Home > Fidelity Bank > Performance and Condition Ratios
Fidelity Bank, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6487% | 486 |
| Cost of funding earning assets | 1.7896% | 459 |
| Net interest margin | 3.8591% | 1,562 |
| Noninterest income to average assets | 1.9400% | 239 |
| Noninterest expense to average assets | 6.7199% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -1.1477% | 4,631 |
| Return on assets (ROA) | -1.1746% | 4,625 |
| Pretax return on assets | -1.3669% | 4,622 |
| Return on Equity (ROE) | -10.3300% | 4,598 |
| Retained earnings to average equity (ytd only) | -19.7017% | 4,590 |
| 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 | 124.8069% | 64 |
| Assets per employee ($millions) | 2.0454% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 82.5000% | 324 |
| Net loans and leases to deposits | 109.5002% | 188 |
| Net loans and leases to core deposits | 155.8704% | 106 |
| Total domestic deposits to total assets | 75.3400% | 4,203 |
| Equity capital to assets | 10.5128% | 1,556 |
| Core capital (leverage) ratio | 9.1738% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0568% | 2,714 |
| Memoranda: | ||
| Average total assets | $76,965,000 | 4,139 |
| Average earning assets | $68,617,000 | 4,145 |
| Average equity | $8,750,500 | 3,916 |
| Average total loans | $63,673,500 | 3,702 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 354 |
| Cost of funding earning assets | 0.9526% | 204 |
| Net interest margin | 3.9642% | 834 |
| Noninterest income to average assets | 3.8300% | 149 |
| Noninterest expense to average assets | 8.5073% | 125 |
| Loan and lease loss provision to assets | -0.1600% | 4,606 |
| Net operating income to assets | -1.0176% | 4,660 |
| Return on assets (ROA) | -1.0176% | 4,655 |
| Pretax return on assets | -1.0402% | 4,648 |
| Return on Equity (ROE) | -7.3600% | 4,646 |
| Retained earnings to average equity (ytd only) | -15.9464% | 4,681 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 116.4264% | 69 |
| Assets per employee ($millions) | 1.7389% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 3,687 |
| 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 | 82.1800% | 391 |
| Net loans and leases to deposits | 116.6494% | 90 |
| Net loans and leases to core deposits | 151.0475% | 90 |
| Total domestic deposits to total assets | 70.4500% | 4,462 |
| Equity capital to assets | 12.1979% | 881 |
| Core capital (leverage) ratio | 10.4486% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5229% | 1,777 |
| Memoranda: | ||
| Average total assets | $74,983,000 | 4,189 |
| Average earning assets | $65,712,400 | 4,199 |
| Average equity | $10,366,000 | 3,827 |
| Average total loans | $58,852,600 | 3,751 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 355 |
| Cost of funding earning assets | 0.7854% | 163 |
| Net interest margin | 3.9146% | 778 |
| Noninterest income to average assets | 4.3300% | 144 |
| Noninterest expense to average assets | 8.7172% | 123 |
| Loan and lease loss provision to assets | -0.2200% | 4,686 |
| Net operating income to assets | -0.7299% | 4,697 |
| Return on assets (ROA) | -0.7299% | 4,686 |
| Pretax return on assets | -0.7604% | 4,680 |
| Return on Equity (ROE) | -5.1200% | 4,665 |
| Retained earnings to average equity (ytd only) | -13.2557% | 4,704 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 112.6103% | 86 |
| Assets per employee ($millions) | 1.6545% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 3,533 |
| 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 | 80.6000% | 485 |
| Net loans and leases to deposits | 118.5714% | 59 |
| Net loans and leases to core deposits | 124.2654% | 193 |
| Total domestic deposits to total assets | 67.9800% | 4,564 |
| Equity capital to assets | 13.5888% | 606 |
| Core capital (leverage) ratio | 11.4823% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2916% | 1,343 |
| Memoranda: | ||
| Average total assets | $74,166,000 | 4,231 |
| Average earning assets | $64,679,750 | 4,239 |
| Average equity | $10,571,250 | 3,855 |
| Average total loans | $57,338,250 | 3,797 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 437 |
| Cost of funding earning assets | 0.7559% | 120 |
| Net interest margin | 3.6457% | 999 |
| Noninterest income to average assets | 4.8278% | 101 |
| Noninterest expense to average assets | 9.0832% | 81 |
| Loan and lease loss provision to assets | -0.3240% | 4,730 |
| Net operating income to assets | -0.7209% | 4,700 |
| Return on assets (ROA) | -0.7209% | 4,688 |
| Pretax return on assets | -0.7668% | 4,682 |
| Return on Equity (ROE) | -4.9801% | 4,673 |
| Retained earnings to average equity (ytd only) | -16.8242% | 4,711 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6486% | 103 |
| Assets per employee ($millions) | 1.5765% | 4,713 |
| Cash dividends to net income (ytd only)* | -237.8277% | 4,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,332 |
| Loan loss allowance to noncurrent loans | 625.0000% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 2,805 |
| Noncurrent loans to loans | 0.1694% | 2,845 |
| Net loans and leases to total assets | 75.6923% | 761 |
| Net loans and leases to deposits | 104.3655% | 161 |
| Net loans and leases to core deposits | 109.0639% | 367 |
| Total domestic deposits to total assets | 72.5262% | 4,572 |
| Equity capital to assets | 13.9562% | 522 |
| Core capital (leverage) ratio | 12.1822% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1317% | 1,156 |
| Memoranda: | ||
| Average total assets | $74,071,000 | 4,272 |
| Average earning assets | $64,294,667 | 4,300 |
| Average equity | $10,722,667 | 3,908 |
| Average total loans | $56,248,000 | 3,857 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0183% | 746 |
| Cost of funding earning assets | 0.7725% | 102 |
| Net interest margin | 3.2458% | 1,734 |
| Noninterest income to average assets | 5.2445% | 100 |
| Noninterest expense to average assets | 9.2629% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.1126% | 4,740 |
| Return on assets (ROA) | -1.1126% | 4,736 |
| Pretax return on assets | -1.2045% | 4,738 |
| Return on Equity (ROE) | -7.5503% | 4,726 |
| Retained earnings to average equity (ytd only) | -30.4577% | 4,746 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9464% | 102 |
| Assets per employee ($millions) | 1.6328% | 4,736 |
| Cash dividends to net income (ytd only)* | -303.3981% | 4,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 2,096 |
| Loan loss allowance to noncurrent loans | 750.0000% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 2,861 |
| Noncurrent loans to loans | 0.1807% | 2,911 |
| Net loans and leases to total assets | 72.9567% | 738 |
| Net loans and leases to deposits | 107.8210% | 83 |
| Net loans and leases to core deposits | 110.6385% | 245 |
| Total domestic deposits to total assets | 67.6647% | 4,679 |
| Equity capital to assets | 14.5593% | 439 |
| Core capital (leverage) ratio | 11.7871% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8584% | 1,067 |
| Memoranda: | ||
| Average total assets | $74,058,500 | 4,298 |
| Average earning assets | $64,206,500 | 4,325 |
| Average equity | $10,913,500 | 3,962 |
| Average total loans | $56,029,500 | 3,863 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8844% | 1,659 |
| Cost of funding earning assets | 1.4859% | 12 |
| Net interest margin | 2.3985% | 4,322 |
| Noninterest income to average assets | 8.0467% | 78 |
| Noninterest expense to average assets | 9.5603% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5538% | 3,972 |
| Return on assets (ROA) | 0.5538% | 4,021 |
| Pretax return on assets | 0.5812% | 4,135 |
| Return on Equity (ROE) | 4.6454% | 4,071 |
| Retained earnings to average equity (ytd only) | -16.8736% | 4,803 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2688% | 230 |
| Assets per employee ($millions) | 1.6950% | 4,778 |
| Cash dividends to net income (ytd only)* | 463.2353% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,781 |
| Loan loss allowance to noncurrent loans | 808.9888% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 3,110 |
| Noncurrent loans to loans | 0.1510% | 3,182 |
| Net loans and leases to total assets | 76.3101% | 499 |
| Net loans and leases to deposits | 115.7690% | 53 |
| Net loans and leases to core deposits | 126.4260% | 119 |
| Total domestic deposits to total assets | 65.9159% | 4,732 |
| Equity capital to assets | 14.9030% | 506 |
| Core capital (leverage) ratio | 12.1925% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8218% | 1,086 |
| Memoranda: | ||
| Average total assets | $98,239,200 | 4,010 |
| Average earning assets | $85,804,000 | 4,062 |
| Average equity | $11,710,600 | 3,968 |
| Average total loans | $74,865,200 | 3,565 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 1,974 |
| Cost of funding earning assets | 1.6143% | 6 |
| Net interest margin | 2.2062% | 4,569 |
| Noninterest income to average assets | 8.8188% | 76 |
| Noninterest expense to average assets | 9.6941% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9974% | 2,919 |
| Return on assets (ROA) | 0.9974% | 2,982 |
| Pretax return on assets | 1.0553% | 3,310 |
| Return on Equity (ROE) | 8.7707% | 3,174 |
| Retained earnings to average equity (ytd only) | -19.7116% | 4,882 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1829% | 315 |
| Assets per employee ($millions) | 1.8402% | 4,849 |
| Cash dividends to net income (ytd only)* | 324.7423% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,400 |
| Loan loss allowance to noncurrent loans | 263.7363% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 2,190 |
| Noncurrent loans to loans | 0.4205% | 2,303 |
| Net loans and leases to total assets | 74.2259% | 674 |
| Net loans and leases to deposits | 124.1501% | 35 |
| Net loans and leases to core deposits | 136.1338% | 93 |
| Total domestic deposits to total assets | 59.7873% | 4,840 |
| Equity capital to assets | 13.4154% | 877 |
| Core capital (leverage) ratio | 10.0208% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2208% | 1,305 |
| Memoranda: | ||
| Average total assets | $103,730,750 | 4,010 |
| Average earning assets | $90,772,500 | 4,055 |
| Average equity | $11,796,500 | 4,005 |
| Average total loans | $78,850,500 | 3,543 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 1,780 |
| Cost of funding earning assets | 1.6072% | 8 |
| Net interest margin | 2.3052% | 4,512 |
| Noninterest income to average assets | 8.3579% | 77 |
| Noninterest expense to average assets | 9.5289% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8166% | 3,456 |
| Return on assets (ROA) | 0.8166% | 3,530 |
| Pretax return on assets | 0.8623% | 3,742 |
| Return on Equity (ROE) | 7.5373% | 3,521 |
| Retained earnings to average equity (ytd only) | -34.9549% | 4,925 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7018% | 303 |
| Assets per employee ($millions) | 2.1289% | 4,868 |
| Cash dividends to net income (ytd only)* | 563.7584% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,084 |
| Loan loss allowance to noncurrent loans | 354.6798% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 1,776 |
| Noncurrent loans to loans | 0.2603% | 3,010 |
| Net loans and leases to total assets | 71.1779% | 1,056 |
| Net loans and leases to deposits | 134.0108% | 29 |
| Net loans and leases to core deposits | 153.3151% | 62 |
| Total domestic deposits to total assets | 53.1136% | 4,893 |
| Equity capital to assets | 10.3866% | 2,503 |
| Core capital (leverage) ratio | 9.4207% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8185% | 2,041 |
| Memoranda: | ||
