Home > Bridge Community Bank > Performance and Condition Ratios
Bridge Community Bank, Performance and Condition Ratios
| 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 | 5.0517% | 3,003 |
| Cost of funding earning assets | 1.5605% | 3,255 |
| Net interest margin | 3.4912% | 2,098 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 2.3575% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.1562% | 1,606 |
| Return on assets (ROA) | 1.1562% | 1,614 |
| Pretax return on assets | 1.5006% | 1,281 |
| Return on Equity (ROE) | 10.0400% | 2,137 |
| Retained earnings to average equity (ytd only) | 6.5445% | 1,603 |
| Net charge-offs to loans | 0.0114% | 2,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 186.5000% | 532 |
| Efficiency ratio | 61.1053% | 3,039 |
| Assets per employee ($millions) | 7.0389% | 2,140 |
| Cash dividends to net income (ytd only)* | 34.7947% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 3,836 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 74.0300% | 1,395 |
| Net loans and leases to deposits | 87.6254% | 1,435 |
| Net loans and leases to core deposits | 90.7891% | 2,059 |
| Total domestic deposits to total assets | 84.4800% | 2,664 |
| Equity capital to assets | 11.7372% | 1,279 |
| Core capital (leverage) ratio | 12.2363% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $124,282,600 | 3,586 |
| Average earning assets | $116,950,200 | 3,552 |
| Average equity | $14,317,400 | 3,384 |
| Average total loans | $87,749,600 | 3,331 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 3,089 |
| Cost of funding earning assets | 1.5308% | 3,298 |
| Net interest margin | 3.4341% | 2,169 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 2.3674% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0856% | 1,808 |
| Return on assets (ROA) | 1.0856% | 1,810 |
| Pretax return on assets | 1.4500% | 1,406 |
| Return on Equity (ROE) | 9.4700% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.4692% | 969 |
| Net charge-offs to loans | 0.0124% | 2,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 168.1250% | 582 |
| Efficiency ratio | 62.0164% | 2,925 |
| Assets per employee ($millions) | 7.2858% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 3,791 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 68.3000% | 2,049 |
| Net loans and leases to deposits | 83.7045% | 1,839 |
| Net loans and leases to core deposits | 86.4813% | 2,385 |
| Total domestic deposits to total assets | 81.6000% | 3,187 |
| Equity capital to assets | 11.4118% | 1,521 |
| Core capital (leverage) ratio | 11.8879% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $123,678,250 | 3,595 |
| Average earning assets | $116,359,750 | 3,568 |
| Average equity | $14,179,000 | 3,402 |
| Average total loans | $86,045,500 | 3,365 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 3,235 |
| Cost of funding earning assets | 1.4268% | 3,435 |
| Net interest margin | 3.3994% | 2,179 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.4029% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0694% | 1,797 |
| Return on assets (ROA) | 1.0694% | 1,803 |
| Pretax return on assets | 1.4407% | 1,397 |
| Return on Equity (ROE) | 9.3100% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.3126% | 1,022 |
| Net charge-offs to loans | 0.0213% | 1,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 784 |
| Efficiency ratio | 62.5161% | 2,938 |
| Assets per employee ($millions) | 6.5053% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 3,736 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.9400% | 1,908 |
| Net loans and leases to deposits | 86.2443% | 1,632 |
| Net loans and leases to core deposits | 88.8157% | 2,220 |
| Total domestic deposits to total assets | 81.1000% | 3,258 |
| Equity capital to assets | 11.6052% | 1,305 |
| Core capital (leverage) ratio | 12.3436% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $121,189,333 | 3,630 |
| Average earning assets | $113,962,000 | 3,603 |
| Average equity | $13,916,667 | 3,407 |
| Average total loans | $84,612,333 | 3,380 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 3,394 |
| Cost of funding earning assets | 1.3378% | 3,497 |
| Net interest margin | 3.3304% | 2,277 |
| Noninterest income to average assets | 0.5400% | 1,602 |
| Noninterest expense to average assets | 2.3870% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9135% | 2,198 |
| Return on assets (ROA) | 0.9135% | 2,210 |
| Pretax return on assets | 1.2902% | 1,664 |
| Return on Equity (ROE) | 8.0000% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.9982% | 1,552 |
| Net charge-offs to loans | 0.0240% | 1,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 77.4000% | 784 |
| Efficiency ratio | 64.9139% | 2,697 |
| Assets per employee ($millions) | 6.8118% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 3,649 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 68.4900% | 1,963 |
| Net loans and leases to deposits | 84.2017% | 1,701 |
| Net loans and leases to core deposits | 86.4548% | 2,286 |
| Total domestic deposits to total assets | 81.3300% | 3,312 |
| Equity capital to assets | 11.3154% | 1,377 |
| Core capital (leverage) ratio | 12.4545% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $119,984,000 | 3,657 |
| Average earning assets | $113,018,500 | 3,628 |
| Average equity | $13,703,000 | 3,436 |
| Average total loans | $83,309,500 | 3,399 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 3,312 |
| Cost of funding earning assets | 0.9404% | 3,440 |
| Net interest margin | 3.4412% | 2,318 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.4096% | 2,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3295% | 1,369 |
| Return on assets (ROA) | 1.3295% | 1,336 |
| Pretax return on assets | 1.6286% | 1,183 |
| Return on Equity (ROE) | 12.1900% | 1,912 |
| Retained earnings to average equity (ytd only) | 8.7026% | 1,333 |
| Net charge-offs to loans | -0.0222% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.6693% | 3,121 |
| Assets per employee ($millions) | 6.1766% | 2,672 |
| Cash dividends to net income (ytd only)* | 28.6078% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,527 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.1000% | 1,913 |
| Net loans and leases to deposits | 81.5579% | 1,986 |
| Net loans and leases to core deposits | 83.7400% | 2,474 |
| Total domestic deposits to total assets | 84.7300% | 2,401 |
| Equity capital to assets | 11.5307% | 1,276 |
| Core capital (leverage) ratio | 12.5325% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $118,319,000 | 3,668 |
| Average earning assets | $111,444,000 | 3,632 |
| Average equity | $12,904,200 | 3,434 |
| Average total loans | $76,574,800 | 3,462 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 3,250 |
| Cost of funding earning assets | 0.8383% | 3,432 |
| Net interest margin | 3.4857% | 2,245 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.3031% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3236% | 1,487 |
| Return on assets (ROA) | 1.3236% | 1,470 |
| Pretax return on assets | 1.6374% | 1,288 |
| Return on Equity (ROE) | 12.3100% | 2,048 |
| Retained earnings to average equity (ytd only) | 12.3108% | 922 |
| Net charge-offs to loans | 0.0035% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 728.0000% | 217 |
| Efficiency ratio | 58.4475% | 3,149 |
| Assets per employee ($millions) | 5.9201% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,445 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.0800% | 2,035 |
| Net loans and leases to deposits | 79.4992% | 2,097 |
| Net loans and leases to core deposits | 81.6932% | 2,490 |
| Total domestic deposits to total assets | 85.6400% | 2,300 |
| Equity capital to assets | 11.7406% | 1,113 |
| Core capital (leverage) ratio | 12.9534% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $118,559,750 | 3,672 |
| Average earning assets | $111,652,500 | 3,641 |
| Average equity | $12,747,250 | 3,447 |
| Average total loans | $75,250,250 | 3,481 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 3,053 |
| Cost of funding earning assets | 0.7641% | 3,318 |
| Net interest margin | 3.5590% | 2,132 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.1512% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5259% | 1,054 |
| Return on assets (ROA) | 1.5259% | 1,052 |
| Pretax return on assets | 1.8012% | 1,005 |
| Return on Equity (ROE) | 14.6100% | 1,552 |
| Retained earnings to average equity (ytd only) | 14.6097% | 609 |
| Net charge-offs to loans | -0.0027% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.4272% | 3,575 |
| Assets per employee ($millions) | 6.3365% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,349 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.0800% | 2,270 |
| Net loans and leases to deposits | 74.0141% | 2,487 |
| Net loans and leases to core deposits | 75.5740% | 2,785 |
| Total domestic deposits to total assets | 87.9300% | 1,631 |
| Equity capital to assets | 11.4022% | 1,231 |
| Core capital (leverage) ratio | 11.6844% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $120,586,000 | 3,671 |
| Average earning assets | $113,853,667 | 3,640 |
| Average equity | $12,594,333 | 3,479 |
| Average total loans | $74,553,333 | 3,497 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 3,206 |
| Cost of funding earning assets | 0.6867% | 3,093 |
| Net interest margin | 3.4370% | 2,541 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.1671% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3532% | 1,536 |
| Return on assets (ROA) | 1.3532% | 1,507 |
| Pretax return on assets | 1.6019% | 1,456 |
| Return on Equity (ROE) | 13.5300% | 1,873 |
| Retained earnings to average equity (ytd only) | 13.5281% | 1,003 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.4979% | 3,243 |
| Assets per employee ($millions) | 6.9476% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 3,312 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.7100% | 2,891 |
| Net loans and leases to deposits | 64.7342% | 3,031 |
| Net loans and leases to core deposits | 66.6220% | 3,177 |
| Total domestic deposits to total assets | 89.1400% | 1,495 |
| Equity capital to assets | 10.1834% | 1,729 |
| Core capital (leverage) ratio | 10.7970% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $123,850,500 | 3,683 |
| Average earning assets | $117,080,500 | 3,645 |
| Average equity | $12,389,000 | 3,538 |
| Average total loans | $74,335,500 | 3,537 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0965% | 3,994 |
| Cost of funding earning assets | 0.3391% | 2,562 |
| Net interest margin | 2.7574% | 3,963 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.0724% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8450% | 3,175 |
| Return on assets (ROA) | 0.8450% | 3,103 |
| Pretax return on assets | 1.0874% | 2,810 |
| Return on Equity (ROE) | 9.1800% | 3,072 |
| Retained earnings to average equity (ytd only) | 5.2490% | 2,950 |
| Net charge-offs to loans | 0.0083% | 2,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 235.5000% | 569 |
| Efficiency ratio | 65.5869% | 2,282 |
| Assets per employee ($millions) | 6.4549% | 2,375 |
| Cash dividends to net income (ytd only)* | 42.8051% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,323 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 61.1400% | 2,536 |
| Net loans and leases to deposits | 68.2375% | 2,712 |
| Net loans and leases to core deposits | 69.5541% | 2,908 |
| Total domestic deposits to total assets | 89.5900% | 1,519 |
| Equity capital to assets | 9.8195% | 1,811 |
| Core capital (leverage) ratio | 10.6949% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $129,947,800 | 3,632 |
| Average earning assets | $122,687,000 | 3,588 |
| Average equity | $11,964,200 | 3,673 |
| Average total loans | $71,972,200 | 3,543 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8655% | 4,103 |
| Cost of funding earning assets | 0.3021% | 2,141 |
| Net interest margin | 2.5634% | 4,147 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.0874% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6223% | 3,778 |
| Return on assets (ROA) | 0.6223% | 3,734 |
| Pretax return on assets | 0.8540% | 3,460 |
| Return on Equity (ROE) | 6.8600% | 3,619 |
| Retained earnings to average equity (ytd only) | 1.6186% | 4,113 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.9666% | 1,645 |
| Assets per employee ($millions) | 6.5171% | 2,304 |
| Cash dividends to net income (ytd only)* | 76.4228% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,024 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.9700% | 2,903 |
| Net loans and leases to deposits | 62.0772% | 3,018 |
| Net loans and leases to core deposits | 63.4080% | 3,163 |
