Home > Local Bank > Performance and Condition Ratios
Local 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 | 5.9921% | 1,187 |
| Cost of funding earning assets | 2.6747% | 625 |
| Net interest margin | 3.3175% | 2,740 |
| Noninterest income to average assets | 0.2900% | 2,950 |
| Noninterest expense to average assets | 2.9546% | 1,216 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.2803% | 3,885 |
| Return on assets (ROA) | 0.2803% | 3,914 |
| Pretax return on assets | 0.2803% | 3,955 |
| Return on Equity (ROE) | 2.4500% | 3,942 |
| Retained earnings to average equity (ytd only) | -0.6903% | 3,819 |
| Net charge-offs to loans | 0.0028% | 2,198 |
| Credit loss provision to net charge-offs | 1,500.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 511 |
| Efficiency ratio | 90.5079% | 489 |
| Assets per employee ($millions) | 5.3823% | 3,406 |
| Cash dividends to net income (ytd only)* | 128.1690% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 4,049 |
| Loan loss allowance to noncurrent loans | 249.0590% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,531 |
| Noncurrent loans to loans | 0.2786% | 2,508 |
| Net loans and leases to total assets | 69.4400% | 1,899 |
| Net loans and leases to deposits | 85.4594% | 1,546 |
| Net loans and leases to core deposits | 118.6686% | 589 |
| Total domestic deposits to total assets | 81.2500% | 3,441 |
| Equity capital to assets | 11.3688% | 1,473 |
| Core capital (leverage) ratio | 12.5508% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2829% | 1,198 |
| Memoranda: | ||
| Average total assets | $405,336,500 | 2,059 |
| Average earning assets | $363,410,000 | 2,094 |
| Average equity | $46,355,500 | 1,856 |
| Average total loans | $284,880,000 | 1,941 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1124% | 1,147 |
| Cost of funding earning assets | 2.8848% | 602 |
| Net interest margin | 3.2276% | 2,672 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.7783% | 1,556 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.4482% | 3,588 |
| Return on assets (ROA) | 0.4482% | 3,609 |
| Pretax return on assets | 0.4482% | 3,731 |
| Return on Equity (ROE) | 3.6500% | 3,756 |
| Retained earnings to average equity (ytd only) | 0.9801% | 3,684 |
| Net charge-offs to loans | 0.0107% | 2,520 |
| Credit loss provision to net charge-offs | -174.0741% | 4,384 |
| Earnings coverage of net charge-offs (x) | 70.4815% | 1,010 |
| Efficiency ratio | 84.4881% | 765 |
| Assets per employee ($millions) | 5.5017% | 3,293 |
| Cash dividends to net income (ytd only)* | 73.1459% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 4,077 |
| Loan loss allowance to noncurrent loans | 269.5592% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 2,536 |
| Noncurrent loans to loans | 0.2559% | 2,504 |
| Net loans and leases to total assets | 70.1600% | 1,873 |
| Net loans and leases to deposits | 83.9816% | 1,783 |
| Net loans and leases to core deposits | 99.3201% | 1,484 |
| Total domestic deposits to total assets | 83.5400% | 2,904 |
| Equity capital to assets | 11.5051% | 1,361 |
| Core capital (leverage) ratio | 12.8112% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4049% | 1,175 |
| Memoranda: | ||
| Average total assets | $373,074,000 | 2,133 |
| Average earning assets | $335,482,800 | 2,185 |
| Average equity | $45,809,800 | 1,819 |
| Average total loans | $252,248,600 | 2,064 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0955% | 1,138 |
| Cost of funding earning assets | 2.8149% | 691 |
| Net interest margin | 3.2806% | 2,491 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.7884% | 1,479 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.4602% | 3,559 |
| Return on assets (ROA) | 0.4602% | 3,590 |
| Pretax return on assets | 0.4602% | 3,715 |
| Return on Equity (ROE) | 3.6800% | 3,779 |
| Retained earnings to average equity (ytd only) | 1.3242% | 3,633 |
| Net charge-offs to loans | 0.0093% | 2,302 |
| Credit loss provision to net charge-offs | 1,323.5294% | 332 |
| Earnings coverage of net charge-offs (x) | 87.5294% | 864 |
| Efficiency ratio | 83.7217% | 831 |
| Assets per employee ($millions) | 5.4524% | 3,319 |
| Cash dividends to net income (ytd only)* | 64.0538% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 3,829 |
| Loan loss allowance to noncurrent loans | 441.6174% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 2,834 |
| Noncurrent loans to loans | 0.1899% | 2,785 |
| Net loans and leases to total assets | 67.4300% | 2,158 |
| Net loans and leases to deposits | 80.0756% | 2,174 |
| Net loans and leases to core deposits | 95.1553% | 1,812 |
| Total domestic deposits to total assets | 84.2100% | 2,540 |
| Equity capital to assets | 11.9058% | 1,318 |
| Core capital (leverage) ratio | 12.9353% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2620% | 1,047 |
| Memoranda: | ||
| Average total assets | $365,937,000 | 2,155 |
| Average earning assets | $328,998,000 | 2,211 |
| Average equity | $45,710,500 | 1,819 |
| Average total loans | $244,376,500 | 2,102 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0091% | 1,152 |
| Cost of funding earning assets | 2.6790% | 792 |
| Net interest margin | 3.3301% | 2,341 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.9336% | 1,193 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 0.3792% | 3,706 |
| Return on assets (ROA) | 0.3792% | 3,743 |
| Pretax return on assets | 0.3792% | 3,836 |
| Return on Equity (ROE) | 2.9800% | 3,883 |
| Retained earnings to average equity (ytd only) | 0.6348% | 3,686 |
| Net charge-offs to loans | 0.0135% | 1,930 |
| Credit loss provision to net charge-offs | 937.5000% | 426 |
| Earnings coverage of net charge-offs (x) | 51.6875% | 1,095 |
| Efficiency ratio | 86.3621% | 736 |
| Assets per employee ($millions) | 5.1812% | 3,478 |
| Cash dividends to net income (ytd only)* | 78.7297% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 3,837 |
| Loan loss allowance to noncurrent loans | 662.0795% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,047 |
| Noncurrent loans to loans | 0.1275% | 3,007 |
| Net loans and leases to total assets | 68.1900% | 2,102 |
| Net loans and leases to deposits | 86.8858% | 1,581 |
| Net loans and leases to core deposits | 104.4671% | 1,229 |
| Total domestic deposits to total assets | 78.4900% | 3,650 |
| Equity capital to assets | 12.2201% | 1,098 |
| Core capital (leverage) ratio | 13.1593% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0170% | 921 |
| Memoranda: | ||
| Average total assets | $357,032,667 | 2,183 |
| Average earning assets | $321,310,333 | 2,232 |
| Average equity | $45,365,667 | 1,811 |
| Average total loans | $236,753,333 | 2,135 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8790% | 1,226 |
| Cost of funding earning assets | 2.6298% | 803 |
| Net interest margin | 3.2493% | 2,455 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.8938% | 1,248 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.3026% | 3,814 |
| Return on assets (ROA) | 0.3026% | 3,845 |
| Pretax return on assets | 0.3026% | 3,914 |
| Return on Equity (ROE) | 2.3300% | 3,961 |
| Retained earnings to average equity (ytd only) | 0.1326% | 3,673 |
| Net charge-offs to loans | 0.0212% | 1,430 |
| Credit loss provision to net charge-offs | 625.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 1,191 |
| Efficiency ratio | 88.1634% | 673 |
| Assets per employee ($millions) | 5.2180% | 3,491 |
| Cash dividends to net income (ytd only)* | 94.3182% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 3,755 |
| Loan loss allowance to noncurrent loans | 430.6584% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 2,732 |
| Noncurrent loans to loans | 0.2049% | 2,605 |
| Net loans and leases to total assets | 65.2900% | 2,335 |
| Net loans and leases to deposits | 83.9399% | 1,722 |
| Net loans and leases to core deposits | 101.4352% | 1,331 |
| Total domestic deposits to total assets | 77.7800% | 3,828 |
| Equity capital to assets | 12.5646% | 968 |
| Core capital (leverage) ratio | 13.8155% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8504% | 815 |
| Memoranda: | ||
| Average total assets | $349,024,500 | 2,215 |
| Average earning assets | $313,793,000 | 2,263 |
| Average equity | $45,255,000 | 1,799 |
| Average total loans | $226,851,000 | 2,188 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 1,419 |
| Cost of funding earning assets | 2.2143% | 625 |
| Net interest margin | 3.1227% | 3,045 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 3.0723% | 1,006 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.4419% | 3,784 |
| Return on assets (ROA) | 0.4394% | 3,789 |
| Pretax return on assets | 0.5200% | 3,772 |
| Return on Equity (ROE) | 3.1300% | 4,004 |
| Retained earnings to average equity (ytd only) | 0.0224% | 4,039 |
| Net charge-offs to loans | 0.0015% | 2,776 |
| Credit loss provision to net charge-offs | 20,200.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 756.0000% | 188 |
| Efficiency ratio | 81.1550% | 840 |
| Assets per employee ($millions) | 5.0449% | 3,602 |
| Cash dividends to net income (ytd only)* | 99.2842% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 3,574 |
| Loan loss allowance to noncurrent loans | 1,482.4818% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,343 |
| Noncurrent loans to loans | 0.0633% | 3,258 |
| Net loans and leases to total assets | 63.4600% | 2,512 |
| Net loans and leases to deposits | 73.3849% | 2,662 |
| Net loans and leases to core deposits | 87.6909% | 2,194 |
| Total domestic deposits to total assets | 86.4800% | 1,868 |
| Equity capital to assets | 13.3938% | 787 |
| Core capital (leverage) ratio | 14.3424% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8073% | 622 |
| Memoranda: | ||
| Average total assets | $317,902,000 | 2,332 |
| Average earning assets | $288,403,400 | 2,362 |
| Average equity | $44,621,400 | 1,745 |
| Average total loans | $194,571,000 | 2,326 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 1,490 |
| Cost of funding earning assets | 2.0541% | 642 |
| Net interest margin | 3.1260% | 3,090 |
| Noninterest income to average assets | 1.1300% | 539 |
| Noninterest expense to average assets | 3.0252% | 1,038 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 0.6143% | 3,508 |
| Return on assets (ROA) | 0.6111% | 3,505 |
| Pretax return on assets | 0.7202% | 3,506 |
| Return on Equity (ROE) | 4.3000% | 3,937 |
| Retained earnings to average equity (ytd only) | 1.6884% | 3,796 |
| Net charge-offs to loans | 0.0028% | 2,433 |
| Credit loss provision to net charge-offs | 13,275.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 557.5000% | 282 |
| Efficiency ratio | 76.0960% | 1,161 |
| Assets per employee ($millions) | 5.0430% | 3,573 |
| Cash dividends to net income (ytd only)* | 60.7392% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 3,565 |
| Loan loss allowance to noncurrent loans | 1,670.9402% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,443 |
| Noncurrent loans to loans | 0.0568% | 3,347 |
| Net loans and leases to total assets | 62.3000% | 2,620 |
| Net loans and leases to deposits | 75.5724% | 2,454 |
| Net loans and leases to core deposits | 85.2518% | 2,236 |
| Total domestic deposits to total assets | 82.4300% | 3,137 |
| Equity capital to assets | 13.5841% | 710 |
| Core capital (leverage) ratio | 15.2299% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4658% | 592 |
| Memoranda: | ||
| Average total assets | $312,875,750 | 2,360 |
| Average earning assets | $284,364,250 | 2,386 |
| Average equity | $44,458,750 | 1,734 |
| Average total loans | $189,078,000 | 2,370 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0506% | 1,465 |
| Cost of funding earning assets | 1.9695% | 526 |
| Net interest margin | 3.0811% | 3,264 |
| Noninterest income to average assets | 1.4900% | 328 |
| Noninterest expense to average assets | 3.1393% | 856 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 0.7136% | 3,317 |
| Return on assets (ROA) | 0.7087% | 3,330 |
| Pretax return on assets | 0.8425% | 3,298 |
| Return on Equity (ROE) | 4.9100% | 3,886 |
| Retained earnings to average equity (ytd only) | 2.2279% | 3,667 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.0060% | 1,454 |
| Assets per employee ($millions) | 4.5598% | 3,910 |
| Cash dividends to net income (ytd only)* | 54.6288% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,417 |
| Loan loss allowance to noncurrent loans | 2,030.8511% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 3,496 |
| Noncurrent loans to loans | 0.0493% | 3,360 |
| Net loans and leases to total assets | 59.2000% | 2,845 |
| Net loans and leases to deposits | 69.0672% | 2,855 |
| Net loans and leases to core deposits | 76.6712% | 2,714 |
| Total domestic deposits to total assets | 85.7100% | 2,327 |
| Equity capital to assets | 14.1136% | 635 |
| Core capital (leverage) ratio | 15.6745% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6089% | 514 |
| Memoranda: | ||
| Average total assets | $307,903,000 | 2,394 |
| Average earning assets | $280,480,667 | 2,420 |
| Average equity | $44,435,667 | 1,738 |
| Average total loans | $183,385,000 | 2,407 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0400% | 1,151 |
| Cost of funding earning assets | 1.9417% | 335 |
| Net interest margin | 3.0983% | 3,348 |
| Noninterest income to average assets | 1.9000% | 246 |
| Noninterest expense to average assets | 3.3111% | 688 |
| Loan and lease loss provision to assets | 0.5600% | 129 |
| Net operating income to assets | 0.8178% | 3,142 |
| Return on assets (ROA) | 0.8178% | 3,090 |
| Pretax return on assets | 0.8509% | 3,346 |
| Return on Equity (ROE) | 5.6000% | 3,788 |
| Retained earnings to average equity (ytd only) | 2.4020% | 3,629 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.0644% | 1,743 |
| Assets per employee ($millions) | 4.2383% | 4,152 |
| Cash dividends to net income (ytd only)* | 57.1197% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,519 |
| Loan loss allowance to noncurrent loans | 1,483.2000% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,385 |
| Noncurrent loans to loans | 0.0674% | 3,249 |
| Net loans and leases to total assets | 59.3200% | 2,736 |
| Net loans and leases to deposits | 69.7162% | 2,637 |
