Home > First State Bank of Brownsboro > Performance and Condition Ratios
First State Bank of Brownsboro, 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 | 5.0633% | 3,000 |
| Cost of funding earning assets | 1.5796% | 3,014 |
| Net interest margin | 3.4837% | 2,351 |
| Noninterest income to average assets | 0.5400% | 1,566 |
| Noninterest expense to average assets | 2.7512% | 1,626 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 1.0669% | 2,093 |
| Return on assets (ROA) | 1.0226% | 2,210 |
| Pretax return on assets | 1.0226% | 2,689 |
| Return on Equity (ROE) | 24.7400% | 200 |
| Retained earnings to average equity (ytd only) | 15.1681% | 402 |
| Net charge-offs to loans | 0.0065% | 2,005 |
| Credit loss provision to net charge-offs | 700.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 344.0000% | 275 |
| Efficiency ratio | 71.6406% | 1,653 |
| Assets per employee ($millions) | 5.7802% | 3,108 |
| Cash dividends to net income (ytd only)* | 38.6997% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 2,815 |
| Loan loss allowance to noncurrent loans | 478.7234% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 2,956 |
| Noncurrent loans to loans | 0.2257% | 2,692 |
| Net loans and leases to total assets | 48.5900% | 3,637 |
| Net loans and leases to deposits | 51.5638% | 3,821 |
| Net loans and leases to core deposits | 59.3551% | 3,717 |
| Total domestic deposits to total assets | 94.2400% | 65 |
| Equity capital to assets | 4.3723% | 4,412 |
| Core capital (leverage) ratio | 10.8065% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $126,344,000 | 3,571 |
| Average earning assets | $119,526,500 | 3,539 |
| Average equity | $5,221,500 | 4,220 |
| Average total loans | $61,480,500 | 3,683 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 3,552 |
| Cost of funding earning assets | 1.5138% | 3,335 |
| Net interest margin | 3.2121% | 2,697 |
| Noninterest income to average assets | 0.6300% | 1,401 |
| Noninterest expense to average assets | 3.0675% | 1,043 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.6036% | 3,222 |
| Return on assets (ROA) | 0.6036% | 3,246 |
| Pretax return on assets | 0.6036% | 3,449 |
| Return on Equity (ROE) | 14.4900% | 1,029 |
| Retained earnings to average equity (ytd only) | 6.9026% | 1,465 |
| Net charge-offs to loans | 0.0707% | 1,425 |
| Credit loss provision to net charge-offs | 68.1818% | 2,222 |
| Earnings coverage of net charge-offs (x) | 18.0455% | 1,907 |
| Efficiency ratio | 83.0233% | 854 |
| Assets per employee ($millions) | 5.7056% | 3,121 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 2,662 |
| Loan loss allowance to noncurrent loans | 431.6129% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 2,849 |
| Noncurrent loans to loans | 0.2562% | 2,502 |
| Net loans and leases to total assets | 47.6600% | 3,743 |
| Net loans and leases to deposits | 49.6325% | 3,925 |
| Net loans and leases to core deposits | 56.7001% | 3,864 |
| Total domestic deposits to total assets | 96.0300% | 30 |
| Equity capital to assets | 3.8901% | 4,428 |
| Core capital (leverage) ratio | 10.8665% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $126,583,800 | 3,566 |
| Average earning assets | $120,887,800 | 3,515 |
| Average equity | $5,273,400 | 4,222 |
| Average total loans | $62,276,800 | 3,663 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 3,609 |
| Cost of funding earning assets | 1.5056% | 3,350 |
| Net interest margin | 3.1650% | 2,759 |
| Noninterest income to average assets | 0.6400% | 1,336 |
| Noninterest expense to average assets | 2.8527% | 1,367 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.7883% | 2,728 |
| Return on assets (ROA) | 0.7883% | 2,742 |
| Pretax return on assets | 0.7883% | 3,077 |
| Return on Equity (ROE) | 18.6200% | 521 |
| Retained earnings to average equity (ytd only) | 9.9296% | 875 |
| Net charge-offs to loans | 0.0616% | 1,286 |
| Credit loss provision to net charge-offs | 79.3103% | 1,852 |
| Earnings coverage of net charge-offs (x) | 26.6552% | 1,601 |
| Efficiency ratio | 77.8319% | 1,238 |
| Assets per employee ($millions) | 5.3724% | 3,386 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 2,581 |
| Loan loss allowance to noncurrent loans | 428.4810% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 2,846 |
| Noncurrent loans to loans | 0.2641% | 2,498 |
| Net loans and leases to total assets | 47.8600% | 3,735 |
| Net loans and leases to deposits | 50.6773% | 3,932 |
| Net loans and leases to core deposits | 57.5135% | 3,861 |
| Total domestic deposits to total assets | 94.4500% | 26 |
| Equity capital to assets | 5.4020% | 4,418 |
| Core capital (leverage) ratio | 11.0334% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $126,849,000 | 3,566 |
| Average earning assets | $121,407,750 | 3,519 |
| Average equity | $5,371,000 | 4,237 |
| Average total loans | $62,722,250 | 3,673 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 3,554 |
| Cost of funding earning assets | 1.4964% | 3,297 |
| Net interest margin | 3.1548% | 2,734 |
| Noninterest income to average assets | 0.6000% | 1,448 |
| Noninterest expense to average assets | 2.7809% | 1,509 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.8113% | 2,594 |
| Return on assets (ROA) | 0.8113% | 2,611 |
| Pretax return on assets | 0.8113% | 2,970 |
| Return on Equity (ROE) | 21.0300% | 396 |
| Retained earnings to average equity (ytd only) | 10.8988% | 710 |
| Net charge-offs to loans | 0.0879% | 934 |
| Credit loss provision to net charge-offs | 53.5714% | 1,797 |
| Earnings coverage of net charge-offs (x) | 19.0714% | 1,655 |
| Efficiency ratio | 76.9131% | 1,378 |
| Assets per employee ($millions) | 5.4473% | 3,272 |
| Cash dividends to net income (ytd only)* | 48.1696% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 2,823 |
| Loan loss allowance to noncurrent loans | 216.8285% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 2,194 |
| Noncurrent loans to loans | 0.5051% | 1,743 |
| Net loans and leases to total assets | 48.3000% | 3,736 |
| Net loans and leases to deposits | 50.2270% | 3,952 |
| Net loans and leases to core deposits | 56.9418% | 3,869 |
| Total domestic deposits to total assets | 96.1600% | 18 |
| Equity capital to assets | 3.7083% | 4,483 |
| Core capital (leverage) ratio | 10.6153% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $127,943,667 | 3,569 |
| Average earning assets | $122,162,000 | 3,524 |
| Average equity | $4,936,333 | 4,278 |
| Average total loans | $63,689,333 | 3,669 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 3,575 |
| Cost of funding earning assets | 1.4672% | 3,273 |
| Net interest margin | 3.1027% | 2,785 |
| Noninterest income to average assets | 0.6100% | 1,335 |
| Noninterest expense to average assets | 2.8282% | 1,388 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.7272% | 2,756 |
| Return on assets (ROA) | 0.7272% | 2,772 |
| Pretax return on assets | 0.7272% | 3,089 |
| Return on Equity (ROE) | 18.5000% | 560 |
| Retained earnings to average equity (ytd only) | 10.6268% | 970 |
| Net charge-offs to loans | 0.0246% | 1,355 |
| Credit loss provision to net charge-offs | 175.0000% | 871 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 883 |
| Efficiency ratio | 79.0657% | 1,272 |
| Assets per employee ($millions) | 5.5374% | 3,228 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 2,966 |
| Loan loss allowance to noncurrent loans | 197.9827% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 2,011 |
| Noncurrent loans to loans | 0.5390% | 1,574 |
| Net loans and leases to total assets | 50.0100% | 3,609 |
| Net loans and leases to deposits | 52.1549% | 3,843 |
| Net loans and leases to core deposits | 58.5261% | 3,823 |
| Total domestic deposits to total assets | 95.8800% | 53 |
| Equity capital to assets | 3.9007% | 4,478 |
| Core capital (leverage) ratio | 10.3161% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $129,271,500 | 3,561 |
| Average earning assets | $123,504,500 | 3,526 |
| Average equity | $5,081,500 | 4,289 |
| Average total loans | $64,943,000 | 3,664 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 3,407 |
| Cost of funding earning assets | 1.0866% | 3,100 |
| Net interest margin | 3.2350% | 2,783 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.9148% | 1,247 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8051% | 2,858 |
| Return on assets (ROA) | 0.8051% | 2,835 |
| Pretax return on assets | 0.8051% | 3,202 |
| Return on Equity (ROE) | 31.4900% | 162 |
| Retained earnings to average equity (ytd only) | 19.7794% | 137 |
| Net charge-offs to loans | -0.0032% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.8813% | 1,079 |
| Assets per employee ($millions) | 5.9628% | 2,854 |
| Cash dividends to net income (ytd only)* | 37.1940% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,100 |
| Loan loss allowance to noncurrent loans | 620.9091% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 2,982 |
| Noncurrent loans to loans | 0.1679% | 2,680 |
| Net loans and leases to total assets | 49.4200% | 3,630 |
| Net loans and leases to deposits | 53.0604% | 3,831 |
| Net loans and leases to core deposits | 59.4452% | 3,782 |
| Total domestic deposits to total assets | 93.1300% | 159 |
| Equity capital to assets | 3.9601% | 4,499 |
| Core capital (leverage) ratio | 10.3781% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $131,912,200 | 3,534 |
| Average earning assets | $125,810,000 | 3,481 |
| Average equity | $3,372,200 | 4,400 |
| Average total loans | $62,422,600 | 3,672 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 3,331 |
| Cost of funding earning assets | 0.9892% | 3,069 |
| Net interest margin | 3.2872% | 2,716 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.7091% | 1,631 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0739% | 2,134 |
| Return on assets (ROA) | 1.0739% | 2,123 |
| Pretax return on assets | 1.0739% | 2,644 |
| Return on Equity (ROE) | 48.6400% | 73 |
| Retained earnings to average equity (ytd only) | 31.7267% | 77 |
| Net charge-offs to loans | -0.0281% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.1748% | 1,659 |
| Assets per employee ($millions) | 5.7589% | 2,961 |
| Cash dividends to net income (ytd only)* | 34.7744% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 2,938 |
| Loan loss allowance to noncurrent loans | 437.5796% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,734 |
| Noncurrent loans to loans | 0.2480% | 2,351 |
| Net loans and leases to total assets | 49.4200% | 3,657 |
| Net loans and leases to deposits | 51.5826% | 3,885 |
| Net loans and leases to core deposits | 57.8486% | 3,783 |
| Total domestic deposits to total assets | 95.8100% | 87 |
| Equity capital to assets | 1.6267% | 4,556 |
| Core capital (leverage) ratio | 10.2719% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $132,094,750 | 3,536 |
| Average earning assets | $126,022,500 | 3,493 |
| Average equity | $2,916,500 | 4,452 |
| Average total loans | $61,651,250 | 3,693 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 3,310 |
| Cost of funding earning assets | 0.8472% | 3,080 |
| Net interest margin | 3.3451% | 2,657 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.7410% | 1,548 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0381% | 2,289 |
| Return on assets (ROA) | 1.0381% | 2,286 |
| Pretax return on assets | 1.0381% | 2,806 |
| Return on Equity (ROE) | 43.4100% | 88 |
| Retained earnings to average equity (ytd only) | 26.5487% | 99 |
| Net charge-offs to loans | -0.0164% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.1022% | 1,546 |
| Assets per employee ($millions) | 5.9184% | 2,782 |
| Cash dividends to net income (ytd only)* | 38.8489% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,043 |
| Loan loss allowance to noncurrent loans | 401.7964% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 2,654 |
| Noncurrent loans to loans | 0.2685% | 2,193 |
| Net loans and leases to total assets | 47.2500% | 3,729 |
| Net loans and leases to deposits | 48.7504% | 3,961 |
| Net loans and leases to core deposits | 53.2313% | 3,916 |
| Total domestic deposits to total assets | 96.9200% | 45 |
| Equity capital to assets | 2.4969% | 4,587 |
| Core capital (leverage) ratio | 9.7943% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $133,894,333 | 3,527 |
| Average earning assets | $127,708,333 | 3,487 |
| Average equity | $3,201,667 | 4,456 |
| Average total loans | $61,101,667 | 3,707 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 3,274 |
| Cost of funding earning assets | 0.7129% | 3,018 |
| Net interest margin | 3.3730% | 2,703 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.7553% | 1,540 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.0343% | 2,422 |
| Return on assets (ROA) | 1.0343% | 2,391 |
| Pretax return on assets | 1.0343% | 2,902 |
| Return on Equity (ROE) | 44.1900% | 97 |
| Retained earnings to average equity (ytd only) | 32.2317% | 96 |
| Net charge-offs to loans | 0.0132% | 1,461 |
| Credit loss provision to net charge-offs | 350.0000% | 642 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 537 |
| Efficiency ratio | 72.3125% | 1,514 |
| Assets per employee ($millions) | 6.1190% | 2,662 |
| Cash dividends to net income (ytd only)* | 27.0655% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 3,253 |
| Loan loss allowance to noncurrent loans | 285.2174% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 2,310 |
| Noncurrent loans to loans | 0.3715% | 1,819 |
| Net loans and leases to total assets | 45.5100% | 3,798 |
| Net loans and leases to deposits | 46.7014% | 4,006 |
| Net loans and leases to core deposits | 50.6218% | 3,970 |
| Total domestic deposits to total assets | 97.4400% | 26 |
| Equity capital to assets | 2.4789% | 4,618 |
| Core capital (leverage) ratio | 9.2833% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $135,739,500 | 3,560 |
| Average earning assets | $129,618,000 | 3,510 |
| Average equity | $3,177,000 | 4,520 |
| Average total loans | $60,556,500 | 3,754 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 2,580 |
| Cost of funding earning assets | 0.3434% | 2,532 |
