Home > Malvern Bank > Performance and Condition Ratios
Malvern Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6019% | 544 |
| Cost of funding earning assets | 2.8382% | 456 |
| Net interest margin | 3.7638% | 1,749 |
| Noninterest income to average assets | 0.3300% | 2,671 |
| Noninterest expense to average assets | 2.3951% | 2,598 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 1.3444% | 1,385 |
| Return on assets (ROA) | 1.3410% | 1,379 |
| Pretax return on assets | 1.3832% | 1,779 |
| Return on Equity (ROE) | 14.9700% | 1,074 |
| Retained earnings to average equity (ytd only) | 7.6598% | 1,794 |
| Net charge-offs to loans | 0.0578% | 1,101 |
| Credit loss provision to net charge-offs | 232.1429% | 829 |
| Earnings coverage of net charge-offs (x) | 30.4643% | 1,229 |
| Efficiency ratio | 61.4724% | 2,776 |
| Assets per employee ($millions) | 10.6914% | 644 |
| Cash dividends to net income (ytd only)* | 48.8189% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,010 |
| Loan loss allowance to noncurrent loans | 565.4391% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 2,727 |
| Noncurrent loans to loans | 0.1843% | 2,838 |
| Net loans and leases to total assets | 84.4000% | 221 |
| Net loans and leases to deposits | 93.3336% | 810 |
| Net loans and leases to core deposits | 113.6304% | 739 |
| Total domestic deposits to total assets | 90.4300% | 684 |
| Equity capital to assets | 9.1578% | 2,825 |
| Core capital (leverage) ratio | 9.1721% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2305% | 2,444 |
| Memoranda: | ||
| Average total assets | $227,297,500 | 2,851 |
| Average earning assets | $215,210,500 | 2,825 |
| Average equity | $20,366,000 | 2,982 |
| Average total loans | $193,870,500 | 2,452 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7035% | 556 |
| Cost of funding earning assets | 3.1967% | 337 |
| Net interest margin | 3.5069% | 2,065 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 2.4983% | 2,317 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 0.9313% | 2,284 |
| Return on assets (ROA) | 0.9475% | 2,225 |
| Pretax return on assets | 0.9752% | 2,597 |
| Return on Equity (ROE) | 10.7800% | 1,953 |
| Retained earnings to average equity (ytd only) | 4.7645% | 2,329 |
| Net charge-offs to loans | 0.0125% | 2,452 |
| Credit loss provision to net charge-offs | 1,021.7391% | 385 |
| Earnings coverage of net charge-offs (x) | 100.3478% | 800 |
| Efficiency ratio | 70.0687% | 1,979 |
| Assets per employee ($millions) | 10.4580% | 671 |
| Cash dividends to net income (ytd only)* | 55.7833% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,247 |
| Loan loss allowance to noncurrent loans | 4,168.0851% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,578 |
| Noncurrent loans to loans | 0.0239% | 3,578 |
| Net loans and leases to total assets | 84.4500% | 245 |
| Net loans and leases to deposits | 105.0268% | 285 |
| Net loans and leases to core deposits | 123.1901% | 514 |
| Total domestic deposits to total assets | 80.4000% | 3,506 |
| Equity capital to assets | 8.7671% | 3,002 |
| Core capital (leverage) ratio | 9.0615% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6349% | 2,623 |
| Memoranda: | ||
| Average total assets | $216,264,000 | 2,894 |
| Average earning assets | $199,864,800 | 2,893 |
| Average equity | $19,015,800 | 3,039 |
| Average total loans | $183,272,400 | 2,492 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6783% | 552 |
| Cost of funding earning assets | 3.2454% | 323 |
| Net interest margin | 3.4329% | 2,174 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 2.5042% | 2,234 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.8300% | 2,593 |
| Return on assets (ROA) | 0.8276% | 2,620 |
| Pretax return on assets | 0.8746% | 2,861 |
| Return on Equity (ROE) | 9.4100% | 2,351 |
| Retained earnings to average equity (ytd only) | 3.2323% | 3,093 |
| Net charge-offs to loans | -0.0133% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 72.2523% | 1,759 |
| Assets per employee ($millions) | 9.5083% | 891 |
| Cash dividends to net income (ytd only)* | 65.6321% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,096 |
| Loan loss allowance to noncurrent loans | 3,275.8621% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,571 |
| Noncurrent loans to loans | 0.0314% | 3,580 |
| Net loans and leases to total assets | 83.5700% | 290 |
| Net loans and leases to deposits | 98.4937% | 563 |
| Net loans and leases to core deposits | 115.8860% | 735 |
| Total domestic deposits to total assets | 84.8500% | 2,348 |
| Equity capital to assets | 8.6967% | 3,252 |
| Core capital (leverage) ratio | 8.7583% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6988% | 2,629 |
| Memoranda: | ||
| Average total assets | $212,811,250 | 2,908 |
| Average earning assets | $195,474,500 | 2,913 |
| Average equity | $18,727,000 | 3,054 |
| Average total loans | $180,028,750 | 2,510 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4328% | 682 |
| Cost of funding earning assets | 3.1218% | 376 |
| Net interest margin | 3.3109% | 2,382 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.5364% | 2,145 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.7070% | 2,925 |
| Return on assets (ROA) | 0.6981% | 2,966 |
| Pretax return on assets | 0.7455% | 3,129 |
| Return on Equity (ROE) | 7.9000% | 2,764 |
| Retained earnings to average equity (ytd only) | 2.1149% | 3,311 |
| Net charge-offs to loans | -0.0022% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.1124% | 1,545 |
| Assets per employee ($millions) | 9.3906% | 878 |
| Cash dividends to net income (ytd only)* | 73.2337% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,207 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.0300% | 374 |
| Net loans and leases to deposits | 97.9447% | 656 |
| Net loans and leases to core deposits | 115.7683% | 766 |
| Total domestic deposits to total assets | 84.7700% | 2,376 |
| Equity capital to assets | 8.6868% | 2,961 |
| Core capital (leverage) ratio | 8.9314% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6864% | 2,650 |
| Memoranda: | ||
| Average total assets | $210,851,333 | 2,929 |
| Average earning assets | $195,654,333 | 2,918 |
| Average equity | $18,629,667 | 3,045 |
| Average total loans | $178,483,333 | 2,513 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3503% | 702 |
| Cost of funding earning assets | 3.0039% | 425 |
| Net interest margin | 3.3465% | 2,237 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 2.5772% | 2,032 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.6571% | 2,985 |
| Return on assets (ROA) | 0.6606% | 3,003 |
| Pretax return on assets | 0.7086% | 3,138 |
| Return on Equity (ROE) | 7.4100% | 2,845 |
| Retained earnings to average equity (ytd only) | -0.0646% | 3,737 |
| Net charge-offs to loans | -0.0090% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.5108% | 1,499 |
| Assets per employee ($millions) | 9.0888% | 981 |
| Cash dividends to net income (ytd only)* | 100.8721% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,295 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 84.9000% | 216 |
| Net loans and leases to deposits | 100.4915% | 457 |
| Net loans and leases to core deposits | 117.1515% | 718 |
| Total domestic deposits to total assets | 84.4900% | 2,569 |
| Equity capital to assets | 8.8796% | 2,757 |
| Core capital (leverage) ratio | 9.1517% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8119% | 2,638 |
| Memoranda: | ||
| Average total assets | $208,285,000 | 2,945 |
| Average earning assets | $191,486,500 | 2,949 |
| Average equity | $18,563,500 | 3,050 |
| Average total loans | $177,143,500 | 2,520 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8235% | 801 |
| Cost of funding earning assets | 2.2395% | 599 |
| Net interest margin | 3.5841% | 1,999 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.7735% | 1,569 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7218% | 3,126 |
| Return on assets (ROA) | 0.7434% | 3,049 |
| Pretax return on assets | 0.7949% | 3,223 |
| Return on Equity (ROE) | 8.5900% | 2,870 |
| Retained earnings to average equity (ytd only) | 1.8391% | 3,612 |
| Net charge-offs to loans | 0.1038% | 882 |
| Credit loss provision to net charge-offs | 135.2941% | 1,556 |
| Earnings coverage of net charge-offs (x) | 10.2529% | 2,248 |
| Efficiency ratio | 75.7209% | 1,272 |
| Assets per employee ($millions) | 8.6470% | 1,131 |
| Cash dividends to net income (ytd only)* | 78.5861% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,319 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 83.4900% | 309 |
| Net loans and leases to deposits | 95.1242% | 857 |
| Net loans and leases to core deposits | 109.6116% | 973 |
| Total domestic deposits to total assets | 87.7700% | 1,427 |
| Equity capital to assets | 8.9458% | 2,709 |
| Core capital (leverage) ratio | 9.1538% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8795% | 2,615 |
| Memoranda: | ||
| Average total assets | $195,998,800 | 3,012 |
| Average earning assets | $182,363,200 | 2,991 |
| Average equity | $16,965,200 | 3,097 |
| Average total loans | $163,753,800 | 2,569 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6313% | 874 |
| Cost of funding earning assets | 2.0834% | 617 |
| Net interest margin | 3.5479% | 2,110 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.7451% | 1,555 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.7591% | 3,135 |
| Return on assets (ROA) | 0.7746% | 3,090 |
| Pretax return on assets | 0.8271% | 3,273 |
| Return on Equity (ROE) | 9.0300% | 2,919 |
| Retained earnings to average equity (ytd only) | 2.4951% | 3,631 |
| Net charge-offs to loans | 0.1259% | 642 |
| Credit loss provision to net charge-offs | 118.4211% | 1,492 |
| Earnings coverage of net charge-offs (x) | 8.9079% | 2,179 |
| Efficiency ratio | 74.5966% | 1,310 |
| Assets per employee ($millions) | 7.9750% | 1,357 |
| Cash dividends to net income (ytd only)* | 72.3708% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,271 |
| Loan loss allowance to noncurrent loans | 870.5584% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 2,917 |
| Noncurrent loans to loans | 0.1168% | 2,984 |
| Net loans and leases to total assets | 83.7000% | 300 |
| Net loans and leases to deposits | 91.9968% | 1,050 |
| Net loans and leases to core deposits | 105.2139% | 1,054 |
| Total domestic deposits to total assets | 90.9900% | 673 |
| Equity capital to assets | 8.5582% | 2,688 |
| Core capital (leverage) ratio | 8.6458% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5313% | 2,719 |
| Memoranda: | ||
| Average total assets | $193,116,500 | 3,038 |
| Average earning assets | $181,623,250 | 3,005 |
| Average equity | $16,565,250 | 3,112 |
| Average total loans | $160,939,750 | 2,600 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4484% | 901 |
| Cost of funding earning assets | 1.9302% | 574 |
| Net interest margin | 3.5181% | 2,223 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.7587% | 1,499 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7571% | 3,201 |
| Return on assets (ROA) | 0.7758% | 3,164 |
| Pretax return on assets | 0.8292% | 3,329 |
| Return on Equity (ROE) | 9.0400% | 2,979 |
| Retained earnings to average equity (ytd only) | 2.9635% | 3,489 |
| Net charge-offs to loans | 0.0821% | 773 |
| Credit loss provision to net charge-offs | 92.3077% | 1,495 |
| Earnings coverage of net charge-offs (x) | 12.8154% | 1,926 |
| Efficiency ratio | 75.9804% | 1,176 |
| Assets per employee ($millions) | 7.5994% | 1,544 |
| Cash dividends to net income (ytd only)* | 67.2065% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,255 |
| Loan loss allowance to noncurrent loans | 880.6283% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 2,855 |
| Noncurrent loans to loans | 0.1179% | 2,888 |
| Net loans and leases to total assets | 81.1200% | 504 |
| Net loans and leases to deposits | 89.0123% | 1,259 |
| Net loans and leases to core deposits | 102.1178% | 1,126 |
| Total domestic deposits to total assets | 91.1300% | 613 |
| Equity capital to assets | 8.4500% | 2,902 |
| Core capital (leverage) ratio | 8.7046% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6361% | 2,725 |
| Memoranda: | ||
| Average total assets | $191,030,333 | 3,057 |
| Average earning assets | $179,355,667 | 3,034 |
| Average equity | $16,399,333 | 3,154 |
| Average total loans | $158,386,333 | 2,616 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2685% | 862 |
| Cost of funding earning assets | 1.7351% | 512 |
| Net interest margin | 3.5334% | 2,276 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.7696% | 1,508 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.7601% | 3,321 |
| Return on assets (ROA) | 0.7819% | 3,204 |
| Pretax return on assets | 0.8373% | 3,373 |
| Return on Equity (ROE) | 9.0300% | 3,040 |
| Retained earnings to average equity (ytd only) | 3.9628% | 3,278 |
| Net charge-offs to loans | -0.0562% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.9346% | 1,173 |
| Assets per employee ($millions) | 7.6329% | 1,542 |
| Cash dividends to net income (ytd only)* | 56.1308% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 2,968 |
| Loan loss allowance to noncurrent loans | 1,369.2913% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 3,135 |
| Noncurrent loans to loans | 0.0816% | 3,162 |
| Net loans and leases to total assets | 80.6500% | 482 |
| Net loans and leases to deposits | 88.6005% | 1,159 |
| Net loans and leases to core deposits | 102.2339% | 992 |
| Total domestic deposits to total assets | 91.0300% | 789 |
| Equity capital to assets | 8.5493% | 2,852 |
| Core capital (leverage) ratio | 8.6879% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8850% | 2,762 |
| Memoranda: | ||
| Average total assets | $187,753,000 | 3,120 |
| Average earning assets | $177,053,500 | 3,083 |
| Average equity | $16,251,000 | 3,195 |
