Home > First State Bank of Campbell Hill > Performance and Condition Ratios
First State Bank of Campbell Hill, 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 | 5.1651% | 2,799 |
| Cost of funding earning assets | 1.2933% | 3,607 |
| Net interest margin | 3.8718% | 1,524 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 2.0561% | 3,439 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.4926% | 1,110 |
| Return on assets (ROA) | 1.4926% | 1,105 |
| Pretax return on assets | 2.0035% | 692 |
| Return on Equity (ROE) | 12.7800% | 1,542 |
| Retained earnings to average equity (ytd only) | 12.7839% | 656 |
| Net charge-offs to loans | 0.0039% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 804.0000% | 127 |
| Efficiency ratio | 50.5231% | 3,858 |
| Assets per employee ($millions) | 5.5166% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 3,624 |
| Loan loss allowance to noncurrent loans | 512.5000% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 2,611 |
| Noncurrent loans to loans | 0.1743% | 2,868 |
| Net loans and leases to total assets | 65.4000% | 2,346 |
| Net loans and leases to deposits | 75.3140% | 2,457 |
| Net loans and leases to core deposits | 78.6692% | 2,767 |
| Total domestic deposits to total assets | 86.8400% | 1,988 |
| Equity capital to assets | 11.9332% | 1,259 |
| Core capital (leverage) ratio | 13.1700% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3246% | 497 |
| Memoranda: | ||
| Average total assets | $159,722,500 | 3,296 |
| Average earning assets | $150,007,500 | 3,275 |
| Average equity | $18,648,500 | 3,099 |
| Average total loans | $102,795,000 | 3,193 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 3,140 |
| Cost of funding earning assets | 1.2849% | 3,690 |
| Net interest margin | 3.6897% | 1,709 |
| Noninterest income to average assets | 0.4500% | 2,176 |
| Noninterest expense to average assets | 2.1425% | 3,277 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.2706% | 1,356 |
| Return on assets (ROA) | 1.2706% | 1,363 |
| Pretax return on assets | 1.6966% | 974 |
| Return on Equity (ROE) | 11.2700% | 1,803 |
| Retained earnings to average equity (ytd only) | 6.9050% | 1,461 |
| Net charge-offs to loans | 0.0251% | 2,070 |
| Credit loss provision to net charge-offs | 140.0000% | 1,481 |
| Earnings coverage of net charge-offs (x) | 107.6400% | 775 |
| Efficiency ratio | 55.4839% | 3,608 |
| Assets per employee ($millions) | 5.1440% | 3,537 |
| Cash dividends to net income (ytd only)* | 38.7129% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 3,489 |
| Loan loss allowance to noncurrent loans | 399.5763% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 2,643 |
| Noncurrent loans to loans | 0.2360% | 2,570 |
| Net loans and leases to total assets | 62.1300% | 2,753 |
| Net loans and leases to deposits | 72.6125% | 2,754 |
| Net loans and leases to core deposits | 75.8897% | 3,049 |
| Total domestic deposits to total assets | 85.5600% | 2,350 |
| Equity capital to assets | 11.4171% | 1,410 |
| Core capital (leverage) ratio | 12.7729% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5243% | 497 |
| Memoranda: | ||
| Average total assets | $156,544,800 | 3,303 |
| Average earning assets | $144,835,400 | 3,306 |
| Average equity | $17,653,800 | 3,127 |
| Average total loans | $99,456,600 | 3,212 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 3,130 |
| Cost of funding earning assets | 1.2832% | 3,699 |
| Net interest margin | 3.6558% | 1,729 |
| Noninterest income to average assets | 0.4500% | 2,130 |
| Noninterest expense to average assets | 2.0990% | 3,335 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.2707% | 1,376 |
| Return on assets (ROA) | 1.2707% | 1,369 |
| Pretax return on assets | 1.6968% | 1,022 |
| Return on Equity (ROE) | 11.3000% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.5426% | 737 |
| Net charge-offs to loans | 0.0362% | 1,613 |
| Credit loss provision to net charge-offs | 129.6296% | 1,421 |
| Earnings coverage of net charge-offs (x) | 74.7407% | 968 |
| Efficiency ratio | 54.8647% | 3,651 |
| Assets per employee ($millions) | 4.8458% | 3,742 |
| Cash dividends to net income (ytd only)* | 6.7340% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 3,563 |
| Loan loss allowance to noncurrent loans | 424.3243% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,712 |
| Noncurrent loans to loans | 0.2198% | 2,655 |
| Net loans and leases to total assets | 62.5800% | 2,672 |
| Net loans and leases to deposits | 73.3652% | 2,722 |
| Net loans and leases to core deposits | 79.2959% | 2,862 |
| Total domestic deposits to total assets | 85.3000% | 2,201 |
| Equity capital to assets | 11.7270% | 1,387 |
| Core capital (leverage) ratio | 13.0213% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0217% | 532 |
| Memoranda: | ||
| Average total assets | $155,815,250 | 3,310 |
| Average earning assets | $143,696,000 | 3,313 |
| Average equity | $17,515,750 | 3,139 |
| Average total loans | $99,316,500 | 3,220 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 3,102 |
| Cost of funding earning assets | 1.2616% | 3,689 |
| Net interest margin | 3.6506% | 1,695 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 2.1017% | 3,315 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.2470% | 1,370 |
| Return on assets (ROA) | 1.2470% | 1,372 |
| Pretax return on assets | 1.6640% | 1,037 |
| Return on Equity (ROE) | 11.2600% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.0916% | 855 |
| Net charge-offs to loans | 0.0527% | 1,262 |
| Credit loss provision to net charge-offs | 134.6154% | 1,280 |
| Earnings coverage of net charge-offs (x) | 50.7692% | 1,106 |
| Efficiency ratio | 55.1478% | 3,649 |
| Assets per employee ($millions) | 4.5670% | 3,885 |
| Cash dividends to net income (ytd only)* | 10.3842% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,553 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 2,013 |
| Noncurrent loans to loans | 0.3270% | 2,214 |
| Net loans and leases to total assets | 63.9900% | 2,568 |
| Net loans and leases to deposits | 74.6621% | 2,654 |
| Net loans and leases to core deposits | 80.0593% | 2,808 |
| Total domestic deposits to total assets | 85.7100% | 2,072 |
| Equity capital to assets | 11.2971% | 1,425 |
| Core capital (leverage) ratio | 12.7515% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7097% | 551 |
| Memoranda: | ||
| Average total assets | $154,449,333 | 3,330 |
| Average earning assets | $141,564,000 | 3,336 |
| Average equity | $17,103,333 | 3,149 |
| Average total loans | $98,750,333 | 3,228 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 3,151 |
| Cost of funding earning assets | 1.2453% | 3,651 |
| Net interest margin | 3.5546% | 1,799 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.0593% | 3,429 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 1.1971% | 1,448 |
| Return on assets (ROA) | 1.1971% | 1,450 |
| Pretax return on assets | 1.6126% | 1,079 |
| Return on Equity (ROE) | 10.9200% | 1,875 |
| Retained earnings to average equity (ytd only) | 10.9216% | 926 |
| Net charge-offs to loans | 0.0980% | 733 |
| Credit loss provision to net charge-offs | 145.8333% | 955 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,207 |
| Efficiency ratio | 54.7274% | 3,706 |
| Assets per employee ($millions) | 4.5326% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,445 |
| Loan loss allowance to noncurrent loans | 883.1776% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 2,314 |
| Noncurrent loans to loans | 0.1097% | 3,066 |
| Net loans and leases to total assets | 62.6500% | 2,600 |
| Net loans and leases to deposits | 72.9960% | 2,678 |
| Net loans and leases to core deposits | 77.7245% | 2,872 |
| Total domestic deposits to total assets | 85.8300% | 2,151 |
| Equity capital to assets | 11.0586% | 1,478 |
| Core capital (leverage) ratio | 12.7258% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7328% | 555 |
| Memoranda: | ||
| Average total assets | $154,034,500 | 3,342 |
| Average earning assets | $141,336,500 | 3,353 |
| Average equity | $16,884,000 | 3,178 |
| Average total loans | $97,972,000 | 3,241 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 3,165 |
| Cost of funding earning assets | 0.9573% | 3,391 |
| Net interest margin | 3.5041% | 2,169 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.0551% | 3,504 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1153% | 1,879 |
| Return on assets (ROA) | 1.1153% | 1,853 |
| Pretax return on assets | 1.4958% | 1,432 |
| Return on Equity (ROE) | 10.9300% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.7301% | 1,083 |
| Net charge-offs to loans | 0.0241% | 1,833 |
| Credit loss provision to net charge-offs | 565.2174% | 618 |
| Earnings coverage of net charge-offs (x) | 105.1304% | 880 |
| Efficiency ratio | 56.3065% | 3,468 |
| Assets per employee ($millions) | 5.1321% | 3,535 |
| Cash dividends to net income (ytd only)* | 10.9403% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 3,543 |
| Loan loss allowance to noncurrent loans | 379.6748% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,280 |
| Noncurrent loans to loans | 0.2499% | 2,303 |
| Net loans and leases to total assets | 63.3300% | 2,534 |
| Net loans and leases to deposits | 74.6793% | 2,567 |
| Net loans and leases to core deposits | 79.7049% | 2,719 |
| Total domestic deposits to total assets | 84.8100% | 2,369 |
| Equity capital to assets | 10.8637% | 1,547 |
| Core capital (leverage) ratio | 12.2951% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1538% | 593 |
| Memoranda: | ||
| Average total assets | $151,619,600 | 3,343 |
| Average earning assets | $140,607,400 | 3,339 |
| Average equity | $15,477,800 | 3,224 |
| Average total loans | $95,465,800 | 3,222 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 3,175 |
| Cost of funding earning assets | 0.8884% | 3,305 |
| Net interest margin | 3.4720% | 2,271 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.9995% | 3,597 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.1114% | 2,017 |
| Return on assets (ROA) | 1.1114% | 1,999 |
| Pretax return on assets | 1.4893% | 1,577 |
| Return on Equity (ROE) | 11.0700% | 2,357 |
| Retained earnings to average equity (ytd only) | 10.3212% | 1,317 |
| Net charge-offs to loans | 0.0028% | 2,434 |
| Credit loss provision to net charge-offs | 7,700.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 918.5000% | 175 |
| Efficiency ratio | 55.2170% | 3,470 |
| Assets per employee ($millions) | 5.1010% | 3,525 |
| Cash dividends to net income (ytd only)* | 6.7514% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,372 |
| Loan loss allowance to noncurrent loans | 448.6239% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 2,428 |
| Noncurrent loans to loans | 0.2229% | 2,459 |
| Net loans and leases to total assets | 63.2800% | 2,529 |
| Net loans and leases to deposits | 73.9033% | 2,571 |
| Net loans and leases to core deposits | 78.8141% | 2,688 |
| Total domestic deposits to total assets | 85.6200% | 2,306 |
| Equity capital to assets | 10.0797% | 1,785 |
| Core capital (leverage) ratio | 12.1814% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7391% | 637 |
| Memoranda: | ||
| Average total assets | $151,034,000 | 3,356 |
| Average earning assets | $140,317,250 | 3,354 |
| Average equity | $15,165,750 | 3,244 |
| Average total loans | $94,721,000 | 3,234 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 3,166 |
| Cost of funding earning assets | 0.8084% | 3,181 |
| Net interest margin | 3.4536% | 2,379 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 1.9895% | 3,623 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1424% | 1,996 |
| Return on assets (ROA) | 1.1424% | 1,989 |
| Pretax return on assets | 1.5334% | 1,533 |
| Return on Equity (ROE) | 11.3800% | 2,334 |
| Retained earnings to average equity (ytd only) | 10.2517% | 1,341 |
| Net charge-offs to loans | 0.0043% | 2,142 |
| Credit loss provision to net charge-offs | 3,300.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 606.5000% | 240 |
| Efficiency ratio | 55.2233% | 3,509 |
| Assets per employee ($millions) | 5.0461% | 3,561 |
| Cash dividends to net income (ytd only)* | 9.8952% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 3,788 |
| Loan loss allowance to noncurrent loans | 318.5185% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 2,110 |
| Noncurrent loans to loans | 0.2821% | 2,134 |
| Net loans and leases to total assets | 62.6700% | 2,514 |
| Net loans and leases to deposits | 71.8141% | 2,660 |
| Net loans and leases to core deposits | 76.1950% | 2,748 |
| Total domestic deposits to total assets | 87.2600% | 1,842 |
| Equity capital to assets | 10.2428% | 1,718 |
| Core capital (leverage) ratio | 11.9953% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7719% | 654 |
| Memoranda: | ||
| Average total assets | $150,389,333 | 3,374 |
| Average earning assets | $140,028,333 | 3,366 |
| Average equity | $15,100,000 | 3,258 |
| Average total loans | $93,691,667 | 3,245 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 3,149 |
| Cost of funding earning assets | 0.7420% | 2,922 |
| Net interest margin | 3.4017% | 2,630 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.9908% | 3,649 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.1235% | 2,151 |
| Return on assets (ROA) | 1.1235% | 2,117 |
| Pretax return on assets | 1.5051% | 1,661 |
| Return on Equity (ROE) | 11.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 11.3043% | 1,398 |
| Net charge-offs to loans | 0.0043% | 1,822 |
| Credit loss provision to net charge-offs | 3,700.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 594.0000% | 190 |
| Efficiency ratio | 55.6716% | 3,440 |
| Assets per employee ($millions) | 4.7290% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 3,890 |
| Loan loss allowance to noncurrent loans | 77.6119% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 648 |
| Noncurrent loans to loans | 1.1425% | 615 |
| Net loans and leases to total assets | 61.4500% | 2,519 |
| Net loans and leases to deposits | 69.2650% | 2,676 |
| Net loans and leases to core deposits | 73.3504% | 2,729 |