| Total domestic deposits to total assets | 90.1600% | 1,589 |
| Equity capital to assets | 9.1444% | 2,121 |
| Core capital (leverage) ratio | 9.9388% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $131,773,750 | 3,642 |
| Average earning assets | $124,465,000 | 3,605 |
| Average equity | $11,944,500 | 3,718 |
| Average total loans | $71,029,500 | 3,574 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6035% | 4,271 |
| Cost of funding earning assets | 0.2630% | 2,112 |
| Net interest margin | 2.3405% | 4,288 |
| Noninterest income to average assets | 0.5520% | 1,939 |
| Noninterest expense to average assets | 2.0636% | 3,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4716% | 3,965 |
| Return on assets (ROA) | 0.4716% | 3,916 |
| Pretax return on assets | 0.6993% | 3,579 |
| Return on Equity (ROE) | 5.2174% | 3,773 |
| Retained earnings to average equity (ytd only) | 5.2174% | 2,628 |
| Net charge-offs to loans | -0.0028% | 3,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6904% | 1,427 |
| Assets per employee ($millions) | 7.3628% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.2230% | 3,040 |
| Net loans and leases to deposits | 58.8593% | 3,142 |
| Net loans and leases to core deposits | 60.5634% | 3,231 |
| Total domestic deposits to total assets | 90.4241% | 1,506 |
| Equity capital to assets | 8.9458% | 2,416 |
| Core capital (leverage) ratio | 10.0889% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,423,333 | 3,656 |
| Average earning assets | $126,983,333 | 3,632 |
| Average equity | $12,151,667 | 3,770 |
| Average total loans | $71,348,667 | 3,599 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5232% | 4,237 |
| Cost of funding earning assets | 0.2407% | 2,261 |
| Net interest margin | 2.2824% | 4,263 |
| Noninterest income to average assets | 0.5644% | 1,850 |
| Noninterest expense to average assets | 1.9768% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5201% | 3,652 |
| Return on assets (ROA) | 0.5201% | 3,619 |
| Pretax return on assets | 0.7446% | 3,265 |
| Return on Equity (ROE) | 5.7238% | 3,424 |
| Retained earnings to average equity (ytd only) | 5.7238% | 2,344 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6384% | 1,894 |
| Assets per employee ($millions) | 6.3629% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.6725% | 2,803 |
| Net loans and leases to deposits | 59.6009% | 2,940 |
| Net loans and leases to core deposits | 61.4050% | 3,031 |
| Total domestic deposits to total assets | 90.0532% | 1,536 |
| Equity capital to assets | 9.4525% | 2,323 |
| Core capital (leverage) ratio | 9.2908% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,369,500 | 3,660 |
| Average earning assets | $127,935,000 | 3,638 |
| Average equity | $12,299,500 | 3,832 |
| Average total loans | $71,369,500 | 3,595 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9980% | 3,875 |
| Cost of funding earning assets | 0.2451% | 2,992 |
| Net interest margin | 2.7530% | 3,771 |
| Noninterest income to average assets | 0.6118% | 2,105 |
| Noninterest expense to average assets | 1.9735% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9485% | 2,874 |
| Return on assets (ROA) | 0.9485% | 2,947 |
| Pretax return on assets | 1.2207% | 2,597 |
| Return on Equity (ROE) | 10.2663% | 2,426 |
| Retained earnings to average equity (ytd only) | 6.3813% | 2,184 |
| Net charge-offs to loans | -0.0265% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7831% | 2,901 |
| Assets per employee ($millions) | 7.1741% | 1,809 |
| Cash dividends to net income (ytd only)* | 37.8421% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 50.8071% | 3,191 |
| Net loans and leases to deposits | 55.9694% | 3,417 |
| Net loans and leases to core deposits | 57.8261% | 3,488 |
| Total domestic deposits to total assets | 90.7765% | 590 |
| Equity capital to assets | 8.7607% | 3,837 |
| Core capital (leverage) ratio | 8.9224% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,839,600 | 3,634 |
| Average earning assets | $126,482,400 | 3,612 |
| Average equity | $12,458,200 | 3,887 |
| Average total loans | $75,465,200 | 3,547 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1532% | 3,695 |
| Cost of funding earning assets | 0.2690% | 2,911 |
| Net interest margin | 2.8842% | 3,590 |
| Noninterest income to average assets | 0.5437% | 2,441 |
| Noninterest expense to average assets | 1.9666% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9557% | 3,062 |
| Return on assets (ROA) | 0.9557% | 3,142 |
| Pretax return on assets | 1.2702% | 2,702 |
| Return on Equity (ROE) | 10.2007% | 2,663 |
| Retained earnings to average equity (ytd only) | 10.2007% | 1,264 |
| Net charge-offs to loans | -0.0018% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7575% | 2,870 |
| Assets per employee ($millions) | 6.8730% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,596 |
| Loan loss allowance to noncurrent loans | 833.3333% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,670 |
| Noncurrent loans to loans | 0.1280% | 3,463 |
| Net loans and leases to total assets | 50.5973% | 3,332 |
| Net loans and leases to deposits | 56.1448% | 3,567 |
| Net loans and leases to core deposits | 57.9780% | 3,631 |
| Total domestic deposits to total assets | 90.1193% | 721 |
| Equity capital to assets | 9.3635% | 3,499 |
| Core capital (leverage) ratio | 9.4180% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,679,000 | 3,686 |
| Average earning assets | $123,892,250 | 3,677 |
| Average equity | $12,430,250 | 3,941 |
| Average total loans | $75,914,500 | 3,598 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3967% | 3,191 |
| Cost of funding earning assets | 0.2947% | 2,823 |
| Net interest margin | 3.1020% | 3,029 |
| Noninterest income to average assets | 0.5447% | 2,428 |
| Noninterest expense to average assets | 1.9834% | 3,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1229% | 2,458 |
| Return on assets (ROA) | 1.1229% | 2,527 |
| Pretax return on assets | 1.4845% | 2,067 |
| Return on Equity (ROE) | 11.9837% | 2,074 |
| Retained earnings to average equity (ytd only) | 11.9837% | 923 |
| Net charge-offs to loans | -0.0026% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1931% | 3,376 |
| Assets per employee ($millions) | 7.1107% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,606 |
| Loan loss allowance to noncurrent loans | 24,966.6667% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,318 |
| Noncurrent loans to loans | 0.0042% | 4,239 |
| Net loans and leases to total assets | 52.0695% | 3,333 |
| Net loans and leases to deposits | 57.8463% | 3,559 |
| Net loans and leases to core deposits | 60.1085% | 3,610 |
| Total domestic deposits to total assets | 90.0136% | 770 |
| Equity capital to assets | 9.3728% | 3,446 |
| Core capital (leverage) ratio | 9.3231% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,085,333 | 3,715 |
| Average earning assets | $123,533,000 | 3,695 |
| Average equity | $12,283,333 | 3,959 |
| Average total loans | $77,785,667 | 3,588 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9254% | 4,221 |
| Cost of funding earning assets | 0.3095% | 2,895 |
| Net interest margin | 2.6159% | 4,117 |
| Noninterest income to average assets | 0.5020% | 2,605 |
| Noninterest expense to average assets | 1.9833% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7716% | 3,506 |
| Return on assets (ROA) | 0.7716% | 3,575 |
| Pretax return on assets | 1.0072% | 3,349 |
| Return on Equity (ROE) | 8.2358% | 3,259 |
| Retained earnings to average equity (ytd only) | 8.2358% | 2,167 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3212% | 2,180 |
| Assets per employee ($millions) | 7.3298% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 4,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.5481% | 2,594 |
| Net loans and leases to deposits | 66.0913% | 2,910 |
| Net loans and leases to core deposits | 69.0799% | 2,960 |
| Total domestic deposits to total assets | 90.0998% | 774 |
| Equity capital to assets | 9.2537% | 3,440 |
| Core capital (leverage) ratio | 9.5443% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1749% | 900 |
| Memoranda: | ||
| Average total assets | $129,076,000 | 3,748 |
| Average earning assets | $122,786,000 | 3,710 |
| Average equity | $12,093,500 | 3,988 |
| Average total loans | $81,130,000 | 3,537 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 3,733 |
| Cost of funding earning assets | 0.4610% | 3,213 |
| Net interest margin | 3.1726% | 3,432 |
| Noninterest income to average assets | 0.9561% | 1,128 |
| Noninterest expense to average assets | 2.4282% | 3,059 |
| Loan and lease loss provision to assets | 0.0907% | 3,228 |
| Net operating income to assets | 1.1166% | 1,855 |
| Return on assets (ROA) | 1.1166% | 1,974 |
| Pretax return on assets | 1.4395% | 1,542 |
| Return on Equity (ROE) | 10.5878% | 1,778 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,077 |
| Net charge-offs to loans | -0.0147% | 4,347 |
| Credit loss provision to net charge-offs | -833.3333% | 4,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3428% | 3,255 |
| Assets per employee ($millions) | 6.6429% | 1,823 |
| Cash dividends to net income (ytd only)* | 48.7409% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 4,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.1238% | 2,211 |
| Net loans and leases to deposits | 72.4577% | 2,640 |
| Net loans and leases to core deposits | 76.2875% | 2,709 |
| Total domestic deposits to total assets | 89.8784% | 612 |
| Equity capital to assets | 9.4902% | 3,618 |
| Core capital (leverage) ratio | 9.8864% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0562% | 1,047 |
| Memoranda: | ||
| Average total assets | $110,244,200 | 3,880 |
| Average earning assets | $104,331,400 | 3,846 |
| Average equity | $11,626,600 | 4,012 |
| Average total loans | $81,762,400 | 3,524 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 3,436 |
| Cost of funding earning assets | 0.5024% | 3,205 |
| Net interest margin | 3.3387% | 3,077 |
| Noninterest income to average assets | 1.0817% | 888 |
| Noninterest expense to average assets | 2.4984% | 2,859 |
| Loan and lease loss provision to assets | 0.1252% | 2,771 |
| Net operating income to assets | 1.1808% | 1,704 |
| Return on assets (ROA) | 1.1808% | 1,823 |
| Pretax return on assets | 1.6100% | 1,161 |
| Return on Equity (ROE) | 10.8732% | 1,724 |
| Retained earnings to average equity (ytd only) | 3.9402% | 3,080 |
| Net charge-offs to loans | -0.0213% | 4,438 |
| Credit loss provision to net charge-offs | -769.2308% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0101% | 3,521 |
| Assets per employee ($millions) | 5.9232% | 2,334 |
| Cash dividends to net income (ytd only)* | 63.7620% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 4,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.6689% | 1,007 |
| Net loans and leases to deposits | 86.3816% | 1,651 |
| Net loans and leases to core deposits | 91.3696% | 1,850 |
| Total domestic deposits to total assets | 88.7561% | 874 |
| Equity capital to assets | 10.3927% | 2,878 |
| Core capital (leverage) ratio | 10.5611% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,251,500 | 3,914 |
| Average earning assets | $100,314,500 | 3,889 |
| Average equity | $11,538,750 | 4,030 |
| Average total loans | $81,466,750 | 3,549 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 3,286 |
| Cost of funding earning assets | 0.5535% | 3,215 |
| Net interest margin | 3.4631% | 2,909 |
| Noninterest income to average assets | 1.3614% | 557 |
| Noninterest expense to average assets | 2.5712% | 2,764 |
| Loan and lease loss provision to assets | 0.1920% | 2,110 |
| Net operating income to assets | 1.3518% | 1,218 |
| Return on assets (ROA) | 1.3518% | 1,311 |
| Pretax return on assets | 1.8664% | 718 |
| Return on Equity (ROE) | 12.2580% | 1,273 |
| Retained earnings to average equity (ytd only) | 1.8108% | 3,825 |
| Net charge-offs to loans | -0.0276% | 4,508 |
| Credit loss provision to net charge-offs | -909.0909% | 3,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5371% | 4,001 |
| Assets per employee ($millions) | 5.7992% | 2,373 |
| Cash dividends to net income (ytd only)* | 85.2273% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 4,207 |
| Loan loss allowance to noncurrent loans | 9,350.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,548 |
| Noncurrent loans to loans | 0.0090% | 4,482 |
| Net loans and leases to total assets | 79.7305% | 622 |
| Net loans and leases to deposits | 89.9956% | 1,357 |
| Net loans and leases to core deposits | 96.6192% | 1,528 |
| Total domestic deposits to total assets | 88.5937% | 910 |
