Home > Investors Community Bank > Performance and Condition Ratios
Investors Community 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 | 5.0079% | 3,108 |
| Cost of funding earning assets | 2.0982% | 1,666 |
| Net interest margin | 2.9097% | 3,540 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 2.0073% | 3,538 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.6958% | 3,128 |
| Return on assets (ROA) | 0.6958% | 3,140 |
| Pretax return on assets | 0.7801% | 3,233 |
| Return on Equity (ROE) | 7.1000% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.4220% | 2,459 |
| Net charge-offs to loans | 0.0530% | 1,131 |
| Credit loss provision to net charge-offs | 83.3333% | 1,386 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,200 |
| Efficiency ratio | 71.2575% | 1,687 |
| Assets per employee ($millions) | 5.8542% | 3,049 |
| Cash dividends to net income (ytd only)* | 23.6364% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 1,658 |
| Loan loss allowance to noncurrent loans | 294.5813% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 2,432 |
| Noncurrent loans to loans | 0.4448% | 2,010 |
| Net loans and leases to total assets | 48.0900% | 3,660 |
| Net loans and leases to deposits | 53.5960% | 3,742 |
| Net loans and leases to core deposits | 59.1283% | 3,722 |
| Total domestic deposits to total assets | 89.7200% | 912 |
| Equity capital to assets | 10.0793% | 2,172 |
| Core capital (leverage) ratio | 10.9401% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $94,855,500 | 3,816 |
| Average earning assets | $86,743,000 | 3,815 |
| Average equity | $9,295,500 | 3,852 |
| Average total loans | $45,244,000 | 3,880 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6814% | 3,628 |
| Cost of funding earning assets | 2.1225% | 1,933 |
| Net interest margin | 2.5590% | 3,833 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 1.7377% | 4,036 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 0.5299% | 3,401 |
| Return on assets (ROA) | 0.5065% | 3,474 |
| Pretax return on assets | 0.5725% | 3,521 |
| Return on Equity (ROE) | 5.1100% | 3,490 |
| Retained earnings to average equity (ytd only) | 0.9550% | 3,692 |
| Net charge-offs to loans | 0.0603% | 1,522 |
| Credit loss provision to net charge-offs | 612.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 28.9200% | 1,557 |
| Efficiency ratio | 69.3124% | 2,087 |
| Assets per employee ($millions) | 6.0028% | 2,880 |
| Cash dividends to net income (ytd only)* | 81.3025% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 1,527 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 2,289 |
| Noncurrent loans to loans | 0.5218% | 1,768 |
| Net loans and leases to total assets | 46.0700% | 3,812 |
| Net loans and leases to deposits | 53.0829% | 3,827 |
| Net loans and leases to core deposits | 60.8111% | 3,720 |
| Total domestic deposits to total assets | 86.8000% | 1,936 |
| Equity capital to assets | 9.5269% | 2,432 |
| Core capital (leverage) ratio | 11.2804% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $93,973,000 | 3,829 |
| Average earning assets | $86,362,200 | 3,813 |
| Average equity | $9,319,800 | 3,826 |
| Average total loans | $41,489,000 | 3,939 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 3,733 |
| Cost of funding earning assets | 2.1094% | 1,953 |
| Net interest margin | 2.4648% | 3,941 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 1.7363% | 4,029 |
| Loan and lease loss provision to assets | 0.1800% | 677 |
| Net operating income to assets | 0.4690% | 3,538 |
| Return on assets (ROA) | 0.4366% | 3,645 |
| Pretax return on assets | 0.4794% | 3,681 |
| Return on Equity (ROE) | 4.3600% | 3,661 |
| Retained earnings to average equity (ytd only) | 2.6346% | 3,288 |
| Net charge-offs to loans | 0.0131% | 2,168 |
| Credit loss provision to net charge-offs | 3,150.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 121.7500% | 703 |
| Efficiency ratio | 71.4202% | 1,859 |
| Assets per employee ($millions) | 5.8973% | 2,952 |
| Cash dividends to net income (ytd only)* | 39.5425% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 1,488 |
| Loan loss allowance to noncurrent loans | 1,162.7451% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,351 |
| Noncurrent loans to loans | 0.1168% | 3,100 |
| Net loans and leases to total assets | 45.6300% | 3,843 |
| Net loans and leases to deposits | 56.1857% | 3,739 |
| Net loans and leases to core deposits | 61.8512% | 3,721 |
| Total domestic deposits to total assets | 81.2100% | 3,261 |
| Equity capital to assets | 10.5589% | 1,953 |
| Core capital (leverage) ratio | 11.4573% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $93,455,250 | 3,848 |
| Average earning assets | $86,280,000 | 3,836 |
| Average equity | $9,362,250 | 3,838 |
| Average total loans | $40,649,000 | 3,968 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 3,871 |
| Cost of funding earning assets | 2.0692% | 1,952 |
| Net interest margin | 2.3652% | 4,029 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 1.7734% | 3,974 |
| Loan and lease loss provision to assets | 0.2100% | 514 |
| Net operating income to assets | 0.3392% | 3,767 |
| Return on assets (ROA) | 0.3392% | 3,811 |
| Pretax return on assets | 0.3607% | 3,862 |
| Return on Equity (ROE) | 3.4500% | 3,817 |
| Retained earnings to average equity (ytd only) | 1.7463% | 3,419 |
| Net charge-offs to loans | 0.0101% | 2,038 |
| Credit loss provision to net charge-offs | 4,900.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 649 |
| Efficiency ratio | 75.6410% | 1,494 |
| Assets per employee ($millions) | 5.9010% | 2,877 |
| Cash dividends to net income (ytd only)* | 49.3671% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,513 |
| Loan loss allowance to noncurrent loans | 859.0909% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,194 |
| Noncurrent loans to loans | 0.1581% | 2,870 |
| Net loans and leases to total assets | 43.6100% | 3,924 |
| Net loans and leases to deposits | 53.2064% | 3,839 |
| Net loans and leases to core deposits | 61.6705% | 3,710 |
| Total domestic deposits to total assets | 81.9700% | 3,088 |
| Equity capital to assets | 9.4253% | 2,439 |
| Core capital (leverage) ratio | 11.1974% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $93,155,000 | 3,864 |
| Average earning assets | $85,829,333 | 3,853 |
| Average equity | $9,162,000 | 3,842 |
| Average total loans | $39,649,667 | 3,995 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 4,137 |
| Cost of funding earning assets | 1.9266% | 2,187 |
| Net interest margin | 2.2158% | 4,167 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 1.7855% | 3,976 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 0.2637% | 3,884 |
| Return on assets (ROA) | 0.2637% | 3,920 |
| Pretax return on assets | 0.1643% | 4,082 |
| Return on Equity (ROE) | 2.6300% | 3,915 |
| Retained earnings to average equity (ytd only) | 0.8178% | 3,540 |
| Net charge-offs to loans | 0.0104% | 1,706 |
| Credit loss provision to net charge-offs | 6,700.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 656 |
| Efficiency ratio | 79.7297% | 1,230 |
| Assets per employee ($millions) | 5.9098% | 2,916 |
| Cash dividends to net income (ytd only)* | 68.8525% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 1,809 |
| Loan loss allowance to noncurrent loans | 631.7647% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 2,737 |
| Noncurrent loans to loans | 0.2038% | 2,609 |
| Net loans and leases to total assets | 43.5300% | 3,902 |
| Net loans and leases to deposits | 50.4758% | 3,902 |
| Net loans and leases to core deposits | 59.2364% | 3,798 |
| Total domestic deposits to total assets | 86.2400% | 2,019 |
| Equity capital to assets | 9.7053% | 2,191 |
| Core capital (leverage) ratio | 11.4709% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $92,524,500 | 3,886 |
| Average earning assets | $85,746,000 | 3,872 |
| Average equity | $9,293,500 | 3,841 |
| Average total loans | $38,602,000 | 4,018 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,264 |
| Cost of funding earning assets | 1.0392% | 3,213 |
| Net interest margin | 2.6748% | 3,856 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.7916% | 4,014 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.7750% | 2,962 |
| Return on assets (ROA) | 0.7750% | 2,936 |
| Pretax return on assets | 0.8183% | 3,168 |
| Return on Equity (ROE) | 8.3700% | 2,926 |
| Retained earnings to average equity (ytd only) | 4.6604% | 2,730 |
| Net charge-offs to loans | 0.0862% | 1,000 |
| Credit loss provision to net charge-offs | 389.6552% | 793 |
| Earnings coverage of net charge-offs (x) | 30.1379% | 1,634 |
| Efficiency ratio | 65.4135% | 2,427 |
| Assets per employee ($millions) | 5.6558% | 3,110 |
| Cash dividends to net income (ytd only)* | 44.3357% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 1,659 |
| Loan loss allowance to noncurrent loans | 611.6883% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 2,653 |
| Noncurrent loans to loans | 0.2169% | 2,446 |
| Net loans and leases to total assets | 38.7200% | 4,078 |
| Net loans and leases to deposits | 43.2878% | 4,117 |
| Net loans and leases to core deposits | 44.8006% | 4,185 |
| Total domestic deposits to total assets | 89.4400% | 933 |
| Equity capital to assets | 10.3987% | 1,784 |
| Core capital (leverage) ratio | 11.7986% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $92,263,000 | 3,894 |
| Average earning assets | $86,511,200 | 3,863 |
| Average equity | $8,540,000 | 3,873 |
| Average total loans | $33,629,800 | 4,088 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 4,301 |
| Cost of funding earning assets | 0.9158% | 3,233 |
| Net interest margin | 2.6891% | 3,897 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.7632% | 4,041 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.7853% | 3,071 |
| Return on assets (ROA) | 0.7853% | 3,063 |
| Pretax return on assets | 0.8342% | 3,255 |
| Return on Equity (ROE) | 8.7500% | 2,996 |
| Retained earnings to average equity (ytd only) | 6.7446% | 2,380 |
| Net charge-offs to loans | 0.1206% | 670 |
| Credit loss provision to net charge-offs | 380.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 23.1333% | 1,742 |
| Efficiency ratio | 63.8542% | 2,509 |
| Assets per employee ($millions) | 5.4921% | 3,181 |
| Cash dividends to net income (ytd only)* | 22.8938% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 1,794 |
| Loan loss allowance to noncurrent loans | 376.8000% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,323 |
| Noncurrent loans to loans | 0.3491% | 1,973 |
| Net loans and leases to total assets | 40.2100% | 4,049 |
| Net loans and leases to deposits | 46.7997% | 4,032 |
| Net loans and leases to core deposits | 49.9541% | 4,041 |
| Total domestic deposits to total assets | 85.9300% | 2,219 |
| Equity capital to assets | 8.6180% | 2,653 |
| Core capital (leverage) ratio | 11.6344% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $92,705,750 | 3,903 |
| Average earning assets | $86,917,500 | 3,872 |
| Average equity | $8,322,500 | 3,898 |
| Average total loans | $33,160,750 | 4,111 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4222% | 4,407 |
| Cost of funding earning assets | 0.8144% | 3,166 |
| Net interest margin | 2.6078% | 4,103 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.7282% | 4,110 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.7125% | 3,319 |
| Return on assets (ROA) | 0.7125% | 3,317 |
| Pretax return on assets | 0.7464% | 3,508 |
| Return on Equity (ROE) | 7.8400% | 3,279 |
| Retained earnings to average equity (ytd only) | 5.9027% | 2,660 |
| Net charge-offs to loans | 0.1859% | 428 |
| Credit loss provision to net charge-offs | 350.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 15.2333% | 1,859 |
| Efficiency ratio | 64.0723% | 2,479 |
| Assets per employee ($millions) | 5.7146% | 2,955 |
| Cash dividends to net income (ytd only)* | 24.7024% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,086 |
| Loan loss allowance to noncurrent loans | 223.1884% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 1,842 |
| Noncurrent loans to loans | 0.5679% | 1,319 |
| Net loans and leases to total assets | 39.3600% | 4,063 |
| Net loans and leases to deposits | 43.5999% | 4,118 |
| Net loans and leases to core deposits | 46.8090% | 4,106 |
| Total domestic deposits to total assets | 90.2800% | 849 |
| Equity capital to assets | 9.5741% | 2,111 |
| Core capital (leverage) ratio | 11.4915% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $94,316,333 | 3,905 |
| Average earning assets | $88,657,667 | 3,880 |
| Average equity | $8,572,333 | 3,893 |
| Average total loans | $32,278,000 | 4,133 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3603% | 4,402 |
| Cost of funding earning assets | 0.7990% | 2,743 |
| Net interest margin | 2.5613% | 4,246 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.7586% | 4,101 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 0.6141% | 3,666 |
| Return on assets (ROA) | 0.6141% | 3,621 |
| Pretax return on assets | 0.6266% | 3,799 |
| Return on Equity (ROE) | 6.9300% | 3,534 |
| Retained earnings to average equity (ytd only) | 4.9520% | 3,027 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.8842% | 2,222 |
| Assets per employee ($millions) | 5.7571% | 2,974 |
| Cash dividends to net income (ytd only)* | 28.5714% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,484 |
| Loan loss allowance to noncurrent loans | 167.8967% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 1,689 |
| Noncurrent loans to loans | 0.8542% | 892 |
