Home > Iroquois Farmers State Bank > Performance and Condition Ratios
Iroquois Farmers State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 3,829 |
| Cost of funding earning assets | 1.2965% | 3,600 |
| Net interest margin | 3.2516% | 2,887 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 1.9074% | 3,717 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 1.1532% | 1,851 |
| Return on assets (ROA) | 1.1532% | 1,854 |
| Pretax return on assets | 1.2603% | 2,085 |
| Return on Equity (ROE) | 14.9300% | 1,086 |
| Retained earnings to average equity (ytd only) | 11.4020% | 879 |
| Net charge-offs to loans | 0.0236% | 1,518 |
| Credit loss provision to net charge-offs | 166.6667% | 981 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 758 |
| Efficiency ratio | 59.7561% | 2,994 |
| Assets per employee ($millions) | 7.8281% | 1,689 |
| Cash dividends to net income (ytd only)* | 23.6287% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4043% | 4,308 |
| Loan loss allowance to noncurrent loans | 67.2850% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 1,792 |
| Noncurrent loans to loans | 0.6008% | 1,643 |
| Net loans and leases to total assets | 59.7900% | 2,894 |
| Net loans and leases to deposits | 65.4375% | 3,166 |
| Net loans and leases to core deposits | 73.2932% | 3,114 |
| Total domestic deposits to total assets | 91.3700% | 429 |
| Equity capital to assets | 7.9682% | 3,608 |
| Core capital (leverage) ratio | 8.6459% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1705% | 2,150 |
| Memoranda: | ||
| Average total assets | $164,409,500 | 3,265 |
| Average earning assets | $155,495,000 | 3,241 |
| Average equity | $12,699,500 | 3,561 |
| Average total loans | $101,819,500 | 3,203 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 4,009 |
| Cost of funding earning assets | 1.5615% | 3,254 |
| Net interest margin | 2.8126% | 3,464 |
| Noninterest income to average assets | 0.3100% | 3,001 |
| Noninterest expense to average assets | 1.8316% | 3,911 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.1055% | 1,729 |
| Return on assets (ROA) | 0.8976% | 2,395 |
| Pretax return on assets | 0.9019% | 2,800 |
| Return on Equity (ROE) | 13.4500% | 1,260 |
| Retained earnings to average equity (ytd only) | 11.2844% | 395 |
| Net charge-offs to loans | 0.0275% | 2,027 |
| Credit loss provision to net charge-offs | 171.4286% | 1,266 |
| Earnings coverage of net charge-offs (x) | 65.9643% | 1,049 |
| Efficiency ratio | 61.6487% | 2,991 |
| Assets per employee ($millions) | 7.8299% | 1,637 |
| Cash dividends to net income (ytd only)* | 16.0825% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3764% | 4,336 |
| Loan loss allowance to noncurrent loans | 68.1034% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 1,764 |
| Noncurrent loans to loans | 0.5527% | 1,694 |
| Net loans and leases to total assets | 63.5800% | 2,608 |
| Net loans and leases to deposits | 69.1638% | 3,010 |
| Net loans and leases to core deposits | 82.3637% | 2,607 |
| Total domestic deposits to total assets | 91.9300% | 318 |
| Equity capital to assets | 7.4805% | 3,774 |
| Core capital (leverage) ratio | 8.3177% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1886% | 2,472 |
| Memoranda: | ||
| Average total assets | $162,094,600 | 3,266 |
| Average earning assets | $153,632,000 | 3,221 |
| Average equity | $10,820,200 | 3,693 |
| Average total loans | $101,996,800 | 3,194 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 4,098 |
| Cost of funding earning assets | 1.5242% | 3,310 |
| Net interest margin | 2.7413% | 3,539 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 1.8203% | 3,895 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.1268% | 1,689 |
| Return on assets (ROA) | 0.8635% | 2,509 |
| Pretax return on assets | 0.8635% | 2,892 |
| Return on Equity (ROE) | 13.3500% | 1,287 |
| Retained earnings to average equity (ytd only) | 11.1765% | 623 |
| Net charge-offs to loans | 0.0342% | 1,640 |
| Credit loss provision to net charge-offs | 96.1538% | 1,717 |
| Earnings coverage of net charge-offs (x) | 53.4615% | 1,166 |
| Efficiency ratio | 61.3352% | 3,020 |
| Assets per employee ($millions) | 6.6276% | 2,415 |
| Cash dividends to net income (ytd only)* | 16.2524% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3514% | 4,382 |
| Loan loss allowance to noncurrent loans | 76.3265% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 1,828 |
| Noncurrent loans to loans | 0.4604% | 1,935 |
| Net loans and leases to total assets | 66.6700% | 2,249 |
| Net loans and leases to deposits | 75.5154% | 2,566 |
| Net loans and leases to core deposits | 84.4646% | 2,533 |
| Total domestic deposits to total assets | 88.2900% | 1,158 |
| Equity capital to assets | 7.6800% | 3,887 |
| Core capital (leverage) ratio | 8.3006% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3072% | 2,722 |
| Memoranda: | ||
| Average total assets | $161,511,250 | 3,267 |
| Average earning assets | $153,258,250 | 3,233 |
| Average equity | $10,450,250 | 3,734 |
| Average total loans | $101,259,750 | 3,200 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 4,148 |
| Cost of funding earning assets | 1.4651% | 3,356 |
| Net interest margin | 2.7176% | 3,555 |
| Noninterest income to average assets | 0.1400% | 4,045 |
| Noninterest expense to average assets | 1.8198% | 3,904 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.8945% | 2,327 |
| Return on assets (ROA) | 0.7454% | 2,813 |
| Pretax return on assets | 0.7380% | 3,142 |
| Return on Equity (ROE) | 12.2700% | 1,548 |
| Retained earnings to average equity (ytd only) | 12.2697% | 514 |
| Net charge-offs to loans | 0.0040% | 2,322 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 365.0000% | 332 |
| Efficiency ratio | 66.9234% | 2,445 |
| Assets per employee ($millions) | 5.8377% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3848% | 4,389 |
| Loan loss allowance to noncurrent loans | 77.5304% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 1,744 |
| Noncurrent loans to loans | 0.4963% | 1,766 |
| Net loans and leases to total assets | 62.9000% | 2,665 |
| Net loans and leases to deposits | 68.2937% | 3,107 |
| Net loans and leases to core deposits | 77.0415% | 2,984 |
| Total domestic deposits to total assets | 92.1000% | 255 |
| Equity capital to assets | 6.5805% | 4,078 |
| Core capital (leverage) ratio | 8.0209% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0760% | 2,548 |
| Memoranda: | ||
| Average total assets | $162,327,333 | 3,265 |
| Average earning assets | $154,252,000 | 3,231 |
| Average equity | $9,861,667 | 3,778 |
| Average total loans | $99,539,333 | 3,220 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0640% | 4,209 |
| Cost of funding earning assets | 1.4066% | 3,384 |
| Net interest margin | 2.6575% | 3,643 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 1.8776% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7918% | 2,567 |
| Return on assets (ROA) | 0.7918% | 2,581 |
| Pretax return on assets | 0.7627% | 3,012 |
| Return on Equity (ROE) | 13.5700% | 1,225 |
| Retained earnings to average equity (ytd only) | 13.5741% | 544 |
| Net charge-offs to loans | 0.0080% | 1,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 497 |
| Efficiency ratio | 71.1132% | 2,030 |
| Assets per employee ($millions) | 5.9578% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3795% | 4,380 |
| Loan loss allowance to noncurrent loans | 78.1971% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 1,734 |
| Noncurrent loans to loans | 0.4853% | 1,713 |
| Net loans and leases to total assets | 60.8700% | 2,777 |
| Net loans and leases to deposits | 67.6821% | 3,056 |
| Net loans and leases to core deposits | 73.4005% | 3,139 |
| Total domestic deposits to total assets | 89.9400% | 817 |
| Equity capital to assets | 6.0649% | 4,184 |
| Core capital (leverage) ratio | 7.5848% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1611% | 2,777 |
| Memoranda: | ||
| Average total assets | $164,682,500 | 3,256 |
| Average earning assets | $156,691,500 | 3,216 |
| Average equity | $9,606,500 | 3,810 |
| Average total loans | $99,545,500 | 3,225 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 4,100 |
| Cost of funding earning assets | 1.3298% | 2,429 |
| Net interest margin | 2.5512% | 4,034 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.8060% | 3,998 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.7598% | 3,015 |
| Return on assets (ROA) | 0.7598% | 2,988 |
| Pretax return on assets | 0.7616% | 3,309 |
| Return on Equity (ROE) | 15.2300% | 1,244 |
| Retained earnings to average equity (ytd only) | 7.3757% | 1,765 |
| Net charge-offs to loans | 0.0781% | 1,084 |
| Credit loss provision to net charge-offs | -27.0270% | 4,443 |
| Earnings coverage of net charge-offs (x) | 16.5135% | 2,002 |
| Efficiency ratio | 70.6743% | 1,798 |
| Assets per employee ($millions) | 6.2409% | 2,598 |
| Cash dividends to net income (ytd only)* | 51.5738% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3720% | 4,399 |
| Loan loss allowance to noncurrent loans | 73.8189% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 1,566 |
| Noncurrent loans to loans | 0.5040% | 1,522 |
| Net loans and leases to total assets | 59.6000% | 2,880 |
| Net loans and leases to deposits | 65.1204% | 3,228 |
| Net loans and leases to core deposits | 77.9445% | 2,840 |
| Total domestic deposits to total assets | 91.5200% | 384 |
| Equity capital to assets | 5.6123% | 4,318 |
| Core capital (leverage) ratio | 7.2734% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2806% | 2,768 |
| Memoranda: | ||
| Average total assets | $163,071,800 | 3,250 |
| Average earning assets | $154,986,800 | 3,212 |
| Average equity | $8,134,800 | 3,911 |
| Average total loans | $94,761,000 | 3,233 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 4,087 |
| Cost of funding earning assets | 1.2580% | 2,263 |
| Net interest margin | 2.5716% | 4,063 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.8048% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7882% | 3,062 |
| Return on assets (ROA) | 0.7882% | 3,059 |
| Pretax return on assets | 0.7833% | 3,372 |
| Return on Equity (ROE) | 16.3300% | 1,193 |
| Retained earnings to average equity (ytd only) | 5.3986% | 2,807 |
| Net charge-offs to loans | 0.1015% | 776 |
| Credit loss provision to net charge-offs | -7.0423% | 4,465 |
| Earnings coverage of net charge-offs (x) | 13.3099% | 2,040 |
| Efficiency ratio | 69.8468% | 1,801 |
| Assets per employee ($millions) | 6.1931% | 2,574 |
| Cash dividends to net income (ytd only)* | 66.9456% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3975% | 4,410 |
| Loan loss allowance to noncurrent loans | 79.3939% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 1,607 |
| Noncurrent loans to loans | 0.5007% | 1,563 |
| Net loans and leases to total assets | 58.8900% | 2,948 |
| Net loans and leases to deposits | 62.1532% | 3,396 |
| Net loans and leases to core deposits | 78.5023% | 2,719 |
| Total domestic deposits to total assets | 94.7500% | 137 |
| Equity capital to assets | 4.6946% | 4,301 |
| Core capital (leverage) ratio | 7.1809% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3500% | 2,892 |
| Memoranda: | ||
| Average total assets | $161,713,500 | 3,270 |
| Average earning assets | $153,675,500 | 3,231 |
| Average equity | $7,804,250 | 3,952 |
| Average total loans | $93,251,000 | 3,257 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,062 |
| Cost of funding earning assets | 1.1375% | 2,173 |
| Net interest margin | 2.6261% | 4,080 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.7763% | 4,044 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8569% | 2,898 |
| Return on assets (ROA) | 0.8569% | 2,898 |
| Pretax return on assets | 0.8369% | 3,311 |
| Return on Equity (ROE) | 17.5900% | 1,002 |
| Retained earnings to average equity (ytd only) | 5.0327% | 2,930 |
| Net charge-offs to loans | 0.0722% | 847 |
| Credit loss provision to net charge-offs | 66.6667% | 1,605 |
| Earnings coverage of net charge-offs (x) | 20.9394% | 1,732 |
| Efficiency ratio | 67.2667% | 2,069 |
| Assets per employee ($millions) | 5.9833% | 2,723 |
| Cash dividends to net income (ytd only)* | 71.3869% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4873% | 4,385 |
| Loan loss allowance to noncurrent loans | 99.3492% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 1,522 |
| Noncurrent loans to loans | 0.4905% | 1,489 |
| Net loans and leases to total assets | 57.8900% | 2,972 |
| Net loans and leases to deposits | 61.2382% | 3,350 |
| Net loans and leases to core deposits | 81.4589% | 2,372 |
| Total domestic deposits to total assets | 94.5300% | 118 |
| Equity capital to assets | 4.8803% | 4,396 |
| Core capital (leverage) ratio | 7.1164% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6829% | 2,888 |
| Memoranda: | ||
| Average total assets | $159,879,667 | 3,299 |
| Average earning assets | $152,087,000 | 3,254 |
| Average equity | $7,789,000 | 3,973 |
| Average total loans | $91,377,667 | 3,280 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 4,145 |
| Cost of funding earning assets | 0.9831% | 2,104 |
| Net interest margin | 2.6270% | 4,177 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.7479% | 4,120 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.9456% | 2,699 |
| Return on assets (ROA) | 0.9456% | 2,660 |
| Pretax return on assets | 0.8803% | 3,289 |
| Return on Equity (ROE) | 19.4300% | 821 |
| Retained earnings to average equity (ytd only) | 4.9603% | 3,025 |
| Net charge-offs to loans | 0.1510% | 454 |
| Credit loss provision to net charge-offs | 26.4706% | 1,364 |
| Earnings coverage of net charge-offs (x) | 10.5588% | 1,659 |
| Efficiency ratio | 65.9393% | 2,213 |
| Assets per employee ($millions) | 6.1743% | 2,606 |
| Cash dividends to net income (ytd only)* | 74.4681% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4972% | 4,438 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 1,463 |
| Noncurrent loans to loans | 0.5387% | 1,376 |
| Net loans and leases to total assets | 53.3000% | 3,255 |
| Net loans and leases to deposits | 56.3296% | 3,553 |
| Net loans and leases to core deposits | 71.3648% | 2,859 |
| Total domestic deposits to total assets | 94.6200% | 121 |
