Home > Grant County Bank > Performance and Condition Ratios
Grant County 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 | 4.2937% | 4,078 |
| Cost of funding earning assets | 2.0585% | 1,756 |
| Net interest margin | 2.2351% | 4,196 |
| Noninterest income to average assets | 0.1100% | 4,092 |
| Noninterest expense to average assets | 2.0465% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.2600% | 3,912 |
| Return on assets (ROA) | 0.2600% | 3,937 |
| Pretax return on assets | 0.2600% | 3,982 |
| Return on Equity (ROE) | 1.8300% | 4,014 |
| Retained earnings to average equity (ytd only) | 1.8289% | 3,357 |
| Net charge-offs to loans | 1.0073% | 155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 1.0833% | 2,167 |
| Efficiency ratio | 88.7283% | 543 |
| Assets per employee ($millions) | 7.2220% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3442% | 124 |
| Loan loss allowance to noncurrent loans | 345.1327% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 2,527 |
| Noncurrent loans to loans | 0.9690% | 1,098 |
| Net loans and leases to total assets | 19.5100% | 4,297 |
| Net loans and leases to deposits | 23.1225% | 4,311 |
| Net loans and leases to core deposits | 30.6788% | 4,260 |
| Total domestic deposits to total assets | 84.3800% | 2,793 |
| Equity capital to assets | 14.9335% | 570 |
| Core capital (leverage) ratio | 15.3513% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $60,004,000 | 4,125 |
| Average earning assets | $58,877,500 | 4,076 |
| Average equity | $8,529,500 | 3,935 |
| Average total loans | $14,295,000 | 4,265 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 3,749 |
| Cost of funding earning assets | 2.1778% | 1,795 |
| Net interest margin | 2.4205% | 3,980 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 2.2587% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1839% | 3,995 |
| Return on assets (ROA) | 0.1839% | 4,026 |
| Pretax return on assets | 0.1839% | 4,051 |
| Return on Equity (ROE) | 1.2900% | 4,074 |
| Retained earnings to average equity (ytd only) | 0.0844% | 3,880 |
| Net charge-offs to loans | 1.0386% | 143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.5944% | 2,975 |
| Efficiency ratio | 92.4701% | 420 |
| Assets per employee ($millions) | 7.7790% | 1,663 |
| Cash dividends to net income (ytd only)* | 93.4579% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5165% | 210 |
| Loan loss allowance to noncurrent loans | 81.2977% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 848 |
| Noncurrent loans to loans | 3.0955% | 173 |
| Net loans and leases to total assets | 26.5200% | 4,262 |
| Net loans and leases to deposits | 30.8887% | 4,276 |
| Net loans and leases to core deposits | 39.4530% | 4,199 |
| Total domestic deposits to total assets | 85.8500% | 2,268 |
| Equity capital to assets | 13.5477% | 762 |
| Core capital (leverage) ratio | 15.4713% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $58,174,000 | 4,160 |
| Average earning assets | $56,847,200 | 4,101 |
| Average equity | $8,296,400 | 3,938 |
| Average total loans | $17,330,800 | 4,250 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 3,549 |
| Cost of funding earning assets | 2.1841% | 1,779 |
| Net interest margin | 2.5162% | 3,869 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 2.2603% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2822% | 3,886 |
| Return on assets (ROA) | 0.2822% | 3,916 |
| Pretax return on assets | 0.2822% | 3,969 |
| Return on Equity (ROE) | 1.9500% | 4,030 |
| Retained earnings to average equity (ytd only) | 1.9525% | 3,475 |
| Net charge-offs to loans | -0.0688% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 88.8991% | 589 |
| Assets per employee ($millions) | 6.9849% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5858% | 114 |
| Loan loss allowance to noncurrent loans | 640.6250% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,600 |
| Noncurrent loans to loans | 0.5597% | 1,687 |
| Net loans and leases to total assets | 29.5900% | 4,261 |
| Net loans and leases to deposits | 35.3416% | 4,268 |
| Net loans and leases to core deposits | 47.6007% | 4,099 |
| Total domestic deposits to total assets | 83.7300% | 2,656 |
| Equity capital to assets | 15.5175% | 531 |
| Core capital (leverage) ratio | 16.2014% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $57,159,500 | 4,186 |
| Average earning assets | $55,796,250 | 4,141 |
| Average equity | $8,262,750 | 3,956 |
| Average total loans | $17,431,500 | 4,273 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 3,544 |
| Cost of funding earning assets | 2.1015% | 1,868 |
| Net interest margin | 2.5566% | 3,797 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 2.1776% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4133% | 3,632 |
| Return on assets (ROA) | 0.4133% | 3,671 |
| Pretax return on assets | 0.4133% | 3,780 |
| Return on Equity (ROE) | 2.9300% | 3,892 |
| Retained earnings to average equity (ytd only) | 2.9286% | 3,058 |
| Net charge-offs to loans | -0.1027% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 84.0483% | 854 |
| Assets per employee ($millions) | 7.0783% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5463% | 117 |
| Loan loss allowance to noncurrent loans | 1,366.6667% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 2,915 |
| Noncurrent loans to loans | 0.2595% | 2,447 |
| Net loans and leases to total assets | 29.5400% | 4,270 |
| Net loans and leases to deposits | 34.8450% | 4,279 |
| Net loans and leases to core deposits | 45.7873% | 4,128 |
| Total domestic deposits to total assets | 84.7700% | 2,376 |
| Equity capital to assets | 14.5993% | 592 |
| Core capital (leverage) ratio | 16.0014% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $57,586,333 | 4,202 |
| Average earning assets | $56,246,000 | 4,150 |
| Average equity | $8,126,667 | 3,961 |
| Average total loans | $17,525,000 | 4,289 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 3,401 |
| Cost of funding earning assets | 2.1111% | 1,748 |
| Net interest margin | 2.5544% | 3,784 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 2.1975% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3927% | 3,635 |
| Return on assets (ROA) | 0.3927% | 3,656 |
| Pretax return on assets | 0.3927% | 3,775 |
| Return on Equity (ROE) | 2.8300% | 3,878 |
| Retained earnings to average equity (ytd only) | 2.8300% | 3,018 |
| Net charge-offs to loans | -0.3179% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 84.8404% | 851 |
| Assets per employee ($millions) | 7.1446% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5836% | 78 |
| Loan loss allowance to noncurrent loans | 1,409.0909% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,866 |
| Noncurrent loans to loans | 0.2543% | 2,407 |
| Net loans and leases to total assets | 29.1800% | 4,294 |
| Net loans and leases to deposits | 34.2709% | 4,283 |
| Net loans and leases to core deposits | 44.7788% | 4,182 |
| Total domestic deposits to total assets | 85.1600% | 2,364 |
| Equity capital to assets | 14.1627% | 654 |
| Core capital (leverage) ratio | 15.3002% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $58,066,500 | 4,213 |
| Average earning assets | $56,842,500 | 4,168 |
| Average equity | $8,056,500 | 3,983 |
| Average total loans | $17,616,500 | 4,314 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 3,813 |
| Cost of funding earning assets | 1.5793% | 1,743 |
| Net interest margin | 2.5170% | 4,078 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 2.1173% | 3,366 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.3308% | 3,982 |
| Return on assets (ROA) | 0.3308% | 3,981 |
| Pretax return on assets | 0.3308% | 4,060 |
| Return on Equity (ROE) | 2.6400% | 4,081 |
| Retained earnings to average equity (ytd only) | 0.3213% | 3,979 |
| Net charge-offs to loans | 0.2708% | 393 |
| Credit loss provision to net charge-offs | 127.6596% | 1,615 |
| Earnings coverage of net charge-offs (x) | 5.6383% | 2,517 |
| Efficiency ratio | 83.1959% | 708 |
| Assets per employee ($millions) | 7.3720% | 1,828 |
| Cash dividends to net income (ytd only)* | 87.8049% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3794% | 90 |
| Loan loss allowance to noncurrent loans | 531.5789% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 2,260 |
| Noncurrent loans to loans | 0.6357% | 1,243 |
| Net loans and leases to total assets | 29.3800% | 4,306 |
| Net loans and leases to deposits | 34.6922% | 4,292 |
| Net loans and leases to core deposits | 44.6535% | 4,187 |
| Total domestic deposits to total assets | 84.6800% | 2,413 |
| Equity capital to assets | 13.5954% | 751 |
| Core capital (leverage) ratio | 15.2488% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $61,965,200 | 4,190 |
| Average earning assets | $60,786,000 | 4,124 |
| Average equity | $7,779,800 | 3,957 |
| Average total loans | $17,355,800 | 4,328 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 3,870 |
| Cost of funding earning assets | 1.4741% | 1,678 |
| Net interest margin | 2.5125% | 4,127 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.0240% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5124% | 3,739 |
| Return on assets (ROA) | 0.5124% | 3,732 |
| Pretax return on assets | 0.5124% | 3,887 |
| Return on Equity (ROE) | 4.1600% | 3,956 |
| Retained earnings to average equity (ytd only) | 4.1621% | 3,214 |
| Net charge-offs to loans | 0.4106% | 205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.5472% | 2,393 |
| Efficiency ratio | 79.7988% | 866 |
| Assets per employee ($millions) | 7.3824% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1445% | 110 |
| Loan loss allowance to noncurrent loans | 794.1176% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 2,798 |
| Noncurrent loans to loans | 0.3960% | 1,839 |
| Net loans and leases to total assets | 28.1600% | 4,347 |
| Net loans and leases to deposits | 32.6829% | 4,350 |
| Net loans and leases to core deposits | 41.0225% | 4,239 |
| Total domestic deposits to total assets | 86.1700% | 2,144 |
| Equity capital to assets | 13.2359% | 768 |
| Core capital (leverage) ratio | 15.5735% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $62,712,500 | 4,201 |
| Average earning assets | $61,503,750 | 4,139 |
| Average equity | $7,720,250 | 3,963 |
| Average total loans | $17,211,750 | 4,350 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,872 |
| Cost of funding earning assets | 1.3196% | 1,659 |
| Net interest margin | 2.5787% | 4,130 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.9521% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6507% | 3,456 |
| Return on assets (ROA) | 0.6507% | 3,462 |
| Pretax return on assets | 0.6507% | 3,702 |
| Return on Equity (ROE) | 5.4100% | 3,820 |
| Retained earnings to average equity (ytd only) | 5.4110% | 2,818 |
| Net charge-offs to loans | 0.3135% | 266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 7.7037% | 2,076 |
| Efficiency ratio | 75.0000% | 1,253 |
| Assets per employee ($millions) | 7.3570% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2357% | 114 |
| Loan loss allowance to noncurrent loans | 1,157.1429% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 2,956 |
| Noncurrent loans to loans | 0.2796% | 2,144 |
| Net loans and leases to total assets | 28.8100% | 4,347 |
| Net loans and leases to deposits | 33.3353% | 4,341 |
| Net loans and leases to core deposits | 41.5802% | 4,226 |
| Total domestic deposits to total assets | 86.4200% | 2,112 |
| Equity capital to assets | 13.2017% | 771 |
| Core capital (leverage) ratio | 14.8939% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $63,930,333 | 4,209 |
| Average earning assets | $62,744,333 | 4,152 |
| Average equity | $7,688,000 | 3,984 |
| Average total loans | $17,224,667 | 4,370 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 3,860 |
| Cost of funding earning assets | 1.1392% | 1,628 |
| Net interest margin | 2.6582% | 4,138 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.9739% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7101% | 3,441 |
| Return on assets (ROA) | 0.7101% | 3,397 |
| Pretax return on assets | 0.7101% | 3,637 |
| Return on Equity (ROE) | 6.1700% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.1724% | 2,719 |
| Net charge-offs to loans | 0.3045% | 262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 9.0769% | 1,700 |
| Efficiency ratio | 73.5426% | 1,387 |
| Assets per employee ($millions) | 7.8823% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4003% | 98 |
| Loan loss allowance to noncurrent loans | 458.2677% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 1,853 |
| Noncurrent loans to loans | 0.7420% | 1,032 |
| Net loans and leases to total assets | 26.2200% | 4,442 |
| Net loans and leases to deposits | 30.4365% | 4,440 |
| Net loans and leases to core deposits | 37.5397% | 4,327 |
| Total domestic deposits to total assets | 86.1500% | 2,545 |
| Equity capital to assets | 12.3283% | 910 |
| Core capital (leverage) ratio | 13.7158% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $66,467,500 | 4,240 |
| Average earning assets | $65,308,500 | 4,180 |
| Average equity | $7,647,000 | 4,040 |
| Average total loans | $17,075,500 | 4,434 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6570% | 4,431 |
| Cost of funding earning assets | 0.4340% | 1,829 |
| Net interest margin | 2.2230% | 4,467 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.8566% | 3,915 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.2353% | 4,424 |
