to loans | 0.6339% | 616 |
| Credit loss provision to net charge-offs | 32.3383% | 3,803 |
| Earnings coverage of net charge-offs (x) | 2.3632% | 4,172 |
| Efficiency ratio | 76.1666% | 2,482 |
| Assets per employee ($millions) | 4.8300% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 1,386 |
| Loan loss allowance to noncurrent loans | 45.7558% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 6.3135% | 182 |
| Noncurrent loans to loans | 4.0799% | 440 |
| Net loans and leases to total assets | 78.6823% | 921 |
| Net loans and leases to deposits | 86.1643% | 1,958 |
| Net loans and leases to core deposits | 91.6098% | 2,137 |
| Total domestic deposits to total assets | 91.3165% | 271 |
| Equity capital to assets | 7.4218% | 6,254 |
| Core capital (leverage) ratio | 7.2808% | 6,261 |
| Tier 1 risk-based capital ratio | 9.8932% | 6,282 |
| Total risk-based capital ratio | 11.1530% | 6,242 |
| Memoranda: | ||
| Average total assets | $79,268,400 | 5,083 |
| Average earning assets | $70,197,800 | 5,118 |
| Average equity | $5,683,400 | 5,696 |
| Average total loans | $63,412,600 | 4,385 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9983% | 156 |
| Cost of funding earning assets | 1.3278% | 50 |
| Net interest margin | 4.6704% | 534 |
| Noninterest income to average assets | 1.0947% | 1,015 |
| Noninterest expense to average assets | 3.6745% | 1,162 |
| Loan and lease loss provision to assets | 0.1188% | 2,084 |
| Net operating income to assets | 1.5903% | 770 |
| Return on assets (ROA) | 1.5903% | 800 |
| Pretax return on assets | 1.4206% | 1,928 |
| Return on Equity (ROE) | 22.3859% | 176 |
| Retained earnings to average equity (ytd only) | 22.3859% | 49 |
| Net charge-offs to loans | 0.8046% | 413 |
| Credit loss provision to net charge-offs | 18.4697% | 3,595 |
| Earnings coverage of net charge-offs (x) | 2.3931% | 3,923 |
| Efficiency ratio | 70.4753% | 3,423 |
| Assets per employee ($millions) | 4.8814% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7593% | 1,795 |
| Loan loss allowance to noncurrent loans | 45.5136% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 7.5340% | 150 |
| Noncurrent loans to loans | 3.8655% | 571 |
| Net loans and leases to total assets | 80.2106% | 693 |
| Net loans and leases to deposits | 87.8555% | 1,693 |
| Net loans and leases to core deposits | 93.3404% | 1,928 |
| Total domestic deposits to total assets | 91.2983% | 280 |
| Equity capital to assets | 7.3086% | 6,339 |
| Core capital (leverage) ratio | 7.4019% | 6,311 |
| Tier 1 risk-based capital ratio | 9.8265% | 6,379 |
| Total risk-based capital ratio | 11.0854% | 6,350 |
| Memoranda: | ||
| Average total assets | $78,558,000 | 5,156 |
| Average earning assets | $69,285,000 | 5,194 |
| Average equity | $5,580,750 | 5,781 |
| Average total loans | $62,807,000 | 4,435 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0244% | 144 |
| Cost of funding earning assets | 1.3578% | 44 |
| Net interest margin | 4.6666% | 518 |
| Noninterest income to average assets | 1.0404% | 1,097 |
| Noninterest expense to average assets | 3.5702% | 1,352 |
| Loan and lease loss provision to assets | 0.1038% | 2,290 |
| Net operating income to assets | 1.5723% | 753 |
| Return on assets (ROA) | 1.5723% | 785 |
| Pretax return on assets | 1.4686% | 1,640 |
| Return on Equity (ROE) | 22.3644% | 184 |
| Retained earnings to average equity (ytd only) | 22.3644% | 62 |
| Net charge-offs to loans | 0.7685% | 496 |
| Credit loss provision to net charge-offs | 17.0213% | 3,230 |
| Earnings coverage of net charge-offs (x) | 2.5787% | 3,520 |
| Efficiency ratio | 69.4248% | 3,755 |
| Assets per employee ($millions) | 4.7189% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0324% | 1,307 |
| Loan loss allowance to noncurrent loans | 380.7580% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 5.6094% | 295 |
| Noncurrent loans to loans | 0.5338% | 4,410 |
| Net loans and leases to total assets | 78.4747% | 850 |
| Net loans and leases to deposits | 85.7077% | 1,852 |
| Net loans and leases to core deposits | 91.2139% | 2,005 |
| Total domestic deposits to total assets | 91.5609% | 249 |
| Equity capital to assets | 7.1477% | 6,421 |
| Core capital (leverage) ratio | 7.2372% | 6,386 |
| Tier 1 risk-based capital ratio | 9.7580% | 6,459 |
| Total risk-based capital ratio | 11.0207% | 6,436 |
| Memoranda: | ||
| Average total assets | $77,082,670 | 5,221 |
| Average earning assets | $67,757,670 | 5,275 |
| Average equity | $5,419,330 | 5,857 |
| Average total loans | $61,158,000 | 4,510 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0322% | 137 |
| Cost of funding earning assets | 1.3841% | 43 |
| Net interest margin | 4.6481% | 510 |
| Noninterest income to average assets | 0.7893% | 1,799 |
| Noninterest expense to average assets | 3.4961% | 1,494 |
| Loan and lease loss provision to assets | 0.0795% | 2,558 |
| Net operating income to assets | 1.4196% | 954 |
| Return on assets (ROA) | 1.4196% | 997 |
| Pretax return on assets | 1.2872% | 2,140 |
| Return on Equity (ROE) | 20.3725% | 268 |
| Retained earnings to average equity (ytd only) | 20.3725% | 111 |
| Net charge-offs to loans | 0.0134% | 3,335 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 379 |
| Efficiency ratio | 71.8954% | 3,508 |