| Net loans and leases to total assets | 33.9500% | 4,262 |
| Net loans and leases to deposits | 37.5659% | 4,282 |
| Net loans and leases to core deposits | 40.1528% | 4,268 |
| Total domestic deposits to total assets | 90.3700% | 1,017 |
| Equity capital to assets | 9.5328% | 2,116 |
| Core capital (leverage) ratio | 10.4160% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $95,757,500 | 3,944 |
| Average earning assets | $90,111,000 | 3,918 |
| Average equity | $8,481,500 | 3,955 |
| Average total loans | $30,191,000 | 4,220 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8572% | 4,275 |
| Cost of funding earning assets | 0.3198% | 2,725 |
| Net interest margin | 2.5374% | 4,245 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.9884% | 3,611 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.4265% | 4,212 |
| Return on assets (ROA) | 0.4265% | 4,176 |
| Pretax return on assets | 0.3927% | 4,282 |
| Return on Equity (ROE) | 4.3000% | 4,115 |
| Retained earnings to average equity (ytd only) | 2.5669% | 3,833 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.3940% | 829 |
| Assets per employee ($millions) | 6.2126% | 2,582 |
| Cash dividends to net income (ytd only)* | 40.3694% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5723% | 4,366 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,310 |
| Noncurrent loans to loans | 0.1535% | 2,726 |
| Net loans and leases to total assets | 28.6600% | 4,417 |
| Net loans and leases to deposits | 31.2759% | 4,443 |
| Net loans and leases to core deposits | 32.4248% | 4,443 |
| Total domestic deposits to total assets | 91.6500% | 735 |
| Equity capital to assets | 8.2313% | 2,912 |
| Core capital (leverage) ratio | 11.0938% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $88,865,200 | 4,027 |
| Average earning assets | $79,727,800 | 4,038 |
| Average equity | $8,804,400 | 4,008 |
| Average total loans | $26,513,000 | 4,290 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7800% | 4,211 |
| Cost of funding earning assets | 0.1801% | 3,518 |
| Net interest margin | 2.5999% | 4,102 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.0765% | 3,278 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.3618% | 4,302 |
| Return on assets (ROA) | 0.3618% | 4,250 |
| Pretax return on assets | 0.3108% | 4,364 |
| Return on Equity (ROE) | 3.4800% | 4,232 |
| Retained earnings to average equity (ytd only) | 1.8303% | 4,063 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.8549% | 722 |
| Assets per employee ($millions) | 6.3294% | 2,456 |
| Cash dividends to net income (ytd only)* | 47.4359% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5221% | 4,453 |
| Loan loss allowance to noncurrent loans | 255.3571% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,206 |
| Noncurrent loans to loans | 0.2045% | 2,578 |
| Net loans and leases to total assets | 30.7500% | 4,402 |
| Net loans and leases to deposits | 35.9279% | 4,365 |
| Net loans and leases to core deposits | 37.3584% | 4,359 |
| Total domestic deposits to total assets | 85.5800% | 3,155 |
| Equity capital to assets | 7.7371% | 3,060 |
| Core capital (leverage) ratio | 11.7647% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $86,231,250 | 4,085 |
| Average earning assets | $76,258,000 | 4,113 |
| Average equity | $8,960,000 | 4,039 |
| Average total loans | $25,977,250 | 4,339 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6893% | 4,157 |
| Cost of funding earning assets | 0.1439% | 3,653 |
| Net interest margin | 2.5454% | 4,010 |
| Noninterest income to average assets | 0.2762% | 3,512 |
| Noninterest expense to average assets | 2.1794% | 2,919 |
| Loan and lease loss provision to assets | 0.1639% | 565 |
| Net operating income to assets | 0.2786% | 4,324 |
| Return on assets (ROA) | 0.2786% | 4,274 |
| Pretax return on assets | 0.2107% | 4,399 |
| Return on Equity (ROE) | 2.4634% | 4,299 |
| Retained earnings to average equity (ytd only) | 1.0144% | 3,994 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3346% | 605 |
| Assets per employee ($millions) | 5.7317% | 2,996 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3646% | 4,631 |
| Loan loss allowance to noncurrent loans | 388.0000% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,633 |
| Noncurrent loans to loans | 0.0940% | 3,303 |
| Net loans and leases to total assets | 30.8307% | 4,435 |
| Net loans and leases to deposits | 34.9941% | 4,424 |
| Net loans and leases to core deposits | 34.9941% | 4,462 |
| Total domestic deposits to total assets | 88.1025% | 2,532 |
| Equity capital to assets | 9.4352% | 2,070 |
| Core capital (leverage) ratio | 10.4041% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,437,667 | 4,135 |
| Average earning assets | $76,452,333 | 4,163 |
| Average equity | $9,661,333 | 4,037 |
| Average total loans | $25,506,333 | 4,402 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5677% | 4,177 |
| Cost of funding earning assets | 0.1313% | 3,754 |
| Net interest margin | 2.4364% | 4,008 |
| Noninterest income to average assets | 0.2771% | 3,481 |
| Noninterest expense to average assets | 2.2591% | 2,657 |
| Loan and lease loss provision to assets | 0.2207% | 318 |
| Net operating income to assets | 0.0845% | 4,488 |
| Return on assets (ROA) | 0.0845% | 4,462 |
| Pretax return on assets | -0.0235% | 4,529 |
| Return on Equity (ROE) | 0.6899% | 4,463 |
| Retained earnings to average equity (ytd only) | -1.9931% | 4,247 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9694% | 464 |
| Assets per employee ($millions) | 5.3819% | 3,413 |
| Cash dividends to net income (ytd only)* | 388.8889% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2843% | 4,695 |
| Loan loss allowance to noncurrent loans | 260.7143% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 3,654 |
| Noncurrent loans to loans | 0.1090% | 3,290 |
| Net loans and leases to total assets | 29.7372% | 4,453 |
| Net loans and leases to deposits | 33.4430% | 4,454 |
| Net loans and leases to core deposits | 33.4430% | 4,494 |
| Total domestic deposits to total assets | 88.9190% | 2,121 |
| Equity capital to assets | 11.0067% | 1,328 |
| Core capital (leverage) ratio | 11.5895% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,168,500 | 4,159 |
| Average earning assets | $76,178,000 | 4,187 |
| Average equity | $10,436,000 | 4,008 |
| Average total loans | $24,957,500 | 4,428 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3729% | 4,817 |
| Cost of funding earning assets | 0.0165% | 4,779 |
| Net interest margin | 0.3565% | 4,815 |
| Noninterest income to average assets | 0.0968% | 4,620 |
| Noninterest expense to average assets | 0.2977% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1102% | 4,616 |
| Return on assets (ROA) | 0.1102% | 4,623 |
| Pretax return on assets | 0.1176% | 4,624 |
| Return on Equity (ROE) | 0.7830% | 4,623 |
| Retained earnings to average equity (ytd only) | 0.7830% | 4,309 |
| Net charge-offs to loans | 0.0280% | 1,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 2,065 |
| Efficiency ratio | 71.6814% | 1,543 |
| Assets per employee ($millions) | 5.2358% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,595 |
| Noncurrent loans to loans | 0.1692% | 3,102 |
| Net loans and leases to total assets | 28.9294% | 4,542 |
| Net loans and leases to deposits | 33.4147% | 4,542 |
| Net loans and leases to core deposits | 33.5358% | 4,570 |
| Total domestic deposits to total assets | 86.5768% | 2,681 |
| Equity capital to assets | 13.1868% | 849 |
| Core capital (leverage) ratio | 12.8924% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4474% | 211 |
| Memoranda: | ||
| Average total assets | $81,636,800 | 4,190 |
| Average earning assets | $72,939,800 | 4,214 |
| Average equity | $11,493,800 | 3,979 |
| Average total loans | $24,988,200 | 4,476 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3175% | 3,337 |
| Cost of funding earning assets | 0.1598% | 4,017 |
| Net interest margin | 3.1577% | 2,865 |
| Noninterest income to average assets | 0.8401% | 1,414 |
| Noninterest expense to average assets | 2.2243% | 2,997 |
| Loan and lease loss provision to assets | -0.1147% | 4,635 |
| Net operating income to assets | 1.3725% | 1,619 |
| Return on assets (ROA) | 1.4434% | 1,473 |
| Pretax return on assets | 1.6374% | 1,586 |
| Return on Equity (ROE) | 10.0869% | 2,709 |
| Retained earnings to average equity (ytd only) | 10.0869% | 1,290 |
| Net charge-offs to loans | -0.0106% | 3,697 |
| Credit loss provision to net charge-offs | 3,500.0000% | 214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6726% | 2,881 |
| Assets per employee ($millions) | 5.0786% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5710% | 260 |
| Loan loss allowance to noncurrent loans | 850.0000% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,344 |
| Noncurrent loans to loans | 0.3025% | 2,710 |
| Net loans and leases to total assets | 28.5415% | 4,628 |
| Net loans and leases to deposits | 33.7088% | 4,631 |
| Net loans and leases to core deposits | 33.8377% | 4,656 |
| Total domestic deposits to total assets | 84.6709% | 3,238 |
| Equity capital to assets | 14.6683% | 604 |
| Core capital (leverage) ratio | 13.3456% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8709% | 152 |
| Memoranda: | ||
| Average total assets | $81,102,750 | 4,249 |
| Average earning assets | $72,582,250 | 4,280 |
| Average equity | $11,605,500 | 4,026 |
| Average total loans | $25,176,500 | 4,530 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3363% | 3,337 |
| Cost of funding earning assets | 0.1674% | 4,066 |
| Net interest margin | 3.1689% | 2,853 |
| Noninterest income to average assets | 0.8316% | 1,451 |
| Noninterest expense to average assets | 2.1863% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3711% | 1,651 |
| Return on assets (ROA) | 1.4460% | 1,497 |
| Pretax return on assets | 1.5768% | 1,807 |
| Return on Equity (ROE) | 10.1904% | 2,680 |
| Retained earnings to average equity (ytd only) | 10.1904% | 1,346 |
| Net charge-offs to loans | -0.0078% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3834% | 3,099 |
| Assets per employee ($millions) | 5.1852% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7332% | 203 |
| Loan loss allowance to noncurrent loans | 724.4681% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,475 |
| Noncurrent loans to loans | 0.3773% | 2,544 |
| Net loans and leases to total assets | 29.2118% | 4,675 |
| Net loans and leases to deposits | 34.2767% | 4,673 |
| Net loans and leases to core deposits | 34.9001% | 4,695 |
| Total domestic deposits to total assets | 85.2235% | 3,006 |
| Equity capital to assets | 14.1075% | 696 |
| Core capital (leverage) ratio | 14.1907% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3363% | 144 |
| Memoranda: | ||
| Average total assets | $81,051,333 | 4,274 |
| Average earning assets | $72,895,667 | 4,304 |
| Average equity | $11,501,000 | 4,048 |
| Average total loans | $25,634,000 | 4,552 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3752% | 3,271 |
| Cost of funding earning assets | 0.1701% | 4,161 |
| Net interest margin | 3.2050% | 2,680 |
| Noninterest income to average assets | 1.0288% | 1,094 |
| Noninterest expense to average assets | 2.2323% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5422% | 1,233 |
| Return on assets (ROA) | 1.6231% | 1,131 |
| Pretax return on assets | 1.8028% | 1,284 |
| Return on Equity (ROE) | 11.4040% | 2,224 |
| Retained earnings to average equity (ytd only) | 11.4040% | 1,297 |
| Net charge-offs to loans | -0.0154% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5823% | 3,482 |
| Assets per employee ($millions) | 5.0876% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6703% | 208 |
| Loan loss allowance to noncurrent loans | 508.2090% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 3,341 |
| Noncurrent loans to loans | 0.5254% | 2,280 |
| Net loans and leases to total assets | 30.4931% | 4,684 |
| Net loans and leases to deposits | 35.6459% | 4,688 |
| Net loans and leases to core deposits | 36.3038% | 4,712 |
| Total domestic deposits to total assets | 85.5446% | 2,910 |
| Equity capital to assets | 13.9149% | 688 |
| Core capital (leverage) ratio | 12.9589% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9130% | 184 |
| Memoranda: | ||
| Average total assets | $80,095,500 | 4,306 |
| Average earning assets | $72,885,000 | 4,317 |
| Average equity | $11,399,500 | 4,068 |
| Average total loans | $25,993,000 | 4,573 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 3,811 |
| Cost of funding earning assets | 0.3903% | 3,646 |
| Net interest margin | 3.2116% | 3,329 |
| Noninterest income to average assets | 0.7500% | 1,691 |
| Noninterest expense to average assets | 2.3533% | 3,263 |
| Loan and lease loss provision to assets | 0.0939% | 3,176 |
| Net operating income to assets | 1.2087% | 1,524 |
| Return on assets (ROA) | 1.2598% | 1,466 |
| Pretax return on assets | 1.3605% | 1,782 |
| Return on Equity (ROE) | 8.7634% | 2,487 |
| Retained earnings to average equity (ytd only) | 4.8903% | 2,321 |
| Net charge-offs to loans | 0.0482% | 2,108 |
| Credit loss provision to net charge-offs | 538.4615% | 1,193 |
| Earnings coverage of net charge-offs (x) | 80.2308% | 894 |
| Efficiency ratio | 62.7100% | 3,015 |
| Assets per employee ($millions) | 4.9243% | 3,477 |
| Cash dividends to net income (ytd only)* | 44.1960% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5677% | 241 |
| Loan loss allowance to noncurrent loans | 701.0309% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 3,668 |