| Equity capital to assets | 10.3943% | 2,843 |
| Core capital (leverage) ratio | 10.5473% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,155,000 | 3,939 |
| Average earning assets | $98,292,333 | 3,902 |
| Average equity | $11,486,333 | 4,048 |
| Average total loans | $79,611,000 | 3,581 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 2,783 |
| Cost of funding earning assets | 0.6845% | 2,999 |
| Net interest margin | 3.6618% | 2,463 |
| Noninterest income to average assets | 0.6328% | 1,890 |
| Noninterest expense to average assets | 2.5944% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1944% | 1,534 |
| Return on assets (ROA) | 1.1944% | 1,647 |
| Pretax return on assets | 1.4870% | 1,338 |
| Return on Equity (ROE) | 10.5016% | 1,574 |
| Retained earnings to average equity (ytd only) | 10.5016% | 642 |
| Net charge-offs to loans | -0.0479% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5659% | 3,298 |
| Assets per employee ($millions) | 5.3337% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 4,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.5751% | 1,684 |
| Net loans and leases to deposits | 83.9150% | 2,242 |
| Net loans and leases to core deposits | 88.3058% | 2,501 |
| Total domestic deposits to total assets | 87.6781% | 1,239 |
| Equity capital to assets | 11.4654% | 2,468 |
| Core capital (leverage) ratio | 11.3727% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9421% | 1,361 |
| Memoranda: | ||
| Average total assets | $101,140,000 | 3,973 |
| Average earning assets | $95,253,000 | 3,939 |
| Average equity | $11,503,000 | 4,068 |
| Average total loans | $75,117,000 | 3,660 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 2,867 |
| Cost of funding earning assets | 0.7862% | 2,745 |
| Net interest margin | 3.7378% | 2,703 |
| Noninterest income to average assets | 0.7360% | 1,680 |
| Noninterest expense to average assets | 2.6886% | 2,920 |
| Loan and lease loss provision to assets | 0.0507% | 3,011 |
| Net operating income to assets | 1.1991% | 2,061 |
| Return on assets (ROA) | 1.1991% | 2,160 |
| Pretax return on assets | 1.4958% | 1,818 |
| Return on Equity (ROE) | 10.6578% | 2,021 |
| Retained earnings to average equity (ytd only) | 8.8203% | 758 |
| Net charge-offs to loans | 0.0318% | 2,756 |
| Credit loss provision to net charge-offs | 213.0435% | 1,239 |
| Earnings coverage of net charge-offs (x) | 65.0435% | 932 |
| Efficiency ratio | 63.4855% | 3,148 |
| Assets per employee ($millions) | 5.6078% | 1,969 |
| Cash dividends to net income (ytd only)* | 17.2414% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,156 |
| Loan loss allowance to noncurrent loans | 1,873.5294% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,475 |
| Noncurrent loans to loans | 0.0453% | 4,377 |
| Net loans and leases to total assets | 73.6972% | 1,802 |
| Net loans and leases to deposits | 83.8745% | 2,350 |
| Net loans and leases to core deposits | 89.1325% | 2,503 |
| Total domestic deposits to total assets | 87.8661% | 1,189 |
| Equity capital to assets | 11.2810% | 2,732 |
| Core capital (leverage) ratio | 11.2376% | 2,300 |
| Tier 1 risk-based capital ratio | 15.3698% | 2,629 |
| Total risk-based capital ratio | 16.2329% | 2,722 |
| Memoranda: | ||
| Average total assets | $96,740,200 | 4,053 |
| Average earning assets | $90,562,000 | 4,040 |
| Average equity | $10,884,000 | 4,140 |
| Average total loans | $72,425,600 | 3,727 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 2,915 |
| Cost of funding earning assets | 0.7976% | 2,733 |
| Net interest margin | 3.7463% | 2,766 |
| Noninterest income to average assets | 0.6800% | 1,866 |
| Noninterest expense to average assets | 2.7407% | 2,747 |
| Loan and lease loss provision to assets | 0.0683% | 2,513 |
| Net operating income to assets | 1.0882% | 2,620 |
| Return on assets (ROA) | 1.0882% | 2,710 |
| Pretax return on assets | 1.3724% | 2,414 |
| Return on Equity (ROE) | 9.6792% | 2,583 |
| Retained earnings to average equity (ytd only) | 9.6792% | 836 |
| Net charge-offs to loans | 0.0390% | 2,306 |
| Credit loss provision to net charge-offs | 233.3333% | 1,154 |
| Earnings coverage of net charge-offs (x) | 49.2368% | 1,211 |
| Efficiency ratio | 65.5448% | 2,789 |
| Assets per employee ($millions) | 5.2058% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 4,166 |
| Loan loss allowance to noncurrent loans | 1,521.4286% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 4,180 |
| Noncurrent loans to loans | 0.0571% | 4,380 |
| Net loans and leases to total assets | 73.7127% | 1,869 |
| Net loans and leases to deposits | 84.0364% | 2,448 |
| Net loans and leases to core deposits | 95.5908% | 2,037 |
| Total domestic deposits to total assets | 87.7152% | 1,159 |
| Equity capital to assets | 11.3142% | 2,827 |
| Core capital (leverage) ratio | 11.7251% | 2,062 |
| Tier 1 risk-based capital ratio | 15.2666% | 2,731 |
| Total risk-based capital ratio | 16.1403% | 2,832 |
| Memoranda: | ||
| Average total assets | $95,690,250 | 4,111 |
| Average earning assets | $89,437,750 | 4,099 |
| Average equity | $10,758,250 | 4,191 |
| Average total loans | $71,775,250 | 3,788 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 2,803 |
| Cost of funding earning assets | 0.8238% | 2,532 |
| Net interest margin | 3.7366% | 2,806 |
| Noninterest income to average assets | 0.6341% | 2,006 |
| Noninterest expense to average assets | 2.7775% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0801% | 2,601 |
| Return on assets (ROA) | 1.0801% | 2,672 |
| Pretax return on assets | 1.3465% | 2,393 |
| Return on Equity (ROE) | 9.6288% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.6288% | 869 |
| Net charge-offs to loans | 0.0140% | 2,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 127.4000% | 573 |
| Efficiency ratio | 67.3501% | 2,633 |
| Assets per employee ($millions) | 4.8235% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 4,345 |
| Loan loss allowance to noncurrent loans | 631.2500% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 3,703 |
| Noncurrent loans to loans | 0.1308% | 4,095 |
| Net loans and leases to total assets | 75.4481% | 1,636 |
| Net loans and leases to deposits | 85.9295% | 2,262 |
| Net loans and leases to core deposits | 95.0059% | 2,154 |
| Total domestic deposits to total assets | 87.8023% | 1,194 |
| Equity capital to assets | 11.3104% | 2,775 |
| Core capital (leverage) ratio | 11.3622% | 2,284 |
| Tier 1 risk-based capital ratio | 14.9733% | 2,858 |
| Total risk-based capital ratio | 15.8061% | 2,962 |
| Memoranda: | ||
| Average total assets | $94,616,670 | 4,148 |
| Average earning assets | $88,370,000 | 4,140 |
| Average equity | $10,614,000 | 4,223 |
| Average total loans | $71,184,000 | 3,814 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5023% | 2,856 |
| Cost of funding earning assets | 0.8004% | 2,536 |
| Net interest margin | 3.7019% | 2,885 |
| Noninterest income to average assets | 0.6489% | 1,822 |
| Noninterest expense to average assets | 2.8007% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1228% | 2,381 |
| Return on assets (ROA) | 1.1228% | 2,427 |
| Pretax return on assets | 1.3235% | 2,366 |
| Return on Equity (ROE) | 10.0521% | 2,349 |
| Retained earnings to average equity (ytd only) | 10.0521% | 1,025 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9089% | 2,655 |
| Assets per employee ($millions) | 4.7353% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 4,277 |
| Loan loss allowance to noncurrent loans | 437.1429% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 3,759 |
| Noncurrent loans to loans | 0.1987% | 3,883 |
| Net loans and leases to total assets | 73.7546% | 1,853 |
| Net loans and leases to deposits | 83.9806% | 2,386 |
| Net loans and leases to core deposits | 92.7155% | 2,238 |
| Total domestic deposits to total assets | 87.8234% | 1,435 |
| Equity capital to assets | 11.2263% | 2,626 |
| Core capital (leverage) ratio | 11.4915% | 2,142 |
| Tier 1 risk-based capital ratio | 15.1310% | 2,827 |
| Total risk-based capital ratio | 16.0007% | 2,921 |
| Memoranda: | ||
| Average total assets | $93,690,500 | 4,207 |
| Average earning assets | $87,954,500 | 4,181 |
| Average equity | $10,465,500 | 4,264 |
| Average total loans | $70,081,000 | 3,861 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 3,221 |
| Cost of funding earning assets | 0.5678% | 2,938 |
| Net interest margin | 3.6992% | 3,035 |
| Noninterest income to average assets | 0.7713% | 1,564 |
| Noninterest expense to average assets | 2.8376% | 2,556 |
| Loan and lease loss provision to assets | 0.1085% | 2,029 |
| Net operating income to assets | 0.9893% | 3,057 |
| Return on assets (ROA) | 0.9893% | 3,059 |
| Pretax return on assets | 1.2873% | 2,548 |
| Return on Equity (ROE) | 9.1207% | 2,935 |
| Retained earnings to average equity (ytd only) | 6.0905% | 2,149 |
| Net charge-offs to loans | 0.1803% | 1,062 |
| Credit loss provision to net charge-offs | 83.8983% | 2,806 |
| Earnings coverage of net charge-offs (x) | 10.7966% | 2,686 |
| Efficiency ratio | 67.0290% | 2,706 |
| Assets per employee ($millions) | 4.6338% | 2,982 |
| Cash dividends to net income (ytd only)* | 33.2226% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 4,259 |
| Loan loss allowance to noncurrent loans | 737.3494% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 4,025 |
| Noncurrent loans to loans | 0.1191% | 4,193 |
| Net loans and leases to total assets | 74.5487% | 1,830 |
| Net loans and leases to deposits | 87.7107% | 2,082 |
| Net loans and leases to core deposits | 96.7267% | 1,990 |
| Total domestic deposits to total assets | 84.9938% | 2,651 |
| Equity capital to assets | 11.1130% | 2,584 |
| Core capital (leverage) ratio | 11.4858% | 2,116 |
| Tier 1 risk-based capital ratio | 14.7481% | 2,942 |
| Total risk-based capital ratio | 15.6172% | 3,044 |
| Memoranda: | ||
| Average total assets | $91,273,800 | 4,247 |
| Average earning assets | $85,423,200 | 4,231 |
| Average equity | $9,900,600 | 4,318 |
| Average total loans | $65,449,800 | 3,977 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 3,256 |
| Cost of funding earning assets | 0.5395% | 2,937 |
| Net interest margin | 3.6780% | 3,097 |
| Noninterest income to average assets | 0.7757% | 1,556 |
| Noninterest expense to average assets | 2.7715% | 2,739 |
| Loan and lease loss provision to assets | 0.1452% | 1,366 |
| Net operating income to assets | 0.9722% | 3,210 |
| Return on assets (ROA) | 0.9722% | 3,222 |
| Pretax return on assets | 1.2978% | 2,638 |
| Return on Equity (ROE) | 9.0193% | 3,073 |
| Retained earnings to average equity (ytd only) | 4.9382% | 3,269 |
| Net charge-offs to loans | 0.2464% | 690 |
| Credit loss provision to net charge-offs | 83.1933% | 2,498 |
| Earnings coverage of net charge-offs (x) | 8.2691% | 2,729 |
| Efficiency ratio | 65.7620% | 2,912 |
| Assets per employee ($millions) | 4.4372% | 3,216 |
| Cash dividends to net income (ytd only)* | 45.2488% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,218 |
| Loan loss allowance to noncurrent loans | 593.2039% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 3,986 |
| Noncurrent loans to loans | 0.1539% | 4,187 |
| Net loans and leases to total assets | 74.7484% | 1,862 |
| Net loans and leases to deposits | 88.3888% | 2,104 |
| Net loans and leases to core deposits | 97.9910% | 1,934 |
| Total domestic deposits to total assets | 84.5678% | 2,777 |
| Equity capital to assets | 11.2741% | 2,411 |
| Core capital (leverage) ratio | 11.4379% | 2,221 |
| Tier 1 risk-based capital ratio | 15.1531% | 2,816 |
| Total risk-based capital ratio | 16.0657% | 2,882 |
| Memoranda: | ||
| Average total assets | $90,923,500 | 4,299 |
| Average earning assets | $85,009,000 | 4,278 |
| Average equity | $9,801,000 | 4,370 |
| Average total loans | $64,387,250 | 4,035 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 3,265 |
| Cost of funding earning assets | 0.5130% | 2,908 |
| Net interest margin | 3.6403% | 3,155 |
| Noninterest income to average assets | 0.7594% | 1,613 |
| Noninterest expense to average assets | 2.7365% | 2,887 |
| Loan and lease loss provision to assets | 0.2182% | 750 |
| Net operating income to assets | 0.8969% | 3,465 |
| Return on assets (ROA) | 0.8969% | 3,473 |
| Pretax return on assets | 1.2111% | 2,905 |
| Return on Equity (ROE) | 8.4455% | 3,291 |
| Retained earnings to average equity (ytd only) | 2.2809% | 4,369 |
| Net charge-offs to loans | 0.3840% | 410 |
| Credit loss provision to net charge-offs | 81.9672% | 2,236 |
| Earnings coverage of net charge-offs (x) | 5.3689% | 2,715 |
| Efficiency ratio | 65.6888% | 3,033 |
| Assets per employee ($millions) | 4.4982% | 3,133 |
