Home > Eagle Valley Bank > Performance and Condition Ratios
Eagle Valley 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 | 4.5044% | 3,889 |
| Cost of funding earning assets | 1.4946% | 3,213 |
| Net interest margin | 3.0098% | 3,372 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 2.7423% | 1,649 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.1896% | 3,981 |
| Return on assets (ROA) | 0.1896% | 4,017 |
| Pretax return on assets | 0.1896% | 4,040 |
| Return on Equity (ROE) | 1.5900% | 4,036 |
| Retained earnings to average equity (ytd only) | -6.1089% | 4,138 |
| Net charge-offs to loans | -0.1203% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 91.3684% | 465 |
| Assets per employee ($millions) | 6.1466% | 2,846 |
| Cash dividends to net income (ytd only)* | 483.3333% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 3,812 |
| Loan loss allowance to noncurrent loans | 86.7508% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 1,441 |
| Noncurrent loans to loans | 0.9477% | 1,129 |
| Net loans and leases to total assets | 53.9700% | 3,348 |
| Net loans and leases to deposits | 62.7428% | 3,334 |
| Net loans and leases to core deposits | 66.3361% | 3,461 |
| Total domestic deposits to total assets | 86.0200% | 2,293 |
| Equity capital to assets | 12.2246% | 1,154 |
| Core capital (leverage) ratio | 12.5596% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $63,304,000 | 4,102 |
| Average earning assets | $58,343,000 | 4,080 |
| Average equity | $7,530,000 | 4,018 |
| Average total loans | $33,251,000 | 4,043 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 3,787 |
| Cost of funding earning assets | 1.1206% | 3,912 |
| Net interest margin | 3.4546% | 2,160 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 2.7661% | 1,590 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 0.4005% | 3,679 |
| Return on assets (ROA) | 0.4005% | 3,703 |
| Pretax return on assets | 0.4005% | 3,792 |
| Return on Equity (ROE) | 3.1700% | 3,829 |
| Retained earnings to average equity (ytd only) | -3.9185% | 4,249 |
| Net charge-offs to loans | 0.5754% | 263 |
| Credit loss provision to net charge-offs | 61.6822% | 2,269 |
| Earnings coverage of net charge-offs (x) | 1.7664% | 2,873 |
| Efficiency ratio | 81.8007% | 930 |
| Assets per employee ($millions) | 5.9220% | 2,933 |
| Cash dividends to net income (ytd only)* | 223.5772% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7685% | 3,949 |
| Loan loss allowance to noncurrent loans | 82.2006% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 1,488 |
| Noncurrent loans to loans | 0.9349% | 1,071 |
| Net loans and leases to total assets | 50.3500% | 3,612 |
| Net loans and leases to deposits | 58.0164% | 3,619 |
| Net loans and leases to core deposits | 66.4203% | 3,503 |
| Total domestic deposits to total assets | 86.7900% | 1,940 |
| Equity capital to assets | 11.5839% | 1,328 |
| Core capital (leverage) ratio | 12.8369% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $61,421,600 | 4,123 |
| Average earning assets | $57,024,600 | 4,097 |
| Average equity | $7,758,000 | 3,996 |
| Average total loans | $37,192,600 | 3,998 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 3,717 |
| Cost of funding earning assets | 1.0528% | 3,990 |
| Net interest margin | 3.5321% | 1,953 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 2.7970% | 1,465 |
| Loan and lease loss provision to assets | 0.2700% | 400 |
| Net operating income to assets | 0.3813% | 3,715 |
| Return on assets (ROA) | 0.3813% | 3,746 |
| Pretax return on assets | 0.3813% | 3,839 |
| Return on Equity (ROE) | 2.9500% | 3,897 |
| Retained earnings to average equity (ytd only) | -4.6429% | 4,323 |
| Net charge-offs to loans | 0.0070% | 2,408 |
| Credit loss provision to net charge-offs | 6,100.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 620 |
| Efficiency ratio | 81.1381% | 1,007 |
| Assets per employee ($millions) | 5.4641% | 3,306 |
| Cash dividends to net income (ytd only)* | 257.2254% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,152 |
| Loan loss allowance to noncurrent loans | 97.2281% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 901 |
| Noncurrent loans to loans | 1.2467% | 801 |
| Net loans and leases to total assets | 61.8300% | 2,756 |
| Net loans and leases to deposits | 72.6914% | 2,772 |
| Net loans and leases to core deposits | 76.3786% | 3,044 |
| Total domestic deposits to total assets | 85.0600% | 2,269 |
| Equity capital to assets | 13.1570% | 933 |
| Core capital (leverage) ratio | 13.8549% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $60,491,500 | 4,148 |
| Average earning assets | $56,358,000 | 4,132 |
| Average equity | $7,811,000 | 4,003 |
| Average total loans | $38,227,500 | 4,001 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 3,681 |
| Cost of funding earning assets | 1.0391% | 3,971 |
| Net interest margin | 3.5225% | 1,918 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 2.8142% | 1,424 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.6038% | 3,172 |
| Return on assets (ROA) | 0.6038% | 3,206 |
| Pretax return on assets | 0.6038% | 3,439 |
| Return on Equity (ROE) | 4.7100% | 3,590 |
| Retained earnings to average equity (ytd only) | -5.5794% | 4,337 |
| Net charge-offs to loans | -0.0625% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 80.7001% | 1,077 |
| Assets per employee ($millions) | 4.9444% | 3,661 |
| Cash dividends to net income (ytd only)* | 218.5792% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 3,517 |
| Loan loss allowance to noncurrent loans | 94.6154% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 850 |
| Noncurrent loans to loans | 1.0040% | 920 |
| Net loans and leases to total assets | 64.8400% | 2,470 |
| Net loans and leases to deposits | 77.9141% | 2,392 |
| Net loans and leases to core deposits | 81.0457% | 2,741 |
| Total domestic deposits to total assets | 83.2300% | 2,815 |
| Equity capital to assets | 12.8832% | 897 |
| Core capital (leverage) ratio | 13.8329% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $60,620,333 | 4,167 |
| Average earning assets | $56,777,667 | 4,140 |
| Average equity | $7,778,667 | 3,994 |
| Average total loans | $38,430,667 | 4,014 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 3,599 |
| Cost of funding earning assets | 1.0206% | 3,968 |
| Net interest margin | 3.5333% | 1,841 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 2.7553% | 1,561 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.6399% | 3,041 |
| Return on assets (ROA) | 0.6399% | 3,062 |
| Pretax return on assets | 0.6399% | 3,302 |
| Return on Equity (ROE) | 5.0000% | 3,452 |
| Retained earnings to average equity (ytd only) | -5.2001% | 4,142 |
| Net charge-offs to loans | -0.1360% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 79.4727% | 1,241 |
| Assets per employee ($millions) | 5.0117% | 3,649 |
| Cash dividends to net income (ytd only)* | 204.0816% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 3,547 |
| Loan loss allowance to noncurrent loans | 89.3300% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 942 |
| Noncurrent loans to loans | 1.0559% | 801 |
| Net loans and leases to total assets | 62.8600% | 2,578 |
| Net loans and leases to deposits | 75.1745% | 2,500 |
| Net loans and leases to core deposits | 77.7054% | 2,875 |
| Total domestic deposits to total assets | 83.6200% | 2,830 |
| Equity capital to assets | 12.9099% | 882 |
| Core capital (leverage) ratio | 13.8506% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $61,264,000 | 4,186 |
| Average earning assets | $56,830,500 | 4,169 |
| Average equity | $7,846,000 | 4,010 |
| Average total loans | $38,224,500 | 4,022 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 3,430 |
| Cost of funding earning assets | 0.5496% | 4,144 |
| Net interest margin | 3.7596% | 1,629 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.5983% | 2,005 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9492% | 2,369 |
| Return on assets (ROA) | 0.9492% | 2,361 |
| Pretax return on assets | 0.9492% | 2,817 |
| Return on Equity (ROE) | 7.8400% | 3,071 |
| Retained earnings to average equity (ytd only) | 4.3858% | 2,834 |
| Net charge-offs to loans | 0.3321% | 327 |
| Credit loss provision to net charge-offs | 27.9070% | 2,284 |
| Earnings coverage of net charge-offs (x) | 4.8527% | 2,556 |
| Efficiency ratio | 72.0660% | 1,653 |
| Assets per employee ($millions) | 5.1990% | 3,475 |
| Cash dividends to net income (ytd only)* | 44.0678% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 3,786 |
| Loan loss allowance to noncurrent loans | 60.7595% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 566 |
| Noncurrent loans to loans | 1.4445% | 478 |
| Net loans and leases to total assets | 60.8200% | 2,770 |
| Net loans and leases to deposits | 75.2902% | 2,522 |
| Net loans and leases to core deposits | 76.8189% | 2,923 |
| Total domestic deposits to total assets | 80.7900% | 3,345 |
| Equity capital to assets | 12.7076% | 939 |
| Core capital (leverage) ratio | 13.8014% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $62,155,600 | 4,187 |
| Average earning assets | $56,947,400 | 4,176 |
| Average equity | $7,524,200 | 3,985 |
| Average total loans | $38,839,000 | 4,012 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 3,354 |
| Cost of funding earning assets | 0.4502% | 4,202 |
| Net interest margin | 3.8128% | 1,569 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.6152% | 1,894 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9555% | 2,496 |
| Return on assets (ROA) | 0.9555% | 2,486 |
| Pretax return on assets | 0.9555% | 2,968 |
| Return on Equity (ROE) | 7.9900% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.1311% | 3,223 |
| Net charge-offs to loans | 0.3318% | 271 |
| Credit loss provision to net charge-offs | 27.8351% | 1,980 |
| Earnings coverage of net charge-offs (x) | 4.8660% | 2,371 |
| Efficiency ratio | 72.0710% | 1,559 |
| Assets per employee ($millions) | 5.2008% | 3,429 |
| Cash dividends to net income (ytd only)* | 48.3146% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 3,670 |
| Loan loss allowance to noncurrent loans | 92.7649% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6201% | 939 |
| Noncurrent loans to loans | 0.9922% | 820 |
| Net loans and leases to total assets | 61.9200% | 2,664 |
| Net loans and leases to deposits | 72.8217% | 2,661 |
| Net loans and leases to core deposits | 74.9893% | 2,930 |
| Total domestic deposits to total assets | 85.0300% | 2,490 |
| Equity capital to assets | 11.6584% | 1,136 |
| Core capital (leverage) ratio | 13.5935% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $62,097,500 | 4,204 |
| Average earning assets | $56,859,000 | 4,195 |
| Average equity | $7,423,250 | 4,001 |
| Average total loans | $38,978,000 | 4,023 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 3,306 |
| Cost of funding earning assets | 0.3574% | 4,230 |
| Net interest margin | 3.8369% | 1,551 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.5487% | 2,077 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0517% | 2,257 |
| Return on assets (ROA) | 1.0517% | 2,255 |
| Pretax return on assets | 1.0517% | 2,772 |
| Return on Equity (ROE) | 8.7300% | 3,054 |
| Retained earnings to average equity (ytd only) | 4.7107% | 3,023 |
| Net charge-offs to loans | 0.0821% | 772 |
| Credit loss provision to net charge-offs | 112.5000% | 1,365 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,719 |
| Efficiency ratio | 69.6649% | 1,794 |
| Assets per employee ($millions) | 5.5593% | 3,096 |
| Cash dividends to net income (ytd only)* | 46.0123% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,000 |
| Loan loss allowance to noncurrent loans | 105.1220% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6705% | 788 |
| Noncurrent loans to loans | 1.0360% | 719 |
| Net loans and leases to total assets | 64.0100% | 2,385 |
| Net loans and leases to deposits | 73.1026% | 2,572 |
| Net loans and leases to core deposits | 75.2542% | 2,809 |
| Total domestic deposits to total assets | 87.5700% | 1,760 |
| Equity capital to assets | 12.2940% | 974 |
| Core capital (leverage) ratio | 13.6984% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $61,993,333 | 4,229 |
| Average earning assets | $57,078,000 | 4,216 |
| Average equity | $7,472,333 | 4,020 |
| Average total loans | $38,969,333 | 4,037 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 3,150 |
| Cost of funding earning assets | 0.2990% | 4,196 |
| Net interest margin | 3.8447% | 1,588 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 2.6212% | 1,894 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8908% | 2,889 |
| Return on assets (ROA) | 0.8908% | 2,839 |
| Pretax return on assets | 0.8908% | 3,266 |
| Return on Equity (ROE) | 7.4600% | 3,415 |
| Retained earnings to average equity (ytd only) | 1.8256% | 3,731 |
| Net charge-offs to loans | 0.1138% | 555 |
| Credit loss provision to net charge-offs | 81.8182% | 1,204 |
| Earnings coverage of net charge-offs (x) | 13.4545% | 1,589 |
| Efficiency ratio | 73.4291% | 1,393 |
| Assets per employee ($millions) | 5.6705% | 3,052 |
| Cash dividends to net income (ytd only)* | 75.5396% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,014 |
| Loan loss allowance to noncurrent loans | 118.6111% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 889 |
| Noncurrent loans to loans | 0.9343% | 805 |
| Net loans and leases to total assets | 61.0900% | 2,548 |
| Net loans and leases to deposits | 69.5951% | 2,647 |
| Net loans and leases to core deposits | 71.5877% | 2,845 |
| Total domestic deposits to total assets | 87.7800% | 1,994 |
| Equity capital to assets | 12.1184% | 966 |
| Core capital (leverage) ratio | 12.8754% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $62,414,000 | 4,286 |
| Average earning assets | $57,533,000 | 4,267 |
