Home > Carson Bank > Performance and Condition Ratios
Carson 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 | 5.5420% | 2,052 |
| Cost of funding earning assets | 1.8880% | 2,495 |
| Net interest margin | 3.6540% | 1,778 |
| Noninterest income to average assets | 1.2200% | 439 |
| Noninterest expense to average assets | 3.2335% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0670% | 1,857 |
| Return on assets (ROA) | 1.0573% | 1,884 |
| Pretax return on assets | 1.3766% | 1,568 |
| Return on Equity (ROE) | 15.1700% | 902 |
| Retained earnings to average equity (ytd only) | 10.1497% | 559 |
| Net charge-offs to loans | 0.0071% | 2,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 383 |
| Efficiency ratio | 69.9553% | 1,996 |
| Assets per employee ($millions) | 4.2003% | 4,032 |
| Cash dividends to net income (ytd only)* | 33.0993% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 1,913 |
| 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 | 67.1600% | 2,243 |
| Net loans and leases to deposits | 72.8328% | 2,744 |
| Net loans and leases to core deposits | 102.3463% | 1,315 |
| Total domestic deposits to total assets | 92.2100% | 263 |
| Equity capital to assets | 7.2656% | 3,866 |
| Core capital (leverage) ratio | 7.7694% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4778% | 2,394 |
| Memoranda: | ||
| Average total assets | $188,586,600 | 3,064 |
| Average earning assets | $175,424,400 | 3,048 |
| Average equity | $13,143,200 | 3,501 |
| Average total loans | $126,255,600 | 2,939 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4294% | 2,222 |
| Cost of funding earning assets | 1.9254% | 2,403 |
| Net interest margin | 3.5040% | 2,015 |
| Noninterest income to average assets | 1.2800% | 412 |
| Noninterest expense to average assets | 3.2370% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0039% | 2,042 |
| Return on assets (ROA) | 1.0257% | 1,974 |
| Pretax return on assets | 1.3327% | 1,679 |
| Return on Equity (ROE) | 14.8800% | 979 |
| Retained earnings to average equity (ytd only) | 9.7978% | 894 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.2662% | 1,870 |
| Assets per employee ($millions) | 4.5140% | 3,932 |
| Cash dividends to net income (ytd only)* | 34.1379% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 1,782 |
| 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 | 65.4600% | 2,377 |
| Net loans and leases to deposits | 75.8905% | 2,530 |
| Net loans and leases to core deposits | 107.0145% | 1,079 |
| Total domestic deposits to total assets | 86.2600% | 1,841 |
| Equity capital to assets | 7.3622% | 4,021 |
| Core capital (leverage) ratio | 7.7894% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4402% | 2,423 |
| Memoranda: | ||
| Average total assets | $188,480,000 | 3,069 |
| Average earning assets | $175,263,250 | 3,061 |
| Average equity | $12,995,750 | 3,526 |
| Average total loans | $125,684,750 | 2,939 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 2,315 |
| Cost of funding earning assets | 1.9088% | 2,342 |
| Net interest margin | 3.4153% | 2,137 |
| Noninterest income to average assets | 1.3700% | 390 |
| Noninterest expense to average assets | 3.1822% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1079% | 1,700 |
| Return on assets (ROA) | 1.1164% | 1,677 |
| Pretax return on assets | 1.3875% | 1,508 |
| Return on Equity (ROE) | 16.5700% | 755 |
| Retained earnings to average equity (ytd only) | 11.3609% | 630 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 69.7994% | 2,143 |
| Assets per employee ($millions) | 4.3381% | 3,988 |
| Cash dividends to net income (ytd only)* | 31.4286% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 1,847 |
| 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 | 65.5000% | 2,400 |
| Net loans and leases to deposits | 74.7979% | 2,635 |
| Net loans and leases to core deposits | 99.4242% | 1,517 |
| Total domestic deposits to total assets | 87.5700% | 1,463 |
| Equity capital to assets | 6.7961% | 4,017 |
| Core capital (leverage) ratio | 7.6839% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7847% | 2,629 |
| Memoranda: | ||
| Average total assets | $188,110,333 | 3,074 |
| Average earning assets | $175,505,333 | 3,061 |
| Average equity | $12,675,000 | 3,533 |
| Average total loans | $125,671,667 | 2,940 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 2,193 |
| Cost of funding earning assets | 1.9465% | 2,128 |
| Net interest margin | 3.3523% | 2,227 |
| Noninterest income to average assets | 1.6400% | 305 |
| Noninterest expense to average assets | 3.0976% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.3286% | 1,189 |
| Return on assets (ROA) | 1.3303% | 1,195 |
| Pretax return on assets | 1.6666% | 1,005 |
| Return on Equity (ROE) | 19.8300% | 449 |
| Retained earnings to average equity (ytd only) | 14.5611% | 459 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 65.0472% | 2,678 |
| Assets per employee ($millions) | 4.3312% | 4,029 |
| Cash dividends to net income (ytd only)* | 26.5700% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 1,820 |
| 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 | 66.5800% | 2,178 |
| Net loans and leases to deposits | 75.1511% | 2,504 |
| Net loans and leases to core deposits | 100.4285% | 1,391 |
| Total domestic deposits to total assets | 88.5900% | 1,229 |
| Equity capital to assets | 6.8186% | 3,974 |
| Core capital (leverage) ratio | 7.5351% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2919% | 2,500 |
| Memoranda: | ||
| Average total assets | $186,728,000 | 3,089 |
| Average earning assets | $173,851,000 | 3,079 |
| Average equity | $12,526,500 | 3,556 |
| Average total loans | $125,188,000 | 2,947 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 2,744 |
| Cost of funding earning assets | 1.1610% | 2,909 |
| Net interest margin | 3.5086% | 2,162 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 3.2013% | 831 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8444% | 2,726 |
| Return on assets (ROA) | 0.6525% | 3,286 |
| Pretax return on assets | 0.8744% | 3,029 |
| Return on Equity (ROE) | 10.2600% | 2,417 |
| Retained earnings to average equity (ytd only) | 4.5318% | 2,778 |
| Net charge-offs to loans | -0.0061% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.9668% | 1,466 |
| Assets per employee ($millions) | 4.2549% | 4,059 |
| Cash dividends to net income (ytd only)* | 55.8376% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 1,791 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,002 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.7800% | 2,279 |
| Net loans and leases to deposits | 78.4067% | 2,234 |
| Net loans and leases to core deposits | 105.2067% | 1,151 |
| Total domestic deposits to total assets | 83.9000% | 2,653 |
| Equity capital to assets | 6.5988% | 4,080 |
| Core capital (leverage) ratio | 7.2779% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5630% | 2,702 |
| Memoranda: | ||
| Average total assets | $181,145,000 | 3,117 |
| Average earning assets | $168,299,600 | 3,111 |
| Average equity | $11,518,600 | 3,574 |
| Average total loans | $115,523,200 | 2,996 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 2,851 |
| Cost of funding earning assets | 0.9189% | 3,227 |
| Net interest margin | 3.6079% | 1,990 |
| Noninterest income to average assets | 1.1400% | 533 |
| Noninterest expense to average assets | 3.2333% | 782 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9599% | 2,484 |
| Return on assets (ROA) | 0.9746% | 2,430 |
| Pretax return on assets | 1.2648% | 2,131 |
| Return on Equity (ROE) | 15.4800% | 1,353 |
| Retained earnings to average equity (ytd only) | 9.6434% | 1,509 |
| Net charge-offs to loans | -0.0082% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.9762% | 1,572 |
| Assets per employee ($millions) | 4.4558% | 3,970 |
| Cash dividends to net income (ytd only)* | 37.6999% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 1,678 |
| Loan loss allowance to noncurrent loans | 1,091.2162% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,068 |
| Noncurrent loans to loans | 0.1231% | 2,940 |
| Net loans and leases to total assets | 63.3700% | 2,521 |
| Net loans and leases to deposits | 76.3596% | 2,386 |
| Net loans and leases to core deposits | 99.2800% | 1,359 |
| Total domestic deposits to total assets | 82.9900% | 3,020 |
| Equity capital to assets | 6.0168% | 3,980 |
| Core capital (leverage) ratio | 7.5888% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8782% | 2,647 |
| Memoranda: | ||
| Average total assets | $179,627,500 | 3,138 |
| Average earning assets | $167,000,000 | 3,129 |
| Average equity | $11,309,750 | 3,593 |
| Average total loans | $113,211,500 | 3,022 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 2,781 |
| Cost of funding earning assets | 0.5792% | 3,810 |
| Net interest margin | 3.8669% | 1,495 |
| Noninterest income to average assets | 1.1800% | 453 |
| Noninterest expense to average assets | 3.2305% | 762 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1899% | 1,853 |
| Return on assets (ROA) | 1.2105% | 1,792 |
| Pretax return on assets | 1.5492% | 1,500 |
| Return on Equity (ROE) | 18.9300% | 839 |
| Retained earnings to average equity (ytd only) | 12.1310% | 956 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6839% | 2,018 |
| Assets per employee ($millions) | 4.4365% | 3,989 |
| Cash dividends to net income (ytd only)* | 35.9142% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 1,594 |
| Loan loss allowance to noncurrent loans | 1,086.4865% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 2,966 |
| Noncurrent loans to loans | 0.1272% | 2,835 |
| Net loans and leases to total assets | 63.0600% | 2,477 |
| Net loans and leases to deposits | 73.6279% | 2,529 |
| Net loans and leases to core deposits | 83.3388% | 2,248 |
| Total domestic deposits to total assets | 85.6500% | 2,348 |
| Equity capital to assets | 6.4213% | 4,026 |
| Core capital (leverage) ratio | 7.6500% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0704% | 2,607 |
| Memoranda: | ||
| Average total assets | $177,122,667 | 3,165 |
| Average earning assets | $164,370,333 | 3,162 |
| Average equity | $11,326,333 | 3,600 |
| Average total loans | $110,881,000 | 3,047 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 2,873 |
| Cost of funding earning assets | 0.3062% | 4,181 |
| Net interest margin | 3.9655% | 1,337 |
| Noninterest income to average assets | 1.2400% | 424 |
| Noninterest expense to average assets | 3.1682% | 840 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3470% | 1,555 |
| Return on assets (ROA) | 1.3506% | 1,514 |
| Pretax return on assets | 1.7146% | 1,247 |
| Return on Equity (ROE) | 21.1700% | 648 |
| Retained earnings to average equity (ytd only) | 13.0948% | 1,075 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.4320% | 2,400 |
| Assets per employee ($millions) | 4.4535% | 4,048 |
| Cash dividends to net income (ytd only)* | 38.1356% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,455 |
| Loan loss allowance to noncurrent loans | 1,086.4865% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 2,970 |
| Noncurrent loans to loans | 0.1327% | 2,848 |
| Net loans and leases to total assets | 61.6900% | 2,491 |
| Net loans and leases to deposits | 68.4180% | 2,736 |
| Net loans and leases to core deposits | 77.4159% | 2,433 |
| Total domestic deposits to total assets | 90.1700% | 1,098 |
| Equity capital to assets | 6.4759% | 4,036 |
| Core capital (leverage) ratio | 7.6945% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1643% | 2,674 |
| Memoranda: | ||
| Average total assets | $174,736,500 | 3,222 |
| Average earning assets | $161,998,500 | 3,219 |
| Average equity | $11,149,500 | 3,661 |
| Average total loans | $108,162,500 | 3,113 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 3,083 |
| Cost of funding earning assets | 0.2236% | 3,567 |
| Net interest margin | 3.2727% | 2,640 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.0900% | 848 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6126% | 3,855 |
| Return on assets (ROA) | 0.6103% | 3,807 |
| Pretax return on assets | 0.9167% | 3,307 |
| Return on Equity (ROE) | 9.6000% | 2,943 |
| Retained earnings to average equity (ytd only) | 5.8507% | 2,696 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.9646% | 1,013 |
| Assets per employee ($millions) | 4.0794% | 4,253 |
| Cash dividends to net income (ytd only)* | 39.0476% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,153 |
| 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 | 60.2500% | 2,612 |
| Net loans and leases to deposits | 65.2720% | 2,934 |
| Net loans and leases to core deposits | 73.0436% | 2,648 |
| Total domestic deposits to total assets | 92.3100% | 559 |
| Equity capital to assets | 6.2818% | 3,984 |
| Core capital (leverage) ratio | 7.6171% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3472% | 2,631 |
| Memoranda: | ||
| Average total assets | $172,036,600 | 3,255 |
| Average earning assets | $160,571,600 | 3,237 |
| Average equity | $10,938,800 | 3,765 |