| Equity capital to assets | 4.8403% | 4,442 |
| Core capital (leverage) ratio | 7.0539% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9205% | 2,956 |
| Memoranda: | ||
| Average total assets | $159,045,000 | 3,347 |
| Average earning assets | $151,350,500 | 3,307 |
| Average equity | $7,741,500 | 4,026 |
| Average total loans | $90,076,000 | 3,332 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9296% | 4,215 |
| Cost of funding earning assets | 0.2895% | 2,964 |
| Net interest margin | 2.6402% | 4,123 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.7798% | 4,051 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8069% | 3,304 |
| Return on assets (ROA) | 0.7976% | 3,261 |
| Pretax return on assets | 0.8602% | 3,457 |
| Return on Equity (ROE) | 14.0800% | 1,512 |
| Retained earnings to average equity (ytd only) | 3.0013% | 3,720 |
| Net charge-offs to loans | 0.0062% | 2,193 |
| Credit loss provision to net charge-offs | 1,160.0000% | 392 |
| Earnings coverage of net charge-offs (x) | 272.6000% | 525 |
| Efficiency ratio | 66.1954% | 2,208 |
| Assets per employee ($millions) | 5.8225% | 2,928 |
| Cash dividends to net income (ytd only)* | 78.6789% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5162% | 4,418 |
| Loan loss allowance to noncurrent loans | 91.0680% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 1,249 |
| Noncurrent loans to loans | 0.5668% | 1,314 |
| Net loans and leases to total assets | 59.7100% | 2,659 |
| Net loans and leases to deposits | 63.0921% | 3,109 |
| Net loans and leases to core deposits | 69.2446% | 2,928 |
| Total domestic deposits to total assets | 94.6300% | 182 |
| Equity capital to assets | 4.8975% | 4,385 |
| Core capital (leverage) ratio | 7.4934% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8656% | 2,984 |
| Memoranda: | ||
| Average total assets | $149,958,200 | 3,443 |
| Average earning assets | $142,338,400 | 3,396 |
| Average equity | $8,496,200 | 4,048 |
| Average total loans | $80,609,600 | 3,409 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7556% | 4,239 |
| Cost of funding earning assets | 0.1267% | 4,060 |
| Net interest margin | 2.6289% | 4,056 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.7593% | 4,057 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8261% | 3,153 |
| Return on assets (ROA) | 0.8137% | 3,164 |
| Pretax return on assets | 0.8725% | 3,409 |
| Return on Equity (ROE) | 13.8900% | 1,459 |
| Retained earnings to average equity (ytd only) | 3.3915% | 3,673 |
| Net charge-offs to loans | 0.0102% | 1,737 |
| Credit loss provision to net charge-offs | 750.0000% | 488 |
| Earnings coverage of net charge-offs (x) | 173.1667% | 678 |
| Efficiency ratio | 65.5161% | 2,342 |
| Assets per employee ($millions) | 5.7715% | 2,966 |
| Cash dividends to net income (ytd only)* | 75.5750% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5186% | 4,455 |
| Loan loss allowance to noncurrent loans | 110.4369% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 1,549 |
| Noncurrent loans to loans | 0.4696% | 1,625 |
| Net loans and leases to total assets | 58.1600% | 2,679 |
| Net loans and leases to deposits | 65.2011% | 2,775 |
| Net loans and leases to core deposits | 69.4009% | 2,690 |
| Total domestic deposits to total assets | 89.2000% | 2,002 |
| Equity capital to assets | 4.7328% | 4,344 |
| Core capital (leverage) ratio | 8.1451% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7285% | 2,885 |
| Memoranda: | ||
| Average total assets | $149,601,750 | 3,474 |
| Average earning assets | $142,057,250 | 3,422 |
| Average equity | $8,766,750 | 4,062 |
| Average total loans | $78,048,000 | 3,452 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5837% | 4,290 |
| Cost of funding earning assets | 0.1000% | 4,190 |
| Net interest margin | 2.4837% | 4,108 |
| Noninterest income to average assets | 0.1820% | 4,095 |
| Noninterest expense to average assets | 1.7370% | 4,079 |
| Loan and lease loss provision to assets | 0.0268% | 2,115 |
| Net operating income to assets | 0.7280% | 3,216 |
| Return on assets (ROA) | 0.7280% | 3,170 |
| Pretax return on assets | 0.7789% | 3,377 |
| Return on Equity (ROE) | 11.6717% | 1,765 |
| Retained earnings to average equity (ytd only) | 2.0168% | 3,748 |
| Net charge-offs to loans | 0.0134% | 1,516 |
| Credit loss provision to net charge-offs | 400.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 120.4000% | 733 |
| Efficiency ratio | 68.3158% | 2,196 |
| Assets per employee ($millions) | 5.7529% | 2,976 |
| Cash dividends to net income (ytd only)* | 82.7206% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5536% | 4,503 |
| Loan loss allowance to noncurrent loans | 137.6997% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 1,876 |
| Noncurrent loans to loans | 0.4020% | 1,924 |
| Net loans and leases to total assets | 51.7620% | 3,185 |
| Net loans and leases to deposits | 54.9392% | 3,471 |
| Net loans and leases to core deposits | 56.3080% | 3,540 |
| Total domestic deposits to total assets | 94.2169% | 251 |
| Equity capital to assets | 5.4341% | 4,385 |
| Core capital (leverage) ratio | 7.5559% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1539% | 2,769 |
| Memoranda: | ||
| Average total assets | $149,449,667 | 3,506 |
| Average earning assets | $142,044,000 | 3,475 |
| Average equity | $9,321,667 | 4,072 |
| Average total loans | $74,821,333 | 3,533 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4585% | 4,320 |
| Cost of funding earning assets | 0.1014% | 4,114 |
| Net interest margin | 2.3571% | 4,139 |
| Noninterest income to average assets | 0.1794% | 4,093 |
| Noninterest expense to average assets | 1.7271% | 4,095 |
| Loan and lease loss provision to assets | 0.0134% | 2,105 |
| Net operating income to assets | 0.6533% | 3,221 |
| Return on assets (ROA) | 0.6533% | 3,200 |
| Pretax return on assets | 0.6801% | 3,447 |
| Return on Equity (ROE) | 9.8402% | 2,028 |
| Retained earnings to average equity (ytd only) | 1.7745% | 3,606 |
| Net charge-offs to loans | 0.0600% | 713 |
| Credit loss provision to net charge-offs | 45.4545% | 1,211 |
| Earnings coverage of net charge-offs (x) | 23.5455% | 1,226 |
| Efficiency ratio | 71.3496% | 2,063 |
| Assets per employee ($millions) | 5.8931% | 2,902 |
| Cash dividends to net income (ytd only)* | 81.9672% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5803% | 4,518 |
| Loan loss allowance to noncurrent loans | 63.5659% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 1,209 |
| Noncurrent loans to loans | 0.9129% | 1,004 |
| Net loans and leases to total assets | 45.8465% | 3,596 |
| Net loans and leases to deposits | 48.9857% | 3,818 |
| Net loans and leases to core deposits | 50.1535% | 3,864 |
| Total domestic deposits to total assets | 93.5916% | 154 |
| Equity capital to assets | 5.9287% | 4,600 |
| Core capital (leverage) ratio | 7.2692% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4629% | 2,784 |
| Memoranda: | ||
| Average total assets | $149,387,000 | 3,523 |
| Average earning assets | $142,040,000 | 3,490 |
| Average equity | $9,918,500 | 4,063 |
| Average total loans | $73,305,000 | 3,566 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0243% | 3,828 |
| Cost of funding earning assets | 0.1358% | 4,108 |
| Net interest margin | 2.8885% | 3,476 |
| Noninterest income to average assets | 0.1583% | 4,357 |
| Noninterest expense to average assets | 1.7781% | 4,176 |
| Loan and lease loss provision to assets | 0.0781% | 1,560 |
| Net operating income to assets | 1.0273% | 2,572 |
| Return on assets (ROA) | 1.0273% | 2,640 |
| Pretax return on assets | 1.0400% | 3,153 |
| Return on Equity (ROE) | 13.3651% | 1,353 |
| Retained earnings to average equity (ytd only) | 4.1834% | 3,150 |
| Net charge-offs to loans | 0.0572% | 1,219 |
| Credit loss provision to net charge-offs | 270.7317% | 1,126 |
| Earnings coverage of net charge-offs (x) | 38.7561% | 1,458 |
| Efficiency ratio | 61.3946% | 2,954 |
| Assets per employee ($millions) | 5.3909% | 3,364 |
| Cash dividends to net income (ytd only)* | 68.6986% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5477% | 4,586 |
| Loan loss allowance to noncurrent loans | 83.8710% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 1,552 |
| Noncurrent loans to loans | 0.6530% | 1,530 |
| Net loans and leases to total assets | 51.8969% | 3,079 |
| Net loans and leases to deposits | 56.3065% | 3,393 |
| Net loans and leases to core deposits | 57.6987% | 3,499 |
| Total domestic deposits to total assets | 92.1685% | 142 |
| Equity capital to assets | 7.3876% | 4,626 |
| Core capital (leverage) ratio | 7.7374% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3906% | 2,799 |
| Memoranda: | ||
| Average total assets | $142,118,200 | 3,564 |
| Average earning assets | $134,708,000 | 3,530 |
| Average equity | $10,924,000 | 4,047 |
| Average total loans | $71,696,200 | 3,613 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1161% | 3,775 |
| Cost of funding earning assets | 0.1424% | 4,175 |
| Net interest margin | 2.9737% | 3,373 |
| Noninterest income to average assets | 0.1520% | 4,434 |
| Noninterest expense to average assets | 1.7877% | 4,193 |
| Loan and lease loss provision to assets | 0.0857% | 1,392 |
| Net operating income to assets | 1.0902% | 2,595 |
| Return on assets (ROA) | 1.0902% | 2,651 |
| Pretax return on assets | 1.0968% | 3,200 |
| Return on Equity (ROE) | 14.0421% | 1,377 |
| Retained earnings to average equity (ytd only) | 4.7658% | 3,304 |
| Net charge-offs to loans | 0.0982% | 747 |
| Credit loss provision to net charge-offs | 175.0000% | 1,272 |
| Earnings coverage of net charge-offs (x) | 24.0962% | 1,649 |
| Efficiency ratio | 60.1843% | 2,957 |
| Assets per employee ($millions) | 5.6135% | 3,083 |
| Cash dividends to net income (ytd only)* | 66.0606% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5269% | 4,686 |
| Loan loss allowance to noncurrent loans | 52.0974% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 1,239 |
| Noncurrent loans to loans | 1.0115% | 1,138 |
| Net loans and leases to total assets | 51.7875% | 3,211 |
| Net loans and leases to deposits | 56.5122% | 3,532 |
| Net loans and leases to core deposits | 58.3418% | 3,595 |
| Total domestic deposits to total assets | 91.6394% | 204 |
| Equity capital to assets | 7.9181% | 4,558 |
| Core capital (leverage) ratio | 7.7312% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0572% | 2,690 |
| Memoranda: | ||
| Average total assets | $141,259,250 | 3,614 |
| Average earning assets | $133,883,500 | 3,577 |
| Average equity | $10,966,750 | 4,094 |
| Average total loans | $70,631,750 | 3,688 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 3,558 |
| Cost of funding earning assets | 0.1503% | 4,201 |
| Net interest margin | 3.1020% | 3,030 |
| Noninterest income to average assets | 0.1455% | 4,470 |
| Noninterest expense to average assets | 1.7829% | 4,222 |
| Loan and lease loss provision to assets | 0.0791% | 1,528 |
| Net operating income to assets | 1.2235% | 2,097 |
| Return on assets (ROA) | 1.2235% | 2,172 |
| Pretax return on assets | 1.2277% | 2,836 |
| Return on Equity (ROE) | 15.8632% | 978 |
| Retained earnings to average equity (ytd only) | 5.9167% | 2,837 |
| Net charge-offs to loans | 0.0573% | 1,040 |
| Credit loss provision to net charge-offs | 280.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 46.2500% | 1,102 |
| Efficiency ratio | 57.7046% | 3,322 |
| Assets per employee ($millions) | 5.6816% | 2,929 |
| Cash dividends to net income (ytd only)* | 62.7021% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5523% | 4,702 |
| Loan loss allowance to noncurrent loans | 63.0795% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 1,695 |
| Noncurrent loans to loans | 0.8755% | 1,400 |
| Net loans and leases to total assets | 46.4440% | 3,873 |
| Net loans and leases to deposits | 50.3678% | 4,085 |
| Net loans and leases to core deposits | 51.9187% | 4,139 |
| Total domestic deposits to total assets | 92.2097% | 89 |
| Equity capital to assets | 7.4363% | 4,754 |
| Core capital (leverage) ratio | 7.6231% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3704% | 2,589 |
| Memoranda: | ||
| Average total assets | $141,566,667 | 3,615 |
| Average earning assets | $134,366,667 | 3,579 |
| Average equity | $10,918,333 | 4,106 |
| Average total loans | $69,821,667 | 3,725 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0707% | 3,945 |
| Cost of funding earning assets | 0.1674% | 4,186 |
| Net interest margin | 2.9033% | 3,510 |
| Noninterest income to average assets | 0.1444% | 4,483 |
| Noninterest expense to average assets | 1.8427% | 4,128 |
| Loan and lease loss provision to assets | 0.0751% | 1,684 |
| Net operating income to assets | 0.9820% | 2,864 |
| Return on assets (ROA) | 0.9820% | 2,957 |
| Pretax return on assets | 0.9820% | 3,423 |
| Return on Equity (ROE) | 12.4943% | 1,837 |
| Retained earnings to average equity (ytd only) | 6.0634% | 2,868 |
| Net charge-offs to loans | 0.0114% | 1,522 |
| Credit loss provision to net charge-offs | 1,300.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 428 |
| Efficiency ratio | 63.5458% | 2,525 |
| Assets per employee ($millions) | 5.3817% | 3,246 |
| Cash dividends to net income (ytd only)* | 51.4706% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5439% | 4,742 |
| Loan loss allowance to noncurrent loans | 54.2522% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 1,695 |
| Noncurrent loans to loans | 1.0026% | 1,336 |
| Net loans and leases to total assets | 46.5576% | 3,919 |
| Net loans and leases to deposits | 50.5590% | 4,130 |
| Net loans and leases to core deposits | 52.1463% | 4,185 |
| Total domestic deposits to total assets | 92.0857% | 128 |
| Equity capital to assets | 7.4574% | 4,723 |
| Core capital (leverage) ratio | 7.6848% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2350% | 2,583 |
| Memoranda: | ||
| Average total assets | $138,489,000 | 3,657 |
| Average earning assets | $131,437,000 | 3,619 |
| Average equity | $10,885,000 | 4,120 |
| Average total loans | $70,238,000 | 3,727 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2823% | 4,356 |
| Cost of funding earning assets | 0.2981% | 4,156 |
| Net interest margin | 2.9843% | 3,924 |
