Home > Integrity Bank > Performance and Condition Ratios
Integrity Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2143% | 2,690 |
| Cost of funding earning assets | 0.7315% | 4,181 |
| Net interest margin | 4.4828% | 643 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 3.2678% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1289% | 1,927 |
| Return on assets (ROA) | 1.0194% | 2,222 |
| Pretax return on assets | 1.0194% | 2,698 |
| Return on Equity (ROE) | 11.4600% | 1,891 |
| Retained earnings to average equity (ytd only) | 11.4561% | 872 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 74.3229% | 1,406 |
| Assets per employee ($millions) | 5.4019% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 1,683 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 33.0600% | 4,144 |
| Net loans and leases to deposits | 36.8582% | 4,182 |
| Net loans and leases to core deposits | 36.8582% | 4,207 |
| Total domestic deposits to total assets | 89.7100% | 916 |
| Equity capital to assets | 8.8695% | 3,027 |
| Core capital (leverage) ratio | 10.5278% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6953% | 380 |
| Memoranda: | ||
| Average total assets | $83,972,000 | 3,907 |
| Average earning assets | $76,558,500 | 3,910 |
| Average equity | $7,472,000 | 4,023 |
| Average total loans | $29,069,000 | 4,102 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 3,543 |
| Cost of funding earning assets | 0.7365% | 4,207 |
| Net interest margin | 3.9945% | 1,195 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 3.1113% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9486% | 2,225 |
| Return on assets (ROA) | 1.0480% | 1,905 |
| Pretax return on assets | 1.0480% | 2,395 |
| Return on Equity (ROE) | 12.0200% | 1,603 |
| Retained earnings to average equity (ytd only) | 12.0227% | 292 |
| Net charge-offs to loans | -0.0485% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 76.6355% | 1,307 |
| Assets per employee ($millions) | 5.0946% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 1,697 |
| Loan loss allowance to noncurrent loans | 9,450.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,747 |
| Noncurrent loans to loans | 0.0137% | 3,651 |
| Net loans and leases to total assets | 35.3400% | 4,129 |
| Net loans and leases to deposits | 39.4624% | 4,170 |
| Net loans and leases to core deposits | 39.4624% | 4,198 |
| Total domestic deposits to total assets | 89.5500% | 962 |
| Equity capital to assets | 8.9286% | 2,876 |
| Core capital (leverage) ratio | 10.5973% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3317% | 362 |
| Memoranda: | ||
| Average total assets | $76,431,000 | 3,987 |
| Average earning assets | $70,872,000 | 3,964 |
| Average equity | $6,662,400 | 4,089 |
| Average total loans | $28,880,600 | 4,116 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 3,882 |
| Cost of funding earning assets | 0.7561% | 4,219 |
| Net interest margin | 3.7123% | 1,616 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 3.1328% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7078% | 2,967 |
| Return on assets (ROA) | 0.8213% | 2,644 |
| Pretax return on assets | 0.8213% | 2,989 |
| Return on Equity (ROE) | 9.4800% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.4848% | 963 |
| Net charge-offs to loans | -0.0648% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 81.5704% | 976 |
| Assets per employee ($millions) | 5.3549% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 1,877 |
| Loan loss allowance to noncurrent loans | 7,560.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,758 |
| Noncurrent loans to loans | 0.0167% | 3,683 |
| Net loans and leases to total assets | 36.7300% | 4,125 |
| Net loans and leases to deposits | 41.1305% | 4,167 |
| Net loans and leases to core deposits | 41.1305% | 4,208 |
| Total domestic deposits to total assets | 89.3100% | 800 |
| Equity capital to assets | 9.1468% | 2,928 |
| Core capital (leverage) ratio | 10.7261% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4423% | 451 |
| Memoranda: | ||
| Average total assets | $75,160,500 | 4,013 |
| Average earning assets | $70,537,750 | 3,989 |
| Average equity | $6,508,500 | 4,123 |
| Average total loans | $28,805,250 | 4,134 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 4,195 |
| Cost of funding earning assets | 0.8525% | 4,147 |
| Net interest margin | 3.2794% | 2,462 |
| Noninterest income to average assets | 0.3600% | 2,636 |
| Noninterest expense to average assets | 3.0719% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3731% | 3,718 |
| Return on assets (ROA) | 0.5447% | 3,346 |
| Pretax return on assets | 0.5447% | 3,547 |
| Return on Equity (ROE) | 6.4200% | 3,154 |
| Retained earnings to average equity (ytd only) | 6.4216% | 1,854 |
| Net charge-offs to loans | -0.0070% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 89.1700% | 604 |
| Assets per employee ($millions) | 5.3609% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 1,914 |
| Loan loss allowance to noncurrent loans | 4,562.5000% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,718 |
| Noncurrent loans to loans | 0.0277% | 3,577 |
| Net loans and leases to total assets | 35.4600% | 4,168 |
| Net loans and leases to deposits | 39.1538% | 4,210 |
| Net loans and leases to core deposits | 39.1538% | 4,249 |
| Total domestic deposits to total assets | 90.5600% | 560 |
| Equity capital to assets | 7.8743% | 3,512 |
| Core capital (leverage) ratio | 11.6049% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8912% | 539 |
| Memoranda: | ||
| Average total assets | $73,439,667 | 4,052 |
| Average earning assets | $68,975,667 | 4,019 |
| Average equity | $6,229,000 | 4,157 |
| Average total loans | $28,446,000 | 4,152 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 4,246 |
| Cost of funding earning assets | 0.8845% | 4,110 |
| Net interest margin | 3.1293% | 2,716 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.8362% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4746% | 3,463 |
| Return on assets (ROA) | 0.7033% | 2,853 |
| Pretax return on assets | 0.7033% | 3,148 |
| Return on Equity (ROE) | 7.9600% | 2,703 |
| Retained earnings to average equity (ytd only) | 7.9644% | 1,560 |
| Net charge-offs to loans | -0.0142% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 85.6649% | 802 |
| Assets per employee ($millions) | 4.5205% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 1,770 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,686 |
| Noncurrent loans to loans | 0.0355% | 3,520 |
| Net loans and leases to total assets | 40.9800% | 4,001 |
| Net loans and leases to deposits | 50.0324% | 3,917 |
| Net loans and leases to core deposits | 50.0324% | 4,076 |
| Total domestic deposits to total assets | 81.9000% | 3,192 |
| Equity capital to assets | 9.1982% | 2,542 |
| Core capital (leverage) ratio | 12.5463% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3870% | 412 |
| Memoranda: | ||
| Average total assets | $69,952,500 | 4,103 |
| Average earning assets | $65,574,000 | 4,079 |
| Average equity | $6,177,500 | 4,185 |
| Average total loans | $28,230,000 | 4,178 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0305% | 22 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2,811.0000% | 41 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 1.0000% | 4,543 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.1572% | 4,232 |
| Pretax return on assets | 0.1572% | 4,232 |
| Return on Equity (ROE) | 2.3000% | 4,120 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.2567% | 2,704 |
| Efficiency ratio | 19.2835% | 4,527 |
| Assets per employee ($millions) | 0.0254% | 4,571 |
| Cash dividends to net income (ytd only)* | 14.0000% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 61.0000% | 4,430 |
| Equity capital to assets | 28,991.0000% | 22 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $10,722,000 | 4,564 |
| Average earning assets | $6,797 | 4,562 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1873% | 4,490 |
| Cost of funding earning assets | 0.7269% | 3,702 |
| Net interest margin | 2.4605% | 4,180 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.6260% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0790% | 4,333 |
| Return on assets (ROA) | 0.1329% | 4,305 |
| Pretax return on assets | 0.1329% | 4,319 |
| Return on Equity (ROE) | 2.0600% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.0649% | 3,716 |
| Net charge-offs to loans | -0.0266% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.0784% | 217 |
| Assets per employee ($millions) | 4.8583% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,155 |
| Loan loss allowance to noncurrent loans | 2,406.6667% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,600 |
| Noncurrent loans to loans | 0.0616% | 3,312 |
| Net loans and leases to total assets | 35.2600% | 4,209 |
| Net loans and leases to deposits | 44.7772% | 4,084 |
| Net loans and leases to core deposits | 44.7772% | 4,157 |
| Total domestic deposits to total assets | 78.7500% | 3,734 |
| Equity capital to assets | 7.0131% | 3,602 |
| Core capital (leverage) ratio | 11.6868% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7050% | 450 |
| Memoranda: | ||
| Average total assets | $74,230,500 | 4,093 |
| Average earning assets | $70,987,250 | 4,046 |
| Average equity | $4,778,250 | 4,287 |
| Average total loans | $25,088,000 | 4,227 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0317% | 4,543 |
| Cost of funding earning assets | 0.6655% | 3,585 |
| Net interest margin | 2.3662% | 4,329 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.5353% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0577% | 4,387 |
| Return on assets (ROA) | 0.0970% | 4,398 |
| Pretax return on assets | 0.0970% | 4,399 |
| Return on Equity (ROE) | 1.5500% | 4,318 |
| Retained earnings to average equity (ytd only) | -0.7979% | 4,193 |
| Net charge-offs to loans | -0.0316% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 97.7755% | 200 |
| Assets per employee ($millions) | 5.0589% | 3,551 |
| Cash dividends to net income (ytd only)* | 151.3514% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 993 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,537 |
| Noncurrent loans to loans | 0.0785% | 3,123 |
| Net loans and leases to total assets | 31.8600% | 4,287 |
| Net loans and leases to deposits | 37.8214% | 4,257 |
| Net loans and leases to core deposits | 37.8214% | 4,297 |
| Total domestic deposits to total assets | 84.2500% | 2,764 |
| Equity capital to assets | 7.2079% | 3,686 |
| Core capital (leverage) ratio | 10.9066% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5720% | 367 |
| Memoranda: | ||
| Average total assets | $76,283,333 | 4,088 |
| Average earning assets | $73,028,000 | 4,039 |
| Average equity | $4,762,333 | 4,314 |
| Average total loans | $25,335,667 | 4,242 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7839% | 4,607 |
| Cost of funding earning assets | 0.6510% | 3,218 |
| Net interest margin | 2.1329% | 4,523 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.3237% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0152% | 4,470 |
| Return on assets (ROA) | 0.0202% | 4,454 |
| Pretax return on assets | 0.0202% | 4,441 |
| Return on Equity (ROE) | 0.3500% | 4,427 |
| Retained earnings to average equity (ytd only) | 0.3485% | 3,970 |
| Net charge-offs to loans | -0.0301% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.3506% | 183 |
| Assets per employee ($millions) | 5.2916% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,224 |
| Loan loss allowance to noncurrent loans | 1,704.7619% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,500 |
| Noncurrent loans to loans | 0.0886% | 3,109 |
| Net loans and leases to total assets | 31.5100% | 4,336 |
| Net loans and leases to deposits | 36.4516% | 4,319 |
| Net loans and leases to core deposits | 36.6083% | 4,355 |
| Total domestic deposits to total assets | 86.4400% | 2,459 |
| Equity capital to assets | 7.1541% | 3,758 |
| Core capital (leverage) ratio | 10.6377% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0343% | 353 |
| Memoranda: | ||
| Average total assets | $79,012,500 | 4,113 |
| Average earning assets | $75,576,500 | 4,061 |
| Average equity | $4,591,000 | 4,394 |
| Average total loans | $26,539,500 | 4,278 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4215% | 4,529 |
| Cost of funding earning assets | 0.4136% | 1,984 |
| Net interest margin | 2.0079% | 4,554 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.5196% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0719% | 4,527 |
| Return on assets (ROA) | 0.1147% | 4,491 |
| Pretax return on assets | -0.2487% | 4,598 |
| Return on Equity (ROE) | 1.9900% | 4,388 |
| Retained earnings to average equity (ytd only) | 1.9917% | 3,978 |
| Net charge-offs to loans | -0.0281% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 113.6628% | 77 |
| Assets per employee ($millions) | 5.9959% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7649% | 71 |
| Loan loss allowance to noncurrent loans | 4,424.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 3,514 |
| Noncurrent loans to loans | 0.0851% | 3,146 |
| Net loans and leases to total assets | 33.6800% | 4,297 |
| Net loans and leases to deposits | 45.1621% | 4,079 |
| Net loans and leases to core deposits | 45.5433% | 4,135 |
| Total domestic deposits to total assets | 74.5700% | 4,336 |
| Equity capital to assets | 4.6246% | 4,447 |
| Core capital (leverage) ratio | 9.3254% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7029% | 567 |
