Home > First Bank of Beloit > Performance and Condition Ratios
First Bank of Beloit, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 2,870 |
| Cost of funding earning assets | 1.9026% | 2,455 |
| Net interest margin | 3.2307% | 2,661 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 2.3353% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6503% | 3,099 |
| Return on assets (ROA) | 0.6366% | 3,161 |
| Pretax return on assets | 0.8262% | 2,991 |
| Return on Equity (ROE) | 6.6200% | 3,119 |
| Retained earnings to average equity (ytd only) | 5.2024% | 2,150 |
| Net charge-offs to loans | -0.0029% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 73.4665% | 1,609 |
| Assets per employee ($millions) | 7.9514% | 1,564 |
| Cash dividends to net income (ytd only)* | 21.3675% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 999 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 64.6600% | 2,503 |
| Net loans and leases to deposits | 77.9095% | 2,294 |
| Net loans and leases to core deposits | 80.4486% | 2,747 |
| Total domestic deposits to total assets | 82.9900% | 3,036 |
| Equity capital to assets | 9.8564% | 2,213 |
| Core capital (leverage) ratio | 12.0466% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4471% | 717 |
| Memoranda: | ||
| Average total assets | $110,265,000 | 3,695 |
| Average earning assets | $101,123,000 | 3,690 |
| Average equity | $10,610,400 | 3,711 |
| Average total loans | $68,962,200 | 3,588 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 2,943 |
| Cost of funding earning assets | 1.8488% | 2,600 |
| Net interest margin | 3.2107% | 2,666 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.3454% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6278% | 3,145 |
| Return on assets (ROA) | 0.6048% | 3,236 |
| Pretax return on assets | 0.7915% | 3,066 |
| Return on Equity (ROE) | 6.3200% | 3,236 |
| Retained earnings to average equity (ytd only) | 6.3243% | 1,978 |
| Net charge-offs to loans | -0.0039% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.0812% | 1,580 |
| Assets per employee ($millions) | 7.8033% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,031 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 65.7300% | 2,348 |
| Net loans and leases to deposits | 87.6375% | 1,469 |
| Net loans and leases to core deposits | 90.8635% | 2,083 |
| Total domestic deposits to total assets | 75.0000% | 4,005 |
| Equity capital to assets | 10.3867% | 2,056 |
| Core capital (leverage) ratio | 12.1966% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4256% | 736 |
| Memoranda: | ||
| Average total assets | $110,001,500 | 3,705 |
| Average earning assets | $101,034,500 | 3,706 |
| Average equity | $10,520,000 | 3,729 |
| Average total loans | $67,933,250 | 3,614 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 3,017 |
| Cost of funding earning assets | 1.7934% | 2,641 |
| Net interest margin | 3.1647% | 2,704 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 2.3383% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5848% | 3,223 |
| Return on assets (ROA) | 0.5533% | 3,334 |
| Pretax return on assets | 0.7347% | 3,149 |
| Return on Equity (ROE) | 5.9500% | 3,297 |
| Retained earnings to average equity (ytd only) | 5.9545% | 2,022 |
| Net charge-offs to loans | -0.0030% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.1166% | 1,543 |
| Assets per employee ($millions) | 7.2075% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 918 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.2900% | 2,534 |
| Net loans and leases to deposits | 81.0327% | 2,113 |
| Net loans and leases to core deposits | 83.3263% | 2,578 |
| Total domestic deposits to total assets | 79.3400% | 3,544 |
| Equity capital to assets | 9.6603% | 2,295 |
| Core capital (leverage) ratio | 12.0637% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6248% | 715 |
| Memoranda: | ||
| Average total assets | $110,253,333 | 3,716 |
| Average earning assets | $100,924,667 | 3,720 |
| Average equity | $10,244,333 | 3,746 |
| Average total loans | $66,276,667 | 3,642 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 2,990 |
| Cost of funding earning assets | 1.7306% | 2,689 |
| Net interest margin | 3.1609% | 2,641 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 2.2745% | 2,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6454% | 3,027 |
| Return on assets (ROA) | 0.6539% | 3,025 |
| Pretax return on assets | 0.8264% | 2,860 |
| Return on Equity (ROE) | 7.1800% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.1763% | 1,776 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 73.6047% | 1,781 |
| Assets per employee ($millions) | 6.7479% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 672 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 59.2900% | 2,929 |
| Net loans and leases to deposits | 74.1298% | 2,599 |
| Net loans and leases to core deposits | 76.2062% | 2,963 |
| Total domestic deposits to total assets | 79.9900% | 3,518 |
| Equity capital to assets | 9.4428% | 2,363 |
| Core capital (leverage) ratio | 11.7387% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5343% | 643 |
| Memoranda: | ||
| Average total assets | $111,323,500 | 3,717 |
| Average earning assets | $101,237,000 | 3,738 |
| Average equity | $10,144,500 | 3,767 |
| Average total loans | $64,108,500 | 3,675 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 3,442 |
| Cost of funding earning assets | 1.2315% | 2,724 |
| Net interest margin | 3.0689% | 3,156 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.2933% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5755% | 3,502 |
| Return on assets (ROA) | 0.5050% | 3,653 |
| Pretax return on assets | 0.6473% | 3,538 |
| Return on Equity (ROE) | 5.8000% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.1997% | 2,892 |
| Net charge-offs to loans | -0.0017% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.6906% | 1,275 |
| Assets per employee ($millions) | 7.1676% | 1,963 |
| Cash dividends to net income (ytd only)* | 27.6243% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 587 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 54.0500% | 3,345 |
| Net loans and leases to deposits | 66.4950% | 3,140 |
| Net loans and leases to core deposits | 67.8845% | 3,414 |
| Total domestic deposits to total assets | 81.2900% | 3,258 |
| Equity capital to assets | 8.8018% | 2,827 |
| Core capital (leverage) ratio | 12.1159% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4185% | 656 |
| Memoranda: | ||
| Average total assets | $107,530,600 | 3,758 |
| Average earning assets | $97,851,600 | 3,766 |
| Average equity | $9,357,800 | 3,784 |
| Average total loans | $59,428,200 | 3,717 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 3,350 |
| Cost of funding earning assets | 1.1993% | 2,431 |
| Net interest margin | 3.0668% | 3,207 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3062% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5873% | 3,574 |
| Return on assets (ROA) | 0.4854% | 3,797 |
| Pretax return on assets | 0.6040% | 3,726 |
| Return on Equity (ROE) | 5.6000% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.5955% | 2,749 |
| Net charge-offs to loans | -0.0023% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.9236% | 1,175 |
| Assets per employee ($millions) | 6.3713% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 443 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.1300% | 3,277 |
| Net loans and leases to deposits | 66.1262% | 3,117 |
| Net loans and leases to core deposits | 67.6392% | 3,346 |
| Total domestic deposits to total assets | 83.3600% | 2,943 |
| Equity capital to assets | 8.8934% | 2,481 |
| Core capital (leverage) ratio | 12.2796% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4337% | 522 |
| Memoranda: | ||
| Average total assets | $105,743,000 | 3,790 |
| Average earning assets | $96,166,500 | 3,793 |
| Average equity | $9,173,750 | 3,808 |
| Average total loans | $58,512,000 | 3,734 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 3,446 |
| Cost of funding earning assets | 1.0867% | 2,330 |
| Net interest margin | 3.0363% | 3,339 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.2988% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5486% | 3,701 |
| Return on assets (ROA) | 0.3906% | 4,035 |
| Pretax return on assets | 0.4915% | 3,977 |
| Return on Equity (ROE) | 4.5400% | 3,949 |
| Retained earnings to average equity (ytd only) | 4.5387% | 3,073 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.8750% | 1,102 |
| Assets per employee ($millions) | 6.6935% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 564 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 55.3400% | 3,163 |
| Net loans and leases to deposits | 69.8182% | 2,800 |
| Net loans and leases to core deposits | 70.7610% | 3,081 |
| Total domestic deposits to total assets | 79.2600% | 3,683 |
| Equity capital to assets | 8.7772% | 2,673 |
| Core capital (leverage) ratio | 11.6624% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8859% | 646 |
| Memoranda: | ||
| Average total assets | $107,010,333 | 3,800 |
| Average earning assets | $97,354,667 | 3,801 |
| Average equity | $9,209,667 | 3,824 |
| Average total loans | $58,915,000 | 3,736 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 3,594 |
| Cost of funding earning assets | 0.9205% | 2,308 |
| Net interest margin | 3.0163% | 3,558 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.2399% | 2,985 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5937% | 3,702 |
| Return on assets (ROA) | 0.6058% | 3,639 |
| Pretax return on assets | 0.7516% | 3,558 |
| Return on Equity (ROE) | 7.1100% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.1096% | 2,464 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.2513% | 1,227 |
| Assets per employee ($millions) | 6.7304% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 560 |
| 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 | 53.4600% | 3,236 |
| Net loans and leases to deposits | 67.2590% | 2,831 |
| Net loans and leases to core deposits | 68.4011% | 3,065 |
| Total domestic deposits to total assets | 79.4800% | 3,837 |
| Equity capital to assets | 8.7466% | 2,699 |
| Core capital (leverage) ratio | 11.7522% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3908% | 622 |
| Memoranda: | ||
| Average total assets | $106,967,500 | 3,847 |
| Average earning assets | $97,336,500 | 3,848 |
| Average equity | $9,114,500 | 3,881 |
| Average total loans | $58,185,500 | 3,788 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3209% | 3,535 |
| Cost of funding earning assets | 0.2516% | 3,309 |
| Net interest margin | 3.0693% | 3,264 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.3085% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8591% | 3,118 |
| Return on assets (ROA) | 0.8633% | 3,034 |
| Pretax return on assets | 0.9963% | 3,084 |
| Return on Equity (ROE) | 9.6200% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.0227% | 1,821 |
| Net charge-offs to loans | -0.0096% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.9536% | 1,687 |
| Assets per employee ($millions) | 6.6405% | 2,231 |
| Cash dividends to net income (ytd only)* | 16.6297% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 512 |
| 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 | 53.2700% | 3,259 |
| Net loans and leases to deposits | 61.5781% | 3,229 |
| Net loans and leases to core deposits | 62.0229% | 3,389 |
| Total domestic deposits to total assets | 86.5000% | 2,571 |
| Equity capital to assets | 8.2919% | 2,861 |
| Core capital (leverage) ratio | 11.8594% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3345% | 601 |
| Memoranda: | ||
| Average total assets | $104,482,000 | 3,892 |
| Average earning assets | $93,799,200 | 3,897 |
| Average equity | $9,373,400 | 3,952 |
| Average total loans | $52,214,800 | 3,859 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1979% | 3,444 |
| Cost of funding earning assets | 0.1662% | 3,667 |
| Net interest margin | 3.0317% | 3,136 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.2004% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5621% | 3,934 |
| Return on assets (ROA) | 0.5652% | 3,880 |
| Pretax return on assets | 0.7817% | 3,629 |
| Return on Equity (ROE) | 6.1800% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.1800% | 2,688 |
| Net charge-offs to loans | -0.0079% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.8812% | 1,288 |
| Assets per employee ($millions) | 6.2743% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0928% | 418 |
| 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 | 51.4500% | 3,344 |
| Net loans and leases to deposits | 56.0391% | 3,478 |
| Net loans and leases to core deposits | 56.4414% | 3,605 |
