Home > Northern State Bank of Virginia > Performance and Condition Ratios
Northern State Bank of Virginia, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5461% | 2,005 |
| Cost of funding earning assets | 1.7783% | 2,506 |
| Net interest margin | 3.7678% | 1,737 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 2.7223% | 1,693 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.9221% | 2,503 |
| Return on assets (ROA) | 0.9221% | 2,506 |
| Pretax return on assets | 0.9221% | 2,912 |
| Return on Equity (ROE) | 10.1600% | 2,269 |
| Retained earnings to average equity (ytd only) | 6.6399% | 2,104 |
| 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 | 68.7500% | 1,954 |
| Assets per employee ($millions) | 6.1853% | 2,813 |
| Cash dividends to net income (ytd only)* | 34.6320% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 3,891 |
| 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 | 71.0900% | 1,719 |
| Net loans and leases to deposits | 79.6466% | 2,087 |
| Net loans and leases to core deposits | 84.1303% | 2,441 |
| Total domestic deposits to total assets | 89.2600% | 1,070 |
| Equity capital to assets | 9.3791% | 2,664 |
| Core capital (leverage) ratio | 9.3709% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4816% | 1,379 |
| Memoranda: | ||
| Average total assets | $100,208,000 | 3,769 |
| Average earning assets | $94,698,000 | 3,739 |
| Average equity | $9,096,500 | 3,867 |
| Average total loans | $70,683,000 | 3,573 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 2,562 |
| Cost of funding earning assets | 1.9492% | 2,341 |
| Net interest margin | 3.3326% | 2,430 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 2.6148% | 1,975 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.6949% | 2,992 |
| Return on assets (ROA) | 0.6732% | 3,071 |
| Pretax return on assets | 0.6732% | 3,311 |
| Return on Equity (ROE) | 7.9400% | 2,773 |
| Retained earnings to average equity (ytd only) | 2.3470% | 3,268 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 73.5591% | 1,603 |
| Assets per employee ($millions) | 6.3407% | 2,623 |
| Cash dividends to net income (ytd only)* | 70.4246% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 3,942 |
| 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 | 68.9100% | 2,022 |
| Net loans and leases to deposits | 78.0785% | 2,280 |
| Net loans and leases to core deposits | 83.0997% | 2,557 |
| Total domestic deposits to total assets | 88.2500% | 1,418 |
| Equity capital to assets | 8.7836% | 2,984 |
| Core capital (leverage) ratio | 9.0018% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1421% | 1,493 |
| Memoranda: | ||
| Average total assets | $101,460,600 | 3,767 |
| Average earning assets | $95,781,400 | 3,728 |
| Average equity | $8,606,800 | 3,912 |
| Average total loans | $70,028,400 | 3,568 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 2,686 |
| Cost of funding earning assets | 1.9668% | 2,295 |
| Net interest margin | 3.2204% | 2,638 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.5611% | 2,061 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.6347% | 3,126 |
| Return on assets (ROA) | 0.6058% | 3,230 |
| Pretax return on assets | 0.6058% | 3,456 |
| Return on Equity (ROE) | 7.2100% | 2,979 |
| Retained earnings to average equity (ytd only) | 3.2822% | 3,077 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.4262% | 1,538 |
| Assets per employee ($millions) | 6.4442% | 2,544 |
| Cash dividends to net income (ytd only)* | 54.4469% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 3,981 |
| 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 | 68.4200% | 2,035 |
| Net loans and leases to deposits | 77.3661% | 2,397 |
| Net loans and leases to core deposits | 83.3125% | 2,612 |
| Total domestic deposits to total assets | 88.4300% | 1,108 |
| Equity capital to assets | 8.8044% | 3,175 |
| Core capital (leverage) ratio | 9.0232% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7820% | 1,603 |
| Memoranda: | ||
| Average total assets | $101,463,000 | 3,776 |
| Average earning assets | $95,721,750 | 3,745 |
| Average equity | $8,530,750 | 3,933 |
| Average total loans | $69,923,250 | 3,576 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 2,869 |
| Cost of funding earning assets | 1.9132% | 2,324 |
| Net interest margin | 3.1326% | 2,789 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 2.5487% | 2,099 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.5510% | 3,306 |
| Return on assets (ROA) | 0.5074% | 3,446 |
| Pretax return on assets | 0.5074% | 3,618 |
| Return on Equity (ROE) | 6.1300% | 3,238 |
| Retained earnings to average equity (ytd only) | 0.1198% | 3,809 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 76.2087% | 1,442 |
| Assets per employee ($millions) | 6.1661% | 2,666 |
| Cash dividends to net income (ytd only)* | 98.0469% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 3,968 |
| 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 | 69.7600% | 1,923 |
| Net loans and leases to deposits | 81.0866% | 2,108 |
| Net loans and leases to core deposits | 87.1612% | 2,334 |
| Total domestic deposits to total assets | 86.0300% | 1,973 |
| Equity capital to assets | 8.5315% | 3,077 |
| Core capital (leverage) ratio | 8.9479% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1650% | 1,475 |
| Memoranda: | ||
| Average total assets | $100,915,000 | 3,798 |
| Average earning assets | $95,127,667 | 3,766 |
| Average equity | $8,348,333 | 3,938 |
| Average total loans | $69,535,333 | 3,588 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 3,061 |
| Cost of funding earning assets | 1.7774% | 2,562 |
| Net interest margin | 3.0803% | 2,837 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.4029% | 2,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6429% | 3,033 |
| Return on assets (ROA) | 0.5566% | 3,290 |
| Pretax return on assets | 0.5566% | 3,470 |
| Return on Equity (ROE) | 6.8300% | 2,998 |
| Retained earnings to average equity (ytd only) | -1.5877% | 3,892 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 73.2304% | 1,814 |
| Assets per employee ($millions) | 6.3600% | 2,559 |
| Cash dividends to net income (ytd only)* | 123.2394% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7698% | 4,004 |
| 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 | 68.7900% | 1,933 |
| Net loans and leases to deposits | 82.2449% | 1,866 |
| Net loans and leases to core deposits | 86.5903% | 2,276 |
| Total domestic deposits to total assets | 83.6400% | 2,824 |
| Equity capital to assets | 8.1712% | 3,248 |
| Core capital (leverage) ratio | 8.9172% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9500% | 1,904 |
| Memoranda: | ||
| Average total assets | $102,043,500 | 3,810 |
| Average earning assets | $96,096,000 | 3,777 |
| Average equity | $8,314,000 | 3,961 |
| Average total loans | $69,622,000 | 3,585 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 3,056 |
| Cost of funding earning assets | 1.2401% | 2,693 |
| Net interest margin | 3.2816% | 2,678 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 3.0445% | 1,054 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.1179% | 4,237 |
| Return on assets (ROA) | 0.1179% | 4,264 |
| Pretax return on assets | 0.1179% | 4,261 |
| Return on Equity (ROE) | 1.4800% | 4,214 |
| Retained earnings to average equity (ytd only) | 0.4749% | 3,958 |
| Net charge-offs to loans | 0.1915% | 560 |
| Credit loss provision to net charge-offs | 93.2203% | 1,923 |
| Earnings coverage of net charge-offs (x) | 1.9068% | 2,735 |
| Efficiency ratio | 87.4178% | 500 |
| Assets per employee ($millions) | 6.3954% | 2,482 |
| Cash dividends to net income (ytd only)* | 67.8261% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 3,990 |
| 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 | 66.6100% | 2,187 |
| Net loans and leases to deposits | 76.0658% | 2,449 |
| Net loans and leases to core deposits | 79.8325% | 2,710 |
| Total domestic deposits to total assets | 87.5700% | 1,498 |
| Equity capital to assets | 8.1240% | 3,337 |
| Core capital (leverage) ratio | 8.7631% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1609% | 1,491 |
| Memoranda: | ||
| Average total assets | $97,552,200 | 3,850 |
| Average earning assets | $91,204,800 | 3,827 |
| Average equity | $7,790,400 | 3,954 |
| Average total loans | $61,612,400 | 3,686 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 3,179 |
| Cost of funding earning assets | 1.0486% | 2,895 |
| Net interest margin | 3.3105% | 2,655 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 3.0427% | 1,001 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.1024% | 4,316 |
| Return on assets (ROA) | 0.1024% | 4,337 |
| Pretax return on assets | 0.1024% | 4,342 |
| Return on Equity (ROE) | 1.2900% | 4,281 |
| Retained earnings to average equity (ytd only) | -0.0696% | 4,156 |
| Net charge-offs to loans | 0.2629% | 337 |
| Credit loss provision to net charge-offs | 76.2712% | 1,775 |
| Earnings coverage of net charge-offs (x) | 1.3898% | 2,537 |
| Efficiency ratio | 87.4312% | 462 |
| Assets per employee ($millions) | 6.3307% | 2,470 |
| Cash dividends to net income (ytd only)* | 105.4054% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 3,963 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 3,257 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.2400% | 2,534 |
| Net loans and leases to deposits | 71.8187% | 2,720 |
| Net loans and leases to core deposits | 76.4616% | 2,833 |
| Total domestic deposits to total assets | 88.0600% | 1,549 |
| Equity capital to assets | 7.5249% | 3,340 |
| Core capital (leverage) ratio | 8.7468% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4000% | 1,447 |
| Memoranda: | ||
| Average total assets | $96,358,500 | 3,874 |
| Average earning assets | $89,894,500 | 3,851 |
| Average equity | $7,659,750 | 3,974 |
| Average total loans | $59,839,500 | 3,718 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 3,401 |
| Cost of funding earning assets | 0.7489% | 3,352 |
| Net interest margin | 3.3996% | 2,516 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 3.0323% | 989 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.1816% | 4,303 |
| Return on assets (ROA) | 0.1816% | 4,325 |
| Pretax return on assets | 0.1816% | 4,338 |
| Return on Equity (ROE) | 2.2400% | 4,240 |
| Retained earnings to average equity (ytd only) | 0.2085% | 4,035 |
| Net charge-offs to loans | 0.4051% | 209 |
| Credit loss provision to net charge-offs | 50.8475% | 1,665 |
| Earnings coverage of net charge-offs (x) | 1.2373% | 2,376 |
| Efficiency ratio | 85.2086% | 534 |
| Assets per employee ($millions) | 6.2601% | 2,496 |
| Cash dividends to net income (ytd only)* | 90.6977% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 4,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,217 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.9900% | 2,676 |
| Net loans and leases to deposits | 69.3442% | 2,835 |
| Net loans and leases to core deposits | 73.8726% | 2,895 |
| Total domestic deposits to total assets | 87.9500% | 1,617 |
| Equity capital to assets | 7.7425% | 3,373 |
| Core capital (leverage) ratio | 9.2777% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0838% | 1,301 |
| Memoranda: | ||
| Average total assets | $94,714,333 | 3,900 |
| Average earning assets | $88,128,667 | 3,882 |
| Average equity | $7,672,333 | 3,988 |
| Average total loans | $58,259,000 | 3,743 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,484 |
| Cost of funding earning assets | 0.5047% | 3,670 |
| Net interest margin | 3.4815% | 2,415 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 3.1003% | 937 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.1870% | 4,368 |
| Return on assets (ROA) | 0.1870% | 4,336 |
| Pretax return on assets | 0.1870% | 4,351 |
| Return on Equity (ROE) | 2.2500% | 4,273 |
| Retained earnings to average equity (ytd only) | -1.8346% | 4,200 |
| Net charge-offs to loans | 0.8339% | 91 |
| Credit loss provision to net charge-offs | 25.4237% | 1,370 |
| Earnings coverage of net charge-offs (x) | 0.6186% | 2,000 |
| Efficiency ratio | 85.1145% | 540 |
| Assets per employee ($millions) | 5.6993% | 3,029 |
| Cash dividends to net income (ytd only)* | 181.3953% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 4,043 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 3,172 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 61.0700% | 2,552 |
| Net loans and leases to deposits | 67.3275% | 2,827 |
| Net loans and leases to core deposits | 71.2675% | 2,867 |
| Total domestic deposits to total assets | 90.7100% | 905 |
| Equity capital to assets | 8.5043% | 2,887 |
| Core capital (leverage) ratio | 9.4577% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0282% | 1,146 |
| Memoranda: | ||
| Average total assets | $91,991,000 | 3,975 |
| Average earning assets | $85,595,500 | 3,954 |
| Average equity | $7,631,000 | 4,044 |
| Average total loans | $56,599,000 | 3,812 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6803% | 2,584 |
