Home > Kahoka State Bank > Performance and Condition Ratios
Kahoka State Bank, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 4,268 |
| Cost of funding earning assets | 1.0807% | 3,960 |
| Net interest margin | 2.9491% | 3,203 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 2.6019% | 1,952 |
| Loan and lease loss provision to assets | 0.5700% | 143 |
| Net operating income to assets | -0.3944% | 4,367 |
| Return on assets (ROA) | -0.3944% | 4,390 |
| Pretax return on assets | -0.1797% | 4,319 |
| Return on Equity (ROE) | -4.0400% | 4,361 |
| Retained earnings to average equity (ytd only) | -4.0374% | 4,301 |
| Net charge-offs to loans | 0.0511% | 1,392 |
| Credit loss provision to net charge-offs | 2,025.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 13.8333% | 1,975 |
| Efficiency ratio | 82.9040% | 890 |
| Assets per employee ($millions) | 3.4621% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 3,988 |
| Loan loss allowance to noncurrent loans | 19.5822% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 2.2126% | 163 |
| Noncurrent loans to loans | 3.8895% | 119 |
| Net loans and leases to total assets | 56.4500% | 3,224 |
| Net loans and leases to deposits | 63.2779% | 3,407 |
| Net loans and leases to core deposits | 68.0328% | 3,485 |
| Total domestic deposits to total assets | 89.2100% | 827 |
| Equity capital to assets | 10.1115% | 2,227 |
| Core capital (leverage) ratio | 7.2532% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2741% | 1,795 |
| Memoranda: | ||
| Average total assets | $57,137,000 | 4,187 |
| Average earning assets | $52,308,250 | 4,178 |
| Average equity | $5,581,000 | 4,216 |
| Average total loans | $31,329,250 | 4,093 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6564% | 4,529 |
| Cost of funding earning assets | 0.8486% | 4,152 |
| Net interest margin | 1.8078% | 4,361 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 1.5253% | 4,256 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.2446% | 3,931 |
| Return on assets (ROA) | 0.2446% | 3,970 |
| Pretax return on assets | 0.2548% | 3,998 |
| Return on Equity (ROE) | 2.5300% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.5303% | 3,169 |
| Net charge-offs to loans | 0.0814% | 987 |
| Credit loss provision to net charge-offs | 230.7692% | 941 |
| Earnings coverage of net charge-offs (x) | 8.0769% | 2,071 |
| Efficiency ratio | 81.0469% | 1,049 |
| Assets per employee ($millions) | 3.7155% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0363% | 4,448 |
| Loan loss allowance to noncurrent loans | 1.6923% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.1663% | 479 |
| Noncurrent loans to loans | 2.1468% | 338 |
| Net loans and leases to total assets | 54.3100% | 3,391 |
| Net loans and leases to deposits | 60.6262% | 3,542 |
| Net loans and leases to core deposits | 64.0517% | 3,620 |
| Total domestic deposits to total assets | 89.5800% | 821 |
| Equity capital to assets | 9.7859% | 2,205 |
| Core capital (leverage) ratio | 7.2229% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9157% | 2,282 |
| Memoranda: | ||
| Average total assets | $58,872,333 | 4,184 |
| Average earning assets | $54,209,000 | 4,169 |
| Average equity | $5,691,000 | 4,205 |
| Average total loans | $31,925,333 | 4,098 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 2,414 |
| Cost of funding earning assets | 1.6530% | 2,857 |
| Net interest margin | 3.5410% | 1,820 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.8258% | 1,398 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 0.6684% | 2,941 |
| Return on assets (ROA) | 0.6684% | 2,966 |
| Pretax return on assets | 0.7280% | 3,085 |
| Return on Equity (ROE) | 6.9500% | 2,969 |
| Retained earnings to average equity (ytd only) | 6.9541% | 1,846 |
| Net charge-offs to loans | 0.3298% | 275 |
| Credit loss provision to net charge-offs | 92.5926% | 1,212 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 1,872 |
| Efficiency ratio | 75.9786% | 1,555 |
| Assets per employee ($millions) | 3.4766% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,074 |
| Loan loss allowance to noncurrent loans | 46.4762% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7766% | 210 |
| Noncurrent loans to loans | 3.2313% | 147 |
| Net loans and leases to total assets | 54.1600% | 3,327 |
| Net loans and leases to deposits | 60.4716% | 3,491 |
| Net loans and leases to core deposits | 63.5640% | 3,619 |
| Total domestic deposits to total assets | 89.5600% | 939 |
| Equity capital to assets | 9.9337% | 2,055 |
| Core capital (leverage) ratio | 9.7233% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $60,442,000 | 4,191 |
| Average earning assets | $56,142,000 | 4,175 |
| Average equity | $5,809,500 | 4,214 |
| Average total loans | $32,749,000 | 4,107 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 3,367 |
| Cost of funding earning assets | 1.1284% | 2,993 |
| Net interest margin | 3.2150% | 2,844 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.9724% | 1,160 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.2835% | 4,053 |
| Return on assets (ROA) | 0.1908% | 4,193 |
| Pretax return on assets | 0.2429% | 4,147 |
| Return on Equity (ROE) | 2.1000% | 4,143 |
| Retained earnings to average equity (ytd only) | 1.2907% | 3,762 |
| Net charge-offs to loans | 0.4829% | 213 |
| Credit loss provision to net charge-offs | 50.3067% | 2,186 |
| Earnings coverage of net charge-offs (x) | 1.8589% | 2,738 |
| Efficiency ratio | 85.7479% | 575 |
| Assets per employee ($millions) | 3.8614% | 4,207 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,101 |
| Loan loss allowance to noncurrent loans | 52.6316% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.5069% | 249 |
| Noncurrent loans to loans | 2.8210% | 157 |
| Net loans and leases to total assets | 52.6300% | 3,445 |
| Net loans and leases to deposits | 58.5071% | 3,608 |
| Net loans and leases to core deposits | 62.1236% | 3,675 |
| Total domestic deposits to total assets | 89.9500% | 767 |
| Equity capital to assets | 9.3037% | 2,485 |
| Core capital (leverage) ratio | 9.4477% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $61,330,000 | 4,196 |
| Average earning assets | $56,982,200 | 4,173 |
| Average equity | $5,578,200 | 4,204 |
| Average total loans | $33,753,800 | 4,084 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 3,498 |
| Cost of funding earning assets | 1.0202% | 2,979 |
| Net interest margin | 3.1637% | 2,995 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.8096% | 1,416 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4911% | 3,785 |
| Return on assets (ROA) | 0.3594% | 4,035 |
| Pretax return on assets | 0.4269% | 4,024 |
| Return on Equity (ROE) | 3.9700% | 3,985 |
| Retained earnings to average equity (ytd only) | 3.4924% | 3,387 |
| Net charge-offs to loans | 0.1846% | 474 |
| Credit loss provision to net charge-offs | 46.8085% | 1,911 |
| Earnings coverage of net charge-offs (x) | 6.1702% | 2,308 |
| Efficiency ratio | 81.6456% | 751 |
| Assets per employee ($millions) | 3.7887% | 4,243 |
| Cash dividends to net income (ytd only)* | 12.1212% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 826 |
| Loan loss allowance to noncurrent loans | 99.0926% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 593 |
| Noncurrent loans to loans | 1.6469% | 413 |
| Net loans and leases to total assets | 54.2900% | 3,338 |
| Net loans and leases to deposits | 60.3196% | 3,489 |
| Net loans and leases to core deposits | 63.8094% | 3,536 |
| Total domestic deposits to total assets | 90.0100% | 935 |
| Equity capital to assets | 9.4607% | 2,121 |
| Core capital (leverage) ratio | 9.7185% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $61,217,000 | 4,217 |
| Average earning assets | $56,851,500 | 4,196 |
| Average equity | $5,535,750 | 4,215 |
| Average total loans | $33,941,500 | 4,101 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,919 |
| Cost of funding earning assets | 0.9263% | 2,845 |
| Net interest margin | 2.9468% | 3,568 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.7875% | 1,442 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.3513% | 4,087 |
| Return on assets (ROA) | 0.1661% | 4,345 |
| Pretax return on assets | 0.2345% | 4,283 |
| Return on Equity (ROE) | 1.8600% | 4,289 |
| Retained earnings to average equity (ytd only) | 1.1336% | 3,888 |
| Net charge-offs to loans | 0.1935% | 411 |
| Credit loss provision to net charge-offs | 39.3939% | 1,714 |
| Earnings coverage of net charge-offs (x) | 4.7576% | 2,204 |
| Efficiency ratio | 84.5015% | 571 |
| Assets per employee ($millions) | 3.7428% | 4,277 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 864 |
| Loan loss allowance to noncurrent loans | 53.2367% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.7283% | 180 |
| Noncurrent loans to loans | 3.0740% | 136 |
| Net loans and leases to total assets | 55.3100% | 3,166 |
| Net loans and leases to deposits | 61.3247% | 3,345 |
| Net loans and leases to core deposits | 64.8845% | 3,399 |
| Total domestic deposits to total assets | 90.1800% | 871 |
| Equity capital to assets | 9.3130% | 2,304 |
| Core capital (leverage) ratio | 9.5147% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $61,416,333 | 4,231 |
| Average earning assets | $57,214,000 | 4,212 |
| Average equity | $5,469,333 | 4,248 |
| Average total loans | $34,103,000 | 4,113 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6527% | 4,099 |
| Cost of funding earning assets | 0.7862% | 2,785 |
| Net interest margin | 2.8665% | 3,837 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.6503% | 1,808 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4487% | 4,005 |
| Return on assets (ROA) | 0.0643% | 4,430 |
| Pretax return on assets | 0.0772% | 4,418 |
| Return on Equity (ROE) | 0.7400% | 4,395 |
| Retained earnings to average equity (ytd only) | 0.7386% | 3,903 |
| Net charge-offs to loans | 0.1888% | 382 |
| Credit loss provision to net charge-offs | 31.2500% | 1,349 |
| Earnings coverage of net charge-offs (x) | 5.5625% | 1,807 |
| Efficiency ratio | 82.2355% | 693 |
| Assets per employee ($millions) | 3.8331% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 756 |
| Loan loss allowance to noncurrent loans | 134.1176% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 711 |
| Noncurrent loans to loans | 1.2909% | 520 |
| Net loans and leases to total assets | 52.7500% | 3,294 |
| Net loans and leases to deposits | 58.0781% | 3,449 |
| Net loans and leases to core deposits | 61.3408% | 3,483 |
| Total domestic deposits to total assets | 90.8300% | 852 |
| Equity capital to assets | 8.9842% | 2,533 |
| Core capital (leverage) ratio | 9.3762% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $62,182,500 | 4,289 |
| Average earning assets | $57,491,500 | 4,269 |
| Average equity | $5,415,500 | 4,310 |
| Average total loans | $33,892,500 | 4,174 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2385% | 3,742 |
| Cost of funding earning assets | 0.5099% | 1,319 |
| Net interest margin | 2.7285% | 4,015 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.6041% | 1,817 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.2551% | 4,410 |
| Return on assets (ROA) | 0.2551% | 4,388 |
| Pretax return on assets | 0.3158% | 4,366 |
| Return on Equity (ROE) | 3.1300% | 4,279 |
| Retained earnings to average equity (ytd only) | 2.3881% | 3,891 |
| Net charge-offs to loans | 0.0716% | 927 |
| Credit loss provision to net charge-offs | 75.0000% | 1,702 |
| Earnings coverage of net charge-offs (x) | 9.4167% | 2,225 |
| Efficiency ratio | 88.3565% | 347 |
| Assets per employee ($millions) | 3.9397% | 4,305 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 847 |
| Loan loss allowance to noncurrent loans | 189.2508% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 1,046 |
| Noncurrent loans to loans | 0.8806% | 840 |
| Net loans and leases to total assets | 54.3800% | 3,163 |
| Net loans and leases to deposits | 61.7231% | 3,220 |
| Net loans and leases to core deposits | 64.9434% | 3,202 |
| Total domestic deposits to total assets | 88.1100% | 2,034 |
| Equity capital to assets | 8.4413% | 2,747 |
| Core capital (leverage) ratio | 9.2298% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9694% | 981 |
| Memoranda: | ||
| Average total assets | $65,858,800 | 4,272 |
| Average earning assets | $60,399,000 | 4,258 |
| Average equity | $5,359,800 | 4,397 |
| Average total loans | $33,510,200 | 4,179 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1833% | 3,472 |
| Cost of funding earning assets | 0.5083% | 728 |
| Net interest margin | 2.6750% | 3,980 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.4337% | 2,210 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3365% | 4,337 |
| Return on assets (ROA) | 0.3365% | 4,290 |
| Pretax return on assets | 0.4206% | 4,247 |
| Return on Equity (ROE) | 4.1700% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.6750% | 3,562 |
| Net charge-offs to loans | -0.0040% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.4924% | 521 |
| Assets per employee ($millions) | 3.3201% | 4,521 |
| Cash dividends to net income (ytd only)* | 11.9048% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 778 |
| Loan loss allowance to noncurrent loans | 205.1195% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 1,164 |
| Noncurrent loans to loans | 0.8605% | 913 |
| Net loans and leases to total assets | 53.0300% | 3,186 |
| Net loans and leases to deposits | 57.9181% | 3,346 |