| Noninterest income to average assets | 0.1765% | 4,404 |
| Noninterest expense to average assets | 2.1786% | 3,727 |
| Loan and lease loss provision to assets | 0.0920% | 3,200 |
| Net operating income to assets | 0.7100% | 3,401 |
| Return on assets (ROA) | 0.7100% | 3,534 |
| Pretax return on assets | 0.7192% | 3,846 |
| Return on Equity (ROE) | 7.8972% | 2,859 |
| Retained earnings to average equity (ytd only) | 2.6882% | 3,513 |
| Net charge-offs to loans | 0.1642% | 1,006 |
| Credit loss provision to net charge-offs | 99.0991% | 2,852 |
| Earnings coverage of net charge-offs (x) | 8.7387% | 2,575 |
| Efficiency ratio | 72.8671% | 1,589 |
| Assets per employee ($millions) | 5.0643% | 3,324 |
| Cash dividends to net income (ytd only)* | 65.9600% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4775% | 4,805 |
| Loan loss allowance to noncurrent loans | 47.4623% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 1,604 |
| Noncurrent loans to loans | 1.0061% | 1,411 |
| Net loans and leases to total assets | 54.7641% | 3,413 |
| Net loans and leases to deposits | 60.0238% | 3,764 |
| Net loans and leases to core deposits | 63.7073% | 3,709 |
| Total domestic deposits to total assets | 91.2373% | 169 |
| Equity capital to assets | 8.3040% | 4,571 |
| Core capital (leverage) ratio | 8.4022% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,573,800 | 3,754 |
| Average earning assets | $112,724,600 | 3,724 |
| Average equity | $10,750,600 | 4,115 |
| Average total loans | $67,615,600 | 3,783 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3840% | 4,368 |
| Cost of funding earning assets | 0.3231% | 4,199 |
| Net interest margin | 3.0609% | 3,837 |
| Noninterest income to average assets | 0.1727% | 4,430 |
| Noninterest expense to average assets | 2.2239% | 3,626 |
| Loan and lease loss provision to assets | 0.1064% | 2,986 |
| Net operating income to assets | 0.7184% | 3,396 |
| Return on assets (ROA) | 0.7184% | 3,496 |
| Pretax return on assets | 0.7253% | 3,845 |
| Return on Equity (ROE) | 7.8219% | 2,875 |
| Retained earnings to average equity (ytd only) | 2.5284% | 3,724 |
| Net charge-offs to loans | 0.2048% | 749 |
| Credit loss provision to net charge-offs | 91.1765% | 2,690 |
| Earnings coverage of net charge-offs (x) | 7.1275% | 2,597 |
| Efficiency ratio | 72.7817% | 1,548 |
| Assets per employee ($millions) | 4.6365% | 3,675 |
| Cash dividends to net income (ytd only)* | 67.6752% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4887% | 4,822 |
| Loan loss allowance to noncurrent loans | 51.0574% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 1,753 |
| Noncurrent loans to loans | 0.9572% | 1,578 |
| Net loans and leases to total assets | 57.0892% | 3,513 |
| Net loans and leases to deposits | 63.0969% | 3,855 |
| Net loans and leases to core deposits | 67.5670% | 3,786 |
| Total domestic deposits to total assets | 90.4786% | 289 |
| Equity capital to assets | 9.0037% | 4,120 |
| Core capital (leverage) ratio | 8.8098% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7542% | 2,302 |
| Memoranda: | ||
| Average total assets | $116,549,250 | 3,779 |
| Average earning assets | $109,770,250 | 3,754 |
| Average equity | $10,704,750 | 4,125 |
| Average total loans | $66,405,750 | 3,820 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4556% | 4,473 |
| Cost of funding earning assets | 0.3428% | 4,300 |
| Net interest margin | 3.1128% | 3,874 |
| Noninterest income to average assets | 0.1927% | 4,313 |
| Noninterest expense to average assets | 2.2341% | 3,696 |
| Loan and lease loss provision to assets | 0.1614% | 2,384 |
| Net operating income to assets | 0.7239% | 3,304 |
| Return on assets (ROA) | 0.7239% | 3,413 |
| Pretax return on assets | 0.7291% | 3,801 |
| Return on Equity (ROE) | 7.8273% | 2,816 |
| Retained earnings to average equity (ytd only) | 2.9470% | 3,414 |
| Net charge-offs to loans | 0.2626% | 600 |
| Credit loss provision to net charge-offs | 108.1395% | 2,349 |
| Earnings coverage of net charge-offs (x) | 5.9651% | 2,476 |
| Efficiency ratio | 71.5000% | 1,762 |
| Assets per employee ($millions) | 4.5052% | 3,784 |
| Cash dividends to net income (ytd only)* | 62.3501% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5291% | 4,806 |
| Loan loss allowance to noncurrent loans | 64.0653% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 2,104 |
| Noncurrent loans to loans | 0.8259% | 1,846 |
| Net loans and leases to total assets | 54.5556% | 3,829 |
| Net loans and leases to deposits | 60.1617% | 4,109 |
| Net loans and leases to core deposits | 64.6520% | 4,040 |
| Total domestic deposits to total assets | 90.6816% | 227 |
| Equity capital to assets | 8.8556% | 4,206 |
| Core capital (leverage) ratio | 9.1368% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9243% | 2,211 |
| Memoranda: | ||
| Average total assets | $115,215,667 | 3,782 |
| Average earning assets | $108,518,000 | 3,762 |
| Average equity | $10,655,000 | 4,144 |
| Average total loans | $65,488,000 | 3,844 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6506% | 4,471 |
| Cost of funding earning assets | 0.3609% | 4,482 |
| Net interest margin | 3.2897% | 3,615 |
| Noninterest income to average assets | 0.2500% | 4,049 |
| Noninterest expense to average assets | 2.3428% | 3,673 |
| Loan and lease loss provision to assets | 0.2143% | 1,433 |
| Net operating income to assets | 0.7857% | 2,951 |
| Return on assets (ROA) | 0.7857% | 3,040 |
| Pretax return on assets | 0.7857% | 3,448 |
| Return on Equity (ROE) | 8.3046% | 2,382 |
| Retained earnings to average equity (ytd only) | 3.7748% | 2,776 |
| Net charge-offs to loans | 0.3946% | 368 |
| Credit loss provision to net charge-offs | 93.7500% | 1,880 |
| Earnings coverage of net charge-offs (x) | 4.3750% | 2,141 |
| Efficiency ratio | 70.0855% | 2,339 |
| Assets per employee ($millions) | 4.3441% | 3,484 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5311% | 4,847 |
| Loan loss allowance to noncurrent loans | 50.9687% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 1,868 |
| Noncurrent loans to loans | 1.0420% | 1,597 |
| Net loans and leases to total assets | 56.7121% | 3,779 |
| Net loans and leases to deposits | 63.0335% | 4,032 |
| Net loans and leases to core deposits | 68.2929% | 3,973 |
| Total domestic deposits to total assets | 89.9713% | 330 |
| Equity capital to assets | 9.4399% | 4,274 |
| Core capital (leverage) ratio | 9.2707% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6156% | 2,032 |
| Memoranda: | ||
| Average total assets | $112,003,000 | 3,815 |
| Average earning assets | $105,297,500 | 3,798 |
| Average equity | $10,596,500 | 4,167 |
| Average total loans | $64,874,500 | 3,864 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 4,626 |
| Cost of funding earning assets | 0.2953% | 4,740 |
| Net interest margin | 3.4593% | 3,566 |
| Noninterest income to average assets | 0.2840% | 3,984 |
| Noninterest expense to average assets | 2.3352% | 3,859 |
| Loan and lease loss provision to assets | 0.2352% | 810 |
| Net operating income to assets | 0.9515% | 3,013 |
| Return on assets (ROA) | 0.9515% | 3,097 |
| Pretax return on assets | 0.9659% | 3,554 |
| Return on Equity (ROE) | 10.1470% | 2,228 |
| Retained earnings to average equity (ytd only) | 1.2539% | 4,289 |
| Net charge-offs to loans | 0.3697% | 543 |
| Credit loss provision to net charge-offs | 109.2437% | 2,279 |
| Earnings coverage of net charge-offs (x) | 5.5798% | 3,069 |
| Efficiency ratio | 66.0358% | 2,764 |
| Assets per employee ($millions) | 4.4424% | 3,313 |
| Cash dividends to net income (ytd only)* | 87.6426% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5294% | 4,854 |
| Loan loss allowance to noncurrent loans | 65.5303% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 2,087 |
| Noncurrent loans to loans | 0.8079% | 1,895 |
| Net loans and leases to total assets | 58.5332% | 3,715 |
| Net loans and leases to deposits | 65.0421% | 4,004 |
| Net loans and leases to core deposits | 68.7207% | 4,043 |
| Total domestic deposits to total assets | 89.9928% | 323 |
| Equity capital to assets | 9.4823% | 4,368 |
| Core capital (leverage) ratio | 9.1843% | 4,371 |
| Tier 1 risk-based capital ratio | 14.0677% | 3,232 |
| Total risk-based capital ratio | 14.5305% | 3,523 |
| Memoranda: | ||
| Average total assets | $110,567,400 | 3,821 |
| Average earning assets | $103,951,600 | 3,803 |
| Average equity | $10,367,600 | 4,192 |
| Average total loans | $64,379,600 | 3,899 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 4,745 |
| Cost of funding earning assets | 0.2811% | 4,843 |
| Net interest margin | 3.4514% | 3,726 |
| Noninterest income to average assets | 0.3066% | 3,907 |
| Noninterest expense to average assets | 2.3323% | 3,869 |
| Loan and lease loss provision to assets | 0.2596% | 614 |
| Net operating income to assets | 0.9452% | 3,187 |
| Return on assets (ROA) | 0.9452% | 3,261 |
| Pretax return on assets | 0.9609% | 3,711 |
| Return on Equity (ROE) | 10.1094% | 2,383 |
| Retained earnings to average equity (ytd only) | 1.4332% | 4,451 |
| Net charge-offs to loans | 0.3784% | 440 |
| Credit loss provision to net charge-offs | 118.1319% | 1,978 |
| Earnings coverage of net charge-offs (x) | 5.5550% | 2,911 |
| Efficiency ratio | 65.6473% | 2,778 |
| Assets per employee ($millions) | 4.7210% | 2,889 |
| Cash dividends to net income (ytd only)* | 85.8243% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5477% | 4,902 |
| Loan loss allowance to noncurrent loans | 77.9476% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 2,298 |
| Noncurrent loans to loans | 0.7026% | 2,198 |
| Net loans and leases to total assets | 57.2183% | 3,949 |
| Net loans and leases to deposits | 63.4406% | 4,212 |
| Net loans and leases to core deposits | 66.9641% | 4,226 |
| Total domestic deposits to total assets | 90.1918% | 242 |
| Equity capital to assets | 9.2690% | 4,621 |
| Core capital (leverage) ratio | 9.5994% | 4,062 |
| Tier 1 risk-based capital ratio | 14.0050% | 3,329 |
| Total risk-based capital ratio | 14.4813% | 3,632 |
| Memoranda: | ||
| Average total assets | $110,444,250 | 3,868 |
| Average earning assets | $103,877,500 | 3,847 |
| Average equity | $10,326,750 | 4,243 |
| Average total loans | $64,136,250 | 3,947 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 4,804 |
| Cost of funding earning assets | 0.2698% | 4,904 |
| Net interest margin | 3.4551% | 3,728 |
| Noninterest income to average assets | 0.2996% | 3,938 |
| Noninterest expense to average assets | 2.3198% | 3,955 |
| Loan and lease loss provision to assets | 0.2466% | 630 |
| Net operating income to assets | 0.9699% | 3,029 |
| Return on assets (ROA) | 0.9699% | 3,100 |
| Pretax return on assets | 0.9846% | 3,599 |
| Return on Equity (ROE) | 10.3425% | 2,235 |
| Retained earnings to average equity (ytd only) | 1.4998% | 4,291 |
| Net charge-offs to loans | 0.1254% | 1,192 |
| Credit loss provision to net charge-offs | 337.5000% | 827 |
| Earnings coverage of net charge-offs (x) | 16.8500% | 1,915 |
| Efficiency ratio | 65.3292% | 2,915 |
| Assets per employee ($millions) | 4.5297% | 3,089 |
| Cash dividends to net income (ytd only)* | 85.4991% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 4,776 |
| Loan loss allowance to noncurrent loans | 80.8880% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 2,084 |
| Noncurrent loans to loans | 0.8181% | 1,956 |
| Net loans and leases to total assets | 57.8588% | 3,930 |
| Net loans and leases to deposits | 64.3544% | 4,204 |
| Net loans and leases to core deposits | 67.6039% | 4,229 |
| Total domestic deposits to total assets | 89.9065% | 363 |
| Equity capital to assets | 9.6060% | 4,308 |
| Core capital (leverage) ratio | 9.6388% | 3,989 |
| Tier 1 risk-based capital ratio | 14.3158% | 3,153 |
| Total risk-based capital ratio | 14.8892% | 3,404 |
| Memoranda: | ||
| Average total assets | $109,491,330 | 3,906 |
| Average earning assets | $103,036,670 | 3,885 |
| Average equity | $10,268,330 | 4,266 |
| Average total loans | $63,786,000 | 3,975 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 4,838 |
| Cost of funding earning assets | 0.2551% | 4,968 |
| Net interest margin | 3.4513% | 3,743 |
| Noninterest income to average assets | 0.2839% | 3,977 |
| Noninterest expense to average assets | 2.2679% | 4,104 |
| Loan and lease loss provision to assets | 0.2184% | 716 |
| Net operating income to assets | 1.0339% | 2,728 |
| Return on assets (ROA) | 1.0339% | 2,767 |
| Pretax return on assets | 1.0484% | 3,287 |
| Return on Equity (ROE) | 11.1580% | 1,886 |
| Retained earnings to average equity (ytd only) | 2.0430% | 4,053 |
| Net charge-offs to loans | 0.2249% | 632 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 2,008 |
| Efficiency ratio | 64.1607% | 3,216 |
| Assets per employee ($millions) | 4.6574% | 2,971 |
| Cash dividends to net income (ytd only)* | 81.6901% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5594% | 5,004 |
| Loan loss allowance to noncurrent loans | 127.4725% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 2,923 |
| Noncurrent loans to loans | 0.4388% | 3,009 |
| Net loans and leases to total assets | 55.3472% | 4,110 |
| Net loans and leases to deposits | 61.3117% | 4,343 |
| Net loans and leases to core deposits | 64.3018% | 4,364 |
| Total domestic deposits to total assets | 90.2718% | 365 |
| Equity capital to assets | 9.1932% | 4,541 |
| Core capital (leverage) ratio | 9.3281% | 4,338 |
| Tier 1 risk-based capital ratio | 14.3012% | 3,191 |
| Total risk-based capital ratio | 14.7780% | 3,504 |
| Memoranda: | ||
| Average total assets | $109,880,500 | 3,936 |
| Average earning assets | $103,497,000 | 3,917 |
| Average equity | $10,181,000 | 4,304 |
| Average total loans | $64,019,500 | 4,006 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 4,855 |
| Cost of funding earning assets | 0.2090% | 4,972 |
| Net interest margin | 3.3437% | 4,142 |
| Noninterest income to average assets | 0.3137% | 4,020 |
| Noninterest expense to average assets | 2.2612% | 4,203 |
| Loan and lease loss provision to assets | 0.2042% | 922 |
| Net operating income to assets | 0.9861% | 3,074 |
| Return on assets (ROA) | 0.9788% | 3,101 |
| Pretax return on assets | 0.9908% | 3,639 |
| Return on Equity (ROE) | 10.7211% | 2,202 |