| Cost of funding earning assets | 0.2381% | 3,428 |
| Net interest margin | 3.4421% | 2,125 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.8248% | 1,266 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.5108% | 4,074 |
| Return on assets (ROA) | 0.5108% | 4,032 |
| Pretax return on assets | 0.5108% | 4,158 |
| Return on Equity (ROE) | 5.9000% | 3,847 |
| Retained earnings to average equity (ytd only) | 3.2294% | 3,656 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.0234% | 849 |
| Assets per employee ($millions) | 5.7996% | 2,949 |
| Cash dividends to net income (ytd only)* | 45.2790% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,534 |
| Loan loss allowance to noncurrent loans | 48.5891% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2221% | 309 |
| Noncurrent loans to loans | 1.9880% | 287 |
| Net loans and leases to total assets | 60.8800% | 2,563 |
| Net loans and leases to deposits | 66.4190% | 2,864 |
| Net loans and leases to core deposits | 70.5603% | 2,834 |
| Total domestic deposits to total assets | 91.6600% | 732 |
| Equity capital to assets | 8.0900% | 3,003 |
| Core capital (leverage) ratio | 9.3053% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6456% | 1,200 |
| Memoranda: | ||
| Average total assets | $91,229,200 | 4,001 |
| Average earning assets | $83,146,400 | 4,003 |
| Average equity | $7,896,200 | 4,112 |
| Average total loans | $52,388,000 | 3,855 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 2,423 |
| Cost of funding earning assets | 0.1847% | 3,457 |
| Net interest margin | 3.3844% | 2,026 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.7257% | 1,412 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5431% | 3,984 |
| Return on assets (ROA) | 0.5431% | 3,926 |
| Pretax return on assets | 0.5431% | 4,085 |
| Return on Equity (ROE) | 6.1700% | 3,771 |
| Retained earnings to average equity (ytd only) | 3.5862% | 3,588 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.1365% | 987 |
| Assets per employee ($millions) | 6.2617% | 2,529 |
| Cash dividends to net income (ytd only)* | 41.8919% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 3,772 |
| Loan loss allowance to noncurrent loans | 43.5685% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.2829% | 295 |
| Noncurrent loans to loans | 2.1313% | 274 |
| Net loans and leases to total assets | 59.6400% | 2,544 |
| Net loans and leases to deposits | 66.5087% | 2,677 |
| Net loans and leases to core deposits | 70.3451% | 2,619 |
| Total domestic deposits to total assets | 89.6700% | 1,801 |
| Equity capital to assets | 7.5220% | 3,211 |
| Core capital (leverage) ratio | 9.2785% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6654% | 1,243 |
| Memoranda: | ||
| Average total assets | $90,838,250 | 4,031 |
| Average earning assets | $82,297,000 | 4,044 |
| Average equity | $7,993,500 | 4,134 |
| Average total loans | $51,224,250 | 3,892 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 2,602 |
| Cost of funding earning assets | 0.1616% | 3,426 |
| Net interest margin | 3.1805% | 2,254 |
| Noninterest income to average assets | 0.2049% | 3,966 |
| Noninterest expense to average assets | 2.7102% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3875% | 4,130 |
| Return on assets (ROA) | 0.3875% | 4,081 |
| Pretax return on assets | 0.3875% | 4,179 |
| Return on Equity (ROE) | 4.1913% | 3,988 |
| Retained earnings to average equity (ytd only) | 2.4569% | 3,625 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1646% | 862 |
| Assets per employee ($millions) | 5.9275% | 2,811 |
| Cash dividends to net income (ytd only)* | 41.3793% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 3,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.3940% | 2,395 |
| Net loans and leases to deposits | 65.0878% | 2,631 |
| Net loans and leases to core deposits | 67.6639% | 2,684 |
| Total domestic deposits to total assets | 91.2521% | 1,128 |
| Equity capital to assets | 8.5904% | 2,696 |
| Core capital (leverage) ratio | 9.5133% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3333% | 1,113 |
| Memoranda: | ||
| Average total assets | $89,809,333 | 4,083 |
| Average earning assets | $81,686,333 | 4,101 |
| Average equity | $8,303,000 | 4,168 |
| Average total loans | $49,453,000 | 3,968 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1526% | 2,818 |
| Cost of funding earning assets | 0.1675% | 3,254 |
| Net interest margin | 2.9851% | 2,546 |
| Noninterest income to average assets | 0.1906% | 4,022 |
| Noninterest expense to average assets | 2.6059% | 1,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2703% | 4,197 |
| Return on assets (ROA) | 0.2703% | 4,166 |
| Pretax return on assets | 0.2703% | 4,229 |
| Return on Equity (ROE) | 2.8255% | 4,136 |
| Retained earnings to average equity (ytd only) | 2.8255% | 3,327 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8213% | 865 |
| Assets per employee ($millions) | 4.9853% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.0708% | 2,751 |
| Net loans and leases to deposits | 59.5189% | 2,951 |
| Net loans and leases to core deposits | 62.0862% | 2,967 |
| Total domestic deposits to total assets | 90.8465% | 1,109 |
| Equity capital to assets | 8.9830% | 2,725 |
| Core capital (leverage) ratio | 9.2402% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1837% | 1,020 |
| Memoranda: | ||
| Average total assets | $90,257,500 | 4,100 |
| Average earning assets | $81,204,000 | 4,126 |
| Average equity | $8,635,500 | 4,192 |
| Average total loans | $47,516,500 | 4,017 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8872% | 1,648 |
| Cost of funding earning assets | 0.1905% | 3,554 |
| Net interest margin | 3.6968% | 1,225 |
| Noninterest income to average assets | 0.2036% | 4,147 |
| Noninterest expense to average assets | 2.4588% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0371% | 2,529 |
| Return on assets (ROA) | 1.0371% | 2,599 |
| Pretax return on assets | 1.0371% | 3,162 |
| Return on Equity (ROE) | 9.9657% | 2,533 |
| Retained earnings to average equity (ytd only) | 5.0426% | 2,770 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6069% | 2,460 |
| Assets per employee ($millions) | 4.3228% | 4,257 |
| Cash dividends to net income (ytd only)* | 49.4002% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 50.0975% | 3,260 |
| Net loans and leases to deposits | 55.8609% | 3,431 |
| Net loans and leases to core deposits | 58.0106% | 3,473 |
| Total domestic deposits to total assets | 89.6826% | 1,123 |
| Equity capital to assets | 10.1455% | 2,523 |
| Core capital (leverage) ratio | 9.1584% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,418,000 | 4,111 |
| Average earning assets | $78,744,800 | 4,143 |
| Average equity | $9,201,600 | 4,224 |
| Average total loans | $49,856,000 | 3,998 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 1,249 |
| Cost of funding earning assets | 0.1977% | 3,624 |
| Net interest margin | 3.9271% | 891 |
| Noninterest income to average assets | 0.1655% | 4,376 |
| Noninterest expense to average assets | 2.3864% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2767% | 1,897 |
| Return on assets (ROA) | 1.2767% | 1,955 |
| Pretax return on assets | 1.2767% | 2,685 |
| Return on Equity (ROE) | 12.1888% | 1,984 |
| Retained earnings to average equity (ytd only) | 6.7973% | 2,495 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6353% | 3,038 |
| Assets per employee ($millions) | 3.9366% | 4,486 |
| Cash dividends to net income (ytd only)* | 44.2331% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,337 |
| Loan loss allowance to noncurrent loans | 51,700.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,286 |
| Noncurrent loans to loans | 0.0022% | 4,209 |
| Net loans and leases to total assets | 50.3070% | 3,374 |
| Net loans and leases to deposits | 56.2688% | 3,556 |
| Net loans and leases to core deposits | 58.2557% | 3,606 |
| Total domestic deposits to total assets | 89.4049% | 1,071 |
| Equity capital to assets | 10.3444% | 2,573 |
| Core capital (leverage) ratio | 9.1167% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0831% | 1,335 |
| Memoranda: | ||
| Average total assets | $87,827,750 | 4,170 |
| Average earning assets | $78,223,000 | 4,203 |
| Average equity | $9,199,500 | 4,281 |
| Average total loans | $50,821,250 | 4,035 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 1,190 |
| Cost of funding earning assets | 0.2042% | 3,707 |
| Net interest margin | 3.9943% | 831 |
| Noninterest income to average assets | 0.1450% | 4,472 |
| Noninterest expense to average assets | 2.3837% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3621% | 1,673 |
| Return on assets (ROA) | 1.3621% | 1,751 |
| Pretax return on assets | 1.3621% | 2,433 |
| Return on Equity (ROE) | 12.9484% | 1,735 |
| Retained earnings to average equity (ytd only) | 7.5241% | 2,241 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2310% | 3,253 |
| Assets per employee ($millions) | 4.8544% | 3,783 |
| Cash dividends to net income (ytd only)* | 41.8919% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,700 |
| Loan loss allowance to noncurrent loans | 364.0845% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 3,177 |
| Noncurrent loans to loans | 0.2840% | 2,918 |
| Net loans and leases to total assets | 56.6217% | 2,828 |
| Net loans and leases to deposits | 63.5505% | 3,047 |
| Net loans and leases to core deposits | 66.1028% | 3,102 |
| Total domestic deposits to total assets | 89.0970% | 1,231 |
| Equity capital to assets | 10.5940% | 2,320 |
| Core capital (leverage) ratio | 9.2298% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,923,000 | 4,204 |
| Average earning assets | $78,362,000 | 4,229 |
| Average equity | $9,144,000 | 4,311 |
| Average total loans | $52,406,333 | 4,036 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 940 |
| Cost of funding earning assets | 0.2206% | 3,721 |
| Net interest margin | 4.1511% | 662 |
| Noninterest income to average assets | 0.1384% | 4,515 |
| Noninterest expense to average assets | 2.2562% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6149% | 1,102 |
| Return on assets (ROA) | 1.6149% | 1,153 |
| Pretax return on assets | 1.6149% | 1,681 |
| Return on Equity (ROE) | 15.4058% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.9477% | 1,657 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0393% | 3,907 |
| Assets per employee ($millions) | 5.1979% | 3,433 |
| Cash dividends to net income (ytd only)* | 35.4286% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 3,924 |
| Loan loss allowance to noncurrent loans | 7,385.7143% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,330 |
| Noncurrent loans to loans | 0.0133% | 4,242 |
| Net loans and leases to total assets | 59.1807% | 2,650 |
| Net loans and leases to deposits | 66.2046% | 2,901 |
| Net loans and leases to core deposits | 68.6106% | 3,009 |
| Total domestic deposits to total assets | 89.3906% | 1,129 |
| Equity capital to assets | 10.2959% | 2,438 |
| Core capital (leverage) ratio | 8.9606% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8495% | 1,620 |
| Memoranda: | ||
| Average total assets | $86,694,500 | 4,227 |
| Average earning assets | $77,954,500 | 4,250 |
| Average equity | $9,087,500 | 4,323 |
| Average total loans | $53,613,000 | 4,028 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 925 |
| Cost of funding earning assets | 0.3303% | 3,974 |
| Net interest margin | 4.3532% | 453 |
| Noninterest income to average assets | 0.2298% | 4,125 |
| Noninterest expense to average assets | 3.0376% | 1,357 |
| Loan and lease loss provision to assets | 0.0049% | 4,286 |
| Net operating income to assets | 1.0945% | 1,947 |
| Return on assets (ROA) | 1.0945% | 2,067 |
| Pretax return on assets | 1.0945% | 2,717 |
| Return on Equity (ROE) | 10.0326% | 1,997 |
| Retained earnings to average equity (ytd only) | 5.0050% | 2,266 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1397% | 2,222 |
| Assets per employee ($millions) | 5.0014% | 3,391 |
| Cash dividends to net income (ytd only)* | 50.1129% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 4,041 |
| Loan loss allowance to noncurrent loans | 7,385.7143% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,401 |
| Noncurrent loans to loans | 0.0129% | 4,321 |
| Net loans and leases to total assets | 63.3903% | 2,443 |
| Net loans and leases to deposits | 71.1709% | 2,768 |
| Net loans and leases to core deposits | 74.9402% | 2,823 |
| Total domestic deposits to total assets | 89.0678% | 956 |
| Equity capital to assets | 10.6758% | 2,540 |
| Core capital (leverage) ratio | 8.9264% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,952,400 | 4,230 |
| Average earning assets | $72,659,000 | 4,259 |
| Average equity | $8,831,200 | 4,336 |
| Average total loans | $57,777,600 | 3,955 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 1,063 |
| Cost of funding earning assets | 0.3550% | 4,030 |
| Net interest margin | 4.3455% | 536 |