| Net interest margin | 3.3385% | 2,459 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.8629% | 1,187 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8521% | 3,140 |
| Return on assets (ROA) | 0.8521% | 3,076 |
| Pretax return on assets | 0.8521% | 3,486 |
| Return on Equity (ROE) | 22.3800% | 316 |
| Retained earnings to average equity (ytd only) | 13.3294% | 467 |
| Net charge-offs to loans | -0.0174% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.6059% | 958 |
| Assets per employee ($millions) | 5.9505% | 2,809 |
| Cash dividends to net income (ytd only)* | 40.4348% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 2,894 |
| Loan loss allowance to noncurrent loans | 455.2448% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 2,800 |
| Noncurrent loans to loans | 0.2416% | 2,313 |
| Net loans and leases to total assets | 42.7800% | 3,943 |
| Net loans and leases to deposits | 43.7618% | 4,125 |
| Net loans and leases to core deposits | 46.6665% | 4,094 |
| Total domestic deposits to total assets | 97.7500% | 40 |
| Equity capital to assets | 2.2044% | 4,637 |
| Core capital (leverage) ratio | 9.4681% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $134,967,000 | 3,587 |
| Average earning assets | $129,010,200 | 3,538 |
| Average equity | $5,139,000 | 4,414 |
| Average total loans | $57,632,400 | 3,777 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 2,264 |
| Cost of funding earning assets | 0.3108% | 2,051 |
| Net interest margin | 3.3168% | 2,248 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.6261% | 1,653 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0578% | 2,262 |
| Return on assets (ROA) | 1.0578% | 2,226 |
| Pretax return on assets | 1.0578% | 2,851 |
| Return on Equity (ROE) | 25.0900% | 185 |
| Retained earnings to average equity (ytd only) | 15.0980% | 357 |
| Net charge-offs to loans | -0.0256% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.8478% | 1,661 |
| Assets per employee ($millions) | 5.6927% | 3,042 |
| Cash dividends to net income (ytd only)* | 39.8313% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,108 |
| Loan loss allowance to noncurrent loans | 496.1538% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 2,962 |
| Noncurrent loans to loans | 0.2175% | 2,523 |
| Net loans and leases to total assets | 45.1700% | 3,810 |
| Net loans and leases to deposits | 46.9240% | 3,994 |
| Net loans and leases to core deposits | 50.0542% | 3,944 |
| Total domestic deposits to total assets | 96.2500% | 113 |
| Equity capital to assets | 0.6484% | 4,703 |
| Core capital (leverage) ratio | 9.3070% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $134,493,500 | 3,614 |
| Average earning assets | $128,676,500 | 3,563 |
| Average equity | $5,669,500 | 4,400 |
| Average total loans | $57,241,500 | 3,799 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5430% | 2,012 |
| Cost of funding earning assets | 0.2755% | 1,949 |
| Net interest margin | 3.2675% | 2,003 |
| Noninterest income to average assets | 0.5454% | 1,968 |
| Noninterest expense to average assets | 2.6341% | 1,541 |
| Loan and lease loss provision to assets | 0.0221% | 2,204 |
| Net operating income to assets | 1.0186% | 2,092 |
| Return on assets (ROA) | 1.0186% | 2,061 |
| Pretax return on assets | 1.0186% | 2,660 |
| Return on Equity (ROE) | 18.9931% | 387 |
| Retained earnings to average equity (ytd only) | 7.9985% | 1,619 |
| Net charge-offs to loans | -0.0319% | 4,061 |
| Credit loss provision to net charge-offs | -166.6667% | 3,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6807% | 1,755 |
| Assets per employee ($millions) | 5.7980% | 2,925 |
| Cash dividends to net income (ytd only)* | 57.8871% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,212 |
| Loan loss allowance to noncurrent loans | 453.5714% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 2,978 |
| Noncurrent loans to loans | 0.2395% | 2,522 |
| Net loans and leases to total assets | 43.3601% | 3,878 |
| Net loans and leases to deposits | 44.1926% | 4,108 |
| Net loans and leases to core deposits | 47.5092% | 4,052 |
| Total domestic deposits to total assets | 98.1163% | 23 |
| Equity capital to assets | 1.4720% | 4,744 |
| Core capital (leverage) ratio | 8.8970% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,681,000 | 3,641 |
| Average earning assets | $129,948,000 | 3,596 |
| Average equity | $7,276,333 | 4,283 |
| Average total loans | $56,395,000 | 3,854 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 2,031 |
| Cost of funding earning assets | 0.2591% | 2,053 |
| Net interest margin | 3.1605% | 1,992 |
| Noninterest income to average assets | 0.5349% | 1,972 |
| Noninterest expense to average assets | 2.4553% | 1,999 |
| Loan and lease loss provision to assets | 0.0234% | 1,939 |
| Net operating income to assets | 1.0874% | 1,557 |
| Return on assets (ROA) | 1.0874% | 1,556 |
| Pretax return on assets | 1.0874% | 2,182 |
| Return on Equity (ROE) | 14.9804% | 655 |
| Retained earnings to average equity (ytd only) | 2.8994% | 3,299 |
| Net charge-offs to loans | -0.0506% | 4,258 |
| Credit loss provision to net charge-offs | -114.2857% | 2,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8525% | 2,390 |
| Assets per employee ($millions) | 5.9231% | 2,876 |
| Cash dividends to net income (ytd only)* | 80.6452% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 3,235 |
| Loan loss allowance to noncurrent loans | 329.4737% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 2,815 |
| Noncurrent loans to loans | 0.3403% | 2,262 |
| Net loans and leases to total assets | 40.5290% | 3,976 |
| Net loans and leases to deposits | 42.9911% | 4,117 |
| Net loans and leases to core deposits | 46.3983% | 4,053 |
| Total domestic deposits to total assets | 94.2730% | 89 |
| Equity capital to assets | 5.6830% | 4,643 |
| Core capital (leverage) ratio | 8.5633% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,845,000 | 3,649 |
| Average earning assets | $131,246,500 | 3,601 |
| Average equity | $9,933,000 | 4,061 |
| Average total loans | $55,364,000 | 3,879 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4411% | 2,822 |
| Cost of funding earning assets | 0.2481% | 2,955 |
| Net interest margin | 3.1930% | 2,614 |
| Noninterest income to average assets | 0.5139% | 2,504 |
| Noninterest expense to average assets | 2.7913% | 1,383 |
| Loan and lease loss provision to assets | 0.0232% | 2,603 |
| Net operating income to assets | 0.7426% | 3,508 |
| Return on assets (ROA) | 0.7620% | 3,517 |
| Pretax return on assets | 0.7620% | 3,809 |
| Return on Equity (ROE) | 7.9304% | 3,238 |
| Retained earnings to average equity (ytd only) | 2.4209% | 3,851 |
| Net charge-offs to loans | 0.0761% | 1,031 |
| Credit loss provision to net charge-offs | 71.4286% | 2,007 |
| Earnings coverage of net charge-offs (x) | 23.5952% | 1,771 |
| Efficiency ratio | 78.4706% | 911 |
| Assets per employee ($millions) | 5.9765% | 2,799 |
| Cash dividends to net income (ytd only)* | 69.4726% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,304 |
| Loan loss allowance to noncurrent loans | 278.9954% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 2,828 |
| Noncurrent loans to loans | 0.3990% | 2,159 |
| Net loans and leases to total assets | 39.4867% | 4,122 |
| Net loans and leases to deposits | 43.3198% | 4,212 |
| Net loans and leases to core deposits | 46.8544% | 4,148 |
| Total domestic deposits to total assets | 91.1515% | 433 |
| Equity capital to assets | 8.8201% | 3,791 |
| Core capital (leverage) ratio | 8.8213% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,403,600 | 3,688 |
| Average earning assets | $123,332,800 | 3,646 |
| Average equity | $12,433,200 | 3,889 |
| Average total loans | $55,201,800 | 3,909 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 2,837 |
| Cost of funding earning assets | 0.2486% | 3,142 |
| Net interest margin | 3.2534% | 2,573 |
| Noninterest income to average assets | 0.5118% | 2,574 |
| Noninterest expense to average assets | 2.6553% | 1,691 |
| Loan and lease loss provision to assets | 0.0228% | 2,538 |
| Net operating income to assets | 0.9294% | 3,152 |
| Return on assets (ROA) | 0.9294% | 3,229 |
| Pretax return on assets | 0.9294% | 3,633 |
| Return on Equity (ROE) | 9.4638% | 2,946 |
| Retained earnings to average equity (ytd only) | 2.1635% | 4,148 |
| Net charge-offs to loans | 0.1109% | 691 |
| Credit loss provision to net charge-offs | 47.8261% | 1,873 |
| Earnings coverage of net charge-offs (x) | 19.7826% | 1,748 |
| Efficiency ratio | 73.6002% | 1,251 |
| Assets per employee ($millions) | 5.6888% | 3,007 |
| Cash dividends to net income (ytd only)* | 77.1396% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,470 |
| Loan loss allowance to noncurrent loans | 332.7778% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 3,197 |
| Noncurrent loans to loans | 0.3286% | 2,609 |
| Net loans and leases to total assets | 41.4130% | 4,125 |
| Net loans and leases to deposits | 45.8853% | 4,232 |
| Net loans and leases to core deposits | 49.4791% | 4,173 |
| Total domestic deposits to total assets | 90.2532% | 655 |
| Equity capital to assets | 9.6643% | 3,232 |
| Core capital (leverage) ratio | 9.1697% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,389,750 | 3,750 |
| Average earning assets | $121,223,500 | 3,709 |
| Average equity | $12,510,500 | 3,937 |
| Average total loans | $55,280,000 | 3,959 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 2,846 |
| Cost of funding earning assets | 0.2586% | 3,201 |
| Net interest margin | 3.2562% | 2,595 |
| Noninterest income to average assets | 0.4626% | 2,792 |
| Noninterest expense to average assets | 2.7155% | 1,550 |
| Loan and lease loss provision to assets | 0.0238% | 2,493 |
| Net operating income to assets | 0.8159% | 3,463 |
| Return on assets (ROA) | 0.8159% | 3,535 |
| Pretax return on assets | 0.8159% | 3,831 |
| Return on Equity (ROE) | 8.2627% | 3,332 |
| Retained earnings to average equity (ytd only) | -0.8022% | 4,587 |
| Net charge-offs to loans | 0.1659% | 502 |
| Credit loss provision to net charge-offs | 32.6087% | 1,691 |
| Earnings coverage of net charge-offs (x) | 11.5217% | 1,757 |
| Efficiency ratio | 76.3815% | 1,047 |
| Assets per employee ($millions) | 5.5504% | 3,068 |
| Cash dividends to net income (ytd only)* | 109.7087% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,483 |
| Loan loss allowance to noncurrent loans | 163.9889% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 2,508 |
| Noncurrent loans to loans | 0.6610% | 1,765 |
| Net loans and leases to total assets | 42.3151% | 4,159 |
| Net loans and leases to deposits | 47.1650% | 4,263 |
| Net loans and leases to core deposits | 50.4751% | 4,215 |
| Total domestic deposits to total assets | 89.7171% | 912 |
| Equity capital to assets | 9.6076% | 3,243 |
| Core capital (leverage) ratio | 8.9300% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,238,667 | 3,780 |
| Average earning assets | $119,895,333 | 3,731 |
| Average equity | $12,465,667 | 3,946 |
| Average total loans | $55,445,000 | 3,981 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 2,676 |
| Cost of funding earning assets | 0.2693% | 3,283 |
| Net interest margin | 3.3193% | 2,333 |
| Noninterest income to average assets | 0.4780% | 2,714 |
| Noninterest expense to average assets | 2.5779% | 1,941 |
| Loan and lease loss provision to assets | 0.0255% | 2,449 |
| Net operating income to assets | 1.0165% | 2,760 |
| Return on assets (ROA) | 1.0165% | 2,842 |
| Pretax return on assets | 1.0165% | 3,324 |
| Return on Equity (ROE) | 10.1544% | 2,645 |
| Retained earnings to average equity (ytd only) | -0.8276% | 4,441 |
| Net charge-offs to loans | 0.2148% | 383 |
| Credit loss provision to net charge-offs | 26.6667% | 1,394 |
| Earnings coverage of net charge-offs (x) | 10.9000% | 1,480 |
| Efficiency ratio | 71.2148% | 1,583 |
| Assets per employee ($millions) | 5.4330% | 3,180 |
| Cash dividends to net income (ytd only)* | 108.1505% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,446 |
| Loan loss allowance to noncurrent loans | 158.5752% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 2,622 |
| Noncurrent loans to loans | 0.6920% | 1,854 |
| Net loans and leases to total assets | 43.3490% | 4,152 |
| Net loans and leases to deposits | 48.0000% | 4,264 |
| Net loans and leases to core deposits | 51.4152% | 4,221 |
| Total domestic deposits to total assets | 90.3103% | 661 |
| Equity capital to assets | 9.6376% | 3,059 |
| Core capital (leverage) ratio | 9.1330% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,528,500 | 3,794 |
| Average earning assets | $118,822,000 | 3,755 |
| Average equity | $12,566,000 | 3,944 |
| Average total loans | $55,862,000 | 3,992 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 2,733 |
| Cost of funding earning assets | 0.3024% | 4,131 |
| Net interest margin | 3.6953% | 1,816 |
| Noninterest income to average assets | 0.5210% | 2,542 |
| Noninterest expense to average assets | 3.0421% | 1,343 |
| Loan and lease loss provision to assets | 0.0260% | 4,072 |
| Net operating income to assets | 0.9493% | 2,482 |
| Return on assets (ROA) | 0.9762% | 2,522 |
| Pretax return on assets | 0.9762% | 3,122 |
| Return on Equity (ROE) | 9.3473% | 2,264 |
| Retained earnings to average equity (ytd only) | 3.1628% | 3,255 |
| Net charge-offs to loans | 0.1122% | 1,354 |
| Credit loss provision to net charge-offs | 46.8750% | 3,158 |
| Earnings coverage of net charge-offs (x) | 17.5781% | 2,070 |
| Efficiency ratio | 75.7229% | 1,265 |
| Assets per employee ($millions) | 5.4826% | 2,858 |
| Cash dividends to net income (ytd only)* | 66.1634% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,495 |
| Loan loss allowance to noncurrent loans | 157.3232% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 2,738 |
| Noncurrent loans to loans | 0.6953% | 1,948 |
| Net loans and leases to total assets | 44.6728% | 4,212 |
| Net loans and leases to deposits | 50.1603% | 4,310 |
| Net loans and leases to core deposits | 53.8670% | 4,261 |
| Total domestic deposits to total assets | 89.0602% | 960 |
| Equity capital to assets | 10.3799% | 2,771 |
| Core capital (leverage) ratio | 9.5143% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0569% | 1,248 |
