Home > Locus Bank, Inc. > Performance and Condition Ratios
Locus Bank, Inc., 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 | 5.8076% | 1,470 |
| Cost of funding earning assets | 2.4820% | 891 |
| Net interest margin | 3.3256% | 2,722 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 2.1065% | 3,343 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.9509% | 2,415 |
| Return on assets (ROA) | 0.9509% | 2,417 |
| Pretax return on assets | 1.2044% | 2,240 |
| Return on Equity (ROE) | 4.6100% | 3,613 |
| Retained earnings to average equity (ytd only) | 3.5576% | 2,955 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.4636% | 2,537 |
| Assets per employee ($millions) | 9.5669% | 914 |
| Cash dividends to net income (ytd only)* | 22.7785% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 4,098 |
| Loan loss allowance to noncurrent loans | 64.0680% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 898 |
| Noncurrent loans to loans | 1.0178% | 1,043 |
| Net loans and leases to total assets | 82.2600% | 379 |
| Net loans and leases to deposits | 118.4846% | 77 |
| Net loans and leases to core deposits | 167.0216% | 88 |
| Total domestic deposits to total assets | 69.4300% | 4,204 |
| Equity capital to assets | 20.8432% | 260 |
| Core capital (leverage) ratio | 20.9484% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $336,106,000 | 2,317 |
| Average earning assets | $321,509,500 | 2,269 |
| Average equity | $69,372,500 | 1,367 |
| Average total loans | $270,163,000 | 2,006 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5856% | 1,975 |
| Cost of funding earning assets | 2.5902% | 981 |
| Net interest margin | 2.9954% | 3,151 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 1.9601% | 3,679 |
| Loan and lease loss provision to assets | -0.0300% | 4,205 |
| Net operating income to assets | 0.9653% | 2,172 |
| Return on assets (ROA) | 0.9653% | 2,168 |
| Pretax return on assets | 1.1808% | 2,028 |
| Return on Equity (ROE) | 4.5900% | 3,588 |
| Retained earnings to average equity (ytd only) | 3.1741% | 2,974 |
| Net charge-offs to loans | 0.0015% | 2,992 |
| Credit loss provision to net charge-offs | -2,925.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | 928.7500% | 142 |
| Efficiency ratio | 62.9833% | 2,832 |
| Assets per employee ($millions) | 11.2456% | 538 |
| Cash dividends to net income (ytd only)* | 30.8705% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6888% | 4,079 |
| Loan loss allowance to noncurrent loans | 62.2253% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 816 |
| Noncurrent loans to loans | 1.1069% | 908 |
| Net loans and leases to total assets | 77.4400% | 958 |
| Net loans and leases to deposits | 110.5573% | 171 |
| Net loans and leases to core deposits | 155.4984% | 141 |
| Total domestic deposits to total assets | 70.0500% | 4,205 |
| Equity capital to assets | 20.4385% | 261 |
| Core capital (leverage) ratio | 21.2169% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $322,490,200 | 2,345 |
| Average earning assets | $308,007,000 | 2,302 |
| Average equity | $67,799,400 | 1,353 |
| Average total loans | $261,704,200 | 2,013 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5044% | 2,074 |
| Cost of funding earning assets | 2.5665% | 1,043 |
| Net interest margin | 2.9380% | 3,226 |
| Noninterest income to average assets | 0.1500% | 4,001 |
| Noninterest expense to average assets | 2.0252% | 3,506 |
| Loan and lease loss provision to assets | -0.0600% | 4,325 |
| Net operating income to assets | 0.8257% | 2,607 |
| Return on assets (ROA) | 0.8257% | 2,627 |
| Pretax return on assets | 0.9904% | 2,576 |
| Return on Equity (ROE) | 3.9000% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.4186% | 3,036 |
| Net charge-offs to loans | -0.0010% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 68.6224% | 2,181 |
| Assets per employee ($millions) | 10.2307% | 710 |
| Cash dividends to net income (ytd only)* | 12.3100% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 4,137 |
| Loan loss allowance to noncurrent loans | 51.0443% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 608 |
| Noncurrent loans to loans | 1.2979% | 760 |
| Net loans and leases to total assets | 81.7100% | 435 |
| Net loans and leases to deposits | 118.0664% | 88 |
| Net loans and leases to core deposits | 173.8172% | 83 |
| Total domestic deposits to total assets | 69.2100% | 4,244 |
| Equity capital to assets | 21.0492% | 245 |
| Core capital (leverage) ratio | 22.0146% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $318,770,500 | 2,355 |
| Average earning assets | $304,329,250 | 2,312 |
| Average equity | $67,511,000 | 1,347 |
| Average total loans | $261,362,500 | 2,005 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5020% | 1,969 |
| Cost of funding earning assets | 2.5297% | 1,030 |
| Net interest margin | 2.9723% | 3,108 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 2.0950% | 3,333 |
| Loan and lease loss provision to assets | 0.1400% | 838 |
| Net operating income to assets | 0.6382% | 3,092 |
| Return on assets (ROA) | 0.6382% | 3,122 |
| Pretax return on assets | 0.7306% | 3,157 |
| Return on Equity (ROE) | 3.0100% | 3,880 |
| Retained earnings to average equity (ytd only) | 2.8250% | 3,079 |
| Net charge-offs to loans | -0.0015% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 70.5694% | 2,040 |
| Assets per employee ($millions) | 9.5374% | 842 |
| Cash dividends to net income (ytd only)* | 6.0516% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 3,850 |
| Loan loss allowance to noncurrent loans | 45.8457% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4990% | 340 |
| Noncurrent loans to loans | 1.8263% | 422 |
| Net loans and leases to total assets | 81.3900% | 531 |
| Net loans and leases to deposits | 125.0774% | 66 |
| Net loans and leases to core deposits | 189.1645% | 52 |
| Total domestic deposits to total assets | 65.0800% | 4,322 |
| Equity capital to assets | 21.4537% | 244 |
| Core capital (leverage) ratio | 21.9201% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $315,900,333 | 2,360 |
| Average earning assets | $301,453,667 | 2,316 |
| Average equity | $67,044,333 | 1,345 |
| Average total loans | $258,721,000 | 2,012 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4828% | 1,845 |
| Cost of funding earning assets | 2.4480% | 1,082 |
| Net interest margin | 3.0348% | 2,912 |
| Noninterest income to average assets | 0.1300% | 4,079 |
| Noninterest expense to average assets | 2.0753% | 3,379 |
| Loan and lease loss provision to assets | -0.0300% | 4,282 |
| Net operating income to assets | 0.8241% | 2,468 |
| Return on assets (ROA) | 0.8241% | 2,483 |
| Pretax return on assets | 0.9871% | 2,420 |
| Return on Equity (ROE) | 3.9000% | 3,692 |
| Retained earnings to average equity (ytd only) | 3.9039% | 2,737 |
| Net charge-offs to loans | -0.0031% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 68.5309% | 2,318 |
| Assets per employee ($millions) | 10.3166% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7348% | 4,051 |
| Loan loss allowance to noncurrent loans | 61.7771% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9677% | 607 |
| Noncurrent loans to loans | 1.1895% | 700 |
| Net loans and leases to total assets | 80.7600% | 533 |
| Net loans and leases to deposits | 118.8375% | 81 |
| Net loans and leases to core deposits | 201.0031% | 79 |
| Total domestic deposits to total assets | 67.9600% | 4,340 |
| Equity capital to assets | 20.9821% | 255 |
| Core capital (leverage) ratio | 21.7263% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $316,483,500 | 2,368 |
| Average earning assets | $301,960,000 | 2,326 |
| Average equity | $66,805,500 | 1,339 |
| Average total loans | $258,912,000 | 2,010 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 2,144 |
| Cost of funding earning assets | 1.7865% | 1,269 |
| Net interest margin | 3.1780% | 2,928 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.4328% | 2,489 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.5789% | 3,498 |
| Return on assets (ROA) | 0.5789% | 3,487 |
| Pretax return on assets | 0.6911% | 3,460 |
| Return on Equity (ROE) | 2.5100% | 4,096 |
| Retained earnings to average equity (ytd only) | 1.8639% | 3,609 |
| Net charge-offs to loans | 0.0130% | 2,167 |
| Credit loss provision to net charge-offs | 1,393.3333% | 311 |
| Earnings coverage of net charge-offs (x) | 79.8667% | 1,021 |
| Efficiency ratio | 74.2836% | 1,426 |
| Assets per employee ($millions) | 8.6986% | 1,108 |
| Cash dividends to net income (ytd only)* | 25.8045% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 4,058 |
| Loan loss allowance to noncurrent loans | 56.8813% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 432 |
| Noncurrent loans to loans | 1.3143% | 528 |
| Net loans and leases to total assets | 81.6500% | 464 |
| Net loans and leases to deposits | 121.1251% | 76 |
| Net loans and leases to core deposits | 187.5339% | 91 |
| Total domestic deposits to total assets | 67.4100% | 4,351 |
| Equity capital to assets | 21.2380% | 262 |
| Core capital (leverage) ratio | 22.7671% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $284,483,600 | 2,499 |
| Average earning assets | $270,642,600 | 2,462 |
| Average equity | $65,562,400 | 1,312 |
| Average total loans | $231,341,600 | 2,093 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8778% | 2,110 |
| Cost of funding earning assets | 1.6628% | 1,251 |
| Net interest margin | 3.2149% | 2,882 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.4816% | 2,293 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.4823% | 3,798 |
| Return on assets (ROA) | 0.4823% | 3,803 |
| Pretax return on assets | 0.5818% | 3,767 |
| Return on Equity (ROE) | 2.0500% | 4,190 |
| Retained earnings to average equity (ytd only) | 2.0480% | 3,719 |
| Net charge-offs to loans | 0.0178% | 1,780 |
| Credit loss provision to net charge-offs | 1,943.3333% | 242 |
| Earnings coverage of net charge-offs (x) | 60.0667% | 1,204 |
| Efficiency ratio | 74.1204% | 1,350 |
| Assets per employee ($millions) | 7.7567% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 3,833 |
| Loan loss allowance to noncurrent loans | 69.3532% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 494 |
| Noncurrent loans to loans | 1.2502% | 618 |
| Net loans and leases to total assets | 81.1100% | 524 |
| Net loans and leases to deposits | 129.8601% | 42 |
| Net loans and leases to core deposits | 167.6253% | 78 |
| Total domestic deposits to total assets | 62.4600% | 4,443 |
| Equity capital to assets | 22.2742% | 230 |
| Core capital (leverage) ratio | 23.8575% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $277,287,000 | 2,544 |
| Average earning assets | $263,639,250 | 2,504 |
| Average equity | $65,296,500 | 1,302 |
| Average total loans | $224,771,750 | 2,133 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 2,132 |
| Cost of funding earning assets | 1.5899% | 1,088 |
| Net interest margin | 3.1502% | 3,107 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.6088% | 1,907 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 0.1120% | 4,355 |
| Return on assets (ROA) | 0.1120% | 4,385 |
| Pretax return on assets | 0.1238% | 4,380 |
| Return on Equity (ROE) | 0.4700% | 4,406 |
| Retained earnings to average equity (ytd only) | 0.4664% | 3,991 |
| Net charge-offs to loans | 0.0274% | 1,343 |
| Credit loss provision to net charge-offs | 1,806.6667% | 284 |
| Earnings coverage of net charge-offs (x) | 23.7667% | 1,667 |
| Efficiency ratio | 83.2393% | 640 |
| Assets per employee ($millions) | 6.9832% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 3,767 |
| Loan loss allowance to noncurrent loans | 71.0080% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 442 |
| Noncurrent loans to loans | 1.2757% | 557 |
| Net loans and leases to total assets | 80.2800% | 606 |
| Net loans and leases to deposits | 122.9777% | 75 |
| Net loans and leases to core deposits | 164.7402% | 92 |
| Total domestic deposits to total assets | 65.2800% | 4,438 |
| Equity capital to assets | 23.3079% | 210 |
| Core capital (leverage) ratio | 24.4632% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $271,464,667 | 2,580 |
| Average earning assets | $257,630,667 | 2,541 |
| Average equity | $65,177,333 | 1,302 |
| Average total loans | $219,305,667 | 2,157 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 2,102 |
| Cost of funding earning assets | 1.3771% | 1,073 |
| Net interest margin | 3.2160% | 3,075 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.6763% | 1,731 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 0.1465% | 4,405 |
| Return on assets (ROA) | 0.1465% | 4,380 |
| Pretax return on assets | 0.1675% | 4,366 |
| Return on Equity (ROE) | 0.6000% | 4,407 |
| Retained earnings to average equity (ytd only) | 0.6011% | 3,930 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.7939% | 557 |
| Assets per employee ($millions) | 7.0906% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 4,064 |
| Loan loss allowance to noncurrent loans | 81.4147% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 592 |
