Home > Pine Island Bank > Performance and Condition Ratios
Pine Island Bank, Performance and Condition Ratios
| 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 | 4.2561% | 560 |
| Cost of funding earning assets | 0.2545% | 2,200 |
| Net interest margin | 4.0015% | 496 |
| Noninterest income to average assets | 0.1731% | 4,137 |
| Noninterest expense to average assets | 1.5596% | 4,345 |
| Loan and lease loss provision to assets | 0.3246% | 199 |
| Net operating income to assets | 1.7489% | 382 |
| Return on assets (ROA) | 1.7489% | 375 |
| Pretax return on assets | 1.8828% | 482 |
| Return on Equity (ROE) | 11.5648% | 1,808 |
| Retained earnings to average equity (ytd only) | 8.2018% | 1,545 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1023% | 4,634 |
| Assets per employee ($millions) | 9.2064% | 828 |
| Cash dividends to net income (ytd only)* | 29.0797% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2142% | 4,688 |
| Loan loss allowance to noncurrent loans | 184.6154% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 3,149 |
| Noncurrent loans to loans | 0.1160% | 3,156 |
| Net loans and leases to total assets | 71.4225% | 1,170 |
| Net loans and leases to deposits | 86.4256% | 943 |
| Net loans and leases to core deposits | 102.4123% | 571 |
| Total domestic deposits to total assets | 82.6405% | 3,925 |
| Equity capital to assets | 14.0331% | 509 |
| Core capital (leverage) ratio | 8.3477% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8798% | 2,840 |
| Memoranda: | ||
| Average total assets | $147,863,000 | 3,523 |
| Average earning assets | $132,798,667 | 3,566 |
| Average equity | $22,361,000 | 2,862 |
| Average total loans | $108,393,667 | 3,086 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 815 |
| Cost of funding earning assets | 0.2423% | 2,245 |
| Net interest margin | 3.7301% | 707 |
| Noninterest income to average assets | 0.1867% | 4,038 |
| Noninterest expense to average assets | 1.5048% | 4,417 |
| Loan and lease loss provision to assets | 0.2090% | 342 |
| Net operating income to assets | 1.8197% | 317 |
| Return on assets (ROA) | 1.8197% | 321 |
| Pretax return on assets | 1.8197% | 527 |
| Return on Equity (ROE) | 11.5780% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.5780% | 660 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0631% | 4,642 |
| Assets per employee ($millions) | 9.9138% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0704% | 4,739 |
| Loan loss allowance to noncurrent loans | 55.9701% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 3,174 |
| Noncurrent loans to loans | 0.1258% | 3,191 |
| Net loans and leases to total assets | 71.5528% | 874 |
| Net loans and leases to deposits | 88.1032% | 613 |
| Net loans and leases to core deposits | 96.9168% | 616 |
| Total domestic deposits to total assets | 81.2147% | 4,178 |
| Equity capital to assets | 15.2421% | 375 |
| Core capital (leverage) ratio | 8.6299% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1024% | 2,869 |
| Memoranda: | ||
| Average total assets | $143,540,500 | 3,582 |
| Average earning assets | $128,791,500 | 3,623 |
| Average equity | $22,560,000 | 2,935 |
| Average total loans | $106,579,500 | 3,104 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2599% | 4,822 |
| Cost of funding earning assets | 0.0122% | 4,791 |
| Net interest margin | 0.2477% | 4,820 |
| Noninterest income to average assets | 0.0123% | 4,782 |
| Noninterest expense to average assets | 0.0933% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1515% | 4,580 |
| Return on assets (ROA) | 0.1515% | 4,593 |
| Pretax return on assets | 0.1515% | 4,603 |
| Return on Equity (ROE) | 1.2582% | 4,584 |
| Retained earnings to average equity (ytd only) | 1.2582% | 4,188 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7826% | 4,764 |
| Assets per employee ($millions) | 8.1396% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 3,246 |
| Noncurrent loans to loans | 0.1284% | 3,289 |
| Net loans and leases to total assets | 77.0954% | 437 |
| Net loans and leases to deposits | 99.1579% | 212 |
| Net loans and leases to core deposits | 110.7535% | 275 |
| Total domestic deposits to total assets | 77.7502% | 4,421 |
| Equity capital to assets | 16.2270% | 354 |
| Core capital (leverage) ratio | 8.8543% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2268% | 2,831 |
| Memoranda: | ||
| Average total assets | $122,131,600 | 3,777 |
| Average earning assets | $114,666,000 | 3,753 |
| Average equity | $14,703,400 | 3,669 |
| Average total loans | $101,170,600 | 3,181 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 472 |
| Cost of funding earning assets | 0.4598% | 1,289 |
| Net interest margin | 4.2618% | 489 |
| Noninterest income to average assets | 0.2191% | 4,091 |
| Noninterest expense to average assets | 1.7085% | 4,318 |
| Loan and lease loss provision to assets | 0.0567% | 1,849 |
| Net operating income to assets | 2.5137% | 211 |
| Return on assets (ROA) | 2.5137% | 214 |
| Pretax return on assets | 2.5148% | 333 |
| Return on Equity (ROE) | 23.2491% | 243 |
| Retained earnings to average equity (ytd only) | 4.4911% | 3,407 |
| Net charge-offs to loans | -0.0521% | 4,376 |
| Credit loss provision to net charge-offs | -128.2051% | 3,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9208% | 4,725 |
| Assets per employee ($millions) | 7.1770% | 1,751 |
| Cash dividends to net income (ytd only)* | 80.6828% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 3,160 |
| Loan loss allowance to noncurrent loans | 876.9784% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,347 |
| Noncurrent loans to loans | 0.1324% | 3,447 |
| Net loans and leases to total assets | 85.0273% | 89 |
| Net loans and leases to deposits | 103.4369% | 162 |
| Net loans and leases to core deposits | 116.5354% | 219 |
| Total domestic deposits to total assets | 82.2021% | 3,886 |
| Equity capital to assets | 10.7467% | 2,221 |
| Core capital (leverage) ratio | 10.0112% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4172% | 2,196 |
| Memoranda: | ||
| Average total assets | $118,071,000 | 3,868 |
| Average earning assets | $112,500,750 | 3,826 |
| Average equity | $12,765,750 | 3,904 |
| Average total loans | $99,793,250 | 3,242 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 510 |
| Cost of funding earning assets | 0.4701% | 1,381 |
| Net interest margin | 4.2599% | 524 |
| Noninterest income to average assets | 0.2107% | 4,144 |
| Noninterest expense to average assets | 1.6975% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.5934% | 194 |
| Return on assets (ROA) | 2.5934% | 207 |
| Pretax return on assets | 2.5951% | 307 |
| Return on Equity (ROE) | 23.9361% | 235 |
| Retained earnings to average equity (ytd only) | 0.3478% | 4,458 |
| Net charge-offs to loans | -0.0795% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5451% | 4,761 |
| Assets per employee ($millions) | 6.7570% | 1,978 |
| Cash dividends to net income (ytd only)* | 98.5469% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,137 |
| Loan loss allowance to noncurrent loans | 823.2394% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 3,410 |
| Noncurrent loans to loans | 0.1410% | 3,494 |
| Net loans and leases to total assets | 86.6648% | 66 |
| Net loans and leases to deposits | 103.2216% | 196 |
| Net loans and leases to core deposits | 120.3644% | 213 |
| Total domestic deposits to total assets | 83.9600% | 3,455 |
| Equity capital to assets | 11.0787% | 1,927 |
| Core capital (leverage) ratio | 9.9964% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5450% | 2,146 |
| Memoranda: | ||
| Average total assets | $116,758,333 | 3,896 |
| Average earning assets | $111,879,667 | 3,839 |