| Net loans and leases to core deposits | 61.6601% | 3,259 |
| Total domestic deposits to total assets | 91.5600% | 1,022 |
| Equity capital to assets | 8.3179% | 2,667 |
| Core capital (leverage) ratio | 8.9687% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2146% | 963 |
| Memoranda: | ||
| Average total assets | $66,564,750 | 4,291 |
| Average earning assets | $60,858,250 | 4,281 |
| Average equity | $5,369,500 | 4,433 |
| Average total loans | $33,172,250 | 4,209 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0271% | 3,485 |
| Cost of funding earning assets | 0.5313% | 436 |
| Net interest margin | 2.4957% | 4,093 |
| Noninterest income to average assets | 0.2805% | 3,485 |
| Noninterest expense to average assets | 2.2266% | 2,769 |
| Loan and lease loss provision to assets | 0.0384% | 1,900 |
| Net operating income to assets | 0.2924% | 4,303 |
| Return on assets (ROA) | 0.2924% | 4,250 |
| Pretax return on assets | 0.3042% | 4,290 |
| Return on Equity (ROE) | 3.6597% | 4,106 |
| Retained earnings to average equity (ytd only) | 2.9203% | 3,474 |
| Net charge-offs to loans | -0.0243% | 3,965 |
| Credit loss provision to net charge-offs | -325.0000% | 3,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6667% | 551 |
| Assets per employee ($millions) | 3.8239% | 4,441 |
| Cash dividends to net income (ytd only)* | 20.2020% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 782 |
| Loan loss allowance to noncurrent loans | 60,400.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,069 |
| Noncurrent loans to loans | 0.0030% | 3,986 |
| Net loans and leases to total assets | 50.0569% | 3,374 |
| Net loans and leases to deposits | 54.5717% | 3,501 |
| Net loans and leases to core deposits | 57.7862% | 3,435 |
| Total domestic deposits to total assets | 91.7269% | 955 |
| Equity capital to assets | 8.1869% | 2,977 |
| Core capital (leverage) ratio | 8.4687% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3327% | 946 |
| Memoranda: | ||
| Average total assets | $67,726,000 | 4,326 |
| Average earning assets | $62,106,667 | 4,321 |
| Average equity | $5,410,333 | 4,482 |
| Average total loans | $32,879,333 | 4,265 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8339% | 3,675 |
| Cost of funding earning assets | 0.5794% | 297 |
| Net interest margin | 2.2546% | 4,288 |
| Noninterest income to average assets | 0.2316% | 3,760 |
| Noninterest expense to average assets | 2.1944% | 2,854 |
| Loan and lease loss provision to assets | 0.0463% | 1,536 |
| Net operating income to assets | 0.0405% | 4,517 |
| Return on assets (ROA) | 0.0405% | 4,497 |
| Pretax return on assets | 0.0637% | 4,477 |
| Return on Equity (ROE) | 0.5133% | 4,482 |
| Retained earnings to average equity (ytd only) | 0.5133% | 3,915 |
| Net charge-offs to loans | -0.0244% | 3,997 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2261% | 357 |
| Assets per employee ($millions) | 4.1288% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8370% | 824 |
| Loan loss allowance to noncurrent loans | 210.2113% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 1,495 |
| Noncurrent loans to loans | 0.8739% | 1,069 |
| Net loans and leases to total assets | 45.4509% | 3,627 |
| Net loans and leases to deposits | 49.2824% | 3,791 |
| Net loans and leases to core deposits | 52.1906% | 3,717 |
| Total domestic deposits to total assets | 92.2254% | 499 |
| Equity capital to assets | 7.6407% | 3,834 |
| Core capital (leverage) ratio | 8.2013% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,086,000 | 4,337 |
| Average earning assets | $63,516,000 | 4,330 |
| Average equity | $5,454,500 | 4,523 |
| Average total loans | $32,747,000 | 4,280 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3186% | 3,149 |
| Cost of funding earning assets | 0.7819% | 220 |
| Net interest margin | 2.5367% | 4,142 |
| Noninterest income to average assets | 0.3710% | 3,213 |
| Noninterest expense to average assets | 2.5548% | 2,008 |
| Loan and lease loss provision to assets | 0.0466% | 2,126 |
| Net operating income to assets | 0.0885% | 4,630 |
| Return on assets (ROA) | 0.0885% | 4,639 |
| Pretax return on assets | 0.1009% | 4,636 |
| Return on Equity (ROE) | 1.0053% | 4,611 |
| Retained earnings to average equity (ytd only) | -0.0529% | 4,500 |
| Net charge-offs to loans | 0.0766% | 1,027 |
| Credit loss provision to net charge-offs | 120.0000% | 1,646 |
| Earnings coverage of net charge-offs (x) | 3.8000% | 2,524 |
| Efficiency ratio | 94.5434% | 221 |
| Assets per employee ($millions) | 4.2479% | 4,300 |
| Cash dividends to net income (ytd only)* | 105.2632% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 902 |
| Loan loss allowance to noncurrent loans | 1,029.8246% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 3,353 |
| Noncurrent loans to loans | 0.1728% | 3,087 |
| Net loans and leases to total assets | 47.6827% | 3,520 |
| Net loans and leases to deposits | 51.9792% | 3,742 |
| Net loans and leases to core deposits | 55.4011% | 3,670 |
| Total domestic deposits to total assets | 91.7341% | 256 |
| Equity capital to assets | 8.1364% | 4,282 |
| Core capital (leverage) ratio | 8.3096% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,426,600 | 4,398 |
| Average earning assets | $59,211,800 | 4,388 |
| Average equity | $5,670,200 | 4,562 |
| Average total loans | $32,616,200 | 4,323 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4757% | 2,911 |
| Cost of funding earning assets | 0.8095% | 233 |
| Net interest margin | 2.6662% | 4,032 |
| Noninterest income to average assets | 0.4218% | 2,970 |
| Noninterest expense to average assets | 2.4445% | 2,290 |
| Loan and lease loss provision to assets | 0.0488% | 2,025 |
| Net operating income to assets | 0.2854% | 4,539 |
| Return on assets (ROA) | 0.2854% | 4,560 |
| Pretax return on assets | 0.3756% | 4,519 |
| Return on Equity (ROE) | 3.1783% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.4772% | 4,062 |
| Net charge-offs to loans | -0.0328% | 4,171 |
| Credit loss provision to net charge-offs | -287.5000% | 3,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2231% | 463 |
| Assets per employee ($millions) | 3.9010% | 4,503 |
| Cash dividends to net income (ytd only)* | 22.0588% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9215% | 739 |
| Loan loss allowance to noncurrent loans | 460.9023% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 2,791 |
| Noncurrent loans to loans | 0.4169% | 2,310 |
| Net loans and leases to total assets | 47.1810% | 3,692 |
| Net loans and leases to deposits | 51.7105% | 3,903 |
| Net loans and leases to core deposits | 55.2126% | 3,836 |
| Total domestic deposits to total assets | 91.2406% | 303 |
| Equity capital to assets | 8.5875% | 4,145 |
| Core capital (leverage) ratio | 8.6765% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,541,750 | 4,468 |
| Average earning assets | $58,308,750 | 4,463 |
| Average equity | $5,705,250 | 4,626 |
| Average total loans | $32,521,500 | 4,386 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 2,280 |
| Cost of funding earning assets | 0.8318% | 249 |
| Net interest margin | 2.8888% | 3,599 |
| Noninterest income to average assets | 0.3258% | 3,472 |
| Noninterest expense to average assets | 2.3636% | 2,574 |
| Loan and lease loss provision to assets | 0.0479% | 2,067 |
| Net operating income to assets | 0.4376% | 4,322 |
| Return on assets (ROA) | 0.4376% | 4,364 |
| Pretax return on assets | 0.5653% | 4,286 |
| Return on Equity (ROE) | 4.7997% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.7487% | 3,604 |
| Net charge-offs to loans | -0.0061% | 3,495 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3991% | 823 |
| Assets per employee ($millions) | 3.7716% | 4,567 |
| Cash dividends to net income (ytd only)* | 21.8978% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 723 |
| Loan loss allowance to noncurrent loans | 404.0541% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 2,772 |
| Noncurrent loans to loans | 0.4729% | 2,254 |
| Net loans and leases to total assets | 47.8774% | 3,736 |
| Net loans and leases to deposits | 52.6318% | 3,958 |
| Net loans and leases to core deposits | 54.8855% | 3,972 |
| Total domestic deposits to total assets | 90.9667% | 388 |
| Equity capital to assets | 8.8945% | 3,895 |
| Core capital (leverage) ratio | 8.8249% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,616,667 | 4,508 |
| Average earning assets | $57,463,000 | 4,508 |
| Average equity | $5,708,667 | 4,652 |
| Average total loans | $32,728,000 | 4,413 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 2,039 |
| Cost of funding earning assets | 0.8602% | 269 |
| Net interest margin | 2.9612% | 3,352 |
| Noninterest income to average assets | 0.3233% | 3,478 |
| Noninterest expense to average assets | 2.2565% | 2,921 |
| Loan and lease loss provision to assets | 0.0517% | 2,068 |
| Net operating income to assets | 0.5754% | 4,005 |
| Return on assets (ROA) | 0.5754% | 4,056 |
| Pretax return on assets | 0.7306% | 3,957 |
| Return on Equity (ROE) | 6.2330% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.2330% | 2,820 |
| Net charge-offs to loans | -0.0718% | 4,525 |
| Credit loss provision to net charge-offs | -133.3333% | 2,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2553% | 1,289 |
| Assets per employee ($millions) | 4.2606% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 830 |
| Loan loss allowance to noncurrent loans | 350.5882% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 2,819 |
| Noncurrent loans to loans | 0.5212% | 2,292 |
| Net loans and leases to total assets | 50.1056% | 3,614 |
| Net loans and leases to deposits | 55.1694% | 3,854 |
| Net loans and leases to core deposits | 57.5304% | 3,871 |
| Total domestic deposits to total assets | 90.8213% | 463 |
| Equity capital to assets | 8.9706% | 3,717 |
| Core capital (leverage) ratio | 9.1303% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,866,000 | 4,534 |
| Average earning assets | $56,733,500 | 4,533 |
| Average equity | $5,711,500 | 4,670 |
| Average total loans | $33,444,000 | 4,424 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 2,168 |
| Cost of funding earning assets | 1.0540% | 486 |
| Net interest margin | 3.1345% | 3,537 |
| Noninterest income to average assets | 0.3586% | 3,318 |
| Noninterest expense to average assets | 2.5862% | 2,597 |
| Loan and lease loss provision to assets | 0.0586% | 3,639 |
| Net operating income to assets | 0.4278% | 4,187 |
| Return on assets (ROA) | 0.4278% | 4,267 |
| Pretax return on assets | 0.5591% | 4,165 |
| Return on Equity (ROE) | 4.2587% | 4,099 |
| Retained earnings to average equity (ytd only) | 3.1984% | 3,226 |
| Net charge-offs to loans | 0.3252% | 546 |
| Credit loss provision to net charge-offs | 31.1321% | 3,215 |
| Earnings coverage of net charge-offs (x) | 3.2830% | 3,098 |
| Efficiency ratio | 80.7202% | 836 |
| Assets per employee ($millions) | 4.2731% | 4,153 |
| Cash dividends to net income (ytd only)* | 24.8963% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 1,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 56.3111% | 3,267 |
| Net loans and leases to deposits | 62.3799% | 3,580 |
| Net loans and leases to core deposits | 65.1246% | 3,624 |
| Total domestic deposits to total assets | 90.2713% | 462 |
| Equity capital to assets | 9.5114% | 3,598 |
| Core capital (leverage) ratio | 9.4502% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,337,800 | 4,567 |
| Average earning assets | $51,139,800 | 4,569 |
| Average equity | $5,659,000 | 4,680 |
| Average total loans | $32,591,400 | 4,465 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 2,189 |
| Cost of funding earning assets | 1.0842% | 567 |
| Net interest margin | 3.1838% | 3,535 |
| Noninterest income to average assets | 0.3630% | 3,285 |
| Noninterest expense to average assets | 2.5360% | 2,731 |
| Loan and lease loss provision to assets | 0.0595% | 3,602 |
| Net operating income to assets | 0.5264% | 3,965 |
| Return on assets (ROA) | 0.5264% | 4,060 |
| Pretax return on assets | 0.6538% | 3,999 |
| Return on Equity (ROE) | 5.1669% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.4591% | 2,822 |
| Net charge-offs to loans | 0.4393% | 360 |
| Credit loss provision to net charge-offs | 23.5849% | 2,973 |
| Earnings coverage of net charge-offs (x) | 2.8019% | 2,958 |
| Efficiency ratio | 78.0325% | 1,034 |
| Assets per employee ($millions) | 3.6111% | 4,604 |
| Cash dividends to net income (ytd only)* | 13.6986% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 879 |
| Loan loss allowance to noncurrent loans | 1,045.4545% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 3,957 |
| Noncurrent loans to loans | 0.1635% | 3,732 |
| Net loans and leases to total assets | 57.2165% | 3,501 |
| Net loans and leases to deposits | 63.7128% | 3,811 |
| Net loans and leases to core deposits | 66.6196% | 3,857 |
| Total domestic deposits to total assets | 89.8039% | 499 |
| Equity capital to assets | 9.9538% | 3,268 |
| Core capital (leverage) ratio | 9.7287% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,466,500 | 4,595 |
| Average earning assets | $50,295,000 | 4,599 |
| Average equity | $5,651,250 | 4,698 |
| Average total loans | $32,171,750 | 4,505 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 2,283 |
| Cost of funding earning assets | 1.1004% | 714 |
| Net interest margin | 3.2690% | 3,467 |
| Noninterest income to average assets | 0.3657% | 3,292 |