| Average equity | $7,449,500 | 4,070 |
| Average total loans | $38,666,000 | 4,093 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 2,747 |
| Cost of funding earning assets | 0.3036% | 2,844 |
| Net interest margin | 3.3153% | 2,530 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.4913% | 2,148 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.6489% | 3,761 |
| Return on assets (ROA) | 0.6552% | 3,694 |
| Pretax return on assets | 0.6552% | 3,937 |
| Return on Equity (ROE) | 5.4600% | 3,938 |
| Retained earnings to average equity (ytd only) | 2.9576% | 3,732 |
| Net charge-offs to loans | 0.2726% | 286 |
| Credit loss provision to net charge-offs | 128.5714% | 1,415 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,384 |
| Efficiency ratio | 74.2938% | 1,190 |
| Assets per employee ($millions) | 5.6775% | 3,056 |
| Cash dividends to net income (ytd only)* | 45.7831% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 2,868 |
| Loan loss allowance to noncurrent loans | 106.4516% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 709 |
| Noncurrent loans to loans | 1.0386% | 699 |
| Net loans and leases to total assets | 61.4400% | 2,497 |
| Net loans and leases to deposits | 69.6786% | 2,609 |
| Net loans and leases to core deposits | 72.3659% | 2,697 |
| Total domestic deposits to total assets | 88.1800% | 2,017 |
| Equity capital to assets | 11.7530% | 1,008 |
| Core capital (leverage) ratio | 12.8732% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $63,341,400 | 4,301 |
| Average earning assets | $58,637,800 | 4,280 |
| Average equity | $7,607,600 | 4,139 |
| Average total loans | $38,512,200 | 4,093 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 2,695 |
| Cost of funding earning assets | 0.3009% | 2,154 |
| Net interest margin | 3.1744% | 2,699 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.4689% | 2,098 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.6335% | 3,740 |
| Return on assets (ROA) | 0.6419% | 3,671 |
| Pretax return on assets | 0.6419% | 3,914 |
| Return on Equity (ROE) | 5.3200% | 3,923 |
| Retained earnings to average equity (ytd only) | 2.7971% | 3,837 |
| Net charge-offs to loans | 0.0902% | 683 |
| Credit loss provision to net charge-offs | 184.6154% | 1,022 |
| Earnings coverage of net charge-offs (x) | 13.4615% | 1,886 |
| Efficiency ratio | 77.0792% | 993 |
| Assets per employee ($millions) | 5.6965% | 3,037 |
| Cash dividends to net income (ytd only)* | 47.3856% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,271 |
| Loan loss allowance to noncurrent loans | 99.7630% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 774 |
| Noncurrent loans to loans | 1.0486% | 730 |
| Net loans and leases to total assets | 63.5500% | 2,136 |
| Net loans and leases to deposits | 71.7265% | 2,233 |
| Net loans and leases to core deposits | 74.5028% | 2,311 |
| Total domestic deposits to total assets | 88.6100% | 2,242 |
| Equity capital to assets | 11.3083% | 1,066 |
| Core capital (leverage) ratio | 13.0188% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $63,563,750 | 4,335 |
| Average earning assets | $58,929,000 | 4,310 |
| Average equity | $7,674,500 | 4,174 |
| Average total loans | $38,440,000 | 4,116 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 2,664 |
| Cost of funding earning assets | 0.2997% | 1,714 |
| Net interest margin | 3.0235% | 2,817 |
| Noninterest income to average assets | 0.2411% | 3,727 |
| Noninterest expense to average assets | 2.4865% | 1,972 |
| Loan and lease loss provision to assets | 0.1253% | 777 |
| Net operating income to assets | 0.4416% | 4,023 |
| Return on assets (ROA) | 0.4541% | 3,946 |
| Pretax return on assets | 0.4541% | 4,074 |
| Return on Equity (ROE) | 3.6846% | 4,101 |
| Retained earnings to average equity (ytd only) | 1.3976% | 3,902 |
| Net charge-offs to loans | 0.1321% | 483 |
| Credit loss provision to net charge-offs | 160.0000% | 1,066 |
| Earnings coverage of net charge-offs (x) | 7.2400% | 1,862 |
| Efficiency ratio | 81.4359% | 840 |
| Assets per employee ($millions) | 5.7637% | 2,962 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,366 |
| Loan loss allowance to noncurrent loans | 188.1818% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 1,437 |
| Noncurrent loans to loans | 0.5586% | 1,503 |
| Net loans and leases to total assets | 61.4706% | 2,175 |
| Net loans and leases to deposits | 69.6456% | 2,250 |
| Net loans and leases to core deposits | 72.3155% | 2,308 |
| Total domestic deposits to total assets | 88.2620% | 2,475 |
| Equity capital to assets | 11.6654% | 972 |
| Core capital (leverage) ratio | 12.3934% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,864,333 | 4,369 |
| Average earning assets | $59,401,667 | 4,363 |
| Average equity | $7,870,667 | 4,217 |
| Average total loans | $37,838,333 | 4,179 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2391% | 2,573 |
| Cost of funding earning assets | 0.3024% | 1,636 |
| Net interest margin | 2.9367% | 2,719 |
| Noninterest income to average assets | 0.2247% | 3,815 |
| Noninterest expense to average assets | 2.3590% | 2,308 |
| Loan and lease loss provision to assets | 0.0437% | 1,571 |
| Net operating income to assets | 0.5492% | 3,559 |
| Return on assets (ROA) | 0.5741% | 3,457 |
| Pretax return on assets | 0.5741% | 3,695 |
| Return on Equity (ROE) | 4.5387% | 3,746 |
| Retained earnings to average equity (ytd only) | 2.3187% | 3,457 |
| Net charge-offs to loans | 0.0108% | 1,364 |
| Credit loss provision to net charge-offs | 700.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 690 |
| Efficiency ratio | 79.9154% | 1,163 |
| Assets per employee ($millions) | 5.5280% | 3,296 |
| Cash dividends to net income (ytd only)* | 48.9130% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 3,389 |
| Loan loss allowance to noncurrent loans | 220.1087% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 1,700 |
| Noncurrent loans to loans | 0.4932% | 1,794 |
| Net loans and leases to total assets | 55.6334% | 2,561 |
| Net loans and leases to deposits | 63.1610% | 2,608 |
| Net loans and leases to core deposits | 66.1131% | 2,623 |
| Total domestic deposits to total assets | 88.0819% | 2,487 |
| Equity capital to assets | 11.8096% | 1,019 |
| Core capital (leverage) ratio | 12.1476% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,096,000 | 4,389 |
| Average earning assets | $59,522,500 | 4,385 |
| Average equity | $8,108,000 | 4,259 |
| Average total loans | $37,064,000 | 4,205 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4185% | 2,888 |
| Cost of funding earning assets | 0.3036% | 2,379 |
| Net interest margin | 3.1148% | 2,863 |
| Noninterest income to average assets | 0.3402% | 3,378 |
| Noninterest expense to average assets | 2.5097% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7200% | 3,569 |
| Return on assets (ROA) | 0.7263% | 3,614 |
| Pretax return on assets | 0.7263% | 3,874 |
| Return on Equity (ROE) | 5.4894% | 3,884 |
| Retained earnings to average equity (ytd only) | 3.2171% | 3,542 |
| Net charge-offs to loans | 0.3689% | 229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 3.3212% | 2,552 |
| Efficiency ratio | 77.7070% | 973 |
| Assets per employee ($millions) | 5.1547% | 3,594 |
| Cash dividends to net income (ytd only)* | 41.3943% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,422 |
| Loan loss allowance to noncurrent loans | 186.4486% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 1,714 |
| Noncurrent loans to loans | 0.5812% | 1,685 |
| Net loans and leases to total assets | 58.8771% | 2,282 |
| Net loans and leases to deposits | 68.1672% | 2,298 |
| Net loans and leases to core deposits | 72.0897% | 2,249 |
| Total domestic deposits to total assets | 86.3716% | 2,772 |
| Equity capital to assets | 13.5508% | 754 |
| Core capital (leverage) ratio | 12.9785% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,193,800 | 4,410 |
| Average earning assets | $58,622,800 | 4,398 |
| Average equity | $8,361,600 | 4,303 |
| Average total loans | $37,135,200 | 4,247 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 3,032 |
| Cost of funding earning assets | 0.3031% | 2,566 |
| Net interest margin | 3.1213% | 2,997 |
| Noninterest income to average assets | 0.3589% | 3,308 |
| Noninterest expense to average assets | 2.5542% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7010% | 3,766 |
| Return on assets (ROA) | 0.7094% | 3,808 |
| Pretax return on assets | 0.7094% | 4,051 |
| Return on Equity (ROE) | 5.3929% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.0794% | 3,883 |
| Net charge-offs to loans | 0.3798% | 203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.1509% | 2,323 |
| Efficiency ratio | 78.4655% | 839 |
| Assets per employee ($millions) | 4.7112% | 3,955 |
| Cash dividends to net income (ytd only)* | 42.8994% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,383 |
| Loan loss allowance to noncurrent loans | 234.9727% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 2,021 |
| Noncurrent loans to loans | 0.4736% | 2,137 |
| Net loans and leases to total assets | 62.3828% | 1,959 |
| Net loans and leases to deposits | 72.3946% | 2,010 |
| Net loans and leases to core deposits | 76.2874% | 2,018 |
| Total domestic deposits to total assets | 86.1705% | 2,681 |
| Equity capital to assets | 13.7429% | 794 |
| Core capital (leverage) ratio | 13.0203% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,528,250 | 4,469 |
| Average earning assets | $58,948,750 | 4,451 |
| Average equity | $8,356,500 | 4,365 |
| Average total loans | $37,214,500 | 4,303 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3694% | 3,267 |
| Cost of funding earning assets | 0.3151% | 2,640 |
| Net interest margin | 3.0542% | 3,170 |
| Noninterest income to average assets | 0.4418% | 2,895 |
| Noninterest expense to average assets | 2.5945% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6813% | 3,802 |
| Return on assets (ROA) | 0.6937% | 3,842 |
| Pretax return on assets | 0.6937% | 4,079 |
| Return on Equity (ROE) | 5.3501% | 4,069 |
| Retained earnings to average equity (ytd only) | 3.1909% | 3,780 |
| Net charge-offs to loans | 0.5716% | 139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2.0857% | 2,147 |
| Efficiency ratio | 79.2023% | 834 |
| Assets per employee ($millions) | 4.7509% | 3,885 |
| Cash dividends to net income (ytd only)* | 40.3587% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,313 |
| Loan loss allowance to noncurrent loans | 261.2121% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 2,240 |
| Noncurrent loans to loans | 0.4306% | 2,389 |
| Net loans and leases to total assets | 61.3419% | 2,260 |
| Net loans and leases to deposits | 71.0367% | 2,296 |
| Net loans and leases to core deposits | 74.8085% | 2,348 |
| Total domestic deposits to total assets | 86.3524% | 2,606 |
| Equity capital to assets | 13.5617% | 810 |
| Core capital (leverage) ratio | 12.1734% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,289,000 | 4,487 |
| Average earning assets | $59,655,333 | 4,478 |
| Average equity | $8,336,333 | 4,388 |
| Average total loans | $36,740,333 | 4,340 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2361% | 3,619 |
| Cost of funding earning assets | 0.3098% | 2,887 |
| Net interest margin | 2.9263% | 3,446 |
| Noninterest income to average assets | 0.6163% | 2,142 |
| Noninterest expense to average assets | 2.6055% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7200% | 3,664 |
| Return on assets (ROA) | 0.7444% | 3,661 |
| Pretax return on assets | 0.7444% | 3,924 |
| Return on Equity (ROE) | 5.8679% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.7035% | 3,592 |
| Net charge-offs to loans | 0.1224% | 589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 10.7273% | 1,487 |
| Efficiency ratio | 78.3486% | 928 |
| Assets per employee ($millions) | 4.8322% | 3,828 |
| Cash dividends to net income (ytd only)* | 36.8852% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,960 |
| Loan loss allowance to noncurrent loans | 113.3909% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 1,368 |
| Noncurrent loans to loans | 1.2341% | 1,064 |
| Net loans and leases to total assets | 54.6792% | 3,169 |
| Net loans and leases to deposits | 66.8746% | 2,825 |
| Net loans and leases to core deposits | 70.2850% | 2,842 |
| Total domestic deposits to total assets | 81.7638% | 3,939 |
| Equity capital to assets | 12.2245% | 1,187 |
| Core capital (leverage) ratio | 11.5611% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,552,500 | 4,488 |
| Average earning assets | $60,691,000 | 4,481 |
| Average equity | $8,316,500 | 4,404 |
| Average total loans | $35,952,000 | 4,380 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 3,576 |
| Cost of funding earning assets | 0.3442% | 3,900 |
| Net interest margin | 3.3558% | 2,913 |
| Noninterest income to average assets | 0.2372% | 4,081 |
| Noninterest expense to average assets | 2.9983% | 1,441 |
| Loan and lease loss provision to assets | 0.3601% | 941 |
| Net operating income to assets | -0.0102% | 4,738 |
| Return on assets (ROA) | 0.0000% | 4,770 |
| Pretax return on assets | 0.0000% | 4,762 |
| Return on Equity (ROE) | 0.0000% | 4,770 |
| Retained earnings to average equity (ytd only) | -2.2945% | 4,727 |
| Net charge-offs to loans | 0.0756% | 1,728 |
| Credit loss provision to net charge-offs | 811.5385% | 889 |
| Earnings coverage of net charge-offs (x) | 7.8846% | 2,654 |
| Efficiency ratio | 89.5515% | 390 |
| Assets per employee ($millions) | 4.5324% | 3,883 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 1,402 |
| Loan loss allowance to noncurrent loans | 123.5023% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 1,523 |
| Noncurrent loans to loans | 1.2621% | 1,085 |
| Net loans and leases to total assets | 53.3489% | 3,545 |
| Net loans and leases to deposits | 66.3063% | 3,241 |
