Home > County Bank > Performance and Condition Ratios
County 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 | 5.6694% | 1,736 |
| Cost of funding earning assets | 1.2193% | 3,712 |
| Net interest margin | 4.4501% | 677 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 3.2114% | 862 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.6218% | 870 |
| Return on assets (ROA) | 1.6218% | 865 |
| Pretax return on assets | 1.6218% | 1,265 |
| Return on Equity (ROE) | 21.2100% | 355 |
| Retained earnings to average equity (ytd only) | -5.3025% | 4,090 |
| Net charge-offs to loans | 0.0187% | 1,630 |
| Credit loss provision to net charge-offs | 225.0000% | 847 |
| Earnings coverage of net charge-offs (x) | 128.2500% | 595 |
| Efficiency ratio | 66.0490% | 2,233 |
| Assets per employee ($millions) | 6.2639% | 2,743 |
| Cash dividends to net income (ytd only)* | 125.0000% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 1,235 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 67.0200% | 2,195 |
| Net loans and leases to deposits | 72.7055% | 2,683 |
| Net loans and leases to core deposits | 80.3316% | 2,669 |
| Total domestic deposits to total assets | 92.1800% | 244 |
| Equity capital to assets | 7.6270% | 3,787 |
| Core capital (leverage) ratio | 8.0996% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1239% | 1,483 |
| Memoranda: | ||
| Average total assets | $124,308,500 | 3,585 |
| Average earning assets | $117,121,000 | 3,559 |
| Average equity | $9,505,000 | 3,829 |
| Average total loans | $85,354,000 | 3,371 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 2,068 |
| Cost of funding earning assets | 1.0888% | 3,944 |
| Net interest margin | 4.4448% | 693 |
| Noninterest income to average assets | 0.7400% | 1,053 |
| Noninterest expense to average assets | 3.3536% | 701 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.5271% | 867 |
| Return on assets (ROA) | 1.5271% | 863 |
| Pretax return on assets | 1.5271% | 1,228 |
| Return on Equity (ROE) | 20.6500% | 364 |
| Retained earnings to average equity (ytd only) | 1.4559% | 3,546 |
| Net charge-offs to loans | -0.1626% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 68.3004% | 2,211 |
| Assets per employee ($millions) | 5.8733% | 2,973 |
| Cash dividends to net income (ytd only)* | 92.9487% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,273 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 68.3700% | 2,097 |
| Net loans and leases to deposits | 77.9055% | 2,295 |
| Net loans and leases to core deposits | 86.2276% | 2,376 |
| Total domestic deposits to total assets | 87.7600% | 1,608 |
| Equity capital to assets | 7.6659% | 3,689 |
| Core capital (leverage) ratio | 8.2677% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0249% | 1,515 |
| Memoranda: | ||
| Average total assets | $122,584,400 | 3,603 |
| Average earning assets | $114,988,400 | 3,573 |
| Average equity | $9,066,400 | 3,858 |
| Average total loans | $78,734,600 | 3,434 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 2,212 |
| Cost of funding earning assets | 1.0748% | 3,967 |
| Net interest margin | 4.3585% | 755 |
| Noninterest income to average assets | 0.7200% | 1,077 |
| Noninterest expense to average assets | 3.3127% | 722 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.4619% | 987 |
| Return on assets (ROA) | 1.4619% | 985 |
| Pretax return on assets | 1.4619% | 1,379 |
| Return on Equity (ROE) | 19.9500% | 433 |
| Retained earnings to average equity (ytd only) | 2.2595% | 3,388 |
| Net charge-offs to loans | -0.2267% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 68.9569% | 2,148 |
| Assets per employee ($millions) | 5.8930% | 2,958 |
| Cash dividends to net income (ytd only)* | 88.6736% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,165 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 65.6100% | 2,362 |
| Net loans and leases to deposits | 71.3618% | 2,869 |
| Net loans and leases to core deposits | 78.6779% | 2,901 |
| Total domestic deposits to total assets | 91.9400% | 190 |
| Equity capital to assets | 7.8544% | 3,802 |
| Core capital (leverage) ratio | 8.4594% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6589% | 1,369 |
| Memoranda: | ||
| Average total assets | $122,395,750 | 3,603 |
| Average earning assets | $114,623,500 | 3,586 |
| Average equity | $8,969,250 | 3,880 |
| Average total loans | $77,034,500 | 3,466 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3664% | 2,217 |
| Cost of funding earning assets | 1.0487% | 3,963 |
| Net interest margin | 4.3177% | 771 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 3.3130% | 710 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.3711% | 1,129 |
| Return on assets (ROA) | 1.3711% | 1,140 |
| Pretax return on assets | 1.3711% | 1,544 |
| Return on Equity (ROE) | 19.1800% | 504 |
| Retained earnings to average equity (ytd only) | -4.3354% | 4,288 |
| Net charge-offs to loans | -0.3482% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 70.2853% | 2,076 |
| Assets per employee ($millions) | 5.8382% | 2,933 |
| Cash dividends to net income (ytd only)* | 122.6077% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 985 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.3400% | 2,725 |
| Net loans and leases to deposits | 67.2391% | 3,172 |
| Net loans and leases to core deposits | 73.4931% | 3,192 |
| Total domestic deposits to total assets | 92.7100% | 169 |
| Equity capital to assets | 7.0708% | 3,912 |
| Core capital (leverage) ratio | 8.0209% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6835% | 1,347 |
| Memoranda: | ||
| Average total assets | $121,943,333 | 3,622 |
| Average earning assets | $114,043,333 | 3,602 |
| Average equity | $8,719,000 | 3,893 |
| Average total loans | $75,247,667 | 3,501 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 2,433 |
| Cost of funding earning assets | 1.0298% | 3,959 |
| Net interest margin | 4.1545% | 909 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 3.2726% | 750 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.2334% | 1,359 |
| Return on assets (ROA) | 1.2334% | 1,368 |
| Pretax return on assets | 1.2334% | 1,810 |
| Return on Equity (ROE) | 17.1500% | 706 |
| Retained earnings to average equity (ytd only) | -13.7237% | 4,382 |
| Net charge-offs to loans | -0.7237% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.1537% | 1,931 |
| Assets per employee ($millions) | 5.9555% | 2,876 |
| Cash dividends to net income (ytd only)* | 180.0000% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 867 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 58.7600% | 2,984 |
| Net loans and leases to deposits | 63.2411% | 3,337 |
| Net loans and leases to core deposits | 69.1880% | 3,371 |
| Total domestic deposits to total assets | 92.9100% | 198 |
| Equity capital to assets | 6.8476% | 3,959 |
| Core capital (leverage) ratio | 8.0727% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8027% | 1,327 |
| Memoranda: | ||
| Average total assets | $121,614,000 | 3,642 |
| Average earning assets | $113,420,000 | 3,621 |
| Average equity | $8,744,000 | 3,909 |
| Average total loans | $74,063,500 | 3,521 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 2,566 |
| Cost of funding earning assets | 0.6043% | 4,064 |
| Net interest margin | 4.1489% | 1,011 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 3.2658% | 766 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3478% | 1,328 |
| Return on assets (ROA) | 1.3461% | 1,305 |
| Pretax return on assets | 1.3461% | 1,749 |
| Return on Equity (ROE) | 19.8500% | 630 |
| Retained earnings to average equity (ytd only) | 3.6287% | 3,080 |
| Net charge-offs to loans | 0.0084% | 2,349 |
| Credit loss provision to net charge-offs | 600.0000% | 588 |
| Earnings coverage of net charge-offs (x) | 279.0000% | 458 |
| Efficiency ratio | 70.3349% | 1,831 |
| Assets per employee ($millions) | 5.6268% | 3,134 |
| Cash dividends to net income (ytd only)* | 81.7237% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 1,307 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.2800% | 2,730 |
| Net loans and leases to deposits | 66.4001% | 3,147 |
| Net loans and leases to core deposits | 71.1738% | 3,237 |
| Total domestic deposits to total assets | 92.2900% | 266 |
| Equity capital to assets | 7.5523% | 3,687 |
| Core capital (leverage) ratio | 8.3565% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4858% | 1,184 |
| Memoranda: | ||
| Average total assets | $121,533,000 | 3,641 |
| Average earning assets | $113,693,000 | 3,610 |
| Average equity | $8,239,800 | 3,902 |
| Average total loans | $71,536,200 | 3,523 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 2,622 |
| Cost of funding earning assets | 0.5167% | 4,108 |
| Net interest margin | 4.1093% | 1,051 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 3.2152% | 800 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3761% | 1,371 |
| Return on assets (ROA) | 1.3739% | 1,357 |
| Pretax return on assets | 1.3739% | 1,837 |
| Return on Equity (ROE) | 20.8400% | 651 |
| Retained earnings to average equity (ytd only) | 4.4450% | 3,127 |
| Net charge-offs to loans | 0.0094% | 2,052 |
| Credit loss provision to net charge-offs | 540.0000% | 600 |
| Earnings coverage of net charge-offs (x) | 258.0000% | 502 |
| Efficiency ratio | 69.5826% | 1,835 |
| Assets per employee ($millions) | 5.6333% | 3,074 |
| Cash dividends to net income (ytd only)* | 78.6677% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 1,431 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 61.5400% | 2,698 |
| Net loans and leases to deposits | 66.2209% | 3,109 |
| Net loans and leases to core deposits | 71.4371% | 3,138 |
| Total domestic deposits to total assets | 92.9300% | 309 |
| Equity capital to assets | 6.6534% | 3,773 |
| Core capital (leverage) ratio | 8.3260% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2286% | 1,260 |
| Memoranda: | ||
| Average total assets | $122,375,500 | 3,640 |
| Average earning assets | $114,567,500 | 3,609 |
| Average equity | $8,068,750 | 3,930 |
| Average total loans | $71,057,250 | 3,540 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 2,654 |
| Cost of funding earning assets | 0.4112% | 4,147 |
| Net interest margin | 4.0828% | 1,108 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 3.1778% | 812 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3707% | 1,399 |
| Return on assets (ROA) | 1.3674% | 1,390 |
| Pretax return on assets | 1.3674% | 1,895 |
| Return on Equity (ROE) | 20.8000% | 629 |
| Retained earnings to average equity (ytd only) | 0.3442% | 4,014 |
| Net charge-offs to loans | 0.0057% | 2,044 |
| Credit loss provision to net charge-offs | 900.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 433.0000% | 337 |
| Efficiency ratio | 69.4209% | 1,819 |
| Assets per employee ($millions) | 5.8971% | 2,796 |
| Cash dividends to net income (ytd only)* | 98.3452% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,361 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.5000% | 3,083 |
| Net loans and leases to deposits | 60.5687% | 3,387 |
| Net loans and leases to core deposits | 64.5462% | 3,414 |
| Total domestic deposits to total assets | 93.2900% | 212 |
| Equity capital to assets | 6.5085% | 3,992 |
| Core capital (leverage) ratio | 7.7638% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2497% | 1,272 |
| Memoranda: | ||
| Average total assets | $123,734,000 | 3,637 |
| Average earning assets | $115,755,000 | 3,612 |
| Average equity | $8,134,667 | 3,939 |
| Average total loans | $70,131,667 | 3,565 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3331% | 2,722 |
| Cost of funding earning assets | 0.2907% | 4,219 |
| Net interest margin | 4.0424% | 1,193 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 3.1533% | 860 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3163% | 1,633 |
| Return on assets (ROA) | 1.3163% | 1,603 |
| Pretax return on assets | 1.3163% | 2,136 |
| Return on Equity (ROE) | 19.9200% | 777 |
| Retained earnings to average equity (ytd only) | -3.6711% | 4,274 |
| Net charge-offs to loans | 0.0057% | 1,752 |
| Credit loss provision to net charge-offs | 900.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 269 |
| Efficiency ratio | 70.0935% | 1,738 |
| Assets per employee ($millions) | 6.0574% | 2,711 |
| Cash dividends to net income (ytd only)* | 118.4275% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,333 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 53.3400% | 3,249 |
| Net loans and leases to deposits | 57.2096% | 3,491 |
| Net loans and leases to core deposits | 60.4361% | 3,520 |
| Total domestic deposits to total assets | 93.2400% | 269 |
| Equity capital to assets | 6.5768% | 4,005 |
| Core capital (leverage) ratio | 7.7110% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4199% | 1,284 |
| Memoranda: | ||
| Average total assets | $123,681,500 | 3,685 |
| Average earning assets | $115,576,000 | 3,660 |
| Average equity | $8,172,000 | 3,982 |
| Average total loans | $69,697,000 | 3,611 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5257% | 3,012 |
| Cost of funding earning assets | 0.1618% | 4,048 |
| Net interest margin | 3.3639% | 2,371 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.9578% | 1,028 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9554% | 2,743 |
| Return on assets (ROA) | 0.9554% | 2,693 |
| Pretax return on assets | 0.9554% | 3,206 |
| Return on Equity (ROE) | 13.9900% | 1,531 |
| Retained earnings to average equity (ytd only) | 0.0116% | 4,338 |
| Net charge-offs to loans | 0.0185% | 1,731 |
| Credit loss provision to net charge-offs | 276.9231% | 951 |
| Earnings coverage of net charge-offs (x) | 95.6923% | 993 |
| Efficiency ratio | 75.0401% | 1,114 |
