Home > Family Bank > Performance and Condition Ratios
Family Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8077% | 419 |
| Cost of funding earning assets | 2.0018% | 1,926 |
| Net interest margin | 4.8060% | 407 |
| Noninterest income to average assets | 0.7100% | 1,015 |
| Noninterest expense to average assets | 3.3156% | 746 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | 1.3987% | 1,261 |
| Return on assets (ROA) | 1.3987% | 1,262 |
| Pretax return on assets | 1.7719% | 994 |
| Return on Equity (ROE) | 10.5200% | 2,170 |
| Retained earnings to average equity (ytd only) | 10.5191% | 1,078 |
| Net charge-offs to loans | -0.0296% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.6904% | 2,638 |
| Assets per employee ($millions) | 4.6854% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 708 |
| Loan loss allowance to noncurrent loans | 96.6190% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 454 |
| Noncurrent loans to loans | 1.7235% | 527 |
| Net loans and leases to total assets | 79.9100% | 604 |
| Net loans and leases to deposits | 92.7720% | 858 |
| Net loans and leases to core deposits | 101.6087% | 1,273 |
| Total domestic deposits to total assets | 86.1400% | 2,253 |
| Equity capital to assets | 13.3901% | 824 |
| Core capital (leverage) ratio | 13.2949% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5198% | 433 |
| Memoranda: | ||
| Average total assets | $148,992,000 | 3,372 |
| Average earning assets | $142,073,500 | 3,329 |
| Average equity | $19,811,500 | 3,018 |
| Average total loans | $121,475,500 | 3,012 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6416% | 596 |
| Cost of funding earning assets | 2.1586% | 1,829 |
| Net interest margin | 4.4830% | 665 |
| Noninterest income to average assets | 0.7100% | 1,144 |
| Noninterest expense to average assets | 3.1571% | 923 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 1.1980% | 1,496 |
| Return on assets (ROA) | 1.1980% | 1,504 |
| Pretax return on assets | 1.6011% | 1,113 |
| Return on Equity (ROE) | 9.6000% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.5983% | 659 |
| Net charge-offs to loans | 0.0101% | 2,541 |
| Credit loss provision to net charge-offs | 2,666.6667% | 179 |
| Earnings coverage of net charge-offs (x) | 224.9167% | 471 |
| Efficiency ratio | 63.4777% | 2,772 |
| Assets per employee ($millions) | 4.7759% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 789 |
| Loan loss allowance to noncurrent loans | 134.8821% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 690 |
| Noncurrent loans to loans | 1.1907% | 849 |
| Net loans and leases to total assets | 80.4900% | 599 |
| Net loans and leases to deposits | 93.3249% | 913 |
| Net loans and leases to core deposits | 102.6348% | 1,294 |
| Total domestic deposits to total assets | 86.2400% | 2,142 |
| Equity capital to assets | 13.2028% | 843 |
| Core capital (leverage) ratio | 13.0169% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8821% | 474 |
| Memoranda: | ||
| Average total assets | $148,585,400 | 3,371 |
| Average earning assets | $141,201,200 | 3,328 |
| Average equity | $18,545,000 | 3,068 |
| Average total loans | $118,481,000 | 3,012 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5235% | 668 |
| Cost of funding earning assets | 2.1477% | 1,860 |
| Net interest margin | 4.3757% | 740 |
| Noninterest income to average assets | 0.7000% | 1,135 |
| Noninterest expense to average assets | 3.1334% | 928 |
| Loan and lease loss provision to assets | 0.2200% | 518 |
| Net operating income to assets | 1.1287% | 1,684 |
| Return on assets (ROA) | 1.1287% | 1,690 |
| Pretax return on assets | 1.4999% | 1,305 |
| Return on Equity (ROE) | 9.1800% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.1756% | 1,068 |
| Net charge-offs to loans | 0.0113% | 2,222 |
| Credit loss provision to net charge-offs | 2,450.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 191.8000% | 536 |
| Efficiency ratio | 64.5668% | 2,647 |
| Assets per employee ($millions) | 4.9265% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 905 |
| Loan loss allowance to noncurrent loans | 128.3071% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 703 |
| Noncurrent loans to loans | 1.2224% | 822 |
| Net loans and leases to total assets | 76.9200% | 1,008 |
| Net loans and leases to deposits | 91.8602% | 1,060 |
| Net loans and leases to core deposits | 100.6744% | 1,438 |
| Total domestic deposits to total assets | 83.7400% | 2,652 |
| Equity capital to assets | 12.4560% | 1,121 |
| Core capital (leverage) ratio | 12.6745% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4947% | 504 |
| Memoranda: | ||
| Average total assets | $148,718,750 | 3,369 |
| Average earning assets | $141,230,000 | 3,333 |
| Average equity | $18,294,500 | 3,082 |
| Average total loans | $117,824,750 | 3,011 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4315% | 683 |
| Cost of funding earning assets | 2.0890% | 1,904 |
| Net interest margin | 4.3425% | 748 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 3.1618% | 875 |
| Loan and lease loss provision to assets | 0.2300% | 466 |
| Net operating income to assets | 1.0747% | 1,776 |
| Return on assets (ROA) | 1.0747% | 1,779 |
| Pretax return on assets | 1.4018% | 1,474 |
| Return on Equity (ROE) | 8.7700% | 2,517 |
| Retained earnings to average equity (ytd only) | 8.7748% | 1,149 |
| Net charge-offs to loans | 0.0068% | 2,163 |
| Credit loss provision to net charge-offs | 4,250.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 300.7500% | 387 |
| Efficiency ratio | 65.9496% | 2,549 |
| Assets per employee ($millions) | 4.4939% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 996 |
| Loan loss allowance to noncurrent loans | 84.9670% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.4309% | 356 |
| Noncurrent loans to loans | 1.7965% | 437 |
| Net loans and leases to total assets | 78.4300% | 857 |
| Net loans and leases to deposits | 93.5919% | 972 |
| Net loans and leases to core deposits | 102.0737% | 1,365 |
| Total domestic deposits to total assets | 83.8000% | 2,666 |
| Equity capital to assets | 12.4788% | 1,019 |
| Core capital (leverage) ratio | 12.4957% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0892% | 530 |
| Memoranda: | ||
| Average total assets | $147,384,667 | 3,395 |
| Average earning assets | $139,781,333 | 3,360 |
| Average equity | $18,051,667 | 3,081 |
| Average total loans | $117,315,667 | 3,016 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2350% | 815 |
| Cost of funding earning assets | 1.9757% | 2,054 |
| Net interest margin | 4.2592% | 796 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 3.0655% | 1,013 |
| Loan and lease loss provision to assets | 0.2500% | 381 |
| Net operating income to assets | 1.1053% | 1,646 |
| Return on assets (ROA) | 1.1053% | 1,655 |
| Pretax return on assets | 1.3993% | 1,433 |
| Return on Equity (ROE) | 9.1100% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.1111% | 1,298 |
| Net charge-offs to loans | -0.1163% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 65.0867% | 2,672 |
| Assets per employee ($millions) | 4.5542% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,088 |
| Loan loss allowance to noncurrent loans | 107.2473% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 509 |
| Noncurrent loans to loans | 1.3927% | 588 |
| Net loans and leases to total assets | 77.2800% | 922 |
| Net loans and leases to deposits | 91.7329% | 1,063 |
| Net loans and leases to core deposits | 99.3737% | 1,456 |
| Total domestic deposits to total assets | 84.2400% | 2,645 |
| Equity capital to assets | 12.0356% | 1,111 |
| Core capital (leverage) ratio | 12.6180% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7625% | 553 |
| Memoranda: | ||
| Average total assets | $146,927,000 | 3,407 |
| Average earning assets | $139,086,500 | 3,371 |
| Average equity | $17,824,500 | 3,106 |
| Average total loans | $116,914,000 | 3,023 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8204% | 808 |
| Cost of funding earning assets | 1.3008% | 2,509 |
| Net interest margin | 4.5196% | 599 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 3.3610% | 693 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.1239% | 1,846 |
| Return on assets (ROA) | 1.1239% | 1,822 |
| Pretax return on assets | 1.4800% | 1,471 |
| Return on Equity (ROE) | 9.3900% | 2,662 |
| Retained earnings to average equity (ytd only) | 9.3927% | 1,157 |
| Net charge-offs to loans | 0.0405% | 1,502 |
| Credit loss provision to net charge-offs | 611.1111% | 581 |
| Earnings coverage of net charge-offs (x) | 52.8000% | 1,262 |
| Efficiency ratio | 66.4265% | 2,295 |
| Assets per employee ($millions) | 4.3505% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,353 |
| Loan loss allowance to noncurrent loans | 90.4867% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 335 |
| Noncurrent loans to loans | 1.5596% | 430 |
| Net loans and leases to total assets | 79.6100% | 687 |
| Net loans and leases to deposits | 94.7512% | 884 |
| Net loans and leases to core deposits | 102.0255% | 1,329 |
| Total domestic deposits to total assets | 84.0200% | 2,611 |
| Equity capital to assets | 12.2320% | 1,054 |
| Core capital (leverage) ratio | 12.8053% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8578% | 547 |
| Memoranda: | ||
| Average total assets | $139,869,200 | 3,460 |
| Average earning assets | $131,693,000 | 3,434 |
| Average equity | $16,736,400 | 3,117 |
| Average total loans | $110,994,000 | 3,045 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7044% | 782 |
| Cost of funding earning assets | 1.1781% | 2,496 |
| Net interest margin | 4.5263% | 593 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 3.3701% | 654 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.1448% | 1,929 |
| Return on assets (ROA) | 1.1448% | 1,912 |
| Pretax return on assets | 1.4874% | 1,583 |
| Return on Equity (ROE) | 9.6200% | 2,759 |
| Retained earnings to average equity (ytd only) | 9.6225% | 1,510 |
| Net charge-offs to loans | 0.0522% | 1,155 |
| Credit loss provision to net charge-offs | 490.6977% | 641 |
| Earnings coverage of net charge-offs (x) | 40.9535% | 1,431 |
| Efficiency ratio | 66.6035% | 2,208 |
| Assets per employee ($millions) | 4.0974% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 1,476 |
| Loan loss allowance to noncurrent loans | 90.7205% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2454% | 348 |
| Noncurrent loans to loans | 1.5336% | 467 |
| Net loans and leases to total assets | 80.0800% | 635 |
| Net loans and leases to deposits | 92.1533% | 1,043 |
| Net loans and leases to core deposits | 99.2121% | 1,363 |
| Total domestic deposits to total assets | 86.9000% | 1,918 |
| Equity capital to assets | 12.3672% | 953 |
| Core capital (leverage) ratio | 12.4679% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9275% | 558 |
| Memoranda: | ||
| Average total assets | $138,945,000 | 3,478 |
| Average earning assets | $130,376,000 | 3,448 |
| Average equity | $16,530,250 | 3,117 |
| Average total loans | $109,761,500 | 3,062 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5536% | 774 |
| Cost of funding earning assets | 1.0531% | 2,443 |
| Net interest margin | 4.5006% | 602 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 3.3986% | 601 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.1396% | 2,005 |
| Return on assets (ROA) | 1.1396% | 2,003 |
| Pretax return on assets | 1.4407% | 1,717 |
| Return on Equity (ROE) | 9.7100% | 2,787 |
| Retained earnings to average equity (ytd only) | 9.7071% | 1,485 |
| Net charge-offs to loans | 0.0644% | 911 |
| Credit loss provision to net charge-offs | 371.4286% | 763 |
| Earnings coverage of net charge-offs (x) | 32.2857% | 1,515 |
| Efficiency ratio | 67.6125% | 2,030 |
| Assets per employee ($millions) | 4.0361% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,700 |
| Loan loss allowance to noncurrent loans | 89.7727% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.2184% | 328 |
| Noncurrent loans to loans | 1.5072% | 438 |
| Net loans and leases to total assets | 79.7400% | 664 |
| Net loans and leases to deposits | 92.2659% | 1,006 |
| Net loans and leases to core deposits | 98.6549% | 1,309 |
| Total domestic deposits to total assets | 86.4300% | 2,110 |
| Equity capital to assets | 12.2133% | 993 |
| Core capital (leverage) ratio | 12.4323% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6399% | 584 |
| Memoranda: | ||
| Average total assets | $138,822,667 | 3,487 |
| Average earning assets | $129,716,667 | 3,461 |
| Average equity | $16,297,333 | 3,162 |
| Average total loans | $108,637,667 | 3,069 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5591% | 564 |
| Cost of funding earning assets | 0.9054% | 2,353 |
| Net interest margin | 4.6537% | 477 |
| Noninterest income to average assets | 0.8900% | 706 |
| Noninterest expense to average assets | 3.5296% | 518 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.2577% | 1,778 |
| Return on assets (ROA) | 1.2577% | 1,753 |
| Pretax return on assets | 1.5872% | 1,494 |
| Return on Equity (ROE) | 10.9300% | 2,514 |
| Retained earnings to average equity (ytd only) | 10.9299% | 1,481 |
| Net charge-offs to loans | -0.0037% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.8414% | 1,989 |
| Assets per employee ($millions) | 4.6206% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,923 |
| Loan loss allowance to noncurrent loans | 202.9661% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 839 |
| Noncurrent loans to loans | 0.6526% | 1,154 |
| Net loans and leases to total assets | 77.2200% | 850 |
| Net loans and leases to deposits | 88.0667% | 1,201 |
