Home > Oklahoma Heritage Bank > Performance and Condition Ratios
Oklahoma Heritage Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0704% | 1,090 |
| Cost of funding earning assets | 2.6891% | 608 |
| Net interest margin | 3.3813% | 2,599 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 2.9283% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4821% | 3,600 |
| Return on assets (ROA) | 0.4821% | 3,614 |
| Pretax return on assets | 0.4821% | 3,740 |
| Return on Equity (ROE) | 5.2800% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.2787% | 2,499 |
| Net charge-offs to loans | 0.6176% | 233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 1.1748% | 2,165 |
| Efficiency ratio | 85.8645% | 647 |
| Assets per employee ($millions) | 5.3263% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 2,870 |
| Loan loss allowance to noncurrent loans | 280.0797% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.6719% | 341 |
| Noncurrent loans to loans | 0.3825% | 2,165 |
| Net loans and leases to total assets | 64.1500% | 2,482 |
| Net loans and leases to deposits | 76.7143% | 2,340 |
| Net loans and leases to core deposits | 87.6766% | 2,206 |
| Total domestic deposits to total assets | 83.6200% | 3,006 |
| Equity capital to assets | 9.1433% | 2,838 |
| Core capital (leverage) ratio | 9.5750% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $100,398,500 | 3,767 |
| Average earning assets | $90,142,500 | 3,781 |
| Average equity | $9,169,000 | 3,861 |
| Average total loans | $66,705,500 | 3,625 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1707% | 1,071 |
| Cost of funding earning assets | 2.7614% | 759 |
| Net interest margin | 3.4092% | 2,270 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 3.0819% | 1,020 |
| Loan and lease loss provision to assets | 0.4300% | 258 |
| Net operating income to assets | 0.0379% | 4,136 |
| Return on assets (ROA) | 0.0379% | 4,163 |
| Pretax return on assets | 0.0427% | 4,154 |
| Return on Equity (ROE) | 0.4200% | 4,151 |
| Retained earnings to average equity (ytd only) | 0.4228% | 3,811 |
| Net charge-offs to loans | 0.5692% | 267 |
| Credit loss provision to net charge-offs | 102.1429% | 1,864 |
| Earnings coverage of net charge-offs (x) | 1.1524% | 2,929 |
| Efficiency ratio | 86.7687% | 645 |
| Assets per employee ($millions) | 5.2419% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,229 |
| Loan loss allowance to noncurrent loans | 152.6515% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.6948% | 283 |
| Noncurrent loans to loans | 0.7789% | 1,277 |
| Net loans and leases to total assets | 67.2500% | 2,226 |
| Net loans and leases to deposits | 80.5719% | 2,085 |
| Net loans and leases to core deposits | 111.6983% | 869 |
| Total domestic deposits to total assets | 83.4700% | 2,918 |
| Equity capital to assets | 9.1218% | 2,731 |
| Core capital (leverage) ratio | 9.3922% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $102,987,000 | 3,752 |
| Average earning assets | $93,393,200 | 3,752 |
| Average equity | $9,223,400 | 3,839 |
| Average total loans | $73,793,200 | 3,509 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1131% | 1,118 |
| Cost of funding earning assets | 2.7345% | 791 |
| Net interest margin | 3.3786% | 2,279 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 3.0471% | 1,042 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.4725% | 3,526 |
| Return on assets (ROA) | 0.4725% | 3,561 |
| Pretax return on assets | 0.4790% | 3,682 |
| Return on Equity (ROE) | 5.3000% | 3,461 |
| Retained earnings to average equity (ytd only) | 5.2998% | 2,349 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 85.9471% | 708 |
| Assets per employee ($millions) | 5.6239% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 2,520 |
| Loan loss allowance to noncurrent loans | 77.9942% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 2.0774% | 188 |
| Noncurrent loans to loans | 1.4657% | 651 |
| Net loans and leases to total assets | 68.4300% | 2,034 |
| Net loans and leases to deposits | 82.2880% | 1,955 |
| Net loans and leases to core deposits | 93.5790% | 1,907 |
| Total domestic deposits to total assets | 83.1600% | 2,803 |
| Equity capital to assets | 9.4201% | 2,729 |
| Core capital (leverage) ratio | 9.7110% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $103,834,500 | 3,756 |
| Average earning assets | $94,396,750 | 3,759 |
| Average equity | $9,258,000 | 3,852 |
| Average total loans | $75,294,750 | 3,492 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0914% | 1,040 |
| Cost of funding earning assets | 2.6789% | 793 |
| Net interest margin | 3.4125% | 2,145 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.9722% | 1,136 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.5368% | 3,337 |
| Return on assets (ROA) | 0.5368% | 3,368 |
| Pretax return on assets | 0.5463% | 3,546 |
| Return on Equity (ROE) | 6.1300% | 3,238 |
| Retained earnings to average equity (ytd only) | 6.1318% | 1,961 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 83.7911% | 874 |
| Assets per employee ($millions) | 6.1077% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 2,813 |
| Loan loss allowance to noncurrent loans | 74.5810% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 2.0187% | 182 |
| Noncurrent loans to loans | 1.4701% | 594 |
| Net loans and leases to total assets | 69.5900% | 1,947 |
| Net loans and leases to deposits | 84.8490% | 1,760 |
| Net loans and leases to core deposits | 97.4982% | 1,641 |
| Total domestic deposits to total assets | 82.0100% | 3,075 |
| Equity capital to assets | 8.9318% | 2,787 |
| Core capital (leverage) ratio | 9.3152% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $104,702,667 | 3,765 |
| Average earning assets | $95,413,667 | 3,762 |
| Average equity | $9,165,333 | 3,841 |
| Average total loans | $77,036,000 | 3,473 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0307% | 1,017 |
| Cost of funding earning assets | 2.6580% | 761 |
| Net interest margin | 3.3727% | 2,178 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 3.0512% | 1,028 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.3843% | 3,656 |
| Return on assets (ROA) | 0.3843% | 3,680 |
| Pretax return on assets | 0.3995% | 3,758 |
| Return on Equity (ROE) | 4.4300% | 3,578 |
| Retained earnings to average equity (ytd only) | 4.4342% | 2,572 |
| Net charge-offs to loans | 0.0101% | 1,710 |
| Credit loss provision to net charge-offs | 750.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 888 |
| Efficiency ratio | 86.9848% | 737 |
| Assets per employee ($millions) | 6.1356% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,044 |
| Loan loss allowance to noncurrent loans | 40.6831% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 2.8215% | 83 |
| Noncurrent loans to loans | 2.5837% | 214 |
| Net loans and leases to total assets | 73.1000% | 1,447 |
| Net loans and leases to deposits | 88.8623% | 1,283 |
| Net loans and leases to core deposits | 103.4922% | 1,230 |
| Total domestic deposits to total assets | 82.2700% | 3,136 |
| Equity capital to assets | 8.7781% | 2,826 |
| Core capital (leverage) ratio | 8.9490% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2878% | 2,146 |
| Memoranda: | ||
| Average total assets | $105,138,500 | 3,783 |
| Average earning assets | $95,710,500 | 3,781 |
| Average equity | $9,111,000 | 3,864 |
| Average total loans | $79,026,500 | 3,445 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3978% | 1,317 |
| Cost of funding earning assets | 2.1382% | 716 |
| Net interest margin | 3.2596% | 2,733 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 3.3836% | 669 |
| Loan and lease loss provision to assets | 0.6600% | 120 |
| Net operating income to assets | -0.3110% | 4,488 |
| Return on assets (ROA) | -0.3110% | 4,473 |
| Pretax return on assets | -0.2750% | 4,447 |
| Return on Equity (ROE) | -3.7000% | 4,453 |
| Retained earnings to average equity (ytd only) | -6.2556% | 4,417 |
| Net charge-offs to loans | 0.9444% | 111 |
| Credit loss provision to net charge-offs | 89.4289% | 1,953 |
| Earnings coverage of net charge-offs (x) | 0.5237% | 2,811 |
| Efficiency ratio | 89.6989% | 420 |
| Assets per employee ($millions) | 6.2336% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,392 |
| Loan loss allowance to noncurrent loans | 59.7004% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 2.1175% | 123 |
| Noncurrent loans to loans | 1.6483% | 387 |
| Net loans and leases to total assets | 75.6800% | 1,157 |
| Net loans and leases to deposits | 91.7395% | 1,117 |
| Net loans and leases to core deposits | 110.2337% | 957 |
| Total domestic deposits to total assets | 82.4900% | 3,030 |
| Equity capital to assets | 8.5551% | 3,010 |
| Core capital (leverage) ratio | 8.7557% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6323% | 2,371 |
| Memoranda: | ||
| Average total assets | $110,919,000 | 3,735 |
| Average earning assets | $101,486,200 | 3,730 |
| Average equity | $9,335,600 | 3,786 |
| Average total loans | $87,143,800 | 3,330 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 1,410 |
| Cost of funding earning assets | 2.0251% | 676 |
| Net interest margin | 3.1991% | 2,916 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 3.2744% | 745 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.3823% | 3,994 |
| Return on assets (ROA) | 0.3823% | 3,991 |
| Pretax return on assets | 0.4167% | 4,038 |
| Return on Equity (ROE) | 4.4900% | 3,902 |
| Retained earnings to average equity (ytd only) | 1.1586% | 3,913 |
| Net charge-offs to loans | 0.0135% | 1,910 |
| Credit loss provision to net charge-offs | 1,577.7778% | 297 |
| Earnings coverage of net charge-offs (x) | 54.7778% | 1,259 |
| Efficiency ratio | 84.8354% | 569 |
| Assets per employee ($millions) | 4.6848% | 3,828 |
| Cash dividends to net income (ytd only)* | 74.2236% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,433 |
| Loan loss allowance to noncurrent loans | 34.7930% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.7712% | 82 |
| Noncurrent loans to loans | 3.4107% | 109 |
| Net loans and leases to total assets | 78.5900% | 809 |
| Net loans and leases to deposits | 95.3938% | 790 |
| Net loans and leases to core deposits | 110.4340% | 859 |
| Total domestic deposits to total assets | 82.3900% | 3,143 |
| Equity capital to assets | 8.8370% | 2,517 |
| Core capital (leverage) ratio | 9.2455% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1203% | 2,226 |
| Memoranda: | ||
| Average total assets | $112,304,250 | 3,735 |
| Average earning assets | $102,776,500 | 3,728 |
| Average equity | $9,551,500 | 3,764 |
| Average total loans | $88,851,750 | 3,304 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 1,493 |
| Cost of funding earning assets | 1.8926% | 617 |
| Net interest margin | 3.1467% | 3,112 |
| Noninterest income to average assets | 1.1600% | 466 |
| Noninterest expense to average assets | 3.3684% | 633 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.4217% | 3,964 |
| Return on assets (ROA) | 0.4217% | 3,968 |
| Pretax return on assets | 0.4551% | 4,036 |
| Return on Equity (ROE) | 5.0200% | 3,870 |
| Retained earnings to average equity (ytd only) | 2.7611% | 3,544 |
| Net charge-offs to loans | 0.0222% | 1,436 |
| Credit loss provision to net charge-offs | 1,250.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 38.4000% | 1,423 |
| Efficiency ratio | 83.3116% | 637 |
| Assets per employee ($millions) | 4.5174% | 3,941 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 2,860 |
| Loan loss allowance to noncurrent loans | 32.2050% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 2.7467% | 86 |
| Noncurrent loans to loans | 3.4725% | 112 |
| Net loans and leases to total assets | 78.2100% | 813 |
| Net loans and leases to deposits | 94.0552% | 856 |
| Net loans and leases to core deposits | 108.9941% | 868 |
| Total domestic deposits to total assets | 83.1600% | 3,007 |
| Equity capital to assets | 8.5731% | 2,806 |
| Core capital (leverage) ratio | 8.7657% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6156% | 2,428 |
| Memoranda: | ||
| Average total assets | $113,822,000 | 3,731 |
| Average earning assets | $104,301,333 | 3,736 |
| Average equity | $9,561,333 | 3,791 |
| Average total loans | $89,902,333 | 3,297 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 1,536 |
| Cost of funding earning assets | 1.7127% | 557 |
| Net interest margin | 3.1234% | 3,298 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 3.5601% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.2065% | 4,553 |
| Return on assets (ROA) | -0.2065% | 4,540 |
| Pretax return on assets | -0.1960% | 4,525 |
| Return on Equity (ROE) | -2.4800% | 4,516 |
| Retained earnings to average equity (ytd only) | -7.0308% | 4,399 |
| Net charge-offs to loans | -0.0044% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 105.8273% | 126 |
| Assets per employee ($millions) | 4.6819% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 3,595 |
| Loan loss allowance to noncurrent loans | 172.1790% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.0227% | 397 |
| Noncurrent loans to loans | 0.5695% | 1,304 |
| Net loans and leases to total assets | 76.3600% | 941 |
| Net loans and leases to deposits | 90.9176% | 983 |
| Net loans and leases to core deposits | 109.1446% | 729 |
| Total domestic deposits to total assets | 83.9800% | 3,099 |
| Equity capital to assets | 8.0694% | 3,193 |
| Core capital (leverage) ratio | 8.5346% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1087% | 2,695 |
| Memoranda: | ||
| Average total assets | $114,265,500 | 3,778 |
| Average earning assets | $104,630,000 | 3,776 |
| Average equity | $9,501,000 | 3,840 |
