Home > Mission Bank > Performance and Condition Ratios
Mission 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 | 4.0307% | 4,258 |
| Cost of funding earning assets | 0.9604% | 4,025 |
| Net interest margin | 3.0702% | 3,263 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 2.9212% | 1,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.1847% | 3,991 |
| Return on assets (ROA) | 0.1847% | 4,022 |
| Pretax return on assets | 0.2526% | 3,990 |
| Return on Equity (ROE) | 3.1500% | 3,841 |
| Retained earnings to average equity (ytd only) | 3.1532% | 3,053 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 92.0401% | 435 |
| Assets per employee ($millions) | 5.6991% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 2,723 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 38.9200% | 4,014 |
| Net loans and leases to deposits | 41.6009% | 4,095 |
| Net loans and leases to core deposits | 44.2216% | 4,098 |
| Total domestic deposits to total assets | 93.5500% | 100 |
| Equity capital to assets | 5.7893% | 4,280 |
| Core capital (leverage) ratio | 8.8658% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6758% | 932 |
| Memoranda: | ||
| Average total assets | $188,418,500 | 3,099 |
| Average earning assets | $175,753,000 | 3,080 |
| Average equity | $11,036,500 | 3,702 |
| Average total loans | $75,849,500 | 3,498 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 4,234 |
| Cost of funding earning assets | 0.8852% | 4,115 |
| Net interest margin | 3.1897% | 2,747 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 2.9076% | 1,303 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.3557% | 3,758 |
| Return on assets (ROA) | 0.3557% | 3,783 |
| Pretax return on assets | 0.4750% | 3,700 |
| Return on Equity (ROE) | 7.2700% | 2,945 |
| Retained earnings to average equity (ytd only) | 5.2047% | 2,147 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 85.1130% | 728 |
| Assets per employee ($millions) | 5.7208% | 3,104 |
| Cash dividends to net income (ytd only)* | 28.4431% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 2,638 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 40.7600% | 3,985 |
| Net loans and leases to deposits | 43.6485% | 4,078 |
| Net loans and leases to core deposits | 46.2174% | 4,091 |
| Total domestic deposits to total assets | 93.3700% | 141 |
| Equity capital to assets | 5.9295% | 4,223 |
| Core capital (leverage) ratio | 8.8895% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8644% | 904 |
| Memoranda: | ||
| Average total assets | $187,783,000 | 3,072 |
| Average earning assets | $176,570,600 | 3,043 |
| Average equity | $9,184,000 | 3,845 |
| Average total loans | $73,769,400 | 3,510 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 4,258 |
| Cost of funding earning assets | 0.8785% | 4,143 |
| Net interest margin | 3.1713% | 2,743 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 2.9175% | 1,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2801% | 3,892 |
| Return on assets (ROA) | 0.2801% | 3,921 |
| Pretax return on assets | 0.3732% | 3,855 |
| Return on Equity (ROE) | 6.0300% | 3,309 |
| Retained earnings to average equity (ytd only) | 3.1441% | 3,131 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 88.6578% | 596 |
| Assets per employee ($millions) | 5.3243% | 3,429 |
| Cash dividends to net income (ytd only)* | 47.8589% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,160 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 39.4300% | 4,049 |
| Net loans and leases to deposits | 42.1898% | 4,152 |
| Net loans and leases to core deposits | 44.6189% | 4,151 |
| Total domestic deposits to total assets | 93.4500% | 62 |
| Equity capital to assets | 5.8454% | 4,366 |
| Core capital (leverage) ratio | 8.7186% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4173% | 1,016 |
| Memoranda: | ||
| Average total assets | $188,972,500 | 3,066 |
| Average earning assets | $177,712,750 | 3,044 |
| Average equity | $8,778,250 | 3,903 |
| Average total loans | $73,349,500 | 3,524 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 4,272 |
| Cost of funding earning assets | 0.8910% | 4,116 |
| Net interest margin | 3.1285% | 2,799 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 2.8908% | 1,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.2760% | 3,884 |
| Return on assets (ROA) | 0.2760% | 3,920 |
| Pretax return on assets | 0.3666% | 3,857 |
| Return on Equity (ROE) | 6.4900% | 3,126 |
| Retained earnings to average equity (ytd only) | 4.8803% | 2,376 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 88.7451% | 627 |
| Assets per employee ($millions) | 5.3524% | 3,340 |
| Cash dividends to net income (ytd only)* | 24.8092% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,102 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 38.6000% | 4,078 |
| Net loans and leases to deposits | 41.8180% | 4,161 |
| Net loans and leases to core deposits | 43.7186% | 4,171 |
| Total domestic deposits to total assets | 92.3100% | 219 |
| Equity capital to assets | 4.4487% | 4,427 |
| Core capital (leverage) ratio | 7.5302% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6439% | 1,359 |
| Memoranda: | ||
| Average total assets | $189,846,333 | 3,066 |
| Average earning assets | $178,678,667 | 3,041 |
| Average equity | $8,073,333 | 3,967 |
| Average total loans | $73,056,333 | 3,533 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 4,300 |
| Cost of funding earning assets | 0.8502% | 4,139 |
| Net interest margin | 3.0945% | 2,805 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 2.8236% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2868% | 3,848 |
| Return on assets (ROA) | 0.2868% | 3,881 |
| Pretax return on assets | 0.3789% | 3,801 |
| Return on Equity (ROE) | 6.9000% | 2,981 |
| Retained earnings to average equity (ytd only) | 6.8992% | 1,857 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.1699% | 672 |
| Assets per employee ($millions) | 5.1458% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,145 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 38.0600% | 4,081 |
| Net loans and leases to deposits | 42.8034% | 4,121 |
| Net loans and leases to core deposits | 44.7909% | 4,181 |
| Total domestic deposits to total assets | 88.9200% | 1,124 |
| Equity capital to assets | 4.2150% | 4,462 |
| Core capital (leverage) ratio | 7.3558% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4429% | 1,413 |
| Memoranda: | ||
| Average total assets | $191,102,000 | 3,060 |
| Average earning assets | $180,191,500 | 3,036 |
| Average equity | $7,943,000 | 3,998 |
| Average total loans | $73,048,000 | 3,528 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 4,139 |
| Cost of funding earning assets | 0.2469% | 4,420 |
| Net interest margin | 3.5899% | 1,986 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.5987% | 2,003 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8164% | 2,818 |
| Return on assets (ROA) | 0.8164% | 2,800 |
| Pretax return on assets | 1.0970% | 2,417 |
| Return on Equity (ROE) | 24.0700% | 349 |
| Retained earnings to average equity (ytd only) | 19.5743% | 141 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.1427% | 1,858 |
| Assets per employee ($millions) | 5.1841% | 3,488 |
| Cash dividends to net income (ytd only)* | 18.6800% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,128 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 37.6000% | 4,107 |
| Net loans and leases to deposits | 42.8105% | 4,134 |
| Net loans and leases to core deposits | 44.2300% | 4,201 |
| Total domestic deposits to total assets | 87.8300% | 1,408 |
| Equity capital to assets | 4.0983% | 4,493 |
| Core capital (leverage) ratio | 7.2909% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2641% | 1,457 |
| Memoranda: | ||
| Average total assets | $196,710,200 | 3,005 |
| Average earning assets | $185,131,600 | 2,973 |
| Average equity | $6,672,000 | 4,085 |
| Average total loans | $69,634,800 | 3,557 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 4,133 |
| Cost of funding earning assets | 0.1749% | 4,461 |
| Net interest margin | 3.6023% | 2,006 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.6735% | 1,734 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7699% | 3,112 |
| Return on assets (ROA) | 0.7699% | 3,104 |
| Pretax return on assets | 1.0347% | 2,759 |
| Return on Equity (ROE) | 23.9100% | 442 |
| Retained earnings to average equity (ytd only) | 20.2460% | 250 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.8631% | 1,588 |
| Assets per employee ($millions) | 5.3819% | 3,275 |
| Cash dividends to net income (ytd only)* | 15.3106% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,052 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 36.2500% | 4,175 |
| Net loans and leases to deposits | 37.7878% | 4,260 |
| Net loans and leases to core deposits | 38.7578% | 4,282 |
| Total domestic deposits to total assets | 95.9300% | 83 |
| Equity capital to assets | 3.5226% | 4,453 |
| Core capital (leverage) ratio | 7.1119% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9653% | 1,578 |
| Memoranda: | ||
| Average total assets | $197,935,000 | 3,012 |
| Average earning assets | $185,985,250 | 2,981 |
| Average equity | $6,374,750 | 4,132 |
| Average total loans | $68,823,500 | 3,582 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7220% | 4,118 |
| Cost of funding earning assets | 0.1064% | 4,513 |
| Net interest margin | 3.6156% | 2,002 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.6900% | 1,666 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7736% | 3,160 |
| Return on assets (ROA) | 0.7736% | 3,172 |
| Pretax return on assets | 1.0485% | 2,782 |
| Return on Equity (ROE) | 24.7700% | 393 |
| Retained earnings to average equity (ytd only) | 24.7724% | 128 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.6079% | 1,600 |
| Assets per employee ($millions) | 5.2949% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,070 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 35.4800% | 4,194 |
| Net loans and leases to deposits | 37.2396% | 4,273 |
| Net loans and leases to core deposits | 38.1868% | 4,288 |
| Total domestic deposits to total assets | 95.2700% | 84 |
| Equity capital to assets | 3.4873% | 4,547 |
| Core capital (leverage) ratio | 7.0079% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8684% | 1,608 |
| Memoranda: | ||
| Average total assets | $199,330,000 | 3,007 |
| Average earning assets | $187,907,333 | 2,975 |
| Average equity | $6,224,667 | 4,166 |
| Average total loans | $68,101,333 | 3,596 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6931% | 4,032 |
| Cost of funding earning assets | 0.0551% | 4,572 |
| Net interest margin | 3.6380% | 2,037 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.8074% | 1,413 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6964% | 3,480 |
| Return on assets (ROA) | 0.6964% | 3,427 |
| Pretax return on assets | 0.9371% | 3,157 |
| Return on Equity (ROE) | 23.6400% | 466 |
| Retained earnings to average equity (ytd only) | 23.6447% | 213 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.7352% | 1,272 |
| Assets per employee ($millions) | 5.2029% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,034 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 33.6600% | 4,273 |
| Net loans and leases to deposits | 34.9782% | 4,352 |
| Net loans and leases to core deposits | 35.6576% | 4,374 |
| Total domestic deposits to total assets | 96.2300% | 44 |
| Equity capital to assets | 3.2229% | 4,591 |
| Core capital (leverage) ratio | 6.6132% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7818% | 1,689 |
| Memoranda: | ||
| Average total assets | $201,038,500 | 3,033 |
| Average earning assets | $188,894,000 | 3,003 |
| Average equity | $5,921,000 | 4,251 |
| Average total loans | $67,020,500 | 3,656 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 4,164 |
| Cost of funding earning assets | 0.0600% | 4,547 |
| Net interest margin | 2.9140% | 3,649 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.5031% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4502% | 4,168 |
| Return on assets (ROA) | 0.4502% | 4,129 |
| Pretax return on assets | 0.6026% | 4,023 |
| Return on Equity (ROE) | 14.9200% | 1,270 |
| Retained earnings to average equity (ytd only) | 8.0747% | 1,800 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.5975% | 672 |
| Assets per employee ($millions) | 5.5234% | 3,192 |
| Cash dividends to net income (ytd only)* | 45.8785% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 2,876 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 32.3000% | 4,329 |
| Net loans and leases to deposits | 33.3237% | 4,405 |
| Net loans and leases to core deposits | 33.9484% | 4,417 |
| Total domestic deposits to total assets | 96.9300% | 55 |
| Equity capital to assets | 2.6766% | 4,621 |
| Core capital (leverage) ratio | 6.0157% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4978% | 1,782 |
| Memoranda: | ||
| Average total assets | $204,782,800 | 3,017 |
| Average earning assets | $193,308,000 | 2,985 |
| Average equity | $6,179,800 | 4,309 |
| Average total loans | $60,963,400 | 3,709 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8443% | 4,135 |
| Cost of funding earning assets | 0.0595% | 4,532 |
