Home > Galion Building and Loan Bank > Performance and Condition Ratios
Galion Building and Loan 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 | 4.9248% | 3,230 |
| Cost of funding earning assets | 1.6668% | 2,810 |
| Net interest margin | 3.2580% | 2,860 |
| Noninterest income to average assets | 0.2100% | 3,487 |
| Noninterest expense to average assets | 2.9272% | 1,274 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.2891% | 3,874 |
| Return on assets (ROA) | 0.2891% | 3,903 |
| Pretax return on assets | 0.3717% | 3,864 |
| Return on Equity (ROE) | 2.7000% | 3,911 |
| Retained earnings to average equity (ytd only) | 2.7024% | 3,163 |
| Net charge-offs to loans | -0.0072% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 88.0435% | 571 |
| Assets per employee ($millions) | 5.1499% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 4,134 |
| Loan loss allowance to noncurrent loans | 222.4359% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,494 |
| Noncurrent loans to loans | 0.2813% | 2,499 |
| Net loans and leases to total assets | 71.3300% | 1,686 |
| Net loans and leases to deposits | 88.1362% | 1,294 |
| Net loans and leases to core deposits | 93.6057% | 1,800 |
| Total domestic deposits to total assets | 80.9300% | 3,491 |
| Equity capital to assets | 10.7718% | 1,781 |
| Core capital (leverage) ratio | 10.8817% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $77,480,500 | 3,969 |
| Average earning assets | $74,156,000 | 3,928 |
| Average equity | $8,289,000 | 3,957 |
| Average total loans | $55,827,500 | 3,746 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 3,325 |
| Cost of funding earning assets | 1.4940% | 3,353 |
| Net interest margin | 3.3615% | 2,368 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 2.8198% | 1,462 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.4292% | 3,629 |
| Return on assets (ROA) | 0.4292% | 3,649 |
| Pretax return on assets | 0.5666% | 3,529 |
| Return on Equity (ROE) | 4.0500% | 3,696 |
| Retained earnings to average equity (ytd only) | 4.0481% | 2,614 |
| Net charge-offs to loans | -0.0054% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 82.1578% | 911 |
| Assets per employee ($millions) | 5.1809% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 4,174 |
| Loan loss allowance to noncurrent loans | 193.7853% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 2,364 |
| Noncurrent loans to loans | 0.3149% | 2,326 |
| Net loans and leases to total assets | 71.8900% | 1,680 |
| Net loans and leases to deposits | 88.4932% | 1,345 |
| Net loans and leases to core deposits | 93.1051% | 1,902 |
| Total domestic deposits to total assets | 81.2300% | 3,371 |
| Equity capital to assets | 10.6250% | 1,763 |
| Core capital (leverage) ratio | 10.8265% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $76,424,200 | 3,988 |
| Average earning assets | $73,091,800 | 3,944 |
| Average equity | $8,102,600 | 3,952 |
| Average total loans | $55,254,200 | 3,750 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 3,360 |
| Cost of funding earning assets | 1.4311% | 3,472 |
| Net interest margin | 3.3807% | 2,274 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.8347% | 1,400 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.4625% | 3,552 |
| Return on assets (ROA) | 0.4625% | 3,583 |
| Pretax return on assets | 0.5922% | 3,484 |
| Return on Equity (ROE) | 4.3600% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.3650% | 2,706 |
| Net charge-offs to loans | -0.0073% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 82.0903% | 943 |
| Assets per employee ($millions) | 5.4681% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5975% | 4,233 |
| Loan loss allowance to noncurrent loans | 126.6409% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 1,861 |
| Noncurrent loans to loans | 0.4718% | 1,900 |
| Net loans and leases to total assets | 71.2800% | 1,703 |
| Net loans and leases to deposits | 88.3612% | 1,398 |
| Net loans and leases to core deposits | 91.8240% | 2,020 |
| Total domestic deposits to total assets | 80.6700% | 3,365 |
| Equity capital to assets | 10.7127% | 1,862 |
| Core capital (leverage) ratio | 11.0121% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $76,102,000 | 4,005 |
| Average earning assets | $72,764,500 | 3,970 |
| Average equity | $8,064,000 | 3,972 |
| Average total loans | $55,016,000 | 3,760 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 3,322 |
| Cost of funding earning assets | 1.3568% | 3,539 |
| Net interest margin | 3.4209% | 2,123 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 2.8360% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5214% | 3,375 |
| Return on assets (ROA) | 0.5214% | 3,399 |
| Pretax return on assets | 0.6609% | 3,313 |
| Return on Equity (ROE) | 4.9400% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.9387% | 2,351 |
| Net charge-offs to loans | -0.0073% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 81.0994% | 1,040 |
| Assets per employee ($millions) | 4.9911% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5650% | 4,275 |
| Loan loss allowance to noncurrent loans | 157.5758% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 2,110 |
| Noncurrent loans to loans | 0.3585% | 2,119 |
| Net loans and leases to total assets | 73.3500% | 1,492 |
| Net loans and leases to deposits | 91.0226% | 1,208 |
| Net loans and leases to core deposits | 93.6251% | 1,891 |
| Total domestic deposits to total assets | 80.5800% | 3,347 |
| Equity capital to assets | 10.8487% | 1,642 |
| Core capital (leverage) ratio | 10.9251% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $75,951,333 | 4,026 |
| Average earning assets | $72,670,333 | 3,983 |
| Average equity | $8,018,333 | 3,973 |
| Average total loans | $55,055,000 | 3,769 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 3,439 |
| Cost of funding earning assets | 1.2674% | 3,612 |
| Net interest margin | 3.3816% | 2,155 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 2.8394% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5020% | 3,393 |
| Return on assets (ROA) | 0.5020% | 3,415 |
| Pretax return on assets | 0.6327% | 3,325 |
| Return on Equity (ROE) | 4.8200% | 3,497 |
| Retained earnings to average equity (ytd only) | 4.8202% | 2,459 |
| Net charge-offs to loans | -0.0073% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.7771% | 1,057 |
| Assets per employee ($millions) | 5.0590% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 4,262 |
| Loan loss allowance to noncurrent loans | 780.0000% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,319 |
| Noncurrent loans to loans | 0.0737% | 3,261 |
| Net loans and leases to total assets | 71.1200% | 1,666 |
| Net loans and leases to deposits | 87.7125% | 1,383 |
| Net loans and leases to core deposits | 90.1567% | 2,037 |
| Total domestic deposits to total assets | 81.0800% | 3,362 |
| Equity capital to assets | 10.5634% | 1,697 |
| Core capital (leverage) ratio | 10.8301% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $76,494,000 | 4,046 |
| Average earning assets | $73,219,500 | 4,004 |
| Average equity | $7,966,500 | 3,994 |
| Average total loans | $54,970,000 | 3,783 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 3,197 |
| Cost of funding earning assets | 0.9799% | 3,342 |
| Net interest margin | 3.4659% | 2,263 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.7850% | 1,543 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.5194% | 3,630 |
| Return on assets (ROA) | 0.5194% | 3,618 |
| Pretax return on assets | 0.6995% | 3,441 |
| Return on Equity (ROE) | 5.1200% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.1200% | 2,571 |
| Net charge-offs to loans | -0.0221% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.5900% | 1,023 |
| Assets per employee ($millions) | 4.8189% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5569% | 4,292 |
| Loan loss allowance to noncurrent loans | 720.9302% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,214 |
| Noncurrent loans to loans | 0.0773% | 3,167 |
| Net loans and leases to total assets | 71.7900% | 1,606 |
| Net loans and leases to deposits | 89.6069% | 1,302 |
| Net loans and leases to core deposits | 91.3203% | 1,963 |
| Total domestic deposits to total assets | 80.1200% | 3,442 |
| Equity capital to assets | 10.2681% | 1,861 |
| Core capital (leverage) ratio | 10.3943% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $76,051,600 | 4,052 |
| Average earning assets | $72,766,000 | 4,004 |
| Average equity | $7,714,800 | 3,966 |
| Average total loans | $54,269,600 | 3,786 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 3,212 |
| Cost of funding earning assets | 0.8700% | 3,343 |
| Net interest margin | 3.4707% | 2,274 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.7743% | 1,487 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.5805% | 3,595 |
| Return on assets (ROA) | 0.5805% | 3,579 |
| Pretax return on assets | 0.7442% | 3,460 |
| Return on Equity (ROE) | 5.7400% | 3,684 |
| Retained earnings to average equity (ytd only) | 5.7408% | 2,706 |
| Net charge-offs to loans | -0.0247% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.0693% | 1,005 |
| Assets per employee ($millions) | 4.8144% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5003% | 4,348 |
| Loan loss allowance to noncurrent loans | 514.5455% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,127 |
| Noncurrent loans to loans | 0.0972% | 3,094 |
| Net loans and leases to total assets | 73.0700% | 1,463 |
| Net loans and leases to deposits | 91.8956% | 1,060 |
| Net loans and leases to core deposits | 93.6587% | 1,692 |
| Total domestic deposits to total assets | 79.5100% | 3,602 |
| Equity capital to assets | 10.1595% | 1,729 |
| Core capital (leverage) ratio | 10.5084% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $75,788,750 | 4,072 |
| Average earning assets | $72,491,000 | 4,025 |
| Average equity | $7,664,250 | 3,972 |
| Average total loans | $53,921,500 | 3,796 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 3,156 |
| Cost of funding earning assets | 0.7323% | 3,402 |
| Net interest margin | 3.5368% | 2,185 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.7940% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6527% | 3,452 |
| Return on assets (ROA) | 0.6527% | 3,454 |
| Pretax return on assets | 0.8252% | 3,340 |
| Return on Equity (ROE) | 6.4600% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.4649% | 2,457 |
| Net charge-offs to loans | -0.0302% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.1994% | 1,072 |
| Assets per employee ($millions) | 5.0608% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4811% | 4,392 |
| Loan loss allowance to noncurrent loans | 1,186.3636% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,499 |
| Noncurrent loans to loans | 0.0406% | 3,437 |
| Net loans and leases to total assets | 71.1200% | 1,622 |
| Net loans and leases to deposits | 86.2752% | 1,477 |
| Net loans and leases to core deposits | 88.2480% | 1,911 |
| Total domestic deposits to total assets | 82.4400% | 3,146 |
| Equity capital to assets | 10.1855% | 1,756 |
| Core capital (leverage) ratio | 10.3989% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $75,374,667 | 4,098 |
| Average earning assets | $72,098,333 | 4,052 |
| Average equity | $7,610,333 | 3,998 |
| Average total loans | $53,038,667 | 3,820 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 3,066 |
| Cost of funding earning assets | 0.5571% | 3,510 |
| Net interest margin | 3.6323% | 2,052 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.7801% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7403% | 3,370 |
| Return on assets (ROA) | 0.7403% | 3,326 |
| Pretax return on assets | 0.9373% | 3,156 |
| Return on Equity (ROE) | 7.3600% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.3647% | 2,403 |
| Net charge-offs to loans | -0.0305% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.7851% | 1,266 |
| Assets per employee ($millions) | 4.7165% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4803% | 4,451 |
| Loan loss allowance to noncurrent loans | 1,117.3913% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,475 |
| Noncurrent loans to loans | 0.0430% | 3,430 |
| Net loans and leases to total assets | 70.5600% | 1,567 |
| Net loans and leases to deposits | 82.1472% | 1,645 |
| Net loans and leases to core deposits | 83.6126% | 2,014 |
| Total domestic deposits to total assets | 85.8900% | 2,627 |
| Equity capital to assets | 10.1174% | 1,759 |
| Core capital (leverage) ratio | 10.3014% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $75,106,000 | 4,160 |
| Average earning assets | $71,800,000 | 4,113 |
| Average equity | $7,549,500 | 4,054 |
| Average total loans | $52,432,000 | 3,871 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3913% | 3,363 |
| Cost of funding earning assets | 0.2974% | 2,897 |
| Net interest margin | 3.0939% | 3,191 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.6261% | 1,751 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.3980% | 4,244 |