| Assets per employee ($millions) | 4.0320% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4749% | 832 |
| Loan loss allowance to noncurrent loans | 259.6913% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 6.1169% | 271 |
| Noncurrent loans to loans | 0.9530% | 3,505 |
| Net loans and leases to total assets | 77.8770% | 781 |
| Net loans and leases to deposits | 84.9858% | 1,726 |
| Net loans and leases to core deposits | 92.0239% | 1,729 |
| Total domestic deposits to total assets | 91.6353% | 346 |
| Equity capital to assets | 7.0437% | 6,439 |
| Core capital (leverage) ratio | 7.1731% | 6,432 |
| Tier 1 risk-based capital ratio | 9.4433% | 6,555 |
| Total risk-based capital ratio | 10.7103% | 6,537 |
| Memoranda: | ||
| Average total assets | $75,513,000 | 5,312 |
| Average earning assets | $66,178,000 | 5,371 |
| Average equity | $5,262,000 | 5,934 |
| Average total loans | $59,607,000 | 4,607 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9117% | 198 |
| Cost of funding earning assets | 1.5197% | 49 |
| Net interest margin | 4.3920% | 926 |
| Noninterest income to average assets | 1.0231% | 1,338 |
| Noninterest expense to average assets | 3.7807% | 1,171 |
| Loan and lease loss provision to assets | 0.4817% | 584 |
| Net operating income to assets | 0.6940% | 3,820 |
| Return on assets (ROA) | 0.6940% | 3,916 |
| Pretax return on assets | 0.5613% | 5,003 |
| Return on Equity (ROE) | 10.7711% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.7711% | 452 |
| Net charge-offs to loans | 0.4155% | 1,612 |
| Credit loss provision to net charge-offs | 152.5210% | 1,521 |
| Earnings coverage of net charge-offs (x) | 3.3025% | 3,903 |
| Efficiency ratio | 78.3769% | 2,410 |
| Assets per employee ($millions) | 3.9167% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5861% | 733 |
| Loan loss allowance to noncurrent loans | 412.3626% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 6.2982% | 294 |
| Noncurrent loans to loans | 0.6272% | 4,413 |
| Net loans and leases to total assets | 75.9749% | 1,079 |
| Net loans and leases to deposits | 82.6400% | 2,113 |
| Net loans and leases to core deposits | 89.6548% | 2,061 |
| Total domestic deposits to total assets | 91.9347% | 295 |
| Equity capital to assets | 6.8908% | 6,486 |
| Core capital (leverage) ratio | 6.6319% | 6,578 |
| Tier 1 risk-based capital ratio | 9.3403% | 6,623 |
| Total risk-based capital ratio | 10.6080% | 6,606 |
| Memoranda: | ||
| Average total assets | $75,355,800 | 5,343 |
| Average earning assets | $65,210,200 | 5,429 |
| Average equity | $4,855,600 | 6,102 |
| Average total loans | $57,275,400 | 4,708 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8754% | 214 |
| Cost of funding earning assets | 1.5225% | 49 |
| Net interest margin | 4.3529% | 979 |
| Noninterest income to average assets | 1.0142% | 1,414 |
| Noninterest expense to average assets | 3.6441% | 1,330 |
| Loan and lease loss provision to assets | 0.4551% | 623 |
| Net operating income to assets | 0.6720% | 4,005 |
| Return on assets (ROA) | 0.6720% | 4,147 |
| Pretax return on assets | 0.6720% | 4,784 |
| Return on Equity (ROE) | 10.6108% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.6108% | 662 |
| Net charge-offs to loans | 0.4625% | 1,385 |
| Credit loss provision to net charge-offs | 130.3030% | 1,811 |
| Earnings coverage of net charge-offs (x) | 3.2273% | 3,761 |
| Efficiency ratio | 76.3771% | 2,672 |
| Assets per employee ($millions) | 4.1355% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3682% | 1,083 |
| Loan loss allowance to noncurrent loans | 307.4946% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 6.3800% | 348 |
| Noncurrent loans to loans | 0.7702% | 4,311 |
| Net loans and leases to total assets | 75.3430% | 1,094 |
| Net loans and leases to deposits | 81.5270% | 2,198 |
| Net loans and leases to core deposits | 89.8126% | 1,987 |
| Total domestic deposits to total assets | 92.4148% | 190 |
| Equity capital to assets | 6.3456% | 6,659 |
| Core capital (leverage) ratio | 6.4795% | 6,670 |
| Tier 1 risk-based capital ratio | 8.6698% | 6,740 |
| Total risk-based capital ratio | 9.9357% | 6,741 |
| Memoranda: | ||
| Average total assets | $75,590,250 | 5,392 |
| Average earning assets | $65,242,500 | 5,480 |
| Average equity | $4,787,500 | 6,194 |
| Average total loans | $57,084,250 | 4,758 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9110% | 207 |
| Cost of funding earning assets | 1.5370% | 49 |
| Net interest margin | 4.3740% | 893 |
| Noninterest income to average assets | 1.0188% | 1,475 |
| Noninterest expense to average assets | 3.7241% | 1,215 |
| Loan and lease loss provision to assets | 0.5175% | 513 |
| Net operating income to assets | 0.5389% | 4,616 |
| Return on assets (ROA) | 0.5389% | 4,785 |
| Pretax return on assets | 0.5389% | 5,241 |
| Return on Equity (ROE) | 8.5145% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.5145% | 1,283 |
| Net charge-offs to loans | 0.3936% | 1,642 |
| Credit loss provision to net charge-offs | 175.4545% | 1,351 |
| Earnings coverage of net charge-offs (x) | 3.5818% | 3,356 |
| Efficiency ratio | 77.9024% | 2,474 |
| Assets per employee ($millions) | 3.9846% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4642% | 1,024 |