| Memoranda: | ||
| Average total assets | $77,592,400 | 4,154 |
| Average earning assets | $74,706,400 | 4,100 |
| Average equity | $4,468,600 | 4,488 |
| Average total loans | $24,872,400 | 4,330 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2978% | 4,535 |
| Cost of funding earning assets | 0.3467% | 1,732 |
| Net interest margin | 1.9511% | 4,566 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.4243% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2530% | 4,429 |
| Return on assets (ROA) | 0.3140% | 4,323 |
| Pretax return on assets | -0.1789% | 4,615 |
| Return on Equity (ROE) | 5.1700% | 3,952 |
| Retained earnings to average equity (ytd only) | 5.1711% | 3,037 |
| Net charge-offs to loans | -0.0337% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 111.8123% | 89 |
| Assets per employee ($millions) | 5.2005% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3612% | 55 |
| Loan loss allowance to noncurrent loans | 3,942.8571% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,553 |
| Noncurrent loans to loans | 0.1106% | 3,100 |
| Net loans and leases to total assets | 31.0400% | 4,397 |
| Net loans and leases to deposits | 37.9223% | 4,306 |
| Net loans and leases to core deposits | 38.0840% | 4,343 |
| Total domestic deposits to total assets | 81.8400% | 3,860 |
| Equity capital to assets | 3.8252% | 4,495 |
| Core capital (leverage) ratio | 9.5154% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7032% | 511 |
| Memoranda: | ||
| Average total assets | $76,005,000 | 4,198 |
| Average earning assets | $73,460,250 | 4,146 |
| Average equity | $4,615,250 | 4,515 |
| Average total loans | $23,746,250 | 4,380 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1682% | 4,577 |
| Cost of funding earning assets | 0.3094% | 1,636 |
| Net interest margin | 1.8588% | 4,609 |
| Noninterest income to average assets | 0.2814% | 3,480 |
| Noninterest expense to average assets | 2.5432% | 1,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3033% | 4,281 |
| Return on assets (ROA) | 0.3557% | 4,154 |
| Pretax return on assets | -0.3929% | 4,633 |
| Return on Equity (ROE) | 5.1948% | 3,777 |
| Retained earnings to average equity (ytd only) | 5.1948% | 2,638 |
| Net charge-offs to loans | -0.0172% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.0382% | 71 |
| Assets per employee ($millions) | 4.8238% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6094% | 46 |
| Loan loss allowance to noncurrent loans | 3,440.6250% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,574 |
| Noncurrent loans to loans | 0.1340% | 3,040 |
| Net loans and leases to total assets | 29.5215% | 4,476 |
| Net loans and leases to deposits | 33.0634% | 4,470 |
| Net loans and leases to core deposits | 33.1940% | 4,501 |
| Total domestic deposits to total assets | 89.2875% | 2,051 |
| Equity capital to assets | 5.3368% | 4,412 |
| Core capital (leverage) ratio | 9.5878% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7723% | 330 |
| Memoranda: | ||
| Average total assets | $75,337,333 | 4,257 |
| Average earning assets | $73,056,000 | 4,211 |
| Average equity | $5,159,000 | 4,508 |
| Average total loans | $23,223,667 | 4,446 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9866% | 4,620 |
| Cost of funding earning assets | 0.3154% | 1,508 |
| Net interest margin | 1.6712% | 4,653 |
| Noninterest income to average assets | 0.2849% | 3,425 |
| Noninterest expense to average assets | 2.4135% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.5053% | 4,702 |
| Return on assets (ROA) | -0.4569% | 4,688 |
| Pretax return on assets | -0.4569% | 4,676 |
| Return on Equity (ROE) | -5.9870% | 4,714 |
| Retained earnings to average equity (ytd only) | -5.9870% | 4,455 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4789% | 71 |
| Assets per employee ($millions) | 5.5570% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1744% | 42 |
| Loan loss allowance to noncurrent loans | 3,663.3333% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,651 |
| Noncurrent loans to loans | 0.1412% | 3,102 |
| Net loans and leases to total assets | 25.8876% | 4,567 |
| Net loans and leases to deposits | 27.6110% | 4,608 |
| Net loans and leases to core deposits | 27.7128% | 4,618 |
| Total domestic deposits to total assets | 93.7582% | 135 |
| Equity capital to assets | 6.1930% | 4,534 |
| Core capital (leverage) ratio | 9.0797% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2109% | 371 |
| Memoranda: | ||
| Average total assets | $74,415,500 | 4,292 |
| Average earning assets | $72,283,500 | 4,234 |
| Average equity | $5,679,000 | 4,498 |
| Average total loans | $22,892,500 | 4,467 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1350% | 4,643 |
| Cost of funding earning assets | 0.3934% | 1,592 |
| Net interest margin | 1.7416% | 4,681 |
| Noninterest income to average assets | 0.3293% | 3,441 |
| Noninterest expense to average assets | 2.5569% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.4261% | 4,755 |
| Return on assets (ROA) | -0.3499% | 4,747 |
| Pretax return on assets | -0.4477% | 4,760 |
| Return on Equity (ROE) | -3.6606% | 4,761 |
| Retained earnings to average equity (ytd only) | -3.6606% | 4,676 |
| Net charge-offs to loans | 0.7569% | 98 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -2.4085% | 2,668 |
| Efficiency ratio | 127.0363% | 57 |
| Assets per employee ($millions) | 4.7355% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4773% | 52 |
| Loan loss allowance to noncurrent loans | 2,892.1053% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,612 |
| Noncurrent loans to loans | 0.1548% | 3,161 |
| Net loans and leases to total assets | 33.0086% | 4,411 |
| Net loans and leases to deposits | 37.2210% | 4,437 |
| Net loans and leases to core deposits | 37.3800% | 4,483 |
| Total domestic deposits to total assets | 88.6827% | 1,677 |
| Equity capital to assets | 9.2070% | 3,414 |
| Core capital (leverage) ratio | 9.4654% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5557% | 416 |
| Memoranda: | ||
| Average total assets | $72,587,000 | 4,309 |
| Average earning assets | $70,163,600 | 4,257 |
| Average equity | $6,938,800 | 4,428 |
| Average total loans | $21,668,000 | 4,538 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1379% | 4,732 |
| Cost of funding earning assets | 0.4071% | 1,648 |
| Net interest margin | 1.7307% | 4,765 |
| Noninterest income to average assets | 0.2978% | 3,659 |
| Noninterest expense to average assets | 2.4464% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.3289% | 4,810 |
| Return on assets (ROA) | -0.2467% | 4,810 |
| Pretax return on assets | -0.3745% | 4,822 |
| Return on Equity (ROE) | -2.5573% | 4,812 |
| Retained earnings to average equity (ytd only) | -2.5573% | 4,719 |
| Net charge-offs to loans | 1.0947% | 56 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -1.5233% | 2,423 |
| Efficiency ratio | 124.3268% | 66 |
| Assets per employee ($millions) | 4.8693% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8190% | 26 |
| Loan loss allowance to noncurrent loans | 2,597.6190% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,737 |
| Noncurrent loans to loans | 0.2240% | 3,052 |
| Net loans and leases to total assets | 24.1758% | 4,740 |
| Net loans and leases to deposits | 26.7141% | 4,757 |
| Net loans and leases to core deposits | 27.1883% | 4,767 |
| Total domestic deposits to total assets | 90.4984% | 567 |
| Equity capital to assets | 9.4674% | 3,406 |
| Core capital (leverage) ratio | 9.5240% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6193% | 317 |
| Memoranda: | ||
| Average total assets | $72,975,500 | 4,357 |
| Average earning assets | $70,411,500 | 4,313 |
| Average equity | $7,038,500 | 4,480 |
| Average total loans | $20,948,500 | 4,615 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2509% | 4,741 |
| Cost of funding earning assets | 0.4314% | 1,648 |
| Net interest margin | 1.8194% | 4,778 |
| Noninterest income to average assets | 0.3317% | 3,441 |
| Noninterest expense to average assets | 2.4618% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.3728% | 4,852 |
| Return on assets (ROA) | -0.3728% | 4,856 |
| Pretax return on assets | -0.3728% | 4,852 |
| Return on Equity (ROE) | -3.8420% | 4,865 |
| Retained earnings to average equity (ytd only) | -3.8420% | 4,750 |
| Net charge-offs to loans | 1.6143% | 38 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -0.7771% | 2,204 |
| Efficiency ratio | 117.8478% | 77 |
| Assets per employee ($millions) | 4.9023% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9909% | 26 |
| Loan loss allowance to noncurrent loans | 2,365.2174% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,809 |
| Noncurrent loans to loans | 0.2533% | 3,034 |
| Net loans and leases to total assets | 23.2175% | 4,794 |
| Net loans and leases to deposits | 25.6467% | 4,811 |
| Net loans and leases to core deposits | 26.0991% | 4,818 |
| Total domestic deposits to total assets | 90.5283% | 545 |
| Equity capital to assets | 9.4254% | 3,407 |
| Core capital (leverage) ratio | 9.3633% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2466% | 290 |
| Memoranda: | ||
| Average total assets | $72,954,000 | 4,386 |
| Average earning assets | $70,461,667 | 4,335 |
| Average equity | $7,079,667 | 4,501 |
| Average total loans | $21,681,667 | 4,637 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3785% | 4,721 |
| Cost of funding earning assets | 0.4654% | 1,620 |
| Net interest margin | 1.9131% | 4,766 |
| Noninterest income to average assets | 0.1266% | 4,565 |
| Noninterest expense to average assets | 2.1524% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1927% | 4,836 |
| Return on assets (ROA) | -0.1927% | 4,839 |
| Pretax return on assets | -0.1927% | 4,835 |
| Return on Equity (ROE) | -1.9569% | 4,855 |
| Retained earnings to average equity (ytd only) | -1.9569% | 4,535 |
| Net charge-offs to loans | 3.4297% | 14 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -0.1741% | 1,893 |
| Efficiency ratio | 109.8315% | 111 |
| Assets per employee ($millions) | 5.3882% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1601% | 38 |
| Loan loss allowance to noncurrent loans | 727.3973% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 3,196 |
| Noncurrent loans to loans | 0.7094% | 1,821 |
| Net loans and leases to total assets | 25.8753% | 4,786 |
| Net loans and leases to deposits | 28.5666% | 4,812 |
| Net loans and leases to core deposits | 29.1759% | 4,824 |
| Total domestic deposits to total assets | 90.5786% | 556 |
| Equity capital to assets | 9.3458% | 3,339 |
| Core capital (leverage) ratio | 9.5407% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4358% | 265 |
| Memoranda: | ||
| Average total assets | $72,663,500 | 4,400 |
| Average earning assets | $69,624,000 | 4,361 |
| Average equity | $7,154,000 | 4,512 |
| Average total loans | $23,442,000 | 4,628 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1189% | 4,545 |
| Cost of funding earning assets | 1.0361% | 518 |
| Net interest margin | 2.0828% | 4,805 |
| Noninterest income to average assets | 0.1581% | 4,505 |
| Noninterest expense to average assets | 2.6620% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.5284% | 4,886 |
| Return on assets (ROA) | -0.1318% | 4,814 |
| Pretax return on assets | -0.1318% | 4,803 |
| Return on Equity (ROE) | -1.3985% | 4,829 |
| Retained earnings to average equity (ytd only) | -1.3985% | 4,666 |
| Net charge-offs to loans | 0.3936% | 440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -3.1418% | 3,370 |
| Efficiency ratio | 124.7647% | 67 |
| Assets per employee ($millions) | 4.9923% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8017% | 46 |
| Loan loss allowance to noncurrent loans | 116.9444% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 463 |
| Noncurrent loans to loans | 4.1060% | 131 |
| Net loans and leases to total assets | 35.8267% | 4,595 |
| Net loans and leases to deposits | 40.0243% | 4,659 |
| Net loans and leases to core deposits | 41.2963% | 4,670 |
| Total domestic deposits to total assets | 89.5124% | 762 |
| Equity capital to assets | 10.3846% | 2,768 |
| Core capital (leverage) ratio | 9.7449% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1000% | 384 |
| Memoranda: | ||
| Average total assets | $79,677,000 | 4,246 |
| Average earning assets | $75,570,800 | 4,216 |
| Average equity | $7,508,000 | 4,476 |
| Average total loans | $34,041,000 | 4,429 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2137% | 4,575 |
| Cost of funding earning assets | 0.8853% | 1,118 |
| Net interest margin | 2.3284% | 4,769 |
| Noninterest income to average assets | 0.1072% | 4,732 |
| Noninterest expense to average assets | 2.6480% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.3247% | 4,864 |
| Return on assets (ROA) | 0.0860% | 4,740 |
| Pretax return on assets | 0.0860% | 4,736 |
| Return on Equity (ROE) | 0.9334% | 4,714 |
| Retained earnings to average equity (ytd only) | 0.9334% | 4,275 |
| Net charge-offs to loans | 0.6078% | 234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -1.2195% | 3,159 |
| Efficiency ratio | 113.9762% | 98 |
| Assets per employee ($millions) | 4.7996% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7945% | 72 |
| Loan loss allowance to noncurrent loans | 129.7895% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.3022% | 725 |
| Noncurrent loans to loans | 2.9236% | 323 |
| Net loans and leases to total assets | 40.7076% | 4,541 |