| Average total loans | $156,598,500 | 2,650 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 491 |
| Cost of funding earning assets | 0.7164% | 545 |
| Net interest margin | 4.0113% | 777 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.8109% | 1,293 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1962% | 1,782 |
| Return on assets (ROA) | 1.1908% | 1,746 |
| Pretax return on assets | 1.2434% | 2,297 |
| Return on Equity (ROE) | 13.4900% | 1,660 |
| Retained earnings to average equity (ytd only) | 3.1844% | 3,671 |
| Net charge-offs to loans | 0.0893% | 783 |
| Credit loss provision to net charge-offs | 74.0741% | 1,707 |
| Earnings coverage of net charge-offs (x) | 17.2963% | 1,959 |
| Efficiency ratio | 68.2960% | 1,927 |
| Assets per employee ($millions) | 8.0297% | 1,305 |
| Cash dividends to net income (ytd only)* | 76.3961% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,108 |
| Loan loss allowance to noncurrent loans | 525.0000% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,351 |
| Noncurrent loans to loans | 0.2006% | 2,485 |
| Net loans and leases to total assets | 84.4100% | 231 |
| Net loans and leases to deposits | 95.0121% | 711 |
| Net loans and leases to core deposits | 107.5800% | 690 |
| Total domestic deposits to total assets | 88.8400% | 1,762 |
| Equity capital to assets | 8.7652% | 2,519 |
| Core capital (leverage) ratio | 8.9619% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5036% | 2,864 |
| Memoranda: | ||
| Average total assets | $178,948,200 | 3,201 |
| Average earning assets | $165,831,200 | 3,196 |
| Average equity | $15,795,600 | 3,295 |
| Average total loans | $151,106,800 | 2,624 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 394 |
| Cost of funding earning assets | 0.5827% | 477 |
| Net interest margin | 4.0591% | 564 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.7054% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4110% | 1,059 |
| Return on assets (ROA) | 1.4000% | 1,061 |
| Pretax return on assets | 1.4504% | 1,556 |
| Return on Equity (ROE) | 15.8300% | 1,012 |
| Retained earnings to average equity (ytd only) | 5.0453% | 3,084 |
| Net charge-offs to loans | -0.0241% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.9243% | 2,418 |
| Assets per employee ($millions) | 7.4507% | 1,647 |
| Cash dividends to net income (ytd only)* | 68.1330% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 2,889 |
| Loan loss allowance to noncurrent loans | 878.0612% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 2,864 |
| Noncurrent loans to loans | 0.1286% | 2,991 |
| Net loans and leases to total assets | 84.2900% | 221 |
| Net loans and leases to deposits | 95.8462% | 561 |
| Net loans and leases to core deposits | 107.4384% | 550 |
| Total domestic deposits to total assets | 87.9400% | 2,450 |
| Equity capital to assets | 8.9640% | 2,239 |
| Core capital (leverage) ratio | 9.0069% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7520% | 2,880 |
| Memoranda: | ||
| Average total assets | $177,514,250 | 3,230 |
| Average earning assets | $163,843,750 | 3,238 |
| Average equity | $15,697,500 | 3,344 |
| Average total loans | $149,495,750 | 2,646 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 402 |
| Cost of funding earning assets | 0.5534% | 381 |
| Net interest margin | 3.9003% | 601 |
| Noninterest income to average assets | 0.4326% | 2,558 |
| Noninterest expense to average assets | 2.6576% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3740% | 970 |
| Return on assets (ROA) | 1.3564% | 988 |
| Pretax return on assets | 1.4028% | 1,433 |
| Return on Equity (ROE) | 15.4103% | 815 |
| Retained earnings to average equity (ytd only) | 3.4388% | 3,294 |
| Net charge-offs to loans | -0.0242% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1620% | 2,624 |
| Assets per employee ($millions) | 7.2294% | 1,786 |
| Cash dividends to net income (ytd only)* | 77.6853% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,924 |
| Loan loss allowance to noncurrent loans | 2,593.9394% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,615 |
| Noncurrent loans to loans | 0.0444% | 3,610 |
| Net loans and leases to total assets | 81.3579% | 324 |
| Net loans and leases to deposits | 89.3710% | 756 |
| Net loans and leases to core deposits | 98.9869% | 713 |
| Total domestic deposits to total assets | 91.0339% | 1,222 |
| Equity capital to assets | 8.6873% | 2,623 |
| Core capital (leverage) ratio | 8.6500% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9756% | 2,824 |
| Memoranda: | ||
| Average total assets | $177,080,333 | 3,269 |
| Average earning assets | $165,526,333 | 3,265 |
| Average equity | $15,587,000 | 3,440 |
| Average total loans | $148,513,667 | 2,662 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 378 |
| Cost of funding earning assets | 0.5549% | 358 |
| Net interest margin | 3.8475% | 574 |
| Noninterest income to average assets | 0.4337% | 2,476 |
| Noninterest expense to average assets | 2.6910% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2981% | 1,005 |
| Return on assets (ROA) | 1.2804% | 1,037 |
| Pretax return on assets | 1.3170% | 1,456 |
| Return on Equity (ROE) | 14.4495% | 743 |
| Retained earnings to average equity (ytd only) | 4.8938% | 2,628 |
| Net charge-offs to loans | -0.0054% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8367% | 2,659 |
| Assets per employee ($millions) | 7.3965% | 1,740 |
| Cash dividends to net income (ytd only)* | 66.1319% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,098 |
| Loan loss allowance to noncurrent loans | 2,531.3433% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 3,661 |
| Noncurrent loans to loans | 0.0455% | 3,652 |
| Net loans and leases to total assets | 82.0810% | 160 |
| Net loans and leases to deposits | 90.1975% | 501 |
| Net loans and leases to core deposits | 100.8269% | 488 |
| Total domestic deposits to total assets | 91.0013% | 1,033 |
| Equity capital to assets | 8.8021% | 2,872 |
| Core capital (leverage) ratio | 8.9142% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9268% | 2,905 |
| Memoranda: | ||
| Average total assets | $175,252,500 | 3,303 |
| Average earning assets | $163,637,000 | 3,293 |
| Average equity | $15,530,000 | 3,514 |
| Average total loans | $148,393,000 | 2,651 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 464 |
| Cost of funding earning assets | 0.7069% | 314 |
| Net interest margin | 3.9364% | 806 |
| Noninterest income to average assets | 0.3623% | 3,262 |
| Noninterest expense to average assets | 2.5744% | 1,939 |
| Loan and lease loss provision to assets | 0.2180% | 471 |
| Net operating income to assets | 1.2162% | 1,872 |
| Return on assets (ROA) | 1.2336% | 1,859 |
| Pretax return on assets | 1.3049% | 2,342 |
| Return on Equity (ROE) | 14.0908% | 1,160 |
| Retained earnings to average equity (ytd only) | 7.5030% | 1,719 |
| Net charge-offs to loans | 0.1650% | 583 |
| Credit loss provision to net charge-offs | 161.5721% | 1,448 |
| Earnings coverage of net charge-offs (x) | 11.1528% | 2,168 |
| Efficiency ratio | 63.1138% | 2,695 |
| Assets per employee ($millions) | 7.5213% | 1,608 |
| Cash dividends to net income (ytd only)* | 46.7526% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,208 |
| Loan loss allowance to noncurrent loans | 2,491.1765% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,731 |
| Noncurrent loans to loans | 0.0455% | 3,751 |
| Net loans and leases to total assets | 85.3749% | 78 |
| Net loans and leases to deposits | 95.2071% | 342 |
| Net loans and leases to core deposits | 106.1579% | 363 |
| Total domestic deposits to total assets | 89.6728% | 1,128 |
| Equity capital to assets | 8.9225% | 3,706 |
| Core capital (leverage) ratio | 8.9455% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7249% | 2,947 |
| Memoranda: | ||
| Average total assets | $169,748,200 | 3,305 |
| Average earning assets | $160,273,200 | 3,276 |
| Average equity | $14,860,800 | 3,651 |
| Average total loans | $138,782,800 | 2,739 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 941 |
| Cost of funding earning assets | 0.7413% | 320 |
| Net interest margin | 3.5651% | 1,686 |
| Noninterest income to average assets | 0.5959% | 2,228 |
| Noninterest expense to average assets | 2.4387% | 2,310 |
| Loan and lease loss provision to assets | 0.2445% | 383 |
| Net operating income to assets | 1.2356% | 2,037 |
| Return on assets (ROA) | 1.2517% | 2,049 |
| Pretax return on assets | 1.2959% | 2,636 |
| Return on Equity (ROE) | 14.3683% | 1,295 |
| Retained earnings to average equity (ytd only) | 7.8092% | 2,114 |
| Net charge-offs to loans | 0.2282% | 362 |
| Credit loss provision to net charge-offs | 133.0472% | 1,409 |
| Earnings coverage of net charge-offs (x) | 8.2876% | 2,109 |
| Efficiency ratio | 61.5415% | 2,761 |
| Assets per employee ($millions) | 7.3693% | 1,640 |
| Cash dividends to net income (ytd only)* | 45.6494% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,184 |
| Loan loss allowance to noncurrent loans | 2,232.8767% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,865 |
| Noncurrent loans to loans | 0.0518% | 3,853 |
| Net loans and leases to total assets | 82.1924% | 176 |
| Net loans and leases to deposits | 90.5629% | 576 |
| Net loans and leases to core deposits | 101.2265% | 544 |
| Total domestic deposits to total assets | 90.7572% | 449 |
| Equity capital to assets | 8.9572% | 3,870 |
| Core capital (leverage) ratio | 8.9168% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4149% | 2,882 |
| Memoranda: | ||
| Average total assets | $168,937,750 | 3,346 |
| Average earning assets | $159,542,250 | 3,310 |
| Average equity | $14,717,250 | 3,712 |
| Average total loans | $136,132,500 | 2,809 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 1,058 |
| Cost of funding earning assets | 0.7815% | 314 |
| Net interest margin | 3.4884% | 1,887 |
| Noninterest income to average assets | 0.4871% | 2,682 |
| Noninterest expense to average assets | 2.4201% | 2,399 |
| Loan and lease loss provision to assets | 0.2489% | 396 |
| Net operating income to assets | 1.0804% | 2,603 |
| Return on assets (ROA) | 1.0975% | 2,628 |
| Pretax return on assets | 1.1425% | 3,082 |
| Return on Equity (ROE) | 12.7177% | 1,817 |
| Retained earnings to average equity (ytd only) | 5.7271% | 2,915 |
| Net charge-offs to loans | 0.3167% | 268 |
| Credit loss provision to net charge-offs | 98.5915% | 1,397 |
| Earnings coverage of net charge-offs (x) | 5.4413% | 1,995 |
| Efficiency ratio | 63.7926% | 2,458 |
| Assets per employee ($millions) | 7.4225% | 1,526 |
| Cash dividends to net income (ytd only)* | 54.9676% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,204 |
| Loan loss allowance to noncurrent loans | 2,313.4328% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,992 |
| Noncurrent loans to loans | 0.0496% | 3,931 |
| Net loans and leases to total assets | 78.1932% | 433 |
| Net loans and leases to deposits | 85.8572% | 919 |
| Net loans and leases to core deposits | 97.0377% | 759 |
| Total domestic deposits to total assets | 91.0735% | 353 |
| Equity capital to assets | 8.6324% | 4,104 |
| Core capital (leverage) ratio | 8.6253% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7082% | 2,805 |
| Memoranda: | ||
| Average total assets | $168,752,000 | 3,352 |
| Average earning assets | $159,957,000 | 3,311 |
| Average equity | $14,562,333 | 3,732 |
| Average total loans | $134,529,333 | 2,837 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 890 |
| Cost of funding earning assets | 0.8213% | 319 |
| Net interest margin | 3.5959% | 1,602 |
| Noninterest income to average assets | 0.2193% | 4,072 |
| Noninterest expense to average assets | 2.4748% | 2,244 |
| Loan and lease loss provision to assets | 0.1669% | 749 |
| Net operating income to assets | 0.9246% | 3,064 |
| Return on assets (ROA) | 0.9608% | 3,024 |
| Pretax return on assets | 1.0085% | 3,346 |
| Return on Equity (ROE) | 11.1364% | 2,322 |
| Retained earnings to average equity (ytd only) | 8.5665% | 2,069 |
| Net charge-offs to loans | 0.2085% | 395 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 6.8143% | 1,634 |
| Efficiency ratio | 68.5149% | 1,869 |
| Assets per employee ($millions) | 8.3845% | 1,042 |
| Cash dividends to net income (ytd only)* | 23.0769% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 3,128 |
| Loan loss allowance to noncurrent loans | 358.6605% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 2,853 |
| Noncurrent loans to loans | 0.3245% | 2,940 |
| Net loans and leases to total assets | 78.6350% | 425 |
| Net loans and leases to deposits | 86.4109% | 935 |
| Net loans and leases to core deposits | 105.7238% | 524 |
| Total domestic deposits to total assets | 91.0013% | 394 |
| Equity capital to assets | 8.7244% | 3,935 |
| Core capital (leverage) ratio | 8.6688% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0861% | 2,638 |
| Memoranda: | ||
| Average total assets | $167,769,500 | 3,358 |
| Average earning assets | $158,292,500 | 3,327 |
| Average equity | $14,475,000 | 3,746 |
| Average total loans | $134,274,500 | 2,846 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 646 |
| Cost of funding earning assets | 1.1330% | 354 |
| Net interest margin | 3.7309% | 1,701 |
| Noninterest income to average assets | 0.2472% | 4,006 |
| Noninterest expense to average assets | 2.6213% | 2,479 |
| Loan and lease loss provision to assets | 0.2017% | 1,945 |
| Net operating income to assets | 0.9112% | 2,645 |
| Return on assets (ROA) | 0.9081% | 2,794 |
| Pretax return on assets | 0.9344% | 3,269 |
| Return on Equity (ROE) | 10.1280% | 1,959 |
| Retained earnings to average equity (ytd only) | 3.9855% | 2,837 |
| Net charge-offs to loans | 0.3227% | 551 |
| Credit loss provision to net charge-offs | 75.5396% | 3,011 |
| Earnings coverage of net charge-offs (x) | 4.2662% | 3,006 |
| Efficiency ratio | 69.7037% | 1,987 |