| Net loans and leases to core deposits | 93.4728% | 1,424 |
| Total domestic deposits to total assets | 87.6900% | 2,026 |
| Equity capital to assets | 11.7834% | 1,065 |
| Core capital (leverage) ratio | 12.0518% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5621% | 602 |
| Memoranda: | ||
| Average total assets | $139,620,000 | 3,523 |
| Average earning assets | $129,446,000 | 3,515 |
| Average equity | $16,066,000 | 3,212 |
| Average total loans | $107,490,000 | 3,116 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 449 |
| Cost of funding earning assets | 0.4960% | 1,421 |
| Net interest margin | 4.2818% | 446 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 3.2843% | 642 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.0354% | 2,436 |
| Return on assets (ROA) | 0.8936% | 2,921 |
| Pretax return on assets | 1.1912% | 2,468 |
| Return on Equity (ROE) | 8.3500% | 3,297 |
| Retained earnings to average equity (ytd only) | 8.3535% | 1,698 |
| Net charge-offs to loans | -0.0195% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.8993% | 1,851 |
| Assets per employee ($millions) | 4.3944% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 1,808 |
| Loan loss allowance to noncurrent loans | 133.0180% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 627 |
| Noncurrent loans to loans | 0.9925% | 737 |
| Net loans and leases to total assets | 74.7300% | 1,148 |
| Net loans and leases to deposits | 87.3989% | 1,209 |
| Net loans and leases to core deposits | 92.1867% | 1,378 |
| Total domestic deposits to total assets | 85.5100% | 2,854 |
| Equity capital to assets | 11.2345% | 1,170 |
| Core capital (leverage) ratio | 11.4517% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0379% | 625 |
| Memoranda: | ||
| Average total assets | $143,135,000 | 3,509 |
| Average earning assets | $135,293,600 | 3,465 |
| Average equity | $15,311,000 | 3,343 |
| Average total loans | $102,679,200 | 3,114 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 397 |
| Cost of funding earning assets | 0.4421% | 1,020 |
| Net interest margin | 4.1971% | 424 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 3.2237% | 665 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.0276% | 2,376 |
| Return on assets (ROA) | 1.0276% | 2,344 |
| Pretax return on assets | 1.3633% | 1,837 |
| Return on Equity (ROE) | 9.7300% | 2,808 |
| Retained earnings to average equity (ytd only) | 9.7259% | 1,423 |
| Net charge-offs to loans | -0.0131% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.0768% | 2,013 |
| Assets per employee ($millions) | 4.1629% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 1,885 |
| Loan loss allowance to noncurrent loans | 104.4877% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 482 |
| Noncurrent loans to loans | 1.2736% | 576 |
| Net loans and leases to total assets | 73.1800% | 1,165 |
| Net loans and leases to deposits | 82.5197% | 1,402 |
| Net loans and leases to core deposits | 86.4906% | 1,499 |
| Total domestic deposits to total assets | 88.6900% | 2,219 |
| Equity capital to assets | 10.8833% | 1,219 |
| Core capital (leverage) ratio | 11.2814% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2411% | 623 |
| Memoranda: | ||
| Average total assets | $143,763,500 | 3,528 |
| Average earning assets | $137,234,500 | 3,473 |
| Average equity | $15,189,250 | 3,389 |
| Average total loans | $101,724,750 | 3,130 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 373 |
| Cost of funding earning assets | 0.4317% | 753 |
| Net interest margin | 4.0755% | 418 |
| Noninterest income to average assets | 0.7197% | 1,263 |
| Noninterest expense to average assets | 3.2026% | 625 |
| Loan and lease loss provision to assets | 0.1661% | 557 |
| Net operating income to assets | 0.9591% | 2,319 |
| Return on assets (ROA) | 0.9591% | 2,296 |
| Pretax return on assets | 1.2442% | 1,921 |
| Return on Equity (ROE) | 9.1681% | 2,642 |
| Retained earnings to average equity (ytd only) | 9.1681% | 1,240 |
| Net charge-offs to loans | -0.0099% | 3,594 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4269% | 2,041 |
| Assets per employee ($millions) | 4.2349% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 2,047 |
| Loan loss allowance to noncurrent loans | 99.5582% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 518 |
| Noncurrent loans to loans | 1.3362% | 581 |
| Net loans and leases to total assets | 69.6434% | 1,326 |
| Net loans and leases to deposits | 78.1605% | 1,529 |
| Net loans and leases to core deposits | 81.9979% | 1,592 |
| Total domestic deposits to total assets | 89.1030% | 2,134 |
| Equity capital to assets | 10.5712% | 1,401 |
| Core capital (leverage) ratio | 10.7559% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3134% | 602 |
| Memoranda: | ||
| Average total assets | $144,505,333 | 3,558 |
| Average earning assets | $138,045,333 | 3,512 |
| Average equity | $15,117,667 | 3,479 |
| Average total loans | $100,640,000 | 3,178 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 399 |
| Cost of funding earning assets | 0.4243% | 759 |
| Net interest margin | 3.9431% | 457 |
| Noninterest income to average assets | 0.7350% | 1,208 |
| Noninterest expense to average assets | 3.0670% | 724 |
| Loan and lease loss provision to assets | 0.1658% | 475 |
| Net operating income to assets | 1.0085% | 1,845 |
| Return on assets (ROA) | 1.0085% | 1,842 |
| Pretax return on assets | 1.2765% | 1,575 |
| Return on Equity (ROE) | 9.6907% | 2,085 |
| Retained earnings to average equity (ytd only) | 9.6907% | 1,097 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0147% | 2,505 |
| Assets per employee ($millions) | 4.2947% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,456 |
| Loan loss allowance to noncurrent loans | 84.8945% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 476 |
| Noncurrent loans to loans | 1.5078% | 546 |
| Net loans and leases to total assets | 67.9738% | 1,215 |
| Net loans and leases to deposits | 76.0058% | 1,445 |
| Net loans and leases to core deposits | 79.4467% | 1,527 |
| Total domestic deposits to total assets | 89.4323% | 1,855 |
| Equity capital to assets | 10.3608% | 1,652 |
| Core capital (leverage) ratio | 10.6912% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5041% | 695 |
| Memoranda: | ||
| Average total assets | $144,765,500 | 3,568 |
| Average earning assets | $138,572,000 | 3,515 |
| Average equity | $15,066,000 | 3,558 |
| Average total loans | $100,146,000 | 3,185 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9229% | 287 |
| Cost of funding earning assets | 0.4995% | 932 |
| Net interest margin | 4.4234% | 313 |
| Noninterest income to average assets | 0.6646% | 1,888 |
| Noninterest expense to average assets | 3.2802% | 651 |
| Loan and lease loss provision to assets | 0.2264% | 443 |
| Net operating income to assets | 1.0101% | 2,629 |
| Return on assets (ROA) | 1.0101% | 2,704 |
| Pretax return on assets | 1.3049% | 2,341 |
| Return on Equity (ROE) | 9.5631% | 2,698 |
| Retained earnings to average equity (ytd only) | 9.5631% | 1,028 |
| Net charge-offs to loans | -0.0040% | 3,504 |
| Credit loss provision to net charge-offs | -7,700.0000% | 4,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1742% | 1,952 |
| Assets per employee ($millions) | 4.3488% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,733 |
| Loan loss allowance to noncurrent loans | 112.7757% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 808 |
| Noncurrent loans to loans | 1.0907% | 888 |
| Net loans and leases to total assets | 68.6517% | 1,191 |
| Net loans and leases to deposits | 76.8544% | 1,502 |
| Net loans and leases to core deposits | 80.2329% | 1,573 |
| Total domestic deposits to total assets | 89.3269% | 1,341 |
| Equity capital to assets | 10.4543% | 2,218 |
| Core capital (leverage) ratio | 10.6674% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0336% | 647 |
| Memoranda: | ||
| Average total assets | $136,028,200 | 3,621 |
| Average earning assets | $127,527,400 | 3,603 |
| Average equity | $14,367,800 | 3,701 |
| Average total loans | $99,450,600 | 3,205 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 294 |
| Cost of funding earning assets | 0.5139% | 980 |
| Net interest margin | 4.4970% | 317 |
| Noninterest income to average assets | 0.6708% | 1,930 |
| Noninterest expense to average assets | 3.2409% | 664 |
| Loan and lease loss provision to assets | 0.2318% | 417 |
| Net operating income to assets | 1.1032% | 2,545 |
| Return on assets (ROA) | 1.1032% | 2,600 |
| Pretax return on assets | 1.3904% | 2,377 |
| Return on Equity (ROE) | 10.4157% | 2,583 |
| Retained earnings to average equity (ytd only) | 10.4157% | 1,192 |
| Net charge-offs to loans | 0.0255% | 1,534 |
| Credit loss provision to net charge-offs | 1,226.3158% | 464 |
| Earnings coverage of net charge-offs (x) | 85.8947% | 944 |
| Efficiency ratio | 66.6462% | 2,014 |
| Assets per employee ($millions) | 4.0938% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,216 |
| Loan loss allowance to noncurrent loans | 105.3172% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 935 |
| Noncurrent loans to loans | 1.0898% | 1,036 |
| Net loans and leases to total assets | 69.8597% | 1,087 |
| Net loans and leases to deposits | 78.5094% | 1,437 |
| Net loans and leases to core deposits | 82.0614% | 1,569 |
| Total domestic deposits to total assets | 88.9826% | 1,286 |
| Equity capital to assets | 10.5964% | 2,369 |
| Core capital (leverage) ratio | 10.7275% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8545% | 707 |
| Memoranda: | ||
| Average total assets | $134,157,750 | 3,678 |
| Average earning assets | $125,058,000 | 3,664 |
| Average equity | $14,209,000 | 3,767 |
| Average total loans | $99,376,000 | 3,247 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1459% | 276 |
| Cost of funding earning assets | 0.5332% | 1,018 |
| Net interest margin | 4.6127% | 301 |
| Noninterest income to average assets | 0.6778% | 1,899 |
| Noninterest expense to average assets | 3.2926% | 621 |
| Loan and lease loss provision to assets | 0.2385% | 423 |
| Net operating income to assets | 1.1171% | 2,481 |
| Return on assets (ROA) | 1.1171% | 2,549 |
| Pretax return on assets | 1.4040% | 2,327 |
| Return on Equity (ROE) | 10.5496% | 2,569 |
| Retained earnings to average equity (ytd only) | 10.5496% | 1,235 |
| Net charge-offs to loans | 0.0281% | 1,387 |
| Credit loss provision to net charge-offs | 1,128.5714% | 440 |
| Earnings coverage of net charge-offs (x) | 77.7143% | 850 |
| Efficiency ratio | 66.7177% | 2,051 |
| Assets per employee ($millions) | 3.9983% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,579 |
| Loan loss allowance to noncurrent loans | 94.0550% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 953 |
| Noncurrent loans to loans | 1.1291% | 1,071 |
| Net loans and leases to total assets | 72.6435% | 890 |
| Net loans and leases to deposits | 81.7492% | 1,254 |
| Net loans and leases to core deposits | 85.4257% | 1,460 |
| Total domestic deposits to total assets | 88.8614% | 1,350 |
| Equity capital to assets | 10.5780% | 2,330 |
| Core capital (leverage) ratio | 11.3044% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0218% | 704 |
| Memoranda: | ||
| Average total assets | $132,480,667 | 3,706 |
| Average earning assets | $122,272,333 | 3,711 |
| Average equity | $14,029,000 | 3,786 |
| Average total loans | $99,712,667 | 3,257 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 263 |
| Cost of funding earning assets | 0.5573% | 1,063 |
| Net interest margin | 4.6655% | 278 |
| Noninterest income to average assets | 0.7373% | 1,754 |
| Noninterest expense to average assets | 3.1143% | 823 |
| Loan and lease loss provision to assets | 0.2998% | 311 |
| Net operating income to assets | 1.2727% | 1,914 |
| Return on assets (ROA) | 1.2727% | 1,992 |
| Pretax return on assets | 1.6000% | 1,725 |
| Return on Equity (ROE) | 12.0114% | 2,011 |
| Retained earnings to average equity (ytd only) | 12.0114% | 1,145 |
| Net charge-offs to loans | 0.1525% | 511 |
| Credit loss provision to net charge-offs | 257.8947% | 809 |
| Earnings coverage of net charge-offs (x) | 16.3421% | 1,320 |
| Efficiency ratio | 62.1110% | 2,738 |
| Assets per employee ($millions) | 4.0787% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,908 |
| Loan loss allowance to noncurrent loans | 104.3897% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 1,184 |
| Noncurrent loans to loans | 0.9415% | 1,437 |
| Net loans and leases to total assets | 72.9777% | 900 |
| Net loans and leases to deposits | 81.7166% | 1,356 |
| Net loans and leases to core deposits | 86.1698% | 1,508 |
| Total domestic deposits to total assets | 89.3058% | 1,168 |
| Equity capital to assets | 10.4453% | 2,320 |
| Core capital (leverage) ratio | 11.4619% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6409% | 718 |
| Memoranda: | ||
| Average total assets | $130,750,000 | 3,732 |
| Average earning assets | $119,859,000 | 3,743 |
| Average equity | $13,853,500 | 3,805 |
| Average total loans | $99,662,500 | 3,264 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 181 |
| Cost of funding earning assets | 0.8236% | 1,115 |
| Net interest margin | 4.7013% | 213 |
| Noninterest income to average assets | 0.6163% | 2,156 |
| Noninterest expense to average assets | 3.5665% | 632 |
| Loan and lease loss provision to assets | 0.2116% | 1,857 |
| Net operating income to assets | 0.9693% | 2,399 |
| Return on assets (ROA) | 0.9693% | 2,547 |
| Pretax return on assets | 1.2258% | 2,241 |
| Return on Equity (ROE) | 8.7760% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.7760% | 830 |
