Home > BCBank, Inc. > Performance and Condition Ratios
BCBank, Inc., 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 | 5.8222% | 1,451 |
| Cost of funding earning assets | 2.3640% | 1,100 |
| Net interest margin | 3.4582% | 2,417 |
| Noninterest income to average assets | 1.3400% | 385 |
| Noninterest expense to average assets | 2.8763% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2589% | 1,570 |
| Return on assets (ROA) | 1.2589% | 1,568 |
| Pretax return on assets | 1.6922% | 1,123 |
| Return on Equity (ROE) | 13.1500% | 1,449 |
| Retained earnings to average equity (ytd only) | 13.1483% | 621 |
| Net charge-offs to loans | 0.0046% | 2,098 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 474.5000% | 205 |
| Efficiency ratio | 62.9586% | 2,603 |
| Assets per employee ($millions) | 5.5754% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 3,501 |
| Loan loss allowance to noncurrent loans | 370.5069% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 2,534 |
| Noncurrent loans to loans | 0.2524% | 2,599 |
| Net loans and leases to total assets | 76.3900% | 1,034 |
| Net loans and leases to deposits | 85.1818% | 1,577 |
| Net loans and leases to core deposits | 90.9078% | 1,989 |
| Total domestic deposits to total assets | 89.6800% | 923 |
| Equity capital to assets | 9.8490% | 2,319 |
| Core capital (leverage) ratio | 10.7623% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $224,317,000 | 2,873 |
| Average earning assets | $209,474,500 | 2,850 |
| Average equity | $21,478,000 | 2,925 |
| Average total loans | $172,976,000 | 2,586 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7261% | 1,706 |
| Cost of funding earning assets | 2.6289% | 925 |
| Net interest margin | 3.0972% | 2,952 |
| Noninterest income to average assets | 0.5300% | 1,792 |
| Noninterest expense to average assets | 2.6889% | 1,773 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.5971% | 3,239 |
| Return on assets (ROA) | 0.5971% | 3,253 |
| Pretax return on assets | 0.7071% | 3,241 |
| Return on Equity (ROE) | 6.4500% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.4523% | 1,638 |
| Net charge-offs to loans | 0.0076% | 2,637 |
| Credit loss provision to net charge-offs | 346.1538% | 797 |
| Earnings coverage of net charge-offs (x) | 123.1538% | 701 |
| Efficiency ratio | 78.6931% | 1,152 |
| Assets per employee ($millions) | 5.6404% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 3,554 |
| Loan loss allowance to noncurrent loans | 363.4312% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 2,472 |
| Noncurrent loans to loans | 0.2546% | 2,508 |
| Net loans and leases to total assets | 76.4000% | 1,092 |
| Net loans and leases to deposits | 85.6691% | 1,622 |
| Net loans and leases to core deposits | 92.6936% | 1,931 |
| Total domestic deposits to total assets | 89.1800% | 1,091 |
| Equity capital to assets | 9.3038% | 2,593 |
| Core capital (leverage) ratio | 10.4255% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $219,902,800 | 2,875 |
| Average earning assets | $205,216,800 | 2,854 |
| Average equity | $20,349,400 | 2,949 |
| Average total loans | $170,521,400 | 2,572 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6480% | 1,811 |
| Cost of funding earning assets | 2.6428% | 922 |
| Net interest margin | 3.0053% | 3,079 |
| Noninterest income to average assets | 0.5200% | 1,809 |
| Noninterest expense to average assets | 2.6956% | 1,693 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.5010% | 3,461 |
| Return on assets (ROA) | 0.5010% | 3,490 |
| Pretax return on assets | 0.5981% | 3,476 |
| Return on Equity (ROE) | 5.4200% | 3,433 |
| Retained earnings to average equity (ytd only) | 5.4220% | 2,300 |
| Net charge-offs to loans | 0.0094% | 2,294 |
| Credit loss provision to net charge-offs | 350.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 85.4167% | 882 |
| Efficiency ratio | 81.1650% | 1,005 |
| Assets per employee ($millions) | 5.5608% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 3,570 |
| Loan loss allowance to noncurrent loans | 470.1754% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 2,707 |
| Noncurrent loans to loans | 0.1978% | 2,745 |
| Net loans and leases to total assets | 77.0200% | 995 |
| Net loans and leases to deposits | 87.2324% | 1,520 |
| Net loans and leases to core deposits | 99.6916% | 1,494 |
| Total domestic deposits to total assets | 88.3000% | 1,155 |
| Equity capital to assets | 9.4960% | 2,679 |
| Core capital (leverage) ratio | 10.4595% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $218,474,250 | 2,882 |
| Average earning assets | $203,770,250 | 2,861 |
| Average equity | $20,189,000 | 2,960 |
| Average total loans | $169,659,000 | 2,573 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 1,861 |
| Cost of funding earning assets | 2.6315% | 876 |
| Net interest margin | 2.9290% | 3,199 |
| Noninterest income to average assets | 0.5000% | 1,865 |
| Noninterest expense to average assets | 2.6525% | 1,799 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.4614% | 3,532 |
| Return on assets (ROA) | 0.4614% | 3,569 |
| Pretax return on assets | 0.5489% | 3,540 |
| Return on Equity (ROE) | 5.0400% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.0407% | 2,321 |
| Net charge-offs to loans | 0.0047% | 2,280 |
| Credit loss provision to net charge-offs | 675.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 157.2500% | 585 |
| Efficiency ratio | 82.0747% | 984 |
| Assets per employee ($millions) | 5.6443% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 3,584 |
| Loan loss allowance to noncurrent loans | 237.8900% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 1,939 |
| Noncurrent loans to loans | 0.3908% | 2,019 |
| Net loans and leases to total assets | 77.5000% | 963 |
| Net loans and leases to deposits | 87.8611% | 1,494 |
| Net loans and leases to core deposits | 96.4926% | 1,706 |
| Total domestic deposits to total assets | 88.2100% | 1,247 |
| Equity capital to assets | 9.1415% | 2,645 |
| Core capital (leverage) ratio | 10.3553% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $217,155,667 | 2,889 |
| Average earning assets | $202,319,000 | 2,873 |
| Average equity | $19,878,000 | 2,954 |
| Average total loans | $168,569,333 | 2,577 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4390% | 1,930 |
| Cost of funding earning assets | 2.5880% | 857 |
| Net interest margin | 2.8510% | 3,287 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.7653% | 1,538 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.3283% | 3,765 |
| Return on assets (ROA) | 0.3283% | 3,785 |
| Pretax return on assets | 0.3746% | 3,808 |
| Return on Equity (ROE) | 3.5800% | 3,748 |
| Retained earnings to average equity (ytd only) | 3.5838% | 2,827 |
| Net charge-offs to loans | 0.0048% | 1,953 |
| Credit loss provision to net charge-offs | 250.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 104.5000% | 660 |
| Efficiency ratio | 87.7059% | 693 |
| Assets per employee ($millions) | 5.1768% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 3,566 |
| Loan loss allowance to noncurrent loans | 1,534.9515% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 3,357 |
| Noncurrent loans to loans | 0.0612% | 3,327 |
| Net loans and leases to total assets | 76.7200% | 987 |
| Net loans and leases to deposits | 87.8143% | 1,377 |
| Net loans and leases to core deposits | 96.5219% | 1,616 |
| Total domestic deposits to total assets | 87.3700% | 1,646 |
| Equity capital to assets | 9.0968% | 2,615 |
| Core capital (leverage) ratio | 10.3642% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $215,669,500 | 2,903 |
| Average earning assets | $200,770,500 | 2,890 |
| Average equity | $19,755,500 | 2,973 |
| Average total loans | $166,754,000 | 2,590 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 1,866 |
| Cost of funding earning assets | 1.9733% | 956 |
| Net interest margin | 3.1198% | 3,051 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.8396% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5230% | 3,623 |
| Return on assets (ROA) | 0.5075% | 3,647 |
| Pretax return on assets | 0.6037% | 3,626 |
| Return on Equity (ROE) | 5.5600% | 3,614 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,390 |
| Net charge-offs to loans | -0.0100% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.0621% | 773 |
| Assets per employee ($millions) | 5.0931% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 3,508 |
| Loan loss allowance to noncurrent loans | 1,474.7664% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,256 |
| Noncurrent loans to loans | 0.0648% | 3,251 |
| Net loans and leases to total assets | 76.4500% | 1,064 |
| Net loans and leases to deposits | 88.2571% | 1,405 |
| Net loans and leases to core deposits | 93.9921% | 1,777 |
| Total domestic deposits to total assets | 86.6200% | 1,814 |
| Equity capital to assets | 9.2244% | 2,526 |
| Core capital (leverage) ratio | 10.4134% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $205,730,000 | 2,951 |
| Average earning assets | $190,844,600 | 2,936 |
| Average equity | $18,782,400 | 2,955 |
| Average total loans | $159,529,600 | 2,603 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 1,864 |
| Cost of funding earning assets | 1.7731% | 1,054 |
| Net interest margin | 3.2100% | 2,894 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.8992% | 1,232 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4976% | 3,770 |
| Return on assets (ROA) | 0.4942% | 3,778 |
| Pretax return on assets | 0.5819% | 3,766 |
| Return on Equity (ROE) | 5.4300% | 3,741 |
| Retained earnings to average equity (ytd only) | 5.4281% | 2,800 |
| Net charge-offs to loans | -0.0329% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.2317% | 718 |
| Assets per employee ($millions) | 4.8853% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,269 |
| Loan loss allowance to noncurrent loans | 913.1868% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 3,015 |
| Noncurrent loans to loans | 0.1114% | 3,020 |
| Net loans and leases to total assets | 76.9600% | 1,002 |
| Net loans and leases to deposits | 88.7643% | 1,322 |
| Net loans and leases to core deposits | 95.5996% | 1,578 |
| Total domestic deposits to total assets | 86.7100% | 1,977 |
| Equity capital to assets | 8.7480% | 2,575 |
| Core capital (leverage) ratio | 10.4881% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $203,684,500 | 2,969 |
| Average earning assets | $188,737,000 | 2,958 |
| Average equity | $18,545,000 | 2,964 |
| Average total loans | $158,133,500 | 2,621 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 1,865 |
| Cost of funding earning assets | 1.5310% | 1,190 |
| Net interest margin | 3.3266% | 2,695 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.9629% | 1,100 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.5399% | 3,725 |
| Return on assets (ROA) | 0.5348% | 3,745 |
| Pretax return on assets | 0.6281% | 3,744 |
| Return on Equity (ROE) | 5.8000% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.7954% | 2,694 |
| Net charge-offs to loans | -0.0128% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.0092% | 775 |
| Assets per employee ($millions) | 4.7906% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 3,369 |
| Loan loss allowance to noncurrent loans | 824.7475% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 2,863 |
| Noncurrent loans to loans | 0.1229% | 2,860 |
| Net loans and leases to total assets | 77.3900% | 901 |
| Net loans and leases to deposits | 90.8949% | 1,117 |
| Net loans and leases to core deposits | 94.8411% | 1,533 |
| Total domestic deposits to total assets | 85.1500% | 2,502 |
| Equity capital to assets | 9.1133% | 2,435 |
| Core capital (leverage) ratio | 10.6351% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $201,556,000 | 2,992 |
| Average earning assets | $186,679,667 | 2,986 |
| Average equity | $18,601,000 | 2,975 |
| Average total loans | $156,398,000 | 2,628 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 1,890 |
| Cost of funding earning assets | 1.2453% | 1,352 |
| Net interest margin | 3.4393% | 2,530 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.9638% | 1,126 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6221% | 3,652 |
| Return on assets (ROA) | 0.6221% | 3,606 |
| Pretax return on assets | 0.7405% | 3,584 |
| Return on Equity (ROE) | 6.7000% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.6973% | 2,585 |
| Net charge-offs to loans | -0.0052% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.7313% | 933 |
| Assets per employee ($millions) | 4.6891% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,436 |
| Loan loss allowance to noncurrent loans | 787.1287% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 2,832 |
| Noncurrent loans to loans | 0.1296% | 2,864 |
| Net loans and leases to total assets | 76.5300% | 924 |
| Net loans and leases to deposits | 89.8276% | 1,066 |
| Net loans and leases to core deposits | 94.4235% | 1,363 |
| Total domestic deposits to total assets | 85.1900% | 2,806 |
| Equity capital to assets | 9.3199% | 2,283 |
| Core capital (leverage) ratio | 10.7712% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $199,336,000 | 3,043 |
| Average earning assets | $184,689,000 | 3,032 |
| Average equity | $18,515,000 | 3,016 |
| Average total loans | $154,067,500 | 2,669 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 1,011 |
| Cost of funding earning assets | 0.5213% | 1,260 |
| Net interest margin | 3.8047% | 1,154 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.6838% | 1,593 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2150% | 1,715 |