| Noninterest expense to average assets | 2.6291% | 2,572 |
| Loan and lease loss provision to assets | 0.0622% | 3,520 |
| Net operating income to assets | 0.5156% | 3,969 |
| Return on assets (ROA) | 0.5156% | 4,052 |
| Pretax return on assets | 0.6399% | 3,986 |
| Return on Equity (ROE) | 5.0196% | 3,824 |
| Retained earnings to average equity (ytd only) | 3.9516% | 2,936 |
| Net charge-offs to loans | 0.7007% | 223 |
| Credit loss provision to net charge-offs | 15.3153% | 2,742 |
| Earnings coverage of net charge-offs (x) | 1.7297% | 2,831 |
| Efficiency ratio | 78.9243% | 968 |
| Assets per employee ($millions) | 4.0814% | 4,225 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7591% | 716 |
| Loan loss allowance to noncurrent loans | 124.3363% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 1,572 |
| Noncurrent loans to loans | 1.4148% | 1,092 |
| Net loans and leases to total assets | 54.9300% | 3,790 |
| Net loans and leases to deposits | 61.1773% | 4,059 |
| Net loans and leases to core deposits | 64.0760% | 4,072 |
| Total domestic deposits to total assets | 89.7882% | 462 |
| Equity capital to assets | 9.9930% | 3,214 |
| Core capital (leverage) ratio | 9.8557% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,696,333 | 4,620 |
| Average earning assets | $49,618,333 | 4,628 |
| Average equity | $5,618,000 | 4,727 |
| Average total loans | $31,684,667 | 4,532 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 2,539 |
| Cost of funding earning assets | 1.1176% | 998 |
| Net interest margin | 3.3036% | 3,582 |
| Noninterest income to average assets | 0.3965% | 3,128 |
| Noninterest expense to average assets | 2.6330% | 2,879 |
| Loan and lease loss provision to assets | 0.0748% | 2,801 |
| Net operating income to assets | 0.5685% | 3,687 |
| Return on assets (ROA) | 0.5685% | 3,754 |
| Pretax return on assets | 0.6957% | 3,695 |
| Return on Equity (ROE) | 5.4559% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.4559% | 2,083 |
| Net charge-offs to loans | 1.3818% | 105 |
| Credit loss provision to net charge-offs | 9.1743% | 2,232 |
| Earnings coverage of net charge-offs (x) | 0.9450% | 2,430 |
| Efficiency ratio | 77.3626% | 1,416 |
| Assets per employee ($millions) | 3.4243% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 802 |
| Loan loss allowance to noncurrent loans | 1,185.1064% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 4,177 |
| Noncurrent loans to loans | 0.1470% | 3,933 |
| Net loans and leases to total assets | 57.3272% | 3,722 |
| Net loans and leases to deposits | 64.1366% | 3,978 |
| Net loans and leases to core deposits | 67.3074% | 4,017 |
| Total domestic deposits to total assets | 89.3829% | 519 |
| Equity capital to assets | 10.3616% | 3,461 |
| Core capital (leverage) ratio | 10.1675% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5980% | 1,051 |
| Memoranda: | ||
| Average total assets | $53,474,500 | 4,656 |
| Average earning assets | $48,674,000 | 4,662 |
| Average equity | $5,572,000 | 4,775 |
| Average total loans | $31,552,500 | 4,567 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 3,103 |
| Cost of funding earning assets | 0.9133% | 2,143 |
| Net interest margin | 3.5413% | 3,310 |
| Noninterest income to average assets | 0.4882% | 2,812 |
| Noninterest expense to average assets | 2.7020% | 2,879 |
| Loan and lease loss provision to assets | 0.3148% | 510 |
| Net operating income to assets | 0.5759% | 4,230 |
| Return on assets (ROA) | 0.5759% | 4,286 |
| Pretax return on assets | 0.7472% | 4,090 |
| Return on Equity (ROE) | 5.3830% | 4,113 |
| Retained earnings to average equity (ytd only) | 4.2654% | 2,826 |
| Net charge-offs to loans | 0.1230% | 1,529 |
| Credit loss provision to net charge-offs | 427.0270% | 668 |
| Earnings coverage of net charge-offs (x) | 14.4054% | 2,285 |
| Efficiency ratio | 71.7840% | 1,901 |
| Assets per employee ($millions) | 3.4773% | 4,496 |
| Cash dividends to net income (ytd only)* | 20.7612% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1067% | 390 |
| Loan loss allowance to noncurrent loans | 390.4762% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 3,128 |
| Noncurrent loans to loans | 0.5395% | 2,559 |
| Net loans and leases to total assets | 58.4413% | 3,729 |
| Net loans and leases to deposits | 65.4521% | 3,984 |
| Net loans and leases to core deposits | 68.8570% | 4,034 |
| Total domestic deposits to total assets | 89.2887% | 562 |
| Equity capital to assets | 10.4812% | 3,468 |
| Core capital (leverage) ratio | 10.5747% | 2,880 |
| Tier 1 risk-based capital ratio | 16.9404% | 2,067 |
| Total risk-based capital ratio | 18.1995% | 2,014 |
| Memoranda: | ||
| Average total assets | $50,185,000 | 4,744 |
| Average earning assets | $46,423,600 | 4,741 |
| Average equity | $5,368,800 | 4,843 |
| Average total loans | $30,082,000 | 4,642 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 3,311 |
| Cost of funding earning assets | 0.8877% | 2,284 |
| Net interest margin | 3.5247% | 3,489 |
| Noninterest income to average assets | 0.5044% | 2,699 |
| Noninterest expense to average assets | 2.5168% | 3,390 |
| Loan and lease loss provision to assets | 0.1824% | 997 |
| Net operating income to assets | 0.8559% | 3,499 |
| Return on assets (ROA) | 0.8559% | 3,576 |
| Pretax return on assets | 1.0759% | 3,359 |
| Return on Equity (ROE) | 7.9585% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.2100% | 1,754 |
| Net charge-offs to loans | -0.0224% | 4,611 |
| Credit loss provision to net charge-offs | -1,360.0000% | 4,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,644 |
| Assets per employee ($millions) | 3.3474% | 4,629 |
| Cash dividends to net income (ytd only)* | 9.4047% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 459 |
| Loan loss allowance to noncurrent loans | 251.2397% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 2,594 |
| Noncurrent loans to loans | 0.8012% | 1,969 |
| Net loans and leases to total assets | 58.9433% | 3,773 |
| Net loans and leases to deposits | 66.4124% | 4,037 |
| Net loans and leases to core deposits | 69.2936% | 4,090 |
| Total domestic deposits to total assets | 88.7535% | 706 |
| Equity capital to assets | 11.0334% | 3,072 |
| Core capital (leverage) ratio | 10.9723% | 2,670 |
| Tier 1 risk-based capital ratio | 18.0363% | 1,803 |
| Total risk-based capital ratio | 19.2930% | 1,755 |
| Memoranda: | ||
| Average total assets | $49,691,250 | 4,820 |
| Average earning assets | $46,111,250 | 4,814 |
| Average equity | $5,344,250 | 4,908 |
| Average total loans | $29,817,750 | 4,707 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 3,372 |
| Cost of funding earning assets | 0.8556% | 2,373 |
| Net interest margin | 3.5309% | 3,500 |
| Noninterest income to average assets | 0.4726% | 2,824 |
| Noninterest expense to average assets | 2.4072% | 3,716 |
| Loan and lease loss provision to assets | 0.1091% | 1,715 |
| Net operating income to assets | 1.0017% | 2,914 |
| Return on assets (ROA) | 1.0017% | 2,982 |
| Pretax return on assets | 1.2400% | 2,788 |
| Return on Equity (ROE) | 9.3957% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.2591% | 1,293 |
| Net charge-offs to loans | 0.0472% | 1,969 |
| Credit loss provision to net charge-offs | 385.7143% | 742 |
| Earnings coverage of net charge-offs (x) | 47.7143% | 1,129 |
| Efficiency ratio | 64.0860% | 3,121 |
| Assets per employee ($millions) | 3.5451% | 4,446 |
| Cash dividends to net income (ytd only)* | 12.0968% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 626 |
| Loan loss allowance to noncurrent loans | 399.2806% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,440 |
| Noncurrent loans to loans | 0.4625% | 2,896 |
| Net loans and leases to total assets | 59.4427% | 3,790 |
| Net loans and leases to deposits | 67.6838% | 3,989 |
| Net loans and leases to core deposits | 70.6736% | 4,078 |
| Total domestic deposits to total assets | 87.8241% | 1,185 |
| Equity capital to assets | 10.9810% | 3,086 |
| Core capital (leverage) ratio | 10.8607% | 2,731 |
| Tier 1 risk-based capital ratio | 17.8879% | 1,835 |
| Total risk-based capital ratio | 19.1440% | 1,784 |
| Memoranda: | ||
| Average total assets | $49,518,000 | 4,854 |
| Average earning assets | $46,050,000 | 4,852 |
| Average equity | $5,279,000 | 4,948 |
| Average total loans | $29,689,000 | 4,748 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 3,329 |
| Cost of funding earning assets | 0.8068% | 2,497 |
| Net interest margin | 3.5655% | 3,381 |
| Noninterest income to average assets | 0.4286% | 2,986 |
| Noninterest expense to average assets | 2.4504% | 3,630 |
| Loan and lease loss provision to assets | 0.0970% | 1,807 |
| Net operating income to assets | 0.9462% | 3,062 |
| Return on assets (ROA) | 0.9462% | 3,107 |
| Pretax return on assets | 1.2050% | 2,786 |
| Return on Equity (ROE) | 9.0113% | 2,807 |
| Retained earnings to average equity (ytd only) | 9.0113% | 1,317 |
| Net charge-offs to loans | 0.0136% | 2,216 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 477 |
| Efficiency ratio | 65.3017% | 3,042 |
| Assets per employee ($millions) | 3.8348% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 663 |
| Loan loss allowance to noncurrent loans | 6,066.6667% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,774 |
| Noncurrent loans to loans | 0.0302% | 4,642 |
| Net loans and leases to total assets | 58.6636% | 3,816 |
| Net loans and leases to deposits | 66.2641% | 4,036 |
| Net loans and leases to core deposits | 69.1502% | 4,125 |
| Total domestic deposits to total assets | 88.5300% | 1,074 |
| Equity capital to assets | 10.5954% | 3,256 |
| Core capital (leverage) ratio | 10.7014% | 2,846 |
| Tier 1 risk-based capital ratio | 17.7481% | 1,872 |
| Total risk-based capital ratio | 19.0047% | 1,825 |
| Memoranda: | ||
| Average total assets | $49,461,500 | 4,911 |
| Average earning assets | $46,108,500 | 4,901 |
| Average equity | $5,193,500 | 5,003 |
| Average total loans | $29,505,000 | 4,799 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 3,865 |
| Cost of funding earning assets | 0.6983% | 2,103 |
| Net interest margin | 3.3640% | 4,093 |
| Noninterest income to average assets | 0.4622% | 3,037 |
| Noninterest expense to average assets | 2.6269% | 3,254 |
| Loan and lease loss provision to assets | 0.1320% | 1,660 |
| Net operating income to assets | 0.6562% | 4,268 |
| Return on assets (ROA) | 0.6562% | 4,271 |
| Pretax return on assets | 0.8163% | 4,126 |
| Return on Equity (ROE) | 6.6295% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.4168% | 2,525 |
| Net charge-offs to loans | 0.1183% | 1,557 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 14.3636% | 2,384 |
| Efficiency ratio | 73.4751% | 1,705 |
| Assets per employee ($millions) | 3.5051% | 4,542 |
| Cash dividends to net income (ytd only)* | 18.2927% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 648 |
| Loan loss allowance to noncurrent loans | 4,115.3846% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,730 |
| Noncurrent loans to loans | 0.0445% | 4,550 |
| Net loans and leases to total assets | 58.4541% | 3,915 |
| Net loans and leases to deposits | 65.4288% | 4,158 |
| Net loans and leases to core deposits | 68.2969% | 4,222 |
| Total domestic deposits to total assets | 89.3399% | 718 |
| Equity capital to assets | 10.4033% | 3,281 |
| Core capital (leverage) ratio | 10.5676% | 2,956 |
| Tier 1 risk-based capital ratio | 17.7681% | 1,823 |
| Total risk-based capital ratio | 19.0237% | 1,775 |
| Memoranda: | ||
| Average total assets | $49,982,600 | 4,933 |
| Average earning assets | $46,254,800 | 4,930 |
| Average equity | $4,947,600 | 5,057 |
| Average total loans | $27,894,600 | 4,865 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,977 |
| Cost of funding earning assets | 0.6843% | 1,949 |
| Net interest margin | 3.2980% | 4,281 |
| Noninterest income to average assets | 0.4461% | 3,193 |
| Noninterest expense to average assets | 2.5200% | 3,528 |
| Loan and lease loss provision to assets | 0.1434% | 1,386 |
| Net operating income to assets | 0.6851% | 4,273 |
| Return on assets (ROA) | 0.6851% | 4,286 |
| Pretax return on assets | 0.8285% | 4,225 |
| Return on Equity (ROE) | 7.0084% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.1934% | 2,553 |
| Net charge-offs to loans | 0.1790% | 932 |
| Credit loss provision to net charge-offs | 145.9459% | 1,747 |
| Earnings coverage of net charge-offs (x) | 9.8924% | 2,618 |
| Efficiency ratio | 72.1673% | 1,856 |
| Assets per employee ($millions) | 3.2714% | 4,809 |
| Cash dividends to net income (ytd only)* | 11.6282% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 700 |
| Loan loss allowance to noncurrent loans | 2,595.0000% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 4,774 |
| Noncurrent loans to loans | 0.0700% | 4,565 |
| Net loans and leases to total assets | 57.1376% | 4,121 |
| Net loans and leases to deposits | 63.7880% | 4,342 |
| Net loans and leases to core deposits | 66.5701% | 4,376 |
| Total domestic deposits to total assets | 89.5743% | 649 |
| Equity capital to assets | 10.2342% | 3,414 |
| Core capital (leverage) ratio | 10.2053% | 3,405 |
| Tier 1 risk-based capital ratio | 17.7785% | 1,851 |
| Total risk-based capital ratio | 19.0342% | 1,809 |
| Memoranda: | ||
| Average total assets | $50,210,500 | 4,987 |
| Average earning assets | $46,370,750 | 4,979 |
| Average equity | $4,908,250 | 5,120 |
| Average total loans | $27,563,500 | 4,929 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 4,378 |