| Net charge-offs to loans | 0.0624% | 1,885 |
| Credit loss provision to net charge-offs | 423.7288% | 1,379 |
| Earnings coverage of net charge-offs (x) | 28.7797% | 1,648 |
| Efficiency ratio | 71.2739% | 1,776 |
| Assets per employee ($millions) | 3.9658% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 4,150 |
| Loan loss allowance to noncurrent loans | 72.0472% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 890 |
| Noncurrent loans to loans | 1.2684% | 1,081 |
| Net loans and leases to total assets | 78.1772% | 590 |
| Net loans and leases to deposits | 87.9669% | 1,094 |
| Net loans and leases to core deposits | 92.7326% | 1,325 |
| Total domestic deposits to total assets | 88.8711% | 1,040 |
| Equity capital to assets | 10.7546% | 2,474 |
| Core capital (leverage) ratio | 11.2868% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7426% | 805 |
| Memoranda: | ||
| Average total assets | $118,128,200 | 3,769 |
| Average earning assets | $110,246,600 | 3,765 |
| Average equity | $13,047,000 | 3,859 |
| Average total loans | $94,609,400 | 3,324 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6113% | 180 |
| Cost of funding earning assets | 0.8612% | 1,206 |
| Net interest margin | 4.7502% | 230 |
| Noninterest income to average assets | 0.6003% | 2,176 |
| Noninterest expense to average assets | 3.5801% | 630 |
| Loan and lease loss provision to assets | 0.2182% | 1,840 |
| Net operating income to assets | 0.9729% | 2,440 |
| Return on assets (ROA) | 0.9729% | 2,573 |
| Pretax return on assets | 1.2168% | 2,338 |
| Return on Equity (ROE) | 8.7462% | 2,500 |
| Retained earnings to average equity (ytd only) | 8.7462% | 1,057 |
| Net charge-offs to loans | -0.0129% | 4,290 |
| Credit loss provision to net charge-offs | -2,111.1111% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3827% | 1,711 |
| Assets per employee ($millions) | 4.0408% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 3,998 |
| Loan loss allowance to noncurrent loans | 73.5458% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 1,111 |
| Noncurrent loans to loans | 1.2544% | 1,200 |
| Net loans and leases to total assets | 79.1284% | 695 |
| Net loans and leases to deposits | 88.9919% | 1,371 |
| Net loans and leases to core deposits | 93.8806% | 1,650 |
| Total domestic deposits to total assets | 88.9164% | 805 |
| Equity capital to assets | 10.6549% | 2,668 |
| Core capital (leverage) ratio | 11.1486% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7386% | 813 |
| Memoranda: | ||
| Average total assets | $115,934,250 | 3,788 |
| Average earning assets | $107,755,250 | 3,797 |
| Average equity | $12,896,750 | 3,880 |
| Average total loans | $93,230,500 | 3,362 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 271 |
| Cost of funding earning assets | 0.8844% | 1,444 |
| Net interest margin | 4.7316% | 315 |
| Noninterest income to average assets | 0.6116% | 2,088 |
| Noninterest expense to average assets | 3.6269% | 628 |
| Loan and lease loss provision to assets | 0.2304% | 1,825 |
| Net operating income to assets | 0.8952% | 2,704 |
| Return on assets (ROA) | 0.8952% | 2,824 |
| Pretax return on assets | 1.1168% | 2,662 |
| Return on Equity (ROE) | 7.9236% | 2,780 |
| Retained earnings to average equity (ytd only) | 7.9236% | 1,330 |
| Net charge-offs to loans | -0.0594% | 4,726 |
| Credit loss provision to net charge-offs | -481.4815% | 3,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9152% | 1,579 |
| Assets per employee ($millions) | 3.9098% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 3,896 |
| Loan loss allowance to noncurrent loans | 67.7171% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.1534% | 961 |
| Noncurrent loans to loans | 1.3673% | 1,131 |
| Net loans and leases to total assets | 77.7790% | 878 |
| Net loans and leases to deposits | 87.6557% | 1,595 |
| Net loans and leases to core deposits | 92.1786% | 1,888 |
| Total domestic deposits to total assets | 88.7323% | 851 |
| Equity capital to assets | 10.7347% | 2,542 |
| Core capital (leverage) ratio | 11.5266% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0881% | 765 |
| Memoranda: | ||
| Average total assets | $112,823,667 | 3,819 |
| Average earning assets | $104,025,000 | 3,841 |
| Average equity | $12,746,667 | 3,901 |
| Average total loans | $90,959,333 | 3,394 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8120% | 214 |
| Cost of funding earning assets | 0.8920% | 1,908 |
| Net interest margin | 4.9200% | 224 |
| Noninterest income to average assets | 0.7180% | 1,578 |
| Noninterest expense to average assets | 3.6932% | 706 |
| Loan and lease loss provision to assets | 0.1473% | 1,925 |
| Net operating income to assets | 1.0936% | 1,866 |
| Return on assets (ROA) | 1.0936% | 1,962 |
| Pretax return on assets | 1.3661% | 1,666 |
| Return on Equity (ROE) | 9.4177% | 1,946 |
| Retained earnings to average equity (ytd only) | 9.4177% | 862 |
| Net charge-offs to loans | -0.0765% | 4,762 |
| Credit loss provision to net charge-offs | -235.2941% | 3,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9335% | 2,228 |
| Assets per employee ($millions) | 3.6350% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 4,228 |
| Loan loss allowance to noncurrent loans | 60.9509% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,022 |
| Noncurrent loans to loans | 1.4242% | 1,118 |
| Net loans and leases to total assets | 79.2519% | 785 |
| Net loans and leases to deposits | 89.7411% | 1,542 |
| Net loans and leases to core deposits | 94.0092% | 1,976 |
| Total domestic deposits to total assets | 88.3117% | 970 |
| Equity capital to assets | 11.3325% | 2,559 |
| Core capital (leverage) ratio | 12.6300% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9563% | 872 |
| Memoranda: | ||
| Average total assets | $108,633,000 | 3,861 |
| Average earning assets | $99,106,000 | 3,888 |
| Average equity | $12,614,500 | 3,928 |
| Average total loans | $88,862,500 | 3,419 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8308% | 308 |
| Cost of funding earning assets | 0.7827% | 2,758 |
| Net interest margin | 5.0481% | 243 |
| Noninterest income to average assets | 0.7329% | 1,691 |
| Noninterest expense to average assets | 4.0921% | 477 |
| Loan and lease loss provision to assets | 0.0727% | 2,545 |
| Net operating income to assets | 0.9442% | 3,042 |
| Return on assets (ROA) | 0.9442% | 3,127 |
| Pretax return on assets | 1.1878% | 2,879 |
| Return on Equity (ROE) | 8.0783% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.0783% | 950 |
| Net charge-offs to loans | 0.1719% | 1,175 |
| Credit loss provision to net charge-offs | 52.1127% | 3,106 |
| Earnings coverage of net charge-offs (x) | 9.0352% | 2,711 |
| Efficiency ratio | 76.4501% | 1,313 |
| Assets per employee ($millions) | 3.0759% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 4,226 |
| Loan loss allowance to noncurrent loans | 64.5592% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 1,037 |
| Noncurrent loans to loans | 1.2814% | 1,177 |
| Net loans and leases to total assets | 83.1059% | 414 |
| Net loans and leases to deposits | 94.7270% | 1,082 |
| Net loans and leases to core deposits | 100.3163% | 1,535 |
| Total domestic deposits to total assets | 87.7320% | 1,256 |
| Equity capital to assets | 11.9133% | 2,190 |
| Core capital (leverage) ratio | 12.4567% | 1,509 |
| Tier 1 risk-based capital ratio | 18.5552% | 1,618 |
| Total risk-based capital ratio | 19.6355% | 1,635 |
| Memoranda: | ||
| Average total assets | $101,781,000 | 3,974 |
| Average earning assets | $93,143,800 | 3,992 |
| Average equity | $11,896,000 | 4,008 |
| Average total loans | $82,598,800 | 3,549 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8033% | 349 |
| Cost of funding earning assets | 0.7496% | 2,969 |
| Net interest margin | 5.0537% | 258 |
| Noninterest income to average assets | 0.7136% | 1,727 |
| Noninterest expense to average assets | 4.0363% | 509 |
| Loan and lease loss provision to assets | 0.0580% | 2,738 |
| Net operating income to assets | 0.9959% | 2,996 |
| Return on assets (ROA) | 0.9959% | 3,071 |
| Pretax return on assets | 1.2439% | 2,834 |
| Return on Equity (ROE) | 8.5633% | 3,078 |
| Retained earnings to average equity (ytd only) | 8.5633% | 1,184 |
| Net charge-offs to loans | 0.1065% | 1,399 |
| Credit loss provision to net charge-offs | 67.6923% | 2,642 |
| Earnings coverage of net charge-offs (x) | 15.1854% | 2,204 |
| Efficiency ratio | 75.6116% | 1,369 |
| Assets per employee ($millions) | 3.0375% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 4,011 |
| Loan loss allowance to noncurrent loans | 57.1534% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 853 |
| Noncurrent loans to loans | 1.5866% | 929 |
| Net loans and leases to total assets | 84.0520% | 347 |
| Net loans and leases to deposits | 96.6481% | 935 |
| Net loans and leases to core deposits | 101.7512% | 1,525 |
| Total domestic deposits to total assets | 86.9670% | 1,539 |
| Equity capital to assets | 12.2129% | 2,104 |
| Core capital (leverage) ratio | 12.6682% | 1,496 |
| Tier 1 risk-based capital ratio | 18.6958% | 1,640 |
| Total risk-based capital ratio | 19.8730% | 1,623 |
| Memoranda: | ||
| Average total assets | $101,081,000 | 4,030 |
| Average earning assets | $92,496,750 | 4,045 |
| Average equity | $11,755,250 | 4,068 |
| Average total loans | $81,339,000 | 3,618 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7756% | 351 |
| Cost of funding earning assets | 0.7438% | 2,925 |
| Net interest margin | 5.0318% | 274 |
| Noninterest income to average assets | 0.6827% | 1,784 |
| Noninterest expense to average assets | 4.0982% | 472 |
| Loan and lease loss provision to assets | 0.0414% | 2,985 |
| Net operating income to assets | 0.8800% | 3,358 |
| Return on assets (ROA) | 0.8800% | 3,422 |
| Pretax return on assets | 1.0951% | 3,245 |
| Return on Equity (ROE) | 7.6943% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.6943% | 1,522 |
| Net charge-offs to loans | 0.0974% | 1,390 |
| Credit loss provision to net charge-offs | 53.8462% | 2,443 |
| Earnings coverage of net charge-offs (x) | 14.7692% | 2,016 |
| Efficiency ratio | 78.2887% | 1,113 |
| Assets per employee ($millions) | 3.1626% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 3,877 |
| Loan loss allowance to noncurrent loans | 76.2562% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0731% | 1,272 |
| Noncurrent loans to loans | 1.2451% | 1,280 |
| Net loans and leases to total assets | 79.7852% | 917 |
| Net loans and leases to deposits | 90.8799% | 1,646 |
| Net loans and leases to core deposits | 94.7522% | 2,182 |
| Total domestic deposits to total assets | 87.7919% | 1,199 |
| Equity capital to assets | 11.7664% | 2,369 |
| Core capital (leverage) ratio | 12.4030% | 1,585 |
| Tier 1 risk-based capital ratio | 18.9116% | 1,572 |
| Total risk-based capital ratio | 20.1378% | 1,548 |
| Memoranda: | ||
| Average total assets | $101,362,000 | 4,044 |
| Average earning assets | $91,696,000 | 4,082 |
| Average equity | $11,593,000 | 4,101 |
| Average total loans | $80,111,000 | 3,658 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8232% | 300 |
| Cost of funding earning assets | 0.7367% | 2,853 |
| Net interest margin | 5.0865% | 250 |
| Noninterest income to average assets | 0.6703% | 1,725 |
| Noninterest expense to average assets | 4.1482% | 437 |
| Loan and lease loss provision to assets | 0.0434% | 2,769 |
| Net operating income to assets | 0.8241% | 3,534 |
| Return on assets (ROA) | 0.8241% | 3,576 |
| Pretax return on assets | 1.0252% | 3,366 |
| Return on Equity (ROE) | 7.3106% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.3106% | 1,923 |
| Net charge-offs to loans | 0.0856% | 1,246 |
| Credit loss provision to net charge-offs | 64.7059% | 1,887 |
| Earnings coverage of net charge-offs (x) | 15.9412% | 1,722 |
| Efficiency ratio | 79.5163% | 1,104 |
| Assets per employee ($millions) | 3.2259% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,841 |
| Loan loss allowance to noncurrent loans | 89.4198% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 1,369 |
| Noncurrent loans to loans | 1.0916% | 1,521 |
| Net loans and leases to total assets | 77.2440% | 1,282 |
| Net loans and leases to deposits | 87.3039% | 1,960 |
| Net loans and leases to core deposits | 91.4449% | 2,351 |
| Total domestic deposits to total assets | 88.4772% | 1,099 |
| Equity capital to assets | 11.2031% | 2,648 |
| Core capital (leverage) ratio | 12.3166% | 1,598 |
| Tier 1 risk-based capital ratio | 18.8427% | 1,577 |
| Total risk-based capital ratio | 20.0924% | 1,542 |
| Memoranda: | ||
| Average total assets | $101,441,500 | 4,084 |
| Average earning assets | $90,672,000 | 4,133 |
| Average equity | $11,435,500 | 4,138 |
| Average total loans | $79,407,000 | 3,707 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5984% | 335 |
| Cost of funding earning assets | 0.6031% | 2,690 |
| Net interest margin | 4.9953% | 266 |
| Noninterest income to average assets | 0.7106% | 1,813 |
| Noninterest expense to average assets | 4.2380% | 388 |
| Loan and lease loss provision to assets | 0.1684% | 1,197 |
| Net operating income to assets | 0.7232% | 4,060 |
| Return on assets (ROA) | 0.7232% | 4,071 |
| Pretax return on assets | 0.9337% | 3,803 |
| Return on Equity (ROE) | 6.2415% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.2415% | 2,068 |
| Net charge-offs to loans | 0.0039% | 3,586 |
| Credit loss provision to net charge-offs | 5,333.3333% | 89 |
| Earnings coverage of net charge-offs (x) | 349.0000% | 297 |
| Efficiency ratio | 79.3613% | 1,011 |
| Assets per employee ($millions) | 3.1142% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 3,606 |