| Return on assets (ROA) | 0.2353% | 4,400 |
| Pretax return on assets | 0.2353% | 4,417 |
| Return on Equity (ROE) | 1.9400% | 4,396 |
| Retained earnings to average equity (ytd only) | 0.0625% | 4,331 |
| Net charge-offs to loans | 0.4810% | 158 |
| Credit loss provision to net charge-offs | 120.2532% | 1,457 |
| Earnings coverage of net charge-offs (x) | 3.1646% | 2,475 |
| Efficiency ratio | 83.0278% | 539 |
| Assets per employee ($millions) | 8.7346% | 1,001 |
| Cash dividends to net income (ytd only)* | 96.7742% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5515% | 78 |
| Loan loss allowance to noncurrent loans | 1,210.0000% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,074 |
| Noncurrent loans to loans | 0.2935% | 2,087 |
| Net loans and leases to total assets | 23.5100% | 4,517 |
| Net loans and leases to deposits | 26.4195% | 4,518 |
| Net loans and leases to core deposits | 31.3597% | 4,462 |
| Total domestic deposits to total assets | 89.0000% | 1,719 |
| Equity capital to assets | 10.7618% | 1,351 |
| Core capital (leverage) ratio | 13.8060% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $65,872,000 | 4,271 |
| Average earning assets | $64,283,000 | 4,214 |
| Average equity | $8,001,200 | 4,095 |
| Average total loans | $16,423,400 | 4,462 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5056% | 4,438 |
| Cost of funding earning assets | 0.3251% | 1,913 |
| Net interest margin | 2.1805% | 4,476 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.8416% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3515% | 4,321 |
| Return on assets (ROA) | 0.3515% | 4,271 |
| Pretax return on assets | 0.3515% | 4,329 |
| Return on Equity (ROE) | 2.8100% | 4,323 |
| Retained earnings to average equity (ytd only) | 2.8073% | 3,831 |
| Net charge-offs to loans | 0.0574% | 908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 24.4286% | 1,628 |
| Efficiency ratio | 83.9738% | 547 |
| Assets per employee ($millions) | 7.9156% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5275% | 83 |
| Loan loss allowance to noncurrent loans | 421.7391% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 2,154 |
| Noncurrent loans to loans | 0.8364% | 937 |
| Net loans and leases to total assets | 25.1400% | 4,523 |
| Net loans and leases to deposits | 28.6061% | 4,520 |
| Net loans and leases to core deposits | 34.7199% | 4,426 |
| Total domestic deposits to total assets | 87.8700% | 2,469 |
| Equity capital to assets | 11.8326% | 914 |
| Core capital (leverage) ratio | 13.9161% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $64,870,750 | 4,314 |
| Average earning assets | $63,163,500 | 4,259 |
| Average equity | $8,121,500 | 4,125 |
| Average total loans | $16,270,500 | 4,499 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2979% | 4,523 |
| Cost of funding earning assets | 0.2770% | 1,937 |
| Net interest margin | 2.0209% | 4,546 |
| Noninterest income to average assets | 0.0612% | 4,606 |
| Noninterest expense to average assets | 1.8077% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2172% | 4,398 |
| Return on assets (ROA) | 0.2172% | 4,358 |
| Pretax return on assets | 0.2172% | 4,394 |
| Return on Equity (ROE) | 1.7045% | 4,382 |
| Retained earnings to average equity (ytd only) | 1.7045% | 3,825 |
| Net charge-offs to loans | 0.0370% | 1,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,488 |
| Efficiency ratio | 89.2749% | 439 |
| Assets per employee ($millions) | 8.6159% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5710% | 93 |
| Loan loss allowance to noncurrent loans | 1,273.9130% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 2,991 |
| Noncurrent loans to loans | 0.2803% | 2,342 |
| Net loans and leases to total assets | 22.9576% | 4,615 |
| Net loans and leases to deposits | 25.8765% | 4,619 |
| Net loans and leases to core deposits | 30.8106% | 4,551 |
| Total domestic deposits to total assets | 88.7200% | 2,289 |
| Equity capital to assets | 11.0813% | 1,172 |
| Core capital (leverage) ratio | 14.2654% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,386,000 | 4,348 |
| Average earning assets | $63,536,667 | 4,310 |
| Average equity | $8,331,000 | 4,164 |
| Average total loans | $16,194,333 | 4,561 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2456% | 4,503 |
| Cost of funding earning assets | 0.2623% | 2,016 |
| Net interest margin | 1.9833% | 4,526 |
| Noninterest income to average assets | 0.1006% | 4,505 |
| Noninterest expense to average assets | 1.9932% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0566% | 4,508 |
| Return on assets (ROA) | 0.0566% | 4,485 |
| Pretax return on assets | 0.0566% | 4,483 |
| Return on Equity (ROE) | 0.4149% | 4,492 |
| Retained earnings to average equity (ytd only) | 0.4149% | 3,936 |
| Net charge-offs to loans | 0.0995% | 520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 1,712 |
| Efficiency ratio | 97.2393% | 296 |
| Assets per employee ($millions) | 7.9401% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8366% | 83 |
| Loan loss allowance to noncurrent loans | 177.2727% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 1,155 |
| Noncurrent loans to loans | 2.1642% | 317 |
| Net loans and leases to total assets | 23.0837% | 4,630 |
| Net loans and leases to deposits | 26.5923% | 4,628 |
| Net loans and leases to core deposits | 32.3344% | 4,522 |
| Total domestic deposits to total assets | 86.8059% | 3,000 |
| Equity capital to assets | 12.9626% | 695 |
| Core capital (leverage) ratio | 13.9729% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,615,500 | 4,395 |
| Average earning assets | $62,521,500 | 4,342 |
| Average equity | $8,677,500 | 4,188 |
| Average total loans | $16,086,500 | 4,581 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4302% | 4,526 |
| Cost of funding earning assets | 0.3271% | 2,143 |
| Net interest margin | 2.1030% | 4,542 |
| Noninterest income to average assets | 0.0917% | 4,637 |
| Noninterest expense to average assets | 2.0274% | 3,591 |
| Loan and lease loss provision to assets | 0.0316% | 2,416 |
| Net operating income to assets | 0.0965% | 4,624 |
| Return on assets (ROA) | 0.0965% | 4,632 |
| Pretax return on assets | 0.0965% | 4,640 |
| Return on Equity (ROE) | 0.6578% | 4,640 |
| Retained earnings to average equity (ytd only) | 0.0108% | 4,484 |
| Net charge-offs to loans | 0.0538% | 1,258 |
| Credit loss provision to net charge-offs | 222.2222% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,279 |
| Efficiency ratio | 94.0572% | 234 |
| Assets per employee ($millions) | 7.9638% | 1,350 |
| Cash dividends to net income (ytd only)* | 98.3607% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4801% | 101 |
| Loan loss allowance to noncurrent loans | 212.6354% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 1,512 |
| Noncurrent loans to loans | 1.6366% | 525 |
| Net loans and leases to total assets | 25.6412% | 4,633 |
| Net loans and leases to deposits | 30.0002% | 4,621 |
| Net loans and leases to core deposits | 36.5770% | 4,504 |
| Total domestic deposits to total assets | 85.4701% | 3,098 |
| Equity capital to assets | 14.3164% | 609 |
| Core capital (leverage) ratio | 14.1802% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,232,600 | 4,409 |
| Average earning assets | $62,053,400 | 4,362 |
| Average equity | $9,273,000 | 4,217 |
| Average total loans | $16,743,600 | 4,620 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4655% | 4,595 |
| Cost of funding earning assets | 0.3338% | 2,261 |
| Net interest margin | 2.1317% | 4,610 |
| Noninterest income to average assets | 0.0845% | 4,726 |
| Noninterest expense to average assets | 2.1083% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0676% | 4,715 |
| Return on assets (ROA) | 0.0676% | 4,730 |
| Pretax return on assets | 0.0676% | 4,728 |
| Return on Equity (ROE) | 0.4582% | 4,728 |
| Retained earnings to average equity (ytd only) | 0.4582% | 4,501 |
| Net charge-offs to loans | 0.1357% | 598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1.8824% | 2,367 |
| Efficiency ratio | 96.8932% | 183 |
| Assets per employee ($millions) | 7.9973% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3769% | 114 |
| Loan loss allowance to noncurrent loans | 69.0887% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 453 |
| Noncurrent loans to loans | 4.8877% | 79 |
| Net loans and leases to total assets | 25.0899% | 4,727 |
| Net loans and leases to deposits | 29.5220% | 4,711 |
| Net loans and leases to core deposits | 35.7649% | 4,616 |
| Total domestic deposits to total assets | 84.9870% | 3,117 |
| Equity capital to assets | 14.5941% | 619 |
| Core capital (leverage) ratio | 14.4481% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,113,250 | 4,473 |
| Average earning assets | $61,920,500 | 4,421 |
| Average equity | $9,311,000 | 4,272 |
| Average total loans | $16,698,250 | 4,689 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5094% | 4,610 |
| Cost of funding earning assets | 0.3409% | 2,396 |
| Net interest margin | 2.1686% | 4,618 |
| Noninterest income to average assets | 0.0796% | 4,764 |
| Noninterest expense to average assets | 2.1361% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0700% | 4,739 |
| Return on assets (ROA) | 0.0700% | 4,750 |
| Pretax return on assets | 0.0700% | 4,752 |
| Return on Equity (ROE) | 0.4730% | 4,755 |
| Retained earnings to average equity (ytd only) | 0.4730% | 4,439 |
| Net charge-offs to loans | 0.0359% | 1,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 1,920 |
| Efficiency ratio | 96.8254% | 202 |
| Assets per employee ($millions) | 7.8955% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4578% | 101 |
| Loan loss allowance to noncurrent loans | 293.3673% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 2,367 |
| Noncurrent loans to loans | 1.1787% | 1,024 |
| Net loans and leases to total assets | 25.4164% | 4,762 |
| Net loans and leases to deposits | 29.9074% | 4,754 |
| Net loans and leases to core deposits | 36.1903% | 4,666 |
| Total domestic deposits to total assets | 84.9835% | 3,101 |
| Equity capital to assets | 14.6808% | 583 |
| Core capital (leverage) ratio | 14.5284% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,825,000 | 4,504 |
| Average earning assets | $61,607,667 | 4,455 |
| Average equity | $9,302,333 | 4,288 |
| Average total loans | $16,726,667 | 4,724 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5518% | 4,611 |
| Cost of funding earning assets | 0.3580% | 2,462 |
| Net interest margin | 2.1937% | 4,615 |
| Noninterest income to average assets | 0.0830% | 4,754 |
| Noninterest expense to average assets | 2.1131% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1213% | 4,699 |
| Return on assets (ROA) | 0.1213% | 4,715 |
| Pretax return on assets | 0.1213% | 4,716 |
| Return on Equity (ROE) | 0.8157% | 4,726 |
| Retained earnings to average equity (ytd only) | 0.8157% | 4,250 |
| Net charge-offs to loans | 0.0238% | 1,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,271 |
| Efficiency ratio | 94.5714% | 277 |
| Assets per employee ($millions) | 7.8278% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6212% | 90 |
| Loan loss allowance to noncurrent loans | 139.7094% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 1,434 |
| Noncurrent loans to loans | 2.5919% | 350 |
| Net loans and leases to total assets | 24.5233% | 4,803 |
| Net loans and leases to deposits | 28.8731% | 4,808 |
| Net loans and leases to core deposits | 35.0464% | 4,738 |
| Total domestic deposits to total assets | 84.9350% | 3,126 |
| Equity capital to assets | 14.7792% | 529 |
| Core capital (leverage) ratio | 14.6497% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,655,500 | 4,523 |
| Average earning assets | $61,448,000 | 4,471 |
| Average equity | $9,317,000 | 4,293 |
| Average total loans | $16,775,500 | 4,748 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9776% | 4,649 |
| Cost of funding earning assets | 0.6172% | 2,197 |
| Net interest margin | 2.3604% | 4,682 |
| Noninterest income to average assets | 0.0741% | 4,809 |
| Noninterest expense to average assets | 2.2892% | 3,434 |
| Loan and lease loss provision to assets | 0.0421% | 3,871 |
| Net operating income to assets | 0.0556% | 4,698 |
| Return on assets (ROA) | 0.1331% | 4,687 |
| Pretax return on assets | 0.1331% | 4,685 |
| Return on Equity (ROE) | 0.8518% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.0431% | 4,503 |
| Net charge-offs to loans | 0.2069% | 839 |
| Credit loss provision to net charge-offs | 65.7895% | 3,066 |
| Earnings coverage of net charge-offs (x) | 1.5263% | 3,247 |
| Efficiency ratio | 95.9068% | 229 |
| Assets per employee ($millions) | 7.8361% | 1,104 |
| Cash dividends to net income (ytd only)* | 94.9367% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2809% | 115 |
| Loan loss allowance to noncurrent loans | 135.0467% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 1,526 |
| Noncurrent loans to loans | 2.4295% | 422 |
| Net loans and leases to total assets | 27.1802% | 4,806 |
| Net loans and leases to deposits | 32.0523% | 4,809 |
| Net loans and leases to core deposits | 38.8770% | 4,725 |
| Total domestic deposits to total assets | 84.7996% | 2,843 |
| Equity capital to assets | 14.9612% | 580 |
| Core capital (leverage) ratio | 14.8184% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,364,600 | 4,520 |
| Average earning assets | $58,168,400 | 4,465 |
| Average equity | $9,274,800 | 4,275 |