| Average equity | $12,650,333 | 3,927 |
| Average total loans | $98,071,000 | 3,283 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0119% | 348 |
| Cost of funding earning assets | 0.5019% | 1,385 |
| Net interest margin | 4.5100% | 346 |
| Noninterest income to average assets | 0.1971% | 4,206 |
| Noninterest expense to average assets | 1.7366% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7629% | 185 |
| Return on assets (ROA) | 2.7629% | 211 |
| Pretax return on assets | 2.7663% | 314 |
| Return on Equity (ROE) | 25.7839% | 235 |
| Retained earnings to average equity (ytd only) | -8.5312% | 4,795 |
| Net charge-offs to loans | -0.1612% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5660% | 4,794 |
| Assets per employee ($millions) | 6.8607% | 1,888 |
| Cash dividends to net income (ytd only)* | 133.0873% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,844 |
| Loan loss allowance to noncurrent loans | 744.5860% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 3,501 |
| Noncurrent loans to loans | 0.1634% | 3,521 |
| Net loans and leases to total assets | 81.3885% | 256 |
| Net loans and leases to deposits | 96.6325% | 388 |
| Net loans and leases to core deposits | 117.1986% | 276 |
| Total domestic deposits to total assets | 84.2247% | 3,362 |
| Equity capital to assets | 10.6720% | 2,114 |
| Core capital (leverage) ratio | 9.4312% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7953% | 1,967 |
| Memoranda: | ||
| Average total assets | $117,703,000 | 3,886 |
| Average earning assets | $112,372,500 | 3,837 |
| Average equity | $12,612,500 | 3,941 |
| Average total loans | $96,746,500 | 3,311 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 1,148 |
| Cost of funding earning assets | 0.6894% | 1,775 |
| Net interest margin | 3.8836% | 1,260 |
| Noninterest income to average assets | 0.1902% | 4,334 |
| Noninterest expense to average assets | 1.7422% | 4,556 |
| Loan and lease loss provision to assets | 0.0438% | 3,854 |
| Net operating income to assets | 2.0814% | 229 |
| Return on assets (ROA) | 2.0901% | 237 |
| Pretax return on assets | 2.0910% | 364 |
| Return on Equity (ROE) | 19.6857% | 248 |
| Retained earnings to average equity (ytd only) | 7.1892% | 1,328 |
| Net charge-offs to loans | -0.0299% | 4,534 |
| Credit loss provision to net charge-offs | -178.5714% | 3,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0385% | 4,755 |
| Assets per employee ($millions) | 6.9867% | 1,597 |
| Cash dividends to net income (ytd only)* | 63.4801% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 3,162 |
| Loan loss allowance to noncurrent loans | 428.0303% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 3,177 |
| Noncurrent loans to loans | 0.2711% | 3,222 |
| Net loans and leases to total assets | 81.0523% | 363 |
| Net loans and leases to deposits | 97.5429% | 483 |
| Net loans and leases to core deposits | 120.6484% | 302 |
| Total domestic deposits to total assets | 83.0939% | 3,383 |
| Equity capital to assets | 10.7582% | 2,471 |
| Core capital (leverage) ratio | 9.8338% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7384% | 1,956 |
| Memoranda: | ||
| Average total assets | $114,107,600 | 3,821 |
| Average earning assets | $108,068,600 | 3,794 |
| Average equity | $12,115,400 | 3,961 |
| Average total loans | $93,515,400 | 3,350 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 1,285 |
| Cost of funding earning assets | 0.7409% | 1,795 |
| Net interest margin | 3.8665% | 1,433 |
| Noninterest income to average assets | 0.1853% | 4,361 |
| Noninterest expense to average assets | 1.7625% | 4,552 |
| Loan and lease loss provision to assets | 0.0292% | 3,966 |
| Net operating income to assets | 2.0577% | 262 |
| Return on assets (ROA) | 2.0671% | 282 |
| Pretax return on assets | 2.0683% | 452 |
| Return on Equity (ROE) | 19.5369% | 257 |
| Retained earnings to average equity (ytd only) | 5.2887% | 2,433 |
| Net charge-offs to loans | -0.0403% | 4,616 |
| Credit loss provision to net charge-offs | -89.2857% | 3,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7695% | 4,726 |
| Assets per employee ($millions) | 6.5034% | 1,832 |
| Cash dividends to net income (ytd only)* | 72.9298% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 2,923 |
| Loan loss allowance to noncurrent loans | 409.2593% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 3,294 |
| Noncurrent loans to loans | 0.2817% | 3,277 |
| Net loans and leases to total assets | 80.9409% | 529 |
| Net loans and leases to deposits | 99.7694% | 542 |
| Net loans and leases to core deposits | 125.6895% | 310 |
| Total domestic deposits to total assets | 81.1279% | 3,628 |
| Equity capital to assets | 10.5961% | 2,708 |
| Core capital (leverage) ratio | 9.2416% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8113% | 1,888 |
| Memoranda: | ||
| Average total assets | $112,941,000 | 3,836 |
| Average earning assets | $107,069,750 | 3,805 |
| Average equity | $11,949,750 | 3,988 |
| Average total loans | $92,544,500 | 3,376 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 1,752 |
| Cost of funding earning assets | 0.7947% | 1,853 |
| Net interest margin | 3.7666% | 1,931 |
| Noninterest income to average assets | 0.1703% | 4,441 |
| Noninterest expense to average assets | 1.7317% | 4,654 |
| Loan and lease loss provision to assets | 0.0448% | 3,730 |
| Net operating income to assets | 1.9522% | 366 |
| Return on assets (ROA) | 1.9665% | 395 |
| Pretax return on assets | 1.9683% | 585 |
| Return on Equity (ROE) | 18.5958% | 329 |
| Retained earnings to average equity (ytd only) | 1.6273% | 3,898 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4200% | 4,709 |
| Assets per employee ($millions) | 6.9013% | 1,504 |
| Cash dividends to net income (ytd only)* | 91.2489% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,749 |
| Loan loss allowance to noncurrent loans | 233.6226% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 2,720 |
| Noncurrent loans to loans | 0.4947% | 2,670 |
| Net loans and leases to total assets | 78.5062% | 785 |
| Net loans and leases to deposits | 97.5058% | 693 |
| Net loans and leases to core deposits | 127.4986% | 294 |
| Total domestic deposits to total assets | 80.5143% | 3,725 |
| Equity capital to assets | 10.2487% | 2,970 |
| Core capital (leverage) ratio | 9.5739% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5839% | 1,965 |
| Memoranda: | ||
| Average total assets | $111,567,333 | 3,841 |
| Average earning assets | $105,454,333 | 3,813 |
| Average equity | $11,798,333 | 4,009 |
| Average total loans | $91,440,667 | 3,386 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 1,543 |
| Cost of funding earning assets | 0.8614% | 2,050 |
| Net interest margin | 3.8941% | 1,689 |
| Noninterest income to average assets | 0.1730% | 4,504 |
| Noninterest expense to average assets | 1.7996% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.0131% | 262 |
| Return on assets (ROA) | 2.0315% | 280 |
| Pretax return on assets | 2.0351% | 420 |
| Return on Equity (ROE) | 18.8952% | 215 |
| Retained earnings to average equity (ytd only) | -9.1738% | 4,732 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1553% | 4,792 |
| Assets per employee ($millions) | 6.3582% | 1,426 |
| Cash dividends to net income (ytd only)* | 148.5507% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 2,819 |
| Loan loss allowance to noncurrent loans | 157.4850% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 2,161 |
| Noncurrent loans to loans | 0.7438% | 2,143 |
| Net loans and leases to total assets | 82.1112% | 428 |
| Net loans and leases to deposits | 105.4549% | 311 |
| Net loans and leases to core deposits | 144.4117% | 141 |