| Return on assets (ROA) | 1.2133% | 1,666 |
| Pretax return on assets | 1.4401% | 1,659 |
| Return on Equity (ROE) | 12.6200% | 1,932 |
| Retained earnings to average equity (ytd only) | 11.4913% | 781 |
| Net charge-offs to loans | 0.0497% | 1,175 |
| Credit loss provision to net charge-offs | 308.2192% | 904 |
| Earnings coverage of net charge-offs (x) | 40.7945% | 1,492 |
| Efficiency ratio | 63.2391% | 2,597 |
| Assets per employee ($millions) | 5.0523% | 3,635 |
| Cash dividends to net income (ytd only)* | 8.9378% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,160 |
| Loan loss allowance to noncurrent loans | 358.5034% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 2,038 |
| Noncurrent loans to loans | 0.2897% | 2,110 |
| Net loans and leases to total assets | 76.4600% | 965 |
| Net loans and leases to deposits | 87.3953% | 1,210 |
| Net loans and leases to core deposits | 92.1512% | 1,381 |
| Total domestic deposits to total assets | 87.4900% | 2,237 |
| Equity capital to assets | 9.2560% | 2,193 |
| Core capital (leverage) ratio | 10.6911% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $190,887,400 | 3,097 |
| Average earning assets | $177,623,800 | 3,082 |
| Average equity | $18,353,000 | 3,095 |
| Average total loans | $146,955,600 | 2,658 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2203% | 854 |
| Cost of funding earning assets | 0.3605% | 1,615 |
| Net interest margin | 3.8598% | 868 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.6751% | 1,521 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.2557% | 1,505 |
| Return on assets (ROA) | 1.2534% | 1,483 |
| Pretax return on assets | 1.5287% | 1,331 |
| Return on Equity (ROE) | 12.9100% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.4096% | 940 |
| Net charge-offs to loans | -0.0009% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.7322% | 2,859 |
| Assets per employee ($millions) | 4.9001% | 3,762 |
| Cash dividends to net income (ytd only)* | 11.6292% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 3,251 |
| Loan loss allowance to noncurrent loans | 421.4660% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,304 |
| Noncurrent loans to loans | 0.2493% | 2,384 |
| Net loans and leases to total assets | 77.3400% | 768 |
| Net loans and leases to deposits | 89.0232% | 963 |
| Net loans and leases to core deposits | 95.1489% | 1,041 |
| Total domestic deposits to total assets | 86.8800% | 2,803 |
| Equity capital to assets | 9.0585% | 2,172 |
| Core capital (leverage) ratio | 10.6229% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $189,349,250 | 3,134 |
| Average earning assets | $176,411,250 | 3,118 |
| Average equity | $18,381,750 | 3,122 |
| Average total loans | $145,634,500 | 2,677 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 755 |
| Cost of funding earning assets | 0.2838% | 1,866 |
| Net interest margin | 3.8238% | 712 |
| Noninterest income to average assets | 0.8059% | 1,027 |
| Noninterest expense to average assets | 2.5768% | 1,706 |
| Loan and lease loss provision to assets | 0.1336% | 716 |
| Net operating income to assets | 1.3780% | 960 |
| Return on assets (ROA) | 1.3798% | 935 |
| Pretax return on assets | 1.6694% | 806 |
| Return on Equity (ROE) | 13.8887% | 1,142 |
| Retained earnings to average equity (ytd only) | 11.6618% | 665 |
| Net charge-offs to loans | -0.0070% | 3,455 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8623% | 3,453 |
| Assets per employee ($millions) | 4.9472% | 3,718 |
| Cash dividends to net income (ytd only)* | 16.0341% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,352 |
| Loan loss allowance to noncurrent loans | 556.7857% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 2,675 |
| Noncurrent loans to loans | 0.1894% | 2,759 |
| Net loans and leases to total assets | 77.8267% | 568 |
| Net loans and leases to deposits | 88.3289% | 814 |
| Net loans and leases to core deposits | 92.4970% | 993 |
| Total domestic deposits to total assets | 88.1101% | 2,531 |
| Equity capital to assets | 9.5387% | 1,989 |
| Core capital (leverage) ratio | 10.5797% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,131,333 | 3,182 |
| Average earning assets | $174,800,333 | 3,174 |
| Average equity | $18,590,667 | 3,178 |
| Average total loans | $143,111,000 | 2,718 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 872 |
| Cost of funding earning assets | 0.2695% | 1,934 |
| Net interest margin | 3.6637% | 802 |
| Noninterest income to average assets | 1.0091% | 666 |
| Noninterest expense to average assets | 2.4274% | 2,081 |
| Loan and lease loss provision to assets | 0.0964% | 859 |
| Net operating income to assets | 1.5199% | 601 |
| Return on assets (ROA) | 1.5233% | 591 |
| Pretax return on assets | 1.9261% | 418 |
| Return on Equity (ROE) | 15.0317% | 648 |
| Retained earnings to average equity (ytd only) | 10.6554% | 859 |
| Net charge-offs to loans | -0.0085% | 3,523 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6024% | 4,015 |
| Assets per employee ($millions) | 5.0124% | 3,745 |
| Cash dividends to net income (ytd only)* | 29.1139% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,520 |
| Loan loss allowance to noncurrent loans | 457.2755% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,601 |
| Noncurrent loans to loans | 0.2302% | 2,672 |
| Net loans and leases to total assets | 72.8947% | 750 |
| Net loans and leases to deposits | 83.2618% | 933 |
| Net loans and leases to core deposits | 88.2743% | 1,005 |
| Total domestic deposits to total assets | 87.5488% | 2,727 |
| Equity capital to assets | 9.7642% | 2,081 |
| Core capital (leverage) ratio | 10.3402% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,701,000 | 3,193 |
| Average earning assets | $175,122,000 | 3,186 |
| Average equity | $18,920,000 | 3,242 |
| Average total loans | $140,733,000 | 2,743 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 739 |
| Cost of funding earning assets | 0.2900% | 2,507 |
| Net interest margin | 4.0920% | 609 |
| Noninterest income to average assets | 0.5789% | 2,242 |
| Noninterest expense to average assets | 3.0914% | 848 |
| Loan and lease loss provision to assets | 0.1210% | 1,022 |
| Net operating income to assets | 1.0898% | 2,334 |
| Return on assets (ROA) | 1.0932% | 2,384 |
| Pretax return on assets | 1.1773% | 2,742 |
| Return on Equity (ROE) | 11.2567% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.2164% | 861 |
| Net charge-offs to loans | 0.0248% | 1,749 |
| Credit loss provision to net charge-offs | 645.1613% | 694 |
| Earnings coverage of net charge-offs (x) | 69.0323% | 1,084 |
| Efficiency ratio | 70.4828% | 1,680 |
| Assets per employee ($millions) | 4.9441% | 3,782 |
| Cash dividends to net income (ytd only)* | 9.2418% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,691 |
| Loan loss allowance to noncurrent loans | 940.1316% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 3,361 |
| Noncurrent loans to loans | 0.1077% | 3,387 |
| Net loans and leases to total assets | 76.3768% | 496 |
| Net loans and leases to deposits | 85.4982% | 825 |
| Net loans and leases to core deposits | 91.9487% | 882 |
| Total domestic deposits to total assets | 89.3314% | 1,336 |
| Equity capital to assets | 10.5188% | 2,163 |
| Core capital (leverage) ratio | 10.7507% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,299,800 | 3,342 |
| Average earning assets | $153,789,400 | 3,336 |
| Average equity | $16,052,600 | 3,537 |
| Average total loans | $124,853,400 | 2,905 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 736 |
| Cost of funding earning assets | 0.3018% | 2,576 |
| Net interest margin | 4.1507% | 596 |
| Noninterest income to average assets | 0.5610% | 2,370 |
| Noninterest expense to average assets | 3.1822% | 735 |
| Loan and lease loss provision to assets | 0.1038% | 1,161 |
| Net operating income to assets | 1.0502% | 2,728 |
| Return on assets (ROA) | 1.0541% | 2,786 |
| Pretax return on assets | 1.1320% | 3,131 |
| Return on Equity (ROE) | 11.1172% | 2,336 |
| Retained earnings to average equity (ytd only) | 9.6576% | 1,428 |
| Net charge-offs to loans | 0.0364% | 1,354 |
| Credit loss provision to net charge-offs | 378.7879% | 888 |
| Earnings coverage of net charge-offs (x) | 45.0303% | 1,289 |
| Efficiency ratio | 72.0991% | 1,393 |
| Assets per employee ($millions) | 4.8236% | 3,866 |
| Cash dividends to net income (ytd only)* | 13.1289% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,696 |
| Loan loss allowance to noncurrent loans | 520.0000% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 3,115 |
| Noncurrent loans to loans | 0.2006% | 3,149 |
| Net loans and leases to total assets | 73.8608% | 706 |
| Net loans and leases to deposits | 82.8039% | 1,043 |
| Net loans and leases to core deposits | 87.4444% | 1,190 |
| Total domestic deposits to total assets | 89.1996% | 1,169 |
| Equity capital to assets | 10.4393% | 2,501 |
| Core capital (leverage) ratio | 10.8605% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,892,250 | 3,419 |
| Average earning assets | $149,335,000 | 3,422 |
| Average equity | $15,255,250 | 3,654 |
| Average total loans | $120,780,500 | 2,987 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 548 |
| Cost of funding earning assets | 0.3172% | 2,619 |
| Net interest margin | 4.3606% | 443 |
| Noninterest income to average assets | 0.5490% | 2,410 |
| Noninterest expense to average assets | 3.2533% | 659 |
| Loan and lease loss provision to assets | 0.1021% | 1,240 |
| Net operating income to assets | 1.1115% | 2,501 |
| Return on assets (ROA) | 1.1172% | 2,548 |
| Pretax return on assets | 1.2372% | 2,811 |
| Return on Equity (ROE) | 12.2398% | 1,960 |
| Retained earnings to average equity (ytd only) | 9.9037% | 1,425 |
| Net charge-offs to loans | 0.0204% | 1,531 |
| Credit loss provision to net charge-offs | 666.6667% | 588 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 805 |
| Efficiency ratio | 70.9354% | 1,535 |
| Assets per employee ($millions) | 4.7131% | 3,916 |
| Cash dividends to net income (ytd only)* | 19.0857% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,466 |
| Loan loss allowance to noncurrent loans | 484.6715% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 3,127 |
| Noncurrent loans to loans | 0.2245% | 3,157 |
| Net loans and leases to total assets | 75.3264% | 651 |
| Net loans and leases to deposits | 83.3807% | 1,104 |
| Net loans and leases to core deposits | 88.1265% | 1,258 |
| Total domestic deposits to total assets | 90.3404% | 630 |
| Equity capital to assets | 9.1947% | 3,604 |
| Core capital (leverage) ratio | 9.1719% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,639,333 | 3,462 |
| Average earning assets | $145,027,000 | 3,467 |
| Average equity | $14,297,667 | 3,760 |
| Average total loans | $117,836,667 | 3,027 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 712 |
| Cost of funding earning assets | 0.3240% | 2,763 |
| Net interest margin | 4.2371% | 571 |
| Noninterest income to average assets | 0.5373% | 2,444 |
| Noninterest expense to average assets | 3.2395% | 667 |
| Loan and lease loss provision to assets | 0.0904% | 1,467 |
| Net operating income to assets | 0.8862% | 3,163 |
| Return on assets (ROA) | 0.8964% | 3,211 |
| Pretax return on assets | 1.1393% | 3,013 |
| Return on Equity (ROE) | 9.8583% | 2,748 |
| Retained earnings to average equity (ytd only) | 5.1138% | 3,189 |
| Net charge-offs to loans | 0.0173% | 1,404 |
| Credit loss provision to net charge-offs | 700.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 94.2000% | 638 |
| Efficiency ratio | 72.6957% | 1,434 |
| Assets per employee ($millions) | 4.6524% | 3,981 |
| Cash dividends to net income (ytd only)* | 48.1268% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,516 |
| Loan loss allowance to noncurrent loans | 390.0302% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 3,016 |
| Noncurrent loans to loans | 0.2773% | 3,105 |
| Net loans and leases to total assets | 74.6471% | 758 |
| Net loans and leases to deposits | 83.8766% | 1,159 |
| Net loans and leases to core deposits | 88.9383% | 1,293 |
| Total domestic deposits to total assets | 88.9963% | 1,344 |
| Equity capital to assets | 8.9188% | 3,763 |
| Core capital (leverage) ratio | 9.2125% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,837,000 | 3,481 |
| Average earning assets | $143,212,500 | 3,484 |
| Average equity | $14,079,500 | 3,786 |
| Average total loans | $115,738,000 | 3,056 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 752 |
| Cost of funding earning assets | 0.5636% | 2,543 |
| Net interest margin | 4.2250% | 602 |
| Noninterest income to average assets | 0.5879% | 2,267 |
| Noninterest expense to average assets | 3.2579% | 956 |
| Loan and lease loss provision to assets | 0.1028% | 3,044 |
| Net operating income to assets | 0.8686% | 2,829 |
| Return on assets (ROA) | 0.8989% | 2,834 |
| Pretax return on assets | 1.1380% | 2,558 |
| Return on Equity (ROE) | 9.9293% | 2,028 |
| Retained earnings to average equity (ytd only) | 8.8622% | 804 |
| Net charge-offs to loans | 0.0289% | 2,455 |
| Credit loss provision to net charge-offs | 483.8710% | 1,279 |
| Earnings coverage of net charge-offs (x) | 56.6129% | 1,103 |
| Efficiency ratio | 73.0415% | 1,567 |
| Assets per employee ($millions) | 4.4556% | 3,961 |
| Cash dividends to net income (ytd only)* | 10.7470% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 3,339 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 3,210 |
| Noncurrent loans to loans | 0.2676% | 3,236 |
