Home > First Security State Bank > Performance and Condition Ratios
First Security State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 2,611 |
| Cost of funding earning assets | 1.9459% | 2,349 |
| Net interest margin | 3.3148% | 2,478 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 2.5297% | 2,224 |
| Loan and lease loss provision to assets | 0.2600% | 483 |
| Net operating income to assets | 0.5893% | 3,259 |
| Return on assets (ROA) | 0.5893% | 3,273 |
| Pretax return on assets | 0.6191% | 3,429 |
| Return on Equity (ROE) | 4.9300% | 3,530 |
| Retained earnings to average equity (ytd only) | 0.9250% | 3,702 |
| Net charge-offs to loans | 0.4159% | 367 |
| Credit loss provision to net charge-offs | 90.3704% | 2,028 |
| Earnings coverage of net charge-offs (x) | 3.0667% | 2,778 |
| Efficiency ratio | 74.1734% | 1,540 |
| Assets per employee ($millions) | 5.2365% | 3,481 |
| Cash dividends to net income (ytd only)* | 81.2274% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,172 |
| Loan loss allowance to noncurrent loans | 37.5263% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 194 |
| Noncurrent loans to loans | 3.1932% | 163 |
| Net loans and leases to total assets | 62.3700% | 2,725 |
| Net loans and leases to deposits | 71.5156% | 2,827 |
| Net loans and leases to core deposits | 81.9642% | 2,633 |
| Total domestic deposits to total assets | 87.2100% | 1,798 |
| Equity capital to assets | 11.9227% | 1,210 |
| Core capital (leverage) ratio | 12.9632% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $94,004,200 | 3,828 |
| Average earning assets | $91,166,400 | 3,773 |
| Average equity | $11,243,800 | 3,661 |
| Average total loans | $64,925,000 | 3,632 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 2,645 |
| Cost of funding earning assets | 1.9174% | 2,422 |
| Net interest margin | 3.2907% | 2,466 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.5136% | 2,208 |
| Loan and lease loss provision to assets | 0.3400% | 301 |
| Net operating income to assets | 0.4925% | 3,488 |
| Return on assets (ROA) | 0.4925% | 3,522 |
| Pretax return on assets | 0.5209% | 3,613 |
| Return on Equity (ROE) | 4.1100% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.1142% | 2,807 |
| Net charge-offs to loans | 0.2696% | 470 |
| Credit loss provision to net charge-offs | 177.6119% | 1,164 |
| Earnings coverage of net charge-offs (x) | 4.5373% | 2,434 |
| Efficiency ratio | 74.4430% | 1,535 |
| Assets per employee ($millions) | 5.2537% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,608 |
| Loan loss allowance to noncurrent loans | 42.0030% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 2.1223% | 181 |
| Noncurrent loans to loans | 3.1535% | 178 |
| Net loans and leases to total assets | 66.4100% | 2,280 |
| Net loans and leases to deposits | 76.5539% | 2,479 |
| Net loans and leases to core deposits | 88.1084% | 2,284 |
| Total domestic deposits to total assets | 86.7500% | 1,683 |
| Equity capital to assets | 12.3616% | 1,147 |
| Core capital (leverage) ratio | 13.6650% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $93,941,000 | 3,838 |
| Average earning assets | $91,164,000 | 3,791 |
| Average equity | $11,245,250 | 3,668 |
| Average total loans | $66,281,000 | 3,637 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 2,577 |
| Cost of funding earning assets | 1.8894% | 2,388 |
| Net interest margin | 3.2998% | 2,414 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 2.4986% | 2,247 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.7361% | 2,840 |
| Return on assets (ROA) | 0.7361% | 2,851 |
| Pretax return on assets | 0.7745% | 3,058 |
| Return on Equity (ROE) | 6.2200% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.2179% | 1,926 |
| Net charge-offs to loans | 0.3961% | 299 |
| Credit loss provision to net charge-offs | 39.8496% | 1,877 |
| Earnings coverage of net charge-offs (x) | 3.1429% | 2,350 |
| Efficiency ratio | 73.6941% | 1,671 |
| Assets per employee ($millions) | 5.1444% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,227 |
| Loan loss allowance to noncurrent loans | 32.4471% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.1933% | 152 |
| Noncurrent loans to loans | 3.1107% | 174 |
| Net loans and leases to total assets | 69.8000% | 1,918 |
| Net loans and leases to deposits | 80.2610% | 2,190 |
| Net loans and leases to core deposits | 91.8145% | 2,022 |
| Total domestic deposits to total assets | 86.9600% | 1,670 |
| Equity capital to assets | 12.1708% | 1,110 |
| Core capital (leverage) ratio | 13.6126% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $93,732,333 | 3,856 |
| Average earning assets | $91,035,000 | 3,807 |
| Average equity | $11,097,000 | 3,670 |
| Average total loans | $67,160,000 | 3,631 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1054% | 2,581 |
| Cost of funding earning assets | 1.8124% | 2,472 |
| Net interest margin | 3.2930% | 2,358 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 2.4984% | 2,248 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | 0.7211% | 2,771 |
| Return on assets (ROA) | 0.7211% | 2,792 |
| Pretax return on assets | 0.7593% | 3,018 |
| Return on Equity (ROE) | 6.1800% | 3,170 |
| Retained earnings to average equity (ytd only) | 6.1759% | 2,056 |
| Net charge-offs to loans | 0.5111% | 188 |
| Credit loss provision to net charge-offs | 31.0345% | 1,481 |
| Earnings coverage of net charge-offs (x) | 2.4023% | 2,001 |
| Efficiency ratio | 73.8095% | 1,764 |
| Assets per employee ($millions) | 5.2130% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 3,241 |
| Loan loss allowance to noncurrent loans | 30.2990% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.3883% | 108 |
| Noncurrent loans to loans | 3.3347% | 140 |
| Net loans and leases to total assets | 70.9000% | 1,702 |
| Net loans and leases to deposits | 81.2408% | 1,946 |
| Net loans and leases to core deposits | 92.6596% | 1,865 |
| Total domestic deposits to total assets | 87.2700% | 1,678 |
| Equity capital to assets | 11.7974% | 1,187 |
| Core capital (leverage) ratio | 13.3314% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $94,299,000 | 3,872 |
| Average earning assets | $91,589,000 | 3,820 |
| Average equity | $11,010,500 | 3,686 |
| Average total loans | $68,095,000 | 3,618 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 2,089 |
| Cost of funding earning assets | 1.4325% | 2,141 |
| Net interest margin | 3.5564% | 2,052 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.5813% | 2,067 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.8804% | 2,608 |
| Return on assets (ROA) | 0.8804% | 2,574 |
| Pretax return on assets | 0.9026% | 2,959 |
| Return on Equity (ROE) | 7.8400% | 3,071 |
| Retained earnings to average equity (ytd only) | 2.2118% | 3,531 |
| Net charge-offs to loans | 0.2596% | 409 |
| Credit loss provision to net charge-offs | 87.7095% | 1,966 |
| Earnings coverage of net charge-offs (x) | 5.6648% | 2,516 |
| Efficiency ratio | 70.7359% | 1,789 |
| Assets per employee ($millions) | 4.9876% | 3,645 |
| Cash dividends to net income (ytd only)* | 71.7703% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 2,975 |
| Loan loss allowance to noncurrent loans | 138.1308% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 992 |
| Noncurrent loans to loans | 0.7755% | 1,005 |
| Net loans and leases to total assets | 72.0200% | 1,578 |
| Net loans and leases to deposits | 82.2652% | 1,922 |
| Net loans and leases to core deposits | 92.3731% | 1,880 |
| Total domestic deposits to total assets | 87.5400% | 1,504 |
| Equity capital to assets | 11.5561% | 1,265 |
| Core capital (leverage) ratio | 12.9002% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $94,951,800 | 3,871 |
| Average earning assets | $92,004,400 | 3,820 |
| Average equity | $10,670,000 | 3,648 |
| Average total loans | $68,947,800 | 3,566 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 2,139 |
| Cost of funding earning assets | 1.3387% | 2,033 |
| Net interest margin | 3.5255% | 2,160 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.4449% | 2,392 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.0161% | 2,317 |
| Return on assets (ROA) | 1.0161% | 2,302 |
| Pretax return on assets | 1.0709% | 2,650 |
| Return on Equity (ROE) | 9.1100% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.3333% | 2,830 |
| Net charge-offs to loans | 0.2205% | 401 |
| Credit loss provision to net charge-offs | 70.1754% | 1,810 |
| Earnings coverage of net charge-offs (x) | 7.3947% | 2,237 |
| Efficiency ratio | 67.3888% | 2,090 |
| Assets per employee ($millions) | 5.0530% | 3,563 |
| Cash dividends to net income (ytd only)* | 41.4365% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,016 |
| Loan loss allowance to noncurrent loans | 202.5070% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 1,540 |
| Noncurrent loans to loans | 0.5288% | 1,501 |
| Net loans and leases to total assets | 69.9500% | 1,831 |
| Net loans and leases to deposits | 79.4241% | 2,103 |
| Net loans and leases to core deposits | 86.9094% | 2,129 |
| Total domestic deposits to total assets | 88.0800% | 1,537 |
| Equity capital to assets | 11.0804% | 1,317 |
| Core capital (leverage) ratio | 13.2543% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $94,998,750 | 3,887 |
| Average earning assets | $92,126,500 | 3,835 |
| Average equity | $10,599,750 | 3,662 |
| Average total loans | $68,938,000 | 3,581 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8059% | 1,978 |
| Cost of funding earning assets | 1.2625% | 1,818 |
| Net interest margin | 3.5433% | 2,167 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.4191% | 2,427 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0986% | 2,129 |
| Return on assets (ROA) | 1.0986% | 2,123 |
| Pretax return on assets | 1.1536% | 2,495 |
| Return on Equity (ROE) | 9.8200% | 2,762 |
| Retained earnings to average equity (ytd only) | 4.1560% | 3,172 |
| Net charge-offs to loans | 0.1645% | 478 |
| Credit loss provision to net charge-offs | 56.1404% | 1,646 |
| Earnings coverage of net charge-offs (x) | 10.1404% | 1,998 |
| Efficiency ratio | 66.4539% | 2,181 |
| Assets per employee ($millions) | 4.7842% | 3,759 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,077 |
| Loan loss allowance to noncurrent loans | 210.5714% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 1,454 |
| Noncurrent loans to loans | 0.5093% | 1,440 |
| Net loans and leases to total assets | 71.0500% | 1,630 |
| Net loans and leases to deposits | 80.6855% | 1,922 |
| Net loans and leases to core deposits | 88.0804% | 1,921 |
| Total domestic deposits to total assets | 88.0600% | 1,579 |
| Equity capital to assets | 11.1336% | 1,329 |
| Core capital (leverage) ratio | 13.0156% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $94,662,667 | 3,902 |
| Average earning assets | $91,721,333 | 3,848 |
| Average equity | $10,587,000 | 3,669 |
| Average total loans | $69,288,000 | 3,577 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 1,966 |
| Cost of funding earning assets | 1.1242% | 1,683 |
| Net interest margin | 3.5264% | 2,296 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.3919% | 2,554 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.1513% | 2,060 |
| Return on assets (ROA) | 1.1513% | 2,029 |
| Pretax return on assets | 1.2151% | 2,389 |
| Return on Equity (ROE) | 10.2700% | 2,704 |
| Retained earnings to average equity (ytd only) | 10.2710% | 1,634 |
| Net charge-offs to loans | 0.1322% | 503 |
| Credit loss provision to net charge-offs | 30.4348% | 1,354 |
| Earnings coverage of net charge-offs (x) | 12.7391% | 1,602 |
| Efficiency ratio | 65.7710% | 2,234 |
| Assets per employee ($millions) | 5.0003% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,116 |
| Loan loss allowance to noncurrent loans | 176.5403% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 1,154 |
| Noncurrent loans to loans | 0.6161% | 1,216 |
| Net loans and leases to total assets | 71.3100% | 1,490 |
| Net loans and leases to deposits | 81.2506% | 1,725 |
| Net loans and leases to core deposits | 87.5515% | 1,771 |
| Total domestic deposits to total assets | 87.7700% | 1,998 |
| Equity capital to assets | 11.3603% | 1,201 |
| Core capital (leverage) ratio | 13.1986% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $94,152,500 | 3,956 |
| Average earning assets | $91,084,500 | 3,905 |
| Average equity | $10,554,000 | 3,718 |
| Average total loans | $69,571,500 | 3,615 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 1,456 |
| Cost of funding earning assets | 0.4123% | 1,996 |
| Net interest margin | 3.6980% | 1,383 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.5577% | 1,947 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3671% | 1,222 |
| Return on assets (ROA) | 1.3671% | 1,180 |
| Pretax return on assets | 1.4381% | 1,667 |
| Return on Equity (ROE) | 12.0200% | 2,127 |
| Retained earnings to average equity (ytd only) | 1.0006% | 4,199 |
| Net charge-offs to loans | 0.0593% | 1,057 |
| Credit loss provision to net charge-offs | 194.8718% | 1,142 |
| Earnings coverage of net charge-offs (x) | 37.2564% | 1,548 |
| Efficiency ratio | 62.7627% | 2,661 |
| Assets per employee ($millions) | 4.6650% | 3,927 |
| Cash dividends to net income (ytd only)* | 91.6730% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 3,000 |
| Loan loss allowance to noncurrent loans | 133.9789% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 819 |
| Noncurrent loans to loans | 0.8040% | 922 |
