Home > COMMUNITY FIRST BANK > Performance and Condition Ratios
COMMUNITY FIRST BANK, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 3,371 |
| Cost of funding earning assets | 1.7170% | 2,917 |
| Net interest margin | 3.1158% | 2,910 |
| Noninterest income to average assets | 0.6600% | 1,305 |
| Noninterest expense to average assets | 2.4718% | 2,384 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.0638% | 1,863 |
| Return on assets (ROA) | 1.0638% | 1,866 |
| Pretax return on assets | 1.1440% | 2,124 |
| Return on Equity (ROE) | 9.7700% | 2,213 |
| Retained earnings to average equity (ytd only) | 3.9838% | 2,635 |
| Net charge-offs to loans | -0.0320% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 67.7974% | 2,279 |
| Assets per employee ($millions) | 5.2294% | 3,486 |
| Cash dividends to net income (ytd only)* | 59.2302% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 1,445 |
| Loan loss allowance to noncurrent loans | 142.0575% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 1,312 |
| Noncurrent loans to loans | 0.9557% | 1,046 |
| Net loans and leases to total assets | 56.7200% | 3,212 |
| Net loans and leases to deposits | 65.4467% | 3,251 |
| Net loans and leases to core deposits | 70.8406% | 3,318 |
| Total domestic deposits to total assets | 86.6700% | 1,981 |
| Equity capital to assets | 11.0029% | 1,585 |
| Core capital (leverage) ratio | 11.9399% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $119,668,000 | 3,622 |
| Average earning assets | $114,674,600 | 3,577 |
| Average equity | $13,027,800 | 3,515 |
| Average total loans | $68,779,600 | 3,593 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 3,503 |
| Cost of funding earning assets | 1.7244% | 2,899 |
| Net interest margin | 2.9988% | 3,098 |
| Noninterest income to average assets | 0.6700% | 1,244 |
| Noninterest expense to average assets | 2.3706% | 2,608 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.0888% | 1,793 |
| Return on assets (ROA) | 1.0888% | 1,797 |
| Pretax return on assets | 1.1479% | 2,127 |
| Return on Equity (ROE) | 10.0300% | 2,191 |
| Retained earnings to average equity (ytd only) | 8.2610% | 1,319 |
| Net charge-offs to loans | -0.0524% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 66.8029% | 2,388 |
| Assets per employee ($millions) | 5.4916% | 3,280 |
| Cash dividends to net income (ytd only)* | 17.6230% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,420 |
| Loan loss allowance to noncurrent loans | 890.4762% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,110 |
| Noncurrent loans to loans | 0.1545% | 2,924 |
| Net loans and leases to total assets | 55.4700% | 3,305 |
| Net loans and leases to deposits | 64.4878% | 3,333 |
| Net loans and leases to core deposits | 69.7324% | 3,405 |
| Total domestic deposits to total assets | 86.0200% | 1,926 |
| Equity capital to assets | 11.5946% | 1,429 |
| Core capital (leverage) ratio | 12.6477% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $119,515,750 | 3,628 |
| Average earning assets | $114,664,750 | 3,585 |
| Average equity | $12,976,250 | 3,529 |
| Average total loans | $68,684,000 | 3,602 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 3,468 |
| Cost of funding earning assets | 1.7483% | 2,755 |
| Net interest margin | 2.9559% | 3,148 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.3597% | 2,631 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.0530% | 1,840 |
| Return on assets (ROA) | 1.0530% | 1,848 |
| Pretax return on assets | 1.1135% | 2,174 |
| Return on Equity (ROE) | 9.9300% | 2,201 |
| Retained earnings to average equity (ytd only) | 8.1695% | 1,326 |
| Net charge-offs to loans | -0.0754% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 67.3538% | 2,400 |
| Assets per employee ($millions) | 5.2770% | 3,391 |
| Cash dividends to net income (ytd only)* | 17.7033% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 1,611 |
| Loan loss allowance to noncurrent loans | 365.6126% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 2,320 |
| Noncurrent loans to loans | 0.3641% | 2,099 |
| Net loans and leases to total assets | 59.0600% | 3,044 |
| Net loans and leases to deposits | 68.2215% | 3,111 |
| Net loans and leases to core deposits | 73.9423% | 3,160 |
| Total domestic deposits to total assets | 86.5700% | 1,800 |
| Equity capital to assets | 11.0194% | 1,565 |
| Core capital (leverage) ratio | 12.3888% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $119,082,667 | 3,648 |
| Average earning assets | $114,279,333 | 3,601 |
| Average equity | $12,632,333 | 3,538 |
| Average total loans | $68,928,000 | 3,596 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 3,512 |
| Cost of funding earning assets | 1.7504% | 2,638 |
| Net interest margin | 2.8553% | 3,277 |
| Noninterest income to average assets | 0.7600% | 904 |
| Noninterest expense to average assets | 2.4549% | 2,366 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.9587% | 2,064 |
| Return on assets (ROA) | 0.9587% | 2,071 |
| Pretax return on assets | 1.0218% | 2,325 |
| Return on Equity (ROE) | 9.2100% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.2097% | 1,272 |
| Net charge-offs to loans | -0.0058% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.0095% | 2,150 |
| Assets per employee ($millions) | 5.4766% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 1,784 |
| Loan loss allowance to noncurrent loans | 263.6095% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 1,982 |
| Noncurrent loans to loans | 0.4907% | 1,695 |
| Net loans and leases to total assets | 56.4400% | 3,154 |
| Net loans and leases to deposits | 67.3071% | 3,081 |
| Net loans and leases to core deposits | 72.8917% | 3,169 |
| Total domestic deposits to total assets | 83.8500% | 2,759 |
| Equity capital to assets | 10.4785% | 1,737 |
| Core capital (leverage) ratio | 11.8552% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $120,576,500 | 3,650 |
| Average earning assets | $115,856,500 | 3,595 |
| Average equity | $12,552,000 | 3,555 |
| Average total loans | $68,646,500 | 3,608 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 3,636 |
| Cost of funding earning assets | 1.2478% | 2,661 |
| Net interest margin | 2.9455% | 3,401 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.4893% | 2,329 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8063% | 2,851 |
| Return on assets (ROA) | 0.8063% | 2,829 |
| Pretax return on assets | 0.8876% | 2,996 |
| Return on Equity (ROE) | 8.1400% | 2,980 |
| Retained earnings to average equity (ytd only) | 3.4020% | 3,161 |
| Net charge-offs to loans | 0.0449% | 1,440 |
| Credit loss provision to net charge-offs | 120.0000% | 1,672 |
| Earnings coverage of net charge-offs (x) | 36.1333% | 1,511 |
| Efficiency ratio | 73.0549% | 1,550 |
| Assets per employee ($millions) | 5.2464% | 3,438 |
| Cash dividends to net income (ytd only)* | 58.1933% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 1,829 |
| Loan loss allowance to noncurrent loans | 693.7008% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 2,829 |
| Noncurrent loans to loans | 0.1857% | 2,587 |
| Net loans and leases to total assets | 55.9600% | 3,200 |
| Net loans and leases to deposits | 65.7962% | 3,182 |
| Net loans and leases to core deposits | 72.8603% | 3,133 |
| Total domestic deposits to total assets | 85.0500% | 2,297 |
| Equity capital to assets | 10.3416% | 1,822 |
| Core capital (leverage) ratio | 11.7050% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $118,064,800 | 3,670 |
| Average earning assets | $112,916,800 | 3,617 |
| Average equity | $11,699,000 | 3,557 |
| Average total loans | $66,758,800 | 3,595 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 3,671 |
| Cost of funding earning assets | 1.1320% | 2,652 |
| Net interest margin | 2.9637% | 3,411 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.4119% | 2,488 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9209% | 2,612 |
| Return on assets (ROA) | 0.9209% | 2,598 |
| Pretax return on assets | 1.0027% | 2,855 |
| Return on Equity (ROE) | 9.4000% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.7420% | 2,057 |
| Net charge-offs to loans | -0.0060% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.0066% | 1,777 |
| Assets per employee ($millions) | 5.0365% | 3,579 |
| Cash dividends to net income (ytd only)* | 17.6326% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 1,840 |
| Loan loss allowance to noncurrent loans | 2,381.5789% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,492 |
| Noncurrent loans to loans | 0.0549% | 3,361 |
| Net loans and leases to total assets | 56.5500% | 3,149 |
| Net loans and leases to deposits | 66.4028% | 3,098 |
| Net loans and leases to core deposits | 72.6508% | 3,070 |
| Total domestic deposits to total assets | 85.1600% | 2,453 |
| Equity capital to assets | 9.3791% | 2,179 |
| Core capital (leverage) ratio | 12.2718% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $117,414,000 | 3,684 |
| Average earning assets | $112,243,750 | 3,637 |
| Average equity | $11,504,000 | 3,575 |
| Average total loans | $66,347,250 | 3,614 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 3,790 |
| Cost of funding earning assets | 1.0325% | 2,495 |
| Net interest margin | 2.9154% | 3,622 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.3912% | 2,518 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9289% | 2,655 |
| Return on assets (ROA) | 0.9289% | 2,642 |
| Pretax return on assets | 1.0029% | 2,905 |
| Return on Equity (ROE) | 9.3400% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.9933% | 1,965 |
| Net charge-offs to loans | -0.0031% | 3,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.8142% | 1,781 |
| Assets per employee ($millions) | 4.9763% | 3,616 |
| Cash dividends to net income (ytd only)* | 14.4444% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,739 |
| Loan loss allowance to noncurrent loans | 2,352.6316% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,468 |
| Noncurrent loans to loans | 0.0571% | 3,286 |
| Net loans and leases to total assets | 54.9500% | 3,198 |
| Net loans and leases to deposits | 63.8040% | 3,200 |
| Net loans and leases to core deposits | 68.7864% | 3,198 |
| Total domestic deposits to total assets | 86.1200% | 2,198 |
| Equity capital to assets | 9.8518% | 1,941 |
| Core capital (leverage) ratio | 12.0850% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $116,260,333 | 3,712 |
| Average earning assets | $110,998,000 | 3,663 |
| Average equity | $11,559,667 | 3,586 |
| Average total loans | $65,376,333 | 3,629 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7983% | 3,859 |
| Cost of funding earning assets | 0.9313% | 2,267 |
| Net interest margin | 2.8670% | 3,835 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.5568% | 2,090 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8895% | 2,892 |
| Return on assets (ROA) | 0.8895% | 2,844 |
| Pretax return on assets | 0.9278% | 3,172 |
| Return on Equity (ROE) | 8.9000% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.9032% | 1,976 |
| Net charge-offs to loans | -0.0062% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7183% | 1,472 |
| Assets per employee ($millions) | 4.7730% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 1,844 |
| Loan loss allowance to noncurrent loans | 1,735.2941% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,243 |
| Noncurrent loans to loans | 0.0774% | 3,185 |
| Net loans and leases to total assets | 56.7200% | 2,984 |
| Net loans and leases to deposits | 63.6194% | 3,120 |
| Net loans and leases to core deposits | 68.6686% | 3,045 |
| Total domestic deposits to total assets | 89.1600% | 1,486 |
| Equity capital to assets | 10.3316% | 1,653 |
| Core capital (leverage) ratio | 12.2081% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $114,675,500 | 3,772 |
| Average earning assets | $109,522,500 | 3,725 |
| Average equity | $11,456,500 | 3,625 |
| Average total loans | $64,805,000 | 3,680 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4535% | 3,199 |
| Cost of funding earning assets | 0.3915% | 2,163 |
| Net interest margin | 3.0620% | 3,284 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.3655% | 2,530 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1519% | 1,967 |
| Return on assets (ROA) | 1.1589% | 1,875 |
| Pretax return on assets | 1.1589% | 2,576 |
| Return on Equity (ROE) | 10.5200% | 2,640 |
| Retained earnings to average equity (ytd only) | -5.0723% | 4,574 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.1572% | 2,212 |
| Assets per employee ($millions) | 4.7833% | 3,830 |
| Cash dividends to net income (ytd only)* | 148.2036% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 1,591 |
| Loan loss allowance to noncurrent loans | 2,243.5897% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,371 |
| Noncurrent loans to loans | 0.0612% | 3,312 |
| Net loans and leases to total assets | 54.7700% | 3,137 |
| Net loans and leases to deposits | 60.9229% | 3,278 |
| Net loans and leases to core deposits | 65.0206% | 3,196 |
| Total domestic deposits to total assets | 89.9000% | 1,408 |
| Equity capital to assets | 9.6498% | 1,918 |
| Core capital (leverage) ratio | 11.8191% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $115,284,000 | 3,772 |
| Average earning assets | $110,090,000 | 3,722 |
| Average equity | $12,696,400 | 3,600 |
| Average total loans | $60,782,800 | 3,713 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 3,018 |
| Cost of funding earning assets | 0.3032% | 2,128 |