| Noncurrent loans to loans | 0.3663% | 2,888 |
| Net loans and leases to total assets | 32.7495% | 4,689 |
| Net loans and leases to deposits | 39.2937% | 4,674 |
| Net loans and leases to core deposits | 40.6955% | 4,682 |
| Total domestic deposits to total assets | 83.3454% | 3,313 |
| Equity capital to assets | 14.5604% | 666 |
| Core capital (leverage) ratio | 12.7529% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3025% | 200 |
| Memoranda: | ||
| Average total assets | $74,533,800 | 4,315 |
| Average earning assets | $69,685,600 | 4,299 |
| Average equity | $10,715,000 | 4,119 |
| Average total loans | $26,990,400 | 4,578 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 3,938 |
| Cost of funding earning assets | 0.4500% | 3,529 |
| Net interest margin | 3.1851% | 3,530 |
| Noninterest income to average assets | 0.7096% | 1,768 |
| Noninterest expense to average assets | 2.2957% | 3,432 |
| Loan and lease loss provision to assets | 0.1266% | 2,763 |
| Net operating income to assets | 1.1674% | 1,755 |
| Return on assets (ROA) | 1.2358% | 1,650 |
| Pretax return on assets | 1.3411% | 1,902 |
| Return on Equity (ROE) | 8.6262% | 2,555 |
| Retained earnings to average equity (ytd only) | 3.5594% | 3,278 |
| Net charge-offs to loans | 0.0639% | 1,696 |
| Credit loss provision to net charge-offs | 538.4615% | 1,232 |
| Earnings coverage of net charge-offs (x) | 59.0769% | 1,109 |
| Efficiency ratio | 62.2233% | 3,033 |
| Assets per employee ($millions) | 4.9409% | 3,328 |
| Cash dividends to net income (ytd only)* | 58.7372% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4458% | 248 |
| Loan loss allowance to noncurrent loans | 701.0309% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 3,815 |
| Noncurrent loans to loans | 0.3489% | 3,038 |
| Net loans and leases to total assets | 34.3095% | 4,729 |
| Net loans and leases to deposits | 40.2771% | 4,740 |
| Net loans and leases to core deposits | 41.8455% | 4,751 |
| Total domestic deposits to total assets | 85.1835% | 2,365 |
| Equity capital to assets | 14.1131% | 822 |
| Core capital (leverage) ratio | 12.4795% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7275% | 220 |
| Memoranda: | ||
| Average total assets | $73,470,000 | 4,344 |
| Average earning assets | $68,736,000 | 4,323 |
| Average equity | $10,525,750 | 4,149 |
| Average total loans | $27,117,250 | 4,600 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 4,074 |
| Cost of funding earning assets | 0.5437% | 3,272 |
| Net interest margin | 3.1638% | 3,756 |
| Noninterest income to average assets | 0.8574% | 1,268 |
| Noninterest expense to average assets | 2.4299% | 3,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3015% | 1,354 |
| Return on assets (ROA) | 1.3015% | 1,461 |
| Pretax return on assets | 1.3853% | 1,760 |
| Return on Equity (ROE) | 9.0351% | 2,348 |
| Retained earnings to average equity (ytd only) | 1.2796% | 4,016 |
| Net charge-offs to loans | 0.1041% | 1,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 35.4286% | 1,323 |
| Efficiency ratio | 63.6896% | 2,863 |
| Assets per employee ($millions) | 4.6613% | 3,581 |
| Cash dividends to net income (ytd only)* | 85.8369% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2303% | 318 |
| Loan loss allowance to noncurrent loans | 1,522.5000% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 4,261 |
| Noncurrent loans to loans | 0.1465% | 3,869 |
| Net loans and leases to total assets | 35.7965% | 4,730 |
| Net loans and leases to deposits | 42.2074% | 4,739 |
| Net loans and leases to core deposits | 43.1906% | 4,768 |
| Total domestic deposits to total assets | 84.8109% | 2,469 |
| Equity capital to assets | 14.5374% | 732 |
| Core capital (leverage) ratio | 12.8959% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1514% | 212 |
| Memoranda: | ||
| Average total assets | $71,608,667 | 4,379 |
| Average earning assets | $66,945,000 | 4,357 |
| Average equity | $10,315,333 | 4,187 |
| Average total loans | $26,888,667 | 4,622 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,345 |
| Cost of funding earning assets | 0.6894% | 2,976 |
| Net interest margin | 3.0321% | 4,226 |
| Noninterest income to average assets | 0.3366% | 3,505 |
| Noninterest expense to average assets | 2.4871% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7587% | 3,062 |
| Return on assets (ROA) | 0.7587% | 3,138 |
| Pretax return on assets | 0.6845% | 3,733 |
| Return on Equity (ROE) | 5.2925% | 3,539 |
| Retained earnings to average equity (ytd only) | -10.6248% | 4,786 |
| Net charge-offs to loans | -0.1049% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4173% | 1,287 |
| Assets per employee ($millions) | 4.3556% | 3,464 |
| Cash dividends to net income (ytd only)* | 300.7519% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3646% | 300 |
| Loan loss allowance to noncurrent loans | 1,536.5854% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 2,684 |
| Noncurrent loans to loans | 0.1539% | 3,908 |
| Net loans and leases to total assets | 37.3273% | 4,744 |
| Net loans and leases to deposits | 43.7487% | 4,766 |
| Net loans and leases to core deposits | 45.2384% | 4,790 |
| Total domestic deposits to total assets | 85.3219% | 2,280 |
| Equity capital to assets | 14.2806% | 971 |
| Core capital (leverage) ratio | 13.2104% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8877% | 250 |
| Memoranda: | ||
| Average total assets | $70,123,000 | 4,415 |
| Average earning assets | $65,565,000 | 4,392 |
| Average equity | $10,052,000 | 4,235 |
| Average total loans | $26,680,000 | 4,662 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 4,539 |
| Cost of funding earning assets | 0.8324% | 2,518 |
| Net interest margin | 2.9855% | 4,534 |
| Noninterest income to average assets | 0.4243% | 3,145 |
| Noninterest expense to average assets | 2.3455% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8854% | 3,269 |
| Return on assets (ROA) | 0.9266% | 3,182 |
| Pretax return on assets | 0.9138% | 3,695 |
| Return on Equity (ROE) | 6.8144% | 3,621 |
| Retained earnings to average equity (ytd only) | 4.2055% | 2,855 |
| Net charge-offs to loans | 0.0934% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 23.6538% | 1,807 |
| Efficiency ratio | 72.8836% | 1,751 |
| Assets per employee ($millions) | 4.4098% | 3,358 |
| Cash dividends to net income (ytd only)* | 38.2848% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3318% | 271 |
| Loan loss allowance to noncurrent loans | 1,448.8372% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 2,628 |
| Noncurrent loans to loans | 0.1609% | 3,886 |
| Net loans and leases to total assets | 36.9829% | 4,818 |
| Net loans and leases to deposits | 44.7896% | 4,811 |
| Net loans and leases to core deposits | 46.1318% | 4,833 |
| Total domestic deposits to total assets | 82.5701% | 3,339 |
| Equity capital to assets | 14.3884% | 968 |
| Core capital (leverage) ratio | 13.5278% | 1,046 |
| Tier 1 risk-based capital ratio | 31.8925% | 421 |
| Total risk-based capital ratio | 33.1524% | 410 |
| Memoranda: | ||
| Average total assets | $70,475,600 | 4,422 |
| Average earning assets | $65,953,000 | 4,405 |
| Average equity | $9,582,600 | 4,297 |
| Average total loans | $27,822,800 | 4,686 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 4,647 |
| Cost of funding earning assets | 0.8338% | 2,541 |
| Net interest margin | 2.9879% | 4,637 |
| Noninterest income to average assets | 0.4012% | 3,310 |
| Noninterest expense to average assets | 2.3050% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9065% | 3,323 |
| Return on assets (ROA) | 0.9405% | 3,272 |
| Pretax return on assets | 0.9311% | 3,791 |
| Return on Equity (ROE) | 7.0194% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.4886% | 3,662 |
| Net charge-offs to loans | -0.0142% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9858% | 1,836 |
| Assets per employee ($millions) | 4.4034% | 3,337 |
| Cash dividends to net income (ytd only)* | 50.3026% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4455% | 236 |
| Loan loss allowance to noncurrent loans | 2,173.3333% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 2,495 |
| Noncurrent loans to loans | 0.1125% | 4,136 |
| Net loans and leases to total assets | 36.9158% | 4,905 |
| Net loans and leases to deposits | 43.2791% | 4,926 |
| Net loans and leases to core deposits | 45.1373% | 4,934 |
| Total domestic deposits to total assets | 85.2970% | 2,298 |
| Equity capital to assets | 14.2673% | 1,053 |
| Core capital (leverage) ratio | 13.2985% | 1,214 |
| Tier 1 risk-based capital ratio | 31.4763% | 436 |
| Total risk-based capital ratio | 32.7371% | 431 |
| Memoranda: | ||
| Average total assets | $70,455,250 | 4,478 |
| Average earning assets | $66,042,500 | 4,457 |
| Average equity | $9,440,250 | 4,361 |
| Average total loans | $28,099,250 | 4,746 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 4,693 |
| Cost of funding earning assets | 0.8208% | 2,544 |
| Net interest margin | 2.9954% | 4,703 |
| Noninterest income to average assets | 0.4230% | 3,113 |
| Noninterest expense to average assets | 2.4015% | 3,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8686% | 3,405 |
| Return on assets (ROA) | 0.8800% | 3,423 |
| Pretax return on assets | 0.8402% | 3,996 |
| Return on Equity (ROE) | 6.7126% | 3,786 |
| Retained earnings to average equity (ytd only) | 1.2992% | 4,353 |
| Net charge-offs to loans | -0.0140% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3409% | 1,605 |
| Assets per employee ($millions) | 4.4479% | 3,222 |
| Cash dividends to net income (ytd only)* | 80.6452% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4094% | 253 |
| Loan loss allowance to noncurrent loans | 2,170.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 2,540 |
| Noncurrent loans to loans | 0.1110% | 4,174 |
| Net loans and leases to total assets | 37.0509% | 4,944 |
| Net loans and leases to deposits | 43.0456% | 4,973 |
| Net loans and leases to core deposits | 45.7444% | 4,965 |
| Total domestic deposits to total assets | 86.0736% | 1,994 |
| Equity capital to assets | 13.6201% | 1,273 |
| Core capital (leverage) ratio | 12.9603% | 1,310 |
| Tier 1 risk-based capital ratio | 30.7587% | 462 |
| Total risk-based capital ratio | 32.0192% | 453 |
| Memoranda: | ||
| Average total assets | $70,455,330 | 4,512 |
| Average earning assets | $66,034,000 | 4,496 |
| Average equity | $9,236,330 | 4,407 |
| Average total loans | $28,578,670 | 4,774 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 4,755 |
| Cost of funding earning assets | 0.7874% | 2,612 |
| Net interest margin | 2.9801% | 4,781 |
| Noninterest income to average assets | 0.4679% | 2,748 |
| Noninterest expense to average assets | 2.5107% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8217% | 3,547 |
| Return on assets (ROA) | 0.8217% | 3,587 |
| Pretax return on assets | 0.7646% | 4,134 |
| Return on Equity (ROE) | 6.3943% | 3,875 |
| Retained earnings to average equity (ytd only) | -4.7069% | 4,911 |
| Net charge-offs to loans | -0.0136% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6551% | 1,427 |
| Assets per employee ($millions) | 4.3891% | 3,348 |
| Cash dividends to net income (ytd only)* | 173.6111% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2461% | 334 |
| Loan loss allowance to noncurrent loans | 120.3704% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7689% | 1,831 |
| Noncurrent loans to loans | 1.8660% | 817 |
| Net loans and leases to total assets | 40.2828% | 4,880 |
| Net loans and leases to deposits | 46.7687% | 4,908 |
| Net loans and leases to core deposits | 49.5056% | 4,907 |
| Total domestic deposits to total assets | 86.1319% | 2,211 |
| Equity capital to assets | 13.0892% | 1,401 |
| Core capital (leverage) ratio | 12.9311% | 1,308 |
| Tier 1 risk-based capital ratio | 28.7993% | 521 |
| Total risk-based capital ratio | 30.0588% | 514 |
| Memoranda: | ||
| Average total assets | $70,099,500 | 4,571 |
| Average earning assets | $66,037,500 | 4,543 |
| Average equity | $9,008,000 | 4,466 |
| Average total loans | $29,358,500 | 4,802 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,706 |
| Cost of funding earning assets | 0.5834% | 2,833 |
| Net interest margin | 3.0874% | 4,671 |
| Noninterest income to average assets | 0.4095% | 3,386 |
| Noninterest expense to average assets | 2.2056% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1489% | 2,390 |
| Return on assets (ROA) | 1.1559% | 2,362 |
| Pretax return on assets | 1.1252% | 3,187 |
| Return on Equity (ROE) | 9.7084% | 2,639 |
| Retained earnings to average equity (ytd only) | 0.9039% | 4,738 |
| Net charge-offs to loans | -0.0205% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3583% | 2,810 |
| Assets per employee ($millions) | 4.3733% | 3,339 |
| Cash dividends to net income (ytd only)* | 90.6892% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 341 |
| Loan loss allowance to noncurrent loans | 164.7208% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 2,356 |
| Noncurrent loans to loans | 1.3231% | 1,186 |
| Net loans and leases to total assets | 41.6289% | 4,893 |
| Net loans and leases to deposits | 51.4856% | 4,836 |
| Net loans and leases to core deposits | 53.8111% | 4,854 |
| Total domestic deposits to total assets | 80.8555% | 3,927 |
| Equity capital to assets | 12.6106% | 1,533 |
| Core capital (leverage) ratio | 13.2721% | 1,150 |
| Tier 1 risk-based capital ratio | 28.2908% | 547 |
| Total risk-based capital ratio | 29.5509% | 541 |
| Memoranda: | ||
