Home > Custer Federal State Bank > Performance and Condition Ratios
Custer Federal State 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 | 5.5494% | 1,992 |
| Cost of funding earning assets | 2.4038% | 1,029 |
| Net interest margin | 3.1456% | 3,118 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 2.4856% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.5439% | 3,483 |
| Return on assets (ROA) | 0.5439% | 3,498 |
| Pretax return on assets | 0.5629% | 3,623 |
| Return on Equity (ROE) | 5.1700% | 3,506 |
| Retained earnings to average equity (ytd only) | -0.6612% | 3,813 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 81.5353% | 842 |
| Assets per employee ($millions) | 6.9935% | 2,212 |
| Cash dividends to net income (ytd only)* | 112.7907% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,073 |
| Loan loss allowance to noncurrent loans | 1,640.0000% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,448 |
| Noncurrent loans to loans | 0.0628% | 3,360 |
| Net loans and leases to total assets | 56.3600% | 3,179 |
| Net loans and leases to deposits | 72.5438% | 2,696 |
| Net loans and leases to core deposits | 78.5749% | 2,774 |
| Total domestic deposits to total assets | 77.6900% | 3,848 |
| Equity capital to assets | 10.6178% | 1,862 |
| Core capital (leverage) ratio | 11.4255% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $126,491,000 | 3,570 |
| Average earning assets | $116,481,000 | 3,567 |
| Average equity | $13,309,500 | 3,502 |
| Average total loans | $72,321,500 | 3,547 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6909% | 1,772 |
| Cost of funding earning assets | 2.4289% | 1,293 |
| Net interest margin | 3.2620% | 2,585 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.5811% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.5687% | 3,310 |
| Return on assets (ROA) | 0.5687% | 3,333 |
| Pretax return on assets | 0.5842% | 3,494 |
| Return on Equity (ROE) | 5.2900% | 3,440 |
| Retained earnings to average equity (ytd only) | -0.1971% | 4,002 |
| Net charge-offs to loans | 0.0014% | 3,000 |
| Credit loss provision to net charge-offs | -300.0000% | 4,408 |
| Earnings coverage of net charge-offs (x) | 717.0000% | 185 |
| Efficiency ratio | 81.5444% | 946 |
| Assets per employee ($millions) | 6.6894% | 2,379 |
| Cash dividends to net income (ytd only)* | 103.7249% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,085 |
| 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 | 56.8100% | 3,203 |
| Net loans and leases to deposits | 73.3237% | 2,707 |
| Net loans and leases to core deposits | 80.8137% | 2,727 |
| Total domestic deposits to total assets | 77.4800% | 3,833 |
| Equity capital to assets | 10.4273% | 1,867 |
| Core capital (leverage) ratio | 11.4911% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $122,736,600 | 3,599 |
| Average earning assets | $112,232,600 | 3,594 |
| Average equity | $13,192,600 | 3,495 |
| Average total loans | $72,888,200 | 3,526 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6795% | 1,750 |
| Cost of funding earning assets | 2.3775% | 1,382 |
| Net interest margin | 3.3020% | 2,439 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 2.6371% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5513% | 3,354 |
| Return on assets (ROA) | 0.5513% | 3,373 |
| Pretax return on assets | 0.5645% | 3,535 |
| Return on Equity (ROE) | 5.0900% | 3,508 |
| Retained earnings to average equity (ytd only) | -0.4351% | 4,070 |
| Net charge-offs to loans | 0.0018% | 2,724 |
| Credit loss provision to net charge-offs | -600.0000% | 4,469 |
| Earnings coverage of net charge-offs (x) | 515.0000% | 235 |
| Efficiency ratio | 82.3691% | 924 |
| Assets per employee ($millions) | 6.4589% | 2,532 |
| Cash dividends to net income (ytd only)* | 108.5487% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,332 |
| Loan loss allowance to noncurrent loans | 768.0412% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 3,158 |
| Noncurrent loans to loans | 0.1277% | 3,040 |
| Net loans and leases to total assets | 61.2800% | 2,810 |
| Net loans and leases to deposits | 80.1424% | 2,168 |
| Net loans and leases to core deposits | 88.6134% | 2,244 |
| Total domestic deposits to total assets | 76.4600% | 3,883 |
| Equity capital to assets | 11.0544% | 1,707 |
| Core capital (leverage) ratio | 11.9988% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $121,646,000 | 3,615 |
| Average earning assets | $111,040,500 | 3,612 |
| Average equity | $13,177,500 | 3,509 |
| Average total loans | $72,871,500 | 3,535 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 1,718 |
| Cost of funding earning assets | 2.3180% | 1,408 |
| Net interest margin | 3.3135% | 2,374 |
| Noninterest income to average assets | 0.1800% | 3,804 |
| Noninterest expense to average assets | 2.6416% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5376% | 3,333 |
| Return on assets (ROA) | 0.5376% | 3,365 |
| Pretax return on assets | 0.5590% | 3,522 |
| Return on Equity (ROE) | 5.0000% | 3,513 |
| Retained earnings to average equity (ytd only) | -0.1073% | 3,931 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 82.5348% | 952 |
| Assets per employee ($millions) | 5.7484% | 3,014 |
| Cash dividends to net income (ytd only)* | 102.1472% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 3,335 |
| Loan loss allowance to noncurrent loans | 221.3855% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 2,064 |
| Noncurrent loans to loans | 0.4471% | 1,879 |
| Net loans and leases to total assets | 60.9000% | 2,873 |
| Net loans and leases to deposits | 79.7004% | 2,231 |
| Net loans and leases to core deposits | 86.8012% | 2,356 |
| Total domestic deposits to total assets | 76.4100% | 3,865 |
| Equity capital to assets | 10.8866% | 1,626 |
| Core capital (leverage) ratio | 11.8868% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $121,288,000 | 3,628 |
| Average earning assets | $110,698,000 | 3,631 |
| Average equity | $13,048,000 | 3,501 |
| Average total loans | $71,847,000 | 3,552 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4605% | 1,893 |
| Cost of funding earning assets | 2.2224% | 1,504 |
| Net interest margin | 3.2381% | 2,484 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.7572% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3685% | 3,686 |
| Return on assets (ROA) | 0.3685% | 3,708 |
| Pretax return on assets | 0.3850% | 3,786 |
| Return on Equity (ROE) | 3.4500% | 3,775 |
| Retained earnings to average equity (ytd only) | -3.3536% | 4,030 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 87.7487% | 688 |
| Assets per employee ($millions) | 5.8120% | 2,986 |
| Cash dividends to net income (ytd only)* | 197.3214% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,070 |
| Loan loss allowance to noncurrent loans | 114.3297% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 1,195 |
| Noncurrent loans to loans | 0.9149% | 948 |
| Net loans and leases to total assets | 57.5100% | 3,083 |
| Net loans and leases to deposits | 74.5167% | 2,551 |
| Net loans and leases to core deposits | 80.0135% | 2,729 |
| Total domestic deposits to total assets | 77.1800% | 3,887 |
| Equity capital to assets | 10.6275% | 1,672 |
| Core capital (leverage) ratio | 11.9908% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $121,573,500 | 3,644 |
| Average earning assets | $111,052,000 | 3,642 |
| Average equity | $13,001,000 | 3,511 |
| Average total loans | $70,644,000 | 3,569 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 1,898 |
| Cost of funding earning assets | 1.7605% | 1,323 |
| Net interest margin | 3.3198% | 2,579 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.5635% | 2,117 |
| Loan and lease loss provision to assets | -0.1400% | 4,542 |
| Net operating income to assets | 0.7571% | 3,023 |
| Return on assets (ROA) | 0.7571% | 3,001 |
| Pretax return on assets | 0.7881% | 3,238 |
| Return on Equity (ROE) | 7.2200% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.5361% | 3,432 |
| Net charge-offs to loans | -0.0258% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.7867% | 930 |
| Assets per employee ($millions) | 5.7665% | 3,012 |
| Cash dividends to net income (ytd only)* | 64.8707% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 2,985 |
| 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 | 57.4800% | 3,080 |
| Net loans and leases to deposits | 75.2310% | 2,526 |
| Net loans and leases to core deposits | 78.7097% | 2,787 |
| Total domestic deposits to total assets | 76.4000% | 3,903 |
| Equity capital to assets | 10.7609% | 1,599 |
| Core capital (leverage) ratio | 11.9101% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $122,566,200 | 3,628 |
| Average earning assets | $111,902,800 | 3,628 |
| Average equity | $12,854,200 | 3,440 |
| Average total loans | $69,650,200 | 3,555 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 1,921 |
| Cost of funding earning assets | 1.6484% | 1,281 |
| Net interest margin | 3.3111% | 2,654 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.5889% | 1,981 |
| Loan and lease loss provision to assets | -0.1800% | 4,583 |
| Net operating income to assets | 0.7679% | 3,115 |
| Return on assets (ROA) | 0.7679% | 3,113 |
| Pretax return on assets | 0.7993% | 3,337 |
| Return on Equity (ROE) | 7.3700% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.1225% | 3,484 |
| Net charge-offs to loans | -0.0345% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.8057% | 818 |
| Assets per employee ($millions) | 5.8235% | 2,905 |
| Cash dividends to net income (ytd only)* | 57.6271% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,107 |
| 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 | 58.8900% | 2,948 |
| Net loans and leases to deposits | 78.6220% | 2,185 |
| Net loans and leases to core deposits | 81.3886% | 2,509 |
| Total domestic deposits to total assets | 74.9100% | 4,094 |
| Equity capital to assets | 10.4446% | 1,576 |
| Core capital (leverage) ratio | 11.9197% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $122,933,750 | 3,635 |
| Average earning assets | $112,426,250 | 3,634 |
| Average equity | $12,810,000 | 3,440 |
| Average total loans | $69,474,000 | 3,567 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8054% | 1,981 |
| Cost of funding earning assets | 1.4913% | 1,258 |
| Net interest margin | 3.3141% | 2,715 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.5271% | 2,126 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.6659% | 3,419 |
| Return on assets (ROA) | 0.6659% | 3,422 |
| Pretax return on assets | 0.6919% | 3,619 |
| Return on Equity (ROE) | 6.4000% | 3,597 |
| Retained earnings to average equity (ytd only) | 2.0277% | 3,718 |
| Net charge-offs to loans | -0.0527% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.3068% | 887 |
| Assets per employee ($millions) | 5.5319% | 3,121 |
| Cash dividends to net income (ytd only)* | 68.2927% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 1,945 |
| 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 | 57.3200% | 3,020 |
| Net loans and leases to deposits | 73.0318% | 2,577 |
| Net loans and leases to core deposits | 75.2795% | 2,806 |
| Total domestic deposits to total assets | 78.4900% | 3,785 |
| Equity capital to assets | 10.5134% | 1,592 |
| Core capital (leverage) ratio | 11.6365% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $123,147,333 | 3,645 |
| Average earning assets | $112,789,333 | 3,647 |
| Average equity | $12,822,333 | 3,455 |
| Average total loans | $68,368,667 | 3,593 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 1,943 |
| Cost of funding earning assets | 1.3085% | 1,212 |
| Net interest margin | 3.3542% | 2,741 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.5737% | 2,033 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 0.6878% | 3,500 |
| Return on assets (ROA) | 0.6878% | 3,449 |
| Pretax return on assets | 0.7137% | 3,630 |
| Return on Equity (ROE) | 6.6400% | 3,605 |
| Retained earnings to average equity (ytd only) | 2.2125% | 3,665 |
| Net charge-offs to loans | -0.1250% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.8597% | 843 |
| Assets per employee ($millions) | 5.9098% | 2,834 |
| Cash dividends to net income (ytd only)* | 66.6667% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 1,731 |
| Loan loss allowance to noncurrent loans | 2,552.7778% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,492 |
| Noncurrent loans to loans | 0.0537% | 3,352 |
| Net loans and leases to total assets | 53.2600% | 3,260 |
| Net loans and leases to deposits | 66.7984% | 2,863 |
| Net loans and leases to core deposits | 68.2806% | 3,071 |
| Total domestic deposits to total assets | 79.7300% | 3,800 |
| Equity capital to assets | 10.3719% | 1,630 |
| Core capital (leverage) ratio | 11.5201% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $123,870,000 | 3,682 |
| Average earning assets | $113,410,000 | 3,686 |
| Average equity | $12,836,000 | 3,493 |
| Average total loans | $67,215,000 | 3,652 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 2,228 |
| Cost of funding earning assets | 0.9042% | 250 |
| Net interest margin | 2.9121% | 3,652 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.3556% | 2,567 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 0.6380% | 3,783 |
| Return on assets (ROA) | 0.6380% | 3,735 |
| Pretax return on assets | 0.6619% | 3,923 |
| Return on Equity (ROE) | 6.2900% | 3,773 |
| Retained earnings to average equity (ytd only) | 2.8243% | 3,773 |
| Net charge-offs to loans | -0.1852% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.6070% | 618 |
| Assets per employee ($millions) | 5.8874% | 2,861 |