| Cash dividends to net income (ytd only)* | 72.9927% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 4,097 |
| Loan loss allowance to noncurrent loans | 706.9767% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 4,137 |
| Noncurrent loans to loans | 0.1349% | 4,301 |
| Net loans and leases to total assets | 70.2103% | 2,551 |
| Net loans and leases to deposits | 79.5887% | 2,995 |
| Net loans and leases to core deposits | 87.8339% | 2,735 |
| Total domestic deposits to total assets | 88.2164% | 1,264 |
| Equity capital to assets | 10.8721% | 2,760 |
| Core capital (leverage) ratio | 10.8984% | 2,614 |
| Tier 1 risk-based capital ratio | 15.1365% | 2,805 |
| Total risk-based capital ratio | 16.0668% | 2,889 |
| Memoranda: | ||
| Average total assets | $91,650,330 | 4,326 |
| Average earning assets | $85,762,330 | 4,303 |
| Average equity | $9,733,000 | 4,419 |
| Average total loans | $63,534,670 | 4,083 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 3,298 |
| Cost of funding earning assets | 0.4801% | 2,961 |
| Net interest margin | 3.6005% | 3,180 |
| Noninterest income to average assets | 0.7395% | 1,661 |
| Noninterest expense to average assets | 2.7159% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1633% | 2,165 |
| Return on assets (ROA) | 1.1633% | 2,177 |
| Pretax return on assets | 1.3969% | 2,016 |
| Return on Equity (ROE) | 11.0825% | 1,938 |
| Retained earnings to average equity (ytd only) | -1.2772% | 4,939 |
| Net charge-offs to loans | -0.0063% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0358% | 3,147 |
| Assets per employee ($millions) | 4.8714% | 2,645 |
| Cash dividends to net income (ytd only)* | 111.5242% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 4,061 |
| Loan loss allowance to noncurrent loans | 4,507.1429% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,646 |
| Noncurrent loans to loans | 0.0218% | 4,883 |
| Net loans and leases to total assets | 68.8311% | 2,656 |
| Net loans and leases to deposits | 77.4471% | 3,070 |
| Net loans and leases to core deposits | 85.1575% | 2,874 |
| Total domestic deposits to total assets | 88.8750% | 1,163 |
| Equity capital to assets | 10.4228% | 3,149 |
| Core capital (leverage) ratio | 10.6516% | 2,793 |
| Tier 1 risk-based capital ratio | 14.7394% | 3,011 |
| Total risk-based capital ratio | 15.6932% | 3,063 |
| Memoranda: | ||
| Average total assets | $92,493,500 | 4,360 |
| Average earning assets | $86,654,500 | 4,329 |
| Average equity | $9,709,000 | 4,467 |
| Average total loans | $63,416,000 | 4,117 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 3,871 |
| Cost of funding earning assets | 0.4517% | 2,760 |
| Net interest margin | 3.4035% | 3,841 |
| Noninterest income to average assets | 0.7213% | 1,878 |
| Noninterest expense to average assets | 2.6402% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8649% | 2,892 |
| Return on assets (ROA) | 0.8649% | 2,913 |
| Pretax return on assets | 1.2678% | 2,476 |
| Return on Equity (ROE) | 8.2203% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.2203% | 688 |
| Net charge-offs to loans | 0.0197% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 94.9167% | 667 |
| Efficiency ratio | 67.5591% | 2,987 |
| Assets per employee ($millions) | 4.8647% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,884 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,670 |
| Noncurrent loans to loans | 0.0240% | 4,909 |
| Net loans and leases to total assets | 66.9296% | 2,976 |
| Net loans and leases to deposits | 75.3664% | 3,401 |
| Net loans and leases to core deposits | 82.5963% | 3,191 |
| Total domestic deposits to total assets | 88.8056% | 1,082 |
| Equity capital to assets | 10.5712% | 3,084 |
| Core capital (leverage) ratio | 10.8792% | 2,443 |
| Tier 1 risk-based capital ratio | 15.2187% | 2,733 |
| Total risk-based capital ratio | 16.1985% | 2,801 |
| Memoranda: | ||
| Average total assets | $89,841,400 | 4,427 |
| Average earning assets | $84,119,600 | 4,399 |
| Average equity | $9,452,200 | 4,534 |
| Average total loans | $60,887,800 | 4,184 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 3,813 |
| Cost of funding earning assets | 0.4500% | 2,715 |
| Net interest margin | 3.4054% | 3,834 |
| Noninterest income to average assets | 0.7190% | 1,913 |
| Noninterest expense to average assets | 2.6115% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9462% | 2,800 |
| Return on assets (ROA) | 0.9462% | 2,861 |
| Pretax return on assets | 1.2975% | 2,508 |
| Return on Equity (ROE) | 9.0049% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.0049% | 835 |
| Net charge-offs to loans | -0.0066% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8069% | 3,080 |
| Assets per employee ($millions) | 4.6787% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,658 |
| Loan loss allowance to noncurrent loans | 602.8037% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 4,301 |
| Noncurrent loans to loans | 0.1778% | 4,359 |
| Net loans and leases to total assets | 66.9858% | 2,982 |
| Net loans and leases to deposits | 79.0671% | 3,062 |
| Net loans and leases to core deposits | 87.4033% | 2,834 |
| Total domestic deposits to total assets | 84.7202% | 2,828 |
| Equity capital to assets | 10.9151% | 2,946 |
| Core capital (leverage) ratio | 11.2043% | 2,273 |
| Tier 1 risk-based capital ratio | 16.0440% | 2,484 |
| Total risk-based capital ratio | 17.1217% | 2,491 |
| Memoranda: | ||
| Average total assets | $89,194,250 | 4,484 |
| Average earning assets | $83,550,500 | 4,451 |
| Average equity | $9,372,500 | 4,592 |
| Average total loans | $60,486,500 | 4,231 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 3,805 |
| Cost of funding earning assets | 0.4564% | 2,541 |
| Net interest margin | 3.3691% | 3,882 |
| Noninterest income to average assets | 0.6115% | 2,401 |
| Noninterest expense to average assets | 2.4772% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9407% | 2,717 |
| Return on assets (ROA) | 0.9407% | 2,774 |
| Pretax return on assets | 1.2924% | 2,415 |
| Return on Equity (ROE) | 9.0690% | 2,477 |
| Retained earnings to average equity (ytd only) | 9.0690% | 819 |
| Net charge-offs to loans | -0.0099% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7160% | 3,399 |
| Assets per employee ($millions) | 4.6673% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,603 |
| Loan loss allowance to noncurrent loans | 16,125.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 4,862 |
| Noncurrent loans to loans | 0.0068% | 5,163 |
| Net loans and leases to total assets | 65.6431% | 3,156 |
| Net loans and leases to deposits | 76.2413% | 3,316 |
| Net loans and leases to core deposits | 85.5616% | 2,926 |
| Total domestic deposits to total assets | 86.0991% | 2,337 |
| Equity capital to assets | 10.7219% | 3,112 |
| Core capital (leverage) ratio | 10.4258% | 2,997 |
| Tier 1 risk-based capital ratio | 15.6603% | 2,638 |
| Total risk-based capital ratio | 16.7371% | 2,643 |
| Memoranda: | ||
| Average total assets | $89,294,000 | 4,510 |
| Average earning assets | $83,702,330 | 4,471 |
| Average equity | $9,262,330 | 4,634 |
| Average total loans | $60,584,670 | 4,252 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 4,121 |
| Cost of funding earning assets | 0.4422% | 2,595 |
| Net interest margin | 3.2569% | 4,146 |
| Noninterest income to average assets | 0.6696% | 2,091 |
| Noninterest expense to average assets | 2.4955% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8839% | 2,843 |
| Return on assets (ROA) | 0.8839% | 2,894 |
| Pretax return on assets | 1.2321% | 2,469 |
| Return on Equity (ROE) | 8.6657% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.6657% | 1,201 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9461% | 3,348 |
| Assets per employee ($millions) | 4.7520% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,790 |
| Loan loss allowance to noncurrent loans | 930.4348% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,969 |
| Noncurrent loans to loans | 0.1167% | 4,724 |
| Net loans and leases to total assets | 64.7705% | 3,153 |
| Net loans and leases to deposits | 74.6804% | 3,337 |
| Net loans and leases to core deposits | 83.6121% | 2,935 |
| Total domestic deposits to total assets | 86.7302% | 2,346 |
| Equity capital to assets | 10.2472% | 3,467 |
| Core capital (leverage) ratio | 10.3507% | 3,059 |
| Tier 1 risk-based capital ratio | 15.6433% | 2,698 |
| Total risk-based capital ratio | 16.7374% | 2,694 |
| Memoranda: | ||
| Average total assets | $89,602,000 | 4,545 |
| Average earning assets | $84,128,000 | 4,505 |
| Average equity | $9,139,500 | 4,692 |
| Average total loans | $61,449,000 | 4,261 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 2,889 |
| Cost of funding earning assets | 0.4020% | 2,980 |
| Net interest margin | 3.6892% | 2,746 |
| Noninterest income to average assets | 0.7749% | 1,856 |
| Noninterest expense to average assets | 2.7845% | 3,072 |
| Loan and lease loss provision to assets | 0.0875% | 2,616 |
| Net operating income to assets | 0.9733% | 2,473 |
| Return on assets (ROA) | 0.9733% | 2,579 |
| Pretax return on assets | 1.3304% | 2,178 |
| Return on Equity (ROE) | 9.1816% | 2,327 |
| Retained earnings to average equity (ytd only) | 4.3376% | 2,815 |
| Net charge-offs to loans | 0.0782% | 2,568 |
| Credit loss provision to net charge-offs | 159.5745% | 1,725 |
| Earnings coverage of net charge-offs (x) | 25.8511% | 1,572 |
| Efficiency ratio | 66.2594% | 3,552 |
| Assets per employee ($millions) | 4.9398% | 2,458 |
| Cash dividends to net income (ytd only)* | 52.7578% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 4,281 |
| Loan loss allowance to noncurrent loans | 930.4348% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 5,028 |
| Noncurrent loans to loans | 0.1082% | 4,801 |
| Net loans and leases to total assets | 71.0041% | 2,330 |
| Net loans and leases to deposits | 81.9209% | 2,680 |
| Net loans and leases to core deposits | 90.1579% | 2,486 |
| Total domestic deposits to total assets | 86.6739% | 2,300 |
| Equity capital to assets | 10.1523% | 3,546 |
| Core capital (leverage) ratio | 10.2950% | 3,114 |
| Tier 1 risk-based capital ratio | 14.1189% | 3,403 |
| Total risk-based capital ratio | 15.1264% | 3,452 |
| Memoranda: | ||
| Average total assets | $85,687,200 | 4,619 |
| Average earning assets | $79,610,000 | 4,597 |
| Average equity | $9,083,400 | 4,742 |
| Average total loans | $60,087,400 | 4,295 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 2,640 |
| Cost of funding earning assets | 0.3918% | 3,107 |
| Net interest margin | 3.7701% | 2,449 |
| Noninterest income to average assets | 0.7917% | 1,797 |
| Noninterest expense to average assets | 2.8117% | 2,963 |
| Loan and lease loss provision to assets | 0.0393% | 3,454 |
| Net operating income to assets | 1.0634% | 2,151 |
| Return on assets (ROA) | 1.0634% | 2,256 |
| Pretax return on assets | 1.4326% | 1,932 |
| Return on Equity (ROE) | 9.9218% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.9218% | 588 |
| Net charge-offs to loans | 0.0473% | 2,696 |
| Credit loss provision to net charge-offs | 119.0476% | 2,096 |
| Earnings coverage of net charge-offs (x) | 44.6179% | 1,159 |
| Efficiency ratio | 65.6399% | 3,652 |
| Assets per employee ($millions) | 4.4684% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 4,415 |
| Loan loss allowance to noncurrent loans | 895.6522% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 4,933 |
| Noncurrent loans to loans | 0.1116% | 4,889 |
| Net loans and leases to total assets | 72.1178% | 2,174 |
| Net loans and leases to deposits | 87.3725% | 2,098 |
| Net loans and leases to core deposits | 93.8677% | 2,201 |
| Total domestic deposits to total assets | 82.5406% | 3,762 |
| Equity capital to assets | 11.1378% | 2,876 |
| Core capital (leverage) ratio | 10.9117% | 2,547 |
| Tier 1 risk-based capital ratio | 15.1752% | 2,965 |
| Total risk-based capital ratio | 16.1954% | 3,004 |
| Memoranda: | ||
| Average total assets | $84,880,000 | 4,670 |
| Average earning assets | $78,616,000 | 4,647 |
| Average equity | $9,097,500 | 4,790 |
| Average total loans | $59,165,250 | 4,360 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 2,745 |
| Cost of funding earning assets | 0.4075% | 2,961 |
| Net interest margin | 3.7233% | 2,604 |
| Noninterest income to average assets | 0.7823% | 1,798 |
| Noninterest expense to average assets | 2.7948% | 3,047 |
| Loan and lease loss provision to assets | 0.0589% | 2,965 |
| Net operating income to assets | 1.0038% | 2,377 |
| Return on assets (ROA) | 1.0038% | 2,510 |
| Pretax return on assets | 1.3738% | 2,123 |
