Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4288% | 214 |
| Cost of funding earning assets | 1.3639% | 3,474 |
| Net interest margin | 6.0649% | 86 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 4.5108% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6850% | 766 |
| Return on assets (ROA) | 1.6850% | 767 |
| Pretax return on assets | 1.6850% | 1,135 |
| Return on Equity (ROE) | 16.8600% | 781 |
| Retained earnings to average equity (ytd only) | -43.1877% | 4,459 |
| Net charge-offs to loans | -0.0228% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 72.8042% | 1,535 |
| Assets per employee ($millions) | 3.7558% | 4,160 |
| Cash dividends to net income (ytd only)* | 356.2201% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 1,367 |
| Loan loss allowance to noncurrent loans | 1,570.9677% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 3,248 |
| Noncurrent loans to loans | 0.0880% | 3,226 |
| Net loans and leases to total assets | 68.5500% | 2,008 |
| Net loans and leases to deposits | 76.1522% | 2,392 |
| Net loans and leases to core deposits | 80.3270% | 2,670 |
| Total domestic deposits to total assets | 90.0100% | 811 |
| Equity capital to assets | 9.3810% | 2,661 |
| Core capital (leverage) ratio | 9.7092% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0944% | 1,244 |
| Memoranda: | ||
| Average total assets | $99,227,500 | 3,780 |
| Average earning assets | $93,851,000 | 3,749 |
| Average equity | $9,919,500 | 3,790 |
| Average total loans | $70,200,000 | 3,585 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6850% | 207 |
| Cost of funding earning assets | 1.4781% | 3,387 |
| Net interest margin | 6.2070% | 91 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 4.0276% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.3222% | 257 |
| Return on assets (ROA) | 2.3222% | 260 |
| Pretax return on assets | 2.3222% | 376 |
| Return on Equity (ROE) | 23.0900% | 249 |
| Retained earnings to average equity (ytd only) | 10.2056% | 548 |
| Net charge-offs to loans | -0.0112% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 63.4286% | 2,780 |
| Assets per employee ($millions) | 3.2349% | 4,258 |
| Cash dividends to net income (ytd only)* | 55.8036% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 1,335 |
| Loan loss allowance to noncurrent loans | 1,493.8462% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,200 |
| Noncurrent loans to loans | 0.0930% | 3,179 |
| Net loans and leases to total assets | 71.0400% | 1,779 |
| Net loans and leases to deposits | 80.0864% | 2,133 |
| Net loans and leases to core deposits | 86.5717% | 2,355 |
| Total domestic deposits to total assets | 88.7100% | 1,262 |
| Equity capital to assets | 10.6401% | 1,754 |
| Core capital (leverage) ratio | 10.6269% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9706% | 894 |
| Memoranda: | ||
| Average total assets | $96,459,200 | 3,807 |
| Average earning assets | $90,930,200 | 3,774 |
| Average equity | $9,700,600 | 3,791 |
| Average total loans | $71,269,200 | 3,547 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5818% | 226 |
| Cost of funding earning assets | 1.4608% | 3,428 |
| Net interest margin | 6.1210% | 100 |
| Noninterest income to average assets | 0.5000% | 1,897 |
| Noninterest expense to average assets | 3.9980% | 370 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.2717% | 299 |
| Return on assets (ROA) | 2.2717% | 302 |
| Pretax return on assets | 2.2717% | 444 |
| Return on Equity (ROE) | 22.9200% | 272 |
| Retained earnings to average equity (ytd only) | 5.4621% | 2,279 |
| Net charge-offs to loans | -0.0130% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 63.7668% | 2,740 |
| Assets per employee ($millions) | 3.5743% | 4,233 |
| Cash dividends to net income (ytd only)* | 76.1731% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,359 |
| Loan loss allowance to noncurrent loans | 1,447.7612% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,249 |
| Noncurrent loans to loans | 0.0964% | 3,207 |
| Net loans and leases to total assets | 68.5000% | 2,025 |
| Net loans and leases to deposits | 77.0044% | 2,432 |
| Net loans and leases to core deposits | 85.8132% | 2,426 |
| Total domestic deposits to total assets | 88.9600% | 927 |
| Equity capital to assets | 10.2649% | 2,121 |
| Core capital (leverage) ratio | 10.4212% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2930% | 1,040 |
| Memoranda: | ||
| Average total assets | $96,312,000 | 3,821 |
| Average earning assets | $90,724,000 | 3,794 |
| Average equity | $9,544,250 | 3,821 |
| Average total loans | $71,607,750 | 3,551 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5529% | 225 |
| Cost of funding earning assets | 1.4026% | 3,466 |
| Net interest margin | 6.1503% | 98 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 4.0965% | 343 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.1882% | 346 |
| Return on assets (ROA) | 2.1882% | 340 |
| Pretax return on assets | 2.1882% | 491 |
| Return on Equity (ROE) | 22.3600% | 326 |
| Retained earnings to average equity (ytd only) | -1.5052% | 4,111 |
| Net charge-offs to loans | -0.0166% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 65.1825% | 2,633 |
| Assets per employee ($millions) | 3.4551% | 4,266 |
| Cash dividends to net income (ytd only)* | 106.7308% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 1,487 |
| Loan loss allowance to noncurrent loans | 1,384.2857% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,175 |
| Noncurrent loans to loans | 0.0988% | 3,148 |
| Net loans and leases to total assets | 72.2700% | 1,614 |
| Net loans and leases to deposits | 80.7547% | 2,135 |
| Net loans and leases to core deposits | 89.5795% | 2,171 |
| Total domestic deposits to total assets | 89.4900% | 846 |
| Equity capital to assets | 9.7680% | 2,217 |
| Core capital (leverage) ratio | 10.1107% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1488% | 1,234 |
| Memoranda: | ||
| Average total assets | $95,056,333 | 3,846 |
| Average earning assets | $89,263,333 | 3,819 |
| Average equity | $9,301,333 | 3,820 |
| Average total loans | $72,301,333 | 3,545 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4183% | 232 |
| Cost of funding earning assets | 1.3418% | 3,489 |
| Net interest margin | 6.0765% | 111 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 4.1990% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.0422% | 420 |
| Return on assets (ROA) | 2.0422% | 427 |
| Pretax return on assets | 2.0422% | 605 |
| Return on Equity (ROE) | 20.8500% | 393 |
| Retained earnings to average equity (ytd only) | -27.2678% | 4,479 |
| Net charge-offs to loans | 0.0274% | 1,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 96.2000% | 692 |
| Efficiency ratio | 67.2789% | 2,460 |
| Assets per employee ($millions) | 3.3820% | 4,306 |
| Cash dividends to net income (ytd only)* | 230.7692% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 1,659 |
| Loan loss allowance to noncurrent loans | 1,312.3288% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,157 |
| Noncurrent loans to loans | 0.1011% | 3,099 |
| Net loans and leases to total assets | 72.6200% | 1,492 |
| Net loans and leases to deposits | 80.3789% | 2,031 |
| Net loans and leases to core deposits | 85.2538% | 2,356 |
| Total domestic deposits to total assets | 90.3500% | 686 |
| Equity capital to assets | 9.0684% | 2,637 |
| Core capital (leverage) ratio | 9.6571% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2498% | 1,470 |
| Memoranda: | ||
| Average total assets | $94,212,500 | 3,874 |
| Average earning assets | $88,538,000 | 3,843 |
| Average equity | $9,227,000 | 3,848 |
| Average total loans | $73,010,000 | 3,529 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7420% | 278 |
| Cost of funding earning assets | 0.8354% | 3,648 |
| Net interest margin | 5.9066% | 121 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 4.0661% | 347 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 2.0069% | 462 |
| Return on assets (ROA) | 2.0069% | 444 |
| Pretax return on assets | 2.0069% | 663 |
| Return on Equity (ROE) | 21.5600% | 494 |
| Retained earnings to average equity (ytd only) | 12.9818% | 511 |
| Net charge-offs to loans | -0.0117% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.3251% | 2,306 |
| Assets per employee ($millions) | 3.2267% | 4,345 |
| Cash dividends to net income (ytd only)* | 39.7878% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 1,745 |
| Loan loss allowance to noncurrent loans | 1,267.1053% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 2,980 |
| Noncurrent loans to loans | 0.1029% | 3,027 |
| Net loans and leases to total assets | 80.6600% | 565 |
| Net loans and leases to deposits | 90.8051% | 1,206 |
| Net loans and leases to core deposits | 96.5640% | 1,624 |
| Total domestic deposits to total assets | 88.8200% | 1,113 |
| Equity capital to assets | 10.5813% | 1,692 |
| Core capital (leverage) ratio | 10.5370% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5491% | 1,170 |
| Memoranda: | ||
| Average total assets | $93,924,000 | 3,879 |
| Average earning assets | $88,104,800 | 3,848 |
| Average equity | $8,743,000 | 3,848 |
| Average total loans | $77,064,800 | 3,454 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4900% | 306 |
| Cost of funding earning assets | 0.7456% | 3,661 |
| Net interest margin | 5.7444% | 138 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.9738% | 366 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.9574% | 532 |
| Return on assets (ROA) | 1.9574% | 523 |
| Pretax return on assets | 1.9574% | 795 |
| Return on Equity (ROE) | 21.7400% | 584 |
| Retained earnings to average equity (ytd only) | 10.0246% | 1,393 |
| Net charge-offs to loans | -0.0120% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.1517% | 2,259 |
| Assets per employee ($millions) | 3.2803% | 4,366 |
| Cash dividends to net income (ytd only)* | 53.8793% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,149 |
| Loan loss allowance to noncurrent loans | 1,216.4557% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,035 |
| Noncurrent loans to loans | 0.1022% | 3,064 |
| Net loans and leases to total assets | 80.2600% | 607 |
| Net loans and leases to deposits | 92.6154% | 1,008 |
| Net loans and leases to core deposits | 97.2130% | 1,497 |
| Total domestic deposits to total assets | 86.6600% | 1,996 |
| Equity capital to assets | 9.3673% | 2,189 |
| Core capital (leverage) ratio | 9.7303% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2781% | 1,483 |
| Memoranda: | ||
| Average total assets | $94,818,000 | 3,890 |
| Average earning assets | $88,872,500 | 3,859 |
| Average equity | $8,538,750 | 3,874 |
| Average total loans | $77,872,250 | 3,445 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2034% | 346 |
| Cost of funding earning assets | 0.6808% | 3,540 |
| Net interest margin | 5.5227% | 171 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 3.9107% | 365 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.8308% | 622 |
| Return on assets (ROA) | 1.8308% | 620 |
| Pretax return on assets | 1.8308% | 957 |
| Return on Equity (ROE) | 20.6100% | 648 |
| Retained earnings to average equity (ytd only) | 7.5345% | 2,119 |
| Net charge-offs to loans | -0.0128% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.7869% | 2,140 |
| Assets per employee ($millions) | 3.2963% | 4,386 |
| Cash dividends to net income (ytd only)* | 63.4371% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,215 |
| Loan loss allowance to noncurrent loans | 1,169.5122% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 2,935 |
| Noncurrent loans to loans | 0.1062% | 2,952 |
| Net loans and leases to total assets | 79.7600% | 660 |
| Net loans and leases to deposits | 88.8798% | 1,275 |
| Net loans and leases to core deposits | 92.8524% | 1,633 |
| Total domestic deposits to total assets | 89.7400% | 1,001 |
| Equity capital to assets | 9.0174% | 2,509 |
| Core capital (leverage) ratio | 9.5845% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4195% | 1,753 |
| Memoranda: | ||
| Average total assets | $94,714,333 | 3,900 |
| Average earning assets | $89,015,000 | 3,874 |
| Average equity | $8,414,667 | 3,915 |
| Average total loans | $78,058,000 | 3,444 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9426% | 331 |
| Cost of funding earning assets | 0.5484% | 3,540 |
| Net interest margin | 5.3942% | 172 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 4.0944% | 337 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.6208% | 946 |
| Return on assets (ROA) | 1.6208% | 946 |
| Pretax return on assets | 1.6208% | 1,414 |
| Return on Equity (ROE) | 18.3800% | 976 |
| Retained earnings to average equity (ytd only) | -3.2724% | 4,252 |
| Net charge-offs to loans | -0.0153% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8794% | 1,875 |
| Assets per employee ($millions) | 3.3690% | 4,439 |
| Cash dividends to net income (ytd only)* | 117.8010% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,415 |
| Loan loss allowance to noncurrent loans | 1,125.8824% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 2,908 |
| Noncurrent loans to loans | 0.1089% | 2,985 |
| Net loans and leases to total assets | 81.7100% | 396 |
| Net loans and leases to deposits | 91.5044% | 951 |
| Net loans and leases to core deposits | 95.0523% | 1,327 |
| Total domestic deposits to total assets | 89.2900% | 1,424 |
| Equity capital to assets | 8.7977% | 2,662 |
| Core capital (leverage) ratio | 9.0649% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6466% | 2,116 |
| Memoranda: | ||
| Average total assets | $94,275,000 | 3,955 |
| Average earning assets | $88,985,000 | 3,929 |