| Noninterest income to average assets | 0.2035% | 4,254 |
| Noninterest expense to average assets | 2.8856% | 1,737 |
| Loan and lease loss provision to assets | 0.0063% | 4,203 |
| Net operating income to assets | 1.2310% | 1,548 |
| Return on assets (ROA) | 1.2310% | 1,669 |
| Pretax return on assets | 1.2310% | 2,285 |
| Return on Equity (ROE) | 11.2201% | 1,615 |
| Retained earnings to average equity (ytd only) | 6.1574% | 2,038 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6036% | 2,646 |
| Assets per employee ($millions) | 4.9538% | 3,306 |
| Cash dividends to net income (ytd only)* | 45.1220% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.6812% | 2,003 |
| Net loans and leases to deposits | 78.4278% | 2,494 |
| Net loans and leases to core deposits | 82.3364% | 2,639 |
| Total domestic deposits to total assets | 88.8476% | 841 |
| Equity capital to assets | 10.6988% | 2,623 |
| Core capital (leverage) ratio | 9.1331% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7038% | 1,925 |
| Memoranda: | ||
| Average total assets | $79,934,500 | 4,253 |
| Average earning assets | $72,104,250 | 4,274 |
| Average equity | $8,769,750 | 4,357 |
| Average total loans | $58,618,500 | 3,966 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7868% | 1,202 |
| Cost of funding earning assets | 0.3890% | 4,082 |
| Net interest margin | 4.3977% | 620 |
| Noninterest income to average assets | 0.1656% | 4,466 |
| Noninterest expense to average assets | 3.0570% | 1,445 |
| Loan and lease loss provision to assets | 0.0102% | 4,084 |
| Net operating income to assets | 1.0725% | 2,063 |
| Return on assets (ROA) | 1.0725% | 2,192 |
| Pretax return on assets | 1.0725% | 2,800 |
| Return on Equity (ROE) | 9.6897% | 2,080 |
| Retained earnings to average equity (ytd only) | 4.5802% | 2,663 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4308% | 2,182 |
| Assets per employee ($millions) | 5.2951% | 2,843 |
| Cash dividends to net income (ytd only)* | 52.7316% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 4,175 |
| Loan loss allowance to noncurrent loans | 262.4365% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 3,394 |
| Noncurrent loans to loans | 0.3256% | 3,221 |
| Net loans and leases to total assets | 70.8057% | 1,907 |
| Net loans and leases to deposits | 79.4333% | 2,500 |
| Net loans and leases to core deposits | 84.6463% | 2,562 |
| Total domestic deposits to total assets | 89.1386% | 697 |
| Equity capital to assets | 10.4176% | 2,823 |
| Core capital (leverage) ratio | 8.9110% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8561% | 2,242 |
| Memoranda: | ||
| Average total assets | $78,507,667 | 4,273 |
| Average earning assets | $70,945,667 | 4,290 |
| Average equity | $8,689,667 | 4,377 |
| Average total loans | $58,425,000 | 3,972 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 847 |
| Cost of funding earning assets | 0.4191% | 4,292 |
| Net interest margin | 4.6513% | 375 |
| Noninterest income to average assets | 0.1804% | 4,461 |
| Noninterest expense to average assets | 3.4536% | 1,006 |
| Loan and lease loss provision to assets | 0.0212% | 3,537 |
| Net operating income to assets | 0.9443% | 2,363 |
| Return on assets (ROA) | 0.9443% | 2,469 |
| Pretax return on assets | 0.9443% | 3,019 |
| Return on Equity (ROE) | 8.2584% | 2,403 |
| Retained earnings to average equity (ytd only) | 3.1085% | 3,037 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8691% | 1,957 |
| Assets per employee ($millions) | 4.3722% | 3,443 |
| Cash dividends to net income (ytd only)* | 62.3596% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 4,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.6266% | 1,195 |
| Net loans and leases to deposits | 86.9104% | 1,885 |
| Net loans and leases to core deposits | 94.1592% | 1,961 |
| Total domestic deposits to total assets | 88.1673% | 1,033 |
| Equity capital to assets | 11.6901% | 2,294 |
| Core capital (leverage) ratio | 9.6061% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5996% | 2,040 |
| Memoranda: | ||
| Average total assets | $75,400,500 | 4,322 |
| Average earning assets | $68,712,500 | 4,339 |
| Average equity | $8,621,500 | 4,402 |
| Average total loans | $57,385,000 | 4,001 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 908 |
| Cost of funding earning assets | 0.3643% | 4,556 |
| Net interest margin | 4.8827% | 340 |
| Noninterest income to average assets | 0.2372% | 4,256 |
| Noninterest expense to average assets | 3.3345% | 1,237 |
| Loan and lease loss provision to assets | 0.0352% | 3,303 |
| Net operating income to assets | 1.3189% | 1,620 |
| Return on assets (ROA) | 1.3189% | 1,702 |
| Pretax return on assets | 1.3189% | 2,445 |
| Return on Equity (ROE) | 11.6318% | 1,645 |
| Retained earnings to average equity (ytd only) | 4.1961% | 2,861 |
| Net charge-offs to loans | -0.0170% | 4,595 |
| Credit loss provision to net charge-offs | -288.8889% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0017% | 2,769 |
| Assets per employee ($millions) | 4.2485% | 3,581 |
| Cash dividends to net income (ytd only)* | 63.9260% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 3,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.2550% | 1,712 |
| Net loans and leases to deposits | 83.7129% | 2,363 |
| Net loans and leases to core deposits | 90.9317% | 2,328 |
| Total domestic deposits to total assets | 88.7019% | 792 |
| Equity capital to assets | 11.1856% | 2,825 |
| Core capital (leverage) ratio | 8.8737% | 4,621 |
| Tier 1 risk-based capital ratio | 13.1148% | 3,735 |
| Total risk-based capital ratio | 14.0807% | 3,769 |
| Memoranda: | ||
| Average total assets | $73,774,600 | 4,369 |
| Average earning assets | $67,258,200 | 4,386 |
| Average equity | $8,365,000 | 4,464 |
| Average total loans | $52,830,600 | 4,127 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 1,069 |
| Cost of funding earning assets | 0.3483% | 4,663 |
| Net interest margin | 4.8379% | 386 |
| Noninterest income to average assets | 0.2207% | 4,409 |
| Noninterest expense to average assets | 3.2612% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3680% | 1,582 |
| Return on assets (ROA) | 1.3680% | 1,648 |
| Pretax return on assets | 1.3680% | 2,428 |
| Return on Equity (ROE) | 12.0222% | 1,610 |
| Retained earnings to average equity (ytd only) | 4.4563% | 3,165 |
| Net charge-offs to loans | -0.0232% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2088% | 2,824 |
| Assets per employee ($millions) | 3.9218% | 4,000 |
| Cash dividends to net income (ytd only)* | 62.9333% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 4,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.5986% | 1,899 |
| Net loans and leases to deposits | 83.2327% | 2,540 |
| Net loans and leases to core deposits | 89.9890% | 2,548 |
| Total domestic deposits to total assets | 88.4251% | 856 |
| Equity capital to assets | 11.3789% | 2,763 |
| Core capital (leverage) ratio | 9.4163% | 4,265 |
| Tier 1 risk-based capital ratio | 13.4599% | 3,596 |
| Total risk-based capital ratio | 14.4171% | 3,663 |
| Memoranda: | ||
| Average total assets | $73,100,000 | 4,440 |
| Average earning assets | $66,611,500 | 4,448 |
| Average equity | $8,317,750 | 4,522 |
| Average total loans | $51,713,750 | 4,196 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 1,223 |
| Cost of funding earning assets | 0.3172% | 4,779 |
| Net interest margin | 4.7817% | 421 |
| Noninterest income to average assets | 0.2038% | 4,529 |
| Noninterest expense to average assets | 3.2770% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2860% | 1,827 |
| Return on assets (ROA) | 1.2860% | 1,887 |
| Pretax return on assets | 1.2860% | 2,611 |
| Return on Equity (ROE) | 11.3020% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.0668% | 1,775 |
| Net charge-offs to loans | -0.0317% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5057% | 2,750 |
| Assets per employee ($millions) | 3.9168% | 3,977 |
| Cash dividends to net income (ytd only)* | 37.4732% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 3,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 68.7338% | 2,719 |
| Net loans and leases to deposits | 77.7064% | 3,171 |
| Net loans and leases to core deposits | 83.0468% | 3,193 |
| Total domestic deposits to total assets | 88.4532% | 896 |
| Equity capital to assets | 11.4030% | 2,699 |
| Core capital (leverage) ratio | 9.7714% | 3,859 |
| Tier 1 risk-based capital ratio | 14.6012% | 3,017 |
| Total risk-based capital ratio | 15.6421% | 3,039 |
| Memoranda: | ||
| Average total assets | $72,628,330 | 4,478 |
| Average earning assets | $66,210,670 | 4,491 |
| Average equity | $8,264,000 | 4,548 |
| Average total loans | $50,508,670 | 4,245 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1119% | 1,079 |
| Cost of funding earning assets | 0.2996% | 4,850 |
| Net interest margin | 4.8123% | 398 |
| Noninterest income to average assets | 0.1952% | 4,591 |
| Noninterest expense to average assets | 3.2900% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2937% | 1,715 |
| Return on assets (ROA) | 1.2937% | 1,757 |
| Pretax return on assets | 1.2937% | 2,478 |
| Return on Equity (ROE) | 11.3823% | 1,788 |
| Retained earnings to average equity (ytd only) | 2.7965% | 3,823 |
| Net charge-offs to loans | -0.0641% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4234% | 2,879 |
| Assets per employee ($millions) | 3.7638% | 4,250 |
| Cash dividends to net income (ytd only)* | 75.4310% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 69.5226% | 2,552 |
| Net loans and leases to deposits | 78.6699% | 2,987 |
| Net loans and leases to core deposits | 82.1049% | 3,177 |
| Total domestic deposits to total assets | 88.3726% | 1,145 |
| Equity capital to assets | 11.4848% | 2,412 |
| Core capital (leverage) ratio | 9.4773% | 4,159 |
| Tier 1 risk-based capital ratio | 14.7061% | 2,997 |
| Total risk-based capital ratio | 15.7994% | 3,008 |
| Memoranda: | ||
| Average total assets | $71,733,000 | 4,539 |
| Average earning assets | $65,416,000 | 4,553 |
| Average equity | $8,153,000 | 4,599 |
| Average total loans | $49,944,500 | 4,301 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6379% | 5,326 |
| Cost of funding earning assets | 0.1409% | 5,201 |
| Net interest margin | 2.4971% | 5,216 |
| Noninterest income to average assets | 1.5924% | 376 |
| Noninterest expense to average assets | 1.7247% | 5,066 |
| Loan and lease loss provision to assets | 0.7062% | 143 |
| Net operating income to assets | 1.4541% | 1,259 |
| Return on assets (ROA) | 1.4541% | 1,251 |
| Pretax return on assets | 1.4541% | 1,938 |
| Return on Equity (ROE) | 15.6360% | 699 |
| Retained earnings to average equity (ytd only) | 15.6360% | 93 |
| Net charge-offs to loans | -0.0062% | 4,394 |
| Credit loss provision to net charge-offs | -15,833.3333% | 4,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0256% | 5,263 |
| Assets per employee ($millions) | 4.2326% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.3881% | 2,824 |
| Net loans and leases to deposits | 77.1140% | 3,269 |
| Net loans and leases to core deposits | 80.1094% | 3,421 |
| Total domestic deposits to total assets | 88.6844% | 987 |
| Equity capital to assets | 11.2475% | 2,470 |
| Core capital (leverage) ratio | 9.3026% | 4,353 |
| Tier 1 risk-based capital ratio | 14.4854% | 3,068 |
| Total risk-based capital ratio | 15.5612% | 3,077 |
| Memoranda: | ||
| Average total assets | $67,259,000 | 4,629 |
| Average earning assets | $61,752,800 | 4,634 |
| Average equity | $6,254,800 | 4,856 |
| Average total loans | $48,413,600 | 4,342 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7295% | 5,454 |
| Cost of funding earning assets | 0.0965% | 5,360 |
| Net interest margin | 1.6331% | 5,443 |
| Noninterest income to average assets | 2.0276% | 269 |
| Noninterest expense to average assets | 1.1480% | 5,402 |
| Loan and lease loss provision to assets | 0.9583% | 89 |
| Net operating income to assets | 1.4244% | 1,404 |
| Return on assets (ROA) | 1.4244% | 1,405 |
| Pretax return on assets | 1.4244% | 2,138 |
| Return on Equity (ROE) | 16.2428% | 657 |
| Retained earnings to average equity (ytd only) | 16.2428% | 127 |
| Net charge-offs to loans | -0.0111% | 4,431 |
| Credit loss provision to net charge-offs | -11,875.0000% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.0000% | 5,433 |
| Assets per employee ($millions) | 3.6954% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,877 |
| Loan loss allowance to noncurrent loans | 2,661.1111% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 4,726 |
| Noncurrent loans to loans | 0.0369% | 4,728 |
| Net loans and leases to total assets | 68.7447% | 2,832 |
| Net loans and leases to deposits | 77.4689% | 3,283 |
| Net loans and leases to core deposits | 80.3486% | 3,467 |
| Total domestic deposits to total assets | 88.7384% | 941 |
| Equity capital to assets | 11.0978% | 2,578 |
| Core capital (leverage) ratio | 8.7785% | 4,897 |
| Tier 1 risk-based capital ratio | 14.1722% | 3,286 |