| Cash dividends to net income (ytd only)* | 55.0725% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 1,647 |
| Loan loss allowance to noncurrent loans | 2,622.8571% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,530 |
| Noncurrent loans to loans | 0.0519% | 3,386 |
| Net loans and leases to total assets | 53.7800% | 3,220 |
| Net loans and leases to deposits | 67.3473% | 2,782 |
| Net loans and leases to core deposits | 68.5596% | 2,975 |
| Total domestic deposits to total assets | 79.8600% | 3,899 |
| Equity capital to assets | 10.3531% | 1,532 |
| Core capital (leverage) ratio | 11.2215% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $129,774,000 | 3,633 |
| Average earning assets | $119,329,800 | 3,632 |
| Average equity | $13,171,600 | 3,558 |
| Average total loans | $67,503,200 | 3,617 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6328% | 2,251 |
| Cost of funding earning assets | 0.8362% | 135 |
| Net interest margin | 2.7966% | 3,745 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.3405% | 2,512 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 0.6194% | 3,787 |
| Return on assets (ROA) | 0.6194% | 3,743 |
| Pretax return on assets | 0.6427% | 3,911 |
| Return on Equity (ROE) | 6.1300% | 3,776 |
| Retained earnings to average equity (ytd only) | 3.5985% | 3,586 |
| Net charge-offs to loans | -0.2468% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.2731% | 592 |
| Assets per employee ($millions) | 5.8268% | 2,908 |
| Cash dividends to net income (ytd only)* | 41.3115% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,015 |
| 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 | 54.2400% | 3,077 |
| Net loans and leases to deposits | 69.3299% | 2,430 |
| Net loans and leases to core deposits | 70.5612% | 2,603 |
| Total domestic deposits to total assets | 78.2400% | 4,241 |
| Equity capital to assets | 10.0086% | 1,620 |
| Core capital (leverage) ratio | 10.9752% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $131,308,750 | 3,648 |
| Average earning assets | $120,857,750 | 3,635 |
| Average equity | $13,264,500 | 3,588 |
| Average total loans | $67,525,500 | 3,632 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3022% | 2,736 |
| Cost of funding earning assets | 0.8001% | 101 |
| Net interest margin | 2.5021% | 4,084 |
| Noninterest income to average assets | 0.2720% | 3,540 |
| Noninterest expense to average assets | 2.3287% | 2,464 |
| Loan and lease loss provision to assets | -0.2206% | 4,689 |
| Net operating income to assets | 0.4473% | 4,007 |
| Return on assets (ROA) | 0.4473% | 3,961 |
| Pretax return on assets | 0.4654% | 4,052 |
| Return on Equity (ROE) | 4.4148% | 3,927 |
| Retained earnings to average equity (ytd only) | 1.9986% | 3,753 |
| Net charge-offs to loans | -0.3035% | 4,649 |
| Credit loss provision to net charge-offs | 144.5545% | 1,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4874% | 384 |
| Assets per employee ($millions) | 5.5774% | 3,145 |
| Cash dividends to net income (ytd only)* | 54.7297% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 1,956 |
| 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 | 52.2946% | 3,124 |
| Net loans and leases to deposits | 64.3905% | 2,682 |
| Net loans and leases to core deposits | 65.3070% | 2,872 |
| Total domestic deposits to total assets | 81.2147% | 4,101 |
| Equity capital to assets | 9.8183% | 1,812 |
| Core capital (leverage) ratio | 10.6654% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,348,333 | 3,676 |
| Average earning assets | $121,738,333 | 3,673 |
| Average equity | $13,409,333 | 3,644 |
| Average total loans | $66,551,000 | 3,686 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2663% | 2,486 |
| Cost of funding earning assets | 0.8020% | 87 |
| Net interest margin | 2.4643% | 3,967 |
| Noninterest income to average assets | 0.3006% | 3,313 |
| Noninterest expense to average assets | 2.2950% | 2,519 |
| Loan and lease loss provision to assets | -0.2113% | 4,692 |
| Net operating income to assets | 0.4673% | 3,798 |
| Return on assets (ROA) | 0.4673% | 3,761 |
| Pretax return on assets | 0.4852% | 3,889 |
| Return on Equity (ROE) | 4.5453% | 3,743 |
| Retained earnings to average equity (ytd only) | 2.8372% | 3,323 |
| Net charge-offs to loans | -0.1580% | 4,556 |
| Credit loss provision to net charge-offs | 273.0769% | 697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3395% | 579 |
| Assets per employee ($millions) | 6.1656% | 2,653 |
| Cash dividends to net income (ytd only)* | 37.5796% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 47.4190% | 3,447 |
| Net loans and leases to deposits | 58.5796% | 3,026 |
| Net loans and leases to core deposits | 59.3712% | 3,198 |
| Total domestic deposits to total assets | 80.9479% | 4,202 |
| Equity capital to assets | 9.9326% | 1,946 |
| Core capital (leverage) ratio | 10.5057% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,382,000 | 3,676 |
| Average earning assets | $123,686,500 | 3,674 |
| Average equity | $13,816,500 | 3,675 |
| Average total loans | $65,825,500 | 3,700 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 1,329 |
| Cost of funding earning assets | 1.0102% | 73 |
| Net interest margin | 3.0027% | 3,185 |
| Noninterest income to average assets | 0.8327% | 1,368 |
| Noninterest expense to average assets | 2.7213% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8279% | 3,245 |
| Return on assets (ROA) | 0.8279% | 3,321 |
| Pretax return on assets | 0.8566% | 3,604 |
| Return on Equity (ROE) | 7.3847% | 3,409 |
| Retained earnings to average equity (ytd only) | 2.4805% | 3,833 |
| Net charge-offs to loans | 0.1485% | 643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 2,196 |
| Efficiency ratio | 76.0579% | 1,102 |
| Assets per employee ($millions) | 5.7878% | 2,970 |
| Cash dividends to net income (ytd only)* | 66.4100% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,731 |
| Loan loss allowance to noncurrent loans | 1,375.7143% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,618 |
| Noncurrent loans to loans | 0.1054% | 3,399 |
| Net loans and leases to total assets | 49.1654% | 3,385 |
| Net loans and leases to deposits | 61.4291% | 2,940 |
| Net loans and leases to core deposits | 62.2867% | 3,134 |
| Total domestic deposits to total assets | 80.0361% | 4,218 |
| Equity capital to assets | 10.6370% | 2,057 |
| Core capital (leverage) ratio | 10.5323% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,492,600 | 3,740 |
| Average earning assets | $114,729,000 | 3,752 |
| Average equity | $14,069,600 | 3,739 |
| Average total loans | $67,355,200 | 3,704 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 944 |
| Cost of funding earning assets | 1.0464% | 74 |
| Net interest margin | 3.2575% | 2,556 |
| Noninterest income to average assets | 0.9213% | 1,212 |
| Noninterest expense to average assets | 2.8374% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0217% | 2,830 |
| Return on assets (ROA) | 1.0217% | 2,897 |
| Pretax return on assets | 1.0562% | 3,308 |
| Return on Equity (ROE) | 8.9886% | 3,111 |
| Retained earnings to average equity (ytd only) | 4.1953% | 3,516 |
| Net charge-offs to loans | 0.1992% | 422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 9.6931% | 2,068 |
| Efficiency ratio | 72.8734% | 1,326 |
| Assets per employee ($millions) | 5.5507% | 3,142 |
| Cash dividends to net income (ytd only)* | 53.3263% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,827 |
| Loan loss allowance to noncurrent loans | 1,023.4043% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 2,075 |
| Noncurrent loans to loans | 0.1415% | 3,402 |
| Net loans and leases to total assets | 51.2944% | 3,270 |
| Net loans and leases to deposits | 65.5913% | 2,668 |
| Net loans and leases to core deposits | 66.5714% | 2,906 |
| Total domestic deposits to total assets | 78.2031% | 4,400 |
| Equity capital to assets | 11.2897% | 1,821 |
| Core capital (leverage) ratio | 11.1242% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,585,750 | 3,800 |
| Average earning assets | $112,764,000 | 3,820 |
| Average equity | $14,047,000 | 3,785 |
| Average total loans | $67,591,000 | 3,750 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 1,291 |
| Cost of funding earning assets | 1.0880% | 71 |
| Net interest margin | 3.0415% | 3,208 |
| Noninterest income to average assets | 1.2174% | 784 |
| Noninterest expense to average assets | 2.8717% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0865% | 2,587 |
| Return on assets (ROA) | 1.0865% | 2,660 |
| Pretax return on assets | 1.1176% | 3,155 |
| Return on Equity (ROE) | 9.5368% | 2,934 |
| Retained earnings to average equity (ytd only) | 5.4578% | 3,013 |
| Net charge-offs to loans | 0.3472% | 247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 5.7881% | 1,979 |
| Efficiency ratio | 71.9852% | 1,438 |
| Assets per employee ($millions) | 5.2689% | 3,389 |
| Cash dividends to net income (ytd only)* | 42.7711% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 2,144 |
| Loan loss allowance to noncurrent loans | 1,005.3191% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 2,213 |
| Noncurrent loans to loans | 0.1355% | 3,514 |
| Net loans and leases to total assets | 54.0987% | 3,120 |
| Net loans and leases to deposits | 69.3870% | 2,483 |
| Net loans and leases to core deposits | 70.6861% | 2,716 |
| Total domestic deposits to total assets | 77.9667% | 4,436 |
| Equity capital to assets | 11.2855% | 1,761 |
| Core capital (leverage) ratio | 11.1044% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,226,000 | 3,830 |
| Average earning assets | $111,394,000 | 3,850 |
| Average equity | $13,925,000 | 3,802 |
| Average total loans | $67,972,333 | 3,763 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 2,190 |
| Cost of funding earning assets | 1.1477% | 71 |
| Net interest margin | 2.6217% | 4,109 |
| Noninterest income to average assets | 1.7051% | 489 |
| Noninterest expense to average assets | 3.1904% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8692% | 3,210 |
| Return on assets (ROA) | 0.8692% | 3,294 |
| Pretax return on assets | 0.8958% | 3,609 |
| Return on Equity (ROE) | 7.5916% | 3,451 |
| Retained earnings to average equity (ytd only) | 3.4904% | 3,636 |
| Net charge-offs to loans | -0.0059% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0766% | 947 |
| Assets per employee ($millions) | 5.2201% | 3,411 |
| Cash dividends to net income (ytd only)* | 54.0230% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 1,374 |
| Loan loss allowance to noncurrent loans | 61.0442% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3913% | 483 |
| Noncurrent loans to loans | 2.5693% | 353 |
| Net loans and leases to total assets | 53.3006% | 3,310 |
| Net loans and leases to deposits | 68.1596% | 2,684 |
| Net loans and leases to core deposits | 69.3049% | 2,930 |
| Total domestic deposits to total assets | 78.1996% | 4,417 |
| Equity capital to assets | 11.0040% | 1,856 |
| Core capital (leverage) ratio | 11.5642% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,112,000 | 3,858 |
| Average earning assets | $109,091,500 | 3,879 |
| Average equity | $13,752,000 | 3,819 |
| Average total loans | $67,281,000 | 3,789 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 1,445 |
| Cost of funding earning assets | 1.4474% | 104 |
| Net interest margin | 2.9996% | 3,884 |
| Noninterest income to average assets | 0.8387% | 1,422 |
| Noninterest expense to average assets | 2.9303% | 1,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6107% | 3,713 |
| Return on assets (ROA) | 0.6107% | 3,833 |
| Pretax return on assets | 0.6352% | 4,002 |
| Return on Equity (ROE) | 5.1767% | 3,856 |
| Retained earnings to average equity (ytd only) | 3.1845% | 3,239 |
| Net charge-offs to loans | 0.1588% | 1,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 6.4336% | 2,784 |
| Efficiency ratio | 82.1857% | 739 |
| Assets per employee ($millions) | 4.7893% | 3,617 |
| Cash dividends to net income (ytd only)* | 38.4835% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 1,316 |
| Loan loss allowance to noncurrent loans | 60.7082% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.5234% | 473 |
| Noncurrent loans to loans | 2.6243% | 374 |
| Net loans and leases to total assets | 57.1236% | 3,187 |
| Net loans and leases to deposits | 74.8396% | 2,393 |
| Net loans and leases to core deposits | 76.4980% | 2,675 |
| Total domestic deposits to total assets | 76.3281% | 4,484 |
| Equity capital to assets | 11.9347% | 1,607 |
| Core capital (leverage) ratio | 11.8181% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,457,400 | 3,816 |
| Average earning assets | $104,047,200 | 3,848 |
| Average equity | $13,502,800 | 3,813 |
| Average total loans | $71,138,800 | 3,710 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 1,832 |
| Cost of funding earning assets | 1.4870% | 128 |
| Net interest margin | 2.9215% | 4,141 |
| Noninterest income to average assets | 0.7965% | 1,510 |
| Noninterest expense to average assets | 2.9176% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5178% | 3,984 |
| Return on assets (ROA) | 0.5178% | 4,083 |
| Pretax return on assets | 0.5387% | 4,211 |
| Return on Equity (ROE) | 4.4017% | 4,064 |
| Retained earnings to average equity (ytd only) | 1.7349% | 4,017 |
| Net charge-offs to loans | 0.2104% | 727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.0526% | 2,857 |
| Efficiency ratio | 84.4130% | 579 |
| Assets per employee ($millions) | 4.7712% | 3,512 |
| Cash dividends to net income (ytd only)* | 60.5856% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,484 |
| Loan loss allowance to noncurrent loans | 48.9175% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.8959% | 372 |