| Total domestic deposits to total assets | 91.8100% | 940 |
| Equity capital to assets | 7.9341% | 2,941 |
| Core capital (leverage) ratio | 11.6578% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9942% | 566 |
| Memoranda: | ||
| Average total assets | $104,040,500 | 3,919 |
| Average earning assets | $93,058,250 | 3,932 |
| Average equity | $9,514,250 | 3,979 |
| Average total loans | $50,843,500 | 3,899 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0605% | 3,402 |
| Cost of funding earning assets | 0.1558% | 3,504 |
| Net interest margin | 2.9047% | 3,155 |
| Noninterest income to average assets | 0.2375% | 3,752 |
| Noninterest expense to average assets | 2.1566% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4438% | 4,016 |
| Return on assets (ROA) | 0.4408% | 3,977 |
| Pretax return on assets | 0.6631% | 3,676 |
| Return on Equity (ROE) | 4.6258% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.6258% | 2,842 |
| Net charge-offs to loans | -0.0120% | 3,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3795% | 1,238 |
| Assets per employee ($millions) | 6.9171% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 48.7649% | 3,485 |
| Net loans and leases to deposits | 53.5005% | 3,566 |
| Net loans and leases to core deposits | 54.4019% | 3,676 |
| Total domestic deposits to total assets | 91.1485% | 1,164 |
| Equity capital to assets | 8.6259% | 2,673 |
| Core capital (leverage) ratio | 11.4116% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6933% | 560 |
| Memoranda: | ||
| Average total assets | $105,257,667 | 3,943 |
| Average earning assets | $93,709,333 | 3,972 |
| Average equity | $10,030,667 | 3,985 |
| Average total loans | $50,207,000 | 3,954 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9644% | 3,360 |
| Cost of funding earning assets | 0.1580% | 3,399 |
| Net interest margin | 2.8063% | 3,116 |
| Noninterest income to average assets | 0.2302% | 3,771 |
| Noninterest expense to average assets | 2.1357% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3948% | 3,962 |
| Return on assets (ROA) | 0.4037% | 3,906 |
| Pretax return on assets | 0.5849% | 3,677 |
| Return on Equity (ROE) | 4.0488% | 3,864 |
| Retained earnings to average equity (ytd only) | 4.0488% | 2,916 |
| Net charge-offs to loans | -0.0162% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8301% | 1,240 |
| Assets per employee ($millions) | 6.8008% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2474% | 406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 47.0298% | 3,484 |
| Net loans and leases to deposits | 52.0754% | 3,564 |
| Net loans and leases to core deposits | 52.8010% | 3,680 |
| Total domestic deposits to total assets | 90.3109% | 1,380 |
| Equity capital to assets | 9.5832% | 2,221 |
| Core capital (leverage) ratio | 10.5008% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3964% | 526 |
| Memoranda: | ||
| Average total assets | $106,008,000 | 3,958 |
| Average earning assets | $93,646,000 | 3,988 |
| Average equity | $10,571,000 | 3,999 |
| Average total loans | $49,460,000 | 3,983 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 2,397 |
| Cost of funding earning assets | 0.1738% | 3,730 |
| Net interest margin | 3.4237% | 1,954 |
| Noninterest income to average assets | 0.2490% | 3,877 |
| Noninterest expense to average assets | 2.3938% | 2,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6911% | 3,651 |
| Return on assets (ROA) | 0.7053% | 3,667 |
| Pretax return on assets | 0.8956% | 3,521 |
| Return on Equity (ROE) | 6.2042% | 3,725 |
| Retained earnings to average equity (ytd only) | 5.6784% | 2,491 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1730% | 1,398 |
| Assets per employee ($millions) | 7.3336% | 1,702 |
| Cash dividends to net income (ytd only)* | 8.4746% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2090% | 446 |
| Loan loss allowance to noncurrent loans | 974.3363% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 3,216 |
| Noncurrent loans to loans | 0.2267% | 2,821 |
| Net loans and leases to total assets | 44.3075% | 3,821 |
| Net loans and leases to deposits | 49.4491% | 3,921 |
| Net loans and leases to core deposits | 50.0910% | 4,012 |
| Total domestic deposits to total assets | 89.6022% | 1,172 |
| Equity capital to assets | 10.3324% | 2,336 |
| Core capital (leverage) ratio | 11.4095% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5600% | 590 |
| Memoranda: | ||
| Average total assets | $100,384,000 | 3,985 |
| Average earning assets | $88,618,800 | 4,037 |
| Average equity | $11,411,600 | 3,989 |
| Average total loans | $49,258,600 | 4,016 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 1,943 |
| Cost of funding earning assets | 0.1777% | 3,845 |
| Net interest margin | 3.6573% | 1,442 |
| Noninterest income to average assets | 0.2504% | 3,893 |
| Noninterest expense to average assets | 2.3351% | 2,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8912% | 3,270 |
| Return on assets (ROA) | 0.9063% | 3,301 |
| Pretax return on assets | 1.1839% | 2,980 |
| Return on Equity (ROE) | 7.7736% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.7736% | 2,126 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7185% | 2,001 |
| Assets per employee ($millions) | 6.4734% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3482% | 359 |
| Loan loss allowance to noncurrent loans | 2,752.5000% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 3,878 |
| Noncurrent loans to loans | 0.0853% | 3,659 |
| Net loans and leases to total assets | 47.1519% | 3,696 |
| Net loans and leases to deposits | 53.7534% | 3,759 |
| Net loans and leases to core deposits | 54.5625% | 3,879 |
| Total domestic deposits to total assets | 87.7190% | 1,997 |
| Equity capital to assets | 11.9257% | 1,432 |
| Core capital (leverage) ratio | 11.7203% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3786% | 508 |
| Memoranda: | ||
| Average total assets | $97,979,000 | 4,054 |
| Average earning assets | $87,056,500 | 4,103 |
| Average equity | $11,423,000 | 4,042 |
| Average total loans | $49,113,000 | 4,076 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 1,052 |
| Cost of funding earning assets | 0.1803% | 3,942 |
| Net interest margin | 4.0914% | 705 |
| Noninterest income to average assets | 0.2422% | 3,946 |
| Noninterest expense to average assets | 2.3120% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2223% | 2,102 |
| Return on assets (ROA) | 1.2354% | 2,130 |
| Pretax return on assets | 1.5488% | 1,879 |
| Return on Equity (ROE) | 10.6766% | 2,537 |
| Retained earnings to average equity (ytd only) | 10.6766% | 1,200 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1376% | 3,006 |
| Assets per employee ($millions) | 6.8899% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 431 |
| Loan loss allowance to noncurrent loans | 2,446.6667% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,943 |
| Noncurrent loans to loans | 0.0897% | 3,731 |
| Net loans and leases to total assets | 50.8765% | 3,462 |
| Net loans and leases to deposits | 58.0138% | 3,544 |
| Net loans and leases to core deposits | 58.8909% | 3,693 |
| Total domestic deposits to total assets | 87.6974% | 1,987 |
| Equity capital to assets | 11.9854% | 1,366 |
| Core capital (leverage) ratio | 12.0023% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5988% | 508 |
| Memoranda: | ||
| Average total assets | $98,271,667 | 4,080 |
| Average earning assets | $86,523,000 | 4,130 |
| Average equity | $11,370,667 | 4,056 |
| Average total loans | $49,855,333 | 4,089 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 943 |
| Cost of funding earning assets | 0.1886% | 4,019 |
| Net interest margin | 4.1806% | 623 |
| Noninterest income to average assets | 0.2420% | 3,947 |
| Noninterest expense to average assets | 2.1658% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3643% | 1,651 |
| Return on assets (ROA) | 1.3834% | 1,695 |
| Pretax return on assets | 1.7665% | 1,365 |
| Return on Equity (ROE) | 12.1680% | 1,963 |
| Retained earnings to average equity (ytd only) | 12.1680% | 1,109 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4180% | 3,616 |
| Assets per employee ($millions) | 6.9043% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 415 |
| Loan loss allowance to noncurrent loans | 1,835.0000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,932 |
| Noncurrent loans to loans | 0.1207% | 3,708 |
| Net loans and leases to total assets | 50.2969% | 3,596 |
| Net loans and leases to deposits | 57.1884% | 3,702 |
| Net loans and leases to core deposits | 58.0481% | 3,830 |
| Total domestic deposits to total assets | 87.9495% | 1,868 |
| Equity capital to assets | 11.6356% | 1,476 |
| Core capital (leverage) ratio | 11.3775% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4397% | 632 |
| Memoranda: | ||
| Average total assets | $99,178,000 | 4,084 |
| Average earning assets | $86,972,500 | 4,134 |
| Average equity | $11,275,500 | 4,079 |
| Average total loans | $49,695,000 | 4,110 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 3,081 |
| Cost of funding earning assets | 0.2648% | 4,318 |
| Net interest margin | 3.6156% | 2,087 |
| Noninterest income to average assets | 0.5255% | 2,526 |
| Noninterest expense to average assets | 2.5404% | 2,717 |
| Loan and lease loss provision to assets | 0.1145% | 2,917 |
| Net operating income to assets | 0.8387% | 2,946 |
| Return on assets (ROA) | 0.8540% | 3,025 |
| Pretax return on assets | 1.0784% | 2,773 |
| Return on Equity (ROE) | 6.7419% | 3,304 |
| Retained earnings to average equity (ytd only) | 4.4825% | 2,546 |
| Net charge-offs to loans | -0.3102% | 4,920 |
| Credit loss provision to net charge-offs | -65.7895% | 3,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4032% | 2,178 |
| Assets per employee ($millions) | 7.2640% | 1,413 |
| Cash dividends to net income (ytd only)* | 33.5121% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2165% | 393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 47.7610% | 3,991 |
| Net loans and leases to deposits | 54.0038% | 4,110 |
| Net loans and leases to core deposits | 54.7686% | 4,219 |
| Total domestic deposits to total assets | 88.4401% | 1,257 |
| Equity capital to assets | 11.1155% | 2,164 |
| Core capital (leverage) ratio | 11.7530% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5599% | 707 |
| Memoranda: | ||
| Average total assets | $87,350,000 | 4,151 |
| Average earning assets | $77,027,000 | 4,202 |
| Average equity | $11,065,200 | 4,069 |
| Average total loans | $48,995,000 | 4,127 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 2,587 |
| Cost of funding earning assets | 0.2889% | 4,354 |
| Net interest margin | 3.8420% | 1,495 |
| Noninterest income to average assets | 0.6383% | 2,031 |
| Noninterest expense to average assets | 2.4959% | 2,869 |
| Loan and lease loss provision to assets | 0.1588% | 2,416 |
| Net operating income to assets | 1.1184% | 1,922 |
| Return on assets (ROA) | 1.1349% | 1,989 |
| Pretax return on assets | 1.4119% | 1,687 |
| Return on Equity (ROE) | 8.6379% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.6379% | 1,098 |
| Net charge-offs to loans | -0.4151% | 4,963 |
| Credit loss provision to net charge-offs | -65.7895% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6837% | 3,124 |
| Assets per employee ($millions) | 6.2921% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 58.7388% | 3,347 |
| Net loans and leases to deposits | 68.1304% | 3,454 |
| Net loans and leases to core deposits | 69.2752% | 3,678 |
| Total domestic deposits to total assets | 86.2152% | 1,977 |
| Equity capital to assets | 13.1127% | 1,132 |
| Core capital (leverage) ratio | 12.6753% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1071% | 664 |
| Memoranda: | ||
| Average total assets | $83,763,500 | 4,203 |
| Average earning assets | $74,299,250 | 4,241 |
| Average equity | $11,005,500 | 4,082 |
| Average total loans | $48,825,750 | 4,155 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 2,128 |
| Cost of funding earning assets | 0.2996% | 4,486 |
| Net interest margin | 4.1290% | 1,059 |
| Noninterest income to average assets | 0.2794% | 3,799 |
| Noninterest expense to average assets | 2.6822% | 2,438 |
| Loan and lease loss provision to assets | 0.2430% | 1,731 |
| Net operating income to assets | 0.8092% | 3,011 |
| Return on assets (ROA) | 0.8309% | 3,053 |
| Pretax return on assets | 1.0301% | 2,930 |
| Return on Equity (ROE) | 6.3195% | 3,391 |
| Retained earnings to average equity (ytd only) | 6.3195% | 1,932 |
| Net charge-offs to loans | -0.0084% | 4,155 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2746% | 2,202 |
| Assets per employee ($millions) | 5.3240% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9418% | 483 |