| Memoranda: | ||
| Average total assets | $115,348,200 | 3,805 |
| Average earning assets | $109,140,000 | 3,778 |
| Average equity | $12,046,200 | 3,969 |
| Average total loans | $57,055,000 | 3,962 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 2,704 |
| Cost of funding earning assets | 0.3096% | 4,272 |
| Net interest margin | 3.7797% | 1,682 |
| Noninterest income to average assets | 0.5278% | 2,488 |
| Noninterest expense to average assets | 2.9078% | 1,684 |
| Loan and lease loss provision to assets | 0.0275% | 3,993 |
| Net operating income to assets | 1.1764% | 1,724 |
| Return on assets (ROA) | 1.2131% | 1,724 |
| Pretax return on assets | 1.2131% | 2,353 |
| Return on Equity (ROE) | 11.5959% | 1,482 |
| Retained earnings to average equity (ytd only) | 4.0161% | 3,042 |
| Net charge-offs to loans | 0.0934% | 1,372 |
| Credit loss provision to net charge-offs | 57.5000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 25.4250% | 1,724 |
| Efficiency ratio | 70.7254% | 1,786 |
| Assets per employee ($millions) | 5.0944% | 3,120 |
| Cash dividends to net income (ytd only)* | 65.3659% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,140 |
| Loan loss allowance to noncurrent loans | 160.8040% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 2,778 |
| Noncurrent loans to loans | 0.6919% | 2,064 |
| Net loans and leases to total assets | 48.5449% | 4,189 |
| Net loans and leases to deposits | 54.5354% | 4,317 |
| Net loans and leases to core deposits | 58.7292% | 4,265 |
| Total domestic deposits to total assets | 89.0153% | 763 |
| Equity capital to assets | 10.9028% | 2,478 |
| Core capital (leverage) ratio | 9.9534% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9682% | 1,063 |
| Memoranda: | ||
| Average total assets | $112,660,500 | 3,840 |
| Average earning assets | $106,814,250 | 3,808 |
| Average equity | $11,785,500 | 4,005 |
| Average total loans | $57,080,000 | 3,981 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 2,832 |
| Cost of funding earning assets | 0.3226% | 4,388 |
| Net interest margin | 3.8543% | 1,683 |
| Noninterest income to average assets | 0.5236% | 2,469 |
| Noninterest expense to average assets | 2.9958% | 1,581 |
| Loan and lease loss provision to assets | 0.0270% | 3,914 |
| Net operating income to assets | 1.1551% | 1,784 |
| Return on assets (ROA) | 1.2109% | 1,735 |
| Pretax return on assets | 1.2109% | 2,330 |
| Return on Equity (ROE) | 11.7496% | 1,408 |
| Retained earnings to average equity (ytd only) | 2.1474% | 3,697 |
| Net charge-offs to loans | 0.1265% | 1,084 |
| Credit loss provision to net charge-offs | 41.6667% | 2,665 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,773 |
| Efficiency ratio | 71.7054% | 1,731 |
| Assets per employee ($millions) | 4.9680% | 3,209 |
| Cash dividends to net income (ytd only)* | 81.7236% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 2,968 |
| Loan loss allowance to noncurrent loans | 289.0909% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 3,570 |
| Noncurrent loans to loans | 0.3858% | 3,024 |
| Net loans and leases to total assets | 49.3467% | 4,188 |
| Net loans and leases to deposits | 55.4266% | 4,318 |
| Net loans and leases to core deposits | 59.6248% | 4,278 |
| Total domestic deposits to total assets | 89.0308% | 729 |
| Equity capital to assets | 10.8948% | 2,425 |
| Core capital (leverage) ratio | 9.9979% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9292% | 1,067 |
| Memoranda: | ||
| Average total assets | $111,156,667 | 3,853 |
| Average earning assets | $105,387,667 | 3,814 |
| Average equity | $11,455,667 | 4,053 |
| Average total loans | $56,933,000 | 4,000 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 3,187 |
| Cost of funding earning assets | 0.3381% | 4,554 |
| Net interest margin | 3.8689% | 1,762 |
| Noninterest income to average assets | 0.5693% | 2,184 |
| Noninterest expense to average assets | 3.0583% | 1,745 |
| Loan and lease loss provision to assets | 0.0255% | 3,472 |
| Net operating income to assets | 1.1606% | 1,658 |
| Return on assets (ROA) | 1.1314% | 1,850 |
| Pretax return on assets | 1.1314% | 2,421 |
| Return on Equity (ROE) | 11.3149% | 1,320 |
| Retained earnings to average equity (ytd only) | -0.7300% | 4,106 |
| Net charge-offs to loans | 0.0422% | 1,612 |
| Credit loss provision to net charge-offs | 116.6667% | 1,718 |
| Earnings coverage of net charge-offs (x) | 54.1667% | 850 |
| Efficiency ratio | 72.0550% | 2,068 |
| Assets per employee ($millions) | 4.7120% | 2,975 |
| Cash dividends to net income (ytd only)* | 106.4516% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,820 |
| Loan loss allowance to noncurrent loans | 185.3521% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 3,078 |
| Noncurrent loans to loans | 0.6319% | 2,408 |
| Net loans and leases to total assets | 51.2323% | 4,168 |
| Net loans and leases to deposits | 57.7521% | 4,292 |
| Net loans and leases to core deposits | 61.8631% | 4,278 |
| Total domestic deposits to total assets | 88.7107% | 801 |
| Equity capital to assets | 9.8185% | 3,943 |
| Core capital (leverage) ratio | 10.0075% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7380% | 1,022 |
| Memoranda: | ||
| Average total assets | $109,602,500 | 3,848 |
| Average earning assets | $104,111,000 | 3,818 |
| Average equity | $10,959,000 | 4,123 |
| Average total loans | $56,888,500 | 4,013 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 3,541 |
| Cost of funding earning assets | 0.3646% | 4,555 |
| Net interest margin | 3.9364% | 2,043 |
| Noninterest income to average assets | 0.6478% | 2,013 |
| Noninterest expense to average assets | 3.3627% | 1,176 |
| Loan and lease loss provision to assets | 0.0335% | 3,341 |
| Net operating income to assets | 0.9861% | 2,890 |
| Return on assets (ROA) | 0.9861% | 2,974 |
| Pretax return on assets | 0.9861% | 3,495 |
| Return on Equity (ROE) | 9.6645% | 2,449 |
| Retained earnings to average equity (ytd only) | 2.9773% | 3,546 |
| Net charge-offs to loans | 0.0773% | 1,996 |
| Credit loss provision to net charge-offs | 77.7778% | 2,823 |
| Earnings coverage of net charge-offs (x) | 23.6444% | 1,809 |
| Efficiency ratio | 76.7330% | 1,293 |
| Assets per employee ($millions) | 5.0376% | 2,546 |
| Cash dividends to net income (ytd only)* | 69.1934% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 2,745 |
| Loan loss allowance to noncurrent loans | 178.0488% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 3,019 |
| Noncurrent loans to loans | 0.6407% | 2,286 |
| Net loans and leases to total assets | 51.3751% | 4,265 |
| Net loans and leases to deposits | 57.2431% | 4,406 |
| Net loans and leases to core deposits | 60.8273% | 4,405 |
| Total domestic deposits to total assets | 89.7490% | 407 |
| Equity capital to assets | 10.1752% | 3,757 |
| Core capital (leverage) ratio | 10.3918% | 3,076 |
| Tier 1 risk-based capital ratio | 17.4746% | 1,901 |
| Total risk-based capital ratio | 18.5300% | 1,915 |
| Memoranda: | ||
| Average total assets | $104,350,400 | 3,929 |
| Average earning assets | $99,000,200 | 3,891 |
| Average equity | $10,647,200 | 4,162 |
| Average total loans | $58,217,200 | 4,011 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 3,563 |
| Cost of funding earning assets | 0.3694% | 4,601 |
| Net interest margin | 3.9634% | 2,065 |
| Noninterest income to average assets | 0.6515% | 1,981 |
| Noninterest expense to average assets | 3.1434% | 1,598 |
| Loan and lease loss provision to assets | 0.0454% | 2,995 |
| Net operating income to assets | 1.2226% | 2,119 |
| Return on assets (ROA) | 1.2226% | 2,191 |
| Pretax return on assets | 1.2226% | 2,907 |
| Return on Equity (ROE) | 11.9733% | 1,626 |
| Retained earnings to average equity (ytd only) | 2.9107% | 3,929 |
| Net charge-offs to loans | 0.1165% | 1,320 |
| Credit loss provision to net charge-offs | 68.6275% | 2,635 |
| Earnings coverage of net charge-offs (x) | 19.1563% | 2,018 |
| Efficiency ratio | 71.2563% | 1,933 |
| Assets per employee ($millions) | 4.2578% | 3,538 |
| Cash dividends to net income (ytd only)* | 75.6897% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 2,974 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 3,256 |
| Noncurrent loans to loans | 0.4658% | 2,906 |
| Net loans and leases to total assets | 56.7170% | 3,997 |
| Net loans and leases to deposits | 63.7188% | 4,191 |
| Net loans and leases to core deposits | 68.3249% | 4,151 |
| Total domestic deposits to total assets | 89.0114% | 607 |
| Equity capital to assets | 10.8790% | 3,222 |
| Core capital (leverage) ratio | 10.8091% | 2,829 |
| Tier 1 risk-based capital ratio | 17.5938% | 1,923 |
| Total risk-based capital ratio | 18.6551% | 1,932 |
| Memoranda: | ||
| Average total assets | $102,731,000 | 4,000 |
| Average earning assets | $97,457,000 | 3,952 |
| Average equity | $10,489,750 | 4,229 |
| Average total loans | $58,372,750 | 4,058 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 3,667 |
| Cost of funding earning assets | 0.3622% | 4,642 |
| Net interest margin | 3.9251% | 2,167 |
| Noninterest income to average assets | 0.5966% | 2,171 |
| Noninterest expense to average assets | 3.1542% | 1,607 |
| Loan and lease loss provision to assets | 0.0583% | 2,661 |
| Net operating income to assets | 1.1116% | 2,482 |
| Return on assets (ROA) | 1.1116% | 2,550 |
| Pretax return on assets | 1.1116% | 3,199 |
| Return on Equity (ROE) | 11.1277% | 1,928 |
| Retained earnings to average equity (ytd only) | -0.1167% | 4,701 |
| Net charge-offs to loans | 0.1750% | 933 |
| Credit loss provision to net charge-offs | 58.8235% | 2,410 |
| Earnings coverage of net charge-offs (x) | 11.8039% | 2,185 |
| Efficiency ratio | 72.9438% | 1,784 |
| Assets per employee ($millions) | 4.2662% | 3,484 |
| Cash dividends to net income (ytd only)* | 101.0490% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,061 |
| Loan loss allowance to noncurrent loans | 217.5084% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,130 |
| Noncurrent loans to loans | 0.5063% | 2,760 |
| Net loans and leases to total assets | 56.6580% | 4,033 |
| Net loans and leases to deposits | 63.9959% | 4,227 |
| Net loans and leases to core deposits | 68.9983% | 4,154 |
| Total domestic deposits to total assets | 88.5338% | 866 |
| Equity capital to assets | 10.5471% | 3,479 |
| Core capital (leverage) ratio | 10.5376% | 3,047 |
| Tier 1 risk-based capital ratio | 17.2060% | 2,027 |
| Total risk-based capital ratio | 18.2586% | 2,029 |
| Memoranda: | ||
| Average total assets | $102,912,000 | 4,017 |
| Average earning assets | $97,730,670 | 3,973 |
| Average equity | $10,280,670 | 4,263 |
| Average total loans | $58,294,000 | 4,086 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 3,519 |
| Cost of funding earning assets | 0.3680% | 4,611 |
| Net interest margin | 3.9456% | 2,038 |
| Noninterest income to average assets | 0.5815% | 2,135 |
| Noninterest expense to average assets | 2.9891% | 2,021 |
| Loan and lease loss provision to assets | 0.0582% | 2,491 |
| Net operating income to assets | 1.2755% | 1,794 |
| Return on assets (ROA) | 1.2755% | 1,840 |
| Pretax return on assets | 1.2755% | 2,549 |
| Return on Equity (ROE) | 13.1318% | 1,170 |
| Retained earnings to average equity (ytd only) | -0.3592% | 4,581 |
| Net charge-offs to loans | 0.2478% | 584 |
| Credit loss provision to net charge-offs | 41.6667% | 2,016 |
| Earnings coverage of net charge-offs (x) | 9.5556% | 2,015 |
| Efficiency ratio | 69.1480% | 2,482 |
| Assets per employee ($millions) | 4.2912% | 3,498 |
| Cash dividends to net income (ytd only)* | 102.7356% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,040 |
| Loan loss allowance to noncurrent loans | 144.5190% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 2,634 |
| Noncurrent loans to loans | 0.7719% | 2,102 |
| Net loans and leases to total assets | 55.6045% | 4,093 |
| Net loans and leases to deposits | 62.4445% | 4,279 |
| Net loans and leases to core deposits | 66.8480% | 4,241 |
| Total domestic deposits to total assets | 89.0463% | 837 |
| Equity capital to assets | 9.9235% | 3,899 |
| Core capital (leverage) ratio | 10.2970% | 3,279 |
| Tier 1 risk-based capital ratio | 17.2870% | 2,020 |
| Total risk-based capital ratio | 18.3417% | 2,023 |
| Memoranda: | ||
| Average total assets | $103,174,000 | 4,052 |
| Average earning assets | $97,831,000 | 4,010 |
| Average equity | $10,021,500 | 4,326 |
| Average total loans | $58,112,500 | 4,130 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 3,559 |
| Cost of funding earning assets | 0.3364% | 4,370 |
| Net interest margin | 3.8213% | 2,589 |
| Noninterest income to average assets | 0.6350% | 2,127 |
| Noninterest expense to average assets | 3.2266% | 1,492 |
| Loan and lease loss provision to assets | 0.0586% | 2,993 |
| Net operating income to assets | 0.9788% | 3,102 |
| Return on assets (ROA) | 0.9788% | 3,103 |
| Pretax return on assets | 0.9788% | 3,678 |
| Return on Equity (ROE) | 10.4728% | 2,308 |
| Retained earnings to average equity (ytd only) | 3.6373% | 3,581 |
| Net charge-offs to loans | 0.0486% | 2,462 |
| Credit loss provision to net charge-offs | 214.2857% | 1,352 |
| Earnings coverage of net charge-offs (x) | 37.9286% | 1,363 |
| Efficiency ratio | 75.6701% | 1,411 |
| Assets per employee ($millions) | 4.3067% | 3,451 |
| Cash dividends to net income (ytd only)* | 65.2695% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,862 |
| Loan loss allowance to noncurrent loans | 124.4403% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,439 |
| Noncurrent loans to loans | 0.9192% | 1,745 |
| Net loans and leases to total assets | 55.7721% | 4,152 |
| Net loans and leases to deposits | 61.6653% | 4,393 |
| Net loans and leases to core deposits | 65.6800% | 4,375 |
| Total domestic deposits to total assets | 90.4431% | 340 |
| Equity capital to assets | 9.5037% | 4,128 |
| Core capital (leverage) ratio | 10.6373% | 2,900 |
| Tier 1 risk-based capital ratio | 17.1073% | 2,030 |
| Total risk-based capital ratio | 18.1834% | 2,037 |
| Memoranda: | ||
| Average total assets | $102,369,200 | 4,060 |
| Average earning assets | $97,218,800 | 4,018 |
| Average equity | $9,567,600 | 4,378 |