| Net loans and leases to total assets | 73.1700% | 1,134 |
| Net loans and leases to deposits | 83.7908% | 1,483 |
| Net loans and leases to core deposits | 85.0770% | 1,947 |
| Total domestic deposits to total assets | 87.3247% | 1,781 |
| Equity capital to assets | 9.2751% | 3,817 |
| Core capital (leverage) ratio | 9.2835% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,954,800 | 3,445 |
| Average earning assets | $133,774,400 | 3,458 |
| Average equity | $13,213,400 | 3,842 |
| Average total loans | $107,244,400 | 3,136 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 752 |
| Cost of funding earning assets | 0.6250% | 2,456 |
| Net interest margin | 4.2609% | 639 |
| Noninterest income to average assets | 0.5699% | 2,305 |
| Noninterest expense to average assets | 3.2325% | 1,014 |
| Loan and lease loss provision to assets | 0.1058% | 2,996 |
| Net operating income to assets | 0.9144% | 2,644 |
| Return on assets (ROA) | 0.9518% | 2,650 |
| Pretax return on assets | 1.1759% | 2,468 |
| Return on Equity (ROE) | 10.5811% | 1,819 |
| Retained earnings to average equity (ytd only) | 9.1354% | 947 |
| Net charge-offs to loans | 0.0277% | 2,280 |
| Credit loss provision to net charge-offs | 522.7273% | 1,255 |
| Earnings coverage of net charge-offs (x) | 60.9091% | 1,091 |
| Efficiency ratio | 72.3426% | 1,606 |
| Assets per employee ($millions) | 4.4464% | 3,909 |
| Cash dividends to net income (ytd only)* | 13.6628% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 3,156 |
| Loan loss allowance to noncurrent loans | 335.3261% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 3,132 |
| Noncurrent loans to loans | 0.3310% | 3,095 |
| Net loans and leases to total assets | 72.7229% | 1,553 |
| Net loans and leases to deposits | 84.7473% | 1,835 |
| Net loans and leases to core deposits | 86.4697% | 2,278 |
| Total domestic deposits to total assets | 85.8114% | 2,145 |
| Equity capital to assets | 9.0198% | 4,107 |
| Core capital (leverage) ratio | 9.2690% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,570,750 | 3,450 |
| Average earning assets | $132,268,500 | 3,468 |
| Average equity | $13,004,000 | 3,868 |
| Average total loans | $106,029,000 | 3,155 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0631% | 736 |
| Cost of funding earning assets | 0.7226% | 2,272 |
| Net interest margin | 4.3405% | 689 |
| Noninterest income to average assets | 0.5563% | 2,326 |
| Noninterest expense to average assets | 3.2872% | 1,015 |
| Loan and lease loss provision to assets | 0.0913% | 3,127 |
| Net operating income to assets | 0.9402% | 2,539 |
| Return on assets (ROA) | 0.9482% | 2,630 |
| Pretax return on assets | 1.1533% | 2,533 |
| Return on Equity (ROE) | 10.5524% | 1,792 |
| Retained earnings to average equity (ytd only) | 8.3481% | 1,206 |
| Net charge-offs to loans | 0.0153% | 2,437 |
| Credit loss provision to net charge-offs | 812.5000% | 912 |
| Earnings coverage of net charge-offs (x) | 109.8750% | 659 |
| Efficiency ratio | 72.6934% | 1,601 |
| Assets per employee ($millions) | 4.4482% | 3,857 |
| Cash dividends to net income (ytd only)* | 20.8889% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,055 |
| Loan loss allowance to noncurrent loans | 375.5486% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 3,376 |
| Noncurrent loans to loans | 0.2931% | 3,331 |
| Net loans and leases to total assets | 73.3224% | 1,504 |
| Net loans and leases to deposits | 85.7043% | 1,798 |
| Net loans and leases to core deposits | 87.5069% | 2,303 |
| Total domestic deposits to total assets | 85.5528% | 2,179 |
| Equity capital to assets | 9.0265% | 4,071 |
| Core capital (leverage) ratio | 9.1846% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,368,333 | 3,457 |
| Average earning assets | $130,078,000 | 3,472 |
| Average equity | $12,793,333 | 3,896 |
| Average total loans | $104,313,667 | 3,173 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 1,340 |
| Cost of funding earning assets | 0.8911% | 1,914 |
| Net interest margin | 3.9428% | 1,545 |
| Noninterest income to average assets | 0.5936% | 2,065 |
| Noninterest expense to average assets | 3.2763% | 1,269 |
| Loan and lease loss provision to assets | 0.0828% | 2,659 |
| Net operating income to assets | 0.6627% | 3,396 |
| Return on assets (ROA) | 0.6764% | 3,413 |
| Pretax return on assets | 0.8505% | 3,285 |
| Return on Equity (ROE) | 7.5448% | 2,718 |
| Retained earnings to average equity (ytd only) | 3.0561% | 3,059 |
| Net charge-offs to loans | 0.0078% | 2,286 |
| Credit loss provision to net charge-offs | 1,450.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 160.5000% | 409 |
| Efficiency ratio | 78.1484% | 1,315 |
| Assets per employee ($millions) | 3.9182% | 4,031 |
| Cash dividends to net income (ytd only)* | 59.4937% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,994 |
| Loan loss allowance to noncurrent loans | 379.2208% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 3,511 |
| Noncurrent loans to loans | 0.3004% | 3,425 |
| Net loans and leases to total assets | 71.8488% | 1,942 |
| Net loans and leases to deposits | 85.4002% | 2,068 |
| Net loans and leases to core deposits | 88.8868% | 2,459 |
| Total domestic deposits to total assets | 84.1318% | 2,748 |
| Equity capital to assets | 8.9603% | 4,624 |
| Core capital (leverage) ratio | 9.2290% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,157,500 | 3,454 |
| Average earning assets | $127,929,500 | 3,472 |
| Average equity | $12,565,000 | 3,933 |
| Average total loans | $102,056,500 | 3,196 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 1,829 |
| Cost of funding earning assets | 1.0088% | 1,689 |
| Net interest margin | 3.8661% | 2,287 |
| Noninterest income to average assets | 0.6465% | 2,019 |
| Noninterest expense to average assets | 3.4427% | 1,040 |
| Loan and lease loss provision to assets | 0.0720% | 2,557 |
| Net operating income to assets | 0.5079% | 4,390 |
| Return on assets (ROA) | 0.5126% | 4,433 |
| Pretax return on assets | 0.6307% | 4,370 |
| Return on Equity (ROE) | 5.5876% | 4,040 |
| Retained earnings to average equity (ytd only) | -5.1088% | 4,988 |
| Net charge-offs to loans | 0.0401% | 2,581 |
| Credit loss provision to net charge-offs | 250.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,785 |
| Efficiency ratio | 83.1652% | 715 |
| Assets per employee ($millions) | 3.8683% | 4,068 |
| Cash dividends to net income (ytd only)* | 191.4326% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 2,825 |
| Loan loss allowance to noncurrent loans | 289.5939% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 3,220 |
| Noncurrent loans to loans | 0.3878% | 3,045 |
| Net loans and leases to total assets | 72.1368% | 2,070 |
| Net loans and leases to deposits | 86.2070% | 2,061 |
| Net loans and leases to core deposits | 90.1947% | 2,405 |
| Total domestic deposits to total assets | 83.6786% | 2,961 |
| Equity capital to assets | 8.9696% | 4,698 |
| Core capital (leverage) ratio | 9.0603% | 4,478 |
| Tier 1 risk-based capital ratio | 12.9002% | 3,842 |
| Total risk-based capital ratio | 14.0419% | 3,794 |
| Memoranda: | ||
| Average total assets | $138,903,000 | 3,452 |
| Average earning assets | $125,501,400 | 3,488 |
| Average equity | $12,742,600 | 3,910 |
| Average total loans | $99,652,600 | 3,228 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8614% | 1,939 |
| Cost of funding earning assets | 1.0107% | 1,715 |
| Net interest margin | 3.8507% | 2,430 |
| Noninterest income to average assets | 0.6551% | 1,965 |
| Noninterest expense to average assets | 3.4098% | 1,071 |
| Loan and lease loss provision to assets | 0.0692% | 2,494 |
| Net operating income to assets | 0.5107% | 4,488 |
| Return on assets (ROA) | 0.5167% | 4,530 |
| Pretax return on assets | 0.6531% | 4,441 |
| Return on Equity (ROE) | 5.6017% | 4,165 |
| Retained earnings to average equity (ytd only) | 4.9457% | 2,914 |
| Net charge-offs to loans | 0.0255% | 2,588 |
| Credit loss provision to net charge-offs | 378.9474% | 798 |
| Earnings coverage of net charge-offs (x) | 39.1623% | 1,392 |
| Efficiency ratio | 82.6735% | 707 |
| Assets per employee ($millions) | 3.9488% | 3,966 |
| Cash dividends to net income (ytd only)* | 11.7103% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,029 |
| Loan loss allowance to noncurrent loans | 315.8774% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2950% | 937 |
| Noncurrent loans to loans | 0.3483% | 3,288 |
| Net loans and leases to total assets | 71.7125% | 2,218 |
| Net loans and leases to deposits | 86.7041% | 2,106 |
| Net loans and leases to core deposits | 91.9078% | 2,378 |
| Total domestic deposits to total assets | 82.7094% | 3,247 |
| Equity capital to assets | 9.3635% | 4,555 |
| Core capital (leverage) ratio | 9.9013% | 3,735 |
| Tier 1 risk-based capital ratio | 13.6716% | 3,493 |
| Total risk-based capital ratio | 14.7775% | 3,465 |
| Memoranda: | ||
| Average total assets | $138,814,000 | 3,486 |
| Average earning assets | $125,064,750 | 3,527 |
| Average equity | $12,805,500 | 3,942 |
| Average total loans | $99,166,250 | 3,278 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7935% | 2,076 |
| Cost of funding earning assets | 1.0168% | 1,618 |
| Net interest margin | 3.7767% | 2,665 |
| Noninterest income to average assets | 0.6245% | 2,042 |
| Noninterest expense to average assets | 3.4365% | 1,045 |
| Loan and lease loss provision to assets | 0.0697% | 2,425 |
| Net operating income to assets | 0.4026% | 4,734 |
| Return on assets (ROA) | 0.4038% | 4,751 |
| Pretax return on assets | 0.5185% | 4,671 |
| Return on Equity (ROE) | 4.3998% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.4027% | 3,541 |
| Net charge-offs to loans | 0.0123% | 2,697 |
| Credit loss provision to net charge-offs | 800.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 924 |
| Efficiency ratio | 85.4152% | 575 |
| Assets per employee ($millions) | 3.6784% | 4,271 |
| Cash dividends to net income (ytd only)* | 22.6619% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,970 |
| Loan loss allowance to noncurrent loans | 361.0932% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 943 |
| Noncurrent loans to loans | 0.3099% | 3,432 |
| Net loans and leases to total assets | 70.9839% | 2,389 |
| Net loans and leases to deposits | 84.7609% | 2,401 |
| Net loans and leases to core deposits | 88.2499% | 2,776 |
| Total domestic deposits to total assets | 83.7460% | 2,967 |
| Equity capital to assets | 9.3310% | 4,547 |
| Core capital (leverage) ratio | 9.8473% | 3,763 |
| Tier 1 risk-based capital ratio | 13.7608% | 3,447 |
| Total risk-based capital ratio | 14.8840% | 3,408 |
| Memoranda: | ||
| Average total assets | $137,699,330 | 3,518 |
| Average earning assets | $123,917,000 | 3,561 |
| Average equity | $12,637,000 | 3,969 |
| Average total loans | $97,862,000 | 3,316 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 2,092 |
| Cost of funding earning assets | 1.0008% | 1,562 |
| Net interest margin | 3.7359% | 2,760 |
| Noninterest income to average assets | 0.5825% | 2,130 |
| Noninterest expense to average assets | 3.3251% | 1,238 |
| Loan and lease loss provision to assets | 0.0702% | 2,254 |
| Net operating income to assets | 0.3911% | 4,752 |
| Return on assets (ROA) | 0.3981% | 4,748 |
| Pretax return on assets | 0.5503% | 4,595 |
| Return on Equity (ROE) | 4.3751% | 4,502 |
| Retained earnings to average equity (ytd only) | 2.3484% | 3,970 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4610% | 675 |
| Assets per employee ($millions) | 3.7329% | 4,298 |
| Cash dividends to net income (ytd only)* | 46.3235% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 2,951 |
| Loan loss allowance to noncurrent loans | 385.0174% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3662% | 929 |
| Noncurrent loans to loans | 0.2942% | 3,514 |
| Net loans and leases to total assets | 69.8369% | 2,510 |
| Net loans and leases to deposits | 82.8883% | 2,516 |
| Net loans and leases to core deposits | 86.5249% | 2,827 |
| Total domestic deposits to total assets | 84.2542% | 2,961 |
| Equity capital to assets | 9.1378% | 4,585 |
| Core capital (leverage) ratio | 9.9883% | 3,615 |
| Tier 1 risk-based capital ratio | 13.9081% | 3,389 |
| Total risk-based capital ratio | 15.0367% | 3,362 |
| Memoranda: | ||
| Average total assets | $136,658,500 | 3,567 |
| Average earning assets | $122,702,500 | 3,620 |
| Average equity | $12,434,000 | 4,013 |
| Average total loans | $96,620,500 | 3,374 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 1,881 |
| Cost of funding earning assets | 0.7494% | 1,794 |
| Net interest margin | 3.9352% | 2,209 |
| Noninterest income to average assets | 0.6347% | 2,130 |
| Noninterest expense to average assets | 3.5129% | 979 |
| Loan and lease loss provision to assets | 0.0768% | 2,592 |
| Net operating income to assets | 0.4682% | 4,729 |
| Return on assets (ROA) | 0.4618% | 4,742 |
| Pretax return on assets | 0.5594% | 4,708 |
| Return on Equity (ROE) | 4.9825% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.4602% | 3,072 |
| Net charge-offs to loans | 0.0033% | 3,622 |
| Credit loss provision to net charge-offs | 3,333.3333% | 151 |
| Earnings coverage of net charge-offs (x) | 279.3333% | 350 |
| Efficiency ratio | 84.5102% | 615 |
| Assets per employee ($millions) | 3.7555% | 4,235 |
| Cash dividends to net income (ytd only)* | 10.4825% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 2,927 |
| Loan loss allowance to noncurrent loans | 314.2442% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4460% | 818 |
| Noncurrent loans to loans | 0.3595% | 3,251 |