| Net loans and leases to total assets | 74.9100% | 1,138 |
| Net loans and leases to deposits | 84.9866% | 1,390 |
| Net loans and leases to core deposits | 89.5872% | 1,526 |
| Total domestic deposits to total assets | 88.1400% | 2,022 |
| Equity capital to assets | 11.0559% | 1,234 |
| Core capital (leverage) ratio | 12.6048% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $95,750,000 | 3,965 |
| Average earning assets | $92,889,200 | 3,907 |
| Average equity | $10,893,200 | 3,769 |
| Average total loans | $65,731,200 | 3,648 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 1,397 |
| Cost of funding earning assets | 0.3033% | 2,125 |
| Net interest margin | 3.6296% | 1,318 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.5182% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5317% | 775 |
| Return on assets (ROA) | 1.5317% | 758 |
| Pretax return on assets | 1.6022% | 1,115 |
| Return on Equity (ROE) | 13.3700% | 1,594 |
| Retained earnings to average equity (ytd only) | 6.1243% | 2,710 |
| Net charge-offs to loans | 0.1034% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 23.1600% | 1,659 |
| Efficiency ratio | 61.1148% | 2,952 |
| Assets per employee ($millions) | 4.9778% | 3,687 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 3,527 |
| Loan loss allowance to noncurrent loans | 61.7216% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.1546% | 371 |
| Noncurrent loans to loans | 1.6056% | 425 |
| Net loans and leases to total assets | 71.2000% | 1,377 |
| Net loans and leases to deposits | 80.8554% | 1,531 |
| Net loans and leases to core deposits | 84.6242% | 1,610 |
| Total domestic deposits to total assets | 88.0600% | 2,412 |
| Equity capital to assets | 11.0638% | 1,155 |
| Core capital (leverage) ratio | 13.0124% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $96,362,750 | 3,985 |
| Average earning assets | $93,635,000 | 3,927 |
| Average equity | $11,037,750 | 3,807 |
| Average total loans | $64,502,000 | 3,683 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 1,385 |
| Cost of funding earning assets | 0.2396% | 2,400 |
| Net interest margin | 3.5243% | 1,251 |
| Noninterest income to average assets | 0.7962% | 1,052 |
| Noninterest expense to average assets | 2.4712% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6832% | 443 |
| Return on assets (ROA) | 1.6832% | 440 |
| Pretax return on assets | 1.7533% | 672 |
| Return on Equity (ROE) | 14.5338% | 990 |
| Retained earnings to average equity (ytd only) | 3.8472% | 3,144 |
| Net charge-offs to loans | 0.1263% | 496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,530 |
| Efficiency ratio | 58.4961% | 3,488 |
| Assets per employee ($millions) | 4.8426% | 3,819 |
| Cash dividends to net income (ytd only)* | 73.5294% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,365 |
| Loan loss allowance to noncurrent loans | 63.0996% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1192% | 399 |
| Noncurrent loans to loans | 1.6658% | 424 |
| Net loans and leases to total assets | 66.4836% | 1,634 |
| Net loans and leases to deposits | 75.7093% | 1,705 |
| Net loans and leases to core deposits | 79.1635% | 1,766 |
| Total domestic deposits to total assets | 87.8143% | 2,647 |
| Equity capital to assets | 11.0479% | 1,189 |
| Core capital (leverage) ratio | 12.5766% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,957,333 | 4,023 |
| Average earning assets | $94,316,000 | 3,966 |
| Average equity | $11,229,000 | 3,861 |
| Average total loans | $63,332,000 | 3,736 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 1,363 |
| Cost of funding earning assets | 0.2585% | 2,063 |
| Net interest margin | 3.4031% | 1,291 |
| Noninterest income to average assets | 0.2268% | 3,793 |
| Noninterest expense to average assets | 2.3750% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1009% | 1,527 |
| Return on assets (ROA) | 1.1009% | 1,518 |
| Pretax return on assets | 1.1628% | 1,943 |
| Return on Equity (ROE) | 9.2922% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.2922% | 1,188 |
| Net charge-offs to loans | 0.1601% | 368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 11.2800% | 1,441 |
| Efficiency ratio | 67.1329% | 2,614 |
| Assets per employee ($millions) | 5.0250% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,194 |
| Loan loss allowance to noncurrent loans | 65.8812% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1113% | 422 |
| Noncurrent loans to loans | 1.7168% | 456 |
| Net loans and leases to total assets | 63.9990% | 1,620 |
| Net loans and leases to deposits | 73.4120% | 1,665 |
| Net loans and leases to core deposits | 76.8804% | 1,716 |
| Total domestic deposits to total assets | 87.1778% | 2,863 |
| Equity capital to assets | 11.7015% | 1,061 |
| Core capital (leverage) ratio | 12.6144% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,010,500 | 4,030 |
| Average earning assets | $94,384,500 | 3,980 |
| Average equity | $11,493,500 | 3,907 |
| Average total loans | $62,461,000 | 3,751 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 979 |
| Cost of funding earning assets | 0.4775% | 1,020 |
| Net interest margin | 3.7294% | 1,146 |
| Noninterest income to average assets | 0.2417% | 3,929 |
| Noninterest expense to average assets | 2.4719% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3237% | 1,540 |
| Return on assets (ROA) | 1.3237% | 1,581 |
| Pretax return on assets | 1.3728% | 2,129 |
| Return on Equity (ROE) | 10.8269% | 2,228 |
| Retained earnings to average equity (ytd only) | 0.5742% | 4,355 |
| Net charge-offs to loans | -0.0236% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2932% | 2,514 |
| Assets per employee ($millions) | 5.4748% | 3,282 |
| Cash dividends to net income (ytd only)* | 94.6970% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,141 |
| Loan loss allowance to noncurrent loans | 138.4321% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 1,259 |
| Noncurrent loans to loans | 0.8286% | 1,229 |
| Net loans and leases to total assets | 63.3166% | 1,785 |
| Net loans and leases to deposits | 73.8309% | 1,734 |
| Net loans and leases to core deposits | 78.7311% | 1,703 |
| Total domestic deposits to total assets | 85.7589% | 2,990 |
| Equity capital to assets | 11.9893% | 1,255 |
| Core capital (leverage) ratio | 12.1455% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,722,000 | 3,991 |
| Average earning assets | $96,343,400 | 3,950 |
| Average equity | $12,191,800 | 3,915 |
| Average total loans | $67,779,800 | 3,690 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 982 |
| Cost of funding earning assets | 0.5242% | 932 |
| Net interest margin | 3.7537% | 1,217 |
| Noninterest income to average assets | 0.2293% | 4,030 |
| Noninterest expense to average assets | 2.4355% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3704% | 1,630 |
| Return on assets (ROA) | 1.3704% | 1,684 |
| Pretax return on assets | 1.4117% | 2,287 |
| Return on Equity (ROE) | 11.1561% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.7300% | 2,941 |
| Net charge-offs to loans | -0.0116% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3056% | 2,493 |
| Assets per employee ($millions) | 5.4616% | 3,235 |
| Cash dividends to net income (ytd only)* | 48.6381% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,472 |
| Loan loss allowance to noncurrent loans | 118.8020% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 1,249 |
| Noncurrent loans to loans | 0.9202% | 1,252 |
| Net loans and leases to total assets | 65.7078% | 1,577 |
| Net loans and leases to deposits | 76.4911% | 1,624 |
| Net loans and leases to core deposits | 82.3645% | 1,544 |
| Total domestic deposits to total assets | 85.9025% | 2,786 |
| Equity capital to assets | 12.6063% | 1,135 |
| Core capital (leverage) ratio | 12.6598% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,016,000 | 4,039 |
| Average earning assets | $96,401,000 | 3,997 |
| Average equity | $12,286,000 | 3,951 |
| Average total loans | $68,944,750 | 3,718 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 1,104 |
| Cost of funding earning assets | 0.5731% | 852 |
| Net interest margin | 3.6703% | 1,422 |
| Noninterest income to average assets | 0.2068% | 4,168 |
| Noninterest expense to average assets | 2.4000% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3083% | 1,842 |
| Return on assets (ROA) | 1.3083% | 1,915 |
| Pretax return on assets | 1.3342% | 2,541 |
| Return on Equity (ROE) | 10.7426% | 2,514 |
| Retained earnings to average equity (ytd only) | 7.4773% | 2,261 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2705% | 2,392 |
| Assets per employee ($millions) | 5.2654% | 3,392 |
| Cash dividends to net income (ytd only)* | 30.3951% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,758 |
| Loan loss allowance to noncurrent loans | 94.4000% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 1,093 |
| Noncurrent loans to loans | 1.0811% | 1,124 |
| Net loans and leases to total assets | 68.6355% | 1,368 |
| Net loans and leases to deposits | 80.1553% | 1,407 |
| Net loans and leases to core deposits | 86.7859% | 1,362 |
| Total domestic deposits to total assets | 85.6282% | 2,862 |
| Equity capital to assets | 12.4107% | 1,174 |
| Core capital (leverage) ratio | 12.3123% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,585,333 | 4,061 |
| Average earning assets | $96,666,667 | 4,008 |
| Average equity | $12,250,333 | 3,962 |
| Average total loans | $70,156,333 | 3,716 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 1,177 |
| Cost of funding earning assets | 0.6278% | 767 |
| Net interest margin | 3.5851% | 1,622 |
| Noninterest income to average assets | 0.1983% | 4,200 |
| Noninterest expense to average assets | 2.3598% | 2,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2176% | 2,076 |
| Return on assets (ROA) | 1.2176% | 2,164 |
| Pretax return on assets | 1.2810% | 2,620 |
| Return on Equity (ROE) | 10.0925% | 2,660 |
| Retained earnings to average equity (ytd only) | 10.0925% | 1,622 |
| Net charge-offs to loans | -0.0113% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8148% | 2,370 |
| Assets per employee ($millions) | 5.0324% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,796 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 1,168 |
| Noncurrent loans to loans | 1.1126% | 1,205 |
| Net loans and leases to total assets | 69.0416% | 1,407 |
| Net loans and leases to deposits | 80.3945% | 1,487 |
| Net loans and leases to core deposits | 86.6944% | 1,475 |
| Total domestic deposits to total assets | 85.8785% | 2,779 |
| Equity capital to assets | 12.2148% | 1,195 |
| Core capital (leverage) ratio | 12.3039% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,856,500 | 4,065 |
| Average earning assets | $96,845,000 | 4,013 |
| Average equity | $12,167,500 | 3,980 |
| Average total loans | $70,548,000 | 3,723 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 896 |
| Cost of funding earning assets | 0.9870% | 621 |
| Net interest margin | 3.7116% | 1,757 |
| Noninterest income to average assets | 0.2170% | 4,196 |
| Noninterest expense to average assets | 2.2478% | 3,547 |
| Loan and lease loss provision to assets | 0.5480% | 401 |
| Net operating income to assets | 0.9289% | 2,568 |
| Return on assets (ROA) | 0.9289% | 2,716 |
| Pretax return on assets | 1.0009% | 3,044 |
| Return on Equity (ROE) | 7.7203% | 2,917 |
| Retained earnings to average equity (ytd only) | 1.0720% | 4,200 |
| Net charge-offs to loans | 0.8381% | 170 |
| Credit loss provision to net charge-offs | 83.2827% | 2,967 |
| Earnings coverage of net charge-offs (x) | 2.3541% | 3,171 |
| Efficiency ratio | 59.2046% | 3,566 |
| Assets per employee ($millions) | 5.6147% | 2,726 |
| Cash dividends to net income (ytd only)* | 86.1141% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,874 |
| Loan loss allowance to noncurrent loans | 86.0267% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 1,255 |
| Noncurrent loans to loans | 1.1608% | 1,224 |
| Net loans and leases to total assets | 69.4494% | 1,625 |
| Net loans and leases to deposits | 81.2081% | 1,741 |
| Net loans and leases to core deposits | 88.1572% | 1,674 |
| Total domestic deposits to total assets | 85.5202% | 2,560 |
| Equity capital to assets | 11.9141% | 1,614 |
| Core capital (leverage) ratio | 11.9880% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3714% | 1,179 |
| Memoranda: | ||
| Average total assets | $100,007,200 | 3,996 |
| Average earning assets | $96,455,200 | 3,937 |
| Average equity | $12,033,200 | 3,974 |
| Average total loans | $78,507,000 | 3,580 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 1,057 |
| Cost of funding earning assets | 1.0576% | 626 |
| Net interest margin | 3.6464% | 2,106 |
| Noninterest income to average assets | 0.2232% | 4,156 |
| Noninterest expense to average assets | 2.2417% | 3,570 |
| Loan and lease loss provision to assets | 0.6657% | 346 |
| Net operating income to assets | 0.7646% | 3,228 |
| Return on assets (ROA) | 0.7646% | 3,346 |
| Pretax return on assets | 0.8368% | 3,552 |
| Return on Equity (ROE) | 6.3389% | 3,431 |
| Retained earnings to average equity (ytd only) | 3.5684% | 3,270 |
| Net charge-offs to loans | 0.3184% | 496 |
| Credit loss provision to net charge-offs | 259.3750% | 1,899 |
| Earnings coverage of net charge-offs (x) | 5.8542% | 2,701 |
| Efficiency ratio | 59.8715% | 3,404 |
| Assets per employee ($millions) | 5.8864% | 2,363 |
