Home > Federated Bank > Performance and Condition Ratios
Federated Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0763% | 2,976 |
| Cost of funding earning assets | 0.8732% | 4,089 |
| Net interest margin | 4.2031% | 967 |
| Noninterest income to average assets | 0.5800% | 1,411 |
| Noninterest expense to average assets | 3.6489% | 503 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 0.7379% | 3,014 |
| Return on assets (ROA) | 0.7480% | 2,985 |
| Pretax return on assets | 0.7480% | 3,303 |
| Return on Equity (ROE) | 7.7400% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.8611% | 2,321 |
| Net charge-offs to loans | 0.0210% | 1,573 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 786 |
| Efficiency ratio | 81.3063% | 864 |
| Assets per employee ($millions) | 4.2041% | 4,024 |
| Cash dividends to net income (ytd only)* | 24.3243% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 2,623 |
| Loan loss allowance to noncurrent loans | 968.7500% | 711 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 656 |
| Noncurrent loans to loans | 0.1153% | 3,089 |
| Net loans and leases to total assets | 46.6200% | 3,736 |
| Net loans and leases to deposits | 52.0179% | 3,798 |
| Net loans and leases to core deposits | 54.7691% | 3,859 |
| Total domestic deposits to total assets | 89.6300% | 933 |
| Equity capital to assets | 9.9503% | 2,245 |
| Core capital (leverage) ratio | 8.9184% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6974% | 930 |
| Memoranda: | ||
| Average total assets | $118,721,500 | 3,622 |
| Average earning assets | $110,394,500 | 3,612 |
| Average equity | $11,465,500 | 3,661 |
| Average total loans | $57,179,500 | 3,726 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 3,477 |
| Cost of funding earning assets | 0.9658% | 4,054 |
| Net interest margin | 3.8054% | 1,496 |
| Noninterest income to average assets | 0.6500% | 1,347 |
| Noninterest expense to average assets | 3.3226% | 738 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.8613% | 2,516 |
| Return on assets (ROA) | 0.8317% | 2,606 |
| Pretax return on assets | 0.8317% | 2,976 |
| Return on Equity (ROE) | 8.6000% | 2,580 |
| Retained earnings to average equity (ytd only) | 1.4064% | 3,565 |
| Net charge-offs to loans | 0.2704% | 557 |
| Credit loss provision to net charge-offs | 44.2177% | 2,366 |
| Earnings coverage of net charge-offs (x) | 7.1020% | 2,455 |
| Efficiency ratio | 79.0151% | 1,119 |
| Assets per employee ($millions) | 4.6049% | 3,877 |
| Cash dividends to net income (ytd only)* | 83.6382% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,184 |
| Loan loss allowance to noncurrent loans | 390.1316% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 626 |
| Noncurrent loans to loans | 0.2583% | 2,499 |
| Net loans and leases to total assets | 48.6600% | 3,696 |
| Net loans and leases to deposits | 53.8699% | 3,804 |
| Net loans and leases to core deposits | 56.8458% | 3,860 |
| Total domestic deposits to total assets | 90.3300% | 722 |
| Equity capital to assets | 9.3696% | 2,547 |
| Core capital (leverage) ratio | 9.1773% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3859% | 1,180 |
| Memoranda: | ||
| Average total assets | $118,312,400 | 3,632 |
| Average earning assets | $110,579,000 | 3,606 |
| Average equity | $11,447,600 | 3,641 |
| Average total loans | $54,359,800 | 3,763 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 3,218 |
| Cost of funding earning assets | 0.9785% | 4,067 |
| Net interest margin | 3.9092% | 1,286 |
| Noninterest income to average assets | 0.6900% | 1,169 |
| Noninterest expense to average assets | 3.4022% | 639 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.9088% | 2,352 |
| Return on assets (ROA) | 0.8703% | 2,482 |
| Pretax return on assets | 0.8703% | 2,878 |
| Return on Equity (ROE) | 8.9200% | 2,495 |
| Retained earnings to average equity (ytd only) | 0.9966% | 3,732 |
| Net charge-offs to loans | 0.3732% | 355 |
| Credit loss provision to net charge-offs | 36.9128% | 2,124 |
| Earnings coverage of net charge-offs (x) | 5.5973% | 2,359 |
| Efficiency ratio | 78.3039% | 1,202 |
| Assets per employee ($millions) | 4.5641% | 3,900 |
| Cash dividends to net income (ytd only)* | 88.8312% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 2,941 |
| Loan loss allowance to noncurrent loans | 488.2353% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 647 |
| Noncurrent loans to loans | 0.2174% | 2,665 |
| Net loans and leases to total assets | 45.6400% | 3,842 |
| Net loans and leases to deposits | 55.3005% | 3,770 |
| Net loans and leases to core deposits | 58.0469% | 3,844 |
| Total domestic deposits to total assets | 82.5400% | 2,969 |
| Equity capital to assets | 10.4664% | 1,997 |
| Core capital (leverage) ratio | 8.8579% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0594% | 1,084 |
| Memoranda: | ||
| Average total assets | $117,958,500 | 3,637 |
| Average earning assets | $110,370,750 | 3,615 |
| Average equity | $11,505,000 | 3,641 |
| Average total loans | $53,235,750 | 3,784 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 3,299 |
| Cost of funding earning assets | 0.9093% | 4,104 |
| Net interest margin | 3.8782% | 1,301 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 3.3859% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7866% | 2,669 |
| Return on assets (ROA) | 0.7152% | 2,915 |
| Pretax return on assets | 0.7152% | 3,201 |
| Return on Equity (ROE) | 7.5200% | 2,873 |
| Retained earnings to average equity (ytd only) | 0.3929% | 3,744 |
| Net charge-offs to loans | 0.5689% | 223 |
| Credit loss provision to net charge-offs | 16.6667% | 1,954 |
| Earnings coverage of net charge-offs (x) | 3.0867% | 2,355 |
| Efficiency ratio | 81.1482% | 1,037 |
| Assets per employee ($millions) | 4.3181% | 4,003 |
| Cash dividends to net income (ytd only)* | 94.7743% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,054 |
| Loan loss allowance to noncurrent loans | 276.3819% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 517 |
| Noncurrent loans to loans | 0.3780% | 2,055 |
| Net loans and leases to total assets | 44.6800% | 3,878 |
| Net loans and leases to deposits | 52.8958% | 3,857 |
| Net loans and leases to core deposits | 55.3471% | 3,927 |
| Total domestic deposits to total assets | 84.4800% | 2,469 |
| Equity capital to assets | 9.5096% | 2,383 |
| Core capital (leverage) ratio | 8.8415% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2498% | 1,039 |
| Memoranda: | ||
| Average total assets | $117,722,667 | 3,656 |
| Average earning assets | $110,412,000 | 3,632 |
| Average equity | $11,200,000 | 3,660 |
| Average total loans | $52,733,000 | 3,799 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 3,373 |
| Cost of funding earning assets | 0.8253% | 4,152 |
| Net interest margin | 3.8539% | 1,283 |
| Noninterest income to average assets | 0.5500% | 1,555 |
| Noninterest expense to average assets | 3.5371% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6459% | 3,024 |
| Return on assets (ROA) | 0.5512% | 3,299 |
| Pretax return on assets | 0.5512% | 3,480 |
| Return on Equity (ROE) | 5.7900% | 3,278 |
| Retained earnings to average equity (ytd only) | -5.4013% | 4,153 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 84.5594% | 869 |
| Assets per employee ($millions) | 4.3154% | 4,040 |
| Cash dividends to net income (ytd only)* | 193.2515% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 1,665 |
| Loan loss allowance to noncurrent loans | 46.8541% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.2822% | 397 |
| Noncurrent loans to loans | 2.8280% | 185 |
| Net loans and leases to total assets | 44.7400% | 3,865 |
| Net loans and leases to deposits | 51.9260% | 3,855 |
| Net loans and leases to core deposits | 54.2756% | 3,961 |
| Total domestic deposits to total assets | 86.1600% | 2,037 |
| Equity capital to assets | 9.4177% | 2,383 |
| Core capital (leverage) ratio | 8.8403% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1865% | 1,059 |
| Memoranda: | ||
| Average total assets | $118,290,000 | 3,667 |
| Average earning assets | $111,472,500 | 3,636 |
| Average equity | $11,256,500 | 3,659 |
| Average total loans | $52,776,500 | 3,808 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 3,164 |
| Cost of funding earning assets | 0.5415% | 4,155 |
| Net interest margin | 3.9200% | 1,338 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.1490% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0987% | 1,924 |
| Return on assets (ROA) | 1.0995% | 1,893 |
| Pretax return on assets | 1.0995% | 2,409 |
| Return on Equity (ROE) | 12.4500% | 1,852 |
| Retained earnings to average equity (ytd only) | 5.0014% | 2,607 |
| Net charge-offs to loans | 0.0155% | 2,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 164.5000% | 675 |
| Efficiency ratio | 74.1352% | 1,446 |
| Assets per employee ($millions) | 4.6179% | 3,882 |
| Cash dividends to net income (ytd only)* | 59.8330% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 1,876 |
| Loan loss allowance to noncurrent loans | 48.8069% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 390 |
| Noncurrent loans to loans | 2.6231% | 178 |
| Net loans and leases to total assets | 43.3500% | 3,926 |
| Net loans and leases to deposits | 49.7696% | 3,957 |
| Net loans and leases to core deposits | 51.9187% | 4,034 |
| Total domestic deposits to total assets | 87.1000% | 1,646 |
| Equity capital to assets | 9.6115% | 2,263 |
| Core capital (leverage) ratio | 9.0730% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2912% | 1,031 |
| Memoranda: | ||
| Average total assets | $119,782,400 | 3,656 |
| Average earning assets | $112,832,000 | 3,619 |
| Average equity | $10,577,000 | 3,654 |
| Average total loans | $51,606,800 | 3,824 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 3,021 |
| Cost of funding earning assets | 0.4765% | 4,168 |
| Net interest margin | 3.9649% | 1,273 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 3.1664% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1383% | 1,944 |
| Return on assets (ROA) | 1.1238% | 1,958 |
| Pretax return on assets | 1.1238% | 2,494 |
| Return on Equity (ROE) | 13.0200% | 1,893 |
| Retained earnings to average equity (ytd only) | 4.9404% | 2,954 |
| Net charge-offs to loans | 0.0208% | 1,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 127.7500% | 812 |
| Efficiency ratio | 73.5576% | 1,397 |
| Assets per employee ($millions) | 4.4695% | 3,957 |
| Cash dividends to net income (ytd only)* | 62.0416% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,384 |
| Loan loss allowance to noncurrent loans | 52.1739% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 381 |
| Noncurrent loans to loans | 2.7156% | 169 |
| Net loans and leases to total assets | 43.1100% | 3,951 |
| Net loans and leases to deposits | 47.5872% | 4,021 |
| Net loans and leases to core deposits | 49.6211% | 4,052 |
| Total domestic deposits to total assets | 90.5900% | 777 |
| Equity capital to assets | 8.1441% | 2,960 |
| Core capital (leverage) ratio | 8.8981% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7758% | 979 |
| Memoranda: | ||
| Average total assets | $119,711,750 | 3,665 |
| Average earning assets | $112,752,750 | 3,633 |
| Average equity | $10,336,250 | 3,682 |
| Average total loans | $51,327,500 | 3,840 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 2,875 |
| Cost of funding earning assets | 0.4003% | 4,166 |
| Net interest margin | 4.0070% | 1,226 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 3.1883% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1466% | 1,976 |
| Return on assets (ROA) | 1.1731% | 1,899 |
| Pretax return on assets | 1.1731% | 2,438 |
| Return on Equity (ROE) | 13.3400% | 1,832 |
| Retained earnings to average equity (ytd only) | 7.6786% | 2,074 |
| Net charge-offs to loans | 0.0078% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 346.5000% | 404 |
| Efficiency ratio | 73.5496% | 1,397 |
| Assets per employee ($millions) | 4.3624% | 4,027 |
| Cash dividends to net income (ytd only)* | 42.4542% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 42.0500% | 3,961 |
| Net loans and leases to deposits | 47.5849% | 4,000 |
| Net loans and leases to core deposits | 49.6357% | 4,028 |
| Total domestic deposits to total assets | 88.3800% | 1,466 |
| Equity capital to assets | 8.8712% | 2,607 |
| Core capital (leverage) ratio | 8.5969% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2093% | 926 |
| Memoranda: | ||
| Average total assets | $120,880,000 | 3,668 |
| Average earning assets | $113,901,333 | 3,639 |
| Average equity | $10,627,000 | 3,664 |
| Average total loans | $51,497,667 | 3,840 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,758 |
| Cost of funding earning assets | 0.3187% | 4,142 |
| Net interest margin | 3.9982% | 1,266 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 3.1986% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1239% | 2,149 |
| Return on assets (ROA) | 1.1501% | 2,038 |
| Pretax return on assets | 1.1501% | 2,571 |
| Return on Equity (ROE) | 13.1400% | 1,958 |
| Retained earnings to average equity (ytd only) | 6.5696% | 2,623 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9985% | 1,340 |
| Assets per employee ($millions) | 4.3055% | 4,124 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,520 |