| Total domestic deposits to total assets | 88.7200% | 1,647 |
| Equity capital to assets | 10.1435% | 1,746 |
| Core capital (leverage) ratio | 11.9046% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5060% | 698 |
| Memoranda: | ||
| Average total assets | $149,892,000 | 3,427 |
| Average earning assets | $140,164,000 | 3,406 |
| Average equity | $14,897,000 | 3,317 |
| Average total loans | $92,675,000 | 3,296 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 2,018 |
| Cost of funding earning assets | 0.6008% | 899 |
| Net interest margin | 3.2853% | 2,604 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.0651% | 3,402 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0269% | 2,473 |
| Return on assets (ROA) | 1.0269% | 2,415 |
| Pretax return on assets | 1.3638% | 1,886 |
| Return on Equity (ROE) | 10.4800% | 2,649 |
| Retained earnings to average equity (ytd only) | 9.3883% | 1,364 |
| Net charge-offs to loans | 0.0725% | 921 |
| Credit loss provision to net charge-offs | 107.6923% | 1,517 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 1,646 |
| Efficiency ratio | 59.4141% | 3,133 |
| Assets per employee ($millions) | 4.9485% | 3,714 |
| Cash dividends to net income (ytd only)* | 10.4371% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 3,873 |
| Loan loss allowance to noncurrent loans | 247.2050% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 1,864 |
| Noncurrent loans to loans | 0.3518% | 1,884 |
| Net loans and leases to total assets | 61.1100% | 2,539 |
| Net loans and leases to deposits | 68.5563% | 2,697 |
| Net loans and leases to core deposits | 72.6332% | 2,671 |
| Total domestic deposits to total assets | 89.1400% | 1,682 |
| Equity capital to assets | 9.7295% | 1,868 |
| Core capital (leverage) ratio | 11.6407% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5479% | 667 |
| Memoranda: | ||
| Average total assets | $149,288,600 | 3,450 |
| Average earning assets | $139,470,000 | 3,424 |
| Average equity | $14,624,600 | 3,400 |
| Average total loans | $89,615,200 | 3,294 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 1,879 |
| Cost of funding earning assets | 0.5740% | 503 |
| Net interest margin | 3.1811% | 2,678 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.0299% | 3,404 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9743% | 2,570 |
| Return on assets (ROA) | 0.9757% | 2,538 |
| Pretax return on assets | 1.2914% | 2,070 |
| Return on Equity (ROE) | 9.9400% | 2,743 |
| Retained earnings to average equity (ytd only) | 9.2615% | 1,562 |
| Net charge-offs to loans | 0.0135% | 1,620 |
| Credit loss provision to net charge-offs | 666.6667% | 525 |
| Earnings coverage of net charge-offs (x) | 167.3333% | 698 |
| Efficiency ratio | 60.1798% | 3,092 |
| Assets per employee ($millions) | 5.1336% | 3,558 |
| Cash dividends to net income (ytd only)* | 6.8556% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 3,816 |
| Loan loss allowance to noncurrent loans | 290.3448% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 1,085 |
| Noncurrent loans to loans | 0.3143% | 2,122 |
| Net loans and leases to total assets | 61.4200% | 2,363 |
| Net loans and leases to deposits | 68.7694% | 2,476 |
| Net loans and leases to core deposits | 70.5845% | 2,597 |
| Total domestic deposits to total assets | 89.3100% | 1,954 |
| Equity capital to assets | 9.2132% | 2,065 |
| Core capital (leverage) ratio | 11.2003% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6666% | 767 |
| Memoranda: | ||
| Average total assets | $149,496,750 | 3,476 |
| Average earning assets | $139,824,250 | 3,446 |
| Average equity | $14,669,750 | 3,447 |
| Average total loans | $89,139,000 | 3,315 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 1,726 |
| Cost of funding earning assets | 0.5793% | 322 |
| Net interest margin | 3.0584% | 2,689 |
| Noninterest income to average assets | 0.3808% | 2,866 |
| Noninterest expense to average assets | 2.0574% | 3,272 |
| Loan and lease loss provision to assets | 0.0401% | 1,864 |
| Net operating income to assets | 0.8630% | 2,723 |
| Return on assets (ROA) | 0.8630% | 2,698 |
| Pretax return on assets | 1.1329% | 2,294 |
| Return on Equity (ROE) | 8.6204% | 2,819 |
| Retained earnings to average equity (ytd only) | 7.6196% | 1,758 |
| Net charge-offs to loans | 0.0182% | 1,374 |
| Credit loss provision to net charge-offs | 375.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 109.7500% | 774 |
| Efficiency ratio | 63.6890% | 2,809 |
| Assets per employee ($millions) | 5.3258% | 3,405 |
| Cash dividends to net income (ytd only)* | 11.6099% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 3,950 |
| Loan loss allowance to noncurrent loans | 108.6782% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 1,127 |
| Noncurrent loans to loans | 0.8288% | 1,031 |
| Net loans and leases to total assets | 57.9861% | 2,538 |
| Net loans and leases to deposits | 64.5819% | 2,669 |
| Net loans and leases to core deposits | 66.2091% | 2,803 |
| Total domestic deposits to total assets | 89.7869% | 1,804 |
| Equity capital to assets | 9.2328% | 2,209 |
| Core capital (leverage) ratio | 11.8354% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3925% | 798 |
| Memoranda: | ||
| Average total assets | $149,704,333 | 3,501 |
| Average earning assets | $139,485,667 | 3,496 |
| Average equity | $14,987,667 | 3,493 |
| Average total loans | $88,093,667 | 3,353 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 1,642 |
| Cost of funding earning assets | 0.6000% | 260 |
| Net interest margin | 2.9508% | 2,665 |
| Noninterest income to average assets | 0.3801% | 2,812 |
| Noninterest expense to average assets | 2.0525% | 3,289 |
| Loan and lease loss provision to assets | 0.0407% | 1,625 |
| Net operating income to assets | 0.8036% | 2,644 |
| Return on assets (ROA) | 0.8036% | 2,637 |
| Pretax return on assets | 1.0507% | 2,293 |
| Return on Equity (ROE) | 7.7126% | 2,799 |
| Retained earnings to average equity (ytd only) | 7.7126% | 1,668 |
| Net charge-offs to loans | 0.0046% | 1,595 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 402.0000% | 252 |
| Efficiency ratio | 65.2850% | 2,860 |
| Assets per employee ($millions) | 5.2608% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,017 |
| Loan loss allowance to noncurrent loans | 111.4958% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 1,213 |
| Noncurrent loans to loans | 0.8165% | 1,158 |
| Net loans and leases to total assets | 57.4307% | 2,364 |
| Net loans and leases to deposits | 64.3106% | 2,502 |
| Net loans and leases to core deposits | 65.9556% | 2,631 |
| Total domestic deposits to total assets | 89.3021% | 1,925 |
| Equity capital to assets | 9.6590% | 2,170 |
| Core capital (leverage) ratio | 10.9033% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4269% | 839 |
| Memoranda: | ||
| Average total assets | $147,332,000 | 3,537 |
| Average earning assets | $137,996,500 | 3,522 |
| Average equity | $15,351,500 | 3,530 |
| Average total loans | $86,954,000 | 3,376 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 1,987 |
| Cost of funding earning assets | 0.6003% | 542 |
| Net interest margin | 3.1457% | 2,748 |
| Noninterest income to average assets | 0.6831% | 1,822 |
| Noninterest expense to average assets | 2.1617% | 3,196 |
| Loan and lease loss provision to assets | 0.0243% | 2,578 |
| Net operating income to assets | 1.0818% | 2,361 |
| Return on assets (ROA) | 1.0812% | 2,433 |
| Pretax return on assets | 1.4156% | 1,998 |
| Return on Equity (ROE) | 9.7461% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.8747% | 1,241 |
| Net charge-offs to loans | 0.0402% | 1,452 |
| Credit loss provision to net charge-offs | 103.0303% | 1,765 |
| Earnings coverage of net charge-offs (x) | 60.9697% | 1,162 |
| Efficiency ratio | 60.0080% | 3,149 |
| Assets per employee ($millions) | 4.7367% | 3,936 |
| Cash dividends to net income (ytd only)* | 8.9404% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 4,001 |
| Loan loss allowance to noncurrent loans | 90.8152% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 1,030 |
| Noncurrent loans to loans | 1.0189% | 966 |
| Net loans and leases to total assets | 59.6013% | 2,198 |
| Net loans and leases to deposits | 67.9798% | 2,312 |
| Net loans and leases to core deposits | 69.8801% | 2,459 |
| Total domestic deposits to total assets | 87.6750% | 2,211 |
| Equity capital to assets | 11.2364% | 1,642 |
| Core capital (leverage) ratio | 11.3446% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0002% | 756 |
| Memoranda: | ||
| Average total assets | $139,658,000 | 3,586 |
| Average earning assets | $129,605,200 | 3,581 |
| Average equity | $15,493,400 | 3,585 |
| Average total loans | $82,076,600 | 3,441 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 2,054 |
| Cost of funding earning assets | 0.6064% | 624 |
| Net interest margin | 3.1755% | 2,811 |
| Noninterest income to average assets | 0.7815% | 1,581 |
| Noninterest expense to average assets | 2.1143% | 3,318 |
| Loan and lease loss provision to assets | 0.0266% | 2,467 |
| Net operating income to assets | 1.1996% | 2,173 |
| Return on assets (ROA) | 1.1996% | 2,227 |
| Pretax return on assets | 1.5678% | 1,799 |
| Return on Equity (ROE) | 10.8485% | 2,417 |
| Retained earnings to average equity (ytd only) | 10.2848% | 1,233 |
| Net charge-offs to loans | 0.0410% | 1,274 |
| Credit loss provision to net charge-offs | 112.0000% | 1,504 |
| Earnings coverage of net charge-offs (x) | 66.5200% | 1,087 |
| Efficiency ratio | 57.0062% | 3,412 |
| Assets per employee ($millions) | 4.6274% | 4,031 |
| Cash dividends to net income (ytd only)* | 5.1958% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 3,985 |
| Loan loss allowance to noncurrent loans | 104.0629% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 1,122 |
| Noncurrent loans to loans | 0.9202% | 1,253 |
| Net loans and leases to total assets | 59.1568% | 2,358 |
| Net loans and leases to deposits | 67.6904% | 2,463 |
| Net loans and leases to core deposits | 69.6285% | 2,629 |
| Total domestic deposits to total assets | 87.3931% | 2,164 |
| Equity capital to assets | 11.4694% | 1,702 |
| Core capital (leverage) ratio | 11.3675% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6656% | 727 |
| Memoranda: | ||
| Average total assets | $139,047,250 | 3,635 |
| Average earning assets | $128,186,000 | 3,632 |
| Average equity | $15,375,000 | 3,641 |
| Average total loans | $81,224,500 | 3,507 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 2,057 |
| Cost of funding earning assets | 0.6134% | 698 |
| Net interest margin | 3.1895% | 2,783 |
| Noninterest income to average assets | 0.9574% | 1,141 |
| Noninterest expense to average assets | 2.0917% | 3,413 |
| Loan and lease loss provision to assets | 0.0359% | 2,277 |
| Net operating income to assets | 1.3269% | 1,786 |
| Return on assets (ROA) | 1.3269% | 1,850 |
| Pretax return on assets | 1.7452% | 1,373 |
| Return on Equity (ROE) | 12.1506% | 2,001 |
| Retained earnings to average equity (ytd only) | 11.2949% | 1,059 |
| Net charge-offs to loans | 0.0099% | 1,775 |
| Credit loss provision to net charge-offs | 625.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 309.7500% | 363 |
| Efficiency ratio | 54.0089% | 3,804 |
| Assets per employee ($millions) | 4.4875% | 4,109 |
| Cash dividends to net income (ytd only)* | 7.0423% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 3,892 |
| Loan loss allowance to noncurrent loans | 86.4750% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 1,020 |
| Noncurrent loans to loans | 1.1308% | 1,069 |
| Net loans and leases to total assets | 59.1081% | 2,530 |
| Net loans and leases to deposits | 67.4196% | 2,682 |
| Net loans and leases to core deposits | 69.3337% | 2,839 |
| Total domestic deposits to total assets | 87.6719% | 2,000 |
| Equity capital to assets | 11.1816% | 1,844 |
| Core capital (leverage) ratio | 11.0580% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0209% | 803 |
| Memoranda: | ||
| Average total assets | $139,122,667 | 3,645 |
| Average earning assets | $127,169,000 | 3,657 |
| Average equity | $15,192,667 | 3,657 |
| Average total loans | $80,660,667 | 3,537 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 2,022 |
| Cost of funding earning assets | 0.6256% | 778 |
| Net interest margin | 3.2012% | 2,693 |
| Noninterest income to average assets | 0.9890% | 1,146 |
| Noninterest expense to average assets | 2.0384% | 3,594 |
| Loan and lease loss provision to assets | 0.0086% | 2,659 |
| Net operating income to assets | 1.3915% | 1,593 |
| Return on assets (ROA) | 1.3915% | 1,671 |
| Pretax return on assets | 1.8400% | 1,218 |
| Return on Equity (ROE) | 12.8968% | 1,699 |
| Retained earnings to average equity (ytd only) | 12.8968% | 939 |
| Net charge-offs to loans | 0.0302% | 1,184 |
| Credit loss provision to net charge-offs | 50.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 107.1667% | 593 |
| Efficiency ratio | 52.4408% | 3,961 |
| Assets per employee ($millions) | 4.7507% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,950 |
| Loan loss allowance to noncurrent loans | 63.9837% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 974 |
| Noncurrent loans to loans | 1.5227% | 818 |
| Net loans and leases to total assets | 56.1241% | 3,023 |
| Net loans and leases to deposits | 65.6775% | 2,952 |
| Net loans and leases to core deposits | 67.2275% | 3,135 |
| Total domestic deposits to total assets | 85.4540% | 2,943 |
| Equity capital to assets | 10.6083% | 2,162 |
| Core capital (leverage) ratio | 10.8828% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8142% | 814 |
| Memoranda: | ||
| Average total assets | $139,127,500 | 3,649 |
| Average earning assets | $125,951,500 | 3,673 |
| Average equity | $15,011,500 | 3,684 |
| Average total loans | $79,471,500 | 3,574 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 1,531 |
| Cost of funding earning assets | 0.7269% | 1,574 |
| Net interest margin | 3.6908% | 1,834 |
| Noninterest income to average assets | 0.4401% | 2,914 |
| Noninterest expense to average assets | 2.3138% | 3,371 |
| Loan and lease loss provision to assets | 0.0288% | 4,038 |
