Home > Midland Community Bank > Performance and Condition Ratios
Midland Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 3,571 |
| Cost of funding earning assets | 1.2468% | 3,680 |
| Net interest margin | 3.4848% | 2,348 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 2.8481% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8749% | 2,647 |
| Return on assets (ROA) | 0.8749% | 2,659 |
| Pretax return on assets | 1.2249% | 2,174 |
| Return on Equity (ROE) | 6.6600% | 3,208 |
| Retained earnings to average equity (ytd only) | 6.6598% | 2,099 |
| Net charge-offs to loans | -0.1506% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 69.9259% | 1,821 |
| Assets per employee ($millions) | 5.1504% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6053% | 4,164 |
| Loan loss allowance to noncurrent loans | 336.0000% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 2,948 |
| Noncurrent loans to loans | 0.1802% | 2,851 |
| Net loans and leases to total assets | 61.8000% | 2,717 |
| Net loans and leases to deposits | 71.5927% | 2,761 |
| Net loans and leases to core deposits | 75.6311% | 2,979 |
| Total domestic deposits to total assets | 86.3200% | 2,184 |
| Equity capital to assets | 13.3523% | 843 |
| Core capital (leverage) ratio | 15.4220% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6467% | 479 |
| Memoranda: | ||
| Average total assets | $66,290,000 | 4,076 |
| Average earning assets | $64,164,500 | 4,029 |
| Average equity | $8,709,000 | 3,916 |
| Average total loans | $42,507,500 | 3,931 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 3,574 |
| Cost of funding earning assets | 1.2333% | 3,775 |
| Net interest margin | 3.4791% | 2,125 |
| Noninterest income to average assets | 0.7500% | 1,034 |
| Noninterest expense to average assets | 3.1517% | 930 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.6416% | 3,124 |
| Return on assets (ROA) | 0.6312% | 3,177 |
| Pretax return on assets | 0.9207% | 2,750 |
| Return on Equity (ROE) | 5.1100% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.2837% | 2,923 |
| Net charge-offs to loans | 0.1875% | 743 |
| Credit loss provision to net charge-offs | 9.3023% | 2,513 |
| Earnings coverage of net charge-offs (x) | 7.5581% | 2,430 |
| Efficiency ratio | 76.9258% | 1,289 |
| Assets per employee ($millions) | 5.0481% | 3,606 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5440% | 4,243 |
| Loan loss allowance to noncurrent loans | 110.7981% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 1,816 |
| Noncurrent loans to loans | 0.4909% | 1,851 |
| Net loans and leases to total assets | 65.7500% | 2,391 |
| Net loans and leases to deposits | 76.0674% | 2,453 |
| Net loans and leases to core deposits | 80.3748% | 2,752 |
| Total domestic deposits to total assets | 86.4400% | 2,068 |
| Equity capital to assets | 12.9189% | 907 |
| Core capital (leverage) ratio | 15.0920% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3266% | 570 |
| Memoranda: | ||
| Average total assets | $68,755,600 | 4,059 |
| Average earning assets | $66,166,600 | 4,016 |
| Average equity | $8,496,600 | 3,924 |
| Average total loans | $45,870,000 | 3,877 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 3,561 |
| Cost of funding earning assets | 1.1946% | 3,825 |
| Net interest margin | 3.4962% | 2,032 |
| Noninterest income to average assets | 0.7300% | 1,048 |
| Noninterest expense to average assets | 3.0870% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7192% | 2,932 |
| Return on assets (ROA) | 0.7056% | 2,998 |
| Pretax return on assets | 0.9874% | 2,587 |
| Return on Equity (ROE) | 5.7700% | 3,370 |
| Retained earnings to average equity (ytd only) | 5.7716% | 2,179 |
| Net charge-offs to loans | 0.1090% | 934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 13.7895% | 1,980 |
| Efficiency ratio | 75.4452% | 1,448 |
| Assets per employee ($millions) | 5.2278% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 4,236 |
| Loan loss allowance to noncurrent loans | 85.1852% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,399 |
| Noncurrent loans to loans | 0.6955% | 1,410 |
| Net loans and leases to total assets | 68.1400% | 2,070 |
| Net loans and leases to deposits | 79.4612% | 2,236 |
| Net loans and leases to core deposits | 83.8190% | 2,580 |
| Total domestic deposits to total assets | 85.7500% | 2,026 |
| Equity capital to assets | 13.4737% | 841 |
| Core capital (leverage) ratio | 15.2419% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3207% | 655 |
| Memoranda: | ||
| Average total assets | $69,538,250 | 4,066 |
| Average earning assets | $66,852,750 | 4,025 |
| Average equity | $8,501,250 | 3,936 |
| Average total loans | $46,491,000 | 3,879 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 3,607 |
| Cost of funding earning assets | 1.1277% | 3,888 |
| Net interest margin | 3.4933% | 1,975 |
| Noninterest income to average assets | 0.7400% | 995 |
| Noninterest expense to average assets | 2.9659% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7967% | 2,638 |
| Return on assets (ROA) | 0.7764% | 2,724 |
| Pretax return on assets | 1.0961% | 2,223 |
| Return on Equity (ROE) | 6.5700% | 3,107 |
| Retained earnings to average equity (ytd only) | 6.5679% | 1,795 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 72.5559% | 1,797 |
| Assets per employee ($millions) | 5.3151% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6841% | 4,132 |
| Loan loss allowance to noncurrent loans | 61.2086% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 889 |
| Noncurrent loans to loans | 1.1177% | 815 |
| Net loans and leases to total assets | 65.9700% | 2,357 |
| Net loans and leases to deposits | 75.3941% | 2,595 |
| Net loans and leases to core deposits | 77.4382% | 2,954 |
| Total domestic deposits to total assets | 87.5000% | 1,481 |
| Equity capital to assets | 12.2612% | 1,079 |
| Core capital (leverage) ratio | 15.0503% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4720% | 635 |
| Memoranda: | ||
| Average total assets | $70,063,667 | 4,078 |
| Average earning assets | $67,215,333 | 4,042 |
| Average equity | $8,282,667 | 3,945 |
| Average total loans | $46,459,333 | 3,894 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 3,658 |
| Cost of funding earning assets | 1.0572% | 3,928 |
| Net interest margin | 3.4551% | 1,985 |
| Noninterest income to average assets | 0.7400% | 938 |
| Noninterest expense to average assets | 2.8860% | 1,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8625% | 2,351 |
| Return on assets (ROA) | 0.8221% | 2,491 |
| Pretax return on assets | 1.1170% | 2,098 |
| Return on Equity (ROE) | 7.0800% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.0835% | 1,808 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.1888% | 2,021 |
| Assets per employee ($millions) | 5.3899% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 4,152 |
| Loan loss allowance to noncurrent loans | 23.2077% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.9310% | 171 |
| Noncurrent loans to loans | 2.8831% | 180 |
| Net loans and leases to total assets | 66.5300% | 2,182 |
| Net loans and leases to deposits | 77.0161% | 2,333 |
| Net loans and leases to core deposits | 78.8104% | 2,809 |
| Total domestic deposits to total assets | 86.3800% | 1,974 |
| Equity capital to assets | 11.6771% | 1,235 |
| Core capital (leverage) ratio | 14.6679% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7916% | 717 |
| Memoranda: | ||
| Average total assets | $70,547,500 | 4,098 |
| Average earning assets | $67,725,500 | 4,060 |
| Average equity | $8,188,000 | 3,975 |
| Average total loans | $46,740,000 | 3,904 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,574 |
| Cost of funding earning assets | 0.7198% | 3,897 |
| Net interest margin | 3.5102% | 2,160 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.5836% | 2,057 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0417% | 2,092 |
| Return on assets (ROA) | 1.0417% | 2,065 |
| Pretax return on assets | 1.4319% | 1,569 |
| Return on Equity (ROE) | 9.8500% | 2,542 |
| Retained earnings to average equity (ytd only) | 5.9210% | 2,280 |
| Net charge-offs to loans | 0.0615% | 1,236 |
| Credit loss provision to net charge-offs | 48.2759% | 2,200 |
| Earnings coverage of net charge-offs (x) | 37.3103% | 1,490 |
| Efficiency ratio | 64.0412% | 2,599 |
| Assets per employee ($millions) | 5.0733% | 3,579 |
| Cash dividends to net income (ytd only)* | 39.8970% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 4,157 |
| Loan loss allowance to noncurrent loans | 63.3065% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 746 |
| Noncurrent loans to loans | 1.0655% | 688 |
| Net loans and leases to total assets | 65.1000% | 2,357 |
| Net loans and leases to deposits | 73.7601% | 2,632 |
| Net loans and leases to core deposits | 75.4020% | 3,010 |
| Total domestic deposits to total assets | 88.2600% | 1,267 |
| Equity capital to assets | 11.5366% | 1,272 |
| Core capital (leverage) ratio | 14.2370% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0439% | 687 |
| Memoranda: | ||
| Average total assets | $74,587,000 | 4,071 |
| Average earning assets | $71,962,600 | 4,019 |
| Average equity | $7,887,200 | 3,942 |
| Average total loans | $47,186,600 | 3,883 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 3,570 |
| Cost of funding earning assets | 0.6513% | 3,864 |
| Net interest margin | 3.4925% | 2,227 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.5137% | 2,191 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9857% | 2,410 |
| Return on assets (ROA) | 0.9857% | 2,398 |
| Pretax return on assets | 1.4786% | 1,608 |
| Return on Equity (ROE) | 9.5300% | 2,793 |
| Retained earnings to average equity (ytd only) | 9.5254% | 1,544 |
| Net charge-offs to loans | 0.0817% | 906 |
| Credit loss provision to net charge-offs | 48.2759% | 1,902 |
| Earnings coverage of net charge-offs (x) | 29.3448% | 1,601 |
| Efficiency ratio | 62.5770% | 2,653 |
| Assets per employee ($millions) | 5.9548% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 4,186 |
| Loan loss allowance to noncurrent loans | 51.3072% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 638 |
| Noncurrent loans to loans | 1.2989% | 588 |
| Net loans and leases to total assets | 65.4900% | 2,294 |
| Net loans and leases to deposits | 74.1613% | 2,549 |
| Net loans and leases to core deposits | 75.4891% | 2,898 |
| Total domestic deposits to total assets | 88.3100% | 1,470 |
| Equity capital to assets | 10.8553% | 1,406 |
| Core capital (leverage) ratio | 14.1300% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9026% | 710 |
| Memoranda: | ||
| Average total assets | $75,477,250 | 4,074 |
| Average earning assets | $72,878,250 | 4,020 |
| Average equity | $7,810,500 | 3,949 |
| Average total loans | $47,345,250 | 3,888 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 3,544 |
| Cost of funding earning assets | 0.5925% | 3,774 |
| Net interest margin | 3.4796% | 2,315 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.4838% | 2,251 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0258% | 2,334 |
| Return on assets (ROA) | 1.0258% | 2,328 |
| Pretax return on assets | 1.4762% | 1,643 |
| Return on Equity (ROE) | 10.0700% | 2,677 |
| Retained earnings to average equity (ytd only) | 10.0660% | 1,386 |
| Net charge-offs to loans | 0.1223% | 595 |
| Credit loss provision to net charge-offs | 48.2759% | 1,681 |
| Earnings coverage of net charge-offs (x) | 20.0345% | 1,738 |
| Efficiency ratio | 62.1498% | 2,697 |
| Assets per employee ($millions) | 4.9694% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6864% | 4,206 |
| Loan loss allowance to noncurrent loans | 153.9216% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 1,835 |
| Noncurrent loans to loans | 0.4460% | 1,605 |
| Net loans and leases to total assets | 60.9500% | 2,681 |
| Net loans and leases to deposits | 68.3440% | 2,903 |
| Net loans and leases to core deposits | 69.4951% | 3,159 |
| Total domestic deposits to total assets | 89.1800% | 1,183 |
| Equity capital to assets | 10.6733% | 1,519 |
| Core capital (leverage) ratio | 13.2784% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2024% | 695 |
| Memoranda: | ||
| Average total assets | $76,817,000 | 4,078 |
| Average earning assets | $74,260,667 | 4,023 |
| Average equity | $7,828,333 | 3,967 |
| Average total loans | $47,422,000 | 3,893 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 3,515 |
| Cost of funding earning assets | 0.5522% | 3,525 |
| Net interest margin | 3.4141% | 2,596 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.4322% | 2,435 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9852% | 2,577 |
| Return on assets (ROA) | 0.9852% | 2,545 |
| Pretax return on assets | 1.4213% | 1,833 |
| Return on Equity (ROE) | 9.8900% | 2,817 |
| Retained earnings to average equity (ytd only) | 9.8912% | 1,727 |
| Net charge-offs to loans | 0.1160% | 542 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 20.7857% | 1,439 |
| Efficiency ratio | 61.9608% | 2,705 |
| Assets per employee ($millions) | 5.5647% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 4,251 |
