Home > Key Community Bank > Performance and Condition Ratios
Key Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5603% | 1,958 |
| Cost of funding earning assets | 1.4957% | 3,207 |
| Net interest margin | 4.0645% | 1,165 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 2.5938% | 2,033 |
| Loan and lease loss provision to assets | 0.2500% | 446 |
| Net operating income to assets | 1.2530% | 1,589 |
| Return on assets (ROA) | 1.2530% | 1,588 |
| Pretax return on assets | 1.2530% | 2,106 |
| Return on Equity (ROE) | 15.1600% | 1,037 |
| Retained earnings to average equity (ytd only) | -12.0170% | 4,295 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.2705% | 2,569 |
| Assets per employee ($millions) | 8.2760% | 1,411 |
| Cash dividends to net income (ytd only)* | 179.2717% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,062 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 79.1100% | 698 |
| Net loans and leases to deposits | 92.1716% | 905 |
| Net loans and leases to core deposits | 110.1668% | 847 |
| Total domestic deposits to total assets | 85.8300% | 2,361 |
| Equity capital to assets | 8.0163% | 3,587 |
| Core capital (leverage) ratio | 8.7896% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1771% | 2,667 |
| Memoranda: | ||
| Average total assets | $113,965,500 | 3,659 |
| Average earning assets | $110,714,000 | 3,610 |
| Average equity | $9,420,000 | 3,838 |
| Average total loans | $91,250,500 | 3,310 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13,101.0000% | 32 |
| Cost of funding earning assets | 132.0000% | 19 |
| Net interest margin | 0.0000% | 4,448 |
| Noninterest income to average assets | 30.0000% | 72 |
| Noninterest expense to average assets | 0.0000% | 4,477 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 1.0928% | 1,765 |
| Pretax return on assets | 1.1807% | 2,029 |
| Return on Equity (ROE) | 13.4800% | 1,252 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,291 |
| Efficiency ratio | 7,900.0000% | 16 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.1285% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 517.0000% | 31 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0089% | 4,372 |
| Total domestic deposits to total assets | 0.0002% | 4,450 |
| Equity capital to assets | 1,753,213.0000% | 3 |
| Core capital (leverage) ratio | 0.0000% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,395,000 | 4,461 |
| Average earning assets | $26,340 | 4,450 |
| Average equity | $0 | 4,450 |
| Average total loans | NA | NA |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 2,244 |
| Cost of funding earning assets | 1.8972% | 2,471 |
| Net interest margin | 3.5141% | 1,991 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 2.4958% | 2,263 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | 0.9322% | 2,275 |
| Return on assets (ROA) | 0.9322% | 2,287 |
| Pretax return on assets | 0.9887% | 2,581 |
| Return on Equity (ROE) | 11.6600% | 1,716 |
| Retained earnings to average equity (ytd only) | 6.0207% | 2,074 |
| Net charge-offs to loans | -0.0139% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 69.1862% | 2,122 |
| Assets per employee ($millions) | 7.9429% | 1,560 |
| Cash dividends to net income (ytd only)* | 48.3531% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,410 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 78.8900% | 778 |
| Net loans and leases to deposits | 89.6068% | 1,281 |
| Net loans and leases to core deposits | 105.0862% | 1,185 |
| Total domestic deposits to total assets | 88.0400% | 1,229 |
| Equity capital to assets | 8.1780% | 3,603 |
| Core capital (leverage) ratio | 8.9378% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6768% | 2,643 |
| Memoranda: | ||
| Average total assets | $108,553,000 | 3,718 |
| Average earning assets | $105,627,750 | 3,663 |
| Average equity | $8,681,000 | 3,916 |
| Average total loans | $86,476,750 | 3,357 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3599% | 2,233 |
| Cost of funding earning assets | 1.9710% | 2,192 |
| Net interest margin | 3.3890% | 2,207 |
| Noninterest income to average assets | 0.1800% | 3,804 |
| Noninterest expense to average assets | 2.4965% | 2,254 |
| Loan and lease loss provision to assets | 0.1400% | 838 |
| Net operating income to assets | 0.7894% | 2,661 |
| Return on assets (ROA) | 0.7894% | 2,682 |
| Pretax return on assets | 0.8340% | 2,918 |
| Return on Equity (ROE) | 9.9500% | 2,196 |
| Retained earnings to average equity (ytd only) | 1.3578% | 3,521 |
| Net charge-offs to loans | -0.0187% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.9871% | 1,861 |
| Assets per employee ($millions) | 7.8792% | 1,520 |
| Cash dividends to net income (ytd only)* | 86.3529% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 2,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.9400% | 913 |
| Net loans and leases to deposits | 92.9761% | 1,039 |
| Net loans and leases to core deposits | 109.7684% | 980 |
| Total domestic deposits to total assets | 83.8300% | 2,659 |
| Equity capital to assets | 7.8887% | 3,501 |
| Core capital (leverage) ratio | 8.5378% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3391% | 2,734 |
| Memoranda: | ||
| Average total assets | $107,670,333 | 3,739 |
| Average earning assets | $104,516,000 | 3,686 |
| Average equity | $8,543,333 | 3,915 |
| Average total loans | $85,716,333 | 3,368 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 2,206 |
| Cost of funding earning assets | 2.0551% | 1,876 |
| Net interest margin | 3.2372% | 2,486 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.5275% | 2,164 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 0.6206% | 3,099 |
| Return on assets (ROA) | 0.6206% | 3,126 |
| Pretax return on assets | 0.6206% | 3,346 |
| Return on Equity (ROE) | 7.8000% | 2,748 |
| Retained earnings to average equity (ytd only) | -9.5463% | 4,298 |
| Net charge-offs to loans | -0.0376% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.0181% | 1,550 |
| Assets per employee ($millions) | 7.7963% | 1,574 |
| Cash dividends to net income (ytd only)* | 222.4242% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,420 |
| Loan loss allowance to noncurrent loans | 74.9442% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2323% | 423 |
| Noncurrent loans to loans | 1.5645% | 503 |
| Net loans and leases to total assets | 77.8400% | 873 |
| Net loans and leases to deposits | 93.6540% | 892 |
| Net loans and leases to core deposits | 113.6418% | 821 |
| Total domestic deposits to total assets | 83.1200% | 2,954 |
| Equity capital to assets | 7.6877% | 3,565 |
| Core capital (leverage) ratio | 8.1963% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2575% | 2,757 |
| Memoranda: | ||
| Average total assets | $106,351,000 | 3,772 |
| Average earning assets | $103,545,500 | 3,714 |
| Average equity | $8,464,000 | 3,942 |
| Average total loans | $85,082,500 | 3,381 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 2,392 |
| Cost of funding earning assets | 1.5418% | 1,833 |
| Net interest margin | 3.3004% | 2,633 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.4105% | 2,558 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.0181% | 2,159 |
| Return on assets (ROA) | 1.0181% | 2,144 |
| Pretax return on assets | 1.1129% | 2,375 |
| Return on Equity (ROE) | 12.8500% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.1318% | 986 |
| Net charge-offs to loans | -0.0013% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.2188% | 2,324 |
| Assets per employee ($millions) | 7.3967% | 1,810 |
| Cash dividends to net income (ytd only)* | 21.1765% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 2,647 |
| Loan loss allowance to noncurrent loans | 607.0064% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,511 |
| Noncurrent loans to loans | 0.1865% | 2,584 |
| Net loans and leases to total assets | 80.3900% | 595 |
| Net loans and leases to deposits | 97.8144% | 662 |
| Net loans and leases to core deposits | 119.4187% | 643 |
| Total domestic deposits to total assets | 82.1800% | 3,096 |
| Equity capital to assets | 8.2440% | 3,246 |
| Core capital (leverage) ratio | 8.6702% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2747% | 2,506 |
| Memoranda: | ||
| Average total assets | $100,185,200 | 3,834 |
| Average earning assets | $96,898,800 | 3,776 |
| Average equity | $7,935,400 | 3,934 |
| Average total loans | $77,047,800 | 3,455 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 2,404 |
| Cost of funding earning assets | 1.4626% | 1,697 |
| Net interest margin | 3.2699% | 2,752 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.4453% | 2,390 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0602% | 2,183 |
| Return on assets (ROA) | 1.0602% | 2,170 |
| Pretax return on assets | 1.1475% | 2,431 |
| Return on Equity (ROE) | 13.5300% | 1,791 |
| Retained earnings to average equity (ytd only) | 9.8278% | 1,451 |
| Net charge-offs to loans | -0.0018% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.1343% | 2,263 |
| Assets per employee ($millions) | 7.2282% | 1,806 |
| Cash dividends to net income (ytd only)* | 27.3418% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 2,698 |
| Loan loss allowance to noncurrent loans | 580.2548% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 2,543 |
| Noncurrent loans to loans | 0.1957% | 2,573 |
| Net loans and leases to total assets | 78.3600% | 836 |
| Net loans and leases to deposits | 92.7711% | 989 |
| Net loans and leases to core deposits | 112.7194% | 777 |
| Total domestic deposits to total assets | 84.4700% | 2,649 |
| Equity capital to assets | 8.0864% | 2,997 |
| Core capital (leverage) ratio | 8.5380% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9931% | 2,613 |
| Memoranda: | ||
| Average total assets | $99,345,250 | 3,853 |
| Average earning assets | $95,903,000 | 3,797 |
| Average equity | $7,787,250 | 3,956 |
| Average total loans | $75,261,000 | 3,480 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 2,452 |
| Cost of funding earning assets | 1.3925% | 1,465 |
| Net interest margin | 3.1888% | 3,018 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.3904% | 2,523 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2215% | 1,770 |
| Return on assets (ROA) | 1.2215% | 1,763 |
| Pretax return on assets | 1.2985% | 2,085 |
| Return on Equity (ROE) | 15.7500% | 1,315 |
| Retained earnings to average equity (ytd only) | 10.1106% | 1,375 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.0342% | 2,589 |
| Assets per employee ($millions) | 7.2244% | 1,770 |
| Cash dividends to net income (ytd only)* | 35.8209% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,674 |
| Loan loss allowance to noncurrent loans | 562.4204% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 2,464 |
| Noncurrent loans to loans | 0.2058% | 2,439 |
| Net loans and leases to total assets | 74.5600% | 1,220 |
| Net loans and leases to deposits | 87.8095% | 1,359 |
| Net loans and leases to core deposits | 106.1964% | 978 |
| Total domestic deposits to total assets | 84.9100% | 2,569 |
| Equity capital to assets | 7.8376% | 3,323 |
| Core capital (leverage) ratio | 8.4095% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4472% | 2,483 |
| Memoranda: | ||
| Average total assets | $98,728,667 | 3,868 |
| Average earning assets | $95,083,000 | 3,824 |
| Average equity | $7,655,333 | 3,992 |
| Average total loans | $73,612,000 | 3,512 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 2,445 |
| Cost of funding earning assets | 1.1055% | 1,735 |
| Net interest margin | 3.3335% | 2,785 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.3707% | 2,608 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.9188% | 2,794 |
| Return on assets (ROA) | 0.9188% | 2,750 |
| Pretax return on assets | 0.9188% | 3,187 |
| Return on Equity (ROE) | 11.9200% | 2,238 |
| Retained earnings to average equity (ytd only) | 0.4256% | 3,956 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.8068% | 1,765 |
| Assets per employee ($millions) | 7.6682% | 1,522 |
| Cash dividends to net income (ytd only)* | 96.4286% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 2,805 |
| Loan loss allowance to noncurrent loans | 546.4968% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 2,404 |
| Noncurrent loans to loans | 0.2111% | 2,416 |
| Net loans and leases to total assets | 73.7300% | 1,236 |
| Net loans and leases to deposits | 94.6947% | 738 |
| Net loans and leases to core deposits | 103.1925% | 958 |
| Total domestic deposits to total assets | 77.8700% | 4,018 |
| Equity capital to assets | 7.5948% | 3,511 |
| Core capital (leverage) ratio | 8.3073% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9112% | 2,752 |
| Memoranda: | ||
| Average total assets | $97,522,500 | 3,927 |
| Average earning assets | $94,074,500 | 3,879 |
| Average equity | $7,519,500 | 4,059 |