| Total domestic deposits to total assets | 77.8638% | 4,239 |
| Equity capital to assets | 10.6754% | 3,168 |
| Core capital (leverage) ratio | 9.6381% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3168% | 2,140 |
| Memoranda: | ||
| Average total assets | $108,690,000 | 3,857 |
| Average earning assets | $101,691,000 | 3,856 |
| Average equity | $11,685,500 | 4,038 |
| Average total loans | $90,570,000 | 3,383 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 2,024 |
| Cost of funding earning assets | 0.9165% | 2,128 |
| Net interest margin | 3.8907% | 2,211 |
| Noninterest income to average assets | 0.3512% | 3,599 |
| Noninterest expense to average assets | 1.8535% | 4,711 |
| Loan and lease loss provision to assets | 0.1193% | 1,778 |
| Net operating income to assets | 2.0282% | 328 |
| Return on assets (ROA) | 2.0425% | 330 |
| Pretax return on assets | 2.0434% | 542 |
| Return on Equity (ROE) | 18.4942% | 304 |
| Retained earnings to average equity (ytd only) | 3.7161% | 3,131 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3153% | 4,901 |
| Assets per employee ($millions) | 6.4288% | 1,332 |
| Cash dividends to net income (ytd only)* | 79.9065% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 2,682 |
| Loan loss allowance to noncurrent loans | 149.0085% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 1,971 |
| Noncurrent loans to loans | 0.7730% | 1,969 |
| Net loans and leases to total assets | 82.6077% | 476 |
| Net loans and leases to deposits | 107.2462% | 255 |
| Net loans and leases to core deposits | 142.2010% | 161 |
| Total domestic deposits to total assets | 77.0263% | 4,486 |
| Equity capital to assets | 10.8262% | 3,159 |
| Core capital (leverage) ratio | 9.8826% | 3,637 |
| Tier 1 risk-based capital ratio | 13.1631% | 3,706 |
| Total risk-based capital ratio | 14.4135% | 3,590 |
| Memoranda: | ||
| Average total assets | $104,774,200 | 3,919 |
| Average earning assets | $98,312,000 | 3,903 |
| Average equity | $11,571,200 | 4,044 |
| Average total loans | $86,353,800 | 3,478 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 2,208 |
| Cost of funding earning assets | 0.9201% | 2,135 |
| Net interest margin | 3.8514% | 2,424 |
| Noninterest income to average assets | 0.4117% | 3,249 |
| Noninterest expense to average assets | 1.7752% | 4,850 |
| Loan and lease loss provision to assets | 0.0965% | 1,983 |
| Net operating income to assets | 2.1573% | 292 |
| Return on assets (ROA) | 2.1573% | 305 |
| Pretax return on assets | 2.1586% | 489 |
| Return on Equity (ROE) | 19.4328% | 285 |
| Retained earnings to average equity (ytd only) | 6.4080% | 2,170 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0472% | 5,009 |
| Assets per employee ($millions) | 6.2613% | 1,417 |
| Cash dividends to net income (ytd only)* | 67.0246% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 2,945 |
| Loan loss allowance to noncurrent loans | 173.9583% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 2,387 |
| Noncurrent loans to loans | 0.6417% | 2,363 |
| Net loans and leases to total assets | 83.3872% | 412 |
| Net loans and leases to deposits | 105.0427% | 359 |
| Net loans and leases to core deposits | 142.6879% | 161 |
| Total domestic deposits to total assets | 79.3841% | 4,103 |
| Equity capital to assets | 11.2315% | 2,893 |
| Core capital (leverage) ratio | 10.2367% | 3,379 |
| Tier 1 risk-based capital ratio | 13.6858% | 3,483 |
| Total risk-based capital ratio | 14.9370% | 3,389 |
| Memoranda: | ||
| Average total assets | $103,645,250 | 3,988 |
| Average earning assets | $97,381,750 | 3,956 |
| Average equity | $11,506,000 | 4,096 |
| Average total loans | $85,108,750 | 3,542 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 2,438 |
| Cost of funding earning assets | 0.8897% | 2,199 |
| Net interest margin | 3.7841% | 2,636 |
| Noninterest income to average assets | 0.4965% | 2,696 |
| Noninterest expense to average assets | 1.8206% | 4,853 |
| Loan and lease loss provision to assets | 0.0974% | 1,921 |
| Net operating income to assets | 2.1380% | 301 |
| Return on assets (ROA) | 2.1380% | 314 |
| Pretax return on assets | 2.1399% | 507 |
| Return on Equity (ROE) | 19.3372% | 293 |
| Retained earnings to average equity (ytd only) | 2.9763% | 3,726 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8656% | 5,033 |
| Assets per employee ($millions) | 6.0725% | 1,493 |
| Cash dividends to net income (ytd only)* | 84.6084% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 2,946 |
| Loan loss allowance to noncurrent loans | 284.8397% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 3,204 |
| Noncurrent loans to loans | 0.3940% | 3,116 |
| Net loans and leases to total assets | 83.3937% | 422 |
| Net loans and leases to deposits | 103.9848% | 421 |
| Net loans and leases to core deposits | 143.8557% | 170 |
| Total domestic deposits to total assets | 80.1980% | 3,998 |
| Equity capital to assets | 11.2000% | 2,857 |
| Core capital (leverage) ratio | 10.1402% | 3,461 |
| Tier 1 risk-based capital ratio | 13.5507% | 3,549 |
| Total risk-based capital ratio | 14.8017% | 3,450 |
| Memoranda: | ||
| Average total assets | $102,713,000 | 4,022 |
| Average earning assets | $96,667,000 | 3,995 |
| Average equity | $11,356,330 | 4,122 |
| Average total loans | $83,558,000 | 3,589 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 2,530 |
| Cost of funding earning assets | 0.8745% | 2,128 |
| Net interest margin | 3.7257% | 2,798 |
| Noninterest income to average assets | 0.7808% | 1,334 |
| Noninterest expense to average assets | 1.7725% | 4,948 |
| Loan and lease loss provision to assets | 0.0976% | 1,794 |
| Net operating income to assets | 2.4206% | 182 |
| Return on assets (ROA) | 2.4206% | 192 |
| Pretax return on assets | 2.4206% | 282 |
| Return on Equity (ROE) | 22.0376% | 172 |
| Retained earnings to average equity (ytd only) | -2.0971% | 4,750 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3103% | 5,179 |
| Assets per employee ($millions) | 5.9281% | 1,606 |
| Cash dividends to net income (ytd only)* | 109.5161% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 2,731 |
| Loan loss allowance to noncurrent loans | 483.2487% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 3,837 |
| Noncurrent loans to loans | 0.2425% | 3,695 |
| Net loans and leases to total assets | 79.6692% | 880 |
| Net loans and leases to deposits | 100.5914% | 590 |
| Net loans and leases to core deposits | 137.2579% | 218 |
| Total domestic deposits to total assets | 79.2008% | 4,320 |
| Equity capital to assets | 11.1751% | 2,681 |
| Core capital (leverage) ratio | 10.0662% | 3,531 |
| Tier 1 risk-based capital ratio | 14.1158% | 3,289 |
| Total risk-based capital ratio | 15.3665% | 3,206 |
| Memoranda: | ||
| Average total assets | $102,453,500 | 4,065 |
| Average earning assets | $96,517,500 | 4,036 |
| Average equity | $11,253,500 | 4,159 |
| Average total loans | $81,804,000 | 3,657 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 2,241 |
| Cost of funding earning assets | 0.6965% | 2,113 |
| Net interest margin | 3.8705% | 2,428 |
| Noninterest income to average assets | 0.2916% | 4,155 |
| Noninterest expense to average assets | 1.9628% | 4,803 |
| Loan and lease loss provision to assets | 0.0781% | 2,564 |
| Net operating income to assets | 1.9066% | 438 |
| Return on assets (ROA) | 1.9066% | 433 |
| Pretax return on assets | 1.9076% | 706 |
| Return on Equity (ROE) | 16.9619% | 499 |
| Retained earnings to average equity (ytd only) | 7.3554% | 1,516 |
| Net charge-offs to loans | 0.0013% | 3,723 |
| Credit loss provision to net charge-offs | 7,500.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,907.0000% | 50 |
| Efficiency ratio | 49.7099% | 4,960 |
