Home > Cendera Bank > Performance and Condition Ratios
Cendera Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0902% | 300 |
| Cost of funding earning assets | 3.0992% | 258 |
| Net interest margin | 3.9910% | 1,308 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 3.5676% | 555 |
| Loan and lease loss provision to assets | 0.3600% | 284 |
| Net operating income to assets | 0.0247% | 4,141 |
| Return on assets (ROA) | 0.0247% | 4,168 |
| Pretax return on assets | 0.0283% | 4,164 |
| Return on Equity (ROE) | 0.2200% | 4,169 |
| Retained earnings to average equity (ytd only) | 0.2152% | 3,635 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 90.2952% | 490 |
| Assets per employee ($millions) | 7.0947% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 2,731 |
| Loan loss allowance to noncurrent loans | 209.1650% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 1,639 |
| Noncurrent loans to loans | 0.5251% | 1,805 |
| Net loans and leases to total assets | 81.4700% | 458 |
| Net loans and leases to deposits | 92.5119% | 878 |
| Net loans and leases to core deposits | 117.7152% | 614 |
| Total domestic deposits to total assets | 88.0600% | 1,538 |
| Equity capital to assets | 11.5020% | 1,415 |
| Core capital (leverage) ratio | 11.6856% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $226,373,500 | 2,857 |
| Average earning assets | $217,087,000 | 2,808 |
| Average equity | $26,028,000 | 2,641 |
| Average total loans | $178,916,500 | 2,542 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0312% | 381 |
| Cost of funding earning assets | 3.1568% | 373 |
| Net interest margin | 3.8744% | 1,388 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 3.6807% | 480 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 0.1559% | 4,031 |
| Return on assets (ROA) | 0.1559% | 4,061 |
| Pretax return on assets | 0.1124% | 4,115 |
| Return on Equity (ROE) | 1.2300% | 4,082 |
| Retained earnings to average equity (ytd only) | 1.2342% | 3,617 |
| Net charge-offs to loans | 0.0044% | 2,794 |
| Credit loss provision to net charge-offs | 2,185.7143% | 216 |
| Earnings coverage of net charge-offs (x) | 56.2857% | 1,141 |
| Efficiency ratio | 94.9674% | 365 |
| Assets per employee ($millions) | 6.8399% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 2,787 |
| Loan loss allowance to noncurrent loans | 127.4171% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 1,134 |
| Noncurrent loans to loans | 0.8477% | 1,178 |
| Net loans and leases to total assets | 74.8600% | 1,293 |
| Net loans and leases to deposits | 85.0175% | 1,685 |
| Net loans and leases to core deposits | 105.0278% | 1,178 |
| Total domestic deposits to total assets | 88.0500% | 1,499 |
| Equity capital to assets | 11.4936% | 1,367 |
| Core capital (leverage) ratio | 12.1222% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $202,001,000 | 2,989 |
| Average earning assets | $193,137,800 | 2,937 |
| Average equity | $25,523,000 | 2,601 |
| Average total loans | $159,841,000 | 2,655 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0099% | 386 |
| Cost of funding earning assets | 3.1301% | 403 |
| Net interest margin | 3.8798% | 1,334 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 3.6917% | 464 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.0884% | 4,127 |
| Return on assets (ROA) | 0.0884% | 4,155 |
| Pretax return on assets | 0.1068% | 4,143 |
| Return on Equity (ROE) | 0.6800% | 4,171 |
| Retained earnings to average equity (ytd only) | 0.6819% | 3,808 |
| Net charge-offs to loans | 0.0059% | 2,450 |
| Credit loss provision to net charge-offs | 1,328.5714% | 330 |
| Earnings coverage of net charge-offs (x) | 35.7143% | 1,405 |
| Efficiency ratio | 95.5978% | 360 |
| Assets per employee ($millions) | 6.5323% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 2,878 |
| Loan loss allowance to noncurrent loans | 403.8462% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,440 |
| Noncurrent loans to loans | 0.2661% | 2,490 |
| Net loans and leases to total assets | 76.2300% | 1,099 |
| Net loans and leases to deposits | 87.0761% | 1,531 |
| Net loans and leases to core deposits | 111.4217% | 875 |
| Total domestic deposits to total assets | 87.5500% | 1,405 |
| Equity capital to assets | 11.9434% | 1,309 |
| Core capital (leverage) ratio | 12.9551% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $196,072,250 | 3,019 |
| Average earning assets | $187,292,000 | 2,978 |
| Average equity | $25,418,000 | 2,605 |
| Average total loans | $157,096,500 | 2,670 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9738% | 376 |
| Cost of funding earning assets | 3.0441% | 440 |
| Net interest margin | 3.9297% | 1,218 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 3.7262% | 454 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.1013% | 4,120 |
| Return on assets (ROA) | 0.1013% | 4,149 |
| Pretax return on assets | 0.1266% | 4,132 |
| Return on Equity (ROE) | 0.7600% | 4,170 |
| Retained earnings to average equity (ytd only) | 0.7586% | 3,660 |
| Net charge-offs to loans | -0.0013% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 95.0229% | 407 |
| Assets per employee ($millions) | 5.7064% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 2,837 |
| Loan loss allowance to noncurrent loans | 271.1180% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 1,835 |
| Noncurrent loans to loans | 0.4033% | 1,982 |
| Net loans and leases to total assets | 81.3900% | 531 |
| Net loans and leases to deposits | 94.3730% | 907 |
| Net loans and leases to core deposits | 119.1041% | 658 |
| Total domestic deposits to total assets | 86.2500% | 1,909 |
| Equity capital to assets | 13.1220% | 846 |
| Core capital (leverage) ratio | 13.5228% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $189,574,000 | 3,068 |
| Average earning assets | $180,877,000 | 3,027 |
| Average equity | $25,308,667 | 2,577 |
| Average total loans | $154,088,000 | 2,679 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6046% | 514 |
| Cost of funding earning assets | 2.8682% | 534 |
| Net interest margin | 3.7363% | 1,461 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 3.6487% | 481 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.0448% | 4,182 |
| Return on assets (ROA) | 0.0448% | 4,219 |
| Pretax return on assets | 0.0555% | 4,198 |
| Return on Equity (ROE) | 0.3300% | 4,221 |
| Retained earnings to average equity (ytd only) | 0.3329% | 3,634 |
| Net charge-offs to loans | -0.0026% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 97.4344% | 346 |
| Assets per employee ($millions) | 6.5434% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 2,772 |
| Loan loss allowance to noncurrent loans | 91.1325% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9865% | 592 |
| Noncurrent loans to loans | 1.2162% | 681 |
| Net loans and leases to total assets | 80.2200% | 596 |
| Net loans and leases to deposits | 95.5243% | 755 |
| Net loans and leases to core deposits | 116.8768% | 726 |
| Total domestic deposits to total assets | 83.9700% | 2,719 |
| Equity capital to assets | 13.3332% | 788 |
| Core capital (leverage) ratio | 14.1632% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $187,352,500 | 3,084 |
| Average earning assets | $178,785,500 | 3,044 |
| Average equity | $25,233,500 | 2,589 |
| Average total loans | $151,299,500 | 2,694 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0809% | 572 |
| Cost of funding earning assets | 2.3600% | 489 |
| Net interest margin | 3.7209% | 1,716 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 4.0422% | 354 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.1763% | 4,452 |
| Return on assets (ROA) | -0.1763% | 4,438 |
| Pretax return on assets | -0.3725% | 4,468 |
| Return on Equity (ROE) | -1.5600% | 4,407 |
| Retained earnings to average equity (ytd only) | -1.5552% | 4,235 |
| Net charge-offs to loans | 0.0098% | 2,290 |
| Credit loss provision to net charge-offs | 528.5714% | 642 |
| Earnings coverage of net charge-offs (x) | -45.3571% | 4,582 |
| Efficiency ratio | 109.4452% | 114 |
| Assets per employee ($millions) | 5.9660% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 2,591 |
| Loan loss allowance to noncurrent loans | 293.9446% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 1,695 |
| Noncurrent loans to loans | 0.3888% | 1,817 |
| Net loans and leases to total assets | 79.4700% | 702 |
| Net loans and leases to deposits | 95.7274% | 812 |
| Net loans and leases to core deposits | 115.9620% | 745 |
| Total domestic deposits to total assets | 83.0200% | 2,888 |
| Equity capital to assets | 13.6072% | 748 |
| Core capital (leverage) ratio | 14.2935% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $182,028,000 | 3,109 |
| Average earning assets | $173,264,200 | 3,068 |
| Average equity | $20,640,200 | 2,804 |
| Average total loans | $143,334,800 | 2,732 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8890% | 611 |
| Cost of funding earning assets | 2.2609% | 444 |
| Net interest margin | 3.6281% | 1,929 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 4.0999% | 340 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -0.2633% | 4,511 |
| Return on assets (ROA) | -0.2633% | 4,497 |
| Pretax return on assets | -0.5332% | 4,518 |
| Return on Equity (ROE) | -2.4500% | 4,460 |
| Retained earnings to average equity (ytd only) | -2.4467% | 4,342 |
| Net charge-offs to loans | 0.0160% | 1,827 |
| Credit loss provision to net charge-offs | 435.2941% | 695 |
| Earnings coverage of net charge-offs (x) | -40.1176% | 4,617 |
| Efficiency ratio | 113.9383% | 92 |
| Assets per employee ($millions) | 6.2762% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,538 |
| Loan loss allowance to noncurrent loans | 338.0478% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 1,906 |
| Noncurrent loans to loans | 0.3451% | 1,988 |
| Net loans and leases to total assets | 78.9900% | 758 |
| Net loans and leases to deposits | 98.3520% | 594 |
| Net loans and leases to core deposits | 121.4262% | 517 |
| Total domestic deposits to total assets | 80.3100% | 3,488 |
| Equity capital to assets | 13.5459% | 715 |
| Core capital (leverage) ratio | 14.7293% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $181,298,500 | 3,122 |
| Average earning assets | $172,022,250 | 3,082 |
| Average equity | $19,508,750 | 2,885 |
| Average total loans | $141,999,750 | 2,751 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7406% | 603 |
| Cost of funding earning assets | 2.1302% | 393 |
| Net interest margin | 3.6104% | 2,015 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 4.3632% | 290 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | -0.4209% | 4,557 |
| Return on assets (ROA) | -0.4209% | 4,550 |
| Pretax return on assets | -0.8340% | 4,577 |
| Return on Equity (ROE) | -4.2800% | 4,532 |
| Retained earnings to average equity (ytd only) | -4.2825% | 4,400 |
| Net charge-offs to loans | 0.0241% | 1,399 |
| Credit loss provision to net charge-offs | 435.2941% | 702 |
| Earnings coverage of net charge-offs (x) | -41.8824% | 4,649 |
| Efficiency ratio | 121.9889% | 68 |
| Assets per employee ($millions) | 6.0664% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,511 |
| Loan loss allowance to noncurrent loans | 291.0806% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 1,638 |
| Noncurrent loans to loans | 0.4073% | 1,710 |
| Net loans and leases to total assets | 77.7100% | 868 |
| Net loans and leases to deposits | 97.5649% | 637 |
| Net loans and leases to core deposits | 117.6688% | 585 |
| Total domestic deposits to total assets | 79.6500% | 3,624 |
| Equity capital to assets | 10.7538% | 1,486 |
| Core capital (leverage) ratio | 11.8584% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $181,061,000 | 3,130 |
| Average earning assets | $171,062,333 | 3,096 |
| Average equity | $17,793,333 | 3,037 |
| Average total loans | $140,843,667 | 2,761 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5977% | 527 |
| Cost of funding earning assets | 1.9518% | 328 |
| Net interest margin | 3.6460% | 2,021 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 4.4896% | 272 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | -0.3057% | 4,568 |
| Return on assets (ROA) | -0.3057% | 4,557 |
| Pretax return on assets | -0.9923% | 4,603 |
| Return on Equity (ROE) | -3.2700% | 4,526 |
| Retained earnings to average equity (ytd only) | -3.2654% | 4,247 |
| Net charge-offs to loans | 0.0487% | 880 |
| Credit loss provision to net charge-offs | 235.2941% | 765 |
| Earnings coverage of net charge-offs (x) | -24.0000% | 4,672 |
| Efficiency ratio | 125.2007% | 62 |
| Assets per employee ($millions) | 5.4731% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,612 |
| Loan loss allowance to noncurrent loans | 175.9788% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 987 |
| Noncurrent loans to loans | 0.6759% | 1,119 |
| Net loans and leases to total assets | 76.5000% | 927 |
| Net loans and leases to deposits | 94.0689% | 783 |
| Net loans and leases to core deposits | 113.1318% | 608 |
| Total domestic deposits to total assets | 81.3200% | 3,586 |
| Equity capital to assets | 9.2391% | 2,328 |
| Core capital (leverage) ratio | 10.3938% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $180,595,500 | 3,172 |