| Loan loss allowance to noncurrent loans | 124.6212% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 1,287 |
| Noncurrent loans to loans | 0.5565% | 1,328 |
| Net loans and leases to total assets | 60.4700% | 2,597 |
| Net loans and leases to deposits | 67.4609% | 2,817 |
| Net loans and leases to core deposits | 68.5416% | 3,053 |
| Total domestic deposits to total assets | 89.6400% | 1,285 |
| Equity capital to assets | 10.0968% | 1,770 |
| Core capital (leverage) ratio | 12.9439% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2530% | 813 |
| Memoranda: | ||
| Average total assets | $77,955,000 | 4,129 |
| Average earning assets | $75,334,500 | 4,066 |
| Average equity | $7,764,500 | 4,024 |
| Average total loans | $48,260,500 | 3,931 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4762% | 3,141 |
| Cost of funding earning assets | 0.3436% | 2,530 |
| Net interest margin | 3.1326% | 3,078 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 1.7580% | 4,080 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3679% | 1,215 |
| Return on assets (ROA) | 1.3679% | 1,173 |
| Pretax return on assets | 1.9127% | 567 |
| Return on Equity (ROE) | 14.9500% | 1,264 |
| Retained earnings to average equity (ytd only) | 11.0377% | 879 |
| Net charge-offs to loans | 0.0216% | 1,642 |
| Credit loss provision to net charge-offs | 436.3636% | 737 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 772 |
| Efficiency ratio | 47.1809% | 4,290 |
| Assets per employee ($millions) | 5.5717% | 3,150 |
| Cash dividends to net income (ytd only)* | 26.1603% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 4,253 |
| Loan loss allowance to noncurrent loans | 51.7296% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 578 |
| Noncurrent loans to loans | 1.2958% | 528 |
| Net loans and leases to total assets | 62.5000% | 2,384 |
| Net loans and leases to deposits | 69.3924% | 2,632 |
| Net loans and leases to core deposits | 70.4533% | 2,845 |
| Total domestic deposits to total assets | 90.0700% | 1,333 |
| Equity capital to assets | 9.8239% | 1,805 |
| Core capital (leverage) ratio | 10.8302% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4305% | 905 |
| Memoranda: | ||
| Average total assets | $86,631,000 | 4,053 |
| Average earning assets | $84,403,200 | 3,987 |
| Average equity | $7,927,400 | 4,105 |
| Average total loans | $51,020,600 | 3,873 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2435% | 3,322 |
| Cost of funding earning assets | 0.2956% | 2,222 |
| Net interest margin | 2.9479% | 3,363 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 1.7615% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2599% | 1,495 |
| Return on assets (ROA) | 1.2599% | 1,461 |
| Pretax return on assets | 1.8125% | 713 |
| Return on Equity (ROE) | 13.9900% | 1,432 |
| Retained earnings to average equity (ytd only) | 13.9944% | 466 |
| Net charge-offs to loans | 0.0259% | 1,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 120.7000% | 842 |
| Efficiency ratio | 49.2857% | 4,198 |
| Assets per employee ($millions) | 9.6935% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5492% | 4,431 |
| Loan loss allowance to noncurrent loans | 50.9946% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 1,006 |
| Noncurrent loans to loans | 1.0771% | 701 |
| Net loans and leases to total assets | 47.8900% | 3,636 |
| Net loans and leases to deposits | 51.5830% | 3,760 |
| Net loans and leases to core deposits | 52.2754% | 3,843 |
| Total domestic deposits to total assets | 92.8300% | 624 |
| Equity capital to assets | 7.0300% | 3,503 |
| Core capital (leverage) ratio | 11.8481% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1280% | 2,004 |
| Memoranda: | ||
| Average total assets | $88,787,750 | 4,057 |
| Average earning assets | $86,611,750 | 3,987 |
| Average equity | $7,993,500 | 4,134 |
| Average total loans | $51,505,250 | 3,890 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 2,614 |
| Cost of funding earning assets | 0.2797% | 1,913 |
| Net interest margin | 3.0592% | 2,683 |
| Noninterest income to average assets | 0.7919% | 1,064 |
| Noninterest expense to average assets | 2.1777% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3206% | 1,090 |
| Return on assets (ROA) | 1.3206% | 1,068 |
| Pretax return on assets | 1.5982% | 939 |
| Return on Equity (ROE) | 13.4080% | 1,268 |
| Retained earnings to average equity (ytd only) | 13.4080% | 421 |
| Net charge-offs to loans | 0.0039% | 1,888 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 662.0000% | 207 |
| Efficiency ratio | 57.6726% | 3,607 |
| Assets per employee ($millions) | 6.9356% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 4,482 |
| Loan loss allowance to noncurrent loans | 82.2034% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 1,338 |
| Noncurrent loans to loans | 0.7072% | 1,220 |
| Net loans and leases to total assets | 59.7967% | 2,344 |
| Net loans and leases to deposits | 65.7859% | 2,563 |
| Net loans and leases to core deposits | 67.2009% | 2,722 |
| Total domestic deposits to total assets | 90.8960% | 1,280 |
| Equity capital to assets | 8.9779% | 2,398 |
| Core capital (leverage) ratio | 11.0128% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9392% | 2,085 |
| Memoranda: | ||
| Average total assets | $82,841,000 | 4,163 |
| Average earning assets | $80,806,333 | 4,110 |
| Average equity | $8,159,333 | 4,186 |
| Average total loans | $51,559,333 | 3,936 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2881% | 2,422 |
| Cost of funding earning assets | 0.2769% | 1,853 |
| Net interest margin | 3.0112% | 2,467 |
| Noninterest income to average assets | 0.7405% | 1,190 |
| Noninterest expense to average assets | 1.8585% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2729% | 1,066 |
| Return on assets (ROA) | 1.2729% | 1,060 |
| Pretax return on assets | 1.8294% | 515 |
| Return on Equity (ROE) | 12.3721% | 1,202 |
| Retained earnings to average equity (ytd only) | 12.3721% | 545 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3937% | 4,296 |
| Assets per employee ($millions) | 7.6109% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5608% | 4,537 |
| Loan loss allowance to noncurrent loans | 100.6897% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 1,721 |
| Noncurrent loans to loans | 0.5569% | 1,647 |
| Net loans and leases to total assets | 61.8490% | 1,881 |
| Net loans and leases to deposits | 68.7713% | 2,073 |
| Net loans and leases to core deposits | 70.2559% | 2,274 |
| Total domestic deposits to total assets | 89.9343% | 1,605 |
| Equity capital to assets | 9.8089% | 2,043 |
| Core capital (leverage) ratio | 10.8537% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5121% | 2,411 |
| Memoranda: | ||
| Average total assets | $82,648,000 | 4,184 |
| Average earning assets | $80,898,500 | 4,129 |
| Average equity | $8,503,000 | 4,210 |
| Average total loans | $52,310,000 | 3,938 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2500% | 3,344 |
| Cost of funding earning assets | 0.3255% | 2,158 |
| Net interest margin | 2.9245% | 3,388 |
| Noninterest income to average assets | 1.2849% | 646 |
| Noninterest expense to average assets | 1.9482% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5905% | 836 |
| Return on assets (ROA) | 1.5905% | 867 |
| Pretax return on assets | 2.1968% | 414 |
| Return on Equity (ROE) | 14.6355% | 1,038 |
| Retained earnings to average equity (ytd only) | 11.0175% | 697 |
| Net charge-offs to loans | 0.0178% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 192.4444% | 560 |
| Efficiency ratio | 47.0012% | 4,455 |
| Assets per employee ($millions) | 6.7980% | 2,070 |
| Cash dividends to net income (ytd only)* | 24.7209% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5557% | 4,579 |
| Loan loss allowance to noncurrent loans | 84.3931% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 1,545 |
| Noncurrent loans to loans | 0.6584% | 1,519 |
| Net loans and leases to total assets | 64.0581% | 1,693 |
| Net loans and leases to deposits | 71.9631% | 1,914 |
| Net loans and leases to core deposits | 73.8507% | 2,093 |
| Total domestic deposits to total assets | 89.0152% | 1,509 |
| Equity capital to assets | 10.7801% | 1,949 |
| Core capital (leverage) ratio | 10.9377% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3598% | 2,507 |
| Memoranda: | ||
| Average total assets | $78,841,200 | 4,233 |
| Average earning assets | $77,108,000 | 4,170 |
| Average equity | $8,568,200 | 4,283 |
| Average total loans | $50,581,400 | 3,986 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2530% | 3,506 |
| Cost of funding earning assets | 0.3403% | 2,199 |
| Net interest margin | 2.9127% | 3,528 |
| Noninterest income to average assets | 1.3118% | 687 |
| Noninterest expense to average assets | 1.9925% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5063% | 1,257 |
| Return on assets (ROA) | 1.5063% | 1,305 |
| Pretax return on assets | 2.1665% | 584 |
| Return on Equity (ROE) | 13.8315% | 1,435 |
| Retained earnings to average equity (ytd only) | 13.8315% | 523 |
| Net charge-offs to loans | -0.0080% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9081% | 4,369 |
| Assets per employee ($millions) | 5.9754% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5817% | 4,642 |
| Loan loss allowance to noncurrent loans | 102.3569% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 1,914 |
| Noncurrent loans to loans | 0.5683% | 1,887 |
| Net loans and leases to total assets | 66.8885% | 1,444 |
| Net loans and leases to deposits | 75.9179% | 1,680 |
| Net loans and leases to core deposits | 78.0317% | 1,892 |
| Total domestic deposits to total assets | 88.1063% | 1,773 |
| Equity capital to assets | 11.4727% | 1,701 |
| Core capital (leverage) ratio | 11.2478% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6247% | 2,498 |
| Memoranda: | ||
| Average total assets | $78,157,500 | 4,295 |
| Average earning assets | $76,399,500 | 4,230 |
| Average equity | $8,511,750 | 4,350 |
| Average total loans | $50,089,750 | 4,054 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2093% | 3,661 |
| Cost of funding earning assets | 0.3577% | 2,249 |
| Net interest margin | 2.8515% | 3,677 |
| Noninterest income to average assets | 1.4480% | 577 |
| Noninterest expense to average assets | 2.0200% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5399% | 1,192 |
| Return on assets (ROA) | 1.5399% | 1,254 |
| Pretax return on assets | 2.2166% | 559 |
| Return on Equity (ROE) | 14.3943% | 1,308 |
| Retained earnings to average equity (ytd only) | 14.3943% | 499 |
| Net charge-offs to loans | -0.0122% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6793% | 4,411 |
| Assets per employee ($millions) | 5.4832% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5994% | 4,660 |
| Loan loss allowance to noncurrent loans | 110.5455% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 2,167 |
| Noncurrent loans to loans | 0.5422% | 2,046 |
| Net loans and leases to total assets | 65.6732% | 1,731 |
| Net loans and leases to deposits | 74.1862% | 1,978 |
| Net loans and leases to core deposits | 76.2624% | 2,214 |
| Total domestic deposits to total assets | 88.5247% | 1,550 |
| Equity capital to assets | 11.1444% | 1,880 |
| Core capital (leverage) ratio | 10.5677% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6914% | 2,480 |
| Memoranda: | ||
| Average total assets | $78,316,667 | 4,316 |
| Average earning assets | $76,590,667 | 4,252 |
| Average equity | $8,378,333 | 4,383 |
| Average total loans | $49,365,333 | 4,097 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1663% | 3,743 |
| Cost of funding earning assets | 0.3926% | 2,155 |
| Net interest margin | 2.7737% | 3,823 |
| Noninterest income to average assets | 1.6234% | 531 |
| Noninterest expense to average assets | 1.9420% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6639% | 1,002 |
| Return on assets (ROA) | 1.6639% | 1,049 |
| Pretax return on assets | 2.3972% | 523 |
| Return on Equity (ROE) | 15.8745% | 1,045 |
| Retained earnings to average equity (ytd only) | 15.8745% | 535 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7552% | 4,540 |
| Assets per employee ($millions) | 5.0459% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 4,682 |
| Loan loss allowance to noncurrent loans | 112.3134% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 2,474 |
| Noncurrent loans to loans | 0.5399% | 2,240 |
| Net loans and leases to total assets | 61.1093% | 2,391 |
| Net loans and leases to deposits | 72.7552% | 2,239 |
| Net loans and leases to core deposits | 75.9799% | 2,357 |
| Total domestic deposits to total assets | 83.9931% | 3,435 |
| Equity capital to assets | 10.3835% | 2,366 |
| Core capital (leverage) ratio | 10.1860% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4414% | 2,516 |
| Memoranda: | ||
| Average total assets | $79,092,500 | 4,319 |
| Average earning assets | $77,440,500 | 4,258 |
| Average equity | $8,290,000 | 4,408 |
| Average total loans | $48,689,000 | 4,132 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6820% | 3,625 |