| Average total loans | $90,188,500 | 3,330 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 386 |
| Cost of funding earning assets | 0.6467% | 724 |
| Net interest margin | 4.2083% | 521 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 3.7062% | 415 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.5786% | 3,927 |
| Return on assets (ROA) | 0.5786% | 3,893 |
| Pretax return on assets | 0.5862% | 4,050 |
| Return on Equity (ROE) | 6.3300% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.0131% | 3,045 |
| Net charge-offs to loans | 0.2438% | 329 |
| Credit loss provision to net charge-offs | 94.9749% | 1,601 |
| Earnings coverage of net charge-offs (x) | 4.0352% | 2,431 |
| Efficiency ratio | 82.8602% | 551 |
| Assets per employee ($millions) | 4.1290% | 4,236 |
| Cash dividends to net income (ytd only)* | 20.7921% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,467 |
| Loan loss allowance to noncurrent loans | 222.1106% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 1,434 |
| Noncurrent loans to loans | 0.4416% | 1,600 |
| Net loans and leases to total assets | 80.0400% | 587 |
| Net loans and leases to deposits | 96.2030% | 624 |
| Net loans and leases to core deposits | 120.5224% | 363 |
| Total domestic deposits to total assets | 83.2000% | 3,376 |
| Equity capital to assets | 8.5725% | 2,655 |
| Core capital (leverage) ratio | 9.0537% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $104,744,400 | 3,889 |
| Average earning assets | $96,023,400 | 3,875 |
| Average equity | $9,575,000 | 3,921 |
| Average total loans | $81,633,400 | 3,392 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 278 |
| Cost of funding earning assets | 0.4825% | 829 |
| Net interest margin | 4.3302% | 321 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 3.8320% | 368 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.7426% | 3,443 |
| Return on assets (ROA) | 0.7426% | 3,392 |
| Pretax return on assets | 0.7529% | 3,684 |
| Return on Equity (ROE) | 7.9900% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.4024% | 2,593 |
| Net charge-offs to loans | 0.3438% | 184 |
| Credit loss provision to net charge-offs | 67.8049% | 1,463 |
| Earnings coverage of net charge-offs (x) | 3.5171% | 2,207 |
| Efficiency ratio | 80.4236% | 750 |
| Assets per employee ($millions) | 3.7165% | 4,426 |
| Cash dividends to net income (ytd only)* | 19.8606% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 3,731 |
| Loan loss allowance to noncurrent loans | 213.4021% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 1,259 |
| Noncurrent loans to loans | 0.4411% | 1,701 |
| Net loans and leases to total assets | 80.8500% | 458 |
| Net loans and leases to deposits | 92.5852% | 731 |
| Net loans and leases to core deposits | 115.4946% | 337 |
| Total domestic deposits to total assets | 87.3300% | 2,656 |
| Equity capital to assets | 8.8042% | 2,347 |
| Core capital (leverage) ratio | 9.3397% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $103,059,500 | 3,926 |
| Average earning assets | $94,495,750 | 3,916 |
| Average equity | $9,579,500 | 3,965 |
| Average total loans | $79,511,750 | 3,430 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 252 |
| Cost of funding earning assets | 0.4117% | 850 |
| Net interest margin | 4.2908% | 276 |
| Noninterest income to average assets | 0.9420% | 767 |
| Noninterest expense to average assets | 4.0045% | 282 |
| Loan and lease loss provision to assets | 0.1754% | 502 |
| Net operating income to assets | 0.6641% | 3,430 |
| Return on assets (ROA) | 0.6641% | 3,380 |
| Pretax return on assets | 0.6641% | 3,672 |
| Return on Equity (ROE) | 7.0138% | 3,311 |
| Retained earnings to average equity (ytd only) | 4.8909% | 2,743 |
| Net charge-offs to loans | 0.0104% | 1,593 |
| Credit loss provision to net charge-offs | 2,225.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 784 |
| Efficiency ratio | 82.6688% | 757 |
| Assets per employee ($millions) | 3.7603% | 4,470 |
| Cash dividends to net income (ytd only)* | 30.2671% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,660 |
| Loan loss allowance to noncurrent loans | 86.9449% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0979% | 409 |
| Noncurrent loans to loans | 1.3858% | 549 |
| Net loans and leases to total assets | 76.2423% | 704 |
| Net loans and leases to deposits | 83.7793% | 1,137 |
| Net loans and leases to core deposits | 104.1559% | 504 |
| Total domestic deposits to total assets | 91.0037% | 1,245 |
| Equity capital to assets | 8.8918% | 2,456 |
| Core capital (leverage) ratio | 9.5130% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,486,667 | 3,973 |
| Average earning assets | $92,290,000 | 3,991 |
| Average equity | $9,609,667 | 4,041 |
| Average total loans | $76,692,000 | 3,508 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 188 |
| Cost of funding earning assets | 0.4087% | 827 |
| Net interest margin | 4.4203% | 189 |
| Noninterest income to average assets | 1.3857% | 394 |
| Noninterest expense to average assets | 4.5187% | 202 |
| Loan and lease loss provision to assets | 0.1566% | 496 |
| Net operating income to assets | 0.7069% | 3,034 |
| Return on assets (ROA) | 0.7069% | 3,024 |
| Pretax return on assets | 0.7069% | 3,374 |
| Return on Equity (ROE) | 7.2328% | 2,965 |
| Retained earnings to average equity (ytd only) | 7.2328% | 1,821 |
| Net charge-offs to loans | 0.0323% | 982 |
| Credit loss provision to net charge-offs | 650.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 35.8333% | 1,058 |
| Efficiency ratio | 83.9552% | 855 |
| Assets per employee ($millions) | 3.3337% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,683 |
| Loan loss allowance to noncurrent loans | 114.4444% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 676 |
| Noncurrent loans to loans | 1.0789% | 831 |
| Net loans and leases to total assets | 71.7509% | 857 |
| Net loans and leases to deposits | 79.2212% | 1,198 |
| Net loans and leases to core deposits | 97.7214% | 584 |
| Total domestic deposits to total assets | 90.5704% | 1,258 |
| Equity capital to assets | 9.3231% | 2,424 |
| Core capital (leverage) ratio | 9.8766% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3293% | 2,066 |
| Memoranda: | ||
| Average total assets | $99,586,000 | 4,008 |
| Average earning assets | $90,039,000 | 4,022 |
| Average equity | $9,733,500 | 4,089 |
| Average total loans | $74,411,500 | 3,550 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6936% | 109 |
| Cost of funding earning assets | 0.6354% | 459 |
| Net interest margin | 5.0582% | 130 |
| Noninterest income to average assets | 0.7084% | 1,736 |
| Noninterest expense to average assets | 4.2185% | 248 |
| Loan and lease loss provision to assets | 0.1795% | 643 |
| Net operating income to assets | 0.8076% | 3,312 |
| Return on assets (ROA) | 0.8076% | 3,386 |
| Pretax return on assets | 0.7643% | 3,799 |
| Return on Equity (ROE) | 7.9303% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.9303% | 1,573 |
| Net charge-offs to loans | 0.1110% | 795 |
| Credit loss provision to net charge-offs | 220.7792% | 1,250 |
| Earnings coverage of net charge-offs (x) | 11.6104% | 2,146 |
| Efficiency ratio | 81.7178% | 700 |
| Assets per employee ($millions) | 3.4224% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,822 |
| Loan loss allowance to noncurrent loans | 189.4068% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 1,277 |
| Noncurrent loans to loans | 0.6400% | 1,557 |
| Net loans and leases to total assets | 76.0235% | 521 |
| Net loans and leases to deposits | 84.8278% | 860 |
| Net loans and leases to core deposits | 99.6457% | 552 |
| Total domestic deposits to total assets | 89.6209% | 1,158 |
| Equity capital to assets | 10.2602% | 2,417 |
| Core capital (leverage) ratio | 10.1462% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3547% | 2,098 |
| Memoranda: | ||
| Average total assets | $94,726,000 | 4,046 |
| Average earning assets | $83,409,400 | 4,087 |
| Average equity | $9,646,600 | 4,176 |
| Average total loans | $69,345,200 | 3,663 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8714% | 98 |
| Cost of funding earning assets | 0.6865% | 408 |
| Net interest margin | 5.1849% | 124 |
| Noninterest income to average assets | 0.7284% | 1,738 |
| Noninterest expense to average assets | 3.7789% | 348 |
| Loan and lease loss provision to assets | 0.1980% | 524 |
| Net operating income to assets | 1.3636% | 1,645 |
| Return on assets (ROA) | 1.3636% | 1,701 |
| Pretax return on assets | 1.3044% | 2,614 |
| Return on Equity (ROE) | 13.4160% | 1,571 |
| Retained earnings to average equity (ytd only) | 13.4160% | 580 |
| Net charge-offs to loans | 0.0938% | 774 |
| Credit loss provision to net charge-offs | 291.6667% | 1,017 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,688 |
| Efficiency ratio | 71.5584% | 1,441 |
| Assets per employee ($millions) | 3.6435% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,642 |
| Loan loss allowance to noncurrent loans | 201.1261% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 1,529 |
| Noncurrent loans to loans | 0.6302% | 1,734 |
| Net loans and leases to total assets | 73.4353% | 739 |
| Net loans and leases to deposits | 82.3637% | 1,084 |
| Net loans and leases to core deposits | 97.3700% | 681 |
| Total domestic deposits to total assets | 89.1598% | 1,191 |
| Equity capital to assets | 10.6776% | 2,282 |
| Core capital (leverage) ratio | 10.2232% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3196% | 1,857 |
| Memoranda: | ||
| Average total assets | $94,450,750 | 4,100 |
| Average earning assets | $82,931,250 | 4,145 |
| Average equity | $9,600,250 | 4,237 |
| Average total loans | $68,245,250 | 3,739 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2449% | 73 |
| Cost of funding earning assets | 0.7440% | 375 |
| Net interest margin | 5.5009% | 98 |
| Noninterest income to average assets | 0.5723% | 2,329 |
| Noninterest expense to average assets | 3.5631% | 433 |
| Loan and lease loss provision to assets | 0.1272% | 984 |
| Net operating income to assets | 1.7826% | 741 |
| Return on assets (ROA) | 1.7826% | 778 |
| Pretax return on assets | 1.6936% | 1,492 |
| Return on Equity (ROE) | 17.8392% | 672 |
| Retained earnings to average equity (ytd only) | 17.8392% | 230 |
| Net charge-offs to loans | -0.0356% | 4,226 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1811% | 2,128 |
| Assets per employee ($millions) | 3.7610% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,719 |
| Loan loss allowance to noncurrent loans | 165.6546% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 1,296 |
| Noncurrent loans to loans | 0.7494% | 1,596 |
| Net loans and leases to total assets | 73.8625% | 769 |
| Net loans and leases to deposits | 82.7712% | 1,144 |
| Net loans and leases to core deposits | 96.4798% | 784 |
| Total domestic deposits to total assets | 89.2370% | 1,169 |
| Equity capital to assets | 10.6098% | 2,301 |
| Core capital (leverage) ratio | 10.1439% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7900% | 1,694 |
| Memoranda: | ||
| Average total assets | $94,357,333 | 4,124 |
| Average earning assets | $82,531,667 | 4,177 |
| Average equity | $9,428,667 | 4,272 |
| Average total loans | $67,507,333 | 3,771 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9800% | 109 |
| Cost of funding earning assets | 0.8035% | 341 |
| Net interest margin | 5.1765% | 153 |
| Noninterest income to average assets | 0.4316% | 2,922 |
| Noninterest expense to average assets | 3.7197% | 360 |
| Loan and lease loss provision to assets | 0.1270% | 1,081 |
| Net operating income to assets | 1.0833% | 2,531 |
| Return on assets (ROA) | 1.0833% | 2,608 |
| Pretax return on assets | 1.0833% | 3,155 |
| Return on Equity (ROE) | 11.1851% | 2,306 |
| Retained earnings to average equity (ytd only) | 11.1851% | 1,357 |
| Net charge-offs to loans | -0.0121% | 3,750 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4506% | 1,190 |
| Assets per employee ($millions) | 3.3416% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,774 |
| Loan loss allowance to noncurrent loans | 293.3099% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 1,982 |
| Noncurrent loans to loans | 0.4185% | 2,600 |
| Net loans and leases to total assets | 69.1601% | 1,398 |
| Net loans and leases to deposits | 76.6927% | 1,837 |
| Net loans and leases to core deposits | 91.4513% | 1,145 |
| Total domestic deposits to total assets | 90.1782% | 732 |
| Equity capital to assets | 9.5246% | 3,175 |
| Core capital (leverage) ratio | 9.7359% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0738% | 1,877 |
| Memoranda: | ||
| Average total assets | $94,523,000 | 4,135 |
| Average earning assets | $82,141,000 | 4,191 |
| Average equity | $9,155,000 | 4,317 |
| Average total loans | $66,099,500 | 3,811 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5409% | 178 |
| Cost of funding earning assets | 1.1723% | 307 |
| Net interest margin | 4.3686% | 434 |
| Noninterest income to average assets | 0.5717% | 2,327 |
| Noninterest expense to average assets | 4.1212% | 334 |
| Loan and lease loss provision to assets | 0.1359% | 2,662 |
| Net operating income to assets | 0.3168% | 4,410 |
| Return on assets (ROA) | 0.3269% | 4,461 |
| Pretax return on assets | 0.2718% | 4,582 |
| Return on Equity (ROE) | 3.1846% | 4,330 |
| Retained earnings to average equity (ytd only) | 3.1846% | 3,238 |
| Net charge-offs to loans | 0.1374% | 1,171 |
| Credit loss provision to net charge-offs | 142.3529% | 2,467 |
| Earnings coverage of net charge-offs (x) | 4.1647% | 3,018 |
| Efficiency ratio | 91.2006% | 337 |
| Assets per employee ($millions) | 3.0713% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,719 |