| Loan loss allowance to noncurrent loans | 1,967.5676% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 3,480 |
| Noncurrent loans to loans | 0.0724% | 3,212 |
| Net loans and leases to total assets | 40.3600% | 4,027 |
| Net loans and leases to deposits | 44.2344% | 4,089 |
| Net loans and leases to core deposits | 45.9659% | 4,113 |
| Total domestic deposits to total assets | 91.2400% | 722 |
| Equity capital to assets | 8.6009% | 2,814 |
| Core capital (leverage) ratio | 8.1936% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9844% | 1,153 |
| Memoranda: | ||
| Average total assets | $122,427,500 | 3,698 |
| Average earning assets | $115,452,500 | 3,664 |
| Average equity | $10,716,000 | 3,699 |
| Average total loans | $52,117,000 | 3,877 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 2,965 |
| Cost of funding earning assets | 0.1253% | 4,252 |
| Net interest margin | 3.4168% | 2,196 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 3.1685% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6961% | 3,630 |
| Return on assets (ROA) | 0.6833% | 3,614 |
| Pretax return on assets | 0.6833% | 3,882 |
| Return on Equity (ROE) | 7.1200% | 3,614 |
| Retained earnings to average equity (ytd only) | 3.1093% | 3,687 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.9881% | 594 |
| Assets per employee ($millions) | 4.1378% | 4,232 |
| Cash dividends to net income (ytd only)* | 56.3433% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,039 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 43.7900% | 3,906 |
| Net loans and leases to deposits | 48.3885% | 3,967 |
| Net loans and leases to core deposits | 50.5085% | 3,962 |
| Total domestic deposits to total assets | 90.5000% | 1,148 |
| Equity capital to assets | 8.9111% | 2,412 |
| Core capital (leverage) ratio | 8.3965% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6134% | 1,208 |
| Memoranda: | ||
| Average total assets | $117,656,600 | 3,750 |
| Average earning assets | $110,921,200 | 3,714 |
| Average equity | $11,288,600 | 3,736 |
| Average total loans | $51,089,600 | 3,872 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3136% | 3,144 |
| Cost of funding earning assets | 0.1014% | 4,271 |
| Net interest margin | 3.2121% | 2,589 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 3.1410% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5387% | 3,994 |
| Return on assets (ROA) | 0.5239% | 3,968 |
| Pretax return on assets | 0.5239% | 4,112 |
| Return on Equity (ROE) | 5.3600% | 3,911 |
| Retained earnings to average equity (ytd only) | 1.5038% | 4,137 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.3606% | 485 |
| Assets per employee ($millions) | 4.5212% | 4,037 |
| Cash dividends to net income (ytd only)* | 71.9565% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,064 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 43.8300% | 3,884 |
| Net loans and leases to deposits | 47.9123% | 3,955 |
| Net loans and leases to core deposits | 50.0286% | 3,947 |
| Total domestic deposits to total assets | 91.4800% | 1,054 |
| Equity capital to assets | 8.4066% | 2,602 |
| Core capital (leverage) ratio | 8.2837% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3727% | 1,317 |
| Memoranda: | ||
| Average total assets | $117,071,750 | 3,777 |
| Average earning assets | $110,412,500 | 3,746 |
| Average equity | $11,437,500 | 3,769 |
| Average total loans | $50,583,250 | 3,902 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0499% | 3,431 |
| Cost of funding earning assets | 0.0925% | 4,269 |
| Net interest margin | 2.9574% | 3,013 |
| Noninterest income to average assets | 0.6124% | 1,687 |
| Noninterest expense to average assets | 3.0399% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3627% | 4,181 |
| Return on assets (ROA) | 0.3404% | 4,174 |
| Pretax return on assets | 0.3404% | 4,238 |
| Return on Equity (ROE) | 3.3289% | 4,166 |
| Retained earnings to average equity (ytd only) | -1.0371% | 4,297 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3414% | 438 |
| Assets per employee ($millions) | 3.8987% | 4,415 |
| Cash dividends to net income (ytd only)* | 131.1558% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.8957% | 3,981 |
| Net loans and leases to deposits | 46.0922% | 4,024 |
| Net loans and leases to core deposits | 48.1493% | 4,019 |
| Total domestic deposits to total assets | 90.8953% | 1,281 |
| Equity capital to assets | 9.0252% | 2,372 |
| Core capital (leverage) ratio | 8.1375% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4495% | 1,087 |
| Memoranda: | ||
| Average total assets | $116,912,333 | 3,824 |
| Average earning assets | $110,300,000 | 3,805 |
| Average equity | $11,956,000 | 3,789 |
| Average total loans | $50,081,000 | 3,955 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8307% | 3,679 |
| Cost of funding earning assets | 0.0906% | 4,254 |
| Net interest margin | 2.7401% | 3,309 |
| Noninterest income to average assets | 0.6365% | 1,545 |
| Noninterest expense to average assets | 2.9567% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2669% | 4,206 |
| Return on assets (ROA) | 0.2498% | 4,216 |
| Pretax return on assets | 0.2498% | 4,267 |
| Return on Equity (ROE) | 2.3072% | 4,214 |
| Retained earnings to average equity (ytd only) | -4.4564% | 4,398 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7197% | 473 |
| Assets per employee ($millions) | 4.1144% | 4,353 |
| Cash dividends to net income (ytd only)* | 293.1507% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.9708% | 4,013 |
| Net loans and leases to deposits | 44.5058% | 4,042 |
| Net loans and leases to core deposits | 45.6514% | 4,094 |
| Total domestic deposits to total assets | 89.8103% | 1,669 |
| Equity capital to assets | 10.0883% | 1,834 |
| Core capital (leverage) ratio | 8.1755% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4724% | 701 |
| Memoranda: | ||
| Average total assets | $116,887,500 | 3,845 |
| Average earning assets | $110,361,000 | 3,816 |
| Average equity | $12,656,000 | 3,794 |
| Average total loans | $50,336,500 | 3,968 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 1,020 |
| Cost of funding earning assets | 0.0970% | 4,403 |
| Net interest margin | 4.0850% | 614 |
| Noninterest income to average assets | 0.7629% | 1,555 |
| Noninterest expense to average assets | 3.2641% | 663 |
| Loan and lease loss provision to assets | 0.1294% | 947 |
| Net operating income to assets | 1.2121% | 1,888 |
| Return on assets (ROA) | 1.2103% | 1,942 |
| Pretax return on assets | 1.2103% | 2,628 |
| Return on Equity (ROE) | 10.4761% | 2,357 |
| Retained earnings to average equity (ytd only) | 7.1093% | 1,880 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8734% | 1,635 |
| Assets per employee ($millions) | 3.8153% | 4,490 |
| Cash dividends to net income (ytd only)* | 32.1376% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 45.2961% | 3,742 |
| Net loans and leases to deposits | 51.2977% | 3,781 |
| Net loans and leases to core deposits | 52.5273% | 3,854 |
| Total domestic deposits to total assets | 88.3005% | 1,873 |
| Equity capital to assets | 11.5981% | 1,459 |
| Core capital (leverage) ratio | 8.6381% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,864,000 | 3,871 |
| Average earning assets | $106,169,000 | 3,842 |
| Average equity | $13,039,200 | 3,829 |
| Average total loans | $54,763,000 | 3,918 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 1,356 |
| Cost of funding earning assets | 0.0971% | 4,524 |
| Net interest margin | 3.9794% | 824 |
| Noninterest income to average assets | 0.7635% | 1,638 |
| Noninterest expense to average assets | 3.1950% | 717 |
| Loan and lease loss provision to assets | 0.1432% | 791 |
| Net operating income to assets | 1.1666% | 2,290 |
| Return on assets (ROA) | 1.1666% | 2,354 |
| Pretax return on assets | 1.1666% | 3,033 |
| Return on Equity (ROE) | 10.1074% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.5666% | 1,855 |
| Net charge-offs to loans | 0.0024% | 2,284 |
| Credit loss provision to net charge-offs | 12,100.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,105.0000% | 149 |
| Efficiency ratio | 70.9211% | 1,500 |
| Assets per employee ($millions) | 3.9718% | 4,468 |
| Cash dividends to net income (ytd only)* | 15.2439% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 48.3413% | 3,596 |
| Net loans and leases to deposits | 57.9246% | 3,412 |
| Net loans and leases to core deposits | 59.3831% | 3,519 |
| Total domestic deposits to total assets | 83.4556% | 3,590 |
| Equity capital to assets | 11.6564% | 1,570 |
| Core capital (leverage) ratio | 8.5382% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,465,500 | 3,919 |
| Average earning assets | $105,741,500 | 3,892 |
| Average equity | $12,980,250 | 3,884 |
| Average total loans | $55,350,500 | 3,956 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2725% | 3,499 |
| Cost of funding earning assets | 0.1011% | 4,576 |
| Net interest margin | 3.1715% | 2,845 |
| Noninterest income to average assets | 0.6974% | 1,816 |
| Noninterest expense to average assets | 3.0566% | 901 |
| Loan and lease loss provision to assets | 0.0681% | 1,690 |
| Net operating income to assets | 0.5540% | 4,094 |
| Return on assets (ROA) | 0.5540% | 4,143 |
| Pretax return on assets | 0.5540% | 4,305 |
| Return on Equity (ROE) | 4.8162% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.7096% | 3,618 |
| Net charge-offs to loans | 0.0036% | 2,035 |
| Credit loss provision to net charge-offs | 3,800.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 347.0000% | 338 |
| Efficiency ratio | 83.0897% | 607 |
| Assets per employee ($millions) | 3.7947% | 4,552 |
| Cash dividends to net income (ytd only)* | 22.9773% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 4,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.5034% | 3,394 |
| Net loans and leases to deposits | 61.8344% | 3,220 |
| Net loans and leases to core deposits | 63.4093% | 3,341 |
| Total domestic deposits to total assets | 83.2925% | 3,644 |
| Equity capital to assets | 11.2877% | 1,758 |
| Core capital (leverage) ratio | 7.9585% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7769% | 996 |
| Memoranda: | ||
| Average total assets | $111,560,333 | 3,951 |
| Average earning assets | $104,872,667 | 3,922 |
| Average equity | $12,831,667 | 3,905 |
| Average total loans | $55,060,000 | 3,989 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2495% | 3,579 |
| Cost of funding earning assets | 0.1041% | 4,628 |
| Net interest margin | 3.1454% | 2,858 |
| Noninterest income to average assets | 0.6702% | 1,958 |
| Noninterest expense to average assets | 2.9813% | 1,027 |
| Loan and lease loss provision to assets | 0.0688% | 1,776 |
| Net operating income to assets | 0.5760% | 4,003 |
| Return on assets (ROA) | 0.5760% | 4,055 |
| Pretax return on assets | 0.5760% | 4,227 |
| Return on Equity (ROE) | 4.9600% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.9600% | 3,232 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2178% | 695 |
| Assets per employee ($millions) | 3.8607% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 4,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.0798% | 3,808 |
| Net loans and leases to deposits | 56.6352% | 3,745 |
| Net loans and leases to core deposits | 58.0220% | 3,832 |
| Total domestic deposits to total assets | 84.8938% | 3,147 |
| Equity capital to assets | 11.0016% | 1,861 |
| Core capital (leverage) ratio | 8.0936% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5735% | 839 |
| Memoranda: | ||
| Average total assets | $110,420,000 | 3,971 |
| Average earning assets | $103,769,500 | 3,940 |
| Average equity | $12,822,500 | 3,913 |
| Average total loans | $53,044,500 | 4,035 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 2,932 |
| Cost of funding earning assets | 0.2518% | 4,363 |
| Net interest margin | 3.6793% | 1,873 |
| Noninterest income to average assets | 0.8692% | 1,353 |
| Noninterest expense to average assets | 3.3715% | 823 |
| Loan and lease loss provision to assets | 0.0982% | 3,105 |
| Net operating income to assets | 0.8354% | 2,957 |
| Return on assets (ROA) | 0.8444% | 3,055 |
| Pretax return on assets | 0.8444% | 3,513 |
| Return on Equity (ROE) | 6.9270% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.6548% | 3,007 |
| Net charge-offs to loans | -0.0045% | 4,101 |
| Credit loss provision to net charge-offs | -4,950.0000% | 4,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3130% | 1,014 |
| Assets per employee ($millions) | 3.7507% | 4,536 |
| Cash dividends to net income (ytd only)* | 47.2385% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 4,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 47.1720% | 4,038 |
| Net loans and leases to deposits | 56.3108% | 3,974 |
| Net loans and leases to core deposits | 58.0699% | 4,050 |
| Total domestic deposits to total assets | 83.7707% | 3,179 |
| Equity capital to assets | 12.2862% | 1,429 |
| Core capital (leverage) ratio | 8.3027% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,785,600 | 3,981 |
| Average earning assets | $94,121,000 | 3,971 |
| Average equity | $12,285,200 | 3,946 |
| Average total loans | $44,479,800 | 4,213 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 3,622 |