| Net interest margin | 2.7848% | 3,767 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.5306% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3459% | 4,325 |
| Return on assets (ROA) | 0.3459% | 4,276 |
| Pretax return on assets | 0.4517% | 4,205 |
| Return on Equity (ROE) | 12.2900% | 1,946 |
| Retained earnings to average equity (ytd only) | 2.4809% | 3,921 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.8545% | 501 |
| Assets per employee ($millions) | 6.1089% | 2,666 |
| Cash dividends to net income (ytd only)* | 79.8113% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,670 |
| Loan loss allowance to noncurrent loans | 550.0000% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,260 |
| Noncurrent loans to loans | 0.2136% | 2,543 |
| Net loans and leases to total assets | 28.9900% | 4,446 |
| Net loans and leases to deposits | 29.8006% | 4,500 |
| Net loans and leases to core deposits | 30.3314% | 4,505 |
| Total domestic deposits to total assets | 97.2800% | 72 |
| Equity capital to assets | 2.2866% | 4,650 |
| Core capital (leverage) ratio | 5.3795% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2800% | 1,947 |
| Memoranda: | ||
| Average total assets | $204,266,500 | 3,037 |
| Average earning assets | $192,612,250 | 3,008 |
| Average equity | $5,750,500 | 4,393 |
| Average total loans | $59,517,500 | 3,754 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5948% | 4,277 |
| Cost of funding earning assets | 0.0592% | 4,536 |
| Net interest margin | 2.5357% | 4,023 |
| Noninterest income to average assets | 0.3223% | 3,244 |
| Noninterest expense to average assets | 2.5154% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1522% | 4,472 |
| Return on assets (ROA) | 0.1522% | 4,438 |
| Pretax return on assets | 0.1939% | 4,420 |
| Return on Equity (ROE) | 5.0682% | 3,803 |
| Retained earnings to average equity (ytd only) | -8.9439% | 4,643 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8414% | 327 |
| Assets per employee ($millions) | 5.5881% | 3,133 |
| Cash dividends to net income (ytd only)* | 276.4706% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,587 |
| Loan loss allowance to noncurrent loans | 519.0141% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,289 |
| Noncurrent loans to loans | 0.2351% | 2,543 |
| Net loans and leases to total assets | 28.8604% | 4,495 |
| Net loans and leases to deposits | 29.2788% | 4,561 |
| Net loans and leases to core deposits | 29.8081% | 4,570 |
| Total domestic deposits to total assets | 98.5708% | 17 |
| Equity capital to assets | 1.1056% | 4,748 |
| Core capital (leverage) ratio | 5.7644% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3366% | 1,923 |
| Memoranda: | ||
| Average total assets | $201,084,333 | 3,089 |
| Average earning assets | $189,300,333 | 3,069 |
| Average equity | $6,037,667 | 4,407 |
| Average total loans | $58,449,667 | 3,815 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5223% | 4,239 |
| Cost of funding earning assets | 0.0618% | 4,516 |
| Net interest margin | 2.4605% | 3,974 |
| Noninterest income to average assets | 0.3067% | 3,270 |
| Noninterest expense to average assets | 2.5161% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0908% | 4,479 |
| Return on assets (ROA) | 0.0908% | 4,451 |
| Pretax return on assets | 0.1190% | 4,422 |
| Return on Equity (ROE) | 2.2746% | 4,221 |
| Retained earnings to average equity (ytd only) | -19.1066% | 4,692 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4824% | 343 |
| Assets per employee ($millions) | 5.4707% | 3,334 |
| Cash dividends to net income (ytd only)* | 940.0000% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,540 |
| Loan loss allowance to noncurrent loans | 481.6993% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,315 |
| Noncurrent loans to loans | 0.2618% | 2,536 |
| Net loans and leases to total assets | 28.5081% | 4,494 |
| Net loans and leases to deposits | 29.3838% | 4,566 |
| Net loans and leases to core deposits | 29.8787% | 4,584 |
| Total domestic deposits to total assets | 97.0200% | 4 |
| Equity capital to assets | 2.5383% | 4,794 |
| Core capital (leverage) ratio | 5.9769% | 4,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7388% | 1,904 |
| Memoranda: | ||
| Average total assets | $198,246,000 | 3,119 |
| Average earning assets | $187,605,500 | 3,093 |
| Average equity | $7,913,500 | 4,276 |
| Average total loans | $57,470,000 | 3,840 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6396% | 4,373 |
| Cost of funding earning assets | 0.0871% | 4,486 |
| Net interest margin | 2.5525% | 4,115 |
| Noninterest income to average assets | 0.7047% | 1,755 |
| Noninterest expense to average assets | 2.5918% | 1,890 |
| Loan and lease loss provision to assets | 0.0134% | 2,815 |
| Net operating income to assets | 0.3942% | 4,284 |
| Return on assets (ROA) | 0.5918% | 3,937 |
| Pretax return on assets | 0.7752% | 3,777 |
| Return on Equity (ROE) | 9.3108% | 2,784 |
| Retained earnings to average equity (ytd only) | 6.8731% | 1,975 |
| Net charge-offs to loans | -0.0104% | 3,753 |
| Credit loss provision to net charge-offs | -400.0000% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7944% | 628 |
| Assets per employee ($millions) | 5.3910% | 3,363 |
| Cash dividends to net income (ytd only)* | 26.1815% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,339 |
| Loan loss allowance to noncurrent loans | 457.7640% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,363 |
| Noncurrent loans to loans | 0.2850% | 2,580 |
| Net loans and leases to total assets | 28.7315% | 4,546 |
| Net loans and leases to deposits | 30.5448% | 4,614 |
| Net loans and leases to core deposits | 31.0984% | 4,621 |
| Total domestic deposits to total assets | 94.0637% | 13 |
| Equity capital to assets | 5.5076% | 4,827 |
| Core capital (leverage) ratio | 6.1850% | 4,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8131% | 1,576 |
| Memoranda: | ||
| Average total assets | $178,791,400 | 3,218 |
| Average earning assets | $169,914,800 | 3,188 |
| Average equity | $11,363,200 | 3,996 |
| Average total loans | $57,597,400 | 3,858 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6676% | 4,439 |
| Cost of funding earning assets | 0.0931% | 4,554 |
| Net interest margin | 2.5744% | 4,172 |
| Noninterest income to average assets | 0.8519% | 1,377 |
| Noninterest expense to average assets | 2.7036% | 1,578 |
| Loan and lease loss provision to assets | 0.0183% | 2,641 |
| Net operating income to assets | 0.4299% | 4,326 |
| Return on assets (ROA) | 0.6713% | 3,896 |
| Pretax return on assets | 0.8786% | 3,741 |
| Return on Equity (ROE) | 10.1861% | 2,669 |
| Retained earnings to average equity (ytd only) | 6.9834% | 2,427 |
| Net charge-offs to loans | -0.0138% | 3,807 |
| Credit loss provision to net charge-offs | -400.0000% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0537% | 630 |
| Assets per employee ($millions) | 5.6548% | 3,036 |
| Cash dividends to net income (ytd only)* | 31.4415% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 2,266 |
| Loan loss allowance to noncurrent loans | 436.0947% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 3,528 |
| Noncurrent loans to loans | 0.3077% | 2,693 |
| Net loans and leases to total assets | 27.3779% | 4,670 |
| Net loans and leases to deposits | 29.2155% | 4,718 |
| Net loans and leases to core deposits | 29.7356% | 4,731 |
| Total domestic deposits to total assets | 93.7101% | 15 |
| Equity capital to assets | 5.8196% | 4,896 |
| Core capital (leverage) ratio | 6.3421% | 4,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2304% | 1,560 |
| Memoranda: | ||
| Average total assets | $174,970,250 | 3,287 |
| Average earning assets | $166,038,000 | 3,254 |
| Average equity | $11,531,750 | 4,034 |
| Average total loans | $57,872,250 | 3,907 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7024% | 4,451 |
| Cost of funding earning assets | 0.1007% | 4,580 |
| Net interest margin | 2.6016% | 4,165 |
| Noninterest income to average assets | 0.4004% | 3,107 |
| Noninterest expense to average assets | 2.8257% | 1,301 |
| Loan and lease loss provision to assets | 0.0287% | 2,409 |
| Net operating income to assets | 0.0134% | 4,768 |
| Return on assets (ROA) | 0.2773% | 4,567 |
| Pretax return on assets | 0.3335% | 4,553 |
| Return on Equity (ROE) | 4.0221% | 4,325 |
| Retained earnings to average equity (ytd only) | -0.7801% | 4,586 |
| Net charge-offs to loans | -0.0204% | 4,002 |
| Credit loss provision to net charge-offs | -400.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4590% | 183 |
| Assets per employee ($millions) | 4.5832% | 4,036 |
| Cash dividends to net income (ytd only)* | 119.3966% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,413 |
| Loan loss allowance to noncurrent loans | 312.2881% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 2,792 |
| Noncurrent loans to loans | 0.4178% | 2,430 |
| Net loans and leases to total assets | 31.1900% | 4,616 |
| Net loans and leases to deposits | 33.4148% | 4,694 |
| Net loans and leases to core deposits | 34.1311% | 4,707 |
| Total domestic deposits to total assets | 93.3418% | 21 |
| Equity capital to assets | 6.3051% | 4,906 |
| Core capital (leverage) ratio | 6.4811% | 4,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1548% | 1,578 |
| Memoranda: | ||
| Average total assets | $167,320,667 | 3,364 |
| Average earning assets | $158,822,667 | 3,319 |
| Average equity | $11,536,333 | 4,045 |
| Average total loans | $58,855,333 | 3,915 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7418% | 4,438 |
| Cost of funding earning assets | 0.0862% | 4,721 |
| Net interest margin | 2.6556% | 4,049 |
| Noninterest income to average assets | 0.4063% | 3,054 |
| Noninterest expense to average assets | 2.8885% | 1,179 |
| Loan and lease loss provision to assets | 0.0446% | 2,177 |
| Net operating income to assets | -0.0226% | 4,778 |
| Return on assets (ROA) | 0.4979% | 4,219 |
| Pretax return on assets | 0.6515% | 4,108 |
| Return on Equity (ROE) | 6.8898% | 3,632 |
| Retained earnings to average equity (ytd only) | -2.6051% | 4,578 |
| Net charge-offs to loans | -0.0133% | 3,802 |
| Credit loss provision to net charge-offs | -900.0000% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7299% | 207 |
| Assets per employee ($millions) | 4.7409% | 3,896 |
| Cash dividends to net income (ytd only)* | 137.8109% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,922 |
| Loan loss allowance to noncurrent loans | 294.3320% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 2,879 |
| Noncurrent loans to loans | 0.4084% | 2,643 |
| Net loans and leases to total assets | 36.0098% | 4,501 |
| Net loans and leases to deposits | 38.7425% | 4,604 |
| Net loans and leases to core deposits | 39.6385% | 4,632 |
| Total domestic deposits to total assets | 92.9464% | 36 |
| Equity capital to assets | 6.7113% | 4,887 |
| Core capital (leverage) ratio | 7.0171% | 4,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1280% | 1,533 |
| Memoranda: | ||
| Average total assets | $161,466,000 | 3,419 |
| Average earning assets | $153,184,500 | 3,381 |
| Average equity | $11,669,500 | 4,039 |
| Average total loans | $60,040,500 | 3,917 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4104% | 4,177 |
| Cost of funding earning assets | 0.1328% | 4,781 |
| Net interest margin | 3.2777% | 3,132 |
| Noninterest income to average assets | 0.4375% | 2,924 |
| Noninterest expense to average assets | 3.0539% | 1,319 |
| Loan and lease loss provision to assets | 0.0139% | 4,200 |
| Net operating income to assets | 0.3404% | 4,375 |
| Return on assets (ROA) | 0.5283% | 4,057 |
| Pretax return on assets | 0.6704% | 3,945 |
| Return on Equity (ROE) | 6.5048% | 3,405 |
| Retained earnings to average equity (ytd only) | 2.5353% | 3,578 |
| Net charge-offs to loans | -0.0320% | 4,556 |
| Credit loss provision to net charge-offs | -100.0000% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2450% | 480 |
| Assets per employee ($millions) | 4.3612% | 4,062 |
| Cash dividends to net income (ytd only)* | 61.0236% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 3,022 |
| Loan loss allowance to noncurrent loans | 275.0973% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 2,939 |
| Noncurrent loans to loans | 0.4312% | 2,683 |
| Net loans and leases to total assets | 37.5129% | 4,547 |
| Net loans and leases to deposits | 42.3569% | 4,586 |
| Net loans and leases to core deposits | 43.6639% | 4,613 |
| Total domestic deposits to total assets | 88.5638% | 1,185 |
| Equity capital to assets | 7.7725% | 4,779 |
| Core capital (leverage) ratio | 7.1671% | 4,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6248% | 1,371 |
| Memoranda: | ||
| Average total assets | $144,241,200 | 3,466 |
| Average earning assets | $134,791,600 | 3,449 |
| Average equity | $11,714,400 | 4,000 |
| Average total loans | $62,534,000 | 3,876 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5257% | 4,158 |
| Cost of funding earning assets | 0.1402% | 4,825 |
| Net interest margin | 3.3855% | 2,962 |
| Noninterest income to average assets | 0.4452% | 2,867 |
| Noninterest expense to average assets | 3.0806% | 1,269 |