| Cash dividends to net income (ytd only)* | 43.7063% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,445 |
| Loan loss allowance to noncurrent loans | 66.3127% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.6938% | 465 |
| Noncurrent loans to loans | 2.2324% | 515 |
| Net loans and leases to total assets | 74.7504% | 1,276 |
| Net loans and leases to deposits | 88.3255% | 1,449 |
| Net loans and leases to core deposits | 96.0909% | 1,451 |
| Total domestic deposits to total assets | 84.6306% | 2,582 |
| Equity capital to assets | 12.2276% | 1,562 |
| Core capital (leverage) ratio | 12.4101% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8933% | 1,276 |
| Memoranda: | ||
| Average total assets | $99,742,750 | 3,996 |
| Average earning assets | $96,311,750 | 3,931 |
| Average equity | $12,031,250 | 3,973 |
| Average total loans | $80,409,500 | 3,570 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 1,046 |
| Cost of funding earning assets | 1.1446% | 621 |
| Net interest margin | 3.7101% | 2,129 |
| Noninterest income to average assets | 0.2449% | 4,007 |
| Noninterest expense to average assets | 2.2382% | 3,689 |
| Loan and lease loss provision to assets | 0.8210% | 295 |
| Net operating income to assets | 0.6986% | 3,393 |
| Return on assets (ROA) | 0.6986% | 3,500 |
| Pretax return on assets | 0.7708% | 3,670 |
| Return on Equity (ROE) | 5.8179% | 3,575 |
| Retained earnings to average equity (ytd only) | 1.6384% | 3,896 |
| Net charge-offs to loans | 0.1831% | 825 |
| Credit loss provision to net charge-offs | 545.3333% | 1,168 |
| Earnings coverage of net charge-offs (x) | 10.5733% | 2,143 |
| Efficiency ratio | 58.4382% | 3,640 |
| Assets per employee ($millions) | 5.5642% | 2,578 |
| Cash dividends to net income (ytd only)* | 71.8391% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,479 |
| Loan loss allowance to noncurrent loans | 66.3977% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.7323% | 480 |
| Noncurrent loans to loans | 2.1547% | 590 |
| Net loans and leases to total assets | 79.2464% | 690 |
| Net loans and leases to deposits | 95.4288% | 840 |
| Net loans and leases to core deposits | 106.1692% | 887 |
| Total domestic deposits to total assets | 83.0425% | 3,075 |
| Equity capital to assets | 11.9923% | 1,666 |
| Core capital (leverage) ratio | 11.9991% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8984% | 1,517 |
| Memoranda: | ||
| Average total assets | $99,634,000 | 3,998 |
| Average earning assets | $96,277,667 | 3,936 |
| Average equity | $11,963,000 | 3,990 |
| Average total loans | $81,904,000 | 3,547 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 780 |
| Cost of funding earning assets | 1.2399% | 676 |
| Net interest margin | 3.8659% | 1,774 |
| Noninterest income to average assets | 0.2294% | 4,174 |
| Noninterest expense to average assets | 2.2823% | 3,811 |
| Loan and lease loss provision to assets | 0.2214% | 1,394 |
| Net operating income to assets | 1.3807% | 1,037 |
| Return on assets (ROA) | 1.3807% | 1,113 |
| Pretax return on assets | 1.4531% | 1,431 |
| Return on Equity (ROE) | 11.4917% | 1,264 |
| Retained earnings to average equity (ytd only) | 3.1158% | 3,034 |
| Net charge-offs to loans | 0.2470% | 588 |
| Credit loss provision to net charge-offs | 107.8431% | 1,771 |
| Earnings coverage of net charge-offs (x) | 8.1569% | 1,882 |
| Efficiency ratio | 57.6806% | 4,044 |
| Assets per employee ($millions) | 5.4085% | 2,215 |
| Cash dividends to net income (ytd only)* | 72.8863% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,744 |
| Loan loss allowance to noncurrent loans | 97.7408% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 1,541 |
| Noncurrent loans to loans | 1.0178% | 1,628 |
| Net loans and leases to total assets | 84.0344% | 261 |
| Net loans and leases to deposits | 102.7945% | 419 |
| Net loans and leases to core deposits | 119.8804% | 470 |
| Total domestic deposits to total assets | 81.7499% | 3,483 |
| Equity capital to assets | 12.3160% | 1,853 |
| Core capital (leverage) ratio | 11.9736% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1001% | 1,871 |
| Memoranda: | ||
| Average total assets | $99,373,000 | 4,004 |
| Average earning assets | $95,811,500 | 3,928 |
| Average equity | $11,939,000 | 4,004 |
| Average total loans | $82,595,000 | 3,541 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 1,203 |
| Cost of funding earning assets | 1.2974% | 772 |
| Net interest margin | 3.8077% | 2,478 |
| Noninterest income to average assets | 0.2633% | 4,101 |
| Noninterest expense to average assets | 2.2787% | 3,997 |
| Loan and lease loss provision to assets | 0.0789% | 2,416 |
| Net operating income to assets | 1.5096% | 1,028 |
| Return on assets (ROA) | 1.5096% | 1,091 |
| Pretax return on assets | 1.5894% | 1,515 |
| Return on Equity (ROE) | 13.4508% | 1,032 |
| Retained earnings to average equity (ytd only) | 7.3009% | 1,256 |
| Net charge-offs to loans | 0.1721% | 1,172 |
| Credit loss provision to net charge-offs | 54.0541% | 3,093 |
| Earnings coverage of net charge-offs (x) | 11.4324% | 2,499 |
| Efficiency ratio | 57.7317% | 4,008 |
| Assets per employee ($millions) | 5.3365% | 2,210 |
| Cash dividends to net income (ytd only)* | 45.7218% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,572 |
| Loan loss allowance to noncurrent loans | 166.5988% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 2,473 |
| Noncurrent loans to loans | 0.5947% | 2,401 |
| Net loans and leases to total assets | 80.6170% | 714 |
| Net loans and leases to deposits | 97.2435% | 820 |
| Net loans and leases to core deposits | 115.7249% | 612 |
| Total domestic deposits to total assets | 82.9022% | 3,230 |
| Equity capital to assets | 11.7247% | 2,336 |
| Core capital (leverage) ratio | 11.7641% | 1,912 |
| Tier 1 risk-based capital ratio | 13.9226% | 3,306 |
| Total risk-based capital ratio | 14.8811% | 3,356 |
| Memoranda: | ||
| Average total assets | $101,419,000 | 3,980 |
| Average earning assets | $98,117,400 | 3,909 |
| Average equity | $11,382,200 | 4,070 |
| Average total loans | $85,985,000 | 3,482 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 1,272 |
| Cost of funding earning assets | 1.2922% | 805 |
| Net interest margin | 3.8140% | 2,550 |
| Noninterest income to average assets | 0.1959% | 4,546 |
| Noninterest expense to average assets | 2.2637% | 4,040 |
| Loan and lease loss provision to assets | 0.0960% | 1,991 |
| Net operating income to assets | 1.4473% | 1,336 |
| Return on assets (ROA) | 1.4473% | 1,391 |
| Pretax return on assets | 1.5262% | 1,887 |
| Return on Equity (ROE) | 13.0419% | 1,265 |
| Retained earnings to average equity (ytd only) | 6.5269% | 2,100 |
| Net charge-offs to loans | 0.1551% | 1,066 |
| Credit loss provision to net charge-offs | 72.2772% | 2,592 |
| Earnings coverage of net charge-offs (x) | 12.2181% | 2,374 |
| Efficiency ratio | 58.2544% | 3,899 |
| Assets per employee ($millions) | 5.5292% | 2,002 |
| Cash dividends to net income (ytd only)* | 49.9550% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,550 |
| Loan loss allowance to noncurrent loans | 155.1537% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 2,338 |
| Noncurrent loans to loans | 0.6467% | 2,341 |
| Net loans and leases to total assets | 85.0620% | 247 |
| Net loans and leases to deposits | 103.7654% | 424 |
| Net loans and leases to core deposits | 124.1265% | 406 |
| Total domestic deposits to total assets | 81.9754% | 3,484 |
| Equity capital to assets | 11.6544% | 2,557 |
| Core capital (leverage) ratio | 11.5295% | 2,193 |
| Tier 1 risk-based capital ratio | 13.1456% | 3,764 |
| Total risk-based capital ratio | 14.1177% | 3,816 |
| Memoranda: | ||
| Average total assets | $101,425,500 | 4,019 |
| Average earning assets | $98,127,000 | 3,939 |
| Average equity | $11,255,750 | 4,125 |
| Average total loans | $86,841,750 | 3,512 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 1,355 |
| Cost of funding earning assets | 1.2617% | 841 |
| Net interest margin | 3.7873% | 2,620 |
| Noninterest income to average assets | 0.1881% | 4,630 |
| Noninterest expense to average assets | 2.2634% | 4,095 |
| Loan and lease loss provision to assets | 0.0510% | 2,794 |
| Net operating income to assets | 1.4541% | 1,284 |
| Return on assets (ROA) | 1.4541% | 1,336 |
| Pretax return on assets | 1.5324% | 1,749 |
| Return on Equity (ROE) | 13.3198% | 1,151 |
| Retained earnings to average equity (ytd only) | 6.1393% | 2,222 |
| Net charge-offs to loans | 0.1306% | 1,152 |
| Credit loss provision to net charge-offs | 45.6140% | 2,501 |
| Earnings coverage of net charge-offs (x) | 14.1754% | 2,056 |
| Efficiency ratio | 58.8385% | 3,887 |
| Assets per employee ($millions) | 5.6935% | 1,795 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,646 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 2,101 |
| Noncurrent loans to loans | 0.7757% | 2,043 |
| Net loans and leases to total assets | 82.8157% | 500 |
| Net loans and leases to deposits | 100.7730% | 624 |
| Net loans and leases to core deposits | 121.1782% | 510 |
| Total domestic deposits to total assets | 82.1805% | 3,463 |
| Equity capital to assets | 11.1111% | 2,937 |
| Core capital (leverage) ratio | 11.1477% | 2,458 |
| Tier 1 risk-based capital ratio | 12.7083% | 4,009 |
| Total risk-based capital ratio | 13.6619% | 4,055 |
| Memoranda: | ||
| Average total assets | $102,059,000 | 4,033 |
| Average earning assets | $98,593,330 | 3,950 |
| Average equity | $11,141,330 | 4,151 |
| Average total loans | $87,283,670 | 3,519 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 1,270 |
| Cost of funding earning assets | 1.2061% | 889 |
| Net interest margin | 3.8214% | 2,444 |
| Noninterest income to average assets | 0.2003% | 4,561 |
| Noninterest expense to average assets | 2.3408% | 3,923 |
| Loan and lease loss provision to assets | 0.0432% | 2,774 |
| Net operating income to assets | 1.4335% | 1,283 |
| Return on assets (ROA) | 1.4335% | 1,313 |
| Pretax return on assets | 1.5121% | 1,722 |
| Return on Equity (ROE) | 13.2504% | 1,145 |
| Retained earnings to average equity (ytd only) | 4.1748% | 3,252 |
| Net charge-offs to loans | 0.1226% | 1,011 |
| Credit loss provision to net charge-offs | 40.7407% | 2,027 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,781 |
| Efficiency ratio | 60.0806% | 3,796 |
| Assets per employee ($millions) | 5.4387% | 2,044 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 3,752 |
| Loan loss allowance to noncurrent loans | 149.2281% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 2,380 |
| Noncurrent loans to loans | 0.6658% | 2,352 |
| Net loans and leases to total assets | 83.9001% | 382 |
| Net loans and leases to deposits | 102.4690% | 470 |
| Net loans and leases to core deposits | 120.4437% | 516 |
| Total domestic deposits to total assets | 81.8785% | 3,753 |
| Equity capital to assets | 10.7494% | 3,103 |
| Core capital (leverage) ratio | 11.0174% | 2,562 |
| Tier 1 risk-based capital ratio | 12.2059% | 4,352 |
| Total risk-based capital ratio | 13.1570% | 4,409 |
| Memoranda: | ||
| Average total assets | $101,847,000 | 4,074 |
| Average earning assets | $98,497,500 | 3,992 |
| Average equity | $11,018,500 | 4,187 |
| Average total loans | $88,062,000 | 3,535 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 1,175 |
| Cost of funding earning assets | 0.9523% | 914 |
| Net interest margin | 3.9909% | 2,010 |
| Noninterest income to average assets | 0.2157% | 4,620 |
| Noninterest expense to average assets | 2.3270% | 4,057 |
| Loan and lease loss provision to assets | 0.1575% | 1,316 |
| Net operating income to assets | 1.4948% | 1,136 |
| Return on assets (ROA) | 1.4948% | 1,119 |
| Pretax return on assets | 1.5745% | 1,536 |
| Return on Equity (ROE) | 13.8555% | 1,078 |
| Retained earnings to average equity (ytd only) | 7.2215% | 1,569 |
| Net charge-offs to loans | 0.1095% | 1,651 |
| Credit loss provision to net charge-offs | 165.5914% | 1,685 |
| Earnings coverage of net charge-offs (x) | 18.2151% | 2,152 |
| Efficiency ratio | 57.3300% | 4,241 |
| Assets per employee ($millions) | 5.9034% | 1,593 |
| Cash dividends to net income (ytd only)* | 47.8796% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,683 |
| Loan loss allowance to noncurrent loans | 140.4120% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 2,157 |
| Noncurrent loans to loans | 0.7126% | 2,209 |
| Net loans and leases to total assets | 87.3563% | 145 |
| Net loans and leases to deposits | 107.2338% | 329 |
| Net loans and leases to core deposits | 124.4874% | 429 |
| Total domestic deposits to total assets | 81.4634% | 3,795 |
| Equity capital to assets | 10.8900% | 2,802 |
| Core capital (leverage) ratio | 11.0657% | 2,465 |
| Tier 1 risk-based capital ratio | 11.9550% | 4,451 |
| Total risk-based capital ratio | 12.9135% | 4,526 |
| Memoranda: | ||
| Average total assets | $97,806,400 | 4,135 |
| Average earning assets | $94,189,400 | 4,063 |
| Average equity | $10,551,800 | 4,229 |
| Average total loans | $84,906,600 | 3,571 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 1,261 |
| Cost of funding earning assets | 0.8958% | 942 |
| Net interest margin | 3.9686% | 2,056 |
| Noninterest income to average assets | 0.2195% | 4,648 |
| Noninterest expense to average assets | 2.3574% | 3,953 |
| Loan and lease loss provision to assets | 0.1358% | 1,472 |
| Net operating income to assets | 1.4682% | 1,282 |
| Return on assets (ROA) | 1.4682% | 1,283 |
| Pretax return on assets | 1.5437% | 1,756 |