| Noncurrent loans to loans | 0.9984% | 728 |
| Net loans and leases to total assets | 79.7500% | 565 |
| Net loans and leases to deposits | 120.1347% | 85 |
| Net loans and leases to core deposits | 147.7564% | 133 |
| Total domestic deposits to total assets | 66.3900% | 4,480 |
| Equity capital to assets | 24.2302% | 162 |
| Core capital (leverage) ratio | 25.2422% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $267,534,000 | 2,633 |
| Average earning assets | $252,986,500 | 2,600 |
| Average equity | $65,213,500 | 1,311 |
| Average total loans | $215,808,000 | 2,200 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 1,405 |
| Cost of funding earning assets | 0.7653% | 441 |
| Net interest margin | 3.3658% | 2,360 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.4309% | 2,334 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.7593% | 3,458 |
| Return on assets (ROA) | 0.6983% | 3,575 |
| Pretax return on assets | 0.9018% | 3,347 |
| Return on Equity (ROE) | 3.3700% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.4272% | 3,879 |
| Net charge-offs to loans | 0.1796% | 464 |
| Credit loss provision to net charge-offs | 67.5595% | 1,735 |
| Earnings coverage of net charge-offs (x) | 7.8065% | 2,291 |
| Efficiency ratio | 69.4004% | 1,769 |
| Assets per employee ($millions) | 6.4787% | 2,351 |
| Cash dividends to net income (ytd only)* | 27.9696% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6275% | 4,308 |
| Loan loss allowance to noncurrent loans | 1,173.0435% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,373 |
| Noncurrent loans to loans | 0.0535% | 3,367 |
| Net loans and leases to total assets | 80.4200% | 546 |
| Net loans and leases to deposits | 119.9168% | 69 |
| Net loans and leases to core deposits | 150.5338% | 95 |
| Total domestic deposits to total assets | 67.0600% | 4,517 |
| Equity capital to assets | 24.5235% | 156 |
| Core capital (leverage) ratio | 25.2490% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $244,728,600 | 2,759 |
| Average earning assets | $232,189,000 | 2,722 |
| Average equity | $50,717,400 | 1,600 |
| Average total loans | $187,112,600 | 2,326 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 1,573 |
| Cost of funding earning assets | 0.5993% | 443 |
| Net interest margin | 3.2637% | 2,407 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.4595% | 2,130 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.7198% | 3,509 |
| Return on assets (ROA) | 0.7198% | 3,458 |
| Pretax return on assets | 0.8785% | 3,381 |
| Return on Equity (ROE) | 3.6600% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.6593% | 3,563 |
| Net charge-offs to loans | 0.2598% | 255 |
| Credit loss provision to net charge-offs | 48.1481% | 1,529 |
| Earnings coverage of net charge-offs (x) | 4.9772% | 2,158 |
| Efficiency ratio | 71.6626% | 1,567 |
| Assets per employee ($millions) | 6.2119% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 4,363 |
| Loan loss allowance to noncurrent loans | 52.4435% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 492 |
| Noncurrent loans to loans | 1.1763% | 627 |
| Net loans and leases to total assets | 78.8500% | 629 |
| Net loans and leases to deposits | 121.9174% | 48 |
| Net loans and leases to core deposits | 155.2586% | 53 |
| Total domestic deposits to total assets | 64.6800% | 4,595 |
| Equity capital to assets | 24.8745% | 142 |
| Core capital (leverage) ratio | 26.5474% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $239,504,000 | 2,807 |
| Average earning assets | $227,139,500 | 2,774 |
| Average equity | $47,111,500 | 1,717 |
| Average total loans | $180,149,750 | 2,374 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6403% | 1,720 |
| Cost of funding earning assets | 0.5150% | 479 |
| Net interest margin | 3.1253% | 2,456 |
| Noninterest income to average assets | 0.4346% | 2,542 |
| Noninterest expense to average assets | 2.4960% | 1,940 |
| Loan and lease loss provision to assets | 0.0396% | 1,870 |
| Net operating income to assets | 0.7445% | 3,158 |
| Return on assets (ROA) | 0.7445% | 3,117 |
| Pretax return on assets | 0.8762% | 3,131 |
| Return on Equity (ROE) | 4.2008% | 3,986 |
| Retained earnings to average equity (ytd only) | 4.2008% | 3,010 |
| Net charge-offs to loans | 0.1939% | 333 |
| Credit loss provision to net charge-offs | 27.7108% | 1,575 |
| Earnings coverage of net charge-offs (x) | 6.4096% | 1,898 |
| Efficiency ratio | 73.1584% | 1,598 |
| Assets per employee ($millions) | 6.4414% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 4,292 |
| Loan loss allowance to noncurrent loans | 49.9627% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.0949% | 411 |
| Noncurrent loans to loans | 1.4542% | 517 |
| Net loans and leases to total assets | 74.7458% | 835 |
| Net loans and leases to deposits | 106.5580% | 128 |
| Net loans and leases to core deposits | 132.0079% | 113 |
| Total domestic deposits to total assets | 70.1456% | 4,617 |
| Equity capital to assets | 26.6236% | 83 |
| Core capital (leverage) ratio | 29.1452% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,372,667 | 2,877 |
| Average earning assets | $221,358,000 | 2,841 |
| Average equity | $41,183,000 | 1,946 |
| Average total loans | $171,198,333 | 2,449 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 1,436 |
| Cost of funding earning assets | 0.5378% | 399 |
| Net interest margin | 3.0875% | 2,213 |
| Noninterest income to average assets | 0.3042% | 3,288 |
| Noninterest expense to average assets | 2.6016% | 1,597 |
| Loan and lease loss provision to assets | -0.2158% | 4,698 |
| Net operating income to assets | 0.7057% | 3,037 |
| Return on assets (ROA) | 0.7057% | 3,028 |
| Pretax return on assets | 0.8631% | 2,902 |
| Return on Equity (ROE) | 5.4675% | 3,492 |
| Retained earnings to average equity (ytd only) | 5.4675% | 2,424 |
| Net charge-offs to loans | 0.2721% | 235 |
| Credit loss provision to net charge-offs | -108.9286% | 2,894 |
| Earnings coverage of net charge-offs (x) | 3.2679% | 1,674 |
| Efficiency ratio | 80.0762% | 1,150 |
| Assets per employee ($millions) | 6.2121% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 4,317 |
| Loan loss allowance to noncurrent loans | 44.4767% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 353 |
| Noncurrent loans to loans | 1.6774% | 469 |
| Net loans and leases to total assets | 72.8146% | 761 |
| Net loans and leases to deposits | 87.4641% | 653 |
| Net loans and leases to core deposits | 109.4003% | 273 |
| Total domestic deposits to total assets | 83.2508% | 3,912 |
| Equity capital to assets | 12.9497% | 698 |
| Core capital (leverage) ratio | 13.2542% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,171,500 | 2,920 |
| Average earning assets | $215,707,000 | 2,890 |
| Average equity | $29,190,500 | 2,530 |
| Average total loans | $164,648,500 | 2,514 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 1,349 |
| Cost of funding earning assets | 0.7434% | 265 |
| Net interest margin | 3.2627% | 2,429 |
| Noninterest income to average assets | 0.1562% | 4,370 |
| Noninterest expense to average assets | 2.0689% | 3,476 |
| Loan and lease loss provision to assets | -0.2484% | 4,747 |
| Net operating income to assets | 1.1975% | 1,934 |
| Return on assets (ROA) | 1.2137% | 1,930 |
| Pretax return on assets | 1.4792% | 1,791 |
| Return on Equity (ROE) | 10.0156% | 2,511 |
| Retained earnings to average equity (ytd only) | 7.7090% | 1,658 |
| Net charge-offs to loans | 0.0081% | 2,279 |
| Credit loss provision to net charge-offs | -4,042.8571% | 4,144 |
| Earnings coverage of net charge-offs (x) | 197.1429% | 552 |
| Efficiency ratio | 63.0769% | 2,702 |
| Assets per employee ($millions) | 7.1471% | 1,834 |
| Cash dividends to net income (ytd only)* | 23.0296% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 4,104 |
| Loan loss allowance to noncurrent loans | 47.0949% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.3546% | 329 |
| Noncurrent loans to loans | 1.8749% | 430 |
| Net loans and leases to total assets | 71.6088% | 871 |
| Net loans and leases to deposits | 86.3555% | 760 |
| Net loans and leases to core deposits | 109.1055% | 302 |
| Total domestic deposits to total assets | 82.9232% | 3,825 |
| Equity capital to assets | 12.8640% | 940 |
| Core capital (leverage) ratio | 12.9132% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,893,400 | 2,860 |
| Average earning assets | $218,193,600 | 2,825 |
| Average equity | $27,617,000 | 2,675 |
| Average total loans | $172,389,000 | 2,441 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 1,441 |
| Cost of funding earning assets | 0.7854% | 259 |
| Net interest margin | 3.2581% | 2,552 |
| Noninterest income to average assets | 0.1411% | 4,496 |
| Noninterest expense to average assets | 2.0741% | 3,441 |
| Loan and lease loss provision to assets | -0.2126% | 4,763 |
| Net operating income to assets | 1.1308% | 2,434 |
| Return on assets (ROA) | 1.1436% | 2,454 |
| Pretax return on assets | 1.4194% | 2,256 |
| Return on Equity (ROE) | 9.5853% | 2,892 |
| Retained earnings to average equity (ytd only) | 9.4675% | 1,505 |
| Net charge-offs to loans | 0.0092% | 1,982 |
| Credit loss provision to net charge-offs | -3,025.0000% | 4,071 |
| Earnings coverage of net charge-offs (x) | 169.5000% | 621 |
| Efficiency ratio | 63.5222% | 2,465 |
| Assets per employee ($millions) | 8.1208% | 1,224 |
| Cash dividends to net income (ytd only)* | 1.2289% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,991 |
| Loan loss allowance to noncurrent loans | 52.4756% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.3465% | 410 |
| Noncurrent loans to loans | 1.8189% | 525 |
| Net loans and leases to total assets | 73.3191% | 744 |
| Net loans and leases to deposits | 89.7382% | 622 |
| Net loans and leases to core deposits | 112.7606% | 278 |
| Total domestic deposits to total assets | 81.7033% | 3,975 |
| Equity capital to assets | 12.4797% | 1,180 |
| Core capital (leverage) ratio | 12.5553% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,689,750 | 2,889 |
| Average earning assets | $218,320,250 | 2,848 |
| Average equity | $27,166,000 | 2,739 |
| Average total loans | $174,177,750 | 2,472 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 1,416 |
| Cost of funding earning assets | 0.8528% | 228 |
| Net interest margin | 3.2129% | 2,717 |
| Noninterest income to average assets | 0.1288% | 4,559 |
| Noninterest expense to average assets | 2.0819% | 3,446 |
| Loan and lease loss provision to assets | -0.0329% | 4,473 |
| Net operating income to assets | 0.9420% | 3,084 |
| Return on assets (ROA) | 0.9614% | 3,111 |
| Pretax return on assets | 1.1835% | 2,958 |
| Return on Equity (ROE) | 8.1893% | 3,355 |
| Retained earnings to average equity (ytd only) | 8.1136% | 2,034 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8851% | 2,314 |
| Assets per employee ($millions) | 8.3356% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.9242% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 3,251 |
| Loan loss allowance to noncurrent loans | 65.8553% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.3025% | 496 |
| Noncurrent loans to loans | 1.7292% | 607 |
| Net loans and leases to total assets | 74.4645% | 714 |
| Net loans and leases to deposits | 90.8173% | 598 |
| Net loans and leases to core deposits | 118.8306% | 233 |
| Total domestic deposits to total assets | 81.9938% | 3,923 |
| Equity capital to assets | 11.8326% | 1,443 |
| Core capital (leverage) ratio | 11.6725% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,085,667 | 2,903 |
| Average earning assets | $215,752,667 | 2,867 |
| Average equity | $26,424,667 | 2,790 |
| Average total loans | $174,126,333 | 2,479 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 1,378 |
| Cost of funding earning assets | 0.9360% | 188 |
| Net interest margin | 3.1655% | 2,798 |
| Noninterest income to average assets | 0.1430% | 4,490 |
| Noninterest expense to average assets | 2.1455% | 3,285 |
| Loan and lease loss provision to assets | 0.1792% | 691 |
| Net operating income to assets | 0.7061% | 3,688 |
| Return on assets (ROA) | 0.7061% | 3,751 |
| Pretax return on assets | 0.8491% | 3,726 |
| Return on Equity (ROE) | 6.0398% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.0244% | 2,889 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5984% | 1,995 |
| Assets per employee ($millions) | 8.8715% | 873 |
| Cash dividends to net income (ytd only)* | 0.2564% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,750 |
| Loan loss allowance to noncurrent loans | 69.4057% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.3883% | 486 |
| Noncurrent loans to loans | 1.7749% | 662 |
| Net loans and leases to total assets | 77.2552% | 519 |
| Net loans and leases to deposits | 98.9907% | 320 |
| Net loans and leases to core deposits | 123.6341% | 212 |
| Total domestic deposits to total assets | 78.0429% | 4,430 |
| Equity capital to assets | 11.6986% | 1,437 |
| Core capital (leverage) ratio | 12.0144% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,930,000 | 2,919 |
| Average earning assets | $211,528,000 | 2,879 |