| Assets per employee ($millions) | 7.6295% | 1,202 |
| Cash dividends to net income (ytd only)* | 60.6488% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 3,214 |
| Loan loss allowance to noncurrent loans | 359.4907% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 3,008 |
| Noncurrent loans to loans | 0.3197% | 3,057 |
| Net loans and leases to total assets | 79.5834% | 454 |
| Net loans and leases to deposits | 88.5052% | 1,042 |
| Net loans and leases to core deposits | 109.0262% | 544 |
| Total domestic deposits to total assets | 89.9195% | 600 |
| Equity capital to assets | 8.5315% | 4,424 |
| Core capital (leverage) ratio | 8.7421% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5864% | 2,777 |
| Memoranda: | ||
| Average total assets | $156,146,200 | 3,326 |
| Average earning assets | $147,043,000 | 3,301 |
| Average equity | $14,000,800 | 3,756 |
| Average total loans | $129,233,400 | 2,874 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 735 |
| Cost of funding earning assets | 1.1964% | 380 |
| Net interest margin | 3.6994% | 1,942 |
| Noninterest income to average assets | 0.2497% | 3,984 |
| Noninterest expense to average assets | 2.6419% | 2,409 |
| Loan and lease loss provision to assets | 0.2741% | 1,468 |
| Net operating income to assets | 0.7757% | 3,182 |
| Return on assets (ROA) | 0.7658% | 3,339 |
| Pretax return on assets | 0.8023% | 3,638 |
| Return on Equity (ROE) | 8.4283% | 2,634 |
| Retained earnings to average equity (ytd only) | 2.5285% | 3,723 |
| Net charge-offs to loans | 0.4341% | 365 |
| Credit loss provision to net charge-offs | 75.7212% | 2,782 |
| Earnings coverage of net charge-offs (x) | 3.0024% | 2,941 |
| Efficiency ratio | 70.8518% | 1,771 |
| Assets per employee ($millions) | 8.0461% | 977 |
| Cash dividends to net income (ytd only)* | 70.0000% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,776 |
| Loan loss allowance to noncurrent loans | 70.1580% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 658 |
| Noncurrent loans to loans | 1.6824% | 816 |
| Net loans and leases to total assets | 80.8471% | 537 |
| Net loans and leases to deposits | 91.3797% | 1,120 |
| Net loans and leases to core deposits | 115.8411% | 507 |
| Total domestic deposits to total assets | 88.4738% | 981 |
| Equity capital to assets | 8.7161% | 4,318 |
| Core capital (leverage) ratio | 8.6578% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9345% | 2,640 |
| Memoranda: | ||
| Average total assets | $153,220,500 | 3,344 |
| Average earning assets | $144,090,750 | 3,321 |
| Average equity | $13,921,000 | 3,770 |
| Average total loans | $127,758,500 | 2,895 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 874 |
| Cost of funding earning assets | 1.2575% | 423 |
| Net interest margin | 3.7145% | 2,112 |
| Noninterest income to average assets | 0.2509% | 3,971 |
| Noninterest expense to average assets | 2.6830% | 2,436 |
| Loan and lease loss provision to assets | 0.2190% | 1,903 |
| Net operating income to assets | 0.8092% | 3,012 |
| Return on assets (ROA) | 0.7952% | 3,175 |
| Pretax return on assets | 0.8284% | 3,512 |
| Return on Equity (ROE) | 8.6274% | 2,520 |
| Retained earnings to average equity (ytd only) | 2.7222% | 3,493 |
| Net charge-offs to loans | 0.5235% | 307 |
| Credit loss provision to net charge-offs | 49.8489% | 2,625 |
| Earnings coverage of net charge-offs (x) | 2.4169% | 2,776 |
| Efficiency ratio | 71.6413% | 1,743 |
| Assets per employee ($millions) | 7.6987% | 1,088 |
| Cash dividends to net income (ytd only)* | 68.4474% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 2,990 |
| Loan loss allowance to noncurrent loans | 177.0511% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 2,272 |
| Noncurrent loans to loans | 0.6276% | 2,292 |
| Net loans and leases to total assets | 81.9585% | 420 |
| Net loans and leases to deposits | 92.5042% | 1,094 |
| Net loans and leases to core deposits | 115.5514% | 548 |
| Total domestic deposits to total assets | 88.5998% | 908 |
| Equity capital to assets | 8.6292% | 4,403 |
| Core capital (leverage) ratio | 8.7621% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6657% | 2,748 |
| Memoranda: | ||
| Average total assets | $150,653,667 | 3,350 |
| Average earning assets | $141,713,000 | 3,329 |
| Average equity | $13,886,000 | 3,783 |
| Average total loans | $126,460,000 | 2,900 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 723 |
| Cost of funding earning assets | 1.3810% | 431 |
| Net interest margin | 3.7678% | 2,093 |
| Noninterest income to average assets | 0.2591% | 3,993 |
| Noninterest expense to average assets | 2.8689% | 2,216 |
| Loan and lease loss provision to assets | 0.1378% | 2,007 |
| Net operating income to assets | 0.7676% | 3,029 |
| Return on assets (ROA) | 0.7248% | 3,274 |
| Pretax return on assets | 0.7496% | 3,547 |
| Return on Equity (ROE) | 7.5937% | 2,691 |
| Retained earnings to average equity (ytd only) | 5.2839% | 2,159 |
| Net charge-offs to loans | -0.0228% | 4,380 |
| Credit loss provision to net charge-offs | -714.2857% | 3,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4895% | 1,621 |
| Assets per employee ($millions) | 7.1051% | 1,047 |
| Cash dividends to net income (ytd only)* | 30.4183% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,939 |
| Loan loss allowance to noncurrent loans | 136.1973% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 1,591 |
| Noncurrent loans to loans | 0.9862% | 1,677 |
| Net loans and leases to total assets | 84.2796% | 247 |
| Net loans and leases to deposits | 96.0789% | 902 |
| Net loans and leases to core deposits | 117.0092% | 555 |
| Total domestic deposits to total assets | 87.7191% | 1,221 |
| Equity capital to assets | 9.3461% | 4,356 |
| Core capital (leverage) ratio | 9.6402% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4756% | 2,939 |
| Memoranda: | ||
| Average total assets | $145,144,500 | 3,394 |
| Average earning assets | $136,419,000 | 3,364 |
| Average equity | $13,853,500 | 3,786 |
| Average total loans | $122,693,500 | 2,923 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 802 |
| Cost of funding earning assets | 1.4872% | 413 |
| Net interest margin | 3.8231% | 2,430 |
| Noninterest income to average assets | 0.2919% | 3,943 |
| Noninterest expense to average assets | 2.7022% | 2,876 |
| Loan and lease loss provision to assets | 0.3197% | 500 |
| Net operating income to assets | 0.8105% | 3,528 |
| Return on assets (ROA) | 0.8396% | 3,508 |
| Pretax return on assets | 0.8882% | 3,776 |
| Return on Equity (ROE) | 8.8170% | 2,838 |
| Retained earnings to average equity (ytd only) | 1.2627% | 4,287 |
| Net charge-offs to loans | 0.4507% | 418 |
| Credit loss provision to net charge-offs | 84.5588% | 2,738 |
| Earnings coverage of net charge-offs (x) | 3.1140% | 3,357 |
| Efficiency ratio | 69.6525% | 2,232 |
| Assets per employee ($millions) | 6.4128% | 1,344 |
| Cash dividends to net income (ytd only)* | 85.6788% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,511 |
| Loan loss allowance to noncurrent loans | 98.6293% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 994 |
| Noncurrent loans to loans | 1.4230% | 1,032 |
| Net loans and leases to total assets | 82.4124% | 502 |
| Net loans and leases to deposits | 91.6117% | 1,415 |
| Net loans and leases to core deposits | 107.9584% | 979 |
| Total domestic deposits to total assets | 89.9583% | 333 |
| Equity capital to assets | 9.7546% | 4,150 |
| Core capital (leverage) ratio | 9.7489% | 3,791 |
| Tier 1 risk-based capital ratio | 11.9540% | 4,388 |
| Total risk-based capital ratio | 13.2065% | 4,268 |
| Memoranda: | ||
| Average total assets | $143,880,200 | 3,380 |
| Average earning assets | $135,020,000 | 3,351 |
| Average equity | $13,700,800 | 3,787 |
| Average total loans | $120,701,400 | 2,937 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3129% | 839 |
| Cost of funding earning assets | 1.4943% | 414 |
| Net interest margin | 3.8187% | 2,533 |
| Noninterest income to average assets | 0.2933% | 3,983 |
| Noninterest expense to average assets | 2.7417% | 2,739 |
| Loan and lease loss provision to assets | 0.2536% | 636 |
| Net operating income to assets | 0.8366% | 3,557 |
| Return on assets (ROA) | 0.8742% | 3,515 |
| Pretax return on assets | 0.9222% | 3,812 |
| Return on Equity (ROE) | 9.2358% | 2,786 |
| Retained earnings to average equity (ytd only) | 1.5296% | 4,422 |
| Net charge-offs to loans | 0.2361% | 756 |
| Credit loss provision to net charge-offs | 127.9070% | 1,849 |
| Earnings coverage of net charge-offs (x) | 5.7302% | 2,895 |
| Efficiency ratio | 70.7015% | 2,020 |
| Assets per employee ($millions) | 6.4504% | 1,298 |
| Cash dividends to net income (ytd only)* | 83.4387% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,242 |
| Loan loss allowance to noncurrent loans | 108.3735% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1698% | 1,098 |
| Noncurrent loans to loans | 1.3862% | 1,108 |
| Net loans and leases to total assets | 83.1186% | 435 |
| Net loans and leases to deposits | 92.3354% | 1,394 |
| Net loans and leases to core deposits | 112.4563% | 822 |
| Total domestic deposits to total assets | 90.0182% | 282 |
| Equity capital to assets | 9.6866% | 4,305 |
| Core capital (leverage) ratio | 9.4951% | 4,169 |
| Tier 1 risk-based capital ratio | 11.7885% | 4,527 |
| Total risk-based capital ratio | 13.0415% | 4,416 |
| Memoranda: | ||
| Average total assets | $144,579,750 | 3,402 |
| Average earning assets | $135,716,000 | 3,375 |
| Average equity | $13,685,500 | 3,832 |
| Average total loans | $121,395,750 | 2,963 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2048% | 974 |
| Cost of funding earning assets | 1.4273% | 483 |
| Net interest margin | 3.7775% | 2,661 |
| Noninterest income to average assets | 0.2942% | 3,968 |
| Noninterest expense to average assets | 2.7208% | 2,841 |
| Loan and lease loss provision to assets | 0.0687% | 2,444 |
| Net operating income to assets | 1.0099% | 2,884 |
| Return on assets (ROA) | 1.0600% | 2,745 |
| Pretax return on assets | 1.1081% | 3,211 |
| Return on Equity (ROE) | 11.2840% | 1,878 |
| Retained earnings to average equity (ytd only) | 2.7222% | 3,842 |
| Net charge-offs to loans | 0.2313% | 730 |
| Credit loss provision to net charge-offs | 35.4610% | 2,567 |
| Earnings coverage of net charge-offs (x) | 5.8014% | 2,613 |
| Efficiency ratio | 70.7544% | 2,107 |
| Assets per employee ($millions) | 6.6839% | 1,142 |
| Cash dividends to net income (ytd only)* | 75.8755% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 1,818 |
| Loan loss allowance to noncurrent loans | 108.8507% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 1,347 |
| Noncurrent loans to loans | 1.2381% | 1,287 |
| Net loans and leases to total assets | 82.0376% | 608 |
| Net loans and leases to deposits | 90.7711% | 1,659 |
| Net loans and leases to core deposits | 110.3869% | 955 |
| Total domestic deposits to total assets | 90.3785% | 217 |
| Equity capital to assets | 9.3678% | 4,526 |
| Core capital (leverage) ratio | 9.4080% | 4,238 |
| Tier 1 risk-based capital ratio | 11.5027% | 4,684 |
| Total risk-based capital ratio | 12.7544% | 4,578 |
| Memoranda: | ||
| Average total assets | $145,470,330 | 3,409 |
| Average earning assets | $136,757,330 | 3,383 |
| Average equity | $13,665,330 | 3,835 |
| Average total loans | $121,944,000 | 2,961 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1885% | 929 |
| Cost of funding earning assets | 1.3200% | 618 |
| Net interest margin | 3.8685% | 2,286 |
| Noninterest income to average assets | 0.3345% | 3,627 |
| Noninterest expense to average assets | 2.7536% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1639% | 2,202 |
| Return on assets (ROA) | 1.1639% | 2,253 |
| Pretax return on assets | 1.2109% | 2,764 |
| Return on Equity (ROE) | 12.3728% | 1,421 |
| Retained earnings to average equity (ytd only) | 1.2637% | 4,263 |
| Net charge-offs to loans | 0.3252% | 467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.4242% | 2,326 |
| Efficiency ratio | 69.4561% | 2,430 |
| Assets per employee ($millions) | 6.5927% | 1,194 |
| Cash dividends to net income (ytd only)* | 89.7862% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,848 |
| Loan loss allowance to noncurrent loans | 157.8441% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 1,960 |
| Noncurrent loans to loans | 0.8589% | 1,922 |
| Net loans and leases to total assets | 82.2765% | 563 |
| Net loans and leases to deposits | 91.0619% | 1,504 |
| Net loans and leases to core deposits | 112.9406% | 788 |
| Total domestic deposits to total assets | 90.3523% | 333 |
| Equity capital to assets | 9.3989% | 4,345 |
| Core capital (leverage) ratio | 9.4736% | 4,162 |
| Tier 1 risk-based capital ratio | 11.5183% | 4,736 |
| Total risk-based capital ratio | 12.7705% | 4,626 |
| Memoranda: | ||
| Average total assets | $144,682,500 | 3,452 |
| Average earning assets | $135,762,500 | 3,426 |
| Average equity | $13,610,500 | 3,851 |
| Average total loans | $121,775,500 | 2,999 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 1,089 |
| Cost of funding earning assets | 1.2177% | 314 |
| Net interest margin | 3.7640% | 2,806 |
| Noninterest income to average assets | 0.2634% | 4,354 |
| Noninterest expense to average assets | 2.3911% | 3,904 |
| Loan and lease loss provision to assets | 0.3954% | 349 |
| Net operating income to assets | 0.9697% | 3,140 |
| Return on assets (ROA) | 0.9697% | 3,139 |
| Pretax return on assets | 1.0267% | 3,522 |
| Return on Equity (ROE) | 10.6885% | 2,212 |
| Retained earnings to average equity (ytd only) | 5.4579% | 2,502 |
| Net charge-offs to loans | 0.3617% | 532 |
| Credit loss provision to net charge-offs | 132.7945% | 2,000 |
| Earnings coverage of net charge-offs (x) | 4.7760% | 3,259 |
| Efficiency ratio | 62.7051% | 3,404 |
| Assets per employee ($millions) | 6.8727% | 1,035 |