| Net operating income to assets | 1.1445% | 1,745 |
| Return on assets (ROA) | 1.1445% | 1,872 |
| Pretax return on assets | 1.4959% | 1,339 |
| Return on Equity (ROE) | 10.0776% | 1,975 |
| Retained earnings to average equity (ytd only) | 9.1986% | 731 |
| Net charge-offs to loans | 0.0101% | 2,956 |
| Credit loss provision to net charge-offs | 450.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 238.6250% | 419 |
| Efficiency ratio | 60.2788% | 3,414 |
| Assets per employee ($millions) | 4.5245% | 3,896 |
| Cash dividends to net income (ytd only)* | 8.7230% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,828 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 996 |
| Noncurrent loans to loans | 1.5160% | 875 |
| Net loans and leases to total assets | 57.0067% | 3,203 |
| Net loans and leases to deposits | 67.1544% | 3,168 |
| Net loans and leases to core deposits | 68.8263% | 3,343 |
| Total domestic deposits to total assets | 84.8889% | 2,807 |
| Equity capital to assets | 10.9802% | 2,267 |
| Core capital (leverage) ratio | 10.8914% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8879% | 782 |
| Memoranda: | ||
| Average total assets | $125,207,200 | 3,682 |
| Average earning assets | $115,285,600 | 3,686 |
| Average equity | $14,219,600 | 3,730 |
| Average total loans | $79,416,200 | 3,563 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 1,545 |
| Cost of funding earning assets | 0.7353% | 1,831 |
| Net interest margin | 3.7749% | 1,695 |
| Noninterest income to average assets | 0.4710% | 2,737 |
| Noninterest expense to average assets | 2.2832% | 3,463 |
| Loan and lease loss provision to assets | 0.0392% | 3,859 |
| Net operating income to assets | 1.2476% | 1,493 |
| Return on assets (ROA) | 1.2476% | 1,603 |
| Pretax return on assets | 1.6447% | 1,080 |
| Return on Equity (ROE) | 10.8858% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.3164% | 699 |
| Net charge-offs to loans | 0.0134% | 2,635 |
| Credit loss provision to net charge-offs | 450.0000% | 1,363 |
| Earnings coverage of net charge-offs (x) | 193.5000% | 505 |
| Efficiency ratio | 57.5542% | 3,729 |
| Assets per employee ($millions) | 4.3455% | 4,002 |
| Cash dividends to net income (ytd only)* | 5.2310% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,723 |
| Loan loss allowance to noncurrent loans | 67.5214% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0793% | 984 |
| Noncurrent loans to loans | 1.4748% | 978 |
| Net loans and leases to total assets | 60.2470% | 3,204 |
| Net loans and leases to deposits | 71.3788% | 3,189 |
| Net loans and leases to core deposits | 73.2358% | 3,381 |
| Total domestic deposits to total assets | 84.4046% | 2,674 |
| Equity capital to assets | 11.2776% | 2,166 |
| Core capital (leverage) ratio | 12.6035% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8538% | 800 |
| Memoranda: | ||
| Average total assets | $122,575,250 | 3,705 |
| Average earning assets | $113,518,500 | 3,707 |
| Average equity | $14,048,500 | 3,759 |
| Average total loans | $79,728,250 | 3,577 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5755% | 1,705 |
| Cost of funding earning assets | 0.7467% | 2,146 |
| Net interest margin | 3.8288% | 1,744 |
| Noninterest income to average assets | 0.4234% | 2,952 |
| Noninterest expense to average assets | 2.3087% | 3,490 |
| Loan and lease loss provision to assets | 0.0383% | 3,797 |
| Net operating income to assets | 1.2336% | 1,537 |
| Return on assets (ROA) | 1.2336% | 1,656 |
| Pretax return on assets | 1.6320% | 1,150 |
| Return on Equity (ROE) | 10.7009% | 1,742 |
| Retained earnings to average equity (ytd only) | 9.8332% | 818 |
| Net charge-offs to loans | 0.0025% | 2,916 |
| Credit loss provision to net charge-offs | 2,300.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 1,002.0000% | 89 |
| Efficiency ratio | 58.0226% | 3,681 |
| Assets per employee ($millions) | 4.4176% | 3,892 |
| Cash dividends to net income (ytd only)* | 8.1081% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,609 |
| Loan loss allowance to noncurrent loans | 57.3099% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 864 |
| Noncurrent loans to loans | 1.7337% | 827 |
| Net loans and leases to total assets | 60.9801% | 3,217 |
| Net loans and leases to deposits | 72.1685% | 3,244 |
| Net loans and leases to core deposits | 74.2546% | 3,443 |
| Total domestic deposits to total assets | 84.4968% | 2,557 |
| Equity capital to assets | 11.1678% | 2,197 |
| Core capital (leverage) ratio | 11.2719% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5265% | 841 |
| Memoranda: | ||
| Average total assets | $119,978,667 | 3,721 |
| Average earning assets | $111,418,667 | 3,717 |
| Average equity | $13,830,667 | 3,788 |
| Average total loans | $79,860,667 | 3,575 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 1,868 |
| Cost of funding earning assets | 0.7663% | 2,568 |
| Net interest margin | 3.8796% | 1,735 |
| Noninterest income to average assets | 0.4590% | 2,749 |
| Noninterest expense to average assets | 2.3811% | 3,576 |
| Loan and lease loss provision to assets | 0.0242% | 3,496 |
| Net operating income to assets | 1.2630% | 1,347 |
| Return on assets (ROA) | 1.2630% | 1,442 |
| Pretax return on assets | 1.6875% | 874 |
| Return on Equity (ROE) | 10.7706% | 1,484 |
| Retained earnings to average equity (ytd only) | 10.7706% | 605 |
| Net charge-offs to loans | 0.0050% | 2,401 |
| Credit loss provision to net charge-offs | 700.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 496.0000% | 131 |
| Efficiency ratio | 58.1788% | 3,975 |
| Assets per employee ($millions) | 3.9075% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 3,927 |
| Loan loss allowance to noncurrent loans | 68.8172% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 1,399 |
| Noncurrent loans to loans | 1.3818% | 1,162 |
| Net loans and leases to total assets | 68.2429% | 2,504 |
| Net loans and leases to deposits | 78.5177% | 2,835 |
| Net loans and leases to core deposits | 80.9260% | 3,118 |
| Total domestic deposits to total assets | 86.9139% | 1,595 |
| Equity capital to assets | 11.7595% | 2,246 |
| Core capital (leverage) ratio | 12.1980% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4488% | 811 |
| Memoranda: | ||
| Average total assets | $115,913,500 | 3,762 |
| Average earning assets | $108,567,500 | 3,736 |
| Average equity | $13,592,500 | 3,823 |
| Average total loans | $80,338,500 | 3,575 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 2,311 |
| Cost of funding earning assets | 0.7790% | 2,776 |
| Net interest margin | 3.9252% | 2,089 |
| Noninterest income to average assets | 0.5157% | 2,643 |
| Noninterest expense to average assets | 2.5311% | 3,365 |
| Loan and lease loss provision to assets | 0.0316% | 3,386 |
| Net operating income to assets | 1.1984% | 2,063 |
| Return on assets (ROA) | 1.1866% | 2,207 |
| Pretax return on assets | 1.5751% | 1,565 |
| Return on Equity (ROE) | 10.6294% | 2,036 |
| Retained earnings to average equity (ytd only) | 8.5711% | 813 |
| Net charge-offs to loans | 0.0077% | 3,400 |
| Credit loss provision to net charge-offs | 600.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 308.1667% | 279 |
| Efficiency ratio | 60.9504% | 3,542 |
| Assets per employee ($millions) | 3.8201% | 4,132 |
| Cash dividends to net income (ytd only)* | 19.3644% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 3,729 |
| Loan loss allowance to noncurrent loans | 72.6406% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 1,230 |
| Noncurrent loans to loans | 1.3127% | 1,140 |
| Net loans and leases to total assets | 69.0645% | 2,536 |
| Net loans and leases to deposits | 79.3651% | 2,855 |
| Net loans and leases to core deposits | 81.8452% | 3,138 |
| Total domestic deposits to total assets | 87.0213% | 1,595 |
| Equity capital to assets | 11.6925% | 2,357 |
| Core capital (leverage) ratio | 11.4115% | 2,181 |
| Tier 1 risk-based capital ratio | 19.2348% | 1,472 |
| Total risk-based capital ratio | 20.3694% | 1,464 |
| Memoranda: | ||
| Average total assets | $114,022,000 | 3,775 |
| Average earning assets | $105,649,600 | 3,786 |
| Average equity | $12,728,800 | 3,912 |
| Average total loans | $77,649,400 | 3,643 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 2,419 |
| Cost of funding earning assets | 0.7763% | 2,835 |
| Net interest margin | 3.9233% | 2,182 |
| Noninterest income to average assets | 0.5187% | 2,614 |
| Noninterest expense to average assets | 2.4728% | 3,509 |
| Loan and lease loss provision to assets | 0.0316% | 3,275 |
| Net operating income to assets | 1.2321% | 2,090 |
| Return on assets (ROA) | 1.2469% | 2,104 |
| Pretax return on assets | 1.6602% | 1,439 |
| Return on Equity (ROE) | 11.3045% | 1,893 |
| Retained earnings to average equity (ytd only) | 9.1604% | 1,004 |
| Net charge-offs to loans | 0.0104% | 2,998 |
| Credit loss provision to net charge-offs | 450.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 238.1613% | 386 |
| Efficiency ratio | 59.6442% | 3,702 |
| Assets per employee ($millions) | 3.7339% | 4,238 |
| Cash dividends to net income (ytd only)* | 18.9674% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,792 |
| Loan loss allowance to noncurrent loans | 67.6577% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 1,253 |
| Noncurrent loans to loans | 1.4157% | 1,075 |
| Net loans and leases to total assets | 67.0874% | 2,914 |
| Net loans and leases to deposits | 76.7964% | 3,221 |
| Net loans and leases to core deposits | 78.7536% | 3,486 |
| Total domestic deposits to total assets | 87.3575% | 1,341 |
| Equity capital to assets | 11.3769% | 2,766 |
| Core capital (leverage) ratio | 11.4514% | 2,256 |
| Tier 1 risk-based capital ratio | 19.3377% | 1,494 |
| Total risk-based capital ratio | 20.4834% | 1,484 |
| Memoranda: | ||
| Average total assets | $113,876,750 | 3,819 |
| Average earning assets | $105,281,500 | 3,828 |
| Average equity | $12,561,000 | 3,964 |
| Average total loans | $77,083,750 | 3,692 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 2,522 |
| Cost of funding earning assets | 0.7717% | 2,795 |
| Net interest margin | 3.8777% | 2,316 |
| Noninterest income to average assets | 0.4786% | 2,793 |
| Noninterest expense to average assets | 2.5024% | 3,473 |
| Loan and lease loss provision to assets | 0.0318% | 3,193 |
| Net operating income to assets | 1.1514% | 2,323 |
| Return on assets (ROA) | 1.1514% | 2,395 |
| Pretax return on assets | 1.5293% | 1,762 |
| Return on Equity (ROE) | 10.5516% | 2,155 |
| Retained earnings to average equity (ytd only) | 7.6871% | 1,523 |
| Net charge-offs to loans | 0.0052% | 2,973 |
| Credit loss provision to net charge-offs | 900.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 170 |
| Efficiency ratio | 61.5819% | 3,492 |
| Assets per employee ($millions) | 3.7076% | 4,231 |
| Cash dividends to net income (ytd only)* | 27.1472% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 3,798 |
| Loan loss allowance to noncurrent loans | 67.9745% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 1,108 |
| Noncurrent loans to loans | 1.4216% | 1,086 |
| Net loans and leases to total assets | 66.4268% | 3,049 |
| Net loans and leases to deposits | 75.7040% | 3,358 |
| Net loans and leases to core deposits | 77.6331% | 3,604 |
| Total domestic deposits to total assets | 87.7455% | 1,228 |
| Equity capital to assets | 11.0765% | 2,966 |
| Core capital (leverage) ratio | 11.0465% | 2,552 |
| Tier 1 risk-based capital ratio | 19.0651% | 1,537 |
| Total risk-based capital ratio | 20.2202% | 1,526 |
| Memoranda: | ||
| Average total assets | $113,251,670 | 3,856 |
| Average earning assets | $104,700,670 | 3,864 |
| Average equity | $12,358,330 | 3,998 |
| Average total loans | $76,643,000 | 3,723 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 2,687 |
| Cost of funding earning assets | 0.7606% | 2,731 |
| Net interest margin | 3.7916% | 2,559 |
| Noninterest income to average assets | 0.4555% | 2,824 |
| Noninterest expense to average assets | 2.5194% | 3,446 |
| Loan and lease loss provision to assets | 0.0320% | 2,985 |
| Net operating income to assets | 1.0711% | 2,579 |
| Return on assets (ROA) | 1.0711% | 2,625 |
| Pretax return on assets | 1.4163% | 2,029 |
| Return on Equity (ROE) | 9.8916% | 2,413 |
| Retained earnings to average equity (ytd only) | 5.8824% | 2,504 |
| Net charge-offs to loans | 0.0105% | 2,314 |
| Credit loss provision to net charge-offs | 450.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 203.5000% | 384 |
| Efficiency ratio | 63.4978% | 3,318 |
| Assets per employee ($millions) | 3.7940% | 4,201 |
| Cash dividends to net income (ytd only)* | 40.5316% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 3,901 |
| Loan loss allowance to noncurrent loans | 69.5940% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 1,127 |
| Noncurrent loans to loans | 1.3870% | 1,167 |
| Net loans and leases to total assets | 66.4341% | 2,984 |
| Net loans and leases to deposits | 75.6818% | 3,292 |
| Net loans and leases to core deposits | 77.6281% | 3,547 |
| Total domestic deposits to total assets | 87.7808% | 1,447 |
| Equity capital to assets | 10.8407% | 3,007 |
| Core capital (leverage) ratio | 11.0571% | 2,521 |
| Tier 1 risk-based capital ratio | 18.4695% | 1,668 |
| Total risk-based capital ratio | 19.6019% | 1,645 |
| Memoranda: | ||
| Average total assets | $112,409,000 | 3,899 |
| Average earning assets | $104,124,000 | 3,913 |
| Average equity | $12,172,000 | 4,039 |
| Average total loans | $76,417,500 | 3,760 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 2,336 |
| Cost of funding earning assets | 0.8021% | 1,514 |
| Net interest margin | 3.7370% | 2,911 |
| Noninterest income to average assets | 0.5313% | 2,650 |
| Noninterest expense to average assets | 2.4903% | 3,637 |
| Loan and lease loss provision to assets | 0.0268% | 3,640 |
| Net operating income to assets | 1.0743% | 2,701 |
| Return on assets (ROA) | 1.0743% | 2,689 |
| Pretax return on assets | 1.4858% | 1,828 |
| Return on Equity (ROE) | 10.3280% | 2,381 |
| Retained earnings to average equity (ytd only) | 6.5270% | 1,910 |
| Net charge-offs to loans | 0.0158% | 3,158 |