| Assets per employee ($millions) | 5.7218% | 3,012 |
| Cash dividends to net income (ytd only)* | 99.9172% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 1,384 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 57.8500% | 2,836 |
| Net loans and leases to deposits | 62.0484% | 3,193 |
| Net loans and leases to core deposits | 64.6399% | 3,227 |
| Total domestic deposits to total assets | 93.2300% | 358 |
| Equity capital to assets | 6.6396% | 3,841 |
| Core capital (leverage) ratio | 7.8964% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0837% | 1,349 |
| Memoranda: | ||
| Average total assets | $126,445,000 | 3,671 |
| Average earning assets | $118,641,800 | 3,643 |
| Average equity | $8,635,400 | 4,033 |
| Average total loans | $70,305,600 | 3,571 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 3,031 |
| Cost of funding earning assets | 0.1563% | 3,770 |
| Net interest margin | 3.1989% | 2,627 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.8964% | 1,064 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8436% | 3,086 |
| Return on assets (ROA) | 0.8436% | 3,060 |
| Pretax return on assets | 0.8436% | 3,485 |
| Return on Equity (ROE) | 12.2700% | 1,952 |
| Retained earnings to average equity (ytd only) | 2.6970% | 3,861 |
| Net charge-offs to loans | 0.0171% | 1,506 |
| Credit loss provision to net charge-offs | 300.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 975 |
| Efficiency ratio | 76.8657% | 1,006 |
| Assets per employee ($millions) | 5.9653% | 2,796 |
| Cash dividends to net income (ytd only)* | 78.0247% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,597 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 56.5600% | 2,847 |
| Net loans and leases to deposits | 60.3121% | 3,171 |
| Net loans and leases to core deposits | 63.1019% | 3,179 |
| Total domestic deposits to total assets | 93.7800% | 398 |
| Equity capital to assets | 6.0285% | 3,951 |
| Core capital (leverage) ratio | 7.4968% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7806% | 1,483 |
| Memoranda: | ||
| Average total assets | $128,016,750 | 3,680 |
| Average earning assets | $120,288,750 | 3,641 |
| Average equity | $8,799,750 | 4,060 |
| Average total loans | $70,252,250 | 3,584 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1650% | 3,149 |
| Cost of funding earning assets | 0.1567% | 3,494 |
| Net interest margin | 3.0084% | 2,847 |
| Noninterest income to average assets | 0.7368% | 1,212 |
| Noninterest expense to average assets | 2.8821% | 1,022 |
| Loan and lease loss provision to assets | 0.0279% | 2,088 |
| Net operating income to assets | 0.6562% | 3,455 |
| Return on assets (ROA) | 0.6562% | 3,404 |
| Pretax return on assets | 0.6562% | 3,695 |
| Return on Equity (ROE) | 9.1800% | 2,635 |
| Retained earnings to average equity (ytd only) | -2.3655% | 4,410 |
| Net charge-offs to loans | 0.0143% | 1,480 |
| Credit loss provision to net charge-offs | 360.0000% | 732 |
| Earnings coverage of net charge-offs (x) | 88.2000% | 877 |
| Efficiency ratio | 80.8177% | 889 |
| Assets per employee ($millions) | 6.5997% | 2,242 |
| Cash dividends to net income (ytd only)* | 125.7683% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.6713% | 3,195 |
| Net loans and leases to deposits | 55.1550% | 3,452 |
| Net loans and leases to core deposits | 57.8134% | 3,433 |
| Total domestic deposits to total assets | 93.6838% | 343 |
| Equity capital to assets | 6.1829% | 4,142 |
| Core capital (leverage) ratio | 7.2668% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5955% | 1,545 |
| Memoranda: | ||
| Average total assets | $128,932,000 | 3,708 |
| Average earning assets | $121,262,333 | 3,680 |
| Average equity | $9,215,667 | 4,083 |
| Average total loans | $69,715,667 | 3,624 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1379% | 2,861 |
| Cost of funding earning assets | 0.1604% | 3,364 |
| Net interest margin | 2.9775% | 2,576 |
| Noninterest income to average assets | 0.7096% | 1,285 |
| Noninterest expense to average assets | 2.9701% | 858 |
| Loan and lease loss provision to assets | 0.0283% | 1,856 |
| Net operating income to assets | 0.5086% | 3,690 |
| Return on assets (ROA) | 0.5086% | 3,657 |
| Pretax return on assets | 0.5086% | 3,858 |
| Return on Equity (ROE) | 6.6509% | 3,142 |
| Retained earnings to average equity (ytd only) | -13.1376% | 4,617 |
| Net charge-offs to loans | 0.0114% | 1,345 |
| Credit loss provision to net charge-offs | 450.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 721 |
| Efficiency ratio | 84.6911% | 805 |
| Assets per employee ($millions) | 6.6126% | 2,286 |
| Cash dividends to net income (ytd only)* | 297.5309% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 1,861 |
| Loan loss allowance to noncurrent loans | 99,600.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,121 |
| Noncurrent loans to loans | 0.0014% | 4,048 |
| Net loans and leases to total assets | 52.5591% | 2,932 |
| Net loans and leases to deposits | 56.3916% | 3,231 |
| Net loans and leases to core deposits | 59.3433% | 3,202 |
| Total domestic deposits to total assets | 93.2038% | 224 |
| Equity capital to assets | 6.7039% | 4,338 |
| Core capital (leverage) ratio | 7.0668% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1845% | 1,726 |
| Memoranda: | ||
| Average total assets | $127,401,000 | 3,741 |
| Average earning assets | $119,697,500 | 3,717 |
| Average equity | $9,743,000 | 4,087 |
| Average total loans | $69,970,500 | 3,620 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 1,757 |
| Cost of funding earning assets | 0.1967% | 3,502 |
| Net interest margin | 3.6474% | 1,347 |
| Noninterest income to average assets | 0.9288% | 1,138 |
| Noninterest expense to average assets | 2.9795% | 1,016 |
| Loan and lease loss provision to assets | 0.0300% | 2,459 |
| Net operating income to assets | 1.3308% | 1,515 |
| Return on assets (ROA) | 1.3258% | 1,573 |
| Pretax return on assets | 1.3258% | 2,280 |
| Return on Equity (ROE) | 15.4777% | 841 |
| Retained earnings to average equity (ytd only) | 10.3476% | 833 |
| Net charge-offs to loans | 0.0215% | 1,836 |
| Credit loss provision to net charge-offs | 240.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 838 |
| Efficiency ratio | 68.6481% | 1,904 |
| Assets per employee ($millions) | 5.8358% | 2,913 |
| Cash dividends to net income (ytd only)* | 33.1450% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 1,818 |
| Loan loss allowance to noncurrent loans | 99,000.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,204 |
| Noncurrent loans to loans | 0.0014% | 4,123 |
| Net loans and leases to total assets | 55.8502% | 2,636 |
| Net loans and leases to deposits | 61.2615% | 2,961 |
| Net loans and leases to core deposits | 64.3740% | 2,946 |
| Total domestic deposits to total assets | 91.1669% | 428 |
| Equity capital to assets | 8.6658% | 3,919 |
| Core capital (leverage) ratio | 7.8970% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6680% | 1,623 |
| Memoranda: | ||
| Average total assets | $120,156,400 | 3,797 |
| Average earning assets | $112,381,800 | 3,785 |
| Average equity | $10,292,200 | 4,094 |
| Average total loans | $69,611,800 | 3,658 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 1,484 |
| Cost of funding earning assets | 0.2063% | 3,546 |
| Net interest margin | 3.8176% | 1,080 |
| Noninterest income to average assets | 0.9100% | 1,235 |
| Noninterest expense to average assets | 3.0021% | 969 |
| Loan and lease loss provision to assets | 0.0301% | 2,391 |
| Net operating income to assets | 1.4486% | 1,399 |
| Return on assets (ROA) | 1.4419% | 1,477 |
| Pretax return on assets | 1.4419% | 2,175 |
| Return on Equity (ROE) | 16.8846% | 780 |
| Retained earnings to average equity (ytd only) | 14.1423% | 497 |
| Net charge-offs to loans | 0.0211% | 1,630 |
| Credit loss provision to net charge-offs | 245.4545% | 1,109 |
| Earnings coverage of net charge-offs (x) | 120.5455% | 771 |
| Efficiency ratio | 66.9985% | 1,970 |
| Assets per employee ($millions) | 5.8738% | 2,812 |
| Cash dividends to net income (ytd only)* | 16.2413% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,939 |
| Loan loss allowance to noncurrent loans | 98,600.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,292 |
| Noncurrent loans to loans | 0.0014% | 4,220 |
| Net loans and leases to total assets | 55.4889% | 2,790 |
| Net loans and leases to deposits | 60.9766% | 3,140 |
| Net loans and leases to core deposits | 64.0553% | 3,135 |
| Total domestic deposits to total assets | 91.0003% | 367 |
| Equity capital to assets | 8.7937% | 4,006 |
| Core capital (leverage) ratio | 7.8252% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7914% | 1,688 |
| Memoranda: | ||
| Average total assets | $119,557,750 | 3,847 |
| Average earning assets | $111,830,250 | 3,833 |
| Average equity | $10,210,250 | 4,159 |
| Average total loans | $69,656,000 | 3,708 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 856 |
| Cost of funding earning assets | 0.2156% | 3,595 |
| Net interest margin | 4.1797% | 607 |
| Noninterest income to average assets | 0.8995% | 1,276 |
| Noninterest expense to average assets | 3.0230% | 949 |
| Loan and lease loss provision to assets | 0.0304% | 2,371 |
| Net operating income to assets | 1.7465% | 803 |
| Return on assets (ROA) | 1.7364% | 868 |
| Pretax return on assets | 1.7364% | 1,396 |
| Return on Equity (ROE) | 20.5441% | 416 |
| Retained earnings to average equity (ytd only) | 18.1436% | 216 |
| Net charge-offs to loans | 0.0229% | 1,486 |
| Credit loss provision to net charge-offs | 225.0000% | 998 |
| Earnings coverage of net charge-offs (x) | 131.3750% | 642 |
| Efficiency ratio | 62.9799% | 2,580 |
| Assets per employee ($millions) | 5.9620% | 2,658 |
| Cash dividends to net income (ytd only)* | 11.6845% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,889 |
| Loan loss allowance to noncurrent loans | 97,900.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,344 |
| Noncurrent loans to loans | 0.0015% | 4,268 |
| Net loans and leases to total assets | 54.2947% | 3,101 |
| Net loans and leases to deposits | 59.4874% | 3,430 |
| Net loans and leases to core deposits | 62.4316% | 3,424 |
| Total domestic deposits to total assets | 91.2709% | 293 |
| Equity capital to assets | 8.5310% | 4,182 |
| Core capital (leverage) ratio | 7.6143% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3552% | 1,518 |
| Memoranda: | ||
| Average total assets | $118,294,000 | 3,875 |
| Average earning assets | $110,391,667 | 3,869 |
| Average equity | $9,998,000 | 4,201 |
| Average total loans | $69,731,000 | 3,729 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 1,053 |
| Cost of funding earning assets | 0.2324% | 3,626 |
| Net interest margin | 4.0603% | 770 |
| Noninterest income to average assets | 0.9091% | 1,303 |
| Noninterest expense to average assets | 3.0303% | 944 |
| Loan and lease loss provision to assets | 0.0313% | 2,362 |
| Net operating income to assets | 1.6196% | 1,090 |
| Return on assets (ROA) | 1.6196% | 1,140 |
| Pretax return on assets | 1.6196% | 1,670 |
| Return on Equity (ROE) | 19.2616% | 594 |
| Retained earnings to average equity (ytd only) | 16.7763% | 443 |
| Net charge-offs to loans | 0.0399% | 1,070 |
| Credit loss provision to net charge-offs | 128.5714% | 1,023 |
| Earnings coverage of net charge-offs (x) | 67.7143% | 768 |
| Efficiency ratio | 64.7321% | 2,377 |
| Assets per employee ($millions) | 5.8470% | 2,749 |
| Cash dividends to net income (ytd only)* | 12.9032% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 2,019 |
| Loan loss allowance to noncurrent loans | 48,600.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,402 |
| Noncurrent loans to loans | 0.0029% | 4,319 |
| Net loans and leases to total assets | 56.2939% | 2,998 |
| Net loans and leases to deposits | 61.4371% | 3,372 |
| Net loans and leases to core deposits | 64.7382% | 3,345 |
| Total domestic deposits to total assets | 91.6285% | 212 |
| Equity capital to assets | 8.1548% | 4,394 |
| Core capital (leverage) ratio | 7.7467% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8220% | 1,631 |
| Memoranda: | ||
| Average total assets | $114,840,000 | 3,914 |
| Average earning assets | $106,692,500 | 3,914 |
| Average equity | $9,656,500 | 4,253 |
| Average total loans | $70,118,000 | 3,732 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 1,251 |
| Cost of funding earning assets | 0.3925% | 3,625 |
| Net interest margin | 4.1321% | 737 |
| Noninterest income to average assets | 1.0399% | 973 |
| Noninterest expense to average assets | 3.4792% | 711 |
| Loan and lease loss provision to assets | 0.1548% | 2,435 |
| Net operating income to assets | 1.2127% | 1,511 |
| Return on assets (ROA) | 1.2616% | 1,461 |
| Pretax return on assets | 1.2616% | 2,114 |
| Return on Equity (ROE) | 14.1196% | 783 |
| Retained earnings to average equity (ytd only) | 3.9463% | 2,855 |
| Net charge-offs to loans | 0.1271% | 1,240 |
| Credit loss provision to net charge-offs | 170.3297% | 2,316 |
| Earnings coverage of net charge-offs (x) | 15.0440% | 2,183 |
| Efficiency ratio | 71.7848% | 1,704 |
| Assets per employee ($millions) | 5.0902% | 3,293 |
| Cash dividends to net income (ytd only)* | 72.0507% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 2,046 |
| Loan loss allowance to noncurrent loans | 48,450.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 1,834 |
| Noncurrent loans to loans | 0.0029% | 4,401 |
| Net loans and leases to total assets | 64.7127% | 2,275 |
| Net loans and leases to deposits | 71.1396% | 2,771 |
| Net loans and leases to core deposits | 75.7125% | 2,755 |
| Total domestic deposits to total assets | 90.9658% | 236 |
