Home > First National Bank in Fairfield > Performance and Condition Ratios
First National Bank in Fairfield, Performance and Condition Ratios
| 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 | 2.9112% | 3,503 |
| Cost of funding earning assets | 0.2580% | 2,067 |
| Net interest margin | 2.6532% | 3,518 |
| Noninterest income to average assets | 0.3427% | 3,042 |
| Noninterest expense to average assets | 2.9029% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0486% | 4,569 |
| Return on assets (ROA) | -0.0486% | 4,550 |
| Pretax return on assets | -0.0614% | 4,550 |
| Return on Equity (ROE) | -0.5218% | 4,558 |
| Retained earnings to average equity (ytd only) | -0.5218% | 4,082 |
| Net charge-offs to loans | -0.0247% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1602% | 211 |
| Assets per employee ($millions) | 6.3545% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 699 |
| Loan loss allowance to noncurrent loans | 112.2653% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0059% | 500 |
| Noncurrent loans to loans | 1.7195% | 454 |
| Net loans and leases to total assets | 57.3696% | 2,369 |
| Net loans and leases to deposits | 64.5716% | 2,475 |
| Net loans and leases to core deposits | 69.9391% | 2,297 |
| Total domestic deposits to total assets | 88.8464% | 2,150 |
| Equity capital to assets | 8.9901% | 2,720 |
| Core capital (leverage) ratio | 9.3269% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9952% | 1,257 |
| Memoranda: | ||
| Average total assets | $156,395,000 | 3,459 |
| Average earning assets | $147,295,500 | 3,435 |
| Average equity | $14,564,500 | 3,599 |
| Average total loans | $97,353,000 | 3,224 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3106% | 3,174 |
| Cost of funding earning assets | 0.3393% | 2,030 |
| Net interest margin | 2.9713% | 3,270 |
| Noninterest income to average assets | 0.3406% | 3,375 |
| Noninterest expense to average assets | 2.8496% | 1,249 |
| Loan and lease loss provision to assets | 0.0628% | 1,812 |
| Net operating income to assets | 0.1684% | 4,565 |
| Return on assets (ROA) | 0.1684% | 4,577 |
| Pretax return on assets | 0.2124% | 4,567 |
| Return on Equity (ROE) | 1.8135% | 4,523 |
| Retained earnings to average equity (ytd only) | 1.8135% | 4,038 |
| Net charge-offs to loans | 0.1224% | 741 |
| Credit loss provision to net charge-offs | 81.9672% | 1,941 |
| Earnings coverage of net charge-offs (x) | 3.5902% | 2,535 |
| Efficiency ratio | 91.1924% | 286 |
| Assets per employee ($millions) | 5.1309% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 935 |
| Loan loss allowance to noncurrent loans | 110.6436% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.1057% | 472 |
| Noncurrent loans to loans | 1.5878% | 553 |
| Net loans and leases to total assets | 64.9561% | 1,588 |
| Net loans and leases to deposits | 73.6185% | 1,758 |
| Net loans and leases to core deposits | 75.8997% | 1,930 |
| Total domestic deposits to total assets | 88.2334% | 1,919 |
| Equity capital to assets | 9.6455% | 2,997 |
| Core capital (leverage) ratio | 9.3874% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9589% | 1,529 |
| Memoranda: | ||
| Average total assets | $159,144,000 | 3,400 |
| Average earning assets | $149,127,400 | 3,384 |
| Average equity | $14,778,400 | 3,661 |
| Average total loans | $99,680,200 | 3,201 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 3,405 |
| Cost of funding earning assets | 0.3532% | 2,090 |
| Net interest margin | 2.9411% | 3,458 |
| Noninterest income to average assets | 0.3415% | 3,407 |
| Noninterest expense to average assets | 2.8752% | 1,176 |
| Loan and lease loss provision to assets | 0.0667% | 1,667 |
| Net operating income to assets | 0.1230% | 4,680 |
| Return on assets (ROA) | 0.1230% | 4,699 |
| Pretax return on assets | 0.1537% | 4,689 |
| Return on Equity (ROE) | 1.3368% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.3368% | 4,340 |
| Net charge-offs to loans | 0.1802% | 478 |
| Credit loss provision to net charge-offs | 59.7015% | 1,807 |
| Earnings coverage of net charge-offs (x) | 1.9776% | 2,364 |
| Efficiency ratio | 92.8859% | 252 |
| Assets per employee ($millions) | 5.4191% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 1,061 |
| Loan loss allowance to noncurrent loans | 83.2148% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 386 |
| Noncurrent loans to loans | 2.0719% | 414 |
| Net loans and leases to total assets | 63.6554% | 1,814 |
| Net loans and leases to deposits | 72.8013% | 1,980 |
| Net loans and leases to core deposits | 75.1689% | 2,125 |
| Total domestic deposits to total assets | 87.4372% | 2,143 |
| Equity capital to assets | 9.4398% | 3,429 |
| Core capital (leverage) ratio | 9.5755% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7292% | 1,711 |
| Memoranda: | ||
| Average total assets | $160,448,250 | 3,425 |
| Average earning assets | $150,235,250 | 3,411 |
| Average equity | $14,761,250 | 3,708 |
| Average total loans | $99,157,000 | 3,252 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1812% | 3,710 |
| Cost of funding earning assets | 0.3665% | 2,169 |
| Net interest margin | 2.8147% | 3,761 |
| Noninterest income to average assets | 0.4048% | 3,090 |
| Noninterest expense to average assets | 2.8202% | 1,313 |
| Loan and lease loss provision to assets | 0.0495% | 2,040 |
| Net operating income to assets | 0.1424% | 4,670 |
| Return on assets (ROA) | 0.1424% | 4,693 |
| Pretax return on assets | 0.1783% | 4,686 |
| Return on Equity (ROE) | 1.5607% | 4,644 |
| Retained earnings to average equity (ytd only) | 1.5607% | 4,229 |
| Net charge-offs to loans | 0.1791% | 475 |
| Credit loss provision to net charge-offs | 45.4545% | 1,628 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 2,146 |
| Efficiency ratio | 92.5264% | 283 |
| Assets per employee ($millions) | 5.0005% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 923 |
| Loan loss allowance to noncurrent loans | 66.4528% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.7418% | 278 |
| Noncurrent loans to loans | 2.6726% | 296 |
| Net loans and leases to total assets | 62.8292% | 2,078 |
| Net loans and leases to deposits | 71.2804% | 2,270 |
| Net loans and leases to core deposits | 73.4434% | 2,466 |
| Total domestic deposits to total assets | 88.1437% | 1,751 |
| Equity capital to assets | 9.5566% | 3,283 |
| Core capital (leverage) ratio | 9.3063% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3141% | 1,525 |
| Memoranda: | ||
| Average total assets | $161,546,333 | 3,420 |
| Average earning assets | $151,701,667 | 3,394 |
| Average equity | $14,736,667 | 3,707 |
| Average total loans | $98,278,667 | 3,279 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8967% | 4,256 |
| Cost of funding earning assets | 0.3957% | 2,132 |
| Net interest margin | 2.5010% | 4,296 |
| Noninterest income to average assets | 0.3980% | 3,097 |
| Noninterest expense to average assets | 2.7401% | 1,519 |
| Loan and lease loss provision to assets | 0.0607% | 1,909 |
| Net operating income to assets | -0.0437% | 4,787 |
| Return on assets (ROA) | -0.0437% | 4,793 |
| Pretax return on assets | -0.0558% | 4,799 |
| Return on Equity (ROE) | -0.4899% | 4,801 |
| Retained earnings to average equity (ytd only) | -0.4899% | 4,410 |
| Net charge-offs to loans | -0.1554% | 4,742 |
| Credit loss provision to net charge-offs | -65.7895% | 2,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8232% | 192 |
| Assets per employee ($millions) | 5.3672% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 707 |
| Loan loss allowance to noncurrent loans | 42.8277% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.8763% | 110 |
| Noncurrent loans to loans | 4.4973% | 105 |
| Net loans and leases to total assets | 55.4984% | 3,093 |
| Net loans and leases to deposits | 62.5991% | 3,262 |
| Net loans and leases to core deposits | 65.2602% | 3,295 |
| Total domestic deposits to total assets | 88.6568% | 1,533 |
| Equity capital to assets | 8.5513% | 4,076 |
| Core capital (leverage) ratio | 9.0875% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3220% | 1,469 |
| Memoranda: | ||
| Average total assets | $164,812,500 | 3,386 |
| Average earning assets | $154,661,000 | 3,366 |
| Average equity | $14,698,000 | 3,717 |
| Average total loans | $97,840,500 | 3,291 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 3,766 |
| Cost of funding earning assets | 0.6024% | 2,285 |
| Net interest margin | 3.0142% | 3,853 |
| Noninterest income to average assets | 0.3216% | 3,536 |
| Noninterest expense to average assets | 2.9725% | 1,500 |
| Loan and lease loss provision to assets | 0.6280% | 303 |
| Net operating income to assets | -0.3597% | 4,854 |
| Return on assets (ROA) | -0.3597% | 4,870 |
| Pretax return on assets | -0.4623% | 4,870 |
| Return on Equity (ROE) | -3.6847% | 4,882 |
| Retained earnings to average equity (ytd only) | -3.6847% | 4,803 |
| Net charge-offs to loans | 1.6772% | 61 |
| Credit loss provision to net charge-offs | 54.8535% | 3,116 |
| Earnings coverage of net charge-offs (x) | 0.1447% | 3,334 |
| Efficiency ratio | 94.7192% | 257 |
| Assets per employee ($millions) | 4.9336% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 802 |
| Loan loss allowance to noncurrent loans | 29.4146% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 3.9272% | 67 |
| Noncurrent loans to loans | 6.2443% | 50 |
| Net loans and leases to total assets | 61.2393% | 2,700 |
| Net loans and leases to deposits | 69.8658% | 2,891 |
| Net loans and leases to core deposits | 76.2276% | 2,715 |
| Total domestic deposits to total assets | 87.6528% | 1,633 |
| Equity capital to assets | 9.3169% | 3,771 |
| Core capital (leverage) ratio | 9.2014% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9782% | 1,538 |
| Memoranda: | ||
| Average total assets | $152,060,800 | 3,379 |
| Average earning assets | $142,092,600 | 3,357 |
| Average equity | $14,845,000 | 3,665 |
| Average total loans | $103,805,600 | 3,183 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 3,834 |
| Cost of funding earning assets | 0.6410% | 2,374 |
| Net interest margin | 3.0418% | 3,881 |
| Noninterest income to average assets | 0.3258% | 3,536 |
| Noninterest expense to average assets | 3.0347% | 1,364 |
| Loan and lease loss provision to assets | 0.0617% | 3,569 |
| Net operating income to assets | 0.0513% | 4,737 |
| Return on assets (ROA) | 0.0513% | 4,762 |
| Pretax return on assets | 0.0646% | 4,752 |
| Return on Equity (ROE) | 0.5197% | 4,751 |
| Retained earnings to average equity (ytd only) | 0.5197% | 4,382 |
| Net charge-offs to loans | 0.5960% | 240 |
| Credit loss provision to net charge-offs | 14.8936% | 2,988 |
| Earnings coverage of net charge-offs (x) | 0.3043% | 3,135 |
| Efficiency ratio | 95.9955% | 224 |
| Assets per employee ($millions) | 5.2735% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2115% | 348 |
| Loan loss allowance to noncurrent loans | 23.9681% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 6.1990% | 37 |
| Noncurrent loans to loans | 9.2266% | 31 |
| Net loans and leases to total assets | 59.3725% | 3,287 |
| Net loans and leases to deposits | 67.5635% | 3,504 |
| Net loans and leases to core deposits | 72.8511% | 3,406 |
| Total domestic deposits to total assets | 87.8767% | 1,275 |
| Equity capital to assets | 9.0985% | 4,035 |
