Home > Connect Bank > Performance and Condition Ratios
Connect Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5116% | 614 |
| Cost of funding earning assets | 1.6840% | 2,762 |
| Net interest margin | 4.8276% | 392 |
| Noninterest income to average assets | 0.5700% | 1,445 |
| Noninterest expense to average assets | 3.0917% | 1,007 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.8517% | 582 |
| Return on assets (ROA) | 1.8517% | 581 |
| Pretax return on assets | 1.8517% | 881 |
| Return on Equity (ROE) | 16.0800% | 887 |
| Retained earnings to average equity (ytd only) | 16.0759% | 343 |
| Net charge-offs to loans | 0.1854% | 562 |
| Credit loss provision to net charge-offs | 85.7143% | 1,366 |
| Earnings coverage of net charge-offs (x) | 16.6286% | 1,498 |
| Efficiency ratio | 61.2517% | 2,801 |
| Assets per employee ($millions) | 4.1232% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4006% | 232 |
| Loan loss allowance to noncurrent loans | 1,848.4848% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 3,120 |
| Noncurrent loans to loans | 0.1299% | 3,035 |
| Net loans and leases to total assets | 62.2200% | 2,674 |
| Net loans and leases to deposits | 70.9753% | 2,802 |
| Net loans and leases to core deposits | 78.8574% | 2,753 |
| Total domestic deposits to total assets | 87.6700% | 1,664 |
| Equity capital to assets | 11.8278% | 1,303 |
| Core capital (leverage) ratio | 15.6209% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $119,027,500 | 3,618 |
| Average earning assets | $110,448,500 | 3,611 |
| Average equity | $13,710,000 | 3,473 |
| Average total loans | $75,508,500 | 3,502 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4727% | 736 |
| Cost of funding earning assets | 1.5821% | 3,205 |
| Net interest margin | 4.8906% | 390 |
| Noninterest income to average assets | 0.9100% | 736 |
| Noninterest expense to average assets | 3.2351% | 840 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 2.1675% | 307 |
| Return on assets (ROA) | 2.1675% | 311 |
| Pretax return on assets | 2.1675% | 451 |
| Return on Equity (ROE) | 19.0500% | 473 |
| Retained earnings to average equity (ytd only) | 5.1883% | 2,162 |
| Net charge-offs to loans | 0.1031% | 1,154 |
| Credit loss provision to net charge-offs | 65.7895% | 2,236 |
| Earnings coverage of net charge-offs (x) | 34.3026% | 1,445 |
| Efficiency ratio | 59.4052% | 3,232 |
| Assets per employee ($millions) | 3.7025% | 4,179 |
| Cash dividends to net income (ytd only)* | 72.7700% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4537% | 221 |
| Loan loss allowance to noncurrent loans | 1,098.8024% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 2,753 |
| Noncurrent loans to loans | 0.2233% | 2,617 |
| Net loans and leases to total assets | 61.5700% | 2,796 |
| Net loans and leases to deposits | 69.8828% | 2,958 |
| Net loans and leases to core deposits | 77.4712% | 2,946 |
| Total domestic deposits to total assets | 88.1100% | 1,474 |
| Equity capital to assets | 11.2060% | 1,499 |
| Core capital (leverage) ratio | 14.9378% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5974% | 433 |
| Memoranda: | ||
| Average total assets | $117,926,000 | 3,635 |
| Average earning assets | $109,475,400 | 3,611 |
| Average equity | $13,414,800 | 3,476 |
| Average total loans | $73,732,600 | 3,511 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3357% | 845 |
| Cost of funding earning assets | 1.5187% | 3,320 |
| Net interest margin | 4.8170% | 420 |
| Noninterest income to average assets | 0.7400% | 1,021 |
| Noninterest expense to average assets | 3.1117% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.1054% | 365 |
| Return on assets (ROA) | 2.1054% | 366 |
| Pretax return on assets | 2.1054% | 550 |
| Return on Equity (ROE) | 18.4400% | 536 |
| Retained earnings to average equity (ytd only) | 18.4392% | 132 |
| Net charge-offs to loans | 0.0309% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 109.4706% | 752 |
| Efficiency ratio | 59.6312% | 3,205 |
| Assets per employee ($millions) | 3.8556% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4239% | 239 |
| Loan loss allowance to noncurrent loans | 1,356.6176% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 2,938 |
| Noncurrent loans to loans | 0.1787% | 2,834 |
| Net loans and leases to total assets | 62.1400% | 2,719 |
| Net loans and leases to deposits | 71.7098% | 2,833 |
| Net loans and leases to core deposits | 79.4761% | 2,847 |
| Total domestic deposits to total assets | 86.6600% | 1,707 |
| Equity capital to assets | 12.5942% | 1,076 |
| Core capital (leverage) ratio | 16.2658% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $117,787,250 | 3,639 |
| Average earning assets | $109,388,750 | 3,620 |
| Average equity | $13,449,250 | 3,480 |
| Average total loans | $73,469,500 | 3,523 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1531% | 965 |
| Cost of funding earning assets | 1.4533% | 3,389 |
| Net interest margin | 4.6998% | 489 |
| Noninterest income to average assets | 0.7800% | 909 |
| Noninterest expense to average assets | 3.0271% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.1159% | 373 |
| Return on assets (ROA) | 2.1159% | 370 |
| Pretax return on assets | 2.1159% | 549 |
| Return on Equity (ROE) | 19.2000% | 503 |
| Retained earnings to average equity (ytd only) | 19.2030% | 142 |
| Net charge-offs to loans | 0.0551% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 62.0500% | 1,000 |
| Efficiency ratio | 58.8391% | 3,318 |
| Assets per employee ($millions) | 3.8356% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4536% | 240 |
| Loan loss allowance to noncurrent loans | 1,065.3179% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 2,687 |
| Noncurrent loans to loans | 0.2303% | 2,560 |
| Net loans and leases to total assets | 61.6200% | 2,803 |
| Net loans and leases to deposits | 70.2729% | 2,968 |
| Net loans and leases to core deposits | 76.6214% | 3,001 |
| Total domestic deposits to total assets | 87.6900% | 1,429 |
| Equity capital to assets | 11.4672% | 1,356 |
| Core capital (leverage) ratio | 15.9333% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $117,208,667 | 3,661 |
| Average earning assets | $108,855,000 | 3,639 |
| Average equity | $12,914,667 | 3,515 |
| Average total loans | $72,587,000 | 3,538 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0158% | 1,041 |
| Cost of funding earning assets | 1.4512% | 3,314 |
| Net interest margin | 4.5646% | 549 |
| Noninterest income to average assets | 0.9900% | 558 |
| Noninterest expense to average assets | 3.0973% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.1244% | 377 |
| Return on assets (ROA) | 2.1244% | 384 |
| Pretax return on assets | 2.1244% | 541 |
| Return on Equity (ROE) | 19.6900% | 460 |
| Retained earnings to average equity (ytd only) | 19.6902% | 200 |
| Net charge-offs to loans | 0.4430% | 207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 7.8354% | 1,746 |
| Efficiency ratio | 59.2763% | 3,326 |
| Assets per employee ($millions) | 3.9667% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5160% | 192 |
| Loan loss allowance to noncurrent loans | 1,524.7863% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 2,946 |
| Noncurrent loans to loans | 0.1650% | 2,801 |
| Net loans and leases to total assets | 60.0900% | 2,846 |
| Net loans and leases to deposits | 68.3358% | 3,026 |
| Net loans and leases to core deposits | 75.9961% | 2,980 |
| Total domestic deposits to total assets | 87.9300% | 1,450 |
| Equity capital to assets | 11.1298% | 1,454 |
| Core capital (leverage) ratio | 15.5309% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $116,361,000 | 3,679 |
| Average earning assets | $108,048,500 | 3,658 |
| Average equity | $12,554,500 | 3,553 |
| Average total loans | $71,324,000 | 3,555 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 1,046 |
| Cost of funding earning assets | 1.0626% | 3,167 |
| Net interest margin | 4.5237% | 593 |
| Noninterest income to average assets | 4.3600% | 139 |
| Noninterest expense to average assets | 3.5306% | 559 |
| Loan and lease loss provision to assets | 0.5400% | 161 |
| Net operating income to assets | 4.4725% | 86 |
| Return on assets (ROA) | 4.4796% | 88 |
| Pretax return on assets | 4.4796% | 99 |
| Return on Equity (ROE) | 41.3300% | 83 |
| Retained earnings to average equity (ytd only) | 12.9415% | 513 |
| Net charge-offs to loans | 0.1960% | 547 |
| Credit loss provision to net charge-offs | 428.1690% | 750 |
| Earnings coverage of net charge-offs (x) | 39.6338% | 1,451 |
| Efficiency ratio | 41.3139% | 4,333 |
| Assets per employee ($millions) | 3.9230% | 4,186 |
| Cash dividends to net income (ytd only)* | 68.6891% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 173 |
| Loan loss allowance to noncurrent loans | 1,591.4530% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 2,861 |
| Noncurrent loans to loans | 0.1631% | 2,705 |
| Net loans and leases to total assets | 59.3800% | 2,899 |
| Net loans and leases to deposits | 67.0939% | 3,099 |
| Net loans and leases to core deposits | 73.1986% | 3,113 |
| Total domestic deposits to total assets | 88.5000% | 1,207 |
| Equity capital to assets | 10.4564% | 1,745 |
| Core capital (leverage) ratio | 14.8385% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $112,218,800 | 3,726 |
| Average earning assets | $103,897,200 | 3,707 |
| Average equity | $12,162,400 | 3,507 |
| Average total loans | $72,455,200 | 3,518 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4313% | 1,094 |
| Cost of funding earning assets | 0.9856% | 3,077 |
| Net interest margin | 4.4457% | 668 |
| Noninterest income to average assets | 5.1400% | 124 |
| Noninterest expense to average assets | 3.5638% | 512 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 5.5605% | 69 |
| Return on assets (ROA) | 5.5653% | 69 |
| Pretax return on assets | 5.5653% | 88 |
| Return on Equity (ROE) | 50.8700% | 69 |
| Retained earnings to average equity (ytd only) | 50.8735% | 31 |
| Net charge-offs to loans | 0.3947% | 219 |
| Credit loss provision to net charge-offs | 49.7674% | 1,895 |
| Earnings coverage of net charge-offs (x) | 22.0093% | 1,768 |
| Efficiency ratio | 38.5055% | 4,395 |
| Assets per employee ($millions) | 3.8422% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 700 |
| Loan loss allowance to noncurrent loans | 1,083.1933% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 2,541 |
| Noncurrent loans to loans | 0.1570% | 2,765 |
| Net loans and leases to total assets | 64.6300% | 2,374 |
| Net loans and leases to deposits | 75.0948% | 2,488 |
| Net loans and leases to core deposits | 81.5086% | 2,501 |
| Total domestic deposits to total assets | 86.0600% | 2,172 |
| Equity capital to assets | 12.8216% | 851 |
| Core capital (leverage) ratio | 18.3242% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $110,851,250 | 3,748 |
| Average earning assets | $102,538,750 | 3,733 |
| Average equity | $12,126,500 | 3,517 |
| Average total loans | $72,633,750 | 3,520 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 1,136 |
| Cost of funding earning assets | 0.9158% | 2,877 |
| Net interest margin | 4.3419% | 759 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.1596% | 831 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.3732% | 1,395 |
| Return on assets (ROA) | 1.3805% | 1,358 |
| Pretax return on assets | 1.3805% | 1,861 |
| Return on Equity (ROE) | 13.4300% | 1,805 |
| Retained earnings to average equity (ytd only) | 13.4310% | 752 |
| Net charge-offs to loans | 0.1481% | 522 |
| Credit loss provision to net charge-offs | 135.8491% | 1,257 |
| Earnings coverage of net charge-offs (x) | 15.5472% | 1,850 |
| Efficiency ratio | 67.7116% | 2,011 |
| Assets per employee ($millions) | 3.6387% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 463 |
| Loan loss allowance to noncurrent loans | 602.1277% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 2,002 |
| Noncurrent loans to loans | 0.3223% | 1,981 |
| Net loans and leases to total assets | 65.5000% | 2,212 |
| Net loans and leases to deposits | 77.7466% | 2,155 |
| Net loans and leases to core deposits | 84.5194% | 2,178 |
| Total domestic deposits to total assets | 84.2400% | 2,767 |
| Equity capital to assets | 10.4406% | 1,624 |
| Core capital (leverage) ratio | 14.9599% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8037% | 568 |
| Memoranda: | ||
| Average total assets | $109,379,333 | 3,781 |
| Average earning assets | $101,108,333 | 3,764 |
| Average equity | $11,242,667 | 3,609 |
| Average total loans | $71,584,000 | 3,537 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 1,138 |
| Cost of funding earning assets | 0.7121% | 3,019 |
| Net interest margin | 4.3400% | 756 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 3.1346% | 885 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.4211% | 1,349 |
| Return on assets (ROA) | 1.4211% | 1,323 |
| Pretax return on assets | 1.4211% | 1,834 |
| Return on Equity (ROE) | 13.9400% | 1,788 |
| Retained earnings to average equity (ytd only) | 13.9358% | 951 |
| Net charge-offs to loans | 0.0282% | 1,130 |
| Credit loss provision to net charge-offs | 740.0000% | 443 |
| Earnings coverage of net charge-offs (x) | 85.2000% | 865 |
| Efficiency ratio | 66.8224% | 2,111 |
| Assets per employee ($millions) | 3.7389% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 422 |
| Loan loss allowance to noncurrent loans | 309.7614% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 1,213 |
| Noncurrent loans to loans | 0.6514% | 1,158 |
| Net loans and leases to total assets | 63.9600% | 2,253 |
| Net loans and leases to deposits | 74.0895% | 2,289 |
| Net loans and leases to core deposits | 79.2809% | 2,302 |
| Total domestic deposits to total assets | 86.3200% | 2,500 |
| Equity capital to assets | 10.5443% | 1,545 |