| Cost of funding earning assets | 0.6456% | 2,022 |
| Net interest margin | 3.0364% | 3,804 |
| Noninterest income to average assets | 1.4961% | 541 |
| Noninterest expense to average assets | 2.0848% | 3,965 |
| Loan and lease loss provision to assets | 0.0418% | 3,876 |
| Net operating income to assets | 1.6701% | 541 |
| Return on assets (ROA) | 1.6701% | 583 |
| Pretax return on assets | 2.3284% | 242 |
| Return on Equity (ROE) | 15.6348% | 548 |
| Retained earnings to average equity (ytd only) | 11.5958% | 369 |
| Net charge-offs to loans | 0.0471% | 2,125 |
| Credit loss provision to net charge-offs | 136.3636% | 2,510 |
| Earnings coverage of net charge-offs (x) | 77.4091% | 916 |
| Efficiency ratio | 46.7979% | 4,680 |
| Assets per employee ($millions) | 5.5322% | 2,813 |
| Cash dividends to net income (ytd only)* | 25.8333% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6305% | 4,683 |
| Loan loss allowance to noncurrent loans | 456.0606% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 3,903 |
| Noncurrent loans to loans | 0.1382% | 3,729 |
| Net loans and leases to total assets | 61.2516% | 2,699 |
| Net loans and leases to deposits | 73.2133% | 2,569 |
| Net loans and leases to core deposits | 77.2387% | 2,617 |
| Total domestic deposits to total assets | 83.6619% | 3,215 |
| Equity capital to assets | 10.5835% | 2,601 |
| Core capital (leverage) ratio | 10.1743% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6572% | 2,382 |
| Memoranda: | ||
| Average total assets | $71,851,800 | 4,358 |
| Average earning assets | $70,016,800 | 4,295 |
| Average equity | $7,675,200 | 4,460 |
| Average total loans | $46,718,200 | 4,169 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 3,638 |
| Cost of funding earning assets | 0.7057% | 1,995 |
| Net interest margin | 3.0660% | 3,823 |
| Noninterest income to average assets | 1.6351% | 444 |
| Noninterest expense to average assets | 2.1063% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7411% | 525 |
| Return on assets (ROA) | 1.7411% | 586 |
| Pretax return on assets | 2.5132% | 207 |
| Return on Equity (ROE) | 16.2581% | 518 |
| Retained earnings to average equity (ytd only) | 16.2581% | 146 |
| Net charge-offs to loans | 0.0488% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 78.1176% | 936 |
| Efficiency ratio | 45.5961% | 4,737 |
| Assets per employee ($millions) | 5.3740% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5712% | 4,760 |
| Loan loss allowance to noncurrent loans | 181.5789% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 3,428 |
| Noncurrent loans to loans | 0.3146% | 3,159 |
| Net loans and leases to total assets | 63.8564% | 2,786 |
| Net loans and leases to deposits | 76.8504% | 2,672 |
| Net loans and leases to core deposits | 81.2127% | 2,731 |
| Total domestic deposits to total assets | 83.0919% | 3,124 |
| Equity capital to assets | 10.9203% | 2,456 |
| Core capital (leverage) ratio | 10.4025% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0735% | 2,166 |
| Memoranda: | ||
| Average total assets | $70,452,000 | 4,386 |
| Average earning assets | $68,578,500 | 4,325 |
| Average equity | $7,544,750 | 4,493 |
| Average total loans | $46,462,500 | 4,196 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,586 |
| Cost of funding earning assets | 0.7798% | 1,934 |
| Net interest margin | 3.1313% | 3,833 |
| Noninterest income to average assets | 1.4988% | 469 |
| Noninterest expense to average assets | 2.1900% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6295% | 715 |
| Return on assets (ROA) | 1.6295% | 784 |
| Pretax return on assets | 2.3527% | 279 |
| Return on Equity (ROE) | 15.3258% | 663 |
| Retained earnings to average equity (ytd only) | 15.3258% | 207 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2097% | 4,616 |
| Assets per employee ($millions) | 5.3295% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6321% | 4,699 |
| Loan loss allowance to noncurrent loans | 295.9596% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 3,861 |
| Noncurrent loans to loans | 0.2136% | 3,616 |
| Net loans and leases to total assets | 61.7305% | 3,149 |
| Net loans and leases to deposits | 73.8468% | 3,090 |
| Net loans and leases to core deposits | 78.4130% | 3,075 |
| Total domestic deposits to total assets | 83.5927% | 2,887 |
| Equity capital to assets | 10.4513% | 2,790 |
| Core capital (leverage) ratio | 10.4471% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0210% | 2,173 |
| Memoranda: | ||
| Average total assets | $68,857,333 | 4,416 |
| Average earning assets | $66,937,333 | 4,358 |
| Average equity | $7,321,000 | 4,538 |
| Average total loans | $45,843,667 | 4,219 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,501 |
| Cost of funding earning assets | 0.8854% | 1,945 |
| Net interest margin | 3.2235% | 3,800 |
| Noninterest income to average assets | 1.0064% | 851 |
| Noninterest expense to average assets | 2.0855% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4247% | 933 |
| Return on assets (ROA) | 1.4247% | 1,007 |
| Pretax return on assets | 2.0552% | 404 |
| Return on Equity (ROE) | 13.2721% | 834 |
| Retained earnings to average equity (ytd only) | 13.2721% | 299 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3660% | 4,644 |
| Assets per employee ($millions) | 5.1571% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6442% | 4,697 |
| Loan loss allowance to noncurrent loans | 443.9394% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 3,764 |
| Noncurrent loans to loans | 0.1451% | 3,939 |
| Net loans and leases to total assets | 67.4010% | 2,632 |
| Net loans and leases to deposits | 75.8629% | 3,085 |
| Net loans and leases to core deposits | 81.2409% | 3,090 |
| Total domestic deposits to total assets | 88.8458% | 734 |
| Equity capital to assets | 10.6739% | 3,171 |
| Core capital (leverage) ratio | 10.6926% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5122% | 2,070 |
| Memoranda: | ||
| Average total assets | $65,979,500 | 4,471 |
| Average earning assets | $64,153,500 | 4,419 |
| Average equity | $7,082,500 | 4,591 |
| Average total loans | $45,589,500 | 4,236 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 3,641 |
| Cost of funding earning assets | 0.8188% | 2,588 |
| Net interest margin | 3.4423% | 3,616 |
| Noninterest income to average assets | 0.9067% | 1,167 |
| Noninterest expense to average assets | 2.2683% | 4,030 |
| Loan and lease loss provision to assets | 0.1004% | 2,050 |
| Net operating income to assets | 1.3600% | 1,474 |
| Return on assets (ROA) | 1.3600% | 1,553 |
| Pretax return on assets | 1.8786% | 782 |
| Return on Equity (ROE) | 12.2469% | 1,420 |
| Retained earnings to average equity (ytd only) | 8.7521% | 776 |
| Net charge-offs to loans | 0.0610% | 2,233 |
| Credit loss provision to net charge-offs | 230.7692% | 1,159 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,203 |
| Efficiency ratio | 53.4069% | 4,485 |
| Assets per employee ($millions) | 4.9936% | 2,609 |
| Cash dividends to net income (ytd only)* | 28.5363% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6412% | 4,667 |
| Loan loss allowance to noncurrent loans | 302.0619% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 3,501 |
| Noncurrent loans to loans | 0.2123% | 3,701 |
| Net loans and leases to total assets | 69.9447% | 2,403 |
| Net loans and leases to deposits | 78.7246% | 2,939 |
| Net loans and leases to core deposits | 85.3352% | 2,844 |
| Total domestic deposits to total assets | 88.8473% | 726 |
| Equity capital to assets | 10.7969% | 3,185 |
| Core capital (leverage) ratio | 10.9282% | 2,565 |
| Tier 1 risk-based capital ratio | 13.7484% | 3,390 |
| Total risk-based capital ratio | 14.3303% | 3,632 |
| Memoranda: | ||
| Average total assets | $59,779,200 | 4,597 |
| Average earning assets | $58,013,200 | 4,557 |
| Average equity | $6,638,400 | 4,678 |
| Average total loans | $42,631,200 | 4,349 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 3,755 |
| Cost of funding earning assets | 0.7985% | 2,729 |
| Net interest margin | 3.4710% | 3,659 |
| Noninterest income to average assets | 0.9003% | 1,139 |
| Noninterest expense to average assets | 2.3135% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3539% | 1,634 |
| Return on assets (ROA) | 1.3539% | 1,697 |
| Pretax return on assets | 1.9557% | 758 |
| Return on Equity (ROE) | 12.0991% | 1,583 |
| Retained earnings to average equity (ytd only) | 12.0991% | 371 |
| Net charge-offs to loans | 0.0191% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 142.9963% | 558 |
| Efficiency ratio | 54.1911% | 4,373 |
| Assets per employee ($millions) | 4.4552% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5758% | 4,862 |
| Loan loss allowance to noncurrent loans | 168.6667% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 3,055 |
| Noncurrent loans to loans | 0.3414% | 3,313 |
| Net loans and leases to total assets | 70.0367% | 2,472 |
| Net loans and leases to deposits | 79.2626% | 2,979 |
| Net loans and leases to core deposits | 84.4968% | 3,045 |
| Total domestic deposits to total assets | 88.3603% | 895 |
| Equity capital to assets | 11.2020% | 2,921 |
| Core capital (leverage) ratio | 11.5291% | 2,194 |
| Tier 1 risk-based capital ratio | 14.8053% | 2,952 |
| Total risk-based capital ratio | 15.3454% | 3,189 |
| Memoranda: | ||
| Average total assets | $58,494,750 | 4,684 |
| Average earning assets | $56,774,500 | 4,640 |
| Average equity | $6,545,750 | 4,750 |
| Average total loans | $41,864,250 | 4,422 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 3,530 |
| Cost of funding earning assets | 0.7819% | 2,735 |
| Net interest margin | 3.5527% | 3,425 |
| Noninterest income to average assets | 0.7762% | 1,423 |
| Noninterest expense to average assets | 2.3601% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2902% | 1,818 |
| Return on assets (ROA) | 1.2902% | 1,875 |
| Pretax return on assets | 1.8636% | 904 |
| Return on Equity (ROE) | 11.5336% | 1,765 |
| Retained earnings to average equity (ytd only) | 11.5336% | 473 |
| Net charge-offs to loans | 0.0097% | 2,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 266.5000% | 301 |
| Efficiency ratio | 55.8775% | 4,257 |
| Assets per employee ($millions) | 4.5251% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 4,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 4,107 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.0485% | 2,371 |
| Net loans and leases to deposits | 80.5438% | 2,894 |
| Net loans and leases to core deposits | 86.1806% | 2,946 |
| Total domestic deposits to total assets | 88.2110% | 1,006 |
| Equity capital to assets | 11.4269% | 2,678 |
| Core capital (leverage) ratio | 11.4819% | 2,183 |
| Tier 1 risk-based capital ratio | 15.6355% | 2,570 |
| Total risk-based capital ratio | 16.2342% | 2,770 |
| Memoranda: | ||
| Average total assets | $57,202,000 | 4,736 |
| Average earning assets | $55,506,330 | 4,693 |
| Average equity | $6,398,670 | 4,795 |
| Average total loans | $41,173,330 | 4,466 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 3,449 |
| Cost of funding earning assets | 0.7526% | 2,779 |
| Net interest margin | 3.5806% | 3,326 |
| Noninterest income to average assets | 0.7164% | 1,552 |
| Noninterest expense to average assets | 2.4685% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1917% | 2,092 |
| Return on assets (ROA) | 1.1917% | 2,140 |
| Pretax return on assets | 1.7237% | 1,158 |
| Return on Equity (ROE) | 10.7744% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.7744% | 855 |
| Net charge-offs to loans | 0.0196% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 581 |
| Efficiency ratio | 58.8832% | 3,970 |
| Assets per employee ($millions) | 4.8740% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6235% | 4,896 |
| Loan loss allowance to noncurrent loans | 160.6250% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 3,516 |
| Noncurrent loans to loans | 0.3882% | 3,193 |
| Net loans and leases to total assets | 70.0332% | 2,470 |
| Net loans and leases to deposits | 78.8424% | 2,965 |
| Net loans and leases to core deposits | 83.8403% | 3,035 |
| Total domestic deposits to total assets | 88.8268% | 943 |
| Equity capital to assets | 10.8860% | 2,967 |
| Core capital (leverage) ratio | 11.8124% | 1,897 |
| Tier 1 risk-based capital ratio | 15.7965% | 2,529 |
| Total risk-based capital ratio | 16.4200% | 2,716 |
| Memoranda: | ||
| Average total assets | $56,390,000 | 4,799 |
| Average earning assets | $54,740,000 | 4,754 |
| Average equity | $6,237,000 | 4,855 |
| Average total loans | $40,734,000 | 4,519 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 3,522 |
| Cost of funding earning assets | 0.5296% | 3,185 |
| Net interest margin | 3.6424% | 3,248 |
| Noninterest income to average assets | 0.7917% | 1,480 |
| Noninterest expense to average assets | 2.4449% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3526% | 1,609 |
| Return on assets (ROA) | 1.3526% | 1,595 |
| Pretax return on assets | 1.8511% | 807 |
| Return on Equity (ROE) | 12.6025% | 1,510 |
| Retained earnings to average equity (ytd only) | 9.9556% | 624 |
