Home > Fredonia Valley Bank > Performance and Condition Ratios
Fredonia Valley Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 1,744 |
| Cost of funding earning assets | 2.0022% | 1,924 |
| Net interest margin | 3.6626% | 1,945 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 2.9338% | 1,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7519% | 2,968 |
| Return on assets (ROA) | 0.7519% | 2,973 |
| Pretax return on assets | 0.8698% | 3,037 |
| Return on Equity (ROE) | 7.7700% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.7685% | 1,755 |
| Net charge-offs to loans | 0.0459% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,250 |
| Efficiency ratio | 77.1318% | 1,157 |
| Assets per employee ($millions) | 4.8605% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,101 |
| Loan loss allowance to noncurrent loans | 99.3256% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9707% | 735 |
| Noncurrent loans to loans | 1.4790% | 665 |
| Net loans and leases to total assets | 64.6700% | 2,427 |
| Net loans and leases to deposits | 74.1611% | 2,549 |
| Net loans and leases to core deposits | 78.4964% | 2,782 |
| Total domestic deposits to total assets | 87.2000% | 1,841 |
| Equity capital to assets | 9.6044% | 2,495 |
| Core capital (leverage) ratio | 12.4635% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $108,529,000 | 3,712 |
| Average earning assets | $99,492,000 | 3,709 |
| Average equity | $10,504,000 | 3,742 |
| Average total loans | $69,749,500 | 3,593 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6061% | 1,938 |
| Cost of funding earning assets | 1.9521% | 2,336 |
| Net interest margin | 3.6539% | 1,779 |
| Noninterest income to average assets | 0.4300% | 2,281 |
| Noninterest expense to average assets | 2.8254% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.7157% | 2,933 |
| Return on assets (ROA) | 0.7157% | 2,955 |
| Pretax return on assets | 0.9207% | 2,749 |
| Return on Equity (ROE) | 6.9600% | 3,031 |
| Retained earnings to average equity (ytd only) | 5.4353% | 2,044 |
| Net charge-offs to loans | 0.0466% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,513 |
| Efficiency ratio | 75.4220% | 1,421 |
| Assets per employee ($millions) | 4.7882% | 3,776 |
| Cash dividends to net income (ytd only)* | 21.9545% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 1,019 |
| Loan loss allowance to noncurrent loans | 75.7841% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2449% | 503 |
| Noncurrent loans to loans | 1.9779% | 402 |
| Net loans and leases to total assets | 62.0000% | 2,763 |
| Net loans and leases to deposits | 71.6177% | 2,816 |
| Net loans and leases to core deposits | 74.4518% | 3,126 |
| Total domestic deposits to total assets | 86.5700% | 2,011 |
| Equity capital to assets | 9.7505% | 2,279 |
| Core capital (leverage) ratio | 13.0461% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $104,373,600 | 3,739 |
| Average earning assets | $94,665,200 | 3,739 |
| Average equity | $10,726,200 | 3,701 |
| Average total loans | $66,496,000 | 3,621 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 1,962 |
| Cost of funding earning assets | 1.8894% | 2,496 |
| Net interest margin | 3.6728% | 1,702 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.8185% | 1,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6930% | 2,995 |
| Return on assets (ROA) | 0.6930% | 3,022 |
| Pretax return on assets | 0.8950% | 2,814 |
| Return on Equity (ROE) | 6.6500% | 3,138 |
| Retained earnings to average equity (ytd only) | 6.6520% | 1,859 |
| Net charge-offs to loans | 0.1054% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 13.2885% | 1,998 |
| Efficiency ratio | 75.8982% | 1,412 |
| Assets per employee ($millions) | 5.0331% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 1,018 |
| Loan loss allowance to noncurrent loans | 95.5869% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 639 |
| Noncurrent loans to loans | 1.5811% | 580 |
| Net loans and leases to total assets | 62.7700% | 2,657 |
| Net loans and leases to deposits | 73.8734% | 2,681 |
| Net loans and leases to core deposits | 78.5131% | 2,916 |
| Total domestic deposits to total assets | 84.9700% | 2,306 |
| Equity capital to assets | 10.8662% | 1,800 |
| Core capital (leverage) ratio | 13.5237% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $102,935,000 | 3,767 |
| Average earning assets | $93,006,500 | 3,777 |
| Average equity | $10,723,250 | 3,710 |
| Average total loans | $65,791,250 | 3,641 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4419% | 2,077 |
| Cost of funding earning assets | 1.7987% | 2,620 |
| Net interest margin | 3.6432% | 1,705 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.8525% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6960% | 2,947 |
| Return on assets (ROA) | 0.6960% | 2,970 |
| Pretax return on assets | 0.8038% | 2,988 |
| Return on Equity (ROE) | 6.7800% | 3,056 |
| Retained earnings to average equity (ytd only) | 6.7817% | 1,727 |
| Net charge-offs to loans | 0.0674% | 1,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 18.6364% | 1,670 |
| Efficiency ratio | 78.0161% | 1,282 |
| Assets per employee ($millions) | 4.7607% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 904 |
| Loan loss allowance to noncurrent loans | 179.1453% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5586% | 1,220 |
| Noncurrent loans to loans | 0.8819% | 1,074 |
| Net loans and leases to total assets | 62.3300% | 2,728 |
| Net loans and leases to deposits | 76.2518% | 2,524 |
| Net loans and leases to core deposits | 80.0260% | 2,810 |
| Total domestic deposits to total assets | 81.7500% | 3,138 |
| Equity capital to assets | 10.1208% | 2,001 |
| Core capital (leverage) ratio | 13.8586% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $102,015,000 | 3,790 |
| Average earning assets | $91,732,667 | 3,799 |
| Average equity | $10,469,333 | 3,725 |
| Average total loans | $65,268,333 | 3,655 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 2,141 |
| Cost of funding earning assets | 1.7038% | 2,759 |
| Net interest margin | 3.6248% | 1,690 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.9328% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8027% | 2,534 |
| Return on assets (ROA) | 0.8027% | 2,548 |
| Pretax return on assets | 0.8782% | 2,721 |
| Return on Equity (ROE) | 7.7700% | 2,757 |
| Retained earnings to average equity (ytd only) | 7.7662% | 1,618 |
| Net charge-offs to loans | 0.0433% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 31.5714% | 1,157 |
| Efficiency ratio | 76.9552% | 1,454 |
| Assets per employee ($millions) | 4.4179% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 827 |
| Loan loss allowance to noncurrent loans | 220.0828% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 1,075 |
| Noncurrent loans to loans | 0.7337% | 1,209 |
| Net loans and leases to total assets | 63.7400% | 2,499 |
| Net loans and leases to deposits | 75.7624% | 2,444 |
| Net loans and leases to core deposits | 77.8776% | 2,860 |
| Total domestic deposits to total assets | 84.1400% | 2,672 |
| Equity capital to assets | 10.1062% | 1,947 |
| Core capital (leverage) ratio | 13.6680% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $100,655,000 | 3,820 |
| Average earning assets | $92,031,500 | 3,816 |
| Average equity | $10,404,000 | 3,747 |
| Average total loans | $64,735,500 | 3,666 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 2,255 |
| Cost of funding earning assets | 1.0143% | 3,265 |
| Net interest margin | 3.8972% | 1,383 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.9198% | 1,234 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8715% | 2,629 |
| Return on assets (ROA) | 0.8749% | 2,593 |
| Pretax return on assets | 1.0451% | 2,549 |
| Return on Equity (ROE) | 8.9300% | 2,773 |
| Retained earnings to average equity (ytd only) | 7.2014% | 1,829 |
| Net charge-offs to loans | 0.0890% | 983 |
| Credit loss provision to net charge-offs | 145.4545% | 1,499 |
| Earnings coverage of net charge-offs (x) | 20.2545% | 1,864 |
| Efficiency ratio | 72.2471% | 1,639 |
| Assets per employee ($millions) | 4.5318% | 3,935 |
| Cash dividends to net income (ytd only)* | 19.3326% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 694 |
| Loan loss allowance to noncurrent loans | 159.9402% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 644 |
| Noncurrent loans to loans | 1.0513% | 700 |
| Net loans and leases to total assets | 62.7600% | 2,599 |
| Net loans and leases to deposits | 73.9286% | 2,620 |
| Net loans and leases to core deposits | 76.6530% | 2,933 |
| Total domestic deposits to total assets | 84.8900% | 2,342 |
| Equity capital to assets | 10.5708% | 1,698 |
| Core capital (leverage) ratio | 13.9879% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $99,322,200 | 3,842 |
| Average earning assets | $90,603,400 | 3,830 |
| Average equity | $9,734,200 | 3,750 |
| Average total loans | $61,782,400 | 3,682 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 2,231 |
| Cost of funding earning assets | 0.8840% | 3,314 |
| Net interest margin | 3.9308% | 1,341 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.8177% | 1,395 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8987% | 2,683 |
| Return on assets (ROA) | 0.9029% | 2,656 |
| Pretax return on assets | 1.2429% | 2,192 |
| Return on Equity (ROE) | 9.4000% | 2,825 |
| Retained earnings to average equity (ytd only) | 9.0630% | 1,664 |
| Net charge-offs to loans | 0.0870% | 868 |
| Credit loss provision to net charge-offs | 50.0000% | 1,890 |
| Earnings coverage of net charge-offs (x) | 23.5250% | 1,731 |
| Efficiency ratio | 69.0257% | 1,897 |
| Assets per employee ($millions) | 4.6468% | 3,855 |
| Cash dividends to net income (ytd only)* | 3.5714% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 845 |
| Loan loss allowance to noncurrent loans | 221.3823% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 1,223 |
| Noncurrent loans to loans | 0.7348% | 1,122 |
| Net loans and leases to total assets | 63.5200% | 2,502 |
| Net loans and leases to deposits | 77.0385% | 2,331 |
| Net loans and leases to core deposits | 79.7656% | 2,621 |
| Total domestic deposits to total assets | 82.4600% | 3,132 |
| Equity capital to assets | 9.4555% | 2,124 |
| Core capital (leverage) ratio | 14.0234% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $99,228,000 | 3,854 |
| Average earning assets | $90,497,500 | 3,845 |
| Average equity | $9,533,000 | 3,766 |
| Average total loans | $61,318,500 | 3,698 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 2,227 |
| Cost of funding earning assets | 0.7411% | 3,374 |
| Net interest margin | 3.9511% | 1,325 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.7682% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0022% | 2,410 |
| Return on assets (ROA) | 1.0022% | 2,406 |
| Pretax return on assets | 1.3350% | 1,975 |
| Return on Equity (ROE) | 10.3800% | 2,601 |
| Retained earnings to average equity (ytd only) | 9.8806% | 1,436 |
| Net charge-offs to loans | 0.0593% | 953 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,444 |
| Efficiency ratio | 67.4646% | 2,051 |
| Assets per employee ($millions) | 4.2944% | 4,055 |
| Cash dividends to net income (ytd only)* | 4.8000% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 833 |
| Loan loss allowance to noncurrent loans | 179.8599% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 936 |
| Noncurrent loans to loans | 0.9187% | 836 |
| Net loans and leases to total assets | 61.8800% | 2,587 |
| Net loans and leases to deposits | 71.7000% | 2,670 |
| Net loans and leases to core deposits | 73.8376% | 2,900 |
| Total domestic deposits to total assets | 86.3100% | 2,145 |
| Equity capital to assets | 10.0241% | 1,846 |
| Core capital (leverage) ratio | 13.4636% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $99,776,333 | 3,861 |
| Average earning assets | $91,214,000 | 3,852 |
| Average equity | $9,635,000 | 3,782 |
| Average total loans | $60,753,333 | 3,713 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 2,390 |
| Cost of funding earning assets | 0.6621% | 3,182 |
| Net interest margin | 3.8069% | 1,675 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.7005% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9294% | 2,756 |
| Return on assets (ROA) | 0.9294% | 2,715 |
| Pretax return on assets | 1.2645% | 2,270 |
| Return on Equity (ROE) | 9.8100% | 2,843 |
| Retained earnings to average equity (ytd only) | 9.8085% | 1,742 |
| Net charge-offs to loans | -0.0866% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.1087% | 1,957 |
| Assets per employee ($millions) | 4.4663% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 734 |
| Loan loss allowance to noncurrent loans | 121.4696% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 549 |
| Noncurrent loans to loans | 1.4335% | 460 |
| Net loans and leases to total assets | 58.1200% | 2,861 |
| Net loans and leases to deposits | 65.8407% | 2,947 |
| Net loans and leases to core deposits | 67.6422% | 3,121 |
| Total domestic deposits to total assets | 88.2700% | 1,833 |
| Equity capital to assets | 9.5039% | 2,140 |
| Core capital (leverage) ratio | 13.5760% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $100,278,500 | 3,909 |
| Average earning assets | $91,832,500 | 3,898 |
| Average equity | $9,502,000 | 3,839 |
| Average total loans | $60,054,000 | 3,760 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 999 |
| Cost of funding earning assets | 0.1785% | 3,925 |
| Net interest margin | 4.1565% | 601 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.6582% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1052% | 2,154 |
| Return on assets (ROA) | 1.1052% | 2,088 |
