Home > Flora Bank & Trust > Performance and Condition Ratios
Flora Bank & Trust, 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 | 4.8162% | 3,427 |
| Cost of funding earning assets | 2.4969% | 869 |
| Net interest margin | 2.3193% | 4,151 |
| Noninterest income to average assets | 0.5300% | 1,608 |
| Noninterest expense to average assets | 2.1480% | 3,252 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 0.3809% | 3,763 |
| Return on assets (ROA) | 0.3809% | 3,787 |
| Pretax return on assets | 0.4495% | 3,783 |
| Return on Equity (ROE) | 7.0500% | 3,115 |
| Retained earnings to average equity (ytd only) | 2.4150% | 3,237 |
| Net charge-offs to loans | -0.0066% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 81.4044% | 854 |
| Assets per employee ($millions) | 7.6958% | 1,752 |
| Cash dividends to net income (ytd only)* | 65.7658% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3838% | 4,316 |
| Loan loss allowance to noncurrent loans | 294.8052% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,211 |
| Noncurrent loans to loans | 0.1302% | 3,033 |
| Net loans and leases to total assets | 51.0400% | 3,518 |
| Net loans and leases to deposits | 54.2780% | 3,720 |
| Net loans and leases to core deposits | 58.6475% | 3,739 |
| Total domestic deposits to total assets | 94.0400% | 70 |
| Equity capital to assets | 5.5390% | 4,317 |
| Core capital (leverage) ratio | 8.9627% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1300% | 1,481 |
| Memoranda: | ||
| Average total assets | $116,574,000 | 3,636 |
| Average earning assets | $105,892,500 | 3,651 |
| Average equity | $6,294,000 | 4,138 |
| Average total loans | $60,789,000 | 3,689 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 3,760 |
| Cost of funding earning assets | 2.7609% | 762 |
| Net interest margin | 1.8324% | 4,323 |
| Noninterest income to average assets | 0.5900% | 1,538 |
| Noninterest expense to average assets | 2.1393% | 3,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1173% | 4,070 |
| Return on assets (ROA) | 0.1173% | 4,100 |
| Pretax return on assets | 0.1147% | 4,112 |
| Return on Equity (ROE) | 2.1200% | 3,967 |
| Retained earnings to average equity (ytd only) | 0.3111% | 3,837 |
| Net charge-offs to loans | 0.0155% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 14.7778% | 2,046 |
| Efficiency ratio | 94.9120% | 367 |
| Assets per employee ($millions) | 7.3569% | 1,935 |
| Cash dividends to net income (ytd only)* | 85.2941% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3364% | 4,349 |
| Loan loss allowance to noncurrent loans | 272.7273% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,209 |
| Noncurrent loans to loans | 0.1233% | 3,025 |
| Net loans and leases to total assets | 52.8600% | 3,472 |
| Net loans and leases to deposits | 56.0178% | 3,715 |
| Net loans and leases to core deposits | 66.3464% | 3,508 |
| Total domestic deposits to total assets | 94.3600% | 83 |
| Equity capital to assets | 5.2620% | 4,320 |
| Core capital (leverage) ratio | 8.7651% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3605% | 1,733 |
| Memoranda: | ||
| Average total assets | $115,970,200 | 3,642 |
| Average earning assets | $105,438,200 | 3,648 |
| Average equity | $6,428,400 | 4,112 |
| Average total loans | $58,131,600 | 3,721 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4775% | 3,867 |
| Cost of funding earning assets | 2.7088% | 828 |
| Net interest margin | 1.7687% | 4,363 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 2.1338% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.0635% | 4,157 |
| Return on assets (ROA) | 0.0635% | 4,188 |
| Pretax return on assets | 0.0669% | 4,180 |
| Return on Equity (ROE) | 1.1300% | 4,114 |
| Retained earnings to average equity (ytd only) | -1.0893% | 4,143 |
| Net charge-offs to loans | 0.0210% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 6.4444% | 2,310 |
| Efficiency ratio | 96.9586% | 337 |
| Assets per employee ($millions) | 6.6231% | 2,419 |
| Cash dividends to net income (ytd only)* | 196.3636% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3379% | 4,389 |
| Loan loss allowance to noncurrent loans | 258.2278% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,256 |
| Noncurrent loans to loans | 0.1308% | 3,020 |
| Net loans and leases to total assets | 50.4800% | 3,609 |
| Net loans and leases to deposits | 53.8179% | 3,824 |
| Net loans and leases to core deposits | 71.8531% | 3,303 |
| Total domestic deposits to total assets | 93.7900% | 45 |
| Equity capital to assets | 5.8038% | 4,371 |
| Core capital (leverage) ratio | 9.1469% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6748% | 1,635 |
| Memoranda: | ||
| Average total assets | $115,535,000 | 3,656 |
| Average earning assets | $105,086,750 | 3,669 |
| Average equity | $6,487,000 | 4,125 |
| Average total loans | $57,057,250 | 3,739 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 3,883 |
| Cost of funding earning assets | 2.6511% | 841 |
| Net interest margin | 1.7757% | 4,373 |
| Noninterest income to average assets | 0.5900% | 1,488 |
| Noninterest expense to average assets | 2.1608% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0420% | 4,183 |
| Return on assets (ROA) | 0.0420% | 4,213 |
| Pretax return on assets | 0.0420% | 4,203 |
| Return on Equity (ROE) | 0.7600% | 4,170 |
| Retained earnings to average equity (ytd only) | -2.6486% | 4,194 |
| Net charge-offs to loans | 0.0357% | 1,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 2,405 |
| Efficiency ratio | 98.0937% | 329 |
| Assets per employee ($millions) | 6.8021% | 2,203 |
| Cash dividends to net income (ytd only)* | 450.0000% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3578% | 4,398 |
| Loan loss allowance to noncurrent loans | 253.7500% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 3,198 |
| Noncurrent loans to loans | 0.1410% | 2,944 |
| Net loans and leases to total assets | 48.8800% | 3,700 |
| Net loans and leases to deposits | 51.8758% | 3,902 |
| Net loans and leases to core deposits | 74.2682% | 3,141 |
| Total domestic deposits to total assets | 94.2300% | 78 |
| Equity capital to assets | 5.3461% | 4,328 |
| Core capital (leverage) ratio | 9.3355% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3017% | 1,441 |
| Memoranda: | ||
| Average total assets | $114,308,333 | 3,677 |
| Average earning assets | $103,957,333 | 3,692 |
| Average equity | $6,343,000 | 4,145 |
| Average total loans | $55,949,333 | 3,761 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4409% | 3,768 |
| Cost of funding earning assets | 2.6870% | 727 |
| Net interest margin | 1.7539% | 4,406 |
| Noninterest income to average assets | 0.5900% | 1,395 |
| Noninterest expense to average assets | 2.1717% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0106% | 4,214 |
| Return on assets (ROA) | 0.0106% | 4,250 |
| Pretax return on assets | 0.0106% | 4,239 |
| Return on Equity (ROE) | 0.1900% | 4,234 |
| Retained earnings to average equity (ytd only) | -6.9121% | 4,211 |
| Net charge-offs to loans | 0.0720% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.3000% | 2,117 |
| Efficiency ratio | 99.5161% | 302 |
| Assets per employee ($millions) | 6.5682% | 2,400 |
| Cash dividends to net income (ytd only)* | 3,800.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3691% | 4,383 |
| Loan loss allowance to noncurrent loans | 247.5610% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,160 |
| Noncurrent loans to loans | 0.1491% | 2,868 |
| Net loans and leases to total assets | 49.0700% | 3,657 |
| Net loans and leases to deposits | 52.2285% | 3,840 |
| Net loans and leases to core deposits | 69.4826% | 3,361 |
| Total domestic deposits to total assets | 93.9600% | 125 |
| Equity capital to assets | 5.5965% | 4,285 |
| Core capital (leverage) ratio | 9.1404% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7218% | 1,351 |
| Memoranda: | ||
| Average total assets | $113,644,500 | 3,701 |
| Average earning assets | $103,311,500 | 3,715 |
| Average equity | $6,423,500 | 4,153 |
| Average total loans | $55,559,000 | 3,776 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 3,673 |
| Cost of funding earning assets | 1.4763% | 1,673 |
| Net interest margin | 2.6189% | 4,005 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.0898% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7907% | 3,048 |
| Return on assets (ROA) | 0.7680% | 3,112 |
| Pretax return on assets | 0.9869% | 2,895 |
| Return on Equity (ROE) | 14.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 9.9896% | 1,402 |
| Net charge-offs to loans | 0.0254% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 84.9000% | 1,012 |
| Efficiency ratio | 67.2958% | 2,098 |
| Assets per employee ($millions) | 6.3132% | 2,484 |
| Cash dividends to net income (ytd only)* | 32.8660% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3501% | 4,428 |
| Loan loss allowance to noncurrent loans | 165.7407% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 2,907 |
| Noncurrent loans to loans | 0.2112% | 2,505 |
| Net loans and leases to total assets | 47.4800% | 3,767 |
| Net loans and leases to deposits | 50.3433% | 3,921 |
| Net loans and leases to core deposits | 66.1431% | 3,420 |
| Total domestic deposits to total assets | 94.3100% | 162 |
| Equity capital to assets | 5.0902% | 4,233 |
| Core capital (leverage) ratio | 10.0054% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0825% | 1,084 |
| Memoranda: | ||
| Average total assets | $111,458,750 | 3,745 |
| Average earning assets | $100,702,500 | 3,751 |
| Average equity | $5,752,500 | 4,194 |
| Average total loans | $52,473,000 | 3,812 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,572 |
| Cost of funding earning assets | 1.4198% | 1,392 |
| Net interest margin | 2.6378% | 4,061 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.1252% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8351% | 2,974 |
| Return on assets (ROA) | 0.8029% | 3,080 |
| Pretax return on assets | 1.0599% | 2,748 |
| Return on Equity (ROE) | 15.4900% | 1,367 |
| Retained earnings to average equity (ytd only) | 8.7536% | 1,749 |
| Net charge-offs to loans | -0.0038% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.8791% | 2,255 |
| Assets per employee ($millions) | 6.1973% | 2,544 |
| Cash dividends to net income (ytd only)* | 43.4879% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3561% | 4,458 |
| Loan loss allowance to noncurrent loans | 133.8028% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 2,658 |
| Noncurrent loans to loans | 0.2661% | 2,207 |
| Net loans and leases to total assets | 47.6700% | 3,704 |
| Net loans and leases to deposits | 50.6400% | 3,892 |
| Net loans and leases to core deposits | 64.9100% | 3,398 |
| Total domestic deposits to total assets | 94.1300% | 145 |
| Equity capital to assets | 5.3302% | 4,323 |
| Core capital (leverage) ratio | 9.5788% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3915% | 1,240 |
| Memoranda: | ||
| Average total assets | $112,837,000 | 3,739 |
| Average earning assets | $102,130,000 | 3,756 |
| Average equity | $5,849,000 | 4,207 |
| Average total loans | $52,919,000 | 3,823 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 3,534 |
| Cost of funding earning assets | 1.3870% | 1,047 |
| Net interest margin | 2.5719% | 4,238 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.0268% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6351% | 3,621 |
| Return on assets (ROA) | 0.5710% | 3,712 |
| Pretax return on assets | 0.7226% | 3,615 |
| Return on Equity (ROE) | 11.1700% | 2,447 |
| Retained earnings to average equity (ytd only) | -1.0344% | 4,129 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.6065% | 1,568 |
| Assets per employee ($millions) | 6.7304% | 2,168 |
| Cash dividends to net income (ytd only)* | 109.2593% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3539% | 4,519 |
| Loan loss allowance to noncurrent loans | 1,575.0000% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 3,756 |
| Noncurrent loans to loans | 0.0225% | 3,611 |
| Net loans and leases to total assets | 46.5100% | 3,748 |
| Net loans and leases to deposits | 49.2722% | 3,921 |
| Net loans and leases to core deposits | 62.3160% | 3,428 |
| Total domestic deposits to total assets | 94.3900% | 140 |
| Equity capital to assets | 5.1356% | 4,397 |
| Core capital (leverage) ratio | 9.1307% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8292% | 1,412 |
| Memoranda: | ||
| Average total assets | $113,479,500 | 3,786 |
| Average earning assets | $102,957,000 | 3,793 |
| Average equity | $5,800,500 | 4,266 |
| Average total loans | $52,697,000 | 3,869 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1829% | 3,846 |
| Cost of funding earning assets | 0.3640% | 2,374 |
| Net interest margin | 2.8189% | 3,850 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.0644% | 3,403 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9584% | 2,733 |
| Return on assets (ROA) | 0.9584% | 2,682 |
| Pretax return on assets | 1.2008% | 2,432 |
| Return on Equity (ROE) | 16.2700% | 999 |
| Retained earnings to average equity (ytd only) | 13.4620% | 456 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.3737% | 2,711 |
| Assets per employee ($millions) | 6.6201% | 2,246 |
| Cash dividends to net income (ytd only)* | 17.2481% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3635% | 4,522 |
| Loan loss allowance to noncurrent loans | 79.0795% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 2,096 |
| Noncurrent loans to loans | 0.4597% | 1,560 |