| Net charge-offs to loans | 0.0979% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 25.8974% | 1,750 |
| Efficiency ratio | 56.9113% | 4,292 |
| Assets per employee ($millions) | 4.1763% | 3,643 |
| Cash dividends to net income (ytd only)* | 21.0027% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 4,901 |
| Loan loss allowance to noncurrent loans | 144.6927% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 3,232 |
| Noncurrent loans to loans | 0.4447% | 2,944 |
| Net loans and leases to total assets | 73.6591% | 1,980 |
| Net loans and leases to deposits | 83.1327% | 2,607 |
| Net loans and leases to core deposits | 86.1355% | 2,905 |
| Total domestic deposits to total assets | 88.6042% | 1,026 |
| Equity capital to assets | 11.2484% | 2,468 |
| Core capital (leverage) ratio | 11.8641% | 1,824 |
| Tier 1 risk-based capital ratio | 16.2942% | 2,310 |
| Total risk-based capital ratio | 16.9595% | 2,451 |
| Memoranda: | ||
| Average total assets | $54,563,000 | 4,864 |
| Average earning assets | $52,493,200 | 4,806 |
| Average equity | $5,856,000 | 4,924 |
| Average total loans | $39,854,600 | 4,554 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 3,447 |
| Cost of funding earning assets | 0.4801% | 3,327 |
| Net interest margin | 3.6731% | 3,110 |
| Noninterest income to average assets | 0.7663% | 1,597 |
| Noninterest expense to average assets | 2.3966% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3155% | 1,799 |
| Return on assets (ROA) | 1.3155% | 1,803 |
| Pretax return on assets | 1.8988% | 820 |
| Return on Equity (ROE) | 12.4050% | 1,635 |
| Retained earnings to average equity (ytd only) | 12.4050% | 429 |
| Net charge-offs to loans | 0.1073% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 24.3101% | 1,822 |
| Efficiency ratio | 55.7955% | 4,408 |
| Assets per employee ($millions) | 3.8619% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6530% | 4,966 |
| Loan loss allowance to noncurrent loans | 167.2956% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,511 |
| Noncurrent loans to loans | 0.3903% | 3,256 |
| Net loans and leases to total assets | 74.8511% | 1,846 |
| Net loans and leases to deposits | 84.5464% | 2,534 |
| Net loans and leases to core deposits | 86.7354% | 2,942 |
| Total domestic deposits to total assets | 88.5325% | 1,038 |
| Equity capital to assets | 11.0772% | 2,597 |
| Core capital (leverage) ratio | 11.8323% | 1,894 |
| Tier 1 risk-based capital ratio | 16.0561% | 2,429 |
| Total risk-based capital ratio | 16.7342% | 2,586 |
| Memoranda: | ||
| Average total assets | $54,630,750 | 4,915 |
| Average earning assets | $52,488,750 | 4,863 |
| Average equity | $5,793,250 | 4,978 |
| Average total loans | $39,755,750 | 4,603 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,425 |
| Cost of funding earning assets | 0.4631% | 3,262 |
| Net interest margin | 3.6442% | 3,138 |
| Noninterest income to average assets | 0.7406% | 1,685 |
| Noninterest expense to average assets | 2.3094% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3390% | 1,641 |
| Return on assets (ROA) | 1.3390% | 1,649 |
| Pretax return on assets | 1.9336% | 711 |
| Return on Equity (ROE) | 12.8142% | 1,438 |
| Retained earnings to average equity (ytd only) | 12.8142% | 410 |
| Net charge-offs to loans | -0.0355% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4282% | 4,645 |
| Assets per employee ($millions) | 3.8010% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 4,796 |
| Loan loss allowance to noncurrent loans | 238.2813% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 3,808 |
| Noncurrent loans to loans | 0.3221% | 3,552 |
| Net loans and leases to total assets | 74.1102% | 1,934 |
| Net loans and leases to deposits | 83.9442% | 2,543 |
| Net loans and leases to core deposits | 86.9173% | 2,831 |
| Total domestic deposits to total assets | 88.2850% | 1,226 |
| Equity capital to assets | 11.0140% | 2,630 |
| Core capital (leverage) ratio | 11.6135% | 1,975 |
| Tier 1 risk-based capital ratio | 16.3692% | 2,305 |
| Total risk-based capital ratio | 17.1842% | 2,401 |
| Memoranda: | ||
| Average total assets | $54,819,000 | 4,967 |
| Average earning assets | $52,686,670 | 4,916 |
| Average equity | $5,728,000 | 5,043 |
| Average total loans | $39,429,330 | 4,657 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 3,464 |
| Cost of funding earning assets | 0.4564% | 3,156 |
| Net interest margin | 3.5841% | 3,242 |
| Noninterest income to average assets | 0.6544% | 2,019 |
| Noninterest expense to average assets | 2.2437% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2873% | 1,684 |
| Return on assets (ROA) | 1.2873% | 1,689 |
| Pretax return on assets | 1.8554% | 812 |
| Return on Equity (ROE) | 12.6468% | 1,367 |
| Retained earnings to average equity (ytd only) | 12.6468% | 576 |
| Net charge-offs to loans | -0.1222% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7368% | 4,712 |
| Assets per employee ($millions) | 4.0558% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8041% | 4,783 |
| Loan loss allowance to noncurrent loans | 209.4595% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 3,736 |
| Noncurrent loans to loans | 0.3839% | 3,403 |
| Net loans and leases to total assets | 72.5330% | 2,087 |
| Net loans and leases to deposits | 82.0384% | 2,588 |
| Net loans and leases to core deposits | 83.9767% | 2,981 |
| Total domestic deposits to total assets | 88.4135% | 1,402 |
| Equity capital to assets | 10.7975% | 2,769 |
| Core capital (leverage) ratio | 10.8421% | 2,589 |
| Tier 1 risk-based capital ratio | 16.1812% | 2,397 |
| Total risk-based capital ratio | 17.0259% | 2,517 |
| Memoranda: | ||
| Average total assets | $55,621,500 | 5,010 |
| Average earning assets | $53,458,500 | 4,968 |
| Average equity | $5,661,500 | 5,108 |
| Average total loans | $39,273,000 | 4,713 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,239 |
| Cost of funding earning assets | 0.4755% | 2,545 |
| Net interest margin | 3.5759% | 3,245 |
| Noninterest income to average assets | 0.7704% | 1,692 |
| Noninterest expense to average assets | 2.2638% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2688% | 1,305 |
| Return on assets (ROA) | 1.2688% | 1,326 |
| Pretax return on assets | 1.9388% | 559 |
| Return on Equity (ROE) | 12.8376% | 989 |
| Retained earnings to average equity (ytd only) | 8.9955% | 507 |
| Net charge-offs to loans | -0.0255% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8662% | 4,960 |
| Assets per employee ($millions) | 4.8765% | 2,638 |
| Cash dividends to net income (ytd only)* | 29.9281% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 4,964 |
| Loan loss allowance to noncurrent loans | 201.3514% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 3,872 |
| Noncurrent loans to loans | 0.3701% | 3,435 |
| Net loans and leases to total assets | 67.8338% | 2,842 |
| Net loans and leases to deposits | 75.6628% | 3,361 |
| Net loans and leases to core deposits | 77.2472% | 3,649 |
| Total domestic deposits to total assets | 89.6528% | 707 |
| Equity capital to assets | 9.6210% | 4,123 |
| Core capital (leverage) ratio | 10.7370% | 2,603 |
| Tier 1 risk-based capital ratio | 15.1385% | 2,780 |
| Total risk-based capital ratio | 15.9219% | 2,936 |
| Memoranda: | ||
| Average total assets | $54,775,200 | 5,062 |
| Average earning assets | $52,574,800 | 5,023 |
| Average equity | $5,413,800 | 5,198 |
| Average total loans | $39,227,400 | 4,748 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 2,923 |
| Cost of funding earning assets | 0.4851% | 2,390 |
| Net interest margin | 3.6330% | 3,030 |
| Noninterest income to average assets | 0.7726% | 1,692 |
| Noninterest expense to average assets | 2.2610% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1639% | 1,827 |
| Return on assets (ROA) | 1.1639% | 1,875 |
| Pretax return on assets | 1.9985% | 553 |
| Return on Equity (ROE) | 11.6918% | 1,426 |
| Retained earnings to average equity (ytd only) | 10.3734% | 513 |
| Net charge-offs to loans | -0.0341% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0814% | 5,003 |
| Assets per employee ($millions) | 4.0750% | 3,859 |
| Cash dividends to net income (ytd only)* | 11.2758% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 4,971 |
| Loan loss allowance to noncurrent loans | 127.8970% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 3,273 |
| Noncurrent loans to loans | 0.6040% | 2,896 |
| Net loans and leases to total assets | 72.2605% | 2,219 |
| Net loans and leases to deposits | 81.5266% | 2,825 |
| Net loans and leases to core deposits | 82.0087% | 3,280 |
| Total domestic deposits to total assets | 88.6343% | 1,055 |
| Equity capital to assets | 10.6220% | 3,245 |
| Core capital (leverage) ratio | 10.5824% | 2,900 |
| Tier 1 risk-based capital ratio | 16.0779% | 2,468 |
| Total risk-based capital ratio | 16.9201% | 2,585 |
| Memoranda: | ||
| Average total assets | $53,839,500 | 5,142 |
| Average earning assets | $51,673,750 | 5,091 |
| Average equity | $5,359,750 | 5,268 |
| Average total loans | $39,036,000 | 4,806 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 2,828 |
| Cost of funding earning assets | 0.4889% | 2,261 |
| Net interest margin | 3.6110% | 2,997 |
| Noninterest income to average assets | 0.7796% | 1,649 |
| Noninterest expense to average assets | 2.2392% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1676% | 1,710 |
| Return on assets (ROA) | 1.1676% | 1,751 |
| Pretax return on assets | 2.0064% | 520 |
| Return on Equity (ROE) | 11.9909% | 1,301 |
| Retained earnings to average equity (ytd only) | 9.9798% | 588 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7415% | 5,115 |
| Assets per employee ($millions) | 4.1823% | 3,657 |
| Cash dividends to net income (ytd only)* | 16.7722% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 5,113 |
| Loan loss allowance to noncurrent loans | 122.5532% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 3,382 |
| Noncurrent loans to loans | 0.6037% | 2,914 |
| Net loans and leases to total assets | 71.0649% | 2,362 |
| Net loans and leases to deposits | 80.2267% | 2,886 |
| Net loans and leases to core deposits | 80.6875% | 3,370 |
| Total domestic deposits to total assets | 88.5801% | 1,165 |
| Equity capital to assets | 10.0644% | 3,836 |
| Core capital (leverage) ratio | 10.1937% | 3,290 |
| Tier 1 risk-based capital ratio | 15.6839% | 2,627 |
| Total risk-based capital ratio | 16.5000% | 2,753 |
| Memoranda: | ||
| Average total assets | $54,127,670 | 5,169 |
| Average earning assets | $51,953,000 | 5,124 |
| Average equity | $5,270,670 | 5,320 |
| Average total loans | $39,188,670 | 4,840 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 2,774 |
| Cost of funding earning assets | 0.5009% | 2,080 |
| Net interest margin | 3.5679% | 3,018 |
| Noninterest income to average assets | 0.7703% | 1,664 |
| Noninterest expense to average assets | 2.2960% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1110% | 1,825 |
| Return on assets (ROA) | 1.1110% | 1,867 |
| Pretax return on assets | 1.9035% | 629 |
| Return on Equity (ROE) | 11.6054% | 1,367 |
| Retained earnings to average equity (ytd only) | 8.8975% | 1,117 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6737% | 5,072 |
| Assets per employee ($millions) | 4.1812% | 3,693 |
| Cash dividends to net income (ytd only)* | 23.3333% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 5,228 |
| Loan loss allowance to noncurrent loans | 97.9592% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 3,067 |
| Noncurrent loans to loans | 0.7550% | 2,600 |
| Net loans and leases to total assets | 71.1066% | 2,201 |
| Net loans and leases to deposits | 79.8554% | 2,771 |
| Net loans and leases to core deposits | 80.3117% | 3,260 |
| Total domestic deposits to total assets | 89.0442% | 1,123 |
| Equity capital to assets | 9.6348% | 4,146 |
| Core capital (leverage) ratio | 9.9479% | 3,568 |
| Tier 1 risk-based capital ratio | 15.4515% | 2,774 |
| Total risk-based capital ratio | 16.2775% | 2,881 |
| Memoranda: | ||
| Average total assets | $54,006,500 | 5,227 |
| Average earning assets | $51,907,500 | 5,174 |
| Average equity | $5,170,000 | 5,385 |
| Average total loans | $39,320,000 | 4,876 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9554% | 3,362 |
| Cost of funding earning assets | 0.5256% | 1,903 |
| Net interest margin | 3.4299% | 3,713 |
| Noninterest income to average assets | 0.8137% | 1,697 |
| Noninterest expense to average assets | 2.2758% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1147% | 1,842 |
| Return on assets (ROA) | 1.1219% | 1,899 |
| Pretax return on assets | 1.8360% | 722 |
| Return on Equity (ROE) | 11.7008% | 1,339 |
| Retained earnings to average equity (ytd only) | 6.5266% | 1,445 |
| Net charge-offs to loans | -0.0572% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4995% | 5,107 |
| Assets per employee ($millions) | 4.4715% | 3,159 |
| Cash dividends to net income (ytd only)* | 44.2211% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7254% | 5,304 |
| Loan loss allowance to noncurrent loans | 74.4186% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 2,569 |