| Net loans and leases to total assets | 69.9692% | 2,563 |
| Net loans and leases to deposits | 85.6981% | 2,315 |
| Net loans and leases to core deposits | 89.1911% | 2,630 |
| Total domestic deposits to total assets | 81.6462% | 3,738 |
| Equity capital to assets | 9.0586% | 4,530 |
| Core capital (leverage) ratio | 10.0649% | 3,503 |
| Tier 1 risk-based capital ratio | 13.9727% | 3,298 |
| Total risk-based capital ratio | 15.0880% | 3,296 |
| Memoranda: | ||
| Average total assets | $130,147,600 | 3,648 |
| Average earning assets | $116,488,400 | 3,710 |
| Average equity | $12,062,200 | 4,012 |
| Average total loans | $91,535,000 | 3,447 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 1,854 |
| Cost of funding earning assets | 0.6814% | 1,970 |
| Net interest margin | 3.9637% | 2,078 |
| Noninterest income to average assets | 0.6197% | 2,209 |
| Noninterest expense to average assets | 3.3993% | 1,117 |
| Loan and lease loss provision to assets | 0.0776% | 2,406 |
| Net operating income to assets | 0.5707% | 4,587 |
| Return on assets (ROA) | 0.5638% | 4,612 |
| Pretax return on assets | 0.6786% | 4,582 |
| Return on Equity (ROE) | 6.0474% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.3483% | 3,031 |
| Net charge-offs to loans | -0.0059% | 4,257 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6398% | 804 |
| Assets per employee ($millions) | 4.0922% | 3,743 |
| Cash dividends to net income (ytd only)* | 11.5599% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,121 |
| Loan loss allowance to noncurrent loans | 301.1331% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 1.4899% | 860 |
| Noncurrent loans to loans | 0.3696% | 3,321 |
| Net loans and leases to total assets | 69.9424% | 2,658 |
| Net loans and leases to deposits | 85.9171% | 2,380 |
| Net loans and leases to core deposits | 90.5251% | 2,614 |
| Total domestic deposits to total assets | 81.4068% | 3,764 |
| Equity capital to assets | 8.9371% | 4,604 |
| Core capital (leverage) ratio | 10.1958% | 3,414 |
| Tier 1 risk-based capital ratio | 13.9600% | 3,395 |
| Total risk-based capital ratio | 15.0602% | 3,370 |
| Memoranda: | ||
| Average total assets | $128,885,000 | 3,695 |
| Average earning assets | $115,243,250 | 3,765 |
| Average equity | $12,016,000 | 4,055 |
| Average total loans | $90,499,250 | 3,498 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 2,018 |
| Cost of funding earning assets | 0.6161% | 2,128 |
| Net interest margin | 3.9068% | 2,180 |
| Noninterest income to average assets | 0.6181% | 2,233 |
| Noninterest expense to average assets | 3.3903% | 1,145 |
| Loan and lease loss provision to assets | 0.0710% | 2,468 |
| Net operating income to assets | 0.5393% | 4,653 |
| Return on assets (ROA) | 0.5393% | 4,660 |
| Pretax return on assets | 0.6465% | 4,650 |
| Return on Equity (ROE) | 5.7008% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.7008% | 2,723 |
| Net charge-offs to loans | 0.0090% | 2,812 |
| Credit loss provision to net charge-offs | 1,125.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 113.7500% | 632 |
| Efficiency ratio | 82.5336% | 798 |
| Assets per employee ($millions) | 3.9811% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,272 |
| Loan loss allowance to noncurrent loans | 398.8327% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4919% | 893 |
| Noncurrent loans to loans | 0.2755% | 3,723 |
| Net loans and leases to total assets | 70.2259% | 2,546 |
| Net loans and leases to deposits | 84.5700% | 2,469 |
| Net loans and leases to core deposits | 89.5737% | 2,608 |
| Total domestic deposits to total assets | 83.0388% | 3,404 |
| Equity capital to assets | 9.1729% | 4,406 |
| Core capital (leverage) ratio | 10.4200% | 3,116 |
| Tier 1 risk-based capital ratio | 14.2110% | 3,258 |
| Total risk-based capital ratio | 15.3024% | 3,255 |
| Memoranda: | ||
| Average total assets | $126,832,000 | 3,750 |
| Average earning assets | $113,289,330 | 3,824 |
| Average equity | $11,998,330 | 4,079 |
| Average total loans | $88,827,000 | 3,548 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 1,800 |
| Cost of funding earning assets | 0.5800% | 2,171 |
| Net interest margin | 3.9411% | 1,895 |
| Noninterest income to average assets | 0.5909% | 2,313 |
| Noninterest expense to average assets | 3.2531% | 1,448 |
| Loan and lease loss provision to assets | 0.0674% | 2,413 |
| Net operating income to assets | 0.6647% | 4,227 |
| Return on assets (ROA) | 0.6647% | 4,232 |
| Pretax return on assets | 0.7836% | 4,193 |
| Return on Equity (ROE) | 6.9161% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.9161% | 2,318 |
| Net charge-offs to loans | 0.0370% | 1,783 |
| Credit loss provision to net charge-offs | 262.5000% | 887 |
| Earnings coverage of net charge-offs (x) | 33.1250% | 1,184 |
| Efficiency ratio | 79.2645% | 1,228 |
| Assets per employee ($millions) | 3.9378% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,192 |
| Loan loss allowance to noncurrent loans | 445.0893% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.5650% | 872 |
| Noncurrent loans to loans | 0.2544% | 3,848 |
| Net loans and leases to total assets | 69.0913% | 2,616 |
| Net loans and leases to deposits | 82.5608% | 2,541 |
| Net loans and leases to core deposits | 85.0796% | 2,884 |
| Total domestic deposits to total assets | 83.6854% | 3,440 |
| Equity capital to assets | 9.5008% | 4,090 |
| Core capital (leverage) ratio | 10.5833% | 2,861 |
| Tier 1 risk-based capital ratio | 15.2030% | 2,786 |
| Total risk-based capital ratio | 16.3502% | 2,764 |
| Memoranda: | ||
| Average total assets | $124,560,000 | 3,820 |
| Average earning assets | $111,035,500 | 3,904 |
| Average equity | $11,972,000 | 4,125 |
| Average total loans | $86,598,000 | 3,619 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 1,226 |
| Cost of funding earning assets | 0.5006% | 2,331 |
| Net interest margin | 4.1890% | 1,214 |
| Noninterest income to average assets | 0.5658% | 2,624 |
| Noninterest expense to average assets | 3.4024% | 1,191 |
| Loan and lease loss provision to assets | 0.0833% | 2,536 |
| Net operating income to assets | 0.5325% | 4,284 |
| Return on assets (ROA) | 0.5358% | 4,309 |
| Pretax return on assets | 0.7950% | 4,258 |
| Return on Equity (ROE) | 5.3888% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.4418% | 2,490 |
| Net charge-offs to loans | 0.1100% | 1,967 |
| Credit loss provision to net charge-offs | 111.1111% | 2,341 |
| Earnings coverage of net charge-offs (x) | 11.6444% | 2,546 |
| Efficiency ratio | 79.5751% | 1,147 |
| Assets per employee ($millions) | 3.7306% | 4,389 |
| Cash dividends to net income (ytd only)* | 17.5739% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,021 |
| Loan loss allowance to noncurrent loans | 352.6882% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 1.6587% | 789 |
| Noncurrent loans to loans | 0.3277% | 3,600 |
| Net loans and leases to total assets | 68.3559% | 2,772 |
| Net loans and leases to deposits | 82.0445% | 2,711 |
| Net loans and leases to core deposits | 87.2422% | 2,795 |
| Total domestic deposits to total assets | 83.3157% | 3,460 |
| Equity capital to assets | 9.7246% | 4,004 |
| Core capital (leverage) ratio | 10.4652% | 2,884 |
| Tier 1 risk-based capital ratio | 15.4058% | 2,657 |
| Total risk-based capital ratio | 16.5715% | 2,632 |
| Memoranda: | ||
| Average total assets | $120,003,200 | 3,896 |
| Average earning assets | $106,277,400 | 3,979 |
| Average equity | $11,932,200 | 4,150 |
| Average total loans | $81,811,200 | 3,709 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7377% | 1,059 |
| Cost of funding earning assets | 0.4716% | 2,505 |
| Net interest margin | 4.2661% | 1,007 |
| Noninterest income to average assets | 0.6341% | 2,290 |
| Noninterest expense to average assets | 3.3884% | 1,177 |
| Loan and lease loss provision to assets | 0.0861% | 2,369 |
| Net operating income to assets | 0.6140% | 4,341 |
| Return on assets (ROA) | 0.6184% | 4,363 |
| Pretax return on assets | 0.9394% | 3,899 |
| Return on Equity (ROE) | 6.1843% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.1843% | 2,117 |
| Net charge-offs to loans | 0.1383% | 1,422 |
| Credit loss provision to net charge-offs | 91.6667% | 2,441 |
| Earnings coverage of net charge-offs (x) | 10.8450% | 2,551 |
| Efficiency ratio | 76.8840% | 1,472 |
| Assets per employee ($millions) | 3.8145% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,034 |
| Loan loss allowance to noncurrent loans | 131.5646% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 2.2456% | 529 |
| Noncurrent loans to loans | 0.8980% | 2,137 |
| Net loans and leases to total assets | 66.2609% | 3,068 |
| Net loans and leases to deposits | 80.1570% | 2,960 |
| Net loans and leases to core deposits | 83.9109% | 3,132 |
| Total domestic deposits to total assets | 82.6639% | 3,562 |
| Equity capital to assets | 10.0358% | 3,873 |
| Core capital (leverage) ratio | 10.7272% | 2,726 |
| Tier 1 risk-based capital ratio | 15.8816% | 2,555 |
| Total risk-based capital ratio | 17.0604% | 2,519 |
| Memoranda: | ||
| Average total assets | $119,226,500 | 3,949 |
| Average earning assets | $105,448,750 | 4,039 |
| Average equity | $11,922,250 | 4,189 |
| Average total loans | $80,979,750 | 3,761 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 1,703 |
| Cost of funding earning assets | 0.4482% | 2,616 |
| Net interest margin | 3.9902% | 1,636 |
| Noninterest income to average assets | 0.6273% | 2,331 |
| Noninterest expense to average assets | 3.4054% | 1,152 |
| Loan and lease loss provision to assets | 0.0964% | 2,072 |
| Net operating income to assets | 0.5953% | 4,327 |
| Return on assets (ROA) | 0.5969% | 4,366 |
| Pretax return on assets | 0.6493% | 4,687 |
| Return on Equity (ROE) | 5.9765% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.9765% | 2,135 |
| Net charge-offs to loans | 0.0496% | 2,226 |
| Credit loss provision to net charge-offs | 285.0000% | 993 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,727 |
| Efficiency ratio | 82.0701% | 1,001 |
| Assets per employee ($millions) | 3.7897% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,904 |
| Loan loss allowance to noncurrent loans | 162.5402% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 2.2174% | 533 |
| Noncurrent loans to loans | 0.7499% | 2,520 |
| Net loans and leases to total assets | 67.5622% | 2,870 |
| Net loans and leases to deposits | 81.2229% | 2,777 |
| Net loans and leases to core deposits | 82.4573% | 3,212 |
| Total domestic deposits to total assets | 83.1812% | 3,511 |
| Equity capital to assets | 9.9902% | 3,920 |
| Core capital (leverage) ratio | 10.7492% | 2,654 |
| Tier 1 risk-based capital ratio | 15.3666% | 2,772 |
| Total risk-based capital ratio | 16.5776% | 2,723 |
| Memoranda: | ||
| Average total assets | $118,281,000 | 3,986 |
| Average earning assets | $104,407,000 | 4,086 |
| Average equity | $11,813,000 | 4,219 |
| Average total loans | $80,690,670 | 3,778 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 1,798 |
| Cost of funding earning assets | 0.4275% | 2,743 |
| Net interest margin | 3.9293% | 1,677 |
| Noninterest income to average assets | 0.6131% | 2,356 |
| Noninterest expense to average assets | 3.3394% | 1,310 |
| Loan and lease loss provision to assets | 0.0856% | 2,106 |
| Net operating income to assets | 0.6165% | 4,084 |
| Return on assets (ROA) | 0.6165% | 4,140 |
| Pretax return on assets | 0.6508% | 4,592 |
| Return on Equity (ROE) | 6.1739% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.1739% | 2,243 |
| Net charge-offs to loans | 0.1056% | 1,318 |
| Credit loss provision to net charge-offs | 119.0476% | 1,409 |
| Earnings coverage of net charge-offs (x) | 10.2381% | 1,950 |
| Efficiency ratio | 81.9328% | 1,168 |
| Assets per employee ($millions) | 3.9239% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,987 |
| Loan loss allowance to noncurrent loans | 155.9809% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 2.3242% | 523 |
| Noncurrent loans to loans | 0.7840% | 2,499 |
| Net loans and leases to total assets | 67.1042% | 2,802 |
| Net loans and leases to deposits | 80.0772% | 2,744 |
| Net loans and leases to core deposits | 81.3187% | 3,157 |
| Total domestic deposits to total assets | 83.7993% | 3,551 |
| Equity capital to assets | 10.0308% | 3,715 |
| Core capital (leverage) ratio | 10.8977% | 2,482 |
| Tier 1 risk-based capital ratio | 15.3364% | 2,819 |
| Total risk-based capital ratio | 16.5216% | 2,779 |
| Memoranda: | ||
| Average total assets | $116,787,000 | 4,047 |
| Average earning assets | $102,918,000 | 4,157 |
| Average equity | $11,662,000 | 4,275 |
| Average total loans | $79,564,500 | 3,820 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 2,298 |
| Cost of funding earning assets | 0.3602% | 3,411 |
| Net interest margin | 3.8942% | 1,988 |
| Noninterest income to average assets | 0.6454% | 2,443 |
| Noninterest expense to average assets | 3.6912% | 898 |
| Loan and lease loss provision to assets | 0.0648% | 3,076 |
| Net operating income to assets | 0.3145% | 5,186 |
| Return on assets (ROA) | 0.1253% | 5,562 |
| Pretax return on assets | 0.0821% | 5,608 |
| Return on Equity (ROE) | 1.2427% | 5,528 |
| Retained earnings to average equity (ytd only) | 0.4114% | 5,157 |
| Net charge-offs to loans | 0.0176% | 3,719 |
| Credit loss provision to net charge-offs | 576.9231% | 591 |
| Earnings coverage of net charge-offs (x) | 29.9231% | 1,436 |
| Efficiency ratio | 91.6542% | 478 |
| Assets per employee ($millions) | 3.8636% | 4,204 |