| Average total assets | $71,546,000 | 4,559 |
| Average earning assets | $67,531,800 | 4,534 |
| Average equity | $8,518,400 | 4,525 |
| Average total loans | $29,266,000 | 4,833 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6423% | 4,735 |
| Cost of funding earning assets | 0.5517% | 2,851 |
| Net interest margin | 3.0905% | 4,722 |
| Noninterest income to average assets | 0.3966% | 3,502 |
| Noninterest expense to average assets | 2.2352% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1361% | 2,506 |
| Return on assets (ROA) | 1.1454% | 2,470 |
| Pretax return on assets | 1.0879% | 3,443 |
| Return on Equity (ROE) | 9.7605% | 2,725 |
| Retained earnings to average equity (ytd only) | -2.0848% | 5,205 |
| Net charge-offs to loans | -0.0229% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4497% | 2,636 |
| Assets per employee ($millions) | 4.2690% | 3,479 |
| Cash dividends to net income (ytd only)* | 121.3597% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2422% | 331 |
| Loan loss allowance to noncurrent loans | 166.1538% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 2,477 |
| Noncurrent loans to loans | 1.3495% | 1,232 |
| Net loans and leases to total assets | 41.3621% | 4,986 |
| Net loans and leases to deposits | 47.7811% | 5,015 |
| Net loans and leases to core deposits | 50.0345% | 5,022 |
| Total domestic deposits to total assets | 86.5659% | 1,938 |
| Equity capital to assets | 12.1325% | 1,816 |
| Core capital (leverage) ratio | 13.1264% | 1,230 |
| Tier 1 risk-based capital ratio | 28.3558% | 549 |
| Total risk-based capital ratio | 29.6167% | 540 |
| Memoranda: | ||
| Average total assets | $71,939,250 | 4,602 |
| Average earning assets | $67,905,000 | 4,574 |
| Average equity | $8,442,000 | 4,579 |
| Average total loans | $29,138,000 | 4,894 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5662% | 4,820 |
| Cost of funding earning assets | 0.5466% | 2,631 |
| Net interest margin | 3.0195% | 4,849 |
| Noninterest income to average assets | 0.3308% | 3,973 |
| Noninterest expense to average assets | 2.2009% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0225% | 2,921 |
| Return on assets (ROA) | 1.0280% | 2,908 |
| Pretax return on assets | 0.9897% | 3,695 |
| Return on Equity (ROE) | 8.8537% | 3,091 |
| Retained earnings to average equity (ytd only) | -8.8066% | 5,396 |
| Net charge-offs to loans | -0.0274% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0987% | 2,465 |
| Assets per employee ($millions) | 4.6055% | 2,962 |
| Cash dividends to net income (ytd only)* | 199.4681% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 389 |
| Loan loss allowance to noncurrent loans | 168.4896% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 2,673 |
| Noncurrent loans to loans | 1.2914% | 1,324 |
| Net loans and leases to total assets | 39.4759% | 5,072 |
| Net loans and leases to deposits | 46.9662% | 5,060 |
| Net loans and leases to core deposits | 50.8629% | 5,023 |
| Total domestic deposits to total assets | 84.0517% | 3,050 |
| Equity capital to assets | 11.2528% | 2,404 |
| Core capital (leverage) ratio | 11.9057% | 1,772 |
| Tier 1 risk-based capital ratio | 26.9675% | 611 |
| Total risk-based capital ratio | 28.2270% | 602 |
| Memoranda: | ||
| Average total assets | $73,151,000 | 4,635 |
| Average earning assets | $69,149,670 | 4,603 |
| Average equity | $8,493,670 | 4,615 |
| Average total loans | $29,217,330 | 4,941 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4990% | 4,874 |
| Cost of funding earning assets | 0.5289% | 2,548 |
| Net interest margin | 2.9701% | 4,916 |
| Noninterest income to average assets | 0.4116% | 3,385 |
| Noninterest expense to average assets | 2.2063% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0428% | 2,679 |
| Return on assets (ROA) | 1.0483% | 2,670 |
| Pretax return on assets | 1.0153% | 3,478 |
| Return on Equity (ROE) | 8.8894% | 2,960 |
| Retained earnings to average equity (ytd only) | -26.0166% | 5,540 |
| Net charge-offs to loans | -0.0276% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6007% | 2,733 |
| Assets per employee ($millions) | 4.5383% | 3,098 |
| Cash dividends to net income (ytd only)* | 392.6702% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2439% | 360 |
| Loan loss allowance to noncurrent loans | 200.3106% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 2,808 |
| Noncurrent loans to loans | 1.1202% | 1,636 |
| Net loans and leases to total assets | 38.6969% | 5,117 |
| Net loans and leases to deposits | 44.2957% | 5,148 |
| Net loans and leases to core deposits | 50.7129% | 5,023 |
| Total domestic deposits to total assets | 87.3604% | 1,974 |
| Equity capital to assets | 11.1426% | 2,438 |
| Core capital (leverage) ratio | 11.8034% | 1,777 |
| Tier 1 risk-based capital ratio | 26.4342% | 654 |
| Total risk-based capital ratio | 27.6925% | 642 |
| Memoranda: | ||
| Average total assets | $72,882,500 | 4,691 |
| Average earning assets | $68,819,500 | 4,664 |
| Average equity | $8,594,500 | 4,647 |
| Average total loans | $28,958,000 | 4,993 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 4,480 |
| Cost of funding earning assets | 0.4120% | 3,137 |
| Net interest margin | 3.2272% | 4,368 |
| Noninterest income to average assets | 0.4478% | 3,327 |
| Noninterest expense to average assets | 2.2446% | 4,447 |
| Loan and lease loss provision to assets | 0.0084% | 4,100 |
| Net operating income to assets | 1.1372% | 1,721 |
| Return on assets (ROA) | 1.1537% | 1,699 |
| Pretax return on assets | 1.2723% | 2,461 |
| Return on Equity (ROE) | 9.2369% | 2,196 |
| Retained earnings to average equity (ytd only) | 1.3068% | 4,502 |
| Net charge-offs to loans | 0.0146% | 3,599 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 226.2500% | 361 |
| Efficiency ratio | 64.0016% | 3,607 |
| Assets per employee ($millions) | 4.5720% | 3,075 |
| Cash dividends to net income (ytd only)* | 85.8525% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2042% | 367 |
| Loan loss allowance to noncurrent loans | 199.6894% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 2,855 |
| Noncurrent loans to loans | 1.1038% | 1,608 |
| Net loans and leases to total assets | 38.9996% | 5,173 |
| Net loans and leases to deposits | 47.2616% | 5,152 |
| Net loans and leases to core deposits | 54.4821% | 4,986 |
| Total domestic deposits to total assets | 82.5186% | 3,723 |
| Equity capital to assets | 12.4371% | 1,556 |
| Core capital (leverage) ratio | 12.7465% | 1,243 |
| Tier 1 risk-based capital ratio | 28.4761% | 518 |
| Total risk-based capital ratio | 29.7356% | 512 |
| Memoranda: | ||
| Average total assets | $71,684,000 | 4,749 |
| Average earning assets | $67,953,800 | 4,706 |
| Average equity | $8,953,200 | 4,620 |
| Average total loans | $27,376,600 | 5,080 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,333 |
| Cost of funding earning assets | 0.3963% | 3,238 |
| Net interest margin | 3.2982% | 4,177 |
| Noninterest income to average assets | 0.4300% | 3,475 |
| Noninterest expense to average assets | 2.2846% | 4,340 |
| Loan and lease loss provision to assets | 0.0112% | 3,916 |
| Net operating income to assets | 1.1718% | 1,799 |
| Return on assets (ROA) | 1.1909% | 1,767 |
| Pretax return on assets | 1.2825% | 2,575 |
| Return on Equity (ROE) | 9.5246% | 2,338 |
| Retained earnings to average equity (ytd only) | -0.1943% | 5,240 |
| Net charge-offs to loans | 0.0149% | 3,222 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 226.9950% | 385 |
| Efficiency ratio | 64.2144% | 3,503 |
| Assets per employee ($millions) | 4.4976% | 3,150 |
| Cash dividends to net income (ytd only)* | 102.0417% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2602% | 370 |
| Loan loss allowance to noncurrent loans | 130.8943% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 2,236 |
| Noncurrent loans to loans | 1.7267% | 1,047 |
| Net loans and leases to total assets | 38.6996% | 5,239 |
| Net loans and leases to deposits | 46.3393% | 5,246 |
| Net loans and leases to core deposits | 53.7875% | 5,077 |
| Total domestic deposits to total assets | 83.5135% | 3,284 |
| Equity capital to assets | 12.8804% | 1,450 |
| Core capital (leverage) ratio | 12.4937% | 1,416 |
| Tier 1 risk-based capital ratio | 28.9177% | 523 |
| Total risk-based capital ratio | 30.1766% | 511 |
| Memoranda: | ||
| Average total assets | $71,317,000 | 4,807 |
| Average earning assets | $67,631,500 | 4,758 |
| Average equity | $8,917,000 | 4,673 |
| Average total loans | $26,927,750 | 5,152 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7982% | 3,902 |
| Cost of funding earning assets | 0.3685% | 3,396 |
| Net interest margin | 3.4297% | 3,666 |
| Noninterest income to average assets | 0.4444% | 3,390 |
| Noninterest expense to average assets | 2.3094% | 4,318 |
| Loan and lease loss provision to assets | 0.0169% | 3,622 |
| Net operating income to assets | 1.2435% | 1,461 |
| Return on assets (ROA) | 1.2461% | 1,478 |
| Pretax return on assets | 1.3671% | 2,144 |
| Return on Equity (ROE) | 10.0686% | 2,010 |
| Retained earnings to average equity (ytd only) | -4.7047% | 5,524 |
| Net charge-offs to loans | 0.0303% | 2,600 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 122.7500% | 566 |
| Efficiency ratio | 62.5762% | 3,893 |
| Assets per employee ($millions) | 4.5120% | 3,086 |
| Cash dividends to net income (ytd only)* | 146.7269% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3714% | 339 |
| Loan loss allowance to noncurrent loans | 130.6911% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 2,293 |
| Noncurrent loans to loans | 1.8145% | 991 |
| Net loans and leases to total assets | 36.6689% | 5,353 |
| Net loans and leases to deposits | 44.3306% | 5,327 |
| Net loans and leases to core deposits | 51.2487% | 5,177 |
| Total domestic deposits to total assets | 82.7169% | 3,651 |
| Equity capital to assets | 12.6856% | 1,530 |
| Core capital (leverage) ratio | 12.2873% | 1,484 |
| Tier 1 risk-based capital ratio | 28.7076% | 512 |
| Total risk-based capital ratio | 29.9718% | 507 |
| Memoranda: | ||
| Average total assets | $71,102,000 | 4,843 |
| Average earning assets | $67,294,330 | 4,797 |
| Average equity | $8,799,670 | 4,721 |
| Average total loans | $26,406,000 | 5,204 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 2,240 |
| Cost of funding earning assets | 0.3428% | 3,603 |
| Net interest margin | 3.8671% | 1,898 |
| Noninterest income to average assets | 0.4365% | 3,405 |
| Noninterest expense to average assets | 2.3527% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4513% | 894 |
| Return on assets (ROA) | 1.4513% | 916 |
| Pretax return on assets | 1.7291% | 940 |
| Return on Equity (ROE) | 11.8787% | 1,275 |
| Retained earnings to average equity (ytd only) | -18.2820% | 5,707 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6389% | 4,758 |
| Assets per employee ($millions) | 4.4963% | 3,168 |
| Cash dividends to net income (ytd only)* | 253.9063% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4542% | 328 |
| Loan loss allowance to noncurrent loans | 130.2846% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7854% | 2,335 |
| Noncurrent loans to loans | 1.8837% | 975 |
| Net loans and leases to total assets | 35.4151% | 5,428 |
| Net loans and leases to deposits | 40.8780% | 5,442 |
| Net loans and leases to core deposits | 47.1614% | 5,332 |
| Total domestic deposits to total assets | 86.6363% | 2,377 |
| Equity capital to assets | 11.8361% | 1,954 |
| Core capital (leverage) ratio | 12.1801% | 1,513 |
| Tier 1 risk-based capital ratio | 28.0377% | 560 |
| Total risk-based capital ratio | 29.2995% | 543 |
| Memoranda: | ||
| Average total assets | $70,557,000 | 4,904 |
| Average earning assets | $66,509,500 | 4,869 |
| Average equity | $8,620,500 | 4,789 |
| Average total loans | $26,051,500 | 5,273 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4619% | 4,871 |
| Cost of funding earning assets | 0.3139% | 3,911 |
| Net interest margin | 3.1480% | 4,595 |
| Noninterest income to average assets | 0.4683% | 3,421 |
| Noninterest expense to average assets | 2.3197% | 4,511 |
| Loan and lease loss provision to assets | 0.0654% | 3,061 |
| Net operating income to assets | 1.0893% | 1,937 |
| Return on assets (ROA) | 1.0995% | 1,998 |
| Pretax return on assets | 1.0835% | 3,161 |
| Return on Equity (ROE) | 8.3808% | 2,752 |
| Retained earnings to average equity (ytd only) | 2.1174% | 4,328 |
| Net charge-offs to loans | 0.2258% | 1,231 |
| Credit loss provision to net charge-offs | 76.2712% | 3,038 |
| Earnings coverage of net charge-offs (x) | 13.2712% | 2,380 |
| Efficiency ratio | 67.0732% | 3,427 |
| Assets per employee ($millions) | 4.3233% | 3,404 |
| Cash dividends to net income (ytd only)* | 74.7354% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4669% | 326 |
| Loan loss allowance to noncurrent loans | 108.4602% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 2,212 |
| Noncurrent loans to loans | 2.2745% | 736 |
| Net loans and leases to total assets | 36.6371% | 5,462 |
| Net loans and leases to deposits | 44.2116% | 5,423 |
| Net loans and leases to core deposits | 50.9151% | 5,270 |
| Total domestic deposits to total assets | 82.8676% | 3,812 |
| Equity capital to assets | 12.6147% | 1,453 |
| Core capital (leverage) ratio | 13.2600% | 1,042 |
| Tier 1 risk-based capital ratio | 29.7322% | 489 |
| Total risk-based capital ratio | 30.9915% | 485 |
| Memoranda: | ||
| Average total assets | $68,759,200 | 4,961 |
| Average earning assets | $65,311,600 | 4,911 |
| Average equity | $9,020,600 | 4,762 |