| Loan loss allowance to noncurrent loans | 1,132.1429% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 4,037 |
| Noncurrent loans to loans | 0.1715% | 3,765 |
| Net loans and leases to total assets | 56.3756% | 3,657 |
| Net loans and leases to deposits | 65.3054% | 3,777 |
| Net loans and leases to core deposits | 66.1647% | 3,963 |
| Total domestic deposits to total assets | 86.3261% | 1,881 |
| Equity capital to assets | 13.1281% | 1,111 |
| Core capital (leverage) ratio | 12.9270% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4618% | 631 |
| Memoranda: | ||
| Average total assets | $82,321,333 | 4,226 |
| Average earning assets | $72,753,000 | 4,263 |
| Average equity | $10,823,667 | 4,113 |
| Average total loans | $47,486,333 | 4,185 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 3,634 |
| Cost of funding earning assets | 0.3211% | 4,592 |
| Net interest margin | 3.7355% | 2,199 |
| Noninterest income to average assets | 0.3066% | 3,679 |
| Noninterest expense to average assets | 2.6901% | 2,737 |
| Loan and lease loss provision to assets | 0.4945% | 597 |
| Net operating income to assets | 0.2199% | 4,495 |
| Return on assets (ROA) | 0.2472% | 4,476 |
| Pretax return on assets | 0.4352% | 4,228 |
| Return on Equity (ROE) | 1.8790% | 4,469 |
| Retained earnings to average equity (ytd only) | 1.8790% | 3,484 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0345% | 1,681 |
| Assets per employee ($millions) | 4.9506% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0319% | 476 |
| Loan loss allowance to noncurrent loans | 300.3165% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 2,854 |
| Noncurrent loans to loans | 0.6766% | 2,301 |
| Net loans and leases to total assets | 57.7674% | 3,690 |
| Net loans and leases to deposits | 67.1426% | 3,784 |
| Net loans and leases to core deposits | 68.0948% | 3,983 |
| Total domestic deposits to total assets | 86.0369% | 1,987 |
| Equity capital to assets | 13.5010% | 1,218 |
| Core capital (leverage) ratio | 13.3389% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0198% | 640 |
| Memoranda: | ||
| Average total assets | $80,890,000 | 4,257 |
| Average earning assets | $70,995,000 | 4,298 |
| Average equity | $10,644,000 | 4,155 |
| Average total loans | $46,742,500 | 4,214 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 3,860 |
| Cost of funding earning assets | 0.3982% | 4,446 |
| Net interest margin | 3.7796% | 2,569 |
| Noninterest income to average assets | 0.2995% | 3,893 |
| Noninterest expense to average assets | 2.7889% | 2,643 |
| Loan and lease loss provision to assets | 0.0648% | 2,732 |
| Net operating income to assets | 0.6527% | 4,010 |
| Return on assets (ROA) | 0.7377% | 3,812 |
| Pretax return on assets | 0.9102% | 3,714 |
| Return on Equity (ROE) | 5.6266% | 4,029 |
| Retained earnings to average equity (ytd only) | 5.6266% | 2,085 |
| Net charge-offs to loans | -0.0045% | 4,329 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2225% | 1,340 |
| Assets per employee ($millions) | 5.1607% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 639 |
| Loan loss allowance to noncurrent loans | 1,248.5294% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 4,229 |
| Noncurrent loans to loans | 0.1454% | 3,945 |
| Net loans and leases to total assets | 55.6249% | 3,947 |
| Net loans and leases to deposits | 64.4767% | 4,049 |
| Net loans and leases to core deposits | 65.0760% | 4,227 |
| Total domestic deposits to total assets | 86.2712% | 1,946 |
| Equity capital to assets | 12.8302% | 1,620 |
| Core capital (leverage) ratio | 13.7787% | 984 |
| Tier 1 risk-based capital ratio | 20.2979% | 1,279 |
| Total risk-based capital ratio | 21.5525% | 1,256 |
| Memoranda: | ||
| Average total assets | $77,128,000 | 4,334 |
| Average earning assets | $68,552,800 | 4,366 |
| Average equity | $10,112,600 | 4,228 |
| Average total loans | $44,247,200 | 4,301 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 3,911 |
| Cost of funding earning assets | 0.4185% | 4,437 |
| Net interest margin | 3.7841% | 2,643 |
| Noninterest income to average assets | 0.3097% | 3,893 |
| Noninterest expense to average assets | 2.8789% | 2,324 |
| Loan and lease loss provision to assets | 0.0880% | 2,152 |
| Net operating income to assets | 0.5978% | 4,296 |
| Return on assets (ROA) | 0.6036% | 4,340 |
| Pretax return on assets | 0.7232% | 4,292 |
| Return on Equity (ROE) | 4.5767% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.5767% | 3,116 |
| Net charge-offs to loans | -0.0061% | 4,257 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1653% | 1,082 |
| Assets per employee ($millions) | 5.0047% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 616 |
| Loan loss allowance to noncurrent loans | 1,117.1053% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 4,208 |
| Noncurrent loans to loans | 0.1652% | 3,950 |
| Net loans and leases to total assets | 60.1577% | 3,662 |
| Net loans and leases to deposits | 70.6833% | 3,716 |
| Net loans and leases to core deposits | 71.4132% | 3,982 |
| Total domestic deposits to total assets | 85.1088% | 2,384 |
| Equity capital to assets | 13.7683% | 1,248 |
| Core capital (leverage) ratio | 13.6245% | 1,100 |
| Tier 1 risk-based capital ratio | 20.6438% | 1,248 |
| Total risk-based capital ratio | 21.8977% | 1,219 |
| Memoranda: | ||
| Average total assets | $75,767,250 | 4,406 |
| Average earning assets | $67,543,500 | 4,434 |
| Average equity | $9,992,250 | 4,287 |
| Average total loans | $43,614,250 | 4,370 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 4,023 |
| Cost of funding earning assets | 0.4168% | 4,444 |
| Net interest margin | 3.7427% | 2,782 |
| Noninterest income to average assets | 0.3079% | 3,872 |
| Noninterest expense to average assets | 2.8395% | 2,442 |
| Loan and lease loss provision to assets | 0.1316% | 1,421 |
| Net operating income to assets | 0.5518% | 4,419 |
| Return on assets (ROA) | 0.5605% | 4,434 |
| Pretax return on assets | 0.6790% | 4,379 |
| Return on Equity (ROE) | 4.3128% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.3128% | 3,098 |
| Net charge-offs to loans | -0.0093% | 4,308 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0188% | 1,150 |
| Assets per employee ($millions) | 4.6406% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9360% | 531 |
| Loan loss allowance to noncurrent loans | 964.7727% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,161 |
| Noncurrent loans to loans | 0.2007% | 3,830 |
| Net loans and leases to total assets | 57.9178% | 3,923 |
| Net loans and leases to deposits | 70.1774% | 3,826 |
| Net loans and leases to core deposits | 70.9333% | 4,068 |
| Total domestic deposits to total assets | 82.5306% | 3,365 |
| Equity capital to assets | 13.7118% | 1,236 |
| Core capital (leverage) ratio | 13.4632% | 1,131 |
| Tier 1 risk-based capital ratio | 21.5743% | 1,110 |
| Total risk-based capital ratio | 22.8311% | 1,085 |
| Memoranda: | ||
| Average total assets | $75,999,330 | 4,436 |
| Average earning assets | $67,651,670 | 4,465 |
| Average equity | $9,877,670 | 4,316 |
| Average total loans | $42,815,670 | 4,426 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 4,198 |
| Cost of funding earning assets | 0.4045% | 4,463 |
| Net interest margin | 3.6696% | 3,009 |
| Noninterest income to average assets | 0.3070% | 3,822 |
| Noninterest expense to average assets | 2.7942% | 2,589 |
| Loan and lease loss provision to assets | 0.2602% | 549 |
| Net operating income to assets | 0.3774% | 4,776 |
| Return on assets (ROA) | 0.3486% | 4,844 |
| Pretax return on assets | 0.4735% | 4,741 |
| Return on Equity (ROE) | 2.7555% | 4,840 |
| Retained earnings to average equity (ytd only) | 2.7555% | 3,835 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3942% | 1,224 |
| Assets per employee ($millions) | 4.7611% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 532 |
| Loan loss allowance to noncurrent loans | 838.6139% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,138 |
| Noncurrent loans to loans | 0.2351% | 3,732 |
| Net loans and leases to total assets | 55.2771% | 4,115 |
| Net loans and leases to deposits | 69.4707% | 3,803 |
| Net loans and leases to core deposits | 70.2226% | 4,074 |
| Total domestic deposits to total assets | 79.5689% | 4,244 |
| Equity capital to assets | 12.9828% | 1,465 |
| Core capital (leverage) ratio | 13.1127% | 1,216 |
| Tier 1 risk-based capital ratio | 20.8932% | 1,177 |
| Total risk-based capital ratio | 22.1491% | 1,155 |
| Memoranda: | ||
| Average total assets | $76,874,000 | 4,471 |
| Average earning assets | $68,236,000 | 4,508 |
| Average equity | $9,726,000 | 4,364 |
| Average total loans | $42,297,000 | 4,485 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 4,350 |
| Cost of funding earning assets | 0.4301% | 3,802 |
| Net interest margin | 3.4361% | 3,892 |
| Noninterest income to average assets | 0.2694% | 4,303 |
| Noninterest expense to average assets | 2.6086% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5350% | 4,583 |
| Return on assets (ROA) | 0.5350% | 4,577 |
| Pretax return on assets | 0.6397% | 4,562 |
| Return on Equity (ROE) | 4.4469% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.3855% | 3,725 |
| Net charge-offs to loans | -0.0176% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3066% | 933 |
| Assets per employee ($millions) | 4.8481% | 2,680 |
| Cash dividends to net income (ytd only)* | 23.8663% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9141% | 556 |
| Loan loss allowance to noncurrent loans | 681.1966% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 4,077 |
| Noncurrent loans to loans | 0.2810% | 3,562 |
| Net loans and leases to total assets | 52.6505% | 4,377 |
| Net loans and leases to deposits | 60.6498% | 4,447 |
| Net loans and leases to core deposits | 61.2879% | 4,571 |
| Total domestic deposits to total assets | 86.8106% | 1,870 |
| Equity capital to assets | 12.3269% | 1,678 |
| Core capital (leverage) ratio | 12.9196% | 1,280 |
| Tier 1 risk-based capital ratio | 21.0641% | 1,148 |
| Total risk-based capital ratio | 22.3196% | 1,131 |
| Memoranda: | ||
| Average total assets | $78,319,200 | 4,454 |
| Average earning assets | $67,897,000 | 4,527 |
| Average equity | $9,422,400 | 4,395 |
| Average total loans | $39,757,800 | 4,559 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,395 |
| Cost of funding earning assets | 0.4143% | 3,759 |
| Net interest margin | 3.4044% | 3,995 |
| Noninterest income to average assets | 0.2514% | 4,470 |
| Noninterest expense to average assets | 2.5866% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5384% | 4,673 |
| Return on assets (ROA) | 0.5384% | 4,681 |
| Pretax return on assets | 0.6097% | 4,714 |
| Return on Equity (ROE) | 4.5024% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.5024% | 3,496 |
| Net charge-offs to loans | -0.0237% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9245% | 870 |
| Assets per employee ($millions) | 4.7761% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 529 |
| Loan loss allowance to noncurrent loans | 565.2482% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 4,015 |
| Noncurrent loans to loans | 0.3460% | 3,416 |
| Net loans and leases to total assets | 52.2835% | 4,471 |
| Net loans and leases to deposits | 61.1862% | 4,483 |
| Net loans and leases to core deposits | 62.1707% | 4,605 |
| Total domestic deposits to total assets | 85.4498% | 2,429 |
| Equity capital to assets | 12.2615% | 1,735 |
| Core capital (leverage) ratio | 12.7394% | 1,400 |
| Tier 1 risk-based capital ratio | 21.3059% | 1,139 |
| Total risk-based capital ratio | 22.5609% | 1,122 |
| Memoranda: | ||
| Average total assets | $78,506,500 | 4,500 |
| Average earning assets | $67,910,250 | 4,573 |
| Average equity | $9,387,500 | 4,441 |
| Average total loans | $39,287,750 | 4,620 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,435 |
| Cost of funding earning assets | 0.4148% | 3,605 |
| Net interest margin | 3.3511% | 4,102 |
| Noninterest income to average assets | 0.2247% | 4,682 |
| Noninterest expense to average assets | 2.5277% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5101% | 4,728 |
| Return on assets (ROA) | 0.5101% | 4,734 |
| Pretax return on assets | 0.5732% | 4,778 |
| Return on Equity (ROE) | 4.3009% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.3009% | 3,452 |
| Net charge-offs to loans | -0.0361% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5147% | 872 |
| Assets per employee ($millions) | 4.8994% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9601% | 556 |
| Loan loss allowance to noncurrent loans | 442.7778% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 3,854 |
| Noncurrent loans to loans | 0.4427% | 3,108 |