| Retained earnings to average equity (ytd only) | 3.0632% | 3,864 |
| Net charge-offs to loans | 0.3046% | 634 |
| Credit loss provision to net charge-offs | 115.6250% | 2,244 |
| Earnings coverage of net charge-offs (x) | 6.8073% | 3,048 |
| Efficiency ratio | 65.2855% | 2,990 |
| Assets per employee ($millions) | 3.9994% | 3,892 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4922% | 5,131 |
| Loan loss allowance to noncurrent loans | 45.6982% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8159% | 1,711 |
| Noncurrent loans to loans | 1.0771% | 1,514 |
| Net loans and leases to total assets | 60.6586% | 3,698 |
| Net loans and leases to deposits | 67.2723% | 4,025 |
| Net loans and leases to core deposits | 71.1225% | 4,054 |
| Total domestic deposits to total assets | 90.1688% | 420 |
| Equity capital to assets | 9.3404% | 4,284 |
| Core capital (leverage) ratio | 9.5333% | 4,084 |
| Tier 1 risk-based capital ratio | 13.7156% | 3,431 |
| Total risk-based capital ratio | 14.1435% | 3,799 |
| Memoranda: | ||
| Average total assets | $108,701,600 | 3,960 |
| Average earning assets | $102,402,200 | 3,943 |
| Average equity | $9,924,400 | 4,307 |
| Average total loans | $63,034,400 | 4,025 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5064% | 4,921 |
| Cost of funding earning assets | 0.2027% | 5,013 |
| Net interest margin | 3.3037% | 4,268 |
| Noninterest income to average assets | 0.3049% | 4,108 |
| Noninterest expense to average assets | 2.2507% | 4,216 |
| Loan and lease loss provision to assets | 0.1898% | 944 |
| Net operating income to assets | 0.9673% | 3,230 |
| Return on assets (ROA) | 0.9576% | 3,286 |
| Pretax return on assets | 0.9674% | 3,829 |
| Return on Equity (ROE) | 10.5488% | 2,375 |
| Retained earnings to average equity (ytd only) | 4.2087% | 3,668 |
| Net charge-offs to loans | 0.2759% | 606 |
| Credit loss provision to net charge-offs | 120.1550% | 1,985 |
| Earnings coverage of net charge-offs (x) | 7.3874% | 2,816 |
| Efficiency ratio | 65.8545% | 2,896 |
| Assets per employee ($millions) | 4.0075% | 3,876 |
| Cash dividends to net income (ytd only)* | 60.1022% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4917% | 5,198 |
| Loan loss allowance to noncurrent loans | 52.4590% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 2,048 |
| Noncurrent loans to loans | 0.9373% | 1,818 |
| Net loans and leases to total assets | 59.8547% | 3,859 |
| Net loans and leases to deposits | 66.3138% | 4,173 |
| Net loans and leases to core deposits | 70.3330% | 4,172 |
| Total domestic deposits to total assets | 90.2599% | 424 |
| Equity capital to assets | 9.2041% | 4,360 |
| Core capital (leverage) ratio | 9.4545% | 4,228 |
| Tier 1 risk-based capital ratio | 14.2512% | 3,244 |
| Total risk-based capital ratio | 14.6900% | 3,577 |
| Memoranda: | ||
| Average total assets | $108,881,250 | 4,004 |
| Average earning assets | $102,591,000 | 3,978 |
| Average equity | $9,884,000 | 4,356 |
| Average total loans | $62,336,750 | 4,076 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3778% | 5,063 |
| Cost of funding earning assets | 0.1884% | 5,081 |
| Net interest margin | 3.1894% | 4,530 |
| Noninterest income to average assets | 0.2860% | 4,266 |
| Noninterest expense to average assets | 2.2235% | 4,316 |
| Loan and lease loss provision to assets | 0.1466% | 1,299 |
| Net operating income to assets | 0.9184% | 3,387 |
| Return on assets (ROA) | 0.9184% | 3,391 |
| Pretax return on assets | 0.9257% | 3,888 |
| Return on Equity (ROE) | 10.1633% | 2,491 |
| Retained earnings to average equity (ytd only) | 3.1646% | 3,983 |
| Net charge-offs to loans | 0.1661% | 936 |
| Credit loss provision to net charge-offs | 156.8627% | 1,534 |
| Earnings coverage of net charge-offs (x) | 11.4706% | 2,268 |
| Efficiency ratio | 67.4638% | 2,738 |
| Assets per employee ($millions) | 4.8401% | 2,631 |
| Cash dividends to net income (ytd only)* | 68.8623% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5140% | 5,242 |
| Loan loss allowance to noncurrent loans | 46.2751% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 2,046 |
| Noncurrent loans to loans | 1.1108% | 1,586 |
| Net loans and leases to total assets | 53.8149% | 4,352 |
| Net loans and leases to deposits | 59.0681% | 4,586 |
| Net loans and leases to core deposits | 62.2398% | 4,591 |
| Total domestic deposits to total assets | 91.1065% | 228 |
| Equity capital to assets | 8.4588% | 4,975 |
| Core capital (leverage) ratio | 9.2423% | 4,424 |
| Tier 1 risk-based capital ratio | 14.4852% | 3,123 |
| Total risk-based capital ratio | 14.9423% | 3,423 |
| Memoranda: | ||
| Average total assets | $109,107,670 | 4,034 |
| Average earning assets | $102,966,670 | 4,004 |
| Average equity | $9,859,000 | 4,397 |
| Average total loans | $61,421,000 | 4,127 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 5,044 |
| Cost of funding earning assets | 0.1850% | 5,095 |
| Net interest margin | 3.1939% | 4,486 |
| Noninterest income to average assets | 0.2425% | 4,553 |
| Noninterest expense to average assets | 2.2050% | 4,406 |
| Loan and lease loss provision to assets | 0.1137% | 1,661 |
| Net operating income to assets | 0.9282% | 3,165 |
| Return on assets (ROA) | 0.9282% | 3,186 |
| Pretax return on assets | 0.9320% | 3,751 |
| Return on Equity (ROE) | 9.9235% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.9235% | 1,185 |
| Net charge-offs to loans | 0.2833% | 542 |
| Credit loss provision to net charge-offs | 69.7674% | 1,830 |
| Earnings coverage of net charge-offs (x) | 6.4186% | 2,161 |
| Efficiency ratio | 67.8322% | 2,857 |
| Assets per employee ($millions) | 3.9286% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4773% | 5,357 |
| Loan loss allowance to noncurrent loans | 46.0656% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 2,095 |
| Noncurrent loans to loans | 1.0362% | 1,764 |
| Net loans and leases to total assets | 55.2351% | 4,187 |
| Net loans and leases to deposits | 61.3125% | 4,379 |
| Net loans and leases to core deposits | 65.3975% | 4,351 |
| Total domestic deposits to total assets | 90.0879% | 626 |
| Equity capital to assets | 9.3842% | 4,202 |
| Core capital (leverage) ratio | 9.7113% | 3,831 |
| Tier 1 risk-based capital ratio | 15.6564% | 2,612 |
| Total risk-based capital ratio | 16.0824% | 2,894 |
| Memoranda: | ||
| Average total assets | $105,580,000 | 4,129 |
| Average earning assets | $99,438,000 | 4,106 |
| Average equity | $9,875,500 | 4,443 |
| Average total loans | $60,713,500 | 4,183 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2851% | 5,100 |
| Cost of funding earning assets | 0.1343% | 5,349 |
| Net interest margin | 3.1508% | 4,575 |
| Noninterest income to average assets | 0.2262% | 4,783 |
| Noninterest expense to average assets | 2.4734% | 3,867 |
| Loan and lease loss provision to assets | 0.0471% | 3,282 |
| Net operating income to assets | 0.6589% | 3,788 |
| Return on assets (ROA) | 0.6589% | 3,825 |
| Pretax return on assets | 0.6683% | 4,585 |
| Return on Equity (ROE) | 7.0352% | 3,258 |
| Retained earnings to average equity (ytd only) | 0.0906% | 4,969 |
| Net charge-offs to loans | 0.2144% | 1,211 |
| Credit loss provision to net charge-offs | 38.7597% | 3,448 |
| Earnings coverage of net charge-offs (x) | 5.8837% | 3,260 |
| Efficiency ratio | 77.5643% | 1,415 |
| Assets per employee ($millions) | 3.8921% | 4,133 |
| Cash dividends to net income (ytd only)* | 98.7124% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4700% | 5,426 |
| Loan loss allowance to noncurrent loans | 46.2264% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 2,111 |
| Noncurrent loans to loans | 1.0167% | 1,749 |
| Net loans and leases to total assets | 59.2484% | 3,904 |
| Net loans and leases to deposits | 66.1992% | 4,170 |
| Net loans and leases to core deposits | 70.6627% | 4,132 |
| Total domestic deposits to total assets | 89.5002% | 775 |
| Equity capital to assets | 9.3227% | 4,406 |
| Core capital (leverage) ratio | 9.5334% | 4,000 |
| Tier 1 risk-based capital ratio | 14.3426% | 3,178 |
| Total risk-based capital ratio | 14.7609% | 3,531 |
| Memoranda: | ||
| Average total assets | $106,090,600 | 4,130 |
| Average earning assets | $99,753,800 | 4,101 |
| Average equity | $9,935,800 | 4,460 |
| Average total loans | $60,164,200 | 4,203 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2290% | 5,198 |
| Cost of funding earning assets | 0.1240% | 5,457 |
| Net interest margin | 3.1050% | 4,702 |
| Noninterest income to average assets | 0.2382% | 4,780 |
| Noninterest expense to average assets | 2.4549% | 3,870 |
| Loan and lease loss provision to assets | 0.0339% | 3,444 |
| Net operating income to assets | 0.6633% | 4,145 |
| Return on assets (ROA) | 0.6633% | 4,199 |
| Pretax return on assets | 0.6695% | 4,681 |
| Return on Equity (ROE) | 7.0741% | 3,617 |
| Retained earnings to average equity (ytd only) | 0.1873% | 5,177 |
| Net charge-offs to loans | 0.2843% | 762 |
| Credit loss provision to net charge-offs | 21.2598% | 3,149 |
| Earnings coverage of net charge-offs (x) | 4.4173% | 3,229 |
| Efficiency ratio | 77.7293% | 1,363 |
| Assets per employee ($millions) | 4.0913% | 3,839 |
| Cash dividends to net income (ytd only)* | 97.3530% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4522% | 5,513 |
| Loan loss allowance to noncurrent loans | 44.1935% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 0.7972% | 2,148 |
| Noncurrent loans to loans | 1.0233% | 1,899 |
| Net loans and leases to total assets | 56.7018% | 4,177 |
| Net loans and leases to deposits | 62.9209% | 4,447 |
| Net loans and leases to core deposits | 66.8144% | 4,437 |
| Total domestic deposits to total assets | 90.1160% | 439 |
| Equity capital to assets | 9.3369% | 4,613 |
| Core capital (leverage) ratio | 9.4718% | 4,199 |
| Tier 1 risk-based capital ratio | 15.3612% | 2,766 |
| Total risk-based capital ratio | 15.7785% | 3,081 |
| Memoranda: | ||
| Average total assets | $106,341,250 | 4,174 |
| Average earning assets | $100,007,250 | 4,138 |
| Average equity | $9,970,500 | 4,495 |
| Average total loans | $59,566,000 | 4,253 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1633% | 5,288 |
| Cost of funding earning assets | 0.1139% | 5,542 |
| Net interest margin | 3.0494% | 4,792 |
| Noninterest income to average assets | 0.2408% | 4,800 |
| Noninterest expense to average assets | 2.4640% | 3,874 |
| Loan and lease loss provision to assets | 0.0339% | 3,310 |
| Net operating income to assets | 0.6094% | 4,261 |
| Return on assets (ROA) | 0.6094% | 4,302 |
| Pretax return on assets | 0.6132% | 4,773 |
| Return on Equity (ROE) | 6.4908% | 3,828 |
| Retained earnings to average equity (ytd only) | 3.5459% | 3,598 |
| Net charge-offs to loans | 0.1148% | 1,490 |
| Credit loss provision to net charge-offs | 52.9412% | 2,531 |
| Earnings coverage of net charge-offs (x) | 10.1176% | 2,369 |
| Efficiency ratio | 79.2019% | 1,309 |
| Assets per employee ($millions) | 4.0360% | 3,893 |
| Cash dividends to net income (ytd only)* | 45.3704% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6105% | 5,361 |
| Loan loss allowance to noncurrent loans | 51.2931% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8369% | 2,120 |
| Noncurrent loans to loans | 1.1903% | 1,638 |
| Net loans and leases to total assets | 53.3325% | 4,452 |
| Net loans and leases to deposits | 59.0816% | 4,695 |
| Net loans and leases to core deposits | 62.6326% | 4,687 |
| Total domestic deposits to total assets | 90.2691% | 439 |
| Equity capital to assets | 9.2739% | 4,649 |
| Core capital (leverage) ratio | 9.7724% | 3,810 |
| Tier 1 risk-based capital ratio | 15.9037% | 2,542 |
| Total risk-based capital ratio | 16.4577% | 2,772 |
| Memoranda: | ||
| Average total assets | $106,330,330 | 4,199 |
| Average earning assets | $100,086,330 | 4,164 |
| Average equity | $9,983,330 | 4,512 |
| Average total loans | $59,224,670 | 4,284 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1425% | 5,319 |
| Cost of funding earning assets | 0.1093% | 5,615 |
| Net interest margin | 3.0332% | 4,825 |
| Noninterest income to average assets | 0.2400% | 4,819 |
| Noninterest expense to average assets | 2.4950% | 3,828 |
| Loan and lease loss provision to assets | 0.0343% | 3,100 |
| Net operating income to assets | 0.5638% | 4,316 |
| Return on assets (ROA) | 0.5638% | 4,358 |
| Pretax return on assets | 0.5638% | 4,809 |
| Return on Equity (ROE) | 5.9665% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.9665% | 2,359 |
| Net charge-offs to loans | 0.2349% | 764 |
| Credit loss provision to net charge-offs | 25.7143% | 2,142 |
| Earnings coverage of net charge-offs (x) | 4.4857% | 2,383 |
| Efficiency ratio | 80.6650% | 1,299 |
| Assets per employee ($millions) | 3.9004% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 5,462 |
| Loan loss allowance to noncurrent loans | 53.2925% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 2,236 |
| Noncurrent loans to loans | 1.1399% | 1,788 |
| Net loans and leases to total assets | 54.0675% | 4,335 |
| Net loans and leases to deposits | 60.0832% | 4,559 |
| Net loans and leases to core deposits | 64.0758% | 4,530 |
| Total domestic deposits to total assets | 89.9878% | 660 |
| Equity capital to assets | 9.5175% | 4,274 |
| Core capital (leverage) ratio | 9.5917% | 4,013 |
| Tier 1 risk-based capital ratio | 18.7293% | 1,685 |
| Total risk-based capital ratio | 19.3670% | 1,800 |
| Memoranda: | ||
| Average total assets | $105,009,000 | 4,266 |
| Average earning assets | $98,774,500 | 4,217 |
| Average equity | $9,922,000 | 4,556 |
| Average total loans | $59,599,500 | 4,313 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2239% | 5,266 |
| Cost of funding earning assets | 0.1087% | 5,662 |
| Net interest margin | 3.1152% | 4,689 |
| Noninterest income to average assets | 0.2290% | 5,041 |
| Noninterest expense to average assets | 2.4203% | 4,244 |
| Loan and lease loss provision to assets | 0.0391% | 3,596 |
| Net operating income to assets | 0.6747% | 3,892 |
| Return on assets (ROA) | 0.6880% | 3,948 |
| Pretax return on assets | 0.6969% | 4,495 |
| Return on Equity (ROE) | 6.8293% | 3,562 |
| Retained earnings to average equity (ytd only) | 0.0665% | 5,284 |
| Net charge-offs to loans | 0.1676% | 1,615 |