| Net loans and leases to total assets | 46.0300% | 3,799 |
| Net loans and leases to deposits | 51.0968% | 3,854 |
| Net loans and leases to core deposits | 62.8579% | 3,340 |
| Total domestic deposits to total assets | 90.0900% | 1,326 |
| Equity capital to assets | 5.0870% | 4,347 |
| Core capital (leverage) ratio | 9.6311% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0767% | 1,352 |
| Memoranda: | ||
| Average total assets | $107,680,400 | 3,856 |
| Average earning assets | $98,086,200 | 3,855 |
| Average equity | $6,343,800 | 4,290 |
| Average total loans | $45,517,600 | 3,967 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0311% | 3,832 |
| Cost of funding earning assets | 0.2416% | 2,798 |
| Net interest margin | 2.7895% | 3,755 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.0238% | 3,420 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7552% | 3,403 |
| Return on assets (ROA) | 0.7552% | 3,353 |
| Pretax return on assets | 0.9706% | 3,111 |
| Return on Equity (ROE) | 12.3700% | 1,920 |
| Retained earnings to average equity (ytd only) | 8.7197% | 1,749 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.8874% | 2,168 |
| Assets per employee ($millions) | 6.9390% | 1,994 |
| Cash dividends to net income (ytd only)* | 29.5191% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3631% | 4,557 |
| Loan loss allowance to noncurrent loans | 50.0000% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 1,666 |
| Noncurrent loans to loans | 0.7263% | 1,122 |
| Net loans and leases to total assets | 43.7600% | 3,888 |
| Net loans and leases to deposits | 48.2254% | 3,945 |
| Net loans and leases to core deposits | 57.1949% | 3,551 |
| Total domestic deposits to total assets | 90.7400% | 1,337 |
| Equity capital to assets | 4.1908% | 4,453 |
| Core capital (leverage) ratio | 9.5519% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8434% | 1,212 |
| Memoranda: | ||
| Average total assets | $106,465,000 | 3,891 |
| Average earning assets | $97,125,000 | 3,891 |
| Average equity | $6,498,500 | 4,314 |
| Average total loans | $43,898,500 | 4,020 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8663% | 3,861 |
| Cost of funding earning assets | 0.2071% | 2,822 |
| Net interest margin | 2.6593% | 3,795 |
| Noninterest income to average assets | 0.4606% | 2,395 |
| Noninterest expense to average assets | 1.9933% | 3,443 |
| Loan and lease loss provision to assets | 0.0298% | 2,052 |
| Net operating income to assets | 0.6881% | 3,348 |
| Return on assets (ROA) | 0.6881% | 3,305 |
| Pretax return on assets | 0.8801% | 3,117 |
| Return on Equity (ROE) | 10.2348% | 2,247 |
| Retained earnings to average equity (ytd only) | 5.2977% | 2,589 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6577% | 2,147 |
| Assets per employee ($millions) | 7.1813% | 1,823 |
| Cash dividends to net income (ytd only)* | 48.2385% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3634% | 4,634 |
| Loan loss allowance to noncurrent loans | 67.6724% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 2,240 |
| Noncurrent loans to loans | 0.5370% | 1,541 |
| Net loans and leases to total assets | 39.9577% | 4,075 |
| Net loans and leases to deposits | 41.9178% | 4,193 |
| Net loans and leases to core deposits | 51.7954% | 3,829 |
| Total domestic deposits to total assets | 95.3239% | 120 |
| Equity capital to assets | 4.4477% | 4,566 |
| Core capital (leverage) ratio | 8.9706% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9958% | 1,191 |
| Memoranda: | ||
| Average total assets | $107,258,333 | 3,924 |
| Average earning assets | $98,522,667 | 3,924 |
| Average equity | $7,210,667 | 4,294 |
| Average total loans | $43,294,000 | 4,081 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7531% | 3,836 |
| Cost of funding earning assets | 0.1981% | 2,827 |
| Net interest margin | 2.5550% | 3,776 |
| Noninterest income to average assets | 0.4560% | 2,376 |
| Noninterest expense to average assets | 2.0219% | 3,382 |
| Loan and lease loss provision to assets | 0.0262% | 1,895 |
| Net operating income to assets | 0.6129% | 3,357 |
| Return on assets (ROA) | 0.6129% | 3,338 |
| Pretax return on assets | 0.7699% | 3,201 |
| Return on Equity (ROE) | 7.7905% | 2,763 |
| Retained earnings to average equity (ytd only) | -0.5700% | 4,090 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7507% | 2,010 |
| Assets per employee ($millions) | 7.1906% | 1,866 |
| Cash dividends to net income (ytd only)* | 107.3171% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3539% | 4,668 |
| Loan loss allowance to noncurrent loans | 157.4468% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 3,203 |
| Noncurrent loans to loans | 0.2248% | 2,695 |
| Net loans and leases to total assets | 38.6328% | 4,088 |
| Net loans and leases to deposits | 41.4625% | 4,179 |
| Net loans and leases to core deposits | 50.9364% | 3,813 |
| Total domestic deposits to total assets | 93.1753% | 231 |
| Equity capital to assets | 6.6531% | 4,362 |
| Core capital (leverage) ratio | 8.9350% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3018% | 1,187 |
| Memoranda: | ||
| Average total assets | $107,028,000 | 3,946 |
| Average earning assets | $98,944,000 | 3,941 |
| Average equity | $8,420,500 | 4,225 |
| Average total loans | $43,341,500 | 4,095 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8944% | 4,063 |
| Cost of funding earning assets | 0.2007% | 3,455 |
| Net interest margin | 2.6938% | 3,885 |
| Noninterest income to average assets | 0.4720% | 2,710 |
| Noninterest expense to average assets | 2.0687% | 3,477 |
| Loan and lease loss provision to assets | 0.0348% | 2,357 |
| Net operating income to assets | 0.7128% | 3,597 |
| Return on assets (ROA) | 0.7128% | 3,651 |
| Pretax return on assets | 0.8743% | 3,560 |
| Return on Equity (ROE) | 7.8082% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.3779% | 2,187 |
| Net charge-offs to loans | 0.1600% | 601 |
| Credit loss provision to net charge-offs | 50.7042% | 2,130 |
| Earnings coverage of net charge-offs (x) | 13.2394% | 2,083 |
| Efficiency ratio | 69.4706% | 1,795 |
| Assets per employee ($millions) | 6.6373% | 2,206 |
| Cash dividends to net income (ytd only)* | 18.3175% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3143% | 4,718 |
| Loan loss allowance to noncurrent loans | 313.3333% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,708 |
| Noncurrent loans to loans | 0.1003% | 3,427 |
| Net loans and leases to total assets | 42.1151% | 3,974 |
| Net loans and leases to deposits | 46.3967% | 4,075 |
| Net loans and leases to core deposits | 57.5471% | 3,510 |
| Total domestic deposits to total assets | 90.7719% | 595 |
| Equity capital to assets | 9.1010% | 3,512 |
| Core capital (leverage) ratio | 9.2352% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6258% | 1,135 |
| Memoranda: | ||
| Average total assets | $103,397,400 | 3,960 |
| Average earning assets | $96,184,600 | 3,952 |
| Average equity | $9,438,800 | 4,199 |
| Average total loans | $44,388,200 | 4,102 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9027% | 4,169 |
| Cost of funding earning assets | 0.2049% | 3,557 |
| Net interest margin | 2.6977% | 3,980 |
| Noninterest income to average assets | 0.4661% | 2,770 |
| Noninterest expense to average assets | 2.0383% | 3,561 |
| Loan and lease loss provision to assets | 0.0389% | 2,215 |
| Net operating income to assets | 0.6920% | 3,783 |
| Return on assets (ROA) | 0.6920% | 3,851 |
| Pretax return on assets | 0.9010% | 3,692 |
| Return on Equity (ROE) | 7.5744% | 3,513 |
| Retained earnings to average equity (ytd only) | 5.6559% | 2,976 |
| Net charge-offs to loans | 0.2138% | 386 |
| Credit loss provision to net charge-offs | 42.2535% | 1,904 |
| Earnings coverage of net charge-offs (x) | 10.1972% | 2,044 |
| Efficiency ratio | 68.4394% | 1,771 |
| Assets per employee ($millions) | 6.3664% | 2,361 |
| Cash dividends to net income (ytd only)* | 25.3283% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3199% | 4,806 |
| Loan loss allowance to noncurrent loans | 198.5294% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,657 |
| Noncurrent loans to loans | 0.1611% | 3,317 |
| Net loans and leases to total assets | 41.2996% | 4,126 |
| Net loans and leases to deposits | 45.8273% | 4,238 |
| Net loans and leases to core deposits | 54.5402% | 3,881 |
| Total domestic deposits to total assets | 90.1201% | 719 |
| Equity capital to assets | 9.4784% | 3,394 |
| Core capital (leverage) ratio | 9.3351% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4888% | 1,050 |
| Memoranda: | ||
| Average total assets | $102,697,500 | 4,023 |
| Average earning assets | $95,633,750 | 4,001 |
| Average equity | $9,382,250 | 4,267 |
| Average total loans | $44,268,750 | 4,158 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9147% | 4,201 |
| Cost of funding earning assets | 0.2036% | 3,713 |
| Net interest margin | 2.7111% | 3,957 |
| Noninterest income to average assets | 0.4506% | 2,837 |
| Noninterest expense to average assets | 2.0393% | 3,580 |
| Loan and lease loss provision to assets | 0.0233% | 2,503 |
| Net operating income to assets | 0.7070% | 3,745 |
| Return on assets (ROA) | 0.7070% | 3,811 |
| Pretax return on assets | 0.9225% | 3,611 |
| Return on Equity (ROE) | 7.8353% | 3,447 |
| Retained earnings to average equity (ytd only) | 4.9293% | 3,209 |
| Net charge-offs to loans | -0.0089% | 3,628 |
| Credit loss provision to net charge-offs | -600.0000% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3149% | 1,840 |
| Assets per employee ($millions) | 6.3671% | 2,263 |
| Cash dividends to net income (ytd only)* | 37.0879% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4562% | 4,769 |
| Loan loss allowance to noncurrent loans | 20.8562% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 868 |
| Noncurrent loans to loans | 2.1874% | 411 |
| Net loans and leases to total assets | 40.6948% | 4,260 |
| Net loans and leases to deposits | 45.0673% | 4,347 |
| Net loans and leases to core deposits | 53.2914% | 4,058 |
| Total domestic deposits to total assets | 90.2977% | 647 |
| Equity capital to assets | 9.2605% | 3,550 |
| Core capital (leverage) ratio | 8.8674% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7089% | 856 |
| Memoranda: | ||
| Average total assets | $102,975,667 | 4,037 |
| Average earning assets | $96,270,333 | 4,015 |
| Average equity | $9,291,333 | 4,291 |
| Average total loans | $44,957,000 | 4,175 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8704% | 4,292 |
| Cost of funding earning assets | 0.1952% | 3,954 |
| Net interest margin | 2.6751% | 4,016 |
| Noninterest income to average assets | 0.4134% | 3,017 |
| Noninterest expense to average assets | 2.0169% | 3,668 |
| Loan and lease loss provision to assets | 0.0232% | 2,480 |
| Net operating income to assets | 0.6607% | 3,797 |
| Return on assets (ROA) | 0.6607% | 3,873 |
| Pretax return on assets | 0.8616% | 3,690 |
| Return on Equity (ROE) | 7.4187% | 3,494 |
| Retained earnings to average equity (ytd only) | 1.6486% | 4,084 |
| Net charge-offs to loans | -0.0086% | 3,614 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5073% | 1,758 |
| Assets per employee ($millions) | 6.6912% | 2,007 |
| Cash dividends to net income (ytd only)* | 77.7778% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3972% | 4,829 |
| Loan loss allowance to noncurrent loans | 24.2706% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 1,329 |
| Noncurrent loans to loans | 1.6365% | 739 |
| Net loans and leases to total assets | 42.8642% | 4,185 |
| Net loans and leases to deposits | 48.9472% | 4,222 |
| Net loans and leases to core deposits | 57.6696% | 3,859 |
| Total domestic deposits to total assets | 87.5723% | 2,057 |
| Equity capital to assets | 8.3926% | 4,198 |
| Core capital (leverage) ratio | 8.8673% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0729% | 918 |
| Memoranda: | ||
| Average total assets | $103,527,000 | 4,033 |
| Average earning assets | $96,294,500 | 4,018 |
| Average equity | $9,220,000 | 4,309 |
| Average total loans | $46,612,000 | 4,162 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 3,817 |
| Cost of funding earning assets | 0.3273% | 3,994 |
| Net interest margin | 3.2718% | 3,153 |
| Noninterest income to average assets | 0.3921% | 3,137 |
| Noninterest expense to average assets | 2.5530% | 2,690 |
| Loan and lease loss provision to assets | 0.0278% | 4,051 |
| Net operating income to assets | 0.6542% | 3,575 |
| Return on assets (ROA) | 0.6542% | 3,709 |
| Pretax return on assets | 0.8375% | 3,542 |
| Return on Equity (ROE) | 6.3027% | 3,484 |
| Retained earnings to average equity (ytd only) | 4.8276% | 2,357 |
| Net charge-offs to loans | 0.1790% | 937 |
| Credit loss provision to net charge-offs | 28.2353% | 3,224 |
| Earnings coverage of net charge-offs (x) | 8.7765% | 2,574 |
| Efficiency ratio | 74.6861% | 1,366 |
| Assets per employee ($millions) | 5.8821% | 2,458 |
| Cash dividends to net income (ytd only)* | 23.4043% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3733% | 4,869 |
| Loan loss allowance to noncurrent loans | 21.9725% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 1,278 |
| Noncurrent loans to loans | 1.6988% | 749 |
| Net loans and leases to total assets | 46.9773% | 4,056 |
| Net loans and leases to deposits | 54.5099% | 4,087 |
| Net loans and leases to core deposits | 61.8003% | 3,839 |
| Total domestic deposits to total assets | 86.1813% | 2,289 |
| Equity capital to assets | 9.4555% | 3,656 |