| Average equity | $25,828,500 | 2,809 |
| Average total loans | $173,289,500 | 2,489 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 904 |
| Cost of funding earning assets | 1.4596% | 99 |
| Net interest margin | 3.2331% | 3,267 |
| Noninterest income to average assets | 0.2007% | 4,271 |
| Noninterest expense to average assets | 1.9101% | 4,305 |
| Loan and lease loss provision to assets | 0.4547% | 610 |
| Net operating income to assets | 0.7820% | 3,165 |
| Return on assets (ROA) | 0.8190% | 3,142 |
| Pretax return on assets | 0.9822% | 3,098 |
| Return on Equity (ROE) | 7.5727% | 2,973 |
| Retained earnings to average equity (ytd only) | 5.8233% | 1,885 |
| Net charge-offs to loans | 0.2835% | 605 |
| Credit loss provision to net charge-offs | 208.2828% | 2,124 |
| Earnings coverage of net charge-offs (x) | 6.3778% | 2,787 |
| Efficiency ratio | 57.8392% | 3,747 |
| Assets per employee ($millions) | 8.8029% | 793 |
| Cash dividends to net income (ytd only)* | 23.1018% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 3,067 |
| Loan loss allowance to noncurrent loans | 64.4937% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 527 |
| Noncurrent loans to loans | 1.8255% | 676 |
| Net loans and leases to total assets | 77.7297% | 622 |
| Net loans and leases to deposits | 103.2914% | 272 |
| Net loans and leases to core deposits | 135.5892% | 155 |
| Total domestic deposits to total assets | 75.2528% | 4,559 |
| Equity capital to assets | 11.6829% | 1,743 |
| Core capital (leverage) ratio | 11.5312% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,746,800 | 2,750 |
| Average earning assets | $217,531,400 | 2,688 |
| Average equity | $24,522,200 | 2,840 |
| Average total loans | $174,596,200 | 2,448 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 2,456 |
| Cost of funding earning assets | 1.5625% | 95 |
| Net interest margin | 2.6123% | 4,558 |
| Noninterest income to average assets | 0.6586% | 1,952 |
| Noninterest expense to average assets | 1.8600% | 4,396 |
| Loan and lease loss provision to assets | 0.8756% | 187 |
| Net operating income to assets | 0.3821% | 4,298 |
| Return on assets (ROA) | 0.4267% | 4,276 |
| Pretax return on assets | 0.4797% | 4,318 |
| Return on Equity (ROE) | 4.0288% | 4,148 |
| Retained earnings to average equity (ytd only) | 3.9132% | 3,094 |
| Net charge-offs to loans | 0.3780% | 420 |
| Credit loss provision to net charge-offs | 302.2133% | 1,751 |
| Earnings coverage of net charge-offs (x) | 4.5050% | 2,816 |
| Efficiency ratio | 58.7661% | 3,560 |
| Assets per employee ($millions) | 11.8462% | 331 |
| Cash dividends to net income (ytd only)* | 2.8689% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 2,066 |
| Loan loss allowance to noncurrent loans | 59.9331% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.7655% | 435 |
| Noncurrent loans to loans | 2.2100% | 524 |
| Net loans and leases to total assets | 78.8291% | 739 |
| Net loans and leases to deposits | 111.4529% | 205 |
| Net loans and leases to core deposits | 152.3543% | 106 |
| Total domestic deposits to total assets | 70.7286% | 4,733 |
| Equity capital to assets | 10.5679% | 2,733 |
| Core capital (leverage) ratio | 10.6510% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,745,750 | 2,709 |
| Average earning assets | $219,470,750 | 2,662 |
| Average equity | $24,225,000 | 2,856 |
| Average total loans | $175,300,750 | 2,442 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 2,584 |
| Cost of funding earning assets | 1.6513% | 92 |
| Net interest margin | 2.6075% | 4,648 |
| Noninterest income to average assets | 1.3132% | 596 |
| Noninterest expense to average assets | 1.9591% | 4,310 |
| Loan and lease loss provision to assets | 1.3291% | 111 |
| Net operating income to assets | 0.4666% | 4,092 |
| Return on assets (ROA) | 0.5336% | 4,003 |
| Pretax return on assets | 0.6035% | 4,056 |
| Return on Equity (ROE) | 4.9863% | 3,831 |
| Retained earnings to average equity (ytd only) | 4.8953% | 2,522 |
| Net charge-offs to loans | 0.0164% | 2,405 |
| Credit loss provision to net charge-offs | 10,728.5714% | 112 |
| Earnings coverage of net charge-offs (x) | 149.8571% | 534 |
| Efficiency ratio | 51.3451% | 4,408 |
| Assets per employee ($millions) | 12.3253% | 300 |
| Cash dividends to net income (ytd only)* | 1.8242% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,064 |
| Loan loss allowance to noncurrent loans | 59.4552% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.0401% | 341 |
| Noncurrent loans to loans | 2.6504% | 419 |
| Net loans and leases to total assets | 75.7624% | 1,171 |
| Net loans and leases to deposits | 106.9278% | 296 |
| Net loans and leases to core deposits | 155.0979% | 90 |
| Total domestic deposits to total assets | 70.8537% | 4,758 |
| Equity capital to assets | 10.1296% | 3,086 |
| Core capital (leverage) ratio | 10.5468% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,019,667 | 2,711 |
| Average earning assets | $216,915,333 | 2,655 |
| Average equity | $24,186,333 | 2,841 |
| Average total loans | $170,643,667 | 2,465 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 2,291 |
| Cost of funding earning assets | 1.8322% | 71 |
| Net interest margin | 2.6777% | 4,683 |
| Noninterest income to average assets | 0.2577% | 3,999 |
| Noninterest expense to average assets | 2.0150% | 4,370 |
| Loan and lease loss provision to assets | 2.6490% | 38 |
| Net operating income to assets | -1.4067% | 5,019 |
| Return on assets (ROA) | -1.3495% | 4,999 |
| Pretax return on assets | -1.7685% | 5,012 |
| Return on Equity (ROE) | -12.2381% | 5,018 |
| Retained earnings to average equity (ytd only) | -12.2381% | 4,836 |
| Net charge-offs to loans | 0.0050% | 2,403 |
| Credit loss provision to net charge-offs | 71,450.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 321 |
| Efficiency ratio | 71.3723% | 2,172 |
| Assets per employee ($millions) | 9.5148% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8127% | 695 |
| Loan loss allowance to noncurrent loans | 45.5805% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 3.0699% | 187 |
| Noncurrent loans to loans | 3.9770% | 197 |
| Net loans and leases to total assets | 75.7918% | 1,335 |
| Net loans and leases to deposits | 97.5660% | 775 |
| Net loans and leases to core deposits | 155.4970% | 93 |
| Total domestic deposits to total assets | 77.6827% | 4,268 |
| Equity capital to assets | 11.2107% | 2,670 |
| Core capital (leverage) ratio | 10.4088% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,777,000 | 2,741 |
| Average earning assets | $206,748,000 | 2,689 |
| Average equity | $23,794,500 | 2,865 |
| Average total loans | $161,091,500 | 2,532 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 3,180 |
| Cost of funding earning assets | 1.9268% | 83 |
| Net interest margin | 2.4971% | 4,969 |
| Noninterest income to average assets | 0.4496% | 3,010 |
| Noninterest expense to average assets | 1.6679% | 4,904 |
| Loan and lease loss provision to assets | 0.4762% | 271 |
| Net operating income to assets | 0.6275% | 4,080 |
| Return on assets (ROA) | 0.6792% | 3,998 |
| Pretax return on assets | 0.7508% | 4,079 |
| Return on Equity (ROE) | 6.2454% | 3,834 |
| Retained earnings to average equity (ytd only) | 5.0764% | 2,380 |
| Net charge-offs to loans | 0.3343% | 620 |
| Credit loss provision to net charge-offs | 193.8976% | 1,363 |
| Earnings coverage of net charge-offs (x) | 4.7618% | 3,173 |
| Efficiency ratio | 58.7834% | 3,869 |
| Assets per employee ($millions) | 8.2307% | 656 |
| Cash dividends to net income (ytd only)* | 18.7189% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 3,813 |
| Loan loss allowance to noncurrent loans | 23.1862% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.9150% | 187 |
| Noncurrent loans to loans | 4.0336% | 166 |
| Net loans and leases to total assets | 71.5931% | 2,152 |
| Net loans and leases to deposits | 93.6725% | 1,188 |
| Net loans and leases to core deposits | 149.4135% | 119 |
| Total domestic deposits to total assets | 76.4292% | 4,558 |
| Equity capital to assets | 10.8546% | 3,135 |
| Core capital (leverage) ratio | 10.5411% | 2,911 |
| Tier 1 risk-based capital ratio | 13.6014% | 3,458 |
| Total risk-based capital ratio | 14.4907% | 3,548 |
| Memoranda: | ||
| Average total assets | $206,852,200 | 2,786 |
| Average earning assets | $197,791,800 | 2,725 |
| Average equity | $22,496,400 | 2,918 |
| Average total loans | $151,959,800 | 2,595 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 3,387 |
| Cost of funding earning assets | 1.9294% | 84 |
| Net interest margin | 2.4616% | 5,085 |
| Noninterest income to average assets | 0.4998% | 2,733 |
| Noninterest expense to average assets | 1.6886% | 4,934 |
| Loan and lease loss provision to assets | 0.5681% | 207 |
| Net operating income to assets | 0.4985% | 4,518 |
| Return on assets (ROA) | 0.5642% | 4,424 |
| Pretax return on assets | 0.6725% | 4,404 |
| Return on Equity (ROE) | 5.1847% | 4,280 |
| Retained earnings to average equity (ytd only) | 4.8286% | 2,970 |
| Net charge-offs to loans | 0.3765% | 445 |
| Credit loss provision to net charge-offs | 204.4917% | 1,291 |
| Earnings coverage of net charge-offs (x) | 4.1844% | 3,035 |
| Efficiency ratio | 59.2260% | 3,779 |
| Assets per employee ($millions) | 8.2381% | 633 |
| Cash dividends to net income (ytd only)* | 6.8681% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 4,111 |
| Loan loss allowance to noncurrent loans | 22.9878% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.9815% | 190 |
| Noncurrent loans to loans | 3.8475% | 188 |
| Net loans and leases to total assets | 76.8056% | 1,345 |
| Net loans and leases to deposits | 97.5209% | 870 |
| Net loans and leases to core deposits | 155.5018% | 102 |
| Total domestic deposits to total assets | 78.7581% | 4,221 |
| Equity capital to assets | 10.8082% | 3,286 |
| Core capital (leverage) ratio | 10.8232% | 2,814 |
| Tier 1 risk-based capital ratio | 12.1505% | 4,340 |
| Total risk-based capital ratio | 13.8746% | 3,945 |
| Memoranda: | ||
| Average total assets | $203,008,250 | 2,837 |
| Average earning assets | $193,904,500 | 2,782 |
| Average equity | $22,090,000 | 2,978 |
| Average total loans | $149,799,250 | 2,649 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 3,337 |
| Cost of funding earning assets | 1.9409% | 72 |
| Net interest margin | 2.4574% | 5,148 |
| Noninterest income to average assets | 0.2559% | 4,223 |
| Noninterest expense to average assets | 1.8165% | 4,861 |
| Loan and lease loss provision to assets | 0.4938% | 238 |
| Net operating income to assets | 0.2720% | 4,911 |
| Return on assets (ROA) | 0.2720% | 4,923 |
| Pretax return on assets | 0.2900% | 4,940 |
| Return on Equity (ROE) | 2.4935% | 4,874 |
| Retained earnings to average equity (ytd only) | 1.9414% | 4,133 |
| Net charge-offs to loans | 0.5734% | 266 |
| Credit loss provision to net charge-offs | 118.8406% | 1,755 |
| Earnings coverage of net charge-offs (x) | 1.8865% | 2,984 |
| Efficiency ratio | 69.8572% | 2,243 |
| Assets per employee ($millions) | 7.2935% | 887 |
| Cash dividends to net income (ytd only)* | 22.1402% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7605% | 4,582 |
| Loan loss allowance to noncurrent loans | 34.5130% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.6214% | 663 |
| Noncurrent loans to loans | 2.2034% | 612 |
| Net loans and leases to total assets | 73.0277% | 2,052 |
| Net loans and leases to deposits | 91.7863% | 1,516 |
| Net loans and leases to core deposits | 150.2973% | 132 |
| Total domestic deposits to total assets | 79.5627% | 4,125 |
| Equity capital to assets | 11.3648% | 2,731 |
| Core capital (leverage) ratio | 10.4493% | 3,142 |
| Tier 1 risk-based capital ratio | 13.2835% | 3,699 |
| Total risk-based capital ratio | 15.1389% | 3,279 |
| Memoranda: | ||
| Average total assets | $199,281,000 | 2,878 |
| Average earning assets | $190,117,000 | 2,828 |
| Average equity | $21,736,670 | 3,001 |
| Average total loans | $144,406,330 | 2,713 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 3,739 |
| Cost of funding earning assets | 1.8457% | 88 |
| Net interest margin | 2.3967% | 5,227 |
| Noninterest income to average assets | 0.1556% | 4,808 |
| Noninterest expense to average assets | 1.7620% | 4,955 |
| Loan and lease loss provision to assets | 0.9279% | 94 |
| Net operating income to assets | -0.1317% | 5,190 |
| Return on assets (ROA) | -0.1317% | 5,188 |
| Pretax return on assets | -0.2514% | 5,206 |
| Return on Equity (ROE) | -1.2328% | 5,197 |
| Retained earnings to average equity (ytd only) | -1.7931% | 4,728 |
| Net charge-offs to loans | 1.0739% | 125 |
| Credit loss provision to net charge-offs | 120.1550% | 1,412 |
| Earnings coverage of net charge-offs (x) | 0.8760% | 2,639 |
| Efficiency ratio | 72.2586% | 1,996 |
| Assets per employee ($millions) | 7.9531% | 683 |
| Cash dividends to net income (ytd only)* | -45.4545% | 5,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 4,659 |
| Loan loss allowance to noncurrent loans | 34.1592% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.5616% | 749 |