| Return on assets (ROA) | 0.3980% | 4,208 |
| Pretax return on assets | 0.4832% | 4,190 |
| Return on Equity (ROE) | 4.0400% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.0448% | 3,382 |
| Net charge-offs to loans | -0.0161% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.3456% | 577 |
| Assets per employee ($millions) | 4.6718% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4926% | 4,438 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,502 |
| Noncurrent loans to loans | 0.0448% | 3,436 |
| Net loans and leases to total assets | 68.3700% | 1,798 |
| Net loans and leases to deposits | 77.1799% | 2,018 |
| Net loans and leases to core deposits | 78.2218% | 2,258 |
| Total domestic deposits to total assets | 88.5900% | 1,848 |
| Equity capital to assets | 9.9856% | 1,711 |
| Core capital (leverage) ratio | 10.1752% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $75,130,200 | 4,184 |
| Average earning assets | $71,624,000 | 4,136 |
| Average equity | $7,392,200 | 4,166 |
| Average total loans | $49,571,200 | 3,901 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 3,375 |
| Cost of funding earning assets | 0.3012% | 2,151 |
| Net interest margin | 2.9230% | 3,424 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.6178% | 1,675 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.2747% | 4,410 |
| Return on assets (ROA) | 0.2747% | 4,367 |
| Pretax return on assets | 0.3616% | 4,317 |
| Return on Equity (ROE) | 2.8000% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.8025% | 3,835 |
| Net charge-offs to loans | -0.0190% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.3238% | 452 |
| Assets per employee ($millions) | 5.0263% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4426% | 4,524 |
| Loan loss allowance to noncurrent loans | 252.2727% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 2,800 |
| Noncurrent loans to loans | 0.1754% | 2,712 |
| Net loans and leases to total assets | 66.2400% | 1,862 |
| Net loans and leases to deposits | 74.1382% | 2,036 |
| Net loans and leases to core deposits | 75.1207% | 2,268 |
| Total domestic deposits to total assets | 89.3400% | 1,943 |
| Equity capital to assets | 9.8257% | 1,706 |
| Core capital (leverage) ratio | 9.8951% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $75,225,750 | 4,215 |
| Average earning assets | $71,705,250 | 4,169 |
| Average equity | $7,374,250 | 4,205 |
| Average total loans | $49,124,000 | 3,925 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0385% | 3,456 |
| Cost of funding earning assets | 0.3159% | 1,566 |
| Net interest margin | 2.7226% | 3,659 |
| Noninterest income to average assets | 0.2448% | 3,703 |
| Noninterest expense to average assets | 2.5941% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1969% | 4,427 |
| Return on assets (ROA) | 0.1969% | 4,390 |
| Pretax return on assets | 0.2421% | 4,356 |
| Return on Equity (ROE) | 2.0101% | 4,353 |
| Retained earnings to average equity (ytd only) | 2.0101% | 3,751 |
| Net charge-offs to loans | -0.0041% | 3,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4634% | 354 |
| Assets per employee ($millions) | 5.0313% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3692% | 4,626 |
| Loan loss allowance to noncurrent loans | 224.0964% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 2,936 |
| Noncurrent loans to loans | 0.1648% | 2,872 |
| Net loans and leases to total assets | 66.4993% | 1,630 |
| Net loans and leases to deposits | 74.1830% | 1,851 |
| Net loans and leases to core deposits | 75.1606% | 2,079 |
| Total domestic deposits to total assets | 89.6422% | 1,873 |
| Equity capital to assets | 9.7416% | 1,855 |
| Core capital (leverage) ratio | 9.7515% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,169,667 | 4,258 |
| Average earning assets | $71,548,333 | 4,229 |
| Average equity | $7,363,000 | 4,269 |
| Average total loans | $48,778,667 | 3,978 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8776% | 3,588 |
| Cost of funding earning assets | 0.3303% | 1,376 |
| Net interest margin | 2.5473% | 3,792 |
| Noninterest income to average assets | 0.2346% | 3,738 |
| Noninterest expense to average assets | 2.5380% | 1,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0960% | 4,473 |
| Return on assets (ROA) | 0.0960% | 4,446 |
| Pretax return on assets | 0.1226% | 4,418 |
| Return on Equity (ROE) | 0.9771% | 4,428 |
| Retained earnings to average equity (ytd only) | 0.9771% | 3,827 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3908% | 348 |
| Assets per employee ($millions) | 5.0075% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3827% | 4,650 |
| Loan loss allowance to noncurrent loans | 80.5195% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 1,888 |
| Noncurrent loans to loans | 0.4753% | 1,836 |
| Net loans and leases to total assets | 64.4624% | 1,562 |
| Net loans and leases to deposits | 71.8596% | 1,789 |
| Net loans and leases to core deposits | 72.8094% | 2,043 |
| Total domestic deposits to total assets | 89.7060% | 1,715 |
| Equity capital to assets | 9.7960% | 2,052 |
| Core capital (leverage) ratio | 9.7677% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,019,500 | 4,284 |
| Average earning assets | $71,448,500 | 4,252 |
| Average equity | $7,368,500 | 4,327 |
| Average total loans | $47,981,500 | 4,010 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0611% | 3,759 |
| Cost of funding earning assets | 0.4127% | 1,453 |
| Net interest margin | 2.6485% | 3,966 |
| Noninterest income to average assets | 0.2712% | 3,767 |
| Noninterest expense to average assets | 2.7711% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0151% | 4,672 |
| Return on assets (ROA) | 0.0151% | 4,682 |
| Pretax return on assets | 0.0179% | 4,676 |
| Return on Equity (ROE) | 0.1487% | 4,677 |
| Retained earnings to average equity (ytd only) | 0.1487% | 4,448 |
| Net charge-offs to loans | -0.0021% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3583% | 152 |
| Assets per employee ($millions) | 5.7636% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3928% | 4,689 |
| Loan loss allowance to noncurrent loans | 64.3599% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 1,685 |
| Noncurrent loans to loans | 0.6102% | 1,618 |
| Net loans and leases to total assets | 62.9573% | 1,831 |
| Net loans and leases to deposits | 70.2466% | 2,108 |
| Net loans and leases to core deposits | 71.1772% | 2,337 |
| Total domestic deposits to total assets | 89.6232% | 1,156 |
| Equity capital to assets | 9.8483% | 2,800 |
| Core capital (leverage) ratio | 9.7473% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,642,800 | 4,307 |
| Average earning assets | $69,059,200 | 4,275 |
| Average equity | $7,397,200 | 4,388 |
| Average total loans | $46,615,200 | 4,060 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1250% | 3,754 |
| Cost of funding earning assets | 0.4264% | 1,507 |
| Net interest margin | 2.6986% | 3,974 |
| Noninterest income to average assets | 0.2867% | 3,737 |
| Noninterest expense to average assets | 2.8323% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0148% | 4,738 |
| Return on assets (ROA) | 0.0148% | 4,749 |
| Pretax return on assets | 0.0185% | 4,747 |
| Return on Equity (ROE) | 0.1441% | 4,745 |
| Retained earnings to average equity (ytd only) | 0.1441% | 4,540 |
| Net charge-offs to loans | -0.0029% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3511% | 164 |
| Assets per employee ($millions) | 4.9936% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3857% | 4,779 |
| Loan loss allowance to noncurrent loans | 70.1887% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 2,015 |
| Noncurrent loans to loans | 0.5495% | 1,943 |
| Net loans and leases to total assets | 64.1394% | 1,754 |
| Net loans and leases to deposits | 71.6814% | 2,080 |
| Net loans and leases to core deposits | 72.3583% | 2,399 |
| Total domestic deposits to total assets | 89.4785% | 1,022 |
| Equity capital to assets | 9.8766% | 3,021 |
| Core capital (leverage) ratio | 9.9558% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,071,750 | 4,368 |
| Average earning assets | $68,477,250 | 4,337 |
| Average equity | $7,401,750 | 4,450 |
| Average total loans | $46,429,500 | 4,123 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2460% | 3,577 |
| Cost of funding earning assets | 0.4413% | 1,587 |
| Net interest margin | 2.8047% | 3,782 |
| Noninterest income to average assets | 0.3177% | 3,523 |
| Noninterest expense to average assets | 2.8934% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0590% | 4,744 |
| Return on assets (ROA) | 0.0590% | 4,754 |
| Pretax return on assets | 0.0872% | 4,745 |
| Return on Equity (ROE) | 0.5673% | 4,743 |
| Retained earnings to average equity (ytd only) | 0.5673% | 4,419 |
| Net charge-offs to loans | -0.0044% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0755% | 197 |
| Assets per employee ($millions) | 4.8526% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3894% | 4,807 |
| Loan loss allowance to noncurrent loans | 99.4652% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 2,642 |
| Noncurrent loans to loans | 0.3915% | 2,500 |
| Net loans and leases to total assets | 65.3588% | 1,779 |
| Net loans and leases to deposits | 73.2573% | 2,072 |
| Net loans and leases to core deposits | 73.9715% | 2,411 |
| Total domestic deposits to total assets | 89.2182% | 1,178 |
| Equity capital to assets | 10.2021% | 2,669 |
| Core capital (leverage) ratio | 10.0767% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,127,667 | 4,405 |
| Average earning assets | $67,528,333 | 4,372 |
| Average equity | $7,403,000 | 4,477 |
| Average total loans | $45,829,667 | 4,157 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0666% | 3,950 |
| Cost of funding earning assets | 0.4621% | 1,640 |
| Net interest margin | 2.6045% | 4,139 |
| Noninterest income to average assets | 0.4040% | 3,064 |
| Noninterest expense to average assets | 2.9418% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0683% | 4,801 |
| Return on assets (ROA) | -0.0683% | 4,803 |
| Pretax return on assets | -0.0683% | 4,803 |
| Return on Equity (ROE) | -0.6494% | 4,810 |
| Retained earnings to average equity (ytd only) | -0.6494% | 4,424 |
| Net charge-offs to loans | -0.0089% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3762% | 170 |
| Assets per employee ($millions) | 4.4876% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4157% | 4,820 |
| Loan loss allowance to noncurrent loans | 70.8812% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 2,346 |
| Noncurrent loans to loans | 0.5865% | 2,104 |
| Net loans and leases to total assets | 61.7253% | 2,315 |
| Net loans and leases to deposits | 69.0978% | 2,592 |
| Net loans and leases to core deposits | 69.7788% | 2,886 |
| Total domestic deposits to total assets | 89.3304% | 1,156 |
| Equity capital to assets | 10.2964% | 2,437 |
| Core capital (leverage) ratio | 10.6309% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,297,000 | 4,433 |
| Average earning assets | $66,653,000 | 4,401 |
| Average equity | $7,391,500 | 4,492 |
| Average total loans | $44,864,500 | 4,191 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5539% | 3,916 |
| Cost of funding earning assets | 0.5982% | 2,327 |
| Net interest margin | 2.9557% | 3,998 |
| Noninterest income to average assets | 0.3048% | 3,652 |
| Noninterest expense to average assets | 3.2237% | 1,013 |
| Loan and lease loss provision to assets | 0.0229% | 4,113 |
| Net operating income to assets | -0.1113% | 4,792 |
| Return on assets (ROA) | -0.1113% | 4,812 |
| Pretax return on assets | -0.1478% | 4,806 |
| Return on Equity (ROE) | -0.9892% | 4,819 |
| Retained earnings to average equity (ytd only) | -0.9892% | 4,637 |
| Net charge-offs to loans | 0.0613% | 1,900 |
| Credit loss provision to net charge-offs | 53.5714% | 3,126 |
| Earnings coverage of net charge-offs (x) | -2.9286% | 3,367 |
| Efficiency ratio | 104.0334% | 142 |
| Assets per employee ($millions) | 4.3010% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4069% | 4,852 |
| Loan loss allowance to noncurrent loans | 59.7403% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 2,244 |
| Noncurrent loans to loans | 0.6811% | 1,981 |
| Net loans and leases to total assets | 65.4499% | 2,162 |
| Net loans and leases to deposits | 73.4975% | 2,537 |
| Net loans and leases to core deposits | 74.2560% | 2,893 |
| Total domestic deposits to total assets | 89.0505% | 965 |
| Equity capital to assets | 10.7533% | 2,475 |
| Core capital (leverage) ratio | 10.8074% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,608,400 | 4,434 |
| Average earning assets | $62,016,800 | 4,416 |
| Average equity | $7,379,400 | 4,491 |
| Average total loans | $45,656,800 | 4,194 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 4,163 |
| Cost of funding earning assets | 0.6272% | 2,446 |
| Net interest margin | 2.8965% | 4,189 |
| Noninterest income to average assets | 0.3168% | 3,593 |