| Loan loss allowance to noncurrent loans | 186.2791% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.9203% | 1,066 |
| Noncurrent loans to loans | 0.6683% | 2,014 |
| Net loans and leases to total assets | 68.9654% | 1,695 |
| Net loans and leases to deposits | 76.8544% | 2,189 |
| Net loans and leases to core deposits | 94.3812% | 1,220 |
| Total domestic deposits to total assets | 89.7351% | 665 |
| Equity capital to assets | 9.8547% | 3,259 |
| Core capital (leverage) ratio | 9.6207% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9528% | 1,866 |
| Memoranda: | ||
| Average total assets | $89,026,800 | 4,126 |
| Average earning assets | $80,437,800 | 4,159 |
| Average equity | $9,137,600 | 4,294 |
| Average total loans | $61,849,800 | 3,888 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 202 |
| Cost of funding earning assets | 1.2341% | 326 |
| Net interest margin | 4.3300% | 552 |
| Noninterest income to average assets | 0.5802% | 2,252 |
| Noninterest expense to average assets | 3.7862% | 464 |
| Loan and lease loss provision to assets | 0.1484% | 2,540 |
| Net operating income to assets | 0.6980% | 3,467 |
| Return on assets (ROA) | 0.7116% | 3,525 |
| Pretax return on assets | 0.6300% | 4,050 |
| Return on Equity (ROE) | 6.8617% | 3,252 |
| Retained earnings to average equity (ytd only) | 6.8617% | 1,753 |
| Net charge-offs to loans | 0.1611% | 916 |
| Credit loss provision to net charge-offs | 132.4324% | 2,434 |
| Earnings coverage of net charge-offs (x) | 6.8378% | 2,621 |
| Efficiency ratio | 83.2005% | 661 |
| Assets per employee ($millions) | 3.0608% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,417 |
| Loan loss allowance to noncurrent loans | 167.5159% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 1,153 |
| Noncurrent loans to loans | 0.7432% | 1,949 |
| Net loans and leases to total assets | 68.1587% | 2,221 |
| Net loans and leases to deposits | 76.4111% | 2,706 |
| Net loans and leases to core deposits | 92.2730% | 1,771 |
| Total domestic deposits to total assets | 89.2000% | 686 |
| Equity capital to assets | 10.3698% | 2,900 |
| Core capital (leverage) ratio | 9.9253% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0025% | 1,494 |
| Memoranda: | ||
| Average total assets | $88,248,750 | 4,143 |
| Average earning assets | $80,922,500 | 4,155 |
| Average equity | $9,152,000 | 4,308 |
| Average total loans | $61,226,000 | 3,911 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5369% | 320 |
| Cost of funding earning assets | 1.2867% | 384 |
| Net interest margin | 4.2501% | 825 |
| Noninterest income to average assets | 0.5537% | 2,336 |
| Noninterest expense to average assets | 3.7332% | 547 |
| Loan and lease loss provision to assets | 0.1172% | 2,850 |
| Net operating income to assets | 0.6364% | 3,621 |
| Return on assets (ROA) | 0.6570% | 3,651 |
| Pretax return on assets | 0.6547% | 3,963 |
| Return on Equity (ROE) | 6.3354% | 3,387 |
| Retained earnings to average equity (ytd only) | 6.3354% | 1,927 |
| Net charge-offs to loans | 0.1421% | 1,006 |
| Credit loss provision to net charge-offs | 118.6047% | 2,293 |
| Earnings coverage of net charge-offs (x) | 7.6047% | 2,354 |
| Efficiency ratio | 83.2480% | 682 |
| Assets per employee ($millions) | 3.1120% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,385 |
| Loan loss allowance to noncurrent loans | 114.8588% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 664 |
| Noncurrent loans to loans | 1.0663% | 1,455 |
| Net loans and leases to total assets | 66.7763% | 2,527 |
| Net loans and leases to deposits | 74.5971% | 3,019 |
| Net loans and leases to core deposits | 89.3141% | 2,130 |
| Total domestic deposits to total assets | 89.5160% | 564 |
| Equity capital to assets | 9.9860% | 3,220 |
| Core capital (leverage) ratio | 10.0530% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7855% | 1,550 |
| Memoranda: | ||
| Average total assets | $87,057,000 | 4,162 |
| Average earning assets | $80,515,000 | 4,159 |
| Average equity | $9,028,667 | 4,337 |
| Average total loans | $60,509,667 | 3,935 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8653% | 197 |
| Cost of funding earning assets | 1.3682% | 457 |
| Net interest margin | 4.4971% | 505 |
| Noninterest income to average assets | 0.6865% | 1,693 |
| Noninterest expense to average assets | 4.1046% | 450 |
| Loan and lease loss provision to assets | 0.1335% | 2,058 |
| Net operating income to assets | 0.6007% | 3,589 |
| Return on assets (ROA) | 0.6007% | 3,649 |
| Pretax return on assets | 0.6007% | 3,916 |
| Return on Equity (ROE) | 5.6747% | 3,429 |
| Retained earnings to average equity (ytd only) | 5.6747% | 1,999 |
| Net charge-offs to loans | 0.1013% | 1,077 |
| Credit loss provision to net charge-offs | 186.6667% | 1,457 |
| Earnings coverage of net charge-offs (x) | 10.2667% | 1,773 |
| Efficiency ratio | 84.8276% | 780 |
| Assets per employee ($millions) | 3.0623% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,190 |
| Loan loss allowance to noncurrent loans | 108.2058% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.7109% | 569 |
| Noncurrent loans to loans | 1.1914% | 1,374 |
| Net loans and leases to total assets | 69.4739% | 2,324 |
| Net loans and leases to deposits | 77.8924% | 2,897 |
| Net loans and leases to core deposits | 94.1922% | 1,957 |
| Total domestic deposits to total assets | 89.1921% | 589 |
| Equity capital to assets | 10.3274% | 3,494 |
| Core capital (leverage) ratio | 10.5987% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,905,000 | 4,210 |
| Average earning assets | $77,472,000 | 4,210 |
| Average equity | $8,881,500 | 4,381 |
| Average total loans | $59,206,500 | 3,971 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8743% | 278 |
| Cost of funding earning assets | 1.2572% | 871 |
| Net interest margin | 4.6171% | 551 |
| Noninterest income to average assets | 0.6076% | 2,181 |
| Noninterest expense to average assets | 3.9579% | 557 |
| Loan and lease loss provision to assets | 0.1801% | 1,155 |
| Net operating income to assets | 0.5464% | 4,300 |
| Return on assets (ROA) | 0.5416% | 4,364 |
| Pretax return on assets | 0.6797% | 4,256 |
| Return on Equity (ROE) | 5.2243% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.2243% | 2,299 |
| Net charge-offs to loans | 0.3133% | 662 |
| Credit loss provision to net charge-offs | 84.2697% | 2,744 |
| Earnings coverage of net charge-offs (x) | 4.0506% | 3,266 |
| Efficiency ratio | 82.0513% | 796 |
| Assets per employee ($millions) | 2.8299% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 1,846 |
| Loan loss allowance to noncurrent loans | 99.2218% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.8022% | 485 |
| Noncurrent loans to loans | 1.3278% | 1,128 |
| Net loans and leases to total assets | 69.8222% | 2,426 |
| Net loans and leases to deposits | 78.8683% | 2,920 |
| Net loans and leases to core deposits | 97.1500% | 1,803 |
| Total domestic deposits to total assets | 88.5301% | 872 |
| Equity capital to assets | 10.8545% | 3,136 |
| Core capital (leverage) ratio | 10.4480% | 3,006 |
| Tier 1 risk-based capital ratio | 16.0410% | 2,390 |
| Total risk-based capital ratio | 17.2911% | 2,336 |
| Memoranda: | ||
| Average total assets | $83,276,800 | 4,238 |
| Average earning assets | $76,043,000 | 4,250 |
| Average equity | $8,632,800 | 4,428 |
| Average total loans | $56,820,200 | 4,033 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7908% | 354 |
| Cost of funding earning assets | 1.2192% | 986 |
| Net interest margin | 4.5716% | 657 |
| Noninterest income to average assets | 0.5950% | 2,227 |
| Noninterest expense to average assets | 3.7393% | 709 |
| Loan and lease loss provision to assets | 0.2233% | 771 |
| Net operating income to assets | 0.7026% | 4,007 |
| Return on assets (ROA) | 0.6955% | 4,086 |
| Pretax return on assets | 0.7817% | 4,169 |
| Return on Equity (ROE) | 6.7879% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.7879% | 1,959 |
| Net charge-offs to loans | 0.3728% | 454 |
| Credit loss provision to net charge-offs | 88.6076% | 2,410 |
| Earnings coverage of net charge-offs (x) | 4.0190% | 3,050 |
| Efficiency ratio | 78.6841% | 1,040 |
| Assets per employee ($millions) | 3.1701% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,668 |
| Loan loss allowance to noncurrent loans | 77.3453% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.9978% | 440 |
| Noncurrent loans to loans | 1.7781% | 807 |
| Net loans and leases to total assets | 64.9321% | 3,187 |
| Net loans and leases to deposits | 72.9791% | 3,556 |
| Net loans and leases to core deposits | 89.4227% | 2,594 |
| Total domestic deposits to total assets | 88.9735% | 617 |
| Equity capital to assets | 10.3839% | 3,651 |
| Core capital (leverage) ratio | 10.4622% | 3,137 |
| Tier 1 risk-based capital ratio | 16.1722% | 2,367 |
| Total risk-based capital ratio | 17.4236% | 2,302 |
| Memoranda: | ||
| Average total assets | $83,579,250 | 4,284 |
| Average earning assets | $76,003,750 | 4,302 |
| Average equity | $8,564,000 | 4,487 |
| Average total loans | $56,508,750 | 4,088 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7529% | 362 |
| Cost of funding earning assets | 1.1702% | 1,076 |
| Net interest margin | 4.5827% | 641 |
| Noninterest income to average assets | 0.5235% | 2,548 |
| Noninterest expense to average assets | 3.7487% | 704 |
| Loan and lease loss provision to assets | 0.2292% | 716 |
| Net operating income to assets | 0.6454% | 4,181 |
| Return on assets (ROA) | 0.6344% | 4,257 |
| Pretax return on assets | 0.6996% | 4,329 |
| Return on Equity (ROE) | 6.2204% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.2204% | 2,180 |
| Net charge-offs to loans | 0.3571% | 469 |
| Credit loss provision to net charge-offs | 94.0594% | 2,083 |
| Earnings coverage of net charge-offs (x) | 3.8614% | 2,790 |
| Efficiency ratio | 79.9383% | 969 |
| Assets per employee ($millions) | 3.0327% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 1,647 |
| Loan loss allowance to noncurrent loans | 67.3801% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 2.0161% | 459 |
| Noncurrent loans to loans | 2.0664% | 679 |
| Net loans and leases to total assets | 65.6374% | 3,153 |
| Net loans and leases to deposits | 73.6664% | 3,548 |
| Net loans and leases to core deposits | 91.1613% | 2,489 |
| Total domestic deposits to total assets | 89.1009% | 622 |
| Equity capital to assets | 10.2161% | 3,783 |
| Core capital (leverage) ratio | 10.3653% | 3,230 |
| Tier 1 risk-based capital ratio | 15.8915% | 2,462 |
| Total risk-based capital ratio | 17.1423% | 2,401 |
| Memoranda: | ||
| Average total assets | $82,907,670 | 4,331 |
| Average earning assets | $75,371,000 | 4,347 |
| Average equity | $8,456,000 | 4,525 |
| Average total loans | $56,560,670 | 4,113 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7098% | 361 |
| Cost of funding earning assets | 1.1160% | 1,139 |
| Net interest margin | 4.5938% | 615 |
| Noninterest income to average assets | 0.4786% | 2,689 |
| Noninterest expense to average assets | 3.7312% | 715 |
| Loan and lease loss provision to assets | 0.2686% | 518 |
| Net operating income to assets | 0.6544% | 4,075 |
| Return on assets (ROA) | 0.6300% | 4,186 |
| Pretax return on assets | 0.5958% | 4,524 |
| Return on Equity (ROE) | 6.1822% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.1822% | 2,377 |
| Net charge-offs to loans | 0.3888% | 398 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 3.3091% | 2,411 |
| Efficiency ratio | 80.7611% | 985 |
| Assets per employee ($millions) | 2.9553% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,618 |
| Loan loss allowance to noncurrent loans | 52.8314% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.0834% | 446 |
| Noncurrent loans to loans | 2.6782% | 460 |
| Net loans and leases to total assets | 66.7714% | 2,937 |
| Net loans and leases to deposits | 74.9037% | 3,366 |
| Net loans and leases to core deposits | 90.8899% | 2,410 |
| Total domestic deposits to total assets | 89.1429% | 796 |
| Equity capital to assets | 10.2033% | 3,616 |
| Core capital (leverage) ratio | 10.5319% | 3,013 |
| Tier 1 risk-based capital ratio | 16.0006% | 2,438 |
| Total risk-based capital ratio | 17.2535% | 2,383 |
| Memoranda: | ||
| Average total assets | $81,904,000 | 4,385 |
| Average earning assets | $73,838,000 | 4,421 |
| Average equity | $8,346,500 | 4,565 |
| Average total loans | $56,579,500 | 4,154 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5024% | 398 |
| Cost of funding earning assets | 0.9521% | 916 |
| Net interest margin | 4.5503% | 693 |
| Noninterest income to average assets | 0.8342% | 1,354 |
| Noninterest expense to average assets | 4.3208% | 359 |
| Loan and lease loss provision to assets | 0.1646% | 1,233 |
| Net operating income to assets | 0.4281% | 4,813 |
| Return on assets (ROA) | 0.4281% | 4,808 |
| Pretax return on assets | 0.5159% | 4,776 |
| Return on Equity (ROE) | 4.3878% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.3878% | 3,131 |
| Net charge-offs to loans | 0.5624% | 308 |
| Credit loss provision to net charge-offs | 41.7957% | 3,269 |
| Earnings coverage of net charge-offs (x) | 1.7276% | 3,599 |
| Efficiency ratio | 86.3936% | 507 |
| Assets per employee ($millions) | 3.1177% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 1,684 |
| Loan loss allowance to noncurrent loans | 51.2605% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 2.1848% | 407 |
| Noncurrent loans to loans | 2.7086% | 417 |
| Net loans and leases to total assets | 69.4806% | 2,656 |
| Net loans and leases to deposits | 77.9044% | 3,175 |