| Core capital (leverage) ratio | 9.2597% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9694% | 905 |
| Memoranda: | ||
| Average total assets | $86,213,000 | 4,171 |
| Average earning assets | $79,741,800 | 4,161 |
| Average equity | $8,948,600 | 4,323 |
| Average total loans | $47,488,800 | 4,157 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 3,806 |
| Cost of funding earning assets | 0.3710% | 3,953 |
| Net interest margin | 3.3255% | 3,113 |
| Noninterest income to average assets | 0.4865% | 2,670 |
| Noninterest expense to average assets | 2.5935% | 2,547 |
| Loan and lease loss provision to assets | 0.0290% | 3,967 |
| Net operating income to assets | 0.7152% | 3,414 |
| Return on assets (ROA) | 0.7152% | 3,512 |
| Pretax return on assets | 0.9392% | 3,267 |
| Return on Equity (ROE) | 6.7103% | 3,309 |
| Retained earnings to average equity (ytd only) | 4.7305% | 2,678 |
| Net charge-offs to loans | 0.2130% | 715 |
| Credit loss provision to net charge-offs | 23.6842% | 2,972 |
| Earnings coverage of net charge-offs (x) | 7.9079% | 2,538 |
| Efficiency ratio | 72.8177% | 1,541 |
| Assets per employee ($millions) | 5.2993% | 2,895 |
| Cash dividends to net income (ytd only)* | 29.5045% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3494% | 4,911 |
| Loan loss allowance to noncurrent loans | 20.8382% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 1,130 |
| Noncurrent loans to loans | 1.6769% | 823 |
| Net loans and leases to total assets | 53.5136% | 3,843 |
| Net loans and leases to deposits | 62.4388% | 3,902 |
| Net loans and leases to core deposits | 71.0448% | 3,552 |
| Total domestic deposits to total assets | 85.7056% | 2,174 |
| Equity capital to assets | 9.6145% | 3,589 |
| Core capital (leverage) ratio | 9.8219% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6675% | 954 |
| Memoranda: | ||
| Average total assets | $82,767,500 | 4,218 |
| Average earning assets | $76,537,750 | 4,216 |
| Average equity | $8,822,000 | 4,351 |
| Average total loans | $47,573,250 | 4,171 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,673 |
| Cost of funding earning assets | 0.4414% | 3,835 |
| Net interest margin | 3.4399% | 2,974 |
| Noninterest income to average assets | 0.5143% | 2,511 |
| Noninterest expense to average assets | 2.7342% | 2,278 |
| Loan and lease loss provision to assets | 0.0305% | 3,877 |
| Net operating income to assets | 0.6899% | 3,424 |
| Return on assets (ROA) | 0.6899% | 3,526 |
| Pretax return on assets | 0.9038% | 3,305 |
| Return on Equity (ROE) | 6.2258% | 3,431 |
| Retained earnings to average equity (ytd only) | 3.2163% | 3,297 |
| Net charge-offs to loans | 0.3322% | 490 |
| Credit loss provision to net charge-offs | 15.5844% | 2,741 |
| Earnings coverage of net charge-offs (x) | 4.7662% | 2,574 |
| Efficiency ratio | 74.5316% | 1,413 |
| Assets per employee ($millions) | 4.9617% | 3,213 |
| Cash dividends to net income (ytd only)* | 48.3395% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3489% | 4,935 |
| Loan loss allowance to noncurrent loans | 15.7078% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 772 |
| Noncurrent loans to loans | 2.2211% | 568 |
| Net loans and leases to total assets | 55.0067% | 3,779 |
| Net loans and leases to deposits | 64.7609% | 3,825 |
| Net loans and leases to core deposits | 72.5389% | 3,557 |
| Total domestic deposits to total assets | 84.9380% | 2,426 |
| Equity capital to assets | 10.0581% | 3,156 |
| Core capital (leverage) ratio | 10.1033% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5976% | 1,114 |
| Memoranda: | ||
| Average total assets | $78,561,000 | 4,271 |
| Average earning assets | $72,037,667 | 4,274 |
| Average equity | $8,705,667 | 4,372 |
| Average total loans | $46,356,333 | 4,205 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 3,231 |
| Cost of funding earning assets | 0.5281% | 3,808 |
| Net interest margin | 3.6664% | 2,446 |
| Noninterest income to average assets | 0.6012% | 2,037 |
| Noninterest expense to average assets | 2.9842% | 1,919 |
| Loan and lease loss provision to assets | 0.0328% | 3,360 |
| Net operating income to assets | 0.6996% | 3,270 |
| Return on assets (ROA) | 0.6996% | 3,345 |
| Pretax return on assets | 0.9237% | 3,068 |
| Return on Equity (ROE) | 5.9764% | 3,327 |
| Retained earnings to average equity (ytd only) | -0.0934% | 4,004 |
| Net charge-offs to loans | 0.8020% | 189 |
| Credit loss provision to net charge-offs | 6.6667% | 2,237 |
| Earnings coverage of net charge-offs (x) | 1.9444% | 2,328 |
| Efficiency ratio | 75.7282% | 1,593 |
| Assets per employee ($millions) | 4.1621% | 3,706 |
| Cash dividends to net income (ytd only)* | 101.5625% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2826% | 5,000 |
| Loan loss allowance to noncurrent loans | 18.8148% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 1,108 |
| Noncurrent loans to loans | 1.5021% | 1,065 |
| Net loans and leases to total assets | 59.8129% | 3,518 |
| Net loans and leases to deposits | 67.5969% | 3,754 |
| Net loans and leases to core deposits | 72.9413% | 3,702 |
| Total domestic deposits to total assets | 88.4846% | 888 |
| Equity capital to assets | 11.2805% | 2,607 |
| Core capital (leverage) ratio | 11.7804% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1405% | 963 |
| Memoranda: | ||
| Average total assets | $73,186,000 | 4,357 |
| Average earning assets | $66,658,500 | 4,374 |
| Average equity | $8,567,000 | 4,413 |
| Average total loans | $44,885,000 | 4,252 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 3,342 |
| Cost of funding earning assets | 0.5499% | 3,876 |
| Net interest margin | 3.8174% | 2,448 |
| Noninterest income to average assets | 0.6827% | 1,877 |
| Noninterest expense to average assets | 3.2580% | 1,389 |
| Loan and lease loss provision to assets | 0.0643% | 2,742 |
| Net operating income to assets | 0.6013% | 4,156 |
| Return on assets (ROA) | 0.6013% | 4,214 |
| Pretax return on assets | 0.8013% | 3,970 |
| Return on Equity (ROE) | 4.9596% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.8758% | 3,032 |
| Net charge-offs to loans | -0.0348% | 4,744 |
| Credit loss provision to net charge-offs | -281.2500% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0094% | 1,034 |
| Assets per employee ($millions) | 3.9697% | 3,939 |
| Cash dividends to net income (ytd only)* | 21.8527% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5309% | 4,852 |
| Loan loss allowance to noncurrent loans | 109.6774% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 2,616 |
| Noncurrent loans to loans | 0.4840% | 2,738 |
| Net loans and leases to total assets | 62.4099% | 3,362 |
| Net loans and leases to deposits | 71.3794% | 3,557 |
| Net loans and leases to core deposits | 77.3695% | 3,490 |
| Total domestic deposits to total assets | 87.4340% | 1,394 |
| Equity capital to assets | 12.1517% | 2,041 |
| Core capital (leverage) ratio | 12.1718% | 1,670 |
| Tier 1 risk-based capital ratio | 19.8997% | 1,342 |
| Total risk-based capital ratio | 20.4470% | 1,444 |
| Memoranda: | ||
| Average total assets | $70,011,600 | 4,429 |
| Average earning assets | $63,105,600 | 4,458 |
| Average equity | $8,488,600 | 4,450 |
| Average total loans | $45,937,400 | 4,261 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 3,361 |
| Cost of funding earning assets | 0.5472% | 3,947 |
| Net interest margin | 3.8514% | 2,425 |
| Noninterest income to average assets | 0.6872% | 1,841 |
| Noninterest expense to average assets | 3.2964% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6375% | 4,194 |
| Return on assets (ROA) | 0.6375% | 4,243 |
| Pretax return on assets | 0.8538% | 3,996 |
| Return on Equity (ROE) | 5.2605% | 4,250 |
| Retained earnings to average equity (ytd only) | 3.8072% | 3,492 |
| Net charge-offs to loans | -0.0779% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4280% | 971 |
| Assets per employee ($millions) | 3.4657% | 4,532 |
| Cash dividends to net income (ytd only)* | 27.6267% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4466% | 5,025 |
| Loan loss allowance to noncurrent loans | 184.5455% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 3,323 |
| Noncurrent loans to loans | 0.2420% | 3,676 |
| Net loans and leases to total assets | 65.2870% | 3,146 |
| Net loans and leases to deposits | 74.9482% | 3,390 |
| Net loans and leases to core deposits | 80.0088% | 3,388 |
| Total domestic deposits to total assets | 87.1094% | 1,462 |
| Equity capital to assets | 12.4304% | 1,965 |
| Core capital (leverage) ratio | 12.5228% | 1,554 |
| Tier 1 risk-based capital ratio | 19.6148% | 1,437 |
| Total risk-based capital ratio | 20.0820% | 1,570 |
| Memoranda: | ||
| Average total assets | $69,650,750 | 4,489 |
| Average earning assets | $62,625,500 | 4,517 |
| Average equity | $8,440,000 | 4,503 |
| Average total loans | $46,213,500 | 4,307 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 3,462 |
| Cost of funding earning assets | 0.5387% | 3,937 |
| Net interest margin | 3.8187% | 2,524 |
| Noninterest income to average assets | 0.6880% | 1,765 |
| Noninterest expense to average assets | 3.2711% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6307% | 4,217 |
| Return on assets (ROA) | 0.6307% | 4,265 |
| Pretax return on assets | 0.8515% | 3,969 |
| Return on Equity (ROE) | 5.2498% | 4,276 |
| Retained earnings to average equity (ytd only) | 3.2214% | 3,615 |
| Net charge-offs to loans | -0.1162% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3463% | 1,026 |
| Assets per employee ($millions) | 3.1796% | 4,781 |
| Cash dividends to net income (ytd only)* | 38.6364% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4386% | 5,075 |
| Loan loss allowance to noncurrent loans | 472.0930% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 3,749 |
| Noncurrent loans to loans | 0.0929% | 4,268 |
| Net loans and leases to total assets | 65.8718% | 3,129 |
| Net loans and leases to deposits | 75.4030% | 3,382 |
| Net loans and leases to core deposits | 78.7725% | 3,522 |
| Total domestic deposits to total assets | 87.3597% | 1,404 |
| Equity capital to assets | 12.1313% | 2,093 |
| Core capital (leverage) ratio | 12.1183% | 1,745 |
| Tier 1 risk-based capital ratio | 18.8105% | 1,598 |
| Total risk-based capital ratio | 19.2618% | 1,759 |
| Memoranda: | ||
| Average total assets | $69,763,000 | 4,522 |
| Average earning assets | $62,744,670 | 4,547 |
| Average equity | $8,381,330 | 4,532 |
| Average total loans | $46,466,000 | 4,328 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 3,580 |
| Cost of funding earning assets | 0.5424% | 3,863 |
| Net interest margin | 3.7519% | 2,705 |
| Noninterest income to average assets | 0.6143% | 1,978 |
| Noninterest expense to average assets | 3.2554% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5454% | 4,392 |
| Return on assets (ROA) | 0.5454% | 4,419 |
| Pretax return on assets | 0.7349% | 4,207 |
| Return on Equity (ROE) | 4.5624% | 4,457 |
| Retained earnings to average equity (ytd only) | 0.9125% | 4,333 |
| Net charge-offs to loans | -0.2491% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5827% | 914 |
| Assets per employee ($millions) | 3.0185% | 4,964 |
| Cash dividends to net income (ytd only)* | 80.0000% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4433% | 5,135 |
| Loan loss allowance to noncurrent loans | 101.9802% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 3,440 |
| Noncurrent loans to loans | 0.4347% | 3,022 |
| Net loans and leases to total assets | 66.6388% | 2,954 |
| Net loans and leases to deposits | 76.0733% | 3,254 |
| Net loans and leases to core deposits | 79.4778% | 3,412 |
| Total domestic deposits to total assets | 87.5981% | 1,518 |
| Equity capital to assets | 12.0202% | 2,009 |
| Core capital (leverage) ratio | 11.9793% | 1,788 |
| Tier 1 risk-based capital ratio | 18.6936% | 1,609 |
| Total risk-based capital ratio | 19.1550% | 1,780 |
| Memoranda: | ||
| Average total assets | $69,669,000 | 4,577 |
| Average earning assets | $62,687,500 | 4,601 |
| Average equity | $8,329,000 | 4,567 |
| Average total loans | $46,558,500 | 4,372 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 3,592 |
| Cost of funding earning assets | 0.4773% | 3,498 |
| Net interest margin | 3.6702% | 3,157 |
| Noninterest income to average assets | 0.6412% | 2,090 |
| Noninterest expense to average assets | 3.2706% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4609% | 4,746 |
| Return on assets (ROA) | 0.4609% | 4,744 |
| Pretax return on assets | 0.6613% | 4,513 |
| Return on Equity (ROE) | 3.9414% | 4,725 |
| Retained earnings to average equity (ytd only) | 2.7419% | 4,030 |
| Net charge-offs to loans | 0.1424% | 1,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 3,022 |
| Efficiency ratio | 83.1817% | 699 |
| Assets per employee ($millions) | 3.1779% | 4,860 |
| Cash dividends to net income (ytd only)* | 30.4348% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3794% | 5,228 |
| Loan loss allowance to noncurrent loans | 83.8863% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 3,366 |
| Noncurrent loans to loans | 0.4523% | 2,916 |
| Net loans and leases to total assets | 66.4683% | 3,062 |
| Net loans and leases to deposits | 75.7025% | 3,371 |
| Net loans and leases to core deposits | 81.1165% | 3,340 |
| Total domestic deposits to total assets | 87.8020% | 1,390 |
| Equity capital to assets | 11.8905% | 1,974 |
| Core capital (leverage) ratio | 11.3231% | 2,247 |
| Tier 1 risk-based capital ratio | 18.6088% | 1,592 |
| Total risk-based capital ratio | 19.0044% | 1,780 |
| Memoranda: | ||