| Average total loans | $72,272,000 | 3,563 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 2,586 |
| Cost of funding earning assets | 0.2331% | 3,483 |
| Net interest margin | 3.4467% | 2,111 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.2904% | 2,769 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 0.7860% | 3,373 |
| Return on assets (ROA) | 0.7860% | 3,310 |
| Pretax return on assets | 0.9170% | 3,305 |
| Return on Equity (ROE) | 9.7300% | 2,891 |
| Retained earnings to average equity (ytd only) | 7.9555% | 1,857 |
| Net charge-offs to loans | -0.0104% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.6101% | 2,417 |
| Assets per employee ($millions) | 7.3353% | 1,732 |
| Cash dividends to net income (ytd only)* | 18.2203% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,460 |
| Loan loss allowance to noncurrent loans | 529.9363% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 2,391 |
| Noncurrent loans to loans | 0.2237% | 2,373 |
| Net loans and leases to total assets | 72.7300% | 1,341 |
| Net loans and leases to deposits | 92.6521% | 879 |
| Net loans and leases to core deposits | 100.3574% | 984 |
| Total domestic deposits to total assets | 78.4900% | 4,045 |
| Equity capital to assets | 7.8315% | 3,161 |
| Core capital (leverage) ratio | 8.6196% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6271% | 2,518 |
| Memoranda: | ||
| Average total assets | $90,073,200 | 4,010 |
| Average earning assets | $87,533,400 | 3,952 |
| Average equity | $7,278,000 | 4,179 |
| Average total loans | $57,688,200 | 3,775 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4973% | 2,627 |
| Cost of funding earning assets | 0.0758% | 4,447 |
| Net interest margin | 3.4215% | 1,913 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.2895% | 2,655 |
| Loan and lease loss provision to assets | 0.3300% | 200 |
| Net operating income to assets | 0.8338% | 3,118 |
| Return on assets (ROA) | 0.8338% | 3,086 |
| Pretax return on assets | 0.9029% | 3,303 |
| Return on Equity (ROE) | 10.2300% | 2,655 |
| Retained earnings to average equity (ytd only) | 7.8554% | 2,056 |
| Net charge-offs to loans | -0.0024% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.9340% | 2,416 |
| Assets per employee ($millions) | 7.5528% | 1,581 |
| Cash dividends to net income (ytd only)* | 23.2432% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 2,746 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 70.0700% | 1,470 |
| Net loans and leases to deposits | 76.4346% | 1,839 |
| Net loans and leases to core deposits | 76.7143% | 2,142 |
| Total domestic deposits to total assets | 91.6800% | 980 |
| Equity capital to assets | 8.0136% | 2,882 |
| Core capital (leverage) ratio | 8.3761% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5804% | 2,225 |
| Memoranda: | ||
| Average total assets | $88,751,750 | 4,059 |
| Average earning assets | $86,236,250 | 3,992 |
| Average equity | $7,230,500 | 4,220 |
| Average total loans | $54,564,500 | 3,848 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 2,902 |
| Cost of funding earning assets | 0.0585% | 4,541 |
| Net interest margin | 3.1890% | 2,226 |
| Noninterest income to average assets | 0.1974% | 4,012 |
| Noninterest expense to average assets | 2.2854% | 2,590 |
| Loan and lease loss provision to assets | 0.2360% | 320 |
| Net operating income to assets | 0.7035% | 3,299 |
| Return on assets (ROA) | 0.7035% | 3,251 |
| Pretax return on assets | 0.7716% | 3,399 |
| Return on Equity (ROE) | 8.5877% | 2,834 |
| Retained earnings to average equity (ytd only) | 5.0141% | 2,703 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4004% | 2,048 |
| Assets per employee ($millions) | 8.4001% | 1,110 |
| Cash dividends to net income (ytd only)* | 41.6129% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.8002% | 1,722 |
| Net loans and leases to deposits | 71.5513% | 2,066 |
| Net loans and leases to core deposits | 71.8226% | 2,359 |
| Total domestic deposits to total assets | 91.9622% | 849 |
| Equity capital to assets | 7.7910% | 3,278 |
| Core capital (leverage) ratio | 8.0536% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7883% | 2,163 |
| Memoranda: | ||
| Average total assets | $88,124,667 | 4,097 |
| Average earning assets | $85,543,000 | 4,055 |
| Average equity | $7,219,667 | 4,292 |
| Average total loans | $51,334,000 | 3,944 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0323% | 3,159 |
| Cost of funding earning assets | 0.0577% | 4,542 |
| Net interest margin | 2.9747% | 2,587 |
| Noninterest income to average assets | 0.2047% | 3,934 |
| Noninterest expense to average assets | 2.3957% | 2,182 |
| Loan and lease loss provision to assets | 0.0651% | 1,253 |
| Net operating income to assets | 0.6234% | 3,321 |
| Return on assets (ROA) | 0.6234% | 3,300 |
| Pretax return on assets | 0.6234% | 3,570 |
| Return on Equity (ROE) | 7.4136% | 2,902 |
| Retained earnings to average equity (ytd only) | 0.2766% | 3,963 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6772% | 1,342 |
| Assets per employee ($millions) | 9.6236% | 747 |
| Cash dividends to net income (ytd only)* | 96.2687% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.6457% | 2,459 |
| Net loans and leases to deposits | 61.8533% | 2,727 |
| Net loans and leases to core deposits | 62.1203% | 2,963 |
| Total domestic deposits to total assets | 91.5808% | 761 |
| Equity capital to assets | 8.2102% | 3,394 |
| Core capital (leverage) ratio | 8.5606% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,986,500 | 4,145 |
| Average earning assets | $83,236,000 | 4,099 |
| Average equity | $7,230,000 | 4,343 |
| Average total loans | $46,288,000 | 4,033 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4271% | 2,858 |
| Cost of funding earning assets | 0.0853% | 4,495 |
| Net interest margin | 3.3417% | 2,201 |
| Noninterest income to average assets | 0.2243% | 4,032 |
| Noninterest expense to average assets | 2.7311% | 1,543 |
| Loan and lease loss provision to assets | 0.0544% | 1,968 |
| Net operating income to assets | 0.6321% | 3,800 |
| Return on assets (ROA) | 0.6321% | 3,851 |
| Pretax return on assets | 0.6335% | 4,057 |
| Return on Equity (ROE) | 7.3432% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.3432% | 1,785 |
| Net charge-offs to loans | -0.0634% | 4,430 |
| Credit loss provision to net charge-offs | -148.1481% | 3,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8807% | 810 |
| Assets per employee ($millions) | 7.7601% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.7382% | 3,316 |
| Net loans and leases to deposits | 54.5306% | 3,555 |
| Net loans and leases to core deposits | 54.7790% | 3,703 |
| Total domestic deposits to total assets | 91.2114% | 413 |
| Equity capital to assets | 8.6093% | 3,984 |
| Core capital (leverage) ratio | 9.0025% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,561,000 | 4,300 |
| Average earning assets | $70,322,600 | 4,255 |
| Average equity | $6,332,400 | 4,495 |
| Average total loans | $42,563,400 | 4,141 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5087% | 2,809 |
| Cost of funding earning assets | 0.0871% | 4,594 |
| Net interest margin | 3.4217% | 2,092 |
| Noninterest income to average assets | 0.2247% | 4,058 |
| Noninterest expense to average assets | 2.7700% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7175% | 3,726 |
| Return on assets (ROA) | 0.7175% | 3,787 |
| Pretax return on assets | 0.7194% | 4,035 |
| Return on Equity (ROE) | 8.3355% | 3,302 |
| Retained earnings to average equity (ytd only) | 8.3355% | 1,936 |
| Net charge-offs to loans | -0.0157% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3831% | 785 |
| Assets per employee ($millions) | 7.2705% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 3,325 |
| Loan loss allowance to noncurrent loans | 200.8734% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 2,340 |
| Noncurrent loans to loans | 0.5596% | 1,918 |
| Net loans and leases to total assets | 50.5939% | 3,335 |
| Net loans and leases to deposits | 55.0742% | 3,648 |
| Net loans and leases to core deposits | 55.3484% | 3,825 |
| Total domestic deposits to total assets | 91.8651% | 155 |
| Equity capital to assets | 7.8599% | 4,579 |
| Core capital (leverage) ratio | 8.4546% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,611,000 | 4,390 |
| Average earning assets | $67,372,750 | 4,352 |
| Average equity | $6,078,250 | 4,585 |
| Average total loans | $42,459,750 | 4,189 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 2,769 |
| Cost of funding earning assets | 0.0931% | 4,616 |
| Net interest margin | 3.4586% | 1,979 |
| Noninterest income to average assets | 0.2223% | 4,072 |
| Noninterest expense to average assets | 2.9131% | 1,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6075% | 3,969 |
| Return on assets (ROA) | 0.6075% | 4,022 |
| Pretax return on assets | 0.6105% | 4,215 |
| Return on Equity (ROE) | 6.8231% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.8231% | 2,494 |
| Net charge-offs to loans | -0.0047% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6745% | 630 |
| Assets per employee ($millions) | 6.3665% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,385 |
| Loan loss allowance to noncurrent loans | 194.0426% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 2,254 |
| Noncurrent loans to loans | 0.5700% | 1,974 |
| Net loans and leases to total assets | 58.2162% | 2,644 |
| Net loans and leases to deposits | 63.9881% | 3,001 |
| Net loans and leases to core deposits | 64.3659% | 3,260 |
| Total domestic deposits to total assets | 90.9798% | 384 |
| Equity capital to assets | 8.7260% | 4,027 |
| Core capital (leverage) ratio | 8.9769% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,489,333 | 4,449 |
| Average earning assets | $64,419,667 | 4,412 |
| Average equity | $6,009,000 | 4,617 |
| Average total loans | $42,972,000 | 4,218 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5798% | 2,705 |
| Cost of funding earning assets | 0.1075% | 4,608 |
| Net interest margin | 3.4722% | 1,904 |
| Noninterest income to average assets | 0.2175% | 4,089 |
| Noninterest expense to average assets | 2.8874% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6403% | 3,836 |
| Return on assets (ROA) | 0.6403% | 3,904 |
| Pretax return on assets | 0.6463% | 4,113 |
| Return on Equity (ROE) | 7.1165% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.1165% | 2,539 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7094% | 716 |
| Assets per employee ($millions) | 6.1892% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,759 |
| Loan loss allowance to noncurrent loans | 188.7967% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 2,387 |
| Noncurrent loans to loans | 0.5414% | 2,236 |
| Net loans and leases to total assets | 64.7126% | 1,956 |
| Net loans and leases to deposits | 71.1894% | 2,400 |
| Net loans and leases to core deposits | 72.3194% | 2,673 |
| Total domestic deposits to total assets | 90.9020% | 438 |
| Equity capital to assets | 8.8292% | 3,856 |
| Core capital (leverage) ratio | 8.9986% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,218,000 | 4,478 |
| Average earning assets | $63,244,500 | 4,443 |
| Average equity | $5,958,000 | 4,639 |
| Average total loans | $43,845,000 | 4,212 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 3,178 |
| Cost of funding earning assets | 0.1549% | 4,713 |
| Net interest margin | 3.6909% | 1,833 |
| Noninterest income to average assets | 0.2879% | 3,762 |
| Noninterest expense to average assets | 3.0063% | 1,420 |
| Loan and lease loss provision to assets | 0.0847% | 3,317 |
| Net operating income to assets | 0.7063% | 3,413 |
| Return on assets (ROA) | 0.7063% | 3,547 |
| Pretax return on assets | 0.7080% | 3,869 |
| Return on Equity (ROE) | 7.3189% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.3189% | 1,275 |
| Net charge-offs to loans | -0.0027% | 4,026 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1351% | 946 |
| Assets per employee ($millions) | 5.3629% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,669 |
| Loan loss allowance to noncurrent loans | 184.2105% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 2,449 |
| Noncurrent loans to loans | 0.5721% | 2,267 |
| Net loans and leases to total assets | 66.3865% | 2,032 |
| Net loans and leases to deposits | 73.5146% | 2,535 |
| Net loans and leases to core deposits | 74.7716% | 2,839 |
| Total domestic deposits to total assets | 90.3038% | 448 |
| Equity capital to assets | 9.1757% | 3,909 |
| Core capital (leverage) ratio | 9.2391% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,042,600 | 4,525 |
| Average earning assets | $56,164,800 | 4,492 |
| Average equity | $5,697,600 | 4,676 |
| Average total loans | $36,866,800 | 4,376 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 3,289 |