| Average total loans | $18,368,400 | 4,743 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0805% | 4,679 |
| Cost of funding earning assets | 0.6905% | 2,084 |
| Net interest margin | 2.3900% | 4,729 |
| Noninterest income to average assets | 0.0615% | 4,872 |
| Noninterest expense to average assets | 2.3006% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1025% | 4,698 |
| Return on assets (ROA) | 0.1777% | 4,664 |
| Pretax return on assets | 0.1777% | 4,675 |
| Return on Equity (ROE) | 1.1244% | 4,684 |
| Retained earnings to average equity (ytd only) | 1.1244% | 4,213 |
| Net charge-offs to loans | 0.2730% | 572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.1842% | 3,088 |
| Efficiency ratio | 95.7346% | 232 |
| Assets per employee ($millions) | 7.4608% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1397% | 122 |
| Loan loss allowance to noncurrent loans | 73.9305% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2532% | 772 |
| Noncurrent loans to loans | 4.2469% | 146 |
| Net loans and leases to total assets | 28.5829% | 4,845 |
| Net loans and leases to deposits | 34.1261% | 4,854 |
| Net loans and leases to core deposits | 41.4329% | 4,761 |
| Total domestic deposits to total assets | 83.7567% | 2,907 |
| Equity capital to assets | 15.7675% | 499 |
| Core capital (leverage) ratio | 15.4203% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,533,500 | 4,547 |
| Average earning assets | $57,349,000 | 4,492 |
| Average equity | $9,248,750 | 4,298 |
| Average total loans | $18,556,250 | 4,772 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2047% | 4,714 |
| Cost of funding earning assets | 0.7862% | 1,896 |
| Net interest margin | 2.4184% | 4,781 |
| Noninterest income to average assets | 0.0482% | 4,919 |
| Noninterest expense to average assets | 2.3285% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0894% | 4,700 |
| Return on assets (ROA) | 0.2064% | 4,609 |
| Pretax return on assets | 0.2064% | 4,627 |
| Return on Equity (ROE) | 1.3051% | 4,651 |
| Retained earnings to average equity (ytd only) | 1.3051% | 4,007 |
| Net charge-offs to loans | 0.4239% | 377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.6500% | 2,911 |
| Efficiency ratio | 96.3016% | 238 |
| Assets per employee ($millions) | 7.6333% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0584% | 130 |
| Loan loss allowance to noncurrent loans | 53.3915% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.6900% | 499 |
| Noncurrent loans to loans | 5.7282% | 78 |
| Net loans and leases to total assets | 28.6002% | 4,879 |
| Net loans and leases to deposits | 33.9159% | 4,886 |
| Net loans and leases to core deposits | 40.6371% | 4,819 |
| Total domestic deposits to total assets | 84.3268% | 2,623 |
| Equity capital to assets | 15.2966% | 569 |
| Core capital (leverage) ratio | 15.3544% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,149,333 | 4,566 |
| Average earning assets | $56,979,333 | 4,511 |
| Average equity | $9,194,667 | 4,320 |
| Average total loans | $18,870,667 | 4,795 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4476% | 4,688 |
| Cost of funding earning assets | 0.9141% | 1,795 |
| Net interest margin | 2.5335% | 4,805 |
| Noninterest income to average assets | 0.1058% | 4,798 |
| Noninterest expense to average assets | 2.3637% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2258% | 4,484 |
| Return on assets (ROA) | 0.4516% | 4,062 |
| Pretax return on assets | 0.4516% | 4,204 |
| Return on Equity (ROE) | 2.8066% | 4,263 |
| Retained earnings to average equity (ytd only) | 2.8066% | 3,156 |
| Net charge-offs to loans | 0.7462% | 204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.8889% | 2,432 |
| Efficiency ratio | 91.2807% | 452 |
| Assets per employee ($millions) | 7.2511% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9393% | 157 |
| Loan loss allowance to noncurrent loans | 61.5299% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5549% | 678 |
| Noncurrent loans to loans | 4.7770% | 136 |
| Net loans and leases to total assets | 31.5934% | 4,875 |
| Net loans and leases to deposits | 37.6665% | 4,875 |
| Net loans and leases to core deposits | 45.3055% | 4,787 |
| Total domestic deposits to total assets | 83.8766% | 2,825 |
| Equity capital to assets | 15.7286% | 627 |
| Core capital (leverage) ratio | 16.2118% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,691,000 | 4,596 |
| Average earning assets | $55,574,500 | 4,549 |
| Average equity | $9,121,500 | 4,354 |
| Average total loans | $19,298,000 | 4,818 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 4,719 |
| Cost of funding earning assets | 0.9989% | 1,727 |
| Net interest margin | 2.6661% | 4,855 |
| Noninterest income to average assets | 0.1325% | 4,809 |
| Noninterest expense to average assets | 2.3647% | 3,789 |
| Loan and lease loss provision to assets | 0.1325% | 1,609 |
| Net operating income to assets | 0.2439% | 4,804 |
| Return on assets (ROA) | 0.2439% | 4,826 |
| Pretax return on assets | 0.2439% | 4,857 |
| Return on Equity (ROE) | 1.5522% | 4,852 |
| Retained earnings to average equity (ytd only) | 0.1462% | 4,643 |
| Net charge-offs to loans | 0.4588% | 404 |
| Credit loss provision to net charge-offs | 82.4176% | 2,762 |
| Earnings coverage of net charge-offs (x) | 2.3407% | 3,425 |
| Efficiency ratio | 86.2669% | 528 |
| Assets per employee ($millions) | 6.9216% | 1,074 |
| Cash dividends to net income (ytd only)* | 90.5797% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9979% | 127 |
| Loan loss allowance to noncurrent loans | 72.8730% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 697 |
| Noncurrent loans to loans | 4.1138% | 158 |
| Net loans and leases to total assets | 34.5349% | 4,889 |
| Net loans and leases to deposits | 41.5185% | 4,877 |
| Net loans and leases to core deposits | 50.5151% | 4,745 |
| Total domestic deposits to total assets | 83.1795% | 3,144 |
| Equity capital to assets | 16.4683% | 532 |
| Core capital (leverage) ratio | 16.0564% | 514 |
| Tier 1 risk-based capital ratio | 32.8088% | 390 |
| Total risk-based capital ratio | 34.0691% | 383 |
| Memoranda: | ||
| Average total assets | $56,583,400 | 4,638 |
| Average earning assets | $55,362,600 | 4,595 |
| Average equity | $8,890,600 | 4,392 |
| Average total loans | $19,834,600 | 4,863 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6328% | 4,851 |
| Cost of funding earning assets | 1.0065% | 1,735 |
| Net interest margin | 2.6264% | 4,985 |
| Noninterest income to average assets | 0.1383% | 4,840 |
| Noninterest expense to average assets | 2.3860% | 3,724 |
| Loan and lease loss provision to assets | 0.0586% | 2,730 |
| Net operating income to assets | 0.2625% | 4,888 |
| Return on assets (ROA) | 0.2625% | 4,905 |
| Pretax return on assets | 0.2625% | 4,936 |
| Return on Equity (ROE) | 1.6905% | 4,935 |
| Retained earnings to average equity (ytd only) | 1.6905% | 4,365 |
| Net charge-offs to loans | 0.7450% | 211 |
| Credit loss provision to net charge-offs | 22.5225% | 2,957 |
| Earnings coverage of net charge-offs (x) | 1.2342% | 3,318 |
| Efficiency ratio | 88.1385% | 389 |
| Assets per employee ($millions) | 7.0193% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6397% | 190 |
| Loan loss allowance to noncurrent loans | 165.9236% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 2,327 |
| Noncurrent loans to loans | 1.5909% | 927 |
| Net loans and leases to total assets | 34.2202% | 4,986 |
| Net loans and leases to deposits | 41.1874% | 4,970 |
| Net loans and leases to core deposits | 49.9610% | 4,836 |
| Total domestic deposits to total assets | 83.0840% | 3,139 |
| Equity capital to assets | 16.3230% | 583 |
| Core capital (leverage) ratio | 16.7999% | 464 |
| Tier 1 risk-based capital ratio | 32.6444% | 407 |
| Total risk-based capital ratio | 33.9029% | 402 |
| Memoranda: | ||
| Average total assets | $56,886,000 | 4,704 |
| Average earning assets | $55,639,750 | 4,655 |
| Average equity | $8,833,500 | 4,448 |
| Average total loans | $19,864,750 | 4,940 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 4,890 |
| Cost of funding earning assets | 0.9878% | 1,750 |
| Net interest margin | 2.6557% | 5,037 |
| Noninterest income to average assets | 0.1435% | 4,849 |
| Noninterest expense to average assets | 2.4120% | 3,710 |
| Loan and lease loss provision to assets | 0.0875% | 2,092 |
| Net operating income to assets | 0.2416% | 4,949 |
| Return on assets (ROA) | 0.2416% | 4,961 |
| Pretax return on assets | 0.2416% | 4,988 |
| Return on Equity (ROE) | 1.5821% | 4,996 |
| Retained earnings to average equity (ytd only) | 1.5821% | 4,260 |
| Net charge-offs to loans | 0.8841% | 162 |
| Credit loss provision to net charge-offs | 28.4091% | 2,607 |
| Earnings coverage of net charge-offs (x) | 1.0682% | 3,056 |
| Efficiency ratio | 87.9949% | 442 |
| Assets per employee ($millions) | 6.8288% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8179% | 153 |
| Loan loss allowance to noncurrent loans | 84.6034% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1770% | 1,143 |
| Noncurrent loans to loans | 3.3307% | 274 |
| Net loans and leases to total assets | 34.3419% | 5,020 |
| Net loans and leases to deposits | 41.3584% | 5,018 |
| Net loans and leases to core deposits | 50.5170% | 4,859 |
| Total domestic deposits to total assets | 83.0350% | 3,187 |
| Equity capital to assets | 16.5184% | 530 |
| Core capital (leverage) ratio | 16.3147% | 507 |
| Tier 1 risk-based capital ratio | 32.8482% | 397 |
| Total risk-based capital ratio | 34.1065% | 389 |
| Memoranda: | ||
| Average total assets | $57,130,000 | 4,737 |
| Average earning assets | $55,879,670 | 4,687 |
| Average equity | $8,722,670 | 4,482 |
| Average total loans | $19,907,330 | 4,982 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5586% | 4,995 |
| Cost of funding earning assets | 0.9457% | 1,811 |
| Net interest margin | 2.6129% | 5,129 |
| Noninterest income to average assets | 0.1370% | 4,913 |
| Noninterest expense to average assets | 2.3433% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3494% | 4,835 |
| Return on assets (ROA) | 0.3494% | 4,840 |
| Pretax return on assets | 0.3494% | 4,905 |
| Return on Equity (ROE) | 2.3798% | 4,914 |
| Retained earnings to average equity (ytd only) | 2.3798% | 3,960 |
| Net charge-offs to loans | 1.6231% | 72 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.6220% | 2,655 |
| Efficiency ratio | 87.0229% | 525 |
| Assets per employee ($millions) | 7.1575% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6109% | 215 |
| Loan loss allowance to noncurrent loans | 104.7904% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8750% | 1,616 |
| Noncurrent loans to loans | 2.4915% | 527 |
| Net loans and leases to total assets | 34.2001% | 5,068 |
| Net loans and leases to deposits | 40.5344% | 5,072 |
| Net loans and leases to core deposits | 48.9820% | 4,915 |
| Total domestic deposits to total assets | 84.3730% | 2,911 |
| Equity capital to assets | 15.2305% | 704 |
| Core capital (leverage) ratio | 15.8771% | 550 |
| Tier 1 risk-based capital ratio | 31.6772% | 421 |
| Total risk-based capital ratio | 32.9349% | 415 |
| Memoranda: | ||
| Average total assets | $58,380,000 | 4,766 |
| Average earning assets | $57,100,500 | 4,719 |
| Average equity | $8,572,000 | 4,527 |
| Average total loans | $20,208,500 | 5,038 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3553% | 5,043 |
| Cost of funding earning assets | 0.7172% | 1,985 |
| Net interest margin | 2.6381% | 5,132 |
| Noninterest income to average assets | 0.1534% | 4,950 |
| Noninterest expense to average assets | 2.0972% | 4,574 |
| Loan and lease loss provision to assets | 0.5166% | 225 |
| Net operating income to assets | 0.1227% | 5,167 |
| Return on assets (ROA) | 0.1227% | 5,162 |
| Pretax return on assets | 0.1227% | 5,164 |
| Return on Equity (ROE) | 0.8940% | 5,168 |
| Retained earnings to average equity (ytd only) | 0.0706% | 4,970 |
| Net charge-offs to loans | 1.5852% | 73 |
| Credit loss provision to net charge-offs | 103.8961% | 2,444 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 3,640 |
| Efficiency ratio | 76.6372% | 1,279 |
| Assets per employee ($millions) | 7.4375% | 824 |
| Cash dividends to net income (ytd only)* | 92.1053% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9888% | 134 |
| Loan loss allowance to noncurrent loans | 115.8397% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 1,584 |
| Noncurrent loans to loans | 2.5801% | 461 |
| Net loans and leases to total assets | 33.1126% | 5,142 |
| Net loans and leases to deposits | 38.7111% | 5,143 |
| Net loans and leases to core deposits | 46.2782% | 5,027 |
| Total domestic deposits to total assets | 85.5378% | 2,424 |
| Equity capital to assets | 14.1563% | 921 |
| Core capital (leverage) ratio | 15.3756% | 615 |
| Tier 1 risk-based capital ratio | 31.1470% | 422 |
| Total risk-based capital ratio | 32.4081% | 415 |
| Memoranda: | ||
| Average total assets | $61,939,000 | 4,719 |
| Average earning assets | $60,650,200 | 4,656 |
| Average equity | $8,500,800 | 4,528 |
| Average total loans | $19,429,200 | 5,089 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2886% | 5,130 |
| Cost of funding earning assets | 0.6769% | 1,990 |
| Net interest margin | 2.6117% | 5,213 |
| Noninterest income to average assets | 0.1599% | 4,982 |
| Noninterest expense to average assets | 2.0890% | 4,577 |
| Loan and lease loss provision to assets | 0.3198% | 443 |
| Net operating income to assets | 0.3091% | 5,088 |