| Total risk-based capital ratio | 15.2815% | 3,263 |
| Memoranda: | ||
| Average total assets | $66,085,250 | 4,699 |
| Average earning assets | $60,824,750 | 4,704 |
| Average equity | $5,795,250 | 4,977 |
| Average total loans | $48,095,500 | 4,398 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,698 |
| Cost of funding earning assets | 0.2572% | 4,713 |
| Net interest margin | 4.3716% | 903 |
| Noninterest income to average assets | 0.1824% | 4,918 |
| Noninterest expense to average assets | 3.7274% | 731 |
| Loan and lease loss provision to assets | 0.0865% | 2,183 |
| Net operating income to assets | 0.4142% | 4,932 |
| Return on assets (ROA) | 0.4142% | 4,935 |
| Pretax return on assets | 0.4142% | 5,028 |
| Return on Equity (ROE) | 5.2245% | 4,487 |
| Retained earnings to average equity (ytd only) | -3.3530% | 5,230 |
| Net charge-offs to loans | 0.2130% | 743 |
| Credit loss provision to net charge-offs | 54.9020% | 2,462 |
| Earnings coverage of net charge-offs (x) | 3.1765% | 2,902 |
| Efficiency ratio | 88.1579% | 455 |
| Assets per employee ($millions) | 3.6122% | 4,455 |
| Cash dividends to net income (ytd only)* | 164.1791% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,420 |
| Loan loss allowance to noncurrent loans | 1,447.2222% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 4,610 |
| Noncurrent loans to loans | 0.0741% | 4,589 |
| Net loans and leases to total assets | 73.9311% | 1,956 |
| Net loans and leases to deposits | 80.3389% | 2,912 |
| Net loans and leases to core deposits | 83.5317% | 3,118 |
| Total domestic deposits to total assets | 92.0240% | 88 |
| Equity capital to assets | 7.8391% | 5,285 |
| Core capital (leverage) ratio | 7.9500% | 5,363 |
| Tier 1 risk-based capital ratio | 12.3654% | 4,264 |
| Total risk-based capital ratio | 13.6152% | 4,154 |
| Memoranda: | ||
| Average total assets | $64,709,670 | 4,782 |
| Average earning assets | $59,886,000 | 4,769 |
| Average equity | $5,129,670 | 5,144 |
| Average total loans | $47,878,670 | 4,442 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 1,862 |
| Cost of funding earning assets | 0.2545% | 4,681 |
| Net interest margin | 4.2454% | 1,062 |
| Noninterest income to average assets | 0.2355% | 4,600 |
| Noninterest expense to average assets | 3.3336% | 1,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8303% | 3,593 |
| Return on assets (ROA) | 0.8303% | 3,603 |
| Pretax return on assets | 0.8303% | 4,083 |
| Return on Equity (ROE) | 10.4159% | 2,220 |
| Retained earnings to average equity (ytd only) | -6.6848% | 5,275 |
| Net charge-offs to loans | 0.2188% | 684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.1538% | 2,255 |
| Efficiency ratio | 80.0595% | 1,133 |
| Assets per employee ($millions) | 3.5973% | 4,538 |
| Cash dividends to net income (ytd only)* | 164.1791% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,907 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.9630% | 2,034 |
| Net loans and leases to deposits | 79.4421% | 2,874 |
| Net loans and leases to core deposits | 82.6482% | 3,092 |
| Total domestic deposits to total assets | 91.8443% | 128 |
| Equity capital to assets | 7.8685% | 5,303 |
| Core capital (leverage) ratio | 7.9784% | 5,398 |
| Tier 1 risk-based capital ratio | 12.5990% | 4,179 |
| Total risk-based capital ratio | 13.8477% | 4,083 |
| Memoranda: | ||
| Average total assets | $64,554,500 | 4,837 |
| Average earning assets | $59,735,500 | 4,834 |
| Average equity | $5,146,000 | 5,197 |
| Average total loans | $47,522,500 | 4,499 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4258% | 1,956 |
| Cost of funding earning assets | 0.2514% | 4,546 |
| Net interest margin | 4.1745% | 1,243 |
| Noninterest income to average assets | 0.2223% | 4,817 |
| Noninterest expense to average assets | 3.2863% | 1,405 |
| Loan and lease loss provision to assets | -0.0172% | 5,326 |
| Net operating income to assets | 0.8016% | 3,149 |
| Return on assets (ROA) | 0.8016% | 3,193 |
| Pretax return on assets | 0.8016% | 4,235 |
| Return on Equity (ROE) | 10.3644% | 1,743 |
| Retained earnings to average equity (ytd only) | 10.3644% | 306 |
| Net charge-offs to loans | 0.0107% | 3,715 |
| Credit loss provision to net charge-offs | -220.0000% | 4,815 |
| Earnings coverage of net charge-offs (x) | 100.2000% | 643 |
| Efficiency ratio | 80.7308% | 1,040 |
| Assets per employee ($millions) | 3.7857% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 3,926 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 72.6230% | 2,148 |
| Net loans and leases to deposits | 79.1780% | 3,008 |
| Net loans and leases to core deposits | 82.0282% | 3,241 |
| Total domestic deposits to total assets | 91.7212% | 108 |
| Equity capital to assets | 8.0753% | 5,364 |
| Core capital (leverage) ratio | 8.0632% | 5,418 |
| Tier 1 risk-based capital ratio | 12.8671% | 3,994 |
| Total risk-based capital ratio | 14.1164% | 3,887 |
| Memoranda: | ||
| Average total assets | $63,870,600 | 4,881 |
| Average earning assets | $58,881,400 | 4,881 |
| Average equity | $4,940,000 | 5,280 |
| Average total loans | $46,543,600 | 4,552 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 1,946 |
| Cost of funding earning assets | 0.2538% | 4,534 |
| Net interest margin | 4.1515% | 1,275 |
| Noninterest income to average assets | 0.2384% | 4,779 |
| Noninterest expense to average assets | 3.2272% | 1,501 |
| Loan and lease loss provision to assets | 0.0188% | 3,766 |
| Net operating income to assets | 0.8240% | 3,418 |
| Return on assets (ROA) | 0.8240% | 3,452 |
| Pretax return on assets | 0.8240% | 4,290 |
| Return on Equity (ROE) | 10.7741% | 1,787 |
| Retained earnings to average equity (ytd only) | 10.7741% | 446 |
| Net charge-offs to loans | 0.0259% | 2,924 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 44.7767% | 1,207 |
| Efficiency ratio | 79.2909% | 1,179 |
| Assets per employee ($millions) | 3.3830% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 3,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 3,981 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 72.7476% | 2,139 |
| Net loans and leases to deposits | 79.1027% | 3,057 |
| Net loans and leases to core deposits | 82.3022% | 3,258 |
| Total domestic deposits to total assets | 91.9660% | 61 |
| Equity capital to assets | 7.9282% | 5,537 |
| Core capital (leverage) ratio | 8.0924% | 5,480 |
| Tier 1 risk-based capital ratio | 12.6867% | 4,216 |
| Total risk-based capital ratio | 13.9367% | 4,108 |
| Memoranda: | ||
| Average total assets | $63,749,000 | 4,938 |
| Average earning assets | $58,837,500 | 4,937 |
| Average equity | $4,875,750 | 5,350 |
| Average total loans | $46,359,000 | 4,598 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,013 |
| Cost of funding earning assets | 0.2561% | 4,489 |
| Net interest margin | 4.0808% | 1,379 |
| Noninterest income to average assets | 0.2863% | 4,506 |
| Noninterest expense to average assets | 3.3033% | 1,367 |
| Loan and lease loss provision to assets | 0.0252% | 3,497 |
| Net operating income to assets | 0.7173% | 3,761 |
| Return on assets (ROA) | 0.7173% | 3,832 |
| Pretax return on assets | 0.7173% | 4,505 |
| Return on Equity (ROE) | 9.4954% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.4954% | 711 |
| Net charge-offs to loans | 0.0348% | 2,494 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,478 |
| Efficiency ratio | 81.6485% | 1,039 |
| Assets per employee ($millions) | 3.2851% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,982 |
| Loan loss allowance to noncurrent loans | 6,222.2222% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 3,873 |
| Noncurrent loans to loans | 0.0194% | 5,091 |
| Net loans and leases to total assets | 73.5517% | 1,950 |
| Net loans and leases to deposits | 79.9331% | 2,914 |
| Net loans and leases to core deposits | 82.6174% | 3,201 |
| Total domestic deposits to total assets | 92.0165% | 67 |
| Equity capital to assets | 7.8922% | 5,577 |
| Core capital (leverage) ratio | 7.9411% | 5,558 |
| Tier 1 risk-based capital ratio | 12.6359% | 4,223 |
| Total risk-based capital ratio | 13.8873% | 4,135 |
| Memoranda: | ||
| Average total assets | $63,573,000 | 4,982 |
| Average earning assets | $58,566,330 | 4,982 |
| Average equity | $4,802,330 | 5,404 |
| Average total loans | $46,038,670 | 4,636 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 2,090 |
| Cost of funding earning assets | 0.2585% | 4,468 |
| Net interest margin | 3.9936% | 1,490 |
| Noninterest income to average assets | 0.2931% | 4,459 |
| Noninterest expense to average assets | 3.2423% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7108% | 3,658 |
| Return on assets (ROA) | 0.7108% | 3,699 |
| Pretax return on assets | 0.7108% | 4,417 |
| Return on Equity (ROE) | 9.6192% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.6192% | 899 |
| Net charge-offs to loans | -0.0175% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0189% | 1,157 |
| Assets per employee ($millions) | 3.2663% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,939 |
| Loan loss allowance to noncurrent loans | 1,124.0000% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 3,070 |
| Noncurrent loans to loans | 0.1094% | 4,755 |
| Net loans and leases to total assets | 72.7183% | 1,960 |
| Net loans and leases to deposits | 78.9383% | 2,868 |
| Net loans and leases to core deposits | 81.6356% | 3,125 |
| Total domestic deposits to total assets | 92.1205% | 91 |
| Equity capital to assets | 7.7409% | 5,617 |
| Core capital (leverage) ratio | 7.6782% | 5,668 |
| Tier 1 risk-based capital ratio | 12.4800% | 4,403 |
| Total risk-based capital ratio | 13.7318% | 4,305 |
| Memoranda: | ||
| Average total assets | $64,151,500 | 5,032 |
| Average earning assets | $58,794,500 | 5,030 |
| Average equity | $4,740,500 | 5,470 |
| Average total loans | $45,824,000 | 4,682 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3829% | 1,872 |
| Cost of funding earning assets | 0.2900% | 4,173 |
| Net interest margin | 4.0930% | 1,392 |
| Noninterest income to average assets | 0.2745% | 4,775 |
| Noninterest expense to average assets | 3.4293% | 1,294 |
| Loan and lease loss provision to assets | 0.4646% | 302 |
| Net operating income to assets | 0.1641% | 5,469 |
| Return on assets (ROA) | 0.1641% | 5,511 |
| Pretax return on assets | 0.1641% | 5,525 |
| Return on Equity (ROE) | 2.1876% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.1876% | 4,287 |
| Net charge-offs to loans | 0.5738% | 401 |
| Credit loss provision to net charge-offs | 113.9442% | 2,308 |
| Earnings coverage of net charge-offs (x) | 1.5418% | 3,972 |
| Efficiency ratio | 84.5076% | 967 |
| Assets per employee ($millions) | 3.4865% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 3,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 3,336 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.5310% | 2,698 |
| Net loans and leases to deposits | 73.8031% | 3,533 |
| Net loans and leases to core deposits | 75.5974% | 3,783 |
| Total domestic deposits to total assets | 92.8566% | 48 |
| Equity capital to assets | 7.0604% | 5,790 |
| Core capital (leverage) ratio | 7.4805% | 5,754 |
| Tier 1 risk-based capital ratio | 11.6734% | 4,942 |
| Total risk-based capital ratio | 12.9251% | 4,845 |
| Memoranda: | ||
| Average total assets | $61,557,600 | 5,103 |
| Average earning assets | $56,902,600 | 5,107 |
| Average equity | $4,617,000 | 5,535 |
| Average total loans | $43,740,400 | 4,762 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 1,928 |
| Cost of funding earning assets | 0.2969% | 4,138 |
| Net interest margin | 4.0787% | 1,447 |
| Noninterest income to average assets | 0.2760% | 4,796 |
| Noninterest expense to average assets | 3.5217% | 1,111 |
| Loan and lease loss provision to assets | 0.4968% | 252 |
| Net operating income to assets | 0.0486% | 5,681 |
| Return on assets (ROA) | 0.0486% | 5,711 |
| Pretax return on assets | 0.0486% | 5,712 |
| Return on Equity (ROE) | 0.6373% | 5,687 |
| Retained earnings to average equity (ytd only) | 0.6373% | 5,194 |
| Net charge-offs to loans | 0.5804% | 360 |
| Credit loss provision to net charge-offs | 119.6809% | 2,090 |
| Earnings coverage of net charge-offs (x) | 1.3139% | 3,708 |
| Efficiency ratio | 86.5907% | 776 |
| Assets per employee ($millions) | 3.2579% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 3,376 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.5751% | 2,248 |
| Net loans and leases to deposits | 77.4441% | 3,249 |
| Net loans and leases to core deposits | 79.8994% | 3,452 |
| Total domestic deposits to total assets | 92.4216% | 53 |
| Equity capital to assets | 7.4830% | 5,844 |
| Core capital (leverage) ratio | 7.4156% | 5,838 |
| Tier 1 risk-based capital ratio | 11.8353% | 4,897 |
| Total risk-based capital ratio | 13.0874% | 4,792 |
| Memoranda: | ||
| Average total assets | $60,386,250 | 5,179 |
| Average earning assets | $56,128,250 | 5,169 |
| Average equity | $4,602,000 | 5,595 |