| Cost of funding earning assets | 0.1651% | 4,763 |
| Net interest margin | 3.7225% | 1,870 |
| Noninterest income to average assets | 0.3049% | 3,664 |
| Noninterest expense to average assets | 2.9709% | 1,505 |
| Loan and lease loss provision to assets | 0.1161% | 2,870 |
| Net operating income to assets | 0.7577% | 3,256 |
| Return on assets (ROA) | 0.7577% | 3,366 |
| Pretax return on assets | 0.7600% | 3,751 |
| Return on Equity (ROE) | 7.7460% | 2,902 |
| Retained earnings to average equity (ytd only) | 7.7460% | 1,395 |
| Net charge-offs to loans | -0.0038% | 3,992 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2372% | 1,105 |
| Assets per employee ($millions) | 5.5433% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 3,169 |
| Loan loss allowance to noncurrent loans | 179.8419% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 2,638 |
| Noncurrent loans to loans | 0.6157% | 2,265 |
| Net loans and leases to total assets | 61.0938% | 3,104 |
| Net loans and leases to deposits | 70.0274% | 3,314 |
| Net loans and leases to core deposits | 70.9071% | 3,563 |
| Total domestic deposits to total assets | 87.2427% | 1,561 |
| Equity capital to assets | 8.7449% | 4,297 |
| Core capital (leverage) ratio | 9.1505% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,714,500 | 4,558 |
| Average earning assets | $54,907,250 | 4,529 |
| Average equity | $5,645,750 | 4,700 |
| Average total loans | $35,289,000 | 4,430 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 3,288 |
| Cost of funding earning assets | 0.1771% | 4,814 |
| Net interest margin | 3.8382% | 1,720 |
| Noninterest income to average assets | 0.2811% | 3,785 |
| Noninterest expense to average assets | 2.9537% | 1,709 |
| Loan and lease loss provision to assets | 0.1825% | 2,192 |
| Net operating income to assets | 0.7813% | 3,104 |
| Return on assets (ROA) | 0.7813% | 3,223 |
| Pretax return on assets | 0.7850% | 3,632 |
| Return on Equity (ROE) | 7.6584% | 2,881 |
| Retained earnings to average equity (ytd only) | 7.6584% | 1,414 |
| Net charge-offs to loans | -0.0060% | 4,063 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3259% | 1,329 |
| Assets per employee ($millions) | 6.2153% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,924 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 2,557 |
| Noncurrent loans to loans | 0.6725% | 2,182 |
| Net loans and leases to total assets | 64.5858% | 2,809 |
| Net loans and leases to deposits | 74.7273% | 3,006 |
| Net loans and leases to core deposits | 75.7496% | 3,304 |
| Total domestic deposits to total assets | 86.4287% | 1,832 |
| Equity capital to assets | 9.1757% | 3,947 |
| Core capital (leverage) ratio | 9.4263% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8962% | 686 |
| Memoranda: | ||
| Average total assets | $54,779,667 | 4,616 |
| Average earning assets | $51,951,667 | 4,593 |
| Average equity | $5,588,667 | 4,730 |
| Average total loans | $33,354,000 | 4,495 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 3,986 |
| Cost of funding earning assets | 0.2052% | 4,879 |
| Net interest margin | 3.7188% | 2,268 |
| Noninterest income to average assets | 0.3132% | 3,635 |
| Noninterest expense to average assets | 3.1942% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6655% | 3,388 |
| Return on assets (ROA) | 0.6655% | 3,456 |
| Pretax return on assets | 0.6655% | 3,783 |
| Return on Equity (ROE) | 6.1466% | 3,265 |
| Retained earnings to average equity (ytd only) | 6.1466% | 1,822 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7586% | 916 |
| Assets per employee ($millions) | 5.5418% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 1,843 |
| Loan loss allowance to noncurrent loans | 144.8029% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 2,319 |
| Noncurrent loans to loans | 0.9420% | 1,748 |
| Net loans and leases to total assets | 58.5713% | 3,631 |
| Net loans and leases to deposits | 66.1961% | 3,854 |
| Net loans and leases to core deposits | 67.3018% | 4,018 |
| Total domestic deposits to total assets | 88.4814% | 889 |
| Equity capital to assets | 11.1777% | 2,704 |
| Core capital (leverage) ratio | 10.6186% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5966% | 915 |
| Memoranda: | ||
| Average total assets | $51,093,000 | 4,694 |
| Average earning assets | $48,726,000 | 4,659 |
| Average equity | $5,531,500 | 4,779 |
| Average total loans | $29,732,500 | 4,600 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 4,093 |
| Cost of funding earning assets | 0.2285% | 4,900 |
| Net interest margin | 3.8474% | 2,347 |
| Noninterest income to average assets | 0.2211% | 4,343 |
| Noninterest expense to average assets | 3.0442% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8647% | 3,340 |
| Return on assets (ROA) | 0.8647% | 3,432 |
| Pretax return on assets | 0.8666% | 3,833 |
| Return on Equity (ROE) | 8.2503% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.2503% | 899 |
| Net charge-offs to loans | -0.0034% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8400% | 1,171 |
| Assets per employee ($millions) | 5.2310% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 1,694 |
| Loan loss allowance to noncurrent loans | 2,525.0000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 4,492 |
| Noncurrent loans to loans | 0.0536% | 4,334 |
| Net loans and leases to total assets | 56.2875% | 3,906 |
| Net loans and leases to deposits | 63.1006% | 4,131 |
| Net loans and leases to core deposits | 64.0923% | 4,272 |
| Total domestic deposits to total assets | 89.2028% | 592 |
| Equity capital to assets | 10.4913% | 3,454 |
| Core capital (leverage) ratio | 10.5100% | 2,943 |
| Tier 1 risk-based capital ratio | 17.5521% | 1,876 |
| Total risk-based capital ratio | 18.8026% | 1,827 |
| Memoranda: | ||
| Average total assets | $50,193,400 | 4,743 |
| Average earning assets | $48,136,800 | 4,708 |
| Average equity | $5,260,400 | 4,855 |
| Average total loans | $29,055,800 | 4,660 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 4,161 |
| Cost of funding earning assets | 0.2293% | 4,975 |
| Net interest margin | 3.8671% | 2,377 |
| Noninterest income to average assets | 0.2175% | 4,427 |
| Noninterest expense to average assets | 3.0336% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8940% | 3,368 |
| Return on assets (ROA) | 0.8940% | 3,442 |
| Pretax return on assets | 0.8967% | 3,881 |
| Return on Equity (ROE) | 8.5325% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.5325% | 1,195 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1858% | 1,196 |
| Assets per employee ($millions) | 5.7053% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,602 |
| Loan loss allowance to noncurrent loans | 2,238.8889% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,547 |
| Noncurrent loans to loans | 0.0623% | 4,353 |
| Net loans and leases to total assets | 55.5231% | 4,077 |
| Net loans and leases to deposits | 62.2734% | 4,272 |
| Net loans and leases to core deposits | 63.3035% | 4,414 |
| Total domestic deposits to total assets | 89.1602% | 565 |
| Equity capital to assets | 10.4931% | 3,544 |
| Core capital (leverage) ratio | 10.5390% | 3,074 |
| Tier 1 risk-based capital ratio | 17.0523% | 2,068 |
| Total risk-based capital ratio | 18.3027% | 2,023 |
| Memoranda: | ||
| Average total assets | $49,664,250 | 4,821 |
| Average earning assets | $47,683,250 | 4,784 |
| Average equity | $5,203,500 | 4,924 |
| Average total loans | $28,857,750 | 4,730 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 4,190 |
| Cost of funding earning assets | 0.2248% | 5,021 |
| Net interest margin | 3.8640% | 2,356 |
| Noninterest income to average assets | 0.1955% | 4,584 |
| Noninterest expense to average assets | 3.1403% | 1,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7617% | 3,786 |
| Return on assets (ROA) | 0.7617% | 3,850 |
| Pretax return on assets | 0.7657% | 4,181 |
| Return on Equity (ROE) | 7.2734% | 3,575 |
| Retained earnings to average equity (ytd only) | 7.2734% | 1,695 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3962% | 938 |
| Assets per employee ($millions) | 5.5259% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 58.3295% | 3,881 |
| Net loans and leases to deposits | 66.1174% | 4,091 |
| Net loans and leases to core deposits | 67.2594% | 4,250 |
| Total domestic deposits to total assets | 88.2211% | 997 |
| Equity capital to assets | 10.5343% | 3,486 |
| Core capital (leverage) ratio | 10.7575% | 2,832 |
| Tier 1 risk-based capital ratio | 17.0108% | 2,085 |
| Total risk-based capital ratio | 18.2609% | 2,028 |
| Memoranda: | ||
| Average total assets | $49,103,000 | 4,869 |
| Average earning assets | $47,152,670 | 4,829 |
| Average equity | $5,142,000 | 4,966 |
| Average total loans | $28,839,330 | 4,769 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 4,247 |
| Cost of funding earning assets | 0.1960% | 5,125 |
| Net interest margin | 3.8602% | 2,314 |
| Noninterest income to average assets | 0.1886% | 4,624 |
| Noninterest expense to average assets | 3.1401% | 1,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7625% | 3,740 |
| Return on assets (ROA) | 0.7625% | 3,786 |
| Pretax return on assets | 0.7625% | 4,141 |
| Return on Equity (ROE) | 7.3034% | 3,548 |
| Retained earnings to average equity (ytd only) | 7.3034% | 1,929 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4622% | 1,012 |
| Assets per employee ($millions) | 4.3604% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 1,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 58.9129% | 3,794 |
| Net loans and leases to deposits | 66.1323% | 4,042 |
| Net loans and leases to core deposits | 66.5999% | 4,254 |
| Total domestic deposits to total assets | 89.0835% | 825 |
| Equity capital to assets | 10.7205% | 3,143 |
| Core capital (leverage) ratio | 10.7937% | 2,771 |
| Tier 1 risk-based capital ratio | 17.2157% | 2,044 |
| Total risk-based capital ratio | 18.4679% | 1,982 |
| Memoranda: | ||
| Average total assets | $48,788,000 | 4,923 |
| Average earning assets | $46,940,000 | 4,884 |
| Average equity | $5,093,500 | 5,016 |
| Average total loans | $28,553,000 | 4,825 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,488 |
| Cost of funding earning assets | 0.1401% | 5,205 |
| Net interest margin | 3.6603% | 3,190 |
| Noninterest income to average assets | 0.2531% | 4,413 |
| Noninterest expense to average assets | 3.0496% | 1,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6986% | 4,139 |
| Return on assets (ROA) | 0.6923% | 4,159 |
| Pretax return on assets | 0.6944% | 4,430 |
| Return on Equity (ROE) | 6.7948% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.7948% | 1,759 |
| Net charge-offs to loans | 0.0417% | 2,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 30.4545% | 1,580 |
| Efficiency ratio | 81.3162% | 856 |
| Assets per employee ($millions) | 4.9612% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 56.5246% | 4,091 |
| Net loans and leases to deposits | 63.1343% | 4,306 |
| Net loans and leases to core deposits | 63.5636% | 4,465 |
| Total domestic deposits to total assets | 89.5308% | 645 |
| Equity capital to assets | 10.1689% | 3,510 |
| Core capital (leverage) ratio | 10.6318% | 2,905 |
| Tier 1 risk-based capital ratio | 15.7548% | 2,510 |
| Total risk-based capital ratio | 17.0039% | 2,436 |
| Memoranda: | ||
| Average total assets | $47,808,800 | 4,978 |
| Average earning assets | $45,679,800 | 4,941 |
| Average equity | $4,871,400 | 5,068 |
| Average total loans | $26,401,200 | 4,897 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,524 |
| Cost of funding earning assets | 0.1211% | 5,304 |
| Net interest margin | 3.6407% | 3,220 |
| Noninterest income to average assets | 0.2759% | 4,307 |
| Noninterest expense to average assets | 3.0096% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7348% | 4,126 |
| Return on assets (ROA) | 0.7264% | 4,156 |
| Pretax return on assets | 0.7292% | 4,471 |
| Return on Equity (ROE) | 7.1249% | 3,890 |
| Retained earnings to average equity (ytd only) | 7.1249% | 2,064 |
| Net charge-offs to loans | -0.0154% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3156% | 914 |
| Assets per employee ($millions) | 4.2594% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 1,058 |
| Loan loss allowance to noncurrent loans | 141.6949% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 2,294 |
| Noncurrent loans to loans | 1.1361% | 1,494 |
| Net loans and leases to total assets | 54.5259% | 4,328 |
| Net loans and leases to deposits | 61.1041% | 4,486 |
| Net loans and leases to core deposits | 61.1041% | 4,657 |
| Total domestic deposits to total assets | 89.2344% | 758 |
| Equity capital to assets | 10.6034% | 3,043 |
| Core capital (leverage) ratio | 10.4420% | 3,137 |
| Tier 1 risk-based capital ratio | 17.3852% | 1,974 |
| Total risk-based capital ratio | 18.6380% | 1,921 |