| Net loans and leases to core deposits | 77.2649% | 2,439 |
| Total domestic deposits to total assets | 85.0900% | 2,836 |
| Equity capital to assets | 14.5432% | 527 |
| Core capital (leverage) ratio | 15.9300% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4633% | 474 |
| Memoranda: | ||
| Average total assets | $302,260,500 | 2,459 |
| Average earning assets | $275,635,000 | 2,475 |
| Average equity | $44,129,000 | 1,764 |
| Average total loans | $179,648,000 | 2,455 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 941 |
| Cost of funding earning assets | 0.7876% | 407 |
| Net interest margin | 3.5794% | 1,704 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.5118% | 486 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.5699% | 3,944 |
| Return on assets (ROA) | 0.5699% | 3,907 |
| Pretax return on assets | 0.6578% | 3,934 |
| Return on Equity (ROE) | 4.6600% | 4,071 |
| Retained earnings to average equity (ytd only) | 1.5907% | 4,076 |
| Net charge-offs to loans | 0.0231% | 1,600 |
| Credit loss provision to net charge-offs | 1,296.8750% | 359 |
| Earnings coverage of net charge-offs (x) | 61.8125% | 1,234 |
| Efficiency ratio | 80.8370% | 658 |
| Assets per employee ($millions) | 4.4040% | 4,089 |
| Cash dividends to net income (ytd only)* | 65.8789% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 3,985 |
| Loan loss allowance to noncurrent loans | 1,428.0000% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 3,465 |
| Noncurrent loans to loans | 0.0575% | 3,347 |
| Net loans and leases to total assets | 58.4600% | 2,779 |
| Net loans and leases to deposits | 68.5960% | 2,694 |
| Net loans and leases to core deposits | 74.2383% | 2,549 |
| Total domestic deposits to total assets | 85.2200% | 2,930 |
| Equity capital to assets | 14.6616% | 509 |
| Core capital (leverage) ratio | 16.0968% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0851% | 473 |
| Memoranda: | ||
| Average total assets | $237,600,200 | 2,801 |
| Average earning assets | $221,295,600 | 2,793 |
| Average equity | $29,043,000 | 2,375 |
| Average total loans | $138,730,400 | 2,743 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 1,131 |
| Cost of funding earning assets | 0.5094% | 726 |
| Net interest margin | 3.5554% | 1,503 |
| Noninterest income to average assets | 1.0700% | 603 |
| Noninterest expense to average assets | 3.4313% | 510 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.6212% | 3,781 |
| Return on assets (ROA) | 0.6212% | 3,737 |
| Pretax return on assets | 0.7950% | 3,589 |
| Return on Equity (ROE) | 5.4400% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.0445% | 3,762 |
| Net charge-offs to loans | 0.0164% | 1,526 |
| Credit loss provision to net charge-offs | 1,843.7500% | 268 |
| Earnings coverage of net charge-offs (x) | 101.6250% | 943 |
| Efficiency ratio | 77.9406% | 919 |
| Assets per employee ($millions) | 5.0781% | 3,614 |
| Cash dividends to net income (ytd only)* | 44.0385% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 3,990 |
| Loan loss allowance to noncurrent loans | 1,364.9485% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 3,573 |
| Noncurrent loans to loans | 0.0621% | 3,432 |
| Net loans and leases to total assets | 54.4200% | 3,057 |
| Net loans and leases to deposits | 62.3460% | 2,997 |
| Net loans and leases to core deposits | 66.8744% | 2,889 |
| Total domestic deposits to total assets | 87.2900% | 2,669 |
| Equity capital to assets | 12.5906% | 752 |
| Core capital (leverage) ratio | 14.2949% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6858% | 514 |
| Memoranda: | ||
| Average total assets | $223,232,750 | 2,900 |
| Average earning assets | $209,143,250 | 2,885 |
| Average equity | $25,488,250 | 2,598 |
| Average total loans | $129,934,500 | 2,827 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 1,486 |
| Cost of funding earning assets | 0.3673% | 1,126 |
| Net interest margin | 3.3556% | 1,739 |
| Noninterest income to average assets | 1.2097% | 471 |
| Noninterest expense to average assets | 3.4715% | 448 |
| Loan and lease loss provision to assets | 0.1331% | 720 |
| Net operating income to assets | 0.6202% | 3,567 |
| Return on assets (ROA) | 0.6202% | 3,517 |
| Pretax return on assets | 0.7395% | 3,478 |
| Return on Equity (ROE) | 5.6512% | 3,671 |
| Retained earnings to average equity (ytd only) | 3.1535% | 3,395 |
| Net charge-offs to loans | 0.0264% | 1,187 |
| Credit loss provision to net charge-offs | 843.7500% | 461 |
| Earnings coverage of net charge-offs (x) | 55.3125% | 1,113 |
| Efficiency ratio | 79.9138% | 956 |
| Assets per employee ($millions) | 4.9055% | 3,757 |
| Cash dividends to net income (ytd only)* | 44.1971% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 4,062 |
| Loan loss allowance to noncurrent loans | 1,212.5000% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 3,620 |
| Noncurrent loans to loans | 0.0711% | 3,446 |
| Net loans and leases to total assets | 50.5147% | 3,321 |
| Net loans and leases to deposits | 59.0187% | 3,132 |
| Net loans and leases to core deposits | 63.6052% | 3,001 |
| Total domestic deposits to total assets | 85.5910% | 3,356 |
| Equity capital to assets | 14.2905% | 484 |
| Core capital (leverage) ratio | 20.2406% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2288% | 314 |
| Memoranda: | ||
| Average total assets | $202,853,333 | 3,078 |
| Average earning assets | $189,473,333 | 3,067 |
| Average equity | $22,260,667 | 2,868 |
| Average total loans | $121,216,667 | 2,933 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 854 |
| Cost of funding earning assets | 0.3484% | 1,221 |
| Net interest margin | 3.5990% | 895 |
| Noninterest income to average assets | 0.9917% | 689 |
| Noninterest expense to average assets | 3.9131% | 297 |
| Loan and lease loss provision to assets | 0.0489% | 1,496 |
| Net operating income to assets | 0.3725% | 4,015 |
| Return on assets (ROA) | 0.3725% | 3,978 |
| Pretax return on assets | 0.3725% | 4,081 |
| Return on Equity (ROE) | 4.4249% | 3,775 |
| Retained earnings to average equity (ytd only) | 1.4658% | 3,703 |
| Net charge-offs to loans | 0.0595% | 719 |
| Credit loss provision to net charge-offs | 123.5294% | 922 |
| Earnings coverage of net charge-offs (x) | 10.6471% | 1,458 |
| Efficiency ratio | 90.2793% | 534 |
| Assets per employee ($millions) | 3.3511% | 4,595 |
| Cash dividends to net income (ytd only)* | 66.8750% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,126 |
| Loan loss allowance to noncurrent loans | 2,331.1111% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,786 |
| Noncurrent loans to loans | 0.0370% | 3,716 |
| Net loans and leases to total assets | 69.1911% | 1,095 |
| Net loans and leases to deposits | 75.3578% | 1,500 |
| Net loans and leases to core deposits | 80.7267% | 1,436 |
| Total domestic deposits to total assets | 91.8167% | 650 |
| Equity capital to assets | 8.0266% | 3,545 |
| Core capital (leverage) ratio | 8.6924% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4798% | 2,780 |
| Memoranda: | ||
| Average total assets | $171,831,500 | 3,330 |
| Average earning assets | $159,601,000 | 3,331 |
| Average equity | $14,463,500 | 3,610 |
| Average total loans | $114,337,000 | 3,010 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 596 |
| Cost of funding earning assets | 0.3682% | 1,777 |
| Net interest margin | 4.1443% | 542 |
| Noninterest income to average assets | 1.8338% | 359 |
| Noninterest expense to average assets | 3.9139% | 314 |
| Loan and lease loss provision to assets | 0.0857% | 1,434 |
| Net operating income to assets | 1.7191% | 605 |
| Return on assets (ROA) | 1.7191% | 627 |
| Pretax return on assets | 1.7569% | 1,012 |
| Return on Equity (ROE) | 20.6479% | 278 |
| Retained earnings to average equity (ytd only) | 17.8323% | 95 |
| Net charge-offs to loans | 0.1224% | 739 |
| Credit loss provision to net charge-offs | 106.2500% | 1,737 |
| Earnings coverage of net charge-offs (x) | 22.8438% | 1,788 |
| Efficiency ratio | 67.9912% | 1,984 |
| Assets per employee ($millions) | 3.4572% | 4,598 |
| Cash dividends to net income (ytd only)* | 13.6364% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,844 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,792 |
| Noncurrent loans to loans | 0.0532% | 3,702 |
| Net loans and leases to total assets | 62.5773% | 1,875 |
| Net loans and leases to deposits | 68.7410% | 2,242 |
| Net loans and leases to core deposits | 73.8204% | 2,097 |
| Total domestic deposits to total assets | 91.0333% | 485 |
| Equity capital to assets | 8.8191% | 3,792 |
| Core capital (leverage) ratio | 8.5639% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6108% | 2,014 |
| Memoranda: | ||
| Average total assets | $158,689,200 | 3,404 |
| Average earning assets | $150,208,000 | 3,377 |
| Average equity | $13,212,000 | 3,811 |
| Average total loans | $104,536,600 | 3,141 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 595 |
| Cost of funding earning assets | 0.3675% | 1,960 |
| Net interest margin | 4.2066% | 539 |
| Noninterest income to average assets | 2.1186% | 320 |
| Noninterest expense to average assets | 3.5681% | 421 |
| Loan and lease loss provision to assets | 0.0981% | 1,219 |
| Net operating income to assets | 2.4152% | 239 |
| Return on assets (ROA) | 2.4152% | 248 |
| Pretax return on assets | 2.4536% | 364 |
| Return on Equity (ROE) | 29.4828% | 102 |
| Retained earnings to average equity (ytd only) | 27.0729% | 38 |
| Net charge-offs to loans | 0.0898% | 801 |
| Credit loss provision to net charge-offs | 164.2857% | 1,301 |
| Earnings coverage of net charge-offs (x) | 42.6571% | 1,327 |
| Efficiency ratio | 58.3019% | 3,220 |
| Assets per employee ($millions) | 3.6109% | 4,603 |
| Cash dividends to net income (ytd only)* | 8.1741% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 3,789 |
| Loan loss allowance to noncurrent loans | 405.6180% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 3,089 |
| Noncurrent loans to loans | 0.2504% | 2,938 |
| Net loans and leases to total assets | 60.9049% | 2,144 |
| Net loans and leases to deposits | 67.0122% | 2,539 |
| Net loans and leases to core deposits | 71.5726% | 2,459 |
| Total domestic deposits to total assets | 90.8863% | 406 |
| Equity capital to assets | 8.7981% | 4,001 |
| Core capital (leverage) ratio | 8.9454% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4881% | 1,491 |
| Memoranda: | ||
| Average total assets | $156,010,250 | 3,467 |
| Average earning assets | $148,397,500 | 3,430 |
| Average equity | $12,780,000 | 3,902 |
| Average total loans | $103,907,250 | 3,189 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 531 |
| Cost of funding earning assets | 0.3797% | 2,055 |
| Net interest margin | 4.3234% | 472 |
| Noninterest income to average assets | 0.5764% | 2,311 |
| Noninterest expense to average assets | 3.6249% | 398 |
| Loan and lease loss provision to assets | 0.1225% | 1,026 |
| Net operating income to assets | 0.9172% | 3,172 |
| Return on assets (ROA) | 0.9172% | 3,247 |
| Pretax return on assets | 0.9372% | 3,577 |
| Return on Equity (ROE) | 11.5246% | 2,221 |
| Retained earnings to average equity (ytd only) | 8.9989% | 1,708 |
| Net charge-offs to loans | 0.0971% | 755 |
| Credit loss provision to net charge-offs | 184.0000% | 1,080 |
| Earnings coverage of net charge-offs (x) | 15.9200% | 1,623 |
| Efficiency ratio | 77.3799% | 960 |
| Assets per employee ($millions) | 3.4590% | 4,678 |
| Cash dividends to net income (ytd only)* | 21.9158% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,792 |
| Loan loss allowance to noncurrent loans | 362.4161% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 3,042 |
| Noncurrent loans to loans | 0.2783% | 2,939 |
| Net loans and leases to total assets | 65.1955% | 1,800 |
| Net loans and leases to deposits | 71.1875% | 2,283 |
| Net loans and leases to core deposits | 76.0414% | 2,233 |
| Total domestic deposits to total assets | 91.5829% | 219 |
| Equity capital to assets | 8.1157% | 4,474 |
| Core capital (leverage) ratio | 8.4045% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6220% | 2,115 |
| Memoranda: | ||
| Average total assets | $150,240,000 | 3,527 |
| Average earning assets | $142,758,333 | 3,488 |
| Average equity | $11,957,000 | 3,993 |
| Average total loans | $102,995,000 | 3,219 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 411 |
| Cost of funding earning assets | 0.3929% | 2,153 |
| Net interest margin | 4.5099% | 347 |
| Noninterest income to average assets | 0.6413% | 2,059 |
| Noninterest expense to average assets | 3.6509% | 390 |
| Loan and lease loss provision to assets | 0.1138% | 1,213 |
| Net operating income to assets | 1.1466% | 2,342 |
| Return on assets (ROA) | 1.1466% | 2,410 |
| Pretax return on assets | 1.1466% | 2,999 |
| Return on Equity (ROE) | 14.5698% | 1,308 |
| Retained earnings to average equity (ytd only) | 11.9240% | 1,167 |
| Net charge-offs to loans | 0.1387% | 541 |
| Credit loss provision to net charge-offs | 117.1429% | 1,057 |
| Earnings coverage of net charge-offs (x) | 12.9714% | 1,415 |
| Efficiency ratio | 74.3358% | 1,279 |
| Assets per employee ($millions) | 3.0906% | 4,803 |
| Cash dividends to net income (ytd only)* | 18.1598% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 3,805 |
| Loan loss allowance to noncurrent loans | 313.5135% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 3,028 |
| Noncurrent loans to loans | 0.3217% | 2,950 |
| Net loans and leases to total assets | 69.0772% | 1,404 |
| Net loans and leases to deposits | 75.1347% | 2,003 |
| Net loans and leases to core deposits | 79.8687% | 2,012 |
| Total domestic deposits to total assets | 91.9378% | 159 |
| Equity capital to assets | 7.7454% | 4,614 |
| Core capital (leverage) ratio | 7.8964% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4820% | 2,498 |
| Memoranda: | ||
| Average total assets | $144,073,000 | 3,588 |
| Average earning assets | $136,409,500 | 3,559 |
| Average equity | $11,338,500 | 4,072 |
| Average total loans | $100,957,000 | 3,247 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 739 |
| Cost of funding earning assets | 0.6543% | 1,965 |
| Net interest margin | 4.1438% | 721 |
| Noninterest income to average assets | 0.8358% | 1,437 |