| Net loans and leases to core deposits | 92.8914% | 2,330 |
| Total domestic deposits to total assets | 89.1870% | 781 |
| Equity capital to assets | 10.1776% | 3,492 |
| Core capital (leverage) ratio | 10.8889% | 2,640 |
| Tier 1 risk-based capital ratio | 15.6242% | 2,569 |
| Total risk-based capital ratio | 16.8759% | 2,486 |
| Memoranda: | ||
| Average total assets | $81,997,800 | 4,402 |
| Average earning assets | $75,094,600 | 4,401 |
| Average equity | $7,999,400 | 4,607 |
| Average total loans | $57,433,600 | 4,157 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3756% | 452 |
| Cost of funding earning assets | 0.9384% | 781 |
| Net interest margin | 4.4372% | 834 |
| Noninterest income to average assets | 0.6534% | 2,055 |
| Noninterest expense to average assets | 4.3891% | 325 |
| Loan and lease loss provision to assets | 0.1378% | 1,453 |
| Net operating income to assets | 0.2529% | 5,149 |
| Return on assets (ROA) | 0.2529% | 5,143 |
| Pretax return on assets | 0.2205% | 5,193 |
| Return on Equity (ROE) | 2.6206% | 5,055 |
| Retained earnings to average equity (ytd only) | 2.6206% | 4,361 |
| Net charge-offs to loans | 0.6051% | 244 |
| Credit loss provision to net charge-offs | 32.5670% | 2,954 |
| Earnings coverage of net charge-offs (x) | 0.8467% | 3,387 |
| Efficiency ratio | 92.4522% | 273 |
| Assets per employee ($millions) | 2.9355% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,500 |
| Loan loss allowance to noncurrent loans | 51.6688% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.8615% | 268 |
| Noncurrent loans to loans | 2.8182% | 413 |
| Net loans and leases to total assets | 71.3786% | 2,430 |
| Net loans and leases to deposits | 80.3466% | 3,000 |
| Net loans and leases to core deposits | 92.3013% | 2,448 |
| Total domestic deposits to total assets | 88.8384% | 902 |
| Equity capital to assets | 10.5000% | 3,141 |
| Core capital (leverage) ratio | 10.3714% | 3,210 |
| Tier 1 risk-based capital ratio | 15.9242% | 2,474 |
| Total risk-based capital ratio | 17.1775% | 2,409 |
| Memoranda: | ||
| Average total assets | $82,232,250 | 4,440 |
| Average earning assets | $75,871,250 | 4,429 |
| Average equity | $7,936,750 | 4,664 |
| Average total loans | $57,513,500 | 4,195 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2413% | 520 |
| Cost of funding earning assets | 0.9263% | 648 |
| Net interest margin | 4.3150% | 1,007 |
| Noninterest income to average assets | 0.5368% | 2,658 |
| Noninterest expense to average assets | 4.3158% | 353 |
| Loan and lease loss provision to assets | 0.1425% | 1,363 |
| Net operating income to assets | 0.1093% | 5,287 |
| Return on assets (ROA) | 0.1093% | 5,279 |
| Pretax return on assets | 0.0618% | 5,307 |
| Return on Equity (ROE) | 1.1629% | 5,258 |
| Retained earnings to average equity (ytd only) | 1.1629% | 4,719 |
| Net charge-offs to loans | 0.7312% | 198 |
| Credit loss provision to net charge-offs | 28.1690% | 2,637 |
| Earnings coverage of net charge-offs (x) | 0.4038% | 3,126 |
| Efficiency ratio | 95.4808% | 230 |
| Assets per employee ($millions) | 2.8990% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 1,461 |
| Loan loss allowance to noncurrent loans | 52.4715% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.7509% | 293 |
| Noncurrent loans to loans | 2.8195% | 424 |
| Net loans and leases to total assets | 67.9298% | 2,881 |
| Net loans and leases to deposits | 75.8877% | 3,347 |
| Net loans and leases to core deposits | 86.6164% | 2,861 |
| Total domestic deposits to total assets | 89.5136% | 734 |
| Equity capital to assets | 9.7768% | 3,845 |
| Core capital (leverage) ratio | 10.0404% | 3,535 |
| Tier 1 risk-based capital ratio | 15.2616% | 2,751 |
| Total risk-based capital ratio | 16.5153% | 2,681 |
| Memoranda: | ||
| Average total assets | $84,201,670 | 4,446 |
| Average earning assets | $77,729,000 | 4,444 |
| Average equity | $7,911,000 | 4,711 |
| Average total loans | $58,256,670 | 4,211 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1227% | 560 |
| Cost of funding earning assets | 0.9567% | 457 |
| Net interest margin | 4.1660% | 1,261 |
| Noninterest income to average assets | 0.3453% | 3,835 |
| Noninterest expense to average assets | 4.2699% | 368 |
| Loan and lease loss provision to assets | 0.2100% | 772 |
| Net operating income to assets | -0.3173% | 5,473 |
| Return on assets (ROA) | -0.3173% | 5,468 |
| Pretax return on assets | -0.2940% | 5,465 |
| Return on Equity (ROE) | -3.4437% | 5,479 |
| Retained earnings to average equity (ytd only) | -3.4437% | 5,110 |
| Net charge-offs to loans | 1.5151% | 92 |
| Credit loss provision to net charge-offs | 20.0000% | 2,126 |
| Earnings coverage of net charge-offs (x) | -0.0800% | 2,658 |
| Efficiency ratio | 102.0067% | 158 |
| Assets per employee ($millions) | 2.7678% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,915 |
| Loan loss allowance to noncurrent loans | 50.5682% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.6435% | 334 |
| Noncurrent loans to loans | 2.7303% | 463 |
| Net loans and leases to total assets | 68.9035% | 2,648 |
| Net loans and leases to deposits | 76.6194% | 3,148 |
| Net loans and leases to core deposits | 86.0788% | 2,798 |
| Total domestic deposits to total assets | 89.9295% | 688 |
| Equity capital to assets | 9.4105% | 4,172 |
| Core capital (leverage) ratio | 9.2444% | 4,386 |
| Tier 1 risk-based capital ratio | 14.5357% | 3,102 |
| Total risk-based capital ratio | 15.7872% | 3,005 |
| Memoranda: | ||
| Average total assets | $85,716,500 | 4,459 |
| Average earning assets | $79,021,500 | 4,464 |
| Average equity | $7,898,500 | 4,763 |
| Average total loans | $59,401,000 | 4,211 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9220% | 765 |
| Cost of funding earning assets | 1.0565% | 159 |
| Net interest margin | 3.8655% | 2,204 |
| Noninterest income to average assets | 0.4218% | 3,491 |
| Noninterest expense to average assets | 3.5580% | 952 |
| Loan and lease loss provision to assets | 1.4706% | 61 |
| Net operating income to assets | -0.6735% | 5,559 |
| Return on assets (ROA) | -0.6495% | 5,554 |
| Pretax return on assets | -0.9692% | 5,595 |
| Return on Equity (ROE) | -7.8633% | 5,575 |
| Retained earnings to average equity (ytd only) | -7.8633% | 5,500 |
| Net charge-offs to loans | 2.8895% | 45 |
| Credit loss provision to net charge-offs | 75.1174% | 3,010 |
| Earnings coverage of net charge-offs (x) | 0.2379% | 4,003 |
| Efficiency ratio | 88.4264% | 507 |
| Assets per employee ($millions) | 2.9466% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 1,107 |
| Loan loss allowance to noncurrent loans | 60.8939% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.2421% | 452 |
| Noncurrent loans to loans | 2.6502% | 484 |
| Net loans and leases to total assets | 67.6554% | 2,874 |
| Net loans and leases to deposits | 74.9599% | 3,433 |
| Net loans and leases to core deposits | 90.8367% | 2,479 |
| Total domestic deposits to total assets | 90.2554% | 481 |
| Equity capital to assets | 9.0307% | 4,687 |
| Core capital (leverage) ratio | 8.5209% | 5,122 |
| Tier 1 risk-based capital ratio | 14.0123% | 3,353 |
| Total risk-based capital ratio | 15.2680% | 3,257 |
| Memoranda: | ||
| Average total assets | $97,920,000 | 4,274 |
| Average earning assets | $91,244,200 | 4,259 |
| Average equity | $8,088,200 | 4,773 |
| Average total loans | $66,343,800 | 4,041 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 959 |
| Cost of funding earning assets | 1.0361% | 158 |
| Net interest margin | 3.7455% | 2,591 |
| Noninterest income to average assets | 0.4068% | 3,641 |
| Noninterest expense to average assets | 3.4283% | 1,107 |
| Loan and lease loss provision to assets | 1.8079% | 45 |
| Net operating income to assets | -0.9677% | 5,666 |
| Return on assets (ROA) | -0.9677% | 5,666 |
| Pretax return on assets | -1.3359% | 5,690 |
| Return on Equity (ROE) | -11.9618% | 5,681 |
| Retained earnings to average equity (ytd only) | -11.9618% | 5,628 |
| Net charge-offs to loans | 3.4743% | 34 |
| Credit loss provision to net charge-offs | 77.0538% | 2,626 |
| Earnings coverage of net charge-offs (x) | 0.2011% | 3,686 |
| Efficiency ratio | 87.9005% | 515 |
| Assets per employee ($millions) | 3.2906% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,124 |
| Loan loss allowance to noncurrent loans | 42.0024% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.8333% | 335 |
| Noncurrent loans to loans | 3.9353% | 255 |
| Net loans and leases to total assets | 63.4650% | 3,491 |
| Net loans and leases to deposits | 69.3798% | 4,012 |
| Net loans and leases to core deposits | 86.6604% | 2,903 |
| Total domestic deposits to total assets | 91.4748% | 102 |
| Equity capital to assets | 7.8333% | 5,559 |
| Core capital (leverage) ratio | 7.7688% | 5,581 |
| Tier 1 risk-based capital ratio | 12.7639% | 4,161 |
| Total risk-based capital ratio | 14.0205% | 4,059 |
| Memoranda: | ||
| Average total assets | $100,300,500 | 4,276 |
| Average earning assets | $93,550,500 | 4,248 |
| Average equity | $8,114,500 | 4,824 |
| Average total loans | $67,733,000 | 4,048 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 904 |
| Cost of funding earning assets | 1.0282% | 147 |
| Net interest margin | 3.7483% | 2,477 |
| Noninterest income to average assets | 0.5018% | 3,012 |
| Noninterest expense to average assets | 3.4812% | 1,039 |
| Loan and lease loss provision to assets | 1.9142% | 47 |
| Net operating income to assets | -0.9025% | 5,712 |
| Return on assets (ROA) | -0.9025% | 5,712 |
| Pretax return on assets | -1.3865% | 5,740 |
| Return on Equity (ROE) | -11.0415% | 5,725 |
| Retained earnings to average equity (ytd only) | -11.0415% | 5,667 |
| Net charge-offs to loans | 1.9283% | 89 |
| Credit loss provision to net charge-offs | 144.8949% | 1,554 |
| Earnings coverage of net charge-offs (x) | 0.3994% | 3,379 |
| Efficiency ratio | 86.8382% | 617 |
| Assets per employee ($millions) | 3.0979% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6369% | 240 |
| Loan loss allowance to noncurrent loans | 68.7133% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.8316% | 344 |
| Noncurrent loans to loans | 3.8376% | 265 |
| Net loans and leases to total assets | 65.4420% | 3,186 |
| Net loans and leases to deposits | 71.7768% | 3,763 |
| Net loans and leases to core deposits | 89.6074% | 2,559 |
| Total domestic deposits to total assets | 91.1744% | 179 |
| Equity capital to assets | 8.0862% | 5,499 |
| Core capital (leverage) ratio | 7.7508% | 5,598 |
| Tier 1 risk-based capital ratio | 12.9077% | 4,056 |
| Total risk-based capital ratio | 14.1767% | 3,966 |
| Memoranda: | ||
| Average total assets | $100,827,670 | 4,292 |
| Average earning assets | $94,337,000 | 4,259 |
| Average equity | $8,241,670 | 4,817 |
| Average total loans | $69,075,670 | 4,040 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 582 |
| Cost of funding earning assets | 1.0182% | 152 |
| Net interest margin | 3.9172% | 1,720 |
| Noninterest income to average assets | 0.4721% | 3,177 |
| Noninterest expense to average assets | 3.5525% | 972 |
| Loan and lease loss provision to assets | 0.6491% | 156 |
| Net operating income to assets | -0.0787% | 5,639 |
| Return on assets (ROA) | -0.0787% | 5,646 |
| Pretax return on assets | -0.0669% | 5,627 |
| Return on Equity (ROE) | -0.9576% | 5,653 |
| Retained earnings to average equity (ytd only) | -0.9576% | 5,056 |
| Net charge-offs to loans | 1.2120% | 146 |
| Credit loss provision to net charge-offs | 77.4648% | 1,770 |
| Earnings coverage of net charge-offs (x) | 0.6948% | 2,804 |
| Efficiency ratio | 85.9182% | 809 |
| Assets per employee ($millions) | 3.3408% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0616% | 597 |
| Loan loss allowance to noncurrent loans | 91.3269% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.8365% | 761 |
| Noncurrent loans to loans | 2.2574% | 740 |
| Net loans and leases to total assets | 64.7226% | 3,164 |
| Net loans and leases to deposits | 71.0191% | 3,695 |
| Net loans and leases to core deposits | 89.7876% | 2,369 |
| Total domestic deposits to total assets | 91.1341% | 265 |
| Equity capital to assets | 8.0761% | 5,486 |
| Core capital (leverage) ratio | 8.2124% | 5,440 |
| Tier 1 risk-based capital ratio | 13.1386% | 4,003 |
| Total risk-based capital ratio | 14.3994% | 3,903 |
| Memoranda: | ||
| Average total assets | $101,675,500 | 4,319 |
| Average earning assets | $95,067,500 | 4,291 |
| Average equity | $8,354,500 | 4,834 |
| Average total loans | $70,298,000 | 4,042 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 383 |
| Cost of funding earning assets | 0.9190% | 271 |
| Net interest margin | 4.3249% | 889 |
| Noninterest income to average assets | 0.5937% | 2,695 |
| Noninterest expense to average assets | 3.0230% | 2,278 |
| Loan and lease loss provision to assets | 0.8986% | 119 |
| Net operating income to assets | 0.5092% | 4,594 |
| Return on assets (ROA) | 0.5177% | 4,644 |
| Pretax return on assets | 0.7416% | 4,369 |
| Return on Equity (ROE) | 6.1201% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.1201% | 1,645 |
| Net charge-offs to loans | 0.4232% | 612 |
| Credit loss provision to net charge-offs | 293.7086% | 1,000 |
| Earnings coverage of net charge-offs (x) | 5.3212% | 3,361 |
| Efficiency ratio | 64.9967% | 3,762 |
| Assets per employee ($millions) | 3.4409% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 632 |
| Loan loss allowance to noncurrent loans | 108.8872% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5643% | 1,036 |
| Noncurrent loans to loans | 1.8557% | 1,011 |
| Net loans and leases to total assets | 70.8486% | 2,359 |
| Net loans and leases to deposits | 78.0088% | 3,103 |