| Average total assets | $109,477,667 | 3,969 |
| Average earning assets | $96,563,667 | 4,010 |
| Average equity | $11,861,000 | 4,003 |
| Average total loans | $83,494,667 | 3,488 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1296% | 3,830 |
| Cost of funding earning assets | 1.8490% | 7 |
| Net interest margin | 1.2807% | 4,899 |
| Noninterest income to average assets | 8.5291% | 81 |
| Noninterest expense to average assets | 9.1731% | 77 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4148% | 4,334 |
| Return on assets (ROA) | 0.4148% | 4,364 |
| Pretax return on assets | 0.4876% | 4,373 |
| Return on Equity (ROE) | 3.7522% | 4,332 |
| Retained earnings to average equity (ytd only) | -79.1903% | 4,969 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9529% | 270 |
| Assets per employee ($millions) | 2.1521% | 4,895 |
| Cash dividends to net income (ytd only)* | 2,210.5263% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 4,172 |
| Loan loss allowance to noncurrent loans | 137.1429% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 1,926 |
| Noncurrent loans to loans | 0.6514% | 1,940 |
| Net loans and leases to total assets | 74.2319% | 793 |
| Net loans and leases to deposits | 141.1721% | 29 |
| Net loans and leases to core deposits | 161.9488% | 60 |
| Total domestic deposits to total assets | 52.5826% | 4,920 |
| Equity capital to assets | 10.1742% | 2,535 |
| Core capital (leverage) ratio | 7.9861% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2614% | 2,180 |
| Memoranda: | ||
| Average total assets | $109,930,000 | 3,973 |
| Average earning assets | $97,135,500 | 4,008 |
| Average equity | $12,153,000 | 3,982 |
| Average total loans | $86,242,000 | 3,467 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 2,678 |
| Cost of funding earning assets | 1.8143% | 19 |
| Net interest margin | 2.2019% | 4,758 |
| Noninterest income to average assets | 16.2876% | 49 |
| Noninterest expense to average assets | 13.0435% | 56 |
| Loan and lease loss provision to assets | 0.0532% | 3,709 |
| Net operating income to assets | 4.8713% | 44 |
| Return on assets (ROA) | 4.8986% | 43 |
| Pretax return on assets | 5.1540% | 53 |
| Return on Equity (ROE) | 39.1763% | 31 |
| Retained earnings to average equity (ytd only) | 26.8805% | 36 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5812% | 1,737 |
| Assets per employee ($millions) | 2.2011% | 4,912 |
| Cash dividends to net income (ytd only)* | 31.3858% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 4,454 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 2,444 |
| Noncurrent loans to loans | 0.4701% | 2,559 |
| Net loans and leases to total assets | 81.2140% | 350 |
| Net loans and leases to deposits | 171.0688% | 14 |
| Net loans and leases to core deposits | 203.7867% | 39 |
| Total domestic deposits to total assets | 47.4745% | 4,951 |
| Equity capital to assets | 11.8998% | 1,623 |
| Core capital (leverage) ratio | 10.3936% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4038% | 1,424 |
| Memoranda: | ||
| Average total assets | $93,985,600 | 4,067 |
| Average earning assets | $82,564,800 | 4,124 |
| Average equity | $11,752,000 | 3,997 |
| Average total loans | $75,638,000 | 3,631 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 2,130 |
| Cost of funding earning assets | 1.8727% | 24 |
| Net interest margin | 2.4175% | 4,715 |
| Noninterest income to average assets | 16.6479% | 46 |
| Noninterest expense to average assets | 12.3566% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 6.1104% | 41 |
| Return on assets (ROA) | 6.1104% | 38 |
| Pretax return on assets | 6.4087% | 39 |
| Return on Equity (ROE) | 48.1376% | 23 |
| Retained earnings to average equity (ytd only) | 35.7450% | 24 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8482% | 2,488 |
| Assets per employee ($millions) | 2.0709% | 4,952 |
| Cash dividends to net income (ytd only)* | 25.7443% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 4,329 |
| Loan loss allowance to noncurrent loans | 155.0926% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 2,438 |
| Noncurrent loans to loans | 0.5249% | 2,486 |
| Net loans and leases to total assets | 82.1233% | 420 |
| Net loans and leases to deposits | 159.5548% | 21 |
| Net loans and leases to core deposits | 178.9648% | 54 |
| Total domestic deposits to total assets | 51.4703% | 4,974 |
| Equity capital to assets | 13.3648% | 1,046 |
| Core capital (leverage) ratio | 11.7370% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7941% | 1,085 |
| Memoranda: | ||
| Average total assets | $89,418,500 | 4,130 |
| Average earning assets | $78,316,500 | 4,191 |
| Average equity | $11,350,500 | 4,053 |
| Average total loans | $71,576,000 | 3,716 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 2,011 |
| Cost of funding earning assets | 1.9181% | 27 |
| Net interest margin | 2.5495% | 4,698 |
| Noninterest income to average assets | 16.4339% | 43 |
| Noninterest expense to average assets | 12.7750% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 5.4269% | 34 |
| Return on assets (ROA) | 5.4269% | 33 |
| Pretax return on assets | 5.8915% | 36 |
| Return on Equity (ROE) | 43.6404% | 25 |
| Retained earnings to average equity (ytd only) | 32.9919% | 25 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4381% | 2,179 |
| Assets per employee ($millions) | 1.8350% | 4,999 |
| Cash dividends to net income (ytd only)* | 24.4007% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 3,842 |
| Loan loss allowance to noncurrent loans | 113.1757% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 1,853 |
| Noncurrent loans to loans | 0.8300% | 1,838 |
| Net loans and leases to total assets | 78.5791% | 777 |
| Net loans and leases to deposits | 142.2738% | 34 |
| Net loans and leases to core deposits | 151.6061% | 101 |
| Total domestic deposits to total assets | 55.2309% | 4,988 |
| Equity capital to assets | 13.3579% | 1,014 |
| Core capital (leverage) ratio | 11.0476% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7838% | 1,090 |
| Memoranda: | ||
| Average total assets | $86,090,333 | 4,177 |
| Average earning assets | $75,386,333 | 4,229 |
| Average equity | $10,705,667 | 4,137 |
| Average total loans | $68,000,333 | 3,792 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 2,975 |
| Cost of funding earning assets | 1.8412% | 66 |
| Net interest margin | 2.4423% | 4,854 |
| Noninterest income to average assets | 14.5028% | 46 |
| Noninterest expense to average assets | 15.3866% | 50 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2212% | 1,450 |
| Return on assets (ROA) | 1.2212% | 1,558 |
| Pretax return on assets | 1.2593% | 1,998 |
| Return on Equity (ROE) | 10.2258% | 1,669 |
| Retained earnings to average equity (ytd only) | -11.2603% | 4,804 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4351% | 413 |
| Assets per employee ($millions) | 1.6967% | 5,046 |
| Cash dividends to net income (ytd only)* | 210.1167% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 3,534 |
| Loan loss allowance to noncurrent loans | 114.1397% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 1,900 |
| Noncurrent loans to loans | 0.9040% | 1,805 |
| Net loans and leases to total assets | 77.2980% | 1,084 |
| Net loans and leases to deposits | 131.4945% | 34 |
| Net loans and leases to core deposits | 140.2685% | 166 |
| Total domestic deposits to total assets | 58.7842% | 5,030 |
| Equity capital to assets | 11.9452% | 2,111 |
| Core capital (leverage) ratio | 10.4712% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7780% | 1,980 |
| Memoranda: | ||
| Average total assets | $84,177,000 | 4,206 |
| Average earning assets | $73,865,500 | 4,261 |
| Average equity | $10,053,000 | 4,234 |
| Average total loans | $66,337,500 | 3,834 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 2,765 |
| Cost of funding earning assets | 1.1046% | 1,304 |
| Net interest margin | 3.4495% | 3,591 |
| Noninterest income to average assets | 7.6832% | 76 |
| Noninterest expense to average assets | 9.5866% | 77 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1221% | 2,362 |
| Return on assets (ROA) | 1.1221% | 2,462 |
| Pretax return on assets | 1.1793% | 2,912 |
| Return on Equity (ROE) | 10.1286% | 2,240 |
| Retained earnings to average equity (ytd only) | 5.9987% | 1,868 |
| Net charge-offs to loans | 0.0138% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 103.1000% | 662 |
| Efficiency ratio | 89.0459% | 391 |
| Assets per employee ($millions) | 1.7391% | 5,101 |
| Cash dividends to net income (ytd only)* | 40.7747% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,581 |
| Loan loss allowance to noncurrent loans | 169.6203% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 2,550 |
| Noncurrent loans to loans | 0.5831% | 2,436 |
| Net loans and leases to total assets | 78.7071% | 979 |
| Net loans and leases to deposits | 139.0591% | 23 |
| Net loans and leases to core deposits | 149.3387% | 120 |
| Total domestic deposits to total assets | 56.5997% | 5,102 |
| Equity capital to assets | 11.9402% | 2,172 |
| Core capital (leverage) ratio | 9.5275% | 4,032 |
| Tier 1 risk-based capital ratio | 14.2963% | 3,123 |
| Total risk-based capital ratio | 15.4263% | 3,087 |
| Memoranda: | ||
| Average total assets | $87,424,400 | 4,177 |
| Average earning assets | $78,128,200 | 4,214 |
| Average equity | $9,685,400 | 4,283 |
| Average total loans | $72,406,600 | 3,729 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 2,772 |
| Cost of funding earning assets | 1.1291% | 1,248 |
| Net interest margin | 3.4567% | 3,713 |
| Noninterest income to average assets | 7.2245% | 77 |
| Noninterest expense to average assets | 9.1310% | 82 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1927% | 2,221 |
| Return on assets (ROA) | 1.1927% | 2,301 |
| Pretax return on assets | 1.1927% | 3,003 |
| Return on Equity (ROE) | 10.9726% | 2,027 |
| Retained earnings to average equity (ytd only) | 5.8140% | 2,454 |
| Net charge-offs to loans | 0.0181% | 2,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 78.7179% | 871 |
| Efficiency ratio | 88.4469% | 375 |
| Assets per employee ($millions) | 2.0322% | 5,157 |
| Cash dividends to net income (ytd only)* | 47.0138% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 4,353 |
| Loan loss allowance to noncurrent loans | 86.7876% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 1,740 |
| Noncurrent loans to loans | 0.9445% | 1,704 |
| Net loans and leases to total assets | 81.4124% | 640 |
| Net loans and leases to deposits | 163.5062% | 10 |
| Net loans and leases to core deposits | 175.2253% | 63 |
| Total domestic deposits to total assets | 49.7916% | 5,203 |
| Equity capital to assets | 10.0445% | 3,972 |
| Core capital (leverage) ratio | 9.2386% | 4,443 |
| Tier 1 risk-based capital ratio | 12.2861% | 4,265 |
| Total risk-based capital ratio | 13.2762% | 4,298 |
| Memoranda: | ||
| Average total assets | $87,976,500 | 4,225 |
| Average earning assets | $78,877,750 | 4,260 |
| Average equity | $9,563,000 | 4,346 |
| Average total loans | $73,573,000 | 3,750 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8059% | 2,042 |
| Cost of funding earning assets | 1.2015% | 992 |
| Net interest margin | 3.6045% | 3,240 |
| Noninterest income to average assets | 5.7092% | 85 |
| Noninterest expense to average assets | 8.3153% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6111% | 4,282 |
| Return on assets (ROA) | 0.6111% | 4,315 |
| Pretax return on assets | 0.6111% | 4,523 |
| Return on Equity (ROE) | 5.4584% | 4,217 |
| Retained earnings to average equity (ytd only) | -1.7628% | 4,894 |