| Memoranda: | ||
| Average total assets | $47,358,000 | 5,041 |
| Average earning assets | $45,155,000 | 5,004 |
| Average equity | $4,828,000 | 5,133 |
| Average total loans | $25,890,000 | 4,970 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6769% | 4,635 |
| Cost of funding earning assets | 0.1237% | 5,332 |
| Net interest margin | 3.5532% | 3,457 |
| Noninterest income to average assets | 0.3114% | 4,093 |
| Noninterest expense to average assets | 3.0131% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6774% | 4,261 |
| Return on assets (ROA) | 0.6649% | 4,311 |
| Pretax return on assets | 0.6691% | 4,588 |
| Return on Equity (ROE) | 6.6090% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.6090% | 2,256 |
| Net charge-offs to loans | -0.0155% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5490% | 867 |
| Assets per employee ($millions) | 4.7062% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 1,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 54.4749% | 4,295 |
| Net loans and leases to deposits | 60.9809% | 4,479 |
| Net loans and leases to core deposits | 60.9809% | 4,656 |
| Total domestic deposits to total assets | 89.3311% | 801 |
| Equity capital to assets | 10.3459% | 3,286 |
| Core capital (leverage) ratio | 10.4310% | 3,099 |
| Tier 1 risk-based capital ratio | 16.7706% | 2,173 |
| Total risk-based capital ratio | 18.0243% | 2,116 |
| Memoranda: | ||
| Average total assets | $47,526,330 | 5,098 |
| Average earning assets | $45,255,000 | 5,062 |
| Average equity | $4,781,330 | 5,194 |
| Average total loans | $25,865,000 | 5,025 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 4,672 |
| Cost of funding earning assets | 0.1234% | 5,379 |
| Net interest margin | 3.4917% | 3,565 |
| Noninterest income to average assets | 0.1843% | 4,922 |
| Noninterest expense to average assets | 3.0738% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4188% | 4,892 |
| Return on assets (ROA) | 0.4188% | 4,896 |
| Pretax return on assets | 0.4271% | 4,992 |
| Return on Equity (ROE) | 4.2216% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.2216% | 3,501 |
| Net charge-offs to loans | -0.0310% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7990% | 546 |
| Assets per employee ($millions) | 4.7417% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 1,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 2,487 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 52.0488% | 4,434 |
| Net loans and leases to deposits | 58.0515% | 4,577 |
| Net loans and leases to core deposits | 58.0515% | 4,749 |
| Total domestic deposits to total assets | 89.6598% | 808 |
| Equity capital to assets | 10.0407% | 3,554 |
| Core capital (leverage) ratio | 9.9609% | 3,578 |
| Tier 1 risk-based capital ratio | 16.4314% | 2,299 |
| Total risk-based capital ratio | 17.6842% | 2,241 |
| Memoranda: | ||
| Average total assets | $47,758,500 | 5,149 |
| Average earning assets | $45,365,000 | 5,123 |
| Average equity | $4,737,500 | 5,260 |
| Average total loans | $25,770,500 | 5,080 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4882% | 4,803 |
| Cost of funding earning assets | 0.1229% | 5,397 |
| Net interest margin | 3.3653% | 3,950 |
| Noninterest income to average assets | 0.3525% | 3,948 |
| Noninterest expense to average assets | 3.1791% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3340% | 4,861 |
| Return on assets (ROA) | 0.3340% | 4,887 |
| Pretax return on assets | 0.3361% | 5,175 |
| Return on Equity (ROE) | 3.4746% | 4,693 |
| Retained earnings to average equity (ytd only) | 3.4746% | 3,199 |
| Net charge-offs to loans | -0.2910% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4399% | 413 |
| Assets per employee ($millions) | 4.8100% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 2,556 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 54.1164% | 4,352 |
| Net loans and leases to deposits | 60.2281% | 4,551 |
| Net loans and leases to core deposits | 60.2281% | 4,748 |
| Total domestic deposits to total assets | 89.8524% | 623 |
| Equity capital to assets | 9.8004% | 3,918 |
| Core capital (leverage) ratio | 9.5468% | 3,982 |
| Tier 1 risk-based capital ratio | 15.5460% | 2,609 |
| Total risk-based capital ratio | 16.7991% | 2,541 |
| Memoranda: | ||
| Average total assets | $48,504,400 | 5,184 |
| Average earning assets | $45,582,400 | 5,157 |
| Average equity | $4,662,400 | 5,323 |
| Average total loans | $24,745,000 | 5,167 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 4,953 |
| Cost of funding earning assets | 0.1200% | 5,476 |
| Net interest margin | 3.2908% | 4,199 |
| Noninterest income to average assets | 0.4224% | 3,540 |
| Noninterest expense to average assets | 3.0119% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4910% | 4,756 |
| Return on assets (ROA) | 0.4910% | 4,792 |
| Pretax return on assets | 0.4938% | 5,042 |
| Return on Equity (ROE) | 5.1330% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.1330% | 2,791 |
| Net charge-offs to loans | -0.2357% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9155% | 638 |
| Assets per employee ($millions) | 4.9656% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 1,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 1,477 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 51.0472% | 4,641 |
| Net loans and leases to deposits | 56.8341% | 4,822 |
| Net loans and leases to core deposits | 56.8341% | 4,955 |
| Total domestic deposits to total assets | 89.8179% | 539 |
| Equity capital to assets | 9.5396% | 4,408 |
| Core capital (leverage) ratio | 9.5496% | 4,094 |
| Tier 1 risk-based capital ratio | 15.9141% | 2,542 |
| Total risk-based capital ratio | 17.1639% | 2,474 |
| Memoranda: | ||
| Average total assets | $48,605,500 | 5,239 |
| Average earning assets | $45,540,500 | 5,217 |
| Average equity | $4,649,500 | 5,382 |
| Average total loans | $24,320,000 | 5,234 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3764% | 4,995 |
| Cost of funding earning assets | 0.1192% | 5,515 |
| Net interest margin | 3.2572% | 4,246 |
| Noninterest income to average assets | 0.5222% | 2,883 |
| Noninterest expense to average assets | 3.1043% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4725% | 4,781 |
| Return on assets (ROA) | 0.4725% | 4,811 |
| Pretax return on assets | 0.4766% | 5,046 |
| Return on Equity (ROE) | 4.9347% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.9347% | 2,755 |
| Net charge-offs to loans | -0.0335% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6898% | 637 |
| Assets per employee ($millions) | 4.8024% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 1,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 1,477 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 50.6934% | 4,661 |
| Net loans and leases to deposits | 56.5702% | 4,832 |
| Net loans and leases to core deposits | 56.5702% | 4,972 |
| Total domestic deposits to total assets | 89.6114% | 677 |
| Equity capital to assets | 9.7285% | 4,200 |
| Core capital (leverage) ratio | 9.5574% | 4,064 |
| Tier 1 risk-based capital ratio | 16.8209% | 2,196 |
| Total risk-based capital ratio | 18.0669% | 2,161 |
| Memoranda: | ||
| Average total assets | $48,255,330 | 5,285 |
| Average earning assets | $45,314,330 | 5,252 |
| Average equity | $4,620,330 | 5,426 |
| Average total loans | $23,849,000 | 5,290 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3174% | 5,076 |
| Cost of funding earning assets | 0.1150% | 5,591 |
| Net interest margin | 3.2024% | 4,339 |
| Noninterest income to average assets | 0.5292% | 2,768 |
| Noninterest expense to average assets | 2.9108% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6037% | 4,146 |
| Return on assets (ROA) | 0.6037% | 4,199 |
| Pretax return on assets | 0.6119% | 4,702 |
| Return on Equity (ROE) | 6.3554% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.3554% | 2,159 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6291% | 1,100 |
| Assets per employee ($millions) | 5.3919% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5744% | 989 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 48.0063% | 4,823 |
| Net loans and leases to deposits | 54.0473% | 4,932 |
| Net loans and leases to core deposits | 54.0473% | 5,061 |
| Total domestic deposits to total assets | 88.8227% | 1,241 |
| Equity capital to assets | 9.5431% | 4,234 |
| Core capital (leverage) ratio | 9.5537% | 4,047 |
| Tier 1 risk-based capital ratio | 16.8923% | 2,217 |
| Total risk-based capital ratio | 18.1400% | 2,181 |
| Memoranda: | ||
| Average total assets | $48,371,000 | 5,340 |
| Average earning assets | $45,215,500 | 5,311 |
| Average equity | $4,594,500 | 5,488 |
| Average total loans | $23,428,000 | 5,355 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4181% | 4,946 |
| Cost of funding earning assets | 0.1207% | 5,611 |
| Net interest margin | 3.2973% | 4,151 |
| Noninterest income to average assets | 0.5999% | 2,664 |
| Noninterest expense to average assets | 3.2397% | 1,700 |
| Loan and lease loss provision to assets | -0.0175% | 5,513 |
| Net operating income to assets | 0.4734% | 4,731 |
| Return on assets (ROA) | 0.4734% | 4,809 |
| Pretax return on assets | 0.4756% | 5,079 |
| Return on Equity (ROE) | 4.8947% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.8947% | 2,411 |
| Net charge-offs to loans | 0.7160% | 300 |
| Credit loss provision to net charge-offs | -4.6243% | 4,731 |
| Earnings coverage of net charge-offs (x) | 1.2139% | 4,022 |
| Efficiency ratio | 87.6106% | 706 |
| Assets per employee ($millions) | 5.3572% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 1,787 |
| Loan loss allowance to noncurrent loans | 68.9516% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.6133% | 443 |
| Noncurrent loans to loans | 2.1363% | 804 |
| Net loans and leases to total assets | 47.4458% | 4,934 |
| Net loans and leases to deposits | 52.7401% | 5,076 |
| Net loans and leases to core deposits | 52.7401% | 5,188 |
| Total domestic deposits to total assets | 89.9616% | 646 |
| Equity capital to assets | 9.4535% | 4,319 |
| Core capital (leverage) ratio | 9.5334% | 4,036 |
| Tier 1 risk-based capital ratio | 17.9110% | 1,873 |
| Total risk-based capital ratio | 19.1606% | 1,836 |
| Memoranda: | ||
| Average total assets | $45,838,200 | 5,423 |
| Average earning assets | $43,065,400 | 5,397 |
| Average equity | $4,433,400 | 5,567 |
| Average total loans | $24,163,400 | 5,385 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4911% | 4,834 |
| Cost of funding earning assets | 0.1220% | 5,669 |
| Net interest margin | 3.3691% | 3,958 |
| Noninterest income to average assets | 0.2799% | 4,767 |
| Noninterest expense to average assets | 3.1945% | 1,789 |
| Loan and lease loss provision to assets | -0.0236% | 5,679 |
| Net operating income to assets | 0.2799% | 5,321 |
| Return on assets (ROA) | 0.2799% | 5,407 |
| Pretax return on assets | 0.2829% | 5,476 |
| Return on Equity (ROE) | 2.8772% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.8772% | 4,172 |
| Net charge-offs to loans | 0.9672% | 178 |
| Credit loss provision to net charge-offs | -4.5198% | 4,599 |
| Earnings coverage of net charge-offs (x) | 0.4972% | 3,784 |
| Efficiency ratio | 92.4915% | 446 |
| Assets per employee ($millions) | 5.2420% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,930 |
| Loan loss allowance to noncurrent loans | 520.0000% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 2.1345% | 703 |
| Noncurrent loans to loans | 0.2809% | 4,255 |
| Net loans and leases to total assets | 48.3318% | 4,940 |
| Net loans and leases to deposits | 53.4505% | 5,141 |
| Net loans and leases to core deposits | 53.4505% | 5,245 |
| Total domestic deposits to total assets | 90.4235% | 342 |
| Equity capital to assets | 9.4112% | 4,753 |
| Core capital (leverage) ratio | 9.9092% | 3,682 |
| Tier 1 risk-based capital ratio | 17.3444% | 2,119 |
| Total risk-based capital ratio | 18.5945% | 2,080 |
| Memoranda: | ||
| Average total assets | $45,244,000 | 5,490 |
| Average earning assets | $42,621,500 | 5,464 |
| Average equity | $4,402,250 | 5,635 |
| Average total loans | $24,399,750 | 5,426 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5685% | 4,687 |
| Cost of funding earning assets | 0.1234% | 5,735 |
| Net interest margin | 3.4451% | 3,706 |
| Noninterest income to average assets | 0.2691% | 4,860 |
| Noninterest expense to average assets | 3.1884% | 1,836 |
| Loan and lease loss provision to assets | -0.0359% | 5,810 |
| Net operating income to assets | 0.3677% | 5,129 |
| Return on assets (ROA) | 0.3677% | 5,219 |
| Pretax return on assets | 0.3722% | 5,388 |
| Return on Equity (ROE) | 3.7360% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.7360% | 3,517 |
| Net charge-offs to loans | -0.0886% | 5,578 |