| Net interest margin | 3.0563% | 3,063 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.3407% | 2,511 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2085% | 1,670 |
| Return on assets (ROA) | 1.2177% | 1,615 |
| Pretax return on assets | 1.2177% | 2,302 |
| Return on Equity (ROE) | 10.7300% | 2,490 |
| Retained earnings to average equity (ytd only) | 6.9509% | 2,375 |
| Net charge-offs to loans | 0.0022% | 2,191 |
| Credit loss provision to net charge-offs | 5,800.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 1,104.0000% | 133 |
| Efficiency ratio | 64.7284% | 2,449 |
| Assets per employee ($millions) | 5.0066% | 3,669 |
| Cash dividends to net income (ytd only)* | 35.1992% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 1,681 |
| Loan loss allowance to noncurrent loans | 10,812.5000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,796 |
| Noncurrent loans to loans | 0.0127% | 3,847 |
| Net loans and leases to total assets | 53.7900% | 3,125 |
| Net loans and leases to deposits | 60.0813% | 3,198 |
| Net loans and leases to core deposits | 64.0969% | 3,105 |
| Total domestic deposits to total assets | 89.5300% | 1,857 |
| Equity capital to assets | 9.9973% | 1,626 |
| Core capital (leverage) ratio | 12.9439% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $115,405,000 | 3,797 |
| Average earning assets | $110,371,500 | 3,747 |
| Average equity | $13,101,000 | 3,604 |
| Average total loans | $60,041,500 | 3,741 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 2,828 |
| Cost of funding earning assets | 0.2733% | 1,986 |
| Net interest margin | 2.9986% | 2,878 |
| Noninterest income to average assets | 0.7429% | 1,190 |
| Noninterest expense to average assets | 2.3171% | 2,500 |
| Loan and lease loss provision to assets | 0.0849% | 1,169 |
| Net operating income to assets | 1.2105% | 1,396 |
| Return on assets (ROA) | 1.2244% | 1,335 |
| Pretax return on assets | 1.2244% | 1,989 |
| Return on Equity (ROE) | 10.3737% | 2,196 |
| Retained earnings to average equity (ytd only) | 6.7201% | 2,079 |
| Net charge-offs to loans | 0.0034% | 1,930 |
| Credit loss provision to net charge-offs | 4,900.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 748.0000% | 189 |
| Efficiency ratio | 64.1419% | 2,752 |
| Assets per employee ($millions) | 4.9670% | 3,705 |
| Cash dividends to net income (ytd only)* | 35.2192% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,655 |
| Loan loss allowance to noncurrent loans | 983.9080% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 3,125 |
| Noncurrent loans to loans | 0.1448% | 2,975 |
| Net loans and leases to total assets | 51.8605% | 3,175 |
| Net loans and leases to deposits | 58.5846% | 3,172 |
| Net loans and leases to core deposits | 62.5624% | 3,070 |
| Total domestic deposits to total assets | 88.5225% | 2,375 |
| Equity capital to assets | 11.0389% | 1,197 |
| Core capital (leverage) ratio | 12.7649% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,489,667 | 3,841 |
| Average earning assets | $110,519,000 | 3,800 |
| Average equity | $13,630,667 | 3,621 |
| Average total loans | $59,119,667 | 3,796 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1857% | 2,730 |
| Cost of funding earning assets | 0.2700% | 1,928 |
| Net interest margin | 2.9157% | 2,784 |
| Noninterest income to average assets | 0.9060% | 830 |
| Noninterest expense to average assets | 2.3356% | 2,380 |
| Loan and lease loss provision to assets | 0.0310% | 1,809 |
| Net operating income to assets | 1.3297% | 941 |
| Return on assets (ROA) | 1.3573% | 878 |
| Pretax return on assets | 1.3573% | 1,365 |
| Return on Equity (ROE) | 11.1453% | 1,565 |
| Retained earnings to average equity (ytd only) | 7.8922% | 1,617 |
| Net charge-offs to loans | 0.0068% | 1,509 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 258 |
| Efficiency ratio | 63.1873% | 3,117 |
| Assets per employee ($millions) | 4.6455% | 4,044 |
| Cash dividends to net income (ytd only)* | 29.1878% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 1,907 |
| Loan loss allowance to noncurrent loans | 7,418.1818% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,978 |
| Noncurrent loans to loans | 0.0189% | 3,857 |
| Net loans and leases to total assets | 49.5174% | 3,223 |
| Net loans and leases to deposits | 56.2101% | 3,252 |
| Net loans and leases to core deposits | 59.9773% | 3,145 |
| Total domestic deposits to total assets | 88.0934% | 2,481 |
| Equity capital to assets | 11.4055% | 1,158 |
| Core capital (leverage) ratio | 12.5098% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,114,000 | 3,852 |
| Average earning assets | $111,123,000 | 3,806 |
| Average equity | $14,140,500 | 3,644 |
| Average total loans | $58,628,500 | 3,814 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 2,274 |
| Cost of funding earning assets | 0.2888% | 2,516 |
| Net interest margin | 3.3525% | 2,156 |
| Noninterest income to average assets | 0.6445% | 1,965 |
| Noninterest expense to average assets | 2.7010% | 1,633 |
| Loan and lease loss provision to assets | 0.0530% | 1,997 |
| Net operating income to assets | 1.1016% | 2,292 |
| Return on assets (ROA) | 1.1016% | 2,353 |
| Pretax return on assets | 1.1025% | 2,961 |
| Return on Equity (ROE) | 8.1767% | 3,167 |
| Retained earnings to average equity (ytd only) | 2.7037% | 3,757 |
| Net charge-offs to loans | 0.0449% | 1,387 |
| Credit loss provision to net charge-offs | 230.7692% | 1,218 |
| Earnings coverage of net charge-offs (x) | 50.2692% | 1,293 |
| Efficiency ratio | 70.0367% | 1,725 |
| Assets per employee ($millions) | 4.4650% | 4,142 |
| Cash dividends to net income (ytd only)* | 66.9342% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 2,043 |
| Loan loss allowance to noncurrent loans | 199.5062% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 1,830 |
| Noncurrent loans to loans | 0.6872% | 1,460 |
| Net loans and leases to total assets | 50.0685% | 3,266 |
| Net loans and leases to deposits | 57.8180% | 3,270 |
| Net loans and leases to core deposits | 61.5190% | 3,206 |
| Total domestic deposits to total assets | 86.5967% | 2,669 |
| Equity capital to assets | 12.9510% | 913 |
| Core capital (leverage) ratio | 12.3456% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,108,000 | 3,867 |
| Average earning assets | $108,365,400 | 3,827 |
| Average equity | $15,238,400 | 3,611 |
| Average total loans | $57,963,800 | 3,850 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 2,267 |
| Cost of funding earning assets | 0.2919% | 2,669 |
| Net interest margin | 3.4123% | 2,120 |
| Noninterest income to average assets | 0.6716% | 1,924 |
| Noninterest expense to average assets | 2.7090% | 1,565 |
| Loan and lease loss provision to assets | 0.0632% | 1,735 |
| Net operating income to assets | 1.1724% | 2,262 |
| Return on assets (ROA) | 1.1724% | 2,323 |
| Pretax return on assets | 1.1736% | 3,008 |
| Return on Equity (ROE) | 8.6159% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.4562% | 3,424 |
| Net charge-offs to loans | 0.0647% | 998 |
| Credit loss provision to net charge-offs | 189.2857% | 1,236 |
| Earnings coverage of net charge-offs (x) | 37.2143% | 1,414 |
| Efficiency ratio | 68.6617% | 1,739 |
| Assets per employee ($millions) | 4.9477% | 3,745 |
| Cash dividends to net income (ytd only)* | 48.2794% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 2,096 |
| Loan loss allowance to noncurrent loans | 26,633.3333% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,258 |
| Noncurrent loans to loans | 0.0052% | 4,176 |
| Net loans and leases to total assets | 50.0571% | 3,407 |
| Net loans and leases to deposits | 58.2414% | 3,387 |
| Net loans and leases to core deposits | 62.0782% | 3,317 |
| Total domestic deposits to total assets | 85.9477% | 2,770 |
| Equity capital to assets | 13.4952% | 852 |
| Core capital (leverage) ratio | 12.8525% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,362,250 | 3,921 |
| Average earning assets | $107,802,500 | 3,877 |
| Average equity | $15,289,250 | 3,651 |
| Average total loans | $57,721,500 | 3,909 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6178% | 2,563 |
| Cost of funding earning assets | 0.2982% | 2,789 |
| Net interest margin | 3.3196% | 2,386 |
| Noninterest income to average assets | 0.6578% | 1,975 |
| Noninterest expense to average assets | 2.5026% | 2,134 |
| Loan and lease loss provision to assets | 0.0268% | 2,440 |
| Net operating income to assets | 1.3103% | 1,833 |
| Return on assets (ROA) | 1.3103% | 1,904 |
| Pretax return on assets | 1.3121% | 2,600 |
| Return on Equity (ROE) | 9.6026% | 2,909 |
| Retained earnings to average equity (ytd only) | 5.3188% | 3,063 |
| Net charge-offs to loans | 0.0970% | 756 |
| Credit loss provision to net charge-offs | 53.5714% | 1,588 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,379 |
| Efficiency ratio | 65.1466% | 2,277 |
| Assets per employee ($millions) | 5.0676% | 3,598 |
| Cash dividends to net income (ytd only)* | 44.6112% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,593 |
| Loan loss allowance to noncurrent loans | 4,227.7778% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 4,073 |
| Noncurrent loans to loans | 0.0300% | 4,057 |
| Net loans and leases to total assets | 53.1169% | 3,237 |
| Net loans and leases to deposits | 62.1259% | 3,186 |
| Net loans and leases to core deposits | 65.9954% | 3,112 |
| Total domestic deposits to total assets | 85.4989% | 2,912 |
| Equity capital to assets | 13.7306% | 768 |
| Core capital (leverage) ratio | 12.9082% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,884,333 | 3,948 |
| Average earning assets | $107,303,333 | 3,902 |
| Average equity | $15,266,667 | 3,653 |
| Average total loans | $57,708,000 | 3,936 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4512% | 3,062 |
| Cost of funding earning assets | 0.3006% | 2,988 |
| Net interest margin | 3.1506% | 2,841 |
| Noninterest income to average assets | 0.7245% | 1,793 |
| Noninterest expense to average assets | 2.6266% | 1,813 |
| Loan and lease loss provision to assets | 0.0286% | 2,412 |
| Net operating income to assets | 1.0956% | 2,494 |
| Return on assets (ROA) | 1.0956% | 2,570 |
| Pretax return on assets | 1.0992% | 3,113 |
| Return on Equity (ROE) | 8.0546% | 3,305 |
| Retained earnings to average equity (ytd only) | 8.0546% | 2,214 |
| Net charge-offs to loans | -0.0071% | 3,526 |
| Credit loss provision to net charge-offs | -800.0000% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9620% | 1,706 |
| Assets per employee ($millions) | 4.5838% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,173 |
| Loan loss allowance to noncurrent loans | 1,702.1739% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,985 |
| Noncurrent loans to loans | 0.0797% | 3,898 |
| Net loans and leases to total assets | 51.7512% | 3,468 |
| Net loans and leases to deposits | 60.5840% | 3,440 |
| Net loans and leases to core deposits | 64.4136% | 3,376 |
| Total domestic deposits to total assets | 85.4205% | 2,956 |
| Equity capital to assets | 13.7977% | 717 |
| Core capital (leverage) ratio | 13.2149% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,082,500 | 3,952 |
| Average earning assets | $107,788,000 | 3,902 |
| Average equity | $15,246,000 | 3,664 |
| Average total loans | $56,572,000 | 3,980 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 2,220 |
| Cost of funding earning assets | 0.4824% | 3,064 |
| Net interest margin | 3.6920% | 1,825 |
| Noninterest income to average assets | 0.6906% | 1,896 |
| Noninterest expense to average assets | 2.5667% | 2,653 |
| Loan and lease loss provision to assets | 0.0954% | 3,150 |
| Net operating income to assets | 1.5539% | 707 |
| Return on assets (ROA) | 1.5629% | 754 |
| Pretax return on assets | 1.5639% | 1,154 |
| Return on Equity (ROE) | 10.3159% | 1,879 |
| Retained earnings to average equity (ytd only) | 3.3658% | 3,143 |
| Net charge-offs to loans | -0.0254% | 4,489 |
| Credit loss provision to net charge-offs | -678.5714% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8665% | 3,339 |
| Assets per employee ($millions) | 4.7564% | 3,655 |
| Cash dividends to net income (ytd only)* | 67.3732% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,985 |
| Loan loss allowance to noncurrent loans | 4,552.9412% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 4,236 |
| Noncurrent loans to loans | 0.0307% | 4,192 |
| Net loans and leases to total assets | 47.8783% | 3,985 |
| Net loans and leases to deposits | 55.5042% | 4,029 |
| Net loans and leases to core deposits | 58.3572% | 4,031 |
| Total domestic deposits to total assets | 86.2607% | 2,247 |
| Equity capital to assets | 13.4143% | 960 |
| Core capital (leverage) ratio | 13.0407% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,622,400 | 4,005 |
| Average earning assets | $95,151,800 | 3,957 |
| Average equity | $15,093,200 | 3,644 |
| Average total loans | $55,075,000 | 3,997 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3526% | 1,967 |
| Cost of funding earning assets | 0.5200% | 3,114 |
| Net interest margin | 3.8326% | 1,526 |
| Noninterest income to average assets | 0.8112% | 1,451 |
| Noninterest expense to average assets | 2.5919% | 2,555 |
| Loan and lease loss provision to assets | 0.1219% | 2,808 |
| Net operating income to assets | 1.7501% | 512 |
| Return on assets (ROA) | 1.7626% | 555 |
| Pretax return on assets | 1.7640% | 843 |
| Return on Equity (ROE) | 11.2510% | 1,605 |
| Retained earnings to average equity (ytd only) | 7.9617% | 1,315 |
| Net charge-offs to loans | -0.0315% | 4,549 |
| Credit loss provision to net charge-offs | -676.9231% | 3,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0404% | 3,657 |