| Average total loans | $26,134,400 | 5,311 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 4,848 |
| Cost of funding earning assets | 0.3209% | 3,858 |
| Net interest margin | 3.1641% | 4,596 |
| Noninterest income to average assets | 0.4874% | 3,339 |
| Noninterest expense to average assets | 2.3460% | 4,419 |
| Loan and lease loss provision to assets | 0.0874% | 2,484 |
| Net operating income to assets | 1.0856% | 2,063 |
| Return on assets (ROA) | 1.0992% | 2,101 |
| Pretax return on assets | 1.0739% | 3,337 |
| Return on Equity (ROE) | 8.2981% | 2,854 |
| Retained earnings to average equity (ytd only) | 0.0146% | 5,341 |
| Net charge-offs to loans | 0.3057% | 756 |
| Credit loss provision to net charge-offs | 75.0000% | 2,721 |
| Earnings coverage of net charge-offs (x) | 9.8498% | 2,645 |
| Efficiency ratio | 67.1484% | 3,393 |
| Assets per employee ($millions) | 4.2838% | 3,444 |
| Cash dividends to net income (ytd only)* | 99.8224% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4272% | 360 |
| Loan loss allowance to noncurrent loans | 101.4263% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 2,260 |
| Noncurrent loans to loans | 2.3931% | 754 |
| Net loans and leases to total assets | 37.5372% | 5,490 |
| Net loans and leases to deposits | 44.3502% | 5,502 |
| Net loans and leases to core deposits | 51.2500% | 5,341 |
| Total domestic deposits to total assets | 84.6382% | 2,971 |
| Equity capital to assets | 13.5104% | 1,242 |
| Core capital (leverage) ratio | 12.8302% | 1,250 |
| Tier 1 risk-based capital ratio | 29.4747% | 501 |
| Total risk-based capital ratio | 30.7367% | 494 |
| Memoranda: | ||
| Average total assets | $68,655,750 | 5,003 |
| Average earning assets | $65,229,250 | 4,952 |
| Average equity | $9,094,250 | 4,792 |
| Average total loans | $26,172,000 | 5,366 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 4,830 |
| Cost of funding earning assets | 0.3249% | 3,847 |
| Net interest margin | 3.1880% | 4,583 |
| Noninterest income to average assets | 0.4338% | 3,641 |
| Noninterest expense to average assets | 2.3233% | 4,545 |
| Loan and lease loss provision to assets | 0.1310% | 1,741 |
| Net operating income to assets | 1.0889% | 1,997 |
| Return on assets (ROA) | 1.1093% | 2,046 |
| Pretax return on assets | 1.0277% | 3,484 |
| Return on Equity (ROE) | 8.4301% | 2,781 |
| Retained earnings to average equity (ytd only) | -4.0712% | 5,697 |
| Net charge-offs to loans | 0.3218% | 734 |
| Credit loss provision to net charge-offs | 107.1429% | 1,999 |
| Earnings coverage of net charge-offs (x) | 9.3095% | 2,430 |
| Efficiency ratio | 67.1152% | 3,517 |
| Assets per employee ($millions) | 4.2701% | 3,430 |
| Cash dividends to net income (ytd only)* | 148.2940% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5513% | 342 |
| Loan loss allowance to noncurrent loans | 265.3226% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 4,030 |
| Noncurrent loans to loans | 0.9616% | 2,357 |
| Net loans and leases to total assets | 36.7866% | 5,569 |
| Net loans and leases to deposits | 43.8491% | 5,571 |
| Net loans and leases to core deposits | 50.7573% | 5,406 |
| Total domestic deposits to total assets | 83.8937% | 3,312 |
| Equity capital to assets | 13.4293% | 1,273 |
| Core capital (leverage) ratio | 12.5934% | 1,305 |
| Tier 1 risk-based capital ratio | 29.5775% | 516 |
| Total risk-based capital ratio | 30.8402% | 508 |
| Memoranda: | ||
| Average total assets | $68,694,330 | 5,052 |
| Average earning assets | $65,244,000 | 5,000 |
| Average equity | $9,039,000 | 4,834 |
| Average total loans | $26,106,670 | 5,429 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5385% | 4,787 |
| Cost of funding earning assets | 0.3361% | 3,768 |
| Net interest margin | 3.2024% | 4,570 |
| Noninterest income to average assets | 0.4239% | 3,656 |
| Noninterest expense to average assets | 2.3054% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1390% | 1,753 |
| Return on assets (ROA) | 1.1788% | 1,723 |
| Pretax return on assets | 1.2021% | 2,694 |
| Return on Equity (ROE) | 9.0514% | 2,405 |
| Retained earnings to average equity (ytd only) | -13.2427% | 5,880 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4992% | 3,718 |
| Assets per employee ($millions) | 4.3138% | 3,388 |
| Cash dividends to net income (ytd only)* | 246.3054% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4585% | 404 |
| Loan loss allowance to noncurrent loans | 186.8946% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 3,572 |
| Noncurrent loans to loans | 1.3154% | 1,817 |
| Net loans and leases to total assets | 37.7094% | 5,567 |
| Net loans and leases to deposits | 44.9858% | 5,557 |
| Net loans and leases to core deposits | 51.9968% | 5,354 |
| Total domestic deposits to total assets | 83.8250% | 3,587 |
| Equity capital to assets | 12.8934% | 1,463 |
| Core capital (leverage) ratio | 12.2274% | 1,481 |
| Tier 1 risk-based capital ratio | 28.7583% | 561 |
| Total risk-based capital ratio | 30.0261% | 545 |
| Memoranda: | ||
| Average total assets | $68,881,000 | 5,096 |
| Average earning assets | $65,451,500 | 5,037 |
| Average equity | $8,971,000 | 4,867 |
| Average total loans | $26,264,500 | 5,474 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 4,696 |
| Cost of funding earning assets | 0.3001% | 4,246 |
| Net interest margin | 3.2937% | 4,315 |
| Noninterest income to average assets | 0.4513% | 3,655 |
| Noninterest expense to average assets | 2.2651% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2018% | 1,541 |
| Return on assets (ROA) | 1.2151% | 1,566 |
| Pretax return on assets | 1.3421% | 2,124 |
| Return on Equity (ROE) | 9.4986% | 2,220 |
| Retained earnings to average equity (ytd only) | 2.5231% | 4,275 |
| Net charge-offs to loans | -0.0977% | 5,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0488% | 4,432 |
| Assets per employee ($millions) | 4.2964% | 3,389 |
| Cash dividends to net income (ytd only)* | 73.4375% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5342% | 378 |
| Loan loss allowance to noncurrent loans | 113.5182% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 2,528 |
| Noncurrent loans to loans | 2.2325% | 879 |
| Net loans and leases to total assets | 36.6457% | 5,685 |
| Net loans and leases to deposits | 44.1870% | 5,644 |
| Net loans and leases to core deposits | 51.7067% | 5,424 |
| Total domestic deposits to total assets | 82.9333% | 3,855 |
| Equity capital to assets | 13.1550% | 1,279 |
| Core capital (leverage) ratio | 12.9420% | 1,166 |
| Tier 1 risk-based capital ratio | 29.5100% | 529 |
| Total risk-based capital ratio | 30.7703% | 518 |
| Memoranda: | ||
| Average total assets | $68,472,600 | 5,121 |
| Average earning assets | $65,307,200 | 5,055 |
| Average equity | $8,759,200 | 4,903 |
| Average total loans | $25,600,200 | 5,531 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 4,717 |
| Cost of funding earning assets | 0.3002% | 4,336 |
| Net interest margin | 3.3066% | 4,314 |
| Noninterest income to average assets | 0.4405% | 3,787 |
| Noninterest expense to average assets | 2.2824% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1985% | 1,657 |
| Return on assets (ROA) | 1.2163% | 1,662 |
| Pretax return on assets | 1.3332% | 2,269 |
| Return on Equity (ROE) | 9.5759% | 2,283 |
| Retained earnings to average equity (ytd only) | 0.1995% | 5,550 |
| Net charge-offs to loans | -0.1253% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4688% | 4,339 |
| Assets per employee ($millions) | 4.2539% | 3,416 |
| Cash dividends to net income (ytd only)* | 97.9170% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5516% | 406 |
| Loan loss allowance to noncurrent loans | 119.0909% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 2,806 |
| Noncurrent loans to loans | 2.1426% | 1,043 |
| Net loans and leases to total assets | 36.7527% | 5,760 |
| Net loans and leases to deposits | 44.2861% | 5,713 |
| Net loans and leases to core deposits | 51.3655% | 5,528 |
| Total domestic deposits to total assets | 82.9893% | 3,830 |
| Equity capital to assets | 12.9615% | 1,467 |
| Core capital (leverage) ratio | 12.5296% | 1,403 |
| Tier 1 risk-based capital ratio | 29.6814% | 542 |
| Total risk-based capital ratio | 30.9418% | 532 |
| Memoranda: | ||
| Average total assets | $68,405,250 | 5,185 |
| Average earning assets | $65,282,500 | 5,114 |
| Average equity | $8,688,250 | 4,979 |
| Average total loans | $25,538,750 | 5,595 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 4,643 |
| Cost of funding earning assets | 0.2933% | 4,465 |
| Net interest margin | 3.3359% | 4,156 |
| Noninterest income to average assets | 0.4116% | 3,995 |
| Noninterest expense to average assets | 2.2329% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1889% | 1,635 |
| Return on assets (ROA) | 1.2143% | 1,639 |
| Pretax return on assets | 1.3952% | 2,001 |
| Return on Equity (ROE) | 9.6255% | 2,241 |
| Retained earnings to average equity (ytd only) | -4.5120% | 5,998 |
| Net charge-offs to loans | -0.1883% | 6,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0438% | 4,675 |
| Assets per employee ($millions) | 4.3474% | 3,214 |
| Cash dividends to net income (ytd only)* | 146.8750% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5256% | 473 |
| Loan loss allowance to noncurrent loans | 166.4122% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 3,402 |
| Noncurrent loans to loans | 1.5177% | 1,751 |
| Net loans and leases to total assets | 36.2872% | 5,801 |
| Net loans and leases to deposits | 45.0443% | 5,723 |
| Net loans and leases to core deposits | 53.1591% | 5,478 |
| Total domestic deposits to total assets | 80.5589% | 4,729 |
| Equity capital to assets | 12.2227% | 1,859 |
| Core capital (leverage) ratio | 12.0420% | 1,636 |
| Tier 1 risk-based capital ratio | 27.9066% | 646 |
| Total risk-based capital ratio | 29.1676% | 641 |
| Memoranda: | ||
| Average total assets | $68,519,330 | 5,242 |
| Average earning assets | $65,469,670 | 5,164 |
| Average equity | $8,643,670 | 5,026 |
| Average total loans | $25,495,000 | 5,652 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4641% | 5,054 |
| Cost of funding earning assets | 0.2959% | 4,483 |
| Net interest margin | 3.1682% | 4,721 |
| Noninterest income to average assets | 0.3706% | 4,241 |
| Noninterest expense to average assets | 2.2883% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1118% | 1,831 |
| Return on assets (ROA) | 1.1118% | 1,937 |
| Pretax return on assets | 1.1059% | 3,043 |
| Return on Equity (ROE) | 8.6752% | 2,613 |
| Retained earnings to average equity (ytd only) | -19.3700% | 6,266 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4177% | 3,918 |
| Assets per employee ($millions) | 4.2209% | 3,526 |
| Cash dividends to net income (ytd only)* | 323.2804% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5171% | 518 |
| Loan loss allowance to noncurrent loans | 158.6902% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6471% | 3,565 |
| Noncurrent loans to loans | 1.5862% | 1,763 |
| Net loans and leases to total assets | 36.1279% | 5,822 |
| Net loans and leases to deposits | 43.3721% | 5,782 |
| Net loans and leases to core deposits | 50.3643% | 5,575 |
| Total domestic deposits to total assets | 83.2975% | 4,083 |
| Equity capital to assets | 12.6660% | 1,587 |
| Core capital (leverage) ratio | 11.9612% | 1,661 |
| Tier 1 risk-based capital ratio | 28.1958% | 641 |
| Total risk-based capital ratio | 29.4568% | 627 |
| Memoranda: | ||
| Average total assets | $67,999,500 | 5,306 |
| Average earning assets | $64,895,000 | 5,235 |
| Average equity | $8,714,500 | 5,058 |
| Average total loans | $25,295,000 | 5,703 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 5,260 |
| Cost of funding earning assets | 0.3107% | 4,675 |
| Net interest margin | 3.2165% | 4,866 |
| Noninterest income to average assets | 0.5069% | 3,453 |
| Noninterest expense to average assets | 2.3928% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1221% | 1,893 |
| Return on assets (ROA) | 1.1465% | 1,854 |
| Pretax return on assets | 1.1957% | 2,671 |
| Return on Equity (ROE) | 8.9003% | 2,636 |
| Retained earnings to average equity (ytd only) | 3.6920% | 3,588 |
| Net charge-offs to loans | -0.0041% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1548% | 4,034 |
| Assets per employee ($millions) | 4.2790% | 3,403 |
| Cash dividends to net income (ytd only)* | 58.5176% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4647% | 579 |
| Loan loss allowance to noncurrent loans | 196.8750% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 4,044 |
| Noncurrent loans to loans | 1.2519% | 2,359 |
| Net loans and leases to total assets | 36.4148% | 5,932 |
| Net loans and leases to deposits | 46.8875% | 5,754 |
| Net loans and leases to core deposits | 55.4232% | 5,417 |
| Total domestic deposits to total assets | 77.6642% | 5,494 |
| Equity capital to assets | 12.9630% | 1,393 |
| Core capital (leverage) ratio | 12.6142% | 1,302 |
| Tier 1 risk-based capital ratio | 28.7876% | 583 |
| Total risk-based capital ratio | 30.0488% | 565 |
| Memoranda: | ||
| Average total assets | $67,075,200 | 5,368 |
| Average earning assets | $63,733,800 | 5,287 |
| Average equity | $8,640,200 | 5,058 |
| Average total loans | $24,287,000 | 5,808 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 5,329 |
| Cost of funding earning assets | 0.3138% | 4,743 |
| Net interest margin | 3.2135% | 4,919 |
| Noninterest income to average assets | 0.4895% | 3,615 |