| Core capital (leverage) ratio | 10.0373% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8706% | 1,544 |
| Memoranda: | ||
| Average total assets | $150,607,500 | 3,381 |
| Average earning assets | $140,395,500 | 3,364 |
| Average equity | $14,879,000 | 3,669 |
| Average total loans | $105,134,500 | 3,172 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 3,701 |
| Cost of funding earning assets | 0.7128% | 2,319 |
| Net interest margin | 3.1554% | 3,778 |
| Noninterest income to average assets | 0.3226% | 3,531 |
| Noninterest expense to average assets | 3.1220% | 1,306 |
| Loan and lease loss provision to assets | 0.0615% | 3,529 |
| Net operating income to assets | 0.0588% | 4,721 |
| Return on assets (ROA) | 0.0588% | 4,748 |
| Pretax return on assets | 0.0738% | 4,742 |
| Return on Equity (ROE) | 0.5779% | 4,741 |
| Retained earnings to average equity (ytd only) | 0.5779% | 4,195 |
| Net charge-offs to loans | 0.4202% | 378 |
| Credit loss provision to net charge-offs | 20.0000% | 2,729 |
| Earnings coverage of net charge-offs (x) | 0.4400% | 2,920 |
| Efficiency ratio | 95.8456% | 246 |
| Assets per employee ($millions) | 4.2417% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3088% | 284 |
| Loan loss allowance to noncurrent loans | 27.1135% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 6.7338% | 33 |
| Noncurrent loans to loans | 8.5154% | 37 |
| Net loans and leases to total assets | 68.8289% | 2,209 |
| Net loans and leases to deposits | 78.6212% | 2,588 |
| Net loans and leases to core deposits | 83.9563% | 2,606 |
| Total domestic deposits to total assets | 87.5449% | 1,403 |
| Equity capital to assets | 10.0168% | 3,188 |
| Core capital (leverage) ratio | 10.3242% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1413% | 1,747 |
| Memoranda: | ||
| Average total assets | $146,317,333 | 3,413 |
| Average earning assets | $136,085,333 | 3,401 |
| Average equity | $14,880,667 | 3,671 |
| Average total loans | $107,094,000 | 3,135 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2996% | 2,925 |
| Cost of funding earning assets | 0.8380% | 2,182 |
| Net interest margin | 3.4616% | 3,110 |
| Noninterest income to average assets | 0.3635% | 3,337 |
| Noninterest expense to average assets | 3.1560% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3360% | 4,270 |
| Return on assets (ROA) | 0.3360% | 4,304 |
| Pretax return on assets | 0.4269% | 4,249 |
| Return on Equity (ROE) | 3.2784% | 4,150 |
| Retained earnings to average equity (ytd only) | 3.2784% | 2,967 |
| Net charge-offs to loans | -0.0148% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0861% | 583 |
| Assets per employee ($millions) | 4.1910% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4139% | 284 |
| Loan loss allowance to noncurrent loans | 48.7617% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 4.5139% | 84 |
| Noncurrent loans to loans | 4.9503% | 127 |
| Net loans and leases to total assets | 73.7371% | 1,652 |
| Net loans and leases to deposits | 85.3896% | 2,069 |
| Net loans and leases to core deposits | 91.9128% | 2,170 |
| Total domestic deposits to total assets | 86.3538% | 1,849 |
| Equity capital to assets | 10.5022% | 3,319 |
| Core capital (leverage) ratio | 10.2720% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9912% | 1,907 |
| Memoranda: | ||
| Average total assets | $145,245,500 | 3,389 |
| Average earning assets | $135,083,000 | 3,380 |
| Average equity | $14,885,500 | 3,673 |
| Average total loans | $108,341,500 | 3,100 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 3,219 |
| Cost of funding earning assets | 0.8860% | 2,256 |
| Net interest margin | 3.5232% | 3,368 |
| Noninterest income to average assets | 0.3909% | 3,356 |
| Noninterest expense to average assets | 2.8740% | 2,371 |
| Loan and lease loss provision to assets | 0.4407% | 314 |
| Net operating income to assets | 0.3236% | 4,718 |
| Return on assets (ROA) | 0.3236% | 4,744 |
| Pretax return on assets | 0.3747% | 4,750 |
| Return on Equity (ROE) | 3.3099% | 4,605 |
| Retained earnings to average equity (ytd only) | 3.3099% | 3,350 |
| Net charge-offs to loans | 0.3305% | 628 |
| Credit loss provision to net charge-offs | 174.6667% | 1,485 |
| Earnings coverage of net charge-offs (x) | 3.2320% | 3,343 |
| Efficiency ratio | 77.8993% | 1,163 |
| Assets per employee ($millions) | 4.2285% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3805% | 251 |
| Loan loss allowance to noncurrent loans | 45.1226% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 3.9710% | 104 |
| Noncurrent loans to loans | 5.2755% | 89 |
| Net loans and leases to total assets | 71.9055% | 2,105 |
| Net loans and leases to deposits | 82.0114% | 2,557 |
| Net loans and leases to core deposits | 86.6886% | 2,737 |
| Total domestic deposits to total assets | 87.6775% | 1,284 |
| Equity capital to assets | 10.0043% | 3,911 |
| Core capital (leverage) ratio | 9.8377% | 3,690 |
| Tier 1 risk-based capital ratio | 13.4625% | 3,544 |
| Total risk-based capital ratio | 14.7263% | 3,428 |
| Memoranda: | ||
| Average total assets | $148,641,800 | 3,319 |
| Average earning assets | $139,164,000 | 3,288 |
| Average equity | $14,532,000 | 3,686 |
| Average total loans | $113,455,800 | 3,027 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 3,202 |
| Cost of funding earning assets | 0.8814% | 2,313 |
| Net interest margin | 3.5706% | 3,328 |
| Noninterest income to average assets | 0.3889% | 3,383 |
| Noninterest expense to average assets | 2.8610% | 2,372 |
| Loan and lease loss provision to assets | 0.5511% | 219 |
| Net operating income to assets | 0.2527% | 4,902 |
| Return on assets (ROA) | 0.2527% | 4,916 |
| Pretax return on assets | 0.3199% | 4,883 |
| Return on Equity (ROE) | 2.5996% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.5996% | 4,050 |
| Net charge-offs to loans | 0.4120% | 406 |
| Credit loss provision to net charge-offs | 173.7288% | 1,470 |
| Earnings coverage of net charge-offs (x) | 2.7458% | 3,169 |
| Efficiency ratio | 76.6627% | 1,247 |
| Assets per employee ($millions) | 4.4082% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 285 |
| Loan loss allowance to noncurrent loans | 42.0023% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 4.2160% | 100 |
| Noncurrent loans to loans | 5.4759% | 89 |
| Net loans and leases to total assets | 75.2198% | 1,613 |
| Net loans and leases to deposits | 86.6744% | 2,110 |
| Net loans and leases to core deposits | 91.9467% | 2,377 |
| Total domestic deposits to total assets | 86.7843% | 1,627 |
| Equity capital to assets | 10.0357% | 3,984 |
| Core capital (leverage) ratio | 10.1191% | 3,511 |
| Tier 1 risk-based capital ratio | 12.9246% | 3,894 |
| Total risk-based capital ratio | 14.1872% | 3,779 |
| Memoranda: | ||
| Average total assets | $148,803,000 | 3,347 |
| Average earning assets | $139,317,500 | 3,320 |
| Average equity | $14,463,500 | 3,721 |
| Average total loans | $114,566,500 | 3,049 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 2,774 |
| Cost of funding earning assets | 0.8837% | 2,225 |
| Net interest margin | 3.6856% | 2,976 |
| Noninterest income to average assets | 0.3816% | 3,389 |
| Noninterest expense to average assets | 2.7976% | 2,594 |
| Loan and lease loss provision to assets | 0.5803% | 192 |
| Net operating income to assets | 0.3589% | 4,788 |
| Return on assets (ROA) | 0.3589% | 4,806 |
| Pretax return on assets | 0.4589% | 4,755 |
| Return on Equity (ROE) | 3.7314% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.7314% | 3,391 |
| Net charge-offs to loans | 0.3847% | 433 |
| Credit loss provision to net charge-offs | 195.9459% | 1,237 |
| Earnings coverage of net charge-offs (x) | 3.5090% | 2,835 |
| Efficiency ratio | 72.9138% | 1,789 |
| Assets per employee ($millions) | 4.2231% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2202% | 323 |
| Loan loss allowance to noncurrent loans | 74.7045% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.3568% | 328 |
| Noncurrent loans to loans | 2.9719% | 345 |
| Net loans and leases to total assets | 77.5403% | 1,306 |
| Net loans and leases to deposits | 88.1430% | 1,992 |
| Net loans and leases to core deposits | 93.1971% | 2,311 |
| Total domestic deposits to total assets | 87.9710% | 1,115 |
| Equity capital to assets | 10.1639% | 3,822 |
| Core capital (leverage) ratio | 9.8611% | 3,745 |
| Tier 1 risk-based capital ratio | 12.8456% | 3,917 |
| Total risk-based capital ratio | 14.1078% | 3,817 |
| Memoranda: | ||
| Average total assets | $149,913,670 | 3,352 |
| Average earning assets | $140,548,000 | 3,320 |
| Average equity | $14,418,330 | 3,732 |
| Average total loans | $115,422,330 | 3,041 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 2,925 |
| Cost of funding earning assets | 0.8520% | 2,262 |
| Net interest margin | 3.6309% | 3,130 |
| Noninterest income to average assets | 0.3632% | 3,424 |
| Noninterest expense to average assets | 2.7934% | 2,594 |
| Loan and lease loss provision to assets | 0.5879% | 179 |
| Net operating income to assets | 0.2979% | 4,900 |
| Return on assets (ROA) | 0.2979% | 4,904 |
| Pretax return on assets | 0.3893% | 4,851 |
| Return on Equity (ROE) | 3.1820% | 4,748 |
| Retained earnings to average equity (ytd only) | 3.1820% | 3,664 |
| Net charge-offs to loans | 0.7091% | 211 |
| Credit loss provision to net charge-offs | 109.2233% | 1,501 |
| Earnings coverage of net charge-offs (x) | 1.8155% | 2,554 |
| Efficiency ratio | 74.0818% | 1,746 |
| Assets per employee ($millions) | 4.6634% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 458 |
| Loan loss allowance to noncurrent loans | 120.1854% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 1,092 |
| Noncurrent loans to loans | 1.7039% | 905 |
| Net loans and leases to total assets | 70.4087% | 2,418 |
| Net loans and leases to deposits | 79.3357% | 2,913 |
| Net loans and leases to core deposits | 84.2405% | 3,005 |
| Total domestic deposits to total assets | 88.7479% | 981 |
| Equity capital to assets | 9.0806% | 4,628 |
| Core capital (leverage) ratio | 9.5236% | 4,102 |
| Tier 1 risk-based capital ratio | 12.7887% | 3,984 |
| Total risk-based capital ratio | 14.0490% | 3,878 |
| Memoranda: | ||
| Average total assets | $153,077,500 | 3,353 |
| Average earning assets | $143,654,500 | 3,323 |
| Average equity | $14,330,500 | 3,755 |
| Average total loans | $116,201,000 | 3,059 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 2,900 |
| Cost of funding earning assets | 0.7288% | 1,913 |
| Net interest margin | 3.6306% | 3,279 |
| Noninterest income to average assets | 0.3957% | 3,468 |
| Noninterest expense to average assets | 2.6788% | 3,099 |
| Loan and lease loss provision to assets | 1.7357% | 37 |
| Net operating income to assets | -0.4734% | 5,317 |
| Return on assets (ROA) | -0.4734% | 5,310 |
| Pretax return on assets | -0.6308% | 5,318 |
| Return on Equity (ROE) | -5.1950% | 5,318 |
| Retained earnings to average equity (ytd only) | -5.1950% | 5,248 |
| Net charge-offs to loans | 2.2131% | 48 |
| Credit loss provision to net charge-offs | 96.4185% | 2,621 |
| Earnings coverage of net charge-offs (x) | 0.6138% | 3,684 |
| Efficiency ratio | 70.7985% | 2,070 |
| Assets per employee ($millions) | 4.3411% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9547% | 514 |
| Loan loss allowance to noncurrent loans | 141.3309% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 1,208 |
| Noncurrent loans to loans | 1.3831% | 1,128 |