| Loan and lease loss provision to assets | 0.0078% | 4,197 |
| Net operating income to assets | 0.3903% | 4,281 |
| Return on assets (ROA) | 0.4433% | 4,245 |
| Pretax return on assets | 0.5747% | 4,149 |
| Return on Equity (ROE) | 5.3943% | 3,756 |
| Retained earnings to average equity (ytd only) | 0.0460% | 4,472 |
| Net charge-offs to loans | -0.0443% | 4,639 |
| Credit loss provision to net charge-offs | -38.0952% | 3,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6730% | 520 |
| Assets per employee ($millions) | 4.3814% | 3,974 |
| Cash dividends to net income (ytd only)* | 99.1471% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 3,029 |
| Loan loss allowance to noncurrent loans | 259.7015% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 3,033 |
| Noncurrent loans to loans | 0.4356% | 2,753 |
| Net loans and leases to total assets | 37.5265% | 4,626 |
| Net loans and leases to deposits | 43.7533% | 4,669 |
| Net loans and leases to core deposits | 45.0994% | 4,684 |
| Total domestic deposits to total assets | 85.7685% | 2,158 |
| Equity capital to assets | 7.5195% | 4,854 |
| Core capital (leverage) ratio | 7.0484% | 4,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7408% | 1,576 |
| Memoranda: | ||
| Average total assets | $141,051,000 | 3,485 |
| Average earning assets | $131,262,750 | 3,481 |
| Average equity | $11,592,250 | 4,022 |
| Average total loans | $63,266,750 | 3,878 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7923% | 3,874 |
| Cost of funding earning assets | 0.1317% | 4,923 |
| Net interest margin | 3.6607% | 2,292 |
| Noninterest income to average assets | 0.4656% | 2,735 |
| Noninterest expense to average assets | 3.1605% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5404% | 3,907 |
| Return on assets (ROA) | 0.5805% | 3,881 |
| Pretax return on assets | 0.7580% | 3,715 |
| Return on Equity (ROE) | 6.8288% | 3,197 |
| Retained earnings to average equity (ytd only) | -1.3342% | 4,521 |
| Net charge-offs to loans | -0.0188% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7130% | 775 |
| Assets per employee ($millions) | 4.0815% | 4,224 |
| Cash dividends to net income (ytd only)* | 119.5373% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,309 |
| Loan loss allowance to noncurrent loans | 242.0863% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 2,718 |
| Noncurrent loans to loans | 0.4348% | 2,863 |
| Net loans and leases to total assets | 40.7923% | 4,579 |
| Net loans and leases to deposits | 47.7855% | 4,600 |
| Net loans and leases to core deposits | 49.3175% | 4,634 |
| Total domestic deposits to total assets | 85.3654% | 2,249 |
| Equity capital to assets | 7.7035% | 4,832 |
| Core capital (leverage) ratio | 8.0153% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2181% | 1,723 |
| Memoranda: | ||
| Average total assets | $134,030,667 | 3,554 |
| Average earning assets | $124,567,667 | 3,539 |
| Average equity | $11,393,000 | 4,060 |
| Average total loans | $63,845,333 | 3,874 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 3,412 |
| Cost of funding earning assets | 0.1371% | 4,992 |
| Net interest margin | 4.0001% | 1,396 |
| Noninterest income to average assets | 0.4729% | 2,690 |
| Noninterest expense to average assets | 3.2098% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7195% | 3,207 |
| Return on assets (ROA) | 0.8065% | 2,976 |
| Pretax return on assets | 1.0591% | 2,642 |
| Return on Equity (ROE) | 8.9605% | 2,126 |
| Retained earnings to average equity (ytd only) | -7.7729% | 4,680 |
| Net charge-offs to loans | -0.0313% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1807% | 1,437 |
| Assets per employee ($millions) | 3.2096% | 4,685 |
| Cash dividends to net income (ytd only)* | 186.7470% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,560 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 2,486 |
| Noncurrent loans to loans | 0.4406% | 2,939 |
| Net loans and leases to total assets | 51.6793% | 4,137 |
| Net loans and leases to deposits | 56.8815% | 4,332 |
| Net loans and leases to core deposits | 59.0099% | 4,398 |
| Total domestic deposits to total assets | 90.8543% | 128 |
| Equity capital to assets | 8.7470% | 4,714 |
| Core capital (leverage) ratio | 8.8988% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1538% | 1,863 |
| Memoranda: | ||
| Average total assets | $123,497,000 | 3,656 |
| Average earning assets | $113,796,500 | 3,649 |
| Average equity | $11,115,500 | 4,109 |
| Average total loans | $63,797,500 | 3,887 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 2,874 |
| Cost of funding earning assets | 0.1221% | 5,082 |
| Net interest margin | 4.3987% | 895 |
| Noninterest income to average assets | 0.4535% | 2,990 |
| Noninterest expense to average assets | 3.3612% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8645% | 3,341 |
| Return on assets (ROA) | 0.9745% | 3,015 |
| Pretax return on assets | 1.2571% | 2,647 |
| Return on Equity (ROE) | 10.7032% | 2,000 |
| Retained earnings to average equity (ytd only) | 7.4986% | 1,171 |
| Net charge-offs to loans | -0.0162% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0419% | 1,484 |
| Assets per employee ($millions) | 3.0511% | 4,798 |
| Cash dividends to net income (ytd only)* | 29.9401% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,094 |
| Loan loss allowance to noncurrent loans | 223.8255% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 1,828 |
| Noncurrent loans to loans | 0.4788% | 2,751 |
| Net loans and leases to total assets | 50.4470% | 4,313 |
| Net loans and leases to deposits | 55.9588% | 4,458 |
| Net loans and leases to core deposits | 58.1122% | 4,518 |
| Total domestic deposits to total assets | 90.1502% | 273 |
| Equity capital to assets | 9.4532% | 4,387 |
| Core capital (leverage) ratio | 8.9999% | 4,532 |
| Tier 1 risk-based capital ratio | 15.2009% | 2,699 |
| Total risk-based capital ratio | 16.1588% | 2,756 |
| Memoranda: | ||
| Average total assets | $119,956,800 | 3,707 |
| Average earning assets | $109,782,000 | 3,714 |
| Average equity | $10,922,000 | 4,136 |
| Average total loans | $61,685,400 | 3,953 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 3,006 |
| Cost of funding earning assets | 0.1161% | 5,163 |
| Net interest margin | 4.4003% | 944 |
| Noninterest income to average assets | 0.4510% | 3,011 |
| Noninterest expense to average assets | 3.3468% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8187% | 3,608 |
| Return on assets (ROA) | 0.8707% | 3,533 |
| Pretax return on assets | 1.1889% | 3,013 |
| Return on Equity (ROE) | 9.6577% | 2,593 |
| Retained earnings to average equity (ytd only) | 5.3242% | 2,720 |
| Net charge-offs to loans | -0.0173% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8751% | 1,457 |
| Assets per employee ($millions) | 3.2706% | 4,692 |
| Cash dividends to net income (ytd only)* | 44.8724% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,210 |
| Loan loss allowance to noncurrent loans | 217.3203% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 2,788 |
| Noncurrent loans to loans | 0.4896% | 2,829 |
| Net loans and leases to total assets | 49.7566% | 4,440 |
| Net loans and leases to deposits | 55.2140% | 4,587 |
| Net loans and leases to core deposits | 57.2961% | 4,645 |
| Total domestic deposits to total assets | 90.1159% | 260 |
| Equity capital to assets | 9.2460% | 4,634 |
| Core capital (leverage) ratio | 8.8619% | 4,737 |
| Tier 1 risk-based capital ratio | 14.5373% | 3,058 |
| Total risk-based capital ratio | 15.4568% | 3,126 |
| Memoranda: | ||
| Average total assets | $119,435,250 | 3,753 |
| Average earning assets | $109,080,250 | 3,765 |
| Average equity | $10,768,250 | 4,188 |
| Average total loans | $61,548,250 | 3,995 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 2,798 |
| Cost of funding earning assets | 0.1143% | 5,209 |
| Net interest margin | 4.4469% | 857 |
| Noninterest income to average assets | 0.4295% | 3,074 |
| Noninterest expense to average assets | 3.4103% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7628% | 3,780 |
| Return on assets (ROA) | 0.8420% | 3,560 |
| Pretax return on assets | 1.1492% | 3,080 |
| Return on Equity (ROE) | 9.4231% | 2,672 |
| Retained earnings to average equity (ytd only) | 2.7737% | 3,822 |
| Net charge-offs to loans | -0.0163% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4751% | 1,337 |
| Assets per employee ($millions) | 3.5358% | 4,459 |
| Cash dividends to net income (ytd only)* | 70.5645% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 2,999 |
| Loan loss allowance to noncurrent loans | 206.8750% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 2,697 |
| Noncurrent loans to loans | 0.5384% | 2,657 |
| Net loans and leases to total assets | 48.8862% | 4,529 |
| Net loans and leases to deposits | 54.1400% | 4,677 |
| Net loans and leases to core deposits | 55.8572% | 4,715 |
| Total domestic deposits to total assets | 90.2958% | 245 |
| Equity capital to assets | 9.1959% | 4,657 |
| Core capital (leverage) ratio | 8.8616% | 4,746 |
| Tier 1 risk-based capital ratio | 14.3523% | 3,141 |
| Total risk-based capital ratio | 15.2803% | 3,217 |
| Memoranda: | ||
| Average total assets | $117,820,000 | 3,802 |
| Average earning assets | $106,770,670 | 3,827 |
| Average equity | $10,527,330 | 4,232 |
| Average total loans | $61,230,000 | 4,020 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 3,023 |
| Cost of funding earning assets | 0.1000% | 5,284 |
| Net interest margin | 4.3581% | 992 |
| Noninterest income to average assets | 0.3773% | 3,339 |
| Noninterest expense to average assets | 3.5156% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6620% | 4,055 |
| Return on assets (ROA) | 0.6620% | 4,092 |
| Pretax return on assets | 0.8986% | 3,772 |
| Return on Equity (ROE) | 7.5218% | 3,450 |
| Retained earnings to average equity (ytd only) | -6.1188% | 4,980 |
| Net charge-offs to loans | -0.0129% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6426% | 1,093 |
| Assets per employee ($millions) | 3.3811% | 4,675 |
| Cash dividends to net income (ytd only)* | 181.3472% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,356 |
| Loan loss allowance to noncurrent loans | 168.5422% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 2,536 |
| Noncurrent loans to loans | 0.6291% | 2,440 |
| Net loans and leases to total assets | 51.9600% | 4,339 |
| Net loans and leases to deposits | 57.1985% | 4,538 |
| Net loans and leases to core deposits | 58.8575% | 4,613 |
| Total domestic deposits to total assets | 90.8416% | 202 |
| Equity capital to assets | 8.7993% | 4,821 |
| Core capital (leverage) ratio | 8.8579% | 4,745 |
| Tier 1 risk-based capital ratio | 13.8142% | 3,443 |
| Total risk-based capital ratio | 14.7296% | 3,522 |
| Memoranda: | ||
| Average total assets | $116,622,000 | 3,855 |
| Average earning assets | $108,028,000 | 3,846 |
| Average equity | $10,263,500 | 4,287 |
| Average total loans | $62,129,500 | 4,044 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 2,743 |
| Cost of funding earning assets | 0.1153% | 5,258 |
| Net interest margin | 4.2903% | 1,184 |
| Noninterest income to average assets | 0.4802% | 2,944 |
| Noninterest expense to average assets | 3.3731% | 1,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7913% | 3,835 |
| Return on assets (ROA) | 0.7913% | 3,837 |
| Pretax return on assets | 1.0761% | 3,360 |
| Return on Equity (ROE) | 9.1066% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.8057% | 1,325 |
| Net charge-offs to loans | -0.0174% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8130% | 1,390 |
| Assets per employee ($millions) | 3.2830% | 4,754 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,337 |
| Loan loss allowance to noncurrent loans | 147.9730% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 1,949 |
| Noncurrent loans to loans | 0.7148% | 2,201 |
| Net loans and leases to total assets | 53.4824% | 4,317 |
| Net loans and leases to deposits | 58.7852% | 4,538 |
| Net loans and leases to core deposits | 60.1812% | 4,620 |
| Total domestic deposits to total assets | 90.9795% | 210 |
| Equity capital to assets | 8.8021% | 4,735 |
| Core capital (leverage) ratio | 8.8545% | 4,768 |
| Tier 1 risk-based capital ratio | 13.6900% | 3,444 |
| Total risk-based capital ratio | 14.5857% | 3,532 |
| Memoranda: | ||
| Average total assets | $110,580,200 | 3,935 |
| Average earning assets | $102,300,200 | 3,945 |
| Average equity | $9,608,400 | 4,372 |
| Average total loans | $63,268,400 | 4,017 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 2,829 |
| Cost of funding earning assets | 0.1030% | 5,347 |
| Net interest margin | 4.2318% | 1,283 |
| Noninterest income to average assets | 0.4797% | 2,983 |
| Noninterest expense to average assets | 3.3777% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7415% | 4,102 |
| Return on assets (ROA) | 0.7415% | 4,111 |
| Pretax return on assets | 1.0045% | 3,708 |
| Return on Equity (ROE) | 8.5634% | 3,305 |
| Retained earnings to average equity (ytd only) | 6.8057% | 2,230 |
| Net charge-offs to loans | -0.0147% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0770% | 1,216 |
| Assets per employee ($millions) | 3.4512% | 4,620 |