| Net loans and leases to deposits | 45.1964% | 4,627 |
| Net loans and leases to core deposits | 49.1502% | 4,602 |
| Total domestic deposits to total assets | 90.0682% | 403 |
| Equity capital to assets | 9.8120% | 3,413 |
| Core capital (leverage) ratio | 9.0475% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8156% | 1,081 |
| Memoranda: | ||
| Average total assets | $82,123,250 | 4,226 |
| Average earning assets | $78,164,500 | 4,197 |
| Average equity | $7,570,500 | 4,489 |
| Average total loans | $35,975,500 | 4,415 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3557% | 4,584 |
| Cost of funding earning assets | 0.9067% | 1,347 |
| Net interest margin | 2.4489% | 4,763 |
| Noninterest income to average assets | 0.1383% | 4,614 |
| Noninterest expense to average assets | 2.4815% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0191% | 4,796 |
| Return on assets (ROA) | 0.0620% | 4,744 |
| Pretax return on assets | 0.0620% | 4,750 |
| Return on Equity (ROE) | 0.6858% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.6858% | 4,165 |
| Net charge-offs to loans | 0.0161% | 2,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -2.6667% | 2,966 |
| Efficiency ratio | 100.7744% | 172 |
| Assets per employee ($millions) | 5.4913% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9815% | 65 |
| Loan loss allowance to noncurrent loans | 51.4581% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 3.1220% | 145 |
| Noncurrent loans to loans | 7.7373% | 48 |
| Net loans and leases to total assets | 38.2627% | 4,658 |
| Net loans and leases to deposits | 41.9842% | 4,744 |
| Net loans and leases to core deposits | 45.1194% | 4,733 |
| Total domestic deposits to total assets | 91.1360% | 126 |
| Equity capital to assets | 8.7855% | 4,277 |
| Core capital (leverage) ratio | 8.3503% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1903% | 1,450 |
| Memoranda: | ||
| Average total assets | $83,899,667 | 4,208 |
| Average earning assets | $79,626,333 | 4,176 |
| Average equity | $7,582,333 | 4,512 |
| Average total loans | $37,344,000 | 4,399 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,442 |
| Cost of funding earning assets | 0.9461% | 1,661 |
| Net interest margin | 2.7245% | 4,647 |
| Noninterest income to average assets | 0.1660% | 4,538 |
| Noninterest expense to average assets | 2.4705% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2685% | 4,414 |
| Return on assets (ROA) | 0.4150% | 4,140 |
| Pretax return on assets | 0.4150% | 4,267 |
| Return on Equity (ROE) | 4.5249% | 3,811 |
| Retained earnings to average equity (ytd only) | 4.5249% | 2,489 |
| Net charge-offs to loans | -1.1841% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1961% | 491 |
| Assets per employee ($millions) | 5.0909% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0109% | 74 |
| Loan loss allowance to noncurrent loans | 52.2657% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 3.6327% | 125 |
| Noncurrent loans to loans | 7.6741% | 49 |
| Net loans and leases to total assets | 44.3938% | 4,489 |
| Net loans and leases to deposits | 49.8319% | 4,595 |
| Net loans and leases to core deposits | 53.7654% | 4,577 |
| Total domestic deposits to total assets | 89.0872% | 626 |
| Equity capital to assets | 9.3892% | 4,320 |
| Core capital (leverage) ratio | 8.4921% | 4,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1286% | 1,317 |
| Memoranda: | ||
| Average total assets | $81,925,500 | 4,243 |
| Average earning assets | $77,371,000 | 4,211 |
| Average equity | $7,514,000 | 4,551 |
| Average total loans | $38,510,000 | 4,402 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 3,130 |
| Cost of funding earning assets | 0.9589% | 1,913 |
| Net interest margin | 3.4856% | 3,495 |
| Noninterest income to average assets | 0.1847% | 4,561 |
| Noninterest expense to average assets | 3.1984% | 1,523 |
| Loan and lease loss provision to assets | 1.6733% | 55 |
| Net operating income to assets | -1.3322% | 5,110 |
| Return on assets (ROA) | -0.8810% | 5,089 |
| Pretax return on assets | -0.9381% | 5,089 |
| Return on Equity (ROE) | -9.3575% | 5,120 |
| Retained earnings to average equity (ytd only) | -9.3575% | 5,057 |
| Net charge-offs to loans | 1.6144% | 84 |
| Credit loss provision to net charge-offs | 172.1250% | 1,508 |
| Earnings coverage of net charge-offs (x) | 0.2625% | 3,623 |
| Efficiency ratio | 92.6108% | 272 |
| Assets per employee ($millions) | 5.1498% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5504% | 82 |
| Loan loss allowance to noncurrent loans | 32.7166% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 5.2648% | 49 |
| Noncurrent loans to loans | 10.8519% | 21 |
| Net loans and leases to total assets | 46.0593% | 4,519 |
| Net loans and leases to deposits | 50.7360% | 4,659 |
| Net loans and leases to core deposits | 53.0316% | 4,673 |
| Total domestic deposits to total assets | 90.7823% | 151 |
| Equity capital to assets | 8.9567% | 4,708 |
| Core capital (leverage) ratio | 9.1504% | 4,404 |
| Tier 1 risk-based capital ratio | 14.0833% | 3,224 |
| Total risk-based capital ratio | 15.3506% | 3,128 |
| Memoranda: | ||
| Average total assets | $82,290,400 | 4,252 |
| Average earning assets | $77,174,600 | 4,228 |
| Average equity | $7,747,800 | 4,537 |
| Average total loans | $49,555,000 | 4,196 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 2,656 |
| Cost of funding earning assets | 0.9416% | 2,032 |
| Net interest margin | 3.6785% | 2,998 |
| Noninterest income to average assets | 0.2172% | 4,428 |
| Noninterest expense to average assets | 3.2318% | 1,407 |
| Loan and lease loss provision to assets | 1.7828% | 50 |
| Net operating income to assets | -1.2281% | 5,189 |
| Return on assets (ROA) | -0.6451% | 5,154 |
| Pretax return on assets | -0.7002% | 5,154 |
| Return on Equity (ROE) | -6.7687% | 5,177 |
| Retained earnings to average equity (ytd only) | -6.7687% | 5,105 |
| Net charge-offs to loans | 0.3173% | 544 |
| Credit loss provision to net charge-offs | 887.0968% | 401 |
| Earnings coverage of net charge-offs (x) | 2.2338% | 3,212 |
| Efficiency ratio | 87.8027% | 408 |
| Assets per employee ($millions) | 5.1447% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6748% | 81 |
| Loan loss allowance to noncurrent loans | 42.0806% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 5.6252% | 58 |
| Noncurrent loans to loans | 8.7328% | 40 |
| Net loans and leases to total assets | 61.0043% | 3,593 |
| Net loans and leases to deposits | 67.9116% | 3,923 |
| Net loans and leases to core deposits | 71.8053% | 3,961 |
| Total domestic deposits to total assets | 89.8289% | 329 |
| Equity capital to assets | 9.9689% | 4,046 |
| Core capital (leverage) ratio | 9.5315% | 4,137 |
| Tier 1 risk-based capital ratio | 13.5614% | 3,534 |
| Total risk-based capital ratio | 14.8343% | 3,444 |
| Memoranda: | ||
| Average total assets | $82,264,000 | 4,307 |
| Average earning assets | $77,456,250 | 4,275 |
| Average equity | $7,839,750 | 4,580 |
| Average total loans | $52,106,750 | 4,183 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 2,560 |
| Cost of funding earning assets | 0.9192% | 2,057 |
| Net interest margin | 3.7170% | 2,880 |
| Noninterest income to average assets | 0.2716% | 4,120 |
| Noninterest expense to average assets | 3.1681% | 1,574 |
| Loan and lease loss provision to assets | 2.0843% | 39 |
| Net operating income to assets | -1.3872% | 5,242 |
| Return on assets (ROA) | -0.5050% | 5,197 |
| Pretax return on assets | -0.5360% | 5,195 |
| Return on Equity (ROE) | -5.3748% | 5,209 |
| Retained earnings to average equity (ytd only) | -5.3748% | 5,072 |
| Net charge-offs to loans | 0.3798% | 436 |
| Credit loss provision to net charge-offs | 866.3366% | 392 |
| Earnings coverage of net charge-offs (x) | 2.5347% | 2,931 |
| Efficiency ratio | 83.8588% | 661 |
| Assets per employee ($millions) | 4.5288% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1016% | 118 |
| Loan loss allowance to noncurrent loans | 34.3091% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 5.8834% | 56 |
| Noncurrent loans to loans | 9.0401% | 35 |
| Net loans and leases to total assets | 61.0896% | 3,639 |
| Net loans and leases to deposits | 67.7114% | 3,988 |
| Net loans and leases to core deposits | 71.9753% | 4,005 |
| Total domestic deposits to total assets | 90.2206% | 275 |
| Equity capital to assets | 9.5856% | 4,325 |
| Core capital (leverage) ratio | 9.3074% | 4,353 |
| Tier 1 risk-based capital ratio | 13.0823% | 3,797 |
| Total risk-based capital ratio | 14.3499% | 3,697 |
| Memoranda: | ||
| Average total assets | $83,962,000 | 4,305 |
| Average earning assets | $79,203,330 | 4,279 |
| Average equity | $7,888,670 | 4,598 |
| Average total loans | $53,184,670 | 4,196 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 2,145 |
| Cost of funding earning assets | 0.8987% | 2,013 |
| Net interest margin | 3.8243% | 2,438 |
| Noninterest income to average assets | 0.2864% | 3,962 |
| Noninterest expense to average assets | 3.2635% | 1,359 |
| Loan and lease loss provision to assets | 0.7748% | 132 |
| Net operating income to assets | -0.1127% | 5,183 |
| Return on assets (ROA) | 1.7045% | 749 |
| Pretax return on assets | 1.6623% | 1,305 |
| Return on Equity (ROE) | 18.3195% | 371 |
| Retained earnings to average equity (ytd only) | 18.3195% | 134 |
| Net charge-offs to loans | 0.1109% | 1,071 |
| Credit loss provision to net charge-offs | 1,100.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 8.8000% | 2,068 |
| Efficiency ratio | 84.0387% | 707 |
| Assets per employee ($millions) | 3.9501% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 644 |
| Loan loss allowance to noncurrent loans | 56.3626% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.2097% | 396 |
| Noncurrent loans to loans | 3.2852% | 294 |
| Net loans and leases to total assets | 61.9833% | 3,505 |
| Net loans and leases to deposits | 68.8959% | 3,846 |
| Net loans and leases to core deposits | 73.1633% | 3,852 |
| Total domestic deposits to total assets | 89.9666% | 458 |
| Equity capital to assets | 9.8996% | 3,919 |
| Core capital (leverage) ratio | 9.5794% | 4,046 |
| Tier 1 risk-based capital ratio | 13.8103% | 3,447 |
| Total risk-based capital ratio | 15.0646% | 3,356 |
| Memoranda: | ||
| Average total assets | $85,184,000 | 4,338 |
| Average earning assets | $80,118,500 | 4,302 |
| Average equity | $7,926,000 | 4,622 |
| Average total loans | $54,080,500 | 4,207 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 1,992 |
| Cost of funding earning assets | 0.6006% | 2,713 |
| Net interest margin | 4.0475% | 1,839 |
| Noninterest income to average assets | 0.2795% | 4,233 |
| Noninterest expense to average assets | 2.7541% | 2,841 |
| Loan and lease loss provision to assets | 0.8335% | 118 |
| Net operating income to assets | 0.4798% | 4,703 |
| Return on assets (ROA) | 0.4798% | 4,703 |
| Pretax return on assets | 0.5009% | 4,795 |
| Return on Equity (ROE) | 5.0630% | 4,439 |
| Retained earnings to average equity (ytd only) | 0.4959% | 4,854 |
| Net charge-offs to loans | 0.8847% | 171 |
| Credit loss provision to net charge-offs | 137.2709% | 1,955 |
| Earnings coverage of net charge-offs (x) | 2.1976% | 3,549 |
| Efficiency ratio | 67.3624% | 2,646 |
| Assets per employee ($millions) | 4.8564% | 2,672 |
| Cash dividends to net income (ytd only)* | 90.2062% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,379 |
| Loan loss allowance to noncurrent loans | 42.2680% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.3257% | 354 |
| Noncurrent loans to loans | 3.4783% | 257 |
| Net loans and leases to total assets | 62.8656% | 3,479 |
| Net loans and leases to deposits | 68.9961% | 3,905 |
| Net loans and leases to core deposits | 70.7933% | 4,076 |
| Total domestic deposits to total assets | 91.1148% | 179 |
| Equity capital to assets | 8.7399% | 4,774 |
| Core capital (leverage) ratio | 9.9043% | 3,693 |
| Tier 1 risk-based capital ratio | 12.4328% | 4,178 |
| Total risk-based capital ratio | 13.6819% | 4,052 |
| Memoranda: | ||
| Average total assets | $80,860,600 | 4,419 |
| Average earning assets | $76,096,000 | 4,377 |
| Average equity | $7,663,400 | 4,653 |
| Average total loans | $55,501,200 | 4,196 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,810 |
| Cost of funding earning assets | 0.5116% | 3,119 |
| Net interest margin | 4.1450% | 1,506 |
| Noninterest income to average assets | 0.3198% | 4,010 |
| Noninterest expense to average assets | 2.9503% | 2,164 |
| Loan and lease loss provision to assets | 0.4780% | 244 |
| Net operating income to assets | 0.7557% | 4,060 |
| Return on assets (ROA) | 0.7557% | 4,069 |
| Pretax return on assets | 0.7910% | 4,321 |
| Return on Equity (ROE) | 7.8058% | 3,624 |
| Retained earnings to average equity (ytd only) | 1.7212% | 4,667 |
| Net charge-offs to loans | 0.3488% | 469 |
| Credit loss provision to net charge-offs | 195.8621% | 1,405 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,978 |
| Efficiency ratio | 69.9242% | 2,197 |
| Assets per employee ($millions) | 4.8193% | 2,700 |
| Cash dividends to net income (ytd only)* | 77.9521% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,204 |
| Loan loss allowance to noncurrent loans | 30.8549% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 3.1833% | 214 |
| Noncurrent loans to loans | 4.1421% | 194 |
| Net loans and leases to total assets | 73.1642% | 2,136 |
| Net loans and leases to deposits | 85.0965% | 2,461 |
| Net loans and leases to core deposits | 87.9289% | 2,847 |