| Average equity | $8,312,000 | 3,972 |
| Average total loans | $78,486,500 | 3,474 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 367 |
| Cost of funding earning assets | 0.1734% | 3,975 |
| Net interest margin | 4.7179% | 198 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 3.7409% | 405 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1887% | 1,818 |
| Return on assets (ROA) | 1.1526% | 1,905 |
| Pretax return on assets | 1.1526% | 2,594 |
| Return on Equity (ROE) | 13.7100% | 1,599 |
| Retained earnings to average equity (ytd only) | 5.8769% | 2,688 |
| Net charge-offs to loans | -0.0040% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.1383% | 1,207 |
| Assets per employee ($millions) | 3.1406% | 4,506 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 2,697 |
| Loan loss allowance to noncurrent loans | 1,034.4828% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 2,903 |
| Noncurrent loans to loans | 0.1102% | 2,981 |
| Net loans and leases to total assets | 82.8300% | 338 |
| Net loans and leases to deposits | 91.1554% | 970 |
| Net loans and leases to core deposits | 94.6352% | 1,266 |
| Total domestic deposits to total assets | 90.8600% | 1,007 |
| Equity capital to assets | 8.8358% | 2,464 |
| Core capital (leverage) ratio | 9.0781% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3150% | 2,229 |
| Memoranda: | ||
| Average total assets | $97,168,400 | 3,950 |
| Average earning assets | $92,859,800 | 3,908 |
| Average equity | $8,167,600 | 4,084 |
| Average total loans | $75,393,200 | 3,483 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 368 |
| Cost of funding earning assets | 0.1620% | 3,715 |
| Net interest margin | 4.5141% | 235 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 3.4985% | 491 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.2284% | 1,594 |
| Return on assets (ROA) | 1.2284% | 1,568 |
| Pretax return on assets | 1.2284% | 2,260 |
| Return on Equity (ROE) | 14.8000% | 1,219 |
| Retained earnings to average equity (ytd only) | 6.3481% | 2,618 |
| Net charge-offs to loans | -0.0125% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.9809% | 1,511 |
| Assets per employee ($millions) | 3.2614% | 4,529 |
| Cash dividends to net income (ytd only)* | 57.0953% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 2,955 |
| Loan loss allowance to noncurrent loans | 998.8764% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 3,029 |
| Noncurrent loans to loans | 0.1114% | 3,093 |
| Net loans and leases to total assets | 80.7600% | 466 |
| Net loans and leases to deposits | 88.4162% | 1,006 |
| Net loans and leases to core deposits | 91.1087% | 1,225 |
| Total domestic deposits to total assets | 91.3400% | 1,107 |
| Equity capital to assets | 8.3788% | 2,616 |
| Core capital (leverage) ratio | 8.6161% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6615% | 2,593 |
| Memoranda: | ||
| Average total assets | $97,905,750 | 3,971 |
| Average earning assets | $93,836,250 | 3,926 |
| Average equity | $8,128,250 | 4,124 |
| Average total loans | $74,506,500 | 3,509 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 410 |
| Cost of funding earning assets | 0.1732% | 3,276 |
| Net interest margin | 4.2672% | 293 |
| Noninterest income to average assets | 0.5290% | 2,044 |
| Noninterest expense to average assets | 3.4148% | 473 |
| Loan and lease loss provision to assets | 0.2001% | 410 |
| Net operating income to assets | 0.9905% | 2,192 |
| Return on assets (ROA) | 0.9905% | 2,161 |
| Pretax return on assets | 0.9905% | 2,768 |
| Return on Equity (ROE) | 11.9679% | 1,678 |
| Retained earnings to average equity (ytd only) | 4.1949% | 3,013 |
| Net charge-offs to loans | -0.0248% | 3,971 |
| Credit loss provision to net charge-offs | -1,088.8889% | 3,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1463% | 1,490 |
| Assets per employee ($millions) | 3.4479% | 4,561 |
| Cash dividends to net income (ytd only)* | 64.9485% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,651 |
| Loan loss allowance to noncurrent loans | 968.4783% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,075 |
| Noncurrent loans to loans | 0.1247% | 3,096 |
| Net loans and leases to total assets | 72.9210% | 1,014 |
| Net loans and leases to deposits | 79.5316% | 1,418 |
| Net loans and leases to core deposits | 81.8888% | 1,599 |
| Total domestic deposits to total assets | 91.6881% | 969 |
| Equity capital to assets | 8.1079% | 3,037 |
| Core capital (leverage) ratio | 8.4586% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8974% | 2,533 |
| Memoranda: | ||
| Average total assets | $97,927,000 | 4,011 |
| Average earning assets | $93,551,000 | 3,973 |
| Average equity | $8,105,000 | 4,191 |
| Average total loans | $72,707,667 | 3,576 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 413 |
| Cost of funding earning assets | 0.1894% | 2,959 |
| Net interest margin | 4.1496% | 309 |
| Noninterest income to average assets | 0.5119% | 2,086 |
| Noninterest expense to average assets | 3.4635% | 437 |
| Loan and lease loss provision to assets | 0.2023% | 358 |
| Net operating income to assets | 0.8256% | 2,570 |
| Return on assets (ROA) | 0.8256% | 2,569 |
| Pretax return on assets | 0.8256% | 3,028 |
| Return on Equity (ROE) | 9.8717% | 2,005 |
| Retained earnings to average equity (ytd only) | 9.8717% | 1,051 |
| Net charge-offs to loans | -0.0166% | 3,817 |
| Credit loss provision to net charge-offs | -1,633.3333% | 3,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1140% | 1,396 |
| Assets per employee ($millions) | 3.3119% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 3,079 |
| Loan loss allowance to noncurrent loans | 880.0000% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 3,136 |
| Noncurrent loans to loans | 0.1312% | 3,155 |
| Net loans and leases to total assets | 72.0530% | 826 |
| Net loans and leases to deposits | 78.7618% | 1,228 |
| Net loans and leases to core deposits | 81.4150% | 1,387 |
| Total domestic deposits to total assets | 91.4821% | 810 |
| Equity capital to assets | 8.3729% | 3,265 |
| Core capital (leverage) ratio | 8.4296% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7671% | 2,317 |
| Memoranda: | ||
| Average total assets | $96,896,000 | 4,032 |
| Average earning assets | $92,924,500 | 3,995 |
| Average equity | $8,104,000 | 4,260 |
| Average total loans | $72,159,500 | 3,585 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 545 |
| Cost of funding earning assets | 0.3020% | 2,390 |
| Net interest margin | 4.2594% | 440 |
| Noninterest income to average assets | 0.5942% | 2,184 |
| Noninterest expense to average assets | 3.6416% | 405 |
| Loan and lease loss provision to assets | 0.1688% | 690 |
| Net operating income to assets | 0.8212% | 3,268 |
| Return on assets (ROA) | 0.8303% | 3,313 |
| Pretax return on assets | 0.8303% | 3,665 |
| Return on Equity (ROE) | 9.8525% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.4315% | 1,379 |
| Net charge-offs to loans | -0.0699% | 4,458 |
| Credit loss provision to net charge-offs | -321.7391% | 3,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6260% | 894 |
| Assets per employee ($millions) | 3.2564% | 4,643 |
| Cash dividends to net income (ytd only)* | 14.4231% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,394 |
| Loan loss allowance to noncurrent loans | 800.0000% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 3,206 |
| Noncurrent loans to loans | 0.1363% | 3,245 |
| Net loans and leases to total assets | 75.2997% | 562 |
| Net loans and leases to deposits | 82.3290% | 1,035 |
| Net loans and leases to core deposits | 85.7832% | 1,219 |
| Total domestic deposits to total assets | 91.4619% | 322 |
| Equity capital to assets | 8.3538% | 4,142 |
| Core capital (leverage) ratio | 8.3224% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0803% | 2,871 |
| Memoranda: | ||
| Average total assets | $87,680,600 | 4,123 |
| Average earning assets | $83,110,800 | 4,091 |
| Average equity | $7,389,000 | 4,389 |
| Average total loans | $65,849,400 | 3,727 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 624 |
| Cost of funding earning assets | 0.3287% | 2,316 |
| Net interest margin | 4.2127% | 530 |
| Noninterest income to average assets | 0.6062% | 2,196 |
| Noninterest expense to average assets | 3.7320% | 360 |
| Loan and lease loss provision to assets | 0.2047% | 503 |
| Net operating income to assets | 0.6435% | 3,917 |
| Return on assets (ROA) | 0.6559% | 3,935 |
| Pretax return on assets | 0.6559% | 4,148 |
| Return on Equity (ROE) | 7.7641% | 3,470 |
| Retained earnings to average equity (ytd only) | 6.1122% | 2,773 |
| Net charge-offs to loans | -0.0083% | 3,604 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4827% | 668 |
| Assets per employee ($millions) | 2.9310% | 4,764 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,642 |
| Loan loss allowance to noncurrent loans | 580.8000% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 3,161 |
| Noncurrent loans to loans | 0.1816% | 3,221 |
| Net loans and leases to total assets | 77.4477% | 435 |
| Net loans and leases to deposits | 85.0791% | 882 |
| Net loans and leases to core deposits | 89.3301% | 1,071 |
| Total domestic deposits to total assets | 91.0303% | 360 |
| Equity capital to assets | 8.6854% | 4,083 |
| Core capital (leverage) ratio | 8.3448% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5719% | 2,836 |
| Memoranda: | ||
| Average total assets | $85,991,750 | 4,193 |
| Average earning assets | $81,118,250 | 4,167 |
| Average equity | $7,264,000 | 4,458 |
| Average total loans | $64,338,250 | 3,811 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 823 |
| Cost of funding earning assets | 0.3432% | 2,373 |
| Net interest margin | 4.0834% | 716 |
| Noninterest income to average assets | 0.6069% | 2,184 |
| Noninterest expense to average assets | 3.7658% | 344 |
| Loan and lease loss provision to assets | 0.1945% | 572 |
| Net operating income to assets | 0.4945% | 4,232 |
| Return on assets (ROA) | 0.5109% | 4,239 |
| Pretax return on assets | 0.5109% | 4,375 |
| Return on Equity (ROE) | 6.1067% | 3,881 |
| Retained earnings to average equity (ytd only) | 3.5856% | 3,655 |
| Net charge-offs to loans | -0.0255% | 4,088 |
| Credit loss provision to net charge-offs | -1,037.5000% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5345% | 530 |
| Assets per employee ($millions) | 3.2031% | 4,749 |
| Cash dividends to net income (ytd only)* | 41.2844% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,735 |
| Loan loss allowance to noncurrent loans | 661.1650% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 3,129 |
| Noncurrent loans to loans | 0.1554% | 3,427 |
| Net loans and leases to total assets | 73.1407% | 843 |
| Net loans and leases to deposits | 79.9817% | 1,425 |
| Net loans and leases to core deposits | 83.8718% | 1,573 |
| Total domestic deposits to total assets | 91.4468% | 242 |
| Equity capital to assets | 8.3045% | 4,350 |
| Core capital (leverage) ratio | 8.2344% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2051% | 2,917 |
| Memoranda: | ||
| Average total assets | $85,346,000 | 4,223 |
| Average earning assets | $80,423,000 | 4,199 |
| Average equity | $7,139,667 | 4,497 |
| Average total loans | $62,842,667 | 3,850 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 741 |
| Cost of funding earning assets | 0.3738% | 2,323 |
| Net interest margin | 4.1584% | 656 |
| Noninterest income to average assets | 0.6396% | 2,065 |
| Noninterest expense to average assets | 3.7847% | 339 |
| Loan and lease loss provision to assets | 0.1635% | 770 |
| Net operating income to assets | 0.5963% | 3,954 |
| Return on assets (ROA) | 0.6300% | 3,933 |
| Pretax return on assets | 0.6300% | 4,147 |
| Return on Equity (ROE) | 7.5013% | 3,470 |
| Retained earnings to average equity (ytd only) | 2.3477% | 3,938 |
| Net charge-offs to loans | -0.0524% | 4,413 |
| Credit loss provision to net charge-offs | -425.0000% | 3,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2804% | 633 |
| Assets per employee ($millions) | 3.0614% | 4,812 |
| Cash dividends to net income (ytd only)* | 68.7023% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,813 |
| Loan loss allowance to noncurrent loans | 549.5652% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 3,209 |
| Noncurrent loans to loans | 0.1830% | 3,449 |
| Net loans and leases to total assets | 72.5580% | 948 |
| Net loans and leases to deposits | 79.5315% | 1,566 |
| Net loans and leases to core deposits | 83.5934% | 1,710 |
| Total domestic deposits to total assets | 91.2318% | 318 |
| Equity capital to assets | 8.5769% | 4,064 |
| Core capital (leverage) ratio | 8.7545% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4445% | 2,828 |
| Memoranda: | ||
| Average total assets | $83,176,000 | 4,264 |
| Average earning assets | $78,106,500 | 4,249 |
| Average equity | $6,985,500 | 4,524 |
| Average total loans | $61,125,000 | 3,896 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 549 |
| Cost of funding earning assets | 0.6036% | 2,274 |
| Net interest margin | 4.3404% | 466 |
| Noninterest income to average assets | 0.6518% | 2,019 |
| Noninterest expense to average assets | 4.0606% | 361 |
| Loan and lease loss provision to assets | 0.1670% | 2,297 |
| Net operating income to assets | 0.4969% | 4,035 |
| Return on assets (ROA) | 0.4969% | 4,121 |
| Pretax return on assets | 0.4969% | 4,277 |
| Return on Equity (ROE) | 5.7211% | 3,672 |
| Retained earnings to average equity (ytd only) | 1.5072% | 4,028 |
| Net charge-offs to loans | 0.1905% | 890 |
| Credit loss provision to net charge-offs | 122.5490% | 2,613 |