| Pretax return on assets | 1.4510% | 1,611 |
| Return on Equity (ROE) | 10.7700% | 2,554 |
| Retained earnings to average equity (ytd only) | 9.4909% | 1,320 |
| Net charge-offs to loans | 0.0018% | 2,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,435.0000% | 124 |
| Efficiency ratio | 64.6900% | 2,405 |
| Assets per employee ($millions) | 4.4469% | 4,072 |
| Cash dividends to net income (ytd only)* | 11.8939% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 710 |
| Loan loss allowance to noncurrent loans | 144.3370% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 641 |
| Noncurrent loans to loans | 1.2199% | 573 |
| Net loans and leases to total assets | 59.5900% | 2,678 |
| Net loans and leases to deposits | 68.4199% | 2,707 |
| Net loans and leases to core deposits | 69.8956% | 2,882 |
| Total domestic deposits to total assets | 87.1000% | 2,365 |
| Equity capital to assets | 9.4459% | 2,051 |
| Core capital (leverage) ratio | 13.6495% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $98,900,000 | 3,937 |
| Average earning assets | $89,642,000 | 3,933 |
| Average equity | $10,146,600 | 3,854 |
| Average total loans | $56,505,200 | 3,799 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 674 |
| Cost of funding earning assets | 0.1501% | 3,844 |
| Net interest margin | 4.1868% | 435 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.5922% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1321% | 1,967 |
| Return on assets (ROA) | 1.1321% | 1,932 |
| Pretax return on assets | 1.4951% | 1,424 |
| Return on Equity (ROE) | 10.8200% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.1389% | 1,605 |
| Net charge-offs to loans | -0.0908% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4211% | 2,634 |
| Assets per employee ($millions) | 4.3344% | 4,162 |
| Cash dividends to net income (ytd only)* | 15.5582% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 625 |
| Loan loss allowance to noncurrent loans | 184.6678% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 863 |
| Noncurrent loans to loans | 1.0172% | 750 |
| Net loans and leases to total assets | 59.3800% | 2,570 |
| Net loans and leases to deposits | 66.1260% | 2,708 |
| Net loans and leases to core deposits | 67.2075% | 2,864 |
| Total domestic deposits to total assets | 89.8000% | 1,744 |
| Equity capital to assets | 9.0575% | 2,173 |
| Core capital (leverage) ratio | 13.2241% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $99,167,250 | 3,964 |
| Average earning assets | $89,740,500 | 3,961 |
| Average equity | $10,373,000 | 3,875 |
| Average total loans | $55,794,750 | 3,824 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 444 |
| Cost of funding earning assets | 0.1429% | 3,667 |
| Net interest margin | 4.2513% | 303 |
| Noninterest income to average assets | 0.2808% | 3,483 |
| Noninterest expense to average assets | 2.3876% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3083% | 1,116 |
| Return on assets (ROA) | 1.3083% | 1,098 |
| Pretax return on assets | 1.7444% | 683 |
| Return on Equity (ROE) | 11.9982% | 1,670 |
| Retained earnings to average equity (ytd only) | 11.9982% | 606 |
| Net charge-offs to loans | -0.1233% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7831% | 3,590 |
| Assets per employee ($millions) | 4.5862% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 620 |
| Loan loss allowance to noncurrent loans | 192.1708% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 783 |
| Noncurrent loans to loans | 1.0085% | 827 |
| Net loans and leases to total assets | 56.7401% | 2,674 |
| Net loans and leases to deposits | 63.9790% | 2,722 |
| Net loans and leases to core deposits | 65.0281% | 2,897 |
| Total domestic deposits to total assets | 88.6856% | 2,302 |
| Equity capital to assets | 10.2615% | 1,557 |
| Core capital (leverage) ratio | 13.2183% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,437,333 | 3,986 |
| Average earning assets | $90,985,000 | 4,003 |
| Average equity | $10,951,667 | 3,894 |
| Average total loans | $55,156,667 | 3,875 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 157 |
| Cost of funding earning assets | 0.1378% | 3,666 |
| Net interest margin | 4.8520% | 111 |
| Noninterest income to average assets | 0.1405% | 4,310 |
| Noninterest expense to average assets | 2.3102% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7834% | 340 |
| Return on assets (ROA) | 1.7834% | 338 |
| Pretax return on assets | 2.2283% | 249 |
| Return on Equity (ROE) | 15.9150% | 546 |
| Retained earnings to average equity (ytd only) | 15.9150% | 239 |
| Net charge-offs to loans | -0.2551% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9028% | 4,262 |
| Assets per employee ($millions) | 4.8796% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9588% | 671 |
| Loan loss allowance to noncurrent loans | 236.0262% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 960 |
| Noncurrent loans to loans | 0.8299% | 1,131 |
| Net loans and leases to total assets | 52.8008% | 2,905 |
| Net loans and leases to deposits | 59.6874% | 2,930 |
| Net loans and leases to core deposits | 60.6040% | 3,094 |
| Total domestic deposits to total assets | 88.4622% | 2,311 |
| Equity capital to assets | 10.5824% | 1,557 |
| Core capital (leverage) ratio | 12.3979% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,500,500 | 3,981 |
| Average earning assets | $92,911,000 | 3,996 |
| Average equity | $11,486,000 | 3,908 |
| Average total loans | $54,871,500 | 3,889 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 1,609 |
| Cost of funding earning assets | 0.1582% | 3,890 |
| Net interest margin | 3.7438% | 1,112 |
| Noninterest income to average assets | 0.4677% | 2,740 |
| Noninterest expense to average assets | 2.7308% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9996% | 2,666 |
| Return on assets (ROA) | 1.0167% | 2,684 |
| Pretax return on assets | 1.2196% | 2,600 |
| Return on Equity (ROE) | 7.1362% | 3,478 |
| Retained earnings to average equity (ytd only) | -15.9427% | 4,800 |
| Net charge-offs to loans | -0.0263% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4889% | 1,792 |
| Assets per employee ($millions) | 5.1265% | 3,619 |
| Cash dividends to net income (ytd only)* | 323.4043% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 701 |
| Loan loss allowance to noncurrent loans | 63.1261% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.7624% | 204 |
| Noncurrent loans to loans | 3.0372% | 191 |
| Net loans and leases to total assets | 52.1901% | 3,041 |
| Net loans and leases to deposits | 59.7817% | 3,098 |
| Net loans and leases to core deposits | 60.7102% | 3,265 |
| Total domestic deposits to total assets | 87.3012% | 2,388 |
| Equity capital to assets | 11.8288% | 1,331 |
| Core capital (leverage) ratio | 12.6355% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,079,400 | 4,024 |
| Average earning assets | $89,775,200 | 4,028 |
| Average equity | $13,830,800 | 3,758 |
| Average total loans | $56,939,000 | 3,874 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 1,592 |
| Cost of funding earning assets | 0.1629% | 3,991 |
| Net interest margin | 3.8158% | 1,085 |
| Noninterest income to average assets | 0.4708% | 2,750 |
| Noninterest expense to average assets | 2.6689% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0865% | 2,607 |
| Return on assets (ROA) | 1.1088% | 2,576 |
| Pretax return on assets | 1.3860% | 2,392 |
| Return on Equity (ROE) | 7.4444% | 3,551 |
| Retained earnings to average equity (ytd only) | -12.2234% | 4,861 |
| Net charge-offs to loans | 0.0788% | 876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 28.6765% | 1,546 |
| Efficiency ratio | 66.2746% | 2,067 |
| Assets per employee ($millions) | 4.9284% | 3,767 |
| Cash dividends to net income (ytd only)* | 264.1960% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 1,008 |
| Loan loss allowance to noncurrent loans | 59.0290% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.9639% | 194 |
| Noncurrent loans to loans | 2.9712% | 223 |
| Net loans and leases to total assets | 59.6429% | 2,308 |
| Net loans and leases to deposits | 70.4159% | 2,194 |
| Net loans and leases to core deposits | 71.4163% | 2,478 |
| Total domestic deposits to total assets | 84.7008% | 3,220 |
| Equity capital to assets | 14.0636% | 724 |
| Core capital (leverage) ratio | 13.9532% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,717,000 | 4,085 |
| Average earning assets | $89,206,750 | 4,080 |
| Average equity | $14,256,500 | 3,758 |
| Average total loans | $57,534,750 | 3,915 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1053% | 1,337 |
| Cost of funding earning assets | 0.1675% | 4,064 |
| Net interest margin | 3.9378% | 913 |
| Noninterest income to average assets | 0.4543% | 2,823 |
| Noninterest expense to average assets | 2.7694% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0750% | 2,627 |
| Return on assets (ROA) | 1.1015% | 2,604 |
| Pretax return on assets | 1.3754% | 2,404 |
| Return on Equity (ROE) | 7.2645% | 3,590 |
| Retained earnings to average equity (ytd only) | -0.2326% | 4,541 |
| Net charge-offs to loans | 0.0312% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 71.8889% | 891 |
| Efficiency ratio | 67.3562% | 1,959 |
| Assets per employee ($millions) | 4.7364% | 3,898 |
| Cash dividends to net income (ytd only)* | 103.2015% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 904 |
| Loan loss allowance to noncurrent loans | 50.6944% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 2.2866% | 166 |
| Noncurrent loans to loans | 3.5234% | 178 |
| Net loans and leases to total assets | 59.3242% | 2,504 |
| Net loans and leases to deposits | 71.0416% | 2,295 |
| Net loans and leases to core deposits | 72.0517% | 2,601 |
| Total domestic deposits to total assets | 83.5063% | 3,577 |
| Equity capital to assets | 15.2829% | 485 |
| Core capital (leverage) ratio | 14.6481% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,409,667 | 4,099 |
| Average earning assets | $89,543,333 | 4,093 |
| Average equity | $14,619,000 | 3,727 |
| Average total loans | $57,764,333 | 3,935 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 1,447 |
| Cost of funding earning assets | 0.1724% | 4,141 |
| Net interest margin | 3.9023% | 984 |
| Noninterest income to average assets | 0.4483% | 2,832 |
| Noninterest expense to average assets | 2.7393% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0735% | 2,556 |
| Return on assets (ROA) | 1.1229% | 2,483 |
| Pretax return on assets | 1.4026% | 2,273 |
| Return on Equity (ROE) | 7.4336% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.4336% | 2,442 |
| Net charge-offs to loans | -0.0138% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1371% | 2,049 |
| Assets per employee ($millions) | 4.8747% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 897 |
| Loan loss allowance to noncurrent loans | 51.6242% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 240 |
| Noncurrent loans to loans | 3.4598% | 198 |
| Net loans and leases to total assets | 58.2637% | 2,774 |
| Net loans and leases to deposits | 69.4974% | 2,560 |
| Net loans and leases to core deposits | 70.4472% | 2,833 |
| Total domestic deposits to total assets | 83.8358% | 3,487 |
| Equity capital to assets | 15.0216% | 490 |
| Core capital (leverage) ratio | 15.3079% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,251,000 | 4,105 |
| Average earning assets | $90,511,000 | 4,091 |
| Average equity | $14,690,000 | 3,719 |
| Average total loans | $58,037,500 | 3,944 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 1,782 |
| Cost of funding earning assets | 0.2453% | 4,401 |
| Net interest margin | 4.0808% | 820 |
| Noninterest income to average assets | 0.4836% | 2,707 |
| Noninterest expense to average assets | 3.0708% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9894% | 2,336 |
| Return on assets (ROA) | 1.0647% | 2,186 |
| Pretax return on assets | 1.2532% | 2,143 |
| Return on Equity (ROE) | 6.2748% | 3,495 |
| Retained earnings to average equity (ytd only) | -1.4811% | 4,673 |
| Net charge-offs to loans | 0.2025% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 8.9483% | 2,559 |
| Efficiency ratio | 72.5033% | 1,625 |
| Assets per employee ($millions) | 4.8505% | 3,551 |
| Cash dividends to net income (ytd only)* | 123.6038% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 908 |
| Loan loss allowance to noncurrent loans | 48.3357% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.1988% | 238 |
| Noncurrent loans to loans | 3.6625% | 175 |
| Net loans and leases to total assets | 58.9718% | 2,984 |
| Net loans and leases to deposits | 70.5514% | 2,820 |
| Net loans and leases to core deposits | 71.5216% | 3,128 |
| Total domestic deposits to total assets | 83.5871% | 3,240 |
| Equity capital to assets | 15.1893% | 540 |
| Core capital (leverage) ratio | 15.1060% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,131,000 | 4,124 |
| Average earning assets | $81,945,000 | 4,135 |
| Average equity | $15,124,000 | 3,639 |
| Average total loans | $57,291,800 | 3,960 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 1,526 |
| Cost of funding earning assets | 0.2639% | 4,455 |
| Net interest margin | 4.2527% | 648 |
| Noninterest income to average assets | 0.4406% | 2,885 |
| Noninterest expense to average assets | 2.9064% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1424% | 1,845 |
| Return on assets (ROA) | 1.2329% | 1,665 |
| Pretax return on assets | 1.5419% | 1,351 |
| Return on Equity (ROE) | 7.0601% | 3,172 |
| Retained earnings to average equity (ytd only) | 6.5871% | 1,852 |
| Net charge-offs to loans | 0.1636% | 902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 13.3429% | 2,203 |