| Return on Equity (ROE) | 9.4899% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.4899% | 720 |
| Net charge-offs to loans | 0.0481% | 2,522 |
| Credit loss provision to net charge-offs | 178.5714% | 1,411 |
| Earnings coverage of net charge-offs (x) | 43.4286% | 1,097 |
| Efficiency ratio | 66.1093% | 3,669 |
| Assets per employee ($millions) | 4.5005% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 4,079 |
| Loan loss allowance to noncurrent loans | 905.7971% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 4,996 |
| Noncurrent loans to loans | 0.1187% | 4,971 |
| Net loans and leases to total assets | 67.2459% | 2,904 |
| Net loans and leases to deposits | 78.2074% | 3,135 |
| Net loans and leases to core deposits | 83.7270% | 3,109 |
| Total domestic deposits to total assets | 85.9841% | 2,426 |
| Equity capital to assets | 10.7976% | 3,285 |
| Core capital (leverage) ratio | 10.4158% | 3,058 |
| Tier 1 risk-based capital ratio | 15.2672% | 2,950 |
| Total risk-based capital ratio | 16.3308% | 2,977 |
| Memoranda: | ||
| Average total assets | $84,873,330 | 4,709 |
| Average earning assets | $78,533,330 | 4,689 |
| Average equity | $8,978,000 | 4,850 |
| Average total loans | $58,271,670 | 4,402 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 3,452 |
| Cost of funding earning assets | 0.3800% | 3,295 |
| Net interest margin | 3.5535% | 3,259 |
| Noninterest income to average assets | 0.7947% | 1,637 |
| Noninterest expense to average assets | 2.7958% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9036% | 2,736 |
| Return on assets (ROA) | 0.9036% | 2,862 |
| Pretax return on assets | 1.2725% | 2,409 |
| Return on Equity (ROE) | 8.6323% | 2,588 |
| Retained earnings to average equity (ytd only) | 8.6323% | 1,218 |
| Net charge-offs to loans | 0.0823% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.4167% | 1,404 |
| Efficiency ratio | 68.7209% | 3,343 |
| Assets per employee ($millions) | 4.5032% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 4,408 |
| Loan loss allowance to noncurrent loans | 676.4045% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 4,971 |
| Noncurrent loans to loans | 0.1533% | 4,864 |
| Net loans and leases to total assets | 67.1681% | 2,785 |
| Net loans and leases to deposits | 77.7670% | 3,025 |
| Net loans and leases to core deposits | 83.4226% | 2,990 |
| Total domestic deposits to total assets | 86.3710% | 2,509 |
| Equity capital to assets | 10.4804% | 3,524 |
| Core capital (leverage) ratio | 10.4412% | 3,026 |
| Tier 1 risk-based capital ratio | 14.5700% | 3,357 |
| Total risk-based capital ratio | 15.5775% | 3,410 |
| Memoranda: | ||
| Average total assets | $84,555,000 | 4,756 |
| Average earning assets | $77,894,000 | 4,748 |
| Average equity | $8,850,500 | 4,898 |
| Average total loans | $58,344,000 | 4,428 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,183 |
| Cost of funding earning assets | 0.3635% | 3,545 |
| Net interest margin | 3.6690% | 2,867 |
| Noninterest income to average assets | 0.8366% | 1,651 |
| Noninterest expense to average assets | 2.8022% | 3,220 |
| Loan and lease loss provision to assets | 0.0606% | 3,090 |
| Net operating income to assets | 1.0015% | 2,355 |
| Return on assets (ROA) | 1.0015% | 2,451 |
| Pretax return on assets | 1.3641% | 2,055 |
| Return on Equity (ROE) | 9.5275% | 2,208 |
| Retained earnings to average equity (ytd only) | 4.9137% | 2,485 |
| Net charge-offs to loans | 0.1047% | 2,353 |
| Credit loss provision to net charge-offs | 83.3333% | 2,887 |
| Earnings coverage of net charge-offs (x) | 19.5833% | 1,935 |
| Efficiency ratio | 66.2937% | 3,858 |
| Assets per employee ($millions) | 4.6417% | 2,823 |
| Cash dividends to net income (ytd only)* | 48.4262% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 4,338 |
| Loan loss allowance to noncurrent loans | 1,158.4906% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 5,144 |
| Noncurrent loans to loans | 0.0904% | 5,131 |
| Net loans and leases to total assets | 69.4231% | 2,465 |
| Net loans and leases to deposits | 80.5698% | 2,757 |
| Net loans and leases to core deposits | 86.5923% | 2,744 |
| Total domestic deposits to total assets | 86.1652% | 2,563 |
| Equity capital to assets | 10.4536% | 3,416 |
| Core capital (leverage) ratio | 10.3970% | 3,057 |
| Tier 1 risk-based capital ratio | 14.2991% | 3,550 |
| Total risk-based capital ratio | 15.3269% | 3,593 |
| Memoranda: | ||
| Average total assets | $82,472,200 | 4,818 |
| Average earning assets | $76,206,800 | 4,807 |
| Average equity | $8,669,600 | 4,917 |
| Average total loans | $57,309,200 | 4,452 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,185 |
| Cost of funding earning assets | 0.3633% | 3,621 |
| Net interest margin | 3.6731% | 2,874 |
| Noninterest income to average assets | 0.8418% | 1,645 |
| Noninterest expense to average assets | 2.8109% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0559% | 2,193 |
| Return on assets (ROA) | 1.0559% | 2,287 |
| Pretax return on assets | 1.4257% | 1,912 |
| Return on Equity (ROE) | 10.0304% | 2,091 |
| Retained earnings to average equity (ytd only) | 10.0304% | 630 |
| Net charge-offs to loans | -0.0515% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3476% | 3,828 |
| Assets per employee ($millions) | 4.4762% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,964 |
| Loan loss allowance to noncurrent loans | 1,468.1818% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 5,328 |
| Noncurrent loans to loans | 0.0780% | 5,314 |
| Net loans and leases to total assets | 69.2420% | 2,498 |
| Net loans and leases to deposits | 81.1819% | 2,743 |
| Net loans and leases to core deposits | 87.9051% | 2,670 |
| Total domestic deposits to total assets | 85.2925% | 2,888 |
| Equity capital to assets | 11.1306% | 2,876 |
| Core capital (leverage) ratio | 10.9050% | 2,587 |
| Tier 1 risk-based capital ratio | 15.1942% | 3,190 |
| Total risk-based capital ratio | 16.3146% | 3,202 |
| Memoranda: | ||
| Average total assets | $82,202,750 | 4,881 |
| Average earning assets | $75,973,500 | 4,868 |
| Average equity | $8,653,500 | 4,986 |
| Average total loans | $56,982,250 | 4,506 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,363 |
| Cost of funding earning assets | 0.3630% | 3,666 |
| Net interest margin | 3.6196% | 3,014 |
| Noninterest income to average assets | 0.8460% | 1,618 |
| Noninterest expense to average assets | 2.7675% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0683% | 2,063 |
| Return on assets (ROA) | 1.0683% | 2,166 |
| Pretax return on assets | 1.4285% | 1,871 |
| Return on Equity (ROE) | 10.3408% | 1,918 |
| Retained earnings to average equity (ytd only) | 10.3408% | 614 |
| Net charge-offs to loans | -0.0350% | 5,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9562% | 4,016 |
| Assets per employee ($millions) | 4.2218% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 4,285 |
| Loan loss allowance to noncurrent loans | 284.3049% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 4,565 |
| Noncurrent loans to loans | 0.3897% | 4,314 |
| Net loans and leases to total assets | 70.5529% | 2,233 |
| Net loans and leases to deposits | 83.5669% | 2,373 |
| Net loans and leases to core deposits | 84.8511% | 2,899 |
| Total domestic deposits to total assets | 84.4269% | 3,385 |
| Equity capital to assets | 10.8608% | 3,038 |
| Core capital (leverage) ratio | 10.6795% | 2,754 |
| Tier 1 risk-based capital ratio | 15.4073% | 3,159 |
| Total risk-based capital ratio | 16.5393% | 3,145 |
| Memoranda: | ||
| Average total assets | $82,746,670 | 4,922 |
| Average earning assets | $76,582,330 | 4,904 |
| Average equity | $8,548,670 | 5,048 |
| Average total loans | $57,164,670 | 4,535 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 3,655 |
| Cost of funding earning assets | 0.3600% | 3,753 |
| Net interest margin | 3.5334% | 3,289 |
| Noninterest income to average assets | 0.7856% | 1,763 |
| Noninterest expense to average assets | 2.7091% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0760% | 1,946 |
| Return on assets (ROA) | 1.0760% | 2,064 |
| Pretax return on assets | 1.3474% | 2,087 |
| Return on Equity (ROE) | 10.6767% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.6767% | 779 |
| Net charge-offs to loans | -0.0700% | 5,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7840% | 4,013 |
| Assets per employee ($millions) | 4.4377% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 4,234 |
| Loan loss allowance to noncurrent loans | 164.6753% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 4,007 |
| Noncurrent loans to loans | 0.7017% | 3,524 |
| Net loans and leases to total assets | 64.3223% | 3,048 |
| Net loans and leases to deposits | 74.2952% | 3,268 |
| Net loans and leases to core deposits | 82.1366% | 2,954 |
| Total domestic deposits to total assets | 86.5767% | 2,622 |
| Equity capital to assets | 10.2033% | 3,879 |
| Core capital (leverage) ratio | 10.0648% | 3,516 |
| Tier 1 risk-based capital ratio | 15.6010% | 3,103 |
| Total risk-based capital ratio | 15.6010% | 3,724 |
| Memoranda: | ||
| Average total assets | $84,012,500 | 4,939 |
| Average earning assets | $77,773,000 | 4,923 |
| Average equity | $8,467,000 | 5,100 |
| Average total loans | $57,133,000 | 4,575 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 4,028 |
| Cost of funding earning assets | 0.3859% | 3,840 |
| Net interest margin | 3.5418% | 3,631 |
| Noninterest income to average assets | 0.7956% | 1,895 |
| Noninterest expense to average assets | 2.7945% | 3,503 |
| Loan and lease loss provision to assets | 0.2763% | 775 |
| Net operating income to assets | 0.7804% | 3,471 |
| Return on assets (ROA) | 0.7993% | 3,476 |
| Pretax return on assets | 1.0400% | 3,349 |
| Return on Equity (ROE) | 8.1899% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.1899% | 955 |
| Net charge-offs to loans | 0.4065% | 1,056 |
| Credit loss provision to net charge-offs | 104.1667% | 2,298 |
| Earnings coverage of net charge-offs (x) | 4.8704% | 3,545 |
| Efficiency ratio | 68.3894% | 3,827 |
| Assets per employee ($millions) | 4.4057% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 4,810 |
| Loan loss allowance to noncurrent loans | 102.9703% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 3,285 |
| Noncurrent loans to loans | 1.0202% | 2,786 |
| Net loans and leases to total assets | 70.2123% | 2,201 |
| Net loans and leases to deposits | 80.8524% | 2,617 |
| Net loans and leases to core deposits | 89.4296% | 2,340 |
| Total domestic deposits to total assets | 86.8401% | 2,364 |
| Equity capital to assets | 9.9523% | 4,175 |
| Core capital (leverage) ratio | 10.1095% | 3,425 |
| Tier 1 risk-based capital ratio | 13.3618% | 4,493 |
| Total risk-based capital ratio | 14.3801% | 4,560 |
| Memoranda: | ||
| Average total assets | $81,444,400 | 5,030 |
| Average earning assets | $75,668,800 | 4,999 |
| Average equity | $7,948,800 | 5,215 |
| Average total loans | $53,133,000 | 4,719 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 4,158 |
| Cost of funding earning assets | 0.3885% | 3,920 |
| Net interest margin | 3.5160% | 3,766 |
| Noninterest income to average assets | 0.8045% | 1,878 |
| Noninterest expense to average assets | 2.8025% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9835% | 2,524 |
| Return on assets (ROA) | 1.0089% | 2,476 |
| Pretax return on assets | 1.3023% | 2,370 |
| Return on Equity (ROE) | 10.3903% | 2,041 |
| Retained earnings to average equity (ytd only) | 10.3903% | 618 |
| Net charge-offs to loans | -0.0646% | 6,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8259% | 3,701 |
| Assets per employee ($millions) | 4.2199% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 4,513 |
| Loan loss allowance to noncurrent loans | 163.2653% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 4,258 |
| Noncurrent loans to loans | 0.7029% | 3,850 |
| Net loans and leases to total assets | 68.7537% | 2,423 |
| Net loans and leases to deposits | 79.8280% | 2,715 |
| Net loans and leases to core deposits | 84.7401% | 2,805 |
| Total domestic deposits to total assets | 86.1273% | 2,787 |
| Equity capital to assets | 10.3019% | 3,785 |
| Core capital (leverage) ratio | 10.1652% | 3,455 |
| Tier 1 risk-based capital ratio | 14.0065% | 4,210 |
| Total risk-based capital ratio | 15.1067% | 4,253 |
| Memoranda: | ||
| Average total assets | $80,878,250 | 5,096 |
| Average earning assets | $75,160,000 | 5,062 |
| Average equity | $7,853,250 | 5,280 |
| Average total loans | $51,566,750 | 4,809 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 4,401 |
| Cost of funding earning assets | 0.3925% | 3,956 |
| Net interest margin | 3.4394% | 4,015 |