| Noninterest expense to average assets | 4.0694% | 358 |
| Loan and lease loss provision to assets | 0.0301% | 4,021 |
| Net operating income to assets | 0.6266% | 3,664 |
| Return on assets (ROA) | 0.6266% | 3,785 |
| Pretax return on assets | 0.6560% | 3,972 |
| Return on Equity (ROE) | 7.5220% | 2,991 |
| Retained earnings to average equity (ytd only) | 3.6776% | 2,994 |
| Net charge-offs to loans | 0.0312% | 2,409 |
| Credit loss provision to net charge-offs | 130.0000% | 2,553 |
| Earnings coverage of net charge-offs (x) | 29.6333% | 1,623 |
| Efficiency ratio | 85.5729% | 545 |
| Assets per employee ($millions) | 2.8530% | 4,847 |
| Cash dividends to net income (ytd only)* | 51.1084% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,666 |
| Loan loss allowance to noncurrent loans | 166.9887% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 1,909 |
| Noncurrent loans to loans | 0.6311% | 2,114 |
| Net loans and leases to total assets | 69.6421% | 1,605 |
| Net loans and leases to deposits | 76.0356% | 2,279 |
| Net loans and leases to core deposits | 81.4188% | 2,239 |
| Total domestic deposits to total assets | 91.5915% | 120 |
| Equity capital to assets | 8.0594% | 4,684 |
| Core capital (leverage) ratio | 7.9541% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7127% | 2,356 |
| Memoranda: | ||
| Average total assets | $129,578,400 | 3,632 |
| Average earning assets | $122,567,200 | 3,596 |
| Average equity | $10,795,000 | 4,106 |
| Average total loans | $96,095,200 | 3,296 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 705 |
| Cost of funding earning assets | 0.7080% | 1,981 |
| Net interest margin | 4.2101% | 712 |
| Noninterest income to average assets | 0.7295% | 1,706 |
| Noninterest expense to average assets | 4.1062% | 346 |
| Loan and lease loss provision to assets | 0.0339% | 3,915 |
| Net operating income to assets | 0.5490% | 3,911 |
| Return on assets (ROA) | 0.5490% | 4,003 |
| Pretax return on assets | 0.5784% | 4,141 |
| Return on Equity (ROE) | 6.5310% | 3,362 |
| Retained earnings to average equity (ytd only) | 2.5974% | 3,686 |
| Net charge-offs to loans | 0.0279% | 2,273 |
| Credit loss provision to net charge-offs | 160.0000% | 2,269 |
| Earnings coverage of net charge-offs (x) | 29.1500% | 1,614 |
| Efficiency ratio | 87.0300% | 457 |
| Assets per employee ($millions) | 2.7530% | 4,895 |
| Cash dividends to net income (ytd only)* | 60.2294% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,449 |
| Loan loss allowance to noncurrent loans | 138.2979% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 1,725 |
| Noncurrent loans to loans | 0.7611% | 1,906 |
| Net loans and leases to total assets | 72.4779% | 1,593 |
| Net loans and leases to deposits | 79.1498% | 2,410 |
| Net loans and leases to core deposits | 84.3709% | 2,439 |
| Total domestic deposits to total assets | 91.5705% | 95 |
| Equity capital to assets | 8.2160% | 4,624 |
| Core capital (leverage) ratio | 8.1133% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0118% | 2,194 |
| Memoranda: | ||
| Average total assets | $127,023,250 | 3,659 |
| Average earning assets | $120,341,750 | 3,614 |
| Average equity | $10,677,000 | 4,131 |
| Average total loans | $95,520,000 | 3,314 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 699 |
| Cost of funding earning assets | 0.7982% | 1,838 |
| Net interest margin | 4.2932% | 765 |
| Noninterest income to average assets | 0.6206% | 2,057 |
| Noninterest expense to average assets | 4.1383% | 350 |
| Loan and lease loss provision to assets | 0.0177% | 4,012 |
| Net operating income to assets | 0.5145% | 3,972 |
| Return on assets (ROA) | 0.5145% | 4,053 |
| Pretax return on assets | 0.5289% | 4,203 |
| Return on Equity (ROE) | 6.0711% | 3,479 |
| Retained earnings to average equity (ytd only) | 1.1573% | 4,051 |
| Net charge-offs to loans | 0.0148% | 2,448 |
| Credit loss provision to net charge-offs | 157.1429% | 2,095 |
| Earnings coverage of net charge-offs (x) | 48.5714% | 1,119 |
| Efficiency ratio | 88.3322% | 439 |
| Assets per employee ($millions) | 2.6992% | 4,925 |
| Cash dividends to net income (ytd only)* | 80.9375% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,393 |
| Loan loss allowance to noncurrent loans | 159.0139% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 2,040 |
| Noncurrent loans to loans | 0.6502% | 2,236 |
| Net loans and leases to total assets | 73.1968% | 1,531 |
| Net loans and leases to deposits | 79.7998% | 2,448 |
| Net loans and leases to core deposits | 84.6748% | 2,561 |
| Total domestic deposits to total assets | 91.7256% | 68 |
| Equity capital to assets | 8.1033% | 4,666 |
| Core capital (leverage) ratio | 8.4839% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7739% | 2,284 |
| Memoranda: | ||
| Average total assets | $124,399,333 | 3,671 |
| Average earning assets | $117,768,667 | 3,623 |
| Average equity | $10,541,667 | 4,161 |
| Average total loans | $94,423,667 | 3,325 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4065% | 458 |
| Cost of funding earning assets | 0.9756% | 1,538 |
| Net interest margin | 4.4309% | 586 |
| Noninterest income to average assets | 0.6481% | 1,836 |
| Noninterest expense to average assets | 4.3284% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5037% | 3,885 |
| Return on assets (ROA) | 0.5037% | 3,944 |
| Pretax return on assets | 0.5138% | 4,100 |
| Return on Equity (ROE) | 5.8002% | 3,390 |
| Retained earnings to average equity (ytd only) | -1.7401% | 4,224 |
| Net charge-offs to loans | -0.0044% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3897% | 519 |
| Assets per employee ($millions) | 2.3907% | 4,982 |
| Cash dividends to net income (ytd only)* | 130.0000% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,414 |
| Loan loss allowance to noncurrent loans | 135.1093% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,170 |
| Noncurrent loans to loans | 0.7830% | 2,048 |
| Net loans and leases to total assets | 77.3870% | 1,072 |
| Net loans and leases to deposits | 85.2900% | 2,082 |
| Net loans and leases to core deposits | 91.3899% | 2,217 |
| Total domestic deposits to total assets | 90.7339% | 142 |
| Equity capital to assets | 9.0552% | 4,567 |
| Core capital (leverage) ratio | 8.9274% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3323% | 2,557 |
| Memoranda: | ||
| Average total assets | $119,120,000 | 3,715 |
| Average earning assets | $112,753,000 | 3,668 |
| Average equity | $10,344,500 | 4,201 |
| Average total loans | $91,727,000 | 3,365 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4942% | 565 |
| Cost of funding earning assets | 1.0796% | 1,404 |
| Net interest margin | 4.4146% | 869 |
| Noninterest income to average assets | 0.6874% | 1,857 |
| Noninterest expense to average assets | 4.2616% | 392 |
| Loan and lease loss provision to assets | 0.0877% | 2,265 |
| Net operating income to assets | 0.4947% | 4,415 |
| Return on assets (ROA) | 0.4947% | 4,464 |
| Pretax return on assets | 0.5156% | 4,548 |
| Return on Equity (ROE) | 5.8909% | 3,950 |
| Retained earnings to average equity (ytd only) | 3.2348% | 3,399 |
| Net charge-offs to loans | -0.0177% | 4,599 |
| Credit loss provision to net charge-offs | -673.3333% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6004% | 461 |
| Assets per employee ($millions) | 2.6379% | 4,962 |
| Cash dividends to net income (ytd only)* | 45.0877% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 2,967 |
| Loan loss allowance to noncurrent loans | 110.3911% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 1,720 |
| Noncurrent loans to loans | 0.9949% | 1,527 |
| Net loans and leases to total assets | 74.9526% | 1,595 |
| Net loans and leases to deposits | 81.9561% | 2,563 |
| Net loans and leases to core deposits | 88.0922% | 2,593 |
| Total domestic deposits to total assets | 91.4546% | 70 |
| Equity capital to assets | 8.3104% | 4,978 |
| Core capital (leverage) ratio | 8.3650% | 4,917 |
| Tier 1 risk-based capital ratio | 11.6530% | 4,546 |
| Total risk-based capital ratio | 12.8277% | 4,469 |
| Memoranda: | ||
| Average total assets | $115,214,800 | 3,761 |
| Average earning assets | $109,024,400 | 3,728 |
| Average equity | $9,676,000 | 4,288 |
| Average total loans | $84,822,000 | 3,509 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 570 |
| Cost of funding earning assets | 1.0944% | 1,377 |
| Net interest margin | 4.4195% | 910 |
| Noninterest income to average assets | 0.5527% | 2,446 |
| Noninterest expense to average assets | 4.1535% | 441 |
| Loan and lease loss provision to assets | 0.0828% | 2,250 |
| Net operating income to assets | 0.4723% | 4,581 |
| Return on assets (ROA) | 0.4723% | 4,618 |
| Pretax return on assets | 0.4932% | 4,705 |
| Return on Equity (ROE) | 5.6081% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.3095% | 3,752 |
| Net charge-offs to loans | 0.0718% | 1,804 |
| Credit loss provision to net charge-offs | 157.7778% | 1,571 |
| Earnings coverage of net charge-offs (x) | 10.9775% | 2,464 |
| Efficiency ratio | 87.8205% | 405 |
| Assets per employee ($millions) | 2.9145% | 4,933 |
| Cash dividends to net income (ytd only)* | 40.9878% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,547 |
| Loan loss allowance to noncurrent loans | 146.7320% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,428 |
| Noncurrent loans to loans | 0.6841% | 2,251 |
| Net loans and leases to total assets | 75.9706% | 1,487 |
| Net loans and leases to deposits | 83.1495% | 2,550 |
| Net loans and leases to core deposits | 90.2840% | 2,527 |
| Total domestic deposits to total assets | 91.3663% | 69 |
| Equity capital to assets | 8.3944% | 5,036 |
| Core capital (leverage) ratio | 8.3403% | 5,012 |
| Tier 1 risk-based capital ratio | 11.5512% | 4,644 |
| Total risk-based capital ratio | 12.6176% | 4,635 |
| Memoranda: | ||
| Average total assets | $114,341,750 | 3,817 |
| Average earning assets | $108,063,000 | 3,789 |
| Average equity | $9,628,750 | 4,337 |
| Average total loans | $83,537,000 | 3,570 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 623 |
| Cost of funding earning assets | 1.0913% | 1,332 |
| Net interest margin | 4.3523% | 1,037 |
| Noninterest income to average assets | 0.5405% | 2,434 |
| Noninterest expense to average assets | 4.0142% | 529 |
| Loan and lease loss provision to assets | 0.0775% | 2,262 |
| Net operating income to assets | 0.5352% | 4,452 |
| Return on assets (ROA) | 0.5352% | 4,482 |
| Pretax return on assets | 0.5564% | 4,618 |
| Return on Equity (ROE) | 6.3490% | 3,921 |
| Retained earnings to average equity (ytd only) | 3.8010% | 3,349 |
| Net charge-offs to loans | 0.0956% | 1,405 |
| Credit loss provision to net charge-offs | 112.8205% | 1,819 |
| Earnings coverage of net charge-offs (x) | 9.2308% | 2,346 |
| Efficiency ratio | 86.3636% | 524 |
| Assets per employee ($millions) | 2.9152% | 4,956 |
| Cash dividends to net income (ytd only)* | 40.1316% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,598 |
| Loan loss allowance to noncurrent loans | 151.4680% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 2,561 |
| Noncurrent loans to loans | 0.6625% | 2,301 |
| Net loans and leases to total assets | 74.1941% | 1,858 |
| Net loans and leases to deposits | 81.1589% | 2,825 |
| Net loans and leases to core deposits | 87.9533% | 2,801 |
| Total domestic deposits to total assets | 91.4183% | 64 |
| Equity capital to assets | 8.3407% | 5,101 |
| Core capital (leverage) ratio | 8.7815% | 4,791 |
| Tier 1 risk-based capital ratio | 11.5748% | 4,646 |
| Total risk-based capital ratio | 12.6246% | 4,646 |
| Memoranda: | ||
| Average total assets | $113,596,330 | 3,852 |
| Average earning assets | $107,208,670 | 3,820 |
| Average equity | $9,576,330 | 4,360 |
| Average total loans | $81,561,670 | 3,629 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 561 |
| Cost of funding earning assets | 1.1167% | 1,135 |
| Net interest margin | 4.3380% | 1,032 |
| Noninterest income to average assets | 0.4389% | 2,918 |
| Noninterest expense to average assets | 3.9682% | 557 |
| Loan and lease loss provision to assets | 0.0428% | 2,780 |
| Net operating income to assets | 0.5103% | 4,491 |
| Return on assets (ROA) | 0.5103% | 4,515 |
| Pretax return on assets | 0.5174% | 4,643 |
| Return on Equity (ROE) | 6.0201% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.4942% | 3,517 |
| Net charge-offs to loans | 0.0712% | 1,348 |
| Credit loss provision to net charge-offs | 85.7143% | 1,744 |
| Earnings coverage of net charge-offs (x) | 11.2143% | 1,919 |
| Efficiency ratio | 87.6281% | 506 |
| Assets per employee ($millions) | 2.8067% | 5,067 |
| Cash dividends to net income (ytd only)* | 41.9580% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,282 |
| Loan loss allowance to noncurrent loans | 141.3223% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,486 |
| Noncurrent loans to loans | 0.7584% | 2,130 |
| Net loans and leases to total assets | 70.2955% | 2,440 |
| Net loans and leases to deposits | 77.1075% | 3,150 |
| Net loans and leases to core deposits | 83.6802% | 3,048 |
| Total domestic deposits to total assets | 91.1656% | 139 |
| Equity capital to assets | 8.5360% | 4,966 |
| Core capital (leverage) ratio | 8.5551% | 4,978 |
| Tier 1 risk-based capital ratio | 12.5452% | 4,140 |
| Total risk-based capital ratio | 13.6660% | 4,085 |
| Memoranda: | ||
| Average total assets | $112,090,000 | 3,905 |
| Average earning assets | $105,671,000 | 3,890 |
| Average equity | $9,501,500 | 4,400 |
| Average total loans | $78,645,500 | 3,723 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 696 |
| Cost of funding earning assets | 0.8488% | 1,310 |
| Net interest margin | 4.3550% | 1,023 |
| Noninterest income to average assets | 0.4858% | 2,906 |
| Noninterest expense to average assets | 4.0059% | 525 |
| Loan and lease loss provision to assets | 0.0067% | 3,985 |
| Net operating income to assets | 0.5251% | 4,605 |
| Return on assets (ROA) | 0.5251% | 4,600 |
| Pretax return on assets | 0.5730% | 4,680 |
| Return on Equity (ROE) | 5.8875% | 4,210 |
| Retained earnings to average equity (ytd only) | 1.7835% | 4,431 |
| Net charge-offs to loans | 0.0438% | 2,544 |