| Efficiency ratio | 67.0430% | 2,308 |
| Assets per employee ($millions) | 3.7449% | 4,524 |
| Cash dividends to net income (ytd only)* | 6.6998% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 681 |
| Loan loss allowance to noncurrent loans | 52.3578% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.7805% | 174 |
| Noncurrent loans to loans | 3.4909% | 232 |
| Net loans and leases to total assets | 64.3635% | 2,728 |
| Net loans and leases to deposits | 79.5905% | 2,363 |
| Net loans and leases to core deposits | 80.8057% | 2,770 |
| Total domestic deposits to total assets | 80.8683% | 3,687 |
| Equity capital to assets | 17.4683% | 340 |
| Core capital (leverage) ratio | 16.9687% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,161,500 | 4,158 |
| Average earning assets | $79,821,750 | 4,169 |
| Average equity | $15,221,250 | 3,634 |
| Average total loans | $57,055,000 | 3,982 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 1,704 |
| Cost of funding earning assets | 0.2787% | 4,540 |
| Net interest margin | 4.2972% | 759 |
| Noninterest income to average assets | 0.4521% | 2,794 |
| Noninterest expense to average assets | 2.9215% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1705% | 1,724 |
| Return on assets (ROA) | 1.3077% | 1,446 |
| Pretax return on assets | 1.6347% | 1,144 |
| Return on Equity (ROE) | 7.4892% | 2,937 |
| Retained earnings to average equity (ytd only) | 6.7722% | 1,751 |
| Net charge-offs to loans | 0.2126% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.5167% | 2,145 |
| Efficiency ratio | 66.6314% | 2,428 |
| Assets per employee ($millions) | 3.8099% | 4,455 |
| Cash dividends to net income (ytd only)* | 9.5745% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 547 |
| Loan loss allowance to noncurrent loans | 49.5668% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.8817% | 174 |
| Noncurrent loans to loans | 3.8014% | 191 |
| Net loans and leases to total assets | 61.9021% | 3,140 |
| Net loans and leases to deposits | 75.9881% | 2,869 |
| Net loans and leases to core deposits | 77.1176% | 3,186 |
| Total domestic deposits to total assets | 81.4628% | 3,509 |
| Equity capital to assets | 16.8945% | 384 |
| Core capital (leverage) ratio | 17.1927% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,256,333 | 4,175 |
| Average earning assets | $78,935,667 | 4,179 |
| Average equity | $15,061,667 | 3,651 |
| Average total loans | $56,431,667 | 4,009 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 2,268 |
| Cost of funding earning assets | 0.2976% | 4,665 |
| Net interest margin | 4.2186% | 886 |
| Noninterest income to average assets | 0.5211% | 2,436 |
| Noninterest expense to average assets | 2.8733% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2096% | 1,483 |
| Return on assets (ROA) | 1.3817% | 1,110 |
| Pretax return on assets | 1.7259% | 824 |
| Return on Equity (ROE) | 7.7748% | 2,603 |
| Retained earnings to average equity (ytd only) | 7.0754% | 1,510 |
| Net charge-offs to loans | 0.6308% | 235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 3.5909% | 2,201 |
| Efficiency ratio | 65.5398% | 3,023 |
| Assets per employee ($millions) | 3.9457% | 4,003 |
| Cash dividends to net income (ytd only)* | 8.9965% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 585 |
| Loan loss allowance to noncurrent loans | 43.1540% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 3.1608% | 177 |
| Noncurrent loans to loans | 4.4446% | 153 |
| Net loans and leases to total assets | 65.3568% | 2,889 |
| Net loans and leases to deposits | 81.3893% | 2,534 |
| Net loans and leases to core deposits | 82.4237% | 2,987 |
| Total domestic deposits to total assets | 80.3015% | 3,799 |
| Equity capital to assets | 17.9618% | 360 |
| Core capital (leverage) ratio | 17.9530% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,665,500 | 4,212 |
| Average earning assets | $76,614,000 | 4,221 |
| Average equity | $14,868,500 | 3,674 |
| Average total loans | $55,803,000 | 4,037 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 2,239 |
| Cost of funding earning assets | 0.3412% | 4,622 |
| Net interest margin | 4.3898% | 908 |
| Noninterest income to average assets | 0.6122% | 2,167 |
| Noninterest expense to average assets | 3.0805% | 1,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2806% | 1,764 |
| Return on assets (ROA) | 1.2137% | 2,099 |
| Pretax return on assets | 1.4591% | 1,944 |
| Return on Equity (ROE) | 7.0426% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.2679% | 1,735 |
| Net charge-offs to loans | 0.1110% | 1,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 20.3175% | 1,942 |
| Efficiency ratio | 66.6753% | 2,666 |
| Assets per employee ($millions) | 4.0225% | 3,873 |
| Cash dividends to net income (ytd only)* | 11.0010% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0339% | 438 |
| Loan loss allowance to noncurrent loans | 32.6409% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 4.3553% | 83 |
| Noncurrent loans to loans | 6.2313% | 62 |
| Net loans and leases to total assets | 65.4016% | 3,027 |
| Net loans and leases to deposits | 81.1510% | 2,649 |
| Net loans and leases to core deposits | 82.1563% | 3,108 |
| Total domestic deposits to total assets | 80.5924% | 3,855 |
| Equity capital to assets | 17.5845% | 405 |
| Core capital (leverage) ratio | 17.3852% | 380 |
| Tier 1 risk-based capital ratio | 27.0017% | 615 |
| Total risk-based capital ratio | 28.2611% | 604 |
| Memoranda: | ||
| Average total assets | $83,136,000 | 4,241 |
| Average earning assets | $75,902,600 | 4,253 |
| Average equity | $14,327,000 | 3,707 |
| Average total loans | $56,748,400 | 4,036 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 2,243 |
| Cost of funding earning assets | 0.3408% | 4,688 |
| Net interest margin | 4.4201% | 908 |
| Noninterest income to average assets | 0.6183% | 2,115 |
| Noninterest expense to average assets | 2.8743% | 2,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4024% | 1,464 |
| Return on assets (ROA) | 1.3172% | 1,857 |
| Pretax return on assets | 1.6666% | 1,430 |
| Return on Equity (ROE) | 7.6831% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.6831% | 1,547 |
| Net charge-offs to loans | 0.1806% | 947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 14.3123% | 2,251 |
| Efficiency ratio | 61.8289% | 3,350 |
| Assets per employee ($millions) | 4.0524% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 486 |
| Loan loss allowance to noncurrent loans | 31.3764% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 4.7577% | 82 |
| Noncurrent loans to loans | 6.3165% | 66 |
| Net loans and leases to total assets | 69.1389% | 2,603 |
| Net loans and leases to deposits | 91.7899% | 1,462 |
| Net loans and leases to core deposits | 92.2934% | 2,337 |
| Total domestic deposits to total assets | 75.3230% | 4,713 |
| Equity capital to assets | 18.2622% | 373 |
| Core capital (leverage) ratio | 17.8492% | 364 |
| Tier 1 risk-based capital ratio | 26.7668% | 661 |
| Total risk-based capital ratio | 28.0258% | 647 |
| Memoranda: | ||
| Average total assets | $82,802,000 | 4,298 |
| Average earning assets | $75,502,500 | 4,315 |
| Average equity | $14,195,250 | 3,754 |
| Average total loans | $56,837,250 | 4,081 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 1,940 |
| Cost of funding earning assets | 0.3308% | 4,734 |
| Net interest margin | 4.5077% | 760 |
| Noninterest income to average assets | 0.6068% | 2,115 |
| Noninterest expense to average assets | 2.8638% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4703% | 1,229 |
| Return on assets (ROA) | 1.4703% | 1,283 |
| Pretax return on assets | 1.8612% | 911 |
| Return on Equity (ROE) | 8.7613% | 2,950 |
| Retained earnings to average equity (ytd only) | 8.7613% | 1,109 |
| Net charge-offs to loans | -0.0071% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6091% | 3,639 |
| Assets per employee ($millions) | 4.0709% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1318% | 372 |
| Loan loss allowance to noncurrent loans | 39.6857% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 3.8001% | 120 |
| Noncurrent loans to loans | 5.3717% | 89 |
| Net loans and leases to total assets | 68.3399% | 2,774 |
| Net loans and leases to deposits | 88.2840% | 1,966 |
| Net loans and leases to core deposits | 88.7501% | 2,726 |
| Total domestic deposits to total assets | 77.4092% | 4,503 |
| Equity capital to assets | 17.7848% | 399 |
| Core capital (leverage) ratio | 17.6174% | 370 |
| Tier 1 risk-based capital ratio | 26.6096% | 650 |
| Total risk-based capital ratio | 27.8717% | 643 |
| Memoranda: | ||
| Average total assets | $83,387,000 | 4,318 |
| Average earning assets | $76,181,330 | 4,326 |
| Average equity | $13,993,330 | 3,788 |
| Average total loans | $56,727,000 | 4,112 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 2,129 |
| Cost of funding earning assets | 0.3158% | 4,793 |
| Net interest margin | 4.4113% | 877 |
| Noninterest income to average assets | 0.5737% | 2,161 |
| Noninterest expense to average assets | 2.7213% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4934% | 1,128 |
| Return on assets (ROA) | 1.4934% | 1,156 |
| Pretax return on assets | 1.8916% | 808 |
| Return on Equity (ROE) | 9.1636% | 2,725 |
| Retained earnings to average equity (ytd only) | 9.1636% | 1,254 |
| Net charge-offs to loans | 0.1059% | 1,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,400 |
| Efficiency ratio | 58.9928% | 3,953 |
| Assets per employee ($millions) | 4.3326% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1039% | 417 |
| Loan loss allowance to noncurrent loans | 84.5718% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.8015% | 583 |
| Noncurrent loans to loans | 2.4877% | 530 |
| Net loans and leases to total assets | 67.5474% | 2,823 |
| Net loans and leases to deposits | 86.3150% | 2,095 |
| Net loans and leases to core deposits | 86.7608% | 2,796 |
| Total domestic deposits to total assets | 78.2568% | 4,474 |
| Equity capital to assets | 17.0396% | 441 |
| Core capital (leverage) ratio | 17.2698% | 397 |
| Tier 1 risk-based capital ratio | 26.2519% | 669 |
| Total risk-based capital ratio | 27.5122% | 652 |
| Memoranda: | ||
| Average total assets | $84,371,500 | 4,347 |
| Average earning assets | $77,256,000 | 4,349 |
| Average equity | $13,750,000 | 3,838 |
| Average total loans | $56,664,000 | 4,151 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 1,238 |
| Cost of funding earning assets | 0.3251% | 4,435 |
| Net interest margin | 4.5913% | 617 |
| Noninterest income to average assets | 0.6337% | 2,136 |
| Noninterest expense to average assets | 2.9623% | 2,159 |
| Loan and lease loss provision to assets | 0.0983% | 2,213 |
| Net operating income to assets | 1.4747% | 1,188 |
| Return on assets (ROA) | 1.4664% | 1,206 |
| Pretax return on assets | 1.7440% | 1,061 |
| Return on Equity (ROE) | 9.3449% | 2,816 |
| Retained earnings to average equity (ytd only) | 9.3449% | 770 |
| Net charge-offs to loans | 0.0930% | 1,841 |
| Credit loss provision to net charge-offs | 156.8627% | 1,771 |
| Earnings coverage of net charge-offs (x) | 29.5686% | 1,620 |
| Efficiency ratio | 61.5306% | 3,619 |
| Assets per employee ($millions) | 4.3212% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1405% | 375 |
| Loan loss allowance to noncurrent loans | 98.5342% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5089% | 781 |
| Noncurrent loans to loans | 2.1724% | 594 |
| Net loans and leases to total assets | 64.0084% | 3,356 |
| Net loans and leases to deposits | 80.1687% | 2,935 |
| Net loans and leases to core deposits | 80.9062% | 3,357 |
| Total domestic deposits to total assets | 79.8422% | 4,141 |
| Equity capital to assets | 15.5896% | 600 |
| Core capital (leverage) ratio | 16.9610% | 410 |
| Tier 1 risk-based capital ratio | 25.4255% | 716 |
| Total risk-based capital ratio | 26.6870% | 699 |
| Memoranda: | ||
| Average total assets | $81,423,600 | 4,410 |
| Average earning assets | $74,141,000 | 4,417 |
| Average equity | $12,777,000 | 3,918 |
| Average total loans | $54,838,000 | 4,212 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 1,014 |
| Cost of funding earning assets | 0.3273% | 4,328 |
| Net interest margin | 4.6346% | 549 |
| Noninterest income to average assets | 0.6486% | 2,080 |
| Noninterest expense to average assets | 2.8487% | 2,461 |
| Loan and lease loss provision to assets | 0.1330% | 1,515 |
| Net operating income to assets | 1.3744% | 1,579 |
| Return on assets (ROA) | 1.3770% | 1,571 |
| Pretax return on assets | 1.8859% | 841 |
| Return on Equity (ROE) | 8.7596% | 3,212 |
| Retained earnings to average equity (ytd only) | 8.7596% | 1,322 |
| Net charge-offs to loans | 0.0686% | 1,854 |
| Credit loss provision to net charge-offs | 285.7143% | 1,062 |
| Earnings coverage of net charge-offs (x) | 43.2885% | 1,288 |
| Efficiency ratio | 58.5641% | 4,029 |
| Assets per employee ($millions) | 3.9934% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2127% | 355 |
| Loan loss allowance to noncurrent loans | 161.8110% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 1,417 |
| Noncurrent loans to loans | 1.3674% | 1,220 |
| Net loans and leases to total assets | 68.2276% | 2,897 |
| Net loans and leases to deposits | 88.8389% | 2,046 |
| Net loans and leases to core deposits | 89.7593% | 2,684 |
| Total domestic deposits to total assets | 76.7992% | 4,675 |
| Equity capital to assets | 16.1567% | 512 |
| Core capital (leverage) ratio | 17.0366% | 415 |
| Tier 1 risk-based capital ratio | 25.6869% | 698 |
| Total risk-based capital ratio | 26.9503% | 683 |
| Memoranda: | ||
| Average total assets | $80,173,750 | 4,471 |