| Loan loss allowance to noncurrent loans | 64.7059% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3938% | 881 |
| Noncurrent loans to loans | 1.5634% | 948 |
| Net loans and leases to total assets | 77.7669% | 1,312 |
| Net loans and leases to deposits | 88.0188% | 2,038 |
| Net loans and leases to core deposits | 91.6972% | 2,438 |
| Total domestic deposits to total assets | 88.3526% | 1,134 |
| Equity capital to assets | 11.3454% | 2,373 |
| Core capital (leverage) ratio | 12.4344% | 1,492 |
| Tier 1 risk-based capital ratio | 18.8340% | 1,543 |
| Total risk-based capital ratio | 20.0846% | 1,510 |
| Memoranda: | ||
| Average total assets | $94,996,600 | 4,186 |
| Average earning assets | $88,042,400 | 4,182 |
| Average equity | $11,007,000 | 4,154 |
| Average total loans | $76,252,800 | 3,745 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5837% | 307 |
| Cost of funding earning assets | 0.5719% | 2,690 |
| Net interest margin | 5.0118% | 263 |
| Noninterest income to average assets | 0.7701% | 1,580 |
| Noninterest expense to average assets | 4.1875% | 404 |
| Loan and lease loss provision to assets | 0.0639% | 2,694 |
| Net operating income to assets | 0.9392% | 3,354 |
| Return on assets (ROA) | 0.9392% | 3,355 |
| Pretax return on assets | 1.2007% | 2,979 |
| Return on Equity (ROE) | 8.0616% | 3,523 |
| Retained earnings to average equity (ytd only) | 8.0616% | 1,616 |
| Net charge-offs to loans | -0.0880% | 5,131 |
| Credit loss provision to net charge-offs | -90.0000% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8048% | 1,254 |
| Assets per employee ($millions) | 2.9764% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,112 |
| Loan loss allowance to noncurrent loans | 55.8959% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.4447% | 908 |
| Noncurrent loans to loans | 1.6752% | 928 |
| Net loans and leases to total assets | 81.0877% | 861 |
| Net loans and leases to deposits | 92.3419% | 1,578 |
| Net loans and leases to core deposits | 96.4243% | 2,075 |
| Total domestic deposits to total assets | 87.8125% | 1,331 |
| Equity capital to assets | 11.7255% | 2,086 |
| Core capital (leverage) ratio | 12.4425% | 1,533 |
| Tier 1 risk-based capital ratio | 18.8104% | 1,587 |
| Total risk-based capital ratio | 20.0082% | 1,564 |
| Memoranda: | ||
| Average total assets | $93,832,500 | 4,242 |
| Average earning assets | $87,657,500 | 4,233 |
| Average equity | $10,932,250 | 4,206 |
| Average total loans | $75,743,750 | 3,792 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5819% | 285 |
| Cost of funding earning assets | 0.5311% | 2,757 |
| Net interest margin | 5.0508% | 225 |
| Noninterest income to average assets | 0.7948% | 1,488 |
| Noninterest expense to average assets | 4.0959% | 475 |
| Loan and lease loss provision to assets | 0.0643% | 2,617 |
| Net operating income to assets | 1.0647% | 2,729 |
| Return on assets (ROA) | 1.0647% | 2,736 |
| Pretax return on assets | 1.3410% | 2,357 |
| Return on Equity (ROE) | 9.1582% | 2,948 |
| Retained earnings to average equity (ytd only) | 9.1582% | 1,162 |
| Net charge-offs to loans | 0.0213% | 2,456 |
| Credit loss provision to net charge-offs | 375.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 812 |
| Efficiency ratio | 74.4548% | 1,644 |
| Assets per employee ($millions) | 2.9967% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 4,527 |
| Loan loss allowance to noncurrent loans | 49.3985% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4297% | 952 |
| Noncurrent loans to loans | 1.7364% | 914 |
| Net loans and leases to total assets | 79.1906% | 1,133 |
| Net loans and leases to deposits | 89.8229% | 1,860 |
| Net loans and leases to core deposits | 91.9325% | 2,406 |
| Total domestic deposits to total assets | 88.1630% | 1,296 |
| Equity capital to assets | 11.5117% | 2,191 |
| Core capital (leverage) ratio | 12.4451% | 1,466 |
| Tier 1 risk-based capital ratio | 18.8752% | 1,583 |
| Total risk-based capital ratio | 19.9726% | 1,582 |
| Memoranda: | ||
| Average total assets | $93,361,670 | 4,289 |
| Average earning assets | $86,996,000 | 4,276 |
| Average equity | $10,853,670 | 4,256 |
| Average total loans | $75,004,330 | 3,831 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 260 |
| Cost of funding earning assets | 0.4874% | 2,887 |
| Net interest margin | 5.0549% | 212 |
| Noninterest income to average assets | 0.9164% | 1,109 |
| Noninterest expense to average assets | 4.1609% | 434 |
| Loan and lease loss provision to assets | 0.0651% | 2,469 |
| Net operating income to assets | 1.1379% | 2,260 |
| Return on assets (ROA) | 1.1379% | 2,276 |
| Pretax return on assets | 1.4203% | 1,935 |
| Return on Equity (ROE) | 9.7389% | 2,570 |
| Retained earnings to average equity (ytd only) | 9.7389% | 1,245 |
| Net charge-offs to loans | 0.0108% | 2,357 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 381 |
| Efficiency ratio | 73.6923% | 1,934 |
| Assets per employee ($millions) | 2.8880% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 4,573 |
| Loan loss allowance to noncurrent loans | 47.5073% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.4759% | 953 |
| Noncurrent loans to loans | 1.8247% | 910 |
| Net loans and leases to total assets | 80.1852% | 910 |
| Net loans and leases to deposits | 91.0760% | 1,547 |
| Net loans and leases to core deposits | 92.9530% | 2,216 |
| Total domestic deposits to total assets | 88.0421% | 1,594 |
| Equity capital to assets | 11.7004% | 1,992 |
| Core capital (leverage) ratio | 12.4136% | 1,428 |
| Tier 1 risk-based capital ratio | 18.9710% | 1,555 |
| Total risk-based capital ratio | 20.0819% | 1,554 |
| Memoranda: | ||
| Average total assets | $92,095,500 | 4,369 |
| Average earning assets | $86,174,000 | 4,341 |
| Average equity | $10,761,000 | 4,313 |
| Average total loans | $74,208,500 | 3,877 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1110% | 519 |
| Cost of funding earning assets | 0.4923% | 2,407 |
| Net interest margin | 4.6187% | 484 |
| Noninterest income to average assets | 0.7193% | 1,888 |
| Noninterest expense to average assets | 4.1076% | 466 |
| Loan and lease loss provision to assets | 0.0643% | 2,932 |
| Net operating income to assets | 0.5842% | 4,082 |
| Return on assets (ROA) | 0.5842% | 4,123 |
| Pretax return on assets | 0.9122% | 3,873 |
| Return on Equity (ROE) | 5.1972% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.1972% | 2,004 |
| Net charge-offs to loans | 0.0915% | 2,169 |
| Credit loss provision to net charge-offs | 89.5522% | 2,793 |
| Earnings coverage of net charge-offs (x) | 13.5970% | 2,381 |
| Efficiency ratio | 80.7927% | 1,032 |
| Assets per employee ($millions) | 2.9605% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 4,626 |
| Loan loss allowance to noncurrent loans | 63.0586% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 1,386 |
| Noncurrent loans to loans | 1.3670% | 1,270 |
| Net loans and leases to total assets | 79.5750% | 1,021 |
| Net loans and leases to deposits | 90.3781% | 1,729 |
| Net loans and leases to core deposits | 92.2492% | 2,353 |
| Total domestic deposits to total assets | 88.0469% | 1,474 |
| Equity capital to assets | 11.6688% | 2,060 |
| Core capital (leverage) ratio | 12.1206% | 1,548 |
| Tier 1 risk-based capital ratio | 18.8225% | 1,552 |
| Total risk-based capital ratio | 19.9289% | 1,549 |
| Memoranda: | ||
| Average total assets | $93,290,800 | 4,364 |
| Average earning assets | $88,162,400 | 4,329 |
| Average equity | $10,486,400 | 4,381 |
| Average total loans | $73,186,000 | 3,892 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 557 |
| Cost of funding earning assets | 0.4958% | 2,302 |
| Net interest margin | 4.5510% | 536 |
| Noninterest income to average assets | 0.7174% | 1,926 |
| Noninterest expense to average assets | 4.0567% | 486 |
| Loan and lease loss provision to assets | 0.0285% | 3,561 |
| Net operating income to assets | 0.6462% | 4,206 |
| Return on assets (ROA) | 0.6462% | 4,264 |
| Pretax return on assets | 0.9437% | 3,887 |
| Return on Equity (ROE) | 5.8032% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.8032% | 2,377 |
| Net charge-offs to loans | 0.0383% | 2,668 |
| Credit loss provision to net charge-offs | 95.2381% | 2,384 |
| Earnings coverage of net charge-offs (x) | 32.5229% | 1,481 |
| Efficiency ratio | 80.6680% | 1,028 |
| Assets per employee ($millions) | 2.9485% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 4,663 |
| Loan loss allowance to noncurrent loans | 44.6379% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 936 |
| Noncurrent loans to loans | 1.9642% | 872 |
| Net loans and leases to total assets | 79.2838% | 1,085 |
| Net loans and leases to deposits | 90.1791% | 1,787 |
| Net loans and leases to core deposits | 92.0602% | 2,436 |
| Total domestic deposits to total assets | 87.9182% | 1,411 |
| Equity capital to assets | 11.6770% | 2,210 |
| Core capital (leverage) ratio | 12.1159% | 1,618 |
| Tier 1 risk-based capital ratio | 14.9523% | 2,939 |
| Total risk-based capital ratio | 15.8469% | 3,048 |
| Memoranda: | ||
| Average total assets | $93,669,750 | 4,392 |
| Average earning assets | $88,740,500 | 4,355 |
| Average equity | $10,430,750 | 4,430 |
| Average total loans | $73,066,250 | 3,926 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 549 |
| Cost of funding earning assets | 0.4926% | 2,233 |
| Net interest margin | 4.5200% | 544 |
| Noninterest income to average assets | 0.7032% | 1,975 |
| Noninterest expense to average assets | 3.9269% | 580 |
| Loan and lease loss provision to assets | 0.0254% | 3,491 |
| Net operating income to assets | 0.7201% | 3,751 |
| Return on assets (ROA) | 0.7201% | 3,824 |
| Pretax return on assets | 1.0463% | 3,381 |
| Return on Equity (ROE) | 6.5700% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.5700% | 1,806 |
| Net charge-offs to loans | 0.0575% | 2,106 |
| Credit loss provision to net charge-offs | 57.1429% | 2,487 |
| Earnings coverage of net charge-offs (x) | 24.0952% | 1,654 |
| Efficiency ratio | 78.5593% | 1,388 |
| Assets per employee ($millions) | 2.8390% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 4,746 |
| Loan loss allowance to noncurrent loans | 40.1395% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 730 |
| Noncurrent loans to loans | 2.1701% | 750 |
| Net loans and leases to total assets | 76.8882% | 1,399 |
| Net loans and leases to deposits | 86.9956% | 2,103 |
| Net loans and leases to core deposits | 88.7699% | 2,638 |
| Total domestic deposits to total assets | 88.3816% | 1,264 |
| Equity capital to assets | 11.2843% | 2,510 |
| Core capital (leverage) ratio | 11.4060% | 2,043 |
| Tier 1 risk-based capital ratio | 15.0210% | 2,915 |
| Total risk-based capital ratio | 15.9181% | 3,000 |
| Memoranda: | ||
| Average total assets | $94,425,670 | 4,405 |
| Average earning assets | $89,735,000 | 4,362 |
| Average equity | $10,350,000 | 4,461 |
| Average total loans | $73,052,330 | 3,945 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 603 |
| Cost of funding earning assets | 0.4824% | 2,229 |
| Net interest margin | 4.4385% | 591 |
| Noninterest income to average assets | 0.6625% | 2,129 |
| Noninterest expense to average assets | 4.0002% | 540 |
| Loan and lease loss provision to assets | 0.0169% | 3,355 |
| Net operating income to assets | 0.6414% | 3,973 |
| Return on assets (ROA) | 0.6414% | 4,010 |
| Pretax return on assets | 0.9157% | 3,709 |
| Return on Equity (ROE) | 5.9381% | 3,951 |
| Retained earnings to average equity (ytd only) | 5.9381% | 2,383 |
| Net charge-offs to loans | 0.1693% | 965 |
| Credit loss provision to net charge-offs | 12.9032% | 2,207 |
| Earnings coverage of net charge-offs (x) | 7.1290% | 2,164 |
| Efficiency ratio | 81.0950% | 1,247 |
| Assets per employee ($millions) | 3.0650% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 4,919 |
| Loan loss allowance to noncurrent loans | 38.5580% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.7787% | 809 |
| Noncurrent loans to loans | 2.2102% | 764 |
| Net loans and leases to total assets | 75.3039% | 1,525 |
| Net loans and leases to deposits | 84.7066% | 2,190 |
| Net loans and leases to core deposits | 86.4016% | 2,682 |
| Total domestic deposits to total assets | 88.8996% | 1,195 |
| Equity capital to assets | 10.8562% | 2,793 |
| Core capital (leverage) ratio | 11.0792% | 2,283 |
| Tier 1 risk-based capital ratio | 14.8371% | 3,054 |
| Total risk-based capital ratio | 15.7136% | 3,150 |
| Memoranda: | ||
| Average total assets | $94,794,500 | 4,445 |
| Average earning assets | $91,203,000 | 4,366 |
| Average equity | $10,239,000 | 4,505 |
| Average total loans | $73,244,500 | 3,969 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 731 |
| Cost of funding earning assets | 0.5357% | 1,821 |
| Net interest margin | 4.3709% | 819 |
| Noninterest income to average assets | 0.6555% | 2,394 |
| Noninterest expense to average assets | 4.0153% | 585 |
| Loan and lease loss provision to assets | 0.0192% | 3,993 |
| Net operating income to assets | 0.6204% | 4,119 |
| Return on assets (ROA) | 0.6204% | 4,240 |
| Pretax return on assets | 0.8218% | 4,123 |
| Return on Equity (ROE) | 5.8491% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.8491% | 1,790 |
| Net charge-offs to loans | 0.0732% | 2,651 |
| Credit loss provision to net charge-offs | 33.9623% | 3,551 |
| Earnings coverage of net charge-offs (x) | 14.8868% | 2,254 |
| Efficiency ratio | 82.6822% | 1,123 |
| Assets per employee ($millions) | 2.8659% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,916 |
| Loan loss allowance to noncurrent loans | 47.3801% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.4708% | 1,150 |