| Return on Equity (ROE) | 13.6422% | 1,217 |
| Retained earnings to average equity (ytd only) | 7.9049% | 1,701 |
| Net charge-offs to loans | 0.1000% | 1,492 |
| Credit loss provision to net charge-offs | 157.1429% | 1,648 |
| Earnings coverage of net charge-offs (x) | 19.4281% | 2,006 |
| Efficiency ratio | 58.3956% | 4,058 |
| Assets per employee ($millions) | 5.4746% | 1,936 |
| Cash dividends to net income (ytd only)* | 42.0565% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,796 |
| Loan loss allowance to noncurrent loans | 164.6272% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 2,619 |
| Noncurrent loans to loans | 0.6048% | 2,567 |
| Net loans and leases to total assets | 86.8869% | 196 |
| Net loans and leases to deposits | 107.0517% | 396 |
| Net loans and leases to core deposits | 123.2560% | 483 |
| Total domestic deposits to total assets | 81.1636% | 3,825 |
| Equity capital to assets | 10.9221% | 2,729 |
| Core capital (leverage) ratio | 11.0894% | 2,495 |
| Tier 1 risk-based capital ratio | 12.1188% | 4,434 |
| Total risk-based capital ratio | 13.0753% | 4,474 |
| Memoranda: | ||
| Average total assets | $97,168,500 | 4,189 |
| Average earning assets | $93,465,750 | 4,119 |
| Average equity | $10,457,500 | 4,281 |
| Average total loans | $83,994,500 | 3,625 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 1,337 |
| Cost of funding earning assets | 0.8403% | 962 |
| Net interest margin | 3.9259% | 2,122 |
| Noninterest income to average assets | 0.2399% | 4,578 |
| Noninterest expense to average assets | 2.4072% | 3,876 |
| Loan and lease loss provision to assets | 0.1572% | 1,196 |
| Net operating income to assets | 1.3732% | 1,530 |
| Return on assets (ROA) | 1.3732% | 1,530 |
| Pretax return on assets | 1.4435% | 2,008 |
| Return on Equity (ROE) | 12.8239% | 1,434 |
| Retained earnings to average equity (ytd only) | 7.0300% | 2,060 |
| Net charge-offs to loans | 0.1395% | 1,080 |
| Credit loss provision to net charge-offs | 131.0345% | 1,712 |
| Earnings coverage of net charge-offs (x) | 13.3448% | 2,154 |
| Efficiency ratio | 60.0619% | 3,923 |
| Assets per employee ($millions) | 4.8505% | 2,616 |
| Cash dividends to net income (ytd only)* | 45.1807% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 3,878 |
| Loan loss allowance to noncurrent loans | 189.8649% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 2,898 |
| Noncurrent loans to loans | 0.5240% | 2,851 |
| Net loans and leases to total assets | 86.4734% | 230 |
| Net loans and leases to deposits | 105.2759% | 467 |
| Net loans and leases to core deposits | 118.6470% | 604 |
| Total domestic deposits to total assets | 82.1398% | 3,670 |
| Equity capital to assets | 10.8382% | 2,794 |
| Core capital (leverage) ratio | 11.1996% | 2,349 |
| Tier 1 risk-based capital ratio | 11.9892% | 4,502 |
| Total risk-based capital ratio | 12.9379% | 4,573 |
| Memoranda: | ||
| Average total assets | $96,710,330 | 4,234 |
| Average earning assets | $92,819,670 | 4,162 |
| Average equity | $10,355,670 | 4,331 |
| Average total loans | $83,165,330 | 3,653 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,437 |
| Cost of funding earning assets | 0.7974% | 964 |
| Net interest margin | 3.8526% | 2,215 |
| Noninterest income to average assets | 0.2361% | 4,592 |
| Noninterest expense to average assets | 2.4648% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3836% | 1,387 |
| Return on assets (ROA) | 1.3836% | 1,402 |
| Pretax return on assets | 1.4540% | 1,822 |
| Return on Equity (ROE) | 13.0005% | 1,261 |
| Retained earnings to average equity (ytd only) | 7.1620% | 2,208 |
| Net charge-offs to loans | 0.0388% | 1,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 43.8750% | 1,016 |
| Efficiency ratio | 62.8964% | 3,651 |
| Assets per employee ($millions) | 4.7604% | 2,782 |
| Cash dividends to net income (ytd only)* | 44.9102% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,970 |
| Loan loss allowance to noncurrent loans | 146.9424% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 2,577 |
| Noncurrent loans to loans | 0.6798% | 2,514 |
| Net loans and leases to total assets | 85.0433% | 335 |
| Net loans and leases to deposits | 103.7200% | 495 |
| Net loans and leases to core deposits | 116.9061% | 697 |
| Total domestic deposits to total assets | 81.9931% | 3,965 |
| Equity capital to assets | 10.8646% | 2,706 |
| Core capital (leverage) ratio | 11.0983% | 2,330 |
| Tier 1 risk-based capital ratio | 12.2586% | 4,401 |
| Total risk-based capital ratio | 13.2148% | 4,464 |
| Memoranda: | ||
| Average total assets | $96,561,000 | 4,276 |
| Average earning assets | $92,301,500 | 4,224 |
| Average equity | $10,276,500 | 4,387 |
| Average total loans | $82,383,000 | 3,703 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 1,244 |
| Cost of funding earning assets | 0.7257% | 907 |
| Net interest margin | 3.9541% | 1,905 |
| Noninterest income to average assets | 0.4067% | 3,592 |
| Noninterest expense to average assets | 2.5515% | 3,602 |
| Loan and lease loss provision to assets | 0.1176% | 1,935 |
| Net operating income to assets | 1.4510% | 903 |
| Return on assets (ROA) | 1.4510% | 916 |
| Pretax return on assets | 1.5294% | 1,526 |
| Return on Equity (ROE) | 13.8957% | 774 |
| Retained earnings to average equity (ytd only) | 7.8100% | 825 |
| Net charge-offs to loans | 0.0724% | 2,415 |
| Credit loss provision to net charge-offs | 188.1356% | 1,447 |
| Earnings coverage of net charge-offs (x) | 26.3559% | 1,681 |
| Efficiency ratio | 60.7719% | 4,143 |
| Assets per employee ($millions) | 4.2571% | 3,565 |
| Cash dividends to net income (ytd only)* | 43.7956% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,985 |
| Loan loss allowance to noncurrent loans | 195.4976% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 3,145 |
| Noncurrent loans to loans | 0.5086% | 2,993 |
| Net loans and leases to total assets | 83.9063% | 458 |
| Net loans and leases to deposits | 104.1571% | 487 |
| Net loans and leases to core deposits | 117.1682% | 683 |
| Total domestic deposits to total assets | 80.5574% | 4,230 |
| Equity capital to assets | 10.4265% | 3,236 |
| Core capital (leverage) ratio | 10.6442% | 2,703 |
| Tier 1 risk-based capital ratio | 11.8859% | 4,606 |
| Total risk-based capital ratio | 12.8389% | 4,684 |
| Memoranda: | ||
| Average total assets | $94,416,000 | 4,336 |
| Average earning assets | $90,539,400 | 4,276 |
| Average equity | $9,859,200 | 4,477 |
| Average total loans | $81,471,600 | 3,724 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 1,289 |
| Cost of funding earning assets | 0.6889% | 1,017 |
| Net interest margin | 3.9406% | 1,894 |
| Noninterest income to average assets | 0.4832% | 3,129 |
| Noninterest expense to average assets | 2.5044% | 3,716 |
| Loan and lease loss provision to assets | 0.1354% | 1,597 |
| Net operating income to assets | 1.5608% | 783 |
| Return on assets (ROA) | 1.5608% | 800 |
| Pretax return on assets | 1.6349% | 1,296 |
| Return on Equity (ROE) | 14.9406% | 657 |
| Retained earnings to average equity (ytd only) | 8.8007% | 913 |
| Net charge-offs to loans | 0.0493% | 2,443 |
| Credit loss provision to net charge-offs | 316.6667% | 945 |
| Earnings coverage of net charge-offs (x) | 41.3990% | 1,265 |
| Efficiency ratio | 58.5862% | 4,419 |
| Assets per employee ($millions) | 4.2643% | 3,534 |
| Cash dividends to net income (ytd only)* | 41.0963% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 4,107 |
| Loan loss allowance to noncurrent loans | 207.9404% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 3,386 |
| Noncurrent loans to loans | 0.4774% | 3,252 |
| Net loans and leases to total assets | 85.2080% | 320 |
| Net loans and leases to deposits | 106.4557% | 394 |
| Net loans and leases to core deposits | 119.8027% | 594 |
| Total domestic deposits to total assets | 80.0408% | 4,302 |
| Equity capital to assets | 10.3456% | 3,539 |
| Core capital (leverage) ratio | 10.6535% | 2,824 |
| Tier 1 risk-based capital ratio | 11.5495% | 4,928 |
| Total risk-based capital ratio | 12.5017% | 5,001 |
| Memoranda: | ||
| Average total assets | $93,541,500 | 4,398 |
| Average earning assets | $90,000,500 | 4,332 |
| Average equity | $9,771,750 | 4,536 |
| Average total loans | $81,094,250 | 3,758 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,380 |
| Cost of funding earning assets | 0.6416% | 1,201 |
| Net interest margin | 3.9126% | 1,883 |
| Noninterest income to average assets | 0.2695% | 4,618 |
| Noninterest expense to average assets | 2.5644% | 3,537 |
| Loan and lease loss provision to assets | 0.1260% | 1,645 |
| Net operating income to assets | 1.2800% | 1,357 |
| Return on assets (ROA) | 1.2800% | 1,383 |
| Pretax return on assets | 1.3561% | 2,184 |
| Return on Equity (ROE) | 12.2115% | 1,232 |
| Retained earnings to average equity (ytd only) | 5.9917% | 2,119 |
| Net charge-offs to loans | 0.0475% | 2,266 |
| Credit loss provision to net charge-offs | 305.2632% | 952 |
| Earnings coverage of net charge-offs (x) | 35.8947% | 1,344 |
| Efficiency ratio | 63.3727% | 3,781 |
| Assets per employee ($millions) | 4.7005% | 2,789 |
| Cash dividends to net income (ytd only)* | 50.9338% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 4,229 |
| Loan loss allowance to noncurrent loans | 238.1232% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,661 |
| Noncurrent loans to loans | 0.4145% | 3,537 |
| Net loans and leases to total assets | 86.6492% | 232 |
| Net loans and leases to deposits | 104.7476% | 455 |
| Net loans and leases to core deposits | 119.6434% | 569 |
| Total domestic deposits to total assets | 82.7219% | 3,649 |
| Equity capital to assets | 10.4299% | 3,431 |
| Core capital (leverage) ratio | 10.6058% | 2,807 |
| Tier 1 risk-based capital ratio | 11.4704% | 4,973 |
| Total risk-based capital ratio | 12.4200% | 5,051 |
| Memoranda: | ||
| Average total assets | $92,028,670 | 4,465 |
| Average earning assets | $88,840,330 | 4,382 |
| Average equity | $9,646,670 | 4,571 |
| Average total loans | $79,989,000 | 3,794 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 1,199 |
| Cost of funding earning assets | 0.6027% | 1,352 |
| Net interest margin | 3.9722% | 1,546 |
| Noninterest income to average assets | 0.2680% | 4,626 |
| Noninterest expense to average assets | 2.6187% | 3,424 |
| Loan and lease loss provision to assets | 0.0571% | 2,664 |
| Net operating income to assets | 1.3401% | 1,138 |
| Return on assets (ROA) | 1.3401% | 1,171 |
| Pretax return on assets | 1.4148% | 1,837 |
| Return on Equity (ROE) | 12.7515% | 1,052 |
| Retained earnings to average equity (ytd only) | 6.4803% | 2,093 |
| Net charge-offs to loans | -0.0254% | 4,855 |
| Credit loss provision to net charge-offs | -260.0000% | 4,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0172% | 3,831 |
| Assets per employee ($millions) | 4.1253% | 3,796 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 4,341 |
| Loan loss allowance to noncurrent loans | 234.0237% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 3,714 |
| Noncurrent loans to loans | 0.4236% | 3,576 |
| Net loans and leases to total assets | 87.0466% | 157 |
| Net loans and leases to deposits | 106.1657% | 317 |
| Net loans and leases to core deposits | 118.2334% | 517 |
| Total domestic deposits to total assets | 81.9913% | 4,172 |
| Equity capital to assets | 10.6307% | 3,038 |
| Core capital (leverage) ratio | 10.7534% | 2,638 |
| Tier 1 risk-based capital ratio | 11.6655% | 4,937 |
| Total risk-based capital ratio | 12.6194% | 5,010 |
| Memoranda: | ||
| Average total assets | $91,038,500 | 4,521 |
| Average earning assets | $87,609,500 | 4,449 |
| Average equity | $9,567,500 | 4,608 |
| Average total loans | $78,848,500 | 3,836 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,306 |
| Cost of funding earning assets | 0.6047% | 1,301 |
| Net interest margin | 3.9837% | 1,681 |
| Noninterest income to average assets | 0.2553% | 4,892 |
| Noninterest expense to average assets | 2.5359% | 3,898 |
| Loan and lease loss provision to assets | 0.0196% | 3,979 |
| Net operating income to assets | 1.4611% | 897 |
| Return on assets (ROA) | 1.4611% | 923 |
| Pretax return on assets | 1.5386% | 1,465 |
| Return on Equity (ROE) | 14.5972% | 690 |
| Retained earnings to average equity (ytd only) | 8.0563% | 843 |
| Net charge-offs to loans | 0.0586% | 2,877 |
| Credit loss provision to net charge-offs | 39.1304% | 3,502 |
| Earnings coverage of net charge-offs (x) | 31.0435% | 1,400 |
| Efficiency ratio | 61.9403% | 4,261 |
| Assets per employee ($millions) | 4.1510% | 3,704 |
| Cash dividends to net income (ytd only)* | 44.8096% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,382 |
| Loan loss allowance to noncurrent loans | 174.0991% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 3,315 |
| Noncurrent loans to loans | 0.5699% | 3,131 |
| Net loans and leases to total assets | 84.4636% | 343 |
| Net loans and leases to deposits | 102.4166% | 508 |
| Net loans and leases to core deposits | 112.5651% | 753 |
| Total domestic deposits to total assets | 82.4706% | 3,943 |
| Equity capital to assets | 10.3886% | 3,289 |
| Core capital (leverage) ratio | 10.4051% | 2,984 |
| Tier 1 risk-based capital ratio | 11.6868% | 4,933 |
| Total risk-based capital ratio | 12.6358% | 5,022 |
| Memoranda: | ||
| Average total assets | $91,643,400 | 4,520 |
| Average earning assets | $88,309,800 | 4,427 |
| Average equity | $9,173,000 | 4,722 |