| Net charge-offs to loans | 0.0282% | 2,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 25.7000% | 1,588 |
| Efficiency ratio | 93.1540% | 252 |
| Assets per employee ($millions) | 1.7305% | 5,227 |
| Cash dividends to net income (ytd only)* | 132.2957% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 4,073 |
| Loan loss allowance to noncurrent loans | 161.0577% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 2,298 |
| Noncurrent loans to loans | 0.5609% | 2,586 |
| Net loans and leases to total assets | 84.9510% | 290 |
| Net loans and leases to deposits | 156.1070% | 12 |
| Net loans and leases to core deposits | 161.1802% | 92 |
| Total domestic deposits to total assets | 54.4184% | 5,238 |
| Equity capital to assets | 10.9842% | 3,077 |
| Core capital (leverage) ratio | 9.6781% | 3,954 |
| Tier 1 risk-based capital ratio | 12.2796% | 4,250 |
| Total risk-based capital ratio | 13.3325% | 4,259 |
| Memoranda: | ||
| Average total assets | $84,109,670 | 4,304 |
| Average earning assets | $75,073,670 | 4,351 |
| Average equity | $9,416,670 | 4,381 |
| Average total loans | $70,851,330 | 3,820 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 1,893 |
| Cost of funding earning assets | 1.2846% | 692 |
| Net interest margin | 3.5176% | 3,550 |
| Noninterest income to average assets | 4.0047% | 112 |
| Noninterest expense to average assets | 7.4111% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2750% | 5,222 |
| Return on assets (ROA) | -0.2750% | 5,217 |
| Pretax return on assets | -0.2750% | 5,209 |
| Return on Equity (ROE) | -2.4325% | 5,229 |
| Retained earnings to average equity (ytd only) | -14.1684% | 5,194 |
| Net charge-offs to loans | 0.0578% | 1,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -5.7000% | 2,712 |
| Efficiency ratio | 103.8540% | 137 |
| Assets per employee ($millions) | 1.6643% | 5,290 |
| Cash dividends to net income (ytd only)* | -482.4561% | 5,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,786 |
| Loan loss allowance to noncurrent loans | 971.0145% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 3,907 |
| Noncurrent loans to loans | 0.1017% | 4,283 |
| Net loans and leases to total assets | 82.3720% | 543 |
| Net loans and leases to deposits | 118.6499% | 99 |
| Net loans and leases to core deposits | 122.6936% | 459 |
| Total domestic deposits to total assets | 69.4244% | 5,127 |
| Equity capital to assets | 11.3106% | 2,551 |
| Core capital (leverage) ratio | 9.7153% | 3,901 |
| Tier 1 risk-based capital ratio | 12.2814% | 4,311 |
| Total risk-based capital ratio | 13.3692% | 4,279 |
| Memoranda: | ||
| Average total assets | $82,902,500 | 4,366 |
| Average earning assets | $73,799,500 | 4,422 |
| Average equity | $9,373,000 | 4,415 |
| Average total loans | $69,190,500 | 3,879 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 1,455 |
| Cost of funding earning assets | 1.0513% | 605 |
| Net interest margin | 3.7860% | 2,715 |
| Noninterest income to average assets | 5.3306% | 90 |
| Noninterest expense to average assets | 9.0112% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.2906% | 5,289 |
| Return on assets (ROA) | -0.2906% | 5,286 |
| Pretax return on assets | -0.3047% | 5,283 |
| Return on Equity (ROE) | -2.5562% | 5,281 |
| Retained earnings to average equity (ytd only) | -7.7098% | 5,288 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4993% | 114 |
| Assets per employee ($millions) | 1.7553% | 5,331 |
| Cash dividends to net income (ytd only)* | -201.6129% | 5,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 3,890 |
| Loan loss allowance to noncurrent loans | 149.7797% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 2,358 |
| Noncurrent loans to loans | 0.6437% | 2,378 |
| Net loans and leases to total assets | 82.9110% | 523 |
| Net loans and leases to deposits | 124.6253% | 67 |
| Net loans and leases to core deposits | 132.0261% | 285 |
| Total domestic deposits to total assets | 66.5282% | 5,241 |
| Equity capital to assets | 11.3017% | 2,413 |
| Core capital (leverage) ratio | 9.5324% | 4,085 |
| Tier 1 risk-based capital ratio | 12.2413% | 4,276 |
| Total risk-based capital ratio | 13.2954% | 4,282 |
| Memoranda: | ||
| Average total assets | $85,338,200 | 4,337 |
| Average earning assets | $76,096,800 | 4,376 |
| Average equity | $9,702,000 | 4,348 |
| Average total loans | $71,351,400 | 3,841 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 1,547 |
| Cost of funding earning assets | 0.9510% | 747 |
| Net interest margin | 3.7989% | 2,653 |
| Noninterest income to average assets | 5.4432% | 90 |
| Noninterest expense to average assets | 9.2090% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.3567% | 5,376 |
| Return on assets (ROA) | -0.3567% | 5,373 |
| Pretax return on assets | -0.3753% | 5,368 |
| Return on Equity (ROE) | -3.1326% | 5,373 |
| Retained earnings to average equity (ytd only) | -8.9461% | 5,377 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2489% | 108 |
| Assets per employee ($millions) | 1.6228% | 5,404 |
| Cash dividends to net income (ytd only)* | -185.5861% | 5,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,687 |
| Loan loss allowance to noncurrent loans | 219.3548% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 3,059 |
| Noncurrent loans to loans | 0.4613% | 3,003 |
| Net loans and leases to total assets | 81.9783% | 719 |
| Net loans and leases to deposits | 122.5506% | 85 |
| Net loans and leases to core deposits | 131.2354% | 310 |
| Total domestic deposits to total assets | 66.8934% | 5,308 |
| Equity capital to assets | 11.8054% | 2,030 |
| Core capital (leverage) ratio | 9.9797% | 3,657 |
| Tier 1 risk-based capital ratio | 12.9398% | 3,942 |
| Total risk-based capital ratio | 14.0423% | 3,925 |
| Memoranda: | ||
| Average total assets | $85,609,500 | 4,379 |
| Average earning assets | $76,406,000 | 4,422 |
| Average equity | $9,747,000 | 4,376 |
| Average total loans | $71,555,500 | 3,875 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 1,625 |
| Cost of funding earning assets | 0.9081% | 714 |
| Net interest margin | 3.7478% | 2,759 |
| Noninterest income to average assets | 5.6028% | 90 |
| Noninterest expense to average assets | 9.4100% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.4248% | 5,433 |
| Return on assets (ROA) | -0.4248% | 5,428 |
| Pretax return on assets | -0.4524% | 5,429 |
| Return on Equity (ROE) | -3.7744% | 5,423 |
| Retained earnings to average equity (ytd only) | -12.4452% | 5,440 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0500% | 121 |
| Assets per employee ($millions) | 1.6745% | 5,466 |
| Cash dividends to net income (ytd only)* | -229.7297% | 5,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 4,101 |
| Loan loss allowance to noncurrent loans | 116.4384% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 2,108 |
| Noncurrent loans to loans | 0.8186% | 2,088 |
| Net loans and leases to total assets | 82.7441% | 619 |
| Net loans and leases to deposits | 128.8329% | 49 |
| Net loans and leases to core deposits | 138.1825% | 212 |
| Total domestic deposits to total assets | 64.2259% | 5,411 |
| Equity capital to assets | 11.2943% | 2,368 |
| Core capital (leverage) ratio | 9.4134% | 4,229 |
| Tier 1 risk-based capital ratio | 12.7070% | 4,058 |
| Total risk-based capital ratio | 13.7824% | 4,061 |
| Memoranda: | ||
| Average total assets | $87,099,000 | 4,397 |
| Average earning assets | $77,965,330 | 4,438 |
| Average equity | $9,803,000 | 4,409 |
| Average total loans | $73,008,000 | 3,870 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 1,664 |
| Cost of funding earning assets | 0.8676% | 699 |
| Net interest margin | 3.7036% | 2,781 |
| Noninterest income to average assets | 4.3434% | 108 |
| Noninterest expense to average assets | 9.3962% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.6782% | 5,559 |
| Return on assets (ROA) | -1.6782% | 5,557 |
| Pretax return on assets | -1.7328% | 5,558 |
| Return on Equity (ROE) | -14.9362% | 5,561 |
| Retained earnings to average equity (ytd only) | -32.1392% | 5,556 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.6113% | 59 |
| Assets per employee ($millions) | 1.7622% | 5,526 |
| Cash dividends to net income (ytd only)* | -115.1762% | 5,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 4,131 |
| Loan loss allowance to noncurrent loans | 764.0449% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 4,435 |
| Noncurrent loans to loans | 0.1266% | 4,396 |
| Net loans and leases to total assets | 82.3257% | 624 |
| Net loans and leases to deposits | 127.7256% | 45 |
| Net loans and leases to core deposits | 144.1829% | 175 |
| Total domestic deposits to total assets | 64.4551% | 5,481 |
| Equity capital to assets | 11.1839% | 2,399 |
| Core capital (leverage) ratio | 9.0212% | 4,660 |
| Tier 1 risk-based capital ratio | 11.8563% | 4,644 |
| Total risk-based capital ratio | 12.8832% | 4,674 |
| Memoranda: | ||
| Average total assets | $87,950,000 | 4,431 |
| Average earning assets | $78,842,000 | 4,471 |
| Average equity | $9,882,000 | 4,441 |
| Average total loans | $73,841,500 | 3,883 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 757 |
| Cost of funding earning assets | 0.7503% | 818 |
| Net interest margin | 4.1746% | 1,242 |
| Noninterest income to average assets | 5.7792% | 93 |
| Noninterest expense to average assets | 8.1873% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2539% | 1,351 |
| Return on assets (ROA) | 1.2539% | 1,373 |
| Pretax return on assets | 1.3513% | 2,166 |
| Return on Equity (ROE) | 11.0578% | 1,457 |
| Retained earnings to average equity (ytd only) | 1.9550% | 4,150 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8337% | 654 |
| Assets per employee ($millions) | 1.9851% | 5,571 |
| Cash dividends to net income (ytd only)* | 82.3199% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 4,563 |
| Loan loss allowance to noncurrent loans | 402.3669% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 4,094 |
| Noncurrent loans to loans | 0.2184% | 4,035 |
| Net loans and leases to total assets | 83.9816% | 445 |
| Net loans and leases to deposits | 137.2155% | 27 |
| Net loans and leases to core deposits | 156.5105% | 101 |
| Total domestic deposits to total assets | 61.2042% | 5,577 |
| Equity capital to assets | 11.2841% | 2,376 |
| Core capital (leverage) ratio | 10.2437% | 3,134 |
| Tier 1 risk-based capital ratio | 11.4793% | 4,860 |
| Total risk-based capital ratio | 12.3817% | 4,958 |
| Memoranda: | ||
| Average total assets | $85,253,600 | 4,497 |
| Average earning assets | $76,774,000 | 4,525 |
| Average equity | $9,667,400 | 4,501 |
| Average total loans | $74,703,200 | 3,852 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 594 |
| Cost of funding earning assets | 0.7413% | 793 |
| Net interest margin | 4.2711% | 993 |
| Noninterest income to average assets | 5.6651% | 99 |
| Noninterest expense to average assets | 8.0280% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3820% | 1,130 |
| Return on assets (ROA) | 1.3820% | 1,147 |
| Pretax return on assets | 1.4808% | 1,840 |
| Return on Equity (ROE) | 12.1715% | 1,286 |
| Retained earnings to average equity (ytd only) | -0.1683% | 5,234 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4273% | 725 |
| Assets per employee ($millions) | 1.8038% | 5,650 |
| Cash dividends to net income (ytd only)* | 101.3825% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,532 |
| Loan loss allowance to noncurrent loans | 122.3022% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 2,451 |