| Return on assets (ROA) | 0.3091% | 5,082 |
| Pretax return on assets | 0.3091% | 5,127 |
| Return on Equity (ROE) | 2.2691% | 5,101 |
| Retained earnings to average equity (ytd only) | 2.2691% | 4,479 |
| Net charge-offs to loans | 1.0689% | 130 |
| Credit loss provision to net charge-offs | 97.4026% | 2,332 |
| Earnings coverage of net charge-offs (x) | 1.9156% | 3,302 |
| Efficiency ratio | 76.8627% | 1,247 |
| Assets per employee ($millions) | 7.3859% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8843% | 156 |
| Loan loss allowance to noncurrent loans | 91.0632% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 1,309 |
| Noncurrent loans to loans | 3.1674% | 329 |
| Net loans and leases to total assets | 33.6775% | 5,207 |
| Net loans and leases to deposits | 39.5174% | 5,218 |
| Net loans and leases to core deposits | 47.3267% | 5,081 |
| Total domestic deposits to total assets | 85.2218% | 2,520 |
| Equity capital to assets | 14.2654% | 886 |
| Core capital (leverage) ratio | 15.1819% | 658 |
| Tier 1 risk-based capital ratio | 31.1287% | 425 |
| Total risk-based capital ratio | 32.3874% | 423 |
| Memoranda: | ||
| Average total assets | $62,548,750 | 4,758 |
| Average earning assets | $61,260,500 | 4,693 |
| Average equity | $8,520,250 | 4,569 |
| Average total loans | $19,209,250 | 5,155 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1954% | 5,232 |
| Cost of funding earning assets | 0.6474% | 1,938 |
| Net interest margin | 2.5480% | 5,310 |
| Noninterest income to average assets | 0.1727% | 4,961 |
| Noninterest expense to average assets | 2.1067% | 4,592 |
| Loan and lease loss provision to assets | 0.4709% | 247 |
| Net operating income to assets | 0.0910% | 5,299 |
| Return on assets (ROA) | 0.0910% | 5,293 |
| Pretax return on assets | 0.0910% | 5,297 |
| Return on Equity (ROE) | 0.6783% | 5,296 |
| Retained earnings to average equity (ytd only) | 0.6783% | 4,828 |
| Net charge-offs to loans | 1.6292% | 73 |
| Credit loss provision to net charge-offs | 98.0392% | 2,085 |
| Earnings coverage of net charge-offs (x) | 1.1699% | 3,086 |
| Efficiency ratio | 78.9412% | 1,121 |
| Assets per employee ($millions) | 7.5955% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1909% | 115 |
| Loan loss allowance to noncurrent loans | 90.6585% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 1,377 |
| Noncurrent loans to loans | 3.5196% | 275 |
| Net loans and leases to total assets | 29.5586% | 5,335 |
| Net loans and leases to deposits | 34.8730% | 5,342 |
| Net loans and leases to core deposits | 41.3772% | 5,257 |
| Total domestic deposits to total assets | 84.7607% | 2,769 |
| Equity capital to assets | 13.8125% | 981 |
| Core capital (leverage) ratio | 14.4384% | 797 |
| Tier 1 risk-based capital ratio | 31.9117% | 414 |
| Total risk-based capital ratio | 33.1733% | 406 |
| Memoranda: | ||
| Average total assets | $63,702,670 | 4,792 |
| Average earning assets | $62,403,000 | 4,723 |
| Average equity | $8,550,670 | 4,601 |
| Average total loans | $18,782,330 | 5,222 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0970% | 5,316 |
| Cost of funding earning assets | 0.6006% | 2,051 |
| Net interest margin | 2.4964% | 5,397 |
| Noninterest income to average assets | 0.1841% | 4,924 |
| Noninterest expense to average assets | 1.9272% | 4,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7058% | 4,077 |
| Return on assets (ROA) | 0.7058% | 4,086 |
| Pretax return on assets | 0.7058% | 4,427 |
| Return on Equity (ROE) | 5.3306% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.3306% | 3,024 |
| Net charge-offs to loans | 0.2117% | 704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,844 |
| Efficiency ratio | 73.1935% | 2,015 |
| Assets per employee ($millions) | 7.9591% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1192% | 138 |
| Loan loss allowance to noncurrent loans | 93.6000% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 1,598 |
| Noncurrent loans to loans | 3.3324% | 325 |
| Net loans and leases to total assets | 28.5364% | 5,397 |
| Net loans and leases to deposits | 33.0670% | 5,407 |
| Net loans and leases to core deposits | 38.7875% | 5,337 |
| Total domestic deposits to total assets | 86.2987% | 2,403 |
| Equity capital to assets | 13.4201% | 1,062 |
| Core capital (leverage) ratio | 13.9590% | 888 |
| Tier 1 risk-based capital ratio | 27.6047% | 584 |
| Total risk-based capital ratio | 28.8602% | 571 |
| Memoranda: | ||
| Average total assets | $65,172,000 | 4,827 |
| Average earning assets | $63,932,000 | 4,748 |
| Average equity | $8,629,500 | 4,634 |
| Average total loans | $18,897,000 | 5,280 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9968% | 5,357 |
| Cost of funding earning assets | 0.4648% | 2,646 |
| Net interest margin | 2.5320% | 5,390 |
| Noninterest income to average assets | 0.1490% | 5,205 |
| Noninterest expense to average assets | 2.0184% | 4,930 |
| Loan and lease loss provision to assets | 0.1490% | 1,521 |
| Net operating income to assets | 0.4647% | 4,476 |
| Return on assets (ROA) | 0.4647% | 4,511 |
| Pretax return on assets | 0.4647% | 4,985 |
| Return on Equity (ROE) | 3.5246% | 4,677 |
| Retained earnings to average equity (ytd only) | 0.1356% | 4,960 |
| Net charge-offs to loans | 1.8454% | 78 |
| Credit loss provision to net charge-offs | 27.5482% | 3,555 |
| Earnings coverage of net charge-offs (x) | 1.1350% | 3,924 |
| Efficiency ratio | 76.6836% | 1,521 |
| Assets per employee ($millions) | 8.3339% | 563 |
| Cash dividends to net income (ytd only)* | 96.1538% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1252% | 126 |
| Loan loss allowance to noncurrent loans | 69.5906% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.2824% | 1,139 |
| Noncurrent loans to loans | 4.4908% | 182 |
| Net loans and leases to total assets | 27.6642% | 5,478 |
| Net loans and leases to deposits | 32.0609% | 5,492 |
| Net loans and leases to core deposits | 37.4171% | 5,428 |
| Total domestic deposits to total assets | 86.2864% | 2,320 |
| Equity capital to assets | 13.0702% | 1,231 |
| Core capital (leverage) ratio | 13.8646% | 866 |
| Tier 1 risk-based capital ratio | 27.3184% | 580 |
| Total risk-based capital ratio | 28.5740% | 570 |
| Memoranda: | ||
| Average total assets | $67,133,200 | 4,824 |
| Average earning assets | $65,837,400 | 4,748 |
| Average equity | $8,852,000 | 4,636 |
| Average total loans | $19,670,000 | 5,325 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9796% | 5,425 |
| Cost of funding earning assets | 0.4551% | 2,667 |
| Net interest margin | 2.5245% | 5,456 |
| Noninterest income to average assets | 0.1428% | 5,295 |
| Noninterest expense to average assets | 2.0659% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5512% | 4,569 |
| Return on assets (ROA) | 0.5512% | 4,605 |
| Pretax return on assets | 0.5512% | 4,928 |
| Return on Equity (ROE) | 4.1710% | 4,804 |
| Retained earnings to average equity (ytd only) | 2.6707% | 4,297 |
| Net charge-offs to loans | 1.5601% | 99 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.1983% | 3,590 |
| Efficiency ratio | 78.9394% | 1,219 |
| Assets per employee ($millions) | 8.1125% | 608 |
| Cash dividends to net income (ytd only)* | 35.9710% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2370% | 121 |
| Loan loss allowance to noncurrent loans | 42.5561% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.2666% | 519 |
| Noncurrent loans to loans | 7.6064% | 58 |
| Net loans and leases to total assets | 28.8336% | 5,524 |
| Net loans and leases to deposits | 33.6922% | 5,533 |
| Net loans and leases to core deposits | 38.7409% | 5,483 |
| Total domestic deposits to total assets | 85.5794% | 2,484 |
| Equity capital to assets | 13.9553% | 1,010 |
| Core capital (leverage) ratio | 13.7306% | 962 |
| Tier 1 risk-based capital ratio | 26.7990% | 632 |
| Total risk-based capital ratio | 28.0554% | 618 |
| Memoranda: | ||
| Average total assets | $67,248,750 | 4,878 |
| Average earning assets | $65,913,000 | 4,792 |
| Average equity | $8,886,500 | 4,682 |
| Average total loans | $19,827,750 | 5,374 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9206% | 5,494 |
| Cost of funding earning assets | 0.4408% | 2,684 |
| Net interest margin | 2.4798% | 5,518 |
| Noninterest income to average assets | 0.1382% | 5,362 |
| Noninterest expense to average assets | 2.0285% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5409% | 4,569 |
| Return on assets (ROA) | 0.5409% | 4,606 |
| Pretax return on assets | 0.5409% | 4,931 |
| Return on Equity (ROE) | 4.1678% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.1678% | 3,225 |
| Net charge-offs to loans | 2.2611% | 67 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.8142% | 3,343 |
| Efficiency ratio | 78.9474% | 1,340 |
| Assets per employee ($millions) | 8.5439% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3989% | 111 |
| Loan loss allowance to noncurrent loans | 105.6856% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 2,026 |
| Noncurrent loans to loans | 3.2161% | 381 |
| Net loans and leases to total assets | 26.2791% | 5,605 |
| Net loans and leases to deposits | 30.4245% | 5,622 |
| Net loans and leases to core deposits | 35.1934% | 5,584 |
| Total domestic deposits to total assets | 86.3747% | 2,207 |
| Equity capital to assets | 13.2946% | 1,235 |
| Core capital (leverage) ratio | 13.3301% | 1,044 |
| Tier 1 risk-based capital ratio | 26.9655% | 607 |
| Total risk-based capital ratio | 28.2233% | 597 |
| Memoranda: | ||
| Average total assets | $68,031,670 | 4,897 |
| Average earning assets | $66,697,670 | 4,810 |
| Average equity | $8,829,670 | 4,712 |
| Average total loans | $19,990,670 | 5,411 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9275% | 5,522 |
| Cost of funding earning assets | 0.4328% | 2,687 |
| Net interest margin | 2.4947% | 5,549 |
| Noninterest income to average assets | 0.1414% | 5,402 |
| Noninterest expense to average assets | 2.0922% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4950% | 4,619 |
| Return on assets (ROA) | 0.4950% | 4,640 |
| Pretax return on assets | 0.4950% | 4,980 |
| Return on Equity (ROE) | 3.8616% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.8616% | 3,523 |
| Net charge-offs to loans | 0.6187% | 286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 2,569 |
| Efficiency ratio | 80.8656% | 1,275 |
| Assets per employee ($millions) | 8.2874% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0710% | 77 |
| Loan loss allowance to noncurrent loans | 81.8632% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.5671% | 1,000 |
| Noncurrent loans to loans | 4.9729% | 165 |
| Net loans and leases to total assets | 29.3579% | 5,601 |
| Net loans and leases to deposits | 33.9561% | 5,618 |
| Net loans and leases to core deposits | 39.4663% | 5,537 |
| Total domestic deposits to total assets | 86.4583% | 2,462 |
| Equity capital to assets | 13.2642% | 1,159 |
| Core capital (leverage) ratio | 13.5844% | 949 |
| Tier 1 risk-based capital ratio | 26.0173% | 687 |
| Total risk-based capital ratio | 27.2815% | 673 |
| Memoranda: | ||
| Average total assets | $67,872,000 | 4,954 |
| Average earning assets | $66,542,000 | 4,868 |
| Average equity | $8,701,000 | 4,770 |
| Average total loans | $20,689,000 | 5,441 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8607% | 5,606 |
| Cost of funding earning assets | 0.4301% | 2,703 |
| Net interest margin | 2.4306% | 5,623 |
| Noninterest income to average assets | 0.1540% | 5,441 |
| Noninterest expense to average assets | 1.9615% | 5,262 |
| Loan and lease loss provision to assets | 0.2774% | 724 |
| Net operating income to assets | 0.2982% | 5,225 |
| Return on assets (ROA) | 0.5147% | 4,656 |
| Pretax return on assets | 0.5147% | 4,993 |
| Return on Equity (ROE) | 4.0346% | 4,822 |
| Retained earnings to average equity (ytd only) | 0.2284% | 5,229 |
| Net charge-offs to loans | 0.7468% | 277 |
| Credit loss provision to net charge-offs | 129.8701% | 2,070 |
| Earnings coverage of net charge-offs (x) | 2.6948% | 3,785 |
| Efficiency ratio | 77.3100% | 1,800 |
| Assets per employee ($millions) | 8.6806% | 468 |
| Cash dividends to net income (ytd only)* | 94.3396% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0687% | 73 |
| Loan loss allowance to noncurrent loans | 77.0197% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.7208% | 891 |
| Noncurrent loans to loans | 5.2826% | 141 |
| Net loans and leases to total assets | 29.1310% | 5,657 |
| Net loans and leases to deposits | 33.3372% | 5,689 |
| Net loans and leases to core deposits | 38.5811% | 5,626 |
| Total domestic deposits to total assets | 87.3828% | 1,939 |
| Equity capital to assets | 12.3954% | 1,580 |
| Core capital (leverage) ratio | 13.0634% | 1,111 |
| Tier 1 risk-based capital ratio | 25.0498% | 769 |
| Total risk-based capital ratio | 26.3146% | 753 |
| Memoranda: | ||
| Average total assets | $72,087,600 | 4,891 |
| Average earning assets | $70,682,800 | 4,787 |
| Average equity | $9,195,400 | 4,713 |
| Average total loans | $20,622,000 | 5,500 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8530% | 5,693 |
| Cost of funding earning assets | 0.4319% | 2,718 |
| Net interest margin | 2.4211% | 5,705 |
| Noninterest income to average assets | 0.1521% | 5,507 |
| Noninterest expense to average assets | 1.9702% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5553% | 4,474 |
| Return on assets (ROA) | 0.8412% | 3,308 |
| Pretax return on assets | 0.8412% | 4,184 |