| Average total loans | $43,186,250 | 4,819 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 2,246 |
| Cost of funding earning assets | 0.3017% | 4,108 |
| Net interest margin | 3.9694% | 1,743 |
| Noninterest income to average assets | 0.2438% | 5,022 |
| Noninterest expense to average assets | 3.5503% | 1,081 |
| Loan and lease loss provision to assets | 0.7014% | 159 |
| Net operating income to assets | -0.3173% | 5,883 |
| Return on assets (ROA) | -0.3173% | 5,896 |
| Pretax return on assets | -0.3173% | 5,885 |
| Return on Equity (ROE) | -4.1376% | 5,919 |
| Retained earnings to average equity (ytd only) | -4.1376% | 5,703 |
| Net charge-offs to loans | 0.8211% | 242 |
| Credit loss provision to net charge-offs | 120.0000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 0.6571% | 3,500 |
| Efficiency ratio | 90.2377% | 593 |
| Assets per employee ($millions) | 3.1975% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,852 |
| Loan loss allowance to noncurrent loans | 97.7312% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.5061% | 1,270 |
| Noncurrent loans to loans | 1.3187% | 1,710 |
| Net loans and leases to total assets | 70.5990% | 2,383 |
| Net loans and leases to deposits | 76.3688% | 3,339 |
| Net loans and leases to core deposits | 78.4429% | 3,610 |
| Total domestic deposits to total assets | 92.4448% | 56 |
| Equity capital to assets | 7.4465% | 5,922 |
| Core capital (leverage) ratio | 7.3712% | 5,904 |
| Tier 1 risk-based capital ratio | 11.8866% | 4,909 |
| Total risk-based capital ratio | 13.1371% | 4,801 |
| Memoranda: | ||
| Average total assets | $59,881,670 | 5,243 |
| Average earning assets | $55,676,330 | 5,226 |
| Average equity | $4,592,000 | 5,658 |
| Average total loans | $42,626,000 | 4,875 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 2,796 |
| Cost of funding earning assets | 0.3033% | 4,126 |
| Net interest margin | 3.8125% | 2,248 |
| Noninterest income to average assets | 0.2288% | 5,104 |
| Noninterest expense to average assets | 3.4048% | 1,372 |
| Loan and lease loss provision to assets | 0.0336% | 3,209 |
| Net operating income to assets | 0.3432% | 5,170 |
| Return on assets (ROA) | 0.3432% | 5,256 |
| Pretax return on assets | 0.3432% | 5,418 |
| Return on Equity (ROE) | 4.4099% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.4099% | 3,274 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0356% | 674 |
| Assets per employee ($millions) | 3.1522% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,237 |
| Loan loss allowance to noncurrent loans | 34.4156% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 3.1423% | 391 |
| Noncurrent loans to loans | 3.6148% | 370 |
| Net loans and leases to total assets | 70.2481% | 2,300 |
| Net loans and leases to deposits | 76.2095% | 3,198 |
| Net loans and leases to core deposits | 78.3468% | 3,465 |
| Total domestic deposits to total assets | 92.1776% | 95 |
| Equity capital to assets | 7.7640% | 5,890 |
| Core capital (leverage) ratio | 7.7703% | 5,857 |
| Tier 1 risk-based capital ratio | 12.4506% | 4,617 |
| Total risk-based capital ratio | 13.7010% | 4,521 |
| Memoranda: | ||
| Average total assets | $59,446,000 | 5,301 |
| Average earning assets | $55,396,500 | 5,287 |
| Average equity | $4,626,000 | 5,700 |
| Average total loans | $42,213,500 | 4,928 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 2,964 |
| Cost of funding earning assets | 0.2909% | 4,357 |
| Net interest margin | 3.7977% | 2,384 |
| Noninterest income to average assets | 0.2654% | 4,970 |
| Noninterest expense to average assets | 3.6151% | 1,103 |
| Loan and lease loss provision to assets | 0.1051% | 2,227 |
| Net operating income to assets | 0.0534% | 5,811 |
| Return on assets (ROA) | 0.0534% | 5,848 |
| Pretax return on assets | 0.0534% | 5,844 |
| Return on Equity (ROE) | 0.6892% | 5,814 |
| Retained earnings to average equity (ytd only) | -0.9477% | 5,650 |
| Net charge-offs to loans | 0.6064% | 397 |
| Credit loss provision to net charge-offs | 23.9544% | 3,713 |
| Earnings coverage of net charge-offs (x) | 0.3612% | 4,236 |
| Efficiency ratio | 95.7983% | 404 |
| Assets per employee ($millions) | 3.1066% | 5,406 |
| Cash dividends to net income (ytd only)* | 237.5000% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 3,514 |
| Loan loss allowance to noncurrent loans | 32.4675% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 3.1885% | 398 |
| Noncurrent loans to loans | 3.6821% | 355 |
| Net loans and leases to total assets | 70.0110% | 2,365 |
| Net loans and leases to deposits | 76.0219% | 3,250 |
| Net loans and leases to core deposits | 78.1822% | 3,527 |
| Total domestic deposits to total assets | 92.0932% | 103 |
| Equity capital to assets | 7.8374% | 5,907 |
| Core capital (leverage) ratio | 7.7503% | 5,924 |
| Tier 1 risk-based capital ratio | 12.1701% | 4,847 |
| Total risk-based capital ratio | 13.4202% | 4,750 |
| Memoranda: | ||
| Average total assets | $59,915,200 | 5,320 |
| Average earning assets | $55,349,600 | 5,313 |
| Average equity | $4,642,800 | 5,732 |
| Average total loans | $43,374,000 | 4,877 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 3,024 |
| Cost of funding earning assets | 0.2930% | 4,418 |
| Net interest margin | 3.7871% | 2,433 |
| Noninterest income to average assets | 0.3015% | 4,777 |
| Noninterest expense to average assets | 3.6072% | 1,108 |
| Loan and lease loss provision to assets | 0.0155% | 3,959 |
| Net operating income to assets | 0.1751% | 5,722 |
| Return on assets (ROA) | 0.1751% | 5,776 |
| Pretax return on assets | 0.1751% | 5,820 |
| Return on Equity (ROE) | 2.2666% | 5,616 |
| Retained earnings to average equity (ytd only) | 0.0861% | 5,572 |
| Net charge-offs to loans | 0.2498% | 1,047 |
| Credit loss provision to net charge-offs | 8.5366% | 3,462 |
| Earnings coverage of net charge-offs (x) | 1.0488% | 3,887 |
| Efficiency ratio | 94.9796% | 454 |
| Assets per employee ($millions) | 3.2363% | 5,238 |
| Cash dividends to net income (ytd only)* | 96.2024% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 2,381 |
| Loan loss allowance to noncurrent loans | 48.9812% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 2.7354% | 590 |
| Noncurrent loans to loans | 2.9538% | 605 |
| Net loans and leases to total assets | 69.2356% | 2,499 |
| Net loans and leases to deposits | 74.9802% | 3,424 |
| Net loans and leases to core deposits | 76.5977% | 3,729 |
| Total domestic deposits to total assets | 92.3386% | 75 |
| Equity capital to assets | 7.6110% | 6,058 |
| Core capital (leverage) ratio | 7.7522% | 5,996 |
| Tier 1 risk-based capital ratio | 12.1664% | 4,985 |
| Total risk-based capital ratio | 13.4189% | 4,884 |
| Memoranda: | ||
| Average total assets | $60,137,750 | 5,386 |
| Average earning assets | $55,520,000 | 5,371 |
| Average equity | $4,647,000 | 5,809 |
| Average total loans | $43,761,500 | 4,920 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 3,253 |
| Cost of funding earning assets | 0.3011% | 4,386 |
| Net interest margin | 3.7079% | 2,675 |
| Noninterest income to average assets | 0.2915% | 4,879 |
| Noninterest expense to average assets | 3.6758% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0402% | 5,948 |
| Return on assets (ROA) | 0.0402% | 5,991 |
| Pretax return on assets | 0.0402% | 5,985 |
| Return on Equity (ROE) | 0.5177% | 5,962 |
| Retained earnings to average equity (ytd only) | -2.7610% | 5,905 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9179% | 352 |
| Assets per employee ($millions) | 3.1289% | 5,429 |
| Cash dividends to net income (ytd only)* | 633.3333% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 1,874 |
| Loan loss allowance to noncurrent loans | 52.7506% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 2.9101% | 584 |
| Noncurrent loans to loans | 3.0527% | 647 |
| Net loans and leases to total assets | 71.9440% | 1,989 |
| Net loans and leases to deposits | 78.0517% | 3,022 |
| Net loans and leases to core deposits | 79.7933% | 3,414 |
| Total domestic deposits to total assets | 92.1748% | 109 |
| Equity capital to assets | 7.7411% | 6,066 |
| Core capital (leverage) ratio | 7.7406% | 6,028 |
| Tier 1 risk-based capital ratio | 11.7967% | 5,281 |
| Total risk-based capital ratio | 13.0518% | 5,185 |
| Memoranda: | ||
| Average total assets | $59,687,000 | 5,456 |
| Average earning assets | $55,125,670 | 5,435 |
| Average equity | $4,636,000 | 5,871 |
| Average total loans | $43,949,330 | 4,954 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 2,894 |
| Cost of funding earning assets | 0.3042% | 4,396 |
| Net interest margin | 3.7809% | 2,295 |
| Noninterest income to average assets | 0.2742% | 4,982 |
| Noninterest expense to average assets | 3.4645% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3010% | 5,412 |
| Return on assets (ROA) | 0.3010% | 5,513 |
| Pretax return on assets | 0.3010% | 5,651 |
| Return on Equity (ROE) | 3.8685% | 5,032 |
| Retained earnings to average equity (ytd only) | -2.6649% | 5,760 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0071% | 716 |
| Assets per employee ($millions) | 3.1698% | 5,451 |
| Cash dividends to net income (ytd only)* | 168.8889% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 2,033 |
| Loan loss allowance to noncurrent loans | 173.6973% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4994% | 1,749 |
| Noncurrent loans to loans | 0.9245% | 2,931 |
| Net loans and leases to total assets | 71.2151% | 1,942 |
| Net loans and leases to deposits | 77.2347% | 2,920 |
| Net loans and leases to core deposits | 78.9682% | 3,281 |
| Total domestic deposits to total assets | 92.2060% | 131 |
| Equity capital to assets | 7.7093% | 6,122 |
| Core capital (leverage) ratio | 7.8303% | 6,023 |
| Tier 1 risk-based capital ratio | 11.9309% | 5,281 |
| Total risk-based capital ratio | 13.1859% | 5,170 |
| Memoranda: | ||
| Average total assets | $59,806,000 | 5,506 |
| Average earning assets | $55,225,000 | 5,484 |
| Average equity | $4,653,000 | 5,918 |
| Average total loans | $44,189,000 | 4,979 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,853 |
| Cost of funding earning assets | 0.3373% | 4,397 |
| Net interest margin | 4.1648% | 1,397 |
| Noninterest income to average assets | 0.1447% | 5,970 |
| Noninterest expense to average assets | 3.5315% | 1,417 |
| Loan and lease loss provision to assets | 0.0930% | 2,606 |
| Net operating income to assets | 0.3704% | 5,325 |
| Return on assets (ROA) | 0.3704% | 5,393 |
| Pretax return on assets | 0.3704% | 5,559 |
| Return on Equity (ROE) | 4.7296% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.7296% | 2,810 |
| Net charge-offs to loans | 0.2371% | 1,781 |
| Credit loss provision to net charge-offs | 51.9231% | 3,445 |
| Earnings coverage of net charge-offs (x) | 2.5865% | 4,113 |
| Efficiency ratio | 88.4002% | 959 |
| Assets per employee ($millions) | 2.9693% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 2,220 |
| Loan loss allowance to noncurrent loans | 173.6973% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.4734% | 1,866 |
| Noncurrent loans to loans | 0.8998% | 3,066 |
| Net loans and leases to total assets | 74.2397% | 1,547 |
| Net loans and leases to deposits | 80.6262% | 2,654 |
| Net loans and leases to core deposits | 82.4583% | 3,051 |
| Total domestic deposits to total assets | 92.0789% | 140 |
| Equity capital to assets | 7.8520% | 6,125 |
| Core capital (leverage) ratio | 7.8923% | 6,059 |
| Tier 1 risk-based capital ratio | 11.8124% | 5,484 |
| Total risk-based capital ratio | 13.0696% | 5,390 |
| Memoranda: | ||
| Average total assets | $58,048,800 | 5,599 |
| Average earning assets | $53,664,200 | 5,576 |
| Average equity | $4,545,800 | 5,977 |
| Average total loans | $43,855,800 | 5,041 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 1,844 |
| Cost of funding earning assets | 0.3474% | 4,365 |
| Net interest margin | 4.1590% | 1,403 |
| Noninterest income to average assets | 0.2587% | 5,370 |
| Noninterest expense to average assets | 3.6293% | 1,242 |
| Loan and lease loss provision to assets | 0.1155% | 2,123 |
| Net operating income to assets | 0.3581% | 5,404 |
| Return on assets (ROA) | 0.3581% | 5,481 |
| Pretax return on assets | 0.3581% | 5,661 |
| Return on Equity (ROE) | 4.5757% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.5757% | 3,385 |
| Net charge-offs to loans | 0.3056% | 1,298 |
| Credit loss provision to net charge-offs | 50.0000% | 3,096 |
| Earnings coverage of net charge-offs (x) | 2.0500% | 4,006 |
| Efficiency ratio | 88.4572% | 963 |
| Assets per employee ($millions) | 2.8803% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 2,286 |
| Loan loss allowance to noncurrent loans | 178.5714% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 1,530 |
| Noncurrent loans to loans | 0.8992% | 3,316 |
| Net loans and leases to total assets | 74.4645% | 1,447 |
| Net loans and leases to deposits | 81.0000% | 2,549 |
| Net loans and leases to core deposits | 82.2834% | 3,074 |
| Total domestic deposits to total assets | 91.9314% | 165 |