| Credit loss provision to net charge-offs | 39.7727% | 3,495 |
| Earnings coverage of net charge-offs (x) | 7.3523% | 3,030 |
| Efficiency ratio | 77.0078% | 1,844 |
| Assets per employee ($millions) | 3.4902% | 4,775 |
| Cash dividends to net income (ytd only)* | 99.0260% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6025% | 5,523 |
| Loan loss allowance to noncurrent loans | 36.7488% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.1957% | 1,512 |
| Noncurrent loans to loans | 1.6394% | 1,188 |
| Net loans and leases to total assets | 58.7726% | 3,992 |
| Net loans and leases to deposits | 65.1606% | 4,317 |
| Net loans and leases to core deposits | 69.3812% | 4,299 |
| Total domestic deposits to total assets | 90.1965% | 563 |
| Equity capital to assets | 9.3795% | 4,397 |
| Core capital (leverage) ratio | 9.4752% | 4,117 |
| Tier 1 risk-based capital ratio | 16.4157% | 2,377 |
| Total risk-based capital ratio | 17.0236% | 2,568 |
| Memoranda: | ||
| Average total assets | $89,534,600 | 4,553 |
| Average earning assets | $83,749,400 | 4,522 |
| Average equity | $9,020,000 | 4,763 |
| Average total loans | $52,519,400 | 4,507 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1644% | 5,413 |
| Cost of funding earning assets | 0.1099% | 5,721 |
| Net interest margin | 3.0546% | 4,891 |
| Noninterest income to average assets | 0.2224% | 5,137 |
| Noninterest expense to average assets | 2.3388% | 4,435 |
| Loan and lease loss provision to assets | 0.0404% | 3,428 |
| Net operating income to assets | 0.6875% | 3,922 |
| Return on assets (ROA) | 0.7060% | 3,946 |
| Pretax return on assets | 0.7153% | 4,569 |
| Return on Equity (ROE) | 6.8632% | 3,632 |
| Retained earnings to average equity (ytd only) | 0.0303% | 5,337 |
| Net charge-offs to loans | 0.1488% | 1,506 |
| Credit loss provision to net charge-offs | 46.4286% | 3,082 |
| Earnings coverage of net charge-offs (x) | 8.4648% | 2,763 |
| Efficiency ratio | 76.0364% | 1,970 |
| Assets per employee ($millions) | 3.6544% | 4,566 |
| Cash dividends to net income (ytd only)* | 99.5589% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5630% | 5,655 |
| Loan loss allowance to noncurrent loans | 36.3750% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 2,178 |
| Noncurrent loans to loans | 1.5478% | 1,399 |
| Net loans and leases to total assets | 61.1474% | 3,725 |
| Net loans and leases to deposits | 70.0138% | 3,985 |
| Net loans and leases to core deposits | 75.5220% | 3,885 |
| Total domestic deposits to total assets | 87.3363% | 1,742 |
| Equity capital to assets | 12.0141% | 2,107 |
| Core capital (leverage) ratio | 11.8584% | 1,780 |
| Tier 1 risk-based capital ratio | 17.2521% | 2,148 |
| Total risk-based capital ratio | 17.7508% | 2,368 |
| Memoranda: | ||
| Average total assets | $85,741,500 | 4,653 |
| Average earning assets | $80,096,750 | 4,622 |
| Average equity | $8,819,750 | 4,833 |
| Average total loans | $50,171,250 | 4,605 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1180% | 5,527 |
| Cost of funding earning assets | 0.1085% | 5,820 |
| Net interest margin | 3.0095% | 5,061 |
| Noninterest income to average assets | 0.2433% | 5,025 |
| Noninterest expense to average assets | 2.2386% | 4,758 |
| Loan and lease loss provision to assets | 0.0394% | 3,367 |
| Net operating income to assets | 0.7879% | 3,370 |
| Return on assets (ROA) | 0.7879% | 3,516 |
| Pretax return on assets | 0.7949% | 4,300 |
| Return on Equity (ROE) | 8.1013% | 2,937 |
| Retained earnings to average equity (ytd only) | 0.1906% | 5,246 |
| Net charge-offs to loans | 0.2255% | 1,035 |
| Credit loss provision to net charge-offs | 30.3571% | 2,856 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,743 |
| Efficiency ratio | 72.8507% | 2,542 |
| Assets per employee ($millions) | 3.8989% | 4,097 |
| Cash dividends to net income (ytd only)* | 97.6471% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5678% | 5,719 |
| Loan loss allowance to noncurrent loans | 52.9081% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 3,051 |
| Noncurrent loans to loans | 1.0732% | 2,144 |
| Net loans and leases to total assets | 57.5716% | 4,159 |
| Net loans and leases to deposits | 64.2484% | 4,477 |
| Net loans and leases to core deposits | 69.2488% | 4,387 |
| Total domestic deposits to total assets | 89.6077% | 634 |
| Equity capital to assets | 9.8432% | 4,397 |
| Core capital (leverage) ratio | 9.7603% | 3,853 |
| Tier 1 risk-based capital ratio | 15.7320% | 2,769 |
| Total risk-based capital ratio | 16.2605% | 3,017 |
| Memoranda: | ||
| Average total assets | $86,305,000 | 4,688 |
| Average earning assets | $81,142,670 | 4,638 |
| Average equity | $8,393,670 | 4,944 |
| Average total loans | $49,666,330 | 4,660 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0592% | 5,636 |
| Cost of funding earning assets | 0.1080% | 5,883 |
| Net interest margin | 2.9512% | 5,215 |
| Noninterest income to average assets | 0.2218% | 5,151 |
| Noninterest expense to average assets | 2.2548% | 4,772 |
| Loan and lease loss provision to assets | 0.0370% | 3,171 |
| Net operating income to assets | 0.6977% | 3,727 |
| Return on assets (ROA) | 0.6977% | 3,840 |
| Pretax return on assets | 0.7069% | 4,504 |
| Return on Equity (ROE) | 7.2171% | 3,337 |
| Retained earnings to average equity (ytd only) | 0.0478% | 5,094 |
| Net charge-offs to loans | 0.3946% | 569 |
| Credit loss provision to net charge-offs | 16.3265% | 2,321 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 2,561 |
| Efficiency ratio | 75.1926% | 2,298 |
| Assets per employee ($millions) | 3.7235% | 4,427 |
| Cash dividends to net income (ytd only)* | 99.3377% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5797% | 5,773 |
| Loan loss allowance to noncurrent loans | 93.3333% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 4,165 |
| Noncurrent loans to loans | 0.6212% | 3,310 |
| Net loans and leases to total assets | 56.0684% | 4,250 |
| Net loans and leases to deposits | 62.5295% | 4,542 |
| Net loans and leases to core deposits | 67.3611% | 4,446 |
| Total domestic deposits to total assets | 89.6672% | 753 |
| Equity capital to assets | 9.8015% | 4,336 |
| Core capital (leverage) ratio | 9.6317% | 3,995 |
| Tier 1 risk-based capital ratio | 16.0381% | 2,663 |
| Total risk-based capital ratio | 16.5736% | 2,949 |
| Memoranda: | ||
| Average total assets | $86,570,000 | 4,721 |
| Average earning assets | $81,458,000 | 4,670 |
| Average equity | $8,369,000 | 4,986 |
| Average total loans | $49,667,500 | 4,684 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0859% | 5,653 |
| Cost of funding earning assets | 0.1116% | 5,920 |
| Net interest margin | 2.9744% | 5,196 |
| Noninterest income to average assets | 0.2664% | 4,964 |
| Noninterest expense to average assets | 2.2383% | 4,953 |
| Loan and lease loss provision to assets | 0.0277% | 3,825 |
| Net operating income to assets | 0.7888% | 3,384 |
| Return on assets (ROA) | 0.7888% | 3,465 |
| Pretax return on assets | 0.7980% | 4,194 |
| Return on Equity (ROE) | 8.1617% | 2,865 |
| Retained earnings to average equity (ytd only) | 0.1551% | 5,445 |
| Net charge-offs to loans | 0.0406% | 3,409 |
| Credit loss provision to net charge-offs | 120.0000% | 2,147 |
| Earnings coverage of net charge-offs (x) | 35.8000% | 1,279 |
| Efficiency ratio | 73.0523% | 2,736 |
| Assets per employee ($millions) | 3.8043% | 4,284 |
| Cash dividends to net income (ytd only)* | 98.0994% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 5,757 |
| Loan loss allowance to noncurrent loans | 72.1348% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 3,609 |
| Noncurrent loans to loans | 0.8719% | 2,607 |
| Net loans and leases to total assets | 57.9623% | 4,098 |
| Net loans and leases to deposits | 64.3927% | 4,438 |
| Net loans and leases to core deposits | 69.2401% | 4,354 |
| Total domestic deposits to total assets | 90.0137% | 628 |
| Equity capital to assets | 9.5360% | 4,514 |
| Core capital (leverage) ratio | 9.6977% | 3,915 |
| Tier 1 risk-based capital ratio | 15.2771% | 3,044 |
| Total risk-based capital ratio | 15.8620% | 3,300 |
| Memoranda: | ||
| Average total assets | $86,716,200 | 4,733 |
| Average earning assets | $81,563,800 | 4,687 |
| Average equity | $8,380,600 | 4,983 |
| Average total loans | $49,220,600 | 4,693 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0867% | 5,723 |
| Cost of funding earning assets | 0.1114% | 6,012 |
| Net interest margin | 2.9753% | 5,257 |
| Noninterest income to average assets | 0.2620% | 5,065 |
| Noninterest expense to average assets | 2.2391% | 4,941 |
| Loan and lease loss provision to assets | 0.0277% | 3,692 |
| Net operating income to assets | 0.7875% | 3,488 |
| Return on assets (ROA) | 0.7875% | 3,578 |
| Pretax return on assets | 0.7936% | 4,357 |
| Return on Equity (ROE) | 8.1209% | 3,009 |
| Retained earnings to average equity (ytd only) | 0.0635% | 5,578 |
| Net charge-offs to loans | 0.0328% | 3,263 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 44.4156% | 1,140 |
| Efficiency ratio | 73.1621% | 2,690 |
| Assets per employee ($millions) | 3.7049% | 4,434 |
| Cash dividends to net income (ytd only)* | 99.2162% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 5,814 |
| Loan loss allowance to noncurrent loans | 38.9157% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 2,411 |
| Noncurrent loans to loans | 1.6784% | 1,453 |
| Net loans and leases to total assets | 57.6555% | 4,181 |
| Net loans and leases to deposits | 64.8273% | 4,485 |
| Net loans and leases to core deposits | 70.3636% | 4,340 |
| Total domestic deposits to total assets | 88.9371% | 1,057 |
| Equity capital to assets | 9.8682% | 4,314 |
| Core capital (leverage) ratio | 9.7856% | 3,921 |
| Tier 1 risk-based capital ratio | 14.1267% | 3,782 |
| Total risk-based capital ratio | 14.6715% | 4,108 |
| Memoranda: | ||
| Average total assets | $86,520,250 | 4,796 |
| Average earning assets | $81,378,250 | 4,746 |
| Average equity | $8,389,750 | 5,044 |
| Average total loans | $48,766,250 | 4,759 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0384% | 5,823 |
| Cost of funding earning assets | 0.1124% | 6,078 |
| Net interest margin | 2.9260% | 5,396 |
| Noninterest income to average assets | 0.2530% | 5,140 |
| Noninterest expense to average assets | 2.2126% | 5,076 |
| Loan and lease loss provision to assets | 0.0276% | 3,578 |
| Net operating income to assets | 0.7659% | 3,555 |
| Return on assets (ROA) | 0.7659% | 3,657 |
| Pretax return on assets | 0.7682% | 4,426 |
| Return on Equity (ROE) | 7.9443% | 3,091 |
| Retained earnings to average equity (ytd only) | 0.1431% | 5,458 |
| Net charge-offs to loans | 0.0412% | 2,864 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 1,242 |
| Efficiency ratio | 73.5474% | 2,744 |
| Assets per employee ($millions) | 3.6928% | 4,440 |
| Cash dividends to net income (ytd only)* | 98.1982% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6591% | 5,886 |
| Loan loss allowance to noncurrent loans | 50.3949% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 3,150 |
| Noncurrent loans to loans | 1.3078% | 2,056 |
| Net loans and leases to total assets | 56.6127% | 4,269 |
| Net loans and leases to deposits | 63.1587% | 4,608 |
| Net loans and leases to core deposits | 68.4470% | 4,457 |
| Total domestic deposits to total assets | 89.6356% | 823 |
| Equity capital to assets | 9.8428% | 4,229 |
| Core capital (leverage) ratio | 9.8375% | 3,818 |
| Tier 1 risk-based capital ratio | 17.4800% | 2,229 |
| Total risk-based capital ratio | 18.1456% | 2,399 |
| Memoranda: | ||
| Average total assets | $86,956,000 | 4,836 |
| Average earning assets | $81,886,330 | 4,781 |
| Average equity | $8,383,330 | 5,077 |
| Average total loans | $48,537,330 | 4,804 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9812% | 5,913 |
| Cost of funding earning assets | 0.1110% | 6,155 |
| Net interest margin | 2.8703% | 5,504 |
| Noninterest income to average assets | 0.2455% | 5,209 |
| Noninterest expense to average assets | 2.2145% | 5,107 |
| Loan and lease loss provision to assets | 0.0273% | 3,339 |
| Net operating income to assets | 0.7139% | 3,732 |
| Return on assets (ROA) | 0.7139% | 3,857 |
| Pretax return on assets | 0.7094% | 4,564 |
| Return on Equity (ROE) | 7.4806% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.4806% | 1,774 |
| Net charge-offs to loans | 0.0411% | 2,406 |
| Credit loss provision to net charge-offs | 120.0000% | 1,441 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 1,099 |
| Efficiency ratio | 75.0385% | 2,650 |
| Assets per employee ($millions) | 3.7977% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6837% | 5,933 |
| Loan loss allowance to noncurrent loans | 54.1738% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 3,471 |
| Noncurrent loans to loans | 1.2620% | 2,265 |
| Net loans and leases to total assets | 52.8856% | 4,563 |
| Net loans and leases to deposits | 58.9427% | 4,833 |
| Net loans and leases to core deposits | 63.7572% | 4,718 |
| Total domestic deposits to total assets | 89.7237% | 887 |
| Equity capital to assets | 9.7908% | 4,396 |
| Core capital (leverage) ratio | 9.6027% | 4,147 |
| Tier 1 risk-based capital ratio | 18.6818% | 1,953 |
| Total risk-based capital ratio | 19.3802% | 2,052 |
| Memoranda: | ||
| Average total assets | $87,966,500 | 4,862 |
| Average earning assets | $82,919,500 | 4,803 |
| Average equity | $8,395,000 | 5,116 |
| Average total loans | $48,604,500 | 4,827 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0143% | 6,053 |
| Cost of funding earning assets | 0.1246% | 6,226 |
| Net interest margin | 2.8897% | 5,667 |
| Noninterest income to average assets | 0.2361% | 5,446 |
| Noninterest expense to average assets | 2.2196% | 5,300 |
| Loan and lease loss provision to assets | 0.0638% | 3,241 |
| Net operating income to assets | 0.6713% | 4,030 |
| Return on assets (ROA) | 0.6746% | 4,129 |
| Pretax return on assets | 0.6813% | 4,687 |
| Return on Equity (ROE) | 7.3418% | 3,444 |
| Retained earnings to average equity (ytd only) | 0.0365% | 5,750 |
| Net charge-offs to loans | 0.0914% | 3,194 |
| Credit loss provision to net charge-offs | 132.5581% | 1,794 |
| Earnings coverage of net charge-offs (x) | 15.4186% | 2,082 |