| Credit loss provision to net charge-offs | 72.7273% | 2,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4580% | 581 |
| Assets per employee ($millions) | 4.8766% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1230% | 602 |
| Loan loss allowance to noncurrent loans | 207.9365% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 2.7205% | 475 |
| Noncurrent loans to loans | 1.0210% | 2,247 |
| Net loans and leases to total assets | 55.0434% | 4,407 |
| Net loans and leases to deposits | 61.3194% | 4,709 |
| Net loans and leases to core deposits | 61.3194% | 4,915 |
| Total domestic deposits to total assets | 89.7651% | 576 |
| Equity capital to assets | 10.0868% | 4,114 |
| Core capital (leverage) ratio | 9.8142% | 3,796 |
| Tier 1 risk-based capital ratio | 16.6616% | 2,374 |
| Total risk-based capital ratio | 17.9190% | 2,316 |
| Memoranda: | ||
| Average total assets | $44,599,330 | 5,571 |
| Average earning assets | $42,146,330 | 5,538 |
| Average equity | $4,389,670 | 5,701 |
| Average total loans | $24,819,670 | 5,470 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 4,784 |
| Cost of funding earning assets | 0.1218% | 5,805 |
| Net interest margin | 3.4185% | 3,808 |
| Noninterest income to average assets | 0.2580% | 4,885 |
| Noninterest expense to average assets | 3.0164% | 2,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4894% | 4,673 |
| Return on assets (ROA) | 0.4894% | 4,774 |
| Pretax return on assets | 0.4894% | 5,114 |
| Return on Equity (ROE) | 5.0332% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.0332% | 2,921 |
| Net charge-offs to loans | -0.0482% | 5,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0406% | 972 |
| Assets per employee ($millions) | 4.8238% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 648 |
| Loan loss allowance to noncurrent loans | 114.3791% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 2.1675% | 772 |
| Noncurrent loans to loans | 1.8648% | 1,187 |
| Net loans and leases to total assets | 55.4867% | 4,307 |
| Net loans and leases to deposits | 61.8269% | 4,587 |
| Net loans and leases to core deposits | 61.8269% | 4,826 |
| Total domestic deposits to total assets | 89.7452% | 710 |
| Equity capital to assets | 10.1327% | 3,915 |
| Core capital (leverage) ratio | 9.8936% | 3,668 |
| Tier 1 risk-based capital ratio | 17.1014% | 2,254 |
| Total risk-based capital ratio | 18.3610% | 2,216 |
| Memoranda: | ||
| Average total assets | $44,954,500 | 5,617 |
| Average earning assets | $42,708,500 | 5,577 |
| Average equity | $4,371,000 | 5,745 |
| Average total loans | $24,888,500 | 5,513 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 4,520 |
| Cost of funding earning assets | 0.1369% | 5,775 |
| Net interest margin | 3.5139% | 3,471 |
| Noninterest income to average assets | 0.3900% | 4,108 |
| Noninterest expense to average assets | 3.3217% | 1,674 |
| Loan and lease loss provision to assets | -0.3401% | 6,082 |
| Net operating income to assets | 0.7256% | 3,689 |
| Return on assets (ROA) | 0.7256% | 3,787 |
| Pretax return on assets | 0.7256% | 4,451 |
| Return on Equity (ROE) | 7.6071% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.6071% | 1,063 |
| Net charge-offs to loans | -0.0447% | 5,519 |
| Credit loss provision to net charge-offs | 1,363.6364% | 248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6024% | 713 |
| Assets per employee ($millions) | 5.1661% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 710 |
| Loan loss allowance to noncurrent loans | 57.5524% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.0260% | 861 |
| Noncurrent loans to loans | 3.6045% | 370 |
| Net loans and leases to total assets | 52.9971% | 4,603 |
| Net loans and leases to deposits | 58.5394% | 4,880 |
| Net loans and leases to core deposits | 58.5394% | 5,075 |
| Total domestic deposits to total assets | 90.5323% | 427 |
| Equity capital to assets | 9.3408% | 4,740 |
| Core capital (leverage) ratio | 9.2528% | 4,542 |
| Tier 1 risk-based capital ratio | 16.5567% | 2,450 |
| Total risk-based capital ratio | 17.8148% | 2,403 |
| Memoranda: | ||
| Average total assets | $44,103,800 | 5,681 |
| Average earning assets | $41,634,400 | 5,640 |
| Average equity | $4,206,600 | 5,820 |
| Average total loans | $24,627,800 | 5,566 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 4,288 |
| Cost of funding earning assets | 0.1370% | 5,874 |
| Net interest margin | 3.6037% | 3,145 |
| Noninterest income to average assets | 0.3432% | 4,480 |
| Noninterest expense to average assets | 3.4385% | 1,401 |
| Loan and lease loss provision to assets | -0.4597% | 6,203 |
| Net operating income to assets | 0.7508% | 3,679 |
| Return on assets (ROA) | 0.7508% | 3,772 |
| Pretax return on assets | 0.7508% | 4,490 |
| Return on Equity (ROE) | 7.8289% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.8289% | 1,316 |
| Net charge-offs to loans | -0.0272% | 5,311 |
| Credit loss provision to net charge-offs | 3,000.0000% | 123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1939% | 561 |
| Assets per employee ($millions) | 4.4716% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9962% | 914 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 5,012 |
| Noncurrent loans to loans | 0.1857% | 4,907 |
| Net loans and leases to total assets | 56.6531% | 4,285 |
| Net loans and leases to deposits | 62.7863% | 4,662 |
| Net loans and leases to core deposits | 62.7863% | 4,881 |
| Total domestic deposits to total assets | 90.2317% | 491 |
| Equity capital to assets | 9.5469% | 4,697 |
| Core capital (leverage) ratio | 9.2944% | 4,591 |
| Tier 1 risk-based capital ratio | 16.0797% | 2,760 |
| Total risk-based capital ratio | 17.3415% | 2,712 |
| Memoranda: | ||
| Average total assets | $43,506,000 | 5,771 |
| Average earning assets | $40,883,500 | 5,728 |
| Average equity | $4,172,500 | 5,904 |
| Average total loans | $24,494,000 | 5,641 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7633% | 4,198 |
| Cost of funding earning assets | 0.1337% | 5,956 |
| Net interest margin | 3.6296% | 2,976 |
| Noninterest income to average assets | 0.3387% | 4,532 |
| Noninterest expense to average assets | 3.4754% | 1,335 |
| Loan and lease loss provision to assets | -0.6960% | 6,300 |
| Net operating income to assets | 0.9605% | 2,582 |
| Return on assets (ROA) | 0.9605% | 2,696 |
| Pretax return on assets | 0.9605% | 3,736 |
| Return on Equity (ROE) | 9.9992% | 2,074 |
| Retained earnings to average equity (ytd only) | 9.9992% | 662 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9280% | 581 |
| Assets per employee ($millions) | 3.7820% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0881% | 869 |
| Loan loss allowance to noncurrent loans | 1,044.8980% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 5,128 |
| Noncurrent loans to loans | 0.1998% | 4,973 |
| Net loans and leases to total assets | 52.8997% | 4,671 |
| Net loans and leases to deposits | 58.4150% | 4,961 |
| Net loans and leases to core deposits | 58.4150% | 5,172 |
| Total domestic deposits to total assets | 90.5583% | 435 |
| Equity capital to assets | 9.3183% | 4,877 |
| Core capital (leverage) ratio | 9.7835% | 3,886 |
| Tier 1 risk-based capital ratio | 17.2591% | 2,300 |
| Total risk-based capital ratio | 18.5202% | 2,256 |
| Memoranda: | ||
| Average total assets | $43,102,670 | 5,838 |
| Average earning assets | $40,389,670 | 5,799 |
| Average equity | $4,140,330 | 5,970 |
| Average total loans | $24,042,330 | 5,707 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 4,477 |
| Cost of funding earning assets | 0.1336% | 6,037 |
| Net interest margin | 3.5342% | 3,286 |
| Noninterest income to average assets | 0.3146% | 4,678 |
| Noninterest expense to average assets | 3.6319% | 1,093 |
| Loan and lease loss provision to assets | -1.4299% | 6,395 |
| Net operating income to assets | 1.3917% | 1,044 |
| Return on assets (ROA) | 1.3917% | 1,096 |
| Pretax return on assets | 1.3917% | 1,916 |
| Return on Equity (ROE) | 14.2578% | 830 |
| Retained earnings to average equity (ytd only) | 14.2578% | 339 |
| Net charge-offs to loans | 0.0672% | 2,065 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,235 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 3,170 |
| Efficiency ratio | 101.0610% | 340 |
| Assets per employee ($millions) | 3.5784% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1185% | 903 |
| Loan loss allowance to noncurrent loans | 230.4545% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 3,700 |
| Noncurrent loans to loans | 0.9193% | 2,943 |
| Net loans and leases to total assets | 54.5516% | 4,364 |
| Net loans and leases to deposits | 60.5282% | 4,702 |
| Net loans and leases to core deposits | 60.5282% | 4,953 |
| Total domestic deposits to total assets | 90.1260% | 683 |
| Equity capital to assets | 9.7087% | 4,495 |
| Core capital (leverage) ratio | 9.9361% | 3,688 |
| Tier 1 risk-based capital ratio | 16.4102% | 2,729 |
| Total risk-based capital ratio | 17.6658% | 2,665 |
| Memoranda: | ||
| Average total assets | $41,962,000 | 5,917 |
| Average earning assets | $38,933,500 | 5,899 |
| Average equity | $4,096,000 | 6,033 |
| Average total loans | $23,803,500 | 5,762 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 4,714 |
| Cost of funding earning assets | 0.1757% | 5,934 |
| Net interest margin | 3.5492% | 3,603 |
| Noninterest income to average assets | 0.7558% | 2,053 |
| Noninterest expense to average assets | 4.2875% | 549 |
| Loan and lease loss provision to assets | -0.5998% | 6,460 |
| Net operating income to assets | 0.2663% | 5,606 |
| Return on assets (ROA) | 0.2663% | 5,677 |
| Pretax return on assets | 0.2663% | 5,763 |
| Return on Equity (ROE) | 2.8924% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.8924% | 4,180 |
| Net charge-offs to loans | -0.0328% | 5,813 |
| Credit loss provision to net charge-offs | 3,125.0000% | 94 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4345% | 240 |
| Assets per employee ($millions) | 3.4153% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7962% | 376 |
| Loan loss allowance to noncurrent loans | 269.1057% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9638% | 2,830 |
| Noncurrent loans to loans | 1.0391% | 2,747 |
| Net loans and leases to total assets | 56.1526% | 4,316 |
| Net loans and leases to deposits | 62.4268% | 4,691 |
| Net loans and leases to core deposits | 62.4268% | 4,966 |
| Total domestic deposits to total assets | 89.9495% | 754 |
| Equity capital to assets | 9.8163% | 4,329 |
| Core capital (leverage) ratio | 9.6716% | 4,015 |
| Tier 1 risk-based capital ratio | 16.2493% | 2,835 |
| Total risk-based capital ratio | 17.5176% | 2,775 |
| Memoranda: | ||
| Average total assets | $41,679,000 | 5,993 |
| Average earning assets | $37,558,200 | 5,996 |
| Average equity | $3,837,600 | 6,123 |
| Average total loans | $24,393,400 | 5,802 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 4,790 |
| Cost of funding earning assets | 0.1848% | 5,959 |
| Net interest margin | 3.5402% | 3,670 |
| Noninterest income to average assets | 0.6881% | 2,389 |
| Noninterest expense to average assets | 4.1828% | 620 |
| Loan and lease loss provision to assets | -0.7964% | 6,557 |
| Net operating income to assets | 0.4747% | 4,974 |
| Return on assets (ROA) | 0.4747% | 5,057 |
| Pretax return on assets | 0.4747% | 5,394 |
| Return on Equity (ROE) | 5.2400% | 4,606 |
| Retained earnings to average equity (ytd only) | 5.2400% | 2,925 |
| Net charge-offs to loans | -0.0488% | 5,894 |
| Credit loss provision to net charge-offs | 2,777.7778% | 141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3333% | 243 |
| Assets per employee ($millions) | 3.3015% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6088% | 563 |
| Loan loss allowance to noncurrent loans | 95.5331% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.8565% | 846 |
| Noncurrent loans to loans | 2.7308% | 1,032 |
| Net loans and leases to total assets | 57.6691% | 4,117 |
| Net loans and leases to deposits | 63.8686% | 4,553 |
| Net loans and leases to core deposits | 63.8686% | 4,890 |
| Total domestic deposits to total assets | 90.2933% | 615 |
| Equity capital to assets | 9.4643% | 4,837 |
| Core capital (leverage) ratio | 9.5867% | 4,267 |
| Tier 1 risk-based capital ratio | 14.9878% | 3,599 |
| Total risk-based capital ratio | 16.2534% | 3,517 |
| Memoranda: | ||
| Average total assets | $41,853,000 | 6,058 |
| Average earning assets | $37,511,250 | 6,072 |
| Average equity | $3,791,250 | 6,200 |
| Average total loans | $24,573,000 | 5,858 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 4,843 |
| Cost of funding earning assets | 0.1996% | 5,917 |
| Net interest margin | 3.5066% | 3,762 |
| Noninterest income to average assets | 1.0603% | 1,059 |
| Noninterest expense to average assets | 4.1930% | 604 |
| Loan and lease loss provision to assets | -1.2049% | 6,639 |