| Cost of funding earning assets | 0.6455% | 1,954 |
| Net interest margin | 3.1422% | 4,639 |
| Noninterest income to average assets | 0.4586% | 3,102 |
| Noninterest expense to average assets | 2.4155% | 3,853 |
| Loan and lease loss provision to assets | 0.1581% | 1,186 |
| Net operating income to assets | 0.6523% | 4,337 |
| Return on assets (ROA) | 0.6523% | 4,347 |
| Pretax return on assets | 0.7907% | 4,274 |
| Return on Equity (ROE) | 6.7757% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.5438% | 2,800 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7979% | 2,034 |
| Assets per employee ($millions) | 3.2059% | 4,925 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 604 |
| Loan loss allowance to noncurrent loans | 703.8961% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 4,237 |
| Noncurrent loans to loans | 0.2737% | 3,735 |
| Net loans and leases to total assets | 53.7860% | 4,357 |
| Net loans and leases to deposits | 62.6169% | 4,383 |
| Net loans and leases to core deposits | 64.8421% | 4,437 |
| Total domestic deposits to total assets | 85.8970% | 2,330 |
| Equity capital to assets | 9.6288% | 3,984 |
| Core capital (leverage) ratio | 10.0767% | 3,501 |
| Tier 1 risk-based capital ratio | 17.6940% | 1,890 |
| Total risk-based capital ratio | 18.9493% | 1,845 |
| Memoranda: | ||
| Average total assets | $50,590,330 | 5,037 |
| Average earning assets | $46,783,000 | 5,028 |
| Average equity | $4,870,330 | 5,182 |
| Average total loans | $27,232,330 | 4,989 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,539 |
| Cost of funding earning assets | 0.6204% | 1,910 |
| Net interest margin | 3.0502% | 4,793 |
| Noninterest income to average assets | 0.4061% | 3,418 |
| Noninterest expense to average assets | 2.5638% | 3,447 |
| Loan and lease loss provision to assets | 0.1831% | 929 |
| Net operating income to assets | 0.3822% | 4,961 |
| Return on assets (ROA) | 0.3822% | 4,968 |
| Pretax return on assets | 0.4777% | 4,906 |
| Return on Equity (ROE) | 3.9702% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.9702% | 3,601 |
| Net charge-offs to loans | -0.0149% | 4,415 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5062% | 1,197 |
| Assets per employee ($millions) | 3.6116% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 577 |
| Loan loss allowance to noncurrent loans | 5,844.4444% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 5,029 |
| Noncurrent loans to loans | 0.0337% | 4,818 |
| Net loans and leases to total assets | 51.7543% | 4,454 |
| Net loans and leases to deposits | 57.3193% | 4,624 |
| Net loans and leases to core deposits | 58.9462% | 4,704 |
| Total domestic deposits to total assets | 90.2911% | 547 |
| Equity capital to assets | 9.5724% | 4,018 |
| Core capital (leverage) ratio | 9.9327% | 3,599 |
| Tier 1 risk-based capital ratio | 18.1601% | 1,783 |
| Total risk-based capital ratio | 19.4161% | 1,742 |
| Memoranda: | ||
| Average total assets | $50,238,500 | 5,107 |
| Average earning assets | $46,423,500 | 5,089 |
| Average equity | $4,836,000 | 5,242 |
| Average total loans | $26,783,000 | 5,052 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 4,429 |
| Cost of funding earning assets | 0.6438% | 1,335 |
| Net interest margin | 3.0166% | 4,851 |
| Noninterest income to average assets | 0.4287% | 3,450 |
| Noninterest expense to average assets | 2.5050% | 3,765 |
| Loan and lease loss provision to assets | 0.1541% | 1,464 |
| Net operating income to assets | 0.2469% | 5,025 |
| Return on assets (ROA) | 0.2469% | 5,039 |
| Pretax return on assets | 0.5374% | 4,866 |
| Return on Equity (ROE) | 2.5774% | 4,927 |
| Retained earnings to average equity (ytd only) | 1.3403% | 4,475 |
| Net charge-offs to loans | 0.8347% | 236 |
| Credit loss provision to net charge-offs | 36.1111% | 3,478 |
| Earnings coverage of net charge-offs (x) | 1.6204% | 3,866 |
| Efficiency ratio | 78.3684% | 1,299 |
| Assets per employee ($millions) | 3.5654% | 4,614 |
| Cash dividends to net income (ytd only)* | 48.0000% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 686 |
| Loan loss allowance to noncurrent loans | 7,171.4286% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 5,088 |
| Noncurrent loans to loans | 0.0260% | 4,901 |
| Net loans and leases to total assets | 52.8298% | 4,457 |
| Net loans and leases to deposits | 60.3488% | 4,544 |
| Net loans and leases to core deposits | 62.1392% | 4,649 |
| Total domestic deposits to total assets | 87.5408% | 1,741 |
| Equity capital to assets | 9.6805% | 4,056 |
| Core capital (leverage) ratio | 9.7315% | 3,770 |
| Tier 1 risk-based capital ratio | 18.0828% | 1,779 |
| Total risk-based capital ratio | 19.3383% | 1,727 |
| Memoranda: | ||
| Average total assets | $50,618,000 | 5,145 |
| Average earning assets | $46,442,400 | 5,140 |
| Average equity | $4,849,800 | 5,299 |
| Average total loans | $25,877,200 | 5,134 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 4,523 |
| Cost of funding earning assets | 0.6500% | 1,242 |
| Net interest margin | 2.9651% | 4,997 |
| Noninterest income to average assets | 0.4279% | 3,494 |
| Noninterest expense to average assets | 2.5226% | 3,659 |
| Loan and lease loss provision to assets | 0.1496% | 1,401 |
| Net operating income to assets | 0.3570% | 5,088 |
| Return on assets (ROA) | 0.3570% | 5,108 |
| Pretax return on assets | 0.4620% | 5,096 |
| Return on Equity (ROE) | 3.7355% | 4,935 |
| Retained earnings to average equity (ytd only) | 2.9115% | 4,171 |
| Net charge-offs to loans | 0.8688% | 209 |
| Credit loss provision to net charge-offs | 34.1317% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.3952% | 3,576 |
| Efficiency ratio | 80.4858% | 1,048 |
| Assets per employee ($millions) | 3.8909% | 4,175 |
| Cash dividends to net income (ytd only)* | 22.0592% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 543 |
| Loan loss allowance to noncurrent loans | 375.8865% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 3,956 |
| Noncurrent loans to loans | 0.5412% | 3,081 |
| Net loans and leases to total assets | 50.4606% | 4,669 |
| Net loans and leases to deposits | 55.9811% | 4,876 |
| Net loans and leases to core deposits | 57.5682% | 4,931 |
| Total domestic deposits to total assets | 90.1388% | 426 |
| Equity capital to assets | 9.7189% | 4,228 |
| Core capital (leverage) ratio | 9.6762% | 3,960 |
| Tier 1 risk-based capital ratio | 18.2979% | 1,778 |
| Total risk-based capital ratio | 19.5567% | 1,736 |
| Memoranda: | ||
| Average total assets | $50,793,750 | 5,197 |
| Average earning assets | $46,361,000 | 5,197 |
| Average equity | $4,854,250 | 5,354 |
| Average total loans | $25,628,500 | 5,189 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 4,545 |
| Cost of funding earning assets | 0.6547% | 1,117 |
| Net interest margin | 2.9332% | 5,035 |
| Noninterest income to average assets | 0.4207% | 3,556 |
| Noninterest expense to average assets | 2.5322% | 3,646 |
| Loan and lease loss provision to assets | 0.1376% | 1,503 |
| Net operating income to assets | 0.3264% | 5,158 |
| Return on assets (ROA) | 0.3264% | 5,179 |
| Pretax return on assets | 0.4286% | 5,120 |
| Return on Equity (ROE) | 3.4342% | 4,991 |
| Retained earnings to average equity (ytd only) | 2.1930% | 4,365 |
| Net charge-offs to loans | 0.8867% | 222 |
| Credit loss provision to net charge-offs | 30.9735% | 2,717 |
| Earnings coverage of net charge-offs (x) | 1.2743% | 3,301 |
| Efficiency ratio | 81.7259% | 1,033 |
| Assets per employee ($millions) | 3.6829% | 4,460 |
| Cash dividends to net income (ytd only)* | 36.1446% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2054% | 434 |
| Loan loss allowance to noncurrent loans | 617.5824% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,477 |
| Noncurrent loans to loans | 0.3571% | 3,748 |
| Net loans and leases to total assets | 48.3340% | 4,800 |
| Net loans and leases to deposits | 53.4556% | 4,995 |
| Net loans and leases to core deposits | 54.9296% | 5,046 |
| Total domestic deposits to total assets | 90.4189% | 383 |
| Equity capital to assets | 9.4414% | 4,467 |
| Core capital (leverage) ratio | 9.4047% | 4,225 |
| Tier 1 risk-based capital ratio | 18.4258% | 1,739 |
| Total risk-based capital ratio | 19.6847% | 1,696 |
| Memoranda: | ||
| Average total assets | $50,864,330 | 5,235 |
| Average earning assets | $46,434,330 | 5,226 |
| Average equity | $4,833,670 | 5,398 |
| Average total loans | $25,486,670 | 5,233 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 4,613 |
| Cost of funding earning assets | 0.6502% | 1,076 |
| Net interest margin | 2.8782% | 5,122 |
| Noninterest income to average assets | 0.3484% | 4,056 |
| Noninterest expense to average assets | 2.5655% | 3,606 |
| Loan and lease loss provision to assets | 0.1188% | 1,609 |
| Net operating income to assets | 0.2138% | 5,378 |
| Return on assets (ROA) | 0.2138% | 5,388 |
| Pretax return on assets | 0.2930% | 5,323 |
| Return on Equity (ROE) | 2.2423% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.2423% | 4,243 |
| Net charge-offs to loans | -0.1412% | 5,547 |
| Credit loss provision to net charge-offs | -166.6667% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1702% | 794 |
| Assets per employee ($millions) | 3.7172% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6192% | 274 |
| Loan loss allowance to noncurrent loans | 657.4257% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 4,468 |
| Noncurrent loans to loans | 0.3984% | 3,664 |
| Net loans and leases to total assets | 47.4376% | 4,863 |
| Net loans and leases to deposits | 52.3829% | 5,019 |
| Net loans and leases to core deposits | 53.8113% | 5,069 |
| Total domestic deposits to total assets | 90.5594% | 448 |
| Equity capital to assets | 9.2908% | 4,524 |
| Core capital (leverage) ratio | 9.5188% | 4,107 |
| Tier 1 risk-based capital ratio | 18.2324% | 1,795 |
| Total risk-based capital ratio | 19.4961% | 1,761 |
| Memoranda: | ||
| Average total assets | $50,516,500 | 5,299 |
| Average earning assets | $46,140,500 | 5,292 |
| Average equity | $4,816,500 | 5,454 |
| Average total loans | $25,488,500 | 5,283 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 4,434 |
| Cost of funding earning assets | 0.6635% | 984 |
| Net interest margin | 2.9676% | 5,021 |
| Noninterest income to average assets | 0.4744% | 3,385 |
| Noninterest expense to average assets | 2.6843% | 3,391 |
| Loan and lease loss provision to assets | 0.0945% | 2,475 |
| Net operating income to assets | 0.2711% | 5,282 |
| Return on assets (ROA) | 0.2711% | 5,350 |
| Pretax return on assets | 0.4149% | 5,198 |
| Return on Equity (ROE) | 2.7420% | 5,230 |
| Retained earnings to average equity (ytd only) | 1.4956% | 4,665 |
| Net charge-offs to loans | 0.0525% | 2,984 |
| Credit loss provision to net charge-offs | 353.8462% | 868 |
| Earnings coverage of net charge-offs (x) | 19.0769% | 1,929 |
| Efficiency ratio | 84.0514% | 1,006 |
| Assets per employee ($millions) | 3.4994% | 4,762 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4975% | 314 |
| Loan loss allowance to noncurrent loans | 790.1235% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 4,660 |
| Noncurrent loans to loans | 0.3161% | 4,013 |
| Net loans and leases to total assets | 51.0002% | 4,688 |
| Net loans and leases to deposits | 56.6293% | 4,877 |
| Net loans and leases to core deposits | 58.2791% | 4,948 |
| Total domestic deposits to total assets | 90.0596% | 610 |
| Equity capital to assets | 9.7934% | 3,948 |
| Core capital (leverage) ratio | 9.7980% | 3,751 |
| Tier 1 risk-based capital ratio | 17.9566% | 1,857 |
| Total risk-based capital ratio | 19.2193% | 1,817 |
| Memoranda: | ||
| Average total assets | $48,690,400 | 5,372 |
| Average earning assets | $44,615,200 | 5,362 |
| Average equity | $4,814,000 | 5,496 |
| Average total loans | $24,751,400 | 5,362 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5785% | 4,612 |
| Cost of funding earning assets | 0.6659% | 971 |
| Net interest margin | 2.9126% | 5,168 |
| Noninterest income to average assets | 0.4854% | 3,348 |
| Noninterest expense to average assets | 2.5259% | 3,903 |
| Loan and lease loss provision to assets | 0.0932% | 2,359 |
| Net operating income to assets | 0.3510% | 5,164 |
| Return on assets (ROA) | 0.3510% | 5,243 |
| Pretax return on assets | 0.5293% | 5,062 |
| Return on Equity (ROE) | 3.5421% | 5,069 |
| Retained earnings to average equity (ytd only) | 2.7119% | 4,269 |
| Net charge-offs to loans | -0.0109% | 4,796 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2265% | 1,415 |
| Assets per employee ($millions) | 3.4879% | 4,788 |
| Cash dividends to net income (ytd only)* | 23.4384% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5392% | 323 |
| Loan loss allowance to noncurrent loans | 4,946.1538% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 5,394 |
| Noncurrent loans to loans | 0.0513% | 5,152 |
| Net loans and leases to total assets | 50.5427% | 4,781 |
| Net loans and leases to deposits | 56.2571% | 4,977 |
| Net loans and leases to core deposits | 57.9044% | 5,058 |
| Total domestic deposits to total assets | 89.8423% | 539 |
| Equity capital to assets | 10.0123% | 4,118 |
| Core capital (leverage) ratio | 9.8830% | 3,718 |
| Tier 1 risk-based capital ratio | 18.2424% | 1,851 |
| Total risk-based capital ratio | 19.5032% | 1,821 |
| Memoranda: | ||
| Average total assets | $48,615,000 | 5,428 |
| Average earning assets | $44,450,000 | 5,425 |