| Noninterest expense to average assets | 2.4077% | 4,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1171% | 1,963 |
| Return on assets (ROA) | 1.1289% | 2,000 |
| Pretax return on assets | 1.1429% | 3,018 |
| Return on Equity (ROE) | 8.7783% | 2,798 |
| Retained earnings to average equity (ytd only) | 1.7868% | 5,161 |
| Net charge-offs to loans | -0.0055% | 5,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0407% | 3,843 |
| Assets per employee ($millions) | 3.9427% | 4,005 |
| Cash dividends to net income (ytd only)* | 79.6472% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5825% | 590 |
| Loan loss allowance to noncurrent loans | 156.9652% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 3,861 |
| Noncurrent loans to loans | 1.6452% | 1,981 |
| Net loans and leases to total assets | 35.5131% | 6,049 |
| Net loans and leases to deposits | 44.5874% | 5,940 |
| Net loans and leases to core deposits | 51.4126% | 5,720 |
| Total domestic deposits to total assets | 79.6482% | 5,185 |
| Equity capital to assets | 12.9890% | 1,430 |
| Core capital (leverage) ratio | 12.4823% | 1,409 |
| Tier 1 risk-based capital ratio | 28.6493% | 600 |
| Total risk-based capital ratio | 29.9109% | 589 |
| Memoranda: | ||
| Average total assets | $66,728,000 | 5,434 |
| Average earning assets | $63,315,250 | 5,359 |
| Average equity | $8,581,500 | 5,112 |
| Average total loans | $23,968,500 | 5,885 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5776% | 5,209 |
| Cost of funding earning assets | 0.3137% | 4,839 |
| Net interest margin | 3.2639% | 4,720 |
| Noninterest income to average assets | 0.4893% | 3,558 |
| Noninterest expense to average assets | 2.3503% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1358% | 1,797 |
| Return on assets (ROA) | 1.1497% | 1,837 |
| Pretax return on assets | 1.2457% | 2,480 |
| Return on Equity (ROE) | 8.9696% | 2,613 |
| Retained earnings to average equity (ytd only) | -0.3981% | 5,751 |
| Net charge-offs to loans | -0.0084% | 5,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6329% | 4,414 |
| Assets per employee ($millions) | 3.5195% | 4,807 |
| Cash dividends to net income (ytd only)* | 104.4386% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5641% | 653 |
| Loan loss allowance to noncurrent loans | 167.5532% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 4,037 |
| Noncurrent loans to loans | 1.5303% | 2,271 |
| Net loans and leases to total assets | 35.8008% | 6,058 |
| Net loans and leases to deposits | 44.2203% | 5,970 |
| Net loans and leases to core deposits | 50.6484% | 5,757 |
| Total domestic deposits to total assets | 80.9601% | 4,996 |
| Equity capital to assets | 12.8368% | 1,462 |
| Core capital (leverage) ratio | 12.2087% | 1,547 |
| Tier 1 risk-based capital ratio | 28.7251% | 601 |
| Total risk-based capital ratio | 29.9860% | 584 |
| Memoranda: | ||
| Average total assets | $66,628,670 | 5,489 |
| Average earning assets | $63,115,330 | 5,417 |
| Average equity | $8,540,000 | 5,153 |
| Average total loans | $23,813,330 | 5,936 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5830% | 5,221 |
| Cost of funding earning assets | 0.3252% | 4,790 |
| Net interest margin | 3.2579% | 4,710 |
| Noninterest income to average assets | 0.4511% | 3,782 |
| Noninterest expense to average assets | 2.4238% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0887% | 1,857 |
| Return on assets (ROA) | 1.1006% | 1,873 |
| Pretax return on assets | 1.1126% | 2,843 |
| Return on Equity (ROE) | 8.5936% | 2,646 |
| Retained earnings to average equity (ytd only) | -10.1902% | 6,367 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7713% | 4,049 |
| Assets per employee ($millions) | 3.4904% | 4,935 |
| Cash dividends to net income (ytd only)* | 218.5792% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6891% | 637 |
| Loan loss allowance to noncurrent loans | 152.1739% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 3,974 |
| Noncurrent loans to loans | 1.7671% | 2,180 |
| Net loans and leases to total assets | 34.3768% | 6,160 |
| Net loans and leases to deposits | 41.7990% | 6,086 |
| Net loans and leases to core deposits | 47.8206% | 5,885 |
| Total domestic deposits to total assets | 82.2431% | 4,875 |
| Equity capital to assets | 12.7944% | 1,401 |
| Core capital (leverage) ratio | 12.0598% | 1,618 |
| Tier 1 risk-based capital ratio | 28.7877% | 590 |
| Total risk-based capital ratio | 30.0470% | 578 |
| Memoranda: | ||
| Average total assets | $66,508,000 | 5,547 |
| Average earning assets | $62,740,000 | 5,482 |
| Average equity | $8,518,000 | 5,176 |
| Average total loans | $23,435,000 | 6,006 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 5,306 |
| Cost of funding earning assets | 0.4088% | 4,553 |
| Net interest margin | 3.2310% | 4,892 |
| Noninterest income to average assets | 0.7417% | 2,327 |
| Noninterest expense to average assets | 2.3099% | 5,351 |
| Loan and lease loss provision to assets | 0.2204% | 1,657 |
| Net operating income to assets | 1.1209% | 1,866 |
| Return on assets (ROA) | 1.1423% | 1,854 |
| Pretax return on assets | 1.2719% | 2,262 |
| Return on Equity (ROE) | 9.0254% | 2,520 |
| Retained earnings to average equity (ytd only) | 4.9069% | 2,665 |
| Net charge-offs to loans | 0.5852% | 1,128 |
| Credit loss provision to net charge-offs | 104.9645% | 2,303 |
| Earnings coverage of net charge-offs (x) | 6.9929% | 2,935 |
| Efficiency ratio | 61.1352% | 5,341 |
| Assets per employee ($millions) | 3.5104% | 4,882 |
| Cash dividends to net income (ytd only)* | 45.6323% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6875% | 668 |
| Loan loss allowance to noncurrent loans | 286.3636% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 4,992 |
| Noncurrent loans to loans | 0.9385% | 3,642 |
| Net loans and leases to total assets | 34.2019% | 6,291 |
| Net loans and leases to deposits | 42.1812% | 6,216 |
| Net loans and leases to core deposits | 48.3090% | 6,015 |
| Total domestic deposits to total assets | 81.0834% | 5,150 |
| Equity capital to assets | 12.8205% | 1,357 |
| Core capital (leverage) ratio | 12.5365% | 1,338 |
| Tier 1 risk-based capital ratio | 29.5822% | 521 |
| Total risk-based capital ratio | 30.8385% | 512 |
| Memoranda: | ||
| Average total assets | $67,145,000 | 5,563 |
| Average earning assets | $63,107,600 | 5,501 |
| Average equity | $8,498,200 | 5,212 |
| Average total loans | $24,093,000 | 6,027 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 5,312 |
| Cost of funding earning assets | 0.4236% | 4,574 |
| Net interest margin | 3.2225% | 4,923 |
| Noninterest income to average assets | 0.8128% | 2,084 |
| Noninterest expense to average assets | 2.3273% | 5,251 |
| Loan and lease loss provision to assets | 0.2656% | 1,332 |
| Net operating income to assets | 1.1136% | 1,959 |
| Return on assets (ROA) | 1.1419% | 1,919 |
| Pretax return on assets | 1.2826% | 2,396 |
| Return on Equity (ROE) | 9.0510% | 2,605 |
| Retained earnings to average equity (ytd only) | 3.5513% | 4,173 |
| Net charge-offs to loans | 0.7091% | 844 |
| Credit loss provision to net charge-offs | 103.8760% | 2,254 |
| Earnings coverage of net charge-offs (x) | 5.9301% | 3,073 |
| Efficiency ratio | 60.5467% | 5,352 |
| Assets per employee ($millions) | 3.4309% | 4,990 |
| Cash dividends to net income (ytd only)* | 60.7646% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6948% | 747 |
| Loan loss allowance to noncurrent loans | 247.2441% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 4,985 |
| Noncurrent loans to loans | 1.0899% | 3,612 |
| Net loans and leases to total assets | 34.7855% | 6,329 |
| Net loans and leases to deposits | 42.2311% | 6,293 |
| Net loans and leases to core deposits | 48.9678% | 6,072 |
| Total domestic deposits to total assets | 82.3695% | 4,803 |
| Equity capital to assets | 12.7968% | 1,425 |
| Core capital (leverage) ratio | 12.5509% | 1,396 |
| Tier 1 risk-based capital ratio | 29.7909% | 527 |
| Total risk-based capital ratio | 31.0531% | 518 |
| Memoranda: | ||
| Average total assets | $67,256,750 | 5,617 |
| Average earning assets | $63,262,250 | 5,555 |
| Average equity | $8,485,000 | 5,274 |
| Average total loans | $24,255,750 | 6,082 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 5,133 |
| Cost of funding earning assets | 0.4523% | 4,406 |
| Net interest margin | 3.2507% | 4,769 |
| Noninterest income to average assets | 0.8978% | 1,816 |
| Noninterest expense to average assets | 2.3165% | 5,315 |
| Loan and lease loss provision to assets | 0.3944% | 797 |
| Net operating income to assets | 1.1332% | 1,803 |
| Return on assets (ROA) | 1.1332% | 1,917 |
| Pretax return on assets | 1.2333% | 2,550 |
| Return on Equity (ROE) | 9.0241% | 2,597 |
| Retained earnings to average equity (ytd only) | 0.8204% | 5,568 |
| Net charge-offs to loans | 1.0662% | 565 |
| Credit loss provision to net charge-offs | 102.2901% | 2,166 |
| Earnings coverage of net charge-offs (x) | 4.2214% | 3,183 |
| Efficiency ratio | 58.7313% | 5,638 |
| Assets per employee ($millions) | 3.5551% | 4,742 |
| Cash dividends to net income (ytd only)* | 90.9091% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6189% | 863 |
| Loan loss allowance to noncurrent loans | 239.8467% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 5,081 |
| Noncurrent loans to loans | 1.0919% | 3,749 |
| Net loans and leases to total assets | 34.4604% | 6,390 |
| Net loans and leases to deposits | 42.4213% | 6,306 |
| Net loans and leases to core deposits | 49.2823% | 6,063 |
| Total domestic deposits to total assets | 81.2338% | 5,281 |
| Equity capital to assets | 12.4165% | 1,630 |
| Core capital (leverage) ratio | 11.6155% | 1,851 |
| Tier 1 risk-based capital ratio | 28.1054% | 620 |
| Total risk-based capital ratio | 29.3644% | 613 |
| Memoranda: | ||
| Average total assets | $67,946,330 | 5,639 |
| Average earning assets | $63,678,000 | 5,573 |
| Average equity | $8,532,670 | 5,298 |
| Average total loans | $24,573,000 | 6,091 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 5,105 |
| Cost of funding earning assets | 0.4685% | 4,389 |
| Net interest margin | 3.2482% | 4,738 |
| Noninterest income to average assets | 0.5694% | 3,305 |
| Noninterest expense to average assets | 2.3244% | 5,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1622% | 1,634 |
| Return on assets (ROA) | 1.1622% | 1,740 |
| Pretax return on assets | 1.2972% | 2,241 |
| Return on Equity (ROE) | 9.2034% | 2,393 |
| Retained earnings to average equity (ytd only) | -7.0652% | 6,478 |
| Net charge-offs to loans | -0.0321% | 5,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1815% | 4,982 |
| Assets per employee ($millions) | 3.6094% | 4,762 |
| Cash dividends to net income (ytd only)* | 176.7677% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5100% | 1,105 |
| Loan loss allowance to noncurrent loans | 69.2137% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 3,167 |
| Noncurrent loans to loans | 3.6265% | 1,310 |
| Net loans and leases to total assets | 35.3971% | 6,343 |
| Net loans and leases to deposits | 44.7564% | 6,138 |
| Net loans and leases to core deposits | 52.0878% | 5,818 |
| Total domestic deposits to total assets | 79.0884% | 5,948 |
| Equity capital to assets | 12.4951% | 1,716 |
| Core capital (leverage) ratio | 11.2713% | 2,041 |
| Tier 1 risk-based capital ratio | 27.0032% | 707 |
| Total risk-based capital ratio | 28.2636% | 690 |
| Memoranda: | ||
| Average total assets | $68,146,000 | 5,683 |
| Average earning assets | $64,036,000 | 5,614 |
| Average equity | $8,605,500 | 5,329 |
| Average total loans | $24,908,000 | 6,126 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 5,736 |
| Cost of funding earning assets | 0.5770% | 4,568 |
| Net interest margin | 3.2620% | 5,385 |
| Noninterest income to average assets | 0.5757% | 3,411 |
| Noninterest expense to average assets | 2.3719% | 5,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2109% | 1,567 |
| Return on assets (ROA) | 1.1074% | 2,095 |
| Pretax return on assets | 1.1823% | 2,858 |
| Return on Equity (ROE) | 8.9886% | 2,639 |
| Retained earnings to average equity (ytd only) | 5.0546% | 2,669 |
| Net charge-offs to loans | -0.0198% | 6,552 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7295% | 4,753 |
| Assets per employee ($millions) | 3.5638% | 4,866 |
| Cash dividends to net income (ytd only)* | 43.7666% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5004% | 1,129 |
| Loan loss allowance to noncurrent loans | 248.2072% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 5,332 |
| Noncurrent loans to loans | 1.0074% | 4,180 |
| Net loans and leases to total assets | 35.8764% | 6,441 |
| Net loans and leases to deposits | 44.8268% | 6,320 |
| Net loans and leases to core deposits | 51.6652% | 6,039 |
| Total domestic deposits to total assets | 80.0334% | 5,650 |
| Equity capital to assets | 12.7627% | 1,561 |
| Core capital (leverage) ratio | 11.5226% | 1,861 |
| Tier 1 risk-based capital ratio | 27.9597% | 631 |
| Total risk-based capital ratio | 29.2215% | 613 |
| Memoranda: | ||
| Average total assets | $68,089,600 | 5,672 |
| Average earning assets | $64,469,000 | 5,599 |
| Average equity | $8,388,400 | 5,394 |
| Average total loans | $25,244,000 | 6,179 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 5,879 |
| Cost of funding earning assets | 0.6083% | 4,562 |
| Net interest margin | 3.2540% | 5,534 |
| Noninterest income to average assets | 0.5475% | 3,626 |
| Noninterest expense to average assets | 2.3798% | 5,456 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2231% | 1,659 |