| Cash dividends to net income (ytd only)* | 48.9362% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,565 |
| Loan loss allowance to noncurrent loans | 224.9677% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 2,453 |
| Noncurrent loans to loans | 0.6306% | 2,404 |
| Net loans and leases to total assets | 83.7264% | 439 |
| Net loans and leases to deposits | 93.6185% | 1,323 |
| Net loans and leases to core deposits | 116.3760% | 674 |
| Total domestic deposits to total assets | 89.4336% | 686 |
| Equity capital to assets | 9.4155% | 4,199 |
| Core capital (leverage) ratio | 9.4917% | 4,119 |
| Tier 1 risk-based capital ratio | 11.1664% | 4,878 |
| Total risk-based capital ratio | 12.4188% | 4,792 |
| Memoranda: | ||
| Average total assets | $145,412,200 | 3,439 |
| Average earning assets | $137,140,200 | 3,398 |
| Average equity | $13,191,800 | 3,857 |
| Average total loans | $119,719,400 | 2,996 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 1,130 |
| Cost of funding earning assets | 1.1766% | 288 |
| Net interest margin | 3.7369% | 2,871 |
| Noninterest income to average assets | 0.2352% | 4,566 |
| Noninterest expense to average assets | 2.2862% | 4,134 |
| Loan and lease loss provision to assets | 0.3890% | 326 |
| Net operating income to assets | 1.0305% | 2,959 |
| Return on assets (ROA) | 1.0305% | 2,972 |
| Pretax return on assets | 1.0918% | 3,426 |
| Return on Equity (ROE) | 11.4669% | 1,993 |
| Retained earnings to average equity (ytd only) | 8.5441% | 1,399 |
| Net charge-offs to loans | 0.2297% | 743 |
| Credit loss provision to net charge-offs | 207.3171% | 1,339 |
| Earnings coverage of net charge-offs (x) | 7.8926% | 2,764 |
| Efficiency ratio | 60.6900% | 3,705 |
| Assets per employee ($millions) | 6.7933% | 1,020 |
| Cash dividends to net income (ytd only)* | 25.4886% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 1,330 |
| Loan loss allowance to noncurrent loans | 180.0793% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 2,080 |
| Noncurrent loans to loans | 0.8354% | 2,039 |
| Net loans and leases to total assets | 83.3877% | 528 |
| Net loans and leases to deposits | 92.3818% | 1,576 |
| Net loans and leases to core deposits | 115.6242% | 732 |
| Total domestic deposits to total assets | 90.2642% | 422 |
| Equity capital to assets | 9.4687% | 4,111 |
| Core capital (leverage) ratio | 9.4023% | 4,276 |
| Tier 1 risk-based capital ratio | 11.2421% | 4,932 |
| Total risk-based capital ratio | 12.4947% | 4,819 |
| Memoranda: | ||
| Average total assets | $145,683,750 | 3,472 |
| Average earning assets | $137,686,500 | 3,427 |
| Average equity | $13,092,500 | 3,903 |
| Average total loans | $119,004,750 | 3,033 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 1,329 |
| Cost of funding earning assets | 1.1555% | 222 |
| Net interest margin | 3.6148% | 3,258 |
| Noninterest income to average assets | 0.2359% | 4,605 |
| Noninterest expense to average assets | 2.1801% | 4,414 |
| Loan and lease loss provision to assets | 0.3749% | 332 |
| Net operating income to assets | 1.0389% | 2,855 |
| Return on assets (ROA) | 1.0389% | 2,858 |
| Pretax return on assets | 1.1016% | 3,307 |
| Return on Equity (ROE) | 11.7647% | 1,816 |
| Retained earnings to average equity (ytd only) | 8.3990% | 1,448 |
| Net charge-offs to loans | 0.3462% | 462 |
| Credit loss provision to net charge-offs | 134.1463% | 1,690 |
| Earnings coverage of net charge-offs (x) | 5.2829% | 2,723 |
| Efficiency ratio | 59.6197% | 3,988 |
| Assets per employee ($millions) | 8.0310% | 619 |
| Cash dividends to net income (ytd only)* | 28.6089% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,771 |
| Loan loss allowance to noncurrent loans | 197.0449% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 2,047 |
| Noncurrent loans to loans | 0.7074% | 2,343 |
| Net loans and leases to total assets | 81.5756% | 760 |
| Net loans and leases to deposits | 90.0389% | 1,837 |
| Net loans and leases to core deposits | 114.0475% | 792 |
| Total domestic deposits to total assets | 90.6003% | 362 |
| Equity capital to assets | 9.1403% | 4,441 |
| Core capital (leverage) ratio | 8.9016% | 4,787 |
| Tier 1 risk-based capital ratio | 11.1321% | 4,983 |
| Total risk-based capital ratio | 12.3832% | 4,887 |
| Memoranda: | ||
| Average total assets | $146,692,000 | 3,481 |
| Average earning assets | $138,818,000 | 3,426 |
| Average equity | $12,954,000 | 3,938 |
| Average total loans | $118,414,000 | 3,057 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 1,426 |
| Cost of funding earning assets | 1.1932% | 143 |
| Net interest margin | 3.4595% | 3,673 |
| Noninterest income to average assets | 0.2084% | 4,772 |
| Noninterest expense to average assets | 2.0791% | 4,703 |
| Loan and lease loss provision to assets | 0.2030% | 819 |
| Net operating income to assets | 1.1316% | 2,281 |
| Return on assets (ROA) | 1.1316% | 2,299 |
| Pretax return on assets | 1.1993% | 2,750 |
| Return on Equity (ROE) | 13.0375% | 1,251 |
| Retained earnings to average equity (ytd only) | 9.7002% | 1,256 |
| Net charge-offs to loans | 0.1052% | 1,151 |
| Credit loss provision to net charge-offs | 241.9355% | 929 |
| Earnings coverage of net charge-offs (x) | 16.7097% | 1,609 |
| Efficiency ratio | 59.7201% | 4,099 |
| Assets per employee ($millions) | 7.8455% | 658 |
| Cash dividends to net income (ytd only)* | 25.5981% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,888 |
| Loan loss allowance to noncurrent loans | 232.4363% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 2,959 |
| Noncurrent loans to loans | 0.5971% | 2,754 |
| Net loans and leases to total assets | 78.2155% | 1,208 |
| Net loans and leases to deposits | 85.8247% | 2,187 |
| Net loans and leases to core deposits | 107.8796% | 1,131 |
| Total domestic deposits to total assets | 91.1341% | 279 |
| Equity capital to assets | 8.7076% | 4,820 |
| Core capital (leverage) ratio | 8.8231% | 4,872 |
| Tier 1 risk-based capital ratio | 11.0942% | 5,085 |
| Total risk-based capital ratio | 12.3464% | 4,986 |
| Memoranda: | ||
| Average total assets | $147,759,000 | 3,497 |
| Average earning assets | $139,789,500 | 3,448 |
| Average equity | $12,824,500 | 3,991 |
| Average total loans | $117,825,500 | 3,093 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 1,981 |
| Cost of funding earning assets | 1.0928% | 135 |
| Net interest margin | 3.3245% | 4,085 |
| Noninterest income to average assets | 0.2010% | 4,941 |
| Noninterest expense to average assets | 2.3732% | 4,148 |
| Loan and lease loss provision to assets | 0.3692% | 409 |
| Net operating income to assets | 0.6113% | 3,962 |
| Return on assets (ROA) | 0.6113% | 4,001 |
| Pretax return on assets | 0.6578% | 4,610 |
| Return on Equity (ROE) | 7.0383% | 3,257 |
| Retained earnings to average equity (ytd only) | -1.5194% | 5,228 |
| Net charge-offs to loans | 0.5174% | 452 |
| Credit loss provision to net charge-offs | 88.2353% | 2,820 |
| Earnings coverage of net charge-offs (x) | 2.4542% | 3,739 |
| Efficiency ratio | 69.7969% | 2,595 |
| Assets per employee ($millions) | 8.1363% | 610 |
| Cash dividends to net income (ytd only)* | 121.5884% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 1,930 |
| Loan loss allowance to noncurrent loans | 148.5581% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 2,129 |
| Noncurrent loans to loans | 0.9155% | 1,950 |
| Net loans and leases to total assets | 79.0841% | 1,102 |
| Net loans and leases to deposits | 86.7430% | 2,167 |
| Net loans and leases to core deposits | 108.7715% | 1,077 |
| Total domestic deposits to total assets | 91.1705% | 204 |
| Equity capital to assets | 8.6506% | 4,989 |
| Core capital (leverage) ratio | 8.6560% | 4,989 |
| Tier 1 risk-based capital ratio | 10.9439% | 5,180 |
| Total risk-based capital ratio | 12.1956% | 5,059 |
| Memoranda: | ||
| Average total assets | $146,255,800 | 3,520 |
| Average earning assets | $140,745,000 | 3,440 |
| Average equity | $12,702,000 | 4,030 |
| Average total loans | $118,274,600 | 3,082 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 2,125 |
| Cost of funding earning assets | 1.1120% | 104 |
| Net interest margin | 3.2322% | 4,379 |
| Noninterest income to average assets | 0.1131% | 5,432 |
| Noninterest expense to average assets | 2.2789% | 4,350 |
| Loan and lease loss provision to assets | 0.3237% | 468 |
| Net operating income to assets | 0.5709% | 4,503 |
| Return on assets (ROA) | 0.5709% | 4,542 |
| Pretax return on assets | 0.6356% | 4,766 |
| Return on Equity (ROE) | 6.5667% | 3,879 |
| Retained earnings to average equity (ytd only) | -1.7728% | 5,412 |
| Net charge-offs to loans | 0.6560% | 298 |
| Credit loss provision to net charge-offs | 60.8919% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.8045% | 3,544 |
| Efficiency ratio | 70.3745% | 2,476 |
| Assets per employee ($millions) | 7.6354% | 718 |
| Cash dividends to net income (ytd only)* | 126.9957% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,789 |
| Loan loss allowance to noncurrent loans | 124.1171% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 2,144 |
| Noncurrent loans to loans | 0.9845% | 1,959 |
| Net loans and leases to total assets | 80.2939% | 941 |
| Net loans and leases to deposits | 88.2501% | 2,021 |
| Net loans and leases to core deposits | 107.0281% | 1,199 |
| Total domestic deposits to total assets | 90.9845% | 187 |
| Equity capital to assets | 8.6915% | 5,153 |
| Core capital (leverage) ratio | 8.6321% | 5,122 |
| Tier 1 risk-based capital ratio | 10.9039% | 5,295 |
| Total risk-based capital ratio | 12.1501% | 5,192 |
| Memoranda: | ||
| Average total assets | $146,206,500 | 3,546 |
| Average earning assets | $141,364,500 | 3,460 |
| Average equity | $12,710,250 | 4,068 |
| Average total loans | $118,488,750 | 3,102 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 2,331 |
| Cost of funding earning assets | 1.0873% | 107 |
| Net interest margin | 3.1505% | 4,546 |
| Noninterest income to average assets | 0.1105% | 5,477 |
| Noninterest expense to average assets | 2.1994% | 4,563 |
| Loan and lease loss provision to assets | 0.3616% | 391 |
| Net operating income to assets | 0.5348% | 4,590 |
| Return on assets (ROA) | 0.5348% | 4,626 |
| Pretax return on assets | 0.6017% | 4,802 |
| Return on Equity (ROE) | 6.1519% | 3,980 |
| Retained earnings to average equity (ytd only) | -2.6836% | 5,398 |
| Net charge-offs to loans | 0.8662% | 224 |
| Credit loss provision to net charge-offs | 51.5564% | 2,546 |
| Earnings coverage of net charge-offs (x) | 1.3735% | 3,290 |
| Efficiency ratio | 69.5427% | 2,759 |
| Assets per employee ($millions) | 7.3626% | 791 |
| Cash dividends to net income (ytd only)* | 143.6224% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 3,012 |
| Loan loss allowance to noncurrent loans | 202.8571% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 3,200 |
| Noncurrent loans to loans | 0.5922% | 2,954 |
| Net loans and leases to total assets | 79.3081% | 1,049 |
| Net loans and leases to deposits | 86.9321% | 2,113 |
| Net loans and leases to core deposits | 105.0595% | 1,288 |
| Total domestic deposits to total assets | 91.2299% | 168 |
| Equity capital to assets | 8.5616% | 5,261 |
| Core capital (leverage) ratio | 8.5481% | 5,181 |
| Tier 1 risk-based capital ratio | 10.8833% | 5,317 |
| Total risk-based capital ratio | 12.1092% | 5,243 |
| Memoranda: | ||
| Average total assets | $146,584,670 | 3,563 |
| Average earning assets | $142,009,000 | 3,464 |
| Average equity | $12,744,000 | 4,074 |
| Average total loans | $118,676,670 | 3,111 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 2,522 |
| Cost of funding earning assets | 1.0495% | 130 |
| Net interest margin | 3.0892% | 4,683 |
| Noninterest income to average assets | 0.1149% | 5,534 |
| Noninterest expense to average assets | 2.1771% | 4,705 |
| Loan and lease loss provision to assets | 0.3829% | 297 |
| Net operating income to assets | 0.4786% | 4,676 |
| Return on assets (ROA) | 0.4786% | 4,701 |
| Pretax return on assets | 0.5497% | 4,844 |
| Return on Equity (ROE) | 5.4634% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.1541% | 4,280 |
| Net charge-offs to loans | 1.3892% | 122 |
| Credit loss provision to net charge-offs | 33.8983% | 2,092 |
| Earnings coverage of net charge-offs (x) | 0.8257% | 2,793 |
| Efficiency ratio | 70.0088% | 2,889 |
| Assets per employee ($millions) | 7.7506% | 688 |
| Cash dividends to net income (ytd only)* | 60.5714% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 3,124 |
| Loan loss allowance to noncurrent loans | 88.5225% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.0709% | 1,678 |
| Noncurrent loans to loans | 1.3583% | 1,482 |
| Net loans and leases to total assets | 77.8944% | 1,153 |
| Net loans and leases to deposits | 85.5238% | 2,091 |
| Net loans and leases to core deposits | 103.3359% | 1,263 |
| Total domestic deposits to total assets | 91.0791% | 280 |
| Equity capital to assets | 8.7240% | 5,056 |
| Core capital (leverage) ratio | 8.7838% | 4,971 |
| Tier 1 risk-based capital ratio | 11.2047% | 5,202 |
| Total risk-based capital ratio | 12.4223% | 5,113 |
| Memoranda: | ||
| Average total assets | $146,251,500 | 3,600 |
| Average earning assets | $141,786,000 | 3,500 |
| Average equity | $12,812,500 | 4,086 |
| Average total loans | $118,914,000 | 3,123 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 1,644 |
| Cost of funding earning assets | 0.9614% | 213 |
| Net interest margin | 3.5041% | 3,414 |
| Noninterest income to average assets | 0.1274% | 5,551 |
| Noninterest expense to average assets | 2.0978% | 5,004 |
| Loan and lease loss provision to assets | 0.5986% | 218 |
| Net operating income to assets | 0.7307% | 3,638 |
| Return on assets (ROA) | 0.7307% | 3,754 |
| Pretax return on assets | 0.7670% | 4,281 |
| Return on Equity (ROE) | 8.2904% | 2,791 |