| Net loans and leases to core deposits | 69.1959% | 3,317 |
| Total domestic deposits to total assets | 80.4583% | 3,968 |
| Equity capital to assets | 13.1796% | 1,031 |
| Core capital (leverage) ratio | 12.3588% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,599,800 | 4,532 |
| Average earning assets | $54,323,400 | 4,523 |
| Average equity | $8,280,800 | 4,391 |
| Average total loans | $34,395,800 | 4,424 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 3,547 |
| Cost of funding earning assets | 0.3577% | 4,017 |
| Net interest margin | 3.4497% | 2,753 |
| Noninterest income to average assets | 0.2114% | 4,213 |
| Noninterest expense to average assets | 2.9135% | 1,670 |
| Loan and lease loss provision to assets | 0.2631% | 1,544 |
| Net operating income to assets | 0.2393% | 4,537 |
| Return on assets (ROA) | 0.2532% | 4,562 |
| Pretax return on assets | 0.2532% | 4,604 |
| Return on Equity (ROE) | 1.7594% | 4,589 |
| Retained earnings to average equity (ytd only) | -0.5811% | 4,564 |
| Net charge-offs to loans | 0.0930% | 1,377 |
| Credit loss provision to net charge-offs | 470.8333% | 1,333 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,455 |
| Efficiency ratio | 85.3061% | 543 |
| Assets per employee ($millions) | 3.9688% | 4,339 |
| Cash dividends to net income (ytd only)* | 133.0275% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,412 |
| Loan loss allowance to noncurrent loans | 153.3101% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 2,272 |
| Noncurrent loans to loans | 0.8125% | 1,797 |
| Net loans and leases to total assets | 58.5954% | 3,364 |
| Net loans and leases to deposits | 74.2444% | 2,930 |
| Net loans and leases to core deposits | 77.7580% | 3,031 |
| Total domestic deposits to total assets | 78.9223% | 4,066 |
| Equity capital to assets | 14.2797% | 792 |
| Core capital (leverage) ratio | 13.1800% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,386,250 | 4,561 |
| Average earning assets | $53,298,750 | 4,554 |
| Average equity | $8,260,250 | 4,413 |
| Average total loans | $34,397,750 | 4,452 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 3,710 |
| Cost of funding earning assets | 0.3768% | 4,140 |
| Net interest margin | 3.4863% | 2,835 |
| Noninterest income to average assets | 0.2012% | 4,267 |
| Noninterest expense to average assets | 2.9892% | 1,598 |
| Loan and lease loss provision to assets | 0.2329% | 1,807 |
| Net operating income to assets | 0.2117% | 4,561 |
| Return on assets (ROA) | 0.2329% | 4,568 |
| Pretax return on assets | 0.2329% | 4,603 |
| Return on Equity (ROE) | 1.6137% | 4,603 |
| Retained earnings to average equity (ytd only) | -0.8313% | 4,450 |
| Net charge-offs to loans | 0.1467% | 985 |
| Credit loss provision to net charge-offs | 264.0000% | 1,709 |
| Earnings coverage of net charge-offs (x) | 5.0400% | 2,545 |
| Efficiency ratio | 87.0504% | 496 |
| Assets per employee ($millions) | 4.0488% | 4,256 |
| Cash dividends to net income (ytd only)* | 151.5152% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,038 |
| Loan loss allowance to noncurrent loans | 117.0149% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 2,156 |
| Noncurrent loans to loans | 0.9421% | 1,644 |
| Net loans and leases to total assets | 57.9069% | 3,522 |
| Net loans and leases to deposits | 72.8976% | 3,170 |
| Net loans and leases to core deposits | 76.2483% | 3,263 |
| Total domestic deposits to total assets | 79.4359% | 3,947 |
| Equity capital to assets | 13.8971% | 878 |
| Core capital (leverage) ratio | 13.7023% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,671,000 | 4,589 |
| Average earning assets | $52,549,000 | 4,578 |
| Average equity | $8,180,000 | 4,438 |
| Average total loans | $34,089,333 | 4,477 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 3,257 |
| Cost of funding earning assets | 0.4512% | 4,145 |
| Net interest margin | 3.7359% | 2,198 |
| Noninterest income to average assets | 0.2562% | 4,007 |
| Noninterest expense to average assets | 3.1991% | 1,423 |
| Loan and lease loss provision to assets | 0.3733% | 830 |
| Net operating income to assets | 0.1391% | 4,612 |
| Return on assets (ROA) | 0.1830% | 4,557 |
| Pretax return on assets | 0.1830% | 4,587 |
| Return on Equity (ROE) | 1.2422% | 4,590 |
| Retained earnings to average equity (ytd only) | -1.4907% | 4,200 |
| Net charge-offs to loans | 0.1559% | 830 |
| Credit loss provision to net charge-offs | 392.3077% | 1,023 |
| Earnings coverage of net charge-offs (x) | 5.3846% | 2,063 |
| Efficiency ratio | 86.1933% | 689 |
| Assets per employee ($millions) | 3.6040% | 4,382 |
| Cash dividends to net income (ytd only)* | 220.0000% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 2,736 |
| Loan loss allowance to noncurrent loans | 108.3565% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 1,828 |
| Noncurrent loans to loans | 1.0962% | 1,516 |
| Net loans and leases to total assets | 59.8594% | 3,508 |
| Net loans and leases to deposits | 70.2653% | 3,568 |
| Net loans and leases to core deposits | 74.1981% | 3,619 |
| Total domestic deposits to total assets | 85.1905% | 2,339 |
| Equity capital to assets | 14.7077% | 835 |
| Core capital (leverage) ratio | 14.2377% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,640,500 | 4,629 |
| Average earning assets | $50,537,000 | 4,630 |
| Average equity | $8,050,000 | 4,477 |
| Average total loans | $33,354,000 | 4,524 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 3,396 |
| Cost of funding earning assets | 0.5160% | 4,017 |
| Net interest margin | 3.8332% | 2,394 |
| Noninterest income to average assets | 0.3493% | 3,612 |
| Noninterest expense to average assets | 3.0265% | 1,950 |
| Loan and lease loss provision to assets | 0.2052% | 983 |
| Net operating income to assets | 0.6751% | 3,936 |
| Return on assets (ROA) | 0.6427% | 4,103 |
| Pretax return on assets | 0.6427% | 4,344 |
| Return on Equity (ROE) | 4.3416% | 4,387 |
| Retained earnings to average equity (ytd only) | -7.5765% | 5,037 |
| Net charge-offs to loans | 0.4350% | 439 |
| Credit loss provision to net charge-offs | 74.5098% | 2,859 |
| Earnings coverage of net charge-offs (x) | 3.1961% | 3,348 |
| Efficiency ratio | 77.4654% | 1,213 |
| Assets per employee ($millions) | 3.6814% | 4,285 |
| Cash dividends to net income (ytd only)* | 274.5098% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,304 |
| Loan loss allowance to noncurrent loans | 70.7661% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 1,365 |
| Noncurrent loans to loans | 1.4606% | 998 |
| Net loans and leases to total assets | 60.8609% | 3,518 |
| Net loans and leases to deposits | 71.4441% | 3,553 |
| Net loans and leases to core deposits | 78.8865% | 3,384 |
| Total domestic deposits to total assets | 85.1868% | 2,426 |
| Equity capital to assets | 14.7571% | 860 |
| Core capital (leverage) ratio | 14.2397% | 869 |
| Tier 1 risk-based capital ratio | 23.2999% | 890 |
| Total risk-based capital ratio | 24.3288% | 889 |
| Memoranda: | ||
| Average total assets | $55,543,600 | 4,657 |
| Average earning assets | $51,549,600 | 4,645 |
| Average equity | $8,222,800 | 4,482 |
| Average total loans | $35,172,200 | 4,528 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 3,410 |
| Cost of funding earning assets | 0.5186% | 4,070 |
| Net interest margin | 3.8654% | 2,384 |
| Noninterest income to average assets | 0.3212% | 3,825 |
| Noninterest expense to average assets | 3.0298% | 1,891 |
| Loan and lease loss provision to assets | 0.2493% | 657 |
| Net operating income to assets | 0.6328% | 4,205 |
| Return on assets (ROA) | 0.6328% | 4,256 |
| Pretax return on assets | 0.6328% | 4,486 |
| Return on Equity (ROE) | 4.2711% | 4,535 |
| Retained earnings to average equity (ytd only) | -10.1277% | 5,146 |
| Net charge-offs to loans | 0.5412% | 307 |
| Credit loss provision to net charge-offs | 72.2222% | 2,593 |
| Earnings coverage of net charge-offs (x) | 2.5555% | 3,185 |
| Efficiency ratio | 77.4510% | 1,158 |
| Assets per employee ($millions) | 3.8846% | 4,049 |
| Cash dividends to net income (ytd only)* | 337.1232% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,650 |
| Loan loss allowance to noncurrent loans | 78.6517% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.9470% | 1,426 |
| Noncurrent loans to loans | 1.2545% | 1,244 |
| Net loans and leases to total assets | 64.5797% | 3,226 |
| Net loans and leases to deposits | 76.0475% | 3,288 |
| Net loans and leases to core deposits | 84.1161% | 3,084 |
| Total domestic deposits to total assets | 84.9202% | 2,451 |
| Equity capital to assets | 15.0210% | 841 |
| Core capital (leverage) ratio | 14.4197% | 873 |
| Tier 1 risk-based capital ratio | 22.4375% | 1,020 |
| Total risk-based capital ratio | 23.4258% | 1,017 |
| Memoranda: | ||
| Average total assets | $55,624,250 | 4,721 |
| Average earning assets | $51,671,000 | 4,711 |
| Average equity | $8,241,250 | 4,533 |
| Average total loans | $35,475,500 | 4,579 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 3,569 |
| Cost of funding earning assets | 0.5077% | 4,087 |
| Net interest margin | 3.8153% | 2,536 |
| Noninterest income to average assets | 0.3141% | 3,830 |
| Noninterest expense to average assets | 3.0551% | 1,850 |
| Loan and lease loss provision to assets | 0.2356% | 678 |
| Net operating income to assets | 0.5639% | 4,397 |
| Return on assets (ROA) | 0.5639% | 4,430 |
| Pretax return on assets | 0.5639% | 4,605 |
| Return on Equity (ROE) | 3.8232% | 4,625 |
| Retained earnings to average equity (ytd only) | -6.8237% | 5,117 |
| Net charge-offs to loans | 0.2762% | 614 |
| Credit loss provision to net charge-offs | 134.6939% | 1,618 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 2,727 |
| Efficiency ratio | 79.2593% | 1,032 |
| Assets per employee ($millions) | 3.9776% | 3,893 |
| Cash dividends to net income (ytd only)* | 278.4810% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 2,813 |
| Loan loss allowance to noncurrent loans | 51.5843% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 829 |
| Noncurrent loans to loans | 2.2197% | 604 |
| Net loans and leases to total assets | 63.1002% | 3,439 |
| Net loans and leases to deposits | 74.4560% | 3,482 |
| Net loans and leases to core deposits | 82.6426% | 3,230 |
| Total domestic deposits to total assets | 84.7484% | 2,579 |
| Equity capital to assets | 15.1385% | 776 |
| Core capital (leverage) ratio | 14.9787% | 711 |
| Tier 1 risk-based capital ratio | 23.3543% | 909 |
| Total risk-based capital ratio | 24.5007% | 895 |
| Memoranda: | ||
| Average total assets | $56,037,670 | 4,752 |
| Average earning assets | $52,001,330 | 4,745 |
| Average equity | $8,265,330 | 4,547 |
| Average total loans | $35,477,000 | 4,610 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 3,299 |
| Cost of funding earning assets | 0.4366% | 4,340 |
| Net interest margin | 3.9445% | 2,046 |
| Noninterest income to average assets | 0.2775% | 4,026 |
| Noninterest expense to average assets | 3.1807% | 1,539 |
| Loan and lease loss provision to assets | 0.2206% | 707 |
| Net operating income to assets | 0.5408% | 4,404 |
| Return on assets (ROA) | 0.5408% | 4,432 |
| Pretax return on assets | 0.5408% | 4,606 |
| Return on Equity (ROE) | 3.7150% | 4,634 |
| Retained earnings to average equity (ytd only) | -15.3489% | 5,209 |
| Net charge-offs to loans | 0.1241% | 1,002 |
| Credit loss provision to net charge-offs | 281.8182% | 860 |
| Earnings coverage of net charge-offs (x) | 9.7273% | 2,002 |
| Efficiency ratio | 80.6859% | 988 |
| Assets per employee ($millions) | 3.6833% | 4,363 |
| Cash dividends to net income (ytd only)* | 513.1579% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,822 |
| Loan loss allowance to noncurrent loans | 92.7602% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 1,769 |
| Noncurrent loans to loans | 1.2450% | 1,324 |
| Net loans and leases to total assets | 63.5149% | 3,345 |
| Net loans and leases to deposits | 74.5766% | 3,398 |
| Net loans and leases to core deposits | 82.2193% | 3,168 |
| Total domestic deposits to total assets | 85.1674% | 2,613 |
| Equity capital to assets | 14.7186% | 822 |
| Core capital (leverage) ratio | 14.7612% | 751 |
| Tier 1 risk-based capital ratio | 23.3673% | 900 |
| Total risk-based capital ratio | 24.5274% | 886 |
| Memoranda: | ||
| Average total assets | $56,213,500 | 4,803 |
| Average earning assets | $52,224,000 | 4,790 |
| Average equity | $8,183,000 | 4,595 |
| Average total loans | $35,443,000 | 4,653 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 3,082 |
| Cost of funding earning assets | 0.4918% | 3,412 |
| Net interest margin | 3.8156% | 2,612 |
| Noninterest income to average assets | 0.3862% | 3,521 |
| Noninterest expense to average assets | 3.1218% | 1,743 |
| Loan and lease loss provision to assets | 0.1078% | 2,044 |
| Net operating income to assets | 0.6826% | 4,191 |
| Return on assets (ROA) | 0.6915% | 4,165 |
| Pretax return on assets | 0.6915% | 4,434 |
| Return on Equity (ROE) | 4.7519% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.2217% | 4,272 |
| Net charge-offs to loans | 0.1951% | 986 |
| Credit loss provision to net charge-offs | 85.7143% | 2,775 |
| Earnings coverage of net charge-offs (x) | 6.2857% | 3,102 |
| Efficiency ratio | 79.7980% | 976 |
| Assets per employee ($millions) | 3.5736% | 4,475 |
| Cash dividends to net income (ytd only)* | 53.2468% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,085 |
| Loan loss allowance to noncurrent loans | 78.9474% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 1,616 |
| Noncurrent loans to loans | 1.3961% | 1,118 |
| Net loans and leases to total assets | 61.2029% | 3,649 |
| Net loans and leases to deposits | 71.5609% | 3,707 |
| Net loans and leases to core deposits | 78.2496% | 3,557 |
| Total domestic deposits to total assets | 85.5256% | 2,429 |