| Average total loans | $57,657,600 | 4,149 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 3,562 |
| Cost of funding earning assets | 0.3363% | 4,266 |
| Net interest margin | 3.7858% | 2,699 |
| Noninterest income to average assets | 0.6202% | 2,206 |
| Noninterest expense to average assets | 2.9493% | 2,167 |
| Loan and lease loss provision to assets | 0.0588% | 2,800 |
| Net operating income to assets | 1.2129% | 2,189 |
| Return on assets (ROA) | 1.2129% | 2,190 |
| Pretax return on assets | 1.2129% | 2,943 |
| Return on Equity (ROE) | 13.0332% | 1,423 |
| Retained earnings to average equity (ytd only) | 4.3350% | 3,590 |
| Net charge-offs to loans | 0.0510% | 2,104 |
| Credit loss provision to net charge-offs | 204.5455% | 1,352 |
| Earnings coverage of net charge-offs (x) | 44.2765% | 1,269 |
| Efficiency ratio | 69.8732% | 2,213 |
| Assets per employee ($millions) | 4.1799% | 3,600 |
| Cash dividends to net income (ytd only)* | 66.7385% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 3,030 |
| Loan loss allowance to noncurrent loans | 86.3517% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 1,855 |
| Noncurrent loans to loans | 1.3071% | 1,282 |
| Net loans and leases to total assets | 57.4569% | 4,094 |
| Net loans and leases to deposits | 63.5064% | 4,361 |
| Net loans and leases to core deposits | 68.1763% | 4,289 |
| Total domestic deposits to total assets | 90.4742% | 354 |
| Equity capital to assets | 9.4291% | 4,155 |
| Core capital (leverage) ratio | 10.5553% | 3,026 |
| Tier 1 risk-based capital ratio | 17.0963% | 2,066 |
| Total risk-based capital ratio | 18.1614% | 2,088 |
| Memoranda: | ||
| Average total assets | $102,121,500 | 4,106 |
| Average earning assets | $97,133,500 | 4,060 |
| Average equity | $9,503,750 | 4,421 |
| Average total loans | $57,493,750 | 4,196 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 3,522 |
| Cost of funding earning assets | 0.3321% | 4,186 |
| Net interest margin | 3.7497% | 2,750 |
| Noninterest income to average assets | 0.5821% | 2,421 |
| Noninterest expense to average assets | 2.9886% | 2,067 |
| Loan and lease loss provision to assets | 0.0584% | 2,732 |
| Net operating income to assets | 1.0962% | 2,596 |
| Return on assets (ROA) | 1.0962% | 2,604 |
| Pretax return on assets | 1.0962% | 3,330 |
| Return on Equity (ROE) | 11.8294% | 1,791 |
| Retained earnings to average equity (ytd only) | 1.1136% | 4,732 |
| Net charge-offs to loans | 0.0384% | 2,079 |
| Credit loss provision to net charge-offs | 272.7273% | 1,082 |
| Earnings coverage of net charge-offs (x) | 53.9091% | 1,073 |
| Efficiency ratio | 72.1335% | 1,984 |
| Assets per employee ($millions) | 4.3149% | 3,404 |
| Cash dividends to net income (ytd only)* | 90.5861% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,213 |
| Loan loss allowance to noncurrent loans | 84.4961% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 1,854 |
| Noncurrent loans to loans | 1.3116% | 1,301 |
| Net loans and leases to total assets | 56.3539% | 4,133 |
| Net loans and leases to deposits | 62.7779% | 4,373 |
| Net loans and leases to core deposits | 66.3472% | 4,352 |
| Total domestic deposits to total assets | 89.7671% | 639 |
| Equity capital to assets | 8.9872% | 4,573 |
| Core capital (leverage) ratio | 10.2606% | 3,276 |
| Tier 1 risk-based capital ratio | 16.4778% | 2,263 |
| Total risk-based capital ratio | 17.5231% | 2,279 |
| Memoranda: | ||
| Average total assets | $102,723,000 | 4,135 |
| Average earning assets | $97,554,670 | 4,084 |
| Average equity | $9,518,670 | 4,456 |
| Average total loans | $57,226,000 | 4,235 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,538 |
| Cost of funding earning assets | 0.2997% | 4,356 |
| Net interest margin | 3.7197% | 2,730 |
| Noninterest income to average assets | 0.5904% | 2,316 |
| Noninterest expense to average assets | 2.9089% | 2,332 |
| Loan and lease loss provision to assets | 0.0586% | 2,600 |
| Net operating income to assets | 1.1651% | 2,157 |
| Return on assets (ROA) | 1.1651% | 2,168 |
| Pretax return on assets | 1.1651% | 2,904 |
| Return on Equity (ROE) | 12.3851% | 1,444 |
| Retained earnings to average equity (ytd only) | -0.0831% | 4,814 |
| Net charge-offs to loans | 0.0568% | 1,539 |
| Credit loss provision to net charge-offs | 187.5000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 39.1250% | 1,078 |
| Efficiency ratio | 70.3879% | 2,429 |
| Assets per employee ($millions) | 4.2428% | 3,577 |
| Cash dividends to net income (ytd only)* | 100.6711% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,176 |
| Loan loss allowance to noncurrent loans | 112.4343% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 2,452 |
| Noncurrent loans to loans | 1.0097% | 1,808 |
| Net loans and leases to total assets | 54.9083% | 4,214 |
| Net loans and leases to deposits | 61.6002% | 4,364 |
| Net loans and leases to core deposits | 65.1769% | 4,363 |
| Total domestic deposits to total assets | 89.1366% | 1,033 |
| Equity capital to assets | 9.1664% | 4,400 |
| Core capital (leverage) ratio | 10.1093% | 3,416 |
| Tier 1 risk-based capital ratio | 16.7865% | 2,184 |
| Total risk-based capital ratio | 17.8377% | 2,192 |
| Memoranda: | ||
| Average total assets | $102,305,500 | 4,186 |
| Average earning assets | $97,426,000 | 4,139 |
| Average equity | $9,624,500 | 4,483 |
| Average total loans | $56,332,500 | 4,297 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 3,343 |
| Cost of funding earning assets | 0.2778% | 4,338 |
| Net interest margin | 3.7397% | 2,635 |
| Noninterest income to average assets | 0.6748% | 2,071 |
| Noninterest expense to average assets | 3.2075% | 1,592 |
| Loan and lease loss provision to assets | 0.0595% | 3,045 |
| Net operating income to assets | 0.9433% | 2,479 |
| Return on assets (ROA) | 0.9433% | 2,509 |
| Pretax return on assets | 0.9433% | 3,765 |
| Return on Equity (ROE) | 9.6489% | 2,035 |
| Retained earnings to average equity (ytd only) | 2.9089% | 3,565 |
| Net charge-offs to loans | 0.0910% | 2,177 |
| Credit loss provision to net charge-offs | 117.6471% | 2,222 |
| Earnings coverage of net charge-offs (x) | 19.8431% | 2,001 |
| Efficiency ratio | 76.1826% | 1,589 |
| Assets per employee ($millions) | 4.2826% | 3,517 |
| Cash dividends to net income (ytd only)* | 69.8529% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,179 |
| Loan loss allowance to noncurrent loans | 111.9929% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 2,510 |
| Noncurrent loans to loans | 1.0105% | 1,760 |
| Net loans and leases to total assets | 53.9739% | 4,369 |
| Net loans and leases to deposits | 59.7885% | 4,580 |
| Net loans and leases to core deposits | 63.1694% | 4,588 |
| Total domestic deposits to total assets | 90.2747% | 475 |
| Equity capital to assets | 9.6465% | 4,089 |
| Core capital (leverage) ratio | 10.2561% | 3,123 |
| Tier 1 risk-based capital ratio | 17.0601% | 2,068 |
| Total risk-based capital ratio | 18.1167% | 2,084 |
| Memoranda: | ||
| Average total assets | $100,921,200 | 4,221 |
| Average earning assets | $95,409,200 | 4,171 |
| Average equity | $9,866,400 | 4,475 |
| Average total loans | $56,070,800 | 4,286 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0436% | 3,203 |
| Cost of funding earning assets | 0.2784% | 4,334 |
| Net interest margin | 3.7652% | 2,521 |
| Noninterest income to average assets | 0.6995% | 2,002 |
| Noninterest expense to average assets | 2.9784% | 2,171 |
| Loan and lease loss provision to assets | 0.0597% | 2,885 |
| Net operating income to assets | 1.2158% | 1,624 |
| Return on assets (ROA) | 1.2158% | 1,656 |
| Pretax return on assets | 1.2158% | 2,836 |
| Return on Equity (ROE) | 12.3936% | 1,217 |
| Retained earnings to average equity (ytd only) | 3.3961% | 3,903 |
| Net charge-offs to loans | 0.0476% | 2,488 |
| Credit loss provision to net charge-offs | 225.0000% | 1,235 |
| Earnings coverage of net charge-offs (x) | 48.0427% | 1,144 |
| Efficiency ratio | 70.0156% | 2,534 |
| Assets per employee ($millions) | 4.1688% | 3,705 |
| Cash dividends to net income (ytd only)* | 72.5981% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,129 |
| Loan loss allowance to noncurrent loans | 97.7477% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 2,212 |
| Noncurrent loans to loans | 1.1893% | 1,610 |
| Net loans and leases to total assets | 55.3202% | 4,293 |
| Net loans and leases to deposits | 61.6798% | 4,543 |
| Net loans and leases to core deposits | 66.2799% | 4,466 |
| Total domestic deposits to total assets | 89.6894% | 580 |
| Equity capital to assets | 10.2137% | 3,680 |
| Core capital (leverage) ratio | 10.3742% | 3,109 |
| Tier 1 risk-based capital ratio | 17.1026% | 2,128 |
| Total risk-based capital ratio | 18.1919% | 2,130 |
| Memoranda: | ||
| Average total assets | $100,455,750 | 4,274 |
| Average earning assets | $94,831,500 | 4,224 |
| Average equity | $9,854,250 | 4,523 |
| Average total loans | $56,060,750 | 4,325 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,020 |
| Cost of funding earning assets | 0.2758% | 4,327 |
| Net interest margin | 3.7711% | 2,402 |
| Noninterest income to average assets | 0.6919% | 2,022 |
| Noninterest expense to average assets | 3.0063% | 2,092 |
| Loan and lease loss provision to assets | 0.0596% | 2,775 |
| Net operating income to assets | 1.1870% | 1,638 |
| Return on assets (ROA) | 1.1870% | 1,671 |
| Pretax return on assets | 1.1870% | 2,815 |
| Return on Equity (ROE) | 12.2680% | 1,219 |
| Retained earnings to average equity (ytd only) | 1.0686% | 4,815 |
| Net charge-offs to loans | 0.0499% | 2,218 |
| Credit loss provision to net charge-offs | 214.2857% | 1,208 |
| Earnings coverage of net charge-offs (x) | 44.7857% | 1,162 |
| Efficiency ratio | 70.6872% | 2,559 |
| Assets per employee ($millions) | 4.2450% | 3,529 |
| Cash dividends to net income (ytd only)* | 91.2898% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 3,209 |
| Loan loss allowance to noncurrent loans | 94.5508% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 2,284 |
| Noncurrent loans to loans | 1.2336% | 1,572 |
| Net loans and leases to total assets | 53.3962% | 4,445 |
| Net loans and leases to deposits | 59.3129% | 4,679 |
| Net loans and leases to core deposits | 63.4795% | 4,643 |
| Total domestic deposits to total assets | 90.0245% | 530 |
| Equity capital to assets | 9.8724% | 4,058 |
| Core capital (leverage) ratio | 10.0597% | 3,455 |
| Tier 1 risk-based capital ratio | 16.9354% | 2,169 |
| Total risk-based capital ratio | 18.0185% | 2,174 |
| Memoranda: | ||
| Average total assets | $100,590,330 | 4,297 |
| Average earning assets | $94,984,670 | 4,250 |
| Average equity | $9,732,670 | 4,557 |
| Average total loans | $56,081,000 | 4,352 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 2,723 |
| Cost of funding earning assets | 0.2754% | 4,294 |
| Net interest margin | 3.8049% | 2,096 |
| Noninterest income to average assets | 0.7204% | 1,869 |
| Noninterest expense to average assets | 2.9616% | 2,269 |
| Loan and lease loss provision to assets | 0.0600% | 2,600 |
| Net operating income to assets | 1.2927% | 1,257 |
| Return on assets (ROA) | 1.2927% | 1,289 |
| Pretax return on assets | 1.2927% | 2,259 |
| Return on Equity (ROE) | 13.5005% | 902 |
| Retained earnings to average equity (ytd only) | -0.0836% | 4,929 |
| Net charge-offs to loans | -0.0283% | 4,903 |
| Credit loss provision to net charge-offs | -375.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6456% | 3,105 |
| Assets per employee ($millions) | 4.2163% | 3,638 |
| Cash dividends to net income (ytd only)* | 100.6192% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 3,460 |
| Loan loss allowance to noncurrent loans | 106.7881% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 2,304 |
| Noncurrent loans to loans | 1.0693% | 1,915 |
| Net loans and leases to total assets | 55.1838% | 4,241 |
| Net loans and leases to deposits | 61.0491% | 4,494 |
| Net loans and leases to core deposits | 65.3463% | 4,471 |
| Total domestic deposits to total assets | 90.3924% | 512 |
| Equity capital to assets | 9.5374% | 4,243 |
| Core capital (leverage) ratio | 9.9737% | 3,534 |
| Tier 1 risk-based capital ratio | 16.6859% | 2,283 |
| Total risk-based capital ratio | 17.7653% | 2,300 |
| Memoranda: | ||
| Average total assets | $99,945,500 | 4,351 |
| Average earning assets | $94,404,000 | 4,301 |
| Average equity | $9,570,000 | 4,607 |
| Average total loans | $56,600,500 | 4,384 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 2,991 |
| Cost of funding earning assets | 0.2659% | 4,408 |
| Net interest margin | 3.7929% | 2,344 |
| Noninterest income to average assets | 0.7306% | 2,034 |
| Noninterest expense to average assets | 3.2292% | 1,728 |
| Loan and lease loss provision to assets | 0.0600% | 3,179 |
| Net operating income to assets | 1.0194% | 2,266 |
| Return on assets (ROA) | 1.0324% | 2,316 |
| Pretax return on assets | 1.0324% | 3,354 |
| Return on Equity (ROE) | 10.4348% | 1,790 |
| Retained earnings to average equity (ytd only) | 3.9396% | 3,119 |
| Net charge-offs to loans | 0.1419% | 1,841 |
| Credit loss provision to net charge-offs | 75.9494% | 3,042 |
| Earnings coverage of net charge-offs (x) | 13.6709% | 2,350 |
| Efficiency ratio | 74.9478% | 2,143 |
| Assets per employee ($millions) | 4.1125% | 3,763 |
| Cash dividends to net income (ytd only)* | 62.2459% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,690 |
| Loan loss allowance to noncurrent loans | 93.5725% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8835% | 2,141 |
| Noncurrent loans to loans | 1.1796% | 1,740 |
| Net loans and leases to total assets | 56.8278% | 4,188 |
| Net loans and leases to deposits | 62.9308% | 4,475 |
| Net loans and leases to core deposits | 67.8805% | 4,409 |
| Total domestic deposits to total assets | 90.3019% | 516 |
| Equity capital to assets | 9.6140% | 4,156 |
| Core capital (leverage) ratio | 10.2600% | 3,161 |
| Tier 1 risk-based capital ratio | 16.6787% | 2,278 |
| Total risk-based capital ratio | 17.7261% | 2,296 |
| Memoranda: | ||
| Average total assets | $100,055,000 | 4,347 |
| Average earning assets | $94,386,200 | 4,298 |