| Net loans and leases to total assets | 78.6698% | 1,153 |
| Net loans and leases to deposits | 89.0623% | 1,920 |
| Net loans and leases to core deposits | 97.0991% | 1,961 |
| Total domestic deposits to total assets | 88.3311% | 1,145 |
| Equity capital to assets | 9.6634% | 3,988 |
| Core capital (leverage) ratio | 9.3494% | 4,303 |
| Tier 1 risk-based capital ratio | 12.1740% | 4,311 |
| Total risk-based capital ratio | 13.4326% | 4,187 |
| Memoranda: | ||
| Average total assets | $158,206,000 | 3,304 |
| Average earning assets | $147,633,000 | 3,275 |
| Average equity | $14,417,800 | 3,704 |
| Average total loans | $128,689,800 | 2,890 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,850 |
| Cost of funding earning assets | 0.6968% | 1,860 |
| Net interest margin | 3.6334% | 3,260 |
| Noninterest income to average assets | 0.3929% | 3,525 |
| Noninterest expense to average assets | 2.6739% | 3,051 |
| Loan and lease loss provision to assets | 1.4265% | 55 |
| Net operating income to assets | -0.2636% | 5,360 |
| Return on assets (ROA) | -0.2636% | 5,358 |
| Pretax return on assets | -0.3191% | 5,362 |
| Return on Equity (ROE) | -2.9329% | 5,367 |
| Retained earnings to average equity (ytd only) | -2.9329% | 5,248 |
| Net charge-offs to loans | 0.5160% | 298 |
| Credit loss provision to net charge-offs | 338.7795% | 927 |
| Earnings coverage of net charge-offs (x) | 2.6299% | 3,229 |
| Efficiency ratio | 70.7146% | 2,087 |
| Assets per employee ($millions) | 4.1990% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8351% | 160 |
| Loan loss allowance to noncurrent loans | 78.4865% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 2.9769% | 246 |
| Noncurrent loans to loans | 3.6122% | 258 |
| Net loans and leases to total assets | 80.0758% | 1,006 |
| Net loans and leases to deposits | 91.5055% | 1,691 |
| Net loans and leases to core deposits | 99.5726% | 1,826 |
| Total domestic deposits to total assets | 87.5093% | 1,482 |
| Equity capital to assets | 9.4443% | 4,135 |
| Core capital (leverage) ratio | 9.6062% | 4,054 |
| Tier 1 risk-based capital ratio | 11.5264% | 4,780 |
| Total risk-based capital ratio | 12.7960% | 4,652 |
| Memoranda: | ||
| Average total assets | $160,858,000 | 3,288 |
| Average earning assets | $150,010,000 | 3,272 |
| Average equity | $14,456,500 | 3,727 |
| Average total loans | $131,254,750 | 2,884 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 3,285 |
| Cost of funding earning assets | 0.6620% | 1,860 |
| Net interest margin | 3.4865% | 3,680 |
| Noninterest income to average assets | 0.3823% | 3,604 |
| Noninterest expense to average assets | 2.6283% | 3,231 |
| Loan and lease loss provision to assets | 0.8114% | 112 |
| Net operating income to assets | 0.1512% | 5,261 |
| Return on assets (ROA) | 0.1512% | 5,254 |
| Pretax return on assets | 0.1992% | 5,237 |
| Return on Equity (ROE) | 1.7102% | 5,207 |
| Retained earnings to average equity (ytd only) | 1.7102% | 4,564 |
| Net charge-offs to loans | 0.9220% | 147 |
| Credit loss provision to net charge-offs | 108.1967% | 1,913 |
| Earnings coverage of net charge-offs (x) | 1.3475% | 3,072 |
| Efficiency ratio | 72.2297% | 1,965 |
| Assets per employee ($millions) | 4.1901% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 657 |
| Loan loss allowance to noncurrent loans | 27.2838% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 5.6788% | 69 |
| Noncurrent loans to loans | 6.8932% | 61 |
| Net loans and leases to total assets | 80.8338% | 880 |
| Net loans and leases to deposits | 92.3140% | 1,544 |
| Net loans and leases to core deposits | 102.8315% | 1,502 |
| Total domestic deposits to total assets | 87.5640% | 1,608 |
| Equity capital to assets | 9.4974% | 4,105 |
| Core capital (leverage) ratio | 9.5746% | 4,021 |
| Tier 1 risk-based capital ratio | 11.4082% | 4,831 |
| Total risk-based capital ratio | 12.6658% | 4,734 |
| Memoranda: | ||
| Average total assets | $162,689,330 | 3,287 |
| Average earning assets | $151,957,330 | 3,263 |
| Average equity | $14,384,330 | 3,756 |
| Average total loans | $132,326,670 | 2,884 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 3,255 |
| Cost of funding earning assets | 0.6553% | 1,691 |
| Net interest margin | 3.4384% | 3,742 |
| Noninterest income to average assets | 0.3868% | 3,557 |
| Noninterest expense to average assets | 2.6639% | 3,151 |
| Loan and lease loss provision to assets | 0.9488% | 93 |
| Net operating income to assets | -0.0170% | 5,396 |
| Return on assets (ROA) | -0.0170% | 5,393 |
| Pretax return on assets | -0.0219% | 5,396 |
| Return on Equity (ROE) | -0.1998% | 5,394 |
| Retained earnings to average equity (ytd only) | -0.1998% | 4,823 |
| Net charge-offs to loans | 1.4085% | 100 |
| Credit loss provision to net charge-offs | 83.3333% | 1,711 |
| Earnings coverage of net charge-offs (x) | 0.8141% | 2,612 |
| Efficiency ratio | 74.1870% | 1,874 |
| Assets per employee ($millions) | 4.3080% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 823 |
| Loan loss allowance to noncurrent loans | 32.6314% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 4.3804% | 128 |
| Noncurrent loans to loans | 5.4449% | 124 |
| Net loans and leases to total assets | 79.0214% | 1,080 |
| Net loans and leases to deposits | 89.2509% | 1,787 |
| Net loans and leases to core deposits | 99.7702% | 1,709 |
| Total domestic deposits to total assets | 88.5385% | 1,335 |
| Equity capital to assets | 9.1585% | 4,406 |
| Core capital (leverage) ratio | 9.1105% | 4,558 |
| Tier 1 risk-based capital ratio | 11.2603% | 5,001 |
| Total risk-based capital ratio | 12.5168% | 4,891 |
| Memoranda: | ||
| Average total assets | $164,422,500 | 3,311 |
| Average earning assets | $153,210,000 | 3,284 |
| Average equity | $14,015,500 | 3,831 |
| Average total loans | $132,903,500 | 2,903 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 2,534 |
| Cost of funding earning assets | 0.5713% | 1,821 |
| Net interest margin | 3.6689% | 2,919 |
| Noninterest income to average assets | 0.3912% | 3,699 |
| Noninterest expense to average assets | 2.5201% | 3,712 |
| Loan and lease loss provision to assets | 1.0635% | 91 |
| Net operating income to assets | 0.0733% | 5,284 |
| Return on assets (ROA) | 0.0733% | 5,288 |
| Pretax return on assets | 0.2494% | 5,264 |
| Return on Equity (ROE) | 0.9089% | 5,243 |
| Retained earnings to average equity (ytd only) | 0.9089% | 4,659 |
| Net charge-offs to loans | 1.1315% | 146 |
| Credit loss provision to net charge-offs | 111.9545% | 2,326 |
| Earnings coverage of net charge-offs (x) | 1.3820% | 3,895 |
| Efficiency ratio | 65.7470% | 3,312 |
| Assets per employee ($millions) | 4.3563% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 1,958 |
| Loan loss allowance to noncurrent loans | 48.8554% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 2.2544% | 447 |
| Noncurrent loans to loans | 2.7687% | 437 |
| Net loans and leases to total assets | 79.9148% | 970 |
| Net loans and leases to deposits | 91.0224% | 1,647 |
| Net loans and leases to core deposits | 103.5165% | 1,444 |
| Total domestic deposits to total assets | 87.7969% | 1,607 |
| Equity capital to assets | 8.1177% | 5,342 |
| Core capital (leverage) ratio | 8.0440% | 5,424 |
| Tier 1 risk-based capital ratio | 10.0158% | 5,532 |
| Total risk-based capital ratio | 11.2673% | 5,472 |
| Memoranda: | ||
| Average total assets | $166,424,600 | 3,282 |
| Average earning assets | $156,121,800 | 3,242 |
| Average equity | $13,423,000 | 3,928 |
| Average total loans | $139,726,200 | 2,785 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,392 |
| Cost of funding earning assets | 0.5547% | 1,858 |
| Net interest margin | 3.7058% | 2,736 |
| Noninterest income to average assets | 0.3920% | 3,740 |
| Noninterest expense to average assets | 2.4442% | 3,903 |
| Loan and lease loss provision to assets | 0.8961% | 118 |
| Net operating income to assets | 0.3560% | 5,092 |
| Return on assets (ROA) | 0.3560% | 5,112 |
| Pretax return on assets | 0.5369% | 4,957 |
| Return on Equity (ROE) | 4.4214% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.4214% | 3,266 |
| Net charge-offs to loans | 1.0477% | 167 |
| Credit loss provision to net charge-offs | 100.9919% | 2,255 |
| Earnings coverage of net charge-offs (x) | 1.6150% | 3,562 |
| Efficiency ratio | 63.0417% | 3,704 |
| Assets per employee ($millions) | 4.5069% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 3,257 |
| Loan loss allowance to noncurrent loans | 179.3860% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 2,930 |
| Noncurrent loans to loans | 0.6350% | 2,804 |
| Net loans and leases to total assets | 82.9126% | 557 |
| Net loans and leases to deposits | 94.8651% | 1,215 |
| Net loans and leases to core deposits | 105.7556% | 1,291 |
| Total domestic deposits to total assets | 87.4005% | 1,669 |
| Equity capital to assets | 8.0491% | 5,505 |
| Core capital (leverage) ratio | 8.3808% | 5,326 |
| Tier 1 risk-based capital ratio | 9.6031% | 5,661 |
| Total risk-based capital ratio | 10.7435% | 5,649 |
| Memoranda: | ||
| Average total assets | $166,645,750 | 3,305 |
| Average earning assets | $156,721,500 | 3,270 |
| Average equity | $13,419,250 | 3,969 |
| Average total loans | $141,131,500 | 2,786 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 2,385 |
| Cost of funding earning assets | 0.5559% | 1,739 |
| Net interest margin | 3.6673% | 2,763 |
| Noninterest income to average assets | 0.3695% | 3,911 |
| Noninterest expense to average assets | 2.3803% | 4,114 |
| Loan and lease loss provision to assets | 1.2356% | 80 |
| Net operating income to assets | 0.1357% | 5,459 |
| Return on assets (ROA) | 0.1357% | 5,460 |
| Pretax return on assets | 0.2059% | 5,427 |
| Return on Equity (ROE) | 1.6845% | 5,387 |
| Retained earnings to average equity (ytd only) | 1.6845% | 4,584 |
| Net charge-offs to loans | 1.4141% | 131 |
| Credit loss provision to net charge-offs | 102.8226% | 1,971 |
| Earnings coverage of net charge-offs (x) | 1.1996% | 3,310 |
| Efficiency ratio | 62.2821% | 3,946 |
| Assets per employee ($millions) | 4.2276% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 3,200 |
| Loan loss allowance to noncurrent loans | 168.5015% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 2,732 |
| Noncurrent loans to loans | 0.6936% | 2,677 |
| Net loans and leases to total assets | 87.0146% | 204 |
| Net loans and leases to deposits | 98.8726% | 821 |
| Net loans and leases to core deposits | 112.3597% | 885 |
| Total domestic deposits to total assets | 88.0068% | 1,457 |
| Equity capital to assets | 8.3760% | 5,364 |
| Core capital (leverage) ratio | 8.3038% | 5,352 |
| Tier 1 risk-based capital ratio | 9.5801% | 5,703 |
| Total risk-based capital ratio | 10.7581% | 5,695 |
| Memoranda: | ||
| Average total assets | $165,107,330 | 3,339 |
| Average earning assets | $155,428,670 | 3,299 |
| Average equity | $13,297,330 | 3,995 |
| Average total loans | $140,297,670 | 2,797 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 2,379 |
| Cost of funding earning assets | 0.5488% | 1,723 |
| Net interest margin | 3.6230% | 2,810 |
| Noninterest income to average assets | 0.3490% | 4,052 |
| Noninterest expense to average assets | 2.3880% | 4,153 |
| Loan and lease loss provision to assets | 2.2948% | 31 |
| Net operating income to assets | -0.6167% | 5,753 |
| Return on assets (ROA) | -0.6167% | 5,752 |