| Noncurrent loans to loans | 0.7427% | 2,504 |
| Net loans and leases to total assets | 87.5006% | 175 |
| Net loans and leases to deposits | 126.2732% | 55 |
| Net loans and leases to core deposits | 138.9924% | 212 |
| Total domestic deposits to total assets | 69.2946% | 5,498 |
| Equity capital to assets | 11.9498% | 1,997 |
| Core capital (leverage) ratio | 10.2085% | 3,302 |
| Tier 1 risk-based capital ratio | 10.7845% | 5,346 |
| Total risk-based capital ratio | 11.6525% | 5,421 |
| Memoranda: | ||
| Average total assets | $83,738,500 | 4,564 |
| Average earning assets | $75,358,000 | 4,598 |
| Average equity | $9,508,250 | 4,573 |
| Average total loans | $74,037,250 | 3,900 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 506 |
| Cost of funding earning assets | 0.6940% | 921 |
| Net interest margin | 4.3735% | 736 |
| Noninterest income to average assets | 5.0941% | 113 |
| Noninterest expense to average assets | 7.7778% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1776% | 1,678 |
| Return on assets (ROA) | 1.1776% | 1,711 |
| Pretax return on assets | 1.2759% | 2,478 |
| Return on Equity (ROE) | 10.5584% | 1,809 |
| Retained earnings to average equity (ytd only) | -8.3650% | 5,622 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9073% | 693 |
| Assets per employee ($millions) | 1.9609% | 5,678 |
| Cash dividends to net income (ytd only)* | 179.2261% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 4,677 |
| Loan loss allowance to noncurrent loans | 635.5140% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,523 |
| Noncurrent loans to loans | 0.1402% | 4,557 |
| Net loans and leases to total assets | 89.7330% | 85 |
| Net loans and leases to deposits | 122.3473% | 75 |
| Net loans and leases to core deposits | 132.0546% | 276 |
| Total domestic deposits to total assets | 73.3429% | 5,349 |
| Equity capital to assets | 11.5680% | 2,254 |
| Core capital (leverage) ratio | 10.0556% | 3,467 |
| Tier 1 risk-based capital ratio | 10.0497% | 5,614 |
| Total risk-based capital ratio | 10.8963% | 5,666 |
| Memoranda: | ||
| Average total assets | $83,391,330 | 4,601 |
| Average earning assets | $75,501,000 | 4,622 |
| Average equity | $9,300,670 | 4,623 |
| Average total loans | $73,762,000 | 3,929 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 842 |
| Cost of funding earning assets | 0.6933% | 868 |
| Net interest margin | 4.0583% | 1,324 |
| Noninterest income to average assets | 4.0903% | 141 |
| Noninterest expense to average assets | 7.3414% | 121 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3955% | 4,954 |
| Return on assets (ROA) | 0.3955% | 4,980 |
| Pretax return on assets | 0.4196% | 5,124 |
| Return on Equity (ROE) | 3.6147% | 4,916 |
| Retained earnings to average equity (ytd only) | -32.3121% | 5,796 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5929% | 361 |
| Assets per employee ($millions) | 1.9076% | 5,748 |
| Cash dividends to net income (ytd only)* | 993.9024% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,468 |
| Loan loss allowance to noncurrent loans | 294.3723% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 3,909 |
| Noncurrent loans to loans | 0.3279% | 3,945 |
| Net loans and leases to total assets | 85.0441% | 284 |
| Net loans and leases to deposits | 106.6259% | 301 |
| Net loans and leases to core deposits | 117.4668% | 540 |
| Total domestic deposits to total assets | 79.7594% | 4,669 |
| Equity capital to assets | 10.6147% | 3,050 |
| Core capital (leverage) ratio | 8.8805% | 4,868 |
| Tier 1 risk-based capital ratio | 11.0724% | 5,272 |
| Total risk-based capital ratio | 12.1437% | 5,288 |
| Memoranda: | ||
| Average total assets | $82,927,500 | 4,662 |
| Average earning assets | $75,007,500 | 4,680 |
| Average equity | $9,074,000 | 4,701 |
| Average total loans | $72,472,000 | 3,990 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 544 |
| Cost of funding earning assets | 0.6617% | 996 |
| Net interest margin | 4.3869% | 799 |
| Noninterest income to average assets | 5.9385% | 101 |
| Noninterest expense to average assets | 7.7675% | 110 |
| Loan and lease loss provision to assets | 0.0180% | 4,022 |
| Net operating income to assets | 1.9966% | 319 |
| Return on assets (ROA) | 1.9966% | 336 |
| Pretax return on assets | 2.0972% | 401 |
| Return on Equity (ROE) | 18.4086% | 299 |
| Retained earnings to average equity (ytd only) | 6.1583% | 1,625 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5974% | 1,611 |
| Assets per employee ($millions) | 2.1494% | 5,769 |
| Cash dividends to net income (ytd only)* | 66.5468% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,738 |
| Loan loss allowance to noncurrent loans | 118.4669% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 2,555 |
| Noncurrent loans to loans | 0.7704% | 2,601 |
| Net loans and leases to total assets | 88.0671% | 120 |
| Net loans and leases to deposits | 119.2633% | 96 |
| Net loans and leases to core deposits | 130.9819% | 275 |
| Total domestic deposits to total assets | 73.8426% | 5,453 |
| Equity capital to assets | 11.2625% | 2,360 |
| Core capital (leverage) ratio | 9.2135% | 4,460 |
| Tier 1 risk-based capital ratio | 11.7204% | 4,912 |
| Total risk-based capital ratio | 12.7473% | 4,958 |
| Memoranda: | ||
| Average total assets | $83,540,200 | 4,660 |
| Average earning assets | $75,109,800 | 4,703 |
| Average equity | $9,061,000 | 4,750 |
| Average total loans | $73,065,800 | 3,965 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 636 |
| Cost of funding earning assets | 0.6441% | 1,082 |
| Net interest margin | 4.3240% | 887 |
| Noninterest income to average assets | 5.9806% | 105 |
| Noninterest expense to average assets | 7.6258% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1277% | 280 |
| Return on assets (ROA) | 2.1277% | 291 |
| Pretax return on assets | 2.2363% | 359 |
| Return on Equity (ROE) | 19.8077% | 251 |
| Retained earnings to average equity (ytd only) | 8.7291% | 898 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3243% | 1,790 |
| Assets per employee ($millions) | 2.2273% | 5,824 |
| Cash dividends to net income (ytd only)* | 55.9309% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 4,920 |
| Loan loss allowance to noncurrent loans | 365.3846% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 3,760 |
| Noncurrent loans to loans | 0.2418% | 4,406 |
| Net loans and leases to total assets | 88.1402% | 128 |
| Net loans and leases to deposits | 120.5907% | 108 |
| Net loans and leases to core deposits | 133.0094% | 263 |
| Total domestic deposits to total assets | 73.0904% | 5,513 |
| Equity capital to assets | 11.1993% | 2,799 |
| Core capital (leverage) ratio | 9.2638% | 4,514 |
| Tier 1 risk-based capital ratio | 11.5804% | 5,039 |
| Total risk-based capital ratio | 12.5689% | 5,097 |
| Memoranda: | ||
| Average total assets | $83,468,500 | 4,696 |
| Average earning assets | $74,929,000 | 4,743 |
| Average equity | $8,966,000 | 4,812 |
| Average total loans | $72,706,250 | 4,000 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 751 |
| Cost of funding earning assets | 0.6280% | 1,151 |
| Net interest margin | 4.2564% | 1,008 |
| Noninterest income to average assets | 5.6693% | 107 |
| Noninterest expense to average assets | 7.3762% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0102% | 329 |
| Return on assets (ROA) | 2.0102% | 342 |
| Pretax return on assets | 2.1113% | 460 |
| Return on Equity (ROE) | 18.9881% | 298 |
| Retained earnings to average equity (ytd only) | 2.3877% | 4,360 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7468% | 1,829 |
| Assets per employee ($millions) | 2.2947% | 5,863 |
| Cash dividends to net income (ytd only)* | 87.4251% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 4,916 |
| Loan loss allowance to noncurrent loans | 270.3252% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 3,529 |
| Noncurrent loans to loans | 0.3377% | 4,154 |
| Net loans and leases to total assets | 87.3682% | 178 |
| Net loans and leases to deposits | 117.7063% | 125 |
| Net loans and leases to core deposits | 129.3626% | 312 |
| Total domestic deposits to total assets | 74.2256% | 5,498 |
| Equity capital to assets | 10.8947% | 3,170 |
| Core capital (leverage) ratio | 8.7693% | 5,095 |
| Tier 1 risk-based capital ratio | 10.7626% | 5,544 |
| Total risk-based capital ratio | 11.7419% | 5,589 |
| Memoranda: | ||
| Average total assets | $83,078,330 | 4,741 |
| Average earning assets | $74,523,000 | 4,792 |
| Average equity | $8,795,000 | 4,874 |
| Average total loans | $71,853,000 | 4,045 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 1,093 |
| Cost of funding earning assets | 0.6004% | 1,334 |
| Net interest margin | 4.0798% | 1,394 |
| Noninterest income to average assets | 3.8938% | 156 |
| Noninterest expense to average assets | 6.4576% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0130% | 2,220 |
| Return on assets (ROA) | 1.0130% | 2,336 |
| Pretax return on assets | 1.0899% | 3,131 |
| Return on Equity (ROE) | 9.7095% | 2,111 |
| Retained earnings to average equity (ytd only) | -17.9005% | 5,945 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5598% | 1,017 |
| Assets per employee ($millions) | 2.3313% | 5,916 |
| Cash dividends to net income (ytd only)* | 284.3602% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 4,798 |
| Loan loss allowance to noncurrent loans | 275.9336% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8751% | 2,499 |
| Noncurrent loans to loans | 0.3486% | 4,185 |
| Net loans and leases to total assets | 83.9167% | 380 |
| Net loans and leases to deposits | 107.1433% | 303 |
| Net loans and leases to core deposits | 115.3060% | 619 |
| Total domestic deposits to total assets | 78.3219% | 5,081 |
| Equity capital to assets | 10.4174% | 3,592 |
| Core capital (leverage) ratio | 8.7388% | 5,140 |
| Tier 1 risk-based capital ratio | 10.6870% | 5,667 |
| Total risk-based capital ratio | 11.7299% | 5,674 |
| Memoranda: | ||
| Average total assets | $83,313,000 | 4,777 |
| Average earning assets | $74,612,000 | 4,833 |
| Average equity | $8,692,500 | 4,921 |
| Average total loans | $71,360,000 | 4,081 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 574 |
| Cost of funding earning assets | 0.5965% | 1,385 |
| Net interest margin | 4.4513% | 713 |
| Noninterest income to average assets | 5.4522% | 116 |
| Noninterest expense to average assets | 7.5115% | 122 |
| Loan and lease loss provision to assets | 0.1277% | 1,890 |
| Net operating income to assets | 1.6824% | 597 |
| Return on assets (ROA) | 1.6824% | 614 |
| Pretax return on assets | 1.7693% | 856 |
| Return on Equity (ROE) | 15.3905% | 631 |
| Retained earnings to average equity (ytd only) | 8.4257% | 796 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8371% | 1,697 |
| Assets per employee ($millions) | 2.3620% | 5,946 |
| Cash dividends to net income (ytd only)* | 45.2544% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 5,070 |
| Loan loss allowance to noncurrent loans | 321.2560% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 2,665 |
| Noncurrent loans to loans | 0.2813% | 4,454 |
| Net loans and leases to total assets | 85.7548% | 246 |
| Net loans and leases to deposits | 122.4151% | 86 |
| Net loans and leases to core deposits | 132.4764% | 239 |
| Total domestic deposits to total assets | 70.0525% | 5,895 |
| Equity capital to assets | 10.4490% | 3,424 |
| Core capital (leverage) ratio | 8.9408% | 4,954 |
| Tier 1 risk-based capital ratio | 10.8965% | 5,577 |
| Total risk-based capital ratio | 11.9025% | 5,619 |
| Memoranda: | ||