| Net loans and leases to total assets | 50.8541% | 4,556 |
| Net loans and leases to deposits | 58.3684% | 4,621 |
| Net loans and leases to core deposits | 59.3309% | 4,734 |
| Total domestic deposits to total assets | 87.1261% | 1,789 |
| Equity capital to assets | 11.9631% | 1,877 |
| Core capital (leverage) ratio | 12.4661% | 1,455 |
| Tier 1 risk-based capital ratio | 20.6926% | 1,220 |
| Total risk-based capital ratio | 21.9472% | 1,195 |
| Memoranda: | ||
| Average total assets | $79,202,670 | 4,527 |
| Average earning assets | $67,977,330 | 4,621 |
| Average equity | $9,393,330 | 4,474 |
| Average total loans | $38,800,000 | 4,676 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 4,394 |
| Cost of funding earning assets | 0.4038% | 3,548 |
| Net interest margin | 3.3316% | 4,099 |
| Noninterest income to average assets | 0.2814% | 4,291 |
| Noninterest expense to average assets | 2.4972% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5427% | 4,599 |
| Return on assets (ROA) | 0.5427% | 4,601 |
| Pretax return on assets | 0.6030% | 4,678 |
| Return on Equity (ROE) | 4.5953% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.5953% | 3,362 |
| Net charge-offs to loans | -0.0528% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5511% | 1,083 |
| Assets per employee ($millions) | 4.8813% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 443 |
| Loan loss allowance to noncurrent loans | 119.3694% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 1,278 |
| Noncurrent loans to loans | 1.7679% | 966 |
| Net loans and leases to total assets | 47.2158% | 4,739 |
| Net loans and leases to deposits | 54.1633% | 4,785 |
| Net loans and leases to core deposits | 55.0561% | 4,876 |
| Total domestic deposits to total assets | 87.1730% | 2,057 |
| Equity capital to assets | 11.9794% | 1,806 |
| Core capital (leverage) ratio | 12.3255% | 1,465 |
| Tier 1 risk-based capital ratio | 21.3799% | 1,144 |
| Total risk-based capital ratio | 22.6357% | 1,117 |
| Memoranda: | ||
| Average total assets | $79,608,500 | 4,579 |
| Average earning assets | $67,355,500 | 4,688 |
| Average equity | $9,401,000 | 4,519 |
| Average total loans | $37,869,000 | 4,753 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5607% | 4,662 |
| Cost of funding earning assets | 0.3811% | 3,418 |
| Net interest margin | 3.1796% | 4,496 |
| Noninterest income to average assets | 0.1775% | 5,066 |
| Noninterest expense to average assets | 2.7482% | 2,958 |
| Loan and lease loss provision to assets | -0.1277% | 5,511 |
| Net operating income to assets | 0.3576% | 4,811 |
| Return on assets (ROA) | 0.3857% | 4,750 |
| Pretax return on assets | 0.3550% | 5,147 |
| Return on Equity (ROE) | 3.2268% | 4,765 |
| Retained earnings to average equity (ytd only) | 3.2268% | 3,366 |
| Net charge-offs to loans | 0.0472% | 2,841 |
| Credit loss provision to net charge-offs | -555.5556% | 4,964 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,881 |
| Efficiency ratio | 93.2409% | 316 |
| Assets per employee ($millions) | 5.0698% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0753% | 464 |
| Loan loss allowance to noncurrent loans | 459.3023% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 2,748 |
| Noncurrent loans to loans | 0.4518% | 3,159 |
| Net loans and leases to total assets | 45.9552% | 4,891 |
| Net loans and leases to deposits | 52.4747% | 4,963 |
| Net loans and leases to core deposits | 53.3031% | 5,026 |
| Total domestic deposits to total assets | 87.5758% | 1,720 |
| Equity capital to assets | 11.6451% | 2,078 |
| Core capital (leverage) ratio | 12.5008% | 1,357 |
| Tier 1 risk-based capital ratio | 20.7544% | 1,183 |
| Total risk-based capital ratio | 22.0089% | 1,157 |
| Memoranda: | ||
| Average total assets | $78,304,400 | 4,623 |
| Average earning assets | $68,216,600 | 4,697 |
| Average equity | $9,359,000 | 4,550 |
| Average total loans | $38,119,200 | 4,786 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5500% | 4,692 |
| Cost of funding earning assets | 0.3757% | 3,416 |
| Net interest margin | 3.1742% | 4,521 |
| Noninterest income to average assets | 0.1220% | 5,390 |
| Noninterest expense to average assets | 2.7851% | 2,779 |
| Loan and lease loss provision to assets | -0.1718% | 5,641 |
| Net operating income to assets | 0.1949% | 5,362 |
| Return on assets (ROA) | 0.2131% | 5,354 |
| Pretax return on assets | 0.3230% | 5,289 |
| Return on Equity (ROE) | 1.7706% | 5,337 |
| Retained earnings to average equity (ytd only) | 1.7706% | 4,718 |
| Net charge-offs to loans | 0.0070% | 3,482 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,168 |
| Earnings coverage of net charge-offs (x) | 35.9551% | 1,399 |
| Efficiency ratio | 95.7472% | 254 |
| Assets per employee ($millions) | 4.7270% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1605% | 433 |
| Loan loss allowance to noncurrent loans | 403.0000% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 2,663 |
| Noncurrent loans to loans | 0.5361% | 3,099 |
| Net loans and leases to total assets | 48.2613% | 4,810 |
| Net loans and leases to deposits | 56.7173% | 4,827 |
| Net loans and leases to core deposits | 57.7164% | 4,924 |
| Total domestic deposits to total assets | 85.0910% | 2,681 |
| Equity capital to assets | 12.5185% | 1,650 |
| Core capital (leverage) ratio | 12.2042% | 1,571 |
| Tier 1 risk-based capital ratio | 21.2524% | 1,151 |
| Total risk-based capital ratio | 22.5093% | 1,134 |
| Memoranda: | ||
| Average total assets | $77,601,500 | 4,679 |
| Average earning assets | $68,130,250 | 4,748 |
| Average equity | $9,337,250 | 4,601 |
| Average total loans | $38,132,250 | 4,837 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 4,736 |
| Cost of funding earning assets | 0.3702% | 3,378 |
| Net interest margin | 3.1421% | 4,567 |
| Noninterest income to average assets | 0.0051% | 5,726 |
| Noninterest expense to average assets | 2.7780% | 2,836 |
| Loan and lease loss provision to assets | -0.2556% | 5,722 |
| Net operating income to assets | 0.1382% | 5,456 |
| Return on assets (ROA) | 0.1431% | 5,457 |
| Pretax return on assets | 0.2453% | 5,395 |
| Return on Equity (ROE) | 1.2051% | 5,445 |
| Retained earnings to average equity (ytd only) | 1.2051% | 4,762 |
| Net charge-offs to loans | 0.0208% | 2,813 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,978 |
| Earnings coverage of net charge-offs (x) | -1.7500% | 3,444 |
| Efficiency ratio | 100.6481% | 179 |
| Assets per employee ($millions) | 4.5799% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1565% | 460 |
| Loan loss allowance to noncurrent loans | 406.0606% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 2,779 |
| Noncurrent loans to loans | 0.5311% | 3,172 |
| Net loans and leases to total assets | 46.8526% | 4,896 |
| Net loans and leases to deposits | 53.9367% | 4,967 |
| Net loans and leases to core deposits | 54.8400% | 5,053 |
| Total domestic deposits to total assets | 86.8660% | 2,005 |
| Equity capital to assets | 12.0975% | 1,864 |
| Core capital (leverage) ratio | 12.0744% | 1,588 |
| Tier 1 risk-based capital ratio | 20.7848% | 1,228 |
| Total risk-based capital ratio | 22.0408% | 1,197 |
| Memoranda: | ||
| Average total assets | $78,258,000 | 4,699 |
| Average earning assets | $68,616,000 | 4,772 |
| Average equity | $9,293,670 | 4,625 |
| Average total loans | $38,407,330 | 4,861 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,591 |
| Cost of funding earning assets | 0.3699% | 3,311 |
| Net interest margin | 3.1645% | 4,453 |
| Noninterest income to average assets | 0.1377% | 5,422 |
| Noninterest expense to average assets | 2.7735% | 2,876 |
| Loan and lease loss provision to assets | -0.5098% | 5,831 |
| Net operating income to assets | 0.5098% | 4,558 |
| Return on assets (ROA) | 0.5098% | 4,588 |
| Pretax return on assets | 0.6220% | 4,678 |
| Return on Equity (ROE) | 4.3332% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.3332% | 3,258 |
| Net charge-offs to loans | 0.0411% | 2,004 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,290 |
| Efficiency ratio | 96.1131% | 317 |
| Assets per employee ($millions) | 4.5081% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0891% | 568 |
| Loan loss allowance to noncurrent loans | 377.4648% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 2,472 |
| Noncurrent loans to loans | 0.5535% | 3,152 |
| Net loans and leases to total assets | 49.1675% | 4,738 |
| Net loans and leases to deposits | 56.5450% | 4,783 |
| Net loans and leases to core deposits | 57.2503% | 4,913 |
| Total domestic deposits to total assets | 86.9529% | 2,241 |
| Equity capital to assets | 12.1650% | 1,730 |
| Core capital (leverage) ratio | 12.0422% | 1,599 |
| Tier 1 risk-based capital ratio | 20.4832% | 1,299 |
| Total risk-based capital ratio | 21.7392% | 1,270 |
| Memoranda: | ||
| Average total assets | $78,457,500 | 4,744 |
| Average earning assets | $68,131,000 | 4,827 |
| Average equity | $9,231,000 | 4,672 |
| Average total loans | $38,969,500 | 4,888 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5820% | 4,563 |
| Cost of funding earning assets | 0.3455% | 3,576 |
| Net interest margin | 3.2365% | 4,339 |
| Noninterest income to average assets | 0.3149% | 4,481 |
| Noninterest expense to average assets | 2.7844% | 3,073 |
| Loan and lease loss provision to assets | 0.1860% | 1,268 |
| Net operating income to assets | 0.2169% | 5,388 |
| Return on assets (ROA) | 0.2777% | 5,335 |
| Pretax return on assets | 0.2504% | 5,429 |
| Return on Equity (ROE) | 2.4192% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.4192% | 4,146 |
| Net charge-offs to loans | -0.0202% | 5,129 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1130% | 667 |
| Assets per employee ($millions) | 4.7222% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3014% | 401 |
| Loan loss allowance to noncurrent loans | 386.3830% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 2,463 |
| Noncurrent loans to loans | 0.5956% | 3,068 |
| Net loans and leases to total assets | 48.0162% | 4,896 |
| Net loans and leases to deposits | 54.6814% | 4,979 |
| Net loans and leases to core deposits | 55.3297% | 5,080 |
| Total domestic deposits to total assets | 87.8110% | 1,735 |
| Equity capital to assets | 11.3843% | 2,258 |
| Core capital (leverage) ratio | 12.1974% | 1,476 |
| Tier 1 risk-based capital ratio | 19.5862% | 1,457 |
| Total risk-based capital ratio | 20.8445% | 1,415 |
| Memoranda: | ||
| Average total assets | $80,663,800 | 4,725 |
| Average earning assets | $70,910,400 | 4,782 |
| Average equity | $9,259,200 | 4,698 |
| Average total loans | $44,473,000 | 4,733 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6104% | 4,523 |
| Cost of funding earning assets | 0.3446% | 3,600 |
| Net interest margin | 3.2658% | 4,290 |
| Noninterest income to average assets | 0.3269% | 4,441 |
| Noninterest expense to average assets | 2.8016% | 3,005 |
| Loan and lease loss provision to assets | 0.2476% | 767 |
| Net operating income to assets | 0.0636% | 5,668 |
| Return on assets (ROA) | 0.0974% | 5,677 |
| Pretax return on assets | 0.2097% | 5,554 |
| Return on Equity (ROE) | 0.8468% | 5,657 |
| Retained earnings to average equity (ytd only) | 0.8468% | 5,128 |
| Net charge-offs to loans | -0.0262% | 5,103 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3841% | 712 |
| Assets per employee ($millions) | 4.4027% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1115% | 594 |
| Loan loss allowance to noncurrent loans | 409.0090% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 2,545 |
| Noncurrent loans to loans | 0.5163% | 3,451 |
| Net loans and leases to total assets | 56.2408% | 4,284 |
| Net loans and leases to deposits | 65.3552% | 4,395 |
| Net loans and leases to core deposits | 66.2001% | 4,595 |
| Total domestic deposits to total assets | 86.0540% | 2,323 |
| Equity capital to assets | 12.5110% | 1,775 |
| Core capital (leverage) ratio | 11.0245% | 2,428 |
| Tier 1 risk-based capital ratio | 18.3573% | 1,816 |
| Total risk-based capital ratio | 19.6144% | 1,781 |
| Memoranda: | ||
| Average total assets | $80,760,500 | 4,760 |
| Average earning assets | $71,200,750 | 4,813 |
| Average equity | $9,289,250 | 4,745 |
| Average total loans | $45,727,750 | 4,737 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5620% | 4,703 |
| Cost of funding earning assets | 0.3411% | 3,669 |
| Net interest margin | 3.2210% | 4,483 |
| Noninterest income to average assets | 0.3141% | 4,530 |
| Noninterest expense to average assets | 2.7639% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2894% | 5,353 |
| Return on assets (ROA) | 0.3262% | 5,331 |
| Pretax return on assets | 0.4276% | 5,288 |
| Return on Equity (ROE) | 2.8988% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.8988% | 4,063 |