| Net operating income to assets | 1.2049% | 1,573 |
| Return on assets (ROA) | 1.2049% | 1,638 |
| Pretax return on assets | 1.2049% | 2,651 |
| Return on Equity (ROE) | 13.5099% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.5099% | 293 |
| Net charge-offs to loans | -0.0659% | 5,992 |
| Credit loss provision to net charge-offs | 3,125.0000% | 115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 401 |
| Assets per employee ($millions) | 3.0125% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7276% | 516 |
| Loan loss allowance to noncurrent loans | 80.6334% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 3.3788% | 705 |
| Noncurrent loans to loans | 3.3828% | 809 |
| Net loans and leases to total assets | 55.9763% | 4,290 |
| Net loans and leases to deposits | 62.2295% | 4,670 |
| Net loans and leases to core deposits | 62.2295% | 4,952 |
| Total domestic deposits to total assets | 89.9514% | 839 |
| Equity capital to assets | 9.8708% | 4,271 |
| Core capital (leverage) ratio | 10.1221% | 3,442 |
| Tier 1 risk-based capital ratio | 16.1126% | 3,034 |
| Total risk-based capital ratio | 17.3782% | 2,966 |
| Memoranda: | ||
| Average total assets | $41,497,670 | 6,124 |
| Average earning assets | $37,073,330 | 6,143 |
| Average equity | $3,701,000 | 6,261 |
| Average total loans | $24,292,670 | 5,914 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 4,774 |
| Cost of funding earning assets | 0.2291% | 5,761 |
| Net interest margin | 3.4915% | 3,735 |
| Noninterest income to average assets | 0.9232% | 1,323 |
| Noninterest expense to average assets | 4.3927% | 501 |
| Loan and lease loss provision to assets | -2.4296% | 6,723 |
| Net operating income to assets | 2.0700% | 296 |
| Return on assets (ROA) | 2.0700% | 306 |
| Pretax return on assets | 2.0700% | 452 |
| Return on Equity (ROE) | 24.5533% | 131 |
| Retained earnings to average equity (ytd only) | 24.5533% | 60 |
| Net charge-offs to loans | -0.0658% | 5,937 |
| Credit loss provision to net charge-offs | 6,250.0000% | 50 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9157% | 289 |
| Assets per employee ($millions) | 2.6953% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6709% | 656 |
| Loan loss allowance to noncurrent loans | 68.1159% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 3.6434% | 700 |
| Noncurrent loans to loans | 3.9211% | 692 |
| Net loans and leases to total assets | 59.3089% | 3,664 |
| Net loans and leases to deposits | 66.2980% | 4,059 |
| Net loans and leases to core deposits | 66.2980% | 4,466 |
| Total domestic deposits to total assets | 89.4581% | 1,388 |
| Equity capital to assets | 10.2080% | 3,590 |
| Core capital (leverage) ratio | 10.3506% | 3,115 |
| Tier 1 risk-based capital ratio | 15.4656% | 3,456 |
| Total risk-based capital ratio | 16.7322% | 3,408 |
| Memoranda: | ||
| Average total assets | $41,159,000 | 6,193 |
| Average earning assets | $36,660,500 | 6,216 |
| Average equity | $3,470,000 | 6,348 |
| Average total loans | $24,304,000 | 5,968 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 4,739 |
| Cost of funding earning assets | 0.3162% | 5,454 |
| Net interest margin | 3.5044% | 3,886 |
| Noninterest income to average assets | 0.8642% | 1,808 |
| Noninterest expense to average assets | 4.5551% | 504 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.5862% | 6,520 |
| Return on assets (ROA) | -0.6024% | 6,527 |
| Pretax return on assets | -0.6001% | 6,510 |
| Return on Equity (ROE) | -8.7802% | 6,569 |
| Retained earnings to average equity (ytd only) | -8.7802% | 6,513 |
| Net charge-offs to loans | 0.4228% | 1,582 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -2.3551% | 5,336 |
| Efficiency ratio | 114.7025% | 218 |
| Assets per employee ($millions) | 2.7926% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7711% | 232 |
| Loan loss allowance to noncurrent loans | 87.3430% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 5.4835% | 393 |
| Noncurrent loans to loans | 4.3175% | 634 |
| Net loans and leases to total assets | 55.0693% | 4,451 |
| Net loans and leases to deposits | 59.1988% | 5,017 |
| Net loans and leases to core deposits | 59.1988% | 5,282 |
| Total domestic deposits to total assets | 93.0244% | 134 |
| Equity capital to assets | 6.7154% | 6,528 |
| Core capital (leverage) ratio | 6.6736% | 6,573 |
| Tier 1 risk-based capital ratio | 10.9192% | 6,206 |
| Total risk-based capital ratio | 12.1963% | 6,148 |
| Memoranda: | ||
| Average total assets | $43,160,600 | 6,196 |
| Average earning assets | $38,266,000 | 6,214 |
| Average equity | $2,961,200 | 6,540 |
| Average total loans | $25,308,000 | 5,969 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 4,498 |
| Cost of funding earning assets | 0.3283% | 5,481 |
| Net interest margin | 3.5732% | 3,562 |
| Noninterest income to average assets | 1.1377% | 1,131 |
| Noninterest expense to average assets | 4.5569% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.2515% | 6,493 |
| Return on assets (ROA) | -0.2515% | 6,509 |
| Pretax return on assets | -0.2484% | 6,488 |
| Return on Equity (ROE) | -3.6465% | 6,555 |
| Retained earnings to average equity (ytd only) | -3.6465% | 6,413 |
| Net charge-offs to loans | 0.5928% | 1,055 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.7105% | 4,979 |
| Efficiency ratio | 105.7651% | 332 |
| Assets per employee ($millions) | 2.8484% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8699% | 261 |
| Loan loss allowance to noncurrent loans | 91.1585% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 5.3995% | 491 |
| Noncurrent loans to loans | 4.2452% | 808 |
| Net loans and leases to total assets | 52.1509% | 4,860 |
| Net loans and leases to deposits | 56.3089% | 5,348 |
| Net loans and leases to core deposits | 56.3089% | 5,596 |
| Total domestic deposits to total assets | 92.6157% | 162 |
| Equity capital to assets | 6.9981% | 6,553 |
| Core capital (leverage) ratio | 7.0472% | 6,577 |
| Tier 1 risk-based capital ratio | 11.8977% | 5,838 |
| Total risk-based capital ratio | 13.1789% | 5,764 |
| Memoranda: | ||
| Average total assets | $43,478,500 | 6,257 |
| Average earning assets | $38,582,250 | 6,285 |
| Average equity | $2,998,250 | 6,607 |
| Average total loans | $25,642,000 | 6,002 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 4,231 |
| Cost of funding earning assets | 0.3402% | 5,489 |
| Net interest margin | 3.6283% | 3,251 |
| Noninterest income to average assets | 1.4590% | 742 |
| Noninterest expense to average assets | 4.7016% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0274% | 6,331 |
| Return on assets (ROA) | -0.0595% | 6,412 |
| Pretax return on assets | -0.0549% | 6,399 |
| Return on Equity (ROE) | -0.8664% | 6,445 |
| Retained earnings to average equity (ytd only) | -0.8664% | 6,026 |
| Net charge-offs to loans | 0.6500% | 1,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.0581% | 4,568 |
| Efficiency ratio | 100.4888% | 472 |
| Assets per employee ($millions) | 3.2531% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6123% | 338 |
| Loan loss allowance to noncurrent loans | 91.8570% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 5.4623% | 538 |
| Noncurrent loans to loans | 3.9325% | 1,005 |
| Net loans and leases to total assets | 58.3637% | 3,930 |
| Net loans and leases to deposits | 63.1285% | 4,606 |
| Net loans and leases to core deposits | 63.1285% | 4,986 |
| Total domestic deposits to total assets | 92.4521% | 191 |
| Equity capital to assets | 7.2358% | 6,532 |
| Core capital (leverage) ratio | 7.0372% | 6,604 |
| Tier 1 risk-based capital ratio | 11.0306% | 6,319 |
| Total risk-based capital ratio | 12.3067% | 6,286 |
| Memoranda: | ||
| Average total assets | $43,729,330 | 6,295 |
| Average earning assets | $38,805,670 | 6,319 |
| Average equity | $3,001,000 | 6,651 |
| Average total loans | $26,463,000 | 6,001 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 4,012 |
| Cost of funding earning assets | 0.3549% | 5,482 |
| Net interest margin | 3.6707% | 2,986 |
| Noninterest income to average assets | -1.3049% | 7,009 |
| Noninterest expense to average assets | 3.8696% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.9258% | 6,922 |
| Return on assets (ROA) | -1.9258% | 6,924 |
| Pretax return on assets | -1.9168% | 6,913 |
| Return on Equity (ROE) | -28.8070% | 6,929 |
| Retained earnings to average equity (ytd only) | -28.8070% | 6,895 |
| Net charge-offs to loans | -0.6099% | 6,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 198.1567% | 39 |
| Assets per employee ($millions) | 3.3044% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9997% | 289 |
| Loan loss allowance to noncurrent loans | 59.1241% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 9.3186% | 227 |
| Noncurrent loans to loans | 6.7649% | 451 |
| Net loans and leases to total assets | 58.8356% | 3,645 |
| Net loans and leases to deposits | 63.8200% | 4,337 |
| Net loans and leases to core deposits | 63.8200% | 4,760 |
| Total domestic deposits to total assets | 92.1899% | 217 |
| Equity capital to assets | 6.6532% | 6,769 |
| Core capital (leverage) ratio | 6.4149% | 6,760 |
| Tier 1 risk-based capital ratio | 9.1465% | 6,798 |
| Total risk-based capital ratio | 10.4229% | 6,788 |
| Memoranda: | ||
| Average total assets | $44,449,000 | 6,331 |
| Average earning assets | $39,448,000 | 6,352 |
| Average equity | $2,971,500 | 6,732 |
| Average total loans | $26,891,000 | 6,031 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 5,023 |
| Cost of funding earning assets | 0.4619% | 5,483 |
| Net interest margin | 3.6161% | 4,018 |
| Noninterest income to average assets | 0.1504% | 6,288 |
| Noninterest expense to average assets | 5.0213% | 368 |
| Loan and lease loss provision to assets | 1.5475% | 198 |
| Net operating income to assets | -3.0969% | 7,010 |
| Return on assets (ROA) | -3.0969% | 7,016 |
| Pretax return on assets | -3.0950% | 7,019 |
| Return on Equity (ROE) | -42.8767% | 7,006 |
| Retained earnings to average equity (ytd only) | -42.8767% | 6,999 |
| Net charge-offs to loans | 2.8335% | 195 |
| Credit loss provision to net charge-offs | 87.4194% | 3,576 |
| Earnings coverage of net charge-offs (x) | -0.8742% | 5,740 |
| Efficiency ratio | 144.5479% | 102 |
| Assets per employee ($millions) | 3.5339% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6860% | 363 |
| Loan loss allowance to noncurrent loans | 76.8413% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 8.6894% | 299 |
| Noncurrent loans to loans | 4.7969% | 854 |
| Net loans and leases to total assets | 57.5586% | 4,051 |
| Net loans and leases to deposits | 62.9730% | 4,664 |
| Net loans and leases to core deposits | 62.9730% | 5,066 |
| Total domestic deposits to total assets | 91.4020% | 364 |
| Equity capital to assets | 6.7151% | 6,815 |
| Core capital (leverage) ratio | 6.1364% | 6,840 |
| Tier 1 risk-based capital ratio | 9.1385% | 6,840 |
| Total risk-based capital ratio | 10.4113% | 6,834 |
| Memoranda: | ||
| Average total assets | $52,536,600 | 6,134 |
| Average earning assets | $48,283,600 | 6,111 |
| Average equity | $3,794,600 | 6,612 |
| Average total loans | $32,822,000 | 5,811 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 5,591 |
| Cost of funding earning assets | 0.4784% | 5,575 |
| Net interest margin | 3.4949% | 4,667 |
| Noninterest income to average assets | 0.3617% | 4,927 |
| Noninterest expense to average assets | 5.3174% | 300 |
| Loan and lease loss provision to assets | 2.0005% | 121 |
| Net operating income to assets | -3.7229% | 7,132 |
| Return on assets (ROA) | -3.7229% | 7,134 |
| Pretax return on assets | -3.7205% | 7,132 |
| Return on Equity (ROE) | -50.7875% | 7,123 |
| Retained earnings to average equity (ytd only) | -50.7875% | 7,118 |
| Net charge-offs to loans | 3.6607% | 114 |
| Credit loss provision to net charge-offs | 86.6738% | 3,405 |
| Earnings coverage of net charge-offs (x) | -0.7452% | 5,543 |
| Efficiency ratio | 147.8112% | 95 |
| Assets per employee ($millions) | 3.2389% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3909% | 513 |
| Loan loss allowance to noncurrent loans | 42.5424% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 8.4269% | 347 |
| Noncurrent loans to loans | 7.9705% | 396 |
| Net loans and leases to total assets | 55.1986% | 4,572 |
| Net loans and leases to deposits | 61.8660% | 4,985 |
| Net loans and leases to core deposits | 61.8660% | 5,373 |
| Total domestic deposits to total assets | 89.2227% | 1,300 |
| Equity capital to assets | 6.1962% | 6,972 |
| Core capital (leverage) ratio | 6.1241% | 6,939 |
| Tier 1 risk-based capital ratio | 8.8075% | 6,958 |
| Total risk-based capital ratio | 10.0760% | 6,958 |
| Memoranda: | ||
| Average total assets | $54,185,500 | 6,148 |
| Average earning assets | $50,167,250 | 6,109 |
| Average equity | $3,972,000 | 6,653 |