| Loan loss allowance to noncurrent loans | 2,210.6061% | 262 |
| Noncurrent assets plus other real estate owned to assets | 6.4009% | 402 |
| Noncurrent loans to loans | 0.1115% | 6,064 |
| Net loans and leases to total assets | 76.2799% | 954 |
| Net loans and leases to deposits | 82.4717% | 1,999 |
| Net loans and leases to core deposits | 91.5185% | 1,760 |
| Total domestic deposits to total assets | 92.4922% | 186 |
| Equity capital to assets | 6.3481% | 6,709 |
| Core capital (leverage) ratio | 6.4179% | 6,709 |
| Tier 1 risk-based capital ratio | 8.5960% | 6,780 |
| Total risk-based capital ratio | 9.8623% | 6,782 |
| Memoranda: | ||
| Average total assets | $74,595,670 | 5,452 |
| Average earning assets | $64,151,670 | 5,554 |
| Average equity | $4,721,330 | 6,264 |
| Average total loans | $55,900,330 | 4,821 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7360% | 258 |
| Cost of funding earning assets | 1.5621% | 45 |
| Net interest margin | 4.1739% | 1,268 |
| Noninterest income to average assets | 1.5505% | 640 |
| Noninterest expense to average assets | 3.5170% | 1,588 |
| Loan and lease loss provision to assets | 0.7996% | 270 |
| Net operating income to assets | 0.7996% | 3,170 |
| Return on assets (ROA) | 0.7996% | 3,301 |
| Pretax return on assets | 0.7996% | 4,168 |
| Return on Equity (ROE) | 12.6523% | 1,253 |
| Retained earnings to average equity (ytd only) | 12.6523% | 601 |
| Net charge-offs to loans | 1.1356% | 525 |
| Credit loss provision to net charge-offs | 96.1039% | 1,928 |
| Earnings coverage of net charge-offs (x) | 1.9221% | 3,197 |
| Efficiency ratio | 68.7434% | 4,185 |
| Assets per employee ($millions) | 4.1641% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4687% | 1,151 |
| Loan loss allowance to noncurrent loans | 133.1390% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 9.2525% | 229 |
| Noncurrent loans to loans | 1.8543% | 2,792 |
| Net loans and leases to total assets | 72.2106% | 1,318 |
| Net loans and leases to deposits | 77.9997% | 2,336 |
| Net loans and leases to core deposits | 85.3314% | 2,178 |
| Total domestic deposits to total assets | 92.5780% | 165 |
| Equity capital to assets | 6.3413% | 6,803 |
| Core capital (leverage) ratio | 6.4701% | 6,752 |
| Tier 1 risk-based capital ratio | 8.6244% | 6,833 |
| Total risk-based capital ratio | 9.8891% | 6,836 |
| Memoranda: | ||
| Average total assets | $74,039,500 | 5,512 |
| Average earning assets | $63,249,500 | 5,640 |
| Average equity | $4,679,000 | 6,348 |
| Average total loans | $54,246,000 | 4,909 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4731% | 132 |
| Cost of funding earning assets | 1.8273% | 49 |
| Net interest margin | 4.6457% | 720 |
| Noninterest income to average assets | 0.8228% | 2,169 |
| Noninterest expense to average assets | 3.9345% | 1,059 |
| Loan and lease loss provision to assets | 0.5938% | 931 |
| Net operating income to assets | 0.0809% | 6,042 |
| Return on assets (ROA) | 0.0809% | 6,186 |
| Pretax return on assets | 0.0809% | 6,184 |
| Return on Equity (ROE) | 1.2582% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.2582% | 5,237 |
| Net charge-offs to loans | 0.7906% | 1,484 |
| Credit loss provision to net charge-offs | 99.7696% | 3,108 |
| Earnings coverage of net charge-offs (x) | 1.1336% | 4,894 |
| Efficiency ratio | 85.3615% | 1,483 |
| Assets per employee ($millions) | 4.3015% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5963% | 1,021 |
| Loan loss allowance to noncurrent loans | 72.2689% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 10.1168% | 215 |
| Noncurrent loans to loans | 3.5926% | 1,372 |
| Net loans and leases to total assets | 70.5932% | 1,732 |
| Net loans and leases to deposits | 76.1971% | 2,771 |
| Net loans and leases to core deposits | 83.2022% | 2,642 |
| Total domestic deposits to total assets | 92.6456% | 161 |
| Equity capital to assets | 6.2973% | 6,863 |
| Core capital (leverage) ratio | 6.3323% | 6,821 |
| Tier 1 risk-based capital ratio | 8.6554% | 6,880 |
| Total risk-based capital ratio | 9.9222% | 6,883 |
| Memoranda: | ||
| Average total assets | $72,918,400 | 5,550 |
| Average earning assets | $59,431,000 | 5,768 |
| Average equity | $4,689,200 | 6,390 |
| Average total loans | $54,897,000 | 4,905 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3154% | 176 |
| Cost of funding earning assets | 1.8853% | 44 |
| Net interest margin | 4.4301% | 1,141 |
| Noninterest income to average assets | 0.7941% | 2,269 |
| Noninterest expense to average assets | 3.3192% | 2,219 |
| Loan and lease loss provision to assets | 0.5855% | 962 |
| Net operating income to assets | 0.4538% | 5,021 |
| Return on assets (ROA) | 0.4538% | 5,264 |
| Pretax return on assets | 0.4538% | 5,587 |
| Return on Equity (ROE) | 7.0200% | 3,803 |
| Retained earnings to average equity (ytd only) | 7.0200% | 2,117 |
| Net charge-offs to loans | 0.8211% | 1,335 |
| Credit loss provision to net charge-offs | 93.8416% | 3,180 |
| Earnings coverage of net charge-offs (x) | 1.6657% | 4,442 |
| Efficiency ratio | 76.1545% | 2,650 |
| Assets per employee ($millions) | 4.6453% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4557% | 1,263 |
| Loan loss allowance to noncurrent loans | 83.0374% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 8.5355% | 340 |