| Noncurrent loans to loans | 1.8231% | 1,041 |
| Net loans and leases to total assets | 77.9094% | 1,209 |
| Net loans and leases to deposits | 87.6916% | 1,960 |
| Net loans and leases to core deposits | 89.1311% | 2,579 |
| Total domestic deposits to total assets | 88.8447% | 1,182 |
| Equity capital to assets | 10.7461% | 2,873 |
| Core capital (leverage) ratio | 10.8853% | 2,446 |
| Tier 1 risk-based capital ratio | 14.3378% | 3,261 |
| Total risk-based capital ratio | 15.2351% | 3,382 |
| Memoranda: | ||
| Average total assets | $93,816,000 | 4,473 |
| Average earning assets | $90,164,000 | 4,379 |
| Average equity | $9,950,200 | 4,590 |
| Average total loans | $72,400,800 | 3,980 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 756 |
| Cost of funding earning assets | 0.5423% | 1,774 |
| Net interest margin | 4.3369% | 868 |
| Noninterest income to average assets | 0.6565% | 2,383 |
| Noninterest expense to average assets | 4.0102% | 579 |
| Loan and lease loss provision to assets | 0.0199% | 3,842 |
| Net operating income to assets | 0.5582% | 4,464 |
| Return on assets (ROA) | 0.5582% | 4,569 |
| Pretax return on assets | 0.7946% | 4,326 |
| Return on Equity (ROE) | 5.2809% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.2809% | 2,643 |
| Net charge-offs to loans | 0.0853% | 2,112 |
| Credit loss provision to net charge-offs | 30.4348% | 3,223 |
| Earnings coverage of net charge-offs (x) | 12.4352% | 2,390 |
| Efficiency ratio | 83.1169% | 1,061 |
| Assets per employee ($millions) | 2.7503% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 4,954 |
| Loan loss allowance to noncurrent loans | 39.9134% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.7666% | 942 |
| Noncurrent loans to loans | 2.1948% | 853 |
| Net loans and leases to total assets | 78.0464% | 1,186 |
| Net loans and leases to deposits | 88.0351% | 2,014 |
| Net loans and leases to core deposits | 89.5023% | 2,624 |
| Total domestic deposits to total assets | 88.6537% | 1,074 |
| Equity capital to assets | 10.8404% | 3,211 |
| Core capital (leverage) ratio | 10.8738% | 2,598 |
| Tier 1 risk-based capital ratio | 14.1518% | 3,479 |
| Total risk-based capital ratio | 15.0585% | 3,592 |
| Memoranda: | ||
| Average total assets | $93,626,500 | 4,515 |
| Average earning assets | $89,984,500 | 4,420 |
| Average equity | $9,897,000 | 4,636 |
| Average total loans | $71,920,000 | 4,023 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 780 |
| Cost of funding earning assets | 0.5448% | 1,740 |
| Net interest margin | 4.3203% | 886 |
| Noninterest income to average assets | 0.6000% | 2,617 |
| Noninterest expense to average assets | 3.9460% | 634 |
| Loan and lease loss provision to assets | 0.0192% | 3,753 |
| Net operating income to assets | 0.5488% | 4,484 |
| Return on assets (ROA) | 0.5488% | 4,591 |
| Pretax return on assets | 0.7836% | 4,340 |
| Return on Equity (ROE) | 5.2358% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.2358% | 2,588 |
| Net charge-offs to loans | 0.0673% | 2,229 |
| Credit loss provision to net charge-offs | 37.5000% | 2,797 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,976 |
| Efficiency ratio | 83.0935% | 1,133 |
| Assets per employee ($millions) | 3.1030% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 4,874 |
| Loan loss allowance to noncurrent loans | 41.6614% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.8326% | 926 |
| Noncurrent loans to loans | 2.2193% | 840 |
| Net loans and leases to total assets | 76.2015% | 1,464 |
| Net loans and leases to deposits | 85.7699% | 2,276 |
| Net loans and leases to core deposits | 87.4824% | 2,780 |
| Total domestic deposits to total assets | 88.8441% | 991 |
| Equity capital to assets | 10.7477% | 3,347 |
| Core capital (leverage) ratio | 10.7417% | 2,701 |
| Tier 1 risk-based capital ratio | 14.4188% | 3,366 |
| Total risk-based capital ratio | 15.3797% | 3,447 |
| Memoranda: | ||
| Average total assets | $93,665,000 | 4,541 |
| Average earning assets | $89,947,000 | 4,462 |
| Average equity | $9,817,000 | 4,679 |
| Average total loans | $71,351,000 | 4,059 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 817 |
| Cost of funding earning assets | 0.5450% | 1,752 |
| Net interest margin | 4.2712% | 971 |
| Noninterest income to average assets | 0.5620% | 2,730 |
| Noninterest expense to average assets | 3.8956% | 689 |
| Loan and lease loss provision to assets | 0.0170% | 3,466 |
| Net operating income to assets | 0.5279% | 4,514 |
| Return on assets (ROA) | 0.5279% | 4,623 |
| Pretax return on assets | 0.7536% | 4,357 |
| Return on Equity (ROE) | 5.1013% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.1013% | 2,870 |
| Net charge-offs to loans | 0.1292% | 1,330 |
| Credit loss provision to net charge-offs | 17.3913% | 2,315 |
| Earnings coverage of net charge-offs (x) | 7.8696% | 2,108 |
| Efficiency ratio | 83.4854% | 1,203 |
| Assets per employee ($millions) | 3.2149% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,968 |
| Loan loss allowance to noncurrent loans | 41.9478% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.6963% | 1,144 |
| Noncurrent loans to loans | 2.2074% | 925 |
| Net loans and leases to total assets | 73.1085% | 1,866 |
| Net loans and leases to deposits | 81.7206% | 2,581 |
| Net loans and leases to core deposits | 83.2833% | 3,008 |
| Total domestic deposits to total assets | 89.4616% | 856 |
| Equity capital to assets | 10.1890% | 3,855 |
| Core capital (leverage) ratio | 10.4772% | 2,997 |
| Tier 1 risk-based capital ratio | 14.1799% | 3,582 |
| Total risk-based capital ratio | 15.1334% | 3,699 |
| Memoranda: | ||
| Average total assets | $93,952,500 | 4,578 |
| Average earning assets | $90,279,000 | 4,494 |
| Average equity | $9,723,000 | 4,723 |
| Average total loans | $71,227,500 | 4,088 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 694 |
| Cost of funding earning assets | 0.5682% | 1,606 |
| Net interest margin | 4.3777% | 831 |
| Noninterest income to average assets | 0.6690% | 2,350 |
| Noninterest expense to average assets | 4.1482% | 570 |
| Loan and lease loss provision to assets | 0.1318% | 1,816 |
| Net operating income to assets | 0.4456% | 4,899 |
| Return on assets (ROA) | 0.4456% | 4,981 |
| Pretax return on assets | 0.5886% | 4,878 |
| Return on Equity (ROE) | 4.2294% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.2294% | 2,976 |
| Net charge-offs to loans | 0.1654% | 1,712 |
| Credit loss provision to net charge-offs | 102.6087% | 2,444 |
| Earnings coverage of net charge-offs (x) | 5.6087% | 3,358 |
| Efficiency ratio | 85.2030% | 1,071 |
| Assets per employee ($millions) | 2.8581% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 4,876 |
| Loan loss allowance to noncurrent loans | 45.0732% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.7243% | 1,118 |
| Noncurrent loans to loans | 2.1070% | 974 |
| Net loans and leases to total assets | 77.2027% | 1,225 |
| Net loans and leases to deposits | 86.7367% | 2,035 |
| Net loans and leases to core deposits | 88.4934% | 2,554 |
| Total domestic deposits to total assets | 89.0081% | 1,114 |
| Equity capital to assets | 10.5174% | 3,341 |
| Core capital (leverage) ratio | 10.6366% | 2,788 |
| Tier 1 risk-based capital ratio | 14.0061% | 3,710 |
| Total risk-based capital ratio | 14.9861% | 3,797 |
| Memoranda: | ||
| Average total assets | $89,533,600 | 4,687 |
| Average earning assets | $85,890,000 | 4,589 |
| Average equity | $9,434,000 | 4,762 |
| Average total loans | $69,521,000 | 4,103 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 720 |
| Cost of funding earning assets | 0.5729% | 1,595 |
| Net interest margin | 4.3569% | 865 |
| Noninterest income to average assets | 0.6543% | 2,455 |
| Noninterest expense to average assets | 4.0574% | 625 |
| Loan and lease loss provision to assets | 0.0210% | 3,857 |
| Net operating income to assets | 0.6049% | 4,359 |
| Return on assets (ROA) | 0.6049% | 4,459 |
| Pretax return on assets | 0.7546% | 4,474 |
| Return on Equity (ROE) | 5.7378% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.7378% | 2,409 |
| Net charge-offs to loans | 0.1583% | 1,560 |
| Credit loss provision to net charge-offs | 17.0732% | 3,386 |
| Earnings coverage of net charge-offs (x) | 6.3171% | 3,065 |
| Efficiency ratio | 83.9529% | 1,181 |
| Assets per employee ($millions) | 2.8116% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 5,357 |
| Loan loss allowance to noncurrent loans | 46.4724% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.5483% | 1,443 |
| Noncurrent loans to loans | 1.8356% | 1,285 |
| Net loans and leases to total assets | 78.2841% | 1,056 |
| Net loans and leases to deposits | 88.2685% | 1,865 |
| Net loans and leases to core deposits | 90.0943% | 2,455 |
| Total domestic deposits to total assets | 88.6886% | 1,183 |
| Equity capital to assets | 10.7168% | 3,343 |
| Core capital (leverage) ratio | 10.7961% | 2,720 |
| Tier 1 risk-based capital ratio | 14.0266% | 3,829 |
| Total risk-based capital ratio | 14.9046% | 3,976 |
| Memoranda: | ||
| Average total assets | $89,052,500 | 4,749 |
| Average earning assets | $85,410,000 | 4,651 |
| Average equity | $9,387,750 | 4,828 |
| Average total loans | $69,080,000 | 4,152 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 711 |
| Cost of funding earning assets | 0.5708% | 1,643 |
| Net interest margin | 4.3429% | 851 |
| Noninterest income to average assets | 0.6265% | 2,595 |
| Noninterest expense to average assets | 4.0700% | 625 |
| Loan and lease loss provision to assets | 0.0203% | 3,728 |
| Net operating income to assets | 0.5409% | 4,600 |
| Return on assets (ROA) | 0.5409% | 4,709 |
| Pretax return on assets | 0.7031% | 4,639 |
| Return on Equity (ROE) | 5.1596% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.1596% | 2,760 |
| Net charge-offs to loans | 0.1198% | 1,813 |
| Credit loss provision to net charge-offs | 21.9512% | 3,002 |
| Earnings coverage of net charge-offs (x) | 7.8293% | 2,623 |
| Efficiency ratio | 84.9083% | 1,162 |
| Assets per employee ($millions) | 2.7051% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 5,117 |
| Loan loss allowance to noncurrent loans | 48.7842% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 1,546 |
| Noncurrent loans to loans | 1.9367% | 1,284 |
| Net loans and leases to total assets | 75.4008% | 1,455 |
| Net loans and leases to deposits | 84.6780% | 2,224 |
| Net loans and leases to core deposits | 86.4430% | 2,721 |
| Total domestic deposits to total assets | 89.0441% | 1,118 |
| Equity capital to assets | 10.5145% | 3,423 |
| Core capital (leverage) ratio | 10.4908% | 2,974 |
| Tier 1 risk-based capital ratio | 14.6260% | 3,566 |
| Total risk-based capital ratio | 15.6128% | 3,644 |
| Memoranda: | ||
| Average total assets | $88,746,330 | 4,798 |
| Average earning assets | $85,151,000 | 4,703 |
| Average equity | $9,303,000 | 4,883 |
| Average total loans | $68,427,000 | 4,203 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 752 |
| Cost of funding earning assets | 0.5648% | 1,707 |
| Net interest margin | 4.3023% | 875 |
| Noninterest income to average assets | 0.6012% | 2,645 |
| Noninterest expense to average assets | 4.1362% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5153% | 4,595 |
| Return on assets (ROA) | 0.5153% | 4,721 |
| Pretax return on assets | 0.5967% | 4,922 |
| Return on Equity (ROE) | 4.9236% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.9236% | 3,099 |
| Net charge-offs to loans | -0.0175% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3926% | 1,069 |
| Assets per employee ($millions) | 2.7944% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 5,090 |
| Loan loss allowance to noncurrent loans | 35.8581% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 2.1114% | 1,090 |
| Noncurrent loans to loans | 2.7587% | 843 |
| Net loans and leases to total assets | 75.7775% | 1,243 |
| Net loans and leases to deposits | 85.1451% | 1,936 |
| Net loans and leases to core deposits | 86.6398% | 2,477 |
| Total domestic deposits to total assets | 88.9981% | 1,273 |
| Equity capital to assets | 10.4685% | 3,569 |
| Core capital (leverage) ratio | 10.4734% | 3,005 |
| Tier 1 risk-based capital ratio | 14.4302% | 3,758 |
| Total risk-based capital ratio | 15.4706% | 3,795 |
| Memoranda: | ||
| Average total assets | $88,486,000 | 4,851 |
| Average earning assets | $84,978,500 | 4,748 |
| Average equity | $9,261,500 | 4,926 |
| Average total loans | $68,665,500 | 4,209 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 980 |
| Cost of funding earning assets | 0.6091% | 1,689 |
| Net interest margin | 4.2581% | 1,147 |
| Noninterest income to average assets | 0.6667% | 2,471 |
| Noninterest expense to average assets | 3.9327% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5320% | 4,677 |
| Return on assets (ROA) | 0.5320% | 4,765 |
| Pretax return on assets | 0.8059% | 4,236 |
| Return on Equity (ROE) | 5.3975% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.3975% | 2,328 |
| Net charge-offs to loans | 0.1335% | 2,682 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.9778% | 2,942 |
| Efficiency ratio | 82.9938% | 1,526 |
| Assets per employee ($millions) | 2.7360% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 5,162 |
| Loan loss allowance to noncurrent loans | 35.3064% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 2.1804% | 1,121 |
| Noncurrent loans to loans | 2.7710% | 861 |
| Net loans and leases to total assets | 77.9192% | 1,006 |
| Net loans and leases to deposits | 87.4479% | 1,799 |
| Net loans and leases to core deposits | 89.3609% | 2,348 |