| Noninterest expense to average assets | 3.2938% | 911 |
| Loan and lease loss provision to assets | 0.0309% | 3,948 |
| Net operating income to assets | -0.2716% | 4,851 |
| Return on assets (ROA) | -0.2716% | 4,859 |
| Pretax return on assets | -0.2716% | 4,857 |
| Return on Equity (ROE) | -2.3866% | 4,866 |
| Retained earnings to average equity (ytd only) | -2.3866% | 4,729 |
| Net charge-offs to loans | 0.0816% | 1,486 |
| Credit loss provision to net charge-offs | 53.5714% | 2,873 |
| Earnings coverage of net charge-offs (x) | -4.1786% | 3,183 |
| Efficiency ratio | 107.8841% | 120 |
| Assets per employee ($millions) | 4.2209% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3988% | 4,884 |
| Loan loss allowance to noncurrent loans | 60.5263% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 2,380 |
| Noncurrent loans to loans | 0.6588% | 2,141 |
| Net loans and leases to total assets | 68.0531% | 2,241 |
| Net loans and leases to deposits | 76.6315% | 2,695 |
| Net loans and leases to core deposits | 77.4398% | 3,059 |
| Total domestic deposits to total assets | 88.8056% | 861 |
| Equity capital to assets | 10.8701% | 2,499 |
| Core capital (leverage) ratio | 10.8989% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,806,500 | 4,460 |
| Average earning assets | $61,221,250 | 4,442 |
| Average equity | $7,374,250 | 4,511 |
| Average total loans | $45,765,000 | 4,213 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5480% | 4,355 |
| Cost of funding earning assets | 0.6532% | 2,676 |
| Net interest margin | 2.8947% | 4,316 |
| Noninterest income to average assets | 0.3036% | 3,645 |
| Noninterest expense to average assets | 3.3648% | 901 |
| Loan and lease loss provision to assets | 0.0470% | 3,713 |
| Net operating income to assets | -0.3756% | 4,897 |
| Return on assets (ROA) | -0.3756% | 4,896 |
| Pretax return on assets | -0.3756% | 4,877 |
| Return on Equity (ROE) | -3.2497% | 4,899 |
| Retained earnings to average equity (ytd only) | -3.2497% | 4,673 |
| Net charge-offs to loans | 0.1227% | 1,109 |
| Credit loss provision to net charge-offs | 53.5714% | 2,606 |
| Earnings coverage of net charge-offs (x) | -3.7500% | 2,972 |
| Efficiency ratio | 110.8247% | 114 |
| Assets per employee ($millions) | 3.6858% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4063% | 4,906 |
| Loan loss allowance to noncurrent loans | 59.3548% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 2,278 |
| Noncurrent loans to loans | 0.6845% | 2,162 |
| Net loans and leases to total assets | 67.9810% | 2,357 |
| Net loans and leases to deposits | 76.7106% | 2,785 |
| Net loans and leases to core deposits | 77.5348% | 3,150 |
| Total domestic deposits to total assets | 88.6201% | 898 |
| Equity capital to assets | 11.0604% | 2,287 |
| Core capital (leverage) ratio | 11.1963% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,897,333 | 4,482 |
| Average earning assets | $60,316,333 | 4,468 |
| Average equity | $7,385,333 | 4,530 |
| Average total loans | $45,639,000 | 4,227 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 4,199 |
| Cost of funding earning assets | 0.6889% | 2,980 |
| Net interest margin | 3.1272% | 4,038 |
| Noninterest income to average assets | 0.3000% | 3,715 |
| Noninterest expense to average assets | 3.4783% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2234% | 4,862 |
| Return on assets (ROA) | -0.2234% | 4,836 |
| Pretax return on assets | -0.2234% | 4,821 |
| Return on Equity (ROE) | -1.8896% | 4,833 |
| Retained earnings to average equity (ytd only) | -1.8896% | 4,236 |
| Net charge-offs to loans | -0.1222% | 4,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8627% | 163 |
| Assets per employee ($millions) | 3.5053% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4654% | 4,903 |
| Loan loss allowance to noncurrent loans | 49.1841% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 1,964 |
| Noncurrent loans to loans | 0.9463% | 1,740 |
| Net loans and leases to total assets | 71.5160% | 1,999 |
| Net loans and leases to deposits | 81.1317% | 2,566 |
| Net loans and leases to core deposits | 81.5849% | 3,054 |
| Total domestic deposits to total assets | 88.1480% | 1,042 |
| Equity capital to assets | 11.6602% | 2,321 |
| Core capital (leverage) ratio | 11.8293% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4220% | 376 |
| Memoranda: | ||
| Average total assets | $62,673,500 | 4,518 |
| Average earning assets | $59,221,500 | 4,499 |
| Average equity | $7,409,000 | 4,563 |
| Average total loans | $45,815,500 | 4,232 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 4,207 |
| Cost of funding earning assets | 0.6461% | 3,430 |
| Net interest margin | 3.3758% | 3,807 |
| Noninterest income to average assets | 0.3299% | 3,730 |
| Noninterest expense to average assets | 3.2896% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1811% | 4,854 |
| Return on assets (ROA) | 0.1811% | 4,875 |
| Pretax return on assets | 0.2345% | 4,864 |
| Return on Equity (ROE) | 1.5153% | 4,859 |
| Retained earnings to average equity (ytd only) | 1.5153% | 4,196 |
| Net charge-offs to loans | -0.0223% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3456% | 257 |
| Assets per employee ($millions) | 3.6619% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4255% | 4,967 |
| Loan loss allowance to noncurrent loans | 37.0998% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 1,507 |
| Noncurrent loans to loans | 1.1469% | 1,316 |
| Net loans and leases to total assets | 74.0538% | 1,742 |
| Net loans and leases to deposits | 84.3673% | 2,298 |
| Net loans and leases to core deposits | 84.8440% | 2,884 |
| Total domestic deposits to total assets | 87.7755% | 1,240 |
| Equity capital to assets | 11.9852% | 2,141 |
| Core capital (leverage) ratio | 11.9083% | 1,837 |
| Tier 1 risk-based capital ratio | 25.8182% | 693 |
| Total risk-based capital ratio | 26.5012% | 718 |
| Memoranda: | ||
| Average total assets | $61,830,800 | 4,567 |
| Average earning assets | $58,504,000 | 4,547 |
| Average equity | $7,391,200 | 4,590 |
| Average total loans | $44,893,200 | 4,285 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 4,250 |
| Cost of funding earning assets | 0.6301% | 3,534 |
| Net interest margin | 3.4220% | 3,804 |
| Noninterest income to average assets | 0.3327% | 3,755 |
| Noninterest expense to average assets | 3.3092% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2074% | 4,945 |
| Return on assets (ROA) | 0.2074% | 4,960 |
| Pretax return on assets | 0.2614% | 4,938 |
| Return on Equity (ROE) | 1.7359% | 4,931 |
| Retained earnings to average equity (ytd only) | 1.7359% | 4,354 |
| Net charge-offs to loans | -0.0269% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6800% | 254 |
| Assets per employee ($millions) | 3.6675% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4209% | 5,046 |
| Loan loss allowance to noncurrent loans | 51.9894% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 2,184 |
| Noncurrent loans to loans | 0.8096% | 1,945 |
| Net loans and leases to total assets | 74.3757% | 1,734 |
| Net loans and leases to deposits | 84.6851% | 2,354 |
| Net loans and leases to core deposits | 85.1610% | 2,977 |
| Total domestic deposits to total assets | 87.8262% | 1,118 |
| Equity capital to assets | 11.9316% | 2,309 |
| Core capital (leverage) ratio | 12.0163% | 1,836 |
| Tier 1 risk-based capital ratio | 25.4216% | 745 |
| Total risk-based capital ratio | 26.0922% | 763 |
| Memoranda: | ||
| Average total assets | $61,725,500 | 4,628 |
| Average earning assets | $58,405,250 | 4,602 |
| Average equity | $7,373,750 | 4,645 |
| Average total loans | $44,542,250 | 4,347 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 4,208 |
| Cost of funding earning assets | 0.6155% | 3,572 |
| Net interest margin | 3.4661% | 3,700 |
| Noninterest income to average assets | 0.3251% | 3,768 |
| Noninterest expense to average assets | 3.3388% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2081% | 4,986 |
| Return on assets (ROA) | 0.2081% | 4,994 |
| Pretax return on assets | 0.2633% | 4,970 |
| Return on Equity (ROE) | 1.7410% | 4,973 |
| Retained earnings to average equity (ytd only) | 1.7410% | 4,192 |
| Net charge-offs to loans | -0.0228% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6895% | 266 |
| Assets per employee ($millions) | 3.2586% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4367% | 5,076 |
| Loan loss allowance to noncurrent loans | 49.7409% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 2,160 |
| Noncurrent loans to loans | 0.8780% | 1,848 |
| Net loans and leases to total assets | 70.6948% | 2,437 |
| Net loans and leases to deposits | 80.4892% | 2,897 |
| Net loans and leases to core deposits | 80.9416% | 3,346 |
| Total domestic deposits to total assets | 87.8315% | 1,181 |
| Equity capital to assets | 11.9585% | 2,217 |
| Core capital (leverage) ratio | 11.9015% | 1,886 |
| Tier 1 risk-based capital ratio | 26.1660% | 676 |
| Total risk-based capital ratio | 26.8449% | 697 |
| Memoranda: | ||
| Average total assets | $61,518,330 | 4,667 |
| Average earning assets | $58,162,670 | 4,639 |
| Average equity | $7,352,000 | 4,675 |
| Average total loans | $43,867,330 | 4,392 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 4,303 |
| Cost of funding earning assets | 0.6004% | 3,572 |
| Net interest margin | 3.4298% | 3,815 |
| Noninterest income to average assets | 0.3131% | 3,766 |
| Noninterest expense to average assets | 3.3464% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1631% | 5,041 |
| Return on assets (ROA) | 0.1631% | 5,047 |
| Pretax return on assets | 0.2087% | 5,023 |
| Return on Equity (ROE) | 1.3650% | 5,043 |
| Retained earnings to average equity (ytd only) | 1.3650% | 4,238 |
| Net charge-offs to loans | -0.0274% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1284% | 271 |
| Assets per employee ($millions) | 3.2221% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4349% | 5,145 |
| Loan loss allowance to noncurrent loans | 54.1311% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 2,173 |
| Noncurrent loans to loans | 0.8035% | 2,032 |
| Net loans and leases to total assets | 71.0498% | 2,317 |
| Net loans and leases to deposits | 80.8807% | 2,744 |
| Net loans and leases to core deposits | 81.3389% | 3,238 |
| Total domestic deposits to total assets | 87.8453% | 1,421 |
| Equity capital to assets | 11.9897% | 2,026 |
| Core capital (leverage) ratio | 12.0226% | 1,757 |
| Tier 1 risk-based capital ratio | 25.8599% | 697 |
| Total risk-based capital ratio | 26.5275% | 721 |
| Memoranda: | ||
| Average total assets | $61,320,500 | 4,720 |
| Average earning assets | $57,962,000 | 4,693 |
| Average equity | $7,326,000 | 4,709 |
| Average total loans | $43,820,000 | 4,434 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 4,372 |
| Cost of funding earning assets | 0.5719% | 2,908 |
| Net interest margin | 3.2857% | 4,290 |
| Noninterest income to average assets | 0.3215% | 3,951 |
| Noninterest expense to average assets | 3.2451% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1343% | 5,159 |
| Return on assets (ROA) | 0.1343% | 5,153 |
| Pretax return on assets | 0.1823% | 5,128 |
| Return on Equity (ROE) | 1.1521% | 5,146 |
| Retained earnings to average equity (ytd only) | 1.1521% | 4,664 |
| Net charge-offs to loans | 0.0212% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 2,515 |
| Efficiency ratio | 94.6804% | 229 |
| Assets per employee ($millions) | 3.2327% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4254% | 5,190 |
| Loan loss allowance to noncurrent loans | 55.3254% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 2,209 |
| Noncurrent loans to loans | 0.7690% | 2,079 |
| Net loans and leases to total assets | 71.2562% | 2,387 |
| Net loans and leases to deposits | 81.0920% | 2,840 |
| Net loans and leases to core deposits | 81.5468% | 3,298 |
| Total domestic deposits to total assets | 87.8708% | 1,359 |
| Equity capital to assets | 11.9045% | 1,968 |
| Core capital (leverage) ratio | 11.8835% | 1,814 |
| Tier 1 risk-based capital ratio | 25.6774% | 693 |
| Total risk-based capital ratio | 26.3320% | 723 |
| Memoranda: | ||
| Average total assets | $62,524,200 | 4,710 |
| Average earning assets | $59,104,000 | 4,686 |
| Average equity | $7,290,800 | 4,710 |
| Average total loans | $42,396,200 | 4,488 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 4,435 |
| Cost of funding earning assets | 0.5638% | 2,751 |
| Net interest margin | 3.2367% | 4,438 |
| Noninterest income to average assets | 0.3206% | 4,006 |
| Noninterest expense to average assets | 3.2250% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1231% | 5,241 |
| Return on assets (ROA) | 0.1231% | 5,234 |
| Pretax return on assets | 0.1550% | 5,229 |
| Return on Equity (ROE) | 1.0614% | 5,231 |
| Retained earnings to average equity (ytd only) | 1.0614% | 4,842 |
| Net charge-offs to loans | 0.0349% | 2,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 6.6346% | 2,871 |
| Efficiency ratio | 95.4146% | 213 |