| Noncurrent loans to loans | 2.9574% | 1,892 |
| Net loans and leases to total assets | 72.4682% | 1,472 |
| Net loans and leases to deposits | 79.8867% | 2,405 |
| Net loans and leases to core deposits | 87.2627% | 2,309 |
| Total domestic deposits to total assets | 90.7138% | 512 |
| Equity capital to assets | 6.4501% | 6,948 |
| Core capital (leverage) ratio | 6.5782% | 6,870 |
| Tier 1 risk-based capital ratio | 8.9010% | 6,949 |
| Total risk-based capital ratio | 10.1673% | 6,951 |
| Memoranda: | ||
| Average total assets | $72,866,500 | 5,606 |
| Average earning assets | $58,628,000 | 5,857 |
| Average equity | $4,710,250 | 6,454 |
| Average total loans | $55,371,750 | 4,939 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6176% | 130 |
| Cost of funding earning assets | 2.0081% | 34 |
| Net interest margin | 4.6095% | 808 |
| Noninterest income to average assets | 1.1854% | 1,013 |
| Noninterest expense to average assets | 3.4788% | 1,834 |
| Loan and lease loss provision to assets | 0.6880% | 807 |
| Net operating income to assets | 0.6438% | 4,143 |
| Return on assets (ROA) | 0.6438% | 4,395 |
| Pretax return on assets | 0.6466% | 4,976 |
| Return on Equity (ROE) | 9.9523% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.9523% | 991 |
| Net charge-offs to loans | 1.2558% | 855 |
| Credit loss provision to net charge-offs | 71.5517% | 3,518 |
| Earnings coverage of net charge-offs (x) | 1.3879% | 4,314 |
| Efficiency ratio | 72.2732% | 3,380 |
| Assets per employee ($millions) | 4.3275% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2502% | 1,674 |
| Loan loss allowance to noncurrent loans | 46.3884% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 10.7329% | 229 |
| Noncurrent loans to loans | 4.8507% | 1,043 |
| Net loans and leases to total assets | 75.4649% | 1,037 |
| Net loans and leases to deposits | 83.0138% | 1,978 |
| Net loans and leases to core deposits | 90.7290% | 1,906 |
| Total domestic deposits to total assets | 90.9064% | 485 |
| Equity capital to assets | 6.4960% | 6,979 |
| Core capital (leverage) ratio | 6.3767% | 6,949 |
| Tier 1 risk-based capital ratio | 8.4581% | 7,014 |
| Total risk-based capital ratio | 9.7200% | 7,018 |
| Memoranda: | ||
| Average total assets | $72,380,330 | 5,655 |
| Average earning assets | $56,969,000 | 5,946 |
| Average equity | $4,682,330 | 6,491 |
| Average total loans | $55,423,000 | 4,972 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4231% | 71 |
| Cost of funding earning assets | 2.1464% | 27 |
| Net interest margin | 5.2766% | 265 |
| Noninterest income to average assets | 1.6493% | 539 |
| Noninterest expense to average assets | 3.6720% | 1,420 |
| Loan and lease loss provision to assets | 0.9361% | 461 |
| Net operating income to assets | 0.9807% | 2,553 |
| Return on assets (ROA) | 0.9807% | 2,757 |
| Pretax return on assets | 0.9863% | 3,721 |
| Return on Equity (ROE) | 15.1921% | 936 |
| Retained earnings to average equity (ytd only) | 15.1921% | 437 |
| Net charge-offs to loans | -0.0585% | 6,590 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6375% | 4,625 |
| Assets per employee ($millions) | 4.9062% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8052% | 999 |
| Loan loss allowance to noncurrent loans | 72.4347% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 9.9670% | 301 |
| Noncurrent loans to loans | 3.8727% | 1,595 |
| Net loans and leases to total assets | 73.1170% | 1,205 |
| Net loans and leases to deposits | 80.2293% | 2,175 |
| Net loans and leases to core deposits | 90.8123% | 1,768 |
| Total domestic deposits to total assets | 91.1350% | 497 |
| Equity capital to assets | 6.4164% | 7,030 |
| Core capital (leverage) ratio | 6.5462% | 6,961 |
| Tier 1 risk-based capital ratio | 8.4168% | 7,076 |
| Total risk-based capital ratio | 9.6859% | 7,076 |
| Memoranda: | ||
| Average total assets | $71,786,500 | 5,719 |
| Average earning assets | $53,670,500 | 6,076 |
| Average equity | $4,634,000 | 6,536 |
| Average total loans | $54,736,500 | 5,036 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9883% | 94 |
| Cost of funding earning assets | 2.5320% | 23 |
| Net interest margin | 4.4562% | 1,242 |
| Noninterest income to average assets | 0.1873% | 6,158 |
| Noninterest expense to average assets | 3.6325% | 1,682 |
| Loan and lease loss provision to assets | 2.0035% | 296 |
| Net operating income to assets | -2.2183% | 7,064 |
| Return on assets (ROA) | -2.2183% | 7,081 |
| Pretax return on assets | -2.2183% | 7,068 |
| Return on Equity (ROE) | -33.8474% | 7,119 |
| Retained earnings to average equity (ytd only) | -33.8474% | 7,113 |
| Net charge-offs to loans | 3.2873% | 254 |
| Credit loss provision to net charge-offs | 83.0006% | 4,328 |
| Earnings coverage of net charge-offs (x) | -0.0890% | 5,893 |
| Efficiency ratio | 106.2853% | 515 |
| Assets per employee ($millions) | 4.1165% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5448% | 1,253 |
| Loan loss allowance to noncurrent loans | 69.8276% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 9.5213% | 360 |
| Noncurrent loans to loans | 3.6444% | 1,739 |
| Net loans and leases to total assets | 75.3558% | 1,043 |
| Net loans and leases to deposits | 82.8291% | 2,088 |