| Credit loss provision to net charge-offs | 21.8750% | 3,391 |
| Earnings coverage of net charge-offs (x) | 18.9063% | 2,102 |
| Efficiency ratio | 87.3590% | 459 |
| Assets per employee ($millions) | 2.7979% | 5,093 |
| Cash dividends to net income (ytd only)* | 69.7080% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,066 |
| Loan loss allowance to noncurrent loans | 131.4417% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 2,294 |
| Noncurrent loans to loans | 0.8411% | 1,920 |
| Net loans and leases to total assets | 68.4999% | 2,804 |
| Net loans and leases to deposits | 75.0563% | 3,420 |
| Net loans and leases to core deposits | 81.6263% | 3,290 |
| Total domestic deposits to total assets | 91.2647% | 154 |
| Equity capital to assets | 8.3904% | 4,994 |
| Core capital (leverage) ratio | 8.9452% | 4,700 |
| Tier 1 risk-based capital ratio | 12.7953% | 3,970 |
| Total risk-based capital ratio | 13.9548% | 3,899 |
| Memoranda: | ||
| Average total assets | $104,370,400 | 4,026 |
| Average earning assets | $98,254,200 | 3,999 |
| Average equity | $9,307,800 | 4,421 |
| Average total loans | $73,103,000 | 3,809 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 675 |
| Cost of funding earning assets | 0.7909% | 1,382 |
| Net interest margin | 4.3749% | 952 |
| Noninterest income to average assets | 0.4970% | 2,892 |
| Noninterest expense to average assets | 4.0109% | 522 |
| Loan and lease loss provision to assets | 0.0091% | 3,804 |
| Net operating income to assets | 0.5438% | 4,657 |
| Return on assets (ROA) | 0.5438% | 4,665 |
| Pretax return on assets | 0.5933% | 4,747 |
| Return on Equity (ROE) | 6.0009% | 4,267 |
| Retained earnings to average equity (ytd only) | 1.7084% | 4,670 |
| Net charge-offs to loans | 0.0241% | 2,653 |
| Credit loss provision to net charge-offs | 53.8462% | 2,796 |
| Earnings coverage of net charge-offs (x) | 35.6215% | 1,450 |
| Efficiency ratio | 86.9430% | 463 |
| Assets per employee ($millions) | 2.5331% | 5,272 |
| Cash dividends to net income (ytd only)* | 71.5316% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 2,723 |
| Loan loss allowance to noncurrent loans | 375.9657% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 3,795 |
| Noncurrent loans to loans | 0.3146% | 3,541 |
| Net loans and leases to total assets | 72.2235% | 2,295 |
| Net loans and leases to deposits | 79.9482% | 3,051 |
| Net loans and leases to core deposits | 87.5923% | 2,867 |
| Total domestic deposits to total assets | 90.3378% | 399 |
| Equity capital to assets | 9.1815% | 4,385 |
| Core capital (leverage) ratio | 9.1609% | 4,556 |
| Tier 1 risk-based capital ratio | 13.7339% | 3,498 |
| Total risk-based capital ratio | 14.9831% | 3,416 |
| Memoranda: | ||
| Average total assets | $102,484,500 | 4,100 |
| Average earning assets | $96,425,500 | 4,071 |
| Average equity | $9,287,250 | 4,460 |
| Average total loans | $71,999,250 | 3,865 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 764 |
| Cost of funding earning assets | 0.7132% | 1,555 |
| Net interest margin | 4.3187% | 1,003 |
| Noninterest income to average assets | 0.5035% | 2,838 |
| Noninterest expense to average assets | 3.9117% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6046% | 4,482 |
| Return on assets (ROA) | 0.6046% | 4,486 |
| Pretax return on assets | 0.6532% | 4,633 |
| Return on Equity (ROE) | 6.7011% | 3,992 |
| Retained earnings to average equity (ytd only) | 1.5298% | 4,630 |
| Net charge-offs to loans | 0.0280% | 2,293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 1,411 |
| Efficiency ratio | 85.6899% | 584 |
| Assets per employee ($millions) | 2.5916% | 5,307 |
| Cash dividends to net income (ytd only)* | 77.1704% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 2,851 |
| Loan loss allowance to noncurrent loans | 159.7070% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 2,655 |
| Noncurrent loans to loans | 0.7361% | 2,270 |
| Net loans and leases to total assets | 70.7143% | 2,475 |
| Net loans and leases to deposits | 77.8923% | 3,174 |
| Net loans and leases to core deposits | 85.1702% | 2,997 |
| Total domestic deposits to total assets | 90.7847% | 308 |
| Equity capital to assets | 8.9509% | 4,599 |
| Core capital (leverage) ratio | 9.1241% | 4,548 |
| Tier 1 risk-based capital ratio | 14.0335% | 3,344 |
| Total risk-based capital ratio | 15.2836% | 3,263 |
| Memoranda: | ||
| Average total assets | $102,871,670 | 4,132 |
| Average earning assets | $96,741,670 | 4,102 |
| Average equity | $9,282,000 | 4,498 |
| Average total loans | $71,314,000 | 3,904 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 963 |
| Cost of funding earning assets | 0.6526% | 1,707 |
| Net interest margin | 4.2026% | 1,172 |
| Noninterest income to average assets | 0.4567% | 3,068 |
| Noninterest expense to average assets | 3.8136% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5504% | 4,575 |
| Return on assets (ROA) | 0.5504% | 4,578 |
| Pretax return on assets | 0.5894% | 4,711 |
| Return on Equity (ROE) | 6.0753% | 4,133 |
| Retained earnings to average equity (ytd only) | 0.3878% | 4,747 |
| Net charge-offs to loans | 0.0057% | 2,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 430 |
| Efficiency ratio | 86.6135% | 605 |
| Assets per employee ($millions) | 2.5364% | 5,390 |
| Cash dividends to net income (ytd only)* | 93.6170% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,555 |
| Loan loss allowance to noncurrent loans | 144.6634% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 2,515 |
| Noncurrent loans to loans | 0.8591% | 2,105 |
| Net loans and leases to total assets | 69.0026% | 2,628 |
| Net loans and leases to deposits | 76.1370% | 3,199 |
| Net loans and leases to core deposits | 83.9263% | 2,990 |
| Total domestic deposits to total assets | 90.6295% | 435 |
| Equity capital to assets | 9.1073% | 4,452 |
| Core capital (leverage) ratio | 9.0783% | 4,592 |
| Tier 1 risk-based capital ratio | 14.3567% | 3,195 |
| Total risk-based capital ratio | 15.6072% | 3,107 |
| Memoranda: | ||
| Average total assets | $102,475,000 | 4,184 |
| Average earning assets | $96,226,500 | 4,155 |
| Average equity | $9,283,500 | 4,542 |
| Average total loans | $69,882,000 | 3,970 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 1,472 |
| Cost of funding earning assets | 0.5666% | 1,845 |
| Net interest margin | 4.0186% | 1,694 |
| Noninterest income to average assets | 0.5002% | 2,999 |
| Noninterest expense to average assets | 3.7759% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3732% | 4,778 |
| Return on assets (ROA) | 0.3732% | 4,793 |
| Pretax return on assets | 0.5060% | 4,920 |
| Return on Equity (ROE) | 4.2381% | 4,423 |
| Retained earnings to average equity (ytd only) | 1.9154% | 4,169 |
| Net charge-offs to loans | 0.0285% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 27.4737% | 1,635 |
| Efficiency ratio | 88.1820% | 524 |
| Assets per employee ($millions) | 2.5242% | 5,450 |
| Cash dividends to net income (ytd only)* | 54.8052% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,316 |
| Loan loss allowance to noncurrent loans | 241.6438% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 3,455 |
| Noncurrent loans to loans | 0.5299% | 2,918 |
| Net loans and leases to total assets | 65.6982% | 3,140 |
| Net loans and leases to deposits | 72.3838% | 3,664 |
| Net loans and leases to core deposits | 80.5175% | 3,383 |
| Total domestic deposits to total assets | 90.7636% | 312 |
| Equity capital to assets | 8.8876% | 4,828 |
| Core capital (leverage) ratio | 8.9205% | 4,737 |
| Tier 1 risk-based capital ratio | 14.1457% | 3,284 |
| Total risk-based capital ratio | 15.3977% | 3,185 |
| Memoranda: | ||
| Average total assets | $103,155,000 | 4,184 |
| Average earning assets | $97,073,800 | 4,147 |
| Average equity | $9,084,200 | 4,600 |
| Average total loans | $66,614,800 | 4,037 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,688 |
| Cost of funding earning assets | 0.5656% | 1,774 |
| Net interest margin | 3.9182% | 1,975 |
| Noninterest income to average assets | 0.5071% | 2,992 |
| Noninterest expense to average assets | 3.7760% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3402% | 5,137 |
| Return on assets (ROA) | 0.3402% | 5,164 |
| Pretax return on assets | 0.4230% | 5,152 |
| Return on Equity (ROE) | 3.8722% | 4,889 |
| Retained earnings to average equity (ytd only) | 1.5165% | 4,812 |
| Net charge-offs to loans | 0.0262% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 25.1581% | 1,743 |
| Efficiency ratio | 89.9261% | 410 |
| Assets per employee ($millions) | 2.5723% | 5,492 |
| Cash dividends to net income (ytd only)* | 60.8367% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,299 |
| Loan loss allowance to noncurrent loans | 338.9313% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 4,040 |
| Noncurrent loans to loans | 0.3871% | 3,566 |
| Net loans and leases to total assets | 64.9163% | 3,262 |
| Net loans and leases to deposits | 71.6041% | 3,814 |
| Net loans and leases to core deposits | 78.8863% | 3,550 |
| Total domestic deposits to total assets | 90.6600% | 271 |
| Equity capital to assets | 8.8997% | 4,997 |
| Core capital (leverage) ratio | 8.8193% | 4,943 |
| Tier 1 risk-based capital ratio | 14.0282% | 3,431 |
| Total risk-based capital ratio | 15.2797% | 3,343 |
| Memoranda: | ||
| Average total assets | $103,070,500 | 4,229 |
| Average earning assets | $97,116,000 | 4,190 |
| Average equity | $9,055,750 | 4,649 |
| Average total loans | $66,049,750 | 4,081 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3901% | 1,849 |
| Cost of funding earning assets | 0.5637% | 1,690 |
| Net interest margin | 3.8264% | 2,188 |
| Noninterest income to average assets | 0.5314% | 2,824 |
| Noninterest expense to average assets | 3.8088% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2521% | 5,317 |
| Return on assets (ROA) | 0.2521% | 5,335 |
| Pretax return on assets | 0.3297% | 5,301 |
| Return on Equity (ROE) | 2.8818% | 5,159 |
| Retained earnings to average equity (ytd only) | 0.7094% | 4,920 |
| Net charge-offs to loans | 0.0489% | 2,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 2,333 |
| Efficiency ratio | 92.0337% | 363 |
| Assets per employee ($millions) | 2.5613% | 5,529 |
| Cash dividends to net income (ytd only)* | 75.3846% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 2,195 |
| Loan loss allowance to noncurrent loans | 229.8701% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 3,611 |
| Noncurrent loans to loans | 0.5854% | 2,974 |
| Net loans and leases to total assets | 63.3266% | 3,478 |
| Net loans and leases to deposits | 69.8107% | 3,926 |
| Net loans and leases to core deposits | 76.9276% | 3,687 |
| Total domestic deposits to total assets | 90.7118% | 295 |
| Equity capital to assets | 8.8606% | 5,030 |
| Core capital (leverage) ratio | 8.7631% | 4,992 |
| Tier 1 risk-based capital ratio | 14.3077% | 3,262 |
| Total risk-based capital ratio | 15.5592% | 3,184 |
| Memoranda: | ||
| Average total assets | $103,130,330 | 4,255 |
| Average earning assets | $97,218,330 | 4,213 |
| Average equity | $9,022,000 | 4,676 |
| Average total loans | $65,506,000 | 4,114 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,167 |
| Cost of funding earning assets | 0.5599% | 1,647 |
| Net interest margin | 3.6698% | 2,604 |
| Noninterest income to average assets | 0.4910% | 3,039 |
| Noninterest expense to average assets | 3.7345% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1972% | 5,396 |
| Return on assets (ROA) | 0.1972% | 5,411 |
| Pretax return on assets | 0.2281% | 5,409 |
| Return on Equity (ROE) | 2.2682% | 5,287 |
| Retained earnings to average equity (ytd only) | -13.7870% | 5,653 |
| Net charge-offs to loans | 0.0061% | 2,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 811 |
| Efficiency ratio | 94.2439% | 374 |
| Assets per employee ($millions) | 2.6932% | 5,542 |
| Cash dividends to net income (ytd only)* | 707.8431% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 2,152 |
| Loan loss allowance to noncurrent loans | 441.1765% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 4,467 |
| Noncurrent loans to loans | 0.3134% | 4,000 |
| Net loans and leases to total assets | 61.1141% | 3,644 |
| Net loans and leases to deposits | 67.1359% | 4,078 |
| Net loans and leases to core deposits | 74.0959% | 3,821 |
| Total domestic deposits to total assets | 91.0304% | 294 |
| Equity capital to assets | 8.5545% | 5,198 |
| Core capital (leverage) ratio | 8.7013% | 5,046 |
| Tier 1 risk-based capital ratio | 14.6255% | 3,148 |
| Total risk-based capital ratio | 15.8785% | 3,075 |
| Memoranda: | ||
| Average total assets | $103,469,000 | 4,293 |
| Average earning assets | $97,880,500 | 4,237 |
| Average equity | $8,994,000 | 4,720 |
| Average total loans | $65,376,500 | 4,146 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 1,691 |
| Cost of funding earning assets | 0.5651% | 1,565 |
| Net interest margin | 3.8839% | 2,013 |
| Noninterest income to average assets | 0.4152% | 3,773 |
| Noninterest expense to average assets | 3.6716% | 919 |
| Loan and lease loss provision to assets | -0.0096% | 5,490 |
| Net operating income to assets | 0.3538% | 5,074 |
| Return on assets (ROA) | 0.3538% | 5,159 |
| Pretax return on assets | 0.4507% | 5,118 |
| Return on Equity (ROE) | 4.0895% | 4,801 |
| Retained earnings to average equity (ytd only) | 0.7093% | 5,043 |
| Net charge-offs to loans | 0.1504% | 1,760 |
| Credit loss provision to net charge-offs | -10.0000% | 4,743 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 3,473 |
| Efficiency ratio | 89.2749% | 599 |
| Assets per employee ($millions) | 2.7542% | 5,526 |
| Cash dividends to net income (ytd only)* | 82.6558% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,212 |
| Loan loss allowance to noncurrent loans | 395.1754% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 4,414 |
| Noncurrent loans to loans | 0.3472% | 3,891 |
| Net loans and leases to total assets | 63.5513% | 3,412 |
| Net loans and leases to deposits | 70.0236% | 3,899 |
| Net loans and leases to core deposits | 76.4785% | 3,708 |
| Total domestic deposits to total assets | 90.7571% | 366 |
| Equity capital to assets | 8.8347% | 4,979 |
| Core capital (leverage) ratio | 8.8055% | 4,957 |