| Average total loans | $97,307,400 | 3,189 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2919% | 3,199 |
| Cost of funding earning assets | 0.2145% | 3,095 |
| Net interest margin | 3.0773% | 2,995 |
| Noninterest income to average assets | 1.0400% | 625 |
| Noninterest expense to average assets | 3.0884% | 806 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.5524% | 3,964 |
| Return on assets (ROA) | 0.5303% | 3,952 |
| Pretax return on assets | 0.7324% | 3,732 |
| Return on Equity (ROE) | 8.3200% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.7665% | 2,832 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.9120% | 844 |
| Assets per employee ($millions) | 4.2028% | 4,218 |
| Cash dividends to net income (ytd only)* | 30.6569% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 1,016 |
| 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 | 55.2100% | 2,983 |
| Net loans and leases to deposits | 58.7349% | 3,293 |
| Net loans and leases to core deposits | 65.2832% | 3,000 |
| Total domestic deposits to total assets | 93.9900% | 359 |
| Equity capital to assets | 5.7709% | 4,052 |
| Core capital (leverage) ratio | 7.8434% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6454% | 2,205 |
| Memoranda: | ||
| Average total assets | $172,212,000 | 3,279 |
| Average earning assets | $160,958,750 | 3,262 |
| Average equity | $10,982,750 | 3,812 |
| Average total loans | $95,428,750 | 3,231 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1040% | 3,296 |
| Cost of funding earning assets | 0.1992% | 2,921 |
| Net interest margin | 2.9048% | 3,154 |
| Noninterest income to average assets | 1.0431% | 610 |
| Noninterest expense to average assets | 3.0259% | 816 |
| Loan and lease loss provision to assets | 0.0581% | 1,543 |
| Net operating income to assets | 0.4965% | 3,902 |
| Return on assets (ROA) | 0.4635% | 3,929 |
| Pretax return on assets | 0.6447% | 3,727 |
| Return on Equity (ROE) | 7.0439% | 3,303 |
| Retained earnings to average equity (ytd only) | 3.3366% | 3,331 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2526% | 925 |
| Assets per employee ($millions) | 4.4387% | 4,128 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 1,141 |
| 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 | 53.2727% | 3,038 |
| Net loans and leases to deposits | 56.7414% | 3,323 |
| Net loans and leases to core deposits | 62.9670% | 3,029 |
| Total domestic deposits to total assets | 93.8867% | 302 |
| Equity capital to assets | 5.9111% | 4,227 |
| Core capital (leverage) ratio | 7.2771% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1450% | 2,774 |
| Memoranda: | ||
| Average total assets | $172,178,000 | 3,314 |
| Average earning assets | $161,661,667 | 3,302 |
| Average equity | $11,329,000 | 3,849 |
| Average total loans | $95,003,333 | 3,252 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0951% | 2,992 |
| Cost of funding earning assets | 0.1787% | 3,102 |
| Net interest margin | 2.9165% | 2,780 |
| Noninterest income to average assets | 0.9733% | 718 |
| Noninterest expense to average assets | 3.0664% | 726 |
| Loan and lease loss provision to assets | 0.0591% | 1,345 |
| Net operating income to assets | 0.4370% | 3,881 |
| Return on assets (ROA) | 0.4370% | 3,843 |
| Pretax return on assets | 0.5859% | 3,674 |
| Return on Equity (ROE) | 6.3947% | 3,220 |
| Retained earnings to average equity (ytd only) | 0.8642% | 3,854 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6225% | 940 |
| Assets per employee ($millions) | 4.3355% | 4,233 |
| Cash dividends to net income (ytd only)* | 86.4865% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,265 |
| 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 | 53.6749% | 2,802 |
| Net loans and leases to deposits | 57.3508% | 3,140 |
| Net loans and leases to core deposits | 63.9488% | 2,797 |
| Total domestic deposits to total assets | 93.5906% | 156 |
| Equity capital to assets | 6.2006% | 4,531 |
| Core capital (leverage) ratio | 7.1397% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5016% | 2,772 |
| Memoranda: | ||
| Average total assets | $169,319,500 | 3,355 |
| Average earning assets | $158,960,000 | 3,339 |
| Average equity | $11,572,000 | 3,901 |
| Average total loans | $94,442,000 | 3,269 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 1,615 |
| Cost of funding earning assets | 0.1826% | 3,631 |
| Net interest margin | 3.7168% | 1,174 |
| Noninterest income to average assets | 0.9930% | 1,016 |
| Noninterest expense to average assets | 3.2442% | 681 |
| Loan and lease loss provision to assets | 0.0636% | 1,800 |
| Net operating income to assets | 0.9948% | 2,697 |
| Return on assets (ROA) | 1.0407% | 2,589 |
| Pretax return on assets | 1.2073% | 2,640 |
| Return on Equity (ROE) | 13.4906% | 1,311 |
| Retained earnings to average equity (ytd only) | 10.3178% | 839 |
| Net charge-offs to loans | 0.0084% | 2,267 |
| Credit loss provision to net charge-offs | 1,250.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 239.3750% | 482 |
| Efficiency ratio | 72.7130% | 1,434 |
| Assets per employee ($millions) | 4.1305% | 4,369 |
| Cash dividends to net income (ytd only)* | 23.5186% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,299 |
| 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 | 56.1642% | 2,585 |
| Net loans and leases to deposits | 60.8161% | 3,003 |
| Net loans and leases to core deposits | 68.3120% | 2,619 |
| Total domestic deposits to total assets | 92.3509% | 110 |
| Equity capital to assets | 7.4997% | 4,589 |
| Core capital (leverage) ratio | 7.3748% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8497% | 2,689 |
| Memoranda: | ||
| Average total assets | $157,296,000 | 3,420 |
| Average earning assets | $146,791,200 | 3,407 |
| Average equity | $12,134,400 | 3,920 |
| Average total loans | $95,013,800 | 3,262 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 1,389 |
| Cost of funding earning assets | 0.1848% | 3,766 |
| Net interest margin | 3.8800% | 978 |
| Noninterest income to average assets | 1.0447% | 993 |
| Noninterest expense to average assets | 3.2398% | 667 |
| Loan and lease loss provision to assets | 0.0644% | 1,711 |
| Net operating income to assets | 1.2106% | 2,133 |
| Return on assets (ROA) | 1.2748% | 1,962 |
| Pretax return on assets | 1.4353% | 2,193 |
| Return on Equity (ROE) | 16.4036% | 866 |
| Retained earnings to average equity (ytd only) | 12.1508% | 808 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4133% | 1,667 |
| Assets per employee ($millions) | 4.0021% | 4,454 |
| Cash dividends to net income (ytd only)* | 25.9259% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 1,445 |
| Loan loss allowance to noncurrent loans | 8,670.5882% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,163 |
| Noncurrent loans to loans | 0.0179% | 4,067 |
| Net loans and leases to total assets | 56.8268% | 2,635 |
| Net loans and leases to deposits | 61.6217% | 3,081 |
| Net loans and leases to core deposits | 69.1546% | 2,669 |
| Total domestic deposits to total assets | 92.2188% | 90 |
| Equity capital to assets | 7.5715% | 4,687 |
| Core capital (leverage) ratio | 7.3430% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9232% | 2,736 |
| Memoranda: | ||
| Average total assets | $155,314,750 | 3,471 |
| Average earning assets | $145,013,250 | 3,462 |
| Average equity | $12,070,250 | 3,976 |
| Average total loans | $95,195,750 | 3,304 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 787 |
| Cost of funding earning assets | 0.1943% | 3,813 |
| Net interest margin | 4.2537% | 533 |
| Noninterest income to average assets | 1.0998% | 928 |
| Noninterest expense to average assets | 3.3427% | 583 |
| Loan and lease loss provision to assets | 0.0656% | 1,732 |
| Net operating income to assets | 1.5216% | 1,240 |
| Return on assets (ROA) | 1.5723% | 1,172 |
| Pretax return on assets | 1.7114% | 1,454 |
| Return on Equity (ROE) | 20.0463% | 453 |
| Retained earnings to average equity (ytd only) | 13.6040% | 615 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0016% | 2,154 |
| Assets per employee ($millions) | 3.7545% | 4,579 |
| Cash dividends to net income (ytd only)* | 32.1369% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 1,448 |
| Loan loss allowance to noncurrent loans | 6,900.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 4,210 |
| Noncurrent loans to loans | 0.0223% | 4,110 |
| Net loans and leases to total assets | 56.0034% | 2,898 |
| Net loans and leases to deposits | 60.6275% | 3,333 |
| Net loans and leases to core deposits | 68.1083% | 2,953 |
| Total domestic deposits to total assets | 92.3728% | 74 |
| Equity capital to assets | 7.4099% | 4,763 |
| Core capital (leverage) ratio | 7.4465% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0662% | 2,701 |
| Memoranda: | ||
| Average total assets | $152,390,333 | 3,509 |
| Average earning assets | $142,040,333 | 3,492 |
| Average equity | $11,952,333 | 3,994 |
| Average total loans | $95,354,333 | 3,317 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 317 |
| Cost of funding earning assets | 0.2186% | 3,734 |
| Net interest margin | 4.8487% | 227 |
| Noninterest income to average assets | 1.0933% | 990 |
| Noninterest expense to average assets | 3.4743% | 486 |
| Loan and lease loss provision to assets | 0.0685% | 1,780 |
| Net operating income to assets | 2.0797% | 511 |
| Return on assets (ROA) | 2.1947% | 460 |
| Pretax return on assets | 2.1619% | 732 |
| Return on Equity (ROE) | 27.1341% | 202 |
| Retained earnings to average equity (ytd only) | 14.0921% | 746 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1569% | 2,729 |
| Assets per employee ($millions) | 3.6026% | 4,655 |
| Cash dividends to net income (ytd only)* | 48.0649% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 1,685 |
| Loan loss allowance to noncurrent loans | 5,274.0741% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 4,252 |
| Noncurrent loans to loans | 0.0280% | 4,150 |
| Net loans and leases to total assets | 61.3176% | 2,359 |
| Net loans and leases to deposits | 66.6463% | 2,844 |
| Net loans and leases to core deposits | 75.6854% | 2,380 |
| Total domestic deposits to total assets | 92.0045% | 144 |
| Equity capital to assets | 7.6753% | 4,646 |
| Core capital (leverage) ratio | 7.7518% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0564% | 2,645 |
| Memoranda: | ||
| Average total assets | $145,986,000 | 3,566 |
| Average earning assets | $135,377,000 | 3,570 |
| Average equity | $11,808,000 | 4,018 |
| Average total loans | $96,048,500 | 3,322 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 667 |
| Cost of funding earning assets | 0.3921% | 3,627 |
| Net interest margin | 4.4602% | 353 |
| Noninterest income to average assets | 1.1288% | 837 |
| Noninterest expense to average assets | 3.8740% | 423 |
| Loan and lease loss provision to assets | 0.2109% | 1,865 |
| Net operating income to assets | 1.1287% | 1,806 |
| Return on assets (ROA) | 1.1445% | 1,873 |
| Pretax return on assets | 1.1953% | 2,342 |
| Return on Equity (ROE) | 13.7038% | 885 |
| Retained earnings to average equity (ytd only) | 10.5868% | 481 |
| Net charge-offs to loans | -0.2248% | 4,908 |
| Credit loss provision to net charge-offs | -133.0189% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5967% | 1,495 |
| Assets per employee ($millions) | 3.1150% | 4,788 |
| Cash dividends to net income (ytd only)* | 22.7451% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,725 |
| Loan loss allowance to noncurrent loans | 5,829.1667% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,312 |
| Noncurrent loans to loans | 0.0251% | 4,227 |
| Net loans and leases to total assets | 68.7915% | 1,720 |
| Net loans and leases to deposits | 77.5447% | 2,119 |
| Net loans and leases to core deposits | 89.8380% | 1,535 |
| Total domestic deposits to total assets | 88.7122% | 1,117 |
| Equity capital to assets | 8.5554% | 4,410 |
| Core capital (leverage) ratio | 8.0099% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9326% | 2,654 |
| Memoranda: | ||
| Average total assets | $133,687,400 | 3,577 |
| Average earning assets | $123,941,400 | 3,582 |
| Average equity | $11,164,800 | 4,058 |
| Average total loans | $94,294,800 | 3,334 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0193% | 582 |
| Cost of funding earning assets | 0.4223% | 3,687 |
| Net interest margin | 4.5970% | 308 |
| Noninterest income to average assets | 1.2395% | 712 |
| Noninterest expense to average assets | 3.8962% | 413 |
| Loan and lease loss provision to assets | 0.2582% | 1,571 |
| Net operating income to assets | 1.2928% | 1,373 |
| Return on assets (ROA) | 1.3138% | 1,412 |
| Pretax return on assets | 1.3790% | 1,797 |
| Return on Equity (ROE) | 15.8310% | 568 |
| Retained earnings to average equity (ytd only) | 13.6662% | 270 |
| Net charge-offs to loans | -0.4953% | 4,974 |
| Credit loss provision to net charge-offs | -73.6390% | 3,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6975% | 1,791 |
| Assets per employee ($millions) | 3.4398% | 4,686 |
| Cash dividends to net income (ytd only)* | 13.6746% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,426 |