| Average total assets | $78,280,000 | 4,904 |
| Average earning assets | $69,575,200 | 4,949 |
| Average equity | $8,557,200 | 4,946 |
| Average total loans | $65,978,200 | 4,199 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1318% | 485 |
| Cost of funding earning assets | 0.5988% | 1,413 |
| Net interest margin | 4.5330% | 610 |
| Noninterest income to average assets | 5.5635% | 117 |
| Noninterest expense to average assets | 7.4784% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0089% | 358 |
| Return on assets (ROA) | 2.0089% | 375 |
| Pretax return on assets | 2.1046% | 495 |
| Return on Equity (ROE) | 18.1544% | 392 |
| Retained earnings to average equity (ytd only) | 11.1538% | 453 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0381% | 1,935 |
| Assets per employee ($millions) | 2.3330% | 6,040 |
| Cash dividends to net income (ytd only)* | 38.5616% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 5,435 |
| Loan loss allowance to noncurrent loans | 310.4396% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 2,829 |
| Noncurrent loans to loans | 0.2681% | 4,622 |
| Net loans and leases to total assets | 84.8779% | 314 |
| Net loans and leases to deposits | 115.9294% | 152 |
| Net loans and leases to core deposits | 125.0901% | 352 |
| Total domestic deposits to total assets | 73.2152% | 5,767 |
| Equity capital to assets | 11.1938% | 2,802 |
| Core capital (leverage) ratio | 9.2540% | 4,657 |
| Tier 1 risk-based capital ratio | 11.2379% | 5,531 |
| Total risk-based capital ratio | 12.1208% | 5,645 |
| Memoranda: | ||
| Average total assets | $76,592,000 | 4,992 |
| Average earning assets | $67,915,250 | 5,046 |
| Average equity | $8,475,250 | 5,025 |
| Average total loans | $64,076,750 | 4,300 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 479 |
| Cost of funding earning assets | 0.5971% | 1,435 |
| Net interest margin | 4.5262% | 606 |
| Noninterest income to average assets | 5.5680% | 119 |
| Noninterest expense to average assets | 7.3861% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0824% | 316 |
| Return on assets (ROA) | 2.0824% | 329 |
| Pretax return on assets | 2.1881% | 426 |
| Return on Equity (ROE) | 18.8954% | 343 |
| Retained earnings to average equity (ytd only) | 10.1431% | 636 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1460% | 2,178 |
| Assets per employee ($millions) | 2.2606% | 6,147 |
| Cash dividends to net income (ytd only)* | 46.3198% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 5,396 |
| Loan loss allowance to noncurrent loans | 379.1946% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9823% | 2,563 |
| Noncurrent loans to loans | 0.2302% | 4,851 |
| Net loans and leases to total assets | 83.4754% | 416 |
| Net loans and leases to deposits | 109.3705% | 276 |
| Net loans and leases to core deposits | 117.9173% | 533 |
| Total domestic deposits to total assets | 76.3235% | 5,554 |
| Equity capital to assets | 11.1682% | 2,700 |
| Core capital (leverage) ratio | 8.9728% | 5,008 |
| Tier 1 risk-based capital ratio | 11.7574% | 5,305 |
| Total risk-based capital ratio | 12.7194% | 5,404 |
| Memoranda: | ||
| Average total assets | $75,682,330 | 5,059 |
| Average earning assets | $66,988,330 | 5,131 |
| Average equity | $8,340,670 | 5,089 |
| Average total loans | $62,805,330 | 4,377 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 563 |
| Cost of funding earning assets | 0.5902% | 1,505 |
| Net interest margin | 4.4207% | 700 |
| Noninterest income to average assets | 5.3427% | 120 |
| Noninterest expense to average assets | 6.8821% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.2639% | 209 |
| Return on assets (ROA) | 2.2639% | 220 |
| Pretax return on assets | 2.3704% | 290 |
| Return on Equity (ROE) | 20.6838% | 242 |
| Retained earnings to average equity (ytd only) | 4.8668% | 3,129 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3811% | 2,750 |
| Assets per employee ($millions) | 2.2142% | 6,226 |
| Cash dividends to net income (ytd only)* | 76.4706% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 5,443 |
| Loan loss allowance to noncurrent loans | 856.0606% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.8979% | 2,843 |
| Noncurrent loans to loans | 0.1052% | 5,382 |
| Net loans and leases to total assets | 82.6096% | 407 |
| Net loans and leases to deposits | 109.0401% | 233 |
| Net loans and leases to core deposits | 117.8239% | 460 |
| Total domestic deposits to total assets | 75.7608% | 5,764 |
| Equity capital to assets | 10.9839% | 2,986 |
| Core capital (leverage) ratio | 9.2305% | 4,674 |
| Tier 1 risk-based capital ratio | 11.1425% | 5,742 |
| Total risk-based capital ratio | 12.0949% | 5,805 |
| Memoranda: | ||
| Average total assets | $75,093,000 | 5,130 |
| Average earning assets | $66,415,000 | 5,183 |
| Average equity | $8,219,000 | 5,158 |
| Average total loans | $61,845,500 | 4,435 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5630% | 287 |
| Cost of funding earning assets | 0.6615% | 1,327 |
| Net interest margin | 4.9015% | 354 |
| Noninterest income to average assets | 3.8147% | 152 |
| Noninterest expense to average assets | 6.8217% | 147 |
| Loan and lease loss provision to assets | 0.1223% | 2,144 |
| Net operating income to assets | 1.0494% | 2,165 |
| Return on assets (ROA) | 1.0494% | 2,239 |
| Pretax return on assets | 1.1091% | 3,046 |
| Return on Equity (ROE) | 9.0331% | 2,567 |
| Retained earnings to average equity (ytd only) | 4.1469% | 3,248 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7099% | 1,319 |
| Assets per employee ($millions) | 2.2030% | 6,306 |
| Cash dividends to net income (ytd only)* | 54.0915% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 5,373 |
| Loan loss allowance to noncurrent loans | 856.0606% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 2,946 |
| Noncurrent loans to loans | 0.1083% | 5,464 |
| Net loans and leases to total assets | 80.5976% | 659 |
| Net loans and leases to deposits | 108.6730% | 278 |
| Net loans and leases to core deposits | 117.6803% | 481 |
| Total domestic deposits to total assets | 74.1653% | 5,932 |
| Equity capital to assets | 10.9061% | 3,001 |
| Core capital (leverage) ratio | 9.0115% | 4,983 |
| Tier 1 risk-based capital ratio | 10.9369% | 5,931 |
| Total risk-based capital ratio | 11.8903% | 5,986 |
| Memoranda: | ||
| Average total assets | $68,707,400 | 5,328 |
| Average earning assets | $59,410,400 | 5,406 |
| Average equity | $7,981,800 | 5,206 |
| Average total loans | $53,768,000 | 4,700 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6419% | 252 |
| Cost of funding earning assets | 0.6684% | 1,329 |
| Net interest margin | 4.9736% | 316 |
| Noninterest income to average assets | 3.8217% | 153 |
| Noninterest expense to average assets | 6.7302% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3639% | 1,215 |
| Return on assets (ROA) | 1.3639% | 1,252 |
| Pretax return on assets | 1.3758% | 2,096 |
| Return on Equity (ROE) | 11.5435% | 1,613 |
| Retained earnings to average equity (ytd only) | 6.0825% | 2,358 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0272% | 1,492 |
| Assets per employee ($millions) | 2.0372% | 6,438 |
| Cash dividends to net income (ytd only)* | 47.3067% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 5,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9074% | 1,532 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 79.5675% | 763 |
| Net loans and leases to deposits | 108.8130% | 248 |
| Net loans and leases to core deposits | 111.4858% | 682 |
| Total domestic deposits to total assets | 73.1232% | 6,083 |
| Equity capital to assets | 11.5002% | 2,488 |
| Core capital (leverage) ratio | 9.6835% | 4,105 |
| Tier 1 risk-based capital ratio | 11.5350% | 5,773 |
| Total risk-based capital ratio | 12.3869% | 5,895 |
| Memoranda: | ||
| Average total assets | $67,158,500 | 5,424 |
| Average earning assets | $57,851,000 | 5,516 |
| Average equity | $7,935,000 | 5,256 |
| Average total loans | $51,976,250 | 4,796 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6553% | 242 |
| Cost of funding earning assets | 0.6697% | 1,378 |
| Net interest margin | 4.9856% | 291 |
| Noninterest income to average assets | 3.4024% | 164 |
| Noninterest expense to average assets | 6.4977% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1645% | 1,709 |
| Return on assets (ROA) | 1.1645% | 1,777 |
| Pretax return on assets | 1.1828% | 2,749 |
| Return on Equity (ROE) | 9.7621% | 2,259 |
| Retained earnings to average equity (ytd only) | 3.3900% | 4,045 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6002% | 1,432 |
| Assets per employee ($millions) | 1.9474% | 6,520 |
| Cash dividends to net income (ytd only)* | 65.2742% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 5,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1875% | 1,396 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 77.0434% | 1,046 |
| Net loans and leases to deposits | 99.2253% | 595 |
| Net loans and leases to core deposits | 101.6670% | 1,160 |
| Total domestic deposits to total assets | 77.6449% | 5,698 |
| Equity capital to assets | 11.6991% | 2,239 |
| Core capital (leverage) ratio | 9.4896% | 4,348 |
| Tier 1 risk-based capital ratio | 11.6968% | 5,694 |
| Total risk-based capital ratio | 12.5921% | 5,833 |
| Memoranda: | ||
| Average total assets | $65,777,000 | 5,512 |
| Average earning assets | $56,442,670 | 5,600 |
| Average equity | $7,846,670 | 5,302 |
| Average total loans | $50,230,000 | 4,889 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3125% | 403 |
| Cost of funding earning assets | 0.6659% | 1,469 |
| Net interest margin | 4.6467% | 512 |
| Noninterest income to average assets | 2.6693% | 217 |
| Noninterest expense to average assets | 5.9703% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6379% | 4,006 |
| Return on assets (ROA) | 0.6379% | 4,099 |
| Pretax return on assets | 0.6751% | 4,574 |
| Return on Equity (ROE) | 5.2936% | 4,393 |
| Retained earnings to average equity (ytd only) | -4.2143% | 6,077 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8416% | 1,052 |
| Assets per employee ($millions) | 2.0621% | 6,557 |
| Cash dividends to net income (ytd only)* | 179.6117% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 5,687 |
| Loan loss allowance to noncurrent loans | 707.3529% | 698 |
| Noncurrent assets plus other real estate owned to assets | 2.3156% | 1,413 |
| Noncurrent loans to loans | 0.1350% | 5,703 |
| Net loans and leases to total assets | 75.6240% | 1,046 |
| Net loans and leases to deposits | 103.5848% | 309 |
| Net loans and leases to core deposits | 108.6811% | 645 |
| Total domestic deposits to total assets | 73.0068% | 6,308 |
| Equity capital to assets | 11.7402% | 2,064 |
| Core capital (leverage) ratio | 9.5557% | 4,200 |
| Tier 1 risk-based capital ratio | 11.7416% | 5,790 |
| Total risk-based capital ratio | 12.6722% | 5,908 |
| Memoranda: | ||
| Average total assets | $64,586,000 | 5,609 |
| Average earning assets | $55,265,500 | 5,694 |
| Average equity | $7,783,000 | 5,346 |
| Average total loans | $48,848,500 | 4,973 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 617 |
| Cost of funding earning assets | 0.8018% | 1,201 |
| Net interest margin | 4.4140% | 891 |
| Noninterest income to average assets | 3.9009% | 170 |
| Noninterest expense to average assets | 6.8543% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8465% | 3,057 |
| Return on assets (ROA) | 0.8465% | 3,133 |
| Pretax return on assets | 0.8818% | 3,840 |
| Return on Equity (ROE) | 6.5759% | 3,786 |