| Total domestic deposits to total assets | 89.1035% | 1,177 |
| Equity capital to assets | 10.4648% | 3,530 |
| Core capital (leverage) ratio | 10.5822% | 2,858 |
| Tier 1 risk-based capital ratio | 16.9840% | 2,524 |
| Total risk-based capital ratio | 18.2179% | 2,486 |
| Memoranda: | ||
| Average total assets | $89,098,200 | 4,859 |
| Average earning assets | $85,202,200 | 4,755 |
| Average equity | $8,781,800 | 5,026 |
| Average total loans | $67,425,200 | 4,251 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 1,052 |
| Cost of funding earning assets | 0.6128% | 1,738 |
| Net interest margin | 4.2197% | 1,227 |
| Noninterest income to average assets | 0.6675% | 2,485 |
| Noninterest expense to average assets | 3.8396% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5572% | 4,643 |
| Return on assets (ROA) | 0.5572% | 4,720 |
| Pretax return on assets | 0.8597% | 4,146 |
| Return on Equity (ROE) | 5.7404% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.7404% | 2,579 |
| Net charge-offs to loans | 0.1650% | 2,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.9520% | 2,997 |
| Efficiency ratio | 81.7058% | 1,658 |
| Assets per employee ($millions) | 2.7764% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 5,193 |
| Loan loss allowance to noncurrent loans | 38.6493% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 2.0069% | 1,425 |
| Noncurrent loans to loans | 2.6011% | 1,102 |
| Net loans and leases to total assets | 75.4806% | 1,289 |
| Net loans and leases to deposits | 84.8678% | 2,049 |
| Net loans and leases to core deposits | 86.7036% | 2,583 |
| Total domestic deposits to total assets | 88.9390% | 1,274 |
| Equity capital to assets | 10.0772% | 4,074 |
| Core capital (leverage) ratio | 10.3024% | 3,293 |
| Tier 1 risk-based capital ratio | 16.7216% | 2,717 |
| Total risk-based capital ratio | 17.9626% | 2,674 |
| Memoranda: | ||
| Average total assets | $89,485,000 | 4,906 |
| Average earning assets | $85,501,750 | 4,803 |
| Average equity | $8,686,750 | 5,091 |
| Average total loans | $67,058,250 | 4,308 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 1,095 |
| Cost of funding earning assets | 0.6140% | 1,776 |
| Net interest margin | 4.1719% | 1,309 |
| Noninterest income to average assets | 0.6176% | 2,725 |
| Noninterest expense to average assets | 3.7793% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5329% | 4,680 |
| Return on assets (ROA) | 0.5329% | 4,772 |
| Pretax return on assets | 0.8228% | 4,188 |
| Return on Equity (ROE) | 5.5594% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.5594% | 2,606 |
| Net charge-offs to loans | 0.2244% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.9200% | 3,018 |
| Efficiency ratio | 82.1221% | 1,725 |
| Assets per employee ($millions) | 2.9135% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 5,206 |
| Loan loss allowance to noncurrent loans | 42.2699% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 1.8667% | 1,742 |
| Noncurrent loans to loans | 2.4388% | 1,286 |
| Net loans and leases to total assets | 73.2368% | 1,543 |
| Net loans and leases to deposits | 81.7485% | 2,277 |
| Net loans and leases to core deposits | 83.4703% | 2,795 |
| Total domestic deposits to total assets | 89.5879% | 1,025 |
| Equity capital to assets | 9.7500% | 4,429 |
| Core capital (leverage) ratio | 9.9842% | 3,637 |
| Tier 1 risk-based capital ratio | 16.7033% | 2,743 |
| Total risk-based capital ratio | 17.9541% | 2,705 |
| Memoranda: | ||
| Average total assets | $89,698,670 | 4,938 |
| Average earning assets | $85,668,000 | 4,832 |
| Average equity | $8,598,000 | 5,138 |
| Average total loans | $66,830,670 | 4,332 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 939 |
| Cost of funding earning assets | 0.6196% | 1,818 |
| Net interest margin | 4.2341% | 1,133 |
| Noninterest income to average assets | 0.5907% | 2,790 |
| Noninterest expense to average assets | 3.6873% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6086% | 4,157 |
| Return on assets (ROA) | 0.6086% | 4,239 |
| Pretax return on assets | 0.9397% | 3,557 |
| Return on Equity (ROE) | 6.4045% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.4045% | 2,332 |
| Net charge-offs to loans | 0.1736% | 1,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.2414% | 2,138 |
| Efficiency ratio | 79.6905% | 2,248 |
| Assets per employee ($millions) | 3.0381% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 5,079 |
| Loan loss allowance to noncurrent loans | 52.9921% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 2.0528% | 1,647 |
| Noncurrent loans to loans | 2.0949% | 1,764 |
| Net loans and leases to total assets | 71.8336% | 1,601 |
| Net loans and leases to deposits | 79.7904% | 2,321 |
| Net loans and leases to core deposits | 81.4430% | 2,800 |
| Total domestic deposits to total assets | 90.0279% | 1,063 |
| Equity capital to assets | 9.4630% | 4,547 |
| Core capital (leverage) ratio | 9.7729% | 3,899 |
| Tier 1 risk-based capital ratio | 16.8549% | 2,756 |
| Total risk-based capital ratio | 18.1071% | 2,712 |
| Memoranda: | ||
| Average total assets | $89,389,000 | 4,986 |
| Average earning assets | $85,213,500 | 4,884 |
| Average equity | $8,494,000 | 5,184 |
| Average total loans | $66,828,500 | 4,364 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2026% | 637 |
| Cost of funding earning assets | 0.7003% | 1,814 |
| Net interest margin | 4.5023% | 733 |
| Noninterest income to average assets | 0.6014% | 3,091 |
| Noninterest expense to average assets | 3.9827% | 887 |
| Loan and lease loss provision to assets | 0.0205% | 4,724 |
| Net operating income to assets | 0.6162% | 4,189 |
| Return on assets (ROA) | 0.6162% | 4,302 |
| Pretax return on assets | 0.8891% | 3,808 |
| Return on Equity (ROE) | 6.4715% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.4715% | 1,703 |
| Net charge-offs to loans | 0.0732% | 4,184 |
| Credit loss provision to net charge-offs | 36.7347% | 4,105 |
| Earnings coverage of net charge-offs (x) | 16.3265% | 1,810 |
| Efficiency ratio | 81.4083% | 1,959 |
| Assets per employee ($millions) | 2.8269% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 4,984 |
| Loan loss allowance to noncurrent loans | 45.5033% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 2.3050% | 1,527 |
| Noncurrent loans to loans | 2.4893% | 1,521 |
| Net loans and leases to total assets | 76.0960% | 1,062 |
| Net loans and leases to deposits | 84.6183% | 1,849 |
| Net loans and leases to core deposits | 85.7301% | 2,481 |
| Total domestic deposits to total assets | 89.9286% | 1,112 |
| Equity capital to assets | 9.5431% | 4,361 |
| Core capital (leverage) ratio | 9.9940% | 3,586 |
| Tier 1 risk-based capital ratio | 16.2189% | 3,000 |
| Total risk-based capital ratio | 17.4719% | 2,954 |
| Memoranda: | ||
| Average total assets | $87,955,600 | 5,029 |
| Average earning assets | $83,823,400 | 4,938 |
| Average equity | $8,375,200 | 5,246 |
| Average total loans | $66,953,400 | 4,378 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2492% | 589 |
| Cost of funding earning assets | 0.7118% | 1,872 |
| Net interest margin | 4.5375% | 693 |
| Noninterest income to average assets | 0.5740% | 3,305 |
| Noninterest expense to average assets | 3.8786% | 992 |
| Loan and lease loss provision to assets | 0.0273% | 4,465 |
| Net operating income to assets | 0.6437% | 4,158 |
| Return on assets (ROA) | 0.6437% | 4,275 |
| Pretax return on assets | 0.9935% | 3,528 |
| Return on Equity (ROE) | 6.7633% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.7633% | 1,993 |
| Net charge-offs to loans | 0.0998% | 3,551 |
| Credit loss provision to net charge-offs | 36.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | 13.4789% | 2,028 |
| Efficiency ratio | 79.1654% | 2,242 |
| Assets per employee ($millions) | 2.8096% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,275 |
| Loan loss allowance to noncurrent loans | 47.9573% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 2.2182% | 1,797 |
| Noncurrent loans to loans | 2.3242% | 1,884 |
| Net loans and leases to total assets | 77.7182% | 780 |
| Net loans and leases to deposits | 86.7177% | 1,522 |
| Net loans and leases to core deposits | 87.8647% | 2,208 |
| Total domestic deposits to total assets | 89.6220% | 1,208 |
| Equity capital to assets | 9.5685% | 4,465 |
| Core capital (leverage) ratio | 9.9315% | 3,770 |
| Tier 1 risk-based capital ratio | 15.7826% | 3,311 |
| Total risk-based capital ratio | 17.0347% | 3,263 |
| Memoranda: | ||
| Average total assets | $88,036,000 | 5,074 |
| Average earning assets | $83,921,000 | 4,978 |
| Average equity | $8,378,250 | 5,300 |
| Average total loans | $66,829,250 | 4,415 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 555 |
| Cost of funding earning assets | 0.7268% | 1,869 |
| Net interest margin | 4.5435% | 657 |
| Noninterest income to average assets | 0.5071% | 3,783 |
| Noninterest expense to average assets | 3.9118% | 966 |
| Loan and lease loss provision to assets | 0.0407% | 4,139 |
| Net operating income to assets | 0.5727% | 4,431 |
| Return on assets (ROA) | 0.5727% | 4,605 |
| Pretax return on assets | 0.8851% | 3,968 |
| Return on Equity (ROE) | 6.0288% | 4,157 |
| Retained earnings to average equity (ytd only) | 6.0288% | 2,420 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8610% | 2,041 |
| Assets per employee ($millions) | 2.7564% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 5,000 |
| Loan loss allowance to noncurrent loans | 45.2925% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 2.4488% | 1,734 |
| Noncurrent loans to loans | 2.6467% | 1,729 |
| Net loans and leases to total assets | 75.9673% | 991 |
| Net loans and leases to deposits | 84.2983% | 1,763 |
| Net loans and leases to core deposits | 85.3886% | 2,394 |
| Total domestic deposits to total assets | 90.1173% | 966 |
| Equity capital to assets | 9.4144% | 4,699 |
| Core capital (leverage) ratio | 9.6296% | 4,034 |
| Tier 1 risk-based capital ratio | 15.6286% | 3,408 |
| Total risk-based capital ratio | 16.8824% | 3,353 |
| Memoranda: | ||
| Average total assets | $88,348,670 | 5,096 |
| Average earning assets | $84,209,000 | 5,003 |
| Average equity | $8,393,000 | 5,338 |
| Average total loans | $66,287,670 | 4,455 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 636 |
| Cost of funding earning assets | 0.7555% | 1,802 |
| Net interest margin | 4.4188% | 782 |
| Noninterest income to average assets | 0.5926% | 3,178 |
| Noninterest expense to average assets | 3.9991% | 886 |
| Loan and lease loss provision to assets | 0.0407% | 3,920 |
| Net operating income to assets | 0.4931% | 4,702 |
| Return on assets (ROA) | 0.4931% | 4,854 |
| Pretax return on assets | 0.7600% | 4,330 |
| Return on Equity (ROE) | 5.1674% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.1674% | 3,132 |
| Net charge-offs to loans | -0.0733% | 6,297 |
| Credit loss provision to net charge-offs | -75.0000% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3176% | 1,852 |
| Assets per employee ($millions) | 2.7245% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 4,972 |
| Loan loss allowance to noncurrent loans | 28.1476% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 3.6793% | 1,132 |
| Noncurrent loans to loans | 4.4253% | 957 |
| Net loans and leases to total assets | 71.9547% | 1,357 |
| Net loans and leases to deposits | 79.8127% | 2,100 |
| Net loans and leases to core deposits | 80.8218% | 2,714 |
| Total domestic deposits to total assets | 90.1544% | 957 |
| Equity capital to assets | 9.4052% | 4,993 |
| Core capital (leverage) ratio | 9.3174% | 4,370 |
| Tier 1 risk-based capital ratio | 15.8814% | 3,331 |
| Total risk-based capital ratio | 17.1452% | 3,291 |
| Memoranda: | ||
| Average total assets | $88,420,500 | 5,140 |
| Average earning assets | $84,186,500 | 5,038 |
| Average equity | $8,437,500 | 5,377 |
| Average total loans | $65,521,500 | 4,508 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5282% | 590 |
| Cost of funding earning assets | 1.1032% | 896 |
| Net interest margin | 4.4250% | 1,107 |
| Noninterest income to average assets | 0.6726% | 2,870 |
| Noninterest expense to average assets | 3.9971% | 980 |
| Loan and lease loss provision to assets | 0.0739% | 4,801 |
| Net operating income to assets | 0.4617% | 4,832 |
| Return on assets (ROA) | 0.4806% | 5,009 |
| Pretax return on assets | 0.7465% | 4,489 |
| Return on Equity (ROE) | 5.1561% | 4,609 |
| Retained earnings to average equity (ytd only) | 5.1561% | 2,601 |
| Net charge-offs to loans | 0.0870% | 4,805 |
| Credit loss provision to net charge-offs | 112.0690% | 2,602 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,974 |
| Efficiency ratio | 83.4836% | 1,689 |
| Assets per employee ($millions) | 2.6343% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 5,055 |
| Loan loss allowance to noncurrent loans | 27.8264% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 3.7569% | 1,182 |
| Noncurrent loans to loans | 4.3596% | 1,002 |
| Net loans and leases to total assets | 74.4700% | 1,129 |
| Net loans and leases to deposits | 82.9328% | 1,883 |
| Net loans and leases to core deposits | 84.6771% | 2,470 |
| Total domestic deposits to total assets | 89.7956% | 1,068 |
| Equity capital to assets | 9.6845% | 4,613 |
| Core capital (leverage) ratio | 9.5190% | 4,077 |
| Tier 1 risk-based capital ratio | 15.6244% | 3,364 |
| Total risk-based capital ratio | 16.8766% | 3,321 |
| Memoranda: | ||
| Average total assets | $88,014,200 | 5,140 |
| Average earning assets | $81,852,600 | 5,073 |
| Average equity | $8,203,800 | 5,441 |
| Average total loans | $66,639,800 | 4,473 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5279% | 646 |