| Average earning assets | $169,283,500 | 3,153 |
| Average equity | $16,904,500 | 3,138 |
| Average total loans | $139,701,000 | 2,802 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 222 |
| Cost of funding earning assets | 1.0395% | 138 |
| Net interest margin | 4.1696% | 580 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 5.2399% | 202 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | -0.9713% | 4,659 |
| Return on assets (ROA) | -0.9713% | 4,654 |
| Pretax return on assets | -1.2381% | 4,655 |
| Return on Equity (ROE) | -8.5700% | 4,651 |
| Retained earnings to average equity (ytd only) | -8.5725% | 4,617 |
| Net charge-offs to loans | 0.1923% | 423 |
| Credit loss provision to net charge-offs | 121.4876% | 1,451 |
| Earnings coverage of net charge-offs (x) | -6.7603% | 4,691 |
| Efficiency ratio | 125.0459% | 58 |
| Assets per employee ($millions) | 5.3111% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 3,409 |
| Loan loss allowance to noncurrent loans | 1,149.5868% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,133 |
| Noncurrent loans to loans | 0.0867% | 3,134 |
| Net loans and leases to total assets | 76.5200% | 960 |
| Net loans and leases to deposits | 89.7943% | 1,067 |
| Net loans and leases to core deposits | 110.6823% | 588 |
| Total domestic deposits to total assets | 85.2200% | 2,930 |
| Equity capital to assets | 9.4817% | 2,023 |
| Core capital (leverage) ratio | 10.5643% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $155,879,600 | 3,382 |
| Average earning assets | $148,433,200 | 3,340 |
| Average equity | $17,661,200 | 3,151 |
| Average total loans | $125,865,800 | 2,869 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 177 |
| Cost of funding earning assets | 0.8380% | 132 |
| Net interest margin | 4.2913% | 342 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 4.7176% | 231 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | -0.4890% | 4,678 |
| Return on assets (ROA) | -0.4890% | 4,664 |
| Pretax return on assets | -0.6314% | 4,670 |
| Return on Equity (ROE) | -4.1100% | 4,653 |
| Retained earnings to average equity (ytd only) | -4.1132% | 4,576 |
| Net charge-offs to loans | 0.0131% | 1,632 |
| Credit loss provision to net charge-offs | 1,950.0000% | 256 |
| Earnings coverage of net charge-offs (x) | -39.5833% | 4,753 |
| Efficiency ratio | 109.8507% | 94 |
| Assets per employee ($millions) | 4.6384% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 2,968 |
| Loan loss allowance to noncurrent loans | 614.5669% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,522 |
| Noncurrent loans to loans | 0.1805% | 2,686 |
| Net loans and leases to total assets | 85.7100% | 140 |
| Net loans and leases to deposits | 103.2447% | 256 |
| Net loans and leases to core deposits | 130.4517% | 147 |
| Total domestic deposits to total assets | 83.0200% | 3,687 |
| Equity capital to assets | 10.6718% | 1,303 |
| Core capital (leverage) ratio | 11.6989% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $149,704,750 | 3,472 |
| Average earning assets | $142,236,750 | 3,421 |
| Average equity | $17,796,000 | 3,175 |
| Average total loans | $122,437,500 | 2,909 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 148 |
| Cost of funding earning assets | 0.7105% | 151 |
| Net interest margin | 4.3802% | 234 |
| Noninterest income to average assets | 0.2268% | 3,834 |
| Noninterest expense to average assets | 4.5886% | 203 |
| Loan and lease loss provision to assets | 0.2392% | 311 |
| Net operating income to assets | -0.3258% | 4,661 |
| Return on assets (ROA) | -0.3258% | 4,637 |
| Pretax return on assets | -0.4316% | 4,639 |
| Return on Equity (ROE) | -2.6402% | 4,632 |
| Retained earnings to average equity (ytd only) | -2.6402% | 4,430 |
| Net charge-offs to loans | 0.0206% | 1,320 |
| Credit loss provision to net charge-offs | 1,450.0000% | 314 |
| Earnings coverage of net charge-offs (x) | -11.6667% | 2,134 |
| Efficiency ratio | 104.3777% | 147 |
| Assets per employee ($millions) | 4.2526% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,854 |
| Loan loss allowance to noncurrent loans | 632.9114% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 2,591 |
| Noncurrent loans to loans | 0.1847% | 2,782 |
| Net loans and leases to total assets | 85.1923% | 123 |
| Net loans and leases to deposits | 96.9278% | 387 |
| Net loans and leases to core deposits | 119.7252% | 198 |
| Total domestic deposits to total assets | 87.8924% | 2,617 |
| Equity capital to assets | 11.9416% | 898 |
| Core capital (leverage) ratio | 12.1423% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,491,667 | 3,545 |
| Average earning assets | $138,487,000 | 3,506 |
| Average equity | $17,953,000 | 3,238 |
| Average total loans | $116,348,000 | 2,985 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 160 |
| Cost of funding earning assets | 0.7103% | 143 |
| Net interest margin | 4.2647% | 256 |
| Noninterest income to average assets | 0.2420% | 3,694 |
| Noninterest expense to average assets | 4.5085% | 205 |
| Loan and lease loss provision to assets | 0.4005% | 131 |
| Net operating income to assets | -0.4728% | 4,699 |
| Return on assets (ROA) | -0.4728% | 4,689 |
| Pretax return on assets | -0.6258% | 4,696 |
| Return on Equity (ROE) | -3.7689% | 4,682 |
| Retained earnings to average equity (ytd only) | -3.7689% | 4,357 |
| Net charge-offs to loans | 0.0435% | 851 |
| Credit loss provision to net charge-offs | 1,200.0000% | 301 |
| Earnings coverage of net charge-offs (x) | -6.7500% | 1,810 |
| Efficiency ratio | 105.2597% | 173 |
| Assets per employee ($millions) | 5.3537% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,117 |
| Loan loss allowance to noncurrent loans | 625.5319% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,666 |
| Noncurrent loans to loans | 0.2157% | 2,744 |
| Net loans and leases to total assets | 74.3696% | 635 |
| Net loans and leases to deposits | 85.0719% | 802 |
| Net loans and leases to core deposits | 103.9732% | 398 |
| Total domestic deposits to total assets | 87.4197% | 2,777 |
| Equity capital to assets | 12.4198% | 829 |
| Core capital (leverage) ratio | 12.2465% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,817,000 | 3,579 |
| Average earning assets | $136,281,000 | 3,545 |
| Average equity | $18,042,500 | 3,322 |
| Average total loans | $110,371,500 | 3,062 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2941% | 171 |
| Cost of funding earning assets | 0.8932% | 121 |
| Net interest margin | 4.4009% | 334 |
| Noninterest income to average assets | 0.2247% | 4,031 |
| Noninterest expense to average assets | 4.1937% | 254 |
| Loan and lease loss provision to assets | 0.0925% | 1,347 |
| Net operating income to assets | 0.0886% | 4,629 |
| Return on assets (ROA) | 0.0886% | 4,638 |
| Pretax return on assets | 0.1368% | 4,614 |
| Return on Equity (ROE) | 0.7216% | 4,631 |
| Retained earnings to average equity (ytd only) | -1.5178% | 4,604 |
| Net charge-offs to loans | -0.0204% | 3,989 |
| Credit loss provision to net charge-offs | -576.1905% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8169% | 213 |
| Assets per employee ($millions) | 5.7233% | 3,029 |
| Cash dividends to net income (ytd only)* | 310.3448% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,900 |
| 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 | 77.1818% | 435 |
| Net loans and leases to deposits | 88.7804% | 619 |
| Net loans and leases to core deposits | 110.1377% | 282 |
| Total domestic deposits to total assets | 86.9356% | 2,547 |
| Equity capital to assets | 12.6724% | 1,005 |
| Core capital (leverage) ratio | 12.9263% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,863,200 | 3,674 |
| Average earning assets | $124,838,000 | 3,630 |
| Average equity | $16,075,600 | 3,533 |
| Average total loans | $102,752,000 | 3,164 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3184% | 191 |
| Cost of funding earning assets | 0.9461% | 108 |
| Net interest margin | 4.3723% | 386 |
| Noninterest income to average assets | 0.2358% | 3,987 |
| Noninterest expense to average assets | 4.2563% | 244 |
| Loan and lease loss provision to assets | 0.0978% | 1,223 |
| Net operating income to assets | 0.0250% | 4,730 |
| Return on assets (ROA) | 0.0250% | 4,744 |
| Pretax return on assets | 0.0563% | 4,733 |
| Return on Equity (ROE) | 0.2056% | 4,743 |
| Retained earnings to average equity (ytd only) | -2.8788% | 4,741 |
| Net charge-offs to loans | -0.0279% | 4,098 |
| Credit loss provision to net charge-offs | -447.6190% | 3,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4995% | 189 |
| Assets per employee ($millions) | 5.9217% | 2,771 |
| Cash dividends to net income (ytd only)* | 1,500.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 81.9626% | 191 |
| Net loans and leases to deposits | 94.9470% | 380 |
| Net loans and leases to core deposits | 116.0366% | 225 |
| Total domestic deposits to total assets | 86.3245% | 2,624 |
| Equity capital to assets | 13.2504% | 920 |
| Core capital (leverage) ratio | 13.7645% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8169% | 992 |
| Memoranda: | ||
| Average total assets | $127,808,250 | 3,742 |
| Average earning assets | $122,039,000 | 3,696 |
| Average equity | $15,561,500 | 3,623 |
| Average total loans | $100,497,250 | 3,230 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 251 |
| Cost of funding earning assets | 1.0015% | 106 |
| Net interest margin | 4.2068% | 578 |
| Noninterest income to average assets | 0.2256% | 4,048 |
| Noninterest expense to average assets | 4.1932% | 250 |
| Loan and lease loss provision to assets | 0.0960% | 1,309 |
| Net operating income to assets | -0.0704% | 4,792 |
| Return on assets (ROA) | -0.0704% | 4,801 |
| Pretax return on assets | -0.0448% | 4,794 |
| Return on Equity (ROE) | -0.5973% | 4,804 |
| Retained earnings to average equity (ytd only) | -5.4843% | 4,795 |
| Net charge-offs to loans | -0.0643% | 4,463 |
| Credit loss provision to net charge-offs | -193.5484% | 3,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7938% | 180 |
| Assets per employee ($millions) | 5.0855% | 3,578 |
| Cash dividends to net income (ytd only)* | -818.1818% | 4,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 80.4024% | 293 |
| Net loans and leases to deposits | 94.1262% | 457 |
| Net loans and leases to core deposits | 112.0008% | 318 |
| Total domestic deposits to total assets | 85.4198% | 2,934 |
| Equity capital to assets | 14.1413% | 690 |
| Core capital (leverage) ratio | 14.0965% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8016% | 724 |
| Memoranda: | ||
| Average total assets | $125,011,000 | 3,797 |
| Average earning assets | $119,426,667 | 3,742 |
| Average equity | $14,733,000 | 3,708 |
| Average total loans | $96,348,333 | 3,306 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 373 |
| Cost of funding earning assets | 1.0287% | 117 |
| Net interest margin | 3.9455% | 918 |
| Noninterest income to average assets | 0.2033% | 4,168 |
| Noninterest expense to average assets | 4.4632% | 214 |
| Loan and lease loss provision to assets | 0.0968% | 1,388 |
| Net operating income to assets | -0.5938% | 4,903 |
| Return on assets (ROA) | -0.5938% | 4,904 |
| Pretax return on assets | -0.5938% | 4,896 |
| Return on Equity (ROE) | -5.6140% | 4,908 |
| Retained earnings to average equity (ytd only) | -16.5980% | 4,892 |
| Net charge-offs to loans | -0.1294% | 4,707 |
| Credit loss provision to net charge-offs | -100.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5305% | 99 |
| Assets per employee ($millions) | 6.7161% | 1,985 |
| Cash dividends to net income (ytd only)* | -195.6522% | 4,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.8101% | 922 |
| Net loans and leases to deposits | 81.5766% | 1,367 |
| Net loans and leases to core deposits | 95.7825% | 894 |
| Total domestic deposits to total assets | 89.2536% | 1,198 |
| Equity capital to assets | 10.0614% | 2,653 |
| Core capital (leverage) ratio | 10.7661% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4627% | 1,439 |
| Memoranda: | ||
| Average total assets | $123,947,500 | 3,816 |
| Average earning assets | $118,209,500 | 3,763 |
| Average equity | $13,110,000 | 3,892 |
| Average total loans | $92,768,000 | 3,369 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6314% | 149 |
| Cost of funding earning assets | 1.3981% | 128 |
| Net interest margin | 4.2333% | 590 |
| Noninterest income to average assets | 0.2803% | 3,802 |
| Noninterest expense to average assets | 3.4478% | 747 |
| Loan and lease loss provision to assets | 0.2837% | 1,342 |
| Net operating income to assets | 0.5876% | 3,796 |
| Return on assets (ROA) | 0.6112% | 3,831 |
| Pretax return on assets | 0.6112% | 4,052 |
| Return on Equity (ROE) | 5.4830% | 3,753 |
| Retained earnings to average equity (ytd only) | 0.1590% | 4,476 |
| Net charge-offs to loans | 0.0382% | 2,286 |
| Credit loss provision to net charge-offs | 960.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 29.4857% | 1,629 |
| Efficiency ratio | 79.8280% | 907 |
| Assets per employee ($millions) | 6.0145% | 2,327 |
| Cash dividends to net income (ytd only)* | 97.0994% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 2,368 |