| Noninterest income to average assets | 0.7644% | 1,989 |
| Noninterest expense to average assets | 2.8011% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8679% | 2,968 |
| Return on assets (ROA) | 0.8679% | 3,056 |
| Pretax return on assets | 1.1614% | 2,830 |
| Return on Equity (ROE) | 9.1219% | 2,539 |
| Retained earnings to average equity (ytd only) | 9.1219% | 951 |
| Net charge-offs to loans | -0.0478% | 5,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6907% | 3,538 |
| Assets per employee ($millions) | 4.2546% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 4,286 |
| Loan loss allowance to noncurrent loans | 62,700.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 6,039 |
| Noncurrent loans to loans | 0.0020% | 6,111 |
| Net loans and leases to total assets | 62.3791% | 3,346 |
| Net loans and leases to deposits | 71.4563% | 3,641 |
| Net loans and leases to core deposits | 74.5506% | 3,780 |
| Total domestic deposits to total assets | 87.2968% | 2,297 |
| Equity capital to assets | 9.8691% | 4,273 |
| Core capital (leverage) ratio | 9.7122% | 4,018 |
| Tier 1 risk-based capital ratio | 14.3515% | 4,026 |
| Total risk-based capital ratio | 15.4919% | 4,033 |
| Memoranda: | ||
| Average total assets | $81,111,330 | 5,137 |
| Average earning assets | $75,419,670 | 5,093 |
| Average equity | $7,717,670 | 5,336 |
| Average total loans | $50,167,000 | 4,891 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 4,706 |
| Cost of funding earning assets | 0.4191% | 3,773 |
| Net interest margin | 3.3209% | 4,455 |
| Noninterest income to average assets | 0.7779% | 1,847 |
| Noninterest expense to average assets | 2.7865% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7828% | 3,238 |
| Return on assets (ROA) | 0.7828% | 3,320 |
| Pretax return on assets | 1.0733% | 3,020 |
| Return on Equity (ROE) | 8.3822% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.3822% | 1,462 |
| Net charge-offs to loans | -0.0724% | 5,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1939% | 3,453 |
| Assets per employee ($millions) | 4.3674% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 4,262 |
| Loan loss allowance to noncurrent loans | 10,400.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 6,111 |
| Noncurrent loans to loans | 0.0122% | 6,136 |
| Net loans and leases to total assets | 58.3237% | 3,793 |
| Net loans and leases to deposits | 64.9389% | 4,215 |
| Net loans and leases to core deposits | 66.3982% | 4,459 |
| Total domestic deposits to total assets | 89.8132% | 1,176 |
| Equity capital to assets | 9.2842% | 4,776 |
| Core capital (leverage) ratio | 9.5340% | 4,234 |
| Tier 1 risk-based capital ratio | 14.2918% | 4,135 |
| Total risk-based capital ratio | 15.4506% | 4,140 |
| Memoranda: | ||
| Average total assets | $81,248,000 | 5,182 |
| Average earning assets | $75,402,000 | 5,137 |
| Average equity | $7,587,500 | 5,398 |
| Average total loans | $49,724,000 | 4,942 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 4,200 |
| Cost of funding earning assets | 0.4657% | 3,956 |
| Net interest margin | 3.5033% | 3,894 |
| Noninterest income to average assets | 0.8691% | 1,791 |
| Noninterest expense to average assets | 3.0063% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8468% | 3,055 |
| Return on assets (ROA) | 0.8468% | 3,132 |
| Pretax return on assets | 1.0923% | 2,973 |
| Return on Equity (ROE) | 8.7959% | 2,641 |
| Retained earnings to average equity (ytd only) | 8.7959% | 820 |
| Net charge-offs to loans | 0.0446% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 39.6190% | 963 |
| Efficiency ratio | 73.3504% | 3,240 |
| Assets per employee ($millions) | 4.1851% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 4,541 |
| Loan loss allowance to noncurrent loans | 12,300.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 6,193 |
| Noncurrent loans to loans | 0.0099% | 6,258 |
| Net loans and leases to total assets | 62.6440% | 3,264 |
| Net loans and leases to deposits | 71.8187% | 3,544 |
| Net loans and leases to core deposits | 73.2917% | 3,918 |
| Total domestic deposits to total assets | 87.2252% | 2,614 |
| Equity capital to assets | 9.3956% | 4,551 |
| Core capital (leverage) ratio | 9.6500% | 4,056 |
| Tier 1 risk-based capital ratio | 14.5820% | 3,915 |
| Total risk-based capital ratio | 15.7719% | 3,874 |
| Memoranda: | ||
| Average total assets | $76,172,400 | 5,322 |
| Average earning assets | $70,219,000 | 5,305 |
| Average equity | $7,333,000 | 5,492 |
| Average total loans | $47,133,000 | 5,062 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 4,088 |
| Cost of funding earning assets | 0.4707% | 4,063 |
| Net interest margin | 3.5405% | 3,711 |
| Noninterest income to average assets | 0.8654% | 1,873 |
| Noninterest expense to average assets | 2.9113% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8566% | 3,063 |
| Return on assets (ROA) | 0.8566% | 3,178 |
| Pretax return on assets | 1.2159% | 2,635 |
| Return on Equity (ROE) | 8.8418% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.8418% | 1,103 |
| Net charge-offs to loans | 0.0806% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 24.5374% | 1,420 |
| Efficiency ratio | 70.5403% | 3,664 |
| Assets per employee ($millions) | 3.7609% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 6,297 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 61.1949% | 3,493 |
| Net loans and leases to deposits | 68.5588% | 3,990 |
| Net loans and leases to core deposits | 70.0594% | 4,318 |
| Total domestic deposits to total assets | 89.2591% | 1,429 |
| Equity capital to assets | 9.7531% | 4,241 |
| Core capital (leverage) ratio | 9.8722% | 3,861 |
| Tier 1 risk-based capital ratio | 14.6542% | 3,979 |
| Total risk-based capital ratio | 15.8623% | 3,954 |
| Memoranda: | ||
| Average total assets | $75,336,500 | 5,396 |
| Average earning assets | $69,404,000 | 5,376 |
| Average equity | $7,298,500 | 5,558 |
| Average total loans | $46,309,500 | 5,146 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 4,046 |
| Cost of funding earning assets | 0.4827% | 4,061 |
| Net interest margin | 3.5313% | 3,651 |
| Noninterest income to average assets | 0.8862% | 1,865 |
| Noninterest expense to average assets | 2.9107% | 3,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8783% | 2,921 |
| Return on assets (ROA) | 0.8783% | 3,063 |
| Pretax return on assets | 1.2365% | 2,536 |
| Return on Equity (ROE) | 9.0859% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.0859% | 1,089 |
| Net charge-offs to loans | 0.1472% | 2,929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 13.7059% | 1,881 |
| Efficiency ratio | 70.1855% | 3,793 |
| Assets per employee ($millions) | 3.9579% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,439 |
| Loan loss allowance to noncurrent loans | 654.3478% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 5,974 |
| Noncurrent loans to loans | 0.2006% | 5,810 |
| Net loans and leases to total assets | 60.1742% | 3,623 |
| Net loans and leases to deposits | 69.3130% | 3,810 |
| Net loans and leases to core deposits | 70.9008% | 4,175 |
| Total domestic deposits to total assets | 86.8152% | 2,930 |
| Equity capital to assets | 9.6117% | 4,437 |
| Core capital (leverage) ratio | 9.4498% | 4,320 |
| Tier 1 risk-based capital ratio | 14.4411% | 4,136 |
| Total risk-based capital ratio | 15.6449% | 4,124 |
| Memoranda: | ||
| Average total assets | $75,376,330 | 5,429 |
| Average earning assets | $69,605,330 | 5,404 |
| Average equity | $7,286,000 | 5,605 |
| Average total loans | $46,200,330 | 5,175 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 4,027 |
| Cost of funding earning assets | 0.4827% | 4,265 |
| Net interest margin | 3.5398% | 3,526 |
| Noninterest income to average assets | 0.9117% | 1,721 |
| Noninterest expense to average assets | 2.8729% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9435% | 2,459 |
| Return on assets (ROA) | 0.9435% | 2,603 |
| Pretax return on assets | 1.3039% | 2,220 |
| Return on Equity (ROE) | 9.7334% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.7334% | 1,173 |
| Net charge-offs to loans | 0.2501% | 1,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.4828% | 1,942 |
| Efficiency ratio | 68.7817% | 4,180 |
| Assets per employee ($millions) | 4.0536% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 4,553 |
| Loan loss allowance to noncurrent loans | 1,291.4894% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 6,231 |
| Noncurrent loans to loans | 0.1031% | 6,168 |
| Net loans and leases to total assets | 58.4116% | 3,719 |
| Net loans and leases to deposits | 65.3724% | 4,137 |
| Net loans and leases to core deposits | 66.6667% | 4,450 |
| Total domestic deposits to total assets | 89.3520% | 1,452 |
| Equity capital to assets | 9.5756% | 4,742 |
| Core capital (leverage) ratio | 9.3209% | 4,363 |
| Tier 1 risk-based capital ratio | 14.2091% | 4,356 |
| Total risk-based capital ratio | 15.4290% | 4,342 |
| Memoranda: | ||
| Average total assets | $75,464,500 | 5,472 |
| Average earning assets | $69,608,000 | 5,447 |
| Average equity | $7,315,000 | 5,659 |
| Average total loans | $46,374,000 | 5,208 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 3,837 |
| Cost of funding earning assets | 0.5536% | 4,784 |
| Net interest margin | 3.8392% | 3,062 |
| Noninterest income to average assets | 1.0461% | 1,418 |
| Noninterest expense to average assets | 3.0306% | 3,163 |
| Loan and lease loss provision to assets | 0.0700% | 4,868 |
| Net operating income to assets | 1.0928% | 1,961 |
| Return on assets (ROA) | 1.0938% | 2,141 |
| Pretax return on assets | 1.5111% | 1,644 |
| Return on Equity (ROE) | 11.0523% | 1,788 |
| Retained earnings to average equity (ytd only) | 5.3917% | 2,450 |
| Net charge-offs to loans | 0.0153% | 5,696 |
| Credit loss provision to net charge-offs | 714.2857% | 344 |
| Earnings coverage of net charge-offs (x) | 161.1429% | 260 |
| Efficiency ratio | 65.7351% | 4,554 |
| Assets per employee ($millions) | 3.8900% | 4,169 |
| Cash dividends to net income (ytd only)* | 51.2164% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,409 |
| Loan loss allowance to noncurrent loans | 286.4865% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 5,628 |
| Noncurrent loans to loans | 0.4708% | 5,349 |
| Net loans and leases to total assets | 62.9374% | 3,069 |
| Net loans and leases to deposits | 70.7957% | 3,592 |
| Net loans and leases to core deposits | 73.4019% | 3,863 |
| Total domestic deposits to total assets | 88.9000% | 1,640 |
| Equity capital to assets | 9.8160% | 4,426 |
| Core capital (leverage) ratio | 9.5125% | 4,085 |
| Tier 1 risk-based capital ratio | 13.6695% | 4,629 |
| Total risk-based capital ratio | 14.9150% | 4,578 |
| Memoranda: | ||
| Average total assets | $71,405,000 | 5,590 |
| Average earning assets | $66,289,600 | 5,541 |
| Average equity | $7,066,400 | 5,742 |
| Average total loans | $45,721,400 | 5,259 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 4,162 |
| Cost of funding earning assets | 0.5672% | 4,941 |
| Net interest margin | 3.8045% | 3,320 |
| Noninterest income to average assets | 1.0606% | 1,341 |
| Noninterest expense to average assets | 2.9255% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1854% | 1,793 |
| Return on assets (ROA) | 1.1868% | 1,971 |
| Pretax return on assets | 1.6747% | 1,345 |
| Return on Equity (ROE) | 11.9668% | 1,648 |
| Retained earnings to average equity (ytd only) | 8.1678% | 1,548 |
| Net charge-offs to loans | -0.0705% | 6,785 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6215% | 4,869 |
| Assets per employee ($millions) | 3.8103% | 4,280 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 4,814 |
| Loan loss allowance to noncurrent loans | 425.5172% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 4,683 |
| Noncurrent loans to loans | 0.3057% | 5,876 |
| Net loans and leases to total assets | 64.6721% | 2,896 |
| Net loans and leases to deposits | 74.0542% | 3,275 |
| Net loans and leases to core deposits | 76.8915% | 3,618 |
| Total domestic deposits to total assets | 87.3308% | 2,480 |
| Equity capital to assets | 10.0959% | 4,359 |
| Core capital (leverage) ratio | 9.9895% | 3,563 |
| Tier 1 risk-based capital ratio | 13.8123% | 4,684 |
| Total risk-based capital ratio | 14.9826% | 4,688 |
| Memoranda: | ||
| Average total assets | $70,778,750 | 5,672 |
| Average earning assets | $65,815,750 | 5,621 |
| Average equity | $7,019,250 | 5,824 |
| Average total loans | $45,363,500 | 5,329 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 4,288 |
| Cost of funding earning assets | 0.5921% | 4,963 |
| Net interest margin | 3.7818% | 3,446 |