| Net loans and leases to core deposits | 93.8895% | 1,711 |
| Total domestic deposits to total assets | 90.9774% | 516 |
| Equity capital to assets | 6.4961% | 7,046 |
| Core capital (leverage) ratio | 6.4609% | 6,987 |
| Tier 1 risk-based capital ratio | 8.2993% | 7,092 |
| Total risk-based capital ratio | 9.5644% | 7,093 |
| Memoranda: | ||
| Average total assets | $72,622,200 | 5,677 |
| Average earning assets | $52,645,200 | 6,101 |
| Average equity | $4,759,600 | 6,516 |
| Average total loans | $53,326,800 | 5,137 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1433% | 87 |
| Cost of funding earning assets | 2.6730% | 21 |
| Net interest margin | 4.4703% | 1,215 |
| Noninterest income to average assets | 0.4094% | 4,598 |
| Noninterest expense to average assets | 3.6133% | 1,683 |
| Loan and lease loss provision to assets | 1.9304% | 289 |
| Net operating income to assets | -1.9304% | 7,125 |
| Return on assets (ROA) | -1.9304% | 7,136 |
| Pretax return on assets | -1.9304% | 7,112 |
| Return on Equity (ROE) | -29.3919% | 7,191 |
| Retained earnings to average equity (ytd only) | -29.3919% | 7,184 |
| Net charge-offs to loans | 4.2209% | 140 |
| Credit loss provision to net charge-offs | 63.0797% | 4,704 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,601 |
| Efficiency ratio | 100.0000% | 658 |
| Assets per employee ($millions) | 4.1559% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9828% | 2,383 |
| Loan loss allowance to noncurrent loans | 56.0638% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 9.8314% | 371 |
| Noncurrent loans to loans | 3.5368% | 1,943 |
| Net loans and leases to total assets | 73.7456% | 1,364 |
| Net loans and leases to deposits | 81.7338% | 2,412 |
| Net loans and leases to core deposits | 93.0426% | 1,882 |
| Total domestic deposits to total assets | 90.2266% | 755 |
| Equity capital to assets | 7.2129% | 7,009 |
| Core capital (leverage) ratio | 7.1585% | 6,913 |
| Tier 1 risk-based capital ratio | 9.3328% | 7,076 |
| Total risk-based capital ratio | 10.5910% | 7,071 |
| Memoranda: | ||
| Average total assets | $73,282,750 | 5,706 |
| Average earning assets | $52,523,250 | 6,150 |
| Average equity | $4,813,000 | 6,556 |
| Average total loans | $53,130,750 | 5,198 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4204% | 75 |
| Cost of funding earning assets | 2.7679% | 17 |
| Net interest margin | 4.6525% | 811 |
| Noninterest income to average assets | 0.7875% | 2,085 |
| Noninterest expense to average assets | 3.3981% | 2,263 |
| Loan and lease loss provision to assets | 0.3317% | 2,789 |
| Net operating income to assets | 0.3533% | 5,162 |
| Return on assets (ROA) | 0.3533% | 5,298 |
| Pretax return on assets | 0.3533% | 5,533 |
| Return on Equity (ROE) | 5.5524% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.5524% | 2,664 |
| Net charge-offs to loans | 2.4284% | 499 |
| Credit loss provision to net charge-offs | 19.0698% | 5,145 |
| Earnings coverage of net charge-offs (x) | 0.3938% | 5,008 |
| Efficiency ratio | 83.2232% | 1,920 |
| Assets per employee ($millions) | 4.2680% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2271% | 1,863 |
| Loan loss allowance to noncurrent loans | 40.1742% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 11.9811% | 263 |
| Noncurrent loans to loans | 5.5436% | 1,136 |
| Net loans and leases to total assets | 69.7640% | 2,269 |
| Net loans and leases to deposits | 76.5686% | 3,362 |
| Net loans and leases to core deposits | 86.7296% | 2,792 |
| Total domestic deposits to total assets | 91.1131% | 463 |
| Equity capital to assets | 6.5439% | 7,177 |
| Core capital (leverage) ratio | 6.4854% | 7,128 |
| Tier 1 risk-based capital ratio | 8.7663% | 7,196 |
| Total risk-based capital ratio | 10.0273% | 7,197 |
| Memoranda: | ||
| Average total assets | $74,160,000 | 5,719 |
| Average earning assets | $52,530,670 | 6,208 |
| Average equity | $4,718,670 | 6,620 |
| Average total loans | $53,122,330 | 5,242 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6183% | 70 |
| Cost of funding earning assets | 2.8127% | 17 |
| Net interest margin | 4.8056% | 566 |
| Noninterest income to average assets | 1.0779% | 1,134 |
| Noninterest expense to average assets | 3.2870% | 2,609 |
| Loan and lease loss provision to assets | 0.2668% | 3,008 |
| Net operating income to assets | 0.9338% | 2,432 |
| Return on assets (ROA) | 0.9338% | 2,497 |
| Pretax return on assets | 0.9338% | 3,388 |
| Return on Equity (ROE) | 14.8810% | 840 |
| Retained earnings to average equity (ytd only) | 14.8810% | 402 |
| Net charge-offs to loans | 3.5466% | 280 |
| Credit loss provision to net charge-offs | 10.4822% | 4,375 |
| Earnings coverage of net charge-offs (x) | 0.4717% | 4,268 |
| Efficiency ratio | 73.2461% | 3,645 |
| Assets per employee ($millions) | 4.3495% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3802% | 1,633 |
| Loan loss allowance to noncurrent loans | 52.6582% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 10.1432% | 404 |
| Noncurrent loans to loans | 4.5201% | 1,545 |
| Net loans and leases to total assets | 69.2241% | 2,283 |
| Net loans and leases to deposits | 75.8162% | 3,446 |
| Net loans and leases to core deposits | 85.6280% | 2,936 |
| Total domestic deposits to total assets | 91.3052% | 482 |