| Core capital (leverage) ratio | 14.8268% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $109,489,000 | 3,826 |
| Average earning assets | $101,106,500 | 3,811 |
| Average equity | $11,165,500 | 3,659 |
| Average total loans | $70,921,000 | 3,590 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 430 |
| Cost of funding earning assets | 0.3137% | 2,767 |
| Net interest margin | 4.4877% | 298 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 3.1270% | 804 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.6210% | 653 |
| Return on assets (ROA) | 1.6210% | 624 |
| Pretax return on assets | 1.6210% | 1,111 |
| Return on Equity (ROE) | 14.3800% | 1,439 |
| Retained earnings to average equity (ytd only) | 3.7284% | 3,489 |
| Net charge-offs to loans | 0.0456% | 1,229 |
| Credit loss provision to net charge-offs | 290.3226% | 923 |
| Earnings coverage of net charge-offs (x) | 61.1290% | 1,243 |
| Efficiency ratio | 64.7573% | 2,393 |
| Assets per employee ($millions) | 3.8121% | 4,342 |
| Cash dividends to net income (ytd only)* | 74.0720% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 464 |
| Loan loss allowance to noncurrent loans | 471.6216% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 1,817 |
| Noncurrent loans to loans | 0.4165% | 1,679 |
| Net loans and leases to total assets | 63.0200% | 2,328 |
| Net loans and leases to deposits | 71.2346% | 2,466 |
| Net loans and leases to core deposits | 74.9594% | 2,501 |
| Total domestic deposits to total assets | 88.4700% | 1,900 |
| Equity capital to assets | 9.8580% | 1,785 |
| Core capital (leverage) ratio | 13.9999% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6888% | 569 |
| Memoranda: | ||
| Average total assets | $111,353,800 | 3,819 |
| Average earning assets | $102,969,600 | 3,809 |
| Average equity | $12,552,200 | 3,615 |
| Average total loans | $67,998,400 | 3,608 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 342 |
| Cost of funding earning assets | 0.2649% | 2,546 |
| Net interest margin | 4.4514% | 259 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 3.1302% | 745 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.5717% | 701 |
| Return on assets (ROA) | 1.5717% | 680 |
| Pretax return on assets | 1.5717% | 1,197 |
| Return on Equity (ROE) | 13.5200% | 1,558 |
| Retained earnings to average equity (ytd only) | 13.5225% | 536 |
| Net charge-offs to loans | 0.0297% | 1,237 |
| Credit loss provision to net charge-offs | 600.0000% | 556 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 974 |
| Efficiency ratio | 65.0845% | 2,400 |
| Assets per employee ($millions) | 4.0312% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0010% | 506 |
| Loan loss allowance to noncurrent loans | 1,186.5546% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 2,914 |
| Noncurrent loans to loans | 0.1686% | 2,748 |
| Net loans and leases to total assets | 61.2700% | 2,378 |
| Net loans and leases to deposits | 69.9526% | 2,366 |
| Net loans and leases to core deposits | 73.7978% | 2,366 |
| Total domestic deposits to total assets | 87.5800% | 2,565 |
| Equity capital to assets | 10.6314% | 1,318 |
| Core capital (leverage) ratio | 14.7712% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $111,554,750 | 3,840 |
| Average earning assets | $103,185,250 | 3,825 |
| Average equity | $12,965,750 | 3,618 |
| Average total loans | $67,231,250 | 3,638 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 294 |
| Cost of funding earning assets | 0.2532% | 2,222 |
| Net interest margin | 4.3643% | 242 |
| Noninterest income to average assets | 0.7236% | 1,247 |
| Noninterest expense to average assets | 3.0599% | 776 |
| Loan and lease loss provision to assets | 0.1080% | 920 |
| Net operating income to assets | 1.5893% | 561 |
| Return on assets (ROA) | 1.5893% | 550 |
| Pretax return on assets | 1.5893% | 966 |
| Return on Equity (ROE) | 13.2905% | 1,295 |
| Retained earnings to average equity (ytd only) | 13.2905% | 436 |
| Net charge-offs to loans | 0.0544% | 844 |
| Credit loss provision to net charge-offs | 333.3333% | 758 |
| Earnings coverage of net charge-offs (x) | 52.3889% | 1,141 |
| Efficiency ratio | 64.3208% | 2,733 |
| Assets per employee ($millions) | 3.6798% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 564 |
| Loan loss allowance to noncurrent loans | 1,661.4458% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,222 |
| Noncurrent loans to loans | 0.1199% | 3,134 |
| Net loans and leases to total assets | 61.4785% | 2,173 |
| Net loans and leases to deposits | 70.4976% | 2,154 |
| Net loans and leases to core deposits | 73.8370% | 2,187 |
| Total domestic deposits to total assets | 87.2066% | 2,868 |
| Equity capital to assets | 10.7588% | 1,333 |
| Core capital (leverage) ratio | 14.5010% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6696% | 563 |
| Memoranda: | ||
| Average total assets | $111,115,333 | 3,888 |
| Average earning assets | $102,696,667 | 3,887 |
| Average equity | $13,287,667 | 3,658 |
| Average total loans | $66,120,000 | 3,693 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 348 |
| Cost of funding earning assets | 0.2559% | 2,088 |
| Net interest margin | 4.1995% | 286 |
| Noninterest income to average assets | 0.7715% | 1,111 |
| Noninterest expense to average assets | 3.0751% | 716 |
| Loan and lease loss provision to assets | 0.1076% | 782 |
| Net operating income to assets | 1.4748% | 671 |
| Return on assets (ROA) | 1.4748% | 664 |
| Pretax return on assets | 1.4748% | 1,067 |
| Return on Equity (ROE) | 11.7487% | 1,390 |
| Retained earnings to average equity (ytd only) | 11.7487% | 641 |
| Net charge-offs to loans | 0.0372% | 920 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 780 |
| Efficiency ratio | 66.0247% | 2,769 |
| Assets per employee ($millions) | 3.9398% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0787% | 543 |
| Loan loss allowance to noncurrent loans | 1,768.8312% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,366 |
| Noncurrent loans to loans | 0.1175% | 3,238 |
| Net loans and leases to total assets | 58.1627% | 2,282 |
| Net loans and leases to deposits | 67.9556% | 2,160 |
| Net loans and leases to core deposits | 71.4838% | 2,155 |
| Total domestic deposits to total assets | 85.5892% | 3,384 |
| Equity capital to assets | 12.1935% | 890 |
| Core capital (leverage) ratio | 13.9876% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,476,500 | 3,897 |
| Average earning assets | $103,154,500 | 3,897 |
| Average equity | $13,993,000 | 3,659 |
| Average total loans | $64,556,500 | 3,726 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1451% | 212 |
| Cost of funding earning assets | 0.3239% | 2,167 |
| Net interest margin | 4.8212% | 174 |
| Noninterest income to average assets | 0.6633% | 1,892 |
| Noninterest expense to average assets | 3.2077% | 718 |
| Loan and lease loss provision to assets | 0.0731% | 1,638 |
| Net operating income to assets | 1.8427% | 463 |
| Return on assets (ROA) | 1.8473% | 484 |
| Pretax return on assets | 1.8473% | 821 |
| Return on Equity (ROE) | 12.8273% | 1,517 |
| Retained earnings to average equity (ytd only) | 0.1396% | 4,453 |
| Net charge-offs to loans | 0.1195% | 757 |
| Credit loss provision to net charge-offs | 103.8961% | 1,762 |
| Earnings coverage of net charge-offs (x) | 27.2338% | 1,684 |
| Efficiency ratio | 62.6070% | 2,774 |
| Assets per employee ($millions) | 3.6335% | 4,555 |
| Cash dividends to net income (ytd only)* | 98.9120% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1041% | 519 |
| Loan loss allowance to noncurrent loans | 1,351.5152% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 3,322 |
| Noncurrent loans to loans | 0.1557% | 3,153 |
| Net loans and leases to total assets | 55.2663% | 2,706 |
| Net loans and leases to deposits | 65.2756% | 2,570 |
| Net loans and leases to core deposits | 69.0033% | 2,549 |
| Total domestic deposits to total assets | 84.6662% | 3,371 |
| Equity capital to assets | 12.9039% | 929 |
| Core capital (leverage) ratio | 13.3482% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,456,200 | 3,899 |
| Average earning assets | $101,261,000 | 3,895 |
| Average equity | $15,763,200 | 3,563 |
| Average total loans | $64,458,800 | 3,755 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 185 |
| Cost of funding earning assets | 0.3411% | 2,196 |
| Net interest margin | 5.0085% | 156 |
| Noninterest income to average assets | 0.6332% | 2,084 |
| Noninterest expense to average assets | 3.2026% | 707 |
| Loan and lease loss provision to assets | 0.0985% | 1,213 |
| Net operating income to assets | 1.9633% | 490 |
| Return on assets (ROA) | 1.9694% | 514 |
| Pretax return on assets | 1.9694% | 841 |
| Return on Equity (ROE) | 13.3162% | 1,610 |
| Retained earnings to average equity (ytd only) | 13.3162% | 590 |
| Net charge-offs to loans | 0.1526% | 544 |
| Credit loss provision to net charge-offs | 108.1081% | 1,529 |
| Earnings coverage of net charge-offs (x) | 22.7027% | 1,679 |
| Efficiency ratio | 60.8392% | 2,855 |
| Assets per employee ($millions) | 4.0482% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0253% | 604 |
| Loan loss allowance to noncurrent loans | 1,300.9709% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 3,272 |
| Noncurrent loans to loans | 0.1557% | 3,346 |
| Net loans and leases to total assets | 57.1897% | 2,591 |
| Net loans and leases to deposits | 69.1884% | 2,314 |
| Net loans and leases to core deposits | 73.4391% | 2,285 |
| Total domestic deposits to total assets | 82.6580% | 3,788 |
| Equity capital to assets | 14.7518% | 584 |
| Core capital (leverage) ratio | 14.8706% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,660,250 | 3,956 |
| Average earning assets | $100,465,750 | 3,949 |
| Average equity | $16,070,250 | 3,579 |
| Average total loans | $64,676,000 | 3,802 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7452% | 125 |
| Cost of funding earning assets | 0.3593% | 2,241 |
| Net interest margin | 5.3859% | 113 |
| Noninterest income to average assets | 0.6237% | 2,113 |
| Noninterest expense to average assets | 3.1990% | 722 |
| Loan and lease loss provision to assets | 0.1120% | 1,132 |
| Net operating income to assets | 2.2951% | 283 |
| Return on assets (ROA) | 2.3044% | 301 |
| Pretax return on assets | 2.3044% | 475 |
| Return on Equity (ROE) | 15.5677% | 1,042 |
| Retained earnings to average equity (ytd only) | 15.5677% | 373 |
| Net charge-offs to loans | 0.0125% | 1,708 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 322.2500% | 356 |
| Efficiency ratio | 57.0620% | 3,400 |
| Assets per employee ($millions) | 3.8352% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0793% | 523 |
| Loan loss allowance to noncurrent loans | 823.0769% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 3,011 |
| Noncurrent loans to loans | 0.2526% | 3,040 |
| Net loans and leases to total assets | 58.8966% | 2,552 |
| Net loans and leases to deposits | 71.4569% | 2,259 |
| Net loans and leases to core deposits | 75.7181% | 2,267 |
| Total domestic deposits to total assets | 82.4225% | 3,838 |
| Equity capital to assets | 14.7345% | 574 |
| Core capital (leverage) ratio | 14.7593% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,097,333 | 3,986 |
| Average earning assets | $99,074,333 | 3,983 |
| Average equity | $15,853,333 | 3,599 |
| Average total loans | $64,180,000 | 3,829 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9433% | 119 |
| Cost of funding earning assets | 0.3873% | 2,202 |
| Net interest margin | 5.5561% | 98 |
| Noninterest income to average assets | 0.6626% | 1,987 |
| Noninterest expense to average assets | 3.2370% | 675 |
| Loan and lease loss provision to assets | 0.1142% | 1,205 |
| Net operating income to assets | 2.5020% | 265 |
| Return on assets (ROA) | 2.5020% | 291 |
| Pretax return on assets | 2.5020% | 436 |
| Return on Equity (ROE) | 16.8613% | 871 |
| Retained earnings to average equity (ytd only) | 16.8613% | 434 |
| Net charge-offs to loans | 0.0127% | 1,491 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 343.5000% | 269 |
| Efficiency ratio | 55.3025% | 3,633 |
| Assets per employee ($millions) | 3.8817% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1529% | 459 |
| Loan loss allowance to noncurrent loans | 792.4419% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 3,162 |
| Noncurrent loans to loans | 0.2717% | 3,135 |
| Net loans and leases to total assets | 56.9962% | 2,909 |
| Net loans and leases to deposits | 69.1994% | 2,582 |
| Net loans and leases to core deposits | 73.2168% | 2,591 |
| Total domestic deposits to total assets | 82.3651% | 3,819 |
| Equity capital to assets | 14.5619% | 561 |
| Core capital (leverage) ratio | 15.1228% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,035,000 | 4,014 |
| Average earning assets | $98,126,500 | 4,000 |
| Average equity | $15,586,000 | 3,629 |
| Average total loans | $62,821,500 | 3,868 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3266% | 251 |
| Cost of funding earning assets | 0.6462% | 2,016 |
| Net interest margin | 4.6804% | 223 |
| Noninterest income to average assets | 0.6384% | 2,073 |
| Noninterest expense to average assets | 3.5421% | 653 |
| Loan and lease loss provision to assets | 0.0502% | 3,751 |
| Net operating income to assets | 1.3640% | 1,098 |
| Return on assets (ROA) | 1.3891% | 1,138 |
| Pretax return on assets | 1.3891% | 1,689 |
| Return on Equity (ROE) | 8.9467% | 2,417 |
| Retained earnings to average equity (ytd only) | 2.3207% | 3,697 |
| Net charge-offs to loans | 0.6010% | 254 |
| Credit loss provision to net charge-offs | 12.3153% | 3,249 |
| Earnings coverage of net charge-offs (x) | 3.4704% | 3,082 |
| Efficiency ratio | 71.4662% | 1,752 |
| Assets per employee ($millions) | 3.2704% | 4,730 |