| Noncurrent loans to loans | 2.1963% | 647 |
| Net loans and leases to total assets | 70.5658% | 2,395 |
| Net loans and leases to deposits | 89.3907% | 1,701 |
| Net loans and leases to core deposits | 145.4999% | 144 |
| Total domestic deposits to total assets | 78.9409% | 4,363 |
| Equity capital to assets | 10.3820% | 3,440 |
| Core capital (leverage) ratio | 10.4516% | 3,105 |
| Tier 1 risk-based capital ratio | 12.6978% | 4,044 |
| Total risk-based capital ratio | 15.5191% | 3,136 |
| Memoranda: | ||
| Average total assets | $200,459,500 | 2,900 |
| Average earning assets | $190,928,500 | 2,842 |
| Average equity | $21,415,000 | 3,033 |
| Average total loans | $144,154,000 | 2,750 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 2,822 |
| Cost of funding earning assets | 1.5071% | 86 |
| Net interest margin | 2.8744% | 4,945 |
| Noninterest income to average assets | 0.3320% | 3,885 |
| Noninterest expense to average assets | 2.1559% | 4,438 |
| Loan and lease loss provision to assets | -0.1439% | 5,298 |
| Net operating income to assets | 0.9404% | 3,286 |
| Return on assets (ROA) | 0.9404% | 3,275 |
| Pretax return on assets | 1.0622% | 3,405 |
| Return on Equity (ROE) | 8.4510% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.9057% | 1,282 |
| Net charge-offs to loans | 0.3142% | 619 |
| Credit loss provision to net charge-offs | -60.5568% | 4,346 |
| Earnings coverage of net charge-offs (x) | 3.8631% | 3,372 |
| Efficiency ratio | 70.1292% | 2,156 |
| Assets per employee ($millions) | 6.9335% | 1,004 |
| Cash dividends to net income (ytd only)* | 6.4516% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 4,748 |
| Loan loss allowance to noncurrent loans | 21.1123% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.5374% | 294 |
| Noncurrent loans to loans | 3.4362% | 264 |
| Net loans and leases to total assets | 72.2493% | 2,219 |
| Net loans and leases to deposits | 93.5343% | 1,330 |
| Net loans and leases to core deposits | 146.4791% | 154 |
| Total domestic deposits to total assets | 77.2436% | 4,596 |
| Equity capital to assets | 11.0035% | 2,684 |
| Core capital (leverage) ratio | 10.9285% | 2,598 |
| Tier 1 risk-based capital ratio | 13.0415% | 3,826 |
| Total risk-based capital ratio | 15.8762% | 2,927 |
| Memoranda: | ||
| Average total assets | $181,314,400 | 3,040 |
| Average earning assets | $172,975,600 | 2,993 |
| Average equity | $20,175,200 | 3,071 |
| Average total loans | $137,160,400 | 2,803 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 2,640 |
| Cost of funding earning assets | 1.3929% | 99 |
| Net interest margin | 3.0028% | 4,839 |
| Noninterest income to average assets | 0.1886% | 4,845 |
| Noninterest expense to average assets | 2.1821% | 4,359 |
| Loan and lease loss provision to assets | -0.0195% | 5,234 |
| Net operating income to assets | 0.7246% | 4,152 |
| Return on assets (ROA) | 0.7246% | 4,162 |
| Pretax return on assets | 0.8953% | 4,037 |
| Return on Equity (ROE) | 6.4926% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.8487% | 2,732 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3586% | 1,985 |
| Assets per employee ($millions) | 6.3644% | 1,254 |
| Cash dividends to net income (ytd only)* | 9.9176% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,472 |
| Loan loss allowance to noncurrent loans | 31.8276% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.9377% | 251 |
| Noncurrent loans to loans | 3.8546% | 228 |
| Net loans and leases to total assets | 73.7647% | 2,022 |
| Net loans and leases to deposits | 93.3677% | 1,455 |
| Net loans and leases to core deposits | 139.8147% | 210 |
| Total domestic deposits to total assets | 79.0045% | 4,317 |
| Equity capital to assets | 11.0610% | 2,605 |
| Core capital (leverage) ratio | 9.7538% | 3,895 |
| Tier 1 risk-based capital ratio | 11.2651% | 4,920 |
| Total risk-based capital ratio | 15.9265% | 2,957 |
| Memoranda: | ||
| Average total assets | $178,108,250 | 3,096 |
| Average earning assets | $170,195,250 | 3,051 |
| Average equity | $19,878,500 | 3,123 |
| Average total loans | $136,128,250 | 2,831 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 2,124 |
| Cost of funding earning assets | 1.3249% | 102 |
| Net interest margin | 3.1635% | 4,586 |
| Noninterest income to average assets | 0.2160% | 4,731 |
| Noninterest expense to average assets | 2.2369% | 4,287 |
| Loan and lease loss provision to assets | -0.0421% | 5,366 |
| Net operating income to assets | 0.8411% | 3,714 |
| Return on assets (ROA) | 0.8411% | 3,714 |
| Pretax return on assets | 1.0446% | 3,529 |
| Return on Equity (ROE) | 7.5128% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.8631% | 2,137 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0526% | 2,480 |
| Assets per employee ($millions) | 6.2686% | 1,286 |
| Cash dividends to net income (ytd only)* | 8.6486% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,481 |
| Loan loss allowance to noncurrent loans | 55.2268% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.7333% | 700 |
| Noncurrent loans to loans | 2.2476% | 611 |
| Net loans and leases to total assets | 73.5269% | 2,025 |
| Net loans and leases to deposits | 88.9420% | 1,992 |
| Net loans and leases to core deposits | 131.2519% | 308 |
| Total domestic deposits to total assets | 82.6683% | 3,505 |
| Equity capital to assets | 11.0398% | 2,600 |
| Core capital (leverage) ratio | 9.2427% | 4,423 |
| Tier 1 risk-based capital ratio | 11.3403% | 4,877 |
| Total risk-based capital ratio | 16.6074% | 2,640 |
| Memoranda: | ||
| Average total assets | $175,955,000 | 3,136 |
| Average earning assets | $168,165,670 | 3,088 |
| Average equity | $19,699,670 | 3,157 |
| Average total loans | $135,558,670 | 2,848 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 2,259 |
| Cost of funding earning assets | 1.2117% | 134 |
| Net interest margin | 3.1707% | 4,552 |
| Noninterest income to average assets | 0.0994% | 5,332 |
| Noninterest expense to average assets | 2.3024% | 4,190 |
| Loan and lease loss provision to assets | 0.1479% | 1,229 |
| Net operating income to assets | 0.5525% | 4,565 |
| Return on assets (ROA) | 0.5525% | 4,567 |
| Pretax return on assets | 0.6796% | 4,498 |
| Return on Equity (ROE) | 4.8988% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.2429% | 3,492 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5598% | 1,955 |
| Assets per employee ($millions) | 6.3806% | 1,267 |
| Cash dividends to net income (ytd only)* | 13.3891% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,446 |
| Loan loss allowance to noncurrent loans | 58.3361% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.7699% | 694 |
| Noncurrent loans to loans | 2.1644% | 702 |
| Net loans and leases to total assets | 77.9561% | 1,245 |
| Net loans and leases to deposits | 93.6938% | 1,256 |
| Net loans and leases to core deposits | 152.5371% | 110 |
| Total domestic deposits to total assets | 83.2030% | 3,601 |
| Equity capital to assets | 10.9428% | 2,641 |
| Core capital (leverage) ratio | 9.6471% | 3,909 |
| Tier 1 risk-based capital ratio | 10.9208% | 5,176 |
| Total risk-based capital ratio | 16.1496% | 2,850 |
| Memoranda: | ||
| Average total assets | $173,038,500 | 3,208 |
| Average earning assets | $165,391,500 | 3,145 |
| Average equity | $19,515,000 | 3,198 |
| Average total loans | $135,666,500 | 2,864 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,270 |
| Cost of funding earning assets | 1.0401% | 177 |
| Net interest margin | 3.2750% | 4,233 |
| Noninterest income to average assets | 0.4078% | 3,581 |
| Noninterest expense to average assets | 2.3344% | 4,246 |
| Loan and lease loss provision to assets | 0.3441% | 465 |
| Net operating income to assets | 0.5465% | 4,235 |
| Return on assets (ROA) | 0.5474% | 4,263 |
| Pretax return on assets | 0.8407% | 4,121 |
| Return on Equity (ROE) | 4.4098% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.7112% | 3,005 |
| Net charge-offs to loans | 0.3730% | 678 |
| Credit loss provision to net charge-offs | 123.3010% | 2,120 |
| Earnings coverage of net charge-offs (x) | 4.2403% | 3,496 |
| Efficiency ratio | 66.3586% | 3,198 |
| Assets per employee ($millions) | 6.2007% | 1,384 |
| Cash dividends to net income (ytd only)* | 15.8416% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,126 |
| Loan loss allowance to noncurrent loans | 69.1224% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.5488% | 864 |
| Noncurrent loans to loans | 1.9067% | 814 |
| Net loans and leases to total assets | 76.7895% | 1,465 |
| Net loans and leases to deposits | 93.6651% | 1,309 |
| Net loans and leases to core deposits | 153.0069% | 118 |
| Total domestic deposits to total assets | 81.9830% | 3,875 |
| Equity capital to assets | 11.6354% | 2,092 |
| Core capital (leverage) ratio | 9.9791% | 3,484 |
| Tier 1 risk-based capital ratio | 11.3436% | 4,953 |
| Total risk-based capital ratio | 16.7993% | 2,540 |
| Memoranda: | ||
| Average total assets | $147,619,600 | 3,496 |
| Average earning assets | $140,183,600 | 3,450 |
| Average equity | $18,323,000 | 3,322 |
| Average total loans | $110,462,600 | 3,171 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 2,503 |
| Cost of funding earning assets | 0.9729% | 220 |
| Net interest margin | 3.2609% | 4,295 |
| Noninterest income to average assets | 0.2972% | 4,406 |
| Noninterest expense to average assets | 2.3943% | 4,032 |
| Loan and lease loss provision to assets | 0.1121% | 1,914 |
| Net operating income to assets | 0.6257% | 4,294 |
| Return on assets (ROA) | 0.6271% | 4,339 |
| Pretax return on assets | 0.8841% | 4,090 |
| Return on Equity (ROE) | 4.9609% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.2512% | 3,371 |
| Net charge-offs to loans | 0.5206% | 393 |
| Credit loss provision to net charge-offs | 29.1262% | 3,087 |
| Earnings coverage of net charge-offs (x) | 2.5825% | 3,446 |
| Efficiency ratio | 70.6564% | 2,422 |
| Assets per employee ($millions) | 5.9489% | 1,534 |
| Cash dividends to net income (ytd only)* | 14.3074% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,392 |
| Loan loss allowance to noncurrent loans | 53.4594% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.7563% | 804 |
| Noncurrent loans to loans | 2.0912% | 794 |
| Net loans and leases to total assets | 73.1841% | 2,064 |
| Net loans and leases to deposits | 88.1977% | 2,031 |
| Net loans and leases to core deposits | 142.9897% | 174 |
| Total domestic deposits to total assets | 82.9773% | 3,458 |
| Equity capital to assets | 12.0931% | 1,903 |
| Core capital (leverage) ratio | 10.8905% | 2,559 |
| Tier 1 risk-based capital ratio | 12.3920% | 4,386 |
| Total risk-based capital ratio | 18.1065% | 2,155 |
| Memoranda: | ||
| Average total assets | $142,669,500 | 3,607 |
| Average earning assets | $135,257,000 | 3,549 |
| Average equity | $18,033,750 | 3,384 |
| Average total loans | $105,508,750 | 3,280 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,272 |
| Cost of funding earning assets | 0.9445% | 233 |
| Net interest margin | 3.3095% | 4,073 |
| Noninterest income to average assets | 0.3512% | 4,042 |
| Noninterest expense to average assets | 2.3953% | 4,058 |
| Loan and lease loss provision to assets | 0.2839% | 557 |
| Net operating income to assets | 0.5765% | 4,402 |
| Return on assets (ROA) | 0.5765% | 4,463 |
| Pretax return on assets | 0.8048% | 4,254 |
| Return on Equity (ROE) | 4.4848% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.7563% | 3,455 |
| Net charge-offs to loans | 1.1420% | 173 |
| Credit loss provision to net charge-offs | 33.6222% | 2,696 |
| Earnings coverage of net charge-offs (x) | 1.2894% | 3,298 |
| Efficiency ratio | 68.7526% | 2,882 |
| Assets per employee ($millions) | 5.8188% | 1,597 |
| Cash dividends to net income (ytd only)* | 16.2437% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 3,388 |
| Loan loss allowance to noncurrent loans | 40.4840% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 3.0027% | 306 |
| Noncurrent loans to loans | 2.8067% | 494 |
| Net loans and leases to total assets | 74.0471% | 1,854 |
| Net loans and leases to deposits | 91.2400% | 1,578 |
| Net loans and leases to core deposits | 128.5406% | 332 |
| Total domestic deposits to total assets | 81.1564% | 4,144 |
| Equity capital to assets | 13.1779% | 1,292 |
| Core capital (leverage) ratio | 11.4764% | 1,983 |
| Tier 1 risk-based capital ratio | 12.7694% | 4,141 |
| Total risk-based capital ratio | 18.6753% | 1,990 |
| Memoranda: | ||
| Average total assets | $136,685,670 | 3,715 |
| Average earning assets | $129,383,330 | 3,650 |
| Average equity | $17,570,330 | 3,460 |
| Average total loans | $101,052,330 | 3,380 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 2,509 |
| Cost of funding earning assets | 0.9255% | 247 |
| Net interest margin | 3.2156% | 4,289 |
| Noninterest income to average assets | 0.1119% | 5,549 |
| Noninterest expense to average assets | 2.6275% | 3,385 |
| Loan and lease loss provision to assets | -0.1935% | 5,789 |
| Net operating income to assets | 0.5322% | 4,455 |
| Return on assets (ROA) | 0.5322% | 4,497 |