| Pretax return on assets | -0.9251% | 5,769 |
| Return on Equity (ROE) | -7.8075% | 5,769 |
| Retained earnings to average equity (ytd only) | -7.8075% | 5,516 |
| Net charge-offs to loans | 2.8399% | 56 |
| Credit loss provision to net charge-offs | 96.7742% | 1,640 |
| Earnings coverage of net charge-offs (x) | 0.5776% | 2,809 |
| Efficiency ratio | 63.5496% | 3,909 |
| Assets per employee ($millions) | 4.4450% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 3,335 |
| Loan loss allowance to noncurrent loans | 116.9604% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 2,228 |
| Noncurrent loans to loans | 0.9964% | 2,057 |
| Net loans and leases to total assets | 82.1457% | 551 |
| Net loans and leases to deposits | 93.7928% | 1,128 |
| Net loans and leases to core deposits | 106.0065% | 1,098 |
| Total domestic deposits to total assets | 87.5822% | 1,954 |
| Equity capital to assets | 7.9585% | 5,539 |
| Core capital (leverage) ratio | 7.7809% | 5,638 |
| Tier 1 risk-based capital ratio | 9.5565% | 5,766 |
| Total risk-based capital ratio | 10.7210% | 5,765 |
| Memoranda: | ||
| Average total assets | $167,336,000 | 3,337 |
| Average earning assets | $157,440,500 | 3,306 |
| Average equity | $13,218,000 | 4,027 |
| Average total loans | $139,725,500 | 2,825 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,364 |
| Cost of funding earning assets | 0.4809% | 2,249 |
| Net interest margin | 3.7552% | 2,482 |
| Noninterest income to average assets | 0.4136% | 3,786 |
| Noninterest expense to average assets | 2.4464% | 4,175 |
| Loan and lease loss provision to assets | 0.1324% | 1,883 |
| Net operating income to assets | 0.8979% | 2,836 |
| Return on assets (ROA) | 0.8979% | 2,958 |
| Pretax return on assets | 1.3600% | 2,065 |
| Return on Equity (ROE) | 11.1351% | 1,531 |
| Retained earnings to average equity (ytd only) | 8.7892% | 631 |
| Net charge-offs to loans | -0.0323% | 5,272 |
| Credit loss provision to net charge-offs | -477.2727% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1098% | 4,227 |
| Assets per employee ($millions) | 4.4791% | 3,146 |
| Cash dividends to net income (ytd only)* | 21.0674% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 3,499 |
| Loan loss allowance to noncurrent loans | 219.8917% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 3,529 |
| Noncurrent loans to loans | 0.5177% | 3,297 |
| Net loans and leases to total assets | 82.9179% | 488 |
| Net loans and leases to deposits | 93.4711% | 1,248 |
| Net loans and leases to core deposits | 105.5832% | 1,160 |
| Total domestic deposits to total assets | 88.7096% | 1,265 |
| Equity capital to assets | 7.8416% | 5,623 |
| Core capital (leverage) ratio | 8.0247% | 5,607 |
| Tier 1 risk-based capital ratio | 9.4139% | 5,824 |
| Total risk-based capital ratio | 10.5614% | 5,836 |
| Memoranda: | ||
| Average total assets | $158,599,000 | 3,412 |
| Average earning assets | $148,885,000 | 3,385 |
| Average equity | $12,788,400 | 4,124 |
| Average total loans | $136,213,400 | 2,826 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,353 |
| Cost of funding earning assets | 0.4662% | 2,410 |
| Net interest margin | 3.7804% | 2,410 |
| Noninterest income to average assets | 0.4205% | 3,770 |
| Noninterest expense to average assets | 2.4440% | 4,152 |
| Loan and lease loss provision to assets | 0.1285% | 1,817 |
| Net operating income to assets | 0.9283% | 2,761 |
| Return on assets (ROA) | 0.9283% | 2,884 |
| Pretax return on assets | 1.3967% | 2,044 |
| Return on Equity (ROE) | 11.4264% | 1,512 |
| Retained earnings to average equity (ytd only) | 8.2641% | 1,057 |
| Net charge-offs to loans | -0.0317% | 5,186 |
| Credit loss provision to net charge-offs | -468.7500% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5750% | 4,299 |
| Assets per employee ($millions) | 4.4940% | 3,095 |
| Cash dividends to net income (ytd only)* | 27.6752% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,885 |
| Loan loss allowance to noncurrent loans | 183.7870% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 3,420 |
| Noncurrent loans to loans | 0.5930% | 3,228 |
| Net loans and leases to total assets | 84.7676% | 343 |
| Net loans and leases to deposits | 96.0981% | 1,038 |
| Net loans and leases to core deposits | 108.1113% | 1,045 |
| Total domestic deposits to total assets | 88.2094% | 1,294 |
| Equity capital to assets | 7.8453% | 5,783 |
| Core capital (leverage) ratio | 8.2078% | 5,571 |
| Tier 1 risk-based capital ratio | 9.2237% | 5,906 |
| Total risk-based capital ratio | 10.3264% | 5,918 |
| Memoranda: | ||
| Average total assets | $155,697,000 | 3,455 |
| Average earning assets | $146,155,750 | 3,431 |
| Average equity | $12,648,750 | 4,185 |
| Average total loans | $134,577,500 | 2,855 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 2,314 |
| Cost of funding earning assets | 0.4569% | 2,499 |
| Net interest margin | 3.7982% | 2,322 |
| Noninterest income to average assets | 0.4245% | 3,698 |
| Noninterest expense to average assets | 2.4880% | 4,062 |
| Loan and lease loss provision to assets | 0.0789% | 2,570 |
| Net operating income to assets | 0.9424% | 2,662 |
| Return on assets (ROA) | 0.9424% | 2,803 |
| Pretax return on assets | 1.4195% | 1,948 |
| Return on Equity (ROE) | 11.4567% | 1,491 |
| Retained earnings to average equity (ytd only) | 8.2610% | 1,086 |
| Net charge-offs to loans | -0.0333% | 5,178 |
| Credit loss provision to net charge-offs | -272.7273% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4135% | 4,282 |
| Assets per employee ($millions) | 4.1958% | 3,574 |
| Cash dividends to net income (ytd only)* | 27.8940% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 4,188 |
| Loan loss allowance to noncurrent loans | 94.5964% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.9894% | 2,161 |
| Noncurrent loans to loans | 1.1167% | 2,060 |
| Net loans and leases to total assets | 87.6602% | 154 |
| Net loans and leases to deposits | 100.0883% | 692 |
| Net loans and leases to core deposits | 104.2716% | 1,294 |
| Total domestic deposits to total assets | 87.5829% | 1,633 |
| Equity capital to assets | 8.2398% | 5,720 |
| Core capital (leverage) ratio | 8.2961% | 5,540 |
| Tier 1 risk-based capital ratio | 9.2519% | 5,979 |
| Total risk-based capital ratio | 10.3084% | 5,995 |
| Memoranda: | ||
| Average total assets | $152,170,330 | 3,526 |
| Average earning assets | $142,700,000 | 3,501 |
| Average equity | $12,516,670 | 4,229 |
| Average total loans | $131,936,000 | 2,904 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,323 |
| Cost of funding earning assets | 0.4465% | 2,622 |
| Net interest margin | 3.7970% | 2,297 |
| Noninterest income to average assets | 0.4063% | 3,777 |
| Noninterest expense to average assets | 2.4961% | 4,078 |
| Loan and lease loss provision to assets | 0.0797% | 2,367 |
| Net operating income to assets | 0.9108% | 2,698 |
| Return on assets (ROA) | 0.9108% | 2,819 |
| Pretax return on assets | 1.3755% | 1,979 |
| Return on Equity (ROE) | 11.0833% | 1,575 |
| Retained earnings to average equity (ytd only) | 7.8520% | 1,524 |
| Net charge-offs to loans | -0.0372% | 5,171 |
| Credit loss provision to net charge-offs | -250.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1720% | 4,280 |
| Assets per employee ($millions) | 4.2166% | 3,554 |
| Cash dividends to net income (ytd only)* | 29.1545% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 4,203 |
| Loan loss allowance to noncurrent loans | 151.2848% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 3,221 |
| Noncurrent loans to loans | 0.7100% | 3,072 |
| Net loans and leases to total assets | 85.7324% | 238 |
| Net loans and leases to deposits | 100.8001% | 580 |
| Net loans and leases to core deposits | 114.3202% | 657 |
| Total domestic deposits to total assets | 85.0519% | 3,115 |
| Equity capital to assets | 8.2418% | 5,718 |
| Core capital (leverage) ratio | 8.4437% | 5,447 |
| Tier 1 risk-based capital ratio | 9.4225% | 6,014 |
| Total risk-based capital ratio | 10.4919% | 6,034 |
| Memoranda: | ||
| Average total assets | $150,632,500 | 3,574 |
| Average earning assets | $140,639,000 | 3,550 |
| Average equity | $12,379,000 | 4,268 |
| Average total loans | $129,133,000 | 2,948 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 2,781 |
| Cost of funding earning assets | 0.3899% | 3,265 |
| Net interest margin | 3.7474% | 2,569 |
| Noninterest income to average assets | 0.4476% | 3,693 |
| Noninterest expense to average assets | 2.5711% | 4,019 |
| Loan and lease loss provision to assets | 0.0839% | 2,614 |
| Net operating income to assets | 0.8195% | 3,250 |
| Return on assets (ROA) | 0.8204% | 3,324 |
| Pretax return on assets | 1.2422% | 2,496 |
| Return on Equity (ROE) | 9.9447% | 2,031 |
| Retained earnings to average equity (ytd only) | 6.5535% | 1,510 |
| Net charge-offs to loans | -0.0267% | 5,358 |
| Credit loss provision to net charge-offs | -375.0000% | 5,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9964% | 3,904 |
| Assets per employee ($millions) | 4.1518% | 3,658 |
| Cash dividends to net income (ytd only)* | 34.1006% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 4,137 |
| Loan loss allowance to noncurrent loans | 138.6249% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 3,060 |
| Noncurrent loans to loans | 0.7805% | 2,834 |
| Net loans and leases to total assets | 83.8592% | 406 |
| Net loans and leases to deposits | 95.4506% | 1,073 |
| Net loans and leases to core deposits | 107.2235% | 1,028 |
| Total domestic deposits to total assets | 87.8561% | 1,714 |
| Equity capital to assets | 8.1938% | 5,765 |
| Core capital (leverage) ratio | 8.3114% | 5,593 |
| Tier 1 risk-based capital ratio | 9.4841% | 6,046 |
| Total risk-based capital ratio | 10.5493% | 6,065 |
| Memoranda: | ||
| Average total assets | $142,974,200 | 3,676 |
| Average earning assets | $131,558,400 | 3,668 |
| Average equity | $11,795,200 | 4,342 |
| Average total loans | $119,758,200 | 3,050 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,572 |
| Cost of funding earning assets | 0.3832% | 3,398 |
| Net interest margin | 3.8162% | 2,326 |
| Noninterest income to average assets | 0.4546% | 3,678 |
| Noninterest expense to average assets | 2.5977% | 3,891 |
| Loan and lease loss provision to assets | 0.0849% | 2,466 |
| Net operating income to assets | 0.8430% | 3,203 |
| Return on assets (ROA) | 0.8442% | 3,284 |
| Pretax return on assets | 1.2781% | 2,482 |
| Return on Equity (ROE) | 10.2146% | 2,017 |
| Retained earnings to average equity (ytd only) | 5.6494% | 2,486 |
| Net charge-offs to loans | -0.0305% | 5,364 |
| Credit loss provision to net charge-offs | -333.3333% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6183% | 3,957 |
| Assets per employee ($millions) | 4.0592% | 3,785 |
| Cash dividends to net income (ytd only)* | 44.6929% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 4,280 |
| Loan loss allowance to noncurrent loans | 143.6559% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 3,066 |
| Noncurrent loans to loans | 0.7597% | 3,063 |
| Net loans and leases to total assets | 82.8544% | 492 |
| Net loans and leases to deposits | 94.4107% | 1,153 |
| Net loans and leases to core deposits | 106.3544% | 1,073 |
| Total domestic deposits to total assets | 87.7596% | 1,677 |
| Equity capital to assets | 8.2091% | 5,867 |