| Net charge-offs to loans | -0.0043% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9324% | 727 |
| Assets per employee ($millions) | 4.8650% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,531 |
| Loan loss allowance to noncurrent loans | 320.5128% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 2,785 |
| Noncurrent loans to loans | 0.4990% | 3,584 |
| Net loans and leases to total assets | 55.7959% | 4,334 |
| Net loans and leases to deposits | 69.0188% | 4,083 |
| Net loans and leases to core deposits | 69.8779% | 4,335 |
| Total domestic deposits to total assets | 80.8415% | 4,320 |
| Equity capital to assets | 11.4612% | 2,583 |
| Core capital (leverage) ratio | 11.4049% | 2,060 |
| Tier 1 risk-based capital ratio | 16.7006% | 2,350 |
| Total risk-based capital ratio | 17.9513% | 2,305 |
| Memoranda: | ||
| Average total assets | $82,782,000 | 4,748 |
| Average earning assets | $72,711,000 | 4,827 |
| Average equity | $9,314,330 | 4,774 |
| Average total loans | $46,636,330 | 4,752 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 4,365 |
| Cost of funding earning assets | 0.3515% | 3,586 |
| Net interest margin | 3.3367% | 4,089 |
| Noninterest income to average assets | 0.3284% | 4,380 |
| Noninterest expense to average assets | 2.8109% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3519% | 5,142 |
| Return on assets (ROA) | 0.3477% | 5,246 |
| Pretax return on assets | 0.4009% | 5,311 |
| Return on Equity (ROE) | 3.1196% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.1196% | 3,960 |
| Net charge-offs to loans | -0.0086% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3874% | 859 |
| Assets per employee ($millions) | 4.7136% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 1,598 |
| Loan loss allowance to noncurrent loans | 288.4615% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 2,718 |
| Noncurrent loans to loans | 0.5557% | 3,520 |
| Net loans and leases to total assets | 57.4522% | 4,097 |
| Net loans and leases to deposits | 72.4194% | 3,612 |
| Net loans and leases to core deposits | 73.4196% | 3,946 |
| Total domestic deposits to total assets | 79.3326% | 4,889 |
| Equity capital to assets | 11.6235% | 2,316 |
| Core capital (leverage) ratio | 11.2020% | 2,221 |
| Tier 1 risk-based capital ratio | 16.7400% | 2,382 |
| Total risk-based capital ratio | 17.9912% | 2,330 |
| Memoranda: | ||
| Average total assets | $82,820,500 | 4,791 |
| Average earning assets | $71,688,500 | 4,880 |
| Average equity | $9,232,000 | 4,807 |
| Average total loans | $46,506,500 | 4,786 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 3,859 |
| Cost of funding earning assets | 0.3421% | 3,777 |
| Net interest margin | 3.5134% | 3,475 |
| Noninterest income to average assets | 0.2959% | 4,767 |
| Noninterest expense to average assets | 2.5923% | 3,951 |
| Loan and lease loss provision to assets | 0.0609% | 3,086 |
| Net operating income to assets | 0.5283% | 4,590 |
| Return on assets (ROA) | 0.5370% | 4,639 |
| Pretax return on assets | 0.6039% | 4,826 |
| Return on Equity (ROE) | 4.9245% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.9245% | 2,474 |
| Net charge-offs to loans | -0.1066% | 5,795 |
| Credit loss provision to net charge-offs | -104.1667% | 5,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8275% | 1,700 |
| Assets per employee ($millions) | 5.0300% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 1,547 |
| Loan loss allowance to noncurrent loans | 285.8779% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 2,845 |
| Noncurrent loans to loans | 0.5668% | 3,475 |
| Net loans and leases to total assets | 53.1833% | 4,575 |
| Net loans and leases to deposits | 62.8839% | 4,555 |
| Net loans and leases to core deposits | 63.6460% | 4,755 |
| Total domestic deposits to total assets | 84.5737% | 3,258 |
| Equity capital to assets | 10.7005% | 3,138 |
| Core capital (leverage) ratio | 11.2441% | 2,162 |
| Tier 1 risk-based capital ratio | 16.3648% | 2,542 |
| Total risk-based capital ratio | 17.6157% | 2,501 |
| Memoranda: | ||
| Average total assets | $82,129,000 | 4,823 |
| Average earning assets | $68,992,600 | 4,959 |
| Average equity | $8,955,200 | 4,861 |
| Average total loans | $45,023,400 | 4,830 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8863% | 3,784 |
| Cost of funding earning assets | 0.3450% | 3,809 |
| Net interest margin | 3.5414% | 3,379 |
| Noninterest income to average assets | 0.3264% | 4,602 |
| Noninterest expense to average assets | 2.5507% | 4,046 |
| Loan and lease loss provision to assets | 0.0820% | 2,532 |
| Net operating income to assets | 0.5454% | 4,609 |
| Return on assets (ROA) | 0.5561% | 4,664 |
| Pretax return on assets | 0.6873% | 4,722 |
| Return on Equity (ROE) | 5.0748% | 4,591 |
| Retained earnings to average equity (ytd only) | 5.0748% | 2,861 |
| Net charge-offs to loans | -0.1431% | 5,910 |
| Credit loss provision to net charge-offs | -104.1667% | 5,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1329% | 2,069 |
| Assets per employee ($millions) | 4.9161% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 1,699 |
| Loan loss allowance to noncurrent loans | 277.4074% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 2,771 |
| Noncurrent loans to loans | 0.5855% | 3,576 |
| Net loans and leases to total assets | 57.6737% | 4,178 |
| Net loans and leases to deposits | 69.4185% | 4,051 |
| Net loans and leases to core deposits | 70.3519% | 4,342 |
| Total domestic deposits to total assets | 83.0812% | 3,789 |
| Equity capital to assets | 11.5614% | 2,454 |
| Core capital (leverage) ratio | 11.3072% | 2,187 |
| Tier 1 risk-based capital ratio | 16.5321% | 2,555 |
| Total risk-based capital ratio | 17.7845% | 2,517 |
| Memoranda: | ||
| Average total assets | $81,283,750 | 4,897 |
| Average earning assets | $68,409,000 | 5,032 |
| Average equity | $8,906,500 | 4,931 |
| Average total loans | $44,722,750 | 4,892 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 3,801 |
| Cost of funding earning assets | 0.3518% | 3,786 |
| Net interest margin | 3.5178% | 3,427 |
| Noninterest income to average assets | 0.3189% | 4,679 |
| Noninterest expense to average assets | 2.3832% | 4,606 |
| Loan and lease loss provision to assets | 0.1217% | 1,813 |
| Net operating income to assets | 0.5747% | 4,449 |
| Return on assets (ROA) | 0.5842% | 4,512 |
| Pretax return on assets | 0.7473% | 4,502 |
| Return on Equity (ROE) | 5.4274% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.4274% | 2,580 |
| Net charge-offs to loans | -0.0136% | 5,027 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5537% | 2,743 |
| Assets per employee ($millions) | 4.9905% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 2,191 |
| Loan loss allowance to noncurrent loans | 248.7633% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7965% | 2,995 |
| Noncurrent loans to loans | 0.6127% | 3,631 |
| Net loans and leases to total assets | 56.9670% | 4,226 |
| Net loans and leases to deposits | 66.2892% | 4,311 |
| Net loans and leases to core deposits | 67.4391% | 4,537 |
| Total domestic deposits to total assets | 85.9370% | 2,718 |
| Equity capital to assets | 11.1687% | 2,698 |
| Core capital (leverage) ratio | 10.9408% | 2,487 |
| Tier 1 risk-based capital ratio | 16.2324% | 2,741 |
| Total risk-based capital ratio | 17.4830% | 2,696 |
| Memoranda: | ||
| Average total assets | $82,159,000 | 4,931 |
| Average earning assets | $68,224,670 | 5,089 |
| Average equity | $8,844,000 | 4,975 |
| Average total loans | $44,259,000 | 4,941 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 3,936 |
| Cost of funding earning assets | 0.3575% | 3,779 |
| Net interest margin | 3.4614% | 3,576 |
| Noninterest income to average assets | 0.3217% | 4,616 |
| Noninterest expense to average assets | 2.3285% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6877% | 3,859 |
| Return on assets (ROA) | 0.6962% | 3,947 |
| Pretax return on assets | 0.7922% | 4,272 |
| Return on Equity (ROE) | 6.5857% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.5857% | 2,199 |
| Net charge-offs to loans | -0.0092% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8457% | 2,681 |
| Assets per employee ($millions) | 5.0793% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 2,573 |
| Loan loss allowance to noncurrent loans | 196.3855% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 2,958 |
| Noncurrent loans to loans | 0.7491% | 3,389 |
| Net loans and leases to total assets | 53.7290% | 4,480 |
| Net loans and leases to deposits | 62.2621% | 4,552 |
| Net loans and leases to core deposits | 63.3147% | 4,759 |
| Total domestic deposits to total assets | 86.2949% | 2,771 |
| Equity capital to assets | 10.9525% | 3,024 |
| Core capital (leverage) ratio | 10.5728% | 2,878 |
| Tier 1 risk-based capital ratio | 16.4615% | 2,700 |
| Total risk-based capital ratio | 17.6871% | 2,653 |
| Memoranda: | ||
| Average total assets | $83,314,500 | 4,955 |
| Average earning assets | $67,140,000 | 5,167 |
| Average equity | $8,807,000 | 5,032 |
| Average total loans | $43,293,000 | 5,008 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,905 |
| Cost of funding earning assets | 0.3818% | 3,888 |
| Net interest margin | 3.5722% | 3,510 |
| Noninterest income to average assets | 0.2570% | 5,293 |
| Noninterest expense to average assets | 2.5297% | 4,454 |
| Loan and lease loss provision to assets | 0.1927% | 1,327 |
| Net operating income to assets | 0.4152% | 5,177 |
| Return on assets (ROA) | 0.4253% | 5,205 |
| Pretax return on assets | 0.4908% | 5,276 |
| Return on Equity (ROE) | 3.8697% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.2852% | 3,893 |
| Net charge-offs to loans | 0.4548% | 923 |
| Credit loss provision to net charge-offs | 76.9231% | 2,926 |
| Earnings coverage of net charge-offs (x) | 2.6821% | 4,087 |
| Efficiency ratio | 79.0128% | 2,064 |
| Assets per employee ($millions) | 5.3406% | 1,911 |
| Cash dividends to net income (ytd only)* | 15.1057% | 3,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 3,282 |
| Loan loss allowance to noncurrent loans | 163.0814% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 3,145 |
| Noncurrent loans to loans | 0.8138% | 3,284 |
| Net loans and leases to total assets | 48.8098% | 5,090 |
| Net loans and leases to deposits | 55.8303% | 5,195 |
| Net loans and leases to core deposits | 56.7139% | 5,335 |
| Total domestic deposits to total assets | 87.4254% | 2,071 |
| Equity capital to assets | 10.3019% | 3,717 |
| Core capital (leverage) ratio | 11.1448% | 2,266 |
| Tier 1 risk-based capital ratio | 16.7099% | 2,638 |
| Total risk-based capital ratio | 17.7873% | 2,643 |
| Memoranda: | ||
| Average total assets | $77,834,400 | 5,114 |
| Average earning assets | $64,161,400 | 5,274 |
| Average equity | $8,553,600 | 5,073 |
| Average total loans | $42,877,800 | 5,075 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,814 |
| Cost of funding earning assets | 0.3879% | 3,926 |
| Net interest margin | 3.5979% | 3,433 |
| Noninterest income to average assets | 0.3670% | 4,489 |
| Noninterest expense to average assets | 2.6164% | 4,146 |
| Loan and lease loss provision to assets | 0.2634% | 808 |
| Net operating income to assets | 0.2776% | 5,661 |
| Return on assets (ROA) | 0.2810% | 5,712 |
| Pretax return on assets | 0.5215% | 5,262 |
| Return on Equity (ROE) | 2.5124% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.7272% | 5,185 |
| Net charge-offs to loans | 0.6042% | 612 |
| Credit loss provision to net charge-offs | 76.9231% | 2,655 |
| Earnings coverage of net charge-offs (x) | 2.2770% | 3,955 |
| Efficiency ratio | 77.0424% | 2,347 |
| Assets per employee ($millions) | 4.6289% | 2,763 |
| Cash dividends to net income (ytd only)* | 31.2521% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 3,486 |
| Loan loss allowance to noncurrent loans | 83.9820% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.4015% | 2,203 |
| Noncurrent loans to loans | 1.5874% | 2,047 |
| Net loans and leases to total assets | 56.0617% | 4,326 |
| Net loans and leases to deposits | 65.4245% | 4,393 |
| Net loans and leases to core deposits | 66.6426% | 4,648 |
| Total domestic deposits to total assets | 85.6892% | 3,021 |
| Equity capital to assets | 11.6428% | 2,366 |
| Core capital (leverage) ratio | 11.4908% | 2,074 |
| Tier 1 risk-based capital ratio | 17.0528% | 2,599 |
| Total risk-based capital ratio | 18.1744% | 2,595 |
| Memoranda: | ||
| Average total assets | $75,930,500 | 5,209 |
| Average earning assets | $63,924,750 | 5,339 |
| Average equity | $8,491,250 | 5,133 |
| Average total loans | $43,030,000 | 5,124 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 4,052 |
| Cost of funding earning assets | 0.3954% | 3,909 |