| Cash dividends to net income (ytd only)* | 20.5251% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,709 |
| Loan loss allowance to noncurrent loans | 184.4633% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 2,242 |
| Noncurrent loans to loans | 0.5464% | 2,743 |
| Net loans and leases to total assets | 56.3162% | 4,188 |
| Net loans and leases to deposits | 61.6166% | 4,461 |
| Net loans and leases to core deposits | 63.2394% | 4,561 |
| Total domestic deposits to total assets | 91.3978% | 150 |
| Equity capital to assets | 8.3836% | 4,990 |
| Core capital (leverage) ratio | 8.7774% | 4,898 |
| Tier 1 risk-based capital ratio | 13.0663% | 3,866 |
| Total risk-based capital ratio | 13.9403% | 3,984 |
| Memoranda: | ||
| Average total assets | $109,499,000 | 3,991 |
| Average earning assets | $100,978,750 | 3,998 |
| Average equity | $9,482,000 | 4,425 |
| Average total loans | $63,557,750 | 4,054 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 2,873 |
| Cost of funding earning assets | 0.1049% | 5,395 |
| Net interest margin | 4.1648% | 1,365 |
| Noninterest income to average assets | 0.4980% | 2,880 |
| Noninterest expense to average assets | 3.4322% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6590% | 4,325 |
| Return on assets (ROA) | 0.6590% | 4,327 |
| Pretax return on assets | 0.8867% | 4,000 |
| Return on Equity (ROE) | 7.5264% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.8837% | 3,131 |
| Net charge-offs to loans | -0.0190% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4685% | 1,074 |
| Assets per employee ($millions) | 3.5228% | 4,561 |
| Cash dividends to net income (ytd only)* | 35.1124% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,583 |
| Loan loss allowance to noncurrent loans | 212.3779% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 2,377 |
| Noncurrent loans to loans | 0.4904% | 2,961 |
| Net loans and leases to total assets | 54.9596% | 4,250 |
| Net loans and leases to deposits | 60.1842% | 4,521 |
| Net loans and leases to core deposits | 61.7830% | 4,610 |
| Total domestic deposits to total assets | 91.3191% | 186 |
| Equity capital to assets | 8.4290% | 4,996 |
| Core capital (leverage) ratio | 8.9345% | 4,743 |
| Tier 1 risk-based capital ratio | 13.1290% | 3,831 |
| Total risk-based capital ratio | 14.0284% | 3,926 |
| Memoranda: | ||
| Average total assets | $108,035,670 | 4,048 |
| Average earning assets | $99,116,330 | 4,066 |
| Average equity | $9,460,000 | 4,464 |
| Average total loans | $63,146,670 | 4,097 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,875 |
| Cost of funding earning assets | 0.1115% | 5,424 |
| Net interest margin | 4.0912% | 1,464 |
| Noninterest income to average assets | 0.4315% | 3,228 |
| Noninterest expense to average assets | 3.5198% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4958% | 4,708 |
| Return on assets (ROA) | 0.4958% | 4,717 |
| Pretax return on assets | 0.6623% | 4,539 |
| Return on Equity (ROE) | 5.5514% | 4,301 |
| Retained earnings to average equity (ytd only) | 0.2543% | 4,767 |
| Net charge-offs to loans | -0.0189% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1629% | 784 |
| Assets per employee ($millions) | 3.2759% | 4,924 |
| Cash dividends to net income (ytd only)* | 95.4198% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,784 |
| Loan loss allowance to noncurrent loans | 208.6817% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 2,364 |
| Noncurrent loans to loans | 0.4934% | 3,036 |
| Net loans and leases to total assets | 57.7028% | 3,967 |
| Net loans and leases to deposits | 63.3013% | 4,254 |
| Net loans and leases to core deposits | 65.7493% | 4,325 |
| Total domestic deposits to total assets | 91.1557% | 269 |
| Equity capital to assets | 8.6583% | 4,855 |
| Core capital (leverage) ratio | 9.1832% | 4,458 |
| Tier 1 risk-based capital ratio | 12.8809% | 4,017 |
| Total risk-based capital ratio | 13.7799% | 4,124 |
| Memoranda: | ||
| Average total assets | $105,688,500 | 4,128 |
| Average earning assets | $96,890,500 | 4,145 |
| Average equity | $9,439,000 | 4,513 |
| Average total loans | $63,416,000 | 4,117 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 2,750 |
| Cost of funding earning assets | 0.1105% | 5,455 |
| Net interest margin | 4.0726% | 1,524 |
| Noninterest income to average assets | 0.5219% | 2,869 |
| Noninterest expense to average assets | 3.4578% | 1,111 |
| Loan and lease loss provision to assets | 0.0256% | 3,787 |
| Net operating income to assets | 0.4210% | 4,621 |
| Return on assets (ROA) | 0.4217% | 4,645 |
| Pretax return on assets | 0.7342% | 4,431 |
| Return on Equity (ROE) | 4.4821% | 4,357 |
| Retained earnings to average equity (ytd only) | 0.8254% | 4,700 |
| Net charge-offs to loans | -0.0177% | 4,927 |
| Credit loss provision to net charge-offs | -236.3636% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0047% | 927 |
| Assets per employee ($millions) | 3.1295% | 5,098 |
| Cash dividends to net income (ytd only)* | 81.5851% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 3,863 |
| Loan loss allowance to noncurrent loans | 203.7855% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 2,217 |
| Noncurrent loans to loans | 0.4968% | 3,035 |
| Net loans and leases to total assets | 61.1564% | 3,715 |
| Net loans and leases to deposits | 67.5378% | 4,057 |
| Net loans and leases to core deposits | 70.2904% | 4,155 |
| Total domestic deposits to total assets | 90.5513% | 378 |
| Equity capital to assets | 9.2163% | 4,513 |
| Core capital (leverage) ratio | 9.0939% | 4,530 |
| Tier 1 risk-based capital ratio | 12.9064% | 3,968 |
| Total risk-based capital ratio | 13.8038% | 4,074 |
| Memoranda: | ||
| Average total assets | $101,741,800 | 4,206 |
| Average earning assets | $92,299,000 | 4,234 |
| Average equity | $9,571,400 | 4,513 |
| Average total loans | $62,170,400 | 4,148 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 2,930 |
| Cost of funding earning assets | 0.1076% | 5,531 |
| Net interest margin | 4.0089% | 1,669 |
| Noninterest income to average assets | 0.5814% | 2,575 |
| Noninterest expense to average assets | 3.4938% | 1,007 |
| Loan and lease loss provision to assets | 0.0276% | 3,578 |
| Net operating income to assets | 0.4635% | 4,840 |
| Return on assets (ROA) | 0.4643% | 4,869 |
| Pretax return on assets | 0.6893% | 4,636 |
| Return on Equity (ROE) | 4.9104% | 4,560 |
| Retained earnings to average equity (ytd only) | 0.0417% | 5,198 |
| Net charge-offs to loans | -0.0173% | 4,804 |
| Credit loss provision to net charge-offs | -262.5000% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0000% | 840 |
| Assets per employee ($millions) | 3.3942% | 4,870 |
| Cash dividends to net income (ytd only)* | 99.1522% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,959 |
| Loan loss allowance to noncurrent loans | 215.5405% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 2,017 |
| Noncurrent loans to loans | 0.4729% | 3,269 |
| Net loans and leases to total assets | 57.0374% | 4,152 |
| Net loans and leases to deposits | 62.7037% | 4,459 |
| Net loans and leases to core deposits | 65.1132% | 4,543 |
| Total domestic deposits to total assets | 90.9633% | 195 |
| Equity capital to assets | 8.8010% | 5,080 |
| Core capital (leverage) ratio | 9.2905% | 4,419 |
| Tier 1 risk-based capital ratio | 13.1061% | 3,938 |
| Total risk-based capital ratio | 14.0135% | 4,061 |
| Memoranda: | ||
| Average total assets | $101,359,000 | 4,257 |
| Average earning assets | $91,727,500 | 4,291 |
| Average equity | $9,584,750 | 4,558 |
| Average total loans | $61,762,000 | 4,200 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1766% | 2,557 |
| Cost of funding earning assets | 0.1055% | 5,584 |
| Net interest margin | 4.0710% | 1,404 |
| Noninterest income to average assets | 0.5903% | 2,511 |
| Noninterest expense to average assets | 3.5738% | 902 |
| Loan and lease loss provision to assets | 0.0424% | 3,149 |
| Net operating income to assets | 0.4285% | 4,903 |
| Return on assets (ROA) | 0.4285% | 4,930 |
| Pretax return on assets | 0.6388% | 4,726 |
| Return on Equity (ROE) | 4.4197% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.4197% | 3,081 |
| Net charge-offs to loans | -0.0163% | 4,696 |
| Credit loss provision to net charge-offs | -420.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9905% | 848 |
| Assets per employee ($millions) | 3.2110% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 4,055 |
| Loan loss allowance to noncurrent loans | 210.2649% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 1,877 |
| Noncurrent loans to loans | 0.4828% | 3,302 |
| Net loans and leases to total assets | 62.2025% | 3,610 |
| Net loans and leases to deposits | 69.2119% | 3,966 |
| Net loans and leases to core deposits | 72.1559% | 4,084 |
| Total domestic deposits to total assets | 89.8725% | 579 |
| Equity capital to assets | 9.8512% | 4,088 |
| Core capital (leverage) ratio | 9.6176% | 4,002 |
| Tier 1 risk-based capital ratio | 13.2469% | 3,843 |
| Total risk-based capital ratio | 14.1404% | 3,981 |
| Memoranda: | ||
| Average total assets | $98,941,000 | 4,327 |
| Average earning assets | $89,068,330 | 4,376 |
| Average equity | $9,593,330 | 4,576 |
| Average total loans | $61,486,670 | 4,224 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 2,859 |
| Cost of funding earning assets | 0.1070% | 5,627 |
| Net interest margin | 3.9413% | 1,640 |
| Noninterest income to average assets | 0.5353% | 2,735 |
| Noninterest expense to average assets | 3.6212% | 871 |
| Loan and lease loss provision to assets | 0.0852% | 2,117 |
| Net operating income to assets | 0.2920% | 5,219 |
| Return on assets (ROA) | 0.2920% | 5,232 |
| Pretax return on assets | 0.4136% | 5,141 |
| Return on Equity (ROE) | 3.0357% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.0357% | 3,896 |
| Net charge-offs to loans | -0.0197% | 4,739 |
| Credit loss provision to net charge-offs | -700.0000% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8937% | 666 |
| Assets per employee ($millions) | 3.1402% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 4,233 |
| Loan loss allowance to noncurrent loans | 128.3976% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 1,973 |
| Noncurrent loans to loans | 0.7849% | 2,494 |
| Net loans and leases to total assets | 61.8739% | 3,555 |
| Net loans and leases to deposits | 68.5249% | 3,937 |
| Net loans and leases to core deposits | 71.3922% | 4,040 |
| Total domestic deposits to total assets | 90.2941% | 542 |
| Equity capital to assets | 9.5208% | 4,271 |
| Core capital (leverage) ratio | 9.7120% | 3,860 |
| Tier 1 risk-based capital ratio | 13.1701% | 3,977 |
| Total risk-based capital ratio | 14.0685% | 4,086 |
| Memoranda: | ||
| Average total assets | $98,641,000 | 4,378 |
| Average earning assets | $89,716,500 | 4,407 |
| Average equity | $9,487,000 | 4,626 |
| Average total loans | $60,954,000 | 4,274 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 2,639 |
| Cost of funding earning assets | 0.1280% | 5,565 |
| Net interest margin | 4.0282% | 1,562 |
| Noninterest income to average assets | 0.5031% | 3,219 |
| Noninterest expense to average assets | 3.6351% | 966 |
| Loan and lease loss provision to assets | 0.1049% | 2,295 |
| Net operating income to assets | 0.3143% | 5,187 |
| Return on assets (ROA) | 0.3222% | 5,236 |
| Pretax return on assets | 0.4795% | 5,067 |
| Return on Equity (ROE) | 3.1916% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.1916% | 3,639 |
| Net charge-offs to loans | 0.2725% | 1,014 |
| Credit loss provision to net charge-offs | 59.0361% | 3,263 |
| Earnings coverage of net charge-offs (x) | 3.2229% | 3,708 |
| Efficiency ratio | 86.3902% | 790 |
| Assets per employee ($millions) | 3.0249% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 4,139 |
| Loan loss allowance to noncurrent loans | 133.5526% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 1,802 |
| Noncurrent loans to loans | 0.7716% | 2,597 |
| Net loans and leases to total assets | 60.4275% | 3,802 |
| Net loans and leases to deposits | 67.0934% | 4,162 |
| Net loans and leases to core deposits | 69.4317% | 4,292 |
| Total domestic deposits to total assets | 90.0648% | 608 |
| Equity capital to assets | 9.7183% | 4,045 |
| Core capital (leverage) ratio | 9.7576% | 3,799 |
| Tier 1 risk-based capital ratio | 13.4729% | 3,786 |
| Total risk-based capital ratio | 14.3712% | 3,911 |
| Memoranda: | ||
| Average total assets | $93,422,200 | 4,484 |
| Average earning assets | $85,920,200 | 4,472 |
| Average equity | $9,431,000 | 4,669 |
| Average total loans | $60,921,600 | 4,266 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,576 |
| Cost of funding earning assets | 0.1341% | 5,589 |
| Net interest margin | 4.0455% | 1,539 |
| Noninterest income to average assets | 0.5012% | 3,239 |
| Noninterest expense to average assets | 3.7632% | 781 |
| Loan and lease loss provision to assets | 0.1411% | 1,660 |
| Net operating income to assets | 0.2304% | 5,417 |
| Return on assets (ROA) | 0.2304% | 5,486 |
| Pretax return on assets | 0.3327% | 5,406 |
| Return on Equity (ROE) | 2.2606% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.2606% | 4,565 |
| Net charge-offs to loans | 0.3671% | 609 |