| Pretax return on assets | 0.7347% | 4,332 |
| Return on Equity (ROE) | 4.1978% | 4,710 |
| Retained earnings to average equity (ytd only) | 3.4346% | 3,724 |
| Net charge-offs to loans | 1.3594% | 126 |
| Credit loss provision to net charge-offs | -19.3939% | 3,809 |
| Earnings coverage of net charge-offs (x) | 0.5424% | 2,810 |
| Efficiency ratio | 82.9198% | 1,070 |
| Assets per employee ($millions) | 5.2683% | 2,115 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,643 |
| Loan loss allowance to noncurrent loans | 45.6473% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 3.1289% | 305 |
| Noncurrent loans to loans | 2.7995% | 518 |
| Net loans and leases to total assets | 71.9691% | 2,078 |
| Net loans and leases to deposits | 85.1332% | 2,146 |
| Net loans and leases to core deposits | 113.1066% | 720 |
| Total domestic deposits to total assets | 84.5370% | 3,286 |
| Equity capital to assets | 12.8155% | 1,344 |
| Core capital (leverage) ratio | 10.4095% | 3,006 |
| Tier 1 risk-based capital ratio | 12.0088% | 4,713 |
| Total risk-based capital ratio | 18.4272% | 2,076 |
| Memoranda: | ||
| Average total assets | $132,293,000 | 3,809 |
| Average earning assets | $125,763,500 | 3,739 |
| Average equity | $16,770,500 | 3,574 |
| Average total loans | $97,101,000 | 3,463 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 2,267 |
| Cost of funding earning assets | 0.9085% | 281 |
| Net interest margin | 3.3526% | 3,992 |
| Noninterest income to average assets | 0.6048% | 2,634 |
| Noninterest expense to average assets | 2.2866% | 4,588 |
| Loan and lease loss provision to assets | 0.7456% | 153 |
| Net operating income to assets | 0.5609% | 4,384 |
| Return on assets (ROA) | 0.5609% | 4,485 |
| Pretax return on assets | 0.8064% | 4,168 |
| Return on Equity (ROE) | 4.1459% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.3603% | 3,529 |
| Net charge-offs to loans | 0.3827% | 704 |
| Credit loss provision to net charge-offs | 259.2375% | 1,116 |
| Earnings coverage of net charge-offs (x) | 5.3959% | 3,349 |
| Efficiency ratio | 59.5693% | 4,649 |
| Assets per employee ($millions) | 5.5458% | 1,830 |
| Cash dividends to net income (ytd only)* | 18.9474% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,355 |
| Loan loss allowance to noncurrent loans | 39.8534% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 3.1315% | 305 |
| Noncurrent loans to loans | 4.0301% | 255 |
| Net loans and leases to total assets | 72.5843% | 2,080 |
| Net loans and leases to deposits | 85.7200% | 2,219 |
| Net loans and leases to core deposits | 114.9546% | 659 |
| Total domestic deposits to total assets | 84.6761% | 3,180 |
| Equity capital to assets | 12.6297% | 1,440 |
| Core capital (leverage) ratio | 10.5266% | 2,853 |
| Tier 1 risk-based capital ratio | 12.4483% | 4,408 |
| Total risk-based capital ratio | 19.2523% | 1,810 |
| Memoranda: | ||
| Average total assets | $118,558,200 | 4,022 |
| Average earning assets | $114,359,200 | 3,921 |
| Average equity | $16,040,000 | 3,687 |
| Average total loans | $89,100,600 | 3,591 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 3,168 |
| Cost of funding earning assets | 0.8741% | 332 |
| Net interest margin | 3.1410% | 4,669 |
| Noninterest income to average assets | 0.5534% | 2,899 |
| Noninterest expense to average assets | 2.3528% | 4,403 |
| Loan and lease loss provision to assets | 0.5058% | 244 |
| Net operating income to assets | 0.5290% | 4,580 |
| Return on assets (ROA) | 0.5290% | 4,682 |
| Pretax return on assets | 0.7297% | 4,532 |
| Return on Equity (ROE) | 3.8364% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.0456% | 4,086 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5674% | 3,667 |
| Assets per employee ($millions) | 5.7453% | 1,623 |
| Cash dividends to net income (ytd only)* | 20.6142% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,750 |
| Loan loss allowance to noncurrent loans | 46.7706% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.6536% | 493 |
| Noncurrent loans to loans | 3.2179% | 444 |
| Net loans and leases to total assets | 76.1108% | 1,508 |
| Net loans and leases to deposits | 93.9775% | 1,259 |
| Net loans and leases to core deposits | 119.9559% | 505 |
| Total domestic deposits to total assets | 80.9883% | 4,249 |
| Equity capital to assets | 13.3849% | 1,298 |
| Core capital (leverage) ratio | 11.2979% | 2,191 |
| Tier 1 risk-based capital ratio | 12.5861% | 4,425 |
| Total risk-based capital ratio | 19.5240% | 1,816 |
| Memoranda: | ||
| Average total assets | $114,923,000 | 4,111 |
| Average earning assets | $111,044,250 | 4,013 |
| Average equity | $15,847,500 | 3,743 |
| Average total loans | $86,829,250 | 3,659 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2058% | 2,498 |
| Cost of funding earning assets | 0.8538% | 371 |
| Net interest margin | 3.3519% | 4,050 |
| Noninterest income to average assets | 0.7903% | 1,755 |
| Noninterest expense to average assets | 2.4105% | 4,304 |
| Loan and lease loss provision to assets | 0.3600% | 451 |
| Net operating income to assets | 0.8731% | 2,992 |
| Return on assets (ROA) | 0.8731% | 3,103 |
| Pretax return on assets | 1.2565% | 2,584 |
| Return on Equity (ROE) | 6.2618% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.4484% | 2,452 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8570% | 4,661 |
| Assets per employee ($millions) | 5.4400% | 1,855 |
| Cash dividends to net income (ytd only)* | 12.9897% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 2,319 |
| Loan loss allowance to noncurrent loans | 148.6747% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0198% | 2,100 |
| Noncurrent loans to loans | 0.9375% | 2,401 |
| Net loans and leases to total assets | 76.4152% | 1,424 |
| Net loans and leases to deposits | 93.1863% | 1,376 |
| Net loans and leases to core deposits | 134.7535% | 241 |
| Total domestic deposits to total assets | 82.0026% | 3,997 |
| Equity capital to assets | 14.9152% | 748 |
| Core capital (leverage) ratio | 12.5201% | 1,344 |
| Tier 1 risk-based capital ratio | 13.0339% | 4,182 |
| Total risk-based capital ratio | 20.0639% | 1,695 |
| Memoranda: | ||
| Average total assets | $111,098,670 | 4,208 |
| Average earning assets | $107,281,000 | 4,110 |
| Average equity | $15,490,670 | 3,802 |
| Average total loans | $83,215,330 | 3,776 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,776 |
| Cost of funding earning assets | 0.8700% | 341 |
| Net interest margin | 3.2493% | 4,401 |
| Noninterest income to average assets | 1.3622% | 596 |
| Noninterest expense to average assets | 2.2350% | 4,820 |
| Loan and lease loss provision to assets | 0.5624% | 204 |
| Net operating income to assets | 1.1613% | 1,670 |
| Return on assets (ROA) | 1.1613% | 1,779 |
| Pretax return on assets | 1.7018% | 1,063 |
| Return on Equity (ROE) | 8.6434% | 2,584 |
| Retained earnings to average equity (ytd only) | 7.8008% | 1,542 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6753% | 5,648 |
| Assets per employee ($millions) | 5.1929% | 2,148 |
| Cash dividends to net income (ytd only)* | 9.7484% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,419 |
| Loan loss allowance to noncurrent loans | 153.4884% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 2,172 |
| Noncurrent loans to loans | 0.9126% | 2,569 |
| Net loans and leases to total assets | 76.6859% | 1,295 |
| Net loans and leases to deposits | 94.2860% | 1,119 |
| Net loans and leases to core deposits | 157.4196% | 92 |
| Total domestic deposits to total assets | 81.3333% | 4,396 |
| Equity capital to assets | 15.4691% | 605 |
| Core capital (leverage) ratio | 12.6705% | 1,277 |
| Tier 1 risk-based capital ratio | 13.8924% | 3,763 |
| Total risk-based capital ratio | 21.4126% | 1,446 |
| Memoranda: | ||
| Average total assets | $109,528,500 | 4,271 |
| Average earning assets | $105,745,500 | 4,165 |
| Average equity | $14,716,500 | 3,904 |
| Average total loans | $80,558,000 | 3,843 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,109 |
| Cost of funding earning assets | 0.9270% | 250 |
| Net interest margin | 3.1245% | 4,845 |
| Noninterest income to average assets | 0.2776% | 4,900 |
| Noninterest expense to average assets | 2.4970% | 4,234 |
| Loan and lease loss provision to assets | 0.4411% | 279 |
| Net operating income to assets | 0.2679% | 5,442 |
| Return on assets (ROA) | 0.2679% | 5,522 |
| Pretax return on assets | 0.3529% | 5,418 |
| Return on Equity (ROE) | 1.9912% | 5,573 |
| Retained earnings to average equity (ytd only) | 1.6074% | 4,804 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8745% | 2,293 |
| Assets per employee ($millions) | 5.0003% | 2,360 |
| Cash dividends to net income (ytd only)* | 19.2771% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 2,644 |
| Loan loss allowance to noncurrent loans | 140.6803% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0872% | 2,021 |
| Noncurrent loans to loans | 0.9633% | 2,404 |
| Net loans and leases to total assets | 68.4211% | 2,641 |
| Net loans and leases to deposits | 83.5531% | 2,411 |
| Net loans and leases to core deposits | 148.4400% | 117 |
| Total domestic deposits to total assets | 81.8893% | 4,193 |
| Equity capital to assets | 11.4211% | 2,426 |
| Core capital (leverage) ratio | 11.7337% | 1,793 |
| Tier 1 risk-based capital ratio | 12.5208% | 4,619 |
| Total risk-based capital ratio | 18.2896% | 2,219 |
| Memoranda: | ||
| Average total assets | $92,950,800 | 4,604 |
| Average earning assets | $89,647,600 | 4,512 |
| Average equity | $12,505,000 | 4,218 |
| Average total loans | $67,826,800 | 4,150 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 2,932 |
| Cost of funding earning assets | 0.9618% | 211 |
| Net interest margin | 3.1379% | 4,856 |
| Noninterest income to average assets | 0.2841% | 4,915 |
| Noninterest expense to average assets | 2.6129% | 3,828 |
| Loan and lease loss provision to assets | 0.1368% | 1,634 |
| Net operating income to assets | 0.4014% | 5,158 |
| Return on assets (ROA) | 0.4014% | 5,246 |
| Pretax return on assets | 0.5608% | 5,069 |
| Return on Equity (ROE) | 2.8501% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.4658% | 4,636 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9282% | 1,818 |
| Assets per employee ($millions) | 4.3791% | 3,199 |
| Cash dividends to net income (ytd only)* | 13.4835% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 4,894 |
| Loan loss allowance to noncurrent loans | 80.1570% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6089% | 1,382 |
| Noncurrent loans to loans | 1.2107% | 2,113 |
| Net loans and leases to total assets | 75.7339% | 1,425 |
| Net loans and leases to deposits | 90.7815% | 1,552 |
| Net loans and leases to core deposits | 130.1754% | 274 |
| Total domestic deposits to total assets | 83.4243% | 3,642 |
| Equity capital to assets | 13.0808% | 1,410 |
| Core capital (leverage) ratio | 12.5191% | 1,409 |
| Tier 1 risk-based capital ratio | 12.7252% | 4,598 |
| Total risk-based capital ratio | 18.2159% | 2,337 |
| Memoranda: | ||
| Average total assets | $88,686,750 | 4,755 |
| Average earning assets | $85,533,500 | 4,649 |
| Average equity | $12,490,250 | 4,268 |
| Average total loans | $65,708,000 | 4,250 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 2,433 |
| Cost of funding earning assets | 1.0176% | 166 |
| Net interest margin | 3.2115% | 4,627 |
| Noninterest income to average assets | 0.3204% | 4,664 |
| Noninterest expense to average assets | 2.6261% | 3,828 |
| Loan and lease loss provision to assets | 0.1207% | 1,832 |
| Net operating income to assets | 0.4667% | 4,908 |
| Return on assets (ROA) | 0.4667% | 5,003 |
| Pretax return on assets | 0.6734% | 4,742 |
| Return on Equity (ROE) | 3.2281% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.8427% | 4,233 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7821% | 2,232 |
| Assets per employee ($millions) | 4.6227% | 2,795 |
| Cash dividends to net income (ytd only)* | 11.9403% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 4,584 |
| Loan loss allowance to noncurrent loans | 75.7848% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6765% | 1,424 |
| Noncurrent loans to loans | 1.3908% | 1,944 |
| Net loans and leases to total assets | 68.6403% | 2,545 |
| Net loans and leases to deposits | 82.8211% | 2,460 |
| Net loans and leases to core deposits | 120.8417% | 447 |
| Total domestic deposits to total assets | 82.8778% | 3,994 |
| Equity capital to assets | 13.5701% | 1,141 |
| Core capital (leverage) ratio | 12.4784% | 1,394 |
| Tier 1 risk-based capital ratio | 14.6313% | 3,561 |
| Total risk-based capital ratio | 20.9246% | 1,593 |
| Memoranda: | ||
| Average total assets | $86,135,670 | 4,854 |
| Average earning assets | $83,139,670 | 4,757 |
| Average equity | $12,453,000 | 4,295 |
| Average total loans | $63,051,670 | 4,369 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,398 |
| Cost of funding earning assets | 1.0548% | 131 |
| Net interest margin | 3.1593% | 4,753 |
| Noninterest income to average assets | 0.3133% | 4,686 |
| Noninterest expense to average assets | 2.5887% | 3,983 |