| Equity capital to assets | 6.4808% | 7,215 |
| Core capital (leverage) ratio | 6.4227% | 7,186 |
| Tier 1 risk-based capital ratio | 8.7959% | 7,238 |
| Total risk-based capital ratio | 10.0587% | 7,243 |
| Memoranda: | ||
| Average total assets | $74,962,000 | 5,731 |
| Average earning assets | $53,187,500 | 6,228 |
| Average equity | $4,704,000 | 6,653 |
| Average total loans | $53,798,000 | 5,264 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5881% | 284 |
| Cost of funding earning assets | 3.2129% | 14 |
| Net interest margin | 3.3752% | 5,717 |
| Noninterest income to average assets | -0.6588% | 7,587 |
| Noninterest expense to average assets | 3.6976% | 1,703 |
| Loan and lease loss provision to assets | 1.6292% | 887 |
| Net operating income to assets | -3.5112% | 7,374 |
| Return on assets (ROA) | -3.5112% | 7,391 |
| Pretax return on assets | -3.5112% | 7,369 |
| Return on Equity (ROE) | -43.5656% | 7,381 |
| Retained earnings to average equity (ytd only) | -43.5656% | 7,375 |
| Net charge-offs to loans | 1.8504% | 1,123 |
| Credit loss provision to net charge-offs | 120.3989% | 3,504 |
| Earnings coverage of net charge-offs (x) | -1.3908% | 6,663 |
| Efficiency ratio | 203.6486% | 89 |
| Assets per employee ($millions) | 4.4696% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0365% | 844 |
| Loan loss allowance to noncurrent loans | 32.5243% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 15.6443% | 144 |
| Noncurrent loans to loans | 9.3360% | 478 |
| Net loans and leases to total assets | 70.3947% | 2,438 |
| Net loans and leases to deposits | 75.4468% | 3,930 |
| Net loans and leases to core deposits | 87.6005% | 3,105 |
| Total domestic deposits to total assets | 93.3038% | 122 |
| Equity capital to assets | 6.0750% | 7,332 |
| Core capital (leverage) ratio | 5.8655% | 7,321 |
| Tier 1 risk-based capital ratio | 7.7297% | 7,369 |
| Total risk-based capital ratio | 8.9990% | 7,372 |
| Memoranda: | ||
| Average total assets | $81,511,400 | 5,551 |
| Average earning assets | $59,759,400 | 6,005 |
| Average equity | $6,569,400 | 6,178 |
| Average total loans | $59,609,800 | 5,088 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3354% | 471 |
| Cost of funding earning assets | 3.2649% | 16 |
| Net interest margin | 3.0705% | 6,685 |
| Noninterest income to average assets | -0.2799% | 7,625 |
| Noninterest expense to average assets | 3.4083% | 2,270 |
| Loan and lease loss provision to assets | 0.8637% | 1,761 |
| Net operating income to assets | -2.2904% | 7,300 |
| Return on assets (ROA) | -2.2904% | 7,317 |
| Pretax return on assets | -2.2904% | 7,272 |
| Return on Equity (ROE) | -26.9012% | 7,340 |
| Retained earnings to average equity (ytd only) | -26.9012% | 7,332 |
| Net charge-offs to loans | 1.7654% | 1,101 |
| Credit loss provision to net charge-offs | 66.7910% | 5,515 |
| Earnings coverage of net charge-offs (x) | -1.1032% | 6,458 |
| Efficiency ratio | 171.9968% | 132 |
| Assets per employee ($millions) | 4.1489% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 2,248 |
| Loan loss allowance to noncurrent loans | 19.2577% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 15.9370% | 124 |
| Noncurrent loans to loans | 10.3344% | 392 |
| Net loans and leases to total assets | 73.9055% | 1,828 |
| Net loans and leases to deposits | 80.6375% | 3,334 |
| Net loans and leases to core deposits | 94.5241% | 2,452 |
| Total domestic deposits to total assets | 91.6515% | 266 |
| Equity capital to assets | 7.6799% | 7,012 |
| Core capital (leverage) ratio | 7.6634% | 6,712 |
| Tier 1 risk-based capital ratio | 9.5348% | 7,247 |
| Total risk-based capital ratio | 10.7916% | 7,243 |
| Memoranda: | ||
| Average total assets | $82,893,500 | 5,568 |
| Average earning assets | $61,051,750 | 6,026 |
| Average equity | $7,057,750 | 6,089 |
| Average total loans | $60,721,500 | 5,113 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0959% | 760 |
| Cost of funding earning assets | 3.4115% | 16 |
| Net interest margin | 2.6844% | 7,275 |
| Noninterest income to average assets | 0.5602% | 3,629 |
| Noninterest expense to average assets | 3.2523% | 2,722 |
| Loan and lease loss provision to assets | 0.1139% | 5,768 |
| Net operating income to assets | -0.8475% | 6,882 |
| Return on assets (ROA) | -0.8475% | 6,895 |
| Pretax return on assets | -0.8427% | 6,811 |
| Return on Equity (ROE) | -9.6587% | 6,956 |
| Retained earnings to average equity (ytd only) | -9.6587% | 6,900 |
| Net charge-offs to loans | 0.8766% | 2,080 |
| Credit loss provision to net charge-offs | 17.9104% | 5,878 |
| Earnings coverage of net charge-offs (x) | -1.1455% | 6,143 |
| Efficiency ratio | 128.8805% | 323 |
| Assets per employee ($millions) | 3.9356% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0908% | 1,978 |
| Loan loss allowance to noncurrent loans | 19.8227% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 16.6343% | 103 |
| Noncurrent loans to loans | 10.5473% | 402 |
| Net loans and leases to total assets | 73.1791% | 2,117 |
| Net loans and leases to deposits | 80.9444% | 3,442 |
| Net loans and leases to core deposits | 95.1233% | 2,572 |
| Total domestic deposits to total assets | 90.4067% | 716 |
| Equity capital to assets | 9.0470% | 5,373 |
| Core capital (leverage) ratio | 8.2986% | 5,776 |