| Core capital (leverage) ratio | 8.4250% | 5,608 |
| Tier 1 risk-based capital ratio | 9.6089% | 6,126 |
| Total risk-based capital ratio | 10.6851% | 6,133 |
| Memoranda: | ||
| Average total assets | $141,351,250 | 3,730 |
| Average earning assets | $129,793,750 | 3,735 |
| Average equity | $11,682,250 | 4,410 |
| Average total loans | $118,019,750 | 3,106 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 2,641 |
| Cost of funding earning assets | 0.3777% | 3,525 |
| Net interest margin | 3.7940% | 2,339 |
| Noninterest income to average assets | 0.4479% | 3,723 |
| Noninterest expense to average assets | 2.6160% | 3,865 |
| Loan and lease loss provision to assets | 0.0859% | 2,396 |
| Net operating income to assets | 0.8186% | 3,291 |
| Return on assets (ROA) | 0.8186% | 3,396 |
| Pretax return on assets | 1.2393% | 2,605 |
| Return on Equity (ROE) | 9.8811% | 2,129 |
| Retained earnings to average equity (ytd only) | 2.9712% | 4,145 |
| Net charge-offs to loans | -0.0343% | 5,379 |
| Credit loss provision to net charge-offs | -300.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3762% | 3,951 |
| Assets per employee ($millions) | 3.6737% | 4,484 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 4,364 |
| Loan loss allowance to noncurrent loans | 217.5879% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 3,823 |
| Noncurrent loans to loans | 0.5018% | 3,955 |
| Net loans and leases to total assets | 84.2866% | 351 |
| Net loans and leases to deposits | 97.5655% | 829 |
| Net loans and leases to core deposits | 111.0456% | 784 |
| Total domestic deposits to total assets | 86.3898% | 2,492 |
| Equity capital to assets | 8.3610% | 5,789 |
| Core capital (leverage) ratio | 8.2641% | 5,739 |
| Tier 1 risk-based capital ratio | 9.7064% | 6,158 |
| Total risk-based capital ratio | 10.7928% | 6,174 |
| Memoranda: | ||
| Average total assets | $139,758,000 | 3,786 |
| Average earning assets | $128,677,000 | 3,783 |
| Average equity | $11,577,670 | 4,457 |
| Average total loans | $116,555,670 | 3,144 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 2,892 |
| Cost of funding earning assets | 0.3691% | 3,658 |
| Net interest margin | 3.7165% | 2,567 |
| Noninterest income to average assets | 0.4520% | 3,625 |
| Noninterest expense to average assets | 2.6374% | 3,796 |
| Loan and lease loss provision to assets | 0.0858% | 2,258 |
| Net operating income to assets | 0.7437% | 3,576 |
| Return on assets (ROA) | 0.7437% | 3,702 |
| Pretax return on assets | 1.1270% | 2,962 |
| Return on Equity (ROE) | 9.0196% | 2,435 |
| Retained earnings to average equity (ytd only) | 2.0814% | 4,632 |
| Net charge-offs to loans | -0.0451% | 5,469 |
| Credit loss provision to net charge-offs | -230.7692% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4993% | 3,740 |
| Assets per employee ($millions) | 3.8595% | 4,232 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 4,609 |
| Loan loss allowance to noncurrent loans | 206.8852% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 3,890 |
| Noncurrent loans to loans | 0.5230% | 4,005 |
| Net loans and leases to total assets | 80.7924% | 592 |
| Net loans and leases to deposits | 91.7655% | 1,214 |
| Net loans and leases to core deposits | 101.8818% | 1,188 |
| Total domestic deposits to total assets | 88.0423% | 1,795 |
| Equity capital to assets | 8.1014% | 5,986 |
| Core capital (leverage) ratio | 8.3398% | 5,686 |
| Tier 1 risk-based capital ratio | 8.9310% | 6,323 |
| Total risk-based capital ratio | 9.9116% | 6,335 |
| Memoranda: | ||
| Average total assets | $139,836,500 | 3,813 |
| Average earning assets | $127,861,500 | 3,833 |
| Average equity | $11,530,500 | 4,504 |
| Average total loans | $115,351,500 | 3,172 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 2,138 |
| Cost of funding earning assets | 0.3858% | 3,842 |
| Net interest margin | 4.0398% | 1,775 |
| Noninterest income to average assets | 0.5168% | 3,382 |
| Noninterest expense to average assets | 2.6830% | 3,928 |
| Loan and lease loss provision to assets | 0.0679% | 3,128 |
| Net operating income to assets | 0.9718% | 2,516 |
| Return on assets (ROA) | 0.9718% | 2,602 |
| Pretax return on assets | 1.4712% | 1,649 |
| Return on Equity (ROE) | 11.4607% | 1,571 |
| Retained earnings to average equity (ytd only) | 4.3423% | 3,097 |
| Net charge-offs to loans | 0.1545% | 2,491 |
| Credit loss provision to net charge-offs | 52.0231% | 3,442 |
| Earnings coverage of net charge-offs (x) | 11.7919% | 2,451 |
| Efficiency ratio | 63.5454% | 4,657 |
| Assets per employee ($millions) | 3.8019% | 4,339 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 4,703 |
| Loan loss allowance to noncurrent loans | 217.2906% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 4,054 |
| Noncurrent loans to loans | 0.4918% | 4,185 |
| Net loans and leases to total assets | 82.4490% | 477 |
| Net loans and leases to deposits | 94.2387% | 1,056 |
| Net loans and leases to core deposits | 105.4901% | 1,050 |
| Total domestic deposits to total assets | 87.4896% | 2,036 |
| Equity capital to assets | 8.3963% | 5,830 |
| Core capital (leverage) ratio | 8.3713% | 5,699 |
| Tier 1 risk-based capital ratio | 9.6333% | 6,335 |
| Total risk-based capital ratio | 10.6604% | 6,345 |
| Memoranda: | ||
| Average total assets | $132,540,600 | 3,932 |
| Average earning assets | $121,565,400 | 3,927 |
| Average equity | $11,238,400 | 4,516 |
| Average total loans | $111,954,000 | 3,182 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,232 |
| Cost of funding earning assets | 0.3864% | 3,938 |
| Net interest margin | 4.0112% | 1,846 |
| Noninterest income to average assets | 0.5254% | 3,358 |
| Noninterest expense to average assets | 2.6654% | 3,963 |
| Loan and lease loss provision to assets | 0.0609% | 3,143 |
| Net operating income to assets | 0.9798% | 2,545 |
| Return on assets (ROA) | 0.9798% | 2,616 |
| Pretax return on assets | 1.4838% | 1,697 |
| Return on Equity (ROE) | 11.5255% | 1,619 |
| Retained earnings to average equity (ytd only) | 4.3668% | 3,546 |
| Net charge-offs to loans | 0.1508% | 2,284 |
| Credit loss provision to net charge-offs | 47.6190% | 3,145 |
| Earnings coverage of net charge-offs (x) | 12.0870% | 2,351 |
| Efficiency ratio | 63.3100% | 4,661 |
| Assets per employee ($millions) | 3.6245% | 4,626 |
| Cash dividends to net income (ytd only)* | 62.1117% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 4,909 |
| Loan loss allowance to noncurrent loans | 94.1356% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 2,743 |
| Noncurrent loans to loans | 1.1323% | 2,793 |
| Net loans and leases to total assets | 85.5494% | 222 |
| Net loans and leases to deposits | 97.9476% | 741 |
| Net loans and leases to core deposits | 110.5612% | 720 |
| Total domestic deposits to total assets | 87.3420% | 2,129 |
| Equity capital to assets | 8.4792% | 5,811 |
| Core capital (leverage) ratio | 8.4232% | 5,731 |
| Tier 1 risk-based capital ratio | 9.4671% | 6,442 |
| Total risk-based capital ratio | 10.5016% | 6,448 |
| Memoranda: | ||
| Average total assets | $131,458,250 | 3,978 |
| Average earning assets | $120,760,000 | 3,971 |
| Average equity | $11,175,000 | 4,556 |
| Average total loans | $111,425,750 | 3,208 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 2,315 |
| Cost of funding earning assets | 0.3767% | 4,143 |
| Net interest margin | 3.9879% | 1,846 |
| Noninterest income to average assets | 0.5238% | 3,311 |
| Noninterest expense to average assets | 2.7157% | 3,805 |
| Loan and lease loss provision to assets | 0.0460% | 3,395 |
| Net operating income to assets | 0.9313% | 2,646 |
| Return on assets (ROA) | 0.9313% | 2,748 |
| Pretax return on assets | 1.4107% | 1,854 |
| Return on Equity (ROE) | 10.9454% | 1,756 |
| Retained earnings to average equity (ytd only) | 3.7445% | 3,809 |
| Net charge-offs to loans | 0.2311% | 1,653 |
| Credit loss provision to net charge-offs | 23.6220% | 3,139 |
| Earnings coverage of net charge-offs (x) | 7.4882% | 2,619 |
| Efficiency ratio | 65.0881% | 4,516 |
| Assets per employee ($millions) | 3.5725% | 4,714 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 5,040 |
| Loan loss allowance to noncurrent loans | 137.8719% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 3,607 |
| Noncurrent loans to loans | 0.7729% | 3,771 |
| Net loans and leases to total assets | 84.6387% | 258 |
| Net loans and leases to deposits | 98.9274% | 609 |
| Net loans and leases to core deposits | 106.8078% | 842 |
| Total domestic deposits to total assets | 85.5564% | 3,264 |
| Equity capital to assets | 8.4890% | 5,812 |
| Core capital (leverage) ratio | 8.5020% | 5,638 |
| Tier 1 risk-based capital ratio | 9.7435% | 6,461 |
| Total risk-based capital ratio | 10.7961% | 6,470 |
| Memoranda: | ||
| Average total assets | $130,576,000 | 4,021 |
| Average earning assets | $119,462,000 | 4,024 |
| Average equity | $11,109,670 | 4,585 |
| Average total loans | $109,913,670 | 3,249 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 2,431 |
| Cost of funding earning assets | 0.3657% | 4,372 |
| Net interest margin | 3.9583% | 1,895 |
| Noninterest income to average assets | 0.5147% | 3,299 |
| Noninterest expense to average assets | 2.7463% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9031% | 2,632 |
| Return on assets (ROA) | 0.9031% | 2,702 |
| Pretax return on assets | 1.3716% | 1,847 |
| Return on Equity (ROE) | 10.6025% | 1,821 |
| Retained earnings to average equity (ytd only) | 3.3653% | 4,107 |
| Net charge-offs to loans | 0.4689% | 772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.5039% | 2,675 |
| Efficiency ratio | 66.6916% | 4,415 |
| Assets per employee ($millions) | 3.7555% | 4,408 |
| Cash dividends to net income (ytd only)* | 68.2594% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 5,241 |
| Loan loss allowance to noncurrent loans | 107.8972% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9540% | 3,343 |
| Noncurrent loans to loans | 0.9926% | 3,435 |
| Net loans and leases to total assets | 82.5705% | 321 |
| Net loans and leases to deposits | 93.9517% | 800 |
| Net loans and leases to core deposits | 100.8587% | 1,042 |
| Total domestic deposits to total assets | 87.8861% | 2,294 |
| Equity capital to assets | 8.4416% | 5,703 |
| Core capital (leverage) ratio | 8.5743% | 5,556 |
| Tier 1 risk-based capital ratio | 9.8679% | 6,504 |
| Total risk-based capital ratio | 10.9181% | 6,509 |
| Memoranda: | ||
| Average total assets | $129,772,500 | 4,072 |
| Average earning assets | $118,132,500 | 4,091 |
| Average equity | $11,054,000 | 4,600 |
| Average total loans | $108,329,000 | 3,296 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 3,094 |
| Cost of funding earning assets | 0.4471% | 4,143 |
| Net interest margin | 3.8173% | 2,586 |
| Noninterest income to average assets | 0.5831% | 3,191 |
| Noninterest expense to average assets | 2.6609% | 4,237 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8997% | 2,781 |
| Return on assets (ROA) | 0.8997% | 2,871 |
| Pretax return on assets | 1.3540% | 1,951 |
| Return on Equity (ROE) | 11.0728% | 1,744 |
| Retained earnings to average equity (ytd only) | 4.8547% | 2,697 |
| Net charge-offs to loans | -0.0089% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2752% | 4,511 |
| Assets per employee ($millions) | 3.6600% | 4,565 |
| Cash dividends to net income (ytd only)* | 56.1564% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 4,555 |