| Cash dividends to net income (ytd only)* | 74.0607% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1418% | 453 |
| Loan loss allowance to noncurrent loans | 745.8101% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 1,842 |
| Noncurrent loans to loans | 0.2872% | 3,170 |
| Net loans and leases to total assets | 60.1655% | 2,842 |
| Net loans and leases to deposits | 73.9976% | 2,483 |
| Net loans and leases to core deposits | 78.6652% | 2,491 |
| Total domestic deposits to total assets | 81.3073% | 3,803 |
| Equity capital to assets | 15.1358% | 550 |
| Core capital (leverage) ratio | 14.7721% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,631,200 | 4,004 |
| Average earning assets | $91,915,800 | 4,001 |
| Average equity | $15,469,400 | 3,612 |
| Average total loans | $67,550,200 | 3,785 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4846% | 240 |
| Cost of funding earning assets | 0.6918% | 2,074 |
| Net interest margin | 4.7928% | 208 |
| Noninterest income to average assets | 0.6492% | 1,990 |
| Noninterest expense to average assets | 3.5351% | 676 |
| Loan and lease loss provision to assets | 0.0675% | 3,488 |
| Net operating income to assets | 1.4611% | 975 |
| Return on assets (ROA) | 1.4880% | 1,013 |
| Pretax return on assets | 1.4880% | 1,472 |
| Return on Equity (ROE) | 9.5220% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.5220% | 863 |
| Net charge-offs to loans | 0.6293% | 227 |
| Credit loss provision to net charge-offs | 15.3846% | 2,986 |
| Earnings coverage of net charge-offs (x) | 3.4985% | 2,909 |
| Efficiency ratio | 69.8168% | 1,908 |
| Assets per employee ($millions) | 3.5241% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 483 |
| Loan loss allowance to noncurrent loans | 208.7021% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 1,738 |
| Noncurrent loans to loans | 0.9654% | 1,558 |
| Net loans and leases to total assets | 67.3317% | 2,344 |
| Net loans and leases to deposits | 83.6510% | 1,944 |
| Net loans and leases to core deposits | 89.2400% | 2,039 |
| Total domestic deposits to total assets | 80.4912% | 3,768 |
| Equity capital to assets | 15.7916% | 495 |
| Core capital (leverage) ratio | 15.5452% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,193,500 | 4,003 |
| Average earning assets | $91,356,500 | 4,004 |
| Average equity | $15,500,500 | 3,607 |
| Average total loans | $68,854,750 | 3,773 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6193% | 268 |
| Cost of funding earning assets | 0.7379% | 2,185 |
| Net interest margin | 4.8814% | 248 |
| Noninterest income to average assets | 0.6273% | 2,023 |
| Noninterest expense to average assets | 3.5502% | 700 |
| Loan and lease loss provision to assets | 0.1018% | 2,989 |
| Net operating income to assets | 1.4625% | 992 |
| Return on assets (ROA) | 1.4747% | 1,057 |
| Pretax return on assets | 1.4747% | 1,515 |
| Return on Equity (ROE) | 9.4717% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.4717% | 886 |
| Net charge-offs to loans | 1.3305% | 97 |
| Credit loss provision to net charge-offs | 10.9890% | 2,749 |
| Earnings coverage of net charge-offs (x) | 1.6879% | 2,835 |
| Efficiency ratio | 69.4146% | 2,030 |
| Assets per employee ($millions) | 3.2393% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 593 |
| Loan loss allowance to noncurrent loans | 166.0207% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1572% | 954 |
| Noncurrent loans to loans | 1.1114% | 1,414 |
| Net loans and leases to total assets | 68.0751% | 2,342 |
| Net loans and leases to deposits | 84.8221% | 1,911 |
| Net loans and leases to core deposits | 90.2858% | 2,056 |
| Total domestic deposits to total assets | 80.2563% | 3,783 |
| Equity capital to assets | 15.6697% | 516 |
| Core capital (leverage) ratio | 15.4127% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,191,333 | 4,018 |
| Average earning assets | $90,261,000 | 4,022 |
| Average equity | $15,287,667 | 3,628 |
| Average total loans | $68,397,000 | 3,787 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3442% | 502 |
| Cost of funding earning assets | 0.7891% | 2,455 |
| Net interest margin | 4.5551% | 444 |
| Noninterest income to average assets | 0.6757% | 1,746 |
| Noninterest expense to average assets | 3.5930% | 814 |
| Loan and lease loss provision to assets | 0.1236% | 2,149 |
| Net operating income to assets | 1.1455% | 1,699 |
| Return on assets (ROA) | 1.1702% | 1,735 |
| Pretax return on assets | 1.1702% | 2,301 |
| Return on Equity (ROE) | 7.5412% | 2,719 |
| Retained earnings to average equity (ytd only) | 7.5412% | 1,364 |
| Net charge-offs to loans | 0.0590% | 1,419 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 30.8000% | 1,163 |
| Efficiency ratio | 73.8983% | 1,834 |
| Assets per employee ($millions) | 3.1469% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4959% | 251 |
| Loan loss allowance to noncurrent loans | 112.4918% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 674 |
| Noncurrent loans to loans | 2.2187% | 599 |
| Net loans and leases to total assets | 68.5187% | 2,467 |
| Net loans and leases to deposits | 85.7531% | 2,033 |
| Net loans and leases to core deposits | 95.4518% | 1,847 |
| Total domestic deposits to total assets | 79.9022% | 3,879 |
| Equity capital to assets | 15.6756% | 639 |
| Core capital (leverage) ratio | 15.7305% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,078,500 | 4,032 |
| Average earning assets | $89,218,000 | 4,032 |
| Average equity | $15,064,000 | 3,654 |
| Average total loans | $67,773,500 | 3,808 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 646 |
| Cost of funding earning assets | 0.8458% | 2,453 |
| Net interest margin | 4.5741% | 606 |
| Noninterest income to average assets | 0.6423% | 2,035 |
| Noninterest expense to average assets | 3.4874% | 979 |
| Loan and lease loss provision to assets | 0.1145% | 1,842 |
| Net operating income to assets | 1.2794% | 1,772 |
| Return on assets (ROA) | 1.2825% | 1,839 |
| Pretax return on assets | 1.2825% | 2,565 |
| Return on Equity (ROE) | 8.3531% | 3,017 |
| Retained earnings to average equity (ytd only) | 2.2510% | 3,888 |
| Net charge-offs to loans | 0.0958% | 1,767 |
| Credit loss provision to net charge-offs | 169.2308% | 1,535 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,928 |
| Efficiency ratio | 71.4438% | 1,951 |
| Assets per employee ($millions) | 3.1163% | 4,759 |
| Cash dividends to net income (ytd only)* | 73.0519% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5241% | 212 |
| Loan loss allowance to noncurrent loans | 131.8005% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.3281% | 819 |
| Noncurrent loans to loans | 1.9151% | 683 |
| Net loans and leases to total assets | 67.5987% | 2,738 |
| Net loans and leases to deposits | 81.6328% | 2,597 |
| Net loans and leases to core deposits | 90.5389% | 2,373 |
| Total domestic deposits to total assets | 82.8082% | 3,268 |
| Equity capital to assets | 15.3575% | 721 |
| Core capital (leverage) ratio | 14.9701% | 696 |
| Tier 1 risk-based capital ratio | 21.6848% | 1,064 |
| Total risk-based capital ratio | 22.9525% | 1,032 |
| Memoranda: | ||
| Average total assets | $96,060,600 | 4,061 |
| Average earning assets | $89,023,800 | 4,058 |
| Average equity | $14,749,000 | 3,662 |
| Average total loans | $67,861,600 | 3,815 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3212% | 825 |
| Cost of funding earning assets | 0.8351% | 2,539 |
| Net interest margin | 4.4861% | 794 |
| Noninterest income to average assets | 0.6491% | 1,989 |
| Noninterest expense to average assets | 3.4054% | 1,082 |
| Loan and lease loss provision to assets | 0.1251% | 1,555 |
| Net operating income to assets | 1.2926% | 1,889 |
| Return on assets (ROA) | 1.2954% | 1,964 |
| Pretax return on assets | 1.2954% | 2,684 |
| Return on Equity (ROE) | 8.4377% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.4377% | 1,230 |
| Net charge-offs to loans | 0.1410% | 1,147 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 14.1664% | 2,256 |
| Efficiency ratio | 70.6052% | 2,035 |
| Assets per employee ($millions) | 3.2754% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4360% | 240 |
| Loan loss allowance to noncurrent loans | 113.1203% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 744 |
| Noncurrent loans to loans | 2.1535% | 606 |
| Net loans and leases to total assets | 67.8228% | 2,811 |
| Net loans and leases to deposits | 82.3284% | 2,646 |
| Net loans and leases to core deposits | 91.8138% | 2,386 |
| Total domestic deposits to total assets | 82.3808% | 3,364 |
| Equity capital to assets | 15.6958% | 699 |
| Core capital (leverage) ratio | 15.8919% | 574 |
| Tier 1 risk-based capital ratio | 21.7461% | 1,105 |
| Total risk-based capital ratio | 23.0087% | 1,074 |
| Memoranda: | ||
| Average total assets | $95,924,750 | 4,109 |
| Average earning assets | $89,251,500 | 4,101 |
| Average equity | $14,727,250 | 3,692 |
| Average total loans | $68,078,500 | 3,856 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2683% | 869 |
| Cost of funding earning assets | 0.8093% | 2,598 |
| Net interest margin | 4.4590% | 835 |
| Noninterest income to average assets | 0.6727% | 1,820 |
| Noninterest expense to average assets | 3.4389% | 1,043 |
| Loan and lease loss provision to assets | 0.1261% | 1,478 |
| Net operating income to assets | 1.2654% | 1,893 |
| Return on assets (ROA) | 1.2654% | 1,961 |
| Pretax return on assets | 1.2654% | 2,692 |
| Return on Equity (ROE) | 8.3061% | 3,159 |
| Retained earnings to average equity (ytd only) | 8.3061% | 1,278 |
| Net charge-offs to loans | 0.2059% | 807 |
| Credit loss provision to net charge-offs | 85.7143% | 2,173 |
| Earnings coverage of net charge-offs (x) | 9.4571% | 2,338 |
| Efficiency ratio | 71.1923% | 2,039 |
| Assets per employee ($millions) | 3.4976% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3941% | 258 |
| Loan loss allowance to noncurrent loans | 195.8084% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 1,648 |
| Noncurrent loans to loans | 1.2227% | 1,305 |
| Net loans and leases to total assets | 68.0639% | 2,800 |
| Net loans and leases to deposits | 82.4646% | 2,677 |
| Net loans and leases to core deposits | 92.5997% | 2,357 |
| Total domestic deposits to total assets | 82.5370% | 3,360 |
| Equity capital to assets | 15.3513% | 734 |
| Core capital (leverage) ratio | 15.7196% | 586 |
| Tier 1 risk-based capital ratio | 21.3599% | 1,135 |
| Total risk-based capital ratio | 22.6230% | 1,113 |
| Memoranda: | ||
| Average total assets | $95,145,670 | 4,142 |
| Average earning assets | $88,718,670 | 4,136 |
| Average equity | $14,495,330 | 3,723 |
| Average total loans | $68,002,000 | 3,881 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 643 |
| Cost of funding earning assets | 0.7455% | 2,810 |
| Net interest margin | 4.6467% | 554 |
| Noninterest income to average assets | 0.7296% | 1,507 |
| Noninterest expense to average assets | 3.4645% | 1,018 |
| Loan and lease loss provision to assets | 0.1280% | 1,365 |
| Net operating income to assets | 1.4720% | 1,172 |
| Return on assets (ROA) | 1.4720% | 1,198 |
| Pretax return on assets | 1.4720% | 1,859 |
| Return on Equity (ROE) | 9.7005% | 2,491 |
| Retained earnings to average equity (ytd only) | 9.7005% | 1,106 |
| Net charge-offs to loans | 0.0059% | 2,491 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 375.0000% | 205 |
| Efficiency ratio | 68.4078% | 2,582 |
| Assets per employee ($millions) | 3.2614% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4748% | 254 |
| Loan loss allowance to noncurrent loans | 567.4576% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 3,356 |
| Noncurrent loans to loans | 0.4361% | 3,018 |
| Net loans and leases to total assets | 69.7476% | 2,522 |
| Net loans and leases to deposits | 84.6829% | 2,302 |
| Net loans and leases to core deposits | 91.1903% | 2,379 |
| Total domestic deposits to total assets | 82.3633% | 3,628 |
| Equity capital to assets | 15.3371% | 679 |
| Core capital (leverage) ratio | 15.9094% | 546 |
| Tier 1 risk-based capital ratio | 21.1541% | 1,145 |
| Total risk-based capital ratio | 22.4197% | 1,124 |
| Memoranda: | ||
| Average total assets | $93,752,000 | 4,205 |
| Average earning assets | $87,459,000 | 4,191 |
| Average equity | $14,226,000 | 3,770 |
| Average total loans | $67,857,000 | 3,922 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 494 |
| Cost of funding earning assets | 0.5090% | 3,295 |
| Net interest margin | 4.8748% | 337 |
| Noninterest income to average assets | 0.9176% | 1,133 |
| Noninterest expense to average assets | 3.3871% | 1,174 |
| Loan and lease loss provision to assets | 0.0538% | 3,101 |
| Net operating income to assets | 2.0463% | 323 |
| Return on assets (ROA) | 2.0603% | 315 |
| Pretax return on assets | 2.0603% | 484 |
| Return on Equity (ROE) | 13.6329% | 1,143 |
| Retained earnings to average equity (ytd only) | 3.5846% | 3,610 |
| Net charge-offs to loans | 0.0238% | 2,934 |
| Credit loss provision to net charge-offs | 312.5000% | 997 |
| Earnings coverage of net charge-offs (x) | 121.8750% | 644 |
| Efficiency ratio | 61.7272% | 3,576 |
| Assets per employee ($millions) | 3.0974% | 4,927 |
| Cash dividends to net income (ytd only)* | 73.7062% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4166% | 250 |
| Loan loss allowance to noncurrent loans | 7,152.1739% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,748 |
| Noncurrent loans to loans | 0.0338% | 4,622 |
| Net loans and leases to total assets | 71.4861% | 2,349 |
| Net loans and leases to deposits | 86.8815% | 2,171 |
| Net loans and leases to core deposits | 92.9465% | 2,324 |
| Total domestic deposits to total assets | 82.2800% | 3,562 |
| Equity capital to assets | 15.0081% | 708 |
| Core capital (leverage) ratio | 15.3383% | 620 |