| Equity capital to assets | 14.4009% | 867 |
| Core capital (leverage) ratio | 15.2415% | 634 |
| Tier 1 risk-based capital ratio | 24.2393% | 808 |
| Total risk-based capital ratio | 25.3422% | 799 |
| Memoranda: | ||
| Average total assets | $55,673,200 | 4,840 |
| Average earning assets | $51,446,600 | 4,828 |
| Average equity | $8,102,000 | 4,592 |
| Average total loans | $35,886,400 | 4,665 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 2,647 |
| Cost of funding earning assets | 0.4989% | 3,209 |
| Net interest margin | 3.8944% | 2,326 |
| Noninterest income to average assets | 0.3424% | 3,856 |
| Noninterest expense to average assets | 3.1755% | 1,582 |
| Loan and lease loss provision to assets | 0.1133% | 1,793 |
| Net operating income to assets | 0.6486% | 4,370 |
| Return on assets (ROA) | 0.6727% | 4,325 |
| Pretax return on assets | 0.6727% | 4,598 |
| Return on Equity (ROE) | 4.6101% | 4,670 |
| Retained earnings to average equity (ytd only) | 2.1316% | 4,528 |
| Net charge-offs to loans | 0.2555% | 658 |
| Credit loss provision to net charge-offs | 68.1159% | 2,652 |
| Earnings coverage of net charge-offs (x) | 4.5796% | 3,043 |
| Efficiency ratio | 80.6491% | 888 |
| Assets per employee ($millions) | 3.4853% | 4,577 |
| Cash dividends to net income (ytd only)* | 53.7649% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 3,556 |
| Loan loss allowance to noncurrent loans | 97.9275% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 2,123 |
| Noncurrent loans to loans | 1.0575% | 1,612 |
| Net loans and leases to total assets | 64.7801% | 3,335 |
| Net loans and leases to deposits | 75.5906% | 3,447 |
| Net loans and leases to core deposits | 82.8988% | 3,258 |
| Total domestic deposits to total assets | 85.6987% | 2,330 |
| Equity capital to assets | 14.2583% | 888 |
| Core capital (leverage) ratio | 15.4787% | 600 |
| Tier 1 risk-based capital ratio | 23.1965% | 918 |
| Total risk-based capital ratio | 24.2255% | 915 |
| Memoranda: | ||
| Average total assets | $55,297,250 | 4,903 |
| Average earning assets | $51,046,000 | 4,884 |
| Average equity | $8,069,000 | 4,642 |
| Average total loans | $36,012,000 | 4,708 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 2,560 |
| Cost of funding earning assets | 0.5219% | 2,820 |
| Net interest margin | 3.8341% | 2,434 |
| Noninterest income to average assets | 0.3409% | 3,900 |
| Noninterest expense to average assets | 3.1446% | 1,679 |
| Loan and lease loss provision to assets | 0.1415% | 1,381 |
| Net operating income to assets | 0.5985% | 4,498 |
| Return on assets (ROA) | 0.6347% | 4,402 |
| Pretax return on assets | 0.6347% | 4,676 |
| Return on Equity (ROE) | 4.3165% | 4,743 |
| Retained earnings to average equity (ytd only) | 1.8499% | 4,501 |
| Net charge-offs to loans | 0.3738% | 424 |
| Credit loss provision to net charge-offs | 58.2090% | 2,439 |
| Earnings coverage of net charge-offs (x) | 3.0448% | 2,917 |
| Efficiency ratio | 80.9524% | 923 |
| Assets per employee ($millions) | 3.4592% | 4,649 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,716 |
| Loan loss allowance to noncurrent loans | 129.6167% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 2,430 |
| Noncurrent loans to loans | 0.7869% | 2,153 |
| Net loans and leases to total assets | 65.2230% | 3,248 |
| Net loans and leases to deposits | 76.5296% | 3,285 |
| Net loans and leases to core deposits | 84.0332% | 3,079 |
| Total domestic deposits to total assets | 85.2259% | 2,590 |
| Equity capital to assets | 14.6386% | 773 |
| Core capital (leverage) ratio | 15.4333% | 580 |
| Tier 1 risk-based capital ratio | 23.1554% | 919 |
| Total risk-based capital ratio | 24.1727% | 925 |
| Memoranda: | ||
| Average total assets | $55,141,670 | 4,959 |
| Average earning assets | $50,964,000 | 4,951 |
| Average equity | $8,108,330 | 4,676 |
| Average total loans | $35,848,670 | 4,757 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 2,260 |
| Cost of funding earning assets | 0.5497% | 2,406 |
| Net interest margin | 3.8320% | 2,292 |
| Noninterest income to average assets | 0.3270% | 3,966 |
| Noninterest expense to average assets | 3.1469% | 1,699 |
| Loan and lease loss provision to assets | 0.1163% | 1,630 |
| Net operating income to assets | 0.6105% | 4,395 |
| Return on assets (ROA) | 0.6832% | 4,164 |
| Pretax return on assets | 0.6832% | 4,492 |
| Return on Equity (ROE) | 4.6354% | 4,599 |
| Retained earnings to average equity (ytd only) | 2.1698% | 4,298 |
| Net charge-offs to loans | 0.1126% | 1,101 |
| Credit loss provision to net charge-offs | 160.0000% | 1,188 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,926 |
| Efficiency ratio | 81.2383% | 1,023 |
| Assets per employee ($millions) | 3.4559% | 4,716 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 3,169 |
| Loan loss allowance to noncurrent loans | 99.5098% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 1,912 |
| Noncurrent loans to loans | 1.1412% | 1,603 |
| Net loans and leases to total assets | 63.9238% | 3,319 |
| Net loans and leases to deposits | 74.9364% | 3,324 |
| Net loans and leases to core deposits | 82.2746% | 3,120 |
| Total domestic deposits to total assets | 85.3040% | 2,827 |
| Equity capital to assets | 14.5875% | 757 |
| Core capital (leverage) ratio | 15.2870% | 596 |
| Tier 1 risk-based capital ratio | 23.6197% | 878 |
| Total risk-based capital ratio | 24.7564% | 872 |
| Memoranda: | ||
| Average total assets | $55,039,000 | 5,020 |
| Average earning assets | $50,939,000 | 5,010 |
| Average equity | $8,111,500 | 4,725 |
| Average total loans | $35,537,500 | 4,812 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,277 |
| Cost of funding earning assets | 0.6024% | 1,582 |
| Net interest margin | 3.7116% | 2,757 |
| Noninterest income to average assets | 0.2960% | 4,335 |
| Noninterest expense to average assets | 2.9901% | 2,190 |
| Loan and lease loss provision to assets | 0.6345% | 198 |
| Net operating income to assets | 0.1329% | 5,216 |
| Return on assets (ROA) | 0.1542% | 5,196 |
| Pretax return on assets | 0.1542% | 5,349 |
| Return on Equity (ROE) | 1.0662% | 5,229 |
| Retained earnings to average equity (ytd only) | -1.9976% | 5,282 |
| Net charge-offs to loans | 0.4238% | 581 |
| Credit loss provision to net charge-offs | 235.5263% | 1,180 |
| Earnings coverage of net charge-offs (x) | 2.8487% | 3,689 |
| Efficiency ratio | 79.5755% | 1,146 |
| Assets per employee ($millions) | 3.9131% | 4,104 |
| Cash dividends to net income (ytd only)* | 287.3563% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,174 |
| Loan loss allowance to noncurrent loans | 162.6016% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 2,757 |
| Noncurrent loans to loans | 0.6964% | 2,465 |
| Net loans and leases to total assets | 63.7467% | 3,393 |
| Net loans and leases to deposits | 75.1938% | 3,413 |
| Net loans and leases to core deposits | 82.6795% | 3,182 |
| Total domestic deposits to total assets | 84.7766% | 2,919 |
| Equity capital to assets | 14.8894% | 702 |
| Core capital (leverage) ratio | 15.0478% | 609 |
| Tier 1 risk-based capital ratio | 23.5803% | 852 |
| Total risk-based capital ratio | 24.7043% | 848 |
| Memoranda: | ||
| Average total assets | $56,419,800 | 5,039 |
| Average earning assets | $52,618,800 | 5,021 |
| Average equity | $8,159,600 | 4,758 |
| Average total loans | $35,861,800 | 4,850 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 2,233 |
| Cost of funding earning assets | 0.6084% | 1,473 |
| Net interest margin | 3.7033% | 2,748 |
| Noninterest income to average assets | 0.2956% | 4,418 |
| Noninterest expense to average assets | 2.9538% | 2,239 |
| Loan and lease loss provision to assets | 0.7414% | 152 |
| Net operating income to assets | 0.0563% | 5,478 |
| Return on assets (ROA) | 0.0563% | 5,483 |
| Pretax return on assets | 0.0563% | 5,484 |
| Return on Equity (ROE) | 0.3921% | 5,491 |
| Retained earnings to average equity (ytd only) | -2.8756% | 5,478 |
| Net charge-offs to loans | 0.3482% | 607 |
| Credit loss provision to net charge-offs | 336.1702% | 890 |
| Earnings coverage of net charge-offs (x) | 3.6170% | 3,317 |
| Efficiency ratio | 78.7367% | 1,241 |
| Assets per employee ($millions) | 3.6907% | 4,459 |
| Cash dividends to net income (ytd only)* | 833.3125% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,345 |
| Loan loss allowance to noncurrent loans | 108.6162% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 2,407 |
| Noncurrent loans to loans | 1.0356% | 1,867 |
| Net loans and leases to total assets | 66.0513% | 3,095 |
| Net loans and leases to deposits | 78.4779% | 3,119 |
| Net loans and leases to core deposits | 86.3200% | 2,936 |
| Total domestic deposits to total assets | 84.1655% | 3,060 |
| Equity capital to assets | 14.8158% | 776 |
| Core capital (leverage) ratio | 15.1013% | 641 |
| Tier 1 risk-based capital ratio | 22.7841% | 963 |
| Total risk-based capital ratio | 23.9152% | 961 |
| Memoranda: | ||
| Average total assets | $56,828,750 | 5,086 |
| Average earning assets | $53,032,250 | 5,068 |
| Average equity | $8,160,250 | 4,810 |
| Average total loans | $35,996,500 | 4,894 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 2,152 |
| Cost of funding earning assets | 0.6086% | 1,390 |
| Net interest margin | 3.6857% | 2,701 |
| Noninterest income to average assets | 0.2857% | 4,511 |
| Noninterest expense to average assets | 2.8469% | 2,594 |
| Loan and lease loss provision to assets | 0.2997% | 513 |
| Net operating income to assets | 0.5575% | 4,485 |
| Return on assets (ROA) | 0.5575% | 4,532 |
| Pretax return on assets | 0.5575% | 4,888 |
| Return on Equity (ROE) | 3.8915% | 4,851 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,071 |
| Net charge-offs to loans | -0.0112% | 4,581 |
| Credit loss provision to net charge-offs | -4,300.0000% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8579% | 1,600 |
| Assets per employee ($millions) | 4.0751% | 3,838 |
| Cash dividends to net income (ytd only)* | 100.0000% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7749% | 5,006 |
| Loan loss allowance to noncurrent loans | 96.2457% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 2,675 |
| Noncurrent loans to loans | 0.8051% | 2,386 |
| Net loans and leases to total assets | 63.2949% | 3,483 |
| Net loans and leases to deposits | 74.6141% | 3,485 |
| Net loans and leases to core deposits | 81.7620% | 3,273 |
| Total domestic deposits to total assets | 84.8296% | 2,877 |
| Equity capital to assets | 14.7076% | 766 |
| Core capital (leverage) ratio | 14.8151% | 676 |
| Tier 1 risk-based capital ratio | 23.1385% | 931 |
| Total risk-based capital ratio | 23.9012% | 964 |
| Memoranda: | ||
| Average total assets | $57,395,000 | 5,112 |
| Average earning assets | $53,233,330 | 5,100 |
| Average equity | $8,223,000 | 4,822 |
| Average total loans | $35,668,000 | 4,935 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 1,969 |
| Cost of funding earning assets | 0.6357% | 1,154 |
| Net interest margin | 3.6574% | 2,665 |
| Noninterest income to average assets | 0.2918% | 4,469 |
| Noninterest expense to average assets | 2.9601% | 2,273 |
| Loan and lease loss provision to assets | 0.0417% | 2,968 |
| Net operating income to assets | 0.6879% | 3,757 |
| Return on assets (ROA) | 0.6879% | 3,795 |
| Pretax return on assets | 0.6879% | 4,487 |
| Return on Equity (ROE) | 4.8655% | 4,449 |
| Retained earnings to average equity (ytd only) | 1.4252% | 4,532 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2260% | 1,356 |
| Assets per employee ($millions) | 3.6286% | 4,604 |
| Cash dividends to net income (ytd only)* | 70.7071% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5705% | 5,521 |
| Loan loss allowance to noncurrent loans | 93.4579% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 3,153 |
| Noncurrent loans to loans | 0.6105% | 2,994 |
| Net loans and leases to total assets | 60.0375% | 3,782 |
| Net loans and leases to deposits | 70.2317% | 3,770 |
| Net loans and leases to core deposits | 76.7703% | 3,577 |
| Total domestic deposits to total assets | 85.4850% | 2,890 |
| Equity capital to assets | 14.1551% | 861 |
| Core capital (leverage) ratio | 14.7715% | 651 |
| Tier 1 risk-based capital ratio | 24.1436% | 851 |
| Total risk-based capital ratio | 24.7061% | 912 |
| Memoranda: | ||
| Average total assets | $57,566,500 | 5,163 |
| Average earning assets | $53,480,500 | 5,150 |
| Average equity | $8,139,000 | 4,874 |
| Average total loans | $35,305,500 | 4,988 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 2,622 |
| Cost of funding earning assets | 0.4482% | 2,554 |
| Net interest margin | 3.7126% | 2,635 |
| Noninterest income to average assets | 0.1369% | 5,505 |
| Noninterest expense to average assets | 2.9352% | 2,547 |
| Loan and lease loss provision to assets | 0.1061% | 2,280 |
| Net operating income to assets | 0.5545% | 4,416 |
| Return on assets (ROA) | 0.5631% | 4,475 |
| Pretax return on assets | 0.5631% | 4,889 |
| Return on Equity (ROE) | 4.0328% | 4,823 |
| Retained earnings to average equity (ytd only) | 1.3361% | 4,741 |
| Net charge-offs to loans | 0.2609% | 1,062 |
| Credit loss provision to net charge-offs | 65.2632% | 3,178 |
| Earnings coverage of net charge-offs (x) | 4.0632% | 3,565 |
| Efficiency ratio | 81.6278% | 1,247 |
| Assets per employee ($millions) | 3.5673% | 4,659 |
| Cash dividends to net income (ytd only)* | 66.8693% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5456% | 5,607 |
| Loan loss allowance to noncurrent loans | 73.2075% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 2,875 |
| Noncurrent loans to loans | 0.7453% | 2,665 |
| Net loans and leases to total assets | 61.9542% | 3,614 |
| Net loans and leases to deposits | 72.4819% | 3,660 |
| Net loans and leases to core deposits | 79.8091% | 3,408 |