| Loan loss allowance to noncurrent loans | 729.9517% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 3,682 |
| Noncurrent loans to loans | 0.2038% | 3,570 |
| Net loans and leases to total assets | 70.9665% | 1,822 |
| Net loans and leases to deposits | 86.2065% | 1,673 |
| Net loans and leases to core deposits | 100.3389% | 1,139 |
| Total domestic deposits to total assets | 82.3215% | 3,335 |
| Equity capital to assets | 8.2911% | 4,580 |
| Core capital (leverage) ratio | 8.2585% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3628% | 2,472 |
| Memoranda: | ||
| Average total assets | $132,844,500 | 3,579 |
| Average earning assets | $123,440,750 | 3,573 |
| Average equity | $11,024,500 | 4,080 |
| Average total loans | $93,947,500 | 3,351 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 386 |
| Cost of funding earning assets | 0.4819% | 3,645 |
| Net interest margin | 4.9382% | 225 |
| Noninterest income to average assets | 1.3772% | 546 |
| Noninterest expense to average assets | 4.0103% | 401 |
| Loan and lease loss provision to assets | 0.0769% | 3,333 |
| Net operating income to assets | 1.7921% | 508 |
| Return on assets (ROA) | 1.8245% | 525 |
| Pretax return on assets | 1.9075% | 665 |
| Return on Equity (ROE) | 21.9781% | 167 |
| Retained earnings to average equity (ytd only) | 18.6638% | 109 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2769% | 2,337 |
| Assets per employee ($millions) | 3.4407% | 4,692 |
| Cash dividends to net income (ytd only)* | 15.0800% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 3,811 |
| Loan loss allowance to noncurrent loans | 2,220.9302% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 3,751 |
| Noncurrent loans to loans | 0.0427% | 4,310 |
| Net loans and leases to total assets | 69.0979% | 2,172 |
| Net loans and leases to deposits | 83.2519% | 2,068 |
| Net loans and leases to core deposits | 95.8347% | 1,591 |
| Total domestic deposits to total assets | 82.9985% | 3,085 |
| Equity capital to assets | 8.0022% | 4,716 |
| Core capital (leverage) ratio | 7.8667% | 4,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6970% | 2,732 |
| Memoranda: | ||
| Average total assets | $130,116,000 | 3,595 |
| Average earning assets | $120,772,000 | 3,592 |
| Average equity | $10,801,667 | 4,117 |
| Average total loans | $91,398,333 | 3,390 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 1,826 |
| Cost of funding earning assets | 0.5800% | 3,532 |
| Net interest margin | 4.0773% | 1,185 |
| Noninterest income to average assets | 1.2236% | 588 |
| Noninterest expense to average assets | 3.9961% | 513 |
| Loan and lease loss provision to assets | 0.0814% | 2,684 |
| Net operating income to assets | 0.9372% | 2,387 |
| Return on assets (ROA) | 0.9372% | 2,497 |
| Pretax return on assets | 0.9209% | 3,078 |
| Return on Equity (ROE) | 11.0551% | 1,392 |
| Retained earnings to average equity (ytd only) | 7.4852% | 1,381 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9479% | 1,142 |
| Assets per employee ($millions) | 2.8673% | 4,845 |
| Cash dividends to net income (ytd only)* | 32.2917% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,380 |
| Loan loss allowance to noncurrent loans | 2,021.7391% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 3,760 |
| Noncurrent loans to loans | 0.0526% | 4,340 |
| Net loans and leases to total assets | 70.1085% | 2,231 |
| Net loans and leases to deposits | 78.7309% | 2,810 |
| Net loans and leases to core deposits | 95.5023% | 1,841 |
| Total domestic deposits to total assets | 89.0483% | 642 |
| Equity capital to assets | 8.6661% | 4,761 |
| Core capital (leverage) ratio | 8.0337% | 4,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5196% | 2,920 |
| Memoranda: | ||
| Average total assets | $122,918,500 | 3,664 |
| Average earning assets | $113,799,500 | 3,648 |
| Average equity | $10,420,500 | 4,191 |
| Average total loans | $86,693,000 | 3,466 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 2,819 |
| Cost of funding earning assets | 0.6268% | 3,526 |
| Net interest margin | 3.9109% | 2,136 |
| Noninterest income to average assets | 1.1203% | 753 |
| Noninterest expense to average assets | 3.7194% | 747 |
| Loan and lease loss provision to assets | 0.1397% | 1,525 |
| Net operating income to assets | 0.8458% | 3,401 |
| Return on assets (ROA) | 0.8458% | 3,492 |
| Pretax return on assets | 0.8770% | 3,804 |
| Return on Equity (ROE) | 10.6190% | 2,042 |
| Retained earnings to average equity (ytd only) | 5.8410% | 1,954 |
| Net charge-offs to loans | 0.2224% | 918 |
| Credit loss provision to net charge-offs | 91.8919% | 2,630 |
| Earnings coverage of net charge-offs (x) | 6.6865% | 2,948 |
| Efficiency ratio | 78.5318% | 1,089 |
| Assets per employee ($millions) | 2.9176% | 4,858 |
| Cash dividends to net income (ytd only)* | 44.9951% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,203 |
| Loan loss allowance to noncurrent loans | 1,016.8539% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 3,579 |
| Noncurrent loans to loans | 0.1035% | 4,107 |
| Net loans and leases to total assets | 69.4543% | 2,487 |
| Net loans and leases to deposits | 83.7664% | 2,358 |
| Net loans and leases to core deposits | 104.5064% | 1,198 |
| Total domestic deposits to total assets | 82.9143% | 3,225 |
| Equity capital to assets | 8.2878% | 4,983 |
| Core capital (leverage) ratio | 8.0896% | 5,011 |
| Tier 1 risk-based capital ratio | 11.2051% | 4,770 |
| Total risk-based capital ratio | 12.2353% | 4,767 |
| Memoranda: | ||
| Average total assets | $121,659,000 | 3,674 |
| Average earning assets | $112,479,800 | 3,670 |
| Average equity | $9,690,200 | 4,281 |
| Average total loans | $83,174,200 | 3,538 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 3,104 |
| Cost of funding earning assets | 0.6118% | 3,639 |
| Net interest margin | 3.8741% | 2,351 |
| Noninterest income to average assets | 1.1462% | 696 |
| Noninterest expense to average assets | 3.6473% | 800 |
| Loan and lease loss provision to assets | 0.0823% | 2,262 |
| Net operating income to assets | 0.9684% | 3,090 |
| Return on assets (ROA) | 0.9684% | 3,169 |
| Pretax return on assets | 0.9969% | 3,609 |
| Return on Equity (ROE) | 12.2833% | 1,520 |
| Retained earnings to average equity (ytd only) | 7.7432% | 1,520 |
| Net charge-offs to loans | 0.2991% | 584 |
| Credit loss provision to net charge-offs | 40.5405% | 2,853 |
| Earnings coverage of net charge-offs (x) | 5.3135% | 2,930 |
| Efficiency ratio | 77.1661% | 1,197 |
| Assets per employee ($millions) | 2.9843% | 4,903 |
| Cash dividends to net income (ytd only)* | 36.9618% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,747 |
| Loan loss allowance to noncurrent loans | 890.1099% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 3,692 |
| Noncurrent loans to loans | 0.1087% | 4,158 |
| Net loans and leases to total assets | 67.7308% | 2,828 |
| Net loans and leases to deposits | 77.1826% | 3,183 |
| Net loans and leases to core deposits | 95.5012% | 2,041 |
| Total domestic deposits to total assets | 87.7540% | 1,144 |
| Equity capital to assets | 8.2610% | 5,077 |
| Core capital (leverage) ratio | 7.9493% | 5,129 |
| Tier 1 risk-based capital ratio | 11.4401% | 4,700 |
| Total risk-based capital ratio | 12.3851% | 4,734 |
| Memoranda: | ||
| Average total assets | $121,438,500 | 3,709 |
| Average earning assets | $112,230,250 | 3,709 |
| Average equity | $9,573,750 | 4,343 |
| Average total loans | $82,464,000 | 3,590 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 3,309 |
| Cost of funding earning assets | 0.5946% | 3,676 |
| Net interest margin | 3.8138% | 2,540 |
| Noninterest income to average assets | 1.1921% | 601 |
| Noninterest expense to average assets | 3.6473% | 806 |
| Loan and lease loss provision to assets | 0.0826% | 2,191 |
| Net operating income to assets | 0.9725% | 3,016 |
| Return on assets (ROA) | 0.9725% | 3,091 |
| Pretax return on assets | 0.9890% | 3,585 |
| Return on Equity (ROE) | 12.5377% | 1,392 |
| Retained earnings to average equity (ytd only) | 8.8977% | 1,060 |
| Net charge-offs to loans | 0.4143% | 404 |
| Credit loss provision to net charge-offs | 29.4118% | 2,605 |
| Earnings coverage of net charge-offs (x) | 3.8176% | 2,794 |
| Efficiency ratio | 77.2918% | 1,237 |
| Assets per employee ($millions) | 3.2751% | 4,718 |
| Cash dividends to net income (ytd only)* | 29.0323% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 4,019 |
| Loan loss allowance to noncurrent loans | 720.7207% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 3,633 |
| Noncurrent loans to loans | 0.1275% | 4,104 |
| Net loans and leases to total assets | 69.3341% | 2,625 |
| Net loans and leases to deposits | 77.7014% | 3,172 |
| Net loans and leases to core deposits | 94.5892% | 2,193 |
| Total domestic deposits to total assets | 89.2314% | 579 |
| Equity capital to assets | 7.9620% | 5,180 |
| Core capital (leverage) ratio | 8.0364% | 5,155 |
| Tier 1 risk-based capital ratio | 11.3925% | 4,738 |
| Total risk-based capital ratio | 12.3323% | 4,785 |
| Memoranda: | ||
| Average total assets | $121,132,000 | 3,743 |
| Average earning assets | $112,015,670 | 3,739 |
| Average equity | $9,395,670 | 4,382 |
| Average total loans | $82,057,330 | 3,619 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 3,405 |
| Cost of funding earning assets | 0.5907% | 3,627 |
| Net interest margin | 3.7580% | 2,676 |
| Noninterest income to average assets | 1.1450% | 615 |
| Noninterest expense to average assets | 3.7733% | 675 |
| Loan and lease loss provision to assets | 0.0837% | 2,030 |
| Net operating income to assets | 0.7901% | 3,659 |
| Return on assets (ROA) | 0.7901% | 3,705 |
| Pretax return on assets | 0.7600% | 4,149 |
| Return on Equity (ROE) | 10.3294% | 2,231 |
| Retained earnings to average equity (ytd only) | 8.1409% | 1,608 |
| Net charge-offs to loans | -0.0050% | 4,029 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7259% | 897 |
| Assets per employee ($millions) | 2.9762% | 4,991 |
| Cash dividends to net income (ytd only)* | 21.1864% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,578 |
| Loan loss allowance to noncurrent loans | 215.0000% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 3,116 |
| Noncurrent loans to loans | 0.5579% | 2,651 |
| Net loans and leases to total assets | 65.4593% | 3,120 |
| Net loans and leases to deposits | 73.2557% | 3,511 |
| Net loans and leases to core deposits | 85.5383% | 2,907 |
| Total domestic deposits to total assets | 89.3572% | 707 |
| Equity capital to assets | 7.8699% | 5,209 |
| Core capital (leverage) ratio | 7.9542% | 5,216 |
| Tier 1 risk-based capital ratio | 12.3026% | 4,297 |
| Total risk-based capital ratio | 13.5302% | 4,168 |
| Memoranda: | ||
| Average total assets | $119,471,000 | 3,814 |
| Average earning assets | $110,378,500 | 3,808 |
| Average equity | $9,139,000 | 4,444 |
| Average total loans | $79,541,500 | 3,702 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 3,395 |
| Cost of funding earning assets | 0.4803% | 3,476 |
| Net interest margin | 3.7350% | 2,922 |
| Noninterest income to average assets | 1.1010% | 765 |
| Noninterest expense to average assets | 3.8025% | 682 |
| Loan and lease loss provision to assets | 0.1615% | 1,266 |
| Net operating income to assets | 0.5777% | 4,476 |
| Return on assets (ROA) | 0.5618% | 4,521 |
| Pretax return on assets | 0.5677% | 4,689 |
| Return on Equity (ROE) | 7.6472% | 3,598 |
| Retained earnings to average equity (ytd only) | 4.6708% | 2,948 |
| Net charge-offs to loans | 0.4190% | 437 |
| Credit loss provision to net charge-offs | 58.8957% | 3,114 |
| Earnings coverage of net charge-offs (x) | 2.7178% | 3,493 |
| Efficiency ratio | 83.6138% | 678 |
| Assets per employee ($millions) | 2.9242% | 5,033 |
| Cash dividends to net income (ytd only)* | 38.9222% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 2,842 |
| Loan loss allowance to noncurrent loans | 211.4943% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 3,099 |
| Noncurrent loans to loans | 0.5423% | 2,648 |
| Net loans and leases to total assets | 66.1326% | 3,112 |
| Net loans and leases to deposits | 79.0408% | 3,047 |
| Net loans and leases to core deposits | 94.2906% | 2,205 |
| Total domestic deposits to total assets | 83.6689% | 3,096 |
| Equity capital to assets | 7.4307% | 5,286 |
| Core capital (leverage) ratio | 7.5849% | 5,312 |
| Tier 1 risk-based capital ratio | 11.9242% | 4,480 |
| Total risk-based capital ratio | 13.1030% | 4,408 |
| Memoranda: | ||
| Average total assets | $118,896,800 | 3,806 |
| Average earning assets | $109,718,400 | 3,810 |
| Average equity | $8,735,200 | 4,493 |
| Average total loans | $77,811,000 | 3,710 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 3,544 |
| Cost of funding earning assets | 0.4033% | 3,836 |
| Net interest margin | 3.7247% | 2,914 |
| Noninterest income to average assets | 1.1181% | 751 |
| Noninterest expense to average assets | 3.8140% | 659 |
| Loan and lease loss provision to assets | 0.0742% | 2,473 |