| Average total loans | $34,163,750 | 5,827 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 5,555 |
| Cost of funding earning assets | 0.5120% | 5,540 |
| Net interest margin | 3.5177% | 4,596 |
| Noninterest income to average assets | 0.4475% | 4,314 |
| Noninterest expense to average assets | 4.7878% | 436 |
| Loan and lease loss provision to assets | 2.9578% | 64 |
| Net operating income to assets | -4.0274% | 7,194 |
| Return on assets (ROA) | -4.0274% | 7,195 |
| Pretax return on assets | -4.0238% | 7,190 |
| Return on Equity (ROE) | -52.3941% | 7,172 |
| Retained earnings to average equity (ytd only) | -52.3941% | 7,167 |
| Net charge-offs to loans | 5.8237% | 40 |
| Credit loss provision to net charge-offs | 78.2483% | 3,367 |
| Earnings coverage of net charge-offs (x) | -0.2820% | 5,184 |
| Efficiency ratio | 128.6413% | 172 |
| Assets per employee ($millions) | 3.3797% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7059% | 1,026 |
| Loan loss allowance to noncurrent loans | 28.5669% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 9.1962% | 320 |
| Noncurrent loans to loans | 9.4720% | 298 |
| Net loans and leases to total assets | 64.0477% | 3,023 |
| Net loans and leases to deposits | 75.3428% | 3,074 |
| Net loans and leases to core deposits | 75.3428% | 3,834 |
| Total domestic deposits to total assets | 85.0084% | 3,855 |
| Equity capital to assets | 7.1467% | 6,878 |
| Core capital (leverage) ratio | 6.8033% | 6,864 |
| Tier 1 risk-based capital ratio | 9.5210% | 6,924 |
| Total risk-based capital ratio | 10.7854% | 6,914 |
| Memoranda: | ||
| Average total assets | $54,973,330 | 6,167 |
| Average earning assets | $51,170,000 | 6,115 |
| Average equity | $4,225,670 | 6,624 |
| Average total loans | $35,682,000 | 5,802 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 5,851 |
| Cost of funding earning assets | 0.5525% | 5,481 |
| Net interest margin | 3.4193% | 5,032 |
| Noninterest income to average assets | 0.4132% | 4,572 |
| Noninterest expense to average assets | 4.0061% | 929 |
| Loan and lease loss provision to assets | 2.6474% | 91 |
| Net operating income to assets | -3.0396% | 7,222 |
| Return on assets (ROA) | -3.0396% | 7,222 |
| Pretax return on assets | -3.0326% | 7,210 |
| Return on Equity (ROE) | -38.3477% | 7,196 |
| Retained earnings to average equity (ytd only) | -38.3477% | 7,178 |
| Net charge-offs to loans | 6.1026% | 63 |
| Credit loss provision to net charge-offs | 67.2598% | 2,973 |
| Earnings coverage of net charge-offs (x) | -0.0979% | 4,406 |
| Efficiency ratio | 110.6383% | 327 |
| Assets per employee ($millions) | 3.3763% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7462% | 1,060 |
| Loan loss allowance to noncurrent loans | 24.2192% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 9.2631% | 365 |
| Noncurrent loans to loans | 11.3392% | 235 |
| Net loans and leases to total assets | 62.0148% | 3,253 |
| Net loans and leases to deposits | 75.5037% | 2,889 |
| Net loans and leases to core deposits | 75.9384% | 3,627 |
| Total domestic deposits to total assets | 82.1347% | 5,251 |
| Equity capital to assets | 7.9710% | 6,541 |
| Core capital (leverage) ratio | 7.5936% | 6,571 |
| Tier 1 risk-based capital ratio | 10.9454% | 6,563 |
| Total risk-based capital ratio | 12.2106% | 6,542 |
| Memoranda: | ||
| Average total assets | $57,112,500 | 6,152 |
| Average earning assets | $53,577,500 | 6,080 |
| Average equity | $4,527,000 | 6,573 |
| Average total loans | $36,837,000 | 5,784 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 2,985 |
| Cost of funding earning assets | 0.7154% | 5,430 |
| Net interest margin | 4.2618% | 1,834 |
| Noninterest income to average assets | -0.1889% | 7,152 |
| Noninterest expense to average assets | 3.8660% | 1,230 |
| Loan and lease loss provision to assets | 2.0611% | 274 |
| Net operating income to assets | -2.2319% | 7,066 |
| Return on assets (ROA) | -2.2319% | 7,084 |
| Pretax return on assets | -2.2319% | 7,074 |
| Return on Equity (ROE) | -24.1772% | 7,040 |
| Retained earnings to average equity (ytd only) | -24.1772% | 7,029 |
| Net charge-offs to loans | 2.0669% | 656 |
| Credit loss provision to net charge-offs | 145.4229% | 1,976 |
| Earnings coverage of net charge-offs (x) | -0.1205% | 5,904 |
| Efficiency ratio | 104.6222% | 551 |
| Assets per employee ($millions) | 3.7628% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8781% | 905 |
| Loan loss allowance to noncurrent loans | 23.9499% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 8.5742% | 437 |
| Noncurrent loans to loans | 12.0172% | 222 |
| Net loans and leases to total assets | 63.2815% | 3,334 |
| Net loans and leases to deposits | 84.5176% | 1,858 |
| Net loans and leases to core deposits | 85.6501% | 2,676 |
| Total domestic deposits to total assets | 74.8738% | 6,624 |
| Equity capital to assets | 7.8865% | 6,642 |
| Core capital (leverage) ratio | 7.5432% | 6,626 |
| Tier 1 risk-based capital ratio | 11.1098% | 6,398 |
| Total risk-based capital ratio | 12.3768% | 6,368 |
| Memoranda: | ||
| Average total assets | $60,889,600 | 6,008 |
| Average earning assets | $55,492,400 | 6,005 |
| Average equity | $5,621,000 | 6,254 |
| Average total loans | $41,753,000 | 5,606 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 2,263 |
| Cost of funding earning assets | 0.7564% | 5,427 |
| Net interest margin | 4.4295% | 1,319 |
| Noninterest income to average assets | 0.1397% | 6,549 |
| Noninterest expense to average assets | 4.1073% | 889 |
| Loan and lease loss provision to assets | 1.1049% | 741 |
| Net operating income to assets | -1.0699% | 6,913 |
| Return on assets (ROA) | -1.0699% | 6,940 |
| Pretax return on assets | -1.0699% | 6,899 |
| Return on Equity (ROE) | -11.1884% | 6,924 |
| Retained earnings to average equity (ytd only) | -11.1884% | 6,891 |
| Net charge-offs to loans | 2.2366% | 547 |
| Credit loss provision to net charge-offs | 71.1674% | 4,444 |
| Earnings coverage of net charge-offs (x) | 0.0225% | 5,583 |
| Efficiency ratio | 99.1566% | 690 |
| Assets per employee ($millions) | 3.9291% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 5,151 |
| Loan loss allowance to noncurrent loans | 17.3672% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 5.8061% | 939 |
| Noncurrent loans to loans | 7.3096% | 659 |
| Net loans and leases to total assets | 65.9397% | 2,914 |
| Net loans and leases to deposits | 86.0199% | 1,689 |
| Net loans and leases to core deposits | 86.4739% | 2,711 |
| Total domestic deposits to total assets | 76.6563% | 6,428 |
| Equity capital to assets | 8.9430% | 5,816 |
| Core capital (leverage) ratio | 8.9297% | 5,052 |
| Tier 1 risk-based capital ratio | 12.0213% | 5,879 |
| Total risk-based capital ratio | 13.1719% | 5,927 |
| Memoranda: | ||
| Average total assets | $61,061,000 | 6,057 |
| Average earning assets | $55,174,500 | 6,062 |
| Average equity | $5,839,250 | 6,241 |
| Average total loans | $42,384,500 | 5,631 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 1,484 |
| Cost of funding earning assets | 0.7759% | 5,533 |
| Net interest margin | 4.6518% | 812 |
| Noninterest income to average assets | 0.2183% | 6,103 |
| Noninterest expense to average assets | 4.0953% | 918 |
| Loan and lease loss provision to assets | 1.6176% | 426 |
| Net operating income to assets | -1.3497% | 7,051 |
| Return on assets (ROA) | -1.3497% | 7,057 |
| Pretax return on assets | -1.3497% | 7,015 |
| Return on Equity (ROE) | -13.8032% | 7,034 |
| Retained earnings to average equity (ytd only) | -13.8032% | 6,999 |
| Net charge-offs to loans | 2.1074% | 618 |
| Credit loss provision to net charge-offs | 109.1518% | 2,811 |
| Earnings coverage of net charge-offs (x) | 0.1808% | 5,172 |
| Efficiency ratio | 93.8590% | 984 |
| Assets per employee ($millions) | 2.9452% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 2,823 |
| Loan loss allowance to noncurrent loans | 43.1982% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 4.7348% | 1,314 |
| Noncurrent loans to loans | 4.2864% | 1,578 |
| Net loans and leases to total assets | 70.0105% | 2,217 |
| Net loans and leases to deposits | 94.3814% | 846 |
| Net loans and leases to core deposits | 94.9311% | 1,806 |
| Total domestic deposits to total assets | 74.1783% | 6,822 |
| Equity capital to assets | 9.5783% | 4,694 |
| Core capital (leverage) ratio | 9.3578% | 4,162 |
| Tier 1 risk-based capital ratio | 11.8871% | 5,870 |
| Total risk-based capital ratio | 13.1408% | 5,848 |
| Memoranda: | ||
| Average total assets | $60,459,670 | 6,125 |
| Average earning assets | $53,871,330 | 6,151 |
| Average equity | $5,911,670 | 6,257 |
| Average total loans | $42,517,330 | 5,680 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1784% | 2,310 |
| Cost of funding earning assets | 0.7756% | 5,707 |
| Net interest margin | 4.4027% | 1,270 |
| Noninterest income to average assets | 0.2874% | 5,623 |
| Noninterest expense to average assets | 4.0041% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1764% | 5,867 |
| Return on assets (ROA) | 0.1764% | 5,914 |
| Pretax return on assets | 0.1764% | 5,994 |
| Return on Equity (ROE) | 1.7862% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.7862% | 5,049 |
| Net charge-offs to loans | 0.0842% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,881 |
| Efficiency ratio | 95.7813% | 931 |
| Assets per employee ($millions) | 2.8361% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 3,284 |
| Loan loss allowance to noncurrent loans | 32.5727% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 4.8658% | 1,306 |
| Noncurrent loans to loans | 5.2673% | 1,258 |
| Net loans and leases to total assets | 70.0213% | 2,123 |
| Net loans and leases to deposits | 94.6399% | 773 |
| Net loans and leases to core deposits | 95.1842% | 1,747 |
| Total domestic deposits to total assets | 73.9871% | 6,903 |
| Equity capital to assets | 10.1580% | 3,584 |
| Core capital (leverage) ratio | 9.9793% | 3,164 |
| Tier 1 risk-based capital ratio | 12.7051% | 5,059 |
| Total risk-based capital ratio | 13.9574% | 5,034 |
| Memoranda: | ||
| Average total assets | $61,237,500 | 6,148 |
| Average earning assets | $54,148,500 | 6,196 |
| Average equity | $6,046,500 | 6,231 |
| Average total loans | $42,767,500 | 5,715 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2251% | 3,483 |
| Cost of funding earning assets | 0.9255% | 6,048 |
| Net interest margin | 4.2995% | 1,823 |
| Noninterest income to average assets | 0.3053% | 5,615 |
| Noninterest expense to average assets | 5.4343% | 314 |
| Loan and lease loss provision to assets | 0.3624% | 3,942 |
| Net operating income to assets | -1.6732% | 6,959 |
| Return on assets (ROA) | -1.6732% | 6,984 |
| Pretax return on assets | -1.6732% | 6,919 |
| Return on Equity (ROE) | -15.6291% | 6,941 |
| Retained earnings to average equity (ytd only) | -15.6291% | 6,903 |
| Net charge-offs to loans | 0.2644% | 4,711 |
| Credit loss provision to net charge-offs | 194.2149% | 1,638 |
| Earnings coverage of net charge-offs (x) | -7.0248% | 6,785 |
| Efficiency ratio | 131.7876% | 303 |
| Assets per employee ($millions) | 2.9960% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 3,182 |
| Loan loss allowance to noncurrent loans | 30.0326% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 5.1799% | 1,217 |
| Noncurrent loans to loans | 5.6933% | 1,127 |
| Net loans and leases to total assets | 67.3374% | 3,142 |
| Net loans and leases to deposits | 91.3907% | 1,337 |
| Net loans and leases to core deposits | 93.0017% | 2,385 |
| Total domestic deposits to total assets | 73.6808% | 6,926 |
| Equity capital to assets | 9.6049% | 4,267 |
| Core capital (leverage) ratio | 9.6875% | 3,442 |
| Tier 1 risk-based capital ratio | 12.3371% | 5,173 |
| Total risk-based capital ratio | 13.5688% | 5,156 |
| Memoranda: | ||
| Average total assets | $64,847,000 | 6,036 |
| Average earning assets | $57,587,600 | 6,078 |
| Average equity | $6,942,200 | 6,050 |
| Average total loans | $45,763,400 | 5,661 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 3,600 |
| Cost of funding earning assets | 0.9455% | 6,196 |
| Net interest margin | 4.3004% | 1,849 |
| Noninterest income to average assets | 0.4878% | 4,280 |
| Noninterest expense to average assets | 3.9634% | 1,096 |
| Loan and lease loss provision to assets | 0.2653% | 4,455 |
| Net operating income to assets | 0.1021% | 5,774 |
| Return on assets (ROA) | 0.1021% | 5,919 |
| Pretax return on assets | 0.1021% | 5,910 |
| Return on Equity (ROE) | 0.9302% | 5,909 |
| Retained earnings to average equity (ytd only) | 0.9302% | 5,433 |
| Net charge-offs to loans | 0.3360% | 3,971 |
| Credit loss provision to net charge-offs | 111.1111% | 3,807 |
| Earnings coverage of net charge-offs (x) | 1.5384% | 4,572 |
| Efficiency ratio | 91.5174% | 1,165 |