| Retained earnings to average equity (ytd only) | 2.5327% | 4,075 |
| Net charge-offs to loans | 0.3056% | 900 |
| Credit loss provision to net charge-offs | 226.6082% | 1,266 |
| Earnings coverage of net charge-offs (x) | 5.1696% | 3,379 |
| Efficiency ratio | 60.5709% | 4,494 |
| Assets per employee ($millions) | 8.0690% | 592 |
| Cash dividends to net income (ytd only)* | 69.4503% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 2,218 |
| Loan loss allowance to noncurrent loans | 361.2554% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 4,002 |
| Noncurrent loans to loans | 0.3795% | 3,770 |
| Net loans and leases to total assets | 82.6586% | 518 |
| Net loans and leases to deposits | 90.8909% | 1,586 |
| Net loans and leases to core deposits | 110.1462% | 892 |
| Total domestic deposits to total assets | 90.9427% | 297 |
| Equity capital to assets | 8.7977% | 5,014 |
| Core capital (leverage) ratio | 8.9463% | 4,798 |
| Tier 1 risk-based capital ratio | 10.5221% | 5,563 |
| Total risk-based capital ratio | 11.7737% | 5,495 |
| Memoranda: | ||
| Average total assets | $129,468,600 | 3,839 |
| Average earning assets | $123,256,200 | 3,764 |
| Average equity | $11,410,800 | 4,353 |
| Average total loans | $111,923,400 | 3,191 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 1,561 |
| Cost of funding earning assets | 0.9257% | 254 |
| Net interest margin | 3.5684% | 3,201 |
| Noninterest income to average assets | 0.1338% | 5,583 |
| Noninterest expense to average assets | 2.0434% | 5,120 |
| Loan and lease loss provision to assets | 0.4140% | 341 |
| Net operating income to assets | 1.0307% | 2,289 |
| Return on assets (ROA) | 1.0307% | 2,418 |
| Pretax return on assets | 1.0562% | 3,403 |
| Return on Equity (ROE) | 11.6126% | 1,450 |
| Retained earnings to average equity (ytd only) | 6.6256% | 1,835 |
| Net charge-offs to loans | 0.2009% | 1,166 |
| Credit loss provision to net charge-offs | 236.3636% | 1,248 |
| Earnings coverage of net charge-offs (x) | 8.3941% | 2,773 |
| Efficiency ratio | 58.1571% | 4,792 |
| Assets per employee ($millions) | 7.9855% | 596 |
| Cash dividends to net income (ytd only)* | 42.9459% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 3,093 |
| Loan loss allowance to noncurrent loans | 415.0568% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 4,405 |
| Noncurrent loans to loans | 0.2951% | 4,196 |
| Net loans and leases to total assets | 86.7856% | 199 |
| Net loans and leases to deposits | 95.5089% | 1,096 |
| Net loans and leases to core deposits | 118.0194% | 571 |
| Total domestic deposits to total assets | 90.8665% | 223 |
| Equity capital to assets | 8.8727% | 5,264 |
| Core capital (leverage) ratio | 9.1991% | 4,588 |
| Tier 1 risk-based capital ratio | 10.6329% | 5,558 |
| Total risk-based capital ratio | 11.8831% | 5,474 |
| Memoranda: | ||
| Average total assets | $125,604,750 | 3,923 |
| Average earning assets | $118,968,750 | 3,866 |
| Average equity | $11,148,500 | 4,449 |
| Average total loans | $109,510,250 | 3,229 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 1,781 |
| Cost of funding earning assets | 0.8921% | 304 |
| Net interest margin | 3.5238% | 3,397 |
| Noninterest income to average assets | 0.1391% | 5,617 |
| Noninterest expense to average assets | 2.0536% | 5,161 |
| Loan and lease loss provision to assets | 0.4582% | 307 |
| Net operating income to assets | 0.9556% | 2,602 |
| Return on assets (ROA) | 0.9556% | 2,746 |
| Pretax return on assets | 0.9818% | 3,654 |
| Return on Equity (ROE) | 10.7653% | 1,731 |
| Retained earnings to average equity (ytd only) | 6.8942% | 1,662 |
| Net charge-offs to loans | 0.2861% | 834 |
| Credit loss provision to net charge-offs | 184.2105% | 1,379 |
| Earnings coverage of net charge-offs (x) | 5.7895% | 2,820 |
| Efficiency ratio | 58.7822% | 4,798 |
| Assets per employee ($millions) | 7.1272% | 828 |
| Cash dividends to net income (ytd only)* | 35.9589% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 3,237 |
| Loan loss allowance to noncurrent loans | 480.2817% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 4,609 |
| Noncurrent loans to loans | 0.2545% | 4,439 |
| Net loans and leases to total assets | 85.9319% | 259 |
| Net loans and leases to deposits | 94.9331% | 1,198 |
| Net loans and leases to core deposits | 114.3399% | 708 |
| Total domestic deposits to total assets | 90.5184% | 313 |
| Equity capital to assets | 9.2478% | 5,025 |
| Core capital (leverage) ratio | 9.3874% | 4,352 |
| Tier 1 risk-based capital ratio | 11.2243% | 5,302 |
| Total risk-based capital ratio | 12.4752% | 5,214 |
| Memoranda: | ||
| Average total assets | $122,222,000 | 4,006 |
| Average earning assets | $116,350,670 | 3,945 |
| Average equity | $10,849,670 | 4,517 |
| Average total loans | $106,255,330 | 3,302 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,087 |
| Cost of funding earning assets | 0.8576% | 370 |
| Net interest margin | 3.4550% | 3,645 |
| Noninterest income to average assets | 0.1242% | 5,720 |
| Noninterest expense to average assets | 2.0338% | 5,257 |
| Loan and lease loss provision to assets | 0.3020% | 517 |
| Net operating income to assets | 1.0471% | 2,095 |
| Return on assets (ROA) | 1.0471% | 2,206 |
| Pretax return on assets | 1.0739% | 3,190 |
| Return on Equity (ROE) | 12.0667% | 1,297 |
| Retained earnings to average equity (ytd only) | 11.6800% | 551 |
| Net charge-offs to loans | -0.0039% | 4,222 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6457% | 4,796 |
| Assets per employee ($millions) | 7.6675% | 654 |
| Cash dividends to net income (ytd only)* | 3.2051% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 3,176 |
| Loan loss allowance to noncurrent loans | 235.7016% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 3,755 |
| Noncurrent loans to loans | 0.5307% | 3,593 |
| Net loans and leases to total assets | 85.3970% | 265 |
| Net loans and leases to deposits | 94.7191% | 1,072 |
| Net loans and leases to core deposits | 112.6299% | 725 |
| Total domestic deposits to total assets | 90.1581% | 537 |
| Equity capital to assets | 9.6120% | 4,555 |
| Core capital (leverage) ratio | 9.9384% | 3,614 |
| Tier 1 risk-based capital ratio | 11.8860% | 4,985 |
| Total risk-based capital ratio | 13.1369% | 4,893 |
| Memoranda: | ||
| Average total assets | $119,188,000 | 4,090 |
| Average earning assets | $113,341,500 | 4,018 |
| Average equity | $10,342,500 | 4,611 |
| Average total loans | $103,580,000 | 3,365 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 1,902 |
| Cost of funding earning assets | 0.7393% | 671 |
| Net interest margin | 3.6610% | 2,898 |
| Noninterest income to average assets | 0.1713% | 5,558 |
| Noninterest expense to average assets | 2.3998% | 4,514 |
| Loan and lease loss provision to assets | 0.4284% | 296 |
| Net operating income to assets | 0.7341% | 3,654 |
| Return on assets (ROA) | 0.7341% | 3,746 |
| Pretax return on assets | 0.7711% | 4,296 |
| Return on Equity (ROE) | 8.7451% | 2,602 |
| Retained earnings to average equity (ytd only) | 1.1134% | 5,068 |
| Net charge-offs to loans | -0.0133% | 5,172 |
| Credit loss provision to net charge-offs | -3,666.6667% | 5,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6757% | 3,798 |
| Assets per employee ($millions) | 7.2310% | 812 |
| Cash dividends to net income (ytd only)* | 87.2679% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 3,340 |
| Loan loss allowance to noncurrent loans | 777.3585% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 5,041 |
| Noncurrent loans to loans | 0.1573% | 4,863 |
| Net loans and leases to total assets | 86.2882% | 212 |
| Net loans and leases to deposits | 93.7751% | 1,218 |
| Net loans and leases to core deposits | 112.3564% | 750 |
| Total domestic deposits to total assets | 92.0161% | 113 |
| Equity capital to assets | 7.6865% | 5,949 |
| Core capital (leverage) ratio | 7.4442% | 5,986 |
| Tier 1 risk-based capital ratio | 9.5956% | 6,030 |
| Total risk-based capital ratio | 10.8462% | 6,022 |
| Memoranda: | ||
| Average total assets | $102,715,000 | 4,412 |
| Average earning assets | $96,175,200 | 4,388 |
| Average equity | $8,622,000 | 4,925 |
| Average total loans | $90,370,400 | 3,583 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 2,288 |
| Cost of funding earning assets | 0.6789% | 935 |
| Net interest margin | 3.6062% | 3,138 |
| Noninterest income to average assets | 0.1582% | 5,698 |
| Noninterest expense to average assets | 2.0240% | 5,432 |
| Loan and lease loss provision to assets | 0.5630% | 170 |
| Net operating income to assets | 0.9182% | 2,876 |
| Return on assets (ROA) | 0.9182% | 2,962 |
| Pretax return on assets | 0.9530% | 3,809 |
| Return on Equity (ROE) | 10.6767% | 1,833 |
| Retained earnings to average equity (ytd only) | 3.7875% | 3,773 |
| Net charge-offs to loans | -0.0182% | 5,177 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1753% | 5,209 |
| Assets per employee ($millions) | 7.5756% | 661 |
| Cash dividends to net income (ytd only)* | 64.5257% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 3,657 |
| Loan loss allowance to noncurrent loans | 500.4115% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 4,902 |
| Noncurrent loans to loans | 0.2399% | 4,714 |
| Net loans and leases to total assets | 88.0678% | 136 |
| Net loans and leases to deposits | 101.3469% | 590 |
| Net loans and leases to core deposits | 119.8977% | 470 |
| Total domestic deposits to total assets | 86.8974% | 2,096 |
| Equity capital to assets | 7.9562% | 5,972 |
| Core capital (leverage) ratio | 8.4023% | 5,628 |
| Tier 1 risk-based capital ratio | 9.6427% | 6,115 |
| Total risk-based capital ratio | 10.8938% | 6,088 |
| Memoranda: | ||
| Average total assets | $99,469,750 | 4,522 |
| Average earning assets | $93,282,000 | 4,492 |
| Average equity | $8,554,250 | 5,007 |
| Average total loans | $87,696,000 | 3,676 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 2,558 |
| Cost of funding earning assets | 0.6398% | 1,166 |
| Net interest margin | 3.5536% | 3,272 |
| Noninterest income to average assets | 0.1625% | 5,734 |
| Noninterest expense to average assets | 2.1066% | 5,329 |
| Loan and lease loss provision to assets | 0.2533% | 681 |
| Net operating income to assets | 1.1082% | 1,920 |
| Return on assets (ROA) | 1.1082% | 2,006 |
| Pretax return on assets | 1.1441% | 2,992 |
| Return on Equity (ROE) | 12.5119% | 1,220 |
| Retained earnings to average equity (ytd only) | 5.4576% | 2,563 |
| Net charge-offs to loans | -0.0385% | 5,434 |
| Credit loss provision to net charge-offs | -750.0000% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1205% | 4,958 |
| Assets per employee ($millions) | 7.2278% | 756 |
| Cash dividends to net income (ytd only)* | 56.3810% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 4,801 |
| Loan loss allowance to noncurrent loans | 479.1667% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 5,107 |
| Noncurrent loans to loans | 0.2115% | 4,924 |
| Net loans and leases to total assets | 88.7923% | 104 |
| Net loans and leases to deposits | 106.7865% | 347 |
| Net loans and leases to core deposits | 130.6861% | 262 |
| Total domestic deposits to total assets | 83.1494% | 3,885 |
| Equity capital to assets | 8.9190% | 5,320 |
| Core capital (leverage) ratio | 9.3444% | 4,494 |
| Tier 1 risk-based capital ratio | 11.0785% | 5,674 |
| Total risk-based capital ratio | 12.2083% | 5,647 |
| Memoranda: | ||
| Average total assets | $94,748,330 | 4,662 |
| Average earning assets | $89,093,670 | 4,614 |
| Average equity | $8,392,000 | 5,075 |
| Average total loans | $83,164,330 | 3,797 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 2,755 |
| Cost of funding earning assets | 0.6388% | 1,186 |
| Net interest margin | 3.4807% | 3,509 |
| Noninterest income to average assets | 0.1486% | 5,849 |
| Noninterest expense to average assets | 2.1851% | 5,188 |
| Loan and lease loss provision to assets | 0.2622% | 610 |
| Net operating income to assets | 0.9090% | 2,702 |
| Return on assets (ROA) | 0.9090% | 2,827 |
| Pretax return on assets | 0.9396% | 3,744 |
| Return on Equity (ROE) | 10.3028% | 1,869 |
| Retained earnings to average equity (ytd only) | 2.8729% | 4,240 |
| Net charge-offs to loans | -0.0050% | 4,495 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5161% | 4,395 |
| Assets per employee ($millions) | 6.1807% | 1,266 |
| Cash dividends to net income (ytd only)* | 72.1154% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 4,736 |
| Loan loss allowance to noncurrent loans | 398.5849% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 5,020 |
| Noncurrent loans to loans | 0.2644% | 4,833 |
| Net loans and leases to total assets | 85.5691% | 217 |
| Net loans and leases to deposits | 99.3973% | 596 |
| Net loans and leases to core deposits | 121.5257% | 376 |
| Total domestic deposits to total assets | 86.0880% | 2,896 |
| Equity capital to assets | 9.5523% | 4,688 |
| Core capital (leverage) ratio | 9.6460% | 4,086 |
| Tier 1 risk-based capital ratio | 12.1800% | 5,127 |
| Total risk-based capital ratio | 13.3430% | 5,083 |
| Memoranda: | ||
| Average total assets | $91,528,000 | 4,776 |
| Average earning assets | $85,156,000 | 4,741 |
| Average equity | $8,075,500 | 5,195 |
| Average total loans | $79,362,500 | 3,919 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 3,611 |
| Cost of funding earning assets | 0.6023% | 1,739 |
| Net interest margin | 3.4255% | 4,084 |
| Noninterest income to average assets | 0.1859% | 5,740 |
| Noninterest expense to average assets | 2.2532% | 5,229 |
| Loan and lease loss provision to assets | 0.3452% | 560 |
| Net operating income to assets | 0.7241% | 3,773 |
| Return on assets (ROA) | 0.7241% | 3,880 |
| Pretax return on assets | 0.7446% | 4,465 |
| Return on Equity (ROE) | 9.6123% | 2,294 |
| Retained earnings to average equity (ytd only) | 6.3601% | 1,728 |