| Cost of funding earning assets | 0.2780% | 4,398 |
| Net interest margin | 3.5017% | 2,584 |
| Noninterest income to average assets | 0.8115% | 1,449 |
| Noninterest expense to average assets | 3.3250% | 873 |
| Loan and lease loss provision to assets | 0.0832% | 3,273 |
| Net operating income to assets | 0.6711% | 3,562 |
| Return on assets (ROA) | 0.6832% | 3,618 |
| Pretax return on assets | 0.6832% | 3,938 |
| Return on Equity (ROE) | 5.6164% | 3,684 |
| Retained earnings to average equity (ytd only) | 4.5173% | 2,790 |
| Net charge-offs to loans | -0.0031% | 3,954 |
| Credit loss provision to net charge-offs | -6,200.0000% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5143% | 753 |
| Assets per employee ($millions) | 3.7567% | 4,511 |
| Cash dividends to net income (ytd only)* | 19.5695% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 4,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 45.8517% | 4,320 |
| Net loans and leases to deposits | 54.8180% | 4,301 |
| Net loans and leases to core deposits | 56.5257% | 4,363 |
| Total domestic deposits to total assets | 83.6434% | 2,944 |
| Equity capital to assets | 12.2135% | 1,567 |
| Core capital (leverage) ratio | 8.6525% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,727,000 | 3,997 |
| Average earning assets | $93,056,500 | 3,983 |
| Average equity | $12,130,750 | 3,967 |
| Average total loans | $43,109,250 | 4,275 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 4,046 |
| Cost of funding earning assets | 0.3202% | 4,397 |
| Net interest margin | 3.3973% | 3,114 |
| Noninterest income to average assets | 0.7170% | 1,680 |
| Noninterest expense to average assets | 3.3195% | 961 |
| Loan and lease loss provision to assets | 0.0592% | 3,559 |
| Net operating income to assets | 0.5025% | 4,013 |
| Return on assets (ROA) | 0.5229% | 4,034 |
| Pretax return on assets | 0.5229% | 4,214 |
| Return on Equity (ROE) | 4.3054% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.3054% | 2,781 |
| Net charge-offs to loans | 0.0097% | 2,599 |
| Credit loss provision to net charge-offs | 1,450.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 137.5000% | 563 |
| Efficiency ratio | 85.5263% | 562 |
| Assets per employee ($millions) | 3.6125% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 4,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 46.0030% | 4,369 |
| Net loans and leases to deposits | 55.2873% | 4,323 |
| Net loans and leases to core deposits | 56.9115% | 4,404 |
| Total domestic deposits to total assets | 83.2071% | 3,029 |
| Equity capital to assets | 12.4518% | 1,399 |
| Core capital (leverage) ratio | 8.6486% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,907,000 | 4,021 |
| Average earning assets | $91,191,333 | 4,007 |
| Average equity | $11,892,000 | 3,994 |
| Average total loans | $41,274,333 | 4,330 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,310 |
| Cost of funding earning assets | 0.3575% | 4,497 |
| Net interest margin | 3.3873% | 3,332 |
| Noninterest income to average assets | 0.6315% | 1,897 |
| Noninterest expense to average assets | 3.2487% | 1,318 |
| Loan and lease loss provision to assets | 0.0582% | 3,031 |
| Net operating income to assets | 0.4736% | 3,961 |
| Return on assets (ROA) | 0.4777% | 4,004 |
| Pretax return on assets | 0.4777% | 4,154 |
| Return on Equity (ROE) | 3.9860% | 3,955 |
| Retained earnings to average equity (ytd only) | 3.9860% | 2,685 |
| Net charge-offs to loans | 0.0208% | 1,953 |
| Credit loss provision to net charge-offs | 700.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 773 |
| Efficiency ratio | 85.9341% | 714 |
| Assets per employee ($millions) | 3.3411% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 4,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 41.4409% | 4,612 |
| Net loans and leases to deposits | 47.3890% | 4,682 |
| Net loans and leases to core deposits | 48.8182% | 4,704 |
| Total domestic deposits to total assets | 87.4484% | 1,360 |
| Equity capital to assets | 12.4105% | 1,788 |
| Core capital (leverage) ratio | 8.9030% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3307% | 1,097 |
| Memoranda: | ||
| Average total assets | $96,285,500 | 4,043 |
| Average earning assets | $89,510,500 | 4,030 |
| Average equity | $11,540,500 | 4,061 |
| Average total loans | $38,471,500 | 4,405 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 4,423 |
| Cost of funding earning assets | 0.3883% | 4,480 |
| Net interest margin | 3.5192% | 3,389 |
| Noninterest income to average assets | 0.6970% | 1,833 |
| Noninterest expense to average assets | 3.4169% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5486% | 4,293 |
| Return on assets (ROA) | 0.5926% | 4,238 |
| Pretax return on assets | 0.5926% | 4,424 |
| Return on Equity (ROE) | 4.8725% | 4,245 |
| Retained earnings to average equity (ytd only) | 2.7572% | 3,659 |
| Net charge-offs to loans | 0.0234% | 2,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 62.3750% | 959 |
| Efficiency ratio | 86.1658% | 530 |
| Assets per employee ($millions) | 3.6674% | 4,294 |
| Cash dividends to net income (ytd only)* | 43.4137% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 4,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 37.8920% | 4,800 |
| Net loans and leases to deposits | 42.9052% | 4,851 |
| Net loans and leases to core deposits | 44.1455% | 4,871 |
| Total domestic deposits to total assets | 88.3156% | 973 |
| Equity capital to assets | 11.5844% | 2,452 |
| Core capital (leverage) ratio | 8.4799% | 4,853 |
| Tier 1 risk-based capital ratio | 18.4152% | 1,660 |
| Total risk-based capital ratio | 19.1407% | 1,739 |
| Memoranda: | ||
| Average total assets | $90,959,200 | 4,133 |
| Average earning assets | $84,478,400 | 4,114 |
| Average equity | $11,062,000 | 4,120 |
| Average total loans | $34,152,800 | 4,551 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 4,478 |
| Cost of funding earning assets | 0.3912% | 4,530 |
| Net interest margin | 3.5469% | 3,417 |
| Noninterest income to average assets | 0.7031% | 1,770 |
| Noninterest expense to average assets | 3.4553% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5367% | 4,436 |
| Return on assets (ROA) | 0.5442% | 4,473 |
| Pretax return on assets | 0.5442% | 4,633 |
| Return on Equity (ROE) | 4.4161% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.4161% | 3,186 |
| Net charge-offs to loans | 0.0281% | 2,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 51.1597% | 1,172 |
| Efficiency ratio | 86.5565% | 471 |
| Assets per employee ($millions) | 3.5955% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 3,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 35.8918% | 4,944 |
| Net loans and leases to deposits | 40.8304% | 4,977 |
| Net loans and leases to core deposits | 41.9018% | 4,996 |
| Total domestic deposits to total assets | 87.9046% | 1,077 |
| Equity capital to assets | 11.9564% | 2,295 |
| Core capital (leverage) ratio | 9.2237% | 4,457 |
| Tier 1 risk-based capital ratio | 19.3369% | 1,495 |
| Total risk-based capital ratio | 20.0980% | 1,566 |
| Memoranda: | ||
| Average total assets | $88,943,750 | 4,214 |
| Average earning assets | $82,474,250 | 4,198 |
| Average equity | $10,959,750 | 4,166 |
| Average total loans | $33,230,500 | 4,632 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 4,382 |
| Cost of funding earning assets | 0.4037% | 4,490 |
| Net interest margin | 3.5928% | 3,278 |
| Noninterest income to average assets | 0.7329% | 1,587 |
| Noninterest expense to average assets | 3.5949% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4615% | 4,613 |
| Return on assets (ROA) | 0.4755% | 4,609 |
| Pretax return on assets | 0.4755% | 4,726 |
| Return on Equity (ROE) | 3.8161% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.8161% | 3,340 |
| Net charge-offs to loans | 0.0123% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 702 |
| Efficiency ratio | 88.6221% | 409 |
| Assets per employee ($millions) | 2.7676% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,769 |
| Loan loss allowance to noncurrent loans | 563.7931% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 4,412 |
| Noncurrent loans to loans | 0.1725% | 3,935 |
| Net loans and leases to total assets | 40.0968% | 4,841 |
| Net loans and leases to deposits | 46.4920% | 4,888 |
| Net loans and leases to core deposits | 47.2535% | 4,925 |
| Total domestic deposits to total assets | 86.2446% | 1,915 |
| Equity capital to assets | 13.6796% | 1,246 |
| Core capital (leverage) ratio | 9.8523% | 3,756 |
| Tier 1 risk-based capital ratio | 19.6999% | 1,404 |
| Total risk-based capital ratio | 20.5004% | 1,461 |
| Memoranda: | ||
| Average total assets | $86,232,330 | 4,278 |
| Average earning assets | $79,771,000 | 4,269 |
| Average equity | $10,744,000 | 4,207 |
| Average total loans | $32,585,330 | 4,691 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8256% | 4,669 |
| Cost of funding earning assets | 0.4130% | 4,434 |
| Net interest margin | 3.4125% | 3,855 |
| Noninterest income to average assets | 0.6877% | 1,654 |
| Noninterest expense to average assets | 3.5658% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2824% | 4,920 |
| Return on assets (ROA) | 0.0137% | 5,140 |
| Pretax return on assets | 0.0137% | 5,133 |
| Return on Equity (ROE) | 0.1150% | 5,142 |
| Retained earnings to average equity (ytd only) | 0.1150% | 4,507 |
| Net charge-offs to loans | 0.0249% | 1,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,312 |
| Efficiency ratio | 92.6627% | 312 |
| Assets per employee ($millions) | 3.1547% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,553 |
| Loan loss allowance to noncurrent loans | 110.8475% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,223 |
| Noncurrent loans to loans | 0.9249% | 1,806 |
| Net loans and leases to total assets | 37.0616% | 4,984 |
| Net loans and leases to deposits | 42.4678% | 5,026 |
| Net loans and leases to core deposits | 43.1351% | 5,059 |
| Total domestic deposits to total assets | 87.2700% | 1,675 |
| Equity capital to assets | 12.6161% | 1,674 |
| Core capital (leverage) ratio | 9.2972% | 4,367 |
| Tier 1 risk-based capital ratio | 19.6538% | 1,409 |
| Total risk-based capital ratio | 20.4730% | 1,470 |
| Memoranda: | ||
| Average total assets | $87,834,000 | 4,297 |
| Average earning assets | $81,347,000 | 4,287 |
| Average equity | $10,437,000 | 4,268 |
| Average total loans | $32,068,500 | 4,752 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6111% | 4,786 |
| Cost of funding earning assets | 0.2780% | 4,667 |
| Net interest margin | 3.3332% | 4,170 |
| Noninterest income to average assets | 0.5736% | 2,429 |
| Noninterest expense to average assets | 3.1507% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5104% | 4,639 |
| Return on assets (ROA) | 0.5058% | 4,654 |
| Pretax return on assets | 0.5058% | 4,787 |
| Return on Equity (ROE) | 4.4345% | 4,602 |
| Retained earnings to average equity (ytd only) | 2.0762% | 4,327 |
| Net charge-offs to loans | -0.0782% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0597% | 522 |
| Assets per employee ($millions) | 3.2318% | 4,798 |
| Cash dividends to net income (ytd only)* | 53.1818% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,557 |
| Loan loss allowance to noncurrent loans | 112.6712% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 3,264 |
| Noncurrent loans to loans | 0.9057% | 1,768 |
| Net loans and leases to total assets | 35.2665% | 5,088 |
| Net loans and leases to deposits | 41.5810% | 5,089 |
| Net loans and leases to core deposits | 42.3840% | 5,115 |
| Total domestic deposits to total assets | 84.8140% | 2,727 |
| Equity capital to assets | 11.1923% | 2,520 |
| Core capital (leverage) ratio | 9.1402% | 4,523 |
| Tier 1 risk-based capital ratio | 18.6007% | 1,595 |
| Total risk-based capital ratio | 19.3810% | 1,676 |
| Memoranda: | ||
| Average total assets | $86,997,600 | 4,316 |
| Average earning assets | $80,583,800 | 4,308 |
| Average equity | $9,922,200 | 4,311 |
| Average total loans | $30,709,800 | 4,799 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 4,850 |
| Cost of funding earning assets | 0.2624% | 4,716 |
| Net interest margin | 3.3095% | 4,252 |
| Noninterest income to average assets | 0.5790% | 2,425 |
| Noninterest expense to average assets | 3.1349% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5093% | 4,742 |
| Return on assets (ROA) | 0.5031% | 4,761 |
| Pretax return on assets | 0.5031% | 4,903 |
| Return on Equity (ROE) | 4.3899% | 4,721 |
| Retained earnings to average equity (ytd only) | 3.1743% | 4,159 |
| Net charge-offs to loans | -0.1143% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0238% | 514 |
| Assets per employee ($millions) | 3.4217% | 4,658 |
| Cash dividends to net income (ytd only)* | 27.6932% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,115 |
| Loan loss allowance to noncurrent loans | 115.3310% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 3,398 |
| Noncurrent loans to loans | 0.9656% | 1,759 |
| Net loans and leases to total assets | 33.0385% | 5,220 |
| Net loans and leases to deposits | 37.1247% | 5,253 |
| Net loans and leases to core deposits | 37.8163% | 5,273 |
| Total domestic deposits to total assets | 88.9932% | 849 |
| Equity capital to assets | 10.8764% | 2,771 |