| Average total loans | $78,525,400 | 3,839 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,335 |
| Cost of funding earning assets | 0.5976% | 1,350 |
| Net interest margin | 3.9818% | 1,706 |
| Noninterest income to average assets | 0.2544% | 4,939 |
| Noninterest expense to average assets | 2.5380% | 3,871 |
| Loan and lease loss provision to assets | 0.0160% | 3,925 |
| Net operating income to assets | 1.4667% | 941 |
| Return on assets (ROA) | 1.4667% | 985 |
| Pretax return on assets | 1.5452% | 1,557 |
| Return on Equity (ROE) | 14.7925% | 696 |
| Retained earnings to average equity (ytd only) | 8.1952% | 1,092 |
| Net charge-offs to loans | 0.0407% | 2,823 |
| Credit loss provision to net charge-offs | 45.8333% | 3,087 |
| Earnings coverage of net charge-offs (x) | 44.7488% | 1,155 |
| Efficiency ratio | 61.9149% | 4,247 |
| Assets per employee ($millions) | 4.1442% | 3,700 |
| Cash dividends to net income (ytd only)* | 44.5990% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 4,385 |
| Loan loss allowance to noncurrent loans | 223.2295% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 3,873 |
| Noncurrent loans to loans | 0.4496% | 3,666 |
| Net loans and leases to total assets | 85.2608% | 309 |
| Net loans and leases to deposits | 104.2053% | 443 |
| Net loans and leases to core deposits | 114.6299% | 700 |
| Total domestic deposits to total assets | 81.8201% | 3,994 |
| Equity capital to assets | 10.3179% | 3,784 |
| Core capital (leverage) ratio | 10.1546% | 3,376 |
| Tier 1 risk-based capital ratio | 11.4474% | 5,119 |
| Total risk-based capital ratio | 12.4133% | 5,189 |
| Memoranda: | ||
| Average total assets | $91,724,000 | 4,554 |
| Average earning assets | $88,567,250 | 4,461 |
| Average equity | $9,094,500 | 4,791 |
| Average total loans | $78,680,250 | 3,859 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 1,391 |
| Cost of funding earning assets | 0.5890% | 1,408 |
| Net interest margin | 3.9589% | 1,777 |
| Noninterest income to average assets | 0.2415% | 5,039 |
| Noninterest expense to average assets | 2.5351% | 3,927 |
| Loan and lease loss provision to assets | 0.0239% | 3,653 |
| Net operating income to assets | 1.4384% | 991 |
| Return on assets (ROA) | 1.4384% | 1,041 |
| Pretax return on assets | 1.5146% | 1,627 |
| Return on Equity (ROE) | 14.7047% | 721 |
| Retained earnings to average equity (ytd only) | 8.0309% | 1,160 |
| Net charge-offs to loans | 0.0457% | 2,560 |
| Credit loss provision to net charge-offs | 61.1111% | 2,567 |
| Earnings coverage of net charge-offs (x) | 39.2778% | 1,171 |
| Efficiency ratio | 62.2329% | 4,312 |
| Assets per employee ($millions) | 4.3783% | 3,252 |
| Cash dividends to net income (ytd only)* | 45.3858% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 4,575 |
| Loan loss allowance to noncurrent loans | 289.7810% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 4,309 |
| Noncurrent loans to loans | 0.3425% | 4,138 |
| Net loans and leases to total assets | 86.1395% | 241 |
| Net loans and leases to deposits | 104.8437% | 421 |
| Net loans and leases to core deposits | 115.1797% | 671 |
| Total domestic deposits to total assets | 82.1600% | 3,957 |
| Equity capital to assets | 10.0299% | 4,190 |
| Core capital (leverage) ratio | 9.9174% | 3,666 |
| Tier 1 risk-based capital ratio | 11.0844% | 5,377 |
| Total risk-based capital ratio | 12.0472% | 5,453 |
| Memoranda: | ||
| Average total assets | $91,908,000 | 4,584 |
| Average earning assets | $88,965,000 | 4,484 |
| Average equity | $8,990,330 | 4,846 |
| Average total loans | $78,733,000 | 3,876 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 1,465 |
| Cost of funding earning assets | 0.5809% | 1,473 |
| Net interest margin | 3.9356% | 1,830 |
| Noninterest income to average assets | 0.2699% | 4,803 |
| Noninterest expense to average assets | 2.5727% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4278% | 987 |
| Return on assets (ROA) | 1.4278% | 1,033 |
| Pretax return on assets | 1.5018% | 1,580 |
| Return on Equity (ROE) | 14.7839% | 703 |
| Retained earnings to average equity (ytd only) | 8.0230% | 1,446 |
| Net charge-offs to loans | 0.0512% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,097 |
| Efficiency ratio | 63.1410% | 4,282 |
| Assets per employee ($millions) | 4.3307% | 3,361 |
| Cash dividends to net income (ytd only)* | 45.7317% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 4,535 |
| Loan loss allowance to noncurrent loans | 357.9186% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 4,502 |
| Noncurrent loans to loans | 0.2830% | 4,417 |
| Net loans and leases to total assets | 85.0128% | 293 |
| Net loans and leases to deposits | 104.4431% | 393 |
| Net loans and leases to core deposits | 110.8286% | 812 |
| Total domestic deposits to total assets | 81.3962% | 4,379 |
| Equity capital to assets | 9.8940% | 4,218 |
| Core capital (leverage) ratio | 9.8767% | 3,686 |
| Tier 1 risk-based capital ratio | 10.9445% | 5,534 |
| Total risk-based capital ratio | 11.9110% | 5,593 |
| Memoranda: | ||
| Average total assets | $91,889,500 | 4,620 |
| Average earning assets | $88,830,500 | 4,532 |
| Average equity | $8,874,500 | 4,895 |
| Average total loans | $78,102,000 | 3,913 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 1,388 |
| Cost of funding earning assets | 0.6150% | 1,278 |
| Net interest margin | 3.9637% | 1,835 |
| Noninterest income to average assets | 0.2553% | 5,065 |
| Noninterest expense to average assets | 2.5309% | 4,126 |
| Loan and lease loss provision to assets | 0.0429% | 3,473 |
| Net operating income to assets | 1.4165% | 1,011 |
| Return on assets (ROA) | 1.4012% | 1,076 |
| Pretax return on assets | 1.4752% | 1,636 |
| Return on Equity (ROE) | 15.2834% | 646 |
| Retained earnings to average equity (ytd only) | 6.5066% | 1,540 |
| Net charge-offs to loans | 0.0502% | 3,202 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 1,281 |
| Efficiency ratio | 62.2592% | 4,559 |
| Assets per employee ($millions) | 4.4207% | 3,171 |
| Cash dividends to net income (ytd only)* | 57.4273% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 4,464 |
| Loan loss allowance to noncurrent loans | 410.7692% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 4,764 |
| Noncurrent loans to loans | 0.2497% | 4,536 |
| Net loans and leases to total assets | 83.2639% | 460 |
| Net loans and leases to deposits | 101.5702% | 573 |
| Net loans and leases to core deposits | 108.1303% | 961 |
| Total domestic deposits to total assets | 81.9766% | 4,170 |
| Equity capital to assets | 9.4264% | 4,642 |
| Core capital (leverage) ratio | 9.4164% | 4,295 |
| Tier 1 risk-based capital ratio | 10.8338% | 5,610 |
| Total risk-based capital ratio | 11.8221% | 5,664 |
| Memoranda: | ||
| Average total assets | $93,207,200 | 4,602 |
| Average earning assets | $89,588,000 | 4,516 |
| Average equity | $8,545,200 | 4,949 |
| Average total loans | $79,644,200 | 3,836 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 1,358 |
| Cost of funding earning assets | 0.6182% | 1,296 |
| Net interest margin | 3.9700% | 1,805 |
| Noninterest income to average assets | 0.2615% | 5,067 |
| Noninterest expense to average assets | 2.5151% | 4,147 |
| Loan and lease loss provision to assets | 0.0572% | 3,045 |
| Net operating income to assets | 1.4219% | 1,057 |
| Return on assets (ROA) | 1.4219% | 1,103 |
| Pretax return on assets | 1.4976% | 1,684 |
| Return on Equity (ROE) | 15.6189% | 646 |
| Retained earnings to average equity (ytd only) | 6.2004% | 2,117 |
| Net charge-offs to loans | 0.0633% | 2,682 |
| Credit loss provision to net charge-offs | 105.2632% | 2,182 |
| Earnings coverage of net charge-offs (x) | 28.6290% | 1,539 |
| Efficiency ratio | 61.7978% | 4,605 |
| Assets per employee ($millions) | 3.9861% | 3,897 |
| Cash dividends to net income (ytd only)* | 60.3017% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 4,665 |
| Loan loss allowance to noncurrent loans | 772.1154% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 5,299 |
| Noncurrent loans to loans | 0.1315% | 5,104 |
| Net loans and leases to total assets | 85.3950% | 263 |
| Net loans and leases to deposits | 104.5637% | 424 |
| Net loans and leases to core deposits | 111.4256% | 792 |
| Total domestic deposits to total assets | 81.6680% | 4,267 |
| Equity capital to assets | 9.4425% | 4,822 |
| Core capital (leverage) ratio | 9.2039% | 4,720 |
| Tier 1 risk-based capital ratio | 10.5938% | 5,839 |
| Total risk-based capital ratio | 11.5808% | 5,878 |
| Memoranda: | ||
| Average total assets | $93,300,250 | 4,647 |
| Average earning assets | $89,501,250 | 4,569 |
| Average equity | $8,493,750 | 5,021 |
| Average total loans | $80,030,500 | 3,857 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 1,395 |
| Cost of funding earning assets | 0.6140% | 1,319 |
| Net interest margin | 3.9398% | 1,858 |
| Noninterest income to average assets | 0.2707% | 5,018 |
| Noninterest expense to average assets | 2.4936% | 4,261 |
| Loan and lease loss provision to assets | 0.0682% | 2,752 |
| Net operating income to assets | 1.4088% | 1,075 |
| Return on assets (ROA) | 1.4088% | 1,113 |
| Pretax return on assets | 1.4834% | 1,693 |
| Return on Equity (ROE) | 15.6648% | 645 |
| Retained earnings to average equity (ytd only) | 8.5552% | 1,062 |
| Net charge-offs to loans | 0.0871% | 2,165 |
| Credit loss provision to net charge-offs | 91.4286% | 2,180 |
| Earnings coverage of net charge-offs (x) | 20.8000% | 1,704 |
| Efficiency ratio | 61.6438% | 4,734 |
| Assets per employee ($millions) | 4.0872% | 3,709 |
| Cash dividends to net income (ytd only)* | 45.3858% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 4,906 |
| Loan loss allowance to noncurrent loans | 790.0990% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 5,430 |
| Noncurrent loans to loans | 0.1255% | 5,251 |
| Net loans and leases to total assets | 84.7466% | 317 |
| Net loans and leases to deposits | 103.0875% | 495 |
| Net loans and leases to core deposits | 109.2452% | 878 |
| Total domestic deposits to total assets | 82.2084% | 4,226 |
| Equity capital to assets | 9.1346% | 5,105 |
| Core capital (leverage) ratio | 9.0909% | 4,833 |
| Tier 1 risk-based capital ratio | 10.3933% | 5,957 |
| Total risk-based capital ratio | 11.3594% | 6,000 |
| Memoranda: | ||
| Average total assets | $93,840,000 | 4,684 |
| Average earning assets | $89,902,000 | 4,597 |
| Average equity | $8,439,330 | 5,065 |
| Average total loans | $80,342,670 | 3,865 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,291 |
| Cost of funding earning assets | 0.6092% | 1,370 |
| Net interest margin | 3.9599% | 1,688 |
| Noninterest income to average assets | 0.2517% | 5,159 |
| Noninterest expense to average assets | 2.4574% | 4,419 |
| Loan and lease loss provision to assets | 0.1024% | 1,988 |
| Net operating income to assets | 1.3866% | 1,053 |
| Return on assets (ROA) | 1.3866% | 1,111 |
| Pretax return on assets | 1.4633% | 1,680 |
| Return on Equity (ROE) | 15.5400% | 629 |
| Retained earnings to average equity (ytd only) | 15.5400% | 241 |
| Net charge-offs to loans | 0.1644% | 1,290 |
| Credit loss provision to net charge-offs | 72.7273% | 1,889 |
| Earnings coverage of net charge-offs (x) | 11.1212% | 1,886 |
| Efficiency ratio | 61.0817% | 4,953 |
| Assets per employee ($millions) | 4.2301% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 5,085 |
| Loan loss allowance to noncurrent loans | 618.7500% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 5,404 |
| Noncurrent loans to loans | 0.1601% | 5,200 |
| Net loans and leases to total assets | 85.0788% | 243 |
| Net loans and leases to deposits | 103.7476% | 380 |
| Net loans and leases to core deposits | 110.0201% | 747 |
| Total domestic deposits to total assets | 82.0055% | 4,504 |
| Equity capital to assets | 9.2068% | 5,079 |
| Core capital (leverage) ratio | 9.2072% | 4,698 |
| Tier 1 risk-based capital ratio | 10.4299% | 6,032 |
| Total risk-based capital ratio | 11.3962% | 6,071 |
| Memoranda: | ||
| Average total assets | $93,757,500 | 4,730 |
| Average earning assets | $89,295,000 | 4,652 |
| Average equity | $8,365,500 | 5,124 |
| Average total loans | $80,282,000 | 3,879 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 1,342 |
| Cost of funding earning assets | 0.5926% | 1,829 |
| Net interest margin | 4.0931% | 1,600 |
| Noninterest income to average assets | 0.2448% | 5,375 |
| Noninterest expense to average assets | 2.6277% | 4,124 |
| Loan and lease loss provision to assets | 0.0433% | 3,699 |
| Net operating income to assets | 1.4152% | 1,053 |
| Return on assets (ROA) | 1.4152% | 1,078 |
| Pretax return on assets | 1.4902% | 1,579 |
| Return on Equity (ROE) | 14.5098% | 848 |
| Retained earnings to average equity (ytd only) | 0.0961% | 5,726 |
| Net charge-offs to loans | 0.0378% | 4,079 |
| Credit loss provision to net charge-offs | 132.1429% | 1,802 |
| Earnings coverage of net charge-offs (x) | 46.7500% | 975 |
| Efficiency ratio | 63.1475% | 4,733 |
| Assets per employee ($millions) | 4.2933% | 3,374 |
| Cash dividends to net income (ytd only)* | 99.3377% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 5,094 |
| Loan loss allowance to noncurrent loans | 314.1176% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 4,926 |
| Noncurrent loans to loans | 0.3164% | 4,709 |
| Net loans and leases to total assets | 84.4812% | 307 |
| Net loans and leases to deposits | 104.8499% | 405 |