| Net loans and leases to core deposits | 101.0592% | 1,530 |
| Total domestic deposits to total assets | 90.8214% | 333 |
| Equity capital to assets | 8.3629% | 5,380 |
| Core capital (leverage) ratio | 8.3031% | 5,434 |
| Tier 1 risk-based capital ratio | 12.7528% | 4,233 |
| Total risk-based capital ratio | 14.0133% | 4,114 |
| Memoranda: | ||
| Average total assets | $98,709,400 | 4,370 |
| Average earning assets | $92,603,200 | 4,336 |
| Average equity | $8,349,600 | 4,876 |
| Average total loans | $71,359,000 | 4,011 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2444% | 398 |
| Cost of funding earning assets | 0.8971% | 302 |
| Net interest margin | 4.3473% | 846 |
| Noninterest income to average assets | 0.6677% | 2,332 |
| Noninterest expense to average assets | 3.1084% | 2,007 |
| Loan and lease loss provision to assets | 0.3318% | 492 |
| Net operating income to assets | 0.8683% | 3,055 |
| Return on assets (ROA) | 0.8790% | 3,140 |
| Pretax return on assets | 1.3260% | 2,326 |
| Return on Equity (ROE) | 10.3621% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.3621% | 505 |
| Net charge-offs to loans | 0.5115% | 415 |
| Credit loss provision to net charge-offs | 89.7436% | 2,532 |
| Earnings coverage of net charge-offs (x) | 4.4396% | 3,270 |
| Efficiency ratio | 65.4405% | 3,682 |
| Assets per employee ($millions) | 3.1492% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 3,423 |
| Loan loss allowance to noncurrent loans | 147.7273% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 2,578 |
| Noncurrent loans to loans | 0.7925% | 2,691 |
| Net loans and leases to total assets | 70.7871% | 2,378 |
| Net loans and leases to deposits | 78.2560% | 3,159 |
| Net loans and leases to core deposits | 104.8381% | 1,282 |
| Total domestic deposits to total assets | 90.4559% | 336 |
| Equity capital to assets | 8.5885% | 5,481 |
| Core capital (leverage) ratio | 8.4854% | 5,370 |
| Tier 1 risk-based capital ratio | 12.8605% | 4,246 |
| Total risk-based capital ratio | 14.1108% | 4,154 |
| Memoranda: | ||
| Average total assets | $98,440,250 | 4,405 |
| Average earning assets | $92,439,250 | 4,377 |
| Average equity | $8,350,750 | 4,927 |
| Average total loans | $71,160,000 | 4,040 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 401 |
| Cost of funding earning assets | 0.8679% | 342 |
| Net interest margin | 4.3702% | 814 |
| Noninterest income to average assets | 0.7352% | 1,988 |
| Noninterest expense to average assets | 3.0677% | 2,148 |
| Loan and lease loss provision to assets | 0.3277% | 511 |
| Net operating income to assets | 0.9645% | 2,549 |
| Return on assets (ROA) | 0.9645% | 2,696 |
| Pretax return on assets | 1.4438% | 1,861 |
| Return on Equity (ROE) | 11.4191% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.4191% | 389 |
| Net charge-offs to loans | 0.4236% | 537 |
| Credit loss provision to net charge-offs | 106.6667% | 2,006 |
| Earnings coverage of net charge-offs (x) | 5.7667% | 2,823 |
| Efficiency ratio | 63.3940% | 4,121 |
| Assets per employee ($millions) | 3.2216% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 3,164 |
| Loan loss allowance to noncurrent loans | 128.5298% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.0233% | 2,092 |
| Noncurrent loans to loans | 0.9600% | 2,360 |
| Net loans and leases to total assets | 70.7673% | 2,356 |
| Net loans and leases to deposits | 78.1659% | 3,140 |
| Net loans and leases to core deposits | 103.4560% | 1,366 |
| Total domestic deposits to total assets | 90.5348% | 305 |
| Equity capital to assets | 8.5190% | 5,584 |
| Core capital (leverage) ratio | 8.4763% | 5,383 |
| Tier 1 risk-based capital ratio | 12.7115% | 4,380 |
| Total risk-based capital ratio | 13.9616% | 4,282 |
| Memoranda: | ||
| Average total assets | $97,662,330 | 4,458 |
| Average earning assets | $91,711,330 | 4,428 |
| Average equity | $8,249,330 | 4,983 |
| Average total loans | $70,820,000 | 4,077 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 420 |
| Cost of funding earning assets | 0.8584% | 369 |
| Net interest margin | 4.3407% | 846 |
| Noninterest income to average assets | 0.8202% | 1,555 |
| Noninterest expense to average assets | 3.1359% | 2,002 |
| Loan and lease loss provision to assets | 0.3728% | 388 |
| Net operating income to assets | 1.0398% | 2,120 |
| Return on assets (ROA) | 1.0398% | 2,244 |
| Pretax return on assets | 1.3753% | 1,980 |
| Return on Equity (ROE) | 12.3645% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.3645% | 452 |
| Net charge-offs to loans | 0.4202% | 536 |
| Credit loss provision to net charge-offs | 121.6216% | 1,431 |
| Earnings coverage of net charge-offs (x) | 5.7027% | 2,303 |
| Efficiency ratio | 64.2070% | 4,089 |
| Assets per employee ($millions) | 3.1664% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 3,170 |
| Loan loss allowance to noncurrent loans | 102.3015% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 2,204 |
| Noncurrent loans to loans | 1.2233% | 1,978 |
| Net loans and leases to total assets | 71.4631% | 2,119 |
| Net loans and leases to deposits | 78.8299% | 2,913 |
| Net loans and leases to core deposits | 105.1664% | 1,127 |
| Total domestic deposits to total assets | 90.6548% | 378 |
| Equity capital to assets | 8.4243% | 5,619 |
| Core capital (leverage) ratio | 8.4019% | 5,478 |
| Tier 1 risk-based capital ratio | 12.4156% | 4,638 |
| Total risk-based capital ratio | 13.6666% | 4,541 |
| Memoranda: | ||
| Average total assets | $96,558,000 | 4,521 |
| Average earning assets | $90,400,000 | 4,491 |
| Average equity | $8,120,000 | 5,035 |
| Average total loans | $70,450,500 | 4,105 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 619 |
| Cost of funding earning assets | 0.8770% | 320 |
| Net interest margin | 4.1329% | 1,331 |
| Noninterest income to average assets | 0.6582% | 2,418 |
| Noninterest expense to average assets | 3.0222% | 2,471 |
| Loan and lease loss provision to assets | 0.6959% | 145 |
| Net operating income to assets | 0.5674% | 4,432 |
| Return on assets (ROA) | 0.5766% | 4,488 |
| Pretax return on assets | 0.8497% | 4,023 |
| Return on Equity (ROE) | 7.2599% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.2599% | 1,176 |
| Net charge-offs to loans | 0.8878% | 241 |
| Credit loss provision to net charge-offs | 114.4578% | 2,226 |
| Earnings coverage of net charge-offs (x) | 2.5198% | 3,887 |
| Efficiency ratio | 66.3603% | 3,847 |
| Assets per employee ($millions) | 3.0632% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 3,177 |
| Loan loss allowance to noncurrent loans | 123.1312% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 2,433 |
| Noncurrent loans to loans | 1.0148% | 2,311 |
| Net loans and leases to total assets | 72.6556% | 1,948 |
| Net loans and leases to deposits | 80.0253% | 2,822 |
| Net loans and leases to core deposits | 106.4674% | 1,073 |
| Total domestic deposits to total assets | 90.7908% | 339 |
| Equity capital to assets | 8.3941% | 5,633 |
| Core capital (leverage) ratio | 8.3109% | 5,596 |
| Tier 1 risk-based capital ratio | 12.1792% | 4,837 |
| Total risk-based capital ratio | 13.4300% | 4,743 |
| Memoranda: | ||
| Average total assets | $95,558,200 | 4,549 |
| Average earning assets | $90,082,200 | 4,502 |
| Average equity | $7,589,600 | 5,133 |
| Average total loans | $65,439,600 | 4,219 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 732 |
| Cost of funding earning assets | 0.8826% | 314 |
| Net interest margin | 4.0402% | 1,583 |
| Noninterest income to average assets | 0.6659% | 2,406 |
| Noninterest expense to average assets | 2.9868% | 2,566 |
| Loan and lease loss provision to assets | 0.7244% | 111 |
| Net operating income to assets | 0.5348% | 4,657 |
| Return on assets (ROA) | 0.5405% | 4,724 |
| Pretax return on assets | 0.7829% | 4,390 |
| Return on Equity (ROE) | 6.9029% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.9029% | 1,736 |
| Net charge-offs to loans | 1.0321% | 182 |
| Credit loss provision to net charge-offs | 104.4177% | 2,192 |
| Earnings coverage of net charge-offs (x) | 2.1607% | 3,720 |
| Efficiency ratio | 66.5839% | 3,788 |
| Assets per employee ($millions) | 3.1448% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 3,691 |
| Loan loss allowance to noncurrent loans | 115.5271% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 2,474 |
| Noncurrent loans to loans | 1.0341% | 2,405 |
| Net loans and leases to total assets | 71.0951% | 2,219 |
| Net loans and leases to deposits | 78.3163% | 3,067 |
| Net loans and leases to core deposits | 97.5863% | 1,737 |
| Total domestic deposits to total assets | 90.7795% | 314 |
| Equity capital to assets | 8.2644% | 5,841 |
| Core capital (leverage) ratio | 8.0903% | 5,850 |
| Tier 1 risk-based capital ratio | 12.1148% | 5,016 |
| Total risk-based capital ratio | 13.3650% | 4,924 |
| Memoranda: | ||
| Average total assets | $95,708,000 | 4,601 |
| Average earning assets | $90,487,500 | 4,541 |
| Average equity | $7,494,250 | 5,213 |
| Average total loans | $64,333,000 | 4,293 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 858 |
| Cost of funding earning assets | 0.8852% | 310 |
| Net interest margin | 3.9338% | 1,876 |
| Noninterest income to average assets | 0.6614% | 2,408 |
| Noninterest expense to average assets | 3.0573% | 2,373 |
| Loan and lease loss provision to assets | 0.9775% | 72 |
| Net operating income to assets | 0.2912% | 5,465 |
| Return on assets (ROA) | 0.3016% | 5,534 |
| Pretax return on assets | 0.3640% | 5,548 |
| Return on Equity (ROE) | 3.9225% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.9225% | 3,509 |
| Net charge-offs to loans | 1.3460% | 137 |
| Credit loss provision to net charge-offs | 110.5882% | 1,916 |
| Earnings coverage of net charge-offs (x) | 1.5035% | 3,502 |
| Efficiency ratio | 69.7013% | 3,383 |
| Assets per employee ($millions) | 3.1867% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 3,349 |
| Loan loss allowance to noncurrent loans | 487.7193% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 4,557 |
| Noncurrent loans to loans | 0.2625% | 4,733 |
| Net loans and leases to total assets | 67.2737% | 2,752 |
| Net loans and leases to deposits | 73.6848% | 3,528 |
| Net loans and leases to core deposits | 90.0796% | 2,339 |
| Total domestic deposits to total assets | 91.2993% | 229 |
| Equity capital to assets | 7.8231% | 6,038 |
| Core capital (leverage) ratio | 7.8033% | 6,016 |
| Tier 1 risk-based capital ratio | 11.9952% | 5,156 |
| Total risk-based capital ratio | 13.2460% | 5,050 |
| Memoranda: | ||
| Average total assets | $96,162,670 | 4,629 |
| Average earning assets | $91,056,000 | 4,578 |
| Average equity | $7,393,330 | 5,283 |
| Average total loans | $63,149,000 | 4,362 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 1,087 |
| Cost of funding earning assets | 0.9136% | 267 |
| Net interest margin | 3.7593% | 2,399 |
| Noninterest income to average assets | 0.5889% | 2,704 |
| Noninterest expense to average assets | 2.9987% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8005% | 3,257 |
| Return on assets (ROA) | 0.8005% | 3,384 |
| Pretax return on assets | 1.1572% | 2,847 |
| Return on Equity (ROE) | 10.5027% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.5027% | 812 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1557% | 3,148 |
| Assets per employee ($millions) | 3.2416% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,688 |
| Loan loss allowance to noncurrent loans | 149.4318% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 3,483 |
| Noncurrent loans to loans | 0.8364% | 3,152 |
| Net loans and leases to total assets | 64.1069% | 3,077 |
| Net loans and leases to deposits | 70.3301% | 3,719 |
| Net loans and leases to core deposits | 83.7232% | 2,807 |
| Total domestic deposits to total assets | 91.1514% | 311 |
| Equity capital to assets | 7.8388% | 6,093 |
| Core capital (leverage) ratio | 7.7646% | 6,043 |
| Tier 1 risk-based capital ratio | 12.4878% | 4,914 |
| Total risk-based capital ratio | 13.7384% | 4,827 |
| Memoranda: | ||
| Average total assets | $96,443,000 | 4,655 |
| Average earning assets | $91,506,500 | 4,605 |
| Average equity | $7,350,500 | 5,333 |
| Average total loans | $62,149,000 | 4,427 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 1,105 |
| Cost of funding earning assets | 1.0174% | 216 |
| Net interest margin | 3.7877% | 2,670 |
| Noninterest income to average assets | 0.6059% | 2,821 |
| Noninterest expense to average assets | 2.9209% | 3,081 |
| Loan and lease loss provision to assets | 0.0770% | 2,941 |
| Net operating income to assets | 0.7907% | 3,424 |
| Return on assets (ROA) | 0.7907% | 3,517 |
| Pretax return on assets | 1.1822% | 2,723 |
| Return on Equity (ROE) | 10.6427% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.6427% | 423 |
| Net charge-offs to loans | 0.1588% | 2,449 |
| Credit loss provision to net charge-offs | 75.2688% | 2,962 |
| Earnings coverage of net charge-offs (x) | 12.3118% | 2,392 |
| Efficiency ratio | 69.8763% | 3,549 |
| Assets per employee ($millions) | 3.4157% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 3,481 |
| Loan loss allowance to noncurrent loans | 184.3458% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 3,881 |
| Noncurrent loans to loans | 0.6997% | 3,586 |
| Net loans and leases to total assets | 63.1311% | 3,341 |
| Net loans and leases to deposits | 68.8084% | 4,049 |
| Net loans and leases to core deposits | 81.6669% | 3,139 |
| Total domestic deposits to total assets | 91.7492% | 185 |
| Equity capital to assets | 7.4007% | 6,257 |
| Core capital (leverage) ratio | 7.4369% | 6,225 |
| Tier 1 risk-based capital ratio | 12.1007% | 5,295 |