| Net interest margin | 3.5243% | 3,683 |
| Noninterest income to average assets | 0.3684% | 4,495 |
| Noninterest expense to average assets | 2.5629% | 4,373 |
| Loan and lease loss provision to assets | 0.3919% | 428 |
| Net operating income to assets | 0.1263% | 5,995 |
| Return on assets (ROA) | 0.1280% | 6,032 |
| Pretax return on assets | 0.3736% | 5,631 |
| Return on Equity (ROE) | 1.1601% | 6,024 |
| Retained earnings to average equity (ytd only) | -0.0237% | 5,686 |
| Net charge-offs to loans | 1.1812% | 268 |
| Credit loss provision to net charge-offs | 58.5938% | 2,664 |
| Earnings coverage of net charge-offs (x) | 1.1406% | 3,881 |
| Efficiency ratio | 77.0621% | 2,444 |
| Assets per employee ($millions) | 4.9493% | 2,282 |
| Cash dividends to net income (ytd only)* | 102.0408% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 4,791 |
| Loan loss allowance to noncurrent loans | 63.2111% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.5463% | 2,105 |
| Noncurrent loans to loans | 1.7812% | 1,931 |
| Net loans and leases to total assets | 59.1433% | 3,841 |
| Net loans and leases to deposits | 69.1595% | 3,919 |
| Net loans and leases to core deposits | 70.4455% | 4,225 |
| Total domestic deposits to total assets | 85.5172% | 3,277 |
| Equity capital to assets | 11.4682% | 2,454 |
| Core capital (leverage) ratio | 11.0915% | 2,340 |
| Tier 1 risk-based capital ratio | 16.1609% | 2,998 |
| Total risk-based capital ratio | 17.1206% | 3,094 |
| Memoranda: | ||
| Average total assets | $76,553,000 | 5,236 |
| Average earning assets | $64,239,330 | 5,378 |
| Average equity | $8,447,330 | 5,166 |
| Average total loans | $43,346,000 | 5,156 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 3,975 |
| Cost of funding earning assets | 0.3884% | 4,108 |
| Net interest margin | 3.5399% | 3,525 |
| Noninterest income to average assets | 0.3603% | 4,507 |
| Noninterest expense to average assets | 2.5891% | 4,306 |
| Loan and lease loss provision to assets | 0.7721% | 158 |
| Net operating income to assets | -0.2213% | 6,368 |
| Return on assets (ROA) | -0.2213% | 6,371 |
| Pretax return on assets | -0.0927% | 6,283 |
| Return on Equity (ROE) | -2.0442% | 6,358 |
| Retained earnings to average equity (ytd only) | -2.0442% | 5,863 |
| Net charge-offs to loans | 1.4014% | 228 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 0.8800% | 3,241 |
| Efficiency ratio | 79.2126% | 2,307 |
| Assets per employee ($millions) | 4.6981% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 3,707 |
| Loan loss allowance to noncurrent loans | 47.8295% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6855% | 2,092 |
| Noncurrent loans to loans | 2.8799% | 1,134 |
| Net loans and leases to total assets | 57.7206% | 3,897 |
| Net loans and leases to deposits | 66.6718% | 4,006 |
| Net loans and leases to core deposits | 68.1944% | 4,288 |
| Total domestic deposits to total assets | 86.5743% | 3,062 |
| Equity capital to assets | 11.1921% | 2,532 |
| Core capital (leverage) ratio | 10.9050% | 2,483 |
| Tier 1 risk-based capital ratio | 16.2304% | 3,041 |
| Total risk-based capital ratio | 17.4045% | 3,048 |
| Memoranda: | ||
| Average total assets | $77,709,500 | 5,261 |
| Average earning assets | $63,844,000 | 5,448 |
| Average equity | $8,414,000 | 5,196 |
| Average total loans | $42,815,000 | 5,210 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 4,540 |
| Cost of funding earning assets | 0.4367% | 4,246 |
| Net interest margin | 3.4417% | 4,124 |
| Noninterest income to average assets | 0.3749% | 4,633 |
| Noninterest expense to average assets | 2.7806% | 3,793 |
| Loan and lease loss provision to assets | 0.1014% | 3,109 |
| Net operating income to assets | 0.3482% | 5,340 |
| Return on assets (ROA) | 0.3776% | 5,347 |
| Pretax return on assets | 0.4283% | 5,413 |
| Return on Equity (ROE) | 3.3789% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.3789% | 3,824 |
| Net charge-offs to loans | -0.0394% | 6,284 |
| Credit loss provision to net charge-offs | -475.0000% | 6,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8534% | 1,534 |
| Assets per employee ($millions) | 4.4583% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 3,399 |
| Loan loss allowance to noncurrent loans | 42.8571% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 1.7620% | 2,103 |
| Noncurrent loans to loans | 3.3961% | 946 |
| Net loans and leases to total assets | 51.1277% | 4,960 |
| Net loans and leases to deposits | 58.2077% | 5,105 |
| Net loans and leases to core deposits | 59.1756% | 5,284 |
| Total domestic deposits to total assets | 87.8368% | 2,280 |
| Equity capital to assets | 10.4860% | 3,178 |
| Core capital (leverage) ratio | 11.3434% | 2,080 |
| Tier 1 risk-based capital ratio | 16.6006% | 2,796 |
| Total risk-based capital ratio | 17.7954% | 2,800 |
| Memoranda: | ||
| Average total assets | $74,948,000 | 5,354 |
| Average earning assets | $63,195,600 | 5,498 |
| Average equity | $8,375,600 | 5,245 |
| Average total loans | $40,594,000 | 5,321 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 4,610 |
| Cost of funding earning assets | 0.4470% | 4,309 |
| Net interest margin | 3.4225% | 4,196 |
| Noninterest income to average assets | 0.3930% | 4,583 |
| Noninterest expense to average assets | 2.7582% | 3,801 |
| Loan and lease loss provision to assets | 0.0724% | 3,614 |
| Net operating income to assets | 0.4144% | 5,188 |
| Return on assets (ROA) | 0.4202% | 5,307 |
| Pretax return on assets | 0.5234% | 5,289 |
| Return on Equity (ROE) | 3.6976% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.6976% | 4,071 |
| Net charge-offs to loans | -0.0562% | 6,350 |
| Credit loss provision to net charge-offs | -235.2941% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4134% | 1,774 |
| Assets per employee ($millions) | 4.0902% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 3,834 |
| Loan loss allowance to noncurrent loans | 52.5783% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.4751% | 2,725 |
| Noncurrent loans to loans | 2.6900% | 1,576 |
| Net loans and leases to total assets | 54.0585% | 4,604 |
| Net loans and leases to deposits | 62.1652% | 4,741 |
| Net loans and leases to core deposits | 63.3002% | 4,979 |
| Total domestic deposits to total assets | 86.9594% | 2,714 |
| Equity capital to assets | 11.4433% | 2,339 |
| Core capital (leverage) ratio | 11.2918% | 2,205 |
| Tier 1 risk-based capital ratio | 17.3035% | 2,583 |
| Total risk-based capital ratio | 18.4841% | 2,580 |
| Memoranda: | ||
| Average total assets | $73,622,500 | 5,436 |
| Average earning assets | $63,539,500 | 5,544 |
| Average equity | $8,365,750 | 5,304 |
| Average total loans | $40,333,500 | 5,386 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 4,667 |
| Cost of funding earning assets | 0.4614% | 4,295 |
| Net interest margin | 3.3838% | 4,250 |
| Noninterest income to average assets | 0.3993% | 4,534 |
| Noninterest expense to average assets | 2.7573% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4745% | 4,907 |
| Return on assets (ROA) | 0.4836% | 5,042 |
| Pretax return on assets | 0.5813% | 5,092 |
| Return on Equity (ROE) | 4.2655% | 5,107 |
| Retained earnings to average equity (ytd only) | 4.2655% | 3,582 |
| Net charge-offs to loans | -0.0843% | 6,456 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8571% | 1,778 |
| Assets per employee ($millions) | 4.0184% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 4,452 |
| Loan loss allowance to noncurrent loans | 59.0656% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.2429% | 3,267 |
| Noncurrent loans to loans | 2.2194% | 2,150 |
| Net loans and leases to total assets | 55.2668% | 4,405 |
| Net loans and leases to deposits | 63.5654% | 4,556 |
| Net loans and leases to core deposits | 64.7463% | 4,816 |
| Total domestic deposits to total assets | 86.9447% | 2,851 |
| Equity capital to assets | 11.5082% | 2,287 |
| Core capital (leverage) ratio | 11.4546% | 1,972 |
| Tier 1 risk-based capital ratio | 17.1819% | 2,647 |
| Total risk-based capital ratio | 18.2791% | 2,675 |
| Memoranda: | ||
| Average total assets | $73,622,000 | 5,469 |
| Average earning assets | $63,714,670 | 5,571 |
| Average equity | $8,346,000 | 5,354 |
| Average total loans | $40,321,000 | 5,413 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 4,899 |
| Cost of funding earning assets | 0.4800% | 4,279 |
| Net interest margin | 3.2973% | 4,528 |
| Noninterest income to average assets | 0.4039% | 4,426 |
| Noninterest expense to average assets | 2.6714% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4847% | 4,754 |
| Return on assets (ROA) | 0.4847% | 4,910 |
| Pretax return on assets | 0.5817% | 5,019 |
| Return on Equity (ROE) | 4.3078% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.3078% | 3,641 |
| Net charge-offs to loans | -0.2784% | 6,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1192% | 2,022 |
| Assets per employee ($millions) | 4.0516% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,326 |
| Loan loss allowance to noncurrent loans | 47.9222% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.5508% | 2,940 |
| Noncurrent loans to loans | 2.8834% | 1,752 |
| Net loans and leases to total assets | 53.0406% | 4,556 |
| Net loans and leases to deposits | 61.1689% | 4,663 |
| Net loans and leases to core deposits | 62.2929% | 4,930 |
| Total domestic deposits to total assets | 86.7117% | 3,124 |
| Equity capital to assets | 11.5085% | 2,403 |
| Core capital (leverage) ratio | 10.8931% | 2,361 |
| Tier 1 risk-based capital ratio | 17.3991% | 2,600 |
| Total risk-based capital ratio | 18.5454% | 2,612 |
| Memoranda: | ||
| Average total assets | $74,267,500 | 5,505 |
| Average earning assets | $64,173,000 | 5,610 |
| Average equity | $8,357,000 | 5,395 |
| Average total loans | $40,228,500 | 5,453 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 5,283 |
| Cost of funding earning assets | 0.5555% | 4,766 |
| Net interest margin | 3.4495% | 4,704 |
| Noninterest income to average assets | 0.3819% | 4,738 |
| Noninterest expense to average assets | 2.5134% | 5,054 |
| Loan and lease loss provision to assets | 0.1321% | 3,971 |
| Net operating income to assets | 0.5312% | 4,559 |
| Return on assets (ROA) | 0.5312% | 4,826 |
| Pretax return on assets | 0.6660% | 4,774 |
| Return on Equity (ROE) | 4.8480% | 4,753 |
| Retained earnings to average equity (ytd only) | 1.5316% | 5,101 |
| Net charge-offs to loans | -0.0052% | 6,390 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8978% | 2,764 |
| Assets per employee ($millions) | 4.4474% | 3,055 |
| Cash dividends to net income (ytd only)* | 68.4080% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,895 |
| Loan loss allowance to noncurrent loans | 55.6277% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2221% | 3,618 |
| Noncurrent loans to loans | 2.2409% | 2,415 |
| Net loans and leases to total assets | 53.8568% | 4,634 |
| Net loans and leases to deposits | 62.5513% | 4,716 |
| Net loans and leases to core deposits | 63.6672% | 4,997 |
| Total domestic deposits to total assets | 86.1003% | 3,301 |
| Equity capital to assets | 11.0057% | 2,946 |
| Core capital (leverage) ratio | 11.1576% | 2,118 |
| Tier 1 risk-based capital ratio | 16.4065% | 2,939 |
| Total risk-based capital ratio | 17.4430% | 3,007 |
| Memoranda: | ||
| Average total assets | $75,675,200 | 5,468 |
| Average earning assets | $64,270,800 | 5,601 |
| Average equity | $8,292,000 | 5,421 |
| Average total loans | $38,451,200 | 5,567 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0032% | 5,512 |
| Cost of funding earning assets | 0.5686% | 4,927 |
| Net interest margin | 3.4345% | 4,902 |
| Noninterest income to average assets | 0.3717% | 4,857 |
| Noninterest expense to average assets | 2.4854% | 5,129 |
| Loan and lease loss provision to assets | 0.1761% | 3,374 |
| Net operating income to assets | 0.4615% | 4,986 |
| Return on assets (ROA) | 0.4615% | 5,236 |
| Pretax return on assets | 0.6253% | 5,092 |
| Return on Equity (ROE) | 4.2164% | 5,187 |
| Retained earnings to average equity (ytd only) | 2.4462% | 5,109 |
| Net charge-offs to loans | -0.0071% | 6,309 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6163% | 2,733 |
| Assets per employee ($millions) | 4.3578% | 3,153 |
| Cash dividends to net income (ytd only)* | 41.9844% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,640 |
| Loan loss allowance to noncurrent loans | 329.4872% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 6,185 |
| Noncurrent loans to loans | 0.4059% | 5,641 |
| Net loans and leases to total assets | 51.1865% | 5,159 |
| Net loans and leases to deposits | 63.7954% | 4,739 |
| Net loans and leases to core deposits | 65.0362% | 5,049 |