| Cash dividends to net income (ytd only)* | 66.8966% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,936 |
| Loan loss allowance to noncurrent loans | 44.9677% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 3.6486% | 231 |
| Noncurrent loans to loans | 2.7363% | 541 |
| Net loans and leases to total assets | 67.4529% | 2,862 |
| Net loans and leases to deposits | 80.5971% | 2,829 |
| Net loans and leases to core deposits | 81.6509% | 3,238 |
| Total domestic deposits to total assets | 83.6915% | 3,544 |
| Equity capital to assets | 9.9802% | 3,745 |
| Core capital (leverage) ratio | 10.9976% | 2,338 |
| Tier 1 risk-based capital ratio | 15.8421% | 2,611 |
| Total risk-based capital ratio | 17.0450% | 2,564 |
| Memoranda: | ||
| Average total assets | $115,735,600 | 4,070 |
| Average earning assets | $100,507,600 | 4,193 |
| Average equity | $11,668,200 | 4,304 |
| Average total loans | $73,820,400 | 3,947 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,165 |
| Cost of funding earning assets | 0.3460% | 3,576 |
| Net interest margin | 3.9541% | 1,802 |
| Noninterest income to average assets | 0.6638% | 2,347 |
| Noninterest expense to average assets | 3.7662% | 779 |
| Loan and lease loss provision to assets | 0.0576% | 3,092 |
| Net operating income to assets | 0.2639% | 5,364 |
| Return on assets (ROA) | 0.3780% | 5,182 |
| Pretax return on assets | 0.3780% | 5,343 |
| Return on Equity (ROE) | 3.7399% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.7399% | 3,645 |
| Net charge-offs to loans | -0.0037% | 4,560 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1342% | 459 |
| Assets per employee ($millions) | 4.3565% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,955 |
| Loan loss allowance to noncurrent loans | 46.5251% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 3.5570% | 277 |
| Noncurrent loans to loans | 2.6880% | 615 |
| Net loans and leases to total assets | 64.7127% | 3,310 |
| Net loans and leases to deposits | 77.4795% | 3,245 |
| Net loans and leases to core deposits | 78.4166% | 3,619 |
| Total domestic deposits to total assets | 83.5224% | 3,392 |
| Equity capital to assets | 10.0947% | 4,043 |
| Core capital (leverage) ratio | 11.2236% | 2,251 |
| Tier 1 risk-based capital ratio | 15.9449% | 2,648 |
| Total risk-based capital ratio | 17.1470% | 2,606 |
| Memoranda: | ||
| Average total assets | $115,692,250 | 4,095 |
| Average earning assets | $100,179,500 | 4,231 |
| Average equity | $11,693,250 | 4,340 |
| Average total loans | $72,486,000 | 4,006 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 2,416 |
| Cost of funding earning assets | 0.3462% | 3,610 |
| Net interest margin | 3.8826% | 2,035 |
| Noninterest income to average assets | 0.6519% | 2,359 |
| Noninterest expense to average assets | 3.7306% | 841 |
| Loan and lease loss provision to assets | 0.0713% | 2,708 |
| Net operating income to assets | 0.2225% | 5,488 |
| Return on assets (ROA) | 0.3425% | 5,283 |
| Pretax return on assets | 0.3425% | 5,428 |
| Return on Equity (ROE) | 3.3869% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.3869% | 3,737 |
| Net charge-offs to loans | -0.0507% | 5,372 |
| Credit loss provision to net charge-offs | -227.7778% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6998% | 466 |
| Assets per employee ($millions) | 4.2160% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,799 |
| Loan loss allowance to noncurrent loans | 47.5514% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 3.6493% | 280 |
| Noncurrent loans to loans | 2.7291% | 591 |
| Net loans and leases to total assets | 64.8786% | 3,241 |
| Net loans and leases to deposits | 78.5576% | 3,099 |
| Net loans and leases to core deposits | 79.8020% | 3,476 |
| Total domestic deposits to total assets | 82.5873% | 3,803 |
| Equity capital to assets | 10.3364% | 3,811 |
| Core capital (leverage) ratio | 11.0870% | 2,336 |
| Tier 1 risk-based capital ratio | 16.2969% | 2,506 |
| Total risk-based capital ratio | 17.5472% | 2,450 |
| Memoranda: | ||
| Average total assets | $115,047,670 | 4,138 |
| Average earning assets | $99,933,670 | 4,270 |
| Average equity | $11,633,000 | 4,379 |
| Average total loans | $70,953,670 | 4,068 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 2,889 |
| Cost of funding earning assets | 0.3499% | 3,596 |
| Net interest margin | 3.7378% | 2,529 |
| Noninterest income to average assets | 0.6102% | 2,465 |
| Noninterest expense to average assets | 3.4703% | 1,236 |
| Loan and lease loss provision to assets | 0.1803% | 1,121 |
| Net operating income to assets | 0.2357% | 5,461 |
| Return on assets (ROA) | 0.4126% | 5,030 |
| Pretax return on assets | 0.3952% | 5,315 |
| Return on Equity (ROE) | 4.2122% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.2122% | 3,368 |
| Net charge-offs to loans | -0.0232% | 4,934 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6953% | 693 |
| Assets per employee ($millions) | 3.4698% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 1,222 |
| Loan loss allowance to noncurrent loans | 58.4125% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 3.7116% | 285 |
| Noncurrent loans to loans | 3.0203% | 534 |
| Net loans and leases to total assets | 59.7651% | 3,810 |
| Net loans and leases to deposits | 71.9381% | 3,653 |
| Net loans and leases to core deposits | 73.0617% | 3,974 |
| Total domestic deposits to total assets | 83.0785% | 3,867 |
| Equity capital to assets | 9.9201% | 4,189 |
| Core capital (leverage) ratio | 10.7605% | 2,662 |
| Tier 1 risk-based capital ratio | 16.6901% | 2,401 |
| Total risk-based capital ratio | 17.9455% | 2,343 |
| Memoranda: | ||
| Average total assets | $115,379,000 | 4,163 |
| Average earning assets | $100,593,000 | 4,284 |
| Average equity | $11,300,500 | 4,446 |
| Average total loans | $69,019,000 | 4,134 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 3,824 |
| Cost of funding earning assets | 0.3614% | 3,565 |
| Net interest margin | 3.5056% | 3,500 |
| Noninterest income to average assets | 0.5390% | 3,083 |
| Noninterest expense to average assets | 3.6740% | 1,011 |
| Loan and lease loss provision to assets | 0.3518% | 418 |
| Net operating income to assets | -0.4601% | 6,035 |
| Return on assets (ROA) | -0.4324% | 6,037 |
| Pretax return on assets | -0.3830% | 6,010 |
| Return on Equity (ROE) | -4.3235% | 6,034 |
| Retained earnings to average equity (ytd only) | -4.3235% | 5,881 |
| Net charge-offs to loans | 0.4610% | 593 |
| Credit loss provision to net charge-offs | 126.4798% | 2,056 |
| Earnings coverage of net charge-offs (x) | -0.2118% | 4,285 |
| Efficiency ratio | 101.6299% | 252 |
| Assets per employee ($millions) | 3.8700% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 1,319 |
| Loan loss allowance to noncurrent loans | 51.4236% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 3.8881% | 272 |
| Noncurrent loans to loans | 3.3389% | 439 |
| Net loans and leases to total assets | 57.8825% | 4,105 |
| Net loans and leases to deposits | 69.3165% | 3,990 |
| Net loans and leases to core deposits | 70.3764% | 4,278 |
| Total domestic deposits to total assets | 83.5046% | 3,672 |
| Equity capital to assets | 9.5832% | 4,458 |
| Core capital (leverage) ratio | 10.2765% | 3,182 |
| Tier 1 risk-based capital ratio | 16.2858% | 2,571 |
| Total risk-based capital ratio | 17.5402% | 2,526 |
| Memoranda: | ||
| Average total assets | $115,406,000 | 4,150 |
| Average earning assets | $101,267,800 | 4,255 |
| Average equity | $11,541,600 | 4,385 |
| Average total loans | $69,634,000 | 4,100 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 3,361 |
| Cost of funding earning assets | 0.3646% | 3,608 |
| Net interest margin | 3.6315% | 3,026 |
| Noninterest income to average assets | 0.5913% | 2,795 |
| Noninterest expense to average assets | 3.4202% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2858% | 5,498 |
| Return on assets (ROA) | 0.2858% | 5,572 |
| Pretax return on assets | 0.3517% | 5,553 |
| Return on Equity (ROE) | 2.8280% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.8280% | 4,423 |
| Net charge-offs to loans | 0.6690% | 325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.8661% | 3,902 |
| Efficiency ratio | 90.6748% | 653 |
| Assets per employee ($millions) | 3.4605% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 4,293 |
| Loan loss allowance to noncurrent loans | 32.3968% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 3.8434% | 314 |
| Noncurrent loans to loans | 3.3606% | 483 |
| Net loans and leases to total assets | 58.7131% | 4,053 |
| Net loans and leases to deposits | 71.0646% | 3,870 |
| Net loans and leases to core deposits | 71.9870% | 4,193 |
| Total domestic deposits to total assets | 82.6194% | 3,949 |
| Equity capital to assets | 10.1904% | 3,946 |
| Core capital (leverage) ratio | 10.9929% | 2,493 |
| Tier 1 risk-based capital ratio | 15.6127% | 2,992 |
| Total risk-based capital ratio | 16.5240% | 3,091 |
| Memoranda: | ||
| Average total assets | $115,232,750 | 4,191 |
| Average earning assets | $100,929,250 | 4,308 |
| Average equity | $11,645,500 | 4,414 |
| Average total loans | $69,948,750 | 4,135 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 3,655 |
| Cost of funding earning assets | 0.3645% | 3,655 |
| Net interest margin | 3.5422% | 3,328 |
| Noninterest income to average assets | 0.5537% | 3,017 |
| Noninterest expense to average assets | 3.2601% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3063% | 5,424 |
| Return on assets (ROA) | 0.3063% | 5,523 |
| Pretax return on assets | 0.4049% | 5,456 |
| Return on Equity (ROE) | 3.0391% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.0391% | 4,108 |
| Net charge-offs to loans | -0.0255% | 5,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9518% | 830 |
| Assets per employee ($millions) | 3.4149% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 2,128 |
| Loan loss allowance to noncurrent loans | 37.7235% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 4.3443% | 282 |
| Noncurrent loans to loans | 4.0753% | 369 |
| Net loans and leases to total assets | 60.5131% | 3,755 |
| Net loans and leases to deposits | 72.5639% | 3,666 |
| Net loans and leases to core deposits | 73.4883% | 3,999 |
| Total domestic deposits to total assets | 83.3929% | 3,796 |
| Equity capital to assets | 10.0433% | 3,989 |
| Core capital (leverage) ratio | 10.9439% | 2,486 |
| Tier 1 risk-based capital ratio | 14.6084% | 3,575 |
| Total risk-based capital ratio | 15.8611% | 3,503 |
| Memoranda: | ||
| Average total assets | $115,578,330 | 4,225 |
| Average earning assets | $101,519,330 | 4,328 |
| Average equity | $11,648,330 | 4,446 |
| Average total loans | $70,669,670 | 4,144 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 3,500 |
| Cost of funding earning assets | 0.3717% | 3,626 |
| Net interest margin | 3.5584% | 3,186 |
| Noninterest income to average assets | 0.5377% | 3,036 |
| Noninterest expense to average assets | 3.3266% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2593% | 5,538 |
| Return on assets (ROA) | 0.3053% | 5,497 |
| Pretax return on assets | 0.3920% | 5,446 |
| Return on Equity (ROE) | 3.0235% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.0235% | 4,166 |
| Net charge-offs to loans | -0.0171% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9005% | 789 |
| Assets per employee ($millions) | 4.0100% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 2,205 |
| Loan loss allowance to noncurrent loans | 33.9664% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 4.7459% | 270 |
| Noncurrent loans to loans | 4.5836% | 333 |
| Net loans and leases to total assets | 59.3220% | 3,757 |
| Net loans and leases to deposits | 71.2258% | 3,624 |
| Net loans and leases to core deposits | 72.1314% | 3,949 |
| Total domestic deposits to total assets | 83.2873% | 4,087 |
| Equity capital to assets | 10.1024% | 4,009 |
| Core capital (leverage) ratio | 10.8985% | 2,517 |
| Tier 1 risk-based capital ratio | 14.9999% | 3,439 |
| Total risk-based capital ratio | 16.2509% | 3,363 |
| Memoranda: | ||
| Average total assets | $115,314,000 | 4,264 |
| Average earning assets | $101,170,000 | 4,366 |
| Average equity | $11,642,000 | 4,479 |
| Average total loans | $70,326,000 | 4,173 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 3,236 |
| Cost of funding earning assets | 0.4198% | 3,479 |
| Net interest margin | 3.7027% | 3,000 |
| Noninterest income to average assets | 0.6007% | 2,854 |
| Noninterest expense to average assets | 3.0079% | 2,819 |
| Loan and lease loss provision to assets | 0.1347% | 1,945 |
| Net operating income to assets | 0.5076% | 4,784 |
| Return on assets (ROA) | 0.5109% | 4,853 |
| Pretax return on assets | 0.6941% | 4,647 |
| Return on Equity (ROE) | 4.9188% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.1062% | 3,279 |
| Net charge-offs to loans | -0.0367% | 5,840 |
| Credit loss provision to net charge-offs | -625.0000% | 5,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4911% | 2,135 |
| Assets per employee ($millions) | 4.2348% | 3,471 |
| Cash dividends to net income (ytd only)* | 16.5202% | 3,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 2,295 |
| Loan loss allowance to noncurrent loans | 37.0320% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 4.6196% | 324 |
| Noncurrent loans to loans | 4.1629% | 426 |
| Net loans and leases to total assets | 60.7737% | 3,679 |
| Net loans and leases to deposits | 72.9357% | 3,562 |
| Net loans and leases to core deposits | 74.0755% | 3,912 |
| Total domestic deposits to total assets | 83.3250% | 3,970 |