| Net operating income to assets | 0.6596% | 4,339 |
| Return on assets (ROA) | 0.6596% | 4,354 |
| Pretax return on assets | 0.6653% | 4,614 |
| Return on Equity (ROE) | 9.0045% | 3,086 |
| Retained earnings to average equity (ytd only) | 5.7831% | 2,768 |
| Net charge-offs to loans | -0.0345% | 4,800 |
| Credit loss provision to net charge-offs | -330.0000% | 4,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7611% | 653 |
| Assets per employee ($millions) | 2.8692% | 5,127 |
| Cash dividends to net income (ytd only)* | 35.7746% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 1,767 |
| Loan loss allowance to noncurrent loans | 248.3660% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 3,188 |
| Noncurrent loans to loans | 0.5570% | 2,713 |
| Net loans and leases to total assets | 65.8734% | 3,196 |
| Net loans and leases to deposits | 80.9458% | 2,933 |
| Net loans and leases to core deposits | 96.2140% | 2,097 |
| Total domestic deposits to total assets | 81.3797% | 3,769 |
| Equity capital to assets | 7.0062% | 5,387 |
| Core capital (leverage) ratio | 7.7256% | 5,365 |
| Tier 1 risk-based capital ratio | 11.5786% | 4,749 |
| Total risk-based capital ratio | 12.8304% | 4,633 |
| Memoranda: | ||
| Average total assets | $118,647,500 | 3,848 |
| Average earning assets | $109,429,000 | 3,850 |
| Average equity | $8,691,750 | 4,545 |
| Average total loans | $77,211,500 | 3,754 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 3,457 |
| Cost of funding earning assets | 0.3627% | 3,988 |
| Net interest margin | 3.7345% | 2,811 |
| Noninterest income to average assets | 1.2129% | 658 |
| Noninterest expense to average assets | 3.8045% | 665 |
| Loan and lease loss provision to assets | 0.0700% | 2,483 |
| Net operating income to assets | 0.7858% | 3,901 |
| Return on assets (ROA) | 0.7858% | 3,905 |
| Pretax return on assets | 0.7858% | 4,292 |
| Return on Equity (ROE) | 10.5654% | 2,301 |
| Retained earnings to average equity (ytd only) | 8.1537% | 1,557 |
| Net charge-offs to loans | -0.0503% | 4,927 |
| Credit loss provision to net charge-offs | -215.7895% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6349% | 861 |
| Assets per employee ($millions) | 2.8027% | 5,216 |
| Cash dividends to net income (ytd only)* | 22.8261% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,536 |
| Loan loss allowance to noncurrent loans | 211.7871% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 2,938 |
| Noncurrent loans to loans | 0.6872% | 2,389 |
| Net loans and leases to total assets | 64.0734% | 3,391 |
| Net loans and leases to deposits | 71.5279% | 3,748 |
| Net loans and leases to core deposits | 83.7691% | 3,101 |
| Total domestic deposits to total assets | 89.5782% | 714 |
| Equity capital to assets | 7.4111% | 5,395 |
| Core capital (leverage) ratio | 7.9077% | 5,374 |
| Tier 1 risk-based capital ratio | 12.1922% | 4,378 |
| Total risk-based capital ratio | 13.4445% | 4,254 |
| Memoranda: | ||
| Average total assets | $117,071,330 | 3,911 |
| Average earning assets | $108,072,670 | 3,910 |
| Average equity | $8,707,670 | 4,581 |
| Average total loans | $75,478,000 | 3,824 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 3,505 |
| Cost of funding earning assets | 0.3417% | 4,045 |
| Net interest margin | 3.6885% | 2,847 |
| Noninterest income to average assets | 1.2231% | 619 |
| Noninterest expense to average assets | 3.7550% | 709 |
| Loan and lease loss provision to assets | 0.0582% | 2,605 |
| Net operating income to assets | 0.8463% | 3,520 |
| Return on assets (ROA) | 0.8463% | 3,536 |
| Pretax return on assets | 0.8120% | 4,119 |
| Return on Equity (ROE) | 11.3570% | 1,829 |
| Retained earnings to average equity (ytd only) | 11.3570% | 813 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1852% | 1,027 |
| Assets per employee ($millions) | 2.8459% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,742 |
| Loan loss allowance to noncurrent loans | 892.5000% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,565 |
| Noncurrent loans to loans | 0.1598% | 4,261 |
| Net loans and leases to total assets | 63.4427% | 3,375 |
| Net loans and leases to deposits | 69.0860% | 3,865 |
| Net loans and leases to core deposits | 82.2674% | 3,121 |
| Total domestic deposits to total assets | 91.8315% | 130 |
| Equity capital to assets | 7.4451% | 5,431 |
| Core capital (leverage) ratio | 7.7702% | 5,456 |
| Tier 1 risk-based capital ratio | 12.5233% | 4,224 |
| Total risk-based capital ratio | 13.7759% | 4,127 |
| Memoranda: | ||
| Average total assets | $116,749,500 | 3,957 |
| Average earning assets | $107,685,000 | 3,954 |
| Average equity | $8,699,500 | 4,625 |
| Average total loans | $74,948,000 | 3,868 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 3,848 |
| Cost of funding earning assets | 0.2472% | 4,587 |
| Net interest margin | 3.6145% | 3,119 |
| Noninterest income to average assets | 1.0377% | 943 |
| Noninterest expense to average assets | 3.7723% | 718 |
| Loan and lease loss provision to assets | 0.3716% | 406 |
| Net operating income to assets | 0.2151% | 5,078 |
| Return on assets (ROA) | 0.2060% | 5,114 |
| Pretax return on assets | 0.2165% | 5,296 |
| Return on Equity (ROE) | 2.5958% | 4,926 |
| Retained earnings to average equity (ytd only) | -3.3358% | 5,361 |
| Net charge-offs to loans | 0.0143% | 3,606 |
| Credit loss provision to net charge-offs | 4,240.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 68.2000% | 872 |
| Efficiency ratio | 86.3217% | 625 |
| Assets per employee ($millions) | 2.7814% | 5,338 |
| Cash dividends to net income (ytd only)* | 228.5106% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,731 |
| Loan loss allowance to noncurrent loans | 843.2000% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 3,848 |
| Noncurrent loans to loans | 0.1671% | 4,254 |
| Net loans and leases to total assets | 63.1284% | 3,471 |
| Net loans and leases to deposits | 72.1592% | 3,687 |
| Net loans and leases to core deposits | 87.3168% | 2,788 |
| Total domestic deposits to total assets | 87.4849% | 1,769 |
| Equity capital to assets | 7.4954% | 5,537 |
| Core capital (leverage) ratio | 7.7449% | 5,510 |
| Tier 1 risk-based capital ratio | 12.3568% | 4,289 |
| Total risk-based capital ratio | 13.5990% | 4,207 |
| Memoranda: | ||
| Average total assets | $114,095,400 | 3,996 |
| Average earning assets | $105,186,600 | 4,000 |
| Average equity | $9,053,200 | 4,607 |
| Average total loans | $70,057,200 | 3,960 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 4,041 |
| Cost of funding earning assets | 0.2269% | 4,765 |
| Net interest margin | 3.5639% | 3,280 |
| Noninterest income to average assets | 1.0498% | 928 |
| Noninterest expense to average assets | 3.7784% | 694 |
| Loan and lease loss provision to assets | 0.0670% | 2,729 |
| Net operating income to assets | 0.4938% | 4,744 |
| Return on assets (ROA) | 0.4808% | 4,827 |
| Pretax return on assets | 0.4785% | 5,070 |
| Return on Equity (ROE) | 5.9745% | 4,134 |
| Retained earnings to average equity (ytd only) | -0.2045% | 5,242 |
| Net charge-offs to loans | 0.0194% | 3,101 |
| Credit loss provision to net charge-offs | 570.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 47.5109% | 1,154 |
| Efficiency ratio | 87.1239% | 564 |
| Assets per employee ($millions) | 2.6449% | 5,468 |
| Cash dividends to net income (ytd only)* | 103.4237% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 4,352 |
| Loan loss allowance to noncurrent loans | 247.1223% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 4,081 |
| Noncurrent loans to loans | 0.3818% | 3,580 |
| Net loans and leases to total assets | 63.4148% | 3,500 |
| Net loans and leases to deposits | 72.3620% | 3,733 |
| Net loans and leases to core deposits | 86.5528% | 2,917 |
| Total domestic deposits to total assets | 87.6355% | 1,556 |
| Equity capital to assets | 8.1685% | 5,452 |
| Core capital (leverage) ratio | 7.7152% | 5,591 |
| Tier 1 risk-based capital ratio | 13.1327% | 3,920 |
| Total risk-based capital ratio | 14.1588% | 3,978 |
| Memoranda: | ||
| Average total assets | $113,414,500 | 4,047 |
| Average earning assets | $104,601,500 | 4,056 |
| Average equity | $9,127,500 | 4,640 |
| Average total loans | $68,871,500 | 4,019 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 4,215 |
| Cost of funding earning assets | 0.2106% | 4,887 |
| Net interest margin | 3.4961% | 3,415 |
| Noninterest income to average assets | 1.0785% | 857 |
| Noninterest expense to average assets | 3.7773% | 689 |
| Loan and lease loss provision to assets | 0.0671% | 2,628 |
| Net operating income to assets | 0.4624% | 4,818 |
| Return on assets (ROA) | 0.4360% | 4,904 |
| Pretax return on assets | 0.4307% | 5,111 |
| Return on Equity (ROE) | 5.4445% | 4,292 |
| Retained earnings to average equity (ytd only) | -2.0059% | 5,347 |
| Net charge-offs to loans | 0.0296% | 2,613 |
| Credit loss provision to net charge-offs | 380.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 29.7000% | 1,472 |
| Efficiency ratio | 87.8129% | 558 |
| Assets per employee ($millions) | 2.7207% | 5,465 |
| Cash dividends to net income (ytd only)* | 136.8421% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 4,283 |
| Loan loss allowance to noncurrent loans | 236.0424% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,139 |
| Noncurrent loans to loans | 0.4140% | 3,539 |
| Net loans and leases to total assets | 59.2414% | 3,905 |
| Net loans and leases to deposits | 64.6614% | 4,328 |
| Net loans and leases to core deposits | 75.2047% | 3,842 |
| Total domestic deposits to total assets | 91.6180% | 117 |
| Equity capital to assets | 8.1046% | 5,487 |
| Core capital (leverage) ratio | 8.0475% | 5,503 |
| Tier 1 risk-based capital ratio | 14.0069% | 3,424 |
| Total risk-based capital ratio | 15.0325% | 3,463 |
| Memoranda: | ||
| Average total assets | $113,309,670 | 4,073 |
| Average earning assets | $104,460,330 | 4,085 |
| Average equity | $9,073,330 | 4,671 |
| Average total loans | $67,559,330 | 4,075 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 4,148 |
| Cost of funding earning assets | 0.2117% | 4,868 |
| Net interest margin | 3.4750% | 3,372 |
| Noninterest income to average assets | 1.0139% | 979 |
| Noninterest expense to average assets | 3.6834% | 794 |
| Loan and lease loss provision to assets | 0.0674% | 2,463 |
| Net operating income to assets | 0.4963% | 4,610 |
| Return on assets (ROA) | 0.4431% | 4,825 |
| Pretax return on assets | 0.4112% | 5,145 |
| Return on Equity (ROE) | 5.5682% | 4,109 |
| Retained earnings to average equity (ytd only) | -5.5682% | 5,424 |
| Net charge-offs to loans | 0.0596% | 1,740 |
| Credit loss provision to net charge-offs | 190.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,699 |
| Efficiency ratio | 87.3844% | 706 |
| Assets per employee ($millions) | 3.1955% | 5,168 |
| Cash dividends to net income (ytd only)* | 200.0000% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 4,554 |
| Loan loss allowance to noncurrent loans | 470.2899% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 4,437 |
| Noncurrent loans to loans | 0.2019% | 4,399 |
| Net loans and leases to total assets | 58.8475% | 3,902 |
| Net loans and leases to deposits | 64.0318% | 4,305 |
| Net loans and leases to core deposits | 73.5581% | 3,876 |
| Total domestic deposits to total assets | 91.9035% | 116 |
| Equity capital to assets | 7.8165% | 5,597 |
| Core capital (leverage) ratio | 7.9609% | 5,577 |
| Tier 1 risk-based capital ratio | 14.1103% | 3,406 |
| Total risk-based capital ratio | 15.1178% | 3,476 |
| Memoranda: | ||
| Average total assets | $112,830,500 | 4,114 |
| Average earning assets | $103,943,000 | 4,131 |
| Average equity | $8,979,500 | 4,721 |
| Average total loans | $67,158,000 | 4,109 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5239% | 4,720 |
| Cost of funding earning assets | 0.1843% | 5,165 |
| Net interest margin | 3.3396% | 4,028 |
| Noninterest income to average assets | 1.2715% | 700 |
| Noninterest expense to average assets | 3.7102% | 869 |
| Loan and lease loss provision to assets | 0.0366% | 3,632 |
| Net operating income to assets | 0.5530% | 4,424 |
| Return on assets (ROA) | 0.5776% | 4,413 |
| Pretax return on assets | 0.6023% | 4,783 |
| Return on Equity (ROE) | 6.9148% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.9148% | 1,265 |
| Net charge-offs to loans | 0.0064% | 4,035 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 167.5000% | 388 |
| Efficiency ratio | 85.8141% | 836 |
| Assets per employee ($millions) | 3.1607% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 4,475 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 4,391 |
| Noncurrent loans to loans | 0.2425% | 4,280 |
| Net loans and leases to total assets | 59.0564% | 3,958 |
| Net loans and leases to deposits | 65.4380% | 4,294 |
| Net loans and leases to core deposits | 77.6758% | 3,593 |
| Total domestic deposits to total assets | 90.2480% | 539 |
| Equity capital to assets | 8.1059% | 5,515 |
| Core capital (leverage) ratio | 8.3385% | 5,409 |
| Tier 1 risk-based capital ratio | 14.6419% | 3,125 |