| Noncurrent loans to loans | 2.9971% | 308 |
| Net loans and leases to total assets | 62.3313% | 2,965 |
| Net loans and leases to deposits | 82.3517% | 2,063 |
| Net loans and leases to core deposits | 84.4775% | 2,430 |
| Total domestic deposits to total assets | 75.6892% | 4,451 |
| Equity capital to assets | 11.8026% | 1,799 |
| Core capital (leverage) ratio | 11.7677% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,336,250 | 3,811 |
| Average earning assets | $104,097,750 | 3,845 |
| Average equity | $13,449,000 | 3,824 |
| Average total loans | $72,243,000 | 3,699 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 2,079 |
| Cost of funding earning assets | 1.5208% | 156 |
| Net interest margin | 2.9281% | 4,264 |
| Noninterest income to average assets | 1.0396% | 919 |
| Noninterest expense to average assets | 2.9664% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7105% | 3,360 |
| Return on assets (ROA) | 0.7105% | 3,470 |
| Pretax return on assets | 0.7385% | 3,773 |
| Return on Equity (ROE) | 6.0475% | 3,492 |
| Retained earnings to average equity (ytd only) | 2.0407% | 3,736 |
| Net charge-offs to loans | 0.3990% | 398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.9306% | 2,723 |
| Efficiency ratio | 80.0661% | 891 |
| Assets per employee ($millions) | 4.7868% | 3,426 |
| Cash dividends to net income (ytd only)* | 66.2562% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,529 |
| Loan loss allowance to noncurrent loans | 45.9279% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.9559% | 375 |
| Noncurrent loans to loans | 3.0852% | 302 |
| Net loans and leases to total assets | 62.4989% | 3,071 |
| Net loans and leases to deposits | 82.4378% | 2,159 |
| Net loans and leases to core deposits | 85.8533% | 2,450 |
| Total domestic deposits to total assets | 75.8134% | 4,446 |
| Equity capital to assets | 11.6876% | 1,838 |
| Core capital (leverage) ratio | 11.7303% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,278,667 | 3,797 |
| Average earning assets | $104,027,000 | 3,840 |
| Average equity | $13,427,000 | 3,828 |
| Average total loans | $72,178,333 | 3,713 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 1,972 |
| Cost of funding earning assets | 1.5827% | 202 |
| Net interest margin | 3.0265% | 4,237 |
| Noninterest income to average assets | 1.4845% | 402 |
| Noninterest expense to average assets | 2.9585% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2283% | 1,436 |
| Return on assets (ROA) | 1.2283% | 1,540 |
| Pretax return on assets | 1.2775% | 1,938 |
| Return on Equity (ROE) | 10.4268% | 1,603 |
| Retained earnings to average equity (ytd only) | 8.1329% | 1,195 |
| Net charge-offs to loans | 0.8072% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.5103% | 2,281 |
| Efficiency ratio | 69.8426% | 2,379 |
| Assets per employee ($millions) | 4.4715% | 3,303 |
| Cash dividends to net income (ytd only)* | 22.0000% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,465 |
| Loan loss allowance to noncurrent loans | 91.1583% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 1,300 |
| Noncurrent loans to loans | 1.6080% | 964 |
| Net loans and leases to total assets | 61.9977% | 3,298 |
| Net loans and leases to deposits | 83.1356% | 2,318 |
| Net loans and leases to core deposits | 86.7366% | 2,620 |
| Total domestic deposits to total assets | 74.5742% | 4,615 |
| Equity capital to assets | 12.1498% | 1,960 |
| Core capital (leverage) ratio | 11.8915% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,977,000 | 3,790 |
| Average earning assets | $103,618,000 | 3,826 |
| Average equity | $13,427,000 | 3,840 |
| Average total loans | $71,851,500 | 3,730 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 1,789 |
| Cost of funding earning assets | 1.5886% | 314 |
| Net interest margin | 3.2994% | 3,989 |
| Noninterest income to average assets | 0.4071% | 3,255 |
| Noninterest expense to average assets | 2.8228% | 2,529 |
| Loan and lease loss provision to assets | 0.2692% | 670 |
| Net operating income to assets | 0.3486% | 4,681 |
| Return on assets (ROA) | 0.3486% | 4,712 |
| Pretax return on assets | 0.3410% | 4,776 |
| Return on Equity (ROE) | 3.1540% | 4,638 |
| Retained earnings to average equity (ytd only) | -3.9785% | 4,950 |
| Net charge-offs to loans | 0.9577% | 166 |
| Credit loss provision to net charge-offs | 42.0366% | 3,190 |
| Earnings coverage of net charge-offs (x) | 0.9530% | 3,580 |
| Efficiency ratio | 82.2255% | 787 |
| Assets per employee ($millions) | 4.8403% | 2,787 |
| Cash dividends to net income (ytd only)* | 226.1391% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 968 |
| Loan loss allowance to noncurrent loans | 89.5659% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1303% | 1,062 |
| Noncurrent loans to loans | 1.7897% | 754 |
| Net loans and leases to total assets | 62.1438% | 3,385 |
| Net loans and leases to deposits | 81.7878% | 2,581 |
| Net loans and leases to core deposits | 87.1123% | 2,697 |
| Total domestic deposits to total assets | 75.9818% | 4,600 |
| Equity capital to assets | 11.4250% | 2,595 |
| Core capital (leverage) ratio | 11.3528% | 2,213 |
| Tier 1 risk-based capital ratio | 18.8469% | 1,557 |
| Total risk-based capital ratio | 20.1008% | 1,524 |
| Memoranda: | ||
| Average total assets | $119,631,000 | 3,710 |
| Average earning assets | $109,716,800 | 3,715 |
| Average equity | $13,221,200 | 3,868 |
| Average total loans | $79,983,000 | 3,605 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 1,771 |
| Cost of funding earning assets | 1.5763% | 325 |
| Net interest margin | 3.3394% | 4,015 |
| Noninterest income to average assets | 0.4426% | 3,063 |
| Noninterest expense to average assets | 2.8371% | 2,448 |
| Loan and lease loss provision to assets | 0.3563% | 371 |
| Net operating income to assets | 0.3308% | 4,806 |
| Return on assets (ROA) | 0.3308% | 4,830 |
| Pretax return on assets | 0.3154% | 4,887 |
| Return on Equity (ROE) | 3.0182% | 4,760 |
| Retained earnings to average equity (ytd only) | -4.8755% | 5,062 |
| Net charge-offs to loans | 1.2576% | 112 |
| Credit loss provision to net charge-offs | 41.8182% | 2,845 |
| Earnings coverage of net charge-offs (x) | 0.7883% | 3,342 |
| Efficiency ratio | 80.8578% | 847 |
| Assets per employee ($millions) | 4.6432% | 2,981 |
| Cash dividends to net income (ytd only)* | 261.5361% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,212 |
| Loan loss allowance to noncurrent loans | 98.2397% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 1,300 |
| Noncurrent loans to loans | 1.5395% | 973 |
| Net loans and leases to total assets | 65.7495% | 3,080 |
| Net loans and leases to deposits | 87.4430% | 2,005 |
| Net loans and leases to core deposits | 93.1949% | 2,243 |
| Total domestic deposits to total assets | 75.1912% | 4,731 |
| Equity capital to assets | 11.4964% | 2,659 |
| Core capital (leverage) ratio | 11.3258% | 2,360 |
| Tier 1 risk-based capital ratio | 17.9002% | 1,850 |
| Total risk-based capital ratio | 19.1533% | 1,791 |
| Memoranda: | ||
| Average total assets | $120,497,250 | 3,731 |
| Average earning assets | $110,634,750 | 3,740 |
| Average equity | $13,208,500 | 3,906 |
| Average total loans | $81,637,250 | 3,609 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 1,923 |
| Cost of funding earning assets | 1.5465% | 323 |
| Net interest margin | 3.2961% | 4,156 |
| Noninterest income to average assets | 0.2410% | 4,309 |
| Noninterest expense to average assets | 2.8286% | 2,489 |
| Loan and lease loss provision to assets | 0.5280% | 218 |
| Net operating income to assets | -0.0410% | 5,116 |
| Return on assets (ROA) | -0.0410% | 5,120 |
| Pretax return on assets | -0.0820% | 5,126 |
| Return on Equity (ROE) | -0.3799% | 5,122 |
| Retained earnings to average equity (ytd only) | -12.2616% | 5,194 |
| Net charge-offs to loans | 1.8622% | 58 |
| Credit loss provision to net charge-offs | 41.6559% | 2,524 |
| Earnings coverage of net charge-offs (x) | 0.3519% | 3,091 |
| Efficiency ratio | 86.3796% | 523 |
| Assets per employee ($millions) | 4.7560% | 2,798 |
| Cash dividends to net income (ytd only)* | -3,128.0000% | 5,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,366 |
| Loan loss allowance to noncurrent loans | 140.5048% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 1,961 |
| Noncurrent loans to loans | 1.0451% | 1,565 |
| Net loans and leases to total assets | 65.9753% | 3,111 |
| Net loans and leases to deposits | 86.7801% | 2,162 |
| Net loans and leases to core deposits | 92.2729% | 2,387 |
| Total domestic deposits to total assets | 76.0259% | 4,662 |
| Equity capital to assets | 10.9496% | 3,123 |
| Core capital (leverage) ratio | 10.8716% | 2,721 |
| Tier 1 risk-based capital ratio | 17.3215% | 1,991 |
| Total risk-based capital ratio | 18.5751% | 1,946 |
| Memoranda: | ||
| Average total assets | $121,969,670 | 3,730 |
| Average earning assets | $112,254,000 | 3,733 |
| Average equity | $13,163,000 | 3,912 |
| Average total loans | $83,018,330 | 3,595 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 2,659 |
| Cost of funding earning assets | 1.5066% | 319 |
| Net interest margin | 3.0554% | 4,658 |
| Noninterest income to average assets | 0.2461% | 4,248 |
| Noninterest expense to average assets | 2.7691% | 2,680 |
| Loan and lease loss provision to assets | 1.0429% | 81 |
| Net operating income to assets | -0.6445% | 5,263 |
| Return on assets (ROA) | -0.6445% | 5,259 |
| Pretax return on assets | -0.7546% | 5,264 |
| Return on Equity (ROE) | -6.0144% | 5,269 |
| Retained earnings to average equity (ytd only) | -29.6487% | 5,301 |
| Net charge-offs to loans | 3.6732% | 29 |
| Credit loss provision to net charge-offs | 41.3882% | 2,021 |
| Earnings coverage of net charge-offs (x) | 0.1144% | 2,676 |
| Efficiency ratio | 90.5720% | 374 |
| Assets per employee ($millions) | 4.4824% | 3,218 |
| Cash dividends to net income (ytd only)* | -392.9648% | 5,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 1,587 |
| Loan loss allowance to noncurrent loans | 83.3214% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 1,178 |
| Noncurrent loans to loans | 1.7106% | 899 |
| Net loans and leases to total assets | 66.5174% | 2,972 |
| Net loans and leases to deposits | 86.7750% | 2,026 |
| Net loans and leases to core deposits | 92.3718% | 2,266 |
| Total domestic deposits to total assets | 76.6550% | 4,689 |
| Equity capital to assets | 10.5442% | 3,308 |
| Core capital (leverage) ratio | 10.4501% | 3,110 |
| Tier 1 risk-based capital ratio | 16.5946% | 2,233 |
| Total risk-based capital ratio | 17.8470% | 2,186 |
| Memoranda: | ||
| Average total assets | $123,505,000 | 3,740 |
| Average earning assets | $113,633,500 | 3,750 |
| Average equity | $13,235,000 | 3,914 |
| Average total loans | $84,721,000 | 3,598 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 649 |
| Cost of funding earning assets | 1.4116% | 132 |
| Net interest margin | 3.8291% | 2,564 |
| Noninterest income to average assets | 0.4425% | 3,152 |
| Noninterest expense to average assets | 2.5935% | 3,357 |
| Loan and lease loss provision to assets | 0.2325% | 767 |
| Net operating income to assets | 1.1508% | 2,379 |
| Return on assets (ROA) | 1.1508% | 2,384 |
| Pretax return on assets | 1.1446% | 3,121 |
| Return on Equity (ROE) | 11.0961% | 2,045 |
| Retained earnings to average equity (ytd only) | 5.2650% | 2,618 |
| Net charge-offs to loans | 0.1614% | 1,195 |
| Credit loss provision to net charge-offs | 192.9487% | 1,486 |
| Earnings coverage of net charge-offs (x) | 11.4295% | 2,626 |
| Efficiency ratio | 65.3180% | 2,985 |
| Assets per employee ($millions) | 4.6661% | 2,930 |
| Cash dividends to net income (ytd only)* | 52.5503% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 628 |
| Loan loss allowance to noncurrent loans | 150.5576% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8541% | 1,636 |
| Noncurrent loans to loans | 1.2258% | 1,298 |
| Net loans and leases to total assets | 68.3854% | 2,825 |
| Net loans and leases to deposits | 89.5453% | 1,856 |
| Net loans and leases to core deposits | 95.0928% | 2,127 |
| Total domestic deposits to total assets | 76.3696% | 4,710 |
| Equity capital to assets | 10.8814% | 2,808 |
| Core capital (leverage) ratio | 10.8180% | 2,716 |
| Tier 1 risk-based capital ratio | 16.1430% | 2,360 |
| Total risk-based capital ratio | 17.3999% | 2,303 |
| Memoranda: | ||
| Average total assets | $129,479,600 | 3,652 |
| Average earning assets | $119,297,400 | 3,657 |
| Average equity | $13,428,200 | 3,825 |
| Average total loans | $96,667,600 | 3,359 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2632% | 555 |
| Cost of funding earning assets | 1.3842% | 106 |
| Net interest margin | 3.8789% | 2,377 |
| Noninterest income to average assets | 0.5186% | 2,751 |
| Noninterest expense to average assets | 2.5653% | 3,398 |
| Loan and lease loss provision to assets | 0.3079% | 469 |
| Net operating income to assets | 1.2448% | 2,064 |
| Return on assets (ROA) | 1.2448% | 2,072 |
| Pretax return on assets | 1.2254% | 2,895 |
| Return on Equity (ROE) | 12.1473% | 1,739 |
| Retained earnings to average equity (ytd only) | 6.3481% | 2,457 |
| Net charge-offs to loans | 0.2184% | 780 |
| Credit loss provision to net charge-offs | 185.8025% | 1,469 |
| Earnings coverage of net charge-offs (x) | 9.2533% | 2,654 |
| Efficiency ratio | 62.5905% | 3,409 |
| Assets per employee ($millions) | 4.7920% | 2,732 |
| Cash dividends to net income (ytd only)* | 47.7404% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 750 |
| Loan loss allowance to noncurrent loans | 135.9730% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 1,609 |