| Total domestic deposits to total assets | 85.9779% | 2,206 |
| Equity capital to assets | 9.2020% | 4,363 |
| Core capital (leverage) ratio | 9.9085% | 3,731 |
| Tier 1 risk-based capital ratio | 12.0280% | 4,490 |
| Total risk-based capital ratio | 13.1885% | 4,414 |
| Memoranda: | ||
| Average total assets | $79,222,000 | 4,487 |
| Average earning assets | $74,530,500 | 4,457 |
| Average equity | $7,669,250 | 4,700 |
| Average total loans | $55,433,000 | 4,246 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 1,966 |
| Cost of funding earning assets | 0.3927% | 3,780 |
| Net interest margin | 4.1454% | 1,422 |
| Noninterest income to average assets | 0.3473% | 3,849 |
| Noninterest expense to average assets | 2.9443% | 2,211 |
| Loan and lease loss provision to assets | 0.1660% | 1,108 |
| Net operating income to assets | 1.0700% | 2,716 |
| Return on assets (ROA) | 1.0700% | 2,716 |
| Pretax return on assets | 1.1185% | 3,242 |
| Return on Equity (ROE) | 10.8652% | 2,171 |
| Retained earnings to average equity (ytd only) | 5.0307% | 3,060 |
| Net charge-offs to loans | 0.2236% | 715 |
| Credit loss provision to net charge-offs | 108.3333% | 1,911 |
| Earnings coverage of net charge-offs (x) | 8.3833% | 2,482 |
| Efficiency ratio | 69.6256% | 2,376 |
| Assets per employee ($millions) | 4.3968% | 3,283 |
| Cash dividends to net income (ytd only)* | 53.6993% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,145 |
| Loan loss allowance to noncurrent loans | 27.2149% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 3.1550% | 221 |
| Noncurrent loans to loans | 4.1199% | 208 |
| Net loans and leases to total assets | 71.5376% | 2,351 |
| Net loans and leases to deposits | 81.8177% | 2,787 |
| Net loans and leases to core deposits | 94.6124% | 2,169 |
| Total domestic deposits to total assets | 87.4354% | 1,672 |
| Equity capital to assets | 9.7457% | 3,878 |
| Core capital (leverage) ratio | 10.6817% | 2,831 |
| Tier 1 risk-based capital ratio | 12.6859% | 4,070 |
| Total risk-based capital ratio | 13.6865% | 4,116 |
| Memoranda: | ||
| Average total assets | $78,320,000 | 4,550 |
| Average earning assets | $73,334,000 | 4,518 |
| Average equity | $7,712,670 | 4,743 |
| Average total loans | $53,671,330 | 4,313 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 2,149 |
| Cost of funding earning assets | 0.3776% | 3,754 |
| Net interest margin | 4.0368% | 1,603 |
| Noninterest income to average assets | 0.2875% | 4,250 |
| Noninterest expense to average assets | 2.9830% | 2,104 |
| Loan and lease loss provision to assets | 0.1797% | 958 |
| Net operating income to assets | 0.8112% | 3,664 |
| Return on assets (ROA) | 0.8112% | 3,671 |
| Pretax return on assets | 0.8574% | 3,991 |
| Return on Equity (ROE) | 8.1945% | 3,297 |
| Retained earnings to average equity (ytd only) | 8.1945% | 1,769 |
| Net charge-offs to loans | 0.2005% | 736 |
| Credit loss provision to net charge-offs | 134.6154% | 1,303 |
| Earnings coverage of net charge-offs (x) | 7.7692% | 2,064 |
| Efficiency ratio | 74.2018% | 1,873 |
| Assets per employee ($millions) | 4.1869% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,581 |
| Loan loss allowance to noncurrent loans | 24.1766% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 3.5455% | 203 |
| Noncurrent loans to loans | 5.1261% | 142 |
| Net loans and leases to total assets | 68.3071% | 2,726 |
| Net loans and leases to deposits | 76.2031% | 3,189 |
| Net loans and leases to core deposits | 85.0625% | 2,887 |
| Total domestic deposits to total assets | 89.6383% | 818 |
| Equity capital to assets | 10.2091% | 3,379 |
| Core capital (leverage) ratio | 10.2935% | 3,196 |
| Tier 1 risk-based capital ratio | 14.0212% | 3,375 |
| Total risk-based capital ratio | 15.1391% | 3,352 |
| Memoranda: | ||
| Average total assets | $77,908,500 | 4,606 |
| Average earning assets | $72,037,500 | 4,593 |
| Average equity | $7,712,500 | 4,794 |
| Average total loans | $51,877,500 | 4,399 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 2,268 |
| Cost of funding earning assets | 0.3536% | 3,680 |
| Net interest margin | 3.9641% | 1,868 |
| Noninterest income to average assets | 0.3046% | 4,279 |
| Noninterest expense to average assets | 2.9325% | 2,337 |
| Loan and lease loss provision to assets | 0.2110% | 944 |
| Net operating income to assets | 0.8663% | 2,886 |
| Return on assets (ROA) | 0.8637% | 2,918 |
| Pretax return on assets | 0.8835% | 3,965 |
| Return on Equity (ROE) | 8.4566% | 2,578 |
| Retained earnings to average equity (ytd only) | 2.2594% | 3,964 |
| Net charge-offs to loans | 0.4437% | 547 |
| Credit loss provision to net charge-offs | 70.4846% | 3,084 |
| Earnings coverage of net charge-offs (x) | 3.6652% | 3,576 |
| Efficiency ratio | 72.7749% | 2,105 |
| Assets per employee ($millions) | 4.7325% | 2,818 |
| Cash dividends to net income (ytd only)* | 73.2824% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,574 |
| Loan loss allowance to noncurrent loans | 25.2377% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 3.1372% | 247 |
| Noncurrent loans to loans | 4.8886% | 147 |
| Net loans and leases to total assets | 63.3823% | 3,442 |
| Net loans and leases to deposits | 70.1986% | 3,851 |
| Net loans and leases to core deposits | 77.3125% | 3,643 |
| Total domestic deposits to total assets | 90.2900% | 472 |
| Equity capital to assets | 9.6093% | 4,134 |
| Core capital (leverage) ratio | 10.7701% | 2,568 |
| Tier 1 risk-based capital ratio | 12.9028% | 3,971 |
| Total risk-based capital ratio | 13.9374% | 3,991 |
| Memoranda: | ||
| Average total assets | $75,839,000 | 4,672 |
| Average earning assets | $71,265,400 | 4,644 |
| Average equity | $7,745,400 | 4,822 |
| Average total loans | $51,164,800 | 4,427 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 2,313 |
| Cost of funding earning assets | 0.3452% | 3,722 |
| Net interest margin | 3.9396% | 1,896 |
| Noninterest income to average assets | 0.3035% | 4,364 |
| Noninterest expense to average assets | 2.9706% | 2,189 |
| Loan and lease loss provision to assets | 0.2321% | 782 |
| Net operating income to assets | 0.8176% | 3,450 |
| Return on assets (ROA) | 0.8158% | 3,504 |
| Pretax return on assets | 0.8480% | 4,214 |
| Return on Equity (ROE) | 7.8632% | 3,198 |
| Retained earnings to average equity (ytd only) | 1.6690% | 4,759 |
| Net charge-offs to loans | 0.5903% | 332 |
| Credit loss provision to net charge-offs | 57.5221% | 2,833 |
| Earnings coverage of net charge-offs (x) | 2.6814% | 3,433 |
| Efficiency ratio | 73.3040% | 2,001 |
| Assets per employee ($millions) | 4.0621% | 3,879 |
| Cash dividends to net income (ytd only)* | 78.7747% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,181 |
| Loan loss allowance to noncurrent loans | 21.2587% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 3.9115% | 174 |
| Noncurrent loans to loans | 5.4237% | 132 |
| Net loans and leases to total assets | 71.2885% | 2,363 |
| Net loans and leases to deposits | 84.9963% | 2,436 |
| Net loans and leases to core deposits | 95.3918% | 2,136 |
| Total domestic deposits to total assets | 83.8724% | 3,166 |
| Equity capital to assets | 10.7116% | 3,155 |
| Core capital (leverage) ratio | 10.7254% | 2,730 |
| Tier 1 risk-based capital ratio | 12.6363% | 4,241 |
| Total risk-based capital ratio | 13.6131% | 4,308 |
| Memoranda: | ||
| Average total assets | $74,685,500 | 4,747 |
| Average earning assets | $71,071,250 | 4,693 |
| Average equity | $7,749,000 | 4,873 |
| Average total loans | $51,048,500 | 4,475 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 2,289 |
| Cost of funding earning assets | 0.3302% | 3,789 |
| Net interest margin | 3.9200% | 1,863 |
| Noninterest income to average assets | 0.2952% | 4,427 |
| Noninterest expense to average assets | 2.8242% | 2,670 |
| Loan and lease loss provision to assets | 0.0266% | 3,469 |
| Net operating income to assets | 1.1249% | 1,874 |
| Return on assets (ROA) | 1.1249% | 1,924 |
| Pretax return on assets | 1.1701% | 2,894 |
| Return on Equity (ROE) | 10.9567% | 1,660 |
| Retained earnings to average equity (ytd only) | 3.8335% | 3,410 |
| Net charge-offs to loans | 0.1347% | 1,356 |
| Credit loss provision to net charge-offs | 29.4118% | 2,726 |
| Earnings coverage of net charge-offs (x) | 13.2353% | 2,142 |
| Efficiency ratio | 70.2381% | 2,635 |
| Assets per employee ($millions) | 4.3015% | 3,430 |
| Cash dividends to net income (ytd only)* | 65.0118% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 2,292 |
| Loan loss allowance to noncurrent loans | 20.4020% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 4.5579% | 130 |
| Noncurrent loans to loans | 6.5002% | 86 |
| Net loans and leases to total assets | 69.1888% | 2,636 |
| Net loans and leases to deposits | 78.2574% | 3,092 |
| Net loans and leases to core deposits | 87.2749% | 2,774 |
| Total domestic deposits to total assets | 88.4118% | 1,254 |
| Equity capital to assets | 10.8156% | 3,015 |
| Core capital (leverage) ratio | 10.6557% | 2,753 |
| Tier 1 risk-based capital ratio | 13.3487% | 3,778 |
| Total risk-based capital ratio | 14.4953% | 3,753 |
| Memoranda: | ||
| Average total assets | $75,208,330 | 4,763 |
| Average earning assets | $71,480,330 | 4,709 |
| Average equity | $7,721,330 | 4,900 |
| Average total loans | $50,487,330 | 4,515 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 2,615 |
| Cost of funding earning assets | 0.3209% | 3,842 |
| Net interest margin | 3.7899% | 2,152 |
| Noninterest income to average assets | 0.2833% | 4,522 |
| Noninterest expense to average assets | 2.9482% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8918% | 2,803 |
| Return on assets (ROA) | 0.8918% | 2,849 |
| Pretax return on assets | 0.9285% | 3,665 |
| Return on Equity (ROE) | 8.9151% | 2,459 |
| Retained earnings to average equity (ytd only) | 8.9151% | 1,111 |
| Net charge-offs to loans | 0.0479% | 1,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,228 |
| Efficiency ratio | 76.0487% | 1,895 |
| Assets per employee ($millions) | 4.2857% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 2,010 |
| Loan loss allowance to noncurrent loans | 21.1387% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 4.5322% | 144 |
| Noncurrent loans to loans | 6.6999% | 85 |
| Net loans and leases to total assets | 66.6868% | 2,864 |
| Net loans and leases to deposits | 74.7327% | 3,334 |
| Net loans and leases to core deposits | 83.2893% | 2,968 |
| Total domestic deposits to total assets | 89.2337% | 1,039 |
| Equity capital to assets | 10.6373% | 3,029 |
| Core capital (leverage) ratio | 10.3510% | 3,057 |
| Tier 1 risk-based capital ratio | 12.9767% | 4,092 |
| Total risk-based capital ratio | 14.1176% | 4,061 |
| Memoranda: | ||
| Average total assets | $76,249,500 | 4,790 |
| Average earning assets | $72,298,000 | 4,738 |
| Average equity | $7,627,500 | 4,953 |
| Average total loans | $50,093,500 | 4,562 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 1,855 |
| Cost of funding earning assets | 0.2801% | 4,254 |
| Net interest margin | 4.1096% | 1,363 |
| Noninterest income to average assets | 0.3331% | 4,348 |
| Noninterest expense to average assets | 3.0510% | 2,176 |
| Loan and lease loss provision to assets | 0.1693% | 1,442 |
| Net operating income to assets | 0.9738% | 2,470 |
| Return on assets (ROA) | 1.0133% | 2,394 |
| Pretax return on assets | 1.0763% | 3,195 |
| Return on Equity (ROE) | 9.3470% | 2,251 |
| Retained earnings to average equity (ytd only) | 2.2464% | 4,255 |
| Net charge-offs to loans | 0.0747% | 2,630 |
| Credit loss provision to net charge-offs | 327.0270% | 918 |
| Earnings coverage of net charge-offs (x) | 23.2432% | 1,696 |
| Efficiency ratio | 71.7105% | 2,632 |
| Assets per employee ($millions) | 4.6848% | 2,812 |
| Cash dividends to net income (ytd only)* | 75.9669% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 2,153 |
| Loan loss allowance to noncurrent loans | 23.4510% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 3.7694% | 212 |
| Noncurrent loans to loans | 5.8975% | 106 |
| Net loans and leases to total assets | 63.0308% | 3,478 |
| Net loans and leases to deposits | 69.6763% | 3,941 |
| Net loans and leases to core deposits | 76.2104% | 3,735 |
| Total domestic deposits to total assets | 90.4623% | 459 |
| Equity capital to assets | 9.4234% | 4,352 |
| Core capital (leverage) ratio | 10.4588% | 2,924 |
| Tier 1 risk-based capital ratio | 12.2497% | 4,538 |
| Total risk-based capital ratio | 13.3597% | 4,527 |
| Memoranda: | ||
| Average total assets | $71,451,200 | 4,902 |
| Average earning assets | $68,182,400 | 4,847 |
| Average equity | $7,745,800 | 4,974 |
| Average total loans | $49,507,200 | 4,589 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 1,551 |
| Cost of funding earning assets | 0.2714% | 4,375 |
| Net interest margin | 4.2257% | 1,066 |
| Noninterest income to average assets | 0.3458% | 4,310 |
| Noninterest expense to average assets | 3.0507% | 2,161 |
| Loan and lease loss provision to assets | 0.1556% | 1,493 |
| Net operating income to assets | 1.1062% | 1,972 |
| Return on assets (ROA) | 1.1603% | 1,869 |
| Pretax return on assets | 1.2353% | 2,682 |
| Return on Equity (ROE) | 10.3166% | 1,921 |
| Retained earnings to average equity (ytd only) | 4.7654% | 2,979 |
| Net charge-offs to loans | 0.0868% | 2,096 |
| Credit loss provision to net charge-offs | 253.1250% | 1,188 |
| Earnings coverage of net charge-offs (x) | 21.6853% | 1,811 |
| Efficiency ratio | 69.5881% | 2,953 |