| Credit loss provision to net charge-offs | 57.9882% | 2,933 |
| Earnings coverage of net charge-offs (x) | 1.9467% | 3,641 |
| Efficiency ratio | 88.8171% | 625 |
| Assets per employee ($millions) | 3.2302% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 4,411 |
| Loan loss allowance to noncurrent loans | 130.8855% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 1,951 |
| Noncurrent loans to loans | 0.7638% | 2,763 |
| Net loans and leases to total assets | 61.9301% | 3,643 |
| Net loans and leases to deposits | 68.9523% | 4,068 |
| Net loans and leases to core deposits | 71.5696% | 4,190 |
| Total domestic deposits to total assets | 89.8159% | 551 |
| Equity capital to assets | 9.8446% | 4,306 |
| Core capital (leverage) ratio | 9.9377% | 3,652 |
| Tier 1 risk-based capital ratio | 13.8453% | 3,640 |
| Total risk-based capital ratio | 14.7718% | 3,755 |
| Memoranda: | ||
| Average total assets | $92,578,500 | 4,534 |
| Average earning assets | $85,491,500 | 4,521 |
| Average equity | $9,437,000 | 4,715 |
| Average total loans | $61,376,750 | 4,277 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 2,548 |
| Cost of funding earning assets | 0.1363% | 5,637 |
| Net interest margin | 4.0520% | 1,500 |
| Noninterest income to average assets | 0.4916% | 3,255 |
| Noninterest expense to average assets | 3.7877% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3270% | 5,245 |
| Return on assets (ROA) | 0.3270% | 5,330 |
| Pretax return on assets | 0.4872% | 5,160 |
| Return on Equity (ROE) | 3.1693% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.1693% | 3,883 |
| Net charge-offs to loans | -0.0195% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6037% | 679 |
| Assets per employee ($millions) | 2.9933% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,798 |
| Loan loss allowance to noncurrent loans | 140.2464% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.0173% | 2,106 |
| Noncurrent loans to loans | 0.8040% | 2,741 |
| Net loans and leases to total assets | 64.5386% | 3,288 |
| Net loans and leases to deposits | 72.1570% | 3,770 |
| Net loans and leases to core deposits | 74.7482% | 3,927 |
| Total domestic deposits to total assets | 89.4419% | 711 |
| Equity capital to assets | 10.2467% | 3,917 |
| Core capital (leverage) ratio | 9.8939% | 3,691 |
| Tier 1 risk-based capital ratio | 13.6458% | 3,803 |
| Total risk-based capital ratio | 14.6742% | 3,859 |
| Memoranda: | ||
| Average total assets | $91,136,000 | 4,600 |
| Average earning assets | $85,094,330 | 4,563 |
| Average equity | $9,402,670 | 4,753 |
| Average total loans | $61,629,000 | 4,294 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,202 |
| Cost of funding earning assets | 0.1426% | 5,660 |
| Net interest margin | 4.1367% | 1,245 |
| Noninterest income to average assets | 0.4872% | 3,214 |
| Noninterest expense to average assets | 3.4637% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5669% | 4,340 |
| Return on assets (ROA) | 0.5669% | 4,442 |
| Pretax return on assets | 0.8770% | 3,949 |
| Return on Equity (ROE) | 5.4759% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.4759% | 2,672 |
| Net charge-offs to loans | -0.0193% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7959% | 1,633 |
| Assets per employee ($millions) | 3.0525% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 4,050 |
| Loan loss allowance to noncurrent loans | 338.3085% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 2,916 |
| Noncurrent loans to loans | 0.3250% | 4,269 |
| Net loans and leases to total assets | 66.7846% | 2,845 |
| Net loans and leases to deposits | 74.6111% | 3,357 |
| Net loans and leases to core deposits | 77.3173% | 3,567 |
| Total domestic deposits to total assets | 89.5102% | 830 |
| Equity capital to assets | 10.3150% | 3,728 |
| Core capital (leverage) ratio | 10.3390% | 3,144 |
| Tier 1 risk-based capital ratio | 13.1647% | 4,159 |
| Total risk-based capital ratio | 14.1592% | 4,234 |
| Memoranda: | ||
| Average total assets | $90,308,500 | 4,653 |
| Average earning assets | $84,125,000 | 4,615 |
| Average equity | $9,350,000 | 4,790 |
| Average total loans | $62,159,000 | 4,308 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 2,699 |
| Cost of funding earning assets | 0.1707% | 5,530 |
| Net interest margin | 3.9926% | 1,737 |
| Noninterest income to average assets | 0.4912% | 3,383 |
| Noninterest expense to average assets | 3.5978% | 1,131 |
| Loan and lease loss provision to assets | 0.0664% | 2,958 |
| Net operating income to assets | 0.3740% | 5,126 |
| Return on assets (ROA) | 0.4071% | 5,112 |
| Pretax return on assets | 0.6029% | 4,830 |
| Return on Equity (ROE) | 4.0630% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.0630% | 3,119 |
| Net charge-offs to loans | 0.0763% | 2,734 |
| Credit loss provision to net charge-offs | 130.4348% | 2,004 |
| Earnings coverage of net charge-offs (x) | 12.1957% | 2,490 |
| Efficiency ratio | 85.2872% | 1,063 |
| Assets per employee ($millions) | 2.9681% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 4,125 |
| Loan loss allowance to noncurrent loans | 165.5257% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9726% | 2,251 |
| Noncurrent loans to loans | 0.6546% | 3,230 |
| Net loans and leases to total assets | 69.4088% | 2,467 |
| Net loans and leases to deposits | 77.7279% | 3,083 |
| Net loans and leases to core deposits | 80.8146% | 3,261 |
| Total domestic deposits to total assets | 89.2972% | 969 |
| Equity capital to assets | 10.3928% | 3,498 |
| Core capital (leverage) ratio | 10.3140% | 3,144 |
| Tier 1 risk-based capital ratio | 12.9407% | 4,365 |
| Total risk-based capital ratio | 13.9229% | 4,429 |
| Memoranda: | ||
| Average total assets | $90,389,600 | 4,662 |
| Average earning assets | $84,381,200 | 4,624 |
| Average equity | $9,057,400 | 4,835 |
| Average total loans | $60,259,000 | 4,374 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 2,867 |
| Cost of funding earning assets | 0.1837% | 5,517 |
| Net interest margin | 3.9340% | 1,920 |
| Noninterest income to average assets | 0.4908% | 3,432 |
| Noninterest expense to average assets | 3.6196% | 1,084 |
| Loan and lease loss provision to assets | 0.0882% | 2,396 |
| Net operating income to assets | 0.3198% | 5,398 |
| Return on assets (ROA) | 0.3645% | 5,362 |
| Pretax return on assets | 0.5291% | 5,152 |
| Return on Equity (ROE) | 3.6706% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.6706% | 3,852 |
| Net charge-offs to loans | 0.1094% | 2,029 |
| Credit loss provision to net charge-offs | 122.4490% | 1,951 |
| Earnings coverage of net charge-offs (x) | 7.6737% | 2,888 |
| Efficiency ratio | 86.7559% | 954 |
| Assets per employee ($millions) | 2.9495% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 4,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 3,764 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 69.7116% | 2,436 |
| Net loans and leases to deposits | 78.0250% | 3,096 |
| Net loans and leases to core deposits | 81.1399% | 3,333 |
| Total domestic deposits to total assets | 89.3452% | 843 |
| Equity capital to assets | 10.3259% | 3,782 |
| Core capital (leverage) ratio | 10.0970% | 3,505 |
| Tier 1 risk-based capital ratio | 12.7325% | 4,591 |
| Total risk-based capital ratio | 13.7067% | 4,691 |
| Memoranda: | ||
| Average total assets | $90,726,500 | 4,705 |
| Average earning assets | $84,898,750 | 4,663 |
| Average equity | $9,008,250 | 4,902 |
| Average total loans | $59,703,750 | 4,430 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 3,074 |
| Cost of funding earning assets | 0.2058% | 5,391 |
| Net interest margin | 3.8442% | 2,158 |
| Noninterest income to average assets | 0.5094% | 3,314 |
| Noninterest expense to average assets | 3.5879% | 1,153 |
| Loan and lease loss provision to assets | 0.1312% | 1,679 |
| Net operating income to assets | 0.2755% | 5,516 |
| Return on assets (ROA) | 0.2755% | 5,599 |
| Pretax return on assets | 0.3848% | 5,502 |
| Return on Equity (ROE) | 2.8108% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.8108% | 4,257 |
| Net charge-offs to loans | 0.1734% | 1,424 |
| Credit loss provision to net charge-offs | 117.6471% | 1,831 |
| Earnings coverage of net charge-offs (x) | 4.6275% | 3,019 |
| Efficiency ratio | 87.4267% | 945 |
| Assets per employee ($millions) | 3.0085% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 4,043 |
| Loan loss allowance to noncurrent loans | 665.3465% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 3,518 |
| Noncurrent loans to loans | 0.1739% | 5,076 |
| Net loans and leases to total assets | 63.6020% | 3,325 |
| Net loans and leases to deposits | 70.8796% | 3,835 |
| Net loans and leases to core deposits | 73.6374% | 3,983 |
| Total domestic deposits to total assets | 89.7324% | 774 |
| Equity capital to assets | 9.9496% | 4,093 |
| Core capital (leverage) ratio | 9.7572% | 3,929 |
| Tier 1 risk-based capital ratio | 12.9406% | 4,549 |
| Total risk-based capital ratio | 13.9412% | 4,614 |
| Memoranda: | ||
| Average total assets | $91,473,330 | 4,739 |
| Average earning assets | $85,531,670 | 4,690 |
| Average equity | $8,965,330 | 4,949 |
| Average total loans | $58,818,670 | 4,493 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,301 |
| Cost of funding earning assets | 0.2371% | 5,152 |
| Net interest margin | 3.7422% | 2,457 |
| Noninterest income to average assets | 0.4952% | 3,316 |
| Noninterest expense to average assets | 3.4056% | 1,479 |
| Loan and lease loss provision to assets | 0.2606% | 617 |
| Net operating income to assets | 0.2302% | 5,611 |
| Return on assets (ROA) | 0.2302% | 5,699 |
| Pretax return on assets | 0.3258% | 5,588 |
| Return on Equity (ROE) | 2.3666% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.3666% | 4,505 |
| Net charge-offs to loans | 0.3784% | 650 |
| Credit loss provision to net charge-offs | 107.1429% | 1,538 |
| Earnings coverage of net charge-offs (x) | 2.4107% | 2,765 |
| Efficiency ratio | 85.3101% | 1,244 |
| Assets per employee ($millions) | 3.3838% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 4,377 |
| Loan loss allowance to noncurrent loans | 1,111.6667% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 3,585 |
| Noncurrent loans to loans | 0.1016% | 5,392 |
| Net loans and leases to total assets | 63.8931% | 3,104 |
| Net loans and leases to deposits | 71.0604% | 3,634 |
| Net loans and leases to core deposits | 73.7837% | 3,800 |
| Total domestic deposits to total assets | 89.9137% | 783 |
| Equity capital to assets | 9.8531% | 4,322 |
| Core capital (leverage) ratio | 9.7734% | 3,926 |
| Tier 1 risk-based capital ratio | 12.9126% | 4,654 |
| Total risk-based capital ratio | 13.9120% | 4,722 |
| Memoranda: | ||
| Average total assets | $92,082,500 | 4,767 |
| Average earning assets | $86,045,500 | 4,718 |
| Average equity | $8,958,000 | 5,002 |
| Average total loans | $59,190,000 | 4,514 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 3,234 |
| Cost of funding earning assets | 0.2704% | 5,097 |
| Net interest margin | 3.8523% | 2,421 |
| Noninterest income to average assets | 0.3085% | 4,909 |
| Noninterest expense to average assets | 3.6354% | 1,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1565% | 5,859 |
| Return on assets (ROA) | 0.1565% | 5,909 |
| Pretax return on assets | 0.2061% | 5,862 |
| Return on Equity (ROE) | 1.6065% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.6065% | 5,019 |
| Net charge-offs to loans | 0.3712% | 1,170 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.8500% | 4,551 |
| Efficiency ratio | 94.6357% | 565 |
| Assets per employee ($millions) | 3.2001% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 4,461 |
| Loan loss allowance to noncurrent loans | 517.9688% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 3,266 |
| Noncurrent loans to loans | 0.2157% | 5,045 |
| Net loans and leases to total assets | 63.2264% | 3,333 |
| Net loans and leases to deposits | 70.1790% | 3,887 |
| Net loans and leases to core deposits | 72.8189% | 4,044 |
| Total domestic deposits to total assets | 90.0930% | 695 |
| Equity capital to assets | 9.6053% | 4,585 |
| Core capital (leverage) ratio | 9.0805% | 4,855 |
| Tier 1 risk-based capital ratio | 12.3331% | 5,134 |
| Total risk-based capital ratio | 13.3046% | 5,230 |
| Memoranda: | ||
| Average total assets | $90,747,400 | 4,822 |
| Average earning assets | $83,222,600 | 4,815 |
| Average equity | $8,839,000 | 5,014 |
| Average total loans | $59,271,200 | 4,510 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 3,216 |
| Cost of funding earning assets | 0.2621% | 5,283 |
| Net interest margin | 3.8762% | 2,333 |
| Noninterest income to average assets | 0.3118% | 4,949 |
| Noninterest expense to average assets | 3.6793% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1419% | 5,960 |
| Return on assets (ROA) | 0.1419% | 5,992 |
| Pretax return on assets | 0.1729% | 5,979 |
| Return on Equity (ROE) | 1.4512% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.4512% | 5,320 |
| Net charge-offs to loans | 0.4995% | 775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.5270% | 4,363 |
| Efficiency ratio | 95.5121% | 522 |
| Assets per employee ($millions) | 3.2896% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 4,623 |