| Net loans and leases to core deposits | 109.6733% | 794 |
| Total domestic deposits to total assets | 80.5734% | 4,869 |
| Equity capital to assets | 8.6424% | 5,615 |
| Core capital (leverage) ratio | 9.1680% | 4,721 |
| Tier 1 risk-based capital ratio | 10.0445% | 6,250 |
| Total risk-based capital ratio | 11.0229% | 6,275 |
| Memoranda: | ||
| Average total assets | $85,359,000 | 4,931 |
| Average earning assets | $81,674,600 | 4,862 |
| Average equity | $8,325,400 | 5,121 |
| Average total loans | $73,996,400 | 4,054 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,270 |
| Cost of funding earning assets | 0.5976% | 1,856 |
| Net interest margin | 4.1200% | 1,516 |
| Noninterest income to average assets | 0.2327% | 5,540 |
| Noninterest expense to average assets | 2.6799% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4378% | 1,052 |
| Return on assets (ROA) | 1.4378% | 1,096 |
| Pretax return on assets | 1.5133% | 1,606 |
| Return on Equity (ROE) | 14.2797% | 934 |
| Retained earnings to average equity (ytd only) | 4.7174% | 3,269 |
| Net charge-offs to loans | 0.0240% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 72.5505% | 756 |
| Efficiency ratio | 63.9112% | 4,559 |
| Assets per employee ($millions) | 4.0082% | 3,861 |
| Cash dividends to net income (ytd only)* | 66.9641% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 5,111 |
| Loan loss allowance to noncurrent loans | 463.6905% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 5,309 |
| Noncurrent loans to loans | 0.2204% | 5,240 |
| Net loans and leases to total assets | 85.5511% | 220 |
| Net loans and leases to deposits | 102.0080% | 501 |
| Net loans and leases to core deposits | 107.2704% | 884 |
| Total domestic deposits to total assets | 83.8671% | 3,810 |
| Equity capital to assets | 9.5793% | 4,696 |
| Core capital (leverage) ratio | 9.8585% | 3,866 |
| Tier 1 risk-based capital ratio | 11.0370% | 5,976 |
| Total risk-based capital ratio | 12.0473% | 6,043 |
| Memoranda: | ||
| Average total assets | $83,085,500 | 5,040 |
| Average earning assets | $79,867,500 | 4,946 |
| Average equity | $8,366,000 | 5,154 |
| Average total loans | $72,346,500 | 4,149 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6742% | 1,342 |
| Cost of funding earning assets | 0.5932% | 1,954 |
| Net interest margin | 4.0810% | 1,571 |
| Noninterest income to average assets | 0.2162% | 5,656 |
| Noninterest expense to average assets | 2.7007% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3638% | 1,156 |
| Return on assets (ROA) | 1.3638% | 1,195 |
| Pretax return on assets | 1.4376% | 1,759 |
| Return on Equity (ROE) | 13.3109% | 1,096 |
| Retained earnings to average equity (ytd only) | 6.1158% | 2,250 |
| Net charge-offs to loans | 0.0225% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 73.1250% | 711 |
| Efficiency ratio | 65.2613% | 4,474 |
| Assets per employee ($millions) | 3.6176% | 4,622 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 5,101 |
| Loan loss allowance to noncurrent loans | 455.8140% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 5,357 |
| Noncurrent loans to loans | 0.2311% | 5,306 |
| Net loans and leases to total assets | 88.5222% | 84 |
| Net loans and leases to deposits | 101.2482% | 494 |
| Net loans and leases to core deposits | 105.0190% | 960 |
| Total domestic deposits to total assets | 87.4309% | 2,229 |
| Equity capital to assets | 10.1425% | 3,911 |
| Core capital (leverage) ratio | 10.4278% | 3,049 |
| Tier 1 risk-based capital ratio | 11.3022% | 5,903 |
| Total risk-based capital ratio | 12.3484% | 5,946 |
| Memoranda: | ||
| Average total assets | $81,387,330 | 5,126 |
| Average earning assets | $78,216,670 | 5,018 |
| Average equity | $8,339,000 | 5,188 |
| Average total loans | $71,056,000 | 4,201 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 1,412 |
| Cost of funding earning assets | 0.6014% | 1,960 |
| Net interest margin | 4.0334% | 1,651 |
| Noninterest income to average assets | 0.2187% | 5,606 |
| Noninterest expense to average assets | 2.7287% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2823% | 1,261 |
| Return on assets (ROA) | 1.2823% | 1,311 |
| Pretax return on assets | 1.3569% | 1,891 |
| Return on Equity (ROE) | 12.4502% | 1,296 |
| Retained earnings to average equity (ytd only) | 12.4502% | 549 |
| Net charge-offs to loans | 0.0288% | 3,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 54.6000% | 707 |
| Efficiency ratio | 66.7883% | 4,403 |
| Assets per employee ($millions) | 3.8016% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 4,987 |
| Loan loss allowance to noncurrent loans | 452.2989% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 5,408 |
| Noncurrent loans to loans | 0.2498% | 5,355 |
| Net loans and leases to total assets | 86.2601% | 133 |
| Net loans and leases to deposits | 97.8418% | 553 |
| Net loans and leases to core deposits | 100.1323% | 1,097 |
| Total domestic deposits to total assets | 88.1628% | 2,133 |
| Equity capital to assets | 10.5696% | 3,182 |
| Core capital (leverage) ratio | 10.7223% | 2,678 |
| Tier 1 risk-based capital ratio | 12.0237% | 5,631 |
| Total risk-based capital ratio | 13.1405% | 5,638 |
| Memoranda: | ||
| Average total assets | $80,479,000 | 5,200 |
| Average earning assets | $77,155,000 | 5,087 |
| Average equity | $8,289,000 | 5,220 |
| Average total loans | $69,365,000 | 4,288 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 1,154 |
| Cost of funding earning assets | 0.7350% | 1,595 |
| Net interest margin | 4.1358% | 1,556 |
| Noninterest income to average assets | 0.2759% | 5,383 |
| Noninterest expense to average assets | 2.6973% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4388% | 940 |
| Return on assets (ROA) | 1.4400% | 977 |
| Pretax return on assets | 1.4884% | 1,480 |
| Return on Equity (ROE) | 14.2059% | 905 |
| Retained earnings to average equity (ytd only) | 0.4775% | 5,630 |
| Net charge-offs to loans | 0.0619% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 29.2619% | 1,209 |
| Efficiency ratio | 64.4592% | 4,827 |
| Assets per employee ($millions) | 3.6875% | 4,509 |
| Cash dividends to net income (ytd only)* | 96.6387% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 4,927 |
| Loan loss allowance to noncurrent loans | 435.1648% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 5,471 |
| Noncurrent loans to loans | 0.2635% | 5,395 |
| Net loans and leases to total assets | 84.1750% | 243 |
| Net loans and leases to deposits | 94.8839% | 811 |
| Net loans and leases to core deposits | 97.0468% | 1,381 |
| Total domestic deposits to total assets | 88.7137% | 1,795 |
| Equity capital to assets | 10.0339% | 3,722 |
| Core capital (leverage) ratio | 9.9335% | 3,662 |
| Tier 1 risk-based capital ratio | 11.7741% | 5,763 |
| Total risk-based capital ratio | 12.9092% | 5,757 |
| Memoranda: | ||
| Average total assets | $82,638,400 | 5,175 |
| Average earning assets | $78,098,200 | 5,086 |
| Average equity | $8,376,800 | 5,244 |
| Average total loans | $67,885,600 | 4,344 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 1,114 |
| Cost of funding earning assets | 0.7493% | 1,612 |
| Net interest margin | 4.1555% | 1,467 |
| Noninterest income to average assets | 0.2811% | 5,436 |
| Noninterest expense to average assets | 2.6500% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4712% | 948 |
| Return on assets (ROA) | 1.4728% | 994 |
| Pretax return on assets | 1.5515% | 1,464 |
| Return on Equity (ROE) | 14.4931% | 890 |
| Retained earnings to average equity (ytd only) | 5.0102% | 3,076 |
| Net charge-offs to loans | 0.0237% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 80.4144% | 589 |
| Efficiency ratio | 63.0975% | 4,968 |
| Assets per employee ($millions) | 3.9688% | 3,895 |
| Cash dividends to net income (ytd only)* | 65.4305% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 4,740 |
| Loan loss allowance to noncurrent loans | 298.9091% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 5,300 |
| Noncurrent loans to loans | 0.4115% | 5,163 |
| Net loans and leases to total assets | 79.2021% | 628 |
| Net loans and leases to deposits | 89.4046% | 1,232 |
| Net loans and leases to core deposits | 91.3837% | 1,834 |
| Total domestic deposits to total assets | 88.5884% | 1,786 |
| Equity capital to assets | 10.1350% | 3,725 |
| Core capital (leverage) ratio | 10.3172% | 3,214 |
| Tier 1 risk-based capital ratio | 12.4441% | 5,486 |
| Total risk-based capital ratio | 13.6486% | 5,453 |
| Memoranda: | ||
| Average total assets | $83,016,750 | 5,216 |
| Average earning assets | $78,288,500 | 5,124 |
| Average equity | $8,436,000 | 5,288 |
| Average total loans | $67,587,250 | 4,386 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 925 |
| Cost of funding earning assets | 0.7680% | 1,600 |
| Net interest margin | 4.2203% | 1,224 |
| Noninterest income to average assets | 0.3064% | 5,257 |
| Noninterest expense to average assets | 2.7380% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4548% | 972 |
| Return on assets (ROA) | 1.4570% | 1,046 |
| Pretax return on assets | 1.5342% | 1,528 |
| Return on Equity (ROE) | 14.3258% | 940 |
| Retained earnings to average equity (ytd only) | 7.2103% | 1,786 |
| Net charge-offs to loans | 0.0354% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 52.9167% | 771 |
| Efficiency ratio | 64.1243% | 4,848 |
| Assets per employee ($millions) | 3.7313% | 4,346 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 4,864 |
| Loan loss allowance to noncurrent loans | 354.3103% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 5,257 |
| Noncurrent loans to loans | 0.3456% | 5,429 |
| Net loans and leases to total assets | 80.7855% | 461 |
| Net loans and leases to deposits | 91.3481% | 1,020 |
| Net loans and leases to core deposits | 93.3989% | 1,577 |
| Total domestic deposits to total assets | 88.4369% | 1,957 |
| Equity capital to assets | 10.2949% | 3,550 |
| Core capital (leverage) ratio | 10.4479% | 2,943 |
| Tier 1 risk-based capital ratio | 12.2785% | 5,637 |
| Total risk-based capital ratio | 13.4687% | 5,614 |
| Memoranda: | ||
| Average total assets | $82,907,330 | 5,250 |
| Average earning assets | $77,861,670 | 5,173 |
| Average equity | $8,432,330 | 5,326 |
| Average total loans | $67,838,670 | 4,386 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9491% | 978 |
| Cost of funding earning assets | 0.7744% | 1,682 |
| Net interest margin | 4.1747% | 1,262 |
| Noninterest income to average assets | 0.3553% | 4,830 |
| Noninterest expense to average assets | 2.7750% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4163% | 1,001 |
| Return on assets (ROA) | 1.4163% | 1,085 |
| Pretax return on assets | 1.4883% | 1,592 |
| Return on Equity (ROE) | 14.0093% | 961 |
| Retained earnings to average equity (ytd only) | 14.0093% | 447 |
| Net charge-offs to loans | -0.0293% | 5,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0901% | 4,813 |
| Assets per employee ($millions) | 3.6951% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 4,946 |
| Loan loss allowance to noncurrent loans | 165.4832% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 4,497 |
| Noncurrent loans to loans | 0.7557% | 4,615 |
| Net loans and leases to total assets | 81.4941% | 309 |
| Net loans and leases to deposits | 92.3923% | 773 |
| Net loans and leases to core deposits | 94.8229% | 1,282 |
| Total domestic deposits to total assets | 88.2044% | 2,192 |
| Equity capital to assets | 10.5360% | 3,505 |
| Core capital (leverage) ratio | 10.3727% | 2,938 |
| Tier 1 risk-based capital ratio | 12.3173% | 5,704 |
| Total risk-based capital ratio | 13.5373% | 5,684 |
| Memoranda: | ||
| Average total assets | $83,316,500 | 5,288 |
| Average earning assets | $77,994,000 | 5,205 |
| Average equity | $8,423,000 | 5,384 |
| Average total loans | $68,189,000 | 4,417 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1821% | 1,149 |
| Cost of funding earning assets | 0.9619% | 1,572 |
| Net interest margin | 4.2202% | 1,603 |
| Noninterest income to average assets | 0.4632% | 4,151 |
| Noninterest expense to average assets | 2.9061% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4689% | 975 |
| Return on assets (ROA) | 1.4689% | 1,084 |
| Pretax return on assets | 1.5459% | 1,535 |
| Return on Equity (ROE) | 14.1545% | 966 |
| Retained earnings to average equity (ytd only) | 0.6123% | 5,546 |
| Net charge-offs to loans | 0.0860% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 22.5893% | 1,254 |
| Efficiency ratio | 65.2759% | 4,651 |
| Assets per employee ($millions) | 3.7104% | 4,539 |
| Cash dividends to net income (ytd only)* | 95.6739% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 5,095 |
| Loan loss allowance to noncurrent loans | 379.0909% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 5,559 |
| Noncurrent loans to loans | 0.3175% | 5,692 |
| Net loans and leases to total assets | 80.2156% | 450 |
| Net loans and leases to deposits | 99.0924% | 456 |
| Net loans and leases to core deposits | 103.3985% | 817 |
| Total domestic deposits to total assets | 80.9503% | 5,422 |
| Equity capital to assets | 9.7035% | 4,585 |
| Core capital (leverage) ratio | 10.2607% | 3,063 |
| Tier 1 risk-based capital ratio | 11.4827% | 6,118 |
| Total risk-based capital ratio | 12.6540% | 6,129 |
| Memoranda: | ||
| Average total assets | $81,828,200 | 5,303 |
| Average earning assets | $77,343,200 | 5,205 |
| Average equity | $8,492,000 | 5,365 |