| Tier 1 risk-based capital ratio | 14.5336% | 3,182 |
| Total risk-based capital ratio | 15.7868% | 3,113 |
| Memoranda: | ||
| Average total assets | $104,287,800 | 4,280 |
| Average earning assets | $99,281,000 | 4,222 |
| Average equity | $9,023,200 | 4,760 |
| Average total loans | $66,497,000 | 4,132 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,595 |
| Cost of funding earning assets | 0.5621% | 1,595 |
| Net interest margin | 3.9217% | 1,904 |
| Noninterest income to average assets | 0.4195% | 3,783 |
| Noninterest expense to average assets | 3.6738% | 890 |
| Loan and lease loss provision to assets | -0.0127% | 5,652 |
| Net operating income to assets | 0.3915% | 5,044 |
| Return on assets (ROA) | 0.3915% | 5,136 |
| Pretax return on assets | 0.5009% | 5,119 |
| Return on Equity (ROE) | 4.5486% | 4,699 |
| Retained earnings to average equity (ytd only) | 1.0338% | 5,077 |
| Net charge-offs to loans | 0.1859% | 1,256 |
| Credit loss provision to net charge-offs | -10.7527% | 4,618 |
| Earnings coverage of net charge-offs (x) | 4.1290% | 3,311 |
| Efficiency ratio | 88.2712% | 662 |
| Assets per employee ($millions) | 2.6053% | 5,671 |
| Cash dividends to net income (ytd only)* | 77.2732% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,417 |
| Loan loss allowance to noncurrent loans | 496.1749% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 4,655 |
| Noncurrent loans to loans | 0.2729% | 4,284 |
| Net loans and leases to total assets | 65.0956% | 3,257 |
| Net loans and leases to deposits | 71.7559% | 3,830 |
| Net loans and leases to core deposits | 78.3568% | 3,626 |
| Total domestic deposits to total assets | 90.7181% | 269 |
| Equity capital to assets | 8.9660% | 5,208 |
| Core capital (leverage) ratio | 8.7800% | 5,075 |
| Tier 1 risk-based capital ratio | 14.3688% | 3,350 |
| Total risk-based capital ratio | 15.6215% | 3,281 |
| Memoranda: | ||
| Average total assets | $104,883,500 | 4,299 |
| Average earning assets | $100,089,000 | 4,236 |
| Average equity | $9,028,250 | 4,802 |
| Average total loans | $66,705,500 | 4,150 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 1,444 |
| Cost of funding earning assets | 0.5592% | 1,627 |
| Net interest margin | 3.9677% | 1,747 |
| Noninterest income to average assets | 0.4152% | 3,782 |
| Noninterest expense to average assets | 3.6537% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4435% | 4,891 |
| Return on assets (ROA) | 0.4435% | 4,978 |
| Pretax return on assets | 0.5511% | 5,022 |
| Return on Equity (ROE) | 5.2216% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.7554% | 4,684 |
| Net charge-offs to loans | 0.0481% | 2,521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,837 |
| Efficiency ratio | 86.8941% | 804 |
| Assets per employee ($millions) | 2.6829% | 5,686 |
| Cash dividends to net income (ytd only)* | 66.3830% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,958 |
| Loan loss allowance to noncurrent loans | 194.7162% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 3,479 |
| Noncurrent loans to loans | 0.7582% | 2,845 |
| Net loans and leases to total assets | 65.1303% | 3,211 |
| Net loans and leases to deposits | 71.7748% | 3,807 |
| Net loans and leases to core deposits | 78.0564% | 3,637 |
| Total domestic deposits to total assets | 90.7426% | 242 |
| Equity capital to assets | 8.9347% | 5,287 |
| Core capital (leverage) ratio | 8.4154% | 5,435 |
| Tier 1 risk-based capital ratio | 14.3536% | 3,402 |
| Total risk-based capital ratio | 15.6085% | 3,319 |
| Memoranda: | ||
| Average total assets | $105,976,000 | 4,310 |
| Average earning assets | $101,217,000 | 4,246 |
| Average equity | $9,001,000 | 4,841 |
| Average total loans | $66,591,000 | 4,182 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,492 |
| Cost of funding earning assets | 0.5510% | 1,700 |
| Net interest margin | 3.9538% | 1,774 |
| Noninterest income to average assets | 0.3741% | 4,042 |
| Noninterest expense to average assets | 3.4930% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5482% | 4,431 |
| Return on assets (ROA) | 0.5482% | 4,535 |
| Pretax return on assets | 0.6556% | 4,665 |
| Return on Equity (ROE) | 6.6167% | 3,660 |
| Retained earnings to average equity (ytd only) | 3.1742% | 3,921 |
| Net charge-offs to loans | 0.0423% | 2,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 25.2857% | 1,300 |
| Efficiency ratio | 84.1964% | 1,136 |
| Assets per employee ($millions) | 2.7118% | 5,724 |
| Cash dividends to net income (ytd only)* | 52.0270% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,998 |
| Loan loss allowance to noncurrent loans | 183.8828% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 3,514 |
| Noncurrent loans to loans | 0.8143% | 2,803 |
| Net loans and leases to total assets | 60.8867% | 3,665 |
| Net loans and leases to deposits | 66.6758% | 4,188 |
| Net loans and leases to core deposits | 71.6797% | 4,088 |
| Total domestic deposits to total assets | 91.3176% | 195 |
| Equity capital to assets | 8.3524% | 5,661 |
| Core capital (leverage) ratio | 8.3200% | 5,550 |
| Tier 1 risk-based capital ratio | 14.0154% | 3,683 |
| Total risk-based capital ratio | 15.2700% | 3,610 |
| Memoranda: | ||
| Average total assets | $107,988,500 | 4,303 |
| Average earning assets | $103,090,000 | 4,233 |
| Average equity | $8,947,000 | 4,871 |
| Average total loans | $66,188,500 | 4,215 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,122 |
| Cost of funding earning assets | 0.5759% | 1,542 |
| Net interest margin | 4.1205% | 1,360 |
| Noninterest income to average assets | 0.9412% | 1,337 |
| Noninterest expense to average assets | 3.5879% | 1,148 |
| Loan and lease loss provision to assets | 0.1112% | 2,138 |
| Net operating income to assets | 1.0011% | 2,358 |
| Return on assets (ROA) | 1.0011% | 2,454 |
| Pretax return on assets | 1.1532% | 2,829 |
| Return on Equity (ROE) | 12.4736% | 1,187 |
| Retained earnings to average equity (ytd only) | 8.5408% | 767 |
| Net charge-offs to loans | 0.2507% | 1,197 |
| Credit loss provision to net charge-offs | 70.4819% | 3,118 |
| Earnings coverage of net charge-offs (x) | 8.0120% | 3,009 |
| Efficiency ratio | 73.9420% | 2,590 |
| Assets per employee ($millions) | 2.6876% | 5,778 |
| Cash dividends to net income (ytd only)* | 31.5290% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,812 |
| Loan loss allowance to noncurrent loans | 341.5541% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 4,418 |
| Noncurrent loans to loans | 0.4531% | 3,850 |
| Net loans and leases to total assets | 59.8270% | 3,859 |
| Net loans and leases to deposits | 65.3907% | 4,363 |
| Net loans and leases to core deposits | 70.8727% | 4,227 |
| Total domestic deposits to total assets | 91.4916% | 179 |
| Equity capital to assets | 8.2173% | 5,751 |
| Core capital (leverage) ratio | 8.3528% | 5,567 |
| Tier 1 risk-based capital ratio | 14.0859% | 3,664 |
| Total risk-based capital ratio | 15.3408% | 3,584 |
| Memoranda: | ||
| Average total assets | $105,187,000 | 4,357 |
| Average earning assets | $99,842,800 | 4,296 |
| Average equity | $8,441,800 | 4,972 |
| Average total loans | $66,219,400 | 4,191 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 1,027 |
| Cost of funding earning assets | 0.5807% | 1,539 |
| Net interest margin | 4.1590% | 1,257 |
| Noninterest income to average assets | 1.1305% | 941 |
| Noninterest expense to average assets | 3.5841% | 1,148 |
| Loan and lease loss provision to assets | 0.1440% | 1,528 |
| Net operating income to assets | 1.1828% | 1,708 |
| Return on assets (ROA) | 1.1828% | 1,780 |
| Pretax return on assets | 1.3459% | 2,227 |
| Return on Equity (ROE) | 14.8291% | 747 |
| Retained earnings to average equity (ytd only) | 11.0099% | 477 |
| Net charge-offs to loans | 0.2388% | 1,098 |
| Credit loss provision to net charge-offs | 94.9580% | 2,391 |
| Earnings coverage of net charge-offs (x) | 9.8237% | 2,659 |
| Efficiency ratio | 70.6355% | 3,107 |
| Assets per employee ($millions) | 2.7727% | 5,776 |
| Cash dividends to net income (ytd only)* | 25.7545% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 1,818 |
| Loan loss allowance to noncurrent loans | 217.5258% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 3,120 |
| Noncurrent loans to loans | 0.7311% | 3,141 |
| Net loans and leases to total assets | 61.9578% | 3,613 |
| Net loans and leases to deposits | 67.9066% | 4,197 |
| Net loans and leases to core deposits | 73.4829% | 4,062 |
| Total domestic deposits to total assets | 91.2397% | 197 |
| Equity capital to assets | 8.3778% | 5,780 |
| Core capital (leverage) ratio | 8.4931% | 5,555 |
| Tier 1 risk-based capital ratio | 13.9843% | 3,856 |
| Total risk-based capital ratio | 15.2398% | 3,797 |
| Memoranda: | ||
| Average total assets | $104,607,500 | 4,409 |
| Average earning assets | $99,188,750 | 4,359 |
| Average equity | $8,343,750 | 5,054 |
| Average total loans | $66,442,250 | 4,226 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 990 |
| Cost of funding earning assets | 0.5860% | 1,518 |
| Net interest margin | 4.1582% | 1,208 |
| Noninterest income to average assets | 0.5385% | 3,120 |
| Noninterest expense to average assets | 3.6107% | 1,113 |
| Loan and lease loss provision to assets | 0.1437% | 1,507 |
| Net operating income to assets | 0.5654% | 4,497 |
| Return on assets (ROA) | 0.5654% | 4,600 |
| Pretax return on assets | 0.7283% | 4,569 |
| Return on Equity (ROE) | 7.2104% | 3,482 |
| Retained earnings to average equity (ytd only) | 3.7396% | 3,636 |
| Net charge-offs to loans | 0.2798% | 943 |
| Credit loss provision to net charge-offs | 80.6452% | 2,323 |
| Earnings coverage of net charge-offs (x) | 4.8925% | 2,983 |
| Efficiency ratio | 80.5472% | 1,685 |
| Assets per employee ($millions) | 2.7473% | 5,869 |
| Cash dividends to net income (ytd only)* | 48.1356% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 1,984 |
| Loan loss allowance to noncurrent loans | 127.6961% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 2,603 |
| Noncurrent loans to loans | 1.2345% | 2,189 |
| Net loans and leases to total assets | 62.3163% | 3,507 |
| Net loans and leases to deposits | 67.8709% | 4,148 |
| Net loans and leases to core deposits | 73.5939% | 3,989 |
| Total domestic deposits to total assets | 91.8159% | 147 |
| Equity capital to assets | 7.8373% | 6,036 |
| Core capital (leverage) ratio | 7.9430% | 5,956 |
| Tier 1 risk-based capital ratio | 14.3693% | 3,716 |
| Total risk-based capital ratio | 15.6268% | 3,635 |
| Memoranda: | ||
| Average total assets | $104,356,000 | 4,458 |
| Average earning assets | $98,984,000 | 4,400 |
| Average equity | $8,182,670 | 5,128 |
| Average total loans | $66,478,000 | 4,255 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 1,000 |
| Cost of funding earning assets | 0.5858% | 1,535 |
| Net interest margin | 4.1327% | 1,200 |
| Noninterest income to average assets | 0.4332% | 3,745 |
| Noninterest expense to average assets | 3.5424% | 1,224 |
| Loan and lease loss provision to assets | 0.1419% | 1,442 |
| Net operating income to assets | 0.5214% | 4,578 |
| Return on assets (ROA) | 0.5214% | 4,695 |
| Pretax return on assets | 0.6709% | 4,687 |
| Return on Equity (ROE) | 6.6479% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.1773% | 4,082 |
| Net charge-offs to loans | 0.6120% | 396 |
| Credit loss provision to net charge-offs | 36.2745% | 2,215 |
| Earnings coverage of net charge-offs (x) | 2.0784% | 2,825 |
| Efficiency ratio | 81.3380% | 1,709 |
| Assets per employee ($millions) | 3.1862% | 5,433 |
| Cash dividends to net income (ytd only)* | 52.2059% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 2,425 |
| Loan loss allowance to noncurrent loans | 534.9462% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 4,444 |
| Noncurrent loans to loans | 0.2812% | 4,772 |
| Net loans and leases to total assets | 61.9596% | 3,373 |
| Net loans and leases to deposits | 67.5074% | 4,000 |
| Net loans and leases to core deposits | 73.3855% | 3,835 |
| Total domestic deposits to total assets | 91.7819% | 180 |
| Equity capital to assets | 7.8786% | 6,074 |
| Core capital (leverage) ratio | 7.8913% | 5,993 |
| Tier 1 risk-based capital ratio | 13.4661% | 4,341 |
| Total risk-based capital ratio | 14.7204% | 4,256 |
| Memoranda: | ||
| Average total assets | $104,335,000 | 4,493 |
| Average earning assets | $99,015,000 | 4,430 |
| Average equity | $8,183,000 | 5,169 |
| Average total loans | $66,667,500 | 4,281 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 704 |
| Cost of funding earning assets | 0.5956% | 1,793 |
| Net interest margin | 4.4573% | 804 |
| Noninterest income to average assets | 0.4815% | 3,644 |
| Noninterest expense to average assets | 3.7346% | 1,088 |
| Loan and lease loss provision to assets | 0.2491% | 918 |
| Net operating income to assets | 0.4835% | 4,875 |
| Return on assets (ROA) | 0.4835% | 4,964 |
| Pretax return on assets | 0.6885% | 4,665 |
| Return on Equity (ROE) | 6.7194% | 3,781 |
| Retained earnings to average equity (ytd only) | 2.9304% | 4,159 |
| Net charge-offs to loans | 0.5708% | 708 |
| Credit loss provision to net charge-offs | 65.8031% | 3,165 |
| Earnings coverage of net charge-offs (x) | 2.4767% | 4,143 |
| Efficiency ratio | 79.9328% | 1,941 |
| Assets per employee ($millions) | 2.6545% | 6,060 |
| Cash dividends to net income (ytd only)* | 56.3895% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 2,165 |
| Loan loss allowance to noncurrent loans | 244.8037% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 3,552 |
| Noncurrent loans to loans | 0.6444% | 3,752 |
| Net loans and leases to total assets | 63.8808% | 3,243 |
| Net loans and leases to deposits | 69.5826% | 3,965 |
| Net loans and leases to core deposits | 75.9832% | 3,711 |
| Total domestic deposits to total assets | 91.8058% | 174 |
| Equity capital to assets | 7.8069% | 6,141 |
| Core capital (leverage) ratio | 7.7635% | 6,112 |
| Tier 1 risk-based capital ratio | 12.3817% | 5,104 |
| Total risk-based capital ratio | 13.6362% | 5,024 |
| Memoranda: | ||
| Average total assets | $101,965,000 | 4,546 |
| Average earning assets | $95,866,200 | 4,510 |
| Average equity | $7,337,000 | 5,339 |