| Average earning assets | $72,927,500 | 4,484 |
| Average equity | $12,603,000 | 3,970 |
| Average total loans | $54,415,500 | 4,266 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 1,008 |
| Cost of funding earning assets | 0.3228% | 4,255 |
| Net interest margin | 4.5828% | 573 |
| Noninterest income to average assets | 0.6528% | 2,082 |
| Noninterest expense to average assets | 2.7954% | 2,670 |
| Loan and lease loss provision to assets | 0.1495% | 1,268 |
| Net operating income to assets | 1.3165% | 1,710 |
| Return on assets (ROA) | 1.3204% | 1,698 |
| Pretax return on assets | 1.8860% | 801 |
| Return on Equity (ROE) | 8.4782% | 3,275 |
| Retained earnings to average equity (ytd only) | 8.4782% | 1,418 |
| Net charge-offs to loans | 0.3520% | 449 |
| Credit loss provision to net charge-offs | 63.1579% | 2,407 |
| Earnings coverage of net charge-offs (x) | 8.5789% | 2,462 |
| Efficiency ratio | 57.9246% | 4,244 |
| Assets per employee ($millions) | 4.0004% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 432 |
| Loan loss allowance to noncurrent loans | 122.3052% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.2424% | 1,146 |
| Noncurrent loans to loans | 1.7302% | 918 |
| Net loans and leases to total assets | 66.2567% | 3,103 |
| Net loans and leases to deposits | 84.3396% | 2,498 |
| Net loans and leases to core deposits | 85.1895% | 2,996 |
| Total domestic deposits to total assets | 78.5594% | 4,502 |
| Equity capital to assets | 15.8849% | 518 |
| Core capital (leverage) ratio | 16.4744% | 448 |
| Tier 1 risk-based capital ratio | 25.5703% | 696 |
| Total risk-based capital ratio | 26.8311% | 678 |
| Memoranda: | ||
| Average total assets | $80,275,670 | 4,510 |
| Average earning assets | $73,099,670 | 4,525 |
| Average equity | $12,502,670 | 4,008 |
| Average total loans | $53,979,000 | 4,304 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 1,496 |
| Cost of funding earning assets | 0.3164% | 4,223 |
| Net interest margin | 4.3091% | 936 |
| Noninterest income to average assets | 0.6915% | 1,871 |
| Noninterest expense to average assets | 2.6912% | 3,068 |
| Loan and lease loss provision to assets | 0.1492% | 1,220 |
| Net operating income to assets | 1.2457% | 1,827 |
| Return on assets (ROA) | 1.2536% | 1,806 |
| Pretax return on assets | 1.7908% | 932 |
| Return on Equity (ROE) | 8.1294% | 3,325 |
| Retained earnings to average equity (ytd only) | 8.1294% | 1,791 |
| Net charge-offs to loans | 1.2841% | 111 |
| Credit loss provision to net charge-offs | 17.3410% | 2,140 |
| Earnings coverage of net charge-offs (x) | 2.2428% | 2,479 |
| Efficiency ratio | 58.2347% | 4,312 |
| Assets per employee ($millions) | 4.4753% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 598 |
| Loan loss allowance to noncurrent loans | 109.0336% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.2339% | 1,219 |
| Noncurrent loans to loans | 1.7920% | 936 |
| Net loans and leases to total assets | 64.6606% | 3,221 |
| Net loans and leases to deposits | 81.6951% | 2,623 |
| Net loans and leases to core deposits | 82.5065% | 3,104 |
| Total domestic deposits to total assets | 79.1487% | 4,557 |
| Equity capital to assets | 15.4216% | 583 |
| Core capital (leverage) ratio | 16.2590% | 456 |
| Tier 1 risk-based capital ratio | 25.1577% | 742 |
| Total risk-based capital ratio | 26.4172% | 727 |
| Memoranda: | ||
| Average total assets | $80,410,000 | 4,561 |
| Average earning assets | $73,332,500 | 4,563 |
| Average equity | $12,399,500 | 4,062 |
| Average total loans | $53,890,500 | 4,350 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9167% | 769 |
| Cost of funding earning assets | 0.3349% | 3,834 |
| Net interest margin | 4.5818% | 519 |
| Noninterest income to average assets | 0.5401% | 2,774 |
| Noninterest expense to average assets | 2.8709% | 2,548 |
| Loan and lease loss provision to assets | 0.1514% | 1,489 |
| Net operating income to assets | 1.1185% | 1,801 |
| Return on assets (ROA) | 1.1168% | 1,828 |
| Pretax return on assets | 1.6758% | 1,077 |
| Return on Equity (ROE) | 7.3355% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.3355% | 972 |
| Net charge-offs to loans | 0.1059% | 2,008 |
| Credit loss provision to net charge-offs | 210.5263% | 1,293 |
| Earnings coverage of net charge-offs (x) | 25.4386% | 1,714 |
| Efficiency ratio | 61.0738% | 4,104 |
| Assets per employee ($millions) | 4.4591% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1608% | 400 |
| Loan loss allowance to noncurrent loans | 97.9270% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 797 |
| Noncurrent loans to loans | 2.2066% | 655 |
| Net loans and leases to total assets | 66.6226% | 3,015 |
| Net loans and leases to deposits | 84.3319% | 2,454 |
| Net loans and leases to core deposits | 85.1714% | 2,972 |
| Total domestic deposits to total assets | 79.0005% | 4,546 |
| Equity capital to assets | 15.4191% | 598 |
| Core capital (leverage) ratio | 15.7696% | 504 |
| Tier 1 risk-based capital ratio | 24.3048% | 793 |
| Total risk-based capital ratio | 25.5674% | 771 |
| Memoranda: | ||
| Average total assets | $79,244,400 | 4,609 |
| Average earning assets | $71,958,200 | 4,624 |
| Average equity | $12,064,600 | 4,127 |
| Average total loans | $53,808,200 | 4,369 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 708 |
| Cost of funding earning assets | 0.3382% | 3,790 |
| Net interest margin | 4.5941% | 492 |
| Noninterest income to average assets | 0.5334% | 2,817 |
| Noninterest expense to average assets | 2.6585% | 3,212 |
| Loan and lease loss provision to assets | 0.1519% | 1,367 |
| Net operating income to assets | 1.4225% | 1,040 |
| Return on assets (ROA) | 1.4263% | 1,057 |
| Pretax return on assets | 1.9006% | 686 |
| Return on Equity (ROE) | 9.3990% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.3990% | 733 |
| Net charge-offs to loans | 0.1642% | 1,260 |
| Credit loss provision to net charge-offs | 136.3636% | 1,807 |
| Earnings coverage of net charge-offs (x) | 18.3783% | 2,052 |
| Efficiency ratio | 56.4921% | 4,680 |
| Assets per employee ($millions) | 4.4017% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1028% | 480 |
| Loan loss allowance to noncurrent loans | 101.9643% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.5613% | 957 |
| Noncurrent loans to loans | 2.0623% | 817 |
| Net loans and leases to total assets | 67.1038% | 2,969 |
| Net loans and leases to deposits | 87.9418% | 2,074 |
| Net loans and leases to core deposits | 88.8605% | 2,701 |
| Total domestic deposits to total assets | 76.3047% | 4,985 |
| Equity capital to assets | 15.7855% | 580 |
| Core capital (leverage) ratio | 15.7598% | 525 |
| Tier 1 risk-based capital ratio | 24.2099% | 828 |
| Total risk-based capital ratio | 25.4717% | 804 |
| Memoranda: | ||
| Average total assets | $78,989,500 | 4,656 |
| Average earning assets | $71,742,500 | 4,679 |
| Average equity | $11,986,750 | 4,182 |
| Average total loans | $53,596,500 | 4,414 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 872 |
| Cost of funding earning assets | 0.3211% | 3,869 |
| Net interest margin | 4.4704% | 606 |
| Noninterest income to average assets | 0.5247% | 2,864 |
| Noninterest expense to average assets | 2.6714% | 3,195 |
| Loan and lease loss provision to assets | 0.1521% | 1,321 |
| Net operating income to assets | 1.3199% | 1,252 |
| Return on assets (ROA) | 1.3256% | 1,259 |
| Pretax return on assets | 1.7666% | 911 |
| Return on Equity (ROE) | 8.8544% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.8544% | 883 |
| Net charge-offs to loans | 0.0975% | 1,648 |
| Credit loss provision to net charge-offs | 230.7692% | 1,137 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,485 |
| Efficiency ratio | 58.2965% | 4,556 |
| Assets per employee ($millions) | 4.1829% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1400% | 473 |
| Loan loss allowance to noncurrent loans | 83.2370% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 2.1919% | 542 |
| Noncurrent loans to loans | 2.5710% | 567 |
| Net loans and leases to total assets | 66.2829% | 3,062 |
| Net loans and leases to deposits | 84.9593% | 2,360 |
| Net loans and leases to core deposits | 85.8216% | 2,898 |
| Total domestic deposits to total assets | 78.0173% | 4,812 |
| Equity capital to assets | 15.3644% | 640 |
| Core capital (leverage) ratio | 15.5434% | 537 |
| Tier 1 risk-based capital ratio | 23.4964% | 899 |
| Total risk-based capital ratio | 24.7571% | 885 |
| Memoranda: | ||
| Average total assets | $78,909,000 | 4,687 |
| Average earning assets | $71,626,000 | 4,707 |
| Average equity | $11,813,330 | 4,218 |
| Average total loans | $53,359,000 | 4,439 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 747 |
| Cost of funding earning assets | 0.3139% | 3,911 |
| Net interest margin | 4.4845% | 538 |
| Noninterest income to average assets | 0.5800% | 2,510 |
| Noninterest expense to average assets | 2.6302% | 3,380 |
| Loan and lease loss provision to assets | 0.1526% | 1,212 |
| Net operating income to assets | 1.4382% | 916 |
| Return on assets (ROA) | 1.4499% | 920 |
| Pretax return on assets | 1.8823% | 668 |
| Return on Equity (ROE) | 9.8153% | 2,046 |
| Retained earnings to average equity (ytd only) | 9.8153% | 852 |
| Net charge-offs to loans | 0.1129% | 1,268 |
| Credit loss provision to net charge-offs | 200.0000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 26.4667% | 1,302 |
| Efficiency ratio | 56.5646% | 4,878 |
| Assets per employee ($millions) | 4.6017% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1335% | 520 |
| Loan loss allowance to noncurrent loans | 91.9643% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 2.0951% | 619 |
| Noncurrent loans to loans | 2.3199% | 702 |
| Net loans and leases to total assets | 66.4357% | 2,907 |
| Net loans and leases to deposits | 81.9373% | 2,518 |
| Net loans and leases to core deposits | 82.7501% | 3,016 |
| Total domestic deposits to total assets | 81.0812% | 4,399 |
| Equity capital to assets | 15.0993% | 634 |
| Core capital (leverage) ratio | 15.1959% | 569 |
| Tier 1 risk-based capital ratio | 23.5200% | 913 |
| Total risk-based capital ratio | 24.7815% | 900 |
| Memoranda: | ||
| Average total assets | $78,625,500 | 4,742 |
| Average earning assets | $71,357,000 | 4,758 |
| Average equity | $11,614,500 | 4,283 |
| Average total loans | $53,123,000 | 4,483 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9397% | 671 |
| Cost of funding earning assets | 0.3660% | 3,357 |
| Net interest margin | 4.5737% | 528 |
| Noninterest income to average assets | 0.4404% | 3,615 |
| Noninterest expense to average assets | 2.8726% | 2,776 |
| Loan and lease loss provision to assets | 0.1545% | 1,616 |
| Net operating income to assets | 1.1788% | 1,572 |
| Return on assets (ROA) | 1.0842% | 2,067 |
| Pretax return on assets | 1.4383% | 1,788 |
| Return on Equity (ROE) | 7.4198% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.4198% | 1,070 |
| Net charge-offs to loans | 0.8923% | 213 |
| Credit loss provision to net charge-offs | 25.8065% | 3,627 |
| Earnings coverage of net charge-offs (x) | 2.8710% | 3,756 |
| Efficiency ratio | 62.5631% | 4,168 |
| Assets per employee ($millions) | 4.6484% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1038% | 546 |
| Loan loss allowance to noncurrent loans | 79.2908% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 2.2994% | 544 |
| Noncurrent loans to loans | 2.6533% | 575 |
| Net loans and leases to total assets | 65.8336% | 3,098 |
| Net loans and leases to deposits | 81.9970% | 2,671 |
| Net loans and leases to core deposits | 82.8062% | 3,144 |
| Total domestic deposits to total assets | 80.2878% | 4,510 |
| Equity capital to assets | 14.4479% | 749 |
| Core capital (leverage) ratio | 14.7185% | 649 |
| Tier 1 risk-based capital ratio | 22.8727% | 975 |
| Total risk-based capital ratio | 24.1334% | 963 |
| Memoranda: | ||
| Average total assets | $77,663,600 | 4,774 |
| Average earning assets | $70,490,200 | 4,793 |
| Average equity | $11,348,000 | 4,368 |
| Average total loans | $52,112,000 | 4,516 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 727 |
| Cost of funding earning assets | 0.3779% | 3,247 |
| Net interest margin | 4.5199% | 597 |
| Noninterest income to average assets | 0.4121% | 3,830 |
| Noninterest expense to average assets | 2.7434% | 3,198 |
| Loan and lease loss provision to assets | 0.1552% | 1,501 |
| Net operating income to assets | 1.2126% | 1,597 |
| Return on assets (ROA) | 1.2139% | 1,692 |
| Pretax return on assets | 1.6191% | 1,336 |
| Return on Equity (ROE) | 8.2840% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.2840% | 1,053 |
| Net charge-offs to loans | 0.8974% | 200 |
| Credit loss provision to net charge-offs | 25.7880% | 3,256 |
| Earnings coverage of net charge-offs (x) | 2.9456% | 3,493 |
| Efficiency ratio | 60.7484% | 4,434 |
| Assets per employee ($millions) | 4.6668% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2601% | 464 |
| Loan loss allowance to noncurrent loans | 80.1598% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 584 |
| Noncurrent loans to loans | 2.8195% | 568 |
| Net loans and leases to total assets | 65.6297% | 3,181 |
| Net loans and leases to deposits | 83.7914% | 2,508 |
| Net loans and leases to core deposits | 85.1912% | 3,019 |
| Total domestic deposits to total assets | 78.3251% | 4,847 |
| Equity capital to assets | 14.6277% | 831 |
| Core capital (leverage) ratio | 15.0349% | 624 |
| Tier 1 risk-based capital ratio | 22.9889% | 1,003 |
| Total risk-based capital ratio | 24.2512% | 988 |
| Memoranda: | ||
| Average total assets | $77,324,000 | 4,827 |
| Average earning assets | $70,205,750 | 4,843 |