| Noninterest income to average assets | 1.0962% | 1,193 |
| Noninterest expense to average assets | 2.9328% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2813% | 1,489 |
| Return on assets (ROA) | 1.2813% | 1,649 |
| Pretax return on assets | 1.6914% | 1,280 |
| Return on Equity (ROE) | 13.0008% | 1,366 |
| Retained earnings to average equity (ytd only) | 7.2226% | 1,991 |
| Net charge-offs to loans | -0.0761% | 6,790 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4236% | 5,003 |
| Assets per employee ($millions) | 3.7127% | 4,494 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 4,581 |
| Loan loss allowance to noncurrent loans | 3,812.5000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 5,163 |
| Noncurrent loans to loans | 0.0359% | 6,593 |
| Net loans and leases to total assets | 62.3869% | 3,356 |
| Net loans and leases to deposits | 72.5838% | 3,520 |
| Net loans and leases to core deposits | 74.2304% | 3,996 |
| Total domestic deposits to total assets | 85.9516% | 3,378 |
| Equity capital to assets | 10.0763% | 4,226 |
| Core capital (leverage) ratio | 9.6253% | 3,957 |
| Tier 1 risk-based capital ratio | 13.8154% | 4,587 |
| Total risk-based capital ratio | 15.0619% | 4,558 |
| Memoranda: | ||
| Average total assets | $70,239,670 | 5,728 |
| Average earning assets | $65,525,000 | 5,660 |
| Average equity | $6,922,670 | 5,870 |
| Average total loans | $44,672,330 | 5,397 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 4,408 |
| Cost of funding earning assets | 0.6186% | 4,975 |
| Net interest margin | 3.7607% | 3,561 |
| Noninterest income to average assets | 1.1129% | 1,142 |
| Noninterest expense to average assets | 2.8535% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3539% | 1,309 |
| Return on assets (ROA) | 1.3583% | 1,461 |
| Pretax return on assets | 1.7692% | 1,152 |
| Return on Equity (ROE) | 13.9385% | 1,197 |
| Retained earnings to average equity (ytd only) | 2.2255% | 5,149 |
| Net charge-offs to loans | -0.0089% | 5,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8047% | 5,307 |
| Assets per employee ($millions) | 4.2311% | 3,520 |
| Cash dividends to net income (ytd only)* | 84.0336% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 4,749 |
| Loan loss allowance to noncurrent loans | 288.3495% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8981% | 4,731 |
| Noncurrent loans to loans | 0.4732% | 5,729 |
| Net loans and leases to total assets | 59.6922% | 3,732 |
| Net loans and leases to deposits | 66.8171% | 4,258 |
| Net loans and leases to core deposits | 68.2423% | 4,656 |
| Total domestic deposits to total assets | 89.3367% | 1,462 |
| Equity capital to assets | 9.5177% | 4,777 |
| Core capital (leverage) ratio | 9.6978% | 3,776 |
| Tier 1 risk-based capital ratio | 13.7848% | 4,624 |
| Total risk-based capital ratio | 15.0350% | 4,602 |
| Memoranda: | ||
| Average total assets | $70,088,500 | 5,772 |
| Average earning assets | $65,306,500 | 5,712 |
| Average equity | $6,830,000 | 5,922 |
| Average total loans | $44,699,000 | 5,439 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 3,721 |
| Cost of funding earning assets | 0.8071% | 4,816 |
| Net interest margin | 4.0119% | 2,828 |
| Noninterest income to average assets | 0.9871% | 1,403 |
| Noninterest expense to average assets | 3.1045% | 3,180 |
| Loan and lease loss provision to assets | 0.2725% | 3,494 |
| Net operating income to assets | 0.9646% | 2,344 |
| Return on assets (ROA) | 0.9964% | 2,356 |
| Pretax return on assets | 1.3608% | 1,912 |
| Return on Equity (ROE) | 10.0304% | 2,052 |
| Retained earnings to average equity (ytd only) | 10.0304% | 562 |
| Net charge-offs to loans | 0.1010% | 5,341 |
| Credit loss provision to net charge-offs | 397.7273% | 586 |
| Earnings coverage of net charge-offs (x) | 23.2045% | 1,034 |
| Efficiency ratio | 66.1360% | 4,748 |
| Assets per employee ($millions) | 4.0146% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 4,937 |
| Loan loss allowance to noncurrent loans | 142.8916% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 4,139 |
| Noncurrent loans to loans | 0.9048% | 4,874 |
| Net loans and leases to total assets | 66.3389% | 2,721 |
| Net loans and leases to deposits | 74.6447% | 3,393 |
| Net loans and leases to core deposits | 75.8528% | 4,002 |
| Total domestic deposits to total assets | 88.8729% | 1,620 |
| Equity capital to assets | 9.9842% | 4,189 |
| Core capital (leverage) ratio | 9.8133% | 3,577 |
| Tier 1 risk-based capital ratio | 13.2826% | 4,850 |
| Total risk-based capital ratio | 14.4923% | 4,861 |
| Memoranda: | ||
| Average total assets | $64,229,000 | 5,917 |
| Average earning assets | $59,348,800 | 5,884 |
| Average equity | $6,380,600 | 6,046 |
| Average total loans | $43,546,600 | 5,537 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 3,782 |
| Cost of funding earning assets | 0.8488% | 4,781 |
| Net interest margin | 4.0013% | 2,909 |
| Noninterest income to average assets | 0.9827% | 1,384 |
| Noninterest expense to average assets | 3.1780% | 2,890 |
| Loan and lease loss provision to assets | 0.2636% | 3,399 |
| Net operating income to assets | 0.9457% | 2,547 |
| Return on assets (ROA) | 0.9912% | 2,509 |
| Pretax return on assets | 1.2885% | 2,327 |
| Return on Equity (ROE) | 9.9908% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.9908% | 847 |
| Net charge-offs to loans | 0.1148% | 4,871 |
| Credit loss provision to net charge-offs | 337.8378% | 837 |
| Earnings coverage of net charge-offs (x) | 19.1360% | 1,271 |
| Efficiency ratio | 68.0361% | 4,304 |
| Assets per employee ($millions) | 3.8365% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 5,307 |
| Loan loss allowance to noncurrent loans | 251.1416% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 4,736 |
| Noncurrent loans to loans | 0.4936% | 5,858 |
| Net loans and leases to total assets | 67.1839% | 2,639 |
| Net loans and leases to deposits | 75.7415% | 3,368 |
| Net loans and leases to core deposits | 77.0291% | 4,042 |
| Total domestic deposits to total assets | 88.7015% | 1,621 |
| Equity capital to assets | 10.1884% | 4,105 |
| Core capital (leverage) ratio | 10.0984% | 3,309 |
| Tier 1 risk-based capital ratio | 13.3534% | 4,832 |
| Total risk-based capital ratio | 14.5116% | 4,880 |
| Memoranda: | ||
| Average total assets | $63,224,250 | 5,993 |
| Average earning assets | $58,279,500 | 5,968 |
| Average equity | $6,272,250 | 6,123 |
| Average total loans | $42,966,250 | 5,607 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 3,695 |
| Cost of funding earning assets | 0.9029% | 4,640 |
| Net interest margin | 3.9796% | 2,940 |
| Noninterest income to average assets | 0.9847% | 1,365 |
| Noninterest expense to average assets | 3.2865% | 2,611 |
| Loan and lease loss provision to assets | 0.3996% | 2,421 |
| Net operating income to assets | 0.6937% | 3,571 |
| Return on assets (ROA) | 0.6937% | 3,689 |
| Pretax return on assets | 0.9623% | 3,386 |
| Return on Equity (ROE) | 7.0592% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.0592% | 1,854 |
| Net charge-offs to loans | 0.1929% | 4,000 |
| Credit loss provision to net charge-offs | 304.8780% | 993 |
| Earnings coverage of net charge-offs (x) | 10.3902% | 1,816 |
| Efficiency ratio | 70.7015% | 3,988 |
| Assets per employee ($millions) | 3.2512% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 5,154 |
| Loan loss allowance to noncurrent loans | 2,730.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 5,425 |
| Noncurrent loans to loans | 0.0469% | 6,868 |
| Net loans and leases to total assets | 68.2046% | 2,579 |
| Net loans and leases to deposits | 77.0519% | 3,288 |
| Net loans and leases to core deposits | 78.4347% | 4,002 |
| Total domestic deposits to total assets | 88.5176% | 1,841 |
| Equity capital to assets | 10.2488% | 3,819 |
| Core capital (leverage) ratio | 9.5660% | 3,859 |
| Tier 1 risk-based capital ratio | 12.9579% | 4,946 |
| Total risk-based capital ratio | 14.1200% | 4,998 |
| Memoranda: | ||
| Average total assets | $62,558,670 | 6,068 |
| Average earning assets | $57,593,330 | 6,035 |
| Average equity | $6,148,000 | 6,187 |
| Average total loans | $42,499,000 | 5,681 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 4,001 |
| Cost of funding earning assets | 0.8883% | 5,008 |
| Net interest margin | 3.9248% | 3,025 |
| Noninterest income to average assets | 1.0294% | 1,245 |
| Noninterest expense to average assets | 3.2787% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0611% | 1,972 |
| Return on assets (ROA) | 1.0611% | 2,022 |
| Pretax return on assets | 1.3725% | 1,805 |
| Return on Equity (ROE) | 11.0295% | 1,733 |
| Retained earnings to average equity (ytd only) | 11.0295% | 899 |
| Net charge-offs to loans | 0.1132% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,200 |
| Efficiency ratio | 70.4918% | 4,164 |
| Assets per employee ($millions) | 3.4163% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 6,025 |
| Loan loss allowance to noncurrent loans | 1,022.7273% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 5,440 |
| Noncurrent loans to loans | 0.1081% | 6,783 |
| Net loans and leases to total assets | 62.0367% | 3,851 |
| Net loans and leases to deposits | 69.1926% | 4,497 |
| Net loans and leases to core deposits | 70.3592% | 4,996 |
| Total domestic deposits to total assets | 89.6580% | 1,387 |
| Equity capital to assets | 9.4962% | 4,442 |
| Core capital (leverage) ratio | 9.6215% | 3,634 |
| Tier 1 risk-based capital ratio | 13.8893% | 4,148 |
| Total risk-based capital ratio | 14.9247% | 4,277 |
| Memoranda: | ||
| Average total assets | $62,951,500 | 6,097 |
| Average earning assets | $58,091,500 | 6,063 |
| Average equity | $6,056,500 | 6,226 |
| Average total loans | $42,409,500 | 5,732 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1797% | 3,703 |
| Cost of funding earning assets | 1.0464% | 5,449 |
| Net interest margin | 4.1333% | 2,435 |
| Noninterest income to average assets | 1.1887% | 1,053 |
| Noninterest expense to average assets | 3.3704% | 2,526 |
| Loan and lease loss provision to assets | 0.4277% | 3,548 |
| Net operating income to assets | 0.8969% | 2,399 |
| Return on assets (ROA) | 0.8969% | 2,535 |
| Pretax return on assets | 1.1820% | 2,286 |
| Return on Equity (ROE) | 9.4313% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.4313% | 613 |
| Net charge-offs to loans | 0.5315% | 3,496 |
| Credit loss provision to net charge-offs | 118.3486% | 3,596 |
| Earnings coverage of net charge-offs (x) | 4.4541% | 2,919 |
| Efficiency ratio | 67.6764% | 4,631 |
| Assets per employee ($millions) | 3.2102% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,162 |
| Loan loss allowance to noncurrent loans | 783.0508% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 6,822 |
| Noncurrent loans to loans | 0.1338% | 6,804 |
| Net loans and leases to total assets | 71.5476% | 2,189 |
| Net loans and leases to deposits | 80.2232% | 3,131 |
| Net loans and leases to core deposits | 82.0760% | 3,900 |
| Total domestic deposits to total assets | 89.1856% | 1,545 |
| Equity capital to assets | 9.7536% | 4,049 |
| Core capital (leverage) ratio | 9.6470% | 3,490 |
| Tier 1 risk-based capital ratio | 12.4599% | 5,061 |
| Total risk-based capital ratio | 13.4404% | 5,278 |
| Memoranda: | ||
| Average total assets | $60,319,400 | 6,181 |
| Average earning assets | $55,331,600 | 6,163 |
| Average equity | $5,736,200 | 6,451 |
| Average total loans | $41,018,400 | 5,883 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 3,859 |
| Cost of funding earning assets | 1.0791% | 5,554 |
| Net interest margin | 4.1155% | 2,549 |
| Noninterest income to average assets | 1.1305% | 1,096 |
| Noninterest expense to average assets | 3.2916% | 2,597 |
| Loan and lease loss provision to assets | 0.2217% | 4,841 |
| Net operating income to assets | 1.0331% | 2,131 |
| Return on assets (ROA) | 1.0462% | 2,191 |
| Pretax return on assets | 1.4053% | 1,865 |
| Return on Equity (ROE) | 11.0737% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.0737% | 597 |
| Net charge-offs to loans | 0.1193% | 5,359 |
| Credit loss provision to net charge-offs | 277.7778% | 1,172 |
| Earnings coverage of net charge-offs (x) | 20.1663% | 1,182 |
| Efficiency ratio | 67.1642% | 4,629 |
| Assets per employee ($millions) | 3.0528% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 5,753 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 6,371 |
| Noncurrent loans to loans | 0.5071% | 6,185 |
| Net loans and leases to total assets | 68.9739% | 2,995 |
| Net loans and leases to deposits | 77.5772% | 3,907 |
| Net loans and leases to core deposits | 79.4161% | 4,598 |