| Equity capital to assets | 10.0893% | 3,999 |
| Core capital (leverage) ratio | 10.9327% | 2,462 |
| Tier 1 risk-based capital ratio | 15.1804% | 3,389 |
| Total risk-based capital ratio | 16.4311% | 3,339 |
| Memoranda: | ||
| Average total assets | $111,371,600 | 4,359 |
| Average earning assets | $97,198,800 | 4,474 |
| Average equity | $11,567,800 | 4,442 |
| Average total loans | $65,375,000 | 4,320 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 3,459 |
| Cost of funding earning assets | 0.4258% | 3,514 |
| Net interest margin | 3.6539% | 3,209 |
| Noninterest income to average assets | 0.6014% | 2,860 |
| Noninterest expense to average assets | 2.9575% | 2,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5920% | 4,473 |
| Return on assets (ROA) | 0.6134% | 4,472 |
| Pretax return on assets | 0.8593% | 4,148 |
| Return on Equity (ROE) | 5.8627% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.8627% | 2,496 |
| Net charge-offs to loans | -0.0395% | 5,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1031% | 2,168 |
| Assets per employee ($millions) | 3.7616% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 3,476 |
| Loan loss allowance to noncurrent loans | 91.0244% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 3.0510% | 765 |
| Noncurrent loans to loans | 1.4659% | 2,218 |
| Net loans and leases to total assets | 61.1339% | 3,610 |
| Net loans and leases to deposits | 72.0015% | 3,685 |
| Net loans and leases to core deposits | 73.1273% | 4,035 |
| Total domestic deposits to total assets | 84.9064% | 3,375 |
| Equity capital to assets | 10.6355% | 3,387 |
| Core capital (leverage) ratio | 11.2064% | 2,303 |
| Tier 1 risk-based capital ratio | 15.2638% | 3,435 |
| Total risk-based capital ratio | 16.3998% | 3,438 |
| Memoranda: | ||
| Average total assets | $110,629,750 | 4,408 |
| Average earning assets | $96,443,750 | 4,539 |
| Average equity | $11,575,750 | 4,467 |
| Average total loans | $64,074,750 | 4,397 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 3,543 |
| Cost of funding earning assets | 0.4346% | 3,499 |
| Net interest margin | 3.6150% | 3,300 |
| Noninterest income to average assets | 0.5751% | 2,958 |
| Noninterest expense to average assets | 2.9666% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5999% | 4,354 |
| Return on assets (ROA) | 0.6042% | 4,436 |
| Pretax return on assets | 0.7626% | 4,408 |
| Return on Equity (ROE) | 5.8074% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.8074% | 2,441 |
| Net charge-offs to loans | -0.0451% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6676% | 2,069 |
| Assets per employee ($millions) | 3.7099% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 3,295 |
| Loan loss allowance to noncurrent loans | 82.7832% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 3.1798% | 783 |
| Noncurrent loans to loans | 1.7043% | 2,031 |
| Net loans and leases to total assets | 58.2653% | 3,959 |
| Net loans and leases to deposits | 66.4259% | 4,230 |
| Net loans and leases to core deposits | 67.4436% | 4,510 |
| Total domestic deposits to total assets | 87.7147% | 2,078 |
| Equity capital to assets | 10.5862% | 3,330 |
| Core capital (leverage) ratio | 11.0451% | 2,378 |
| Tier 1 risk-based capital ratio | 15.6092% | 3,292 |
| Total risk-based capital ratio | 16.7980% | 3,283 |
| Memoranda: | ||
| Average total assets | $109,890,000 | 4,446 |
| Average earning assets | $95,712,670 | 4,587 |
| Average equity | $11,433,670 | 4,514 |
| Average total loans | $62,125,670 | 4,480 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,574 |
| Cost of funding earning assets | 0.4509% | 3,421 |
| Net interest margin | 3.5775% | 3,346 |
| Noninterest income to average assets | 0.5385% | 3,121 |
| Noninterest expense to average assets | 2.9454% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5752% | 4,321 |
| Return on assets (ROA) | 0.5752% | 4,393 |
| Pretax return on assets | 0.7034% | 4,477 |
| Return on Equity (ROE) | 5.5775% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.5775% | 2,753 |
| Net charge-offs to loans | -0.0730% | 5,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7229% | 2,089 |
| Assets per employee ($millions) | 3.4379% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 3,169 |
| Loan loss allowance to noncurrent loans | 106.3218% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 3.0487% | 929 |
| Noncurrent loans to loans | 1.4043% | 2,680 |
| Net loans and leases to total assets | 55.4725% | 4,213 |
| Net loans and leases to deposits | 63.1972% | 4,409 |
| Net loans and leases to core deposits | 63.8384% | 4,701 |
| Total domestic deposits to total assets | 87.7769% | 2,360 |
| Equity capital to assets | 10.3733% | 3,365 |
| Core capital (leverage) ratio | 11.0171% | 2,371 |
| Tier 1 risk-based capital ratio | 15.7855% | 3,280 |
| Total risk-based capital ratio | 17.0121% | 3,260 |
| Memoranda: | ||
| Average total assets | $109,187,000 | 4,501 |
| Average earning assets | $94,927,500 | 4,659 |
| Average equity | $11,259,500 | 4,559 |
| Average total loans | $60,301,000 | 4,577 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 3,227 |
| Cost of funding earning assets | 0.4825% | 3,791 |
| Net interest margin | 3.7493% | 2,853 |
| Noninterest income to average assets | 0.5575% | 3,354 |
| Noninterest expense to average assets | 3.4377% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3227% | 5,444 |
| Return on assets (ROA) | 0.3312% | 5,518 |
| Pretax return on assets | 0.3655% | 5,570 |
| Return on Equity (ROE) | 3.2757% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.8995% | 4,183 |
| Net charge-offs to loans | 0.3075% | 2,146 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.1333% | 4,317 |
| Efficiency ratio | 90.6112% | 977 |
| Assets per employee ($millions) | 3.3863% | 5,123 |
| Cash dividends to net income (ytd only)* | 11.4846% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 2,925 |
| Loan loss allowance to noncurrent loans | 102.1229% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 3.1284% | 994 |
| Noncurrent loans to loans | 1.5260% | 2,602 |
| Net loans and leases to total assets | 53.2812% | 4,683 |
| Net loans and leases to deposits | 60.0360% | 4,934 |
| Net loans and leases to core deposits | 60.8125% | 5,154 |
| Total domestic deposits to total assets | 88.7487% | 1,779 |
| Equity capital to assets | 10.2500% | 3,443 |
| Core capital (leverage) ratio | 10.9237% | 2,457 |
| Tier 1 risk-based capital ratio | 15.9617% | 3,112 |
| Total risk-based capital ratio | 17.2036% | 3,075 |
| Memoranda: | ||
| Average total assets | $107,803,800 | 4,551 |
| Average earning assets | $93,057,200 | 4,699 |
| Average equity | $10,898,600 | 4,654 |
| Average total loans | $58,534,600 | 4,663 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 3,279 |
| Cost of funding earning assets | 0.4871% | 3,892 |
| Net interest margin | 3.7418% | 2,878 |
| Noninterest income to average assets | 0.5597% | 3,392 |
| Noninterest expense to average assets | 3.4452% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2856% | 5,664 |
| Return on assets (ROA) | 0.2960% | 5,746 |
| Pretax return on assets | 0.3517% | 5,742 |
| Return on Equity (ROE) | 2.9379% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.9379% | 4,567 |
| Net charge-offs to loans | 0.4375% | 1,469 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.4271% | 4,359 |
| Efficiency ratio | 91.0340% | 919 |
| Assets per employee ($millions) | 3.0083% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 3,521 |
| Loan loss allowance to noncurrent loans | 95.2482% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 3.3830% | 1,021 |
| Noncurrent loans to loans | 1.5567% | 2,831 |
| Net loans and leases to total assets | 56.9184% | 4,183 |
| Net loans and leases to deposits | 64.5749% | 4,453 |
| Net loans and leases to core deposits | 65.2335% | 4,778 |
| Total domestic deposits to total assets | 88.1433% | 2,031 |
| Equity capital to assets | 10.0778% | 3,797 |
| Core capital (leverage) ratio | 11.1476% | 2,343 |
| Tier 1 risk-based capital ratio | 15.5960% | 3,411 |
| Total risk-based capital ratio | 16.8009% | 3,406 |
| Memoranda: | ||
| Average total assets | $107,664,500 | 4,600 |
| Average earning assets | $92,787,000 | 4,756 |
| Average equity | $10,846,500 | 4,719 |
| Average total loans | $58,505,750 | 4,702 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 3,346 |
| Cost of funding earning assets | 0.4939% | 3,954 |
| Net interest margin | 3.7120% | 2,912 |
| Noninterest income to average assets | 0.5458% | 3,530 |
| Noninterest expense to average assets | 3.4005% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2900% | 5,632 |
| Return on assets (ROA) | 0.3116% | 5,711 |
| Pretax return on assets | 0.3725% | 5,699 |
| Return on Equity (ROE) | 3.0938% | 5,584 |
| Retained earnings to average equity (ytd only) | 3.0938% | 4,348 |
| Net charge-offs to loans | 0.6825% | 966 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.9543% | 4,212 |
| Efficiency ratio | 90.7480% | 1,004 |
| Assets per employee ($millions) | 2.7344% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,566 |
| Loan loss allowance to noncurrent loans | 82.8255% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 3.5381% | 1,078 |
| Noncurrent loans to loans | 1.8173% | 2,616 |
| Net loans and leases to total assets | 55.0431% | 4,445 |
| Net loans and leases to deposits | 62.3372% | 4,691 |
| Net loans and leases to core deposits | 62.9618% | 5,013 |
| Total domestic deposits to total assets | 88.2989% | 2,047 |
| Equity capital to assets | 10.0328% | 3,870 |
| Core capital (leverage) ratio | 10.8682% | 2,485 |
| Tier 1 risk-based capital ratio | 15.9109% | 3,245 |
| Total risk-based capital ratio | 17.1179% | 3,225 |
| Memoranda: | ||
| Average total assets | $108,455,670 | 4,595 |
| Average earning assets | $93,535,670 | 4,767 |
| Average equity | $10,925,000 | 4,739 |
| Average total loans | $57,730,330 | 4,755 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,377 |
| Cost of funding earning assets | 0.5089% | 3,991 |
| Net interest margin | 3.6726% | 2,976 |
| Noninterest income to average assets | 0.5303% | 3,569 |
| Noninterest expense to average assets | 3.4490% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2816% | 5,626 |
| Return on assets (ROA) | 0.2816% | 5,747 |
| Pretax return on assets | 0.2487% | 5,961 |
| Return on Equity (ROE) | 2.7904% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.7904% | 4,613 |
| Net charge-offs to loans | 1.3592% | 407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.3523% | 3,694 |
| Efficiency ratio | 93.2740% | 894 |
| Assets per employee ($millions) | 2.8943% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 3,284 |
| Loan loss allowance to noncurrent loans | 82.8887% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 3.4551% | 1,233 |
| Noncurrent loans to loans | 1.9637% | 2,659 |
| Net loans and leases to total assets | 49.5108% | 5,047 |
| Net loans and leases to deposits | 56.0487% | 5,234 |
| Net loans and leases to core deposits | 56.5916% | 5,466 |
| Total domestic deposits to total assets | 88.3354% | 2,106 |
| Equity capital to assets | 10.0716% | 4,052 |
| Core capital (leverage) ratio | 10.7863% | 2,468 |
| Tier 1 risk-based capital ratio | 16.0254% | 3,251 |
| Total risk-based capital ratio | 17.2561% | 3,224 |
| Memoranda: | ||
| Average total assets | $109,363,500 | 4,624 |
| Average earning assets | $94,320,500 | 4,789 |
| Average equity | $11,038,000 | 4,760 |
| Average total loans | $56,798,000 | 4,827 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 3,756 |
| Cost of funding earning assets | 0.6211% | 4,165 |
| Net interest margin | 3.7938% | 3,251 |
| Noninterest income to average assets | 0.8510% | 2,041 |
| Noninterest expense to average assets | 3.4792% | 1,865 |
| Loan and lease loss provision to assets | 0.0998% | 4,395 |
| Net operating income to assets | 0.4163% | 5,026 |
| Return on assets (ROA) | 0.4736% | 5,039 |
| Pretax return on assets | 0.6097% | 4,970 |
| Return on Equity (ROE) | 4.8760% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.4743% | 3,082 |
| Net charge-offs to loans | 0.1079% | 4,588 |
| Credit loss provision to net charge-offs | 169.2308% | 1,563 |
| Earnings coverage of net charge-offs (x) | 10.7846% | 2,105 |
| Efficiency ratio | 84.5459% | 1,566 |
| Assets per employee ($millions) | 2.9391% | 6,096 |
| Cash dividends to net income (ytd only)* | 8.2375% | 4,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 2,358 |
| Loan loss allowance to noncurrent loans | 77.4788% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 3.8153% | 1,148 |
| Noncurrent loans to loans | 2.4244% | 2,195 |
| Net loans and leases to total assets | 52.5523% | 4,833 |
| Net loans and leases to deposits | 59.5639% | 5,071 |
| Net loans and leases to core deposits | 60.1463% | 5,349 |
| Total domestic deposits to total assets | 88.2284% | 2,080 |
| Equity capital to assets | 10.1145% | 4,017 |
| Core capital (leverage) ratio | 10.7883% | 2,454 |
| Tier 1 risk-based capital ratio | 15.6437% | 3,355 |
| Total risk-based capital ratio | 16.8960% | 3,308 |
| Memoranda: | ||
| Average total assets | $110,226,200 | 4,585 |
| Average earning assets | $94,838,000 | 4,733 |
| Average equity | $10,705,600 | 4,815 |
| Average total loans | $60,256,200 | 4,700 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 3,989 |
| Cost of funding earning assets | 0.6464% | 4,227 |
| Net interest margin | 3.7688% | 3,471 |
| Noninterest income to average assets | 0.9150% | 1,779 |
| Noninterest expense to average assets | 3.5250% | 1,702 |