| Average total assets | $69,865,000 | 4,578 |
| Average earning assets | $62,639,000 | 4,617 |
| Average equity | $8,169,600 | 4,582 |
| Average total loans | $46,337,400 | 4,393 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 3,737 |
| Cost of funding earning assets | 0.4179% | 3,737 |
| Net interest margin | 3.6484% | 3,203 |
| Noninterest income to average assets | 0.6432% | 2,107 |
| Noninterest expense to average assets | 3.2219% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4810% | 4,800 |
| Return on assets (ROA) | 0.4810% | 4,803 |
| Pretax return on assets | 0.6871% | 4,562 |
| Return on Equity (ROE) | 4.1308% | 4,790 |
| Retained earnings to average equity (ytd only) | 2.6063% | 4,370 |
| Net charge-offs to loans | -0.0058% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4219% | 746 |
| Assets per employee ($millions) | 3.2271% | 4,858 |
| Cash dividends to net income (ytd only)* | 36.9059% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 5,178 |
| Loan loss allowance to noncurrent loans | 85.6643% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 3,150 |
| Noncurrent loans to loans | 0.5949% | 2,599 |
| Net loans and leases to total assets | 64.4455% | 3,369 |
| Net loans and leases to deposits | 72.7381% | 3,704 |
| Net loans and leases to core deposits | 82.4554% | 3,294 |
| Total domestic deposits to total assets | 88.5994% | 1,001 |
| Equity capital to assets | 11.0827% | 2,592 |
| Core capital (leverage) ratio | 11.8233% | 1,901 |
| Tier 1 risk-based capital ratio | 17.7404% | 1,860 |
| Total risk-based capital ratio | 18.2670% | 2,049 |
| Memoranda: | ||
| Average total assets | $69,853,000 | 4,627 |
| Average earning assets | $62,529,000 | 4,666 |
| Average equity | $8,133,750 | 4,633 |
| Average total loans | $46,260,000 | 4,435 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 3,497 |
| Cost of funding earning assets | 0.3862% | 3,829 |
| Net interest margin | 3.7020% | 2,918 |
| Noninterest income to average assets | 0.6492% | 2,095 |
| Noninterest expense to average assets | 3.2838% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4679% | 4,824 |
| Return on assets (ROA) | 0.4679% | 4,828 |
| Pretax return on assets | 0.6726% | 4,578 |
| Return on Equity (ROE) | 3.9492% | 4,837 |
| Retained earnings to average equity (ytd only) | 1.9252% | 4,485 |
| Net charge-offs to loans | -0.0088% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0007% | 763 |
| Assets per employee ($millions) | 2.9358% | 5,142 |
| Cash dividends to net income (ytd only)* | 51.2500% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5141% | 5,241 |
| Loan loss allowance to noncurrent loans | 69.4051% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 2,669 |
| Noncurrent loans to loans | 0.7407% | 2,255 |
| Net loans and leases to total assets | 70.2150% | 2,548 |
| Net loans and leases to deposits | 81.8917% | 2,780 |
| Net loans and leases to core deposits | 81.8917% | 3,254 |
| Total domestic deposits to total assets | 85.7414% | 2,397 |
| Equity capital to assets | 12.0757% | 1,807 |
| Core capital (leverage) ratio | 12.0813% | 1,663 |
| Tier 1 risk-based capital ratio | 17.7562% | 1,871 |
| Total risk-based capital ratio | 18.2885% | 2,033 |
| Memoranda: | ||
| Average total assets | $68,396,000 | 4,703 |
| Average earning assets | $61,101,670 | 4,748 |
| Average equity | $8,103,000 | 4,677 |
| Average total loans | $45,653,670 | 4,503 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 3,489 |
| Cost of funding earning assets | 0.3520% | 3,974 |
| Net interest margin | 3.6825% | 2,868 |
| Noninterest income to average assets | 0.6509% | 2,028 |
| Noninterest expense to average assets | 3.3066% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4417% | 4,837 |
| Return on assets (ROA) | 0.4417% | 4,840 |
| Pretax return on assets | 0.6276% | 4,619 |
| Return on Equity (ROE) | 3.7635% | 4,830 |
| Retained earnings to average equity (ytd only) | -0.1981% | 4,822 |
| Net charge-offs to loans | -0.0090% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0473% | 794 |
| Assets per employee ($millions) | 3.1255% | 5,068 |
| Cash dividends to net income (ytd only)* | 105.2632% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5529% | 5,257 |
| Loan loss allowance to noncurrent loans | 65.8537% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 2,733 |
| Noncurrent loans to loans | 0.8396% | 2,137 |
| Net loans and leases to total assets | 63.5646% | 3,364 |
| Net loans and leases to deposits | 72.2227% | 3,584 |
| Net loans and leases to core deposits | 74.7755% | 3,759 |
| Total domestic deposits to total assets | 88.0119% | 1,612 |
| Equity capital to assets | 11.7379% | 1,960 |
| Core capital (leverage) ratio | 11.6896% | 1,863 |
| Tier 1 risk-based capital ratio | 18.7117% | 1,628 |
| Total risk-based capital ratio | 19.2737% | 1,779 |
| Memoranda: | ||
| Average total assets | $68,832,000 | 4,757 |
| Average earning assets | $61,371,500 | 4,797 |
| Average equity | $8,077,500 | 4,731 |
| Average total loans | $44,652,000 | 4,577 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 3,363 |
| Cost of funding earning assets | 0.3006% | 4,135 |
| Net interest margin | 3.7112% | 2,759 |
| Noninterest income to average assets | 0.7119% | 1,910 |
| Noninterest expense to average assets | 3.0815% | 1,911 |
| Loan and lease loss provision to assets | 0.0044% | 4,162 |
| Net operating income to assets | 0.5929% | 4,041 |
| Return on assets (ROA) | 0.5891% | 4,093 |
| Pretax return on assets | 0.9414% | 3,774 |
| Return on Equity (ROE) | 5.0825% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.1114% | 2,699 |
| Net charge-offs to loans | 0.1141% | 1,912 |
| Credit loss provision to net charge-offs | 5.7692% | 3,684 |
| Earnings coverage of net charge-offs (x) | 12.5192% | 2,465 |
| Efficiency ratio | 76.4045% | 1,563 |
| Assets per employee ($millions) | 2.9958% | 5,202 |
| Cash dividends to net income (ytd only)* | 19.1067% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 5,357 |
| Loan loss allowance to noncurrent loans | 70.4678% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 2,897 |
| Noncurrent loans to loans | 0.7541% | 2,315 |
| Net loans and leases to total assets | 65.4723% | 3,161 |
| Net loans and leases to deposits | 74.3494% | 3,494 |
| Net loans and leases to core deposits | 74.7387% | 3,827 |
| Total domestic deposits to total assets | 88.0602% | 1,470 |
| Equity capital to assets | 11.7323% | 2,015 |
| Core capital (leverage) ratio | 11.3942% | 2,017 |
| Tier 1 risk-based capital ratio | 18.1620% | 1,760 |
| Total risk-based capital ratio | 18.7027% | 1,912 |
| Memoranda: | ||
| Average total assets | $68,407,800 | 4,806 |
| Average earning assets | $61,220,400 | 4,836 |
| Average equity | $7,929,200 | 4,793 |
| Average total loans | $45,573,200 | 4,578 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 3,335 |
| Cost of funding earning assets | 0.2787% | 4,329 |
| Net interest margin | 3.7275% | 2,665 |
| Noninterest income to average assets | 0.6951% | 2,025 |
| Noninterest expense to average assets | 3.0246% | 2,043 |
| Loan and lease loss provision to assets | 0.0039% | 4,036 |
| Net operating income to assets | 0.6123% | 4,348 |
| Return on assets (ROA) | 0.6073% | 4,403 |
| Pretax return on assets | 1.0017% | 3,686 |
| Return on Equity (ROE) | 5.2552% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.9540% | 3,567 |
| Net charge-offs to loans | 0.1432% | 1,391 |
| Credit loss provision to net charge-offs | 4.0816% | 3,254 |
| Earnings coverage of net charge-offs (x) | 10.5921% | 2,583 |
| Efficiency ratio | 74.9033% | 1,761 |
| Assets per employee ($millions) | 3.0283% | 5,239 |
| Cash dividends to net income (ytd only)* | 24.7576% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5355% | 5,421 |
| Loan loss allowance to noncurrent loans | 98.3806% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,614 |
| Noncurrent loans to loans | 0.5443% | 3,068 |
| Net loans and leases to total assets | 64.8002% | 3,282 |
| Net loans and leases to deposits | 73.5693% | 3,617 |
| Net loans and leases to core deposits | 75.1820% | 3,871 |
| Total domestic deposits to total assets | 88.0806% | 1,326 |
| Equity capital to assets | 11.5045% | 2,367 |
| Core capital (leverage) ratio | 11.7574% | 1,843 |
| Tier 1 risk-based capital ratio | 17.7067% | 1,942 |
| Total risk-based capital ratio | 18.2444% | 2,110 |
| Memoranda: | ||
| Average total assets | $68,283,750 | 4,856 |
| Average earning assets | $61,237,250 | 4,883 |
| Average equity | $7,890,500 | 4,847 |
| Average total loans | $45,628,000 | 4,621 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,258 |
| Cost of funding earning assets | 0.2578% | 4,477 |
| Net interest margin | 3.7273% | 2,557 |
| Noninterest income to average assets | 0.6870% | 2,048 |
| Noninterest expense to average assets | 2.9870% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6487% | 4,090 |
| Return on assets (ROA) | 0.6487% | 4,140 |
| Pretax return on assets | 1.0674% | 3,306 |
| Return on Equity (ROE) | 5.6053% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.3569% | 3,110 |
| Net charge-offs to loans | 0.2100% | 975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.5417% | 2,594 |
| Efficiency ratio | 73.6727% | 2,073 |
| Assets per employee ($millions) | 2.9709% | 5,299 |
| Cash dividends to net income (ytd only)* | 22.2727% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5261% | 5,487 |
| Loan loss allowance to noncurrent loans | 94.9219% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,617 |
| Noncurrent loans to loans | 0.5542% | 3,074 |
| Net loans and leases to total assets | 67.2403% | 2,911 |
| Net loans and leases to deposits | 76.4353% | 3,294 |
| Net loans and leases to core deposits | 77.1696% | 3,666 |
| Total domestic deposits to total assets | 87.9703% | 1,469 |
| Equity capital to assets | 11.6375% | 2,203 |
| Core capital (leverage) ratio | 11.5539% | 1,931 |
| Tier 1 risk-based capital ratio | 17.2884% | 2,066 |
| Total risk-based capital ratio | 17.8154% | 2,246 |
| Memoranda: | ||
| Average total assets | $67,828,000 | 4,903 |
| Average earning assets | $61,277,330 | 4,915 |
| Average equity | $7,849,670 | 4,880 |
| Average total loans | $45,711,670 | 4,643 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 3,362 |
| Cost of funding earning assets | 0.2538% | 4,505 |
| Net interest margin | 3.6579% | 2,663 |
| Noninterest income to average assets | 0.6985% | 1,980 |
| Noninterest expense to average assets | 3.0247% | 2,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6097% | 4,114 |
| Return on assets (ROA) | 0.6097% | 4,171 |
| Pretax return on assets | 1.0003% | 3,371 |
| Return on Equity (ROE) | 5.2831% | 4,263 |
| Retained earnings to average equity (ytd only) | 2.7698% | 4,020 |
| Net charge-offs to loans | 0.1759% | 946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.4500% | 2,062 |
| Efficiency ratio | 75.1471% | 2,045 |
| Assets per employee ($millions) | 2.9854% | 5,365 |
| Cash dividends to net income (ytd only)* | 47.5728% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 5,484 |
| Loan loss allowance to noncurrent loans | 255.6604% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 4,640 |
| Noncurrent loans to loans | 0.2326% | 4,282 |
| Net loans and leases to total assets | 65.9618% | 2,976 |
| Net loans and leases to deposits | 74.6506% | 3,342 |
| Net loans and leases to core deposits | 75.3611% | 3,708 |
| Total domestic deposits to total assets | 88.3607% | 1,501 |
| Equity capital to assets | 11.4034% | 2,255 |
| Core capital (leverage) ratio | 11.4063% | 2,018 |
| Tier 1 risk-based capital ratio | 17.3302% | 2,088 |
| Total risk-based capital ratio | 17.9307% | 2,252 |
| Memoranda: | ||
| Average total assets | $67,576,500 | 4,961 |
| Average earning assets | $61,455,500 | 4,965 |
| Average equity | $7,798,500 | 4,932 |
| Average total loans | $45,473,000 | 4,691 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 3,793 |
| Cost of funding earning assets | 0.2589% | 4,481 |
| Net interest margin | 3.5748% | 3,167 |
| Noninterest income to average assets | 0.6820% | 2,254 |
| Noninterest expense to average assets | 3.0205% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5592% | 4,394 |
| Return on assets (ROA) | 0.5592% | 4,498 |
| Pretax return on assets | 0.9048% | 3,838 |
| Return on Equity (ROE) | 4.8499% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.2059% | 2,916 |
| Net charge-offs to loans | -0.0046% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9498% | 1,857 |
| Assets per employee ($millions) | 3.1661% | 5,197 |
| Cash dividends to net income (ytd only)* | 13.2791% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6412% | 5,465 |
| Loan loss allowance to noncurrent loans | 175.3012% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 4,308 |
| Noncurrent loans to loans | 0.3658% | 3,811 |
| Net loans and leases to total assets | 67.8187% | 2,803 |
| Net loans and leases to deposits | 76.9331% | 3,210 |
| Net loans and leases to core deposits | 77.6899% | 3,592 |
| Total domestic deposits to total assets | 88.1529% | 1,560 |
| Equity capital to assets | 11.6816% | 2,018 |
| Core capital (leverage) ratio | 11.5462% | 1,898 |
| Tier 1 risk-based capital ratio | 17.6392% | 1,967 |
| Total risk-based capital ratio | 18.2999% | 2,091 |
| Memoranda: | ||
| Average total assets | $65,982,000 | 5,012 |
| Average earning assets | $59,863,200 | 5,022 |
| Average equity | $7,608,400 | 4,992 |
| Average total loans | $43,641,200 | 4,764 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 3,892 |