| Tier 1 risk-based capital ratio | 21.5147% | 1,091 |
| Total risk-based capital ratio | 22.7790% | 1,071 |
| Memoranda: | ||
| Average total assets | $92,851,600 | 4,218 |
| Average earning assets | $87,040,000 | 4,203 |
| Average equity | $14,032,200 | 3,744 |
| Average total loans | $67,153,200 | 3,932 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2905% | 533 |
| Cost of funding earning assets | 0.4549% | 3,494 |
| Net interest margin | 4.8355% | 351 |
| Noninterest income to average assets | 0.6549% | 2,047 |
| Noninterest expense to average assets | 3.4484% | 1,052 |
| Loan and lease loss provision to assets | 0.0718% | 2,523 |
| Net operating income to assets | 1.6689% | 802 |
| Return on assets (ROA) | 1.6876% | 769 |
| Pretax return on assets | 1.6876% | 1,306 |
| Return on Equity (ROE) | 11.1474% | 2,118 |
| Retained earnings to average equity (ytd only) | 11.1474% | 614 |
| Net charge-offs to loans | 0.0279% | 2,546 |
| Credit loss provision to net charge-offs | 357.1429% | 881 |
| Earnings coverage of net charge-offs (x) | 86.5538% | 841 |
| Efficiency ratio | 66.4545% | 2,790 |
| Assets per employee ($millions) | 3.2594% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3566% | 284 |
| Loan loss allowance to noncurrent loans | 6,862.5000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,856 |
| Noncurrent loans to loans | 0.0343% | 4,742 |
| Net loans and leases to total assets | 72.1965% | 2,298 |
| Net loans and leases to deposits | 90.1636% | 1,872 |
| Net loans and leases to core deposits | 96.6259% | 2,057 |
| Total domestic deposits to total assets | 80.0728% | 4,104 |
| Equity capital to assets | 15.3379% | 652 |
| Core capital (leverage) ratio | 15.8768% | 536 |
| Tier 1 risk-based capital ratio | 21.3488% | 1,132 |
| Total risk-based capital ratio | 22.6111% | 1,115 |
| Memoranda: | ||
| Average total assets | $92,833,750 | 4,269 |
| Average earning assets | $87,047,750 | 4,245 |
| Average equity | $14,053,750 | 3,768 |
| Average total loans | $66,923,500 | 3,973 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 598 |
| Cost of funding earning assets | 0.3932% | 3,772 |
| Net interest margin | 4.7670% | 378 |
| Noninterest income to average assets | 0.6676% | 2,016 |
| Noninterest expense to average assets | 3.3965% | 1,139 |
| Loan and lease loss provision to assets | 0.1084% | 1,810 |
| Net operating income to assets | 1.6300% | 847 |
| Return on assets (ROA) | 1.6582% | 798 |
| Pretax return on assets | 1.6582% | 1,321 |
| Return on Equity (ROE) | 11.0027% | 2,116 |
| Retained earnings to average equity (ytd only) | 11.0027% | 674 |
| Net charge-offs to loans | 0.0334% | 2,185 |
| Credit loss provision to net charge-offs | 454.5455% | 751 |
| Earnings coverage of net charge-offs (x) | 72.9091% | 882 |
| Efficiency ratio | 66.1461% | 2,951 |
| Assets per employee ($millions) | 3.1556% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3596% | 290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.1218% | 2,255 |
| Net loans and leases to deposits | 91.3833% | 1,663 |
| Net loans and leases to core deposits | 98.5594% | 1,853 |
| Total domestic deposits to total assets | 78.9224% | 4,439 |
| Equity capital to assets | 14.9933% | 686 |
| Core capital (leverage) ratio | 15.8964% | 515 |
| Tier 1 risk-based capital ratio | 20.5354% | 1,243 |
| Total risk-based capital ratio | 21.7973% | 1,212 |
| Memoranda: | ||
| Average total assets | $92,270,330 | 4,310 |
| Average earning assets | $86,470,000 | 4,286 |
| Average equity | $13,905,670 | 3,807 |
| Average total loans | $65,934,670 | 4,018 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 614 |
| Cost of funding earning assets | 0.3380% | 4,081 |
| Net interest margin | 4.7319% | 383 |
| Noninterest income to average assets | 0.6984% | 1,841 |
| Noninterest expense to average assets | 3.4566% | 1,072 |
| Loan and lease loss provision to assets | 0.1318% | 1,437 |
| Net operating income to assets | 1.5373% | 985 |
| Return on assets (ROA) | 1.5944% | 871 |
| Pretax return on assets | 1.5944% | 1,411 |
| Return on Equity (ROE) | 10.5512% | 2,150 |
| Retained earnings to average equity (ytd only) | 10.5512% | 1,003 |
| Net charge-offs to loans | 0.0751% | 1,375 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,208 |
| Efficiency ratio | 67.4379% | 2,927 |
| Assets per employee ($millions) | 3.0055% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5089% | 248 |
| Loan loss allowance to noncurrent loans | 14,809.0909% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,912 |
| Noncurrent loans to loans | 0.0169% | 4,917 |
| Net loans and leases to total assets | 70.2035% | 2,449 |
| Net loans and leases to deposits | 83.6337% | 2,429 |
| Net loans and leases to core deposits | 89.8470% | 2,464 |
| Total domestic deposits to total assets | 83.9417% | 3,349 |
| Equity capital to assets | 15.3430% | 595 |
| Core capital (leverage) ratio | 15.8698% | 506 |
| Tier 1 risk-based capital ratio | 20.6789% | 1,248 |
| Total risk-based capital ratio | 21.9420% | 1,226 |
| Memoranda: | ||
| Average total assets | $91,071,000 | 4,383 |
| Average earning assets | $85,209,000 | 4,360 |
| Average equity | $13,761,500 | 3,862 |
| Average total loans | $63,938,500 | 4,102 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 771 |
| Cost of funding earning assets | 0.2935% | 4,202 |
| Net interest margin | 4.6212% | 481 |
| Noninterest income to average assets | 0.7144% | 1,900 |
| Noninterest expense to average assets | 3.4950% | 1,048 |
| Loan and lease loss provision to assets | 0.0329% | 3,603 |
| Net operating income to assets | 1.5055% | 793 |
| Return on assets (ROA) | 1.5110% | 794 |
| Pretax return on assets | 1.5110% | 1,595 |
| Return on Equity (ROE) | 9.9382% | 1,911 |
| Retained earnings to average equity (ytd only) | 2.6271% | 3,748 |
| Net charge-offs to loans | 0.0901% | 2,189 |
| Credit loss provision to net charge-offs | 53.5714% | 3,290 |
| Earnings coverage of net charge-offs (x) | 25.0357% | 1,732 |
| Efficiency ratio | 69.4354% | 2,631 |
| Assets per employee ($millions) | 3.2849% | 4,949 |
| Cash dividends to net income (ytd only)* | 73.5657% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5576% | 229 |
| Loan loss allowance to noncurrent loans | 6,192.3077% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 4,876 |
| Noncurrent loans to loans | 0.0413% | 4,820 |
| Net loans and leases to total assets | 66.6895% | 3,009 |
| Net loans and leases to deposits | 79.0777% | 3,013 |
| Net loans and leases to core deposits | 84.0629% | 3,049 |
| Total domestic deposits to total assets | 84.3341% | 3,088 |
| Equity capital to assets | 14.8831% | 703 |
| Core capital (leverage) ratio | 15.1151% | 599 |
| Tier 1 risk-based capital ratio | 21.4672% | 1,074 |
| Total risk-based capital ratio | 22.7311% | 1,055 |
| Memoranda: | ||
| Average total assets | $91,130,600 | 4,406 |
| Average earning assets | $85,172,400 | 4,373 |
| Average equity | $13,855,600 | 3,859 |
| Average total loans | $62,170,000 | 4,149 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8661% | 812 |
| Cost of funding earning assets | 0.2872% | 4,247 |
| Net interest margin | 4.5788% | 511 |
| Noninterest income to average assets | 0.7582% | 1,739 |
| Noninterest expense to average assets | 3.3538% | 1,239 |
| Loan and lease loss provision to assets | 0.0440% | 3,222 |
| Net operating income to assets | 1.6381% | 649 |
| Return on assets (ROA) | 1.6454% | 662 |
| Pretax return on assets | 1.6454% | 1,255 |
| Return on Equity (ROE) | 10.7644% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.7644% | 447 |
| Net charge-offs to loans | 0.1291% | 1,494 |
| Credit loss provision to net charge-offs | 50.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 19.1163% | 2,016 |
| Efficiency ratio | 66.5987% | 3,106 |
| Assets per employee ($millions) | 3.2686% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4711% | 275 |
| Loan loss allowance to noncurrent loans | 2,772.4138% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 4,571 |
| Noncurrent loans to loans | 0.0891% | 4,712 |
| Net loans and leases to total assets | 69.3444% | 2,655 |
| Net loans and leases to deposits | 83.7831% | 2,582 |
| Net loans and leases to core deposits | 89.1223% | 2,682 |
| Total domestic deposits to total assets | 82.7666% | 3,532 |
| Equity capital to assets | 15.9233% | 556 |
| Core capital (leverage) ratio | 16.1264% | 477 |
| Tier 1 risk-based capital ratio | 21.6598% | 1,088 |
| Total risk-based capital ratio | 22.9238% | 1,069 |
| Memoranda: | ||
| Average total assets | $90,919,000 | 4,451 |
| Average earning assets | $84,940,000 | 4,420 |
| Average equity | $13,897,250 | 3,896 |
| Average total loans | $61,975,250 | 4,193 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 864 |
| Cost of funding earning assets | 0.2808% | 4,278 |
| Net interest margin | 4.5167% | 549 |
| Noninterest income to average assets | 0.8400% | 1,441 |
| Noninterest expense to average assets | 3.4789% | 1,043 |
| Loan and lease loss provision to assets | 0.0661% | 2,643 |
| Net operating income to assets | 1.5146% | 836 |
| Return on assets (ROA) | 1.5146% | 863 |
| Pretax return on assets | 1.5146% | 1,587 |
| Return on Equity (ROE) | 10.0497% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.0497% | 575 |
| Net charge-offs to loans | 0.0197% | 2,848 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 119.5000% | 578 |
| Efficiency ratio | 68.7582% | 2,881 |
| Assets per employee ($millions) | 3.3550% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6250% | 247 |
| Loan loss allowance to noncurrent loans | 1,071.6129% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 4,410 |
| Noncurrent loans to loans | 0.2450% | 4,152 |
| Net loans and leases to total assets | 68.0197% | 2,815 |
| Net loans and leases to deposits | 83.1736% | 2,582 |
| Net loans and leases to core deposits | 86.8074% | 2,811 |
| Total domestic deposits to total assets | 81.7804% | 3,949 |
| Equity capital to assets | 15.6275% | 587 |
| Core capital (leverage) ratio | 15.9372% | 487 |
| Tier 1 risk-based capital ratio | 34.2208% | 326 |
| Total risk-based capital ratio | 35.5043% | 318 |
| Memoranda: | ||
| Average total assets | $90,718,670 | 4,485 |
| Average earning assets | $84,751,670 | 4,451 |
| Average equity | $13,672,000 | 3,935 |
| Average total loans | $60,943,000 | 4,243 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 938 |
| Cost of funding earning assets | 0.2782% | 4,270 |
| Net interest margin | 4.4228% | 614 |
| Noninterest income to average assets | 1.0662% | 879 |
| Noninterest expense to average assets | 3.6746% | 805 |
| Loan and lease loss provision to assets | 0.1322% | 1,446 |
| Net operating income to assets | 1.3923% | 1,013 |
| Return on assets (ROA) | 1.3923% | 1,046 |
| Pretax return on assets | 1.3923% | 1,916 |
| Return on Equity (ROE) | 9.4118% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.4118% | 942 |
| Net charge-offs to loans | 0.0335% | 2,109 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 69.2000% | 730 |
| Efficiency ratio | 70.6780% | 2,792 |
| Assets per employee ($millions) | 3.1081% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7393% | 240 |
| Loan loss allowance to noncurrent loans | 1,066.0256% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 4,457 |
| Noncurrent loans to loans | 0.2570% | 4,194 |
| Net loans and leases to total assets | 65.5066% | 3,047 |
| Net loans and leases to deposits | 78.0244% | 2,961 |
| Net loans and leases to core deposits | 81.3460% | 3,152 |
| Total domestic deposits to total assets | 83.9565% | 3,493 |
| Equity capital to assets | 15.0916% | 636 |
| Core capital (leverage) ratio | 15.4929% | 527 |
| Tier 1 risk-based capital ratio | 21.5821% | 1,138 |
| Total risk-based capital ratio | 22.8479% | 1,114 |
| Memoranda: | ||
| Average total assets | $90,786,000 | 4,526 |
| Average earning assets | $84,833,000 | 4,498 |
| Average equity | $13,430,000 | 3,997 |
| Average total loans | $59,776,500 | 4,311 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 805 |
| Cost of funding earning assets | 0.2840% | 4,218 |
| Net interest margin | 4.5631% | 538 |
| Noninterest income to average assets | 0.5483% | 2,927 |
| Noninterest expense to average assets | 3.3757% | 1,411 |
| Loan and lease loss provision to assets | 0.0817% | 2,722 |
| Net operating income to assets | 1.3472% | 1,100 |
| Return on assets (ROA) | 1.4432% | 956 |
| Pretax return on assets | 1.4432% | 1,774 |
| Return on Equity (ROE) | 9.6669% | 2,122 |
| Retained earnings to average equity (ytd only) | 2.5482% | 4,066 |
| Net charge-offs to loans | 0.2455% | 1,127 |
| Credit loss provision to net charge-offs | 49.3421% | 3,387 |
| Earnings coverage of net charge-offs (x) | 8.6250% | 2,849 |
| Efficiency ratio | 70.2586% | 2,858 |
| Assets per employee ($millions) | 3.2656% | 5,083 |
| Cash dividends to net income (ytd only)* | 73.6405% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7819% | 229 |
| Loan loss allowance to noncurrent loans | 904.4199% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 4,423 |
| Noncurrent loans to loans | 0.3076% | 4,035 |
| Net loans and leases to total assets | 62.5662% | 3,532 |
| Net loans and leases to deposits | 74.1324% | 3,500 |
| Net loans and leases to core deposits | 77.2090% | 3,635 |
| Total domestic deposits to total assets | 84.3978% | 3,272 |
| Equity capital to assets | 14.4987% | 733 |
| Core capital (leverage) ratio | 14.8247% | 627 |
| Tier 1 risk-based capital ratio | 21.9303% | 1,093 |
| Total risk-based capital ratio | 23.1981% | 1,064 |
| Memoranda: | ||
| Average total assets | $91,743,600 | 4,518 |
| Average earning assets | $85,578,400 | 4,482 |
| Average equity | $13,696,200 | 3,991 |
| Average total loans | $61,915,800 | 4,231 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 775 |