| Loan loss allowance to noncurrent loans | 632.8042% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 3,488 |
| Noncurrent loans to loans | 0.2069% | 3,460 |
| Net loans and leases to total assets | 74.9645% | 908 |
| Net loans and leases to deposits | 86.2241% | 1,235 |
| Net loans and leases to core deposits | 104.8657% | 693 |
| Total domestic deposits to total assets | 86.9414% | 1,967 |
| Equity capital to assets | 11.1240% | 2,159 |
| Core capital (leverage) ratio | 10.5836% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9044% | 1,069 |
| Memoranda: | ||
| Average total assets | $118,453,400 | 3,764 |
| Average earning assets | $113,009,600 | 3,721 |
| Average equity | $13,204,400 | 3,843 |
| Average total loans | $91,583,800 | 3,377 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6180% | 177 |
| Cost of funding earning assets | 1.4734% | 133 |
| Net interest margin | 4.1446% | 816 |
| Noninterest income to average assets | 0.3017% | 3,677 |
| Noninterest expense to average assets | 3.5311% | 680 |
| Loan and lease loss provision to assets | 0.1517% | 2,497 |
| Net operating income to assets | 0.5797% | 3,831 |
| Return on assets (ROA) | 0.6113% | 3,829 |
| Pretax return on assets | 0.6113% | 4,084 |
| Return on Equity (ROE) | 5.4810% | 3,728 |
| Retained earnings to average equity (ytd only) | -1.3677% | 4,649 |
| Net charge-offs to loans | 0.0509% | 1,879 |
| Credit loss provision to net charge-offs | 382.8571% | 1,515 |
| Earnings coverage of net charge-offs (x) | 18.4857% | 1,958 |
| Efficiency ratio | 82.8473% | 684 |
| Assets per employee ($millions) | 6.2493% | 2,046 |
| Cash dividends to net income (ytd only)* | 124.9538% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.1004% | 1,226 |
| Net loans and leases to deposits | 84.3670% | 1,870 |
| Net loans and leases to core deposits | 101.8025% | 1,040 |
| Total domestic deposits to total assets | 89.0164% | 762 |
| Equity capital to assets | 10.5812% | 2,720 |
| Core capital (leverage) ratio | 10.4863% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2392% | 1,202 |
| Memoranda: | ||
| Average total assets | $117,994,500 | 3,765 |
| Average earning assets | $112,754,500 | 3,717 |
| Average equity | $13,160,250 | 3,852 |
| Average total loans | $91,637,250 | 3,390 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7426% | 215 |
| Cost of funding earning assets | 1.5476% | 143 |
| Net interest margin | 4.1951% | 937 |
| Noninterest income to average assets | 0.3458% | 3,403 |
| Noninterest expense to average assets | 3.5569% | 691 |
| Loan and lease loss provision to assets | 0.1643% | 2,359 |
| Net operating income to assets | 0.6277% | 3,646 |
| Return on assets (ROA) | 0.6761% | 3,582 |
| Pretax return on assets | 0.6761% | 3,919 |
| Return on Equity (ROE) | 5.9519% | 3,524 |
| Retained earnings to average equity (ytd only) | -3.8969% | 4,720 |
| Net charge-offs to loans | 0.0795% | 1,454 |
| Credit loss provision to net charge-offs | 263.8889% | 1,712 |
| Earnings coverage of net charge-offs (x) | 12.7222% | 2,036 |
| Efficiency ratio | 81.7893% | 767 |
| Assets per employee ($millions) | 5.9922% | 2,191 |
| Cash dividends to net income (ytd only)* | 165.4731% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.1060% | 1,854 |
| Net loans and leases to deposits | 79.7464% | 2,455 |
| Net loans and leases to core deposits | 96.3943% | 1,549 |
| Total domestic deposits to total assets | 89.1653% | 682 |
| Equity capital to assets | 10.4136% | 2,828 |
| Core capital (leverage) ratio | 10.7277% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5275% | 1,125 |
| Memoranda: | ||
| Average total assets | $115,664,000 | 3,779 |
| Average earning assets | $110,367,667 | 3,732 |
| Average equity | $13,138,667 | 3,856 |
| Average total loans | $90,563,333 | 3,398 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2688% | 112 |
| Cost of funding earning assets | 1.5139% | 251 |
| Net interest margin | 4.7548% | 297 |
| Noninterest income to average assets | 0.2062% | 4,314 |
| Noninterest expense to average assets | 3.9321% | 541 |
| Loan and lease loss provision to assets | 0.2351% | 1,320 |
| Net operating income to assets | 0.5607% | 3,708 |
| Return on assets (ROA) | 0.5607% | 3,774 |
| Pretax return on assets | 0.5607% | 4,002 |
| Return on Equity (ROE) | 4.7127% | 3,736 |
| Retained earnings to average equity (ytd only) | -11.6449% | 4,816 |
| Net charge-offs to loans | 0.1677% | 786 |
| Credit loss provision to net charge-offs | 171.0526% | 1,506 |
| Earnings coverage of net charge-offs (x) | 5.7895% | 2,027 |
| Efficiency ratio | 83.1676% | 892 |
| Assets per employee ($millions) | 5.3525% | 2,270 |
| Cash dividends to net income (ytd only)* | 347.0968% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,570 |
| Loan loss allowance to noncurrent loans | 88.6538% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1290% | 1,139 |
| Noncurrent loans to loans | 1.1570% | 1,432 |
| Net loans and leases to total assets | 79.1525% | 797 |
| Net loans and leases to deposits | 89.9122% | 1,523 |
| Net loans and leases to core deposits | 112.0869% | 751 |
| Total domestic deposits to total assets | 88.0331% | 1,095 |
| Equity capital to assets | 11.5381% | 2,405 |
| Core capital (leverage) ratio | 11.6459% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8214% | 1,171 |
| Memoranda: | ||
| Average total assets | $110,578,000 | 3,839 |
| Average earning assets | $105,156,500 | 3,799 |
| Average equity | $13,156,000 | 3,865 |
| Average total loans | $90,629,500 | 3,382 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4680% | 114 |
| Cost of funding earning assets | 1.2854% | 795 |
| Net interest margin | 5.1826% | 200 |
| Noninterest income to average assets | 0.2476% | 4,196 |
| Noninterest expense to average assets | 3.8349% | 639 |
| Loan and lease loss provision to assets | 0.1716% | 1,218 |
| Net operating income to assets | 1.1737% | 2,158 |
| Return on assets (ROA) | 1.1737% | 2,258 |
| Pretax return on assets | 1.1737% | 2,933 |
| Return on Equity (ROE) | 9.2720% | 2,623 |
| Retained earnings to average equity (ytd only) | 4.6360% | 2,625 |
| Net charge-offs to loans | 0.1194% | 1,558 |
| Credit loss provision to net charge-offs | 166.0377% | 1,565 |
| Earnings coverage of net charge-offs (x) | 13.0189% | 2,378 |
| Efficiency ratio | 74.0309% | 1,597 |
| Assets per employee ($millions) | 5.4377% | 2,114 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 3,612 |
| Loan loss allowance to noncurrent loans | 2,486.1111% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,467 |
| Noncurrent loans to loans | 0.0394% | 4,404 |
| Net loans and leases to total assets | 83.1905% | 402 |
| Net loans and leases to deposits | 95.2498% | 1,025 |
| Net loans and leases to core deposits | 119.1767% | 499 |
| Total domestic deposits to total assets | 87.3393% | 1,437 |
| Equity capital to assets | 12.2690% | 1,969 |
| Core capital (leverage) ratio | 12.2836% | 1,605 |
| Tier 1 risk-based capital ratio | 17.1936% | 1,996 |
| Total risk-based capital ratio | 18.3685% | 1,949 |
| Memoranda: | ||
| Average total assets | $102,584,800 | 3,960 |
| Average earning assets | $97,634,400 | 3,919 |
| Average equity | $12,985,400 | 3,887 |
| Average total loans | $88,813,000 | 3,428 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4651% | 117 |
| Cost of funding earning assets | 1.2497% | 912 |
| Net interest margin | 5.2154% | 194 |
| Noninterest income to average assets | 0.2547% | 4,213 |
| Noninterest expense to average assets | 3.9441% | 565 |
| Loan and lease loss provision to assets | 0.0594% | 2,706 |
| Net operating income to assets | 1.2127% | 2,151 |
| Return on assets (ROA) | 1.2127% | 2,223 |
| Pretax return on assets | 1.2127% | 2,944 |
| Return on Equity (ROE) | 9.5014% | 2,670 |
| Retained earnings to average equity (ytd only) | 4.7662% | 3,014 |
| Net charge-offs to loans | -0.0030% | 4,104 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6135% | 1,368 |
| Assets per employee ($millions) | 5.2821% | 2,247 |
| Cash dividends to net income (ytd only)* | 49.8368% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 3,851 |
| Loan loss allowance to noncurrent loans | 245.6338% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 3,186 |
| Noncurrent loans to loans | 0.3840% | 3,176 |
| Net loans and leases to total assets | 86.6832% | 153 |
| Net loans and leases to deposits | 99.5132% | 679 |
| Net loans and leases to core deposits | 122.6846% | 451 |
| Total domestic deposits to total assets | 87.1073% | 1,464 |
| Equity capital to assets | 12.4857% | 1,919 |
| Core capital (leverage) ratio | 12.8514% | 1,407 |
| Tier 1 risk-based capital ratio | 16.6858% | 2,191 |
| Total risk-based capital ratio | 17.8091% | 2,176 |
| Memoranda: | ||
| Average total assets | $101,042,500 | 4,031 |
| Average earning assets | $96,124,000 | 3,982 |
| Average equity | $12,896,000 | 3,935 |
| Average total loans | $88,174,250 | 3,481 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4544% | 119 |
| Cost of funding earning assets | 1.2305% | 917 |
| Net interest margin | 5.2239% | 187 |
| Noninterest income to average assets | 0.2613% | 4,191 |
| Noninterest expense to average assets | 3.9634% | 562 |
| Loan and lease loss provision to assets | 0.0603% | 2,619 |
| Net operating income to assets | 1.2119% | 2,105 |
| Return on assets (ROA) | 1.2119% | 2,167 |
| Pretax return on assets | 1.2119% | 2,876 |
| Return on Equity (ROE) | 9.4233% | 2,671 |
| Retained earnings to average equity (ytd only) | 4.6257% | 2,960 |
| Net charge-offs to loans | 0.0023% | 3,094 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 633.0000% | 122 |
| Efficiency ratio | 75.7006% | 1,437 |
| Assets per employee ($millions) | 5.1475% | 2,308 |
| Cash dividends to net income (ytd only)* | 50.9121% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 3,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 85.3919% | 261 |
| Net loans and leases to deposits | 98.1226% | 831 |
| Net loans and leases to core deposits | 121.3185% | 506 |
| Total domestic deposits to total assets | 87.0257% | 1,587 |
| Equity capital to assets | 12.6498% | 1,776 |
| Core capital (leverage) ratio | 12.6903% | 1,446 |
| Tier 1 risk-based capital ratio | 17.2747% | 2,004 |
| Total risk-based capital ratio | 18.4285% | 1,985 |
| Memoranda: | ||
| Average total assets | $99,509,670 | 4,078 |
| Average earning assets | $94,756,670 | 4,020 |
| Average equity | $12,798,000 | 3,954 |
| Average total loans | $86,750,670 | 3,535 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1512% | 172 |
| Cost of funding earning assets | 1.2037% | 896 |
| Net interest margin | 4.9476% | 309 |
| Noninterest income to average assets | 0.2372% | 4,315 |
| Noninterest expense to average assets | 3.9268% | 586 |
| Loan and lease loss provision to assets | 0.0614% | 2,430 |
| Net operating income to assets | 0.9735% | 2,957 |
| Return on assets (ROA) | 0.9735% | 2,998 |
| Pretax return on assets | 0.9735% | 3,526 |
| Return on Equity (ROE) | 7.5046% | 3,457 |
| Retained earnings to average equity (ytd only) | 2.6487% | 3,874 |
| Net charge-offs to loans | 0.0093% | 2,356 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 568 |
| Efficiency ratio | 79.1426% | 1,143 |
| Assets per employee ($millions) | 4.4845% | 3,214 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 3,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 84.8448% | 293 |
| Net loans and leases to deposits | 97.7337% | 808 |
| Net loans and leases to core deposits | 122.1109% | 481 |
| Total domestic deposits to total assets | 86.8122% | 1,904 |
| Equity capital to assets | 12.9233% | 1,499 |
| Core capital (leverage) ratio | 12.9140% | 1,315 |
| Tier 1 risk-based capital ratio | 18.4002% | 1,686 |
| Total risk-based capital ratio | 19.6266% | 1,635 |
| Memoranda: | ||
| Average total assets | $97,789,500 | 4,139 |
| Average earning assets | $93,379,500 | 4,090 |
| Average equity | $12,685,500 | 3,983 |
| Average total loans | $85,743,500 | 3,585 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9477% | 176 |
| Cost of funding earning assets | 0.9724% | 836 |
| Net interest margin | 4.9753% | 277 |
| Noninterest income to average assets | 0.2493% | 4,427 |
| Noninterest expense to average assets | 3.8042% | 679 |
| Loan and lease loss provision to assets | 0.0934% | 2,284 |
| Net operating income to assets | 1.0630% | 2,750 |
| Return on assets (ROA) | 1.0630% | 2,731 |
| Pretax return on assets | 1.0630% | 3,400 |
| Return on Equity (ROE) | 9.6731% | 2,655 |
| Retained earnings to average equity (ytd only) | -5.1455% | 5,247 |
| Net charge-offs to loans | 0.0277% | 2,855 |
| Credit loss provision to net charge-offs | 400.0000% | 824 |
| Earnings coverage of net charge-offs (x) | 49.5455% | 1,145 |
| Efficiency ratio | 76.6895% | 1,268 |
| Assets per employee ($millions) | 4.6152% | 2,997 |
| Cash dividends to net income (ytd only)* | 153.1936% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 3,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 88.8537% | 86 |
| Net loans and leases to deposits | 102.4154% | 564 |
| Net loans and leases to core deposits | 129.2718% | 334 |
| Total domestic deposits to total assets | 86.7582% | 1,891 |