| Loan and lease loss provision to assets | 0.1398% | 1,471 |
| Net operating income to assets | 0.4098% | 5,035 |
| Return on assets (ROA) | 0.4098% | 5,145 |
| Pretax return on assets | 0.6315% | 4,824 |
| Return on Equity (ROE) | 2.7405% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.3536% | 4,514 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0445% | 2,333 |
| Assets per employee ($millions) | 3.9523% | 4,056 |
| Cash dividends to net income (ytd only)* | 14.1176% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 4,990 |
| Loan loss allowance to noncurrent loans | 291.5179% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 2,491 |
| Noncurrent loans to loans | 0.3446% | 4,556 |
| Net loans and leases to total assets | 77.5262% | 989 |
| Net loans and leases to deposits | 95.7900% | 840 |
| Net loans and leases to core deposits | 120.7129% | 395 |
| Total domestic deposits to total assets | 80.9335% | 4,838 |
| Equity capital to assets | 14.9930% | 720 |
| Core capital (leverage) ratio | 13.5644% | 951 |
| Tier 1 risk-based capital ratio | 14.0279% | 3,985 |
| Total risk-based capital ratio | 20.0889% | 1,872 |
| Memoranda: | ||
| Average total assets | $82,977,000 | 4,961 |
| Average earning assets | $80,018,000 | 4,867 |
| Average equity | $12,406,500 | 4,336 |
| Average total loans | $62,509,500 | 4,413 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,091 |
| Cost of funding earning assets | 1.0498% | 186 |
| Net interest margin | 3.1091% | 5,179 |
| Noninterest income to average assets | 0.6686% | 2,459 |
| Noninterest expense to average assets | 2.5974% | 4,232 |
| Loan and lease loss provision to assets | 0.1675% | 1,562 |
| Net operating income to assets | 0.6094% | 4,325 |
| Return on assets (ROA) | 0.6094% | 4,428 |
| Pretax return on assets | 0.9204% | 3,825 |
| Return on Equity (ROE) | 4.1361% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.7259% | 3,564 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4817% | 3,460 |
| Assets per employee ($millions) | 4.3661% | 3,241 |
| Cash dividends to net income (ytd only)* | 9.9174% | 4,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,855 |
| Loan loss allowance to noncurrent loans | 56.0647% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.1349% | 1,153 |
| Noncurrent loans to loans | 1.8544% | 1,534 |
| Net loans and leases to total assets | 71.6003% | 1,973 |
| Net loans and leases to deposits | 88.4474% | 1,680 |
| Net loans and leases to core deposits | 106.7793% | 966 |
| Total domestic deposits to total assets | 80.9523% | 4,763 |
| Equity capital to assets | 14.9105% | 716 |
| Core capital (leverage) ratio | 14.6794% | 668 |
| Tier 1 risk-based capital ratio | 19.6067% | 1,680 |
| Total risk-based capital ratio | 25.3587% | 920 |
| Memoranda: | ||
| Average total assets | $79,424,800 | 5,077 |
| Average earning assets | $77,065,200 | 4,954 |
| Average equity | $11,701,800 | 4,420 |
| Average total loans | $54,999,600 | 4,648 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1661% | 3,103 |
| Cost of funding earning assets | 1.0411% | 203 |
| Net interest margin | 3.1250% | 5,182 |
| Noninterest income to average assets | 0.2190% | 5,623 |
| Noninterest expense to average assets | 2.4615% | 4,637 |
| Loan and lease loss provision to assets | 0.1222% | 2,042 |
| Net operating income to assets | 0.4498% | 5,074 |
| Return on assets (ROA) | 0.4498% | 5,151 |
| Pretax return on assets | 0.6722% | 4,798 |
| Return on Equity (ROE) | 3.0630% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.6470% | 4,708 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5996% | 2,560 |
| Assets per employee ($millions) | 5.1964% | 2,023 |
| Cash dividends to net income (ytd only)* | 13.5854% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 5,243 |
| Loan loss allowance to noncurrent loans | 25.4521% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 3.3213% | 658 |
| Noncurrent loans to loans | 3.9069% | 559 |
| Net loans and leases to total assets | 63.4551% | 3,271 |
| Net loans and leases to deposits | 76.3973% | 3,138 |
| Net loans and leases to core deposits | 90.6291% | 2,164 |
| Total domestic deposits to total assets | 83.0594% | 4,122 |
| Equity capital to assets | 13.1891% | 1,336 |
| Core capital (leverage) ratio | 13.9024% | 870 |
| Tier 1 risk-based capital ratio | 18.6039% | 2,018 |
| Total risk-based capital ratio | 24.2980% | 1,086 |
| Memoranda: | ||
| Average total assets | $78,542,250 | 5,158 |
| Average earning assets | $76,328,000 | 5,031 |
| Average equity | $11,535,000 | 4,478 |
| Average total loans | $53,744,500 | 4,740 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 2,633 |
| Cost of funding earning assets | 1.0489% | 198 |
| Net interest margin | 3.2368% | 4,821 |
| Noninterest income to average assets | 0.2232% | 5,609 |
| Noninterest expense to average assets | 2.4868% | 4,619 |
| Loan and lease loss provision to assets | 0.1568% | 1,580 |
| Net operating income to assets | 0.4862% | 4,861 |
| Return on assets (ROA) | 0.4862% | 4,933 |
| Pretax return on assets | 0.7280% | 4,541 |
| Return on Equity (ROE) | 3.1836% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.7661% | 4,439 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7589% | 3,015 |
| Assets per employee ($millions) | 4.5795% | 2,800 |
| Cash dividends to net income (ytd only)* | 13.1148% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 5,446 |
| Loan loss allowance to noncurrent loans | 145.1187% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 2,314 |
| Noncurrent loans to loans | 0.6736% | 4,029 |
| Net loans and leases to total assets | 71.5649% | 1,818 |
| Net loans and leases to deposits | 88.4111% | 1,547 |
| Net loans and leases to core deposits | 107.8600% | 777 |
| Total domestic deposits to total assets | 80.9457% | 4,997 |
| Equity capital to assets | 14.8759% | 731 |
| Core capital (leverage) ratio | 15.1136% | 587 |
| Tier 1 risk-based capital ratio | 19.5199% | 1,796 |
| Total risk-based capital ratio | 25.5082% | 934 |
| Memoranda: | ||
| Average total assets | $75,277,000 | 5,267 |
| Average earning assets | $73,220,000 | 5,158 |
| Average equity | $11,496,330 | 4,499 |
| Average total loans | $52,786,670 | 4,799 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 3,260 |
| Cost of funding earning assets | 1.0344% | 235 |
| Net interest margin | 3.0699% | 5,336 |
| Noninterest income to average assets | 0.2541% | 5,332 |
| Noninterest expense to average assets | 2.4436% | 4,802 |
| Loan and lease loss provision to assets | 0.0432% | 3,231 |
| Net operating income to assets | 0.5028% | 4,674 |
| Return on assets (ROA) | 0.5028% | 4,759 |
| Pretax return on assets | 0.7515% | 4,305 |
| Return on Equity (ROE) | 3.2478% | 5,364 |
| Retained earnings to average equity (ytd only) | 2.8287% | 4,396 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4591% | 2,878 |
| Assets per employee ($millions) | 4.4251% | 3,098 |
| Cash dividends to net income (ytd only)* | 12.9032% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 5,647 |
| Loan loss allowance to noncurrent loans | 28.1285% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 3.4895% | 750 |
| Noncurrent loans to loans | 3.4362% | 862 |
| Net loans and leases to total assets | 67.9659% | 2,224 |
| Net loans and leases to deposits | 84.6154% | 1,761 |
| Net loans and leases to core deposits | 104.2046% | 847 |
| Total domestic deposits to total assets | 80.3233% | 5,419 |
| Equity capital to assets | 15.2846% | 630 |
| Core capital (leverage) ratio | 15.4586% | 544 |
| Tier 1 risk-based capital ratio | 21.0047% | 1,473 |
| Total risk-based capital ratio | 27.4056% | 765 |
| Memoranda: | ||
| Average total assets | $73,990,000 | 5,340 |
| Average earning assets | $71,924,500 | 5,227 |
| Average equity | $11,454,000 | 4,513 |
| Average total loans | $51,048,000 | 4,896 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 2,149 |
| Cost of funding earning assets | 1.2423% | 142 |
| Net interest margin | 3.2729% | 4,765 |
| Noninterest income to average assets | 0.3308% | 4,967 |
| Noninterest expense to average assets | 2.6347% | 4,336 |
| Loan and lease loss provision to assets | 0.2428% | 1,486 |
| Net operating income to assets | 0.4074% | 5,123 |
| Return on assets (ROA) | 0.4074% | 5,232 |
| Pretax return on assets | 0.6127% | 4,836 |
| Return on Equity (ROE) | 2.2159% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.7904% | 4,955 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4902% | 2,861 |
| Assets per employee ($millions) | 4.2796% | 3,302 |
| Cash dividends to net income (ytd only)* | 19.2000% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 5,690 |
| Loan loss allowance to noncurrent loans | 176.6187% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5518% | 2,400 |
| Noncurrent loans to loans | 0.5508% | 4,612 |
| Net loans and leases to total assets | 68.6945% | 2,223 |
| Net loans and leases to deposits | 86.0473% | 1,681 |
| Net loans and leases to core deposits | 105.6818% | 810 |
| Total domestic deposits to total assets | 79.8334% | 5,484 |
| Equity capital to assets | 15.6830% | 574 |
| Core capital (leverage) ratio | 15.8597% | 485 |
| Tier 1 risk-based capital ratio | 21.5277% | 1,334 |
| Total risk-based capital ratio | 28.1183% | 675 |
| Memoranda: | ||
| Average total assets | $61,372,200 | 5,719 |
| Average earning assets | $59,244,800 | 5,616 |
| Average equity | $11,282,200 | 4,581 |
| Average total loans | $41,361,000 | 5,291 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,994 |
| Cost of funding earning assets | 1.2999% | 121 |
| Net interest margin | 3.2640% | 4,774 |
| Noninterest income to average assets | 0.2346% | 5,752 |
| Noninterest expense to average assets | 2.7337% | 3,887 |
| Loan and lease loss provision to assets | 0.2415% | 1,487 |
| Net operating income to assets | 0.2711% | 5,708 |
| Return on assets (ROA) | 0.2711% | 5,815 |
| Pretax return on assets | 0.4055% | 5,607 |
| Return on Equity (ROE) | 1.4103% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.9836% | 5,586 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8625% | 1,985 |
| Assets per employee ($millions) | 3.7974% | 4,245 |
| Cash dividends to net income (ytd only)* | 30.2534% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 5,761 |
| Loan loss allowance to noncurrent loans | 77.6430% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.2120% | 1,801 |
| Noncurrent loans to loans | 1.2767% | 3,272 |
| Net loans and leases to total assets | 69.3119% | 2,081 |
| Net loans and leases to deposits | 89.4649% | 1,220 |
| Net loans and leases to core deposits | 120.1982% | 319 |
| Total domestic deposits to total assets | 77.4738% | 5,978 |
| Equity capital to assets | 17.4871% | 366 |
| Core capital (leverage) ratio | 18.1512% | 293 |
| Tier 1 risk-based capital ratio | 21.6811% | 1,367 |
| Total risk-based capital ratio | 28.3267% | 683 |
| Memoranda: | ||
| Average total assets | $58,526,750 | 5,857 |
| Average earning assets | $56,412,750 | 5,753 |
| Average equity | $11,250,250 | 4,634 |
| Average total loans | $39,084,000 | 5,440 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 1,684 |
| Cost of funding earning assets | 1.3424% | 119 |
| Net interest margin | 3.3136% | 4,518 |
| Noninterest income to average assets | 0.1380% | 6,363 |
| Noninterest expense to average assets | 2.8841% | 3,381 |
| Loan and lease loss provision to assets | 0.0955% | 3,199 |
| Net operating income to assets | 0.2336% | 5,812 |
| Return on assets (ROA) | 0.2336% | 5,937 |
| Pretax return on assets | 0.3468% | 5,757 |
| Return on Equity (ROE) | 1.1747% | 6,172 |
| Retained earnings to average equity (ytd only) | 0.7475% | 5,601 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7021% | 1,343 |
| Assets per employee ($millions) | 3.5588% | 4,733 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 6,127 |
| Loan loss allowance to noncurrent loans | 89.3462% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 2.2662% | 1,915 |
| Noncurrent loans to loans | 1.0102% | 3,912 |
| Net loans and leases to total assets | 66.9680% | 2,418 |
| Net loans and leases to deposits | 84.4731% | 1,739 |
| Net loans and leases to core deposits | 108.9640% | 604 |
| Total domestic deposits to total assets | 79.2773% | 5,758 |
| Equity capital to assets | 18.5904% | 284 |
| Core capital (leverage) ratio | 19.0531% | 230 |
| Tier 1 risk-based capital ratio | 24.3569% | 953 |
| Total risk-based capital ratio | 25.1600% | 993 |
| Memoranda: | ||
| Average total assets | $56,517,000 | 5,954 |
| Average earning assets | $54,381,670 | 5,850 |
| Average equity | $11,237,330 | 4,675 |
| Average total loans | $37,047,670 | 5,538 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 2,054 |
| Cost of funding earning assets | 1.3528% | 122 |
| Net interest margin | 3.1796% | 4,999 |
| Noninterest income to average assets | 0.1467% | 6,370 |
| Noninterest expense to average assets | 2.8684% | 3,467 |
| Loan and lease loss provision to assets | -0.2054% | 6,897 |
| Net operating income to assets | 0.3595% | 5,311 |
| Return on assets (ROA) | 0.3595% | 5,449 |