| Earnings coverage of net charge-offs (x) | 4.8725% | 2,925 |
| Efficiency ratio | 85.9485% | 533 |
| Assets per employee ($millions) | 2.7804% | 4,858 |
| Cash dividends to net income (ytd only)* | 73.6559% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 3,898 |
| Loan loss allowance to noncurrent loans | 483.6066% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 1,210 |
| Noncurrent loans to loans | 0.2053% | 3,471 |
| Net loans and leases to total assets | 72.9627% | 1,162 |
| Net loans and leases to deposits | 79.6793% | 1,902 |
| Net loans and leases to core deposits | 83.9965% | 2,034 |
| Total domestic deposits to total assets | 91.5704% | 122 |
| Equity capital to assets | 8.2088% | 4,618 |
| Core capital (leverage) ratio | 7.9373% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2614% | 3,054 |
| Memoranda: | ||
| Average total assets | $74,865,600 | 4,313 |
| Average earning assets | $70,247,400 | 4,294 |
| Average equity | $6,502,200 | 4,584 |
| Average total loans | $53,556,000 | 4,035 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0039% | 599 |
| Cost of funding earning assets | 0.6448% | 2,355 |
| Net interest margin | 4.3591% | 511 |
| Noninterest income to average assets | 0.6592% | 1,948 |
| Noninterest expense to average assets | 4.0803% | 357 |
| Loan and lease loss provision to assets | 0.0872% | 3,222 |
| Net operating income to assets | 0.5920% | 3,792 |
| Return on assets (ROA) | 0.5920% | 3,890 |
| Pretax return on assets | 0.5920% | 4,114 |
| Return on Equity (ROE) | 6.7149% | 3,308 |
| Retained earnings to average equity (ytd only) | 3.1721% | 3,441 |
| Net charge-offs to loans | 0.1638% | 899 |
| Credit loss provision to net charge-offs | 75.0000% | 2,785 |
| Earnings coverage of net charge-offs (x) | 5.8438% | 2,704 |
| Efficiency ratio | 85.7306% | 513 |
| Assets per employee ($millions) | 2.8360% | 4,881 |
| Cash dividends to net income (ytd only)* | 52.7607% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,391 |
| Loan loss allowance to noncurrent loans | 311.2994% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 1,251 |
| Noncurrent loans to loans | 0.3420% | 3,058 |
| Net loans and leases to total assets | 64.4809% | 2,705 |
| Net loans and leases to deposits | 70.6355% | 3,252 |
| Net loans and leases to core deposits | 75.1416% | 3,230 |
| Total domestic deposits to total assets | 91.2868% | 127 |
| Equity capital to assets | 8.4198% | 4,506 |
| Core capital (leverage) ratio | 8.1769% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2796% | 2,074 |
| Memoranda: | ||
| Average total assets | $73,423,750 | 4,345 |
| Average earning assets | $69,063,750 | 4,319 |
| Average equity | $6,473,000 | 4,611 |
| Average total loans | $52,089,500 | 4,092 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 494 |
| Cost of funding earning assets | 0.7113% | 2,328 |
| Net interest margin | 4.5742% | 430 |
| Noninterest income to average assets | 0.5852% | 2,186 |
| Noninterest expense to average assets | 4.3064% | 302 |
| Loan and lease loss provision to assets | 0.0840% | 3,227 |
| Net operating income to assets | 0.4984% | 4,023 |
| Return on assets (ROA) | 0.4984% | 4,101 |
| Pretax return on assets | 0.4984% | 4,251 |
| Return on Equity (ROE) | 5.5608% | 3,648 |
| Retained earnings to average equity (ytd only) | 0.1874% | 4,277 |
| Net charge-offs to loans | 0.2605% | 604 |
| Credit loss provision to net charge-offs | 44.1176% | 2,650 |
| Earnings coverage of net charge-offs (x) | 3.0588% | 2,712 |
| Efficiency ratio | 88.0871% | 450 |
| Assets per employee ($millions) | 2.7922% | 4,910 |
| Cash dividends to net income (ytd only)* | 96.6292% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,467 |
| Loan loss allowance to noncurrent loans | 258.0488% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 1,250 |
| Noncurrent loans to loans | 0.3954% | 2,988 |
| Net loans and leases to total assets | 65.6438% | 2,680 |
| Net loans and leases to deposits | 71.8610% | 3,271 |
| Net loans and leases to core deposits | 76.5037% | 3,245 |
| Total domestic deposits to total assets | 91.3483% | 102 |
| Equity capital to assets | 8.3754% | 4,547 |
| Core capital (leverage) ratio | 8.5434% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7655% | 2,287 |
| Memoranda: | ||
| Average total assets | $71,429,000 | 4,381 |
| Average earning assets | $67,203,333 | 4,353 |
| Average equity | $6,402,000 | 4,639 |
| Average total loans | $52,201,333 | 4,099 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6016% | 298 |
| Cost of funding earning assets | 0.8287% | 2,230 |
| Net interest margin | 4.7729% | 292 |
| Noninterest income to average assets | 0.6113% | 1,992 |
| Noninterest expense to average assets | 4.2555% | 390 |
| Loan and lease loss provision to assets | 0.0882% | 2,584 |
| Net operating income to assets | 0.7700% | 3,022 |
| Return on assets (ROA) | 0.7700% | 3,092 |
| Pretax return on assets | 0.7700% | 3,487 |
| Return on Equity (ROE) | 8.2793% | 2,395 |
| Retained earnings to average equity (ytd only) | 3.2233% | 2,990 |
| Net charge-offs to loans | 0.5422% | 272 |
| Credit loss provision to net charge-offs | 21.1268% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.0563% | 2,317 |
| Efficiency ratio | 83.2184% | 887 |
| Assets per employee ($millions) | 2.1415% | 5,011 |
| Cash dividends to net income (ytd only)* | 61.0687% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 3,775 |
| Loan loss allowance to noncurrent loans | 211.1570% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 1,102 |
| Noncurrent loans to loans | 0.4675% | 2,845 |
| Net loans and leases to total assets | 74.7859% | 1,492 |
| Net loans and leases to deposits | 82.5654% | 2,378 |
| Net loans and leases to core deposits | 89.7030% | 2,377 |
| Total domestic deposits to total assets | 90.5777% | 178 |
| Equity capital to assets | 9.1567% | 4,500 |
| Core capital (leverage) ratio | 9.2949% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4583% | 2,498 |
| Memoranda: | ||
| Average total assets | $68,053,000 | 4,440 |
| Average earning assets | $64,195,500 | 4,418 |
| Average equity | $6,329,000 | 4,682 |
| Average total loans | $52,377,000 | 4,102 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6700% | 425 |
| Cost of funding earning assets | 0.9458% | 1,978 |
| Net interest margin | 4.7242% | 443 |
| Noninterest income to average assets | 0.6334% | 2,079 |
| Noninterest expense to average assets | 4.3024% | 376 |
| Loan and lease loss provision to assets | 0.0511% | 3,002 |
| Net operating income to assets | 0.6903% | 3,900 |
| Return on assets (ROA) | 0.6903% | 3,963 |
| Pretax return on assets | 0.6903% | 4,224 |
| Return on Equity (ROE) | 8.1501% | 3,103 |
| Retained earnings to average equity (ytd only) | 4.9452% | 2,446 |
| Net charge-offs to loans | -0.0668% | 4,878 |
| Credit loss provision to net charge-offs | -97.2222% | 4,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3009% | 582 |
| Assets per employee ($millions) | 2.4135% | 5,029 |
| Cash dividends to net income (ytd only)* | 39.3235% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,107 |
| Loan loss allowance to noncurrent loans | 78.5319% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 1,046 |
| Noncurrent loans to loans | 1.3624% | 1,094 |
| Net loans and leases to total assets | 77.5796% | 1,142 |
| Net loans and leases to deposits | 85.9471% | 2,097 |
| Net loans and leases to core deposits | 95.6121% | 1,932 |
| Total domestic deposits to total assets | 90.2644% | 246 |
| Equity capital to assets | 9.4455% | 4,392 |
| Core capital (leverage) ratio | 9.1280% | 4,423 |
| Tier 1 risk-based capital ratio | 12.3606% | 4,152 |
| Total risk-based capital ratio | 13.4795% | 4,100 |
| Memoranda: | ||
| Average total assets | $68,519,400 | 4,451 |
| Average earning assets | $63,968,200 | 4,437 |
| Average equity | $5,803,600 | 4,785 |
| Average total loans | $53,852,000 | 4,106 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6602% | 444 |
| Cost of funding earning assets | 0.9583% | 1,948 |
| Net interest margin | 4.7019% | 498 |
| Noninterest income to average assets | 0.6419% | 2,026 |
| Noninterest expense to average assets | 4.1751% | 425 |
| Loan and lease loss provision to assets | 0.0679% | 2,526 |
| Net operating income to assets | 0.7660% | 3,788 |
| Return on assets (ROA) | 0.7660% | 3,858 |
| Pretax return on assets | 0.7660% | 4,200 |
| Return on Equity (ROE) | 9.3068% | 2,753 |
| Retained earnings to average equity (ytd only) | 6.3852% | 2,179 |
| Net charge-offs to loans | -0.0764% | 4,937 |
| Credit loss provision to net charge-offs | -112.9032% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3527% | 658 |
| Assets per employee ($millions) | 2.4090% | 5,098 |
| Cash dividends to net income (ytd only)* | 31.3928% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,321 |
| Loan loss allowance to noncurrent loans | 73.7533% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 1,103 |
| Noncurrent loans to loans | 1.4169% | 1,073 |
| Net loans and leases to total assets | 76.1741% | 1,446 |
| Net loans and leases to deposits | 84.0934% | 2,442 |
| Net loans and leases to core deposits | 95.9262% | 2,004 |
| Total domestic deposits to total assets | 90.5827% | 155 |
| Equity capital to assets | 9.0909% | 4,733 |
| Core capital (leverage) ratio | 8.9139% | 4,699 |
| Tier 1 risk-based capital ratio | 11.8827% | 4,469 |
| Total risk-based capital ratio | 12.9514% | 4,472 |
| Memoranda: | ||
| Average total assets | $68,755,000 | 4,501 |
| Average earning assets | $63,859,750 | 4,494 |
| Average equity | $5,658,750 | 4,865 |
| Average total loans | $54,066,750 | 4,145 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5630% | 505 |
| Cost of funding earning assets | 0.9439% | 1,942 |
| Net interest margin | 4.6190% | 594 |
| Noninterest income to average assets | 0.6434% | 1,951 |
| Noninterest expense to average assets | 4.1646% | 434 |
| Loan and lease loss provision to assets | 0.0731% | 2,353 |
| Net operating income to assets | 0.6990% | 4,007 |
| Return on assets (ROA) | 0.6990% | 4,070 |
| Pretax return on assets | 0.6990% | 4,332 |
| Return on Equity (ROE) | 8.8062% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.8062% | 1,091 |
| Net charge-offs to loans | -0.1145% | 5,027 |
| Credit loss provision to net charge-offs | -80.6452% | 3,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3602% | 632 |
| Assets per employee ($millions) | 2.5303% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,453 |
| Loan loss allowance to noncurrent loans | 353.8462% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 3,385 |
| Noncurrent loans to loans | 0.2904% | 3,491 |
| Net loans and leases to total assets | 75.0455% | 1,715 |
| Net loans and leases to deposits | 82.6183% | 2,663 |
| Net loans and leases to core deposits | 96.5130% | 2,020 |
| Total domestic deposits to total assets | 90.8340% | 124 |
| Equity capital to assets | 8.9105% | 4,846 |
| Core capital (leverage) ratio | 9.0561% | 4,587 |
| Tier 1 risk-based capital ratio | 12.1784% | 4,313 |
| Total risk-based capital ratio | 13.2599% | 4,297 |
| Memoranda: | ||
| Average total assets | $68,386,330 | 4,543 |
| Average earning assets | $63,563,330 | 4,533 |
| Average equity | $5,428,000 | 4,932 |
| Average total loans | $54,163,000 | 4,171 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5855% | 441 |
| Cost of funding earning assets | 0.9373% | 1,852 |
| Net interest margin | 4.6482% | 552 |
| Noninterest income to average assets | 0.5599% | 2,229 |
| Noninterest expense to average assets | 4.0682% | 487 |
| Loan and lease loss provision to assets | 0.1191% | 1,469 |
| Net operating income to assets | 0.6850% | 3,988 |
| Return on assets (ROA) | 0.6850% | 4,026 |
| Pretax return on assets | 0.6850% | 4,332 |
| Return on Equity (ROE) | 9.2268% | 2,699 |
| Retained earnings to average equity (ytd only) | 9.2268% | 1,242 |
| Net charge-offs to loans | -0.1177% | 5,063 |
| Credit loss provision to net charge-offs | -125.0000% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4963% | 748 |
| Assets per employee ($millions) | 2.3815% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 3,732 |
| Loan loss allowance to noncurrent loans | 1,662.5000% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 4,183 |
| Noncurrent loans to loans | 0.0599% | 4,489 |
| Net loans and leases to total assets | 79.2790% | 942 |
| Net loans and leases to deposits | 85.9913% | 2,132 |
| Net loans and leases to core deposits | 100.6895% | 1,557 |
| Total domestic deposits to total assets | 92.1942% | 54 |
| Equity capital to assets | 7.6184% | 5,246 |
| Core capital (leverage) ratio | 7.5075% | 5,285 |
| Tier 1 risk-based capital ratio | 10.0280% | 5,281 |
| Total risk-based capital ratio | 11.0755% | 5,274 |
| Memoranda: | ||
| Average total assets | $67,155,000 | 4,617 |
| Average earning assets | $62,304,000 | 4,611 |
| Average equity | $4,985,500 | 5,029 |
| Average total loans | $54,384,000 | 4,201 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1974% | 704 |
| Cost of funding earning assets | 0.7500% | 1,788 |
| Net interest margin | 4.4475% | 846 |
| Noninterest income to average assets | 0.6019% | 2,280 |
| Noninterest expense to average assets | 4.2224% | 393 |
| Loan and lease loss provision to assets | 0.0389% | 3,421 |
| Net operating income to assets | 0.4355% | 4,798 |
| Return on assets (ROA) | 0.4355% | 4,792 |
| Pretax return on assets | 0.4355% | 4,897 |
| Return on Equity (ROE) | 5.7832% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.3752% | 4,190 |
| Net charge-offs to loans | 0.0256% | 2,898 |
| Credit loss provision to net charge-offs | 192.3077% | 1,489 |