| Cost of funding earning assets | 0.2597% | 4,509 |
| Net interest margin | 3.5502% | 3,270 |
| Noninterest income to average assets | 0.6641% | 2,346 |
| Noninterest expense to average assets | 3.0085% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5446% | 4,513 |
| Return on assets (ROA) | 0.5446% | 4,624 |
| Pretax return on assets | 0.8665% | 4,093 |
| Return on Equity (ROE) | 4.7387% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.0517% | 3,417 |
| Net charge-offs to loans | -0.0093% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6385% | 1,742 |
| Assets per employee ($millions) | 3.0116% | 5,381 |
| Cash dividends to net income (ytd only)* | 14.4984% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6485% | 5,531 |
| Loan loss allowance to noncurrent loans | 94.4984% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 3,565 |
| Noncurrent loans to loans | 0.6863% | 2,977 |
| Net loans and leases to total assets | 67.5149% | 2,871 |
| Net loans and leases to deposits | 76.7102% | 3,321 |
| Net loans and leases to core deposits | 77.4687% | 3,708 |
| Total domestic deposits to total assets | 88.0130% | 1,402 |
| Equity capital to assets | 11.6353% | 2,410 |
| Core capital (leverage) ratio | 11.5666% | 1,978 |
| Tier 1 risk-based capital ratio | 17.4075% | 2,103 |
| Total risk-based capital ratio | 18.0693% | 2,241 |
| Memoranda: | ||
| Average total assets | $65,855,250 | 5,056 |
| Average earning assets | $59,563,000 | 5,076 |
| Average equity | $7,568,750 | 5,051 |
| Average total loans | $43,205,750 | 4,818 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,162 |
| Cost of funding earning assets | 0.2629% | 4,519 |
| Net interest margin | 3.4746% | 3,592 |
| Noninterest income to average assets | 0.6512% | 2,362 |
| Noninterest expense to average assets | 3.0157% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4869% | 4,731 |
| Return on assets (ROA) | 0.4869% | 4,833 |
| Pretax return on assets | 0.7730% | 4,379 |
| Return on Equity (ROE) | 4.2542% | 4,816 |
| Retained earnings to average equity (ytd only) | 3.2172% | 3,847 |
| Net charge-offs to loans | -0.0141% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5984% | 1,547 |
| Assets per employee ($millions) | 2.9052% | 5,529 |
| Cash dividends to net income (ytd only)* | 24.3750% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6767% | 5,565 |
| Loan loss allowance to noncurrent loans | 116.8000% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 3,990 |
| Noncurrent loans to loans | 0.5794% | 3,327 |
| Net loans and leases to total assets | 64.1365% | 3,343 |
| Net loans and leases to deposits | 72.6102% | 3,737 |
| Net loans and leases to core deposits | 73.3195% | 4,050 |
| Total domestic deposits to total assets | 88.3298% | 1,259 |
| Equity capital to assets | 11.3783% | 2,668 |
| Core capital (leverage) ratio | 11.8585% | 1,723 |
| Tier 1 risk-based capital ratio | 17.6457% | 2,031 |
| Total risk-based capital ratio | 18.3263% | 2,148 |
| Memoranda: | ||
| Average total assets | $65,722,000 | 5,109 |
| Average earning assets | $59,344,330 | 5,130 |
| Average equity | $7,522,000 | 5,102 |
| Average total loans | $42,599,670 | 4,878 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,197 |
| Cost of funding earning assets | 0.2643% | 4,559 |
| Net interest margin | 3.4691% | 3,590 |
| Noninterest income to average assets | 0.6567% | 2,229 |
| Noninterest expense to average assets | 3.0503% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4849% | 4,692 |
| Return on assets (ROA) | 0.4849% | 4,790 |
| Pretax return on assets | 0.7488% | 4,368 |
| Return on Equity (ROE) | 4.2238% | 4,808 |
| Retained earnings to average equity (ytd only) | 2.1386% | 4,402 |
| Net charge-offs to loans | -0.0095% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2908% | 1,570 |
| Assets per employee ($millions) | 2.9454% | 5,555 |
| Cash dividends to net income (ytd only)* | 49.3671% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 5,609 |
| Loan loss allowance to noncurrent loans | 116.4659% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 4,052 |
| Noncurrent loans to loans | 0.5940% | 3,408 |
| Net loans and leases to total assets | 64.2433% | 3,209 |
| Net loans and leases to deposits | 74.1112% | 3,423 |
| Net loans and leases to core deposits | 74.8710% | 3,803 |
| Total domestic deposits to total assets | 86.6850% | 2,364 |
| Equity capital to assets | 11.5897% | 2,361 |
| Core capital (leverage) ratio | 11.6443% | 1,869 |
| Tier 1 risk-based capital ratio | 18.0479% | 1,968 |
| Total risk-based capital ratio | 18.7480% | 2,093 |
| Memoranda: | ||
| Average total assets | $65,173,000 | 5,176 |
| Average earning assets | $59,035,000 | 5,184 |
| Average equity | $7,481,500 | 5,143 |
| Average total loans | $42,325,500 | 4,923 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4787% | 4,976 |
| Cost of funding earning assets | 0.2825% | 4,452 |
| Net interest margin | 3.1962% | 4,637 |
| Noninterest income to average assets | 0.6399% | 2,518 |
| Noninterest expense to average assets | 2.8240% | 3,134 |
| Loan and lease loss provision to assets | 0.0201% | 3,995 |
| Net operating income to assets | 0.5113% | 4,651 |
| Return on assets (ROA) | 0.5162% | 4,718 |
| Pretax return on assets | 0.7635% | 4,321 |
| Return on Equity (ROE) | 4.9250% | 4,542 |
| Retained earnings to average equity (ytd only) | 3.7726% | 3,356 |
| Net charge-offs to loans | 0.0199% | 3,871 |
| Credit loss provision to net charge-offs | 175.0000% | 1,547 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 794 |
| Efficiency ratio | 78.4345% | 1,900 |
| Assets per employee ($millions) | 2.9794% | 5,536 |
| Cash dividends to net income (ytd only)* | 23.3983% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 5,678 |
| Loan loss allowance to noncurrent loans | 109.4697% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 3,989 |
| Noncurrent loans to loans | 0.6178% | 3,328 |
| Net loans and leases to total assets | 64.7520% | 3,154 |
| Net loans and leases to deposits | 75.1616% | 3,359 |
| Net loans and leases to core deposits | 75.9280% | 3,762 |
| Total domestic deposits to total assets | 86.1504% | 2,571 |
| Equity capital to assets | 11.3705% | 2,474 |
| Core capital (leverage) ratio | 11.2140% | 2,199 |
| Tier 1 risk-based capital ratio | 17.5637% | 2,105 |
| Total risk-based capital ratio | 18.2453% | 2,233 |
| Memoranda: | ||
| Average total assets | $69,546,400 | 5,103 |
| Average earning assets | $64,421,000 | 5,078 |
| Average equity | $7,289,400 | 5,191 |
| Average total loans | $40,258,200 | 5,008 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 5,197 |
| Cost of funding earning assets | 0.2853% | 4,498 |
| Net interest margin | 3.1182% | 4,916 |
| Noninterest income to average assets | 0.6237% | 2,618 |
| Noninterest expense to average assets | 2.7650% | 3,328 |
| Loan and lease loss provision to assets | 0.0265% | 3,737 |
| Net operating income to assets | 0.5058% | 4,764 |
| Return on assets (ROA) | 0.5122% | 4,835 |
| Pretax return on assets | 0.7541% | 4,476 |
| Return on Equity (ROE) | 4.9848% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.4397% | 4,021 |
| Net charge-offs to loans | 0.0303% | 3,330 |
| Credit loss provision to net charge-offs | 155.5556% | 1,634 |
| Earnings coverage of net charge-offs (x) | 45.3325% | 1,125 |
| Efficiency ratio | 78.1935% | 1,922 |
| Assets per employee ($millions) | 2.9084% | 5,646 |
| Cash dividends to net income (ytd only)* | 30.9975% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 5,733 |
| Loan loss allowance to noncurrent loans | 336.0465% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 5,239 |
| Noncurrent loans to loans | 0.2077% | 4,817 |
| Net loans and leases to total assets | 61.4614% | 3,675 |
| Net loans and leases to deposits | 69.3357% | 4,057 |
| Net loans and leases to core deposits | 71.0491% | 4,274 |
| Total domestic deposits to total assets | 88.6432% | 1,213 |
| Equity capital to assets | 11.0339% | 2,983 |
| Core capital (leverage) ratio | 10.6557% | 2,872 |
| Tier 1 risk-based capital ratio | 17.8694% | 2,063 |
| Total risk-based capital ratio | 18.5723% | 2,199 |
| Memoranda: | ||
| Average total assets | $70,546,250 | 5,141 |
| Average earning assets | $65,891,750 | 5,103 |
| Average equity | $7,248,500 | 5,268 |
| Average total loans | $39,639,750 | 5,081 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2767% | 5,483 |
| Cost of funding earning assets | 0.2847% | 4,560 |
| Net interest margin | 2.9920% | 5,246 |
| Noninterest income to average assets | 0.5908% | 2,789 |
| Noninterest expense to average assets | 2.7228% | 3,520 |
| Loan and lease loss provision to assets | 0.0251% | 3,634 |
| Net operating income to assets | 0.4515% | 4,965 |
| Return on assets (ROA) | 0.4515% | 5,068 |
| Pretax return on assets | 0.6549% | 4,808 |
| Return on Equity (ROE) | 4.4973% | 4,819 |
| Retained earnings to average equity (ytd only) | 2.1654% | 4,626 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0164% | 1,762 |
| Assets per employee ($millions) | 3.2552% | 5,237 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7317% | 5,750 |
| Loan loss allowance to noncurrent loans | 222.9008% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 5,134 |
| Noncurrent loans to loans | 0.3283% | 4,515 |
| Net loans and leases to total assets | 55.3152% | 4,404 |
| Net loans and leases to deposits | 61.7367% | 4,720 |
| Net loans and leases to core deposits | 64.1668% | 4,797 |
| Total domestic deposits to total assets | 89.5985% | 845 |
| Equity capital to assets | 10.1278% | 3,901 |
| Core capital (leverage) ratio | 10.2112% | 3,321 |
| Tier 1 risk-based capital ratio | 18.2122% | 2,005 |
| Total risk-based capital ratio | 18.9458% | 2,109 |
| Memoranda: | ||
| Average total assets | $71,763,670 | 5,161 |
| Average earning assets | $67,446,000 | 5,117 |
| Average equity | $7,204,330 | 5,316 |
| Average total loans | $39,052,000 | 5,144 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2073% | 5,634 |
| Cost of funding earning assets | 0.2894% | 4,557 |
| Net interest margin | 2.9179% | 5,412 |
| Noninterest income to average assets | 0.5512% | 2,941 |
| Noninterest expense to average assets | 2.7117% | 3,544 |
| Loan and lease loss provision to assets | 0.0278% | 3,326 |
| Net operating income to assets | 0.4009% | 5,065 |
| Return on assets (ROA) | 0.4009% | 5,178 |
| Pretax return on assets | 0.5624% | 5,017 |
| Return on Equity (ROE) | 4.0111% | 4,979 |
| Retained earnings to average equity (ytd only) | 1.8384% | 4,734 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1248% | 1,601 |
| Assets per employee ($millions) | 2.8624% | 5,817 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 5,824 |
| Loan loss allowance to noncurrent loans | 222.3077% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 5,225 |
| Noncurrent loans to loans | 0.3344% | 4,587 |
| Net loans and leases to total assets | 53.9240% | 4,452 |
| Net loans and leases to deposits | 60.1153% | 4,741 |
| Net loans and leases to core deposits | 62.4785% | 4,815 |
| Total domestic deposits to total assets | 89.7010% | 902 |
| Equity capital to assets | 10.0992% | 4,020 |
| Core capital (leverage) ratio | 9.8975% | 3,753 |
| Tier 1 risk-based capital ratio | 18.5620% | 1,986 |
| Total risk-based capital ratio | 19.3076% | 2,073 |
| Memoranda: | ||
| Average total assets | $71,838,000 | 5,201 |
| Average earning assets | $67,719,500 | 5,152 |
| Average equity | $7,180,000 | 5,365 |
| Average total loans | $38,625,000 | 5,191 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3048% | 5,697 |
| Cost of funding earning assets | 0.3374% | 4,395 |
| Net interest margin | 2.9674% | 5,514 |
| Noninterest income to average assets | 0.6675% | 2,466 |
| Noninterest expense to average assets | 2.8416% | 3,338 |
| Loan and lease loss provision to assets | 0.0274% | 4,058 |
| Net operating income to assets | 0.4383% | 5,075 |
| Return on assets (ROA) | 0.4383% | 5,167 |
| Pretax return on assets | 0.5752% | 5,016 |
| Return on Equity (ROE) | 4.3725% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.8834% | 3,455 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5031% | 1,603 |
| Assets per employee ($millions) | 3.2780% | 5,297 |
| Cash dividends to net income (ytd only)* | 11.1842% | 4,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7375% | 5,909 |
| Loan loss allowance to noncurrent loans | 196.5278% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 5,224 |
| Noncurrent loans to loans | 0.3753% | 4,519 |
| Net loans and leases to total assets | 52.8177% | 4,714 |
| Net loans and leases to deposits | 58.6912% | 5,011 |
| Net loans and leases to core deposits | 60.9694% | 5,068 |
| Total domestic deposits to total assets | 89.9925% | 734 |
| Equity capital to assets | 9.8910% | 4,243 |
| Core capital (leverage) ratio | 10.0303% | 3,534 |
| Tier 1 risk-based capital ratio | 18.4864% | 1,992 |
| Total risk-based capital ratio | 19.2156% | 2,115 |
| Memoranda: | ||
| Average total assets | $69,361,600 | 5,313 |
| Average earning assets | $64,905,200 | 5,254 |
| Average equity | $6,952,600 | 5,428 |
| Average total loans | $36,479,600 | 5,312 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 5,749 |
| Cost of funding earning assets | 0.3446% | 4,399 |
| Net interest margin | 2.9667% | 5,568 |
| Noninterest income to average assets | 0.6776% | 2,441 |
| Noninterest expense to average assets | 2.8599% | 3,258 |
| Loan and lease loss provision to assets | 0.0272% | 3,864 |