| Credit loss provision to net charge-offs | 250.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 140.9167% | 584 |
| Efficiency ratio | 62.2123% | 3,486 |
| Assets per employee ($millions) | 3.6999% | 4,317 |
| Cash dividends to net income (ytd only)* | 36.8027% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 3,945 |
| Loan loss allowance to noncurrent loans | 52.8261% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 778 |
| Noncurrent loans to loans | 1.8043% | 789 |
| Net loans and leases to total assets | 68.2478% | 2,848 |
| Net loans and leases to deposits | 78.1410% | 3,149 |
| Net loans and leases to core deposits | 80.4326% | 3,396 |
| Total domestic deposits to total assets | 87.3393% | 1,621 |
| Equity capital to assets | 10.8156% | 2,876 |
| Core capital (leverage) ratio | 10.7303% | 2,811 |
| Tier 1 risk-based capital ratio | 18.6349% | 1,588 |
| Total risk-based capital ratio | 19.7819% | 1,563 |
| Memoranda: | ||
| Average total assets | $111,793,800 | 3,914 |
| Average earning assets | $103,852,800 | 3,921 |
| Average equity | $11,628,600 | 4,073 |
| Average total loans | $75,829,600 | 3,753 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 2,400 |
| Cost of funding earning assets | 0.7665% | 1,497 |
| Net interest margin | 3.7026% | 3,012 |
| Noninterest income to average assets | 0.5369% | 2,636 |
| Noninterest expense to average assets | 2.4560% | 3,712 |
| Loan and lease loss provision to assets | 0.0238% | 3,547 |
| Net operating income to assets | 1.0600% | 2,824 |
| Return on assets (ROA) | 1.0572% | 2,851 |
| Pretax return on assets | 1.4870% | 1,940 |
| Return on Equity (ROE) | 10.2646% | 2,497 |
| Retained earnings to average equity (ytd only) | 6.4847% | 2,392 |
| Net charge-offs to loans | 0.0018% | 3,432 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 1,275.1579% | 63 |
| Efficiency ratio | 61.8591% | 3,533 |
| Assets per employee ($millions) | 3.8119% | 4,160 |
| Cash dividends to net income (ytd only)* | 36.8244% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 4,019 |
| Loan loss allowance to noncurrent loans | 61.5838% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 1,045 |
| Noncurrent loans to loans | 1.5561% | 1,026 |
| Net loans and leases to total assets | 66.0653% | 3,166 |
| Net loans and leases to deposits | 74.6050% | 3,542 |
| Net loans and leases to core deposits | 76.6930% | 3,758 |
| Total domestic deposits to total assets | 88.5535% | 1,024 |
| Equity capital to assets | 10.2170% | 3,434 |
| Core capital (leverage) ratio | 10.5642% | 3,009 |
| Tier 1 risk-based capital ratio | 18.0711% | 1,771 |
| Total risk-based capital ratio | 19.2032% | 1,761 |
| Memoranda: | ||
| Average total assets | $111,993,000 | 3,954 |
| Average earning assets | $103,852,750 | 3,956 |
| Average equity | $11,534,500 | 4,123 |
| Average total loans | $75,666,500 | 3,794 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 2,280 |
| Cost of funding earning assets | 0.7687% | 1,287 |
| Net interest margin | 3.6747% | 3,025 |
| Noninterest income to average assets | 0.5216% | 2,743 |
| Noninterest expense to average assets | 2.4657% | 3,731 |
| Loan and lease loss provision to assets | 0.0180% | 3,541 |
| Net operating income to assets | 0.9892% | 3,069 |
| Return on assets (ROA) | 0.9892% | 3,073 |
| Pretax return on assets | 1.4424% | 2,011 |
| Return on Equity (ROE) | 9.5780% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.0803% | 1,594 |
| Net charge-offs to loans | 0.0080% | 2,845 |
| Credit loss provision to net charge-offs | 333.3333% | 935 |
| Earnings coverage of net charge-offs (x) | 270.6667% | 331 |
| Efficiency ratio | 62.8035% | 3,516 |
| Assets per employee ($millions) | 3.7738% | 4,245 |
| Cash dividends to net income (ytd only)* | 15.6364% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 4,170 |
| Loan loss allowance to noncurrent loans | 86.5526% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 1,491 |
| Noncurrent loans to loans | 1.0833% | 1,628 |
| Net loans and leases to total assets | 66.0690% | 3,139 |
| Net loans and leases to deposits | 74.5926% | 3,478 |
| Net loans and leases to core deposits | 76.6983% | 3,684 |
| Total domestic deposits to total assets | 88.5731% | 1,109 |
| Equity capital to assets | 10.3061% | 3,335 |
| Core capital (leverage) ratio | 10.9312% | 2,576 |
| Tier 1 risk-based capital ratio | 18.2337% | 1,740 |
| Total risk-based capital ratio | 19.3531% | 1,732 |
| Memoranda: | ||
| Average total assets | $111,204,670 | 4,000 |
| Average earning assets | $103,028,330 | 4,003 |
| Average equity | $11,484,670 | 4,160 |
| Average total loans | $75,461,330 | 3,825 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 2,130 |
| Cost of funding earning assets | 0.7814% | 1,034 |
| Net interest margin | 3.6376% | 3,037 |
| Noninterest income to average assets | 0.5227% | 2,672 |
| Noninterest expense to average assets | 2.4574% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8820% | 3,367 |
| Return on assets (ROA) | 0.8820% | 3,380 |
| Pretax return on assets | 1.4447% | 1,850 |
| Return on Equity (ROE) | 8.5316% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.2676% | 2,159 |
| Net charge-offs to loans | 0.0106% | 2,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 338 |
| Efficiency ratio | 62.9767% | 3,640 |
| Assets per employee ($millions) | 3.5776% | 4,570 |
| Cash dividends to net income (ytd only)* | 14.8148% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 4,244 |
| Loan loss allowance to noncurrent loans | 79.6400% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 1,373 |
| Noncurrent loans to loans | 1.1861% | 1,544 |
| Net loans and leases to total assets | 66.9450% | 2,896 |
| Net loans and leases to deposits | 75.4878% | 3,272 |
| Net loans and leases to core deposits | 77.8831% | 3,498 |
| Total domestic deposits to total assets | 88.6832% | 1,265 |
| Equity capital to assets | 10.3042% | 3,277 |
| Core capital (leverage) ratio | 10.8758% | 2,560 |
| Tier 1 risk-based capital ratio | 18.0315% | 1,831 |
| Total risk-based capital ratio | 19.1598% | 1,810 |
| Memoranda: | ||
| Average total assets | $110,199,500 | 4,060 |
| Average earning assets | $102,376,000 | 4,052 |
| Average equity | $11,393,000 | 4,210 |
| Average total loans | $75,438,000 | 3,850 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 1,836 |
| Cost of funding earning assets | 0.8048% | 600 |
| Net interest margin | 3.6586% | 2,958 |
| Noninterest income to average assets | 0.4691% | 3,195 |
| Noninterest expense to average assets | 2.5706% | 3,540 |
| Loan and lease loss provision to assets | 0.1106% | 2,045 |
| Net operating income to assets | 0.7982% | 3,163 |
| Return on assets (ROA) | 0.7982% | 3,208 |
| Pretax return on assets | 1.1733% | 2,882 |
| Return on Equity (ROE) | 7.7879% | 2,891 |
| Retained earnings to average equity (ytd only) | 5.9893% | 1,547 |
| Net charge-offs to loans | 0.1571% | 1,552 |
| Credit loss provision to net charge-offs | 103.4483% | 2,471 |
| Earnings coverage of net charge-offs (x) | 12.0086% | 2,515 |
| Efficiency ratio | 66.6906% | 3,137 |
| Assets per employee ($millions) | 3.4217% | 4,799 |
| Cash dividends to net income (ytd only)* | 23.0947% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 4,271 |
| Loan loss allowance to noncurrent loans | 75.2371% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 1,271 |
| Noncurrent loans to loans | 1.2500% | 1,411 |
| Net loans and leases to total assets | 68.6875% | 2,728 |
| Net loans and leases to deposits | 78.2650% | 3,089 |
| Net loans and leases to core deposits | 80.8045% | 3,354 |
| Total domestic deposits to total assets | 87.7627% | 1,623 |
| Equity capital to assets | 10.3733% | 3,305 |
| Core capital (leverage) ratio | 10.3296% | 3,042 |
| Tier 1 risk-based capital ratio | 17.6818% | 1,894 |
| Total risk-based capital ratio | 18.8127% | 1,877 |
| Memoranda: | ||
| Average total assets | $108,494,800 | 4,091 |
| Average earning assets | $100,393,800 | 4,091 |
| Average equity | $11,119,800 | 4,282 |
| Average total loans | $73,858,600 | 3,874 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 1,813 |
| Cost of funding earning assets | 0.8120% | 532 |
| Net interest margin | 3.6309% | 3,037 |
| Noninterest income to average assets | 0.4902% | 3,085 |
| Noninterest expense to average assets | 2.5300% | 3,625 |
| Loan and lease loss provision to assets | 0.1109% | 1,929 |
| Net operating income to assets | 0.8170% | 3,455 |
| Return on assets (ROA) | 0.8179% | 3,489 |
| Pretax return on assets | 1.2046% | 2,886 |
| Return on Equity (ROE) | 8.0044% | 3,122 |
| Retained earnings to average equity (ytd only) | 6.1962% | 2,108 |
| Net charge-offs to loans | 0.1945% | 1,093 |
| Credit loss provision to net charge-offs | 84.1121% | 2,525 |
| Earnings coverage of net charge-offs (x) | 9.9722% | 2,646 |
| Efficiency ratio | 65.8122% | 3,242 |
| Assets per employee ($millions) | 3.4341% | 4,819 |
| Cash dividends to net income (ytd only)* | 22.5910% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 4,397 |
| Loan loss allowance to noncurrent loans | 62.1403% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.3095% | 1,226 |
| Noncurrent loans to loans | 1.5075% | 1,239 |
| Net loans and leases to total assets | 66.4977% | 3,042 |
| Net loans and leases to deposits | 75.4782% | 3,425 |
| Net loans and leases to core deposits | 77.9043% | 3,640 |
| Total domestic deposits to total assets | 88.1018% | 1,312 |
| Equity capital to assets | 10.3120% | 3,581 |
| Core capital (leverage) ratio | 10.4073% | 3,079 |
| Tier 1 risk-based capital ratio | 16.2892% | 2,384 |
| Total risk-based capital ratio | 17.3136% | 2,416 |
| Memoranda: | ||
| Average total assets | $108,245,250 | 4,132 |
| Average earning assets | $99,991,500 | 4,140 |
| Average equity | $11,060,250 | 4,333 |
| Average total loans | $73,342,750 | 3,922 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 1,686 |
| Cost of funding earning assets | 0.8191% | 478 |
| Net interest margin | 3.6244% | 2,935 |
| Noninterest income to average assets | 0.5014% | 3,015 |
| Noninterest expense to average assets | 2.4848% | 3,793 |
| Loan and lease loss provision to assets | 0.1114% | 1,835 |
| Net operating income to assets | 0.8530% | 3,143 |
| Return on assets (ROA) | 0.8543% | 3,189 |
| Pretax return on assets | 1.2517% | 2,571 |
| Return on Equity (ROE) | 8.3868% | 2,836 |
| Retained earnings to average equity (ytd only) | 5.6519% | 2,321 |
| Net charge-offs to loans | 0.1366% | 1,336 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 14.6600% | 2,058 |
| Efficiency ratio | 64.6065% | 3,568 |
| Assets per employee ($millions) | 3.3872% | 4,879 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 4,235 |
| Loan loss allowance to noncurrent loans | 59.3648% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.6191% | 912 |
| Noncurrent loans to loans | 1.6617% | 1,108 |
| Net loans and leases to total assets | 67.5084% | 2,875 |
| Net loans and leases to deposits | 77.3090% | 3,185 |
| Net loans and leases to core deposits | 80.4064% | 3,393 |
| Total domestic deposits to total assets | 87.3227% | 1,792 |
| Equity capital to assets | 10.2721% | 3,603 |
| Core capital (leverage) ratio | 10.1785% | 3,304 |
| Tier 1 risk-based capital ratio | 15.9808% | 2,516 |
| Total risk-based capital ratio | 17.0445% | 2,523 |
| Memoranda: | ||
| Average total assets | $107,696,670 | 4,171 |
| Average earning assets | $99,382,670 | 4,171 |
| Average equity | $10,969,670 | 4,364 |
| Average total loans | $73,201,670 | 3,939 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 1,667 |
| Cost of funding earning assets | 0.8314% | 407 |
| Net interest margin | 3.5598% | 3,043 |
| Noninterest income to average assets | 0.5291% | 2,770 |
| Noninterest expense to average assets | 2.4481% | 3,970 |
| Loan and lease loss provision to assets | 0.1118% | 1,720 |
| Net operating income to assets | 0.8582% | 2,956 |
| Return on assets (ROA) | 0.8607% | 2,984 |
| Pretax return on assets | 1.2594% | 2,384 |
| Return on Equity (ROE) | 8.4868% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.4868% | 1,281 |
| Net charge-offs to loans | 0.0165% | 2,462 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 122.3333% | 449 |
| Efficiency ratio | 64.1602% | 3,807 |
| Assets per employee ($millions) | 3.3931% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 4,118 |
| Loan loss allowance to noncurrent loans | 60.0965% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.6734% | 904 |
| Noncurrent loans to loans | 1.7084% | 1,121 |
| Net loans and leases to total assets | 66.3207% | 2,924 |
| Net loans and leases to deposits | 74.7747% | 3,325 |
| Net loans and leases to core deposits | 77.7229% | 3,496 |
| Total domestic deposits to total assets | 88.6941% | 1,323 |
| Equity capital to assets | 10.1649% | 3,552 |
| Core capital (leverage) ratio | 10.2763% | 3,147 |
| Tier 1 risk-based capital ratio | 16.0535% | 2,526 |
| Total risk-based capital ratio | 17.1531% | 2,538 |
| Memoranda: | ||
| Average total assets | $107,349,500 | 4,220 |
| Average earning assets | $99,105,500 | 4,213 |
| Average equity | $10,887,500 | 4,407 |
| Average total loans | $72,851,500 | 3,977 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 1,754 |
| Cost of funding earning assets | 0.8376% | 416 |
| Net interest margin | 3.5896% | 3,106 |
| Noninterest income to average assets | 0.4597% | 3,482 |
| Noninterest expense to average assets | 2.4942% | 4,031 |
| Loan and lease loss provision to assets | 0.1715% | 1,421 |
| Net operating income to assets | 0.7775% | 3,416 |
| Return on assets (ROA) | 0.7684% | 3,563 |
| Pretax return on assets | 1.0937% | 3,128 |
| Return on Equity (ROE) | 7.6545% | 3,141 |
| Retained earnings to average equity (ytd only) | 2.5115% | 4,087 |
| Net charge-offs to loans | 0.0476% | 3,088 |
| Credit loss provision to net charge-offs | 544.1176% | 617 |
| Earnings coverage of net charge-offs (x) | 40.5588% | 1,161 |
| Efficiency ratio | 65.3563% | 3,699 |
| Assets per employee ($millions) | 3.4232% | 4,869 |
| Cash dividends to net income (ytd only)* | 67.1894% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,478 |