| Assets per employee ($millions) | 2.8515% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 4,054 |
| Loan loss allowance to noncurrent loans | 36.3844% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 4.2944% | 1,587 |
| Noncurrent loans to loans | 4.0643% | 1,834 |
| Net loans and leases to total assets | 67.5450% | 3,320 |
| Net loans and leases to deposits | 94.1225% | 1,187 |
| Net loans and leases to core deposits | 95.1839% | 2,359 |
| Total domestic deposits to total assets | 71.7629% | 7,157 |
| Equity capital to assets | 11.4517% | 2,574 |
| Core capital (leverage) ratio | 11.2741% | 2,085 |
| Tier 1 risk-based capital ratio | 14.6056% | 3,458 |
| Total risk-based capital ratio | 15.8563% | 3,426 |
| Memoranda: | ||
| Average total assets | $65,329,750 | 6,087 |
| Average earning assets | $58,381,000 | 6,116 |
| Average equity | $7,167,000 | 6,057 |
| Average total loans | $46,428,500 | 5,709 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2001% | 3,959 |
| Cost of funding earning assets | 0.9780% | 6,245 |
| Net interest margin | 4.2221% | 2,084 |
| Noninterest income to average assets | 0.4079% | 4,845 |
| Noninterest expense to average assets | 3.7797% | 1,398 |
| Loan and lease loss provision to assets | 0.3626% | 3,534 |
| Net operating income to assets | 0.0483% | 5,994 |
| Return on assets (ROA) | 0.0483% | 6,099 |
| Pretax return on assets | 0.0483% | 6,077 |
| Return on Equity (ROE) | 0.4468% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.4468% | 5,583 |
| Net charge-offs to loans | 0.4961% | 3,051 |
| Credit loss provision to net charge-offs | 101.6949% | 4,014 |
| Earnings coverage of net charge-offs (x) | 1.1525% | 4,642 |
| Efficiency ratio | 90.1947% | 1,319 |
| Assets per employee ($millions) | 3.2328% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 4,565 |
| Loan loss allowance to noncurrent loans | 36.8794% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 4.0801% | 1,674 |
| Noncurrent loans to loans | 3.7202% | 2,096 |
| Net loans and leases to total assets | 69.3779% | 3,043 |
| Net loans and leases to deposits | 100.0379% | 722 |
| Net loans and leases to core deposits | 101.1683% | 1,906 |
| Total domestic deposits to total assets | 69.3516% | 7,368 |
| Equity capital to assets | 11.0554% | 2,803 |
| Core capital (leverage) ratio | 10.8911% | 2,335 |
| Tier 1 risk-based capital ratio | 13.8590% | 3,834 |
| Total risk-based capital ratio | 15.0669% | 3,825 |
| Memoranda: | ||
| Average total assets | $66,195,330 | 6,095 |
| Average earning assets | $59,306,330 | 6,127 |
| Average equity | $7,161,330 | 6,086 |
| Average total loans | $47,568,330 | 5,700 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 4,293 |
| Cost of funding earning assets | 0.9986% | 6,382 |
| Net interest margin | 4.1521% | 2,222 |
| Noninterest income to average assets | 0.4898% | 4,127 |
| Noninterest expense to average assets | 3.6138% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6511% | 3,658 |
| Return on assets (ROA) | 0.6511% | 3,780 |
| Pretax return on assets | 0.6511% | 4,411 |
| Return on Equity (ROE) | 6.0826% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.0826% | 2,583 |
| Net charge-offs to loans | 0.1563% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 5.7368% | 2,342 |
| Efficiency ratio | 84.7339% | 1,944 |
| Assets per employee ($millions) | 3.1191% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 5,160 |
| Loan loss allowance to noncurrent loans | 31.9239% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 4.4656% | 1,522 |
| Noncurrent loans to loans | 3.9435% | 2,001 |
| Net loans and leases to total assets | 72.3256% | 2,379 |
| Net loans and leases to deposits | 98.5685% | 859 |
| Net loans and leases to core deposits | 100.7850% | 2,051 |
| Total domestic deposits to total assets | 73.3760% | 7,127 |
| Equity capital to assets | 11.0349% | 2,728 |
| Core capital (leverage) ratio | 10.7709% | 2,392 |
| Tier 1 risk-based capital ratio | 13.3701% | 4,074 |
| Total risk-based capital ratio | 14.4835% | 4,132 |
| Memoranda: | ||
| Average total assets | $66,965,000 | 6,138 |
| Average earning assets | $60,885,000 | 6,137 |
| Average equity | $7,168,000 | 6,126 |
| Average total loans | $48,612,000 | 5,729 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2149% | 5,584 |
| Cost of funding earning assets | 1.2514% | 6,467 |
| Net interest margin | 3.9634% | 3,015 |
| Noninterest income to average assets | -0.0580% | 7,768 |
| Noninterest expense to average assets | 3.5715% | 2,215 |
| Loan and lease loss provision to assets | 0.3523% | 4,689 |
| Net operating income to assets | -0.3608% | 6,039 |
| Return on assets (ROA) | -0.3608% | 6,030 |
| Pretax return on assets | -0.3608% | 5,885 |
| Return on Equity (ROE) | -3.4465% | 6,048 |
| Retained earnings to average equity (ytd only) | -3.4465% | 5,780 |
| Net charge-offs to loans | 0.6533% | 3,230 |
| Credit loss provision to net charge-offs | 76.3804% | 6,371 |
| Earnings coverage of net charge-offs (x) | -0.0184% | 6,226 |
| Efficiency ratio | 100.2383% | 1,085 |
| Assets per employee ($millions) | 3.2585% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 4,963 |
| Loan loss allowance to noncurrent loans | 50.7329% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 3.4634% | 1,942 |
| Noncurrent loans to loans | 2.4936% | 3,045 |
| Net loans and leases to total assets | 71.0561% | 2,983 |
| Net loans and leases to deposits | 102.2781% | 737 |
| Net loans and leases to core deposits | 114.2538% | 2,477 |
| Total domestic deposits to total assets | 69.4735% | 7,462 |
| Equity capital to assets | 10.3874% | 3,300 |
| Core capital (leverage) ratio | 10.0566% | 3,028 |
| Tier 1 risk-based capital ratio | 12.7633% | 4,315 |
| Total risk-based capital ratio | 13.8781% | 4,361 |
| Memoranda: | ||
| Average total assets | $70,669,600 | 5,982 |
| Average earning assets | $64,565,200 | 5,974 |
| Average equity | $7,398,800 | 6,130 |
| Average total loans | $49,896,800 | 5,677 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 5,782 |
| Cost of funding earning assets | 1.3056% | 6,542 |
| Net interest margin | 3.9187% | 3,165 |
| Noninterest income to average assets | 0.2153% | 6,694 |
| Noninterest expense to average assets | 3.5977% | 2,028 |
| Loan and lease loss provision to assets | 0.0468% | 6,900 |
| Net operating income to assets | 0.1497% | 5,322 |
| Return on assets (ROA) | 0.1497% | 5,383 |
| Pretax return on assets | 0.1497% | 5,415 |
| Return on Equity (ROE) | 1.4276% | 5,363 |
| Retained earnings to average equity (ytd only) | 1.4276% | 4,516 |
| Net charge-offs to loans | 0.8203% | 2,326 |
| Credit loss provision to net charge-offs | 8.1169% | 6,627 |
| Earnings coverage of net charge-offs (x) | 0.3409% | 5,685 |
| Efficiency ratio | 94.8199% | 1,346 |
| Assets per employee ($millions) | 3.4165% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 6,956 |
| Loan loss allowance to noncurrent loans | 32.5527% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 4.5688% | 1,330 |
| Noncurrent loans to loans | 2.6098% | 2,893 |
| Net loans and leases to total assets | 67.8314% | 3,995 |
| Net loans and leases to deposits | 103.3094% | 821 |
| Net loans and leases to core deposits | 114.9080% | 2,738 |
| Total domestic deposits to total assets | 65.6585% | 7,704 |
| Equity capital to assets | 10.4074% | 3,605 |
| Core capital (leverage) ratio | 10.4907% | 2,802 |
| Tier 1 risk-based capital ratio | 13.1629% | 4,076 |
| Total risk-based capital ratio | 13.8968% | 4,389 |
| Memoranda: | ||
| Average total assets | $71,229,750 | 6,003 |
| Average earning assets | $65,053,500 | 6,002 |
| Average equity | $7,471,500 | 6,165 |
| Average total loans | $50,059,500 | 5,717 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 5,866 |
| Cost of funding earning assets | 1.3728% | 6,573 |
| Net interest margin | 3.8778% | 3,217 |
| Noninterest income to average assets | 0.2027% | 6,844 |
| Noninterest expense to average assets | 3.6478% | 1,952 |
| Loan and lease loss provision to assets | 0.0704% | 6,496 |
| Net operating income to assets | 0.0225% | 5,778 |
| Return on assets (ROA) | 0.0225% | 5,857 |
| Pretax return on assets | 0.0225% | 5,821 |
| Return on Equity (ROE) | 0.2141% | 5,859 |
| Retained earnings to average equity (ytd only) | 0.2141% | 5,130 |
| Net charge-offs to loans | 1.2385% | 1,491 |
| Credit loss provision to net charge-offs | 8.0128% | 6,203 |
| Earnings coverage of net charge-offs (x) | 0.1058% | 5,568 |
| Efficiency ratio | 97.5169% | 1,291 |
| Assets per employee ($millions) | 3.1015% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 7,058 |
| Loan loss allowance to noncurrent loans | 33.4681% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 5.1735% | 1,003 |
| Noncurrent loans to loans | 2.4729% | 2,930 |
| Net loans and leases to total assets | 72.7049% | 3,036 |
| Net loans and leases to deposits | 107.4417% | 680 |
| Net loans and leases to core deposits | 119.9130% | 2,380 |
| Total domestic deposits to total assets | 67.6691% | 7,641 |
| Equity capital to assets | 10.9054% | 3,013 |
| Core capital (leverage) ratio | 10.5307% | 2,786 |
| Tier 1 risk-based capital ratio | 13.0283% | 4,127 |
| Total risk-based capital ratio | 13.7564% | 4,439 |
| Memoranda: | ||
| Average total assets | $71,057,330 | 6,055 |
| Average earning assets | $64,831,000 | 6,051 |
| Average equity | $7,473,000 | 6,194 |
| Average total loans | $50,384,670 | 5,753 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 6,413 |
| Cost of funding earning assets | 1.4100% | 6,695 |
| Net interest margin | 3.7601% | 3,618 |
| Noninterest income to average assets | 0.5023% | 4,305 |
| Noninterest expense to average assets | 3.5987% | 1,870 |
| Loan and lease loss provision to assets | 0.0828% | 5,901 |
| Net operating income to assets | 0.2649% | 5,418 |
| Return on assets (ROA) | 0.2649% | 5,583 |
| Pretax return on assets | 0.2649% | 5,771 |
| Return on Equity (ROE) | 2.5638% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.5638% | 4,454 |
| Net charge-offs to loans | 1.1707% | 1,178 |
| Credit loss provision to net charge-offs | 10.1351% | 5,198 |
| Earnings coverage of net charge-offs (x) | 0.4257% | 4,647 |
| Efficiency ratio | 91.1888% | 1,634 |
| Assets per employee ($millions) | 3.3172% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 5,316 |
| Loan loss allowance to noncurrent loans | 24.5136% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 6.2251% | 619 |
| Noncurrent loans to loans | 4.5770% | 1,246 |
| Net loans and leases to total assets | 68.4690% | 4,024 |
| Net loans and leases to deposits | 106.2561% | 842 |
| Net loans and leases to core deposits | 119.1985% | 2,487 |
| Total domestic deposits to total assets | 64.4377% | 7,824 |
| Equity capital to assets | 10.2454% | 3,715 |
| Core capital (leverage) ratio | 10.2855% | 3,125 |
| Tier 1 risk-based capital ratio | 12.8151% | 4,313 |
| Total risk-based capital ratio | 13.7908% | 4,442 |
| Memoranda: | ||
| Average total assets | $72,470,000 | 6,048 |
| Average earning assets | $66,381,500 | 6,027 |
| Average equity | $7,489,000 | 6,222 |
| Average total loans | $50,566,000 | 5,778 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7846% | 6,488 |
| Cost of funding earning assets | 2.1384% | 5,885 |
| Net interest margin | 3.6462% | 4,695 |
| Noninterest income to average assets | 0.3975% | 5,493 |
| Noninterest expense to average assets | 3.2587% | 3,123 |
| Loan and lease loss provision to assets | 0.4949% | 2,840 |
| Net operating income to assets | -0.0079% | 6,381 |
| Return on assets (ROA) | 0.0092% | 6,199 |
| Pretax return on assets | 0.0092% | 6,138 |
| Return on Equity (ROE) | 0.0944% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.0944% | 5,177 |
| Net charge-offs to loans | 1.6247% | 696 |
| Credit loss provision to net charge-offs | 47.9592% | 6,374 |
| Earnings coverage of net charge-offs (x) | 0.4719% | 5,953 |
| Efficiency ratio | 86.9993% | 1,767 |
| Assets per employee ($millions) | 3.2710% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 3,299 |
| Loan loss allowance to noncurrent loans | 32.1248% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 6.0449% | 489 |
| Noncurrent loans to loans | 4.3066% | 1,119 |
| Net loans and leases to total assets | 69.3389% | 4,184 |
| Net loans and leases to deposits | 107.2639% | 1,022 |
| Net loans and leases to core deposits | 121.8992% | 2,516 |
| Total domestic deposits to total assets | 64.6433% | 7,747 |
| Equity capital to assets | 10.4237% | 3,584 |
| Core capital (leverage) ratio | 9.8616% | 3,583 |
| Tier 1 risk-based capital ratio | 12.7776% | 4,241 |
| Total risk-based capital ratio | 13.9867% | 4,184 |
| Memoranda: | ||
| Average total assets | $75,980,600 | 5,837 |
| Average earning assets | $69,771,200 | 5,828 |
| Average equity | $7,412,600 | 6,308 |
| Average total loans | $48,254,200 | 5,769 |