| Noncurrent loans to loans | 0.9748% | 2,141 |
| Net loans and leases to total assets | 73.4541% | 1,937 |
| Net loans and leases to deposits | 82.2942% | 2,634 |
| Net loans and leases to core deposits | 82.7695% | 3,147 |
| Total domestic deposits to total assets | 89.2579% | 977 |
| Equity capital to assets | 9.5102% | 4,259 |
| Core capital (leverage) ratio | 9.7918% | 3,758 |
| Tier 1 risk-based capital ratio | 15.0564% | 2,943 |
| Total risk-based capital ratio | 15.8789% | 3,075 |
| Memoranda: | ||
| Average total assets | $53,213,000 | 5,278 |
| Average earning assets | $50,993,000 | 5,227 |
| Average equity | $5,102,200 | 5,449 |
| Average total loans | $36,709,600 | 4,997 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,404 |
| Cost of funding earning assets | 0.5352% | 1,830 |
| Net interest margin | 3.4182% | 3,780 |
| Noninterest income to average assets | 0.8035% | 1,751 |
| Noninterest expense to average assets | 2.2020% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0901% | 2,043 |
| Return on assets (ROA) | 1.0998% | 2,098 |
| Pretax return on assets | 1.8882% | 723 |
| Return on Equity (ROE) | 11.4463% | 1,509 |
| Retained earnings to average equity (ytd only) | 8.7023% | 909 |
| Net charge-offs to loans | -0.0371% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0357% | 5,239 |
| Assets per employee ($millions) | 5.3628% | 1,993 |
| Cash dividends to net income (ytd only)* | 23.9730% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7106% | 5,409 |
| Loan loss allowance to noncurrent loans | 59.5699% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 2,386 |
| Noncurrent loans to loans | 1.1930% | 1,885 |
| Net loans and leases to total assets | 72.1675% | 2,161 |
| Net loans and leases to deposits | 80.9886% | 2,854 |
| Net loans and leases to core deposits | 81.4556% | 3,328 |
| Total domestic deposits to total assets | 89.1083% | 850 |
| Equity capital to assets | 9.8978% | 4,242 |
| Core capital (leverage) ratio | 9.8806% | 3,721 |
| Tier 1 risk-based capital ratio | 15.4337% | 2,859 |
| Total risk-based capital ratio | 16.2446% | 2,981 |
| Memoranda: | ||
| Average total assets | $53,101,750 | 5,341 |
| Average earning assets | $50,824,250 | 5,282 |
| Average equity | $5,102,000 | 5,507 |
| Average total loans | $35,961,500 | 5,065 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 3,694 |
| Cost of funding earning assets | 0.5367% | 1,807 |
| Net interest margin | 3.3344% | 4,102 |
| Noninterest income to average assets | 0.7822% | 1,799 |
| Noninterest expense to average assets | 2.2068% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0316% | 2,246 |
| Return on assets (ROA) | 1.0316% | 2,382 |
| Pretax return on assets | 1.7685% | 940 |
| Return on Equity (ROE) | 10.8477% | 1,704 |
| Retained earnings to average equity (ytd only) | 8.0662% | 1,149 |
| Net charge-offs to loans | -0.0515% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5133% | 5,196 |
| Assets per employee ($millions) | 4.1483% | 3,657 |
| Cash dividends to net income (ytd only)* | 25.6410% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 5,396 |
| Loan loss allowance to noncurrent loans | 118.9655% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 3,666 |
| Noncurrent loans to loans | 0.6330% | 3,183 |
| Net loans and leases to total assets | 67.4529% | 2,873 |
| Net loans and leases to deposits | 78.1070% | 3,148 |
| Net loans and leases to core deposits | 78.5693% | 3,597 |
| Total domestic deposits to total assets | 86.3596% | 2,235 |
| Equity capital to assets | 9.6221% | 4,647 |
| Core capital (leverage) ratio | 9.6800% | 3,963 |
| Tier 1 risk-based capital ratio | 15.9983% | 2,645 |
| Total risk-based capital ratio | 16.8570% | 2,761 |
| Memoranda: | ||
| Average total assets | $52,926,330 | 5,403 |
| Average earning assets | $50,684,330 | 5,341 |
| Average equity | $5,033,330 | 5,580 |
| Average total loans | $34,955,670 | 5,139 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 3,494 |
| Cost of funding earning assets | 0.5513% | 1,697 |
| Net interest margin | 3.3717% | 3,974 |
| Noninterest income to average assets | 0.7706% | 1,730 |
| Noninterest expense to average assets | 2.2737% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9995% | 2,281 |
| Return on assets (ROA) | 0.9995% | 2,398 |
| Pretax return on assets | 1.7167% | 1,031 |
| Return on Equity (ROE) | 10.5741% | 1,756 |
| Retained earnings to average equity (ytd only) | 7.7490% | 1,568 |
| Net charge-offs to loans | -0.1055% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9790% | 5,094 |
| Assets per employee ($millions) | 4.4075% | 3,238 |
| Cash dividends to net income (ytd only)* | 26.7176% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 5,300 |
| Loan loss allowance to noncurrent loans | 125.4545% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 3,789 |
| Noncurrent loans to loans | 0.6565% | 3,200 |
| Net loans and leases to total assets | 62.8342% | 3,411 |
| Net loans and leases to deposits | 70.3091% | 3,831 |
| Net loans and leases to core deposits | 70.7175% | 4,182 |
| Total domestic deposits to total assets | 89.3685% | 910 |
| Equity capital to assets | 9.5122% | 4,658 |
| Core capital (leverage) ratio | 9.6946% | 3,921 |
| Tier 1 risk-based capital ratio | 17.1037% | 2,252 |
| Total risk-based capital ratio | 18.0413% | 2,309 |
| Memoranda: | ||
| Average total assets | $52,425,500 | 5,464 |
| Average earning assets | $50,064,000 | 5,404 |
| Average equity | $4,955,500 | 5,632 |
| Average total loans | $34,107,500 | 5,208 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 3,672 |
| Cost of funding earning assets | 0.5856% | 1,465 |
| Net interest margin | 3.3242% | 4,200 |
| Noninterest income to average assets | 0.7861% | 1,843 |
| Noninterest expense to average assets | 2.5921% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8764% | 2,993 |
| Return on assets (ROA) | 0.8788% | 3,069 |
| Pretax return on assets | 1.3888% | 1,944 |
| Return on Equity (ROE) | 9.4324% | 2,253 |
| Retained earnings to average equity (ytd only) | 4.8302% | 2,543 |
| Net charge-offs to loans | -0.0319% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1773% | 4,053 |
| Assets per employee ($millions) | 3.9970% | 3,942 |
| Cash dividends to net income (ytd only)* | 48.7912% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 5,485 |
| Loan loss allowance to noncurrent loans | 158.9286% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 4,153 |
| Noncurrent loans to loans | 0.4841% | 3,748 |
| Net loans and leases to total assets | 66.2786% | 2,946 |
| Net loans and leases to deposits | 73.7404% | 3,527 |
| Net loans and leases to core deposits | 74.1740% | 3,920 |
| Total domestic deposits to total assets | 89.8809% | 682 |
| Equity capital to assets | 9.3917% | 4,677 |
| Core capital (leverage) ratio | 9.4447% | 4,258 |
| Tier 1 risk-based capital ratio | 16.7623% | 2,372 |
| Total risk-based capital ratio | 17.6684% | 2,476 |
| Memoranda: | ||
| Average total assets | $51,772,800 | 5,509 |
| Average earning assets | $49,695,800 | 5,445 |
| Average equity | $4,823,800 | 5,692 |
| Average total loans | $34,529,800 | 5,205 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 3,734 |
| Cost of funding earning assets | 0.5843% | 1,509 |
| Net interest margin | 3.3209% | 4,256 |
| Noninterest income to average assets | 0.7501% | 2,025 |
| Noninterest expense to average assets | 2.3508% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9005% | 2,959 |
| Return on assets (ROA) | 0.9022% | 3,037 |
| Pretax return on assets | 1.5956% | 1,392 |
| Return on Equity (ROE) | 9.7024% | 2,218 |
| Retained earnings to average equity (ytd only) | 6.6529% | 1,863 |
| Net charge-offs to loans | 0.0657% | 2,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 36.3467% | 1,327 |
| Efficiency ratio | 59.6078% | 4,929 |
| Assets per employee ($millions) | 3.7098% | 4,428 |
| Cash dividends to net income (ytd only)* | 31.4276% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 5,774 |
| Loan loss allowance to noncurrent loans | 113.2701% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 3,296 |
| Noncurrent loans to loans | 0.5983% | 3,528 |
| Net loans and leases to total assets | 67.4432% | 2,782 |
| Net loans and leases to deposits | 74.8350% | 3,441 |
| Net loans and leases to core deposits | 75.2740% | 3,877 |
| Total domestic deposits to total assets | 90.1226% | 527 |
| Equity capital to assets | 9.4364% | 4,834 |
| Core capital (leverage) ratio | 9.5426% | 4,249 |
| Tier 1 risk-based capital ratio | 16.5219% | 2,561 |
| Total risk-based capital ratio | 17.3202% | 2,719 |
| Memoranda: | ||
| Average total assets | $51,725,750 | 5,581 |
| Average earning assets | $49,744,500 | 5,512 |
| Average equity | $4,809,750 | 5,774 |
| Average total loans | $34,485,750 | 5,265 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 3,577 |
| Cost of funding earning assets | 0.5918% | 1,474 |
| Net interest margin | 3.3376% | 4,148 |
| Noninterest income to average assets | 0.7550% | 1,973 |
| Noninterest expense to average assets | 2.3192% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9306% | 2,728 |
| Return on assets (ROA) | 0.9331% | 2,837 |
| Pretax return on assets | 1.6494% | 1,193 |
| Return on Equity (ROE) | 10.0851% | 2,032 |
| Retained earnings to average equity (ytd only) | 6.9884% | 1,704 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4961% | 5,166 |
| Assets per employee ($millions) | 3.7121% | 4,399 |
| Cash dividends to net income (ytd only)* | 30.7054% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7351% | 5,741 |
| Loan loss allowance to noncurrent loans | 147.9769% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 3,673 |
| Noncurrent loans to loans | 0.4967% | 3,980 |
| Net loans and leases to total assets | 66.5223% | 2,865 |
| Net loans and leases to deposits | 74.0183% | 3,488 |
| Net loans and leases to core deposits | 74.4535% | 3,912 |
| Total domestic deposits to total assets | 89.8728% | 715 |
| Equity capital to assets | 9.2767% | 4,927 |
| Core capital (leverage) ratio | 9.3092% | 4,536 |
| Tier 1 risk-based capital ratio | 16.4913% | 2,607 |
| Total risk-based capital ratio | 17.3576% | 2,756 |
| Memoranda: | ||
| Average total assets | $51,655,330 | 5,642 |
| Average earning assets | $49,677,000 | 5,571 |
| Average equity | $4,779,330 | 5,836 |
| Average total loans | $34,225,330 | 5,318 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 3,385 |
| Cost of funding earning assets | 0.5898% | 1,509 |
| Net interest margin | 3.3689% | 3,955 |
| Noninterest income to average assets | 0.7146% | 2,099 |
| Noninterest expense to average assets | 2.2758% | 4,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9532% | 2,491 |
| Return on assets (ROA) | 0.9631% | 2,563 |
| Pretax return on assets | 1.6933% | 1,068 |
| Return on Equity (ROE) | 10.4235% | 1,823 |
| Retained earnings to average equity (ytd only) | 10.4235% | 823 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5639% | 5,382 |
| Assets per employee ($millions) | 3.9955% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 5,773 |
| Loan loss allowance to noncurrent loans | 176.5517% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 3,918 |
| Noncurrent loans to loans | 0.4327% | 4,299 |
| Net loans and leases to total assets | 64.0226% | 3,084 |
| Net loans and leases to deposits | 71.2810% | 3,617 |
| Net loans and leases to core deposits | 71.6990% | 4,000 |
| Total domestic deposits to total assets | 89.8173% | 834 |
| Equity capital to assets | 9.3183% | 4,941 |
| Core capital (leverage) ratio | 9.2963% | 4,578 |
| Tier 1 risk-based capital ratio | 16.4325% | 2,718 |
| Total risk-based capital ratio | 17.3034% | 2,828 |
| Memoranda: | ||
| Average total assets | $51,498,500 | 5,691 |
| Average earning assets | $49,512,000 | 5,624 |
| Average equity | $4,758,500 | 5,893 |
| Average total loans | $33,924,500 | 5,377 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 3,759 |
| Cost of funding earning assets | 0.6523% | 1,387 |
| Net interest margin | 3.3385% | 4,444 |
| Noninterest income to average assets | 0.7778% | 1,957 |
| Noninterest expense to average assets | 2.8837% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6618% | 4,080 |
| Return on assets (ROA) | 0.6631% | 4,169 |
| Pretax return on assets | 1.0909% | 3,120 |
| Return on Equity (ROE) | 7.6729% | 3,290 |
| Retained earnings to average equity (ytd only) | 5.7603% | 2,089 |
| Net charge-offs to loans | -0.1098% | 6,131 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5893% | 3,106 |
| Assets per employee ($millions) | 4.2547% | 3,446 |
| Cash dividends to net income (ytd only)* | 24.9267% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 5,892 |
| Loan loss allowance to noncurrent loans | 61.2440% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 2,608 |
| Noncurrent loans to loans | 1.2173% | 2,416 |
| Net loans and leases to total assets | 66.7561% | 2,762 |
| Net loans and leases to deposits | 74.0211% | 3,434 |
| Net loans and leases to core deposits | 74.4626% | 3,879 |