| Average equity | $11,330,750 | 4,407 |
| Average total loans | $51,854,750 | 4,557 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9867% | 609 |
| Cost of funding earning assets | 0.3880% | 3,173 |
| Net interest margin | 4.5987% | 510 |
| Noninterest income to average assets | 0.4514% | 3,513 |
| Noninterest expense to average assets | 2.7761% | 3,106 |
| Loan and lease loss provision to assets | 0.1565% | 1,453 |
| Net operating income to assets | 1.3338% | 1,200 |
| Return on assets (ROA) | 1.3359% | 1,272 |
| Pretax return on assets | 1.6959% | 1,102 |
| Return on Equity (ROE) | 9.1109% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.1109% | 818 |
| Net charge-offs to loans | 0.3698% | 623 |
| Credit loss provision to net charge-offs | 63.1579% | 2,542 |
| Earnings coverage of net charge-offs (x) | 7.4632% | 2,624 |
| Efficiency ratio | 60.0113% | 4,640 |
| Assets per employee ($millions) | 4.4252% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7603% | 261 |
| Loan loss allowance to noncurrent loans | 80.3150% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.8819% | 433 |
| Noncurrent loans to loans | 3.4369% | 387 |
| Net loans and leases to total assets | 66.8692% | 2,958 |
| Net loans and leases to deposits | 86.8121% | 2,155 |
| Net loans and leases to core deposits | 88.3645% | 2,695 |
| Total domestic deposits to total assets | 77.0275% | 5,157 |
| Equity capital to assets | 15.3372% | 659 |
| Core capital (leverage) ratio | 14.8772% | 631 |
| Tier 1 risk-based capital ratio | 23.5872% | 950 |
| Total risk-based capital ratio | 24.8564% | 924 |
| Memoranda: | ||
| Average total assets | $76,653,330 | 4,882 |
| Average earning assets | $69,585,000 | 4,896 |
| Average equity | $11,239,330 | 4,443 |
| Average total loans | $51,382,330 | 4,605 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9588% | 627 |
| Cost of funding earning assets | 0.3814% | 3,279 |
| Net interest margin | 4.5773% | 523 |
| Noninterest income to average assets | 0.3412% | 4,287 |
| Noninterest expense to average assets | 2.7040% | 3,399 |
| Loan and lease loss provision to assets | 0.1551% | 1,355 |
| Net operating income to assets | 1.2679% | 1,347 |
| Return on assets (ROA) | 1.2719% | 1,428 |
| Pretax return on assets | 1.6441% | 1,197 |
| Return on Equity (ROE) | 8.8729% | 2,487 |
| Retained earnings to average equity (ytd only) | 8.8729% | 1,156 |
| Net charge-offs to loans | 0.1640% | 1,149 |
| Credit loss provision to net charge-offs | 142.8571% | 1,304 |
| Earnings coverage of net charge-offs (x) | 16.5238% | 1,615 |
| Efficiency ratio | 60.1149% | 4,728 |
| Assets per employee ($millions) | 4.7237% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8556% | 254 |
| Loan loss allowance to noncurrent loans | 101.0295% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 2.5047% | 591 |
| Noncurrent loans to loans | 2.8265% | 607 |
| Net loans and leases to total assets | 66.2552% | 2,908 |
| Net loans and leases to deposits | 82.7016% | 2,467 |
| Net loans and leases to core deposits | 84.1144% | 2,930 |
| Total domestic deposits to total assets | 80.1135% | 4,726 |
| Equity capital to assets | 14.8719% | 722 |
| Core capital (leverage) ratio | 14.3474% | 727 |
| Tier 1 risk-based capital ratio | 23.2275% | 992 |
| Total risk-based capital ratio | 24.4990% | 979 |
| Memoranda: | ||
| Average total assets | $77,365,500 | 4,909 |
| Average earning assets | $70,259,500 | 4,920 |
| Average equity | $11,090,000 | 4,485 |
| Average total loans | $51,207,000 | 4,639 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 535 |
| Cost of funding earning assets | 0.4536% | 2,597 |
| Net interest margin | 4.6254% | 517 |
| Noninterest income to average assets | 0.5816% | 2,824 |
| Noninterest expense to average assets | 2.8663% | 2,977 |
| Loan and lease loss provision to assets | 0.2472% | 775 |
| Net operating income to assets | 1.2458% | 1,396 |
| Return on assets (ROA) | 1.2478% | 1,448 |
| Pretax return on assets | 1.6901% | 1,024 |
| Return on Equity (ROE) | 9.1399% | 2,394 |
| Retained earnings to average equity (ytd only) | 8.9875% | 653 |
| Net charge-offs to loans | -0.0606% | 5,617 |
| Credit loss provision to net charge-offs | -612.9032% | 5,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7019% | 4,947 |
| Assets per employee ($millions) | 4.6560% | 2,801 |
| Cash dividends to net income (ytd only)* | 1.6684% | 4,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8761% | 260 |
| Loan loss allowance to noncurrent loans | 81.8233% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 2.9248% | 458 |
| Noncurrent loans to loans | 3.5150% | 396 |
| Net loans and leases to total assets | 62.4166% | 3,501 |
| Net loans and leases to deposits | 77.1829% | 3,142 |
| Net loans and leases to core deposits | 78.4265% | 3,499 |
| Total domestic deposits to total assets | 80.8685% | 4,520 |
| Equity capital to assets | 13.8215% | 996 |
| Core capital (leverage) ratio | 13.7884% | 880 |
| Tier 1 risk-based capital ratio | 22.5909% | 1,072 |
| Total risk-based capital ratio | 23.8620% | 1,049 |
| Memoranda: | ||
| Average total assets | $76,857,600 | 4,931 |
| Average earning assets | $70,113,400 | 4,937 |
| Average equity | $10,492,400 | 4,567 |
| Average total loans | $51,146,000 | 4,634 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0672% | 546 |
| Cost of funding earning assets | 0.4728% | 2,471 |
| Net interest margin | 4.5943% | 552 |
| Noninterest income to average assets | 0.4807% | 3,498 |
| Noninterest expense to average assets | 2.5640% | 4,004 |
| Loan and lease loss provision to assets | 0.2797% | 558 |
| Net operating income to assets | 1.4828% | 946 |
| Return on assets (ROA) | 1.4856% | 973 |
| Pretax return on assets | 1.8352% | 831 |
| Return on Equity (ROE) | 10.9177% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.7121% | 518 |
| Net charge-offs to loans | -0.0286% | 5,344 |
| Credit loss provision to net charge-offs | -1,454.5455% | 5,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8411% | 5,455 |
| Assets per employee ($millions) | 4.7218% | 2,666 |
| Cash dividends to net income (ytd only)* | 1.8821% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8412% | 287 |
| Loan loss allowance to noncurrent loans | 93.4023% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 2.6896% | 609 |
| Noncurrent loans to loans | 3.0419% | 570 |
| Net loans and leases to total assets | 65.3616% | 3,097 |
| Net loans and leases to deposits | 83.3235% | 2,482 |
| Net loans and leases to core deposits | 84.3684% | 3,003 |
| Total domestic deposits to total assets | 78.4431% | 5,102 |
| Equity capital to assets | 14.3642% | 895 |
| Core capital (leverage) ratio | 14.2652% | 796 |
| Tier 1 risk-based capital ratio | 22.8463% | 1,074 |
| Total risk-based capital ratio | 24.1172% | 1,052 |
| Memoranda: | ||
| Average total assets | $76,284,000 | 4,998 |
| Average earning assets | $69,649,250 | 5,003 |
| Average equity | $10,380,500 | 4,639 |
| Average total loans | $51,215,750 | 4,675 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 804 |
| Cost of funding earning assets | 0.4792% | 2,438 |
| Net interest margin | 4.3726% | 800 |
| Noninterest income to average assets | 0.4913% | 3,440 |
| Noninterest expense to average assets | 2.5507% | 4,067 |
| Loan and lease loss provision to assets | 0.3136% | 461 |
| Net operating income to assets | 1.3208% | 1,260 |
| Return on assets (ROA) | 1.3250% | 1,302 |
| Pretax return on assets | 1.6386% | 1,224 |
| Return on Equity (ROE) | 9.9185% | 2,110 |
| Retained earnings to average equity (ytd only) | 9.6055% | 751 |
| Net charge-offs to loans | 0.0234% | 3,201 |
| Credit loss provision to net charge-offs | 2,000.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 124.1667% | 507 |
| Efficiency ratio | 56.7112% | 5,362 |
| Assets per employee ($millions) | 4.7468% | 2,609 |
| Cash dividends to net income (ytd only)* | 3.1558% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6979% | 378 |
| Loan loss allowance to noncurrent loans | 91.9152% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.1659% | 981 |
| Noncurrent loans to loans | 2.9352% | 688 |
| Net loans and leases to total assets | 65.8653% | 2,977 |
| Net loans and leases to deposits | 82.8267% | 2,458 |
| Net loans and leases to core deposits | 83.8429% | 2,995 |
| Total domestic deposits to total assets | 79.5218% | 4,973 |
| Equity capital to assets | 13.6710% | 1,101 |
| Core capital (leverage) ratio | 13.6977% | 931 |
| Tier 1 risk-based capital ratio | 22.1856% | 1,178 |
| Total risk-based capital ratio | 23.4562% | 1,160 |
| Memoranda: | ||
| Average total assets | $76,529,000 | 5,045 |
| Average earning assets | $70,119,000 | 5,039 |
| Average equity | $10,223,330 | 4,694 |
| Average total loans | $51,346,330 | 4,712 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 769 |
| Cost of funding earning assets | 0.4929% | 2,352 |
| Net interest margin | 4.3628% | 787 |
| Noninterest income to average assets | 0.5415% | 3,013 |
| Noninterest expense to average assets | 2.5827% | 3,994 |
| Loan and lease loss provision to assets | 0.3124% | 446 |
| Net operating income to assets | 1.3247% | 1,197 |
| Return on assets (ROA) | 1.3330% | 1,251 |
| Pretax return on assets | 1.6663% | 1,127 |
| Return on Equity (ROE) | 10.0951% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.0951% | 901 |
| Net charge-offs to loans | 0.1871% | 1,177 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,606 |
| Efficiency ratio | 56.7506% | 5,462 |
| Assets per employee ($millions) | 4.4685% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5699% | 481 |
| Loan loss allowance to noncurrent loans | 93.4333% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 2.0641% | 1,133 |
| Noncurrent loans to loans | 2.7505% | 849 |
| Net loans and leases to total assets | 65.3296% | 2,874 |
| Net loans and leases to deposits | 81.5375% | 2,387 |
| Net loans and leases to core deposits | 83.2207% | 2,845 |
| Total domestic deposits to total assets | 80.1222% | 5,024 |
| Equity capital to assets | 13.6209% | 1,118 |
| Core capital (leverage) ratio | 13.0780% | 1,128 |
| Tier 1 risk-based capital ratio | 21.9036% | 1,259 |
| Total risk-based capital ratio | 23.1720% | 1,234 |
| Memoranda: | ||
| Average total assets | $76,819,000 | 5,093 |
| Average earning assets | $70,597,000 | 5,075 |
| Average equity | $10,143,500 | 4,752 |
| Average total loans | $51,314,000 | 4,755 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8433% | 1,021 |
| Cost of funding earning assets | 0.5535% | 2,179 |
| Net interest margin | 4.2897% | 1,077 |
| Noninterest income to average assets | 0.5403% | 3,232 |
| Noninterest expense to average assets | 2.8512% | 3,298 |
| Loan and lease loss provision to assets | 0.3812% | 483 |
| Net operating income to assets | 0.9386% | 2,684 |
| Return on assets (ROA) | 0.9741% | 2,586 |
| Pretax return on assets | 1.2659% | 2,366 |
| Return on Equity (ROE) | 7.7241% | 3,260 |
| Retained earnings to average equity (ytd only) | 4.7845% | 2,773 |
| Net charge-offs to loans | 0.3642% | 1,196 |
| Credit loss provision to net charge-offs | 155.9140% | 1,556 |
| Earnings coverage of net charge-offs (x) | 6.5484% | 3,177 |
| Efficiency ratio | 64.0390% | 4,578 |
| Assets per employee ($millions) | 4.5691% | 2,924 |
| Cash dividends to net income (ytd only)* | 38.0567% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4627% | 581 |
| Loan loss allowance to noncurrent loans | 82.2351% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.1461% | 1,143 |
| Noncurrent loans to loans | 2.9947% | 749 |
| Net loans and leases to total assets | 64.9110% | 3,067 |
| Net loans and leases to deposits | 83.0790% | 2,327 |
| Net loans and leases to core deposits | 84.7948% | 2,805 |
| Total domestic deposits to total assets | 78.1317% | 5,415 |
| Equity capital to assets | 12.7971% | 1,469 |
| Core capital (leverage) ratio | 13.0299% | 1,125 |
| Tier 1 risk-based capital ratio | 21.5366% | 1,303 |
| Total risk-based capital ratio | 22.8051% | 1,275 |
| Memoranda: | ||
| Average total assets | $76,072,200 | 5,153 |
| Average earning assets | $69,374,800 | 5,137 |
| Average equity | $9,593,400 | 4,842 |
| Average total loans | $51,076,400 | 4,781 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 859 |
| Cost of funding earning assets | 0.5715% | 2,091 |
| Net interest margin | 4.3667% | 929 |
| Noninterest income to average assets | 0.5462% | 3,222 |
| Noninterest expense to average assets | 2.5725% | 4,283 |
| Loan and lease loss provision to assets | 0.3171% | 592 |
| Net operating income to assets | 1.3056% | 1,354 |
| Return on assets (ROA) | 1.3549% | 1,292 |
| Pretax return on assets | 1.6897% | 1,087 |
| Return on Equity (ROE) | 10.7851% | 1,879 |
| Retained earnings to average equity (ytd only) | 7.9520% | 1,387 |
| Net charge-offs to loans | 0.4922% | 792 |
| Credit loss provision to net charge-offs | 95.7447% | 2,328 |
| Earnings coverage of net charge-offs (x) | 5.8723% | 3,182 |
| Efficiency ratio | 56.9423% | 5,566 |
| Assets per employee ($millions) | 4.1688% | 3,534 |
| Cash dividends to net income (ytd only)* | 26.2682% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2683% | 861 |
| Loan loss allowance to noncurrent loans | 79.9587% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 2.1309% | 1,312 |
| Noncurrent loans to loans | 2.8369% | 970 |
| Net loans and leases to total assets | 66.6622% | 2,746 |
| Net loans and leases to deposits | 86.8377% | 1,812 |
| Net loans and leases to core deposits | 88.7592% | 2,344 |
| Total domestic deposits to total assets | 76.7664% | 5,711 |
| Equity capital to assets | 13.2986% | 1,279 |