| Equity capital to assets | 7.9853% | 6,141 |
| Core capital (leverage) ratio | 8.1044% | 6,005 |
| Tier 1 risk-based capital ratio | 11.8056% | 5,610 |
| Total risk-based capital ratio | 13.0628% | 5,525 |
| Memoranda: | ||
| Average total assets | $57,714,500 | 5,670 |
| Average earning assets | $53,344,250 | 5,651 |
| Average equity | $4,516,500 | 6,048 |
| Average total loans | $43,622,750 | 5,106 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 1,798 |
| Cost of funding earning assets | 0.3527% | 4,411 |
| Net interest margin | 4.1578% | 1,356 |
| Noninterest income to average assets | 0.3290% | 4,785 |
| Noninterest expense to average assets | 3.6987% | 1,140 |
| Loan and lease loss provision to assets | 0.1039% | 2,286 |
| Net operating income to assets | 0.3636% | 5,359 |
| Return on assets (ROA) | 0.3636% | 5,427 |
| Pretax return on assets | 0.3636% | 5,651 |
| Return on Equity (ROE) | 4.6784% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.6784% | 3,165 |
| Net charge-offs to loans | 0.4584% | 882 |
| Credit loss provision to net charge-offs | 30.0000% | 3,056 |
| Earnings coverage of net charge-offs (x) | 1.3500% | 3,835 |
| Efficiency ratio | 88.7781% | 1,016 |
| Assets per employee ($millions) | 2.8283% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 2,724 |
| Loan loss allowance to noncurrent loans | 173.0280% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 2.0189% | 1,580 |
| Noncurrent loans to loans | 0.8898% | 3,476 |
| Net loans and leases to total assets | 76.8779% | 1,065 |
| Net loans and leases to deposits | 85.3219% | 1,884 |
| Net loans and leases to core deposits | 86.7257% | 2,443 |
| Total domestic deposits to total assets | 90.1034% | 758 |
| Equity capital to assets | 8.0509% | 6,125 |
| Core capital (leverage) ratio | 7.9308% | 6,145 |
| Tier 1 risk-based capital ratio | 11.5964% | 5,746 |
| Total risk-based capital ratio | 12.8528% | 5,696 |
| Memoranda: | ||
| Average total assets | $57,750,670 | 5,719 |
| Average earning assets | $53,297,000 | 5,705 |
| Average equity | $4,488,670 | 6,095 |
| Average total loans | $43,631,670 | 5,141 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 2,332 |
| Cost of funding earning assets | 0.3569% | 4,472 |
| Net interest margin | 3.9929% | 1,794 |
| Noninterest income to average assets | 0.2948% | 5,012 |
| Noninterest expense to average assets | 3.5651% | 1,370 |
| Loan and lease loss provision to assets | 0.1028% | 2,208 |
| Net operating income to assets | 0.3085% | 5,461 |
| Return on assets (ROA) | 0.3085% | 5,512 |
| Pretax return on assets | 0.3085% | 5,699 |
| Return on Equity (ROE) | 4.0395% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.0395% | 3,691 |
| Net charge-offs to loans | 0.9224% | 379 |
| Credit loss provision to net charge-offs | 15.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 3,303 |
| Efficiency ratio | 89.6552% | 1,070 |
| Assets per employee ($millions) | 2.8956% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,019 |
| Loan loss allowance to noncurrent loans | 1,797.2973% | 318 |
| Noncurrent assets plus other real estate owned to assets | 1.2933% | 2,703 |
| Noncurrent loans to loans | 0.0851% | 5,879 |
| Net loans and leases to total assets | 73.9467% | 1,272 |
| Net loans and leases to deposits | 81.7642% | 2,071 |
| Net loans and leases to core deposits | 83.1114% | 2,633 |
| Total domestic deposits to total assets | 90.4389% | 835 |
| Equity capital to assets | 7.7462% | 6,209 |
| Core capital (leverage) ratio | 7.7800% | 6,231 |
| Tier 1 risk-based capital ratio | 11.4948% | 5,918 |
| Total risk-based capital ratio | 12.7514% | 5,862 |
| Memoranda: | ||
| Average total assets | $58,343,500 | 5,757 |
| Average earning assets | $53,795,000 | 5,739 |
| Average equity | $4,456,000 | 6,145 |
| Average total loans | $43,364,500 | 5,195 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3464% | 2,784 |
| Cost of funding earning assets | 0.4041% | 4,603 |
| Net interest margin | 3.9424% | 2,128 |
| Noninterest income to average assets | 0.3904% | 4,514 |
| Noninterest expense to average assets | 3.5573% | 1,535 |
| Loan and lease loss provision to assets | 0.2120% | 1,739 |
| Net operating income to assets | 0.2002% | 5,815 |
| Return on assets (ROA) | 0.2002% | 5,887 |
| Pretax return on assets | 0.2002% | 5,933 |
| Return on Equity (ROE) | 2.6958% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.6958% | 4,320 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6142% | 1,057 |
| Assets per employee ($millions) | 2.9388% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 2,284 |
| Loan loss allowance to noncurrent loans | 2,027.0270% | 296 |
| Noncurrent assets plus other real estate owned to assets | 1.2744% | 2,868 |
| Noncurrent loans to loans | 0.0856% | 5,958 |
| Net loans and leases to total assets | 72.2926% | 1,643 |
| Net loans and leases to deposits | 79.7066% | 2,493 |
| Net loans and leases to core deposits | 80.9935% | 3,008 |
| Total domestic deposits to total assets | 90.6984% | 704 |
| Equity capital to assets | 7.5304% | 6,267 |
| Core capital (leverage) ratio | 7.5805% | 6,343 |
| Tier 1 risk-based capital ratio | 11.4341% | 5,941 |
| Total risk-based capital ratio | 12.6914% | 5,879 |
| Memoranda: | ||
| Average total assets | $59,427,800 | 5,771 |
| Average earning assets | $53,952,200 | 5,765 |
| Average equity | $4,414,200 | 6,229 |
| Average total loans | $40,765,600 | 5,314 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 2,862 |
| Cost of funding earning assets | 0.4167% | 4,660 |
| Net interest margin | 3.9161% | 2,210 |
| Noninterest income to average assets | 0.4094% | 4,461 |
| Noninterest expense to average assets | 3.5620% | 1,476 |
| Loan and lease loss provision to assets | 0.0403% | 4,204 |
| Net operating income to assets | 0.3401% | 5,468 |
| Return on assets (ROA) | 0.3401% | 5,595 |
| Pretax return on assets | 0.3401% | 5,775 |
| Return on Equity (ROE) | 4.5942% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.5942% | 3,404 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3519% | 963 |
| Assets per employee ($millions) | 2.9792% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 3,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 3,058 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 69.3424% | 2,076 |
| Net loans and leases to deposits | 75.7221% | 2,997 |
| Net loans and leases to core deposits | 76.4577% | 3,568 |
| Total domestic deposits to total assets | 91.5749% | 350 |
| Equity capital to assets | 7.5070% | 6,393 |
| Core capital (leverage) ratio | 7.5407% | 6,432 |
| Tier 1 risk-based capital ratio | 11.8073% | 5,898 |
| Total risk-based capital ratio | 13.0621% | 5,845 |
| Memoranda: | ||
| Average total assets | $59,591,000 | 5,833 |
| Average earning assets | $53,759,500 | 5,834 |
| Average equity | $4,411,250 | 6,306 |
| Average total loans | $40,147,000 | 5,388 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 2,947 |
| Cost of funding earning assets | 0.4392% | 4,555 |
| Net interest margin | 3.8623% | 2,338 |
| Noninterest income to average assets | 0.4162% | 4,406 |
| Noninterest expense to average assets | 3.6011% | 1,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2685% | 5,721 |
| Return on assets (ROA) | 0.2685% | 5,856 |
| Pretax return on assets | 0.2685% | 5,958 |
| Return on Equity (ROE) | 3.6441% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.6441% | 3,990 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0616% | 810 |
| Assets per employee ($millions) | 2.9438% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,206 |
| Loan loss allowance to noncurrent loans | 472.7273% | 917 |
| Noncurrent assets plus other real estate owned to assets | 1.5711% | 2,756 |
| Noncurrent loans to loans | 0.3355% | 5,456 |
| Net loans and leases to total assets | 65.7597% | 2,629 |
| Net loans and leases to deposits | 71.1443% | 3,568 |
| Net loans and leases to core deposits | 71.8360% | 4,065 |
| Total domestic deposits to total assets | 92.4314% | 195 |
| Equity capital to assets | 7.4938% | 6,443 |
| Core capital (leverage) ratio | 7.4167% | 6,490 |
| Tier 1 risk-based capital ratio | 11.9958% | 5,794 |
| Total risk-based capital ratio | 13.2509% | 5,742 |
| Memoranda: | ||
| Average total assets | $59,593,330 | 5,862 |
| Average earning assets | $53,284,670 | 5,884 |
| Average equity | $4,390,670 | 6,358 |
| Average total loans | $39,543,000 | 5,441 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 2,702 |
| Cost of funding earning assets | 0.4690% | 4,381 |
| Net interest margin | 3.8782% | 2,187 |
| Noninterest income to average assets | 0.3469% | 4,909 |
| Noninterest expense to average assets | 3.5762% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2469% | 5,735 |
| Return on assets (ROA) | 0.2469% | 5,855 |
| Pretax return on assets | 0.2469% | 5,972 |
| Return on Equity (ROE) | 3.3790% | 5,400 |
| Retained earnings to average equity (ytd only) | 3.3790% | 4,227 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5428% | 869 |
| Assets per employee ($millions) | 3.0743% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 3,483 |
| Loan loss allowance to noncurrent loans | 473.4848% | 901 |
| Noncurrent assets plus other real estate owned to assets | 1.7052% | 2,737 |
| Noncurrent loans to loans | 0.3338% | 5,569 |
| Net loans and leases to total assets | 66.6330% | 2,255 |
| Net loans and leases to deposits | 72.1253% | 3,170 |
| Net loans and leases to core deposits | 72.8639% | 3,716 |
| Total domestic deposits to total assets | 92.3850% | 191 |
| Equity capital to assets | 7.5277% | 6,584 |
| Core capital (leverage) ratio | 7.3638% | 6,520 |
| Tier 1 risk-based capital ratio | 11.7636% | 6,053 |
| Total risk-based capital ratio | 13.0197% | 6,024 |
| Memoranda: | ||
| Average total assets | $59,952,500 | 5,908 |
| Average earning assets | $53,736,000 | 5,912 |
| Average equity | $4,380,000 | 6,426 |
| Average total loans | $39,644,500 | 5,481 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 3,226 |
| Cost of funding earning assets | 0.5900% | 4,443 |
| Net interest margin | 3.9545% | 2,587 |
| Noninterest income to average assets | 0.3590% | 4,910 |
| Noninterest expense to average assets | 3.5952% | 1,621 |
| Loan and lease loss provision to assets | 0.0947% | 4,483 |
| Net operating income to assets | 0.1697% | 5,840 |
| Return on assets (ROA) | 0.1697% | 6,013 |
| Pretax return on assets | 0.1697% | 6,037 |
| Return on Equity (ROE) | 2.4160% | 5,791 |
| Retained earnings to average equity (ytd only) | 2.4160% | 4,534 |
| Net charge-offs to loans | 0.1950% | 3,816 |
| Credit loss provision to net charge-offs | 73.4177% | 4,057 |
| Earnings coverage of net charge-offs (x) | 2.0506% | 4,387 |
| Efficiency ratio | 93.1501% | 857 |
| Assets per employee ($millions) | 3.0747% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 3,441 |
| Loan loss allowance to noncurrent loans | 6,240.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 1.4229% | 3,266 |
| Noncurrent loans to loans | 0.0252% | 6,461 |
| Net loans and leases to total assets | 63.6143% | 2,964 |
| Net loans and leases to deposits | 68.5216% | 3,902 |
| Net loans and leases to core deposits | 69.1833% | 4,410 |
| Total domestic deposits to total assets | 92.8383% | 150 |
| Equity capital to assets | 7.0950% | 6,757 |
| Core capital (leverage) ratio | 6.9381% | 6,722 |
| Tier 1 risk-based capital ratio | 11.6415% | 6,010 |
| Total risk-based capital ratio | 12.8978% | 5,962 |
| Memoranda: | ||
| Average total assets | $61,275,400 | 5,890 |
| Average earning assets | $54,241,400 | 5,921 |
| Average equity | $4,304,600 | 6,492 |
| Average total loans | $40,519,200 | 5,483 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 3,261 |
| Cost of funding earning assets | 0.6088% | 4,549 |
| Net interest margin | 3.9782% | 2,585 |
| Noninterest income to average assets | 0.3572% | 4,967 |
| Noninterest expense to average assets | 3.5673% | 1,620 |
| Loan and lease loss provision to assets | 0.1263% | 3,970 |
| Net operating income to assets | 0.1786% | 5,972 |
| Return on assets (ROA) | 0.1786% | 6,126 |
| Pretax return on assets | 0.1786% | 6,158 |
| Return on Equity (ROE) | 2.5485% | 5,862 |
| Retained earnings to average equity (ytd only) | 2.5485% | 5,042 |
| Net charge-offs to loans | 0.2587% | 3,177 |
| Credit loss provision to net charge-offs | 73.4177% | 3,810 |
| Earnings coverage of net charge-offs (x) | 1.7721% | 4,384 |
| Efficiency ratio | 92.1260% | 881 |
| Assets per employee ($millions) | 3.1218% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,631 |
| Loan loss allowance to noncurrent loans | 182.9912% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 2.0373% | 2,596 |
| Noncurrent loans to loans | 0.8597% | 4,700 |
| Net loans and leases to total assets | 62.5264% | 3,298 |
| Net loans and leases to deposits | 67.2750% | 4,294 |
| Net loans and leases to core deposits | 67.9128% | 4,732 |
| Total domestic deposits to total assets | 92.9416% | 117 |