| Loan and lease loss provision to assets | 0.1326% | 3,888 |
| Net operating income to assets | 0.3779% | 5,337 |
| Return on assets (ROA) | 0.4521% | 5,273 |
| Pretax return on assets | 0.5955% | 5,182 |
| Return on Equity (ROE) | 4.7026% | 4,963 |
| Retained earnings to average equity (ytd only) | 4.7026% | 3,591 |
| Net charge-offs to loans | 0.0680% | 4,736 |
| Credit loss provision to net charge-offs | 354.8387% | 758 |
| Earnings coverage of net charge-offs (x) | 16.8720% | 1,654 |
| Efficiency ratio | 84.8274% | 1,489 |
| Assets per employee ($millions) | 2.9960% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 2,529 |
| Loan loss allowance to noncurrent loans | 75.9085% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 3.9654% | 1,218 |
| Noncurrent loans to loans | 2.4834% | 2,315 |
| Net loans and leases to total assets | 54.4323% | 4,682 |
| Net loans and leases to deposits | 61.7366% | 4,996 |
| Net loans and leases to core deposits | 62.3443% | 5,324 |
| Total domestic deposits to total assets | 88.1686% | 1,945 |
| Equity capital to assets | 10.0921% | 4,366 |
| Core capital (leverage) ratio | 10.4167% | 3,016 |
| Tier 1 risk-based capital ratio | 14.7995% | 3,983 |
| Total risk-based capital ratio | 16.0527% | 3,934 |
| Memoranda: | ||
| Average total assets | $110,596,500 | 4,623 |
| Average earning assets | $95,093,750 | 4,767 |
| Average equity | $10,632,250 | 4,880 |
| Average total loans | $60,759,750 | 4,738 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 4,224 |
| Cost of funding earning assets | 0.6731% | 4,244 |
| Net interest margin | 3.7174% | 3,738 |
| Noninterest income to average assets | 0.4861% | 4,017 |
| Noninterest expense to average assets | 3.1854% | 2,641 |
| Loan and lease loss provision to assets | 0.1973% | 3,110 |
| Net operating income to assets | 0.2404% | 5,794 |
| Return on assets (ROA) | 0.3551% | 5,627 |
| Pretax return on assets | 0.4484% | 5,580 |
| Return on Equity (ROE) | 3.7543% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.7543% | 4,110 |
| Net charge-offs to loans | -0.4192% | 7,110 |
| Credit loss provision to net charge-offs | -85.9375% | 6,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4234% | 1,390 |
| Assets per employee ($millions) | 3.2230% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1228% | 1,942 |
| Loan loss allowance to noncurrent loans | 61.4613% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 4.0609% | 1,249 |
| Noncurrent loans to loans | 3.4538% | 1,667 |
| Net loans and leases to total assets | 54.1526% | 4,773 |
| Net loans and leases to deposits | 61.0379% | 5,127 |
| Net loans and leases to core deposits | 62.1476% | 5,371 |
| Total domestic deposits to total assets | 88.7198% | 1,692 |
| Equity capital to assets | 9.7699% | 4,669 |
| Core capital (leverage) ratio | 9.8735% | 3,618 |
| Tier 1 risk-based capital ratio | 14.4123% | 4,167 |
| Total risk-based capital ratio | 15.6673% | 4,128 |
| Memoranda: | ||
| Average total assets | $111,509,670 | 4,630 |
| Average earning assets | $95,980,000 | 4,767 |
| Average equity | $10,548,000 | 4,904 |
| Average total loans | $61,067,330 | 4,740 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3189% | 4,665 |
| Cost of funding earning assets | 0.6950% | 4,324 |
| Net interest margin | 3.6239% | 4,157 |
| Noninterest income to average assets | 0.4232% | 4,493 |
| Noninterest expense to average assets | 3.1652% | 2,718 |
| Loan and lease loss provision to assets | 0.2134% | 2,818 |
| Net operating income to assets | 0.1243% | 6,187 |
| Return on assets (ROA) | 0.3379% | 5,698 |
| Pretax return on assets | 0.4303% | 5,643 |
| Return on Equity (ROE) | 3.6298% | 5,449 |
| Retained earnings to average equity (ytd only) | 3.6298% | 4,402 |
| Net charge-offs to loans | -0.4373% | 7,128 |
| Credit loss provision to net charge-offs | -89.5522% | 5,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4472% | 1,142 |
| Assets per employee ($millions) | 3.3060% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 2,574 |
| Loan loss allowance to noncurrent loans | 51.0860% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 4.1084% | 1,336 |
| Noncurrent loans to loans | 3.7879% | 1,633 |
| Net loans and leases to total assets | 53.0208% | 4,880 |
| Net loans and leases to deposits | 59.3933% | 5,235 |
| Net loans and leases to core deposits | 60.4346% | 5,492 |
| Total domestic deposits to total assets | 89.2707% | 1,499 |
| Equity capital to assets | 9.2551% | 5,148 |
| Core capital (leverage) ratio | 9.6447% | 3,854 |
| Tier 1 risk-based capital ratio | 14.0327% | 4,450 |
| Total risk-based capital ratio | 15.2856% | 4,414 |
| Memoranda: | ||
| Average total assets | $112,474,000 | 4,642 |
| Average earning assets | $96,691,000 | 4,781 |
| Average equity | $10,469,000 | 4,924 |
| Average total loans | $61,287,000 | 4,762 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 4,514 |
| Cost of funding earning assets | 0.8576% | 4,414 |
| Net interest margin | 3.7804% | 3,922 |
| Noninterest income to average assets | 0.4430% | 4,283 |
| Noninterest expense to average assets | 3.1857% | 2,914 |
| Loan and lease loss provision to assets | 0.2852% | 3,381 |
| Net operating income to assets | 0.1756% | 5,658 |
| Return on assets (ROA) | 0.1756% | 5,803 |
| Pretax return on assets | 0.2371% | 5,698 |
| Return on Equity (ROE) | 1.8462% | 5,721 |
| Retained earnings to average equity (ytd only) | 1.8462% | 4,903 |
| Net charge-offs to loans | 1.2477% | 1,335 |
| Credit loss provision to net charge-offs | 40.4551% | 5,617 |
| Earnings coverage of net charge-offs (x) | 0.7408% | 5,252 |
| Efficiency ratio | 85.9135% | 1,574 |
| Assets per employee ($millions) | 3.3101% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6974% | 3,215 |
| Loan loss allowance to noncurrent loans | 38.5095% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 4.6915% | 1,164 |
| Noncurrent loans to loans | 4.4077% | 1,364 |
| Net loans and leases to total assets | 53.9802% | 5,042 |
| Net loans and leases to deposits | 60.5643% | 5,429 |
| Net loans and leases to core deposits | 61.6215% | 5,689 |
| Total domestic deposits to total assets | 89.1288% | 1,460 |
| Equity capital to assets | 9.3607% | 5,074 |
| Core capital (leverage) ratio | 9.4984% | 4,027 |
| Tier 1 risk-based capital ratio | 13.8010% | 4,478 |
| Total risk-based capital ratio | 15.0519% | 4,437 |
| Memoranda: | ||
| Average total assets | $112,188,600 | 4,589 |
| Average earning assets | $96,895,400 | 4,716 |
| Average equity | $10,670,600 | 4,868 |
| Average total loans | $63,395,600 | 4,729 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 4,652 |
| Cost of funding earning assets | 0.8761% | 4,581 |
| Net interest margin | 3.7797% | 3,971 |
| Noninterest income to average assets | 0.4163% | 4,535 |
| Noninterest expense to average assets | 3.2018% | 2,829 |
| Loan and lease loss provision to assets | 0.1189% | 4,950 |
| Net operating income to assets | 0.2855% | 5,445 |
| Return on assets (ROA) | 0.2855% | 5,617 |
| Pretax return on assets | 0.3592% | 5,577 |
| Return on Equity (ROE) | 2.9893% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.9893% | 4,562 |
| Net charge-offs to loans | 1.1620% | 1,356 |
| Credit loss provision to net charge-offs | 17.9856% | 5,586 |
| Earnings coverage of net charge-offs (x) | 0.7230% | 5,078 |
| Efficiency ratio | 87.0071% | 1,436 |
| Assets per employee ($millions) | 3.2323% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 3,312 |
| Loan loss allowance to noncurrent loans | 46.7282% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 4.4480% | 1,348 |
| Noncurrent loans to loans | 3.6145% | 1,899 |
| Net loans and leases to total assets | 54.7455% | 5,046 |
| Net loans and leases to deposits | 61.2458% | 5,483 |
| Net loans and leases to core deposits | 62.3100% | 5,795 |
| Total domestic deposits to total assets | 89.3865% | 1,202 |
| Equity capital to assets | 9.6766% | 4,812 |
| Core capital (leverage) ratio | 9.6743% | 3,884 |
| Tier 1 risk-based capital ratio | 13.9617% | 4,383 |
| Total risk-based capital ratio | 15.2133% | 4,353 |
| Memoranda: | ||
| Average total assets | $112,099,500 | 4,615 |
| Average earning assets | $96,794,500 | 4,746 |
| Average equity | $10,704,500 | 4,866 |
| Average total loans | $63,794,250 | 4,762 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 4,653 |
| Cost of funding earning assets | 0.8972% | 4,692 |
| Net interest margin | 3.7737% | 3,918 |
| Noninterest income to average assets | 0.4098% | 4,598 |
| Noninterest expense to average assets | 3.2123% | 2,856 |
| Loan and lease loss provision to assets | 0.1790% | 4,128 |
| Net operating income to assets | 0.2631% | 5,504 |
| Return on assets (ROA) | 0.2631% | 5,630 |
| Pretax return on assets | 0.2702% | 5,747 |
| Return on Equity (ROE) | 2.7674% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.7674% | 4,521 |
| Net charge-offs to loans | 1.7765% | 798 |
| Credit loss provision to net charge-offs | 17.5747% | 5,168 |
| Earnings coverage of net charge-offs (x) | 0.4411% | 4,971 |
| Efficiency ratio | 87.7322% | 1,442 |
| Assets per employee ($millions) | 3.2897% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 3,403 |
| Loan loss allowance to noncurrent loans | 46.0965% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 4.5015% | 1,394 |
| Noncurrent loans to loans | 3.6340% | 1,936 |
| Net loans and leases to total assets | 55.1537% | 5,127 |
| Net loans and leases to deposits | 61.7363% | 5,532 |
| Net loans and leases to core deposits | 62.6574% | 5,841 |
| Total domestic deposits to total assets | 89.3376% | 1,340 |
| Equity capital to assets | 9.7013% | 4,534 |
| Core capital (leverage) ratio | 9.6457% | 3,740 |
| Tier 1 risk-based capital ratio | 13.6855% | 4,393 |
| Total risk-based capital ratio | 14.9370% | 4,364 |
| Memoranda: | ||
| Average total assets | $111,756,330 | 4,666 |
| Average earning assets | $96,298,670 | 4,803 |
| Average equity | $10,623,670 | 4,890 |
| Average total loans | $64,060,000 | 4,791 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 4,672 |
| Cost of funding earning assets | 0.9272% | 4,733 |
| Net interest margin | 3.7377% | 3,901 |
| Noninterest income to average assets | 0.4082% | 4,645 |
| Noninterest expense to average assets | 3.2155% | 2,843 |
| Loan and lease loss provision to assets | 0.3581% | 2,410 |
| Net operating income to assets | 0.1468% | 5,954 |
| Return on assets (ROA) | 0.1468% | 6,012 |
| Pretax return on assets | 0.0537% | 6,260 |
| Return on Equity (ROE) | 1.5604% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.5604% | 5,176 |
| Net charge-offs to loans | 3.6218% | 274 |
| Credit loss provision to net charge-offs | 17.0648% | 4,295 |
| Earnings coverage of net charge-offs (x) | 0.1962% | 4,465 |
| Efficiency ratio | 88.6476% | 1,452 |
| Assets per employee ($millions) | 3.2727% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 3,525 |
| Loan loss allowance to noncurrent loans | 39.3905% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 4.8530% | 1,310 |
| Noncurrent loans to loans | 4.1901% | 1,710 |
| Net loans and leases to total assets | 55.3724% | 5,098 |
| Net loans and leases to deposits | 61.8168% | 5,522 |
| Net loans and leases to core deposits | 62.9003% | 5,838 |
| Total domestic deposits to total assets | 89.5751% | 1,443 |
| Equity capital to assets | 9.4759% | 4,471 |
| Core capital (leverage) ratio | 9.8108% | 3,376 |
| Tier 1 risk-based capital ratio | 13.8013% | 4,212 |
| Total risk-based capital ratio | 15.0516% | 4,192 |
| Memoranda: | ||
| Average total assets | $111,709,000 | 4,692 |
| Average earning assets | $96,208,500 | 4,846 |
| Average equity | $10,510,000 | 4,914 |
| Average total loans | $64,719,500 | 4,814 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 3,354 |
| Cost of funding earning assets | 1.4139% | 3,175 |
| Net interest margin | 3.8376% | 3,787 |
| Noninterest income to average assets | 0.3913% | 4,965 |
| Noninterest expense to average assets | 2.9049% | 4,207 |
| Loan and lease loss provision to assets | 0.0419% | 6,749 |
| Net operating income to assets | 0.5351% | 3,948 |
| Return on assets (ROA) | 0.5530% | 4,031 |
| Pretax return on assets | 0.8044% | 3,616 |
| Return on Equity (ROE) | 6.4558% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.4558% | 1,580 |
| Net charge-offs to loans | 1.4740% | 1,497 |
| Credit loss provision to net charge-offs | 4.5331% | 6,622 |
| Earnings coverage of net charge-offs (x) | 0.8876% | 5,232 |
| Efficiency ratio | 77.9802% | 2,714 |
| Assets per employee ($millions) | 3.2984% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2758% | 1,734 |
| Loan loss allowance to noncurrent loans | 59.5845% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 4.6243% | 1,440 |
| Noncurrent loans to loans | 3.8194% | 1,931 |
| Net loans and leases to total assets | 58.2018% | 4,994 |
| Net loans and leases to deposits | 64.9172% | 5,525 |
| Net loans and leases to core deposits | 66.0397% | 5,871 |
| Total domestic deposits to total assets | 89.6554% | 1,292 |
| Equity capital to assets | 9.3414% | 4,635 |
| Core capital (leverage) ratio | 9.4593% | 3,753 |
| Tier 1 risk-based capital ratio | 12.8216% | 4,758 |
| Total risk-based capital ratio | 14.0789% | 4,712 |
| Memoranda: | ||
| Average total assets | $119,349,600 | 4,497 |
| Average earning assets | $103,684,600 | 4,614 |
| Average equity | $10,223,400 | 5,069 |
| Average total loans | $74,830,600 | 4,491 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 3,054 |
| Cost of funding earning assets | 1.5317% | 2,762 |