| Assets per employee ($millions) | 4.2503% | 4,095 |
| Cash dividends to net income (ytd only)* | 29.2356% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 1,887 |
| Loan loss allowance to noncurrent loans | 273.5714% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 3,009 |
| Noncurrent loans to loans | 0.4999% | 2,556 |
| Net loans and leases to total assets | 54.1541% | 3,788 |
| Net loans and leases to deposits | 64.2988% | 3,771 |
| Net loans and leases to core deposits | 68.3321% | 3,739 |
| Total domestic deposits to total assets | 84.2227% | 2,746 |
| Equity capital to assets | 15.3480% | 562 |
| Core capital (leverage) ratio | 14.0507% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,989,500 | 4,047 |
| Average earning assets | $91,528,750 | 4,001 |
| Average equity | $15,038,250 | 3,650 |
| Average total loans | $54,986,500 | 4,023 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4745% | 1,991 |
| Cost of funding earning assets | 0.5518% | 3,228 |
| Net interest margin | 3.9227% | 1,520 |
| Noninterest income to average assets | 0.9470% | 1,076 |
| Noninterest expense to average assets | 2.6090% | 2,636 |
| Loan and lease loss provision to assets | 0.1702% | 2,305 |
| Net operating income to assets | 1.9025% | 404 |
| Return on assets (ROA) | 1.9216% | 437 |
| Pretax return on assets | 1.9237% | 649 |
| Return on Equity (ROE) | 12.1761% | 1,292 |
| Retained earnings to average equity (ytd only) | 8.7781% | 1,082 |
| Net charge-offs to loans | -0.0366% | 4,597 |
| Credit loss provision to net charge-offs | -800.0000% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7020% | 3,982 |
| Assets per employee ($millions) | 4.1944% | 4,112 |
| Cash dividends to net income (ytd only)* | 27.9070% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 1,879 |
| Loan loss allowance to noncurrent loans | 725.9615% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 3,906 |
| Noncurrent loans to loans | 0.1829% | 3,721 |
| Net loans and leases to total assets | 55.7249% | 3,713 |
| Net loans and leases to deposits | 66.0917% | 3,712 |
| Net loans and leases to core deposits | 70.2526% | 3,687 |
| Total domestic deposits to total assets | 84.3145% | 2,631 |
| Equity capital to assets | 15.2713% | 574 |
| Core capital (leverage) ratio | 14.5430% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,983,667 | 4,071 |
| Average earning assets | $89,530,000 | 4,031 |
| Average equity | $14,832,333 | 3,678 |
| Average total loans | $54,646,333 | 4,042 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6783% | 1,783 |
| Cost of funding earning assets | 0.6312% | 3,264 |
| Net interest margin | 4.0471% | 1,264 |
| Noninterest income to average assets | 0.8605% | 1,146 |
| Noninterest expense to average assets | 2.8596% | 2,240 |
| Loan and lease loss provision to assets | 0.0309% | 3,387 |
| Net operating income to assets | 1.8137% | 400 |
| Return on assets (ROA) | 1.8534% | 409 |
| Pretax return on assets | 1.8578% | 616 |
| Return on Equity (ROE) | 11.5369% | 1,251 |
| Retained earnings to average equity (ytd only) | 11.5369% | 476 |
| Net charge-offs to loans | -0.0448% | 4,599 |
| Credit loss provision to net charge-offs | -116.6667% | 3,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7310% | 3,650 |
| Assets per employee ($millions) | 3.9233% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,433 |
| Loan loss allowance to noncurrent loans | 770.4545% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 4,021 |
| Noncurrent loans to loans | 0.1614% | 3,882 |
| Net loans and leases to total assets | 59.6558% | 3,533 |
| Net loans and leases to deposits | 71.9425% | 3,432 |
| Net loans and leases to core deposits | 77.1207% | 3,421 |
| Total domestic deposits to total assets | 82.9215% | 3,137 |
| Equity capital to assets | 16.5145% | 505 |
| Core capital (leverage) ratio | 15.3166% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7531% | 405 |
| Memoranda: | ||
| Average total assets | $90,642,500 | 4,111 |
| Average earning assets | $86,184,500 | 4,075 |
| Average equity | $14,562,000 | 3,708 |
| Average total loans | $53,544,000 | 4,078 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 2,550 |
| Cost of funding earning assets | 0.5581% | 3,833 |
| Net interest margin | 4.0601% | 1,647 |
| Noninterest income to average assets | 0.5865% | 2,286 |
| Noninterest expense to average assets | 2.8808% | 2,346 |
| Loan and lease loss provision to assets | 0.0337% | 3,337 |
| Net operating income to assets | 1.5123% | 1,020 |
| Return on assets (ROA) | 1.5101% | 1,089 |
| Pretax return on assets | 1.5112% | 1,774 |
| Return on Equity (ROE) | 9.6190% | 2,465 |
| Retained earnings to average equity (ytd only) | 3.3781% | 3,322 |
| Net charge-offs to loans | 0.0355% | 2,679 |
| Credit loss provision to net charge-offs | 166.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 825 |
| Efficiency ratio | 65.0596% | 2,922 |
| Assets per employee ($millions) | 3.7937% | 4,154 |
| Cash dividends to net income (ytd only)* | 64.8810% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,091 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 3,418 |
| Noncurrent loans to loans | 0.3975% | 3,016 |
| Net loans and leases to total assets | 57.0176% | 3,849 |
| Net loans and leases to deposits | 67.9583% | 3,825 |
| Net loans and leases to core deposits | 73.0021% | 3,796 |
| Total domestic deposits to total assets | 83.9010% | 2,878 |
| Equity capital to assets | 15.6202% | 668 |
| Core capital (leverage) ratio | 14.6485% | 763 |
| Tier 1 risk-based capital ratio | 24.4201% | 793 |
| Total risk-based capital ratio | 25.6453% | 777 |
| Memoranda: | ||
| Average total assets | $89,002,800 | 4,164 |
| Average earning assets | $84,209,000 | 4,119 |
| Average equity | $13,972,400 | 3,755 |
| Average total loans | $50,755,000 | 4,164 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 2,764 |
| Cost of funding earning assets | 0.5483% | 3,937 |
| Net interest margin | 4.0390% | 1,805 |
| Noninterest income to average assets | 0.6193% | 2,109 |
| Noninterest expense to average assets | 2.7753% | 2,637 |
| Loan and lease loss provision to assets | 0.0347% | 3,205 |
| Net operating income to assets | 1.6257% | 875 |
| Return on assets (ROA) | 1.6227% | 920 |
| Pretax return on assets | 1.6242% | 1,548 |
| Return on Equity (ROE) | 10.3232% | 2,287 |
| Retained earnings to average equity (ytd only) | 6.7863% | 1,962 |
| Net charge-offs to loans | 0.0239% | 2,624 |
| Credit loss provision to net charge-offs | 255.5556% | 1,072 |
| Earnings coverage of net charge-offs (x) | 122.5525% | 634 |
| Efficiency ratio | 62.5467% | 3,240 |
| Assets per employee ($millions) | 3.7471% | 4,221 |
| Cash dividends to net income (ytd only)* | 34.2621% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 1,908 |
| Loan loss allowance to noncurrent loans | 214.4695% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 3,012 |
| Noncurrent loans to loans | 0.6128% | 2,444 |
| Net loans and leases to total assets | 55.6878% | 4,065 |
| Net loans and leases to deposits | 66.7466% | 4,011 |
| Net loans and leases to core deposits | 71.7941% | 3,962 |
| Total domestic deposits to total assets | 83.4316% | 3,013 |
| Equity capital to assets | 16.0425% | 626 |
| Core capital (leverage) ratio | 15.2207% | 690 |
| Tier 1 risk-based capital ratio | 26.5299% | 675 |
| Total risk-based capital ratio | 27.7806% | 660 |
| Memoranda: | ||
| Average total assets | $88,491,250 | 4,222 |
| Average earning assets | $83,648,250 | 4,184 |
| Average equity | $13,910,000 | 3,793 |
| Average total loans | $50,299,000 | 4,220 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 2,868 |
| Cost of funding earning assets | 0.5330% | 3,965 |
| Net interest margin | 4.0117% | 1,888 |
| Noninterest income to average assets | 0.6749% | 1,814 |
| Noninterest expense to average assets | 2.7655% | 2,703 |
| Loan and lease loss provision to assets | 0.0341% | 3,143 |
| Net operating income to assets | 1.6702% | 767 |
| Return on assets (ROA) | 1.6680% | 805 |
| Pretax return on assets | 1.6702% | 1,334 |
| Return on Equity (ROE) | 10.6859% | 2,099 |
| Retained earnings to average equity (ytd only) | 7.0900% | 1,765 |
| Net charge-offs to loans | 0.0239% | 2,370 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 125.1667% | 584 |
| Efficiency ratio | 61.8394% | 3,457 |
| Assets per employee ($millions) | 3.7072% | 4,232 |
| Cash dividends to net income (ytd only)* | 33.6512% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,015 |
| Loan loss allowance to noncurrent loans | 206.2305% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 2,891 |
| Noncurrent loans to loans | 0.6304% | 2,366 |
| Net loans and leases to total assets | 56.4874% | 4,047 |
| Net loans and leases to deposits | 67.5711% | 3,995 |
| Net loans and leases to core deposits | 72.4575% | 3,977 |
| Total domestic deposits to total assets | 83.5971% | 3,013 |
| Equity capital to assets | 15.9219% | 627 |
| Core capital (leverage) ratio | 15.3896% | 634 |
| Tier 1 risk-based capital ratio | 25.2589% | 736 |
| Total risk-based capital ratio | 26.5094% | 720 |
| Memoranda: | ||
| Average total assets | $88,011,670 | 4,250 |
| Average earning assets | $83,306,000 | 4,212 |
| Average equity | $13,737,670 | 3,825 |
| Average total loans | $50,149,670 | 4,253 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 2,933 |
| Cost of funding earning assets | 0.5317% | 3,909 |
| Net interest margin | 3.9491% | 2,024 |
| Noninterest income to average assets | 0.6763% | 1,697 |
| Noninterest expense to average assets | 2.6276% | 3,133 |
| Loan and lease loss provision to assets | 0.0320% | 2,986 |
| Net operating income to assets | 1.7457% | 667 |
| Return on assets (ROA) | 1.7457% | 691 |
| Pretax return on assets | 1.7502% | 1,096 |
| Return on Equity (ROE) | 11.2989% | 1,823 |
| Retained earnings to average equity (ytd only) | 11.2989% | 748 |
| Net charge-offs to loans | -0.0161% | 4,406 |
| Credit loss provision to net charge-offs | -350.0000% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5855% | 3,868 |
| Assets per employee ($millions) | 3.6163% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,898 |
| Loan loss allowance to noncurrent loans | 161.4634% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 2,725 |
| Noncurrent loans to loans | 0.8321% | 1,976 |
| Net loans and leases to total assets | 56.0104% | 4,058 |
| Net loans and leases to deposits | 67.0982% | 3,975 |
| Net loans and leases to core deposits | 72.0936% | 3,938 |
| Total domestic deposits to total assets | 83.4752% | 3,228 |
| Equity capital to assets | 15.9429% | 584 |
| Core capital (leverage) ratio | 15.2615% | 645 |
| Tier 1 risk-based capital ratio | 26.0034% | 687 |
| Total risk-based capital ratio | 27.2537% | 672 |
| Memoranda: | ||
| Average total assets | $87,531,500 | 4,304 |
| Average earning assets | $82,752,000 | 4,268 |
| Average equity | $13,523,500 | 3,867 |
| Average total loans | $49,764,500 | 4,307 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 2,634 |
| Cost of funding earning assets | 0.4536% | 3,657 |
| Net interest margin | 3.9870% | 2,029 |
| Noninterest income to average assets | 0.5616% | 2,481 |
| Noninterest expense to average assets | 2.8001% | 2,694 |
| Loan and lease loss provision to assets | 0.0677% | 2,788 |
| Net operating income to assets | 1.4491% | 1,280 |
| Return on assets (ROA) | 1.4457% | 1,277 |
| Pretax return on assets | 1.4468% | 1,962 |
| Return on Equity (ROE) | 9.7424% | 2,623 |
| Retained earnings to average equity (ytd only) | 2.9865% | 3,909 |
| Net charge-offs to loans | 0.1122% | 1,628 |
| Credit loss provision to net charge-offs | 107.1429% | 2,390 |
| Earnings coverage of net charge-offs (x) | 24.0357% | 1,830 |
| Efficiency ratio | 64.8472% | 3,054 |
| Assets per employee ($millions) | 3.6780% | 4,355 |
| Cash dividends to net income (ytd only)* | 69.3448% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,041 |
| Loan loss allowance to noncurrent loans | 202.7950% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 3,094 |
| Noncurrent loans to loans | 0.6407% | 2,383 |
| Net loans and leases to total assets | 56.1922% | 4,122 |
| Net loans and leases to deposits | 66.4817% | 4,082 |
| Net loans and leases to core deposits | 71.2765% | 4,040 |
| Total domestic deposits to total assets | 84.5228% | 2,823 |
| Equity capital to assets | 14.9651% | 719 |
| Core capital (leverage) ratio | 14.4861% | 799 |
| Tier 1 risk-based capital ratio | 24.7867% | 757 |
| Total risk-based capital ratio | 26.0335% | 742 |
| Memoranda: | ||
| Average total assets | $88,676,600 | 4,296 |
| Average earning assets | $83,547,000 | 4,258 |
| Average equity | $13,159,000 | 3,861 |
| Average total loans | $49,910,600 | 4,320 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 2,676 |
| Cost of funding earning assets | 0.4415% | 3,589 |
| Net interest margin | 3.9419% | 2,157 |
| Noninterest income to average assets | 0.5782% | 2,429 |
| Noninterest expense to average assets | 2.6237% | 3,219 |
| Loan and lease loss provision to assets | 0.0345% | 3,321 |
| Net operating income to assets | 1.6325% | 890 |
| Return on assets (ROA) | 1.6310% | 901 |
| Pretax return on assets | 1.6325% | 1,480 |
| Return on Equity (ROE) | 11.0142% | 2,173 |
| Retained earnings to average equity (ytd only) | 6.8865% | 2,185 |
| Net charge-offs to loans | 0.0723% | 1,806 |
| Credit loss provision to net charge-offs | 85.1852% | 2,467 |
| Earnings coverage of net charge-offs (x) | 41.1472% | 1,330 |
| Efficiency ratio | 61.1267% | 3,645 |