| Equity capital to assets | 8.7002% | 4,288 |
| Core capital (leverage) ratio | 7.4152% | 4,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0938% | 2,203 |
| Memoranda: | ||
| Average total assets | $100,110,000 | 3,994 |
| Average earning assets | $92,229,400 | 3,994 |
| Average equity | $8,945,000 | 4,324 |
| Average total loans | $71,602,800 | 3,693 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 1,980 |
| Cost of funding earning assets | 0.4129% | 3,746 |
| Net interest margin | 3.9323% | 1,276 |
| Noninterest income to average assets | 1.3710% | 588 |
| Noninterest expense to average assets | 3.4750% | 728 |
| Loan and lease loss provision to assets | 0.1839% | 2,145 |
| Net operating income to assets | 1.3372% | 1,269 |
| Return on assets (ROA) | 1.4036% | 1,189 |
| Pretax return on assets | 1.4036% | 1,722 |
| Return on Equity (ROE) | 15.5969% | 597 |
| Retained earnings to average equity (ytd only) | 4.1552% | 2,966 |
| Net charge-offs to loans | 0.1501% | 975 |
| Credit loss provision to net charge-offs | 167.9012% | 2,237 |
| Earnings coverage of net charge-offs (x) | 13.8642% | 2,179 |
| Efficiency ratio | 69.5499% | 1,953 |
| Assets per employee ($millions) | 4.9770% | 3,278 |
| Cash dividends to net income (ytd only)* | 73.3591% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,198 |
| Loan loss allowance to noncurrent loans | 48,000.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 1,942 |
| Noncurrent loans to loans | 0.0027% | 4,452 |
| Net loans and leases to total assets | 70.3318% | 1,899 |
| Net loans and leases to deposits | 77.4396% | 2,595 |
| Net loans and leases to core deposits | 82.5348% | 2,618 |
| Total domestic deposits to total assets | 90.8215% | 206 |
| Equity capital to assets | 8.7929% | 4,261 |
| Core capital (leverage) ratio | 7.5935% | 4,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5490% | 2,393 |
| Memoranda: | ||
| Average total assets | $98,414,000 | 4,010 |
| Average earning assets | $90,734,500 | 4,012 |
| Average equity | $8,856,250 | 4,347 |
| Average total loans | $71,967,750 | 3,707 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 2,037 |
| Cost of funding earning assets | 0.4273% | 3,912 |
| Net interest margin | 4.0320% | 1,256 |
| Noninterest income to average assets | 1.5314% | 440 |
| Noninterest expense to average assets | 3.5298% | 724 |
| Loan and lease loss provision to assets | 0.2013% | 2,036 |
| Net operating income to assets | 1.5211% | 889 |
| Return on assets (ROA) | 1.6227% | 796 |
| Pretax return on assets | 1.6227% | 1,171 |
| Return on Equity (ROE) | 17.8845% | 378 |
| Retained earnings to average equity (ytd only) | 2.7902% | 3,462 |
| Net charge-offs to loans | 0.1884% | 810 |
| Credit loss provision to net charge-offs | 144.7761% | 2,156 |
| Earnings coverage of net charge-offs (x) | 12.3881% | 2,059 |
| Efficiency ratio | 67.2066% | 2,351 |
| Assets per employee ($millions) | 4.9413% | 3,250 |
| Cash dividends to net income (ytd only)* | 84.3990% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,285 |
| Loan loss allowance to noncurrent loans | 93,500.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 1,984 |
| Noncurrent loans to loans | 0.0013% | 4,530 |
| Net loans and leases to total assets | 71.5047% | 1,798 |
| Net loans and leases to deposits | 78.5607% | 2,594 |
| Net loans and leases to core deposits | 83.7451% | 2,630 |
| Total domestic deposits to total assets | 91.0184% | 143 |
| Equity capital to assets | 8.6597% | 4,384 |
| Core capital (leverage) ratio | 7.6031% | 4,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3558% | 2,459 |
| Memoranda: | ||
| Average total assets | $96,380,000 | 4,044 |
| Average earning assets | $88,938,000 | 4,042 |
| Average equity | $8,745,000 | 4,366 |
| Average total loans | $71,134,333 | 3,731 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 1,741 |
| Cost of funding earning assets | 0.4489% | 4,159 |
| Net interest margin | 4.2412% | 845 |
| Noninterest income to average assets | 1.0444% | 779 |
| Noninterest expense to average assets | 3.6985% | 701 |
| Loan and lease loss provision to assets | 0.0388% | 3,288 |
| Net operating income to assets | 1.2213% | 1,449 |
| Return on assets (ROA) | 1.2213% | 1,557 |
| Pretax return on assets | 1.2213% | 2,122 |
| Return on Equity (ROE) | 13.1254% | 861 |
| Retained earnings to average equity (ytd only) | -3.5712% | 4,406 |
| Net charge-offs to loans | 0.0231% | 1,905 |
| Credit loss provision to net charge-offs | 225.0000% | 1,347 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 706 |
| Efficiency ratio | 74.5866% | 1,739 |
| Assets per employee ($millions) | 4.7283% | 2,957 |
| Cash dividends to net income (ytd only)* | 127.2085% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,035 |
| Loan loss allowance to noncurrent loans | 119.7368% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8037% | 1,688 |
| Noncurrent loans to loans | 1.1053% | 1,501 |
| Net loans and leases to total assets | 71.7517% | 1,960 |
| Net loans and leases to deposits | 79.1739% | 2,760 |
| Net loans and leases to core deposits | 84.6014% | 2,798 |
| Total domestic deposits to total assets | 90.6255% | 164 |
| Equity capital to assets | 9.1313% | 4,520 |
| Core capital (leverage) ratio | 7.8924% | 4,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7018% | 2,394 |
| Memoranda: | ||
| Average total assets | $92,686,000 | 4,087 |
| Average earning assets | $85,542,000 | 4,085 |
| Average equity | $8,624,500 | 4,401 |
| Average total loans | $69,134,500 | 3,777 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 2,116 |
| Cost of funding earning assets | 0.4120% | 4,407 |
| Net interest margin | 4.3640% | 960 |
| Noninterest income to average assets | 0.9965% | 979 |
| Noninterest expense to average assets | 3.7732% | 697 |
| Loan and lease loss provision to assets | 0.1795% | 1,162 |
| Net operating income to assets | 1.0750% | 2,546 |
| Return on assets (ROA) | 1.2180% | 2,079 |
| Pretax return on assets | 1.2180% | 2,778 |
| Return on Equity (ROE) | 13.2931% | 1,076 |
| Retained earnings to average equity (ytd only) | 0.3285% | 4,600 |
| Net charge-offs to loans | 0.0783% | 1,979 |
| Credit loss provision to net charge-offs | 309.2593% | 897 |
| Earnings coverage of net charge-offs (x) | 21.6111% | 1,880 |
| Efficiency ratio | 75.0481% | 1,482 |
| Assets per employee ($millions) | 4.3241% | 3,473 |
| Cash dividends to net income (ytd only)* | 97.5287% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 1,912 |
| Loan loss allowance to noncurrent loans | 137.7473% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 1,793 |
| Noncurrent loans to loans | 0.9452% | 1,620 |
| Net loans and leases to total assets | 75.5470% | 1,495 |
| Net loans and leases to deposits | 84.0371% | 2,331 |
| Net loans and leases to core deposits | 88.6102% | 2,552 |
| Total domestic deposits to total assets | 89.8973% | 352 |
| Equity capital to assets | 9.4861% | 4,365 |
| Core capital (leverage) ratio | 8.0928% | 5,007 |
| Tier 1 risk-based capital ratio | 12.5535% | 4,036 |
| Total risk-based capital ratio | 13.8066% | 3,923 |
| Memoranda: | ||
| Average total assets | $93,024,600 | 4,099 |
| Average earning assets | $85,930,000 | 4,101 |
| Average equity | $8,523,200 | 4,445 |
| Average total loans | $68,957,200 | 3,796 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 2,274 |
| Cost of funding earning assets | 0.3983% | 4,511 |
| Net interest margin | 4.3504% | 1,052 |
| Noninterest income to average assets | 0.9546% | 1,033 |
| Noninterest expense to average assets | 3.7158% | 736 |
| Loan and lease loss provision to assets | 0.2251% | 760 |
| Net operating income to assets | 1.0287% | 2,868 |
| Return on assets (ROA) | 1.2111% | 2,232 |
| Pretax return on assets | 1.2111% | 2,951 |
| Return on Equity (ROE) | 13.3323% | 1,166 |
| Retained earnings to average equity (ytd only) | -0.8627% | 4,850 |
| Net charge-offs to loans | 0.0271% | 2,550 |
| Credit loss provision to net charge-offs | 1,128.5714% | 315 |
| Earnings coverage of net charge-offs (x) | 62.8441% | 1,032 |
| Efficiency ratio | 74.7706% | 1,469 |
| Assets per employee ($millions) | 4.4041% | 3,336 |
| Cash dividends to net income (ytd only)* | 106.4704% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 1,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.2196% | 2,145 |
| Net loans and leases to deposits | 79.9524% | 2,900 |
| Net loans and leases to core deposits | 84.1837% | 3,078 |
| Total domestic deposits to total assets | 90.3283% | 206 |
| Equity capital to assets | 9.2792% | 4,610 |
| Core capital (leverage) ratio | 8.0403% | 5,110 |
| Tier 1 risk-based capital ratio | 12.6028% | 4,082 |
| Total risk-based capital ratio | 13.8569% | 3,955 |
| Memoranda: | ||
| Average total assets | $93,579,000 | 4,138 |
| Average earning assets | $86,365,250 | 4,142 |
| Average equity | $8,500,500 | 4,495 |
| Average total loans | $68,819,750 | 3,837 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 2,370 |
| Cost of funding earning assets | 0.3829% | 4,573 |
| Net interest margin | 4.3133% | 1,112 |
| Noninterest income to average assets | 0.8942% | 1,085 |
| Noninterest expense to average assets | 3.6298% | 820 |
| Loan and lease loss provision to assets | 0.2193% | 757 |
| Net operating income to assets | 1.0262% | 2,819 |
| Return on assets (ROA) | 1.2007% | 2,208 |
| Pretax return on assets | 1.2007% | 2,898 |
| Return on Equity (ROE) | 13.3124% | 1,154 |
| Retained earnings to average equity (ytd only) | -5.0983% | 5,062 |
| Net charge-offs to loans | 0.0173% | 2,532 |
| Credit loss provision to net charge-offs | 1,716.6667% | 218 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 710 |
| Efficiency ratio | 74.4541% | 1,588 |
| Assets per employee ($millions) | 4.4519% | 3,216 |
| Cash dividends to net income (ytd only)* | 138.2979% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 1,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.8751% | 2,229 |
| Net loans and leases to deposits | 79.2733% | 3,026 |
| Net loans and leases to core deposits | 83.6687% | 3,139 |
| Total domestic deposits to total assets | 90.6675% | 160 |
| Equity capital to assets | 9.0127% | 4,788 |
| Core capital (leverage) ratio | 7.7187% | 5,210 |
| Tier 1 risk-based capital ratio | 12.2006% | 4,299 |
| Total risk-based capital ratio | 13.4542% | 4,175 |
| Memoranda: | ||
| Average total assets | $93,943,330 | 4,159 |
| Average earning assets | $86,708,000 | 4,160 |
| Average equity | $8,473,330 | 4,523 |
| Average total loans | $69,183,000 | 3,852 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 2,527 |
| Cost of funding earning assets | 0.3532% | 4,669 |
| Net interest margin | 4.2478% | 1,203 |
| Noninterest income to average assets | 0.8368% | 1,198 |
| Noninterest expense to average assets | 3.4788% | 994 |
| Loan and lease loss provision to assets | 0.0382% | 2,861 |
| Net operating income to assets | 1.2531% | 1,877 |
| Return on assets (ROA) | 1.2488% | 1,942 |
| Pretax return on assets | 1.2488% | 2,636 |
| Return on Equity (ROE) | 13.8402% | 1,005 |
| Retained earnings to average equity (ytd only) | -5.9315% | 4,972 |
| Net charge-offs to loans | 0.0115% | 2,277 |
| Credit loss provision to net charge-offs | 450.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 502 |
| Efficiency ratio | 72.9297% | 1,892 |
| Assets per employee ($millions) | 4.5520% | 3,118 |
| Cash dividends to net income (ytd only)* | 142.8571% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 2,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.8981% | 2,005 |
| Net loans and leases to deposits | 80.1242% | 2,826 |
| Net loans and leases to core deposits | 85.0718% | 2,949 |
| Total domestic deposits to total assets | 90.9814% | 176 |
| Equity capital to assets | 8.8900% | 4,758 |
| Core capital (leverage) ratio | 8.0620% | 5,190 |
| Tier 1 risk-based capital ratio | 11.9594% | 4,482 |
| Total risk-based capital ratio | 13.2099% | 4,373 |
| Memoranda: | ||
| Average total assets | $94,170,000 | 4,193 |
| Average earning assets | $87,197,500 | 4,198 |
| Average equity | $8,497,000 | 4,541 |
| Average total loans | $69,732,000 | 3,869 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 3,243 |
| Cost of funding earning assets | 0.2775% | 4,668 |
| Net interest margin | 3.9831% | 2,049 |
| Noninterest income to average assets | 0.9080% | 1,158 |
| Noninterest expense to average assets | 3.7212% | 752 |
| Loan and lease loss provision to assets | 0.0370% | 3,458 |
| Net operating income to assets | 0.8063% | 3,783 |
| Return on assets (ROA) | 0.8012% | 3,804 |
| Pretax return on assets | 0.8012% | 4,165 |
| Return on Equity (ROE) | 9.2408% | 2,865 |
| Retained earnings to average equity (ytd only) | -2.2036% | 5,136 |
| Net charge-offs to loans | 0.0375% | 2,649 |
| Credit loss provision to net charge-offs | 138.4615% | 1,946 |
| Earnings coverage of net charge-offs (x) | 31.5769% | 1,538 |
| Efficiency ratio | 81.5257% | 842 |
| Assets per employee ($millions) | 4.4166% | 3,288 |
| Cash dividends to net income (ytd only)* | 123.8462% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 2,831 |
| Loan loss allowance to noncurrent loans | 79,300.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,930 |
| Noncurrent loans to loans | 0.0014% | 4,828 |
| Net loans and leases to total assets | 73.5178% | 2,010 |
| Net loans and leases to deposits | 81.6308% | 2,779 |
| Net loans and leases to core deposits | 86.3301% | 2,889 |
| Total domestic deposits to total assets | 90.0613% | 456 |
| Equity capital to assets | 9.1602% | 4,441 |
| Core capital (leverage) ratio | 7.9742% | 5,244 |
| Tier 1 risk-based capital ratio | 12.4395% | 4,177 |
| Total risk-based capital ratio | 13.6898% | 4,048 |
| Memoranda: | ||