| Net interest margin | 3.8323% | 3,828 |
| Noninterest income to average assets | 0.3929% | 5,015 |
| Noninterest expense to average assets | 2.9912% | 3,779 |
| Loan and lease loss provision to assets | 0.0550% | 6,521 |
| Net operating income to assets | 0.4717% | 4,438 |
| Return on assets (ROA) | 0.4952% | 4,533 |
| Pretax return on assets | 0.7153% | 4,183 |
| Return on Equity (ROE) | 5.9053% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.9053% | 2,415 |
| Net charge-offs to loans | -0.3106% | 7,647 |
| Credit loss provision to net charge-offs | -27.9330% | 6,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2480% | 2,302 |
| Assets per employee ($millions) | 3.4080% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8753% | 407 |
| Loan loss allowance to noncurrent loans | 94.3434% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 5.0024% | 1,288 |
| Noncurrent loans to loans | 4.1076% | 1,798 |
| Net loans and leases to total assets | 61.7997% | 4,574 |
| Net loans and leases to deposits | 68.9199% | 5,292 |
| Net loans and leases to core deposits | 69.4842% | 5,803 |
| Total domestic deposits to total assets | 89.6688% | 1,037 |
| Equity capital to assets | 9.2980% | 5,145 |
| Core capital (leverage) ratio | 9.0580% | 4,592 |
| Tier 1 risk-based capital ratio | 12.0037% | 5,462 |
| Total risk-based capital ratio | 13.2783% | 5,403 |
| Memoranda: | ||
| Average total assets | $121,150,500 | 4,522 |
| Average earning assets | $105,416,500 | 4,627 |
| Average equity | $10,160,250 | 5,144 |
| Average total loans | $76,840,500 | 4,502 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 4,951 |
| Cost of funding earning assets | 1.6695% | 2,291 |
| Net interest margin | 3.3280% | 5,913 |
| Noninterest income to average assets | 0.3757% | 5,120 |
| Noninterest expense to average assets | 2.9650% | 3,836 |
| Loan and lease loss provision to assets | 0.0806% | 6,129 |
| Net operating income to assets | 0.2031% | 5,549 |
| Return on assets (ROA) | 0.2451% | 5,535 |
| Pretax return on assets | 0.2918% | 5,520 |
| Return on Equity (ROE) | 3.0215% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.0215% | 4,192 |
| Net charge-offs to loans | -0.3752% | 7,707 |
| Credit loss provision to net charge-offs | -34.0136% | 6,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1913% | 1,320 |
| Assets per employee ($millions) | 3.3859% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5777% | 517 |
| Loan loss allowance to noncurrent loans | 63.2854% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 4.2588% | 1,572 |
| Noncurrent loans to loans | 5.6533% | 1,157 |
| Net loans and leases to total assets | 62.9954% | 4,467 |
| Net loans and leases to deposits | 69.7238% | 5,321 |
| Net loans and leases to core deposits | 70.7956% | 5,799 |
| Total domestic deposits to total assets | 90.3499% | 745 |
| Equity capital to assets | 8.6459% | 5,949 |
| Core capital (leverage) ratio | 8.1934% | 5,951 |
| Tier 1 risk-based capital ratio | 11.0318% | 6,208 |
| Total risk-based capital ratio | 12.3032% | 6,174 |
| Memoranda: | ||
| Average total assets | $124,045,670 | 4,488 |
| Average earning assets | $108,534,670 | 4,595 |
| Average equity | $10,061,330 | 5,178 |
| Average total loans | $78,352,330 | 4,495 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 5,441 |
| Cost of funding earning assets | 1.7690% | 2,015 |
| Net interest margin | 3.1374% | 6,497 |
| Noninterest income to average assets | 0.3722% | 5,165 |
| Noninterest expense to average assets | 2.8609% | 4,223 |
| Loan and lease loss provision to assets | 0.1577% | 4,955 |
| Net operating income to assets | 0.0932% | 6,043 |
| Return on assets (ROA) | 0.1798% | 5,885 |
| Pretax return on assets | 0.1829% | 5,932 |
| Return on Equity (ROE) | 2.2871% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.2871% | 4,763 |
| Net charge-offs to loans | -0.9490% | 7,848 |
| Credit loss provision to net charge-offs | -26.7380% | 5,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8946% | 1,281 |
| Assets per employee ($millions) | 3.5072% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5957% | 506 |
| Loan loss allowance to noncurrent loans | 65.6695% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 4.1336% | 1,654 |
| Noncurrent loans to loans | 5.4755% | 1,283 |
| Net loans and leases to total assets | 59.6694% | 5,178 |
| Net loans and leases to deposits | 65.4982% | 5,878 |
| Net loans and leases to core deposits | 66.9540% | 6,210 |
| Total domestic deposits to total assets | 91.1008% | 502 |
| Equity capital to assets | 7.9567% | 6,705 |
| Core capital (leverage) ratio | 7.9338% | 6,336 |
| Tier 1 risk-based capital ratio | 10.4851% | 6,644 |
| Total risk-based capital ratio | 11.7564% | 6,617 |
| Memoranda: | ||
| Average total assets | $126,815,000 | 4,485 |
| Average earning assets | $110,794,000 | 4,588 |
| Average equity | $9,969,000 | 5,243 |
| Average total loans | $78,816,500 | 4,546 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 3,874 |
| Cost of funding earning assets | 2.1785% | 2,119 |
| Net interest margin | 3.3714% | 5,491 |
| Noninterest income to average assets | 0.5570% | 3,966 |
| Noninterest expense to average assets | 3.0624% | 3,897 |
| Loan and lease loss provision to assets | 2.7043% | 696 |
| Net operating income to assets | -1.1460% | 6,677 |
| Return on assets (ROA) | -1.2360% | 6,730 |
| Pretax return on assets | -2.3663% | 7,093 |
| Return on Equity (ROE) | -14.9905% | 6,935 |
| Retained earnings to average equity (ytd only) | -14.9905% | 6,885 |
| Net charge-offs to loans | 2.4630% | 933 |
| Credit loss provision to net charge-offs | 168.7349% | 2,542 |
| Earnings coverage of net charge-offs (x) | 0.2986% | 5,818 |
| Efficiency ratio | 86.4853% | 2,057 |
| Assets per employee ($millions) | 3.3519% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2371% | 641 |
| Loan loss allowance to noncurrent loans | 59.9767% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 4.1061% | 1,604 |
| Noncurrent loans to loans | 5.3972% | 1,210 |
| Net loans and leases to total assets | 60.3842% | 5,277 |
| Net loans and leases to deposits | 66.1654% | 6,026 |
| Net loans and leases to core deposits | 79.4931% | 6,144 |
| Total domestic deposits to total assets | 91.2625% | 449 |
| Equity capital to assets | 7.7663% | 6,801 |
| Core capital (leverage) ratio | 7.7707% | 6,486 |
| Tier 1 risk-based capital ratio | 10.2140% | 6,667 |
| Total risk-based capital ratio | 11.4811% | 6,625 |
| Memoranda: | ||
| Average total assets | $128,722,800 | 4,366 |
| Average earning assets | $113,929,600 | 4,452 |
| Average equity | $10,613,400 | 5,126 |
| Average total loans | $83,759,800 | 4,392 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5934% | 3,901 |
| Cost of funding earning assets | 2.2418% | 2,222 |
| Net interest margin | 3.3516% | 5,439 |
| Noninterest income to average assets | 0.3605% | 5,613 |
| Noninterest expense to average assets | 2.9970% | 4,051 |
| Loan and lease loss provision to assets | 2.5631% | 641 |
| Net operating income to assets | -1.1844% | 6,950 |
| Return on assets (ROA) | -1.0073% | 6,845 |
| Pretax return on assets | -1.9463% | 7,152 |
| Return on Equity (ROE) | -12.0437% | 7,026 |
| Retained earnings to average equity (ytd only) | -12.0437% | 6,950 |
| Net charge-offs to loans | 2.5227% | 727 |
| Credit loss provision to net charge-offs | 154.5794% | 3,095 |
| Earnings coverage of net charge-offs (x) | 0.2050% | 5,817 |
| Efficiency ratio | 89.8142% | 1,704 |
| Assets per employee ($millions) | 3.0800% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5293% | 1,028 |
| Loan loss allowance to noncurrent loans | 43.4346% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 4.2873% | 1,449 |
| Noncurrent loans to loans | 5.8232% | 1,036 |
| Net loans and leases to total assets | 60.5050% | 5,504 |
| Net loans and leases to deposits | 66.6701% | 6,244 |
| Net loans and leases to core deposits | 80.1171% | 6,342 |
| Total domestic deposits to total assets | 90.7528% | 495 |
| Equity capital to assets | 8.1286% | 6,714 |
| Core capital (leverage) ratio | 8.6322% | 5,252 |
| Tier 1 risk-based capital ratio | 11.3983% | 5,538 |
| Total risk-based capital ratio | 12.6586% | 5,470 |
| Memoranda: | ||
| Average total assets | $129,060,750 | 4,390 |
| Average earning assets | $114,608,750 | 4,461 |
| Average equity | $10,793,750 | 5,115 |
| Average total loans | $84,828,500 | 4,400 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6938% | 3,577 |
| Cost of funding earning assets | 2.3078% | 2,330 |
| Net interest margin | 3.3860% | 5,229 |
| Noninterest income to average assets | 0.3396% | 5,799 |
| Noninterest expense to average assets | 2.9497% | 4,292 |
| Loan and lease loss provision to assets | 2.6070% | 591 |
| Net operating income to assets | -1.4835% | 7,236 |
| Return on assets (ROA) | -1.3120% | 7,175 |
| Pretax return on assets | -1.9463% | 7,272 |
| Return on Equity (ROE) | -15.5419% | 7,359 |
| Retained earnings to average equity (ytd only) | -15.5419% | 7,272 |
| Net charge-offs to loans | 3.5257% | 442 |
| Credit loss provision to net charge-offs | 110.4468% | 4,192 |
| Earnings coverage of net charge-offs (x) | 0.1715% | 5,501 |
| Efficiency ratio | 87.9334% | 2,025 |
| Assets per employee ($millions) | 3.1412% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 2,908 |
| Loan loss allowance to noncurrent loans | 23.9083% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 4.6432% | 1,193 |
| Noncurrent loans to loans | 6.5277% | 804 |
| Net loans and leases to total assets | 64.3536% | 4,908 |
| Net loans and leases to deposits | 71.2887% | 5,836 |
| Net loans and leases to core deposits | 85.5802% | 5,953 |
| Total domestic deposits to total assets | 90.2718% | 721 |
| Equity capital to assets | 7.9175% | 6,849 |
| Core capital (leverage) ratio | 8.7391% | 5,023 |
| Tier 1 risk-based capital ratio | 11.3057% | 5,589 |
| Total risk-based capital ratio | 12.5564% | 5,488 |
| Memoranda: | ||
| Average total assets | $128,961,670 | 4,417 |
| Average earning assets | $114,827,000 | 4,493 |
| Average equity | $10,886,670 | 5,118 |
| Average total loans | $86,338,330 | 4,390 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 4,238 |
| Cost of funding earning assets | 2.4345% | 2,160 |
| Net interest margin | 3.1857% | 5,900 |
| Noninterest income to average assets | 0.3100% | 5,964 |
| Noninterest expense to average assets | 2.9787% | 3,856 |
| Loan and lease loss provision to assets | 0.2790% | 3,724 |
| Net operating income to assets | 0.0186% | 6,208 |
| Return on assets (ROA) | 0.3317% | 5,344 |
| Pretax return on assets | 0.2046% | 5,928 |
| Return on Equity (ROE) | 3.8107% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.8107% | 3,769 |
| Net charge-offs to loans | -0.0046% | 7,171 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5866% | 1,398 |
| Assets per employee ($millions) | 3.0566% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 3,341 |
| Loan loss allowance to noncurrent loans | 23.6747% | 6,978 |
| Noncurrent assets plus other real estate owned to assets | 4.3100% | 1,144 |
| Noncurrent loans to loans | 6.0432% | 789 |
| Net loans and leases to total assets | 66.8687% | 4,372 |
| Net loans and leases to deposits | 76.5050% | 5,152 |
| Net loans and leases to core deposits | 91.5621% | 5,391 |
| Total domestic deposits to total assets | 87.4043% | 2,011 |
| Equity capital to assets | 8.8552% | 5,547 |
| Core capital (leverage) ratio | 9.5894% | 3,878 |
| Tier 1 risk-based capital ratio | 11.9781% | 4,981 |
| Total risk-based capital ratio | 13.2016% | 4,909 |
| Memoranda: | ||
| Average total assets | $129,047,500 | 4,428 |
| Average earning assets | $115,012,500 | 4,501 |
| Average equity | $11,231,500 | 5,048 |
| Average total loans | $87,410,000 | 4,377 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7778% | 1,759 |
| Cost of funding earning assets | 3.1949% | 1,209 |
| Net interest margin | 3.5829% | 4,965 |
| Noninterest income to average assets | 0.4076% | 5,410 |
| Noninterest expense to average assets | 2.7563% | 5,022 |
| Loan and lease loss provision to assets | 0.5237% | 2,719 |
| Net operating income to assets | 0.3559% | 5,328 |
| Return on assets (ROA) | 0.4570% | 4,749 |
| Pretax return on assets | 0.4429% | 5,147 |
| Return on Equity (ROE) | 5.1445% | 4,313 |
| Retained earnings to average equity (ytd only) | 2.9737% | 3,322 |
| Net charge-offs to loans | 0.7061% | 1,748 |
| Credit loss provision to net charge-offs | 117.1930% | 4,598 |
| Earnings coverage of net charge-offs (x) | 1.9368% | 5,097 |
| Efficiency ratio | 76.1039% | 3,222 |
| Assets per employee ($millions) | 2.9481% | 6,176 |
| Cash dividends to net income (ytd only)* | 42.1955% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 3,668 |
| Loan loss allowance to noncurrent loans | 67.7419% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.5225% | 3,171 |
| Noncurrent loans to loans | 1.9435% | 2,842 |
| Net loans and leases to total assets | 66.7409% | 4,697 |
| Net loans and leases to deposits | 79.1449% | 5,176 |
| Net loans and leases to core deposits | 93.7720% | 5,465 |
| Total domestic deposits to total assets | 84.3275% | 3,164 |
| Equity capital to assets | 8.5532% | 6,009 |
| Core capital (leverage) ratio | 9.4351% | 4,109 |
| Tier 1 risk-based capital ratio | 11.6279% | 5,127 |
| Total risk-based capital ratio | 12.7386% | 5,140 |
| Memoranda: | ||
| Average total assets | $127,561,800 | 4,334 |
| Average earning assets | $114,433,200 | 4,401 |
| Average equity | $11,332,600 | 5,029 |
| Average total loans | $80,725,000 | 4,497 |