| Core capital (leverage) ratio | 13.4643% | 1,011 |
| Tier 1 risk-based capital ratio | 21.9216% | 1,271 |
| Total risk-based capital ratio | 23.1878% | 1,251 |
| Memoranda: | ||
| Average total assets | $75,671,750 | 5,215 |
| Average earning assets | $68,821,500 | 5,210 |
| Average equity | $9,506,750 | 4,901 |
| Average total loans | $50,922,500 | 4,835 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 809 |
| Cost of funding earning assets | 0.5774% | 2,097 |
| Net interest margin | 4.3781% | 884 |
| Noninterest income to average assets | 0.5060% | 3,438 |
| Noninterest expense to average assets | 2.5513% | 4,412 |
| Loan and lease loss provision to assets | 0.3163% | 607 |
| Net operating income to assets | 1.2941% | 1,331 |
| Return on assets (ROA) | 1.3152% | 1,315 |
| Pretax return on assets | 1.6420% | 1,157 |
| Return on Equity (ROE) | 10.6746% | 1,854 |
| Retained earnings to average equity (ytd only) | 6.3534% | 2,116 |
| Net charge-offs to loans | 0.5429% | 752 |
| Credit loss provision to net charge-offs | 86.9565% | 2,231 |
| Earnings coverage of net charge-offs (x) | 5.3116% | 2,949 |
| Efficiency ratio | 56.9077% | 5,664 |
| Assets per employee ($millions) | 4.3631% | 3,153 |
| Cash dividends to net income (ytd only)* | 40.4810% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2547% | 947 |
| Loan loss allowance to noncurrent loans | 82.0970% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 2.0520% | 1,545 |
| Noncurrent loans to loans | 2.7463% | 1,094 |
| Net loans and leases to total assets | 67.2747% | 2,536 |
| Net loans and leases to deposits | 89.3319% | 1,435 |
| Net loans and leases to core deposits | 91.3684% | 1,991 |
| Total domestic deposits to total assets | 75.3087% | 5,994 |
| Equity capital to assets | 13.0898% | 1,325 |
| Core capital (leverage) ratio | 13.0408% | 1,142 |
| Tier 1 risk-based capital ratio | 21.7206% | 1,305 |
| Total risk-based capital ratio | 22.9879% | 1,280 |
| Memoranda: | ||
| Average total assets | $75,883,000 | 5,255 |
| Average earning assets | $68,934,330 | 5,247 |
| Average equity | $9,349,330 | 4,951 |
| Average total loans | $50,835,670 | 4,865 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 1,132 |
| Cost of funding earning assets | 0.5745% | 2,207 |
| Net interest margin | 4.1826% | 1,261 |
| Noninterest income to average assets | 0.5525% | 3,032 |
| Noninterest expense to average assets | 2.6063% | 4,249 |
| Loan and lease loss provision to assets | 0.3128% | 599 |
| Net operating income to assets | 1.0842% | 1,880 |
| Return on assets (ROA) | 1.0842% | 1,943 |
| Pretax return on assets | 1.4282% | 1,647 |
| Return on Equity (ROE) | 9.0736% | 2,426 |
| Retained earnings to average equity (ytd only) | 0.2617% | 5,470 |
| Net charge-offs to loans | 0.3864% | 945 |
| Credit loss provision to net charge-offs | 122.4490% | 1,440 |
| Earnings coverage of net charge-offs (x) | 6.8163% | 2,190 |
| Efficiency ratio | 59.9520% | 5,415 |
| Assets per employee ($millions) | 4.5195% | 2,941 |
| Cash dividends to net income (ytd only)* | 97.1154% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3408% | 978 |
| Loan loss allowance to noncurrent loans | 97.1193% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 2,112 |
| Noncurrent loans to loans | 2.4102% | 1,455 |
| Net loans and leases to total assets | 64.0770% | 2,875 |
| Net loans and leases to deposits | 79.8116% | 2,316 |
| Net loans and leases to core deposits | 81.4543% | 2,798 |
| Total domestic deposits to total assets | 80.2853% | 5,430 |
| Equity capital to assets | 12.0329% | 1,845 |
| Core capital (leverage) ratio | 12.6227% | 1,328 |
| Tier 1 risk-based capital ratio | 20.9913% | 1,475 |
| Total risk-based capital ratio | 22.2583% | 1,451 |
| Memoranda: | ||
| Average total assets | $76,738,500 | 5,284 |
| Average earning assets | $69,621,000 | 5,281 |
| Average equity | $9,169,500 | 5,007 |
| Average total loans | $50,728,500 | 4,903 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1521% | 707 |
| Cost of funding earning assets | 0.6751% | 1,999 |
| Net interest margin | 4.4770% | 773 |
| Noninterest income to average assets | 0.5505% | 3,402 |
| Noninterest expense to average assets | 2.8533% | 3,518 |
| Loan and lease loss provision to assets | 0.3262% | 999 |
| Net operating income to assets | 1.0851% | 1,981 |
| Return on assets (ROA) | 1.1120% | 1,960 |
| Pretax return on assets | 1.4627% | 1,573 |
| Return on Equity (ROE) | 8.9148% | 2,587 |
| Retained earnings to average equity (ytd only) | 4.8061% | 2,729 |
| Net charge-offs to loans | 0.2305% | 2,613 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 2,321 |
| Efficiency ratio | 61.9357% | 5,227 |
| Assets per employee ($millions) | 4.0340% | 3,793 |
| Cash dividends to net income (ytd only)* | 46.0880% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 1,047 |
| Loan loss allowance to noncurrent loans | 79.5238% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.9636% | 1,832 |
| Noncurrent loans to loans | 2.8798% | 1,219 |
| Net loans and leases to total assets | 65.0745% | 2,850 |
| Net loans and leases to deposits | 82.1048% | 2,168 |
| Net loans and leases to core deposits | 83.8184% | 2,696 |
| Total domestic deposits to total assets | 79.2579% | 5,612 |
| Equity capital to assets | 11.8649% | 1,896 |
| Core capital (leverage) ratio | 12.5063% | 1,355 |
| Tier 1 risk-based capital ratio | 20.8886% | 1,444 |
| Total risk-based capital ratio | 22.1545% | 1,426 |
| Memoranda: | ||
| Average total assets | $73,563,800 | 5,386 |
| Average earning assets | $66,652,000 | 5,386 |
| Average equity | $9,175,800 | 5,046 |
| Average total loans | $52,058,400 | 4,888 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1847% | 674 |
| Cost of funding earning assets | 0.6968% | 1,977 |
| Net interest margin | 4.4879% | 754 |
| Noninterest income to average assets | 0.5220% | 3,657 |
| Noninterest expense to average assets | 2.5276% | 4,631 |
| Loan and lease loss provision to assets | 0.3297% | 1,003 |
| Net operating income to assets | 1.4688% | 951 |
| Return on assets (ROA) | 1.5093% | 925 |
| Pretax return on assets | 1.7822% | 939 |
| Return on Equity (ROE) | 11.9466% | 1,485 |
| Retained earnings to average equity (ytd only) | 7.6116% | 1,583 |
| Net charge-offs to loans | 0.2931% | 2,073 |
| Credit loss provision to net charge-offs | 156.5217% | 1,510 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,435 |
| Efficiency ratio | 55.0459% | 6,015 |
| Assets per employee ($millions) | 4.0486% | 3,737 |
| Cash dividends to net income (ytd only)* | 36.2867% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1074% | 1,487 |
| Loan loss allowance to noncurrent loans | 62.3043% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 2.5482% | 1,496 |
| Noncurrent loans to loans | 3.3824% | 1,147 |
| Net loans and leases to total assets | 71.0102% | 1,778 |
| Net loans and leases to deposits | 91.7518% | 998 |
| Net loans and leases to core deposits | 93.8501% | 1,588 |
| Total domestic deposits to total assets | 77.3939% | 5,989 |
| Equity capital to assets | 12.8002% | 1,420 |
| Core capital (leverage) ratio | 13.0774% | 1,174 |
| Tier 1 risk-based capital ratio | 20.8909% | 1,513 |
| Total risk-based capital ratio | 22.1557% | 1,485 |
| Memoranda: | ||
| Average total assets | $72,793,250 | 5,450 |
| Average earning assets | $66,013,000 | 5,456 |
| Average equity | $9,196,250 | 5,089 |
| Average total loans | $52,311,500 | 4,912 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 650 |
| Cost of funding earning assets | 0.7106% | 1,998 |
| Net interest margin | 4.4761% | 741 |
| Noninterest income to average assets | 0.5167% | 3,725 |
| Noninterest expense to average assets | 2.4792% | 4,809 |
| Loan and lease loss provision to assets | 0.3298% | 1,047 |
| Net operating income to assets | 1.4606% | 961 |
| Return on assets (ROA) | 1.5199% | 936 |
| Pretax return on assets | 1.8305% | 866 |
| Return on Equity (ROE) | 12.0844% | 1,464 |
| Retained earnings to average equity (ytd only) | 5.5505% | 2,704 |
| Net charge-offs to loans | 0.0077% | 4,737 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 380.0000% | 131 |
| Efficiency ratio | 54.2720% | 6,123 |
| Assets per employee ($millions) | 4.2205% | 3,314 |
| Cash dividends to net income (ytd only)* | 54.0687% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2271% | 1,368 |
| Loan loss allowance to noncurrent loans | 74.2366% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 2.2871% | 1,894 |
| Noncurrent loans to loans | 2.9999% | 1,483 |
| Net loans and leases to total assets | 71.4073% | 1,661 |
| Net loans and leases to deposits | 94.9446% | 741 |
| Net loans and leases to core deposits | 97.2108% | 1,269 |
| Total domestic deposits to total assets | 75.2094% | 6,340 |
| Equity capital to assets | 12.5437% | 1,550 |
| Core capital (leverage) ratio | 12.8554% | 1,223 |
| Tier 1 risk-based capital ratio | 20.5781% | 1,595 |
| Total risk-based capital ratio | 21.8327% | 1,563 |
| Memoranda: | ||
| Average total assets | $72,766,330 | 5,492 |
| Average earning assets | $65,860,330 | 5,501 |
| Average equity | $9,152,330 | 5,139 |
| Average total loans | $52,128,000 | 4,949 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1615% | 663 |
| Cost of funding earning assets | 0.7132% | 2,108 |
| Net interest margin | 4.4483% | 736 |
| Noninterest income to average assets | 0.5350% | 3,531 |
| Noninterest expense to average assets | 2.4183% | 5,069 |
| Loan and lease loss provision to assets | 0.3275% | 1,028 |
| Net operating income to assets | 1.4848% | 887 |
| Return on assets (ROA) | 1.4848% | 967 |
| Pretax return on assets | 1.8069% | 868 |
| Return on Equity (ROE) | 11.7896% | 1,477 |
| Retained earnings to average equity (ytd only) | -0.5201% | 5,886 |
| Net charge-offs to loans | 0.0769% | 3,071 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 39.1000% | 804 |
| Efficiency ratio | 53.1175% | 6,293 |
| Assets per employee ($millions) | 4.0002% | 3,942 |
| Cash dividends to net income (ytd only)* | 104.4118% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1345% | 1,720 |
| Loan loss allowance to noncurrent loans | 70.7207% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.2707% | 2,057 |
| Noncurrent loans to loans | 3.0182% | 1,664 |
| Net loans and leases to total assets | 69.9804% | 1,660 |
| Net loans and leases to deposits | 92.0480% | 797 |
| Net loans and leases to core deposits | 93.4201% | 1,381 |
| Total domestic deposits to total assets | 76.0260% | 6,362 |
| Equity capital to assets | 12.7925% | 1,538 |
| Core capital (leverage) ratio | 12.4034% | 1,380 |
| Tier 1 risk-based capital ratio | 20.3171% | 1,697 |
| Total risk-based capital ratio | 21.5834% | 1,665 |
| Memoranda: | ||
| Average total assets | $73,275,000 | 5,529 |
| Average earning assets | $66,182,000 | 5,539 |
| Average equity | $9,228,500 | 5,177 |
| Average total loans | $51,991,500 | 4,985 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3763% | 796 |
| Cost of funding earning assets | 0.8770% | 2,085 |
| Net interest margin | 4.4993% | 952 |
| Noninterest income to average assets | 0.5252% | 3,742 |
| Noninterest expense to average assets | 2.9064% | 3,606 |
| Loan and lease loss provision to assets | 0.4008% | 1,620 |
| Net operating income to assets | 1.0372% | 2,178 |
| Return on assets (ROA) | 1.0462% | 2,336 |
| Pretax return on assets | 1.2991% | 2,399 |
| Return on Equity (ROE) | 8.3980% | 2,917 |
| Retained earnings to average equity (ytd only) | 5.2141% | 2,562 |
| Net charge-offs to loans | 0.4527% | 2,422 |
| Credit loss provision to net charge-offs | 128.3186% | 2,193 |
| Earnings coverage of net charge-offs (x) | 5.4071% | 3,048 |
| Efficiency ratio | 63.2481% | 5,029 |
| Assets per employee ($millions) | 4.3851% | 3,181 |
| Cash dividends to net income (ytd only)* | 37.9128% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 2,020 |
| Loan loss allowance to noncurrent loans | 65.6857% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 2.2509% | 2,182 |
| Noncurrent loans to loans | 3.0421% | 1,712 |
| Net loans and leases to total assets | 69.0128% | 2,032 |
| Net loans and leases to deposits | 90.4356% | 1,038 |
| Net loans and leases to core deposits | 91.7271% | 1,653 |
| Total domestic deposits to total assets | 76.3116% | 6,318 |
| Equity capital to assets | 12.4029% | 1,784 |
| Core capital (leverage) ratio | 12.3579% | 1,377 |
| Tier 1 risk-based capital ratio | 19.6771% | 1,762 |
| Total risk-based capital ratio | 20.9281% | 1,732 |
| Memoranda: | ||
| Average total assets | $72,357,000 | 5,570 |
| Average earning assets | $65,454,000 | 5,571 |
| Average equity | $9,014,000 | 5,222 |
| Average total loans | $49,924,600 | 5,108 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 899 |
| Cost of funding earning assets | 0.9044% | 2,143 |
| Net interest margin | 4.4588% | 1,077 |
| Noninterest income to average assets | 0.5403% | 3,670 |
| Noninterest expense to average assets | 2.6087% | 4,712 |
| Loan and lease loss provision to assets | 0.3342% | 1,958 |
| Net operating income to assets | 1.3647% | 1,298 |
| Return on assets (ROA) | 1.3647% | 1,432 |
| Pretax return on assets | 1.6432% | 1,438 |
| Return on Equity (ROE) | 10.9422% | 1,981 |
| Retained earnings to average equity (ytd only) | 7.8158% | 1,698 |
| Net charge-offs to loans | 0.2083% | 3,481 |
| Credit loss provision to net charge-offs | 233.7662% | 1,185 |
| Earnings coverage of net charge-offs (x) | 13.8317% | 1,882 |
| Efficiency ratio | 56.8826% | 5,935 |
| Assets per employee ($millions) | 3.7349% | 4,464 |
| Cash dividends to net income (ytd only)* | 28.5710% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1638% | 1,778 |