| Return on Equity (ROE) | 6.5507% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.1235% | 2,737 |
| Net charge-offs to loans | 0.0130% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 151.3071% | 458 |
| Efficiency ratio | 78.0116% | 1,688 |
| Assets per employee ($millions) | 8.6064% | 464 |
| Cash dividends to net income (ytd only)* | 21.7867% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8916% | 82 |
| Loan loss allowance to noncurrent loans | 57.2843% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.1191% | 714 |
| Noncurrent loans to loans | 6.7935% | 91 |
| Net loans and leases to total assets | 29.0540% | 5,732 |
| Net loans and leases to deposits | 33.9057% | 5,755 |
| Net loans and leases to core deposits | 39.4074% | 5,695 |
| Total domestic deposits to total assets | 85.6908% | 2,516 |
| Equity capital to assets | 13.8749% | 1,089 |
| Core capital (leverage) ratio | 13.2888% | 1,073 |
| Tier 1 risk-based capital ratio | 25.5756% | 757 |
| Total risk-based capital ratio | 26.8372% | 736 |
| Memoranda: | ||
| Average total assets | $72,748,250 | 4,911 |
| Average earning assets | $71,314,750 | 4,805 |
| Average equity | $9,342,250 | 4,732 |
| Average total loans | $20,505,500 | 5,560 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8266% | 5,786 |
| Cost of funding earning assets | 0.4188% | 2,844 |
| Net interest margin | 2.4079% | 5,804 |
| Noninterest income to average assets | 0.1432% | 5,593 |
| Noninterest expense to average assets | 1.9744% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5294% | 4,564 |
| Return on assets (ROA) | 0.6698% | 4,096 |
| Pretax return on assets | 0.6698% | 4,711 |
| Return on Equity (ROE) | 5.3494% | 4,356 |
| Retained earnings to average equity (ytd only) | 3.1924% | 3,867 |
| Net charge-offs to loans | -0.4411% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8565% | 1,662 |
| Assets per employee ($millions) | 8.9873% | 390 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2037% | 65 |
| Loan loss allowance to noncurrent loans | 60.3096% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 2.0585% | 782 |
| Noncurrent loans to loans | 6.9701% | 85 |
| Net loans and leases to total assets | 27.1635% | 5,845 |
| Net loans and leases to deposits | 31.3790% | 5,864 |
| Net loans and leases to core deposits | 36.2358% | 5,813 |
| Total domestic deposits to total assets | 86.5657% | 2,128 |
| Equity capital to assets | 13.1255% | 1,432 |
| Core capital (leverage) ratio | 12.6713% | 1,274 |
| Tier 1 risk-based capital ratio | 24.2690% | 879 |
| Total risk-based capital ratio | 25.5312% | 859 |
| Memoranda: | ||
| Average total assets | $74,047,330 | 4,930 |
| Average earning assets | $72,595,330 | 4,830 |
| Average equity | $9,272,000 | 4,782 |
| Average total loans | $20,402,670 | 5,624 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7093% | 5,901 |
| Cost of funding earning assets | 0.3963% | 3,113 |
| Net interest margin | 2.3129% | 5,925 |
| Noninterest income to average assets | 0.1331% | 5,677 |
| Noninterest expense to average assets | 1.8903% | 5,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5112% | 4,587 |
| Return on assets (ROA) | 0.7881% | 3,411 |
| Pretax return on assets | 0.7881% | 4,231 |
| Return on Equity (ROE) | 6.4421% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.4421% | 2,170 |
| Net charge-offs to loans | 1.6854% | 97 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.1163% | 2,863 |
| Efficiency ratio | 78.7140% | 1,799 |
| Assets per employee ($millions) | 9.2131% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5472% | 127 |
| Loan loss allowance to noncurrent loans | 49.5225% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 2.0691% | 824 |
| Noncurrent loans to loans | 7.1627% | 96 |
| Net loans and leases to total assets | 26.7838% | 5,901 |
| Net loans and leases to deposits | 30.7463% | 5,918 |
| Net loans and leases to core deposits | 35.5143% | 5,869 |
| Total domestic deposits to total assets | 87.1121% | 2,148 |
| Equity capital to assets | 12.6328% | 1,597 |
| Core capital (leverage) ratio | 12.4857% | 1,346 |
| Tier 1 risk-based capital ratio | 24.0922% | 908 |
| Total risk-based capital ratio | 25.3508% | 890 |
| Memoranda: | ||
| Average total assets | $75,122,000 | 4,953 |
| Average earning assets | $73,672,500 | 4,853 |
| Average equity | $9,189,500 | 4,815 |
| Average total loans | $20,410,500 | 5,670 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8511% | 5,849 |
| Cost of funding earning assets | 0.3899% | 3,266 |
| Net interest margin | 2.4612% | 5,851 |
| Noninterest income to average assets | 0.1281% | 5,769 |
| Noninterest expense to average assets | 1.8316% | 5,700 |
| Loan and lease loss provision to assets | 0.1293% | 1,859 |
| Net operating income to assets | 0.5756% | 4,398 |
| Return on assets (ROA) | 0.6131% | 4,303 |
| Pretax return on assets | 0.6131% | 4,799 |
| Return on Equity (ROE) | 5.1622% | 4,422 |
| Retained earnings to average equity (ytd only) | 0.2614% | 5,410 |
| Net charge-offs to loans | 1.4810% | 104 |
| Credit loss provision to net charge-offs | 30.9598% | 3,642 |
| Earnings coverage of net charge-offs (x) | 1.6873% | 4,049 |
| Efficiency ratio | 72.2081% | 2,872 |
| Assets per employee ($millions) | 9.5674% | 312 |
| Cash dividends to net income (ytd only)* | 94.9367% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9894% | 85 |
| Loan loss allowance to noncurrent loans | 49.7244% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 2.2106% | 763 |
| Noncurrent loans to loans | 8.0230% | 76 |
| Net loans and leases to total assets | 25.5321% | 5,987 |
| Net loans and leases to deposits | 29.0371% | 6,004 |
| Net loans and leases to core deposits | 33.3772% | 5,972 |
| Total domestic deposits to total assets | 87.9290% | 1,669 |
| Equity capital to assets | 11.8476% | 2,073 |
| Core capital (leverage) ratio | 11.9317% | 1,660 |
| Tier 1 risk-based capital ratio | 23.2672% | 981 |
| Total risk-based capital ratio | 24.5286% | 968 |
| Memoranda: | ||
| Average total assets | $77,310,000 | 4,922 |
| Average earning assets | $75,655,200 | 4,817 |
| Average equity | $9,182,200 | 4,803 |
| Average total loans | $21,810,000 | 5,651 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8613% | 5,923 |
| Cost of funding earning assets | 0.3904% | 3,318 |
| Net interest margin | 2.4708% | 5,930 |
| Noninterest income to average assets | 0.1221% | 5,865 |
| Noninterest expense to average assets | 1.8253% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7139% | 3,847 |
| Return on assets (ROA) | 0.7294% | 3,876 |
| Pretax return on assets | 0.7294% | 4,574 |
| Return on Equity (ROE) | 6.1376% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.9662% | 3,649 |
| Net charge-offs to loans | 0.3067% | 870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.1371% | 2,843 |
| Efficiency ratio | 71.8835% | 2,903 |
| Assets per employee ($millions) | 9.3530% | 335 |
| Cash dividends to net income (ytd only)* | 35.3782% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4418% | 68 |
| Loan loss allowance to noncurrent loans | 51.8714% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 2.6141% | 636 |
| Noncurrent loans to loans | 8.5632% | 60 |
| Net loans and leases to total assets | 28.2917% | 6,022 |
| Net loans and leases to deposits | 32.4847% | 6,044 |
| Net loans and leases to core deposits | 37.4202% | 5,984 |
| Total domestic deposits to total assets | 87.0924% | 1,988 |
| Equity capital to assets | 12.4880% | 1,748 |
| Core capital (leverage) ratio | 12.3116% | 1,505 |
| Tier 1 risk-based capital ratio | 23.7338% | 974 |
| Total risk-based capital ratio | 24.9987% | 960 |
| Memoranda: | ||
| Average total assets | $77,502,750 | 4,974 |
| Average earning assets | $75,815,750 | 4,872 |
| Average equity | $9,210,750 | 4,863 |
| Average total loans | $22,174,000 | 5,714 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8040% | 6,013 |
| Cost of funding earning assets | 0.3860% | 3,418 |
| Net interest margin | 2.4179% | 6,032 |
| Noninterest income to average assets | 0.1531% | 5,796 |
| Noninterest expense to average assets | 1.7578% | 5,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7602% | 3,590 |
| Return on assets (ROA) | 0.7628% | 3,678 |
| Pretax return on assets | 0.7628% | 4,444 |
| Return on Equity (ROE) | 6.5239% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.2510% | 3,977 |
| Net charge-offs to loans | 0.4599% | 556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.8431% | 2,875 |
| Efficiency ratio | 69.8075% | 3,359 |
| Assets per employee ($millions) | 9.3890% | 328 |
| Cash dividends to net income (ytd only)* | 50.1672% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4416% | 78 |
| Loan loss allowance to noncurrent loans | 59.8904% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.2659% | 905 |
| Noncurrent loans to loans | 7.4163% | 105 |
| Net loans and leases to total assets | 28.1846% | 6,093 |
| Net loans and leases to deposits | 32.2154% | 6,117 |
| Net loans and leases to core deposits | 37.0610% | 6,044 |
| Total domestic deposits to total assets | 87.4880% | 1,911 |
| Equity capital to assets | 12.1845% | 1,884 |
| Core capital (leverage) ratio | 11.9767% | 1,676 |
| Tier 1 risk-based capital ratio | 23.5597% | 998 |
| Total risk-based capital ratio | 24.8248% | 983 |
| Memoranda: | ||
| Average total assets | $78,395,670 | 5,009 |
| Average earning assets | $76,677,000 | 4,898 |
| Average equity | $9,166,330 | 4,907 |
| Average total loans | $22,181,000 | 5,771 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6376% | 6,164 |
| Cost of funding earning assets | 0.3775% | 3,560 |
| Net interest margin | 2.2601% | 6,177 |
| Noninterest income to average assets | 0.1499% | 5,841 |
| Noninterest expense to average assets | 1.7042% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6597% | 4,009 |
| Return on assets (ROA) | 0.6647% | 4,102 |
| Pretax return on assets | 0.6647% | 4,712 |
| Return on Equity (ROE) | 5.7993% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.7993% | 2,606 |
| Net charge-offs to loans | 0.1262% | 1,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 18.8571% | 1,471 |
| Efficiency ratio | 72.0930% | 3,156 |
| Assets per employee ($millions) | 9.9159% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6855% | 81 |
| Loan loss allowance to noncurrent loans | 42.6202% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 3.0406% | 618 |
| Noncurrent loans to loans | 10.9936% | 46 |
| Net loans and leases to total assets | 26.3618% | 6,180 |
| Net loans and leases to deposits | 29.9530% | 6,199 |
| Net loans and leases to core deposits | 34.1845% | 6,136 |
| Total domestic deposits to total assets | 88.0104% | 1,811 |
| Equity capital to assets | 11.7463% | 2,244 |
| Core capital (leverage) ratio | 11.8226% | 1,760 |
| Tier 1 risk-based capital ratio | 23.0458% | 1,100 |
| Total risk-based capital ratio | 24.3133% | 1,078 |
| Memoranda: | ||
| Average total assets | $80,037,500 | 5,023 |
| Average earning assets | $78,403,500 | 4,909 |
| Average equity | $9,173,500 | 4,947 |
| Average total loans | $22,194,500 | 5,817 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0886% | 5,971 |
| Cost of funding earning assets | 0.3895% | 3,799 |
| Net interest margin | 2.6991% | 5,938 |
| Noninterest income to average assets | 0.2157% | 5,565 |
| Noninterest expense to average assets | 1.8050% | 6,060 |
| Loan and lease loss provision to assets | 0.2901% | 719 |
| Net operating income to assets | 0.7606% | 3,564 |
| Return on assets (ROA) | 1.0532% | 2,214 |
| Pretax return on assets | 1.0532% | 3,286 |
| Return on Equity (ROE) | 9.4314% | 2,369 |
| Retained earnings to average equity (ytd only) | 0.3953% | 5,597 |
| Net charge-offs to loans | 0.5909% | 675 |
| Credit loss provision to net charge-offs | 170.3704% | 1,429 |
| Earnings coverage of net charge-offs (x) | 6.1704% | 3,256 |
| Efficiency ratio | 63.2067% | 4,720 |
| Assets per employee ($millions) | 10.0935% | 246 |
| Cash dividends to net income (ytd only)* | 95.8084% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6105% | 87 |
| Loan loss allowance to noncurrent loans | 124.1007% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.0328% | 2,679 |
| Noncurrent loans to loans | 3.7151% | 530 |
| Net loans and leases to total assets | 26.5195% | 6,269 |
| Net loans and leases to deposits | 30.0961% | 6,294 |
| Net loans and leases to core deposits | 34.2580% | 6,233 |
| Total domestic deposits to total assets | 88.1161% | 1,711 |
| Equity capital to assets | 11.1817% | 2,717 |
| Core capital (leverage) ratio | 11.3291% | 2,107 |
| Tier 1 risk-based capital ratio | 23.7894% | 979 |
| Total risk-based capital ratio | 25.0588% | 952 |
| Memoranda: | ||
| Average total assets | $79,279,000 | 5,082 |
| Average earning assets | $77,544,200 | 4,939 |
| Average equity | $8,853,400 | 5,009 |
| Average total loans | $22,848,400 | 5,860 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1281% | 5,988 |
| Cost of funding earning assets | 0.3923% | 3,874 |
| Net interest margin | 2.7358% | 5,966 |
| Noninterest income to average assets | 0.2349% | 5,522 |
| Noninterest expense to average assets | 1.7842% | 6,112 |
| Loan and lease loss provision to assets | 0.0845% | 2,667 |
| Net operating income to assets | 1.0408% | 2,276 |
| Return on assets (ROA) | 1.2030% | 1,739 |
| Pretax return on assets | 1.2030% | 2,769 |
| Return on Equity (ROE) | 10.7760% | 1,881 |