| Equity capital to assets | 6.9607% | 6,888 |
| Core capital (leverage) ratio | 6.8962% | 6,817 |
| Tier 1 risk-based capital ratio | 11.2531% | 6,380 |
| Total risk-based capital ratio | 12.5075% | 6,345 |
| Memoranda: | ||
| Average total assets | $61,220,750 | 5,962 |
| Average earning assets | $54,093,000 | 5,995 |
| Average equity | $4,290,000 | 6,571 |
| Average total loans | $40,713,250 | 5,539 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 3,201 |
| Cost of funding earning assets | 0.6297% | 4,627 |
| Net interest margin | 4.0079% | 2,471 |
| Noninterest income to average assets | 0.3289% | 5,198 |
| Noninterest expense to average assets | 3.6701% | 1,431 |
| Loan and lease loss provision to assets | 0.1907% | 3,190 |
| Net operating income to assets | 0.0263% | 6,289 |
| Return on assets (ROA) | 0.0263% | 6,428 |
| Pretax return on assets | 0.0263% | 6,414 |
| Return on Equity (ROE) | 0.3746% | 6,409 |
| Retained earnings to average equity (ytd only) | 0.3746% | 5,918 |
| Net charge-offs to loans | 0.3750% | 2,516 |
| Credit loss provision to net charge-offs | 75.3247% | 3,448 |
| Earnings coverage of net charge-offs (x) | 0.8571% | 4,628 |
| Efficiency ratio | 94.4162% | 784 |
| Assets per employee ($millions) | 2.9360% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 3,673 |
| Loan loss allowance to noncurrent loans | 180.4035% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 2.2495% | 2,484 |
| Noncurrent loans to loans | 0.8758% | 4,741 |
| Net loans and leases to total assets | 63.2434% | 3,191 |
| Net loans and leases to deposits | 68.0061% | 4,201 |
| Net loans and leases to core deposits | 68.9610% | 4,672 |
| Total domestic deposits to total assets | 92.9967% | 127 |
| Equity capital to assets | 6.9222% | 6,924 |
| Core capital (leverage) ratio | 6.8392% | 6,857 |
| Tier 1 risk-based capital ratio | 11.1833% | 6,411 |
| Total risk-based capital ratio | 12.4385% | 6,388 |
| Memoranda: | ||
| Average total assets | $60,815,670 | 6,008 |
| Average earning assets | $53,993,670 | 6,028 |
| Average equity | $4,271,330 | 6,606 |
| Average total loans | $41,063,330 | 5,548 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 3,098 |
| Cost of funding earning assets | 0.6706% | 4,533 |
| Net interest margin | 4.0163% | 2,436 |
| Noninterest income to average assets | 0.3312% | 5,210 |
| Noninterest expense to average assets | 3.4904% | 1,781 |
| Loan and lease loss provision to assets | 0.2053% | 2,903 |
| Net operating income to assets | 0.2451% | 5,843 |
| Return on assets (ROA) | 0.2451% | 5,988 |
| Pretax return on assets | 0.2451% | 6,094 |
| Return on Equity (ROE) | 3.4636% | 5,525 |
| Retained earnings to average equity (ytd only) | 3.4636% | 4,501 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5714% | 1,220 |
| Assets per employee ($millions) | 2.8917% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 3,682 |
| Loan loss allowance to noncurrent loans | 83.7670% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.4882% | 2,375 |
| Noncurrent loans to loans | 1.9224% | 3,257 |
| Net loans and leases to total assets | 68.0137% | 2,114 |
| Net loans and leases to deposits | 73.2669% | 3,239 |
| Net loans and leases to core deposits | 74.7223% | 3,796 |
| Total domestic deposits to total assets | 92.8301% | 151 |
| Equity capital to assets | 7.0678% | 6,920 |
| Core capital (leverage) ratio | 7.0335% | 6,829 |
| Tier 1 risk-based capital ratio | 10.7846% | 6,635 |
| Total risk-based capital ratio | 12.0397% | 6,616 |
| Memoranda: | ||
| Average total assets | $60,395,000 | 6,055 |
| Average earning assets | $54,279,000 | 6,055 |
| Average equity | $4,273,000 | 6,640 |
| Average total loans | $41,785,000 | 5,559 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 3,234 |
| Cost of funding earning assets | 0.9445% | 3,754 |
| Net interest margin | 3.9805% | 2,979 |
| Noninterest income to average assets | 0.2155% | 5,982 |
| Noninterest expense to average assets | 3.5713% | 1,800 |
| Loan and lease loss provision to assets | 0.0434% | 6,033 |
| Net operating income to assets | 0.1529% | 5,723 |
| Return on assets (ROA) | 0.1929% | 5,737 |
| Pretax return on assets | 0.1929% | 5,804 |
| Return on Equity (ROE) | 2.6487% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.6487% | 4,345 |
| Net charge-offs to loans | 0.0873% | 5,461 |
| Credit loss provision to net charge-offs | 69.4444% | 4,864 |
| Earnings coverage of net charge-offs (x) | 3.1389% | 3,641 |
| Efficiency ratio | 94.7878% | 875 |
| Assets per employee ($millions) | 2.8602% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,792 |
| Loan loss allowance to noncurrent loans | 79.8267% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.5190% | 2,409 |
| Noncurrent loans to loans | 1.9427% | 3,281 |
| Net loans and leases to total assets | 68.1723% | 2,363 |
| Net loans and leases to deposits | 73.4251% | 3,592 |
| Net loans and leases to core deposits | 75.6471% | 4,029 |
| Total domestic deposits to total assets | 92.8460% | 144 |
| Equity capital to assets | 7.0824% | 6,940 |
| Core capital (leverage) ratio | 7.0486% | 6,846 |
| Tier 1 risk-based capital ratio | 10.7922% | 6,562 |
| Total risk-based capital ratio | 12.0465% | 6,543 |
| Memoranda: | ||
| Average total assets | $57,542,800 | 6,125 |
| Average earning assets | $51,350,800 | 6,150 |
| Average equity | $4,190,800 | 6,704 |
| Average total loans | $41,255,000 | 5,632 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 3,214 |
| Cost of funding earning assets | 1.0081% | 3,627 |
| Net interest margin | 3.9668% | 3,065 |
| Noninterest income to average assets | 0.3139% | 5,355 |
| Noninterest expense to average assets | 3.6546% | 1,590 |
| Loan and lease loss provision to assets | 0.0515% | 5,804 |
| Net operating income to assets | 0.1382% | 5,865 |
| Return on assets (ROA) | 0.1921% | 5,850 |
| Pretax return on assets | 0.1921% | 5,910 |
| Return on Equity (ROE) | 2.6187% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.6187% | 4,795 |
| Net charge-offs to loans | -0.0129% | 6,817 |
| Credit loss provision to net charge-offs | -550.0000% | 6,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0640% | 867 |
| Assets per employee ($millions) | 2.8471% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,386 |
| Loan loss allowance to noncurrent loans | 80.1410% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 2.3650% | 2,716 |
| Noncurrent loans to loans | 2.0816% | 3,267 |
| Net loans and leases to total assets | 67.2364% | 2,630 |
| Net loans and leases to deposits | 72.4285% | 3,911 |
| Net loans and leases to core deposits | 74.5134% | 4,377 |
| Total domestic deposits to total assets | 92.8315% | 141 |
| Equity capital to assets | 7.0749% | 7,042 |
| Core capital (leverage) ratio | 7.0637% | 6,941 |
| Tier 1 risk-based capital ratio | 10.8979% | 6,604 |
| Total risk-based capital ratio | 12.1550% | 6,579 |
| Memoranda: | ||
| Average total assets | $56,912,500 | 6,187 |
| Average earning assets | $50,653,000 | 6,215 |
| Average equity | $4,175,000 | 6,760 |
| Average total loans | $41,170,750 | 5,686 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 2,810 |
| Cost of funding earning assets | 1.0642% | 3,512 |
| Net interest margin | 4.0088% | 2,796 |
| Noninterest income to average assets | 0.2466% | 5,883 |
| Noninterest expense to average assets | 3.8782% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0500% | 6,298 |
| Return on assets (ROA) | 0.0322% | 6,242 |
| Pretax return on assets | 0.0322% | 6,220 |
| Return on Equity (ROE) | 0.4330% | 6,204 |
| Retained earnings to average equity (ytd only) | 0.4330% | 5,671 |
| Net charge-offs to loans | -0.0145% | 6,759 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3072% | 686 |
| Assets per employee ($millions) | 2.8998% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 3,699 |
| Loan loss allowance to noncurrent loans | 108.9256% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 2.0139% | 3,211 |
| Noncurrent loans to loans | 1.4677% | 4,221 |
| Net loans and leases to total assets | 69.9410% | 2,231 |
| Net loans and leases to deposits | 75.4001% | 3,578 |
| Net loans and leases to core deposits | 77.6311% | 4,097 |
| Total domestic deposits to total assets | 92.7598% | 143 |
| Equity capital to assets | 7.1488% | 7,073 |
| Core capital (leverage) ratio | 7.1932% | 6,922 |
| Tier 1 risk-based capital ratio | 10.9218% | 6,590 |
| Total risk-based capital ratio | 12.1775% | 6,553 |
| Memoranda: | ||
| Average total assets | $55,953,670 | 6,262 |
| Average earning assets | $49,989,670 | 6,296 |
| Average equity | $4,156,670 | 6,801 |
| Average total loans | $41,267,000 | 5,746 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 2,233 |
| Cost of funding earning assets | 1.0766% | 3,680 |
| Net interest margin | 4.1203% | 2,187 |
| Noninterest income to average assets | 0.4078% | 4,650 |
| Noninterest expense to average assets | 3.7209% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3932% | 4,982 |
| Return on assets (ROA) | 0.3932% | 5,072 |
| Pretax return on assets | 0.3932% | 5,365 |
| Return on Equity (ROE) | 5.1898% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.1898% | 3,064 |
| Net charge-offs to loans | -0.0097% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4425% | 1,299 |
| Assets per employee ($millions) | 2.7839% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 3,791 |
| Loan loss allowance to noncurrent loans | 167.6020% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 3,404 |
| Noncurrent loans to loans | 0.9460% | 5,143 |
| Net loans and leases to total assets | 73.2457% | 1,473 |
| Net loans and leases to deposits | 79.2880% | 2,844 |
| Net loans and leases to core deposits | 80.8265% | 3,627 |
| Total domestic deposits to total assets | 92.3793% | 193 |
| Equity capital to assets | 7.5184% | 6,859 |
| Core capital (leverage) ratio | 7.6163% | 6,636 |
| Tier 1 risk-based capital ratio | 11.1475% | 6,397 |
| Total risk-based capital ratio | 12.3888% | 6,376 |
| Memoranda: | ||
| Average total assets | $54,932,500 | 6,347 |
| Average earning assets | $49,414,000 | 6,361 |
| Average equity | $4,162,000 | 6,825 |
| Average total loans | $41,289,500 | 5,796 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5631% | 2,040 |
| Cost of funding earning assets | 1.1281% | 4,976 |
| Net interest margin | 4.4350% | 1,388 |
| Noninterest income to average assets | 0.5171% | 4,045 |
| Noninterest expense to average assets | 3.7622% | 1,557 |
| Loan and lease loss provision to assets | 0.8460% | 1,937 |
| Net operating income to assets | -0.0551% | 5,937 |
| Return on assets (ROA) | -0.0551% | 6,017 |
| Pretax return on assets | -0.0551% | 5,961 |
| Return on Equity (ROE) | -0.6925% | 6,037 |
| Retained earnings to average equity (ytd only) | -0.6925% | 5,742 |
| Net charge-offs to loans | 0.6363% | 3,113 |
| Credit loss provision to net charge-offs | 168.5606% | 2,017 |
| Earnings coverage of net charge-offs (x) | 1.5758% | 4,555 |
| Efficiency ratio | 82.6305% | 2,088 |
| Assets per employee ($millions) | 2.7094% | 6,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,592 |
| Loan loss allowance to noncurrent loans | 131.9920% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 2.1739% | 3,126 |
| Noncurrent loans to loans | 1.2080% | 4,713 |
| Net loans and leases to total assets | 74.7121% | 1,541 |
| Net loans and leases to deposits | 80.9813% | 2,996 |
| Net loans and leases to core deposits | 82.5904% | 3,808 |
| Total domestic deposits to total assets | 92.2584% | 225 |
| Equity capital to assets | 7.6364% | 6,790 |
| Core capital (leverage) ratio | 7.4568% | 6,737 |
| Tier 1 risk-based capital ratio | 10.9978% | 6,324 |
| Total risk-based capital ratio | 12.2544% | 6,298 |
| Memoranda: | ||
| Average total assets | $52,602,400 | 6,441 |
| Average earning assets | $47,869,200 | 6,437 |
| Average equity | $4,188,000 | 6,927 |
| Average total loans | $41,491,400 | 5,863 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5865% | 2,116 |
| Cost of funding earning assets | 1.1190% | 5,323 |
| Net interest margin | 4.4675% | 1,329 |
| Noninterest income to average assets | 0.4699% | 4,416 |
| Noninterest expense to average assets | 3.7951% | 1,376 |
| Loan and lease loss provision to assets | 0.5900% | 2,575 |
| Net operating income to assets | 0.1532% | 5,631 |
| Return on assets (ROA) | 0.1532% | 5,789 |
| Pretax return on assets | 0.1532% | 5,828 |
| Return on Equity (ROE) | 1.9045% | 5,641 |
| Retained earnings to average equity (ytd only) | 1.9045% | 5,005 |
| Net charge-offs to loans | 0.6125% | 2,907 |
| Credit loss provision to net charge-offs | 120.9424% | 3,405 |
| Earnings coverage of net charge-offs (x) | 1.5236% | 4,582 |
| Efficiency ratio | 83.6241% | 1,875 |
| Assets per employee ($millions) | 2.7222% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 5,358 |
| Loan loss allowance to noncurrent loans | 234.0909% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 4,265 |
| Noncurrent loans to loans | 0.5240% | 6,150 |