| Retained earnings to average equity (ytd only) | 2.9546% | 4,142 |
| Net charge-offs to loans | -0.2375% | 6,643 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6013% | 1,155 |
| Assets per employee ($millions) | 1.9147% | 6,655 |
| Cash dividends to net income (ytd only)* | 55.0696% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 5,478 |
| Loan loss allowance to noncurrent loans | 717.9104% | 694 |
| Noncurrent assets plus other real estate owned to assets | 2.3328% | 1,499 |
| Noncurrent loans to loans | 0.1416% | 5,775 |
| Net loans and leases to total assets | 74.1204% | 1,329 |
| Net loans and leases to deposits | 98.6581% | 556 |
| Net loans and leases to core deposits | 103.5853% | 936 |
| Total domestic deposits to total assets | 75.1286% | 6,181 |
| Equity capital to assets | 12.3748% | 1,577 |
| Core capital (leverage) ratio | 10.7181% | 2,658 |
| Tier 1 risk-based capital ratio | 12.5931% | 5,234 |
| Total risk-based capital ratio | 13.5777% | 5,337 |
| Memoranda: | ||
| Average total assets | $59,422,600 | 5,772 |
| Average earning assets | $51,631,000 | 5,844 |
| Average equity | $7,649,200 | 5,426 |
| Average total loans | $39,152,400 | 5,384 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0142% | 916 |
| Cost of funding earning assets | 0.8461% | 1,069 |
| Net interest margin | 4.1681% | 1,429 |
| Noninterest income to average assets | 4.0673% | 173 |
| Noninterest expense to average assets | 7.0744% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5950% | 4,372 |
| Return on assets (ROA) | 0.5950% | 4,497 |
| Pretax return on assets | 0.6315% | 4,908 |
| Return on Equity (ROE) | 4.5748% | 4,946 |
| Retained earnings to average equity (ytd only) | 0.8588% | 5,633 |
| Net charge-offs to loans | -0.0216% | 6,060 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8047% | 862 |
| Assets per employee ($millions) | 1.7446% | 6,757 |
| Cash dividends to net income (ytd only)* | 81.2265% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 5,834 |
| Loan loss allowance to noncurrent loans | 588.0597% | 773 |
| Noncurrent assets plus other real estate owned to assets | 2.4960% | 1,542 |
| Noncurrent loans to loans | 0.1652% | 5,826 |
| Net loans and leases to total assets | 69.7695% | 2,005 |
| Net loans and leases to deposits | 85.0797% | 1,736 |
| Net loans and leases to core deposits | 89.3474% | 2,036 |
| Total domestic deposits to total assets | 82.0048% | 4,932 |
| Equity capital to assets | 13.2636% | 1,216 |
| Core capital (leverage) ratio | 10.5363% | 2,967 |
| Tier 1 risk-based capital ratio | 14.3509% | 4,185 |
| Total risk-based capital ratio | 15.2974% | 4,341 |
| Memoranda: | ||
| Average total assets | $58,482,000 | 5,860 |
| Average earning assets | $51,053,750 | 5,926 |
| Average equity | $7,606,750 | 5,493 |
| Average total loans | $37,112,000 | 5,511 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 1,396 |
| Cost of funding earning assets | 0.9078% | 864 |
| Net interest margin | 3.8610% | 2,342 |
| Noninterest income to average assets | 4.4977% | 164 |
| Noninterest expense to average assets | 7.3487% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4865% | 4,856 |
| Return on assets (ROA) | 0.4865% | 5,031 |
| Pretax return on assets | 0.5205% | 5,302 |
| Return on Equity (ROE) | 3.7646% | 5,307 |
| Retained earnings to average equity (ytd only) | 0.0263% | 5,837 |
| Net charge-offs to loans | -0.0334% | 6,127 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3852% | 792 |
| Assets per employee ($millions) | 1.7276% | 6,813 |
| Cash dividends to net income (ytd only)* | 99.3007% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 5,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4957% | 1,696 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 59.9200% | 3,669 |
| Net loans and leases to deposits | 72.7436% | 3,347 |
| Net loans and leases to core deposits | 77.1543% | 3,406 |
| Total domestic deposits to total assets | 82.3715% | 4,921 |
| Equity capital to assets | 12.9009% | 1,383 |
| Core capital (leverage) ratio | 10.2752% | 3,129 |
| Tier 1 risk-based capital ratio | 15.4888% | 3,489 |
| Total risk-based capital ratio | 16.5186% | 3,571 |
| Memoranda: | ||
| Average total assets | $58,785,670 | 5,886 |
| Average earning assets | $51,333,330 | 5,957 |
| Average equity | $7,597,000 | 5,541 |
| Average total loans | $35,962,330 | 5,574 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 1,756 |
| Cost of funding earning assets | 0.8971% | 997 |
| Net interest margin | 3.7287% | 2,742 |
| Noninterest income to average assets | 4.4551% | 172 |
| Noninterest expense to average assets | 7.3459% | 137 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3265% | 5,464 |
| Return on assets (ROA) | 0.3265% | 5,595 |
| Pretax return on assets | 0.3605% | 5,679 |
| Return on Equity (ROE) | 2.5242% | 5,766 |
| Retained earnings to average equity (ytd only) | -1.5250% | 6,028 |
| Net charge-offs to loans | -0.0553% | 6,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3222% | 761 |
| Assets per employee ($millions) | 1.7997% | 6,881 |
| Cash dividends to net income (ytd only)* | 160.4167% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,568 |
| Loan loss allowance to noncurrent loans | 1,403.5714% | 349 |
| Noncurrent assets plus other real estate owned to assets | 1.8808% | 2,502 |
| Noncurrent loans to loans | 0.0790% | 6,247 |
| Net loans and leases to total assets | 59.0419% | 3,600 |
| Net loans and leases to deposits | 72.9563% | 3,060 |
| Net loans and leases to core deposits | 77.4045% | 3,141 |
| Total domestic deposits to total assets | 80.9278% | 5,519 |
| Equity capital to assets | 12.7833% | 1,542 |
| Core capital (leverage) ratio | 10.3281% | 2,999 |
| Tier 1 risk-based capital ratio | 15.3426% | 3,627 |
| Total risk-based capital ratio | 16.3652% | 3,716 |
| Memoranda: | ||
| Average total assets | $58,808,500 | 5,939 |
| Average earning assets | $51,278,500 | 6,013 |
| Average equity | $7,606,500 | 5,604 |
| Average total loans | $36,148,000 | 5,612 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7965% | 368 |
| Cost of funding earning assets | 1.0128% | 1,284 |
| Net interest margin | 4.7837% | 557 |
| Noninterest income to average assets | 5.2778% | 136 |
| Noninterest expense to average assets | 8.2119% | 109 |
| Loan and lease loss provision to assets | 0.0341% | 5,459 |
| Net operating income to assets | 1.0088% | 2,298 |
| Return on assets (ROA) | 1.0088% | 2,515 |
| Pretax return on assets | 1.0788% | 3,235 |
| Return on Equity (ROE) | 7.8722% | 3,142 |
| Retained earnings to average equity (ytd only) | 4.2491% | 3,235 |
| Net charge-offs to loans | 0.1020% | 4,647 |
| Credit loss provision to net charge-offs | 48.7805% | 4,728 |
| Earnings coverage of net charge-offs (x) | 15.9024% | 1,621 |
| Efficiency ratio | 88.0652% | 1,236 |
| Assets per employee ($millions) | 1.7645% | 6,953 |
| Cash dividends to net income (ytd only)* | 46.0237% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 5,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.4657% | 1,313 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.5998% | 3,148 |
| Net loans and leases to deposits | 78.0748% | 2,520 |
| Net loans and leases to core deposits | 82.9786% | 2,669 |
| Total domestic deposits to total assets | 80.1793% | 5,610 |
| Equity capital to assets | 13.0884% | 1,396 |
| Core capital (leverage) ratio | 10.5858% | 2,672 |
| Tier 1 risk-based capital ratio | 14.5213% | 4,018 |
| Total risk-based capital ratio | 15.4723% | 4,183 |
| Memoranda: | ||
| Average total assets | $58,585,400 | 5,954 |
| Average earning assets | $49,564,000 | 6,070 |
| Average equity | $7,507,400 | 5,637 |
| Average total loans | $40,176,800 | 5,495 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8752% | 348 |
| Cost of funding earning assets | 1.0376% | 1,356 |
| Net interest margin | 4.8376% | 535 |
| Noninterest income to average assets | 5.1696% | 138 |
| Noninterest expense to average assets | 7.8646% | 112 |
| Loan and lease loss provision to assets | 0.0455% | 5,204 |
| Net operating income to assets | 1.3384% | 1,355 |
| Return on assets (ROA) | 1.3384% | 1,495 |
| Pretax return on assets | 1.3384% | 2,458 |
| Return on Equity (ROE) | 10.5002% | 2,136 |
| Retained earnings to average equity (ytd only) | 6.8100% | 2,228 |
| Net charge-offs to loans | 0.1365% | 4,027 |
| Credit loss provision to net charge-offs | 47.6190% | 4,454 |
| Earnings coverage of net charge-offs (x) | 14.4996% | 1,831 |
| Efficiency ratio | 85.0369% | 1,472 |
| Assets per employee ($millions) | 1.9534% | 7,019 |
| Cash dividends to net income (ytd only)* | 35.1441% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 6,326 |
| Loan loss allowance to noncurrent loans | 152.1569% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 4.6380% | 986 |
| Noncurrent loans to loans | 0.6038% | 5,230 |
| Net loans and leases to total assets | 71.4042% | 1,662 |
| Net loans and leases to deposits | 88.6603% | 1,276 |
| Net loans and leases to core deposits | 94.1564% | 1,571 |
| Total domestic deposits to total assets | 80.5368% | 5,501 |
| Equity capital to assets | 13.1273% | 1,529 |
| Core capital (leverage) ratio | 10.3658% | 3,084 |
| Tier 1 risk-based capital ratio | 13.6953% | 4,758 |
| Total risk-based capital ratio | 14.5827% | 4,965 |
| Memoranda: | ||
| Average total assets | $58,675,000 | 6,020 |
| Average earning assets | $49,472,000 | 6,136 |
| Average equity | $7,479,000 | 5,699 |
| Average total loans | $41,011,500 | 5,521 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0668% | 274 |
| Cost of funding earning assets | 1.0644% | 1,388 |
| Net interest margin | 5.0024% | 401 |
| Noninterest income to average assets | 4.3851% | 159 |
| Noninterest expense to average assets | 7.4618% | 131 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1346% | 1,930 |
| Return on assets (ROA) | 1.1346% | 2,148 |
| Pretax return on assets | 1.1346% | 3,171 |
| Return on Equity (ROE) | 8.9907% | 2,818 |
| Retained earnings to average equity (ytd only) | 5.1568% | 3,184 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8014% | 1,360 |
| Assets per employee ($millions) | 2.1551% | 6,997 |
| Cash dividends to net income (ytd only)* | 42.6426% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 5,988 |
| Loan loss allowance to noncurrent loans | 130.2548% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 5.2683% | 874 |
| Noncurrent loans to loans | 0.8018% | 4,904 |
| Net loans and leases to total assets | 64.2190% | 2,986 |
| Net loans and leases to deposits | 78.8038% | 2,548 |
| Net loans and leases to core deposits | 83.4755% | 2,758 |
| Total domestic deposits to total assets | 81.4922% | 5,302 |
| Equity capital to assets | 12.4325% | 1,856 |
| Core capital (leverage) ratio | 10.0947% | 3,285 |
| Tier 1 risk-based capital ratio | 13.0595% | 5,143 |
| Total risk-based capital ratio | 13.9809% | 5,364 |
| Memoranda: | ||
| Average total assets | $58,699,000 | 6,056 |
| Average earning assets | $49,416,330 | 6,176 |
| Average equity | $7,407,670 | 5,740 |
| Average total loans | $40,604,330 | 5,573 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8230% | 109 |
| Cost of funding earning assets | 1.1413% | 1,210 |
| Net interest margin | 5.6817% | 144 |
| Noninterest income to average assets | 3.7458% | 182 |
| Noninterest expense to average assets | 7.3673% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1265% | 1,963 |
| Return on assets (ROA) | 1.1265% | 2,153 |
| Pretax return on assets | 1.1265% | 3,212 |
| Return on Equity (ROE) | 8.8581% | 2,885 |