| Return on assets (ROA) | 1.0794% | 2,372 |
| Pretax return on assets | 1.1068% | 3,327 |
| Return on Equity (ROE) | 8.8406% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.5554% | 4,376 |
| Net charge-offs to loans | -0.0210% | 6,506 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5005% | 4,537 |
| Assets per employee ($millions) | 3.6031% | 4,749 |
| Cash dividends to net income (ytd only)* | 59.7829% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4415% | 1,285 |
| Loan loss allowance to noncurrent loans | 236.5019% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 5,492 |
| Noncurrent loans to loans | 1.0323% | 4,381 |
| Net loans and leases to total assets | 36.3049% | 6,533 |
| Net loans and leases to deposits | 45.1095% | 6,452 |
| Net loans and leases to core deposits | 50.5409% | 6,252 |
| Total domestic deposits to total assets | 80.4817% | 5,522 |
| Equity capital to assets | 12.4118% | 1,954 |
| Core capital (leverage) ratio | 11.2784% | 2,155 |
| Tier 1 risk-based capital ratio | 27.0069% | 745 |
| Total risk-based capital ratio | 28.2687% | 725 |
| Memoranda: | ||
| Average total assets | $68,183,750 | 5,740 |
| Average earning assets | $64,658,250 | 5,652 |
| Average equity | $8,325,000 | 5,465 |
| Average total loans | $25,326,000 | 6,257 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 5,998 |
| Cost of funding earning assets | 0.6386% | 4,543 |
| Net interest margin | 3.2271% | 5,656 |
| Noninterest income to average assets | 0.5199% | 3,788 |
| Noninterest expense to average assets | 2.4173% | 5,391 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2366% | 1,594 |
| Return on assets (ROA) | 1.0192% | 2,610 |
| Pretax return on assets | 0.9428% | 3,908 |
| Return on Equity (ROE) | 8.3941% | 3,073 |
| Retained earnings to average equity (ytd only) | 0.4112% | 5,906 |
| Net charge-offs to loans | -0.0158% | 6,382 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5698% | 4,218 |
| Assets per employee ($millions) | 3.6299% | 4,681 |
| Cash dividends to net income (ytd only)* | 95.1009% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4422% | 1,361 |
| Loan loss allowance to noncurrent loans | 196.8254% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 5,399 |
| Noncurrent loans to loans | 1.2408% | 4,068 |
| Net loans and leases to total assets | 35.9103% | 6,612 |
| Net loans and leases to deposits | 44.3734% | 6,533 |
| Net loans and leases to core deposits | 49.9456% | 6,344 |
| Total domestic deposits to total assets | 80.9277% | 5,494 |
| Equity capital to assets | 12.0808% | 2,087 |
| Core capital (leverage) ratio | 10.8565% | 2,431 |
| Tier 1 risk-based capital ratio | 26.2506% | 784 |
| Total risk-based capital ratio | 27.5109% | 771 |
| Memoranda: | ||
| Average total assets | $68,092,000 | 5,779 |
| Average earning assets | $64,516,330 | 5,692 |
| Average equity | $8,267,670 | 5,491 |
| Average total loans | $25,276,000 | 6,302 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 6,043 |
| Cost of funding earning assets | 0.6510% | 4,725 |
| Net interest margin | 3.2364% | 5,680 |
| Noninterest income to average assets | 0.4848% | 4,023 |
| Noninterest expense to average assets | 2.4300% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3540% | 1,307 |
| Return on assets (ROA) | 0.8987% | 3,145 |
| Pretax return on assets | 0.6858% | 4,837 |
| Return on Equity (ROE) | 7.3827% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.9256% | 3,006 |
| Net charge-offs to loans | -0.0159% | 6,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0464% | 4,162 |
| Assets per employee ($millions) | 3.5966% | 4,888 |
| Cash dividends to net income (ytd only)* | 19.7368% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4671% | 1,401 |
| Loan loss allowance to noncurrent loans | 207.0234% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 5,553 |
| Noncurrent loans to loans | 1.1917% | 4,343 |
| Net loans and leases to total assets | 35.8103% | 6,633 |
| Net loans and leases to deposits | 44.3299% | 6,539 |
| Net loans and leases to core deposits | 50.5808% | 6,301 |
| Total domestic deposits to total assets | 80.7814% | 5,658 |
| Equity capital to assets | 12.2777% | 1,866 |
| Core capital (leverage) ratio | 10.9868% | 2,268 |
| Tier 1 risk-based capital ratio | 26.7423% | 749 |
| Total risk-based capital ratio | 28.0046% | 736 |
| Memoranda: | ||
| Average total assets | $67,653,500 | 5,840 |
| Average earning assets | $64,515,500 | 5,741 |
| Average equity | $8,235,500 | 5,522 |
| Average total loans | $25,220,500 | 6,353 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 6,117 |
| Cost of funding earning assets | 0.7904% | 4,934 |
| Net interest margin | 3.3883% | 5,520 |
| Noninterest income to average assets | 0.5331% | 3,629 |
| Noninterest expense to average assets | 2.4575% | 5,614 |
| Loan and lease loss provision to assets | 0.0479% | 5,983 |
| Net operating income to assets | 1.1126% | 1,786 |
| Return on assets (ROA) | 1.0273% | 2,248 |
| Pretax return on assets | 1.1546% | 2,631 |
| Return on Equity (ROE) | 8.8667% | 2,509 |
| Retained earnings to average equity (ytd only) | 0.1422% | 5,773 |
| Net charge-offs to loans | 0.0558% | 5,754 |
| Credit loss provision to net charge-offs | 213.3333% | 1,148 |
| Earnings coverage of net charge-offs (x) | 57.8000% | 494 |
| Efficiency ratio | 65.4306% | 4,877 |
| Assets per employee ($millions) | 3.5248% | 4,954 |
| Cash dividends to net income (ytd only)* | 98.3965% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4378% | 1,400 |
| Loan loss allowance to noncurrent loans | 188.4146% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 5,528 |
| Noncurrent loans to loans | 1.2938% | 4,211 |
| Net loans and leases to total assets | 36.9304% | 6,710 |
| Net loans and leases to deposits | 45.6657% | 6,641 |
| Net loans and leases to core deposits | 54.3642% | 6,276 |
| Total domestic deposits to total assets | 80.8711% | 5,488 |
| Equity capital to assets | 12.0662% | 2,074 |
| Core capital (leverage) ratio | 11.0722% | 2,216 |
| Tier 1 risk-based capital ratio | 26.6134% | 732 |
| Total risk-based capital ratio | 27.8725% | 716 |
| Memoranda: | ||
| Average total assets | $66,775,600 | 5,847 |
| Average earning assets | $63,511,800 | 5,754 |
| Average equity | $7,736,800 | 5,653 |
| Average total loans | $26,876,800 | 6,306 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 6,095 |
| Cost of funding earning assets | 0.8209% | 5,001 |
| Net interest margin | 3.4246% | 5,490 |
| Noninterest income to average assets | 0.5235% | 3,703 |
| Noninterest expense to average assets | 2.4917% | 5,492 |
| Loan and lease loss provision to assets | 0.0639% | 5,652 |
| Net operating income to assets | 1.0803% | 2,044 |
| Return on assets (ROA) | 0.9611% | 2,644 |
| Pretax return on assets | 1.0850% | 3,072 |
| Return on Equity (ROE) | 8.3824% | 2,876 |
| Retained earnings to average equity (ytd only) | -2.9452% | 6,414 |
| Net charge-offs to loans | 0.1272% | 4,772 |
| Credit loss provision to net charge-offs | 123.0769% | 2,623 |
| Earnings coverage of net charge-offs (x) | 24.6894% | 1,072 |
| Efficiency ratio | 66.0138% | 4,714 |
| Assets per employee ($millions) | 3.5126% | 4,960 |
| Cash dividends to net income (ytd only)* | 135.1353% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3605% | 1,602 |
| Loan loss allowance to noncurrent loans | 216.0142% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 5,808 |
| Noncurrent loans to loans | 1.0927% | 4,728 |
| Net loans and leases to total assets | 37.6212% | 6,795 |
| Net loans and leases to deposits | 46.5670% | 6,716 |
| Net loans and leases to core deposits | 55.5057% | 6,347 |
| Total domestic deposits to total assets | 80.7893% | 5,502 |
| Equity capital to assets | 12.0349% | 2,219 |
| Core capital (leverage) ratio | 10.6895% | 2,676 |
| Tier 1 risk-based capital ratio | 25.8164% | 853 |
| Total risk-based capital ratio | 27.0789% | 828 |
| Memoranda: | ||
| Average total assets | $66,726,500 | 5,888 |
| Average earning assets | $63,343,500 | 5,792 |
| Average equity | $7,650,750 | 5,706 |
| Average total loans | $27,258,250 | 6,337 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 6,208 |
| Cost of funding earning assets | 0.8341% | 5,170 |
| Net interest margin | 3.3996% | 5,559 |
| Noninterest income to average assets | 0.5186% | 3,716 |
| Noninterest expense to average assets | 2.4939% | 5,564 |
| Loan and lease loss provision to assets | 0.0959% | 5,129 |
| Net operating income to assets | 1.1161% | 1,826 |
| Return on assets (ROA) | 1.1480% | 1,803 |
| Pretax return on assets | 1.1870% | 2,533 |
| Return on Equity (ROE) | 10.1812% | 2,057 |
| Retained earnings to average equity (ytd only) | -7.0976% | 6,724 |
| Net charge-offs to loans | 0.2232% | 3,783 |
| Credit loss provision to net charge-offs | 103.2258% | 2,995 |
| Earnings coverage of net charge-offs (x) | 13.4516% | 1,544 |
| Efficiency ratio | 66.6133% | 4,757 |
| Assets per employee ($millions) | 3.5680% | 4,759 |
| Cash dividends to net income (ytd only)* | 169.7128% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 1,800 |
| Loan loss allowance to noncurrent loans | 177.0588% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 5,393 |
| Noncurrent loans to loans | 1.2803% | 4,522 |
| Net loans and leases to total assets | 38.2848% | 6,847 |
| Net loans and leases to deposits | 48.3819% | 6,706 |
| Net loans and leases to core deposits | 58.4826% | 6,234 |
| Total domestic deposits to total assets | 79.1303% | 6,054 |
| Equity capital to assets | 11.3701% | 2,625 |
| Core capital (leverage) ratio | 10.6098% | 2,609 |
| Tier 1 risk-based capital ratio | 25.0097% | 903 |
| Total risk-based capital ratio | 26.2707% | 888 |
| Memoranda: | ||
| Average total assets | $66,722,330 | 5,935 |
| Average earning assets | $63,300,670 | 5,845 |
| Average equity | $7,523,670 | 5,760 |
| Average total loans | $27,772,670 | 6,375 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 6,088 |
| Cost of funding earning assets | 0.8637% | 5,181 |
| Net interest margin | 3.4102% | 5,390 |
| Noninterest income to average assets | 0.5076% | 3,825 |
| Noninterest expense to average assets | 2.5443% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1265% | 1,749 |
| Return on assets (ROA) | 1.1724% | 1,645 |
| Pretax return on assets | 1.2329% | 2,259 |
| Return on Equity (ROE) | 10.4420% | 1,938 |
| Retained earnings to average equity (ytd only) | -24.5442% | 7,233 |
| Net charge-offs to loans | -0.0141% | 6,455 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2334% | 4,614 |
| Assets per employee ($millions) | 3.5608% | 4,851 |
| Cash dividends to net income (ytd only)* | 335.0515% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1409% | 2,098 |
| Loan loss allowance to noncurrent loans | 72.5301% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.4263% | 4,135 |
| Noncurrent loans to loans | 2.9517% | 2,547 |
| Net loans and leases to total assets | 40.6719% | 6,733 |
| Net loans and leases to deposits | 49.9446% | 6,628 |
| Net loans and leases to core deposits | 60.1767% | 6,081 |
| Total domestic deposits to total assets | 81.4340% | 5,521 |
| Equity capital to assets | 10.7707% | 2,903 |
| Core capital (leverage) ratio | 10.3408% | 2,769 |
| Tier 1 risk-based capital ratio | 23.2810% | 1,053 |
| Total risk-based capital ratio | 24.5407% | 1,036 |
| Memoranda: | ||
| Average total assets | $66,187,500 | 5,988 |
| Average earning assets | $62,518,500 | 5,918 |
| Average equity | $7,431,500 | 5,794 |
| Average total loans | $28,381,000 | 6,400 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 6,040 |
| Cost of funding earning assets | 1.1504% | 4,846 |
| Net interest margin | 3.4745% | 5,346 |
| Noninterest income to average assets | 0.6694% | 3,022 |
| Noninterest expense to average assets | 2.6589% | 5,183 |
| Loan and lease loss provision to assets | 0.1037% | 6,105 |
| Net operating income to assets | 1.0851% | 1,740 |
| Return on assets (ROA) | 1.1660% | 1,573 |
| Pretax return on assets | 1.2698% | 2,018 |
| Return on Equity (ROE) | 10.1647% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.1647% | 494 |
| Net charge-offs to loans | 0.2548% | 4,759 |
| Credit loss provision to net charge-offs | 85.7143% | 5,304 |
| Earnings coverage of net charge-offs (x) | 10.6234% | 1,686 |
| Efficiency ratio | 67.4104% | 4,685 |
| Assets per employee ($millions) | 3.4063% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0982% | 2,077 |
| Loan loss allowance to noncurrent loans | 65.2552% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.6842% | 3,775 |
| Noncurrent loans to loans | 3.2154% | 2,362 |
| Net loans and leases to total assets | 43.3289% | 6,764 |
| Net loans and leases to deposits | 54.0298% | 6,606 |
| Net loans and leases to core deposits | 62.4613% | 6,199 |
| Total domestic deposits to total assets | 80.1944% | 5,776 |
| Equity capital to assets | 11.7060% | 2,121 |
| Core capital (leverage) ratio | 11.5415% | 1,813 |
| Tier 1 risk-based capital ratio | 24.8687% | 858 |
| Total risk-based capital ratio | 26.1278% | 835 |
| Memoranda: | ||
| Average total assets | $63,634,400 | 6,070 |
| Average earning assets | $59,980,000 | 5,998 |
| Average equity | $7,299,800 | 5,934 |
| Average total loans | $30,215,200 | 6,385 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 6,126 |
| Cost of funding earning assets | 1.2133% | 4,780 |
| Net interest margin | 3.4566% | 5,466 |
| Noninterest income to average assets | 0.6628% | 3,055 |
| Noninterest expense to average assets | 2.6387% | 5,160 |
| Loan and lease loss provision to assets | 0.1389% | 5,639 |