| Noncurrent loans to loans | 1.3106% | 1,276 |
| Net loans and leases to total assets | 68.7525% | 2,828 |
| Net loans and leases to deposits | 89.2405% | 1,989 |
| Net loans and leases to core deposits | 94.4621% | 2,248 |
| Total domestic deposits to total assets | 77.0418% | 4,637 |
| Equity capital to assets | 10.5068% | 3,134 |
| Core capital (leverage) ratio | 10.8032% | 2,789 |
| Tier 1 risk-based capital ratio | 15.5723% | 2,615 |
| Total risk-based capital ratio | 16.8287% | 2,550 |
| Memoranda: | ||
| Average total assets | $130,353,000 | 3,675 |
| Average earning assets | $120,304,750 | 3,675 |
| Average equity | $13,358,000 | 3,869 |
| Average total loans | $98,890,500 | 3,343 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 533 |
| Cost of funding earning assets | 1.3684% | 82 |
| Net interest margin | 3.8560% | 2,359 |
| Noninterest income to average assets | 0.5556% | 2,549 |
| Noninterest expense to average assets | 2.5957% | 3,341 |
| Loan and lease loss provision to assets | 0.3413% | 390 |
| Net operating income to assets | 1.2198% | 2,102 |
| Return on assets (ROA) | 1.2198% | 2,100 |
| Pretax return on assets | 1.1724% | 3,041 |
| Return on Equity (ROE) | 12.0036% | 1,720 |
| Retained earnings to average equity (ytd only) | 4.6087% | 3,283 |
| Net charge-offs to loans | 0.2656% | 604 |
| Credit loss provision to net charge-offs | 165.1852% | 1,482 |
| Earnings coverage of net charge-offs (x) | 7.3259% | 2,556 |
| Efficiency ratio | 63.1657% | 3,441 |
| Assets per employee ($millions) | 4.7332% | 2,777 |
| Cash dividends to net income (ytd only)* | 61.6060% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 956 |
| Loan loss allowance to noncurrent loans | 55.0352% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.2223% | 437 |
| Noncurrent loans to loans | 3.0337% | 372 |
| Net loans and leases to total assets | 72.0312% | 2,269 |
| Net loans and leases to deposits | 93.6345% | 1,397 |
| Net loans and leases to core deposits | 98.6486% | 1,840 |
| Total domestic deposits to total assets | 76.9281% | 4,745 |
| Equity capital to assets | 10.4197% | 3,189 |
| Core capital (leverage) ratio | 10.2928% | 3,243 |
| Tier 1 risk-based capital ratio | 14.8496% | 2,948 |
| Total risk-based capital ratio | 16.1105% | 2,864 |
| Memoranda: | ||
| Average total assets | $130,676,330 | 3,700 |
| Average earning assets | $120,437,000 | 3,701 |
| Average equity | $13,279,330 | 3,899 |
| Average total loans | $101,664,670 | 3,309 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5833% | 240 |
| Cost of funding earning assets | 1.3342% | 73 |
| Net interest margin | 4.2491% | 1,053 |
| Noninterest income to average assets | 0.8265% | 1,372 |
| Noninterest expense to average assets | 2.6492% | 3,195 |
| Loan and lease loss provision to assets | 0.3785% | 310 |
| Net operating income to assets | 1.8438% | 518 |
| Return on assets (ROA) | 1.8438% | 519 |
| Pretax return on assets | 1.7136% | 1,083 |
| Return on Equity (ROE) | 18.3697% | 373 |
| Retained earnings to average equity (ytd only) | 12.3671% | 617 |
| Net charge-offs to loans | 0.1590% | 887 |
| Credit loss provision to net charge-offs | 297.6190% | 829 |
| Earnings coverage of net charge-offs (x) | 16.4524% | 1,621 |
| Efficiency ratio | 55.8748% | 4,599 |
| Assets per employee ($millions) | 5.0519% | 2,426 |
| Cash dividends to net income (ytd only)* | 32.6765% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,363 |
| Loan loss allowance to noncurrent loans | 109.3333% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 1,434 |
| Noncurrent loans to loans | 1.3962% | 1,275 |
| Net loans and leases to total assets | 76.5183% | 1,455 |
| Net loans and leases to deposits | 98.7988% | 804 |
| Net loans and leases to core deposits | 105.6812% | 1,263 |
| Total domestic deposits to total assets | 77.4486% | 4,810 |
| Equity capital to assets | 10.2452% | 3,343 |
| Core capital (leverage) ratio | 10.2018% | 3,301 |
| Tier 1 risk-based capital ratio | 13.6323% | 3,582 |
| Total risk-based capital ratio | 14.8912% | 3,490 |
| Memoranda: | ||
| Average total assets | $132,116,500 | 3,712 |
| Average earning assets | $121,720,000 | 3,721 |
| Average equity | $13,261,000 | 3,935 |
| Average total loans | $105,689,000 | 3,267 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 491 |
| Cost of funding earning assets | 1.3552% | 39 |
| Net interest margin | 3.7885% | 2,469 |
| Noninterest income to average assets | 0.3019% | 4,295 |
| Noninterest expense to average assets | 2.3670% | 4,162 |
| Loan and lease loss provision to assets | 0.3325% | 501 |
| Net operating income to assets | 1.0830% | 1,922 |
| Return on assets (ROA) | 1.0830% | 1,943 |
| Pretax return on assets | 1.0914% | 3,224 |
| Return on Equity (ROE) | 11.8322% | 1,259 |
| Retained earnings to average equity (ytd only) | 6.0706% | 1,501 |
| Net charge-offs to loans | 0.1608% | 1,518 |
| Credit loss provision to net charge-offs | 245.7627% | 1,122 |
| Earnings coverage of net charge-offs (x) | 10.5254% | 2,664 |
| Efficiency ratio | 62.4395% | 3,869 |
| Assets per employee ($millions) | 5.1109% | 2,351 |
| Cash dividends to net income (ytd only)* | 48.6944% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 1,972 |
| Loan loss allowance to noncurrent loans | 245.8333% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 2,425 |
| Noncurrent loans to loans | 0.5489% | 2,855 |
| Net loans and leases to total assets | 81.1527% | 812 |
| Net loans and leases to deposits | 104.0796% | 488 |
| Net loans and leases to core deposits | 114.8543% | 760 |
| Total domestic deposits to total assets | 77.9718% | 4,725 |
| Equity capital to assets | 9.8319% | 3,888 |
| Core capital (leverage) ratio | 9.7427% | 3,753 |
| Tier 1 risk-based capital ratio | 12.1002% | 4,464 |
| Total risk-based capital ratio | 13.3556% | 4,354 |
| Memoranda: | ||
| Average total assets | $130,842,000 | 3,737 |
| Average earning assets | $120,496,800 | 3,738 |
| Average equity | $11,975,800 | 4,142 |
| Average total loans | $110,058,400 | 3,181 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1018% | 502 |
| Cost of funding earning assets | 1.3462% | 36 |
| Net interest margin | 3.7556% | 2,557 |
| Noninterest income to average assets | 0.3253% | 4,213 |
| Noninterest expense to average assets | 2.3764% | 4,075 |
| Loan and lease loss provision to assets | 0.3857% | 362 |
| Net operating income to assets | 1.0261% | 2,437 |
| Return on assets (ROA) | 1.0261% | 2,482 |
| Pretax return on assets | 1.0251% | 3,586 |
| Return on Equity (ROE) | 11.4265% | 1,517 |
| Retained earnings to average equity (ytd only) | 6.0038% | 2,237 |
| Net charge-offs to loans | 0.1742% | 1,202 |
| Credit loss provision to net charge-offs | 261.8056% | 1,095 |
| Earnings coverage of net charge-offs (x) | 9.5761% | 2,678 |
| Efficiency ratio | 62.7499% | 3,769 |
| Assets per employee ($millions) | 5.5131% | 1,912 |
| Cash dividends to net income (ytd only)* | 47.4576% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 2,457 |
| Loan loss allowance to noncurrent loans | 238.0952% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 2,501 |
| Noncurrent loans to loans | 0.5380% | 3,089 |
| Net loans and leases to total assets | 84.4621% | 391 |
| Net loans and leases to deposits | 108.4062% | 328 |
| Net loans and leases to core deposits | 120.7181% | 566 |
| Total domestic deposits to total assets | 77.9126% | 4,744 |
| Equity capital to assets | 9.7427% | 4,204 |
| Core capital (leverage) ratio | 9.7197% | 3,913 |
| Tier 1 risk-based capital ratio | 11.5193% | 4,953 |
| Total risk-based capital ratio | 12.7733% | 4,838 |
| Memoranda: | ||
| Average total assets | $130,331,500 | 3,780 |
| Average earning assets | $120,138,000 | 3,788 |
| Average equity | $11,703,500 | 4,232 |
| Average total loans | $110,244,500 | 3,202 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9927% | 568 |
| Cost of funding earning assets | 1.3285% | 34 |
| Net interest margin | 3.6642% | 2,774 |
| Noninterest income to average assets | 0.3439% | 4,088 |
| Noninterest expense to average assets | 2.3552% | 4,194 |
| Loan and lease loss provision to assets | 0.4766% | 250 |
| Net operating income to assets | 0.8576% | 3,128 |
| Return on assets (ROA) | 0.8576% | 3,177 |
| Pretax return on assets | 0.8899% | 3,962 |
| Return on Equity (ROE) | 9.8340% | 2,113 |
| Retained earnings to average equity (ytd only) | 3.3075% | 3,746 |
| Net charge-offs to loans | 0.1300% | 1,384 |
| Credit loss provision to net charge-offs | 435.2113% | 740 |
| Earnings coverage of net charge-offs (x) | 12.4789% | 2,192 |
| Efficiency ratio | 63.2822% | 3,790 |
| Assets per employee ($millions) | 4.9204% | 2,484 |
| Cash dividends to net income (ytd only)* | 66.3669% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,411 |
| Loan loss allowance to noncurrent loans | 125.3230% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 1,653 |
| Noncurrent loans to loans | 1.0374% | 1,896 |
| Net loans and leases to total assets | 83.1473% | 532 |
| Net loans and leases to deposits | 105.5659% | 411 |
| Net loans and leases to core deposits | 118.6513% | 610 |
| Total domestic deposits to total assets | 78.7634% | 4,674 |
| Equity capital to assets | 8.9551% | 4,945 |
| Core capital (leverage) ratio | 8.9373% | 4,792 |
| Tier 1 risk-based capital ratio | 10.7414% | 5,366 |
| Total risk-based capital ratio | 11.9946% | 5,291 |
| Memoranda: | ||
| Average total assets | $129,670,330 | 3,806 |
| Average earning assets | $119,535,330 | 3,816 |
| Average equity | $11,307,670 | 4,308 |
| Average total loans | $109,257,330 | 3,234 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 528 |
| Cost of funding earning assets | 1.2879% | 37 |
| Net interest margin | 3.7140% | 2,443 |
| Noninterest income to average assets | 0.2530% | 4,729 |
| Noninterest expense to average assets | 2.3860% | 4,157 |
| Loan and lease loss provision to assets | 0.1999% | 825 |
| Net operating income to assets | 1.0462% | 2,086 |
| Return on assets (ROA) | 1.0462% | 2,137 |
| Pretax return on assets | 1.0806% | 3,059 |
| Return on Equity (ROE) | 12.1674% | 1,187 |
| Retained earnings to average equity (ytd only) | 4.7943% | 3,018 |
| Net charge-offs to loans | 0.0927% | 1,422 |
| Credit loss provision to net charge-offs | 256.0000% | 871 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,645 |
| Efficiency ratio | 65.0767% | 3,651 |
| Assets per employee ($millions) | 4.8628% | 2,616 |
| Cash dividends to net income (ytd only)* | 60.5970% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,359 |
| Loan loss allowance to noncurrent loans | 274.2358% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 1,952 |
| Noncurrent loans to loans | 0.4233% | 3,577 |
| Net loans and leases to total assets | 81.4433% | 630 |
| Net loans and leases to deposits | 103.0392% | 445 |
| Net loans and leases to core deposits | 117.7823% | 531 |
| Total domestic deposits to total assets | 79.0411% | 4,818 |
| Equity capital to assets | 8.4360% | 5,284 |
| Core capital (leverage) ratio | 8.7812% | 4,973 |
| Tier 1 risk-based capital ratio | 10.4269% | 5,573 |
| Total risk-based capital ratio | 11.6132% | 5,531 |
| Memoranda: | ||
| Average total assets | $128,080,000 | 3,874 |
| Average earning assets | $117,715,500 | 3,879 |
| Average equity | $11,013,000 | 4,386 |
| Average total loans | $107,927,500 | 3,278 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 490 |
| Cost of funding earning assets | 1.1937% | 57 |
| Net interest margin | 3.9164% | 1,917 |
| Noninterest income to average assets | 0.2546% | 4,895 |
| Noninterest expense to average assets | 2.3483% | 4,426 |
| Loan and lease loss provision to assets | 0.1398% | 1,784 |
| Net operating income to assets | 0.8970% | 2,841 |
| Return on assets (ROA) | 0.8970% | 2,960 |
| Pretax return on assets | 1.4196% | 1,866 |
| Return on Equity (ROE) | 10.3215% | 1,840 |
| Retained earnings to average equity (ytd only) | 9.1343% | 564 |
| Net charge-offs to loans | -0.0019% | 4,696 |
| Credit loss provision to net charge-offs | -8,400.0000% | 5,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0937% | 4,571 |
| Assets per employee ($millions) | 4.3057% | 3,426 |
| Cash dividends to net income (ytd only)* | 11.5028% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,544 |
| Loan loss allowance to noncurrent loans | 108.2740% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5553% | 1,047 |
| Noncurrent loans to loans | 1.0439% | 1,990 |
| Net loans and leases to total assets | 85.2529% | 278 |
| Net loans and leases to deposits | 108.7744% | 254 |
| Net loans and leases to core deposits | 122.9922% | 404 |
| Total domestic deposits to total assets | 78.3758% | 4,922 |
| Equity capital to assets | 8.7695% | 5,046 |
| Core capital (leverage) ratio | 8.9399% | 4,809 |
| Tier 1 risk-based capital ratio | 10.3559% | 5,636 |
| Total risk-based capital ratio | 11.5115% | 5,614 |
| Memoranda: | ||
| Average total assets | $120,173,400 | 3,992 |
| Average earning assets | $112,091,400 | 3,968 |
| Average equity | $10,444,200 | 4,503 |
| Average total loans | $103,704,200 | 3,318 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 527 |
| Cost of funding earning assets | 1.1801% | 57 |
| Net interest margin | 3.8873% | 2,018 |
| Noninterest income to average assets | 0.2521% | 4,958 |
| Noninterest expense to average assets | 2.2700% | 4,602 |
| Loan and lease loss provision to assets | 0.1569% | 1,477 |
| Net operating income to assets | 0.7731% | 3,494 |
| Return on assets (ROA) | 0.7731% | 3,636 |
| Pretax return on assets | 1.4644% | 1,834 |
| Return on Equity (ROE) | 8.9165% | 2,547 |