| Assets per employee ($millions) | 3.8520% | 4,107 |
| Cash dividends to net income (ytd only)* | 37.4769% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,265 |
| Loan loss allowance to noncurrent loans | 232.0144% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,343 |
| Noncurrent loans to loans | 0.5469% | 2,741 |
| Net loans and leases to total assets | 56.6522% | 4,163 |
| Net loans and leases to deposits | 67.1631% | 4,111 |
| Net loans and leases to core deposits | 72.0514% | 4,080 |
| Total domestic deposits to total assets | 84.3501% | 2,835 |
| Equity capital to assets | 15.0607% | 702 |
| Core capital (leverage) ratio | 14.8402% | 739 |
| Tier 1 risk-based capital ratio | 25.1187% | 741 |
| Total risk-based capital ratio | 26.3585% | 726 |
| Memoranda: | ||
| Average total assets | $88,777,750 | 4,332 |
| Average earning assets | $83,646,500 | 4,301 |
| Average equity | $13,146,250 | 3,897 |
| Average total loans | $49,824,500 | 4,366 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 2,627 |
| Cost of funding earning assets | 0.4326% | 3,479 |
| Net interest margin | 3.9079% | 2,174 |
| Noninterest income to average assets | 0.5628% | 2,506 |
| Noninterest expense to average assets | 2.6227% | 3,254 |
| Loan and lease loss provision to assets | 0.0338% | 3,240 |
| Net operating income to assets | 1.5849% | 950 |
| Return on assets (ROA) | 1.5826% | 963 |
| Pretax return on assets | 1.5849% | 1,549 |
| Return on Equity (ROE) | 10.7487% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.5899% | 2,264 |
| Net charge-offs to loans | -0.0081% | 4,245 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8037% | 3,650 |
| Assets per employee ($millions) | 3.7403% | 4,296 |
| Cash dividends to net income (ytd only)* | 38.6913% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,053 |
| Loan loss allowance to noncurrent loans | 112.8814% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 1,585 |
| Noncurrent loans to loans | 1.1739% | 1,484 |
| Net loans and leases to total assets | 55.2481% | 4,222 |
| Net loans and leases to deposits | 65.1498% | 4,212 |
| Net loans and leases to core deposits | 69.7976% | 4,157 |
| Total domestic deposits to total assets | 84.8016% | 2,751 |
| Equity capital to assets | 14.6581% | 768 |
| Core capital (leverage) ratio | 14.7900% | 719 |
| Tier 1 risk-based capital ratio | 24.5881% | 779 |
| Total risk-based capital ratio | 25.8329% | 755 |
| Memoranda: | ||
| Average total assets | $88,838,670 | 4,368 |
| Average earning assets | $83,675,670 | 4,334 |
| Average equity | $13,080,670 | 3,920 |
| Average total loans | $49,487,330 | 4,412 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 2,730 |
| Cost of funding earning assets | 0.4321% | 3,355 |
| Net interest margin | 3.8117% | 2,377 |
| Noninterest income to average assets | 0.6472% | 2,040 |
| Noninterest expense to average assets | 2.5663% | 3,433 |
| Loan and lease loss provision to assets | 0.0317% | 3,091 |
| Net operating income to assets | 1.6385% | 780 |
| Return on assets (ROA) | 1.6385% | 782 |
| Pretax return on assets | 1.6430% | 1,263 |
| Return on Equity (ROE) | 11.1026% | 1,926 |
| Retained earnings to average equity (ytd only) | 11.1026% | 873 |
| Net charge-offs to loans | -0.0081% | 4,177 |
| Credit loss provision to net charge-offs | -700.0000% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5123% | 4,001 |
| Assets per employee ($millions) | 3.6117% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 2,121 |
| Loan loss allowance to noncurrent loans | 177.5676% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 2,202 |
| Noncurrent loans to loans | 0.7464% | 2,344 |
| Net loans and leases to total assets | 56.4271% | 4,089 |
| Net loans and leases to deposits | 67.0243% | 4,020 |
| Net loans and leases to core deposits | 72.0286% | 3,957 |
| Total domestic deposits to total assets | 84.1890% | 3,248 |
| Equity capital to assets | 15.1234% | 645 |
| Core capital (leverage) ratio | 14.6408% | 733 |
| Tier 1 risk-based capital ratio | 24.6739% | 773 |
| Total risk-based capital ratio | 25.9240% | 759 |
| Memoranda: | ||
| Average total assets | $88,375,000 | 4,425 |
| Average earning assets | $83,323,000 | 4,387 |
| Average equity | $13,042,000 | 3,960 |
| Average total loans | $49,101,000 | 4,464 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 2,549 |
| Cost of funding earning assets | 0.4166% | 3,082 |
| Net interest margin | 3.8207% | 2,352 |
| Noninterest income to average assets | 0.6139% | 2,386 |
| Noninterest expense to average assets | 2.7592% | 2,924 |
| Loan and lease loss provision to assets | 0.0550% | 3,128 |
| Net operating income to assets | 1.4005% | 1,018 |
| Return on assets (ROA) | 1.3994% | 1,039 |
| Pretax return on assets | 1.4005% | 1,983 |
| Return on Equity (ROE) | 9.6683% | 2,025 |
| Retained earnings to average equity (ytd only) | 3.0023% | 3,502 |
| Net charge-offs to loans | -0.0062% | 4,683 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4489% | 3,350 |
| Assets per employee ($millions) | 3.7529% | 4,355 |
| Cash dividends to net income (ytd only)* | 68.9465% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 2,055 |
| Loan loss allowance to noncurrent loans | 295.0000% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 2,840 |
| Noncurrent loans to loans | 0.4524% | 3,156 |
| Net loans and leases to total assets | 53.2752% | 4,417 |
| Net loans and leases to deposits | 63.0660% | 4,376 |
| Net loans and leases to core deposits | 67.5693% | 4,325 |
| Total domestic deposits to total assets | 84.4754% | 3,045 |
| Equity capital to assets | 14.4055% | 807 |
| Core capital (leverage) ratio | 13.7530% | 900 |
| Tier 1 risk-based capital ratio | 24.0554% | 811 |
| Total risk-based capital ratio | 25.3058% | 796 |
| Memoranda: | ||
| Average total assets | $90,895,600 | 4,412 |
| Average earning assets | $85,690,400 | 4,366 |
| Average equity | $13,156,400 | 3,963 |
| Average total loans | $48,241,800 | 4,510 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 2,535 |
| Cost of funding earning assets | 0.4171% | 3,017 |
| Net interest margin | 3.8067% | 2,372 |
| Noninterest income to average assets | 0.6337% | 2,291 |
| Noninterest expense to average assets | 2.6065% | 3,389 |
| Loan and lease loss provision to assets | 0.0629% | 2,811 |
| Net operating income to assets | 1.5557% | 795 |
| Return on assets (ROA) | 1.5572% | 810 |
| Pretax return on assets | 1.5586% | 1,551 |
| Return on Equity (ROE) | 10.7458% | 1,800 |
| Retained earnings to average equity (ytd only) | 8.5138% | 1,011 |
| Net charge-offs to loans | 0.0028% | 3,654 |
| Credit loss provision to net charge-offs | 4,300.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 1,109.7444% | 93 |
| Efficiency ratio | 61.6690% | 3,927 |
| Assets per employee ($millions) | 3.8038% | 4,306 |
| Cash dividends to net income (ytd only)* | 20.7707% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,232 |
| Loan loss allowance to noncurrent loans | 406.3694% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 3,219 |
| Noncurrent loans to loans | 0.3264% | 3,779 |
| Net loans and leases to total assets | 51.9925% | 4,565 |
| Net loans and leases to deposits | 61.5110% | 4,556 |
| Net loans and leases to core deposits | 67.2318% | 4,409 |
| Total domestic deposits to total assets | 84.5255% | 2,909 |
| Equity capital to assets | 14.9685% | 736 |
| Core capital (leverage) ratio | 14.0859% | 875 |
| Tier 1 risk-based capital ratio | 25.3061% | 724 |
| Total risk-based capital ratio | 26.5559% | 711 |
| Memoranda: | ||
| Average total assets | $91,102,000 | 4,449 |
| Average earning assets | $85,985,750 | 4,404 |
| Average equity | $13,201,750 | 3,999 |
| Average total loans | $48,143,750 | 4,552 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,497 |
| Cost of funding earning assets | 0.4163% | 2,920 |
| Net interest margin | 3.7773% | 2,374 |
| Noninterest income to average assets | 0.6942% | 2,014 |
| Noninterest expense to average assets | 2.6077% | 3,413 |
| Loan and lease loss provision to assets | 0.0330% | 3,333 |
| Net operating income to assets | 1.6191% | 667 |
| Return on assets (ROA) | 1.6191% | 694 |
| Pretax return on assets | 1.6213% | 1,276 |
| Return on Equity (ROE) | 11.2973% | 1,531 |
| Retained earnings to average equity (ytd only) | 9.4425% | 722 |
| Net charge-offs to loans | 0.0042% | 3,344 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 753.0000% | 102 |
| Efficiency ratio | 61.1856% | 4,135 |
| Assets per employee ($millions) | 3.8101% | 4,261 |
| Cash dividends to net income (ytd only)* | 16.4179% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,581 |
| Loan loss allowance to noncurrent loans | 2,259.2593% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,741 |
| Noncurrent loans to loans | 0.0561% | 4,907 |
| Net loans and leases to total assets | 51.9477% | 4,575 |
| Net loans and leases to deposits | 61.2116% | 4,550 |
| Net loans and leases to core deposits | 67.3453% | 4,393 |
| Total domestic deposits to total assets | 84.8658% | 2,861 |
| Equity capital to assets | 14.7110% | 764 |
| Core capital (leverage) ratio | 14.0264% | 859 |
| Tier 1 risk-based capital ratio | 25.0616% | 744 |
| Total risk-based capital ratio | 26.2739% | 730 |
| Memoranda: | ||
| Average total assets | $91,038,670 | 4,482 |
| Average earning assets | $85,988,330 | 4,433 |
| Average equity | $13,047,330 | 4,029 |
| Average total loans | $48,157,330 | 4,575 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 2,448 |
| Cost of funding earning assets | 0.4287% | 2,730 |
| Net interest margin | 3.7275% | 2,387 |
| Noninterest income to average assets | 0.8807% | 1,306 |
| Noninterest expense to average assets | 2.5496% | 3,659 |
| Loan and lease loss provision to assets | 0.0352% | 3,084 |
| Net operating income to assets | 1.8142% | 435 |
| Return on assets (ROA) | 1.8142% | 445 |
| Pretax return on assets | 1.8186% | 761 |
| Return on Equity (ROE) | 12.8299% | 1,033 |
| Retained earnings to average equity (ytd only) | 12.8299% | 390 |
| Net charge-offs to loans | -0.0415% | 5,093 |
| Credit loss provision to net charge-offs | -160.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9000% | 4,728 |
| Assets per employee ($millions) | 3.9539% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,672 |
| Loan loss allowance to noncurrent loans | 1,903.1250% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 3,797 |
| Noncurrent loans to loans | 0.0669% | 4,930 |
| Net loans and leases to total assets | 51.9540% | 4,520 |
| Net loans and leases to deposits | 61.0616% | 4,493 |
| Net loans and leases to core deposits | 67.4890% | 4,326 |
| Total domestic deposits to total assets | 85.0847% | 3,050 |
| Equity capital to assets | 14.4249% | 780 |
| Core capital (leverage) ratio | 13.9373% | 864 |
| Tier 1 risk-based capital ratio | 24.9743% | 775 |
| Total risk-based capital ratio | 26.2003% | 761 |
| Memoranda: | ||
| Average total assets | $90,837,000 | 4,525 |
| Average earning assets | $85,847,500 | 4,479 |
| Average equity | $12,845,000 | 4,079 |
| Average total loans | $48,180,000 | 4,617 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 2,390 |
| Cost of funding earning assets | 0.4458% | 2,571 |
| Net interest margin | 3.7831% | 2,379 |
| Noninterest income to average assets | 0.5884% | 2,720 |
| Noninterest expense to average assets | 2.7356% | 3,240 |
| Loan and lease loss provision to assets | 0.0511% | 3,364 |
| Net operating income to assets | 1.3712% | 1,062 |
| Return on assets (ROA) | 1.3734% | 1,105 |
| Pretax return on assets | 1.3745% | 2,032 |
| Return on Equity (ROE) | 9.5702% | 2,156 |
| Retained earnings to average equity (ytd only) | 3.0560% | 3,722 |
| Net charge-offs to loans | 0.2222% | 1,245 |
| Credit loss provision to net charge-offs | 43.8095% | 3,454 |
| Earnings coverage of net charge-offs (x) | 12.2095% | 2,473 |
| Efficiency ratio | 65.7768% | 3,633 |
| Assets per employee ($millions) | 3.7806% | 4,341 |
| Cash dividends to net income (ytd only)* | 68.0679% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,949 |
| Loan loss allowance to noncurrent loans | 315.3439% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 4,276 |
| Noncurrent loans to loans | 0.3897% | 3,747 |
| Net loans and leases to total assets | 52.8005% | 4,544 |
| Net loans and leases to deposits | 61.5879% | 4,569 |
| Net loans and leases to core deposits | 69.5145% | 4,284 |
| Total domestic deposits to total assets | 85.7319% | 2,709 |
| Equity capital to assets | 13.8559% | 936 |
| Core capital (leverage) ratio | 13.1707% | 1,072 |
| Tier 1 risk-based capital ratio | 24.2098% | 850 |
| Total risk-based capital ratio | 25.4128% | 827 |
| Memoranda: | ||
| Average total assets | $90,070,200 | 4,541 |
| Average earning assets | $85,010,400 | 4,495 |
| Average equity | $12,925,600 | 4,101 |
| Average total loans | $47,261,600 | 4,658 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 2,504 |
| Cost of funding earning assets | 0.4448% | 2,604 |
| Net interest margin | 3.7569% | 2,500 |
| Noninterest income to average assets | 0.6021% | 2,651 |
| Noninterest expense to average assets | 2.6086% | 3,633 |
| Loan and lease loss provision to assets | 0.0030% | 4,158 |
| Net operating income to assets | 1.5334% | 821 |
| Return on assets (ROA) | 1.5364% | 863 |
| Pretax return on assets | 1.5379% | 1,579 |
| Return on Equity (ROE) | 10.6140% | 1,819 |
| Retained earnings to average equity (ytd only) | 6.8540% | 1,699 |
| Net charge-offs to loans | 0.1534% | 1,465 |
| Credit loss provision to net charge-offs | 3.7037% | 3,395 |
| Earnings coverage of net charge-offs (x) | 19.2032% | 1,950 |