| Average total loans | $67,621,400 | 4,247 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 659 |
| Cost of funding earning assets | 0.5988% | 1,841 |
| Net interest margin | 4.4910% | 751 |
| Noninterest income to average assets | 0.4922% | 3,599 |
| Noninterest expense to average assets | 3.7738% | 1,008 |
| Loan and lease loss provision to assets | 0.2441% | 895 |
| Net operating income to assets | 0.5749% | 4,568 |
| Return on assets (ROA) | 0.5749% | 4,645 |
| Pretax return on assets | 0.6878% | 4,741 |
| Return on Equity (ROE) | 8.1668% | 3,123 |
| Retained earnings to average equity (ytd only) | 4.1393% | 3,710 |
| Net charge-offs to loans | 0.5020% | 771 |
| Credit loss provision to net charge-offs | 72.9412% | 2,716 |
| Earnings coverage of net charge-offs (x) | 2.7843% | 3,824 |
| Efficiency ratio | 80.1953% | 1,882 |
| Assets per employee ($millions) | 3.2077% | 5,413 |
| Cash dividends to net income (ytd only)* | 49.3142% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 2,108 |
| Loan loss allowance to noncurrent loans | 158.0282% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 2,987 |
| Noncurrent loans to loans | 1.0491% | 2,974 |
| Net loans and leases to total assets | 64.8380% | 3,052 |
| Net loans and leases to deposits | 70.2436% | 3,895 |
| Net loans and leases to core deposits | 76.1964% | 3,715 |
| Total domestic deposits to total assets | 92.3045% | 123 |
| Equity capital to assets | 7.3252% | 6,334 |
| Core capital (leverage) ratio | 8.0039% | 6,066 |
| Tier 1 risk-based capital ratio | 12.3957% | 5,232 |
| Total risk-based capital ratio | 13.6515% | 5,156 |
| Memoranda: | ||
| Average total assets | $101,575,250 | 4,616 |
| Average earning assets | $95,298,250 | 4,569 |
| Average equity | $7,150,750 | 5,433 |
| Average total loans | $67,728,750 | 4,283 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 622 |
| Cost of funding earning assets | 0.6015% | 1,884 |
| Net interest margin | 4.4905% | 718 |
| Noninterest income to average assets | 0.4742% | 3,677 |
| Noninterest expense to average assets | 3.8135% | 955 |
| Loan and lease loss provision to assets | 0.2391% | 944 |
| Net operating income to assets | 0.5335% | 4,677 |
| Return on assets (ROA) | 0.5335% | 4,769 |
| Pretax return on assets | 0.6402% | 4,819 |
| Return on Equity (ROE) | 7.6836% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.2442% | 4,139 |
| Net charge-offs to loans | 0.5727% | 711 |
| Credit loss provision to net charge-offs | 62.3711% | 2,606 |
| Earnings coverage of net charge-offs (x) | 2.2938% | 3,580 |
| Efficiency ratio | 81.2632% | 1,844 |
| Assets per employee ($millions) | 2.7943% | 6,034 |
| Cash dividends to net income (ytd only)* | 57.7778% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 2,339 |
| Loan loss allowance to noncurrent loans | 145.9530% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 2,887 |
| Noncurrent loans to loans | 1.1210% | 2,978 |
| Net loans and leases to total assets | 66.8191% | 2,616 |
| Net loans and leases to deposits | 72.4256% | 3,518 |
| Net loans and leases to core deposits | 78.9078% | 3,328 |
| Total domestic deposits to total assets | 92.2590% | 141 |
| Equity capital to assets | 7.3841% | 6,375 |
| Core capital (leverage) ratio | 8.0031% | 6,102 |
| Tier 1 risk-based capital ratio | 12.1460% | 5,455 |
| Total risk-based capital ratio | 13.4008% | 5,368 |
| Memoranda: | ||
| Average total assets | $101,218,670 | 4,655 |
| Average earning assets | $95,089,330 | 4,609 |
| Average equity | $7,028,000 | 5,481 |
| Average total loans | $67,746,670 | 4,304 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 646 |
| Cost of funding earning assets | 0.5973% | 1,993 |
| Net interest margin | 4.4584% | 715 |
| Noninterest income to average assets | 0.4294% | 3,950 |
| Noninterest expense to average assets | 3.8373% | 934 |
| Loan and lease loss provision to assets | 0.2206% | 1,029 |
| Net operating income to assets | 0.4649% | 4,875 |
| Return on assets (ROA) | 0.4649% | 4,941 |
| Pretax return on assets | 0.5476% | 5,018 |
| Return on Equity (ROE) | 6.9127% | 3,523 |
| Retained earnings to average equity (ytd only) | 0.2343% | 5,478 |
| Net charge-offs to loans | 0.2550% | 1,310 |
| Credit loss provision to net charge-offs | 130.2326% | 1,384 |
| Earnings coverage of net charge-offs (x) | 4.5349% | 2,513 |
| Efficiency ratio | 83.3191% | 1,754 |
| Assets per employee ($millions) | 2.4990% | 6,365 |
| Cash dividends to net income (ytd only)* | 96.6102% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 2,047 |
| Loan loss allowance to noncurrent loans | 127.6776% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 2,361 |
| Noncurrent loans to loans | 1.4086% | 2,673 |
| Net loans and leases to total assets | 65.7676% | 2,608 |
| Net loans and leases to deposits | 70.9712% | 3,482 |
| Net loans and leases to core deposits | 77.0815% | 3,299 |
| Total domestic deposits to total assets | 92.6681% | 153 |
| Equity capital to assets | 7.0247% | 6,441 |
| Core capital (leverage) ratio | 7.9162% | 6,170 |
| Tier 1 risk-based capital ratio | 12.0528% | 5,608 |
| Total risk-based capital ratio | 13.3091% | 5,538 |
| Memoranda: | ||
| Average total assets | $101,531,000 | 4,697 |
| Average earning assets | $95,101,500 | 4,653 |
| Average equity | $6,828,000 | 5,561 |
| Average total loans | $67,453,000 | 4,340 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2076% | 629 |
| Cost of funding earning assets | 0.6668% | 2,057 |
| Net interest margin | 4.5408% | 678 |
| Noninterest income to average assets | 0.5133% | 3,677 |
| Noninterest expense to average assets | 3.7609% | 1,202 |
| Loan and lease loss provision to assets | 0.2567% | 1,401 |
| Net operating income to assets | 0.5880% | 4,319 |
| Return on assets (ROA) | 0.5880% | 4,428 |
| Pretax return on assets | 0.7413% | 4,373 |
| Return on Equity (ROE) | 8.4306% | 2,810 |
| Retained earnings to average equity (ytd only) | 6.4671% | 1,706 |
| Net charge-offs to loans | 0.4095% | 1,643 |
| Credit loss provision to net charge-offs | 95.0355% | 2,635 |
| Earnings coverage of net charge-offs (x) | 3.6950% | 3,782 |
| Efficiency ratio | 79.0300% | 2,313 |
| Assets per employee ($millions) | 2.5147% | 6,394 |
| Cash dividends to net income (ytd only)* | 23.2899% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 2,228 |
| Loan loss allowance to noncurrent loans | 177.7612% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 2,976 |
| Noncurrent loans to loans | 0.9859% | 3,549 |
| Net loans and leases to total assets | 64.7608% | 2,911 |
| Net loans and leases to deposits | 69.4000% | 3,857 |
| Net loans and leases to core deposits | 75.0585% | 3,726 |
| Total domestic deposits to total assets | 93.3153% | 108 |
| Equity capital to assets | 6.4345% | 6,576 |
| Core capital (leverage) ratio | 7.7317% | 6,288 |
| Tier 1 risk-based capital ratio | 11.7367% | 5,784 |
| Total risk-based capital ratio | 12.9935% | 5,712 |
| Memoranda: | ||
| Average total assets | $104,416,200 | 4,628 |
| Average earning assets | $97,626,800 | 4,576 |
| Average equity | $7,283,000 | 5,501 |
| Average total loans | $68,869,800 | 4,313 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 604 |
| Cost of funding earning assets | 0.6827% | 2,080 |
| Net interest margin | 4.5512% | 679 |
| Noninterest income to average assets | 0.5308% | 3,582 |
| Noninterest expense to average assets | 3.7321% | 1,198 |
| Loan and lease loss provision to assets | 0.2558% | 1,391 |
| Net operating income to assets | 0.5575% | 4,541 |
| Return on assets (ROA) | 0.5575% | 4,696 |
| Pretax return on assets | 0.7943% | 4,315 |
| Return on Equity (ROE) | 7.8438% | 3,204 |
| Retained earnings to average equity (ytd only) | 6.1604% | 2,309 |
| Net charge-offs to loans | 0.4978% | 1,291 |
| Credit loss provision to net charge-offs | 77.9070% | 2,897 |
| Earnings coverage of net charge-offs (x) | 3.1977% | 3,772 |
| Efficiency ratio | 78.0410% | 2,416 |
| Assets per employee ($millions) | 2.7170% | 6,260 |
| Cash dividends to net income (ytd only)* | 21.4610% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 2,650 |
| Loan loss allowance to noncurrent loans | 242.1941% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 3,625 |
| Noncurrent loans to loans | 0.6982% | 4,454 |
| Net loans and leases to total assets | 64.6401% | 2,893 |
| Net loans and leases to deposits | 69.3183% | 3,886 |
| Net loans and leases to core deposits | 75.0830% | 3,721 |
| Total domestic deposits to total assets | 93.2511% | 110 |
| Equity capital to assets | 6.5774% | 6,634 |
| Core capital (leverage) ratio | 7.2990% | 6,512 |
| Tier 1 risk-based capital ratio | 12.2164% | 5,630 |
| Total risk-based capital ratio | 13.4736% | 5,558 |
| Memoranda: | ||
| Average total assets | $104,745,000 | 4,673 |
| Average earning assets | $97,846,250 | 4,615 |
| Average equity | $7,445,250 | 5,526 |
| Average total loans | $69,097,250 | 4,337 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2147% | 620 |
| Cost of funding earning assets | 0.6782% | 2,238 |
| Net interest margin | 4.5365% | 665 |
| Noninterest income to average assets | 0.5283% | 3,645 |
| Noninterest expense to average assets | 3.7361% | 1,191 |
| Loan and lease loss provision to assets | 0.2375% | 1,562 |
| Net operating income to assets | 0.5473% | 4,566 |
| Return on assets (ROA) | 0.5473% | 4,732 |
| Pretax return on assets | 0.8000% | 4,313 |
| Return on Equity (ROE) | 7.5163% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.7856% | 1,991 |
| Net charge-offs to loans | 0.5928% | 1,114 |
| Credit loss provision to net charge-offs | 60.6796% | 3,004 |
| Earnings coverage of net charge-offs (x) | 2.6505% | 3,636 |
| Efficiency ratio | 78.2643% | 2,413 |
| Assets per employee ($millions) | 2.7985% | 6,163 |
| Cash dividends to net income (ytd only)* | 9.7222% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 3,128 |
| Loan loss allowance to noncurrent loans | 525.2336% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 4,242 |
| Noncurrent loans to loans | 0.3061% | 5,539 |
| Net loans and leases to total assets | 64.6794% | 2,812 |
| Net loans and leases to deposits | 69.8294% | 3,736 |
| Net loans and leases to core deposits | 75.6545% | 3,584 |
| Total domestic deposits to total assets | 92.6248% | 168 |
| Equity capital to assets | 7.1796% | 6,551 |
| Core capital (leverage) ratio | 7.2818% | 6,534 |
| Tier 1 risk-based capital ratio | 11.7980% | 5,914 |
| Total risk-based capital ratio | 13.0541% | 5,860 |
| Memoranda: | ||
| Average total assets | $105,244,330 | 4,699 |
| Average earning assets | $98,491,000 | 4,638 |
| Average equity | $7,663,330 | 5,521 |
| Average total loans | $69,500,670 | 4,326 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 579 |
| Cost of funding earning assets | 0.6872% | 2,326 |
| Net interest margin | 4.5404% | 632 |
| Noninterest income to average assets | 0.4470% | 4,134 |
| Noninterest expense to average assets | 3.7366% | 1,191 |
| Loan and lease loss provision to assets | 0.1872% | 1,966 |
| Net operating income to assets | 0.5196% | 4,568 |
| Return on assets (ROA) | 0.5196% | 4,714 |
| Pretax return on assets | 0.7641% | 4,312 |
| Return on Equity (ROE) | 7.0856% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.0856% | 2,116 |
| Net charge-offs to loans | 0.9986% | 610 |
| Credit loss provision to net charge-offs | 28.3237% | 2,911 |
| Earnings coverage of net charge-offs (x) | 1.4393% | 3,349 |
| Efficiency ratio | 79.7066% | 2,377 |
| Assets per employee ($millions) | 2.6470% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,580 |
| Loan loss allowance to noncurrent loans | 500.4630% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 4,634 |
| Noncurrent loans to loans | 0.3113% | 5,620 |
| Net loans and leases to total assets | 64.5145% | 2,612 |
| Net loans and leases to deposits | 69.7440% | 3,530 |
| Net loans and leases to core deposits | 75.3295% | 3,405 |
| Total domestic deposits to total assets | 92.5019% | 176 |
| Equity capital to assets | 7.2346% | 6,667 |
| Core capital (leverage) ratio | 7.2516% | 6,563 |
| Tier 1 risk-based capital ratio | 11.8603% | 5,990 |
| Total risk-based capital ratio | 13.1156% | 5,963 |
| Memoranda: | ||
| Average total assets | $104,695,000 | 4,755 |
| Average earning assets | $97,789,000 | 4,691 |
| Average equity | $7,677,500 | 5,589 |
| Average total loans | $69,298,000 | 4,366 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3501% | 823 |
| Cost of funding earning assets | 0.7600% | 3,015 |
| Net interest margin | 4.5901% | 797 |
| Noninterest income to average assets | 1.2597% | 988 |
| Noninterest expense to average assets | 3.7002% | 1,410 |
| Loan and lease loss provision to assets | 0.1565% | 3,659 |
| Net operating income to assets | 1.4374% | 1,032 |
| Return on assets (ROA) | 1.5460% | 918 |
| Pretax return on assets | 1.8668% | 798 |
| Return on Equity (ROE) | 19.2780% | 335 |
| Retained earnings to average equity (ytd only) | -6.0988% | 6,488 |
| Net charge-offs to loans | 0.2440% | 3,482 |
| Credit loss provision to net charge-offs | 98.1481% | 3,162 |
| Earnings coverage of net charge-offs (x) | 11.8704% | 1,994 |
| Efficiency ratio | 66.1622% | 4,468 |
| Assets per employee ($millions) | 2.6541% | 6,477 |
| Cash dividends to net income (ytd only)* | 131.6359% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 2,783 |
| Loan loss allowance to noncurrent loans | 331.0440% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 4,631 |
| Noncurrent loans to loans | 0.5260% | 5,214 |
| Net loans and leases to total assets | 65.6961% | 2,576 |
| Net loans and leases to deposits | 71.2152% | 3,538 |
| Net loans and leases to core deposits | 77.0395% | 3,398 |
| Total domestic deposits to total assets | 92.2500% | 202 |
| Equity capital to assets | 7.4341% | 6,658 |
| Core capital (leverage) ratio | 7.3607% | 6,558 |
| Tier 1 risk-based capital ratio | 11.5960% | 6,034 |
| Total risk-based capital ratio | 12.8533% | 5,992 |
| Memoranda: | ||
| Average total assets | $101,615,200 | 4,786 |
| Average earning assets | $95,924,200 | 4,695 |
| Average equity | $8,149,200 | 5,459 |
| Average total loans | $66,397,000 | 4,486 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3231% | 963 |
| Cost of funding earning assets | 0.7802% | 3,111 |