| Loan loss allowance to noncurrent loans | 129.1667% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 3,603 |
| Noncurrent loans to loans | 0.9425% | 3,632 |
| Net loans and leases to total assets | 82.4716% | 368 |
| Net loans and leases to deposits | 91.5089% | 1,112 |
| Net loans and leases to core deposits | 98.1147% | 1,296 |
| Total domestic deposits to total assets | 90.1242% | 1,017 |
| Equity capital to assets | 8.5963% | 5,478 |
| Core capital (leverage) ratio | 8.3058% | 5,867 |
| Tier 1 risk-based capital ratio | 9.8401% | 6,551 |
| Total risk-based capital ratio | 11.0105% | 6,534 |
| Memoranda: | ||
| Average total assets | $133,602,400 | 4,006 |
| Average earning assets | $120,110,200 | 4,044 |
| Average equity | $10,855,400 | 4,665 |
| Average total loans | $101,351,800 | 3,421 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 3,322 |
| Cost of funding earning assets | 0.4563% | 4,199 |
| Net interest margin | 3.7602% | 2,800 |
| Noninterest income to average assets | 0.5700% | 3,334 |
| Noninterest expense to average assets | 2.5979% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8920% | 2,873 |
| Return on assets (ROA) | 0.8920% | 2,989 |
| Pretax return on assets | 1.3424% | 2,158 |
| Return on Equity (ROE) | 11.1311% | 1,778 |
| Retained earnings to average equity (ytd only) | 7.7412% | 1,527 |
| Net charge-offs to loans | -0.0053% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9313% | 4,499 |
| Assets per employee ($millions) | 3.6484% | 4,560 |
| Cash dividends to net income (ytd only)* | 30.4542% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 4,778 |
| Loan loss allowance to noncurrent loans | 128.4158% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 3,777 |
| Noncurrent loans to loans | 0.9508% | 3,913 |
| Net loans and leases to total assets | 79.8864% | 563 |
| Net loans and leases to deposits | 90.2900% | 1,133 |
| Net loans and leases to core deposits | 96.3995% | 1,358 |
| Total domestic deposits to total assets | 88.4776% | 1,850 |
| Equity capital to assets | 8.4526% | 5,785 |
| Core capital (leverage) ratio | 8.4096% | 5,850 |
| Tier 1 risk-based capital ratio | 10.0595% | 6,584 |
| Total risk-based capital ratio | 11.2405% | 6,562 |
| Memoranda: | ||
| Average total assets | $134,977,750 | 4,015 |
| Average earning assets | $120,982,750 | 4,075 |
| Average equity | $10,816,250 | 4,728 |
| Average total loans | $99,952,500 | 3,477 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 3,604 |
| Cost of funding earning assets | 0.4694% | 4,216 |
| Net interest margin | 3.6665% | 3,095 |
| Noninterest income to average assets | 0.5404% | 3,566 |
| Noninterest expense to average assets | 2.5905% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8180% | 3,209 |
| Return on assets (ROA) | 0.8180% | 3,363 |
| Pretax return on assets | 1.2306% | 2,557 |
| Return on Equity (ROE) | 10.3908% | 2,045 |
| Retained earnings to average equity (ytd only) | 8.0589% | 1,460 |
| Net charge-offs to loans | 0.0061% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 279.3333% | 182 |
| Efficiency ratio | 67.7940% | 4,217 |
| Assets per employee ($millions) | 3.5475% | 4,760 |
| Cash dividends to net income (ytd only)* | 22.4417% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 4,572 |
| Loan loss allowance to noncurrent loans | 129.2585% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 3,721 |
| Noncurrent loans to loans | 0.9952% | 3,945 |
| Net loans and leases to total assets | 73.4350% | 1,337 |
| Net loans and leases to deposits | 81.4142% | 2,127 |
| Net loans and leases to core deposits | 86.0802% | 2,327 |
| Total domestic deposits to total assets | 90.1992% | 909 |
| Equity capital to assets | 8.1036% | 6,126 |
| Core capital (leverage) ratio | 8.0246% | 6,171 |
| Tier 1 risk-based capital ratio | 10.5307% | 6,492 |
| Total risk-based capital ratio | 11.7806% | 6,468 |
| Memoranda: | ||
| Average total assets | $136,189,000 | 4,019 |
| Average earning assets | $121,860,330 | 4,084 |
| Average equity | $10,721,000 | 4,789 |
| Average total loans | $97,862,330 | 3,544 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 3,789 |
| Cost of funding earning assets | 0.5019% | 4,064 |
| Net interest margin | 3.5822% | 3,332 |
| Noninterest income to average assets | 0.5231% | 3,617 |
| Noninterest expense to average assets | 2.5570% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7686% | 3,340 |
| Return on assets (ROA) | 0.7686% | 3,480 |
| Pretax return on assets | 1.1572% | 2,737 |
| Return on Equity (ROE) | 9.9063% | 2,101 |
| Retained earnings to average equity (ytd only) | 5.1980% | 3,114 |
| Net charge-offs to loans | -0.0124% | 5,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8434% | 4,170 |
| Assets per employee ($millions) | 3.8517% | 4,251 |
| Cash dividends to net income (ytd only)* | 47.5285% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 4,609 |
| Loan loss allowance to noncurrent loans | 178.1293% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 4,330 |
| Noncurrent loans to loans | 0.7392% | 4,653 |
| Net loans and leases to total assets | 71.9920% | 1,351 |
| Net loans and leases to deposits | 80.0870% | 2,057 |
| Net loans and leases to core deposits | 84.0276% | 2,316 |
| Total domestic deposits to total assets | 89.8923% | 1,113 |
| Equity capital to assets | 7.9231% | 6,421 |
| Core capital (leverage) ratio | 7.5794% | 6,433 |
| Tier 1 risk-based capital ratio | 10.3919% | 6,607 |
| Total risk-based capital ratio | 11.6420% | 6,595 |
| Memoranda: | ||
| Average total assets | $136,881,000 | 4,042 |
| Average earning assets | $121,935,000 | 4,116 |
| Average equity | $10,619,500 | 4,855 |
| Average total loans | $96,651,500 | 3,603 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 3,488 |
| Cost of funding earning assets | 0.6128% | 4,231 |
| Net interest margin | 3.8666% | 2,964 |
| Noninterest income to average assets | 0.5693% | 3,450 |
| Noninterest expense to average assets | 2.5570% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9873% | 2,394 |
| Return on assets (ROA) | 0.9873% | 2,615 |
| Pretax return on assets | 1.4840% | 1,732 |
| Return on Equity (ROE) | 12.3563% | 1,401 |
| Retained earnings to average equity (ytd only) | 2.7926% | 4,273 |
| Net charge-offs to loans | 0.2092% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 9.7100% | 2,235 |
| Efficiency ratio | 63.2753% | 5,024 |
| Assets per employee ($millions) | 3.9701% | 4,008 |
| Cash dividends to net income (ytd only)* | 77.3994% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 4,345 |
| Loan loss allowance to noncurrent loans | 195.3172% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 4,499 |
| Noncurrent loans to loans | 0.6972% | 4,800 |
| Net loans and leases to total assets | 67.4065% | 2,295 |
| Net loans and leases to deposits | 74.2658% | 3,050 |
| Net loans and leases to core deposits | 77.7566% | 3,294 |
| Total domestic deposits to total assets | 90.7638% | 586 |
| Equity capital to assets | 7.5982% | 6,594 |
| Core capital (leverage) ratio | 7.8898% | 6,288 |
| Tier 1 risk-based capital ratio | 10.5338% | 6,542 |
| Total risk-based capital ratio | 11.7845% | 6,513 |
| Memoranda: | ||
| Average total assets | $130,858,800 | 4,132 |
| Average earning assets | $117,494,400 | 4,178 |
| Average equity | $10,456,200 | 4,877 |
| Average total loans | $95,590,600 | 3,629 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 3,240 |
| Cost of funding earning assets | 0.6359% | 4,310 |
| Net interest margin | 3.9563% | 2,680 |
| Noninterest income to average assets | 0.5857% | 3,379 |
| Noninterest expense to average assets | 2.5200% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0980% | 2,092 |
| Return on assets (ROA) | 1.0980% | 2,297 |
| Pretax return on assets | 1.6393% | 1,455 |
| Return on Equity (ROE) | 13.5621% | 1,208 |
| Retained earnings to average equity (ytd only) | 3.9754% | 4,084 |
| Net charge-offs to loans | 0.0655% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 33.6995% | 997 |
| Efficiency ratio | 60.5872% | 5,395 |
| Assets per employee ($millions) | 3.7900% | 4,326 |
| Cash dividends to net income (ytd only)* | 70.6884% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 3,845 |
| Loan loss allowance to noncurrent loans | 380.5263% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 5,626 |
| Noncurrent loans to loans | 0.4003% | 5,655 |
| Net loans and leases to total assets | 70.4674% | 1,817 |
| Net loans and leases to deposits | 79.1933% | 2,513 |
| Net loans and leases to core deposits | 83.1680% | 2,802 |
| Total domestic deposits to total assets | 88.9815% | 1,438 |
| Equity capital to assets | 7.9849% | 6,599 |
| Core capital (leverage) ratio | 8.2580% | 6,076 |
| Tier 1 risk-based capital ratio | 10.5573% | 6,647 |
| Total risk-based capital ratio | 11.8104% | 6,629 |
| Memoranda: | ||
| Average total assets | $128,835,000 | 4,213 |
| Average earning assets | $116,367,500 | 4,237 |
| Average equity | $10,430,750 | 4,932 |
| Average total loans | $95,749,000 | 3,660 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 3,268 |
| Cost of funding earning assets | 0.6646% | 4,327 |
| Net interest margin | 3.9566% | 2,693 |
| Noninterest income to average assets | 0.5691% | 3,456 |
| Noninterest expense to average assets | 2.5493% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0865% | 2,097 |
| Return on assets (ROA) | 1.0865% | 2,319 |
| Pretax return on assets | 1.6227% | 1,483 |
| Return on Equity (ROE) | 13.3565% | 1,263 |
| Retained earnings to average equity (ytd only) | 3.7198% | 4,122 |
| Net charge-offs to loans | 0.2062% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.4545% | 2,045 |
| Efficiency ratio | 61.1048% | 5,406 |
| Assets per employee ($millions) | 3.8753% | 4,136 |
| Cash dividends to net income (ytd only)* | 72.1501% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 4,236 |
| Loan loss allowance to noncurrent loans | 182.9396% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 5,005 |
| Noncurrent loans to loans | 0.7945% | 4,924 |
| Net loans and leases to total assets | 71.7284% | 1,600 |
| Net loans and leases to deposits | 80.1136% | 2,364 |
| Net loans and leases to core deposits | 84.1802% | 2,665 |
| Total domestic deposits to total assets | 89.5333% | 1,205 |
| Equity capital to assets | 7.9508% | 6,593 |
| Core capital (leverage) ratio | 8.1413% | 6,110 |
| Tier 1 risk-based capital ratio | 10.4990% | 6,693 |
| Total risk-based capital ratio | 11.7514% | 6,679 |
| Memoranda: | ||
| Average total assets | $127,563,330 | 4,260 |
| Average earning assets | $116,161,670 | 4,271 |
| Average equity | $10,377,000 | 4,944 |
| Average total loans | $96,025,000 | 3,666 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 3,033 |
| Cost of funding earning assets | 0.6990% | 4,288 |
| Net interest margin | 4.0068% | 2,477 |
| Noninterest income to average assets | 0.5611% | 3,490 |
| Noninterest expense to average assets | 2.5920% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0617% | 2,248 |
| Return on assets (ROA) | 1.0617% | 2,442 |
| Pretax return on assets | 1.5877% | 1,611 |
| Return on Equity (ROE) | 12.8976% | 1,433 |
| Retained earnings to average equity (ytd only) | 3.2147% | 4,637 |
| Net charge-offs to loans | -0.0250% | 6,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0137% | 5,269 |