| Net operating income to assets | 1.0417% | 2,097 |
| Return on assets (ROA) | 1.1489% | 1,840 |
| Pretax return on assets | 1.2583% | 2,305 |
| Return on Equity (ROE) | 10.0678% | 2,097 |
| Retained earnings to average equity (ytd only) | 10.0678% | 777 |
| Net charge-offs to loans | 0.1307% | 5,250 |
| Credit loss provision to net charge-offs | 220.0000% | 1,567 |
| Earnings coverage of net charge-offs (x) | 20.2663% | 1,175 |
| Efficiency ratio | 67.3469% | 4,598 |
| Assets per employee ($millions) | 3.4737% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1631% | 1,869 |
| Loan loss allowance to noncurrent loans | 54.1667% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.0985% | 3,340 |
| Noncurrent loans to loans | 3.9935% | 1,879 |
| Net loans and leases to total assets | 44.5439% | 6,804 |
| Net loans and leases to deposits | 55.5967% | 6,640 |
| Net loans and leases to core deposits | 65.0118% | 6,208 |
| Total domestic deposits to total assets | 80.1197% | 5,665 |
| Equity capital to assets | 11.7000% | 2,360 |
| Core capital (leverage) ratio | 11.0822% | 2,204 |
| Tier 1 risk-based capital ratio | 23.8476% | 964 |
| Total risk-based capital ratio | 25.1078% | 939 |
| Memoranda: | ||
| Average total assets | $63,363,250 | 6,150 |
| Average earning assets | $59,672,500 | 6,071 |
| Average equity | $7,230,750 | 6,034 |
| Average total loans | $30,608,250 | 6,452 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 5,946 |
| Cost of funding earning assets | 1.2716% | 4,706 |
| Net interest margin | 3.4849% | 5,303 |
| Noninterest income to average assets | 0.6786% | 2,827 |
| Noninterest expense to average assets | 2.6503% | 5,125 |
| Loan and lease loss provision to assets | 0.2113% | 4,767 |
| Net operating income to assets | 1.0403% | 2,047 |
| Return on assets (ROA) | 1.1011% | 1,923 |
| Pretax return on assets | 1.1619% | 2,548 |
| Return on Equity (ROE) | 9.7354% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.7354% | 904 |
| Net charge-offs to loans | 0.3767% | 3,477 |
| Credit loss provision to net charge-offs | 113.7931% | 3,575 |
| Earnings coverage of net charge-offs (x) | 7.0517% | 2,365 |
| Efficiency ratio | 66.9361% | 4,777 |
| Assets per employee ($millions) | 3.3862% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0151% | 2,138 |
| Loan loss allowance to noncurrent loans | 54.6655% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 2.2040% | 3,253 |
| Noncurrent loans to loans | 3.6863% | 2,123 |
| Net loans and leases to total assets | 46.9341% | 6,713 |
| Net loans and leases to deposits | 58.3272% | 6,554 |
| Net loans and leases to core deposits | 69.2632% | 5,944 |
| Total domestic deposits to total assets | 80.4669% | 5,571 |
| Equity capital to assets | 11.2641% | 2,622 |
| Core capital (leverage) ratio | 11.0046% | 2,242 |
| Tier 1 risk-based capital ratio | 23.4028% | 1,008 |
| Total risk-based capital ratio | 24.6317% | 988 |
| Memoranda: | ||
| Average total assets | $62,484,330 | 6,215 |
| Average earning assets | $58,825,000 | 6,147 |
| Average equity | $7,067,000 | 6,115 |
| Average total loans | $30,794,670 | 6,486 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 6,182 |
| Cost of funding earning assets | 1.3519% | 4,480 |
| Net interest margin | 3.3660% | 5,726 |
| Noninterest income to average assets | 0.6303% | 3,078 |
| Noninterest expense to average assets | 2.6901% | 4,952 |
| Loan and lease loss provision to assets | 0.4289% | 2,814 |
| Net operating income to assets | 0.7408% | 3,259 |
| Return on assets (ROA) | 0.8707% | 2,753 |
| Pretax return on assets | 0.8122% | 3,815 |
| Return on Equity (ROE) | 7.6824% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.6824% | 1,849 |
| Net charge-offs to loans | 0.8316% | 1,869 |
| Credit loss provision to net charge-offs | 103.1250% | 3,316 |
| Earnings coverage of net charge-offs (x) | 2.6719% | 3,201 |
| Efficiency ratio | 70.7692% | 4,162 |
| Assets per employee ($millions) | 3.7455% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 2,073 |
| Loan loss allowance to noncurrent loans | 56.5138% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.2175% | 3,255 |
| Noncurrent loans to loans | 3.6178% | 2,199 |
| Net loans and leases to total assets | 46.3502% | 6,810 |
| Net loans and leases to deposits | 57.5583% | 6,649 |
| Net loans and leases to core deposits | 64.7655% | 6,398 |
| Total domestic deposits to total assets | 80.5274% | 5,609 |
| Equity capital to assets | 11.1474% | 2,636 |
| Core capital (leverage) ratio | 10.6712% | 2,469 |
| Tier 1 risk-based capital ratio | 23.0241% | 1,078 |
| Total risk-based capital ratio | 24.3080% | 1,044 |
| Memoranda: | ||
| Average total assets | $61,558,000 | 6,323 |
| Average earning assets | $57,991,500 | 6,245 |
| Average equity | $6,977,000 | 6,197 |
| Average total loans | $30,783,500 | 6,576 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 5,226 |
| Cost of funding earning assets | 1.6861% | 4,587 |
| Net interest margin | 3.6041% | 4,536 |
| Noninterest income to average assets | 0.8485% | 2,186 |
| Noninterest expense to average assets | 2.8590% | 4,701 |
| Loan and lease loss provision to assets | 0.5715% | 3,518 |
| Net operating income to assets | 0.7782% | 2,609 |
| Return on assets (ROA) | 0.8781% | 2,314 |
| Pretax return on assets | 0.9356% | 2,811 |
| Return on Equity (ROE) | 7.8750% | 2,425 |
| Retained earnings to average equity (ytd only) | 7.8750% | 736 |
| Net charge-offs to loans | 0.6934% | 3,105 |
| Credit loss provision to net charge-offs | 142.6087% | 3,384 |
| Earnings coverage of net charge-offs (x) | 3.4957% | 3,320 |
| Efficiency ratio | 67.1166% | 5,161 |
| Assets per employee ($millions) | 3.1285% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 2,136 |
| Loan loss allowance to noncurrent loans | 81.1096% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.5225% | 4,094 |
| Noncurrent loans to loans | 2.4079% | 3,149 |
| Net loans and leases to total assets | 51.8556% | 6,439 |
| Net loans and leases to deposits | 67.5609% | 5,880 |
| Net loans and leases to core deposits | 82.7623% | 5,843 |
| Total domestic deposits to total assets | 76.7538% | 6,544 |
| Equity capital to assets | 11.5339% | 2,297 |
| Core capital (leverage) ratio | 11.8652% | 1,729 |
| Tier 1 risk-based capital ratio | 23.2286% | 1,020 |
| Total risk-based capital ratio | 24.5080% | 996 |
| Memoranda: | ||
| Average total assets | $57,397,200 | 6,451 |
| Average earning assets | $54,327,400 | 6,361 |
| Average equity | $6,400,000 | 6,460 |
| Average total loans | $33,168,600 | 6,454 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 5,403 |
| Cost of funding earning assets | 1.7580% | 4,603 |
| Net interest margin | 3.5457% | 4,686 |
| Noninterest income to average assets | 0.8953% | 1,998 |
| Noninterest expense to average assets | 2.9415% | 4,269 |
| Loan and lease loss provision to assets | 0.7617% | 2,466 |
| Net operating income to assets | 0.5789% | 3,683 |
| Return on assets (ROA) | 0.6914% | 3,295 |
| Pretax return on assets | 0.6610% | 3,984 |
| Return on Equity (ROE) | 6.2571% | 3,411 |
| Retained earnings to average equity (ytd only) | 6.2571% | 1,823 |
| Net charge-offs to loans | 0.9047% | 2,163 |
| Credit loss provision to net charge-offs | 142.5439% | 3,436 |
| Earnings coverage of net charge-offs (x) | 2.4518% | 4,007 |
| Efficiency ratio | 69.1841% | 4,749 |
| Assets per employee ($millions) | 3.0831% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 1,993 |
| Loan loss allowance to noncurrent loans | 57.3433% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.0793% | 3,237 |
| Noncurrent loans to loans | 3.3401% | 2,264 |
| Net loans and leases to total assets | 53.5901% | 6,436 |
| Net loans and leases to deposits | 67.3648% | 6,184 |
| Net loans and leases to core deposits | 82.1587% | 6,173 |
| Total domestic deposits to total assets | 79.5521% | 5,610 |
| Equity capital to assets | 11.4702% | 2,615 |
| Core capital (leverage) ratio | 11.1579% | 2,297 |
| Tier 1 risk-based capital ratio | 22.7992% | 1,132 |
| Total risk-based capital ratio | 24.0533% | 1,100 |
| Memoranda: | ||
| Average total assets | $56,886,000 | 6,509 |
| Average earning assets | $53,848,250 | 6,427 |
| Average equity | $6,286,000 | 6,562 |
| Average total loans | $33,601,250 | 6,473 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 5,837 |
| Cost of funding earning assets | 1.8148% | 4,687 |
| Net interest margin | 3.4417% | 5,020 |
| Noninterest income to average assets | 0.9588% | 1,732 |
| Noninterest expense to average assets | 2.9189% | 4,434 |
| Loan and lease loss provision to assets | 1.1541% | 1,488 |
| Net operating income to assets | 0.2095% | 5,231 |
| Return on assets (ROA) | 0.4048% | 4,606 |
| Pretax return on assets | 0.3338% | 5,117 |
| Return on Equity (ROE) | 3.7123% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.7123% | 3,229 |
| Net charge-offs to loans | 1.3242% | 1,396 |
| Credit loss provision to net charge-offs | 143.8053% | 3,225 |
| Earnings coverage of net charge-offs (x) | 1.6106% | 4,333 |
| Efficiency ratio | 69.3086% | 4,918 |
| Assets per employee ($millions) | 2.9734% | 6,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 1,789 |
| Loan loss allowance to noncurrent loans | 50.7426% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 2.5790% | 2,500 |
| Noncurrent loans to loans | 3.7456% | 1,849 |
| Net loans and leases to total assets | 56.1883% | 6,186 |
| Net loans and leases to deposits | 69.5813% | 6,033 |
| Net loans and leases to core deposits | 77.7595% | 6,556 |
| Total domestic deposits to total assets | 80.7519% | 5,172 |
| Equity capital to assets | 11.0844% | 2,845 |
| Core capital (leverage) ratio | 11.0951% | 2,334 |
| Tier 1 risk-based capital ratio | 22.4282% | 1,195 |
| Total risk-based capital ratio | 23.6903% | 1,165 |
| Memoranda: | ||
| Average total assets | $56,322,000 | 6,576 |
| Average earning assets | $53,229,670 | 6,507 |
| Average equity | $6,141,670 | 6,668 |
| Average total loans | $34,133,330 | 6,494 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 6,492 |
| Cost of funding earning assets | 1.8922% | 4,662 |
| Net interest margin | 3.2566% | 5,669 |
| Noninterest income to average assets | 0.8322% | 2,166 |
| Noninterest expense to average assets | 2.7882% | 4,600 |
| Loan and lease loss provision to assets | 2.2406% | 526 |
| Net operating income to assets | -0.5875% | 6,956 |
| Return on assets (ROA) | -0.4054% | 6,860 |
| Pretax return on assets | -0.8393% | 7,057 |
| Return on Equity (ROE) | -3.7491% | 6,865 |
| Retained earnings to average equity (ytd only) | -3.7491% | 6,391 |
| Net charge-offs to loans | 2.4328% | 586 |
| Credit loss provision to net charge-offs | 147.8873% | 2,817 |
| Earnings coverage of net charge-offs (x) | 0.7371% | 4,433 |
| Efficiency ratio | 71.4026% | 4,290 |
| Assets per employee ($millions) | 2.9520% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 1,768 |
| Loan loss allowance to noncurrent loans | 61.5538% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.3356% | 2,452 |
| Noncurrent loans to loans | 2.9846% | 2,190 |
| Net loans and leases to total assets | 58.8736% | 5,822 |
| Net loans and leases to deposits | 72.8828% | 5,629 |
| Net loans and leases to core deposits | 81.7089% | 6,254 |
| Total domestic deposits to total assets | 80.7784% | 5,051 |
| Equity capital to assets | 10.9310% | 3,031 |
| Core capital (leverage) ratio | 10.7754% | 2,679 |
| Tier 1 risk-based capital ratio | 21.6374% | 1,349 |
| Total risk-based capital ratio | 22.9141% | 1,312 |
| Memoranda: | ||
| Average total assets | $56,236,000 | 6,622 |
| Average earning assets | $53,061,000 | 6,538 |
| Average equity | $6,081,500 | 6,731 |
| Average total loans | $35,021,000 | 6,495 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1569% | 4,746 |
| Cost of funding earning assets | 2.3565% | 4,904 |
| Net interest margin | 3.8003% | 4,016 |
| Noninterest income to average assets | 0.7127% | 3,037 |
| Noninterest expense to average assets | 2.7262% | 5,149 |
| Loan and lease loss provision to assets | 0.0860% | 6,308 |
| Net operating income to assets | 1.5729% | 883 |
| Return on assets (ROA) | 0.6899% | 3,772 |
| Pretax return on assets | 0.6355% | 4,584 |
| Return on Equity (ROE) | 6.2796% | 3,833 |
| Retained earnings to average equity (ytd only) | -2.5086% | 5,995 |
| Net charge-offs to loans | 0.0718% | 5,737 |
| Credit loss provision to net charge-offs | 175.0000% | 2,906 |
| Earnings coverage of net charge-offs (x) | 32.6429% | 1,103 |
| Efficiency ratio | 62.9510% | 5,788 |
| Assets per employee ($millions) | 3.5240% | 4,610 |
| Cash dividends to net income (ytd only)* | 139.9491% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 3,101 |
| Loan loss allowance to noncurrent loans | 44.1781% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 2.0715% | 2,378 |
| Noncurrent loans to loans | 3.2085% | 1,638 |
| Net loans and leases to total assets | 63.6475% | 5,348 |
| Net loans and leases to deposits | 77.6204% | 5,387 |
| Net loans and leases to core deposits | 86.7611% | 6,081 |
| Total domestic deposits to total assets | 81.9984% | 4,202 |
| Equity capital to assets | 10.6981% | 3,300 |
| Core capital (leverage) ratio | 10.3139% | 3,163 |
| Tier 1 risk-based capital ratio | 20.1318% | 1,595 |
| Total risk-based capital ratio | 21.3874% | 1,560 |
| Memoranda: | ||
| Average total assets | $56,964,800 | 6,493 |
| Average earning assets | $54,232,200 | 6,400 |
| Average equity | $6,258,400 | 6,710 |
| Average total loans | $38,973,200 | 6,226 |