| Total risk-based capital ratio | 15.6589% | 3,166 |
| Memoranda: | ||
| Average total assets | $109,239,800 | 4,181 |
| Average earning assets | $99,833,400 | 4,207 |
| Average equity | $9,125,400 | 4,734 |
| Average total loans | $62,833,200 | 4,202 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 4,846 |
| Cost of funding earning assets | 0.1837% | 5,238 |
| Net interest margin | 3.3018% | 4,180 |
| Noninterest income to average assets | 1.3358% | 658 |
| Noninterest expense to average assets | 3.6524% | 916 |
| Loan and lease loss provision to assets | 0.0490% | 3,266 |
| Net operating income to assets | 0.6233% | 4,194 |
| Return on assets (ROA) | 0.6538% | 4,185 |
| Pretax return on assets | 0.6808% | 4,663 |
| Return on Equity (ROE) | 7.7685% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.7685% | 1,272 |
| Net charge-offs to loans | 0.0086% | 3,628 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 142.5854% | 486 |
| Efficiency ratio | 83.9572% | 996 |
| Assets per employee ($millions) | 3.2118% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 4,215 |
| Loan loss allowance to noncurrent loans | 353.5912% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 4,633 |
| Noncurrent loans to loans | 0.2925% | 4,209 |
| Net loans and leases to total assets | 54.4791% | 4,445 |
| Net loans and leases to deposits | 59.6757% | 4,780 |
| Net loans and leases to core deposits | 67.1502% | 4,539 |
| Total domestic deposits to total assets | 91.2919% | 144 |
| Equity capital to assets | 8.3746% | 5,593 |
| Core capital (leverage) ratio | 7.9784% | 5,699 |
| Tier 1 risk-based capital ratio | 14.9943% | 3,055 |
| Total risk-based capital ratio | 16.0490% | 3,084 |
| Memoranda: | ||
| Average total assets | $108,894,000 | 4,217 |
| Average earning assets | $99,418,500 | 4,250 |
| Average equity | $9,165,000 | 4,774 |
| Average total loans | $62,049,000 | 4,257 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 4,975 |
| Cost of funding earning assets | 0.1785% | 5,336 |
| Net interest margin | 3.2757% | 4,307 |
| Noninterest income to average assets | 1.5132% | 523 |
| Noninterest expense to average assets | 3.7411% | 830 |
| Loan and lease loss provision to assets | 0.0743% | 2,654 |
| Net operating income to assets | 0.7012% | 3,782 |
| Return on assets (ROA) | 0.7315% | 3,804 |
| Pretax return on assets | 0.7612% | 4,419 |
| Return on Equity (ROE) | 8.6765% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.6765% | 942 |
| Net charge-offs to loans | -0.0097% | 4,683 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3121% | 1,235 |
| Assets per employee ($millions) | 3.3588% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 4,333 |
| Loan loss allowance to noncurrent loans | 70.6332% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 2,493 |
| Noncurrent loans to loans | 1.4628% | 1,508 |
| Net loans and leases to total assets | 55.9107% | 4,323 |
| Net loans and leases to deposits | 61.3153% | 4,711 |
| Net loans and leases to core deposits | 69.9048% | 4,331 |
| Total domestic deposits to total assets | 91.1856% | 158 |
| Equity capital to assets | 8.5221% | 5,583 |
| Core capital (leverage) ratio | 8.3752% | 5,467 |
| Tier 1 risk-based capital ratio | 14.5437% | 3,294 |
| Total risk-based capital ratio | 15.5732% | 3,344 |
| Memoranda: | ||
| Average total assets | $107,721,330 | 4,273 |
| Average earning assets | $99,705,000 | 4,278 |
| Average equity | $9,082,000 | 4,829 |
| Average total loans | $62,105,000 | 4,282 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 4,942 |
| Cost of funding earning assets | 0.1749% | 5,420 |
| Net interest margin | 3.3019% | 4,213 |
| Noninterest income to average assets | 0.9457% | 1,190 |
| Noninterest expense to average assets | 3.3609% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6205% | 4,089 |
| Return on assets (ROA) | 0.6820% | 3,923 |
| Pretax return on assets | 0.7084% | 4,498 |
| Return on Equity (ROE) | 8.1348% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.1348% | 1,398 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9135% | 1,166 |
| Assets per employee ($millions) | 3.1662% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 4,856 |
| Loan loss allowance to noncurrent loans | 54.0734% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 2,036 |
| Noncurrent loans to loans | 1.7546% | 1,265 |
| Net loans and leases to total assets | 56.9032% | 4,156 |
| Net loans and leases to deposits | 62.0550% | 4,570 |
| Net loans and leases to core deposits | 70.2662% | 4,224 |
| Total domestic deposits to total assets | 91.6981% | 137 |
| Equity capital to assets | 8.1729% | 5,756 |
| Core capital (leverage) ratio | 8.3655% | 5,499 |
| Tier 1 risk-based capital ratio | 14.0107% | 3,686 |
| Total risk-based capital ratio | 14.9468% | 3,800 |
| Memoranda: | ||
| Average total assets | $106,161,500 | 4,342 |
| Average earning assets | $98,367,000 | 4,334 |
| Average equity | $8,900,000 | 4,889 |
| Average total loans | $61,848,000 | 4,317 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4036% | 5,150 |
| Cost of funding earning assets | 0.1524% | 5,669 |
| Net interest margin | 3.2512% | 4,472 |
| Noninterest income to average assets | 0.6957% | 2,219 |
| Noninterest expense to average assets | 3.4787% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2535% | 5,475 |
| Return on assets (ROA) | 0.2535% | 5,543 |
| Pretax return on assets | 0.2669% | 5,586 |
| Return on Equity (ROE) | 3.0680% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.0680% | 3,873 |
| Net charge-offs to loans | 0.0069% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 772 |
| Efficiency ratio | 92.8753% | 536 |
| Assets per employee ($millions) | 2.8196% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 4,569 |
| Loan loss allowance to noncurrent loans | 135.1230% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 3,530 |
| Noncurrent loans to loans | 0.7446% | 2,945 |
| Net loans and leases to total assets | 58.5479% | 4,013 |
| Net loans and leases to deposits | 64.1262% | 4,460 |
| Net loans and leases to core deposits | 74.8901% | 3,858 |
| Total domestic deposits to total assets | 91.3009% | 211 |
| Equity capital to assets | 8.6134% | 5,454 |
| Core capital (leverage) ratio | 8.4664% | 5,459 |
| Tier 1 risk-based capital ratio | 15.2005% | 3,079 |
| Total risk-based capital ratio | 16.2346% | 3,122 |
| Memoranda: | ||
| Average total assets | $104,923,600 | 4,361 |
| Average earning assets | $98,425,400 | 4,327 |
| Average equity | $8,670,200 | 4,916 |
| Average total loans | $58,366,400 | 4,417 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3515% | 5,313 |
| Cost of funding earning assets | 0.1503% | 5,773 |
| Net interest margin | 3.2012% | 4,664 |
| Noninterest income to average assets | 0.7891% | 1,841 |
| Noninterest expense to average assets | 3.4650% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3189% | 5,405 |
| Return on assets (ROA) | 0.3189% | 5,485 |
| Pretax return on assets | 0.3302% | 5,596 |
| Return on Equity (ROE) | 3.8988% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.8988% | 3,694 |
| Net charge-offs to loans | -0.0276% | 5,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2986% | 609 |
| Assets per employee ($millions) | 3.0268% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 4,639 |
| Loan loss allowance to noncurrent loans | 151.9608% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 3,792 |
| Noncurrent loans to loans | 0.6717% | 3,315 |
| Net loans and leases to total assets | 56.7478% | 4,273 |
| Net loans and leases to deposits | 62.0900% | 4,714 |
| Net loans and leases to core deposits | 71.9924% | 4,192 |
| Total domestic deposits to total assets | 91.3960% | 173 |
| Equity capital to assets | 8.4294% | 5,747 |
| Core capital (leverage) ratio | 8.1523% | 5,811 |
| Tier 1 risk-based capital ratio | 14.9230% | 3,334 |
| Total risk-based capital ratio | 15.9678% | 3,377 |
| Memoranda: | ||
| Average total assets | $105,778,250 | 4,386 |
| Average earning assets | $99,336,500 | 4,351 |
| Average equity | $8,652,000 | 4,987 |
| Average total loans | $57,949,750 | 4,472 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2933% | 5,449 |
| Cost of funding earning assets | 0.1450% | 5,887 |
| Net interest margin | 3.1483% | 4,832 |
| Noninterest income to average assets | 0.8380% | 1,642 |
| Noninterest expense to average assets | 3.4959% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3102% | 5,413 |
| Return on assets (ROA) | 0.3102% | 5,509 |
| Pretax return on assets | 0.2989% | 5,662 |
| Return on Equity (ROE) | 3.8321% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.8321% | 3,564 |
| Net charge-offs to loans | -0.0421% | 5,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1236% | 632 |
| Assets per employee ($millions) | 2.8928% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 4,597 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6832% | 3,351 |
| Noncurrent loans to loans | 1.0518% | 2,538 |
| Net loans and leases to total assets | 53.0602% | 4,654 |
| Net loans and leases to deposits | 57.6951% | 5,015 |
| Net loans and leases to core deposits | 66.4479% | 4,614 |
| Total domestic deposits to total assets | 91.9666% | 128 |
| Equity capital to assets | 7.8661% | 6,031 |
| Core capital (leverage) ratio | 8.1238% | 5,854 |
| Tier 1 risk-based capital ratio | 14.4893% | 3,643 |
| Total risk-based capital ratio | 15.5129% | 3,713 |
| Memoranda: | ||
| Average total assets | $105,724,670 | 4,429 |
| Average earning assets | $99,291,670 | 4,384 |
| Average equity | $8,559,330 | 5,045 |
| Average total loans | $57,020,330 | 4,539 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3118% | 5,418 |
| Cost of funding earning assets | 0.1440% | 5,975 |
| Net interest margin | 3.1678% | 4,723 |
| Noninterest income to average assets | 0.6446% | 2,425 |
| Noninterest expense to average assets | 3.5359% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1042% | 5,864 |
| Return on assets (ROA) | 0.1042% | 5,923 |
| Pretax return on assets | 0.0811% | 5,969 |
| Return on Equity (ROE) | 1.2683% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.2683% | 4,981 |
| Net charge-offs to loans | -0.0856% | 5,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7588% | 436 |
| Assets per employee ($millions) | 2.8317% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 4,568 |
| Loan loss allowance to noncurrent loans | 65.0577% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 2,612 |
| Noncurrent loans to loans | 1.6754% | 1,652 |
| Net loans and leases to total assets | 52.2876% | 4,641 |
| Net loans and leases to deposits | 56.9083% | 4,990 |
| Net loans and leases to core deposits | 65.7647% | 4,540 |
| Total domestic deposits to total assets | 91.8803% | 160 |
| Equity capital to assets | 8.0054% | 6,029 |
| Core capital (leverage) ratio | 8.1060% | 5,875 |
| Tier 1 risk-based capital ratio | 14.2157% | 3,870 |
| Total risk-based capital ratio | 15.2389% | 3,944 |
| Memoranda: | ||
| Average total assets | $103,623,000 | 4,508 |
| Average earning assets | $97,227,000 | 4,477 |
| Average equity | $8,515,500 | 5,092 |
| Average total loans | $56,056,500 | 4,611 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3063% | 5,694 |
| Cost of funding earning assets | 0.1434% | 6,137 |
| Net interest margin | 3.1629% | 5,038 |
| Noninterest income to average assets | 0.8143% | 1,812 |
| Noninterest expense to average assets | 3.4986% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2673% | 5,605 |
| Return on assets (ROA) | 0.2776% | 5,646 |
| Pretax return on assets | 0.2904% | 5,721 |
| Return on Equity (ROE) | 3.4202% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.4202% | 3,779 |
| Net charge-offs to loans | 0.0916% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.8163% | 3,349 |
| Efficiency ratio | 92.5993% | 671 |
| Assets per employee ($millions) | 2.7679% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 4,535 |
| Loan loss allowance to noncurrent loans | 94.7040% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 3,272 |
| Noncurrent loans to loans | 1.1624% | 2,509 |
| Net loans and leases to total assets | 54.8177% | 4,471 |
| Net loans and leases to deposits | 59.9300% | 4,905 |
| Net loans and leases to core deposits | 67.7012% | 4,533 |
| Total domestic deposits to total assets | 91.4695% | 234 |
| Equity capital to assets | 8.4472% | 5,795 |
| Core capital (leverage) ratio | 8.5420% | 5,510 |
| Tier 1 risk-based capital ratio | 15.0436% | 3,463 |
| Total risk-based capital ratio | 16.1064% | 3,502 |
| Memoranda: | ||
| Average total assets | $101,927,400 | 4,547 |
| Average earning assets | $95,514,400 | 4,519 |
| Average equity | $8,274,400 | 5,134 |
| Average total loans | $53,521,000 | 4,707 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2729% | 5,805 |
| Cost of funding earning assets | 0.1429% | 6,227 |
| Net interest margin | 3.1300% | 5,174 |
| Noninterest income to average assets | 0.8403% | 1,743 |
| Noninterest expense to average assets | 3.4146% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3473% | 5,435 |