| Assets per employee ($millions) | 4.1682% | 3,657 |
| Cash dividends to net income (ytd only)* | 53.8079% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,709 |
| Loan loss allowance to noncurrent loans | 61.4325% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5369% | 1,149 |
| Noncurrent loans to loans | 2.1095% | 908 |
| Net loans and leases to total assets | 71.9090% | 2,210 |
| Net loans and leases to deposits | 82.5433% | 2,666 |
| Net loans and leases to core deposits | 90.6832% | 2,513 |
| Total domestic deposits to total assets | 87.1167% | 1,845 |
| Equity capital to assets | 11.3154% | 2,687 |
| Core capital (leverage) ratio | 11.1659% | 2,300 |
| Tier 1 risk-based capital ratio | 13.0641% | 4,126 |
| Total risk-based capital ratio | 14.1741% | 4,119 |
| Memoranda: | ||
| Average total assets | $69,403,500 | 4,986 |
| Average earning assets | $66,323,500 | 4,924 |
| Average equity | $7,806,000 | 5,017 |
| Average total loans | $49,158,250 | 4,642 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 1,792 |
| Cost of funding earning assets | 0.2608% | 4,540 |
| Net interest margin | 4.1518% | 1,218 |
| Noninterest income to average assets | 0.3424% | 4,331 |
| Noninterest expense to average assets | 2.9397% | 2,550 |
| Loan and lease loss provision to assets | 0.0725% | 2,684 |
| Net operating income to assets | 1.2084% | 1,568 |
| Return on assets (ROA) | 1.2246% | 1,613 |
| Pretax return on assets | 1.3204% | 2,325 |
| Return on Equity (ROE) | 10.9110% | 1,680 |
| Retained earnings to average equity (ytd only) | 5.7399% | 2,272 |
| Net charge-offs to loans | 0.0414% | 2,636 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 47.4000% | 1,028 |
| Efficiency ratio | 68.1237% | 3,320 |
| Assets per employee ($millions) | 4.1056% | 3,729 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 3,007 |
| Loan loss allowance to noncurrent loans | 72.6545% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.2522% | 1,635 |
| Noncurrent loans to loans | 1.7353% | 1,211 |
| Net loans and leases to total assets | 71.2544% | 2,290 |
| Net loans and leases to deposits | 83.1027% | 2,578 |
| Net loans and leases to core deposits | 83.8609% | 3,097 |
| Total domestic deposits to total assets | 85.7425% | 2,540 |
| Equity capital to assets | 11.4578% | 2,589 |
| Core capital (leverage) ratio | 11.1534% | 2,280 |
| Tier 1 risk-based capital ratio | 13.1586% | 4,101 |
| Total risk-based capital ratio | 14.2275% | 4,125 |
| Memoranda: | ||
| Average total assets | $68,918,330 | 5,047 |
| Average earning assets | $65,946,670 | 4,979 |
| Average equity | $7,735,330 | 5,068 |
| Average total loans | $48,336,670 | 4,704 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 1,896 |
| Cost of funding earning assets | 0.2635% | 4,564 |
| Net interest margin | 4.1061% | 1,323 |
| Noninterest income to average assets | 0.3621% | 4,132 |
| Noninterest expense to average assets | 3.0900% | 2,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0572% | 2,063 |
| Return on assets (ROA) | 1.0572% | 2,171 |
| Pretax return on assets | 1.1857% | 2,758 |
| Return on Equity (ROE) | 9.5207% | 2,194 |
| Retained earnings to average equity (ytd only) | 4.2606% | 3,350 |
| Net charge-offs to loans | 0.0338% | 2,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 50.7500% | 884 |
| Efficiency ratio | 72.2678% | 2,759 |
| Assets per employee ($millions) | 4.3879% | 3,264 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,979 |
| Loan loss allowance to noncurrent loans | 54.2254% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.6181% | 1,228 |
| Noncurrent loans to loans | 2.3731% | 825 |
| Net loans and leases to total assets | 67.3067% | 2,761 |
| Net loans and leases to deposits | 76.9860% | 3,111 |
| Net loans and leases to core deposits | 77.6693% | 3,526 |
| Total domestic deposits to total assets | 87.4272% | 1,974 |
| Equity capital to assets | 11.0032% | 2,935 |
| Core capital (leverage) ratio | 10.8564% | 2,564 |
| Tier 1 risk-based capital ratio | 13.3693% | 4,057 |
| Total risk-based capital ratio | 14.4422% | 4,070 |
| Memoranda: | ||
| Average total assets | $68,480,000 | 5,106 |
| Average earning assets | $65,268,000 | 5,041 |
| Average equity | $7,604,500 | 5,122 |
| Average total loans | $47,321,500 | 4,755 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 3,444 |
| Cost of funding earning assets | 0.2692% | 4,593 |
| Net interest margin | 3.6971% | 2,758 |
| Noninterest income to average assets | 0.2772% | 4,902 |
| Noninterest expense to average assets | 2.7871% | 3,291 |
| Loan and lease loss provision to assets | 0.4550% | 266 |
| Net operating income to assets | 0.5510% | 4,492 |
| Return on assets (ROA) | 0.6047% | 4,345 |
| Pretax return on assets | 0.6285% | 4,754 |
| Return on Equity (ROE) | 5.8057% | 4,130 |
| Retained earnings to average equity (ytd only) | 1.7740% | 4,720 |
| Net charge-offs to loans | 0.0096% | 4,128 |
| Credit loss provision to net charge-offs | 8,125.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 183.5000% | 359 |
| Efficiency ratio | 73.0642% | 2,733 |
| Assets per employee ($millions) | 4.7681% | 2,649 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,771 |
| Loan loss allowance to noncurrent loans | 75.1515% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2359% | 1,737 |
| Noncurrent loans to loans | 1.7638% | 1,267 |
| Net loans and leases to total assets | 69.1400% | 2,510 |
| Net loans and leases to deposits | 78.3649% | 3,010 |
| Net loans and leases to core deposits | 79.0901% | 3,437 |
| Total domestic deposits to total assets | 88.2282% | 1,522 |
| Equity capital to assets | 11.2115% | 2,629 |
| Core capital (leverage) ratio | 11.2404% | 2,166 |
| Tier 1 risk-based capital ratio | 13.7718% | 3,842 |
| Total risk-based capital ratio | 14.8960% | 3,852 |
| Memoranda: | ||
| Average total assets | $71,435,200 | 5,056 |
| Average earning assets | $68,350,600 | 4,975 |
| Average equity | $7,441,000 | 5,164 |
| Average total loans | $41,764,800 | 4,944 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 4,055 |
| Cost of funding earning assets | 0.2703% | 4,661 |
| Net interest margin | 3.5402% | 3,385 |
| Noninterest income to average assets | 0.2516% | 5,137 |
| Noninterest expense to average assets | 2.5507% | 4,045 |
| Loan and lease loss provision to assets | 0.5601% | 172 |
| Net operating income to assets | 0.5129% | 4,743 |
| Return on assets (ROA) | 0.5693% | 4,616 |
| Pretax return on assets | 0.5913% | 4,993 |
| Return on Equity (ROE) | 5.5627% | 4,374 |
| Retained earnings to average equity (ytd only) | 1.9738% | 4,889 |
| Net charge-offs to loans | 0.0263% | 3,415 |
| Credit loss provision to net charge-offs | 3,812.5000% | 104 |
| Earnings coverage of net charge-offs (x) | 74.3496% | 782 |
| Efficiency ratio | 70.0101% | 3,212 |
| Assets per employee ($millions) | 4.4011% | 3,169 |
| Cash dividends to net income (ytd only)* | 64.5166% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 3,066 |
| Loan loss allowance to noncurrent loans | 94.0063% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 2,450 |
| Noncurrent loans to loans | 1.3873% | 1,841 |
| Net loans and leases to total assets | 68.3203% | 2,634 |
| Net loans and leases to deposits | 80.7733% | 2,791 |
| Net loans and leases to core deposits | 81.5621% | 3,301 |
| Total domestic deposits to total assets | 84.5828% | 3,183 |
| Equity capital to assets | 11.4092% | 2,576 |
| Core capital (leverage) ratio | 11.2085% | 2,287 |
| Tier 1 risk-based capital ratio | 14.1353% | 3,772 |
| Total risk-based capital ratio | 15.2478% | 3,792 |
| Memoranda: | ||
| Average total assets | $72,605,750 | 5,086 |
| Average earning assets | $69,560,500 | 5,006 |
| Average equity | $7,430,250 | 5,228 |
| Average total loans | $40,512,750 | 5,040 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6434% | 4,596 |
| Cost of funding earning assets | 0.2708% | 4,706 |
| Net interest margin | 3.3726% | 3,999 |
| Noninterest income to average assets | 0.2591% | 5,100 |
| Noninterest expense to average assets | 2.4176% | 4,491 |
| Loan and lease loss provision to assets | 0.2431% | 738 |
| Net operating income to assets | 0.7938% | 3,423 |
| Return on assets (ROA) | 0.8041% | 3,460 |
| Pretax return on assets | 0.8361% | 4,180 |
| Return on Equity (ROE) | 8.0665% | 3,015 |
| Retained earnings to average equity (ytd only) | 6.0565% | 2,211 |
| Net charge-offs to loans | -0.0825% | 5,715 |
| Credit loss provision to net charge-offs | -568.7500% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3487% | 3,433 |
| Assets per employee ($millions) | 5.1673% | 2,076 |
| Cash dividends to net income (ytd only)* | 24.9169% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 5,036 |
| Loan loss allowance to noncurrent loans | 104.1026% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 3,817 |
| Noncurrent loans to loans | 0.9258% | 2,819 |
| Net loans and leases to total assets | 57.6705% | 4,150 |
| Net loans and leases to deposits | 71.5891% | 3,754 |
| Net loans and leases to core deposits | 72.6437% | 4,071 |
| Total domestic deposits to total assets | 80.5576% | 4,730 |
| Equity capital to assets | 10.3633% | 3,598 |
| Core capital (leverage) ratio | 10.2133% | 3,318 |
| Tier 1 risk-based capital ratio | 15.5850% | 3,053 |
| Total risk-based capital ratio | 16.4079% | 3,206 |
| Memoranda: | ||
| Average total assets | $74,868,670 | 5,078 |
| Average earning assets | $71,636,670 | 5,006 |
| Average equity | $7,463,000 | 5,268 |
| Average total loans | $38,784,000 | 5,151 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4065% | 5,188 |
| Cost of funding earning assets | 0.2701% | 4,785 |
| Net interest margin | 3.1364% | 4,831 |
| Noninterest income to average assets | 0.2942% | 4,819 |
| Noninterest expense to average assets | 2.4484% | 4,451 |
| Loan and lease loss provision to assets | 0.1839% | 1,034 |
| Net operating income to assets | 0.6305% | 4,144 |
| Return on assets (ROA) | 0.6305% | 4,258 |
| Pretax return on assets | 0.6515% | 4,758 |
| Return on Equity (ROE) | 6.4464% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.4464% | 2,261 |
| Net charge-offs to loans | -0.1832% | 6,034 |
| Credit loss provision to net charge-offs | -205.8824% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5600% | 2,723 |
| Assets per employee ($millions) | 5.4214% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 5,326 |
| Loan loss allowance to noncurrent loans | 170.3883% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 4,785 |
| Noncurrent loans to loans | 0.5471% | 3,944 |
| Net loans and leases to total assets | 49.1482% | 4,928 |
| Net loans and leases to deposits | 56.3609% | 5,026 |
| Net loans and leases to core deposits | 57.5371% | 5,153 |
| Total domestic deposits to total assets | 87.2027% | 2,269 |
| Equity capital to assets | 10.0686% | 4,061 |
| Core capital (leverage) ratio | 9.7018% | 4,009 |
| Tier 1 risk-based capital ratio | 16.4622% | 2,699 |
| Total risk-based capital ratio | 17.2242% | 2,870 |
| Memoranda: | ||
| Average total assets | $76,132,000 | 5,107 |
| Average earning assets | $72,566,500 | 5,042 |
| Average equity | $7,446,000 | 5,319 |
| Average total loans | $37,113,000 | 5,242 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 5,099 |
| Cost of funding earning assets | 0.3378% | 4,389 |
| Net interest margin | 3.2554% | 4,729 |
| Noninterest income to average assets | 0.3121% | 4,888 |
| Noninterest expense to average assets | 2.6318% | 4,111 |
| Loan and lease loss provision to assets | 0.0719% | 3,046 |
| Net operating income to assets | 0.6664% | 4,055 |
| Return on assets (ROA) | 0.6774% | 4,117 |
| Pretax return on assets | 0.7104% | 4,579 |
| Return on Equity (ROE) | 6.7176% | 3,782 |
| Retained earnings to average equity (ytd only) | 2.4389% | 4,492 |
| Net charge-offs to loans | 0.1639% | 2,392 |
| Credit loss provision to net charge-offs | 90.9091% | 2,628 |
| Earnings coverage of net charge-offs (x) | 9.7455% | 2,706 |
| Efficiency ratio | 77.3457% | 2,306 |
| Assets per employee ($millions) | 5.4546% | 1,810 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 5,734 |
| Loan loss allowance to noncurrent loans | 99.3355% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 4,511 |
| Noncurrent loans to loans | 0.8230% | 3,256 |
| Net loans and leases to total assets | 47.4995% | 5,200 |
| Net loans and leases to deposits | 52.5285% | 5,445 |
| Net loans and leases to core deposits | 53.6170% | 5,521 |
| Total domestic deposits to total assets | 90.4262% | 569 |
| Equity capital to assets | 9.4939% | 4,733 |
| Core capital (leverage) ratio | 10.2908% | 3,186 |
| Tier 1 risk-based capital ratio | 16.5049% | 2,711 |
| Total risk-based capital ratio | 17.1661% | 2,953 |
| Memoranda: | ||
| Average total assets | $69,533,800 | 5,311 |
| Average earning assets | $66,012,600 | 5,225 |
| Average equity | $7,011,400 | 5,407 |
| Average total loans | $33,563,800 | 5,415 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 5,072 |
| Cost of funding earning assets | 0.3606% | 4,227 |
| Net interest margin | 3.2681% | 4,728 |
| Noninterest income to average assets | 0.3047% | 5,006 |
| Noninterest expense to average assets | 2.5083% | 4,503 |
| Loan and lease loss provision to assets | 0.0688% | 2,968 |
| Net operating income to assets | 0.7891% | 3,472 |
| Return on assets (ROA) | 0.8040% | 3,505 |
| Pretax return on assets | 0.8433% | 4,209 |
| Return on Equity (ROE) | 7.8444% | 3,287 |
| Retained earnings to average equity (ytd only) | 4.0085% | 3,798 |
| Net charge-offs to loans | 0.0650% | 3,272 |