| Core capital (leverage) ratio | 9.3999% | 4,278 |
| Tier 1 risk-based capital ratio | 20.1216% | 1,313 |
| Total risk-based capital ratio | 20.9672% | 1,362 |
| Memoranda: | ||
| Average total assets | $86,124,250 | 4,371 |
| Average earning assets | $79,768,500 | 4,370 |
| Average equity | $9,870,750 | 4,359 |
| Average total loans | $30,326,750 | 4,863 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 4,913 |
| Cost of funding earning assets | 0.2461% | 4,768 |
| Net interest margin | 3.2597% | 4,360 |
| Noninterest income to average assets | 0.5964% | 2,340 |
| Noninterest expense to average assets | 3.1252% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4884% | 4,772 |
| Return on assets (ROA) | 0.4884% | 4,776 |
| Pretax return on assets | 0.4884% | 4,924 |
| Return on Equity (ROE) | 4.1869% | 4,772 |
| Retained earnings to average equity (ytd only) | 2.3753% | 4,325 |
| Net charge-offs to loans | -0.1703% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4847% | 546 |
| Assets per employee ($millions) | 2.9565% | 5,126 |
| Cash dividends to net income (ytd only)* | 43.2692% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,388 |
| Loan loss allowance to noncurrent loans | 662.0000% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,719 |
| Noncurrent loans to loans | 0.1631% | 4,173 |
| Net loans and leases to total assets | 36.6312% | 5,160 |
| Net loans and leases to deposits | 41.6076% | 5,204 |
| Net loans and leases to core deposits | 42.3839% | 5,231 |
| Total domestic deposits to total assets | 88.0397% | 1,363 |
| Equity capital to assets | 11.8709% | 1,944 |
| Core capital (leverage) ratio | 9.5553% | 4,059 |
| Tier 1 risk-based capital ratio | 19.2445% | 1,489 |
| Total risk-based capital ratio | 20.0655% | 1,555 |
| Memoranda: | ||
| Average total assets | $85,178,000 | 4,425 |
| Average earning assets | $78,840,670 | 4,423 |
| Average equity | $9,935,670 | 4,388 |
| Average total loans | $30,528,000 | 4,915 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 5,108 |
| Cost of funding earning assets | 0.2349% | 4,800 |
| Net interest margin | 3.0882% | 4,724 |
| Noninterest income to average assets | 0.5650% | 2,448 |
| Noninterest expense to average assets | 3.0332% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3936% | 4,937 |
| Return on assets (ROA) | 0.3936% | 4,943 |
| Pretax return on assets | 0.3936% | 5,045 |
| Return on Equity (ROE) | 3.4034% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.4034% | 3,848 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5135% | 509 |
| Assets per employee ($millions) | 3.2002% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,787 |
| Loan loss allowance to noncurrent loans | 535.0877% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 4,749 |
| Noncurrent loans to loans | 0.1924% | 4,101 |
| Net loans and leases to total assets | 35.2402% | 5,234 |
| Net loans and leases to deposits | 40.0437% | 5,261 |
| Net loans and leases to core deposits | 40.7856% | 5,292 |
| Total domestic deposits to total assets | 88.0045% | 1,620 |
| Equity capital to assets | 11.8585% | 1,874 |
| Core capital (leverage) ratio | 9.2900% | 4,335 |
| Tier 1 risk-based capital ratio | 19.0427% | 1,540 |
| Total risk-based capital ratio | 19.7944% | 1,643 |
| Memoranda: | ||
| Average total assets | $86,376,000 | 4,453 |
| Average earning assets | $80,045,500 | 4,446 |
| Average equity | $9,990,000 | 4,426 |
| Average total loans | $30,464,500 | 4,964 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4335% | 4,892 |
| Cost of funding earning assets | 0.2266% | 4,743 |
| Net interest margin | 3.2069% | 4,432 |
| Noninterest income to average assets | 0.5558% | 2,679 |
| Noninterest expense to average assets | 3.1350% | 1,763 |
| Loan and lease loss provision to assets | -0.4097% | 5,634 |
| Net operating income to assets | 0.7978% | 3,165 |
| Return on assets (ROA) | 1.0290% | 2,157 |
| Pretax return on assets | 1.0290% | 3,461 |
| Return on Equity (ROE) | 8.5394% | 2,525 |
| Retained earnings to average equity (ytd only) | 5.6764% | 1,723 |
| Net charge-offs to loans | -1.1196% | 5,630 |
| Credit loss provision to net charge-offs | 101.4837% | 2,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9833% | 477 |
| Assets per employee ($millions) | 3.3165% | 4,921 |
| Cash dividends to net income (ytd only)* | 33.5274% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 4,083 |
| Loan loss allowance to noncurrent loans | 544.6429% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,810 |
| Noncurrent loans to loans | 0.1789% | 4,206 |
| Net loans and leases to total assets | 34.6157% | 5,327 |
| Net loans and leases to deposits | 39.0700% | 5,362 |
| Net loans and leases to core deposits | 39.7362% | 5,393 |
| Total domestic deposits to total assets | 88.5992% | 1,194 |
| Equity capital to assets | 11.2936% | 2,369 |
| Core capital (leverage) ratio | 9.0919% | 4,533 |
| Tier 1 risk-based capital ratio | 19.0135% | 1,503 |
| Total risk-based capital ratio | 19.7725% | 1,597 |
| Memoranda: | ||
| Average total assets | $83,477,000 | 4,523 |
| Average earning assets | $77,239,000 | 4,516 |
| Average equity | $10,059,200 | 4,436 |
| Average total loans | $30,100,200 | 5,023 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 4,895 |
| Cost of funding earning assets | 0.2218% | 4,797 |
| Net interest margin | 3.2254% | 4,394 |
| Noninterest income to average assets | 0.5401% | 2,780 |
| Noninterest expense to average assets | 3.0827% | 1,850 |
| Loan and lease loss provision to assets | -0.5564% | 5,715 |
| Net operating income to assets | 0.9940% | 2,580 |
| Return on assets (ROA) | 1.3144% | 1,322 |
| Pretax return on assets | 1.3144% | 2,420 |
| Return on Equity (ROE) | 10.7240% | 1,814 |
| Retained earnings to average equity (ytd only) | 8.8128% | 908 |
| Net charge-offs to loans | -1.5078% | 5,694 |
| Credit loss provision to net charge-offs | 101.4837% | 2,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5693% | 529 |
| Assets per employee ($millions) | 3.3317% | 4,941 |
| Cash dividends to net income (ytd only)* | 17.8222% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 4,172 |
| Loan loss allowance to noncurrent loans | 542.8571% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 4,692 |
| Noncurrent loans to loans | 0.1810% | 4,339 |
| Net loans and leases to total assets | 35.3674% | 5,373 |
| Net loans and leases to deposits | 40.3448% | 5,415 |
| Net loans and leases to core deposits | 41.0623% | 5,439 |
| Total domestic deposits to total assets | 87.6629% | 1,540 |
| Equity capital to assets | 12.2055% | 1,833 |
| Core capital (leverage) ratio | 9.6643% | 3,970 |
| Tier 1 risk-based capital ratio | 20.5196% | 1,276 |
| Total risk-based capital ratio | 21.3262% | 1,314 |
| Memoranda: | ||
| Average total assets | $81,959,750 | 4,599 |
| Average earning assets | $75,730,000 | 4,590 |
| Average equity | $10,045,750 | 4,480 |
| Average total loans | $29,799,750 | 5,085 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4833% | 4,808 |
| Cost of funding earning assets | 0.2157% | 4,835 |
| Net interest margin | 3.2677% | 4,217 |
| Noninterest income to average assets | 0.5174% | 2,914 |
| Noninterest expense to average assets | 3.0645% | 1,928 |
| Loan and lease loss provision to assets | -0.8557% | 5,776 |
| Net operating income to assets | 1.3233% | 1,241 |
| Return on assets (ROA) | 1.8332% | 440 |
| Pretax return on assets | 1.8332% | 777 |
| Return on Equity (ROE) | 14.9341% | 669 |
| Retained earnings to average equity (ytd only) | 12.0162% | 321 |
| Net charge-offs to loans | -2.3454% | 5,744 |
| Credit loss provision to net charge-offs | 99.7101% | 2,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7606% | 626 |
| Assets per employee ($millions) | 2.9487% | 5,318 |
| Cash dividends to net income (ytd only)* | 19.5387% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 4,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,897 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 38.0958% | 5,301 |
| Net loans and leases to deposits | 43.9406% | 5,347 |
| Net loans and leases to core deposits | 44.7345% | 5,379 |
| Total domestic deposits to total assets | 86.6985% | 2,087 |
| Equity capital to assets | 13.1998% | 1,279 |
| Core capital (leverage) ratio | 9.9349% | 3,611 |
| Tier 1 risk-based capital ratio | 20.0928% | 1,357 |
| Total risk-based capital ratio | 20.9032% | 1,399 |
| Memoranda: | ||
| Average total assets | $80,404,670 | 4,656 |
| Average earning assets | $74,181,670 | 4,656 |
| Average equity | $9,870,000 | 4,530 |
| Average total loans | $29,419,330 | 5,134 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 4,668 |
| Cost of funding earning assets | 0.1932% | 5,035 |
| Net interest margin | 3.3163% | 3,951 |
| Noninterest income to average assets | 0.5297% | 2,766 |
| Noninterest expense to average assets | 3.0396% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5495% | 4,383 |
| Return on assets (ROA) | 1.5396% | 782 |
| Pretax return on assets | 1.5396% | 1,415 |
| Return on Equity (ROE) | 13.0255% | 995 |
| Retained earnings to average equity (ytd only) | 6.9944% | 1,850 |
| Net charge-offs to loans | -0.0417% | 5,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6897% | 910 |
| Assets per employee ($millions) | 3.1936% | 5,170 |
| Cash dividends to net income (ytd only)* | 46.3023% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 3,646 |
| Loan loss allowance to noncurrent loans | 1,418.1818% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 4,648 |
| Noncurrent loans to loans | 0.0784% | 4,882 |
| Net loans and leases to total assets | 34.7520% | 5,447 |
| Net loans and leases to deposits | 40.4266% | 5,459 |
| Net loans and leases to core deposits | 40.9499% | 5,492 |
| Total domestic deposits to total assets | 85.9632% | 2,682 |
| Equity capital to assets | 12.1468% | 1,741 |
| Core capital (leverage) ratio | 9.3492% | 4,279 |
| Tier 1 risk-based capital ratio | 19.6769% | 1,454 |
| Total risk-based capital ratio | 20.5254% | 1,517 |
| Memoranda: | ||
| Average total assets | $80,799,500 | 4,702 |
| Average earning assets | $74,542,000 | 4,689 |
| Average equity | $9,550,500 | 4,613 |
| Average total loans | $28,809,500 | 5,200 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0974% | 5,407 |
| Cost of funding earning assets | 0.1685% | 5,294 |
| Net interest margin | 2.9289% | 5,083 |
| Noninterest income to average assets | 0.5467% | 2,932 |
| Noninterest expense to average assets | 2.9193% | 2,606 |
| Loan and lease loss provision to assets | -0.2691% | 5,826 |
| Net operating income to assets | 0.5968% | 4,215 |
| Return on assets (ROA) | 0.6115% | 4,279 |
| Pretax return on assets | 0.6115% | 4,754 |
| Return on Equity (ROE) | 4.9516% | 4,459 |
| Retained earnings to average equity (ytd only) | 3.5255% | 3,428 |
| Net charge-offs to loans | -0.6767% | 5,849 |
| Credit loss provision to net charge-offs | 114.5833% | 2,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9058% | 558 |
| Assets per employee ($millions) | 3.2704% | 5,079 |
| Cash dividends to net income (ytd only)* | 28.8000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 4,039 |
| Loan loss allowance to noncurrent loans | 1,404.5455% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 4,724 |
| Noncurrent loans to loans | 0.0744% | 4,945 |
| Net loans and leases to total assets | 35.7783% | 5,491 |
| Net loans and leases to deposits | 40.4939% | 5,532 |
| Net loans and leases to core deposits | 40.9910% | 5,572 |
| Total domestic deposits to total assets | 88.3548% | 1,463 |
| Equity capital to assets | 11.5009% | 2,171 |
| Core capital (leverage) ratio | 9.0807% | 4,646 |
| Tier 1 risk-based capital ratio | 18.7497% | 1,669 |
| Total risk-based capital ratio | 19.5693% | 1,737 |
| Memoranda: | ||
| Average total assets | $81,765,800 | 4,701 |
| Average earning assets | $75,385,800 | 4,695 |
| Average equity | $10,097,800 | 4,555 |
| Average total loans | $28,371,000 | 5,254 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0721% | 5,502 |
| Cost of funding earning assets | 0.1627% | 5,396 |
| Net interest margin | 2.9094% | 5,173 |
| Noninterest income to average assets | 0.5055% | 3,213 |
| Noninterest expense to average assets | 2.8438% | 2,850 |
| Loan and lease loss provision to assets | -0.2984% | 5,906 |
| Net operating income to assets | 0.6425% | 4,116 |
| Return on assets (ROA) | 0.6620% | 4,153 |
| Pretax return on assets | 0.6620% | 4,709 |
| Return on Equity (ROE) | 5.2701% | 4,400 |
| Retained earnings to average equity (ytd only) | 3.4009% | 3,860 |
| Net charge-offs to loans | -0.7361% | 5,910 |
| Credit loss provision to net charge-offs | 118.0645% | 2,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2072% | 604 |
| Assets per employee ($millions) | 3.5728% | 4,684 |
| Cash dividends to net income (ytd only)* | 35.4689% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,975 |
| Loan loss allowance to noncurrent loans | 1,409.0909% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 4,602 |
| Noncurrent loans to loans | 0.0764% | 5,043 |
| Net loans and leases to total assets | 34.6809% | 5,596 |
| Net loans and leases to deposits | 39.8270% | 5,637 |
| Net loans and leases to core deposits | 40.3200% | 5,671 |