| Net charge-offs to loans | 0.2131% | 1,962 |
| Credit loss provision to net charge-offs | 193.2432% | 1,279 |
| Earnings coverage of net charge-offs (x) | 6.1014% | 3,273 |
| Efficiency ratio | 67.4007% | 4,001 |
| Assets per employee ($millions) | 6.9496% | 872 |
| Cash dividends to net income (ytd only)* | 33.8333% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 5,076 |
| Loan loss allowance to noncurrent loans | 572.2628% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 5,421 |
| Noncurrent loans to loans | 0.1744% | 5,198 |
| Net loans and leases to total assets | 86.0745% | 201 |
| Net loans and leases to deposits | 100.0811% | 616 |
| Net loans and leases to core deposits | 121.3735% | 379 |
| Total domestic deposits to total assets | 86.0048% | 2,840 |
| Equity capital to assets | 8.0746% | 6,029 |
| Core capital (leverage) ratio | 8.3018% | 5,774 |
| Tier 1 risk-based capital ratio | 10.0839% | 6,234 |
| Total risk-based capital ratio | 11.1681% | 6,238 |
| Memoranda: | ||
| Average total assets | $82,859,400 | 4,991 |
| Average earning assets | $76,368,000 | 4,975 |
| Average equity | $6,242,000 | 5,572 |
| Average total loans | $69,442,400 | 4,201 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,767 |
| Cost of funding earning assets | 0.5990% | 1,838 |
| Net interest margin | 3.3986% | 4,245 |
| Noninterest income to average assets | 0.1844% | 5,817 |
| Noninterest expense to average assets | 2.3295% | 5,029 |
| Loan and lease loss provision to assets | 0.2963% | 667 |
| Net operating income to assets | 0.6569% | 4,183 |
| Return on assets (ROA) | 0.6569% | 4,283 |
| Pretax return on assets | 0.6783% | 4,769 |
| Return on Equity (ROE) | 8.8980% | 2,742 |
| Retained earnings to average equity (ytd only) | 5.4859% | 2,767 |
| Net charge-offs to loans | 0.2958% | 1,333 |
| Credit loss provision to net charge-offs | 120.8054% | 1,903 |
| Earnings coverage of net charge-offs (x) | 3.9732% | 3,557 |
| Efficiency ratio | 70.5032% | 3,416 |
| Assets per employee ($millions) | 6.3214% | 1,136 |
| Cash dividends to net income (ytd only)* | 38.3447% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 5,383 |
| Loan loss allowance to noncurrent loans | 431.2102% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 5,451 |
| Noncurrent loans to loans | 0.2227% | 5,231 |
| Net loans and leases to total assets | 84.9607% | 264 |
| Net loans and leases to deposits | 97.6394% | 758 |
| Net loans and leases to core deposits | 110.2881% | 735 |
| Total domestic deposits to total assets | 87.0148% | 2,314 |
| Equity capital to assets | 7.4789% | 6,309 |
| Core capital (leverage) ratio | 7.6371% | 6,234 |
| Tier 1 risk-based capital ratio | 9.5217% | 6,431 |
| Total risk-based capital ratio | 10.5716% | 6,439 |
| Memoranda: | ||
| Average total assets | $80,988,000 | 5,093 |
| Average earning assets | $74,342,000 | 5,090 |
| Average equity | $5,978,750 | 5,683 |
| Average total loans | $67,166,000 | 4,304 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,976 |
| Cost of funding earning assets | 0.6178% | 1,750 |
| Net interest margin | 3.3218% | 4,499 |
| Noninterest income to average assets | 0.1836% | 5,851 |
| Noninterest expense to average assets | 2.3501% | 5,022 |
| Loan and lease loss provision to assets | 0.3598% | 485 |
| Net operating income to assets | 0.4963% | 4,826 |
| Return on assets (ROA) | 0.4963% | 4,905 |
| Pretax return on assets | 0.5162% | 5,235 |
| Return on Equity (ROE) | 6.7533% | 3,749 |
| Retained earnings to average equity (ytd only) | 3.3767% | 4,053 |
| Net charge-offs to loans | 0.4481% | 910 |
| Credit loss provision to net charge-offs | 97.9730% | 2,049 |
| Earnings coverage of net charge-offs (x) | 2.3851% | 3,559 |
| Efficiency ratio | 72.8462% | 3,186 |
| Assets per employee ($millions) | 5.5621% | 1,642 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 5,430 |
| Loan loss allowance to noncurrent loans | 459.2857% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 5,598 |
| Noncurrent loans to loans | 0.2135% | 5,373 |
| Net loans and leases to total assets | 83.3736% | 351 |
| Net loans and leases to deposits | 90.5709% | 1,314 |
| Net loans and leases to core deposits | 99.6776% | 1,310 |
| Total domestic deposits to total assets | 92.0534% | 164 |
| Equity capital to assets | 7.7064% | 6,295 |
| Core capital (leverage) ratio | 7.4075% | 6,340 |
| Tier 1 risk-based capital ratio | 10.0608% | 6,381 |
| Total risk-based capital ratio | 11.1400% | 6,392 |
| Memoranda: | ||
| Average total assets | $80,591,330 | 5,148 |
| Average earning assets | $73,814,330 | 5,144 |
| Average equity | $5,923,000 | 5,729 |
| Average total loans | $66,056,000 | 4,353 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8686% | 4,214 |
| Cost of funding earning assets | 0.6170% | 1,839 |
| Net interest margin | 3.2516% | 4,736 |
| Noninterest income to average assets | 0.1611% | 6,008 |
| Noninterest expense to average assets | 2.4014% | 4,920 |
| Loan and lease loss provision to assets | 0.5955% | 224 |
| Net operating income to assets | 0.1171% | 5,988 |
| Return on assets (ROA) | 0.1171% | 6,021 |
| Pretax return on assets | 0.1220% | 6,039 |
| Return on Equity (ROE) | 1.6315% | 5,890 |
| Retained earnings to average equity (ytd only) | -1.7675% | 5,834 |
| Net charge-offs to loans | -0.0060% | 4,867 |
| Credit loss provision to net charge-offs | -12,200.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9953% | 2,652 |
| Assets per employee ($millions) | 5.2721% | 1,937 |
| Cash dividends to net income (ytd only)* | 208.3333% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 4,752 |
| Loan loss allowance to noncurrent loans | 366.1905% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 5,442 |
| Noncurrent loans to loans | 0.3211% | 5,145 |
| Net loans and leases to total assets | 76.6209% | 931 |
| Net loans and leases to deposits | 85.2384% | 1,701 |
| Net loans and leases to core deposits | 92.1261% | 1,717 |
| Total domestic deposits to total assets | 89.8901% | 1,131 |
| Equity capital to assets | 6.9600% | 6,459 |
| Core capital (leverage) ratio | 7.1930% | 6,427 |
| Tier 1 risk-based capital ratio | 9.6064% | 6,535 |
| Total risk-based capital ratio | 10.8523% | 6,520 |
| Memoranda: | ||
| Average total assets | $81,952,000 | 5,163 |
| Average earning assets | $74,549,000 | 5,158 |
| Average equity | $5,884,000 | 5,776 |
| Average total loans | $66,301,000 | 4,379 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 4,031 |
| Cost of funding earning assets | 0.6167% | 2,515 |
| Net interest margin | 3.4014% | 4,267 |
| Noninterest income to average assets | 0.1541% | 6,167 |
| Noninterest expense to average assets | 2.4494% | 4,933 |
| Loan and lease loss provision to assets | 0.1407% | 2,550 |
| Net operating income to assets | 0.6016% | 4,253 |
| Return on assets (ROA) | 0.6016% | 4,369 |
| Pretax return on assets | 0.6311% | 4,767 |
| Return on Equity (ROE) | 7.5386% | 3,275 |
| Retained earnings to average equity (ytd only) | -0.6884% | 6,006 |
| Net charge-offs to loans | -0.0248% | 6,182 |
| Credit loss provision to net charge-offs | -700.0000% | 6,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0399% | 2,762 |
| Assets per employee ($millions) | 5.3034% | 1,845 |
| Cash dividends to net income (ytd only)* | 109.1314% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 5,721 |
| Loan loss allowance to noncurrent loans | 304.7170% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 5,460 |
| Noncurrent loans to loans | 0.3155% | 5,243 |
| Net loans and leases to total assets | 83.6633% | 278 |
| Net loans and leases to deposits | 100.1429% | 478 |
| Net loans and leases to core deposits | 108.0737% | 693 |
| Total domestic deposits to total assets | 83.5439% | 4,344 |
| Equity capital to assets | 7.4129% | 6,323 |
| Core capital (leverage) ratio | 7.7152% | 6,297 |
| Tier 1 risk-based capital ratio | 9.5456% | 6,596 |
| Total risk-based capital ratio | 10.5918% | 6,609 |
| Memoranda: | ||
| Average total assets | $74,631,600 | 5,363 |
| Average earning assets | $67,296,200 | 5,366 |
| Average equity | $5,956,000 | 5,832 |
| Average total loans | $60,395,000 | 4,602 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 4,046 |
| Cost of funding earning assets | 0.6109% | 2,727 |
| Net interest margin | 3.4114% | 4,241 |
| Noninterest income to average assets | 0.1362% | 6,342 |
| Noninterest expense to average assets | 2.4141% | 4,983 |
| Loan and lease loss provision to assets | 0.0817% | 3,425 |
| Net operating income to assets | 0.6812% | 3,948 |
| Return on assets (ROA) | 0.6812% | 4,091 |
| Pretax return on assets | 0.7139% | 4,643 |
| Return on Equity (ROE) | 8.3740% | 2,931 |
| Retained earnings to average equity (ytd only) | -1.4514% | 6,189 |
| Net charge-offs to loans | -0.0318% | 6,180 |
| Credit loss provision to net charge-offs | -321.4286% | 5,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2122% | 2,869 |
| Assets per employee ($millions) | 5.2636% | 1,878 |
| Cash dividends to net income (ytd only)* | 117.3323% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 5,879 |
| Loan loss allowance to noncurrent loans | 363.3540% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 5,797 |
| Noncurrent loans to loans | 0.2646% | 5,567 |
| Net loans and leases to total assets | 81.7766% | 384 |
| Net loans and leases to deposits | 89.0830% | 1,259 |
| Net loans and leases to core deposits | 95.1856% | 1,455 |
| Total domestic deposits to total assets | 91.7982% | 285 |
| Equity capital to assets | 7.9657% | 6,169 |
| Core capital (leverage) ratio | 8.0547% | 6,184 |
| Tier 1 risk-based capital ratio | 10.1924% | 6,542 |
| Total risk-based capital ratio | 11.2082% | 6,572 |
| Memoranda: | ||
| Average total assets | $73,401,750 | 5,444 |
| Average earning assets | $66,129,000 | 5,452 |
| Average equity | $5,970,750 | 5,903 |
| Average total loans | $58,693,500 | 4,693 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 4,067 |
| Cost of funding earning assets | 0.6192% | 2,777 |
| Net interest margin | 3.3904% | 4,224 |
| Noninterest income to average assets | 0.1337% | 6,386 |
| Noninterest expense to average assets | 2.3654% | 5,161 |
| Loan and lease loss provision to assets | 0.0818% | 3,428 |
| Net operating income to assets | 0.7012% | 3,803 |
| Return on assets (ROA) | 0.7012% | 3,980 |
| Pretax return on assets | 0.7339% | 4,558 |
| Return on Equity (ROE) | 8.5605% | 2,815 |
| Retained earnings to average equity (ytd only) | 3.5641% | 4,050 |
| Net charge-offs to loans | -0.0552% | 6,298 |
| Credit loss provision to net charge-offs | -187.5000% | 5,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3568% | 3,061 |
| Assets per employee ($millions) | 5.2276% | 1,862 |
| Cash dividends to net income (ytd only)* | 58.3658% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 5,902 |
| Loan loss allowance to noncurrent loans | 697.5610% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 6,153 |
| Noncurrent loans to loans | 0.1403% | 5,974 |
| Net loans and leases to total assets | 79.1028% | 625 |
| Net loans and leases to deposits | 86.4565% | 1,522 |
| Net loans and leases to core deposits | 92.4306% | 1,664 |
| Total domestic deposits to total assets | 91.4944% | 384 |
| Equity capital to assets | 8.2542% | 6,011 |
| Core capital (leverage) ratio | 8.0575% | 6,142 |
| Tier 1 risk-based capital ratio | 11.2764% | 6,217 |
| Total risk-based capital ratio | 12.3439% | 6,271 |
| Memoranda: | ||
| Average total assets | $73,305,330 | 5,479 |
| Average earning assets | $65,892,670 | 5,500 |
| Average equity | $6,004,330 | 5,935 |
| Average total loans | $57,975,670 | 4,747 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 4,245 |
| Cost of funding earning assets | 0.6012% | 3,098 |
| Net interest margin | 3.3642% | 4,259 |
| Noninterest income to average assets | 0.1363% | 6,417 |
| Noninterest expense to average assets | 2.3935% | 5,146 |
| Loan and lease loss provision to assets | 0.0818% | 3,283 |
| Net operating income to assets | 0.6488% | 3,969 |
| Return on assets (ROA) | 0.6488% | 4,127 |
| Pretax return on assets | 0.6815% | 4,654 |
| Return on Equity (ROE) | 7.9519% | 3,001 |
| Retained earnings to average equity (ytd only) | 4.6108% | 3,472 |
| Net charge-offs to loans | -0.0624% | 6,229 |
| Credit loss provision to net charge-offs | -166.6667% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8204% | 2,954 |
| Assets per employee ($millions) | 5.3431% | 1,814 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 6,105 |
| Loan loss allowance to noncurrent loans | 3,055.5556% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 6,540 |
| Noncurrent loans to loans | 0.0314% | 6,402 |
| Net loans and leases to total assets | 75.7901% | 865 |
| Net loans and leases to deposits | 82.6202% | 1,754 |
| Net loans and leases to core deposits | 90.0806% | 1,688 |
| Total domestic deposits to total assets | 91.7331% | 303 |
| Equity capital to assets | 8.0477% | 6,354 |
| Core capital (leverage) ratio | 8.1960% | 5,935 |
| Tier 1 risk-based capital ratio | 9.5191% | 6,760 |
| Total risk-based capital ratio | 10.3912% | 6,794 |
| Memoranda: | ||
| Average total assets | $73,364,500 | 5,528 |
| Average earning assets | $65,870,000 | 5,551 |
| Average equity | $5,986,000 | 5,988 |
| Average total loans | $57,731,000 | 4,787 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4165% | 3,748 |
| Cost of funding earning assets | 0.6684% | 3,758 |
| Net interest margin | 3.7481% | 3,450 |
| Noninterest income to average assets | 0.1738% | 6,162 |
| Noninterest expense to average assets | 2.2876% | 5,721 |
| Loan and lease loss provision to assets | 0.3846% | 1,697 |
| Net operating income to assets | 0.8092% | 3,244 |
| Return on assets (ROA) | 0.8092% | 3,494 |
| Pretax return on assets | 0.8400% | 4,151 |
| Return on Equity (ROE) | 8.7711% | 2,754 |
| Retained earnings to average equity (ytd only) | 1.6342% | 5,049 |