| Loan loss allowance to noncurrent loans | 50.1063% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.8611% | 776 |
| Noncurrent loans to loans | 1.9343% | 949 |
| Net loans and leases to total assets | 68.0726% | 2,755 |
| Net loans and leases to deposits | 76.7175% | 3,238 |
| Net loans and leases to core deposits | 79.8069% | 3,409 |
| Total domestic deposits to total assets | 88.7315% | 1,246 |
| Equity capital to assets | 10.1188% | 3,583 |
| Core capital (leverage) ratio | 9.9298% | 3,594 |
| Tier 1 risk-based capital ratio | 15.7279% | 2,661 |
| Total risk-based capital ratio | 16.7903% | 2,663 |
| Memoranda: | ||
| Average total assets | $107,889,800 | 4,211 |
| Average earning assets | $99,564,600 | 4,215 |
| Average equity | $10,830,200 | 4,448 |
| Average total loans | $71,499,800 | 4,007 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 1,896 |
| Cost of funding earning assets | 0.8392% | 407 |
| Net interest margin | 3.5491% | 3,275 |
| Noninterest income to average assets | 0.4578% | 3,501 |
| Noninterest expense to average assets | 2.4443% | 4,150 |
| Loan and lease loss provision to assets | 0.1846% | 1,185 |
| Net operating income to assets | 0.7739% | 3,492 |
| Return on assets (ROA) | 0.7791% | 3,605 |
| Pretax return on assets | 1.1101% | 3,186 |
| Return on Equity (ROE) | 7.7763% | 3,132 |
| Retained earnings to average equity (ytd only) | 1.5479% | 4,892 |
| Net charge-offs to loans | 0.0131% | 3,495 |
| Credit loss provision to net charge-offs | 2,142.8571% | 226 |
| Earnings coverage of net charge-offs (x) | 149.4780% | 464 |
| Efficiency ratio | 64.4789% | 3,854 |
| Assets per employee ($millions) | 3.5124% | 4,761 |
| Cash dividends to net income (ytd only)* | 80.0943% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 4,623 |
| Loan loss allowance to noncurrent loans | 42.5364% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.9516% | 807 |
| Noncurrent loans to loans | 2.2543% | 825 |
| Net loans and leases to total assets | 66.4955% | 3,041 |
| Net loans and leases to deposits | 76.0129% | 3,400 |
| Net loans and leases to core deposits | 79.0314% | 3,547 |
| Total domestic deposits to total assets | 87.4793% | 1,676 |
| Equity capital to assets | 9.9510% | 4,173 |
| Core capital (leverage) ratio | 10.1663% | 3,363 |
| Tier 1 risk-based capital ratio | 15.3623% | 2,887 |
| Total risk-based capital ratio | 16.4041% | 2,908 |
| Memoranda: | ||
| Average total assets | $108,332,500 | 4,234 |
| Average earning assets | $99,929,750 | 4,239 |
| Average equity | $10,853,250 | 4,488 |
| Average total loans | $71,138,500 | 4,042 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 1,891 |
| Cost of funding earning assets | 0.8401% | 398 |
| Net interest margin | 3.5370% | 3,341 |
| Noninterest income to average assets | 0.4401% | 3,589 |
| Noninterest expense to average assets | 2.4485% | 4,187 |
| Loan and lease loss provision to assets | 0.2589% | 735 |
| Net operating income to assets | 0.7080% | 3,748 |
| Return on assets (ROA) | 0.7120% | 3,890 |
| Pretax return on assets | 1.0005% | 3,582 |
| Return on Equity (ROE) | 7.0907% | 3,490 |
| Retained earnings to average equity (ytd only) | 5.1200% | 2,653 |
| Net charge-offs to loans | -0.0057% | 4,560 |
| Credit loss provision to net charge-offs | -7,000.0000% | 5,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5854% | 3,917 |
| Assets per employee ($millions) | 3.4806% | 4,777 |
| Cash dividends to net income (ytd only)* | 27.7922% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 4,646 |
| Loan loss allowance to noncurrent loans | 44.8940% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.8805% | 895 |
| Noncurrent loans to loans | 2.1712% | 875 |
| Net loans and leases to total assets | 65.8131% | 3,107 |
| Net loans and leases to deposits | 75.4842% | 3,440 |
| Net loans and leases to core deposits | 78.5146% | 3,602 |
| Total domestic deposits to total assets | 87.1879% | 1,815 |
| Equity capital to assets | 10.2356% | 3,930 |
| Core capital (leverage) ratio | 9.8998% | 3,683 |
| Tier 1 risk-based capital ratio | 15.7815% | 2,748 |
| Total risk-based capital ratio | 16.8352% | 2,768 |
| Memoranda: | ||
| Average total assets | $108,148,670 | 4,261 |
| Average earning assets | $99,746,000 | 4,274 |
| Average equity | $10,859,330 | 4,514 |
| Average total loans | $70,483,330 | 4,081 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 1,938 |
| Cost of funding earning assets | 0.8501% | 391 |
| Net interest margin | 3.5092% | 3,440 |
| Noninterest income to average assets | 0.4433% | 3,530 |
| Noninterest expense to average assets | 2.3681% | 4,462 |
| Loan and lease loss provision to assets | 0.3325% | 454 |
| Net operating income to assets | 0.6871% | 3,776 |
| Return on assets (ROA) | 0.6871% | 3,893 |
| Pretax return on assets | 0.9605% | 3,618 |
| Return on Equity (ROE) | 6.9100% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.9100% | 1,927 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1685% | 4,281 |
| Assets per employee ($millions) | 3.6030% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 4,959 |
| Loan loss allowance to noncurrent loans | 55.7759% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.5182% | 1,337 |
| Noncurrent loans to loans | 1.6641% | 1,362 |
| Net loans and leases to total assets | 63.8918% | 3,255 |
| Net loans and leases to deposits | 73.1188% | 3,537 |
| Net loans and leases to core deposits | 76.0363% | 3,680 |
| Total domestic deposits to total assets | 87.3808% | 2,008 |
| Equity capital to assets | 10.0732% | 3,984 |
| Core capital (leverage) ratio | 9.9767% | 3,559 |
| Tier 1 risk-based capital ratio | 16.1254% | 2,625 |
| Total risk-based capital ratio | 17.1321% | 2,674 |
| Memoranda: | ||
| Average total assets | $108,274,000 | 4,295 |
| Average earning assets | $99,281,500 | 4,313 |
| Average equity | $10,767,000 | 4,546 |
| Average total loans | $69,870,000 | 4,118 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 1,923 |
| Cost of funding earning assets | 0.8873% | 308 |
| Net interest margin | 3.5054% | 3,501 |
| Noninterest income to average assets | 0.3837% | 4,160 |
| Noninterest expense to average assets | 2.4240% | 4,455 |
| Loan and lease loss provision to assets | 0.3051% | 557 |
| Net operating income to assets | 0.6596% | 3,996 |
| Return on assets (ROA) | 0.6425% | 4,160 |
| Pretax return on assets | 0.8884% | 3,887 |
| Return on Equity (ROE) | 6.6472% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.6865% | 2,652 |
| Net charge-offs to loans | 0.4757% | 570 |
| Credit loss provision to net charge-offs | 100.9174% | 2,482 |
| Earnings coverage of net charge-offs (x) | 4.0031% | 3,624 |
| Efficiency ratio | 65.1234% | 4,057 |
| Assets per employee ($millions) | 3.3893% | 4,993 |
| Cash dividends to net income (ytd only)* | 29.4964% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 5,336 |
| Loan loss allowance to noncurrent loans | 50.5236% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 1.4678% | 1,393 |
| Noncurrent loans to loans | 1.6363% | 1,394 |
| Net loans and leases to total assets | 64.0389% | 3,274 |
| Net loans and leases to deposits | 75.2878% | 3,344 |
| Net loans and leases to core deposits | 78.3601% | 3,504 |
| Total domestic deposits to total assets | 85.0589% | 3,061 |
| Equity capital to assets | 9.8157% | 4,175 |
| Core capital (leverage) ratio | 9.6705% | 3,946 |
| Tier 1 risk-based capital ratio | 15.7379% | 2,809 |
| Total risk-based capital ratio | 16.6365% | 2,934 |
| Memoranda: | ||
| Average total assets | $108,170,000 | 4,293 |
| Average earning assets | $100,303,600 | 4,279 |
| Average equity | $10,455,600 | 4,575 |
| Average total loans | $68,734,200 | 4,127 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 1,935 |
| Cost of funding earning assets | 0.9052% | 280 |
| Net interest margin | 3.4893% | 3,580 |
| Noninterest income to average assets | 0.3552% | 4,400 |
| Noninterest expense to average assets | 2.3620% | 4,615 |
| Loan and lease loss provision to assets | 0.3392% | 399 |
| Net operating income to assets | 0.6343% | 4,219 |
| Return on assets (ROA) | 0.6352% | 4,328 |
| Pretax return on assets | 0.8930% | 4,005 |
| Return on Equity (ROE) | 6.5973% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.3163% | 2,708 |
| Net charge-offs to loans | 0.2885% | 919 |
| Credit loss provision to net charge-offs | 185.8108% | 1,425 |
| Earnings coverage of net charge-offs (x) | 6.7432% | 3,009 |
| Efficiency ratio | 64.1607% | 4,217 |
| Assets per employee ($millions) | 3.4756% | 4,840 |
| Cash dividends to net income (ytd only)* | 19.4175% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 4,896 |
| Loan loss allowance to noncurrent loans | 50.2946% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.6355% | 1,349 |
| Noncurrent loans to loans | 1.9287% | 1,203 |
| Net loans and leases to total assets | 62.6943% | 3,503 |
| Net loans and leases to deposits | 72.3665% | 3,724 |
| Net loans and leases to core deposits | 74.9812% | 3,910 |
| Total domestic deposits to total assets | 86.6345% | 2,217 |
| Equity capital to assets | 9.5730% | 4,666 |
| Core capital (leverage) ratio | 9.9571% | 3,700 |
| Tier 1 risk-based capital ratio | 15.3764% | 3,104 |
| Total risk-based capital ratio | 16.4147% | 3,143 |
| Memoranda: | ||
| Average total assets | $108,097,750 | 4,342 |
| Average earning assets | $100,303,250 | 4,323 |
| Average equity | $10,408,000 | 4,636 |
| Average total loans | $68,409,000 | 4,172 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 1,891 |
| Cost of funding earning assets | 0.9369% | 239 |
| Net interest margin | 3.4513% | 3,705 |
| Noninterest income to average assets | 0.3213% | 4,651 |
| Noninterest expense to average assets | 2.3875% | 4,590 |
| Loan and lease loss provision to assets | 0.3363% | 407 |
| Net operating income to assets | 0.5796% | 4,429 |
| Return on assets (ROA) | 0.5810% | 4,527 |
| Pretax return on assets | 0.7996% | 4,313 |
| Return on Equity (ROE) | 6.0223% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.0858% | 3,421 |
| Net charge-offs to loans | 0.4370% | 587 |
| Credit loss provision to net charge-offs | 121.6216% | 1,782 |
| Earnings coverage of net charge-offs (x) | 4.1014% | 3,091 |
| Efficiency ratio | 66.1538% | 3,979 |
| Assets per employee ($millions) | 3.5030% | 4,783 |
| Cash dividends to net income (ytd only)* | 32.1543% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 5,477 |
| Loan loss allowance to noncurrent loans | 35.6882% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 1.9311% | 1,158 |
| Noncurrent loans to loans | 2.3751% | 971 |
| Net loans and leases to total assets | 63.1253% | 3,395 |
| Net loans and leases to deposits | 70.6203% | 3,860 |
| Net loans and leases to core deposits | 74.5722% | 3,898 |
| Total domestic deposits to total assets | 89.3869% | 957 |
| Equity capital to assets | 9.5560% | 4,588 |
| Core capital (leverage) ratio | 9.3684% | 4,466 |
| Tier 1 risk-based capital ratio | 15.1913% | 3,255 |
| Total risk-based capital ratio | 16.0954% | 3,384 |
| Memoranda: | ||
| Average total assets | $107,057,330 | 4,402 |
| Average earning assets | $99,265,670 | 4,386 |
| Average equity | $10,328,330 | 4,683 |
| Average total loans | $67,741,670 | 4,219 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 1,787 |
| Cost of funding earning assets | 0.9648% | 211 |
| Net interest margin | 3.4293% | 3,720 |
| Noninterest income to average assets | 0.2409% | 5,246 |
| Noninterest expense to average assets | 2.3897% | 4,627 |
| Loan and lease loss provision to assets | 0.1693% | 1,177 |
| Net operating income to assets | 0.6209% | 4,190 |
| Return on assets (ROA) | 0.6209% | 4,286 |
| Pretax return on assets | 0.8656% | 4,006 |
| Return on Equity (ROE) | 6.4053% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.4053% | 2,283 |
| Net charge-offs to loans | 0.0955% | 1,768 |
| Credit loss provision to net charge-offs | 281.2500% | 851 |
| Earnings coverage of net charge-offs (x) | 17.1875% | 1,535 |
| Efficiency ratio | 68.1319% | 3,804 |
| Assets per employee ($millions) | 3.5684% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 5,536 |
| Loan loss allowance to noncurrent loans | 47.1302% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.5861% | 1,621 |
| Noncurrent loans to loans | 1.8298% | 1,471 |
| Net loans and leases to total assets | 62.6045% | 3,277 |
| Net loans and leases to deposits | 70.2243% | 3,728 |
| Net loans and leases to core deposits | 74.2143% | 3,761 |
| Total domestic deposits to total assets | 89.1493% | 1,172 |
| Equity capital to assets | 9.7597% | 4,420 |
| Core capital (leverage) ratio | 9.4782% | 4,315 |
| Tier 1 risk-based capital ratio | 15.3005% | 3,260 |
| Total risk-based capital ratio | 16.2113% | 3,379 |
| Memoranda: | ||
| Average total assets | $106,290,000 | 4,449 |
| Average earning assets | $98,678,000 | 4,440 |
| Average equity | $10,304,000 | 4,721 |
| Average total loans | $67,045,000 | 4,263 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 1,890 |
| Cost of funding earning assets | 0.9844% | 251 |
| Net interest margin | 3.5106% | 3,751 |
| Noninterest income to average assets | 0.3478% | 4,619 |
| Noninterest expense to average assets | 2.4333% | 4,748 |
| Loan and lease loss provision to assets | 0.1724% | 1,507 |
| Net operating income to assets | 0.6984% | 3,898 |
| Return on assets (ROA) | 0.6984% | 4,016 |
| Pretax return on assets | 0.9637% | 3,631 |
| Return on Equity (ROE) | 7.3833% | 3,420 |
| Retained earnings to average equity (ytd only) | 5.3476% | 2,373 |
| Net charge-offs to loans | 0.5644% | 718 |
| Credit loss provision to net charge-offs | 50.5618% | 3,467 |
| Earnings coverage of net charge-offs (x) | 3.3315% | 3,914 |
| Efficiency ratio | 66.5056% | 4,152 |
| Assets per employee ($millions) | 3.4041% | 5,053 |
| Cash dividends to net income (ytd only)* | 27.5720% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 5,646 |
| Loan loss allowance to noncurrent loans | 42.6404% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 1.7342% | 1,533 |
| Noncurrent loans to loans | 1.9823% | 1,406 |
| Net loans and leases to total assets | 62.4722% | 3,443 |