| Cost of funding earning assets | 1.1742% | 783 |
| Net interest margin | 4.3538% | 1,337 |
| Noninterest income to average assets | 0.7702% | 2,379 |
| Noninterest expense to average assets | 3.9115% | 1,050 |
| Loan and lease loss provision to assets | 0.0227% | 5,512 |
| Net operating income to assets | 0.5724% | 4,509 |
| Return on assets (ROA) | 0.5724% | 4,785 |
| Pretax return on assets | 0.8623% | 4,251 |
| Return on Equity (ROE) | 6.2002% | 4,231 |
| Retained earnings to average equity (ytd only) | 6.2002% | 2,564 |
| Net charge-offs to loans | 0.1215% | 4,160 |
| Credit loss provision to net charge-offs | 24.5902% | 4,890 |
| Earnings coverage of net charge-offs (x) | 9.6067% | 2,300 |
| Efficiency ratio | 81.5491% | 1,856 |
| Assets per employee ($millions) | 2.7181% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,618 |
| Loan loss allowance to noncurrent loans | 27.0378% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 3.8619% | 1,271 |
| Noncurrent loans to loans | 4.1578% | 1,198 |
| Net loans and leases to total assets | 75.1319% | 1,099 |
| Net loans and leases to deposits | 84.2767% | 1,833 |
| Net loans and leases to core deposits | 86.6502% | 2,384 |
| Total domestic deposits to total assets | 89.1491% | 1,343 |
| Equity capital to assets | 9.6793% | 4,949 |
| Core capital (leverage) ratio | 9.1897% | 4,779 |
| Tier 1 risk-based capital ratio | 14.8086% | 3,976 |
| Total risk-based capital ratio | 16.0604% | 3,930 |
| Memoranda: | ||
| Average total assets | $88,284,500 | 5,184 |
| Average earning assets | $81,643,750 | 5,123 |
| Average equity | $8,150,000 | 5,506 |
| Average total loans | $66,916,250 | 4,508 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5416% | 657 |
| Cost of funding earning assets | 1.2342% | 703 |
| Net interest margin | 4.3074% | 1,461 |
| Noninterest income to average assets | 0.6583% | 2,905 |
| Noninterest expense to average assets | 3.8481% | 1,144 |
| Loan and lease loss provision to assets | 0.0338% | 5,247 |
| Net operating income to assets | 0.5050% | 4,801 |
| Return on assets (ROA) | 0.5050% | 5,058 |
| Pretax return on assets | 0.7574% | 4,616 |
| Return on Equity (ROE) | 5.5581% | 4,557 |
| Retained earnings to average equity (ytd only) | 5.5581% | 2,954 |
| Net charge-offs to loans | 0.0417% | 4,796 |
| Credit loss provision to net charge-offs | 107.1429% | 2,542 |
| Earnings coverage of net charge-offs (x) | 25.0714% | 1,207 |
| Efficiency ratio | 82.9446% | 1,755 |
| Assets per employee ($millions) | 2.8568% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,436 |
| Loan loss allowance to noncurrent loans | 34.1411% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 3.1617% | 1,723 |
| Noncurrent loans to loans | 3.4606% | 1,663 |
| Net loans and leases to total assets | 74.5159% | 1,170 |
| Net loans and leases to deposits | 83.2171% | 1,955 |
| Net loans and leases to core deposits | 85.5018% | 2,492 |
| Total domestic deposits to total assets | 89.5439% | 1,197 |
| Equity capital to assets | 9.2930% | 5,331 |
| Core capital (leverage) ratio | 8.8453% | 5,139 |
| Tier 1 risk-based capital ratio | 14.6355% | 4,013 |
| Total risk-based capital ratio | 15.8878% | 3,971 |
| Memoranda: | ||
| Average total assets | $88,719,670 | 5,204 |
| Average earning assets | $81,997,670 | 5,153 |
| Average equity | $8,060,330 | 5,552 |
| Average total loans | $67,191,000 | 4,516 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 583 |
| Cost of funding earning assets | 1.3118% | 606 |
| Net interest margin | 4.3286% | 1,382 |
| Noninterest income to average assets | 0.5631% | 3,473 |
| Noninterest expense to average assets | 4.2163% | 725 |
| Loan and lease loss provision to assets | 0.0676% | 4,566 |
| Net operating income to assets | 0.1622% | 6,088 |
| Return on assets (ROA) | 0.1622% | 6,221 |
| Pretax return on assets | 0.2478% | 6,088 |
| Return on Equity (ROE) | 1.8055% | 6,132 |
| Retained earnings to average equity (ytd only) | 1.8055% | 5,342 |
| Net charge-offs to loans | 0.0890% | 3,626 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,525 |
| Efficiency ratio | 93.0417% | 883 |
| Assets per employee ($millions) | 2.9087% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,580 |
| Loan loss allowance to noncurrent loans | 47.4985% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.3988% | 2,472 |
| Noncurrent loans to loans | 2.4871% | 2,619 |
| Net loans and leases to total assets | 73.1030% | 1,207 |
| Net loans and leases to deposits | 80.5841% | 2,131 |
| Net loans and leases to core deposits | 82.7220% | 2,724 |
| Total domestic deposits to total assets | 90.7164% | 680 |
| Equity capital to assets | 8.8633% | 5,680 |
| Core capital (leverage) ratio | 8.4612% | 5,655 |
| Tier 1 risk-based capital ratio | 13.8877% | 4,537 |
| Total risk-based capital ratio | 15.1401% | 4,521 |
| Memoranda: | ||
| Average total assets | $88,799,000 | 5,249 |
| Average earning assets | $81,412,000 | 5,206 |
| Average equity | $7,975,500 | 5,606 |
| Average total loans | $67,396,000 | 4,536 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9998% | 431 |
| Cost of funding earning assets | 1.6103% | 460 |
| Net interest margin | 4.3894% | 1,420 |
| Noninterest income to average assets | 1.0787% | 1,147 |
| Noninterest expense to average assets | 4.1465% | 862 |
| Loan and lease loss provision to assets | 0.1556% | 4,684 |
| Net operating income to assets | 0.4287% | 4,739 |
| Return on assets (ROA) | 0.4287% | 4,935 |
| Pretax return on assets | 0.6373% | 4,568 |
| Return on Equity (ROE) | 4.8273% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.8273% | 2,763 |
| Net charge-offs to loans | 0.1199% | 5,185 |
| Credit loss provision to net charge-offs | 162.6506% | 1,689 |
| Earnings coverage of net charge-offs (x) | 8.2892% | 2,174 |
| Efficiency ratio | 83.6678% | 1,806 |
| Assets per employee ($millions) | 2.9143% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,589 |
| Loan loss allowance to noncurrent loans | 69.2443% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.8873% | 3,129 |
| Noncurrent loans to loans | 1.6714% | 3,656 |
| Net loans and leases to total assets | 76.9765% | 827 |
| Net loans and leases to deposits | 84.9907% | 1,808 |
| Net loans and leases to core deposits | 86.6262% | 2,556 |
| Total domestic deposits to total assets | 90.5705% | 681 |
| Equity capital to assets | 9.1035% | 5,403 |
| Core capital (leverage) ratio | 8.6993% | 5,252 |
| Tier 1 risk-based capital ratio | 13.8451% | 4,447 |
| Total risk-based capital ratio | 15.0975% | 4,400 |
| Memoranda: | ||
| Average total assets | $86,771,800 | 5,268 |
| Average earning assets | $76,319,400 | 5,333 |
| Average equity | $7,706,200 | 5,662 |
| Average total loans | $69,237,000 | 4,523 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0461% | 421 |
| Cost of funding earning assets | 1.6695% | 440 |
| Net interest margin | 4.3766% | 1,470 |
| Noninterest income to average assets | 1.1223% | 1,048 |
| Noninterest expense to average assets | 3.9487% | 1,076 |
| Loan and lease loss provision to assets | 0.0693% | 5,592 |
| Net operating income to assets | 0.6158% | 4,020 |
| Return on assets (ROA) | 0.6158% | 4,196 |
| Pretax return on assets | 0.9422% | 3,608 |
| Return on Equity (ROE) | 6.9779% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.9779% | 1,979 |
| Net charge-offs to loans | 0.0633% | 5,335 |
| Credit loss provision to net charge-offs | 136.3636% | 2,336 |
| Earnings coverage of net charge-offs (x) | 19.9086% | 1,246 |
| Efficiency ratio | 79.3296% | 2,357 |
| Assets per employee ($millions) | 2.8783% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 5,943 |
| Loan loss allowance to noncurrent loans | 64.4828% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.9618% | 3,190 |
| Noncurrent loans to loans | 1.6835% | 3,780 |
| Net loans and leases to total assets | 78.9332% | 614 |
| Net loans and leases to deposits | 87.5178% | 1,493 |
| Net loans and leases to core deposits | 88.7821% | 2,396 |
| Total domestic deposits to total assets | 90.1910% | 768 |
| Equity capital to assets | 9.1605% | 5,571 |
| Core capital (leverage) ratio | 8.8353% | 5,204 |
| Tier 1 risk-based capital ratio | 13.8505% | 4,456 |
| Total risk-based capital ratio | 15.1022% | 4,415 |
| Memoranda: | ||
| Average total assets | $86,607,750 | 5,308 |
| Average earning assets | $75,948,000 | 5,383 |
| Average equity | $7,643,000 | 5,707 |
| Average total loans | $69,524,500 | 4,547 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0234% | 462 |
| Cost of funding earning assets | 1.7145% | 443 |
| Net interest margin | 4.3088% | 1,622 |
| Noninterest income to average assets | 1.0727% | 1,141 |
| Noninterest expense to average assets | 3.9957% | 1,060 |
| Loan and lease loss provision to assets | 0.0692% | 5,441 |
| Net operating income to assets | 0.5075% | 4,468 |
| Return on assets (ROA) | 0.5075% | 4,611 |
| Pretax return on assets | 0.7705% | 4,142 |
| Return on Equity (ROE) | 5.8247% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.8247% | 2,529 |
| Net charge-offs to loans | -0.0115% | 6,712 |
| Credit loss provision to net charge-offs | -750.0000% | 6,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3473% | 2,058 |
| Assets per employee ($millions) | 2.8826% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 5,914 |
| Loan loss allowance to noncurrent loans | 36.3036% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.2921% | 2,026 |
| Noncurrent loans to loans | 3.0581% | 2,368 |
| Net loans and leases to total assets | 79.3094% | 611 |
| Net loans and leases to deposits | 87.5536% | 1,557 |
| Net loans and leases to core deposits | 88.8109% | 2,525 |
| Total domestic deposits to total assets | 90.5838% | 684 |
| Equity capital to assets | 8.8761% | 5,735 |
| Core capital (leverage) ratio | 8.6045% | 5,396 |
| Tier 1 risk-based capital ratio | 13.2178% | 4,754 |
| Total risk-based capital ratio | 14.4685% | 4,730 |
| Memoranda: | ||
| Average total assets | $86,694,000 | 5,352 |
| Average earning assets | $75,705,330 | 5,444 |
| Average equity | $7,554,000 | 5,748 |
| Average total loans | $69,730,670 | 4,584 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2546% | 306 |
| Cost of funding earning assets | 1.7665% | 428 |
| Net interest margin | 4.4882% | 1,098 |
| Noninterest income to average assets | 1.0368% | 1,226 |
| Noninterest expense to average assets | 4.0829% | 943 |
| Loan and lease loss provision to assets | 0.0691% | 5,129 |
| Net operating income to assets | 0.4793% | 4,579 |
| Return on assets (ROA) | 0.4793% | 4,660 |
| Pretax return on assets | 0.7604% | 4,057 |
| Return on Equity (ROE) | 5.5518% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.5518% | 2,884 |
| Net charge-offs to loans | -0.0629% | 6,964 |
| Credit loss provision to net charge-offs | -136.3636% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8330% | 2,107 |
| Assets per employee ($millions) | 2.7423% | 6,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 6,067 |
| Loan loss allowance to noncurrent loans | 35.9095% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 3.2454% | 2,115 |
| Noncurrent loans to loans | 3.0480% | 2,464 |
| Net loans and leases to total assets | 78.4671% | 682 |
| Net loans and leases to deposits | 86.2655% | 1,688 |
| Net loans and leases to core deposits | 87.4809% | 2,670 |
| Total domestic deposits to total assets | 90.9600% | 646 |
| Equity capital to assets | 8.5979% | 5,775 |
| Core capital (leverage) ratio | 8.3420% | 5,723 |
| Tier 1 risk-based capital ratio | 12.9898% | 4,834 |
| Total risk-based capital ratio | 14.2407% | 4,819 |
| Memoranda: | ||
| Average total assets | $86,801,500 | 5,382 |
| Average earning assets | $74,952,500 | 5,511 |
| Average equity | $7,493,000 | 5,778 |
| Average total loans | $69,918,000 | 4,623 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3085% | 454 |
| Cost of funding earning assets | 2.0945% | 440 |
| Net interest margin | 4.2140% | 2,131 |
| Noninterest income to average assets | 1.3252% | 839 |
| Noninterest expense to average assets | 3.8557% | 1,381 |
| Loan and lease loss provision to assets | 0.6569% | 2,508 |
| Net operating income to assets | 0.3199% | 4,865 |
| Return on assets (ROA) | 0.3199% | 5,029 |
| Pretax return on assets | 0.4787% | 4,694 |
| Return on Equity (ROE) | 3.7761% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.7761% | 3,220 |
| Net charge-offs to loans | 0.3885% | 4,096 |
| Credit loss provision to net charge-offs | 209.0909% | 1,468 |
| Earnings coverage of net charge-offs (x) | 3.6145% | 3,277 |
| Efficiency ratio | 76.9741% | 2,879 |
| Assets per employee ($millions) | 2.8616% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 6,151 |
| Loan loss allowance to noncurrent loans | 67.4908% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.2446% | 3,035 |
| Noncurrent loans to loans | 1.5552% | 4,165 |
| Net loans and leases to total assets | 80.9316% | 546 |
| Net loans and leases to deposits | 88.9867% | 1,650 |
| Net loans and leases to core deposits | 90.6208% | 2,677 |
| Total domestic deposits to total assets | 90.9481% | 622 |
| Equity capital to assets | 8.6675% | 5,628 |
| Core capital (leverage) ratio | 8.4094% | 5,515 |
| Tier 1 risk-based capital ratio | 12.7443% | 4,826 |
| Total risk-based capital ratio | 13.9941% | 4,792 |
| Memoranda: | ||
| Average total assets | $87,532,800 | 5,358 |
| Average earning assets | $76,151,600 | 5,474 |
| Average equity | $7,415,000 | 5,905 |
| Average total loans | $70,782,800 | 4,657 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2464% | 561 |
| Cost of funding earning assets | 2.1496% | 451 |