| Cost of funding earning assets | 0.2835% | 4,271 |
| Net interest margin | 4.5874% | 520 |
| Noninterest income to average assets | 0.4879% | 3,336 |
| Noninterest expense to average assets | 3.3557% | 1,439 |
| Loan and lease loss provision to assets | 0.1089% | 2,110 |
| Net operating income to assets | 1.2996% | 1,294 |
| Return on assets (ROA) | 1.4245% | 1,070 |
| Pretax return on assets | 1.4245% | 1,951 |
| Return on Equity (ROE) | 9.4739% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.4739% | 698 |
| Net charge-offs to loans | 0.2659% | 877 |
| Credit loss provision to net charge-offs | 60.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 7.7601% | 2,845 |
| Efficiency ratio | 70.4358% | 2,830 |
| Assets per employee ($millions) | 3.3651% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5998% | 295 |
| Loan loss allowance to noncurrent loans | 670.9677% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 4,331 |
| Noncurrent loans to loans | 0.3875% | 3,871 |
| Net loans and leases to total assets | 68.6126% | 2,706 |
| Net loans and leases to deposits | 82.5958% | 2,654 |
| Net loans and leases to core deposits | 85.8169% | 2,965 |
| Total domestic deposits to total assets | 83.0703% | 3,560 |
| Equity capital to assets | 15.7477% | 590 |
| Core capital (leverage) ratio | 16.0012% | 472 |
| Tier 1 risk-based capital ratio | 23.6750% | 929 |
| Total risk-based capital ratio | 24.9431% | 912 |
| Memoranda: | ||
| Average total assets | $91,820,500 | 4,551 |
| Average earning assets | $85,594,250 | 4,517 |
| Average equity | $13,806,000 | 4,002 |
| Average total loans | $62,683,500 | 4,235 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 885 |
| Cost of funding earning assets | 0.2807% | 4,338 |
| Net interest margin | 4.5192% | 592 |
| Noninterest income to average assets | 0.4623% | 3,446 |
| Noninterest expense to average assets | 3.3275% | 1,537 |
| Loan and lease loss provision to assets | 0.1628% | 1,391 |
| Net operating income to assets | 1.2003% | 1,596 |
| Return on assets (ROA) | 1.2568% | 1,520 |
| Pretax return on assets | 1.2568% | 2,581 |
| Return on Equity (ROE) | 8.4906% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.4906% | 1,011 |
| Net charge-offs to loans | 0.3888% | 581 |
| Credit loss provision to net charge-offs | 61.9835% | 2,559 |
| Earnings coverage of net charge-offs (x) | 5.1901% | 2,886 |
| Efficiency ratio | 70.9394% | 2,836 |
| Assets per employee ($millions) | 3.1921% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5997% | 321 |
| Loan loss allowance to noncurrent loans | 1,792.4731% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,963 |
| Noncurrent loans to loans | 0.1450% | 4,854 |
| Net loans and leases to total assets | 69.8774% | 2,500 |
| Net loans and leases to deposits | 87.5701% | 2,056 |
| Net loans and leases to core deposits | 91.7121% | 2,370 |
| Total domestic deposits to total assets | 79.7959% | 4,595 |
| Equity capital to assets | 15.6370% | 598 |
| Core capital (leverage) ratio | 15.3095% | 553 |
| Tier 1 risk-based capital ratio | 57.5749% | 99 |
| Total risk-based capital ratio | 58.8959% | 99 |
| Memoranda: | ||
| Average total assets | $92,141,330 | 4,578 |
| Average earning assets | $86,210,000 | 4,537 |
| Average equity | $13,638,670 | 4,049 |
| Average total loans | $62,243,330 | 4,278 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 1,017 |
| Cost of funding earning assets | 0.2738% | 4,459 |
| Net interest margin | 4.4407% | 684 |
| Noninterest income to average assets | 0.4320% | 3,599 |
| Noninterest expense to average assets | 3.2890% | 1,632 |
| Loan and lease loss provision to assets | 0.3208% | 477 |
| Net operating income to assets | 0.9837% | 2,354 |
| Return on assets (ROA) | 1.0436% | 2,221 |
| Pretax return on assets | 1.0436% | 3,306 |
| Return on Equity (ROE) | 7.2457% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.2457% | 1,774 |
| Net charge-offs to loans | 0.9526% | 201 |
| Credit loss provision to net charge-offs | 51.3699% | 2,038 |
| Earnings coverage of net charge-offs (x) | 2.0890% | 2,731 |
| Efficiency ratio | 71.6015% | 2,854 |
| Assets per employee ($millions) | 3.3147% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7073% | 310 |
| Loan loss allowance to noncurrent loans | 1,909.3023% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 5,024 |
| Noncurrent loans to loans | 0.1418% | 4,911 |
| Net loans and leases to total assets | 63.5791% | 3,302 |
| Net loans and leases to deposits | 75.6865% | 3,255 |
| Net loans and leases to core deposits | 79.2195% | 3,393 |
| Total domestic deposits to total assets | 84.0031% | 3,519 |
| Equity capital to assets | 14.7007% | 773 |
| Core capital (leverage) ratio | 14.5885% | 682 |
| Tier 1 risk-based capital ratio | 21.7264% | 1,200 |
| Total risk-based capital ratio | 22.9938% | 1,179 |
| Memoranda: | ||
| Average total assets | $93,523,000 | 4,587 |
| Average earning assets | $87,643,000 | 4,553 |
| Average equity | $13,470,000 | 4,091 |
| Average total loans | $61,304,000 | 4,336 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 921 |
| Cost of funding earning assets | 0.3000% | 4,249 |
| Net interest margin | 4.5044% | 645 |
| Noninterest income to average assets | 0.4669% | 3,548 |
| Noninterest expense to average assets | 3.4021% | 1,482 |
| Loan and lease loss provision to assets | 0.2784% | 657 |
| Net operating income to assets | 0.9830% | 2,455 |
| Return on assets (ROA) | 0.9948% | 2,483 |
| Pretax return on assets | 0.9948% | 3,496 |
| Return on Equity (ROE) | 6.9553% | 3,534 |
| Retained earnings to average equity (ytd only) | 1.8343% | 4,679 |
| Net charge-offs to loans | 0.4615% | 591 |
| Credit loss provision to net charge-offs | 92.1986% | 2,720 |
| Earnings coverage of net charge-offs (x) | 4.1773% | 3,600 |
| Efficiency ratio | 72.9506% | 2,752 |
| Assets per employee ($millions) | 3.2494% | 5,227 |
| Cash dividends to net income (ytd only)* | 73.6276% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7664% | 294 |
| Loan loss allowance to noncurrent loans | 122.1668% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6470% | 1,191 |
| Noncurrent loans to loans | 2.2645% | 858 |
| Net loans and leases to total assets | 63.9292% | 3,299 |
| Net loans and leases to deposits | 75.6670% | 3,296 |
| Net loans and leases to core deposits | 78.8500% | 3,457 |
| Total domestic deposits to total assets | 84.4876% | 3,291 |
| Equity capital to assets | 14.1096% | 895 |
| Core capital (leverage) ratio | 14.1867% | 777 |
| Tier 1 risk-based capital ratio | 21.9908% | 1,149 |
| Total risk-based capital ratio | 23.2590% | 1,125 |
| Memoranda: | ||
| Average total assets | $93,383,800 | 4,597 |
| Average earning assets | $87,003,000 | 4,563 |
| Average equity | $13,356,800 | 4,069 |
| Average total loans | $61,100,200 | 4,348 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 912 |
| Cost of funding earning assets | 0.3078% | 4,248 |
| Net interest margin | 4.5046% | 642 |
| Noninterest income to average assets | 0.4851% | 3,476 |
| Noninterest expense to average assets | 3.2999% | 1,690 |
| Loan and lease loss provision to assets | 0.3434% | 391 |
| Net operating income to assets | 1.0303% | 2,329 |
| Return on assets (ROA) | 1.0404% | 2,368 |
| Pretax return on assets | 1.0404% | 3,459 |
| Return on Equity (ROE) | 7.2488% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.2488% | 1,576 |
| Net charge-offs to loans | 0.5518% | 418 |
| Credit loss provision to net charge-offs | 95.2381% | 2,384 |
| Earnings coverage of net charge-offs (x) | 3.8095% | 3,448 |
| Efficiency ratio | 70.6062% | 3,113 |
| Assets per employee ($millions) | 3.0992% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7393% | 324 |
| Loan loss allowance to noncurrent loans | 112.7618% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 2.0651% | 970 |
| Noncurrent loans to loans | 2.4293% | 848 |
| Net loans and leases to total assets | 65.7994% | 3,049 |
| Net loans and leases to deposits | 78.6519% | 3,027 |
| Net loans and leases to core deposits | 81.7820% | 3,275 |
| Total domestic deposits to total assets | 83.6590% | 3,549 |
| Equity capital to assets | 14.7997% | 783 |
| Core capital (leverage) ratio | 14.7012% | 698 |
| Tier 1 risk-based capital ratio | 21.4370% | 1,274 |
| Total risk-based capital ratio | 22.7049% | 1,250 |
| Memoranda: | ||
| Average total assets | $93,171,250 | 4,649 |
| Average earning assets | $86,635,750 | 4,620 |
| Average equity | $13,372,000 | 4,109 |
| Average total loans | $60,886,000 | 4,402 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 979 |
| Cost of funding earning assets | 0.3139% | 4,235 |
| Net interest margin | 4.4429% | 701 |
| Noninterest income to average assets | 0.4955% | 3,410 |
| Noninterest expense to average assets | 3.2305% | 1,898 |
| Loan and lease loss provision to assets | 0.4076% | 278 |
| Net operating income to assets | 0.9867% | 2,461 |
| Return on assets (ROA) | 0.9932% | 2,536 |
| Pretax return on assets | 0.9932% | 3,613 |
| Return on Equity (ROE) | 6.9925% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.9925% | 1,703 |
| Net charge-offs to loans | 0.2159% | 1,180 |
| Credit loss provision to net charge-offs | 292.3077% | 942 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,398 |
| Efficiency ratio | 69.8516% | 3,352 |
| Assets per employee ($millions) | 3.3501% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9908% | 269 |
| Loan loss allowance to noncurrent loans | 298.0800% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 2,246 |
| Noncurrent loans to loans | 1.0034% | 2,637 |
| Net loans and leases to total assets | 64.4201% | 3,204 |
| Net loans and leases to deposits | 77.3142% | 3,115 |
| Net loans and leases to core deposits | 80.5793% | 3,325 |
| Total domestic deposits to total assets | 83.3225% | 3,822 |
| Equity capital to assets | 14.2309% | 901 |
| Core capital (leverage) ratio | 14.4088% | 731 |
| Tier 1 risk-based capital ratio | 18.4990% | 1,922 |
| Total risk-based capital ratio | 19.7651% | 1,881 |
| Memoranda: | ||
| Average total assets | $93,236,670 | 4,699 |
| Average earning assets | $86,655,330 | 4,664 |
| Average equity | $13,242,670 | 4,160 |
| Average total loans | $60,214,670 | 4,456 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 954 |
| Cost of funding earning assets | 0.3197% | 4,230 |
| Net interest margin | 4.4255% | 694 |
| Noninterest income to average assets | 0.5809% | 2,765 |
| Noninterest expense to average assets | 3.2360% | 1,887 |
| Loan and lease loss provision to assets | 0.5809% | 162 |
| Net operating income to assets | 0.8736% | 2,878 |
| Return on assets (ROA) | 0.8822% | 2,961 |
| Pretax return on assets | 0.8822% | 3,955 |
| Return on Equity (ROE) | 6.2171% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.2171% | 2,370 |
| Net charge-offs to loans | -0.0068% | 4,582 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9908% | 3,664 |
| Assets per employee ($millions) | 3.4495% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1252% | 267 |
| Loan loss allowance to noncurrent loans | 244.5170% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 2,093 |
| Noncurrent loans to loans | 1.2781% | 2,242 |
| Net loans and leases to total assets | 62.3372% | 3,314 |
| Net loans and leases to deposits | 74.6538% | 3,207 |
| Net loans and leases to core deposits | 77.5588% | 3,423 |
| Total domestic deposits to total assets | 83.5017% | 4,005 |
| Equity capital to assets | 14.3122% | 884 |
| Core capital (leverage) ratio | 13.5250% | 963 |
| Tier 1 risk-based capital ratio | 17.7515% | 2,217 |
| Total risk-based capital ratio | 19.0181% | 2,177 |
| Memoranda: | ||
| Average total assets | $92,953,500 | 4,750 |
| Average earning assets | $86,318,000 | 4,710 |
| Average equity | $13,189,500 | 4,207 |
| Average total loans | $59,176,500 | 4,515 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 741 |
| Cost of funding earning assets | 0.4111% | 3,575 |
| Net interest margin | 4.6089% | 610 |
| Noninterest income to average assets | 0.6408% | 2,613 |
| Noninterest expense to average assets | 3.2647% | 2,026 |
| Loan and lease loss provision to assets | 0.3945% | 452 |
| Net operating income to assets | 1.2485% | 1,439 |
| Return on assets (ROA) | 1.2560% | 1,475 |
| Pretax return on assets | 1.2560% | 2,413 |
| Return on Equity (ROE) | 9.2883% | 2,447 |
| Retained earnings to average equity (ytd only) | 2.6020% | 4,390 |
| Net charge-offs to loans | 0.3413% | 1,283 |
| Credit loss provision to net charge-offs | 188.7755% | 1,303 |
| Earnings coverage of net charge-offs (x) | 7.8622% | 2,962 |
| Efficiency ratio | 66.5218% | 4,147 |
| Assets per employee ($millions) | 3.4359% | 5,000 |
| Cash dividends to net income (ytd only)* | 71.9864% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9732% | 310 |
| Loan loss allowance to noncurrent loans | 665.5172% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 3,288 |
| Noncurrent loans to loans | 0.4468% | 4,304 |
| Net loans and leases to total assets | 61.1016% | 3,623 |
| Net loans and leases to deposits | 73.3090% | 3,514 |
| Net loans and leases to core deposits | 75.1677% | 3,806 |
| Total domestic deposits to total assets | 83.3481% | 3,962 |
| Equity capital to assets | 14.0660% | 932 |
| Core capital (leverage) ratio | 13.9342% | 834 |
| Tier 1 risk-based capital ratio | 20.5634% | 1,497 |
| Total risk-based capital ratio | 20.9530% | 1,627 |
| Memoranda: | ||
| Average total assets | $93,791,400 | 4,762 |
| Average earning assets | $86,831,400 | 4,726 |
| Average equity | $12,682,600 | 4,246 |
| Average total loans | $57,422,600 | 4,571 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0577% | 698 |
| Cost of funding earning assets | 0.4307% | 3,460 |
| Net interest margin | 4.6270% | 583 |