| Total domestic deposits to total assets | 87.0788% | 1,860 |
| Equity capital to assets | 12.7886% | 1,598 |
| Core capital (leverage) ratio | 9.0858% | 4,736 |
| Tier 1 risk-based capital ratio | 19.3584% | 1,584 |
| Total risk-based capital ratio | 20.2187% | 1,638 |
| Memoranda: | ||
| Average total assets | $81,767,500 | 4,739 |
| Average earning assets | $75,386,500 | 4,732 |
| Average equity | $10,271,500 | 4,572 |
| Average total loans | $28,073,500 | 5,315 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0043% | 5,644 |
| Cost of funding earning assets | 0.1489% | 5,552 |
| Net interest margin | 2.8554% | 5,340 |
| Noninterest income to average assets | 0.4900% | 3,266 |
| Noninterest expense to average assets | 2.7808% | 3,088 |
| Loan and lease loss provision to assets | -0.3994% | 6,003 |
| Net operating income to assets | 0.7399% | 3,606 |
| Return on assets (ROA) | 0.7301% | 3,810 |
| Pretax return on assets | 0.7301% | 4,532 |
| Return on Equity (ROE) | 5.8475% | 4,121 |
| Retained earnings to average equity (ytd only) | 3.0219% | 3,992 |
| Net charge-offs to loans | -1.1068% | 5,995 |
| Credit loss provision to net charge-offs | 105.8442% | 2,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0895% | 648 |
| Assets per employee ($millions) | 3.1809% | 5,234 |
| Cash dividends to net income (ytd only)* | 48.3221% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 4,647 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 35.8676% | 5,614 |
| Net loans and leases to deposits | 43.8209% | 5,572 |
| Net loans and leases to core deposits | 44.1957% | 5,620 |
| Total domestic deposits to total assets | 81.8505% | 4,040 |
| Equity capital to assets | 13.2314% | 1,369 |
| Core capital (leverage) ratio | 8.9473% | 4,890 |
| Tier 1 risk-based capital ratio | 18.8436% | 1,728 |
| Total risk-based capital ratio | 19.7464% | 1,766 |
| Memoranda: | ||
| Average total assets | $81,631,670 | 4,780 |
| Average earning assets | $75,224,670 | 4,777 |
| Average equity | $10,192,330 | 4,612 |
| Average total loans | $27,828,330 | 5,381 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8406% | 5,829 |
| Cost of funding earning assets | 0.1415% | 5,662 |
| Net interest margin | 2.6991% | 5,620 |
| Noninterest income to average assets | 0.4015% | 3,817 |
| Noninterest expense to average assets | 2.7042% | 3,398 |
| Loan and lease loss provision to assets | -0.7885% | 6,101 |
| Net operating income to assets | 0.9772% | 2,386 |
| Return on assets (ROA) | 0.9772% | 2,495 |
| Pretax return on assets | 0.9772% | 3,561 |
| Return on Equity (ROE) | 8.0578% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.0578% | 1,435 |
| Net charge-offs to loans | -2.2258% | 6,069 |
| Credit loss provision to net charge-offs | 107.2368% | 1,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4783% | 478 |
| Assets per employee ($millions) | 3.2852% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 3,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 4,736 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 31.5606% | 5,791 |
| Net loans and leases to deposits | 36.0811% | 5,827 |
| Net loans and leases to core deposits | 36.3599% | 5,853 |
| Total domestic deposits to total assets | 87.4712% | 1,950 |
| Equity capital to assets | 12.4155% | 1,734 |
| Core capital (leverage) ratio | 8.8598% | 5,015 |
| Tier 1 risk-based capital ratio | 22.0125% | 1,156 |
| Total risk-based capital ratio | 23.0534% | 1,169 |
| Memoranda: | ||
| Average total assets | $82,686,000 | 4,795 |
| Average earning assets | $76,323,000 | 4,787 |
| Average equity | $10,027,500 | 4,656 |
| Average total loans | $27,316,500 | 5,439 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9016% | 5,810 |
| Cost of funding earning assets | 0.1424% | 5,731 |
| Net interest margin | 2.7592% | 5,582 |
| Noninterest income to average assets | 0.5285% | 3,147 |
| Noninterest expense to average assets | 2.7702% | 3,350 |
| Loan and lease loss provision to assets | -0.0362% | 5,709 |
| Net operating income to assets | 0.3361% | 5,254 |
| Return on assets (ROA) | 0.3449% | 5,319 |
| Pretax return on assets | 0.3449% | 5,429 |
| Return on Equity (ROE) | 2.8065% | 5,368 |
| Retained earnings to average equity (ytd only) | 1.3422% | 4,959 |
| Net charge-offs to loans | -0.0797% | 5,710 |
| Credit loss provision to net charge-offs | 131.8182% | 1,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2320% | 677 |
| Assets per employee ($millions) | 3.4684% | 4,882 |
| Cash dividends to net income (ytd only)* | 52.1739% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 3,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 4,559 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 33.6937% | 5,785 |
| Net loans and leases to deposits | 38.2722% | 5,830 |
| Net loans and leases to core deposits | 38.2722% | 5,870 |
| Total domestic deposits to total assets | 88.0371% | 1,605 |
| Equity capital to assets | 11.8427% | 2,079 |
| Core capital (leverage) ratio | 8.6153% | 5,317 |
| Tier 1 risk-based capital ratio | 20.3387% | 1,418 |
| Total risk-based capital ratio | 21.3626% | 1,440 |
| Memoranda: | ||
| Average total assets | $80,030,600 | 4,877 |
| Average earning assets | $73,718,000 | 4,865 |
| Average equity | $9,834,400 | 4,682 |
| Average total loans | $27,605,000 | 5,456 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8761% | 5,914 |
| Cost of funding earning assets | 0.1426% | 5,831 |
| Net interest margin | 2.7335% | 5,687 |
| Noninterest income to average assets | 0.5133% | 3,274 |
| Noninterest expense to average assets | 2.7447% | 3,406 |
| Loan and lease loss provision to assets | -0.0488% | 5,914 |
| Net operating income to assets | 0.3332% | 5,363 |
| Return on assets (ROA) | 0.3450% | 5,418 |
| Pretax return on assets | 0.3450% | 5,566 |
| Return on Equity (ROE) | 2.7810% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.7810% | 4,450 |
| Net charge-offs to loans | -0.1167% | 5,842 |
| Credit loss provision to net charge-offs | 120.8333% | 1,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6111% | 663 |
| Assets per employee ($millions) | 3.3045% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 3,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 4,741 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 33.4733% | 5,880 |
| Net loans and leases to deposits | 38.1468% | 5,922 |
| Net loans and leases to core deposits | 38.3053% | 5,964 |
| Total domestic deposits to total assets | 87.7488% | 1,685 |
| Equity capital to assets | 12.1266% | 2,013 |
| Core capital (leverage) ratio | 8.8266% | 5,209 |
| Tier 1 risk-based capital ratio | 20.0242% | 1,544 |
| Total risk-based capital ratio | 21.0273% | 1,567 |
| Memoranda: | ||
| Average total assets | $79,228,000 | 4,945 |
| Average earning assets | $72,920,500 | 4,935 |
| Average equity | $9,828,500 | 4,746 |
| Average total loans | $27,410,000 | 5,529 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8389% | 5,991 |
| Cost of funding earning assets | 0.1447% | 5,892 |
| Net interest margin | 2.6942% | 5,771 |
| Noninterest income to average assets | 0.4942% | 3,419 |
| Noninterest expense to average assets | 2.7580% | 3,386 |
| Loan and lease loss provision to assets | -0.0743% | 6,057 |
| Net operating income to assets | 0.2894% | 5,471 |
| Return on assets (ROA) | 0.3073% | 5,519 |
| Pretax return on assets | 0.3073% | 5,648 |
| Return on Equity (ROE) | 2.4577% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.4577% | 4,490 |
| Net charge-offs to loans | -0.1690% | 5,972 |
| Credit loss provision to net charge-offs | 126.0870% | 1,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7649% | 594 |
| Assets per employee ($millions) | 3.1445% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 3,899 |
| Loan loss allowance to noncurrent loans | 521.5385% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 4,750 |
| Noncurrent loans to loans | 0.2264% | 4,866 |
| Net loans and leases to total assets | 39.2276% | 5,676 |
| Net loans and leases to deposits | 45.3798% | 5,708 |
| Net loans and leases to core deposits | 45.5986% | 5,784 |
| Total domestic deposits to total assets | 86.4430% | 2,465 |
| Equity capital to assets | 13.4520% | 1,190 |
| Core capital (leverage) ratio | 9.0989% | 4,819 |
| Tier 1 risk-based capital ratio | 19.8319% | 1,591 |
| Total risk-based capital ratio | 20.8352% | 1,616 |
| Memoranda: | ||
| Average total assets | $78,100,000 | 5,016 |
| Average earning assets | $71,857,670 | 5,003 |
| Average equity | $9,765,330 | 4,792 |
| Average total loans | $27,215,670 | 5,586 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6414% | 6,160 |
| Cost of funding earning assets | 0.1444% | 5,971 |
| Net interest margin | 2.4970% | 6,018 |
| Noninterest income to average assets | 0.4544% | 3,609 |
| Noninterest expense to average assets | 2.5189% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2420% | 5,582 |
| Return on assets (ROA) | 0.2766% | 5,584 |
| Pretax return on assets | 0.2766% | 5,694 |
| Return on Equity (ROE) | 2.2896% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.2896% | 4,544 |
| Net charge-offs to loans | 0.1058% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,222 |
| Efficiency ratio | 91.2343% | 761 |
| Assets per employee ($millions) | 3.2063% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 3,324 |
| Loan loss allowance to noncurrent loans | 367.3913% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 4,813 |
| Noncurrent loans to loans | 0.3576% | 4,525 |
| Net loans and leases to total assets | 31.6724% | 6,010 |
| Net loans and leases to deposits | 36.1771% | 6,052 |
| Net loans and leases to core deposits | 36.1771% | 6,092 |
| Total domestic deposits to total assets | 87.5483% | 2,074 |
| Equity capital to assets | 12.3232% | 1,808 |
| Core capital (leverage) ratio | 8.5562% | 5,468 |
| Tier 1 risk-based capital ratio | 18.7345% | 1,930 |
| Total risk-based capital ratio | 19.6884% | 1,967 |
| Memoranda: | ||
| Average total assets | $80,988,000 | 5,008 |
| Average earning assets | $74,809,000 | 4,993 |
| Average equity | $9,783,500 | 4,829 |
| Average total loans | $26,468,500 | 5,656 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8379% | 6,183 |
| Cost of funding earning assets | 0.1526% | 6,084 |
| Net interest margin | 2.6853% | 5,963 |
| Noninterest income to average assets | 0.4065% | 4,132 |
| Noninterest expense to average assets | 2.6288% | 4,121 |
| Loan and lease loss provision to assets | -0.0781% | 6,102 |
| Net operating income to assets | 0.3198% | 5,469 |
| Return on assets (ROA) | 0.4425% | 5,141 |
| Pretax return on assets | 0.4425% | 5,400 |
| Return on Equity (ROE) | 3.7930% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.7930% | 3,519 |
| Net charge-offs to loans | -0.4406% | 6,377 |
| Credit loss provision to net charge-offs | 50.0000% | 3,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5803% | 736 |
| Assets per employee ($millions) | 4.0909% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 3,609 |
| Loan loss allowance to noncurrent loans | 547.6190% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 5,043 |
| Noncurrent loans to loans | 0.2315% | 4,996 |
| Net loans and leases to total assets | 32.8363% | 6,091 |
| Net loans and leases to deposits | 37.3020% | 6,121 |
| Net loans and leases to core deposits | 37.3020% | 6,172 |
| Total domestic deposits to total assets | 88.0283% | 1,757 |
| Equity capital to assets | 11.8421% | 2,138 |
| Core capital (leverage) ratio | 8.4103% | 5,652 |
| Tier 1 risk-based capital ratio | 19.5541% | 1,702 |
| Total risk-based capital ratio | 20.5811% | 1,729 |
| Memoranda: | ||
| Average total assets | $80,682,800 | 5,048 |
| Average earning assets | $74,033,200 | 5,038 |
| Average equity | $9,412,000 | 4,885 |
| Average total loans | $28,594,600 | 5,621 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8352% | 6,258 |
| Cost of funding earning assets | 0.1521% | 6,174 |
| Net interest margin | 2.6831% | 6,026 |
| Noninterest income to average assets | 0.3698% | 4,468 |
| Noninterest expense to average assets | 2.6318% | 4,091 |
| Loan and lease loss provision to assets | -0.1078% | 6,286 |
| Net operating income to assets | 0.3035% | 5,564 |
| Return on assets (ROA) | 0.4494% | 5,153 |
| Pretax return on assets | 0.4494% | 5,468 |
| Return on Equity (ROE) | 3.8674% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.8674% | 3,901 |
| Net charge-offs to loans | -0.5620% | 6,472 |
| Credit loss provision to net charge-offs | 53.2787% | 3,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0792% | 641 |
| Assets per employee ($millions) | 3.7921% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 4,568 |
| Loan loss allowance to noncurrent loans | 150.6667% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 4,501 |
| Noncurrent loans to loans | 0.7552% | 3,714 |
| Net loans and leases to total assets | 35.3079% | 6,055 |
| Net loans and leases to deposits | 39.9712% | 6,117 |
| Net loans and leases to core deposits | 39.9712% | 6,182 |
| Total domestic deposits to total assets | 88.3334% | 1,585 |
| Equity capital to assets | 11.5480% | 2,432 |
| Core capital (leverage) ratio | 8.3442% | 5,811 |
| Tier 1 risk-based capital ratio | 18.2114% | 2,146 |
| Total risk-based capital ratio | 19.1639% | 2,200 |
| Memoranda: | ||