| Retained earnings to average equity (ytd only) | 7.3141% | 1,477 |
| Net charge-offs to loans | -0.0273% | 5,124 |
| Credit loss provision to net charge-offs | -666.6667% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3357% | 4,771 |
| Assets per employee ($millions) | 4.5001% | 3,087 |
| Cash dividends to net income (ytd only)* | 17.9710% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,661 |
| Loan loss allowance to noncurrent loans | 97.2625% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.6633% | 1,034 |
| Noncurrent loans to loans | 1.1649% | 1,929 |
| Net loans and leases to total assets | 86.7591% | 202 |
| Net loans and leases to deposits | 110.6221% | 248 |
| Net loans and leases to core deposits | 124.0398% | 414 |
| Total domestic deposits to total assets | 78.4283% | 4,829 |
| Equity capital to assets | 8.6904% | 5,404 |
| Core capital (leverage) ratio | 8.7234% | 5,136 |
| Tier 1 risk-based capital ratio | 10.1828% | 5,741 |
| Total risk-based capital ratio | 11.3503% | 5,709 |
| Memoranda: | ||
| Average total assets | $119,000,500 | 4,037 |
| Average earning assets | $111,401,750 | 4,007 |
| Average equity | $10,317,750 | 4,565 |
| Average total loans | $102,713,250 | 3,350 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 587 |
| Cost of funding earning assets | 1.1510% | 69 |
| Net interest margin | 3.8559% | 2,119 |
| Noninterest income to average assets | 0.1743% | 5,448 |
| Noninterest expense to average assets | 2.3120% | 4,577 |
| Loan and lease loss provision to assets | 0.1828% | 1,191 |
| Net operating income to assets | 0.8429% | 3,121 |
| Return on assets (ROA) | 0.8429% | 3,252 |
| Pretax return on assets | 1.2914% | 2,444 |
| Return on Equity (ROE) | 9.7291% | 2,169 |
| Retained earnings to average equity (ytd only) | 9.7291% | 656 |
| Net charge-offs to loans | -0.0828% | 5,555 |
| Credit loss provision to net charge-offs | -257.1429% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0639% | 4,502 |
| Assets per employee ($millions) | 4.2728% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,586 |
| Loan loss allowance to noncurrent loans | 176.0294% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 2,421 |
| Noncurrent loans to loans | 0.6587% | 3,100 |
| Net loans and leases to total assets | 85.2898% | 309 |
| Net loans and leases to deposits | 115.1006% | 162 |
| Net loans and leases to core deposits | 124.0053% | 409 |
| Total domestic deposits to total assets | 74.1002% | 5,506 |
| Equity capital to assets | 8.7656% | 5,433 |
| Core capital (leverage) ratio | 9.0069% | 4,816 |
| Tier 1 risk-based capital ratio | 10.5178% | 5,665 |
| Total risk-based capital ratio | 11.7205% | 5,598 |
| Memoranda: | ||
| Average total assets | $118,166,670 | 4,085 |
| Average earning assets | $110,687,670 | 4,044 |
| Average equity | $10,237,330 | 4,604 |
| Average total loans | $101,410,330 | 3,383 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 577 |
| Cost of funding earning assets | 1.1377% | 74 |
| Net interest margin | 3.8652% | 2,054 |
| Noninterest income to average assets | 0.2044% | 5,273 |
| Noninterest expense to average assets | 2.4116% | 4,332 |
| Loan and lease loss provision to assets | 0.1158% | 1,811 |
| Net operating income to assets | 0.8379% | 3,044 |
| Return on assets (ROA) | 0.8379% | 3,179 |
| Pretax return on assets | 1.2876% | 2,360 |
| Return on Equity (ROE) | 9.7305% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.7305% | 919 |
| Net charge-offs to loans | -0.0995% | 5,635 |
| Credit loss provision to net charge-offs | -136.0000% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2143% | 4,275 |
| Assets per employee ($millions) | 4.7606% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,872 |
| Loan loss allowance to noncurrent loans | 211.4723% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 3,638 |
| Noncurrent loans to loans | 0.5357% | 3,581 |
| Net loans and leases to total assets | 84.4803% | 328 |
| Net loans and leases to deposits | 113.1452% | 163 |
| Net loans and leases to core deposits | 117.6192% | 545 |
| Total domestic deposits to total assets | 74.6654% | 5,550 |
| Equity capital to assets | 8.9589% | 5,206 |
| Core capital (leverage) ratio | 8.7634% | 5,107 |
| Tier 1 risk-based capital ratio | 10.7954% | 5,604 |
| Total risk-based capital ratio | 11.9937% | 5,548 |
| Memoranda: | ||
| Average total assets | $117,431,000 | 4,132 |
| Average earning assets | $109,696,500 | 4,095 |
| Average equity | $10,112,500 | 4,641 |
| Average total loans | $100,497,500 | 3,415 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 554 |
| Cost of funding earning assets | 1.0464% | 132 |
| Net interest margin | 4.0172% | 1,660 |
| Noninterest income to average assets | 0.1746% | 5,540 |
| Noninterest expense to average assets | 2.1749% | 5,105 |
| Loan and lease loss provision to assets | 0.2405% | 798 |
| Net operating income to assets | 1.0064% | 2,330 |
| Return on assets (ROA) | 1.0064% | 2,417 |
| Pretax return on assets | 1.5443% | 1,421 |
| Return on Equity (ROE) | 11.9681% | 1,308 |
| Retained earnings to average equity (ytd only) | 10.4217% | 405 |
| Net charge-offs to loans | 0.0506% | 3,187 |
| Credit loss provision to net charge-offs | 562.5000% | 594 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 1,137 |
| Efficiency ratio | 54.9258% | 5,449 |
| Assets per employee ($millions) | 5.4821% | 1,825 |
| Cash dividends to net income (ytd only)* | 12.9204% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 4,529 |
| Loan loss allowance to noncurrent loans | 317.2727% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 4,380 |
| Noncurrent loans to loans | 0.3193% | 4,314 |
| Net loans and leases to total assets | 84.8367% | 323 |
| Net loans and leases to deposits | 116.4754% | 136 |
| Net loans and leases to core deposits | 124.6045% | 364 |
| Total domestic deposits to total assets | 72.8366% | 5,744 |
| Equity capital to assets | 8.2823% | 5,716 |
| Core capital (leverage) ratio | 8.3137% | 5,592 |
| Tier 1 risk-based capital ratio | 9.9072% | 5,968 |
| Total risk-based capital ratio | 10.9486% | 5,997 |
| Memoranda: | ||
| Average total assets | $112,280,800 | 4,214 |
| Average earning assets | $105,796,200 | 4,148 |
| Average equity | $9,441,800 | 4,759 |
| Average total loans | $94,854,000 | 3,480 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 654 |
| Cost of funding earning assets | 1.0399% | 141 |
| Net interest margin | 3.9384% | 1,904 |
| Noninterest income to average assets | 0.1585% | 5,695 |
| Noninterest expense to average assets | 2.2601% | 4,886 |
| Loan and lease loss provision to assets | 0.1658% | 1,280 |
| Net operating income to assets | 0.9498% | 2,712 |
| Return on assets (ROA) | 0.9498% | 2,808 |
| Pretax return on assets | 1.4579% | 1,810 |
| Return on Equity (ROE) | 11.2481% | 1,610 |
| Retained earnings to average equity (ytd only) | 9.1562% | 854 |
| Net charge-offs to loans | 0.0460% | 2,977 |
| Credit loss provision to net charge-offs | 428.1250% | 724 |
| Earnings coverage of net charge-offs (x) | 41.9332% | 1,198 |
| Efficiency ratio | 58.1931% | 5,099 |
| Assets per employee ($millions) | 6.0267% | 1,355 |
| Cash dividends to net income (ytd only)* | 18.5986% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 5,184 |
| Loan loss allowance to noncurrent loans | 1,177.2152% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 5,354 |
| Noncurrent loans to loans | 0.0770% | 5,318 |
| Net loans and leases to total assets | 84.3828% | 357 |
| Net loans and leases to deposits | 116.4503% | 146 |
| Net loans and leases to core deposits | 124.6248% | 361 |
| Total domestic deposits to total assets | 72.4625% | 5,832 |
| Equity capital to assets | 8.0027% | 5,953 |
| Core capital (leverage) ratio | 8.3631% | 5,663 |
| Tier 1 risk-based capital ratio | 9.6573% | 6,110 |
| Total risk-based capital ratio | 10.6497% | 6,137 |
| Memoranda: | ||
| Average total assets | $110,199,250 | 4,303 |
| Average earning assets | $104,235,500 | 4,236 |
| Average equity | $9,305,000 | 4,848 |
| Average total loans | $92,726,000 | 3,561 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 740 |
| Cost of funding earning assets | 1.0342% | 142 |
| Net interest margin | 3.8606% | 2,105 |
| Noninterest income to average assets | 0.1480% | 5,821 |
| Noninterest expense to average assets | 2.2425% | 4,999 |
| Loan and lease loss provision to assets | 0.2061% | 948 |
| Net operating income to assets | 0.8918% | 2,928 |
| Return on assets (ROA) | 0.8918% | 3,051 |
| Pretax return on assets | 1.3639% | 2,133 |
| Return on Equity (ROE) | 10.3576% | 1,913 |
| Retained earnings to average equity (ytd only) | 8.3122% | 1,145 |
| Net charge-offs to loans | -0.0157% | 5,080 |
| Credit loss provision to net charge-offs | -1,571.4286% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8206% | 5,133 |
| Assets per employee ($millions) | 4.8468% | 2,475 |
| Cash dividends to net income (ytd only)* | 19.7479% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 4,947 |
| Loan loss allowance to noncurrent loans | 1,192.4051% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 5,438 |
| Noncurrent loans to loans | 0.0825% | 5,407 |
| Net loans and leases to total assets | 85.0821% | 291 |
| Net loans and leases to deposits | 113.6559% | 190 |
| Net loans and leases to core deposits | 118.2454% | 519 |
| Total domestic deposits to total assets | 74.8594% | 5,723 |
| Equity capital to assets | 8.4233% | 5,743 |
| Core capital (leverage) ratio | 8.7554% | 5,272 |
| Tier 1 risk-based capital ratio | 10.2510% | 6,018 |
| Total risk-based capital ratio | 11.2819% | 6,031 |
| Memoranda: | ||
| Average total assets | $106,754,330 | 4,407 |
| Average earning assets | $101,331,670 | 4,338 |
| Average equity | $9,191,330 | 4,903 |
| Average total loans | $89,421,330 | 3,657 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 811 |
| Cost of funding earning assets | 1.0545% | 132 |
| Net interest margin | 3.7737% | 2,337 |
| Noninterest income to average assets | 0.1379% | 5,920 |
| Noninterest expense to average assets | 2.2377% | 5,050 |
| Loan and lease loss provision to assets | 0.1954% | 951 |
| Net operating income to assets | 0.8353% | 3,083 |
| Return on assets (ROA) | 0.8353% | 3,209 |
| Pretax return on assets | 1.2836% | 2,346 |
| Return on Equity (ROE) | 9.5908% | 2,179 |
| Retained earnings to average equity (ytd only) | 7.3911% | 1,816 |
| Net charge-offs to loans | -0.0139% | 4,880 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2062% | 5,068 |
| Assets per employee ($millions) | 4.9772% | 2,388 |
| Cash dividends to net income (ytd only)* | 22.9358% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 4,949 |
| Loan loss allowance to noncurrent loans | 1,569.6429% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 5,573 |
| Noncurrent loans to loans | 0.0646% | 5,513 |
| Net loans and leases to total assets | 82.1473% | 448 |
| Net loans and leases to deposits | 103.5380% | 390 |
| Net loans and leases to core deposits | 107.4282% | 849 |
| Total domestic deposits to total assets | 79.3402% | 5,201 |
| Equity capital to assets | 8.7790% | 5,523 |
| Core capital (leverage) ratio | 8.7858% | 5,224 |
| Tier 1 risk-based capital ratio | 10.8031% | 5,896 |
| Total risk-based capital ratio | 11.8489% | 5,908 |
| Memoranda: | ||
| Average total assets | $104,393,000 | 4,492 |
| Average earning assets | $99,001,500 | 4,432 |
| Average equity | $9,092,000 | 4,965 |
| Average total loans | $86,237,500 | 3,748 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 1,187 |
| Cost of funding earning assets | 1.0552% | 178 |
| Net interest margin | 3.7064% | 2,984 |
| Noninterest income to average assets | 0.1698% | 5,839 |
| Noninterest expense to average assets | 2.0796% | 5,619 |
| Loan and lease loss provision to assets | 0.2851% | 737 |
| Net operating income to assets | 0.8505% | 3,114 |
| Return on assets (ROA) | 0.8624% | 3,148 |
| Pretax return on assets | 1.3284% | 2,144 |
| Return on Equity (ROE) | 9.8626% | 2,174 |
| Retained earnings to average equity (ytd only) | 8.1052% | 986 |
| Net charge-offs to loans | 0.1075% | 2,974 |
| Credit loss provision to net charge-offs | 331.7647% | 790 |
| Earnings coverage of net charge-offs (x) | 18.5647% | 1,836 |
| Efficiency ratio | 56.5887% | 5,609 |
| Assets per employee ($millions) | 4.9650% | 2,366 |
| Cash dividends to net income (ytd only)* | 17.8195% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 5,228 |
| Loan loss allowance to noncurrent loans | 1,793.4783% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 5,710 |
| Noncurrent loans to loans | 0.0537% | 5,664 |
| Net loans and leases to total assets | 81.4365% | 580 |
| Net loans and leases to deposits | 102.5768% | 492 |
| Net loans and leases to core deposits | 106.7715% | 968 |
| Total domestic deposits to total assets | 79.3908% | 5,163 |
| Equity capital to assets | 8.6396% | 5,616 |
| Core capital (leverage) ratio | 8.6308% | 5,404 |
| Tier 1 risk-based capital ratio | 10.9358% | 5,933 |
| Total risk-based capital ratio | 11.9486% | 5,965 |
| Memoranda: | ||
| Average total assets | $98,914,600 | 4,629 |
| Average earning assets | $93,540,000 | 4,566 |
| Average equity | $8,648,800 | 5,053 |
| Average total loans | $79,091,800 | 3,899 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 1,400 |
| Cost of funding earning assets | 1.0494% | 192 |
| Net interest margin | 3.6136% | 3,372 |
| Noninterest income to average assets | 0.1722% | 5,893 |
| Noninterest expense to average assets | 2.0523% | 5,672 |
| Loan and lease loss provision to assets | 0.2910% | 683 |
| Net operating income to assets | 0.8080% | 3,399 |
| Return on assets (ROA) | 0.8239% | 3,408 |