| Earnings coverage of net charge-offs (x) | 23.4615% | 1,850 |
| Efficiency ratio | 89.9007% | 346 |
| Assets per employee ($millions) | 2.3320% | 5,257 |
| Cash dividends to net income (ytd only)* | 58.9286% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,188 |
| Loan loss allowance to noncurrent loans | 96.3107% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 1,669 |
| Noncurrent loans to loans | 0.9301% | 1,727 |
| Net loans and leases to total assets | 81.1427% | 788 |
| Net loans and leases to deposits | 87.7188% | 2,079 |
| Net loans and leases to core deposits | 101.8637% | 1,588 |
| Total domestic deposits to total assets | 92.5032% | 51 |
| Equity capital to assets | 7.2321% | 5,313 |
| Core capital (leverage) ratio | 7.3214% | 5,336 |
| Tier 1 risk-based capital ratio | 9.6984% | 5,354 |
| Total risk-based capital ratio | 10.6647% | 5,353 |
| Memoranda: | ||
| Average total assets | $64,300,200 | 4,687 |
| Average earning assets | $59,202,200 | 4,683 |
| Average equity | $4,841,600 | 5,071 |
| Average total loans | $50,769,200 | 4,302 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0216% | 903 |
| Cost of funding earning assets | 0.6987% | 1,850 |
| Net interest margin | 4.3229% | 1,067 |
| Noninterest income to average assets | 0.6050% | 2,280 |
| Noninterest expense to average assets | 4.2645% | 368 |
| Loan and lease loss provision to assets | 0.0210% | 3,594 |
| Net operating income to assets | 0.2836% | 5,108 |
| Return on assets (ROA) | 0.2836% | 5,101 |
| Pretax return on assets | 0.2836% | 5,152 |
| Return on Equity (ROE) | 3.7273% | 4,880 |
| Retained earnings to average equity (ytd only) | 3.7273% | 3,906 |
| Net charge-offs to loans | 0.0054% | 3,242 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 72.4082% | 938 |
| Efficiency ratio | 93.3333% | 252 |
| Assets per employee ($millions) | 2.4680% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 4,056 |
| Loan loss allowance to noncurrent loans | 86.1646% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9319% | 1,578 |
| Noncurrent loans to loans | 1.0996% | 1,549 |
| Net loans and leases to total assets | 77.1883% | 1,471 |
| Net loans and leases to deposits | 83.5000% | 2,656 |
| Net loans and leases to core deposits | 94.9424% | 2,213 |
| Total domestic deposits to total assets | 92.4411% | 57 |
| Equity capital to assets | 7.2617% | 5,355 |
| Core capital (leverage) ratio | 7.8075% | 5,356 |
| Tier 1 risk-based capital ratio | 10.6139% | 5,202 |
| Total risk-based capital ratio | 11.6588% | 5,187 |
| Memoranda: | ||
| Average total assets | $63,468,000 | 4,743 |
| Average earning assets | $58,200,000 | 4,757 |
| Average equity | $4,829,250 | 5,132 |
| Average total loans | $49,618,500 | 4,371 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0429% | 740 |
| Cost of funding earning assets | 0.6675% | 1,827 |
| Net interest margin | 4.3754% | 893 |
| Noninterest income to average assets | 0.6025% | 2,313 |
| Noninterest expense to average assets | 4.3742% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2403% | 5,187 |
| Return on assets (ROA) | 0.2403% | 5,181 |
| Pretax return on assets | 0.2403% | 5,211 |
| Return on Equity (ROE) | 3.1082% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.1082% | 4,006 |
| Net charge-offs to loans | -0.0778% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7917% | 239 |
| Assets per employee ($millions) | 2.5944% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,955 |
| Loan loss allowance to noncurrent loans | 297.6331% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 3,718 |
| Noncurrent loans to loans | 0.3296% | 3,521 |
| Net loans and leases to total assets | 78.2871% | 1,266 |
| Net loans and leases to deposits | 84.7371% | 2,453 |
| Net loans and leases to core deposits | 90.5729% | 2,524 |
| Total domestic deposits to total assets | 92.3882% | 54 |
| Equity capital to assets | 7.4237% | 5,394 |
| Core capital (leverage) ratio | 7.8287% | 5,389 |
| Tier 1 risk-based capital ratio | 10.5520% | 5,251 |
| Total risk-based capital ratio | 11.6268% | 5,227 |
| Memoranda: | ||
| Average total assets | $62,411,670 | 4,818 |
| Average earning assets | $57,228,670 | 4,834 |
| Average equity | $4,826,000 | 5,188 |
| Average total loans | $48,848,670 | 4,426 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 944 |
| Cost of funding earning assets | 0.6115% | 1,973 |
| Net interest margin | 4.2519% | 1,042 |
| Noninterest income to average assets | 0.5949% | 2,286 |
| Noninterest expense to average assets | 4.3538% | 337 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1504% | 5,287 |
| Return on assets (ROA) | 0.1504% | 5,283 |
| Pretax return on assets | 0.1504% | 5,303 |
| Return on Equity (ROE) | 1.9042% | 5,198 |
| Retained earnings to average equity (ytd only) | 1.9042% | 4,385 |
| Net charge-offs to loans | -0.1008% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6618% | 238 |
| Assets per employee ($millions) | 2.2265% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,905 |
| Loan loss allowance to noncurrent loans | 291.7647% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 3,776 |
| Noncurrent loans to loans | 0.3456% | 3,528 |
| Net loans and leases to total assets | 78.1082% | 1,223 |
| Net loans and leases to deposits | 84.7533% | 2,314 |
| Net loans and leases to core deposits | 89.5870% | 2,486 |
| Total domestic deposits to total assets | 92.1595% | 90 |
| Equity capital to assets | 7.6657% | 5,379 |
| Core capital (leverage) ratio | 8.0993% | 5,362 |
| Tier 1 risk-based capital ratio | 10.8599% | 5,215 |
| Total risk-based capital ratio | 11.9626% | 5,172 |
| Memoranda: | ||
| Average total assets | $61,187,500 | 4,900 |
| Average earning assets | $56,257,000 | 4,904 |
| Average equity | $4,831,500 | 5,243 |
| Average total loans | $47,633,000 | 4,494 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 1,112 |
| Cost of funding earning assets | 0.5034% | 2,302 |
| Net interest margin | 4.2317% | 1,121 |
| Noninterest income to average assets | 0.5861% | 2,516 |
| Noninterest expense to average assets | 4.4961% | 317 |
| Loan and lease loss provision to assets | -0.0859% | 5,460 |
| Net operating income to assets | 0.0481% | 5,308 |
| Return on assets (ROA) | 0.0687% | 5,292 |
| Pretax return on assets | 0.0687% | 5,397 |
| Return on Equity (ROE) | 0.8186% | 5,262 |
| Retained earnings to average equity (ytd only) | 0.8186% | 4,704 |
| Net charge-offs to loans | -0.2244% | 5,532 |
| Credit loss provision to net charge-offs | 53.1915% | 3,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8481% | 162 |
| Assets per employee ($millions) | 2.2234% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,619 |
| Loan loss allowance to noncurrent loans | 279.7688% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 3,737 |
| Noncurrent loans to loans | 0.3755% | 3,413 |
| Net loans and leases to total assets | 75.9445% | 1,609 |
| Net loans and leases to deposits | 82.8822% | 2,622 |
| Net loans and leases to core deposits | 90.0545% | 2,567 |
| Total domestic deposits to total assets | 91.6295% | 122 |
| Equity capital to assets | 8.1357% | 5,334 |
| Core capital (leverage) ratio | 8.0853% | 5,399 |
| Tier 1 risk-based capital ratio | 11.0264% | 5,134 |
| Total risk-based capital ratio | 12.1241% | 5,109 |
| Memoranda: | ||
| Average total assets | $58,183,200 | 5,000 |
| Average earning assets | $53,240,600 | 5,013 |
| Average equity | $4,886,400 | 5,291 |
| Average total loans | $41,898,200 | 4,669 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 1,165 |
| Cost of funding earning assets | 0.4794% | 2,434 |
| Net interest margin | 4.2084% | 1,135 |
| Noninterest income to average assets | 0.5936% | 2,511 |
| Noninterest expense to average assets | 4.4443% | 328 |
| Loan and lease loss provision to assets | -0.1155% | 5,604 |
| Net operating income to assets | 0.1178% | 5,427 |
| Return on assets (ROA) | 0.1432% | 5,410 |
| Pretax return on assets | 0.1432% | 5,430 |
| Return on Equity (ROE) | 1.6914% | 5,349 |
| Retained earnings to average equity (ytd only) | 1.6914% | 4,750 |
| Net charge-offs to loans | -0.2904% | 5,604 |
| Credit loss provision to net charge-offs | 56.1798% | 2,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9481% | 179 |
| Assets per employee ($millions) | 2.2011% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,726 |
| Loan loss allowance to noncurrent loans | 286.2275% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,944 |
| Noncurrent loans to loans | 0.3707% | 3,622 |
| Net loans and leases to total assets | 75.0072% | 1,761 |
| Net loans and leases to deposits | 83.3929% | 2,620 |
| Net loans and leases to core deposits | 91.2751% | 2,510 |
| Total domestic deposits to total assets | 89.9443% | 493 |
| Equity capital to assets | 8.4319% | 5,324 |
| Core capital (leverage) ratio | 8.2543% | 5,393 |
| Tier 1 risk-based capital ratio | 11.0316% | 5,231 |
| Total risk-based capital ratio | 12.1110% | 5,217 |
| Memoranda: | ||
| Average total assets | $57,721,000 | 5,066 |
| Average earning assets | $52,845,750 | 5,071 |
| Average equity | $4,887,000 | 5,348 |
| Average total loans | $40,854,000 | 4,749 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 1,297 |
| Cost of funding earning assets | 0.4627% | 2,476 |
| Net interest margin | 4.1180% | 1,275 |
| Noninterest income to average assets | 0.6019% | 2,443 |
| Noninterest expense to average assets | 4.5213% | 313 |
| Loan and lease loss provision to assets | -0.1750% | 5,697 |
| Net operating income to assets | 0.0245% | 5,541 |
| Return on assets (ROA) | 0.0455% | 5,534 |
| Pretax return on assets | 0.0455% | 5,530 |
| Return on Equity (ROE) | 0.5366% | 5,521 |
| Retained earnings to average equity (ytd only) | 0.5366% | 4,970 |
| Net charge-offs to loans | -0.3802% | 5,672 |
| Credit loss provision to net charge-offs | 66.6667% | 2,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4428% | 153 |
| Assets per employee ($millions) | 2.2043% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,504 |
| Loan loss allowance to noncurrent loans | 340.1460% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 4,227 |
| Noncurrent loans to loans | 0.3275% | 3,863 |
| Net loans and leases to total assets | 69.5057% | 2,597 |
| Net loans and leases to deposits | 76.0423% | 3,340 |
| Net loans and leases to core deposits | 86.1543% | 2,864 |
| Total domestic deposits to total assets | 91.4040% | 143 |
| Equity capital to assets | 8.3692% | 5,368 |
| Core capital (leverage) ratio | 8.3518% | 5,316 |
| Tier 1 risk-based capital ratio | 11.4080% | 5,012 |
| Total risk-based capital ratio | 12.5080% | 4,999 |
| Memoranda: | ||
| Average total assets | $57,151,670 | 5,115 |
| Average earning assets | $52,306,330 | 5,119 |
| Average equity | $4,845,670 | 5,394 |
| Average total loans | $39,454,000 | 4,823 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5296% | 1,304 |
| Cost of funding earning assets | 0.4452% | 2,569 |
| Net interest margin | 4.0845% | 1,252 |
| Noninterest income to average assets | 0.5860% | 2,482 |
| Noninterest expense to average assets | 4.4810% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1572% | 5,667 |
| Return on assets (ROA) | -0.1143% | 5,658 |
| Pretax return on assets | -0.1143% | 5,647 |
| Return on Equity (ROE) | -1.3395% | 5,667 |
| Retained earnings to average equity (ytd only) | -1.3395% | 5,107 |
| Net charge-offs to loans | -0.0418% | 5,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6364% | 181 |
| Assets per employee ($millions) | 2.3054% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,351 |
| Loan loss allowance to noncurrent loans | 319.4245% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 4,260 |
| Noncurrent loans to loans | 0.3638% | 3,785 |
| Net loans and leases to total assets | 65.5169% | 3,045 |
| Net loans and leases to deposits | 71.5952% | 3,643 |
| Net loans and leases to core deposits | 81.5269% | 3,138 |
| Total domestic deposits to total assets | 91.5102% | 174 |
| Equity capital to assets | 8.3041% | 5,352 |
| Core capital (leverage) ratio | 8.7738% | 4,981 |
| Tier 1 risk-based capital ratio | 11.9423% | 4,756 |
| Total risk-based capital ratio | 13.0453% | 4,763 |
| Memoranda: | ||
| Average total assets | $55,969,500 | 5,197 |
| Average earning assets | $51,218,500 | 5,190 |
| Average equity | $4,778,000 | 5,462 |
| Average total loans | $38,264,500 | 4,910 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 1,463 |
| Cost of funding earning assets | 0.3211% | 3,835 |
| Net interest margin | 4.2034% | 1,107 |
| Noninterest income to average assets | 0.5497% | 2,918 |
| Noninterest expense to average assets | 4.4971% | 378 |
| Loan and lease loss provision to assets | -0.1129% | 5,702 |
| Net operating income to assets | 0.0094% | 5,636 |
| Return on assets (ROA) | 0.0508% | 5,634 |
| Pretax return on assets | 0.0508% | 5,629 |
| Return on Equity (ROE) | 0.5393% | 5,623 |
| Retained earnings to average equity (ytd only) | 0.5393% | 5,113 |
| Net charge-offs to loans | -0.1024% | 5,601 |
| Credit loss provision to net charge-offs | 171.4286% | 1,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3565% | 195 |
| Assets per employee ($millions) | 2.0887% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,443 |
| Loan loss allowance to noncurrent loans | 289.4737% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 4,101 |
| Noncurrent loans to loans | 0.3966% | 3,725 |
| Net loans and leases to total assets | 69.7634% | 2,519 |
| Net loans and leases to deposits | 78.3947% | 3,057 |
| Net loans and leases to core deposits | 88.6199% | 2,618 |
| Total domestic deposits to total assets | 88.9900% | 1,128 |