| Assets per employee ($millions) | 6.1252% | 1,439 |
| Cash dividends to net income (ytd only)* | 56.6357% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 2,949 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,836 |
| Noncurrent loans to loans | 0.2501% | 3,685 |
| Net loans and leases to total assets | 78.2107% | 1,243 |
| Net loans and leases to deposits | 98.0850% | 893 |
| Net loans and leases to core deposits | 130.2894% | 315 |
| Total domestic deposits to total assets | 79.7376% | 4,162 |
| Equity capital to assets | 10.7991% | 2,886 |
| Core capital (leverage) ratio | 10.2576% | 3,296 |
| Tier 1 risk-based capital ratio | 14.0604% | 3,266 |
| Total risk-based capital ratio | 15.3115% | 3,195 |
| Memoranda: | ||
| Average total assets | $96,035,000 | 4,167 |
| Average earning assets | $90,736,800 | 4,133 |
| Average equity | $10,794,800 | 4,191 |
| Average total loans | $76,841,000 | 3,731 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 2,157 |
| Cost of funding earning assets | 0.6640% | 2,073 |
| Net interest margin | 3.8762% | 2,383 |
| Noninterest income to average assets | 0.2922% | 4,200 |
| Noninterest expense to average assets | 1.9004% | 4,903 |
| Loan and lease loss provision to assets | 0.0709% | 2,542 |
| Net operating income to assets | 1.9869% | 392 |
| Return on assets (ROA) | 1.9869% | 386 |
| Pretax return on assets | 1.9884% | 637 |
| Return on Equity (ROE) | 17.4865% | 486 |
| Retained earnings to average equity (ytd only) | 6.6402% | 2,314 |
| Net charge-offs to loans | 0.0018% | 3,430 |
| Credit loss provision to net charge-offs | 5,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 1,455.6015% | 52 |
| Efficiency ratio | 47.9943% | 5,051 |
| Assets per employee ($millions) | 5.6575% | 1,769 |
| Cash dividends to net income (ytd only)* | 62.0274% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 2,933 |
| Loan loss allowance to noncurrent loans | 419.5349% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 3,827 |
| Noncurrent loans to loans | 0.2730% | 3,704 |
| Net loans and leases to total assets | 80.9364% | 880 |
| Net loans and leases to deposits | 101.7649% | 666 |
| Net loans and leases to core deposits | 128.3924% | 363 |
| Total domestic deposits to total assets | 79.5327% | 4,211 |
| Equity capital to assets | 11.3654% | 2,345 |
| Core capital (leverage) ratio | 10.2645% | 3,339 |
| Tier 1 risk-based capital ratio | 14.3406% | 3,194 |
| Total risk-based capital ratio | 15.5920% | 3,106 |
| Memoranda: | ||
| Average total assets | $94,011,500 | 4,239 |
| Average earning assets | $88,951,000 | 4,204 |
| Average equity | $10,682,250 | 4,243 |
| Average total loans | $75,459,500 | 3,801 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 2,323 |
| Cost of funding earning assets | 0.6312% | 2,038 |
| Net interest margin | 3.7987% | 2,568 |
| Noninterest income to average assets | 0.2830% | 4,290 |
| Noninterest expense to average assets | 1.9466% | 4,890 |
| Loan and lease loss provision to assets | 0.0536% | 2,840 |
| Net operating income to assets | 1.8695% | 504 |
| Return on assets (ROA) | 1.8695% | 502 |
| Pretax return on assets | 1.8695% | 838 |
| Return on Equity (ROE) | 16.4539% | 589 |
| Retained earnings to average equity (ytd only) | 7.1514% | 1,999 |
| Net charge-offs to loans | 0.0027% | 3,102 |
| Credit loss provision to net charge-offs | 2,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 897.0000% | 88 |
| Efficiency ratio | 50.3047% | 5,012 |
| Assets per employee ($millions) | 5.2464% | 2,153 |
| Cash dividends to net income (ytd only)* | 56.5367% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,042 |
| Loan loss allowance to noncurrent loans | 127.8426% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 2,060 |
| Noncurrent loans to loans | 0.8909% | 1,939 |
| Net loans and leases to total assets | 80.6142% | 926 |
| Net loans and leases to deposits | 101.9540% | 663 |
| Net loans and leases to core deposits | 128.0151% | 369 |
| Total domestic deposits to total assets | 79.0692% | 4,415 |
| Equity capital to assets | 11.4979% | 2,200 |
| Core capital (leverage) ratio | 10.4810% | 3,051 |
| Tier 1 risk-based capital ratio | 13.8169% | 3,456 |
| Total risk-based capital ratio | 15.0664% | 3,367 |
| Memoranda: | ||
| Average total assets | $93,289,330 | 4,290 |
| Average earning assets | $88,082,670 | 4,253 |
| Average equity | $10,599,330 | 4,293 |
| Average total loans | $74,364,330 | 3,840 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 2,882 |
| Cost of funding earning assets | 0.6275% | 1,863 |
| Net interest margin | 3.5725% | 3,272 |
| Noninterest income to average assets | 0.2114% | 4,747 |
| Noninterest expense to average assets | 1.8939% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6825% | 708 |
| Return on assets (ROA) | 1.6825% | 718 |
| Pretax return on assets | 1.6825% | 1,163 |
| Return on Equity (ROE) | 14.8997% | 816 |
| Retained earnings to average equity (ytd only) | -3.9351% | 5,138 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9554% | 4,887 |
| Assets per employee ($millions) | 5.0427% | 2,433 |
| Cash dividends to net income (ytd only)* | 126.4103% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,966 |
| Loan loss allowance to noncurrent loans | 82.0982% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 1,342 |
| Noncurrent loans to loans | 1.4278% | 1,242 |
| Net loans and leases to total assets | 79.2286% | 1,046 |
| Net loans and leases to deposits | 101.4545% | 614 |
| Net loans and leases to core deposits | 119.7805% | 594 |
| Total domestic deposits to total assets | 78.0927% | 4,718 |
| Equity capital to assets | 11.4312% | 2,191 |
| Core capital (leverage) ratio | 10.1059% | 3,420 |
| Tier 1 risk-based capital ratio | 14.1725% | 3,292 |
| Total risk-based capital ratio | 15.4240% | 3,213 |
| Memoranda: | ||
| Average total assets | $92,716,500 | 4,357 |
| Average earning assets | $87,333,000 | 4,316 |
| Average equity | $10,470,000 | 4,354 |
| Average total loans | $73,044,000 | 3,908 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 2,710 |
| Cost of funding earning assets | 0.5946% | 1,630 |
| Net interest margin | 3.5986% | 3,171 |
| Noninterest income to average assets | 0.2495% | 4,641 |
| Noninterest expense to average assets | 2.0792% | 4,810 |
| Loan and lease loss provision to assets | 0.0540% | 3,155 |
| Net operating income to assets | 1.4949% | 813 |
| Return on assets (ROA) | 1.4949% | 835 |
| Pretax return on assets | 1.4960% | 1,659 |
| Return on Equity (ROE) | 13.4262% | 861 |
| Retained earnings to average equity (ytd only) | 4.8990% | 2,190 |
| Net charge-offs to loans | 0.0014% | 4,071 |
| Credit loss provision to net charge-offs | 5,000.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 1,435.0000% | 51 |
| Efficiency ratio | 57.2917% | 4,615 |
| Assets per employee ($millions) | 5.5685% | 1,868 |
| Cash dividends to net income (ytd only)* | 63.5116% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,991 |
| Loan loss allowance to noncurrent loans | 59.3598% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.5180% | 894 |
| Noncurrent loans to loans | 1.9599% | 787 |
| Net loans and leases to total assets | 76.5518% | 1,502 |
| Net loans and leases to deposits | 97.3626% | 956 |
| Net loans and leases to core deposits | 112.9790% | 840 |
| Total domestic deposits to total assets | 78.6255% | 4,620 |
| Equity capital to assets | 11.1595% | 2,479 |
| Core capital (leverage) ratio | 10.1997% | 3,188 |
| Tier 1 risk-based capital ratio | 14.0435% | 3,341 |
| Total risk-based capital ratio | 15.2939% | 3,239 |
| Memoranda: | ||
| Average total assets | $92,583,200 | 4,379 |
| Average earning assets | $86,949,600 | 4,348 |