| Average equity | $4,818,000 | 5,548 |
| Average total loans | $24,532,750 | 5,422 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5576% | 4,715 |
| Cost of funding earning assets | 0.6600% | 995 |
| Net interest margin | 2.8976% | 5,271 |
| Noninterest income to average assets | 0.4491% | 3,533 |
| Noninterest expense to average assets | 2.4061% | 4,317 |
| Loan and lease loss provision to assets | 0.1112% | 2,017 |
| Net operating income to assets | 0.3626% | 5,146 |
| Return on assets (ROA) | 0.3626% | 5,238 |
| Pretax return on assets | 0.5727% | 4,965 |
| Return on Equity (ROE) | 3.6710% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.4195% | 4,347 |
| Net charge-offs to loans | 0.0082% | 3,415 |
| Credit loss provision to net charge-offs | 2,700.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 381 |
| Efficiency ratio | 77.8667% | 1,810 |
| Assets per employee ($millions) | 3.5171% | 4,726 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6300% | 309 |
| Loan loss allowance to noncurrent loans | 608.6538% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 4,652 |
| Noncurrent loans to loans | 0.4321% | 3,815 |
| Net loans and leases to total assets | 47.5944% | 5,024 |
| Net loans and leases to deposits | 52.8911% | 5,207 |
| Net loans and leases to core deposits | 54.4177% | 5,256 |
| Total domestic deposits to total assets | 89.9856% | 492 |
| Equity capital to assets | 9.8783% | 4,359 |
| Core capital (leverage) ratio | 9.7199% | 3,903 |
| Tier 1 risk-based capital ratio | 19.3519% | 1,613 |
| Total risk-based capital ratio | 20.6159% | 1,564 |
| Memoranda: | ||
| Average total assets | $48,543,330 | 5,492 |
| Average earning assets | $44,243,000 | 5,493 |
| Average equity | $4,794,330 | 5,611 |
| Average total loans | $24,269,330 | 5,492 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5668% | 4,721 |
| Cost of funding earning assets | 0.6518% | 1,043 |
| Net interest margin | 2.9150% | 5,300 |
| Noninterest income to average assets | 0.4482% | 3,497 |
| Noninterest expense to average assets | 2.5397% | 3,944 |
| Loan and lease loss provision to assets | 0.1245% | 1,700 |
| Net operating income to assets | 0.2656% | 5,395 |
| Return on assets (ROA) | 0.2656% | 5,464 |
| Pretax return on assets | 0.4565% | 5,199 |
| Return on Equity (ROE) | 2.6894% | 5,334 |
| Retained earnings to average equity (ytd only) | 2.6894% | 4,164 |
| Net charge-offs to loans | -0.1477% | 5,770 |
| Credit loss provision to net charge-offs | -166.6667% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3830% | 1,443 |
| Assets per employee ($millions) | 3.4835% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6102% | 347 |
| Loan loss allowance to noncurrent loans | 7,011.1111% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 5,573 |
| Noncurrent loans to loans | 0.0372% | 5,345 |
| Net loans and leases to total assets | 48.2745% | 4,949 |
| Net loans and leases to deposits | 53.6629% | 5,122 |
| Net loans and leases to core deposits | 55.2354% | 5,177 |
| Total domestic deposits to total assets | 89.9588% | 615 |
| Equity capital to assets | 9.8813% | 4,238 |
| Core capital (leverage) ratio | 9.9679% | 3,575 |
| Tier 1 risk-based capital ratio | 20.0891% | 1,480 |
| Total risk-based capital ratio | 21.3538% | 1,457 |
| Memoranda: | ||
| Average total assets | $48,195,500 | 5,546 |
| Average earning assets | $44,185,500 | 5,549 |
| Average equity | $4,759,500 | 5,663 |
| Average total loans | $24,370,000 | 5,538 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6447% | 4,542 |
| Cost of funding earning assets | 0.6575% | 1,030 |
| Net interest margin | 2.9872% | 5,170 |
| Noninterest income to average assets | 0.4564% | 3,619 |
| Noninterest expense to average assets | 2.4914% | 4,251 |
| Loan and lease loss provision to assets | 0.0954% | 2,404 |
| Net operating income to assets | 0.4066% | 5,034 |
| Return on assets (ROA) | 0.4066% | 5,116 |
| Pretax return on assets | 0.6120% | 4,802 |
| Return on Equity (ROE) | 4.1686% | 4,867 |
| Retained earnings to average equity (ytd only) | 2.8925% | 4,001 |
| Net charge-offs to loans | 0.0612% | 3,006 |
| Credit loss provision to net charge-offs | 306.6667% | 965 |
| Earnings coverage of net charge-offs (x) | 22.7333% | 1,762 |
| Efficiency ratio | 77.8859% | 1,984 |
| Assets per employee ($millions) | 3.4016% | 4,975 |
| Cash dividends to net income (ytd only)* | 30.6122% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4709% | 413 |
| Loan loss allowance to noncurrent loans | 1,083.9286% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 5,121 |
| Noncurrent loans to loans | 0.2280% | 4,610 |
| Net loans and leases to total assets | 50.3108% | 4,841 |
| Net loans and leases to deposits | 55.9934% | 5,042 |
| Net loans and leases to core deposits | 57.2661% | 5,142 |
| Total domestic deposits to total assets | 89.8513% | 695 |
| Equity capital to assets | 9.8694% | 4,115 |
| Core capital (leverage) ratio | 9.8183% | 3,745 |
| Tier 1 risk-based capital ratio | 19.0800% | 1,689 |
| Total risk-based capital ratio | 20.3415% | 1,639 |
| Memoranda: | ||
| Average total assets | $48,206,400 | 5,580 |
| Average earning assets | $44,255,800 | 5,571 |
| Average equity | $4,701,800 | 5,718 |
| Average total loans | $24,513,800 | 5,572 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,594 |
| Cost of funding earning assets | 0.6557% | 1,060 |
| Net interest margin | 2.9869% | 5,229 |
| Noninterest income to average assets | 0.4577% | 3,657 |
| Noninterest expense to average assets | 2.4128% | 4,472 |
| Loan and lease loss provision to assets | 0.1020% | 2,151 |
| Net operating income to assets | 0.4274% | 5,063 |
| Return on assets (ROA) | 0.4274% | 5,145 |
| Pretax return on assets | 0.6811% | 4,746 |
| Return on Equity (ROE) | 4.3949% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.5443% | 3,944 |
| Net charge-offs to loans | 0.0653% | 2,644 |
| Credit loss provision to net charge-offs | 308.3333% | 940 |
| Earnings coverage of net charge-offs (x) | 23.6663% | 1,725 |
| Efficiency ratio | 75.4961% | 2,319 |
| Assets per employee ($millions) | 3.4322% | 4,920 |
| Cash dividends to net income (ytd only)* | 19.3555% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4540% | 461 |
| Loan loss allowance to noncurrent loans | 5,008.3333% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 5,698 |
| Noncurrent loans to loans | 0.0490% | 5,420 |
| Net loans and leases to total assets | 49.7180% | 4,952 |
| Net loans and leases to deposits | 55.3830% | 5,166 |
| Net loans and leases to core deposits | 56.6261% | 5,274 |
| Total domestic deposits to total assets | 89.7713% | 670 |
| Equity capital to assets | 9.9582% | 4,210 |
| Core capital (leverage) ratio | 9.4753% | 4,329 |
| Tier 1 risk-based capital ratio | 18.1880% | 1,984 |
| Total risk-based capital ratio | 19.4533% | 1,943 |
| Memoranda: | ||
| Average total assets | $48,352,500 | 5,649 |
| Average earning assets | $44,325,500 | 5,644 |
| Average equity | $4,702,250 | 5,799 |
| Average total loans | $24,500,750 | 5,640 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6609% | 4,540 |
| Cost of funding earning assets | 0.6529% | 1,084 |
| Net interest margin | 3.0079% | 5,205 |
| Noninterest income to average assets | 0.4582% | 3,643 |
| Noninterest expense to average assets | 2.4023% | 4,540 |
| Loan and lease loss provision to assets | 0.1156% | 1,910 |
| Net operating income to assets | 0.4623% | 4,932 |
| Return on assets (ROA) | 0.4623% | 5,026 |
| Pretax return on assets | 0.6976% | 4,661 |
| Return on Equity (ROE) | 4.7918% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.5083% | 3,799 |
| Net charge-offs to loans | 0.1224% | 1,787 |
| Credit loss provision to net charge-offs | 186.6667% | 1,309 |
| Earnings coverage of net charge-offs (x) | 13.1333% | 2,158 |
| Efficiency ratio | 74.7112% | 2,572 |
| Assets per employee ($millions) | 3.4727% | 4,850 |
| Cash dividends to net income (ytd only)* | 26.7857% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4417% | 517 |
| Loan loss allowance to noncurrent loans | 654.4444% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 5,127 |
| Noncurrent loans to loans | 0.3731% | 4,374 |
| Net loans and leases to total assets | 48.4059% | 5,065 |
| Net loans and leases to deposits | 53.7294% | 5,274 |
| Net loans and leases to core deposits | 55.3103% | 5,357 |
| Total domestic deposits to total assets | 90.0921% | 619 |
| Equity capital to assets | 9.7186% | 4,379 |
| Core capital (leverage) ratio | 9.2586% | 4,609 |
| Tier 1 risk-based capital ratio | 18.6483% | 1,881 |
| Total risk-based capital ratio | 19.9168% | 1,839 |
| Memoranda: | ||
| Average total assets | $48,453,000 | 5,711 |
| Average earning assets | $44,415,670 | 5,703 |
| Average equity | $4,674,670 | 5,860 |
| Average total loans | $24,504,000 | 5,684 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 4,583 |
| Cost of funding earning assets | 0.6475% | 1,132 |
| Net interest margin | 2.9856% | 5,257 |
| Noninterest income to average assets | 0.4131% | 3,896 |
| Noninterest expense to average assets | 2.5779% | 4,007 |
| Loan and lease loss provision to assets | 0.1239% | 1,676 |
| Net operating income to assets | 0.3388% | 5,285 |
| Return on assets (ROA) | 0.3388% | 5,396 |
| Pretax return on assets | 0.4544% | 5,304 |
| Return on Equity (ROE) | 3.4942% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.4942% | 3,900 |
| Net charge-offs to loans | 0.3078% | 772 |
| Credit loss provision to net charge-offs | 78.9474% | 1,835 |
| Earnings coverage of net charge-offs (x) | 3.6842% | 2,579 |
| Efficiency ratio | 81.6754% | 1,660 |
| Assets per employee ($millions) | 3.7924% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3406% | 671 |
| Loan loss allowance to noncurrent loans | 650.0000% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 4,198 |
| Noncurrent loans to loans | 0.3601% | 4,512 |
| Net loans and leases to total assets | 48.4088% | 4,991 |
| Net loans and leases to deposits | 53.5857% | 5,223 |
| Net loans and leases to core deposits | 55.1305% | 5,304 |
| Total domestic deposits to total assets | 90.3389% | 592 |
| Equity capital to assets | 9.5211% | 4,726 |
| Core capital (leverage) ratio | 9.5367% | 4,217 |
| Tier 1 risk-based capital ratio | 18.6197% | 1,968 |
| Total risk-based capital ratio | 19.8800% | 1,920 |
| Memoranda: | ||
| Average total assets | $48,411,000 | 5,761 |
| Average earning assets | $44,480,500 | 5,749 |
| Average equity | $4,693,500 | 5,908 |
| Average total loans | $24,694,500 | 5,723 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 4,517 |
| Cost of funding earning assets | 0.6511% | 1,396 |
| Net interest margin | 3.1422% | 5,089 |
| Noninterest income to average assets | 0.4402% | 3,901 |
| Noninterest expense to average assets | 2.5266% | 4,461 |
| Loan and lease loss provision to assets | 0.1276% | 2,056 |
| Net operating income to assets | 0.5615% | 4,552 |
| Return on assets (ROA) | 0.5615% | 4,642 |
| Pretax return on assets | 0.6699% | 4,726 |
| Return on Equity (ROE) | 5.7138% | 4,302 |
| Retained earnings to average equity (ytd only) | 4.4152% | 3,039 |
| Net charge-offs to loans | 0.6636% | 579 |
| Credit loss provision to net charge-offs | 37.2671% | 3,729 |
| Earnings coverage of net charge-offs (x) | 2.3292% | 4,185 |
| Efficiency ratio | 76.0077% | 2,510 |
| Assets per employee ($millions) | 3.3944% | 5,073 |
| Cash dividends to net income (ytd only)* | 22.7273% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3085% | 716 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 4,803 |
| Noncurrent loans to loans | 0.0361% | 5,742 |
| Net loans and leases to total assets | 51.2931% | 4,851 |
| Net loans and leases to deposits | 56.9882% | 5,126 |
| Net loans and leases to core deposits | 58.7038% | 5,220 |
| Total domestic deposits to total assets | 90.0065% | 728 |
| Equity capital to assets | 9.8756% | 4,261 |
| Core capital (leverage) ratio | 9.8357% | 3,793 |
| Tier 1 risk-based capital ratio | 17.6680% | 2,255 |
| Total risk-based capital ratio | 18.9311% | 2,216 |
| Memoranda: | ||
| Average total assets | $47,020,600 | 5,858 |
| Average earning assets | $43,155,000 | 5,848 |
| Average equity | $4,620,400 | 5,953 |
| Average total loans | $24,262,200 | 5,810 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,685 |
| Cost of funding earning assets | 0.6497% | 1,458 |
| Net interest margin | 3.1088% | 5,232 |
| Noninterest income to average assets | 0.4520% | 3,882 |
| Noninterest expense to average assets | 2.5105% | 4,495 |
| Loan and lease loss provision to assets | 0.1279% | 1,958 |
| Net operating income to assets | 0.5459% | 4,690 |
| Return on assets (ROA) | 0.5459% | 4,764 |
| Pretax return on assets | 0.6568% | 4,855 |
| Return on Equity (ROE) | 5.5623% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.6931% | 3,290 |
| Net charge-offs to loans | 0.8579% | 384 |
| Credit loss provision to net charge-offs | 29.0323% | 3,464 |
| Earnings coverage of net charge-offs (x) | 1.7807% | 4,076 |
| Efficiency ratio | 76.1864% | 2,466 |
| Assets per employee ($millions) | 3.3540% | 5,135 |
| Cash dividends to net income (ytd only)* | 15.6256% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3186% | 809 |
| Loan loss allowance to noncurrent loans | 11,340.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 6,140 |
| Noncurrent loans to loans | 0.0204% | 5,943 |
| Net loans and leases to total assets | 50.8710% | 4,906 |