| Total domestic deposits to total assets | 85.4755% | 2,843 |
| Equity capital to assets | 14.1215% | 850 |
| Core capital (leverage) ratio | 14.7653% | 641 |
| Tier 1 risk-based capital ratio | 23.8148% | 887 |
| Total risk-based capital ratio | 24.3549% | 941 |
| Memoranda: | ||
| Average total assets | $58,428,800 | 5,176 |
| Average earning assets | $54,435,800 | 5,162 |
| Average equity | $8,158,200 | 4,905 |
| Average total loans | $36,409,200 | 5,007 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 2,629 |
| Cost of funding earning assets | 0.4479% | 2,573 |
| Net interest margin | 3.7172% | 2,650 |
| Noninterest income to average assets | 0.1270% | 5,615 |
| Noninterest expense to average assets | 2.9472% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6443% | 4,107 |
| Return on assets (ROA) | 0.6489% | 4,210 |
| Pretax return on assets | 0.6489% | 4,747 |
| Return on Equity (ROE) | 4.6600% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.8901% | 4,738 |
| Net charge-offs to loans | 0.1274% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.1136% | 2,809 |
| Efficiency ratio | 82.0594% | 1,180 |
| Assets per employee ($millions) | 3.6171% | 4,617 |
| Cash dividends to net income (ytd only)* | 59.4409% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5269% | 5,706 |
| Loan loss allowance to noncurrent loans | 44.9649% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 2,355 |
| Noncurrent loans to loans | 1.1718% | 1,911 |
| Net loans and leases to total assets | 62.6354% | 3,563 |
| Net loans and leases to deposits | 74.0183% | 3,597 |
| Net loans and leases to core deposits | 81.5446% | 3,321 |
| Total domestic deposits to total assets | 84.6215% | 2,977 |
| Equity capital to assets | 14.3227% | 924 |
| Core capital (leverage) ratio | 15.0504% | 621 |
| Tier 1 risk-based capital ratio | 23.1606% | 990 |
| Total risk-based capital ratio | 23.6799% | 1,053 |
| Memoranda: | ||
| Average total assets | $58,767,000 | 5,209 |
| Average earning assets | $54,771,500 | 5,195 |
| Average equity | $8,182,750 | 4,952 |
| Average total loans | $36,622,750 | 5,036 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 2,798 |
| Cost of funding earning assets | 0.4424% | 2,636 |
| Net interest margin | 3.6738% | 2,804 |
| Noninterest income to average assets | 0.1117% | 5,736 |
| Noninterest expense to average assets | 2.9120% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6298% | 4,146 |
| Return on assets (ROA) | 0.6366% | 4,256 |
| Pretax return on assets | 0.6366% | 4,799 |
| Return on Equity (ROE) | 4.6150% | 4,672 |
| Retained earnings to average equity (ytd only) | 1.4238% | 4,807 |
| Net charge-offs to loans | 0.1254% | 1,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.0870% | 2,553 |
| Efficiency ratio | 82.2180% | 1,246 |
| Assets per employee ($millions) | 3.5984% | 4,598 |
| Cash dividends to net income (ytd only)* | 69.1489% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5670% | 5,720 |
| Loan loss allowance to noncurrent loans | 27.8308% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 1.4138% | 1,380 |
| Noncurrent loans to loans | 2.0374% | 967 |
| Net loans and leases to total assets | 62.1346% | 3,612 |
| Net loans and leases to deposits | 73.4262% | 3,661 |
| Net loans and leases to core deposits | 80.9293% | 3,372 |
| Total domestic deposits to total assets | 84.6218% | 3,036 |
| Equity capital to assets | 14.2284% | 953 |
| Core capital (leverage) ratio | 14.7095% | 666 |
| Tier 1 risk-based capital ratio | 23.2674% | 983 |
| Total risk-based capital ratio | 23.8255% | 1,053 |
| Memoranda: | ||
| Average total assets | $59,065,000 | 5,259 |
| Average earning assets | $55,147,670 | 5,246 |
| Average equity | $8,147,330 | 5,000 |
| Average total loans | $36,683,330 | 5,084 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 2,762 |
| Cost of funding earning assets | 0.4445% | 2,640 |
| Net interest margin | 3.6783% | 2,762 |
| Noninterest income to average assets | 0.0936% | 5,844 |
| Noninterest expense to average assets | 2.8156% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7089% | 3,671 |
| Return on assets (ROA) | 0.7223% | 3,722 |
| Pretax return on assets | 0.7223% | 4,446 |
| Return on Equity (ROE) | 5.3169% | 4,330 |
| Retained earnings to average equity (ytd only) | 1.3785% | 4,708 |
| Net charge-offs to loans | 0.2484% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.6087% | 2,406 |
| Efficiency ratio | 79.8861% | 1,621 |
| Assets per employee ($millions) | 3.6208% | 4,611 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5534% | 5,816 |
| Loan loss allowance to noncurrent loans | 30.0885% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.3101% | 1,635 |
| Noncurrent loans to loans | 1.8391% | 1,204 |
| Net loans and leases to total assets | 63.2817% | 3,345 |
| Net loans and leases to deposits | 74.3616% | 3,399 |
| Net loans and leases to core deposits | 81.8509% | 3,142 |
| Total domestic deposits to total assets | 85.1000% | 3,092 |
| Equity capital to assets | 13.9454% | 1,003 |
| Core capital (leverage) ratio | 14.5090% | 698 |
| Tier 1 risk-based capital ratio | 22.6414% | 1,067 |
| Total risk-based capital ratio | 23.1865% | 1,146 |
| Memoranda: | ||
| Average total assets | $59,810,000 | 5,292 |
| Average earning assets | $55,787,000 | 5,274 |
| Average equity | $8,125,000 | 5,033 |
| Average total loans | $37,036,000 | 5,112 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 2,805 |
| Cost of funding earning assets | 0.4848% | 2,311 |
| Net interest margin | 3.6465% | 2,954 |
| Noninterest income to average assets | 0.1483% | 5,670 |
| Noninterest expense to average assets | 2.9112% | 2,822 |
| Loan and lease loss provision to assets | 0.0460% | 3,407 |
| Net operating income to assets | 0.6272% | 4,152 |
| Return on assets (ROA) | 0.6170% | 4,288 |
| Pretax return on assets | 0.6170% | 4,788 |
| Return on Equity (ROE) | 4.5250% | 4,732 |
| Retained earnings to average equity (ytd only) | 1.5125% | 4,862 |
| Net charge-offs to loans | 0.1895% | 1,529 |
| Credit loss provision to net charge-offs | 39.1304% | 3,539 |
| Earnings coverage of net charge-offs (x) | 5.7246% | 3,336 |
| Efficiency ratio | 81.2173% | 1,506 |
| Assets per employee ($millions) | 3.8554% | 4,199 |
| Cash dividends to net income (ytd only)* | 66.5746% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6101% | 5,785 |
| Loan loss allowance to noncurrent loans | 41.8048% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 2,171 |
| Noncurrent loans to loans | 1.4594% | 1,601 |
| Net loans and leases to total assets | 59.9478% | 3,846 |
| Net loans and leases to deposits | 69.5243% | 3,968 |
| Net loans and leases to core deposits | 75.9639% | 3,758 |
| Total domestic deposits to total assets | 86.2256% | 2,523 |
| Equity capital to assets | 13.2459% | 1,235 |
| Core capital (leverage) ratio | 14.3676% | 742 |
| Tier 1 risk-based capital ratio | 22.1210% | 1,127 |
| Total risk-based capital ratio | 22.7155% | 1,202 |
| Memoranda: | ||
| Average total assets | $58,670,400 | 5,350 |
| Average earning assets | $55,285,800 | 5,317 |
| Average equity | $8,000,000 | 5,063 |
| Average total loans | $36,420,400 | 5,138 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 2,761 |
| Cost of funding earning assets | 0.4956% | 2,255 |
| Net interest margin | 3.6515% | 2,956 |
| Noninterest income to average assets | 0.1335% | 5,817 |
| Noninterest expense to average assets | 2.8869% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7067% | 3,871 |
| Return on assets (ROA) | 0.6929% | 4,041 |
| Pretax return on assets | 0.6929% | 4,703 |
| Return on Equity (ROE) | 5.0435% | 4,606 |
| Retained earnings to average equity (ytd only) | 2.0275% | 4,866 |
| Net charge-offs to loans | 0.2098% | 1,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.3858% | 3,212 |
| Efficiency ratio | 80.3331% | 1,614 |
| Assets per employee ($millions) | 3.6211% | 4,573 |
| Cash dividends to net income (ytd only)* | 59.8002% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5691% | 5,940 |
| Loan loss allowance to noncurrent loans | 24.7953% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 1.5379% | 1,451 |
| Noncurrent loans to loans | 2.2951% | 934 |
| Net loans and leases to total assets | 63.9350% | 3,318 |
| Net loans and leases to deposits | 74.8217% | 3,446 |
| Net loans and leases to core deposits | 81.2271% | 3,325 |
| Total domestic deposits to total assets | 85.4497% | 2,806 |
| Equity capital to assets | 13.7977% | 1,102 |
| Core capital (leverage) ratio | 14.8817% | 658 |
| Tier 1 risk-based capital ratio | 22.3308% | 1,148 |
| Total risk-based capital ratio | 22.8908% | 1,220 |
| Memoranda: | ||
| Average total assets | $57,916,250 | 5,432 |
| Average earning assets | $54,879,500 | 5,390 |
| Average equity | $7,957,250 | 5,137 |
| Average total loans | $36,223,750 | 5,206 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 2,921 |
| Cost of funding earning assets | 0.4939% | 2,307 |
| Net interest margin | 3.5992% | 3,098 |
| Noninterest income to average assets | 0.1347% | 5,884 |
| Noninterest expense to average assets | 2.7768% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7805% | 3,483 |
| Return on assets (ROA) | 0.7598% | 3,694 |
| Pretax return on assets | 0.7598% | 4,455 |
| Return on Equity (ROE) | 5.5381% | 4,355 |
| Retained earnings to average equity (ytd only) | 2.5173% | 4,449 |
| Net charge-offs to loans | 0.3066% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.1091% | 3,089 |
| Efficiency ratio | 78.0583% | 2,064 |
| Assets per employee ($millions) | 3.4948% | 4,796 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5924% | 5,986 |
| Loan loss allowance to noncurrent loans | 31.5169% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 1,968 |
| Noncurrent loans to loans | 1.8796% | 1,335 |
| Net loans and leases to total assets | 64.2220% | 3,240 |
| Net loans and leases to deposits | 75.2741% | 3,351 |
| Net loans and leases to core deposits | 81.9811% | 3,178 |
| Total domestic deposits to total assets | 85.3175% | 3,002 |
| Equity capital to assets | 14.2032% | 912 |
| Core capital (leverage) ratio | 14.6598% | 676 |
| Tier 1 risk-based capital ratio | 23.1602% | 1,059 |
| Total risk-based capital ratio | 23.7485% | 1,117 |
| Memoranda: | ||
| Average total assets | $57,909,330 | 5,488 |
| Average earning assets | $55,068,000 | 5,437 |
| Average equity | $7,945,000 | 5,180 |
| Average total loans | $35,880,330 | 5,261 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 3,139 |
| Cost of funding earning assets | 0.5075% | 2,225 |
| Net interest margin | 3.5170% | 3,360 |
| Noninterest income to average assets | 0.1494% | 5,844 |
| Noninterest expense to average assets | 2.7366% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7537% | 3,515 |
| Return on assets (ROA) | 0.7130% | 3,863 |
| Pretax return on assets | 0.7130% | 4,551 |
| Return on Equity (ROE) | 5.2853% | 4,388 |
| Retained earnings to average equity (ytd only) | 2.2651% | 4,550 |
| Net charge-offs to loans | 0.5929% | 414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.0943% | 2,820 |
| Efficiency ratio | 78.4047% | 2,128 |
| Assets per employee ($millions) | 3.5898% | 4,742 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5996% | 6,066 |
| Loan loss allowance to noncurrent loans | 53.4653% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 3,277 |
| Noncurrent loans to loans | 1.1215% | 2,530 |
| Net loans and leases to total assets | 62.3442% | 3,312 |
| Net loans and leases to deposits | 73.0835% | 3,421 |
| Net loans and leases to core deposits | 79.4022% | 3,233 |
| Total domestic deposits to total assets | 85.3054% | 3,264 |
| Equity capital to assets | 14.0034% | 985 |
| Core capital (leverage) ratio | 14.2466% | 752 |
| Tier 1 risk-based capital ratio | 23.0903% | 1,098 |
| Total risk-based capital ratio | 23.6862% | 1,163 |
| Memoranda: | ||
| Average total assets | $58,905,500 | 5,522 |
| Average earning assets | $55,956,500 | 5,466 |
| Average equity | $7,946,500 | 5,225 |
| Average total loans | $35,758,000 | 5,308 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6296% | 5,000 |
| Cost of funding earning assets | 0.5225% | 2,467 |
| Net interest margin | 3.1071% | 5,187 |
| Noninterest income to average assets | 0.4166% | 4,068 |
| Noninterest expense to average assets | 2.6503% | 4,051 |
| Loan and lease loss provision to assets | 0.0747% | 2,989 |
| Net operating income to assets | 0.6223% | 4,262 |
| Return on assets (ROA) | 0.5858% | 4,518 |
| Pretax return on assets | 0.5858% | 4,983 |
| Return on Equity (ROE) | 4.5404% | 4,868 |
| Retained earnings to average equity (ytd only) | 0.6817% | 5,456 |
| Net charge-offs to loans | 0.0258% | 4,307 |
| Credit loss provision to net charge-offs | 562.5000% | 473 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 893 |
| Efficiency ratio | 79.1770% | 2,040 |
| Assets per employee ($millions) | 3.7734% | 4,398 |
| Cash dividends to net income (ytd only)* | 84.9858% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7579% | 5,869 |
| Loan loss allowance to noncurrent loans | 37.0014% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 2,281 |
| Noncurrent loans to loans | 2.0483% | 1,340 |
| Net loans and leases to total assets | 58.3404% | 4,011 |
| Net loans and leases to deposits | 73.1694% | 3,531 |
| Net loans and leases to core deposits | 79.6162% | 3,335 |
| Total domestic deposits to total assets | 79.7333% | 5,086 |
| Equity capital to assets | 13.0021% | 1,373 |
| Core capital (leverage) ratio | 14.0355% | 808 |
| Tier 1 risk-based capital ratio | 22.2588% | 1,189 |
| Total risk-based capital ratio | 22.9780% | 1,240 |
| Memoranda: | ||
| Average total assets | $60,256,200 | 5,542 |
| Average earning assets | $56,838,400 | 5,497 |
| Average equity | $7,774,600 | 5,252 |
| Average total loans | $31,021,400 | 5,528 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 5,037 |