| Average total assets | $97,359,800 | 4,145 |
| Average earning assets | $89,378,000 | 4,155 |
| Average equity | $8,440,800 | 4,540 |
| Average total loans | $69,336,400 | 3,881 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 3,418 |
| Cost of funding earning assets | 0.2687% | 4,683 |
| Net interest margin | 3.8977% | 2,311 |
| Noninterest income to average assets | 0.8703% | 1,287 |
| Noninterest expense to average assets | 3.7016% | 756 |
| Loan and lease loss provision to assets | 0.0365% | 3,274 |
| Net operating income to assets | 0.7051% | 4,207 |
| Return on assets (ROA) | 0.6984% | 4,236 |
| Pretax return on assets | 0.6984% | 4,537 |
| Return on Equity (ROE) | 8.1640% | 3,481 |
| Retained earnings to average equity (ytd only) | -4.7465% | 5,309 |
| Net charge-offs to loans | 0.0307% | 2,481 |
| Credit loss provision to net charge-offs | 168.7500% | 1,577 |
| Earnings coverage of net charge-offs (x) | 34.2546% | 1,490 |
| Efficiency ratio | 83.3080% | 682 |
| Assets per employee ($millions) | 4.3561% | 3,348 |
| Cash dividends to net income (ytd only)* | 158.1398% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,064 |
| Loan loss allowance to noncurrent loans | 39,650.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,026 |
| Noncurrent loans to loans | 0.0028% | 4,937 |
| Net loans and leases to total assets | 72.9157% | 2,182 |
| Net loans and leases to deposits | 81.1243% | 2,909 |
| Net loans and leases to core deposits | 85.3034% | 3,064 |
| Total domestic deposits to total assets | 89.8815% | 546 |
| Equity capital to assets | 8.6556% | 4,825 |
| Core capital (leverage) ratio | 7.6663% | 5,375 |
| Tier 1 risk-based capital ratio | 11.7631% | 4,626 |
| Total risk-based capital ratio | 13.0138% | 4,521 |
| Memoranda: | ||
| Average total assets | $98,512,500 | 4,166 |
| Average earning assets | $90,308,500 | 4,184 |
| Average equity | $8,427,000 | 4,585 |
| Average total loans | $69,425,500 | 3,916 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,603 |
| Cost of funding earning assets | 0.2651% | 4,667 |
| Net interest margin | 3.7883% | 2,602 |
| Noninterest income to average assets | 0.8189% | 1,415 |
| Noninterest expense to average assets | 3.5893% | 877 |
| Loan and lease loss provision to assets | 0.0362% | 3,186 |
| Net operating income to assets | 0.6720% | 4,279 |
| Return on assets (ROA) | 0.6720% | 4,284 |
| Pretax return on assets | 0.6720% | 4,581 |
| Return on Equity (ROE) | 7.8857% | 3,550 |
| Retained earnings to average equity (ytd only) | -9.0190% | 5,402 |
| Net charge-offs to loans | 0.0145% | 2,655 |
| Credit loss provision to net charge-offs | 360.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 70.4000% | 908 |
| Efficiency ratio | 83.5206% | 719 |
| Assets per employee ($millions) | 4.4701% | 3,171 |
| Cash dividends to net income (ytd only)* | 214.3713% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 2,957 |
| Loan loss allowance to noncurrent loans | 8,833.3333% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 5,001 |
| Noncurrent loans to loans | 0.0131% | 4,887 |
| Net loans and leases to total assets | 69.2247% | 2,687 |
| Net loans and leases to deposits | 75.6604% | 3,371 |
| Net loans and leases to core deposits | 78.8147% | 3,511 |
| Total domestic deposits to total assets | 91.4940% | 152 |
| Equity capital to assets | 8.4013% | 5,013 |
| Core capital (leverage) ratio | 7.0957% | 5,477 |
| Tier 1 risk-based capital ratio | 11.5627% | 4,761 |
| Total risk-based capital ratio | 12.8138% | 4,644 |
| Memoranda: | ||
| Average total assets | $99,405,330 | 4,183 |
| Average earning assets | $91,280,330 | 4,202 |
| Average equity | $8,471,000 | 4,619 |
| Average total loans | $69,010,330 | 3,953 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,723 |
| Cost of funding earning assets | 0.2535% | 4,685 |
| Net interest margin | 3.7158% | 2,742 |
| Noninterest income to average assets | 0.7925% | 1,482 |
| Noninterest expense to average assets | 3.5702% | 903 |
| Loan and lease loss provision to assets | 0.0360% | 3,024 |
| Net operating income to assets | 0.5884% | 4,457 |
| Return on assets (ROA) | 0.5884% | 4,463 |
| Pretax return on assets | 0.5884% | 4,714 |
| Return on Equity (ROE) | 6.8567% | 3,839 |
| Retained earnings to average equity (ytd only) | -12.5474% | 5,418 |
| Net charge-offs to loans | -0.0116% | 4,313 |
| Credit loss provision to net charge-offs | -450.0000% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1145% | 706 |
| Assets per employee ($millions) | 5.6671% | 1,792 |
| Cash dividends to net income (ytd only)* | 282.9932% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 64.9537% | 3,185 |
| Net loans and leases to deposits | 70.8574% | 3,717 |
| Net loans and leases to core deposits | 74.1755% | 3,809 |
| Total domestic deposits to total assets | 91.6683% | 157 |
| Equity capital to assets | 8.2445% | 5,150 |
| Core capital (leverage) ratio | 7.3810% | 5,520 |
| Tier 1 risk-based capital ratio | 11.9681% | 4,563 |
| Total risk-based capital ratio | 13.2191% | 4,462 |
| Memoranda: | ||
| Average total assets | $99,937,000 | 4,219 |
| Average earning assets | $91,501,000 | 4,244 |
| Average equity | $8,575,500 | 4,652 |
| Average total loans | $69,079,500 | 3,985 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,787 |
| Cost of funding earning assets | 0.2501% | 4,562 |
| Net interest margin | 3.9244% | 2,013 |
| Noninterest income to average assets | 0.8136% | 1,518 |
| Noninterest expense to average assets | 3.6186% | 880 |
| Loan and lease loss provision to assets | 0.0305% | 3,667 |
| Net operating income to assets | 0.7754% | 3,271 |
| Return on assets (ROA) | 0.7623% | 3,375 |
| Pretax return on assets | 0.7623% | 4,359 |
| Return on Equity (ROE) | 8.8697% | 2,371 |
| Retained earnings to average equity (ytd only) | -4.0732% | 5,402 |
| Net charge-offs to loans | 0.0312% | 3,176 |
| Credit loss provision to net charge-offs | 127.2727% | 2,068 |
| Earnings coverage of net charge-offs (x) | 33.5909% | 1,429 |
| Efficiency ratio | 81.7846% | 944 |
| Assets per employee ($millions) | 5.4370% | 2,003 |
| Cash dividends to net income (ytd only)* | 145.9227% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,359 |
| Loan loss allowance to noncurrent loans | 39,100.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,188 |
| Noncurrent loans to loans | 0.0028% | 5,055 |
| Net loans and leases to total assets | 71.8595% | 2,259 |
| Net loans and leases to deposits | 78.9869% | 3,016 |
| Net loans and leases to core deposits | 84.2318% | 3,040 |
| Total domestic deposits to total assets | 90.9764% | 243 |
| Equity capital to assets | 8.9316% | 4,785 |
| Core capital (leverage) ratio | 7.7824% | 5,504 |
| Tier 1 risk-based capital ratio | 11.6737% | 4,737 |
| Total risk-based capital ratio | 12.8889% | 4,648 |
| Memoranda: | ||
| Average total assets | $91,693,000 | 4,397 |
| Average earning assets | $84,369,600 | 4,394 |
| Average equity | $7,880,800 | 4,801 |
| Average total loans | $70,462,800 | 3,948 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 2,651 |
| Cost of funding earning assets | 0.2488% | 4,573 |
| Net interest margin | 3.9413% | 1,892 |
| Noninterest income to average assets | 0.8253% | 1,497 |
| Noninterest expense to average assets | 3.6176% | 848 |
| Loan and lease loss provision to assets | 0.0311% | 3,495 |
| Net operating income to assets | 0.8075% | 3,494 |
| Return on assets (ROA) | 0.7898% | 3,619 |
| Pretax return on assets | 0.7898% | 4,377 |
| Return on Equity (ROE) | 9.2878% | 2,453 |
| Retained earnings to average equity (ytd only) | -4.1048% | 5,523 |
| Net charge-offs to loans | 0.0114% | 3,323 |
| Credit loss provision to net charge-offs | 350.0000% | 864 |
| Earnings coverage of net charge-offs (x) | 94.4975% | 718 |
| Efficiency ratio | 81.1815% | 981 |
| Assets per employee ($millions) | 5.3969% | 2,024 |
| Cash dividends to net income (ytd only)* | 144.1951% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,465 |
| Loan loss allowance to noncurrent loans | 19,775.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,247 |
| Noncurrent loans to loans | 0.0056% | 5,122 |
| Net loans and leases to total assets | 73.0043% | 2,100 |
| Net loans and leases to deposits | 80.5067% | 2,918 |
| Net loans and leases to core deposits | 85.9001% | 2,979 |
| Total domestic deposits to total assets | 90.6809% | 263 |
| Equity capital to assets | 9.1708% | 4,753 |
| Core capital (leverage) ratio | 7.7819% | 5,574 |
| Tier 1 risk-based capital ratio | 11.6194% | 4,871 |
| Total risk-based capital ratio | 12.8387% | 4,779 |
| Memoranda: | ||
| Average total assets | $90,149,750 | 4,467 |
| Average earning assets | $83,049,500 | 4,459 |
| Average equity | $7,665,750 | 4,878 |
| Average total loans | $70,301,500 | 3,986 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 2,512 |
| Cost of funding earning assets | 0.2445% | 4,592 |
| Net interest margin | 3.9448% | 1,799 |
| Noninterest income to average assets | 0.7311% | 1,856 |
| Noninterest expense to average assets | 3.6872% | 784 |
| Loan and lease loss provision to assets | 0.0205% | 3,570 |
| Net operating income to assets | 0.6605% | 4,028 |
| Return on assets (ROA) | 0.6331% | 4,199 |
| Pretax return on assets | 0.6331% | 4,736 |
| Return on Equity (ROE) | 7.6676% | 3,214 |
| Retained earnings to average equity (ytd only) | -9.4328% | 5,642 |
| Net charge-offs to loans | -0.0516% | 5,185 |
| Credit loss provision to net charge-offs | -50.0000% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4108% | 809 |
| Assets per employee ($millions) | 5.5600% | 1,820 |
| Cash dividends to net income (ytd only)* | 223.0216% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,510 |
| Loan loss allowance to noncurrent loans | 827.8351% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 4,702 |
| Noncurrent loans to loans | 0.1344% | 4,578 |
| Net loans and leases to total assets | 71.2900% | 2,321 |
| Net loans and leases to deposits | 78.3000% | 3,088 |
| Net loans and leases to core deposits | 83.3902% | 3,135 |
| Total domestic deposits to total assets | 91.0472% | 212 |
| Equity capital to assets | 8.8030% | 5,067 |
| Core capital (leverage) ratio | 8.4688% | 5,239 |
| Tier 1 risk-based capital ratio | 11.4221% | 5,009 |
| Total risk-based capital ratio | 12.6535% | 4,912 |
| Memoranda: | ||
| Average total assets | $87,818,000 | 4,528 |
| Average earning assets | $80,967,000 | 4,518 |
| Average equity | $7,251,330 | 4,972 |
| Average total loans | $69,831,670 | 4,023 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 1,928 |
| Cost of funding earning assets | 0.2424% | 4,603 |
| Net interest margin | 4.0688% | 1,303 |
| Noninterest income to average assets | 0.6513% | 2,170 |
| Noninterest expense to average assets | 3.6236% | 866 |
| Loan and lease loss provision to assets | 0.0245% | 3,258 |
| Net operating income to assets | 0.7835% | 3,291 |
| Return on assets (ROA) | 0.7835% | 3,348 |
| Pretax return on assets | 0.7835% | 4,170 |
| Return on Equity (ROE) | 9.8888% | 2,010 |
| Retained earnings to average equity (ytd only) | -12.9790% | 5,638 |
| Net charge-offs to loans | 0.0233% | 2,299 |
| Credit loss provision to net charge-offs | 125.0000% | 1,346 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 1,020 |
| Efficiency ratio | 81.7680% | 1,187 |
| Assets per employee ($millions) | 4.4719% | 3,210 |
| Cash dividends to net income (ytd only)* | 231.2500% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,438 |
| Loan loss allowance to noncurrent loans | 15,540.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 5,163 |
| Noncurrent loans to loans | 0.0074% | 5,226 |
| Net loans and leases to total assets | 83.2872% | 438 |
| Net loans and leases to deposits | 94.4081% | 1,073 |
| Net loans and leases to core deposits | 99.7812% | 1,520 |
| Total domestic deposits to total assets | 88.2204% | 1,581 |
| Equity capital to assets | 7.9297% | 5,551 |
| Core capital (leverage) ratio | 7.7879% | 5,637 |
| Tier 1 risk-based capital ratio | 10.7302% | 5,446 |
| Total risk-based capital ratio | 11.9796% | 5,364 |
| Memoranda: | ||
| Average total assets | $81,687,000 | 4,680 |
| Average earning assets | $75,895,000 | 4,656 |
| Average equity | $6,472,000 | 5,158 |
| Average total loans | $68,672,500 | 4,081 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,118 |
| Cost of funding earning assets | 0.2503% | 4,563 |
| Net interest margin | 4.0554% | 1,479 |
| Noninterest income to average assets | 0.7172% | 2,092 |
| Noninterest expense to average assets | 3.3849% | 1,393 |
| Loan and lease loss provision to assets | 0.0403% | 3,576 |
| Net operating income to assets | 1.0673% | 2,048 |
| Return on assets (ROA) | 1.0673% | 2,156 |
| Pretax return on assets | 1.0673% | 3,232 |
| Return on Equity (ROE) | 13.4116% | 903 |
| Retained earnings to average equity (ytd only) | 2.8969% | 3,837 |
| Net charge-offs to loans | -0.0058% | 4,833 |
| Credit loss provision to net charge-offs | -825.0000% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3462% | 2,084 |
| Assets per employee ($millions) | 4.6044% | 2,952 |
| Cash dividends to net income (ytd only)* | 78.4000% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,621 |
| Loan loss allowance to noncurrent loans | 9,700.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 5,196 |
| Noncurrent loans to loans | 0.0115% | 5,241 |
| Net loans and leases to total assets | 82.9523% | 484 |
| Net loans and leases to deposits | 102.3751% | 513 |
| Net loans and leases to core deposits | 103.0240% | 1,355 |
| Total domestic deposits to total assets | 81.0278% | 4,324 |
| Equity capital to assets | 7.9164% | 5,597 |
| Core capital (leverage) ratio | 7.9055% | 5,659 |