| Tier 1 risk-based capital ratio | 10.9235% | 6,315 |
| Total risk-based capital ratio | 12.1813% | 6,296 |
| Memoranda: | ||
| Average total assets | $84,248,330 | 5,556 |
| Average earning assets | $61,615,000 | 6,041 |
| Average equity | $7,392,330 | 6,001 |
| Average total loans | $61,148,000 | 5,130 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7187% | 88 |
| Cost of funding earning assets | 3.4756% | 16 |
| Net interest margin | 4.2431% | 1,879 |
| Noninterest income to average assets | 0.5470% | 3,674 |
| Noninterest expense to average assets | 3.1534% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4597% | 4,575 |
| Return on assets (ROA) | 0.4597% | 4,696 |
| Pretax return on assets | 0.4689% | 5,059 |
| Return on Equity (ROE) | 5.3135% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.3135% | 2,978 |
| Net charge-offs to loans | 0.1027% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.3750% | 2,234 |
| Efficiency ratio | 87.0558% | 1,682 |
| Assets per employee ($millions) | 4.2390% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3873% | 1,434 |
| Loan loss allowance to noncurrent loans | 32.7397% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 13.5906% | 181 |
| Noncurrent loans to loans | 7.2919% | 800 |
| Net loans and leases to total assets | 69.1598% | 3,121 |
| Net loans and leases to deposits | 76.3679% | 4,345 |
| Net loans and leases to core deposits | 132.9245% | 421 |
| Total domestic deposits to total assets | 90.5613% | 709 |
| Equity capital to assets | 8.9385% | 5,371 |
| Core capital (leverage) ratio | 8.5228% | 5,336 |
| Tier 1 risk-based capital ratio | 11.5073% | 5,665 |
| Total risk-based capital ratio | 12.7692% | 5,629 |
| Memoranda: | ||
| Average total assets | $87,017,000 | 5,546 |
| Average earning assets | $63,067,500 | 6,051 |
| Average equity | $7,528,000 | 6,004 |
| Average total loans | $62,307,000 | 5,162 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0145% | 276 |
| Cost of funding earning assets | 3.8841% | 13 |
| Net interest margin | 3.1303% | 6,279 |
| Noninterest income to average assets | 0.2205% | 6,535 |
| Noninterest expense to average assets | 3.0423% | 3,979 |
| Loan and lease loss provision to assets | 4.1043% | 316 |
| Net operating income to assets | -3.2181% | 7,449 |
| Return on assets (ROA) | -3.2181% | 7,448 |
| Pretax return on assets | -4.4623% | 7,633 |
| Return on Equity (ROE) | -31.1199% | 7,424 |
| Retained earnings to average equity (ytd only) | -31.1199% | 7,409 |
| Net charge-offs to loans | 5.5307% | 203 |
| Credit loss provision to net charge-offs | 98.7189% | 5,644 |
| Earnings coverage of net charge-offs (x) | -0.0861% | 6,319 |
| Efficiency ratio | 113.3333% | 732 |
| Assets per employee ($millions) | 4.2502% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2464% | 1,569 |
| Loan loss allowance to noncurrent loans | 24.7440% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 12.2985% | 238 |
| Noncurrent loans to loans | 9.0787% | 493 |
| Net loans and leases to total assets | 70.6930% | 3,079 |
| Net loans and leases to deposits | 77.5796% | 4,456 |
| Net loans and leases to core deposits | 156.0069% | 394 |
| Total domestic deposits to total assets | 91.1232% | 488 |
| Equity capital to assets | 8.3782% | 6,087 |
| Core capital (leverage) ratio | 8.1390% | 5,931 |
| Tier 1 risk-based capital ratio | 10.8262% | 6,088 |
| Total risk-based capital ratio | 12.0872% | 6,053 |
| Memoranda: | ||
| Average total assets | $93,876,200 | 5,272 |
| Average earning assets | $73,890,200 | 5,684 |
| Average equity | $9,707,600 | 5,379 |
| Average total loans | $70,569,800 | 4,851 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1324% | 249 |
| Cost of funding earning assets | 3.9349% | 14 |
| Net interest margin | 3.1975% | 6,032 |
| Noninterest income to average assets | 0.3016% | 6,062 |
| Noninterest expense to average assets | 2.5942% | 5,729 |
| Loan and lease loss provision to assets | 1.7187% | 1,081 |
| Net operating income to assets | -1.4619% | 7,089 |
| Return on assets (ROA) | -1.4619% | 7,089 |
| Pretax return on assets | -1.4619% | 6,941 |
| Return on Equity (ROE) | -13.5343% | 7,107 |
| Retained earnings to average equity (ytd only) | -13.5343% | 7,044 |
| Net charge-offs to loans | 3.3538% | 460 |
| Credit loss provision to net charge-offs | 67.5676% | 6,030 |
| Earnings coverage of net charge-offs (x) | 0.1009% | 5,938 |
| Efficiency ratio | 90.9941% | 1,611 |
| Assets per employee ($millions) | 4.2005% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,589 |
| Loan loss allowance to noncurrent loans | 16.1559% | 7,275 |
| Noncurrent assets plus other real estate owned to assets | 8.1634% | 515 |
| Noncurrent loans to loans | 7.9592% | 614 |
| Net loans and leases to total assets | 75.7607% | 2,043 |
| Net loans and leases to deposits | 84.7131% | 3,532 |
| Net loans and leases to core deposits | 168.9356% | 279 |
| Total domestic deposits to total assets | 89.4321% | 1,004 |
| Equity capital to assets | 10.2335% | 3,806 |
| Core capital (leverage) ratio | 9.9432% | 3,351 |
| Tier 1 risk-based capital ratio | 13.5906% | 3,783 |
| Total risk-based capital ratio | 14.8408% | 3,722 |
| Memoranda: | ||
| Average total assets | $95,031,500 | 5,270 |