| Net charge-offs to loans | 0.4321% | 2,507 |
| Credit loss provision to net charge-offs | 113.6364% | 2,558 |
| Earnings coverage of net charge-offs (x) | 3.6182% | 3,657 |
| Efficiency ratio | 65.1336% | 4,680 |
| Assets per employee ($millions) | 5.9938% | 1,281 |
| Cash dividends to net income (ytd only)* | 81.3688% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 6,257 |
| Loan loss allowance to noncurrent loans | 314.9701% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 5,978 |
| Noncurrent loans to loans | 0.2869% | 5,763 |
| Net loans and leases to total assets | 80.2113% | 453 |
| Net loans and leases to deposits | 90.7193% | 1,006 |
| Net loans and leases to core deposits | 99.0574% | 1,080 |
| Total domestic deposits to total assets | 88.4171% | 1,952 |
| Equity capital to assets | 8.2753% | 6,220 |
| Core capital (leverage) ratio | 8.7857% | 5,201 |
| Tier 1 risk-based capital ratio | 9.3069% | 6,824 |
| Total risk-based capital ratio | 10.1317% | 6,866 |
| Memoranda: | ||
| Average total assets | $65,001,800 | 5,785 |
| Average earning assets | $57,896,200 | 5,818 |
| Average equity | $5,997,000 | 6,027 |
| Average total loans | $50,917,000 | 5,069 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 3,599 |
| Cost of funding earning assets | 0.6879% | 3,878 |
| Net interest margin | 3.8200% | 3,246 |
| Noninterest income to average assets | 0.1854% | 6,194 |
| Noninterest expense to average assets | 2.2548% | 5,808 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2665% | 1,523 |
| Return on assets (ROA) | 1.2665% | 1,685 |
| Pretax return on assets | 1.3360% | 2,472 |
| Return on Equity (ROE) | 13.3368% | 1,259 |
| Retained earnings to average equity (ytd only) | 5.5034% | 3,037 |
| Net charge-offs to loans | -0.0597% | 6,751 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7934% | 5,012 |
| Assets per employee ($millions) | 5.4288% | 1,703 |
| Cash dividends to net income (ytd only)* | 58.7351% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 6,029 |
| Loan loss allowance to noncurrent loans | 417.7419% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 6,229 |
| Noncurrent loans to loans | 0.2424% | 6,001 |
| Net loans and leases to total assets | 77.7174% | 763 |
| Net loans and leases to deposits | 86.0759% | 1,591 |
| Net loans and leases to core deposits | 91.4839% | 1,827 |
| Total domestic deposits to total assets | 90.2894% | 686 |
| Equity capital to assets | 9.3729% | 5,374 |
| Core capital (leverage) ratio | 9.5079% | 4,258 |
| Tier 1 risk-based capital ratio | 10.8769% | 6,529 |
| Total risk-based capital ratio | 11.8030% | 6,633 |
| Memoranda: | ||
| Average total assets | $63,271,000 | 5,903 |
| Average earning assets | $56,402,750 | 5,921 |
| Average equity | $6,008,250 | 6,088 |
| Average total loans | $49,091,750 | 5,199 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 3,441 |
| Cost of funding earning assets | 0.7145% | 3,903 |
| Net interest margin | 3.8672% | 3,055 |
| Noninterest income to average assets | 0.1979% | 6,139 |
| Noninterest expense to average assets | 2.2443% | 5,893 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3249% | 1,375 |
| Return on assets (ROA) | 1.3249% | 1,525 |
| Pretax return on assets | 1.3919% | 2,229 |
| Return on Equity (ROE) | 13.8897% | 1,149 |
| Retained earnings to average equity (ytd only) | 4.6857% | 3,495 |
| Net charge-offs to loans | -0.0950% | 6,848 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7208% | 5,295 |
| Assets per employee ($millions) | 5.9280% | 1,283 |
| Cash dividends to net income (ytd only)* | 66.2651% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 5,913 |
| Loan loss allowance to noncurrent loans | 189.4161% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 4,597 |
| Noncurrent loans to loans | 0.5612% | 5,386 |
| Net loans and leases to total assets | 74.0783% | 1,232 |
| Net loans and leases to deposits | 81.8202% | 2,140 |
| Net loans and leases to core deposits | 86.9796% | 2,315 |
| Total domestic deposits to total assets | 90.5380% | 641 |
| Equity capital to assets | 9.1952% | 5,469 |
| Core capital (leverage) ratio | 9.2336% | 4,550 |
| Tier 1 risk-based capital ratio | 11.1014% | 6,448 |
| Total risk-based capital ratio | 12.0655% | 6,558 |
| Memoranda: | ||
| Average total assets | $62,646,330 | 5,958 |
| Average earning assets | $55,699,670 | 5,975 |
| Average equity | $5,975,670 | 6,126 |
| Average total loans | $48,406,670 | 5,258 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 3,011 |
| Cost of funding earning assets | 0.7355% | 3,981 |
| Net interest margin | 3.9763% | 2,603 |
| Noninterest income to average assets | 0.2477% | 5,873 |
| Noninterest expense to average assets | 2.2488% | 5,901 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4992% | 1,023 |
| Return on assets (ROA) | 1.4992% | 1,146 |
| Pretax return on assets | 1.5579% | 1,716 |
| Return on Equity (ROE) | 15.4220% | 902 |
| Retained earnings to average equity (ytd only) | 15.4220% | 411 |
| Net charge-offs to loans | -0.0249% | 6,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0753% | 5,761 |
| Assets per employee ($millions) | 5.7994% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 6,055 |
| Loan loss allowance to noncurrent loans | 1,188.0952% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 5,506 |
| Noncurrent loans to loans | 0.0890% | 6,537 |
| Net loans and leases to total assets | 73.1914% | 1,187 |
| Net loans and leases to deposits | 81.2116% | 2,033 |
| Net loans and leases to core deposits | 86.4616% | 2,235 |
| Total domestic deposits to total assets | 90.1243% | 1,014 |
| Equity capital to assets | 9.5308% | 4,756 |
| Core capital (leverage) ratio | 9.7063% | 3,762 |
| Tier 1 risk-based capital ratio | 13.2015% | 5,068 |
| Total risk-based capital ratio | 14.2873% | 5,155 |
| Memoranda: | ||
| Average total assets | $61,365,500 | 6,026 |
| Average earning assets | $54,925,000 | 6,038 |
| Average equity | $5,965,500 | 6,155 |
| Average total loans | $48,198,000 | 5,296 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8952% | 3,382 |
| Cost of funding earning assets | 1.0045% | 3,344 |
| Net interest margin | 3.8907% | 3,377 |
| Noninterest income to average assets | 0.2169% | 5,969 |
| Noninterest expense to average assets | 2.4963% | 5,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1495% | 1,670 |
| Return on assets (ROA) | 1.1528% | 1,770 |
| Pretax return on assets | 1.2000% | 2,456 |
| Return on Equity (ROE) | 11.7114% | 1,494 |
| Retained earnings to average equity (ytd only) | 6.8953% | 1,553 |
| Net charge-offs to loans | 0.0475% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 32.5714% | 789 |
| Efficiency ratio | 67.5983% | 4,441 |
| Assets per employee ($millions) | 4.9115% | 2,315 |
| Cash dividends to net income (ytd only)* | 41.1229% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,183 |
| Loan loss allowance to noncurrent loans | 1,209.7561% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 5,459 |
| Noncurrent loans to loans | 0.0833% | 6,603 |
| Net loans and leases to total assets | 82.6462% | 293 |
| Net loans and leases to deposits | 92.0655% | 965 |
| Net loans and leases to core deposits | 98.5933% | 1,293 |
| Total domestic deposits to total assets | 89.7689% | 1,119 |
| Equity capital to assets | 9.9274% | 4,257 |
| Core capital (leverage) ratio | 9.6723% | 3,771 |
| Tier 1 risk-based capital ratio | 10.9319% | 6,487 |
| Total risk-based capital ratio | 11.8610% | 6,616 |
| Memoranda: | ||
| Average total assets | $57,164,400 | 6,135 |
| Average earning assets | $51,070,000 | 6,158 |
| Average equity | $5,627,000 | 6,253 |
| Average total loans | $44,202,200 | 5,506 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 3,696 |
| Cost of funding earning assets | 1.0509% | 3,312 |
| Net interest margin | 3.8163% | 3,791 |
| Noninterest income to average assets | 0.2210% | 6,038 |
| Noninterest expense to average assets | 2.5504% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0345% | 2,199 |
| Return on assets (ROA) | 1.0390% | 2,335 |
| Pretax return on assets | 1.0813% | 3,092 |
| Return on Equity (ROE) | 10.5784% | 2,008 |
| Retained earnings to average equity (ytd only) | 5.3849% | 2,921 |
| Net charge-offs to loans | 0.0217% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 65.4502% | 502 |
| Efficiency ratio | 70.3176% | 3,905 |
| Assets per employee ($millions) | 4.7842% | 2,494 |
| Cash dividends to net income (ytd only)* | 49.0956% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,577 |
| Loan loss allowance to noncurrent loans | 784.6154% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 5,448 |
| Noncurrent loans to loans | 0.1494% | 6,573 |
| Net loans and leases to total assets | 74.8807% | 1,166 |
| Net loans and leases to deposits | 83.4074% | 2,108 |
| Net loans and leases to core deposits | 89.5063% | 2,312 |
| Total domestic deposits to total assets | 89.7770% | 992 |
| Equity capital to assets | 9.9164% | 4,455 |
| Core capital (leverage) ratio | 9.8226% | 3,681 |
| Tier 1 risk-based capital ratio | 14.7052% | 3,833 |
| Total risk-based capital ratio | 15.9570% | 3,812 |
| Memoranda: | ||
| Average total assets | $56,721,000 | 6,192 |
| Average earning assets | $50,623,250 | 6,216 |
| Average equity | $5,571,000 | 6,310 |
| Average total loans | $42,951,250 | 5,608 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 3,907 |
| Cost of funding earning assets | 1.1125% | 3,151 |
| Net interest margin | 3.7280% | 4,132 |
| Noninterest income to average assets | 0.2266% | 6,041 |
| Noninterest expense to average assets | 2.5561% | 5,334 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9737% | 2,342 |
| Return on assets (ROA) | 0.9771% | 2,426 |
| Pretax return on assets | 1.0196% | 3,166 |
| Return on Equity (ROE) | 9.9813% | 2,119 |
| Retained earnings to average equity (ytd only) | 4.0866% | 3,598 |
| Net charge-offs to loans | -0.0047% | 6,582 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5560% | 3,822 |
| Assets per employee ($millions) | 4.7933% | 2,416 |
| Cash dividends to net income (ytd only)* | 59.0580% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 5,432 |
| Loan loss allowance to noncurrent loans | 219.4915% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9805% | 4,904 |
| Noncurrent loans to loans | 0.5590% | 5,799 |
| Net loans and leases to total assets | 72.4978% | 1,687 |
| Net loans and leases to deposits | 80.5564% | 2,695 |
| Net loans and leases to core deposits | 86.9837% | 2,763 |
| Total domestic deposits to total assets | 89.9963% | 981 |
| Equity capital to assets | 9.7046% | 4,530 |
| Core capital (leverage) ratio | 9.6655% | 3,713 |
| Tier 1 risk-based capital ratio | 11.6360% | 6,071 |
| Total risk-based capital ratio | 12.7197% | 6,178 |
| Memoranda: | ||
| Average total assets | $56,491,330 | 6,248 |
| Average earning assets | $50,697,670 | 6,268 |
| Average equity | $5,530,330 | 6,359 |
| Average total loans | $42,768,670 | 5,670 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 3,825 |
| Cost of funding earning assets | 1.1863% | 2,906 |
| Net interest margin | 3.6623% | 4,272 |
| Noninterest income to average assets | 0.2215% | 6,148 |
| Noninterest expense to average assets | 2.5439% | 5,410 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9218% | 2,473 |
| Return on assets (ROA) | 0.9218% | 2,528 |
| Pretax return on assets | 0.9647% | 3,264 |
| Return on Equity (ROE) | 9.3741% | 2,324 |
| Retained earnings to average equity (ytd only) | 5.4501% | 2,935 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5051% | 3,769 |
| Assets per employee ($millions) | 4.7614% | 2,483 |
| Cash dividends to net income (ytd only)* | 41.8605% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 5,456 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 4,919 |
| Noncurrent loans to loans | 0.5621% | 5,901 |
| Net loans and leases to total assets | 72.2702% | 1,666 |
| Net loans and leases to deposits | 80.3163% | 2,658 |
| Net loans and leases to core deposits | 88.8365% | 2,501 |
| Total domestic deposits to total assets | 89.9820% | 1,157 |
| Equity capital to assets | 9.6977% | 4,182 |
| Core capital (leverage) ratio | 9.7216% | 3,492 |
| Tier 1 risk-based capital ratio | 9.5761% | 7,129 |
| Total risk-based capital ratio | 10.4724% | 7,199 |
| Memoranda: | ||
| Average total assets | $55,977,500 | 6,312 |
| Average earning assets | $50,241,500 | 6,337 |
| Average equity | $5,504,500 | 6,388 |
| Average total loans | $43,044,000 | 5,705 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 4,050 |
| Cost of funding earning assets | 1.3873% | 3,352 |
| Net interest margin | 3.7252% | 4,248 |
| Noninterest income to average assets | 0.2276% | 6,178 |
| Noninterest expense to average assets | 2.3599% | 6,196 |
| Loan and lease loss provision to assets | 0.3225% | 4,234 |
| Net operating income to assets | 0.8081% | 2,763 |
| Return on assets (ROA) | 0.8081% | 2,898 |
| Pretax return on assets | 0.8461% | 3,480 |
| Return on Equity (ROE) | 7.9725% | 2,704 |
| Retained earnings to average equity (ytd only) | 1.7405% | 4,638 |
| Net charge-offs to loans | 0.3203% | 4,420 |
| Credit loss provision to net charge-offs | 140.4959% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.0909% | 2,714 |
| Efficiency ratio | 66.8817% | 4,783 |
| Assets per employee ($millions) | 5.4818% | 1,600 |
| Cash dividends to net income (ytd only)* | 78.1690% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,649 |
| Loan loss allowance to noncurrent loans | 67.8478% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.9920% | 3,355 |
| Noncurrent loans to loans | 1.7209% | 3,920 |
| Net loans and leases to total assets | 79.8296% | 684 |
| Net loans and leases to deposits | 89.4945% | 1,591 |
| Net loans and leases to core deposits | 96.7415% | 1,920 |
| Total domestic deposits to total assets | 89.2006% | 1,539 |