| Loan loss allowance to noncurrent loans | 60.2103% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.7197% | 1,943 |
| Noncurrent loans to loans | 3.5937% | 1,506 |
| Net loans and leases to total assets | 69.3239% | 2,050 |
| Net loans and leases to deposits | 97.7682% | 558 |
| Net loans and leases to core deposits | 99.3497% | 1,169 |
| Total domestic deposits to total assets | 70.9064% | 6,803 |
| Equity capital to assets | 13.1433% | 1,520 |
| Core capital (leverage) ratio | 12.7904% | 1,280 |
| Tier 1 risk-based capital ratio | 20.4097% | 1,652 |
| Total risk-based capital ratio | 21.6678% | 1,618 |
| Memoranda: | ||
| Average total assets | $71,809,500 | 5,639 |
| Average earning assets | $65,158,500 | 5,636 |
| Average equity | $8,956,000 | 5,280 |
| Average total loans | $49,281,750 | 5,194 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 1,047 |
| Cost of funding earning assets | 0.9365% | 2,141 |
| Net interest margin | 4.3675% | 1,288 |
| Noninterest income to average assets | 0.5465% | 3,602 |
| Noninterest expense to average assets | 2.5662% | 4,897 |
| Loan and lease loss provision to assets | 0.3329% | 1,974 |
| Net operating income to assets | 1.3316% | 1,356 |
| Return on assets (ROA) | 1.3316% | 1,510 |
| Pretax return on assets | 1.6063% | 1,533 |
| Return on Equity (ROE) | 10.8692% | 2,037 |
| Retained earnings to average equity (ytd only) | 6.3403% | 2,477 |
| Net charge-offs to loans | 0.0940% | 4,216 |
| Credit loss provision to net charge-offs | 521.7391% | 576 |
| Earnings coverage of net charge-offs (x) | 30.3913% | 1,057 |
| Efficiency ratio | 56.9581% | 6,008 |
| Assets per employee ($millions) | 3.9047% | 4,062 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2052% | 1,753 |
| Loan loss allowance to noncurrent loans | 57.2790% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.9025% | 1,907 |
| Noncurrent loans to loans | 3.8500% | 1,450 |
| Net loans and leases to total assets | 68.2702% | 2,244 |
| Net loans and leases to deposits | 92.0767% | 943 |
| Net loans and leases to core deposits | 93.5122% | 1,652 |
| Total domestic deposits to total assets | 74.1449% | 6,668 |
| Equity capital to assets | 12.8962% | 1,567 |
| Core capital (leverage) ratio | 12.4451% | 1,378 |
| Tier 1 risk-based capital ratio | 20.5330% | 1,564 |
| Total risk-based capital ratio | 21.7989% | 1,545 |
| Memoranda: | ||
| Average total assets | $72,091,330 | 5,666 |
| Average earning assets | $65,346,670 | 5,665 |
| Average equity | $8,832,330 | 5,307 |
| Average total loans | $48,948,000 | 5,239 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 1,304 |
| Cost of funding earning assets | 0.9615% | 2,226 |
| Net interest margin | 4.2449% | 1,624 |
| Noninterest income to average assets | 0.5809% | 3,345 |
| Noninterest expense to average assets | 2.5426% | 5,012 |
| Loan and lease loss provision to assets | 0.3288% | 1,906 |
| Net operating income to assets | 1.2823% | 1,497 |
| Return on assets (ROA) | 1.2823% | 1,675 |
| Pretax return on assets | 1.5563% | 1,720 |
| Return on Equity (ROE) | 10.7383% | 2,128 |
| Retained earnings to average equity (ytd only) | 1.5603% | 5,457 |
| Net charge-offs to loans | 0.0655% | 3,837 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 701 |
| Efficiency ratio | 57.4257% | 5,984 |
| Assets per employee ($millions) | 4.2342% | 3,513 |
| Cash dividends to net income (ytd only)* | 85.4701% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1500% | 1,991 |
| Loan loss allowance to noncurrent loans | 58.4225% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.8674% | 2,036 |
| Noncurrent loans to loans | 3.6801% | 1,682 |
| Net loans and leases to total assets | 65.5659% | 2,551 |
| Net loans and leases to deposits | 86.7412% | 1,321 |
| Net loans and leases to core deposits | 88.0356% | 2,049 |
| Total domestic deposits to total assets | 75.5880% | 6,584 |
| Equity capital to assets | 12.1213% | 1,958 |
| Core capital (leverage) ratio | 11.8304% | 1,691 |
| Tier 1 risk-based capital ratio | 20.1144% | 1,680 |
| Total risk-based capital ratio | 21.3786% | 1,652 |
| Memoranda: | ||
| Average total assets | $72,995,000 | 5,682 |
| Average earning assets | $66,149,500 | 5,682 |
| Average equity | $8,716,500 | 5,357 |
| Average total loans | $48,889,500 | 5,269 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6241% | 912 |
| Cost of funding earning assets | 1.1170% | 2,558 |
| Net interest margin | 4.5071% | 1,114 |
| Noninterest income to average assets | 0.5815% | 3,286 |
| Noninterest expense to average assets | 2.8524% | 4,158 |
| Loan and lease loss provision to assets | 0.3820% | 2,707 |
| Net operating income to assets | 1.1401% | 1,695 |
| Return on assets (ROA) | 1.1786% | 1,689 |
| Pretax return on assets | 1.4658% | 1,573 |
| Return on Equity (ROE) | 9.8891% | 2,094 |
| Retained earnings to average equity (ytd only) | 5.7815% | 2,136 |
| Net charge-offs to loans | 0.2616% | 4,138 |
| Credit loss provision to net charge-offs | 207.6923% | 1,187 |
| Earnings coverage of net charge-offs (x) | 9.7846% | 1,936 |
| Efficiency ratio | 61.3139% | 5,560 |
| Assets per employee ($millions) | 4.1116% | 3,624 |
| Cash dividends to net income (ytd only)* | 41.5366% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 2,317 |
| Loan loss allowance to noncurrent loans | 53.5035% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.6064% | 2,330 |
| Noncurrent loans to loans | 3.7157% | 1,696 |
| Net loans and leases to total assets | 65.6163% | 2,852 |
| Net loans and leases to deposits | 86.7194% | 1,571 |
| Net loans and leases to core deposits | 87.5007% | 2,431 |
| Total domestic deposits to total assets | 75.6651% | 6,525 |
| Equity capital to assets | 11.7661% | 2,292 |
| Core capital (leverage) ratio | 11.7490% | 1,735 |
| Tier 1 risk-based capital ratio | 19.5552% | 1,738 |
| Total risk-based capital ratio | 20.8166% | 1,700 |
| Memoranda: | ||
| Average total assets | $70,676,200 | 5,723 |
| Average earning assets | $63,832,400 | 5,740 |
| Average equity | $8,423,400 | 5,428 |
| Average total loans | $49,695,800 | 5,276 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 766 |
| Cost of funding earning assets | 1.1410% | 2,691 |
| Net interest margin | 4.6146% | 919 |
| Noninterest income to average assets | 0.6567% | 2,841 |
| Noninterest expense to average assets | 2.5638% | 5,222 |
| Loan and lease loss provision to assets | 0.3054% | 3,088 |
| Net operating income to assets | 1.4410% | 1,075 |
| Return on assets (ROA) | 1.4890% | 1,044 |
| Pretax return on assets | 2.0216% | 601 |
| Return on Equity (ROE) | 12.4514% | 1,430 |
| Retained earnings to average equity (ytd only) | 8.2211% | 1,420 |
| Net charge-offs to loans | 0.1635% | 4,476 |
| Credit loss provision to net charge-offs | 262.2951% | 1,088 |
| Earnings coverage of net charge-offs (x) | 19.4265% | 1,263 |
| Efficiency ratio | 53.1250% | 6,581 |
| Assets per employee ($millions) | 4.0376% | 3,766 |
| Cash dividends to net income (ytd only)* | 33.9741% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 2,633 |
| Loan loss allowance to noncurrent loans | 55.0758% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.5992% | 2,483 |
| Noncurrent loans to loans | 3.4373% | 1,997 |
| Net loans and leases to total assets | 67.3129% | 2,609 |
| Net loans and leases to deposits | 92.3665% | 981 |
| Net loans and leases to core deposits | 93.2468% | 1,851 |
| Total domestic deposits to total assets | 72.8759% | 6,865 |
| Equity capital to assets | 12.0396% | 2,217 |
| Core capital (leverage) ratio | 12.3666% | 1,502 |
| Tier 1 risk-based capital ratio | 19.5553% | 1,800 |
| Total risk-based capital ratio | 20.8240% | 1,763 |
| Memoranda: | ||
| Average total assets | $69,843,000 | 5,785 |
| Average earning assets | $63,102,750 | 5,803 |
| Average equity | $8,352,250 | 5,490 |
| Average total loans | $49,733,000 | 5,312 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8000% | 719 |
| Cost of funding earning assets | 1.1780% | 2,718 |
| Net interest margin | 4.6220% | 871 |
| Noninterest income to average assets | 0.6618% | 2,756 |
| Noninterest expense to average assets | 2.6154% | 5,133 |
| Loan and lease loss provision to assets | 0.2903% | 3,066 |
| Net operating income to assets | 1.4529% | 973 |
| Return on assets (ROA) | 1.5269% | 895 |
| Pretax return on assets | 2.0233% | 566 |
| Return on Equity (ROE) | 12.7986% | 1,243 |
| Retained earnings to average equity (ytd only) | 8.5405% | 1,252 |
| Net charge-offs to loans | 0.1731% | 4,131 |
| Credit loss provision to net charge-offs | 232.5581% | 1,290 |
| Earnings coverage of net charge-offs (x) | 17.7442% | 1,284 |
| Efficiency ratio | 54.1466% | 6,608 |
| Assets per employee ($millions) | 3.6067% | 4,668 |
| Cash dividends to net income (ytd only)* | 33.2700% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 2,949 |
| Loan loss allowance to noncurrent loans | 51.9286% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.8076% | 2,388 |
| Noncurrent loans to loans | 3.4896% | 2,027 |
| Net loans and leases to total assets | 71.3198% | 1,932 |
| Net loans and leases to deposits | 99.1480% | 532 |
| Net loans and leases to core deposits | 100.1640% | 1,328 |
| Total domestic deposits to total assets | 71.9326% | 7,009 |
| Equity capital to assets | 12.3468% | 1,872 |
| Core capital (leverage) ratio | 12.2826% | 1,463 |
| Tier 1 risk-based capital ratio | 19.5865% | 1,696 |
| Total risk-based capital ratio | 20.8330% | 1,669 |
| Memoranda: | ||
| Average total assets | $68,898,330 | 5,857 |
| Average earning assets | $62,137,670 | 5,884 |
| Average equity | $8,219,670 | 5,542 |
| Average total loans | $49,689,000 | 5,370 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8412% | 681 |
| Cost of funding earning assets | 1.1900% | 2,884 |
| Net interest margin | 4.6512% | 781 |
| Noninterest income to average assets | 0.8627% | 1,807 |
| Noninterest expense to average assets | 2.5361% | 5,431 |
| Loan and lease loss provision to assets | 0.2606% | 3,054 |
| Net operating income to assets | 1.7180% | 563 |
| Return on assets (ROA) | 1.8413% | 475 |
| Pretax return on assets | 2.4376% | 267 |
| Return on Equity (ROE) | 15.7056% | 710 |
| Retained earnings to average equity (ytd only) | 8.2973% | 1,619 |
| Net charge-offs to loans | 0.2659% | 3,006 |
| Credit loss provision to net charge-offs | 136.3636% | 2,044 |
| Earnings coverage of net charge-offs (x) | 13.2727% | 1,449 |
| Efficiency ratio | 50.0000% | 6,980 |
| Assets per employee ($millions) | 3.6366% | 4,683 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 3,259 |
| Loan loss allowance to noncurrent loans | 66.7445% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.0740% | 3,227 |
| Noncurrent loans to loans | 2.5841% | 2,913 |
| Net loans and leases to total assets | 70.6723% | 1,984 |
| Net loans and leases to deposits | 96.9446% | 624 |
| Net loans and leases to core deposits | 97.9166% | 1,533 |
| Total domestic deposits to total assets | 72.8996% | 7,007 |
| Equity capital to assets | 11.9068% | 1,979 |
| Core capital (leverage) ratio | 11.9266% | 1,602 |
| Tier 1 risk-based capital ratio | 19.0189% | 1,796 |
| Total risk-based capital ratio | 20.2772% | 1,758 |
| Memoranda: | ||
| Average total assets | $69,083,500 | 5,892 |
| Average earning assets | $62,521,500 | 5,917 |
| Average equity | $8,099,000 | 5,575 |
| Average total loans | $49,645,500 | 5,409 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9911% | 863 |
| Cost of funding earning assets | 1.4068% | 3,215 |
| Net interest margin | 4.5843% | 1,037 |
| Noninterest income to average assets | 0.5800% | 3,588 |
| Noninterest expense to average assets | 2.9028% | 4,212 |
| Loan and lease loss provision to assets | 0.3190% | 4,259 |
| Net operating income to assets | 1.2430% | 1,311 |
| Return on assets (ROA) | 1.2803% | 1,285 |
| Pretax return on assets | 1.5515% | 1,246 |
| Return on Equity (ROE) | 11.3935% | 1,483 |
| Retained earnings to average equity (ytd only) | 8.1935% | 917 |
| Net charge-offs to loans | 0.1297% | 5,601 |
| Credit loss provision to net charge-offs | 360.6557% | 706 |
| Earnings coverage of net charge-offs (x) | 20.6393% | 993 |
| Efficiency ratio | 61.3922% | 5,833 |
| Assets per employee ($millions) | 3.8373% | 4,151 |
| Cash dividends to net income (ytd only)* | 28.0861% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 3,203 |
| Loan loss allowance to noncurrent loans | 65.5039% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 2.2035% | 3,092 |
| Noncurrent loans to loans | 2.6006% | 2,928 |
| Net loans and leases to total assets | 70.5901% | 2,392 |
| Net loans and leases to deposits | 95.9992% | 870 |
| Net loans and leases to core deposits | 95.9992% | 2,015 |
| Total domestic deposits to total assets | 73.5320% | 6,946 |
| Equity capital to assets | 11.5401% | 2,229 |
| Core capital (leverage) ratio | 11.4947% | 1,833 |
| Tier 1 risk-based capital ratio | 18.4545% | 1,857 |
| Total risk-based capital ratio | 19.7125% | 1,818 |
| Memoranda: | ||
| Average total assets | $68,967,400 | 5,914 |
| Average earning assets | $62,409,200 | 5,908 |
| Average equity | $7,750,000 | 5,791 |
| Average total loans | $47,037,800 | 5,596 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9662% | 997 |
| Cost of funding earning assets | 1.4273% | 3,408 |
| Net interest margin | 4.5388% | 1,175 |
| Noninterest income to average assets | 0.5512% | 3,775 |
| Noninterest expense to average assets | 2.5258% | 5,619 |
| Loan and lease loss provision to assets | 0.1741% | 5,301 |
| Net operating income to assets | 1.5182% | 886 |
| Return on assets (ROA) | 1.5182% | 968 |
| Pretax return on assets | 1.9533% | 696 |
| Return on Equity (ROE) | 13.6020% | 1,121 |
| Retained earnings to average equity (ytd only) | 9.3048% | 964 |