| Tier 1 risk-based capital ratio | 10.6900% | 5,491 |
| Total risk-based capital ratio | 11.9397% | 5,405 |
| Memoranda: | ||
| Average total assets | $81,981,400 | 4,694 |
| Average earning assets | $76,317,600 | 4,668 |
| Average equity | $6,524,200 | 5,180 |
| Average total loans | $68,761,800 | 4,073 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,250 |
| Cost of funding earning assets | 0.2467% | 4,635 |
| Net interest margin | 4.0263% | 1,582 |
| Noninterest income to average assets | 0.7176% | 2,093 |
| Noninterest expense to average assets | 3.3334% | 1,487 |
| Loan and lease loss provision to assets | 0.0457% | 3,330 |
| Net operating income to assets | 1.0910% | 2,037 |
| Return on assets (ROA) | 1.0910% | 2,140 |
| Pretax return on assets | 1.0910% | 3,268 |
| Return on Equity (ROE) | 13.6912% | 882 |
| Retained earnings to average equity (ytd only) | 2.5377% | 4,400 |
| Net charge-offs to loans | -0.0292% | 5,155 |
| Credit loss provision to net charge-offs | -186.6667% | 4,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5713% | 2,176 |
| Assets per employee ($millions) | 4.6173% | 2,896 |
| Cash dividends to net income (ytd only)* | 81.4648% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 3,744 |
| Loan loss allowance to noncurrent loans | 19,550.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 5,348 |
| Noncurrent loans to loans | 0.0057% | 5,395 |
| Net loans and leases to total assets | 83.2419% | 486 |
| Net loans and leases to deposits | 103.2458% | 489 |
| Net loans and leases to core deposits | 103.9017% | 1,348 |
| Total domestic deposits to total assets | 80.6249% | 4,350 |
| Equity capital to assets | 7.9916% | 5,740 |
| Core capital (leverage) ratio | 8.0085% | 5,685 |
| Tier 1 risk-based capital ratio | 10.4233% | 5,647 |
| Total risk-based capital ratio | 11.6739% | 5,578 |
| Memoranda: | ||
| Average total assets | $81,757,000 | 4,740 |
| Average earning assets | $76,197,500 | 4,708 |
| Average equity | $6,515,000 | 5,234 |
| Average total loans | $68,570,750 | 4,107 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 2,334 |
| Cost of funding earning assets | 0.2455% | 4,700 |
| Net interest margin | 4.0047% | 1,629 |
| Noninterest income to average assets | 0.6543% | 2,353 |
| Noninterest expense to average assets | 3.3897% | 1,393 |
| Loan and lease loss provision to assets | 0.0590% | 2,961 |
| Net operating income to assets | 0.9372% | 2,695 |
| Return on assets (ROA) | 0.9372% | 2,830 |
| Pretax return on assets | 0.9372% | 3,813 |
| Return on Equity (ROE) | 11.7726% | 1,392 |
| Retained earnings to average equity (ytd only) | -0.1236% | 5,311 |
| Net charge-offs to loans | -0.1116% | 5,659 |
| Credit loss provision to net charge-offs | -63.1579% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2855% | 1,887 |
| Assets per employee ($millions) | 4.5056% | 3,016 |
| Cash dividends to net income (ytd only)* | 101.0499% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 3,480 |
| Loan loss allowance to noncurrent loans | 13,350.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,601 |
| Noncurrent loans to loans | 0.0088% | 5,470 |
| Net loans and leases to total assets | 82.8915% | 528 |
| Net loans and leases to deposits | 94.0157% | 1,292 |
| Net loans and leases to core deposits | 94.6618% | 2,096 |
| Total domestic deposits to total assets | 88.1677% | 1,343 |
| Equity capital to assets | 8.0703% | 5,782 |
| Core capital (leverage) ratio | 7.8583% | 5,800 |
| Tier 1 risk-based capital ratio | 10.5330% | 5,660 |
| Total risk-based capital ratio | 11.7845% | 5,569 |
| Memoranda: | ||
| Average total assets | $81,305,330 | 4,788 |
| Average earning assets | $75,760,670 | 4,764 |
| Average equity | $6,472,670 | 5,289 |
| Average total loans | $68,105,670 | 4,144 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 2,280 |
| Cost of funding earning assets | 0.2690% | 4,515 |
| Net interest margin | 3.9873% | 1,652 |
| Noninterest income to average assets | 0.5896% | 2,593 |
| Noninterest expense to average assets | 3.3756% | 1,432 |
| Loan and lease loss provision to assets | 0.0491% | 2,946 |
| Net operating income to assets | 0.8795% | 2,857 |
| Return on assets (ROA) | 0.8795% | 2,972 |
| Pretax return on assets | 0.8795% | 3,933 |
| Return on Equity (ROE) | 11.1241% | 1,556 |
| Retained earnings to average equity (ytd only) | -1.6779% | 5,354 |
| Net charge-offs to loans | 0.0176% | 2,586 |
| Credit loss provision to net charge-offs | 333.3333% | 796 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 752 |
| Efficiency ratio | 78.4247% | 1,834 |
| Assets per employee ($millions) | 4.5166% | 3,037 |
| Cash dividends to net income (ytd only)* | 115.0838% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 4,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 82.7784% | 472 |
| Net loans and leases to deposits | 95.3783% | 997 |
| Net loans and leases to core deposits | 96.0412% | 1,789 |
| Total domestic deposits to total assets | 86.7895% | 2,306 |
| Equity capital to assets | 7.9251% | 5,849 |
| Core capital (leverage) ratio | 7.8303% | 5,840 |
| Tier 1 risk-based capital ratio | 10.4752% | 5,762 |
| Total risk-based capital ratio | 11.7052% | 5,685 |
| Memoranda: | ||
| Average total assets | $81,408,000 | 4,829 |
| Average earning assets | $75,841,500 | 4,800 |
| Average equity | $6,436,500 | 5,329 |
| Average total loans | $68,145,500 | 4,157 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 2,393 |
| Cost of funding earning assets | 0.3020% | 4,227 |
| Net interest margin | 3.9458% | 1,887 |
| Noninterest income to average assets | 0.6424% | 2,501 |
| Noninterest expense to average assets | 3.2796% | 1,762 |
| Loan and lease loss provision to assets | 0.0226% | 3,934 |
| Net operating income to assets | 0.9962% | 2,381 |
| Return on assets (ROA) | 1.0062% | 2,419 |
| Pretax return on assets | 1.0062% | 3,450 |
| Return on Equity (ROE) | 12.3495% | 1,221 |
| Retained earnings to average equity (ytd only) | -1.5090% | 5,711 |
| Net charge-offs to loans | 0.1351% | 2,006 |
| Credit loss provision to net charge-offs | 20.6897% | 3,742 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,833 |
| Efficiency ratio | 76.2989% | 2,225 |
| Assets per employee ($millions) | 4.2904% | 3,404 |
| Cash dividends to net income (ytd only)* | 112.2195% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 4,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 5,243 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.8146% | 506 |
| Net loans and leases to deposits | 100.9133% | 616 |
| Net loans and leases to core deposits | 101.7254% | 1,383 |
| Total domestic deposits to total assets | 82.0651% | 4,151 |
| Equity capital to assets | 7.8879% | 5,894 |
| Core capital (leverage) ratio | 7.9788% | 5,848 |
| Tier 1 risk-based capital ratio | 10.3903% | 5,823 |
| Total risk-based capital ratio | 11.5930% | 5,769 |
| Memoranda: | ||
| Average total assets | $79,705,600 | 4,883 |
| Average earning assets | $73,851,400 | 4,860 |
| Average equity | $6,494,200 | 5,345 |
| Average total loans | $64,376,800 | 4,246 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 2,401 |
| Cost of funding earning assets | 0.3091% | 4,236 |
| Net interest margin | 3.9407% | 1,893 |
| Noninterest income to average assets | 0.6241% | 2,613 |
| Noninterest expense to average assets | 3.2419% | 1,847 |
| Loan and lease loss provision to assets | 0.0236% | 3,807 |
| Net operating income to assets | 1.0044% | 2,446 |
| Return on assets (ROA) | 1.0178% | 2,481 |
| Pretax return on assets | 1.0178% | 3,547 |
| Return on Equity (ROE) | 12.3905% | 1,271 |
| Retained earnings to average equity (ytd only) | -0.9216% | 5,750 |
| Net charge-offs to loans | 0.0273% | 3,398 |
| Credit loss provision to net charge-offs | 107.6923% | 2,146 |
| Earnings coverage of net charge-offs (x) | 47.0081% | 1,101 |
| Efficiency ratio | 75.9259% | 2,259 |
| Assets per employee ($millions) | 4.1512% | 3,617 |
| Cash dividends to net income (ytd only)* | 107.4382% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 3,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.4918% | 641 |
| Net loans and leases to deposits | 91.1431% | 1,508 |
| Net loans and leases to core deposits | 91.9752% | 2,268 |
| Total domestic deposits to total assets | 89.4108% | 813 |
| Equity capital to assets | 8.1916% | 5,879 |
| Core capital (leverage) ratio | 8.0991% | 5,844 |
| Tier 1 risk-based capital ratio | 10.9589% | 5,676 |
| Total risk-based capital ratio | 12.2100% | 5,582 |
| Memoranda: | ||
| Average total assets | $79,252,750 | 4,942 |
| Average earning assets | $73,318,250 | 4,930 |
| Average equity | $6,510,250 | 5,412 |
| Average total loans | $63,409,250 | 4,323 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 2,635 |
| Cost of funding earning assets | 0.3157% | 4,209 |
| Net interest margin | 3.8595% | 2,107 |
| Noninterest income to average assets | 0.5896% | 2,803 |
| Noninterest expense to average assets | 3.2477% | 1,850 |
| Loan and lease loss provision to assets | 0.0227% | 3,678 |
| Net operating income to assets | 0.8919% | 2,927 |
| Return on assets (ROA) | 0.9121% | 2,940 |
| Pretax return on assets | 0.9121% | 3,910 |
| Return on Equity (ROE) | 11.0929% | 1,655 |
| Retained earnings to average equity (ytd only) | -1.1645% | 5,717 |
| Net charge-offs to loans | 0.0318% | 3,026 |
| Credit loss provision to net charge-offs | 90.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | 36.3000% | 1,205 |
| Efficiency ratio | 78.0266% | 2,068 |
| Assets per employee ($millions) | 4.2253% | 3,421 |
| Cash dividends to net income (ytd only)* | 110.4972% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 3,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 79.8879% | 815 |
| Net loans and leases to deposits | 89.1704% | 1,696 |
| Net loans and leases to core deposits | 90.2419% | 2,324 |
| Total domestic deposits to total assets | 89.5902% | 852 |
| Equity capital to assets | 8.0506% | 5,963 |
| Core capital (leverage) ratio | 8.0392% | 5,909 |
| Tier 1 risk-based capital ratio | 10.8368% | 5,788 |
| Total risk-based capital ratio | 12.0873% | 5,718 |
| Memoranda: | ||
| Average total assets | $79,379,330 | 4,992 |
| Average earning assets | $73,481,330 | 4,969 |
| Average equity | $6,526,670 | 5,446 |
| Average total loans | $62,851,000 | 4,375 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 2,506 |
| Cost of funding earning assets | 0.3129% | 4,300 |
| Net interest margin | 3.8753% | 1,979 |
| Noninterest income to average assets | 0.5220% | 3,140 |
| Noninterest expense to average assets | 3.0711% | 2,362 |
| Loan and lease loss provision to assets | 0.0253% | 3,371 |
| Net operating income to assets | 1.0034% | 2,255 |
| Return on assets (ROA) | 0.9629% | 2,565 |
| Pretax return on assets | 0.9629% | 3,636 |
| Return on Equity (ROE) | 11.5880% | 1,453 |
| Retained earnings to average equity (ytd only) | -0.6099% | 5,489 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9073% | 2,665 |
| Assets per employee ($millions) | 4.2114% | 3,546 |
| Cash dividends to net income (ytd only)* | 105.2632% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 3,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 75.7461% | 1,249 |
| Net loans and leases to deposits | 84.7003% | 1,987 |
| Net loans and leases to core deposits | 85.7234% | 2,583 |
| Total domestic deposits to total assets | 89.4284% | 1,028 |
| Equity capital to assets | 8.2184% | 5,926 |
| Core capital (leverage) ratio | 8.1055% | 5,876 |
| Tier 1 risk-based capital ratio | 11.4720% | 5,571 |
| Total risk-based capital ratio | 12.7246% | 5,483 |
| Memoranda: | ||
| Average total assets | $78,929,000 | 5,047 |
| Average earning assets | $72,872,000 | 5,030 |
| Average equity | $6,558,500 | 5,491 |
| Average total loans | $61,806,000 | 4,436 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 2,792 |
| Cost of funding earning assets | 0.3505% | 4,247 |
| Net interest margin | 3.8961% | 2,256 |
| Noninterest income to average assets | 0.5042% | 3,472 |
| Noninterest expense to average assets | 3.1519% | 2,354 |
| Loan and lease loss provision to assets | 0.0226% | 4,162 |
| Net operating income to assets | 0.9269% | 2,741 |
| Return on assets (ROA) | 0.9269% | 2,833 |
| Pretax return on assets | 0.9269% | 3,795 |
| Return on Equity (ROE) | 11.6129% | 1,520 |
| Retained earnings to average equity (ytd only) | 0.2514% | 5,668 |
| Net charge-offs to loans | 0.0049% | 4,851 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 252.3333% | 217 |
| Efficiency ratio | 76.8502% | 2,384 |
| Assets per employee ($millions) | 4.0969% | 3,726 |
| Cash dividends to net income (ytd only)* | 97.8349% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 3,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 78.8546% | 897 |
| Net loans and leases to deposits | 89.9726% | 1,519 |
| Net loans and leases to core deposits | 91.1754% | 2,169 |
| Total domestic deposits to total assets | 87.6429% | 1,961 |
| Equity capital to assets | 8.4029% | 5,825 |
| Core capital (leverage) ratio | 8.3821% | 5,684 |
| Tier 1 risk-based capital ratio | 10.5163% | 6,095 |
| Total risk-based capital ratio | 11.7666% | 6,037 |
| Memoranda: | ||
| Average total assets | $79,729,400 | 5,068 |
| Average earning assets | $73,611,200 | 5,047 |
| Average equity | $6,363,600 | 5,555 |
| Average total loans | $61,157,200 | 4,455 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 2,932 |
| Cost of funding earning assets | 0.3579% | 4,257 |
| Net interest margin | 3.8590% | 2,397 |
| Noninterest income to average assets | 0.4854% | 3,647 |
| Noninterest expense to average assets | 3.1936% | 2,195 |
| Loan and lease loss provision to assets | 0.0233% | 3,943 |