| Total domestic deposits to total assets | 80.2354% | 5,591 |
| Equity capital to assets | 11.2902% | 2,949 |
| Core capital (leverage) ratio | 11.1697% | 2,233 |
| Tier 1 risk-based capital ratio | 17.2576% | 2,623 |
| Total risk-based capital ratio | 18.3444% | 2,643 |
| Memoranda: | ||
| Average total assets | $75,692,500 | 5,527 |
| Average earning assets | $64,247,500 | 5,664 |
| Average equity | $8,284,750 | 5,482 |
| Average total loans | $37,755,750 | 5,661 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 5,700 |
| Cost of funding earning assets | 0.5729% | 5,130 |
| Net interest margin | 3.4096% | 5,044 |
| Noninterest income to average assets | 0.3752% | 4,835 |
| Noninterest expense to average assets | 2.4925% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6192% | 4,284 |
| Return on assets (ROA) | 0.6192% | 4,532 |
| Pretax return on assets | 0.7714% | 4,571 |
| Return on Equity (ROE) | 5.7154% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.7154% | 2,872 |
| Net charge-offs to loans | -0.0053% | 6,173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3666% | 2,693 |
| Assets per employee ($millions) | 4.3423% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 5,768 |
| Loan loss allowance to noncurrent loans | 1,376.6667% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 6,406 |
| Noncurrent loans to loans | 0.0800% | 6,463 |
| Net loans and leases to total assets | 50.2526% | 5,326 |
| Net loans and leases to deposits | 58.5212% | 5,395 |
| Net loans and leases to core deposits | 59.8274% | 5,608 |
| Total domestic deposits to total assets | 85.8708% | 3,421 |
| Equity capital to assets | 11.3995% | 2,688 |
| Core capital (leverage) ratio | 11.0815% | 2,226 |
| Tier 1 risk-based capital ratio | 17.8039% | 2,358 |
| Total risk-based capital ratio | 18.6957% | 2,458 |
| Memoranda: | ||
| Average total assets | $76,229,330 | 5,541 |
| Average earning assets | $64,582,670 | 5,688 |
| Average equity | $8,258,330 | 5,497 |
| Average total loans | $37,529,670 | 5,706 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 5,994 |
| Cost of funding earning assets | 0.5821% | 5,271 |
| Net interest margin | 3.3274% | 5,381 |
| Noninterest income to average assets | 0.3823% | 4,810 |
| Noninterest expense to average assets | 2.4124% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6199% | 4,256 |
| Return on assets (ROA) | 0.6199% | 4,466 |
| Pretax return on assets | 0.7748% | 4,514 |
| Return on Equity (ROE) | 5.8680% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.8680% | 3,029 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6888% | 2,826 |
| Assets per employee ($millions) | 4.4458% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,795 |
| Loan loss allowance to noncurrent loans | 39.3505% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 1.6883% | 3,328 |
| Noncurrent loans to loans | 2.8760% | 2,247 |
| Net loans and leases to total assets | 47.6236% | 5,605 |
| Net loans and leases to deposits | 54.4688% | 5,763 |
| Net loans and leases to core deposits | 55.4139% | 5,955 |
| Total domestic deposits to total assets | 87.4329% | 2,698 |
| Equity capital to assets | 10.9212% | 3,004 |
| Core capital (leverage) ratio | 10.6152% | 2,629 |
| Tier 1 risk-based capital ratio | 17.6767% | 2,417 |
| Total risk-based capital ratio | 18.5726% | 2,514 |
| Memoranda: | ||
| Average total assets | $77,434,500 | 5,544 |
| Average earning assets | $65,276,000 | 5,713 |
| Average equity | $8,180,000 | 5,537 |
| Average total loans | $37,540,000 | 5,752 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 5,374 |
| Cost of funding earning assets | 0.7063% | 5,494 |
| Net interest margin | 3.7052% | 4,275 |
| Noninterest income to average assets | 0.3984% | 4,629 |
| Noninterest expense to average assets | 2.5047% | 5,452 |
| Loan and lease loss provision to assets | 0.0433% | 6,035 |
| Net operating income to assets | 0.7747% | 3,153 |
| Return on assets (ROA) | 0.8142% | 3,148 |
| Pretax return on assets | 1.0755% | 2,928 |
| Return on Equity (ROE) | 7.1599% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.1599% | 1,424 |
| Net charge-offs to loans | 0.0929% | 5,413 |
| Credit loss provision to net charge-offs | 85.7143% | 4,210 |
| Earnings coverage of net charge-offs (x) | 21.1143% | 1,106 |
| Efficiency ratio | 70.1293% | 3,920 |
| Assets per employee ($millions) | 4.6642% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 5,941 |
| Loan loss allowance to noncurrent loans | 75.0455% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 4,634 |
| Noncurrent loans to loans | 1.4195% | 4,032 |
| Net loans and leases to total assets | 48.2564% | 5,798 |
| Net loans and leases to deposits | 55.3077% | 5,952 |
| Net loans and leases to core deposits | 57.0621% | 6,073 |
| Total domestic deposits to total assets | 87.2508% | 2,611 |
| Equity capital to assets | 10.2231% | 3,882 |
| Core capital (leverage) ratio | 11.3619% | 1,994 |
| Tier 1 risk-based capital ratio | 16.3847% | 2,870 |
| Total risk-based capital ratio | 17.2275% | 3,017 |
| Memoranda: | ||
| Average total assets | $69,269,800 | 5,764 |
| Average earning assets | $59,321,600 | 5,886 |
| Average equity | $7,877,200 | 5,609 |
| Average total loans | $37,684,000 | 5,800 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 5,074 |
| Cost of funding earning assets | 0.7356% | 5,557 |
| Net interest margin | 3.8185% | 3,774 |
| Noninterest income to average assets | 0.4154% | 4,542 |
| Noninterest expense to average assets | 2.4883% | 5,507 |
| Loan and lease loss provision to assets | 0.0599% | 5,693 |
| Net operating income to assets | 0.8827% | 2,811 |
| Return on assets (ROA) | 0.9366% | 2,749 |
| Pretax return on assets | 1.2461% | 2,465 |
| Return on Equity (ROE) | 7.9964% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.9964% | 1,509 |
| Net charge-offs to loans | 0.1282% | 4,766 |
| Credit loss provision to net charge-offs | 83.3333% | 4,023 |
| Earnings coverage of net charge-offs (x) | 17.1663% | 1,360 |
| Efficiency ratio | 66.8455% | 4,553 |
| Assets per employee ($millions) | 3.9788% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,754 |
| Loan loss allowance to noncurrent loans | 52.8278% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.4962% | 3,872 |
| Noncurrent loans to loans | 2.1464% | 3,187 |
| Net loans and leases to total assets | 52.9813% | 5,327 |
| Net loans and leases to deposits | 61.2497% | 5,482 |
| Net loans and leases to core deposits | 62.4408% | 5,775 |
| Total domestic deposits to total assets | 86.5004% | 2,933 |
| Equity capital to assets | 11.9088% | 2,322 |
| Core capital (leverage) ratio | 11.9978% | 1,709 |
| Tier 1 risk-based capital ratio | 17.9074% | 2,288 |
| Total risk-based capital ratio | 18.8374% | 2,377 |
| Memoranda: | ||
| Average total assets | $66,764,500 | 5,885 |
| Average earning assets | $57,822,250 | 5,984 |
| Average equity | $7,820,000 | 5,655 |
| Average total loans | $37,436,250 | 5,864 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 4,850 |
| Cost of funding earning assets | 0.7455% | 5,698 |
| Net interest margin | 3.8837% | 3,385 |
| Noninterest income to average assets | 0.4092% | 4,609 |
| Noninterest expense to average assets | 2.4973% | 5,547 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9488% | 2,440 |
| Return on assets (ROA) | 1.0290% | 2,205 |
| Pretax return on assets | 1.3900% | 1,819 |
| Return on Equity (ROE) | 8.8353% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.8353% | 1,160 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0828% | 4,857 |
| Assets per employee ($millions) | 3.9479% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,987 |
| Loan loss allowance to noncurrent loans | 100.7246% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 4,934 |
| Noncurrent loans to loans | 1.0849% | 4,854 |
| Net loans and leases to total assets | 56.2371% | 4,954 |
| Net loans and leases to deposits | 65.7360% | 5,037 |
| Net loans and leases to core deposits | 67.4958% | 5,338 |
| Total domestic deposits to total assets | 85.5500% | 3,597 |
| Equity capital to assets | 11.7829% | 2,259 |
| Core capital (leverage) ratio | 11.9921% | 1,600 |
| Tier 1 risk-based capital ratio | 17.3676% | 2,392 |
| Total risk-based capital ratio | 18.2976% | 2,477 |
| Memoranda: | ||
| Average total assets | $66,473,000 | 5,944 |
| Average earning assets | $57,676,330 | 6,032 |
| Average equity | $7,741,670 | 5,690 |
| Average total loans | $37,832,670 | 5,897 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 4,876 |
| Cost of funding earning assets | 0.7489% | 5,865 |
| Net interest margin | 3.8683% | 3,307 |
| Noninterest income to average assets | 0.3870% | 4,820 |
| Noninterest expense to average assets | 2.4852% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9796% | 2,247 |
| Return on assets (ROA) | 0.9796% | 2,305 |
| Pretax return on assets | 1.3061% | 2,023 |
| Return on Equity (ROE) | 8.4612% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.4612% | 1,565 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5502% | 5,118 |
| Assets per employee ($millions) | 3.8536% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,981 |
| Loan loss allowance to noncurrent loans | 101.2136% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 4,934 |
| Noncurrent loans to loans | 1.1037% | 4,852 |
| Net loans and leases to total assets | 56.3439% | 4,936 |
| Net loans and leases to deposits | 65.9744% | 4,982 |
| Net loans and leases to core deposits | 67.7769% | 5,321 |
| Total domestic deposits to total assets | 85.4027% | 3,835 |
| Equity capital to assets | 11.7978% | 2,044 |
| Core capital (leverage) ratio | 11.4109% | 1,903 |
| Tier 1 risk-based capital ratio | 17.6536% | 2,231 |
| Total risk-based capital ratio | 18.6212% | 2,319 |
| Memoranda: | ||
| Average total assets | $66,152,500 | 5,989 |
| Average earning assets | $58,217,500 | 6,055 |
| Average equity | $7,658,500 | 5,723 |
| Average total loans | $37,669,000 | 5,955 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 4,850 |
| Cost of funding earning assets | 0.9033% | 6,165 |
| Net interest margin | 4.0331% | 2,874 |
| Noninterest income to average assets | 0.3691% | 5,150 |
| Noninterest expense to average assets | 2.6612% | 5,171 |
| Loan and lease loss provision to assets | 0.1426% | 5,758 |
| Net operating income to assets | 0.9251% | 2,296 |
| Return on assets (ROA) | 0.9251% | 2,422 |
| Pretax return on assets | 1.1864% | 2,268 |
| Return on Equity (ROE) | 7.9305% | 2,721 |
| Retained earnings to average equity (ytd only) | 6.9799% | 1,338 |
| Net charge-offs to loans | 0.2538% | 4,762 |
| Credit loss provision to net charge-offs | 94.7368% | 4,903 |
| Earnings coverage of net charge-offs (x) | 8.8316% | 1,918 |
| Efficiency ratio | 66.6931% | 4,819 |
| Assets per employee ($millions) | 3.9290% | 3,947 |
| Cash dividends to net income (ytd only)* | 11.9863% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 5,959 |
| Loan loss allowance to noncurrent loans | 97.2028% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9926% | 5,024 |
| Noncurrent loans to loans | 1.1287% | 4,853 |
| Net loans and leases to total assets | 56.2813% | 5,298 |
| Net loans and leases to deposits | 65.1768% | 5,498 |
| Net loans and leases to core deposits | 66.9004% | 5,785 |
| Total domestic deposits to total assets | 86.3519% | 3,167 |
| Equity capital to assets | 11.3605% | 2,366 |
| Core capital (leverage) ratio | 11.7730% | 1,690 |
| Tier 1 risk-based capital ratio | 17.0953% | 2,317 |
| Total risk-based capital ratio | 18.0528% | 2,390 |
| Memoranda: | ||
| Average total assets | $63,130,000 | 6,086 |
| Average earning assets | $56,680,600 | 6,112 |
| Average equity | $7,364,000 | 5,918 |
| Average total loans | $37,424,000 | 6,040 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 4,688 |
| Cost of funding earning assets | 0.9474% | 6,190 |
| Net interest margin | 4.0801% | 2,708 |
| Noninterest income to average assets | 0.4436% | 4,609 |
| Noninterest expense to average assets | 2.6703% | 5,004 |
| Loan and lease loss provision to assets | 0.1072% | 5,965 |
| Net operating income to assets | 1.0072% | 2,208 |
| Return on assets (ROA) | 1.0072% | 2,328 |
| Pretax return on assets | 1.3394% | 2,067 |
| Return on Equity (ROE) | 8.5748% | 2,662 |
| Retained earnings to average equity (ytd only) | 7.2978% | 1,704 |
| Net charge-offs to loans | 0.0858% | 5,675 |
| Credit loss provision to net charge-offs | 208.3333% | 1,694 |
| Earnings coverage of net charge-offs (x) | 28.1244% | 921 |
| Efficiency ratio | 64.8621% | 5,075 |
| Assets per employee ($millions) | 3.6468% | 4,625 |
| Cash dividends to net income (ytd only)* | 14.8935% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 5,458 |