| Equity capital to assets | 13.0221% | 1,334 |
| Core capital (leverage) ratio | 12.9014% | 1,283 |
| Tier 1 risk-based capital ratio | 18.0309% | 1,748 |
| Total risk-based capital ratio | 19.2222% | 1,721 |
| Memoranda: | ||
| Average total assets | $94,265,400 | 4,196 |
| Average earning assets | $89,261,000 | 4,157 |
| Average equity | $10,358,600 | 4,256 |
| Average total loans | $79,552,800 | 3,677 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7999% | 219 |
| Cost of funding earning assets | 0.9117% | 876 |
| Net interest margin | 4.8882% | 325 |
| Noninterest income to average assets | 0.2536% | 4,456 |
| Noninterest expense to average assets | 3.7505% | 708 |
| Loan and lease loss provision to assets | 0.0670% | 2,641 |
| Net operating income to assets | 1.0413% | 2,911 |
| Return on assets (ROA) | 1.0413% | 2,921 |
| Pretax return on assets | 1.0413% | 3,601 |
| Return on Equity (ROE) | 9.9524% | 2,642 |
| Retained earnings to average equity (ytd only) | -8.8633% | 5,376 |
| Net charge-offs to loans | 0.0034% | 3,344 |
| Credit loss provision to net charge-offs | 2,350.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 388.5056% | 243 |
| Efficiency ratio | 77.1914% | 1,208 |
| Assets per employee ($millions) | 4.4774% | 3,156 |
| Cash dividends to net income (ytd only)* | 189.0565% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,980 |
| Loan loss allowance to noncurrent loans | 7,309.0909% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,956 |
| Noncurrent loans to loans | 0.0132% | 4,857 |
| Net loans and leases to total assets | 83.8389% | 471 |
| Net loans and leases to deposits | 96.2730% | 1,123 |
| Net loans and leases to core deposits | 121.0096% | 546 |
| Total domestic deposits to total assets | 87.0845% | 1,688 |
| Equity capital to assets | 12.6525% | 1,493 |
| Core capital (leverage) ratio | 13.0800% | 1,246 |
| Tier 1 risk-based capital ratio | 18.3589% | 1,703 |
| Total risk-based capital ratio | 19.5527% | 1,674 |
| Memoranda: | ||
| Average total assets | $93,601,750 | 4,249 |
| Average earning assets | $88,182,750 | 4,220 |
| Average equity | $9,793,000 | 4,371 |
| Average total loans | $77,705,500 | 3,741 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 228 |
| Cost of funding earning assets | 0.8853% | 772 |
| Net interest margin | 4.8343% | 346 |
| Noninterest income to average assets | 0.2523% | 4,498 |
| Noninterest expense to average assets | 3.7056% | 749 |
| Loan and lease loss provision to assets | 0.0674% | 2,537 |
| Net operating income to assets | 1.0395% | 2,852 |
| Return on assets (ROA) | 1.0395% | 2,856 |
| Pretax return on assets | 1.0395% | 3,540 |
| Return on Equity (ROE) | 10.7380% | 2,213 |
| Retained earnings to average equity (ytd only) | -5.2567% | 5,304 |
| Net charge-offs to loans | 0.0158% | 2,609 |
| Credit loss provision to net charge-offs | 516.6667% | 694 |
| Earnings coverage of net charge-offs (x) | 84.8333% | 794 |
| Efficiency ratio | 76.9995% | 1,316 |
| Assets per employee ($millions) | 4.6066% | 2,958 |
| Cash dividends to net income (ytd only)* | 148.9540% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.7548% | 484 |
| Net loans and leases to deposits | 95.7157% | 1,175 |
| Net loans and leases to core deposits | 113.7355% | 803 |
| Total domestic deposits to total assets | 87.5038% | 1,643 |
| Equity capital to assets | 9.6438% | 3,971 |
| Core capital (leverage) ratio | 9.9395% | 3,649 |
| Tier 1 risk-based capital ratio | 14.2363% | 3,243 |
| Total risk-based capital ratio | 15.4874% | 3,163 |
| Memoranda: | ||
| Average total assets | $91,968,330 | 4,319 |
| Average earning assets | $86,754,670 | 4,280 |
| Average equity | $8,903,000 | 4,550 |
| Average total loans | $75,811,670 | 3,811 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6857% | 215 |
| Cost of funding earning assets | 0.8466% | 778 |
| Net interest margin | 4.8391% | 318 |
| Noninterest income to average assets | 0.2481% | 4,517 |
| Noninterest expense to average assets | 3.6785% | 792 |
| Loan and lease loss provision to assets | 0.0784% | 2,205 |
| Net operating income to assets | 1.0448% | 2,668 |
| Return on assets (ROA) | 1.0448% | 2,685 |
| Pretax return on assets | 1.0448% | 3,377 |
| Return on Equity (ROE) | 10.7720% | 2,059 |
| Retained earnings to average equity (ytd only) | -21.1849% | 5,514 |
| Net charge-offs to loans | 0.0321% | 1,856 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,028 |
| Efficiency ratio | 76.6092% | 1,500 |
| Assets per employee ($millions) | 4.3346% | 3,422 |
| Cash dividends to net income (ytd only)* | 296.6667% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 80.5695% | 860 |
| Net loans and leases to deposits | 89.1856% | 1,791 |
| Net loans and leases to core deposits | 104.8208% | 1,323 |
| Total domestic deposits to total assets | 90.3391% | 527 |
| Equity capital to assets | 9.5016% | 4,088 |
| Core capital (leverage) ratio | 9.7905% | 3,768 |
| Tier 1 risk-based capital ratio | 14.3534% | 3,197 |
| Total risk-based capital ratio | 15.6032% | 3,109 |
| Memoranda: | ||
| Average total assets | $91,886,500 | 4,372 |
| Average earning assets | $86,462,000 | 4,335 |
| Average equity | $8,912,000 | 4,595 |
| Average total loans | $74,743,000 | 3,870 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6587% | 208 |
| Cost of funding earning assets | 0.8093% | 586 |
| Net interest margin | 4.8494% | 309 |
| Noninterest income to average assets | 0.2813% | 4,447 |
| Noninterest expense to average assets | 3.6930% | 802 |
| Loan and lease loss provision to assets | 0.1228% | 1,864 |
| Net operating income to assets | 1.0263% | 2,129 |
| Return on assets (ROA) | 1.0263% | 2,163 |
| Pretax return on assets | 1.0263% | 3,471 |
| Return on Equity (ROE) | 10.2664% | 1,781 |
| Retained earnings to average equity (ytd only) | 8.4290% | 638 |
| Net charge-offs to loans | 0.0157% | 3,569 |
| Credit loss provision to net charge-offs | 972.7273% | 368 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 690 |
| Efficiency ratio | 76.2684% | 1,578 |
| Assets per employee ($millions) | 4.4165% | 3,324 |
| Cash dividends to net income (ytd only)* | 17.8971% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,898 |
| Loan loss allowance to noncurrent loans | 123.2143% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 2,324 |
| Noncurrent loans to loans | 0.8172% | 2,169 |
| Net loans and leases to total assets | 80.4531% | 898 |
| Net loans and leases to deposits | 93.8496% | 1,293 |
| Net loans and leases to core deposits | 108.2159% | 1,110 |
| Total domestic deposits to total assets | 85.7255% | 2,563 |
| Equity capital to assets | 9.8926% | 3,826 |
| Core capital (leverage) ratio | 10.2563% | 3,121 |
| Tier 1 risk-based capital ratio | 14.8999% | 2,891 |
| Total risk-based capital ratio | 16.1458% | 2,830 |
| Memoranda: | ||
| Average total assets | $87,109,600 | 4,473 |
| Average earning assets | $81,927,400 | 4,434 |
| Average equity | $8,708,000 | 4,662 |
| Average total loans | $70,012,200 | 3,961 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 227 |
| Cost of funding earning assets | 0.8175% | 519 |
| Net interest margin | 4.7704% | 363 |
| Noninterest income to average assets | 0.2909% | 4,449 |
| Noninterest expense to average assets | 3.7665% | 707 |
| Loan and lease loss provision to assets | 0.1431% | 1,474 |
| Net operating income to assets | 0.8572% | 3,249 |
| Return on assets (ROA) | 0.8572% | 3,294 |
| Pretax return on assets | 0.8572% | 4,192 |
| Return on Equity (ROE) | 8.5511% | 2,838 |
| Retained earnings to average equity (ytd only) | 6.0680% | 2,187 |
| Net charge-offs to loans | 0.0233% | 2,992 |
| Credit loss provision to net charge-offs | 766.6667% | 447 |
| Earnings coverage of net charge-offs (x) | 53.5819% | 1,071 |
| Efficiency ratio | 79.0144% | 1,212 |
| Assets per employee ($millions) | 4.6984% | 2,836 |
| Cash dividends to net income (ytd only)* | 29.0383% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,927 |
| Loan loss allowance to noncurrent loans | 4,370.5882% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 5,156 |
| Noncurrent loans to loans | 0.0235% | 5,016 |
| Net loans and leases to total assets | 80.2865% | 944 |
| Net loans and leases to deposits | 90.5383% | 1,742 |
| Net loans and leases to core deposits | 108.1810% | 1,126 |
| Total domestic deposits to total assets | 88.6769% | 1,026 |
| Equity capital to assets | 9.9452% | 3,971 |
| Core capital (leverage) ratio | 10.1449% | 3,387 |
| Tier 1 risk-based capital ratio | 15.1621% | 2,855 |
| Total risk-based capital ratio | 16.4139% | 2,784 |
| Memoranda: | ||
| Average total assets | $85,700,500 | 4,535 |
| Average earning assets | $80,411,000 | 4,502 |
| Average equity | $8,591,250 | 4,733 |
| Average total loans | $68,671,250 | 4,023 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4498% | 260 |
| Cost of funding earning assets | 0.7966% | 534 |
| Net interest margin | 4.6532% | 435 |
| Noninterest income to average assets | 0.2958% | 4,423 |
| Noninterest expense to average assets | 3.7415% | 728 |
| Loan and lease loss provision to assets | 0.1822% | 1,037 |
| Net operating income to assets | 0.7265% | 3,729 |
| Return on assets (ROA) | 0.7265% | 3,794 |
| Pretax return on assets | 0.7265% | 4,483 |
| Return on Equity (ROE) | 7.2272% | 3,437 |
| Retained earnings to average equity (ytd only) | 3.4606% | 3,649 |
| Net charge-offs to loans | 0.0356% | 2,483 |
| Credit loss provision to net charge-offs | 641.6667% | 534 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,422 |
| Efficiency ratio | 80.4580% | 1,163 |
| Assets per employee ($millions) | 4.5243% | 3,061 |
| Cash dividends to net income (ytd only)* | 52.1173% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.8657% | 825 |
| Net loans and leases to deposits | 90.5978% | 1,655 |
| Net loans and leases to core deposits | 108.9085% | 1,055 |
| Total domestic deposits to total assets | 89.2579% | 826 |
| Equity capital to assets | 10.0313% | 3,879 |
| Core capital (leverage) ratio | 10.0605% | 3,454 |
| Tier 1 risk-based capital ratio | 15.6403% | 2,647 |
| Total risk-based capital ratio | 16.8910% | 2,581 |
| Memoranda: | ||
| Average total assets | $84,511,000 | 4,584 |
| Average earning assets | $79,086,000 | 4,546 |
| Average equity | $8,495,670 | 4,768 |
| Average total loans | $67,423,670 | 4,078 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2327% | 362 |
| Cost of funding earning assets | 0.7249% | 743 |
| Net interest margin | 4.5078% | 516 |
| Noninterest income to average assets | 0.3008% | 4,412 |
| Noninterest expense to average assets | 3.5662% | 950 |
| Loan and lease loss provision to assets | 0.2339% | 658 |
| Net operating income to assets | 0.7161% | 3,630 |
| Return on assets (ROA) | 0.7161% | 3,671 |
| Pretax return on assets | 0.7161% | 4,396 |
| Return on Equity (ROE) | 7.1157% | 3,356 |
| Retained earnings to average equity (ytd only) | -0.4744% | 4,993 |
| Net charge-offs to loans | 0.0545% | 1,793 |
| Credit loss provision to net charge-offs | 544.4444% | 545 |
| Earnings coverage of net charge-offs (x) | 22.1111% | 1,432 |
| Efficiency ratio | 78.9641% | 1,493 |
| Assets per employee ($millions) | 4.5798% | 3,037 |
| Cash dividends to net income (ytd only)* | 106.6667% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.0952% | 1,404 |
| Net loans and leases to deposits | 84.3965% | 2,237 |
| Net loans and leases to core deposits | 104.0707% | 1,220 |
| Total domestic deposits to total assets | 90.1639% | 593 |
| Equity capital to assets | 9.6936% | 4,071 |
| Core capital (leverage) ratio | 10.6259% | 2,766 |
| Tier 1 risk-based capital ratio | 15.7413% | 2,645 |
| Total risk-based capital ratio | 16.9935% | 2,590 |
| Memoranda: | ||
| Average total assets | $83,786,000 | 4,644 |
| Average earning assets | $78,353,500 | 4,603 |
| Average equity | $8,432,000 | 4,821 |
| Average total loans | $66,015,000 | 4,129 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 478 |
| Cost of funding earning assets | 0.7586% | 608 |
| Net interest margin | 4.3661% | 831 |
| Noninterest income to average assets | 0.3100% | 4,517 |
| Noninterest expense to average assets | 3.9710% | 631 |
| Loan and lease loss provision to assets | 0.1003% | 2,376 |
| Net operating income to assets | 0.2784% | 5,265 |
| Return on assets (ROA) | 0.2810% | 5,327 |
| Pretax return on assets | 0.2810% | 5,387 |
| Return on Equity (ROE) | 2.5423% | 5,284 |
| Retained earnings to average equity (ytd only) | 0.1552% | 5,256 |
| Net charge-offs to loans | -0.0037% | 4,765 |
| Credit loss provision to net charge-offs | -3,800.0000% | 5,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2951% | 493 |
| Assets per employee ($millions) | 4.4753% | 3,151 |
| Cash dividends to net income (ytd only)* | 93.8967% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 4,205 |
| Loan loss allowance to noncurrent loans | 1,617.0732% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 5,138 |
| Noncurrent loans to loans | 0.0630% | 4,986 |
| Net loans and leases to total assets | 80.0052% | 893 |
| Net loans and leases to deposits | 92.2981% | 1,408 |
| Net loans and leases to core deposits | 102.7452% | 1,388 |
| Total domestic deposits to total assets | 86.6813% | 2,296 |