| Net operating income to assets | 0.8362% | 3,251 |
| Return on assets (ROA) | 0.8362% | 3,342 |
| Pretax return on assets | 0.8362% | 4,230 |
| Return on Equity (ROE) | 10.6128% | 1,943 |
| Retained earnings to average equity (ytd only) | -2.5319% | 6,113 |
| Net charge-offs to loans | 0.0088% | 4,413 |
| Credit loss provision to net charge-offs | 350.0000% | 802 |
| Earnings coverage of net charge-offs (x) | 129.3283% | 461 |
| Efficiency ratio | 78.7941% | 2,075 |
| Assets per employee ($millions) | 4.0278% | 3,819 |
| Cash dividends to net income (ytd only)* | 123.8575% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 3,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 78.2814% | 929 |
| Net loans and leases to deposits | 87.9422% | 1,680 |
| Net loans and leases to core deposits | 89.1170% | 2,311 |
| Total domestic deposits to total assets | 89.0146% | 1,228 |
| Equity capital to assets | 8.3864% | 5,882 |
| Core capital (leverage) ratio | 8.1003% | 6,006 |
| Tier 1 risk-based capital ratio | 10.5916% | 6,176 |
| Total risk-based capital ratio | 11.8427% | 6,123 |
| Memoranda: | ||
| Average total assets | $80,201,250 | 5,118 |
| Average earning assets | $74,145,000 | 5,093 |
| Average equity | $6,319,250 | 5,620 |
| Average total loans | $60,899,000 | 4,502 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,303 |
| Cost of funding earning assets | 0.3590% | 4,331 |
| Net interest margin | 3.7494% | 2,762 |
| Noninterest income to average assets | 0.4691% | 3,724 |
| Noninterest expense to average assets | 3.0163% | 2,777 |
| Loan and lease loss provision to assets | 0.0221% | 3,838 |
| Net operating income to assets | 0.8941% | 2,846 |
| Return on assets (ROA) | 0.8941% | 2,938 |
| Pretax return on assets | 0.8941% | 3,907 |
| Return on Equity (ROE) | 11.5807% | 1,553 |
| Retained earnings to average equity (ytd only) | -3.4360% | 6,132 |
| Net charge-offs to loans | -0.0033% | 5,110 |
| Credit loss provision to net charge-offs | -900.0000% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7021% | 2,508 |
| Assets per employee ($millions) | 4.2186% | 3,425 |
| Cash dividends to net income (ytd only)* | 129.6703% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 3,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 6,215 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 75.2399% | 1,274 |
| Net loans and leases to deposits | 83.9346% | 2,042 |
| Net loans and leases to core deposits | 85.1000% | 2,599 |
| Total domestic deposits to total assets | 89.6411% | 997 |
| Equity capital to assets | 7.8749% | 6,225 |
| Core capital (leverage) ratio | 7.7154% | 6,242 |
| Tier 1 risk-based capital ratio | 10.6648% | 6,192 |
| Total risk-based capital ratio | 11.9155% | 6,139 |
| Memoranda: | ||
| Average total assets | $81,425,330 | 5,125 |
| Average earning assets | $75,212,000 | 5,101 |
| Average equity | $6,286,330 | 5,657 |
| Average total loans | $60,961,670 | 4,521 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 3,336 |
| Cost of funding earning assets | 0.3595% | 4,439 |
| Net interest margin | 3.7274% | 2,760 |
| Noninterest income to average assets | 0.4533% | 3,760 |
| Noninterest expense to average assets | 2.9831% | 2,921 |
| Loan and lease loss provision to assets | 0.0244% | 3,515 |
| Net operating income to assets | 0.8823% | 2,730 |
| Return on assets (ROA) | 0.8823% | 2,799 |
| Pretax return on assets | 0.8823% | 3,766 |
| Return on Equity (ROE) | 11.5406% | 1,533 |
| Retained earnings to average equity (ytd only) | 1.9766% | 4,811 |
| Net charge-offs to loans | -0.0131% | 5,148 |
| Credit loss provision to net charge-offs | -250.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6917% | 2,693 |
| Assets per employee ($millions) | 4.3981% | 3,154 |
| Cash dividends to net income (ytd only)* | 82.8729% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 3,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 69.4916% | 1,986 |
| Net loans and leases to deposits | 77.1787% | 2,666 |
| Net loans and leases to core deposits | 78.2003% | 3,179 |
| Total domestic deposits to total assets | 90.0400% | 1,056 |
| Equity capital to assets | 7.5990% | 6,279 |
| Core capital (leverage) ratio | 7.7725% | 6,233 |
| Tier 1 risk-based capital ratio | 11.2200% | 6,062 |
| Total risk-based capital ratio | 12.4722% | 6,009 |
| Memoranda: | ||
| Average total assets | $82,061,500 | 5,159 |
| Average earning assets | $75,656,500 | 5,128 |
| Average equity | $6,273,500 | 5,695 |
| Average total loans | $60,887,500 | 4,552 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 2,979 |
| Cost of funding earning assets | 0.4786% | 3,829 |
| Net interest margin | 3.8167% | 2,592 |
| Noninterest income to average assets | 0.6418% | 2,853 |
| Noninterest expense to average assets | 2.8464% | 3,545 |
| Loan and lease loss provision to assets | 0.0735% | 3,648 |
| Net operating income to assets | 1.2480% | 1,401 |
| Return on assets (ROA) | 1.2480% | 1,455 |
| Pretax return on assets | 1.2480% | 2,374 |
| Return on Equity (ROE) | 16.2681% | 591 |
| Retained earnings to average equity (ytd only) | 3.2089% | 3,948 |
| Net charge-offs to loans | 0.0810% | 4,083 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 21.5800% | 1,488 |
| Efficiency ratio | 68.2927% | 4,144 |
| Assets per employee ($millions) | 4.2399% | 3,379 |
| Cash dividends to net income (ytd only)* | 80.2748% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 4,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 77.1013% | 944 |
| Net loans and leases to deposits | 85.7829% | 1,714 |
| Net loans and leases to core deposits | 86.9611% | 2,355 |
| Total domestic deposits to total assets | 89.8795% | 1,143 |
| Equity capital to assets | 7.6925% | 6,188 |
| Core capital (leverage) ratio | 7.9990% | 6,136 |
| Tier 1 risk-based capital ratio | 10.4342% | 6,390 |
| Total risk-based capital ratio | 11.6849% | 6,341 |
| Memoranda: | ||
| Average total assets | $81,647,800 | 5,208 |
| Average earning assets | $75,431,000 | 5,168 |
| Average equity | $6,263,800 | 5,753 |
| Average total loans | $61,744,400 | 4,554 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 3,236 |
| Cost of funding earning assets | 0.4957% | 3,806 |
| Net interest margin | 3.7441% | 2,869 |
| Noninterest income to average assets | 0.6348% | 2,956 |
| Noninterest expense to average assets | 2.7913% | 3,693 |
| Loan and lease loss provision to assets | 0.0895% | 3,269 |
| Net operating income to assets | 1.2207% | 1,562 |
| Return on assets (ROA) | 1.2207% | 1,638 |
| Pretax return on assets | 1.2207% | 2,617 |
| Return on Equity (ROE) | 15.9220% | 657 |
| Retained earnings to average equity (ytd only) | 4.1185% | 3,753 |
| Net charge-offs to loans | 0.0803% | 3,805 |
| Credit loss provision to net charge-offs | 148.6486% | 1,585 |
| Earnings coverage of net charge-offs (x) | 21.7578% | 1,533 |
| Efficiency ratio | 68.0556% | 4,093 |
| Assets per employee ($millions) | 4.0495% | 3,735 |
| Cash dividends to net income (ytd only)* | 74.1325% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,551 |
| Loan loss allowance to noncurrent loans | 388.8350% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 5,677 |
| Noncurrent loans to loans | 0.3260% | 5,405 |
| Net loans and leases to total assets | 77.0231% | 869 |
| Net loans and leases to deposits | 86.6559% | 1,534 |
| Net loans and leases to core deposits | 87.8507% | 2,212 |
| Total domestic deposits to total assets | 88.8838% | 1,623 |
| Equity capital to assets | 7.6639% | 6,321 |
| Core capital (leverage) ratio | 7.9219% | 6,266 |
| Tier 1 risk-based capital ratio | 10.2799% | 6,516 |
| Total risk-based capital ratio | 11.5296% | 6,486 |
| Memoranda: | ||
| Average total assets | $81,920,000 | 5,244 |
| Average earning assets | $75,850,000 | 5,205 |
| Average equity | $6,280,500 | 5,818 |
| Average total loans | $61,454,250 | 4,602 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 3,476 |
| Cost of funding earning assets | 0.5091% | 3,811 |
| Net interest margin | 3.6606% | 3,131 |
| Noninterest income to average assets | 0.6689% | 2,802 |
| Noninterest expense to average assets | 2.6924% | 4,056 |
| Loan and lease loss provision to assets | 0.0730% | 3,581 |
| Net operating income to assets | 1.2964% | 1,330 |
| Return on assets (ROA) | 1.2964% | 1,420 |
| Pretax return on assets | 1.2964% | 2,313 |
| Return on Equity (ROE) | 16.9072% | 563 |
| Retained earnings to average equity (ytd only) | 5.6780% | 2,626 |
| Net charge-offs to loans | 0.0756% | 3,634 |
| Credit loss provision to net charge-offs | 130.4348% | 1,738 |
| Earnings coverage of net charge-offs (x) | 24.4783% | 1,296 |
| Efficiency ratio | 66.2874% | 4,499 |
| Assets per employee ($millions) | 4.1125% | 3,552 |
| Cash dividends to net income (ytd only)* | 66.4165% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 4,508 |
| Loan loss allowance to noncurrent loans | 286.2319% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 5,305 |
| Noncurrent loans to loans | 0.4544% | 5,128 |
| Net loans and leases to total assets | 72.8827% | 1,426 |
| Net loans and leases to deposits | 81.5093% | 2,115 |
| Net loans and leases to core deposits | 82.6067% | 2,738 |
| Total domestic deposits to total assets | 89.4164% | 1,370 |
| Equity capital to assets | 7.4918% | 6,444 |
| Core capital (leverage) ratio | 7.7291% | 6,353 |
| Tier 1 risk-based capital ratio | 10.7500% | 6,430 |
| Total risk-based capital ratio | 12.0003% | 6,398 |
| Memoranda: | ||
| Average total assets | $82,230,000 | 5,269 |
| Average earning assets | $76,216,670 | 5,222 |
| Average equity | $6,305,000 | 5,852 |
| Average total loans | $60,878,330 | 4,650 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 3,289 |
| Cost of funding earning assets | 0.5260% | 3,831 |
| Net interest margin | 3.6766% | 2,965 |
| Noninterest income to average assets | 0.7443% | 2,358 |
| Noninterest expense to average assets | 2.7341% | 3,936 |
| Loan and lease loss provision to assets | 0.0730% | 3,411 |
| Net operating income to assets | 1.3379% | 1,184 |
| Return on assets (ROA) | 1.3379% | 1,279 |
| Pretax return on assets | 1.3379% | 2,083 |
| Return on Equity (ROE) | 17.2508% | 495 |
| Retained earnings to average equity (ytd only) | 10.9778% | 882 |
| Net charge-offs to loans | 0.0328% | 3,573 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 611 |
| Efficiency ratio | 65.9624% | 4,666 |
| Assets per employee ($millions) | 4.2392% | 3,456 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,496 |
| Loan loss allowance to noncurrent loans | 239.5770% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 5,120 |
| Noncurrent loans to loans | 0.5609% | 5,038 |
| Net loans and leases to total assets | 68.6730% | 1,895 |
| Net loans and leases to deposits | 76.8154% | 2,508 |
| Net loans and leases to core deposits | 77.8164% | 3,100 |
| Total domestic deposits to total assets | 89.4000% | 1,415 |
| Equity capital to assets | 7.5959% | 6,562 |
| Core capital (leverage) ratio | 7.7393% | 6,331 |
| Tier 1 risk-based capital ratio | 10.9569% | 6,426 |
| Total risk-based capital ratio | 12.2087% | 6,392 |
| Memoranda: | ||
| Average total assets | $82,220,000 | 5,313 |
| Average earning assets | $76,047,500 | 5,266 |
| Average equity | $6,376,500 | 5,892 |
| Average total loans | $60,949,500 | 4,675 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6447% | 2,826 |
| Cost of funding earning assets | 0.7113% | 3,401 |
| Net interest margin | 3.9334% | 2,676 |
| Noninterest income to average assets | 0.8273% | 2,144 |
| Noninterest expense to average assets | 2.9629% | 3,413 |
| Loan and lease loss provision to assets | 0.0816% | 4,677 |
| Net operating income to assets | 1.3998% | 1,103 |
| Return on assets (ROA) | 1.3998% | 1,213 |
| Pretax return on assets | 1.3998% | 2,042 |
| Return on Equity (ROE) | 18.2315% | 426 |
| Retained earnings to average equity (ytd only) | 6.7366% | 1,699 |
| Net charge-offs to loans | 0.0739% | 4,942 |
| Credit loss provision to net charge-offs | 138.2979% | 1,995 |
| Earnings coverage of net charge-offs (x) | 25.1064% | 1,148 |
| Efficiency ratio | 66.6667% | 4,384 |
| Assets per employee ($millions) | 3.9829% | 3,987 |
| Cash dividends to net income (ytd only)* | 63.0493% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 4,904 |
| Loan loss allowance to noncurrent loans | 144.4649% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 4,464 |
| Noncurrent loans to loans | 0.8619% | 4,458 |
| Net loans and leases to total assets | 77.9593% | 681 |
| Net loans and leases to deposits | 87.7143% | 1,310 |
| Net loans and leases to core deposits | 88.9379% | 1,977 |
| Total domestic deposits to total assets | 88.8786% | 1,653 |
| Equity capital to assets | 7.9252% | 6,444 |
| Core capital (leverage) ratio | 7.9359% | 6,253 |
| Tier 1 risk-based capital ratio | 10.1356% | 6,667 |
| Total risk-based capital ratio | 11.3861% | 6,632 |
| Memoranda: | ||
| Average total assets | $79,652,000 | 5,362 |
| Average earning assets | $73,244,000 | 5,335 |
| Average equity | $6,115,800 | 5,992 |
| Average total loans | $63,588,800 | 4,579 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 3,014 |
| Cost of funding earning assets | 0.7446% | 3,394 |
| Net interest margin | 3.9052% | 2,897 |
| Noninterest income to average assets | 0.8018% | 2,231 |
| Noninterest expense to average assets | 2.8892% | 3,644 |
| Loan and lease loss provision to assets | 0.0837% | 4,570 |
| Net operating income to assets | 1.4195% | 1,185 |
| Return on assets (ROA) | 1.4195% | 1,300 |
| Pretax return on assets | 1.4195% | 2,175 |
| Return on Equity (ROE) | 18.6374% | 427 |
| Retained earnings to average equity (ytd only) | 7.9341% | 1,642 |
| Net charge-offs to loans | 0.0711% | 4,705 |