| Net operating income to assets | 0.4213% | 5,172 |
| Return on assets (ROA) | 0.4213% | 5,251 |
| Pretax return on assets | 0.5650% | 5,141 |
| Return on Equity (ROE) | 4.1886% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.5322% | 4,128 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8459% | 1,513 |
| Assets per employee ($millions) | 3.0201% | 5,704 |
| Cash dividends to net income (ytd only)* | 15.6672% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7379% | 6,017 |
| Loan loss allowance to noncurrent loans | 252.7273% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 5,549 |
| Noncurrent loans to loans | 0.2920% | 5,033 |
| Net loans and leases to total assets | 53.8409% | 4,593 |
| Net loans and leases to deposits | 60.0777% | 4,933 |
| Net loans and leases to core deposits | 62.5098% | 5,002 |
| Total domestic deposits to total assets | 89.6188% | 926 |
| Equity capital to assets | 10.1350% | 4,005 |
| Core capital (leverage) ratio | 10.1895% | 3,424 |
| Tier 1 risk-based capital ratio | 18.4502% | 2,072 |
| Total risk-based capital ratio | 19.1738% | 2,196 |
| Memoranda: | ||
| Average total assets | $68,673,000 | 5,384 |
| Average earning assets | $64,221,750 | 5,324 |
| Average equity | $6,907,500 | 5,487 |
| Average total loans | $36,006,250 | 5,378 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2844% | 5,824 |
| Cost of funding earning assets | 0.3503% | 4,436 |
| Net interest margin | 2.9341% | 5,669 |
| Noninterest income to average assets | 0.6812% | 2,371 |
| Noninterest expense to average assets | 2.8709% | 3,263 |
| Loan and lease loss provision to assets | 0.0292% | 3,689 |
| Net operating income to assets | 0.3976% | 5,232 |
| Return on assets (ROA) | 0.3976% | 5,304 |
| Pretax return on assets | 0.5233% | 5,211 |
| Return on Equity (ROE) | 3.9631% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.9723% | 4,312 |
| Net charge-offs to loans | 0.0113% | 4,027 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 578 |
| Efficiency ratio | 83.8599% | 1,534 |
| Assets per employee ($millions) | 2.9660% | 5,800 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 6,086 |
| Loan loss allowance to noncurrent loans | 377.7778% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 5,842 |
| Noncurrent loans to loans | 0.1989% | 5,419 |
| Net loans and leases to total assets | 52.6760% | 4,676 |
| Net loans and leases to deposits | 58.7897% | 4,974 |
| Net loans and leases to core deposits | 61.8634% | 4,976 |
| Total domestic deposits to total assets | 89.6008% | 1,018 |
| Equity capital to assets | 10.2057% | 3,819 |
| Core capital (leverage) ratio | 10.2375% | 3,283 |
| Tier 1 risk-based capital ratio | 18.8303% | 1,963 |
| Total risk-based capital ratio | 19.5614% | 2,097 |
| Memoranda: | ||
| Average total assets | $68,410,000 | 5,442 |
| Average earning assets | $63,938,000 | 5,386 |
| Average equity | $6,863,330 | 5,522 |
| Average total loans | $35,449,330 | 5,441 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2073% | 5,991 |
| Cost of funding earning assets | 0.3557% | 4,485 |
| Net interest margin | 2.8516% | 5,845 |
| Noninterest income to average assets | 0.6540% | 2,440 |
| Noninterest expense to average assets | 2.8610% | 3,341 |
| Loan and lease loss provision to assets | 0.0292% | 3,441 |
| Net operating income to assets | 0.3562% | 5,292 |
| Return on assets (ROA) | 0.3562% | 5,350 |
| Pretax return on assets | 0.4321% | 5,356 |
| Return on Equity (ROE) | 3.5809% | 5,227 |
| Retained earnings to average equity (ytd only) | 1.5850% | 4,980 |
| Net charge-offs to loans | -0.0114% | 5,104 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1160% | 1,439 |
| Assets per employee ($millions) | 2.8292% | 6,069 |
| Cash dividends to net income (ytd only)* | 55.7377% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 6,143 |
| Loan loss allowance to noncurrent loans | 1,084.0000% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 6,186 |
| Noncurrent loans to loans | 0.0720% | 5,923 |
| Net loans and leases to total assets | 50.7356% | 4,824 |
| Net loans and leases to deposits | 56.5236% | 5,074 |
| Net loans and leases to core deposits | 59.4560% | 5,091 |
| Total domestic deposits to total assets | 89.7601% | 1,200 |
| Equity capital to assets | 10.0750% | 3,755 |
| Core capital (leverage) ratio | 10.1057% | 3,420 |
| Tier 1 risk-based capital ratio | 19.1369% | 1,924 |
| Total risk-based capital ratio | 19.8851% | 2,043 |
| Memoranda: | ||
| Average total assets | $68,506,500 | 5,491 |
| Average earning assets | $64,104,500 | 5,435 |
| Average equity | $6,814,000 | 5,563 |
| Average total loans | $35,071,000 | 5,504 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3774% | 5,883 |
| Cost of funding earning assets | 0.4613% | 4,011 |
| Net interest margin | 2.9160% | 5,758 |
| Noninterest income to average assets | 0.7193% | 2,436 |
| Noninterest expense to average assets | 2.8324% | 3,606 |
| Loan and lease loss provision to assets | 0.0865% | 3,379 |
| Net operating income to assets | 0.3964% | 5,156 |
| Return on assets (ROA) | 0.3964% | 5,270 |
| Pretax return on assets | 0.5247% | 5,124 |
| Return on Equity (ROE) | 4.0913% | 5,066 |
| Retained earnings to average equity (ytd only) | 4.0913% | 3,272 |
| Net charge-offs to loans | -0.0116% | 6,042 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2520% | 1,848 |
| Assets per employee ($millions) | 3.0049% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 6,282 |
| Loan loss allowance to noncurrent loans | 825.0000% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 6,234 |
| Noncurrent loans to loans | 0.0903% | 5,945 |
| Net loans and leases to total assets | 50.8696% | 4,978 |
| Net loans and leases to deposits | 56.4853% | 5,257 |
| Net loans and leases to core deposits | 59.3748% | 5,269 |
| Total domestic deposits to total assets | 90.0582% | 1,045 |
| Equity capital to assets | 9.8203% | 4,002 |
| Core capital (leverage) ratio | 9.8799% | 3,728 |
| Tier 1 risk-based capital ratio | 18.6187% | 2,046 |
| Total risk-based capital ratio | 19.3307% | 2,191 |
| Memoranda: | ||
| Average total assets | $69,376,000 | 5,500 |
| Average earning assets | $64,814,000 | 5,445 |
| Average equity | $6,721,600 | 5,638 |
| Average total loans | $34,544,400 | 5,558 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3879% | 5,908 |
| Cost of funding earning assets | 0.4734% | 4,035 |
| Net interest margin | 2.9145% | 5,780 |
| Noninterest income to average assets | 0.7296% | 2,460 |
| Noninterest expense to average assets | 2.8339% | 3,545 |
| Loan and lease loss provision to assets | 0.0864% | 3,333 |
| Net operating income to assets | 0.4032% | 5,236 |
| Return on assets (ROA) | 0.4032% | 5,369 |
| Pretax return on assets | 0.5280% | 5,275 |
| Return on Equity (ROE) | 4.1757% | 5,140 |
| Retained earnings to average equity (ytd only) | 4.1757% | 3,714 |
| Net charge-offs to loans | -0.0117% | 5,922 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1826% | 1,804 |
| Assets per employee ($millions) | 3.0506% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7462% | 6,380 |
| Loan loss allowance to noncurrent loans | 415.0000% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 6,109 |
| Noncurrent loans to loans | 0.1798% | 5,791 |
| Net loans and leases to total assets | 47.2008% | 5,427 |
| Net loans and leases to deposits | 52.3754% | 5,682 |
| Net loans and leases to core deposits | 55.0060% | 5,695 |
| Total domestic deposits to total assets | 90.1203% | 927 |
| Equity capital to assets | 9.6217% | 4,389 |
| Core capital (leverage) ratio | 9.8263% | 3,923 |
| Tier 1 risk-based capital ratio | 19.3291% | 1,900 |
| Total risk-based capital ratio | 20.0328% | 2,017 |
| Memoranda: | ||
| Average total assets | $69,442,000 | 5,550 |
| Average earning assets | $64,778,750 | 5,498 |
| Average equity | $6,705,250 | 5,715 |
| Average total loans | $34,325,250 | 5,618 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3665% | 5,977 |
| Cost of funding earning assets | 0.4849% | 4,036 |
| Net interest margin | 2.8816% | 5,825 |
| Noninterest income to average assets | 0.7167% | 2,563 |
| Noninterest expense to average assets | 2.8670% | 3,447 |
| Loan and lease loss provision to assets | 0.0867% | 3,344 |
| Net operating income to assets | 0.3642% | 5,347 |
| Return on assets (ROA) | 0.3642% | 5,524 |
| Pretax return on assets | 0.4595% | 5,498 |
| Return on Equity (ROE) | 3.7668% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.7668% | 3,903 |
| Net charge-offs to loans | -0.0173% | 5,927 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9966% | 1,637 |
| Assets per employee ($millions) | 3.0605% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6938% | 6,502 |
| Loan loss allowance to noncurrent loans | 124.4681% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 5,692 |
| Noncurrent loans to loans | 0.5574% | 4,864 |
| Net loans and leases to total assets | 47.5835% | 5,363 |
| Net loans and leases to deposits | 52.6725% | 5,630 |
| Net loans and leases to core deposits | 55.2987% | 5,655 |
| Total domestic deposits to total assets | 90.3384% | 837 |
| Equity capital to assets | 9.4329% | 4,671 |
| Core capital (leverage) ratio | 9.5318% | 4,195 |
| Tier 1 risk-based capital ratio | 19.0981% | 1,971 |
| Total risk-based capital ratio | 19.7597% | 2,096 |
| Memoranda: | ||
| Average total assets | $69,201,330 | 5,598 |
| Average earning assets | $64,755,330 | 5,536 |
| Average equity | $6,690,000 | 5,763 |
| Average total loans | $34,644,670 | 5,631 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 5,938 |
| Cost of funding earning assets | 0.5028% | 4,057 |
| Net interest margin | 2.8987% | 5,819 |
| Noninterest income to average assets | 0.6588% | 2,822 |
| Noninterest expense to average assets | 2.8569% | 3,516 |
| Loan and lease loss provision to assets | 0.0875% | 3,206 |
| Net operating income to assets | 0.3615% | 5,303 |
| Return on assets (ROA) | 0.3615% | 5,439 |
| Pretax return on assets | 0.4373% | 5,444 |
| Return on Equity (ROE) | 3.6932% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.6932% | 4,012 |
| Net charge-offs to loans | -0.0114% | 5,492 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4828% | 1,704 |
| Assets per employee ($millions) | 3.0548% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 6,667 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 5,904 |
| Noncurrent loans to loans | 0.4526% | 5,291 |
| Net loans and leases to total assets | 48.4380% | 5,182 |
| Net loans and leases to deposits | 53.6984% | 5,459 |
| Net loans and leases to core deposits | 56.3796% | 5,489 |
| Total domestic deposits to total assets | 90.2037% | 933 |
| Equity capital to assets | 9.5999% | 4,709 |
| Core capital (leverage) ratio | 9.7188% | 3,773 |
| Tier 1 risk-based capital ratio | 19.0737% | 2,028 |
| Total risk-based capital ratio | 19.6922% | 2,184 |
| Memoranda: | ||
| Average total assets | $68,606,000 | 5,671 |
| Average earning assets | $64,443,500 | 5,601 |
| Average equity | $6,715,000 | 5,811 |
| Average total loans | $35,102,500 | 5,661 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 5,506 |
| Cost of funding earning assets | 0.7305% | 3,251 |
| Net interest margin | 3.1943% | 5,584 |
| Noninterest income to average assets | 0.7718% | 2,382 |
| Noninterest expense to average assets | 2.8141% | 3,972 |
| Loan and lease loss provision to assets | 0.0896% | 4,574 |
| Net operating income to assets | 0.5494% | 4,482 |
| Return on assets (ROA) | 0.5494% | 4,737 |
| Pretax return on assets | 0.7733% | 4,398 |
| Return on Equity (ROE) | 5.6187% | 4,358 |
| Retained earnings to average equity (ytd only) | 4.4888% | 3,074 |
| Net charge-offs to loans | 0.0787% | 4,884 |
| Credit loss provision to net charge-offs | 214.2857% | 1,182 |
| Earnings coverage of net charge-offs (x) | 20.6429% | 1,342 |
| Efficiency ratio | 76.5327% | 2,657 |
| Assets per employee ($millions) | 2.9109% | 6,143 |
| Cash dividends to net income (ytd only)* | 20.1087% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5590% | 6,801 |
| Loan loss allowance to noncurrent loans | 515.3846% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 6,478 |
| Noncurrent loans to loans | 0.1085% | 6,214 |
| Net loans and leases to total assets | 53.4032% | 4,705 |
| Net loans and leases to deposits | 59.5930% | 5,067 |
| Net loans and leases to core deposits | 62.7384% | 5,086 |
| Total domestic deposits to total assets | 89.6133% | 1,182 |
| Equity capital to assets | 9.9849% | 4,192 |
| Core capital (leverage) ratio | 10.0667% | 3,313 |
| Tier 1 risk-based capital ratio | 18.8249% | 2,004 |
| Total risk-based capital ratio | 19.3957% | 2,174 |
| Memoranda: | ||
| Average total assets | $66,984,000 | 5,712 |
| Average earning assets | $60,920,400 | 5,707 |
| Average equity | $6,549,600 | 5,880 |
| Average total loans | $35,583,000 | 5,697 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 5,628 |
| Cost of funding earning assets | 0.7631% | 3,246 |
| Net interest margin | 3.2000% | 5,703 |
| Noninterest income to average assets | 0.7643% | 2,409 |
| Noninterest expense to average assets | 2.8381% | 3,846 |
| Loan and lease loss provision to assets | 0.0896% | 4,487 |
| Net operating income to assets | 0.5214% | 4,752 |
| Return on assets (ROA) | 0.5214% | 5,018 |
| Pretax return on assets | 0.7244% | 4,773 |
| Return on Equity (ROE) | 5.3612% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.6655% | 3,611 |
| Net charge-offs to loans | 0.0714% | 4,699 |
| Credit loss provision to net charge-offs | 236.8421% | 1,170 |