| Assets per employee ($millions) | 3.2642% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4294% | 5,258 |
| Loan loss allowance to noncurrent loans | 63.1399% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 2,621 |
| Noncurrent loans to loans | 0.6801% | 2,380 |
| Net loans and leases to total assets | 69.1632% | 2,779 |
| Net loans and leases to deposits | 79.0181% | 3,135 |
| Net loans and leases to core deposits | 79.4558% | 3,539 |
| Total domestic deposits to total assets | 87.5282% | 1,473 |
| Equity capital to assets | 11.7672% | 2,057 |
| Core capital (leverage) ratio | 11.7952% | 1,917 |
| Tier 1 risk-based capital ratio | 26.0617% | 678 |
| Total risk-based capital ratio | 26.7213% | 698 |
| Memoranda: | ||
| Average total assets | $62,799,750 | 4,753 |
| Average earning assets | $59,359,000 | 4,726 |
| Average equity | $7,285,500 | 4,753 |
| Average total loans | $42,006,750 | 4,544 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 4,456 |
| Cost of funding earning assets | 0.5570% | 2,547 |
| Net interest margin | 3.1980% | 4,509 |
| Noninterest income to average assets | 0.3108% | 4,098 |
| Noninterest expense to average assets | 3.1526% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1427% | 5,266 |
| Return on assets (ROA) | 0.1427% | 5,259 |
| Pretax return on assets | 0.1808% | 5,252 |
| Return on Equity (ROE) | 1.2360% | 5,250 |
| Retained earnings to average equity (ytd only) | 1.2360% | 4,708 |
| Net charge-offs to loans | 0.0096% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,554 |
| Efficiency ratio | 94.5766% | 246 |
| Assets per employee ($millions) | 3.2888% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4616% | 5,305 |
| Loan loss allowance to noncurrent loans | 59.6923% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 2,678 |
| Noncurrent loans to loans | 0.7734% | 2,191 |
| Net loans and leases to total assets | 66.9409% | 3,021 |
| Net loans and leases to deposits | 77.0762% | 3,246 |
| Net loans and leases to core deposits | 77.5031% | 3,616 |
| Total domestic deposits to total assets | 86.8503% | 1,903 |
| Equity capital to assets | 11.6630% | 2,083 |
| Core capital (leverage) ratio | 11.6558% | 1,939 |
| Tier 1 risk-based capital ratio | 26.3772% | 645 |
| Total risk-based capital ratio | 27.0785% | 663 |
| Memoranda: | ||
| Average total assets | $63,059,670 | 4,802 |
| Average earning assets | $59,600,000 | 4,774 |
| Average equity | $7,281,330 | 4,803 |
| Average total loans | $41,649,000 | 4,594 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7098% | 4,449 |
| Cost of funding earning assets | 0.5615% | 2,307 |
| Net interest margin | 3.1483% | 4,601 |
| Noninterest income to average assets | 0.3031% | 4,133 |
| Noninterest expense to average assets | 3.1699% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1073% | 5,323 |
| Return on assets (ROA) | 0.1073% | 5,320 |
| Pretax return on assets | 0.1073% | 5,330 |
| Return on Equity (ROE) | 0.9343% | 5,316 |
| Retained earnings to average equity (ytd only) | 0.9343% | 4,643 |
| Net charge-offs to loans | -0.0193% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7245% | 235 |
| Assets per employee ($millions) | 3.2997% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4782% | 5,354 |
| Loan loss allowance to noncurrent loans | 77.6471% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 2,657 |
| Noncurrent loans to loans | 0.6159% | 2,695 |
| Net loans and leases to total assets | 65.7229% | 3,080 |
| Net loans and leases to deposits | 74.8393% | 3,329 |
| Net loans and leases to core deposits | 75.2465% | 3,721 |
| Total domestic deposits to total assets | 87.8188% | 1,715 |
| Equity capital to assets | 11.6102% | 2,052 |
| Core capital (leverage) ratio | 11.5609% | 1,967 |
| Tier 1 risk-based capital ratio | 25.9878% | 687 |
| Total risk-based capital ratio | 26.6957% | 711 |
| Memoranda: | ||
| Average total assets | $63,345,500 | 4,865 |
| Average earning assets | $59,841,000 | 4,831 |
| Average equity | $7,278,000 | 4,854 |
| Average total loans | $41,461,500 | 4,648 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 4,562 |
| Cost of funding earning assets | 0.5879% | 1,689 |
| Net interest margin | 3.0175% | 4,850 |
| Noninterest income to average assets | 0.3018% | 4,298 |
| Noninterest expense to average assets | 3.0070% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0594% | 5,295 |
| Return on assets (ROA) | 0.0594% | 5,302 |
| Pretax return on assets | 0.1439% | 5,355 |
| Return on Equity (ROE) | 0.5230% | 5,306 |
| Retained earnings to average equity (ytd only) | 0.5230% | 4,823 |
| Net charge-offs to loans | -0.0168% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4342% | 260 |
| Assets per employee ($millions) | 3.3682% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4721% | 5,421 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 2,671 |
| Noncurrent loans to loans | 0.5395% | 2,881 |
| Net loans and leases to total assets | 64.5728% | 3,286 |
| Net loans and leases to deposits | 73.0196% | 3,597 |
| Net loans and leases to core deposits | 73.4049% | 3,931 |
| Total domestic deposits to total assets | 88.4321% | 1,280 |
| Equity capital to assets | 11.3710% | 2,308 |
| Core capital (leverage) ratio | 11.2693% | 2,114 |
| Tier 1 risk-based capital ratio | 26.0014% | 665 |
| Total risk-based capital ratio | 26.7042% | 683 |
| Memoranda: | ||
| Average total assets | $63,950,000 | 4,880 |
| Average earning assets | $60,381,400 | 4,847 |
| Average equity | $7,266,400 | 4,901 |
| Average total loans | $41,732,600 | 4,674 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 4,559 |
| Cost of funding earning assets | 0.5897% | 1,608 |
| Net interest margin | 3.0105% | 4,890 |
| Noninterest income to average assets | 0.2982% | 4,398 |
| Noninterest expense to average assets | 2.9986% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1168% | 5,429 |
| Return on assets (ROA) | 0.1168% | 5,439 |
| Pretax return on assets | 0.1418% | 5,432 |
| Return on Equity (ROE) | 1.0278% | 5,428 |
| Retained earnings to average equity (ytd only) | 1.0278% | 4,967 |
| Net charge-offs to loans | -0.0160% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4847% | 257 |
| Assets per employee ($millions) | 3.4016% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4716% | 5,503 |
| Loan loss allowance to noncurrent loans | 79.1837% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 2,771 |
| Noncurrent loans to loans | 0.5956% | 2,926 |
| Net loans and leases to total assets | 63.3467% | 3,510 |
| Net loans and leases to deposits | 71.5852% | 3,817 |
| Net loans and leases to core deposits | 71.9576% | 4,133 |
| Total domestic deposits to total assets | 88.4914% | 1,128 |
| Equity capital to assets | 11.3043% | 2,571 |
| Core capital (leverage) ratio | 11.2899% | 2,191 |
| Tier 1 risk-based capital ratio | 27.6073% | 584 |
| Total risk-based capital ratio | 28.3441% | 605 |
| Memoranda: | ||
| Average total assets | $63,938,500 | 4,934 |
| Average earning assets | $60,365,250 | 4,903 |
| Average equity | $7,263,750 | 4,950 |
| Average total loans | $41,785,750 | 4,723 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 4,511 |
| Cost of funding earning assets | 0.5989% | 1,455 |
| Net interest margin | 3.0012% | 4,912 |
| Noninterest income to average assets | 0.2920% | 4,466 |
| Noninterest expense to average assets | 3.0012% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1036% | 5,489 |
| Return on assets (ROA) | 0.1036% | 5,491 |
| Pretax return on assets | 0.1224% | 5,490 |
| Return on Equity (ROE) | 0.9104% | 5,484 |
| Retained earnings to average equity (ytd only) | 0.9104% | 4,865 |
| Net charge-offs to loans | -0.0190% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0804% | 258 |
| Assets per employee ($millions) | 3.4359% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4604% | 5,555 |
| Loan loss allowance to noncurrent loans | 83.5498% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 2,939 |
| Noncurrent loans to loans | 0.5511% | 3,087 |
| Net loans and leases to total assets | 63.9156% | 3,398 |
| Net loans and leases to deposits | 72.0781% | 3,728 |
| Net loans and leases to core deposits | 72.4473% | 4,059 |
| Total domestic deposits to total assets | 88.6755% | 1,113 |
| Equity capital to assets | 11.1499% | 2,656 |
| Core capital (leverage) ratio | 11.3235% | 2,107 |
| Tier 1 risk-based capital ratio | 26.8779% | 611 |
| Total risk-based capital ratio | 27.5938% | 631 |
| Memoranda: | ||
| Average total assets | $63,708,000 | 4,979 |
| Average earning assets | $60,108,330 | 4,946 |
| Average equity | $7,249,670 | 4,973 |
| Average total loans | $42,002,670 | 4,743 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6289% | 4,337 |
| Cost of funding earning assets | 0.6071% | 1,326 |
| Net interest margin | 3.0218% | 4,847 |
| Noninterest income to average assets | 0.3115% | 4,322 |
| Noninterest expense to average assets | 3.1023% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0509% | 5,566 |
| Return on assets (ROA) | 0.0509% | 5,573 |
| Pretax return on assets | 0.0572% | 5,564 |
| Return on Equity (ROE) | 0.4423% | 5,574 |
| Retained earnings to average equity (ytd only) | 0.4423% | 4,819 |
| Net charge-offs to loans | -0.0285% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1891% | 262 |
| Assets per employee ($millions) | 3.3277% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4572% | 5,635 |
| Loan loss allowance to noncurrent loans | 71.3755% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 2,753 |
| Noncurrent loans to loans | 0.6405% | 2,903 |
| Net loans and leases to total assets | 66.1200% | 2,951 |
| Net loans and leases to deposits | 74.7920% | 3,322 |
| Net loans and leases to core deposits | 75.1875% | 3,723 |
| Total domestic deposits to total assets | 88.4051% | 1,484 |
| Equity capital to assets | 11.4478% | 2,218 |
| Core capital (leverage) ratio | 11.5449% | 1,912 |
| Tier 1 risk-based capital ratio | 26.7970% | 639 |
| Total risk-based capital ratio | 27.5096% | 656 |
| Memoranda: | ||
| Average total assets | $62,920,500 | 5,053 |
| Average earning assets | $59,302,000 | 5,019 |
| Average equity | $7,235,000 | 5,021 |
| Average total loans | $42,044,500 | 4,789 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7005% | 4,201 |
| Cost of funding earning assets | 0.6204% | 1,205 |
| Net interest margin | 3.0801% | 4,779 |
| Noninterest income to average assets | 0.2926% | 4,649 |
| Noninterest expense to average assets | 3.0450% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1258% | 5,530 |
| Return on assets (ROA) | 0.1258% | 5,561 |
| Pretax return on assets | 0.1447% | 5,549 |
| Return on Equity (ROE) | 1.1101% | 5,555 |
| Retained earnings to average equity (ytd only) | 1.1101% | 4,860 |
| Net charge-offs to loans | 0.0773% | 2,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.7879% | 3,772 |
| Efficiency ratio | 95.4635% | 327 |
| Assets per employee ($millions) | 3.2955% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4490% | 5,704 |
| Loan loss allowance to noncurrent loans | 54.3103% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 2,383 |
| Noncurrent loans to loans | 0.8268% | 2,457 |
| Net loans and leases to total assets | 66.9217% | 2,942 |
| Net loans and leases to deposits | 75.8316% | 3,334 |
| Net loans and leases to core deposits | 76.2358% | 3,731 |
| Total domestic deposits to total assets | 88.2504% | 1,511 |
| Equity capital to assets | 11.5499% | 2,123 |
| Core capital (leverage) ratio | 11.3797% | 2,023 |
| Tier 1 risk-based capital ratio | 26.6615% | 647 |
| Total risk-based capital ratio | 27.3601% | 671 |
| Memoranda: | ||
| Average total assets | $63,578,800 | 5,061 |
| Average earning assets | $59,803,000 | 5,025 |
| Average equity | $7,206,400 | 5,059 |
| Average total loans | $42,695,800 | 4,794 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 4,223 |
| Cost of funding earning assets | 0.6132% | 1,247 |
| Net interest margin | 3.0949% | 4,786 |
| Noninterest income to average assets | 0.2883% | 4,709 |
| Noninterest expense to average assets | 3.0397% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1274% | 5,590 |
| Return on assets (ROA) | 0.1274% | 5,644 |
| Pretax return on assets | 0.1588% | 5,614 |
| Return on Equity (ROE) | 1.1296% | 5,631 |
| Retained earnings to average equity (ytd only) | 1.1296% | 5,050 |
| Net charge-offs to loans | 0.1027% | 1,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.3030% | 3,587 |
| Efficiency ratio | 95.0359% | 349 |
| Assets per employee ($millions) | 3.3632% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4475% | 5,769 |
| Loan loss allowance to noncurrent loans | 50.1326% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 2,441 |
| Noncurrent loans to loans | 0.8926% | 2,472 |
| Net loans and leases to total assets | 65.8002% | 3,156 |
| Net loans and leases to deposits | 74.3852% | 3,560 |
| Net loans and leases to core deposits | 74.7715% | 3,942 |
| Total domestic deposits to total assets | 88.4587% | 1,165 |