| Loan loss allowance to noncurrent loans | 489.6296% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.9266% | 3,122 |
| Noncurrent loans to loans | 0.2304% | 5,204 |
| Net loans and leases to total assets | 60.7340% | 3,669 |
| Net loans and leases to deposits | 67.1967% | 4,221 |
| Net loans and leases to core deposits | 69.8548% | 4,335 |
| Total domestic deposits to total assets | 90.3824% | 578 |
| Equity capital to assets | 9.3031% | 5,030 |
| Core capital (leverage) ratio | 9.1910% | 4,802 |
| Tier 1 risk-based capital ratio | 12.2078% | 5,360 |
| Total risk-based capital ratio | 13.1745% | 5,457 |
| Memoranda: | ||
| Average total assets | $90,233,500 | 4,883 |
| Average earning assets | $82,415,500 | 4,891 |
| Average equity | $8,820,250 | 5,057 |
| Average total loans | $59,254,250 | 4,550 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 3,061 |
| Cost of funding earning assets | 0.2324% | 5,646 |
| Net interest margin | 3.9408% | 2,013 |
| Noninterest income to average assets | 0.3570% | 4,562 |
| Noninterest expense to average assets | 3.8142% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1491% | 5,954 |
| Return on assets (ROA) | 0.1491% | 5,988 |
| Pretax return on assets | 0.1830% | 5,966 |
| Return on Equity (ROE) | 1.4997% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.4997% | 5,143 |
| Net charge-offs to loans | 0.8676% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.3140% | 4,071 |
| Efficiency ratio | 95.4211% | 588 |
| Assets per employee ($millions) | 3.1075% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 5,006 |
| Loan loss allowance to noncurrent loans | 385.8025% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 2,981 |
| Noncurrent loans to loans | 0.2787% | 5,182 |
| Net loans and leases to total assets | 63.8141% | 3,097 |
| Net loans and leases to deposits | 70.9984% | 3,702 |
| Net loans and leases to core deposits | 73.7556% | 3,863 |
| Total domestic deposits to total assets | 89.8810% | 866 |
| Equity capital to assets | 9.8038% | 4,351 |
| Core capital (leverage) ratio | 9.6506% | 4,111 |
| Tier 1 risk-based capital ratio | 12.5896% | 5,165 |
| Total risk-based capital ratio | 13.5225% | 5,294 |
| Memoranda: | ||
| Average total assets | $88,512,000 | 4,961 |
| Average earning assets | $81,759,670 | 4,941 |
| Average equity | $8,802,000 | 5,082 |
| Average total loans | $59,472,330 | 4,563 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,965 |
| Cost of funding earning assets | 0.2482% | 5,595 |
| Net interest margin | 3.9263% | 1,991 |
| Noninterest income to average assets | 0.4287% | 3,958 |
| Noninterest expense to average assets | 3.6986% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2417% | 5,688 |
| Return on assets (ROA) | 0.2417% | 5,734 |
| Pretax return on assets | 0.3375% | 5,627 |
| Return on Equity (ROE) | 2.4131% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.4131% | 4,624 |
| Net charge-offs to loans | -0.0266% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6384% | 902 |
| Assets per employee ($millions) | 2.9456% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 3,292 |
| Loan loss allowance to noncurrent loans | 114.7477% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.7281% | 2,043 |
| Noncurrent loans to loans | 1.2798% | 2,889 |
| Net loans and leases to total assets | 65.1769% | 2,698 |
| Net loans and leases to deposits | 72.3886% | 3,285 |
| Net loans and leases to core deposits | 76.1149% | 3,398 |
| Total domestic deposits to total assets | 90.0376% | 1,057 |
| Equity capital to assets | 9.6503% | 4,293 |
| Core capital (leverage) ratio | 9.9784% | 3,599 |
| Tier 1 risk-based capital ratio | 12.2595% | 5,468 |
| Total risk-based capital ratio | 13.5105% | 5,402 |
| Memoranda: | ||
| Average total assets | $87,709,000 | 5,026 |
| Average earning assets | $80,585,000 | 5,007 |
| Average equity | $8,785,500 | 5,110 |
| Average total loans | $60,142,000 | 4,583 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 1,996 |
| Cost of funding earning assets | 0.4123% | 4,515 |
| Net interest margin | 4.1489% | 1,504 |
| Noninterest income to average assets | 0.2923% | 5,258 |
| Noninterest expense to average assets | 3.8048% | 1,129 |
| Loan and lease loss provision to assets | -0.1883% | 6,585 |
| Net operating income to assets | 0.3075% | 5,498 |
| Return on assets (ROA) | 0.3075% | 5,592 |
| Pretax return on assets | 0.4525% | 5,353 |
| Return on Equity (ROE) | 3.0339% | 5,493 |
| Retained earnings to average equity (ytd only) | 3.0339% | 4,071 |
| Net charge-offs to loans | 0.1298% | 3,516 |
| Credit loss provision to net charge-offs | -201.2500% | 5,990 |
| Earnings coverage of net charge-offs (x) | 2.8250% | 4,062 |
| Efficiency ratio | 93.5057% | 773 |
| Assets per employee ($millions) | 2.7131% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 3,311 |
| Loan loss allowance to noncurrent loans | 293.3555% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 1.3150% | 2,791 |
| Noncurrent loans to loans | 0.5027% | 4,739 |
| Net loans and leases to total assets | 70.1492% | 1,987 |
| Net loans and leases to deposits | 78.5522% | 2,654 |
| Net loans and leases to core deposits | 82.1324% | 2,882 |
| Total domestic deposits to total assets | 89.3027% | 1,428 |
| Equity capital to assets | 10.4144% | 3,272 |
| Core capital (leverage) ratio | 10.2814% | 3,176 |
| Tier 1 risk-based capital ratio | 12.6954% | 5,177 |
| Total risk-based capital ratio | 13.9457% | 5,123 |
| Memoranda: | ||
| Average total assets | $85,524,000 | 5,099 |
| Average earning assets | $77,851,800 | 5,095 |
| Average equity | $8,668,600 | 5,170 |
| Average total loans | $61,644,800 | 4,559 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 1,888 |
| Cost of funding earning assets | 0.4387% | 4,402 |
| Net interest margin | 4.1658% | 1,438 |
| Noninterest income to average assets | 0.3385% | 4,987 |
| Noninterest expense to average assets | 3.8518% | 1,024 |
| Loan and lease loss provision to assets | -0.2500% | 6,752 |
| Net operating income to assets | 0.3447% | 5,453 |
| Return on assets (ROA) | 0.3447% | 5,579 |
| Pretax return on assets | 0.5108% | 5,326 |
| Return on Equity (ROE) | 3.4234% | 5,467 |
| Retained earnings to average equity (ytd only) | 3.4234% | 4,247 |
| Net charge-offs to loans | 0.0172% | 4,782 |
| Credit loss provision to net charge-offs | -2,012.5000% | 6,278 |
| Earnings coverage of net charge-offs (x) | 20.9925% | 1,566 |
| Efficiency ratio | 93.6580% | 757 |
| Assets per employee ($millions) | 2.8093% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 3,178 |
| Loan loss allowance to noncurrent loans | 312.0915% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 1.3504% | 2,938 |
| Noncurrent loans to loans | 0.5003% | 4,945 |
| Net loans and leases to total assets | 69.1358% | 2,112 |
| Net loans and leases to deposits | 77.2118% | 2,795 |
| Net loans and leases to core deposits | 80.6745% | 3,051 |
| Total domestic deposits to total assets | 89.5405% | 1,271 |
| Equity capital to assets | 10.0243% | 3,870 |
| Core capital (leverage) ratio | 10.0233% | 3,649 |
| Tier 1 risk-based capital ratio | 12.4499% | 5,481 |
| Total risk-based capital ratio | 13.7019% | 5,422 |
| Memoranda: | ||
| Average total assets | $85,878,750 | 5,128 |
| Average earning assets | $77,806,500 | 5,140 |
| Average equity | $8,646,000 | 5,227 |
| Average total loans | $62,085,500 | 4,578 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 1,583 |
| Cost of funding earning assets | 0.4497% | 4,431 |
| Net interest margin | 4.2453% | 1,153 |
| Noninterest income to average assets | 0.2855% | 5,409 |
| Noninterest expense to average assets | 3.7648% | 1,149 |
| Loan and lease loss provision to assets | -0.3767% | 6,854 |
| Net operating income to assets | 0.4726% | 4,915 |
| Return on assets (ROA) | 0.4726% | 5,093 |
| Pretax return on assets | 0.7183% | 4,622 |
| Return on Equity (ROE) | 4.6879% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.6879% | 3,269 |
| Net charge-offs to loans | 0.0801% | 3,574 |
| Credit loss provision to net charge-offs | -644.0000% | 5,957 |
| Earnings coverage of net charge-offs (x) | 5.8400% | 2,820 |
| Efficiency ratio | 91.6809% | 913 |
| Assets per employee ($millions) | 2.7765% | 6,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 3,433 |
| Loan loss allowance to noncurrent loans | 301.6077% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9147% | 2,265 |
| Noncurrent loans to loans | 0.5081% | 4,997 |
| Net loans and leases to total assets | 70.0231% | 1,874 |
| Net loans and leases to deposits | 79.7510% | 2,355 |
| Net loans and leases to core deposits | 83.1404% | 2,680 |
| Total domestic deposits to total assets | 87.8022% | 2,380 |
| Equity capital to assets | 10.1147% | 3,772 |
| Core capital (leverage) ratio | 10.0995% | 3,374 |
| Tier 1 risk-based capital ratio | 12.2840% | 5,631 |
| Total risk-based capital ratio | 13.5362% | 5,579 |
| Memoranda: | ||
| Average total assets | $85,475,670 | 5,172 |
| Average earning assets | $76,933,000 | 5,199 |
| Average equity | $8,618,000 | 5,271 |
| Average total loans | $62,392,670 | 4,588 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 1,351 |
| Cost of funding earning assets | 0.4613% | 4,469 |
| Net interest margin | 4.3086% | 954 |
| Noninterest income to average assets | 0.4555% | 4,085 |
| Noninterest expense to average assets | 3.8179% | 1,087 |
| Loan and lease loss provision to assets | 0.0939% | 3,100 |
| Net operating income to assets | 0.2818% | 5,623 |
| Return on assets (ROA) | 0.2818% | 5,745 |
| Pretax return on assets | 0.4039% | 5,550 |
| Return on Equity (ROE) | 2.7992% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.7992% | 4,606 |
| Net charge-offs to loans | -0.0064% | 5,318 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4657% | 1,277 |
| Assets per employee ($millions) | 2.9456% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,574 |
| Loan loss allowance to noncurrent loans | 172.6998% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 2.0867% | 2,250 |
| Noncurrent loans to loans | 1.0501% | 4,041 |
| Net loans and leases to total assets | 70.1498% | 1,634 |
| Net loans and leases to deposits | 81.0390% | 1,948 |
| Net loans and leases to core deposits | 85.2952% | 2,182 |
| Total domestic deposits to total assets | 86.5630% | 3,204 |
| Equity capital to assets | 9.7332% | 4,516 |
| Core capital (leverage) ratio | 10.2219% | 3,121 |
| Tier 1 risk-based capital ratio | 11.8020% | 6,025 |
| Total risk-based capital ratio | 13.0569% | 6,000 |
| Memoranda: | ||
| Average total assets | $85,177,000 | 5,225 |
| Average earning assets | $76,312,500 | 5,259 |
| Average equity | $8,574,000 | 5,339 |
| Average total loans | $62,984,500 | 4,602 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 1,203 |
| Cost of funding earning assets | 0.7496% | 3,093 |
| Net interest margin | 4.4030% | 1,157 |
| Noninterest income to average assets | 0.2038% | 5,956 |
| Noninterest expense to average assets | 3.5974% | 1,616 |
| Loan and lease loss provision to assets | 0.3169% | 2,156 |
| Net operating income to assets | 0.1743% | 5,833 |
| Return on assets (ROA) | 0.1743% | 6,006 |
| Pretax return on assets | 0.2388% | 5,932 |
| Return on Equity (ROE) | 1.6644% | 5,987 |
| Retained earnings to average equity (ytd only) | -12.4827% | 6,713 |
| Net charge-offs to loans | 0.2206% | 3,626 |
| Credit loss provision to net charge-offs | 193.1034% | 1,354 |
| Earnings coverage of net charge-offs (x) | 3.3862% | 3,748 |
| Efficiency ratio | 86.6176% | 1,362 |
| Assets per employee ($millions) | 2.8271% | 6,275 |
| Cash dividends to net income (ytd only)* | 850.0000% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 2,626 |
| Loan loss allowance to noncurrent loans | 350.1558% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 1.8796% | 2,599 |
| Noncurrent loans to loans | 0.5109% | 5,254 |
| Net loans and leases to total assets | 75.2689% | 1,015 |
| Net loans and leases to deposits | 84.2975% | 1,721 |
| Net loans and leases to core deposits | 88.9155% | 1,982 |
| Total domestic deposits to total assets | 89.2896% | 1,378 |
| Equity capital to assets | 10.4250% | 3,620 |
| Core capital (leverage) ratio | 10.0271% | 3,362 |
| Tier 1 risk-based capital ratio | 11.9744% | 5,807 |
| Total risk-based capital ratio | 13.2298% | 5,756 |
| Memoranda: | ||
| Average total assets | $88,342,600 | 5,130 |
| Average earning assets | $79,241,400 | 5,149 |
| Average equity | $9,252,800 | 5,156 |
| Average total loans | $65,725,600 | 4,520 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 1,218 |
| Cost of funding earning assets | 0.7958% | 2,982 |
| Net interest margin | 4.3962% | 1,207 |
| Noninterest income to average assets | 0.2683% | 5,634 |
| Noninterest expense to average assets | 3.6367% | 1,484 |
| Loan and lease loss provision to assets | 0.4151% | 1,542 |
| Net operating income to assets | 0.1097% | 6,110 |
| Return on assets (ROA) | 0.1097% | 6,249 |
| Pretax return on assets | 0.1394% | 6,216 |
| Return on Equity (ROE) | 1.0463% | 6,237 |
| Retained earnings to average equity (ytd only) | -17.4630% | 6,941 |
| Net charge-offs to loans | 0.2929% | 2,975 |
| Credit loss provision to net charge-offs | 191.7808% | 1,449 |