| Average equity | $10,308,200 | 4,402 |
| Average total loans | $71,544,200 | 3,927 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 2,568 |
| Cost of funding earning assets | 0.5960% | 1,553 |
| Net interest margin | 3.6159% | 3,084 |
| Noninterest income to average assets | 0.2694% | 4,580 |
| Noninterest expense to average assets | 2.0406% | 4,871 |
| Loan and lease loss provision to assets | 0.0362% | 3,389 |
| Net operating income to assets | 1.5829% | 750 |
| Return on assets (ROA) | 1.5829% | 765 |
| Pretax return on assets | 1.5844% | 1,476 |
| Return on Equity (ROE) | 14.2255% | 787 |
| Retained earnings to average equity (ytd only) | 5.5314% | 2,520 |
| Net charge-offs to loans | 0.0019% | 3,704 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 1,121.7744% | 92 |
| Efficiency ratio | 55.7358% | 4,775 |
| Assets per employee ($millions) | 5.3751% | 2,041 |
| Cash dividends to net income (ytd only)* | 61.1158% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,299 |
| Loan loss allowance to noncurrent loans | 168.2927% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 2,909 |
| Noncurrent loans to loans | 0.6723% | 2,689 |
| Net loans and leases to total assets | 79.1873% | 1,098 |
| Net loans and leases to deposits | 101.9730% | 619 |
| Net loans and leases to core deposits | 119.6471% | 603 |
| Total domestic deposits to total assets | 77.6552% | 4,775 |
| Equity capital to assets | 11.5675% | 2,304 |
| Core capital (leverage) ratio | 10.1367% | 3,399 |
| Tier 1 risk-based capital ratio | 14.1561% | 3,375 |
| Total risk-based capital ratio | 15.4061% | 3,275 |
| Memoranda: | ||
| Average total assets | $92,063,000 | 4,428 |
| Average earning assets | $86,356,500 | 4,399 |
| Average equity | $10,244,250 | 4,454 |
| Average total loans | $71,100,250 | 3,967 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 2,609 |
| Cost of funding earning assets | 0.5996% | 1,451 |
| Net interest margin | 3.5650% | 3,166 |
| Noninterest income to average assets | 0.2210% | 4,926 |
| Noninterest expense to average assets | 2.1454% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3977% | 1,075 |
| Return on assets (ROA) | 1.3977% | 1,099 |
| Pretax return on assets | 1.3999% | 2,019 |
| Return on Equity (ROE) | 12.7273% | 1,105 |
| Retained earnings to average equity (ytd only) | 3.5321% | 3,607 |
| Net charge-offs to loans | 0.0028% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 646.0000% | 121 |
| Efficiency ratio | 60.5134% | 4,240 |
| Assets per employee ($millions) | 5.0083% | 2,380 |
| Cash dividends to net income (ytd only)* | 72.2481% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,546 |
| Loan loss allowance to noncurrent loans | 160.6000% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 2,914 |
| Noncurrent loans to loans | 0.6895% | 2,691 |
| Net loans and leases to total assets | 79.5485% | 1,016 |
| Net loans and leases to deposits | 102.3010% | 596 |
| Net loans and leases to core deposits | 119.0158% | 597 |
| Total domestic deposits to total assets | 77.7593% | 4,854 |
| Equity capital to assets | 11.4764% | 2,336 |
| Core capital (leverage) ratio | 9.9248% | 3,626 |
| Tier 1 risk-based capital ratio | 13.8669% | 3,490 |
| Total risk-based capital ratio | 15.1174% | 3,420 |
| Memoranda: | ||
| Average total assets | $92,291,670 | 4,455 |
| Average earning assets | $86,058,330 | 4,431 |
| Average equity | $10,135,670 | 4,489 |
| Average total loans | $70,404,670 | 4,003 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 2,948 |
| Cost of funding earning assets | 0.6098% | 1,302 |
| Net interest margin | 3.4141% | 3,605 |
| Noninterest income to average assets | 0.1928% | 5,117 |
| Noninterest expense to average assets | 2.0779% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2810% | 1,293 |
| Return on assets (ROA) | 1.2810% | 1,327 |
| Pretax return on assets | 1.2810% | 2,297 |
| Return on Equity (ROE) | 11.9236% | 1,261 |
| Retained earnings to average equity (ytd only) | -1.9142% | 5,160 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8622% | 4,171 |
| Assets per employee ($millions) | 5.3335% | 2,040 |
| Cash dividends to net income (ytd only)* | 116.0535% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 3,290 |
| Loan loss allowance to noncurrent loans | 157.9568% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 2,983 |
| Noncurrent loans to loans | 0.7430% | 2,635 |
| Net loans and leases to total assets | 74.6672% | 1,635 |
| Net loans and leases to deposits | 96.2495% | 916 |
| Net loans and leases to core deposits | 115.2733% | 623 |
| Total domestic deposits to total assets | 77.5767% | 5,027 |
| Equity capital to assets | 11.0633% | 2,568 |
| Core capital (leverage) ratio | 9.5488% | 4,057 |
| Tier 1 risk-based capital ratio | 13.9757% | 3,495 |
| Total risk-based capital ratio | 15.2255% | 3,411 |
| Memoranda: | ||
| Average total assets | $93,362,500 | 4,474 |
| Average earning assets | $86,583,000 | 4,468 |
| Average equity | $10,030,500 | 4,539 |
| Average total loans | $69,349,000 | 4,069 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 2,528 |
| Cost of funding earning assets | 0.6322% | 1,146 |
| Net interest margin | 3.5554% | 3,232 |
| Noninterest income to average assets | 0.2031% | 5,199 |
| Noninterest expense to average assets | 2.1527% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3922% | 1,022 |
| Return on assets (ROA) | 1.3922% | 1,055 |
| Pretax return on assets | 1.3945% | 1,964 |
| Return on Equity (ROE) | 12.5180% | 1,110 |
| Retained earnings to average equity (ytd only) | 6.9691% | 1,238 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6870% | 4,471 |
| Assets per employee ($millions) | 5.3364% | 2,017 |
| Cash dividends to net income (ytd only)* | 44.3274% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 3,457 |
| Loan loss allowance to noncurrent loans | 149.4424% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 2,894 |
| Noncurrent loans to loans | 0.7664% | 2,621 |
| Net loans and leases to total assets | 72.2391% | 2,134 |
| Net loans and leases to deposits | 92.0109% | 1,454 |
| Net loans and leases to core deposits | 109.8952% | 906 |
| Total domestic deposits to total assets | 78.5115% | 4,890 |
| Equity capital to assets | 10.4418% | 3,220 |
| Core capital (leverage) ratio | 9.6806% | 3,878 |
| Tier 1 risk-based capital ratio | 13.6334% | 3,686 |
| Total risk-based capital ratio | 14.8835% | 3,590 |
| Memoranda: | ||
| Average total assets | $88,634,400 | 4,570 |
| Average earning assets | $83,366,000 | 4,532 |
| Average equity | $9,857,800 | 4,607 |
| Average total loans | $66,141,400 | 4,138 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,457 |
| Cost of funding earning assets | 0.6320% | 1,128 |
| Net interest margin | 3.5840% | 3,141 |
| Noninterest income to average assets | 0.2197% | 5,149 |
| Noninterest expense to average assets | 2.1940% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4135% | 1,045 |
| Return on assets (ROA) | 1.4135% | 1,092 |
| Pretax return on assets | 1.4151% | 1,987 |
| Return on Equity (ROE) | 12.4979% | 1,175 |
| Retained earnings to average equity (ytd only) | 6.4935% | 1,918 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7918% | 4,427 |
| Assets per employee ($millions) | 5.2501% | 2,094 |
| Cash dividends to net income (ytd only)* | 48.0434% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 3,487 |
| Loan loss allowance to noncurrent loans | 147.2527% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 2,847 |
| Noncurrent loans to loans | 0.7878% | 2,708 |
| Net loans and leases to total assets | 76.7523% | 1,404 |
| Net loans and leases to deposits | 100.6479% | 669 |
| Net loans and leases to core deposits | 127.2557% | 348 |