| Cost of funding earning assets | 0.5283% | 2,485 |
| Net interest margin | 3.1106% | 5,224 |
| Noninterest income to average assets | 0.4317% | 4,006 |
| Noninterest expense to average assets | 2.6034% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7483% | 3,676 |
| Return on assets (ROA) | 0.7217% | 3,934 |
| Pretax return on assets | 0.7217% | 4,626 |
| Return on Equity (ROE) | 5.6044% | 4,441 |
| Retained earnings to average equity (ytd only) | 1.9941% | 5,056 |
| Net charge-offs to loans | 0.0178% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 84.5516% | 668 |
| Efficiency ratio | 77.6750% | 2,236 |
| Assets per employee ($millions) | 3.7749% | 4,341 |
| Cash dividends to net income (ytd only)* | 64.4159% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 6,055 |
| Loan loss allowance to noncurrent loans | 36.3636% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 2,819 |
| Noncurrent loans to loans | 1.9856% | 1,604 |
| Net loans and leases to total assets | 51.9032% | 4,816 |
| Net loans and leases to deposits | 63.9189% | 4,546 |
| Net loans and leases to core deposits | 69.9130% | 4,329 |
| Total domestic deposits to total assets | 81.2017% | 4,769 |
| Equity capital to assets | 13.1227% | 1,369 |
| Core capital (leverage) ratio | 14.3033% | 768 |
| Tier 1 risk-based capital ratio | 24.1785% | 967 |
| Total risk-based capital ratio | 24.8357% | 1,022 |
| Memoranda: | ||
| Average total assets | $60,226,500 | 5,604 |
| Average earning assets | $56,536,750 | 5,559 |
| Average equity | $7,755,750 | 5,301 |
| Average total loans | $29,903,750 | 5,622 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 5,104 |
| Cost of funding earning assets | 0.5307% | 2,530 |
| Net interest margin | 3.0844% | 5,303 |
| Noninterest income to average assets | 0.4188% | 4,107 |
| Noninterest expense to average assets | 2.5528% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7446% | 3,596 |
| Return on assets (ROA) | 0.7047% | 3,907 |
| Pretax return on assets | 0.7047% | 4,623 |
| Return on Equity (ROE) | 5.5072% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.1301% | 4,830 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,387 |
| Assets per employee ($millions) | 3.7480% | 4,353 |
| Cash dividends to net income (ytd only)* | 61.3208% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 6,047 |
| Loan loss allowance to noncurrent loans | 49.6788% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 3,634 |
| Noncurrent loans to loans | 1.5519% | 2,234 |
| Net loans and leases to total assets | 49.7949% | 4,983 |
| Net loans and leases to deposits | 57.3379% | 5,093 |
| Net loans and leases to core deposits | 62.3728% | 4,942 |
| Total domestic deposits to total assets | 86.8447% | 2,550 |
| Equity capital to assets | 12.8802% | 1,437 |
| Core capital (leverage) ratio | 14.0034% | 828 |
| Tier 1 risk-based capital ratio | 25.0300% | 871 |
| Total risk-based capital ratio | 25.7251% | 913 |
| Memoranda: | ||
| Average total assets | $60,169,000 | 5,655 |
| Average earning assets | $56,154,000 | 5,613 |
| Average equity | $7,699,000 | 5,345 |
| Average total loans | $29,346,000 | 5,682 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 5,214 |
| Cost of funding earning assets | 0.5357% | 2,546 |
| Net interest margin | 3.0500% | 5,384 |
| Noninterest income to average assets | 0.4048% | 4,152 |
| Noninterest expense to average assets | 2.5087% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7301% | 3,545 |
| Return on assets (ROA) | 0.7301% | 3,623 |
| Pretax return on assets | 0.7301% | 4,388 |
| Return on Equity (ROE) | 5.7243% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.1224% | 4,251 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4590% | 2,562 |
| Assets per employee ($millions) | 3.7847% | 4,359 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 6,132 |
| Loan loss allowance to noncurrent loans | 50.7659% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 3,450 |
| Noncurrent loans to loans | 1.5514% | 2,488 |
| Net loans and leases to total assets | 48.2636% | 5,092 |
| Net loans and leases to deposits | 55.9971% | 5,116 |
| Net loans and leases to core deposits | 61.3077% | 4,940 |
| Total domestic deposits to total assets | 86.1894% | 3,263 |
| Equity capital to assets | 12.8363% | 1,390 |
| Core capital (leverage) ratio | 13.7053% | 920 |
| Tier 1 risk-based capital ratio | 25.4195% | 845 |
| Total risk-based capital ratio | 26.1273% | 889 |
| Memoranda: | ||
| Average total assets | $60,269,500 | 5,704 |
| Average earning assets | $55,999,500 | 5,666 |
| Average equity | $7,686,500 | 5,373 |
| Average total loans | $28,972,500 | 5,749 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 5,029 |
| Cost of funding earning assets | 0.6005% | 2,653 |
| Net interest margin | 3.1316% | 5,220 |
| Noninterest income to average assets | 0.3871% | 4,537 |
| Noninterest expense to average assets | 2.6259% | 4,372 |
| Loan and lease loss provision to assets | 0.0514% | 4,107 |
| Net operating income to assets | 0.6218% | 4,156 |
| Return on assets (ROA) | 0.6115% | 4,328 |
| Pretax return on assets | 0.6115% | 4,842 |
| Return on Equity (ROE) | 4.5475% | 4,864 |
| Retained earnings to average equity (ytd only) | 1.1082% | 5,335 |
| Net charge-offs to loans | 0.1044% | 3,785 |
| Credit loss provision to net charge-offs | 107.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 14.0357% | 1,969 |
| Efficiency ratio | 79.5950% | 2,219 |
| Assets per employee ($millions) | 3.7490% | 4,371 |
| Cash dividends to net income (ytd only)* | 75.6303% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 6,139 |
| Loan loss allowance to noncurrent loans | 85.9259% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 4,411 |
| Noncurrent loans to loans | 0.9478% | 3,619 |
| Net loans and leases to total assets | 47.1042% | 5,380 |
| Net loans and leases to deposits | 53.9825% | 5,471 |
| Net loans and leases to core deposits | 59.0837% | 5,297 |
| Total domestic deposits to total assets | 87.2583% | 2,597 |
| Equity capital to assets | 12.6700% | 1,437 |
| Core capital (leverage) ratio | 13.8175% | 878 |
| Tier 1 risk-based capital ratio | 26.4459% | 737 |
| Total risk-based capital ratio | 27.1876% | 759 |
| Memoranda: | ||
| Average total assets | $58,380,800 | 5,798 |
| Average earning assets | $54,284,600 | 5,755 |
| Average equity | $7,850,400 | 5,381 |
| Average total loans | $26,820,400 | 5,896 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 5,137 |
| Cost of funding earning assets | 0.6382% | 2,471 |
| Net interest margin | 3.0721% | 5,396 |
| Noninterest income to average assets | 0.3886% | 4,614 |
| Noninterest expense to average assets | 2.5732% | 4,480 |
| Loan and lease loss provision to assets | 0.0414% | 4,179 |
| Net operating income to assets | 0.6301% | 4,218 |
| Return on assets (ROA) | 0.6301% | 4,345 |
| Pretax return on assets | 0.6301% | 4,912 |
| Return on Equity (ROE) | 4.6167% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.4264% | 4,874 |
| Net charge-offs to loans | 0.0909% | 3,661 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 16.2217% | 1,818 |
| Efficiency ratio | 79.3055% | 2,218 |
| Assets per employee ($millions) | 3.5113% | 4,825 |
| Cash dividends to net income (ytd only)* | 47.4461% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 6,140 |
| Loan loss allowance to noncurrent loans | 37.3984% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 3,110 |
| Noncurrent loans to loans | 2.3183% | 1,890 |
| Net loans and leases to total assets | 46.8094% | 5,463 |
| Net loans and leases to deposits | 54.1278% | 5,530 |
| Net loans and leases to core deposits | 57.1870% | 5,514 |
| Total domestic deposits to total assets | 86.4794% | 2,974 |
| Equity capital to assets | 13.4654% | 1,133 |
| Core capital (leverage) ratio | 14.5846% | 713 |
| Tier 1 risk-based capital ratio | 28.5303% | 592 |
| Total risk-based capital ratio | 29.3181% | 615 |
| Memoranda: | ||
| Average total assets | $57,980,000 | 5,874 |
| Average earning assets | $53,902,750 | 5,828 |
| Average equity | $7,913,000 | 5,417 |
| Average total loans | $26,403,750 | 5,980 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 5,319 |
| Cost of funding earning assets | 0.6521% | 2,472 |
| Net interest margin | 2.9894% | 5,585 |
| Noninterest income to average assets | 0.4438% | 4,210 |
| Noninterest expense to average assets | 2.4753% | 4,814 |
| Loan and lease loss provision to assets | 0.0615% | 3,781 |
| Net operating income to assets | 0.6931% | 3,839 |
| Return on assets (ROA) | 0.6931% | 4,008 |
| Pretax return on assets | 0.6931% | 4,702 |
| Return on Equity (ROE) | 5.0567% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.5621% | 4,051 |
| Net charge-offs to loans | 0.1214% | 3,153 |
| Credit loss provision to net charge-offs | 112.5000% | 1,970 |
| Earnings coverage of net charge-offs (x) | 13.8125% | 1,871 |
| Efficiency ratio | 76.6385% | 2,694 |
| Assets per employee ($millions) | 3.5886% | 4,649 |
| Cash dividends to net income (ytd only)* | 29.5567% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 6,178 |
| Loan loss allowance to noncurrent loans | 36.8254% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 1.2784% | 3,205 |
| Noncurrent loans to loans | 2.4036% | 1,958 |
| Net loans and leases to total assets | 45.2462% | 5,612 |
| Net loans and leases to deposits | 52.2864% | 5,664 |
| Net loans and leases to core deposits | 55.5356% | 5,637 |
| Total domestic deposits to total assets | 86.5353% | 3,097 |
| Equity capital to assets | 13.4107% | 1,180 |
| Core capital (leverage) ratio | 14.0861% | 804 |
| Tier 1 risk-based capital ratio | 28.7997% | 587 |
| Total risk-based capital ratio | 29.6020% | 600 |
| Memoranda: | ||
| Average total assets | $58,579,670 | 5,893 |
| Average earning assets | $54,593,670 | 5,841 |
| Average equity | $8,029,000 | 5,422 |
| Average total loans | $26,362,330 | 6,006 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 5,537 |
| Cost of funding earning assets | 0.6743% | 2,444 |
| Net interest margin | 2.8930% | 5,828 |
| Noninterest income to average assets | 0.3786% | 4,632 |
| Noninterest expense to average assets | 2.3597% | 5,240 |
| Loan and lease loss provision to assets | 0.1217% | 2,704 |
| Net operating income to assets | 0.5950% | 4,243 |
| Return on assets (ROA) | 0.5950% | 4,391 |
| Pretax return on assets | 0.5950% | 4,964 |
| Return on Equity (ROE) | 4.2961% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.2961% | 3,647 |
| Net charge-offs to loans | 0.2421% | 2,001 |
| Credit loss provision to net charge-offs | 112.5000% | 1,671 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 2,192 |
| Efficiency ratio | 76.7033% | 2,810 |
| Assets per employee ($millions) | 3.7674% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 6,266 |
| Loan loss allowance to noncurrent loans | 33.3813% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2758% | 3,426 |
| Noncurrent loans to loans | 2.6856% | 1,903 |
| Net loans and leases to total assets | 42.5479% | 5,804 |
| Net loans and leases to deposits | 49.3174% | 5,832 |
| Net loans and leases to core deposits | 51.9570% | 5,826 |
| Total domestic deposits to total assets | 86.2736% | 3,371 |
| Equity capital to assets | 13.6634% | 1,154 |
| Core capital (leverage) ratio | 13.5428% | 930 |
| Tier 1 risk-based capital ratio | 29.0509% | 578 |
| Total risk-based capital ratio | 29.8655% | 594 |
| Memoranda: | ||
| Average total assets | $59,161,000 | 5,924 |
| Average earning assets | $55,167,000 | 5,870 |
| Average equity | $8,193,500 | 5,436 |
| Average total loans | $26,438,000 | 6,049 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 4,685 |
| Cost of funding earning assets | 0.7575% | 3,035 |
| Net interest margin | 3.4145% | 4,835 |
| Noninterest income to average assets | 0.3748% | 4,796 |
| Noninterest expense to average assets | 2.7399% | 4,249 |
| Loan and lease loss provision to assets | 0.1237% | 4,072 |
| Net operating income to assets | 0.6604% | 3,931 |
| Return on assets (ROA) | 0.6604% | 4,197 |
| Pretax return on assets | 0.6604% | 4,790 |
| Return on Equity (ROE) | 4.3938% | 4,977 |
| Retained earnings to average equity (ytd only) | 0.3389% | 5,682 |
| Net charge-offs to loans | 0.1278% | 4,406 |
| Credit loss provision to net charge-offs | 194.2857% | 1,342 |
| Earnings coverage of net charge-offs (x) | 12.3143% | 1,940 |
| Efficiency ratio | 77.7491% | 2,491 |
| Assets per employee ($millions) | 3.6278% | 4,715 |
| Cash dividends to net income (ytd only)* | 92.2865% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 6,391 |
| Loan loss allowance to noncurrent loans | 35.3846% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 3,563 |
| Noncurrent loans to loans | 2.4077% | 2,220 |
| Net loans and leases to total assets | 46.1150% | 5,600 |
| Net loans and leases to deposits | 53.6865% | 5,678 |
| Net loans and leases to core deposits | 56.6881% | 5,661 |
| Total domestic deposits to total assets | 85.8969% | 3,403 |
| Equity capital to assets | 14.0428% | 1,032 |
| Core capital (leverage) ratio | 14.1226% | 765 |
| Tier 1 risk-based capital ratio | 28.6765% | 582 |
| Total risk-based capital ratio | 29.4822% | 594 |
| Memoranda: | ||
| Average total assets | $54,966,000 | 6,049 |
| Average earning assets | $50,695,600 | 6,022 |
| Average equity | $8,261,600 | 5,428 |
| Average total loans | $27,392,600 | 6,063 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 4,503 |
| Cost of funding earning assets | 0.7780% | 3,132 |
| Net interest margin | 3.5077% | 4,613 |
| Noninterest income to average assets | 0.3912% | 4,700 |
| Noninterest expense to average assets | 2.7652% | 4,111 |
| Loan and lease loss provision to assets | 0.0787% | 4,652 |
| Net operating income to assets | 0.7749% | 3,575 |
| Return on assets (ROA) | 0.7749% | 3,827 |