| Credit loss provision to net charge-offs | 218.7500% | 1,183 |
| Earnings coverage of net charge-offs (x) | 28.5035% | 1,418 |
| Efficiency ratio | 73.6721% | 2,873 |
| Assets per employee ($millions) | 4.6656% | 2,713 |
| Cash dividends to net income (ytd only)* | 48.8997% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 5,493 |
| Loan loss allowance to noncurrent loans | 80.9524% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 4,005 |
| Noncurrent loans to loans | 1.1513% | 2,753 |
| Net loans and leases to total assets | 52.5628% | 4,743 |
| Net loans and leases to deposits | 59.0655% | 5,015 |
| Net loans and leases to core deposits | 60.5211% | 5,158 |
| Total domestic deposits to total assets | 88.9908% | 1,241 |
| Equity capital to assets | 10.9235% | 3,037 |
| Core capital (leverage) ratio | 11.2476% | 2,265 |
| Tier 1 risk-based capital ratio | 18.1175% | 2,175 |
| Total risk-based capital ratio | 18.8976% | 2,299 |
| Memoranda: | ||
| Average total assets | $67,826,000 | 5,407 |
| Average earning assets | $64,337,750 | 5,321 |
| Average equity | $6,951,750 | 5,472 |
| Average total loans | $32,811,750 | 5,500 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5474% | 5,295 |
| Cost of funding earning assets | 0.3679% | 4,233 |
| Net interest margin | 3.1795% | 5,012 |
| Noninterest income to average assets | 0.2796% | 5,189 |
| Noninterest expense to average assets | 2.4526% | 4,727 |
| Loan and lease loss provision to assets | 0.0291% | 3,690 |
| Net operating income to assets | 0.7792% | 3,430 |
| Return on assets (ROA) | 0.8069% | 3,392 |
| Pretax return on assets | 0.8476% | 4,087 |
| Return on Equity (ROE) | 8.0399% | 3,068 |
| Retained earnings to average equity (ytd only) | 4.4118% | 3,368 |
| Net charge-offs to loans | 0.0932% | 2,747 |
| Credit loss provision to net charge-offs | 66.6667% | 2,524 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,628 |
| Efficiency ratio | 74.3160% | 2,919 |
| Assets per employee ($millions) | 5.1251% | 2,053 |
| Cash dividends to net income (ytd only)* | 45.1264% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 5,724 |
| Loan loss allowance to noncurrent loans | 24.8133% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 1.8086% | 1,792 |
| Noncurrent loans to loans | 3.6247% | 717 |
| Net loans and leases to total assets | 49.4477% | 5,023 |
| Net loans and leases to deposits | 57.1495% | 5,109 |
| Net loans and leases to core deposits | 58.9894% | 5,205 |
| Total domestic deposits to total assets | 86.5233% | 2,746 |
| Equity capital to assets | 10.6535% | 3,249 |
| Core capital (leverage) ratio | 10.8800% | 2,549 |
| Tier 1 risk-based capital ratio | 18.2382% | 2,153 |
| Total risk-based capital ratio | 18.9706% | 2,312 |
| Memoranda: | ||
| Average total assets | $68,662,000 | 5,432 |
| Average earning assets | $65,231,330 | 5,342 |
| Average equity | $6,890,670 | 5,512 |
| Average total loans | $32,197,000 | 5,569 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 5,357 |
| Cost of funding earning assets | 0.3643% | 4,391 |
| Net interest margin | 3.1629% | 5,043 |
| Noninterest income to average assets | 0.2411% | 5,427 |
| Noninterest expense to average assets | 2.3594% | 5,041 |
| Loan and lease loss provision to assets | 0.0574% | 2,968 |
| Net operating income to assets | 0.7692% | 3,313 |
| Return on assets (ROA) | 0.7692% | 3,396 |
| Pretax return on assets | 0.8152% | 4,054 |
| Return on Equity (ROE) | 7.8975% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.8975% | 1,636 |
| Net charge-offs to loans | 0.0758% | 2,390 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,159 |
| Efficiency ratio | 73.0018% | 3,311 |
| Assets per employee ($millions) | 5.2537% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 5,561 |
| Loan loss allowance to noncurrent loans | 48.1250% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 3,384 |
| Noncurrent loans to loans | 2.0606% | 1,799 |
| Net loans and leases to total assets | 45.0247% | 5,424 |
| Net loans and leases to deposits | 50.1721% | 5,585 |
| Net loans and leases to core deposits | 51.9820% | 5,617 |
| Total domestic deposits to total assets | 89.7405% | 1,216 |
| Equity capital to assets | 10.1731% | 3,634 |
| Core capital (leverage) ratio | 10.5191% | 2,903 |
| Tier 1 risk-based capital ratio | 18.8809% | 2,002 |
| Total risk-based capital ratio | 19.6639% | 2,111 |
| Memoranda: | ||
| Average total assets | $69,680,000 | 5,454 |
| Average earning assets | $65,888,000 | 5,379 |
| Average equity | $6,787,000 | 5,569 |
| Average total loans | $31,673,500 | 5,644 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 5,325 |
| Cost of funding earning assets | 0.3557% | 5,086 |
| Net interest margin | 3.2774% | 4,745 |
| Noninterest income to average assets | 0.2822% | 5,338 |
| Noninterest expense to average assets | 2.6208% | 4,390 |
| Loan and lease loss provision to assets | 0.0436% | 4,248 |
| Net operating income to assets | 0.6772% | 3,907 |
| Return on assets (ROA) | 0.8479% | 3,121 |
| Pretax return on assets | 0.8755% | 3,869 |
| Return on Equity (ROE) | 8.1545% | 2,956 |
| Retained earnings to average equity (ytd only) | 2.0701% | 4,765 |
| Net charge-offs to loans | 0.0613% | 4,353 |
| Credit loss provision to net charge-offs | 157.8947% | 1,455 |
| Earnings coverage of net charge-offs (x) | 26.8947% | 1,284 |
| Efficiency ratio | 77.9075% | 2,488 |
| Assets per employee ($millions) | 5.0759% | 2,099 |
| Cash dividends to net income (ytd only)* | 74.6141% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 5,785 |
| Loan loss allowance to noncurrent loans | 741.4634% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 5,497 |
| Noncurrent loans to loans | 0.1270% | 5,823 |
| Net loans and leases to total assets | 45.0086% | 5,584 |
| Net loans and leases to deposits | 49.6831% | 5,794 |
| Net loans and leases to core deposits | 51.4659% | 5,840 |
| Total domestic deposits to total assets | 90.5913% | 757 |
| Equity capital to assets | 9.3243% | 4,661 |
| Core capital (leverage) ratio | 11.0898% | 2,306 |
| Tier 1 risk-based capital ratio | 17.7867% | 2,309 |
| Total risk-based capital ratio | 18.5282% | 2,473 |
| Memoranda: | ||
| Average total assets | $68,757,600 | 5,514 |
| Average earning assets | $64,654,800 | 5,446 |
| Average equity | $7,149,400 | 5,536 |
| Average total loans | $31,015,200 | 5,710 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6434% | 5,320 |
| Cost of funding earning assets | 0.3577% | 5,219 |
| Net interest margin | 3.2857% | 4,693 |
| Noninterest income to average assets | 0.2523% | 5,629 |
| Noninterest expense to average assets | 2.4444% | 4,892 |
| Loan and lease loss provision to assets | 0.0587% | 3,876 |
| Net operating income to assets | 0.8147% | 3,273 |
| Return on assets (ROA) | 1.0442% | 2,286 |
| Pretax return on assets | 1.0755% | 3,206 |
| Return on Equity (ROE) | 9.7796% | 2,269 |
| Retained earnings to average equity (ytd only) | 3.8276% | 3,964 |
| Net charge-offs to loans | 0.0825% | 3,769 |
| Credit loss provision to net charge-offs | 157.8947% | 1,497 |
| Earnings coverage of net charge-offs (x) | 24.1603% | 1,435 |
| Efficiency ratio | 73.1422% | 3,199 |
| Assets per employee ($millions) | 4.5611% | 2,785 |
| Cash dividends to net income (ytd only)* | 60.8613% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 5,819 |
| Loan loss allowance to noncurrent loans | 608.0000% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 5,535 |
| Noncurrent loans to loans | 0.1605% | 5,834 |
| Net loans and leases to total assets | 48.3040% | 5,317 |
| Net loans and leases to deposits | 54.7917% | 5,472 |
| Net loans and leases to core deposits | 56.9432% | 5,533 |
| Total domestic deposits to total assets | 88.1593% | 2,027 |
| Equity capital to assets | 10.5127% | 3,261 |
| Core capital (leverage) ratio | 11.3039% | 2,196 |
| Tier 1 risk-based capital ratio | 19.0949% | 1,960 |
| Total risk-based capital ratio | 19.8842% | 2,074 |
| Memoranda: | ||
| Average total assets | $68,181,500 | 5,591 |
| Average earning assets | $64,114,750 | 5,522 |
| Average equity | $7,280,250 | 5,563 |
| Average total loans | $30,697,000 | 5,776 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 5,649 |
| Cost of funding earning assets | 0.3545% | 5,357 |
| Net interest margin | 3.1688% | 5,052 |
| Noninterest income to average assets | 0.3361% | 4,996 |
| Noninterest expense to average assets | 2.4733% | 4,820 |
| Loan and lease loss provision to assets | 0.0862% | 3,358 |
| Net operating income to assets | 0.7395% | 3,618 |
| Return on assets (ROA) | 1.0801% | 2,112 |
| Pretax return on assets | 1.1031% | 3,085 |
| Return on Equity (ROE) | 10.0678% | 2,171 |
| Retained earnings to average equity (ytd only) | 4.0432% | 3,728 |
| Net charge-offs to loans | 0.1309% | 3,065 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 14.6500% | 1,814 |
| Efficiency ratio | 74.6101% | 3,010 |
| Assets per employee ($millions) | 4.6146% | 2,629 |
| Cash dividends to net income (ytd only)* | 59.8404% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 5,950 |
| Loan loss allowance to noncurrent loans | 277.9817% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 5,132 |
| Noncurrent loans to loans | 0.3467% | 5,424 |
| Net loans and leases to total assets | 48.1905% | 5,312 |
| Net loans and leases to deposits | 55.5629% | 5,382 |
| Net loans and leases to core deposits | 57.3584% | 5,482 |
| Total domestic deposits to total assets | 86.7315% | 2,983 |
| Equity capital to assets | 10.7548% | 2,994 |
| Core capital (leverage) ratio | 10.7408% | 2,626 |
| Tier 1 risk-based capital ratio | 18.7699% | 2,055 |
| Total risk-based capital ratio | 19.5493% | 2,179 |
| Memoranda: | ||
| Average total assets | $69,623,330 | 5,583 |
| Average earning assets | $65,451,670 | 5,514 |
| Average equity | $7,469,330 | 5,571 |
| Average total loans | $30,546,330 | 5,818 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3883% | 5,967 |
| Cost of funding earning assets | 0.3448% | 5,592 |
| Net interest margin | 3.0435% | 5,456 |
| Noninterest income to average assets | 0.3549% | 4,836 |
| Noninterest expense to average assets | 2.2569% | 5,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9372% | 2,482 |
| Return on assets (ROA) | 0.9372% | 2,627 |
| Pretax return on assets | 0.9372% | 3,626 |
| Return on Equity (ROE) | 8.7451% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.7451% | 1,469 |
| Net charge-offs to loans | -0.0133% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6597% | 3,857 |
| Assets per employee ($millions) | 4.7150% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 5,889 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 5,007 |
| Noncurrent loans to loans | 0.6849% | 4,758 |
| Net loans and leases to total assets | 40.0452% | 5,986 |
| Net loans and leases to deposits | 45.0356% | 6,118 |
| Net loans and leases to core deposits | 45.8767% | 6,215 |
| Total domestic deposits to total assets | 88.9191% | 1,727 |
| Equity capital to assets | 10.9593% | 3,000 |
| Core capital (leverage) ratio | 10.0456% | 3,318 |
| Tier 1 risk-based capital ratio | 19.4478% | 1,921 |
| Total risk-based capital ratio | 20.2298% | 2,023 |
| Memoranda: | ||
| Average total assets | $72,133,000 | 5,558 |
| Average earning assets | $67,291,000 | 5,512 |
| Average equity | $7,730,000 | 5,575 |
| Average total loans | $30,101,500 | 5,888 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 5,690 |
| Cost of funding earning assets | 0.3890% | 5,984 |
| Net interest margin | 3.4696% | 4,630 |
| Noninterest income to average assets | 0.3912% | 4,678 |
| Noninterest expense to average assets | 2.8675% | 3,776 |
| Loan and lease loss provision to assets | 0.1164% | 4,173 |
| Net operating income to assets | 0.6039% | 4,221 |
| Return on assets (ROA) | 0.6039% | 4,483 |
| Pretax return on assets | 0.6334% | 4,875 |
| Return on Equity (ROE) | 5.0526% | 4,655 |
| Retained earnings to average equity (ytd only) | 1.8054% | 4,949 |
| Net charge-offs to loans | 0.0201% | 5,623 |
| Credit loss provision to net charge-offs | 1,250.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 472 |
| Efficiency ratio | 79.2704% | 2,249 |
| Assets per employee ($millions) | 4.9027% | 2,353 |
| Cash dividends to net income (ytd only)* | 64.2674% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 6,203 |
| Loan loss allowance to noncurrent loans | 336.7816% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 5,528 |
| Noncurrent loans to loans | 0.2754% | 5,791 |
| Net loans and leases to total assets | 42.5531% | 5,945 |
| Net loans and leases to deposits | 47.6251% | 6,130 |
| Net loans and leases to core deposits | 49.0279% | 6,206 |
| Total domestic deposits to total assets | 89.3502% | 1,335 |
| Equity capital to assets | 10.4826% | 3,547 |
| Core capital (leverage) ratio | 10.4010% | 2,882 |
| Tier 1 risk-based capital ratio | 17.5773% | 2,428 |
| Total risk-based capital ratio | 18.2981% | 2,596 |
| Memoranda: | ||
| Average total assets | $64,412,000 | 5,800 |
| Average earning assets | $59,892,000 | 5,748 |
| Average equity | $7,699,000 | 5,583 |
| Average total loans | $29,798,600 | 5,957 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 5,534 |
| Cost of funding earning assets | 0.4080% | 6,073 |
| Net interest margin | 3.5866% | 4,289 |
| Noninterest income to average assets | 0.3691% | 4,882 |
| Noninterest expense to average assets | 2.7748% | 4,074 |
| Loan and lease loss provision to assets | 0.1610% | 3,498 |