| Total domestic deposits to total assets | 76.2582% | 5,200 |
| Equity capital to assets | 11.3073% | 2,696 |
| Core capital (leverage) ratio | 9.8938% | 3,704 |
| Tier 1 risk-based capital ratio | 13.2935% | 3,982 |
| Total risk-based capital ratio | 14.5439% | 3,892 |
| Memoranda: | ||
| Average total assets | $86,779,000 | 4,640 |
| Average earning assets | $82,066,250 | 4,581 |
| Average equity | $9,814,750 | 4,651 |
| Average total loans | $65,128,250 | 4,185 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 2,535 |
| Cost of funding earning assets | 0.6314% | 1,133 |
| Net interest margin | 3.5602% | 3,253 |
| Noninterest income to average assets | 0.2210% | 5,167 |
| Noninterest expense to average assets | 2.2384% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3519% | 1,161 |
| Return on assets (ROA) | 1.3519% | 1,233 |
| Pretax return on assets | 1.3542% | 2,192 |
| Return on Equity (ROE) | 11.9519% | 1,344 |
| Retained earnings to average equity (ytd only) | 5.1634% | 2,622 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3057% | 4,296 |
| Assets per employee ($millions) | 4.7161% | 2,684 |
| Cash dividends to net income (ytd only)* | 56.7986% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 3,220 |
| Loan loss allowance to noncurrent loans | 144.8649% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 2,781 |
| Noncurrent loans to loans | 0.8453% | 2,632 |
| Net loans and leases to total assets | 76.4000% | 1,427 |
| Net loans and leases to deposits | 101.4596% | 600 |
| Net loans and leases to core deposits | 116.3837% | 628 |
| Total domestic deposits to total assets | 75.3010% | 5,378 |
| Equity capital to assets | 11.6845% | 2,373 |
| Core capital (leverage) ratio | 9.5886% | 4,083 |
| Tier 1 risk-based capital ratio | 13.6770% | 3,779 |
| Total risk-based capital ratio | 14.9275% | 3,709 |
| Memoranda: | ||
| Average total assets | $85,954,670 | 4,694 |
| Average earning assets | $81,401,000 | 4,635 |
| Average equity | $9,722,330 | 4,701 |
| Average total loans | $63,735,330 | 4,243 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 3,513 |
| Cost of funding earning assets | 0.6101% | 1,275 |
| Net interest margin | 3.3092% | 4,191 |
| Noninterest income to average assets | 0.1989% | 5,315 |
| Noninterest expense to average assets | 2.2339% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1007% | 1,897 |
| Return on assets (ROA) | 1.1007% | 2,001 |
| Pretax return on assets | 1.1007% | 3,093 |
| Return on Equity (ROE) | 9.8919% | 2,031 |
| Retained earnings to average equity (ytd only) | 1.4963% | 4,672 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9903% | 3,635 |
| Assets per employee ($millions) | 5.7494% | 1,624 |
| Cash dividends to net income (ytd only)* | 84.8739% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 3,068 |
| Loan loss allowance to noncurrent loans | 84.8997% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 1,872 |
| Noncurrent loans to loans | 1.4931% | 1,577 |
| Net loans and leases to total assets | 72.6093% | 1,939 |
| Net loans and leases to deposits | 96.7717% | 869 |
| Net loans and leases to core deposits | 110.6577% | 820 |
| Total domestic deposits to total assets | 75.0316% | 5,519 |
| Equity capital to assets | 11.1780% | 2,743 |
| Core capital (leverage) ratio | 9.6395% | 3,978 |
| Tier 1 risk-based capital ratio | 13.9175% | 3,740 |
| Total risk-based capital ratio | 15.1691% | 3,674 |
| Memoranda: | ||
| Average total assets | $86,487,000 | 4,724 |
| Average earning assets | $81,952,500 | 4,661 |
| Average equity | $9,624,000 | 4,740 |
| Average total loans | $62,773,000 | 4,291 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 2,719 |
| Cost of funding earning assets | 0.6538% | 1,054 |
| Net interest margin | 3.5013% | 3,518 |
| Noninterest income to average assets | 0.2330% | 5,200 |
| Noninterest expense to average assets | 2.2178% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2346% | 1,436 |
| Return on assets (ROA) | 1.2346% | 1,490 |
| Pretax return on assets | 1.2358% | 2,522 |
| Return on Equity (ROE) | 10.9301% | 1,639 |
| Retained earnings to average equity (ytd only) | 6.9123% | 1,317 |
| Net charge-offs to loans | -0.0406% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2176% | 4,213 |
| Assets per employee ($millions) | 5.4208% | 1,885 |
| Cash dividends to net income (ytd only)* | 36.7589% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,942 |
| Loan loss allowance to noncurrent loans | 82.1246% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2083% | 1,792 |
| Noncurrent loans to loans | 1.5759% | 1,460 |
| Net loans and leases to total assets | 70.6986% | 2,266 |
| Net loans and leases to deposits | 92.1868% | 1,382 |
| Net loans and leases to core deposits | 105.0487% | 1,160 |
| Total domestic deposits to total assets | 76.6905% | 5,369 |
| Equity capital to assets | 11.0777% | 2,745 |
| Core capital (leverage) ratio | 9.7161% | 3,885 |
| Tier 1 risk-based capital ratio | 13.9213% | 3,756 |
| Total risk-based capital ratio | 15.1734% | 3,685 |
| Memoranda: | ||
| Average total assets | $81,972,400 | 4,827 |
| Average earning assets | $75,400,800 | 4,824 |
| Average equity | $9,258,800 | 4,791 |
| Average total loans | $59,070,800 | 4,401 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 2,612 |
| Cost of funding earning assets | 0.6592% | 1,040 |
| Net interest margin | 3.5309% | 3,426 |
| Noninterest income to average assets | 0.2476% | 5,159 |
| Noninterest expense to average assets | 2.2216% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2511% | 1,480 |
| Return on assets (ROA) | 1.2511% | 1,535 |
| Pretax return on assets | 1.2527% | 2,587 |
| Return on Equity (ROE) | 11.0194% | 1,700 |
| Retained earnings to average equity (ytd only) | 6.4547% | 1,986 |
| Net charge-offs to loans | -0.0069% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9430% | 4,260 |
| Assets per employee ($millions) | 5.0959% | 2,183 |
| Cash dividends to net income (ytd only)* | 41.4252% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 3,131 |
| Loan loss allowance to noncurrent loans | 79.0111% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.3001% | 1,798 |
| Noncurrent loans to loans | 1.6371% | 1,506 |
| Net loans and leases to total assets | 73.2823% | 1,857 |
| Net loans and leases to deposits | 96.6391% | 943 |
| Net loans and leases to core deposits | 102.4309% | 1,349 |
| Total domestic deposits to total assets | 75.8309% | 5,515 |
| Equity capital to assets | 11.4995% | 2,508 |
| Core capital (leverage) ratio | 9.8194% | 3,879 |
| Tier 1 risk-based capital ratio | 13.9655% | 3,862 |
| Total risk-based capital ratio | 15.2175% | 3,802 |
| Memoranda: | ||
| Average total assets | $80,782,250 | 4,909 |
| Average earning assets | $73,822,750 | 4,911 |
| Average equity | $9,171,500 | 4,871 |
| Average total loans | $58,307,750 | 4,465 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 2,624 |
| Cost of funding earning assets | 0.6581% | 1,060 |
| Net interest margin | 3.5197% | 3,418 |
| Noninterest income to average assets | 0.2359% | 5,270 |
| Noninterest expense to average assets | 2.0886% | 5,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3461% | 1,204 |
| Return on assets (ROA) | 1.3461% | 1,246 |
| Pretax return on assets | 1.3485% | 2,186 |
| Return on Equity (ROE) | 11.9077% | 1,394 |
| Retained earnings to average equity (ytd only) | 6.0857% | 2,182 |
| Net charge-offs to loans | -0.0069% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7659% | 4,867 |
| Assets per employee ($millions) | 5.0403% | 2,226 |
| Cash dividends to net income (ytd only)* | 48.8930% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 3,224 |