| Efficiency ratio | 62.9113% | 4,087 |
| Assets per employee ($millions) | 3.7955% | 4,311 |
| Cash dividends to net income (ytd only)* | 35.4246% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 3,114 |
| Loan loss allowance to noncurrent loans | 198.3553% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 3,950 |
| Noncurrent loans to loans | 0.6157% | 3,172 |
| Net loans and leases to total assets | 53.5376% | 4,535 |
| Net loans and leases to deposits | 63.1289% | 4,550 |
| Net loans and leases to core deposits | 71.2799% | 4,227 |
| Total domestic deposits to total assets | 84.8067% | 2,893 |
| Equity capital to assets | 14.7069% | 812 |
| Core capital (leverage) ratio | 13.6094% | 968 |
| Tier 1 risk-based capital ratio | 24.0454% | 900 |
| Total risk-based capital ratio | 25.2274% | 884 |
| Memoranda: | ||
| Average total assets | $89,904,250 | 4,586 |
| Average earning assets | $84,820,750 | 4,534 |
| Average equity | $13,014,000 | 4,119 |
| Average total loans | $46,951,000 | 4,704 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 2,690 |
| Cost of funding earning assets | 0.4446% | 2,620 |
| Net interest margin | 3.7013% | 2,693 |
| Noninterest income to average assets | 0.6078% | 2,575 |
| Noninterest expense to average assets | 2.6255% | 3,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4770% | 928 |
| Return on assets (ROA) | 1.4814% | 972 |
| Pretax return on assets | 1.4837% | 1,727 |
| Return on Equity (ROE) | 10.2900% | 1,929 |
| Retained earnings to average equity (ytd only) | 6.5341% | 1,858 |
| Net charge-offs to loans | 0.2297% | 1,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.4906% | 2,180 |
| Efficiency ratio | 63.9630% | 4,024 |
| Assets per employee ($millions) | 3.9346% | 4,030 |
| Cash dividends to net income (ytd only)* | 36.5008% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 3,078 |
| Loan loss allowance to noncurrent loans | 217.3285% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 4,205 |
| Noncurrent loans to loans | 0.5744% | 3,344 |
| Net loans and leases to total assets | 52.6200% | 4,623 |
| Net loans and leases to deposits | 61.9281% | 4,658 |
| Net loans and leases to core deposits | 69.7112% | 4,344 |
| Total domestic deposits to total assets | 84.9695% | 2,898 |
| Equity capital to assets | 14.5841% | 848 |
| Core capital (leverage) ratio | 13.4949% | 982 |
| Tier 1 risk-based capital ratio | 23.4107% | 974 |
| Total risk-based capital ratio | 24.5832% | 959 |
| Memoranda: | ||
| Average total assets | $89,508,000 | 4,625 |
| Average earning assets | $84,565,670 | 4,576 |
| Average equity | $12,886,330 | 4,162 |
| Average total loans | $46,144,000 | 4,764 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 2,927 |
| Cost of funding earning assets | 0.4518% | 2,561 |
| Net interest margin | 3.6285% | 2,975 |
| Noninterest income to average assets | 0.6785% | 2,142 |
| Noninterest expense to average assets | 2.5569% | 3,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5458% | 781 |
| Return on assets (ROA) | 1.5458% | 823 |
| Pretax return on assets | 1.5503% | 1,436 |
| Return on Equity (ROE) | 10.8087% | 1,674 |
| Retained earnings to average equity (ytd only) | 10.8087% | 689 |
| Net charge-offs to loans | -0.0355% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2538% | 4,416 |
| Assets per employee ($millions) | 3.8525% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 2,188 |
| Loan loss allowance to noncurrent loans | 94.8201% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 2,696 |
| Noncurrent loans to loans | 1.5317% | 1,526 |
| Net loans and leases to total assets | 50.4644% | 4,764 |
| Net loans and leases to deposits | 59.4852% | 4,753 |
| Net loans and leases to core deposits | 67.1558% | 4,464 |
| Total domestic deposits to total assets | 84.8353% | 3,191 |
| Equity capital to assets | 14.6490% | 788 |
| Core capital (leverage) ratio | 13.5654% | 961 |
| Tier 1 risk-based capital ratio | 24.5771% | 859 |
| Total risk-based capital ratio | 25.8283% | 841 |
| Memoranda: | ||
| Average total assets | $89,014,000 | 4,678 |
| Average earning assets | $84,112,000 | 4,616 |
| Average equity | $12,730,500 | 4,203 |
| Average total loans | $45,105,500 | 4,826 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 2,482 |
| Cost of funding earning assets | 0.4705% | 2,439 |
| Net interest margin | 3.7531% | 2,544 |
| Noninterest income to average assets | 0.6598% | 2,408 |
| Noninterest expense to average assets | 2.7061% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4795% | 895 |
| Return on assets (ROA) | 1.4863% | 918 |
| Pretax return on assets | 1.4874% | 1,596 |
| Return on Equity (ROE) | 10.4502% | 1,827 |
| Retained earnings to average equity (ytd only) | 2.8935% | 3,999 |
| Net charge-offs to loans | -0.0110% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6358% | 4,144 |
| Assets per employee ($millions) | 3.8879% | 4,140 |
| Cash dividends to net income (ytd only)* | 72.3112% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 2,177 |
| Loan loss allowance to noncurrent loans | 282.3276% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 4,482 |
| Noncurrent loans to loans | 0.5174% | 3,623 |
| Net loans and leases to total assets | 49.4090% | 4,920 |
| Net loans and leases to deposits | 57.7248% | 4,929 |
| Net loans and leases to core deposits | 65.0194% | 4,670 |
| Total domestic deposits to total assets | 85.5940% | 2,822 |
| Equity capital to assets | 13.9576% | 943 |
| Core capital (leverage) ratio | 13.0184% | 1,143 |
| Tier 1 risk-based capital ratio | 24.2769% | 888 |
| Total risk-based capital ratio | 25.5285% | 871 |
| Memoranda: | ||
| Average total assets | $88,206,600 | 4,707 |
| Average earning assets | $82,891,600 | 4,657 |
| Average equity | $12,545,200 | 4,213 |
| Average total loans | $45,257,200 | 4,821 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,477 |
| Cost of funding earning assets | 0.4734% | 2,465 |
| Net interest margin | 3.7582% | 2,530 |
| Noninterest income to average assets | 0.6916% | 2,271 |
| Noninterest expense to average assets | 2.5800% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6381% | 706 |
| Return on assets (ROA) | 1.6457% | 719 |
| Pretax return on assets | 1.6472% | 1,250 |
| Return on Equity (ROE) | 11.5166% | 1,520 |
| Retained earnings to average equity (ytd only) | 6.0502% | 2,214 |
| Net charge-offs to loans | 0.0323% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 98.2481% | 637 |
| Efficiency ratio | 61.1431% | 4,700 |
| Assets per employee ($millions) | 3.6060% | 4,598 |
| Cash dividends to net income (ytd only)* | 47.4655% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,601 |
| Loan loss allowance to noncurrent loans | 334.5550% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 4,805 |
| Noncurrent loans to loans | 0.4185% | 4,101 |
| Net loans and leases to total assets | 51.9944% | 4,760 |
| Net loans and leases to deposits | 61.8368% | 4,730 |
| Net loans and leases to core deposits | 67.5281% | 4,580 |
| Total domestic deposits to total assets | 84.0832% | 3,390 |
| Equity capital to assets | 14.8040% | 782 |
| Core capital (leverage) ratio | 13.4652% | 1,029 |
| Tier 1 risk-based capital ratio | 25.1765% | 837 |
| Total risk-based capital ratio | 26.4283% | 825 |
| Memoranda: | ||
| Average total assets | $87,903,000 | 4,770 |
| Average earning assets | $82,520,000 | 4,722 |
| Average equity | $12,561,250 | 4,257 |
| Average total loans | $45,362,250 | 4,866 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 2,563 |
| Cost of funding earning assets | 0.4714% | 2,502 |
| Net interest margin | 3.7201% | 2,625 |
| Noninterest income to average assets | 0.7357% | 2,058 |
| Noninterest expense to average assets | 2.5375% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6796% | 645 |
| Return on assets (ROA) | 1.6909% | 664 |
| Pretax return on assets | 1.6932% | 1,095 |
| Return on Equity (ROE) | 11.9734% | 1,382 |
| Retained earnings to average equity (ytd only) | 6.3954% | 2,008 |
| Net charge-offs to loans | -0.0044% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1395% | 4,955 |
| Assets per employee ($millions) | 3.6786% | 4,474 |
| Cash dividends to net income (ytd only)* | 46.5863% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 2,565 |
| Loan loss allowance to noncurrent loans | 185.4701% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 4,100 |
| Noncurrent loans to loans | 0.7767% | 3,169 |
| Net loans and leases to total assets | 50.4514% | 4,895 |
| Net loans and leases to deposits | 59.0892% | 4,927 |
| Net loans and leases to core deposits | 66.2305% | 4,634 |
| Total domestic deposits to total assets | 85.3818% | 2,977 |
| Equity capital to assets | 14.1720% | 925 |
| Core capital (leverage) ratio | 13.3017% | 1,051 |
| Tier 1 risk-based capital ratio | 24.4469% | 911 |
| Total risk-based capital ratio | 25.6992% | 896 |
| Memoranda: | ||
| Average total assets | $88,356,000 | 4,808 |
| Average earning assets | $82,740,330 | 4,766 |
| Average equity | $12,477,670 | 4,291 |
| Average total loans | $45,270,670 | 4,911 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 2,592 |
| Cost of funding earning assets | 0.4727% | 2,534 |
| Net interest margin | 3.6901% | 2,657 |
| Noninterest income to average assets | 0.8462% | 1,565 |
| Noninterest expense to average assets | 2.4799% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8237% | 465 |
| Return on assets (ROA) | 1.8464% | 472 |
| Pretax return on assets | 1.8509% | 792 |
| Return on Equity (ROE) | 13.0974% | 1,063 |
| Retained earnings to average equity (ytd only) | 13.0974% | 435 |
| Net charge-offs to loans | -0.0088% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5630% | 5,383 |
| Assets per employee ($millions) | 3.6460% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 2,752 |
| Loan loss allowance to noncurrent loans | 180.3324% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 4,073 |
| Noncurrent loans to loans | 0.7976% | 3,249 |
| Net loans and leases to total assets | 50.9811% | 4,747 |
| Net loans and leases to deposits | 60.0345% | 4,743 |
| Net loans and leases to core deposits | 67.4086% | 4,392 |
| Total domestic deposits to total assets | 84.9197% | 3,448 |
| Equity capital to assets | 14.5535% | 817 |
| Core capital (leverage) ratio | 13.4352% | 994 |
| Tier 1 risk-based capital ratio | 24.7940% | 909 |
| Total risk-based capital ratio | 26.0439% | 892 |
| Memoranda: | ||
| Average total assets | $88,390,500 | 4,854 |
| Average earning assets | $82,925,000 | 4,802 |
| Average equity | $12,460,500 | 4,329 |
| Average total loans | $45,309,500 | 4,940 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,427 |
| Cost of funding earning assets | 0.5001% | 2,679 |
| Net interest margin | 3.8467% | 2,438 |
| Noninterest income to average assets | 0.9103% | 1,468 |
| Noninterest expense to average assets | 2.7402% | 3,713 |
| Loan and lease loss provision to assets | 0.0456% | 3,662 |
| Net operating income to assets | 1.7123% | 569 |
| Return on assets (ROA) | 1.7123% | 589 |
| Pretax return on assets | 1.7135% | 959 |
| Return on Equity (ROE) | 12.4523% | 1,276 |
| Retained earnings to average equity (ytd only) | 3.3267% | 3,855 |
| Net charge-offs to loans | -0.0022% | 5,381 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1927% | 5,195 |
| Assets per employee ($millions) | 3.8816% | 4,204 |
| Cash dividends to net income (ytd only)* | 73.2845% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 2,785 |
| Loan loss allowance to noncurrent loans | 164.9746% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 2,985 |
| Noncurrent loans to loans | 0.8687% | 3,143 |
| Net loans and leases to total assets | 50.0773% | 4,971 |
| Net loans and leases to deposits | 58.3208% | 5,044 |
| Net loans and leases to core deposits | 65.2409% | 4,726 |
| Total domestic deposits to total assets | 85.8652% | 2,912 |
| Equity capital to assets | 13.6498% | 1,100 |
| Core capital (leverage) ratio | 12.6334% | 1,293 |
| Tier 1 risk-based capital ratio | 24.0034% | 957 |
| Total risk-based capital ratio | 25.2553% | 935 |
| Memoranda: | ||
| Average total assets | $87,659,200 | 4,895 |
| Average earning assets | $81,783,400 | 4,861 |
| Average equity | $12,054,000 | 4,348 |
| Average total loans | $45,427,800 | 4,982 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 2,384 |
| Cost of funding earning assets | 0.5048% | 2,708 |
| Net interest margin | 3.8562% | 2,407 |
| Noninterest income to average assets | 0.6326% | 2,671 |
| Noninterest expense to average assets | 2.6191% | 4,134 |
| Loan and lease loss provision to assets | 0.0550% | 3,275 |
| Net operating income to assets | 1.5525% | 838 |
| Return on assets (ROA) | 1.5525% | 870 |
| Pretax return on assets | 1.5540% | 1,469 |
| Return on Equity (ROE) | 11.2689% | 1,698 |
| Retained earnings to average equity (ytd only) | 5.8341% | 2,512 |
| Net charge-offs to loans | 0.0029% | 4,603 |
| Credit loss provision to net charge-offs | 3,600.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 1,055.6090% | 63 |
| Efficiency ratio | 60.9324% | 5,051 |
| Assets per employee ($millions) | 3.8137% | 4,264 |
| Cash dividends to net income (ytd only)* | 48.2287% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 2,867 |
| Loan loss allowance to noncurrent loans | 157.0732% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 3,844 |
| Noncurrent loans to loans | 0.9341% | 3,223 |
| Net loans and leases to total assets | 49.3057% | 5,077 |
| Net loans and leases to deposits | 57.6938% | 5,124 |