| Net loans and leases to deposits | 56.5600% | 5,202 |
| Net loans and leases to core deposits | 58.2780% | 5,317 |
| Total domestic deposits to total assets | 89.9416% | 757 |
| Equity capital to assets | 9.9263% | 4,263 |
| Core capital (leverage) ratio | 9.7902% | 3,950 |
| Tier 1 risk-based capital ratio | 17.9369% | 2,231 |
| Total risk-based capital ratio | 19.1639% | 2,199 |
| Memoranda: | ||
| Average total assets | $46,895,500 | 5,933 |
| Average earning assets | $42,888,250 | 5,921 |
| Average equity | $4,602,250 | 6,020 |
| Average total loans | $24,090,000 | 5,880 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 3,979 |
| Cost of funding earning assets | 0.6432% | 1,565 |
| Net interest margin | 3.2958% | 4,611 |
| Noninterest income to average assets | 0.4352% | 3,986 |
| Noninterest expense to average assets | 2.4618% | 4,692 |
| Loan and lease loss provision to assets | 0.1280% | 1,927 |
| Net operating income to assets | 0.6997% | 3,842 |
| Return on assets (ROA) | 0.6997% | 3,930 |
| Pretax return on assets | 0.8405% | 4,119 |
| Return on Equity (ROE) | 7.1574% | 3,545 |
| Retained earnings to average equity (ytd only) | 5.8481% | 2,414 |
| Net charge-offs to loans | 0.9846% | 360 |
| Credit loss provision to net charge-offs | 25.4237% | 3,112 |
| Earnings coverage of net charge-offs (x) | 1.9237% | 3,686 |
| Efficiency ratio | 71.7662% | 3,386 |
| Assets per employee ($millions) | 3.3931% | 5,070 |
| Cash dividends to net income (ytd only)* | 18.2927% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5231% | 690 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 4,440 |
| Noncurrent loans to loans | 1.0581% | 3,115 |
| Net loans and leases to total assets | 47.9022% | 5,179 |
| Net loans and leases to deposits | 53.1646% | 5,407 |
| Net loans and leases to core deposits | 54.3546% | 5,528 |
| Total domestic deposits to total assets | 90.1017% | 759 |
| Equity capital to assets | 9.7889% | 4,375 |
| Core capital (leverage) ratio | 9.6174% | 4,151 |
| Tier 1 risk-based capital ratio | 18.0976% | 2,206 |
| Total risk-based capital ratio | 19.2956% | 2,196 |
| Memoranda: | ||
| Average total assets | $46,875,330 | 5,990 |
| Average earning assets | $42,600,000 | 5,985 |
| Average equity | $4,582,670 | 6,070 |
| Average total loans | $23,968,670 | 5,930 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,600 |
| Cost of funding earning assets | 0.6310% | 1,725 |
| Net interest margin | 3.3905% | 4,163 |
| Noninterest income to average assets | 0.3952% | 4,226 |
| Noninterest expense to average assets | 2.3882% | 4,962 |
| Loan and lease loss provision to assets | 0.1289% | 1,882 |
| Net operating income to assets | 0.8677% | 2,808 |
| Return on assets (ROA) | 0.8677% | 2,876 |
| Pretax return on assets | 0.9708% | 3,438 |
| Return on Equity (ROE) | 8.8811% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.8811% | 1,287 |
| Net charge-offs to loans | 1.0873% | 306 |
| Credit loss provision to net charge-offs | 22.7273% | 2,477 |
| Earnings coverage of net charge-offs (x) | 1.9394% | 2,982 |
| Efficiency ratio | 68.4729% | 4,098 |
| Assets per employee ($millions) | 3.3611% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6485% | 677 |
| Loan loss allowance to noncurrent loans | 200.6410% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 4,138 |
| Noncurrent loans to loans | 1.3200% | 2,825 |
| Net loans and leases to total assets | 48.9002% | 5,014 |
| Net loans and leases to deposits | 54.2663% | 5,258 |
| Net loans and leases to core deposits | 55.0821% | 5,430 |
| Total domestic deposits to total assets | 90.1116% | 1,005 |
| Equity capital to assets | 9.7503% | 4,165 |
| Core capital (leverage) ratio | 9.5444% | 4,220 |
| Tier 1 risk-based capital ratio | 17.7503% | 2,390 |
| Total risk-based capital ratio | 19.0139% | 2,356 |
| Memoranda: | ||
| Average total assets | $46,561,500 | 6,060 |
| Average earning assets | $42,471,000 | 6,044 |
| Average equity | $4,549,000 | 6,122 |
| Average total loans | $24,281,000 | 5,969 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 4,856 |
| Cost of funding earning assets | 0.6709% | 2,032 |
| Net interest margin | 3.1175% | 5,263 |
| Noninterest income to average assets | 0.4416% | 4,144 |
| Noninterest expense to average assets | 2.6519% | 4,274 |
| Loan and lease loss provision to assets | 0.2733% | 1,288 |
| Net operating income to assets | 0.2673% | 5,630 |
| Return on assets (ROA) | 0.2689% | 5,705 |
| Pretax return on assets | 0.3629% | 5,579 |
| Return on Equity (ROE) | 2.7253% | 5,609 |
| Retained earnings to average equity (ytd only) | 1.3959% | 5,197 |
| Net charge-offs to loans | 0.0082% | 5,287 |
| Credit loss provision to net charge-offs | 6,250.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 317 |
| Efficiency ratio | 80.7053% | 2,055 |
| Assets per employee ($millions) | 3.2906% | 5,310 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7160% | 654 |
| Loan loss allowance to noncurrent loans | 124.6777% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 3,042 |
| Noncurrent loans to loans | 2.1784% | 1,794 |
| Net loans and leases to total assets | 52.6374% | 4,770 |
| Net loans and leases to deposits | 58.4835% | 5,080 |
| Net loans and leases to core deposits | 59.3858% | 5,266 |
| Total domestic deposits to total assets | 90.0039% | 1,076 |
| Equity capital to assets | 9.7899% | 4,053 |
| Core capital (leverage) ratio | 9.4317% | 4,367 |
| Tier 1 risk-based capital ratio | 17.5283% | 2,401 |
| Total risk-based capital ratio | 18.7976% | 2,372 |
| Memoranda: | ||
| Average total assets | $45,741,600 | 6,127 |
| Average earning assets | $41,732,200 | 6,120 |
| Average equity | $4,513,200 | 6,201 |
| Average total loans | $24,399,800 | 6,012 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8128% | 4,808 |
| Cost of funding earning assets | 0.6798% | 2,099 |
| Net interest margin | 3.1330% | 5,221 |
| Noninterest income to average assets | 0.4497% | 4,159 |
| Noninterest expense to average assets | 2.5492% | 4,557 |
| Loan and lease loss provision to assets | 0.3212% | 1,044 |
| Net operating income to assets | 0.3602% | 5,403 |
| Return on assets (ROA) | 0.3650% | 5,523 |
| Pretax return on assets | 0.4380% | 5,535 |
| Return on Equity (ROE) | 3.6921% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.8059% | 4,641 |
| Net charge-offs to loans | 0.0384% | 4,378 |
| Credit loss provision to net charge-offs | 1,571.4286% | 203 |
| Earnings coverage of net charge-offs (x) | 36.8692% | 1,063 |
| Efficiency ratio | 77.1883% | 2,526 |
| Assets per employee ($millions) | 3.2758% | 5,330 |
| Cash dividends to net income (ytd only)* | 24.0010% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7064% | 737 |
| Loan loss allowance to noncurrent loans | 204.0373% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 4,354 |
| Noncurrent loans to loans | 1.3264% | 3,202 |
| Net loans and leases to total assets | 51.5013% | 4,939 |
| Net loans and leases to deposits | 57.2512% | 5,259 |
| Net loans and leases to core deposits | 58.1362% | 5,441 |
| Total domestic deposits to total assets | 89.9566% | 1,024 |
| Equity capital to assets | 9.9082% | 4,039 |
| Core capital (leverage) ratio | 9.8518% | 3,887 |
| Tier 1 risk-based capital ratio | 18.6406% | 2,099 |
| Total risk-based capital ratio | 19.9086% | 2,065 |
| Memoranda: | ||
| Average total assets | $45,660,000 | 6,199 |
| Average earning assets | $41,578,000 | 6,194 |
| Average equity | $4,514,000 | 6,279 |
| Average total loans | $24,268,250 | 6,079 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 4,595 |
| Cost of funding earning assets | 0.6839% | 2,191 |
| Net interest margin | 3.1834% | 4,997 |
| Noninterest income to average assets | 0.4474% | 4,180 |
| Noninterest expense to average assets | 2.6100% | 4,342 |
| Loan and lease loss provision to assets | 0.3729% | 875 |
| Net operating income to assets | 0.2947% | 5,618 |
| Return on assets (ROA) | 0.2983% | 5,755 |
| Pretax return on assets | 0.3685% | 5,709 |
| Return on Equity (ROE) | 3.0195% | 5,615 |
| Retained earnings to average equity (ytd only) | 1.6874% | 5,171 |
| Net charge-offs to loans | 0.0165% | 4,511 |
| Credit loss provision to net charge-offs | 4,250.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 539 |
| Efficiency ratio | 77.9817% | 2,455 |
| Assets per employee ($millions) | 3.2604% | 5,352 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6764% | 806 |
| Loan loss allowance to noncurrent loans | 405.7325% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 5,452 |
| Noncurrent loans to loans | 0.6596% | 4,620 |
| Net loans and leases to total assets | 50.7482% | 5,028 |
| Net loans and leases to deposits | 56.3409% | 5,297 |
| Net loans and leases to core deposits | 57.6405% | 5,455 |
| Total domestic deposits to total assets | 90.0734% | 987 |
| Equity capital to assets | 9.8083% | 4,175 |
| Core capital (leverage) ratio | 9.6711% | 3,981 |
| Tier 1 risk-based capital ratio | 18.6411% | 2,100 |
| Total risk-based capital ratio | 19.9083% | 2,058 |
| Memoranda: | ||
| Average total assets | $45,593,000 | 6,245 |
| Average earning assets | $41,527,670 | 6,239 |
| Average equity | $4,504,000 | 6,330 |
| Average total loans | $24,265,670 | 6,106 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 4,436 |
| Cost of funding earning assets | 0.6915% | 2,295 |
| Net interest margin | 3.2176% | 4,856 |
| Noninterest income to average assets | 0.4652% | 4,022 |
| Noninterest expense to average assets | 2.5457% | 4,585 |
| Loan and lease loss provision to assets | 0.3950% | 788 |
| Net operating income to assets | 0.4214% | 5,043 |
| Return on assets (ROA) | 0.4214% | 5,194 |
| Pretax return on assets | 0.4652% | 5,374 |
| Return on Equity (ROE) | 4.2501% | 4,973 |
| Retained earnings to average equity (ytd only) | 4.2501% | 3,681 |
| Net charge-offs to loans | 0.0490% | 3,343 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 32.6667% | 920 |
| Efficiency ratio | 74.7423% | 3,131 |
| Assets per employee ($millions) | 3.3128% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4727% | 1,146 |
| Loan loss allowance to noncurrent loans | 1,241.6667% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 6,272 |
| Noncurrent loans to loans | 0.1991% | 5,905 |
| Net loans and leases to total assets | 50.6846% | 4,896 |
| Net loans and leases to deposits | 56.2678% | 5,217 |
| Net loans and leases to core deposits | 57.5475% | 5,378 |
| Total domestic deposits to total assets | 90.0774% | 998 |
| Equity capital to assets | 9.7846% | 4,448 |
| Core capital (leverage) ratio | 9.7594% | 3,719 |
| Tier 1 risk-based capital ratio | 18.4817% | 2,201 |
| Total risk-based capital ratio | 19.7476% | 2,161 |
| Memoranda: | ||
| Average total assets | $45,567,000 | 6,303 |
| Average earning assets | $41,646,000 | 6,293 |
| Average equity | $4,517,500 | 6,387 |
| Average total loans | $24,498,000 | 6,144 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 4,579 |
| Cost of funding earning assets | 0.9914% | 1,402 |
| Net interest margin | 3.2139% | 5,537 |
| Noninterest income to average assets | 0.4300% | 4,381 |
| Noninterest expense to average assets | 2.6034% | 4,732 |
| Loan and lease loss provision to assets | 0.3919% | 1,660 |
| Net operating income to assets | 0.4385% | 4,934 |
| Return on assets (ROA) | 0.4279% | 5,224 |
| Pretax return on assets | 0.4046% | 5,564 |
| Return on Equity (ROE) | 4.5516% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.4250% | 3,816 |
| Net charge-offs to loans | 0.6256% | 1,876 |
| Credit loss provision to net charge-offs | 115.6250% | 2,502 |
| Earnings coverage of net charge-offs (x) | 2.3813% | 4,218 |
| Efficiency ratio | 76.3354% | 2,692 |
| Assets per employee ($millions) | 3.1968% | 5,625 |
| Cash dividends to net income (ytd only)* | 24.7525% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2255% | 1,511 |
| Loan loss allowance to noncurrent loans | 583.1579% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 6,031 |
| Noncurrent loans to loans | 0.3816% | 5,544 |
| Net loans and leases to total assets | 54.3828% | 4,571 |
| Net loans and leases to deposits | 60.5448% | 4,967 |
| Net loans and leases to core deposits | 61.4652% | 5,207 |
| Total domestic deposits to total assets | 89.8224% | 1,054 |
| Equity capital to assets | 10.0480% | 4,107 |
| Core capital (leverage) ratio | 9.7271% | 3,762 |
| Tier 1 risk-based capital ratio | 17.8087% | 2,328 |
| Total risk-based capital ratio | 19.0738% | 2,298 |
| Memoranda: | ||
| Average total assets | $47,206,800 | 6,284 |
| Average earning assets | $43,778,200 | 6,242 |
| Average equity | $4,438,000 | 6,459 |
| Average total loans | $25,573,600 | 6,158 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 4,946 |
| Cost of funding earning assets | 1.0724% | 1,186 |
| Net interest margin | 3.0881% | 5,966 |
| Noninterest income to average assets | 0.5074% | 3,871 |
| Noninterest expense to average assets | 2.5094% | 5,054 |
| Loan and lease loss provision to assets | 0.4043% | 1,583 |
| Net operating income to assets | 0.4963% | 4,854 |
| Return on assets (ROA) | 0.4768% | 5,189 |
| Pretax return on assets | 0.4405% | 5,621 |
| Return on Equity (ROE) | 5.1544% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.4008% | 3,792 |
| Net charge-offs to loans | 0.7872% | 1,406 |
| Credit loss provision to net charge-offs | 95.3947% | 3,132 |
| Earnings coverage of net charge-offs (x) | 2.0395% | 4,250 |
| Efficiency ratio | 74.3802% | 2,921 |