| Pretax return on assets | 0.5355% | 5,157 |
| Return on Equity (ROE) | 1.7449% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.3176% | 5,323 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6789% | 1,170 |
| Assets per employee ($millions) | 3.2075% | 5,611 |
| Cash dividends to net income (ytd only)* | 24.4898% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 6,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 2,656 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 64.7056% | 2,583 |
| Net loans and leases to deposits | 84.2294% | 1,568 |
| Net loans and leases to core deposits | 117.3173% | 322 |
| Total domestic deposits to total assets | 76.8207% | 6,267 |
| Equity capital to assets | 20.6338% | 194 |
| Core capital (leverage) ratio | 20.5942% | 166 |
| Tier 1 risk-based capital ratio | 28.0716% | 637 |
| Total risk-based capital ratio | 28.8580% | 652 |
| Memoranda: | ||
| Average total assets | $54,526,000 | 6,063 |
| Average earning assets | $52,334,000 | 5,974 |
| Average equity | $11,232,500 | 4,730 |
| Average total loans | $35,129,500 | 5,659 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1703% | 1,169 |
| Cost of funding earning assets | 1.4780% | 184 |
| Net interest margin | 3.6923% | 3,682 |
| Noninterest income to average assets | 0.8226% | 2,172 |
| Noninterest expense to average assets | 3.2632% | 2,445 |
| Loan and lease loss provision to assets | -0.0956% | 6,924 |
| Net operating income to assets | 0.8171% | 3,205 |
| Return on assets (ROA) | 0.8171% | 3,450 |
| Pretax return on assets | 1.2374% | 2,648 |
| Return on Equity (ROE) | 4.4175% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.1737% | 3,292 |
| Net charge-offs to loans | 0.7793% | 1,502 |
| Credit loss provision to net charge-offs | -16.9872% | 6,231 |
| Earnings coverage of net charge-offs (x) | 2.0288% | 4,400 |
| Efficiency ratio | 74.0786% | 3,058 |
| Assets per employee ($millions) | 3.2074% | 5,606 |
| Cash dividends to net income (ytd only)* | 5.5188% | 4,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 6,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7570% | 2,765 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.9454% | 3,067 |
| Net loans and leases to deposits | 82.0645% | 1,990 |
| Net loans and leases to core deposits | 116.5082% | 345 |
| Total domestic deposits to total assets | 76.7024% | 6,261 |
| Equity capital to assets | 20.5667% | 202 |
| Core capital (leverage) ratio | 20.4804% | 177 |
| Tier 1 risk-based capital ratio | 29.5319% | 533 |
| Total risk-based capital ratio | 30.4410% | 537 |
| Memoranda: | ||
| Average total assets | $55,436,600 | 6,036 |
| Average earning assets | $53,788,000 | 5,934 |
| Average equity | $10,254,600 | 4,922 |
| Average total loans | $40,035,600 | 5,503 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2373% | 1,123 |
| Cost of funding earning assets | 1.4908% | 211 |
| Net interest margin | 3.7466% | 3,573 |
| Noninterest income to average assets | 0.0168% | 6,898 |
| Noninterest expense to average assets | 3.3054% | 2,258 |
| Loan and lease loss provision to assets | 0.0096% | 5,689 |
| Net operating income to assets | 0.2323% | 5,834 |
| Return on assets (ROA) | 0.2323% | 6,016 |
| Pretax return on assets | 0.3497% | 5,840 |
| Return on Equity (ROE) | 1.2914% | 6,195 |
| Retained earnings to average equity (ytd only) | 1.1184% | 5,723 |
| Net charge-offs to loans | 0.7186% | 1,536 |
| Credit loss provision to net charge-offs | 1.7937% | 5,147 |
| Earnings coverage of net charge-offs (x) | 0.6727% | 4,989 |
| Efficiency ratio | 90.1961% | 1,026 |
| Assets per employee ($millions) | 3.2281% | 5,582 |
| Cash dividends to net income (ytd only)* | 13.3998% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 5,031 |
| Loan loss allowance to noncurrent loans | 548.3146% | 696 |
| Noncurrent assets plus other real estate owned to assets | 1.9079% | 2,774 |
| Noncurrent loans to loans | 0.2286% | 6,039 |
| Net loans and leases to total assets | 70.0663% | 1,895 |
| Net loans and leases to deposits | 90.1336% | 1,134 |
| Net loans and leases to core deposits | 119.0286% | 328 |
| Total domestic deposits to total assets | 77.7361% | 6,128 |
| Equity capital to assets | 19.8076% | 244 |
| Core capital (leverage) ratio | 19.0959% | 245 |
| Tier 1 risk-based capital ratio | 27.1596% | 730 |
| Total risk-based capital ratio | 28.3988% | 711 |
| Memoranda: | ||
| Average total assets | $55,664,500 | 6,099 |
| Average earning assets | $54,199,250 | 5,986 |
| Average equity | $10,014,750 | 5,023 |
| Average total loans | $41,378,750 | 5,508 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2363% | 1,169 |
| Cost of funding earning assets | 1.4929% | 246 |
| Net interest margin | 3.7433% | 3,623 |
| Noninterest income to average assets | 0.0215% | 6,940 |
| Noninterest expense to average assets | 3.0898% | 2,956 |
| Loan and lease loss provision to assets | 0.0393% | 5,179 |
| Net operating income to assets | 0.3648% | 5,356 |
| Return on assets (ROA) | 0.3648% | 5,582 |
| Pretax return on assets | 0.5507% | 5,308 |
| Return on Equity (ROE) | 2.0967% | 6,017 |
| Retained earnings to average equity (ytd only) | 2.0556% | 5,171 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9650% | 1,636 |
| Assets per employee ($millions) | 3.2723% | 5,507 |
| Cash dividends to net income (ytd only)* | 1.9608% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 3,069 |
| Loan loss allowance to noncurrent loans | 29.6205% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 4.3574% | 1,143 |
| Noncurrent loans to loans | 5.8768% | 768 |
| Net loans and leases to total assets | 72.8559% | 1,414 |
| Net loans and leases to deposits | 93.0439% | 850 |
| Net loans and leases to core deposits | 119.5123% | 322 |
| Total domestic deposits to total assets | 78.3027% | 6,100 |
| Equity capital to assets | 17.7713% | 361 |
| Core capital (leverage) ratio | 17.5522% | 321 |
| Tier 1 risk-based capital ratio | 23.9818% | 1,012 |
| Total risk-based capital ratio | 25.2374% | 994 |
| Memoranda: | ||
| Average total assets | $55,926,670 | 6,137 |
| Average earning assets | $54,657,330 | 6,010 |
| Average equity | $9,729,670 | 5,099 |
| Average total loans | $42,192,000 | 5,508 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 977 |
| Cost of funding earning assets | 1.5177% | 264 |
| Net interest margin | 3.8454% | 3,154 |
| Noninterest income to average assets | 0.0285% | 7,021 |
| Noninterest expense to average assets | 3.0530% | 3,072 |
| Loan and lease loss provision to assets | 0.0071% | 5,192 |
| Net operating income to assets | 0.5350% | 4,673 |
| Return on assets (ROA) | 0.5350% | 4,881 |
| Pretax return on assets | 0.7276% | 4,700 |
| Return on Equity (ROE) | 3.1083% | 5,680 |
| Retained earnings to average equity (ytd only) | 3.1083% | 4,700 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6026% | 2,131 |
| Assets per employee ($millions) | 2.8167% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 3,470 |
| Loan loss allowance to noncurrent loans | 50.7891% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 2.4745% | 2,389 |
| Noncurrent loans to loans | 3.2862% | 1,943 |
| Net loans and leases to total assets | 74.0441% | 1,054 |
| Net loans and leases to deposits | 92.6975% | 749 |
| Net loans and leases to core deposits | 123.1605% | 265 |
| Total domestic deposits to total assets | 79.8772% | 5,883 |
| Equity capital to assets | 17.2010% | 402 |
| Core capital (leverage) ratio | 17.2254% | 339 |
| Tier 1 risk-based capital ratio | 23.0639% | 1,121 |
| Total risk-based capital ratio | 24.3192% | 1,108 |
| Memoranda: | ||
| Average total assets | $56,075,500 | 6,172 |
| Average earning assets | $54,818,500 | 6,044 |
| Average equity | $9,651,500 | 5,131 |
| Average total loans | $42,664,500 | 5,521 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 3,693 |
| Cost of funding earning assets | 1.5735% | 527 |
| Net interest margin | 3.2497% | 5,963 |
| Noninterest income to average assets | 0.9804% | 1,422 |
| Noninterest expense to average assets | 1.9924% | 6,687 |
| Loan and lease loss provision to assets | 0.4660% | 2,274 |
| Net operating income to assets | 1.1269% | 1,733 |
| Return on assets (ROA) | 1.0568% | 2,121 |
| Pretax return on assets | 1.5992% | 1,201 |
| Return on Equity (ROE) | 6.1626% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.1626% | 1,920 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8514% | 6,956 |
| Assets per employee ($millions) | 2.9377% | 6,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 3,387 |
| Loan loss allowance to noncurrent loans | 50.7174% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 2.4974% | 2,433 |
| Noncurrent loans to loans | 3.2487% | 1,991 |
| Net loans and leases to total assets | 75.6078% | 1,005 |
| Net loans and leases to deposits | 95.1267% | 736 |
| Net loans and leases to core deposits | 127.9314% | 261 |
| Total domestic deposits to total assets | 79.4812% | 5,875 |
| Equity capital to assets | 17.2224% | 424 |
| Core capital (leverage) ratio | 17.2740% | 350 |
| Tier 1 risk-based capital ratio | 22.7786% | 1,123 |
| Total risk-based capital ratio | 24.0274% | 1,105 |
| Memoranda: | ||
| Average total assets | $53,653,400 | 6,242 |
| Average earning assets | $52,559,400 | 6,105 |
| Average equity | $9,200,600 | 5,228 |
| Average total loans | $34,578,800 | 5,932 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 4,875 |
| Cost of funding earning assets | 1.5734% | 657 |
| Net interest margin | 3.0240% | 6,535 |
| Noninterest income to average assets | 0.0301% | 7,019 |
| Noninterest expense to average assets | 2.0509% | 6,590 |
| Loan and lease loss provision to assets | 0.1180% | 4,958 |
| Net operating income to assets | 0.5488% | 4,325 |
| Return on assets (ROA) | 0.4544% | 4,945 |
| Pretax return on assets | 0.6853% | 4,535 |
| Return on Equity (ROE) | 2.6527% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.6527% | 4,766 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4255% | 4,231 |
| Assets per employee ($millions) | 2.9866% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 4,931 |
| Loan loss allowance to noncurrent loans | 42.4958% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.0901% | 3,041 |
| Noncurrent loans to loans | 3.0984% | 2,240 |
| Net loans and leases to total assets | 66.5680% | 2,769 |
| Net loans and leases to deposits | 81.8771% | 2,382 |
| Net loans and leases to core deposits | 108.6521% | 741 |
| Total domestic deposits to total assets | 81.3023% | 5,334 |
| Equity capital to assets | 16.2622% | 589 |
| Core capital (leverage) ratio | 17.8027% | 339 |
| Tier 1 risk-based capital ratio | 23.9379% | 1,016 |
| Total risk-based capital ratio | 25.1794% | 1,002 |
| Memoranda: | ||
| Average total assets | $53,112,500 | 6,307 |
| Average earning assets | $52,115,750 | 6,169 |
| Average equity | $9,097,500 | 5,279 |
| Average total loans | $32,496,250 | 6,102 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 5,865 |
| Cost of funding earning assets | 1.4158% | 1,349 |
| Net interest margin | 2.9257% | 6,745 |
| Noninterest income to average assets | 0.0308% | 7,116 |
| Noninterest expense to average assets | 2.0886% | 6,619 |
| Loan and lease loss provision to assets | -0.0848% | 7,420 |
| Net operating income to assets | 0.5958% | 4,083 |
| Return on assets (ROA) | 0.4509% | 4,854 |
| Pretax return on assets | 0.6821% | 4,455 |
| Return on Equity (ROE) | 2.5845% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.5845% | 4,650 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8833% | 3,759 |
| Assets per employee ($millions) | 2.6629% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 5,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 69.0325% | 2,406 |
| Net loans and leases to deposits | 86.5108% | 1,713 |
| Net loans and leases to core deposits | 121.4345% | 385 |
| Total domestic deposits to total assets | 79.7964% | 5,887 |
| Equity capital to assets | 18.1125% | 376 |
| Core capital (leverage) ratio | 17.1013% | 397 |
| Tier 1 risk-based capital ratio | 25.2093% | 884 |
| Total risk-based capital ratio | 26.4178% | 877 |
| Memoranda: | ||
| Average total assets | $51,901,670 | 6,416 |
| Average earning assets | $50,996,330 | 6,256 |
| Average equity | $9,054,000 | 5,309 |
| Average total loans | $30,569,000 | 6,253 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 6,712 |
| Cost of funding earning assets | 1.2999% | 2,174 |
| Net interest margin | 2.6927% | 7,023 |
| Noninterest income to average assets | 0.0304% | 7,216 |
| Noninterest expense to average assets | 1.9484% | 6,911 |
| Loan and lease loss provision to assets | 0.1827% | 3,789 |
| Net operating income to assets | 0.3684% | 5,085 |
| Return on assets (ROA) | 0.2664% | 5,617 |
| Pretax return on assets | 0.3958% | 5,355 |
| Return on Equity (ROE) | 1.5557% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.5557% | 5,182 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 3,728 |
| Assets per employee ($millions) | 2.7423% | 6,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 3,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 52.1351% | 5,563 |