| Return on assets (ROA) | 0.3473% | 5,505 |
| Pretax return on assets | 0.3603% | 5,656 |
| Return on Equity (ROE) | 4.3209% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.3209% | 3,577 |
| Net charge-offs to loans | 0.1230% | 2,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.6531% | 3,222 |
| Efficiency ratio | 90.4549% | 815 |
| Assets per employee ($millions) | 2.6582% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 4,790 |
| Loan loss allowance to noncurrent loans | 87.2310% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 3,489 |
| Noncurrent loans to loans | 1.2508% | 2,550 |
| Net loans and leases to total assets | 54.5643% | 4,510 |
| Net loans and leases to deposits | 63.7471% | 4,569 |
| Net loans and leases to core deposits | 69.5483% | 4,368 |
| Total domestic deposits to total assets | 85.5949% | 3,075 |
| Equity capital to assets | 8.3326% | 5,917 |
| Core capital (leverage) ratio | 8.3840% | 5,774 |
| Tier 1 risk-based capital ratio | 14.8385% | 3,685 |
| Total risk-based capital ratio | 15.8888% | 3,737 |
| Memoranda: | ||
| Average total assets | $102,498,500 | 4,584 |
| Average earning assets | $96,101,000 | 4,545 |
| Average equity | $8,238,750 | 5,181 |
| Average total loans | $53,093,750 | 4,767 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2347% | 5,900 |
| Cost of funding earning assets | 0.1451% | 6,294 |
| Net interest margin | 3.0897% | 5,285 |
| Noninterest income to average assets | 0.7709% | 1,957 |
| Noninterest expense to average assets | 3.3730% | 1,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2816% | 5,629 |
| Return on assets (ROA) | 0.2816% | 5,697 |
| Pretax return on assets | 0.2932% | 5,789 |
| Return on Equity (ROE) | 3.5455% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.5455% | 3,944 |
| Net charge-offs to loans | 0.0268% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 21.5714% | 1,537 |
| Efficiency ratio | 92.0021% | 765 |
| Assets per employee ($millions) | 2.8234% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,417 |
| Loan loss allowance to noncurrent loans | 81.1486% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 2,798 |
| Noncurrent loans to loans | 1.4802% | 2,344 |
| Net loans and leases to total assets | 51.1774% | 4,834 |
| Net loans and leases to deposits | 55.7423% | 5,213 |
| Net loans and leases to core deposits | 60.6163% | 5,091 |
| Total domestic deposits to total assets | 91.8107% | 197 |
| Equity capital to assets | 8.0352% | 6,135 |
| Core capital (leverage) ratio | 8.0389% | 6,071 |
| Tier 1 risk-based capital ratio | 14.5721% | 3,885 |
| Total risk-based capital ratio | 15.6908% | 3,907 |
| Memoranda: | ||
| Average total assets | $102,993,670 | 4,607 |
| Average earning assets | $96,515,330 | 4,567 |
| Average equity | $8,179,330 | 5,217 |
| Average total loans | $52,216,670 | 4,822 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1623% | 6,051 |
| Cost of funding earning assets | 0.1422% | 6,394 |
| Net interest margin | 3.0201% | 5,477 |
| Noninterest income to average assets | 0.7432% | 1,975 |
| Noninterest expense to average assets | 3.3719% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1956% | 5,815 |
| Return on assets (ROA) | 0.1956% | 5,859 |
| Pretax return on assets | 0.1956% | 5,926 |
| Return on Equity (ROE) | 2.4777% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.4777% | 4,588 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5175% | 724 |
| Assets per employee ($millions) | 2.8160% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 4,377 |
| Loan loss allowance to noncurrent loans | 79.5400% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1671% | 2,925 |
| Noncurrent loans to loans | 1.5711% | 2,461 |
| Net loans and leases to total assets | 49.8282% | 4,928 |
| Net loans and leases to deposits | 54.1011% | 5,275 |
| Net loans and leases to core deposits | 58.9979% | 5,128 |
| Total domestic deposits to total assets | 92.1021% | 224 |
| Equity capital to assets | 7.8067% | 6,170 |
| Core capital (leverage) ratio | 8.0140% | 6,107 |
| Tier 1 risk-based capital ratio | 14.6373% | 3,928 |
| Total risk-based capital ratio | 15.7859% | 3,936 |
| Memoranda: | ||
| Average total assets | $102,257,500 | 4,677 |
| Average earning assets | $95,626,500 | 4,639 |
| Average equity | $8,072,000 | 5,271 |
| Average total loans | $51,268,500 | 4,889 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2104% | 6,125 |
| Cost of funding earning assets | 0.1675% | 6,456 |
| Net interest margin | 3.0430% | 5,468 |
| Noninterest income to average assets | 0.7067% | 2,505 |
| Noninterest expense to average assets | 3.2565% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2587% | 5,660 |
| Return on assets (ROA) | 0.2587% | 5,739 |
| Pretax return on assets | 0.2486% | 5,851 |
| Return on Equity (ROE) | 3.2256% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.5981% | 4,406 |
| Net charge-offs to loans | 0.1102% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 3,474 |
| Efficiency ratio | 92.9064% | 812 |
| Assets per employee ($millions) | 2.7114% | 6,208 |
| Cash dividends to net income (ytd only)* | 19.4553% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,066 |
| Loan loss allowance to noncurrent loans | 78.2143% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 2,954 |
| Noncurrent loans to loans | 1.6812% | 2,386 |
| Net loans and leases to total assets | 49.1473% | 5,178 |
| Net loans and leases to deposits | 53.4784% | 5,510 |
| Net loans and leases to core deposits | 56.9058% | 5,469 |
| Total domestic deposits to total assets | 91.9012% | 302 |
| Equity capital to assets | 7.9842% | 6,029 |
| Core capital (leverage) ratio | 8.3526% | 5,823 |
| Tier 1 risk-based capital ratio | 15.0389% | 3,641 |
| Total risk-based capital ratio | 16.2261% | 3,626 |
| Memoranda: | ||
| Average total assets | $99,338,800 | 4,756 |
| Average earning assets | $91,358,400 | 4,735 |
| Average equity | $7,967,400 | 5,349 |
| Average total loans | $47,193,200 | 5,058 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1881% | 6,214 |
| Cost of funding earning assets | 0.1717% | 6,542 |
| Net interest margin | 3.0164% | 5,556 |
| Noninterest income to average assets | 0.7010% | 2,603 |
| Noninterest expense to average assets | 3.2171% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2678% | 5,727 |
| Return on assets (ROA) | 0.2678% | 5,832 |
| Pretax return on assets | 0.2503% | 5,971 |
| Return on Equity (ROE) | 3.3347% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.4967% | 4,824 |
| Net charge-offs to loans | -0.0115% | 5,918 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7823% | 804 |
| Assets per employee ($millions) | 2.8567% | 6,067 |
| Cash dividends to net income (ytd only)* | 25.1272% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 3,716 |
| Loan loss allowance to noncurrent loans | 69.2233% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 3,564 |
| Noncurrent loans to loans | 2.0855% | 2,146 |
| Net loans and leases to total assets | 48.6833% | 5,280 |
| Net loans and leases to deposits | 56.6674% | 5,316 |
| Net loans and leases to core deposits | 61.3971% | 5,175 |
| Total domestic deposits to total assets | 85.9106% | 3,313 |
| Equity capital to assets | 7.9213% | 6,199 |
| Core capital (leverage) ratio | 8.3562% | 5,909 |
| Tier 1 risk-based capital ratio | 15.2494% | 3,593 |
| Total risk-based capital ratio | 16.5003% | 3,548 |
| Memoranda: | ||
| Average total assets | $99,092,750 | 4,805 |
| Average earning assets | $90,878,250 | 4,785 |
| Average equity | $7,956,750 | 5,401 |
| Average total loans | $46,500,750 | 5,135 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1557% | 6,283 |
| Cost of funding earning assets | 0.1749% | 6,600 |
| Net interest margin | 2.9807% | 5,610 |
| Noninterest income to average assets | 0.6842% | 2,722 |
| Noninterest expense to average assets | 3.1762% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2632% | 5,734 |
| Return on assets (ROA) | 0.2632% | 5,869 |
| Pretax return on assets | 0.2328% | 6,026 |
| Return on Equity (ROE) | 3.2626% | 5,511 |
| Retained earnings to average equity (ytd only) | 2.0078% | 4,994 |
| Net charge-offs to loans | -0.0176% | 5,931 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1710% | 804 |
| Assets per employee ($millions) | 2.9674% | 5,903 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 3,287 |
| Loan loss allowance to noncurrent loans | 68.2950% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 3,648 |
| Noncurrent loans to loans | 2.2959% | 2,061 |
| Net loans and leases to total assets | 44.3633% | 5,709 |
| Net loans and leases to deposits | 48.0417% | 5,979 |
| Net loans and leases to core deposits | 52.0139% | 5,891 |
| Total domestic deposits to total assets | 92.3433% | 204 |
| Equity capital to assets | 7.5051% | 6,438 |
| Core capital (leverage) ratio | 8.2643% | 5,934 |
| Tier 1 risk-based capital ratio | 15.9016% | 3,256 |
| Total risk-based capital ratio | 17.1530% | 3,197 |
| Memoranda: | ||
| Average total assets | $98,796,000 | 4,847 |
| Average earning assets | $90,313,330 | 4,837 |
| Average equity | $7,969,000 | 5,438 |
| Average total loans | $45,538,330 | 5,208 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2122% | 6,284 |
| Cost of funding earning assets | 0.1790% | 6,681 |
| Net interest margin | 3.0332% | 5,476 |
| Noninterest income to average assets | 0.6220% | 3,018 |
| Noninterest expense to average assets | 3.2737% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1964% | 5,908 |
| Return on assets (ROA) | 0.1964% | 6,016 |
| Pretax return on assets | 0.1228% | 6,219 |
| Return on Equity (ROE) | 2.3508% | 5,828 |
| Retained earnings to average equity (ytd only) | 2.3508% | 4,848 |
| Net charge-offs to loans | 0.0088% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 956 |
| Efficiency ratio | 96.3855% | 710 |
| Assets per employee ($millions) | 2.9814% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 3,642 |
| Loan loss allowance to noncurrent loans | 52.3282% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3496% | 3,258 |
| Noncurrent loans to loans | 2.9529% | 1,701 |
| Net loans and leases to total assets | 44.5036% | 5,608 |
| Net loans and leases to deposits | 48.4794% | 5,891 |
| Net loans and leases to core deposits | 52.1894% | 5,807 |
| Total domestic deposits to total assets | 91.7991% | 285 |
| Equity capital to assets | 8.0914% | 6,334 |
| Core capital (leverage) ratio | 8.2288% | 5,906 |
| Tier 1 risk-based capital ratio | 15.6657% | 3,444 |
| Total risk-based capital ratio | 16.9168% | 3,405 |
| Memoranda: | ||
| Average total assets | $97,748,000 | 4,913 |
| Average earning assets | $89,410,000 | 4,899 |
| Average equity | $8,167,500 | 5,443 |
| Average total loans | $45,571,500 | 5,233 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 6,186 |
| Cost of funding earning assets | 0.2783% | 6,557 |
| Net interest margin | 3.3440% | 5,093 |
| Noninterest income to average assets | 0.7893% | 2,306 |
| Noninterest expense to average assets | 3.5380% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2530% | 5,624 |
| Return on assets (ROA) | 0.3361% | 5,560 |
| Pretax return on assets | 0.3503% | 5,714 |
| Return on Equity (ROE) | 3.7828% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.7828% | 3,550 |
| Net charge-offs to loans | 0.0492% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 10.9545% | 2,084 |
| Efficiency ratio | 93.0608% | 859 |
| Assets per employee ($millions) | 2.5440% | 6,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,459 |
| Loan loss allowance to noncurrent loans | 61.3853% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 3,603 |
| Noncurrent loans to loans | 2.5484% | 2,081 |
| Net loans and leases to total assets | 47.3967% | 5,470 |
| Net loans and leases to deposits | 52.0717% | 5,801 |
| Net loans and leases to core deposits | 56.3073% | 5,695 |
| Total domestic deposits to total assets | 91.0219% | 486 |
| Equity capital to assets | 8.6403% | 5,916 |
| Core capital (leverage) ratio | 8.5632% | 5,519 |
| Tier 1 risk-based capital ratio | 16.1006% | 3,107 |
| Total risk-based capital ratio | 17.3524% | 3,058 |
| Memoranda: | ||
| Average total assets | $91,350,200 | 5,038 |
| Average earning assets | $82,295,800 | 5,061 |
| Average equity | $8,115,600 | 5,467 |
| Average total loans | $44,735,800 | 5,296 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 6,256 |
| Cost of funding earning assets | 0.3035% | 6,602 |
| Net interest margin | 3.3776% | 5,106 |
| Noninterest income to average assets | 0.8589% | 1,984 |
| Noninterest expense to average assets | 3.4989% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3717% | 5,365 |
| Return on assets (ROA) | 0.4324% | 5,345 |
| Pretax return on assets | 0.4515% | 5,592 |
| Return on Equity (ROE) | 4.8327% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.8327% | 3,484 |
| Net charge-offs to loans | 0.0389% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 20.3110% | 1,452 |
| Efficiency ratio | 90.0114% | 1,041 |