| Efficiency ratio | 74.9528% | 2,670 |
| Assets per employee ($millions) | 3.8516% | 4,251 |
| Cash dividends to net income (ytd only)* | 99.5025% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6253% | 6,108 |
| Loan loss allowance to noncurrent loans | 84.5333% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 4,407 |
| Noncurrent loans to loans | 0.7397% | 3,470 |
| Net loans and leases to total assets | 56.8713% | 4,220 |
| Net loans and leases to deposits | 64.5070% | 4,475 |
| Net loans and leases to core deposits | 69.2461% | 4,384 |
| Total domestic deposits to total assets | 88.1629% | 1,679 |
| Equity capital to assets | 9.2994% | 4,952 |
| Core capital (leverage) ratio | 9.3366% | 4,481 |
| Tier 1 risk-based capital ratio | 15.9677% | 2,976 |
| Total risk-based capital ratio | 16.5723% | 3,257 |
| Memoranda: | ||
| Average total assets | $89,386,200 | 4,851 |
| Average earning assets | $84,298,200 | 4,781 |
| Average equity | $8,213,200 | 5,148 |
| Average total loans | $47,044,800 | 4,914 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9855% | 6,149 |
| Cost of funding earning assets | 0.1262% | 6,301 |
| Net interest margin | 2.8593% | 5,780 |
| Noninterest income to average assets | 0.2277% | 5,567 |
| Noninterest expense to average assets | 2.2176% | 5,318 |
| Loan and lease loss provision to assets | 0.0461% | 3,465 |
| Net operating income to assets | 0.6549% | 4,192 |
| Return on assets (ROA) | 0.6593% | 4,267 |
| Pretax return on assets | 0.6653% | 4,819 |
| Return on Equity (ROE) | 7.1969% | 3,612 |
| Retained earnings to average equity (ytd only) | -0.1950% | 5,834 |
| Net charge-offs to loans | 0.1243% | 2,568 |
| Credit loss provision to net charge-offs | 72.0930% | 2,729 |
| Earnings coverage of net charge-offs (x) | 11.0469% | 2,476 |
| Efficiency ratio | 75.8270% | 2,520 |
| Assets per employee ($millions) | 3.8068% | 4,274 |
| Cash dividends to net income (ytd only)* | 102.7089% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6115% | 6,209 |
| Loan loss allowance to noncurrent loans | 69.4511% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 4,461 |
| Noncurrent loans to loans | 0.8805% | 3,370 |
| Net loans and leases to total assets | 54.0174% | 4,573 |
| Net loans and leases to deposits | 59.9906% | 4,945 |
| Net loans and leases to core deposits | 64.4342% | 4,846 |
| Total domestic deposits to total assets | 90.0431% | 716 |
| Equity capital to assets | 9.3973% | 4,927 |
| Core capital (leverage) ratio | 9.4644% | 4,420 |
| Tier 1 risk-based capital ratio | 15.1762% | 3,493 |
| Total risk-based capital ratio | 15.7047% | 3,856 |
| Memoranda: | ||
| Average total assets | $89,586,250 | 4,904 |
| Average earning assets | $84,494,000 | 4,823 |
| Average equity | $8,207,000 | 5,191 |
| Average total loans | $46,131,750 | 4,995 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9449% | 6,226 |
| Cost of funding earning assets | 0.1267% | 6,374 |
| Net interest margin | 2.8182% | 5,864 |
| Noninterest income to average assets | 0.2038% | 5,735 |
| Noninterest expense to average assets | 2.2202% | 5,361 |
| Loan and lease loss provision to assets | 0.0266% | 3,743 |
| Net operating income to assets | 0.6138% | 4,286 |
| Return on assets (ROA) | 0.6204% | 4,343 |
| Pretax return on assets | 0.6248% | 4,874 |
| Return on Equity (ROE) | 6.8293% | 3,707 |
| Retained earnings to average equity (ytd only) | -0.1220% | 5,708 |
| Net charge-offs to loans | 0.0438% | 3,354 |
| Credit loss provision to net charge-offs | 120.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 29.1000% | 1,282 |
| Efficiency ratio | 77.4942% | 2,374 |
| Assets per employee ($millions) | 3.8691% | 4,126 |
| Cash dividends to net income (ytd only)* | 101.7857% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 6,210 |
| Loan loss allowance to noncurrent loans | 49.8366% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 3,927 |
| Noncurrent loans to loans | 1.3582% | 2,543 |
| Net loans and leases to total assets | 50.2916% | 4,928 |
| Net loans and leases to deposits | 55.7349% | 5,214 |
| Net loans and leases to core deposits | 59.8364% | 5,138 |
| Total domestic deposits to total assets | 90.2336% | 696 |
| Equity capital to assets | 9.2989% | 4,985 |
| Core capital (leverage) ratio | 9.2490% | 4,668 |
| Tier 1 risk-based capital ratio | 15.5129% | 3,348 |
| Total risk-based capital ratio | 16.0786% | 3,674 |
| Memoranda: | ||
| Average total assets | $90,262,670 | 4,926 |
| Average earning assets | $85,231,670 | 4,844 |
| Average equity | $8,200,000 | 5,211 |
| Average total loans | $45,646,670 | 5,041 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9184% | 6,314 |
| Cost of funding earning assets | 0.1259% | 6,466 |
| Net interest margin | 2.7925% | 5,951 |
| Noninterest income to average assets | 0.2552% | 5,317 |
| Noninterest expense to average assets | 2.2002% | 5,464 |
| Loan and lease loss provision to assets | 0.0264% | 3,491 |
| Net operating income to assets | 0.6645% | 3,872 |
| Return on assets (ROA) | 0.6645% | 3,962 |
| Pretax return on assets | 0.6645% | 4,619 |
| Return on Equity (ROE) | 7.3997% | 3,252 |
| Retained earnings to average equity (ytd only) | -0.1960% | 5,594 |
| Net charge-offs to loans | 0.0261% | 3,048 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 732 |
| Efficiency ratio | 76.1035% | 2,784 |
| Assets per employee ($millions) | 4.0043% | 3,942 |
| Cash dividends to net income (ytd only)* | 102.6490% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7009% | 6,277 |
| Loan loss allowance to noncurrent loans | 74.8166% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4853% | 4,688 |
| Noncurrent loans to loans | 0.9368% | 3,544 |
| Net loans and leases to total assets | 47.0727% | 5,225 |
| Net loans and leases to deposits | 51.9048% | 5,459 |
| Net loans and leases to core deposits | 55.5422% | 5,382 |
| Total domestic deposits to total assets | 90.6906% | 691 |
| Equity capital to assets | 8.9012% | 5,223 |
| Core capital (leverage) ratio | 8.9882% | 5,027 |
| Tier 1 risk-based capital ratio | 15.6657% | 3,352 |
| Total risk-based capital ratio | 16.2387% | 3,665 |
| Memoranda: | ||
| Average total assets | $90,899,500 | 4,945 |
| Average earning assets | $85,801,500 | 4,871 |
| Average equity | $8,162,500 | 5,246 |
| Average total loans | $45,940,500 | 5,079 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0057% | 6,343 |
| Cost of funding earning assets | 0.1654% | 6,471 |
| Net interest margin | 2.8403% | 5,914 |
| Noninterest income to average assets | 0.2713% | 5,412 |
| Noninterest expense to average assets | 2.2359% | 5,539 |
| Loan and lease loss provision to assets | 0.0819% | 3,475 |
| Net operating income to assets | 0.6257% | 4,131 |
| Return on assets (ROA) | 0.6279% | 4,236 |
| Pretax return on assets | 0.6379% | 4,746 |
| Return on Equity (ROE) | 6.8978% | 3,617 |
| Retained earnings to average equity (ytd only) | 1.6058% | 5,074 |
| Net charge-offs to loans | 0.2118% | 2,770 |
| Credit loss provision to net charge-offs | 77.8947% | 3,096 |
| Earnings coverage of net charge-offs (x) | 6.8211% | 2,975 |
| Efficiency ratio | 75.7030% | 2,825 |
| Assets per employee ($millions) | 3.9000% | 4,064 |
| Cash dividends to net income (ytd only)* | 76.7196% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6284% | 6,446 |
| Loan loss allowance to noncurrent loans | 76.7089% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 4,793 |
| Noncurrent loans to loans | 0.8191% | 3,928 |
| Net loans and leases to total assets | 53.4209% | 4,666 |
| Net loans and leases to deposits | 60.0973% | 4,929 |
| Net loans and leases to core deposits | 64.9762% | 4,777 |
| Total domestic deposits to total assets | 88.8906% | 1,700 |
| Equity capital to assets | 9.0603% | 4,961 |
| Core capital (leverage) ratio | 9.3582% | 4,459 |
| Tier 1 risk-based capital ratio | 14.6490% | 3,868 |
| Total risk-based capital ratio | 15.1794% | 4,279 |
| Memoranda: | ||
| Average total assets | $90,300,000 | 4,975 |
| Average earning assets | $85,272,200 | 4,900 |
| Average equity | $8,220,000 | 5,284 |
| Average total loans | $44,859,600 | 5,156 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 6,472 |
| Cost of funding earning assets | 0.1731% | 6,533 |
| Net interest margin | 2.7716% | 6,059 |
| Noninterest income to average assets | 0.2683% | 5,535 |
| Noninterest expense to average assets | 2.2347% | 5,519 |
| Loan and lease loss provision to assets | 0.1002% | 3,089 |
| Net operating income to assets | 0.5484% | 4,591 |
| Return on assets (ROA) | 0.5513% | 4,726 |
| Pretax return on assets | 0.5557% | 5,185 |
| Return on Equity (ROE) | 6.0492% | 4,163 |
| Retained earnings to average equity (ytd only) | 2.0866% | 5,077 |
| Net charge-offs to loans | 0.2453% | 2,341 |
| Credit loss provision to net charge-offs | 83.9506% | 2,749 |
| Earnings coverage of net charge-offs (x) | 5.4690% | 3,183 |
| Efficiency ratio | 77.3864% | 2,498 |
| Assets per employee ($millions) | 3.8905% | 4,052 |
| Cash dividends to net income (ytd only)* | 65.5089% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6659% | 6,479 |
| Loan loss allowance to noncurrent loans | 56.7518% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 4,549 |
| Noncurrent loans to loans | 1.1734% | 3,472 |
| Net loans and leases to total assets | 51.8434% | 4,889 |
| Net loans and leases to deposits | 57.5416% | 5,232 |
| Net loans and leases to core deposits | 62.7902% | 5,035 |
| Total domestic deposits to total assets | 90.0973% | 938 |
| Equity capital to assets | 9.0310% | 5,154 |
| Core capital (leverage) ratio | 9.2470% | 4,762 |
| Tier 1 risk-based capital ratio | 15.3914% | 3,519 |
| Total risk-based capital ratio | 15.9636% | 3,904 |
| Memoranda: | ||
| Average total assets | $90,450,250 | 5,026 |
| Average earning assets | $85,484,250 | 4,943 |
| Average equity | $8,243,250 | 5,327 |
| Average total loans | $44,019,250 | 5,242 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8549% | 6,574 |
| Cost of funding earning assets | 0.1818% | 6,565 |
| Net interest margin | 2.6731% | 6,226 |
| Noninterest income to average assets | 0.2754% | 5,478 |
| Noninterest expense to average assets | 2.2297% | 5,557 |
| Loan and lease loss provision to assets | 0.0264% | 4,390 |
| Net operating income to assets | 0.5421% | 4,595 |
| Return on assets (ROA) | 0.5464% | 4,737 |
| Pretax return on assets | 0.5508% | 5,196 |
| Return on Equity (ROE) | 5.9778% | 4,189 |
| Retained earnings to average equity (ytd only) | 0.0723% | 5,826 |
| Net charge-offs to loans | 0.1299% | 3,077 |
| Credit loss provision to net charge-offs | 42.8571% | 3,363 |
| Earnings coverage of net charge-offs (x) | 9.2857% | 2,305 |
| Efficiency ratio | 79.5597% | 2,217 |
| Assets per employee ($millions) | 3.9668% | 3,880 |
| Cash dividends to net income (ytd only)* | 98.7903% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 6,451 |
| Loan loss allowance to noncurrent loans | 64.4351% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 4,894 |
| Noncurrent loans to loans | 1.1427% | 3,641 |
| Net loans and leases to total assets | 45.5100% | 5,589 |
| Net loans and leases to deposits | 50.1364% | 5,832 |
| Net loans and leases to core deposits | 54.6680% | 5,700 |
| Total domestic deposits to total assets | 90.7724% | 636 |
| Equity capital to assets | 8.8045% | 5,441 |
| Core capital (leverage) ratio | 8.9703% | 5,041 |
| Tier 1 risk-based capital ratio | 16.5488% | 2,919 |
| Total risk-based capital ratio | 17.1674% | 3,187 |
| Memoranda: | ||
| Average total assets | $90,773,330 | 5,042 |
| Average earning assets | $85,817,330 | 4,955 |
| Average equity | $8,297,330 | 5,364 |
| Average total loans | $43,125,330 | 5,295 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7951% | 6,680 |
| Cost of funding earning assets | 0.2010% | 6,566 |
| Net interest margin | 2.5941% | 6,382 |
| Noninterest income to average assets | 0.2739% | 5,489 |
| Noninterest expense to average assets | 2.2310% | 5,608 |
| Loan and lease loss provision to assets | 0.0265% | 4,133 |
| Net operating income to assets | 0.4683% | 4,830 |
| Return on assets (ROA) | 0.4727% | 4,973 |
| Pretax return on assets | 0.4727% | 5,353 |
| Return on Equity (ROE) | 5.0774% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.8067% | 5,514 |
| Net charge-offs to loans | 0.2193% | 2,113 |
| Credit loss provision to net charge-offs | 25.0000% | 2,964 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,506 |
| Efficiency ratio | 81.8476% | 2,057 |
| Assets per employee ($millions) | 4.0440% | 3,857 |
| Cash dividends to net income (ytd only)* | 84.1121% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 6,528 |
| Loan loss allowance to noncurrent loans | 42.6778% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 4,391 |
| Noncurrent loans to loans | 1.7635% | 2,918 |
| Net loans and leases to total assets | 43.3830% | 5,721 |
| Net loans and leases to deposits | 47.9029% | 5,928 |
| Net loans and leases to core deposits | 52.1304% | 5,815 |
| Total domestic deposits to total assets | 90.5646% | 735 |
| Equity capital to assets | 9.0720% | 5,398 |
| Core capital (leverage) ratio | 8.7824% | 5,215 |
| Tier 1 risk-based capital ratio | 17.1227% | 2,698 |
| Total risk-based capital ratio | 17.7575% | 2,956 |
| Memoranda: | ||
| Average total assets | $90,541,500 | 5,083 |
| Average earning assets | $85,577,500 | 4,994 |
| Average equity | $8,429,500 | 5,380 |
| Average total loans | $43,773,000 | 5,309 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3276% | 6,562 |
| Cost of funding earning assets | 0.2604% | 6,629 |
| Net interest margin | 3.0672% | 5,890 |
| Noninterest income to average assets | 0.3041% | 5,270 |
| Noninterest expense to average assets | 2.2614% | 5,785 |
| Loan and lease loss provision to assets | 0.1498% | 3,734 |
| Net operating income to assets | 0.7696% | 3,416 |
| Return on assets (ROA) | 0.7696% | 3,668 |
| Pretax return on assets | 0.7834% | 4,353 |
| Return on Equity (ROE) | 7.9288% | 3,115 |
| Retained earnings to average equity (ytd only) | 0.0356% | 5,813 |
| Net charge-offs to loans | 0.2939% | 3,180 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.2308% | 2,848 |
| Efficiency ratio | 70.7898% | 3,657 |
| Assets per employee ($millions) | 4.0033% | 3,938 |