| Net loans and leases to core deposits | 63.5342% | 4,923 |
| Total domestic deposits to total assets | 85.4610% | 3,128 |
| Equity capital to assets | 13.9974% | 1,008 |
| Core capital (leverage) ratio | 13.0739% | 1,148 |
| Tier 1 risk-based capital ratio | 25.1806% | 865 |
| Total risk-based capital ratio | 26.4329% | 853 |
| Memoranda: | ||
| Average total assets | $87,255,000 | 4,953 |
| Average earning assets | $81,355,500 | 4,918 |
| Average equity | $12,021,000 | 4,381 |
| Average total loans | $45,445,500 | 5,029 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 2,107 |
| Cost of funding earning assets | 0.5076% | 2,753 |
| Net interest margin | 3.9131% | 2,107 |
| Noninterest income to average assets | 0.7302% | 2,147 |
| Noninterest expense to average assets | 2.5556% | 4,395 |
| Loan and lease loss provision to assets | 0.0551% | 3,197 |
| Net operating income to assets | 1.7635% | 519 |
| Return on assets (ROA) | 1.7726% | 536 |
| Pretax return on assets | 1.7749% | 887 |
| Return on Equity (ROE) | 12.9364% | 1,192 |
| Retained earnings to average equity (ytd only) | 6.6525% | 1,949 |
| Net charge-offs to loans | 0.0131% | 3,977 |
| Credit loss provision to net charge-offs | 800.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 264.3333% | 255 |
| Efficiency ratio | 57.1354% | 5,646 |
| Assets per employee ($millions) | 3.7927% | 4,270 |
| Cash dividends to net income (ytd only)* | 48.5751% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 3,175 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 3,953 |
| Noncurrent loans to loans | 0.9557% | 3,336 |
| Net loans and leases to total assets | 49.6601% | 4,996 |
| Net loans and leases to deposits | 58.0761% | 5,037 |
| Net loans and leases to core deposits | 63.9943% | 4,820 |
| Total domestic deposits to total assets | 85.5086% | 3,282 |
| Equity capital to assets | 13.9985% | 970 |
| Core capital (leverage) ratio | 13.1516% | 1,106 |
| Tier 1 risk-based capital ratio | 25.0139% | 872 |
| Total risk-based capital ratio | 26.2661% | 856 |
| Memoranda: | ||
| Average total assets | $87,101,330 | 4,995 |
| Average earning assets | $81,162,670 | 4,958 |
| Average equity | $11,935,330 | 4,406 |
| Average total loans | $45,963,000 | 5,032 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 2,215 |
| Cost of funding earning assets | 0.5048% | 2,854 |
| Net interest margin | 3.8763% | 2,170 |
| Noninterest income to average assets | 0.3447% | 4,616 |
| Noninterest expense to average assets | 2.4587% | 4,765 |
| Loan and lease loss provision to assets | 0.0551% | 3,012 |
| Net operating income to assets | 1.4615% | 876 |
| Return on assets (ROA) | 1.4752% | 884 |
| Pretax return on assets | 1.4798% | 1,489 |
| Return on Equity (ROE) | 10.8837% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.8837% | 765 |
| Net charge-offs to loans | 0.0341% | 2,918 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 82.7500% | 526 |
| Efficiency ratio | 60.3926% | 5,351 |
| Assets per employee ($millions) | 3.9153% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 4,005 |
| Loan loss allowance to noncurrent loans | 207.7441% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 4,394 |
| Noncurrent loans to loans | 0.6361% | 4,272 |
| Net loans and leases to total assets | 53.4892% | 4,491 |
| Net loans and leases to deposits | 62.5767% | 4,484 |
| Net loans and leases to core deposits | 69.0485% | 4,197 |
| Total domestic deposits to total assets | 85.4778% | 3,628 |
| Equity capital to assets | 13.9557% | 934 |
| Core capital (leverage) ratio | 12.9579% | 1,184 |
| Tier 1 risk-based capital ratio | 23.8759% | 1,019 |
| Total risk-based capital ratio | 25.1275% | 999 |
| Memoranda: | ||
| Average total assets | $87,036,500 | 5,043 |
| Average earning assets | $81,623,500 | 4,988 |
| Average equity | $11,797,500 | 4,448 |
| Average total loans | $46,970,000 | 5,044 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 2,586 |
| Cost of funding earning assets | 0.5835% | 2,798 |
| Net interest margin | 3.8164% | 2,596 |
| Noninterest income to average assets | 0.6045% | 3,069 |
| Noninterest expense to average assets | 2.6782% | 4,173 |
| Loan and lease loss provision to assets | 0.0956% | 3,211 |
| Net operating income to assets | 1.3990% | 1,024 |
| Return on assets (ROA) | 1.4002% | 1,066 |
| Pretax return on assets | 1.4013% | 1,775 |
| Return on Equity (ROE) | 10.4512% | 1,935 |
| Retained earnings to average equity (ytd only) | 5.2600% | 2,440 |
| Net charge-offs to loans | 0.0134% | 5,183 |
| Credit loss provision to net charge-offs | 1,383.3333% | 181 |
| Earnings coverage of net charge-offs (x) | 216.5000% | 207 |
| Efficiency ratio | 62.4000% | 5,139 |
| Assets per employee ($millions) | 3.8233% | 4,218 |
| Cash dividends to net income (ytd only)* | 49.6711% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 4,194 |
| Loan loss allowance to noncurrent loans | 229.8113% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 4,684 |
| Noncurrent loans to loans | 0.5609% | 4,585 |
| Net loans and leases to total assets | 53.0386% | 4,719 |
| Net loans and leases to deposits | 61.6899% | 4,756 |
| Net loans and leases to core deposits | 68.2870% | 4,481 |
| Total domestic deposits to total assets | 85.9762% | 3,272 |
| Equity capital to assets | 13.1618% | 1,206 |
| Core capital (leverage) ratio | 12.2581% | 1,465 |
| Tier 1 risk-based capital ratio | 22.8795% | 1,113 |
| Total risk-based capital ratio | 24.1308% | 1,091 |
| Memoranda: | ||
| Average total assets | $86,847,800 | 5,054 |
| Average earning assets | $81,227,600 | 5,005 |
| Average equity | $11,635,000 | 4,525 |
| Average total loans | $44,629,800 | 5,162 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 2,841 |
| Cost of funding earning assets | 0.6002% | 2,807 |
| Net interest margin | 3.7378% | 2,897 |
| Noninterest income to average assets | 0.6068% | 3,107 |
| Noninterest expense to average assets | 2.5133% | 4,676 |
| Loan and lease loss provision to assets | 0.1093% | 2,941 |
| Net operating income to assets | 1.4738% | 942 |
| Return on assets (ROA) | 1.4754% | 990 |
| Pretax return on assets | 1.4769% | 1,681 |
| Return on Equity (ROE) | 10.9637% | 1,833 |
| Retained earnings to average equity (ytd only) | 7.7707% | 1,517 |
| Net charge-offs to loans | -0.0121% | 5,927 |
| Credit loss provision to net charge-offs | -1,775.0000% | 6,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4138% | 5,511 |
| Assets per employee ($millions) | 4.0955% | 3,642 |
| Cash dividends to net income (ytd only)* | 29.1232% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,398 |
| Loan loss allowance to noncurrent loans | 121.6433% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.9390% | 3,787 |
| Noncurrent loans to loans | 1.0683% | 3,664 |
| Net loans and leases to total assets | 51.1698% | 4,986 |
| Net loans and leases to deposits | 59.2056% | 5,070 |
| Net loans and leases to core deposits | 65.6051% | 4,745 |
| Total domestic deposits to total assets | 86.4273% | 3,006 |
| Equity capital to assets | 13.0888% | 1,295 |
| Core capital (leverage) ratio | 12.6860% | 1,330 |
| Tier 1 risk-based capital ratio | 22.6367% | 1,206 |
| Total risk-based capital ratio | 23.8871% | 1,187 |
| Memoranda: | ||
| Average total assets | $86,575,750 | 5,109 |
| Average earning assets | $80,864,750 | 5,061 |
| Average equity | $11,650,250 | 4,565 |
| Average total loans | $43,975,000 | 5,245 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 2,957 |
| Cost of funding earning assets | 0.6208% | 2,765 |
| Net interest margin | 3.6772% | 3,047 |
| Noninterest income to average assets | 0.6136% | 3,106 |
| Noninterest expense to average assets | 2.4801% | 4,805 |
| Loan and lease loss provision to assets | 0.0562% | 3,879 |
| Net operating income to assets | 1.5152% | 876 |
| Return on assets (ROA) | 1.5152% | 942 |
| Pretax return on assets | 1.5175% | 1,569 |
| Return on Equity (ROE) | 11.1526% | 1,765 |
| Retained earnings to average equity (ytd only) | 8.4119% | 1,328 |
| Net charge-offs to loans | -0.0186% | 5,949 |
| Credit loss provision to net charge-offs | -600.0000% | 5,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0410% | 5,598 |
| Assets per employee ($millions) | 3.9439% | 3,924 |
| Cash dividends to net income (ytd only)* | 24.5750% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 4,721 |
| Loan loss allowance to noncurrent loans | 163.7427% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 3,599 |
| Noncurrent loans to loans | 0.7659% | 4,385 |
| Net loans and leases to total assets | 50.8194% | 5,016 |
| Net loans and leases to deposits | 58.8799% | 5,081 |
| Net loans and leases to core deposits | 63.6295% | 4,936 |
| Total domestic deposits to total assets | 86.3103% | 3,200 |
| Equity capital to assets | 13.1907% | 1,265 |
| Core capital (leverage) ratio | 12.4725% | 1,370 |
| Tier 1 risk-based capital ratio | 23.6728% | 1,038 |
| Total risk-based capital ratio | 24.9167% | 1,023 |
| Memoranda: | ||
| Average total assets | $85,401,000 | 5,176 |
| Average earning assets | $79,897,670 | 5,122 |
| Average equity | $11,602,670 | 4,610 |
| Average total loans | $43,063,000 | 5,297 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 2,806 |
| Cost of funding earning assets | 0.6403% | 2,742 |
| Net interest margin | 3.6803% | 2,947 |
| Noninterest income to average assets | 0.6468% | 2,893 |
| Noninterest expense to average assets | 2.5213% | 4,686 |
| Loan and lease loss provision to assets | 0.0567% | 3,691 |
| Net operating income to assets | 1.5109% | 840 |
| Return on assets (ROA) | 1.5109% | 915 |
| Pretax return on assets | 1.5156% | 1,525 |
| Return on Equity (ROE) | 10.9575% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.9575% | 888 |
| Net charge-offs to loans | 0.0852% | 2,988 |
| Credit loss provision to net charge-offs | 133.3333% | 1,484 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 842 |
| Efficiency ratio | 61.5917% | 5,360 |
| Assets per employee ($millions) | 3.8691% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 4,927 |
| Loan loss allowance to noncurrent loans | 113.1078% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 3,251 |
| Noncurrent loans to loans | 1.1078% | 3,932 |
| Net loans and leases to total assets | 49.5307% | 5,046 |
| Net loans and leases to deposits | 57.8896% | 5,052 |
| Net loans and leases to core deposits | 62.7041% | 4,887 |
| Total domestic deposits to total assets | 85.5606% | 3,766 |
| Equity capital to assets | 13.8791% | 1,067 |
| Core capital (leverage) ratio | 12.4984% | 1,339 |
| Tier 1 risk-based capital ratio | 23.8170% | 1,041 |
| Total risk-based capital ratio | 25.0341% | 1,024 |
| Memoranda: | ||
| Average total assets | $84,718,500 | 5,241 |
| Average earning assets | $79,341,000 | 5,174 |
| Average equity | $11,681,500 | 4,635 |
| Average total loans | $42,267,500 | 5,363 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 2,585 |
| Cost of funding earning assets | 0.7699% | 2,917 |
| Net interest margin | 3.9322% | 2,685 |
| Noninterest income to average assets | 0.6654% | 2,905 |
| Noninterest expense to average assets | 2.7874% | 4,071 |
| Loan and lease loss provision to assets | 0.2153% | 2,980 |
| Net operating income to assets | 1.2763% | 1,378 |
| Return on assets (ROA) | 1.3187% | 1,389 |
| Pretax return on assets | 1.3199% | 2,325 |
| Return on Equity (ROE) | 9.6851% | 2,324 |
| Retained earnings to average equity (ytd only) | 5.8111% | 2,186 |
| Net charge-offs to loans | 0.7383% | 1,594 |
| Credit loss provision to net charge-offs | 55.2795% | 4,572 |
| Earnings coverage of net charge-offs (x) | 3.8323% | 3,580 |
| Efficiency ratio | 63.0017% | 5,078 |
| Assets per employee ($millions) | 3.8325% | 4,305 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 4,774 |
| Loan loss allowance to noncurrent loans | 87.3563% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.5774% | 3,022 |
| Noncurrent loans to loans | 1.4556% | 3,415 |
| Net loans and leases to total assets | 48.9907% | 5,307 |
| Net loans and leases to deposits | 57.1067% | 5,327 |
| Net loans and leases to core deposits | 61.8933% | 5,166 |
| Total domestic deposits to total assets | 85.7880% | 3,466 |
| Equity capital to assets | 13.6973% | 1,157 |
| Core capital (leverage) ratio | 12.0554% | 1,539 |
| Tier 1 risk-based capital ratio | 23.7138% | 1,007 |
| Total risk-based capital ratio | 24.9590% | 982 |
| Memoranda: | ||
| Average total assets | $82,658,400 | 5,285 |
| Average earning assets | $75,987,400 | 5,246 |
| Average equity | $11,254,400 | 4,713 |
| Average total loans | $43,611,200 | 5,350 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8379% | 2,252 |
| Cost of funding earning assets | 0.8039% | 2,908 |
| Net interest margin | 4.0339% | 2,365 |
| Noninterest income to average assets | 0.6566% | 2,957 |
| Noninterest expense to average assets | 2.8581% | 3,756 |
| Loan and lease loss provision to assets | 0.2691% | 2,419 |
| Net operating income to assets | 1.2207% | 1,667 |
| Return on assets (ROA) | 1.2775% | 1,648 |
| Pretax return on assets | 1.2791% | 2,673 |
| Return on Equity (ROE) | 9.3969% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.7239% | 2,882 |
| Net charge-offs to loans | 0.8777% | 1,248 |
| Credit loss provision to net charge-offs | 57.2414% | 4,228 |
| Earnings coverage of net charge-offs (x) | 3.1724% | 3,761 |
| Efficiency ratio | 63.6228% | 4,868 |
| Assets per employee ($millions) | 3.7826% | 4,343 |
| Cash dividends to net income (ytd only)* | 39.0867% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 4,885 |