| Pretax return on assets | 0.7749% | 4,577 |
| Return on Equity (ROE) | 5.0667% | 4,795 |
| Retained earnings to average equity (ytd only) | 2.9757% | 4,772 |
| Net charge-offs to loans | 0.0825% | 4,573 |
| Credit loss provision to net charge-offs | 188.2353% | 1,469 |
| Earnings coverage of net charge-offs (x) | 20.4085% | 1,448 |
| Efficiency ratio | 76.4106% | 2,608 |
| Assets per employee ($millions) | 3.5166% | 4,944 |
| Cash dividends to net income (ytd only)* | 41.2700% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 6,660 |
| Loan loss allowance to noncurrent loans | 36.1158% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 1.1695% | 3,946 |
| Noncurrent loans to loans | 2.1251% | 2,701 |
| Net loans and leases to total assets | 48.7159% | 5,462 |
| Net loans and leases to deposits | 57.2353% | 5,507 |
| Net loans and leases to core deposits | 60.9246% | 5,460 |
| Total domestic deposits to total assets | 85.1151% | 3,700 |
| Equity capital to assets | 14.8174% | 867 |
| Core capital (leverage) ratio | 15.4746% | 544 |
| Tier 1 risk-based capital ratio | 29.0666% | 577 |
| Total risk-based capital ratio | 29.8052% | 602 |
| Memoranda: | ||
| Average total assets | $54,196,500 | 6,147 |
| Average earning assets | $49,870,000 | 6,120 |
| Average equity | $8,289,250 | 5,481 |
| Average total loans | $27,491,500 | 6,135 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 3,916 |
| Cost of funding earning assets | 0.8102% | 3,111 |
| Net interest margin | 3.6560% | 4,007 |
| Noninterest income to average assets | 0.4074% | 4,592 |
| Noninterest expense to average assets | 2.7137% | 4,354 |
| Loan and lease loss provision to assets | 0.1084% | 4,165 |
| Net operating income to assets | 0.9419% | 2,702 |
| Return on assets (ROA) | 0.9419% | 2,963 |
| Pretax return on assets | 0.9419% | 3,913 |
| Return on Equity (ROE) | 6.0919% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.6414% | 3,522 |
| Net charge-offs to loans | 0.1020% | 4,139 |
| Credit loss provision to net charge-offs | 207.1429% | 1,366 |
| Earnings coverage of net charge-offs (x) | 20.0714% | 1,406 |
| Efficiency ratio | 72.0953% | 3,418 |
| Assets per employee ($millions) | 3.3111% | 5,423 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 6,727 |
| Loan loss allowance to noncurrent loans | 53.2663% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 4,600 |
| Noncurrent loans to loans | 1.4501% | 3,740 |
| Net loans and leases to total assets | 51.4091% | 5,169 |
| Net loans and leases to deposits | 61.0787% | 5,119 |
| Net loans and leases to core deposits | 65.3227% | 5,076 |
| Total domestic deposits to total assets | 84.1686% | 4,246 |
| Equity capital to assets | 15.7616% | 631 |
| Core capital (leverage) ratio | 15.4779% | 526 |
| Tier 1 risk-based capital ratio | 29.1347% | 562 |
| Total risk-based capital ratio | 29.8744% | 586 |
| Memoranda: | ||
| Average total assets | $53,507,000 | 6,208 |
| Average earning assets | $49,125,330 | 6,193 |
| Average equity | $8,273,330 | 5,488 |
| Average total loans | $27,448,000 | 6,180 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 3,607 |
| Cost of funding earning assets | 0.8427% | 3,124 |
| Net interest margin | 3.7353% | 3,669 |
| Noninterest income to average assets | 0.4463% | 4,318 |
| Noninterest expense to average assets | 2.6929% | 4,446 |
| Loan and lease loss provision to assets | 0.0372% | 4,917 |
| Net operating income to assets | 1.1456% | 1,896 |
| Return on assets (ROA) | 1.1456% | 2,078 |
| Pretax return on assets | 1.1456% | 3,134 |
| Return on Equity (ROE) | 7.4803% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.4803% | 2,182 |
| Net charge-offs to loans | 0.1020% | 3,521 |
| Credit loss provision to net charge-offs | 71.4286% | 2,876 |
| Earnings coverage of net charge-offs (x) | 22.7143% | 1,116 |
| Efficiency ratio | 69.4818% | 3,903 |
| Assets per employee ($millions) | 3.3971% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6893% | 6,888 |
| Loan loss allowance to noncurrent loans | 36.3128% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1186% | 4,263 |
| Noncurrent loans to loans | 1.8983% | 3,286 |
| Net loans and leases to total assets | 51.6880% | 5,063 |
| Net loans and leases to deposits | 61.0739% | 5,035 |
| Net loans and leases to core deposits | 65.1561% | 5,000 |
| Total domestic deposits to total assets | 84.6319% | 4,196 |
| Equity capital to assets | 15.2926% | 695 |
| Core capital (leverage) ratio | 15.1229% | 583 |
| Tier 1 risk-based capital ratio | 27.8954% | 650 |
| Total risk-based capital ratio | 28.5499% | 686 |
| Memoranda: | ||
| Average total assets | $53,772,000 | 6,238 |
| Average earning assets | $49,367,000 | 6,225 |
| Average equity | $8,235,000 | 5,523 |
| Average total loans | $27,448,500 | 6,219 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 4,613 |
| Cost of funding earning assets | 0.9890% | 3,456 |
| Net interest margin | 3.6257% | 4,629 |
| Noninterest income to average assets | 0.4285% | 4,380 |
| Noninterest expense to average assets | 2.7937% | 4,372 |
| Loan and lease loss provision to assets | 0.2303% | 3,896 |
| Net operating income to assets | 0.6984% | 3,498 |
| Return on assets (ROA) | 0.6984% | 3,685 |
| Pretax return on assets | 0.6984% | 4,326 |
| Return on Equity (ROE) | 4.4831% | 4,634 |
| Retained earnings to average equity (ytd only) | -0.1212% | 5,871 |
| Net charge-offs to loans | 0.4058% | 3,394 |
| Credit loss provision to net charge-offs | 110.9091% | 3,007 |
| Earnings coverage of net charge-offs (x) | 4.4727% | 3,101 |
| Efficiency ratio | 75.0507% | 3,052 |
| Assets per employee ($millions) | 3.3244% | 5,442 |
| Cash dividends to net income (ytd only)* | 102.7027% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 6,850 |
| Loan loss allowance to noncurrent loans | 34.6831% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 4,227 |
| Noncurrent loans to loans | 2.1347% | 3,028 |
| Net loans and leases to total assets | 49.6531% | 5,635 |
| Net loans and leases to deposits | 58.7042% | 5,632 |
| Net loans and leases to core deposits | 62.7176% | 5,570 |
| Total domestic deposits to total assets | 84.5820% | 4,053 |
| Equity capital to assets | 15.3372% | 710 |
| Core capital (leverage) ratio | 14.5916% | 694 |
| Tier 1 risk-based capital ratio | 28.9712% | 567 |
| Total risk-based capital ratio | 29.6708% | 581 |
| Memoranda: | ||
| Average total assets | $52,977,200 | 6,264 |
| Average earning assets | $48,129,200 | 6,253 |
| Average equity | $8,253,200 | 5,496 |
| Average total loans | $27,108,200 | 6,290 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 4,804 |
| Cost of funding earning assets | 1.0131% | 3,588 |
| Net interest margin | 3.6027% | 4,757 |
| Noninterest income to average assets | 0.4812% | 4,032 |
| Noninterest expense to average assets | 2.7863% | 4,393 |
| Loan and lease loss provision to assets | 0.0403% | 5,937 |
| Net operating income to assets | 0.9246% | 2,653 |
| Return on assets (ROA) | 0.9246% | 2,795 |
| Pretax return on assets | 0.9246% | 3,673 |
| Return on Equity (ROE) | 5.9118% | 4,058 |
| Retained earnings to average equity (ytd only) | 2.6901% | 4,748 |
| Net charge-offs to loans | 0.2301% | 3,995 |
| Credit loss provision to net charge-offs | 34.0426% | 5,357 |
| Earnings coverage of net charge-offs (x) | 8.1482% | 2,226 |
| Efficiency ratio | 74.2780% | 3,129 |
| Assets per employee ($millions) | 3.4759% | 5,060 |
| Cash dividends to net income (ytd only)* | 54.4960% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5656% | 7,120 |
| Loan loss allowance to noncurrent loans | 29.5585% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 4,646 |
| Noncurrent loans to loans | 1.9133% | 3,480 |
| Net loans and leases to total assets | 48.6847% | 5,874 |
| Net loans and leases to deposits | 57.3219% | 5,915 |
| Net loans and leases to core deposits | 61.3704% | 5,869 |
| Total domestic deposits to total assets | 84.9321% | 3,798 |
| Equity capital to assets | 14.9870% | 853 |
| Core capital (leverage) ratio | 15.3180% | 606 |
| Tier 1 risk-based capital ratio | 29.0034% | 597 |
| Total risk-based capital ratio | 29.5393% | 622 |
| Memoranda: | ||
| Average total assets | $52,923,750 | 6,317 |
| Average earning assets | $48,036,750 | 6,310 |
| Average equity | $8,277,000 | 5,516 |
| Average total loans | $27,233,250 | 6,342 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 5,060 |
| Cost of funding earning assets | 1.0316% | 3,733 |
| Net interest margin | 3.5460% | 4,941 |
| Noninterest income to average assets | 0.4959% | 3,901 |
| Noninterest expense to average assets | 2.7371% | 4,669 |
| Loan and lease loss provision to assets | 0.0384% | 5,834 |
| Net operating income to assets | 0.9841% | 2,287 |
| Return on assets (ROA) | 0.9841% | 2,391 |
| Pretax return on assets | 0.9841% | 3,293 |
| Return on Equity (ROE) | 6.2003% | 3,862 |
| Retained earnings to average equity (ytd only) | 3.7783% | 3,812 |
| Net charge-offs to loans | 0.2791% | 3,489 |
| Credit loss provision to net charge-offs | 26.3158% | 5,038 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,297 |
| Efficiency ratio | 72.8016% | 3,582 |
| Assets per employee ($millions) | 3.3504% | 5,323 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5712% | 7,176 |
| Loan loss allowance to noncurrent loans | 34.8889% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 4,837 |
| Noncurrent loans to loans | 1.6371% | 3,952 |
| Net loans and leases to total assets | 50.9821% | 5,697 |
| Net loans and leases to deposits | 60.4138% | 5,686 |
| Net loans and leases to core deposits | 65.2766% | 5,584 |
| Total domestic deposits to total assets | 84.3882% | 4,175 |
| Equity capital to assets | 15.5278% | 696 |
| Core capital (leverage) ratio | 15.4491% | 592 |
| Tier 1 risk-based capital ratio | 28.7520% | 611 |
| Total risk-based capital ratio | 29.2943% | 644 |
| Memoranda: | ||
| Average total assets | $52,026,670 | 6,412 |
| Average earning assets | $47,884,670 | 6,370 |
| Average equity | $8,257,670 | 5,534 |
| Average total loans | $27,234,330 | 6,403 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 5,211 |
| Cost of funding earning assets | 1.0707% | 3,715 |
| Net interest margin | 3.4671% | 5,155 |
| Noninterest income to average assets | 0.4762% | 4,077 |
| Noninterest expense to average assets | 2.7402% | 4,672 |
| Loan and lease loss provision to assets | 0.0781% | 5,024 |
| Net operating income to assets | 0.8431% | 2,807 |
| Return on assets (ROA) | 0.8431% | 2,865 |
| Pretax return on assets | 0.8431% | 3,728 |
| Return on Equity (ROE) | 5.2526% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.2526% | 3,034 |
| Net charge-offs to loans | 0.3689% | 2,592 |
| Credit loss provision to net charge-offs | 40.0000% | 3,945 |
| Earnings coverage of net charge-offs (x) | 4.7200% | 2,409 |
| Efficiency ratio | 74.8401% | 3,355 |
| Assets per employee ($millions) | 3.2666% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 7,160 |
| Loan loss allowance to noncurrent loans | 39.1705% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 4,971 |
| Noncurrent loans to loans | 1.6264% | 4,038 |
| Net loans and leases to total assets | 50.7290% | 5,749 |
| Net loans and leases to deposits | 60.3400% | 5,690 |
| Net loans and leases to core deposits | 65.3247% | 5,581 |
| Total domestic deposits to total assets | 84.0719% | 4,466 |
| Equity capital to assets | 15.8344% | 602 |
| Core capital (leverage) ratio | 15.7410% | 547 |
| Tier 1 risk-based capital ratio | 29.2438% | 556 |
| Total risk-based capital ratio | 29.8445% | 585 |
| Memoranda: | ||
| Average total assets | $51,236,500 | 6,487 |
| Average earning assets | $47,071,500 | 6,447 |
| Average equity | $8,224,500 | 5,546 |
| Average total loans | $27,108,000 | 6,465 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 5,361 |
| Cost of funding earning assets | 1.2609% | 4,139 |
| Net interest margin | 3.5550% | 5,019 |
| Noninterest income to average assets | 0.6508% | 3,147 |
| Noninterest expense to average assets | 3.0639% | 3,615 |
| Loan and lease loss provision to assets | 0.0491% | 6,661 |
| Net operating income to assets | 0.7982% | 2,812 |
| Return on assets (ROA) | 0.7982% | 2,945 |
| Pretax return on assets | 0.7982% | 3,644 |
| Return on Equity (ROE) | 4.7772% | 4,167 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 0.1216% | 5,671 |
| Credit loss provision to net charge-offs | 72.7273% | 5,798 |
| Earnings coverage of net charge-offs (x) | 12.5455% | 1,490 |
| Efficiency ratio | 78.3359% | 2,643 |
| Assets per employee ($millions) | 3.1379% | 5,799 |
| Cash dividends to net income (ytd only)* | 100.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 7,170 |
| Loan loss allowance to noncurrent loans | 40.8389% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 5,216 |
| Noncurrent loans to loans | 1.6454% | 4,035 |
| Net loans and leases to total assets | 54.4685% | 5,574 |
| Net loans and leases to deposits | 65.1336% | 5,503 |
| Net loans and leases to core deposits | 69.8536% | 5,456 |
| Total domestic deposits to total assets | 83.6258% | 4,542 |
| Equity capital to assets | 16.2786% | 545 |
| Core capital (leverage) ratio | 16.1707% | 487 |
| Tier 1 risk-based capital ratio | 28.6681% | 563 |
| Total risk-based capital ratio | 29.3171% | 587 |
| Memoranda: | ||
| Average total assets | $48,859,400 | 6,578 |
| Average earning assets | $44,809,600 | 6,547 |
| Average equity | $8,163,800 | 5,665 |
| Average total loans | $27,137,400 | 6,546 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 5,338 |
| Cost of funding earning assets | 1.2918% | 4,272 |
| Net interest margin | 3.5913% | 4,913 |
| Noninterest income to average assets | 0.6210% | 3,307 |
| Noninterest expense to average assets | 3.0363% | 3,621 |
| Loan and lease loss provision to assets | 0.0385% | 6,695 |
| Net operating income to assets | 0.8463% | 2,820 |