| Cash dividends to net income (ytd only)* | 99.5509% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6910% | 6,649 |
| Loan loss allowance to noncurrent loans | 56.1525% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 4,834 |
| Noncurrent loans to loans | 1.2306% | 3,786 |
| Net loans and leases to total assets | 52.8715% | 4,779 |
| Net loans and leases to deposits | 58.6845% | 5,165 |
| Net loans and leases to core deposits | 63.8524% | 4,974 |
| Total domestic deposits to total assets | 90.0945% | 901 |
| Equity capital to assets | 9.5615% | 4,804 |
| Core capital (leverage) ratio | 9.5065% | 4,095 |
| Tier 1 risk-based capital ratio | 15.2430% | 3,585 |
| Total risk-based capital ratio | 15.8426% | 3,922 |
| Memoranda: | ||
| Average total assets | $86,803,000 | 5,166 |
| Average earning assets | $81,801,200 | 5,081 |
| Average equity | $8,425,000 | 5,382 |
| Average total loans | $44,237,000 | 5,317 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 6,693 |
| Cost of funding earning assets | 0.2716% | 6,726 |
| Net interest margin | 3.0683% | 6,019 |
| Noninterest income to average assets | 0.3037% | 5,355 |
| Noninterest expense to average assets | 2.2415% | 5,845 |
| Loan and lease loss provision to assets | 0.0278% | 5,435 |
| Net operating income to assets | 0.9080% | 2,943 |
| Return on assets (ROA) | 0.9080% | 3,174 |
| Pretax return on assets | 0.9250% | 4,011 |
| Return on Equity (ROE) | 9.3201% | 2,667 |
| Retained earnings to average equity (ytd only) | -0.0158% | 6,077 |
| Net charge-offs to loans | 0.1438% | 3,962 |
| Credit loss provision to net charge-offs | 38.2979% | 4,649 |
| Earnings coverage of net charge-offs (x) | 13.1479% | 1,943 |
| Efficiency ratio | 70.1737% | 3,656 |
| Assets per employee ($millions) | 3.8829% | 4,125 |
| Cash dividends to net income (ytd only)* | 100.1706% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6523% | 6,807 |
| Loan loss allowance to noncurrent loans | 38.7139% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 4,503 |
| Noncurrent loans to loans | 1.6849% | 3,268 |
| Net loans and leases to total assets | 52.5971% | 4,967 |
| Net loans and leases to deposits | 59.4572% | 5,263 |
| Net loans and leases to core deposits | 64.4139% | 5,108 |
| Total domestic deposits to total assets | 88.4621% | 1,744 |
| Equity capital to assets | 9.9165% | 4,627 |
| Core capital (leverage) ratio | 9.5813% | 4,145 |
| Tier 1 risk-based capital ratio | 15.6981% | 3,424 |
| Total risk-based capital ratio | 16.2605% | 3,794 |
| Memoranda: | ||
| Average total assets | $86,485,750 | 5,224 |
| Average earning assets | $81,477,000 | 5,126 |
| Average equity | $8,426,000 | 5,431 |
| Average total loans | $43,574,000 | 5,408 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2996% | 6,813 |
| Cost of funding earning assets | 0.2882% | 6,772 |
| Net interest margin | 3.0114% | 6,219 |
| Noninterest income to average assets | 0.3109% | 5,327 |
| Noninterest expense to average assets | 2.2179% | 5,953 |
| Loan and lease loss provision to assets | 0.0276% | 5,323 |
| Net operating income to assets | 0.8867% | 2,973 |
| Return on assets (ROA) | 0.8867% | 3,234 |
| Pretax return on assets | 0.9051% | 4,060 |
| Return on Equity (ROE) | 9.1547% | 2,736 |
| Retained earnings to average equity (ytd only) | -0.1189% | 6,063 |
| Net charge-offs to loans | 0.1859% | 3,466 |
| Credit loss provision to net charge-offs | 30.0000% | 4,444 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,092 |
| Efficiency ratio | 70.3947% | 3,698 |
| Assets per employee ($millions) | 4.1249% | 3,618 |
| Cash dividends to net income (ytd only)* | 101.2987% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6960% | 6,831 |
| Loan loss allowance to noncurrent loans | 38.4915% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 4,549 |
| Noncurrent loans to loans | 1.8083% | 3,202 |
| Net loans and leases to total assets | 48.7532% | 5,527 |
| Net loans and leases to deposits | 54.2696% | 5,841 |
| Net loans and leases to core deposits | 59.4133% | 5,660 |
| Total domestic deposits to total assets | 89.8351% | 1,022 |
| Equity capital to assets | 9.7342% | 4,713 |
| Core capital (leverage) ratio | 9.4746% | 4,175 |
| Tier 1 risk-based capital ratio | 16.2113% | 3,059 |
| Total risk-based capital ratio | 16.7944% | 3,373 |
| Memoranda: | ||
| Average total assets | $86,840,000 | 5,251 |
| Average earning assets | $81,887,670 | 5,155 |
| Average equity | $8,411,000 | 5,445 |
| Average total loans | $43,023,670 | 5,471 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2640% | 6,913 |
| Cost of funding earning assets | 0.3220% | 6,768 |
| Net interest margin | 2.9420% | 6,406 |
| Noninterest income to average assets | 0.2852% | 5,591 |
| Noninterest expense to average assets | 2.1990% | 6,048 |
| Loan and lease loss provision to assets | 0.0276% | 5,013 |
| Net operating income to assets | 0.8097% | 3,333 |
| Return on assets (ROA) | 0.8097% | 3,570 |
| Pretax return on assets | 0.8327% | 4,287 |
| Return on Equity (ROE) | 8.3805% | 3,107 |
| Retained earnings to average equity (ytd only) | -0.1905% | 6,027 |
| Net charge-offs to loans | 0.0092% | 4,602 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 194 |
| Efficiency ratio | 71.8797% | 3,466 |
| Assets per employee ($millions) | 4.2372% | 3,510 |
| Cash dividends to net income (ytd only)* | 102.2727% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 6,737 |
| Loan loss allowance to noncurrent loans | 30.0457% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 4,081 |
| Noncurrent loans to loans | 2.6664% | 2,441 |
| Net loans and leases to total assets | 45.7817% | 5,808 |
| Net loans and leases to deposits | 50.7715% | 6,089 |
| Net loans and leases to core deposits | 55.8699% | 5,913 |
| Total domestic deposits to total assets | 90.1721% | 994 |
| Equity capital to assets | 9.4402% | 4,886 |
| Core capital (leverage) ratio | 9.1604% | 4,589 |
| Tier 1 risk-based capital ratio | 16.6085% | 2,861 |
| Total risk-based capital ratio | 17.2723% | 3,129 |
| Memoranda: | ||
| Average total assets | $86,949,000 | 5,291 |
| Average earning assets | $81,984,500 | 5,190 |
| Average equity | $8,400,500 | 5,463 |
| Average total loans | $43,272,000 | 5,495 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 6,750 |
| Cost of funding earning assets | 0.4747% | 6,637 |
| Net interest margin | 3.3063% | 5,792 |
| Noninterest income to average assets | 0.3625% | 4,916 |
| Noninterest expense to average assets | 2.3699% | 5,848 |
| Loan and lease loss provision to assets | 0.0292% | 6,207 |
| Net operating income to assets | 1.0549% | 1,985 |
| Return on assets (ROA) | 1.0657% | 2,077 |
| Pretax return on assets | 1.0755% | 2,930 |
| Return on Equity (ROE) | 10.4725% | 1,881 |
| Retained earnings to average equity (ytd only) | -0.1076% | 5,866 |
| Net charge-offs to loans | 0.0580% | 5,724 |
| Credit loss provision to net charge-offs | 96.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | 35.9600% | 729 |
| Efficiency ratio | 68.4229% | 4,273 |
| Assets per employee ($millions) | 4.0437% | 3,755 |
| Cash dividends to net income (ytd only)* | 101.0274% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 6,889 |
| Loan loss allowance to noncurrent loans | 27.7397% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 1.3755% | 3,943 |
| Noncurrent loans to loans | 2.5683% | 2,556 |
| Net loans and leases to total assets | 53.1743% | 5,143 |
| Net loans and leases to deposits | 59.2440% | 5,571 |
| Net loans and leases to core deposits | 64.7880% | 5,388 |
| Total domestic deposits to total assets | 89.7547% | 1,126 |
| Equity capital to assets | 9.8932% | 4,316 |
| Core capital (leverage) ratio | 9.6609% | 3,793 |
| Tier 1 risk-based capital ratio | 15.4401% | 3,371 |
| Total risk-based capital ratio | 16.0482% | 3,742 |
| Memoranda: | ||
| Average total assets | $82,197,400 | 5,397 |
| Average earning assets | $77,096,000 | 5,312 |
| Average equity | $8,364,800 | 5,457 |
| Average total loans | $43,100,800 | 5,558 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 6,811 |
| Cost of funding earning assets | 0.4991% | 6,694 |
| Net interest margin | 3.3280% | 5,777 |
| Noninterest income to average assets | 0.3713% | 4,897 |
| Noninterest expense to average assets | 2.4158% | 5,719 |
| Loan and lease loss provision to assets | 0.0294% | 6,070 |
| Net operating income to assets | 1.0355% | 2,195 |
| Return on assets (ROA) | 1.0484% | 2,292 |
| Pretax return on assets | 1.0582% | 3,175 |
| Return on Equity (ROE) | 10.2283% | 2,123 |
| Retained earnings to average equity (ytd only) | 0.0957% | 5,925 |
| Net charge-offs to loans | 0.0219% | 5,841 |
| Credit loss provision to net charge-offs | 257.1429% | 1,113 |
| Earnings coverage of net charge-offs (x) | 93.8885% | 381 |
| Efficiency ratio | 69.2127% | 4,091 |
| Assets per employee ($millions) | 3.9462% | 3,965 |
| Cash dividends to net income (ytd only)* | 99.0639% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 6,886 |
| Loan loss allowance to noncurrent loans | 36.7213% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 1.1041% | 4,567 |
| Noncurrent loans to loans | 2.0543% | 3,296 |
| Net loans and leases to total assets | 53.3407% | 5,270 |
| Net loans and leases to deposits | 59.9897% | 5,630 |
| Net loans and leases to core deposits | 65.6810% | 5,447 |
| Total domestic deposits to total assets | 88.9165% | 1,474 |
| Equity capital to assets | 10.2316% | 4,046 |
| Core capital (leverage) ratio | 10.0301% | 3,393 |
| Tier 1 risk-based capital ratio | 16.0671% | 3,081 |
| Total risk-based capital ratio | 16.7222% | 3,374 |
| Memoranda: | ||
| Average total assets | $81,517,500 | 5,458 |
| Average earning assets | $76,400,000 | 5,368 |
| Average equity | $8,355,750 | 5,485 |
| Average total loans | $42,506,500 | 5,626 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 6,935 |
| Cost of funding earning assets | 0.5237% | 6,768 |
| Net interest margin | 3.2631% | 5,961 |
| Noninterest income to average assets | 0.3725% | 4,890 |
| Noninterest expense to average assets | 2.4276% | 5,758 |
| Loan and lease loss provision to assets | 0.0296% | 5,939 |
| Net operating income to assets | 0.9646% | 2,371 |
| Return on assets (ROA) | 0.9646% | 2,475 |
| Pretax return on assets | 0.9745% | 3,339 |
| Return on Equity (ROE) | 9.4051% | 2,342 |
| Retained earnings to average equity (ytd only) | 0.1443% | 5,782 |
| Net charge-offs to loans | 0.0335% | 5,382 |
| Credit loss provision to net charge-offs | 171.4286% | 1,762 |
| Earnings coverage of net charge-offs (x) | 58.1429% | 550 |
| Efficiency ratio | 70.7405% | 3,974 |
| Assets per employee ($millions) | 3.8910% | 4,009 |
| Cash dividends to net income (ytd only)* | 98.4655% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 6,915 |
| Loan loss allowance to noncurrent loans | 46.1538% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8750% | 5,124 |
| Noncurrent loans to loans | 1.6764% | 3,914 |
| Net loans and leases to total assets | 51.7954% | 5,599 |
| Net loans and leases to deposits | 58.0867% | 5,929 |
| Net loans and leases to core deposits | 63.8341% | 5,737 |
| Total domestic deposits to total assets | 89.1690% | 1,437 |
| Equity capital to assets | 10.3708% | 3,665 |
| Core capital (leverage) ratio | 10.0784% | 3,166 |
| Tier 1 risk-based capital ratio | 16.6126% | 2,690 |
| Total risk-based capital ratio | 17.2771% | 2,927 |
| Memoranda: | ||
| Average total assets | $81,066,330 | 5,522 |
| Average earning assets | $76,002,000 | 5,434 |
| Average equity | $8,314,670 | 5,512 |
| Average total loans | $41,828,670 | 5,711 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 7,060 |
| Cost of funding earning assets | 0.5600% | 6,765 |
| Net interest margin | 3.1489% | 6,222 |
| Noninterest income to average assets | 0.3666% | 4,976 |
| Noninterest expense to average assets | 2.4324% | 5,786 |
| Loan and lease loss provision to assets | 0.0297% | 5,595 |
| Net operating income to assets | 0.8422% | 2,811 |
| Return on assets (ROA) | 0.8422% | 2,869 |
| Pretax return on assets | 0.8570% | 3,674 |
| Return on Equity (ROE) | 8.2574% | 2,796 |
| Retained earnings to average equity (ytd only) | 0.4857% | 5,629 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2836% | 3,637 |
| Assets per employee ($millions) | 3.9456% | 3,955 |
| Cash dividends to net income (ytd only)* | 94.1176% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 6,814 |
| Loan loss allowance to noncurrent loans | 46.6855% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 5,192 |
| Noncurrent loans to loans | 1.8297% | 3,793 |
| Net loans and leases to total assets | 46.3661% | 6,253 |
| Net loans and leases to deposits | 51.7198% | 6,497 |
| Net loans and leases to core deposits | 55.8060% | 6,427 |
| Total domestic deposits to total assets | 89.6486% | 1,391 |
| Equity capital to assets | 9.9387% | 3,856 |
| Core capital (leverage) ratio | 9.9309% | 3,227 |
| Tier 1 risk-based capital ratio | 17.1344% | 2,423 |
| Total risk-based capital ratio | 17.8216% | 2,608 |
| Memoranda: | ||
| Average total assets | $80,744,500 | 5,569 |
| Average earning assets | $75,709,000 | 5,489 |
| Average equity | $8,235,000 | 5,540 |
| Average total loans | $41,417,000 | 5,790 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 6,573 |
| Cost of funding earning assets | 0.8752% | 6,270 |
| Net interest margin | 3.5466% | 5,051 |
| Noninterest income to average assets | 0.3638% | 5,198 |
| Noninterest expense to average assets | 2.6388% | 5,268 |
| Loan and lease loss provision to assets | 0.0307% | 6,825 |
| Net operating income to assets | 0.8698% | 2,508 |
| Return on assets (ROA) | 0.8723% | 2,637 |
| Pretax return on assets | 0.8787% | 3,383 |
| Return on Equity (ROE) | 8.1271% | 2,655 |
| Retained earnings to average equity (ytd only) | 0.2387% | 5,457 |
| Net charge-offs to loans | 0.1260% | 5,634 |
| Credit loss provision to net charge-offs | 44.4444% | 6,331 |
| Earnings coverage of net charge-offs (x) | 13.1111% | 1,442 |
| Efficiency ratio | 74.4220% | 3,316 |
| Assets per employee ($millions) | 3.7443% | 4,375 |
| Cash dividends to net income (ytd only)* | 97.0631% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 7,072 |
| Loan loss allowance to noncurrent loans | 58.5586% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 5,588 |