| Assets per employee ($millions) | 3.2580% | 5,519 |
| Cash dividends to net income (ytd only)* | 14.6191% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1101% | 1,882 |
| Loan loss allowance to noncurrent loans | 202.3256% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 4,969 |
| Noncurrent loans to loans | 1.0429% | 4,356 |
| Net loans and leases to total assets | 53.0913% | 4,896 |
| Net loans and leases to deposits | 59.7483% | 5,238 |
| Net loans and leases to core deposits | 60.6461% | 5,492 |
| Total domestic deposits to total assets | 88.8582% | 1,509 |
| Equity capital to assets | 9.8636% | 4,688 |
| Core capital (leverage) ratio | 9.6129% | 4,101 |
| Tier 1 risk-based capital ratio | 17.7120% | 2,456 |
| Total risk-based capital ratio | 18.9720% | 2,422 |
| Memoranda: | ||
| Average total assets | $47,819,750 | 6,344 |
| Average earning assets | $44,384,500 | 6,298 |
| Average equity | $4,423,250 | 6,535 |
| Average total loans | $25,743,750 | 6,233 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 4,655 |
| Cost of funding earning assets | 1.1922% | 846 |
| Net interest margin | 3.0855% | 6,046 |
| Noninterest income to average assets | 0.4943% | 3,954 |
| Noninterest expense to average assets | 2.5208% | 5,074 |
| Loan and lease loss provision to assets | 0.3501% | 1,879 |
| Net operating income to assets | 0.5396% | 4,630 |
| Return on assets (ROA) | 0.5108% | 5,035 |
| Pretax return on assets | 0.4407% | 5,597 |
| Return on Equity (ROE) | 5.6389% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.5020% | 3,611 |
| Net charge-offs to loans | 0.6365% | 1,725 |
| Credit loss provision to net charge-offs | 102.4096% | 2,656 |
| Earnings coverage of net charge-offs (x) | 2.3976% | 3,796 |
| Efficiency ratio | 75.4624% | 2,829 |
| Assets per employee ($millions) | 3.4064% | 5,201 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0598% | 2,085 |
| Loan loss allowance to noncurrent loans | 366.2069% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 6,006 |
| Noncurrent loans to loans | 0.5625% | 5,383 |
| Net loans and leases to total assets | 52.9430% | 4,970 |
| Net loans and leases to deposits | 58.5000% | 5,397 |
| Net loans and leases to core deposits | 59.7558% | 5,616 |
| Total domestic deposits to total assets | 90.5010% | 662 |
| Equity capital to assets | 9.3145% | 5,299 |
| Core capital (leverage) ratio | 9.0133% | 4,893 |
| Tier 1 risk-based capital ratio | 16.9433% | 2,690 |
| Total risk-based capital ratio | 18.2043% | 2,650 |
| Memoranda: | ||
| Average total assets | $48,555,670 | 6,365 |
| Average earning assets | $44,790,670 | 6,320 |
| Average equity | $4,398,000 | 6,572 |
| Average total loans | $26,079,000 | 6,257 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 4,618 |
| Cost of funding earning assets | 1.3217% | 578 |
| Net interest margin | 3.0071% | 6,284 |
| Noninterest income to average assets | 0.4654% | 4,184 |
| Noninterest expense to average assets | 2.3842% | 5,527 |
| Loan and lease loss provision to assets | 0.2450% | 2,506 |
| Net operating income to assets | 0.8002% | 3,380 |
| Return on assets (ROA) | 0.7838% | 3,697 |
| Pretax return on assets | 0.5879% | 5,153 |
| Return on Equity (ROE) | 8.7751% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.7751% | 1,669 |
| Net charge-offs to loans | -0.0305% | 6,343 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7374% | 3,137 |
| Assets per employee ($millions) | 3.5617% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1644% | 1,957 |
| Loan loss allowance to noncurrent loans | 348.4472% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 6,080 |
| Noncurrent loans to loans | 0.6211% | 5,408 |
| Net loans and leases to total assets | 50.8563% | 5,185 |
| Net loans and leases to deposits | 55.9913% | 5,600 |
| Net loans and leases to core deposits | 57.2955% | 5,786 |
| Total domestic deposits to total assets | 90.8291% | 628 |
| Equity capital to assets | 8.8761% | 5,665 |
| Core capital (leverage) ratio | 8.9643% | 4,893 |
| Tier 1 risk-based capital ratio | 16.5364% | 2,893 |
| Total risk-based capital ratio | 17.7979% | 2,852 |
| Memoranda: | ||
| Average total assets | $48,989,000 | 6,395 |
| Average earning assets | $45,094,000 | 6,361 |
| Average equity | $4,376,000 | 6,615 |
| Average total loans | $26,229,000 | 6,294 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 4,620 |
| Cost of funding earning assets | 1.8352% | 189 |
| Net interest margin | 2.7785% | 6,843 |
| Noninterest income to average assets | 0.4994% | 3,844 |
| Noninterest expense to average assets | 2.4952% | 5,484 |
| Loan and lease loss provision to assets | 0.4215% | 2,486 |
| Net operating income to assets | 0.1502% | 5,734 |
| Return on assets (ROA) | 0.1538% | 5,862 |
| Pretax return on assets | 0.1698% | 5,854 |
| Return on Equity (ROE) | 1.7965% | 5,734 |
| Retained earnings to average equity (ytd only) | 0.7466% | 5,505 |
| Net charge-offs to loans | 0.2392% | 4,280 |
| Credit loss provision to net charge-offs | 324.6154% | 717 |
| Earnings coverage of net charge-offs (x) | 4.5231% | 3,080 |
| Efficiency ratio | 80.9462% | 2,169 |
| Assets per employee ($millions) | 3.4367% | 5,166 |
| Cash dividends to net income (ytd only)* | 58.4416% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9934% | 2,305 |
| Loan loss allowance to noncurrent loans | 622.3529% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 6,508 |
| Noncurrent loans to loans | 0.3203% | 6,092 |
| Net loans and leases to total assets | 54.0570% | 5,029 |
| Net loans and leases to deposits | 59.5731% | 5,538 |
| Net loans and leases to core deposits | 61.0139% | 5,752 |
| Total domestic deposits to total assets | 90.7407% | 607 |
| Equity capital to assets | 8.9911% | 5,558 |
| Core capital (leverage) ratio | 8.7517% | 5,167 |
| Tier 1 risk-based capital ratio | 16.1663% | 2,969 |
| Total risk-based capital ratio | 17.4261% | 2,931 |
| Memoranda: | ||
| Average total assets | $50,055,600 | 6,364 |
| Average earning assets | $46,535,200 | 6,310 |
| Average equity | $4,286,200 | 6,658 |
| Average total loans | $27,174,200 | 6,285 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 4,977 |
| Cost of funding earning assets | 1.9455% | 149 |
| Net interest margin | 2.6300% | 7,051 |
| Noninterest income to average assets | 0.5065% | 3,821 |
| Noninterest expense to average assets | 2.4112% | 5,737 |
| Loan and lease loss provision to assets | 0.3693% | 2,641 |
| Net operating income to assets | 0.1474% | 5,844 |
| Return on assets (ROA) | 0.1451% | 5,971 |
| Pretax return on assets | 0.1662% | 5,964 |
| Return on Equity (ROE) | 1.7148% | 5,869 |
| Retained earnings to average equity (ytd only) | 0.9354% | 5,628 |
| Net charge-offs to loans | 0.0683% | 5,277 |
| Credit loss provision to net charge-offs | 1,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 14.5683% | 1,524 |
| Efficiency ratio | 81.7531% | 2,010 |
| Assets per employee ($millions) | 3.4431% | 5,135 |
| Cash dividends to net income (ytd only)* | 45.4521% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 2,645 |
| Loan loss allowance to noncurrent loans | 83.5796% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 4,273 |
| Noncurrent loans to loans | 2.2610% | 3,039 |
| Net loans and leases to total assets | 54.8212% | 5,025 |
| Net loans and leases to deposits | 61.1359% | 5,497 |
| Net loans and leases to core deposits | 63.2504% | 5,696 |
| Total domestic deposits to total assets | 89.6710% | 1,056 |
| Equity capital to assets | 8.9785% | 5,776 |
| Core capital (leverage) ratio | 8.6978% | 5,414 |
| Tier 1 risk-based capital ratio | 15.8411% | 3,196 |
| Total risk-based capital ratio | 17.0990% | 3,153 |
| Memoranda: | ||
| Average total assets | $50,541,000 | 6,409 |
| Average earning assets | $46,945,250 | 6,344 |
| Average equity | $4,276,250 | 6,717 |
| Average total loans | $27,333,250 | 6,335 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 4,807 |
| Cost of funding earning assets | 2.0639% | 118 |
| Net interest margin | 2.5735% | 7,137 |
| Noninterest income to average assets | 0.5066% | 3,810 |
| Noninterest expense to average assets | 2.4279% | 5,756 |
| Loan and lease loss provision to assets | 0.2923% | 3,057 |
| Net operating income to assets | 0.1676% | 5,839 |
| Return on assets (ROA) | 0.1715% | 5,928 |
| Pretax return on assets | 0.1715% | 5,980 |
| Return on Equity (ROE) | 2.0662% | 5,764 |
| Retained earnings to average equity (ytd only) | 0.8922% | 5,513 |
| Net charge-offs to loans | 0.1165% | 4,535 |
| Credit loss provision to net charge-offs | 468.7500% | 655 |
| Earnings coverage of net charge-offs (x) | 7.3750% | 2,233 |
| Efficiency ratio | 84.0756% | 1,804 |
| Assets per employee ($millions) | 3.5489% | 4,814 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 3,563 |
| Loan loss allowance to noncurrent loans | 74.0369% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.2016% | 4,489 |
| Noncurrent loans to loans | 2.2077% | 3,216 |
| Net loans and leases to total assets | 53.5373% | 5,358 |
| Net loans and leases to deposits | 58.8574% | 5,840 |
| Net loans and leases to core deposits | 60.8222% | 6,020 |
| Total domestic deposits to total assets | 90.9611% | 514 |
| Equity capital to assets | 8.6706% | 5,975 |
| Core capital (leverage) ratio | 8.2411% | 5,965 |
| Tier 1 risk-based capital ratio | 15.7912% | 3,083 |
| Total risk-based capital ratio | 17.0461% | 3,064 |
| Memoranda: | ||
| Average total assets | $51,320,000 | 6,440 |
| Average earning assets | $47,483,330 | 6,382 |
| Average equity | $4,259,000 | 6,759 |
| Average total loans | $27,466,000 | 6,390 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 4,892 |
| Cost of funding earning assets | 2.1809% | 93 |
| Net interest margin | 2.4316% | 7,239 |
| Noninterest income to average assets | 0.4526% | 4,259 |
| Noninterest expense to average assets | 2.3323% | 6,100 |
| Loan and lease loss provision to assets | 0.4987% | 1,750 |
| Net operating income to assets | -0.1611% | 6,522 |
| Return on assets (ROA) | -0.1688% | 6,547 |
| Pretax return on assets | -0.1534% | 6,499 |
| Return on Equity (ROE) | -2.0782% | 6,590 |
| Retained earnings to average equity (ytd only) | -2.0782% | 6,157 |
| Net charge-offs to loans | 0.2601% | 3,029 |
| Credit loss provision to net charge-offs | 361.1111% | 907 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 3,061 |
| Efficiency ratio | 86.8571% | 1,620 |
| Assets per employee ($millions) | 3.5051% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 3,727 |
| Loan loss allowance to noncurrent loans | 57.1809% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 4,049 |
| Noncurrent loans to loans | 2.7964% | 2,703 |
| Net loans and leases to total assets | 50.3309% | 5,806 |
| Net loans and leases to deposits | 54.9837% | 6,216 |
| Net loans and leases to core deposits | 57.0142% | 6,341 |
| Total domestic deposits to total assets | 91.5380% | 406 |
| Equity capital to assets | 8.0189% | 6,476 |
| Core capital (leverage) ratio | 7.9771% | 6,283 |
| Tier 1 risk-based capital ratio | 15.3152% | 3,251 |
| Total risk-based capital ratio | 16.5694% | 3,212 |
| Memoranda: | ||
| Average total assets | $52,137,500 | 6,452 |
| Average earning assets | $47,870,000 | 6,418 |
| Average equity | $4,234,500 | 6,795 |
| Average total loans | $27,678,000 | 6,429 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4743% | 2,379 |
| Cost of funding earning assets | 2.5130% | 99 |
| Net interest margin | 2.9613% | 6,804 |
| Noninterest income to average assets | 0.5289% | 3,965 |
| Noninterest expense to average assets | 2.4574% | 5,923 |
| Loan and lease loss provision to assets | 0.7662% | 2,138 |
| Net operating income to assets | -0.0442% | 5,920 |
| Return on assets (ROA) | -0.0483% | 6,011 |
| Pretax return on assets | -0.0422% | 5,946 |
| Return on Equity (ROE) | -0.5500% | 6,019 |
| Retained earnings to average equity (ytd only) | -2.1541% | 5,988 |
| Net charge-offs to loans | 1.2275% | 1,826 |
| Credit loss provision to net charge-offs | 108.2386% | 4,085 |
| Earnings coverage of net charge-offs (x) | 1.0284% | 5,087 |
| Efficiency ratio | 77.1465% | 2,850 |
| Assets per employee ($millions) | 3.4466% | 5,066 |
| Cash dividends to net income (ytd only)* | -291.6667% | 7,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,778 |
| Loan loss allowance to noncurrent loans | 67.1930% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 4,808 |
| Noncurrent loans to loans | 2.0025% | 3,558 |
| Net loans and leases to total assets | 54.3163% | 5,595 |
| Net loans and leases to deposits | 59.4672% | 6,115 |
| Net loans and leases to core deposits | 61.7070% | 6,257 |
| Total domestic deposits to total assets | 91.3383% | 446 |
| Equity capital to assets | 8.2265% | 6,232 |
| Core capital (leverage) ratio | 8.0119% | 6,183 |
| Tier 1 risk-based capital ratio | 14.8641% | 3,326 |
| Total risk-based capital ratio | 16.1145% | 3,286 |
| Memoranda: | ||
| Average total assets | $49,727,400 | 6,549 |
| Average earning assets | $44,608,400 | 6,560 |
| Average equity | $4,363,800 | 6,865 |
| Average total loans | $28,676,000 | 6,459 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5849% | 2,123 |
| Cost of funding earning assets | 2.5436% | 120 |
| Net interest margin | 3.0413% | 6,748 |
| Noninterest income to average assets | 0.5335% | 3,921 |
| Noninterest expense to average assets | 2.3696% | 6,114 |
| Loan and lease loss provision to assets | 0.9776% | 1,528 |