| Earnings coverage of net charge-offs (x) | 2.5616% | 4,017 |
| Efficiency ratio | 86.7704% | 1,320 |
| Assets per employee ($millions) | 3.1335% | 5,776 |
| Cash dividends to net income (ytd only)* | 1,768.9945% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,778 |
| Loan loss allowance to noncurrent loans | 264.8585% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 1.9353% | 2,734 |
| Noncurrent loans to loans | 0.6815% | 5,081 |
| Net loans and leases to total assets | 69.6342% | 1,985 |
| Net loans and leases to deposits | 77.3825% | 2,750 |
| Net loans and leases to core deposits | 81.8682% | 2,976 |
| Total domestic deposits to total assets | 89.9871% | 852 |
| Equity capital to assets | 9.6766% | 4,955 |
| Core capital (leverage) ratio | 9.6178% | 4,094 |
| Tier 1 risk-based capital ratio | 11.7236% | 6,099 |
| Total risk-based capital ratio | 12.9776% | 6,081 |
| Memoranda: | ||
| Average total assets | $89,931,750 | 5,146 |
| Average earning assets | $80,249,500 | 5,168 |
| Average equity | $9,429,250 | 5,171 |
| Average total loans | $66,448,500 | 4,531 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2760% | 1,097 |
| Cost of funding earning assets | 0.8628% | 2,708 |
| Net interest margin | 4.4132% | 1,167 |
| Noninterest income to average assets | 0.4765% | 4,084 |
| Noninterest expense to average assets | 3.7987% | 1,217 |
| Loan and lease loss provision to assets | 0.5691% | 1,070 |
| Net operating income to assets | 0.0397% | 6,272 |
| Return on assets (ROA) | 0.0397% | 6,413 |
| Pretax return on assets | 0.0243% | 6,417 |
| Return on Equity (ROE) | 0.3695% | 6,411 |
| Retained earnings to average equity (ytd only) | 0.3695% | 5,921 |
| Net charge-offs to loans | 0.3684% | 2,543 |
| Credit loss provision to net charge-offs | 206.4000% | 1,373 |
| Earnings coverage of net charge-offs (x) | 2.1520% | 3,908 |
| Efficiency ratio | 86.4892% | 1,383 |
| Assets per employee ($millions) | 3.0829% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 3,254 |
| Loan loss allowance to noncurrent loans | 487.8261% | 739 |
| Noncurrent assets plus other real estate owned to assets | 1.7795% | 3,067 |
| Noncurrent loans to loans | 0.3469% | 5,854 |
| Net loans and leases to total assets | 72.9076% | 1,406 |
| Net loans and leases to deposits | 82.0666% | 2,101 |
| Net loans and leases to core deposits | 87.2223% | 2,290 |
| Total domestic deposits to total assets | 88.8396% | 1,611 |
| Equity capital to assets | 10.8909% | 3,237 |
| Core capital (leverage) ratio | 10.6835% | 2,620 |
| Tier 1 risk-based capital ratio | 12.5433% | 5,539 |
| Total risk-based capital ratio | 13.7964% | 5,516 |
| Memoranda: | ||
| Average total assets | $90,663,330 | 5,150 |
| Average earning assets | $80,440,330 | 5,191 |
| Average equity | $9,742,330 | 5,096 |
| Average total loans | $67,858,670 | 4,495 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4398% | 856 |
| Cost of funding earning assets | 0.9402% | 2,376 |
| Net interest margin | 4.4997% | 1,010 |
| Noninterest income to average assets | 0.4732% | 4,116 |
| Noninterest expense to average assets | 3.5972% | 1,562 |
| Loan and lease loss provision to assets | 0.2848% | 2,188 |
| Net operating income to assets | 0.3374% | 5,526 |
| Return on assets (ROA) | 0.3374% | 5,700 |
| Pretax return on assets | 0.5126% | 5,386 |
| Return on Equity (ROE) | 3.1606% | 5,647 |
| Retained earnings to average equity (ytd only) | 3.1606% | 4,669 |
| Net charge-offs to loans | 0.3788% | 2,169 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 3,061 |
| Efficiency ratio | 81.8544% | 1,950 |
| Assets per employee ($millions) | 3.2065% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 4,314 |
| Loan loss allowance to noncurrent loans | 174.4268% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 2.2756% | 2,619 |
| Noncurrent loans to loans | 0.8399% | 4,995 |
| Net loans and leases to total assets | 71.5361% | 1,476 |
| Net loans and leases to deposits | 80.2471% | 2,174 |
| Net loans and leases to core deposits | 85.9176% | 2,300 |
| Total domestic deposits to total assets | 89.1448% | 1,606 |
| Equity capital to assets | 10.5218% | 3,466 |
| Core capital (leverage) ratio | 10.8723% | 2,362 |
| Tier 1 risk-based capital ratio | 12.3993% | 5,687 |
| Total risk-based capital ratio | 13.6498% | 5,645 |
| Memoranda: | ||
| Average total assets | $91,292,500 | 5,168 |
| Average earning assets | $79,561,500 | 5,253 |
| Average equity | $9,745,000 | 5,104 |
| Average total loans | $68,635,500 | 4,493 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4259% | 1,350 |
| Cost of funding earning assets | 1.1068% | 2,627 |
| Net interest margin | 4.3191% | 1,637 |
| Noninterest income to average assets | 0.4422% | 4,289 |
| Noninterest expense to average assets | 3.7039% | 1,530 |
| Loan and lease loss provision to assets | 0.1220% | 5,080 |
| Net operating income to assets | 0.4596% | 4,595 |
| Return on assets (ROA) | 0.4596% | 4,803 |
| Pretax return on assets | 0.5772% | 4,757 |
| Return on Equity (ROE) | 4.4629% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.4629% | 2,994 |
| Net charge-offs to loans | 0.2464% | 4,240 |
| Credit loss provision to net charge-offs | 65.4971% | 5,010 |
| Earnings coverage of net charge-offs (x) | 3.7544% | 3,404 |
| Efficiency ratio | 84.1207% | 1,751 |
| Assets per employee ($millions) | 2.9866% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 4,382 |
| Loan loss allowance to noncurrent loans | 136.0385% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 2.3773% | 2,548 |
| Noncurrent loans to loans | 1.0421% | 4,624 |
| Net loans and leases to total assets | 76.7582% | 856 |
| Net loans and leases to deposits | 87.4741% | 1,454 |
| Net loans and leases to core deposits | 95.0744% | 1,581 |
| Total domestic deposits to total assets | 87.7496% | 2,310 |
| Equity capital to assets | 10.8330% | 3,157 |
| Core capital (leverage) ratio | 10.5221% | 2,699 |
| Tier 1 risk-based capital ratio | 12.2358% | 5,658 |
| Total risk-based capital ratio | 13.4869% | 5,632 |
| Memoranda: | ||
| Average total assets | $91,821,800 | 5,138 |
| Average earning assets | $84,207,200 | 5,112 |
| Average equity | $9,455,800 | 5,165 |
| Average total loans | $69,408,800 | 4,513 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4362% | 1,422 |
| Cost of funding earning assets | 1.1255% | 2,793 |
| Net interest margin | 4.3107% | 1,676 |
| Noninterest income to average assets | 0.4258% | 4,473 |
| Noninterest expense to average assets | 3.6112% | 1,686 |
| Loan and lease loss provision to assets | 0.1516% | 4,560 |
| Net operating income to assets | 0.4157% | 4,925 |
| Return on assets (ROA) | 0.4157% | 5,118 |
| Pretax return on assets | 0.6322% | 4,709 |
| Return on Equity (ROE) | 4.0879% | 4,957 |
| Retained earnings to average equity (ytd only) | 4.0879% | 3,819 |
| Net charge-offs to loans | 0.0596% | 5,370 |
| Credit loss provision to net charge-offs | 338.7097% | 833 |
| Earnings coverage of net charge-offs (x) | 17.5171% | 1,348 |
| Efficiency ratio | 82.1675% | 1,948 |
| Assets per employee ($millions) | 2.9227% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 3,774 |
| Loan loss allowance to noncurrent loans | 309.9448% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 1.9812% | 3,162 |
| Noncurrent loans to loans | 0.5085% | 5,828 |
| Net loans and leases to total assets | 77.3330% | 796 |
| Net loans and leases to deposits | 88.9501% | 1,327 |
| Net loans and leases to core deposits | 97.4099% | 1,480 |
| Total domestic deposits to total assets | 86.9397% | 2,694 |
| Equity capital to assets | 10.5548% | 3,638 |
| Core capital (leverage) ratio | 10.3357% | 3,055 |
| Tier 1 risk-based capital ratio | 11.9507% | 5,929 |
| Total risk-based capital ratio | 13.2037% | 5,910 |
| Memoranda: | ||
| Average total assets | $92,378,000 | 5,159 |
| Average earning assets | $85,057,250 | 5,120 |
| Average equity | $9,393,250 | 5,208 |
| Average total loans | $69,320,500 | 4,556 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4517% | 1,409 |
| Cost of funding earning assets | 1.1441% | 2,938 |
| Net interest margin | 4.3075% | 1,626 |
| Noninterest income to average assets | 0.4044% | 4,644 |
| Noninterest expense to average assets | 3.5947% | 1,752 |
| Loan and lease loss provision to assets | 0.0968% | 5,116 |
| Net operating income to assets | 0.4410% | 4,767 |
| Return on assets (ROA) | 0.4410% | 4,904 |
| Pretax return on assets | 0.6733% | 4,485 |
| Return on Equity (ROE) | 4.3913% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.3913% | 3,398 |
| Net charge-offs to loans | 0.0175% | 5,594 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 59.6667% | 545 |
| Efficiency ratio | 82.3558% | 2,055 |
| Assets per employee ($millions) | 3.1322% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 3,698 |
| Loan loss allowance to noncurrent loans | 388.2143% | 832 |
| Noncurrent assets plus other real estate owned to assets | 1.9398% | 3,323 |
| Noncurrent loans to loans | 0.4119% | 6,080 |
| Net loans and leases to total assets | 73.6423% | 1,484 |
| Net loans and leases to deposits | 85.0342% | 1,943 |
| Net loans and leases to core deposits | 93.5344% | 1,955 |
| Total domestic deposits to total assets | 86.6032% | 2,986 |
| Equity capital to assets | 10.4002% | 3,636 |
| Core capital (leverage) ratio | 10.1550% | 3,086 |
| Tier 1 risk-based capital ratio | 12.2448% | 5,569 |
| Total risk-based capital ratio | 13.4968% | 5,552 |
| Memoranda: | ||
| Average total assets | $92,969,670 | 5,171 |
| Average earning assets | $85,478,670 | 5,140 |
| Average equity | $9,336,670 | 5,225 |
| Average total loans | $68,698,000 | 4,625 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 1,580 |
| Cost of funding earning assets | 1.1702% | 3,016 |
| Net interest margin | 4.2231% | 1,826 |
| Noninterest income to average assets | 0.3743% | 4,917 |
| Noninterest expense to average assets | 3.6454% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3998% | 4,947 |
| Return on assets (ROA) | 0.3998% | 5,039 |
| Pretax return on assets | 0.6125% | 4,642 |
| Return on Equity (ROE) | 4.0511% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.0511% | 3,733 |
| Net charge-offs to loans | 0.0058% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 215 |
| Efficiency ratio | 85.6144% | 1,759 |
| Assets per employee ($millions) | 3.2009% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 4,260 |
| Loan loss allowance to noncurrent loans | 2,181.2500% | 198 |
| Noncurrent assets plus other real estate owned to assets | 1.6224% | 3,815 |
| Noncurrent loans to loans | 0.0683% | 6,867 |
| Net loans and leases to total assets | 74.5877% | 1,254 |
| Net loans and leases to deposits | 85.7295% | 1,771 |
| Net loans and leases to core deposits | 94.7037% | 1,803 |
| Total domestic deposits to total assets | 87.0035% | 2,935 |
| Equity capital to assets | 10.0512% | 3,711 |
| Core capital (leverage) ratio | 9.7655% | 3,424 |
| Tier 1 risk-based capital ratio | 11.7412% | 5,902 |
| Total risk-based capital ratio | 12.9930% | 5,910 |
| Memoranda: | ||
| Average total assets | $94,037,000 | 5,170 |
| Average earning assets | $86,477,500 | 5,148 |
| Average equity | $9,281,500 | 5,238 |
| Average total loans | $69,057,000 | 4,649 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6583% | 1,723 |
| Cost of funding earning assets | 1.5102% | 2,577 |
| Net interest margin | 4.1481% | 2,373 |
| Noninterest income to average assets | 0.4653% | 4,408 |
| Noninterest expense to average assets | 3.6652% | 1,781 |
| Loan and lease loss provision to assets | 0.7785% | 2,106 |
| Net operating income to assets | -0.1533% | 6,056 |
| Return on assets (ROA) | -0.1533% | 6,111 |
| Pretax return on assets | -0.1533% | 6,051 |
| Return on Equity (ROE) | -1.5440% | 6,124 |
| Retained earnings to average equity (ytd only) | -1.5440% | 5,895 |
| Net charge-offs to loans | 0.8407% | 2,529 |
| Credit loss provision to net charge-offs | 120.2726% | 3,508 |
| Earnings coverage of net charge-offs (x) | 0.9659% | 5,141 |
| Efficiency ratio | 85.4279% | 1,756 |
| Assets per employee ($millions) | 3.2844% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 3,799 |
| Loan loss allowance to noncurrent loans | 3,493.3333% | 141 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 3,906 |
| Noncurrent loans to loans | 0.0442% | 7,018 |
| Net loans and leases to total assets | 70.1141% | 2,512 |
| Net loans and leases to deposits | 81.1734% | 2,955 |
| Net loans and leases to core deposits | 89.7886% | 2,799 |
| Total domestic deposits to total assets | 86.3757% | 3,150 |
| Equity capital to assets | 9.6935% | 4,148 |
| Core capital (leverage) ratio | 9.9223% | 3,176 |
| Tier 1 risk-based capital ratio | 11.7900% | 5,658 |
| Total risk-based capital ratio | 13.0419% | 5,653 |
| Memoranda: | ||
| Average total assets | $90,691,400 | 5,267 |
| Average earning assets | $83,629,000 | 5,223 |
| Average equity | $9,002,600 | 5,427 |
| Average total loans | $69,823,600 | 4,688 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6820% | 1,769 |
| Cost of funding earning assets | 1.5833% | 2,485 |
| Net interest margin | 4.0987% | 2,627 |
| Noninterest income to average assets | 0.4333% | 4,688 |