| Earnings coverage of net charge-offs (x) | 21.5286% | 1,402 |
| Efficiency ratio | 77.7112% | 2,431 |
| Assets per employee ($millions) | 2.8454% | 6,298 |
| Cash dividends to net income (ytd only)* | 12.9766% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 6,927 |
| Loan loss allowance to noncurrent loans | 278.5714% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 6,458 |
| Noncurrent loans to loans | 0.1955% | 6,121 |
| Net loans and leases to total assets | 54.4045% | 4,692 |
| Net loans and leases to deposits | 60.8071% | 5,109 |
| Net loans and leases to core deposits | 64.0931% | 5,137 |
| Total domestic deposits to total assets | 89.4705% | 1,144 |
| Equity capital to assets | 10.1291% | 4,316 |
| Core capital (leverage) ratio | 10.1173% | 3,382 |
| Tier 1 risk-based capital ratio | 18.9852% | 2,016 |
| Total risk-based capital ratio | 19.5493% | 2,205 |
| Memoranda: | ||
| Average total assets | $66,992,250 | 5,776 |
| Average earning assets | $60,456,750 | 5,789 |
| Average equity | $6,515,750 | 5,954 |
| Average total loans | $35,490,000 | 5,772 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 5,763 |
| Cost of funding earning assets | 0.7872% | 3,302 |
| Net interest margin | 3.1716% | 5,818 |
| Noninterest income to average assets | 0.7466% | 2,435 |
| Noninterest expense to average assets | 2.7671% | 4,148 |
| Loan and lease loss provision to assets | 0.0889% | 4,459 |
| Net operating income to assets | 0.5481% | 4,590 |
| Return on assets (ROA) | 0.5481% | 4,869 |
| Pretax return on assets | 0.7555% | 4,626 |
| Return on Equity (ROE) | 5.7116% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.6619% | 3,507 |
| Net charge-offs to loans | 0.1074% | 4,110 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,672 |
| Efficiency ratio | 76.6202% | 2,651 |
| Assets per employee ($millions) | 2.6790% | 6,558 |
| Cash dividends to net income (ytd only)* | 18.3784% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 7,016 |
| Loan loss allowance to noncurrent loans | 191.4894% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 6,438 |
| Noncurrent loans to loans | 0.2659% | 6,049 |
| Net loans and leases to total assets | 52.5077% | 5,029 |
| Net loans and leases to deposits | 58.4063% | 5,405 |
| Net loans and leases to core deposits | 61.4636% | 5,437 |
| Total domestic deposits to total assets | 89.9007% | 980 |
| Equity capital to assets | 9.7887% | 4,646 |
| Core capital (leverage) ratio | 9.6400% | 3,938 |
| Tier 1 risk-based capital ratio | 18.6986% | 2,069 |
| Total risk-based capital ratio | 19.2176% | 2,272 |
| Memoranda: | ||
| Average total assets | $67,508,000 | 5,795 |
| Average earning assets | $60,978,000 | 5,804 |
| Average equity | $6,478,000 | 5,989 |
| Average total loans | $35,386,670 | 5,816 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 5,999 |
| Cost of funding earning assets | 0.7935% | 3,527 |
| Net interest margin | 3.1150% | 6,001 |
| Noninterest income to average assets | 0.7259% | 2,526 |
| Noninterest expense to average assets | 2.6441% | 4,647 |
| Loan and lease loss provision to assets | 0.0885% | 4,256 |
| Net operating income to assets | 0.5666% | 4,510 |
| Return on assets (ROA) | 0.5666% | 4,736 |
| Pretax return on assets | 0.7968% | 4,423 |
| Return on Equity (ROE) | 5.9637% | 4,314 |
| Retained earnings to average equity (ytd only) | 3.8515% | 4,276 |
| Net charge-offs to loans | 0.0113% | 4,552 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 243 |
| Efficiency ratio | 74.9164% | 2,955 |
| Assets per employee ($millions) | 2.8474% | 6,438 |
| Cash dividends to net income (ytd only)* | 35.4167% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5198% | 7,050 |
| Loan loss allowance to noncurrent loans | 148.7805% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 6,432 |
| Noncurrent loans to loans | 0.3494% | 5,974 |
| Net loans and leases to total assets | 51.2490% | 5,112 |
| Net loans and leases to deposits | 56.7590% | 5,518 |
| Net loans and leases to core deposits | 59.6474% | 5,564 |
| Total domestic deposits to total assets | 90.2922% | 920 |
| Equity capital to assets | 9.4605% | 4,869 |
| Core capital (leverage) ratio | 9.4681% | 4,093 |
| Tier 1 risk-based capital ratio | 18.7282% | 2,073 |
| Total risk-based capital ratio | 19.2640% | 2,260 |
| Memoranda: | ||
| Average total assets | $67,774,500 | 5,835 |
| Average earning assets | $60,996,000 | 5,841 |
| Average equity | $6,439,000 | 6,029 |
| Average total loans | $35,406,500 | 5,849 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 6,259 |
| Cost of funding earning assets | 0.9923% | 3,434 |
| Net interest margin | 3.1211% | 6,293 |
| Noninterest income to average assets | 0.7519% | 2,329 |
| Noninterest expense to average assets | 2.7742% | 4,453 |
| Loan and lease loss provision to assets | 0.0561% | 5,895 |
| Net operating income to assets | 0.5200% | 4,341 |
| Return on assets (ROA) | 0.5200% | 4,554 |
| Pretax return on assets | 0.7046% | 4,305 |
| Return on Equity (ROE) | 5.6336% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.1215% | 2,555 |
| Net charge-offs to loans | 1.1362% | 1,496 |
| Credit loss provision to net charge-offs | 9.5238% | 6,015 |
| Earnings coverage of net charge-offs (x) | 1.2907% | 4,810 |
| Efficiency ratio | 78.4789% | 2,527 |
| Assets per employee ($millions) | 2.8005% | 6,457 |
| Cash dividends to net income (ytd only)* | 9.0909% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 7,120 |
| Loan loss allowance to noncurrent loans | 201.1905% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 6,587 |
| Noncurrent loans to loans | 0.2359% | 6,269 |
| Net loans and leases to total assets | 52.7272% | 5,198 |
| Net loans and leases to deposits | 58.5304% | 5,649 |
| Net loans and leases to core deposits | 61.5613% | 5,697 |
| Total domestic deposits to total assets | 90.0851% | 948 |
| Equity capital to assets | 9.5415% | 4,814 |
| Core capital (leverage) ratio | 9.4481% | 4,116 |
| Tier 1 risk-based capital ratio | 18.3833% | 2,081 |
| Total risk-based capital ratio | 18.8737% | 2,303 |
| Memoranda: | ||
| Average total assets | $67,694,000 | 5,819 |
| Average earning assets | $60,363,400 | 5,853 |
| Average equity | $6,248,200 | 6,088 |
| Average total loans | $35,117,200 | 5,909 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 6,377 |
| Cost of funding earning assets | 1.0432% | 3,367 |
| Net interest margin | 3.0722% | 6,444 |
| Noninterest income to average assets | 0.7432% | 2,353 |
| Noninterest expense to average assets | 2.7250% | 4,635 |
| Loan and lease loss provision to assets | 0.0570% | 5,727 |
| Net operating income to assets | 0.5092% | 4,512 |
| Return on assets (ROA) | 0.5092% | 4,696 |
| Pretax return on assets | 0.6940% | 4,504 |
| Return on Equity (ROE) | 5.5634% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.8761% | 3,256 |
| Net charge-offs to loans | 1.4097% | 1,057 |
| Credit loss provision to net charge-offs | 7.8378% | 5,681 |
| Earnings coverage of net charge-offs (x) | 1.0324% | 4,855 |
| Efficiency ratio | 78.3937% | 2,492 |
| Assets per employee ($millions) | 2.7901% | 6,504 |
| Cash dividends to net income (ytd only)* | 12.3567% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5331% | 7,148 |
| Loan loss allowance to noncurrent loans | 63.2107% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 5,974 |
| Noncurrent loans to loans | 0.8433% | 5,186 |
| Net loans and leases to total assets | 52.6657% | 5,365 |
| Net loans and leases to deposits | 58.3923% | 5,808 |
| Net loans and leases to core deposits | 61.4187% | 5,865 |
| Total domestic deposits to total assets | 90.1929% | 767 |
| Equity capital to assets | 9.4740% | 5,126 |
| Core capital (leverage) ratio | 9.2389% | 4,558 |
| Tier 1 risk-based capital ratio | 17.9080% | 2,287 |
| Total risk-based capital ratio | 18.4502% | 2,530 |
| Memoranda: | ||
| Average total assets | $67,814,500 | 5,845 |
| Average earning assets | $60,324,500 | 5,897 |
| Average equity | $6,207,000 | 6,144 |
| Average total loans | $34,994,500 | 5,972 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0572% | 6,563 |
| Cost of funding earning assets | 1.0969% | 3,267 |
| Net interest margin | 2.9603% | 6,675 |
| Noninterest income to average assets | 0.6755% | 2,679 |
| Noninterest expense to average assets | 2.7343% | 4,682 |
| Loan and lease loss provision to assets | 0.0558% | 5,620 |
| Net operating income to assets | 0.4170% | 4,867 |
| Return on assets (ROA) | 0.4170% | 5,021 |
| Pretax return on assets | 0.5169% | 5,003 |
| Return on Equity (ROE) | 4.6094% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.5707% | 3,961 |
| Net charge-offs to loans | 2.0952% | 625 |
| Credit loss provision to net charge-offs | 5.2055% | 5,288 |
| Earnings coverage of net charge-offs (x) | 0.5342% | 4,907 |
| Efficiency ratio | 82.6821% | 1,994 |
| Assets per employee ($millions) | 2.8939% | 6,317 |
| Cash dividends to net income (ytd only)* | 22.5352% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5451% | 7,201 |
| Loan loss allowance to noncurrent loans | 110.8434% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 6,508 |
| Noncurrent loans to loans | 0.4917% | 5,924 |
| Net loans and leases to total assets | 50.4410% | 5,762 |
| Net loans and leases to deposits | 55.8062% | 6,152 |
| Net loans and leases to core deposits | 58.7012% | 6,213 |
| Total domestic deposits to total assets | 90.3860% | 767 |
| Equity capital to assets | 9.3721% | 5,029 |
| Core capital (leverage) ratio | 9.0291% | 4,674 |
| Tier 1 risk-based capital ratio | 18.5871% | 1,973 |
| Total risk-based capital ratio | 19.1454% | 2,163 |
| Memoranda: | ||
| Average total assets | $68,098,670 | 5,884 |
| Average earning assets | $60,533,670 | 5,938 |
| Average equity | $6,161,330 | 6,183 |
| Average total loans | $34,841,000 | 6,034 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 6,495 |
| Cost of funding earning assets | 1.1548% | 3,127 |
| Net interest margin | 2.9467% | 6,679 |
| Noninterest income to average assets | 0.6273% | 2,989 |
| Noninterest expense to average assets | 2.7356% | 4,694 |
| Loan and lease loss provision to assets | 0.0523% | 5,346 |
| Net operating income to assets | 0.3601% | 5,123 |
| Return on assets (ROA) | 0.3601% | 5,206 |
| Pretax return on assets | 0.4182% | 5,288 |
| Return on Equity (ROE) | 4.0503% | 4,875 |
| Retained earnings to average equity (ytd only) | 1.9598% | 4,947 |
| Net charge-offs to loans | -0.0565% | 6,922 |
| Credit loss provision to net charge-offs | -180.0000% | 5,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3261% | 1,796 |
| Assets per employee ($millions) | 3.0300% | 6,096 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 3,714 |
| Loan loss allowance to noncurrent loans | 73.8128% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 4,813 |
| Noncurrent loans to loans | 2.1713% | 3,354 |
| Net loans and leases to total assets | 47.9251% | 6,086 |
| Net loans and leases to deposits | 52.6798% | 6,424 |
| Net loans and leases to core deposits | 55.2579% | 6,468 |
| Total domestic deposits to total assets | 90.9743% | 639 |
| Equity capital to assets | 8.8018% | 5,495 |
| Core capital (leverage) ratio | 8.8959% | 4,779 |
| Tier 1 risk-based capital ratio | 18.2581% | 2,036 |
| Total risk-based capital ratio | 19.5144% | 1,987 |
| Memoranda: | ||
| Average total assets | $68,868,500 | 5,903 |
| Average earning assets | $60,271,500 | 5,987 |
| Average equity | $6,123,000 | 6,202 |
| Average total loans | $35,383,000 | 6,058 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 5,235 |
| Cost of funding earning assets | 1.4651% | 2,855 |
| Net interest margin | 3.3833% | 5,694 |
| Noninterest income to average assets | 0.7127% | 2,767 |
| Noninterest expense to average assets | 2.9904% | 3,885 |
| Loan and lease loss provision to assets | 0.0062% | 7,013 |
| Net operating income to assets | 0.4518% | 4,306 |
| Return on assets (ROA) | 0.4518% | 4,469 |
| Pretax return on assets | 0.5559% | 4,461 |
| Return on Equity (ROE) | 4.7960% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.1149% | 3,680 |
| Net charge-offs to loans | 0.0275% | 6,529 |
| Credit loss provision to net charge-offs | 40.0000% | 6,388 |
| Earnings coverage of net charge-offs (x) | 36.2000% | 630 |
| Efficiency ratio | 84.1783% | 1,896 |
| Assets per employee ($millions) | 2.7219% | 6,649 |
| Cash dividends to net income (ytd only)* | 35.0515% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 4,331 |
| Loan loss allowance to noncurrent loans | 72.8022% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.0698% | 4,864 |
| Noncurrent loans to loans | 1.9770% | 3,597 |
| Net loans and leases to total assets | 53.3352% | 5,730 |
| Net loans and leases to deposits | 58.8150% | 6,177 |
| Net loans and leases to core deposits | 63.6742% | 6,084 |
| Total domestic deposits to total assets | 90.6829% | 757 |
| Equity capital to assets | 8.9820% | 5,166 |
| Core capital (leverage) ratio | 9.1271% | 4,308 |
| Tier 1 risk-based capital ratio | 16.3198% | 2,607 |
| Total risk-based capital ratio | 17.5733% | 2,564 |
| Memoranda: | ||
| Average total assets | $64,405,200 | 6,052 |
| Average earning assets | $54,059,000 | 6,214 |
| Average equity | $6,067,600 | 6,334 |
| Average total loans | $36,343,000 | 6,097 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 4,939 |
| Cost of funding earning assets | 1.5086% | 2,921 |
| Net interest margin | 3.4634% | 5,441 |
| Noninterest income to average assets | 0.7308% | 2,637 |
| Noninterest expense to average assets | 2.9650% | 3,872 |