| Equity capital to assets | 10.4635% | 3,198 |
| Core capital (leverage) ratio | 10.7636% | 2,573 |
| Tier 1 risk-based capital ratio | 16.7597% | 2,247 |
| Total risk-based capital ratio | 18.0111% | 2,192 |
| Memoranda: | ||
| Average total assets | $75,799,200 | 4,820 |
| Average earning assets | $70,131,000 | 4,806 |
| Average equity | $8,378,400 | 4,869 |
| Average total loans | $54,407,200 | 4,443 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 619 |
| Cost of funding earning assets | 0.7666% | 591 |
| Net interest margin | 4.2223% | 1,075 |
| Noninterest income to average assets | 0.3199% | 4,484 |
| Noninterest expense to average assets | 4.0333% | 563 |
| Loan and lease loss provision to assets | 0.0250% | 3,745 |
| Net operating income to assets | 0.1590% | 5,538 |
| Return on assets (ROA) | 0.1626% | 5,590 |
| Pretax return on assets | 0.1626% | 5,608 |
| Return on Equity (ROE) | 1.4503% | 5,568 |
| Retained earnings to average equity (ytd only) | -1.7372% | 5,577 |
| Net charge-offs to loans | 0.0052% | 3,727 |
| Credit loss provision to net charge-offs | 700.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 51.4345% | 1,053 |
| Efficiency ratio | 95.6356% | 327 |
| Assets per employee ($millions) | 4.5934% | 2,935 |
| Cash dividends to net income (ytd only)* | 219.7808% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 4,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.7394% | 2,383 |
| Net loans and leases to deposits | 79.4486% | 3,025 |
| Net loans and leases to core deposits | 88.4758% | 2,716 |
| Total domestic deposits to total assets | 89.0380% | 889 |
| Equity capital to assets | 10.7661% | 3,290 |
| Core capital (leverage) ratio | 10.8163% | 2,667 |
| Tier 1 risk-based capital ratio | 18.3607% | 1,815 |
| Total risk-based capital ratio | 19.6121% | 1,784 |
| Memoranda: | ||
| Average total assets | $74,610,000 | 4,874 |
| Average earning assets | $68,870,000 | 4,865 |
| Average equity | $8,365,750 | 4,922 |
| Average total loans | $51,731,000 | 4,562 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 684 |
| Cost of funding earning assets | 0.7754% | 554 |
| Net interest margin | 4.1494% | 1,234 |
| Noninterest income to average assets | 0.3159% | 4,520 |
| Noninterest expense to average assets | 4.1742% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0408% | 5,788 |
| Return on assets (ROA) | -0.0408% | 5,810 |
| Pretax return on assets | -0.0408% | 5,806 |
| Return on Equity (ROE) | -0.3592% | 5,812 |
| Retained earnings to average equity (ytd only) | -5.1485% | 5,749 |
| Net charge-offs to loans | -0.0040% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9881% | 228 |
| Assets per employee ($millions) | 3.4948% | 4,757 |
| Cash dividends to net income (ytd only)* | -1,333.3333% | 6,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 66.9272% | 2,950 |
| Net loans and leases to deposits | 75.2075% | 3,460 |
| Net loans and leases to core deposits | 83.8950% | 3,095 |
| Total domestic deposits to total assets | 88.9901% | 922 |
| Equity capital to assets | 10.8175% | 3,267 |
| Core capital (leverage) ratio | 10.8809% | 2,555 |
| Tier 1 risk-based capital ratio | 19.0687% | 1,678 |
| Total risk-based capital ratio | 20.3205% | 1,644 |
| Memoranda: | ||
| Average total assets | $73,450,670 | 4,947 |
| Average earning assets | $67,576,670 | 4,943 |
| Average equity | $8,352,000 | 4,957 |
| Average total loans | $50,362,670 | 4,632 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 790 |
| Cost of funding earning assets | 0.7887% | 517 |
| Net interest margin | 4.0467% | 1,489 |
| Noninterest income to average assets | 0.3067% | 4,533 |
| Noninterest expense to average assets | 4.1097% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0836% | 5,838 |
| Return on assets (ROA) | -0.0836% | 5,853 |
| Pretax return on assets | -0.0836% | 5,853 |
| Return on Equity (ROE) | -0.7169% | 5,857 |
| Retained earnings to average equity (ytd only) | -10.2754% | 5,812 |
| Net charge-offs to loans | -0.0081% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0776% | 240 |
| Assets per employee ($millions) | 3.3327% | 5,076 |
| Cash dividends to net income (ytd only)* | -1,333.3333% | 6,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 3,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 65.5696% | 3,017 |
| Net loans and leases to deposits | 74.0458% | 3,433 |
| Net loans and leases to core deposits | 83.1129% | 3,028 |
| Total domestic deposits to total assets | 88.5528% | 1,330 |
| Equity capital to assets | 11.2958% | 2,634 |
| Core capital (leverage) ratio | 11.4080% | 2,044 |
| Tier 1 risk-based capital ratio | 19.9125% | 1,516 |
| Total risk-based capital ratio | 21.1651% | 1,488 |
| Memoranda: | ||
| Average total assets | $71,733,500 | 5,037 |
| Average earning assets | $65,929,500 | 5,025 |
| Average equity | $8,369,500 | 4,985 |
| Average total loans | $49,522,500 | 4,691 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3012% | 364 |
| Cost of funding earning assets | 0.7281% | 708 |
| Net interest margin | 4.5731% | 580 |
| Noninterest income to average assets | 0.3542% | 4,371 |
| Noninterest expense to average assets | 4.0351% | 636 |
| Loan and lease loss provision to assets | 0.0837% | 2,617 |
| Net operating income to assets | 0.4498% | 4,883 |
| Return on assets (ROA) | 0.4498% | 4,967 |
| Pretax return on assets | 0.4498% | 5,227 |
| Return on Equity (ROE) | 3.9879% | 4,950 |
| Retained earnings to average equity (ytd only) | 1.7224% | 4,743 |
| Net charge-offs to loans | -0.0061% | 5,012 |
| Credit loss provision to net charge-offs | -1,866.6667% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3219% | 812 |
| Assets per employee ($millions) | 3.3404% | 5,084 |
| Cash dividends to net income (ytd only)* | 56.8106% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 3,696 |
| Loan loss allowance to noncurrent loans | 149.6164% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 3,424 |
| Noncurrent loans to loans | 0.7760% | 2,847 |
| Net loans and leases to total assets | 70.9913% | 2,200 |
| Net loans and leases to deposits | 80.8347% | 2,730 |
| Net loans and leases to core deposits | 89.7279% | 2,425 |
| Total domestic deposits to total assets | 87.8229% | 1,735 |
| Equity capital to assets | 12.0559% | 1,917 |
| Core capital (leverage) ratio | 11.8119% | 1,752 |
| Tier 1 risk-based capital ratio | 19.5145% | 1,583 |
| Total risk-based capital ratio | 20.7698% | 1,548 |
| Memoranda: | ||
| Average total assets | $66,912,800 | 5,160 |
| Average earning assets | $61,665,200 | 5,139 |
| Average equity | $7,547,800 | 5,137 |
| Average total loans | $48,889,200 | 4,708 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 392 |
| Cost of funding earning assets | 0.7184% | 763 |
| Net interest margin | 4.5486% | 592 |
| Noninterest income to average assets | 0.3509% | 4,435 |
| Noninterest expense to average assets | 4.0118% | 653 |
| Loan and lease loss provision to assets | 0.0928% | 2,311 |
| Net operating income to assets | 0.4478% | 4,981 |
| Return on assets (ROA) | 0.4478% | 5,064 |
| Pretax return on assets | 0.4478% | 5,354 |
| Return on Equity (ROE) | 4.0433% | 5,015 |
| Retained earnings to average equity (ytd only) | 0.9289% | 5,340 |
| Net charge-offs to loans | -0.0027% | 4,743 |
| Credit loss provision to net charge-offs | -4,600.0000% | 5,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1258% | 833 |
| Assets per employee ($millions) | 3.9249% | 4,028 |
| Cash dividends to net income (ytd only)* | 77.0263% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 4,098 |
| Loan loss allowance to noncurrent loans | 57,300.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,826 |
| Noncurrent loans to loans | 0.0020% | 5,665 |
| Net loans and leases to total assets | 71.4476% | 2,149 |
| Net loans and leases to deposits | 81.2402% | 2,734 |
| Net loans and leases to core deposits | 90.0908% | 2,456 |
| Total domestic deposits to total assets | 87.9460% | 1,594 |
| Equity capital to assets | 11.8728% | 2,194 |
| Core capital (leverage) ratio | 12.0303% | 1,658 |
| Tier 1 risk-based capital ratio | 19.3933% | 1,685 |
| Total risk-based capital ratio | 20.6441% | 1,659 |
| Memoranda: | ||
| Average total assets | $66,104,000 | 5,235 |
| Average earning assets | $61,057,500 | 5,221 |
| Average equity | $7,320,500 | 5,251 |
| Average total loans | $48,515,500 | 4,767 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3483% | 333 |
| Cost of funding earning assets | 0.7131% | 789 |
| Net interest margin | 4.6352% | 497 |
| Noninterest income to average assets | 0.3220% | 4,646 |
| Noninterest expense to average assets | 4.0812% | 616 |
| Loan and lease loss provision to assets | 0.0929% | 2,266 |
| Net operating income to assets | 0.4149% | 5,097 |
| Return on assets (ROA) | 0.4149% | 5,198 |
| Pretax return on assets | 0.4149% | 5,435 |
| Return on Equity (ROE) | 3.8480% | 5,077 |
| Retained earnings to average equity (ytd only) | -1.0625% | 5,702 |
| Net charge-offs to loans | -0.0084% | 4,880 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9339% | 833 |
| Assets per employee ($millions) | 4.3196% | 3,265 |
| Cash dividends to net income (ytd only)* | 127.6119% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 4,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 71.4081% | 2,087 |
| Net loans and leases to deposits | 79.5734% | 2,848 |
| Net loans and leases to core deposits | 88.6576% | 2,491 |
| Total domestic deposits to total assets | 89.7387% | 770 |
| Equity capital to assets | 10.0949% | 3,927 |
| Core capital (leverage) ratio | 10.8607% | 2,557 |
| Tier 1 risk-based capital ratio | 16.7724% | 2,498 |
| Total risk-based capital ratio | 18.0249% | 2,452 |
| Memoranda: | ||
| Average total assets | $64,589,000 | 5,332 |
| Average earning assets | $59,457,670 | 5,321 |
| Average equity | $6,964,670 | 5,366 |
| Average total loans | $47,670,670 | 4,828 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4208% | 290 |
| Cost of funding earning assets | 0.7204% | 770 |
| Net interest margin | 4.7004% | 410 |
| Noninterest income to average assets | 0.4236% | 3,820 |
| Noninterest expense to average assets | 4.1395% | 589 |
| Loan and lease loss provision to assets | 0.0963% | 2,083 |
| Net operating income to assets | 0.5006% | 4,683 |
| Return on assets (ROA) | 0.5006% | 4,805 |
| Pretax return on assets | 0.5006% | 5,178 |
| Return on Equity (ROE) | 4.4837% | 4,764 |
| Retained earnings to average equity (ytd only) | -5.2885% | 5,952 |
| Net charge-offs to loans | -0.0172% | 4,973 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3984% | 1,067 |
| Assets per employee ($millions) | 3.4862% | 4,920 |
| Cash dividends to net income (ytd only)* | 217.9487% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 4,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 5,349 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 74.6155% | 1,414 |
| Net loans and leases to deposits | 83.9857% | 2,079 |
| Net loans and leases to core deposits | 95.2926% | 1,674 |
| Total domestic deposits to total assets | 88.8432% | 1,368 |
| Equity capital to assets | 11.0102% | 2,958 |
| Core capital (leverage) ratio | 11.1393% | 2,279 |
| Tier 1 risk-based capital ratio | 17.9861% | 2,140 |
| Total risk-based capital ratio | 19.2391% | 2,095 |
| Memoranda: | ||
| Average total assets | $62,326,500 | 5,442 |
| Average earning assets | $57,187,000 | 5,441 |
| Average equity | $6,958,500 | 5,411 |
| Average total loans | $46,550,500 | 4,895 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6912% | 226 |
| Cost of funding earning assets | 0.7394% | 901 |
| Net interest margin | 4.9518% | 327 |
| Noninterest income to average assets | 0.5199% | 3,362 |
| Noninterest expense to average assets | 4.2348% | 585 |
| Loan and lease loss provision to assets | 0.1026% | 2,442 |
| Net operating income to assets | 0.6397% | 4,192 |
| Return on assets (ROA) | 0.6397% | 4,293 |
| Pretax return on assets | 0.6841% | 4,680 |
| Return on Equity (ROE) | 5.5223% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.5223% | 2,247 |
| Net charge-offs to loans | -0.0068% | 5,507 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3324% | 1,368 |
| Assets per employee ($millions) | 3.6413% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 4,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 5,410 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 73.0348% | 1,751 |
| Net loans and leases to deposits | 82.4789% | 2,409 |
| Net loans and leases to core deposits | 94.1698% | 1,906 |
| Total domestic deposits to total assets | 88.5496% | 1,496 |
| Equity capital to assets | 11.3211% | 2,589 |
| Core capital (leverage) ratio | 11.0913% | 2,326 |
| Tier 1 risk-based capital ratio | 17.9758% | 2,147 |
| Total risk-based capital ratio | 19.2267% | 2,110 |
| Memoranda: | ||
| Average total assets | $58,468,200 | 5,585 |
| Average earning assets | $53,152,000 | 5,590 |
| Average equity | $6,772,600 | 5,462 |
| Average total loans | $43,883,000 | 5,039 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8105% | 191 |
| Cost of funding earning assets | 0.7279% | 1,002 |
| Net interest margin | 5.0826% | 257 |
| Noninterest income to average assets | 0.5138% | 3,451 |