| Total domestic deposits to total assets | 88.9100% | 1,442 |
| Equity capital to assets | 9.8518% | 4,346 |
| Core capital (leverage) ratio | 9.8677% | 3,405 |
| Tier 1 risk-based capital ratio | 12.4400% | 5,040 |
| Total risk-based capital ratio | 13.4818% | 5,206 |
| Memoranda: | ||
| Average total assets | $60,151,000 | 6,263 |
| Average earning assets | $55,107,250 | 6,233 |
| Average equity | $5,683,000 | 6,542 |
| Average total loans | $40,247,750 | 5,996 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 4,538 |
| Cost of funding earning assets | 1.1124% | 5,610 |
| Net interest margin | 3.9720% | 3,150 |
| Noninterest income to average assets | 1.0927% | 1,114 |
| Noninterest expense to average assets | 3.3283% | 2,472 |
| Loan and lease loss provision to assets | 0.1671% | 5,208 |
| Net operating income to assets | 0.8889% | 2,590 |
| Return on assets (ROA) | 0.8889% | 2,714 |
| Pretax return on assets | 1.2364% | 2,301 |
| Return on Equity (ROE) | 9.5472% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.5472% | 956 |
| Net charge-offs to loans | 0.1115% | 5,044 |
| Credit loss provision to net charge-offs | 227.2727% | 1,705 |
| Earnings coverage of net charge-offs (x) | 19.0909% | 1,265 |
| Efficiency ratio | 70.3390% | 4,122 |
| Assets per employee ($millions) | 2.9442% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 5,885 |
| Loan loss allowance to noncurrent loans | 193.1330% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 6,291 |
| Noncurrent loans to loans | 0.5762% | 6,096 |
| Net loans and leases to total assets | 67.9092% | 3,385 |
| Net loans and leases to deposits | 76.0556% | 4,326 |
| Net loans and leases to core deposits | 77.4672% | 5,027 |
| Total domestic deposits to total assets | 89.2889% | 1,287 |
| Equity capital to assets | 9.7159% | 4,384 |
| Core capital (leverage) ratio | 9.3996% | 3,965 |
| Tier 1 risk-based capital ratio | 13.0786% | 4,374 |
| Total risk-based capital ratio | 14.1302% | 4,497 |
| Memoranda: | ||
| Average total assets | $59,849,670 | 6,311 |
| Average earning assets | $54,834,330 | 6,287 |
| Average equity | $5,572,330 | 6,598 |
| Average total loans | $39,464,330 | 6,069 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 5,086 |
| Cost of funding earning assets | 1.1180% | 5,812 |
| Net interest margin | 3.8663% | 3,479 |
| Noninterest income to average assets | 1.1801% | 876 |
| Noninterest expense to average assets | 3.2950% | 2,546 |
| Loan and lease loss provision to assets | 0.1657% | 4,870 |
| Net operating income to assets | 0.9414% | 2,387 |
| Return on assets (ROA) | 0.9414% | 2,452 |
| Pretax return on assets | 1.2729% | 2,129 |
| Return on Equity (ROE) | 10.3310% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.3310% | 1,078 |
| Net charge-offs to loans | -0.0308% | 7,204 |
| Credit loss provision to net charge-offs | -833.3333% | 6,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6078% | 4,396 |
| Assets per employee ($millions) | 2.9324% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 5,800 |
| Loan loss allowance to noncurrent loans | 86.5385% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.9094% | 5,339 |
| Noncurrent loans to loans | 1.3235% | 4,765 |
| Net loans and leases to total assets | 63.0741% | 4,521 |
| Net loans and leases to deposits | 70.0456% | 5,342 |
| Net loans and leases to core deposits | 71.6108% | 5,752 |
| Total domestic deposits to total assets | 90.0471% | 962 |
| Equity capital to assets | 9.0987% | 5,136 |
| Core capital (leverage) ratio | 9.2577% | 4,121 |
| Tier 1 risk-based capital ratio | 12.9547% | 4,370 |
| Total risk-based capital ratio | 14.0196% | 4,471 |
| Memoranda: | ||
| Average total assets | $60,333,000 | 6,363 |
| Average earning assets | $55,454,000 | 6,344 |
| Average equity | $5,498,000 | 6,675 |
| Average total loans | $38,978,000 | 6,169 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 5,193 |
| Cost of funding earning assets | 1.3777% | 6,026 |
| Net interest margin | 3.9180% | 3,200 |
| Noninterest income to average assets | 0.9740% | 1,654 |
| Noninterest expense to average assets | 3.4154% | 2,621 |
| Loan and lease loss provision to assets | 0.2048% | 5,706 |
| Net operating income to assets | 0.8013% | 2,536 |
| Return on assets (ROA) | 0.8013% | 2,618 |
| Pretax return on assets | 0.9847% | 2,644 |
| Return on Equity (ROE) | 8.7891% | 2,091 |
| Retained earnings to average equity (ytd only) | 6.6406% | 1,099 |
| Net charge-offs to loans | 0.2268% | 5,200 |
| Credit loss provision to net charge-offs | 136.9048% | 3,601 |
| Earnings coverage of net charge-offs (x) | 7.9524% | 2,031 |
| Efficiency ratio | 74.1686% | 3,862 |
| Assets per employee ($millions) | 2.9543% | 6,338 |
| Cash dividends to net income (ytd only)* | 24.4444% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 5,940 |
| Loan loss allowance to noncurrent loans | 161.6858% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 6,181 |
| Noncurrent loans to loans | 0.6750% | 5,886 |
| Net loans and leases to total assets | 64.7243% | 4,436 |
| Net loans and leases to deposits | 71.7101% | 5,368 |
| Net loans and leases to core deposits | 80.9187% | 6,004 |
| Total domestic deposits to total assets | 90.2583% | 856 |
| Equity capital to assets | 9.1274% | 4,945 |
| Core capital (leverage) ratio | 9.1741% | 4,161 |
| Tier 1 risk-based capital ratio | 12.7637% | 4,314 |
| Total risk-based capital ratio | 13.7716% | 4,452 |
| Memoranda: | ||
| Average total assets | $56,158,200 | 6,488 |
| Average earning assets | $52,041,400 | 6,458 |
| Average equity | $5,120,000 | 6,902 |
| Average total loans | $37,029,200 | 6,248 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3180% | 5,330 |
| Cost of funding earning assets | 1.4168% | 6,162 |
| Net interest margin | 3.9012% | 3,235 |
| Noninterest income to average assets | 0.9069% | 1,955 |
| Noninterest expense to average assets | 3.3100% | 2,874 |
| Loan and lease loss provision to assets | 0.1203% | 6,163 |
| Net operating income to assets | 0.8203% | 2,724 |
| Return on assets (ROA) | 0.8203% | 2,789 |
| Pretax return on assets | 1.1066% | 2,542 |
| Return on Equity (ROE) | 9.0000% | 2,259 |
| Retained earnings to average equity (ytd only) | 6.0967% | 1,901 |
| Net charge-offs to loans | 0.0255% | 6,525 |
| Credit loss provision to net charge-offs | 714.2857% | 524 |
| Earnings coverage of net charge-offs (x) | 72.8810% | 460 |
| Efficiency ratio | 72.9586% | 4,058 |
| Assets per employee ($millions) | 2.8872% | 6,445 |
| Cash dividends to net income (ytd only)* | 32.2571% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,361 |
| Loan loss allowance to noncurrent loans | 125.7971% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 5,809 |
| Noncurrent loans to loans | 0.9218% | 5,444 |
| Net loans and leases to total assets | 64.0621% | 4,860 |
| Net loans and leases to deposits | 71.0606% | 5,791 |
| Net loans and leases to core deposits | 79.9948% | 6,350 |
| Total domestic deposits to total assets | 90.1514% | 713 |
| Equity capital to assets | 9.2027% | 5,159 |
| Core capital (leverage) ratio | 9.5934% | 3,793 |
| Tier 1 risk-based capital ratio | 13.6902% | 3,721 |
| Total risk-based capital ratio | 14.8280% | 3,728 |
| Memoranda: | ||
| Average total assets | $55,426,250 | 6,564 |
| Average earning assets | $51,572,000 | 6,514 |
| Average equity | $5,051,750 | 6,981 |
| Average total loans | $36,620,250 | 6,307 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 5,341 |
| Cost of funding earning assets | 1.4991% | 6,145 |
| Net interest margin | 3.8631% | 3,277 |
| Noninterest income to average assets | 0.8526% | 2,171 |
| Noninterest expense to average assets | 3.3154% | 2,895 |
| Loan and lease loss provision to assets | 0.1098% | 6,058 |
| Net operating income to assets | 0.7758% | 2,952 |
| Return on assets (ROA) | 0.7758% | 3,054 |
| Pretax return on assets | 1.0393% | 2,847 |
| Return on Equity (ROE) | 8.5409% | 2,550 |
| Retained earnings to average equity (ytd only) | 4.1093% | 3,008 |
| Net charge-offs to loans | 0.0660% | 5,578 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 26.1667% | 1,094 |
| Efficiency ratio | 74.2623% | 3,997 |
| Assets per employee ($millions) | 2.8586% | 6,494 |
| Cash dividends to net income (ytd only)* | 51.8868% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,480 |
| Loan loss allowance to noncurrent loans | 116.1932% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 5,603 |
| Noncurrent loans to loans | 0.9612% | 5,301 |
| Net loans and leases to total assets | 66.6746% | 4,423 |
| Net loans and leases to deposits | 73.8137% | 5,479 |
| Net loans and leases to core deposits | 81.8743% | 6,252 |
| Total domestic deposits to total assets | 90.3283% | 694 |
| Equity capital to assets | 9.2519% | 4,935 |
| Core capital (leverage) ratio | 9.3568% | 4,085 |
| Tier 1 risk-based capital ratio | 13.7430% | 3,663 |
| Total risk-based capital ratio | 14.8466% | 3,687 |
| Memoranda: | ||
| Average total assets | $54,653,670 | 6,651 |
| Average earning assets | $51,099,000 | 6,592 |
| Average equity | $4,964,330 | 7,079 |
| Average total loans | $36,351,670 | 6,388 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4030% | 5,414 |
| Cost of funding earning assets | 1.5726% | 6,150 |
| Net interest margin | 3.8304% | 3,338 |
| Noninterest income to average assets | 0.8901% | 1,893 |
| Noninterest expense to average assets | 3.1008% | 3,376 |
| Loan and lease loss provision to assets | 0.1459% | 5,071 |
| Net operating income to assets | 0.8901% | 2,739 |
| Return on assets (ROA) | 0.8901% | 2,890 |
| Pretax return on assets | 1.2330% | 2,505 |
| Return on Equity (ROE) | 9.8906% | 2,364 |
| Retained earnings to average equity (ytd only) | 0.9728% | 5,255 |
| Net charge-offs to loans | 0.2209% | 3,315 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 9.4500% | 2,060 |
| Efficiency ratio | 69.2182% | 4,736 |
| Assets per employee ($millions) | 3.0102% | 6,126 |
| Cash dividends to net income (ytd only)* | 90.1639% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 5,570 |
| Loan loss allowance to noncurrent loans | 111.0795% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 5,350 |
| Noncurrent loans to loans | 0.9774% | 5,042 |
| Net loans and leases to total assets | 65.7476% | 4,645 |
| Net loans and leases to deposits | 72.6872% | 5,657 |
| Net loans and leases to core deposits | 79.9246% | 6,393 |
| Total domestic deposits to total assets | 90.4527% | 616 |
| Equity capital to assets | 9.1634% | 5,130 |
| Core capital (leverage) ratio | 9.3514% | 4,172 |
| Tier 1 risk-based capital ratio | 14.0062% | 3,586 |
| Total risk-based capital ratio | 15.1008% | 3,592 |
| Memoranda: | ||
| Average total assets | $54,824,000 | 6,678 |
| Average earning assets | $51,379,000 | 6,602 |
| Average equity | $4,934,000 | 7,135 |
| Average total loans | $36,216,500 | 6,432 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9006% | 6,029 |
| Cost of funding earning assets | 2.1597% | 5,779 |
| Net interest margin | 3.7409% | 4,273 |
| Noninterest income to average assets | 0.7534% | 2,760 |
| Noninterest expense to average assets | 2.7845% | 4,889 |
| Loan and lease loss provision to assets | 0.1521% | 5,417 |
| Net operating income to assets | 0.8670% | 3,142 |
| Return on assets (ROA) | 0.8858% | 2,900 |
| Pretax return on assets | 1.2688% | 2,410 |
| Return on Equity (ROE) | 10.4132% | 2,119 |
| Retained earnings to average equity (ytd only) | 5.7851% | 1,626 |
| Net charge-offs to loans | 0.1308% | 4,921 |
| Credit loss provision to net charge-offs | 188.8889% | 2,620 |
| Earnings coverage of net charge-offs (x) | 17.3111% | 1,785 |
| Efficiency ratio | 66.6381% | 4,994 |
| Assets per employee ($millions) | 3.4666% | 4,760 |
| Cash dividends to net income (ytd only)* | 44.4444% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 5,466 |
| Loan loss allowance to noncurrent loans | 136.7133% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5878% | 5,424 |
| Noncurrent loans to loans | 0.7853% | 5,073 |
| Net loans and leases to total assets | 64.9545% | 5,072 |
| Net loans and leases to deposits | 75.7427% | 5,617 |
| Net loans and leases to core deposits | 83.4983% | 6,344 |
| Total domestic deposits to total assets | 85.7568% | 2,515 |
| Equity capital to assets | 8.8398% | 5,587 |
| Core capital (leverage) ratio | 8.9870% | 4,760 |
| Tier 1 risk-based capital ratio | 13.3164% | 3,921 |
| Total risk-based capital ratio | 14.3543% | 3,963 |
| Memoranda: | ||
| Average total assets | $55,880,400 | 6,535 |
| Average earning assets | $51,164,600 | 6,544 |
| Average equity | $4,753,600 | 7,227 |
| Average total loans | $34,396,200 | 6,463 |