| Loan loss allowance to noncurrent loans | 56.2185% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.8104% | 1,271 |
| Noncurrent loans to loans | 2.3193% | 1,009 |
| Net loans and leases to total assets | 73.4004% | 1,757 |
| Net loans and leases to deposits | 95.2866% | 1,022 |
| Net loans and leases to core deposits | 100.5555% | 1,442 |
| Total domestic deposits to total assets | 77.0311% | 5,451 |
| Equity capital to assets | 11.3499% | 2,528 |
| Core capital (leverage) ratio | 9.6477% | 4,078 |
| Tier 1 risk-based capital ratio | 13.7518% | 4,065 |
| Total risk-based capital ratio | 15.0024% | 4,002 |
| Memoranda: | ||
| Average total assets | $80,531,670 | 4,966 |
| Average earning assets | $73,244,330 | 4,975 |
| Average equity | $9,103,330 | 4,923 |
| Average total loans | $57,566,000 | 4,520 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 2,560 |
| Cost of funding earning assets | 0.6569% | 1,067 |
| Net interest margin | 3.5165% | 3,366 |
| Noninterest income to average assets | 0.2336% | 5,293 |
| Noninterest expense to average assets | 2.0876% | 5,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3122% | 1,231 |
| Return on assets (ROA) | 1.3122% | 1,318 |
| Pretax return on assets | 1.3122% | 2,227 |
| Return on Equity (ROE) | 11.6319% | 1,446 |
| Retained earnings to average equity (ytd only) | 4.0095% | 3,597 |
| Net charge-offs to loans | -0.0071% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4035% | 4,898 |
| Assets per employee ($millions) | 4.9506% | 2,419 |
| Cash dividends to net income (ytd only)* | 65.5303% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 3,071 |
| Loan loss allowance to noncurrent loans | 59.7095% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.8962% | 1,279 |
| Noncurrent loans to loans | 2.2892% | 1,082 |
| Net loans and leases to total assets | 71.1510% | 1,956 |
| Net loans and leases to deposits | 90.3680% | 1,353 |
| Net loans and leases to core deposits | 97.7657% | 1,495 |
| Total domestic deposits to total assets | 78.7347% | 5,311 |
| Equity capital to assets | 11.5429% | 2,429 |
| Core capital (leverage) ratio | 9.4374% | 4,369 |
| Tier 1 risk-based capital ratio | 13.3523% | 4,393 |
| Total risk-based capital ratio | 14.6040% | 4,308 |
| Memoranda: | ||
| Average total assets | $80,475,500 | 5,014 |
| Average earning assets | $72,459,000 | 5,045 |
| Average equity | $9,078,500 | 4,970 |
| Average total loans | $56,361,500 | 4,597 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 2,852 |
| Cost of funding earning assets | 0.8117% | 615 |
| Net interest margin | 3.4171% | 4,126 |
| Noninterest income to average assets | 0.1957% | 5,684 |
| Noninterest expense to average assets | 2.2659% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0081% | 2,341 |
| Return on assets (ROA) | 1.0081% | 2,426 |
| Pretax return on assets | 1.0081% | 3,461 |
| Return on Equity (ROE) | 8.9496% | 2,617 |
| Retained earnings to average equity (ytd only) | 5.7378% | 2,109 |
| Net charge-offs to loans | -0.0078% | 5,520 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2096% | 3,671 |
| Assets per employee ($millions) | 5.1089% | 2,183 |
| Cash dividends to net income (ytd only)* | 35.8876% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 2,936 |
| Loan loss allowance to noncurrent loans | 107.5862% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 2,504 |
| Noncurrent loans to loans | 1.3043% | 2,269 |
| Net loans and leases to total assets | 67.0451% | 2,721 |
| Net loans and leases to deposits | 84.6616% | 2,143 |
| Net loans and leases to core deposits | 91.3141% | 2,155 |
| Total domestic deposits to total assets | 79.1918% | 5,206 |
| Equity capital to assets | 11.0274% | 2,866 |
| Core capital (leverage) ratio | 9.6973% | 3,971 |
| Tier 1 risk-based capital ratio | 13.6888% | 4,304 |
| Total risk-based capital ratio | 14.9417% | 4,236 |
| Memoranda: | ||
| Average total assets | $77,674,200 | 5,116 |
| Average earning assets | $69,972,600 | 5,125 |
| Average equity | $8,749,000 | 5,036 |
| Average total loans | $51,136,000 | 4,778 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 2,930 |
| Cost of funding earning assets | 0.8373% | 570 |
| Net interest margin | 3.3798% | 4,315 |
| Noninterest income to average assets | 0.2296% | 5,556 |
| Noninterest expense to average assets | 2.3063% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9775% | 2,553 |
| Return on assets (ROA) | 0.9775% | 2,625 |
| Pretax return on assets | 0.9775% | 3,686 |
| Return on Equity (ROE) | 8.6299% | 2,886 |
| Retained earnings to average equity (ytd only) | 5.5742% | 2,687 |
| Net charge-offs to loans | -0.0080% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2331% | 3,472 |
| Assets per employee ($millions) | 4.8591% | 2,434 |
| Cash dividends to net income (ytd only)* | 35.4099% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 2,836 |
| Loan loss allowance to noncurrent loans | 103.4574% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 2,441 |
| Noncurrent loans to loans | 1.4266% | 2,277 |
| Net loans and leases to total assets | 66.7983% | 2,719 |
| Net loans and leases to deposits | 85.3880% | 1,983 |
| Net loans and leases to core deposits | 91.1185% | 2,105 |
| Total domestic deposits to total assets | 78.2291% | 5,481 |
| Equity capital to assets | 11.4938% | 2,493 |
| Core capital (leverage) ratio | 9.5882% | 4,262 |
| Tier 1 risk-based capital ratio | 12.3099% | 5,290 |
| Total risk-based capital ratio | 13.5143% | 5,246 |
| Memoranda: | ||
| Average total assets | $76,657,250 | 5,193 |
| Average earning assets | $69,272,250 | 5,197 |
| Average equity | $8,682,750 | 5,092 |
| Average total loans | $50,024,000 | 4,863 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 3,113 |
| Cost of funding earning assets | 0.8680% | 507 |
| Net interest margin | 3.2896% | 4,631 |
| Noninterest income to average assets | 0.2097% | 5,699 |
| Noninterest expense to average assets | 2.2911% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8991% | 2,813 |
| Return on assets (ROA) | 0.8991% | 2,907 |
| Pretax return on assets | 0.8991% | 3,893 |
| Return on Equity (ROE) | 7.9783% | 3,108 |
| Retained earnings to average equity (ytd only) | 4.4195% | 3,361 |
| Net charge-offs to loans | -0.0041% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8159% | 3,378 |
| Assets per employee ($millions) | 4.6926% | 2,623 |
| Cash dividends to net income (ytd only)* | 44.6064% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 2,771 |
| Loan loss allowance to noncurrent loans | 101.0403% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.3505% | 2,424 |
| Noncurrent loans to loans | 1.5110% | 2,308 |
| Net loans and leases to total assets | 66.7479% | 2,630 |
| Net loans and leases to deposits | 87.6749% | 1,634 |
| Net loans and leases to core deposits | 93.9556% | 1,781 |
| Total domestic deposits to total assets | 76.1311% | 5,902 |
| Equity capital to assets | 11.6767% | 2,257 |
| Core capital (leverage) ratio | 9.4329% | 4,428 |
| Tier 1 risk-based capital ratio | 13.5404% | 4,555 |
| Total risk-based capital ratio | 14.7924% | 4,497 |
| Memoranda: | ||
| Average total assets | $76,294,330 | 5,244 |
| Average earning assets | $69,127,330 | 5,238 |
| Average equity | $8,598,330 | 5,137 |
| Average total loans | $49,128,330 | 4,920 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,145 |
| Cost of funding earning assets | 0.8574% | 568 |
| Net interest margin | 3.2799% | 4,620 |
| Noninterest income to average assets | 0.1821% | 5,873 |
| Noninterest expense to average assets | 2.3199% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8270% | 3,021 |
| Return on assets (ROA) | 0.8270% | 3,090 |