| Noninterest expense to average assets | 4.2931% | 555 |
| Loan and lease loss provision to assets | 0.1435% | 1,749 |
| Net operating income to assets | 0.6665% | 4,119 |
| Return on assets (ROA) | 0.6665% | 4,221 |
| Pretax return on assets | 0.6827% | 4,753 |
| Return on Equity (ROE) | 5.7195% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.7195% | 2,589 |
| Net charge-offs to loans | -0.0031% | 5,223 |
| Credit loss provision to net charge-offs | -6,200.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8608% | 1,404 |
| Assets per employee ($millions) | 3.4889% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 4,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 4,269 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 71.3476% | 1,960 |
| Net loans and leases to deposits | 80.2978% | 2,646 |
| Net loans and leases to core deposits | 91.9231% | 2,045 |
| Total domestic deposits to total assets | 88.8537% | 1,330 |
| Equity capital to assets | 10.9266% | 3,030 |
| Core capital (leverage) ratio | 11.5421% | 2,031 |
| Tier 1 risk-based capital ratio | 17.8660% | 2,248 |
| Total risk-based capital ratio | 19.1168% | 2,214 |
| Memoranda: | ||
| Average total assets | $57,609,750 | 5,674 |
| Average earning assets | $52,202,750 | 5,677 |
| Average equity | $6,713,750 | 5,530 |
| Average total loans | $43,419,750 | 5,114 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7673% | 195 |
| Cost of funding earning assets | 0.7169% | 1,106 |
| Net interest margin | 5.0503% | 258 |
| Noninterest income to average assets | 0.5297% | 3,269 |
| Noninterest expense to average assets | 4.3952% | 504 |
| Loan and lease loss provision to assets | 0.1360% | 1,821 |
| Net operating income to assets | 0.5619% | 4,536 |
| Return on assets (ROA) | 0.5619% | 4,641 |
| Pretax return on assets | 0.5619% | 5,090 |
| Return on Equity (ROE) | 4.7117% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.7117% | 3,147 |
| Net charge-offs to loans | -0.0140% | 5,424 |
| Credit loss provision to net charge-offs | -1,266.6667% | 5,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2966% | 1,243 |
| Assets per employee ($millions) | 3.2414% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 5,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 4,237 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 82.1030% | 458 |
| Net loans and leases to deposits | 93.1548% | 1,037 |
| Net loans and leases to core deposits | 107.9675% | 766 |
| Total domestic deposits to total assets | 88.1361% | 1,826 |
| Equity capital to assets | 11.6548% | 2,280 |
| Core capital (leverage) ratio | 12.0422% | 1,629 |
| Tier 1 risk-based capital ratio | 17.0497% | 2,598 |
| Total risk-based capital ratio | 18.3007% | 2,557 |
| Memoranda: | ||
| Average total assets | $55,879,330 | 5,764 |
| Average earning assets | $50,492,000 | 5,770 |
| Average equity | $6,664,330 | 5,569 |
| Average total loans | $42,782,000 | 5,170 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4096% | 341 |
| Cost of funding earning assets | 0.7077% | 1,201 |
| Net interest margin | 4.7019% | 468 |
| Noninterest income to average assets | 0.4904% | 3,492 |
| Noninterest expense to average assets | 4.3699% | 519 |
| Loan and lease loss provision to assets | 0.1098% | 2,103 |
| Net operating income to assets | 0.2416% | 5,690 |
| Return on assets (ROA) | 0.2416% | 5,735 |
| Pretax return on assets | 0.2416% | 5,850 |
| Return on Equity (ROE) | 2.0011% | 5,786 |
| Retained earnings to average equity (ytd only) | 2.0011% | 4,805 |
| Net charge-offs to loans | -0.0100% | 5,047 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5581% | 841 |
| Assets per employee ($millions) | 3.0586% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 4,887 |
| Loan loss allowance to noncurrent loans | 47,900.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 4,267 |
| Noncurrent loans to loans | 0.0024% | 6,191 |
| Net loans and leases to total assets | 74.9632% | 1,131 |
| Net loans and leases to deposits | 85.4366% | 1,671 |
| Net loans and leases to core deposits | 98.8314% | 1,183 |
| Total domestic deposits to total assets | 87.7413% | 2,390 |
| Equity capital to assets | 12.0625% | 1,832 |
| Core capital (leverage) ratio | 12.3340% | 1,463 |
| Tier 1 risk-based capital ratio | 17.6563% | 2,431 |
| Total risk-based capital ratio | 18.9077% | 2,394 |
| Memoranda: | ||
| Average total assets | $54,646,500 | 5,854 |
| Average earning assets | $49,171,500 | 5,864 |
| Average equity | $6,596,500 | 5,617 |
| Average total loans | $39,969,500 | 5,326 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2917% | 540 |
| Cost of funding earning assets | 0.6728% | 2,019 |
| Net interest margin | 4.6190% | 589 |
| Noninterest income to average assets | 0.6042% | 3,073 |
| Noninterest expense to average assets | 4.5836% | 490 |
| Loan and lease loss provision to assets | 0.2699% | 1,309 |
| Net operating income to assets | -0.0909% | 6,294 |
| Return on assets (ROA) | 0.5236% | 4,751 |
| Pretax return on assets | 0.7129% | 4,493 |
| Return on Equity (ROE) | 3.9171% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.9171% | 3,419 |
| Net charge-offs to loans | -0.0363% | 6,263 |
| Credit loss provision to net charge-offs | -1,116.6667% | 6,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0162% | 587 |
| Assets per employee ($millions) | 2.8546% | 6,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 4,599 |
| Loan loss allowance to noncurrent loans | 23,150.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 4,341 |
| Noncurrent loans to loans | 0.0052% | 6,288 |
| Net loans and leases to total assets | 69.5564% | 2,087 |
| Net loans and leases to deposits | 79.4382% | 2,529 |
| Net loans and leases to core deposits | 91.5769% | 1,837 |
| Total domestic deposits to total assets | 87.5604% | 2,443 |
| Equity capital to assets | 12.0801% | 1,751 |
| Core capital (leverage) ratio | 12.4974% | 1,364 |
| Tier 1 risk-based capital ratio | 18.7472% | 1,995 |
| Total risk-based capital ratio | 19.9989% | 1,954 |
| Memoranda: | ||
| Average total assets | $49,655,000 | 6,021 |
| Average earning assets | $44,295,400 | 6,042 |
| Average equity | $6,637,600 | 5,664 |
| Average total loans | $33,078,600 | 5,619 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2343% | 602 |
| Cost of funding earning assets | 0.6562% | 2,308 |
| Net interest margin | 4.5781% | 644 |
| Noninterest income to average assets | 0.5964% | 3,167 |
| Noninterest expense to average assets | 4.5461% | 500 |
| Loan and lease loss provision to assets | 0.3518% | 909 |
| Net operating income to assets | -0.1608% | 6,439 |
| Return on assets (ROA) | 0.5744% | 4,585 |
| Pretax return on assets | 0.9125% | 3,827 |
| Return on Equity (ROE) | 4.1847% | 5,137 |
| Retained earnings to average equity (ytd only) | 4.1847% | 3,706 |
| Net charge-offs to loans | 0.0377% | 4,390 |
| Credit loss provision to net charge-offs | 1,422.2222% | 225 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,381 |
| Efficiency ratio | 97.5236% | 545 |
| Assets per employee ($millions) | 2.9319% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 4,882 |
| Loan loss allowance to noncurrent loans | 21,800.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 4,493 |
| Noncurrent loans to loans | 0.0055% | 6,370 |
| Net loans and leases to total assets | 68.2558% | 2,257 |
| Net loans and leases to deposits | 78.3053% | 2,610 |
| Net loans and leases to core deposits | 90.7172% | 1,900 |
| Total domestic deposits to total assets | 87.1663% | 2,589 |
| Equity capital to assets | 12.2842% | 1,725 |
| Core capital (leverage) ratio | 14.0601% | 857 |
| Tier 1 risk-based capital ratio | 19.6321% | 1,831 |
| Total risk-based capital ratio | 20.8820% | 1,791 |
| Memoranda: | ||
| Average total assets | $48,509,250 | 6,125 |
| Average earning assets | $43,073,500 | 6,146 |
| Average equity | $6,659,000 | 5,730 |
| Average total loans | $31,801,000 | 5,736 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1819% | 657 |
| Cost of funding earning assets | 0.6693% | 2,326 |
| Net interest margin | 4.5127% | 698 |
| Noninterest income to average assets | 0.5607% | 3,436 |
| Noninterest expense to average assets | 4.3154% | 615 |
| Loan and lease loss provision to assets | 0.1359% | 2,626 |
| Net operating income to assets | 0.0936% | 6,143 |
| Return on assets (ROA) | 1.3719% | 1,219 |
| Pretax return on assets | 1.8944% | 758 |
| Return on Equity (ROE) | 9.6164% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.6164% | 937 |
| Net charge-offs to loans | 0.1388% | 2,989 |
| Credit loss provision to net charge-offs | 152.3810% | 1,516 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 3,565 |
| Efficiency ratio | 94.4238% | 747 |
| Assets per employee ($millions) | 2.9295% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 5,918 |
| Loan loss allowance to noncurrent loans | 10,933.3333% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 4,363 |
| Noncurrent loans to loans | 0.0089% | 6,410 |
| Net loans and leases to total assets | 71.1790% | 1,695 |
| Net loans and leases to deposits | 83.4304% | 1,875 |
| Net loans and leases to core deposits | 85.1792% | 2,414 |
| Total domestic deposits to total assets | 85.3153% | 3,736 |
| Equity capital to assets | 14.1577% | 918 |
| Core capital (leverage) ratio | 14.4229% | 720 |
| Tier 1 risk-based capital ratio | 21.1542% | 1,459 |
| Total risk-based capital ratio | 22.2410% | 1,473 |
| Memoranda: | ||
| Average total assets | $47,087,330 | 6,208 |
| Average earning assets | $41,837,670 | 6,231 |
| Average equity | $6,717,670 | 5,754 |
| Average total loans | $30,248,670 | 5,839 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 707 |
| Cost of funding earning assets | 0.6607% | 2,560 |
| Net interest margin | 4.4641% | 720 |
| Noninterest income to average assets | 0.5340% | 3,544 |
| Noninterest expense to average assets | 4.2547% | 660 |
| Loan and lease loss provision to assets | 0.1441% | 2,438 |
| Net operating income to assets | 0.1441% | 6,060 |
| Return on assets (ROA) | 0.3475% | 5,506 |
| Pretax return on assets | 0.3475% | 5,729 |
| Return on Equity (ROE) | 2.4266% | 5,805 |
| Retained earnings to average equity (ytd only) | 2.4266% | 4,816 |
| Net charge-offs to loans | 0.1683% | 2,396 |
| Credit loss provision to net charge-offs | 141.6667% | 1,421 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 2,928 |
| Efficiency ratio | 93.6567% | 857 |
| Assets per employee ($millions) | 3.6802% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,634 |
| Loan loss allowance to noncurrent loans | 8,050.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 4,098 |
| Noncurrent loans to loans | 0.0136% | 6,459 |
| Net loans and leases to total assets | 60.9590% | 3,256 |
| Net loans and leases to deposits | 71.3353% | 3,272 |
| Net loans and leases to core deposits | 74.6589% | 3,498 |
| Total domestic deposits to total assets | 85.4542% | 3,818 |
| Equity capital to assets | 14.1403% | 982 |
| Core capital (leverage) ratio | 13.9245% | 817 |
| Tier 1 risk-based capital ratio | 22.8005% | 1,191 |
| Total risk-based capital ratio | 24.0017% | 1,180 |
| Memoranda: | ||
| Average total assets | $47,195,000 | 6,261 |
| Average earning assets | $42,382,500 | 6,268 |
| Average equity | $6,758,500 | 5,803 |
| Average total loans | $28,527,500 | 5,954 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 2,062 |
| Cost of funding earning assets | 0.7826% | 2,803 |
| Net interest margin | 4.0569% | 2,157 |
| Noninterest income to average assets | 0.5728% | 3,434 |
| Noninterest expense to average assets | 4.3325% | 657 |
| Loan and lease loss provision to assets | 0.0900% | 4,568 |
| Net operating income to assets | -0.1339% | 6,321 |
| Return on assets (ROA) | 0.2787% | 5,761 |
| Pretax return on assets | 0.2151% | 5,971 |
| Return on Equity (ROE) | 1.8865% | 5,938 |
| Retained earnings to average equity (ytd only) | 1.8865% | 4,895 |
| Net charge-offs to loans | -0.0721% | 6,776 |
| Credit loss provision to net charge-offs | -241.1765% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5455% | 479 |
| Assets per employee ($millions) | 3.1032% | 5,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 5,346 |
| Loan loss allowance to noncurrent loans | 333.6842% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 4,210 |
| Noncurrent loans to loans | 0.3446% | 5,622 |
| Net loans and leases to total assets | 58.5460% | 3,872 |
| Net loans and leases to deposits | 68.7800% | 3,866 |
| Net loans and leases to core deposits | 70.2299% | 4,278 |
| Total domestic deposits to total assets | 85.1207% | 3,810 |
| Equity capital to assets | 14.5055% | 872 |
| Core capital (leverage) ratio | 13.7939% | 861 |
| Tier 1 risk-based capital ratio | 23.7265% | 1,005 |
| Total risk-based capital ratio | 24.9660% | 981 |
| Memoranda: | ||
| Average total assets | $45,562,400 | 6,338 |
| Average earning assets | $41,017,000 | 6,329 |
| Average equity | $6,732,000 | 5,834 |
| Average total loans | $23,562,400 | 6,264 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 2,639 |
| Cost of funding earning assets | 0.8061% | 2,892 |
| Net interest margin | 3.9291% | 2,807 |
| Noninterest income to average assets | 0.5884% | 3,353 |