| Net loans and leases to deposits | 69.9069% | 3,921 |
| Net loans and leases to core deposits | 73.9194% | 3,925 |
| Total domestic deposits to total assets | 89.3648% | 1,040 |
| Equity capital to assets | 9.6279% | 4,556 |
| Core capital (leverage) ratio | 9.1509% | 4,751 |
| Tier 1 risk-based capital ratio | 15.2595% | 3,340 |
| Total risk-based capital ratio | 16.1440% | 3,479 |
| Memoranda: | ||
| Average total assets | $104,384,000 | 4,495 |
| Average earning assets | $95,796,800 | 4,512 |
| Average equity | $9,873,600 | 4,778 |
| Average total loans | $63,074,400 | 4,395 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 1,906 |
| Cost of funding earning assets | 0.9861% | 262 |
| Net interest margin | 3.5039% | 3,812 |
| Noninterest income to average assets | 0.3189% | 4,883 |
| Noninterest expense to average assets | 2.3887% | 4,869 |
| Loan and lease loss provision to assets | 0.1729% | 1,422 |
| Net operating income to assets | 0.7019% | 3,932 |
| Return on assets (ROA) | 0.7019% | 4,030 |
| Pretax return on assets | 0.9657% | 3,734 |
| Return on Equity (ROE) | 7.4541% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.1618% | 2,300 |
| Net charge-offs to loans | 0.2336% | 1,647 |
| Credit loss provision to net charge-offs | 123.8532% | 1,859 |
| Earnings coverage of net charge-offs (x) | 8.1559% | 2,849 |
| Efficiency ratio | 66.0494% | 4,207 |
| Assets per employee ($millions) | 3.8075% | 4,273 |
| Cash dividends to net income (ytd only)* | 17.3352% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 4,325 |
| Loan loss allowance to noncurrent loans | 39.3316% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.4501% | 1,091 |
| Noncurrent loans to loans | 3.0079% | 888 |
| Net loans and leases to total assets | 59.9368% | 3,796 |
| Net loans and leases to deposits | 69.8415% | 3,935 |
| Net loans and leases to core deposits | 73.9689% | 3,941 |
| Total domestic deposits to total assets | 85.8183% | 2,946 |
| Equity capital to assets | 9.4898% | 4,804 |
| Core capital (leverage) ratio | 9.4112% | 4,496 |
| Tier 1 risk-based capital ratio | 15.1825% | 3,485 |
| Total risk-based capital ratio | 16.3868% | 3,447 |
| Memoranda: | ||
| Average total assets | $104,098,250 | 4,543 |
| Average earning assets | $95,319,000 | 4,567 |
| Average equity | $9,802,000 | 4,827 |
| Average total loans | $62,221,250 | 4,457 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 1,998 |
| Cost of funding earning assets | 0.9880% | 271 |
| Net interest margin | 3.4612% | 3,931 |
| Noninterest income to average assets | 0.2963% | 5,042 |
| Noninterest expense to average assets | 2.4133% | 4,841 |
| Loan and lease loss provision to assets | 0.1743% | 1,401 |
| Net operating income to assets | 0.6508% | 4,092 |
| Return on assets (ROA) | 0.6508% | 4,194 |
| Pretax return on assets | 0.8774% | 3,971 |
| Return on Equity (ROE) | 6.9300% | 3,653 |
| Retained earnings to average equity (ytd only) | 4.9706% | 2,978 |
| Net charge-offs to loans | 0.2019% | 1,816 |
| Credit loss provision to net charge-offs | 145.1613% | 1,491 |
| Earnings coverage of net charge-offs (x) | 8.7581% | 2,450 |
| Efficiency ratio | 67.9150% | 4,023 |
| Assets per employee ($millions) | 3.6056% | 4,647 |
| Cash dividends to net income (ytd only)* | 28.2738% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 4,320 |
| Loan loss allowance to noncurrent loans | 47.6990% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 2.1107% | 1,474 |
| Noncurrent loans to loans | 2.5620% | 1,205 |
| Net loans and leases to total assets | 59.2911% | 3,820 |
| Net loans and leases to deposits | 66.3506% | 4,238 |
| Net loans and leases to core deposits | 70.1749% | 4,250 |
| Total domestic deposits to total assets | 89.3604% | 1,182 |
| Equity capital to assets | 9.4920% | 4,759 |
| Core capital (leverage) ratio | 9.2638% | 4,647 |
| Tier 1 risk-based capital ratio | 15.2894% | 3,476 |
| Total risk-based capital ratio | 16.5292% | 3,427 |
| Memoranda: | ||
| Average total assets | $103,261,330 | 4,599 |
| Average earning assets | $94,533,670 | 4,626 |
| Average equity | $9,697,000 | 4,866 |
| Average total loans | $61,407,330 | 4,497 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 2,043 |
| Cost of funding earning assets | 1.0037% | 270 |
| Net interest margin | 3.4210% | 4,022 |
| Noninterest income to average assets | 0.2768% | 5,157 |
| Noninterest expense to average assets | 2.4949% | 4,638 |
| Loan and lease loss provision to assets | 0.1754% | 1,378 |
| Net operating income to assets | 0.5613% | 4,409 |
| Return on assets (ROA) | 0.5613% | 4,487 |
| Pretax return on assets | 0.7290% | 4,390 |
| Return on Equity (ROE) | 6.0106% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.0106% | 2,536 |
| Net charge-offs to loans | 0.0066% | 3,522 |
| Credit loss provision to net charge-offs | 4,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 215 |
| Efficiency ratio | 71.6743% | 3,545 |
| Assets per employee ($millions) | 3.4562% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,202 |
| Loan loss allowance to noncurrent loans | 45.9364% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 2.3465% | 1,391 |
| Noncurrent loans to loans | 2.7979% | 1,191 |
| Net loans and leases to total assets | 57.7788% | 3,880 |
| Net loans and leases to deposits | 64.3840% | 4,276 |
| Net loans and leases to core deposits | 68.1005% | 4,294 |
| Total domestic deposits to total assets | 89.7410% | 1,214 |
| Equity capital to assets | 9.3668% | 4,674 |
| Core capital (leverage) ratio | 9.2205% | 4,693 |
| Tier 1 risk-based capital ratio | 15.3100% | 3,547 |
| Total risk-based capital ratio | 16.5483% | 3,503 |
| Memoranda: | ||
| Average total assets | $102,611,000 | 4,661 |
| Average earning assets | $93,657,000 | 4,693 |
| Average equity | $9,583,000 | 4,913 |
| Average total loans | $60,729,500 | 4,562 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 1,769 |
| Cost of funding earning assets | 1.0983% | 290 |
| Net interest margin | 3.5338% | 3,746 |
| Noninterest income to average assets | 0.3927% | 4,502 |
| Noninterest expense to average assets | 2.5825% | 4,527 |
| Loan and lease loss provision to assets | 0.2874% | 1,196 |
| Net operating income to assets | 0.5553% | 4,480 |
| Return on assets (ROA) | 0.5508% | 4,629 |
| Pretax return on assets | 0.7041% | 4,528 |
| Return on Equity (ROE) | 6.0397% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.1490% | 3,219 |
| Net charge-offs to loans | 0.5827% | 1,134 |
| Credit loss provision to net charge-offs | 86.4553% | 2,855 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,993 |
| Efficiency ratio | 69.1464% | 3,988 |
| Assets per employee ($millions) | 3.3846% | 5,128 |
| Cash dividends to net income (ytd only)* | 31.3043% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 4,570 |
| Loan loss allowance to noncurrent loans | 42.0125% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 2.5350% | 1,341 |
| Noncurrent loans to loans | 2.8945% | 1,210 |
| Net loans and leases to total assets | 59.1233% | 3,857 |
| Net loans and leases to deposits | 66.5366% | 4,237 |
| Net loans and leases to core deposits | 69.7949% | 4,304 |
| Total domestic deposits to total assets | 88.8582% | 1,720 |
| Equity capital to assets | 9.3109% | 4,681 |
| Core capital (leverage) ratio | 8.9911% | 5,023 |
| Tier 1 risk-based capital ratio | 15.1467% | 3,581 |
| Total risk-based capital ratio | 16.3442% | 3,557 |
| Memoranda: | ||
| Average total assets | $104,393,200 | 4,630 |
| Average earning assets | $94,148,200 | 4,677 |
| Average equity | $9,520,400 | 4,969 |
| Average total loans | $59,549,600 | 4,628 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5995% | 1,904 |
| Cost of funding earning assets | 1.2223% | 179 |
| Net interest margin | 3.3772% | 4,371 |
| Noninterest income to average assets | 0.3704% | 4,748 |
| Noninterest expense to average assets | 2.5573% | 4,522 |
| Loan and lease loss provision to assets | 0.2854% | 1,211 |
| Net operating income to assets | 0.4566% | 5,005 |
| Return on assets (ROA) | 0.4503% | 5,163 |
| Pretax return on assets | 0.5518% | 5,202 |
| Return on Equity (ROE) | 4.9630% | 4,744 |
| Retained earnings to average equity (ytd only) | 3.8446% | 3,946 |
| Net charge-offs to loans | 0.7764% | 765 |
| Credit loss provision to net charge-offs | 65.2174% | 3,177 |
| Earnings coverage of net charge-offs (x) | 1.9304% | 4,182 |
| Efficiency ratio | 71.5884% | 3,486 |
| Assets per employee ($millions) | 3.5956% | 4,658 |
| Cash dividends to net income (ytd only)* | 22.5344% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,335 |
| Loan loss allowance to noncurrent loans | 42.5641% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 2.2844% | 1,728 |
| Noncurrent loans to loans | 2.5807% | 1,651 |
| Net loans and leases to total assets | 57.3352% | 4,116 |
| Net loans and leases to deposits | 63.7458% | 4,545 |
| Net loans and leases to core deposits | 65.8131% | 4,733 |
| Total domestic deposits to total assets | 89.9435% | 1,033 |
| Equity capital to assets | 9.0178% | 5,166 |
| Core capital (leverage) ratio | 8.8289% | 5,362 |
| Tier 1 risk-based capital ratio | 14.6338% | 3,994 |
| Total risk-based capital ratio | 15.7171% | 4,051 |
| Memoranda: | ||
| Average total assets | $105,107,250 | 4,665 |
| Average earning assets | $94,356,500 | 4,722 |
| Average equity | $9,537,000 | 5,024 |
| Average total loans | $59,244,250 | 4,671 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,842 |
| Cost of funding earning assets | 1.2432% | 180 |
| Net interest margin | 3.3619% | 4,336 |
| Noninterest income to average assets | 0.3416% | 4,952 |
| Noninterest expense to average assets | 2.4500% | 4,901 |
| Loan and lease loss provision to assets | 0.2847% | 1,277 |
| Net operating income to assets | 0.4855% | 4,863 |
| Return on assets (ROA) | 0.4763% | 5,079 |
| Pretax return on assets | 0.5978% | 5,018 |
| Return on Equity (ROE) | 5.2392% | 4,595 |
| Retained earnings to average equity (ytd only) | 3.5693% | 4,046 |
| Net charge-offs to loans | 0.4554% | 1,443 |
| Credit loss provision to net charge-offs | 111.9403% | 1,985 |
| Earnings coverage of net charge-offs (x) | 3.5149% | 3,372 |
| Efficiency ratio | 69.6368% | 3,896 |
| Assets per employee ($millions) | 3.4978% | 4,858 |
| Cash dividends to net income (ytd only)* | 31.8725% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,433 |
| Loan loss allowance to noncurrent loans | 36.1287% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 2.3891% | 1,786 |
| Noncurrent loans to loans | 3.6392% | 1,129 |
| Net loans and leases to total assets | 57.0082% | 4,132 |
| Net loans and leases to deposits | 63.3261% | 4,578 |
| Net loans and leases to core deposits | 65.3553% | 4,758 |
| Total domestic deposits to total assets | 90.0233% | 1,010 |
| Equity capital to assets | 8.8332% | 5,410 |
| Core capital (leverage) ratio | 8.5216% | 5,645 |
| Tier 1 risk-based capital ratio | 14.6384% | 4,008 |
| Total risk-based capital ratio | 15.8899% | 3,968 |
| Memoranda: | ||
| Average total assets | $105,386,000 | 4,695 |
| Average earning assets | $94,113,330 | 4,753 |
| Average equity | $9,581,670 | 5,042 |
| Average total loans | $58,843,000 | 4,708 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 1,728 |
| Cost of funding earning assets | 1.2569% | 185 |
| Net interest margin | 3.3774% | 4,206 |
| Noninterest income to average assets | 0.3371% | 5,001 |
| Noninterest expense to average assets | 2.5906% | 4,429 |
| Loan and lease loss provision to assets | 0.2841% | 1,238 |
| Net operating income to assets | 0.3947% | 5,149 |
| Return on assets (ROA) | 0.3750% | 5,371 |
| Pretax return on assets | 0.4318% | 5,465 |
| Return on Equity (ROE) | 4.0665% | 5,059 |
| Retained earnings to average equity (ytd only) | 4.0665% | 3,785 |
| Net charge-offs to loans | 0.5176% | 1,160 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 2,991 |
| Efficiency ratio | 74.1752% | 3,236 |
| Assets per employee ($millions) | 3.5793% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 4,360 |
| Loan loss allowance to noncurrent loans | 32.4066% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 2.5256% | 1,817 |
| Noncurrent loans to loans | 4.2396% | 1,024 |
| Net loans and leases to total assets | 52.2113% | 4,677 |
| Net loans and leases to deposits | 58.3775% | 4,991 |
| Net loans and leases to core deposits | 60.2075% | 5,126 |
| Total domestic deposits to total assets | 89.4374% | 1,392 |
| Equity capital to assets | 9.0958% | 5,370 |
| Core capital (leverage) ratio | 8.3948% | 5,718 |
| Tier 1 risk-based capital ratio | 14.9558% | 3,870 |
| Total risk-based capital ratio | 16.2227% | 3,815 |
| Memoranda: | ||
| Average total assets | $105,612,000 | 4,729 |
| Average earning assets | $93,564,000 | 4,810 |
| Average equity | $9,738,000 | 5,056 |
| Average total loans | $57,955,500 | 4,780 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0997% | 1,317 |
| Cost of funding earning assets | 1.4246% | 232 |
| Net interest margin | 3.6751% | 3,765 |
| Noninterest income to average assets | 0.4287% | 4,390 |
| Noninterest expense to average assets | 2.6549% | 4,558 |
| Loan and lease loss provision to assets | 0.2984% | 2,288 |
| Net operating income to assets | 0.5871% | 4,299 |
| Return on assets (ROA) | 0.5909% | 4,540 |
| Pretax return on assets | 0.7779% | 4,377 |
| Return on Equity (ROE) | 6.2413% | 4,047 |
| Retained earnings to average equity (ytd only) | 4.5076% | 3,059 |
| Net charge-offs to loans | 0.8612% | 1,329 |
| Credit loss provision to net charge-offs | 60.2410% | 4,437 |
| Earnings coverage of net charge-offs (x) | 2.1627% | 4,335 |
| Efficiency ratio | 67.8057% | 4,183 |
| Assets per employee ($millions) | 3.4615% | 5,087 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,493 |
| Loan loss allowance to noncurrent loans | 30.1380% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 2.8697% | 1,664 |
| Noncurrent loans to loans | 4.4154% | 977 |
| Net loans and leases to total assets | 56.1221% | 4,271 |
| Net loans and leases to deposits | 63.0068% | 4,660 |
| Net loans and leases to core deposits | 65.0505% | 4,827 |
| Total domestic deposits to total assets | 89.0731% | 1,512 |