| Total domestic deposits to total assets | 90.1853% | 655 |
| Equity capital to assets | 9.1605% | 5,118 |
| Core capital (leverage) ratio | 9.0830% | 4,847 |
| Tier 1 risk-based capital ratio | 15.6216% | 3,180 |
| Total risk-based capital ratio | 16.4714% | 3,318 |
| Memoranda: | ||
| Average total assets | $51,426,400 | 5,757 |
| Average earning assets | $49,213,000 | 5,697 |
| Average equity | $4,444,200 | 5,998 |
| Average total loans | $32,782,000 | 5,456 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,875 |
| Cost of funding earning assets | 0.6631% | 1,372 |
| Net interest margin | 3.3075% | 4,576 |
| Noninterest income to average assets | 0.7816% | 1,962 |
| Noninterest expense to average assets | 3.0176% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5228% | 4,786 |
| Return on assets (ROA) | 0.5228% | 4,857 |
| Pretax return on assets | 0.9265% | 3,874 |
| Return on Equity (ROE) | 6.1407% | 4,162 |
| Retained earnings to average equity (ytd only) | 6.1407% | 2,318 |
| Net charge-offs to loans | -0.0494% | 5,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5092% | 2,413 |
| Assets per employee ($millions) | 4.3250% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 6,094 |
| Loan loss allowance to noncurrent loans | 40.9894% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 1.3372% | 2,310 |
| Noncurrent loans to loans | 1.7209% | 1,889 |
| Net loans and leases to total assets | 62.9229% | 3,357 |
| Net loans and leases to deposits | 69.2575% | 3,998 |
| Net loans and leases to core deposits | 70.0373% | 4,317 |
| Total domestic deposits to total assets | 90.8536% | 402 |
| Equity capital to assets | 8.7380% | 5,607 |
| Core capital (leverage) ratio | 8.8923% | 5,203 |
| Tier 1 risk-based capital ratio | 15.6466% | 3,240 |
| Total risk-based capital ratio | 16.4268% | 3,427 |
| Memoranda: | ||
| Average total assets | $51,519,000 | 5,817 |
| Average earning assets | $49,261,000 | 5,762 |
| Average equity | $4,386,000 | 6,075 |
| Average total loans | $32,392,750 | 5,520 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,859 |
| Cost of funding earning assets | 0.6844% | 1,278 |
| Net interest margin | 3.2835% | 4,656 |
| Noninterest income to average assets | 0.7433% | 2,077 |
| Noninterest expense to average assets | 2.3311% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8756% | 2,931 |
| Return on assets (ROA) | 0.8756% | 3,018 |
| Pretax return on assets | 1.5489% | 1,395 |
| Return on Equity (ROE) | 10.3774% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.3774% | 637 |
| Net charge-offs to loans | -0.0745% | 6,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0802% | 5,286 |
| Assets per employee ($millions) | 4.7478% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7192% | 6,140 |
| Loan loss allowance to noncurrent loans | 326.7606% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 3,285 |
| Noncurrent loans to loans | 0.2201% | 5,347 |
| Net loans and leases to total assets | 61.3181% | 3,521 |
| Net loans and leases to deposits | 67.7642% | 4,078 |
| Net loans and leases to core deposits | 68.5255% | 4,408 |
| Total domestic deposits to total assets | 90.4875% | 594 |
| Equity capital to assets | 8.7562% | 5,561 |
| Core capital (leverage) ratio | 8.9495% | 5,094 |
| Tier 1 risk-based capital ratio | 16.4157% | 2,872 |
| Total risk-based capital ratio | 17.2301% | 3,033 |
| Memoranda: | ||
| Average total assets | $51,392,000 | 5,871 |
| Average earning assets | $49,094,330 | 5,812 |
| Average equity | $4,336,330 | 6,127 |
| Average total loans | $32,227,330 | 5,567 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 3,707 |
| Cost of funding earning assets | 0.6905% | 1,302 |
| Net interest margin | 3.3045% | 4,515 |
| Noninterest income to average assets | 0.7533% | 1,949 |
| Noninterest expense to average assets | 2.3619% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8789% | 2,753 |
| Return on assets (ROA) | 0.8789% | 2,818 |
| Pretax return on assets | 1.5459% | 1,300 |
| Return on Equity (ROE) | 10.6211% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.6211% | 813 |
| Net charge-offs to loans | -0.1490% | 6,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4418% | 5,344 |
| Assets per employee ($millions) | 4.3645% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 6,242 |
| Loan loss allowance to noncurrent loans | 527.2727% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 3,602 |
| Noncurrent loans to loans | 0.1377% | 5,689 |
| Net loans and leases to total assets | 60.5778% | 3,464 |
| Net loans and leases to deposits | 66.4482% | 4,035 |
| Net loans and leases to core deposits | 67.1841% | 4,385 |
| Total domestic deposits to total assets | 91.1655% | 504 |
| Equity capital to assets | 8.2159% | 5,900 |
| Core capital (leverage) ratio | 9.0371% | 4,958 |
| Tier 1 risk-based capital ratio | 15.7329% | 3,311 |
| Total risk-based capital ratio | 16.5328% | 3,508 |
| Memoranda: | ||
| Average total assets | $50,975,000 | 5,940 |
| Average earning assets | $48,661,500 | 5,877 |
| Average equity | $4,218,000 | 6,199 |
| Average total loans | $32,213,000 | 5,621 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7993% | 4,820 |
| Cost of funding earning assets | 0.7847% | 1,292 |
| Net interest margin | 3.0146% | 5,548 |
| Noninterest income to average assets | 0.8604% | 1,827 |
| Noninterest expense to average assets | 2.3911% | 5,096 |
| Loan and lease loss provision to assets | 0.0680% | 3,773 |
| Net operating income to assets | 0.8563% | 2,999 |
| Return on assets (ROA) | 0.8804% | 2,966 |
| Pretax return on assets | 1.3046% | 2,128 |
| Return on Equity (ROE) | 10.6440% | 1,881 |
| Retained earnings to average equity (ytd only) | 8.5877% | 878 |
| Net charge-offs to loans | 0.0811% | 4,080 |
| Credit loss provision to net charge-offs | 141.6667% | 1,649 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,259 |
| Efficiency ratio | 64.1439% | 4,867 |
| Assets per employee ($millions) | 4.1313% | 3,571 |
| Cash dividends to net income (ytd only)* | 19.3182% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 6,377 |
| Loan loss allowance to noncurrent loans | 95.2381% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.2748% | 2,867 |
| Noncurrent loans to loans | 0.7115% | 4,185 |
| Net loans and leases to total assets | 65.0456% | 2,853 |
| Net loans and leases to deposits | 71.4884% | 3,592 |
| Net loans and leases to core deposits | 72.3270% | 4,030 |
| Total domestic deposits to total assets | 90.9876% | 577 |
| Equity capital to assets | 8.3367% | 5,749 |
| Core capital (leverage) ratio | 8.8614% | 5,198 |
| Tier 1 risk-based capital ratio | 14.9926% | 3,672 |
| Total risk-based capital ratio | 15.7336% | 3,902 |
| Memoranda: | ||
| Average total assets | $49,976,800 | 6,017 |
| Average earning assets | $47,535,200 | 5,950 |
| Average equity | $4,133,800 | 6,296 |
| Average total loans | $29,576,600 | 5,783 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 4,703 |
| Cost of funding earning assets | 0.7841% | 1,410 |
| Net interest margin | 3.0552% | 5,450 |
| Noninterest income to average assets | 0.7295% | 2,461 |
| Noninterest expense to average assets | 2.3190% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8150% | 3,269 |
| Return on assets (ROA) | 0.8440% | 3,248 |
| Pretax return on assets | 1.3605% | 2,072 |
| Return on Equity (ROE) | 10.2240% | 2,094 |
| Retained earnings to average equity (ytd only) | 10.2240% | 744 |
| Net charge-offs to loans | 0.0139% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 164.6625% | 337 |
| Efficiency ratio | 63.8095% | 4,829 |
| Assets per employee ($millions) | 4.1475% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6640% | 6,481 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 3,306 |
| Noncurrent loans to loans | 0.2213% | 5,682 |
| Net loans and leases to total assets | 62.2182% | 3,324 |
| Net loans and leases to deposits | 68.4241% | 4,014 |
| Net loans and leases to core deposits | 69.2210% | 4,402 |
| Total domestic deposits to total assets | 90.9303% | 565 |
| Equity capital to assets | 8.2339% | 5,972 |
| Core capital (leverage) ratio | 8.8325% | 5,357 |
| Tier 1 risk-based capital ratio | 15.9113% | 3,247 |
| Total risk-based capital ratio | 16.6577% | 3,470 |
| Memoranda: | ||
| Average total assets | $50,077,000 | 6,080 |
| Average earning assets | $47,611,250 | 6,017 |
| Average equity | $4,134,000 | 6,369 |
| Average total loans | $28,854,000 | 5,872 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 4,930 |
| Cost of funding earning assets | 0.7915% | 1,459 |
| Net interest margin | 2.9777% | 5,620 |
| Noninterest income to average assets | 0.7134% | 2,578 |
| Noninterest expense to average assets | 2.3316% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8799% | 2,908 |
| Return on assets (ROA) | 0.9287% | 2,806 |
| Pretax return on assets | 1.2834% | 2,359 |
| Return on Equity (ROE) | 11.2397% | 1,735 |
| Retained earnings to average equity (ytd only) | 11.2397% | 605 |
| Net charge-offs to loans | 0.0071% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 166 |
| Efficiency ratio | 65.7303% | 4,597 |
| Assets per employee ($millions) | 3.8545% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 6,462 |
| Loan loss allowance to noncurrent loans | 497.6190% | 879 |
| Noncurrent assets plus other real estate owned to assets | 1.1136% | 3,502 |
| Noncurrent loans to loans | 0.1461% | 5,959 |
| Net loans and leases to total assets | 56.9470% | 4,145 |
| Net loans and leases to deposits | 62.2668% | 4,704 |
| Net loans and leases to core deposits | 62.9828% | 5,006 |
| Total domestic deposits to total assets | 91.4565% | 394 |
| Equity capital to assets | 8.1923% | 6,061 |
| Core capital (leverage) ratio | 8.5550% | 5,603 |
| Tier 1 risk-based capital ratio | 15.2688% | 3,615 |
| Total risk-based capital ratio | 16.0059% | 3,902 |
| Memoranda: | ||
| Average total assets | $50,179,330 | 6,124 |
| Average earning assets | $47,755,670 | 6,048 |
| Average equity | $4,146,000 | 6,416 |
| Average total loans | $28,081,000 | 5,933 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,804 |
| Cost of funding earning assets | 0.7999% | 1,524 |
| Net interest margin | 3.0078% | 5,546 |
| Noninterest income to average assets | 0.6054% | 3,104 |
| Noninterest expense to average assets | 2.2224% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9161% | 2,578 |
| Return on assets (ROA) | 0.9161% | 2,725 |
| Pretax return on assets | 1.2586% | 2,378 |
| Return on Equity (ROE) | 11.0404% | 1,692 |
| Retained earnings to average equity (ytd only) | 11.0404% | 862 |
| Net charge-offs to loans | -0.1441% | 6,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8444% | 5,030 |
| Assets per employee ($millions) | 4.2915% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 6,491 |
| Loan loss allowance to noncurrent loans | 68.1115% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 3,301 |
| Noncurrent loans to loans | 1.1434% | 3,871 |
| Net loans and leases to total assets | 54.4274% | 4,345 |
| Net loans and leases to deposits | 60.7741% | 4,709 |
| Net loans and leases to core deposits | 61.1306% | 5,039 |
| Total domestic deposits to total assets | 89.5569% | 1,325 |
| Equity capital to assets | 8.1692% | 6,279 |
| Core capital (leverage) ratio | 8.3128% | 5,808 |
| Tier 1 risk-based capital ratio | 15.0718% | 3,789 |
| Total risk-based capital ratio | 15.8594% | 4,064 |
| Memoranda: | ||
| Average total assets | $50,215,000 | 6,179 |
| Average earning assets | $48,009,000 | 6,099 |
| Average equity | $4,166,500 | 6,474 |
| Average total loans | $27,749,500 | 6,003 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 4,304 |
| Cost of funding earning assets | 0.8893% | 1,995 |
| Net interest margin | 3.3846% | 4,940 |
| Noninterest income to average assets | 0.8261% | 2,150 |
| Noninterest expense to average assets | 2.3542% | 5,551 |
| Loan and lease loss provision to assets | 0.1605% | 3,611 |
| Net operating income to assets | 0.9216% | 2,697 |
| Return on assets (ROA) | 0.9888% | 2,609 |
| Pretax return on assets | 1.6501% | 1,263 |
| Return on Equity (ROE) | 11.1358% | 1,761 |
| Retained earnings to average equity (ytd only) | 7.4720% | 1,350 |
| Net charge-offs to loans | 0.2156% | 3,670 |
| Credit loss provision to net charge-offs | 131.5789% | 2,125 |
| Earnings coverage of net charge-offs (x) | 13.9825% | 1,777 |
| Efficiency ratio | 57.9863% | 5,829 |
| Assets per employee ($millions) | 4.4484% | 3,054 |
| Cash dividends to net income (ytd only)* | 32.9004% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 6,541 |
| Loan loss allowance to noncurrent loans | 128.8344% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0709% | 3,887 |
| Noncurrent loans to loans | 0.5982% | 5,024 |
| Net loans and leases to total assets | 55.2604% | 4,412 |
| Net loans and leases to deposits | 60.9229% | 4,921 |
| Net loans and leases to core deposits | 61.2943% | 5,238 |
| Total domestic deposits to total assets | 90.7055% | 613 |
| Equity capital to assets | 8.4321% | 6,102 |
| Core capital (leverage) ratio | 8.3440% | 5,833 |
| Tier 1 risk-based capital ratio | 15.4281% | 3,474 |