| Average total loans | $65,085,000 | 4,540 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 1,130 |
| Cost of funding earning assets | 1.0097% | 1,500 |
| Net interest margin | 4.2256% | 1,662 |
| Noninterest income to average assets | 0.4892% | 3,986 |
| Noninterest expense to average assets | 2.9301% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5054% | 1,010 |
| Return on assets (ROA) | 1.5054% | 1,123 |
| Pretax return on assets | 1.5845% | 1,626 |
| Return on Equity (ROE) | 14.2619% | 1,052 |
| Retained earnings to average equity (ytd only) | 4.8996% | 3,439 |
| Net charge-offs to loans | 0.1041% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 19.2385% | 1,508 |
| Efficiency ratio | 64.9033% | 4,640 |
| Assets per employee ($millions) | 3.4683% | 5,043 |
| Cash dividends to net income (ytd only)* | 65.6453% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,881 |
| Loan loss allowance to noncurrent loans | 157.3034% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 4,914 |
| Noncurrent loans to loans | 0.8171% | 4,780 |
| Net loans and leases to total assets | 80.8717% | 443 |
| Net loans and leases to deposits | 96.7037% | 616 |
| Net loans and leases to core deposits | 99.4175% | 1,164 |
| Total domestic deposits to total assets | 83.6283% | 4,380 |
| Equity capital to assets | 10.7281% | 3,578 |
| Core capital (leverage) ratio | 10.4785% | 2,937 |
| Tier 1 risk-based capital ratio | 12.4784% | 5,661 |
| Total risk-based capital ratio | 13.7206% | 5,628 |
| Memoranda: | ||
| Average total assets | $80,950,250 | 5,380 |
| Average earning assets | $77,115,750 | 5,264 |
| Average equity | $8,544,750 | 5,405 |
| Average total loans | $64,033,750 | 4,621 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 1,134 |
| Cost of funding earning assets | 1.0226% | 1,631 |
| Net interest margin | 4.2327% | 1,662 |
| Noninterest income to average assets | 0.3270% | 5,214 |
| Noninterest expense to average assets | 2.8079% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4629% | 1,061 |
| Return on assets (ROA) | 1.4629% | 1,195 |
| Pretax return on assets | 1.5392% | 1,749 |
| Return on Equity (ROE) | 13.9339% | 1,138 |
| Retained earnings to average equity (ytd only) | 13.9339% | 351 |
| Net charge-offs to loans | 0.1604% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 12.2745% | 1,893 |
| Efficiency ratio | 64.5928% | 4,786 |
| Assets per employee ($millions) | 3.4916% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,856 |
| Loan loss allowance to noncurrent loans | 185.2097% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 4,458 |
| Noncurrent loans to loans | 0.7061% | 5,094 |
| Net loans and leases to total assets | 78.8449% | 633 |
| Net loans and leases to deposits | 95.2795% | 676 |
| Net loans and leases to core deposits | 97.5338% | 1,307 |
| Total domestic deposits to total assets | 82.7512% | 4,849 |
| Equity capital to assets | 10.9928% | 3,130 |
| Core capital (leverage) ratio | 10.9218% | 2,377 |
| Tier 1 risk-based capital ratio | 12.9002% | 5,258 |
| Total risk-based capital ratio | 14.1416% | 5,238 |
| Memoranda: | ||
| Average total assets | $81,343,000 | 5,401 |
| Average earning assets | $77,255,670 | 5,291 |
| Average equity | $8,540,330 | 5,404 |
| Average total loans | $63,594,000 | 4,653 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 1,125 |
| Cost of funding earning assets | 1.0349% | 1,773 |
| Net interest margin | 4.2528% | 1,603 |
| Noninterest income to average assets | 0.3274% | 5,247 |
| Noninterest expense to average assets | 2.8145% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4708% | 1,081 |
| Return on assets (ROA) | 1.4708% | 1,209 |
| Pretax return on assets | 1.5490% | 1,743 |
| Return on Equity (ROE) | 14.3393% | 1,118 |
| Retained earnings to average equity (ytd only) | 14.3393% | 528 |
| Net charge-offs to loans | -0.0379% | 6,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5017% | 4,833 |
| Assets per employee ($millions) | 3.1961% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 4,497 |
| Loan loss allowance to noncurrent loans | 401.7937% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 5,020 |
| Noncurrent loans to loans | 0.3545% | 5,964 |
| Net loans and leases to total assets | 77.6091% | 628 |
| Net loans and leases to deposits | 92.1865% | 783 |
| Net loans and leases to core deposits | 94.3349% | 1,438 |
| Total domestic deposits to total assets | 84.1871% | 4,406 |
| Equity capital to assets | 10.6930% | 3,277 |
| Core capital (leverage) ratio | 10.4565% | 2,800 |
| Tier 1 risk-based capital ratio | 12.6970% | 5,450 |
| Total risk-based capital ratio | 13.9479% | 5,407 |
| Memoranda: | ||
| Average total assets | $81,861,000 | 5,417 |
| Average earning assets | $77,690,500 | 5,309 |
| Average equity | $8,396,500 | 5,468 |
| Average total loans | $63,312,500 | 4,683 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5855% | 982 |
| Cost of funding earning assets | 1.2095% | 1,969 |
| Net interest margin | 4.3759% | 1,462 |
| Noninterest income to average assets | 0.3366% | 5,122 |
| Noninterest expense to average assets | 2.9513% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4238% | 981 |
| Return on assets (ROA) | 1.5424% | 821 |
| Pretax return on assets | 1.6244% | 1,151 |
| Return on Equity (ROE) | 14.6257% | 808 |
| Retained earnings to average equity (ytd only) | 0.1161% | 5,782 |
| Net charge-offs to loans | 0.1946% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.2083% | 1,872 |
| Efficiency ratio | 66.3091% | 4,706 |
| Assets per employee ($millions) | 3.6443% | 4,678 |
| Cash dividends to net income (ytd only)* | 99.2063% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,472 |
| Loan loss allowance to noncurrent loans | 330.8550% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 4,077 |
| Noncurrent loans to loans | 0.4222% | 5,864 |
| Net loans and leases to total assets | 74.9556% | 1,094 |
| Net loans and leases to deposits | 89.6773% | 1,194 |
| Net loans and leases to core deposits | 92.1541% | 1,870 |
| Total domestic deposits to total assets | 83.5837% | 4,500 |
| Equity capital to assets | 9.8414% | 4,383 |
| Core capital (leverage) ratio | 10.0397% | 3,290 |
| Tier 1 risk-based capital ratio | 12.0924% | 5,763 |
| Total risk-based capital ratio | 13.3440% | 5,745 |
| Memoranda: | ||
| Average total assets | $81,692,600 | 5,415 |
| Average earning assets | $76,806,200 | 5,319 |
| Average equity | $8,615,000 | 5,378 |
| Average total loans | $61,657,600 | 4,801 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6742% | 886 |
| Cost of funding earning assets | 1.2563% | 1,958 |
| Net interest margin | 4.4179% | 1,357 |
| Noninterest income to average assets | 0.3056% | 5,412 |
| Noninterest expense to average assets | 2.8897% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4852% | 973 |
| Return on assets (ROA) | 1.6444% | 779 |
| Pretax return on assets | 1.7315% | 1,077 |
| Return on Equity (ROE) | 15.3291% | 782 |
| Retained earnings to average equity (ytd only) | 15.3291% | 207 |
| Net charge-offs to loans | 0.2181% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 9.5200% | 2,035 |
| Efficiency ratio | 64.8838% | 4,920 |
| Assets per employee ($millions) | 3.4743% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 4,198 |
| Loan loss allowance to noncurrent loans | 71.7666% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 2.7707% | 2,346 |
| Noncurrent loans to loans | 2.0638% | 3,285 |
| Net loans and leases to total assets | 75.7487% | 1,014 |
| Net loans and leases to deposits | 92.9772% | 921 |
| Net loans and leases to core deposits | 95.7374% | 1,630 |
| Total domestic deposits to total assets | 81.4702% | 5,267 |
| Equity capital to assets | 11.5832% | 2,608 |
| Core capital (leverage) ratio | 11.3635% | 2,122 |
| Tier 1 risk-based capital ratio | 13.8724% | 4,433 |
| Total risk-based capital ratio | 15.1234% | 4,397 |
| Memoranda: | ||
| Average total assets | $81,161,000 | 5,470 |
| Average earning assets | $76,203,000 | 5,376 |
| Average equity | $8,706,500 | 5,386 |
| Average total loans | $61,142,750 | 4,864 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6898% | 892 |
| Cost of funding earning assets | 1.3074% | 1,895 |
| Net interest margin | 4.3824% | 1,429 |
| Noninterest income to average assets | 0.2452% | 5,893 |
| Noninterest expense to average assets | 2.8439% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4342% | 1,012 |
| Return on assets (ROA) | 1.5739% | 811 |
| Pretax return on assets | 1.6573% | 1,142 |
| Return on Equity (ROE) | 15.0645% | 795 |
| Retained earnings to average equity (ytd only) | 15.0645% | 247 |
| Net charge-offs to loans | 0.2850% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 7.0805% | 2,277 |
| Efficiency ratio | 65.3153% | 5,001 |
| Assets per employee ($millions) | 3.4815% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 3,937 |
| Loan loss allowance to noncurrent loans | 70.1368% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 3.1096% | 2,160 |
| Noncurrent loans to loans | 2.1972% | 3,228 |
| Net loans and leases to total assets | 73.6460% | 1,483 |
| Net loans and leases to deposits | 88.3370% | 1,450 |
| Net loans and leases to core deposits | 92.8342% | 2,038 |
| Total domestic deposits to total assets | 83.3693% | 4,601 |
| Equity capital to assets | 11.1708% | 2,792 |
| Core capital (leverage) ratio | 10.6906% | 2,528 |
| Tier 1 risk-based capital ratio | 13.4686% | 4,553 |
| Total risk-based capital ratio | 14.7205% | 4,531 |
| Memoranda: | ||
| Average total assets | $81,578,330 | 5,497 |
| Average earning assets | $76,487,330 | 5,417 |
| Average equity | $8,523,330 | 5,448 |
| Average total loans | $61,043,670 | 4,908 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6578% | 962 |
| Cost of funding earning assets | 1.3355% | 1,979 |
| Net interest margin | 4.3223% | 1,499 |
| Noninterest income to average assets | 0.2526% | 5,877 |
| Noninterest expense to average assets | 2.9442% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2972% | 1,273 |
| Return on assets (ROA) | 1.2972% | 1,312 |
| Pretax return on assets | 1.3652% | 1,827 |
| Return on Equity (ROE) | 12.8481% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.8481% | 610 |
| Net charge-offs to loans | 0.4479% | 2,355 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.0725% | 2,566 |
| Efficiency ratio | 68.3202% | 4,594 |
| Assets per employee ($millions) | 3.7257% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 4,051 |
| Loan loss allowance to noncurrent loans | 66.5959% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 3.1574% | 2,180 |
| Noncurrent loans to loans | 2.2974% | 3,197 |
| Net loans and leases to total assets | 73.8889% | 1,367 |
| Net loans and leases to deposits | 87.2716% | 1,552 |
| Net loans and leases to core deposits | 93.7348% | 1,921 |
| Total domestic deposits to total assets | 84.6654% | 4,201 |
| Equity capital to assets | 10.3032% | 3,407 |
| Core capital (leverage) ratio | 10.2724% | 2,840 |
| Tier 1 risk-based capital ratio | 12.4567% | 5,304 |
| Total risk-based capital ratio | 13.7080% | 5,282 |
| Memoranda: | ||
| Average total assets | $82,330,000 | 5,516 |
| Average earning assets | $77,274,000 | 5,434 |
| Average equity | $8,312,500 | 5,515 |
| Average total loans | $61,618,000 | 4,921 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9717% | 901 |
| Cost of funding earning assets | 1.7069% | 1,569 |
| Net interest margin | 4.2648% | 1,940 |
| Noninterest income to average assets | 0.4070% | 4,853 |
| Noninterest expense to average assets | 2.9535% | 4,024 |
| Loan and lease loss provision to assets | 0.0684% | 6,463 |
| Net operating income to assets | 1.2640% | 1,260 |
| Return on assets (ROA) | 1.2640% | 1,326 |
| Pretax return on assets | 1.3312% | 1,855 |
| Return on Equity (ROE) | 14.2592% | 842 |
| Retained earnings to average equity (ytd only) | 14.2592% | 153 |
| Net charge-offs to loans | 1.1794% | 1,888 |
| Credit loss provision to net charge-offs | 7.5641% | 6,616 |
| Earnings coverage of net charge-offs (x) | 1.5474% | 4,583 |
| Efficiency ratio | 67.8476% | 4,593 |
| Assets per employee ($millions) | 3.7589% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 3,447 |
| Loan loss allowance to noncurrent loans | 78.1734% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 2.9869% | 2,354 |
| Noncurrent loans to loans | 2.0929% | 3,443 |
| Net loans and leases to total assets | 73.4289% | 1,781 |
| Net loans and leases to deposits | 87.0991% | 1,922 |
| Net loans and leases to core deposits | 94.1514% | 2,238 |
| Total domestic deposits to total assets | 84.3050% | 4,223 |
| Equity capital to assets | 9.8918% | 3,885 |
| Core capital (leverage) ratio | 9.5783% | 3,592 |
| Tier 1 risk-based capital ratio | 12.0988% | 5,387 |
| Total risk-based capital ratio | 13.3526% | 5,368 |
| Memoranda: | ||
| Average total assets | $86,236,800 | 5,402 |
| Average earning assets | $79,793,200 | 5,356 |
| Average equity | $7,644,200 | 5,826 |
| Average total loans | $66,137,200 | 4,820 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 885 |
| Cost of funding earning assets | 1.7785% | 1,513 |
| Net interest margin | 4.2489% | 2,040 |
| Noninterest income to average assets | 0.3948% | 5,003 |
| Noninterest expense to average assets | 2.8220% | 4,392 |
| Loan and lease loss provision to assets | 0.0903% | 6,136 |
| Net operating income to assets | 1.3314% | 1,279 |
| Return on assets (ROA) | 1.3314% | 1,357 |
| Pretax return on assets | 1.4018% | 1,875 |