| Noninterest income to average assets | 0.4820% | 3,669 |
| Noninterest expense to average assets | 3.1487% | 2,326 |
| Loan and lease loss provision to assets | 0.4253% | 382 |
| Net operating income to assets | 1.1880% | 1,718 |
| Return on assets (ROA) | 1.1880% | 1,794 |
| Pretax return on assets | 1.1880% | 2,831 |
| Return on Equity (ROE) | 8.8739% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.8739% | 1,041 |
| Net charge-offs to loans | 0.0303% | 3,881 |
| Credit loss provision to net charge-offs | 2,307.6923% | 160 |
| Earnings coverage of net charge-offs (x) | 87.5534% | 650 |
| Efficiency ratio | 66.1209% | 4,198 |
| Assets per employee ($millions) | 3.4556% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1928% | 294 |
| Loan loss allowance to noncurrent loans | 235.3690% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 1.2326% | 2,494 |
| Noncurrent loans to loans | 1.3565% | 2,377 |
| Net loans and leases to total assets | 60.1200% | 3,769 |
| Net loans and leases to deposits | 72.6966% | 3,599 |
| Net loans and leases to core deposits | 74.5627% | 3,891 |
| Total domestic deposits to total assets | 82.6999% | 4,234 |
| Equity capital to assets | 14.3333% | 899 |
| Core capital (leverage) ratio | 14.3614% | 755 |
| Tier 1 risk-based capital ratio | 21.4083% | 1,373 |
| Total risk-based capital ratio | 22.6790% | 1,337 |
| Memoranda: | ||
| Average total assets | $94,046,750 | 4,796 |
| Average earning assets | $86,994,500 | 4,770 |
| Average equity | $12,591,000 | 4,290 |
| Average total loans | $57,173,000 | 4,621 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 687 |
| Cost of funding earning assets | 0.4687% | 3,120 |
| Net interest margin | 4.5790% | 605 |
| Noninterest income to average assets | 0.5154% | 3,368 |
| Noninterest expense to average assets | 3.2091% | 2,164 |
| Loan and lease loss provision to assets | 0.4772% | 316 |
| Net operating income to assets | 1.0563% | 2,098 |
| Return on assets (ROA) | 1.0563% | 2,175 |
| Pretax return on assets | 1.0563% | 3,252 |
| Return on Equity (ROE) | 8.0776% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.0776% | 1,299 |
| Net charge-offs to loans | 0.0316% | 3,564 |
| Credit loss provision to net charge-offs | 2,500.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 80.3333% | 660 |
| Efficiency ratio | 67.6655% | 4,070 |
| Assets per employee ($millions) | 3.4950% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0414% | 366 |
| Loan loss allowance to noncurrent loans | 231.6406% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3278% | 2,460 |
| Noncurrent loans to loans | 1.3130% | 2,615 |
| Net loans and leases to total assets | 60.0990% | 3,698 |
| Net loans and leases to deposits | 74.8232% | 3,217 |
| Net loans and leases to core deposits | 76.2579% | 3,605 |
| Total domestic deposits to total assets | 80.3213% | 5,171 |
| Equity capital to assets | 13.6500% | 1,105 |
| Core capital (leverage) ratio | 13.9259% | 859 |
| Tier 1 risk-based capital ratio | 20.1729% | 1,645 |
| Total risk-based capital ratio | 21.4409% | 1,611 |
| Memoranda: | ||
| Average total assets | $94,295,670 | 4,817 |
| Average earning assets | $87,049,670 | 4,796 |
| Average equity | $12,330,330 | 4,336 |
| Average total loans | $56,916,670 | 4,659 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 644 |
| Cost of funding earning assets | 0.5067% | 2,834 |
| Net interest margin | 4.5512% | 603 |
| Noninterest income to average assets | 0.3947% | 4,230 |
| Noninterest expense to average assets | 3.1148% | 2,480 |
| Loan and lease loss provision to assets | 0.6365% | 201 |
| Net operating income to assets | 0.8360% | 2,975 |
| Return on assets (ROA) | 0.8360% | 3,045 |
| Pretax return on assets | 0.8360% | 3,954 |
| Return on Equity (ROE) | 6.5367% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.5367% | 2,259 |
| Net charge-offs to loans | -0.1283% | 6,220 |
| Credit loss provision to net charge-offs | -833.3333% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9001% | 4,201 |
| Assets per employee ($millions) | 3.3291% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1068% | 389 |
| Loan loss allowance to noncurrent loans | 282.8431% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 1.4547% | 2,438 |
| Noncurrent loans to loans | 1.0984% | 3,224 |
| Net loans and leases to total assets | 57.9151% | 3,851 |
| Net loans and leases to deposits | 71.5953% | 3,394 |
| Net loans and leases to core deposits | 72.9724% | 3,763 |
| Total domestic deposits to total assets | 80.8924% | 5,261 |
| Equity capital to assets | 13.1729% | 1,223 |
| Core capital (leverage) ratio | 13.8161% | 884 |
| Tier 1 risk-based capital ratio | 20.2083% | 1,670 |
| Total risk-based capital ratio | 21.4643% | 1,634 |
| Memoranda: | ||
| Average total assets | $94,260,500 | 4,869 |
| Average earning assets | $86,834,500 | 4,847 |
| Average equity | $12,055,000 | 4,409 |
| Average total loans | $56,129,000 | 4,722 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0376% | 854 |
| Cost of funding earning assets | 0.5992% | 2,666 |
| Net interest margin | 4.4384% | 843 |
| Noninterest income to average assets | 0.5458% | 3,432 |
| Noninterest expense to average assets | 2.9969% | 3,066 |
| Loan and lease loss provision to assets | 0.5357% | 502 |
| Net operating income to assets | 1.1088% | 1,906 |
| Return on assets (ROA) | 1.1169% | 1,944 |
| Pretax return on assets | 1.1169% | 2,896 |
| Return on Equity (ROE) | 8.9328% | 2,571 |
| Retained earnings to average equity (ytd only) | 2.8698% | 4,209 |
| Net charge-offs to loans | 1.0454% | 543 |
| Credit loss provision to net charge-offs | 86.0390% | 2,873 |
| Earnings coverage of net charge-offs (x) | 2.6412% | 4,115 |
| Efficiency ratio | 64.5688% | 4,804 |
| Assets per employee ($millions) | 3.1769% | 5,539 |
| Cash dividends to net income (ytd only)* | 67.8733% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7643% | 629 |
| Loan loss allowance to noncurrent loans | 242.3256% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 1.5812% | 2,355 |
| Noncurrent loans to loans | 1.1407% | 3,261 |
| Net loans and leases to total assets | 57.6862% | 4,085 |
| Net loans and leases to deposits | 69.2902% | 3,873 |
| Net loans and leases to core deposits | 71.0158% | 4,185 |
| Total domestic deposits to total assets | 83.2531% | 4,453 |
| Equity capital to assets | 12.4136% | 1,558 |
| Core capital (leverage) ratio | 13.1880% | 1,058 |
| Tier 1 risk-based capital ratio | 19.5884% | 1,756 |
| Total risk-based capital ratio | 20.8495% | 1,722 |
| Memoranda: | ||
| Average total assets | $98,935,800 | 4,763 |
| Average earning assets | $91,293,800 | 4,736 |
| Average equity | $12,370,200 | 4,382 |
| Average total loans | $58,925,600 | 4,649 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 826 |
| Cost of funding earning assets | 0.6118% | 2,720 |
| Net interest margin | 4.4529% | 800 |
| Noninterest income to average assets | 0.5502% | 3,454 |
| Noninterest expense to average assets | 2.9539% | 3,133 |
| Loan and lease loss provision to assets | 0.5943% | 410 |
| Net operating income to assets | 1.1137% | 1,958 |
| Return on assets (ROA) | 1.1151% | 2,021 |
| Pretax return on assets | 1.1151% | 3,046 |
| Return on Equity (ROE) | 8.9029% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.9029% | 1,085 |
| Net charge-offs to loans | 0.2733% | 2,184 |
| Credit loss provision to net charge-offs | 364.7541% | 724 |
| Earnings coverage of net charge-offs (x) | 10.4838% | 2,352 |
| Efficiency ratio | 63.3629% | 4,909 |
| Assets per employee ($millions) | 3.4701% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3913% | 375 |
| Loan loss allowance to noncurrent loans | 114.7093% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 2.0677% | 1,944 |
| Noncurrent loans to loans | 2.9564% | 1,375 |
| Net loans and leases to total assets | 57.8477% | 4,032 |
| Net loans and leases to deposits | 70.0832% | 3,776 |
| Net loans and leases to core deposits | 72.0571% | 4,082 |
| Total domestic deposits to total assets | 82.5415% | 4,740 |
| Equity capital to assets | 12.6922% | 1,482 |
| Core capital (leverage) ratio | 13.4935% | 1,027 |
| Tier 1 risk-based capital ratio | 20.4092% | 1,622 |
| Total risk-based capital ratio | 21.6815% | 1,590 |
| Memoranda: | ||
| Average total assets | $99,843,000 | 4,785 |
| Average earning assets | $92,191,750 | 4,763 |
| Average equity | $12,505,000 | 4,396 |
| Average total loans | $59,521,500 | 4,664 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 838 |
| Cost of funding earning assets | 0.6285% | 2,697 |
| Net interest margin | 4.4254% | 813 |
| Noninterest income to average assets | 0.4328% | 4,293 |
| Noninterest expense to average assets | 2.9026% | 3,324 |
| Loan and lease loss provision to assets | 0.5956% | 429 |
| Net operating income to assets | 1.0165% | 2,259 |
| Return on assets (ROA) | 1.0185% | 2,373 |
| Pretax return on assets | 1.0185% | 3,421 |
| Return on Equity (ROE) | 8.1671% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.1671% | 1,415 |
| Net charge-offs to loans | 0.1167% | 3,197 |
| Credit loss provision to net charge-offs | 857.1429% | 353 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,338 |
| Efficiency ratio | 64.2920% | 4,831 |
| Assets per employee ($millions) | 3.2780% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2353% | 471 |
| Loan loss allowance to noncurrent loans | 136.0085% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.9880% | 2,160 |
| Noncurrent loans to loans | 2.3788% | 1,984 |
| Net loans and leases to total assets | 58.2418% | 3,944 |
| Net loans and leases to deposits | 72.0214% | 3,443 |
| Net loans and leases to core deposits | 74.0638% | 3,805 |
| Total domestic deposits to total assets | 80.8674% | 5,382 |
| Equity capital to assets | 12.7191% | 1,462 |
| Core capital (leverage) ratio | 12.8549% | 1,224 |
| Tier 1 risk-based capital ratio | 19.4024% | 1,882 |
| Total risk-based capital ratio | 20.6679% | 1,854 |
| Memoranda: | ||
| Average total assets | $100,736,670 | 4,792 |
| Average earning assets | $92,918,330 | 4,781 |
| Average equity | $12,562,670 | 4,414 |
| Average total loans | $59,969,000 | 4,674 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 1,137 |
| Cost of funding earning assets | 0.6355% | 2,786 |
| Net interest margin | 4.2436% | 1,088 |
| Noninterest income to average assets | 0.3022% | 5,283 |
| Noninterest expense to average assets | 2.9431% | 3,184 |
| Loan and lease loss provision to assets | 0.5886% | 435 |
| Net operating income to assets | 0.6749% | 3,817 |
| Return on assets (ROA) | 0.6789% | 3,942 |
| Pretax return on assets | 0.6789% | 4,663 |
| Return on Equity (ROE) | 5.4964% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.4964% | 2,958 |
| Net charge-offs to loans | 0.0066% | 4,026 |
| Credit loss provision to net charge-offs | 15,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 118 |
| Efficiency ratio | 69.9627% | 3,984 |
| Assets per employee ($millions) | 3.3770% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0357% | 638 |
| Loan loss allowance to noncurrent loans | 115.3205% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 2.3245% | 1,997 |
| Noncurrent loans to loans | 2.6324% | 1,955 |
| Net loans and leases to total assets | 56.7190% | 3,974 |
| Net loans and leases to deposits | 69.1305% | 3,623 |
| Net loans and leases to core deposits | 70.7826% | 3,973 |
| Total domestic deposits to total assets | 82.0462% | 5,177 |
| Equity capital to assets | 12.4835% | 1,724 |
| Core capital (leverage) ratio | 12.4423% | 1,360 |
| Tier 1 risk-based capital ratio | 19.1434% | 2,001 |
| Total risk-based capital ratio | 20.3999% | 1,973 |
| Memoranda: | ||
| Average total assets | $101,935,000 | 4,811 |
| Average earning assets | $93,788,000 | 4,802 |
| Average equity | $12,590,000 | 4,456 |
| Average total loans | $60,358,500 | 4,692 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1474% | 1,216 |
| Cost of funding earning assets | 0.7964% | 2,696 |
| Net interest margin | 4.3510% | 1,284 |
| Noninterest income to average assets | 0.4852% | 4,001 |
| Noninterest expense to average assets | 2.9576% | 3,441 |
| Loan and lease loss provision to assets | 0.4543% | 1,385 |
| Net operating income to assets | 1.1077% | 1,916 |
| Return on assets (ROA) | 1.1077% | 2,093 |
| Pretax return on assets | 1.1077% | 3,127 |
| Return on Equity (ROE) | 9.1273% | 2,578 |
| Retained earnings to average equity (ytd only) | 3.1539% | 4,011 |
| Net charge-offs to loans | 0.9304% | 1,202 |
| Credit loss provision to net charge-offs | 81.5972% | 3,778 |
| Earnings coverage of net charge-offs (x) | 2.8056% | 4,027 |
| Efficiency ratio | 65.4405% | 4,614 |
| Assets per employee ($millions) | 3.4187% | 5,176 |
| Cash dividends to net income (ytd only)* | 65.4450% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6848% | 937 |
| Loan loss allowance to noncurrent loans | 228.2158% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 1.5835% | 3,012 |
| Noncurrent loans to loans | 1.1765% | 3,886 |
| Net loans and leases to total assets | 58.3132% | 3,921 |
| Net loans and leases to deposits | 71.9739% | 3,416 |
| Net loans and leases to core deposits | 73.6029% | 3,831 |
| Total domestic deposits to total assets | 81.0199% | 5,397 |
| Equity capital to assets | 12.2202% | 1,908 |
| Core capital (leverage) ratio | 11.9321% | 1,603 |
| Tier 1 risk-based capital ratio | 17.5067% | 2,453 |
| Total risk-based capital ratio | 18.7512% | 2,428 |
| Memoranda: | ||
| Average total assets | $103,461,600 | 4,748 |
| Average earning assets | $95,932,000 | 4,694 |
| Average equity | $12,555,800 | 4,450 |
| Average total loans | $61,907,400 | 4,639 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 1,266 |
| Cost of funding earning assets | 0.8322% | 2,690 |
| Net interest margin | 4.3330% | 1,390 |