| Total risk-based capital ratio | 16.2191% | 3,689 |
| Memoranda: | ||
| Average total assets | $46,725,600 | 6,304 |
| Average earning assets | $44,643,200 | 6,219 |
| Average equity | $4,148,800 | 6,536 |
| Average total loans | $26,438,600 | 6,115 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 4,244 |
| Cost of funding earning assets | 0.9096% | 2,110 |
| Net interest margin | 3.4419% | 4,871 |
| Noninterest income to average assets | 0.8172% | 2,166 |
| Noninterest expense to average assets | 2.4255% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1092% | 2,055 |
| Return on assets (ROA) | 1.1435% | 2,129 |
| Pretax return on assets | 1.7325% | 1,199 |
| Return on Equity (ROE) | 12.7089% | 1,410 |
| Retained earnings to average equity (ytd only) | 12.7089% | 418 |
| Net charge-offs to loans | -0.0305% | 6,578 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0717% | 5,649 |
| Assets per employee ($millions) | 4.4070% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7233% | 6,716 |
| Loan loss allowance to noncurrent loans | 126.9231% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 5,890 |
| Noncurrent loans to loans | 0.5699% | 5,297 |
| Net loans and leases to total assets | 56.0575% | 4,443 |
| Net loans and leases to deposits | 62.0845% | 4,961 |
| Net loans and leases to core deposits | 62.4670% | 5,311 |
| Total domestic deposits to total assets | 90.2923% | 683 |
| Equity capital to assets | 8.8991% | 5,922 |
| Core capital (leverage) ratio | 8.6973% | 5,479 |
| Tier 1 risk-based capital ratio | 15.6559% | 3,452 |
| Total risk-based capital ratio | 16.3971% | 3,696 |
| Memoranda: | ||
| Average total assets | $46,174,000 | 6,394 |
| Average earning assets | $44,121,500 | 6,308 |
| Average equity | $4,154,500 | 6,609 |
| Average total loans | $26,235,750 | 6,207 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 4,338 |
| Cost of funding earning assets | 0.9185% | 2,268 |
| Net interest margin | 3.4432% | 4,908 |
| Noninterest income to average assets | 0.7840% | 2,269 |
| Noninterest expense to average assets | 2.4930% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1496% | 1,879 |
| Return on assets (ROA) | 1.1496% | 2,093 |
| Pretax return on assets | 1.5769% | 1,618 |
| Return on Equity (ROE) | 12.7276% | 1,437 |
| Retained earnings to average equity (ytd only) | 12.7276% | 471 |
| Net charge-offs to loans | -0.0464% | 6,644 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2554% | 5,373 |
| Assets per employee ($millions) | 3.8578% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 6,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 56.8164% | 4,350 |
| Net loans and leases to deposits | 63.0910% | 4,869 |
| Net loans and leases to core deposits | 63.4977% | 5,261 |
| Total domestic deposits to total assets | 90.0547% | 894 |
| Equity capital to assets | 9.0597% | 5,637 |
| Core capital (leverage) ratio | 8.8160% | 5,195 |
| Tier 1 risk-based capital ratio | 15.4737% | 3,459 |
| Total risk-based capital ratio | 16.2308% | 3,729 |
| Memoranda: | ||
| Average total assets | $45,406,330 | 6,455 |
| Average earning assets | $43,332,330 | 6,369 |
| Average equity | $4,101,330 | 6,655 |
| Average total loans | $25,856,670 | 6,270 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 4,447 |
| Cost of funding earning assets | 0.9711% | 2,153 |
| Net interest margin | 3.3987% | 5,127 |
| Noninterest income to average assets | 0.9341% | 1,616 |
| Noninterest expense to average assets | 2.5621% | 4,951 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2544% | 1,591 |
| Return on assets (ROA) | 1.2544% | 1,762 |
| Pretax return on assets | 1.6102% | 1,539 |
| Return on Equity (ROE) | 13.9088% | 1,207 |
| Retained earnings to average equity (ytd only) | 13.9088% | 577 |
| Net charge-offs to loans | -0.0940% | 6,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4072% | 5,382 |
| Assets per employee ($millions) | 3.7767% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 6,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 56.5711% | 4,279 |
| Net loans and leases to deposits | 62.8490% | 4,792 |
| Net loans and leases to core deposits | 63.2631% | 5,199 |
| Total domestic deposits to total assets | 90.0110% | 1,078 |
| Equity capital to assets | 9.0909% | 5,369 |
| Core capital (leverage) ratio | 8.6514% | 5,377 |
| Tier 1 risk-based capital ratio | 15.4847% | 3,459 |
| Total risk-based capital ratio | 16.2657% | 3,708 |
| Memoranda: | ||
| Average total assets | $44,963,000 | 6,512 |
| Average earning assets | $42,839,500 | 6,433 |
| Average equity | $4,055,000 | 6,702 |
| Average total loans | $25,535,000 | 6,333 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 5,333 |
| Cost of funding earning assets | 1.1375% | 2,427 |
| Net interest margin | 3.2856% | 5,854 |
| Noninterest income to average assets | 0.8275% | 1,933 |
| Noninterest expense to average assets | 2.6673% | 4,861 |
| Loan and lease loss provision to assets | 0.1734% | 4,464 |
| Net operating income to assets | 0.6981% | 3,501 |
| Return on assets (ROA) | 0.7928% | 3,232 |
| Pretax return on assets | 1.2458% | 2,312 |
| Return on Equity (ROE) | 8.9683% | 2,462 |
| Retained earnings to average equity (ytd only) | 6.6935% | 1,646 |
| Net charge-offs to loans | 0.2225% | 4,390 |
| Credit loss provision to net charge-offs | 144.2308% | 2,004 |
| Earnings coverage of net charge-offs (x) | 10.5769% | 1,820 |
| Efficiency ratio | 67.7230% | 4,417 |
| Assets per employee ($millions) | 3.7172% | 4,515 |
| Cash dividends to net income (ytd only)* | 25.3644% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 6,819 |
| Loan loss allowance to noncurrent loans | 114.2857% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 6,034 |
| Noncurrent loans to loans | 0.6658% | 5,371 |
| Net loans and leases to total assets | 56.1404% | 4,673 |
| Net loans and leases to deposits | 62.2672% | 5,206 |
| Net loans and leases to core deposits | 62.6818% | 5,580 |
| Total domestic deposits to total assets | 90.1605% | 903 |
| Equity capital to assets | 8.9450% | 5,615 |
| Core capital (leverage) ratio | 8.6204% | 5,365 |
| Tier 1 risk-based capital ratio | 15.1041% | 3,578 |
| Total risk-based capital ratio | 15.8701% | 3,864 |
| Memoranda: | ||
| Average total assets | $43,264,000 | 6,558 |
| Average earning assets | $40,966,600 | 6,493 |
| Average equity | $3,824,600 | 6,799 |
| Average total loans | $23,366,400 | 6,496 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 5,446 |
| Cost of funding earning assets | 1.1491% | 2,636 |
| Net interest margin | 3.2962% | 5,869 |
| Noninterest income to average assets | 0.8137% | 1,985 |
| Noninterest expense to average assets | 2.6617% | 4,864 |
| Loan and lease loss provision to assets | 0.2360% | 3,648 |
| Net operating income to assets | 0.7045% | 3,595 |
| Return on assets (ROA) | 0.7827% | 3,408 |
| Pretax return on assets | 1.1492% | 2,825 |
| Return on Equity (ROE) | 8.8810% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.8810% | 1,190 |
| Net charge-offs to loans | 0.3028% | 3,574 |
| Credit loss provision to net charge-offs | 146.1538% | 2,158 |
| Earnings coverage of net charge-offs (x) | 7.8656% | 2,282 |
| Efficiency ratio | 67.6935% | 4,379 |
| Assets per employee ($millions) | 4.4009% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 6,833 |
| Loan loss allowance to noncurrent loans | 63.0719% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 5,407 |
| Noncurrent loans to loans | 1.2559% | 4,438 |
| Net loans and leases to total assets | 54.9251% | 5,008 |
| Net loans and leases to deposits | 61.4610% | 5,466 |
| Net loans and leases to core deposits | 61.8779% | 5,821 |
| Total domestic deposits to total assets | 89.3658% | 1,216 |
| Equity capital to assets | 9.1209% | 5,615 |
| Core capital (leverage) ratio | 8.5919% | 5,568 |
| Tier 1 risk-based capital ratio | 15.6281% | 3,318 |
| Total risk-based capital ratio | 16.4256% | 3,527 |
| Memoranda: | ||
| Average total assets | $42,928,500 | 6,629 |
| Average earning assets | $40,611,750 | 6,559 |
| Average equity | $3,783,250 | 6,863 |
| Average total loans | $22,899,500 | 6,582 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 5,790 |
| Cost of funding earning assets | 1.1660% | 2,798 |
| Net interest margin | 3.2041% | 6,150 |
| Noninterest income to average assets | 0.7329% | 2,358 |
| Noninterest expense to average assets | 2.7250% | 4,723 |
| Loan and lease loss provision to assets | 0.3524% | 2,673 |
| Net operating income to assets | 0.3586% | 5,139 |
| Return on assets (ROA) | 0.4698% | 4,781 |
| Pretax return on assets | 0.8504% | 3,828 |
| Return on Equity (ROE) | 5.3962% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.3962% | 2,739 |
| Net charge-offs to loans | 0.6068% | 2,308 |
| Credit loss provision to net charge-offs | 110.2941% | 2,779 |
| Earnings coverage of net charge-offs (x) | 3.2206% | 3,261 |
| Efficiency ratio | 72.5907% | 3,621 |
| Assets per employee ($millions) | 3.9998% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 6,920 |
| Loan loss allowance to noncurrent loans | 251.4286% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 4,834 |
| Noncurrent loans to loans | 0.3064% | 6,309 |
| Net loans and leases to total assets | 51.5228% | 5,624 |
| Net loans and leases to deposits | 56.9516% | 6,055 |
| Net loans and leases to core deposits | 57.3318% | 6,322 |
| Total domestic deposits to total assets | 90.4677% | 727 |
| Equity capital to assets | 8.6754% | 5,972 |
| Core capital (leverage) ratio | 8.2816% | 5,900 |
| Tier 1 risk-based capital ratio | 15.2656% | 3,365 |
| Total risk-based capital ratio | 16.0057% | 3,608 |
| Memoranda: | ||
| Average total assets | $42,568,330 | 6,695 |
| Average earning assets | $40,136,000 | 6,636 |
| Average equity | $3,706,330 | 6,927 |
| Average total loans | $22,411,000 | 6,668 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 6,131 |
| Cost of funding earning assets | 1.1351% | 3,262 |
| Net interest margin | 3.1214% | 6,289 |
| Noninterest income to average assets | 0.7168% | 2,474 |
| Noninterest expense to average assets | 2.6856% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4587% | 4,664 |
| Return on assets (ROA) | 0.4587% | 4,754 |
| Pretax return on assets | 0.9748% | 3,226 |
| Return on Equity (ROE) | 5.2588% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.2588% | 3,031 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3681% | 3,628 |
| Assets per employee ($millions) | 3.5884% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 6,955 |
| Loan loss allowance to noncurrent loans | 248.5294% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 4,089 |
| Noncurrent loans to loans | 0.3149% | 6,362 |
| Net loans and leases to total assets | 49.7527% | 5,883 |
| Net loans and leases to deposits | 54.9799% | 6,217 |
| Net loans and leases to core deposits | 55.3535% | 6,461 |
| Total domestic deposits to total assets | 90.4926% | 845 |
| Equity capital to assets | 8.6041% | 5,770 |
| Core capital (leverage) ratio | 8.4238% | 5,588 |
| Tier 1 risk-based capital ratio | 15.4414% | 3,181 |
| Total risk-based capital ratio | 16.1709% | 3,432 |
| Memoranda: | ||
| Average total assets | $41,853,500 | 6,768 |
| Average earning assets | $39,469,000 | 6,702 |
| Average equity | $3,651,000 | 6,972 |
| Average total loans | $22,194,000 | 6,726 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 5,249 |
| Cost of funding earning assets | 1.4391% | 3,024 |
| Net interest margin | 3.4068% | 5,604 |
| Noninterest income to average assets | 1.0491% | 1,359 |
| Noninterest expense to average assets | 2.8573% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8325% | 2,658 |
| Return on assets (ROA) | 0.8377% | 2,782 |
| Pretax return on assets | 1.4151% | 1,623 |
| Return on Equity (ROE) | 8.5124% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.6832% | 2,617 |
| Net charge-offs to loans | -0.0046% | 7,259 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0057% | 4,763 |
| Assets per employee ($millions) | 3.3872% | 5,202 |
| Cash dividends to net income (ytd only)* | 44.9838% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 7,057 |
| Loan loss allowance to noncurrent loans | 31.0219% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 1.5278% | 4,027 |
| Noncurrent loans to loans | 2.4040% | 3,111 |
| Net loans and leases to total assets | 55.6635% | 5,392 |
| Net loans and leases to deposits | 61.7798% | 5,865 |
| Net loans and leases to core deposits | 62.2250% | 6,221 |
| Total domestic deposits to total assets | 90.0999% | 1,035 |
| Equity capital to assets | 8.8496% | 5,358 |
| Core capital (leverage) ratio | 9.0476% | 4,458 |
| Tier 1 risk-based capital ratio | 15.1511% | 3,171 |
| Total risk-based capital ratio | 15.8810% | 3,423 |
| Memoranda: | ||
| Average total assets | $36,888,400 | 6,977 |
| Average earning assets | $34,813,200 | 6,919 |
| Average equity | $3,630,000 | 7,100 |
| Average total loans | $21,586,600 | 6,849 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9336% | 5,118 |
| Cost of funding earning assets | 1.4557% | 3,242 |
| Net interest margin | 3.4779% | 5,381 |