| Equity capital to assets | 9.3495% | 5,081 |
| Core capital (leverage) ratio | 8.4645% | 5,670 |
| Tier 1 risk-based capital ratio | 14.7343% | 3,875 |
| Total risk-based capital ratio | 16.0011% | 3,818 |
| Memoranda: | ||
| Average total assets | $100,532,400 | 4,822 |
| Average earning assets | $90,202,200 | 4,865 |
| Average equity | $9,517,200 | 5,104 |
| Average total loans | $57,823,400 | 4,802 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2043% | 1,184 |
| Cost of funding earning assets | 1.4524% | 246 |
| Net interest margin | 3.7519% | 3,540 |
| Noninterest income to average assets | 0.3985% | 4,646 |
| Noninterest expense to average assets | 2.6357% | 4,618 |
| Loan and lease loss provision to assets | 0.1738% | 3,392 |
| Net operating income to assets | 0.6932% | 3,946 |
| Return on assets (ROA) | 0.6980% | 4,172 |
| Pretax return on assets | 0.9601% | 3,874 |
| Return on Equity (ROE) | 7.3499% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.0123% | 2,692 |
| Net charge-offs to loans | 0.3083% | 2,903 |
| Credit loss provision to net charge-offs | 97.7444% | 3,063 |
| Earnings coverage of net charge-offs (x) | 6.3383% | 2,815 |
| Efficiency ratio | 66.6311% | 4,323 |
| Assets per employee ($millions) | 3.3173% | 5,404 |
| Cash dividends to net income (ytd only)* | 18.1988% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 3,200 |
| Loan loss allowance to noncurrent loans | 60.6042% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 2.0042% | 2,632 |
| Noncurrent loans to loans | 2.7790% | 2,025 |
| Net loans and leases to total assets | 55.8015% | 4,488 |
| Net loans and leases to deposits | 62.7957% | 4,877 |
| Net loans and leases to core deposits | 64.8487% | 5,067 |
| Total domestic deposits to total assets | 88.8619% | 1,507 |
| Equity capital to assets | 9.5161% | 5,185 |
| Core capital (leverage) ratio | 8.6877% | 5,493 |
| Tier 1 risk-based capital ratio | 14.8040% | 3,980 |
| Total risk-based capital ratio | 16.0751% | 3,921 |
| Memoranda: | ||
| Average total assets | $99,704,250 | 4,885 |
| Average earning assets | $89,410,500 | 4,929 |
| Average equity | $9,469,250 | 5,162 |
| Average total loans | $57,512,750 | 4,865 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 1,189 |
| Cost of funding earning assets | 1.4833% | 253 |
| Net interest margin | 3.7422% | 3,630 |
| Noninterest income to average assets | 0.3771% | 4,823 |
| Noninterest expense to average assets | 2.6738% | 4,522 |
| Loan and lease loss provision to assets | 0.1216% | 4,001 |
| Net operating income to assets | 0.6913% | 3,911 |
| Return on assets (ROA) | 0.6913% | 4,177 |
| Pretax return on assets | 0.9365% | 3,936 |
| Return on Equity (ROE) | 7.2835% | 3,625 |
| Retained earnings to average equity (ytd only) | 5.8097% | 2,820 |
| Net charge-offs to loans | 0.4368% | 2,294 |
| Credit loss provision to net charge-offs | 48.0000% | 4,080 |
| Earnings coverage of net charge-offs (x) | 4.1760% | 3,155 |
| Efficiency ratio | 68.1695% | 4,086 |
| Assets per employee ($millions) | 3.3445% | 5,347 |
| Cash dividends to net income (ytd only)* | 20.2346% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 3,566 |
| Loan loss allowance to noncurrent loans | 58.1030% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 1.8877% | 2,921 |
| Noncurrent loans to loans | 2.7732% | 2,162 |
| Net loans and leases to total assets | 56.2930% | 4,419 |
| Net loans and leases to deposits | 63.3508% | 4,843 |
| Net loans and leases to core deposits | 65.6763% | 5,038 |
| Total domestic deposits to total assets | 88.8592% | 1,598 |
| Equity capital to assets | 9.5352% | 5,012 |
| Core capital (leverage) ratio | 8.6708% | 5,417 |
| Tier 1 risk-based capital ratio | 14.6781% | 3,979 |
| Total risk-based capital ratio | 15.8277% | 4,007 |
| Memoranda: | ||
| Average total assets | $98,660,330 | 4,934 |
| Average earning assets | $88,449,670 | 4,982 |
| Average equity | $9,363,670 | 5,193 |
| Average total loans | $57,228,000 | 4,905 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 1,164 |
| Cost of funding earning assets | 1.4993% | 288 |
| Net interest margin | 3.7732% | 3,502 |
| Noninterest income to average assets | 0.4089% | 4,606 |
| Noninterest expense to average assets | 2.6987% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7687% | 3,529 |
| Return on assets (ROA) | 0.7687% | 3,765 |
| Pretax return on assets | 1.0959% | 3,338 |
| Return on Equity (ROE) | 8.1192% | 3,236 |
| Retained earnings to average equity (ytd only) | 8.1192% | 1,943 |
| Net charge-offs to loans | 0.1120% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,339 |
| Efficiency ratio | 67.6724% | 4,240 |
| Assets per employee ($millions) | 3.1998% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 3,244 |
| Loan loss allowance to noncurrent loans | 80.7820% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.5848% | 3,481 |
| Noncurrent loans to loans | 2.1373% | 2,982 |
| Net loans and leases to total assets | 55.7171% | 4,436 |
| Net loans and leases to deposits | 62.6280% | 4,821 |
| Net loans and leases to core deposits | 64.9394% | 5,021 |
| Total domestic deposits to total assets | 88.9651% | 1,714 |
| Equity capital to assets | 9.4693% | 4,851 |
| Core capital (leverage) ratio | 8.6733% | 5,345 |
| Tier 1 risk-based capital ratio | 14.8798% | 3,835 |
| Total risk-based capital ratio | 16.1521% | 3,791 |
| Memoranda: | ||
| Average total assets | $97,823,500 | 4,989 |
| Average earning assets | $87,776,000 | 5,030 |
| Average equity | $9,262,000 | 5,228 |
| Average total loans | $57,139,000 | 4,937 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7476% | 706 |
| Cost of funding earning assets | 1.6788% | 347 |
| Net interest margin | 4.0688% | 2,574 |
| Noninterest income to average assets | 0.3359% | 5,128 |
| Noninterest expense to average assets | 2.6514% | 4,917 |
| Loan and lease loss provision to assets | 0.5437% | 1,930 |
| Net operating income to assets | 0.5783% | 4,108 |
| Return on assets (ROA) | 0.6099% | 4,132 |
| Pretax return on assets | 0.8580% | 3,754 |
| Return on Equity (ROE) | 6.6998% | 3,538 |
| Retained earnings to average equity (ytd only) | 5.1214% | 2,556 |
| Net charge-offs to loans | 0.3714% | 3,549 |
| Credit loss provision to net charge-offs | 238.0090% | 1,023 |
| Earnings coverage of net charge-offs (x) | 5.9412% | 2,638 |
| Efficiency ratio | 62.8159% | 5,328 |
| Assets per employee ($millions) | 3.1114% | 5,875 |
| Cash dividends to net income (ytd only)* | 23.5593% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 3,201 |
| Loan loss allowance to noncurrent loans | 99.7978% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3665% | 3,958 |
| Noncurrent loans to loans | 1.7040% | 3,606 |
| Net loans and leases to total assets | 59.1501% | 4,164 |
| Net loans and leases to deposits | 66.5097% | 4,666 |
| Net loans and leases to core deposits | 68.6753% | 4,947 |
| Total domestic deposits to total assets | 88.9345% | 1,586 |
| Equity capital to assets | 9.4668% | 4,931 |
| Core capital (leverage) ratio | 8.5241% | 5,521 |
| Tier 1 risk-based capital ratio | 14.3376% | 4,085 |
| Total risk-based capital ratio | 15.6099% | 4,043 |
| Memoranda: | ||
| Average total assets | $96,741,000 | 4,985 |
| Average earning assets | $87,323,000 | 5,014 |
| Average equity | $8,806,200 | 5,336 |
| Average total loans | $59,512,200 | 4,879 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7931% | 710 |
| Cost of funding earning assets | 1.7009% | 392 |
| Net interest margin | 4.0922% | 2,506 |
| Noninterest income to average assets | 0.3705% | 4,908 |
| Noninterest expense to average assets | 2.6938% | 4,753 |
| Loan and lease loss provision to assets | 0.4200% | 2,368 |
| Net operating income to assets | 0.6858% | 3,689 |
| Return on assets (ROA) | 0.6858% | 3,861 |
| Pretax return on assets | 0.9544% | 3,574 |
| Return on Equity (ROE) | 7.6101% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.9378% | 2,001 |
| Net charge-offs to loans | 0.2672% | 3,767 |
| Credit loss provision to net charge-offs | 254.1667% | 1,126 |
| Earnings coverage of net charge-offs (x) | 8.3164% | 2,200 |
| Efficiency ratio | 62.9655% | 5,245 |
| Assets per employee ($millions) | 3.1456% | 5,796 |
| Cash dividends to net income (ytd only)* | 8.8361% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 4,207 |
| Loan loss allowance to noncurrent loans | 107.0197% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 3,999 |
| Noncurrent loans to loans | 1.3824% | 4,221 |
| Net loans and leases to total assets | 59.3459% | 4,264 |
| Net loans and leases to deposits | 66.7051% | 4,799 |
| Net loans and leases to core deposits | 68.8380% | 5,081 |
| Total domestic deposits to total assets | 88.9676% | 1,445 |
| Equity capital to assets | 9.4418% | 5,174 |
| Core capital (leverage) ratio | 8.6042% | 5,547 |
| Tier 1 risk-based capital ratio | 13.9830% | 4,366 |
| Total risk-based capital ratio | 15.2518% | 4,323 |
| Memoranda: | ||
| Average total assets | $96,813,000 | 5,011 |
| Average earning assets | $87,480,500 | 5,048 |
| Average equity | $8,725,000 | 5,380 |
| Average total loans | $59,880,500 | 4,907 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7722% | 760 |
| Cost of funding earning assets | 1.7221% | 430 |
| Net interest margin | 4.0501% | 2,611 |
| Noninterest income to average assets | 0.3086% | 5,424 |
| Noninterest expense to average assets | 2.6797% | 4,900 |
| Loan and lease loss provision to assets | 0.4142% | 2,359 |
| Net operating income to assets | 0.6440% | 3,827 |
| Return on assets (ROA) | 0.6440% | 3,953 |
| Pretax return on assets | 0.8967% | 3,624 |
| Return on Equity (ROE) | 7.2627% | 3,316 |
| Retained earnings to average equity (ytd only) | 6.2352% | 2,272 |
| Net charge-offs to loans | 0.1128% | 4,571 |
| Credit loss provision to net charge-offs | 588.2353% | 529 |
| Earnings coverage of net charge-offs (x) | 18.6176% | 1,250 |
| Efficiency ratio | 63.8298% | 5,270 |
| Assets per employee ($millions) | 3.1040% | 5,873 |
| Cash dividends to net income (ytd only)* | 14.1479% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 4,292 |
| Loan loss allowance to noncurrent loans | 112.8989% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 4,083 |
| Noncurrent loans to loans | 1.2939% | 4,498 |
| Net loans and leases to total assets | 59.5195% | 4,369 |
| Net loans and leases to deposits | 66.7164% | 4,893 |
| Net loans and leases to core deposits | 68.8589% | 5,204 |
| Total domestic deposits to total assets | 89.2127% | 1,412 |
| Equity capital to assets | 9.2607% | 5,192 |
| Core capital (leverage) ratio | 8.2336% | 5,975 |
| Tier 1 risk-based capital ratio | 13.7065% | 4,381 |
| Total risk-based capital ratio | 14.9585% | 4,351 |
| Memoranda: | ||
| Average total assets | $96,579,670 | 5,057 |
| Average earning assets | $87,800,000 | 5,070 |
| Average equity | $8,564,330 | 5,440 |
| Average total loans | $60,261,000 | 4,944 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6653% | 949 |
| Cost of funding earning assets | 1.7418% | 470 |
| Net interest margin | 3.9235% | 3,033 |
| Noninterest income to average assets | 0.1488% | 6,659 |
| Noninterest expense to average assets | 2.6541% | 5,017 |
| Loan and lease loss provision to assets | 0.7441% | 1,139 |
| Net operating income to assets | 0.1695% | 5,888 |
| Return on assets (ROA) | 0.1695% | 5,936 |
| Pretax return on assets | 0.3266% | 5,575 |
| Return on Equity (ROE) | 1.9545% | 5,800 |
| Retained earnings to average equity (ytd only) | 1.9545% | 4,952 |
| Net charge-offs to loans | 0.1174% | 3,828 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 14.3889% | 1,374 |
| Efficiency ratio | 67.7026% | 4,710 |
| Assets per employee ($millions) | 3.0720% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 4,759 |
| Loan loss allowance to noncurrent loans | 64.4055% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.8880% | 3,449 |
| Noncurrent loans to loans | 2.1449% | 3,387 |
| Net loans and leases to total assets | 61.3641% | 3,999 |
| Net loans and leases to deposits | 68.1396% | 4,666 |
| Net loans and leases to core deposits | 70.8877% | 4,939 |
| Total domestic deposits to total assets | 90.0565% | 1,118 |
| Equity capital to assets | 8.5804% | 5,796 |
| Core capital (leverage) ratio | 8.0320% | 6,213 |
| Tier 1 risk-based capital ratio | 12.6752% | 5,090 |
| Total risk-based capital ratio | 13.9418% | 5,049 |
| Memoranda: | ||
| Average total assets | $96,757,500 | 5,088 |
| Average earning assets | $88,186,500 | 5,086 |
| Average equity | $8,391,000 | 5,495 |
| Average total loans | $61,331,000 | 4,941 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1200% | 677 |
| Cost of funding earning assets | 1.9679% | 679 |
| Net interest margin | 4.1520% | 2,360 |
| Noninterest income to average assets | 0.4724% | 4,369 |
| Noninterest expense to average assets | 2.7843% | 4,665 |
| Loan and lease loss provision to assets | 0.2925% | 4,455 |
| Net operating income to assets | 0.8428% | 2,623 |
| Return on assets (ROA) | 0.7540% | 3,107 |
| Pretax return on assets | 1.0769% | 2,673 |
| Return on Equity (ROE) | 8.4554% | 2,514 |
| Retained earnings to average equity (ytd only) | 5.6370% | 2,025 |
| Net charge-offs to loans | 0.0845% | 5,990 |
| Credit loss provision to net charge-offs | 529.4118% | 429 |
| Earnings coverage of net charge-offs (x) | 27.0784% | 804 |
| Efficiency ratio | 61.7818% | 5,765 |
| Assets per employee ($millions) | 3.1737% | 5,731 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,904 |
| Loan loss allowance to noncurrent loans | 82.6297% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.5671% | 3,953 |
| Noncurrent loans to loans | 1.3481% | 4,463 |
| Net loans and leases to total assets | 63.8672% | 3,902 |
| Net loans and leases to deposits | 71.0532% | 4,675 |
| Net loans and leases to core deposits | 73.7791% | 5,001 |
| Total domestic deposits to total assets | 89.8866% | 1,170 |
| Equity capital to assets | 8.7669% | 5,488 |
| Core capital (leverage) ratio | 8.0604% | 6,094 |
| Tier 1 risk-based capital ratio | 12.2702% | 5,238 |
| Total risk-based capital ratio | 13.3614% | 5,357 |
| Memoranda: | ||
| Average total assets | $92,303,000 | 5,214 |