| Total risk-based capital ratio | 13.3525% | 5,199 |
| Memoranda: | ||
| Average total assets | $90,931,600 | 4,816 |
| Average earning assets | $85,803,800 | 4,741 |
| Average equity | $6,755,800 | 5,467 |
| Average total loans | $58,550,200 | 4,531 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 1,072 |
| Cost of funding earning assets | 1.0310% | 212 |
| Net interest margin | 3.7913% | 2,651 |
| Noninterest income to average assets | 0.6224% | 2,733 |
| Noninterest expense to average assets | 2.8982% | 3,126 |
| Loan and lease loss provision to assets | 0.0743% | 2,854 |
| Net operating income to assets | 0.8081% | 3,397 |
| Return on assets (ROA) | 0.8081% | 3,489 |
| Pretax return on assets | 1.2226% | 2,688 |
| Return on Equity (ROE) | 10.8658% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.8658% | 541 |
| Net charge-offs to loans | 0.1865% | 1,973 |
| Credit loss provision to net charge-offs | 61.7284% | 2,914 |
| Earnings coverage of net charge-offs (x) | 10.7775% | 2,504 |
| Efficiency ratio | 69.0864% | 3,663 |
| Assets per employee ($millions) | 3.3073% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 3,604 |
| Loan loss allowance to noncurrent loans | 138.4752% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 3,633 |
| Noncurrent loans to loans | 0.9446% | 3,202 |
| Net loans and leases to total assets | 63.6351% | 3,240 |
| Net loans and leases to deposits | 69.6195% | 3,963 |
| Net loans and leases to core deposits | 83.1365% | 2,981 |
| Total domestic deposits to total assets | 91.4042% | 256 |
| Equity capital to assets | 7.4868% | 6,305 |
| Core capital (leverage) ratio | 7.4273% | 6,306 |
| Tier 1 risk-based capital ratio | 12.1739% | 5,386 |
| Total risk-based capital ratio | 13.4262% | 5,301 |
| Memoranda: | ||
| Average total assets | $89,754,750 | 4,900 |
| Average earning assets | $84,578,500 | 4,821 |
| Average equity | $6,675,250 | 5,538 |
| Average total loans | $57,896,000 | 4,597 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 1,025 |
| Cost of funding earning assets | 1.0113% | 245 |
| Net interest margin | 3.8155% | 2,508 |
| Noninterest income to average assets | 0.6148% | 2,740 |
| Noninterest expense to average assets | 2.8805% | 3,237 |
| Loan and lease loss provision to assets | 0.1126% | 2,144 |
| Net operating income to assets | 0.7950% | 3,362 |
| Return on assets (ROA) | 0.7950% | 3,459 |
| Pretax return on assets | 1.2161% | 2,591 |
| Return on Equity (ROE) | 10.7143% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.7143% | 582 |
| Net charge-offs to loans | 0.0454% | 3,330 |
| Credit loss provision to net charge-offs | 384.6154% | 713 |
| Earnings coverage of net charge-offs (x) | 45.3846% | 969 |
| Efficiency ratio | 68.4323% | 3,930 |
| Assets per employee ($millions) | 3.4341% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 3,082 |
| Loan loss allowance to noncurrent loans | 169.8000% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 3,928 |
| Noncurrent loans to loans | 0.8589% | 3,555 |
| Net loans and leases to total assets | 64.2497% | 3,035 |
| Net loans and leases to deposits | 70.3670% | 3,773 |
| Net loans and leases to core deposits | 83.9064% | 2,749 |
| Total domestic deposits to total assets | 91.3066% | 309 |
| Equity capital to assets | 7.5902% | 6,330 |
| Core capital (leverage) ratio | 7.5766% | 6,288 |
| Tier 1 risk-based capital ratio | 12.2799% | 5,368 |
| Total risk-based capital ratio | 13.5354% | 5,287 |
| Memoranda: | ||
| Average total assets | $88,805,330 | 4,955 |
| Average earning assets | $83,658,330 | 4,877 |
| Average equity | $6,589,330 | 5,587 |
| Average total loans | $57,291,670 | 4,646 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 1,019 |
| Cost of funding earning assets | 1.0016% | 273 |
| Net interest margin | 3.8099% | 2,433 |
| Noninterest income to average assets | 0.6278% | 2,579 |
| Noninterest expense to average assets | 2.9041% | 3,199 |
| Loan and lease loss provision to assets | 0.1355% | 1,790 |
| Net operating income to assets | 0.7768% | 3,266 |
| Return on assets (ROA) | 0.7768% | 3,350 |
| Pretax return on assets | 1.1788% | 2,575 |
| Return on Equity (ROE) | 10.5919% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.5919% | 820 |
| Net charge-offs to loans | 0.1056% | 2,126 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,378 |
| Efficiency ratio | 68.8437% | 4,035 |
| Assets per employee ($millions) | 3.2876% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 3,426 |
| Loan loss allowance to noncurrent loans | 228.4530% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 4,655 |
| Noncurrent loans to loans | 0.6296% | 4,288 |
| Net loans and leases to total assets | 63.8443% | 2,922 |
| Net loans and leases to deposits | 69.7682% | 3,635 |
| Net loans and leases to core deposits | 82.9909% | 2,644 |
| Total domestic deposits to total assets | 91.5091% | 375 |
| Equity capital to assets | 7.4127% | 6,340 |
| Core capital (leverage) ratio | 7.5154% | 6,331 |
| Tier 1 risk-based capital ratio | 12.1851% | 5,518 |
| Total risk-based capital ratio | 13.2842% | 5,554 |
| Memoranda: | ||
| Average total assets | $88,565,000 | 5,004 |
| Average earning assets | $83,466,000 | 4,932 |
| Average equity | $6,495,500 | 5,636 |
| Average total loans | $56,830,000 | 4,692 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 1,220 |
| Cost of funding earning assets | 1.1068% | 274 |
| Net interest margin | 3.7354% | 2,920 |
| Noninterest income to average assets | 0.7911% | 2,123 |
| Noninterest expense to average assets | 3.1585% | 2,552 |
| Loan and lease loss provision to assets | 0.0647% | 3,836 |
| Net operating income to assets | 0.7334% | 3,643 |
| Return on assets (ROA) | 0.7334% | 3,722 |
| Pretax return on assets | 1.0960% | 2,964 |
| Return on Equity (ROE) | 10.1344% | 2,059 |
| Retained earnings to average equity (ytd only) | 10.1344% | 544 |
| Net charge-offs to loans | 0.2520% | 2,458 |
| Credit loss provision to net charge-offs | 40.7407% | 4,030 |
| Earnings coverage of net charge-offs (x) | 7.3037% | 2,871 |
| Efficiency ratio | 73.1262% | 3,272 |
| Assets per employee ($millions) | 3.2727% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 3,439 |
| Loan loss allowance to noncurrent loans | 250.6173% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 4,557 |
| Noncurrent loans to loans | 0.5769% | 4,540 |
| Net loans and leases to total assets | 62.6375% | 3,265 |
| Net loans and leases to deposits | 68.2529% | 4,016 |
| Net loans and leases to core deposits | 81.0642% | 2,999 |
| Total domestic deposits to total assets | 91.7727% | 339 |
| Equity capital to assets | 7.2552% | 6,382 |
| Core capital (leverage) ratio | 7.4478% | 6,393 |
| Tier 1 risk-based capital ratio | 12.0446% | 5,587 |
| Total risk-based capital ratio | 13.2987% | 5,524 |
| Memoranda: | ||
| Average total assets | $84,945,200 | 5,119 |
| Average earning assets | $80,231,600 | 5,031 |
| Average equity | $6,147,400 | 5,776 |
| Average total loans | $53,564,200 | 4,828 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 1,351 |
| Cost of funding earning assets | 1.1235% | 270 |
| Net interest margin | 3.6727% | 3,142 |
| Noninterest income to average assets | 0.7769% | 2,254 |
| Noninterest expense to average assets | 3.1331% | 2,557 |
| Loan and lease loss provision to assets | 0.0159% | 4,696 |
| Net operating income to assets | 0.7484% | 3,606 |
| Return on assets (ROA) | 0.7484% | 3,736 |
| Pretax return on assets | 1.0956% | 3,132 |
| Return on Equity (ROE) | 10.3481% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.3481% | 721 |
| Net charge-offs to loans | 0.1209% | 3,340 |
| Credit loss provision to net charge-offs | 20.8333% | 4,062 |
| Earnings coverage of net charge-offs (x) | 14.6038% | 1,932 |
| Efficiency ratio | 73.8140% | 3,101 |
| Assets per employee ($millions) | 3.1418% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,071 |
| Loan loss allowance to noncurrent loans | 140.4605% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 3,936 |
| Noncurrent loans to loans | 1.1284% | 3,546 |
| Net loans and leases to total assets | 62.5128% | 3,258 |
| Net loans and leases to deposits | 68.3460% | 4,022 |
| Net loans and leases to core deposits | 81.8639% | 2,886 |
| Total domestic deposits to total assets | 91.4652% | 378 |
| Equity capital to assets | 7.3984% | 6,425 |
| Core capital (leverage) ratio | 7.3591% | 6,492 |
| Tier 1 risk-based capital ratio | 12.1849% | 5,658 |
| Total risk-based capital ratio | 13.4572% | 5,576 |
| Memoranda: | ||
| Average total assets | $84,090,500 | 5,186 |
| Average earning assets | $79,395,750 | 5,102 |
| Average equity | $6,081,500 | 5,873 |
| Average total loans | $52,915,000 | 4,889 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 1,406 |
| Cost of funding earning assets | 1.1182% | 310 |
| Net interest margin | 3.6479% | 3,181 |
| Noninterest income to average assets | 0.7776% | 2,289 |
| Noninterest expense to average assets | 3.0771% | 2,736 |
| Loan and lease loss provision to assets | 0.0239% | 4,438 |
| Net operating income to assets | 0.7442% | 3,597 |
| Return on assets (ROA) | 0.7442% | 3,750 |
| Pretax return on assets | 1.1164% | 3,030 |
| Return on Equity (ROE) | 10.3712% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.3712% | 766 |
| Net charge-offs to loans | 0.0114% | 4,648 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 159.3333% | 310 |
| Efficiency ratio | 72.9638% | 3,316 |
| Assets per employee ($millions) | 2.9645% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 2,757 |
| Loan loss allowance to noncurrent loans | 179.2829% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 4,094 |
| Noncurrent loans to loans | 0.9524% | 4,027 |
| Net loans and leases to total assets | 62.4176% | 3,217 |
| Net loans and leases to deposits | 68.3947% | 3,952 |
| Net loans and leases to core deposits | 81.9224% | 2,808 |
| Total domestic deposits to total assets | 91.2610% | 459 |
| Equity capital to assets | 7.3054% | 6,511 |
| Core capital (leverage) ratio | 7.0196% | 6,608 |
| Tier 1 risk-based capital ratio | 11.9781% | 5,802 |
| Total risk-based capital ratio | 13.2537% | 5,739 |
| Memoranda: | ||
| Average total assets | $83,844,330 | 5,229 |
| Average earning assets | $79,059,000 | 5,139 |
| Average equity | $6,016,670 | 5,933 |
| Average total loans | $52,592,330 | 4,929 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6983% | 1,541 |
| Cost of funding earning assets | 1.1079% | 363 |
| Net interest margin | 3.5905% | 3,299 |
| Noninterest income to average assets | 0.7453% | 2,356 |
| Noninterest expense to average assets | 2.9859% | 3,033 |
| Loan and lease loss provision to assets | 0.0475% | 3,824 |
| Net operating income to assets | 0.6931% | 3,726 |
| Return on assets (ROA) | 0.6931% | 3,870 |
| Pretax return on assets | 1.0966% | 2,962 |
| Return on Equity (ROE) | 9.7447% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.7447% | 1,169 |
| Net charge-offs to loans | 0.0381% | 3,496 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 48.2000% | 691 |
| Efficiency ratio | 72.2989% | 3,565 |
| Assets per employee ($millions) | 2.8974% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 2,921 |
| Loan loss allowance to noncurrent loans | 140.5956% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 4,395 |
| Noncurrent loans to loans | 1.2243% | 3,731 |
| Net loans and leases to total assets | 58.9202% | 3,623 |
| Net loans and leases to deposits | 64.4363% | 4,263 |
| Net loans and leases to core deposits | 79.2284% | 2,900 |
| Total domestic deposits to total assets | 91.4394% | 372 |
| Equity capital to assets | 6.9730% | 6,717 |
| Core capital (leverage) ratio | 6.9357% | 6,661 |
| Tier 1 risk-based capital ratio | 11.5495% | 6,154 |
| Total risk-based capital ratio | 12.8240% | 6,112 |
| Memoranda: | ||
| Average total assets | $84,263,000 | 5,258 |
| Average earning assets | $79,432,500 | 5,169 |
| Average equity | $5,993,000 | 5,984 |
| Average total loans | $52,533,000 | 4,963 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 855 |
| Cost of funding earning assets | 1.2512% | 459 |
| Net interest margin | 4.0846% | 2,063 |
| Noninterest income to average assets | 0.8164% | 2,191 |
| Noninterest expense to average assets | 3.3116% | 2,299 |
| Loan and lease loss provision to assets | 0.2563% | 2,600 |
| Net operating income to assets | 0.7074% | 3,702 |
| Return on assets (ROA) | 0.7074% | 3,958 |
| Pretax return on assets | 1.0599% | 3,323 |
| Return on Equity (ROE) | 9.7382% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.7382% | 647 |
| Net charge-offs to loans | 0.1732% | 3,992 |
| Credit loss provision to net charge-offs | 222.2222% | 1,130 |
| Earnings coverage of net charge-offs (x) | 11.4111% | 2,033 |
| Efficiency ratio | 71.5591% | 3,509 |
| Assets per employee ($millions) | 2.7202% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 2,990 |
| Loan loss allowance to noncurrent loans | 185.0622% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 4,936 |
| Noncurrent loans to loans | 0.9102% | 4,359 |
| Net loans and leases to total assets | 63.7988% | 2,933 |
| Net loans and leases to deposits | 69.9950% | 3,714 |
| Net loans and leases to core deposits | 83.0285% | 2,664 |
| Total domestic deposits to total assets | 91.1476% | 445 |
| Equity capital to assets | 7.2606% | 6,705 |
| Core capital (leverage) ratio | 7.1528% | 6,654 |
| Tier 1 risk-based capital ratio | 11.4540% | 6,133 |
| Total risk-based capital ratio | 12.5664% | 6,172 |
| Memoranda: | ||
| Average total assets | $78,029,000 | 5,409 |
| Average earning assets | $72,809,200 | 5,344 |
| Average equity | $5,668,400 | 6,111 |
| Average total loans | $51,952,800 | 5,020 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3694% | 889 |