| Retained earnings to average equity (ytd only) | 7.7490% | 1,466 |
| Net charge-offs to loans | 0.7147% | 485 |
| Credit loss provision to net charge-offs | 40.6504% | 3,275 |
| Earnings coverage of net charge-offs (x) | 5.4145% | 3,265 |
| Efficiency ratio | 61.3240% | 4,984 |
| Assets per employee ($millions) | 9.8989% | 249 |
| Cash dividends to net income (ytd only)* | 28.0899% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7573% | 193 |
| Loan loss allowance to noncurrent loans | 130.3759% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 3,316 |
| Noncurrent loans to loans | 2.8819% | 942 |
| Net loans and leases to total assets | 28.0436% | 6,317 |
| Net loans and leases to deposits | 31.9788% | 6,344 |
| Net loans and leases to core deposits | 36.5053% | 6,273 |
| Total domestic deposits to total assets | 87.6943% | 1,921 |
| Equity capital to assets | 11.9408% | 2,110 |
| Core capital (leverage) ratio | 11.9148% | 1,750 |
| Tier 1 risk-based capital ratio | 24.1682% | 972 |
| Total risk-based capital ratio | 25.4312% | 944 |
| Memoranda: | ||
| Average total assets | $78,911,750 | 5,148 |
| Average earning assets | $77,148,250 | 5,000 |
| Average equity | $8,809,500 | 5,062 |
| Average total loans | $22,948,250 | 5,916 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1501% | 6,004 |
| Cost of funding earning assets | 0.3918% | 3,968 |
| Net interest margin | 2.7583% | 5,976 |
| Noninterest income to average assets | 0.1954% | 5,793 |
| Noninterest expense to average assets | 1.7534% | 6,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1393% | 1,785 |
| Return on assets (ROA) | 1.1774% | 1,736 |
| Pretax return on assets | 1.1774% | 2,772 |
| Return on Equity (ROE) | 10.7982% | 1,806 |
| Retained earnings to average equity (ytd only) | 6.1438% | 2,238 |
| Net charge-offs to loans | 0.1921% | 1,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.4091% | 1,583 |
| Efficiency ratio | 60.6140% | 5,209 |
| Assets per employee ($millions) | 9.8248% | 246 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0602% | 165 |
| Loan loss allowance to noncurrent loans | 171.5888% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 3,948 |
| Noncurrent loans to loans | 2.3662% | 1,352 |
| Net loans and leases to total assets | 27.5987% | 6,378 |
| Net loans and leases to deposits | 31.3170% | 6,405 |
| Net loans and leases to core deposits | 36.0296% | 6,331 |
| Total domestic deposits to total assets | 88.1269% | 1,834 |
| Equity capital to assets | 11.5843% | 2,346 |
| Core capital (leverage) ratio | 11.8257% | 1,770 |
| Tier 1 risk-based capital ratio | 23.4798% | 1,048 |
| Total risk-based capital ratio | 24.7422% | 1,032 |
| Memoranda: | ||
| Average total assets | $78,818,670 | 5,189 |
| Average earning assets | $77,076,670 | 5,043 |
| Average equity | $8,594,000 | 5,139 |
| Average total loans | $22,906,000 | 5,964 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1591% | 6,055 |
| Cost of funding earning assets | 0.3890% | 4,097 |
| Net interest margin | 2.7700% | 6,000 |
| Noninterest income to average assets | 0.1875% | 5,842 |
| Noninterest expense to average assets | 1.7129% | 6,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1808% | 1,537 |
| Return on assets (ROA) | 1.2011% | 1,548 |
| Pretax return on assets | 1.2011% | 2,482 |
| Return on Equity (ROE) | 11.3690% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.3690% | 693 |
| Net charge-offs to loans | 0.1735% | 1,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 23.3000% | 1,217 |
| Efficiency ratio | 59.1944% | 5,510 |
| Assets per employee ($millions) | 11.2229% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2127% | 159 |
| Loan loss allowance to noncurrent loans | 140.6959% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 3,622 |
| Noncurrent loans to loans | 2.9942% | 1,054 |
| Net loans and leases to total assets | 26.9170% | 6,445 |
| Net loans and leases to deposits | 30.3025% | 6,476 |
| Net loans and leases to core deposits | 34.8071% | 6,387 |
| Total domestic deposits to total assets | 88.8276% | 1,763 |
| Equity capital to assets | 10.9483% | 2,767 |
| Core capital (leverage) ratio | 11.6417% | 1,869 |
| Tier 1 risk-based capital ratio | 23.7412% | 1,042 |
| Total risk-based capital ratio | 25.0058% | 1,023 |
| Memoranda: | ||
| Average total assets | $78,929,000 | 5,225 |
| Average earning assets | $77,111,000 | 5,088 |
| Average equity | $8,338,500 | 5,210 |
| Average total loans | $23,054,000 | 6,019 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8647% | 6,456 |
| Cost of funding earning assets | 0.4357% | 4,257 |
| Net interest margin | 2.4291% | 6,423 |
| Noninterest income to average assets | 0.1351% | 6,259 |
| Noninterest expense to average assets | 1.8070% | 6,305 |
| Loan and lease loss provision to assets | 0.0372% | 4,373 |
| Net operating income to assets | 0.6197% | 4,168 |
| Return on assets (ROA) | 0.6246% | 4,255 |
| Pretax return on assets | 0.6246% | 4,790 |
| Return on Equity (ROE) | 5.8576% | 4,171 |
| Retained earnings to average equity (ytd only) | 0.0465% | 5,826 |
| Net charge-offs to loans | 0.0868% | 3,991 |
| Credit loss provision to net charge-offs | 150.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,293 |
| Efficiency ratio | 73.3400% | 3,242 |
| Assets per employee ($millions) | 9.9123% | 239 |
| Cash dividends to net income (ytd only)* | 99.2063% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9115% | 214 |
| Loan loss allowance to noncurrent loans | 85.2995% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.3897% | 2,662 |
| Noncurrent loans to loans | 4.5856% | 576 |
| Net loans and leases to total assets | 29.1205% | 6,491 |
| Net loans and leases to deposits | 32.5244% | 6,519 |
| Net loans and leases to core deposits | 37.1984% | 6,440 |
| Total domestic deposits to total assets | 89.5344% | 1,312 |
| Equity capital to assets | 10.1844% | 3,529 |
| Core capital (leverage) ratio | 11.0677% | 2,325 |
| Tier 1 risk-based capital ratio | 22.3433% | 1,199 |
| Total risk-based capital ratio | 23.6073% | 1,174 |
| Memoranda: | ||
| Average total assets | $80,687,400 | 5,224 |
| Average earning assets | $77,355,200 | 5,112 |
| Average equity | $8,604,200 | 5,191 |
| Average total loans | $23,048,800 | 6,077 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7837% | 6,577 |
| Cost of funding earning assets | 0.4433% | 4,349 |
| Net interest margin | 2.3404% | 6,562 |
| Noninterest income to average assets | 0.1037% | 6,469 |
| Noninterest expense to average assets | 1.8461% | 6,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4903% | 4,835 |
| Return on assets (ROA) | 0.4969% | 4,973 |
| Pretax return on assets | 0.4969% | 5,364 |
| Return on Equity (ROE) | 4.6091% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.4644% | 4,221 |
| Net charge-offs to loans | 0.1052% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.5550% | 1,796 |
| Efficiency ratio | 79.0141% | 2,256 |
| Assets per employee ($millions) | 9.9900% | 234 |
| Cash dividends to net income (ytd only)* | 24.8348% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9551% | 248 |
| Loan loss allowance to noncurrent loans | 82.3105% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 2,882 |
| Noncurrent loans to loans | 4.8051% | 648 |
| Net loans and leases to total assets | 27.7115% | 6,605 |
| Net loans and leases to deposits | 31.0017% | 6,643 |
| Net loans and leases to core deposits | 35.9628% | 6,560 |
| Total domestic deposits to total assets | 89.3869% | 1,366 |
| Equity capital to assets | 10.2703% | 3,546 |
| Core capital (leverage) ratio | 11.3422% | 2,171 |
| Tier 1 risk-based capital ratio | 23.1152% | 1,123 |
| Total risk-based capital ratio | 24.3784% | 1,105 |
| Memoranda: | ||
| Average total assets | $81,034,750 | 5,258 |
| Average earning assets | $77,305,750 | 5,160 |
| Average equity | $8,736,250 | 5,205 |
| Average total loans | $22,803,000 | 6,150 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7326% | 6,645 |
| Cost of funding earning assets | 0.4469% | 4,461 |
| Net interest margin | 2.2857% | 6,632 |
| Noninterest income to average assets | 0.0516% | 6,668 |
| Noninterest expense to average assets | 1.8967% | 6,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3415% | 5,439 |
| Return on assets (ROA) | 0.3513% | 5,577 |
| Pretax return on assets | 0.3513% | 5,747 |
| Return on Equity (ROE) | 3.2090% | 5,540 |
| Retained earnings to average equity (ytd only) | 3.2090% | 4,267 |
| Net charge-offs to loans | 0.1761% | 2,710 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.9500% | 2,622 |
| Efficiency ratio | 84.7420% | 1,555 |
| Assets per employee ($millions) | 9.8419% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0148% | 255 |
| Loan loss allowance to noncurrent loans | 101.9037% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.1342% | 3,473 |
| Noncurrent loans to loans | 3.9398% | 1,000 |
| Net loans and leases to total assets | 27.6319% | 6,639 |
| Net loans and leases to deposits | 30.9884% | 6,678 |
| Net loans and leases to core deposits | 36.2419% | 6,598 |
| Total domestic deposits to total assets | 89.1687% | 1,525 |
| Equity capital to assets | 10.5137% | 3,284 |
| Core capital (leverage) ratio | 11.3702% | 2,041 |
| Tier 1 risk-based capital ratio | 23.3463% | 1,084 |
| Total risk-based capital ratio | 24.6109% | 1,063 |
| Memoranda: | ||
| Average total assets | $81,406,330 | 5,288 |
| Average earning assets | $77,874,000 | 5,172 |
| Average equity | $8,912,330 | 5,190 |
| Average total loans | $22,717,670 | 6,186 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7391% | 6,716 |
| Cost of funding earning assets | 0.4498% | 4,595 |
| Net interest margin | 2.2894% | 6,689 |
| Noninterest income to average assets | -0.0822% | 6,913 |
| Noninterest expense to average assets | 1.9289% | 6,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1789% | 5,953 |
| Return on assets (ROA) | 0.1982% | 6,008 |
| Pretax return on assets | 0.1982% | 6,083 |
| Return on Equity (ROE) | 1.7769% | 6,006 |
| Retained earnings to average equity (ytd only) | 1.7769% | 5,098 |
| Net charge-offs to loans | 0.3517% | 1,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.8500% | 3,221 |
| Efficiency ratio | 91.5138% | 1,027 |
| Assets per employee ($millions) | 10.1691% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1534% | 248 |
| Loan loss allowance to noncurrent loans | 256.3380% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 5,291 |
| Noncurrent loans to loans | 1.6203% | 3,106 |
| Net loans and leases to total assets | 25.8134% | 6,735 |
| Net loans and leases to deposits | 29.1987% | 6,764 |
| Net loans and leases to core deposits | 33.9377% | 6,676 |
| Total domestic deposits to total assets | 88.4061% | 2,063 |
| Equity capital to assets | 11.3555% | 2,576 |
| Core capital (leverage) ratio | 11.0208% | 2,246 |
| Tier 1 risk-based capital ratio | 23.4439% | 1,088 |
| Total risk-based capital ratio | 24.7075% | 1,069 |
| Memoranda: | ||
| Average total assets | $82,742,000 | 5,305 |
| Average earning assets | $79,149,000 | 5,181 |
| Average equity | $9,229,500 | 5,176 |
| Average total loans | $22,743,500 | 6,240 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1407% | 6,696 |
| Cost of funding earning assets | 0.5395% | 4,908 |
| Net interest margin | 2.6012% | 6,631 |
| Noninterest income to average assets | 0.1066% | 6,480 |
| Noninterest expense to average assets | 1.8581% | 6,542 |
| Loan and lease loss provision to assets | 0.1054% | 4,321 |
| Net operating income to assets | 0.6173% | 4,155 |
| Return on assets (ROA) | 1.2420% | 1,634 |
| Pretax return on assets | 1.2420% | 2,631 |
| Return on Equity (ROE) | 10.3772% | 2,010 |
| Retained earnings to average equity (ytd only) | 0.0725% | 5,796 |
| Net charge-offs to loans | 0.6681% | 1,764 |
| Credit loss provision to net charge-offs | 52.1472% | 4,640 |
| Earnings coverage of net charge-offs (x) | 3.5767% | 3,677 |
| Efficiency ratio | 71.9981% | 3,417 |
| Assets per employee ($millions) | 10.5164% | 198 |
| Cash dividends to net income (ytd only)* | 99.3014% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9445% | 298 |
| Loan loss allowance to noncurrent loans | 143.7403% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.2445% | 3,569 |
| Noncurrent loans to loans | 2.7442% | 1,928 |
| Net loans and leases to total assets | 26.9187% | 6,786 |
| Net loans and leases to deposits | 30.4207% | 6,818 |
| Net loans and leases to core deposits | 35.0356% | 6,746 |
| Total domestic deposits to total assets | 88.4882% | 1,908 |
| Equity capital to assets | 10.9603% | 3,001 |
| Core capital (leverage) ratio | 11.3781% | 1,953 |
| Tier 1 risk-based capital ratio | 22.1212% | 1,244 |
| Total risk-based capital ratio | 23.3829% | 1,209 |
| Memoranda: | ||
| Average total assets | $80,673,200 | 5,337 |
| Average earning assets | $76,734,600 | 5,221 |
| Average equity | $9,655,800 | 5,063 |
| Average total loans | $24,396,000 | 6,225 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2897% | 6,733 |
| Cost of funding earning assets | 0.5553% | 5,043 |
| Net interest margin | 2.7344% | 6,600 |
| Noninterest income to average assets | 0.1103% | 6,585 |
| Noninterest expense to average assets | 1.8811% | 6,556 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8370% | 3,276 |
| Return on assets (ROA) | 1.6572% | 833 |
| Pretax return on assets | 1.6572% | 1,396 |
| Return on Equity (ROE) | 13.5453% | 1,211 |
| Retained earnings to average equity (ytd only) | 9.1076% | 1,183 |