| Equity capital to assets | 11.3269% | 2,677 |
| Core capital (leverage) ratio | 11.1911% | 2,276 |
| Tier 1 risk-based capital ratio | 26.0435% | 714 |
| Total risk-based capital ratio | 26.7277% | 746 |
| Memoranda: | ||
| Average total assets | $63,819,750 | 5,102 |
| Average earning assets | $60,011,250 | 5,063 |
| Average equity | $7,200,000 | 5,108 |
| Average total loans | $42,846,750 | 4,832 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,086 |
| Cost of funding earning assets | 0.6108% | 1,242 |
| Net interest margin | 3.1509% | 4,688 |
| Noninterest income to average assets | 0.2884% | 4,721 |
| Noninterest expense to average assets | 3.0317% | 2,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1630% | 5,590 |
| Return on assets (ROA) | 0.1630% | 5,640 |
| Pretax return on assets | 0.2163% | 5,603 |
| Return on Equity (ROE) | 1.4470% | 5,619 |
| Retained earnings to average equity (ytd only) | 1.4470% | 4,797 |
| Net charge-offs to loans | 0.1022% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.1364% | 3,164 |
| Efficiency ratio | 93.3398% | 436 |
| Assets per employee ($millions) | 3.3822% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4717% | 5,828 |
| Loan loss allowance to noncurrent loans | 67.5676% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 2,817 |
| Noncurrent loans to loans | 0.6981% | 2,986 |
| Net loans and leases to total assets | 65.6687% | 3,126 |
| Net loans and leases to deposits | 74.1574% | 3,577 |
| Net loans and leases to core deposits | 74.5399% | 3,939 |
| Total domestic deposits to total assets | 88.5531% | 1,140 |
| Equity capital to assets | 11.2477% | 2,799 |
| Core capital (leverage) ratio | 11.1898% | 2,246 |
| Tier 1 risk-based capital ratio | 25.8919% | 732 |
| Total risk-based capital ratio | 26.6126% | 763 |
| Memoranda: | ||
| Average total assets | $63,792,670 | 5,153 |
| Average earning assets | $59,920,330 | 5,113 |
| Average equity | $7,187,330 | 5,162 |
| Average total loans | $43,050,330 | 4,862 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 3,921 |
| Cost of funding earning assets | 0.6030% | 1,312 |
| Net interest margin | 3.2028% | 4,568 |
| Noninterest income to average assets | 0.2895% | 4,654 |
| Noninterest expense to average assets | 3.0397% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1951% | 5,532 |
| Return on assets (ROA) | 0.1951% | 5,591 |
| Pretax return on assets | 0.2580% | 5,568 |
| Return on Equity (ROE) | 1.7302% | 5,565 |
| Retained earnings to average equity (ytd only) | 1.7302% | 4,578 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1756% | 538 |
| Assets per employee ($millions) | 3.3591% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5157% | 5,851 |
| Loan loss allowance to noncurrent loans | 59.6774% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 2,352 |
| Noncurrent loans to loans | 0.8642% | 2,683 |
| Net loans and leases to total assets | 67.1012% | 2,797 |
| Net loans and leases to deposits | 75.7768% | 3,244 |
| Net loans and leases to core deposits | 76.1690% | 3,666 |
| Total domestic deposits to total assets | 88.5511% | 1,331 |
| Equity capital to assets | 11.2875% | 2,643 |
| Core capital (leverage) ratio | 11.3315% | 2,113 |
| Tier 1 risk-based capital ratio | 25.1819% | 794 |
| Total risk-based capital ratio | 25.9624% | 824 |
| Memoranda: | ||
| Average total assets | $63,558,000 | 5,205 |
| Average earning assets | $59,697,500 | 5,169 |
| Average equity | $7,167,000 | 5,196 |
| Average total loans | $43,375,500 | 4,883 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,532 |
| Cost of funding earning assets | 0.6643% | 992 |
| Net interest margin | 3.2850% | 4,353 |
| Noninterest income to average assets | 0.2818% | 4,868 |
| Noninterest expense to average assets | 2.9622% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3382% | 5,245 |
| Return on assets (ROA) | 0.3382% | 5,336 |
| Pretax return on assets | 0.4165% | 5,288 |
| Return on Equity (ROE) | 3.0713% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.0713% | 3,872 |
| Net charge-offs to loans | 0.1031% | 2,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.7826% | 3,329 |
| Efficiency ratio | 87.6738% | 853 |
| Assets per employee ($millions) | 3.3312% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5080% | 5,913 |
| Loan loss allowance to noncurrent loans | 82.2222% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 2,783 |
| Noncurrent loans to loans | 0.6178% | 3,327 |
| Net loans and leases to total assets | 68.6980% | 2,589 |
| Net loans and leases to deposits | 77.5892% | 3,090 |
| Net loans and leases to core deposits | 77.9928% | 3,548 |
| Total domestic deposits to total assets | 88.5406% | 1,357 |
| Equity capital to assets | 11.2651% | 2,571 |
| Core capital (leverage) ratio | 11.2437% | 2,163 |
| Tier 1 risk-based capital ratio | 24.8096% | 831 |
| Total risk-based capital ratio | 25.5817% | 868 |
| Memoranda: | ||
| Average total assets | $63,870,400 | 5,227 |
| Average earning assets | $60,213,800 | 5,180 |
| Average equity | $7,032,800 | 5,233 |
| Average total loans | $44,616,600 | 4,845 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,507 |
| Cost of funding earning assets | 0.6822% | 926 |
| Net interest margin | 3.2762% | 4,441 |
| Noninterest income to average assets | 0.2708% | 4,997 |
| Noninterest expense to average assets | 2.9305% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2853% | 5,500 |
| Return on assets (ROA) | 0.2853% | 5,573 |
| Pretax return on assets | 0.4311% | 5,396 |
| Return on Equity (ROE) | 2.6063% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.6063% | 4,560 |
| Net charge-offs to loans | 0.0832% | 2,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.3932% | 2,919 |
| Efficiency ratio | 87.1747% | 921 |
| Assets per employee ($millions) | 3.3533% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5351% | 5,983 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 2,691 |
| Noncurrent loans to loans | 0.8918% | 2,746 |
| Net loans and leases to total assets | 70.0229% | 2,381 |
| Net loans and leases to deposits | 79.0912% | 2,982 |
| Net loans and leases to core deposits | 79.9129% | 3,434 |
| Total domestic deposits to total assets | 88.5343% | 1,284 |
| Equity capital to assets | 11.1360% | 2,869 |
| Core capital (leverage) ratio | 11.0502% | 2,434 |
| Tier 1 risk-based capital ratio | 24.1897% | 932 |
| Total risk-based capital ratio | 25.0129% | 958 |
| Memoranda: | ||
| Average total assets | $64,014,750 | 5,285 |
| Average earning assets | $60,393,750 | 5,239 |
| Average equity | $7,008,500 | 5,310 |
| Average total loans | $44,845,000 | 4,885 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 3,467 |
| Cost of funding earning assets | 0.6974% | 852 |
| Net interest margin | 3.2589% | 4,460 |
| Noninterest income to average assets | 0.2589% | 5,102 |
| Noninterest expense to average assets | 2.9197% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2745% | 5,519 |
| Return on assets (ROA) | 0.2745% | 5,602 |
| Pretax return on assets | 0.4149% | 5,437 |
| Return on Equity (ROE) | 2.5216% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.5216% | 4,447 |
| Net charge-offs to loans | 0.0937% | 2,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,797 |
| Efficiency ratio | 87.5585% | 935 |
| Assets per employee ($millions) | 3.3317% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5522% | 6,043 |
| Loan loss allowance to noncurrent loans | 69.3820% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 3,266 |
| Noncurrent loans to loans | 0.7959% | 3,121 |
| Net loans and leases to total assets | 70.2679% | 2,278 |
| Net loans and leases to deposits | 79.2266% | 2,878 |
| Net loans and leases to core deposits | 80.0493% | 3,379 |
| Total domestic deposits to total assets | 88.6923% | 1,302 |
| Equity capital to assets | 11.0802% | 2,809 |
| Core capital (leverage) ratio | 10.9212% | 2,503 |
| Tier 1 risk-based capital ratio | 24.2277% | 933 |
| Total risk-based capital ratio | 25.0822% | 959 |
| Memoranda: | ||
| Average total assets | $64,115,670 | 5,344 |
| Average earning assets | $60,511,330 | 5,296 |
| Average equity | $6,979,670 | 5,364 |
| Average total loans | $44,842,330 | 4,921 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,423 |
| Cost of funding earning assets | 0.7095% | 821 |
| Net interest margin | 3.2389% | 4,458 |
| Noninterest income to average assets | 0.2728% | 4,998 |
| Noninterest expense to average assets | 2.9261% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2666% | 5,515 |
| Return on assets (ROA) | 0.2666% | 5,610 |
| Pretax return on assets | 0.4030% | 5,431 |
| Return on Equity (ROE) | 2.4704% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.4704% | 4,454 |
| Net charge-offs to loans | 0.1247% | 1,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.6429% | 2,464 |
| Efficiency ratio | 87.8957% | 1,023 |
| Assets per employee ($millions) | 3.3853% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5679% | 6,097 |
| Loan loss allowance to noncurrent loans | 76.2763% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 3,492 |
| Noncurrent loans to loans | 0.7446% | 3,401 |
| Net loans and leases to total assets | 69.1361% | 2,259 |
| Net loans and leases to deposits | 77.7892% | 2,831 |
| Net loans and leases to core deposits | 78.5782% | 3,322 |
| Total domestic deposits to total assets | 88.8761% | 1,346 |
| Equity capital to assets | 10.8969% | 3,093 |
| Core capital (leverage) ratio | 10.8000% | 2,625 |
| Tier 1 risk-based capital ratio | 23.7193% | 1,019 |
| Total risk-based capital ratio | 24.5850% | 1,044 |
| Memoranda: | ||
| Average total assets | $64,522,500 | 5,381 |
| Average earning assets | $60,884,000 | 5,332 |
| Average equity | $6,962,500 | 5,409 |
| Average total loans | $44,899,500 | 4,951 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,854 |
| Cost of funding earning assets | 0.7782% | 726 |
| Net interest margin | 3.1869% | 4,964 |
| Noninterest income to average assets | 0.2764% | 5,139 |
| Noninterest expense to average assets | 2.8327% | 3,373 |
| Loan and lease loss provision to assets | 0.0683% | 3,119 |
| Net operating income to assets | 0.2965% | 5,523 |
| Return on assets (ROA) | 0.2977% | 5,593 |
| Pretax return on assets | 0.3873% | 5,514 |
| Return on Equity (ROE) | 2.9074% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.9074% | 4,172 |
| Net charge-offs to loans | 0.1805% | 2,221 |
| Credit loss provision to net charge-offs | 55.5556% | 3,365 |
| Earnings coverage of net charge-offs (x) | 3.6914% | 3,828 |
| Efficiency ratio | 86.1830% | 1,150 |
| Assets per employee ($millions) | 3.4065% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 6,149 |
| Loan loss allowance to noncurrent loans | 59.1611% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 3,069 |
| Noncurrent loans to loans | 1.0050% | 2,822 |
| Net loans and leases to total assets | 69.2293% | 2,353 |
| Net loans and leases to deposits | 77.6972% | 3,008 |
| Net loans and leases to core deposits | 78.4742% | 3,470 |
| Total domestic deposits to total assets | 89.1014% | 1,180 |
| Equity capital to assets | 10.6854% | 3,254 |
| Core capital (leverage) ratio | 10.6854% | 2,735 |
| Tier 1 risk-based capital ratio | 22.9546% | 1,092 |
| Total risk-based capital ratio | 23.8441% | 1,125 |
| Memoranda: | ||
| Average total assets | $65,838,400 | 5,399 |
| Average earning assets | $62,192,000 | 5,335 |
| Average equity | $6,741,400 | 5,472 |
| Average total loans | $44,884,800 | 5,000 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,986 |
| Cost of funding earning assets | 0.7872% | 740 |
| Net interest margin | 3.1594% | 5,091 |
| Noninterest income to average assets | 0.2743% | 5,247 |
| Noninterest expense to average assets | 2.8232% | 3,373 |
| Loan and lease loss provision to assets | 0.0907% | 2,541 |
| Net operating income to assets | 0.2145% | 5,821 |
| Return on assets (ROA) | 0.2158% | 5,863 |
| Pretax return on assets | 0.3489% | 5,679 |
| Return on Equity (ROE) | 2.1300% | 5,807 |
| Retained earnings to average equity (ytd only) | 2.1300% | 4,989 |
| Net charge-offs to loans | 0.2320% | 1,658 |
| Credit loss provision to net charge-offs | 57.6923% | 2,980 |
| Earnings coverage of net charge-offs (x) | 2.7820% | 3,825 |
| Efficiency ratio | 86.5801% | 1,129 |
| Assets per employee ($millions) | 3.4807% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6017% | 6,221 |
| Loan loss allowance to noncurrent loans | 53.7698% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 3,038 |
| Noncurrent loans to loans | 1.1191% | 2,823 |
| Net loans and leases to total assets | 67.6924% | 2,584 |
| Net loans and leases to deposits | 75.6775% | 3,217 |
| Net loans and leases to core deposits | 76.4111% | 3,698 |
| Total domestic deposits to total assets | 89.4485% | 1,009 |
| Equity capital to assets | 10.2566% | 3,854 |
| Core capital (leverage) ratio | 10.3246% | 3,259 |
| Tier 1 risk-based capital ratio | 22.8125% | 1,146 |
| Total risk-based capital ratio | 23.7179% | 1,177 |