| Net operating income to assets | 0.7382% | 3,742 |
| Return on assets (ROA) | 0.7382% | 3,995 |
| Pretax return on assets | 0.7726% | 4,589 |
| Return on Equity (ROE) | 5.9593% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.3607% | 4,503 |
| Net charge-offs to loans | 0.0500% | 4,955 |
| Credit loss provision to net charge-offs | 681.8182% | 394 |
| Earnings coverage of net charge-offs (x) | 39.5358% | 886 |
| Efficiency ratio | 74.8264% | 2,853 |
| Assets per employee ($millions) | 4.3070% | 3,256 |
| Cash dividends to net income (ytd only)* | 43.6053% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 6,132 |
| Loan loss allowance to noncurrent loans | 327.2727% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 5,567 |
| Noncurrent loans to loans | 0.3018% | 5,888 |
| Net loans and leases to total assets | 44.6931% | 5,906 |
| Net loans and leases to deposits | 50.9673% | 6,042 |
| Net loans and leases to core deposits | 53.3016% | 6,095 |
| Total domestic deposits to total assets | 87.6898% | 2,232 |
| Equity capital to assets | 12.1260% | 2,165 |
| Core capital (leverage) ratio | 11.1763% | 2,228 |
| Tier 1 risk-based capital ratio | 19.5727% | 1,860 |
| Total risk-based capital ratio | 20.3555% | 1,950 |
| Memoranda: | ||
| Average total assets | $62,129,750 | 5,939 |
| Average earning assets | $57,843,250 | 5,884 |
| Average equity | $7,696,500 | 5,645 |
| Average total loans | $29,351,500 | 6,054 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 5,579 |
| Cost of funding earning assets | 0.4177% | 6,175 |
| Net interest margin | 3.6052% | 4,240 |
| Noninterest income to average assets | 0.3426% | 5,096 |
| Noninterest expense to average assets | 2.8448% | 3,850 |
| Loan and lease loss provision to assets | 0.2447% | 2,614 |
| Net operating income to assets | 0.5774% | 4,458 |
| Return on assets (ROA) | 0.5774% | 4,731 |
| Pretax return on assets | 0.6035% | 5,120 |
| Return on Equity (ROE) | 4.6270% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.3200% | 4,392 |
| Net charge-offs to loans | -0.0068% | 6,220 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0318% | 2,584 |
| Assets per employee ($millions) | 4.1396% | 3,588 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,163 |
| Loan loss allowance to noncurrent loans | 447.7612% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 5,723 |
| Noncurrent loans to loans | 0.2232% | 6,135 |
| Net loans and leases to total assets | 47.8629% | 5,627 |
| Net loans and leases to deposits | 54.8329% | 5,785 |
| Net loans and leases to core deposits | 56.8564% | 5,875 |
| Total domestic deposits to total assets | 87.2886% | 2,603 |
| Equity capital to assets | 12.5149% | 1,807 |
| Core capital (leverage) ratio | 11.3440% | 2,013 |
| Tier 1 risk-based capital ratio | 19.4885% | 1,855 |
| Total risk-based capital ratio | 20.3082% | 1,933 |
| Memoranda: | ||
| Average total assets | $61,304,670 | 5,997 |
| Average earning assets | $56,973,670 | 5,945 |
| Average equity | $7,650,670 | 5,672 |
| Average total loans | $29,414,670 | 6,094 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 5,808 |
| Cost of funding earning assets | 0.4367% | 6,225 |
| Net interest margin | 3.5496% | 4,488 |
| Noninterest income to average assets | 0.3612% | 4,992 |
| Noninterest expense to average assets | 2.8107% | 3,991 |
| Loan and lease loss provision to assets | 0.2955% | 2,114 |
| Net operating income to assets | 0.5451% | 4,623 |
| Return on assets (ROA) | 0.5451% | 4,836 |
| Pretax return on assets | 0.5648% | 5,224 |
| Return on Equity (ROE) | 4.3739% | 5,107 |
| Retained earnings to average equity (ytd only) | 4.3739% | 3,971 |
| Net charge-offs to loans | -0.0275% | 6,306 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5653% | 2,704 |
| Assets per employee ($millions) | 4.1337% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,360 |
| Loan loss allowance to noncurrent loans | 467.2414% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 5,760 |
| Noncurrent loans to loans | 0.2075% | 6,270 |
| Net loans and leases to total assets | 44.6335% | 5,941 |
| Net loans and leases to deposits | 50.9415% | 6,078 |
| Net loans and leases to core deposits | 52.8361% | 6,136 |
| Total domestic deposits to total assets | 87.6171% | 2,579 |
| Equity capital to assets | 12.2039% | 1,913 |
| Core capital (leverage) ratio | 11.4906% | 1,901 |
| Tier 1 risk-based capital ratio | 20.6004% | 1,563 |
| Total risk-based capital ratio | 21.3879% | 1,649 |
| Memoranda: | ||
| Average total assets | $60,910,000 | 6,038 |
| Average earning assets | $56,795,500 | 5,982 |
| Average equity | $7,590,500 | 5,712 |
| Average total loans | $29,112,000 | 6,158 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 5,751 |
| Cost of funding earning assets | 0.6496% | 5,829 |
| Net interest margin | 3.6551% | 4,493 |
| Noninterest income to average assets | 0.4612% | 4,130 |
| Noninterest expense to average assets | 3.0626% | 3,347 |
| Loan and lease loss provision to assets | 0.1895% | 4,288 |
| Net operating income to assets | 0.6049% | 3,978 |
| Return on assets (ROA) | 0.8017% | 3,197 |
| Pretax return on assets | 0.8285% | 3,874 |
| Return on Equity (ROE) | 6.3638% | 3,710 |
| Retained earnings to average equity (ytd only) | 2.7026% | 4,310 |
| Net charge-offs to loans | 1.1880% | 1,419 |
| Credit loss provision to net charge-offs | 33.4320% | 5,736 |
| Earnings coverage of net charge-offs (x) | 1.4379% | 4,691 |
| Efficiency ratio | 78.9792% | 2,453 |
| Assets per employee ($millions) | 3.7384% | 4,466 |
| Cash dividends to net income (ytd only)* | 57.5314% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7398% | 6,851 |
| Loan loss allowance to noncurrent loans | 302.7027% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 5,759 |
| Noncurrent loans to loans | 0.2444% | 6,246 |
| Net loans and leases to total assets | 50.2449% | 5,550 |
| Net loans and leases to deposits | 57.7096% | 5,723 |
| Net loans and leases to core deposits | 58.3743% | 5,979 |
| Total domestic deposits to total assets | 87.0651% | 2,727 |
| Equity capital to assets | 12.7292% | 1,636 |
| Core capital (leverage) ratio | 11.8982% | 1,659 |
| Tier 1 risk-based capital ratio | 19.5447% | 1,743 |
| Total risk-based capital ratio | 20.1696% | 1,884 |
| Memoranda: | ||
| Average total assets | $59,622,400 | 6,054 |
| Average earning assets | $55,729,600 | 5,995 |
| Average equity | $7,511,200 | 5,716 |
| Average total loans | $28,451,000 | 6,223 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 5,846 |
| Cost of funding earning assets | 0.7078% | 5,708 |
| Net interest margin | 3.6226% | 4,687 |
| Noninterest income to average assets | 0.4812% | 4,033 |
| Noninterest expense to average assets | 2.8557% | 4,124 |
| Loan and lease loss provision to assets | 0.1858% | 4,174 |
| Net operating income to assets | 0.8026% | 3,145 |
| Return on assets (ROA) | 1.0653% | 2,229 |
| Pretax return on assets | 1.1011% | 3,004 |
| Return on Equity (ROE) | 8.4784% | 2,830 |
| Retained earnings to average equity (ytd only) | 4.9160% | 3,230 |
| Net charge-offs to loans | 0.4953% | 2,770 |
| Credit loss provision to net charge-offs | 79.8077% | 4,148 |
| Earnings coverage of net charge-offs (x) | 4.3655% | 3,091 |
| Efficiency ratio | 73.7572% | 3,229 |
| Assets per employee ($millions) | 3.5167% | 4,949 |
| Cash dividends to net income (ytd only)* | 42.0169% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 4,174 |
| Loan loss allowance to noncurrent loans | 128.1437% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 4,792 |
| Noncurrent loans to loans | 1.1596% | 4,602 |
| Net loans and leases to total assets | 50.4310% | 5,650 |
| Net loans and leases to deposits | 58.7252% | 5,777 |
| Net loans and leases to core deposits | 61.2225% | 5,886 |
| Total domestic deposits to total assets | 85.8763% | 3,284 |
| Equity capital to assets | 13.8838% | 1,205 |
| Core capital (leverage) ratio | 12.0957% | 1,655 |
| Tier 1 risk-based capital ratio | 20.8445% | 1,490 |
| Total risk-based capital ratio | 22.0959% | 1,463 |
| Memoranda: | ||
| Average total assets | $59,574,250 | 6,104 |
| Average earning assets | $55,759,250 | 6,041 |
| Average equity | $7,485,500 | 5,751 |
| Average total loans | $27,994,250 | 6,302 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 6,294 |
| Cost of funding earning assets | 0.7403% | 5,735 |
| Net interest margin | 3.4513% | 5,362 |
| Noninterest income to average assets | 0.4615% | 4,179 |
| Noninterest expense to average assets | 2.8281% | 4,320 |
| Loan and lease loss provision to assets | 0.1747% | 4,176 |
| Net operating income to assets | 0.6559% | 3,770 |
| Return on assets (ROA) | 0.6559% | 3,893 |
| Pretax return on assets | 0.6856% | 4,434 |
| Return on Equity (ROE) | 5.3954% | 4,255 |
| Retained earnings to average equity (ytd only) | 2.6841% | 4,585 |
| Net charge-offs to loans | 0.5266% | 2,516 |
| Credit loss provision to net charge-offs | 72.6027% | 4,000 |
| Earnings coverage of net charge-offs (x) | 3.5753% | 3,127 |
| Efficiency ratio | 76.6756% | 2,905 |
| Assets per employee ($millions) | 3.6900% | 4,474 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 4,236 |
| Loan loss allowance to noncurrent loans | 98.8479% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.2568% | 4,382 |
| Noncurrent loans to loans | 1.4927% | 4,182 |
| Net loans and leases to total assets | 48.5180% | 5,991 |
| Net loans and leases to deposits | 57.4290% | 6,007 |
| Net loans and leases to core deposits | 59.7854% | 6,107 |
| Total domestic deposits to total assets | 84.4834% | 4,129 |
| Equity capital to assets | 12.8015% | 1,623 |
| Core capital (leverage) ratio | 11.6507% | 1,810 |
| Tier 1 risk-based capital ratio | 19.8853% | 1,633 |
| Total risk-based capital ratio | 21.1213% | 1,607 |
| Memoranda: | ||
| Average total assets | $60,676,670 | 6,116 |
| Average earning assets | $56,732,670 | 6,064 |
| Average equity | $7,376,670 | 5,809 |
| Average total loans | $27,724,330 | 6,379 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 6,494 |
| Cost of funding earning assets | 0.7701% | 5,752 |
| Net interest margin | 3.3323% | 5,667 |
| Noninterest income to average assets | 0.5139% | 3,775 |
| Noninterest expense to average assets | 2.5173% | 5,497 |
| Loan and lease loss provision to assets | 0.0325% | 5,564 |
| Net operating income to assets | 1.0147% | 2,138 |
| Return on assets (ROA) | 1.0147% | 2,186 |
| Pretax return on assets | 1.0602% | 2,899 |
| Return on Equity (ROE) | 8.5644% | 2,669 |
| Retained earnings to average equity (ytd only) | 5.8194% | 2,744 |
| Net charge-offs to loans | 0.5767% | 2,045 |
| Credit loss provision to net charge-offs | 12.8205% | 4,361 |
| Earnings coverage of net charge-offs (x) | 4.3077% | 2,516 |
| Efficiency ratio | 69.7297% | 4,330 |
| Assets per employee ($millions) | 3.7389% | 4,451 |
| Cash dividends to net income (ytd only)* | 32.0513% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 3,761 |
| Loan loss allowance to noncurrent loans | 76.7098% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 4,151 |
| Noncurrent loans to loans | 2.0764% | 3,478 |
| Net loans and leases to total assets | 42.8598% | 6,554 |
| Net loans and leases to deposits | 48.9715% | 6,691 |
| Net loans and leases to core deposits | 49.9134% | 6,777 |
| Total domestic deposits to total assets | 87.5199% | 2,653 |
| Equity capital to assets | 12.2545% | 1,757 |
| Core capital (leverage) ratio | 10.8346% | 2,327 |
| Tier 1 risk-based capital ratio | 21.3153% | 1,341 |
| Total risk-based capital ratio | 22.5646% | 1,316 |
| Memoranda: | ||
| Average total assets | $61,495,000 | 6,140 |
| Average earning assets | $57,137,000 | 6,097 |
| Average equity | $7,286,000 | 5,848 |
| Average total loans | $27,049,500 | 6,468 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 6,414 |
| Cost of funding earning assets | 1.0290% | 5,539 |
| Net interest margin | 3.4643% | 5,385 |
| Noninterest income to average assets | 0.5212% | 4,016 |
| Noninterest expense to average assets | 3.1238% | 3,370 |
| Loan and lease loss provision to assets | 0.4931% | 3,193 |
| Net operating income to assets | 0.1123% | 5,557 |
| Return on assets (ROA) | 0.1123% | 5,702 |
| Pretax return on assets | 0.0948% | 5,711 |
| Return on Equity (ROE) | 0.8635% | 5,734 |
| Retained earnings to average equity (ytd only) | 0.1889% | 5,477 |
| Net charge-offs to loans | 0.1761% | 5,266 |
| Credit loss provision to net charge-offs | 624.4444% | 344 |
| Earnings coverage of net charge-offs (x) | 7.4444% | 2,128 |
| Efficiency ratio | 84.1608% | 1,899 |
| Assets per employee ($millions) | 3.9479% | 3,892 |
| Cash dividends to net income (ytd only)* | 78.1250% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 3,563 |
| Loan loss allowance to noncurrent loans | 75.7167% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.4264% | 4,205 |
| Noncurrent loans to loans | 2.1145% | 3,416 |
| Net loans and leases to total assets | 43.6858% | 6,740 |
| Net loans and leases to deposits | 49.4676% | 6,881 |
| Net loans and leases to core deposits | 50.3568% | 6,965 |
| Total domestic deposits to total assets | 88.3119% | 2,053 |
| Equity capital to assets | 11.4633% | 2,291 |
| Core capital (leverage) ratio | 11.1959% | 2,019 |
| Tier 1 risk-based capital ratio | 19.3230% | 1,633 |
| Total risk-based capital ratio | 20.5555% | 1,607 |
| Memoranda: | ||
| Average total assets | $56,981,400 | 6,308 |
| Average earning assets | $52,478,200 | 6,268 |
| Average equity | $7,411,400 | 5,906 |