| Noncurrent loans to loans | 1.2589% | 4,611 |
| Net loans and leases to total assets | 55.6524% | 5,394 |
| Net loans and leases to deposits | 62.4349% | 5,798 |
| Net loans and leases to core deposits | 67.5569% | 5,706 |
| Total domestic deposits to total assets | 89.1366% | 1,582 |
| Equity capital to assets | 10.4730% | 3,180 |
| Core capital (leverage) ratio | 10.4331% | 2,628 |
| Tier 1 risk-based capital ratio | 15.6869% | 2,902 |
| Total risk-based capital ratio | 16.3054% | 3,163 |
| Memoranda: | ||
| Average total assets | $78,067,000 | 5,642 |
| Average earning assets | $70,038,800 | 5,668 |
| Average equity | $8,379,400 | 5,592 |
| Average total loans | $42,858,200 | 5,799 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 6,610 |
| Cost of funding earning assets | 0.9373% | 6,236 |
| Net interest margin | 3.5621% | 5,052 |
| Noninterest income to average assets | 0.4089% | 4,889 |
| Noninterest expense to average assets | 2.6623% | 5,044 |
| Loan and lease loss provision to assets | 0.0308% | 6,762 |
| Net operating income to assets | 0.8692% | 2,743 |
| Return on assets (ROA) | 0.8726% | 2,860 |
| Pretax return on assets | 0.8794% | 3,625 |
| Return on Equity (ROE) | 8.0801% | 2,867 |
| Retained earnings to average equity (ytd only) | 0.0793% | 5,746 |
| Net charge-offs to loans | 0.1692% | 4,948 |
| Credit loss provision to net charge-offs | 33.3333% | 6,115 |
| Earnings coverage of net charge-offs (x) | 9.8146% | 1,959 |
| Efficiency ratio | 74.5925% | 3,215 |
| Assets per employee ($millions) | 3.6898% | 4,530 |
| Cash dividends to net income (ytd only)* | 99.0206% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 7,076 |
| Loan loss allowance to noncurrent loans | 91.9308% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 5,937 |
| Noncurrent loans to loans | 0.8296% | 5,560 |
| Net loans and leases to total assets | 53.5691% | 5,905 |
| Net loans and leases to deposits | 60.8113% | 6,241 |
| Net loans and leases to core deposits | 67.2401% | 6,014 |
| Total domestic deposits to total assets | 88.0906% | 1,909 |
| Equity capital to assets | 10.9376% | 3,016 |
| Core capital (leverage) ratio | 10.6495% | 2,551 |
| Tier 1 risk-based capital ratio | 16.7990% | 2,410 |
| Total risk-based capital ratio | 17.4502% | 2,622 |
| Memoranda: | ||
| Average total assets | $77,926,000 | 5,719 |
| Average earning assets | $69,134,500 | 5,768 |
| Average equity | $8,415,500 | 5,651 |
| Average total loans | $42,551,500 | 5,894 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 6,588 |
| Cost of funding earning assets | 0.9853% | 6,217 |
| Net interest margin | 3.5653% | 4,968 |
| Noninterest income to average assets | 0.3996% | 4,920 |
| Noninterest expense to average assets | 2.6872% | 4,962 |
| Loan and lease loss provision to assets | 0.0307% | 6,634 |
| Net operating income to assets | 0.8096% | 2,924 |
| Return on assets (ROA) | 0.8146% | 3,051 |
| Pretax return on assets | 0.8197% | 3,818 |
| Return on Equity (ROE) | 7.5753% | 3,067 |
| Retained earnings to average equity (ytd only) | -0.0476% | 5,743 |
| Net charge-offs to loans | -0.0234% | 7,305 |
| Credit loss provision to net charge-offs | -240.0000% | 6,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0696% | 3,065 |
| Assets per employee ($millions) | 3.6850% | 4,513 |
| Cash dividends to net income (ytd only)* | 100.6289% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,782 |
| Loan loss allowance to noncurrent loans | 81.0458% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 5,708 |
| Noncurrent loans to loans | 1.1019% | 5,115 |
| Net loans and leases to total assets | 53.3494% | 6,071 |
| Net loans and leases to deposits | 61.0355% | 6,303 |
| Net loans and leases to core deposits | 67.2120% | 6,129 |
| Total domestic deposits to total assets | 87.4073% | 2,322 |
| Equity capital to assets | 10.8922% | 2,977 |
| Core capital (leverage) ratio | 12.2218% | 1,530 |
| Tier 1 risk-based capital ratio | 16.7516% | 2,380 |
| Total risk-based capital ratio | 17.5096% | 2,523 |
| Memoranda: | ||
| Average total assets | $78,073,000 | 5,755 |
| Average earning assets | $68,606,670 | 5,809 |
| Average equity | $8,395,670 | 5,664 |
| Average total loans | $42,793,000 | 5,914 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 6,949 |
| Cost of funding earning assets | 1.0614% | 6,083 |
| Net interest margin | 3.3648% | 5,731 |
| Noninterest income to average assets | 0.2585% | 6,084 |
| Noninterest expense to average assets | 2.7343% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4872% | 4,461 |
| Return on assets (ROA) | 0.4872% | 4,596 |
| Pretax return on assets | 0.4872% | 5,008 |
| Return on Equity (ROE) | 3.9188% | 4,925 |
| Retained earnings to average equity (ytd only) | -0.0800% | 5,851 |
| Net charge-offs to loans | -0.0351% | 7,240 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8765% | 1,923 |
| Assets per employee ($millions) | 4.0068% | 3,856 |
| Cash dividends to net income (ytd only)* | 102.0408% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6391% | 7,446 |
| Loan loss allowance to noncurrent loans | 34.9127% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 4,709 |
| Noncurrent loans to loans | 1.8305% | 4,021 |
| Net loans and leases to total assets | 54.3251% | 5,986 |
| Net loans and leases to deposits | 64.0394% | 6,049 |
| Net loans and leases to core deposits | 75.5694% | 5,313 |
| Total domestic deposits to total assets | 84.8308% | 3,748 |
| Equity capital to assets | 12.4713% | 1,774 |
| Core capital (leverage) ratio | 12.3640% | 1,465 |
| Tier 1 risk-based capital ratio | 18.8621% | 1,750 |
| Total risk-based capital ratio | 19.3974% | 1,884 |
| Memoranda: | ||
| Average total assets | $40,229,500 | 7,078 |
| Average earning assets | $35,425,500 | 7,111 |
| Average equity | $5,001,500 | 6,845 |
| Average total loans | $22,820,500 | 7,001 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 5,980 |
| Cost of funding earning assets | 1.2985% | 6,313 |
| Net interest margin | 3.8266% | 3,589 |
| Noninterest income to average assets | 0.2838% | 6,073 |
| Noninterest expense to average assets | 2.5388% | 5,991 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0372% | 1,715 |
| Return on assets (ROA) | 1.0398% | 1,748 |
| Pretax return on assets | 1.0398% | 2,457 |
| Return on Equity (ROE) | 8.0616% | 2,341 |
| Retained earnings to average equity (ytd only) | 0.1600% | 4,815 |
| Net charge-offs to loans | 0.0310% | 6,815 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 57.4286% | 462 |
| Efficiency ratio | 70.9957% | 4,441 |
| Assets per employee ($millions) | 4.0391% | 3,735 |
| Cash dividends to net income (ytd only)* | 98.0149% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 7,580 |
| Loan loss allowance to noncurrent loans | 27.3810% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2478% | 4,599 |
| Noncurrent loans to loans | 2.1235% | 3,487 |
| Net loans and leases to total assets | 58.4190% | 5,593 |
| Net loans and leases to deposits | 68.6689% | 5,757 |
| Net loans and leases to core deposits | 92.4210% | 4,834 |
| Total domestic deposits to total assets | 85.0734% | 3,519 |
| Equity capital to assets | 12.3939% | 1,798 |
| Core capital (leverage) ratio | 12.7678% | 1,323 |
| Tier 1 risk-based capital ratio | 17.6177% | 1,991 |
| Total risk-based capital ratio | 18.1104% | 2,158 |
| Memoranda: | ||
| Average total assets | $38,758,600 | 7,142 |
| Average earning assets | $33,345,600 | 7,214 |
| Average equity | $4,999,000 | 6,941 |
| Average total loans | $22,557,000 | 7,055 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1705% | 6,008 |
| Cost of funding earning assets | 1.3298% | 6,469 |
| Net interest margin | 3.8407% | 3,475 |
| Noninterest income to average assets | 0.3059% | 6,034 |
| Noninterest expense to average assets | 2.7083% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9213% | 2,338 |
| Return on assets (ROA) | 0.9248% | 2,400 |
| Pretax return on assets | 0.9248% | 3,150 |
| Return on Equity (ROE) | 7.0971% | 3,029 |
| Retained earnings to average equity (ytd only) | 0.0266% | 5,193 |
| Net charge-offs to loans | 0.0419% | 6,314 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 37.8692% | 782 |
| Efficiency ratio | 74.6169% | 3,761 |
| Assets per employee ($millions) | 3.9190% | 3,894 |
| Cash dividends to net income (ytd only)* | 99.6222% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 7,579 |
| Loan loss allowance to noncurrent loans | 47.2603% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 5,641 |
| Noncurrent loans to loans | 1.2710% | 4,815 |
| Net loans and leases to total assets | 58.2700% | 5,851 |
| Net loans and leases to deposits | 68.5066% | 6,085 |
| Net loans and leases to core deposits | 92.0027% | 5,234 |
| Total domestic deposits to total assets | 85.0574% | 3,210 |
| Equity capital to assets | 12.6971% | 1,833 |
| Core capital (leverage) ratio | 12.9057% | 1,405 |
| Tier 1 risk-based capital ratio | 18.4511% | 1,875 |
| Total risk-based capital ratio | 18.9679% | 2,014 |
| Memoranda: | ||
| Average total assets | $38,350,500 | 7,221 |
| Average earning assets | $33,187,750 | 7,281 |
| Average equity | $4,997,250 | 6,998 |
| Average total loans | $22,262,750 | 7,138 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 6,091 |
| Cost of funding earning assets | 1.3458% | 6,663 |
| Net interest margin | 3.8496% | 3,342 |
| Noninterest income to average assets | 0.3257% | 5,905 |
| Noninterest expense to average assets | 2.7370% | 5,232 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9298% | 2,343 |
| Return on assets (ROA) | 0.9351% | 2,420 |
| Pretax return on assets | 0.9298% | 3,243 |
| Return on Equity (ROE) | 7.1138% | 3,158 |
| Retained earnings to average equity (ytd only) | 0.5196% | 4,997 |
| Net charge-offs to loans | 0.0363% | 5,947 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 758 |
| Efficiency ratio | 74.7489% | 3,918 |
| Assets per employee ($millions) | 3.7376% | 4,237 |
| Cash dividends to net income (ytd only)* | 92.6966% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6424% | 7,556 |
| Loan loss allowance to noncurrent loans | 43.2515% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 5,245 |
| Noncurrent loans to loans | 1.4853% | 4,270 |
| Net loans and leases to total assets | 58.3449% | 5,915 |
| Net loans and leases to deposits | 67.7678% | 6,219 |
| Net loans and leases to core deposits | 96.3505% | 4,863 |
| Total domestic deposits to total assets | 86.0954% | 2,733 |
| Equity capital to assets | 13.3080% | 1,557 |
| Core capital (leverage) ratio | 13.0935% | 1,398 |
| Tier 1 risk-based capital ratio | 19.1903% | 1,744 |
| Total risk-based capital ratio | 19.7381% | 1,830 |
| Memoranda: | ||
| Average total assets | $38,070,670 | 7,290 |
| Average earning assets | $32,990,330 | 7,359 |
| Average equity | $5,004,330 | 7,060 |
| Average total loans | $22,025,670 | 7,214 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 6,317 |
| Cost of funding earning assets | 1.3437% | 6,895 |
| Net interest margin | 3.8512% | 3,243 |
| Noninterest income to average assets | 0.2499% | 6,456 |
| Noninterest expense to average assets | 2.7071% | 4,971 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9058% | 2,680 |
| Return on assets (ROA) | 0.9162% | 2,771 |
| Pretax return on assets | 0.8954% | 3,736 |
| Return on Equity (ROE) | 7.0127% | 3,588 |
| Retained earnings to average equity (ytd only) | -0.1594% | 5,680 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3623% | 3,592 |
| Assets per employee ($millions) | 3.7701% | 4,174 |
| Cash dividends to net income (ytd only)* | 102.2727% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6853% | 7,486 |
| Loan loss allowance to noncurrent loans | 537.0370% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 7,381 |
| Noncurrent loans to loans | 0.1276% | 7,155 |
| Net loans and leases to total assets | 55.7386% | 6,278 |
| Net loans and leases to deposits | 64.6386% | 6,494 |
| Net loans and leases to core deposits | 90.4996% | 5,510 |
| Total domestic deposits to total assets | 86.2311% | 2,597 |
| Equity capital to assets | 13.3179% | 1,606 |
| Core capital (leverage) ratio | 12.9161% | 1,509 |
| Tier 1 risk-based capital ratio | 19.3053% | 1,755 |
| Total risk-based capital ratio | 19.8738% | 1,850 |
| Memoranda: | ||
| Average total assets | $38,418,000 | 7,320 |
| Average earning assets | $33,340,000 | 7,389 |
| Average equity | $5,019,500 | 7,100 |
| Average total loans | $22,064,500 | 7,244 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0283% | 5,417 |
| Cost of funding earning assets | 2.1682% | 5,740 |
| Net interest margin | 3.8601% | 3,742 |
| Noninterest income to average assets | 0.2800% | 6,459 |
| Noninterest expense to average assets | 2.5978% | 5,662 |
| Loan and lease loss provision to assets | 0.0080% | 7,270 |
| Net operating income to assets | 1.0002% | 2,560 |
| Return on assets (ROA) | 1.0002% | 2,438 |
| Pretax return on assets | 1.0028% | 3,373 |
| Return on Equity (ROE) | 7.5966% | 3,243 |
| Retained earnings to average equity (ytd only) | 0.0810% | 5,186 |
| Net charge-offs to loans | -0.0092% | 7,844 |
| Credit loss provision to net charge-offs | -150.0000% | 7,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9882% | 3,940 |
| Assets per employee ($millions) | 3.9135% | 3,697 |
| Cash dividends to net income (ytd only)* | 98.9333% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 7,606 |
| Loan loss allowance to noncurrent loans | 198.6301% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 6,810 |
| Noncurrent loans to loans | 0.3178% | 6,421 |
| Net loans and leases to total assets | 58.3238% | 6,158 |
| Net loans and leases to deposits | 67.1679% | 6,539 |
| Net loans and leases to core deposits | 90.1817% | 5,788 |
| Total domestic deposits to total assets | 86.8328% | 2,015 |
| Equity capital to assets | 12.8223% | 1,861 |
| Core capital (leverage) ratio | 13.1479% | 1,501 |
| Tier 1 risk-based capital ratio | 18.3157% | 1,955 |
| Total risk-based capital ratio | 18.8548% | 2,087 |
| Memoranda: | ||
| Average total assets | $37,493,400 | 7,328 |
| Average earning assets | $32,330,800 | 7,394 |
| Average equity | $4,936,400 | 7,166 |
| Average total loans | $21,732,600 | 7,211 |