| Memoranda: | ||
| Average total assets | $66,117,000 | 5,452 |
| Average earning assets | $62,499,250 | 5,389 |
| Average equity | $6,697,750 | 5,533 |
| Average total loans | $44,837,000 | 5,055 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 3,875 |
| Cost of funding earning assets | 0.7936% | 736 |
| Net interest margin | 3.1711% | 5,039 |
| Noninterest income to average assets | 0.2753% | 5,224 |
| Noninterest expense to average assets | 2.7922% | 3,538 |
| Loan and lease loss provision to assets | 0.0908% | 2,511 |
| Net operating income to assets | 0.2582% | 5,692 |
| Return on assets (ROA) | 0.2602% | 5,764 |
| Pretax return on assets | 0.3933% | 5,585 |
| Return on Equity (ROE) | 2.5790% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.5790% | 4,562 |
| Net charge-offs to loans | 0.3306% | 1,234 |
| Credit loss provision to net charge-offs | 40.5405% | 2,919 |
| Earnings coverage of net charge-offs (x) | 2.1486% | 3,623 |
| Efficiency ratio | 85.3050% | 1,341 |
| Assets per employee ($millions) | 3.4779% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5841% | 6,328 |
| Loan loss allowance to noncurrent loans | 46.0993% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 3,103 |
| Noncurrent loans to loans | 1.2670% | 2,689 |
| Net loans and leases to total assets | 66.9708% | 2,588 |
| Net loans and leases to deposits | 74.7765% | 3,227 |
| Net loans and leases to core deposits | 75.4973% | 3,675 |
| Total domestic deposits to total assets | 89.5613% | 1,046 |
| Equity capital to assets | 10.2238% | 3,799 |
| Core capital (leverage) ratio | 10.2995% | 3,213 |
| Tier 1 risk-based capital ratio | 23.1088% | 1,097 |
| Total risk-based capital ratio | 23.9916% | 1,131 |
| Memoranda: | ||
| Average total assets | $66,111,670 | 5,502 |
| Average earning assets | $62,501,670 | 5,438 |
| Average equity | $6,669,330 | 5,568 |
| Average total loans | $44,770,000 | 5,086 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,666 |
| Cost of funding earning assets | 0.8124% | 702 |
| Net interest margin | 3.1919% | 4,945 |
| Noninterest income to average assets | 0.2601% | 5,276 |
| Noninterest expense to average assets | 2.7704% | 3,674 |
| Loan and lease loss provision to assets | 0.0907% | 2,406 |
| Net operating income to assets | 0.2743% | 5,587 |
| Return on assets (ROA) | 0.2783% | 5,617 |
| Pretax return on assets | 0.4234% | 5,373 |
| Return on Equity (ROE) | 2.7769% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.7769% | 4,423 |
| Net charge-offs to loans | 0.7127% | 497 |
| Credit loss provision to net charge-offs | 18.7500% | 2,519 |
| Earnings coverage of net charge-offs (x) | 1.0500% | 3,196 |
| Efficiency ratio | 84.5018% | 1,615 |
| Assets per employee ($millions) | 3.4798% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5377% | 6,469 |
| Loan loss allowance to noncurrent loans | 51.3978% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 3,708 |
| Noncurrent loans to loans | 1.0461% | 3,329 |
| Net loans and leases to total assets | 66.8663% | 2,418 |
| Net loans and leases to deposits | 74.5091% | 3,006 |
| Net loans and leases to core deposits | 75.2229% | 3,498 |
| Total domestic deposits to total assets | 89.7424% | 1,213 |
| Equity capital to assets | 10.0625% | 3,773 |
| Core capital (leverage) ratio | 10.2334% | 3,244 |
| Tier 1 risk-based capital ratio | 22.7192% | 1,178 |
| Total risk-based capital ratio | 23.5217% | 1,229 |
| Memoranda: | ||
| Average total assets | $66,127,000 | 5,564 |
| Average earning assets | $62,533,500 | 5,486 |
| Average equity | $6,626,000 | 5,612 |
| Average total loans | $44,897,500 | 5,127 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 3,974 |
| Cost of funding earning assets | 0.8947% | 762 |
| Net interest margin | 3.1369% | 5,206 |
| Noninterest income to average assets | 0.2431% | 5,605 |
| Noninterest expense to average assets | 2.7793% | 3,800 |
| Loan and lease loss provision to assets | 0.0900% | 3,306 |
| Net operating income to assets | 0.2191% | 5,780 |
| Return on assets (ROA) | 0.2191% | 5,837 |
| Pretax return on assets | 0.3362% | 5,633 |
| Return on Equity (ROE) | 2.2044% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.2044% | 4,680 |
| Net charge-offs to loans | -0.0458% | 6,313 |
| Credit loss provision to net charge-offs | -300.0000% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7041% | 1,346 |
| Assets per employee ($millions) | 3.4809% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6704% | 6,390 |
| Loan loss allowance to noncurrent loans | 71.8676% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 4,008 |
| Noncurrent loans to loans | 0.9328% | 3,661 |
| Net loans and leases to total assets | 68.1041% | 2,342 |
| Net loans and leases to deposits | 75.8615% | 2,982 |
| Net loans and leases to core deposits | 76.5838% | 3,544 |
| Total domestic deposits to total assets | 89.7743% | 1,198 |
| Equity capital to assets | 9.9778% | 3,801 |
| Core capital (leverage) ratio | 10.1290% | 3,389 |
| Tier 1 risk-based capital ratio | 22.2433% | 1,219 |
| Total risk-based capital ratio | 23.2526% | 1,236 |
| Memoranda: | ||
| Average total assets | $66,634,400 | 5,577 |
| Average earning assets | $62,928,400 | 5,509 |
| Average equity | $6,623,200 | 5,667 |
| Average total loans | $43,657,400 | 5,209 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 4,049 |
| Cost of funding earning assets | 0.9055% | 793 |
| Net interest margin | 3.1165% | 5,276 |
| Noninterest income to average assets | 0.2517% | 5,632 |
| Noninterest expense to average assets | 2.7561% | 3,810 |
| Loan and lease loss provision to assets | 0.1198% | 2,796 |
| Net operating income to assets | 0.2097% | 5,890 |
| Return on assets (ROA) | 0.2097% | 5,973 |
| Pretax return on assets | 0.3176% | 5,828 |
| Return on Equity (ROE) | 2.1119% | 5,901 |
| Retained earnings to average equity (ytd only) | 2.1119% | 5,052 |
| Net charge-offs to loans | -0.0586% | 6,360 |
| Credit loss provision to net charge-offs | -315.7895% | 5,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3039% | 1,337 |
| Assets per employee ($millions) | 3.4917% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 6,465 |
| Loan loss allowance to noncurrent loans | 55.0909% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 3,710 |
| Noncurrent loans to loans | 1.2349% | 3,342 |
| Net loans and leases to total assets | 66.6777% | 2,527 |
| Net loans and leases to deposits | 74.2713% | 3,198 |
| Net loans and leases to core deposits | 74.9725% | 3,736 |
| Total domestic deposits to total assets | 89.7759% | 1,120 |
| Equity capital to assets | 9.9543% | 3,959 |
| Core capital (leverage) ratio | 10.0387% | 3,626 |
| Tier 1 risk-based capital ratio | 22.3258% | 1,255 |
| Total risk-based capital ratio | 23.3415% | 1,288 |
| Memoranda: | ||
| Average total assets | $66,758,750 | 5,628 |
| Average earning assets | $63,018,750 | 5,561 |
| Average equity | $6,629,250 | 5,736 |
| Average total loans | $43,235,250 | 5,269 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,978 |
| Cost of funding earning assets | 0.9118% | 845 |
| Net interest margin | 3.1249% | 5,205 |
| Noninterest income to average assets | 0.2422% | 5,718 |
| Noninterest expense to average assets | 2.7834% | 3,730 |
| Loan and lease loss provision to assets | 0.1196% | 2,827 |
| Net operating income to assets | 0.1913% | 5,926 |
| Return on assets (ROA) | 0.1913% | 6,045 |
| Pretax return on assets | 0.2900% | 5,903 |
| Return on Equity (ROE) | 1.9284% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.9284% | 5,041 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1723% | 1,307 |
| Assets per employee ($millions) | 3.7030% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6264% | 6,580 |
| Loan loss allowance to noncurrent loans | 51.5625% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 0.8762% | 4,048 |
| Noncurrent loans to loans | 1.2148% | 3,524 |
| Net loans and leases to total assets | 62.8349% | 3,131 |
| Net loans and leases to deposits | 69.9222% | 3,722 |
| Net loans and leases to core deposits | 70.5750% | 4,208 |
| Total domestic deposits to total assets | 89.8641% | 1,110 |
| Equity capital to assets | 9.8689% | 4,098 |
| Core capital (leverage) ratio | 9.9304% | 3,619 |
| Tier 1 risk-based capital ratio | 23.2613% | 1,096 |
| Total risk-based capital ratio | 24.1891% | 1,129 |
| Memoranda: | ||
| Average total assets | $66,897,330 | 5,660 |
| Average earning assets | $63,170,330 | 5,589 |
| Average equity | $6,637,670 | 5,774 |
| Average total loans | $42,800,670 | 5,311 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 3,756 |
| Cost of funding earning assets | 0.9286% | 853 |
| Net interest margin | 3.1648% | 5,044 |
| Noninterest income to average assets | 0.2268% | 5,840 |
| Noninterest expense to average assets | 2.8350% | 3,583 |
| Loan and lease loss provision to assets | 0.1194% | 2,737 |
| Net operating income to assets | 0.1731% | 5,974 |
| Return on assets (ROA) | 0.1731% | 6,074 |
| Pretax return on assets | 0.2626% | 5,924 |
| Return on Equity (ROE) | 1.7398% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.7398% | 5,115 |
| Net charge-offs to loans | 0.0185% | 3,787 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 931 |
| Efficiency ratio | 88.1262% | 1,315 |
| Assets per employee ($millions) | 3.5082% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 6,742 |
| Loan loss allowance to noncurrent loans | 71.8101% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 4,876 |
| Noncurrent loans to loans | 0.7887% | 4,544 |
| Net loans and leases to total assets | 63.7402% | 2,764 |
| Net loans and leases to deposits | 71.0433% | 3,319 |
| Net loans and leases to core deposits | 71.7039% | 3,854 |
| Total domestic deposits to total assets | 89.7202% | 1,216 |
| Equity capital to assets | 10.0188% | 4,127 |
| Core capital (leverage) ratio | 9.8957% | 3,535 |
| Tier 1 risk-based capital ratio | 23.2041% | 1,124 |
| Total risk-based capital ratio | 24.0554% | 1,166 |
| Memoranda: | ||
| Average total assets | $67,019,000 | 5,705 |
| Average earning assets | $63,321,500 | 5,636 |
| Average equity | $6,667,500 | 5,825 |
| Average total loans | $43,128,000 | 5,334 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 3,834 |
| Cost of funding earning assets | 1.1062% | 889 |
| Net interest margin | 3.2869% | 5,295 |
| Noninterest income to average assets | 0.3354% | 5,058 |
| Noninterest expense to average assets | 2.7759% | 4,119 |
| Loan and lease loss provision to assets | 0.1407% | 3,851 |
| Net operating income to assets | 0.2708% | 5,572 |
| Return on assets (ROA) | 0.1213% | 6,106 |
| Pretax return on assets | 0.2860% | 5,843 |
| Return on Equity (ROE) | 1.2322% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.2322% | 5,258 |
| Net charge-offs to loans | 0.1054% | 4,614 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 9.3830% | 2,270 |
| Efficiency ratio | 80.7843% | 2,039 |
| Assets per employee ($millions) | 3.5465% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 6,828 |
| Loan loss allowance to noncurrent loans | 81.4545% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 5,036 |
| Noncurrent loans to loans | 0.6318% | 4,945 |
| Net loans and leases to total assets | 64.2655% | 2,857 |
| Net loans and leases to deposits | 71.4918% | 3,497 |
| Net loans and leases to core deposits | 72.1457% | 4,027 |
| Total domestic deposits to total assets | 89.8921% | 1,014 |
| Equity capital to assets | 9.8793% | 4,338 |
| Core capital (leverage) ratio | 9.7473% | 3,733 |
| Tier 1 risk-based capital ratio | 22.7015% | 1,152 |
| Total risk-based capital ratio | 23.4757% | 1,198 |
| Memoranda: | ||
| Average total assets | $66,788,000 | 5,719 |
| Average earning assets | $63,007,600 | 5,637 |
| Average equity | $6,573,400 | 5,875 |
| Average total loans | $44,610,600 | 5,302 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 3,750 |
| Cost of funding earning assets | 1.1398% | 901 |
| Net interest margin | 3.3303% | 5,279 |
| Noninterest income to average assets | 0.3061% | 5,335 |
| Noninterest expense to average assets | 2.7851% | 4,037 |
| Loan and lease loss provision to assets | 0.1481% | 3,686 |
| Net operating income to assets | 0.3381% | 5,483 |
| Return on assets (ROA) | 0.3381% | 5,681 |
| Pretax return on assets | 0.5122% | 5,428 |
| Return on Equity (ROE) | 3.4388% | 5,516 |
| Retained earnings to average equity (ytd only) | 3.4388% | 4,443 |
| Net charge-offs to loans | -0.0535% | 6,728 |
| Credit loss provision to net charge-offs | -411.1111% | 6,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8362% | 1,967 |
| Assets per employee ($millions) | 3.5175% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6107% | 6,850 |
| Loan loss allowance to noncurrent loans | 53.4791% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 4,330 |
| Noncurrent loans to loans | 1.1419% | 4,150 |
| Net loans and leases to total assets | 65.5090% | 2,737 |
| Net loans and leases to deposits | 73.0073% | 3,448 |