| Noninterest expense to average assets | 4.3221% | 648 |
| Loan and lease loss provision to assets | 0.0765% | 4,685 |
| Net operating income to assets | -0.2825% | 6,559 |
| Return on assets (ROA) | 0.1765% | 6,129 |
| Pretax return on assets | 0.1765% | 6,161 |
| Return on Equity (ROE) | 1.1892% | 6,220 |
| Retained earnings to average equity (ytd only) | 1.1892% | 5,703 |
| Net charge-offs to loans | -0.1005% | 6,851 |
| Credit loss provision to net charge-offs | -152.9412% | 6,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0036% | 403 |
| Assets per employee ($millions) | 3.2126% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 5,737 |
| Loan loss allowance to noncurrent loans | 314.5833% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9561% | 4,369 |
| Noncurrent loans to loans | 0.3479% | 5,779 |
| Net loans and leases to total assets | 60.6790% | 3,639 |
| Net loans and leases to deposits | 71.8714% | 3,628 |
| Net loans and leases to core deposits | 73.4498% | 4,056 |
| Total domestic deposits to total assets | 84.4273% | 4,018 |
| Equity capital to assets | 15.0125% | 821 |
| Core capital (leverage) ratio | 14.0940% | 801 |
| Tier 1 risk-based capital ratio | 22.9190% | 1,181 |
| Total risk-based capital ratio | 24.0712% | 1,180 |
| Memoranda: | ||
| Average total assets | $45,316,000 | 6,416 |
| Average earning assets | $40,687,000 | 6,406 |
| Average equity | $6,727,000 | 5,899 |
| Average total loans | $22,560,750 | 6,393 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 3,877 |
| Cost of funding earning assets | 0.8211% | 3,021 |
| Net interest margin | 3.6530% | 4,022 |
| Noninterest income to average assets | 0.5107% | 3,857 |
| Noninterest expense to average assets | 4.1999% | 727 |
| Loan and lease loss provision to assets | 0.0484% | 5,070 |
| Net operating income to assets | -0.4667% | 6,717 |
| Return on assets (ROA) | -0.0792% | 6,524 |
| Pretax return on assets | -0.0792% | 6,504 |
| Return on Equity (ROE) | -0.5358% | 6,504 |
| Retained earnings to average equity (ytd only) | -0.5358% | 6,131 |
| Net charge-offs to loans | -0.1628% | 6,964 |
| Credit loss provision to net charge-offs | -64.7059% | 6,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0594% | 316 |
| Assets per employee ($millions) | 3.2769% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 5,448 |
| Loan loss allowance to noncurrent loans | 82.4713% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.4932% | 3,463 |
| Noncurrent loans to loans | 1.4300% | 3,773 |
| Net loans and leases to total assets | 52.4217% | 5,045 |
| Net loans and leases to deposits | 61.7116% | 5,040 |
| Net loans and leases to core deposits | 63.4522% | 5,265 |
| Total domestic deposits to total assets | 84.9464% | 3,886 |
| Equity capital to assets | 14.5828% | 896 |
| Core capital (leverage) ratio | 13.9885% | 810 |
| Tier 1 risk-based capital ratio | 24.5723% | 951 |
| Total risk-based capital ratio | 25.7686% | 939 |
| Memoranda: | ||
| Average total assets | $45,429,330 | 6,453 |
| Average earning assets | $40,679,330 | 6,457 |
| Average equity | $6,718,670 | 5,925 |
| Average total loans | $20,883,330 | 6,514 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 4,555 |
| Cost of funding earning assets | 0.8368% | 3,173 |
| Net interest margin | 3.5047% | 4,672 |
| Noninterest income to average assets | 0.5221% | 3,771 |
| Noninterest expense to average assets | 4.2915% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6194% | 6,881 |
| Return on assets (ROA) | -0.6194% | 6,904 |
| Pretax return on assets | -0.6194% | 6,870 |
| Return on Equity (ROE) | -4.1586% | 6,820 |
| Retained earnings to average equity (ytd only) | -4.1586% | 6,516 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.8675% | 254 |
| Assets per employee ($millions) | 3.2566% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 5,231 |
| Loan loss allowance to noncurrent loans | 99.2337% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 3,913 |
| Noncurrent loans to loans | 1.2622% | 4,222 |
| Net loans and leases to total assets | 44.7886% | 5,917 |
| Net loans and leases to deposits | 52.8140% | 5,912 |
| Net loans and leases to core deposits | 54.3114% | 6,034 |
| Total domestic deposits to total assets | 84.8044% | 4,121 |
| Equity capital to assets | 14.6780% | 813 |
| Core capital (leverage) ratio | 13.9773% | 809 |
| Tier 1 risk-based capital ratio | 26.3570% | 777 |
| Total risk-based capital ratio | 27.5329% | 768 |
| Memoranda: | ||
| Average total assets | $45,206,000 | 6,502 |
| Average earning assets | $40,631,500 | 6,501 |
| Average equity | $6,733,000 | 5,955 |
| Average total loans | $19,157,000 | 6,648 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 5,630 |
| Cost of funding earning assets | 1.0188% | 3,247 |
| Net interest margin | 3.3222% | 5,748 |
| Noninterest income to average assets | 0.4654% | 4,091 |
| Noninterest expense to average assets | 3.6346% | 1,675 |
| Loan and lease loss provision to assets | 0.0044% | 6,462 |
| Net operating income to assets | -0.0399% | 6,092 |
| Return on assets (ROA) | 0.2438% | 5,589 |
| Pretax return on assets | 0.1019% | 5,965 |
| Return on Equity (ROE) | 1.6192% | 5,806 |
| Retained earnings to average equity (ytd only) | -2.3552% | 6,199 |
| Net charge-offs to loans | 0.1604% | 4,860 |
| Credit loss provision to net charge-offs | 6.8966% | 6,030 |
| Earnings coverage of net charge-offs (x) | -2.7586% | 6,315 |
| Efficiency ratio | 105.1282% | 534 |
| Assets per employee ($millions) | 3.2014% | 5,702 |
| Cash dividends to net income (ytd only)* | 245.4545% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 4,151 |
| Loan loss allowance to noncurrent loans | 74.2120% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5462% | 3,630 |
| Noncurrent loans to loans | 1.9790% | 3,237 |
| Net loans and leases to total assets | 38.7684% | 6,614 |
| Net loans and leases to deposits | 45.9439% | 6,629 |
| Net loans and leases to core deposits | 47.2726% | 6,680 |
| Total domestic deposits to total assets | 84.3820% | 4,150 |
| Equity capital to assets | 15.1138% | 750 |
| Core capital (leverage) ratio | 14.0828% | 806 |
| Tier 1 risk-based capital ratio | 29.5707% | 536 |
| Total risk-based capital ratio | 30.8192% | 524 |
| Memoranda: | ||
| Average total assets | $45,121,800 | 6,505 |
| Average earning assets | $40,636,200 | 6,504 |
| Average equity | $6,793,600 | 5,924 |
| Average total loans | $18,082,800 | 6,747 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 5,529 |
| Cost of funding earning assets | 1.0672% | 3,197 |
| Net interest margin | 3.3554% | 5,696 |
| Noninterest income to average assets | 0.4572% | 4,241 |
| Noninterest expense to average assets | 3.5577% | 1,801 |
| Loan and lease loss provision to assets | 0.0059% | 6,351 |
| Net operating income to assets | -0.0826% | 6,264 |
| Return on assets (ROA) | 0.0354% | 6,195 |
| Pretax return on assets | 0.0354% | 6,181 |
| Return on Equity (ROE) | 0.2353% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.2353% | 5,887 |
| Net charge-offs to loans | 0.2198% | 4,062 |
| Credit loss provision to net charge-offs | 6.6667% | 5,691 |
| Earnings coverage of net charge-offs (x) | -0.8668% | 5,915 |
| Efficiency ratio | 102.2034% | 601 |
| Assets per employee ($millions) | 3.2480% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 4,593 |
| Loan loss allowance to noncurrent loans | 98.8506% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 4,136 |
| Noncurrent loans to loans | 1.4092% | 4,178 |
| Net loans and leases to total assets | 40.1632% | 6,616 |
| Net loans and leases to deposits | 47.9042% | 6,625 |
| Net loans and leases to core deposits | 49.6210% | 6,687 |
| Total domestic deposits to total assets | 83.8406% | 4,307 |
| Equity capital to assets | 15.4029% | 743 |
| Core capital (leverage) ratio | 14.5097% | 772 |
| Tier 1 risk-based capital ratio | 29.7995% | 550 |
| Total risk-based capital ratio | 31.0519% | 539 |
| Memoranda: | ||
| Average total assets | $45,197,250 | 6,555 |
| Average earning assets | $40,729,250 | 6,557 |
| Average equity | $6,798,500 | 5,967 |
| Average total loans | $18,194,750 | 6,811 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 5,405 |
| Cost of funding earning assets | 1.1147% | 3,130 |
| Net interest margin | 3.3687% | 5,646 |
| Noninterest income to average assets | 0.4611% | 4,183 |
| Noninterest expense to average assets | 3.4896% | 2,008 |
| Loan and lease loss provision to assets | 0.0089% | 6,151 |
| Net operating income to assets | -0.0089% | 6,240 |
| Return on assets (ROA) | 0.1685% | 5,934 |
| Pretax return on assets | 0.1685% | 5,983 |
| Return on Equity (ROE) | 1.1293% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.1293% | 5,410 |
| Net charge-offs to loans | 0.2433% | 3,663 |
| Credit loss provision to net charge-offs | 9.0909% | 5,256 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,281 |
| Efficiency ratio | 100.0000% | 718 |
| Assets per employee ($millions) | 3.2014% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 4,403 |
| Loan loss allowance to noncurrent loans | 1,108.3333% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 5,212 |
| Noncurrent loans to loans | 0.1298% | 6,655 |
| Net loans and leases to total assets | 40.6493% | 6,692 |
| Net loans and leases to deposits | 48.3660% | 6,707 |
| Net loans and leases to core deposits | 49.4343% | 6,787 |
| Total domestic deposits to total assets | 84.0451% | 4,326 |
| Equity capital to assets | 15.3525% | 729 |
| Core capital (leverage) ratio | 14.3590% | 797 |
| Tier 1 risk-based capital ratio | 30.0373% | 529 |
| Total risk-based capital ratio | 31.2900% | 521 |
| Memoranda: | ||
| Average total assets | $45,105,670 | 6,620 |
| Average earning assets | $40,550,330 | 6,618 |
| Average equity | $6,730,000 | 6,010 |
| Average total loans | $18,086,000 | 6,886 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 5,814 |
| Cost of funding earning assets | 1.1373% | 3,247 |
| Net interest margin | 3.2257% | 5,992 |
| Noninterest income to average assets | 0.4508% | 4,275 |
| Noninterest expense to average assets | 3.5272% | 1,935 |
| Loan and lease loss provision to assets | 0.0088% | 5,785 |
| Net operating income to assets | -0.1768% | 6,535 |
| Return on assets (ROA) | -0.1768% | 6,554 |
| Pretax return on assets | -0.1768% | 6,520 |
| Return on Equity (ROE) | -1.2022% | 6,511 |
| Retained earnings to average equity (ytd only) | -1.2022% | 6,026 |
| Net charge-offs to loans | 0.4920% | 2,246 |
| Credit loss provision to net charge-offs | 4.5455% | 4,433 |
| Earnings coverage of net charge-offs (x) | -0.8636% | 4,879 |
| Efficiency ratio | 105.0000% | 597 |
| Assets per employee ($millions) | 3.2269% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 4,346 |
| Loan loss allowance to noncurrent loans | 2,650.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 5,300 |
| Noncurrent loans to loans | 0.0555% | 6,904 |
| Net loans and leases to total assets | 39.3085% | 6,830 |
| Net loans and leases to deposits | 46.4043% | 6,823 |
| Net loans and leases to core deposits | 48.0491% | 6,877 |
| Total domestic deposits to total assets | 84.7087% | 4,176 |
| Equity capital to assets | 14.8309% | 804 |
| Core capital (leverage) ratio | 14.3240% | 772 |
| Tier 1 risk-based capital ratio | 30.4131% | 504 |
| Total risk-based capital ratio | 31.6646% | 498 |
| Memoranda: | ||
| Average total assets | $45,248,500 | 6,659 |
| Average earning assets | $40,797,000 | 6,652 |
| Average equity | $6,654,500 | 6,040 |
| Average total loans | $17,886,500 | 6,947 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 5,656 |
| Cost of funding earning assets | 1.4081% | 3,209 |
| Net interest margin | 3.3317% | 5,864 |
| Noninterest income to average assets | 0.5083% | 4,105 |
| Noninterest expense to average assets | 3.8009% | 1,487 |
| Loan and lease loss provision to assets | 0.0794% | 6,365 |
| Net operating income to assets | -0.0849% | 5,969 |
| Return on assets (ROA) | 0.0749% | 5,783 |
| Pretax return on assets | -0.1747% | 6,067 |
| Return on Equity (ROE) | 0.4940% | 5,832 |
| Retained earnings to average equity (ytd only) | 0.4940% | 5,335 |
| Net charge-offs to loans | 0.2169% | 4,992 |
| Credit loss provision to net charge-offs | 85.3659% | 5,325 |
| Earnings coverage of net charge-offs (x) | -3.7073% | 6,757 |
| Efficiency ratio | 109.9803% | 535 |
| Assets per employee ($millions) | 3.2372% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 3,533 |
| Loan loss allowance to noncurrent loans | 2,860.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 5,392 |
| Noncurrent loans to loans | 0.0563% | 6,985 |
| Net loans and leases to total assets | 38.5340% | 7,048 |
| Net loans and leases to deposits | 45.3128% | 7,070 |
| Net loans and leases to core deposits | 46.2819% | 7,132 |
| Total domestic deposits to total assets | 85.0400% | 3,830 |
| Equity capital to assets | 14.5826% | 887 |
| Core capital (leverage) ratio | 14.2040% | 807 |
| Tier 1 risk-based capital ratio | 30.9528% | 467 |
| Total risk-based capital ratio | 32.1988% | 459 |
| Memoranda: | ||
| Average total assets | $44,068,400 | 6,730 |
| Average earning assets | $38,988,600 | 6,760 |
| Average equity | $6,680,200 | 6,139 |