| Credit loss provision to net charge-offs | 147.0588% | 1,931 |
| Earnings coverage of net charge-offs (x) | 26.4130% | 1,216 |
| Efficiency ratio | 65.7774% | 4,487 |
| Assets per employee ($millions) | 3.8760% | 4,140 |
| Cash dividends to net income (ytd only)* | 57.4294% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,159 |
| Loan loss allowance to noncurrent loans | 160.6996% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 4,163 |
| Noncurrent loans to loans | 0.7640% | 4,888 |
| Net loans and leases to total assets | 81.0513% | 428 |
| Net loans and leases to deposits | 90.2615% | 1,113 |
| Net loans and leases to core deposits | 91.9335% | 1,786 |
| Total domestic deposits to total assets | 89.7962% | 953 |
| Equity capital to assets | 8.1102% | 6,540 |
| Core capital (leverage) ratio | 7.8449% | 6,442 |
| Tier 1 risk-based capital ratio | 10.3018% | 6,729 |
| Total risk-based capital ratio | 11.5531% | 6,702 |
| Memoranda: | ||
| Average total assets | $79,650,750 | 5,412 |
| Average earning assets | $73,234,500 | 5,394 |
| Average equity | $6,066,500 | 6,073 |
| Average total loans | $63,765,250 | 4,628 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 3,429 |
| Cost of funding earning assets | 0.7752% | 3,402 |
| Net interest margin | 3.8107% | 3,311 |
| Noninterest income to average assets | 0.6969% | 2,693 |
| Noninterest expense to average assets | 2.8571% | 3,790 |
| Loan and lease loss provision to assets | 0.0871% | 4,495 |
| Net operating income to assets | 1.2519% | 1,563 |
| Return on assets (ROA) | 1.2519% | 1,729 |
| Pretax return on assets | 1.2519% | 2,722 |
| Return on Equity (ROE) | 16.7863% | 670 |
| Retained earnings to average equity (ytd only) | 7.5421% | 1,844 |
| Net charge-offs to loans | 0.1630% | 3,632 |
| Credit loss provision to net charge-offs | 67.3077% | 3,629 |
| Earnings coverage of net charge-offs (x) | 10.3462% | 2,061 |
| Efficiency ratio | 68.0902% | 4,100 |
| Assets per employee ($millions) | 4.0241% | 3,820 |
| Cash dividends to net income (ytd only)* | 55.0696% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,519 |
| Loan loss allowance to noncurrent loans | 201.6173% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 4,653 |
| Noncurrent loans to loans | 0.5765% | 5,359 |
| Net loans and leases to total assets | 79.0385% | 614 |
| Net loans and leases to deposits | 87.5316% | 1,420 |
| Net loans and leases to core deposits | 89.2060% | 2,073 |
| Total domestic deposits to total assets | 90.2971% | 766 |
| Equity capital to assets | 7.6453% | 6,737 |
| Core capital (leverage) ratio | 7.4177% | 6,658 |
| Tier 1 risk-based capital ratio | 9.9785% | 6,832 |
| Total risk-based capital ratio | 11.2059% | 6,821 |
| Memoranda: | ||
| Average total assets | $80,361,000 | 5,425 |
| Average earning assets | $73,792,000 | 5,402 |
| Average equity | $5,993,000 | 6,119 |
| Average total loans | $63,816,330 | 4,643 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 3,357 |
| Cost of funding earning assets | 0.8339% | 3,194 |
| Net interest margin | 3.7961% | 3,412 |
| Noninterest income to average assets | 0.7621% | 2,335 |
| Noninterest expense to average assets | 2.8792% | 3,707 |
| Loan and lease loss provision to assets | 0.0996% | 4,095 |
| Net operating income to assets | 1.2752% | 1,522 |
| Return on assets (ROA) | 1.2752% | 1,692 |
| Pretax return on assets | 1.2752% | 2,629 |
| Return on Equity (ROE) | 17.3178% | 626 |
| Retained earnings to average equity (ytd only) | -0.1353% | 6,013 |
| Net charge-offs to loans | 0.1133% | 3,444 |
| Credit loss provision to net charge-offs | 111.1111% | 2,113 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,424 |
| Efficiency ratio | 67.6815% | 4,238 |
| Assets per employee ($millions) | 4.1837% | 3,613 |
| Cash dividends to net income (ytd only)* | 100.7813% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 5,321 |
| Loan loss allowance to noncurrent loans | 300.7843% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 5,174 |
| Noncurrent loans to loans | 0.4121% | 5,848 |
| Net loans and leases to total assets | 73.0439% | 1,219 |
| Net loans and leases to deposits | 80.2790% | 2,168 |
| Net loans and leases to core deposits | 81.7424% | 2,867 |
| Total domestic deposits to total assets | 90.9875% | 565 |
| Equity capital to assets | 7.0716% | 6,917 |
| Core capital (leverage) ratio | 7.1382% | 6,786 |
| Tier 1 risk-based capital ratio | 9.9799% | 6,885 |
| Total risk-based capital ratio | 11.2297% | 6,880 |
| Memoranda: | ||
| Average total assets | $80,301,000 | 5,465 |
| Average earning assets | $73,866,000 | 5,440 |
| Average equity | $5,913,000 | 6,168 |
| Average total loans | $63,545,000 | 4,677 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 3,218 |
| Cost of funding earning assets | 1.0211% | 3,230 |
| Net interest margin | 3.9067% | 3,309 |
| Noninterest income to average assets | 0.7282% | 2,456 |
| Noninterest expense to average assets | 3.0408% | 3,431 |
| Loan and lease loss provision to assets | 0.1907% | 4,275 |
| Net operating income to assets | 1.0712% | 1,919 |
| Return on assets (ROA) | 1.0712% | 2,058 |
| Pretax return on assets | 1.0712% | 2,951 |
| Return on Equity (ROE) | 14.2468% | 875 |
| Retained earnings to average equity (ytd only) | 0.0851% | 5,794 |
| Net charge-offs to loans | 0.1409% | 5,019 |
| Credit loss provision to net charge-offs | 165.5556% | 1,639 |
| Earnings coverage of net charge-offs (x) | 10.9556% | 1,775 |
| Efficiency ratio | 70.6722% | 3,822 |
| Assets per employee ($millions) | 3.8465% | 4,213 |
| Cash dividends to net income (ytd only)* | 99.4026% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 5,515 |
| Loan loss allowance to noncurrent loans | 207.8804% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9970% | 4,613 |
| Noncurrent loans to loans | 0.5644% | 5,589 |
| Net loans and leases to total assets | 83.7656% | 219 |
| Net loans and leases to deposits | 92.9816% | 885 |
| Net loans and leases to core deposits | 94.8428% | 1,607 |
| Total domestic deposits to total assets | 90.0883% | 944 |
| Equity capital to assets | 7.6811% | 6,733 |
| Core capital (leverage) ratio | 7.4860% | 6,655 |
| Tier 1 risk-based capital ratio | 9.4155% | 6,976 |
| Total risk-based capital ratio | 10.6457% | 6,974 |
| Memoranda: | ||
| Average total assets | $78,138,600 | 5,501 |
| Average earning assets | $71,492,600 | 5,486 |
| Average equity | $5,875,000 | 6,191 |
| Average total loans | $63,872,800 | 4,717 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 3,498 |
| Cost of funding earning assets | 1.0412% | 3,380 |
| Net interest margin | 3.8714% | 3,515 |
| Noninterest income to average assets | 0.6646% | 2,803 |
| Noninterest expense to average assets | 3.0153% | 3,501 |
| Loan and lease loss provision to assets | 0.1768% | 4,264 |
| Net operating income to assets | 1.0182% | 2,257 |
| Return on assets (ROA) | 1.0182% | 2,413 |
| Pretax return on assets | 1.0182% | 3,341 |
| Return on Equity (ROE) | 13.6137% | 1,137 |
| Retained earnings to average equity (ytd only) | 0.1590% | 5,911 |
| Net charge-offs to loans | 0.0881% | 5,093 |
| Credit loss provision to net charge-offs | 247.6190% | 1,158 |
| Earnings coverage of net charge-offs (x) | 16.7377% | 1,385 |
| Efficiency ratio | 71.6189% | 3,634 |
| Assets per employee ($millions) | 3.8581% | 4,173 |
| Cash dividends to net income (ytd only)* | 98.8305% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,418 |
| Loan loss allowance to noncurrent loans | 93.4307% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.5111% | 3,843 |
| Noncurrent loans to loans | 1.2957% | 4,370 |
| Net loans and leases to total assets | 81.2224% | 413 |
| Net loans and leases to deposits | 90.2249% | 1,189 |
| Net loans and leases to core deposits | 92.0199% | 1,991 |
| Total domestic deposits to total assets | 90.0222% | 855 |
| Equity capital to assets | 7.6813% | 6,851 |
| Core capital (leverage) ratio | 7.5326% | 6,747 |
| Tier 1 risk-based capital ratio | 9.7646% | 7,015 |
| Total risk-based capital ratio | 11.0150% | 7,008 |
| Memoranda: | ||
| Average total assets | $78,441,000 | 5,541 |
| Average earning assets | $71,841,000 | 5,520 |
| Average equity | $5,866,500 | 6,234 |
| Average total loans | $63,539,750 | 4,775 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 3,649 |
| Cost of funding earning assets | 1.0636% | 3,519 |
| Net interest margin | 3.8308% | 3,642 |
| Noninterest income to average assets | 0.6035% | 3,115 |
| Noninterest expense to average assets | 2.9695% | 3,759 |
| Loan and lease loss provision to assets | 0.1877% | 4,037 |
| Net operating income to assets | 0.9535% | 2,423 |
| Return on assets (ROA) | 0.9535% | 2,516 |
| Pretax return on assets | 0.9535% | 3,415 |
| Return on Equity (ROE) | 12.8628% | 1,230 |
| Retained earnings to average equity (ytd only) | -0.5474% | 5,976 |
| Net charge-offs to loans | -0.0031% | 6,551 |
| Credit loss provision to net charge-offs | -7,400.0000% | 6,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2394% | 3,687 |
| Assets per employee ($millions) | 3.7711% | 4,269 |
| Cash dividends to net income (ytd only)* | 104.2553% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 5,478 |
| Loan loss allowance to noncurrent loans | 93.5329% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4837% | 3,979 |
| Noncurrent loans to loans | 1.3015% | 4,468 |
| Net loans and leases to total assets | 80.0298% | 525 |
| Net loans and leases to deposits | 88.5910% | 1,413 |
| Net loans and leases to core deposits | 90.2949% | 2,337 |
| Total domestic deposits to total assets | 90.3363% | 796 |
| Equity capital to assets | 7.4287% | 6,979 |
| Core capital (leverage) ratio | 7.2940% | 6,867 |
| Tier 1 risk-based capital ratio | 9.6091% | 7,083 |
| Total risk-based capital ratio | 10.8593% | 7,086 |
| Memoranda: | ||
| Average total assets | $78,867,670 | 5,579 |
| Average earning assets | $72,204,670 | 5,550 |
| Average equity | $5,846,330 | 6,273 |
| Average total loans | $63,573,000 | 4,812 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 3,634 |
| Cost of funding earning assets | 1.0895% | 3,591 |
| Net interest margin | 3.8020% | 3,608 |
| Noninterest income to average assets | 0.5743% | 3,344 |
| Noninterest expense to average assets | 3.0036% | 3,636 |
| Loan and lease loss provision to assets | 0.1525% | 4,118 |
| Net operating income to assets | 0.8945% | 2,594 |
| Return on assets (ROA) | 0.8945% | 2,652 |
| Pretax return on assets | 0.8945% | 3,515 |
| Return on Equity (ROE) | 12.0796% | 1,440 |
| Retained earnings to average equity (ytd only) | -5.0789% | 6,520 |
| Net charge-offs to loans | -0.0506% | 6,890 |
| Credit loss provision to net charge-offs | -375.0000% | 5,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1531% | 3,487 |
| Assets per employee ($millions) | 3.8324% | 4,231 |
| Cash dividends to net income (ytd only)* | 142.0455% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 5,597 |
| Loan loss allowance to noncurrent loans | 130.0699% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0711% | 4,781 |
| Noncurrent loans to loans | 0.9283% | 5,175 |
| Net loans and leases to total assets | 75.6340% | 1,086 |
| Net loans and leases to deposits | 83.4730% | 2,108 |
| Net loans and leases to core deposits | 85.0071% | 3,031 |
| Total domestic deposits to total assets | 90.6090% | 793 |
| Equity capital to assets | 7.1930% | 7,019 |
| Core capital (leverage) ratio | 7.2556% | 6,890 |
| Tier 1 risk-based capital ratio | 9.8935% | 7,040 |
| Total risk-based capital ratio | 11.1438% | 7,045 |
| Memoranda: | ||
| Average total assets | $78,705,000 | 5,626 |
| Average earning assets | $71,962,500 | 5,606 |
| Average equity | $5,828,000 | 6,301 |
| Average total loans | $63,280,000 | 4,858 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5091% | 2,241 |
| Cost of funding earning assets | 1.3113% | 3,808 |
| Net interest margin | 4.1977% | 2,198 |
| Noninterest income to average assets | 0.6297% | 3,288 |
| Noninterest expense to average assets | 3.0589% | 3,634 |
| Loan and lease loss provision to assets | 0.1762% | 5,468 |
| Net operating income to assets | 1.2516% | 1,290 |
| Return on assets (ROA) | 1.2516% | 1,361 |
| Pretax return on assets | 1.2516% | 2,076 |
| Return on Equity (ROE) | 16.4835% | 531 |
| Retained earnings to average equity (ytd only) | 0.1706% | 5,491 |
| Net charge-offs to loans | 0.2791% | 4,629 |
| Credit loss provision to net charge-offs | 73.1183% | 5,789 |
| Earnings coverage of net charge-offs (x) | 5.9247% | 2,494 |
| Efficiency ratio | 68.1779% | 4,528 |
| Assets per employee ($millions) | 3.6633% | 4,538 |
| Cash dividends to net income (ytd only)* | 98.9648% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 5,997 |
| Loan loss allowance to noncurrent loans | 122.7826% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 4,763 |
| Noncurrent loans to loans | 0.8854% | 5,291 |
| Net loans and leases to total assets | 83.5043% | 343 |
| Net loans and leases to deposits | 95.4347% | 916 |
| Net loans and leases to core deposits | 97.4810% | 1,845 |
| Total domestic deposits to total assets | 87.4989% | 2,547 |
| Equity capital to assets | 7.6265% | 6,797 |
| Core capital (leverage) ratio | 7.4108% | 6,776 |
| Tier 1 risk-based capital ratio | 9.4988% | 7,137 |
| Total risk-based capital ratio | 10.6451% | 7,166 |
| Memoranda: | ||
| Average total assets | $77,183,400 | 5,675 |
| Average earning assets | $70,919,600 | 5,636 |
| Average equity | $5,860,400 | 6,409 |
| Average total loans | $66,633,600 | 4,803 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5125% | 2,387 |
| Cost of funding earning assets | 1.3575% | 3,849 |
| Net interest margin | 4.1550% | 2,387 |
| Noninterest income to average assets | 0.5713% | 3,641 |