| Net loans and leases to deposits | 65.0766% | 5,115 |
| Net loans and leases to core deposits | 102.8080% | 1,144 |
| Total domestic deposits to total assets | 80.1134% | 5,916 |
| Equity capital to assets | 16.4479% | 508 |
| Core capital (leverage) ratio | 17.3202% | 370 |
| Tier 1 risk-based capital ratio | 22.5013% | 1,145 |
| Total risk-based capital ratio | 23.7133% | 1,132 |
| Memoranda: | ||
| Average total assets | $52,555,000 | 6,438 |
| Average earning assets | $51,696,000 | 6,280 |
| Average equity | $8,999,000 | 5,331 |
| Average total loans | $28,172,500 | 6,408 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 6,803 |
| Cost of funding earning assets | 1.3127% | 3,800 |
| Net interest margin | 2.9784% | 6,775 |
| Noninterest income to average assets | 1.5966% | 569 |
| Noninterest expense to average assets | 2.1148% | 6,813 |
| Loan and lease loss provision to assets | 0.9187% | 1,778 |
| Net operating income to assets | 0.8264% | 2,685 |
| Return on assets (ROA) | 0.8716% | 2,640 |
| Pretax return on assets | 1.5259% | 1,308 |
| Return on Equity (ROE) | 3.9606% | 4,548 |
| Retained earnings to average equity (ytd only) | 3.9606% | 3,095 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1137% | 7,308 |
| Assets per employee ($millions) | 2.6455% | 6,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 3,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 53.3424% | 5,728 |
| Net loans and leases to deposits | 67.5008% | 5,165 |
| Net loans and leases to core deposits | 107.5060% | 1,089 |
| Total domestic deposits to total assets | 79.0247% | 6,071 |
| Equity capital to assets | 17.8597% | 386 |
| Core capital (leverage) ratio | 19.3597% | 271 |
| Tier 1 risk-based capital ratio | 29.5318% | 527 |
| Total risk-based capital ratio | 30.2597% | 534 |
| Memoranda: | ||
| Average total assets | $38,206,400 | 6,927 |
| Average earning assets | $37,100,400 | 6,837 |
| Average equity | $8,407,800 | 5,584 |
| Average total loans | $17,950,800 | 7,029 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 6,969 |
| Cost of funding earning assets | 1.3015% | 4,206 |
| Net interest margin | 2.9951% | 6,846 |
| Noninterest income to average assets | 2.2921% | 312 |
| Noninterest expense to average assets | 2.2353% | 6,509 |
| Loan and lease loss provision to assets | 1.1328% | 1,280 |
| Net operating income to assets | 1.2275% | 1,521 |
| Return on assets (ROA) | 1.2275% | 1,595 |
| Pretax return on assets | 1.8185% | 892 |
| Return on Equity (ROE) | 5.2264% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.2264% | 2,824 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0972% | 7,494 |
| Assets per employee ($millions) | 2.3487% | 7,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 3,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 51.4879% | 6,159 |
| Net loans and leases to deposits | 66.3615% | 5,625 |
| Net loans and leases to core deposits | 112.9035% | 887 |
| Total domestic deposits to total assets | 77.5871% | 6,350 |
| Equity capital to assets | 20.2483% | 272 |
| Core capital (leverage) ratio | 20.9750% | 207 |
| Tier 1 risk-based capital ratio | 33.5459% | 393 |
| Total risk-based capital ratio | 34.8329% | 383 |
| Memoranda: | ||
| Average total assets | $35,192,000 | 7,121 |
| Average earning assets | $34,010,250 | 7,026 |
| Average equity | $8,265,500 | 5,704 |
| Average total loans | $15,621,250 | 7,226 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 7,351 |
| Cost of funding earning assets | 1.2286% | 4,965 |
| Net interest margin | 2.7870% | 7,159 |
| Noninterest income to average assets | 0.0062% | 7,504 |
| Noninterest expense to average assets | 2.4152% | 6,023 |
| Loan and lease loss provision to assets | 0.9424% | 1,555 |
| Net operating income to assets | -0.3807% | 6,544 |
| Return on assets (ROA) | -0.3807% | 6,584 |
| Pretax return on assets | -0.6615% | 6,700 |
| Return on Equity (ROE) | -1.5233% | 6,377 |
| Retained earnings to average equity (ytd only) | -1.5233% | 6,069 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5833% | 1,369 |
| Assets per employee ($millions) | 2.5346% | 7,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 5,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 49.5820% | 6,481 |
| Net loans and leases to deposits | 63.9576% | 6,045 |
| Net loans and leases to core deposits | 118.6184% | 745 |
| Total domestic deposits to total assets | 77.5232% | 6,388 |
| Equity capital to assets | 21.3597% | 226 |
| Core capital (leverage) ratio | 22.2848% | 171 |
| Tier 1 risk-based capital ratio | 28.0406% | 626 |
| Total risk-based capital ratio | 28.9033% | 637 |
| Memoranda: | ||
| Average total assets | $32,047,330 | 7,281 |
| Average earning assets | $30,929,670 | 7,191 |
| Average equity | $8,008,670 | 5,799 |
| Average total loans | $13,034,330 | 7,397 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 7,578 |
| Cost of funding earning assets | 1.1831% | 5,494 |
| Net interest margin | 2.6358% | 7,355 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 3.3820% | 2,287 |
| Loan and lease loss provision to assets | 0.3598% | 3,216 |
| Net operating income to assets | -0.8779% | 7,051 |
| Return on assets (ROA) | -0.8779% | 7,078 |
| Pretax return on assets | -1.2089% | 7,151 |
| Return on Equity (ROE) | -3.1763% | 6,754 |
| Retained earnings to average equity (ytd only) | -3.1763% | 6,385 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5227% | 303 |
| Assets per employee ($millions) | 1.7999% | 7,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 5,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 33.2560% | 7,522 |
| Net loans and leases to deposits | 46.5636% | 7,306 |
| Net loans and leases to core deposits | 71.4657% | 5,775 |
| Total domestic deposits to total assets | 71.4206% | 7,319 |
| Equity capital to assets | 28.2852% | 102 |
| Core capital (leverage) ratio | 31.2939% | 80 |
| Tier 1 risk-based capital ratio | 44.9319% | 193 |
| Total risk-based capital ratio | 45.6345% | 195 |
| Memoranda: | ||
| Average total assets | $27,794,500 | 7,511 |
| Average earning assets | $26,709,000 | 7,438 |
| Average equity | $7,682,000 | 5,949 |
| Average total loans | $9,369,500 | 7,676 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2625% | 7,855 |
| Cost of funding earning assets | 0.9411% | 7,325 |
| Net interest margin | 2.3214% | 7,574 |
| Noninterest income to average assets | 0.3230% | 5,776 |
| Noninterest expense to average assets | 4.3663% | 913 |
| Loan and lease loss provision to assets | 0.3768% | 4,525 |
| Net operating income to assets | -0.6759% | 6,332 |
| Return on assets (ROA) | -0.6759% | 6,338 |
| Pretax return on assets | -2.2071% | 7,023 |
| Return on Equity (ROE) | -1.6796% | 5,805 |
| Retained earnings to average equity (ytd only) | -1.6796% | 5,432 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.1698% | 213 |
| Assets per employee ($millions) | 2.2718% | 7,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 5,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 33.3173% | 7,619 |
| Net loans and leases to deposits | 45.8606% | 7,449 |
| Net loans and leases to core deposits | 108.3832% | 3,062 |
| Total domestic deposits to total assets | 72.6491% | 7,187 |
| Equity capital to assets | 26.8467% | 128 |
| Core capital (leverage) ratio | 28.9401% | 110 |
| Tier 1 risk-based capital ratio | 33.1384% | 407 |
| Total risk-based capital ratio | 33.6822% | 420 |
| Memoranda: | ||
| Average total assets | $16,718,800 | 7,859 |
| Average earning assets | $15,938,600 | 7,821 |
| Average equity | $6,727,800 | 6,357 |
| Average total loans | $4,800,400 | 7,898 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2443% | 7,962 |
| Cost of funding earning assets | 0.7943% | 7,698 |
| Net interest margin | 2.4499% | 7,512 |
| Noninterest income to average assets | 0.4914% | 4,558 |
| Noninterest expense to average assets | 5.1417% | 443 |
| Loan and lease loss provision to assets | 0.1547% | 5,803 |
| Net operating income to assets | -0.8554% | 6,733 |
| Return on assets (ROA) | -0.8554% | 6,729 |
| Pretax return on assets | -2.4753% | 7,338 |
| Return on Equity (ROE) | -1.8616% | 6,079 |
| Retained earnings to average equity (ytd only) | -1.8616% | 5,694 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.2581% | 191 |
| Assets per employee ($millions) | 2.0174% | 7,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 24.7992% | 7,888 |
| Net loans and leases to deposits | 37.5094% | 7,793 |
| Net loans and leases to core deposits | 101.5219% | 4,209 |
| Total domestic deposits to total assets | 66.1148% | 7,681 |
| Equity capital to assets | 33.3895% | 93 |
| Core capital (leverage) ratio | 39.1582% | 77 |
| Tier 1 risk-based capital ratio | 48.4309% | 180 |
| Total risk-based capital ratio | 48.8740% | 185 |
| Memoranda: | ||
| Average total assets | $14,651,000 | 7,982 |
| Average earning assets | $13,932,000 | 7,953 |
| Average equity | $6,732,500 | 6,413 |
| Average total loans | $3,892,500 | 7,999 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 7,991 |
| Cost of funding earning assets | 0.6593% | 7,950 |
| Net interest margin | 3.0490% | 6,405 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 5.7455% | 347 |
| Loan and lease loss provision to assets | 0.2342% | 4,715 |
| Net operating income to assets | -3.0913% | 7,696 |
| Return on assets (ROA) | -3.0913% | 7,693 |
| Pretax return on assets | -3.0913% | 7,592 |
| Return on Equity (ROE) | -5.8829% | 6,699 |
| Retained earnings to average equity (ytd only) | -5.8829% | 6,431 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 198.9189% | 203 |
| Assets per employee ($millions) | 1.2584% | 8,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 3,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 28.0162% | 7,932 |
| Net loans and leases to deposits | 54.4969% | 7,245 |
| Net loans and leases to core deposits | 100.8583% | 4,418 |
| Total domestic deposits to total assets | 51.4088% | 8,049 |
| Equity capital to assets | 47.9122% | 65 |
| Core capital (leverage) ratio | 50.8121% | 60 |
| Tier 1 risk-based capital ratio | 52.0606% | 168 |
| Total risk-based capital ratio | 52.5080% | 176 |
| Memoranda: | ||
| Average total assets | $12,810,000 | 8,108 |
| Average earning assets | $12,135,000 | 8,080 |
| Average equity | $6,731,330 | 6,455 |
| Average total loans | $3,502,330 | 8,101 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7272% | 8,056 |
| Cost of funding earning assets | 0.4486% | 8,117 |
| Net interest margin | 3.2785% | 5,579 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 5.7264% | 329 |
| Loan and lease loss provision to assets | 0.3904% | 2,987 |
| Net operating income to assets | -3.0259% | 7,850 |
| Return on assets (ROA) | -3.0259% | 7,851 |
| Pretax return on assets | -3.0259% | 7,763 |
| Return on Equity (ROE) | -5.4859% | 7,018 |
| Retained earnings to average equity (ytd only) | -5.4859% | 6,619 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.2632% | 223 |
| Assets per employee ($millions) | 1.4270% | 8,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 3,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 32.0427% | 7,864 |
| Net loans and leases to deposits | 79.7471% | 4,652 |
| Net loans and leases to core deposits | 104.6938% | 4,059 |
| Total domestic deposits to total assets | 40.1804% | 8,141 |
| Equity capital to assets | 59.0137% | 52 |
| Core capital (leverage) ratio | 55.1577% | 63 |
| Tier 1 risk-based capital ratio | 69.1810% | 110 |
| Total risk-based capital ratio | 69.7462% | 113 |
| Memoranda: | ||
| Average total assets | $12,294,000 | 8,163 |
| Average earning assets | $11,590,500 | 8,140 |
| Average equity | $6,781,000 | 6,490 |
| Average total loans | $3,286,000 | 8,159 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9267% | 8,178 |
| Cost of funding earning assets | 0.1422% | 8,254 |
| Net interest margin | 2.7845% | 7,354 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 3.8305% | 1,699 |
| Loan and lease loss provision to assets | 0.4118% | 3,226 |
| Net operating income to assets | -1.9919% | 7,600 |
| Return on assets (ROA) | -2.2217% | 7,612 |
| Pretax return on assets | -2.2217% | 7,513 |
| Return on Equity (ROE) | -3.3704% | 6,671 |
| Retained earnings to average equity (ytd only) | -3.3704% | 6,200 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.2128% | 281 |
| Assets per employee ($millions) | 1.8817% | 8,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 2,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 21.3787% | 8,136 |
| Net loans and leases to deposits | 44.7837% | 7,825 |
| Net loans and leases to core deposits | 47.4314% | 7,938 |
| Total domestic deposits to total assets | 47.7376% | 8,142 |
| Equity capital to assets | 51.8145% | 74 |
| Core capital (leverage) ratio | 73.5094% | 42 |
| Tier 1 risk-based capital ratio | 112.6942% | 71 |
| Total risk-based capital ratio | 113.4050% | 71 |
| Memoranda: | ||
| Average total assets | $10,442,500 | 8,241 |
| Average earning assets | $8,439,500 | 8,241 |
| Average equity | $6,883,500 | 6,495 |
| Average total loans | $1,429,500 | 8,239 |