| Equity capital to assets | 8.7837% | 5,037 |
| Core capital (leverage) ratio | 8.9442% | 4,806 |
| Tier 1 risk-based capital ratio | 11.3221% | 5,162 |
| Total risk-based capital ratio | 12.3550% | 5,170 |
| Memoranda: | ||
| Average total assets | $53,123,400 | 5,282 |
| Average earning assets | $48,579,600 | 5,273 |
| Average equity | $5,006,800 | 5,466 |
| Average total loans | $34,179,600 | 5,063 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 1,570 |
| Cost of funding earning assets | 0.2895% | 4,216 |
| Net interest margin | 4.2012% | 1,116 |
| Noninterest income to average assets | 0.5477% | 2,927 |
| Noninterest expense to average assets | 4.4773% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0833% | 5,757 |
| Return on assets (ROA) | -0.0278% | 5,751 |
| Pretax return on assets | -0.0278% | 5,742 |
| Return on Equity (ROE) | -0.2896% | 5,754 |
| Retained earnings to average equity (ytd only) | -0.2896% | 5,414 |
| Net charge-offs to loans | -0.1810% | 5,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8955% | 197 |
| Assets per employee ($millions) | 2.2674% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 2,406 |
| Loan loss allowance to noncurrent loans | 270.3704% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,018 |
| Noncurrent loans to loans | 0.5019% | 3,499 |
| Net loans and leases to total assets | 68.2618% | 2,761 |
| Net loans and leases to deposits | 79.1199% | 3,066 |
| Net loans and leases to core deposits | 89.2225% | 2,647 |
| Total domestic deposits to total assets | 86.2763% | 2,228 |
| Equity capital to assets | 9.3206% | 4,847 |
| Core capital (leverage) ratio | 9.0558% | 4,770 |
| Tier 1 risk-based capital ratio | 11.5493% | 5,055 |
| Total risk-based capital ratio | 12.7827% | 4,983 |
| Memoranda: | ||
| Average total assets | $52,828,000 | 5,345 |
| Average earning assets | $48,365,750 | 5,332 |
| Average equity | $5,066,000 | 5,517 |
| Average total loans | $33,143,250 | 5,146 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 1,737 |
| Cost of funding earning assets | 0.2749% | 4,392 |
| Net interest margin | 4.1565% | 1,212 |
| Noninterest income to average assets | 0.5430% | 2,940 |
| Noninterest expense to average assets | 4.5967% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2371% | 5,861 |
| Return on assets (ROA) | -0.1530% | 5,853 |
| Pretax return on assets | -0.1530% | 5,847 |
| Return on Equity (ROE) | -1.5798% | 5,858 |
| Retained earnings to average equity (ytd only) | -1.5798% | 5,500 |
| Net charge-offs to loans | -0.0822% | 5,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4386% | 178 |
| Assets per employee ($millions) | 2.2795% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 2,203 |
| Loan loss allowance to noncurrent loans | 362.1212% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 4,414 |
| Noncurrent loans to loans | 0.3926% | 3,957 |
| Net loans and leases to total assets | 63.2226% | 3,471 |
| Net loans and leases to deposits | 74.3190% | 3,551 |
| Net loans and leases to core deposits | 80.1310% | 3,452 |
| Total domestic deposits to total assets | 85.0693% | 2,841 |
| Equity capital to assets | 9.7179% | 4,542 |
| Core capital (leverage) ratio | 9.1019% | 4,714 |
| Tier 1 risk-based capital ratio | 12.9500% | 4,232 |
| Total risk-based capital ratio | 14.1997% | 4,140 |
| Memoranda: | ||
| Average total assets | $52,298,330 | 5,413 |
| Average earning assets | $48,021,330 | 5,397 |
| Average equity | $5,064,000 | 5,572 |
| Average total loans | $31,638,670 | 5,243 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 1,949 |
| Cost of funding earning assets | 0.2508% | 4,698 |
| Net interest margin | 4.1040% | 1,334 |
| Noninterest income to average assets | 0.5437% | 2,851 |
| Noninterest expense to average assets | 4.5948% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2910% | 5,911 |
| Return on assets (ROA) | -0.2451% | 5,905 |
| Pretax return on assets | -0.2451% | 5,900 |
| Return on Equity (ROE) | -2.5354% | 5,923 |
| Retained earnings to average equity (ytd only) | -2.5354% | 5,434 |
| Net charge-offs to loans | 0.0392% | 2,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -12.6667% | 3,069 |
| Efficiency ratio | 106.7616% | 188 |
| Assets per employee ($millions) | 2.1035% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 2,185 |
| Loan loss allowance to noncurrent loans | 507.6923% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 4,797 |
| Noncurrent loans to loans | 0.2861% | 4,408 |
| Net loans and leases to total assets | 59.6030% | 3,833 |
| Net loans and leases to deposits | 71.7780% | 3,672 |
| Net loans and leases to core deposits | 76.8970% | 3,595 |
| Total domestic deposits to total assets | 83.0380% | 3,878 |
| Equity capital to assets | 9.6106% | 4,556 |
| Core capital (leverage) ratio | 9.1415% | 4,673 |
| Tier 1 risk-based capital ratio | 13.6122% | 3,920 |
| Total risk-based capital ratio | 14.8608% | 3,853 |
| Memoranda: | ||
| Average total assets | $52,233,000 | 5,467 |
| Average earning assets | $47,856,000 | 5,450 |
| Average equity | $5,048,500 | 5,615 |
| Average total loans | $30,645,500 | 5,312 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 1,482 |
| Cost of funding earning assets | 0.1516% | 5,671 |
| Net interest margin | 4.3895% | 814 |
| Noninterest income to average assets | 0.5636% | 2,940 |
| Noninterest expense to average assets | 4.3784% | 443 |
| Loan and lease loss provision to assets | -0.5005% | 6,124 |
| Net operating income to assets | 0.7812% | 3,415 |
| Return on assets (ROA) | 0.8400% | 3,228 |
| Pretax return on assets | 0.8400% | 4,066 |
| Return on Equity (ROE) | 7.5241% | 3,240 |
| Retained earnings to average equity (ytd only) | 0.2924% | 5,394 |
| Net charge-offs to loans | -0.7322% | 6,116 |
| Credit loss provision to net charge-offs | 118.5567% | 2,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9748% | 485 |
| Assets per employee ($millions) | 2.1616% | 6,009 |
| Cash dividends to net income (ytd only)* | 96.1140% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,690 |
| Loan loss allowance to noncurrent loans | 704.5455% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 5,088 |
| Noncurrent loans to loans | 0.2238% | 4,628 |
| Net loans and leases to total assets | 55.9389% | 4,302 |
| Net loans and leases to deposits | 68.0374% | 4,126 |
| Net loans and leases to core deposits | 73.0063% | 4,040 |
| Total domestic deposits to total assets | 82.2179% | 4,106 |
| Equity capital to assets | 9.7209% | 4,273 |
| Core capital (leverage) ratio | 10.1934% | 3,270 |
| Tier 1 risk-based capital ratio | 14.8157% | 3,265 |
| Total risk-based capital ratio | 16.0699% | 3,199 |
| Memoranda: | ||
| Average total assets | $45,952,400 | 5,634 |
| Average earning assets | $42,875,000 | 5,613 |
| Average equity | $5,130,200 | 5,629 |
| Average total loans | $26,494,600 | 5,505 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 1,239 |
| Cost of funding earning assets | 0.1470% | 5,804 |
| Net interest margin | 4.4897% | 669 |
| Noninterest income to average assets | 0.5636% | 2,963 |
| Noninterest expense to average assets | 4.3503% | 459 |
| Loan and lease loss provision to assets | -0.6146% | 6,230 |
| Net operating income to assets | 1.0404% | 2,272 |
| Return on assets (ROA) | 1.1123% | 2,031 |
| Pretax return on assets | 1.1123% | 3,166 |
| Return on Equity (ROE) | 9.6011% | 2,267 |
| Retained earnings to average equity (ytd only) | 6.7026% | 1,833 |
| Net charge-offs to loans | -0.7923% | 6,191 |
| Credit loss provision to net charge-offs | 133.9869% | 1,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0860% | 629 |
| Assets per employee ($millions) | 2.1716% | 6,095 |
| Cash dividends to net income (ytd only)* | 30.1890% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 1,601 |
| Loan loss allowance to noncurrent loans | 1,406.2500% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 5,476 |
| Noncurrent loans to loans | 0.1175% | 5,158 |
| Net loans and leases to total assets | 58.7295% | 4,051 |
| Net loans and leases to deposits | 68.0601% | 4,186 |
| Net loans and leases to core deposits | 72.2947% | 4,164 |
| Total domestic deposits to total assets | 86.2907% | 2,391 |
| Equity capital to assets | 11.5494% | 2,462 |
| Core capital (leverage) ratio | 10.9663% | 2,523 |
| Tier 1 risk-based capital ratio | 17.3955% | 2,217 |
| Total risk-based capital ratio | 18.6484% | 2,171 |
| Memoranda: | ||
| Average total assets | $44,471,000 | 5,745 |
| Average earning assets | $41,724,000 | 5,707 |
| Average equity | $5,152,000 | 5,688 |
| Average total loans | $25,747,000 | 5,590 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 1,205 |
| Cost of funding earning assets | 0.1453% | 5,885 |
| Net interest margin | 4.4887% | 656 |
| Noninterest income to average assets | 0.5262% | 3,194 |
| Noninterest expense to average assets | 4.2501% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4808% | 4,848 |
| Return on assets (ROA) | 0.5080% | 4,844 |
| Pretax return on assets | 0.5080% | 5,202 |
| Return on Equity (ROE) | 4.3804% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.3804% | 3,227 |
| Net charge-offs to loans | -0.8950% | 6,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8370% | 766 |
| Assets per employee ($millions) | 2.4171% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3581% | 585 |
| Loan loss allowance to noncurrent loans | 852.7778% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 4,289 |
| Noncurrent loans to loans | 0.2765% | 4,683 |
| Net loans and leases to total assets | 55.3598% | 4,400 |
| Net loans and leases to deposits | 62.6238% | 4,649 |
| Net loans and leases to core deposits | 65.9165% | 4,663 |
| Total domestic deposits to total assets | 88.4007% | 1,442 |
| Equity capital to assets | 11.0789% | 2,810 |
| Core capital (leverage) ratio | 10.7783% | 2,643 |
| Tier 1 risk-based capital ratio | 17.6634% | 2,167 |
| Total risk-based capital ratio | 18.9230% | 2,117 |
| Memoranda: | ||
| Average total assets | $44,093,330 | 5,817 |
| Average earning assets | $41,303,330 | 5,781 |
| Average equity | $5,113,670 | 5,751 |
| Average total loans | $25,251,670 | 5,657 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 1,148 |
| Cost of funding earning assets | 0.1490% | 5,931 |
| Net interest margin | 4.4903% | 612 |
| Noninterest income to average assets | 0.5558% | 2,917 |
| Noninterest expense to average assets | 4.2522% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4910% | 4,731 |
| Return on assets (ROA) | 0.4910% | 4,848 |
| Pretax return on assets | 0.4910% | 5,201 |
| Return on Equity (ROE) | 4.1354% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.1354% | 3,525 |
| Net charge-offs to loans | -1.1103% | 6,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6484% | 874 |
| Assets per employee ($millions) | 2.4460% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2615% | 738 |
| Loan loss allowance to noncurrent loans | 951.6667% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 4,447 |
| Noncurrent loans to loans | 0.2376% | 4,925 |
| Net loans and leases to total assets | 56.0507% | 4,195 |
| Net loans and leases to deposits | 63.7246% | 4,399 |
| Net loans and leases to core deposits | 67.7093% | 4,361 |
| Total domestic deposits to total assets | 87.9577% | 1,850 |
| Equity capital to assets | 11.7584% | 2,233 |
| Core capital (leverage) ratio | 11.0726% | 2,346 |
| Tier 1 risk-based capital ratio | 18.3594% | 2,046 |
| Total risk-based capital ratio | 19.6199% | 1,997 |
| Memoranda: | ||
| Average total assets | $43,177,500 | 5,890 |
| Average earning assets | $40,265,000 | 5,856 |
| Average equity | $5,126,500 | 5,802 |
| Average total loans | $24,858,500 | 5,719 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 1,309 |
| Cost of funding earning assets | 0.1676% | 5,997 |
| Net interest margin | 4.5317% | 703 |
| Noninterest income to average assets | 0.6402% | 2,617 |
| Noninterest expense to average assets | 4.5205% | 451 |
| Loan and lease loss provision to assets | -0.7190% | 6,470 |
| Net operating income to assets | 1.1040% | 1,957 |
| Return on assets (ROA) | 1.1249% | 1,938 |
| Pretax return on assets | 1.1249% | 2,988 |
| Return on Equity (ROE) | 9.1496% | 2,514 |
| Retained earnings to average equity (ytd only) | -5.2068% | 6,184 |
| Net charge-offs to loans | -0.8249% | 6,437 |
| Credit loss provision to net charge-offs | 158.1633% | 1,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1513% | 694 |
| Assets per employee ($millions) | 2.2277% | 6,300 |
| Cash dividends to net income (ytd only)* | 156.9072% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 1,030 |
| Loan loss allowance to noncurrent loans | 1,284.6154% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 4,620 |
| Noncurrent loans to loans | 0.1594% | 5,259 |
| Net loans and leases to total assets | 56.6234% | 4,245 |
| Net loans and leases to deposits | 64.5872% | 4,470 |
| Net loans and leases to core deposits | 68.3229% | 4,469 |
| Total domestic deposits to total assets | 87.6698% | 1,944 |
| Equity capital to assets | 11.9923% | 2,020 |
| Core capital (leverage) ratio | 11.4230% | 2,043 |
| Tier 1 risk-based capital ratio | 19.3538% | 1,758 |
| Total risk-based capital ratio | 20.6164% | 1,720 |
| Memoranda: | ||
| Average total assets | $43,114,600 | 5,949 |
| Average earning assets | $40,581,000 | 5,905 |
| Average equity | $5,300,800 | 5,791 |
| Average total loans | $23,760,400 | 5,830 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 1,361 |
| Cost of funding earning assets | 0.1764% | 6,021 |
| Net interest margin | 4.5013% | 734 |
| Noninterest income to average assets | 0.6619% | 2,515 |