| Average total assets | $80,399,000 | 5,111 |
| Average earning assets | $73,643,750 | 5,111 |
| Average equity | $9,342,750 | 4,937 |
| Average total loans | $28,940,500 | 5,667 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7829% | 6,349 |
| Cost of funding earning assets | 0.1572% | 6,220 |
| Net interest margin | 2.6257% | 6,141 |
| Noninterest income to average assets | 0.4912% | 3,539 |
| Noninterest expense to average assets | 2.6074% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2822% | 5,626 |
| Return on assets (ROA) | 0.2847% | 5,686 |
| Pretax return on assets | 0.2847% | 5,814 |
| Return on Equity (ROE) | 2.4444% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.4444% | 4,654 |
| Net charge-offs to loans | -0.8515% | 6,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2354% | 898 |
| Assets per employee ($millions) | 3.2671% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 3,276 |
| Loan loss allowance to noncurrent loans | 179.5556% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 4,063 |
| Noncurrent loans to loans | 0.7876% | 3,731 |
| Net loans and leases to total assets | 37.4805% | 5,983 |
| Net loans and leases to deposits | 43.5928% | 6,005 |
| Net loans and leases to core deposits | 43.5928% | 6,084 |
| Total domestic deposits to total assets | 85.9787% | 3,051 |
| Equity capital to assets | 12.5920% | 1,587 |
| Core capital (leverage) ratio | 8.6365% | 5,483 |
| Tier 1 risk-based capital ratio | 18.2862% | 2,138 |
| Total risk-based capital ratio | 19.4542% | 2,129 |
| Memoranda: | ||
| Average total assets | $79,390,000 | 5,170 |
| Average earning assets | $72,515,330 | 5,168 |
| Average equity | $9,245,670 | 4,975 |
| Average total loans | $28,655,670 | 5,717 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6974% | 6,465 |
| Cost of funding earning assets | 0.1558% | 6,324 |
| Net interest margin | 2.5415% | 6,299 |
| Noninterest income to average assets | 0.5054% | 3,369 |
| Noninterest expense to average assets | 2.5763% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2503% | 5,662 |
| Return on assets (ROA) | 0.2552% | 5,689 |
| Pretax return on assets | 0.2552% | 5,815 |
| Return on Equity (ROE) | 2.2763% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.2763% | 4,693 |
| Net charge-offs to loans | -1.3241% | 6,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1458% | 939 |
| Assets per employee ($millions) | 3.4423% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 3,618 |
| Loan loss allowance to noncurrent loans | 167.5556% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 4,321 |
| Noncurrent loans to loans | 0.8336% | 3,800 |
| Net loans and leases to total assets | 33.6150% | 6,198 |
| Net loans and leases to deposits | 38.0946% | 6,243 |
| Net loans and leases to core deposits | 38.0946% | 6,310 |
| Total domestic deposits to total assets | 88.2409% | 2,085 |
| Equity capital to assets | 11.6226% | 2,154 |
| Core capital (leverage) ratio | 8.0541% | 6,084 |
| Tier 1 risk-based capital ratio | 19.1238% | 1,928 |
| Total risk-based capital ratio | 20.2748% | 1,924 |
| Memoranda: | ||
| Average total assets | $81,513,500 | 5,173 |
| Average earning assets | $74,443,000 | 5,163 |
| Average equity | $9,137,500 | 5,014 |
| Average total loans | $28,699,500 | 5,763 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7585% | 6,517 |
| Cost of funding earning assets | 0.1795% | 6,397 |
| Net interest margin | 2.5790% | 6,288 |
| Noninterest income to average assets | 0.5732% | 3,255 |
| Noninterest expense to average assets | 2.5838% | 4,520 |
| Loan and lease loss provision to assets | 0.2546% | 1,415 |
| Net operating income to assets | 0.1098% | 6,023 |
| Return on assets (ROA) | 0.2160% | 5,843 |
| Pretax return on assets | 0.2160% | 5,909 |
| Return on Equity (ROE) | 1.9538% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.9538% | 4,844 |
| Net charge-offs to loans | 1.5957% | 287 |
| Credit loss provision to net charge-offs | 43.6853% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.6253% | 4,874 |
| Efficiency ratio | 87.6381% | 1,252 |
| Assets per employee ($millions) | 3.8115% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 5,830 |
| Loan loss allowance to noncurrent loans | 37.7510% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 1.1949% | 3,016 |
| Noncurrent loans to loans | 2.4566% | 1,551 |
| Net loans and leases to total assets | 35.9267% | 6,207 |
| Net loans and leases to deposits | 40.3477% | 6,291 |
| Net loans and leases to core deposits | 40.3477% | 6,349 |
| Total domestic deposits to total assets | 89.0429% | 1,592 |
| Equity capital to assets | 10.8200% | 2,797 |
| Core capital (leverage) ratio | 7.8330% | 6,225 |
| Tier 1 risk-based capital ratio | 16.5389% | 2,834 |
| Total risk-based capital ratio | 17.2898% | 3,029 |
| Memoranda: | ||
| Average total assets | $82,861,600 | 5,171 |
| Average earning assets | $76,308,600 | 5,142 |
| Average equity | $9,161,800 | 5,049 |
| Average total loans | $30,268,600 | 5,750 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7746% | 6,585 |
| Cost of funding earning assets | 0.1856% | 6,473 |
| Net interest margin | 2.5891% | 6,331 |
| Noninterest income to average assets | 0.6101% | 3,076 |
| Noninterest expense to average assets | 2.6403% | 4,243 |
| Loan and lease loss provision to assets | 0.1598% | 2,262 |
| Net operating income to assets | 0.1969% | 5,921 |
| Return on assets (ROA) | 0.2889% | 5,759 |
| Pretax return on assets | 0.2889% | 5,901 |
| Return on Equity (ROE) | 2.5986% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.5986% | 4,774 |
| Net charge-offs to loans | 1.6449% | 262 |
| Credit loss provision to net charge-offs | 26.5416% | 3,960 |
| Earnings coverage of net charge-offs (x) | 0.5925% | 4,659 |
| Efficiency ratio | 88.0991% | 1,167 |
| Assets per employee ($millions) | 3.9390% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 5,753 |
| Loan loss allowance to noncurrent loans | 39.0278% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 1.0762% | 3,509 |
| Noncurrent loans to loans | 2.5490% | 1,686 |
| Net loans and leases to total assets | 30.8678% | 6,501 |
| Net loans and leases to deposits | 34.3762% | 6,556 |
| Net loans and leases to core deposits | 34.3762% | 6,601 |
| Total domestic deposits to total assets | 89.7943% | 1,109 |
| Equity capital to assets | 10.0943% | 3,775 |
| Core capital (leverage) ratio | 7.3315% | 6,500 |
| Tier 1 risk-based capital ratio | 18.2625% | 2,225 |
| Total risk-based capital ratio | 19.0886% | 2,352 |
| Memoranda: | ||
| Average total assets | $82,613,500 | 5,228 |
| Average earning assets | $76,164,000 | 5,190 |
| Average equity | $9,184,000 | 5,093 |
| Average total loans | $30,233,750 | 5,803 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8605% | 6,569 |
| Cost of funding earning assets | 0.1987% | 6,479 |
| Net interest margin | 2.6618% | 6,239 |
| Noninterest income to average assets | 0.6154% | 3,100 |
| Noninterest expense to average assets | 2.6791% | 4,111 |
| Loan and lease loss provision to assets | 0.2226% | 1,700 |
| Net operating income to assets | 0.1601% | 6,005 |
| Return on assets (ROA) | 0.3052% | 5,741 |
| Pretax return on assets | 0.3052% | 5,870 |
| Return on Equity (ROE) | 2.6530% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.6530% | 4,619 |
| Net charge-offs to loans | 2.3692% | 166 |
| Credit loss provision to net charge-offs | 24.3169% | 3,671 |
| Earnings coverage of net charge-offs (x) | 0.4180% | 4,400 |
| Efficiency ratio | 87.5000% | 1,280 |
| Assets per employee ($millions) | 3.5755% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 5,922 |
| Loan loss allowance to noncurrent loans | 39.3211% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4124% | 2,987 |
| Noncurrent loans to loans | 2.4727% | 1,884 |
| Net loans and leases to total assets | 35.9945% | 6,301 |
| Net loans and leases to deposits | 40.6174% | 6,383 |
| Net loans and leases to core deposits | 40.6174% | 6,442 |
| Total domestic deposits to total assets | 88.6184% | 1,833 |
| Equity capital to assets | 11.2901% | 2,477 |
| Core capital (leverage) ratio | 8.2011% | 6,008 |
| Tier 1 risk-based capital ratio | 18.1350% | 2,277 |
| Total risk-based capital ratio | 18.9538% | 2,401 |
| Memoranda: | ||
| Average total assets | $79,952,670 | 5,311 |
| Average earning assets | $73,483,330 | 5,290 |
| Average equity | $9,197,000 | 5,127 |
| Average total loans | $30,896,330 | 5,807 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8931% | 6,617 |
| Cost of funding earning assets | 0.2159% | 6,501 |
| Net interest margin | 2.6772% | 6,256 |
| Noninterest income to average assets | 0.6055% | 3,103 |
| Noninterest expense to average assets | 2.6750% | 4,166 |
| Loan and lease loss provision to assets | 0.0943% | 3,094 |
| Net operating income to assets | 0.2978% | 5,575 |
| Return on assets (ROA) | 0.3375% | 5,548 |
| Pretax return on assets | 0.3375% | 5,755 |
| Return on Equity (ROE) | 2.9075% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.9075% | 4,539 |
| Net charge-offs to loans | 1.2231% | 473 |
| Credit loss provision to net charge-offs | 19.3878% | 3,042 |
| Earnings coverage of net charge-offs (x) | 0.8061% | 3,561 |
| Efficiency ratio | 87.2168% | 1,396 |
| Assets per employee ($millions) | 3.3845% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,283 |
| Loan loss allowance to noncurrent loans | 56.7342% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.5647% | 2,917 |
| Noncurrent loans to loans | 2.8701% | 1,764 |
| Net loans and leases to total assets | 36.9410% | 6,229 |
| Net loans and leases to deposits | 42.1000% | 6,314 |
| Net loans and leases to core deposits | 42.1000% | 6,400 |
| Total domestic deposits to total assets | 87.7458% | 2,491 |
| Equity capital to assets | 12.0961% | 1,978 |
| Core capital (leverage) ratio | 8.0901% | 6,059 |
| Tier 1 risk-based capital ratio | 18.0152% | 2,350 |
| Total risk-based capital ratio | 19.2668% | 2,320 |
| Memoranda: | ||
| Average total assets | $80,598,000 | 5,345 |
| Average earning assets | $74,107,000 | 5,320 |
| Average equity | $9,355,000 | 5,145 |
| Average total loans | $32,048,500 | 5,793 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 5,811 |
| Cost of funding earning assets | 0.2985% | 6,461 |
| Net interest margin | 3.5074% | 4,473 |
| Noninterest income to average assets | 0.4486% | 4,255 |
| Noninterest expense to average assets | 2.8170% | 3,960 |
| Loan and lease loss provision to assets | 0.6034% | 909 |
| Net operating income to assets | 0.2283% | 5,705 |
| Return on assets (ROA) | -0.1055% | 6,386 |
| Pretax return on assets | -0.1055% | 6,366 |
| Return on Equity (ROE) | -0.8471% | 6,378 |
| Retained earnings to average equity (ytd only) | -0.8471% | 5,995 |
| Net charge-offs to loans | 1.3881% | 664 |
| Credit loss provision to net charge-offs | 85.7685% | 3,637 |
| Earnings coverage of net charge-offs (x) | 1.1822% | 4,868 |
| Efficiency ratio | 77.2045% | 2,564 |
| Assets per employee ($millions) | 3.6240% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 3,359 |
| Loan loss allowance to noncurrent loans | 74.5968% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 4,124 |
| Noncurrent loans to loans | 2.1339% | 2,543 |
| Net loans and leases to total assets | 41.1623% | 6,082 |
| Net loans and leases to deposits | 46.3931% | 6,227 |
| Net loans and leases to core deposits | 46.3931% | 6,351 |
| Total domestic deposits to total assets | 88.7251% | 1,749 |
| Equity capital to assets | 11.1502% | 2,788 |
| Core capital (leverage) ratio | 8.1844% | 6,017 |
| Tier 1 risk-based capital ratio | 15.8758% | 3,231 |
| Total risk-based capital ratio | 17.1276% | 3,189 |
| Memoranda: | ||
| Average total assets | $74,903,400 | 5,487 |
| Average earning assets | $68,342,000 | 5,485 |
| Average equity | $9,325,600 | 5,144 |
| Average total loans | $37,965,800 | 5,589 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 5,530 |
| Cost of funding earning assets | 0.3183% | 6,525 |
| Net interest margin | 3.6780% | 3,890 |
| Noninterest income to average assets | 0.4121% | 4,539 |
| Noninterest expense to average assets | 2.8922% | 3,629 |
| Loan and lease loss provision to assets | 0.7821% | 616 |
| Net operating income to assets | 0.0824% | 6,153 |
| Return on assets (ROA) | 0.0824% | 6,295 |
| Pretax return on assets | 0.0824% | 6,292 |
| Return on Equity (ROE) | 0.6428% | 6,319 |
| Retained earnings to average equity (ytd only) | 0.6428% | 5,901 |
| Net charge-offs to loans | 2.1269% | 320 |
| Credit loss provision to net charge-offs | 69.0939% | 3,932 |
| Earnings coverage of net charge-offs (x) | 0.7638% | 4,943 |
| Efficiency ratio | 76.9868% | 2,526 |
| Assets per employee ($millions) | 3.5181% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 5,113 |
| Loan loss allowance to noncurrent loans | 105.2758% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 5,167 |
| Noncurrent loans to loans | 1.1743% | 4,101 |
| Net loans and leases to total assets | 45.3151% | 5,839 |
| Net loans and leases to deposits | 51.7156% | 5,995 |
| Net loans and leases to core deposits | 51.7156% | 6,198 |
| Total domestic deposits to total assets | 87.6237% | 2,277 |
| Equity capital to assets | 12.2303% | 2,088 |
| Core capital (leverage) ratio | 8.5001% | 5,754 |