| Noninterest expense to average assets | 3.4765% | 2,092 |
| Loan and lease loss provision to assets | 0.7861% | 1,942 |
| Net operating income to assets | 0.0164% | 5,968 |
| Return on assets (ROA) | 0.0164% | 6,089 |
| Pretax return on assets | -0.0253% | 6,130 |
| Return on Equity (ROE) | 0.1640% | 6,078 |
| Retained earnings to average equity (ytd only) | 0.1640% | 5,707 |
| Net charge-offs to loans | 1.1130% | 1,830 |
| Credit loss provision to net charge-offs | 89.9489% | 4,767 |
| Earnings coverage of net charge-offs (x) | 0.8705% | 5,178 |
| Efficiency ratio | 82.0450% | 2,056 |
| Assets per employee ($millions) | 3.0445% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 5,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8564% | 3,670 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 77.4031% | 1,146 |
| Net loans and leases to deposits | 91.0278% | 1,576 |
| Net loans and leases to core deposits | 102.4941% | 1,602 |
| Total domestic deposits to total assets | 85.0324% | 3,602 |
| Equity capital to assets | 10.6636% | 3,334 |
| Core capital (leverage) ratio | 10.4027% | 2,797 |
| Tier 1 risk-based capital ratio | 12.0572% | 5,410 |
| Total risk-based capital ratio | 13.1928% | 5,486 |
| Memoranda: | ||
| Average total assets | $89,552,000 | 5,370 |
| Average earning assets | $83,114,500 | 5,302 |
| Average equity | $8,945,000 | 5,510 |
| Average total loans | $70,321,750 | 4,743 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5971% | 2,147 |
| Cost of funding earning assets | 1.6278% | 2,495 |
| Net interest margin | 3.9693% | 3,167 |
| Noninterest income to average assets | 0.4112% | 4,821 |
| Noninterest expense to average assets | 3.3677% | 2,348 |
| Loan and lease loss provision to assets | 1.1737% | 1,203 |
| Net operating income to assets | -0.2423% | 6,404 |
| Return on assets (ROA) | -0.2423% | 6,445 |
| Pretax return on assets | -0.4335% | 6,540 |
| Return on Equity (ROE) | -2.4806% | 6,465 |
| Retained earnings to average equity (ytd only) | -2.4806% | 6,225 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9805% | 2,170 |
| Assets per employee ($millions) | 3.1356% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0728% | 2,028 |
| Loan loss allowance to noncurrent loans | 109.1386% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 2.5778% | 2,816 |
| Noncurrent loans to loans | 1.8992% | 3,867 |
| Net loans and leases to total assets | 75.6983% | 1,544 |
| Net loans and leases to deposits | 88.9374% | 2,010 |
| Net loans and leases to core deposits | 100.1703% | 1,998 |
| Total domestic deposits to total assets | 85.1142% | 3,567 |
| Equity capital to assets | 10.1911% | 3,781 |
| Core capital (leverage) ratio | 10.1192% | 3,039 |
| Tier 1 risk-based capital ratio | 11.8102% | 5,487 |
| Total risk-based capital ratio | 13.0805% | 5,430 |
| Memoranda: | ||
| Average total assets | $89,972,330 | 5,390 |
| Average earning assets | $83,794,000 | 5,307 |
| Average equity | $8,788,330 | 5,564 |
| Average total loans | $70,692,330 | 4,770 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5339% | 2,438 |
| Cost of funding earning assets | 1.6602% | 2,597 |
| Net interest margin | 3.8737% | 3,434 |
| Noninterest income to average assets | 0.3889% | 5,011 |
| Noninterest expense to average assets | 3.2003% | 2,864 |
| Loan and lease loss provision to assets | 0.4604% | 2,667 |
| Net operating income to assets | 0.2548% | 5,475 |
| Return on assets (ROA) | 0.2548% | 5,601 |
| Pretax return on assets | 0.3576% | 5,425 |
| Return on Equity (ROE) | 2.6670% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.6670% | 4,548 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6440% | 2,625 |
| Assets per employee ($millions) | 2.9849% | 6,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 4,165 |
| Loan loss allowance to noncurrent loans | 85.6432% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 2.4724% | 2,934 |
| Noncurrent loans to loans | 1.6943% | 4,202 |
| Net loans and leases to total assets | 78.2695% | 1,101 |
| Net loans and leases to deposits | 92.4595% | 1,547 |
| Net loans and leases to core deposits | 112.2665% | 1,143 |
| Total domestic deposits to total assets | 84.6528% | 3,828 |
| Equity capital to assets | 10.5408% | 3,205 |
| Core capital (leverage) ratio | 10.3632% | 2,751 |
| Tier 1 risk-based capital ratio | 11.9389% | 5,266 |
| Total risk-based capital ratio | 13.2018% | 5,206 |
| Memoranda: | ||
| Average total assets | $89,492,500 | 5,472 |
| Average earning assets | $83,847,000 | 5,368 |
| Average equity | $8,549,000 | 5,678 |
| Average total loans | $70,893,000 | 4,822 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9896% | 1,914 |
| Cost of funding earning assets | 2.0975% | 2,468 |
| Net interest margin | 3.8921% | 3,299 |
| Noninterest income to average assets | 0.5132% | 4,309 |
| Noninterest expense to average assets | 3.8836% | 1,531 |
| Loan and lease loss provision to assets | 0.5417% | 3,660 |
| Net operating income to assets | -0.1782% | 5,819 |
| Return on assets (ROA) | -0.1782% | 5,814 |
| Pretax return on assets | -0.3386% | 5,866 |
| Return on Equity (ROE) | -1.9919% | 5,858 |
| Retained earnings to average equity (ytd only) | -1.9919% | 5,517 |
| Net charge-offs to loans | 0.3807% | 4,305 |
| Credit loss provision to net charge-offs | 170.7865% | 2,495 |
| Earnings coverage of net charge-offs (x) | 0.6404% | 5,455 |
| Efficiency ratio | 95.0291% | 1,351 |
| Assets per employee ($millions) | 2.9813% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 4,674 |
| Loan loss allowance to noncurrent loans | 469.1919% | 706 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 4,832 |
| Noncurrent loans to loans | 0.2802% | 6,727 |
| Net loans and leases to total assets | 77.9725% | 1,395 |
| Net loans and leases to deposits | 90.0367% | 2,207 |
| Net loans and leases to core deposits | 128.8182% | 1,346 |
| Total domestic deposits to total assets | 86.6008% | 2,704 |
| Equity capital to assets | 8.5635% | 5,783 |
| Core capital (leverage) ratio | 8.5430% | 5,213 |
| Tier 1 risk-based capital ratio | 9.7461% | 7,064 |
| Total risk-based capital ratio | 10.9966% | 7,046 |
| Memoranda: | ||
| Average total assets | $84,173,400 | 5,588 |
| Average earning assets | $77,284,200 | 5,551 |
| Average equity | $7,530,400 | 6,076 |
| Average total loans | $70,135,200 | 4,861 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0532% | 1,825 |
| Cost of funding earning assets | 2.1792% | 2,504 |
| Net interest margin | 3.8740% | 3,329 |
| Noninterest income to average assets | 0.5342% | 4,203 |
| Noninterest expense to average assets | 3.8604% | 1,491 |
| Loan and lease loss provision to assets | 0.6308% | 2,868 |
| Net operating income to assets | -0.2269% | 6,107 |
| Return on assets (ROA) | -0.2269% | 6,116 |
| Pretax return on assets | -0.4184% | 6,219 |
| Return on Equity (ROE) | -2.5073% | 6,165 |
| Retained earnings to average equity (ytd only) | -2.5073% | 5,822 |
| Net charge-offs to loans | 0.4514% | 3,426 |
| Credit loss provision to net charge-offs | 165.4008% | 2,848 |
| Earnings coverage of net charge-offs (x) | 0.5570% | 5,472 |
| Efficiency ratio | 94.7847% | 1,350 |
| Assets per employee ($millions) | 2.9611% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 4,651 |
| Loan loss allowance to noncurrent loans | 451.5152% | 701 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 4,799 |
| Noncurrent loans to loans | 0.2824% | 6,805 |
| Net loans and leases to total assets | 77.9280% | 1,589 |
| Net loans and leases to deposits | 90.2589% | 2,527 |
| Net loans and leases to core deposits | 135.9485% | 1,101 |
| Total domestic deposits to total assets | 86.3383% | 2,518 |
| Equity capital to assets | 8.6388% | 6,056 |
| Core capital (leverage) ratio | 8.7698% | 5,020 |
| Tier 1 risk-based capital ratio | 9.7179% | 7,223 |
| Total risk-based capital ratio | 10.9455% | 7,196 |
| Memoranda: | ||
| Average total assets | $82,857,250 | 5,662 |
| Average earning assets | $75,682,750 | 5,646 |
| Average equity | $7,498,250 | 6,146 |
| Average total loans | $70,002,500 | 4,913 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1913% | 1,484 |
| Cost of funding earning assets | 2.2496% | 2,579 |
| Net interest margin | 3.9417% | 2,923 |
| Noninterest income to average assets | 0.5862% | 3,799 |
| Noninterest expense to average assets | 3.8731% | 1,532 |
| Loan and lease loss provision to assets | 0.7840% | 2,125 |
| Net operating income to assets | -0.2770% | 6,301 |
| Return on assets (ROA) | -0.2770% | 6,316 |
| Pretax return on assets | -0.5045% | 6,429 |
| Return on Equity (ROE) | -3.0109% | 6,362 |
| Retained earnings to average equity (ytd only) | -3.0109% | 5,975 |
| Net charge-offs to loans | 0.6632% | 2,376 |
| Credit loss provision to net charge-offs | 136.6379% | 3,420 |
| Earnings coverage of net charge-offs (x) | 0.4871% | 5,216 |
| Efficiency ratio | 93.2698% | 1,551 |
| Assets per employee ($millions) | 2.7689% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 4,918 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 208 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 4,937 |
| Noncurrent loans to loans | 0.0656% | 7,361 |
| Net loans and leases to total assets | 81.5958% | 1,028 |
| Net loans and leases to deposits | 95.8211% | 1,826 |
| Net loans and leases to core deposits | 145.8701% | 764 |
| Total domestic deposits to total assets | 85.1543% | 3,186 |
| Equity capital to assets | 8.9180% | 5,423 |
| Core capital (leverage) ratio | 9.0152% | 4,601 |
| Tier 1 risk-based capital ratio | 9.6831% | 7,246 |
| Total risk-based capital ratio | 10.8511% | 7,266 |
| Memoranda: | ||
| Average total assets | $80,865,670 | 5,767 |
| Average earning assets | $73,167,000 | 5,783 |
| Average equity | $7,439,670 | 6,203 |
| Average total loans | $69,963,670 | 4,962 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2034% | 1,593 |
| Cost of funding earning assets | 2.2115% | 3,107 |
| Net interest margin | 3.9918% | 2,678 |
| Noninterest income to average assets | 0.6118% | 3,465 |
| Noninterest expense to average assets | 4.0018% | 1,186 |
| Loan and lease loss provision to assets | 1.3791% | 931 |
| Net operating income to assets | -0.6820% | 7,041 |
| Return on assets (ROA) | -0.6820% | 7,077 |
| Pretax return on assets | -1.1484% | 7,223 |
| Return on Equity (ROE) | -7.2966% | 7,173 |
| Retained earnings to average equity (ytd only) | -7.2966% | 6,826 |
| Net charge-offs to loans | 0.8097% | 1,597 |
| Credit loss provision to net charge-offs | 192.3077% | 2,291 |
| Earnings coverage of net charge-offs (x) | 0.3217% | 4,722 |
| Efficiency ratio | 94.5498% | 1,401 |
| Assets per employee ($millions) | 2.7892% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 4,618 |
| Loan loss allowance to noncurrent loans | 162.9907% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 4,576 |
| Noncurrent loans to loans | 0.7520% | 5,550 |
| Net loans and leases to total assets | 86.8716% | 346 |
| Net loans and leases to deposits | 104.7323% | 961 |
| Net loans and leases to core deposits | 154.8789% | 585 |
| Total domestic deposits to total assets | 82.9464% | 4,173 |
| Equity capital to assets | 9.1524% | 5,148 |
| Core capital (leverage) ratio | 9.1964% | 4,405 |
| Tier 1 risk-based capital ratio | 9.5251% | 7,407 |
| Total risk-based capital ratio | 10.7388% | 7,384 |
| Memoranda: | ||
| Average total assets | $79,764,500 | 5,832 |
| Average earning assets | $72,348,000 | 5,830 |
| Average equity | $7,455,500 | 6,240 |
| Average total loans | $70,643,000 | 4,962 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9454% | 1,266 |
| Cost of funding earning assets | 2.5545% | 3,929 |
| Net interest margin | 4.3909% | 1,714 |
| Noninterest income to average assets | 0.6671% | 3,356 |
| Noninterest expense to average assets | 4.2599% | 1,090 |
| Loan and lease loss provision to assets | 0.1671% | 5,245 |
| Net operating income to assets | 0.1802% | 5,907 |
| Return on assets (ROA) | 0.1945% | 5,681 |
| Pretax return on assets | 0.2676% | 5,583 |
| Return on Equity (ROE) | 2.1670% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.1670% | 3,877 |
| Net charge-offs to loans | 0.0848% | 5,547 |
| Credit loss provision to net charge-offs | 232.7273% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.7818% | 3,538 |
| Efficiency ratio | 91.1198% | 1,435 |
| Assets per employee ($millions) | 2.6214% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 5,582 |
| Loan loss allowance to noncurrent loans | 778.9474% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 5,599 |
| Noncurrent loans to loans | 0.1354% | 7,010 |
| Net loans and leases to total assets | 88.2558% | 343 |
| Net loans and leases to deposits | 108.8464% | 909 |
| Net loans and leases to core deposits | 163.6996% | 510 |
| Total domestic deposits to total assets | 81.0829% | 4,601 |
| Equity capital to assets | 9.5469% | 4,616 |
| Core capital (leverage) ratio | 9.7266% | 3,734 |
| Tier 1 risk-based capital ratio | 9.7211% | 7,058 |
| Total risk-based capital ratio | 10.7663% | 7,212 |
| Memoranda: | ||
| Average total assets | $76,598,400 | 5,812 |
| Average earning assets | $69,916,800 | 5,823 |
| Average equity | $6,876,000 | 6,499 |
| Average total loans | $64,846,600 | 5,059 |