| Average equity | $9,899,600 | 4,599 |
| Average total loans | $55,668,600 | 4,414 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,034 |
| Cost of funding earning assets | 0.2669% | 4,425 |
| Net interest margin | 3.7842% | 2,392 |
| Noninterest income to average assets | 0.7716% | 1,875 |
| Noninterest expense to average assets | 2.9722% | 2,393 |
| Loan and lease loss provision to assets | 0.0598% | 3,062 |
| Net operating income to assets | 1.3174% | 1,241 |
| Return on assets (ROA) | 1.3347% | 1,283 |
| Pretax return on assets | 1.3347% | 2,290 |
| Return on Equity (ROE) | 13.3967% | 946 |
| Retained earnings to average equity (ytd only) | 4.8254% | 2,940 |
| Net charge-offs to loans | 0.0409% | 2,819 |
| Credit loss provision to net charge-offs | 264.7059% | 1,150 |
| Earnings coverage of net charge-offs (x) | 60.9894% | 942 |
| Efficiency ratio | 68.3359% | 3,170 |
| Assets per employee ($millions) | 3.9324% | 4,078 |
| Cash dividends to net income (ytd only)* | 63.9798% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 3,230 |
| Loan loss allowance to noncurrent loans | 160.2381% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 2,943 |
| Noncurrent loans to loans | 0.7495% | 2,796 |
| Net loans and leases to total assets | 56.3121% | 4,274 |
| Net loans and leases to deposits | 63.0270% | 4,556 |
| Net loans and leases to core deposits | 68.2668% | 4,444 |
| Total domestic deposits to total assets | 89.3461% | 739 |
| Equity capital to assets | 10.5309% | 3,531 |
| Core capital (leverage) ratio | 10.1613% | 3,368 |
| Tier 1 risk-based capital ratio | 16.9825% | 2,232 |
| Total risk-based capital ratio | 18.1309% | 2,221 |
| Memoranda: | ||
| Average total assets | $100,393,750 | 4,381 |
| Average earning assets | $94,918,250 | 4,329 |
| Average equity | $10,002,250 | 4,619 |
| Average total loans | $55,407,000 | 4,460 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 2,942 |
| Cost of funding earning assets | 0.2754% | 4,388 |
| Net interest margin | 3.8050% | 2,302 |
| Noninterest income to average assets | 0.7043% | 2,126 |
| Noninterest expense to average assets | 2.9756% | 2,425 |
| Loan and lease loss provision to assets | 0.0594% | 2,953 |
| Net operating income to assets | 1.2504% | 1,419 |
| Return on assets (ROA) | 1.2801% | 1,443 |
| Pretax return on assets | 1.2801% | 2,485 |
| Return on Equity (ROE) | 13.0901% | 1,009 |
| Retained earnings to average equity (ytd only) | 2.5492% | 4,265 |
| Net charge-offs to loans | 0.0326% | 2,802 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 73.5556% | 746 |
| Efficiency ratio | 69.4367% | 3,068 |
| Assets per employee ($millions) | 3.9919% | 3,918 |
| Cash dividends to net income (ytd only)* | 80.5255% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 3,377 |
| Loan loss allowance to noncurrent loans | 195.3079% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 3,300 |
| Noncurrent loans to loans | 0.6135% | 3,228 |
| Net loans and leases to total assets | 55.0307% | 4,410 |
| Net loans and leases to deposits | 61.7289% | 4,676 |
| Net loans and leases to core deposits | 66.7846% | 4,555 |
| Total domestic deposits to total assets | 89.1490% | 850 |
| Equity capital to assets | 10.1366% | 4,043 |
| Core capital (leverage) ratio | 9.6331% | 4,022 |
| Tier 1 risk-based capital ratio | 16.6624% | 2,373 |
| Total risk-based capital ratio | 17.8044% | 2,352 |
| Memoranda: | ||
| Average total assets | $101,088,000 | 4,406 |
| Average earning assets | $95,138,000 | 4,358 |
| Average equity | $9,885,330 | 4,669 |
| Average total loans | $55,198,000 | 4,500 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 2,970 |
| Cost of funding earning assets | 0.2684% | 4,516 |
| Net interest margin | 3.8000% | 2,284 |
| Noninterest income to average assets | 0.6370% | 2,332 |
| Noninterest expense to average assets | 2.8820% | 2,766 |
| Loan and lease loss provision to assets | 0.0590% | 2,778 |
| Net operating income to assets | 1.2582% | 1,385 |
| Return on assets (ROA) | 1.2464% | 1,516 |
| Pretax return on assets | 1.2464% | 2,522 |
| Return on Equity (ROE) | 12.9785% | 1,044 |
| Retained earnings to average equity (ytd only) | 0.6960% | 4,939 |
| Net charge-offs to loans | 0.0073% | 2,873 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 179 |
| Efficiency ratio | 68.6330% | 3,356 |
| Assets per employee ($millions) | 4.1310% | 3,706 |
| Cash dividends to net income (ytd only)* | 94.6372% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 3,460 |
| Loan loss allowance to noncurrent loans | 180.0546% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 2,210 |
| Noncurrent loans to loans | 0.6682% | 3,170 |
| Net loans and leases to total assets | 52.4023% | 4,594 |
| Net loans and leases to deposits | 59.5941% | 4,744 |
| Net loans and leases to core deposits | 64.3626% | 4,666 |
| Total domestic deposits to total assets | 87.9321% | 1,678 |
| Equity capital to assets | 9.5464% | 4,627 |
| Core capital (leverage) ratio | 9.4937% | 4,206 |
| Tier 1 risk-based capital ratio | 16.1115% | 2,629 |
| Total risk-based capital ratio | 17.2164% | 2,640 |
| Memoranda: | ||
| Average total assets | $101,733,500 | 4,435 |
| Average earning assets | $95,369,000 | 4,391 |
| Average equity | $9,770,000 | 4,713 |
| Average total loans | $55,004,500 | 4,525 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,144 |
| Cost of funding earning assets | 0.2589% | 4,699 |
| Net interest margin | 3.7849% | 2,426 |
| Noninterest income to average assets | 0.6698% | 2,345 |
| Noninterest expense to average assets | 3.2608% | 1,811 |
| Loan and lease loss provision to assets | 0.0811% | 2,668 |
| Net operating income to assets | 0.8836% | 2,963 |
| Return on assets (ROA) | 0.8927% | 2,993 |
| Pretax return on assets | 0.8927% | 3,868 |
| Return on Equity (ROE) | 9.4190% | 2,262 |
| Retained earnings to average equity (ytd only) | 3.8061% | 3,327 |
| Net charge-offs to loans | 0.1035% | 2,372 |
| Credit loss provision to net charge-offs | 142.8571% | 1,838 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 2,098 |
| Efficiency ratio | 77.1703% | 2,093 |
| Assets per employee ($millions) | 4.0077% | 3,926 |
| Cash dividends to net income (ytd only)* | 59.5914% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 3,662 |
| Loan loss allowance to noncurrent loans | 183.2386% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 2,025 |
| Noncurrent loans to loans | 0.6373% | 3,277 |
| Net loans and leases to total assets | 54.4819% | 4,458 |
| Net loans and leases to deposits | 60.3678% | 4,745 |
| Net loans and leases to core deposits | 64.8325% | 4,682 |
| Total domestic deposits to total assets | 90.2498% | 525 |
| Equity capital to assets | 9.6624% | 4,353 |
| Core capital (leverage) ratio | 9.8336% | 3,731 |
| Tier 1 risk-based capital ratio | 16.1065% | 2,643 |
| Total risk-based capital ratio | 17.1899% | 2,653 |
| Memoranda: | ||
| Average total assets | $98,687,800 | 4,482 |
| Average earning assets | $92,711,000 | 4,457 |
| Average equity | $9,353,400 | 4,776 |
| Average total loans | $54,119,400 | 4,554 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,147 |
| Cost of funding earning assets | 0.2610% | 4,766 |
| Net interest margin | 3.7836% | 2,449 |
| Noninterest income to average assets | 0.6808% | 2,324 |
| Noninterest expense to average assets | 3.0569% | 2,344 |
| Loan and lease loss provision to assets | 0.0949% | 2,270 |
| Net operating income to assets | 1.0877% | 2,066 |
| Return on assets (ROA) | 1.0999% | 2,089 |
| Pretax return on assets | 1.0999% | 3,230 |
| Return on Equity (ROE) | 11.6627% | 1,475 |
| Retained earnings to average equity (ytd only) | 4.1128% | 3,539 |
| Net charge-offs to loans | 0.1362% | 1,771 |
| Credit loss provision to net charge-offs | 127.2727% | 1,904 |
| Earnings coverage of net charge-offs (x) | 15.8549% | 2,156 |
| Efficiency ratio | 72.1049% | 2,861 |
| Assets per employee ($millions) | 3.9305% | 4,021 |
| Cash dividends to net income (ytd only)* | 64.7344% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,944 |
| Loan loss allowance to noncurrent loans | 147.9070% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2019% | 1,967 |
| Noncurrent loans to loans | 0.7757% | 3,027 |
| Net loans and leases to total assets | 55.7703% | 4,381 |
| Net loans and leases to deposits | 61.8403% | 4,729 |
| Net loans and leases to core deposits | 66.1010% | 4,679 |
| Total domestic deposits to total assets | 90.1844% | 501 |
| Equity capital to assets | 9.6772% | 4,540 |
| Core capital (leverage) ratio | 9.9139% | 3,754 |
| Tier 1 risk-based capital ratio | 16.0159% | 2,787 |
| Total risk-based capital ratio | 17.0861% | 2,814 |
| Memoranda: | ||
| Average total assets | $98,311,500 | 4,541 |
| Average earning assets | $92,466,250 | 4,512 |
| Average equity | $9,271,500 | 4,853 |
| Average total loans | $53,841,250 | 4,609 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,138 |
| Cost of funding earning assets | 0.2638% | 4,787 |
| Net interest margin | 3.7727% | 2,431 |
| Noninterest income to average assets | 0.6448% | 2,506 |
| Noninterest expense to average assets | 3.0815% | 2,297 |
| Loan and lease loss provision to assets | 0.0814% | 2,479 |
| Net operating income to assets | 1.0312% | 2,223 |
| Return on assets (ROA) | 1.0495% | 2,253 |
| Pretax return on assets | 1.0495% | 3,384 |
| Return on Equity (ROE) | 11.2268% | 1,609 |
| Retained earnings to average equity (ytd only) | 1.8711% | 4,758 |
| Net charge-offs to loans | -0.0225% | 5,212 |
| Credit loss provision to net charge-offs | -666.6667% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4724% | 2,757 |
| Assets per employee ($millions) | 3.9135% | 4,046 |
| Cash dividends to net income (ytd only)* | 83.3333% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 3,614 |
| Loan loss allowance to noncurrent loans | 84.9682% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 1,602 |
| Noncurrent loans to loans | 1.4497% | 1,840 |
| Net loans and leases to total assets | 54.6649% | 4,483 |
| Net loans and leases to deposits | 60.4273% | 4,818 |
| Net loans and leases to core deposits | 64.5946% | 4,767 |
| Total domestic deposits to total assets | 90.4638% | 469 |
| Equity capital to assets | 9.3849% | 4,801 |
| Core capital (leverage) ratio | 9.5743% | 4,172 |
| Tier 1 risk-based capital ratio | 15.9914% | 2,866 |
| Total risk-based capital ratio | 17.1348% | 2,870 |
| Memoranda: | ||
| Average total assets | $98,328,000 | 4,581 |
| Average earning assets | $92,507,330 | 4,543 |
| Average equity | $9,192,330 | 4,902 |
| Average total loans | $53,309,330 | 4,666 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 3,067 |
| Cost of funding earning assets | 0.2672% | 4,825 |
| Net interest margin | 3.7792% | 2,301 |
| Noninterest income to average assets | 0.6168% | 2,567 |
| Noninterest expense to average assets | 3.0029% | 2,573 |
| Loan and lease loss provision to assets | 0.0406% | 3,100 |
| Net operating income to assets | 1.1322% | 1,751 |
| Return on assets (ROA) | 1.1524% | 1,797 |
| Pretax return on assets | 1.1524% | 2,859 |
| Return on Equity (ROE) | 12.3512% | 1,256 |
| Retained earnings to average equity (ytd only) | -1.5656% | 5,629 |
| Net charge-offs to loans | -0.2269% | 6,085 |
| Credit loss provision to net charge-offs | -33.3333% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9145% | 3,186 |
| Assets per employee ($millions) | 3.9849% | 3,993 |
| Cash dividends to net income (ytd only)* | 112.6761% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 3,774 |
| Loan loss allowance to noncurrent loans | 62.1241% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3702% | 1,937 |
| Noncurrent loans to loans | 1.9847% | 1,316 |
| Net loans and leases to total assets | 53.1499% | 4,538 |
| Net loans and leases to deposits | 58.6491% | 4,868 |
| Net loans and leases to core deposits | 62.6274% | 4,805 |
| Total domestic deposits to total assets | 90.6236% | 488 |
| Equity capital to assets | 9.2731% | 5,002 |
| Core capital (leverage) ratio | 9.3291% | 4,524 |
| Tier 1 risk-based capital ratio | 15.2209% | 3,307 |
| Total risk-based capital ratio | 16.2957% | 3,335 |
| Memoranda: | ||
| Average total assets | $98,573,000 | 4,610 |
| Average earning assets | $92,824,500 | 4,576 |
| Average equity | $9,197,500 | 4,938 |
| Average total loans | $52,889,000 | 4,704 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 2,964 |
| Cost of funding earning assets | 0.2710% | 5,086 |
| Net interest margin | 3.9266% | 2,133 |
| Noninterest income to average assets | 0.6018% | 2,850 |
| Noninterest expense to average assets | 3.1651% | 2,310 |
| Loan and lease loss provision to assets | 0.1029% | 2,436 |
| Net operating income to assets | 1.0153% | 2,315 |
| Return on assets (ROA) | 1.0842% | 2,092 |
| Pretax return on assets | 1.0842% | 3,151 |
| Return on Equity (ROE) | 12.5860% | 1,239 |
| Retained earnings to average equity (ytd only) | 4.8242% | 2,740 |
| Net charge-offs to loans | 0.3609% | 1,205 |
| Credit loss provision to net charge-offs | 54.0541% | 3,400 |
| Earnings coverage of net charge-offs (x) | 5.8757% | 3,333 |
| Efficiency ratio | 73.8953% | 2,855 |
| Assets per employee ($millions) | 4.0635% | 3,798 |
| Cash dividends to net income (ytd only)* | 61.6698% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 4,065 |
| Loan loss allowance to noncurrent loans | 123.4592% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 3,197 |
| Noncurrent loans to loans | 0.9642% | 2,913 |
| Net loans and leases to total assets | 52.8557% | 4,706 |
| Net loans and leases to deposits | 58.3956% | 5,038 |
| Net loans and leases to core deposits | 61.8960% | 5,003 |
| Total domestic deposits to total assets | 90.5131% | 534 |
| Equity capital to assets | 9.3895% | 4,858 |
| Core capital (leverage) ratio | 9.5743% | 4,143 |
| Tier 1 risk-based capital ratio | 16.2808% | 2,820 |
| Total risk-based capital ratio | 17.3689% | 2,848 |
| Memoranda: | ||
| Average total assets | $97,216,000 | 4,670 |
| Average earning assets | $91,147,200 | 4,628 |
| Average equity | $8,374,400 | 5,109 |
| Average total loans | $51,256,600 | 4,775 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 2,948 |