| Pretax return on assets | 1.2694% | 2,495 |
| Return on Equity (ROE) | 9.3934% | 2,500 |
| Retained earnings to average equity (ytd only) | 7.7109% | 1,487 |
| Net charge-offs to loans | 0.1464% | 2,333 |
| Credit loss provision to net charge-offs | 250.5882% | 1,042 |
| Earnings coverage of net charge-offs (x) | 13.2236% | 2,248 |
| Efficiency ratio | 57.1973% | 5,542 |
| Assets per employee ($millions) | 5.1596% | 2,065 |
| Cash dividends to net income (ytd only)* | 17.9109% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 5,606 |
| Loan loss allowance to noncurrent loans | 1,181.2500% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 5,467 |
| Noncurrent loans to loans | 0.0760% | 5,723 |
| Net loans and leases to total assets | 80.9131% | 622 |
| Net loans and leases to deposits | 105.9366% | 330 |
| Net loans and leases to core deposits | 110.4914% | 724 |
| Total domestic deposits to total assets | 76.3788% | 5,766 |
| Equity capital to assets | 8.5288% | 5,777 |
| Core capital (leverage) ratio | 8.7414% | 5,393 |
| Tier 1 risk-based capital ratio | 10.8406% | 6,071 |
| Total risk-based capital ratio | 11.7817% | 6,147 |
| Memoranda: | ||
| Average total assets | $97,577,250 | 4,705 |
| Average earning assets | $92,241,750 | 4,639 |
| Average equity | $8,559,000 | 5,116 |
| Average total loans | $77,431,250 | 3,979 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 1,625 |
| Cost of funding earning assets | 1.0438% | 203 |
| Net interest margin | 3.5219% | 3,691 |
| Noninterest income to average assets | 0.1672% | 5,952 |
| Noninterest expense to average assets | 1.9581% | 5,899 |
| Loan and lease loss provision to assets | 0.3197% | 599 |
| Net operating income to assets | 0.7816% | 3,418 |
| Return on assets (ROA) | 0.7816% | 3,519 |
| Pretax return on assets | 1.2246% | 2,553 |
| Return on Equity (ROE) | 8.8225% | 2,684 |
| Retained earnings to average equity (ytd only) | 7.2892% | 1,622 |
| Net charge-offs to loans | 0.2155% | 1,732 |
| Credit loss provision to net charge-offs | 188.8889% | 1,221 |
| Earnings coverage of net charge-offs (x) | 9.1235% | 2,398 |
| Efficiency ratio | 55.9069% | 5,756 |
| Assets per employee ($millions) | 5.1917% | 1,982 |
| Cash dividends to net income (ytd only)* | 17.3797% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 5,752 |
| Loan loss allowance to noncurrent loans | 221.5190% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 5,095 |
| Noncurrent loans to loans | 0.4011% | 4,785 |
| Net loans and leases to total assets | 79.1663% | 782 |
| Net loans and leases to deposits | 102.1705% | 440 |
| Net loans and leases to core deposits | 106.3359% | 879 |
| Total domestic deposits to total assets | 77.4845% | 5,723 |
| Equity capital to assets | 8.7548% | 5,566 |
| Core capital (leverage) ratio | 8.9889% | 5,038 |
| Tier 1 risk-based capital ratio | 11.4376% | 5,836 |
| Total risk-based capital ratio | 12.3775% | 5,929 |
| Memoranda: | ||
| Average total assets | $95,706,000 | 4,776 |
| Average earning assets | $90,633,330 | 4,713 |
| Average equity | $8,478,330 | 5,162 |
| Average total loans | $75,158,000 | 4,070 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 1,653 |
| Cost of funding earning assets | 1.0473% | 214 |
| Net interest margin | 3.5001% | 3,690 |
| Noninterest income to average assets | 0.1401% | 6,137 |
| Noninterest expense to average assets | 1.9186% | 6,035 |
| Loan and lease loss provision to assets | 0.4245% | 391 |
| Net operating income to assets | 0.7088% | 3,642 |
| Return on assets (ROA) | 0.7088% | 3,723 |
| Pretax return on assets | 1.1163% | 2,826 |
| Return on Equity (ROE) | 7.9529% | 2,951 |
| Retained earnings to average equity (ytd only) | 6.3813% | 2,337 |
| Net charge-offs to loans | -0.0218% | 5,396 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4601% | 5,880 |
| Assets per employee ($millions) | 5.2809% | 1,930 |
| Cash dividends to net income (ytd only)* | 19.7605% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 5,515 |
| Loan loss allowance to noncurrent loans | 263.3094% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 5,286 |
| Noncurrent loans to loans | 0.3803% | 4,982 |
| Net loans and leases to total assets | 76.1343% | 988 |
| Net loans and leases to deposits | 94.8071% | 729 |
| Net loans and leases to core deposits | 98.6720% | 1,192 |
| Total domestic deposits to total assets | 80.3044% | 5,423 |
| Equity capital to assets | 8.9010% | 5,225 |
| Core capital (leverage) ratio | 8.9599% | 5,073 |
| Tier 1 risk-based capital ratio | 12.0132% | 5,636 |
| Total risk-based capital ratio | 13.0808% | 5,678 |
| Memoranda: | ||
| Average total assets | $94,237,500 | 4,871 |
| Average earning assets | $89,369,000 | 4,790 |
| Average equity | $8,399,500 | 5,200 |
| Average total loans | $73,341,000 | 4,156 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 2,378 |
| Cost of funding earning assets | 0.9336% | 626 |
| Net interest margin | 3.5202% | 3,807 |
| Noninterest income to average assets | 0.1601% | 6,128 |
| Noninterest expense to average assets | 2.0926% | 5,846 |
| Loan and lease loss provision to assets | 0.1566% | 2,318 |
| Net operating income to assets | 0.7781% | 3,400 |
| Return on assets (ROA) | 0.7863% | 3,469 |
| Pretax return on assets | 1.3028% | 2,137 |
| Return on Equity (ROE) | 8.7138% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.2865% | 961 |
| Net charge-offs to loans | -0.0217% | 6,156 |
| Credit loss provision to net charge-offs | -957.1429% | 6,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1284% | 5,587 |
| Assets per employee ($millions) | 5.4952% | 1,654 |
| Cash dividends to net income (ytd only)* | 4.9034% | 4,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 6,049 |
| Loan loss allowance to noncurrent loans | 246.2745% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 5,443 |
| Noncurrent loans to loans | 0.3466% | 5,149 |
| Net loans and leases to total assets | 78.0909% | 818 |
| Net loans and leases to deposits | 97.5737% | 617 |
| Net loans and leases to core deposits | 101.9894% | 1,032 |
| Total domestic deposits to total assets | 80.0328% | 5,439 |
| Equity capital to assets | 8.9255% | 5,124 |
| Core capital (leverage) ratio | 9.0315% | 4,950 |
| Tier 1 risk-based capital ratio | 11.9105% | 5,665 |
| Total risk-based capital ratio | 12.8683% | 5,783 |
| Memoranda: | ||
| Average total assets | $85,586,200 | 5,098 |
| Average earning assets | $82,153,600 | 4,977 |
| Average equity | $7,723,400 | 5,410 |
| Average total loans | $64,371,800 | 4,472 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 2,562 |
| Cost of funding earning assets | 0.9239% | 728 |
| Net interest margin | 3.4865% | 3,939 |
| Noninterest income to average assets | 0.1626% | 6,210 |
| Noninterest expense to average assets | 2.1412% | 5,743 |
| Loan and lease loss provision to assets | 0.1467% | 2,446 |
| Net operating income to assets | 0.7174% | 3,768 |
| Return on assets (ROA) | 0.7286% | 3,840 |
| Pretax return on assets | 1.2436% | 2,533 |
| Return on Equity (ROE) | 8.0494% | 3,099 |
| Retained earnings to average equity (ytd only) | 8.0494% | 1,392 |
| Net charge-offs to loans | -0.0172% | 6,012 |
| Credit loss provision to net charge-offs | -1,150.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9347% | 5,293 |
| Assets per employee ($millions) | 5.6013% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 6,220 |
| Loan loss allowance to noncurrent loans | 263.6364% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 5,705 |
| Noncurrent loans to loans | 0.3142% | 5,441 |
| Net loans and leases to total assets | 77.4830% | 805 |
| Net loans and leases to deposits | 95.1494% | 752 |
| Net loans and leases to core deposits | 99.2099% | 1,166 |
| Total domestic deposits to total assets | 81.4329% | 5,109 |
| Equity capital to assets | 9.0950% | 5,066 |
| Core capital (leverage) ratio | 9.2242% | 4,796 |
| Tier 1 risk-based capital ratio | 12.2260% | 5,621 |
| Total risk-based capital ratio | 13.1591% | 5,775 |
| Memoranda: | ||
| Average total assets | $83,628,250 | 5,200 |
| Average earning assets | $80,384,500 | 5,082 |
| Average equity | $7,569,750 | 5,503 |
| Average total loans | $62,070,000 | 4,579 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 2,764 |
| Cost of funding earning assets | 0.9292% | 779 |
| Net interest margin | 3.4207% | 4,111 |
| Noninterest income to average assets | 0.1568% | 6,268 |
| Noninterest expense to average assets | 2.1585% | 5,728 |
| Loan and lease loss provision to assets | 0.1225% | 2,790 |
| Net operating income to assets | 0.6933% | 3,836 |
| Return on assets (ROA) | 0.7105% | 3,925 |
| Pretax return on assets | 1.1858% | 2,739 |
| Return on Equity (ROE) | 7.8633% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.8633% | 1,543 |
| Net charge-offs to loans | 0.0202% | 4,439 |
| Credit loss provision to net charge-offs | 833.3333% | 363 |
| Earnings coverage of net charge-offs (x) | 87.1667% | 521 |
| Efficiency ratio | 62.7493% | 5,058 |
| Assets per employee ($millions) | 5.0335% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8068% | 6,341 |
| Loan loss allowance to noncurrent loans | 296.0452% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 5,875 |
| Noncurrent loans to loans | 0.2725% | 5,617 |
| Net loans and leases to total assets | 75.2881% | 1,069 |
| Net loans and leases to deposits | 90.9738% | 1,055 |
| Net loans and leases to core deposits | 93.4033% | 1,576 |
| Total domestic deposits to total assets | 82.7580% | 4,795 |
| Equity capital to assets | 9.3280% | 4,815 |
| Core capital (leverage) ratio | 9.5276% | 4,203 |
| Tier 1 risk-based capital ratio | 12.8493% | 5,259 |
| Total risk-based capital ratio | 13.7631% | 5,430 |
| Memoranda: | ||
| Average total assets | $81,630,670 | 5,281 |
| Average earning assets | $78,345,670 | 5,159 |
| Average equity | $7,376,000 | 5,592 |
| Average total loans | $59,419,670 | 4,694 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,769 |
| Cost of funding earning assets | 0.9643% | 729 |
| Net interest margin | 3.3646% | 4,256 |
| Noninterest income to average assets | 0.1506% | 6,350 |
| Noninterest expense to average assets | 2.1843% | 5,733 |
| Loan and lease loss provision to assets | 0.1004% | 3,001 |
| Net operating income to assets | 0.6628% | 3,890 |
| Return on assets (ROA) | 0.6628% | 4,045 |
| Pretax return on assets | 1.0896% | 2,998 |
| Return on Equity (ROE) | 7.4650% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.4650% | 1,955 |
| Net charge-offs to loans | -0.0141% | 5,568 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7321% | 4,880 |
| Assets per employee ($millions) | 4.9935% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 6,321 |
| Loan loss allowance to noncurrent loans | 267.0213% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 5,865 |
| Noncurrent loans to loans | 0.3265% | 5,585 |
| Net loans and leases to total assets | 71.4391% | 1,443 |
| Net loans and leases to deposits | 84.1993% | 1,573 |
| Net loans and leases to core deposits | 88.0696% | 1,903 |
| Total domestic deposits to total assets | 84.8453% | 4,121 |
| Equity capital to assets | 8.9341% | 5,573 |
| Core capital (leverage) ratio | 8.8622% | 5,105 |
| Tier 1 risk-based capital ratio | 12.7955% | 5,375 |
| Total risk-based capital ratio | 13.7775% | 5,512 |
| Memoranda: | ||
| Average total assets | $79,661,000 | 5,372 |
| Average earning assets | $76,324,000 | 5,258 |
| Average equity | $7,073,000 | 5,726 |
| Average total loans | $56,655,500 | 4,832 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 4,647 |
| Cost of funding earning assets | 1.1487% | 739 |
| Net interest margin | 3.0365% | 5,962 |
| Noninterest income to average assets | 0.1523% | 6,274 |
| Noninterest expense to average assets | 2.1020% | 6,125 |
| Loan and lease loss provision to assets | 0.2629% | 2,543 |
| Net operating income to assets | 0.4870% | 4,733 |
| Return on assets (ROA) | 0.4907% | 4,972 |
| Pretax return on assets | 0.6963% | 4,677 |
| Return on Equity (ROE) | 5.6397% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.6397% | 2,291 |
| Net charge-offs to loans | 0.0169% | 5,674 |
| Credit loss provision to net charge-offs | 2,525.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 91.6250% | 425 |
| Efficiency ratio | 68.7819% | 4,004 |
| Assets per employee ($millions) | 4.9641% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 6,369 |
| Loan loss allowance to noncurrent loans | 226.4151% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 5,878 |
| Noncurrent loans to loans | 0.3804% | 5,548 |
| Net loans and leases to total assets | 69.5641% | 1,930 |
| Net loans and leases to deposits | 80.3759% | 2,233 |
| Net loans and leases to core deposits | 84.0143% | 2,550 |
| Total domestic deposits to total assets | 86.5485% | 3,079 |
| Equity capital to assets | 8.8233% | 5,723 |
| Core capital (leverage) ratio | 8.7486% | 5,257 |
| Tier 1 risk-based capital ratio | 12.9696% | 5,128 |
| Total risk-based capital ratio | 13.9110% | 5,299 |
| Memoranda: | ||
| Average total assets | $76,833,400 | 5,439 |
| Average earning assets | $73,473,400 | 5,327 |
| Average equity | $6,684,800 | 5,852 |
| Average total loans | $47,307,200 | 5,203 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 5,019 |
| Cost of funding earning assets | 1.1611% | 829 |
| Net interest margin | 2.9840% | 6,198 |
| Noninterest income to average assets | 0.1453% | 6,414 |
| Noninterest expense to average assets | 2.0931% | 6,177 |
| Loan and lease loss provision to assets | 0.3203% | 2,062 |
| Net operating income to assets | 0.4533% | 5,024 |
| Return on assets (ROA) | 0.4533% | 5,267 |
| Pretax return on assets | 0.5880% | 5,205 |