| Loan loss allowance to noncurrent loans | 82.8829% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.9311% | 2,739 |
| Noncurrent loans to loans | 1.5497% | 3,462 |
| Net loans and leases to total assets | 50.9812% | 5,189 |
| Net loans and leases to deposits | 59.4963% | 5,257 |
| Net loans and leases to core deposits | 64.5778% | 5,090 |
| Total domestic deposits to total assets | 85.6880% | 3,422 |
| Equity capital to assets | 13.7796% | 1,242 |
| Core capital (leverage) ratio | 12.1914% | 1,535 |
| Tier 1 risk-based capital ratio | 22.7266% | 1,213 |
| Total risk-based capital ratio | 23.9777% | 1,196 |
| Memoranda: | ||
| Average total assets | $82,244,000 | 5,344 |
| Average earning assets | $75,293,250 | 5,315 |
| Average equity | $11,180,750 | 4,771 |
| Average total loans | $44,054,250 | 5,390 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8874% | 2,162 |
| Cost of funding earning assets | 0.8408% | 2,875 |
| Net interest margin | 4.0466% | 2,310 |
| Noninterest income to average assets | 0.6348% | 3,037 |
| Noninterest expense to average assets | 2.7490% | 4,221 |
| Loan and lease loss provision to assets | 0.0586% | 4,921 |
| Net operating income to assets | 1.5259% | 955 |
| Return on assets (ROA) | 1.5259% | 1,073 |
| Pretax return on assets | 1.5283% | 1,782 |
| Return on Equity (ROE) | 11.2762% | 1,890 |
| Retained earnings to average equity (ytd only) | 6.6214% | 2,318 |
| Net charge-offs to loans | 0.1846% | 3,479 |
| Credit loss provision to net charge-offs | 58.5366% | 3,839 |
| Earnings coverage of net charge-offs (x) | 15.8537% | 1,623 |
| Efficiency ratio | 61.3176% | 5,363 |
| Assets per employee ($millions) | 3.8043% | 4,301 |
| Cash dividends to net income (ytd only)* | 41.2800% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 3,964 |
| Loan loss allowance to noncurrent loans | 50.7704% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.5784% | 2,157 |
| Noncurrent loans to loans | 2.9763% | 1,994 |
| Net loans and leases to total assets | 51.3203% | 5,182 |
| Net loans and leases to deposits | 59.5819% | 5,279 |
| Net loans and leases to core deposits | 64.6128% | 5,141 |
| Total domestic deposits to total assets | 86.1340% | 3,291 |
| Equity capital to assets | 13.4932% | 1,308 |
| Core capital (leverage) ratio | 12.2695% | 1,461 |
| Tier 1 risk-based capital ratio | 22.4224% | 1,214 |
| Total risk-based capital ratio | 23.6755% | 1,199 |
| Memoranda: | ||
| Average total assets | $81,919,670 | 5,381 |
| Average earning assets | $74,928,000 | 5,360 |
| Average equity | $11,085,330 | 4,792 |
| Average total loans | $44,413,330 | 5,412 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 2,000 |
| Cost of funding earning assets | 0.9009% | 2,682 |
| Net interest margin | 4.0675% | 2,221 |
| Noninterest income to average assets | 0.7454% | 2,422 |
| Noninterest expense to average assets | 2.8038% | 4,016 |
| Loan and lease loss provision to assets | 0.0592% | 4,669 |
| Net operating income to assets | 1.5994% | 862 |
| Return on assets (ROA) | 1.5994% | 966 |
| Pretax return on assets | 1.6043% | 1,560 |
| Return on Equity (ROE) | 11.8017% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.8017% | 855 |
| Net charge-offs to loans | 0.3392% | 2,298 |
| Credit loss provision to net charge-offs | 31.5789% | 3,595 |
| Earnings coverage of net charge-offs (x) | 8.8684% | 1,906 |
| Efficiency ratio | 60.6630% | 5,511 |
| Assets per employee ($millions) | 3.5169% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 4,309 |
| Loan loss allowance to noncurrent loans | 51.1811% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.7272% | 2,164 |
| Noncurrent loans to loans | 2.8649% | 2,252 |
| Net loans and leases to total assets | 53.9994% | 4,721 |
| Net loans and leases to deposits | 62.9734% | 4,773 |
| Net loans and leases to core deposits | 67.0468% | 4,790 |
| Total domestic deposits to total assets | 85.7494% | 3,659 |
| Equity capital to assets | 13.8030% | 1,088 |
| Core capital (leverage) ratio | 12.2301% | 1,473 |
| Tier 1 risk-based capital ratio | 22.3220% | 1,236 |
| Total risk-based capital ratio | 23.5751% | 1,213 |
| Memoranda: | ||
| Average total assets | $81,032,500 | 5,442 |
| Average earning assets | $74,149,500 | 5,428 |
| Average equity | $10,981,500 | 4,827 |
| Average total loans | $44,814,500 | 5,434 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5867% | 981 |
| Cost of funding earning assets | 1.1157% | 2,569 |
| Net interest margin | 4.4711% | 1,208 |
| Noninterest income to average assets | 0.7169% | 2,510 |
| Noninterest expense to average assets | 2.9740% | 3,690 |
| Loan and lease loss provision to assets | 0.2271% | 3,931 |
| Net operating income to assets | 1.5923% | 673 |
| Return on assets (ROA) | 1.6443% | 656 |
| Pretax return on assets | 1.6456% | 1,106 |
| Return on Equity (ROE) | 12.2112% | 1,352 |
| Retained earnings to average equity (ytd only) | 3.8914% | 3,444 |
| Net charge-offs to loans | 0.4535% | 3,171 |
| Credit loss provision to net charge-offs | 82.1101% | 4,363 |
| Earnings coverage of net charge-offs (x) | 6.5826% | 2,491 |
| Efficiency ratio | 60.0423% | 5,750 |
| Assets per employee ($millions) | 3.5294% | 4,945 |
| Cash dividends to net income (ytd only)* | 68.1327% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 4,060 |
| Loan loss allowance to noncurrent loans | 51.1734% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.7212% | 2,236 |
| Noncurrent loans to loans | 2.9161% | 2,238 |
| Net loans and leases to total assets | 54.9712% | 4,886 |
| Net loans and leases to deposits | 63.6422% | 5,054 |
| Net loans and leases to core deposits | 67.7137% | 5,064 |
| Total domestic deposits to total assets | 86.3755% | 3,094 |
| Equity capital to assets | 13.3018% | 1,361 |
| Core capital (leverage) ratio | 11.7393% | 1,743 |
| Tier 1 risk-based capital ratio | 21.2422% | 1,371 |
| Total risk-based capital ratio | 22.4961% | 1,347 |
| Memoranda: | ||
| Average total assets | $78,816,400 | 5,483 |
| Average earning assets | $71,884,400 | 5,474 |
| Average equity | $10,613,200 | 4,883 |
| Average total loans | $48,067,800 | 5,345 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 847 |
| Cost of funding earning assets | 1.1520% | 2,625 |
| Net interest margin | 4.5517% | 1,037 |
| Noninterest income to average assets | 0.7261% | 2,444 |
| Noninterest expense to average assets | 2.9555% | 3,724 |
| Loan and lease loss provision to assets | 0.2846% | 3,246 |
| Net operating income to assets | 1.6328% | 729 |
| Return on assets (ROA) | 1.7027% | 685 |
| Pretax return on assets | 1.7044% | 1,141 |
| Return on Equity (ROE) | 12.6050% | 1,385 |
| Retained earnings to average equity (ytd only) | 6.3214% | 2,352 |
| Net charge-offs to loans | 0.3774% | 3,220 |
| Credit loss provision to net charge-offs | 121.0145% | 2,677 |
| Earnings coverage of net charge-offs (x) | 8.1592% | 2,225 |
| Efficiency ratio | 58.6713% | 5,906 |
| Assets per employee ($millions) | 3.4677% | 5,074 |
| Cash dividends to net income (ytd only)* | 49.8495% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 3,799 |
| Loan loss allowance to noncurrent loans | 92.6526% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.9685% | 3,182 |
| Noncurrent loans to loans | 1.6955% | 3,764 |
| Net loans and leases to total assets | 58.4493% | 4,423 |
| Net loans and leases to deposits | 67.9949% | 4,607 |
| Net loans and leases to core deposits | 72.4658% | 4,655 |
| Total domestic deposits to total assets | 85.9613% | 3,229 |
| Equity capital to assets | 13.7040% | 1,285 |
| Core capital (leverage) ratio | 11.9721% | 1,722 |
| Tier 1 risk-based capital ratio | 21.0836% | 1,439 |
| Total risk-based capital ratio | 22.3390% | 1,415 |
| Memoranda: | ||
| Average total assets | $78,226,250 | 5,548 |
| Average earning assets | $71,297,250 | 5,535 |
| Average equity | $10,567,000 | 4,906 |
| Average total loans | $48,759,750 | 5,359 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7621% | 780 |
| Cost of funding earning assets | 1.1762% | 2,730 |
| Net interest margin | 4.5859% | 935 |
| Noninterest income to average assets | 0.7463% | 2,277 |
| Noninterest expense to average assets | 2.9518% | 3,825 |
| Loan and lease loss provision to assets | 0.0618% | 5,528 |
| Net operating income to assets | 1.9044% | 407 |
| Return on assets (ROA) | 1.9044% | 437 |
| Pretax return on assets | 1.9070% | 700 |
| Return on Equity (ROE) | 14.1681% | 942 |
| Retained earnings to average equity (ytd only) | 7.5818% | 1,624 |
| Net charge-offs to loans | 0.0447% | 5,231 |
| Credit loss provision to net charge-offs | 218.1818% | 1,368 |
| Earnings coverage of net charge-offs (x) | 69.5455% | 481 |
| Efficiency ratio | 58.0544% | 6,151 |
| Assets per employee ($millions) | 3.4126% | 5,170 |
| Cash dividends to net income (ytd only)* | 46.4865% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 4,171 |
| Loan loss allowance to noncurrent loans | 75.7544% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 3,165 |
| Noncurrent loans to loans | 1.9688% | 3,521 |
| Net loans and leases to total assets | 61.2613% | 4,032 |
| Net loans and leases to deposits | 71.2598% | 4,242 |
| Net loans and leases to core deposits | 76.0149% | 4,315 |
| Total domestic deposits to total assets | 85.9689% | 3,342 |
| Equity capital to assets | 13.7126% | 1,202 |
| Core capital (leverage) ratio | 12.1461% | 1,533 |
| Tier 1 risk-based capital ratio | 20.3505% | 1,543 |
| Total risk-based capital ratio | 21.6046% | 1,513 |
| Memoranda: | ||
| Average total assets | $77,715,670 | 5,603 |
| Average earning assets | $70,738,330 | 5,610 |
| Average equity | $10,446,000 | 4,937 |
| Average total loans | $49,225,670 | 5,389 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8887% | 609 |
| Cost of funding earning assets | 1.1995% | 2,822 |
| Net interest margin | 4.6893% | 725 |
| Noninterest income to average assets | 0.6466% | 2,865 |
| Noninterest expense to average assets | 3.0261% | 3,533 |
| Loan and lease loss provision to assets | 0.0621% | 5,218 |
| Net operating income to assets | 1.8001% | 491 |
| Return on assets (ROA) | 1.8001% | 513 |
| Pretax return on assets | 1.8053% | 811 |
| Return on Equity (ROE) | 13.5310% | 1,082 |
| Retained earnings to average equity (ytd only) | 13.5310% | 521 |
| Net charge-offs to loans | 0.1295% | 3,739 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | 22.5625% | 1,049 |
| Efficiency ratio | 59.9366% | 5,988 |
| Assets per employee ($millions) | 3.1891% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 4,397 |
| Loan loss allowance to noncurrent loans | 55.8085% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.5516% | 2,678 |
| Noncurrent loans to loans | 2.6143% | 2,885 |
| Net loans and leases to total assets | 62.7406% | 3,708 |
| Net loans and leases to deposits | 72.9758% | 3,929 |
| Net loans and leases to core deposits | 76.4921% | 4,237 |
| Total domestic deposits to total assets | 85.9745% | 3,539 |
| Equity capital to assets | 13.6950% | 1,108 |
| Core capital (leverage) ratio | 12.1287% | 1,493 |
| Tier 1 risk-based capital ratio | 20.4897% | 1,481 |
| Total risk-based capital ratio | 21.7438% | 1,459 |
| Memoranda: | ||
| Average total assets | $77,328,500 | 5,661 |
| Average earning assets | $70,032,000 | 5,668 |
| Average equity | $10,287,500 | 4,965 |
| Average total loans | $49,432,500 | 5,423 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0222% | 814 |
| Cost of funding earning assets | 1.3749% | 3,429 |
| Net interest margin | 4.6472% | 912 |
| Noninterest income to average assets | 0.7346% | 2,625 |
| Noninterest expense to average assets | 2.9667% | 3,975 |
| Loan and lease loss provision to assets | 0.1911% | 5,320 |
| Net operating income to assets | 1.8126% | 404 |
| Return on assets (ROA) | 1.8733% | 383 |
| Pretax return on assets | 1.8745% | 642 |
| Return on Equity (ROE) | 14.2742% | 838 |
| Retained earnings to average equity (ytd only) | 3.9252% | 3,110 |
| Net charge-offs to loans | 0.2554% | 4,755 |
| Credit loss provision to net charge-offs | 115.6250% | 3,734 |
| Earnings coverage of net charge-offs (x) | 12.1328% | 1,539 |
| Efficiency ratio | 57.3617% | 6,408 |
| Assets per employee ($millions) | 3.2549% | 5,524 |
| Cash dividends to net income (ytd only)* | 72.5017% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 4,393 |
| Loan loss allowance to noncurrent loans | 58.5106% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.3900% | 2,880 |
| Noncurrent loans to loans | 2.4375% | 3,083 |
| Net loans and leases to total assets | 63.2607% | 4,019 |
| Net loans and leases to deposits | 72.9116% | 4,365 |
| Net loans and leases to core deposits | 74.8644% | 4,864 |
| Total domestic deposits to total assets | 86.7636% | 2,945 |
| Equity capital to assets | 12.9202% | 1,431 |
| Core capital (leverage) ratio | 11.4316% | 1,875 |
| Tier 1 risk-based capital ratio | 19.2910% | 1,640 |
| Total risk-based capital ratio | 20.5441% | 1,612 |
| Memoranda: | ||
| Average total assets | $77,458,600 | 5,662 |
| Average earning assets | $70,622,600 | 5,646 |
| Average equity | $10,165,200 | 5,085 |
| Average total loans | $50,115,400 | 5,481 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0078% | 919 |
| Cost of funding earning assets | 1.4179% | 3,468 |
| Net interest margin | 4.5899% | 1,066 |
| Noninterest income to average assets | 0.7624% | 2,436 |
| Noninterest expense to average assets | 2.9187% | 4,014 |
| Loan and lease loss provision to assets | 0.1483% | 5,553 |
| Net operating income to assets | 1.8871% | 415 |
| Return on assets (ROA) | 1.9682% | 382 |
| Pretax return on assets | 1.9699% | 663 |
| Return on Equity (ROE) | 14.9392% | 868 |