| Tier 1 risk-based capital ratio | 15.4430% | 3,572 |
| Total risk-based capital ratio | 16.5618% | 3,593 |
| Memoranda: | ||
| Average total assets | $72,791,000 | 5,611 |
| Average earning assets | $66,193,000 | 5,608 |
| Average equity | $9,333,500 | 5,191 |
| Average total loans | $38,741,000 | 5,627 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 5,218 |
| Cost of funding earning assets | 0.3345% | 6,577 |
| Net interest margin | 3.7908% | 3,404 |
| Noninterest income to average assets | 0.3480% | 5,052 |
| Noninterest expense to average assets | 2.9219% | 3,534 |
| Loan and lease loss provision to assets | 1.1985% | 344 |
| Net operating income to assets | -0.3368% | 6,644 |
| Return on assets (ROA) | -0.3368% | 6,694 |
| Pretax return on assets | -0.3368% | 6,662 |
| Return on Equity (ROE) | -2.5836% | 6,651 |
| Retained earnings to average equity (ytd only) | -2.5836% | 6,418 |
| Net charge-offs to loans | 3.0339% | 192 |
| Credit loss provision to net charge-offs | 70.6954% | 3,542 |
| Earnings coverage of net charge-offs (x) | 0.5083% | 4,819 |
| Efficiency ratio | 77.2255% | 2,562 |
| Assets per employee ($millions) | 3.1251% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 5,265 |
| Loan loss allowance to noncurrent loans | 71.2264% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9822% | 4,411 |
| Noncurrent loans to loans | 1.7142% | 3,321 |
| Net loans and leases to total assets | 50.9885% | 5,223 |
| Net loans and leases to deposits | 58.6431% | 5,382 |
| Net loans and leases to core deposits | 58.6431% | 5,724 |
| Total domestic deposits to total assets | 86.9471% | 2,803 |
| Equity capital to assets | 12.9026% | 1,564 |
| Core capital (leverage) ratio | 8.6601% | 5,433 |
| Tier 1 risk-based capital ratio | 14.5265% | 4,087 |
| Total risk-based capital ratio | 15.6430% | 4,142 |
| Memoranda: | ||
| Average total assets | $71,255,330 | 5,692 |
| Average earning assets | $64,577,330 | 5,689 |
| Average equity | $9,289,330 | 5,205 |
| Average total loans | $39,817,330 | 5,610 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 4,734 |
| Cost of funding earning assets | 0.3496% | 6,638 |
| Net interest margin | 3.9512% | 2,712 |
| Noninterest income to average assets | 0.0169% | 7,057 |
| Noninterest expense to average assets | 3.0672% | 3,034 |
| Loan and lease loss provision to assets | 1.2066% | 316 |
| Net operating income to assets | -0.6879% | 6,908 |
| Return on assets (ROA) | -0.6879% | 6,930 |
| Pretax return on assets | -0.6879% | 6,895 |
| Return on Equity (ROE) | -5.2490% | 6,859 |
| Retained earnings to average equity (ytd only) | -5.2490% | 6,598 |
| Net charge-offs to loans | 2.0692% | 447 |
| Credit loss provision to net charge-offs | 100.4695% | 2,283 |
| Earnings coverage of net charge-offs (x) | 0.4319% | 4,136 |
| Efficiency ratio | 85.5346% | 1,524 |
| Assets per employee ($millions) | 3.0386% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 3,836 |
| Loan loss allowance to noncurrent loans | 57.8899% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.5596% | 3,525 |
| Noncurrent loans to loans | 2.7168% | 2,403 |
| Net loans and leases to total assets | 56.5047% | 4,288 |
| Net loans and leases to deposits | 65.2846% | 4,459 |
| Net loans and leases to core deposits | 65.2846% | 4,988 |
| Total domestic deposits to total assets | 86.5513% | 3,210 |
| Equity capital to assets | 13.2197% | 1,348 |
| Core capital (leverage) ratio | 8.8194% | 5,109 |
| Tier 1 risk-based capital ratio | 13.5339% | 4,803 |
| Total risk-based capital ratio | 14.7858% | 4,791 |
| Memoranda: | ||
| Average total assets | $70,944,500 | 5,741 |
| Average earning assets | $64,081,000 | 5,751 |
| Average equity | $9,297,000 | 5,214 |
| Average total loans | $41,175,000 | 5,590 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 5,314 |
| Cost of funding earning assets | 0.4841% | 6,600 |
| Net interest margin | 3.9453% | 3,135 |
| Noninterest income to average assets | 0.6023% | 3,153 |
| Noninterest expense to average assets | 2.8910% | 3,992 |
| Loan and lease loss provision to assets | 1.4967% | 493 |
| Net operating income to assets | -0.2423% | 6,294 |
| Return on assets (ROA) | -0.4777% | 6,523 |
| Pretax return on assets | -0.4777% | 6,481 |
| Return on Equity (ROE) | -3.7797% | 6,462 |
| Retained earnings to average equity (ytd only) | -3.7797% | 6,354 |
| Net charge-offs to loans | 2.1834% | 594 |
| Credit loss provision to net charge-offs | 119.0529% | 2,687 |
| Earnings coverage of net charge-offs (x) | 0.9978% | 5,045 |
| Efficiency ratio | 69.7395% | 4,013 |
| Assets per employee ($millions) | 3.1305% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 4,063 |
| Loan loss allowance to noncurrent loans | 48.4243% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.6680% | 2,281 |
| Noncurrent loans to loans | 3.0808% | 2,099 |
| Net loans and leases to total assets | 57.7756% | 4,416 |
| Net loans and leases to deposits | 66.5531% | 4,658 |
| Net loans and leases to core deposits | 66.5531% | 5,203 |
| Total domestic deposits to total assets | 86.8113% | 2,868 |
| Equity capital to assets | 12.9929% | 1,488 |
| Core capital (leverage) ratio | 8.9128% | 4,911 |
| Tier 1 risk-based capital ratio | 13.6306% | 4,606 |
| Total risk-based capital ratio | 14.8774% | 4,566 |
| Memoranda: | ||
| Average total assets | $72,224,000 | 5,685 |
| Average earning assets | $64,862,800 | 5,708 |
| Average equity | $9,127,800 | 5,244 |
| Average total loans | $41,587,200 | 5,616 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 5,434 |
| Cost of funding earning assets | 0.5155% | 6,645 |
| Net interest margin | 3.9333% | 3,219 |
| Noninterest income to average assets | 0.6087% | 3,114 |
| Noninterest expense to average assets | 2.8703% | 4,057 |
| Loan and lease loss provision to assets | 1.9350% | 288 |
| Net operating income to assets | -0.6641% | 6,739 |
| Return on assets (ROA) | -0.7471% | 6,810 |
| Pretax return on assets | -0.7471% | 6,754 |
| Return on Equity (ROE) | -5.9529% | 6,716 |
| Retained earnings to average equity (ytd only) | -5.9529% | 6,643 |
| Net charge-offs to loans | 2.8355% | 348 |
| Credit loss provision to net charge-offs | 119.0692% | 2,736 |
| Earnings coverage of net charge-offs (x) | 0.7821% | 5,029 |
| Efficiency ratio | 69.3096% | 4,073 |
| Assets per employee ($millions) | 3.0347% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 4,036 |
| Loan loss allowance to noncurrent loans | 45.0542% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.8367% | 2,288 |
| Noncurrent loans to loans | 3.3576% | 2,056 |
| Net loans and leases to total assets | 58.2043% | 4,475 |
| Net loans and leases to deposits | 67.1882% | 4,740 |
| Net loans and leases to core deposits | 68.1313% | 5,163 |
| Total domestic deposits to total assets | 86.6287% | 2,868 |
| Equity capital to assets | 13.1392% | 1,543 |
| Core capital (leverage) ratio | 9.0818% | 4,808 |
| Tier 1 risk-based capital ratio | 14.0308% | 4,336 |
| Total risk-based capital ratio | 15.2800% | 4,303 |
| Memoranda: | ||
| Average total assets | $72,279,750 | 5,728 |
| Average earning assets | $64,914,750 | 5,746 |
| Average equity | $9,071,000 | 5,289 |
| Average total loans | $41,426,750 | 5,667 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 6,021 |
| Cost of funding earning assets | 0.5391% | 6,707 |
| Net interest margin | 3.7615% | 3,983 |
| Noninterest income to average assets | 0.5800% | 3,266 |
| Noninterest expense to average assets | 2.8424% | 4,265 |
| Loan and lease loss provision to assets | 2.6564% | 187 |
| Net operating income to assets | -1.5402% | 7,106 |
| Return on assets (ROA) | -1.8685% | 7,178 |
| Pretax return on assets | -1.8685% | 7,141 |
| Return on Equity (ROE) | -15.1145% | 7,068 |
| Retained earnings to average equity (ytd only) | -15.1145% | 7,041 |
| Net charge-offs to loans | 3.9194% | 209 |
| Credit loss provision to net charge-offs | 119.4342% | 2,561 |
| Earnings coverage of net charge-offs (x) | 0.5018% | 4,929 |
| Efficiency ratio | 71.8037% | 3,780 |
| Assets per employee ($millions) | 3.0228% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 4,083 |
| Loan loss allowance to noncurrent loans | 39.5498% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 3.1399% | 2,138 |
| Noncurrent loans to loans | 3.8191% | 1,824 |
| Net loans and leases to total assets | 57.6785% | 4,693 |
| Net loans and leases to deposits | 66.3660% | 4,948 |
| Net loans and leases to core deposits | 66.3660% | 5,466 |
| Total domestic deposits to total assets | 86.9097% | 2,793 |
| Equity capital to assets | 12.8630% | 1,590 |
| Core capital (leverage) ratio | 8.4458% | 5,637 |
| Tier 1 risk-based capital ratio | 13.2632% | 4,720 |
| Total risk-based capital ratio | 14.5110% | 4,696 |
| Memoranda: | ||
| Average total assets | $73,106,670 | 5,746 |
| Average earning assets | $65,665,330 | 5,770 |
| Average equity | $9,037,670 | 5,315 |
| Average total loans | $41,485,670 | 5,731 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 5,899 |
| Cost of funding earning assets | 0.5752% | 6,709 |
| Net interest margin | 3.7595% | 3,802 |
| Noninterest income to average assets | 0.5928% | 3,228 |
| Noninterest expense to average assets | 2.9908% | 3,685 |
| Loan and lease loss provision to assets | 2.7611% | 177 |
| Net operating income to assets | -1.7731% | 7,249 |
| Return on assets (ROA) | -1.7731% | 7,249 |
| Pretax return on assets | -1.7731% | 7,220 |
| Return on Equity (ROE) | -14.6175% | 7,140 |
| Retained earnings to average equity (ytd only) | -14.6175% | 7,029 |
| Net charge-offs to loans | 4.3276% | 196 |
| Credit loss provision to net charge-offs | 114.1280% | 2,353 |
| Earnings coverage of net charge-offs (x) | 0.4084% | 4,313 |
| Efficiency ratio | 75.1678% | 3,309 |
| Assets per employee ($millions) | 2.9663% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 5,152 |
| Loan loss allowance to noncurrent loans | 55.1323% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.2559% | 3,000 |
| Noncurrent loans to loans | 2.3501% | 3,136 |
| Net loans and leases to total assets | 55.7522% | 5,036 |
| Net loans and leases to deposits | 63.9800% | 5,255 |
| Net loans and leases to core deposits | 63.9800% | 5,731 |
| Total domestic deposits to total assets | 87.1400% | 2,863 |
| Equity capital to assets | 12.5692% | 1,588 |
| Core capital (leverage) ratio | 7.9608% | 6,298 |
| Tier 1 risk-based capital ratio | 13.6183% | 4,341 |
| Total risk-based capital ratio | 14.7953% | 4,363 |
| Memoranda: | ||
| Average total assets | $74,897,500 | 5,733 |
| Average earning assets | $67,456,000 | 5,749 |
| Average equity | $9,085,000 | 5,292 |
| Average total loans | $41,870,500 | 5,763 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 6,470 |
| Cost of funding earning assets | 0.8671% | 6,311 |
| Net interest margin | 3.6018% | 4,812 |
| Noninterest income to average assets | 0.5014% | 4,153 |
| Noninterest expense to average assets | 2.7976% | 4,619 |
| Loan and lease loss provision to assets | 0.5411% | 2,983 |
| Net operating income to assets | 0.3403% | 4,789 |
| Return on assets (ROA) | 0.4170% | 4,606 |
| Pretax return on assets | 0.4170% | 4,893 |
| Return on Equity (ROE) | 3.6284% | 4,685 |
| Retained earnings to average equity (ytd only) | 2.5599% | 4,075 |
| Net charge-offs to loans | 0.8202% | 2,587 |
| Credit loss provision to net charge-offs | 125.8929% | 3,228 |
| Earnings coverage of net charge-offs (x) | 2.0506% | 4,194 |
| Efficiency ratio | 76.0431% | 3,050 |
| Assets per employee ($millions) | 3.2752% | 5,480 |
| Cash dividends to net income (ytd only)* | 29.4479% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 6,149 |
| Loan loss allowance to noncurrent loans | 34.6737% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 2.5177% | 2,753 |
| Noncurrent loans to loans | 3.0278% | 2,521 |
| Net loans and leases to total assets | 54.7968% | 5,526 |
| Net loans and leases to deposits | 62.2586% | 5,828 |
| Net loans and leases to core deposits | 63.8289% | 6,064 |
| Total domestic deposits to total assets | 88.0148% | 2,245 |
| Equity capital to assets | 11.7321% | 2,097 |
| Core capital (leverage) ratio | 8.4087% | 5,518 |
| Tier 1 risk-based capital ratio | 12.9369% | 4,647 |
| Total risk-based capital ratio | 13.8666% | 4,902 |
| Memoranda: | ||
| Average total assets | $78,173,800 | 5,639 |
| Average earning assets | $68,965,200 | 5,701 |
| Average equity | $8,984,600 | 5,437 |
| Average total loans | $40,966,400 | 5,887 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 6,595 |
| Cost of funding earning assets | 0.9335% | 6,261 |
| Net interest margin | 3.5722% | 5,007 |
| Noninterest income to average assets | 0.4765% | 4,360 |
| Noninterest expense to average assets | 2.7617% | 4,635 |
| Loan and lease loss provision to assets | 0.4031% | 3,491 |
| Net operating income to assets | 0.4423% | 4,580 |
| Return on assets (ROA) | 0.5448% | 4,280 |
| Pretax return on assets | 0.5448% | 4,776 |
| Return on Equity (ROE) | 4.7654% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.3313% | 4,107 |
| Net charge-offs to loans | 0.3042% | 4,151 |
| Credit loss provision to net charge-offs | 256.5217% | 1,294 |
| Earnings coverage of net charge-offs (x) | 5.3806% | 2,759 |
| Efficiency ratio | 76.5625% | 2,843 |
| Assets per employee ($millions) | 3.1638% | 5,771 |