| Noninterest expense to average assets | 4.4914% | 461 |
| Loan and lease loss provision to assets | -0.5633% | 6,543 |
| Net operating income to assets | 0.9759% | 2,563 |
| Return on assets (ROA) | 1.0036% | 2,500 |
| Pretax return on assets | 1.0036% | 3,578 |
| Return on Equity (ROE) | 8.1139% | 3,148 |
| Retained earnings to average equity (ytd only) | 8.1139% | 1,305 |
| Net charge-offs to loans | -0.7858% | 6,506 |
| Credit loss provision to net charge-offs | 131.6547% | 1,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5882% | 733 |
| Assets per employee ($millions) | 2.1132% | 6,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3675% | 765 |
| Loan loss allowance to noncurrent loans | 1,001.7544% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 4,396 |
| Noncurrent loans to loans | 0.2363% | 5,192 |
| Net loans and leases to total assets | 55.7154% | 4,368 |
| Net loans and leases to deposits | 63.9742% | 4,539 |
| Net loans and leases to core deposits | 67.2157% | 4,588 |
| Total domestic deposits to total assets | 87.0904% | 2,267 |
| Equity capital to assets | 12.5405% | 1,671 |
| Core capital (leverage) ratio | 12.0923% | 1,642 |
| Tier 1 risk-based capital ratio | 21.1333% | 1,427 |
| Total risk-based capital ratio | 22.4008% | 1,400 |
| Memoranda: | ||
| Average total assets | $43,311,500 | 6,017 |
| Average earning assets | $40,816,750 | 5,968 |
| Average equity | $5,357,000 | 5,834 |
| Average total loans | $23,583,500 | 5,897 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 1,234 |
| Cost of funding earning assets | 0.1894% | 6,006 |
| Net interest margin | 4.5349% | 657 |
| Noninterest income to average assets | 0.5405% | 3,204 |
| Noninterest expense to average assets | 4.2784% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5405% | 4,645 |
| Return on assets (ROA) | 0.5818% | 4,543 |
| Pretax return on assets | 0.5818% | 5,011 |
| Return on Equity (ROE) | 4.7247% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.7247% | 3,134 |
| Net charge-offs to loans | -0.7263% | 6,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7833% | 1,015 |
| Assets per employee ($millions) | 2.0090% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0730% | 352 |
| Loan loss allowance to noncurrent loans | 714.2857% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 4,498 |
| Noncurrent loans to loans | 0.4302% | 4,697 |
| Net loans and leases to total assets | 52.3335% | 4,713 |
| Net loans and leases to deposits | 60.1804% | 4,847 |
| Net loans and leases to core deposits | 62.3824% | 4,941 |
| Total domestic deposits to total assets | 86.9611% | 2,470 |
| Equity capital to assets | 12.7521% | 1,514 |
| Core capital (leverage) ratio | 11.9309% | 1,700 |
| Tier 1 risk-based capital ratio | 22.5695% | 1,178 |
| Total risk-based capital ratio | 23.8450% | 1,157 |
| Memoranda: | ||
| Average total assets | $43,661,000 | 6,067 |
| Average earning assets | $41,191,330 | 6,019 |
| Average equity | $5,376,000 | 5,872 |
| Average total loans | $23,405,330 | 5,951 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,447 |
| Cost of funding earning assets | 0.2196% | 5,853 |
| Net interest margin | 4.4024% | 805 |
| Noninterest income to average assets | 0.5045% | 3,373 |
| Noninterest expense to average assets | 4.1444% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5135% | 4,621 |
| Return on assets (ROA) | 0.5135% | 4,698 |
| Pretax return on assets | 0.5135% | 5,128 |
| Return on Equity (ROE) | 4.2426% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.2426% | 3,586 |
| Net charge-offs to loans | -1.1131% | 6,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9749% | 1,129 |
| Assets per employee ($millions) | 2.2034% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7954% | 545 |
| Loan loss allowance to noncurrent loans | 103.1866% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5181% | 2,329 |
| Noncurrent loans to loans | 2.7090% | 1,246 |
| Net loans and leases to total assets | 53.6592% | 4,468 |
| Net loans and leases to deposits | 61.3927% | 4,614 |
| Net loans and leases to core deposits | 64.1021% | 4,686 |
| Total domestic deposits to total assets | 87.4033% | 2,566 |
| Equity capital to assets | 12.3766% | 1,639 |
| Core capital (leverage) ratio | 12.1603% | 1,568 |
| Tier 1 risk-based capital ratio | 22.2788% | 1,249 |
| Total risk-based capital ratio | 23.5299% | 1,226 |
| Memoranda: | ||
| Average total assets | $44,397,000 | 6,107 |
| Average earning assets | $41,886,000 | 6,060 |
| Average equity | $5,374,000 | 5,906 |
| Average total loans | $23,718,500 | 5,994 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,564 |
| Cost of funding earning assets | 0.3015% | 5,587 |
| Net interest margin | 4.4020% | 909 |
| Noninterest income to average assets | 0.4862% | 3,847 |
| Noninterest expense to average assets | 4.2949% | 635 |
| Loan and lease loss provision to assets | -0.6296% | 6,767 |
| Net operating income to assets | 0.9746% | 2,444 |
| Return on assets (ROA) | 1.0261% | 2,282 |
| Pretax return on assets | 1.0261% | 3,241 |
| Return on Equity (ROE) | 8.8414% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.8414% | 810 |
| Net charge-offs to loans | 1.7560% | 241 |
| Credit loss provision to net charge-offs | -65.9624% | 5,824 |
| Earnings coverage of net charge-offs (x) | 0.3615% | 4,963 |
| Efficiency ratio | 92.5640% | 837 |
| Assets per employee ($millions) | 2.2364% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6611% | 691 |
| Loan loss allowance to noncurrent loans | 106.2176% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 2,834 |
| Noncurrent loans to loans | 2.5053% | 1,507 |
| Net loans and leases to total assets | 50.2962% | 5,052 |
| Net loans and leases to deposits | 57.2650% | 5,187 |
| Net loans and leases to core deposits | 62.4143% | 5,021 |
| Total domestic deposits to total assets | 87.8306% | 2,287 |
| Equity capital to assets | 11.8363% | 1,916 |
| Core capital (leverage) ratio | 11.8712% | 1,699 |
| Tier 1 risk-based capital ratio | 23.2182% | 1,066 |
| Total risk-based capital ratio | 24.4881% | 1,041 |
| Memoranda: | ||
| Average total assets | $44,634,400 | 6,162 |
| Average earning assets | $42,117,200 | 6,105 |
| Average equity | $5,180,200 | 6,027 |
| Average total loans | $24,260,000 | 6,020 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 1,422 |
| Cost of funding earning assets | 0.3171% | 5,581 |
| Net interest margin | 4.4514% | 802 |
| Noninterest income to average assets | 0.4573% | 4,105 |
| Noninterest expense to average assets | 4.3187% | 619 |
| Loan and lease loss provision to assets | -0.8398% | 6,864 |
| Net operating income to assets | 1.1746% | 1,725 |
| Return on assets (ROA) | 1.2433% | 1,575 |
| Pretax return on assets | 1.2433% | 2,535 |
| Return on Equity (ROE) | 10.7662% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.7662% | 624 |
| Net charge-offs to loans | -0.5160% | 6,781 |
| Credit loss provision to net charge-offs | 295.7895% | 864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8067% | 800 |
| Assets per employee ($millions) | 2.2191% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8250% | 131 |
| Loan loss allowance to noncurrent loans | 159.2437% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 1.6471% | 2,498 |
| Noncurrent loans to loans | 3.0299% | 1,320 |
| Net loans and leases to total assets | 50.5351% | 5,073 |
| Net loans and leases to deposits | 57.5667% | 5,229 |
| Net loans and leases to core deposits | 62.8341% | 5,031 |
| Total domestic deposits to total assets | 87.7853% | 2,257 |
| Equity capital to assets | 11.8880% | 1,990 |
| Core capital (leverage) ratio | 11.7546% | 1,849 |
| Tier 1 risk-based capital ratio | 23.3136% | 1,091 |
| Total risk-based capital ratio | 24.6120% | 1,065 |
| Memoranda: | ||
| Average total assets | $44,611,250 | 6,234 |
| Average earning assets | $42,053,000 | 6,180 |
| Average equity | $5,151,750 | 6,102 |
| Average total loans | $24,547,250 | 6,062 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 1,287 |
| Cost of funding earning assets | 0.3369% | 5,505 |
| Net interest margin | 4.4843% | 725 |
| Noninterest income to average assets | 0.3043% | 5,280 |
| Noninterest expense to average assets | 4.2920% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2417% | 5,794 |
| Return on assets (ROA) | 0.2685% | 5,855 |
| Pretax return on assets | 0.2685% | 5,957 |
| Return on Equity (ROE) | 2.3482% | 5,846 |
| Retained earnings to average equity (ytd only) | 2.3482% | 4,796 |
| Net charge-offs to loans | -0.5950% | 6,836 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6693% | 729 |
| Assets per employee ($millions) | 2.2523% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7693% | 73 |
| Loan loss allowance to noncurrent loans | 209.9248% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.8914% | 2,287 |
| Noncurrent loans to loans | 2.7483% | 1,654 |
| Net loans and leases to total assets | 50.6171% | 5,044 |
| Net loans and leases to deposits | 57.1053% | 5,240 |
| Net loans and leases to core deposits | 61.9390% | 5,097 |
| Total domestic deposits to total assets | 88.6383% | 1,818 |
| Equity capital to assets | 11.0820% | 2,674 |
| Core capital (leverage) ratio | 11.0140% | 2,340 |
| Tier 1 risk-based capital ratio | 22.5114% | 1,201 |
| Total risk-based capital ratio | 23.8334% | 1,182 |
| Memoranda: | ||
| Average total assets | $44,688,000 | 6,268 |
| Average earning assets | $42,147,330 | 6,220 |
| Average equity | $5,110,330 | 6,153 |
| Average total loans | $24,874,670 | 6,074 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0602% | 805 |
| Cost of funding earning assets | 0.4105% | 5,004 |
| Net interest margin | 4.6497% | 520 |
| Noninterest income to average assets | 0.5033% | 3,749 |
| Noninterest expense to average assets | 4.3137% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5662% | 4,380 |
| Return on assets (ROA) | 0.6201% | 4,281 |
| Pretax return on assets | 0.6201% | 4,875 |
| Return on Equity (ROE) | 5.3390% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.3390% | 3,032 |
| Net charge-offs to loans | -0.7139% | 6,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3978% | 1,290 |
| Assets per employee ($millions) | 2.2057% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5842% | 97 |
| Loan loss allowance to noncurrent loans | 723.2804% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 3,977 |
| Noncurrent loans to loans | 0.7721% | 4,580 |
| Net loans and leases to total assets | 52.3950% | 4,643 |
| Net loans and leases to deposits | 59.5619% | 4,850 |
| Net loans and leases to core deposits | 65.4240% | 4,599 |
| Total domestic deposits to total assets | 87.9673% | 2,334 |
| Equity capital to assets | 11.7630% | 2,209 |
| Core capital (leverage) ratio | 11.0963% | 2,183 |
| Tier 1 risk-based capital ratio | 22.3557% | 1,268 |
| Total risk-based capital ratio | 23.6664% | 1,237 |
| Memoranda: | ||
| Average total assets | $44,509,000 | 6,330 |
| Average earning assets | $41,895,500 | 6,286 |
| Average equity | $5,169,500 | 6,198 |
| Average total loans | $25,213,500 | 6,110 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4155% | 738 |
| Cost of funding earning assets | 0.5472% | 4,841 |
| Net interest margin | 4.8683% | 479 |
| Noninterest income to average assets | 0.5508% | 3,570 |
| Noninterest expense to average assets | 4.2720% | 703 |
| Loan and lease loss provision to assets | 0.2102% | 3,043 |
| Net operating income to assets | 0.6139% | 4,173 |
| Return on assets (ROA) | 0.6139% | 4,435 |
| Pretax return on assets | 0.6139% | 4,957 |
| Return on Equity (ROE) | 5.9038% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.9038% | 2,139 |
| Net charge-offs to loans | 0.4738% | 2,343 |
| Credit loss provision to net charge-offs | 77.5194% | 3,912 |
| Earnings coverage of net charge-offs (x) | 3.0388% | 3,913 |
| Efficiency ratio | 83.8284% | 1,649 |
| Assets per employee ($millions) | 2.3634% | 6,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0950% | 124 |
| Loan loss allowance to noncurrent loans | 600.9091% | 700 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 3,983 |
| Noncurrent loans to loans | 0.8479% | 4,492 |
| Net loans and leases to total assets | 54.8380% | 4,482 |
| Net loans and leases to deposits | 62.2221% | 4,763 |
| Net loans and leases to core deposits | 69.3564% | 4,389 |
| Total domestic deposits to total assets | 88.1327% | 2,144 |
| Equity capital to assets | 11.4687% | 2,478 |
| Core capital (leverage) ratio | 10.7256% | 2,518 |
| Tier 1 risk-based capital ratio | 20.0590% | 1,662 |
| Total risk-based capital ratio | 21.3725% | 1,618 |
| Memoranda: | ||
| Average total assets | $47,565,400 | 6,277 |
| Average earning assets | $44,409,400 | 6,226 |
| Average equity | $4,946,000 | 6,303 |
| Average total loans | $27,224,800 | 6,070 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4948% | 682 |
| Cost of funding earning assets | 0.5720% | 4,896 |
| Net interest margin | 4.9228% | 452 |
| Noninterest income to average assets | 0.4976% | 3,947 |
| Noninterest expense to average assets | 4.2655% | 677 |
| Loan and lease loss provision to assets | 0.2764% | 2,362 |
| Net operating income to assets | 0.5474% | 4,633 |
| Return on assets (ROA) | 0.5474% | 4,895 |
| Pretax return on assets | 0.5474% | 5,314 |
| Return on Equity (ROE) | 5.3931% | 4,646 |
| Retained earnings to average equity (ytd only) | 5.3931% | 3,103 |
| Net charge-offs to loans | 0.5179% | 2,059 |
| Credit loss provision to net charge-offs | 93.4579% | 3,194 |
| Earnings coverage of net charge-offs (x) | 2.7851% | 3,925 |
| Efficiency ratio | 83.8131% | 1,613 |