| Net loans and leases to core deposits | 73.6781% | 4,016 |
| Total domestic deposits to total assets | 89.7295% | 982 |
| Equity capital to assets | 9.9563% | 4,558 |
| Core capital (leverage) ratio | 9.8142% | 3,798 |
| Tier 1 risk-based capital ratio | 22.3004% | 1,276 |
| Total risk-based capital ratio | 23.2150% | 1,310 |
| Memoranda: | ||
| Average total assets | $66,639,250 | 5,787 |
| Average earning assets | $62,816,000 | 5,703 |
| Average equity | $6,552,500 | 5,948 |
| Average total loans | $44,881,250 | 5,351 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 3,680 |
| Cost of funding earning assets | 1.1757% | 910 |
| Net interest margin | 3.3456% | 5,283 |
| Noninterest income to average assets | 0.2433% | 5,832 |
| Noninterest expense to average assets | 2.7788% | 4,099 |
| Loan and lease loss provision to assets | 0.1622% | 3,483 |
| Net operating income to assets | 0.3004% | 5,621 |
| Return on assets (ROA) | 0.3004% | 5,822 |
| Pretax return on assets | 0.4566% | 5,560 |
| Return on Equity (ROE) | 3.0681% | 5,670 |
| Retained earnings to average equity (ytd only) | 3.0681% | 4,601 |
| Net charge-offs to loans | -0.0709% | 6,765 |
| Credit loss provision to net charge-offs | -337.5000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7860% | 1,911 |
| Assets per employee ($millions) | 3.5584% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5545% | 6,972 |
| Loan loss allowance to noncurrent loans | 36.6469% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1404% | 4,113 |
| Noncurrent loans to loans | 1.5132% | 3,634 |
| Net loans and leases to total assets | 65.5140% | 2,767 |
| Net loans and leases to deposits | 72.7371% | 3,493 |
| Net loans and leases to core deposits | 73.3915% | 4,113 |
| Total domestic deposits to total assets | 90.0695% | 885 |
| Equity capital to assets | 9.7175% | 4,734 |
| Core capital (leverage) ratio | 9.5918% | 4,015 |
| Tier 1 risk-based capital ratio | 21.0853% | 1,465 |
| Total risk-based capital ratio | 21.8884% | 1,525 |
| Memoranda: | ||
| Average total assets | $66,575,000 | 5,824 |
| Average earning assets | $62,769,000 | 5,744 |
| Average equity | $6,518,670 | 5,979 |
| Average total loans | $45,158,330 | 5,375 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 3,437 |
| Cost of funding earning assets | 1.2342% | 830 |
| Net interest margin | 3.3813% | 5,193 |
| Noninterest income to average assets | 0.2664% | 5,743 |
| Noninterest expense to average assets | 2.8400% | 3,863 |
| Loan and lease loss provision to assets | 0.1817% | 3,155 |
| Net operating income to assets | 0.2846% | 5,706 |
| Return on assets (ROA) | 0.2846% | 5,872 |
| Pretax return on assets | 0.4299% | 5,644 |
| Return on Equity (ROE) | 2.8954% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.8954% | 4,805 |
| Net charge-offs to loans | -0.0264% | 6,291 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2807% | 1,903 |
| Assets per employee ($millions) | 3.5043% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4690% | 7,091 |
| Loan loss allowance to noncurrent loans | 37.5000% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 4,514 |
| Noncurrent loans to loans | 1.2506% | 4,245 |
| Net loans and leases to total assets | 66.9400% | 2,296 |
| Net loans and leases to deposits | 74.3689% | 3,070 |
| Net loans and leases to core deposits | 75.0438% | 3,741 |
| Total domestic deposits to total assets | 90.0108% | 1,079 |
| Equity capital to assets | 9.7909% | 4,392 |
| Core capital (leverage) ratio | 9.6618% | 3,826 |
| Tier 1 risk-based capital ratio | 20.8134% | 1,524 |
| Total risk-based capital ratio | 21.4928% | 1,625 |
| Memoranda: | ||
| Average total assets | $66,057,500 | 5,886 |
| Average earning assets | $62,224,500 | 5,806 |
| Average equity | $6,493,000 | 6,012 |
| Average total loans | $45,467,000 | 5,396 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 3,438 |
| Cost of funding earning assets | 1.4268% | 931 |
| Net interest margin | 3.4561% | 5,301 |
| Noninterest income to average assets | 0.2757% | 5,560 |
| Noninterest expense to average assets | 2.9146% | 3,900 |
| Loan and lease loss provision to assets | 0.2295% | 3,905 |
| Net operating income to assets | 0.2927% | 5,281 |
| Return on assets (ROA) | 0.2927% | 5,436 |
| Pretax return on assets | 0.3743% | 5,370 |
| Return on Equity (ROE) | 2.9853% | 5,289 |
| Retained earnings to average equity (ytd only) | 2.9853% | 4,106 |
| Net charge-offs to loans | 0.4197% | 3,332 |
| Credit loss provision to net charge-offs | 75.2525% | 4,665 |
| Earnings coverage of net charge-offs (x) | 1.9798% | 4,299 |
| Efficiency ratio | 82.8371% | 1,908 |
| Assets per employee ($millions) | 3.4491% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3835% | 7,175 |
| Loan loss allowance to noncurrent loans | 21.5328% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 1.3642% | 3,961 |
| Noncurrent loans to loans | 1.7810% | 3,491 |
| Net loans and leases to total assets | 70.1585% | 2,003 |
| Net loans and leases to deposits | 78.0859% | 2,828 |
| Net loans and leases to core deposits | 78.8033% | 3,589 |
| Total domestic deposits to total assets | 89.8479% | 1,075 |
| Equity capital to assets | 9.8683% | 4,345 |
| Core capital (leverage) ratio | 9.9041% | 3,451 |
| Tier 1 risk-based capital ratio | 21.1940% | 1,378 |
| Total risk-based capital ratio | 21.7718% | 1,486 |
| Memoranda: | ||
| Average total assets | $64,915,600 | 5,901 |
| Average earning assets | $60,906,600 | 5,838 |
| Average equity | $6,364,600 | 6,051 |
| Average total loans | $47,177,400 | 5,375 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 3,304 |
| Cost of funding earning assets | 1.4603% | 990 |
| Net interest margin | 3.4958% | 5,207 |
| Noninterest income to average assets | 0.2779% | 5,626 |
| Noninterest expense to average assets | 2.9420% | 3,768 |
| Loan and lease loss provision to assets | 0.1832% | 4,203 |
| Net operating income to assets | 0.2841% | 5,453 |
| Return on assets (ROA) | 0.2841% | 5,620 |
| Pretax return on assets | 0.4303% | 5,374 |
| Return on Equity (ROE) | 2.9027% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.9027% | 4,621 |
| Net charge-offs to loans | 0.5397% | 2,619 |
| Credit loss provision to net charge-offs | 46.3542% | 5,111 |
| Earnings coverage of net charge-offs (x) | 1.5521% | 4,474 |
| Efficiency ratio | 82.7446% | 1,877 |
| Assets per employee ($millions) | 3.4431% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2612% | 7,307 |
| Loan loss allowance to noncurrent loans | 22.8625% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 4,890 |
| Noncurrent loans to loans | 1.1426% | 4,631 |
| Net loans and leases to total assets | 71.7880% | 1,761 |
| Net loans and leases to deposits | 79.9234% | 2,663 |
| Net loans and leases to core deposits | 80.6550% | 3,541 |
| Total domestic deposits to total assets | 89.8210% | 963 |
| Equity capital to assets | 9.8167% | 4,605 |
| Core capital (leverage) ratio | 9.8443% | 3,655 |
| Tier 1 risk-based capital ratio | 20.6217% | 1,535 |
| Total risk-based capital ratio | 21.0154% | 1,715 |
| Memoranda: | ||
| Average total assets | $64,761,250 | 5,947 |
| Average earning assets | $60,718,000 | 5,880 |
| Average equity | $6,339,000 | 6,099 |
| Average total loans | $47,433,250 | 5,408 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 3,234 |
| Cost of funding earning assets | 1.5049% | 991 |
| Net interest margin | 3.4795% | 5,251 |
| Noninterest income to average assets | 0.2727% | 5,693 |
| Noninterest expense to average assets | 2.9035% | 4,009 |
| Loan and lease loss provision to assets | 0.1549% | 4,376 |
| Net operating income to assets | 0.3130% | 5,320 |
| Return on assets (ROA) | 0.3130% | 5,460 |
| Pretax return on assets | 0.4741% | 5,160 |
| Return on Equity (ROE) | 3.2006% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.2006% | 4,234 |
| Net charge-offs to loans | 0.5552% | 2,439 |
| Credit loss provision to net charge-offs | 37.8788% | 4,853 |
| Earnings coverage of net charge-offs (x) | 1.5379% | 4,136 |
| Efficiency ratio | 82.1930% | 2,073 |
| Assets per employee ($millions) | 3.4105% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3018% | 7,347 |
| Loan loss allowance to noncurrent loans | 26.0870% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 4,989 |
| Noncurrent loans to loans | 1.1571% | 4,728 |
| Net loans and leases to total assets | 73.3981% | 1,517 |
| Net loans and leases to deposits | 81.6683% | 2,497 |
| Net loans and leases to core deposits | 82.4184% | 3,445 |
| Total domestic deposits to total assets | 89.8735% | 1,030 |
| Equity capital to assets | 9.8364% | 4,351 |
| Core capital (leverage) ratio | 9.8795% | 3,410 |
| Tier 1 risk-based capital ratio | 20.3443% | 1,546 |
| Total risk-based capital ratio | 20.8017% | 1,678 |
| Memoranda: | ||
| Average total assets | $64,542,000 | 5,999 |
| Average earning assets | $60,467,670 | 5,942 |
| Average equity | $6,311,330 | 6,139 |
| Average total loans | $47,549,000 | 5,457 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 3,082 |
| Cost of funding earning assets | 1.5384% | 1,024 |
| Net interest margin | 3.4680% | 5,152 |
| Noninterest income to average assets | 0.2608% | 5,798 |
| Noninterest expense to average assets | 2.9559% | 3,835 |
| Loan and lease loss provision to assets | 0.0621% | 5,217 |
| Net operating income to assets | 0.3229% | 5,297 |
| Return on assets (ROA) | 0.3229% | 5,375 |
| Pretax return on assets | 0.4906% | 5,058 |
| Return on Equity (ROE) | 3.3121% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.3121% | 4,198 |
| Net charge-offs to loans | 0.0253% | 4,735 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 836 |
| Efficiency ratio | 84.2478% | 1,925 |
| Assets per employee ($millions) | 3.4058% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4919% | 7,288 |
| Loan loss allowance to noncurrent loans | 46.6000% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 5,083 |
| Noncurrent loans to loans | 1.0557% | 4,941 |
| Net loans and leases to total assets | 72.8326% | 1,545 |
| Net loans and leases to deposits | 80.9085% | 2,543 |
| Net loans and leases to core deposits | 81.6457% | 3,505 |
| Total domestic deposits to total assets | 90.0185% | 1,141 |
| Equity capital to assets | 9.7435% | 4,116 |
| Core capital (leverage) ratio | 9.8145% | 3,370 |
| Tier 1 risk-based capital ratio | 19.9799% | 1,595 |
| Total risk-based capital ratio | 20.7123% | 1,672 |
| Memoranda: | ||
| Average total assets | $64,413,000 | 6,050 |
| Average earning assets | $60,323,000 | 5,985 |
| Average equity | $6,280,000 | 6,161 |
| Average total loans | $47,470,500 | 5,500 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4860% | 2,346 |
| Cost of funding earning assets | 1.8113% | 1,124 |
| Net interest margin | 3.6747% | 4,471 |
| Noninterest income to average assets | 0.2770% | 5,795 |
| Noninterest expense to average assets | 3.0540% | 3,650 |
| Loan and lease loss provision to assets | 0.0648% | 6,496 |
| Net operating income to assets | 0.4131% | 4,486 |
| Return on assets (ROA) | 0.4131% | 4,622 |
| Pretax return on assets | 0.5800% | 4,385 |
| Return on Equity (ROE) | 4.1527% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.1527% | 2,942 |
| Net charge-offs to loans | 0.1119% | 5,758 |
| Credit loss provision to net charge-offs | 74.0741% | 5,760 |
| Earnings coverage of net charge-offs (x) | 7.3704% | 2,146 |
| Efficiency ratio | 82.5668% | 2,096 |
| Assets per employee ($millions) | 3.3745% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4750% | 7,379 |
| Loan loss allowance to noncurrent loans | 45.6566% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 4,995 |
| Noncurrent loans to loans | 1.0404% | 4,990 |
| Net loans and leases to total assets | 73.8536% | 1,688 |
| Net loans and leases to deposits | 82.0204% | 2,802 |
| Net loans and leases to core deposits | 82.7702% | 3,781 |
| Total domestic deposits to total assets | 90.0430% | 1,076 |
| Equity capital to assets | 9.7558% | 4,044 |
| Core capital (leverage) ratio | 9.8247% | 3,288 |
| Tier 1 risk-based capital ratio | 19.8102% | 1,521 |
| Total risk-based capital ratio | 20.5204% | 1,622 |
| Memoranda: | ||
| Average total assets | $61,722,600 | 6,138 |
| Average earning assets | $57,473,600 | 6,081 |
| Average equity | $6,140,600 | 6,323 |
| Average total loans | $48,244,600 | 5,551 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5930% | 2,092 |
| Cost of funding earning assets | 1.8651% | 1,152 |
| Net interest margin | 3.7279% | 4,277 |
| Noninterest income to average assets | 0.2792% | 5,872 |
| Noninterest expense to average assets | 3.0669% | 3,501 |
| Loan and lease loss provision to assets | 0.0545% | 6,524 |
| Net operating income to assets | 0.4166% | 4,673 |
| Return on assets (ROA) | 0.4166% | 4,850 |
| Pretax return on assets | 0.6238% | 4,514 |
| Return on Equity (ROE) | 4.1666% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.1666% | 3,545 |
| Net charge-offs to loans | 0.1129% | 5,408 |
| Credit loss provision to net charge-offs | 60.9756% | 5,662 |