| Net interest margin | 4.5429% | 914 |
| Noninterest income to average assets | 0.5418% | 3,658 |
| Noninterest expense to average assets | 3.7359% | 1,313 |
| Loan and lease loss provision to assets | 0.1490% | 3,676 |
| Net operating income to assets | 0.6550% | 4,116 |
| Return on assets (ROA) | 0.7778% | 3,808 |
| Pretax return on assets | 1.1152% | 3,296 |
| Return on Equity (ROE) | 9.5204% | 2,580 |
| Retained earnings to average equity (ytd only) | 2.9368% | 4,799 |
| Net charge-offs to loans | 0.3328% | 2,795 |
| Credit loss provision to net charge-offs | 68.9024% | 3,938 |
| Earnings coverage of net charge-offs (x) | 5.0366% | 3,131 |
| Efficiency ratio | 77.4317% | 2,463 |
| Assets per employee ($millions) | 2.7208% | 6,463 |
| Cash dividends to net income (ytd only)* | 69.1527% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 2,877 |
| Loan loss allowance to noncurrent loans | 143.5484% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 1.2119% | 3,867 |
| Noncurrent loans to loans | 1.2363% | 3,985 |
| Net loans and leases to total assets | 63.6131% | 3,089 |
| Net loans and leases to deposits | 69.6489% | 3,943 |
| Net loans and leases to core deposits | 75.5753% | 3,780 |
| Total domestic deposits to total assets | 91.3339% | 321 |
| Equity capital to assets | 8.2578% | 6,456 |
| Core capital (leverage) ratio | 7.9405% | 6,373 |
| Tier 1 risk-based capital ratio | 13.3238% | 5,002 |
| Total risk-based capital ratio | 14.5820% | 4,966 |
| Memoranda: | ||
| Average total assets | $101,141,500 | 4,852 |
| Average earning assets | $95,355,250 | 4,756 |
| Average equity | $8,262,750 | 5,485 |
| Average total loans | $65,694,500 | 4,563 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3304% | 990 |
| Cost of funding earning assets | 0.7941% | 3,237 |
| Net interest margin | 4.5362% | 935 |
| Noninterest income to average assets | 0.5706% | 3,445 |
| Noninterest expense to average assets | 3.7394% | 1,312 |
| Loan and lease loss provision to assets | 0.1323% | 3,872 |
| Net operating income to assets | 0.6810% | 3,980 |
| Return on assets (ROA) | 0.8648% | 3,329 |
| Pretax return on assets | 1.2359% | 2,781 |
| Return on Equity (ROE) | 10.6233% | 2,123 |
| Retained earnings to average equity (ytd only) | 5.0449% | 3,255 |
| Net charge-offs to loans | 0.1488% | 3,722 |
| Credit loss provision to net charge-offs | 136.7347% | 2,008 |
| Earnings coverage of net charge-offs (x) | 11.4286% | 1,961 |
| Efficiency ratio | 77.1801% | 2,568 |
| Assets per employee ($millions) | 2.7092% | 6,521 |
| Cash dividends to net income (ytd only)* | 52.5114% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 2,621 |
| Loan loss allowance to noncurrent loans | 148.2467% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 3,848 |
| Noncurrent loans to loans | 1.2666% | 4,020 |
| Net loans and leases to total assets | 62.2298% | 3,379 |
| Net loans and leases to deposits | 68.0096% | 4,198 |
| Net loans and leases to core deposits | 73.9328% | 4,046 |
| Total domestic deposits to total assets | 91.5016% | 311 |
| Equity capital to assets | 8.1196% | 6,507 |
| Core capital (leverage) ratio | 7.9312% | 6,336 |
| Tier 1 risk-based capital ratio | 13.2841% | 4,974 |
| Total risk-based capital ratio | 14.5429% | 4,939 |
| Memoranda: | ||
| Average total assets | $101,299,330 | 4,873 |
| Average earning assets | $95,453,330 | 4,783 |
| Average equity | $8,246,000 | 5,500 |
| Average total loans | $65,861,000 | 4,571 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 938 |
| Cost of funding earning assets | 0.8129% | 3,365 |
| Net interest margin | 4.5682% | 869 |
| Noninterest income to average assets | 0.5414% | 3,621 |
| Noninterest expense to average assets | 3.7422% | 1,313 |
| Loan and lease loss provision to assets | 0.0836% | 4,339 |
| Net operating income to assets | 0.6902% | 3,929 |
| Return on assets (ROA) | 0.8878% | 3,204 |
| Pretax return on assets | 1.3018% | 2,530 |
| Return on Equity (ROE) | 10.8920% | 2,064 |
| Retained earnings to average equity (ytd only) | 7.8149% | 2,048 |
| Net charge-offs to loans | 0.1875% | 2,981 |
| Credit loss provision to net charge-offs | 67.7419% | 2,962 |
| Earnings coverage of net charge-offs (x) | 8.8710% | 1,905 |
| Efficiency ratio | 77.3663% | 2,592 |
| Assets per employee ($millions) | 2.9508% | 6,250 |
| Cash dividends to net income (ytd only)* | 28.2511% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8053% | 2,977 |
| Loan loss allowance to noncurrent loans | 86.2491% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.6644% | 3,359 |
| Noncurrent loans to loans | 2.0932% | 3,037 |
| Net loans and leases to total assets | 63.0928% | 3,023 |
| Net loans and leases to deposits | 68.7686% | 3,915 |
| Net loans and leases to core deposits | 74.6874% | 3,802 |
| Total domestic deposits to total assets | 91.7465% | 318 |
| Equity capital to assets | 7.9368% | 6,561 |
| Core capital (leverage) ratio | 8.1600% | 6,082 |
| Tier 1 risk-based capital ratio | 13.0673% | 5,158 |
| Total risk-based capital ratio | 14.3255% | 5,117 |
| Memoranda: | ||
| Average total assets | $100,474,500 | 4,928 |
| Average earning assets | $94,479,500 | 4,835 |
| Average equity | $8,189,500 | 5,535 |
| Average total loans | $66,146,000 | 4,583 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9734% | 448 |
| Cost of funding earning assets | 0.9221% | 3,945 |
| Net interest margin | 5.0513% | 368 |
| Noninterest income to average assets | 0.6401% | 2,948 |
| Noninterest expense to average assets | 3.8790% | 1,212 |
| Loan and lease loss provision to assets | 0.2062% | 4,125 |
| Net operating income to assets | 0.8595% | 2,771 |
| Return on assets (ROA) | 0.8595% | 2,922 |
| Pretax return on assets | 1.2466% | 2,308 |
| Return on Equity (ROE) | 10.7013% | 1,802 |
| Retained earnings to average equity (ytd only) | 3.2635% | 3,899 |
| Net charge-offs to loans | 0.1484% | 4,958 |
| Credit loss provision to net charge-offs | 207.1429% | 1,194 |
| Earnings coverage of net charge-offs (x) | 14.5918% | 1,446 |
| Efficiency ratio | 72.7515% | 3,438 |
| Assets per employee ($millions) | 2.5044% | 6,825 |
| Cash dividends to net income (ytd only)* | 69.5035% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8322% | 2,770 |
| Loan loss allowance to noncurrent loans | 117.1678% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.4651% | 3,777 |
| Noncurrent loans to loans | 1.5637% | 3,820 |
| Net loans and leases to total assets | 66.2684% | 2,736 |
| Net loans and leases to deposits | 72.6619% | 3,712 |
| Net loans and leases to core deposits | 79.1395% | 3,560 |
| Total domestic deposits to total assets | 91.2011% | 428 |
| Equity capital to assets | 8.3771% | 6,275 |
| Core capital (leverage) ratio | 8.0988% | 6,143 |
| Tier 1 risk-based capital ratio | 12.8965% | 5,158 |
| Total risk-based capital ratio | 14.1551% | 5,125 |
| Memoranda: | ||
| Average total assets | $98,428,600 | 4,933 |
| Average earning assets | $91,422,600 | 4,874 |
| Average equity | $7,905,600 | 5,595 |
| Average total loans | $66,059,000 | 4,630 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0489% | 420 |
| Cost of funding earning assets | 0.9353% | 4,159 |
| Net interest margin | 5.1136% | 329 |
| Noninterest income to average assets | 0.7030% | 2,589 |
| Noninterest expense to average assets | 3.8707% | 1,198 |
| Loan and lease loss provision to assets | 0.2123% | 3,899 |
| Net operating income to assets | 0.9518% | 2,524 |
| Return on assets (ROA) | 0.9518% | 2,693 |
| Pretax return on assets | 1.3655% | 2,064 |
| Return on Equity (ROE) | 11.9778% | 1,559 |
| Retained earnings to average equity (ytd only) | 5.3084% | 2,987 |
| Net charge-offs to loans | 0.1110% | 4,900 |
| Credit loss provision to net charge-offs | 285.4545% | 1,001 |
| Earnings coverage of net charge-offs (x) | 21.2186% | 1,191 |
| Efficiency ratio | 71.0422% | 3,735 |
| Assets per employee ($millions) | 2.6676% | 6,701 |
| Cash dividends to net income (ytd only)* | 55.6816% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 2,968 |
| Loan loss allowance to noncurrent loans | 218.6933% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 4,938 |
| Noncurrent loans to loans | 0.8204% | 5,226 |
| Net loans and leases to total assets | 65.0715% | 3,091 |
| Net loans and leases to deposits | 71.2037% | 4,105 |
| Net loans and leases to core deposits | 77.9911% | 3,914 |
| Total domestic deposits to total assets | 91.3877% | 323 |
| Equity capital to assets | 8.1309% | 6,618 |
| Core capital (leverage) ratio | 8.0523% | 6,340 |
| Tier 1 risk-based capital ratio | 12.5811% | 5,422 |
| Total risk-based capital ratio | 13.8381% | 5,397 |
| Memoranda: | ||
| Average total assets | $98,618,000 | 4,960 |
| Average earning assets | $91,517,750 | 4,911 |
| Average equity | $7,836,500 | 5,649 |
| Average total loans | $66,090,500 | 4,673 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0537% | 427 |
| Cost of funding earning assets | 0.9519% | 4,306 |
| Net interest margin | 5.1018% | 331 |
| Noninterest income to average assets | 0.8168% | 1,940 |
| Noninterest expense to average assets | 3.9262% | 1,150 |
| Loan and lease loss provision to assets | 0.2252% | 3,660 |
| Net operating income to assets | 0.9846% | 2,285 |
| Return on assets (ROA) | 0.9846% | 2,388 |
| Pretax return on assets | 1.4268% | 1,737 |
| Return on Equity (ROE) | 12.4913% | 1,340 |
| Retained earnings to average equity (ytd only) | 5.7912% | 2,545 |
| Net charge-offs to loans | 0.1247% | 4,479 |
| Credit loss provision to net charge-offs | 268.2927% | 1,132 |
| Earnings coverage of net charge-offs (x) | 19.6829% | 1,208 |
| Efficiency ratio | 70.3853% | 4,036 |
| Assets per employee ($millions) | 2.7253% | 6,604 |
| Cash dividends to net income (ytd only)* | 53.6383% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 3,130 |
| Loan loss allowance to noncurrent loans | 182.5545% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 4,826 |
| Noncurrent loans to loans | 0.9631% | 5,061 |
| Net loans and leases to total assets | 66.7482% | 2,870 |
| Net loans and leases to deposits | 72.8389% | 3,976 |
| Net loans and leases to core deposits | 80.6920% | 3,692 |
| Total domestic deposits to total assets | 91.6381% | 313 |
| Equity capital to assets | 8.0245% | 6,667 |
| Core capital (leverage) ratio | 8.0794% | 6,192 |
| Tier 1 risk-based capital ratio | 12.7583% | 5,123 |
| Total risk-based capital ratio | 14.0152% | 5,088 |
| Memoranda: | ||
| Average total assets | $97,701,670 | 5,030 |
| Average earning assets | $91,184,330 | 4,962 |
| Average equity | $7,701,330 | 5,705 |
| Average total loans | $65,732,000 | 4,736 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0710% | 424 |
| Cost of funding earning assets | 0.9685% | 4,436 |
| Net interest margin | 5.1025% | 307 |
| Noninterest income to average assets | 0.4349% | 4,414 |
| Noninterest expense to average assets | 3.9140% | 1,155 |
| Loan and lease loss provision to assets | 0.1846% | 3,762 |
| Net operating income to assets | 0.7672% | 3,188 |
| Return on assets (ROA) | 0.7672% | 3,259 |
| Pretax return on assets | 1.0913% | 2,789 |
| Return on Equity (ROE) | 9.8221% | 2,161 |
| Retained earnings to average equity (ytd only) | 4.8323% | 3,291 |
| Net charge-offs to loans | 0.2513% | 3,079 |
| Credit loss provision to net charge-offs | 109.7561% | 2,433 |
| Earnings coverage of net charge-offs (x) | 7.5854% | 1,930 |
| Efficiency ratio | 75.4150% | 3,258 |
| Assets per employee ($millions) | 2.5299% | 6,951 |
| Cash dividends to net income (ytd only)* | 50.8021% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 3,337 |
| Loan loss allowance to noncurrent loans | 199.4595% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 4,785 |
| Noncurrent loans to loans | 0.8527% | 5,340 |
| Net loans and leases to total assets | 64.8474% | 3,275 |
| Net loans and leases to deposits | 70.5544% | 4,265 |
| Net loans and leases to core deposits | 78.1481% | 3,998 |
| Total domestic deposits to total assets | 91.9112% | 309 |
| Equity capital to assets | 7.8162% | 6,665 |
| Core capital (leverage) ratio | 8.0919% | 6,141 |
| Tier 1 risk-based capital ratio | 12.7737% | 4,994 |
| Total risk-based capital ratio | 14.0304% | 4,968 |
| Memoranda: | ||
| Average total assets | $97,496,500 | 5,070 |
| Average earning assets | $90,857,500 | 5,013 |
| Average equity | $7,615,500 | 5,737 |
| Average total loans | $65,268,000 | 4,796 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2124% | 546 |
| Cost of funding earning assets | 1.3107% | 3,811 |
| Net interest margin | 4.9017% | 549 |
| Noninterest income to average assets | 0.4470% | 4,541 |
| Noninterest expense to average assets | 3.7650% | 1,549 |
| Loan and lease loss provision to assets | 0.2073% | 5,176 |
| Net operating income to assets | 0.7827% | 2,880 |
| Return on assets (ROA) | 0.7827% | 3,002 |
| Pretax return on assets | 1.0962% | 2,590 |
| Return on Equity (ROE) | 10.1296% | 1,876 |
| Retained earnings to average equity (ytd only) | 2.5258% | 4,104 |
| Net charge-offs to loans | 0.1349% | 5,564 |
| Credit loss provision to net charge-offs | 230.3371% | 1,280 |
| Earnings coverage of net charge-offs (x) | 14.4831% | 1,336 |
| Efficiency ratio | 74.2817% | 3,338 |
| Assets per employee ($millions) | 2.4699% | 7,050 |
| Cash dividends to net income (ytd only)* | 75.0646% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 3,267 |
| Loan loss allowance to noncurrent loans | 193.8489% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1378% | 4,737 |
| Noncurrent loans to loans | 0.8694% | 5,327 |
| Net loans and leases to total assets | 66.7971% | 3,276 |
| Net loans and leases to deposits | 72.6055% | 4,414 |
| Net loans and leases to core deposits | 82.3696% | 3,849 |
| Total domestic deposits to total assets | 92.0001% | 283 |
| Equity capital to assets | 7.8058% | 6,669 |
| Core capital (leverage) ratio | 7.9298% | 6,289 |
| Tier 1 risk-based capital ratio | 12.5113% | 5,013 |
| Total risk-based capital ratio | 13.7681% | 4,994 |
| Memoranda: | ||
| Average total assets | $98,883,800 | 5,015 |
| Average earning assets | $93,233,600 | 4,907 |
| Average equity | $7,641,000 | 5,830 |
| Average total loans | $65,964,800 | 4,826 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2169% | 596 |