| Noninterest income to average assets | 0.4668% | 4,168 |
| Noninterest expense to average assets | 2.9473% | 3,419 |
| Loan and lease loss provision to assets | 0.5079% | 1,202 |
| Net operating income to assets | 1.0351% | 2,342 |
| Return on assets (ROA) | 1.0351% | 2,562 |
| Pretax return on assets | 1.0351% | 3,583 |
| Return on Equity (ROE) | 8.5444% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.5444% | 1,397 |
| Net charge-offs to loans | 0.5417% | 1,977 |
| Credit loss provision to net charge-offs | 156.7460% | 1,792 |
| Earnings coverage of net charge-offs (x) | 4.7619% | 3,210 |
| Efficiency ratio | 65.6357% | 4,517 |
| Assets per employee ($millions) | 3.5474% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1582% | 624 |
| Loan loss allowance to noncurrent loans | 141.9716% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.7808% | 2,941 |
| Noncurrent loans to loans | 2.2245% | 2,586 |
| Net loans and leases to total assets | 56.6620% | 4,354 |
| Net loans and leases to deposits | 70.1473% | 3,875 |
| Net loans and leases to core deposits | 71.7322% | 4,288 |
| Total domestic deposits to total assets | 80.7757% | 5,428 |
| Equity capital to assets | 12.6348% | 1,806 |
| Core capital (leverage) ratio | 12.3254% | 1,486 |
| Tier 1 risk-based capital ratio | 19.0114% | 2,010 |
| Total risk-based capital ratio | 20.2810% | 1,974 |
| Memoranda: | ||
| Average total assets | $103,687,000 | 4,782 |
| Average earning assets | $96,282,750 | 4,732 |
| Average equity | $12,561,500 | 4,488 |
| Average total loans | $62,020,250 | 4,681 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 1,315 |
| Cost of funding earning assets | 0.8728% | 2,638 |
| Net interest margin | 4.3061% | 1,463 |
| Noninterest income to average assets | 0.4463% | 4,321 |
| Noninterest expense to average assets | 2.9589% | 3,414 |
| Loan and lease loss provision to assets | 0.5868% | 1,022 |
| Net operating income to assets | 0.8965% | 2,928 |
| Return on assets (ROA) | 0.8965% | 3,190 |
| Pretax return on assets | 0.8965% | 4,089 |
| Return on Equity (ROE) | 7.5064% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.5064% | 1,866 |
| Net charge-offs to loans | 0.2203% | 3,249 |
| Credit loss provision to net charge-offs | 442.0290% | 672 |
| Earnings coverage of net charge-offs (x) | 11.1739% | 1,985 |
| Efficiency ratio | 66.6089% | 4,406 |
| Assets per employee ($millions) | 3.4745% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1930% | 643 |
| Loan loss allowance to noncurrent loans | 104.0731% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 2.3783% | 2,348 |
| Noncurrent loans to loans | 3.0680% | 1,915 |
| Net loans and leases to total assets | 57.9705% | 4,163 |
| Net loans and leases to deposits | 71.8772% | 3,633 |
| Net loans and leases to core deposits | 73.4793% | 4,099 |
| Total domestic deposits to total assets | 80.6522% | 5,574 |
| Equity capital to assets | 12.2100% | 1,999 |
| Core capital (leverage) ratio | 11.9481% | 1,626 |
| Tier 1 risk-based capital ratio | 17.3804% | 2,516 |
| Total risk-based capital ratio | 18.6104% | 2,490 |
| Memoranda: | ||
| Average total assets | $103,957,670 | 4,803 |
| Average earning assets | $96,468,000 | 4,750 |
| Average equity | $12,416,000 | 4,521 |
| Average total loans | $62,629,670 | 4,686 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1974% | 1,326 |
| Cost of funding earning assets | 0.9030% | 2,659 |
| Net interest margin | 4.2944% | 1,482 |
| Noninterest income to average assets | 0.4662% | 4,178 |
| Noninterest expense to average assets | 3.0091% | 3,211 |
| Loan and lease loss provision to assets | 0.8669% | 522 |
| Net operating income to assets | 0.5664% | 4,511 |
| Return on assets (ROA) | 0.5664% | 4,737 |
| Pretax return on assets | 0.5664% | 5,221 |
| Return on Equity (ROE) | 4.7959% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.7959% | 3,679 |
| Net charge-offs to loans | 0.2678% | 2,598 |
| Credit loss provision to net charge-offs | 535.7143% | 626 |
| Earnings coverage of net charge-offs (x) | 8.8571% | 1,910 |
| Efficiency ratio | 67.7363% | 4,220 |
| Assets per employee ($millions) | 3.5585% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1380% | 723 |
| Loan loss allowance to noncurrent loans | 85.6890% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 2.7859% | 2,104 |
| Noncurrent loans to loans | 3.6621% | 1,693 |
| Net loans and leases to total assets | 58.0269% | 4,031 |
| Net loans and leases to deposits | 72.2506% | 3,396 |
| Net loans and leases to core deposits | 73.8819% | 3,913 |
| Total domestic deposits to total assets | 80.3134% | 5,776 |
| Equity capital to assets | 11.8908% | 2,117 |
| Core capital (leverage) ratio | 11.6922% | 1,774 |
| Tier 1 risk-based capital ratio | 17.6220% | 2,436 |
| Total risk-based capital ratio | 18.8903% | 2,400 |
| Memoranda: | ||
| Average total assets | $103,819,500 | 4,838 |
| Average earning assets | $96,124,500 | 4,790 |
| Average equity | $12,260,500 | 4,565 |
| Average total loans | $62,735,500 | 4,706 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4633% | 1,256 |
| Cost of funding earning assets | 1.0570% | 2,970 |
| Net interest margin | 4.4063% | 1,383 |
| Noninterest income to average assets | 0.5821% | 3,281 |
| Noninterest expense to average assets | 2.9420% | 3,804 |
| Loan and lease loss provision to assets | 0.7680% | 1,296 |
| Net operating income to assets | 0.9588% | 2,367 |
| Return on assets (ROA) | 0.9588% | 2,499 |
| Pretax return on assets | 0.9588% | 3,395 |
| Return on Equity (ROE) | 8.0944% | 2,859 |
| Retained earnings to average equity (ytd only) | 2.5192% | 4,435 |
| Net charge-offs to loans | 1.0535% | 1,645 |
| Credit loss provision to net charge-offs | 117.1642% | 2,750 |
| Earnings coverage of net charge-offs (x) | 2.6343% | 3,899 |
| Efficiency ratio | 63.0134% | 5,298 |
| Assets per employee ($millions) | 3.4814% | 5,060 |
| Cash dividends to net income (ytd only)* | 68.8776% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7605% | 1,024 |
| Loan loss allowance to noncurrent loans | 104.4590% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 2.3506% | 2,576 |
| Noncurrent loans to loans | 2.6426% | 2,461 |
| Net loans and leases to total assets | 59.2597% | 4,139 |
| Net loans and leases to deposits | 74.1444% | 3,477 |
| Net loans and leases to core deposits | 76.4372% | 3,915 |
| Total domestic deposits to total assets | 79.9247% | 5,762 |
| Equity capital to assets | 11.7290% | 2,319 |
| Core capital (leverage) ratio | 11.5203% | 1,877 |
| Tier 1 risk-based capital ratio | 16.5241% | 2,811 |
| Total risk-based capital ratio | 17.7875% | 2,771 |
| Memoranda: | ||
| Average total assets | $102,210,400 | 4,841 |
| Average earning assets | $94,795,400 | 4,786 |
| Average equity | $12,107,200 | 4,527 |
| Average total loans | $63,596,400 | 4,723 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 1,243 |
| Cost of funding earning assets | 1.0830% | 3,091 |
| Net interest margin | 4.4197% | 1,348 |
| Noninterest income to average assets | 0.6020% | 3,150 |
| Noninterest expense to average assets | 2.9171% | 3,855 |
| Loan and lease loss provision to assets | 0.7870% | 1,191 |
| Net operating income to assets | 0.9981% | 2,331 |
| Return on assets (ROA) | 0.9981% | 2,481 |
| Pretax return on assets | 0.9981% | 3,412 |
| Return on Equity (ROE) | 8.4053% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.4053% | 1,353 |
| Net charge-offs to loans | 0.7926% | 1,977 |
| Credit loss provision to net charge-offs | 158.7302% | 1,949 |
| Earnings coverage of net charge-offs (x) | 3.6005% | 3,376 |
| Efficiency ratio | 62.0363% | 5,403 |
| Assets per employee ($millions) | 3.5221% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8414% | 991 |
| Loan loss allowance to noncurrent loans | 108.0580% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 2.4927% | 2,591 |
| Noncurrent loans to loans | 2.6295% | 2,641 |
| Net loans and leases to total assets | 62.4016% | 3,633 |
| Net loans and leases to deposits | 79.6026% | 2,704 |
| Net loans and leases to core deposits | 82.4317% | 3,262 |
| Total domestic deposits to total assets | 78.3914% | 6,115 |
| Equity capital to assets | 12.4682% | 1,932 |
| Core capital (leverage) ratio | 12.0621% | 1,672 |
| Tier 1 risk-based capital ratio | 17.5628% | 2,415 |
| Total risk-based capital ratio | 18.8295% | 2,385 |
| Memoranda: | ||
| Average total assets | $101,652,500 | 4,881 |
| Average earning assets | $94,302,000 | 4,840 |
| Average equity | $12,071,500 | 4,550 |
| Average total loans | $63,583,250 | 4,773 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4391% | 1,449 |
| Cost of funding earning assets | 1.0959% | 3,275 |
| Net interest margin | 4.3433% | 1,529 |
| Noninterest income to average assets | 0.5537% | 3,451 |
| Noninterest expense to average assets | 2.9047% | 4,004 |
| Loan and lease loss provision to assets | 0.8868% | 1,008 |
| Net operating income to assets | 0.8001% | 3,075 |
| Return on assets (ROA) | 0.8001% | 3,199 |
| Pretax return on assets | 0.8001% | 4,028 |
| Return on Equity (ROE) | 6.8521% | 3,511 |
| Retained earnings to average equity (ytd only) | 6.8521% | 1,946 |
| Net charge-offs to loans | 0.0254% | 5,466 |
| Credit loss provision to net charge-offs | 5,625.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 339 |
| Efficiency ratio | 63.2618% | 5,368 |
| Assets per employee ($millions) | 3.2274% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1525% | 795 |
| Loan loss allowance to noncurrent loans | 71.1749% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.9503% | 2,270 |
| Noncurrent loans to loans | 4.4292% | 1,508 |
| Net loans and leases to total assets | 61.9915% | 3,888 |
| Net loans and leases to deposits | 80.0057% | 2,797 |
| Net loans and leases to core deposits | 82.8391% | 3,385 |
| Total domestic deposits to total assets | 77.4839% | 6,376 |
| Equity capital to assets | 11.8865% | 2,179 |
| Core capital (leverage) ratio | 11.9090% | 1,663 |
| Tier 1 risk-based capital ratio | 16.9069% | 2,562 |
| Total risk-based capital ratio | 18.1775% | 2,523 |
| Memoranda: | ||
| Average total assets | $101,490,000 | 4,916 |
| Average earning assets | $94,353,000 | 4,872 |
| Average equity | $11,850,330 | 4,593 |
| Average total loans | $62,910,670 | 4,835 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 1,506 |
| Cost of funding earning assets | 1.1125% | 3,440 |
| Net interest margin | 4.3046% | 1,549 |
| Noninterest income to average assets | 0.6044% | 3,132 |
| Noninterest expense to average assets | 2.9385% | 3,903 |
| Loan and lease loss provision to assets | 0.8947% | 899 |
| Net operating income to assets | 0.7714% | 3,161 |
| Return on assets (ROA) | 0.7714% | 3,234 |
| Pretax return on assets | 0.7714% | 4,012 |
| Return on Equity (ROE) | 6.6681% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.6681% | 2,297 |
| Net charge-offs to loans | 0.0196% | 4,802 |
| Credit loss provision to net charge-offs | 7,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 139.6667% | 224 |
| Efficiency ratio | 63.8169% | 5,391 |
| Assets per employee ($millions) | 3.3546% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0139% | 907 |
| Loan loss allowance to noncurrent loans | 82.5875% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 2.3679% | 2,879 |
| Noncurrent loans to loans | 3.6493% | 2,033 |
| Net loans and leases to total assets | 59.6033% | 4,342 |
| Net loans and leases to deposits | 75.5244% | 3,490 |
| Net loans and leases to core deposits | 78.9312% | 3,904 |
| Total domestic deposits to total assets | 78.9193% | 6,212 |
| Equity capital to assets | 11.6786% | 2,135 |
| Core capital (leverage) ratio | 11.7819% | 1,688 |
| Tier 1 risk-based capital ratio | 17.4634% | 2,310 |
| Total risk-based capital ratio | 18.7152% | 2,276 |
| Memoranda: | ||
| Average total assets | $100,596,500 | 4,992 |
| Average earning assets | $93,481,000 | 4,927 |
| Average equity | $11,637,500 | 4,636 |
| Average total loans | $61,312,500 | 4,943 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7721% | 1,351 |
| Cost of funding earning assets | 1.2571% | 4,166 |
| Net interest margin | 4.5150% | 1,200 |
| Noninterest income to average assets | 0.6768% | 2,985 |
| Noninterest expense to average assets | 3.0328% | 3,722 |
| Loan and lease loss provision to assets | 0.9328% | 1,746 |
| Net operating income to assets | 0.8769% | 2,476 |
| Return on assets (ROA) | 0.8789% | 2,608 |
| Pretax return on assets | 0.8789% | 3,382 |
| Return on Equity (ROE) | 7.1073% | 3,062 |
| Retained earnings to average equity (ytd only) | 1.8271% | 4,585 |
| Net charge-offs to loans | 0.8518% | 2,507 |
| Credit loss provision to net charge-offs | 170.7780% | 1,980 |
| Earnings coverage of net charge-offs (x) | 3.3131% | 3,421 |
| Efficiency ratio | 62.6284% | 5,600 |
| Assets per employee ($millions) | 3.2437% | 5,555 |
| Cash dividends to net income (ytd only)* | 74.2925% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7016% | 1,163 |
| Loan loss allowance to noncurrent loans | 81.3677% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 2.2296% | 3,056 |
| Noncurrent loans to loans | 3.3203% | 2,285 |
| Net loans and leases to total assets | 58.8090% | 4,894 |
| Net loans and leases to deposits | 74.8851% | 4,046 |
| Net loans and leases to core deposits | 78.5537% | 4,390 |
| Total domestic deposits to total assets | 78.5324% | 6,208 |
| Equity capital to assets | 11.4583% | 2,297 |
| Core capital (leverage) ratio | 12.2306% | 1,416 |
| Tier 1 risk-based capital ratio | 17.5265% | 2,164 |
| Total risk-based capital ratio | 18.4669% | 2,227 |
| Memoranda: | ||
| Average total assets | $96,479,800 | 5,094 |
| Average earning assets | $89,014,600 | 5,048 |
| Average equity | $11,931,400 | 4,630 |