| Assets per employee ($millions) | 2.6855% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 3,325 |
| Loan loss allowance to noncurrent loans | 118.4818% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 3,881 |
| Noncurrent loans to loans | 1.3937% | 3,712 |
| Net loans and leases to total assets | 45.4970% | 5,816 |
| Net loans and leases to deposits | 50.0234% | 6,104 |
| Net loans and leases to core deposits | 53.9296% | 6,055 |
| Total domestic deposits to total assets | 90.9515% | 424 |
| Equity capital to assets | 8.9017% | 5,918 |
| Core capital (leverage) ratio | 8.5898% | 5,634 |
| Tier 1 risk-based capital ratio | 16.4551% | 3,027 |
| Total risk-based capital ratio | 17.7081% | 2,991 |
| Memoranda: | ||
| Average total assets | $90,655,500 | 5,111 |
| Average earning assets | $81,279,000 | 5,132 |
| Average equity | $8,111,250 | 5,526 |
| Average total loans | $44,589,000 | 5,370 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 6,305 |
| Cost of funding earning assets | 0.3255% | 6,620 |
| Net interest margin | 3.3897% | 5,121 |
| Noninterest income to average assets | 0.8778% | 1,868 |
| Noninterest expense to average assets | 3.5491% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3401% | 5,466 |
| Return on assets (ROA) | 0.4333% | 5,330 |
| Pretax return on assets | 0.4489% | 5,578 |
| Return on Equity (ROE) | 4.8343% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.8343% | 3,378 |
| Net charge-offs to loans | -0.0089% | 6,266 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9559% | 1,000 |
| Assets per employee ($millions) | 2.5655% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 3,473 |
| Loan loss allowance to noncurrent loans | 74.4162% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.6371% | 3,270 |
| Noncurrent loans to loans | 2.2002% | 2,716 |
| Net loans and leases to total assets | 47.6797% | 5,643 |
| Net loans and leases to deposits | 52.3043% | 6,003 |
| Net loans and leases to core deposits | 55.7404% | 5,967 |
| Total domestic deposits to total assets | 91.1583% | 401 |
| Equity capital to assets | 8.6890% | 6,038 |
| Core capital (leverage) ratio | 8.7766% | 5,256 |
| Tier 1 risk-based capital ratio | 16.0143% | 3,163 |
| Total risk-based capital ratio | 17.1829% | 3,163 |
| Memoranda: | ||
| Average total assets | $89,543,000 | 5,183 |
| Average earning assets | $79,888,670 | 5,208 |
| Average equity | $8,026,000 | 5,566 |
| Average total loans | $44,958,000 | 5,385 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 6,149 |
| Cost of funding earning assets | 0.3661% | 6,570 |
| Net interest margin | 3.4803% | 4,789 |
| Noninterest income to average assets | 0.8396% | 1,984 |
| Noninterest expense to average assets | 3.5173% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3722% | 5,378 |
| Return on assets (ROA) | 0.3722% | 5,560 |
| Pretax return on assets | 0.3858% | 5,761 |
| Return on Equity (ROE) | 4.0865% | 5,253 |
| Retained earnings to average equity (ytd only) | 4.0865% | 4,139 |
| Net charge-offs to loans | -0.0178% | 6,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1163% | 1,086 |
| Assets per employee ($millions) | 2.5066% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 3,518 |
| Loan loss allowance to noncurrent loans | 74.1903% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.6659% | 3,357 |
| Noncurrent loans to loans | 2.2323% | 2,883 |
| Net loans and leases to total assets | 46.9313% | 5,686 |
| Net loans and leases to deposits | 51.4887% | 6,029 |
| Net loans and leases to core deposits | 54.8318% | 5,995 |
| Total domestic deposits to total assets | 91.1488% | 494 |
| Equity capital to assets | 8.7359% | 5,829 |
| Core capital (leverage) ratio | 8.8047% | 5,124 |
| Tier 1 risk-based capital ratio | 16.7840% | 2,767 |
| Total risk-based capital ratio | 18.0368% | 2,725 |
| Memoranda: | ||
| Average total assets | $88,135,500 | 5,265 |
| Average earning assets | $77,579,500 | 5,312 |
| Average equity | $8,026,500 | 5,588 |
| Average total loans | $45,052,500 | 5,416 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 6,151 |
| Cost of funding earning assets | 0.4795% | 6,616 |
| Net interest margin | 3.6869% | 4,356 |
| Noninterest income to average assets | 0.8386% | 1,889 |
| Noninterest expense to average assets | 3.5654% | 1,817 |
| Loan and lease loss provision to assets | 0.3534% | 2,884 |
| Net operating income to assets | 0.3086% | 5,224 |
| Return on assets (ROA) | 0.3086% | 5,379 |
| Pretax return on assets | 0.2709% | 5,632 |
| Return on Equity (ROE) | 3.5924% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.5924% | 3,661 |
| Net charge-offs to loans | 0.9984% | 1,738 |
| Credit loss provision to net charge-offs | 61.6016% | 5,131 |
| Earnings coverage of net charge-offs (x) | 1.0883% | 4,971 |
| Efficiency ratio | 85.0998% | 1,662 |
| Assets per employee ($millions) | 2.3202% | 6,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,610 |
| Loan loss allowance to noncurrent loans | 68.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.9539% | 3,033 |
| Noncurrent loans to loans | 2.3448% | 2,797 |
| Net loans and leases to total assets | 54.0125% | 5,034 |
| Net loans and leases to deposits | 59.7906% | 5,511 |
| Net loans and leases to core deposits | 61.8548% | 5,671 |
| Total domestic deposits to total assets | 90.3361% | 794 |
| Equity capital to assets | 9.5191% | 4,853 |
| Core capital (leverage) ratio | 8.9792% | 4,822 |
| Tier 1 risk-based capital ratio | 15.6769% | 3,224 |
| Total risk-based capital ratio | 16.9297% | 3,182 |
| Memoranda: | ||
| Average total assets | $84,900,400 | 5,312 |
| Average earning assets | $77,164,800 | 5,310 |
| Average equity | $7,293,200 | 5,780 |
| Average total loans | $48,779,800 | 5,312 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2214% | 6,156 |
| Cost of funding earning assets | 0.5016% | 6,687 |
| Net interest margin | 3.7198% | 4,247 |
| Noninterest income to average assets | 0.8634% | 1,783 |
| Noninterest expense to average assets | 3.5271% | 1,867 |
| Loan and lease loss provision to assets | 0.2346% | 3,664 |
| Net operating income to assets | 0.5334% | 4,389 |
| Return on assets (ROA) | 0.5334% | 4,580 |
| Pretax return on assets | 0.4771% | 5,234 |
| Return on Equity (ROE) | 6.3778% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.3778% | 2,306 |
| Net charge-offs to loans | 0.6436% | 2,319 |
| Credit loss provision to net charge-offs | 62.7615% | 4,716 |
| Earnings coverage of net charge-offs (x) | 1.9038% | 4,232 |
| Efficiency ratio | 83.2103% | 1,826 |
| Assets per employee ($millions) | 2.3177% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 3,043 |
| Loan loss allowance to noncurrent loans | 72.7193% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.5579% | 3,755 |
| Noncurrent loans to loans | 2.4330% | 2,843 |
| Net loans and leases to total assets | 53.6720% | 5,216 |
| Net loans and leases to deposits | 59.0393% | 5,743 |
| Net loans and leases to core deposits | 62.4146% | 5,781 |
| Total domestic deposits to total assets | 90.9091% | 466 |
| Equity capital to assets | 8.9043% | 5,852 |
| Core capital (leverage) ratio | 8.3783% | 5,887 |
| Tier 1 risk-based capital ratio | 14.5052% | 3,976 |
| Total risk-based capital ratio | 15.7589% | 3,947 |
| Memoranda: | ||
| Average total assets | $85,243,750 | 5,346 |
| Average earning assets | $77,350,750 | 5,344 |
| Average equity | $7,128,750 | 5,871 |
| Average total loans | $49,513,250 | 5,324 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 5,767 |
| Cost of funding earning assets | 0.5314% | 6,739 |
| Net interest margin | 3.8473% | 3,550 |
| Noninterest income to average assets | 0.8863% | 1,688 |
| Noninterest expense to average assets | 3.4229% | 2,200 |
| Loan and lease loss provision to assets | 0.3526% | 2,671 |
| Net operating income to assets | 0.6747% | 3,668 |
| Return on assets (ROA) | 0.6747% | 3,788 |
| Pretax return on assets | 0.5830% | 4,799 |
| Return on Equity (ROE) | 8.2475% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.2475% | 1,367 |
| Net charge-offs to loans | 0.9326% | 1,669 |
| Credit loss provision to net charge-offs | 63.8298% | 4,238 |
| Earnings coverage of net charge-offs (x) | 1.6936% | 4,026 |
| Efficiency ratio | 78.5329% | 2,626 |
| Assets per employee ($millions) | 2.4445% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 3,310 |
| Loan loss allowance to noncurrent loans | 166.9339% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 5,365 |
| Noncurrent loans to loans | 1.0214% | 4,951 |
| Net loans and leases to total assets | 53.0930% | 5,420 |
| Net loans and leases to deposits | 57.7884% | 5,962 |
| Net loans and leases to core deposits | 61.1437% | 5,984 |
| Total domestic deposits to total assets | 91.8748% | 265 |
| Equity capital to assets | 7.9583% | 6,707 |
| Core capital (leverage) ratio | 7.9958% | 6,303 |
| Tier 1 risk-based capital ratio | 13.1110% | 4,829 |
| Total risk-based capital ratio | 14.3637% | 4,803 |
| Memoranda: | ||
| Average total assets | $85,073,000 | 5,393 |
| Average earning assets | $76,781,670 | 5,406 |
| Average equity | $6,959,670 | 5,935 |
| Average total loans | $50,399,000 | 5,339 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 5,421 |
| Cost of funding earning assets | 0.5581% | 6,771 |
| Net interest margin | 3.9176% | 3,061 |
| Noninterest income to average assets | 0.8739% | 1,752 |
| Noninterest expense to average assets | 3.5394% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1215% | 1,761 |
| Return on assets (ROA) | 1.1215% | 1,809 |
| Pretax return on assets | 0.9128% | 3,454 |
| Return on Equity (ROE) | 13.5078% | 1,089 |
| Retained earnings to average equity (ytd only) | 13.5078% | 523 |
| Net charge-offs to loans | -0.0860% | 7,045 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4984% | 2,620 |
| Assets per employee ($millions) | 2.1307% | 7,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,971 |
| Loan loss allowance to noncurrent loans | 125.0336% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 4,717 |
| Noncurrent loans to loans | 1.4502% | 4,294 |
| Net loans and leases to total assets | 59.0278% | 4,456 |
| Net loans and leases to deposits | 64.3724% | 5,206 |
| Net loans and leases to core deposits | 69.2486% | 5,139 |
| Total domestic deposits to total assets | 91.6974% | 369 |
| Equity capital to assets | 8.1700% | 6,318 |
| Core capital (leverage) ratio | 8.1656% | 6,021 |
| Tier 1 risk-based capital ratio | 12.7529% | 5,013 |
| Total risk-based capital ratio | 14.0075% | 4,990 |
| Memoranda: | ||
| Average total assets | $82,386,000 | 5,514 |
| Average earning assets | $75,251,000 | 5,503 |
| Average equity | $6,840,500 | 5,978 |
| Average total loans | $51,171,500 | 5,358 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 5,284 |
| Cost of funding earning assets | 0.7495% | 6,737 |
| Net interest margin | 4.0888% | 2,624 |
| Noninterest income to average assets | 0.9450% | 1,681 |
| Noninterest expense to average assets | 3.8994% | 1,316 |
| Loan and lease loss provision to assets | 1.9972% | 660 |
| Net operating income to assets | -1.2446% | 6,802 |
| Return on assets (ROA) | -1.2446% | 6,826 |
| Pretax return on assets | -1.2580% | 6,762 |
| Return on Equity (ROE) | -14.4371% | 6,902 |
| Retained earnings to average equity (ytd only) | -14.4371% | 6,861 |
| Net charge-offs to loans | 2.9723% | 559 |
| Credit loss provision to net charge-offs | 104.6586% | 4,289 |
| Earnings coverage of net charge-offs (x) | 0.3874% | 5,720 |
| Efficiency ratio | 84.0641% | 1,915 |
| Assets per employee ($millions) | 2.0396% | 7,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 2,876 |
| Loan loss allowance to noncurrent loans | 121.7507% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 1.2094% | 4,606 |
| Noncurrent loans to loans | 1.4753% | 4,272 |
| Net loans and leases to total assets | 63.0943% | 4,048 |
| Net loans and leases to deposits | 69.0472% | 4,955 |
| Net loans and leases to core deposits | 74.7895% | 4,874 |
| Total domestic deposits to total assets | 91.3786% | 433 |
| Equity capital to assets | 8.4454% | 5,929 |
| Core capital (leverage) ratio | 7.9775% | 6,232 |
| Tier 1 risk-based capital ratio | 12.5704% | 4,960 |
| Total risk-based capital ratio | 13.8252% | 4,945 |
| Memoranda: | ||
| Average total assets | $82,114,200 | 5,527 |
| Average earning assets | $74,178,800 | 5,534 |
| Average equity | $7,079,000 | 6,009 |
| Average total loans | $52,719,600 | 5,368 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 5,413 |
| Cost of funding earning assets | 0.7757% | 6,829 |
| Net interest margin | 4.0900% | 2,672 |
| Noninterest income to average assets | 0.9344% | 1,675 |
| Noninterest expense to average assets | 3.6492% | 1,673 |
| Loan and lease loss provision to assets | 2.0220% | 586 |
| Net operating income to assets | -1.0698% | 6,934 |
| Return on assets (ROA) | -1.0698% | 6,971 |
| Pretax return on assets | -1.0585% | 6,888 |
| Return on Equity (ROE) | -12.3487% | 7,024 |
| Retained earnings to average equity (ytd only) | -12.3487% | 6,987 |
| Net charge-offs to loans | 3.7899% | 337 |