| Cost of funding earning assets | 1.3829% | 3,686 |
| Net interest margin | 4.8339% | 625 |
| Noninterest income to average assets | 0.4515% | 4,549 |
| Noninterest expense to average assets | 3.7645% | 1,443 |
| Loan and lease loss provision to assets | 0.2090% | 4,976 |
| Net operating income to assets | 0.7676% | 3,147 |
| Return on assets (ROA) | 0.7676% | 3,302 |
| Pretax return on assets | 1.0342% | 3,056 |
| Return on Equity (ROE) | 9.9587% | 2,138 |
| Retained earnings to average equity (ytd only) | 2.6071% | 4,594 |
| Net charge-offs to loans | 0.1513% | 5,097 |
| Credit loss provision to net charge-offs | 208.0000% | 1,701 |
| Earnings coverage of net charge-offs (x) | 12.3730% | 1,692 |
| Efficiency ratio | 75.1739% | 3,108 |
| Assets per employee ($millions) | 2.5833% | 6,968 |
| Cash dividends to net income (ytd only)* | 73.8226% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 3,458 |
| Loan loss allowance to noncurrent loans | 223.4310% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 5,018 |
| Noncurrent loans to loans | 0.7233% | 5,763 |
| Net loans and leases to total assets | 66.2361% | 3,632 |
| Net loans and leases to deposits | 72.4124% | 4,775 |
| Net loans and leases to core deposits | 80.2077% | 4,489 |
| Total domestic deposits to total assets | 91.4707% | 320 |
| Equity capital to assets | 8.0322% | 6,775 |
| Core capital (leverage) ratio | 7.6770% | 6,700 |
| Tier 1 risk-based capital ratio | 12.4033% | 5,075 |
| Total risk-based capital ratio | 13.6595% | 5,039 |
| Memoranda: | ||
| Average total assets | $99,523,250 | 5,068 |
| Average earning assets | $93,807,000 | 4,954 |
| Average equity | $7,671,500 | 5,891 |
| Average total loans | $66,094,500 | 4,900 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2580% | 554 |
| Cost of funding earning assets | 1.4319% | 3,661 |
| Net interest margin | 4.8261% | 629 |
| Noninterest income to average assets | 0.4181% | 4,772 |
| Noninterest expense to average assets | 3.7669% | 1,423 |
| Loan and lease loss provision to assets | 0.1800% | 5,066 |
| Net operating income to assets | 0.7522% | 3,190 |
| Return on assets (ROA) | 0.7522% | 3,342 |
| Pretax return on assets | 1.0223% | 3,035 |
| Return on Equity (ROE) | 9.8943% | 2,138 |
| Retained earnings to average equity (ytd only) | 2.9736% | 4,230 |
| Net charge-offs to loans | 0.1664% | 4,617 |
| Credit loss provision to net charge-offs | 163.6364% | 2,410 |
| Earnings coverage of net charge-offs (x) | 10.9273% | 1,823 |
| Efficiency ratio | 75.8052% | 3,104 |
| Assets per employee ($millions) | 2.5297% | 7,062 |
| Cash dividends to net income (ytd only)* | 69.9468% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 3,609 |
| Loan loss allowance to noncurrent loans | 165.1050% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 1.1691% | 4,802 |
| Noncurrent loans to loans | 0.9481% | 5,407 |
| Net loans and leases to total assets | 63.5147% | 4,345 |
| Net loans and leases to deposits | 69.0267% | 5,412 |
| Net loans and leases to core deposits | 77.2889% | 5,047 |
| Total domestic deposits to total assets | 92.0147% | 219 |
| Equity capital to assets | 7.6216% | 7,042 |
| Core capital (leverage) ratio | 7.5668% | 6,764 |
| Tier 1 risk-based capital ratio | 12.4125% | 4,933 |
| Total risk-based capital ratio | 13.6676% | 4,909 |
| Memoranda: | ||
| Average total assets | $99,975,330 | 5,075 |
| Average earning assets | $94,279,000 | 4,978 |
| Average equity | $7,600,330 | 5,923 |
| Average total loans | $66,096,000 | 4,936 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3555% | 480 |
| Cost of funding earning assets | 1.4289% | 3,998 |
| Net interest margin | 4.9266% | 491 |
| Noninterest income to average assets | 0.3784% | 5,107 |
| Noninterest expense to average assets | 3.7919% | 1,342 |
| Loan and lease loss provision to assets | 0.1811% | 4,711 |
| Net operating income to assets | 0.7688% | 3,114 |
| Return on assets (ROA) | 0.7688% | 3,228 |
| Pretax return on assets | 1.0546% | 2,892 |
| Return on Equity (ROE) | 10.1266% | 2,058 |
| Retained earnings to average equity (ytd only) | 4.4006% | 3,511 |
| Net charge-offs to loans | 0.0902% | 4,513 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 20.4667% | 1,157 |
| Efficiency ratio | 75.4203% | 3,323 |
| Assets per employee ($millions) | 2.4628% | 7,249 |
| Cash dividends to net income (ytd only)* | 56.5445% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,738 |
| Loan loss allowance to noncurrent loans | 120.9275% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.3548% | 4,486 |
| Noncurrent loans to loans | 1.2670% | 4,866 |
| Net loans and leases to total assets | 64.7302% | 4,154 |
| Net loans and leases to deposits | 70.3113% | 5,299 |
| Net loans and leases to core deposits | 81.0365% | 4,617 |
| Total domestic deposits to total assets | 92.0622% | 227 |
| Equity capital to assets | 7.5486% | 7,033 |
| Core capital (leverage) ratio | 7.7979% | 6,508 |
| Tier 1 risk-based capital ratio | 12.1181% | 5,068 |
| Total risk-based capital ratio | 13.3721% | 5,032 |
| Memoranda: | ||
| Average total assets | $99,370,000 | 5,166 |
| Average earning assets | $93,777,500 | 5,057 |
| Average equity | $7,544,500 | 5,997 |
| Average total loans | $66,499,000 | 4,987 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6716% | 495 |
| Cost of funding earning assets | 1.8258% | 3,853 |
| Net interest margin | 4.8457% | 629 |
| Noninterest income to average assets | 0.8243% | 2,290 |
| Noninterest expense to average assets | 3.9288% | 1,472 |
| Loan and lease loss provision to assets | 0.5100% | 3,827 |
| Net operating income to assets | 0.6903% | 2,971 |
| Return on assets (ROA) | 0.6903% | 3,041 |
| Pretax return on assets | 0.9139% | 2,880 |
| Return on Equity (ROE) | 9.3534% | 1,904 |
| Retained earnings to average equity (ytd only) | 0.9074% | 4,388 |
| Net charge-offs to loans | 0.1991% | 5,402 |
| Credit loss provision to net charge-offs | 372.1805% | 857 |
| Earnings coverage of net charge-offs (x) | 10.3910% | 1,695 |
| Efficiency ratio | 73.3975% | 4,019 |
| Assets per employee ($millions) | 2.4442% | 7,290 |
| Cash dividends to net income (ytd only)* | 90.2985% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 3,825 |
| Loan loss allowance to noncurrent loans | 109.3023% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.5036% | 4,124 |
| Noncurrent loans to loans | 1.3554% | 4,659 |
| Net loans and leases to total assets | 67.1331% | 3,891 |
| Net loans and leases to deposits | 73.8199% | 5,071 |
| Net loans and leases to core deposits | 108.2873% | 3,072 |
| Total domestic deposits to total assets | 90.9417% | 553 |
| Equity capital to assets | 7.6375% | 6,911 |
| Core capital (leverage) ratio | 7.8103% | 6,436 |
| Tier 1 risk-based capital ratio | 12.0486% | 4,903 |
| Total risk-based capital ratio | 13.3027% | 4,861 |
| Memoranda: | ||
| Average total assets | $97,053,000 | 5,167 |
| Average earning assets | $90,698,400 | 5,099 |
| Average equity | $7,163,200 | 6,216 |
| Average total loans | $66,816,800 | 4,988 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7103% | 502 |
| Cost of funding earning assets | 1.9219% | 3,767 |
| Net interest margin | 4.7884% | 700 |
| Noninterest income to average assets | 0.9097% | 1,939 |
| Noninterest expense to average assets | 3.8922% | 1,442 |
| Loan and lease loss provision to assets | 0.6083% | 2,955 |
| Net operating income to assets | 0.6620% | 3,342 |
| Return on assets (ROA) | 0.6620% | 3,407 |
| Pretax return on assets | 0.8740% | 3,303 |
| Return on Equity (ROE) | 9.0489% | 2,243 |
| Retained earnings to average equity (ytd only) | 0.6208% | 4,939 |
| Net charge-offs to loans | 0.2074% | 4,745 |
| Credit loss provision to net charge-offs | 425.0000% | 935 |
| Earnings coverage of net charge-offs (x) | 10.3560% | 1,971 |
| Efficiency ratio | 72.4200% | 4,167 |
| Assets per employee ($millions) | 2.6272% | 6,998 |
| Cash dividends to net income (ytd only)* | 93.1392% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 3,817 |
| Loan loss allowance to noncurrent loans | 99.4835% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.5956% | 3,962 |
| Noncurrent loans to loans | 1.4310% | 4,528 |
| Net loans and leases to total assets | 68.5983% | 3,824 |
| Net loans and leases to deposits | 74.7796% | 5,251 |
| Net loans and leases to core deposits | 105.2897% | 3,785 |
| Total domestic deposits to total assets | 91.7340% | 217 |
| Equity capital to assets | 7.7434% | 7,108 |
| Core capital (leverage) ratio | 7.7915% | 6,616 |
| Tier 1 risk-based capital ratio | 11.8286% | 5,130 |
| Total risk-based capital ratio | 13.0823% | 5,066 |
| Memoranda: | ||
| Average total assets | $96,874,500 | 5,218 |
| Average earning assets | $90,326,500 | 5,152 |
| Average equity | $7,087,250 | 6,292 |
| Average total loans | $66,865,750 | 5,022 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6509% | 601 |
| Cost of funding earning assets | 2.0284% | 3,635 |
| Net interest margin | 4.6224% | 912 |
| Noninterest income to average assets | 0.5725% | 3,884 |
| Noninterest expense to average assets | 3.7596% | 1,725 |
| Loan and lease loss provision to assets | 0.3018% | 4,146 |
| Net operating income to assets | 0.6387% | 3,512 |
| Return on assets (ROA) | 0.6387% | 3,616 |
| Pretax return on assets | 0.8019% | 3,666 |
| Return on Equity (ROE) | 8.9040% | 2,396 |
| Retained earnings to average equity (ytd only) | 0.3170% | 5,093 |
| Net charge-offs to loans | 0.2973% | 3,699 |
| Credit loss provision to net charge-offs | 147.4747% | 3,133 |
| Earnings coverage of net charge-offs (x) | 5.3939% | 2,842 |
| Efficiency ratio | 77.3056% | 3,453 |
| Assets per employee ($millions) | 2.6098% | 7,034 |
| Cash dividends to net income (ytd only)* | 96.4401% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 6,143 |
| Loan loss allowance to noncurrent loans | 75.1678% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.5586% | 3,887 |
| Noncurrent loans to loans | 1.3458% | 4,521 |
| Net loans and leases to total assets | 68.0954% | 4,137 |
| Net loans and leases to deposits | 76.7825% | 5,059 |
| Net loans and leases to core deposits | 109.9637% | 3,374 |
| Total domestic deposits to total assets | 88.6861% | 1,443 |
| Equity capital to assets | 7.1549% | 7,518 |
| Core capital (leverage) ratio | 7.2200% | 7,336 |
| Tier 1 risk-based capital ratio | 11.2629% | 5,626 |
| Total risk-based capital ratio | 12.3370% | 5,710 |
| Memoranda: | ||
| Average total assets | $96,764,330 | 5,256 |
| Average earning assets | $89,822,670 | 5,208 |
| Average equity | $6,940,670 | 6,390 |
| Average total loans | $66,606,330 | 5,084 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6478% | 639 |
| Cost of funding earning assets | 2.1186% | 3,565 |
| Net interest margin | 4.5292% | 1,072 |
| Noninterest income to average assets | 0.5823% | 3,669 |
| Noninterest expense to average assets | 3.6835% | 1,685 |
| Loan and lease loss provision to assets | 0.3427% | 3,272 |
| Net operating income to assets | 0.6235% | 3,923 |
| Return on assets (ROA) | 0.6235% | 4,103 |
| Pretax return on assets | 0.7846% | 4,130 |
| Return on Equity (ROE) | 8.6825% | 2,847 |
| Retained earnings to average equity (ytd only) | 0.3450% | 5,521 |
| Net charge-offs to loans | 0.3119% | 2,853 |
| Credit loss provision to net charge-offs | 159.6154% | 2,652 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,712 |
| Efficiency ratio | 76.5665% | 3,395 |
| Assets per employee ($millions) | 2.7406% | 6,785 |
| Cash dividends to net income (ytd only)* | 96.0265% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,247 |
| Loan loss allowance to noncurrent loans | 64.3137% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 3,631 |
| Noncurrent loans to loans | 1.5428% | 3,964 |
| Net loans and leases to total assets | 66.3481% | 4,499 |
| Net loans and leases to deposits | 74.7164% | 5,398 |
| Net loans and leases to core deposits | 107.8438% | 3,704 |
| Total domestic deposits to total assets | 88.7999% | 1,341 |
| Equity capital to assets | 7.0677% | 7,646 |
| Core capital (leverage) ratio | 7.2354% | 7,446 |
| Tier 1 risk-based capital ratio | 11.4595% | 5,453 |
| Total risk-based capital ratio | 12.5271% | 5,533 |
| Memoranda: | ||
| Average total assets | $96,865,000 | 5,278 |
| Average earning assets | $90,435,500 | 5,210 |
| Average equity | $6,956,500 | 6,428 |
| Average total loans | $66,696,000 | 5,107 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3022% | 593 |
| Cost of funding earning assets | 2.8158% | 2,644 |
| Net interest margin | 4.4864% | 1,457 |
| Noninterest income to average assets | 0.6633% | 3,384 |
| Noninterest expense to average assets | 3.7106% | 1,939 |
| Loan and lease loss provision to assets | 0.2954% | 4,022 |
| Net operating income to assets | 0.5908% | 4,345 |
| Return on assets (ROA) | 0.5908% | 4,213 |
| Pretax return on assets | 0.7957% | 4,091 |
| Return on Equity (ROE) | 8.7180% | 2,746 |
| Retained earnings to average equity (ytd only) | 4.7623% | 2,177 |
| Net charge-offs to loans | 0.2457% | 3,812 |
| Credit loss provision to net charge-offs | 170.3030% | 3,005 |
| Earnings coverage of net charge-offs (x) | 6.2909% | 3,392 |
| Efficiency ratio | 77.2767% | 3,040 |
| Assets per employee ($millions) | 2.4377% | 7,331 |
| Cash dividends to net income (ytd only)* | 45.3737% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 6,515 |
| Loan loss allowance to noncurrent loans | 65.3766% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.5283% | 3,162 |
| Noncurrent loans to loans | 1.4210% | 3,675 |
| Net loans and leases to total assets | 70.1083% | 3,991 |
| Net loans and leases to deposits | 78.7579% | 5,232 |
| Net loans and leases to core deposits | 115.8500% | 3,138 |
| Total domestic deposits to total assets | 89.0176% | 1,034 |
| Equity capital to assets | 7.2999% | 7,561 |
| Core capital (leverage) ratio | 7.3380% | 7,379 |
| Tier 1 risk-based capital ratio | 11.2400% | 5,498 |
| Total risk-based capital ratio | 12.2384% | 5,635 |
| Memoranda: | ||
| Average total assets | $95,131,600 | 5,194 |
| Average earning assets | $87,754,800 | 5,158 |
| Average equity | $6,446,400 | 6,656 |
| Average total loans | $67,144,400 | 4,972 |