| Return on Equity (ROE) | 5.2290% | 4,714 |
| Retained earnings to average equity (ytd only) | 5.2290% | 3,205 |
| Net charge-offs to loans | 0.0206% | 5,382 |
| Credit loss provision to net charge-offs | 2,614.2857% | 103 |
| Earnings coverage of net charge-offs (x) | 74.1672% | 555 |
| Efficiency ratio | 69.7376% | 3,741 |
| Assets per employee ($millions) | 4.8651% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 6,328 |
| Loan loss allowance to noncurrent loans | 310.0671% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 6,228 |
| Noncurrent loans to loans | 0.2962% | 5,901 |
| Net loans and leases to total assets | 64.0331% | 3,022 |
| Net loans and leases to deposits | 75.1942% | 3,110 |
| Net loans and leases to core deposits | 80.2654% | 3,173 |
| Total domestic deposits to total assets | 85.1569% | 3,685 |
| Equity capital to assets | 8.8835% | 5,939 |
| Core capital (leverage) ratio | 8.7205% | 5,444 |
| Tier 1 risk-based capital ratio | 14.0090% | 4,510 |
| Total risk-based capital ratio | 15.0179% | 4,666 |
| Memoranda: | ||
| Average total assets | $76,185,250 | 5,510 |
| Average earning assets | $72,919,750 | 5,403 |
| Average equity | $6,604,000 | 5,934 |
| Average total loans | $45,201,000 | 5,335 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 5,269 |
| Cost of funding earning assets | 1.1557% | 1,000 |
| Net interest margin | 2.9584% | 6,321 |
| Noninterest income to average assets | 0.1349% | 6,512 |
| Noninterest expense to average assets | 2.0044% | 6,423 |
| Loan and lease loss provision to assets | 0.2301% | 2,770 |
| Net operating income to assets | 0.5844% | 4,431 |
| Return on assets (ROA) | 0.5844% | 4,694 |
| Pretax return on assets | 0.7298% | 4,735 |
| Return on Equity (ROE) | 6.7997% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.7997% | 2,215 |
| Net charge-offs to loans | -0.0138% | 6,350 |
| Credit loss provision to net charge-offs | -2,900.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6182% | 4,208 |
| Assets per employee ($millions) | 4.8051% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 6,705 |
| Loan loss allowance to noncurrent loans | 219.8830% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 6,223 |
| Noncurrent loans to loans | 0.3572% | 5,830 |
| Net loans and leases to total assets | 61.7700% | 3,485 |
| Net loans and leases to deposits | 71.6268% | 3,668 |
| Net loans and leases to core deposits | 76.7676% | 3,686 |
| Total domestic deposits to total assets | 86.2387% | 3,227 |
| Equity capital to assets | 8.9046% | 5,803 |
| Core capital (leverage) ratio | 8.7752% | 5,260 |
| Tier 1 risk-based capital ratio | 14.6364% | 4,011 |
| Total risk-based capital ratio | 15.4859% | 4,251 |
| Memoranda: | ||
| Average total assets | $75,633,330 | 5,556 |
| Average earning assets | $72,337,330 | 5,448 |
| Average equity | $6,500,330 | 5,984 |
| Average total loans | $43,499,330 | 5,451 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 5,314 |
| Cost of funding earning assets | 1.1648% | 1,129 |
| Net interest margin | 2.9761% | 6,345 |
| Noninterest income to average assets | 0.1280% | 6,608 |
| Noninterest expense to average assets | 1.8611% | 6,716 |
| Loan and lease loss provision to assets | 0.0587% | 4,678 |
| Net operating income to assets | 0.9172% | 2,839 |
| Return on assets (ROA) | 0.9172% | 3,055 |
| Pretax return on assets | 1.0559% | 3,481 |
| Return on Equity (ROE) | 10.8732% | 2,073 |
| Retained earnings to average equity (ytd only) | 10.8732% | 1,063 |
| Net charge-offs to loans | 0.7067% | 1,414 |
| Credit loss provision to net charge-offs | 15.0685% | 3,838 |
| Earnings coverage of net charge-offs (x) | 2.8630% | 3,033 |
| Efficiency ratio | 62.5448% | 5,181 |
| Assets per employee ($millions) | 5.0870% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,658 |
| Loan loss allowance to noncurrent loans | 56.5217% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 0.8138% | 4,912 |
| Noncurrent loans to loans | 1.4914% | 3,880 |
| Net loans and leases to total assets | 54.1079% | 4,704 |
| Net loans and leases to deposits | 59.7816% | 5,176 |
| Net loans and leases to core deposits | 63.8781% | 5,128 |
| Total domestic deposits to total assets | 90.5091% | 798 |
| Equity capital to assets | 8.8893% | 5,652 |
| Core capital (leverage) ratio | 8.7648% | 5,176 |
| Tier 1 risk-based capital ratio | 16.3982% | 2,965 |
| Total risk-based capital ratio | 17.2588% | 3,141 |
| Memoranda: | ||
| Average total assets | $75,009,000 | 5,618 |
| Average earning assets | $71,772,000 | 5,502 |
| Average equity | $6,327,500 | 6,063 |
| Average total loans | $41,316,000 | 5,579 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 4,197 |
| Cost of funding earning assets | 1.3852% | 1,101 |
| Net interest margin | 3.3251% | 5,739 |
| Noninterest income to average assets | 0.1841% | 6,176 |
| Noninterest expense to average assets | 2.0572% | 6,571 |
| Loan and lease loss provision to assets | 0.1087% | 5,238 |
| Net operating income to assets | 0.7698% | 3,179 |
| Return on assets (ROA) | 0.7698% | 3,338 |
| Pretax return on assets | 1.1989% | 2,461 |
| Return on Equity (ROE) | 9.2348% | 2,352 |
| Retained earnings to average equity (ytd only) | 6.4000% | 1,803 |
| Net charge-offs to loans | 0.2512% | 4,207 |
| Credit loss provision to net charge-offs | 72.1154% | 4,771 |
| Earnings coverage of net charge-offs (x) | 8.6731% | 2,111 |
| Efficiency ratio | 61.1374% | 5,587 |
| Assets per employee ($millions) | 5.2652% | 1,868 |
| Cash dividends to net income (ytd only)* | 30.6968% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6123% | 7,001 |
| Loan loss allowance to noncurrent loans | 130.7292% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 5,597 |
| Noncurrent loans to loans | 0.4684% | 5,777 |
| Net loans and leases to total assets | 55.2725% | 4,840 |
| Net loans and leases to deposits | 60.5223% | 5,433 |
| Net loans and leases to core deposits | 64.7825% | 5,390 |
| Total domestic deposits to total assets | 91.3258% | 388 |
| Equity capital to assets | 7.9660% | 6,597 |
| Core capital (leverage) ratio | 7.8760% | 6,378 |
| Tier 1 risk-based capital ratio | 14.7707% | 3,780 |
| Total risk-based capital ratio | 15.4099% | 4,161 |
| Memoranda: | ||
| Average total assets | $68,978,400 | 5,776 |
| Average earning assets | $65,983,400 | 5,665 |
| Average equity | $5,750,000 | 6,217 |
| Average total loans | $41,406,400 | 5,620 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 3,999 |
| Cost of funding earning assets | 1.4332% | 1,092 |
| Net interest margin | 3.3715% | 5,656 |
| Noninterest income to average assets | 0.2576% | 5,779 |
| Noninterest expense to average assets | 1.9667% | 6,760 |
| Loan and lease loss provision to assets | 0.1455% | 4,625 |
| Net operating income to assets | 0.8830% | 2,809 |
| Return on assets (ROA) | 0.8830% | 2,961 |
| Pretax return on assets | 1.3747% | 2,026 |
| Return on Equity (ROE) | 10.4668% | 2,046 |
| Retained earnings to average equity (ytd only) | 10.4668% | 735 |
| Net charge-offs to loans | 0.3276% | 3,461 |
| Credit loss provision to net charge-offs | 72.5490% | 4,397 |
| Earnings coverage of net charge-offs (x) | 7.5782% | 2,336 |
| Efficiency ratio | 56.4016% | 6,225 |
| Assets per employee ($millions) | 5.3398% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6095% | 7,070 |
| Loan loss allowance to noncurrent loans | 136.2694% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 5,306 |
| Noncurrent loans to loans | 0.4473% | 5,950 |
| Net loans and leases to total assets | 61.7788% | 3,783 |
| Net loans and leases to deposits | 67.9463% | 4,621 |
| Net loans and leases to core deposits | 71.3145% | 4,804 |
| Total domestic deposits to total assets | 90.9230% | 458 |
| Equity capital to assets | 8.5786% | 6,222 |
| Core capital (leverage) ratio | 8.4771% | 5,741 |
| Tier 1 risk-based capital ratio | 14.4012% | 4,050 |
| Total risk-based capital ratio | 15.0456% | 4,468 |
| Memoranda: | ||
| Average total assets | $67,794,750 | 5,846 |
| Average earning assets | $64,935,000 | 5,744 |
| Average equity | $5,719,500 | 6,272 |
| Average total loans | $41,509,500 | 5,663 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 4,203 |
| Cost of funding earning assets | 1.4574% | 1,172 |
| Net interest margin | 3.3148% | 5,814 |
| Noninterest income to average assets | 0.2676% | 5,732 |
| Noninterest expense to average assets | 1.9835% | 6,824 |
| Loan and lease loss provision to assets | 0.2052% | 3,873 |
| Net operating income to assets | 0.7970% | 3,094 |
| Return on assets (ROA) | 0.7970% | 3,217 |
| Pretax return on assets | 1.2579% | 2,277 |
| Return on Equity (ROE) | 9.5019% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.5019% | 959 |
| Net charge-offs to loans | 0.7226% | 2,067 |
| Credit loss provision to net charge-offs | 46.6216% | 4,663 |
| Earnings coverage of net charge-offs (x) | 3.3243% | 3,211 |
| Efficiency ratio | 57.5496% | 6,221 |
| Assets per employee ($millions) | 4.9334% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5039% | 7,222 |
| Loan loss allowance to noncurrent loans | 89.4958% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 5,249 |
| Noncurrent loans to loans | 0.5631% | 5,792 |
| Net loans and leases to total assets | 60.8878% | 4,110 |
| Net loans and leases to deposits | 67.2638% | 4,821 |
| Net loans and leases to core deposits | 70.6291% | 5,001 |
| Total domestic deposits to total assets | 90.5209% | 709 |
| Equity capital to assets | 8.3411% | 6,374 |
| Core capital (leverage) ratio | 8.2547% | 5,940 |
| Tier 1 risk-based capital ratio | 14.3769% | 3,883 |
| Total risk-based capital ratio | 14.9146% | 4,384 |
| Memoranda: | ||
| Average total assets | $67,254,000 | 5,911 |
| Average earning assets | $64,497,670 | 5,805 |
| Average equity | $5,641,000 | 6,337 |
| Average total loans | $40,963,330 | 5,758 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 4,208 |
| Cost of funding earning assets | 1.4786% | 1,262 |
| Net interest margin | 3.2907% | 5,813 |
| Noninterest income to average assets | 0.2412% | 5,972 |
| Noninterest expense to average assets | 2.0137% | 6,811 |
| Loan and lease loss provision to assets | 0.0121% | 5,764 |
| Net operating income to assets | 0.8682% | 2,708 |
| Return on assets (ROA) | 0.8682% | 2,767 |
| Pretax return on assets | 1.3686% | 1,821 |
| Return on Equity (ROE) | 10.3207% | 1,989 |
| Retained earnings to average equity (ytd only) | 10.3207% | 1,042 |
| Net charge-offs to loans | -0.2580% | 7,311 |
| Credit loss provision to net charge-offs | -7.6923% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3250% | 6,079 |
| Assets per employee ($millions) | 4.7756% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 6,921 |
| Loan loss allowance to noncurrent loans | 41.2903% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 1.6587% | 3,765 |
| Noncurrent loans to loans | 1.9375% | 3,652 |
| Net loans and leases to total assets | 59.3512% | 4,397 |
| Net loans and leases to deposits | 65.2262% | 5,090 |
| Net loans and leases to core deposits | 68.2566% | 5,262 |
| Total domestic deposits to total assets | 90.9929% | 631 |
| Equity capital to assets | 8.4358% | 6,007 |
| Core capital (leverage) ratio | 8.3412% | 5,725 |
| Tier 1 risk-based capital ratio | 14.5226% | 3,722 |
| Total risk-based capital ratio | 15.3567% | 3,973 |
| Memoranda: | ||
| Average total assets | $66,347,000 | 5,981 |
| Average earning assets | $63,574,000 | 5,876 |
| Average equity | $5,581,000 | 6,371 |
| Average total loans | $40,311,500 | 5,835 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4160% | 2,600 |
| Cost of funding earning assets | 1.7234% | 1,495 |
| Net interest margin | 3.6926% | 4,376 |
| Noninterest income to average assets | 0.2697% | 5,859 |
| Noninterest expense to average assets | 2.2311% | 6,538 |
| Loan and lease loss provision to assets | 0.2311% | 4,969 |
| Net operating income to assets | 0.8555% | 2,565 |
| Return on assets (ROA) | 0.8555% | 2,704 |
| Pretax return on assets | 1.3290% | 1,861 |
| Return on Equity (ROE) | 9.8101% | 2,000 |
| Retained earnings to average equity (ytd only) | 3.7915% | 3,208 |
| Net charge-offs to loans | 0.0898% | 5,942 |
| Credit loss provision to net charge-offs | 378.9474% | 662 |
| Earnings coverage of net charge-offs (x) | 25.5789% | 836 |
| Efficiency ratio | 58.8484% | 6,227 |
| Assets per employee ($millions) | 5.0643% | 2,065 |
| Cash dividends to net income (ytd only)* | 61.3508% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 7,096 |
| Loan loss allowance to noncurrent loans | 24.0424% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 2.3771% | 2,890 |
| Noncurrent loans to loans | 3.0205% | 2,530 |
| Net loans and leases to total assets | 61.2537% | 4,447 |
| Net loans and leases to deposits | 67.3542% | 5,188 |
| Net loans and leases to core deposits | 70.5202% | 5,399 |
| Total domestic deposits to total assets | 90.9426% | 626 |
| Equity capital to assets | 8.3875% | 6,023 |
| Core capital (leverage) ratio | 8.2579% | 5,747 |
| Tier 1 risk-based capital ratio | 13.8785% | 3,940 |
| Total risk-based capital ratio | 14.6326% | 4,263 |
| Memoranda: | ||
| Average total assets | $62,302,000 | 6,114 |
| Average earning assets | $59,416,000 | 6,012 |
| Average equity | $5,433,200 | 6,529 |
| Average total loans | $42,325,600 | 5,819 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 2,135 |
| Cost of funding earning assets | 1.7679% | 1,557 |
| Net interest margin | 3.8138% | 3,915 |
| Noninterest income to average assets | 0.2757% | 5,903 |
| Noninterest expense to average assets | 2.2772% | 6,390 |
| Loan and lease loss provision to assets | 0.1867% | 5,174 |