| Cost of funding earning assets | 0.2741% | 5,166 |
| Net interest margin | 3.9378% | 2,084 |
| Noninterest income to average assets | 0.5861% | 2,958 |
| Noninterest expense to average assets | 2.9195% | 3,053 |
| Loan and lease loss provision to assets | 0.0961% | 2,442 |
| Net operating income to assets | 1.2586% | 1,503 |
| Return on assets (ROA) | 1.3506% | 1,302 |
| Pretax return on assets | 1.3506% | 2,191 |
| Return on Equity (ROE) | 16.0412% | 671 |
| Retained earnings to average equity (ytd only) | 5.7709% | 2,557 |
| Net charge-offs to loans | 0.3658% | 1,095 |
| Credit loss provision to net charge-offs | 50.0000% | 3,096 |
| Earnings coverage of net charge-offs (x) | 7.0501% | 2,985 |
| Efficiency ratio | 68.3044% | 3,805 |
| Assets per employee ($millions) | 4.0610% | 3,752 |
| Cash dividends to net income (ytd only)* | 64.0243% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,045 |
| Loan loss allowance to noncurrent loans | 115.2174% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 2,943 |
| Noncurrent loans to loans | 1.0721% | 2,931 |
| Net loans and leases to total assets | 52.1736% | 4,788 |
| Net loans and leases to deposits | 57.4821% | 5,145 |
| Net loans and leases to core deposits | 61.3735% | 5,082 |
| Total domestic deposits to total assets | 90.7649% | 432 |
| Equity capital to assets | 9.0658% | 5,282 |
| Core capital (leverage) ratio | 9.6377% | 4,173 |
| Tier 1 risk-based capital ratio | 16.2103% | 2,950 |
| Total risk-based capital ratio | 17.3257% | 2,976 |
| Memoranda: | ||
| Average total assets | $97,139,000 | 4,716 |
| Average earning assets | $90,979,000 | 4,673 |
| Average equity | $8,178,750 | 5,199 |
| Average total loans | $51,028,750 | 4,832 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 2,818 |
| Cost of funding earning assets | 0.2845% | 5,137 |
| Net interest margin | 3.9539% | 1,951 |
| Noninterest income to average assets | 0.5339% | 3,246 |
| Noninterest expense to average assets | 2.9496% | 3,000 |
| Loan and lease loss provision to assets | 0.0824% | 2,656 |
| Net operating income to assets | 1.1976% | 1,597 |
| Return on assets (ROA) | 1.2656% | 1,465 |
| Pretax return on assets | 1.2656% | 2,390 |
| Return on Equity (ROE) | 15.4278% | 726 |
| Retained earnings to average equity (ytd only) | 2.3619% | 4,700 |
| Net charge-offs to loans | 0.0275% | 3,642 |
| Credit loss provision to net charge-offs | 571.4286% | 528 |
| Earnings coverage of net charge-offs (x) | 88.7143% | 610 |
| Efficiency ratio | 69.7368% | 3,702 |
| Assets per employee ($millions) | 4.0368% | 3,761 |
| Cash dividends to net income (ytd only)* | 84.6906% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 3,051 |
| Loan loss allowance to noncurrent loans | 72.7362% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.7031% | 1,920 |
| Noncurrent loans to loans | 2.0143% | 1,681 |
| Net loans and leases to total assets | 51.3000% | 4,821 |
| Net loans and leases to deposits | 56.3191% | 5,168 |
| Net loans and leases to core deposits | 59.9204% | 5,134 |
| Total domestic deposits to total assets | 91.0882% | 386 |
| Equity capital to assets | 8.8003% | 5,522 |
| Core capital (leverage) ratio | 9.2751% | 4,633 |
| Tier 1 risk-based capital ratio | 15.7829% | 3,203 |
| Total risk-based capital ratio | 17.0338% | 3,141 |
| Memoranda: | ||
| Average total assets | $97,030,330 | 4,751 |
| Average earning assets | $90,695,330 | 4,710 |
| Average equity | $7,959,670 | 5,279 |
| Average total loans | $50,876,000 | 4,861 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 2,475 |
| Cost of funding earning assets | 0.2916% | 5,158 |
| Net interest margin | 4.0206% | 1,683 |
| Noninterest income to average assets | 0.5767% | 2,875 |
| Noninterest expense to average assets | 3.0153% | 2,818 |
| Loan and lease loss provision to assets | 0.1236% | 1,951 |
| Net operating income to assets | 1.1864% | 1,524 |
| Return on assets (ROA) | 1.2152% | 1,501 |
| Pretax return on assets | 1.2152% | 2,419 |
| Return on Equity (ROE) | 15.3716% | 724 |
| Retained earnings to average equity (ytd only) | -0.2605% | 5,607 |
| Net charge-offs to loans | 0.0157% | 3,277 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 307 |
| Efficiency ratio | 69.7143% | 3,879 |
| Assets per employee ($millions) | 4.0478% | 3,827 |
| Cash dividends to net income (ytd only)* | 101.6949% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 3,396 |
| Loan loss allowance to noncurrent loans | 85.0521% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.7005% | 2,078 |
| Noncurrent loans to loans | 1.6976% | 2,287 |
| Net loans and leases to total assets | 51.5744% | 4,722 |
| Net loans and leases to deposits | 56.2128% | 5,098 |
| Net loans and leases to core deposits | 59.7702% | 5,059 |
| Total domestic deposits to total assets | 91.7486% | 316 |
| Equity capital to assets | 8.1649% | 5,933 |
| Core capital (leverage) ratio | 9.1285% | 4,824 |
| Tier 1 risk-based capital ratio | 15.2811% | 3,559 |
| Total risk-based capital ratio | 16.5313% | 3,509 |
| Memoranda: | ||
| Average total assets | $97,104,000 | 4,794 |
| Average earning assets | $90,534,000 | 4,763 |
| Average equity | $7,676,500 | 5,375 |
| Average total loans | $51,094,000 | 4,895 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 2,750 |
| Cost of funding earning assets | 0.3224% | 5,400 |
| Net interest margin | 4.0343% | 1,854 |
| Noninterest income to average assets | 0.5944% | 3,127 |
| Noninterest expense to average assets | 3.1416% | 2,617 |
| Loan and lease loss provision to assets | 0.1674% | 2,185 |
| Net operating income to assets | 1.0296% | 2,202 |
| Return on assets (ROA) | 1.3988% | 1,068 |
| Pretax return on assets | 1.3988% | 1,781 |
| Return on Equity (ROE) | 17.1868% | 492 |
| Retained earnings to average equity (ytd only) | 3.2778% | 3,898 |
| Net charge-offs to loans | 0.5447% | 1,216 |
| Credit loss provision to net charge-offs | 60.0000% | 3,562 |
| Earnings coverage of net charge-offs (x) | 4.2909% | 3,613 |
| Efficiency ratio | 72.4106% | 3,398 |
| Assets per employee ($millions) | 4.2200% | 3,411 |
| Cash dividends to net income (ytd only)* | 80.9282% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 3,771 |
| Loan loss allowance to noncurrent loans | 110.6583% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.6629% | 2,221 |
| Noncurrent loans to loans | 1.2424% | 3,060 |
| Net loans and leases to total assets | 52.1785% | 4,824 |
| Net loans and leases to deposits | 56.5487% | 5,252 |
| Net loans and leases to core deposits | 59.5389% | 5,254 |
| Total domestic deposits to total assets | 92.2719% | 241 |
| Equity capital to assets | 7.6457% | 6,211 |
| Core capital (leverage) ratio | 9.3282% | 4,508 |
| Tier 1 risk-based capital ratio | 14.8970% | 3,725 |
| Total risk-based capital ratio | 16.0685% | 3,719 |
| Memoranda: | ||
| Average total assets | $98,581,800 | 4,776 |
| Average earning assets | $91,490,600 | 4,733 |
| Average equity | $8,023,600 | 5,331 |
| Average total loans | $50,483,800 | 4,946 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 2,879 |
| Cost of funding earning assets | 0.3301% | 5,470 |
| Net interest margin | 3.9976% | 1,954 |
| Noninterest income to average assets | 0.5497% | 3,462 |
| Noninterest expense to average assets | 2.9600% | 3,110 |
| Loan and lease loss provision to assets | 0.1415% | 2,521 |
| Net operating income to assets | 1.1519% | 1,801 |
| Return on assets (ROA) | 1.6423% | 735 |
| Pretax return on assets | 1.6423% | 1,238 |
| Return on Equity (ROE) | 19.8830% | 306 |
| Retained earnings to average equity (ytd only) | 2.5282% | 4,803 |
| Net charge-offs to loans | 0.5597% | 1,132 |
| Credit loss provision to net charge-offs | 49.7630% | 3,508 |
| Earnings coverage of net charge-offs (x) | 4.5497% | 3,414 |
| Efficiency ratio | 69.5914% | 3,820 |
| Assets per employee ($millions) | 4.1811% | 3,465 |
| Cash dividends to net income (ytd only)* | 87.2847% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 3,936 |
| Loan loss allowance to noncurrent loans | 97.6616% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8177% | 2,250 |
| Noncurrent loans to loans | 1.4239% | 3,035 |
| Net loans and leases to total assets | 52.3543% | 4,831 |
| Net loans and leases to deposits | 57.9981% | 5,193 |
| Net loans and leases to core deposits | 61.1698% | 5,199 |
| Total domestic deposits to total assets | 90.2689% | 856 |
| Equity capital to assets | 7.5172% | 6,390 |
| Core capital (leverage) ratio | 9.0927% | 4,979 |
| Tier 1 risk-based capital ratio | 14.8286% | 3,859 |
| Total risk-based capital ratio | 16.0155% | 3,865 |
| Memoranda: | ||
| Average total assets | $98,962,000 | 4,807 |
| Average earning assets | $91,685,250 | 4,774 |
| Average equity | $8,174,250 | 5,343 |
| Average total loans | $50,267,000 | 4,988 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 3,137 |
| Cost of funding earning assets | 0.3349% | 5,526 |
| Net interest margin | 3.9198% | 2,148 |
| Noninterest income to average assets | 0.4545% | 4,132 |
| Noninterest expense to average assets | 2.9752% | 3,074 |
| Loan and lease loss provision to assets | 0.1201% | 2,818 |
| Net operating income to assets | 0.9911% | 2,369 |
| Return on assets (ROA) | 1.6918% | 689 |
| Pretax return on assets | 1.6918% | 1,133 |
| Return on Equity (ROE) | 19.9073% | 305 |
| Retained earnings to average equity (ytd only) | -1.3900% | 6,108 |
| Net charge-offs to loans | 0.2400% | 2,282 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,307 |
| Efficiency ratio | 72.8074% | 3,338 |
| Assets per employee ($millions) | 4.1230% | 3,529 |
| Cash dividends to net income (ytd only)* | 106.9822% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 3,288 |
| Loan loss allowance to noncurrent loans | 75.9070% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.7665% | 2,464 |
| Noncurrent loans to loans | 2.0657% | 2,317 |
| Net loans and leases to total assets | 51.7675% | 4,892 |
| Net loans and leases to deposits | 57.1529% | 5,233 |
| Net loans and leases to core deposits | 60.1734% | 5,250 |
| Total domestic deposits to total assets | 90.5772% | 717 |
| Equity capital to assets | 7.4804% | 6,448 |
| Core capital (leverage) ratio | 8.7794% | 5,317 |
| Tier 1 risk-based capital ratio | 14.1378% | 4,333 |
| Total risk-based capital ratio | 15.3890% | 4,290 |
| Memoranda: | ||
| Average total assets | $99,894,000 | 4,820 |
| Average earning assets | $92,555,330 | 4,787 |
| Average equity | $8,489,330 | 5,312 |
| Average total loans | $50,003,670 | 5,021 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 3,011 |
| Cost of funding earning assets | 0.3500% | 5,531 |
| Net interest margin | 3.9236% | 2,038 |
| Noninterest income to average assets | 0.3946% | 4,508 |
| Noninterest expense to average assets | 2.7579% | 3,842 |
| Loan and lease loss provision to assets | 0.1196% | 2,729 |
| Net operating income to assets | 1.1359% | 1,727 |
| Return on assets (ROA) | 2.1521% | 292 |
| Pretax return on assets | 2.1521% | 451 |
| Return on Equity (ROE) | 23.9123% | 144 |
| Retained earnings to average equity (ytd only) | 8.2365% | 1,669 |
| Net charge-offs to loans | 0.4818% | 1,242 |
| Credit loss provision to net charge-offs | 50.8475% | 2,584 |
| Earnings coverage of net charge-offs (x) | 5.3390% | 2,374 |
| Efficiency ratio | 68.7190% | 4,189 |
| Assets per employee ($millions) | 4.1374% | 3,654 |
| Cash dividends to net income (ytd only)* | 65.5556% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 3,409 |
| Loan loss allowance to noncurrent loans | 76.1122% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 2.0031% | 2,343 |
| Noncurrent loans to loans | 2.0992% | 2,506 |
| Net loans and leases to total assets | 48.8127% | 5,139 |
| Net loans and leases to deposits | 53.6434% | 5,462 |
| Net loans and leases to core deposits | 56.4517% | 5,481 |
| Total domestic deposits to total assets | 90.9948% | 521 |
| Equity capital to assets | 8.9408% | 5,566 |
| Core capital (leverage) ratio | 8.8304% | 5,139 |
| Tier 1 risk-based capital ratio | 15.3582% | 3,619 |
| Total risk-based capital ratio | 16.6092% | 3,571 |
| Memoranda: | ||
| Average total assets | $100,365,000 | 4,858 |
| Average earning assets | $92,568,000 | 4,833 |
| Average equity | $9,033,000 | 5,215 |
| Average total loans | $48,985,000 | 5,096 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7655% | 2,339 |
| Cost of funding earning assets | 0.5699% | 4,646 |
| Net interest margin | 4.1956% | 1,677 |
| Noninterest income to average assets | 0.5544% | 3,546 |
| Noninterest expense to average assets | 3.2025% | 2,606 |
| Loan and lease loss provision to assets | 0.1526% | 3,703 |
| Net operating income to assets | 1.0641% | 2,072 |
| Return on assets (ROA) | 1.2971% | 1,459 |
| Pretax return on assets | 1.2971% | 2,413 |
| Return on Equity (ROE) | 14.1626% | 964 |
| Retained earnings to average equity (ytd only) | 3.5879% | 3,685 |
| Net charge-offs to loans | 0.2807% | 3,259 |
| Credit loss provision to net charge-offs | 107.9137% | 2,740 |
| Earnings coverage of net charge-offs (x) | 8.6043% | 2,381 |
| Efficiency ratio | 72.4678% | 3,329 |
| Assets per employee ($millions) | 4.2263% | 3,500 |
| Cash dividends to net income (ytd only)* | 74.6667% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 3,025 |
| Loan loss allowance to noncurrent loans | 45.6887% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 2.6333% | 1,845 |
| Noncurrent loans to loans | 3.6664% | 1,330 |
| Net loans and leases to total assets | 47.2208% | 5,484 |
| Net loans and leases to deposits | 51.9558% | 5,810 |
| Net loans and leases to core deposits | 54.6158% | 5,834 |
| Total domestic deposits to total assets | 90.8865% | 535 |
| Equity capital to assets | 9.0583% | 5,455 |
| Core capital (leverage) ratio | 8.7225% | 5,292 |
| Tier 1 risk-based capital ratio | 14.4219% | 4,081 |
| Total risk-based capital ratio | 15.6731% | 4,035 |
| Memoranda: | ||
| Average total assets | $98,298,400 | 4,879 |
| Average earning assets | $90,547,000 | 4,856 |
| Average equity | $9,002,600 | 5,229 |
| Average total loans | $49,524,800 | 5,126 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 2,243 |
| Cost of funding earning assets | 0.5970% | 4,686 |
| Net interest margin | 4.2424% | 1,616 |