| Retained earnings to average equity (ytd only) | 5.3257% | 3,365 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7372% | 1,409 |
| Assets per employee ($millions) | 1.9888% | 7,121 |
| Cash dividends to net income (ytd only)* | 39.8773% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 6,296 |
| Loan loss allowance to noncurrent loans | 128.6164% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 5.0465% | 1,030 |
| Noncurrent loans to loans | 0.7676% | 5,126 |
| Net loans and leases to total assets | 68.7505% | 1,979 |
| Net loans and leases to deposits | 84.3686% | 1,619 |
| Net loans and leases to core deposits | 89.4227% | 1,911 |
| Total domestic deposits to total assets | 81.4883% | 5,468 |
| Equity capital to assets | 12.4177% | 1,779 |
| Core capital (leverage) ratio | 10.0883% | 3,259 |
| Tier 1 risk-based capital ratio | 12.6153% | 5,506 |
| Total risk-based capital ratio | 13.5200% | 5,745 |
| Memoranda: | ||
| Average total assets | $57,877,500 | 6,119 |
| Average earning assets | $48,365,500 | 6,267 |
| Average equity | $7,360,500 | 5,773 |
| Average total loans | $41,326,500 | 5,577 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9572% | 463 |
| Cost of funding earning assets | 1.1325% | 2,448 |
| Net interest margin | 4.8247% | 593 |
| Noninterest income to average assets | 3.3854% | 183 |
| Noninterest expense to average assets | 6.9150% | 144 |
| Loan and lease loss provision to assets | 0.1897% | 4,287 |
| Net operating income to assets | 0.2712% | 5,365 |
| Return on assets (ROA) | 0.2712% | 5,517 |
| Pretax return on assets | 0.2883% | 5,595 |
| Return on Equity (ROE) | 1.9524% | 5,676 |
| Retained earnings to average equity (ytd only) | -1.5974% | 6,105 |
| Net charge-offs to loans | 0.4485% | 3,187 |
| Credit loss provision to net charge-offs | 53.4759% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.3476% | 4,761 |
| Efficiency ratio | 93.5351% | 954 |
| Assets per employee ($millions) | 1.9341% | 7,180 |
| Cash dividends to net income (ytd only)* | 181.8182% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 6,261 |
| Loan loss allowance to noncurrent loans | 67.6033% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 5.7122% | 884 |
| Noncurrent loans to loans | 1.4676% | 3,957 |
| Net loans and leases to total assets | 72.7670% | 1,502 |
| Net loans and leases to deposits | 90.4007% | 1,111 |
| Net loans and leases to core deposits | 96.2550% | 1,472 |
| Total domestic deposits to total assets | 80.4938% | 5,594 |
| Equity capital to assets | 13.0362% | 1,465 |
| Core capital (leverage) ratio | 11.0068% | 2,266 |
| Tier 1 risk-based capital ratio | 12.2260% | 5,665 |
| Total risk-based capital ratio | 13.1181% | 5,904 |
| Memoranda: | ||
| Average total assets | $52,726,200 | 6,274 |
| Average earning assets | $43,795,400 | 6,393 |
| Average equity | $7,324,200 | 5,765 |
| Average total loans | $41,696,800 | 5,609 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9926% | 469 |
| Cost of funding earning assets | 1.1306% | 2,768 |
| Net interest margin | 4.8621% | 554 |
| Noninterest income to average assets | 2.8241% | 231 |
| Noninterest expense to average assets | 6.7378% | 150 |
| Loan and lease loss provision to assets | 0.2570% | 3,447 |
| Net operating income to assets | -0.1259% | 6,308 |
| Return on assets (ROA) | -0.1259% | 6,393 |
| Pretax return on assets | -0.1259% | 6,355 |
| Return on Equity (ROE) | -0.8916% | 6,365 |
| Retained earnings to average equity (ytd only) | -4.4400% | 6,555 |
| Net charge-offs to loans | 0.6058% | 2,434 |
| Credit loss provision to net charge-offs | 52.6316% | 4,979 |
| Earnings coverage of net charge-offs (x) | 0.2684% | 5,398 |
| Efficiency ratio | 98.0920% | 734 |
| Assets per employee ($millions) | 1.7989% | 7,282 |
| Cash dividends to net income (ytd only)* | -397.9642% | 7,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 6,488 |
| Loan loss allowance to noncurrent loans | 67.1074% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 6.2373% | 842 |
| Noncurrent loans to loans | 1.3986% | 4,198 |
| Net loans and leases to total assets | 79.4018% | 573 |
| Net loans and leases to deposits | 98.8238% | 524 |
| Net loans and leases to core deposits | 105.4951% | 893 |
| Total domestic deposits to total assets | 80.3469% | 5,636 |
| Equity capital to assets | 13.3232% | 1,452 |
| Core capital (leverage) ratio | 10.6693% | 2,692 |
| Tier 1 risk-based capital ratio | 12.0708% | 5,849 |
| Total risk-based capital ratio | 12.9656% | 6,092 |
| Memoranda: | ||
| Average total assets | $51,885,250 | 6,364 |
| Average earning assets | $43,163,000 | 6,475 |
| Average equity | $7,327,250 | 5,809 |
| Average total loans | $41,815,000 | 5,655 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0268% | 458 |
| Cost of funding earning assets | 1.1017% | 3,225 |
| Net interest margin | 4.9251% | 459 |
| Noninterest income to average assets | 1.8206% | 410 |
| Noninterest expense to average assets | 5.8877% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0547% | 6,108 |
| Return on assets (ROA) | 0.0547% | 6,189 |
| Pretax return on assets | 0.0547% | 6,177 |
| Return on Equity (ROE) | 0.3798% | 6,219 |
| Retained earnings to average equity (ytd only) | -3.1466% | 6,391 |
| Net charge-offs to loans | 0.5129% | 2,563 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.1321% | 5,201 |
| Efficiency ratio | 99.0796% | 748 |
| Assets per employee ($millions) | 2.0543% | 7,263 |
| Cash dividends to net income (ytd only)* | 928.5714% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 6,488 |
| Loan loss allowance to noncurrent loans | 63.2091% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 5.0547% | 1,208 |
| Noncurrent loans to loans | 1.5157% | 4,152 |
| Net loans and leases to total assets | 78.4999% | 707 |
| Net loans and leases to deposits | 99.1442% | 533 |
| Net loans and leases to core deposits | 101.6207% | 1,199 |
| Total domestic deposits to total assets | 79.1775% | 6,037 |
| Equity capital to assets | 14.2490% | 1,016 |
| Core capital (leverage) ratio | 11.4125% | 1,963 |
| Tier 1 risk-based capital ratio | 12.9130% | 4,988 |
| Total risk-based capital ratio | 13.8115% | 5,259 |
| Memoranda: | ||
| Average total assets | $51,191,670 | 6,443 |
| Average earning assets | $42,842,000 | 6,546 |
| Average equity | $7,373,000 | 5,812 |
| Average total loans | $41,334,670 | 5,741 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0033% | 468 |
| Cost of funding earning assets | 1.0907% | 3,588 |
| Net interest margin | 4.9126% | 445 |
| Noninterest income to average assets | 1.8784% | 398 |
| Noninterest expense to average assets | 6.0186% | 195 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0157% | 6,373 |
| Return on assets (ROA) | -0.0157% | 6,395 |
| Pretax return on assets | -0.0157% | 6,372 |
| Return on Equity (ROE) | -0.1081% | 6,393 |
| Retained earnings to average equity (ytd only) | -3.6214% | 6,374 |
| Net charge-offs to loans | 1.0372% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.0185% | 4,589 |
| Efficiency ratio | 100.2608% | 733 |
| Assets per employee ($millions) | 2.1901% | 7,263 |
| Cash dividends to net income (ytd only)* | -3,250.0000% | 7,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,502 |
| Loan loss allowance to noncurrent loans | 66.1538% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 5.1278% | 1,222 |
| Noncurrent loans to loans | 1.4586% | 4,280 |
| Net loans and leases to total assets | 78.8533% | 638 |
| Net loans and leases to deposits | 100.5035% | 445 |
| Net loans and leases to core deposits | 100.5035% | 1,298 |
| Total domestic deposits to total assets | 78.4583% | 6,304 |
| Equity capital to assets | 14.6232% | 848 |
| Core capital (leverage) ratio | 11.2468% | 2,006 |
| Tier 1 risk-based capital ratio | 12.8320% | 4,956 |
| Total risk-based capital ratio | 13.7104% | 5,279 |
| Memoranda: | ||
| Average total assets | $51,108,500 | 6,492 |
| Average earning assets | $42,910,000 | 6,591 |
| Average equity | $7,400,500 | 5,804 |
| Average total loans | $41,649,000 | 5,775 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1802% | 595 |
| Cost of funding earning assets | 1.2108% | 4,492 |
| Net interest margin | 4.9694% | 463 |
| Noninterest income to average assets | 2.3388% | 308 |
| Noninterest expense to average assets | 5.6084% | 282 |
| Loan and lease loss provision to assets | 0.0731% | 6,419 |
| Net operating income to assets | 0.9052% | 2,362 |
| Return on assets (ROA) | 0.9052% | 2,502 |
| Pretax return on assets | 0.9052% | 3,266 |
| Return on Equity (ROE) | 6.9219% | 3,158 |
| Retained earnings to average equity (ytd only) | 6.4325% | 1,598 |
| Net charge-offs to loans | 0.0681% | 6,118 |
| Credit loss provision to net charge-offs | 133.3333% | 2,930 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,129 |
| Efficiency ratio | 85.1471% | 1,788 |
| Assets per employee ($millions) | 2.2541% | 7,255 |
| Cash dividends to net income (ytd only)* | 7.0707% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,742 |
| Loan loss allowance to noncurrent loans | 32.6961% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 4.6234% | 1,442 |
| Noncurrent loans to loans | 3.5123% | 2,151 |
| Net loans and leases to total assets | 82.3512% | 423 |
| Net loans and leases to deposits | 104.4449% | 381 |
| Net loans and leases to core deposits | 104.4449% | 1,285 |
| Total domestic deposits to total assets | 78.8466% | 6,118 |
| Equity capital to assets | 14.3408% | 945 |
| Core capital (leverage) ratio | 11.1347% | 2,064 |
| Tier 1 risk-based capital ratio | 12.3231% | 5,188 |
| Total risk-based capital ratio | 13.3915% | 5,323 |
| Memoranda: | ||
| Average total assets | $54,685,600 | 6,382 |
| Average earning assets | $46,745,800 | 6,486 |
| Average equity | $7,151,200 | 5,979 |
| Average total loans | $44,058,400 | 5,743 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1331% | 712 |
| Cost of funding earning assets | 1.2345% | 4,661 |
| Net interest margin | 4.8986% | 556 |
| Noninterest income to average assets | 1.6198% | 536 |
| Noninterest expense to average assets | 5.0953% | 350 |
| Loan and lease loss provision to assets | 0.0361% | 6,721 |
| Net operating income to assets | 0.6811% | 3,505 |
| Return on assets (ROA) | 0.6811% | 3,663 |
| Pretax return on assets | 0.6811% | 4,298 |
| Return on Equity (ROE) | 5.3292% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.3292% | 2,750 |
| Net charge-offs to loans | 0.0964% | 5,570 |
| Credit loss provision to net charge-offs | 46.8750% | 5,928 |
| Earnings coverage of net charge-offs (x) | 9.3115% | 2,040 |
| Efficiency ratio | 87.6605% | 1,480 |
| Assets per employee ($millions) | 2.7243% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 6,192 |
| Loan loss allowance to noncurrent loans | 34.1374% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 3.9368% | 1,783 |
| Noncurrent loans to loans | 3.0620% | 2,608 |
| Net loans and leases to total assets | 81.1401% | 602 |
| Net loans and leases to deposits | 100.9107% | 594 |
| Net loans and leases to core deposits | 102.3119% | 1,626 |
| Total domestic deposits to total assets | 80.4078% | 5,578 |
| Equity capital to assets | 13.3410% | 1,428 |
| Core capital (leverage) ratio | 10.6990% | 2,512 |
| Tier 1 risk-based capital ratio | 10.4072% | 6,829 |
| Total risk-based capital ratio | 11.2838% | 7,037 |
| Memoranda: | ||
| Average total assets | $55,395,750 | 6,435 |
| Average earning assets | $47,413,750 | 6,537 |
| Average equity | $7,080,250 | 6,085 |
| Average total loans | $44,275,250 | 5,818 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0929% | 766 |