| Loan loss allowance to noncurrent loans | 111.1663% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1662% | 4,788 |
| Noncurrent loans to loans | 1.0868% | 5,064 |
| Net loans and leases to total assets | 59.0886% | 5,087 |
| Net loans and leases to deposits | 68.8908% | 5,298 |
| Net loans and leases to core deposits | 70.8549% | 5,660 |
| Total domestic deposits to total assets | 85.7714% | 3,206 |
| Equity capital to assets | 12.1655% | 2,048 |
| Core capital (leverage) ratio | 11.5375% | 1,918 |
| Tier 1 risk-based capital ratio | 17.4928% | 2,178 |
| Total risk-based capital ratio | 18.5615% | 2,198 |
| Memoranda: | ||
| Average total assets | $62,214,250 | 6,186 |
| Average earning assets | $56,010,000 | 6,197 |
| Average equity | $7,308,000 | 6,013 |
| Average total loans | $37,277,750 | 6,129 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 4,685 |
| Cost of funding earning assets | 0.9892% | 6,199 |
| Net interest margin | 4.0647% | 2,724 |
| Noninterest income to average assets | 0.4624% | 4,417 |
| Noninterest expense to average assets | 2.6747% | 5,015 |
| Loan and lease loss provision to assets | 0.0642% | 6,308 |
| Net operating income to assets | 1.0147% | 2,142 |
| Return on assets (ROA) | 1.0147% | 2,213 |
| Pretax return on assets | 1.3518% | 1,943 |
| Return on Equity (ROE) | 8.7414% | 2,566 |
| Retained earnings to average equity (ytd only) | 6.8050% | 1,922 |
| Net charge-offs to loans | 0.1339% | 4,872 |
| Credit loss provision to net charge-offs | 80.0000% | 4,703 |
| Earnings coverage of net charge-offs (x) | 17.6400% | 1,331 |
| Efficiency ratio | 65.3846% | 5,083 |
| Assets per employee ($millions) | 3.8781% | 4,039 |
| Cash dividends to net income (ytd only)* | 22.1519% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 6,154 |
| Loan loss allowance to noncurrent loans | 70.5584% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.3312% | 4,492 |
| Noncurrent loans to loans | 1.4989% | 4,455 |
| Net loans and leases to total assets | 62.8703% | 4,495 |
| Net loans and leases to deposits | 73.9349% | 4,687 |
| Net loans and leases to core deposits | 76.0522% | 5,188 |
| Total domestic deposits to total assets | 85.0346% | 3,607 |
| Equity capital to assets | 11.8501% | 2,186 |
| Core capital (leverage) ratio | 11.5632% | 1,874 |
| Tier 1 risk-based capital ratio | 16.4917% | 2,474 |
| Total risk-based capital ratio | 17.4497% | 2,545 |
| Memoranda: | ||
| Average total assets | $62,287,330 | 6,221 |
| Average earning assets | $55,601,000 | 6,259 |
| Average equity | $7,230,000 | 6,060 |
| Average total loans | $37,343,670 | 6,177 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 4,959 |
| Cost of funding earning assets | 1.0184% | 6,289 |
| Net interest margin | 3.9943% | 2,890 |
| Noninterest income to average assets | 0.4166% | 4,760 |
| Noninterest expense to average assets | 2.7305% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9294% | 2,428 |
| Return on assets (ROA) | 0.9294% | 2,495 |
| Pretax return on assets | 1.2307% | 2,261 |
| Return on Equity (ROE) | 8.0910% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.0910% | 1,672 |
| Net charge-offs to loans | 0.0771% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 27.4286% | 931 |
| Efficiency ratio | 68.9320% | 4,518 |
| Assets per employee ($millions) | 3.8368% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 5,882 |
| Loan loss allowance to noncurrent loans | 2,766.6667% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 6,309 |
| Noncurrent loans to loans | 0.0407% | 7,308 |
| Net loans and leases to total assets | 59.3422% | 5,233 |
| Net loans and leases to deposits | 69.4600% | 5,414 |
| Net loans and leases to core deposits | 71.4490% | 5,777 |
| Total domestic deposits to total assets | 85.4336% | 3,447 |
| Equity capital to assets | 11.7906% | 2,171 |
| Core capital (leverage) ratio | 11.4186% | 1,959 |
| Tier 1 risk-based capital ratio | 17.3265% | 2,138 |
| Total risk-based capital ratio | 18.3425% | 2,189 |
| Memoranda: | ||
| Average total assets | $62,406,000 | 6,293 |
| Average earning assets | $55,378,500 | 6,346 |
| Average equity | $7,168,500 | 6,124 |
| Average total loans | $36,301,500 | 6,294 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 4,185 |
| Cost of funding earning assets | 1.3200% | 6,245 |
| Net interest margin | 4.1721% | 2,167 |
| Noninterest income to average assets | 0.4667% | 4,674 |
| Noninterest expense to average assets | 2.7235% | 5,285 |
| Loan and lease loss provision to assets | 0.3419% | 4,745 |
| Net operating income to assets | 0.9215% | 2,099 |
| Return on assets (ROA) | 0.9215% | 2,167 |
| Pretax return on assets | 1.1677% | 2,039 |
| Return on Equity (ROE) | 7.9328% | 2,398 |
| Retained earnings to average equity (ytd only) | 7.9328% | 717 |
| Net charge-offs to loans | 0.5810% | 3,480 |
| Credit loss provision to net charge-offs | 95.6938% | 5,791 |
| Earnings coverage of net charge-offs (x) | 4.2249% | 3,016 |
| Efficiency ratio | 64.3376% | 5,711 |
| Assets per employee ($millions) | 3.9640% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 5,473 |
| Loan loss allowance to noncurrent loans | 417.8218% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 6,248 |
| Noncurrent loans to loans | 0.2824% | 6,719 |
| Net loans and leases to total assets | 55.7155% | 5,995 |
| Net loans and leases to deposits | 63.8971% | 6,274 |
| Net loans and leases to core deposits | 76.4440% | 6,370 |
| Total domestic deposits to total assets | 87.1957% | 2,390 |
| Equity capital to assets | 11.1929% | 2,538 |
| Core capital (leverage) ratio | 11.2617% | 2,067 |
| Tier 1 risk-based capital ratio | 17.2275% | 2,092 |
| Total risk-based capital ratio | 18.2763% | 2,105 |
| Memoranda: | ||
| Average total assets | $58,491,600 | 6,411 |
| Average earning assets | $52,803,600 | 6,420 |
| Average equity | $6,794,600 | 6,334 |
| Average total loans | $35,971,400 | 6,311 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 4,071 |
| Cost of funding earning assets | 1.3725% | 6,325 |
| Net interest margin | 4.1912% | 2,093 |
| Noninterest income to average assets | 0.4867% | 4,607 |
| Noninterest expense to average assets | 2.7943% | 4,920 |
| Loan and lease loss provision to assets | 0.4657% | 3,579 |
| Net operating income to assets | 0.8476% | 2,628 |
| Return on assets (ROA) | 0.8476% | 2,695 |
| Pretax return on assets | 1.0595% | 2,708 |
| Return on Equity (ROE) | 7.2236% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.2236% | 1,425 |
| Net charge-offs to loans | 0.6181% | 2,826 |
| Credit loss provision to net charge-offs | 119.7605% | 4,243 |
| Earnings coverage of net charge-offs (x) | 3.9222% | 3,330 |
| Efficiency ratio | 64.6900% | 5,618 |
| Assets per employee ($millions) | 3.4201% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 4,777 |
| Loan loss allowance to noncurrent loans | 168.1159% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 5,285 |
| Noncurrent loans to loans | 0.7479% | 5,812 |
| Net loans and leases to total assets | 62.6769% | 5,121 |
| Net loans and leases to deposits | 72.7423% | 5,545 |
| Net loans and leases to core deposits | 87.4032% | 5,704 |
| Total domestic deposits to total assets | 86.1629% | 2,610 |
| Equity capital to assets | 12.0036% | 2,237 |
| Core capital (leverage) ratio | 11.8389% | 1,876 |
| Tier 1 risk-based capital ratio | 16.9706% | 2,282 |
| Total risk-based capital ratio | 18.1361% | 2,262 |
| Memoranda: | ||
| Average total assets | $57,258,500 | 6,493 |
| Average earning assets | $52,362,500 | 6,483 |
| Average equity | $6,718,500 | 6,419 |
| Average total loans | $36,024,500 | 6,346 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5842% | 4,151 |
| Cost of funding earning assets | 1.4200% | 6,415 |
| Net interest margin | 4.1642% | 2,113 |
| Noninterest income to average assets | 0.4950% | 4,489 |
| Noninterest expense to average assets | 2.7772% | 5,057 |
| Loan and lease loss provision to assets | 0.7022% | 2,324 |
| Net operating income to assets | 0.7057% | 3,227 |
| Return on assets (ROA) | 0.7057% | 3,330 |
| Pretax return on assets | 0.8356% | 3,554 |
| Return on Equity (ROE) | 6.0618% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.0618% | 1,990 |
| Net charge-offs to loans | 0.9348% | 1,848 |
| Credit loss provision to net charge-offs | 119.7605% | 3,884 |
| Earnings coverage of net charge-offs (x) | 2.6228% | 3,763 |
| Efficiency ratio | 64.3613% | 5,836 |
| Assets per employee ($millions) | 3.3008% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 4,340 |
| Loan loss allowance to noncurrent loans | 125.0674% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 5,376 |
| Noncurrent loans to loans | 1.0297% | 5,158 |
| Net loans and leases to total assets | 63.3846% | 5,103 |
| Net loans and leases to deposits | 73.5554% | 5,529 |
| Net loans and leases to core deposits | 88.6604% | 5,665 |
| Total domestic deposits to total assets | 86.1725% | 2,691 |
| Equity capital to assets | 11.9990% | 2,205 |
| Core capital (leverage) ratio | 11.5802% | 2,046 |
| Tier 1 risk-based capital ratio | 16.9651% | 2,316 |
| Total risk-based capital ratio | 18.1589% | 2,281 |
| Memoranda: | ||
| Average total assets | $56,964,330 | 6,558 |
| Average earning assets | $52,255,000 | 6,540 |
| Average equity | $6,631,670 | 6,484 |
| Average total loans | $35,731,000 | 6,421 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 5,212 |
| Cost of funding earning assets | 1.4421% | 6,604 |
| Net interest margin | 4.0015% | 2,637 |
| Noninterest income to average assets | 0.4809% | 4,500 |
| Noninterest expense to average assets | 2.6137% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1570% | 1,783 |
| Return on assets (ROA) | 1.1570% | 1,904 |
| Pretax return on assets | 1.5612% | 1,508 |
| Return on Equity (ROE) | 10.0897% | 2,281 |
| Retained earnings to average equity (ytd only) | 10.0897% | 1,165 |
| Net charge-offs to loans | 0.9556% | 1,396 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.6353% | 3,440 |
| Efficiency ratio | 62.6043% | 5,950 |
| Assets per employee ($millions) | 3.1124% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 6,433 |
| Loan loss allowance to noncurrent loans | 64.7940% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.0995% | 4,488 |
| Noncurrent loans to loans | 1.4809% | 4,082 |
| Net loans and leases to total assets | 63.7477% | 5,034 |
| Net loans and leases to deposits | 73.8015% | 5,504 |
| Net loans and leases to core deposits | 87.9395% | 5,746 |
| Total domestic deposits to total assets | 86.3773% | 2,506 |
| Equity capital to assets | 11.9020% | 2,322 |
| Core capital (leverage) ratio | 11.2981% | 2,280 |
| Tier 1 risk-based capital ratio | 17.0559% | 2,322 |
| Total risk-based capital ratio | 17.9558% | 2,377 |
| Memoranda: | ||
| Average total assets | $57,390,000 | 6,562 |
| Average earning assets | $52,980,000 | 6,543 |
| Average equity | $6,581,000 | 6,553 |
| Average total loans | $35,581,000 | 6,461 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0716% | 5,196 |
| Cost of funding earning assets | 2.0187% | 6,352 |
| Net interest margin | 4.0529% | 2,903 |
| Noninterest income to average assets | 0.4662% | 4,914 |
| Noninterest expense to average assets | 2.5572% | 5,802 |
| Loan and lease loss provision to assets | 0.1335% | 5,654 |
| Net operating income to assets | 1.0891% | 2,189 |
| Return on assets (ROA) | 1.0891% | 2,105 |
| Pretax return on assets | 1.4770% | 1,747 |
| Return on Equity (ROE) | 9.5129% | 2,434 |
| Retained earnings to average equity (ytd only) | -4.4766% | 6,413 |
| Net charge-offs to loans | 0.1191% | 5,068 |
| Credit loss provision to net charge-offs | 182.9268% | 2,725 |
| Earnings coverage of net charge-offs (x) | 22.0732% | 1,496 |
| Efficiency ratio | 61.3578% | 6,094 |
| Assets per employee ($millions) | 3.2642% | 5,304 |
| Cash dividends to net income (ytd only)* | 147.0588% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 4,333 |
| Loan loss allowance to noncurrent loans | 86.7203% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8459% | 4,735 |
| Noncurrent loans to loans | 1.4159% | 3,684 |
| Net loans and leases to total assets | 59.0084% | 6,051 |
| Net loans and leases to deposits | 67.6415% | 6,494 |
| Net loans and leases to core deposits | 82.1140% | 6,454 |
| Total domestic deposits to total assets | 87.2370% | 1,817 |
| Equity capital to assets | 11.0525% | 2,999 |
| Core capital (leverage) ratio | 11.5895% | 2,199 |
| Tier 1 risk-based capital ratio | 16.8064% | 2,385 |
| Total risk-based capital ratio | 17.9395% | 2,356 |
| Memoranda: | ||
| Average total assets | $56,194,400 | 6,520 |
| Average earning assets | $51,321,000 | 6,534 |
| Average equity | $6,433,400 | 6,664 |
| Average total loans | $34,437,400 | 6,461 |