| Net loans and leases to total assets | 76.1769% | 1,372 |
| Net loans and leases to deposits | 82.7012% | 2,968 |
| Net loans and leases to core deposits | 83.9025% | 3,951 |
| Total domestic deposits to total assets | 92.1110% | 177 |
| Equity capital to assets | 7.7806% | 6,943 |
| Core capital (leverage) ratio | 7.8723% | 6,491 |
| Tier 1 risk-based capital ratio | 10.9058% | 6,456 |
| Total risk-based capital ratio | 12.1566% | 6,438 |
| Memoranda: | ||
| Average total assets | $52,206,000 | 6,529 |
| Average earning assets | $47,542,000 | 6,529 |
| Average equity | $4,200,500 | 7,008 |
| Average total loans | $41,579,000 | 5,940 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6503% | 1,940 |
| Cost of funding earning assets | 1.1172% | 5,584 |
| Net interest margin | 4.5331% | 1,141 |
| Noninterest income to average assets | 0.4703% | 4,353 |
| Noninterest expense to average assets | 3.9059% | 1,177 |
| Loan and lease loss provision to assets | 0.7423% | 1,946 |
| Net operating income to assets | -0.0622% | 6,169 |
| Return on assets (ROA) | -0.0622% | 6,260 |
| Pretax return on assets | -0.0622% | 6,208 |
| Return on Equity (ROE) | -0.7640% | 6,293 |
| Retained earnings to average equity (ytd only) | -0.7640% | 5,919 |
| Net charge-offs to loans | 0.9218% | 1,991 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 0.9162% | 4,857 |
| Efficiency ratio | 85.1695% | 1,802 |
| Assets per employee ($millions) | 2.4307% | 7,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 5,740 |
| Loan loss allowance to noncurrent loans | 213.0045% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5810% | 4,086 |
| Noncurrent loans to loans | 0.5353% | 6,183 |
| Net loans and leases to total assets | 80.6853% | 703 |
| Net loans and leases to deposits | 87.9458% | 2,179 |
| Net loans and leases to core deposits | 89.3306% | 3,363 |
| Total domestic deposits to total assets | 91.7444% | 274 |
| Equity capital to assets | 8.1479% | 6,600 |
| Core capital (leverage) ratio | 8.0319% | 6,230 |
| Tier 1 risk-based capital ratio | 10.7047% | 6,525 |
| Total risk-based capital ratio | 11.9317% | 6,536 |
| Memoranda: | ||
| Average total assets | $51,460,330 | 6,601 |
| Average earning assets | $46,723,330 | 6,602 |
| Average equity | $4,188,670 | 7,046 |
| Average total loans | $41,442,670 | 5,983 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6552% | 1,937 |
| Cost of funding earning assets | 1.1207% | 5,801 |
| Net interest margin | 4.5345% | 1,074 |
| Noninterest income to average assets | 0.4258% | 4,700 |
| Noninterest expense to average assets | 3.8012% | 1,328 |
| Loan and lease loss provision to assets | 0.2555% | 4,000 |
| Net operating income to assets | 0.4413% | 4,658 |
| Return on assets (ROA) | 0.4413% | 4,787 |
| Pretax return on assets | 0.4413% | 5,159 |
| Return on Equity (ROE) | 5.4241% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.4241% | 2,916 |
| Net charge-offs to loans | -0.0194% | 7,069 |
| Credit loss provision to net charge-offs | -1,650.0000% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5095% | 1,979 |
| Assets per employee ($millions) | 2.4386% | 7,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 5,261 |
| Loan loss allowance to noncurrent loans | 1,243.9024% | 275 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 4,725 |
| Noncurrent loans to loans | 0.0999% | 7,143 |
| Net loans and leases to total assets | 79.1174% | 963 |
| Net loans and leases to deposits | 86.3696% | 2,518 |
| Net loans and leases to core deposits | 87.7198% | 3,656 |
| Total domestic deposits to total assets | 91.6032% | 345 |
| Equity capital to assets | 8.2582% | 6,357 |
| Core capital (leverage) ratio | 8.1428% | 6,003 |
| Tier 1 risk-based capital ratio | 11.1281% | 6,028 |
| Total risk-based capital ratio | 12.3792% | 5,996 |
| Memoranda: | ||
| Average total assets | $51,668,500 | 6,675 |
| Average earning assets | $46,399,500 | 6,685 |
| Average equity | $4,203,500 | 7,111 |
| Average total loans | $41,334,000 | 6,059 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5672% | 3,771 |
| Cost of funding earning assets | 1.2747% | 6,397 |
| Net interest margin | 4.2925% | 1,738 |
| Noninterest income to average assets | 0.4487% | 4,823 |
| Noninterest expense to average assets | 4.0559% | 1,294 |
| Loan and lease loss provision to assets | 0.1887% | 5,835 |
| Net operating income to assets | 0.1406% | 5,081 |
| Return on assets (ROA) | 0.1406% | 5,149 |
| Pretax return on assets | 0.1406% | 5,136 |
| Return on Equity (ROE) | 1.7407% | 5,005 |
| Retained earnings to average equity (ytd only) | -1.9791% | 5,513 |
| Net charge-offs to loans | 0.2454% | 5,086 |
| Credit loss provision to net charge-offs | 98.0000% | 5,685 |
| Earnings coverage of net charge-offs (x) | 1.7100% | 4,458 |
| Efficiency ratio | 92.4901% | 1,527 |
| Assets per employee ($millions) | 2.4822% | 7,232 |
| Cash dividends to net income (ytd only)* | 213.6986% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 5,686 |
| Loan loss allowance to noncurrent loans | 1,032.6087% | 353 |
| Noncurrent assets plus other real estate owned to assets | 1.2374% | 4,620 |
| Noncurrent loans to loans | 0.1105% | 7,140 |
| Net loans and leases to total assets | 78.9744% | 1,189 |
| Net loans and leases to deposits | 86.0316% | 2,908 |
| Net loans and leases to core deposits | 101.5617% | 3,839 |
| Total domestic deposits to total assets | 91.7970% | 305 |
| Equity capital to assets | 8.0150% | 6,568 |
| Core capital (leverage) ratio | 8.0209% | 6,141 |
| Tier 1 risk-based capital ratio | 10.7091% | 6,195 |
| Total risk-based capital ratio | 11.9322% | 6,202 |
| Memoranda: | ||
| Average total assets | $51,924,800 | 6,640 |
| Average earning assets | $47,617,800 | 6,613 |
| Average equity | $4,193,800 | 7,214 |
| Average total loans | $40,752,200 | 6,065 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5627% | 4,082 |
| Cost of funding earning assets | 1.3022% | 6,554 |
| Net interest margin | 4.2606% | 1,839 |
| Noninterest income to average assets | 0.4575% | 4,848 |
| Noninterest expense to average assets | 3.9942% | 1,278 |
| Loan and lease loss provision to assets | 0.1876% | 5,495 |
| Net operating income to assets | 0.2030% | 5,142 |
| Return on assets (ROA) | 0.2030% | 5,231 |
| Pretax return on assets | 0.2030% | 5,299 |
| Return on Equity (ROE) | 2.5092% | 4,990 |
| Retained earnings to average equity (ytd only) | -2.4456% | 5,810 |
| Net charge-offs to loans | 0.3290% | 3,993 |
| Credit loss provision to net charge-offs | 73.0000% | 5,922 |
| Earnings coverage of net charge-offs (x) | 1.5200% | 4,643 |
| Efficiency ratio | 91.0903% | 1,603 |
| Assets per employee ($millions) | 2.4418% | 7,318 |
| Cash dividends to net income (ytd only)* | 197.4651% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,602 |
| Loan loss allowance to noncurrent loans | 113.9241% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 4,532 |
| Noncurrent loans to loans | 0.9834% | 5,339 |
| Net loans and leases to total assets | 77.4577% | 1,676 |
| Net loans and leases to deposits | 84.4704% | 3,575 |
| Net loans and leases to core deposits | 99.8692% | 4,387 |
| Total domestic deposits to total assets | 91.6980% | 225 |
| Equity capital to assets | 8.1733% | 6,672 |
| Core capital (leverage) ratio | 7.9979% | 6,361 |
| Tier 1 risk-based capital ratio | 11.2937% | 5,641 |
| Total risk-based capital ratio | 12.5139% | 5,619 |
| Memoranda: | ||
| Average total assets | $51,874,250 | 6,693 |
| Average earning assets | $47,817,000 | 6,657 |
| Average equity | $4,197,750 | 7,282 |
| Average total loans | $40,529,750 | 6,129 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6374% | 3,877 |
| Cost of funding earning assets | 1.3282% | 6,709 |
| Net interest margin | 4.3093% | 1,633 |
| Noninterest income to average assets | 0.3918% | 5,362 |
| Noninterest expense to average assets | 4.1442% | 1,136 |
| Loan and lease loss provision to assets | 0.2151% | 4,897 |
| Net operating income to assets | 0.0077% | 5,813 |
| Return on assets (ROA) | 0.0077% | 5,893 |
| Pretax return on assets | 0.0077% | 5,853 |
| Return on Equity (ROE) | 0.0952% | 5,889 |
| Retained earnings to average equity (ytd only) | -7.3333% | 6,599 |
| Net charge-offs to loans | 0.5117% | 2,794 |
| Credit loss provision to net charge-offs | 53.8462% | 5,701 |
| Earnings coverage of net charge-offs (x) | 0.5577% | 5,155 |
| Efficiency ratio | 94.8989% | 1,451 |
| Assets per employee ($millions) | 2.4459% | 7,353 |
| Cash dividends to net income (ytd only)* | 7,800.0000% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 5,964 |
| Loan loss allowance to noncurrent loans | 109.4388% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2596% | 4,419 |
| Noncurrent loans to loans | 0.9509% | 5,320 |
| Net loans and leases to total assets | 79.4272% | 1,425 |
| Net loans and leases to deposits | 86.5168% | 3,459 |
| Net loans and leases to core deposits | 103.3725% | 4,139 |
| Total domestic deposits to total assets | 91.8055% | 244 |
| Equity capital to assets | 8.0114% | 6,733 |
| Core capital (leverage) ratio | 7.9522% | 6,418 |
| Tier 1 risk-based capital ratio | 11.1247% | 5,746 |
| Total risk-based capital ratio | 12.2919% | 5,754 |
| Memoranda: | ||
| Average total assets | $52,073,330 | 6,742 |
| Average earning assets | $48,036,000 | 6,710 |
| Average equity | $4,200,000 | 7,340 |
| Average total loans | $40,650,330 | 6,176 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6453% | 4,080 |
| Cost of funding earning assets | 1.3512% | 6,871 |
| Net interest margin | 4.2941% | 1,622 |
| Noninterest income to average assets | 0.4425% | 4,851 |
| Noninterest expense to average assets | 3.9063% | 1,304 |
| Loan and lease loss provision to assets | 0.2289% | 4,155 |
| Net operating income to assets | 0.2594% | 5,447 |
| Return on assets (ROA) | 0.2594% | 5,612 |
| Pretax return on assets | 0.2594% | 5,784 |
| Return on Equity (ROE) | 3.2057% | 5,273 |
| Retained earnings to average equity (ytd only) | -8.0141% | 6,919 |
| Net charge-offs to loans | 0.3667% | 2,629 |
| Credit loss provision to net charge-offs | 81.0811% | 4,173 |
| Earnings coverage of net charge-offs (x) | 1.7297% | 3,866 |
| Efficiency ratio | 88.8889% | 1,817 |
| Assets per employee ($millions) | 2.4574% | 7,360 |
| Cash dividends to net income (ytd only)* | 350.0000% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 4,987 |
| Loan loss allowance to noncurrent loans | 122.0779% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 4,151 |
| Noncurrent loans to loans | 0.9587% | 5,076 |
| Net loans and leases to total assets | 76.9073% | 2,063 |
| Net loans and leases to deposits | 83.8308% | 4,012 |
| Net loans and leases to core deposits | 99.8415% | 4,553 |
| Total domestic deposits to total assets | 91.7411% | 219 |
| Equity capital to assets | 8.1194% | 6,649 |
| Core capital (leverage) ratio | 7.9803% | 6,488 |
| Tier 1 risk-based capital ratio | 11.5078% | 5,408 |
| Total risk-based capital ratio | 12.7588% | 5,300 |
| Memoranda: | ||
| Average total assets | $52,428,000 | 6,764 |
| Average earning assets | $48,252,500 | 6,736 |
| Average equity | $4,242,500 | 7,367 |
| Average total loans | $40,362,500 | 6,221 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4062% | 3,386 |
| Cost of funding earning assets | 1.7964% | 7,018 |
| Net interest margin | 4.6098% | 1,151 |
| Noninterest income to average assets | 0.4837% | 4,767 |
| Noninterest expense to average assets | 3.7083% | 1,944 |
| Loan and lease loss provision to assets | 0.2700% | 4,235 |
| Net operating income to assets | 0.7630% | 3,606 |
| Return on assets (ROA) | 0.7630% | 3,450 |
| Pretax return on assets | 0.7630% | 4,203 |
| Return on Equity (ROE) | 9.5792% | 2,408 |
| Retained earnings to average equity (ytd only) | 0.5413% | 4,911 |
| Net charge-offs to loans | 0.2548% | 3,723 |
| Credit loss provision to net charge-offs | 142.5743% | 3,716 |
| Earnings coverage of net charge-offs (x) | 5.4554% | 3,640 |
| Efficiency ratio | 78.2127% | 2,886 |
| Assets per employee ($millions) | 2.4205% | 7,364 |
| Cash dividends to net income (ytd only)* | 94.3489% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 4,733 |
| Loan loss allowance to noncurrent loans | 256.4516% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 5,266 |
| Noncurrent loans to loans | 0.4585% | 5,971 |
| Net loans and leases to total assets | 75.2850% | 2,810 |
| Net loans and leases to deposits | 82.0122% | 4,730 |
| Net loans and leases to core deposits | 96.8685% | 5,165 |
| Total domestic deposits to total assets | 91.7973% | 160 |
| Equity capital to assets | 8.0656% | 6,753 |
| Core capital (leverage) ratio | 7.9690% | 6,542 |
| Tier 1 risk-based capital ratio | 11.6275% | 5,128 |
| Total risk-based capital ratio | 12.8771% | 5,019 |
| Memoranda: | ||
| Average total assets | $53,339,400 | 6,646 |
| Average earning assets | $49,265,000 | 6,624 |
| Average equity | $4,248,800 | 7,415 |
| Average total loans | $39,640,400 | 6,176 |