| Average earning assets | $84,657,400 | 5,193 |
| Average equity | $8,231,400 | 5,648 |
| Average total loans | $60,333,000 | 5,060 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1359% | 708 |
| Cost of funding earning assets | 2.0082% | 730 |
| Net interest margin | 4.1277% | 2,498 |
| Noninterest income to average assets | 0.4790% | 4,338 |
| Noninterest expense to average assets | 2.7677% | 4,609 |
| Loan and lease loss provision to assets | 0.2621% | 4,486 |
| Net operating income to assets | 0.8480% | 2,817 |
| Return on assets (ROA) | 0.8299% | 3,020 |
| Pretax return on assets | 1.2055% | 2,466 |
| Return on Equity (ROE) | 9.2652% | 2,400 |
| Retained earnings to average equity (ytd only) | 7.4772% | 1,606 |
| Net charge-offs to loans | 0.0822% | 5,705 |
| Credit loss provision to net charge-offs | 486.4865% | 603 |
| Earnings coverage of net charge-offs (x) | 27.7310% | 928 |
| Efficiency ratio | 61.6672% | 5,672 |
| Assets per employee ($millions) | 2.9209% | 6,324 |
| Cash dividends to net income (ytd only)* | 19.2979% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,446 |
| Loan loss allowance to noncurrent loans | 130.9677% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 4,737 |
| Noncurrent loans to loans | 0.7553% | 5,693 |
| Net loans and leases to total assets | 65.2109% | 3,865 |
| Net loans and leases to deposits | 73.0401% | 4,684 |
| Net loans and leases to core deposits | 75.8987% | 5,069 |
| Total domestic deposits to total assets | 89.2809% | 1,238 |
| Equity capital to assets | 9.1859% | 5,329 |
| Core capital (leverage) ratio | 8.2832% | 5,903 |
| Tier 1 risk-based capital ratio | 12.6282% | 4,869 |
| Total risk-based capital ratio | 13.6336% | 5,067 |
| Memoranda: | ||
| Average total assets | $91,576,250 | 5,307 |
| Average earning assets | $83,919,500 | 5,280 |
| Average equity | $8,202,500 | 5,731 |
| Average total loans | $60,043,000 | 5,146 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1052% | 749 |
| Cost of funding earning assets | 2.0527% | 765 |
| Net interest margin | 4.0525% | 2,777 |
| Noninterest income to average assets | 0.4728% | 4,333 |
| Noninterest expense to average assets | 2.7555% | 4,681 |
| Loan and lease loss provision to assets | 0.2639% | 4,287 |
| Net operating income to assets | 0.8025% | 2,963 |
| Return on assets (ROA) | 0.7873% | 3,178 |
| Pretax return on assets | 1.1391% | 2,633 |
| Return on Equity (ROE) | 8.8672% | 2,522 |
| Retained earnings to average equity (ytd only) | 6.1427% | 2,254 |
| Net charge-offs to loans | 0.0537% | 5,628 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 720 |
| Efficiency ratio | 62.5460% | 5,604 |
| Assets per employee ($millions) | 2.9594% | 6,226 |
| Cash dividends to net income (ytd only)* | 30.7263% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 6,639 |
| Loan loss allowance to noncurrent loans | 100.1764% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 1.2873% | 4,574 |
| Noncurrent loans to loans | 0.9346% | 5,426 |
| Net loans and leases to total assets | 65.5134% | 3,936 |
| Net loans and leases to deposits | 73.8517% | 4,698 |
| Net loans and leases to core deposits | 76.7959% | 5,108 |
| Total domestic deposits to total assets | 88.7094% | 1,597 |
| Equity capital to assets | 8.9863% | 5,469 |
| Core capital (leverage) ratio | 8.1861% | 5,963 |
| Tier 1 risk-based capital ratio | 12.3103% | 5,031 |
| Total risk-based capital ratio | 13.2544% | 5,275 |
| Memoranda: | ||
| Average total assets | $90,945,330 | 5,356 |
| Average earning assets | $83,207,670 | 5,326 |
| Average equity | $8,074,670 | 5,771 |
| Average total loans | $59,537,000 | 5,199 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1244% | 744 |
| Cost of funding earning assets | 2.1235% | 748 |
| Net interest margin | 4.0009% | 2,869 |
| Noninterest income to average assets | 0.5080% | 3,988 |
| Noninterest expense to average assets | 2.7610% | 4,646 |
| Loan and lease loss provision to assets | 0.2651% | 3,909 |
| Net operating income to assets | 0.7835% | 3,037 |
| Return on assets (ROA) | 0.7775% | 3,179 |
| Pretax return on assets | 1.1353% | 2,604 |
| Return on Equity (ROE) | 8.8110% | 2,562 |
| Retained earnings to average equity (ytd only) | 8.8110% | 1,455 |
| Net charge-offs to loans | 0.0068% | 5,510 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 319.0000% | 97 |
| Efficiency ratio | 62.8178% | 5,688 |
| Assets per employee ($millions) | 2.8203% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 6,872 |
| Loan loss allowance to noncurrent loans | 135.1421% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1302% | 4,900 |
| Noncurrent loans to loans | 0.6568% | 6,009 |
| Net loans and leases to total assets | 64.7047% | 4,167 |
| Net loans and leases to deposits | 72.5750% | 4,977 |
| Net loans and leases to core deposits | 76.5960% | 5,181 |
| Total domestic deposits to total assets | 89.1557% | 1,436 |
| Equity capital to assets | 8.9928% | 5,289 |
| Core capital (leverage) ratio | 8.1049% | 6,065 |
| Tier 1 risk-based capital ratio | 12.5113% | 4,735 |
| Total risk-based capital ratio | 13.4067% | 4,998 |
| Memoranda: | ||
| Average total assets | $90,548,000 | 5,434 |
| Average earning assets | $82,881,000 | 5,403 |
| Average equity | $7,990,000 | 5,848 |
| Average total loans | $58,970,500 | 5,293 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3944% | 842 |
| Cost of funding earning assets | 2.5337% | 938 |
| Net interest margin | 3.8607% | 3,436 |
| Noninterest income to average assets | 0.5373% | 4,125 |
| Noninterest expense to average assets | 2.7698% | 5,090 |
| Loan and lease loss provision to assets | 0.2709% | 5,247 |
| Net operating income to assets | 0.7540% | 2,701 |
| Return on assets (ROA) | 0.7540% | 2,796 |
| Pretax return on assets | 1.0463% | 2,430 |
| Return on Equity (ROE) | 9.0253% | 2,018 |
| Retained earnings to average equity (ytd only) | 6.9717% | 968 |
| Net charge-offs to loans | 0.3317% | 4,573 |
| Credit loss provision to net charge-offs | 123.7113% | 4,259 |
| Earnings coverage of net charge-offs (x) | 6.0155% | 2,449 |
| Efficiency ratio | 64.2088% | 5,737 |
| Assets per employee ($millions) | 2.8389% | 6,586 |
| Cash dividends to net income (ytd only)* | 22.7545% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 7,154 |
| Loan loss allowance to noncurrent loans | 74.0095% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.3539% | 4,390 |
| Noncurrent loans to loans | 1.0691% | 5,181 |
| Net loans and leases to total assets | 64.4552% | 4,501 |
| Net loans and leases to deposits | 72.1405% | 5,306 |
| Net loans and leases to core deposits | 85.8087% | 5,539 |
| Total domestic deposits to total assets | 89.3468% | 1,300 |
| Equity capital to assets | 8.6564% | 5,650 |
| Core capital (leverage) ratio | 7.8837% | 6,338 |
| Tier 1 risk-based capital ratio | 12.0910% | 4,858 |
| Total risk-based capital ratio | 12.8864% | 5,215 |
| Memoranda: | ||
| Average total assets | $88,599,000 | 5,431 |
| Average earning assets | $81,462,200 | 5,413 |
| Average equity | $7,401,400 | 6,127 |
| Average total loans | $58,478,000 | 5,319 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4326% | 871 |
| Cost of funding earning assets | 2.6247% | 971 |
| Net interest margin | 3.8079% | 3,623 |
| Noninterest income to average assets | 0.4892% | 4,590 |
| Noninterest expense to average assets | 2.7745% | 5,003 |
| Loan and lease loss provision to assets | 0.2726% | 4,789 |
| Net operating income to assets | 0.7179% | 3,143 |
| Return on assets (ROA) | 0.7179% | 3,212 |
| Pretax return on assets | 0.9465% | 3,071 |
| Return on Equity (ROE) | 8.6742% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.0155% | 1,132 |
| Net charge-offs to loans | 0.2811% | 4,276 |
| Credit loss provision to net charge-offs | 146.3415% | 3,321 |
| Earnings coverage of net charge-offs (x) | 6.5446% | 2,586 |
| Efficiency ratio | 65.8324% | 5,397 |
| Assets per employee ($millions) | 2.7796% | 6,681 |
| Cash dividends to net income (ytd only)* | 7.5952% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 7,093 |
| Loan loss allowance to noncurrent loans | 71.8797% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 4,400 |
| Noncurrent loans to loans | 1.1234% | 5,069 |
| Net loans and leases to total assets | 66.0146% | 4,430 |
| Net loans and leases to deposits | 74.3539% | 5,317 |
| Net loans and leases to core deposits | 89.4083% | 5,493 |
| Total domestic deposits to total assets | 88.7843% | 1,298 |
| Equity capital to assets | 8.8199% | 5,756 |
| Core capital (leverage) ratio | 7.9421% | 6,452 |
| Tier 1 risk-based capital ratio | 11.9995% | 4,980 |
| Total risk-based capital ratio | 12.8188% | 5,308 |
| Memoranda: | ||
| Average total assets | $88,037,250 | 5,478 |
| Average earning assets | $81,023,250 | 5,455 |
| Average equity | $7,285,750 | 6,232 |
| Average total loans | $58,342,000 | 5,365 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4524% | 915 |
| Cost of funding earning assets | 2.7108% | 1,003 |
| Net interest margin | 3.7416% | 3,789 |
| Noninterest income to average assets | 0.4536% | 4,825 |
| Noninterest expense to average assets | 2.6877% | 5,428 |
| Loan and lease loss provision to assets | 0.2736% | 4,390 |
| Net operating income to assets | 0.7158% | 3,181 |
| Return on assets (ROA) | 0.7158% | 3,290 |
| Pretax return on assets | 0.9346% | 3,229 |
| Return on Equity (ROE) | 8.8459% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.8317% | 1,266 |
| Net charge-offs to loans | 0.3893% | 3,252 |
| Credit loss provision to net charge-offs | 106.1947% | 4,337 |
| Earnings coverage of net charge-offs (x) | 4.6903% | 3,035 |
| Efficiency ratio | 65.2428% | 5,665 |
| Assets per employee ($millions) | 2.6853% | 6,867 |
| Cash dividends to net income (ytd only)* | 11.4650% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 7,356 |
| Loan loss allowance to noncurrent loans | 72.2222% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2661% | 4,409 |
| Noncurrent loans to loans | 1.0122% | 5,183 |
| Net loans and leases to total assets | 65.7376% | 4,622 |
| Net loans and leases to deposits | 72.8676% | 5,622 |
| Net loans and leases to core deposits | 87.6369% | 5,752 |
| Total domestic deposits to total assets | 90.2151% | 746 |
| Equity capital to assets | 8.3473% | 6,268 |
| Core capital (leverage) ratio | 7.6672% | 6,806 |
| Tier 1 risk-based capital ratio | 11.6765% | 5,218 |
| Total risk-based capital ratio | 12.4137% | 5,632 |
| Memoranda: | ||
| Average total assets | $87,734,000 | 5,533 |
| Average earning assets | $80,714,000 | 5,508 |
| Average equity | $7,099,330 | 6,336 |
| Average total loans | $58,057,330 | 5,421 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4157% | 1,036 |
| Cost of funding earning assets | 2.7938% | 999 |
| Net interest margin | 3.6219% | 4,230 |
| Noninterest income to average assets | 0.4216% | 5,033 |
| Noninterest expense to average assets | 2.7860% | 4,613 |
| Loan and lease loss provision to assets | 0.2749% | 3,764 |
| Net operating income to assets | 0.5224% | 4,328 |
| Return on assets (ROA) | 0.5224% | 4,515 |
| Pretax return on assets | 0.6873% | 4,474 |
| Return on Equity (ROE) | 6.5607% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.5607% | 2,395 |
| Net charge-offs to loans | 0.7551% | 1,689 |
| Credit loss provision to net charge-offs | 55.0459% | 4,601 |
| Earnings coverage of net charge-offs (x) | 1.9266% | 3,754 |
| Efficiency ratio | 70.4156% | 4,492 |
| Assets per employee ($millions) | 3.0323% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6413% | 7,585 |
| Loan loss allowance to noncurrent loans | 69.9248% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 4,259 |
| Noncurrent loans to loans | 0.9171% | 5,167 |
| Net loans and leases to total assets | 65.5447% | 4,689 |
| Net loans and leases to deposits | 72.3514% | 5,701 |
| Net loans and leases to core deposits | 90.9231% | 5,461 |
| Total domestic deposits to total assets | 90.5921% | 556 |
| Equity capital to assets | 7.9921% | 6,823 |
| Core capital (leverage) ratio | 7.5162% | 7,145 |
| Tier 1 risk-based capital ratio | 11.1509% | 5,758 |
| Total risk-based capital ratio | 11.7777% | 6,282 |
| Memoranda: | ||
| Average total assets | $87,293,000 | 5,574 |
| Average earning assets | $80,178,000 | 5,543 |
| Average equity | $6,950,500 | 6,431 |
| Average total loans | $57,744,500 | 5,464 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8886% | 1,429 |
| Cost of funding earning assets | 2.9629% | 2,017 |
| Net interest margin | 3.9257% | 3,457 |
| Noninterest income to average assets | 0.4485% | 5,049 |
| Noninterest expense to average assets | 2.7992% | 4,818 |
| Loan and lease loss provision to assets | 0.2224% | 4,663 |
| Net operating income to assets | 0.6266% | 4,201 |
| Return on assets (ROA) | 0.1395% | 5,832 |
| Pretax return on assets | 0.2741% | 5,564 |
| Return on Equity (ROE) | 1.6419% | 5,723 |
| Retained earnings to average equity (ytd only) | 0.5803% | 4,892 |
| Net charge-offs to loans | 0.2286% | 3,953 |
| Credit loss provision to net charge-offs | 151.6393% | 3,455 |
| Earnings coverage of net charge-offs (x) | 8.5738% | 2,860 |
| Efficiency ratio | 65.2045% | 5,277 |
| Assets per employee ($millions) | 2.8883% | 6,343 |
| Cash dividends to net income (ytd only)* | 64.6552% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 7,350 |
| Loan loss allowance to noncurrent loans | 38.4968% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 3,601 |
| Noncurrent loans to loans | 1.8981% | 2,906 |
| Net loans and leases to total assets | 65.8507% | 4,876 |
| Net loans and leases to deposits | 72.6533% | 5,985 |
| Net loans and leases to core deposits | 92.3330% | 5,603 |
| Total domestic deposits to total assets | 90.6369% | 448 |
| Equity capital to assets | 7.9320% | 6,923 |
| Core capital (leverage) ratio | 7.5681% | 7,120 |
| Tier 1 risk-based capital ratio | 10.9229% | 5,794 |
| Total risk-based capital ratio | 11.6343% | 6,208 |
| Memoranda: | ||
| Average total assets | $83,166,200 | 5,590 |
| Average earning assets | $76,445,600 | 5,569 |
| Average equity | $7,064,800 | 6,437 |
| Average total loans | $53,374,800 | 5,556 |