| Net charge-offs to loans | 0.4336% | 2,364 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 6.2627% | 2,823 |
| Efficiency ratio | 69.2071% | 3,839 |
| Assets per employee ($millions) | 9.9508% | 242 |
| Cash dividends to net income (ytd only)* | 32.7620% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0595% | 292 |
| Loan loss allowance to noncurrent loans | 83.5284% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.8981% | 2,787 |
| Noncurrent loans to loans | 4.8600% | 941 |
| Net loans and leases to total assets | 27.5507% | 6,890 |
| Net loans and leases to deposits | 32.1716% | 6,910 |
| Net loans and leases to core deposits | 37.6070% | 6,815 |
| Total domestic deposits to total assets | 85.6368% | 3,444 |
| Equity capital to assets | 12.7453% | 1,746 |
| Core capital (leverage) ratio | 11.7539% | 1,808 |
| Tier 1 risk-based capital ratio | 25.0117% | 907 |
| Total risk-based capital ratio | 26.2756% | 897 |
| Memoranda: | ||
| Average total assets | $79,808,750 | 5,406 |
| Average earning assets | $76,115,250 | 5,288 |
| Average equity | $9,764,500 | 5,087 |
| Average total loans | $24,600,750 | 6,303 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4180% | 6,710 |
| Cost of funding earning assets | 0.5701% | 5,150 |
| Net interest margin | 2.8479% | 6,500 |
| Noninterest income to average assets | 0.2053% | 6,092 |
| Noninterest expense to average assets | 1.8479% | 6,688 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0591% | 2,208 |
| Return on assets (ROA) | 2.2410% | 302 |
| Pretax return on assets | 2.2410% | 459 |
| Return on Equity (ROE) | 18.5736% | 448 |
| Retained earnings to average equity (ytd only) | 11.8290% | 613 |
| Net charge-offs to loans | 0.6751% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.9765% | 2,942 |
| Efficiency ratio | 63.5659% | 4,974 |
| Assets per employee ($millions) | 10.2433% | 214 |
| Cash dividends to net income (ytd only)* | 36.3128% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0383% | 332 |
| Loan loss allowance to noncurrent loans | 152.8146% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6889% | 3,188 |
| Noncurrent loans to loans | 2.6426% | 2,276 |
| Net loans and leases to total assets | 26.7652% | 6,961 |
| Net loans and leases to deposits | 30.5644% | 6,992 |
| Net loans and leases to core deposits | 35.6692% | 6,918 |
| Total domestic deposits to total assets | 87.5699% | 2,420 |
| Equity capital to assets | 11.8627% | 2,256 |
| Core capital (leverage) ratio | 11.7910% | 1,733 |
| Tier 1 risk-based capital ratio | 24.6283% | 938 |
| Total risk-based capital ratio | 25.8932% | 923 |
| Memoranda: | ||
| Average total assets | $79,876,330 | 5,436 |
| Average earning assets | $75,776,330 | 5,333 |
| Average equity | $9,637,330 | 5,125 |
| Average total loans | $25,181,000 | 6,308 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 6,382 |
| Cost of funding earning assets | 0.6029% | 5,101 |
| Net interest margin | 3.1317% | 5,951 |
| Noninterest income to average assets | 0.2080% | 6,137 |
| Noninterest expense to average assets | 1.8772% | 6,683 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3090% | 1,436 |
| Return on assets (ROA) | 3.0745% | 118 |
| Pretax return on assets | 3.0745% | 173 |
| Return on Equity (ROE) | 25.2618% | 177 |
| Retained earnings to average equity (ytd only) | 25.2618% | 90 |
| Net charge-offs to loans | 0.8503% | 1,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.6071% | 2,545 |
| Efficiency ratio | 58.9172% | 5,780 |
| Assets per employee ($millions) | 8.7842% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8583% | 413 |
| Loan loss allowance to noncurrent loans | 161.9048% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 1.7304% | 3,264 |
| Noncurrent loans to loans | 2.3831% | 2,721 |
| Net loans and leases to total assets | 30.0058% | 6,908 |
| Net loans and leases to deposits | 34.4596% | 6,936 |
| Net loans and leases to core deposits | 40.3086% | 6,807 |
| Total domestic deposits to total assets | 87.0753% | 2,917 |
| Equity capital to assets | 12.3947% | 1,794 |
| Core capital (leverage) ratio | 12.3031% | 1,434 |
| Tier 1 risk-based capital ratio | 25.0713% | 900 |
| Total risk-based capital ratio | 26.3359% | 885 |
| Memoranda: | ||
| Average total assets | $78,841,500 | 5,519 |
| Average earning assets | $74,974,500 | 5,399 |
| Average equity | $9,595,500 | 5,147 |
| Average total loans | $26,343,500 | 6,287 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 5,838 |
| Cost of funding earning assets | 1.0856% | 2,764 |
| Net interest margin | 3.1892% | 6,126 |
| Noninterest income to average assets | 0.2507% | 5,739 |
| Noninterest expense to average assets | 1.8892% | 6,845 |
| Loan and lease loss provision to assets | 0.5937% | 1,745 |
| Net operating income to assets | 0.8219% | 2,945 |
| Return on assets (ROA) | 1.3259% | 1,277 |
| Pretax return on assets | 1.3259% | 2,035 |
| Return on Equity (ROE) | 10.5854% | 1,847 |
| Retained earnings to average equity (ytd only) | 0.1580% | 5,765 |
| Net charge-offs to loans | 1.7549% | 852 |
| Credit loss provision to net charge-offs | 91.8367% | 3,930 |
| Earnings coverage of net charge-offs (x) | 2.1898% | 4,145 |
| Efficiency ratio | 57.1657% | 6,169 |
| Assets per employee ($millions) | 9.8281% | 248 |
| Cash dividends to net income (ytd only)* | 98.5075% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5983% | 504 |
| Loan loss allowance to noncurrent loans | 184.2779% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 1.6878% | 3,419 |
| Noncurrent loans to loans | 1.9527% | 3,269 |
| Net loans and leases to total assets | 34.3466% | 6,852 |
| Net loans and leases to deposits | 39.2880% | 6,913 |
| Net loans and leases to core deposits | 46.5933% | 6,713 |
| Total domestic deposits to total assets | 87.4226% | 2,515 |
| Equity capital to assets | 11.9453% | 2,170 |
| Core capital (leverage) ratio | 11.8923% | 1,663 |
| Tier 1 risk-based capital ratio | 21.2348% | 1,373 |
| Total risk-based capital ratio | 22.4989% | 1,346 |
| Memoranda: | ||
| Average total assets | $75,797,600 | 5,579 |
| Average earning assets | $72,588,800 | 5,460 |
| Average equity | $9,494,200 | 5,156 |
| Average total loans | $27,921,800 | 6,253 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 5,830 |
| Cost of funding earning assets | 1.1952% | 2,344 |
| Net interest margin | 3.1404% | 6,312 |
| Noninterest income to average assets | 0.2788% | 5,617 |
| Noninterest expense to average assets | 1.8928% | 6,855 |
| Loan and lease loss provision to assets | 0.4439% | 2,254 |
| Net operating income to assets | 0.9606% | 2,481 |
| Return on assets (ROA) | 1.3512% | 1,346 |
| Pretax return on assets | 1.3512% | 2,109 |
| Return on Equity (ROE) | 10.6583% | 1,970 |
| Retained earnings to average equity (ytd only) | 7.1569% | 1,883 |
| Net charge-offs to loans | 1.8543% | 713 |
| Credit loss provision to net charge-offs | 64.4330% | 4,655 |
| Earnings coverage of net charge-offs (x) | 2.0387% | 4,127 |
| Efficiency ratio | 57.4044% | 6,094 |
| Assets per employee ($millions) | 9.3080% | 299 |
| Cash dividends to net income (ytd only)* | 32.8520% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1434% | 767 |
| Loan loss allowance to noncurrent loans | 145.6000% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.4302% | 3,974 |
| Noncurrent loans to loans | 2.1589% | 3,166 |
| Net loans and leases to total assets | 37.6558% | 6,792 |
| Net loans and leases to deposits | 43.9629% | 6,836 |
| Net loans and leases to core deposits | 51.7047% | 6,582 |
| Total domestic deposits to total assets | 85.6535% | 3,415 |
| Equity capital to assets | 13.5999% | 1,327 |
| Core capital (leverage) ratio | 12.5476% | 1,417 |
| Tier 1 risk-based capital ratio | 22.2824% | 1,241 |
| Total risk-based capital ratio | 23.5441% | 1,216 |
| Memoranda: | ||
| Average total assets | $75,090,750 | 5,644 |
| Average earning assets | $72,175,250 | 5,508 |
| Average equity | $9,519,750 | 5,172 |
| Average total loans | $27,899,000 | 6,309 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 6,241 |
| Cost of funding earning assets | 1.3630% | 1,585 |
| Net interest margin | 2.8560% | 6,855 |
| Noninterest income to average assets | 0.3161% | 5,366 |
| Noninterest expense to average assets | 1.9124% | 6,931 |
| Loan and lease loss provision to assets | 0.2656% | 3,278 |
| Net operating income to assets | 0.8818% | 2,729 |
| Return on assets (ROA) | 1.4051% | 1,135 |
| Pretax return on assets | 1.4051% | 1,786 |
| Return on Equity (ROE) | 11.3552% | 1,684 |
| Retained earnings to average equity (ytd only) | 5.9888% | 2,441 |
| Net charge-offs to loans | 2.5700% | 447 |
| Credit loss provision to net charge-offs | 28.2486% | 5,017 |
| Earnings coverage of net charge-offs (x) | 1.2203% | 4,373 |
| Efficiency ratio | 62.5000% | 5,501 |
| Assets per employee ($millions) | 9.3535% | 293 |
| Cash dividends to net income (ytd only)* | 47.2590% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9171% | 966 |
| Loan loss allowance to noncurrent loans | 81.0204% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.9672% | 3,278 |
| Noncurrent loans to loans | 3.6004% | 1,956 |
| Net loans and leases to total assets | 35.3143% | 6,993 |
| Net loans and leases to deposits | 40.8045% | 7,037 |
| Net loans and leases to core deposits | 48.1935% | 6,848 |
| Total domestic deposits to total assets | 86.5451% | 3,015 |
| Equity capital to assets | 12.7466% | 1,649 |
| Core capital (leverage) ratio | 12.2856% | 1,460 |
| Tier 1 risk-based capital ratio | 22.5412% | 1,186 |
| Total risk-based capital ratio | 23.8008% | 1,162 |
| Memoranda: | ||
| Average total assets | $75,299,670 | 5,679 |
| Average earning assets | $72,338,670 | 5,545 |
| Average equity | $9,317,330 | 5,229 |
| Average total loans | $27,548,670 | 6,388 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 6,383 |
| Cost of funding earning assets | 1.4839% | 1,237 |
| Net interest margin | 2.6710% | 7,048 |
| Noninterest income to average assets | 0.4342% | 4,419 |
| Noninterest expense to average assets | 1.8746% | 7,035 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1332% | 1,726 |
| Return on assets (ROA) | 1.1332% | 1,772 |
| Pretax return on assets | 1.1332% | 2,632 |
| Return on Equity (ROE) | 9.2973% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.2973% | 1,293 |
| Net charge-offs to loans | 0.8516% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.6271% | 2,687 |
| Efficiency ratio | 62.3239% | 5,631 |
| Assets per employee ($millions) | 9.4686% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5820% | 569 |
| Loan loss allowance to noncurrent loans | 120.9046% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 4,507 |
| Noncurrent loans to loans | 2.9627% | 2,537 |
| Net loans and leases to total assets | 35.1437% | 7,046 |
| Net loans and leases to deposits | 41.6969% | 7,033 |
| Net loans and leases to core deposits | 48.7243% | 6,845 |
| Total domestic deposits to total assets | 84.2836% | 4,375 |
| Equity capital to assets | 12.3790% | 1,694 |
| Core capital (leverage) ratio | 12.0104% | 1,558 |
| Tier 1 risk-based capital ratio | 22.9093% | 1,096 |
| Total risk-based capital ratio | 24.1736% | 1,078 |
| Memoranda: | ||
| Average total assets | $75,535,500 | 5,712 |
| Average earning assets | $72,782,000 | 5,579 |
| Average equity | $9,207,000 | 5,260 |
| Average total loans | $27,713,500 | 6,428 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 5,718 |
| Cost of funding earning assets | 1.7096% | 1,555 |
| Net interest margin | 3.0132% | 6,711 |
| Noninterest income to average assets | 0.1558% | 6,609 |
| Noninterest expense to average assets | 2.0724% | 6,906 |
| Loan and lease loss provision to assets | 0.6474% | 2,550 |
| Net operating income to assets | 0.3173% | 4,877 |
| Return on assets (ROA) | 0.6516% | 3,579 |
| Pretax return on assets | 0.6516% | 4,161 |
| Return on Equity (ROE) | 4.8983% | 4,111 |
| Retained earnings to average equity (ytd only) | 0.1065% | 5,529 |
| Net charge-offs to loans | 1.6128% | 1,346 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.4902% | 4,637 |
| Efficiency ratio | 68.2369% | 4,512 |
| Assets per employee ($millions) | 9.4153% | 292 |
| Cash dividends to net income (ytd only)* | 97.8261% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7675% | 487 |
| Loan loss allowance to noncurrent loans | 109.9685% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.3316% | 4,361 |
| Noncurrent loans to loans | 3.4260% | 2,215 |
| Net loans and leases to total assets | 35.5394% | 7,178 |
| Net loans and leases to deposits | 44.4542% | 7,104 |
| Net loans and leases to core deposits | 52.2730% | 6,893 |
| Total domestic deposits to total assets | 79.9461% | 5,853 |
| Equity capital to assets | 11.9978% | 1,912 |
| Core capital (leverage) ratio | 12.2816% | 1,397 |
| Tier 1 risk-based capital ratio | 22.6251% | 1,085 |
| Total risk-based capital ratio | 23.8934% | 1,066 |
| Memoranda: | ||
| Average total assets | $70,595,400 | 5,866 |
| Average earning assets | $67,502,000 | 5,755 |
| Average equity | $9,391,000 | 5,299 |
| Average total loans | $28,335,400 | 6,482 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 5,386 |
| Cost of funding earning assets | 1.7659% | 1,567 |
| Net interest margin | 3.1069% | 6,598 |
| Noninterest income to average assets | 0.1556% | 6,750 |
| Noninterest expense to average assets | 2.0725% | 6,907 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0468% | 2,082 |