| Average total loans | $25,558,200 | 6,634 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6342% | 6,244 |
| Cost of funding earning assets | 1.0648% | 5,620 |
| Net interest margin | 3.5694% | 5,023 |
| Noninterest income to average assets | 0.5171% | 4,048 |
| Noninterest expense to average assets | 2.9872% | 3,797 |
| Loan and lease loss provision to assets | 0.0746% | 6,309 |
| Net operating income to assets | 0.7576% | 3,189 |
| Return on assets (ROA) | 0.7576% | 3,344 |
| Pretax return on assets | 0.7288% | 4,148 |
| Return on Equity (ROE) | 5.6344% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.7400% | 3,169 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8071% | 2,515 |
| Assets per employee ($millions) | 3.5641% | 4,816 |
| Cash dividends to net income (ytd only)* | 15.8742% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,541 |
| Loan loss allowance to noncurrent loans | 82.1549% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 5,304 |
| Noncurrent loans to loans | 1.1677% | 4,915 |
| Net loans and leases to total assets | 44.1754% | 6,828 |
| Net loans and leases to deposits | 51.3222% | 6,922 |
| Net loans and leases to core deposits | 52.6579% | 7,022 |
| Total domestic deposits to total assets | 86.0745% | 3,033 |
| Equity capital to assets | 13.6589% | 1,291 |
| Core capital (leverage) ratio | 12.2606% | 1,530 |
| Tier 1 risk-based capital ratio | 22.3055% | 1,165 |
| Total risk-based capital ratio | 23.0769% | 1,208 |
| Memoranda: | ||
| Average total assets | $55,435,000 | 6,432 |
| Average earning assets | $50,838,500 | 6,409 |
| Average equity | $7,454,000 | 5,965 |
| Average total loans | $24,936,750 | 6,760 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 6,492 |
| Cost of funding earning assets | 1.1487% | 5,413 |
| Net interest margin | 3.4381% | 5,486 |
| Noninterest income to average assets | 0.5136% | 4,003 |
| Noninterest expense to average assets | 3.0380% | 3,560 |
| Loan and lease loss provision to assets | 0.0109% | 6,796 |
| Net operating income to assets | 0.6448% | 3,647 |
| Return on assets (ROA) | 0.6448% | 3,802 |
| Pretax return on assets | 0.6265% | 4,482 |
| Return on Equity (ROE) | 4.8214% | 4,371 |
| Retained earnings to average equity (ytd only) | 3.4594% | 3,903 |
| Net charge-offs to loans | 0.0323% | 5,896 |
| Credit loss provision to net charge-offs | 75.0000% | 4,838 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 673 |
| Efficiency ratio | 82.6561% | 2,083 |
| Assets per employee ($millions) | 3.5289% | 4,846 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 6,969 |
| Loan loss allowance to noncurrent loans | 64.8318% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 5,210 |
| Noncurrent loans to loans | 1.2775% | 4,828 |
| Net loans and leases to total assets | 44.9594% | 6,856 |
| Net loans and leases to deposits | 51.9844% | 6,976 |
| Net loans and leases to core deposits | 53.3388% | 7,066 |
| Total domestic deposits to total assets | 86.4865% | 2,828 |
| Equity capital to assets | 13.2018% | 1,476 |
| Core capital (leverage) ratio | 11.9999% | 1,641 |
| Tier 1 risk-based capital ratio | 22.3021% | 1,160 |
| Total risk-based capital ratio | 22.9857% | 1,215 |
| Memoranda: | ||
| Average total assets | $54,905,000 | 6,495 |
| Average earning assets | $50,492,330 | 6,463 |
| Average equity | $7,342,330 | 6,017 |
| Average total loans | $24,770,670 | 6,821 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 6,617 |
| Cost of funding earning assets | 1.1547% | 5,641 |
| Net interest margin | 3.4236% | 5,485 |
| Noninterest income to average assets | 0.5025% | 4,031 |
| Noninterest expense to average assets | 3.0521% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6503% | 3,661 |
| Return on assets (ROA) | 0.6503% | 3,783 |
| Pretax return on assets | 0.5838% | 4,676 |
| Return on Equity (ROE) | 4.8309% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.8309% | 3,251 |
| Net charge-offs to loans | 0.0328% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 697 |
| Efficiency ratio | 83.9431% | 2,024 |
| Assets per employee ($millions) | 3.4818% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 6,891 |
| Loan loss allowance to noncurrent loans | 54.5220% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0824% | 4,980 |
| Noncurrent loans to loans | 1.6208% | 4,317 |
| Net loans and leases to total assets | 42.4815% | 7,094 |
| Net loans and leases to deposits | 49.0132% | 7,182 |
| Net loans and leases to core deposits | 50.9198% | 7,248 |
| Total domestic deposits to total assets | 86.6736% | 2,799 |
| Equity capital to assets | 13.0589% | 1,502 |
| Core capital (leverage) ratio | 12.3950% | 1,454 |
| Tier 1 risk-based capital ratio | 23.1676% | 1,046 |
| Total risk-based capital ratio | 23.8783% | 1,103 |
| Memoranda: | ||
| Average total assets | $54,126,500 | 6,602 |
| Average earning assets | $49,538,000 | 6,569 |
| Average equity | $7,286,500 | 6,087 |
| Average total loans | $24,357,500 | 6,917 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 5,693 |
| Cost of funding earning assets | 1.2606% | 6,439 |
| Net interest margin | 3.9293% | 3,159 |
| Noninterest income to average assets | 0.5305% | 4,175 |
| Noninterest expense to average assets | 3.3778% | 2,750 |
| Loan and lease loss provision to assets | 0.0419% | 7,132 |
| Net operating income to assets | 0.7179% | 2,863 |
| Return on assets (ROA) | 0.8387% | 2,473 |
| Pretax return on assets | 0.8701% | 3,017 |
| Return on Equity (ROE) | 5.4161% | 3,465 |
| Retained earnings to average equity (ytd only) | 1.3540% | 4,105 |
| Net charge-offs to loans | 0.2748% | 4,906 |
| Credit loss provision to net charge-offs | 31.2500% | 6,891 |
| Earnings coverage of net charge-offs (x) | 5.8594% | 2,485 |
| Efficiency ratio | 81.1178% | 2,729 |
| Assets per employee ($millions) | 3.2840% | 5,527 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 6,960 |
| Loan loss allowance to noncurrent loans | 60.8571% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0772% | 4,940 |
| Noncurrent loans to loans | 1.4091% | 4,571 |
| Net loans and leases to total assets | 46.8655% | 6,905 |
| Net loans and leases to deposits | 54.6360% | 7,011 |
| Net loans and leases to core deposits | 61.3768% | 7,215 |
| Total domestic deposits to total assets | 85.7776% | 3,119 |
| Equity capital to assets | 13.8893% | 1,201 |
| Core capital (leverage) ratio | 13.7383% | 1,033 |
| Tier 1 risk-based capital ratio | 22.5574% | 1,084 |
| Total risk-based capital ratio | 23.2650% | 1,126 |
| Memoranda: | ||
| Average total assets | $47,694,000 | 6,804 |
| Average earning assets | $44,105,000 | 6,762 |
| Average equity | $7,385,400 | 6,135 |
| Average total loans | $23,291,000 | 7,009 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3041% | 5,399 |
| Cost of funding earning assets | 1.2928% | 6,580 |
| Net interest margin | 4.0112% | 2,760 |
| Noninterest income to average assets | 0.5335% | 4,208 |
| Noninterest expense to average assets | 2.8914% | 4,491 |
| Loan and lease loss provision to assets | 0.0574% | 6,787 |
| Net operating income to assets | 1.2661% | 1,298 |
| Return on assets (ROA) | 1.4314% | 1,024 |
| Pretax return on assets | 1.4859% | 1,460 |
| Return on Equity (ROE) | 8.9820% | 2,265 |
| Retained earnings to average equity (ytd only) | 5.3820% | 2,265 |
| Net charge-offs to loans | 0.3726% | 3,786 |
| Credit loss provision to net charge-offs | 31.2500% | 6,498 |
| Earnings coverage of net charge-offs (x) | 7.4689% | 2,398 |
| Efficiency ratio | 67.8331% | 5,012 |
| Assets per employee ($millions) | 3.5647% | 4,776 |
| Cash dividends to net income (ytd only)* | 40.0800% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 6,847 |
| Loan loss allowance to noncurrent loans | 50.1176% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 1.3832% | 4,329 |
| Noncurrent loans to loans | 1.7547% | 3,982 |
| Net loans and leases to total assets | 51.8073% | 6,620 |
| Net loans and leases to deposits | 63.8392% | 6,502 |
| Net loans and leases to core deposits | 70.7262% | 6,924 |
| Total domestic deposits to total assets | 81.1528% | 5,014 |
| Equity capital to assets | 16.1973% | 764 |
| Core capital (leverage) ratio | 15.0821% | 839 |
| Tier 1 risk-based capital ratio | 25.0331% | 898 |
| Total risk-based capital ratio | 25.7962% | 923 |
| Memoranda: | ||
| Average total assets | $46,481,500 | 6,899 |
| Average earning assets | $43,211,000 | 6,858 |
| Average equity | $7,407,250 | 6,184 |
| Average total loans | $22,904,250 | 7,098 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 5,794 |
| Cost of funding earning assets | 1.3082% | 6,777 |
| Net interest margin | 3.9617% | 2,856 |
| Noninterest income to average assets | 0.5158% | 4,304 |
| Noninterest expense to average assets | 2.8413% | 4,773 |
| Loan and lease loss provision to assets | 0.0860% | 6,313 |
| Net operating income to assets | 1.2036% | 1,461 |
| Return on assets (ROA) | 1.2036% | 1,549 |
| Pretax return on assets | 1.2723% | 2,103 |
| Return on Equity (ROE) | 7.5939% | 2,923 |
| Retained earnings to average equity (ytd only) | 4.8818% | 2,574 |
| Net charge-offs to loans | 0.5965% | 2,549 |
| Credit loss provision to net charge-offs | 29.8507% | 6,034 |
| Earnings coverage of net charge-offs (x) | 4.7164% | 3,028 |
| Efficiency ratio | 67.6561% | 5,223 |
| Assets per employee ($millions) | 3.6332% | 4,490 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 6,647 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 5,360 |
| Noncurrent loans to loans | 0.7441% | 5,753 |
| Net loans and leases to total assets | 47.3598% | 7,088 |
| Net loans and leases to deposits | 56.3408% | 7,141 |
| Net loans and leases to core deposits | 62.7884% | 7,349 |
| Total domestic deposits to total assets | 84.0595% | 3,732 |
| Equity capital to assets | 15.5551% | 915 |
| Core capital (leverage) ratio | 14.4913% | 1,025 |
| Tier 1 risk-based capital ratio | 25.6920% | 881 |
| Total risk-based capital ratio | 26.4774% | 902 |
| Memoranda: | ||
| Average total assets | $46,528,330 | 6,960 |
| Average earning assets | $43,264,330 | 6,913 |
| Average equity | $7,374,330 | 6,237 |
| Average total loans | $22,465,330 | 7,186 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3448% | 5,683 |
| Cost of funding earning assets | 1.3152% | 6,976 |
| Net interest margin | 4.0296% | 2,535 |
| Noninterest income to average assets | 0.5111% | 4,218 |
| Noninterest expense to average assets | 2.5294% | 5,731 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6459% | 725 |
| Return on assets (ROA) | 1.6459% | 796 |
| Pretax return on assets | 1.7238% | 1,132 |
| Return on Equity (ROE) | 10.2870% | 2,203 |
| Retained earnings to average equity (ytd only) | 10.2870% | 1,123 |
| Net charge-offs to loans | 0.8925% | 1,469 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.9800% | 3,010 |
| Efficiency ratio | 59.4705% | 6,487 |
| Assets per employee ($millions) | 4.2096% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 6,598 |
| Loan loss allowance to noncurrent loans | 33.5494% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3324% | 3,996 |
| Noncurrent loans to loans | 2.7788% | 2,363 |
| Net loans and leases to total assets | 47.5036% | 7,064 |
| Net loans and leases to deposits | 56.7767% | 7,112 |
| Net loans and leases to core deposits | 61.8397% | 7,398 |
| Total domestic deposits to total assets | 83.6673% | 3,857 |
| Equity capital to assets | 16.0130% | 870 |
| Core capital (leverage) ratio | 14.3717% | 1,116 |
| Tier 1 risk-based capital ratio | 26.5322% | 845 |
| Total risk-based capital ratio | 27.3306% | 870 |
| Memoranda: | ||
| Average total assets | $46,176,500 | 7,021 |
| Average earning assets | $42,883,000 | 6,981 |
| Average equity | $7,388,000 | 6,262 |
| Average total loans | $22,408,500 | 7,225 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7982% | 6,441 |
| Cost of funding earning assets | 1.6210% | 7,403 |
| Net interest margin | 4.1772% | 2,400 |
| Noninterest income to average assets | 0.5986% | 3,850 |
| Noninterest expense to average assets | 3.1829% | 3,399 |
| Loan and lease loss provision to assets | 0.1995% | 4,898 |
| Net operating income to assets | 1.0613% | 2,305 |
| Return on assets (ROA) | 1.1267% | 1,961 |
| Pretax return on assets | 1.1736% | 2,749 |
| Return on Equity (ROE) | 6.6438% | 3,689 |
| Retained earnings to average equity (ytd only) | -1.6609% | 5,781 |
| Net charge-offs to loans | 0.1745% | 4,453 |
| Credit loss provision to net charge-offs | 229.7297% | 2,069 |
| Earnings coverage of net charge-offs (x) | 15.0270% | 1,973 |
| Efficiency ratio | 70.9205% | 4,153 |
| Assets per employee ($millions) | 4.1861% | 3,146 |
| Cash dividends to net income (ytd only)* | 125.0000% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,013 |
| Loan loss allowance to noncurrent loans | 6,425.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 7,602 |
| Noncurrent loans to loans | 0.0177% | 7,458 |
| Net loans and leases to total assets | 48.5504% | 7,144 |
| Net loans and leases to deposits | 58.0675% | 7,199 |
| Net loans and leases to core deposits | 61.7689% | 7,516 |
| Total domestic deposits to total assets | 83.6102% | 3,528 |
| Equity capital to assets | 15.9858% | 938 |
| Core capital (leverage) ratio | 15.2324% | 972 |
| Tier 1 risk-based capital ratio | 25.3881% | 956 |
| Total risk-based capital ratio | 26.3635% | 958 |
| Memoranda: | ||
| Average total assets | $42,602,600 | 7,095 |
| Average earning assets | $39,667,600 | 7,055 |
| Average equity | $7,224,800 | 6,372 |
| Average total loans | $21,204,400 | 7,248 |