| Average earning assets | $75,765,000 | 5,640 |
| Average equity | $10,265,000 | 5,268 |
| Average total loans | $72,075,500 | 4,842 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2276% | 228 |
| Cost of funding earning assets | 3.9372% | 23 |
| Net interest margin | 3.2904% | 5,592 |
| Noninterest income to average assets | 0.2878% | 6,207 |
| Noninterest expense to average assets | 2.5338% | 6,005 |
| Loan and lease loss provision to assets | 0.3128% | 4,068 |
| Net operating income to assets | 0.0938% | 5,585 |
| Return on assets (ROA) | 0.0938% | 5,680 |
| Pretax return on assets | 0.0938% | 5,691 |
| Return on Equity (ROE) | 0.8543% | 5,674 |
| Retained earnings to average equity (ytd only) | 0.8543% | 4,840 |
| Net charge-offs to loans | 0.4941% | 2,852 |
| Credit loss provision to net charge-offs | 83.7989% | 5,091 |
| Earnings coverage of net charge-offs (x) | 1.0894% | 4,695 |
| Efficiency ratio | 86.1702% | 2,214 |
| Assets per employee ($millions) | 4.3175% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0378% | 1,498 |
| Loan loss allowance to noncurrent loans | 36.0186% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 6.9052% | 630 |
| Noncurrent loans to loans | 5.6576% | 1,010 |
| Net loans and leases to total assets | 74.4478% | 2,583 |
| Net loans and leases to deposits | 84.0504% | 3,867 |
| Net loans and leases to core deposits | 196.2234% | 135 |
| Total domestic deposits to total assets | 88.5752% | 1,493 |
| Equity capital to assets | 11.1006% | 2,836 |
| Core capital (leverage) ratio | 11.1695% | 2,277 |
| Tier 1 risk-based capital ratio | 14.6203% | 3,176 |
| Total risk-based capital ratio | 15.8807% | 3,119 |
| Memoranda: | ||
| Average total assets | $95,904,670 | 5,287 |
| Average earning assets | $77,314,670 | 5,619 |
| Average equity | $10,534,330 | 5,206 |
| Average total loans | $72,459,330 | 4,866 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9637% | 369 |
| Cost of funding earning assets | 3.9275% | 35 |
| Net interest margin | 3.0363% | 6,390 |
| Noninterest income to average assets | 0.2864% | 6,146 |
| Noninterest expense to average assets | 2.2249% | 6,786 |
| Loan and lease loss provision to assets | 0.3113% | 3,478 |
| Net operating income to assets | 0.2532% | 5,474 |
| Return on assets (ROA) | 0.2532% | 5,638 |
| Pretax return on assets | 0.2532% | 5,812 |
| Return on Equity (ROE) | 2.3173% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.3173% | 4,587 |
| Net charge-offs to loans | -0.5234% | 8,110 |
| Credit loss provision to net charge-offs | -78.9474% | 6,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7619% | 2,851 |
| Assets per employee ($millions) | 4.6318% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3814% | 869 |
| Loan loss allowance to noncurrent loans | 63.4740% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 5.6412% | 742 |
| Noncurrent loans to loans | 3.7518% | 1,653 |
| Net loans and leases to total assets | 70.3805% | 3,594 |
| Net loans and leases to deposits | 79.2491% | 4,731 |
| Net loans and leases to core deposits | 181.8633% | 224 |
| Total domestic deposits to total assets | 88.8092% | 1,335 |
| Equity capital to assets | 10.8567% | 3,116 |
| Core capital (leverage) ratio | 11.0195% | 2,485 |
| Tier 1 risk-based capital ratio | 14.8173% | 3,150 |
| Total risk-based capital ratio | 16.0801% | 3,072 |
| Memoranda: | ||
| Average total assets | $96,364,000 | 5,291 |
| Average earning assets | $79,440,000 | 5,567 |
| Average equity | $10,529,500 | 5,229 |
| Average total loans | $72,596,000 | 4,884 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3629% | 528 |
| Cost of funding earning assets | 4.1141% | 69 |
| Net interest margin | 3.2488% | 6,216 |
| Noninterest income to average assets | 0.4005% | 5,465 |
| Noninterest expense to average assets | 2.4395% | 6,259 |
| Loan and lease loss provision to assets | 1.4786% | 915 |
| Net operating income to assets | -0.2588% | 6,695 |
| Return on assets (ROA) | -0.2588% | 6,539 |
| Pretax return on assets | -0.5105% | 6,663 |
| Return on Equity (ROE) | -2.3198% | 6,544 |
| Retained earnings to average equity (ytd only) | -2.3198% | 5,956 |
| Net charge-offs to loans | 1.4128% | 833 |
| Credit loss provision to net charge-offs | 138.0590% | 3,855 |
| Earnings coverage of net charge-offs (x) | 0.9039% | 5,682 |
| Efficiency ratio | 71.5909% | 4,011 |
| Assets per employee ($millions) | 4.5458% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 1,223 |
| Loan loss allowance to noncurrent loans | 54.1712% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 3.4276% | 1,302 |
| Noncurrent loans to loans | 3.6888% | 1,364 |
| Net loans and leases to total assets | 77.0629% | 2,359 |
| Net loans and leases to deposits | 87.0520% | 3,938 |
| Net loans and leases to core deposits | 214.7695% | 127 |
| Total domestic deposits to total assets | 88.5252% | 1,236 |
| Equity capital to assets | 10.9982% | 3,042 |
| Core capital (leverage) ratio | 10.7960% | 2,746 |
| Tier 1 risk-based capital ratio | 14.1827% | 3,457 |
| Total risk-based capital ratio | 15.4417% | 3,377 |
| Memoranda: | ||
| Average total assets | $98,135,400 | 5,111 |
| Average earning assets | $90,833,200 | 5,056 |
| Average equity | $10,949,200 | 5,139 |
| Average total loans | $74,389,400 | 4,723 |