| Assets per employee ($millions) | 3.7002% | 4,648 |
| Cash dividends to net income (ytd only)* | 75.0751% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 3,889 |
| Loan loss allowance to noncurrent loans | 210.5337% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 5,164 |
| Noncurrent loans to loans | 0.7413% | 5,185 |
| Net loans and leases to total assets | 73.0097% | 1,225 |
| Net loans and leases to deposits | 81.9029% | 1,946 |
| Net loans and leases to core deposits | 85.8206% | 2,311 |
| Total domestic deposits to total assets | 89.1418% | 1,610 |
| Equity capital to assets | 8.0019% | 6,525 |
| Core capital (leverage) ratio | 8.1753% | 6,064 |
| Tier 1 risk-based capital ratio | 10.4452% | 6,754 |
| Total risk-based capital ratio | 11.6983% | 6,749 |
| Memoranda: | ||
| Average total assets | $125,464,500 | 4,335 |
| Average earning assets | $113,307,500 | 4,349 |
| Average equity | $10,327,500 | 4,963 |
| Average total loans | $96,085,500 | 3,685 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 3,405 |
| Cost of funding earning assets | 0.7367% | 5,301 |
| Net interest margin | 4.1536% | 2,218 |
| Noninterest income to average assets | 0.6184% | 3,069 |
| Noninterest expense to average assets | 2.6861% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1104% | 1,795 |
| Return on assets (ROA) | 1.1104% | 1,906 |
| Pretax return on assets | 1.6616% | 1,077 |
| Return on Equity (ROE) | 13.7531% | 996 |
| Retained earnings to average equity (ytd only) | 5.7221% | 2,162 |
| Net charge-offs to loans | -0.0011% | 6,788 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7823% | 5,489 |
| Assets per employee ($millions) | 3.5713% | 4,843 |
| Cash dividends to net income (ytd only)* | 58.3942% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 3,787 |
| Loan loss allowance to noncurrent loans | 232.1928% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 5,281 |
| Noncurrent loans to loans | 0.6690% | 5,364 |
| Net loans and leases to total assets | 77.9317% | 717 |
| Net loans and leases to deposits | 88.7858% | 1,292 |
| Net loans and leases to core deposits | 93.6845% | 1,728 |
| Total domestic deposits to total assets | 87.7750% | 2,293 |
| Equity capital to assets | 8.4762% | 6,171 |
| Core capital (leverage) ratio | 8.1077% | 6,133 |
| Tier 1 risk-based capital ratio | 10.4578% | 6,703 |
| Total risk-based capital ratio | 11.7114% | 6,682 |
| Memoranda: | ||
| Average total assets | $123,376,600 | 4,304 |
| Average earning assets | $110,770,400 | 4,375 |
| Average equity | $9,961,400 | 5,029 |
| Average total loans | $93,278,600 | 3,777 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 3,636 |
| Cost of funding earning assets | 0.7246% | 5,630 |
| Net interest margin | 4.1559% | 2,258 |
| Noninterest income to average assets | 0.6049% | 3,137 |
| Noninterest expense to average assets | 2.7093% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1227% | 1,896 |
| Return on assets (ROA) | 1.1227% | 2,026 |
| Pretax return on assets | 1.6243% | 1,322 |
| Return on Equity (ROE) | 14.0770% | 1,029 |
| Retained earnings to average equity (ytd only) | 5.9790% | 2,570 |
| Net charge-offs to loans | -0.0086% | 6,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5186% | 5,329 |
| Assets per employee ($millions) | 3.7454% | 4,421 |
| Cash dividends to net income (ytd only)* | 57.5264% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 3,832 |
| Loan loss allowance to noncurrent loans | 248.4245% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 5,547 |
| Noncurrent loans to loans | 0.6293% | 5,625 |
| Net loans and leases to total assets | 76.3166% | 937 |
| Net loans and leases to deposits | 87.5471% | 1,483 |
| Net loans and leases to core deposits | 91.8577% | 2,014 |
| Total domestic deposits to total assets | 87.1720% | 2,542 |
| Equity capital to assets | 8.2300% | 6,545 |
| Core capital (leverage) ratio | 8.1251% | 6,252 |
| Tier 1 risk-based capital ratio | 10.2384% | 6,879 |
| Total risk-based capital ratio | 11.4915% | 6,864 |
| Memoranda: | ||
| Average total assets | $123,865,000 | 4,318 |
| Average earning assets | $111,131,750 | 4,386 |
| Average equity | $9,878,750 | 5,068 |
| Average total loans | $92,568,250 | 3,833 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 3,998 |
| Cost of funding earning assets | 0.7265% | 5,797 |
| Net interest margin | 4.0946% | 2,428 |
| Noninterest income to average assets | 0.5809% | 3,258 |
| Noninterest expense to average assets | 2.7736% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0213% | 2,133 |
| Return on assets (ROA) | 1.0213% | 2,230 |
| Pretax return on assets | 1.4812% | 1,583 |
| Return on Equity (ROE) | 12.9435% | 1,214 |
| Retained earnings to average equity (ytd only) | 4.7643% | 3,146 |
| Net charge-offs to loans | -0.0197% | 6,818 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1877% | 5,027 |
| Assets per employee ($millions) | 3.4682% | 5,025 |
| Cash dividends to net income (ytd only)* | 63.1912% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 3,671 |
| Loan loss allowance to noncurrent loans | 231.2789% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 5,519 |
| Noncurrent loans to loans | 0.6947% | 5,517 |
| Net loans and leases to total assets | 75.7272% | 1,118 |
| Net loans and leases to deposits | 87.2184% | 1,622 |
| Net loans and leases to core deposits | 92.0196% | 2,129 |
| Total domestic deposits to total assets | 86.8248% | 2,838 |
| Equity capital to assets | 8.1813% | 6,532 |
| Core capital (leverage) ratio | 7.8374% | 6,473 |
| Tier 1 risk-based capital ratio | 10.2244% | 6,908 |
| Total risk-based capital ratio | 11.4786% | 6,892 |
| Memoranda: | ||
| Average total assets | $123,954,330 | 4,347 |
| Average earning assets | $111,220,000 | 4,407 |
| Average equity | $9,781,000 | 5,103 |
| Average total loans | $91,483,330 | 3,903 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 4,582 |
| Cost of funding earning assets | 0.7267% | 5,992 |
| Net interest margin | 3.9596% | 2,873 |
| Noninterest income to average assets | 0.5717% | 3,357 |
| Noninterest expense to average assets | 2.7691% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9422% | 2,386 |
| Return on assets (ROA) | 0.9422% | 2,450 |
| Pretax return on assets | 1.3702% | 1,816 |
| Return on Equity (ROE) | 12.1574% | 1,417 |
| Retained earnings to average equity (ytd only) | 3.9151% | 3,822 |
| Net charge-offs to loans | -0.0221% | 6,601 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8981% | 4,874 |
| Assets per employee ($millions) | 3.8408% | 4,212 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 3,606 |
| Loan loss allowance to noncurrent loans | 364.2336% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 6,032 |
| Noncurrent loans to loans | 0.4475% | 6,116 |
| Net loans and leases to total assets | 71.2782% | 1,862 |
| Net loans and leases to deposits | 81.5245% | 2,440 |
| Net loans and leases to core deposits | 85.8970% | 2,888 |
| Total domestic deposits to total assets | 87.4317% | 2,697 |
| Equity capital to assets | 7.6925% | 6,751 |
| Core capital (leverage) ratio | 7.8655% | 6,402 |
| Tier 1 risk-based capital ratio | 10.4473% | 6,835 |
| Total risk-based capital ratio | 11.7015% | 6,820 |
| Memoranda: | ||
| Average total assets | $125,238,000 | 4,354 |
| Average earning assets | $112,838,500 | 4,387 |
| Average equity | $9,706,000 | 5,119 |
| Average total loans | $90,513,000 | 3,967 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1278% | 3,967 |
| Cost of funding earning assets | 1.0344% | 5,515 |
| Net interest margin | 4.0935% | 2,593 |
| Noninterest income to average assets | 0.6722% | 3,006 |
| Noninterest expense to average assets | 2.9911% | 3,880 |
| Loan and lease loss provision to assets | 0.2851% | 4,517 |
| Net operating income to assets | 0.7050% | 3,213 |
| Return on assets (ROA) | 0.7050% | 3,337 |
| Pretax return on assets | 1.0204% | 2,866 |
| Return on Equity (ROE) | 8.5855% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.4291% | 2,160 |
| Net charge-offs to loans | -0.0195% | 7,367 |
| Credit loss provision to net charge-offs | -1,941.1765% | 7,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6159% | 4,261 |
| Assets per employee ($millions) | 3.7494% | 4,366 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 3,321 |
| Loan loss allowance to noncurrent loans | 355.2381% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 6,026 |
| Noncurrent loans to loans | 0.4709% | 6,099 |
| Net loans and leases to total assets | 70.8759% | 2,338 |
| Net loans and leases to deposits | 80.3235% | 3,110 |
| Net loans and leases to core deposits | 84.3130% | 3,552 |
| Total domestic deposits to total assets | 88.2380% | 2,100 |
| Equity capital to assets | 7.8090% | 6,665 |
| Core capital (leverage) ratio | 7.9710% | 6,243 |
| Tier 1 risk-based capital ratio | 10.4650% | 6,722 |
| Total risk-based capital ratio | 11.7198% | 6,697 |
| Memoranda: | ||
| Average total assets | $115,742,000 | 4,580 |
| Average earning assets | $102,479,600 | 4,656 |
| Average equity | $9,504,400 | 5,264 |
| Average total loans | $87,023,600 | 4,126 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1819% | 3,929 |
| Cost of funding earning assets | 1.1016% | 5,406 |
| Net interest margin | 4.0803% | 2,707 |
| Noninterest income to average assets | 0.6928% | 2,859 |
| Noninterest expense to average assets | 3.0160% | 3,686 |
| Loan and lease loss provision to assets | 0.3165% | 4,050 |
| Net operating income to assets | 0.6670% | 3,558 |
| Return on assets (ROA) | 0.6670% | 3,726 |
| Pretax return on assets | 0.9682% | 3,297 |
| Return on Equity (ROE) | 8.0153% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.0153% | 1,417 |
| Net charge-offs to loans | -0.0093% | 7,264 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1281% | 4,039 |
| Assets per employee ($millions) | 3.5238% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 3,499 |
| Loan loss allowance to noncurrent loans | 222.3787% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 5,668 |
| Noncurrent loans to loans | 0.7222% | 5,768 |
| Net loans and leases to total assets | 74.8635% | 1,606 |
| Net loans and leases to deposits | 87.3310% | 2,107 |
| Net loans and leases to core deposits | 92.2017% | 2,773 |
| Total domestic deposits to total assets | 85.7239% | 3,234 |
| Equity capital to assets | 8.4035% | 6,389 |
| Core capital (leverage) ratio | 8.3723% | 5,750 |
| Tier 1 risk-based capital ratio | 10.5819% | 6,722 |
| Total risk-based capital ratio | 11.8359% | 6,700 |
| Memoranda: | ||
| Average total assets | $113,745,250 | 4,680 |
| Average earning assets | $100,578,000 | 4,768 |
| Average equity | $9,465,000 | 5,357 |
| Average total loans | $86,483,000 | 4,212 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2229% | 3,833 |
| Cost of funding earning assets | 1.1395% | 5,462 |
| Net interest margin | 4.0834% | 2,636 |
| Noninterest income to average assets | 0.7228% | 2,563 |
| Noninterest expense to average assets | 3.0523% | 3,515 |
| Loan and lease loss provision to assets | 0.3189% | 3,830 |
| Net operating income to assets | 0.6395% | 3,682 |
| Return on assets (ROA) | 0.6395% | 3,826 |
| Pretax return on assets | 0.9318% | 3,383 |
| Return on Equity (ROE) | 7.7115% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.7115% | 1,545 |
| Net charge-offs to loans | -0.0163% | 7,255 |