| Net operating income to assets | 0.9335% | 2,484 |
| Return on assets (ROA) | 0.9335% | 2,615 |
| Pretax return on assets | 1.4458% | 1,758 |
| Return on Equity (ROE) | 10.5955% | 1,909 |
| Retained earnings to average equity (ytd only) | 2.5380% | 4,643 |
| Net charge-offs to loans | -0.0156% | 7,320 |
| Credit loss provision to net charge-offs | -1,720.0000% | 7,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2454% | 6,232 |
| Assets per employee ($millions) | 4.8888% | 2,333 |
| Cash dividends to net income (ytd only)* | 76.0465% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6334% | 7,307 |
| Loan loss allowance to noncurrent loans | 17.2030% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 2.5427% | 2,820 |
| Noncurrent loans to loans | 3.6817% | 2,120 |
| Net loans and leases to total assets | 68.6256% | 3,069 |
| Net loans and leases to deposits | 76.0214% | 4,175 |
| Net loans and leases to core deposits | 79.7699% | 4,551 |
| Total domestic deposits to total assets | 90.2714% | 740 |
| Equity capital to assets | 8.5265% | 6,248 |
| Core capital (leverage) ratio | 8.3953% | 5,707 |
| Tier 1 risk-based capital ratio | 12.7348% | 4,790 |
| Total risk-based capital ratio | 13.3993% | 5,284 |
| Memoranda: | ||
| Average total assets | $61,418,500 | 6,211 |
| Average earning assets | $58,523,250 | 6,108 |
| Average equity | $5,411,000 | 6,617 |
| Average total loans | $42,751,500 | 5,887 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6221% | 2,059 |
| Cost of funding earning assets | 1.7898% | 1,685 |
| Net interest margin | 3.8323% | 3,751 |
| Noninterest income to average assets | 0.2833% | 5,876 |
| Noninterest expense to average assets | 2.1283% | 6,822 |
| Loan and lease loss provision to assets | 0.1153% | 5,749 |
| Net operating income to assets | 1.0345% | 2,066 |
| Return on assets (ROA) | 1.0345% | 2,143 |
| Pretax return on assets | 1.6868% | 1,076 |
| Return on Equity (ROE) | 11.6117% | 1,557 |
| Retained earnings to average equity (ytd only) | 7.5069% | 1,634 |
| Net charge-offs to loans | -0.2785% | 7,680 |
| Credit loss provision to net charge-offs | -59.3220% | 6,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1492% | 6,869 |
| Assets per employee ($millions) | 4.7054% | 2,575 |
| Cash dividends to net income (ytd only)* | 35.3503% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6508% | 7,334 |
| Loan loss allowance to noncurrent loans | 24.2060% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 1.9045% | 3,615 |
| Noncurrent loans to loans | 2.6885% | 2,963 |
| Net loans and leases to total assets | 70.3776% | 2,820 |
| Net loans and leases to deposits | 78.0513% | 3,956 |
| Net loans and leases to core deposits | 82.0547% | 4,408 |
| Total domestic deposits to total assets | 90.1684% | 834 |
| Equity capital to assets | 9.0126% | 5,425 |
| Core capital (leverage) ratio | 8.8830% | 4,782 |
| Tier 1 risk-based capital ratio | 13.2270% | 4,270 |
| Total risk-based capital ratio | 13.9145% | 4,694 |
| Memoranda: | ||
| Average total assets | $60,706,330 | 6,278 |
| Average earning assets | $57,771,670 | 6,178 |
| Average equity | $5,408,330 | 6,647 |
| Average total loans | $42,371,000 | 5,940 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6046% | 2,129 |
| Cost of funding earning assets | 1.8007% | 1,872 |
| Net interest margin | 3.8039% | 3,780 |
| Noninterest income to average assets | 0.2513% | 6,144 |
| Noninterest expense to average assets | 2.1431% | 6,828 |
| Loan and lease loss provision to assets | 0.2315% | 4,190 |
| Net operating income to assets | 0.8665% | 2,683 |
| Return on assets (ROA) | 0.8665% | 2,770 |
| Pretax return on assets | 1.4816% | 1,564 |
| Return on Equity (ROE) | 9.7834% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.7834% | 1,189 |
| Net charge-offs to loans | -0.0477% | 7,334 |
| Credit loss provision to net charge-offs | -700.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5746% | 6,831 |
| Assets per employee ($millions) | 4.7608% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5390% | 7,564 |
| Loan loss allowance to noncurrent loans | 18.6356% | 7,080 |
| Noncurrent assets plus other real estate owned to assets | 2.0068% | 3,494 |
| Noncurrent loans to loans | 2.8925% | 2,789 |
| Net loans and leases to total assets | 66.7830% | 3,681 |
| Net loans and leases to deposits | 73.7940% | 4,776 |
| Net loans and leases to core deposits | 77.4936% | 5,090 |
| Total domestic deposits to total assets | 90.4993% | 740 |
| Equity capital to assets | 8.7591% | 5,627 |
| Core capital (leverage) ratio | 8.6602% | 5,096 |
| Tier 1 risk-based capital ratio | 13.1271% | 4,250 |
| Total risk-based capital ratio | 13.6763% | 4,760 |
| Memoranda: | ||
| Average total assets | $60,474,500 | 6,356 |
| Average earning assets | $57,310,000 | 6,266 |
| Average equity | $5,356,000 | 6,721 |
| Average total loans | $41,890,500 | 6,031 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3728% | 881 |
| Cost of funding earning assets | 2.2995% | 1,660 |
| Net interest margin | 4.0732% | 2,553 |
| Noninterest income to average assets | 0.3087% | 5,875 |
| Noninterest expense to average assets | 2.2028% | 6,989 |
| Loan and lease loss provision to assets | 0.3889% | 4,455 |
| Net operating income to assets | 1.2139% | 1,213 |
| Return on assets (ROA) | 1.2139% | 1,259 |
| Pretax return on assets | 1.5540% | 1,070 |
| Return on Equity (ROE) | 13.8436% | 811 |
| Retained earnings to average equity (ytd only) | 10.6015% | 314 |
| Net charge-offs to loans | 0.7896% | 2,852 |
| Credit loss provision to net charge-offs | 65.7817% | 6,558 |
| Earnings coverage of net charge-offs (x) | 3.2861% | 3,422 |
| Efficiency ratio | 53.1342% | 7,311 |
| Assets per employee ($millions) | 4.5430% | 2,849 |
| Cash dividends to net income (ytd only)* | 23.4195% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4452% | 7,716 |
| Loan loss allowance to noncurrent loans | 14.1460% | 7,281 |
| Noncurrent assets plus other real estate owned to assets | 2.3180% | 2,981 |
| Noncurrent loans to loans | 3.1474% | 2,437 |
| Net loans and leases to total assets | 71.1780% | 2,958 |
| Net loans and leases to deposits | 79.0719% | 4,161 |
| Net loans and leases to core deposits | 97.8037% | 4,247 |
| Total domestic deposits to total assets | 90.0168% | 948 |
| Equity capital to assets | 8.9588% | 5,207 |
| Core capital (leverage) ratio | 8.8585% | 4,665 |
| Tier 1 risk-based capital ratio | 12.6648% | 4,392 |
| Total risk-based capital ratio | 13.1204% | 5,022 |
| Memoranda: | ||
| Average total assets | $57,336,800 | 6,453 |
| Average earning assets | $54,011,000 | 6,374 |
| Average equity | $5,027,600 | 6,929 |
| Average total loans | $42,930,600 | 5,983 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4648% | 811 |
| Cost of funding earning assets | 2.4283% | 1,527 |
| Net interest margin | 4.0365% | 2,652 |
| Noninterest income to average assets | 0.3140% | 5,968 |
| Noninterest expense to average assets | 2.1626% | 7,070 |
| Loan and lease loss provision to assets | 0.5225% | 3,296 |
| Net operating income to assets | 1.1340% | 1,623 |
| Return on assets (ROA) | 1.1340% | 1,697 |
| Pretax return on assets | 1.4339% | 1,613 |
| Return on Equity (ROE) | 13.0059% | 1,118 |
| Retained earnings to average equity (ytd only) | 13.0059% | 260 |
| Net charge-offs to loans | 0.2165% | 4,678 |
| Credit loss provision to net charge-offs | 318.5714% | 1,292 |
| Earnings coverage of net charge-offs (x) | 11.9287% | 1,813 |
| Efficiency ratio | 52.5028% | 7,376 |
| Assets per employee ($millions) | 4.2763% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 6,136 |
| Loan loss allowance to noncurrent loans | 34.4225% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 2.4320% | 2,832 |
| Noncurrent loans to loans | 2.9750% | 2,542 |
| Net loans and leases to total assets | 78.7559% | 1,432 |
| Net loans and leases to deposits | 87.8416% | 2,995 |
| Net loans and leases to core deposits | 105.9148% | 3,709 |
| Total domestic deposits to total assets | 89.6568% | 907 |
| Equity capital to assets | 9.4240% | 4,855 |
| Core capital (leverage) ratio | 9.3213% | 4,156 |
| Tier 1 risk-based capital ratio | 12.2159% | 4,775 |
| Total risk-based capital ratio | 13.2850% | 4,879 |
| Memoranda: | ||
| Average total assets | $56,906,250 | 6,508 |
| Average earning assets | $53,642,750 | 6,438 |
| Average equity | $4,961,750 | 7,014 |
| Average total loans | $43,107,000 | 6,019 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4286% | 948 |
| Cost of funding earning assets | 2.5328% | 1,497 |
| Net interest margin | 3.8958% | 3,135 |
| Noninterest income to average assets | 0.3209% | 5,942 |
| Noninterest expense to average assets | 2.1763% | 7,109 |
| Loan and lease loss provision to assets | 0.5755% | 2,713 |
| Net operating income to assets | 1.1823% | 1,529 |
| Return on assets (ROA) | 1.1823% | 1,613 |
| Pretax return on assets | 1.2277% | 2,224 |
| Return on Equity (ROE) | 13.9239% | 1,005 |
| Retained earnings to average equity (ytd only) | 13.9239% | 261 |
| Net charge-offs to loans | 0.1170% | 4,991 |
| Credit loss provision to net charge-offs | 660.0000% | 705 |
| Earnings coverage of net charge-offs (x) | 20.6800% | 1,303 |
| Efficiency ratio | 54.6889% | 7,258 |
| Assets per employee ($millions) | 4.3728% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,312 |
| Loan loss allowance to noncurrent loans | 42.6628% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 1.8735% | 3,368 |
| Noncurrent loans to loans | 2.3258% | 3,110 |
| Net loans and leases to total assets | 77.0573% | 1,938 |
| Net loans and leases to deposits | 85.7355% | 3,592 |
| Net loans and leases to core deposits | 100.3114% | 4,476 |
| Total domestic deposits to total assets | 89.8779% | 878 |
| Equity capital to assets | 8.9153% | 5,430 |
| Core capital (leverage) ratio | 8.8464% | 4,869 |
| Tier 1 risk-based capital ratio | 11.8634% | 5,029 |
| Total risk-based capital ratio | 12.8999% | 5,173 |
| Memoranda: | ||
| Average total assets | $57,344,330 | 6,537 |
| Average earning assets | $53,853,000 | 6,481 |
| Average equity | $4,869,330 | 7,117 |
| Average total loans | $42,731,000 | 6,078 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5332% | 814 |
| Cost of funding earning assets | 2.6446% | 1,430 |
| Net interest margin | 3.8886% | 3,079 |
| Noninterest income to average assets | 0.2500% | 6,454 |
| Noninterest expense to average assets | 2.1461% | 7,020 |
| Loan and lease loss provision to assets | 0.6598% | 1,919 |
| Net operating income to assets | 1.0279% | 2,202 |
| Return on assets (ROA) | 1.0279% | 2,344 |
| Pretax return on assets | 1.0696% | 3,102 |
| Return on Equity (ROE) | 12.4109% | 1,538 |
| Retained earnings to average equity (ytd only) | 12.4109% | 727 |
| Net charge-offs to loans | 0.0381% | 4,975 |
| Credit loss provision to net charge-offs | 2,375.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 62.2500% | 632 |
| Efficiency ratio | 55.3763% | 7,055 |
| Assets per employee ($millions) | 4.4357% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 6,532 |
| Loan loss allowance to noncurrent loans | 25.5403% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 2.7469% | 2,067 |
| Noncurrent loans to loans | 3.6974% | 1,691 |
| Net loans and leases to total assets | 70.9437% | 3,482 |
| Net loans and leases to deposits | 78.3052% | 4,875 |
| Net loans and leases to core deposits | 94.9385% | 5,065 |
| Total domestic deposits to total assets | 90.5990% | 553 |
| Equity capital to assets | 8.4368% | 6,170 |
| Core capital (leverage) ratio | 8.4686% | 5,599 |
| Tier 1 risk-based capital ratio | 12.2302% | 4,768 |
| Total risk-based capital ratio | 12.9838% | 5,107 |
| Memoranda: | ||
| Average total assets | $57,593,500 | 6,555 |
| Average earning assets | $53,695,000 | 6,515 |
| Average equity | $4,770,000 | 7,200 |
| Average total loans | $41,975,000 | 6,146 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9193% | 1,345 |
| Cost of funding earning assets | 3.1996% | 1,195 |
| Net interest margin | 3.7197% | 4,386 |
| Noninterest income to average assets | 0.4415% | 5,102 |
| Noninterest expense to average assets | 2.2879% | 6,738 |
| Loan and lease loss provision to assets | 0.7375% | 2,012 |
| Net operating income to assets | 0.4381% | 4,997 |
| Return on assets (ROA) | 0.4381% | 4,820 |
| Pretax return on assets | 0.9771% | 3,461 |
| Return on Equity (ROE) | 4.7631% | 4,490 |
| Retained earnings to average equity (ytd only) | -3.1444% | 6,140 |
| Net charge-offs to loans | 0.9602% | 1,287 |
| Credit loss provision to net charge-offs | 102.3753% | 5,201 |
| Earnings coverage of net charge-offs (x) | 2.3800% | 4,888 |
| Efficiency ratio | 57.1612% | 6,841 |
| Assets per employee ($millions) | 4.4248% | 2,739 |
| Cash dividends to net income (ytd only)* | 166.0156% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 7,419 |
| Loan loss allowance to noncurrent loans | 42.5926% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 3,794 |
| Noncurrent loans to loans | 1.6459% | 3,303 |
| Net loans and leases to total assets | 73.6262% | 3,199 |
| Net loans and leases to deposits | 81.7117% | 4,769 |
| Net loans and leases to core deposits | 99.9906% | 4,822 |
| Total domestic deposits to total assets | 90.1048% | 607 |
| Equity capital to assets | 8.1272% | 6,661 |
| Core capital (leverage) ratio | 8.2261% | 6,115 |
| Tier 1 risk-based capital ratio | 11.5124% | 5,229 |
| Total risk-based capital ratio | 12.0227% | 5,843 |
| Memoranda: | ||
| Average total assets | $58,437,200 | 6,433 |
| Average earning assets | $55,944,800 | 6,338 |
| Average equity | $5,374,600 | 7,024 |
| Average total loans | $43,842,800 | 5,990 |