| Cost of funding earning assets | 1.2816% | 4,640 |
| Net interest margin | 4.8113% | 650 |
| Noninterest income to average assets | 1.1993% | 897 |
| Noninterest expense to average assets | 4.9480% | 390 |
| Loan and lease loss provision to assets | 0.0539% | 6,421 |
| Net operating income to assets | 0.3088% | 5,142 |
| Return on assets (ROA) | 0.3088% | 5,297 |
| Pretax return on assets | 0.3088% | 5,472 |
| Return on Equity (ROE) | 2.4511% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.4511% | 4,591 |
| Net charge-offs to loans | -0.0045% | 7,103 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1711% | 1,111 |
| Assets per employee ($millions) | 2.7561% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,645 |
| Loan loss allowance to noncurrent loans | 29.1618% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 4.5263% | 1,459 |
| Noncurrent loans to loans | 3.9854% | 1,902 |
| Net loans and leases to total assets | 77.2940% | 1,233 |
| Net loans and leases to deposits | 93.4301% | 1,351 |
| Net loans and leases to core deposits | 94.6758% | 2,624 |
| Total domestic deposits to total assets | 82.7292% | 4,681 |
| Equity capital to assets | 12.8479% | 1,632 |
| Core capital (leverage) ratio | 9.9750% | 3,191 |
| Tier 1 risk-based capital ratio | 10.2728% | 6,857 |
| Total risk-based capital ratio | 11.2346% | 7,013 |
| Memoranda: | ||
| Average total assets | $55,699,000 | 6,470 |
| Average earning assets | $47,596,670 | 6,564 |
| Average equity | $7,017,330 | 6,133 |
| Average total loans | $44,141,330 | 5,860 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8520% | 1,320 |
| Cost of funding earning assets | 1.3125% | 4,735 |
| Net interest margin | 4.5395% | 1,068 |
| Noninterest income to average assets | 0.8931% | 1,652 |
| Noninterest expense to average assets | 4.7439% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0286% | 6,223 |
| Return on assets (ROA) | 0.0286% | 6,338 |
| Pretax return on assets | 0.0286% | 6,301 |
| Return on Equity (ROE) | 0.2291% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.2291% | 5,734 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4012% | 861 |
| Assets per employee ($millions) | 2.8554% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 5,999 |
| Loan loss allowance to noncurrent loans | 28.0671% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 4.4303% | 1,532 |
| Noncurrent loans to loans | 3.9206% | 2,020 |
| Net loans and leases to total assets | 76.3304% | 1,475 |
| Net loans and leases to deposits | 91.4297% | 1,692 |
| Net loans and leases to core deposits | 92.5950% | 3,028 |
| Total domestic deposits to total assets | 83.4854% | 4,392 |
| Equity capital to assets | 12.2367% | 1,909 |
| Core capital (leverage) ratio | 9.9573% | 3,220 |
| Tier 1 risk-based capital ratio | 9.7361% | 7,190 |
| Total risk-based capital ratio | 10.6330% | 7,359 |
| Memoranda: | ||
| Average total assets | $55,987,500 | 6,535 |
| Average earning assets | $47,847,000 | 6,633 |
| Average equity | $6,985,000 | 6,193 |
| Average total loans | $44,658,500 | 5,905 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9418% | 303 |
| Cost of funding earning assets | 1.6988% | 4,518 |
| Net interest margin | 5.2430% | 267 |
| Noninterest income to average assets | 2.3249% | 307 |
| Noninterest expense to average assets | 5.6003% | 369 |
| Loan and lease loss provision to assets | 0.2913% | 5,096 |
| Net operating income to assets | 0.8422% | 2,378 |
| Return on assets (ROA) | 0.8590% | 2,388 |
| Pretax return on assets | 0.8590% | 3,057 |
| Return on Equity (ROE) | 7.2019% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.2019% | 900 |
| Net charge-offs to loans | -0.0251% | 7,803 |
| Credit loss provision to net charge-offs | -1,418.1818% | 7,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1669% | 2,455 |
| Assets per employee ($millions) | 3.0482% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 6,029 |
| Loan loss allowance to noncurrent loans | 28.0671% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 4.6657% | 1,367 |
| Noncurrent loans to loans | 3.8195% | 1,954 |
| Net loans and leases to total assets | 81.5721% | 756 |
| Net loans and leases to deposits | 98.5121% | 1,052 |
| Net loans and leases to core deposits | 124.6539% | 1,596 |
| Total domestic deposits to total assets | 82.8042% | 4,613 |
| Equity capital to assets | 12.7251% | 1,628 |
| Core capital (leverage) ratio | 9.9501% | 3,141 |
| Tier 1 risk-based capital ratio | 9.6244% | 7,139 |
| Total risk-based capital ratio | 10.5117% | 7,348 |
| Memoranda: | ||
| Average total assets | $53,551,000 | 6,575 |
| Average earning assets | $45,031,600 | 6,722 |
| Average equity | $6,387,200 | 6,466 |
| Average total loans | $43,764,200 | 5,941 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1715% | 239 |
| Cost of funding earning assets | 1.7877% | 4,436 |
| Net interest margin | 5.3838% | 218 |
| Noninterest income to average assets | 2.1294% | 330 |
| Noninterest expense to average assets | 5.3285% | 399 |
| Loan and lease loss provision to assets | 0.2781% | 4,750 |
| Net operating income to assets | 1.0421% | 1,927 |
| Return on assets (ROA) | 1.0647% | 1,900 |
| Pretax return on assets | 1.0647% | 2,691 |
| Return on Equity (ROE) | 9.0831% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.0831% | 826 |
| Net charge-offs to loans | 0.0922% | 5,761 |
| Credit loss provision to net charge-offs | 370.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 17.5663% | 1,397 |
| Efficiency ratio | 80.1432% | 2,821 |
| Assets per employee ($millions) | 3.0170% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 6,801 |
| Loan loss allowance to noncurrent loans | 42.7653% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 3.7252% | 1,747 |
| Noncurrent loans to loans | 2.0784% | 3,525 |
| Net loans and leases to total assets | 81.9265% | 823 |
| Net loans and leases to deposits | 104.1871% | 754 |
| Net loans and leases to core deposits | 124.0340% | 1,896 |
| Total domestic deposits to total assets | 78.6340% | 5,918 |
| Equity capital to assets | 12.7923% | 1,788 |
| Core capital (leverage) ratio | 9.9809% | 3,309 |
| Tier 1 risk-based capital ratio | 9.6611% | 7,268 |
| Total risk-based capital ratio | 10.4003% | 7,567 |
| Memoranda: | ||
| Average total assets | $53,221,750 | 6,630 |
| Average earning assets | $44,675,750 | 6,790 |
| Average equity | $6,238,500 | 6,580 |
| Average total loans | $43,394,750 | 6,003 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2547% | 224 |
| Cost of funding earning assets | 1.8599% | 4,470 |
| Net interest margin | 5.3948% | 212 |
| Noninterest income to average assets | 2.0356% | 360 |
| Noninterest expense to average assets | 5.3386% | 416 |
| Loan and lease loss provision to assets | 0.1173% | 5,960 |
| Net operating income to assets | 1.1010% | 1,771 |
| Return on assets (ROA) | 1.1351% | 1,731 |
| Pretax return on assets | 1.1351% | 2,519 |
| Return on Equity (ROE) | 9.9961% | 2,025 |
| Retained earnings to average equity (ytd only) | 9.9961% | 736 |
| Net charge-offs to loans | 0.1399% | 4,770 |
| Credit loss provision to net charge-offs | 103.3333% | 4,440 |
| Earnings coverage of net charge-offs (x) | 10.7333% | 1,967 |
| Efficiency ratio | 81.4195% | 2,809 |
| Assets per employee ($millions) | 2.9819% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7281% | 7,361 |
| Loan loss allowance to noncurrent loans | 36.4155% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 3.7281% | 1,645 |
| Noncurrent loans to loans | 1.9995% | 3,524 |
| Net loans and leases to total assets | 81.0318% | 1,131 |
| Net loans and leases to deposits | 103.2597% | 969 |
| Net loans and leases to core deposits | 120.9315% | 2,285 |
| Total domestic deposits to total assets | 78.4737% | 5,959 |
| Equity capital to assets | 11.4301% | 2,582 |
| Core capital (leverage) ratio | 8.5513% | 5,356 |
| Tier 1 risk-based capital ratio | 7.9749% | 7,918 |
| Total risk-based capital ratio | 8.5488% | 7,989 |
| Memoranda: | ||
| Average total assets | $52,860,330 | 6,702 |
| Average earning assets | $44,302,330 | 6,869 |
| Average equity | $6,002,330 | 6,714 |
| Average total loans | $42,896,330 | 6,071 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2211% | 246 |
| Cost of funding earning assets | 1.8485% | 4,885 |
| Net interest margin | 5.3725% | 210 |
| Noninterest income to average assets | 2.3030% | 282 |
| Noninterest expense to average assets | 5.3914% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4108% | 1,115 |
| Return on assets (ROA) | 1.4794% | 1,050 |
| Pretax return on assets | 1.4794% | 1,727 |
| Return on Equity (ROE) | 13.0728% | 1,370 |
| Retained earnings to average equity (ytd only) | 13.0728% | 627 |
| Net charge-offs to loans | -0.0377% | 7,622 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2601% | 2,952 |
| Assets per employee ($millions) | 2.7887% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 7,314 |
| Loan loss allowance to noncurrent loans | 117.5182% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 2.6857% | 2,121 |
| Noncurrent loans to loans | 0.6365% | 5,818 |
| Net loans and leases to total assets | 80.6417% | 1,268 |
| Net loans and leases to deposits | 109.5702% | 636 |
| Net loans and leases to core deposits | 124.9649% | 1,998 |
| Total domestic deposits to total assets | 73.5982% | 6,945 |
| Equity capital to assets | 11.3768% | 2,670 |
| Core capital (leverage) ratio | 8.4499% | 5,628 |
| Tier 1 risk-based capital ratio | 8.1862% | 7,989 |
| Total risk-based capital ratio | 8.7955% | 8,069 |
| Memoranda: | ||
| Average total assets | $52,453,500 | 6,761 |
| Average earning assets | $43,927,000 | 6,937 |
| Average equity | $5,936,000 | 6,793 |
| Average total loans | $42,438,500 | 6,114 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8872% | 1,435 |
| Cost of funding earning assets | 2.7581% | 2,885 |
| Net interest margin | 4.1291% | 2,587 |
| Noninterest income to average assets | 0.4995% | 4,615 |
| Noninterest expense to average assets | 4.2063% | 1,138 |
| Loan and lease loss provision to assets | 1.2487% | 1,145 |
| Net operating income to assets | -1.4306% | 7,435 |
| Return on assets (ROA) | -1.3313% | 7,346 |
| Pretax return on assets | -1.3490% | 7,187 |
| Return on Equity (ROE) | -10.6792% | 7,323 |
| Retained earnings to average equity (ytd only) | -12.8088% | 7,317 |
| Net charge-offs to loans | 1.9589% | 556 |
| Credit loss provision to net charge-offs | 82.0413% | 5,860 |
| Earnings coverage of net charge-offs (x) | -0.1318% | 6,334 |
| Efficiency ratio | 105.0074% | 836 |
| Assets per employee ($millions) | 2.7327% | 6,715 |
| Cash dividends to net income (ytd only)* | -19.9409% | 7,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7603% | 7,246 |
| Loan loss allowance to noncurrent loans | 64.2424% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 4.6608% | 785 |
| Noncurrent loans to loans | 1.1834% | 4,148 |
| Net loans and leases to total assets | 79.9449% | 1,677 |
| Net loans and leases to deposits | 108.9246% | 904 |
| Net loans and leases to core deposits | 126.0867% | 2,157 |
| Total domestic deposits to total assets | 73.3947% | 6,753 |
| Equity capital to assets | 11.2553% | 2,838 |
| Core capital (leverage) ratio | 8.3261% | 5,903 |
| Tier 1 risk-based capital ratio | 8.0655% | 8,077 |
| Total risk-based capital ratio | 8.6864% | 8,161 |
| Memoranda: | ||
| Average total assets | $50,852,000 | 6,743 |
| Average earning assets | $43,181,800 | 6,893 |
| Average equity | $6,339,400 | 6,692 |
| Average total loans | $39,511,800 | 6,189 |