| Credit loss provision to net charge-offs | -2,571.4286% | 6,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9345% | 3,994 |
| Assets per employee ($millions) | 3.2903% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,754 |
| Loan loss allowance to noncurrent loans | 145.0980% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 5,481 |
| Noncurrent loans to loans | 1.0561% | 5,205 |
| Net loans and leases to total assets | 76.5127% | 1,387 |
| Net loans and leases to deposits | 87.4586% | 2,268 |
| Net loans and leases to core deposits | 91.6404% | 3,037 |
| Total domestic deposits to total assets | 87.4845% | 2,260 |
| Equity capital to assets | 8.5216% | 6,140 |
| Core capital (leverage) ratio | 8.4625% | 5,473 |
| Tier 1 risk-based capital ratio | 10.6748% | 6,548 |
| Total risk-based capital ratio | 11.9281% | 6,540 |
| Memoranda: | ||
| Average total assets | $112,898,670 | 4,734 |
| Average earning assets | $98,987,330 | 4,845 |
| Average equity | $9,362,670 | 5,394 |
| Average total loans | $85,818,670 | 4,257 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 4,244 |
| Cost of funding earning assets | 1.1637% | 5,584 |
| Net interest margin | 3.9962% | 2,885 |
| Noninterest income to average assets | 0.7653% | 2,205 |
| Noninterest expense to average assets | 3.0190% | 3,608 |
| Loan and lease loss provision to assets | 0.3174% | 3,513 |
| Net operating income to assets | 0.6313% | 3,751 |
| Return on assets (ROA) | 0.6313% | 3,876 |
| Pretax return on assets | 0.9170% | 3,405 |
| Return on Equity (ROE) | 7.7176% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.7176% | 1,830 |
| Net charge-offs to loans | -0.0094% | 6,881 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9784% | 4,122 |
| Assets per employee ($millions) | 3.4408% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 4,121 |
| Loan loss allowance to noncurrent loans | 133.5853% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 5,524 |
| Noncurrent loans to loans | 1.0944% | 5,173 |
| Net loans and leases to total assets | 73.4275% | 2,097 |
| Net loans and leases to deposits | 83.7147% | 2,985 |
| Net loans and leases to core deposits | 86.7178% | 3,799 |
| Total domestic deposits to total assets | 87.7116% | 2,230 |
| Equity capital to assets | 8.2478% | 6,373 |
| Core capital (leverage) ratio | 8.3450% | 5,653 |
| Tier 1 risk-based capital ratio | 10.6955% | 6,448 |
| Total risk-based capital ratio | 11.9482% | 6,432 |
| Memoranda: | ||
| Average total assets | $113,413,500 | 4,786 |
| Average earning assets | $98,994,000 | 4,906 |
| Average equity | $9,277,500 | 5,460 |
| Average total loans | $85,265,000 | 4,343 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4307% | 4,532 |
| Cost of funding earning assets | 1.4475% | 5,733 |
| Net interest margin | 3.9832% | 2,924 |
| Noninterest income to average assets | 0.6741% | 3,122 |
| Noninterest expense to average assets | 2.9406% | 4,381 |
| Loan and lease loss provision to assets | 0.5444% | 3,647 |
| Net operating income to assets | 0.4898% | 3,772 |
| Return on assets (ROA) | 0.4972% | 3,841 |
| Pretax return on assets | 0.6696% | 3,686 |
| Return on Equity (ROE) | 5.9543% | 3,228 |
| Retained earnings to average equity (ytd only) | 1.0648% | 4,296 |
| Net charge-offs to loans | 0.5688% | 3,518 |
| Credit loss provision to net charge-offs | 126.0504% | 4,138 |
| Earnings coverage of net charge-offs (x) | 2.7878% | 3,697 |
| Efficiency ratio | 70.9501% | 4,448 |
| Assets per employee ($millions) | 3.4328% | 5,174 |
| Cash dividends to net income (ytd only)* | 82.1168% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 4,579 |
| Loan loss allowance to noncurrent loans | 135.8244% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 5,480 |
| Noncurrent loans to loans | 0.9812% | 5,358 |
| Net loans and leases to total assets | 74.8351% | 2,071 |
| Net loans and leases to deposits | 85.3132% | 3,024 |
| Net loans and leases to core deposits | 93.6481% | 4,713 |
| Total domestic deposits to total assets | 87.7182% | 2,114 |
| Equity capital to assets | 8.1126% | 6,449 |
| Core capital (leverage) ratio | 8.1744% | 5,864 |
| Tier 1 risk-based capital ratio | 10.3627% | 6,528 |
| Total risk-based capital ratio | 11.6131% | 6,497 |
| Memoranda: | ||
| Average total assets | $110,214,000 | 4,814 |
| Average earning assets | $96,027,800 | 4,945 |
| Average equity | $9,203,400 | 5,546 |
| Average total loans | $83,685,000 | 4,395 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4518% | 4,683 |
| Cost of funding earning assets | 1.5055% | 5,794 |
| Net interest margin | 3.9463% | 3,058 |
| Noninterest income to average assets | 0.6785% | 3,164 |
| Noninterest expense to average assets | 2.9676% | 4,174 |
| Loan and lease loss provision to assets | 0.4995% | 3,401 |
| Net operating income to assets | 0.4496% | 4,194 |
| Return on assets (ROA) | 0.4580% | 4,275 |
| Pretax return on assets | 0.6627% | 3,975 |
| Return on Equity (ROE) | 5.4451% | 3,763 |
| Retained earnings to average equity (ytd only) | 0.3766% | 5,040 |
| Net charge-offs to loans | 0.0497% | 6,223 |
| Credit loss provision to net charge-offs | 1,322.5806% | 295 |
| Earnings coverage of net charge-offs (x) | 30.4534% | 929 |
| Efficiency ratio | 72.0710% | 4,231 |
| Assets per employee ($millions) | 3.3067% | 5,383 |
| Cash dividends to net income (ytd only)* | 93.0863% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 2,853 |
| Loan loss allowance to noncurrent loans | 96.6184% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 4,430 |
| Noncurrent loans to loans | 1.6964% | 4,097 |
| Net loans and leases to total assets | 76.9927% | 1,787 |
| Net loans and leases to deposits | 90.2534% | 2,530 |
| Net loans and leases to core deposits | 99.9084% | 4,382 |
| Total domestic deposits to total assets | 85.3073% | 3,072 |
| Equity capital to assets | 8.3860% | 6,404 |
| Core capital (leverage) ratio | 8.1870% | 6,040 |
| Tier 1 risk-based capital ratio | 10.1280% | 6,852 |
| Total risk-based capital ratio | 11.3823% | 6,799 |
| Memoranda: | ||
| Average total assets | $109,447,250 | 4,865 |
| Average earning assets | $95,379,000 | 4,994 |
| Average equity | $9,206,750 | 5,589 |
| Average total loans | $83,126,500 | 4,445 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3946% | 5,178 |
| Cost of funding earning assets | 1.5341% | 6,001 |
| Net interest margin | 3.8605% | 3,288 |
| Noninterest income to average assets | 0.6682% | 3,207 |
| Noninterest expense to average assets | 2.9464% | 4,306 |
| Loan and lease loss provision to assets | 0.2191% | 4,846 |
| Net operating income to assets | 0.5883% | 3,726 |
| Return on assets (ROA) | 0.5933% | 3,812 |
| Pretax return on assets | 0.8726% | 3,433 |
| Return on Equity (ROE) | 7.0458% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.8779% | 2,576 |
| Net charge-offs to loans | 0.0874% | 5,326 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,531 |
| Efficiency ratio | 73.0978% | 4,178 |
| Assets per employee ($millions) | 3.3519% | 5,183 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 4,204 |
| Loan loss allowance to noncurrent loans | 80.5839% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.2386% | 4,465 |
| Noncurrent loans to loans | 1.6270% | 4,057 |
| Net loans and leases to total assets | 75.1286% | 2,411 |
| Net loans and leases to deposits | 90.7455% | 2,710 |
| Net loans and leases to core deposits | 100.4995% | 4,460 |
| Total domestic deposits to total assets | 82.7904% | 4,339 |
| Equity capital to assets | 8.4104% | 6,176 |
| Core capital (leverage) ratio | 8.2946% | 5,810 |
| Tier 1 risk-based capital ratio | 10.3422% | 6,542 |
| Total risk-based capital ratio | 11.5875% | 6,487 |
| Memoranda: | ||
| Average total assets | $109,555,670 | 4,895 |
| Average earning assets | $95,428,000 | 5,025 |
| Average equity | $9,225,330 | 5,606 |
| Average total loans | $82,363,330 | 4,512 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 5,458 |
| Cost of funding earning assets | 1.5255% | 6,325 |
| Net interest margin | 3.8684% | 3,194 |
| Noninterest income to average assets | 0.6824% | 2,988 |
| Noninterest expense to average assets | 2.8470% | 4,349 |
| Loan and lease loss provision to assets | 0.2201% | 4,250 |
| Net operating income to assets | 0.6786% | 3,667 |
| Return on assets (ROA) | 0.6861% | 3,812 |
| Pretax return on assets | 1.0126% | 3,306 |
| Return on Equity (ROE) | 8.1424% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.1424% | 1,756 |
| Net charge-offs to loans | 0.1523% | 3,741 |
| Credit loss provision to net charge-offs | 193.5484% | 2,283 |
| Earnings coverage of net charge-offs (x) | 10.7419% | 1,926 |
| Efficiency ratio | 69.9729% | 4,582 |
| Assets per employee ($millions) | 3.4982% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 4,214 |
| Loan loss allowance to noncurrent loans | 84.2021% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 4,456 |
| Noncurrent loans to loans | 1.5187% | 4,006 |
| Net loans and leases to total assets | 72.4105% | 3,150 |
| Net loans and leases to deposits | 87.0972% | 3,449 |
| Net loans and leases to core deposits | 98.5172% | 4,693 |
| Total domestic deposits to total assets | 83.1375% | 4,075 |
| Equity capital to assets | 8.2883% | 6,413 |
| Core capital (leverage) ratio | 8.2276% | 6,045 |
| Tier 1 risk-based capital ratio | 10.4815% | 6,414 |
| Total risk-based capital ratio | 11.6869% | 6,366 |
| Memoranda: | ||
| Average total assets | $109,027,000 | 4,927 |
| Average earning assets | $95,441,000 | 5,040 |
| Average equity | $9,186,500 | 5,630 |
| Average total loans | $81,442,000 | 4,571 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9248% | 5,926 |
| Cost of funding earning assets | 1.7661% | 7,099 |
| Net interest margin | 4.1587% | 2,465 |
| Noninterest income to average assets | 0.7834% | 2,601 |
| Noninterest expense to average assets | 2.9019% | 4,444 |
| Loan and lease loss provision to assets | 0.4358% | 3,111 |
| Net operating income to assets | 0.7567% | 3,633 |
| Return on assets (ROA) | 0.7528% | 3,492 |
| Pretax return on assets | 1.0773% | 3,111 |
| Return on Equity (ROE) | 8.8780% | 2,684 |
| Retained earnings to average equity (ytd only) | 0.1312% | 5,153 |
| Net charge-offs to loans | 0.2990% | 3,396 |
| Credit loss provision to net charge-offs | 201.7167% | 2,408 |
| Earnings coverage of net charge-offs (x) | 7.0300% | 3,209 |
| Efficiency ratio | 65.6460% | 5,199 |
| Assets per employee ($millions) | 3.4230% | 4,874 |
| Cash dividends to net income (ytd only)* | 98.5222% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 4,028 |
| Loan loss allowance to noncurrent loans | 144.6176% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 5,227 |
| Noncurrent loans to loans | 0.8740% | 4,869 |
| Net loans and leases to total assets | 75.1614% | 2,840 |
| Net loans and leases to deposits | 92.0555% | 3,125 |
| Net loans and leases to core deposits | 102.7717% | 4,525 |
| Total domestic deposits to total assets | 81.6479% | 4,344 |
| Equity capital to assets | 8.5711% | 5,976 |
| Core capital (leverage) ratio | 8.1277% | 6,285 |
| Tier 1 risk-based capital ratio | 10.4602% | 6,248 |
| Total risk-based capital ratio | 11.6543% | 6,185 |
| Memoranda: | ||
| Average total assets | $107,858,600 | 4,834 |
| Average earning assets | $94,332,400 | 4,962 |
| Average equity | $9,146,200 | 5,689 |
| Average total loans | $77,936,000 | 4,588 |