| Noninterest income to average assets | 0.9828% | 1,509 |
| Noninterest expense to average assets | 2.8707% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9199% | 2,539 |
| Return on assets (ROA) | 0.9272% | 2,641 |
| Pretax return on assets | 1.4020% | 1,874 |
| Return on Equity (ROE) | 9.1618% | 2,432 |
| Retained earnings to average equity (ytd only) | 9.1618% | 1,001 |
| Net charge-offs to loans | 0.0250% | 6,324 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 93.8068% | 329 |
| Efficiency ratio | 67.3629% | 4,592 |
| Assets per employee ($millions) | 3.1369% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 7,096 |
| Loan loss allowance to noncurrent loans | 33.0645% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 1.5116% | 4,189 |
| Noncurrent loans to loans | 2.2881% | 3,347 |
| Net loans and leases to total assets | 57.1501% | 5,389 |
| Net loans and leases to deposits | 64.7338% | 5,819 |
| Net loans and leases to core deposits | 65.2463% | 6,187 |
| Total domestic deposits to total assets | 88.2847% | 1,809 |
| Equity capital to assets | 10.0948% | 4,026 |
| Core capital (leverage) ratio | 9.7386% | 3,571 |
| Tier 1 risk-based capital ratio | 16.5059% | 2,553 |
| Total risk-based capital ratio | 17.2557% | 2,710 |
| Memoranda: | ||
| Average total assets | $35,949,000 | 7,099 |
| Average earning assets | $33,889,500 | 7,031 |
| Average equity | $3,638,250 | 7,190 |
| Average total loans | $21,284,500 | 6,949 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0988% | 4,461 |
| Cost of funding earning assets | 1.4757% | 3,395 |
| Net interest margin | 3.6232% | 4,719 |
| Noninterest income to average assets | 0.8874% | 1,734 |
| Noninterest expense to average assets | 2.9052% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9214% | 2,463 |
| Return on assets (ROA) | 0.9326% | 2,517 |
| Pretax return on assets | 1.4131% | 1,808 |
| Return on Equity (ROE) | 9.2067% | 2,384 |
| Retained earnings to average equity (ytd only) | 9.2067% | 1,045 |
| Net charge-offs to loans | -0.0284% | 7,342 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5427% | 4,667 |
| Assets per employee ($millions) | 2.9634% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 6,996 |
| Loan loss allowance to noncurrent loans | 35.0305% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 1.3807% | 4,415 |
| Noncurrent loans to loans | 2.3301% | 3,335 |
| Net loans and leases to total assets | 58.7723% | 5,287 |
| Net loans and leases to deposits | 66.2609% | 5,773 |
| Net loans and leases to core deposits | 66.8116% | 6,174 |
| Total domestic deposits to total assets | 88.6983% | 1,604 |
| Equity capital to assets | 10.4159% | 3,511 |
| Core capital (leverage) ratio | 9.9273% | 3,249 |
| Tier 1 risk-based capital ratio | 16.6054% | 2,438 |
| Total risk-based capital ratio | 17.4159% | 2,561 |
| Memoranda: | ||
| Average total assets | $35,384,330 | 7,165 |
| Average earning assets | $33,341,000 | 7,101 |
| Average equity | $3,584,330 | 7,241 |
| Average total loans | $21,153,670 | 7,007 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1206% | 4,434 |
| Cost of funding earning assets | 1.5470% | 3,283 |
| Net interest margin | 3.5736% | 4,840 |
| Noninterest income to average assets | 0.7706% | 2,172 |
| Noninterest expense to average assets | 2.8898% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8273% | 2,849 |
| Return on assets (ROA) | 0.8273% | 2,944 |
| Pretax return on assets | 1.2579% | 2,183 |
| Return on Equity (ROE) | 8.2849% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.2849% | 1,595 |
| Net charge-offs to loans | -0.0189% | 7,063 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6721% | 4,373 |
| Assets per employee ($millions) | 2.9470% | 6,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 7,137 |
| Loan loss allowance to noncurrent loans | 36.2473% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 1.3262% | 4,538 |
| Noncurrent loans to loans | 2.1954% | 3,532 |
| Net loans and leases to total assets | 59.9282% | 5,130 |
| Net loans and leases to deposits | 66.9690% | 5,713 |
| Net loans and leases to core deposits | 68.0659% | 6,095 |
| Total domestic deposits to total assets | 89.4865% | 1,251 |
| Equity capital to assets | 10.0328% | 3,821 |
| Core capital (leverage) ratio | 9.7733% | 3,428 |
| Tier 1 risk-based capital ratio | 16.0247% | 2,649 |
| Total risk-based capital ratio | 16.8184% | 2,783 |
| Memoranda: | ||
| Average total assets | $35,296,000 | 7,260 |
| Average earning assets | $33,355,500 | 7,189 |
| Average equity | $3,524,500 | 7,337 |
| Average total loans | $21,194,500 | 7,090 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7081% | 3,061 |
| Cost of funding earning assets | 1.8600% | 3,675 |
| Net interest margin | 3.8481% | 3,492 |
| Noninterest income to average assets | 0.6023% | 3,617 |
| Noninterest expense to average assets | 3.0855% | 3,810 |
| Loan and lease loss provision to assets | 1.0630% | 2,160 |
| Net operating income to assets | 0.0967% | 5,223 |
| Return on assets (ROA) | 0.0325% | 5,439 |
| Pretax return on assets | -0.0118% | 5,466 |
| Return on Equity (ROE) | 0.2983% | 5,441 |
| Retained earnings to average equity (ytd only) | -3.4709% | 5,784 |
| Net charge-offs to loans | 1.7213% | 1,460 |
| Credit loss provision to net charge-offs | 100.5587% | 5,486 |
| Earnings coverage of net charge-offs (x) | 1.0894% | 5,019 |
| Efficiency ratio | 72.8223% | 4,131 |
| Assets per employee ($millions) | 2.5163% | 7,182 |
| Cash dividends to net income (ytd only)* | 1,263.6364% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 7,117 |
| Loan loss allowance to noncurrent loans | 25.9202% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 2.1460% | 3,210 |
| Noncurrent loans to loans | 3.1009% | 2,463 |
| Net loans and leases to total assets | 59.2057% | 5,463 |
| Net loans and leases to deposits | 65.9718% | 6,051 |
| Net loans and leases to core deposits | 80.3893% | 6,052 |
| Total domestic deposits to total assets | 89.7440% | 1,082 |
| Equity capital to assets | 9.9381% | 3,851 |
| Core capital (leverage) ratio | 9.5337% | 3,679 |
| Tier 1 risk-based capital ratio | 15.9277% | 2,556 |
| Total risk-based capital ratio | 16.7291% | 2,677 |
| Memoranda: | ||
| Average total assets | $33,867,800 | 7,328 |
| Average earning assets | $31,989,800 | 7,262 |
| Average equity | $3,687,800 | 7,389 |
| Average total loans | $20,798,400 | 7,152 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9009% | 2,446 |
| Cost of funding earning assets | 1.9081% | 3,841 |
| Net interest margin | 3.9928% | 2,853 |
| Noninterest income to average assets | 0.5647% | 3,973 |
| Noninterest expense to average assets | 2.8990% | 4,456 |
| Loan and lease loss provision to assets | 0.2386% | 5,056 |
| Net operating income to assets | 0.8152% | 2,744 |
| Return on assets (ROA) | 0.8152% | 2,809 |
| Pretax return on assets | 1.2049% | 2,251 |
| Return on Equity (ROE) | 7.3191% | 2,940 |
| Retained earnings to average equity (ytd only) | 7.3191% | 1,388 |
| Net charge-offs to loans | 0.0257% | 6,521 |
| Credit loss provision to net charge-offs | 1,500.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 90.8049% | 388 |
| Efficiency ratio | 66.7582% | 5,234 |
| Assets per employee ($millions) | 2.8680% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 5,962 |
| Loan loss allowance to noncurrent loans | 45.1417% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7376% | 3,761 |
| Noncurrent loans to loans | 2.3487% | 3,205 |
| Net loans and leases to total assets | 60.4661% | 5,509 |
| Net loans and leases to deposits | 68.6957% | 6,067 |
| Net loans and leases to core deposits | 83.2733% | 6,098 |
| Total domestic deposits to total assets | 88.0201% | 1,641 |
| Equity capital to assets | 11.1460% | 2,879 |
| Core capital (leverage) ratio | 10.7611% | 2,595 |
| Tier 1 risk-based capital ratio | 16.9497% | 2,291 |
| Total risk-based capital ratio | 17.9732% | 2,304 |
| Memoranda: | ||
| Average total assets | $33,527,750 | 7,401 |
| Average earning assets | $31,723,000 | 7,340 |
| Average equity | $3,734,500 | 7,439 |
| Average total loans | $20,741,500 | 7,217 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0152% | 2,129 |
| Cost of funding earning assets | 1.9310% | 4,106 |
| Net interest margin | 4.0842% | 2,378 |
| Noninterest income to average assets | 0.5958% | 3,731 |
| Noninterest expense to average assets | 2.8286% | 4,831 |
| Loan and lease loss provision to assets | 0.2407% | 4,662 |
| Net operating income to assets | 0.9509% | 2,276 |
| Return on assets (ROA) | 0.9509% | 2,369 |
| Pretax return on assets | 1.3963% | 1,740 |
| Return on Equity (ROE) | 8.5390% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.5390% | 1,060 |
| Net charge-offs to loans | 0.0388% | 5,924 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 542 |
| Efficiency ratio | 63.3423% | 6,037 |
| Assets per employee ($millions) | 3.0992% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 6,259 |
| Loan loss allowance to noncurrent loans | 32.2734% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 2.1501% | 2,999 |
| Noncurrent loans to loans | 3.0944% | 2,315 |
| Net loans and leases to total assets | 59.0302% | 5,841 |
| Net loans and leases to deposits | 67.0353% | 6,286 |
| Net loans and leases to core deposits | 80.9852% | 6,324 |
| Total domestic deposits to total assets | 88.0584% | 1,737 |
| Equity capital to assets | 10.9266% | 2,992 |
| Core capital (leverage) ratio | 10.7155% | 2,649 |
| Tier 1 risk-based capital ratio | 16.3607% | 2,497 |
| Total risk-based capital ratio | 17.2719% | 2,557 |
| Memoranda: | ||
| Average total assets | $33,231,670 | 7,477 |
| Average earning assets | $31,487,000 | 7,417 |
| Average equity | $3,700,670 | 7,509 |
| Average total loans | $20,644,330 | 7,287 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0232% | 2,265 |
| Cost of funding earning assets | 1.9691% | 4,290 |
| Net interest margin | 4.0541% | 2,440 |
| Noninterest income to average assets | 0.4512% | 4,755 |
| Noninterest expense to average assets | 2.8413% | 4,376 |
| Loan and lease loss provision to assets | 0.1219% | 5,402 |
| Net operating income to assets | 0.9390% | 2,550 |
| Return on assets (ROA) | 0.9390% | 2,682 |
| Pretax return on assets | 1.3292% | 2,185 |
| Return on Equity (ROE) | 8.3503% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.3503% | 1,680 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1932% | 5,293 |
| Assets per employee ($millions) | 3.0254% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 6,974 |
| Loan loss allowance to noncurrent loans | 43.3824% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 1.5385% | 3,629 |
| Noncurrent loans to loans | 1.9579% | 3,324 |
| Net loans and leases to total assets | 62.0872% | 5,302 |
| Net loans and leases to deposits | 70.7264% | 5,898 |
| Net loans and leases to core deposits | 82.5390% | 6,187 |
| Total domestic deposits to total assets | 87.7851% | 1,852 |
| Equity capital to assets | 11.1422% | 2,858 |
| Core capital (leverage) ratio | 10.8415% | 2,625 |
| Tier 1 risk-based capital ratio | 16.8893% | 2,369 |
| Total risk-based capital ratio | 17.7279% | 2,460 |
| Memoranda: | ||
| Average total assets | $32,802,000 | 7,538 |
| Average earning assets | $31,080,000 | 7,472 |
| Average equity | $3,688,500 | 7,561 |
| Average total loans | $20,803,000 | 7,316 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0901% | 5,101 |
| Cost of funding earning assets | 2.3306% | 5,006 |
| Net interest margin | 3.7594% | 4,184 |
| Noninterest income to average assets | 0.5181% | 4,484 |
| Noninterest expense to average assets | 2.7346% | 5,115 |
| Loan and lease loss provision to assets | 0.0640% | 6,601 |
| Net operating income to assets | 0.8437% | 3,249 |
| Return on assets (ROA) | 0.8795% | 2,942 |
| Pretax return on assets | 1.3337% | 2,193 |
| Return on Equity (ROE) | 7.8733% | 3,124 |
| Retained earnings to average equity (ytd only) | 3.8937% | 2,705 |
| Net charge-offs to loans | 0.0102% | 6,787 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 229 |
| Efficiency ratio | 67.0588% | 4,898 |
| Assets per employee ($millions) | 3.2325% | 5,389 |
| Cash dividends to net income (ytd only)* | 50.5455% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 7,089 |
| Loan loss allowance to noncurrent loans | 41.1330% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5777% | 3,080 |
| Noncurrent loans to loans | 1.9550% | 2,819 |
| Net loans and leases to total assets | 63.7278% | 5,331 |
| Net loans and leases to deposits | 73.1794% | 5,930 |
| Net loans and leases to core deposits | 84.4193% | 6,262 |
| Total domestic deposits to total assets | 87.0843% | 1,895 |
| Equity capital to assets | 11.3503% | 2,751 |
| Core capital (leverage) ratio | 10.9360% | 2,640 |
| Tier 1 risk-based capital ratio | 16.9210% | 2,336 |
| Total risk-based capital ratio | 17.7274% | 2,422 |
| Memoranda: | ||
| Average total assets | $31,266,000 | 7,590 |
| Average earning assets | $29,605,600 | 7,534 |
| Average equity | $3,492,800 | 7,686 |
| Average total loans | $19,567,600 | 7,361 |