| Return on assets (ROA) | 0.8463% | 2,952 |
| Pretax return on assets | 0.8463% | 3,751 |
| Return on Equity (ROE) | 5.0317% | 4,271 |
| Retained earnings to average equity (ytd only) | 0.9475% | 5,426 |
| Net charge-offs to loans | 0.0641% | 5,875 |
| Credit loss provision to net charge-offs | 107.6923% | 3,957 |
| Earnings coverage of net charge-offs (x) | 24.7732% | 1,012 |
| Efficiency ratio | 77.4352% | 2,702 |
| Assets per employee ($millions) | 3.0800% | 5,968 |
| Cash dividends to net income (ytd only)* | 81.1693% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 7,180 |
| Loan loss allowance to noncurrent loans | 75.2896% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 6,008 |
| Noncurrent loans to loans | 0.9457% | 5,343 |
| Net loans and leases to total assets | 55.1786% | 5,672 |
| Net loans and leases to deposits | 66.3268% | 5,630 |
| Net loans and leases to core deposits | 71.2728% | 5,605 |
| Total domestic deposits to total assets | 83.1920% | 4,513 |
| Equity capital to assets | 16.7025% | 555 |
| Core capital (leverage) ratio | 16.8931% | 441 |
| Tier 1 risk-based capital ratio | 28.7506% | 584 |
| Total risk-based capital ratio | 29.4317% | 601 |
| Memoranda: | ||
| Average total assets | $48,522,500 | 6,670 |
| Average earning assets | $44,587,750 | 6,634 |
| Average equity | $8,161,500 | 5,738 |
| Average total loans | $27,038,750 | 6,641 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 6,259 |
| Cost of funding earning assets | 1.3237% | 4,392 |
| Net interest margin | 3.3408% | 5,871 |
| Noninterest income to average assets | 0.4848% | 4,238 |
| Noninterest expense to average assets | 2.9211% | 3,998 |
| Loan and lease loss provision to assets | 0.0580% | 6,375 |
| Net operating income to assets | 0.5801% | 3,949 |
| Return on assets (ROA) | 0.5801% | 4,094 |
| Pretax return on assets | 0.5801% | 4,626 |
| Return on Equity (ROE) | 3.4405% | 5,040 |
| Retained earnings to average equity (ytd only) | -0.7373% | 5,912 |
| Net charge-offs to loans | 0.0966% | 5,181 |
| Credit loss provision to net charge-offs | 107.6923% | 3,783 |
| Earnings coverage of net charge-offs (x) | 11.8462% | 1,722 |
| Efficiency ratio | 82.0722% | 2,156 |
| Assets per employee ($millions) | 2.9842% | 6,171 |
| Cash dividends to net income (ytd only)* | 121.4286% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7146% | 7,214 |
| Loan loss allowance to noncurrent loans | 46.3183% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 5,268 |
| Noncurrent loans to loans | 1.5427% | 4,396 |
| Net loans and leases to total assets | 56.7449% | 5,588 |
| Net loans and leases to deposits | 68.5022% | 5,491 |
| Net loans and leases to core deposits | 73.0868% | 5,545 |
| Total domestic deposits to total assets | 82.8366% | 4,638 |
| Equity capital to assets | 17.0545% | 519 |
| Core capital (leverage) ratio | 16.7838% | 467 |
| Tier 1 risk-based capital ratio | 29.0811% | 565 |
| Total risk-based capital ratio | 29.7775% | 579 |
| Memoranda: | ||
| Average total assets | $48,270,000 | 6,721 |
| Average earning assets | $44,420,330 | 6,682 |
| Average equity | $8,138,330 | 5,751 |
| Average total loans | $26,922,670 | 6,698 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 6,940 |
| Cost of funding earning assets | 1.3738% | 4,337 |
| Net interest margin | 3.0549% | 6,704 |
| Noninterest income to average assets | 0.4368% | 4,584 |
| Noninterest expense to average assets | 2.9095% | 4,022 |
| Loan and lease loss provision to assets | 0.1154% | 5,454 |
| Net operating income to assets | 0.1978% | 5,696 |
| Return on assets (ROA) | 0.1978% | 5,815 |
| Pretax return on assets | 0.1978% | 5,881 |
| Return on Equity (ROE) | 1.1799% | 6,071 |
| Retained earnings to average equity (ytd only) | -3.7365% | 6,468 |
| Net charge-offs to loans | 0.2094% | 3,661 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.7143% | 3,186 |
| Efficiency ratio | 90.2813% | 1,409 |
| Assets per employee ($millions) | 3.0189% | 6,169 |
| Cash dividends to net income (ytd only)* | 416.6667% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 7,288 |
| Loan loss allowance to noncurrent loans | 48.2587% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8799% | 5,397 |
| Noncurrent loans to loans | 1.5160% | 4,474 |
| Net loans and leases to total assets | 54.4988% | 5,962 |
| Net loans and leases to deposits | 65.5690% | 5,868 |
| Net loans and leases to core deposits | 70.4717% | 5,877 |
| Total domestic deposits to total assets | 83.1166% | 4,562 |
| Equity capital to assets | 16.7633% | 558 |
| Core capital (leverage) ratio | 16.3470% | 527 |
| Tier 1 risk-based capital ratio | 29.2691% | 566 |
| Total risk-based capital ratio | 29.9704% | 580 |
| Memoranda: | ||
| Average total assets | $48,531,500 | 6,784 |
| Average earning assets | $44,257,000 | 6,765 |
| Average equity | $8,136,000 | 5,798 |
| Average total loans | $26,739,500 | 6,790 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 4,829 |
| Cost of funding earning assets | 1.5873% | 5,090 |
| Net interest margin | 3.7846% | 3,777 |
| Noninterest income to average assets | 0.6027% | 3,615 |
| Noninterest expense to average assets | 3.0546% | 3,926 |
| Loan and lease loss provision to assets | 0.2862% | 5,140 |
| Net operating income to assets | 0.7046% | 2,911 |
| Return on assets (ROA) | 0.7046% | 2,982 |
| Pretax return on assets | 0.7046% | 3,557 |
| Return on Equity (ROE) | 3.9416% | 4,114 |
| Retained earnings to average equity (ytd only) | -1.4554% | 5,384 |
| Net charge-offs to loans | 0.4280% | 4,082 |
| Credit loss provision to net charge-offs | 111.8644% | 4,904 |
| Earnings coverage of net charge-offs (x) | 3.8729% | 3,158 |
| Efficiency ratio | 75.5091% | 3,615 |
| Assets per employee ($millions) | 3.0476% | 6,100 |
| Cash dividends to net income (ytd only)* | 136.9231% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7196% | 7,333 |
| Loan loss allowance to noncurrent loans | 65.7627% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 5,515 |
| Noncurrent loans to loans | 1.0942% | 5,136 |
| Net loans and leases to total assets | 54.8943% | 6,093 |
| Net loans and leases to deposits | 66.0522% | 6,041 |
| Net loans and leases to core deposits | 81.1293% | 5,988 |
| Total domestic deposits to total assets | 83.1074% | 4,477 |
| Equity capital to assets | 16.7654% | 582 |
| Core capital (leverage) ratio | 17.0011% | 491 |
| Tier 1 risk-based capital ratio | 29.1860% | 570 |
| Total risk-based capital ratio | 29.8786% | 585 |
| Memoranda: | ||
| Average total assets | $46,126,800 | 6,868 |
| Average earning assets | $41,959,200 | 6,863 |
| Average equity | $8,245,400 | 5,851 |
| Average total loans | $27,569,400 | 6,769 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5065% | 4,386 |
| Cost of funding earning assets | 1.6320% | 5,244 |
| Net interest margin | 3.8744% | 3,326 |
| Noninterest income to average assets | 0.5660% | 3,961 |
| Noninterest expense to average assets | 3.0262% | 3,947 |
| Loan and lease loss provision to assets | 0.3519% | 4,212 |
| Net operating income to assets | 0.7243% | 3,124 |
| Return on assets (ROA) | 0.7243% | 3,188 |
| Pretax return on assets | 0.7243% | 3,776 |
| Return on Equity (ROE) | 3.9856% | 4,380 |
| Retained earnings to average equity (ytd only) | -1.5813% | 5,630 |
| Net charge-offs to loans | 0.5675% | 2,983 |
| Credit loss provision to net charge-offs | 101.6949% | 5,005 |
| Earnings coverage of net charge-offs (x) | 3.1102% | 3,681 |
| Efficiency ratio | 73.7670% | 3,901 |
| Assets per employee ($millions) | 2.8891% | 6,437 |
| Cash dividends to net income (ytd only)* | 139.6745% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6560% | 7,480 |
| Loan loss allowance to noncurrent loans | 48.0211% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9713% | 5,119 |
| Noncurrent loans to loans | 1.3661% | 4,642 |
| Net loans and leases to total assets | 59.6223% | 5,643 |
| Net loans and leases to deposits | 72.6015% | 5,569 |
| Net loans and leases to core deposits | 90.4321% | 5,393 |
| Total domestic deposits to total assets | 82.1226% | 4,633 |
| Equity capital to assets | 17.7324% | 538 |
| Core capital (leverage) ratio | 17.8231% | 463 |
| Tier 1 risk-based capital ratio | 29.1231% | 618 |
| Total risk-based capital ratio | 29.7698% | 634 |
| Memoranda: | ||
| Average total assets | $45,468,250 | 6,944 |
| Average earning assets | $41,501,750 | 6,937 |
| Average equity | $8,263,000 | 5,895 |
| Average total loans | $27,721,500 | 6,812 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 4,074 |
| Cost of funding earning assets | 1.6860% | 5,340 |
| Net interest margin | 3.9146% | 3,043 |
| Noninterest income to average assets | 0.5573% | 3,978 |
| Noninterest expense to average assets | 2.9503% | 4,288 |
| Loan and lease loss provision to assets | 0.4379% | 3,362 |
| Net operating income to assets | 0.7431% | 3,080 |
| Return on assets (ROA) | 0.7431% | 3,183 |
| Pretax return on assets | 0.7431% | 3,854 |
| Return on Equity (ROE) | 4.0555% | 4,473 |
| Retained earnings to average equity (ytd only) | -1.6174% | 5,651 |
| Net charge-offs to loans | 0.7649% | 2,146 |
| Credit loss provision to net charge-offs | 93.3962% | 4,816 |
| Earnings coverage of net charge-offs (x) | 2.5189% | 3,807 |
| Efficiency ratio | 71.4133% | 4,523 |
| Assets per employee ($millions) | 2.8516% | 6,511 |
| Cash dividends to net income (ytd only)* | 139.8810% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6297% | 7,577 |
| Loan loss allowance to noncurrent loans | 83.5749% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 5,903 |
| Noncurrent loans to loans | 0.7535% | 5,731 |
| Net loans and leases to total assets | 59.8334% | 5,702 |
| Net loans and leases to deposits | 73.1347% | 5,591 |
| Net loans and leases to core deposits | 90.0690% | 5,530 |
| Total domestic deposits to total assets | 81.8126% | 4,768 |
| Equity capital to assets | 18.0340% | 544 |
| Core capital (leverage) ratio | 17.6984% | 542 |
| Tier 1 risk-based capital ratio | 29.6216% | 622 |
| Total risk-based capital ratio | 30.2444% | 650 |
| Memoranda: | ||
| Average total assets | $45,215,670 | 7,010 |
| Average earning assets | $41,281,670 | 6,999 |
| Average equity | $8,285,000 | 5,923 |
| Average total loans | $27,714,330 | 6,865 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7268% | 3,660 |
| Cost of funding earning assets | 1.6986% | 5,604 |
| Net interest margin | 4.0281% | 2,542 |
| Noninterest income to average assets | 0.6043% | 3,517 |
| Noninterest expense to average assets | 3.0126% | 3,712 |
| Loan and lease loss provision to assets | 0.0622% | 6,174 |
| Net operating income to assets | 1.2175% | 1,609 |
| Return on assets (ROA) | 1.2175% | 1,715 |
| Pretax return on assets | 1.2175% | 2,562 |
| Return on Equity (ROE) | 6.5917% | 3,786 |
| Retained earnings to average equity (ytd only) | 1.7802% | 4,857 |
| Net charge-offs to loans | 0.0862% | 4,303 |
| Credit loss provision to net charge-offs | 116.6667% | 3,343 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,254 |
| Efficiency ratio | 70.1863% | 4,534 |
| Assets per employee ($millions) | 2.8778% | 6,461 |
| Cash dividends to net income (ytd only)* | 72.9927% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6607% | 7,546 |
| Loan loss allowance to noncurrent loans | 58.9577% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 5,123 |
| Noncurrent loans to loans | 1.1206% | 4,742 |
| Net loans and leases to total assets | 59.1087% | 5,792 |
| Net loans and leases to deposits | 72.3195% | 5,707 |
| Net loans and leases to core deposits | 88.1976% | 5,717 |
| Total domestic deposits to total assets | 81.7327% | 4,665 |
| Equity capital to assets | 18.0957% | 599 |
| Core capital (leverage) ratio | 18.4267% | 509 |
| Tier 1 risk-based capital ratio | 30.1284% | 613 |
| Total risk-based capital ratio | 30.7829% | 633 |
| Memoranda: | ||
| Average total assets | $45,011,000 | 7,062 |
| Average earning assets | $41,210,000 | 7,051 |
| Average equity | $8,313,500 | 5,951 |
| Average total loans | $27,835,500 | 6,894 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2349% | 4,329 |
| Cost of funding earning assets | 2.2175% | 5,518 |
| Net interest margin | 4.0174% | 3,036 |
| Noninterest income to average assets | 0.6239% | 3,685 |
| Noninterest expense to average assets | 3.0821% | 3,775 |
| Loan and lease loss provision to assets | 0.4475% | 3,051 |
| Net operating income to assets | 0.7849% | 3,505 |
| Return on assets (ROA) | 0.7849% | 3,348 |
| Pretax return on assets | 0.7849% | 4,127 |
| Return on Equity (ROE) | 4.2654% | 4,706 |
| Retained earnings to average equity (ytd only) | -0.5272% | 5,449 |
| Net charge-offs to loans | 0.8154% | 1,535 |
| Credit loss provision to net charge-offs | 91.0314% | 5,655 |
| Earnings coverage of net charge-offs (x) | 2.5067% | 4,820 |
| Efficiency ratio | 71.4359% | 4,046 |
| Assets per employee ($millions) | 2.7486% | 6,679 |
| Cash dividends to net income (ytd only)* | 112.3596% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6366% | 7,592 |
| Loan loss allowance to noncurrent loans | 100.5587% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 5,646 |
| Noncurrent loans to loans | 0.6331% | 5,475 |
| Net loans and leases to total assets | 63.8819% | 5,294 |
| Net loans and leases to deposits | 78.9113% | 5,212 |
| Net loans and leases to core deposits | 92.5576% | 5,587 |
| Total domestic deposits to total assets | 80.9541% | 4,659 |
| Equity capital to assets | 18.8617% | 562 |
| Core capital (leverage) ratio | 18.4452% | 560 |
| Tier 1 risk-based capital ratio | 29.8028% | 652 |
| Total risk-based capital ratio | 30.4495% | 674 |
| Memoranda: | ||
| Average total assets | $45,358,600 | 6,966 |
| Average earning assets | $41,668,800 | 6,962 |
| Average equity | $8,346,200 | 5,966 |
| Average total loans | $27,348,000 | 6,879 |