| Average total loans | $18,905,000 | 6,981 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 5,783 |
| Cost of funding earning assets | 1.4716% | 3,135 |
| Net interest margin | 3.2991% | 6,021 |
| Noninterest income to average assets | 0.5211% | 4,023 |
| Noninterest expense to average assets | 3.7176% | 1,535 |
| Loan and lease loss provision to assets | 0.0945% | 6,075 |
| Net operating income to assets | -0.2359% | 6,364 |
| Return on assets (ROA) | -0.0213% | 6,160 |
| Pretax return on assets | -0.0457% | 6,163 |
| Return on Equity (ROE) | -0.1393% | 6,151 |
| Retained earnings to average equity (ytd only) | -0.1393% | 5,816 |
| Net charge-offs to loans | 0.1737% | 4,925 |
| Credit loss provision to net charge-offs | 124.0000% | 3,307 |
| Earnings coverage of net charge-offs (x) | -3.7603% | 6,575 |
| Efficiency ratio | 108.3481% | 556 |
| Assets per employee ($millions) | 3.2535% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 3,605 |
| Loan loss allowance to noncurrent loans | 2,483.3333% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 5,369 |
| Noncurrent loans to loans | 0.0638% | 7,076 |
| Net loans and leases to total assets | 40.6617% | 7,042 |
| Net loans and leases to deposits | 48.0341% | 7,088 |
| Net loans and leases to core deposits | 49.0558% | 7,156 |
| Total domestic deposits to total assets | 84.6517% | 3,800 |
| Equity capital to assets | 14.8060% | 942 |
| Core capital (leverage) ratio | 14.2554% | 872 |
| Tier 1 risk-based capital ratio | 29.5868% | 535 |
| Total risk-based capital ratio | 30.8815% | 519 |
| Memoranda: | ||
| Average total assets | $43,755,250 | 6,828 |
| Average earning assets | $38,595,500 | 6,855 |
| Average equity | $6,698,000 | 6,210 |
| Average total loans | $19,193,750 | 7,062 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 5,445 |
| Cost of funding earning assets | 1.4996% | 3,259 |
| Net interest margin | 3.3886% | 5,682 |
| Noninterest income to average assets | 0.5329% | 3,851 |
| Noninterest expense to average assets | 3.7027% | 1,554 |
| Loan and lease loss provision to assets | 0.1298% | 5,583 |
| Net operating income to assets | -0.2781% | 6,451 |
| Return on assets (ROA) | 0.1020% | 5,976 |
| Pretax return on assets | 0.0649% | 6,046 |
| Return on Equity (ROE) | 0.6584% | 6,039 |
| Retained earnings to average equity (ytd only) | 0.6584% | 5,497 |
| Net charge-offs to loans | 0.2485% | 4,101 |
| Credit loss provision to net charge-offs | 116.6667% | 3,476 |
| Earnings coverage of net charge-offs (x) | -1.6667% | 6,186 |
| Efficiency ratio | 105.2701% | 647 |
| Assets per employee ($millions) | 2.9473% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 3,438 |
| Loan loss allowance to noncurrent loans | 2,466.6667% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 5,338 |
| Noncurrent loans to loans | 0.0649% | 7,153 |
| Net loans and leases to total assets | 41.1364% | 7,092 |
| Net loans and leases to deposits | 48.6921% | 7,127 |
| Net loans and leases to core deposits | 49.8780% | 7,216 |
| Total domestic deposits to total assets | 84.4828% | 3,881 |
| Equity capital to assets | 15.1010% | 855 |
| Core capital (leverage) ratio | 14.7850% | 767 |
| Tier 1 risk-based capital ratio | 29.4361% | 544 |
| Total risk-based capital ratio | 30.6867% | 526 |
| Memoranda: | ||
| Average total assets | $43,157,330 | 6,891 |
| Average earning assets | $38,010,330 | 6,926 |
| Average equity | $6,682,670 | 6,243 |
| Average total loans | $19,318,670 | 7,110 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 4,963 |
| Cost of funding earning assets | 1.5111% | 3,485 |
| Net interest margin | 3.5010% | 5,152 |
| Noninterest income to average assets | 0.5442% | 3,690 |
| Noninterest expense to average assets | 3.6405% | 1,638 |
| Loan and lease loss provision to assets | 0.0094% | 6,507 |
| Net operating income to assets | -0.0188% | 6,335 |
| Return on assets (ROA) | 0.3284% | 5,305 |
| Pretax return on assets | 0.3284% | 5,527 |
| Return on Equity (ROE) | 2.0939% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.0939% | 4,879 |
| Net charge-offs to loans | 0.0405% | 5,016 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 5,280 |
| Efficiency ratio | 100.2584% | 830 |
| Assets per employee ($millions) | 2.8315% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 5,085 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 44.7118% | 6,932 |
| Net loans and leases to deposits | 53.3427% | 6,960 |
| Net loans and leases to core deposits | 54.7057% | 7,069 |
| Total domestic deposits to total assets | 83.8199% | 4,238 |
| Equity capital to assets | 15.7351% | 714 |
| Core capital (leverage) ratio | 15.0957% | 737 |
| Tier 1 risk-based capital ratio | 28.7525% | 591 |
| Total risk-based capital ratio | 30.0426% | 575 |
| Memoranda: | ||
| Average total assets | $42,631,500 | 6,993 |
| Average earning assets | $37,589,500 | 7,031 |
| Average equity | $6,686,000 | 6,295 |
| Average total loans | $19,737,000 | 7,168 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4606% | 4,388 |
| Cost of funding earning assets | 1.6236% | 4,918 |
| Net interest margin | 3.8370% | 3,543 |
| Noninterest income to average assets | 0.5726% | 3,836 |
| Noninterest expense to average assets | 4.0522% | 1,300 |
| Loan and lease loss provision to assets | 0.4743% | 3,985 |
| Net operating income to assets | -0.0841% | 5,651 |
| Return on assets (ROA) | 0.1769% | 5,041 |
| Pretax return on assets | -0.0614% | 5,539 |
| Return on Equity (ROE) | 1.0870% | 5,209 |
| Retained earnings to average equity (ytd only) | 1.0870% | 4,281 |
| Net charge-offs to loans | 0.6044% | 3,406 |
| Credit loss provision to net charge-offs | 159.5041% | 2,808 |
| Earnings coverage of net charge-offs (x) | 0.0165% | 6,173 |
| Efficiency ratio | 99.8789% | 1,108 |
| Assets per employee ($millions) | 2.6744% | 6,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 4,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 5,054 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 46.5074% | 6,934 |
| Net loans and leases to deposits | 55.4407% | 6,954 |
| Net loans and leases to core deposits | 80.5220% | 6,038 |
| Total domestic deposits to total assets | 83.8868% | 4,076 |
| Equity capital to assets | 15.6318% | 761 |
| Core capital (leverage) ratio | 15.3595% | 713 |
| Tier 1 risk-based capital ratio | 28.5987% | 604 |
| Total risk-based capital ratio | 29.8932% | 583 |
| Memoranda: | ||
| Average total assets | $40,694,400 | 7,066 |
| Average earning assets | $36,955,600 | 7,059 |
| Average equity | $6,623,600 | 6,384 |
| Average total loans | $20,018,200 | 7,189 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4993% | 4,424 |
| Cost of funding earning assets | 1.6520% | 5,155 |
| Net interest margin | 3.8473% | 3,447 |
| Noninterest income to average assets | 0.6738% | 3,187 |
| Noninterest expense to average assets | 4.1091% | 1,129 |
| Loan and lease loss provision to assets | 0.4713% | 3,549 |
| Net operating income to assets | -0.2187% | 6,096 |
| Return on assets (ROA) | 0.0299% | 5,692 |
| Pretax return on assets | -0.0166% | 5,733 |
| Return on Equity (ROE) | 0.1816% | 5,717 |
| Retained earnings to average equity (ytd only) | 0.1816% | 5,119 |
| Net charge-offs to loans | 0.7877% | 2,393 |
| Credit loss provision to net charge-offs | 120.3390% | 4,214 |
| Earnings coverage of net charge-offs (x) | 0.1695% | 5,854 |
| Efficiency ratio | 98.4102% | 1,144 |
| Assets per employee ($millions) | 2.2648% | 7,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 5,113 |
| Loan loss allowance to noncurrent loans | 61.3065% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 5,106 |
| Noncurrent loans to loans | 1.9564% | 3,694 |
| Net loans and leases to total assets | 49.3033% | 6,844 |
| Net loans and leases to deposits | 59.5191% | 6,864 |
| Net loans and leases to core deposits | 87.4973% | 5,690 |
| Total domestic deposits to total assets | 82.8362% | 4,309 |
| Equity capital to assets | 16.4598% | 714 |
| Core capital (leverage) ratio | 15.7879% | 709 |
| Tier 1 risk-based capital ratio | 29.6711% | 588 |
| Total risk-based capital ratio | 30.8975% | 577 |
| Memoranda: | ||
| Average total assets | $40,170,250 | 7,138 |
| Average earning assets | $36,561,500 | 7,132 |
| Average equity | $6,607,250 | 6,449 |
| Average total loans | $19,974,500 | 7,258 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5368% | 4,404 |
| Cost of funding earning assets | 1.6710% | 5,417 |
| Net interest margin | 3.8658% | 3,269 |
| Noninterest income to average assets | 0.7005% | 2,993 |
| Noninterest expense to average assets | 4.2230% | 1,043 |
| Loan and lease loss provision to assets | 0.1051% | 6,112 |
| Net operating income to assets | -0.0751% | 5,962 |
| Return on assets (ROA) | 0.5104% | 4,169 |
| Pretax return on assets | 0.4653% | 4,735 |
| Return on Equity (ROE) | 3.1036% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.1036% | 3,587 |
| Net charge-offs to loans | 0.4634% | 2,974 |
| Credit loss provision to net charge-offs | 45.6522% | 5,819 |
| Earnings coverage of net charge-offs (x) | -0.0652% | 5,764 |
| Efficiency ratio | 100.3567% | 1,157 |
| Assets per employee ($millions) | 2.1772% | 7,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 6,405 |
| Loan loss allowance to noncurrent loans | 263.5135% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 7,055 |
| Noncurrent loans to loans | 0.3709% | 6,584 |
| Net loans and leases to total assets | 50.4108% | 6,834 |
| Net loans and leases to deposits | 61.0073% | 6,816 |
| Net loans and leases to core deposits | 85.2360% | 5,992 |
| Total domestic deposits to total assets | 82.6308% | 4,410 |
| Equity capital to assets | 16.8359% | 685 |
| Core capital (leverage) ratio | 16.7823% | 641 |
| Tier 1 risk-based capital ratio | 30.3702% | 581 |
| Total risk-based capital ratio | 31.3918% | 580 |
| Memoranda: | ||
| Average total assets | $39,971,670 | 7,207 |
| Average earning assets | $36,266,330 | 7,212 |
| Average equity | $6,573,000 | 6,507 |
| Average total loans | $19,851,670 | 7,334 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5730% | 4,507 |
| Cost of funding earning assets | 1.6971% | 5,612 |
| Net interest margin | 3.8759% | 3,159 |
| Noninterest income to average assets | 0.8424% | 2,113 |
| Noninterest expense to average assets | 4.0533% | 1,124 |
| Loan and lease loss provision to assets | -0.0198% | 8,178 |
| Net operating income to assets | 0.2435% | 5,511 |
| Return on assets (ROA) | 1.1595% | 1,894 |
| Pretax return on assets | 1.4766% | 1,736 |
| Return on Equity (ROE) | 7.1336% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.1336% | 2,167 |
| Net charge-offs to loans | -0.0808% | 7,829 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1663% | 1,486 |
| Assets per employee ($millions) | 2.2160% | 7,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 5,247 |
| Loan loss allowance to noncurrent loans | 148.0000% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 6,127 |
| Noncurrent loans to loans | 0.7648% | 5,516 |
| Net loans and leases to total assets | 51.4759% | 6,736 |
| Net loans and leases to deposits | 62.9039% | 6,654 |
| Net loans and leases to core deposits | 86.3671% | 5,874 |
| Total domestic deposits to total assets | 81.8327% | 4,622 |
| Equity capital to assets | 17.5754% | 659 |
| Core capital (leverage) ratio | 16.6313% | 697 |
| Tier 1 risk-based capital ratio | 31.8793% | 535 |
| Total risk-based capital ratio | 33.0864% | 525 |
| Memoranda: | ||
| Average total assets | $40,362,500 | 7,232 |
| Average earning assets | $36,533,500 | 7,242 |
| Average equity | $6,560,500 | 6,567 |
| Average total loans | $19,802,000 | 7,376 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2594% | 4,186 |
| Cost of funding earning assets | 2.0232% | 6,334 |
| Net interest margin | 4.2362% | 2,175 |
| Noninterest income to average assets | 0.6440% | 3,518 |
| Noninterest expense to average assets | 3.7855% | 1,779 |
| Loan and lease loss provision to assets | 0.1380% | 5,593 |
| Net operating income to assets | 0.4530% | 4,941 |
| Return on assets (ROA) | 0.5336% | 4,454 |
| Pretax return on assets | 0.7313% | 4,298 |
| Return on Equity (ROE) | 3.7089% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.7089% | 2,835 |
| Net charge-offs to loans | 0.0483% | 6,097 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,094 |
| Efficiency ratio | 83.2996% | 2,139 |
| Assets per employee ($millions) | 2.3918% | 7,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,288 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 6,173 |
| Noncurrent loans to loans | 0.6603% | 5,384 |
| Net loans and leases to total assets | 45.9201% | 7,338 |
| Net loans and leases to deposits | 54.3266% | 7,418 |
| Net loans and leases to core deposits | 74.5475% | 6,933 |
| Total domestic deposits to total assets | 84.5260% | 3,063 |
| Equity capital to assets | 15.0977% | 1,137 |
| Core capital (leverage) ratio | 14.3406% | 1,178 |
| Tier 1 risk-based capital ratio | 29.4452% | 673 |
| Total risk-based capital ratio | 30.5530% | 665 |
| Memoranda: | ||
| Average total assets | $43,481,600 | 7,055 |
| Average earning assets | $40,036,000 | 7,040 |
| Average equity | $6,255,200 | 6,711 |
| Average total loans | $20,721,200 | 7,285 |