| Loan and lease loss provision to assets | 0.0084% | 6,937 |
| Net operating income to assets | 0.5187% | 4,222 |
| Return on assets (ROA) | 0.5187% | 4,409 |
| Pretax return on assets | 0.6594% | 4,390 |
| Return on Equity (ROE) | 5.4376% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.1921% | 4,190 |
| Net charge-offs to loans | -0.0258% | 7,386 |
| Credit loss provision to net charge-offs | -57.1429% | 6,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6185% | 2,108 |
| Assets per employee ($millions) | 2.6521% | 6,846 |
| Cash dividends to net income (ytd only)* | 41.2960% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 3,694 |
| Loan loss allowance to noncurrent loans | 377.2414% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 6,815 |
| Noncurrent loans to loans | 0.4141% | 6,371 |
| Net loans and leases to total assets | 51.9901% | 6,106 |
| Net loans and leases to deposits | 57.5121% | 6,507 |
| Net loans and leases to core deposits | 62.1166% | 6,458 |
| Total domestic deposits to total assets | 90.3986% | 679 |
| Equity capital to assets | 9.2454% | 5,228 |
| Core capital (leverage) ratio | 9.4343% | 4,009 |
| Tier 1 risk-based capital ratio | 13.9119% | 3,908 |
| Total risk-based capital ratio | 15.1631% | 3,870 |
| Memoranda: | ||
| Average total assets | $63,494,750 | 6,144 |
| Average earning assets | $53,203,250 | 6,321 |
| Average equity | $6,056,500 | 6,430 |
| Average total loans | $36,223,000 | 6,191 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 4,907 |
| Cost of funding earning assets | 1.5189% | 3,140 |
| Net interest margin | 3.4901% | 5,286 |
| Noninterest income to average assets | 0.7289% | 2,529 |
| Noninterest expense to average assets | 3.0084% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5339% | 4,179 |
| Return on assets (ROA) | 0.5339% | 4,327 |
| Pretax return on assets | 0.6810% | 4,306 |
| Return on Equity (ROE) | 5.5371% | 4,028 |
| Retained earnings to average equity (ytd only) | 3.4151% | 3,943 |
| Net charge-offs to loans | -0.0710% | 7,507 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5425% | 2,228 |
| Assets per employee ($millions) | 2.5791% | 6,984 |
| Cash dividends to net income (ytd only)* | 38.3234% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,756 |
| Loan loss allowance to noncurrent loans | 119.6078% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 5,524 |
| Noncurrent loans to loans | 1.2811% | 4,821 |
| Net loans and leases to total assets | 54.7163% | 5,882 |
| Net loans and leases to deposits | 60.6331% | 6,352 |
| Net loans and leases to core deposits | 64.6402% | 6,350 |
| Total domestic deposits to total assets | 90.2416% | 795 |
| Equity capital to assets | 9.4451% | 4,788 |
| Core capital (leverage) ratio | 9.3177% | 4,085 |
| Tier 1 risk-based capital ratio | 13.8853% | 3,810 |
| Total risk-based capital ratio | 15.1357% | 3,774 |
| Memoranda: | ||
| Average total assets | $62,558,670 | 6,212 |
| Average earning assets | $53,064,330 | 6,361 |
| Average equity | $6,032,000 | 6,458 |
| Average total loans | $36,624,670 | 6,214 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 4,785 |
| Cost of funding earning assets | 1.5119% | 3,479 |
| Net interest margin | 3.5379% | 5,004 |
| Noninterest income to average assets | 0.7013% | 2,598 |
| Noninterest expense to average assets | 3.0845% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5195% | 4,293 |
| Return on assets (ROA) | 0.5195% | 4,432 |
| Pretax return on assets | 0.6559% | 4,386 |
| Return on Equity (ROE) | 5.3307% | 4,193 |
| Retained earnings to average equity (ytd only) | 1.0661% | 5,387 |
| Net charge-offs to loans | -0.0756% | 7,463 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4653% | 2,213 |
| Assets per employee ($millions) | 2.4460% | 7,283 |
| Cash dividends to net income (ytd only)* | 80.0000% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 3,875 |
| Loan loss allowance to noncurrent loans | 96.4476% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 5,212 |
| Noncurrent loans to loans | 1.5629% | 4,401 |
| Net loans and leases to total assets | 55.7888% | 5,777 |
| Net loans and leases to deposits | 61.8097% | 6,295 |
| Net loans and leases to core deposits | 65.9369% | 6,286 |
| Total domestic deposits to total assets | 90.2590% | 851 |
| Equity capital to assets | 9.4328% | 4,638 |
| Core capital (leverage) ratio | 9.5811% | 3,666 |
| Tier 1 risk-based capital ratio | 13.9397% | 3,701 |
| Total risk-based capital ratio | 15.1901% | 3,660 |
| Memoranda: | ||
| Average total assets | $61,599,000 | 6,322 |
| Average earning assets | $52,912,000 | 6,441 |
| Average equity | $6,003,000 | 6,520 |
| Average total loans | $37,022,500 | 6,265 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 5,180 |
| Cost of funding earning assets | 1.6761% | 4,638 |
| Net interest margin | 3.6226% | 4,463 |
| Noninterest income to average assets | 0.8364% | 2,245 |
| Noninterest expense to average assets | 3.1335% | 3,602 |
| Loan and lease loss provision to assets | 0.0397% | 7,150 |
| Net operating income to assets | 0.7348% | 2,792 |
| Return on assets (ROA) | 0.4760% | 3,936 |
| Pretax return on assets | 0.5829% | 3,956 |
| Return on Equity (ROE) | 4.6273% | 3,831 |
| Retained earnings to average equity (ytd only) | 1.4418% | 4,057 |
| Net charge-offs to loans | 0.1098% | 6,062 |
| Credit loss provision to net charge-offs | 56.0976% | 6,680 |
| Earnings coverage of net charge-offs (x) | 13.2683% | 1,438 |
| Efficiency ratio | 76.9589% | 3,366 |
| Assets per employee ($millions) | 2.2923% | 7,477 |
| Cash dividends to net income (ytd only)* | 68.8406% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 4,179 |
| Loan loss allowance to noncurrent loans | 957.1429% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 7,011 |
| Noncurrent loans to loans | 0.1473% | 7,062 |
| Net loans and leases to total assets | 62.8949% | 4,831 |
| Net loans and leases to deposits | 70.3117% | 5,568 |
| Net loans and leases to core deposits | 80.1942% | 6,077 |
| Total domestic deposits to total assets | 89.4515% | 1,241 |
| Equity capital to assets | 10.0787% | 3,649 |
| Core capital (leverage) ratio | 9.5464% | 3,666 |
| Tier 1 risk-based capital ratio | 13.9411% | 3,537 |
| Total risk-based capital ratio | 15.1926% | 3,489 |
| Memoranda: | ||
| Average total assets | $57,986,400 | 6,432 |
| Average earning assets | $51,786,000 | 6,471 |
| Average equity | $5,964,600 | 6,616 |
| Average total loans | $37,332,200 | 6,237 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 5,267 |
| Cost of funding earning assets | 1.7062% | 4,863 |
| Net interest margin | 3.6253% | 4,393 |
| Noninterest income to average assets | 0.8173% | 2,348 |
| Noninterest expense to average assets | 2.9754% | 4,146 |
| Loan and lease loss provision to assets | 0.0440% | 6,928 |
| Net operating income to assets | 0.7710% | 2,932 |
| Return on assets (ROA) | 0.7710% | 2,990 |
| Pretax return on assets | 1.0304% | 2,804 |
| Return on Equity (ROE) | 7.4570% | 2,880 |
| Retained earnings to average equity (ytd only) | 3.2022% | 3,522 |
| Net charge-offs to loans | 0.1687% | 5,042 |
| Credit loss provision to net charge-offs | 40.4255% | 6,418 |
| Earnings coverage of net charge-offs (x) | 9.8715% | 2,046 |
| Efficiency ratio | 73.4706% | 3,960 |
| Assets per employee ($millions) | 2.7174% | 6,810 |
| Cash dividends to net income (ytd only)* | 57.0576% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 3,980 |
| Loan loss allowance to noncurrent loans | 939.2857% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 7,072 |
| Noncurrent loans to loans | 0.1484% | 7,104 |
| Net loans and leases to total assets | 62.2217% | 5,203 |
| Net loans and leases to deposits | 71.1243% | 5,784 |
| Net loans and leases to core deposits | 81.0273% | 6,271 |
| Total domestic deposits to total assets | 87.4831% | 1,898 |
| Equity capital to assets | 10.1751% | 3,874 |
| Core capital (leverage) ratio | 10.0581% | 3,225 |
| Tier 1 risk-based capital ratio | 14.9845% | 3,045 |
| Total risk-based capital ratio | 16.2347% | 2,986 |
| Memoranda: | ||
| Average total assets | $57,582,750 | 6,484 |
| Average earning assets | $51,342,250 | 6,527 |
| Average equity | $5,954,000 | 6,678 |
| Average total loans | $37,159,750 | 6,283 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 5,589 |
| Cost of funding earning assets | 1.7432% | 5,052 |
| Net interest margin | 3.5722% | 4,487 |
| Noninterest income to average assets | 0.8092% | 2,369 |
| Noninterest expense to average assets | 2.9270% | 4,400 |
| Loan and lease loss provision to assets | 0.0457% | 6,771 |
| Net operating income to assets | 0.7880% | 2,898 |
| Return on assets (ROA) | 0.7880% | 2,993 |
| Pretax return on assets | 1.0589% | 2,777 |
| Return on Equity (ROE) | 7.5791% | 2,932 |
| Retained earnings to average equity (ytd only) | 1.1504% | 4,693 |
| Net charge-offs to loans | 0.1461% | 4,721 |
| Credit loss provision to net charge-offs | 48.1481% | 5,792 |
| Earnings coverage of net charge-offs (x) | 11.6296% | 1,885 |
| Efficiency ratio | 72.6003% | 4,278 |
| Assets per employee ($millions) | 2.6109% | 7,032 |
| Cash dividends to net income (ytd only)* | 84.8214% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 3,390 |
| Loan loss allowance to noncurrent loans | 372.4138% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 6,844 |
| Noncurrent loans to loans | 0.3934% | 6,528 |
| Net loans and leases to total assets | 63.2219% | 5,141 |
| Net loans and leases to deposits | 72.4816% | 5,671 |
| Net loans and leases to core deposits | 82.8387% | 6,172 |
| Total domestic deposits to total assets | 87.2247% | 2,140 |
| Equity capital to assets | 10.3588% | 3,555 |
| Core capital (leverage) ratio | 9.7106% | 3,620 |
| Tier 1 risk-based capital ratio | 15.2282% | 2,923 |
| Total risk-based capital ratio | 16.4808% | 2,854 |
| Memoranda: | ||
| Average total assets | $56,849,330 | 6,560 |
| Average earning assets | $51,284,330 | 6,584 |
| Average equity | $5,911,000 | 6,755 |
| Average total loans | $36,971,670 | 6,344 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2275% | 6,196 |
| Cost of funding earning assets | 1.7631% | 5,298 |
| Net interest margin | 3.4644% | 4,879 |
| Noninterest income to average assets | 0.7497% | 2,600 |
| Noninterest expense to average assets | 2.9423% | 4,004 |
| Loan and lease loss provision to assets | 0.0495% | 6,350 |
| Net operating income to assets | 0.7002% | 3,559 |
| Return on assets (ROA) | 0.7002% | 3,750 |
| Pretax return on assets | 0.9265% | 3,615 |
| Return on Equity (ROE) | 6.7215% | 3,706 |
| Retained earnings to average equity (ytd only) | -6.1784% | 6,707 |
| Net charge-offs to loans | 0.3889% | 2,543 |
| Credit loss provision to net charge-offs | 19.4444% | 5,078 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 3,049 |
| Efficiency ratio | 75.0903% | 3,647 |
| Assets per employee ($millions) | 2.6658% | 6,951 |
| Cash dividends to net income (ytd only)* | 191.9192% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 3,375 |
| Loan loss allowance to noncurrent loans | 316.2651% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 6,664 |
| Noncurrent loans to loans | 0.4496% | 6,297 |
| Net loans and leases to total assets | 62.0577% | 5,312 |
| Net loans and leases to deposits | 72.0665% | 5,739 |
| Net loans and leases to core deposits | 82.7987% | 6,160 |
| Total domestic deposits to total assets | 86.1118% | 2,653 |
| Equity capital to assets | 9.9118% | 4,103 |
| Core capital (leverage) ratio | 9.9689% | 3,438 |
| Tier 1 risk-based capital ratio | 15.0944% | 3,016 |
| Total risk-based capital ratio | 16.3474% | 2,959 |
| Memoranda: | ||
| Average total assets | $56,554,500 | 6,602 |
| Average earning assets | $51,726,500 | 6,584 |
| Average equity | $5,891,500 | 6,817 |
| Average total loans | $37,030,500 | 6,379 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8941% | 6,062 |
| Cost of funding earning assets | 2.2160% | 5,527 |
| Net interest margin | 3.6781% | 4,561 |
| Noninterest income to average assets | 0.8634% | 2,144 |
| Noninterest expense to average assets | 3.2058% | 3,317 |
| Loan and lease loss provision to assets | -0.0326% | 8,225 |
| Net operating income to assets | 0.7788% | 3,529 |
| Return on assets (ROA) | 0.7802% | 3,365 |
| Pretax return on assets | 1.0481% | 3,218 |
| Return on Equity (ROE) | 7.5092% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.2406% | 3,133 |
| Net charge-offs to loans | -0.0140% | 7,889 |
| Credit loss provision to net charge-offs | 360.0000% | 1,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9760% | 3,235 |
| Assets per employee ($millions) | 2.2693% | 7,608 |
| Cash dividends to net income (ytd only)* | 56.8445% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 2,740 |
| Loan loss allowance to noncurrent loans | 416.5414% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 6,603 |
| Noncurrent loans to loans | 0.3581% | 6,294 |
| Net loans and leases to total assets | 67.1790% | 4,603 |
| Net loans and leases to deposits | 79.4868% | 5,134 |
| Net loans and leases to core deposits | 92.6324% | 5,575 |
| Total domestic deposits to total assets | 84.5158% | 3,068 |
| Equity capital to assets | 10.9618% | 3,075 |
| Core capital (leverage) ratio | 10.5560% | 2,934 |
| Tier 1 risk-based capital ratio | 15.4969% | 2,848 |
| Total risk-based capital ratio | 16.7494% | 2,781 |
| Memoranda: | ||
| Average total assets | $55,243,800 | 6,565 |
| Average earning assets | $50,406,200 | 6,575 |
| Average equity | $5,739,600 | 6,905 |
| Average total loans | $35,789,800 | 6,378 |