| Equity capital to assets | 9.9748% | 3,777 |
| Core capital (leverage) ratio | 10.1556% | 2,922 |
| Tier 1 risk-based capital ratio | 11.0487% | 6,291 |
| Total risk-based capital ratio | 12.0970% | 6,422 |
| Memoranda: | ||
| Average total assets | $52,715,200 | 6,437 |
| Average earning assets | $46,709,400 | 6,488 |
| Average equity | $5,343,400 | 6,554 |
| Average total loans | $37,774,200 | 6,024 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 4,518 |
| Cost of funding earning assets | 1.4290% | 3,395 |
| Net interest margin | 3.6346% | 4,706 |
| Noninterest income to average assets | 0.2274% | 6,275 |
| Noninterest expense to average assets | 2.3401% | 6,202 |
| Loan and lease loss provision to assets | 0.4343% | 3,306 |
| Net operating income to assets | 0.6336% | 3,734 |
| Return on assets (ROA) | 0.6336% | 3,904 |
| Pretax return on assets | 0.6693% | 4,353 |
| Return on Equity (ROE) | 6.2245% | 3,717 |
| Retained earnings to average equity (ytd only) | -0.7780% | 5,979 |
| Net charge-offs to loans | 0.4463% | 3,525 |
| Credit loss provision to net charge-offs | 140.4959% | 2,822 |
| Earnings coverage of net charge-offs (x) | 3.5703% | 3,392 |
| Efficiency ratio | 67.9525% | 4,472 |
| Assets per employee ($millions) | 5.2263% | 1,900 |
| Cash dividends to net income (ytd only)* | 112.4992% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 4,705 |
| Loan loss allowance to noncurrent loans | 91.1817% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.7182% | 3,866 |
| Noncurrent loans to loans | 1.4827% | 4,410 |
| Net loans and leases to total assets | 72.1811% | 2,214 |
| Net loans and leases to deposits | 80.6896% | 3,323 |
| Net loans and leases to core deposits | 86.1495% | 3,628 |
| Total domestic deposits to total assets | 89.4553% | 1,144 |
| Equity capital to assets | 10.2348% | 3,833 |
| Core capital (leverage) ratio | 10.1657% | 3,077 |
| Tier 1 risk-based capital ratio | 12.0173% | 5,445 |
| Total risk-based capital ratio | 13.1841% | 5,499 |
| Memoranda: | ||
| Average total assets | $52,189,500 | 6,530 |
| Average earning assets | $46,184,250 | 6,585 |
| Average equity | $5,312,250 | 6,643 |
| Average total loans | $36,148,250 | 6,195 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 5,115 |
| Cost of funding earning assets | 1.4397% | 3,615 |
| Net interest margin | 3.5237% | 5,142 |
| Noninterest income to average assets | 0.2224% | 6,322 |
| Noninterest expense to average assets | 2.2812% | 6,400 |
| Loan and lease loss provision to assets | 0.6518% | 2,209 |
| Net operating income to assets | 0.3796% | 4,852 |
| Return on assets (ROA) | 0.3796% | 5,014 |
| Pretax return on assets | 0.4141% | 5,183 |
| Return on Equity (ROE) | 3.7358% | 4,907 |
| Retained earnings to average equity (ytd only) | -4.7547% | 6,527 |
| Net charge-offs to loans | 1.1227% | 1,687 |
| Credit loss provision to net charge-offs | 85.4271% | 4,557 |
| Earnings coverage of net charge-offs (x) | 1.3970% | 4,440 |
| Efficiency ratio | 68.1558% | 4,554 |
| Assets per employee ($millions) | 5.2268% | 1,896 |
| Cash dividends to net income (ytd only)* | 227.2727% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 5,304 |
| Loan loss allowance to noncurrent loans | 1,625.9259% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 5,473 |
| Noncurrent loans to loans | 0.0755% | 7,120 |
| Net loans and leases to total assets | 67.5614% | 3,482 |
| Net loans and leases to deposits | 75.4036% | 4,437 |
| Net loans and leases to core deposits | 80.6564% | 4,605 |
| Total domestic deposits to total assets | 89.5998% | 1,126 |
| Equity capital to assets | 10.0444% | 3,964 |
| Core capital (leverage) ratio | 9.8249% | 3,368 |
| Tier 1 risk-based capital ratio | 12.4634% | 4,895 |
| Total risk-based capital ratio | 13.5095% | 5,044 |
| Memoranda: | ||
| Average total assets | $52,165,000 | 6,578 |
| Average earning assets | $46,258,670 | 6,623 |
| Average equity | $5,300,000 | 6,684 |
| Average total loans | $35,450,670 | 6,268 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 5,365 |
| Cost of funding earning assets | 1.4491% | 3,887 |
| Net interest margin | 3.4708% | 5,284 |
| Noninterest income to average assets | 0.2379% | 6,251 |
| Noninterest expense to average assets | 2.2720% | 6,474 |
| Loan and lease loss provision to assets | 0.3838% | 3,063 |
| Net operating income to assets | 0.6140% | 3,839 |
| Return on assets (ROA) | 0.6140% | 3,982 |
| Pretax return on assets | 0.6524% | 4,400 |
| Return on Equity (ROE) | 6.0094% | 3,880 |
| Retained earnings to average equity (ytd only) | -6.8357% | 6,722 |
| Net charge-offs to loans | 2.2096% | 772 |
| Credit loss provision to net charge-offs | 25.6410% | 4,883 |
| Earnings coverage of net charge-offs (x) | 0.6923% | 4,411 |
| Efficiency ratio | 68.6775% | 4,581 |
| Assets per employee ($millions) | 5.2604% | 1,902 |
| Cash dividends to net income (ytd only)* | 213.7500% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 6,742 |
| Loan loss allowance to noncurrent loans | 4,614.2857% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 5,577 |
| Noncurrent loans to loans | 0.0201% | 7,364 |
| Net loans and leases to total assets | 65.4741% | 3,994 |
| Net loans and leases to deposits | 73.0849% | 4,891 |
| Net loans and leases to core deposits | 78.8489% | 4,913 |
| Total domestic deposits to total assets | 89.5863% | 1,184 |
| Equity capital to assets | 10.0316% | 3,825 |
| Core capital (leverage) ratio | 10.0162% | 3,148 |
| Tier 1 risk-based capital ratio | 12.7621% | 4,512 |
| Total risk-based capital ratio | 13.5450% | 4,865 |
| Memoranda: | ||
| Average total assets | $52,113,500 | 6,663 |
| Average earning assets | $46,099,000 | 6,704 |
| Average equity | $5,325,000 | 6,731 |
| Average total loans | $35,300,000 | 6,351 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3966% | 4,714 |
| Cost of funding earning assets | 2.0100% | 2,919 |
| Net interest margin | 3.3866% | 5,420 |
| Noninterest income to average assets | 0.2210% | 6,533 |
| Noninterest expense to average assets | 2.4818% | 6,200 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6015% | 3,327 |
| Return on assets (ROA) | 0.6015% | 3,400 |
| Pretax return on assets | 0.6486% | 3,746 |
| Return on Equity (ROE) | 5.5071% | 3,419 |
| Retained earnings to average equity (ytd only) | 0.3372% | 4,723 |
| Net charge-offs to loans | -0.0030% | 7,704 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2810% | 2,995 |
| Assets per employee ($millions) | 5.1623% | 1,994 |
| Cash dividends to net income (ytd only)* | 93.8776% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 4,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 5,510 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.5102% | 3,589 |
| Net loans and leases to deposits | 76.8197% | 4,604 |
| Net loans and leases to core deposits | 100.0538% | 3,995 |
| Total domestic deposits to total assets | 89.1831% | 1,396 |
| Equity capital to assets | 10.4082% | 3,275 |
| Core capital (leverage) ratio | 10.5081% | 2,596 |
| Tier 1 risk-based capital ratio | 12.7387% | 4,338 |
| Total risk-based capital ratio | 13.8518% | 4,386 |
| Memoranda: | ||
| Average total assets | $48,875,800 | 6,755 |
| Average earning assets | $41,989,600 | 6,861 |
| Average equity | $5,338,600 | 6,827 |
| Average total loans | $33,330,600 | 6,439 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4665% | 4,594 |
| Cost of funding earning assets | 2.1242% | 2,778 |
| Net interest margin | 3.3423% | 5,478 |
| Noninterest income to average assets | 0.2020% | 6,771 |
| Noninterest expense to average assets | 2.4044% | 6,403 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5976% | 3,611 |
| Return on assets (ROA) | 0.5976% | 3,666 |
| Pretax return on assets | 0.6447% | 4,039 |
| Return on Equity (ROE) | 5.4032% | 3,789 |
| Retained earnings to average equity (ytd only) | -0.1501% | 5,246 |
| Net charge-offs to loans | -0.0122% | 7,710 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8566% | 3,016 |
| Assets per employee ($millions) | 4.9258% | 2,232 |
| Cash dividends to net income (ytd only)* | 102.7779% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 3,863 |
| Loan loss allowance to noncurrent loans | 23,500.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.8587% | 5,372 |
| Noncurrent loans to loans | 0.0060% | 7,517 |
| Net loans and leases to total assets | 66.4562% | 4,318 |
| Net loans and leases to deposits | 74.9256% | 5,221 |
| Net loans and leases to core deposits | 96.2568% | 4,782 |
| Total domestic deposits to total assets | 88.6963% | 1,342 |
| Equity capital to assets | 10.8612% | 3,150 |
| Core capital (leverage) ratio | 10.7809% | 2,571 |
| Tier 1 risk-based capital ratio | 13.4789% | 3,863 |
| Total risk-based capital ratio | 14.6671% | 3,849 |
| Memoranda: | ||
| Average total assets | $48,189,000 | 6,828 |
| Average earning assets | $41,049,000 | 6,956 |
| Average equity | $5,330,000 | 6,895 |
| Average total loans | $32,704,500 | 6,529 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 4,917 |
| Cost of funding earning assets | 2.2070% | 2,762 |
| Net interest margin | 3.2373% | 5,780 |
| Noninterest income to average assets | 0.1923% | 6,916 |
| Noninterest expense to average assets | 2.3415% | 6,641 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5770% | 3,781 |
| Return on assets (ROA) | 0.5770% | 3,888 |
| Pretax return on assets | 0.6230% | 4,253 |
| Return on Equity (ROE) | 5.1847% | 4,000 |
| Retained earnings to average equity (ytd only) | -1.1271% | 5,517 |
| Net charge-offs to loans | -0.0184% | 7,683 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9845% | 3,197 |
| Assets per employee ($millions) | 4.9798% | 2,098 |
| Cash dividends to net income (ytd only)* | 121.7391% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 3,591 |
| Loan loss allowance to noncurrent loans | 345.5882% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 4,982 |
| Noncurrent loans to loans | 0.4130% | 6,477 |
| Net loans and leases to total assets | 65.1833% | 4,723 |
| Net loans and leases to deposits | 73.3493% | 5,560 |
| Net loans and leases to core deposits | 90.6274% | 5,484 |
| Total domestic deposits to total assets | 88.8670% | 1,337 |
| Equity capital to assets | 10.6771% | 3,223 |
| Core capital (leverage) ratio | 10.6683% | 2,690 |
| Tier 1 risk-based capital ratio | 13.4741% | 3,828 |
| Total risk-based capital ratio | 14.6672% | 3,802 |
| Memoranda: | ||
| Average total assets | $47,832,670 | 6,909 |
| Average earning assets | $40,959,670 | 7,017 |
| Average equity | $5,323,330 | 6,954 |
| Average total loans | $32,537,670 | 6,587 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 4,917 |
| Cost of funding earning assets | 2.2746% | 2,816 |
| Net interest margin | 3.2241% | 5,781 |
| Noninterest income to average assets | 0.2049% | 6,826 |
| Noninterest expense to average assets | 2.4077% | 6,166 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5379% | 4,268 |
| Return on assets (ROA) | 0.5379% | 4,457 |
| Pretax return on assets | 0.5806% | 4,817 |
| Return on Equity (ROE) | 4.7311% | 4,589 |
| Retained earnings to average equity (ytd only) | -3.8299% | 6,407 |
| Net charge-offs to loans | -0.0124% | 7,323 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5714% | 2,732 |
| Assets per employee ($millions) | 4.7522% | 2,359 |
| Cash dividends to net income (ytd only)* | 180.9524% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 2,933 |
| Loan loss allowance to noncurrent loans | 492.6316% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 4,776 |
| Noncurrent loans to loans | 0.3063% | 6,670 |
| Net loans and leases to total assets | 64.2860% | 4,936 |
| Net loans and leases to deposits | 72.7658% | 5,647 |
| Net loans and leases to core deposits | 88.9374% | 5,654 |
| Total domestic deposits to total assets | 88.3465% | 1,553 |
| Equity capital to assets | 11.1548% | 2,849 |
| Core capital (leverage) ratio | 11.3817% | 2,222 |
| Tier 1 risk-based capital ratio | 14.1583% | 3,495 |
| Total risk-based capital ratio | 15.4091% | 3,424 |
| Memoranda: | ||
| Average total assets | $46,850,000 | 6,997 |
| Average earning assets | $40,446,000 | 7,080 |
| Average equity | $5,326,500 | 6,994 |
| Average total loans | $32,341,500 | 6,626 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1442% | 4,804 |
| Cost of funding earning assets | 2.5890% | 3,732 |
| Net interest margin | 3.5552% | 5,073 |
| Noninterest income to average assets | 0.2520% | 6,649 |
| Noninterest expense to average assets | 2.7100% | 5,227 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7181% | 3,814 |
| Return on assets (ROA) | 0.7203% | 3,633 |
| Pretax return on assets | 0.7631% | 4,201 |
| Return on Equity (ROE) | 5.7056% | 4,065 |
| Retained earnings to average equity (ytd only) | 1.6382% | 4,229 |
| Net charge-offs to loans | -0.2077% | 8,170 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0822% | 2,904 |
| Assets per employee ($millions) | 4.6178% | 2,452 |
| Cash dividends to net income (ytd only)* | 71.2871% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 3,275 |
| Loan loss allowance to noncurrent loans | 667.1429% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.9593% | 4,432 |
| Noncurrent loans to loans | 0.2079% | 6,763 |
| Net loans and leases to total assets | 71.8914% | 3,613 |
| Net loans and leases to deposits | 81.8068% | 4,756 |
| Net loans and leases to core deposits | 100.2053% | 4,808 |
| Total domestic deposits to total assets | 87.8795% | 1,524 |
| Equity capital to assets | 11.5899% | 2,578 |
| Core capital (leverage) ratio | 12.0681% | 1,933 |
| Tier 1 risk-based capital ratio | 13.5629% | 3,780 |
| Total risk-based capital ratio | 14.7497% | 3,718 |
| Memoranda: | ||
| Average total assets | $42,066,000 | 7,124 |
| Average earning assets | $38,084,600 | 7,130 |
| Average equity | $5,310,600 | 7,038 |
| Average total loans | $30,821,000 | 6,657 |