| Earnings coverage of net charge-offs (x) | 7.5848% | 2,303 |
| Efficiency ratio | 81.8870% | 2,071 |
| Assets per employee ($millions) | 3.2895% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5254% | 7,431 |
| Loan loss allowance to noncurrent loans | 47.2119% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 4,690 |
| Noncurrent loans to loans | 1.1129% | 5,018 |
| Net loans and leases to total assets | 76.9364% | 1,232 |
| Net loans and leases to deposits | 85.8679% | 2,374 |
| Net loans and leases to core deposits | 86.2839% | 3,610 |
| Total domestic deposits to total assets | 89.5986% | 1,072 |
| Equity capital to assets | 9.9422% | 4,232 |
| Core capital (leverage) ratio | 9.9797% | 3,279 |
| Tier 1 risk-based capital ratio | 18.8708% | 1,782 |
| Total risk-based capital ratio | 19.6389% | 1,868 |
| Memoranda: | ||
| Average total assets | $61,124,250 | 6,225 |
| Average earning assets | $56,831,750 | 6,172 |
| Average equity | $6,112,000 | 6,414 |
| Average total loans | $48,411,250 | 5,622 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6363% | 1,996 |
| Cost of funding earning assets | 1.9036% | 1,226 |
| Net interest margin | 3.7327% | 4,221 |
| Noninterest income to average assets | 0.2835% | 5,872 |
| Noninterest expense to average assets | 3.0759% | 3,409 |
| Loan and lease loss provision to assets | 0.0495% | 6,473 |
| Net operating income to assets | 0.4385% | 4,588 |
| Return on assets (ROA) | 0.4385% | 4,745 |
| Pretax return on assets | 0.6297% | 4,478 |
| Return on Equity (ROE) | 4.3764% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.3764% | 3,290 |
| Net charge-offs to loans | 0.1734% | 4,573 |
| Credit loss provision to net charge-offs | 35.7143% | 5,662 |
| Earnings coverage of net charge-offs (x) | 4.9048% | 2,810 |
| Efficiency ratio | 81.9140% | 2,180 |
| Assets per employee ($millions) | 3.2541% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 7,506 |
| Loan loss allowance to noncurrent loans | 45.0000% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.3214% | 4,510 |
| Noncurrent loans to loans | 1.1142% | 5,095 |
| Net loans and leases to total assets | 77.9954% | 1,114 |
| Net loans and leases to deposits | 86.9933% | 2,335 |
| Net loans and leases to core deposits | 87.4159% | 3,634 |
| Total domestic deposits to total assets | 89.6568% | 1,093 |
| Equity capital to assets | 9.9567% | 4,068 |
| Core capital (leverage) ratio | 9.9945% | 3,170 |
| Tier 1 risk-based capital ratio | 18.5506% | 1,820 |
| Total risk-based capital ratio | 19.2798% | 1,920 |
| Memoranda: | ||
| Average total assets | $60,665,330 | 6,279 |
| Average earning assets | $56,420,000 | 6,224 |
| Average equity | $6,078,000 | 6,448 |
| Average total loans | $48,435,000 | 5,669 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7095% | 1,738 |
| Cost of funding earning assets | 1.9557% | 1,227 |
| Net interest margin | 3.7538% | 3,989 |
| Noninterest income to average assets | 0.2796% | 5,906 |
| Noninterest expense to average assets | 3.1556% | 3,029 |
| Loan and lease loss provision to assets | 0.0333% | 6,342 |
| Net operating income to assets | 0.4594% | 4,576 |
| Return on assets (ROA) | 0.4594% | 4,697 |
| Pretax return on assets | 0.5792% | 4,687 |
| Return on Equity (ROE) | 4.5703% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.5703% | 3,407 |
| Net charge-offs to loans | 0.2974% | 3,224 |
| Credit loss provision to net charge-offs | 13.8889% | 5,010 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 3,266 |
| Efficiency ratio | 83.7456% | 2,045 |
| Assets per employee ($millions) | 3.1960% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4980% | 7,589 |
| Loan loss allowance to noncurrent loans | 44.5896% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.3603% | 4,472 |
| Noncurrent loans to loans | 1.1169% | 5,127 |
| Net loans and leases to total assets | 78.6328% | 1,034 |
| Net loans and leases to deposits | 87.6820% | 2,283 |
| Net loans and leases to core deposits | 88.1124% | 3,611 |
| Total domestic deposits to total assets | 89.6795% | 1,148 |
| Equity capital to assets | 10.0092% | 3,862 |
| Core capital (leverage) ratio | 10.0685% | 3,079 |
| Tier 1 risk-based capital ratio | 18.7807% | 1,776 |
| Total risk-based capital ratio | 19.5144% | 1,855 |
| Memoranda: | ||
| Average total assets | $60,084,000 | 6,378 |
| Average earning assets | $55,837,000 | 6,332 |
| Average equity | $6,039,000 | 6,506 |
| Average total loans | $48,419,500 | 5,740 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0882% | 1,552 |
| Cost of funding earning assets | 2.2488% | 1,843 |
| Net interest margin | 3.8394% | 3,532 |
| Noninterest income to average assets | 0.2987% | 5,960 |
| Noninterest expense to average assets | 3.2773% | 3,090 |
| Loan and lease loss provision to assets | 0.3677% | 4,589 |
| Net operating income to assets | 0.0336% | 5,386 |
| Return on assets (ROA) | 0.0336% | 5,436 |
| Pretax return on assets | 0.2210% | 4,958 |
| Return on Equity (ROE) | 0.3147% | 5,435 |
| Retained earnings to average equity (ytd only) | 0.3147% | 4,732 |
| Net charge-offs to loans | 0.1809% | 5,513 |
| Credit loss provision to net charge-offs | 244.7059% | 1,455 |
| Earnings coverage of net charge-offs (x) | 3.9176% | 3,143 |
| Efficiency ratio | 84.7737% | 2,262 |
| Assets per employee ($millions) | 3.1286% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 7,561 |
| Loan loss allowance to noncurrent loans | 42.7099% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 1.3475% | 4,405 |
| Noncurrent loans to loans | 1.3899% | 4,595 |
| Net loans and leases to total assets | 81.6920% | 736 |
| Net loans and leases to deposits | 91.1516% | 2,023 |
| Net loans and leases to core deposits | 98.7735% | 4,140 |
| Total domestic deposits to total assets | 89.6222% | 1,144 |
| Equity capital to assets | 10.0935% | 3,629 |
| Core capital (leverage) ratio | 10.1676% | 2,927 |
| Tier 1 risk-based capital ratio | 18.3682% | 1,784 |
| Total risk-based capital ratio | 19.2488% | 1,859 |
| Memoranda: | ||
| Average total assets | $56,571,800 | 6,473 |
| Average earning assets | $52,560,800 | 6,434 |
| Average equity | $6,038,200 | 6,590 |
| Average total loans | $46,975,200 | 5,809 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1771% | 1,427 |
| Cost of funding earning assets | 2.2869% | 2,033 |
| Net interest margin | 3.8903% | 3,267 |
| Noninterest income to average assets | 0.2984% | 6,088 |
| Noninterest expense to average assets | 3.2608% | 3,077 |
| Loan and lease loss provision to assets | 0.1743% | 5,620 |
| Net operating income to assets | 0.3318% | 4,672 |
| Return on assets (ROA) | 0.3318% | 4,777 |
| Pretax return on assets | 0.4774% | 4,587 |
| Return on Equity (ROE) | 3.0644% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.0644% | 3,608 |
| Net charge-offs to loans | 0.2007% | 4,801 |
| Credit loss provision to net charge-offs | 104.2857% | 4,874 |
| Earnings coverage of net charge-offs (x) | 3.9000% | 3,344 |
| Efficiency ratio | 83.3435% | 2,381 |
| Assets per employee ($millions) | 3.1893% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3507% | 7,870 |
| Loan loss allowance to noncurrent loans | 80.1887% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 6,000 |
| Noncurrent loans to loans | 0.4373% | 6,457 |
| Net loans and leases to total assets | 84.1483% | 524 |
| Net loans and leases to deposits | 94.8200% | 1,745 |
| Net loans and leases to core deposits | 102.7940% | 4,076 |
| Total domestic deposits to total assets | 88.7453% | 1,318 |
| Equity capital to assets | 10.6938% | 3,294 |
| Core capital (leverage) ratio | 10.7405% | 2,612 |
| Tier 1 risk-based capital ratio | 18.9100% | 1,764 |
| Total risk-based capital ratio | 19.4311% | 1,883 |
| Memoranda: | ||
| Average total assets | $55,853,750 | 6,549 |
| Average earning assets | $51,889,000 | 6,504 |
| Average equity | $6,047,750 | 6,647 |
| Average total loans | $46,506,250 | 5,865 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2367% | 1,366 |
| Cost of funding earning assets | 2.3110% | 2,312 |
| Net interest margin | 3.9257% | 2,995 |
| Noninterest income to average assets | 0.2964% | 6,139 |
| Noninterest expense to average assets | 3.3721% | 2,715 |
| Loan and lease loss provision to assets | 0.1265% | 5,847 |
| Net operating income to assets | 0.3325% | 4,752 |
| Return on assets (ROA) | 0.3325% | 4,865 |
| Pretax return on assets | 0.4446% | 4,815 |
| Return on Equity (ROE) | 3.0578% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,612 |
| Net charge-offs to loans | 0.1963% | 4,306 |
| Credit loss provision to net charge-offs | 77.7778% | 5,257 |
| Earnings coverage of net charge-offs (x) | 3.5111% | 3,414 |
| Efficiency ratio | 85.5179% | 2,284 |
| Assets per employee ($millions) | 3.1368% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3459% | 7,954 |
| Loan loss allowance to noncurrent loans | 93.6782% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 6,166 |
| Noncurrent loans to loans | 0.3693% | 6,587 |
| Net loans and leases to total assets | 83.1621% | 764 |
| Net loans and leases to deposits | 94.4864% | 2,017 |
| Net loans and leases to core deposits | 102.3319% | 4,259 |
| Total domestic deposits to total assets | 88.0149% | 1,764 |
| Equity capital to assets | 10.7293% | 3,176 |
| Core capital (leverage) ratio | 10.8304% | 2,543 |
| Tier 1 risk-based capital ratio | 19.1846% | 1,746 |
| Total risk-based capital ratio | 19.6954% | 1,841 |
| Memoranda: | ||
| Average total assets | $55,336,000 | 6,621 |
| Average earning assets | $51,405,330 | 6,578 |
| Average equity | $6,017,330 | 6,708 |
| Average total loans | $45,849,330 | 5,938 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3707% | 1,128 |
| Cost of funding earning assets | 2.3595% | 2,465 |
| Net interest margin | 4.0112% | 2,599 |
| Noninterest income to average assets | 0.2921% | 6,097 |
| Noninterest expense to average assets | 3.3301% | 2,566 |
| Loan and lease loss provision to assets | 0.1095% | 5,566 |
| Net operating income to assets | 0.4674% | 4,580 |
| Return on assets (ROA) | 0.4674% | 4,768 |
| Pretax return on assets | 0.5769% | 4,823 |
| Return on Equity (ROE) | 4.2688% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.2688% | 3,534 |
| Net charge-offs to loans | 0.1946% | 3,470 |
| Credit loss provision to net charge-offs | 68.1818% | 4,385 |
| Earnings coverage of net charge-offs (x) | 4.2727% | 2,925 |
| Efficiency ratio | 82.9091% | 2,425 |
| Assets per employee ($millions) | 3.0896% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3676% | 7,983 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 6,339 |
| Noncurrent loans to loans | 0.3676% | 6,504 |
| Net loans and leases to total assets | 80.9073% | 1,221 |
| Net loans and leases to deposits | 91.0443% | 2,768 |
| Net loans and leases to core deposits | 98.3368% | 4,710 |
| Total domestic deposits to total assets | 88.8659% | 1,295 |
| Equity capital to assets | 10.8500% | 3,125 |
| Core capital (leverage) ratio | 10.9400% | 2,549 |
| Tier 1 risk-based capital ratio | 19.5346% | 1,713 |
| Total risk-based capital ratio | 20.0667% | 1,807 |
| Memoranda: | ||
| Average total assets | $54,773,000 | 6,680 |
| Average earning assets | $50,858,000 | 6,626 |
| Average equity | $5,997,000 | 6,758 |
| Average total loans | $45,215,000 | 6,002 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4620% | 3,151 |
| Cost of funding earning assets | 2.6771% | 3,281 |
| Net interest margin | 3.7850% | 4,082 |
| Noninterest income to average assets | 0.3020% | 6,289 |
| Noninterest expense to average assets | 3.3785% | 2,741 |
| Loan and lease loss provision to assets | -0.0168% | 8,207 |
| Net operating income to assets | 0.3393% | 5,397 |
| Return on assets (ROA) | 0.3393% | 5,220 |
| Pretax return on assets | 0.4438% | 5,143 |
| Return on Equity (ROE) | 3.0923% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.0923% | 3,235 |
| Net charge-offs to loans | 0.0360% | 6,298 |
| Credit loss provision to net charge-offs | -56.2500% | 7,287 |
| Earnings coverage of net charge-offs (x) | 14.3125% | 2,043 |
| Efficiency ratio | 88.7800% | 1,607 |
| Assets per employee ($millions) | 2.9963% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3755% | 8,014 |
| Loan loss allowance to noncurrent loans | 36.0169% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 4,540 |
| Noncurrent loans to loans | 1.0427% | 4,496 |
| Net loans and leases to total assets | 83.6204% | 949 |
| Net loans and leases to deposits | 95.9329% | 2,464 |
| Net loans and leases to core deposits | 103.3504% | 4,463 |
| Total domestic deposits to total assets | 87.1656% | 1,858 |
| Equity capital to assets | 11.0507% | 3,001 |
| Core capital (leverage) ratio | 11.1586% | 2,458 |
| Tier 1 risk-based capital ratio | 19.4856% | 1,704 |
| Total risk-based capital ratio | 20.0349% | 1,808 |
| Memoranda: | ||
| Average total assets | $53,633,600 | 6,633 |
| Average earning assets | $49,643,800 | 6,605 |
| Average equity | $5,885,600 | 6,844 |
| Average total loans | $44,400,600 | 5,955 |