| Noninterest income to average assets | 0.5975% | 3,291 |
| Noninterest expense to average assets | 3.0231% | 3,160 |
| Loan and lease loss provision to assets | 0.1777% | 3,364 |
| Net operating income to assets | 1.3126% | 1,411 |
| Return on assets (ROA) | 1.5382% | 1,070 |
| Pretax return on assets | 1.5382% | 1,761 |
| Return on Equity (ROE) | 16.7476% | 635 |
| Retained earnings to average equity (ytd only) | 3.3198% | 4,535 |
| Net charge-offs to loans | 0.0965% | 4,418 |
| Credit loss provision to net charge-offs | 361.1111% | 742 |
| Earnings coverage of net charge-offs (x) | 30.2771% | 1,091 |
| Efficiency ratio | 66.9797% | 4,252 |
| Assets per employee ($millions) | 4.0862% | 3,710 |
| Cash dividends to net income (ytd only)* | 80.1781% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,832 |
| Loan loss allowance to noncurrent loans | 54.6837% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 2.5778% | 2,048 |
| Noncurrent loans to loans | 3.2683% | 1,685 |
| Net loans and leases to total assets | 50.3763% | 5,268 |
| Net loans and leases to deposits | 55.8150% | 5,649 |
| Net loans and leases to core deposits | 58.7949% | 5,678 |
| Total domestic deposits to total assets | 90.2557% | 699 |
| Equity capital to assets | 9.6657% | 4,966 |
| Core capital (leverage) ratio | 8.8821% | 5,216 |
| Tier 1 risk-based capital ratio | 14.5844% | 4,131 |
| Total risk-based capital ratio | 15.8373% | 4,095 |
| Memoranda: | ||
| Average total assets | $97,515,000 | 4,948 |
| Average earning assets | $90,009,750 | 4,912 |
| Average equity | $8,956,250 | 5,279 |
| Average total loans | $49,727,750 | 5,180 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 2,174 |
| Cost of funding earning assets | 0.6267% | 4,660 |
| Net interest margin | 4.2577% | 1,583 |
| Noninterest income to average assets | 0.6165% | 3,160 |
| Noninterest expense to average assets | 2.9898% | 3,292 |
| Loan and lease loss provision to assets | 0.2466% | 2,595 |
| Net operating income to assets | 1.3028% | 1,435 |
| Return on assets (ROA) | 1.5329% | 1,057 |
| Pretax return on assets | 1.5329% | 1,768 |
| Return on Equity (ROE) | 16.9893% | 634 |
| Retained earnings to average equity (ytd only) | 0.2050% | 5,975 |
| Net charge-offs to loans | 0.1736% | 3,561 |
| Credit loss provision to net charge-offs | 279.0698% | 1,053 |
| Earnings coverage of net charge-offs (x) | 17.5349% | 1,524 |
| Efficiency ratio | 65.8669% | 4,555 |
| Assets per employee ($millions) | 4.0889% | 3,686 |
| Cash dividends to net income (ytd only)* | 98.7936% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7652% | 2,969 |
| Loan loss allowance to noncurrent loans | 51.3687% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 2.7065% | 2,033 |
| Noncurrent loans to loans | 3.4364% | 1,680 |
| Net loans and leases to total assets | 50.0168% | 5,351 |
| Net loans and leases to deposits | 54.9968% | 5,771 |
| Net loans and leases to core deposits | 57.9027% | 5,783 |
| Total domestic deposits to total assets | 90.9449% | 467 |
| Equity capital to assets | 8.9746% | 5,724 |
| Core capital (leverage) ratio | 8.6197% | 5,490 |
| Tier 1 risk-based capital ratio | 14.0701% | 4,394 |
| Total risk-based capital ratio | 15.3229% | 4,355 |
| Memoranda: | ||
| Average total assets | $97,330,670 | 4,971 |
| Average earning assets | $89,673,330 | 4,948 |
| Average equity | $8,782,000 | 5,327 |
| Average total loans | $49,536,330 | 5,214 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 2,055 |
| Cost of funding earning assets | 0.6771% | 4,493 |
| Net interest margin | 4.2778% | 1,538 |
| Noninterest income to average assets | 0.7799% | 2,256 |
| Noninterest expense to average assets | 2.9960% | 3,264 |
| Loan and lease loss provision to assets | 0.1857% | 3,116 |
| Net operating income to assets | 1.5351% | 967 |
| Return on assets (ROA) | 1.9148% | 556 |
| Pretax return on assets | 1.9148% | 853 |
| Return on Equity (ROE) | 21.1643% | 308 |
| Retained earnings to average equity (ytd only) | 1.5508% | 5,465 |
| Net charge-offs to loans | -0.0568% | 6,579 |
| Credit loss provision to net charge-offs | -642.8571% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5171% | 5,016 |
| Assets per employee ($millions) | 4.0445% | 3,910 |
| Cash dividends to net income (ytd only)* | 92.6724% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 3,234 |
| Loan loss allowance to noncurrent loans | 43.7468% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 2.8629% | 2,040 |
| Noncurrent loans to loans | 3.9516% | 1,557 |
| Net loans and leases to total assets | 50.1890% | 5,278 |
| Net loans and leases to deposits | 55.2371% | 5,683 |
| Net loans and leases to core deposits | 58.1916% | 5,696 |
| Total domestic deposits to total assets | 90.8611% | 616 |
| Equity capital to assets | 9.0245% | 5,452 |
| Core capital (leverage) ratio | 8.5748% | 5,470 |
| Tier 1 risk-based capital ratio | 14.2772% | 4,257 |
| Total risk-based capital ratio | 15.5294% | 4,229 |
| Memoranda: | ||
| Average total assets | $96,929,500 | 5,020 |
| Average earning assets | $89,204,000 | 4,989 |
| Average equity | $8,769,500 | 5,343 |
| Average total loans | $49,322,000 | 5,251 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 2,404 |
| Cost of funding earning assets | 0.7569% | 5,161 |
| Net interest margin | 4.3557% | 1,528 |
| Noninterest income to average assets | 0.8451% | 1,867 |
| Noninterest expense to average assets | 3.4595% | 2,094 |
| Loan and lease loss provision to assets | 0.1625% | 4,599 |
| Net operating income to assets | 1.2698% | 1,326 |
| Return on assets (ROA) | 1.6100% | 708 |
| Pretax return on assets | 1.6100% | 1,180 |
| Return on Equity (ROE) | 18.3861% | 356 |
| Retained earnings to average equity (ytd only) | 7.9805% | 1,089 |
| Net charge-offs to loans | 0.2727% | 4,063 |
| Credit loss provision to net charge-offs | 111.1111% | 2,998 |
| Earnings coverage of net charge-offs (x) | 9.7926% | 1,934 |
| Efficiency ratio | 70.7198% | 3,821 |
| Assets per employee ($millions) | 3.8716% | 4,157 |
| Cash dividends to net income (ytd only)* | 56.5949% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 3,415 |
| Loan loss allowance to noncurrent loans | 41.2821% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 3.0995% | 1,931 |
| Noncurrent loans to loans | 3.9740% | 1,573 |
| Net loans and leases to total assets | 49.8647% | 5,601 |
| Net loans and leases to deposits | 54.8660% | 5,991 |
| Net loans and leases to core deposits | 58.1648% | 5,989 |
| Total domestic deposits to total assets | 90.8844% | 548 |
| Equity capital to assets | 9.0702% | 5,465 |
| Core capital (leverage) ratio | 8.6914% | 5,267 |
| Tier 1 risk-based capital ratio | 14.7069% | 3,827 |
| Total risk-based capital ratio | 15.9583% | 3,802 |
| Memoranda: | ||
| Average total assets | $92,297,200 | 5,122 |
| Average earning assets | $85,750,000 | 5,061 |
| Average equity | $8,082,200 | 5,547 |
| Average total loans | $49,505,800 | 5,280 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 2,267 |
| Cost of funding earning assets | 0.7662% | 5,358 |
| Net interest margin | 4.4181% | 1,356 |
| Noninterest income to average assets | 0.8774% | 1,730 |
| Noninterest expense to average assets | 3.3517% | 2,346 |
| Loan and lease loss provision to assets | 0.1462% | 4,618 |
| Net operating income to assets | 1.4945% | 951 |
| Return on assets (ROA) | 1.9289% | 435 |
| Pretax return on assets | 1.9289% | 732 |
| Return on Equity (ROE) | 22.2385% | 210 |
| Retained earnings to average equity (ytd only) | 8.0592% | 1,490 |
| Net charge-offs to loans | 0.2392% | 3,928 |
| Credit loss provision to net charge-offs | 112.3596% | 2,910 |
| Earnings coverage of net charge-offs (x) | 12.6071% | 1,689 |
| Efficiency ratio | 67.1353% | 4,496 |
| Assets per employee ($millions) | 3.8614% | 4,164 |
| Cash dividends to net income (ytd only)* | 63.7608% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 3,517 |
| Loan loss allowance to noncurrent loans | 52.2505% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.4530% | 2,625 |
| Noncurrent loans to loans | 3.1237% | 2,227 |
| Net loans and leases to total assets | 50.0093% | 5,703 |
| Net loans and leases to deposits | 55.0066% | 6,121 |
| Net loans and leases to core deposits | 58.3163% | 6,104 |
| Total domestic deposits to total assets | 90.9151% | 462 |
| Equity capital to assets | 8.9958% | 5,764 |
| Core capital (leverage) ratio | 8.9374% | 5,034 |
| Tier 1 risk-based capital ratio | 14.4258% | 4,035 |
| Total risk-based capital ratio | 15.6781% | 3,995 |
| Memoranda: | ||
| Average total assets | $91,174,000 | 5,195 |
| Average earning assets | $84,920,750 | 5,126 |
| Average equity | $7,908,000 | 5,629 |
| Average total loans | $49,615,000 | 5,322 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 1,950 |
| Cost of funding earning assets | 0.7934% | 5,421 |
| Net interest margin | 4.4861% | 1,171 |
| Noninterest income to average assets | 0.8547% | 1,786 |
| Noninterest expense to average assets | 3.4636% | 2,082 |
| Loan and lease loss provision to assets | 0.1342% | 4,621 |
| Net operating income to assets | 1.4320% | 1,016 |
| Return on assets (ROA) | 1.9041% | 439 |
| Pretax return on assets | 1.9041% | 706 |
| Return on Equity (ROE) | 22.2503% | 227 |
| Retained earnings to average equity (ytd only) | 3.6866% | 3,873 |
| Net charge-offs to loans | 0.1165% | 4,536 |
| Credit loss provision to net charge-offs | 206.8966% | 1,453 |
| Earnings coverage of net charge-offs (x) | 24.1379% | 1,071 |
| Efficiency ratio | 68.8612% | 4,352 |
| Assets per employee ($millions) | 3.5652% | 4,774 |
| Cash dividends to net income (ytd only)* | 83.4313% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 3,436 |
| Loan loss allowance to noncurrent loans | 48.5225% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 2.8037% | 2,391 |
| Noncurrent loans to loans | 3.4322% | 2,063 |
| Net loans and leases to total assets | 54.3885% | 5,238 |
| Net loans and leases to deposits | 59.8038% | 5,745 |
| Net loans and leases to core deposits | 63.9386% | 5,727 |
| Total domestic deposits to total assets | 90.9448% | 518 |
| Equity capital to assets | 8.9778% | 5,610 |
| Core capital (leverage) ratio | 8.7586% | 5,120 |
| Tier 1 risk-based capital ratio | 14.2632% | 3,967 |
| Total risk-based capital ratio | 15.5165% | 3,941 |
| Memoranda: | ||
| Average total assets | $89,387,330 | 5,278 |
| Average earning assets | $83,190,670 | 5,224 |
| Average equity | $7,649,330 | 5,721 |
| Average total loans | $49,794,330 | 5,364 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 2,184 |
| Cost of funding earning assets | 0.8253% | 5,428 |
| Net interest margin | 4.3857% | 1,321 |
| Noninterest income to average assets | 0.8222% | 1,948 |
| Noninterest expense to average assets | 3.3201% | 2,495 |
| Loan and lease loss provision to assets | 0.1341% | 4,330 |
| Net operating income to assets | 1.4523% | 984 |
| Return on assets (ROA) | 1.7472% | 566 |
| Pretax return on assets | 1.7472% | 899 |
| Return on Equity (ROE) | 20.9287% | 297 |
| Retained earnings to average equity (ytd only) | -0.7494% | 5,933 |
| Net charge-offs to loans | 0.1679% | 3,469 |
| Credit loss provision to net charge-offs | 142.8571% | 1,972 |
| Earnings coverage of net charge-offs (x) | 16.9048% | 1,244 |
| Efficiency ratio | 67.6685% | 4,721 |
| Assets per employee ($millions) | 3.5984% | 4,757 |
| Cash dividends to net income (ytd only)* | 103.5806% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 3,636 |
| Loan loss allowance to noncurrent loans | 66.9179% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.2354% | 3,019 |
| Noncurrent loans to loans | 2.4266% | 3,067 |
| Net loans and leases to total assets | 53.8066% | 5,329 |
| Net loans and leases to deposits | 58.8597% | 5,843 |
| Net loans and leases to core deposits | 63.0791% | 5,819 |
| Total domestic deposits to total assets | 91.4152% | 438 |
| Equity capital to assets | 8.5270% | 5,869 |
| Core capital (leverage) ratio | 8.5947% | 5,273 |
| Tier 1 risk-based capital ratio | 14.0065% | 4,064 |
| Total risk-based capital ratio | 15.2582% | 4,047 |
| Memoranda: | ||
| Average total assets | $89,515,500 | 5,307 |
| Average earning assets | $83,361,500 | 5,257 |
| Average equity | $7,473,000 | 5,783 |
| Average total loans | $50,042,500 | 5,388 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5497% | 2,083 |
| Cost of funding earning assets | 1.0756% | 5,281 |
| Net interest margin | 4.4741% | 1,287 |
| Noninterest income to average assets | 0.7452% | 2,563 |
| Noninterest expense to average assets | 3.5756% | 1,987 |
| Loan and lease loss provision to assets | 0.1319% | 5,855 |
| Net operating income to assets | 1.1937% | 1,429 |
| Return on assets (ROA) | 1.4311% | 953 |
| Pretax return on assets | 1.4311% | 1,560 |
| Return on Equity (ROE) | 17.4995% | 430 |
| Retained earnings to average equity (ytd only) | 7.8896% | 1,017 |
| Net charge-offs to loans | 0.1110% | 5,767 |
| Credit loss provision to net charge-offs | 206.8966% | 1,492 |
| Earnings coverage of net charge-offs (x) | 20.7931% | 987 |
| Efficiency ratio | 72.9536% | 3,603 |
| Assets per employee ($millions) | 3.5628% | 4,794 |
| Cash dividends to net income (ytd only)* | 54.9155% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 3,775 |
| Loan loss allowance to noncurrent loans | 56.2366% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.0972% | 3,226 |
| Noncurrent loans to loans | 2.7574% | 2,761 |
| Net loans and leases to total assets | 56.2389% | 5,304 |
| Net loans and leases to deposits | 61.2679% | 5,927 |
| Net loans and leases to core deposits | 65.6746% | 5,908 |
| Total domestic deposits to total assets | 91.7918% | 328 |
| Equity capital to assets | 8.1677% | 6,299 |
| Core capital (leverage) ratio | 8.5755% | 5,230 |
| Tier 1 risk-based capital ratio | 13.7243% | 4,040 |
| Total risk-based capital ratio | 14.9770% | 4,018 |
| Memoranda: | ||
| Average total assets | $90,978,600 | 5,257 |
| Average earning assets | $84,508,600 | 5,200 |
| Average equity | $7,440,200 | 5,894 |
| Average total loans | $52,237,800 | 5,396 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5913% | 2,095 |