| Average total loans | $61,869,800 | 4,992 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8222% | 1,334 |
| Cost of funding earning assets | 1.2627% | 4,481 |
| Net interest margin | 4.5595% | 1,134 |
| Noninterest income to average assets | 0.6872% | 2,896 |
| Noninterest expense to average assets | 3.0783% | 3,430 |
| Loan and lease loss provision to assets | 0.9428% | 1,593 |
| Net operating income to assets | 0.8674% | 2,755 |
| Return on assets (ROA) | 0.8701% | 2,867 |
| Pretax return on assets | 0.8701% | 3,664 |
| Return on Equity (ROE) | 6.9027% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.9027% | 1,901 |
| Net charge-offs to loans | 0.0043% | 6,615 |
| Credit loss provision to net charge-offs | 33,750.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 647.1760% | 43 |
| Efficiency ratio | 62.9714% | 5,436 |
| Assets per employee ($millions) | 3.4108% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1706% | 718 |
| Loan loss allowance to noncurrent loans | 112.0600% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.8441% | 3,686 |
| Noncurrent loans to loans | 2.8293% | 2,822 |
| Net loans and leases to total assets | 57.9614% | 5,274 |
| Net loans and leases to deposits | 74.9627% | 4,344 |
| Net loans and leases to core deposits | 77.6336% | 4,847 |
| Total domestic deposits to total assets | 77.3203% | 6,415 |
| Equity capital to assets | 12.2717% | 1,996 |
| Core capital (leverage) ratio | 12.0842% | 1,624 |
| Tier 1 risk-based capital ratio | 17.2849% | 2,246 |
| Total risk-based capital ratio | 18.4909% | 2,223 |
| Memoranda: | ||
| Average total assets | $95,460,750 | 5,177 |
| Average earning assets | $87,960,000 | 5,143 |
| Average equity | $12,033,750 | 4,671 |
| Average total loans | $62,142,750 | 5,060 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0243% | 892 |
| Cost of funding earning assets | 1.3110% | 4,473 |
| Net interest margin | 4.7134% | 799 |
| Noninterest income to average assets | 0.7534% | 2,375 |
| Noninterest expense to average assets | 3.2263% | 2,811 |
| Loan and lease loss provision to assets | 0.9659% | 1,509 |
| Net operating income to assets | 0.8908% | 2,582 |
| Return on assets (ROA) | 0.8951% | 2,689 |
| Pretax return on assets | 0.8951% | 3,512 |
| Return on Equity (ROE) | 7.0324% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.0324% | 1,815 |
| Net charge-offs to loans | -0.0673% | 7,496 |
| Credit loss provision to net charge-offs | -2,142.8571% | 6,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4713% | 5,439 |
| Assets per employee ($millions) | 2.9657% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8217% | 978 |
| Loan loss allowance to noncurrent loans | 135.3033% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 4,333 |
| Noncurrent loans to loans | 2.0855% | 3,607 |
| Net loans and leases to total assets | 63.1430% | 4,433 |
| Net loans and leases to deposits | 77.5796% | 4,069 |
| Net loans and leases to core deposits | 80.7253% | 4,588 |
| Total domestic deposits to total assets | 81.3913% | 5,251 |
| Equity capital to assets | 12.8269% | 1,643 |
| Core capital (leverage) ratio | 12.6999% | 1,326 |
| Tier 1 risk-based capital ratio | 17.1241% | 2,227 |
| Total risk-based capital ratio | 18.3902% | 2,182 |
| Memoranda: | ||
| Average total assets | $93,172,670 | 5,276 |
| Average earning assets | $85,586,330 | 5,252 |
| Average equity | $11,859,330 | 4,717 |
| Average total loans | $62,440,000 | 5,087 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0398% | 904 |
| Cost of funding earning assets | 1.3469% | 4,522 |
| Net interest margin | 4.6929% | 791 |
| Noninterest income to average assets | 0.6933% | 2,645 |
| Noninterest expense to average assets | 3.3107% | 2,499 |
| Loan and lease loss provision to assets | 0.9750% | 1,282 |
| Net operating income to assets | 0.7107% | 3,389 |
| Return on assets (ROA) | 0.7107% | 3,498 |
| Pretax return on assets | 0.7107% | 4,196 |
| Return on Equity (ROE) | 5.6056% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.6056% | 2,812 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2619% | 5,062 |
| Assets per employee ($millions) | 2.9308% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3914% | 1,429 |
| Loan loss allowance to noncurrent loans | 104.4755% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 1.6484% | 4,007 |
| Noncurrent loans to loans | 2.2890% | 3,402 |
| Net loans and leases to total assets | 65.0193% | 4,099 |
| Net loans and leases to deposits | 78.3903% | 3,964 |
| Net loans and leases to core deposits | 82.8699% | 4,369 |
| Total domestic deposits to total assets | 82.9431% | 4,655 |
| Equity capital to assets | 12.5456% | 1,731 |
| Core capital (leverage) ratio | 12.5592% | 1,387 |
| Tier 1 risk-based capital ratio | 17.5932% | 2,053 |
| Total risk-based capital ratio | 18.8479% | 2,023 |
| Memoranda: | ||
| Average total assets | $92,308,000 | 5,375 |
| Average earning assets | $84,639,000 | 5,346 |
| Average equity | $11,702,500 | 4,790 |
| Average total loans | $62,828,000 | 5,142 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4901% | 684 |
| Cost of funding earning assets | 1.5054% | 5,490 |
| Net interest margin | 4.9847% | 462 |
| Noninterest income to average assets | 0.9413% | 1,783 |
| Noninterest expense to average assets | 3.2730% | 3,113 |
| Loan and lease loss provision to assets | 0.6936% | 3,050 |
| Net operating income to assets | 1.5534% | 607 |
| Return on assets (ROA) | 1.5589% | 641 |
| Pretax return on assets | 1.5589% | 1,056 |
| Return on Equity (ROE) | 12.3253% | 1,086 |
| Retained earnings to average equity (ytd only) | 3.1858% | 2,929 |
| Net charge-offs to loans | 1.2197% | 2,018 |
| Credit loss provision to net charge-offs | 79.1457% | 6,304 |
| Earnings coverage of net charge-offs (x) | 2.5641% | 3,836 |
| Efficiency ratio | 59.2940% | 6,582 |
| Assets per employee ($millions) | 2.7524% | 6,751 |
| Cash dividends to net income (ytd only)* | 74.1525% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 1,999 |
| Loan loss allowance to noncurrent loans | 154.0049% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 4,999 |
| Noncurrent loans to loans | 1.3041% | 4,744 |
| Net loans and leases to total assets | 68.1647% | 3,669 |
| Net loans and leases to deposits | 83.0882% | 3,434 |
| Net loans and leases to core deposits | 97.9141% | 4,228 |
| Total domestic deposits to total assets | 82.0390% | 4,930 |
| Equity capital to assets | 12.8140% | 1,591 |
| Core capital (leverage) ratio | 12.7373% | 1,333 |
| Tier 1 risk-based capital ratio | 16.9607% | 2,160 |
| Total risk-based capital ratio | 18.2189% | 2,125 |
| Memoranda: | ||
| Average total assets | $90,833,000 | 5,367 |
| Average earning assets | $83,435,200 | 5,344 |
| Average equity | $11,488,600 | 4,883 |
| Average total loans | $65,259,400 | 5,055 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6562% | 548 |
| Cost of funding earning assets | 1.5429% | 5,663 |
| Net interest margin | 5.1133% | 356 |
| Noninterest income to average assets | 0.9717% | 1,703 |
| Noninterest expense to average assets | 3.2014% | 3,290 |
| Loan and lease loss provision to assets | 0.6605% | 2,765 |
| Net operating income to assets | 1.8187% | 424 |
| Return on assets (ROA) | 1.8260% | 444 |
| Pretax return on assets | 1.8260% | 761 |
| Return on Equity (ROE) | 14.4846% | 840 |
| Retained earnings to average equity (ytd only) | 8.8956% | 872 |
| Net charge-offs to loans | 0.6527% | 2,728 |
| Credit loss provision to net charge-offs | 139.7516% | 3,527 |
| Earnings coverage of net charge-offs (x) | 5.2454% | 2,889 |
| Efficiency ratio | 56.3566% | 6,952 |
| Assets per employee ($millions) | 2.7651% | 6,711 |
| Cash dividends to net income (ytd only)* | 38.5849% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3776% | 1,199 |
| Loan loss allowance to noncurrent loans | 207.2944% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 5,043 |
| Noncurrent loans to loans | 1.1470% | 5,029 |
| Net loans and leases to total assets | 72.5284% | 2,913 |
| Net loans and leases to deposits | 90.1234% | 2,557 |
| Net loans and leases to core deposits | 106.7643% | 3,613 |
| Total domestic deposits to total assets | 80.4767% | 5,260 |
| Equity capital to assets | 13.6036% | 1,452 |
| Core capital (leverage) ratio | 13.1572% | 1,336 |
| Tier 1 risk-based capital ratio | 18.1247% | 1,949 |
| Total risk-based capital ratio | 19.3887% | 1,899 |
| Memoranda: | ||
| Average total assets | $90,833,750 | 5,397 |
| Average earning assets | $83,649,750 | 5,385 |
| Average equity | $11,451,000 | 4,935 |
| Average total loans | $65,778,500 | 5,072 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6094% | 653 |
| Cost of funding earning assets | 1.5659% | 5,858 |
| Net interest margin | 5.0435% | 388 |
| Noninterest income to average assets | 0.6287% | 3,476 |
| Noninterest expense to average assets | 3.2352% | 3,215 |
| Loan and lease loss provision to assets | 0.6549% | 2,466 |
| Net operating income to assets | 1.3862% | 1,051 |
| Return on assets (ROA) | 1.3971% | 1,103 |
| Pretax return on assets | 1.3971% | 1,737 |
| Return on Equity (ROE) | 11.3720% | 1,596 |
| Retained earnings to average equity (ytd only) | 2.8430% | 3,743 |
| Net charge-offs to loans | 0.2371% | 4,015 |
| Credit loss provision to net charge-offs | 384.6154% | 1,204 |
| Earnings coverage of net charge-offs (x) | 11.9872% | 1,854 |
| Efficiency ratio | 61.3157% | 6,347 |
| Assets per employee ($millions) | 2.8214% | 6,578 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5017% | 896 |
| Loan loss allowance to noncurrent loans | 233.0520% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 4,671 |
| Noncurrent loans to loans | 1.0734% | 5,061 |
| Net loans and leases to total assets | 71.5279% | 3,339 |
| Net loans and leases to deposits | 91.6482% | 2,536 |
| Net loans and leases to core deposits | 106.2434% | 3,811 |
| Total domestic deposits to total assets | 78.0462% | 6,064 |
| Equity capital to assets | 12.4107% | 1,968 |
| Core capital (leverage) ratio | 12.2854% | 1,704 |
| Tier 1 risk-based capital ratio | 16.7151% | 2,391 |
| Total risk-based capital ratio | 17.9807% | 2,334 |
| Memoranda: | ||
| Average total assets | $91,617,000 | 5,418 |
| Average earning assets | $84,425,670 | 5,396 |
| Average equity | $11,255,670 | 5,009 |
| Average total loans | $65,791,670 | 5,118 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6452% | 643 |
| Cost of funding earning assets | 1.6719% | 5,732 |
| Net interest margin | 4.9733% | 430 |
| Noninterest income to average assets | 0.5895% | 3,631 |
| Noninterest expense to average assets | 3.0471% | 3,568 |
| Loan and lease loss provision to assets | 0.6502% | 1,942 |
| Net operating income to assets | 1.4694% | 999 |
| Return on assets (ROA) | 1.4911% | 1,025 |
| Pretax return on assets | 1.4911% | 1,690 |
| Return on Equity (ROE) | 12.1975% | 1,600 |
| Retained earnings to average equity (ytd only) | 12.1975% | 754 |
| Net charge-offs to loans | 0.0122% | 5,440 |
| Credit loss provision to net charge-offs | 7,500.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 244.5000% | 175 |
| Efficiency ratio | 58.9765% | 6,557 |
| Assets per employee ($millions) | 2.9826% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3956% | 855 |
| Loan loss allowance to noncurrent loans | 274.3501% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 1.0318% | 4,630 |
| Noncurrent loans to loans | 0.8732% | 5,268 |
| Net loans and leases to total assets | 69.7559% | 3,732 |
| Net loans and leases to deposits | 82.9000% | 4,147 |
| Net loans and leases to core deposits | 96.7537% | 4,872 |
| Total domestic deposits to total assets | 84.1447% | 3,638 |
| Equity capital to assets | 12.4452% | 2,006 |
| Core capital (leverage) ratio | 12.3062% | 1,757 |
| Tier 1 risk-based capital ratio | 16.8685% | 2,378 |
| Total risk-based capital ratio | 18.1311% | 2,311 |
| Memoranda: | ||
| Average total assets | $92,283,000 | 5,412 |
| Average earning assets | $84,934,000 | 5,395 |
| Average equity | $11,281,000 | 5,033 |
| Average total loans | $65,569,500 | 5,148 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4835% | 424 |
| Cost of funding earning assets | 2.3097% | 5,103 |
| Net interest margin | 5.1738% | 355 |
| Noninterest income to average assets | 0.6334% | 3,609 |
| Noninterest expense to average assets | 2.8930% | 4,471 |
| Loan and lease loss provision to assets | 0.5955% | 2,444 |
| Net operating income to assets | 1.8839% | 448 |
| Return on assets (ROA) | 1.9077% | 410 |
| Pretax return on assets | 1.9077% | 754 |
| Return on Equity (ROE) | 15.5437% | 844 |
| Retained earnings to average equity (ytd only) | 1.2527% | 4,471 |
| Net charge-offs to loans | 0.7248% | 1,703 |
| Credit loss provision to net charge-offs | 117.5214% | 4,583 |
| Earnings coverage of net charge-offs (x) | 4.8932% | 3,823 |
| Efficiency ratio | 53.8493% | 7,283 |
| Assets per employee ($millions) | 2.8783% | 6,375 |
| Cash dividends to net income (ytd only)* | 91.9410% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2057% | 939 |
| Loan loss allowance to noncurrent loans | 405.3672% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 4,969 |
| Noncurrent loans to loans | 0.5441% | 5,731 |
| Net loans and leases to total assets | 69.0777% | 4,237 |
| Net loans and leases to deposits | 81.3492% | 4,818 |
| Net loans and leases to core deposits | 95.1785% | 5,332 |
| Total domestic deposits to total assets | 84.9150% | 2,880 |
| Equity capital to assets | 12.0026% | 2,292 |
| Core capital (leverage) ratio | 11.9402% | 1,995 |
| Tier 1 risk-based capital ratio | 17.0071% | 2,307 |
| Total risk-based capital ratio | 18.2690% | 2,259 |
| Memoranda: | ||
| Average total assets | $92,361,000 | 5,280 |
| Average earning assets | $84,599,600 | 5,286 |
| Average equity | $11,335,800 | 5,028 |
| Average total loans | $64,571,800 | 5,073 |