| Net charge-offs to loans | 0.0718% | 5,792 |
| Credit loss provision to net charge-offs | 360.0000% | 861 |
| Earnings coverage of net charge-offs (x) | 44.0033% | 636 |
| Efficiency ratio | 54.2810% | 6,765 |
| Assets per employee ($millions) | 3.8770% | 4,084 |
| Cash dividends to net income (ytd only)* | 31.5925% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,805 |
| Loan loss allowance to noncurrent loans | 51.5089% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.4418% | 2,928 |
| Noncurrent loans to loans | 2.9801% | 2,678 |
| Net loans and leases to total assets | 69.0310% | 2,977 |
| Net loans and leases to deposits | 95.8324% | 998 |
| Net loans and leases to core deposits | 95.8324% | 2,282 |
| Total domestic deposits to total assets | 72.0331% | 7,128 |
| Equity capital to assets | 11.7330% | 2,334 |
| Core capital (leverage) ratio | 11.5872% | 1,887 |
| Tier 1 risk-based capital ratio | 18.3502% | 1,921 |
| Total risk-based capital ratio | 19.6166% | 1,873 |
| Memoranda: | ||
| Average total assets | $68,941,250 | 5,973 |
| Average earning assets | $62,305,500 | 5,981 |
| Average equity | $7,694,750 | 5,880 |
| Average total loans | $46,396,500 | 5,714 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9264% | 1,121 |
| Cost of funding earning assets | 1.4583% | 3,511 |
| Net interest margin | 4.4682% | 1,273 |
| Noninterest income to average assets | 0.5039% | 4,085 |
| Noninterest expense to average assets | 2.4847% | 5,768 |
| Loan and lease loss provision to assets | 0.1748% | 5,116 |
| Net operating income to assets | 1.4856% | 938 |
| Return on assets (ROA) | 1.4856% | 999 |
| Pretax return on assets | 1.8876% | 755 |
| Return on Equity (ROE) | 13.5452% | 1,132 |
| Retained earnings to average equity (ytd only) | 6.9585% | 1,851 |
| Net charge-offs to loans | 0.1273% | 4,921 |
| Credit loss provision to net charge-offs | 206.8966% | 1,875 |
| Earnings coverage of net charge-offs (x) | 24.4138% | 1,072 |
| Efficiency ratio | 54.6445% | 6,802 |
| Assets per employee ($millions) | 3.7809% | 4,263 |
| Cash dividends to net income (ytd only)* | 48.6275% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 3,708 |
| Loan loss allowance to noncurrent loans | 95.7276% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.4620% | 4,270 |
| Noncurrent loans to loans | 1.6091% | 4,297 |
| Net loans and leases to total assets | 67.3436% | 3,537 |
| Net loans and leases to deposits | 92.6910% | 1,433 |
| Net loans and leases to core deposits | 93.5786% | 2,787 |
| Total domestic deposits to total assets | 72.6538% | 7,126 |
| Equity capital to assets | 11.3728% | 2,540 |
| Core capital (leverage) ratio | 11.3789% | 1,986 |
| Tier 1 risk-based capital ratio | 18.3894% | 1,859 |
| Total risk-based capital ratio | 19.6462% | 1,828 |
| Memoranda: | ||
| Average total assets | $68,659,670 | 6,013 |
| Average earning assets | $62,128,330 | 6,016 |
| Average equity | $7,530,330 | 5,958 |
| Average total loans | $45,553,670 | 5,790 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8883% | 1,225 |
| Cost of funding earning assets | 1.5183% | 3,430 |
| Net interest margin | 4.3700% | 1,476 |
| Noninterest income to average assets | 0.3770% | 5,123 |
| Noninterest expense to average assets | 2.4014% | 6,080 |
| Loan and lease loss provision to assets | 0.1740% | 4,781 |
| Net operating income to assets | 1.4037% | 1,067 |
| Return on assets (ROA) | 1.4037% | 1,139 |
| Pretax return on assets | 1.7749% | 929 |
| Return on Equity (ROE) | 13.0362% | 1,246 |
| Retained earnings to average equity (ytd only) | 0.4309% | 5,663 |
| Net charge-offs to loans | 0.1332% | 4,157 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,090 |
| Efficiency ratio | 55.2000% | 6,859 |
| Assets per employee ($millions) | 3.8274% | 4,260 |
| Cash dividends to net income (ytd only)* | 96.6942% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 3,679 |
| Loan loss allowance to noncurrent loans | 111.8022% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 4,767 |
| Noncurrent loans to loans | 1.3824% | 4,664 |
| Net loans and leases to total assets | 64.8165% | 4,140 |
| Net loans and leases to deposits | 85.8830% | 2,605 |
| Net loans and leases to core deposits | 86.6647% | 3,801 |
| Total domestic deposits to total assets | 75.4707% | 6,837 |
| Equity capital to assets | 10.8052% | 2,949 |
| Core capital (leverage) ratio | 10.7435% | 2,422 |
| Tier 1 risk-based capital ratio | 17.9611% | 1,952 |
| Total risk-based capital ratio | 19.2163% | 1,918 |
| Memoranda: | ||
| Average total assets | $68,961,000 | 6,072 |
| Average earning assets | $62,700,500 | 6,058 |
| Average equity | $7,425,500 | 6,044 |
| Average total loans | $45,056,000 | 5,883 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9810% | 1,941 |
| Cost of funding earning assets | 1.9846% | 3,032 |
| Net interest margin | 3.9964% | 2,877 |
| Noninterest income to average assets | 0.6007% | 3,628 |
| Noninterest expense to average assets | 2.8823% | 4,599 |
| Loan and lease loss provision to assets | 0.1749% | 5,948 |
| Net operating income to assets | 1.0526% | 1,656 |
| Return on assets (ROA) | 1.0526% | 1,697 |
| Pretax return on assets | 1.1896% | 1,981 |
| Return on Equity (ROE) | 10.0353% | 1,676 |
| Retained earnings to average equity (ytd only) | 5.9211% | 1,381 |
| Net charge-offs to loans | 0.3373% | 4,544 |
| Credit loss provision to net charge-offs | 82.7586% | 6,224 |
| Earnings coverage of net charge-offs (x) | 6.4552% | 2,361 |
| Efficiency ratio | 67.8682% | 5,028 |
| Assets per employee ($millions) | 3.8349% | 4,196 |
| Cash dividends to net income (ytd only)* | 40.9972% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,560 |
| Loan loss allowance to noncurrent loans | 95.8101% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.3299% | 4,438 |
| Noncurrent loans to loans | 1.5997% | 4,256 |
| Net loans and leases to total assets | 63.8442% | 4,631 |
| Net loans and leases to deposits | 85.3957% | 3,011 |
| Net loans and leases to core deposits | 94.3866% | 4,638 |
| Total domestic deposits to total assets | 74.7628% | 6,902 |
| Equity capital to assets | 10.7303% | 2,943 |
| Core capital (leverage) ratio | 10.9218% | 2,269 |
| Tier 1 risk-based capital ratio | 18.0165% | 1,889 |
| Total risk-based capital ratio | 19.2720% | 1,848 |
| Memoranda: | ||
| Average total assets | $68,592,200 | 6,052 |
| Average earning assets | $62,582,000 | 6,046 |
| Average equity | $7,194,600 | 6,205 |
| Average total loans | $42,983,800 | 5,981 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9777% | 2,123 |
| Cost of funding earning assets | 2.0602% | 3,074 |
| Net interest margin | 3.9176% | 3,169 |
| Noninterest income to average assets | 0.6191% | 3,553 |
| Noninterest expense to average assets | 2.5290% | 5,983 |
| Loan and lease loss provision to assets | 0.1752% | 5,609 |
| Net operating income to assets | 1.3005% | 1,212 |
| Return on assets (ROA) | 1.3005% | 1,291 |
| Pretax return on assets | 1.4874% | 1,449 |
| Return on Equity (ROE) | 12.4713% | 1,244 |
| Retained earnings to average equity (ytd only) | 8.2894% | 1,048 |
| Net charge-offs to loans | 0.5140% | 3,156 |
| Credit loss provision to net charge-offs | 54.8780% | 6,247 |
| Earnings coverage of net charge-offs (x) | 5.2074% | 2,894 |
| Efficiency ratio | 60.3344% | 6,364 |
| Assets per employee ($millions) | 3.9876% | 3,758 |
| Cash dividends to net income (ytd only)* | 33.5332% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 3,728 |
| Loan loss allowance to noncurrent loans | 105.8140% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.1801% | 4,718 |
| Noncurrent loans to loans | 1.3623% | 4,649 |
| Net loans and leases to total assets | 64.2469% | 4,815 |
| Net loans and leases to deposits | 89.3688% | 2,703 |
| Net loans and leases to core deposits | 99.8624% | 4,389 |
| Total domestic deposits to total assets | 71.8897% | 7,224 |
| Equity capital to assets | 11.0857% | 2,937 |
| Core capital (leverage) ratio | 11.1236% | 2,314 |
| Tier 1 risk-based capital ratio | 18.2724% | 1,916 |
| Total risk-based capital ratio | 19.5254% | 1,861 |
| Memoranda: | ||
| Average total assets | $68,483,000 | 6,089 |
| Average earning assets | $62,452,500 | 6,090 |
| Average equity | $7,141,500 | 6,278 |
| Average total loans | $42,540,500 | 6,044 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9216% | 2,490 |
| Cost of funding earning assets | 2.1435% | 3,071 |
| Net interest margin | 3.7781% | 3,640 |
| Noninterest income to average assets | 0.6083% | 3,625 |
| Noninterest expense to average assets | 2.5875% | 5,788 |
| Loan and lease loss provision to assets | 0.1746% | 5,304 |
| Net operating income to assets | 1.1904% | 1,502 |
| Return on assets (ROA) | 1.1904% | 1,589 |
| Pretax return on assets | 1.3040% | 2,014 |
| Return on Equity (ROE) | 11.6574% | 1,518 |
| Retained earnings to average equity (ytd only) | 5.2729% | 2,360 |
| Net charge-offs to loans | 0.7049% | 2,291 |
| Credit loss provision to net charge-offs | 40.5405% | 5,895 |
| Earnings coverage of net charge-offs (x) | 3.4324% | 3,439 |
| Efficiency ratio | 63.6364% | 5,973 |
| Assets per employee ($millions) | 3.9514% | 3,772 |
| Cash dividends to net income (ytd only)* | 54.7677% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 3,476 |
| Loan loss allowance to noncurrent loans | 96.8896% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2788% | 4,378 |
| Noncurrent loans to loans | 1.4947% | 4,255 |
| Net loans and leases to total assets | 63.1161% | 5,160 |
| Net loans and leases to deposits | 87.6786% | 3,224 |
| Net loans and leases to core deposits | 97.0827% | 4,777 |
| Total domestic deposits to total assets | 71.9858% | 7,245 |
| Equity capital to assets | 10.5355% | 3,358 |
| Core capital (leverage) ratio | 10.5667% | 2,755 |
| Tier 1 risk-based capital ratio | 17.9191% | 2,044 |
| Total risk-based capital ratio | 19.1723% | 1,976 |
| Memoranda: | ||
| Average total assets | $68,714,000 | 6,124 |
| Average earning assets | $62,888,670 | 6,116 |
| Average equity | $7,017,000 | 6,365 |
| Average total loans | $41,990,670 | 6,113 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8524% | 3,029 |
| Cost of funding earning assets | 2.2480% | 2,924 |
| Net interest margin | 3.6044% | 4,302 |
| Noninterest income to average assets | 0.5066% | 4,265 |
| Noninterest expense to average assets | 2.3142% | 6,490 |
| Loan and lease loss provision to assets | 0.1669% | 4,793 |
| Net operating income to assets | 1.7673% | 566 |
| Return on assets (ROA) | 1.7673% | 620 |
| Pretax return on assets | 1.3298% | 2,181 |
| Return on Equity (ROE) | 17.5755% | 629 |
| Retained earnings to average equity (ytd only) | 5.2669% | 2,979 |
| Net charge-offs to loans | 0.1543% | 3,724 |
| Credit loss provision to net charge-offs | 181.2500% | 2,402 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,560 |
| Efficiency ratio | 60.7251% | 6,289 |
| Assets per employee ($millions) | 3.8764% | 3,926 |
| Cash dividends to net income (ytd only)* | 70.0326% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 2,002 |
| Loan loss allowance to noncurrent loans | 92.9397% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1523% | 4,369 |
| Noncurrent loans to loans | 1.8756% | 3,447 |
| Net loans and leases to total assets | 58.4857% | 5,868 |
| Net loans and leases to deposits | 79.7861% | 4,645 |
| Net loans and leases to core deposits | 87.8406% | 5,756 |
| Total domestic deposits to total assets | 73.3031% | 7,004 |
| Equity capital to assets | 10.0937% | 3,887 |
| Core capital (leverage) ratio | 10.2381% | 3,163 |
| Tier 1 risk-based capital ratio | 17.7559% | 2,110 |
| Total risk-based capital ratio | 19.0141% | 2,058 |
| Memoranda: | ||
| Average total assets | $69,484,500 | 6,125 |
| Average earning assets | $63,700,500 | 6,119 |
| Average equity | $6,987,000 | 6,418 |
| Average total loans | $41,476,000 | 6,164 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2954% | 3,983 |
| Cost of funding earning assets | 2.5393% | 4,005 |
| Net interest margin | 3.7561% | 4,197 |
| Noninterest income to average assets | 0.8177% | 2,414 |
| Noninterest expense to average assets | 2.7124% | 5,211 |
| Loan and lease loss provision to assets | 0.1728% | 5,175 |
| Net operating income to assets | 1.1424% | 1,974 |
| Return on assets (ROA) | 1.1424% | 1,894 |
| Pretax return on assets | 1.3718% | 2,052 |
| Return on Equity (ROE) | 11.2203% | 1,840 |
| Retained earnings to average equity (ytd only) | 3.1891% | 3,164 |
| Net charge-offs to loans | 0.1841% | 4,356 |
| Credit loss provision to net charge-offs | 158.9041% | 3,254 |
| Earnings coverage of net charge-offs (x) | 14.2055% | 2,063 |
| Efficiency ratio | 63.7159% | 5,625 |
| Assets per employee ($millions) | 3.8441% | 3,869 |
| Cash dividends to net income (ytd only)* | 71.5776% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 1,860 |
| Loan loss allowance to noncurrent loans | 99.7195% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 4,245 |
| Noncurrent loans to loans | 1.7214% | 3,184 |
| Net loans and leases to total assets | 58.8325% | 6,086 |
| Net loans and leases to deposits | 81.3249% | 4,822 |
| Net loans and leases to core deposits | 90.3378% | 5,775 |
| Total domestic deposits to total assets | 72.3426% | 6,939 |
| Equity capital to assets | 10.0169% | 4,015 |
| Core capital (leverage) ratio | 10.3468% | 3,121 |
| Tier 1 risk-based capital ratio | 17.3610% | 2,214 |
| Total risk-based capital ratio | 18.6174% | 2,166 |
| Memoranda: | ||
| Average total assets | $67,136,800 | 6,121 |
| Average earning assets | $61,473,400 | 6,111 |
| Average equity | $6,835,800 | 6,510 |
| Average total loans | $39,656,600 | 6,174 |