| Credit loss provision to net charge-offs | 83.1126% | 5,035 |
| Earnings coverage of net charge-offs (x) | 0.3960% | 5,629 |
| Efficiency ratio | 79.1128% | 2,474 |
| Assets per employee ($millions) | 2.1241% | 7,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 5,814 |
| Loan loss allowance to noncurrent loans | 76.8229% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 4,648 |
| Noncurrent loans to loans | 1.4708% | 4,421 |
| Net loans and leases to total assets | 62.3206% | 4,459 |
| Net loans and leases to deposits | 68.4436% | 5,357 |
| Net loans and leases to core deposits | 74.4334% | 5,241 |
| Total domestic deposits to total assets | 91.0539% | 433 |
| Equity capital to assets | 8.7143% | 5,987 |
| Core capital (leverage) ratio | 8.3245% | 5,824 |
| Tier 1 risk-based capital ratio | 12.7094% | 4,804 |
| Total risk-based capital ratio | 13.7791% | 4,931 |
| Memoranda: | ||
| Average total assets | $82,756,250 | 5,571 |
| Average earning assets | $74,422,750 | 5,591 |
| Average equity | $7,169,250 | 6,055 |
| Average total loans | $53,122,750 | 5,432 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 5,351 |
| Cost of funding earning assets | 0.8078% | 6,884 |
| Net interest margin | 4.1007% | 2,554 |
| Noninterest income to average assets | 0.9211% | 1,616 |
| Noninterest expense to average assets | 3.6650% | 1,637 |
| Loan and lease loss provision to assets | 2.5578% | 436 |
| Net operating income to assets | -1.6367% | 7,199 |
| Return on assets (ROA) | -1.6367% | 7,209 |
| Pretax return on assets | -1.6198% | 7,120 |
| Return on Equity (ROE) | -18.9300% | 7,255 |
| Retained earnings to average equity (ytd only) | -18.9300% | 7,230 |
| Net charge-offs to loans | 3.9158% | 337 |
| Credit loss provision to net charge-offs | 101.1472% | 4,032 |
| Earnings coverage of net charge-offs (x) | 0.3709% | 5,366 |
| Efficiency ratio | 79.6218% | 2,489 |
| Assets per employee ($millions) | 2.2109% | 7,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 3,264 |
| Loan loss allowance to noncurrent loans | 40.8679% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 2.4960% | 2,883 |
| Noncurrent loans to loans | 4.0304% | 1,874 |
| Net loans and leases to total assets | 60.9094% | 4,884 |
| Net loans and leases to deposits | 66.7985% | 5,709 |
| Net loans and leases to core deposits | 72.6817% | 5,601 |
| Total domestic deposits to total assets | 91.1837% | 418 |
| Equity capital to assets | 8.5758% | 6,052 |
| Core capital (leverage) ratio | 8.2313% | 5,891 |
| Tier 1 risk-based capital ratio | 12.6473% | 4,736 |
| Total risk-based capital ratio | 13.9017% | 4,701 |
| Memoranda: | ||
| Average total assets | $82,728,000 | 5,602 |
| Average earning assets | $74,279,670 | 5,630 |
| Average equity | $7,152,670 | 6,092 |
| Average total loans | $53,424,670 | 5,448 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 4,870 |
| Cost of funding earning assets | 0.8723% | 6,864 |
| Net interest margin | 4.1598% | 2,197 |
| Noninterest income to average assets | 0.8771% | 1,711 |
| Noninterest expense to average assets | 3.5524% | 1,839 |
| Loan and lease loss provision to assets | 4.0690% | 211 |
| Net operating income to assets | -3.0554% | 7,647 |
| Return on assets (ROA) | -3.0554% | 7,640 |
| Pretax return on assets | -3.0261% | 7,601 |
| Return on Equity (ROE) | -35.1926% | 7,620 |
| Retained earnings to average equity (ytd only) | -35.1926% | 7,600 |
| Net charge-offs to loans | 5.7574% | 191 |
| Credit loss provision to net charge-offs | 107.1887% | 3,205 |
| Earnings coverage of net charge-offs (x) | 0.2747% | 4,798 |
| Efficiency ratio | 77.3065% | 3,015 |
| Assets per employee ($millions) | 2.2277% | 7,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 3,207 |
| Loan loss allowance to noncurrent loans | 50.5045% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.1074% | 3,375 |
| Noncurrent loans to loans | 3.2885% | 2,424 |
| Net loans and leases to total assets | 63.0208% | 4,531 |
| Net loans and leases to deposits | 69.0048% | 5,469 |
| Net loans and leases to core deposits | 75.5887% | 5,310 |
| Total domestic deposits to total assets | 91.3281% | 429 |
| Equity capital to assets | 8.5065% | 5,995 |
| Core capital (leverage) ratio | 8.3980% | 5,567 |
| Tier 1 risk-based capital ratio | 12.4400% | 4,804 |
| Total risk-based capital ratio | 13.6933% | 4,748 |
| Memoranda: | ||
| Average total assets | $82,084,500 | 5,702 |
| Average earning assets | $73,369,500 | 5,731 |
| Average equity | $7,126,500 | 6,146 |
| Average total loans | $54,122,000 | 5,489 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4061% | 4,677 |
| Cost of funding earning assets | 1.0896% | 7,009 |
| Net interest margin | 4.3165% | 1,669 |
| Noninterest income to average assets | 0.9238% | 1,853 |
| Noninterest expense to average assets | 4.4122% | 861 |
| Loan and lease loss provision to assets | 0.5789% | 3,490 |
| Net operating income to assets | -0.0214% | 5,531 |
| Return on assets (ROA) | 0.0259% | 5,460 |
| Pretax return on assets | -0.0702% | 5,559 |
| Return on Equity (ROE) | 0.2889% | 5,445 |
| Retained earnings to average equity (ytd only) | 0.2889% | 4,749 |
| Net charge-offs to loans | 1.0190% | 2,371 |
| Credit loss provision to net charge-offs | 81.8815% | 6,248 |
| Earnings coverage of net charge-offs (x) | 0.6150% | 5,486 |
| Efficiency ratio | 91.0292% | 1,633 |
| Assets per employee ($millions) | 1.9879% | 7,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,418 |
| Loan loss allowance to noncurrent loans | 38.4966% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 3.7577% | 1,772 |
| Noncurrent loans to loans | 4.0653% | 1,819 |
| Net loans and leases to total assets | 66.8406% | 3,964 |
| Net loans and leases to deposits | 73.5097% | 5,119 |
| Net loans and leases to core deposits | 88.1234% | 5,313 |
| Total domestic deposits to total assets | 90.9276% | 560 |
| Equity capital to assets | 8.8687% | 5,326 |
| Core capital (leverage) ratio | 8.3639% | 5,515 |
| Tier 1 risk-based capital ratio | 11.9888% | 4,958 |
| Total risk-based capital ratio | 13.2410% | 4,910 |
| Memoranda: | ||
| Average total assets | $81,184,800 | 5,693 |
| Average earning assets | $73,787,200 | 5,690 |
| Average equity | $7,269,800 | 6,183 |
| Average total loans | $56,327,200 | 5,406 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 4,864 |
| Cost of funding earning assets | 1.1258% | 7,112 |
| Net interest margin | 4.2918% | 1,749 |
| Noninterest income to average assets | 0.9052% | 1,965 |
| Noninterest expense to average assets | 4.0848% | 1,166 |
| Loan and lease loss provision to assets | 0.2206% | 5,208 |
| Net operating income to assets | 0.6470% | 3,421 |
| Return on assets (ROA) | 0.6470% | 3,482 |
| Pretax return on assets | 0.5180% | 4,459 |
| Return on Equity (ROE) | 7.2088% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.2088% | 1,431 |
| Net charge-offs to loans | -0.0047% | 7,627 |
| Credit loss provision to net charge-offs | -6,750.0000% | 7,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6883% | 2,225 |
| Assets per employee ($millions) | 2.0314% | 7,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 1,835 |
| Loan loss allowance to noncurrent loans | 34.4543% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 5.1626% | 1,127 |
| Noncurrent loans to loans | 5.7666% | 1,056 |
| Net loans and leases to total assets | 65.9316% | 4,448 |
| Net loans and leases to deposits | 72.9981% | 5,510 |
| Net loans and leases to core deposits | 86.5591% | 5,814 |
| Total domestic deposits to total assets | 90.3196% | 654 |
| Equity capital to assets | 9.2977% | 5,041 |
| Core capital (leverage) ratio | 8.6777% | 5,168 |
| Tier 1 risk-based capital ratio | 12.4429% | 4,593 |
| Total risk-based capital ratio | 13.6994% | 4,537 |
| Memoranda: | ||
| Average total assets | $81,602,000 | 5,705 |
| Average earning assets | $74,497,000 | 5,695 |
| Average equity | $7,324,250 | 6,215 |
| Average total loans | $56,910,500 | 5,434 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 4,697 |
| Cost of funding earning assets | 1.1704% | 7,192 |
| Net interest margin | 4.3185% | 1,603 |
| Noninterest income to average assets | 0.8493% | 2,184 |
| Noninterest expense to average assets | 4.1338% | 1,152 |
| Loan and lease loss provision to assets | 0.2203% | 4,835 |
| Net operating income to assets | 0.6339% | 3,538 |
| Return on assets (ROA) | 0.6339% | 3,648 |
| Pretax return on assets | 0.4234% | 4,862 |
| Return on Equity (ROE) | 7.1475% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.1475% | 1,527 |
| Net charge-offs to loans | -0.0104% | 7,610 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5266% | 2,177 |
| Assets per employee ($millions) | 1.9391% | 7,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 1,987 |
| Loan loss allowance to noncurrent loans | 44.7787% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 4.1452% | 1,400 |
| Noncurrent loans to loans | 4.0678% | 1,650 |
| Net loans and leases to total assets | 68.9599% | 3,954 |
| Net loans and leases to deposits | 76.0717% | 5,165 |
| Net loans and leases to core deposits | 92.0826% | 5,341 |
| Total domestic deposits to total assets | 90.6511% | 574 |
| Equity capital to assets | 9.0530% | 5,240 |
| Core capital (leverage) ratio | 8.6378% | 5,205 |
| Tier 1 risk-based capital ratio | 11.9385% | 4,970 |
| Total risk-based capital ratio | 13.1941% | 4,884 |
| Memoranda: | ||
| Average total assets | $81,717,000 | 5,739 |
| Average earning assets | $74,331,000 | 5,735 |
| Average equity | $7,247,330 | 6,285 |
| Average total loans | $57,660,670 | 5,437 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 4,655 |
| Cost of funding earning assets | 1.2116% | 7,275 |
| Net interest margin | 4.3350% | 1,503 |
| Noninterest income to average assets | 0.6451% | 3,230 |
| Noninterest expense to average assets | 3.7726% | 1,522 |
| Loan and lease loss provision to assets | 0.2199% | 4,253 |
| Net operating income to assets | 1.0164% | 2,239 |
| Return on assets (ROA) | 1.0164% | 2,380 |
| Pretax return on assets | 0.5864% | 4,798 |
| Return on Equity (ROE) | 11.5805% | 1,787 |
| Retained earnings to average equity (ytd only) | 11.5805% | 867 |
| Net charge-offs to loans | 0.0138% | 5,403 |
| Credit loss provision to net charge-offs | 2,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 510 |
| Efficiency ratio | 82.3906% | 2,485 |
| Assets per employee ($millions) | 2.0140% | 7,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 2,026 |
| Loan loss allowance to noncurrent loans | 59.1885% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 3.3002% | 1,661 |
| Noncurrent loans to loans | 2.9297% | 2,229 |
| Net loans and leases to total assets | 68.0800% | 4,122 |
| Net loans and leases to deposits | 74.8485% | 5,367 |
| Net loans and leases to core deposits | 93.9375% | 5,156 |
| Total domestic deposits to total assets | 90.9570% | 429 |
| Equity capital to assets | 8.8638% | 5,532 |
| Core capital (leverage) ratio | 8.6804% | 5,183 |
| Tier 1 risk-based capital ratio | 11.7614% | 5,161 |
| Total risk-based capital ratio | 13.0155% | 5,076 |
| Memoranda: | ||
| Average total assets | $81,854,000 | 5,761 |
| Average earning assets | $74,279,500 | 5,760 |
| Average equity | $7,184,500 | 6,340 |
| Average total loans | $57,888,500 | 5,459 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3362% | 3,755 |
| Cost of funding earning assets | 1.8717% | 6,820 |
| Net interest margin | 4.4644% | 1,503 |
| Noninterest income to average assets | 0.6903% | 3,180 |
| Noninterest expense to average assets | 4.3600% | 984 |
| Loan and lease loss provision to assets | 2.2018% | 523 |
| Net operating income to assets | -1.8573% | 7,572 |
| Return on assets (ROA) | -1.8573% | 7,525 |
| Pretax return on assets | -1.8379% | 7,385 |
| Return on Equity (ROE) | -18.2054% | 7,719 |
| Retained earnings to average equity (ytd only) | -22.9619% | 7,758 |
| Net charge-offs to loans | 2.5581% | 368 |
| Credit loss provision to net charge-offs | 120.2783% | 4,467 |
| Earnings coverage of net charge-offs (x) | 0.1988% | 6,120 |
| Efficiency ratio | 92.2958% | 1,364 |
| Assets per employee ($millions) | 2.0284% | 7,897 |
| Cash dividends to net income (ytd only)* | -26.1267% | 7,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 2,161 |
| Loan loss allowance to noncurrent loans | 55.8235% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 3.3881% | 1,324 |
| Noncurrent loans to loans | 2.9025% | 1,852 |
| Net loans and leases to total assets | 71.0178% | 3,780 |
| Net loans and leases to deposits | 83.8490% | 4,445 |
| Net loans and leases to core deposits | 103.7655% | 4,416 |
| Total domestic deposits to total assets | 84.6973% | 2,979 |
| Equity capital to assets | 8.6891% | 5,821 |
| Core capital (leverage) ratio | 8.3430% | 5,865 |
| Tier 1 risk-based capital ratio | 11.2508% | 5,488 |
| Total risk-based capital ratio | 12.5033% | 5,366 |
| Memoranda: | ||
| Average total assets | $82,431,600 | 5,614 |
| Average earning assets | $74,477,400 | 5,644 |
| Average equity | $8,409,600 | 5,939 |
| Average total loans | $58,988,400 | 5,316 |