| Retained earnings to average equity (ytd only) | 8.3403% | 1,297 |
| Net charge-offs to loans | 0.2022% | 4,729 |
| Credit loss provision to net charge-offs | 113.1579% | 3,711 |
| Earnings coverage of net charge-offs (x) | 15.5396% | 1,431 |
| Efficiency ratio | 56.4219% | 6,498 |
| Assets per employee ($millions) | 3.2729% | 5,538 |
| Cash dividends to net income (ytd only)* | 44.1714% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,564 |
| Loan loss allowance to noncurrent loans | 76.3814% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.9669% | 3,513 |
| Noncurrent loans to loans | 1.8084% | 3,937 |
| Net loans and leases to total assets | 64.0802% | 4,109 |
| Net loans and leases to deposits | 74.2919% | 4,455 |
| Net loans and leases to core deposits | 79.7399% | 4,557 |
| Total domestic deposits to total assets | 86.2546% | 2,947 |
| Equity capital to assets | 13.4118% | 1,385 |
| Core capital (leverage) ratio | 11.8340% | 1,748 |
| Tier 1 risk-based capital ratio | 19.3693% | 1,667 |
| Total risk-based capital ratio | 20.6227% | 1,637 |
| Memoranda: | ||
| Average total assets | $77,293,750 | 5,738 |
| Average earning assets | $70,617,250 | 5,718 |
| Average equity | $10,183,250 | 5,138 |
| Average total loans | $50,111,000 | 5,565 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1105% | 740 |
| Cost of funding earning assets | 1.4514% | 3,548 |
| Net interest margin | 4.6592% | 879 |
| Noninterest income to average assets | 0.7467% | 2,417 |
| Noninterest expense to average assets | 2.9476% | 3,902 |
| Loan and lease loss provision to assets | 0.1925% | 4,957 |
| Net operating income to assets | 1.8550% | 442 |
| Return on assets (ROA) | 1.8862% | 453 |
| Pretax return on assets | 1.8888% | 751 |
| Return on Equity (ROE) | 14.4049% | 957 |
| Retained earnings to average equity (ytd only) | 8.5237% | 1,256 |
| Net charge-offs to loans | 0.1647% | 4,628 |
| Credit loss provision to net charge-offs | 180.4878% | 2,175 |
| Earnings coverage of net charge-offs (x) | 19.2195% | 1,263 |
| Efficiency ratio | 56.3769% | 6,590 |
| Assets per employee ($millions) | 3.0872% | 5,952 |
| Cash dividends to net income (ytd only)* | 40.8276% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,107 |
| Loan loss allowance to noncurrent loans | 73.3132% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.9707% | 3,528 |
| Noncurrent loans to loans | 1.9949% | 3,723 |
| Net loans and leases to total assets | 63.5536% | 4,339 |
| Net loans and leases to deposits | 73.5923% | 4,743 |
| Net loans and leases to core deposits | 77.8324% | 4,981 |
| Total domestic deposits to total assets | 86.3590% | 2,896 |
| Equity capital to assets | 13.3275% | 1,426 |
| Core capital (leverage) ratio | 11.7269% | 1,789 |
| Tier 1 risk-based capital ratio | 19.4224% | 1,623 |
| Total risk-based capital ratio | 20.6766% | 1,596 |
| Memoranda: | ||
| Average total assets | $76,875,000 | 5,777 |
| Average earning assets | $70,141,330 | 5,769 |
| Average equity | $10,066,000 | 5,174 |
| Average total loans | $49,801,330 | 5,616 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0913% | 790 |
| Cost of funding earning assets | 1.5042% | 3,529 |
| Net interest margin | 4.5871% | 977 |
| Noninterest income to average assets | 0.8029% | 2,004 |
| Noninterest expense to average assets | 2.9874% | 3,727 |
| Loan and lease loss provision to assets | 0.0626% | 6,017 |
| Net operating income to assets | 1.9134% | 404 |
| Return on assets (ROA) | 1.9134% | 441 |
| Pretax return on assets | 1.9186% | 713 |
| Return on Equity (ROE) | 14.7449% | 916 |
| Retained earnings to average equity (ytd only) | 14.7449% | 434 |
| Net charge-offs to loans | 0.0803% | 4,616 |
| Credit loss provision to net charge-offs | 120.0000% | 2,902 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 722 |
| Efficiency ratio | 57.5026% | 6,564 |
| Assets per employee ($millions) | 3.0649% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 4,406 |
| Loan loss allowance to noncurrent loans | 60.4510% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 2.3844% | 3,045 |
| Noncurrent loans to loans | 2.3219% | 3,360 |
| Net loans and leases to total assets | 63.8994% | 4,353 |
| Net loans and leases to deposits | 73.9402% | 4,754 |
| Net loans and leases to core deposits | 78.2325% | 4,997 |
| Total domestic deposits to total assets | 86.4203% | 2,933 |
| Equity capital to assets | 13.2416% | 1,424 |
| Core capital (leverage) ratio | 11.6397% | 1,833 |
| Tier 1 risk-based capital ratio | 19.2352% | 1,667 |
| Total risk-based capital ratio | 20.4895% | 1,638 |
| Memoranda: | ||
| Average total assets | $76,723,000 | 5,857 |
| Average earning assets | $69,673,500 | 5,858 |
| Average equity | $9,956,000 | 5,249 |
| Average total loans | $49,813,000 | 5,677 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6225% | 539 |
| Cost of funding earning assets | 1.7771% | 4,117 |
| Net interest margin | 4.8454% | 630 |
| Noninterest income to average assets | 0.7984% | 2,410 |
| Noninterest expense to average assets | 3.2120% | 3,337 |
| Loan and lease loss provision to assets | 0.2943% | 5,072 |
| Net operating income to assets | 1.7129% | 426 |
| Return on assets (ROA) | 1.7749% | 397 |
| Pretax return on assets | 1.7762% | 665 |
| Return on Equity (ROE) | 13.7858% | 821 |
| Retained earnings to average equity (ytd only) | 4.1614% | 2,306 |
| Net charge-offs to loans | 0.1603% | 5,670 |
| Credit loss provision to net charge-offs | 278.7500% | 1,231 |
| Earnings coverage of net charge-offs (x) | 19.0250% | 1,104 |
| Efficiency ratio | 58.9990% | 6,617 |
| Assets per employee ($millions) | 2.9548% | 6,337 |
| Cash dividends to net income (ytd only)* | 69.8141% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,277 |
| Loan loss allowance to noncurrent loans | 96.5278% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.6805% | 3,846 |
| Noncurrent loans to loans | 1.4409% | 4,509 |
| Net loans and leases to total assets | 64.1375% | 4,577 |
| Net loans and leases to deposits | 73.8969% | 5,053 |
| Net loans and leases to core deposits | 83.7848% | 5,739 |
| Total domestic deposits to total assets | 86.7932% | 2,611 |
| Equity capital to assets | 12.7122% | 1,640 |
| Core capital (leverage) ratio | 11.0753% | 2,188 |
| Tier 1 risk-based capital ratio | 18.3234% | 1,804 |
| Total risk-based capital ratio | 19.5759% | 1,758 |
| Memoranda: | ||
| Average total assets | $75,778,400 | 5,844 |
| Average earning assets | $69,158,000 | 5,837 |
| Average equity | $9,756,400 | 5,366 |
| Average total loans | $49,905,000 | 5,676 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6641% | 540 |
| Cost of funding earning assets | 1.8233% | 4,263 |
| Net interest margin | 4.8408% | 636 |
| Noninterest income to average assets | 0.8422% | 2,235 |
| Noninterest expense to average assets | 3.0897% | 3,683 |
| Loan and lease loss provision to assets | 0.2401% | 5,046 |
| Net operating income to assets | 1.9404% | 330 |
| Return on assets (ROA) | 1.9404% | 355 |
| Pretax return on assets | 1.9421% | 602 |
| Return on Equity (ROE) | 15.0226% | 769 |
| Retained earnings to average equity (ytd only) | 7.1491% | 1,445 |
| Net charge-offs to loans | 0.1550% | 5,161 |
| Credit loss provision to net charge-offs | 234.4828% | 1,864 |
| Earnings coverage of net charge-offs (x) | 21.3107% | 1,205 |
| Efficiency ratio | 56.0951% | 6,987 |
| Assets per employee ($millions) | 2.9337% | 6,320 |
| Cash dividends to net income (ytd only)* | 52.4111% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 4,898 |
| Loan loss allowance to noncurrent loans | 83.8881% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.6322% | 3,912 |
| Noncurrent loans to loans | 1.4789% | 4,456 |
| Net loans and leases to total assets | 65.7498% | 4,478 |
| Net loans and leases to deposits | 76.1113% | 5,019 |
| Net loans and leases to core deposits | 86.6902% | 5,803 |
| Total domestic deposits to total assets | 86.3865% | 2,484 |
| Equity capital to assets | 13.1285% | 1,646 |
| Core capital (leverage) ratio | 11.3053% | 2,185 |
| Tier 1 risk-based capital ratio | 18.3837% | 1,892 |
| Total risk-based capital ratio | 19.6353% | 1,843 |
| Memoranda: | ||
| Average total assets | $75,517,000 | 5,889 |
| Average earning assets | $69,105,000 | 5,878 |
| Average equity | $9,754,000 | 5,414 |
| Average total loans | $49,889,250 | 5,729 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6754% | 569 |
| Cost of funding earning assets | 1.8675% | 4,433 |
| Net interest margin | 4.8079% | 643 |
| Noninterest income to average assets | 0.8663% | 2,113 |
| Noninterest expense to average assets | 3.1596% | 3,472 |
| Loan and lease loss provision to assets | 0.1966% | 5,093 |
| Net operating income to assets | 1.9133% | 364 |
| Return on assets (ROA) | 1.9133% | 395 |
| Pretax return on assets | 1.9159% | 676 |
| Return on Equity (ROE) | 14.8955% | 851 |
| Retained earnings to average equity (ytd only) | 9.4338% | 829 |
| Net charge-offs to loans | 0.1613% | 4,589 |
| Credit loss provision to net charge-offs | 185.0000% | 2,474 |
| Earnings coverage of net charge-offs (x) | 19.8750% | 1,337 |
| Efficiency ratio | 57.4093% | 6,948 |
| Assets per employee ($millions) | 2.8997% | 6,392 |
| Cash dividends to net income (ytd only)* | 36.6667% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,254 |
| Loan loss allowance to noncurrent loans | 110.1504% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 1.4697% | 4,034 |
| Noncurrent loans to loans | 1.0464% | 5,120 |
| Net loans and leases to total assets | 66.6556% | 4,425 |
| Net loans and leases to deposits | 77.1971% | 4,997 |
| Net loans and leases to core deposits | 88.3197% | 5,693 |
| Total domestic deposits to total assets | 86.3447% | 2,601 |
| Equity capital to assets | 13.0995% | 1,654 |
| Core capital (leverage) ratio | 11.3737% | 2,146 |
| Tier 1 risk-based capital ratio | 17.9151% | 2,045 |
| Total risk-based capital ratio | 19.1610% | 1,983 |
| Memoranda: | ||
| Average total assets | $75,263,670 | 5,940 |
| Average earning assets | $68,969,670 | 5,923 |
| Average equity | $9,667,330 | 5,466 |
| Average total loans | $49,591,670 | 5,786 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7101% | 573 |
| Cost of funding earning assets | 1.9513% | 4,375 |
| Net interest margin | 4.7588% | 668 |
| Noninterest income to average assets | 0.5851% | 3,657 |
| Noninterest expense to average assets | 3.0958% | 3,393 |
| Loan and lease loss provision to assets | 0.0638% | 6,154 |
| Net operating income to assets | 1.7660% | 567 |
| Return on assets (ROA) | 1.7660% | 621 |
| Pretax return on assets | 1.7713% | 1,037 |
| Return on Equity (ROE) | 13.8869% | 1,188 |
| Retained earnings to average equity (ytd only) | 13.8869% | 524 |
| Net charge-offs to loans | 0.0082% | 5,549 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 345.0000% | 110 |
| Efficiency ratio | 60.0863% | 6,394 |
| Assets per employee ($millions) | 2.8587% | 6,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 5,148 |
| Loan loss allowance to noncurrent loans | 88.2445% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 3,972 |
| Noncurrent loans to loans | 1.2990% | 4,378 |
| Net loans and leases to total assets | 65.3253% | 4,743 |
| Net loans and leases to deposits | 75.7812% | 5,253 |
| Net loans and leases to core deposits | 85.0449% | 5,976 |
| Total domestic deposits to total assets | 86.2025% | 2,612 |
| Equity capital to assets | 13.1315% | 1,688 |
| Core capital (leverage) ratio | 11.1788% | 2,359 |
| Tier 1 risk-based capital ratio | 18.0807% | 2,030 |
| Total risk-based capital ratio | 19.3106% | 1,986 |
| Memoranda: | ||
| Average total assets | $75,199,500 | 5,968 |
| Average earning assets | $68,673,000 | 5,961 |
| Average equity | $9,563,000 | 5,518 |
| Average total loans | $48,968,000 | 5,842 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3004% | 595 |
| Cost of funding earning assets | 2.2985% | 5,154 |
| Net interest margin | 5.0019% | 506 |
| Noninterest income to average assets | 0.6833% | 3,227 |
| Noninterest expense to average assets | 3.0797% | 3,784 |
| Loan and lease loss provision to assets | 0.1287% | 5,718 |
| Net operating income to assets | 2.0568% | 313 |
| Return on assets (ROA) | 2.0568% | 295 |
| Pretax return on assets | 2.0581% | 525 |
| Return on Equity (ROE) | 15.9855% | 776 |
| Retained earnings to average equity (ytd only) | 1.4261% | 4,365 |
| Net charge-offs to loans | 0.2181% | 4,041 |
| Credit loss provision to net charge-offs | 90.3846% | 5,673 |
| Earnings coverage of net charge-offs (x) | 15.3558% | 1,937 |
| Efficiency ratio | 55.8762% | 7,030 |
| Assets per employee ($millions) | 2.9259% | 6,233 |
| Cash dividends to net income (ytd only)* | 91.0786% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,050 |
| Loan loss allowance to noncurrent loans | 89.6104% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2856% | 3,653 |
| Noncurrent loans to loans | 1.2618% | 3,986 |
| Net loans and leases to total assets | 63.4487% | 5,381 |
| Net loans and leases to deposits | 72.8915% | 5,959 |
| Net loans and leases to core deposits | 82.1275% | 6,452 |
| Total domestic deposits to total assets | 87.0455% | 1,913 |
| Equity capital to assets | 12.3117% | 2,105 |
| Core capital (leverage) ratio | 10.7820% | 2,758 |
| Tier 1 risk-based capital ratio | 17.1455% | 2,265 |
| Total risk-based capital ratio | 18.3404% | 2,231 |
| Memoranda: | ||
| Average total assets | $73,027,400 | 5,935 |
| Average earning assets | $66,914,000 | 5,935 |
| Average equity | $9,396,000 | 5,606 |
| Average total loans | $47,695,400 | 5,796 |