| Net operating income to assets | -0.2762% | 6,407 |
| Return on assets (ROA) | -0.2789% | 6,461 |
| Pretax return on assets | -0.1029% | 6,223 |
| Return on Equity (ROE) | -3.1272% | 6,503 |
| Retained earnings to average equity (ytd only) | -4.4935% | 6,514 |
| Net charge-offs to loans | 1.2391% | 1,647 |
| Credit loss provision to net charge-offs | 135.2060% | 2,975 |
| Earnings coverage of net charge-offs (x) | 1.2135% | 4,849 |
| Efficiency ratio | 72.9775% | 3,530 |
| Assets per employee ($millions) | 3.4158% | 5,164 |
| Cash dividends to net income (ytd only)* | -43.6904% | 7,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 3,683 |
| Loan loss allowance to noncurrent loans | 41.9083% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 2.0864% | 3,357 |
| Noncurrent loans to loans | 3.7333% | 2,077 |
| Net loans and leases to total assets | 55.0110% | 5,700 |
| Net loans and leases to deposits | 60.3245% | 6,283 |
| Net loans and leases to core deposits | 62.0372% | 6,462 |
| Total domestic deposits to total assets | 91.1919% | 387 |
| Equity capital to assets | 8.3065% | 6,500 |
| Core capital (leverage) ratio | 8.3581% | 5,774 |
| Tier 1 risk-based capital ratio | 14.6793% | 3,406 |
| Total risk-based capital ratio | 15.9326% | 3,381 |
| Memoranda: | ||
| Average total assets | $49,234,500 | 6,649 |
| Average earning assets | $43,927,000 | 6,663 |
| Average equity | $4,391,500 | 6,948 |
| Average total loans | $28,729,000 | 6,545 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6354% | 2,001 |
| Cost of funding earning assets | 2.5645% | 138 |
| Net interest margin | 3.0709% | 6,675 |
| Noninterest income to average assets | 0.5353% | 3,833 |
| Noninterest expense to average assets | 2.4296% | 5,978 |
| Loan and lease loss provision to assets | 0.1482% | 5,415 |
| Net operating income to assets | 0.5482% | 4,102 |
| Return on assets (ROA) | 0.5353% | 4,319 |
| Pretax return on assets | 0.6877% | 4,281 |
| Return on Equity (ROE) | 5.8603% | 3,869 |
| Retained earnings to average equity (ytd only) | 3.8317% | 3,651 |
| Net charge-offs to loans | 0.0139% | 6,149 |
| Credit loss provision to net charge-offs | 1,800.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 317 |
| Efficiency ratio | 74.0276% | 3,470 |
| Assets per employee ($millions) | 3.3086% | 5,413 |
| Cash dividends to net income (ytd only)* | 34.6154% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 4,678 |
| Loan loss allowance to noncurrent loans | 48.1390% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6241% | 4,007 |
| Noncurrent loans to loans | 2.8058% | 2,849 |
| Net loans and leases to total assets | 57.0997% | 5,547 |
| Net loans and leases to deposits | 63.0841% | 6,128 |
| Net loans and leases to core deposits | 64.4954% | 6,359 |
| Total domestic deposits to total assets | 90.5136% | 682 |
| Equity capital to assets | 9.0391% | 5,383 |
| Core capital (leverage) ratio | 9.1194% | 4,432 |
| Tier 1 risk-based capital ratio | 15.6043% | 2,847 |
| Total risk-based capital ratio | 16.8559% | 2,815 |
| Memoranda: | ||
| Average total assets | $48,567,000 | 6,712 |
| Average earning assets | $43,440,000 | 6,721 |
| Average equity | $4,436,670 | 6,960 |
| Average total loans | $28,760,670 | 6,592 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 1,947 |
| Cost of funding earning assets | 2.5792% | 176 |
| Net interest margin | 3.0748% | 6,658 |
| Noninterest income to average assets | 0.4830% | 4,180 |
| Noninterest expense to average assets | 2.4315% | 5,980 |
| Loan and lease loss provision to assets | 0.1499% | 5,049 |
| Net operating income to assets | 0.4900% | 4,440 |
| Return on assets (ROA) | 0.4663% | 4,679 |
| Pretax return on assets | 0.6578% | 4,380 |
| Return on Equity (ROE) | 5.0771% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.0771% | 3,118 |
| Net charge-offs to loans | -0.0139% | 6,982 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3003% | 3,529 |
| Assets per employee ($millions) | 3.4684% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 4,841 |
| Loan loss allowance to noncurrent loans | 55.0147% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.3963% | 4,418 |
| Noncurrent loans to loans | 2.3925% | 3,282 |
| Net loans and leases to total assets | 57.5942% | 5,512 |
| Net loans and leases to deposits | 63.8042% | 6,068 |
| Net loans and leases to core deposits | 65.2542% | 6,344 |
| Total domestic deposits to total assets | 90.2671% | 847 |
| Equity capital to assets | 9.1357% | 5,082 |
| Core capital (leverage) ratio | 9.1448% | 4,307 |
| Tier 1 risk-based capital ratio | 15.8137% | 2,723 |
| Total risk-based capital ratio | 17.0653% | 2,663 |
| Memoranda: | ||
| Average total assets | $48,036,000 | 6,803 |
| Average earning assets | $43,580,000 | 6,793 |
| Average equity | $4,412,000 | 7,032 |
| Average total loans | $28,778,000 | 6,670 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2700% | 1,079 |
| Cost of funding earning assets | 2.8536% | 373 |
| Net interest margin | 3.4163% | 5,305 |
| Noninterest income to average assets | 0.5568% | 3,969 |
| Noninterest expense to average assets | 2.4721% | 6,232 |
| Loan and lease loss provision to assets | 0.3504% | 4,703 |
| Net operating income to assets | 0.5596% | 3,486 |
| Return on assets (ROA) | 0.5568% | 3,582 |
| Pretax return on assets | 0.8362% | 3,125 |
| Return on Equity (ROE) | 5.9603% | 3,225 |
| Retained earnings to average equity (ytd only) | 3.5440% | 2,695 |
| Net charge-offs to loans | 0.5703% | 3,510 |
| Credit loss provision to net charge-offs | 100.6173% | 5,480 |
| Earnings coverage of net charge-offs (x) | 3.4198% | 3,351 |
| Efficiency ratio | 67.4883% | 5,102 |
| Assets per employee ($millions) | 3.1677% | 5,796 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 5,284 |
| Loan loss allowance to noncurrent loans | 60.1019% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2396% | 4,614 |
| Noncurrent loans to loans | 2.0159% | 3,630 |
| Net loans and leases to total assets | 60.7450% | 5,225 |
| Net loans and leases to deposits | 67.3394% | 5,906 |
| Net loans and leases to core deposits | 86.4783% | 5,477 |
| Total domestic deposits to total assets | 90.2073% | 880 |
| Equity capital to assets | 9.2350% | 4,796 |
| Core capital (leverage) ratio | 9.1407% | 4,214 |
| Tier 1 risk-based capital ratio | 15.3057% | 2,797 |
| Total risk-based capital ratio | 16.5538% | 2,755 |
| Memoranda: | ||
| Average total assets | $46,518,400 | 6,846 |
| Average earning assets | $42,296,800 | 6,849 |
| Average equity | $4,345,400 | 7,162 |
| Average total loans | $28,404,200 | 6,721 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3352% | 1,060 |
| Cost of funding earning assets | 2.8952% | 469 |
| Net interest margin | 3.4400% | 5,112 |
| Noninterest income to average assets | 0.5562% | 4,038 |
| Noninterest expense to average assets | 2.3370% | 6,603 |
| Loan and lease loss provision to assets | 0.4466% | 3,674 |
| Net operating income to assets | 0.5964% | 3,615 |
| Return on assets (ROA) | 0.5907% | 3,697 |
| Pretax return on assets | 0.8933% | 3,251 |
| Return on Equity (ROE) | 6.3056% | 3,394 |
| Retained earnings to average equity (ytd only) | 4.9214% | 2,538 |
| Net charge-offs to loans | 0.7328% | 2,528 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 3.0194% | 3,721 |
| Efficiency ratio | 63.4089% | 5,856 |
| Assets per employee ($millions) | 3.1249% | 5,843 |
| Cash dividends to net income (ytd only)* | 21.9515% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 4,920 |
| Loan loss allowance to noncurrent loans | 470.6667% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 7,140 |
| Noncurrent loans to loans | 0.2628% | 6,850 |
| Net loans and leases to total assets | 60.1348% | 5,559 |
| Net loans and leases to deposits | 66.8414% | 6,225 |
| Net loans and leases to core deposits | 85.3815% | 5,932 |
| Total domestic deposits to total assets | 89.9665% | 779 |
| Equity capital to assets | 9.4404% | 4,822 |
| Core capital (leverage) ratio | 9.0993% | 4,492 |
| Tier 1 risk-based capital ratio | 15.6555% | 2,750 |
| Total risk-based capital ratio | 16.9049% | 2,691 |
| Memoranda: | ||
| Average total assets | $46,269,250 | 6,910 |
| Average earning assets | $42,091,750 | 6,904 |
| Average equity | $4,334,750 | 7,237 |
| Average total loans | $28,201,000 | 6,782 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4670% | 883 |
| Cost of funding earning assets | 2.9087% | 595 |
| Net interest margin | 3.5583% | 4,542 |
| Noninterest income to average assets | 0.5079% | 4,378 |
| Noninterest expense to average assets | 2.3661% | 6,566 |
| Loan and lease loss provision to assets | 0.2214% | 4,816 |
| Net operating income to assets | 0.8273% | 2,746 |
| Return on assets (ROA) | 0.8336% | 2,813 |
| Pretax return on assets | 1.1635% | 2,416 |
| Return on Equity (ROE) | 8.9205% | 2,391 |
| Retained earnings to average equity (ytd only) | 6.8298% | 1,649 |
| Net charge-offs to loans | -0.0285% | 7,769 |
| Credit loss provision to net charge-offs | -1,275.0000% | 7,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2251% | 6,051 |
| Assets per employee ($millions) | 3.1531% | 5,713 |
| Cash dividends to net income (ytd only)* | 23.4375% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 3,372 |
| Loan loss allowance to noncurrent loans | 154.5455% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 6,026 |
| Noncurrent loans to loans | 0.9491% | 5,324 |
| Net loans and leases to total assets | 57.9466% | 5,972 |
| Net loans and leases to deposits | 64.2678% | 6,537 |
| Net loans and leases to core deposits | 82.0471% | 6,236 |
| Total domestic deposits to total assets | 90.1643% | 764 |
| Equity capital to assets | 9.2923% | 4,885 |
| Core capital (leverage) ratio | 9.2549% | 4,230 |
| Tier 1 risk-based capital ratio | 15.7883% | 2,698 |
| Total risk-based capital ratio | 17.0412% | 2,636 |
| Memoranda: | ||
| Average total assets | $46,068,000 | 6,982 |
| Average earning assets | $41,874,000 | 6,973 |
| Average equity | $4,304,670 | 7,308 |
| Average total loans | $28,088,000 | 6,838 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0808% | 2,015 |
| Cost of funding earning assets | 2.9530% | 678 |
| Net interest margin | 3.1278% | 6,112 |
| Noninterest income to average assets | 0.4224% | 5,022 |
| Noninterest expense to average assets | 2.3673% | 6,311 |
| Loan and lease loss provision to assets | 0.3872% | 3,004 |
| Net operating income to assets | 0.3224% | 5,199 |
| Return on assets (ROA) | 0.3168% | 5,405 |
| Pretax return on assets | 0.4928% | 5,100 |
| Return on Equity (ROE) | 3.3807% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.3807% | 4,001 |
| Net charge-offs to loans | -0.0283% | 7,542 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7027% | 4,058 |
| Assets per employee ($millions) | 3.1173% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 3,418 |
| Loan loss allowance to noncurrent loans | 55.1867% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.5462% | 3,615 |
| Noncurrent loans to loans | 2.5644% | 2,571 |
| Net loans and leases to total assets | 59.4431% | 5,747 |
| Net loans and leases to deposits | 65.8400% | 6,391 |
| Net loans and leases to core deposits | 82.4362% | 6,198 |
| Total domestic deposits to total assets | 90.2842% | 686 |
| Equity capital to assets | 9.1319% | 5,179 |
| Core capital (leverage) ratio | 9.2997% | 4,248 |
| Tier 1 risk-based capital ratio | 15.2118% | 2,963 |
| Total risk-based capital ratio | 16.4650% | 2,919 |
| Memoranda: | ||
| Average total assets | $45,453,500 | 7,050 |
| Average earning assets | $41,179,000 | 7,054 |
| Average equity | $4,259,500 | 7,362 |
| Average total loans | $28,224,500 | 6,866 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5177% | 2,876 |
| Cost of funding earning assets | 3.2262% | 1,108 |
| Net interest margin | 3.2916% | 6,069 |
| Noninterest income to average assets | 0.5609% | 4,153 |
| Noninterest expense to average assets | 2.5507% | 5,825 |
| Loan and lease loss provision to assets | 0.4207% | 3,175 |
| Net operating income to assets | 0.4300% | 5,030 |
| Return on assets (ROA) | 0.4207% | 4,889 |
| Pretax return on assets | 0.6009% | 4,687 |
| Return on Equity (ROE) | 4.5198% | 4,591 |
| Retained earnings to average equity (ytd only) | 2.3675% | 3,727 |
| Net charge-offs to loans | 0.8023% | 1,552 |
| Credit loss provision to net charge-offs | 83.6283% | 5,817 |
| Earnings coverage of net charge-offs (x) | 2.0575% | 5,048 |
| Efficiency ratio | 71.1359% | 4,100 |
| Assets per employee ($millions) | 2.9432% | 6,189 |
| Cash dividends to net income (ytd only)* | 47.6190% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 4,154 |
| Loan loss allowance to noncurrent loans | 50.8646% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 1.5720% | 3,098 |
| Noncurrent loans to loans | 2.4562% | 2,227 |
| Net loans and leases to total assets | 63.2011% | 5,419 |
| Net loans and leases to deposits | 70.4063% | 6,232 |
| Net loans and leases to core deposits | 89.3150% | 5,862 |
| Total domestic deposits to total assets | 89.7662% | 735 |
| Equity capital to assets | 9.6244% | 4,516 |
| Core capital (leverage) ratio | 9.2756% | 4,333 |
| Tier 1 risk-based capital ratio | 15.3347% | 2,909 |
| Total risk-based capital ratio | 16.5837% | 2,841 |
| Memoranda: | ||
| Average total assets | $44,929,000 | 6,991 |
| Average earning assets | $41,287,400 | 6,980 |
| Average equity | $4,181,600 | 7,437 |
| Average total loans | $28,168,200 | 6,831 |