| Net interest margin | 4.0967% | 2,638 |
| Noninterest income to average assets | 1.4159% | 675 |
| Noninterest expense to average assets | 3.5927% | 1,814 |
| Loan and lease loss provision to assets | 0.3487% | 3,821 |
| Net operating income to assets | 0.7428% | 3,232 |
| Return on assets (ROA) | 0.7428% | 3,398 |
| Pretax return on assets | 1.0308% | 3,070 |
| Return on Equity (ROE) | 8.8185% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.8185% | 1,114 |
| Net charge-offs to loans | 0.2256% | 4,580 |
| Credit loss provision to net charge-offs | 191.6667% | 1,870 |
| Earnings coverage of net charge-offs (x) | 7.5831% | 2,304 |
| Efficiency ratio | 71.9817% | 3,701 |
| Assets per employee ($millions) | 2.8773% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 7,068 |
| Loan loss allowance to noncurrent loans | 16.7125% | 7,019 |
| Noncurrent assets plus other real estate owned to assets | 3.9412% | 1,781 |
| Noncurrent loans to loans | 4.5827% | 1,563 |
| Net loans and leases to total assets | 82.1071% | 482 |
| Net loans and leases to deposits | 90.9901% | 1,583 |
| Net loans and leases to core deposits | 93.0899% | 2,650 |
| Total domestic deposits to total assets | 90.2374% | 759 |
| Equity capital to assets | 8.9204% | 5,683 |
| Core capital (leverage) ratio | 8.6091% | 5,332 |
| Tier 1 risk-based capital ratio | 12.8588% | 4,685 |
| Total risk-based capital ratio | 13.8085% | 4,908 |
| Memoranda: | ||
| Average total assets | $87,953,750 | 5,415 |
| Average earning assets | $76,351,500 | 5,537 |
| Average equity | $7,408,500 | 5,981 |
| Average total loans | $70,924,500 | 4,718 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2194% | 599 |
| Cost of funding earning assets | 2.2149% | 441 |
| Net interest margin | 4.0046% | 2,992 |
| Noninterest income to average assets | 1.1593% | 959 |
| Noninterest expense to average assets | 3.5300% | 1,961 |
| Loan and lease loss provision to assets | 0.2825% | 4,140 |
| Net operating income to assets | 0.5153% | 4,259 |
| Return on assets (ROA) | 0.5153% | 4,417 |
| Pretax return on assets | 0.7955% | 3,899 |
| Return on Equity (ROE) | 6.2369% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.2369% | 2,204 |
| Net charge-offs to loans | 0.2968% | 3,840 |
| Credit loss provision to net charge-offs | 119.0476% | 3,416 |
| Earnings coverage of net charge-offs (x) | 4.5429% | 2,923 |
| Efficiency ratio | 76.3119% | 3,016 |
| Assets per employee ($millions) | 3.1378% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6375% | 7,363 |
| Loan loss allowance to noncurrent loans | 16.2335% | 7,104 |
| Noncurrent assets plus other real estate owned to assets | 3.3440% | 2,101 |
| Noncurrent loans to loans | 3.9273% | 1,942 |
| Net loans and leases to total assets | 80.8898% | 681 |
| Net loans and leases to deposits | 89.0321% | 1,998 |
| Net loans and leases to core deposits | 91.6724% | 3,035 |
| Total domestic deposits to total assets | 90.8547% | 548 |
| Equity capital to assets | 8.4647% | 6,210 |
| Core capital (leverage) ratio | 8.1553% | 6,030 |
| Tier 1 risk-based capital ratio | 12.2712% | 5,061 |
| Total risk-based capital ratio | 13.0548% | 5,453 |
| Memoranda: | ||
| Average total assets | $88,498,670 | 5,436 |
| Average earning assets | $76,212,670 | 5,569 |
| Average equity | $7,311,330 | 6,029 |
| Average total loans | $70,759,000 | 4,766 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2634% | 567 |
| Cost of funding earning assets | 2.3322% | 386 |
| Net interest margin | 3.9312% | 3,192 |
| Noninterest income to average assets | 1.1664% | 903 |
| Noninterest expense to average assets | 3.5263% | 1,920 |
| Loan and lease loss provision to assets | 0.1576% | 4,956 |
| Net operating income to assets | 0.4774% | 4,503 |
| Return on assets (ROA) | 0.4774% | 4,632 |
| Pretax return on assets | 0.8151% | 3,804 |
| Return on Equity (ROE) | 5.8495% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.8495% | 2,692 |
| Net charge-offs to loans | 0.2330% | 3,534 |
| Credit loss provision to net charge-offs | 85.3659% | 3,767 |
| Earnings coverage of net charge-offs (x) | 5.2683% | 2,431 |
| Efficiency ratio | 78.0781% | 2,880 |
| Assets per employee ($millions) | 3.1128% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 7,488 |
| Loan loss allowance to noncurrent loans | 16.1837% | 7,172 |
| Noncurrent assets plus other real estate owned to assets | 3.0863% | 2,317 |
| Noncurrent loans to loans | 3.7577% | 2,112 |
| Net loans and leases to total assets | 77.8522% | 1,180 |
| Net loans and leases to deposits | 85.2412% | 2,719 |
| Net loans and leases to core deposits | 85.2412% | 4,000 |
| Total domestic deposits to total assets | 91.3317% | 427 |
| Equity capital to assets | 8.0912% | 6,554 |
| Core capital (leverage) ratio | 7.7970% | 6,509 |
| Tier 1 risk-based capital ratio | 11.9145% | 5,285 |
| Total risk-based capital ratio | 12.6448% | 5,744 |
| Memoranda: | ||
| Average total assets | $88,818,500 | 5,489 |
| Average earning assets | $75,295,000 | 5,659 |
| Average equity | $7,248,500 | 6,099 |
| Average total loans | $70,376,000 | 4,843 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5426% | 610 |
| Cost of funding earning assets | 2.6293% | 712 |
| Net interest margin | 3.9133% | 3,216 |
| Noninterest income to average assets | 1.3524% | 814 |
| Noninterest expense to average assets | 3.8680% | 1,556 |
| Loan and lease loss provision to assets | 0.2974% | 5,054 |
| Net operating income to assets | 0.3533% | 4,310 |
| Return on assets (ROA) | 0.3533% | 4,406 |
| Pretax return on assets | 0.5983% | 3,903 |
| Return on Equity (ROE) | 4.1678% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.1678% | 2,299 |
| Net charge-offs to loans | 0.3958% | 4,236 |
| Credit loss provision to net charge-offs | 90.2527% | 5,990 |
| Earnings coverage of net charge-offs (x) | 2.7184% | 3,741 |
| Efficiency ratio | 80.8989% | 2,763 |
| Assets per employee ($millions) | 3.0126% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6210% | 7,528 |
| Loan loss allowance to noncurrent loans | 22.6445% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 2.3751% | 2,926 |
| Noncurrent loans to loans | 2.7426% | 2,818 |
| Net loans and leases to total assets | 79.6752% | 1,049 |
| Net loans and leases to deposits | 87.3366% | 2,674 |
| Net loans and leases to core deposits | 127.1235% | 1,445 |
| Total domestic deposits to total assets | 91.2277% | 460 |
| Equity capital to assets | 8.2332% | 6,301 |
| Core capital (leverage) ratio | 7.9318% | 6,285 |
| Tier 1 risk-based capital ratio | 11.7982% | 5,114 |
| Total risk-based capital ratio | 12.5412% | 5,576 |
| Memoranda: | ||
| Average total assets | $84,075,400 | 5,591 |
| Average earning assets | $73,289,200 | 5,709 |
| Average equity | $7,126,000 | 6,227 |
| Average total loans | $69,988,800 | 4,865 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5449% | 683 |
| Cost of funding earning assets | 2.6598% | 885 |
| Net interest margin | 3.8851% | 3,283 |
| Noninterest income to average assets | 1.3997% | 774 |
| Noninterest expense to average assets | 3.6658% | 1,899 |
| Loan and lease loss provision to assets | 0.1762% | 5,597 |
| Net operating income to assets | 0.6502% | 3,402 |
| Return on assets (ROA) | 0.6502% | 3,467 |
| Pretax return on assets | 0.9801% | 2,964 |
| Return on Equity (ROE) | 7.6143% | 2,811 |
| Retained earnings to average equity (ytd only) | 7.6143% | 1,259 |
| Net charge-offs to loans | 0.4249% | 3,557 |
| Credit loss provision to net charge-offs | 49.3274% | 6,317 |
| Earnings coverage of net charge-offs (x) | 3.2376% | 3,622 |
| Efficiency ratio | 75.7224% | 3,560 |
| Assets per employee ($millions) | 2.9610% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4894% | 7,729 |
| Loan loss allowance to noncurrent loans | 35.0402% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 1.3055% | 4,469 |
| Noncurrent loans to loans | 1.3966% | 4,579 |
| Net loans and leases to total assets | 82.6489% | 721 |
| Net loans and leases to deposits | 90.9742% | 2,396 |
| Net loans and leases to core deposits | 131.5971% | 1,342 |
| Total domestic deposits to total assets | 90.8487% | 468 |
| Equity capital to assets | 8.5562% | 6,174 |
| Core capital (leverage) ratio | 8.2409% | 5,942 |
| Tier 1 risk-based capital ratio | 12.1914% | 4,802 |
| Total risk-based capital ratio | 12.7948% | 5,335 |
| Memoranda: | ||
| Average total assets | $83,252,750 | 5,645 |
| Average earning assets | $73,337,750 | 5,741 |
| Average equity | $7,109,250 | 6,287 |
| Average total loans | $69,975,000 | 4,915 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4784% | 862 |
| Cost of funding earning assets | 2.6966% | 1,037 |
| Net interest margin | 3.7818% | 3,631 |
| Noninterest income to average assets | 1.3814% | 800 |
| Noninterest expense to average assets | 3.6465% | 1,955 |
| Loan and lease loss provision to assets | 0.1214% | 5,904 |
| Net operating income to assets | 0.6361% | 3,529 |
| Return on assets (ROA) | 0.6361% | 3,639 |
| Pretax return on assets | 0.9638% | 3,134 |
| Return on Equity (ROE) | 7.4538% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.4538% | 1,410 |
| Net charge-offs to loans | 0.5839% | 2,579 |
| Credit loss provision to net charge-offs | 24.6305% | 6,082 |
| Earnings coverage of net charge-offs (x) | 2.2020% | 3,967 |
| Efficiency ratio | 76.7573% | 3,553 |
| Assets per employee ($millions) | 2.8469% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4406% | 7,858 |
| Loan loss allowance to noncurrent loans | 17.3326% | 7,263 |
| Noncurrent assets plus other real estate owned to assets | 2.3486% | 2,767 |
| Noncurrent loans to loans | 2.5422% | 2,846 |
| Net loans and leases to total assets | 84.2937% | 591 |
| Net loans and leases to deposits | 92.8661% | 2,300 |
| Net loans and leases to core deposits | 130.7187% | 1,504 |
| Total domestic deposits to total assets | 90.7690% | 531 |
| Equity capital to assets | 8.6496% | 5,821 |
| Core capital (leverage) ratio | 8.3287% | 5,744 |
| Tier 1 risk-based capital ratio | 12.1565% | 4,797 |
| Total risk-based capital ratio | 12.7029% | 5,356 |
| Memoranda: | ||
| Average total assets | $82,381,000 | 5,716 |
| Average earning assets | $72,980,670 | 5,789 |
| Average equity | $7,030,000 | 6,359 |
| Average total loans | $69,527,330 | 4,978 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6652% | 622 |
| Cost of funding earning assets | 2.7772% | 1,038 |
| Net interest margin | 3.8880% | 3,081 |
| Noninterest income to average assets | 1.3950% | 723 |
| Noninterest expense to average assets | 3.6747% | 1,700 |
| Loan and lease loss provision to assets | 0.0729% | 6,046 |
| Net operating income to assets | 0.9041% | 2,689 |
| Return on assets (ROA) | 0.9041% | 2,838 |
| Pretax return on assets | 1.0839% | 3,048 |
| Return on Equity (ROE) | 10.6674% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.6674% | 1,046 |
| Net charge-offs to loans | 0.0346% | 5,029 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 39.6667% | 856 |
| Efficiency ratio | 75.7545% | 3,527 |
| Assets per employee ($millions) | 2.7733% | 6,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 7,517 |
| Loan loss allowance to noncurrent loans | 85.3261% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 5,075 |
| Noncurrent loans to loans | 0.7899% | 5,467 |
| Net loans and leases to total assets | 83.4243% | 782 |
| Net loans and leases to deposits | 91.7744% | 2,638 |
| Net loans and leases to core deposits | 127.7639% | 1,800 |
| Total domestic deposits to total assets | 90.9014% | 447 |
| Equity capital to assets | 8.4796% | 6,109 |
| Core capital (leverage) ratio | 8.1572% | 6,180 |
| Tier 1 risk-based capital ratio | 11.9025% | 5,041 |
| Total risk-based capital ratio | 12.7314% | 5,331 |
| Memoranda: | ||
| Average total assets | $82,292,000 | 5,728 |
| Average earning assets | $72,736,000 | 5,819 |
| Average equity | $6,974,500 | 6,421 |
| Average total loans | $69,341,000 | 5,008 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8397% | 1,555 |
| Cost of funding earning assets | 3.1952% | 1,208 |
| Net interest margin | 3.6445% | 4,702 |
| Noninterest income to average assets | 1.0017% | 1,573 |
| Noninterest expense to average assets | 3.8049% | 1,743 |
| Loan and lease loss provision to assets | 0.0519% | 6,768 |
| Net operating income to assets | 0.1475% | 5,987 |
| Return on assets (ROA) | 0.1475% | 5,812 |
| Pretax return on assets | 0.4943% | 4,990 |
| Return on Equity (ROE) | 1.8064% | 5,668 |
| Retained earnings to average equity (ytd only) | 1.8064% | 4,111 |
| Net charge-offs to loans | 0.0924% | 5,409 |
| Credit loss provision to net charge-offs | 69.8413% | 6,076 |
| Earnings coverage of net charge-offs (x) | 7.3492% | 3,135 |
| Efficiency ratio | 87.1204% | 1,754 |
| Assets per employee ($millions) | 2.8063% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 7,500 |
| Loan loss allowance to noncurrent loans | 98.7179% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 4,933 |
| Noncurrent loans to loans | 0.6802% | 5,338 |
| Net loans and leases to total assets | 83.9723% | 892 |
| Net loans and leases to deposits | 92.3813% | 3,072 |
| Net loans and leases to core deposits | 127.8004% | 2,020 |
| Total domestic deposits to total assets | 90.8975% | 356 |
| Equity capital to assets | 8.4710% | 6,136 |
| Core capital (leverage) ratio | 8.1380% | 6,269 |
| Tier 1 risk-based capital ratio | 11.6471% | 5,103 |
| Total risk-based capital ratio | 12.4625% | 5,409 |
| Memoranda: | ||
| Average total assets | $84,758,400 | 5,526 |
| Average earning assets | $77,898,400 | 5,508 |
| Average equity | $6,919,800 | 6,486 |
| Average total loans | $68,190,400 | 4,937 |