| Assets per employee ($millions) | 2.3838% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1729% | 129 |
| Loan loss allowance to noncurrent loans | 545.9350% | 701 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 4,162 |
| Noncurrent loans to loans | 0.9475% | 4,546 |
| Net loans and leases to total assets | 54.3562% | 4,700 |
| Net loans and leases to deposits | 61.5290% | 5,023 |
| Net loans and leases to core deposits | 68.5308% | 4,668 |
| Total domestic deposits to total assets | 88.3423% | 1,818 |
| Equity capital to assets | 11.2934% | 2,946 |
| Core capital (leverage) ratio | 10.1384% | 3,357 |
| Tier 1 risk-based capital ratio | 19.8216% | 1,807 |
| Total risk-based capital ratio | 21.1534% | 1,764 |
| Memoranda: | ||
| Average total assets | $48,230,500 | 6,334 |
| Average earning assets | $44,987,000 | 6,278 |
| Average equity | $4,895,000 | 6,395 |
| Average total loans | $27,544,250 | 6,130 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6145% | 562 |
| Cost of funding earning assets | 0.6122% | 4,789 |
| Net interest margin | 5.0024% | 402 |
| Noninterest income to average assets | 0.4918% | 3,971 |
| Noninterest expense to average assets | 4.3650% | 615 |
| Loan and lease loss provision to assets | 0.4064% | 1,611 |
| Net operating income to assets | 0.3698% | 5,348 |
| Return on assets (ROA) | 0.3698% | 5,568 |
| Pretax return on assets | 0.3698% | 5,781 |
| Return on Equity (ROE) | 3.7746% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.7746% | 4,101 |
| Net charge-offs to loans | 0.6982% | 1,588 |
| Credit loss provision to net charge-offs | 102.0408% | 2,667 |
| Earnings coverage of net charge-offs (x) | 1.9490% | 4,003 |
| Efficiency ratio | 84.9012% | 1,547 |
| Assets per employee ($millions) | 2.0972% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1743% | 137 |
| Loan loss allowance to noncurrent loans | 530.1961% | 693 |
| Noncurrent assets plus other real estate owned to assets | 1.5942% | 3,328 |
| Noncurrent loans to loans | 0.9759% | 4,565 |
| Net loans and leases to total assets | 51.3662% | 5,175 |
| Net loans and leases to deposits | 58.0774% | 5,438 |
| Net loans and leases to core deposits | 64.2307% | 5,190 |
| Total domestic deposits to total assets | 88.4443% | 1,859 |
| Equity capital to assets | 10.1853% | 4,068 |
| Core capital (leverage) ratio | 9.4646% | 4,189 |
| Tier 1 risk-based capital ratio | 19.0089% | 1,963 |
| Total risk-based capital ratio | 20.3033% | 1,935 |
| Memoranda: | ||
| Average total assets | $49,210,000 | 6,344 |
| Average earning assets | $45,738,330 | 6,294 |
| Average equity | $4,821,670 | 6,443 |
| Average total loans | $28,071,670 | 6,148 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 476 |
| Cost of funding earning assets | 0.6572% | 4,665 |
| Net interest margin | 5.0845% | 353 |
| Noninterest income to average assets | 0.4910% | 3,972 |
| Noninterest expense to average assets | 4.3705% | 617 |
| Loan and lease loss provision to assets | 0.8049% | 611 |
| Net operating income to assets | 0.0483% | 6,332 |
| Return on assets (ROA) | 0.0483% | 6,451 |
| Pretax return on assets | 0.0483% | 6,454 |
| Return on Equity (ROE) | 0.5025% | 6,440 |
| Retained earnings to average equity (ytd only) | 0.5025% | 5,840 |
| Net charge-offs to loans | 0.8401% | 1,227 |
| Credit loss provision to net charge-offs | 163.9344% | 1,551 |
| Earnings coverage of net charge-offs (x) | 1.7377% | 3,469 |
| Efficiency ratio | 83.6672% | 1,719 |
| Assets per employee ($millions) | 2.6201% | 6,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9655% | 183 |
| Loan loss allowance to noncurrent loans | 293.0380% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 1.6673% | 3,354 |
| Noncurrent loans to loans | 1.6945% | 3,569 |
| Net loans and leases to total assets | 53.4008% | 4,819 |
| Net loans and leases to deposits | 59.9373% | 5,156 |
| Net loans and leases to core deposits | 67.7645% | 4,707 |
| Total domestic deposits to total assets | 89.0945% | 1,643 |
| Equity capital to assets | 9.5798% | 4,680 |
| Core capital (leverage) ratio | 9.0697% | 4,730 |
| Tier 1 risk-based capital ratio | 16.7701% | 2,774 |
| Total risk-based capital ratio | 18.0885% | 2,701 |
| Memoranda: | ||
| Average total assets | $49,697,000 | 6,376 |
| Average earning assets | $46,258,500 | 6,320 |
| Average equity | $4,776,000 | 6,487 |
| Average total loans | $29,043,000 | 6,163 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7279% | 140 |
| Cost of funding earning assets | 0.8065% | 4,820 |
| Net interest margin | 5.9214% | 98 |
| Noninterest income to average assets | 0.4392% | 4,305 |
| Noninterest expense to average assets | 4.5720% | 547 |
| Loan and lease loss provision to assets | 2.0579% | 276 |
| Net operating income to assets | -0.6588% | 6,583 |
| Return on assets (ROA) | -0.6588% | 6,619 |
| Pretax return on assets | -0.6588% | 6,577 |
| Return on Equity (ROE) | -7.0804% | 6,639 |
| Retained earnings to average equity (ytd only) | -7.0804% | 6,578 |
| Net charge-offs to loans | 4.0365% | 151 |
| Credit loss provision to net charge-offs | 72.7090% | 4,748 |
| Earnings coverage of net charge-offs (x) | 0.4943% | 5,459 |
| Efficiency ratio | 76.5694% | 2,816 |
| Assets per employee ($millions) | 2.3625% | 6,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4831% | 261 |
| Loan loss allowance to noncurrent loans | 302.0134% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 1.7032% | 3,393 |
| Noncurrent loans to loans | 1.4844% | 3,922 |
| Net loans and leases to total assets | 57.9759% | 4,372 |
| Net loans and leases to deposits | 65.9309% | 4,743 |
| Net loans and leases to core deposits | 76.3066% | 3,940 |
| Total domestic deposits to total assets | 87.9344% | 2,205 |
| Equity capital to assets | 9.6408% | 4,685 |
| Core capital (leverage) ratio | 8.9765% | 4,828 |
| Tier 1 risk-based capital ratio | 16.0685% | 3,010 |
| Total risk-based capital ratio | 17.3936% | 2,941 |
| Memoranda: | ||
| Average total assets | $52,822,000 | 6,270 |
| Average earning assets | $49,346,600 | 6,221 |
| Average equity | $4,915,000 | 6,471 |
| Average total loans | $37,036,800 | 5,832 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8791% | 118 |
| Cost of funding earning assets | 0.8370% | 4,881 |
| Net interest margin | 6.0421% | 88 |
| Noninterest income to average assets | 0.5122% | 3,780 |
| Noninterest expense to average assets | 4.5600% | 547 |
| Loan and lease loss provision to assets | 2.1532% | 235 |
| Net operating income to assets | -0.5470% | 6,661 |
| Return on assets (ROA) | -0.5470% | 6,706 |
| Pretax return on assets | -0.5470% | 6,648 |
| Return on Equity (ROE) | -5.9283% | 6,712 |
| Retained earnings to average equity (ytd only) | -5.9283% | 6,639 |
| Net charge-offs to loans | 4.7564% | 107 |
| Credit loss provision to net charge-offs | 62.6175% | 4,719 |
| Earnings coverage of net charge-offs (x) | 0.4671% | 5,274 |
| Efficiency ratio | 73.9516% | 3,190 |
| Assets per employee ($millions) | 2.3431% | 7,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7301% | 483 |
| Loan loss allowance to noncurrent loans | 292.2353% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8468% | 3,338 |
| Noncurrent loans to loans | 1.2764% | 4,400 |
| Net loans and leases to total assets | 62.1848% | 3,677 |
| Net loans and leases to deposits | 70.4908% | 4,221 |
| Net loans and leases to core deposits | 81.3166% | 3,436 |
| Total domestic deposits to total assets | 88.2168% | 1,913 |
| Equity capital to assets | 9.4630% | 5,143 |
| Core capital (leverage) ratio | 8.7310% | 5,364 |
| Tier 1 risk-based capital ratio | 15.3659% | 3,450 |
| Total risk-based capital ratio | 16.6809% | 3,397 |
| Memoranda: | ||
| Average total assets | $53,624,500 | 6,290 |
| Average earning assets | $50,180,000 | 6,236 |
| Average equity | $4,948,000 | 6,514 |
| Average total loans | $38,767,750 | 5,802 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0001% | 105 |
| Cost of funding earning assets | 0.8721% | 4,886 |
| Net interest margin | 6.1280% | 87 |
| Noninterest income to average assets | 0.5339% | 3,606 |
| Noninterest expense to average assets | 4.5621% | 556 |
| Loan and lease loss provision to assets | 1.8226% | 361 |
| Net operating income to assets | -0.1068% | 6,357 |
| Return on assets (ROA) | -0.1068% | 6,411 |
| Pretax return on assets | -0.1068% | 6,371 |
| Return on Equity (ROE) | -1.1667% | 6,421 |
| Retained earnings to average equity (ytd only) | -1.1667% | 6,083 |
| Net charge-offs to loans | 4.1093% | 195 |
| Credit loss provision to net charge-offs | 59.3525% | 4,356 |
| Earnings coverage of net charge-offs (x) | 0.5588% | 4,885 |
| Efficiency ratio | 72.6686% | 3,606 |
| Assets per employee ($millions) | 2.1871% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7991% | 469 |
| Loan loss allowance to noncurrent loans | 169.6535% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 2.7452% | 2,436 |
| Noncurrent loans to loans | 2.2393% | 3,175 |
| Net loans and leases to total assets | 65.7614% | 3,078 |
| Net loans and leases to deposits | 74.1229% | 3,792 |
| Net loans and leases to core deposits | 86.2009% | 2,876 |
| Total domestic deposits to total assets | 88.7194% | 1,706 |
| Equity capital to assets | 9.0695% | 5,485 |
| Core capital (leverage) ratio | 8.8369% | 4,989 |
| Tier 1 risk-based capital ratio | 14.1619% | 4,050 |
| Total risk-based capital ratio | 15.4748% | 3,970 |
| Memoranda: | ||
| Average total assets | $54,316,670 | 6,319 |
| Average earning assets | $50,913,670 | 6,261 |
| Average equity | $4,971,330 | 6,544 |
| Average total loans | $40,591,330 | 5,774 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2618% | 90 |
| Cost of funding earning assets | 0.9698% | 4,423 |
| Net interest margin | 6.2920% | 78 |
| Noninterest income to average assets | 0.5615% | 3,424 |
| Noninterest expense to average assets | 4.5589% | 565 |
| Loan and lease loss provision to assets | 1.8324% | 310 |
| Net operating income to assets | 0.0665% | 6,192 |
| Return on assets (ROA) | 0.0665% | 6,237 |
| Pretax return on assets | 0.0665% | 6,245 |
| Return on Equity (ROE) | 0.7233% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.7233% | 5,534 |
| Net charge-offs to loans | 2.2750% | 527 |
| Credit loss provision to net charge-offs | 103.3333% | 2,569 |
| Earnings coverage of net charge-offs (x) | 1.0708% | 3,863 |
| Efficiency ratio | 70.5950% | 4,140 |
| Assets per employee ($millions) | 2.2580% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4270% | 301 |
| Loan loss allowance to noncurrent loans | 126.5759% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 3.1351% | 2,202 |
| Noncurrent loans to loans | 3.4975% | 2,129 |
| Net loans and leases to total assets | 70.3923% | 2,055 |
| Net loans and leases to deposits | 79.4580% | 2,816 |
| Net loans and leases to core deposits | 92.8987% | 2,020 |
| Total domestic deposits to total assets | 88.5906% | 2,022 |
| Equity capital to assets | 9.2062% | 4,863 |
| Core capital (leverage) ratio | 8.8947% | 4,783 |
| Tier 1 risk-based capital ratio | 13.1139% | 4,740 |
| Total risk-based capital ratio | 14.4220% | 4,662 |
| Memoranda: | ||
| Average total assets | $54,136,000 | 6,369 |
| Average earning assets | $50,731,000 | 6,318 |
| Average equity | $4,977,500 | 6,575 |
| Average total loans | $42,198,500 | 5,742 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4467% | 54 |
| Cost of funding earning assets | 1.1945% | 4,592 |
| Net interest margin | 7.2522% | 46 |
| Noninterest income to average assets | 0.7293% | 2,650 |
| Noninterest expense to average assets | 4.0067% | 1,150 |
| Loan and lease loss provision to assets | 4.2411% | 139 |
| Net operating income to assets | -0.6908% | 6,509 |
| Return on assets (ROA) | -0.6139% | 6,489 |
| Pretax return on assets | -0.6139% | 6,407 |
| Return on Equity (ROE) | -6.4432% | 6,523 |
| Retained earnings to average equity (ytd only) | -16.6862% | 6,938 |
| Net charge-offs to loans | 3.0834% | 523 |
| Credit loss provision to net charge-offs | 159.7497% | 2,190 |
| Earnings coverage of net charge-offs (x) | 1.3373% | 4,766 |
| Efficiency ratio | 53.0201% | 6,893 |
| Assets per employee ($millions) | 2.1632% | 7,325 |
| Cash dividends to net income (ytd only)* | -158.9744% | 7,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9543% | 423 |
| Loan loss allowance to noncurrent loans | 101.2666% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 3.7722% | 1,818 |
| Noncurrent loans to loans | 3.9049% | 1,875 |
| Net loans and leases to total assets | 79.0015% | 798 |
| Net loans and leases to deposits | 90.3199% | 1,480 |
| Net loans and leases to core deposits | 106.2390% | 1,179 |
| Total domestic deposits to total assets | 87.4686% | 2,570 |
| Equity capital to assets | 9.1827% | 4,865 |
| Core capital (leverage) ratio | 8.6827% | 5,051 |
| Tier 1 risk-based capital ratio | 11.9166% | 5,553 |
| Total risk-based capital ratio | 13.2054% | 5,494 |
| Memoranda: | ||
| Average total assets | $57,178,600 | 6,303 |
| Average earning assets | $53,831,600 | 6,219 |
| Average equity | $5,447,600 | 6,523 |
| Average total loans | $49,231,000 | 5,517 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5542% | 50 |
| Cost of funding earning assets | 1.2133% | 4,779 |
| Net interest margin | 7.3409% | 45 |
| Noninterest income to average assets | 0.5683% | 3,666 |
| Noninterest expense to average assets | 4.2861% | 753 |
| Loan and lease loss provision to assets | 3.4855% | 211 |
| Net operating income to assets | -0.2853% | 6,417 |
| Return on assets (ROA) | -0.2853% | 6,466 |
| Pretax return on assets | -0.2853% | 6,400 |
| Return on Equity (ROE) | -2.9693% | 6,486 |
| Retained earnings to average equity (ytd only) | -16.3310% | 7,115 |