| Cost of funding earning assets | 1.2715% | 499 |
| Net interest margin | 4.0980% | 2,099 |
| Noninterest income to average assets | 0.8262% | 2,136 |
| Noninterest expense to average assets | 3.2929% | 2,293 |
| Loan and lease loss provision to assets | 0.1296% | 3,934 |
| Net operating income to assets | 0.8124% | 3,388 |
| Return on assets (ROA) | 0.8124% | 3,628 |
| Pretax return on assets | 1.2255% | 2,887 |
| Return on Equity (ROE) | 11.1817% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.1817% | 653 |
| Net charge-offs to loans | 0.1006% | 4,379 |
| Credit loss provision to net charge-offs | 192.3077% | 1,443 |
| Earnings coverage of net charge-offs (x) | 20.1021% | 1,461 |
| Efficiency ratio | 70.8442% | 3,525 |
| Assets per employee ($millions) | 2.8423% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 3,875 |
| Loan loss allowance to noncurrent loans | 135.6551% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 4,806 |
| Noncurrent loans to loans | 1.1194% | 4,189 |
| Net loans and leases to total assets | 66.6558% | 2,532 |
| Net loans and leases to deposits | 73.4259% | 3,379 |
| Net loans and leases to core deposits | 87.5596% | 2,264 |
| Total domestic deposits to total assets | 90.7797% | 487 |
| Equity capital to assets | 7.3745% | 6,798 |
| Core capital (leverage) ratio | 7.1035% | 6,771 |
| Tier 1 risk-based capital ratio | 11.2169% | 6,390 |
| Total risk-based capital ratio | 12.4908% | 6,353 |
| Memoranda: | ||
| Average total assets | $77,135,000 | 5,485 |
| Average earning assets | $71,936,250 | 5,432 |
| Average equity | $5,604,250 | 6,190 |
| Average total loans | $51,702,250 | 5,090 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3901% | 885 |
| Cost of funding earning assets | 1.3003% | 531 |
| Net interest margin | 4.0898% | 2,132 |
| Noninterest income to average assets | 0.8517% | 1,961 |
| Noninterest expense to average assets | 3.3020% | 2,295 |
| Loan and lease loss provision to assets | 0.0786% | 4,625 |
| Net operating income to assets | 0.8491% | 3,152 |
| Return on assets (ROA) | 0.8491% | 3,424 |
| Pretax return on assets | 1.2710% | 2,647 |
| Return on Equity (ROE) | 11.7476% | 1,753 |
| Retained earnings to average equity (ytd only) | 11.7476% | 625 |
| Net charge-offs to loans | 0.0510% | 4,690 |
| Credit loss provision to net charge-offs | 230.7692% | 1,236 |
| Earnings coverage of net charge-offs (x) | 39.6154% | 882 |
| Efficiency ratio | 70.9859% | 3,602 |
| Assets per employee ($millions) | 2.8323% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 4,114 |
| Loan loss allowance to noncurrent loans | 158.8469% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 5,189 |
| Noncurrent loans to loans | 0.9317% | 4,647 |
| Net loans and leases to total assets | 67.0719% | 2,450 |
| Net loans and leases to deposits | 73.8863% | 3,311 |
| Net loans and leases to core deposits | 88.3628% | 2,170 |
| Total domestic deposits to total assets | 90.7771% | 532 |
| Equity capital to assets | 7.1599% | 6,876 |
| Core capital (leverage) ratio | 7.0146% | 6,815 |
| Tier 1 risk-based capital ratio | 10.7311% | 6,602 |
| Total risk-based capital ratio | 12.0036% | 6,582 |
| Memoranda: | ||
| Average total assets | $76,318,330 | 5,539 |
| Average earning assets | $70,907,670 | 5,495 |
| Average equity | $5,516,000 | 6,238 |
| Average total loans | $50,981,000 | 5,152 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3206% | 1,055 |
| Cost of funding earning assets | 1.3059% | 619 |
| Net interest margin | 4.0147% | 2,442 |
| Noninterest income to average assets | 0.8286% | 2,038 |
| Noninterest expense to average assets | 3.3090% | 2,255 |
| Loan and lease loss provision to assets | 0.0802% | 4,393 |
| Net operating income to assets | 0.8232% | 3,277 |
| Return on assets (ROA) | 0.8232% | 3,507 |
| Pretax return on assets | 1.2028% | 2,902 |
| Return on Equity (ROE) | 11.3339% | 1,894 |
| Retained earnings to average equity (ytd only) | 11.3339% | 956 |
| Net charge-offs to loans | 0.0566% | 3,931 |
| Credit loss provision to net charge-offs | 214.2857% | 1,274 |
| Earnings coverage of net charge-offs (x) | 34.2857% | 834 |
| Efficiency ratio | 72.0605% | 3,433 |
| Assets per employee ($millions) | 2.9361% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,971 |
| Loan loss allowance to noncurrent loans | 198.9924% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 5,609 |
| Noncurrent loans to loans | 0.7759% | 5,111 |
| Net loans and leases to total assets | 63.5454% | 2,938 |
| Net loans and leases to deposits | 69.8711% | 3,751 |
| Net loans and leases to core deposits | 82.7937% | 2,712 |
| Total domestic deposits to total assets | 90.9466% | 582 |
| Equity capital to assets | 6.9455% | 6,941 |
| Core capital (leverage) ratio | 7.0856% | 6,805 |
| Tier 1 risk-based capital ratio | 10.6565% | 6,692 |
| Total risk-based capital ratio | 11.9284% | 6,660 |
| Memoranda: | ||
| Average total assets | $74,826,000 | 5,624 |
| Average earning assets | $70,142,500 | 5,557 |
| Average equity | $5,435,000 | 6,296 |
| Average total loans | $49,477,000 | 5,248 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 825 |
| Cost of funding earning assets | 1.3082% | 1,445 |
| Net interest margin | 4.3634% | 1,502 |
| Noninterest income to average assets | 0.9537% | 1,496 |
| Noninterest expense to average assets | 3.5980% | 1,745 |
| Loan and lease loss provision to assets | 0.2623% | 3,596 |
| Net operating income to assets | 0.7611% | 3,215 |
| Return on assets (ROA) | 0.7611% | 3,374 |
| Pretax return on assets | 1.1645% | 2,598 |
| Return on Equity (ROE) | 9.8664% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.8664% | 597 |
| Net charge-offs to loans | 0.0536% | 5,785 |
| Credit loss provision to net charge-offs | 720.8333% | 300 |
| Earnings coverage of net charge-offs (x) | 39.2083% | 687 |
| Efficiency ratio | 71.6053% | 3,658 |
| Assets per employee ($millions) | 2.5135% | 6,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 3,435 |
| Loan loss allowance to noncurrent loans | 237.6900% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 5,697 |
| Noncurrent loans to loans | 0.6884% | 5,326 |
| Net loans and leases to total assets | 66.7922% | 2,626 |
| Net loans and leases to deposits | 74.1318% | 3,481 |
| Net loans and leases to core deposits | 87.3298% | 2,459 |
| Total domestic deposits to total assets | 90.0992% | 940 |
| Equity capital to assets | 7.6217% | 6,761 |
| Core capital (leverage) ratio | 7.3103% | 6,741 |
| Tier 1 risk-based capital ratio | 11.2308% | 6,331 |
| Total risk-based capital ratio | 12.5070% | 6,285 |
| Memoranda: | ||
| Average total assets | $65,953,400 | 5,866 |
| Average earning assets | $61,534,600 | 5,818 |
| Average equity | $5,088,000 | 6,412 |
| Average total loans | $44,747,600 | 5,478 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7277% | 809 |
| Cost of funding earning assets | 1.3324% | 1,541 |
| Net interest margin | 4.3953% | 1,420 |
| Noninterest income to average assets | 0.9807% | 1,390 |
| Noninterest expense to average assets | 3.5488% | 1,814 |
| Loan and lease loss provision to assets | 0.3249% | 2,936 |
| Net operating income to assets | 0.8101% | 3,114 |
| Return on assets (ROA) | 0.8101% | 3,276 |
| Pretax return on assets | 1.2172% | 2,575 |
| Return on Equity (ROE) | 10.4666% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.4666% | 736 |
| Net charge-offs to loans | 0.0515% | 5,465 |
| Credit loss provision to net charge-offs | 929.4118% | 287 |
| Earnings coverage of net charge-offs (x) | 44.1103% | 719 |
| Efficiency ratio | 69.7092% | 3,999 |
| Assets per employee ($millions) | 2.6230% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 3,294 |
| Loan loss allowance to noncurrent loans | 246.4968% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 5,866 |
| Noncurrent loans to loans | 0.6876% | 5,515 |
| Net loans and leases to total assets | 63.3899% | 3,434 |
| Net loans and leases to deposits | 70.2610% | 4,256 |
| Net loans and leases to core deposits | 82.6990% | 3,227 |
| Total domestic deposits to total assets | 90.2206% | 760 |
| Equity capital to assets | 7.4483% | 6,943 |
| Core capital (leverage) ratio | 7.2282% | 6,892 |
| Tier 1 risk-based capital ratio | 11.2530% | 6,398 |
| Total risk-based capital ratio | 12.5305% | 6,366 |
| Memoranda: | ||
| Average total assets | $64,847,250 | 5,943 |
| Average earning assets | $60,639,500 | 5,884 |
| Average equity | $5,019,000 | 6,493 |
| Average total loans | $43,987,250 | 5,559 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7529% | 789 |
| Cost of funding earning assets | 1.3294% | 1,762 |
| Net interest margin | 4.4235% | 1,305 |
| Noninterest income to average assets | 1.0564% | 1,176 |
| Noninterest expense to average assets | 3.5796% | 1,787 |
| Loan and lease loss provision to assets | 0.4073% | 2,397 |
| Net operating income to assets | 0.8273% | 2,954 |
| Return on assets (ROA) | 0.8273% | 3,064 |
| Pretax return on assets | 1.2091% | 2,448 |
| Return on Equity (ROE) | 10.5398% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.5398% | 741 |
| Net charge-offs to loans | 0.0276% | 5,441 |
| Credit loss provision to net charge-offs | 2,133.3333% | 156 |
| Earnings coverage of net charge-offs (x) | 84.6667% | 410 |
| Efficiency ratio | 68.8916% | 4,343 |
| Assets per employee ($millions) | 2.6385% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 3,312 |
| Loan loss allowance to noncurrent loans | 279.6296% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 6,045 |
| Noncurrent loans to loans | 0.6092% | 5,703 |
| Net loans and leases to total assets | 63.5054% | 3,579 |
| Net loans and leases to deposits | 70.7045% | 4,338 |
| Net loans and leases to core deposits | 84.1432% | 3,192 |
| Total domestic deposits to total assets | 89.8181% | 1,064 |
| Equity capital to assets | 7.4152% | 6,985 |
| Core capital (leverage) ratio | 7.2821% | 6,875 |
| Tier 1 risk-based capital ratio | 11.3758% | 6,267 |
| Total risk-based capital ratio | 12.6540% | 6,230 |
| Memoranda: | ||
| Average total assets | $62,855,670 | 6,056 |
| Average earning assets | $58,822,670 | 5,994 |
| Average equity | $4,933,670 | 6,557 |
| Average total loans | $43,427,000 | 5,635 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8980% | 600 |
| Cost of funding earning assets | 1.2868% | 2,262 |
| Net interest margin | 4.6112% | 844 |
| Noninterest income to average assets | 1.2870% | 770 |
| Noninterest expense to average assets | 3.7811% | 1,370 |
| Loan and lease loss provision to assets | 0.5868% | 1,468 |
| Net operating income to assets | 0.8469% | 2,792 |
| Return on assets (ROA) | 0.8469% | 2,850 |
| Pretax return on assets | 1.2204% | 2,307 |
| Return on Equity (ROE) | 10.4591% | 1,921 |
| Retained earnings to average equity (ytd only) | 10.4591% | 1,003 |
| Net charge-offs to loans | 0.0745% | 4,193 |
| Credit loss provision to net charge-offs | 1,100.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 33.8750% | 766 |
| Efficiency ratio | 67.6611% | 4,726 |
| Assets per employee ($millions) | 2.5549% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 3,474 |
| Loan loss allowance to noncurrent loans | 442.8571% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 6,448 |
| Noncurrent loans to loans | 0.3755% | 6,245 |
| Net loans and leases to total assets | 66.0117% | 3,005 |
| Net loans and leases to deposits | 73.9105% | 3,776 |
| Net loans and leases to core deposits | 87.1334% | 2,715 |
| Total domestic deposits to total assets | 89.3130% | 1,586 |
| Equity capital to assets | 7.6935% | 6,750 |
| Core capital (leverage) ratio | 8.0131% | 6,240 |
| Tier 1 risk-based capital ratio | 11.5588% | 6,058 |
| Total risk-based capital ratio | 12.8378% | 6,021 |
| Memoranda: | ||
| Average total assets | $59,982,500 | 6,187 |
| Average earning assets | $55,951,000 | 6,131 |
| Average equity | $4,857,000 | 6,601 |
| Average total loans | $42,980,000 | 5,708 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9911% | 862 |
| Cost of funding earning assets | 1.4817% | 2,750 |
| Net interest margin | 4.5095% | 1,209 |
| Noninterest income to average assets | 0.9907% | 1,532 |
| Noninterest expense to average assets | 3.5150% | 2,132 |
| Loan and lease loss provision to assets | 0.5325% | 3,021 |
| Net operating income to assets | 0.7832% | 2,877 |
| Return on assets (ROA) | 0.7832% | 2,999 |
| Pretax return on assets | 1.1792% | 2,293 |
| Return on Equity (ROE) | 9.8560% | 1,982 |
| Retained earnings to average equity (ytd only) | 9.8560% | 551 |
| Net charge-offs to loans | 0.3140% | 4,452 |
| Credit loss provision to net charge-offs | 252.4590% | 1,119 |
| Earnings coverage of net charge-offs (x) | 8.1148% | 2,012 |
| Efficiency ratio | 67.2511% | 4,713 |
| Assets per employee ($millions) | 2.5497% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 4,192 |
| Loan loss allowance to noncurrent loans | 355.6180% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 5,337 |
| Noncurrent loans to loans | 0.4131% | 6,220 |
| Net loans and leases to total assets | 75.6797% | 1,338 |
| Net loans and leases to deposits | 85.7631% | 2,146 |
| Net loans and leases to core deposits | 103.4835% | 1,352 |
| Total domestic deposits to total assets | 88.2427% | 2,097 |
| Equity capital to assets | 8.5572% | 5,784 |
| Core capital (leverage) ratio | 7.9827% | 6,226 |
| Tier 1 risk-based capital ratio | 9.6960% | 7,081 |
| Total risk-based capital ratio | 10.9655% | 7,077 |
| Memoranda: | ||
| Average total assets | $57,838,200 | 6,281 |
| Average earning assets | $54,330,200 | 6,199 |
| Average equity | $4,596,200 | 6,789 |