| Cost of funding earning assets | 1.1330% | 5,234 |
| Net interest margin | 4.4583% | 1,348 |
| Noninterest income to average assets | 0.7770% | 2,342 |
| Noninterest expense to average assets | 3.3895% | 2,326 |
| Loan and lease loss provision to assets | 0.1749% | 5,292 |
| Net operating income to assets | 1.3485% | 1,227 |
| Return on assets (ROA) | 1.5920% | 828 |
| Pretax return on assets | 1.5920% | 1,365 |
| Return on Equity (ROE) | 19.4608% | 345 |
| Retained earnings to average equity (ytd only) | 7.4315% | 1,626 |
| Net charge-offs to loans | 0.2130% | 4,662 |
| Credit loss provision to net charge-offs | 142.8571% | 2,754 |
| Earnings coverage of net charge-offs (x) | 12.4402% | 1,684 |
| Efficiency ratio | 68.9911% | 4,265 |
| Assets per employee ($millions) | 3.6322% | 4,657 |
| Cash dividends to net income (ytd only)* | 61.8135% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 4,272 |
| Loan loss allowance to noncurrent loans | 52.4365% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 2.1552% | 3,262 |
| Noncurrent loans to loans | 2.7420% | 2,895 |
| Net loans and leases to total assets | 57.6759% | 5,304 |
| Net loans and leases to deposits | 63.2298% | 6,001 |
| Net loans and leases to core deposits | 67.6964% | 5,976 |
| Total domestic deposits to total assets | 91.2162% | 378 |
| Equity capital to assets | 8.6791% | 6,057 |
| Core capital (leverage) ratio | 8.4865% | 5,539 |
| Tier 1 risk-based capital ratio | 13.0227% | 4,564 |
| Total risk-based capital ratio | 14.2739% | 4,537 |
| Memoranda: | ||
| Average total assets | $91,455,750 | 5,311 |
| Average earning assets | $84,843,750 | 5,243 |
| Average equity | $7,481,500 | 5,952 |
| Average total loans | $52,577,000 | 5,461 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6448% | 1,962 |
| Cost of funding earning assets | 1.2042% | 5,106 |
| Net interest margin | 4.4406% | 1,343 |
| Noninterest income to average assets | 0.7854% | 2,206 |
| Noninterest expense to average assets | 3.4274% | 2,199 |
| Loan and lease loss provision to assets | 0.1964% | 4,902 |
| Net operating income to assets | 1.2806% | 1,354 |
| Return on assets (ROA) | 1.3788% | 1,198 |
| Pretax return on assets | 1.3788% | 1,890 |
| Return on Equity (ROE) | 17.2012% | 551 |
| Retained earnings to average equity (ytd only) | 1.8235% | 4,956 |
| Net charge-offs to loans | 0.2367% | 4,184 |
| Credit loss provision to net charge-offs | 145.1613% | 2,738 |
| Earnings coverage of net charge-offs (x) | 10.9194% | 1,824 |
| Efficiency ratio | 69.8843% | 4,209 |
| Assets per employee ($millions) | 3.7745% | 4,284 |
| Cash dividends to net income (ytd only)* | 89.3987% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 4,303 |
| Loan loss allowance to noncurrent loans | 56.1247% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 2.2718% | 3,166 |
| Noncurrent loans to loans | 2.5422% | 3,116 |
| Net loans and leases to total assets | 57.6573% | 5,465 |
| Net loans and leases to deposits | 63.0173% | 6,139 |
| Net loans and leases to core deposits | 68.6226% | 6,007 |
| Total domestic deposits to total assets | 91.4944% | 328 |
| Equity capital to assets | 8.4085% | 6,289 |
| Core capital (leverage) ratio | 7.7929% | 6,507 |
| Tier 1 risk-based capital ratio | 12.2906% | 5,045 |
| Total risk-based capital ratio | 13.5407% | 5,021 |
| Memoranda: | ||
| Average total assets | $91,673,000 | 5,334 |
| Average earning assets | $85,034,330 | 5,262 |
| Average equity | $7,348,330 | 6,014 |
| Average total loans | $52,390,670 | 5,496 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 1,825 |
| Cost of funding earning assets | 1.2860% | 4,900 |
| Net interest margin | 4.4005% | 1,390 |
| Noninterest income to average assets | 0.8285% | 1,890 |
| Noninterest expense to average assets | 3.4224% | 2,173 |
| Loan and lease loss provision to assets | 0.2603% | 3,955 |
| Net operating income to assets | 1.2276% | 1,469 |
| Return on assets (ROA) | 1.2536% | 1,470 |
| Pretax return on assets | 1.2536% | 2,198 |
| Return on Equity (ROE) | 16.0244% | 714 |
| Retained earnings to average equity (ytd only) | -4.7685% | 6,570 |
| Net charge-offs to loans | 0.7909% | 1,942 |
| Credit loss provision to net charge-offs | 58.2524% | 4,335 |
| Earnings coverage of net charge-offs (x) | 3.3301% | 2,943 |
| Efficiency ratio | 69.6996% | 4,370 |
| Assets per employee ($millions) | 3.8738% | 4,158 |
| Cash dividends to net income (ytd only)* | 129.7578% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,869 |
| Loan loss allowance to noncurrent loans | 50.0732% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.2340% | 3,232 |
| Noncurrent loans to loans | 2.6200% | 3,044 |
| Net loans and leases to total assets | 55.3435% | 5,837 |
| Net loans and leases to deposits | 60.0243% | 6,466 |
| Net loans and leases to core deposits | 65.8434% | 6,295 |
| Total domestic deposits to total assets | 92.2020% | 206 |
| Equity capital to assets | 7.7281% | 6,905 |
| Core capital (leverage) ratio | 7.6781% | 6,648 |
| Tier 1 risk-based capital ratio | 12.0768% | 5,111 |
| Total risk-based capital ratio | 13.2447% | 5,160 |
| Memoranda: | ||
| Average total assets | $92,216,000 | 5,379 |
| Average earning assets | $85,536,500 | 5,320 |
| Average equity | $7,214,000 | 6,108 |
| Average total loans | $52,093,000 | 5,578 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1882% | 1,261 |
| Cost of funding earning assets | 1.6526% | 4,781 |
| Net interest margin | 4.5356% | 1,106 |
| Noninterest income to average assets | 0.7895% | 2,460 |
| Noninterest expense to average assets | 3.5887% | 2,176 |
| Loan and lease loss provision to assets | 0.3784% | 4,518 |
| Net operating income to assets | 0.9991% | 1,847 |
| Return on assets (ROA) | 1.1714% | 1,366 |
| Pretax return on assets | 1.1714% | 2,031 |
| Return on Equity (ROE) | 14.4279% | 721 |
| Retained earnings to average equity (ytd only) | 2.5385% | 3,374 |
| Net charge-offs to loans | 0.4505% | 3,983 |
| Credit loss provision to net charge-offs | 140.0862% | 3,479 |
| Earnings coverage of net charge-offs (x) | 5.0991% | 2,687 |
| Efficiency ratio | 72.2626% | 4,224 |
| Assets per employee ($millions) | 3.8108% | 4,266 |
| Cash dividends to net income (ytd only)* | 82.4056% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 4,246 |
| Loan loss allowance to noncurrent loans | 68.4211% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.9407% | 3,466 |
| Noncurrent loans to loans | 2.0443% | 3,597 |
| Net loans and leases to total assets | 56.1120% | 5,934 |
| Net loans and leases to deposits | 60.9740% | 6,563 |
| Net loans and leases to core deposits | 82.6515% | 5,855 |
| Total domestic deposits to total assets | 92.0260% | 263 |
| Equity capital to assets | 7.9193% | 6,654 |
| Core capital (leverage) ratio | 7.9842% | 6,221 |
| Tier 1 risk-based capital ratio | 12.1512% | 4,817 |
| Total risk-based capital ratio | 13.3867% | 4,789 |
| Memoranda: | ||
| Average total assets | $85,880,800 | 5,527 |
| Average earning assets | $79,085,400 | 5,487 |
| Average equity | $6,972,600 | 6,281 |
| Average total loans | $51,501,800 | 5,608 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2784% | 1,181 |
| Cost of funding earning assets | 1.7218% | 4,794 |
| Net interest margin | 4.5566% | 1,066 |
| Noninterest income to average assets | 0.8048% | 2,402 |
| Noninterest expense to average assets | 3.3693% | 2,668 |
| Loan and lease loss provision to assets | 0.2367% | 5,074 |
| Net operating income to assets | 1.3919% | 1,052 |
| Return on assets (ROA) | 1.6223% | 687 |
| Pretax return on assets | 1.6223% | 1,132 |
| Return on Equity (ROE) | 19.8498% | 322 |
| Retained earnings to average equity (ytd only) | 4.0743% | 2,999 |
| Net charge-offs to loans | 0.1791% | 4,959 |
| Credit loss provision to net charge-offs | 217.3913% | 2,016 |
| Earnings coverage of net charge-offs (x) | 14.9562% | 1,561 |
| Efficiency ratio | 67.4140% | 5,093 |
| Assets per employee ($millions) | 3.7712% | 4,256 |
| Cash dividends to net income (ytd only)* | 79.4751% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 4,314 |
| Loan loss allowance to noncurrent loans | 53.1552% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.9288% | 3,459 |
| Noncurrent loans to loans | 2.5030% | 3,008 |
| Net loans and leases to total assets | 61.2188% | 5,376 |
| Net loans and leases to deposits | 67.0514% | 6,205 |
| Net loans and leases to core deposits | 94.0872% | 5,003 |
| Total domestic deposits to total assets | 91.3014% | 302 |
| Equity capital to assets | 8.6018% | 6,114 |
| Core capital (leverage) ratio | 8.4327% | 5,610 |
| Tier 1 risk-based capital ratio | 12.3881% | 4,641 |
| Total risk-based capital ratio | 13.6209% | 4,601 |
| Memoranda: | ||
| Average total assets | $84,486,000 | 5,606 |
| Average earning assets | $77,746,250 | 5,566 |
| Average equity | $6,905,000 | 6,350 |
| Average total loans | $51,365,250 | 5,653 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3303% | 1,139 |
| Cost of funding earning assets | 1.7897% | 4,809 |
| Net interest margin | 4.5406% | 1,073 |
| Noninterest income to average assets | 0.7715% | 2,581 |
| Noninterest expense to average assets | 3.3821% | 2,683 |
| Loan and lease loss provision to assets | 0.1911% | 5,132 |
| Net operating income to assets | 1.3614% | 1,099 |
| Return on assets (ROA) | 1.5095% | 875 |
| Pretax return on assets | 1.5095% | 1,420 |
| Return on Equity (ROE) | 18.8104% | 416 |
| Retained earnings to average equity (ytd only) | -2.5299% | 5,871 |
| Net charge-offs to loans | 0.1780% | 4,461 |
| Credit loss provision to net charge-offs | 177.7778% | 2,579 |
| Earnings coverage of net charge-offs (x) | 14.4444% | 1,653 |
| Efficiency ratio | 68.5382% | 5,059 |
| Assets per employee ($millions) | 3.7142% | 4,288 |
| Cash dividends to net income (ytd only)* | 113.4494% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 4,406 |
| Loan loss allowance to noncurrent loans | 69.5742% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6060% | 3,809 |
| Noncurrent loans to loans | 1.8370% | 3,753 |
| Net loans and leases to total assets | 60.5815% | 5,586 |
| Net loans and leases to deposits | 65.8511% | 6,408 |
| Net loans and leases to core deposits | 90.1306% | 5,524 |
| Total domestic deposits to total assets | 91.9978% | 214 |
| Equity capital to assets | 7.8289% | 6,943 |
| Core capital (leverage) ratio | 7.9059% | 6,482 |
| Tier 1 risk-based capital ratio | 11.9711% | 4,948 |
| Total risk-based capital ratio | 13.1339% | 4,924 |
| Memoranda: | ||
| Average total assets | $83,735,330 | 5,666 |
| Average earning assets | $76,773,330 | 5,643 |
| Average equity | $6,719,670 | 6,460 |
| Average total loans | $50,548,330 | 5,746 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3087% | 1,275 |
| Cost of funding earning assets | 1.8319% | 4,964 |
| Net interest margin | 4.4768% | 1,183 |
| Noninterest income to average assets | 0.7625% | 2,526 |
| Noninterest expense to average assets | 3.3539% | 2,486 |
| Loan and lease loss provision to assets | 0.1448% | 5,096 |
| Net operating income to assets | 1.3560% | 1,248 |
| Return on assets (ROA) | 1.4815% | 1,042 |
| Pretax return on assets | 1.4815% | 1,723 |
| Return on Equity (ROE) | 18.2318% | 574 |
| Retained earnings to average equity (ytd only) | -13.3620% | 7,349 |
| Net charge-offs to loans | 0.0806% | 4,363 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 31.1000% | 1,025 |
| Efficiency ratio | 69.0855% | 4,761 |
| Assets per employee ($millions) | 3.7447% | 4,246 |
| Cash dividends to net income (ytd only)* | 173.2899% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 4,019 |
| Loan loss allowance to noncurrent loans | 97.6155% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.2540% | 4,166 |
| Noncurrent loans to loans | 1.3421% | 4,304 |
| Net loans and leases to total assets | 57.2887% | 6,054 |
| Net loans and leases to deposits | 62.1619% | 6,726 |
| Net loans and leases to core deposits | 86.2077% | 5,884 |
| Total domestic deposits to total assets | 92.1604% | 160 |
| Equity capital to assets | 7.7246% | 7,156 |
| Core capital (leverage) ratio | 8.1316% | 6,225 |
| Tier 1 risk-based capital ratio | 12.2043% | 4,788 |
| Total risk-based capital ratio | 13.3871% | 4,733 |
| Memoranda: | ||
| Average total assets | $82,889,500 | 5,709 |
| Average earning assets | $75,768,500 | 5,706 |
| Average equity | $6,735,500 | 6,503 |
| Average total loans | $49,611,000 | 5,816 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0887% | 936 |
| Cost of funding earning assets | 2.4859% | 4,280 |
| Net interest margin | 4.6028% | 1,169 |
| Noninterest income to average assets | 0.8362% | 2,316 |
| Noninterest expense to average assets | 3.5409% | 2,287 |
| Loan and lease loss provision to assets | 0.3014% | 3,962 |
| Net operating income to assets | 1.1850% | 1,827 |
| Return on assets (ROA) | 1.3222% | 1,371 |
| Pretax return on assets | 1.3222% | 2,229 |
| Return on Equity (ROE) | 16.6113% | 683 |
| Retained earnings to average equity (ytd only) | 13.7595% | 131 |
| Net charge-offs to loans | 0.4218% | 2,709 |
| Credit loss provision to net charge-offs | 107.7982% | 4,982 |
| Earnings coverage of net charge-offs (x) | 5.3165% | 3,687 |
| Efficiency ratio | 70.4337% | 4,262 |
| Assets per employee ($millions) | 3.4631% | 4,769 |
| Cash dividends to net income (ytd only)* | 17.1678% | 4,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 3,854 |
| Loan loss allowance to noncurrent loans | 453.5714% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 5,157 |
| Noncurrent loans to loans | 0.2844% | 6,519 |
| Net loans and leases to total assets | 61.0041% | 5,769 |
| Net loans and leases to deposits | 66.7817% | 6,585 |
| Net loans and leases to core deposits | 88.7799% | 5,912 |
| Total domestic deposits to total assets | 91.3486% | 236 |
| Equity capital to assets | 8.5597% | 5,995 |
| Core capital (leverage) ratio | 8.9962% | 4,746 |
| Tier 1 risk-based capital ratio | 13.1232% | 4,049 |
| Total risk-based capital ratio | 14.3097% | 3,986 |
| Memoranda: | ||
| Average total assets | $77,974,000 | 5,768 |
| Average earning assets | $71,000,400 | 5,779 |
| Average equity | $6,206,600 | 6,733 |
| Average total loans | $51,679,400 | 5,633 |