| Net charge-offs to loans | 1.1239% | 1,811 |
| Credit loss provision to net charge-offs | 356.4706% | 877 |
| Earnings coverage of net charge-offs (x) | 3.2730% | 3,511 |
| Efficiency ratio | 57.2526% | 6,383 |
| Assets per employee ($millions) | 2.2705% | 7,331 |
| Cash dividends to net income (ytd only)* | -449.9970% | 7,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9496% | 383 |
| Loan loss allowance to noncurrent loans | 226.3403% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 2.0348% | 3,422 |
| Noncurrent loans to loans | 1.7450% | 4,023 |
| Net loans and leases to total assets | 83.2021% | 392 |
| Net loans and leases to deposits | 96.6717% | 911 |
| Net loans and leases to core deposits | 113.9177% | 837 |
| Total domestic deposits to total assets | 86.0666% | 3,040 |
| Equity capital to assets | 9.2596% | 5,210 |
| Core capital (leverage) ratio | 8.8327% | 4,950 |
| Tier 1 risk-based capital ratio | 10.7758% | 6,566 |
| Total risk-based capital ratio | 12.0601% | 6,521 |
| Memoranda: | ||
| Average total assets | $57,953,250 | 6,351 |
| Average earning assets | $54,615,000 | 6,258 |
| Average equity | $5,568,000 | 6,578 |
| Average total loans | $50,418,000 | 5,552 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5515% | 56 |
| Cost of funding earning assets | 1.2331% | 4,941 |
| Net interest margin | 7.3184% | 49 |
| Noninterest income to average assets | 0.5518% | 3,695 |
| Noninterest expense to average assets | 4.1371% | 876 |
| Loan and lease loss provision to assets | 4.6787% | 136 |
| Net operating income to assets | -1.3676% | 7,111 |
| Return on assets (ROA) | -1.3676% | 7,119 |
| Pretax return on assets | -1.3676% | 7,037 |
| Return on Equity (ROE) | -14.0691% | 7,112 |
| Retained earnings to average equity (ytd only) | -28.0324% | 7,393 |
| Net charge-offs to loans | 1.1252% | 1,681 |
| Credit loss provision to net charge-offs | 477.2727% | 778 |
| Earnings coverage of net charge-offs (x) | 3.3776% | 3,351 |
| Efficiency ratio | 55.5453% | 6,695 |
| Assets per employee ($millions) | 2.3045% | 7,344 |
| Cash dividends to net income (ytd only)* | -99.2481% | 7,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8819% | 405 |
| Loan loss allowance to noncurrent loans | 1,582.7869% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 5,676 |
| Noncurrent loans to loans | 0.2453% | 6,743 |
| Net loans and leases to total assets | 82.9900% | 440 |
| Net loans and leases to deposits | 94.0368% | 1,269 |
| Net loans and leases to core deposits | 108.9730% | 1,235 |
| Total domestic deposits to total assets | 88.2527% | 1,847 |
| Equity capital to assets | 8.8418% | 5,682 |
| Core capital (leverage) ratio | 8.3923% | 5,594 |
| Tier 1 risk-based capital ratio | 10.4503% | 6,723 |
| Total risk-based capital ratio | 11.7385% | 6,680 |
| Memoranda: | ||
| Average total assets | $58,350,000 | 6,377 |
| Average earning assets | $54,984,330 | 6,284 |
| Average equity | $5,672,000 | 6,569 |
| Average total loans | $50,834,000 | 5,573 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6359% | 59 |
| Cost of funding earning assets | 1.2513% | 5,106 |
| Net interest margin | 7.3846% | 53 |
| Noninterest income to average assets | 0.5177% | 3,916 |
| Noninterest expense to average assets | 4.0192% | 1,004 |
| Loan and lease loss provision to assets | 1.1240% | 1,088 |
| Net operating income to assets | 2.3298% | 198 |
| Return on assets (ROA) | 2.3298% | 223 |
| Pretax return on assets | 2.3298% | 333 |
| Return on Equity (ROE) | 22.9492% | 233 |
| Retained earnings to average equity (ytd only) | 11.6088% | 811 |
| Net charge-offs to loans | 0.5839% | 2,347 |
| Credit loss provision to net charge-offs | 220.0000% | 1,710 |
| Earnings coverage of net charge-offs (x) | 6.7600% | 2,167 |
| Efficiency ratio | 53.7830% | 6,994 |
| Assets per employee ($millions) | 2.6808% | 6,896 |
| Cash dividends to net income (ytd only)* | 49.4152% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8507% | 2,577 |
| Loan loss allowance to noncurrent loans | 352.8090% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 5,730 |
| Noncurrent loans to loans | 0.5246% | 6,240 |
| Net loans and leases to total assets | 84.7076% | 315 |
| Net loans and leases to deposits | 97.1964% | 979 |
| Net loans and leases to core deposits | 118.0231% | 866 |
| Total domestic deposits to total assets | 87.1509% | 2,548 |
| Equity capital to assets | 10.2616% | 3,520 |
| Core capital (leverage) ratio | 10.0990% | 3,042 |
| Tier 1 risk-based capital ratio | 12.1127% | 5,075 |
| Total risk-based capital ratio | 13.3715% | 5,033 |
| Memoranda: | ||
| Average total assets | $58,718,500 | 6,441 |
| Average earning assets | $55,304,000 | 6,349 |
| Average equity | $5,961,000 | 6,533 |
| Average total loans | $51,379,000 | 5,612 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8734% | 49 |
| Cost of funding earning assets | 1.6563% | 4,755 |
| Net interest margin | 7.2171% | 48 |
| Noninterest income to average assets | 0.6301% | 3,420 |
| Noninterest expense to average assets | 4.2358% | 1,050 |
| Loan and lease loss provision to assets | 1.2908% | 1,794 |
| Net operating income to assets | 1.9192% | 279 |
| Return on assets (ROA) | 1.9277% | 277 |
| Pretax return on assets | 1.9277% | 477 |
| Return on Equity (ROE) | 19.7522% | 256 |
| Retained earnings to average equity (ytd only) | 3.6720% | 2,620 |
| Net charge-offs to loans | 1.5125% | 1,658 |
| Credit loss provision to net charge-offs | 96.3245% | 5,761 |
| Earnings coverage of net charge-offs (x) | 2.3954% | 3,935 |
| Efficiency ratio | 56.8887% | 6,903 |
| Assets per employee ($millions) | 2.3384% | 7,427 |
| Cash dividends to net income (ytd only)* | 81.4097% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 3,111 |
| Loan loss allowance to noncurrent loans | 200.4706% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 5,657 |
| Noncurrent loans to loans | 0.8195% | 5,649 |
| Net loans and leases to total assets | 87.2494% | 211 |
| Net loans and leases to deposits | 101.0240% | 824 |
| Net loans and leases to core deposits | 170.3437% | 234 |
| Total domestic deposits to total assets | 86.3650% | 2,830 |
| Equity capital to assets | 10.0411% | 3,703 |
| Core capital (leverage) ratio | 9.8782% | 3,228 |
| Tier 1 risk-based capital ratio | 11.5741% | 5,323 |
| Total risk-based capital ratio | 12.8313% | 5,270 |
| Memoranda: | ||
| Average total assets | $58,879,600 | 6,389 |
| Average earning assets | $55,604,200 | 6,312 |
| Average equity | $5,746,200 | 6,698 |
| Average total loans | $52,164,800 | 5,581 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9585% | 50 |
| Cost of funding earning assets | 1.7444% | 4,671 |
| Net interest margin | 7.2140% | 46 |
| Noninterest income to average assets | 0.5516% | 4,062 |
| Noninterest expense to average assets | 4.1004% | 1,147 |
| Loan and lease loss provision to assets | 1.1189% | 1,745 |
| Net operating income to assets | 2.1655% | 197 |
| Return on assets (ROA) | 2.1768% | 213 |
| Pretax return on assets | 2.1768% | 372 |
| Return on Equity (ROE) | 22.4657% | 188 |
| Retained earnings to average equity (ytd only) | 5.1790% | 2,384 |
| Net charge-offs to loans | 0.7784% | 2,414 |
| Credit loss provision to net charge-offs | 162.2951% | 2,908 |
| Earnings coverage of net charge-offs (x) | 4.7639% | 3,017 |
| Efficiency ratio | 55.5249% | 7,061 |
| Assets per employee ($millions) | 2.0228% | 7,786 |
| Cash dividends to net income (ytd only)* | 76.9473% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0255% | 1,736 |
| Loan loss allowance to noncurrent loans | 413.5135% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 6,350 |
| Noncurrent loans to loans | 0.4898% | 6,336 |
| Net loans and leases to total assets | 88.3140% | 187 |
| Net loans and leases to deposits | 105.0130% | 708 |
| Net loans and leases to core deposits | 175.7114% | 217 |
| Total domestic deposits to total assets | 84.0982% | 3,680 |
| Equity capital to assets | 10.0358% | 4,047 |
| Core capital (leverage) ratio | 9.8485% | 3,456 |
| Tier 1 risk-based capital ratio | 11.4837% | 5,444 |
| Total risk-based capital ratio | 12.7441% | 5,385 |
| Memoranda: | ||
| Average total assets | $58,984,500 | 6,425 |
| Average earning assets | $55,871,250 | 6,339 |
| Average equity | $5,715,250 | 6,774 |
| Average total loans | $52,241,500 | 5,629 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7770% | 55 |
| Cost of funding earning assets | 1.8512% | 4,505 |
| Net interest margin | 6.9258% | 55 |
| Noninterest income to average assets | 0.5280% | 4,206 |
| Noninterest expense to average assets | 4.0343% | 1,269 |
| Loan and lease loss provision to assets | 1.1169% | 1,537 |
| Net operating income to assets | 1.9359% | 345 |
| Return on assets (ROA) | 1.9529% | 364 |
| Pretax return on assets | 1.9529% | 627 |
| Return on Equity (ROE) | 20.3959% | 308 |
| Retained earnings to average equity (ytd only) | 3.8530% | 3,145 |
| Net charge-offs to loans | 0.5574% | 2,659 |
| Credit loss provision to net charge-offs | 227.5862% | 2,018 |
| Earnings coverage of net charge-offs (x) | 6.2207% | 2,666 |
| Efficiency ratio | 56.9245% | 7,001 |
| Assets per employee ($millions) | 2.4754% | 7,297 |
| Cash dividends to net income (ytd only)* | 81.1092% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0514% | 1,476 |
| Loan loss allowance to noncurrent loans | 112.2105% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5991% | 3,822 |
| Noncurrent loans to loans | 1.8282% | 3,769 |
| Net loans and leases to total assets | 85.6739% | 413 |
| Net loans and leases to deposits | 99.6359% | 1,324 |
| Net loans and leases to core deposits | 164.6811% | 383 |
| Total domestic deposits to total assets | 85.9870% | 2,802 |
| Equity capital to assets | 9.6113% | 4,477 |
| Core capital (leverage) ratio | 9.4691% | 3,934 |
| Tier 1 risk-based capital ratio | 11.3630% | 5,542 |
| Total risk-based capital ratio | 12.6111% | 5,446 |
| Memoranda: | ||
| Average total assets | $59,092,670 | 6,477 |
| Average earning assets | $55,964,330 | 6,387 |
| Average equity | $5,658,000 | 6,848 |
| Average total loans | $52,030,000 | 5,675 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8627% | 55 |
| Cost of funding earning assets | 1.9878% | 4,194 |
| Net interest margin | 6.8748% | 59 |
| Noninterest income to average assets | 0.6516% | 3,188 |
| Noninterest expense to average assets | 3.9162% | 1,285 |
| Loan and lease loss provision to assets | 1.1199% | 1,165 |
| Net operating income to assets | 2.1176% | 272 |
| Return on assets (ROA) | 2.1176% | 319 |
| Pretax return on assets | 2.1176% | 522 |
| Return on Equity (ROE) | 22.1591% | 301 |
| Retained earnings to average equity (ytd only) | 0.8523% | 5,319 |
| Net charge-offs to loans | 0.2612% | 3,097 |
| Credit loss provision to net charge-offs | 485.2941% | 1,111 |
| Earnings coverage of net charge-offs (x) | 14.0294% | 1,697 |
| Efficiency ratio | 54.7438% | 7,142 |
| Assets per employee ($millions) | 2.5139% | 7,250 |
| Cash dividends to net income (ytd only)* | 96.1538% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9455% | 1,532 |
| Loan loss allowance to noncurrent loans | 202.6000% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 4,325 |
| Noncurrent loans to loans | 0.9603% | 5,074 |
| Net loans and leases to total assets | 84.6220% | 605 |
| Net loans and leases to deposits | 98.1223% | 1,645 |
| Net loans and leases to core deposits | 157.3150% | 539 |
| Total domestic deposits to total assets | 86.2414% | 2,591 |
| Equity capital to assets | 9.3597% | 4,856 |
| Core capital (leverage) ratio | 9.4041% | 4,099 |
| Tier 1 risk-based capital ratio | 11.0663% | 5,842 |
| Total risk-based capital ratio | 12.3246% | 5,737 |
| Memoranda: | ||
| Average total assets | $58,934,500 | 6,510 |
| Average earning assets | $55,739,500 | 6,427 |
| Average equity | $5,632,000 | 6,904 |
| Average total loans | $52,063,000 | 5,714 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5469% | 52 |
| Cost of funding earning assets | 2.7731% | 2,815 |
| Net interest margin | 6.7738% | 63 |
| Noninterest income to average assets | 0.9661% | 1,708 |
| Noninterest expense to average assets | 3.8680% | 1,623 |
| Loan and lease loss provision to assets | 1.8169% | 696 |
| Net operating income to assets | 1.7049% | 669 |
| Return on assets (ROA) | 1.7067% | 638 |
| Pretax return on assets | 1.7067% | 1,128 |
| Return on Equity (ROE) | 17.2456% | 607 |
| Retained earnings to average equity (ytd only) | 1.3748% | 4,393 |
| Net charge-offs to loans | 1.6593% | 673 |
| Credit loss provision to net charge-offs | 121.9653% | 4,406 |
| Earnings coverage of net charge-offs (x) | 2.3642% | 4,897 |
| Efficiency ratio | 52.3421% | 7,453 |
| Assets per employee ($millions) | 2.3014% | 7,562 |
| Cash dividends to net income (ytd only)* | 92.0283% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 1,935 |
| Loan loss allowance to noncurrent loans | 165.9134% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.2844% | 3,658 |
| Noncurrent loans to loans | 1.0200% | 4,542 |
| Net loans and leases to total assets | 88.9478% | 288 |
| Net loans and leases to deposits | 103.5092% | 1,396 |
| Net loans and leases to core deposits | 167.0649% | 459 |
| Total domestic deposits to total assets | 85.9323% | 2,430 |
| Equity capital to assets | 9.7626% | 4,342 |
| Core capital (leverage) ratio | 9.3632% | 4,216 |
| Tier 1 risk-based capital ratio | 11.0303% | 5,698 |
| Total risk-based capital ratio | 12.2873% | 5,587 |
| Memoranda: | ||
| Average total assets | $58,066,600 | 6,450 |
| Average earning assets | $55,065,200 | 6,367 |
| Average equity | $5,746,400 | 6,901 |
| Average total loans | $52,131,000 | 5,615 |