| Average total loans | $38,847,600 | 5,974 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8690% | 1,208 |
| Cost of funding earning assets | 1.5141% | 2,888 |
| Net interest margin | 4.3549% | 1,663 |
| Noninterest income to average assets | 1.0227% | 1,404 |
| Noninterest expense to average assets | 3.4068% | 2,273 |
| Loan and lease loss provision to assets | 0.5262% | 2,829 |
| Net operating income to assets | 0.7802% | 3,087 |
| Return on assets (ROA) | 0.7802% | 3,248 |
| Pretax return on assets | 1.1829% | 2,553 |
| Return on Equity (ROE) | 10.0030% | 2,122 |
| Retained earnings to average equity (ytd only) | 10.0030% | 796 |
| Net charge-offs to loans | 0.2223% | 4,611 |
| Credit loss provision to net charge-offs | 365.0794% | 849 |
| Earnings coverage of net charge-offs (x) | 11.8569% | 1,750 |
| Efficiency ratio | 66.5921% | 4,732 |
| Assets per employee ($millions) | 2.7859% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 4,094 |
| Loan loss allowance to noncurrent loans | 224.0876% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 5,253 |
| Noncurrent loans to loans | 0.6569% | 5,891 |
| Net loans and leases to total assets | 67.0485% | 3,449 |
| Net loans and leases to deposits | 75.6782% | 4,230 |
| Net loans and leases to core deposits | 98.6959% | 1,968 |
| Total domestic deposits to total assets | 88.5968% | 1,628 |
| Equity capital to assets | 7.7305% | 6,982 |
| Core capital (leverage) ratio | 7.4158% | 6,912 |
| Tier 1 risk-based capital ratio | 9.4936% | 7,258 |
| Total risk-based capital ratio | 10.7549% | 7,249 |
| Memoranda: | ||
| Average total assets | $58,274,500 | 6,336 |
| Average earning assets | $54,772,250 | 6,250 |
| Average equity | $4,545,250 | 6,892 |
| Average total loans | $37,788,500 | 6,106 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8376% | 1,324 |
| Cost of funding earning assets | 1.5393% | 3,016 |
| Net interest margin | 4.2983% | 1,787 |
| Noninterest income to average assets | 1.0337% | 1,273 |
| Noninterest expense to average assets | 3.4469% | 2,150 |
| Loan and lease loss provision to assets | 0.4365% | 3,129 |
| Net operating income to assets | 0.8067% | 2,938 |
| Return on assets (ROA) | 0.8067% | 3,085 |
| Pretax return on assets | 1.1874% | 2,458 |
| Return on Equity (ROE) | 10.3102% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.3102% | 781 |
| Net charge-offs to loans | 0.2412% | 4,154 |
| Credit loss provision to net charge-offs | 284.0909% | 1,306 |
| Earnings coverage of net charge-offs (x) | 10.5682% | 1,874 |
| Efficiency ratio | 67.9752% | 4,589 |
| Assets per employee ($millions) | 2.7677% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 4,691 |
| Loan loss allowance to noncurrent loans | 447.4576% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 5,700 |
| Noncurrent loans to loans | 0.3011% | 6,623 |
| Net loans and leases to total assets | 63.4893% | 4,354 |
| Net loans and leases to deposits | 71.3445% | 5,101 |
| Net loans and leases to core deposits | 93.1406% | 2,827 |
| Total domestic deposits to total assets | 88.9898% | 1,445 |
| Equity capital to assets | 7.5186% | 7,100 |
| Core capital (leverage) ratio | 7.8632% | 6,425 |
| Tier 1 risk-based capital ratio | 9.7193% | 7,180 |
| Total risk-based capital ratio | 10.8701% | 7,217 |
| Memoranda: | ||
| Average total assets | $57,269,330 | 6,424 |
| Average earning assets | $53,789,330 | 6,331 |
| Average equity | $4,481,000 | 6,945 |
| Average total loans | $36,482,000 | 6,224 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8580% | 1,302 |
| Cost of funding earning assets | 1.6011% | 2,958 |
| Net interest margin | 4.2568% | 1,833 |
| Noninterest income to average assets | 0.9448% | 1,467 |
| Noninterest expense to average assets | 3.5485% | 1,851 |
| Loan and lease loss provision to assets | 0.2885% | 3,714 |
| Net operating income to assets | 0.8078% | 2,929 |
| Return on assets (ROA) | 0.8078% | 3,023 |
| Pretax return on assets | 1.0963% | 2,742 |
| Return on Equity (ROE) | 10.1072% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.1072% | 1,116 |
| Net charge-offs to loans | 0.2391% | 3,502 |
| Credit loss provision to net charge-offs | 190.4762% | 1,933 |
| Earnings coverage of net charge-offs (x) | 9.1429% | 1,890 |
| Efficiency ratio | 71.9298% | 3,943 |
| Assets per employee ($millions) | 2.5328% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 4,895 |
| Loan loss allowance to noncurrent loans | 258.8889% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 5,462 |
| Noncurrent loans to loans | 0.5050% | 6,284 |
| Net loans and leases to total assets | 63.1360% | 4,504 |
| Net loans and leases to deposits | 71.7403% | 5,086 |
| Net loans and leases to core deposits | 91.6767% | 3,146 |
| Total domestic deposits to total assets | 88.0063% | 2,051 |
| Equity capital to assets | 8.0688% | 6,580 |
| Core capital (leverage) ratio | 7.7925% | 6,516 |
| Tier 1 risk-based capital ratio | 10.3606% | 6,748 |
| Total risk-based capital ratio | 11.4733% | 6,862 |
| Memoranda: | ||
| Average total assets | $55,459,500 | 6,554 |
| Average earning assets | $51,963,500 | 6,477 |
| Average equity | $4,432,500 | 7,025 |
| Average total loans | $35,130,000 | 6,361 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3204% | 983 |
| Cost of funding earning assets | 1.9977% | 2,972 |
| Net interest margin | 4.3227% | 1,652 |
| Noninterest income to average assets | 1.1298% | 1,205 |
| Noninterest expense to average assets | 3.5972% | 2,153 |
| Loan and lease loss provision to assets | 0.4234% | 4,287 |
| Net operating income to assets | 0.7477% | 2,732 |
| Return on assets (ROA) | 0.7994% | 2,626 |
| Pretax return on assets | 1.1852% | 1,997 |
| Return on Equity (ROE) | 9.7288% | 1,770 |
| Retained earnings to average equity (ytd only) | 9.7288% | 396 |
| Net charge-offs to loans | 0.4894% | 3,813 |
| Credit loss provision to net charge-offs | 139.8693% | 3,490 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 2,700 |
| Efficiency ratio | 70.1389% | 4,592 |
| Assets per employee ($millions) | 2.3999% | 7,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 4,814 |
| Loan loss allowance to noncurrent loans | 171.9231% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1196% | 4,852 |
| Noncurrent loans to loans | 0.7511% | 5,760 |
| Net loans and leases to total assets | 61.8990% | 5,010 |
| Net loans and leases to deposits | 70.1523% | 5,588 |
| Net loans and leases to core deposits | 133.1891% | 1,101 |
| Total domestic deposits to total assets | 88.2351% | 1,869 |
| Equity capital to assets | 7.9151% | 6,659 |
| Core capital (leverage) ratio | 7.7850% | 6,471 |
| Tier 1 risk-based capital ratio | 10.3133% | 6,576 |
| Total risk-based capital ratio | 11.4039% | 6,705 |
| Memoranda: | ||
| Average total assets | $50,539,200 | 6,686 |
| Average earning assets | $46,753,600 | 6,652 |
| Average equity | $4,152,600 | 7,229 |
| Average total loans | $31,259,600 | 6,566 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3941% | 937 |
| Cost of funding earning assets | 2.0319% | 3,209 |
| Net interest margin | 4.3621% | 1,555 |
| Noninterest income to average assets | 1.1045% | 1,294 |
| Noninterest expense to average assets | 3.5996% | 2,025 |
| Loan and lease loss provision to assets | 0.3403% | 4,294 |
| Net operating income to assets | 0.8209% | 2,721 |
| Return on assets (ROA) | 0.8209% | 2,787 |
| Pretax return on assets | 1.1936% | 2,286 |
| Return on Equity (ROE) | 9.8895% | 1,958 |
| Retained earnings to average equity (ytd only) | 9.8895% | 658 |
| Net charge-offs to loans | 0.3156% | 4,066 |
| Credit loss provision to net charge-offs | 175.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 7.8886% | 2,332 |
| Efficiency ratio | 70.1210% | 4,566 |
| Assets per employee ($millions) | 2.2085% | 7,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 4,327 |
| Loan loss allowance to noncurrent loans | 188.8412% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 5,984 |
| Noncurrent loans to loans | 0.7037% | 5,893 |
| Net loans and leases to total assets | 64.3220% | 4,794 |
| Net loans and leases to deposits | 74.2838% | 5,331 |
| Net loans and leases to core deposits | 132.1670% | 1,323 |
| Total domestic deposits to total assets | 86.5895% | 2,384 |
| Equity capital to assets | 8.4790% | 6,274 |
| Core capital (leverage) ratio | 8.2046% | 6,005 |
| Tier 1 risk-based capital ratio | 10.5450% | 6,422 |
| Total risk-based capital ratio | 11.6693% | 6,498 |
| Memoranda: | ||
| Average total assets | $49,374,500 | 6,784 |
| Average earning assets | $45,603,500 | 6,755 |
| Average equity | $4,098,500 | 7,322 |
| Average total loans | $30,421,000 | 6,660 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4062% | 998 |
| Cost of funding earning assets | 2.0685% | 3,431 |
| Net interest margin | 4.3377% | 1,554 |
| Noninterest income to average assets | 1.0102% | 1,561 |
| Noninterest expense to average assets | 3.4110% | 2,587 |
| Loan and lease loss provision to assets | 0.3681% | 3,715 |
| Net operating income to assets | 0.8384% | 2,705 |
| Return on assets (ROA) | 0.8384% | 2,801 |
| Pretax return on assets | 1.2106% | 2,266 |
| Return on Equity (ROE) | 10.1762% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.1762% | 702 |
| Net charge-offs to loans | 0.0881% | 5,316 |
| Credit loss provision to net charge-offs | 692.3077% | 676 |
| Earnings coverage of net charge-offs (x) | 29.6923% | 1,007 |
| Efficiency ratio | 68.3607% | 5,095 |
| Assets per employee ($millions) | 2.2778% | 7,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 3,017 |
| Loan loss allowance to noncurrent loans | 146.0568% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 5,832 |
| Noncurrent loans to loans | 1.0495% | 5,116 |
| Net loans and leases to total assets | 59.3511% | 5,784 |
| Net loans and leases to deposits | 68.2892% | 6,153 |
| Net loans and leases to core deposits | 121.0599% | 2,271 |
| Total domestic deposits to total assets | 86.9113% | 2,301 |
| Equity capital to assets | 8.2615% | 6,400 |
| Core capital (leverage) ratio | 8.0884% | 6,184 |
| Tier 1 risk-based capital ratio | 11.0016% | 5,873 |
| Total risk-based capital ratio | 12.2659% | 5,788 |
| Memoranda: | ||
| Average total assets | $48,900,670 | 6,874 |
| Average earning assets | $44,863,000 | 6,843 |
| Average equity | $4,029,000 | 7,404 |
| Average total loans | $29,523,670 | 6,763 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4356% | 983 |
| Cost of funding earning assets | 2.1124% | 3,593 |
| Net interest margin | 4.3232% | 1,539 |
| Noninterest income to average assets | 0.9359% | 1,710 |
| Noninterest expense to average assets | 3.3544% | 2,483 |
| Loan and lease loss provision to assets | 0.3313% | 3,337 |
| Net operating income to assets | 0.8365% | 2,967 |
| Return on assets (ROA) | 0.8365% | 3,115 |
| Pretax return on assets | 1.2506% | 2,451 |
| Return on Equity (ROE) | 10.1674% | 2,259 |
| Retained earnings to average equity (ytd only) | 10.1674% | 1,151 |
| Net charge-offs to loans | 0.0548% | 4,701 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 755 |
| Efficiency ratio | 67.9530% | 4,974 |
| Assets per employee ($millions) | 2.3332% | 7,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 3,331 |
| Loan loss allowance to noncurrent loans | 218.6528% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 6,208 |
| Noncurrent loans to loans | 0.6551% | 5,770 |
| Net loans and leases to total assets | 59.2689% | 5,772 |
| Net loans and leases to deposits | 68.3439% | 6,147 |
| Net loans and leases to core deposits | 118.7439% | 2,533 |
| Total domestic deposits to total assets | 86.7216% | 2,351 |
| Equity capital to assets | 8.2393% | 6,483 |
| Core capital (leverage) ratio | 8.1573% | 6,179 |
| Tier 1 risk-based capital ratio | 11.0429% | 5,868 |
| Total risk-based capital ratio | 12.2305% | 5,819 |
| Memoranda: | ||
| Average total assets | $48,295,000 | 6,938 |
| Average earning assets | $44,689,000 | 6,890 |
| Average equity | $3,973,500 | 7,465 |
| Average total loans | $29,183,000 | 6,812 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0805% | 947 |
| Cost of funding earning assets | 2.7209% | 3,061 |
| Net interest margin | 4.3596% | 1,794 |
| Noninterest income to average assets | 1.0672% | 1,379 |
| Noninterest expense to average assets | 3.5128% | 2,359 |
| Loan and lease loss provision to assets | 0.3178% | 3,835 |
| Net operating income to assets | 0.7889% | 3,486 |
| Return on assets (ROA) | 0.7889% | 3,323 |
| Pretax return on assets | 1.2009% | 2,634 |
| Return on Equity (ROE) | 9.7360% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.7360% | 484 |
| Net charge-offs to loans | 0.0701% | 5,770 |
| Credit loss provision to net charge-offs | 725.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 34.6500% | 1,052 |
| Efficiency ratio | 69.8171% | 4,388 |
| Assets per employee ($millions) | 2.3797% | 7,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 3,558 |
| Loan loss allowance to noncurrent loans | 210.9290% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 5,946 |
| Noncurrent loans to loans | 0.6331% | 5,473 |
| Net loans and leases to total assets | 59.9206% | 5,919 |
| Net loans and leases to deposits | 69.2571% | 6,345 |
| Net loans and leases to core deposits | 115.3641% | 3,197 |
| Total domestic deposits to total assets | 86.5190% | 2,164 |
| Equity capital to assets | 8.2155% | 6,532 |
| Core capital (leverage) ratio | 8.2533% | 6,048 |
| Tier 1 risk-based capital ratio | 12.1616% | 4,701 |
| Total risk-based capital ratio | 13.3895% | 4,600 |
| Memoranda: | ||
| Average total assets | $45,632,800 | 6,954 |
| Average earning assets | $41,494,200 | 6,968 |
| Average equity | $3,697,600 | 7,609 |
| Average total loans | $28,537,000 | 6,793 |