| Cash dividends to net income (ytd only)* | 30.0950% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 5,569 |
| Loan loss allowance to noncurrent loans | 56.4215% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.1006% | 3,335 |
| Noncurrent loans to loans | 2.0986% | 3,571 |
| Net loans and leases to total assets | 56.4928% | 5,482 |
| Net loans and leases to deposits | 64.7169% | 5,822 |
| Net loans and leases to core deposits | 66.9544% | 6,042 |
| Total domestic deposits to total assets | 87.2922% | 2,378 |
| Equity capital to assets | 12.4088% | 1,904 |
| Core capital (leverage) ratio | 8.7289% | 5,139 |
| Tier 1 risk-based capital ratio | 13.3724% | 4,296 |
| Total risk-based capital ratio | 14.4544% | 4,397 |
| Memoranda: | ||
| Average total assets | $78,066,000 | 5,712 |
| Average earning assets | $68,415,500 | 5,785 |
| Average equity | $8,925,250 | 5,513 |
| Average total loans | $40,325,500 | 5,992 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 6,849 |
| Cost of funding earning assets | 0.9904% | 6,192 |
| Net interest margin | 3.4328% | 5,505 |
| Noninterest income to average assets | 0.4595% | 4,436 |
| Noninterest expense to average assets | 2.7571% | 4,673 |
| Loan and lease loss provision to assets | 0.5230% | 2,698 |
| Net operating income to assets | 0.1625% | 5,685 |
| Return on assets (ROA) | 0.1955% | 5,704 |
| Pretax return on assets | 0.1955% | 5,780 |
| Return on Equity (ROE) | 1.7581% | 5,709 |
| Retained earnings to average equity (ytd only) | -0.4338% | 5,834 |
| Net charge-offs to loans | 0.4021% | 3,374 |
| Credit loss provision to net charge-offs | 260.7595% | 1,462 |
| Earnings coverage of net charge-offs (x) | 3.4177% | 3,334 |
| Efficiency ratio | 80.0885% | 2,435 |
| Assets per employee ($millions) | 2.9795% | 6,180 |
| Cash dividends to net income (ytd only)* | 124.6753% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,416 |
| Loan loss allowance to noncurrent loans | 41.3478% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.0266% | 3,465 |
| Noncurrent loans to loans | 2.9182% | 2,741 |
| Net loans and leases to total assets | 52.5288% | 6,160 |
| Net loans and leases to deposits | 59.5955% | 6,451 |
| Net loans and leases to core deposits | 63.0508% | 6,478 |
| Total domestic deposits to total assets | 88.1422% | 1,933 |
| Equity capital to assets | 11.5364% | 2,410 |
| Core capital (leverage) ratio | 8.0642% | 6,173 |
| Tier 1 risk-based capital ratio | 13.0974% | 4,364 |
| Total risk-based capital ratio | 14.1626% | 4,474 |
| Memoranda: | ||
| Average total assets | $78,778,000 | 5,732 |
| Average earning assets | $68,456,330 | 5,813 |
| Average equity | $8,759,670 | 5,571 |
| Average total loans | $39,297,670 | 6,074 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 7,174 |
| Cost of funding earning assets | 1.0109% | 6,326 |
| Net interest margin | 3.2620% | 6,091 |
| Noninterest income to average assets | 0.5086% | 3,984 |
| Noninterest expense to average assets | 2.5984% | 5,364 |
| Loan and lease loss provision to assets | 0.0755% | 5,886 |
| Net operating income to assets | 0.6295% | 3,763 |
| Return on assets (ROA) | 0.6295% | 3,888 |
| Pretax return on assets | 0.6295% | 4,493 |
| Return on Equity (ROE) | 5.7663% | 3,979 |
| Retained earnings to average equity (ytd only) | 2.4449% | 4,669 |
| Net charge-offs to loans | 0.0104% | 5,443 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 236 |
| Efficiency ratio | 78.6585% | 2,783 |
| Assets per employee ($millions) | 3.4198% | 5,229 |
| Cash dividends to net income (ytd only)* | 57.6000% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 6,458 |
| Loan loss allowance to noncurrent loans | 46.7153% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.5129% | 4,231 |
| Noncurrent loans to loans | 2.1449% | 3,592 |
| Net loans and leases to total assets | 48.2341% | 6,654 |
| Net loans and leases to deposits | 54.3687% | 6,893 |
| Net loans and leases to core deposits | 56.2259% | 6,983 |
| Total domestic deposits to total assets | 88.7167% | 1,664 |
| Equity capital to assets | 11.0456% | 2,716 |
| Core capital (leverage) ratio | 7.6213% | 6,712 |
| Tier 1 risk-based capital ratio | 13.0621% | 4,291 |
| Total risk-based capital ratio | 13.9369% | 4,537 |
| Memoranda: | ||
| Average total assets | $79,433,000 | 5,785 |
| Average earning assets | $68,056,500 | 5,906 |
| Average equity | $8,671,000 | 5,640 |
| Average total loans | $38,351,500 | 6,198 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 7,166 |
| Cost of funding earning assets | 1.1880% | 6,695 |
| Net interest margin | 3.4939% | 4,981 |
| Noninterest income to average assets | 0.6365% | 3,373 |
| Noninterest expense to average assets | 2.6662% | 5,533 |
| Loan and lease loss provision to assets | 1.3297% | 1,725 |
| Net operating income to assets | -0.3986% | 6,080 |
| Return on assets (ROA) | -1.8527% | 7,030 |
| Pretax return on assets | -1.8527% | 6,882 |
| Return on Equity (ROE) | -15.5778% | 6,965 |
| Retained earnings to average equity (ytd only) | -16.5549% | 6,963 |
| Net charge-offs to loans | 2.1601% | 1,115 |
| Credit loss provision to net charge-offs | 118.6972% | 4,535 |
| Earnings coverage of net charge-offs (x) | 0.8311% | 5,277 |
| Efficiency ratio | 74.1172% | 3,872 |
| Assets per employee ($millions) | 3.3421% | 5,398 |
| Cash dividends to net income (ytd only)* | -6.2728% | 7,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 6,560 |
| Loan loss allowance to noncurrent loans | 44.7942% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 1.4886% | 4,150 |
| Noncurrent loans to loans | 2.1522% | 3,451 |
| Net loans and leases to total assets | 47.3881% | 6,864 |
| Net loans and leases to deposits | 53.2331% | 7,100 |
| Net loans and leases to core deposits | 62.5906% | 7,168 |
| Total domestic deposits to total assets | 89.0201% | 1,474 |
| Equity capital to assets | 10.7892% | 2,879 |
| Core capital (leverage) ratio | 7.6231% | 6,654 |
| Tier 1 risk-based capital ratio | 12.6110% | 4,434 |
| Total risk-based capital ratio | 13.4325% | 4,751 |
| Memoranda: | ||
| Average total assets | $74,001,000 | 5,888 |
| Average earning assets | $62,709,000 | 6,044 |
| Average equity | $8,801,000 | 5,665 |
| Average total loans | $38,378,400 | 6,184 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7419% | 7,220 |
| Cost of funding earning assets | 1.2024% | 6,878 |
| Net interest margin | 3.5396% | 4,701 |
| Noninterest income to average assets | 0.5171% | 4,342 |
| Noninterest expense to average assets | 2.7679% | 5,025 |
| Loan and lease loss provision to assets | 1.2238% | 1,585 |
| Net operating income to assets | -0.4840% | 6,411 |
| Return on assets (ROA) | -2.4624% | 7,454 |
| Pretax return on assets | -2.4624% | 7,332 |
| Return on Equity (ROE) | -20.1857% | 7,376 |
| Retained earnings to average equity (ytd only) | -20.1857% | 7,342 |
| Net charge-offs to loans | 1.7822% | 1,135 |
| Credit loss provision to net charge-offs | 129.6296% | 3,866 |
| Earnings coverage of net charge-offs (x) | 0.7836% | 5,269 |
| Efficiency ratio | 78.9087% | 3,009 |
| Assets per employee ($millions) | 2.9755% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 6,545 |
| Loan loss allowance to noncurrent loans | 31.5021% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 1.8400% | 3,597 |
| Noncurrent loans to loans | 3.0159% | 2,507 |
| Net loans and leases to total assets | 45.9239% | 7,113 |
| Net loans and leases to deposits | 51.5272% | 7,327 |
| Net loans and leases to core deposits | 59.7473% | 7,408 |
| Total domestic deposits to total assets | 89.1255% | 1,141 |
| Equity capital to assets | 10.5372% | 3,473 |
| Core capital (leverage) ratio | 7.9834% | 6,389 |
| Tier 1 risk-based capital ratio | 12.4419% | 4,594 |
| Total risk-based capital ratio | 13.2396% | 4,924 |
| Memoranda: | ||
| Average total assets | $72,448,750 | 5,966 |
| Average earning assets | $61,211,250 | 6,138 |
| Average equity | $8,837,750 | 5,705 |
| Average total loans | $38,378,000 | 6,232 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 7,210 |
| Cost of funding earning assets | 1.1997% | 7,105 |
| Net interest margin | 3.6091% | 4,328 |
| Noninterest income to average assets | 0.5724% | 3,885 |
| Noninterest expense to average assets | 2.9872% | 4,134 |
| Loan and lease loss provision to assets | 1.9324% | 848 |
| Net operating income to assets | -1.2175% | 7,119 |
| Return on assets (ROA) | -4.3413% | 7,871 |
| Pretax return on assets | -4.3413% | 7,787 |
| Return on Equity (ROE) | -33.7348% | 7,765 |
| Retained earnings to average equity (ytd only) | -34.8638% | 7,761 |
| Net charge-offs to loans | 2.7001% | 626 |
| Credit loss provision to net charge-offs | 128.6267% | 3,616 |
| Earnings coverage of net charge-offs (x) | 0.4758% | 5,228 |
| Efficiency ratio | 80.6907% | 2,935 |
| Assets per employee ($millions) | 2.7182% | 6,798 |
| Cash dividends to net income (ytd only)* | -3.3467% | 7,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 6,628 |
| Loan loss allowance to noncurrent loans | 31.2661% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 1.7909% | 3,491 |
| Noncurrent loans to loans | 2.9863% | 2,420 |
| Net loans and leases to total assets | 56.6766% | 6,127 |
| Net loans and leases to deposits | 65.3844% | 6,449 |
| Net loans and leases to core deposits | 74.7859% | 6,744 |
| Total domestic deposits to total assets | 86.6822% | 2,414 |
| Equity capital to assets | 12.8925% | 1,739 |
| Core capital (leverage) ratio | 8.6878% | 5,113 |
| Tier 1 risk-based capital ratio | 13.0603% | 4,097 |
| Total risk-based capital ratio | 13.9064% | 4,312 |
| Memoranda: | ||
| Average total assets | $68,827,000 | 6,118 |
| Average earning assets | $59,683,000 | 6,240 |
| Average equity | $8,857,330 | 5,735 |
| Average total loans | $38,294,670 | 6,282 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 7,406 |
| Cost of funding earning assets | 1.2193% | 7,253 |
| Net interest margin | 3.5542% | 4,508 |
| Noninterest income to average assets | 0.5602% | 3,834 |
| Noninterest expense to average assets | 2.9222% | 4,083 |
| Loan and lease loss provision to assets | 2.3966% | 487 |
| Net operating income to assets | -1.5939% | 7,539 |
| Return on assets (ROA) | -1.5881% | 7,538 |
| Pretax return on assets | -1.5881% | 7,400 |
| Return on Equity (ROE) | -12.3519% | 7,490 |
| Retained earnings to average equity (ytd only) | -14.5977% | 7,415 |
| Net charge-offs to loans | 2.7892% | 469 |
| Credit loss provision to net charge-offs | 156.6038% | 2,685 |
| Earnings coverage of net charge-offs (x) | 0.5245% | 4,570 |
| Efficiency ratio | 78.4496% | 3,096 |
| Assets per employee ($millions) | 2.6604% | 6,960 |
| Cash dividends to net income (ytd only)* | -18.1818% | 8,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 6,413 |
| Loan loss allowance to noncurrent loans | 42.9412% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3577% | 3,946 |
| Noncurrent loans to loans | 2.2426% | 2,939 |
| Net loans and leases to total assets | 56.4405% | 6,173 |
| Net loans and leases to deposits | 66.3955% | 6,342 |
| Net loans and leases to core deposits | 74.6861% | 6,763 |
| Total domestic deposits to total assets | 85.0065% | 3,202 |
| Equity capital to assets | 13.0012% | 1,744 |
| Core capital (leverage) ratio | 9.0244% | 4,667 |
| Tier 1 risk-based capital ratio | 13.9323% | 3,631 |
| Total risk-based capital ratio | 14.7817% | 3,768 |
| Memoranda: | ||
| Average total assets | $69,263,500 | 6,132 |
| Average earning assets | $61,674,000 | 6,188 |
| Average equity | $8,905,500 | 5,735 |
| Average total loans | $38,003,500 | 6,334 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4533% | 7,390 |
| Cost of funding earning assets | 1.9448% | 6,595 |
| Net interest margin | 3.5085% | 5,274 |
| Noninterest income to average assets | 0.5182% | 4,483 |
| Noninterest expense to average assets | 2.9395% | 4,308 |
| Loan and lease loss provision to assets | 0.0417% | 6,892 |
| Net operating income to assets | 0.6285% | 4,193 |
| Return on assets (ROA) | 0.6418% | 3,990 |
| Pretax return on assets | 0.6478% | 4,553 |
| Return on Equity (ROE) | 4.7941% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.7941% | 2,152 |
| Net charge-offs to loans | -0.0325% | 7,979 |
| Credit loss provision to net charge-offs | -233.3333% | 7,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3015% | 2,398 |
| Assets per employee ($millions) | 3.1312% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5642% | 7,740 |
| Loan loss allowance to noncurrent loans | 16.3872% | 7,353 |
| Noncurrent assets plus other real estate owned to assets | 1.8218% | 2,706 |
| Noncurrent loans to loans | 3.4432% | 1,483 |
| Net loans and leases to total assets | 52.6105% | 6,787 |
| Net loans and leases to deposits | 60.4888% | 7,048 |
| Net loans and leases to core deposits | 75.2169% | 6,903 |
| Total domestic deposits to total assets | 86.9755% | 1,945 |
| Equity capital to assets | 12.7246% | 1,909 |
| Core capital (leverage) ratio | 9.8578% | 3,585 |
| Tier 1 risk-based capital ratio | 13.8596% | 3,616 |
| Total risk-based capital ratio | 14.3443% | 3,967 |
| Memoranda: | ||
| Average total assets | $67,154,600 | 6,118 |
| Average earning assets | $59,285,400 | 6,204 |
| Average equity | $8,990,200 | 5,740 |
| Average total loans | $36,951,400 | 6,317 |