| Noninterest expense to average assets | 2.9014% | 4,085 |
| Loan and lease loss provision to assets | 0.1726% | 5,315 |
| Net operating income to assets | 1.3221% | 1,298 |
| Return on assets (ROA) | 1.3221% | 1,370 |
| Pretax return on assets | 1.3221% | 2,117 |
| Return on Equity (ROE) | 17.4322% | 540 |
| Retained earnings to average equity (ytd only) | 0.0227% | 5,770 |
| Net charge-offs to loans | 0.0716% | 5,796 |
| Credit loss provision to net charge-offs | 277.7778% | 1,172 |
| Earnings coverage of net charge-offs (x) | 24.0550% | 1,039 |
| Efficiency ratio | 65.9992% | 4,854 |
| Assets per employee ($millions) | 3.6781% | 4,551 |
| Cash dividends to net income (ytd only)* | 99.8688% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,289 |
| Loan loss allowance to noncurrent loans | 96.2441% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 2.2501% | 3,135 |
| Noncurrent loans to loans | 1.2878% | 4,704 |
| Net loans and leases to total assets | 84.5909% | 294 |
| Net loans and leases to deposits | 96.3787% | 937 |
| Net loans and leases to core deposits | 98.7964% | 1,957 |
| Total domestic deposits to total assets | 87.7693% | 2,115 |
| Equity capital to assets | 7.5673% | 7,083 |
| Core capital (leverage) ratio | 7.3966% | 6,944 |
| Tier 1 risk-based capital ratio | 9.3010% | 7,301 |
| Total risk-based capital ratio | 10.5512% | 7,309 |
| Memoranda: | ||
| Average total assets | $77,247,000 | 5,739 |
| Average earning assets | $71,109,250 | 5,697 |
| Average equity | $5,858,750 | 6,496 |
| Average total loans | $67,055,750 | 4,859 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4154% | 2,904 |
| Cost of funding earning assets | 1.3952% | 3,903 |
| Net interest margin | 4.0202% | 2,922 |
| Noninterest income to average assets | 0.5359% | 3,826 |
| Noninterest expense to average assets | 2.7133% | 4,857 |
| Loan and lease loss provision to assets | 0.1217% | 5,683 |
| Net operating income to assets | 1.4058% | 1,085 |
| Return on assets (ROA) | 1.4058% | 1,144 |
| Pretax return on assets | 1.4162% | 1,794 |
| Return on Equity (ROE) | 18.5219% | 424 |
| Retained earnings to average equity (ytd only) | -0.7504% | 5,915 |
| Net charge-offs to loans | 0.0950% | 5,195 |
| Credit loss provision to net charge-offs | 146.8750% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.5625% | 1,284 |
| Efficiency ratio | 63.8246% | 5,368 |
| Assets per employee ($millions) | 3.8941% | 3,992 |
| Cash dividends to net income (ytd only)* | 104.0516% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 5,729 |
| Loan loss allowance to noncurrent loans | 61.8284% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.0827% | 3,402 |
| Noncurrent loans to loans | 1.8475% | 3,937 |
| Net loans and leases to total assets | 85.6756% | 247 |
| Net loans and leases to deposits | 101.3596% | 634 |
| Net loans and leases to core deposits | 104.0692% | 1,628 |
| Total domestic deposits to total assets | 84.5264% | 3,855 |
| Equity capital to assets | 7.4729% | 7,130 |
| Core capital (leverage) ratio | 7.5619% | 6,769 |
| Tier 1 risk-based capital ratio | 9.1589% | 7,384 |
| Total risk-based capital ratio | 10.3726% | 7,392 |
| Memoranda: | ||
| Average total assets | $77,249,330 | 5,772 |
| Average earning assets | $71,388,670 | 5,726 |
| Average equity | $5,863,330 | 6,509 |
| Average total loans | $67,355,000 | 4,885 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5007% | 2,574 |
| Cost of funding earning assets | 1.4440% | 3,912 |
| Net interest margin | 4.0567% | 2,625 |
| Noninterest income to average assets | 0.4835% | 4,172 |
| Noninterest expense to average assets | 2.6412% | 5,178 |
| Loan and lease loss provision to assets | 0.1144% | 5,468 |
| Net operating income to assets | 1.4610% | 958 |
| Return on assets (ROA) | 1.4610% | 1,035 |
| Pretax return on assets | 1.4818% | 1,562 |
| Return on Equity (ROE) | 19.0994% | 430 |
| Retained earnings to average equity (ytd only) | 7.8845% | 1,755 |
| Net charge-offs to loans | 0.0357% | 5,082 |
| Credit loss provision to net charge-offs | 366.6667% | 1,109 |
| Earnings coverage of net charge-offs (x) | 51.1667% | 565 |
| Efficiency ratio | 62.3313% | 5,769 |
| Assets per employee ($millions) | 3.8069% | 4,292 |
| Cash dividends to net income (ytd only)* | 58.7189% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 5,679 |
| Loan loss allowance to noncurrent loans | 75.6863% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.7206% | 3,893 |
| Noncurrent loans to loans | 1.5411% | 4,439 |
| Net loans and leases to total assets | 85.9188% | 219 |
| Net loans and leases to deposits | 97.6883% | 939 |
| Net loans and leases to core deposits | 99.7423% | 2,158 |
| Total domestic deposits to total assets | 87.9520% | 2,091 |
| Equity capital to assets | 7.8122% | 6,838 |
| Core capital (leverage) ratio | 7.7190% | 6,601 |
| Tier 1 risk-based capital ratio | 9.4489% | 7,329 |
| Total risk-based capital ratio | 10.6736% | 7,340 |
| Memoranda: | ||
| Average total assets | $76,933,500 | 5,853 |
| Average earning assets | $71,191,000 | 5,808 |
| Average equity | $5,885,000 | 6,562 |
| Average total loans | $67,284,500 | 4,953 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 3,531 |
| Cost of funding earning assets | 2.0910% | 2,508 |
| Net interest margin | 3.5236% | 4,848 |
| Noninterest income to average assets | 0.6596% | 3,220 |
| Noninterest expense to average assets | 2.6914% | 5,431 |
| Loan and lease loss provision to assets | 0.3789% | 4,516 |
| Net operating income to assets | 0.8937% | 2,199 |
| Return on assets (ROA) | 1.2739% | 1,142 |
| Pretax return on assets | 1.2778% | 1,757 |
| Return on Equity (ROE) | 17.1788% | 445 |
| Retained earnings to average equity (ytd only) | 6.1739% | 1,286 |
| Net charge-offs to loans | 0.3104% | 4,691 |
| Credit loss provision to net charge-offs | 140.8654% | 3,447 |
| Earnings coverage of net charge-offs (x) | 4.7452% | 2,833 |
| Efficiency ratio | 67.8292% | 5,034 |
| Assets per employee ($millions) | 3.8865% | 4,057 |
| Cash dividends to net income (ytd only)* | 64.0609% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 5,868 |
| Loan loss allowance to noncurrent loans | 61.7143% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 3,457 |
| Noncurrent loans to loans | 1.7914% | 3,954 |
| Net loans and leases to total assets | 86.9999% | 222 |
| Net loans and leases to deposits | 102.8157% | 707 |
| Net loans and leases to core deposits | 128.1553% | 1,385 |
| Total domestic deposits to total assets | 84.6173% | 3,752 |
| Equity capital to assets | 7.4900% | 7,041 |
| Core capital (leverage) ratio | 7.4125% | 6,874 |
| Tier 1 risk-based capital ratio | 9.0949% | 7,430 |
| Total risk-based capital ratio | 10.2722% | 7,477 |
| Memoranda: | ||
| Average total assets | $77,321,400 | 5,798 |
| Average earning assets | $72,596,200 | 5,733 |
| Average equity | $5,733,800 | 6,702 |
| Average total loans | $67,019,400 | 4,979 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 3,875 |
| Cost of funding earning assets | 2.1980% | 2,424 |
| Net interest margin | 3.3997% | 5,266 |
| Noninterest income to average assets | 0.6717% | 3,207 |
| Noninterest expense to average assets | 2.6970% | 5,341 |
| Loan and lease loss provision to assets | 0.4127% | 3,847 |
| Net operating income to assets | 0.7563% | 2,999 |
| Return on assets (ROA) | 1.1707% | 1,596 |
| Pretax return on assets | 1.1758% | 2,336 |
| Return on Equity (ROE) | 15.8267% | 677 |
| Retained earnings to average equity (ytd only) | 6.4660% | 1,727 |
| Net charge-offs to loans | 0.2679% | 4,366 |
| Credit loss provision to net charge-offs | 178.3582% | 2,581 |
| Earnings coverage of net charge-offs (x) | 5.0747% | 2,932 |
| Efficiency ratio | 69.6699% | 4,653 |
| Assets per employee ($millions) | 3.8672% | 4,030 |
| Cash dividends to net income (ytd only)* | 59.1440% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 5,452 |
| Loan loss allowance to noncurrent loans | 258.6667% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 5,576 |
| Noncurrent loans to loans | 0.4420% | 6,443 |
| Net loans and leases to total assets | 86.7590% | 291 |
| Net loans and leases to deposits | 101.7329% | 945 |
| Net loans and leases to core deposits | 129.4531% | 1,469 |
| Total domestic deposits to total assets | 85.2812% | 3,084 |
| Equity capital to assets | 7.5185% | 7,281 |
| Core capital (leverage) ratio | 7.5050% | 6,963 |
| Tier 1 risk-based capital ratio | 9.0504% | 7,602 |
| Total risk-based capital ratio | 10.2668% | 7,629 |
| Memoranda: | ||
| Average total assets | $77,219,250 | 5,839 |
| Average earning assets | $72,670,250 | 5,765 |
| Average equity | $5,711,750 | 6,775 |
| Average total loans | $66,679,000 | 5,032 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0048% | 2,163 |
| Cost of funding earning assets | 2.2807% | 2,445 |
| Net interest margin | 3.7241% | 3,858 |
| Noninterest income to average assets | 0.3110% | 6,019 |
| Noninterest expense to average assets | 2.7003% | 5,386 |
| Loan and lease loss provision to assets | 0.6193% | 2,575 |
| Net operating income to assets | 0.4934% | 4,111 |
| Return on assets (ROA) | 1.1091% | 1,821 |
| Pretax return on assets | 1.1169% | 2,576 |
| Return on Equity (ROE) | 15.0775% | 820 |
| Retained earnings to average equity (ytd only) | 4.8262% | 2,617 |
| Net charge-offs to loans | 0.0362% | 5,953 |
| Credit loss provision to net charge-offs | 1,991.6667% | 268 |
| Earnings coverage of net charge-offs (x) | 35.8333% | 887 |
| Efficiency ratio | 70.7880% | 4,626 |
| Assets per employee ($millions) | 3.8097% | 4,074 |
| Cash dividends to net income (ytd only)* | 67.9907% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 4,038 |
| Loan loss allowance to noncurrent loans | 8,163.6364% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 6,299 |
| Noncurrent loans to loans | 0.0164% | 7,513 |
| Net loans and leases to total assets | 86.7719% | 317 |
| Net loans and leases to deposits | 95.4495% | 1,881 |
| Net loans and leases to core deposits | 119.5353% | 2,408 |
| Total domestic deposits to total assets | 90.9087% | 483 |
| Equity capital to assets | 7.4455% | 7,316 |
| Core capital (leverage) ratio | 7.2527% | 7,302 |
| Tier 1 risk-based capital ratio | 9.0688% | 7,661 |
| Total risk-based capital ratio | 10.2540% | 7,710 |
| Memoranda: | ||
| Average total assets | $77,178,000 | 5,889 |
| Average earning assets | $72,608,330 | 5,806 |
| Average equity | $5,677,330 | 6,843 |
| Average total loans | $66,279,330 | 5,094 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9688% | 2,486 |
| Cost of funding earning assets | 2.3623% | 2,455 |
| Net interest margin | 3.6065% | 4,291 |
| Noninterest income to average assets | 0.2626% | 6,354 |
| Noninterest expense to average assets | 2.5750% | 5,552 |
| Loan and lease loss provision to assets | 1.2308% | 1,054 |
| Net operating income to assets | -0.1576% | 6,492 |
| Return on assets (ROA) | 1.0609% | 2,235 |
| Pretax return on assets | 1.0763% | 3,076 |
| Return on Equity (ROE) | 14.5083% | 1,068 |
| Retained earnings to average equity (ytd only) | 8.5219% | 1,623 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5219% | 4,473 |
| Assets per employee ($millions) | 3.9012% | 3,867 |
| Cash dividends to net income (ytd only)* | 41.2621% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 3,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 6,211 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 82.1437% | 992 |
| Net loans and leases to deposits | 89.5626% | 3,000 |
| Net loans and leases to core deposits | 115.1328% | 2,895 |
| Total domestic deposits to total assets | 91.7165% | 222 |
| Equity capital to assets | 7.1915% | 7,568 |
| Core capital (leverage) ratio | 7.1121% | 7,547 |
| Tier 1 risk-based capital ratio | 9.4571% | 7,458 |
| Total risk-based capital ratio | 10.7102% | 7,411 |
| Memoranda: | ||
| Average total assets | $77,670,000 | 5,898 |
| Average earning assets | $72,979,500 | 5,817 |
| Average equity | $5,679,500 | 6,885 |
| Average total loans | $65,912,500 | 5,135 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4578% | 3,163 |
| Cost of funding earning assets | 3.0701% | 1,602 |
| Net interest margin | 3.3877% | 5,707 |
| Noninterest income to average assets | 0.4573% | 4,981 |
| Noninterest expense to average assets | 2.4491% | 6,210 |
| Loan and lease loss provision to assets | 0.0928% | 6,207 |
| Net operating income to assets | 1.1001% | 2,149 |
| Return on assets (ROA) | 1.1001% | 2,062 |
| Pretax return on assets | 1.1001% | 3,023 |
| Return on Equity (ROE) | 14.9757% | 931 |
| Retained earnings to average equity (ytd only) | 5.2909% | 1,863 |
| Net charge-offs to loans | 0.1122% | 5,148 |
| Credit loss provision to net charge-offs | 97.1831% | 5,473 |
| Earnings coverage of net charge-offs (x) | 12.4930% | 2,235 |
| Efficiency ratio | 67.2452% | 4,864 |
| Assets per employee ($millions) | 4.0693% | 3,372 |
| Cash dividends to net income (ytd only)* | 64.6699% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 6,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 4,913 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 85.5607% | 656 |
| Net loans and leases to deposits | 98.6019% | 2,037 |
| Net loans and leases to core deposits | 126.5263% | 2,125 |
| Total domestic deposits to total assets | 86.7739% | 2,051 |
| Equity capital to assets | 7.4343% | 7,442 |
| Core capital (leverage) ratio | 6.9822% | 7,708 |
| Tier 1 risk-based capital ratio | 9.1245% | 7,689 |
| Total risk-based capital ratio | 10.2405% | 7,787 |
| Memoranda: | ||
| Average total assets | $74,354,600 | 5,901 |
| Average earning assets | $69,900,400 | 5,824 |
| Average equity | $5,462,200 | 6,993 |
| Average total loans | $63,281,000 | 5,133 |