| Return on Equity (ROE) | 15.4452% | 786 |
| Retained earnings to average equity (ytd only) | 15.4452% | 190 |
| Net charge-offs to loans | 1.4773% | 1,363 |
| Credit loss provision to net charge-offs | 7.9195% | 6,346 |
| Earnings coverage of net charge-offs (x) | 1.3087% | 4,768 |
| Efficiency ratio | 65.4133% | 4,973 |
| Assets per employee ($millions) | 3.7272% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 3,415 |
| Loan loss allowance to noncurrent loans | 170.4731% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 2.0566% | 3,398 |
| Noncurrent loans to loans | 0.9547% | 5,323 |
| Net loans and leases to total assets | 73.6856% | 1,868 |
| Net loans and leases to deposits | 86.0117% | 2,339 |
| Net loans and leases to core deposits | 92.9036% | 2,672 |
| Total domestic deposits to total assets | 85.6693% | 3,259 |
| Equity capital to assets | 9.3695% | 5,028 |
| Core capital (leverage) ratio | 9.1056% | 4,523 |
| Tier 1 risk-based capital ratio | 11.0494% | 6,332 |
| Total risk-based capital ratio | 12.3021% | 6,313 |
| Memoranda: | ||
| Average total assets | $87,122,250 | 5,441 |
| Average earning assets | $80,364,000 | 5,394 |
| Average equity | $7,510,250 | 5,942 |
| Average total loans | $67,238,500 | 4,851 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0947% | 762 |
| Cost of funding earning assets | 1.8400% | 1,488 |
| Net interest margin | 4.2546% | 1,945 |
| Noninterest income to average assets | 0.3836% | 5,054 |
| Noninterest expense to average assets | 2.8543% | 4,248 |
| Loan and lease loss provision to assets | 0.1347% | 5,542 |
| Net operating income to assets | 1.2490% | 1,428 |
| Return on assets (ROA) | 1.2490% | 1,490 |
| Pretax return on assets | 1.3175% | 2,033 |
| Return on Equity (ROE) | 14.9121% | 872 |
| Retained earnings to average equity (ytd only) | 14.9121% | 249 |
| Net charge-offs to loans | 2.1862% | 819 |
| Credit loss provision to net charge-offs | 7.9088% | 5,963 |
| Earnings coverage of net charge-offs (x) | 0.8525% | 4,918 |
| Efficiency ratio | 66.2778% | 4,935 |
| Assets per employee ($millions) | 3.4694% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 3,400 |
| Loan loss allowance to noncurrent loans | 145.0000% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 2.1110% | 3,364 |
| Noncurrent loans to loans | 1.1109% | 5,103 |
| Net loans and leases to total assets | 73.5240% | 2,020 |
| Net loans and leases to deposits | 86.3719% | 2,456 |
| Net loans and leases to core deposits | 93.2161% | 2,819 |
| Total domestic deposits to total assets | 85.1248% | 3,560 |
| Equity capital to assets | 8.8453% | 5,675 |
| Core capital (leverage) ratio | 8.6303% | 5,191 |
| Tier 1 risk-based capital ratio | 10.4179% | 6,748 |
| Total risk-based capital ratio | 11.6701% | 6,732 |
| Memoranda: | ||
| Average total assets | $87,588,000 | 5,464 |
| Average earning assets | $80,759,000 | 5,408 |
| Average equity | $7,336,330 | 6,020 |
| Average total loans | $68,247,330 | 4,853 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1692% | 681 |
| Cost of funding earning assets | 1.9134% | 1,392 |
| Net interest margin | 4.2558% | 1,837 |
| Noninterest income to average assets | 0.4817% | 4,187 |
| Noninterest expense to average assets | 2.7904% | 4,516 |
| Loan and lease loss provision to assets | 0.2681% | 3,878 |
| Net operating income to assets | 1.2771% | 1,345 |
| Return on assets (ROA) | 1.2771% | 1,416 |
| Pretax return on assets | 1.3452% | 1,922 |
| Return on Equity (ROE) | 15.6797% | 768 |
| Retained earnings to average equity (ytd only) | 15.6797% | 362 |
| Net charge-offs to loans | 0.9376% | 1,717 |
| Credit loss provision to net charge-offs | 35.9756% | 4,720 |
| Earnings coverage of net charge-offs (x) | 2.1646% | 3,452 |
| Efficiency ratio | 63.3643% | 5,608 |
| Assets per employee ($millions) | 3.6672% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3605% | 1,476 |
| Loan loss allowance to noncurrent loans | 178.6813% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 2.2417% | 3,223 |
| Noncurrent loans to loans | 1.3211% | 4,772 |
| Net loans and leases to total assets | 76.4191% | 1,451 |
| Net loans and leases to deposits | 89.1543% | 2,042 |
| Net loans and leases to core deposits | 96.3637% | 2,548 |
| Total domestic deposits to total assets | 85.7156% | 3,301 |
| Equity capital to assets | 8.3045% | 6,295 |
| Core capital (leverage) ratio | 8.3482% | 5,643 |
| Tier 1 risk-based capital ratio | 9.6886% | 7,216 |
| Total risk-based capital ratio | 10.9499% | 7,200 |
| Memoranda: | ||
| Average total assets | $88,014,500 | 5,515 |
| Average earning assets | $81,112,500 | 5,466 |
| Average equity | $7,168,500 | 6,124 |
| Average total loans | $69,963,500 | 4,863 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5265% | 636 |
| Cost of funding earning assets | 2.3537% | 1,446 |
| Net interest margin | 4.1728% | 2,163 |
| Noninterest income to average assets | 0.2679% | 6,199 |
| Noninterest expense to average assets | 3.0353% | 4,010 |
| Loan and lease loss provision to assets | 1.8362% | 1,225 |
| Net operating income to assets | -1.1524% | 6,683 |
| Return on assets (ROA) | -1.1524% | 6,685 |
| Pretax return on assets | -0.7420% | 6,227 |
| Return on Equity (ROE) | -13.1860% | 6,840 |
| Retained earnings to average equity (ytd only) | -13.1860% | 6,769 |
| Net charge-offs to loans | 1.0861% | 2,249 |
| Credit loss provision to net charge-offs | 204.7014% | 1,887 |
| Earnings coverage of net charge-offs (x) | 1.2198% | 4,905 |
| Efficiency ratio | 73.5026% | 3,999 |
| Assets per employee ($millions) | 3.6674% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4366% | 1,309 |
| Loan loss allowance to noncurrent loans | 154.0036% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 2.7029% | 2,591 |
| Noncurrent loans to loans | 1.5821% | 4,280 |
| Net loans and leases to total assets | 78.7484% | 1,240 |
| Net loans and leases to deposits | 93.0250% | 1,730 |
| Net loans and leases to core deposits | 127.0358% | 1,449 |
| Total domestic deposits to total assets | 84.6530% | 3,730 |
| Equity capital to assets | 7.9848% | 6,601 |
| Core capital (leverage) ratio | 7.8171% | 6,429 |
| Tier 1 risk-based capital ratio | 9.0990% | 7,429 |
| Total risk-based capital ratio | 10.3608% | 7,438 |
| Memoranda: | ||
| Average total assets | $87,733,600 | 5,461 |
| Average earning assets | $81,192,600 | 5,420 |
| Average equity | $7,667,200 | 6,030 |
| Average total loans | $72,464,200 | 4,786 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5509% | 675 |
| Cost of funding earning assets | 2.4035% | 1,624 |
| Net interest margin | 4.1474% | 2,222 |
| Noninterest income to average assets | 0.2570% | 6,397 |
| Noninterest expense to average assets | 2.8518% | 4,660 |
| Loan and lease loss provision to assets | 1.5651% | 1,212 |
| Net operating income to assets | -0.8624% | 6,737 |
| Return on assets (ROA) | -0.8624% | 6,733 |
| Pretax return on assets | -0.3148% | 6,111 |
| Return on Equity (ROE) | -9.6586% | 6,868 |
| Retained earnings to average equity (ytd only) | -9.6586% | 6,771 |
| Net charge-offs to loans | 0.9741% | 2,023 |
| Credit loss provision to net charge-offs | 193.4211% | 2,333 |
| Earnings coverage of net charge-offs (x) | 1.5451% | 4,630 |
| Efficiency ratio | 69.5217% | 4,689 |
| Assets per employee ($millions) | 3.8302% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9202% | 1,978 |
| Loan loss allowance to noncurrent loans | 152.3344% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 2.9571% | 2,341 |
| Noncurrent loans to loans | 1.2605% | 4,839 |
| Net loans and leases to total assets | 81.3483% | 926 |
| Net loans and leases to deposits | 98.1914% | 1,305 |
| Net loans and leases to core deposits | 134.9764% | 1,153 |
| Total domestic deposits to total assets | 82.8467% | 4,305 |
| Equity capital to assets | 8.5466% | 6,190 |
| Core capital (leverage) ratio | 8.4378% | 5,598 |
| Tier 1 risk-based capital ratio | 9.3721% | 7,449 |
| Total risk-based capital ratio | 10.6334% | 7,418 |
| Memoranda: | ||
| Average total assets | $87,662,750 | 5,491 |
| Average earning assets | $81,269,750 | 5,445 |
| Average equity | $7,827,000 | 6,039 |
| Average total loans | $72,819,500 | 4,817 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5653% | 705 |
| Cost of funding earning assets | 2.4500% | 1,776 |
| Net interest margin | 4.1153% | 2,270 |
| Noninterest income to average assets | 0.2605% | 6,412 |
| Noninterest expense to average assets | 3.0073% | 4,055 |
| Loan and lease loss provision to assets | 1.1243% | 1,525 |
| Net operating income to assets | -0.8730% | 6,884 |
| Return on assets (ROA) | -0.8730% | 6,891 |
| Pretax return on assets | -0.0480% | 5,936 |
| Return on Equity (ROE) | -9.6388% | 7,006 |
| Retained earnings to average equity (ytd only) | -9.6388% | 6,839 |
| Net charge-offs to loans | 0.6737% | 2,354 |
| Credit loss provision to net charge-offs | 200.8163% | 2,264 |
| Earnings coverage of net charge-offs (x) | 1.9224% | 4,142 |
| Efficiency ratio | 73.6430% | 4,090 |
| Assets per employee ($millions) | 3.3993% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 2,845 |
| Loan loss allowance to noncurrent loans | 134.5391% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 2.6737% | 2,398 |
| Noncurrent loans to loans | 1.1704% | 4,879 |
| Net loans and leases to total assets | 81.5424% | 1,043 |
| Net loans and leases to deposits | 99.0435% | 1,384 |
| Net loans and leases to core deposits | 131.2355% | 1,473 |
| Total domestic deposits to total assets | 82.3299% | 4,556 |
| Equity capital to assets | 8.7179% | 5,730 |
| Core capital (leverage) ratio | 8.7829% | 4,968 |
| Tier 1 risk-based capital ratio | 9.4926% | 7,392 |
| Total risk-based capital ratio | 10.7429% | 7,350 |
| Memoranda: | ||
| Average total assets | $87,519,000 | 5,537 |
| Average earning assets | $81,305,670 | 5,491 |
| Average equity | $7,926,330 | 6,047 |
| Average total loans | $72,737,330 | 4,853 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6248% | 680 |
| Cost of funding earning assets | 2.5071% | 1,893 |
| Net interest margin | 4.1177% | 2,219 |
| Noninterest income to average assets | 0.2894% | 6,123 |
| Noninterest expense to average assets | 2.7558% | 4,754 |
| Loan and lease loss provision to assets | 0.2388% | 4,075 |
| Net operating income to assets | -0.5787% | 6,950 |
| Return on assets (ROA) | -0.5787% | 6,995 |
| Pretax return on assets | 1.1345% | 2,855 |
| Return on Equity (ROE) | -6.2710% | 7,088 |
| Retained earnings to average equity (ytd only) | -6.2710% | 6,720 |
| Net charge-offs to loans | 0.4580% | 2,305 |
| Credit loss provision to net charge-offs | 62.6506% | 4,472 |
| Earnings coverage of net charge-offs (x) | 3.6024% | 3,126 |
| Efficiency ratio | 66.7408% | 5,186 |
| Assets per employee ($millions) | 3.2779% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 4,789 |
| Loan loss allowance to noncurrent loans | 103.6730% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 2.0182% | 2,873 |
| Noncurrent loans to loans | 1.1598% | 4,666 |
| Net loans and leases to total assets | 84.3581% | 638 |
| Net loans and leases to deposits | 102.1715% | 1,160 |
| Net loans and leases to core deposits | 130.9634% | 1,603 |
| Total domestic deposits to total assets | 82.5652% | 4,346 |
| Equity capital to assets | 9.3586% | 4,857 |
| Core capital (leverage) ratio | 9.2949% | 4,255 |
| Tier 1 risk-based capital ratio | 10.0490% | 6,854 |
| Total risk-based capital ratio | 11.1608% | 6,918 |
| Memoranda: | ||
| Average total assets | $87,088,000 | 5,578 |
| Average earning assets | $81,210,000 | 5,514 |
| Average equity | $8,037,000 | 6,051 |
| Average total loans | $72,495,500 | 4,886 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9311% | 1,308 |
| Cost of funding earning assets | 2.8518% | 2,474 |
| Net interest margin | 4.0793% | 2,797 |
| Noninterest income to average assets | 0.2518% | 6,651 |
| Noninterest expense to average assets | 2.7537% | 5,034 |
| Loan and lease loss provision to assets | 0.5264% | 2,710 |
| Net operating income to assets | 0.5426% | 4,565 |
| Return on assets (ROA) | 0.5594% | 4,340 |
| Pretax return on assets | 0.8750% | 3,811 |
| Return on Equity (ROE) | 5.7962% | 4,030 |
| Retained earnings to average equity (ytd only) | -2.4672% | 5,990 |
| Net charge-offs to loans | 0.4533% | 2,568 |
| Credit loss provision to net charge-offs | 138.7387% | 3,828 |
| Earnings coverage of net charge-offs (x) | 3.6246% | 4,284 |
| Efficiency ratio | 66.6943% | 4,974 |
| Assets per employee ($millions) | 3.4212% | 4,878 |
| Cash dividends to net income (ytd only)* | 142.5662% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 4,093 |
| Loan loss allowance to noncurrent loans | 87.2832% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.8280% | 2,699 |
| Noncurrent loans to loans | 1.4373% | 3,646 |
| Net loans and leases to total assets | 80.1743% | 1,617 |
| Net loans and leases to deposits | 96.7862% | 2,316 |
| Net loans and leases to core deposits | 116.6650% | 3,044 |
| Total domestic deposits to total assets | 82.8364% | 3,836 |
| Equity capital to assets | 9.1040% | 5,221 |
| Core capital (leverage) ratio | 9.3793% | 4,188 |
| Tier 1 risk-based capital ratio | 10.1144% | 6,616 |
| Total risk-based capital ratio | 11.2549% | 6,614 |
| Memoranda: | ||
| Average total assets | $87,774,200 | 5,428 |
| Average earning assets | $83,420,800 | 5,315 |
| Average equity | $8,471,000 | 5,912 |
| Average total loans | $73,455,200 | 4,758 |