| Return on assets (ROA) | 1.4022% | 1,172 |
| Pretax return on assets | 1.4022% | 1,873 |
| Return on Equity (ROE) | 10.2675% | 2,018 |
| Retained earnings to average equity (ytd only) | 6.7512% | 1,969 |
| Net charge-offs to loans | 1.2225% | 1,675 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 2.0881% | 4,159 |
| Efficiency ratio | 66.4409% | 4,766 |
| Assets per employee ($millions) | 8.7566% | 379 |
| Cash dividends to net income (ytd only)* | 34.2471% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7812% | 1,017 |
| Loan loss allowance to noncurrent loans | 46.3760% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 2.5352% | 2,831 |
| Noncurrent loans to loans | 5.9971% | 1,042 |
| Net loans and leases to total assets | 39.2703% | 7,118 |
| Net loans and leases to deposits | 50.9964% | 6,949 |
| Net loans and leases to core deposits | 60.8736% | 6,547 |
| Total domestic deposits to total assets | 77.0060% | 6,478 |
| Equity capital to assets | 14.2592% | 1,101 |
| Core capital (leverage) ratio | 13.6981% | 994 |
| Tier 1 risk-based capital ratio | 24.0599% | 939 |
| Total risk-based capital ratio | 25.3185% | 912 |
| Memoranda: | ||
| Average total assets | $69,413,750 | 5,956 |
| Average earning assets | $66,216,250 | 5,858 |
| Average equity | $9,479,500 | 5,349 |
| Average total loans | $28,465,000 | 6,559 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 5,326 |
| Cost of funding earning assets | 1.7925% | 1,669 |
| Net interest margin | 3.1225% | 6,546 |
| Noninterest income to average assets | 0.1647% | 6,723 |
| Noninterest expense to average assets | 2.1300% | 6,818 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0202% | 2,118 |
| Return on assets (ROA) | 1.3237% | 1,323 |
| Pretax return on assets | 1.3237% | 2,019 |
| Return on Equity (ROE) | 9.8392% | 2,158 |
| Retained earnings to average equity (ytd only) | 4.4685% | 3,221 |
| Net charge-offs to loans | 1.3814% | 1,378 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.7919% | 4,176 |
| Efficiency ratio | 67.6147% | 4,651 |
| Assets per employee ($millions) | 8.5283% | 411 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9690% | 846 |
| Loan loss allowance to noncurrent loans | 78.0018% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.7251% | 3,861 |
| Noncurrent loans to loans | 3.8063% | 2,027 |
| Net loans and leases to total assets | 40.7645% | 7,114 |
| Net loans and leases to deposits | 52.8846% | 6,929 |
| Net loans and leases to core deposits | 63.4441% | 6,452 |
| Total domestic deposits to total assets | 77.0821% | 6,486 |
| Equity capital to assets | 14.0181% | 1,151 |
| Core capital (leverage) ratio | 13.3566% | 1,099 |
| Tier 1 risk-based capital ratio | 23.1119% | 1,053 |
| Total risk-based capital ratio | 24.3719% | 1,029 |
| Memoranda: | ||
| Average total assets | $69,200,670 | 6,001 |
| Average earning assets | $66,164,330 | 5,897 |
| Average equity | $9,309,670 | 5,412 |
| Average total loans | $28,521,000 | 6,603 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 4,849 |
| Cost of funding earning assets | 1.7955% | 1,896 |
| Net interest margin | 3.2415% | 6,160 |
| Noninterest income to average assets | 0.1263% | 7,047 |
| Noninterest expense to average assets | 1.9745% | 7,205 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2398% | 1,432 |
| Return on assets (ROA) | 1.1882% | 1,646 |
| Pretax return on assets | 1.1882% | 2,400 |
| Return on Equity (ROE) | 9.0172% | 2,490 |
| Retained earnings to average equity (ytd only) | 9.0172% | 1,398 |
| Net charge-offs to loans | 2.1090% | 806 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.4400% | 3,882 |
| Efficiency ratio | 61.4286% | 5,920 |
| Assets per employee ($millions) | 8.7419% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1336% | 737 |
| Loan loss allowance to noncurrent loans | 89.7103% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.5128% | 4,233 |
| Noncurrent loans to loans | 3.4930% | 2,283 |
| Net loans and leases to total assets | 39.6926% | 7,267 |
| Net loans and leases to deposits | 51.0416% | 7,078 |
| Net loans and leases to core deposits | 62.1243% | 6,595 |
| Total domestic deposits to total assets | 77.7651% | 6,376 |
| Equity capital to assets | 13.5883% | 1,288 |
| Core capital (leverage) ratio | 13.2104% | 1,154 |
| Tier 1 risk-based capital ratio | 23.2917% | 1,035 |
| Total risk-based capital ratio | 24.5540% | 1,017 |
| Memoranda: | ||
| Average total assets | $69,688,000 | 6,053 |
| Average earning assets | $66,388,000 | 5,956 |
| Average equity | $9,182,500 | 5,486 |
| Average total loans | $28,450,000 | 6,690 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 3,728 |
| Cost of funding earning assets | 2.0030% | 2,950 |
| Net interest margin | 3.5724% | 4,643 |
| Noninterest income to average assets | 0.1782% | 6,808 |
| Noninterest expense to average assets | 2.0772% | 7,234 |
| Loan and lease loss provision to assets | 0.7039% | 3,008 |
| Net operating income to assets | 0.8027% | 2,530 |
| Return on assets (ROA) | 1.1277% | 1,479 |
| Pretax return on assets | 1.1277% | 2,164 |
| Return on Equity (ROE) | 8.3561% | 2,252 |
| Retained earnings to average equity (ytd only) | 0.0333% | 4,892 |
| Net charge-offs to loans | 0.0992% | 6,144 |
| Credit loss provision to net charge-offs | 1,678.5714% | 191 |
| Earnings coverage of net charge-offs (x) | 35.9286% | 657 |
| Efficiency ratio | 57.9607% | 6,762 |
| Assets per employee ($millions) | 8.6801% | 389 |
| Cash dividends to net income (ytd only)* | 99.6016% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7107% | 442 |
| Loan loss allowance to noncurrent loans | 107.3770% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 1.4876% | 4,153 |
| Noncurrent loans to loans | 3.4557% | 2,199 |
| Net loans and leases to total assets | 39.1627% | 7,393 |
| Net loans and leases to deposits | 49.9192% | 7,265 |
| Net loans and leases to core deposits | 77.7644% | 6,276 |
| Total domestic deposits to total assets | 78.4522% | 6,131 |
| Equity capital to assets | 12.7619% | 1,610 |
| Core capital (leverage) ratio | 13.2176% | 1,180 |
| Tier 1 risk-based capital ratio | 23.1304% | 1,032 |
| Total risk-based capital ratio | 24.3975% | 1,010 |
| Memoranda: | ||
| Average total assets | $66,773,200 | 6,120 |
| Average earning assets | $63,653,800 | 6,014 |
| Average equity | $9,011,400 | 5,599 |
| Average total loans | $28,215,200 | 6,733 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 3,359 |
| Cost of funding earning assets | 2.0480% | 3,130 |
| Net interest margin | 3.6476% | 4,286 |
| Noninterest income to average assets | 0.1835% | 6,913 |
| Noninterest expense to average assets | 2.0613% | 7,265 |
| Loan and lease loss provision to assets | 0.3832% | 4,030 |
| Net operating income to assets | 1.2162% | 1,424 |
| Return on assets (ROA) | 1.4703% | 935 |
| Pretax return on assets | 1.4703% | 1,494 |
| Return on Equity (ROE) | 10.7416% | 1,694 |
| Retained earnings to average equity (ytd only) | 7.0579% | 1,483 |
| Net charge-offs to loans | 0.1229% | 5,467 |
| Credit loss provision to net charge-offs | 730.7692% | 516 |
| Earnings coverage of net charge-offs (x) | 30.4964% | 926 |
| Efficiency ratio | 56.3085% | 6,956 |
| Assets per employee ($millions) | 8.3636% | 448 |
| Cash dividends to net income (ytd only)* | 34.2939% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6945% | 890 |
| Loan loss allowance to noncurrent loans | 80.5439% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.5140% | 4,103 |
| Noncurrent loans to loans | 3.3453% | 2,256 |
| Net loans and leases to total assets | 41.5594% | 7,389 |
| Net loans and leases to deposits | 54.2618% | 7,194 |
| Net loans and leases to core deposits | 85.9434% | 5,872 |
| Total domestic deposits to total assets | 76.5906% | 6,448 |
| Equity capital to assets | 14.2238% | 1,231 |
| Core capital (leverage) ratio | 14.2279% | 1,030 |
| Tier 1 risk-based capital ratio | 24.4504% | 953 |
| Total risk-based capital ratio | 25.7092% | 934 |
| Memoranda: | ||
| Average total assets | $66,106,250 | 6,176 |
| Average earning assets | $63,017,750 | 6,069 |
| Average equity | $9,048,750 | 5,647 |
| Average total loans | $28,208,250 | 6,781 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8302% | 2,901 |
| Cost of funding earning assets | 2.0859% | 3,338 |
| Net interest margin | 3.7443% | 3,772 |
| Noninterest income to average assets | 0.1914% | 6,926 |
| Noninterest expense to average assets | 2.0110% | 7,442 |
| Loan and lease loss provision to assets | 0.2430% | 4,636 |
| Net operating income to assets | 1.5037% | 832 |
| Return on assets (ROA) | 1.6464% | 687 |
| Pretax return on assets | 1.6464% | 1,121 |
| Return on Equity (ROE) | 12.1898% | 1,362 |
| Retained earnings to average equity (ytd only) | 6.5672% | 1,761 |
| Net charge-offs to loans | 0.1567% | 4,627 |
| Credit loss provision to net charge-offs | 363.6364% | 1,272 |
| Earnings coverage of net charge-offs (x) | 26.1364% | 1,096 |
| Efficiency ratio | 53.5166% | 7,379 |
| Assets per employee ($millions) | 8.2710% | 447 |
| Cash dividends to net income (ytd only)* | 46.1255% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3262% | 1,072 |
| Loan loss allowance to noncurrent loans | 66.2675% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 3,815 |
| Noncurrent loans to loans | 3.5104% | 1,999 |
| Net loans and leases to total assets | 42.1352% | 7,441 |
| Net loans and leases to deposits | 55.0303% | 7,215 |
| Net loans and leases to core deposits | 85.9194% | 5,914 |
| Total domestic deposits to total assets | 76.5672% | 6,422 |
| Equity capital to assets | 13.7846% | 1,390 |
| Core capital (leverage) ratio | 14.0842% | 1,119 |
| Tier 1 risk-based capital ratio | 24.0663% | 1,028 |
| Total risk-based capital ratio | 25.3225% | 1,005 |
| Memoranda: | ||
| Average total assets | $65,838,670 | 6,232 |
| Average earning assets | $62,708,000 | 6,122 |
| Average equity | $8,892,670 | 5,721 |
| Average total loans | $28,085,330 | 6,839 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9530% | 2,552 |
| Cost of funding earning assets | 2.2340% | 2,995 |
| Net interest margin | 3.7190% | 3,810 |
| Noninterest income to average assets | 0.2193% | 6,723 |
| Noninterest expense to average assets | 2.0526% | 7,231 |
| Loan and lease loss provision to assets | 0.1827% | 4,617 |
| Net operating income to assets | 1.5227% | 898 |
| Return on assets (ROA) | 1.5958% | 866 |
| Pretax return on assets | 1.5958% | 1,416 |
| Return on Equity (ROE) | 11.9383% | 1,678 |
| Retained earnings to average equity (ytd only) | 11.9383% | 795 |
| Net charge-offs to loans | 0.0431% | 4,875 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 93.3333% | 456 |
| Efficiency ratio | 54.6191% | 7,156 |
| Assets per employee ($millions) | 8.1813% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2489% | 1,017 |
| Loan loss allowance to noncurrent loans | 62.7354% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.5569% | 3,601 |
| Noncurrent loans to loans | 3.5848% | 1,758 |
| Net loans and leases to total assets | 42.0382% | 7,462 |
| Net loans and leases to deposits | 54.9171% | 7,229 |
| Net loans and leases to core deposits | 85.9813% | 5,902 |
| Total domestic deposits to total assets | 76.5485% | 6,390 |
| Equity capital to assets | 13.7158% | 1,460 |
| Core capital (leverage) ratio | 13.9349% | 1,203 |
| Tier 1 risk-based capital ratio | 24.3588% | 1,038 |
| Total risk-based capital ratio | 25.6134% | 1,016 |
| Memoranda: | ||
| Average total assets | $65,674,000 | 6,267 |
| Average earning assets | $62,490,000 | 6,156 |
| Average equity | $8,778,500 | 5,780 |
| Average total loans | $27,856,000 | 6,892 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2404% | 4,299 |
| Cost of funding earning assets | 2.8652% | 2,413 |
| Net interest margin | 3.3752% | 5,766 |
| Noninterest income to average assets | 0.1667% | 7,228 |
| Noninterest expense to average assets | 1.9228% | 7,578 |
| Loan and lease loss provision to assets | 0.3973% | 3,307 |
| Net operating income to assets | 1.0331% | 2,421 |
| Return on assets (ROA) | 1.1001% | 2,064 |
| Pretax return on assets | 1.1001% | 3,024 |
| Return on Equity (ROE) | 8.2560% | 2,954 |
| Retained earnings to average equity (ytd only) | 0.0702% | 5,196 |
| Net charge-offs to loans | 0.7543% | 1,645 |
| Credit loss provision to net charge-offs | 137.8378% | 3,864 |
| Earnings coverage of net charge-offs (x) | 4.9622% | 3,800 |
| Efficiency ratio | 57.3420% | 6,811 |
| Assets per employee ($millions) | 8.2373% | 435 |
| Cash dividends to net income (ytd only)* | 99.1501% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1984% | 947 |
| Loan loss allowance to noncurrent loans | 55.6985% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.6510% | 2,936 |
| Noncurrent loans to loans | 3.9470% | 1,251 |
| Net loans and leases to total assets | 40.9102% | 7,630 |
| Net loans and leases to deposits | 53.0188% | 7,488 |
| Net loans and leases to core deposits | 77.8734% | 6,754 |
| Total domestic deposits to total assets | 77.1617% | 5,951 |
| Equity capital to assets | 13.0201% | 1,776 |
| Core capital (leverage) ratio | 13.8614% | 1,288 |
| Tier 1 risk-based capital ratio | 23.6209% | 1,128 |
| Total risk-based capital ratio | 24.8758% | 1,100 |
| Memoranda: | ||
| Average total assets | $64,177,000 | 6,224 |
| Average earning assets | $60,589,400 | 6,150 |
| Average equity | $8,551,400 | 5,888 |
| Average total loans | $24,526,400 | 7,054 |