| Pretax return on assets | 0.8270% | 3,990 |
| Return on Equity (ROE) | 7.4700% | 3,224 |
| Retained earnings to average equity (ytd only) | 2.3961% | 4,640 |
| Net charge-offs to loans | -0.0083% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7190% | 3,201 |
| Assets per employee ($millions) | 4.4751% | 3,010 |
| Cash dividends to net income (ytd only)* | 67.9245% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 2,768 |
| Loan loss allowance to noncurrent loans | 220.7386% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 3,635 |
| Noncurrent loans to loans | 0.7179% | 4,074 |
| Net loans and leases to total assets | 63.4326% | 2,992 |
| Net loans and leases to deposits | 83.3569% | 1,899 |
| Net loans and leases to core deposits | 86.3614% | 2,280 |
| Total domestic deposits to total assets | 76.0976% | 6,068 |
| Equity capital to assets | 11.2519% | 2,477 |
| Core capital (leverage) ratio | 9.2218% | 4,691 |
| Tier 1 risk-based capital ratio | 12.4559% | 5,343 |
| Total risk-based capital ratio | 13.7080% | 5,276 |
| Memoranda: | ||
| Average total assets | $76,901,000 | 5,279 |
| Average earning assets | $69,514,500 | 5,283 |
| Average equity | $8,514,000 | 5,179 |
| Average total loans | $48,246,500 | 4,996 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 2,265 |
| Cost of funding earning assets | 0.9403% | 607 |
| Net interest margin | 3.5459% | 3,706 |
| Noninterest income to average assets | 0.2471% | 5,573 |
| Noninterest expense to average assets | 2.2961% | 5,398 |
| Loan and lease loss provision to assets | 0.0738% | 3,635 |
| Net operating income to assets | 1.0406% | 2,152 |
| Return on assets (ROA) | 1.0406% | 2,222 |
| Pretax return on assets | 1.0420% | 3,181 |
| Return on Equity (ROE) | 9.2701% | 2,425 |
| Retained earnings to average equity (ytd only) | 6.0405% | 1,944 |
| Net charge-offs to loans | -0.1797% | 6,599 |
| Credit loss provision to net charge-offs | -67.9012% | 5,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2963% | 4,325 |
| Assets per employee ($millions) | 4.5721% | 2,778 |
| Cash dividends to net income (ytd only)* | 34.8387% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 2,627 |
| Loan loss allowance to noncurrent loans | 214.9584% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 3,738 |
| Noncurrent loans to loans | 0.7607% | 4,066 |
| Net loans and leases to total assets | 60.0610% | 3,709 |
| Net loans and leases to deposits | 78.7553% | 2,623 |
| Net loans and leases to core deposits | 81.8828% | 2,907 |
| Total domestic deposits to total assets | 76.2628% | 6,073 |
| Equity capital to assets | 10.8947% | 2,711 |
| Core capital (leverage) ratio | 9.2298% | 4,673 |
| Tier 1 risk-based capital ratio | 12.5612% | 5,250 |
| Total risk-based capital ratio | 13.8131% | 5,200 |
| Memoranda: | ||
| Average total assets | $74,475,400 | 5,366 |
| Average earning assets | $66,471,600 | 5,393 |
| Average equity | $8,360,200 | 5,252 |
| Average total loans | $45,070,400 | 5,145 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,097 |
| Cost of funding earning assets | 0.9588% | 610 |
| Net interest margin | 3.5766% | 3,550 |
| Noninterest income to average assets | 0.2136% | 5,903 |
| Noninterest expense to average assets | 2.2770% | 5,414 |
| Loan and lease loss provision to assets | 0.0995% | 3,100 |
| Net operating income to assets | 1.0154% | 2,314 |
| Return on assets (ROA) | 1.0154% | 2,404 |
| Pretax return on assets | 1.0172% | 3,437 |
| Return on Equity (ROE) | 8.9758% | 2,646 |
| Retained earnings to average equity (ytd only) | 5.6639% | 2,626 |
| Net charge-offs to loans | -0.0030% | 5,721 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0933% | 4,286 |
| Assets per employee ($millions) | 4.6411% | 2,651 |
| Cash dividends to net income (ytd only)* | 36.8980% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 3,358 |
| Loan loss allowance to noncurrent loans | 187.0968% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9831% | 3,693 |
| Noncurrent loans to loans | 0.8146% | 4,204 |
| Net loans and leases to total assets | 60.5599% | 3,602 |
| Net loans and leases to deposits | 79.8657% | 2,432 |
| Net loans and leases to core deposits | 82.7963% | 2,789 |
| Total domestic deposits to total assets | 75.8272% | 6,190 |
| Equity capital to assets | 11.3013% | 2,470 |
| Core capital (leverage) ratio | 9.1098% | 4,955 |
| Tier 1 risk-based capital ratio | 13.1871% | 4,988 |
| Total risk-based capital ratio | 14.4387% | 4,933 |
| Memoranda: | ||
| Average total assets | $73,662,750 | 5,435 |
| Average earning assets | $65,498,000 | 5,474 |
| Average equity | $8,333,250 | 5,310 |
| Average total loans | $44,473,250 | 5,223 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 2,492 |
| Cost of funding earning assets | 0.9632% | 663 |
| Net interest margin | 3.4570% | 3,969 |
| Noninterest income to average assets | 0.1280% | 6,414 |
| Noninterest expense to average assets | 2.2623% | 5,469 |
| Loan and lease loss provision to assets | 0.1497% | 2,459 |
| Net operating income to assets | 0.7813% | 3,397 |
| Return on assets (ROA) | 0.7813% | 3,560 |
| Pretax return on assets | 0.7841% | 4,373 |
| Return on Equity (ROE) | 6.9043% | 3,661 |
| Retained earnings to average equity (ytd only) | 3.6807% | 3,966 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7836% | 3,679 |
| Assets per employee ($millions) | 4.3075% | 3,165 |
| Cash dividends to net income (ytd only)* | 46.6899% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 3,571 |
| Loan loss allowance to noncurrent loans | 153.6424% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 3,399 |
| Noncurrent loans to loans | 0.9793% | 3,978 |
| Net loans and leases to total assets | 62.2216% | 3,249 |
| Net loans and leases to deposits | 82.3984% | 2,010 |
| Net loans and leases to core deposits | 86.3590% | 2,302 |
| Total domestic deposits to total assets | 75.5131% | 6,308 |
| Equity capital to assets | 11.1352% | 2,623 |
| Core capital (leverage) ratio | 8.9696% | 5,043 |
| Tier 1 risk-based capital ratio | 12.4780% | 5,523 |
| Total risk-based capital ratio | 13.7296% | 5,460 |
| Memoranda: | ||
| Average total assets | $73,464,670 | 5,476 |
| Average earning assets | $65,201,670 | 5,524 |
| Average equity | $8,313,670 | 5,360 |
| Average total loans | $44,075,670 | 5,263 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 2,201 |
| Cost of funding earning assets | 0.9612% | 738 |
| Net interest margin | 3.5304% | 3,570 |
| Noninterest income to average assets | -0.0109% | 6,880 |
| Noninterest expense to average assets | 2.3429% | 5,290 |
| Loan and lease loss provision to assets | 0.1631% | 2,233 |
| Net operating income to assets | 0.5980% | 4,226 |
| Return on assets (ROA) | 0.5980% | 4,372 |
| Pretax return on assets | 0.5980% | 4,953 |
| Return on Equity (ROE) | 5.2422% | 4,434 |
| Retained earnings to average equity (ytd only) | 0.4766% | 5,635 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4816% | 3,011 |
| Assets per employee ($millions) | 4.5895% | 2,816 |
| Cash dividends to net income (ytd only)* | 90.9091% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 3,792 |
| Loan loss allowance to noncurrent loans | 146.9298% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 3,599 |
| Noncurrent loans to loans | 1.0264% | 4,083 |
| Net loans and leases to total assets | 59.5857% | 3,502 |
| Net loans and leases to deposits | 77.9905% | 2,338 |
| Net loans and leases to core deposits | 82.0534% | 2,562 |
| Total domestic deposits to total assets | 76.4013% | 6,318 |
| Equity capital to assets | 11.4037% | 2,515 |
| Core capital (leverage) ratio | 8.9557% | 4,957 |
| Tier 1 risk-based capital ratio | 12.5105% | 5,573 |
| Total risk-based capital ratio | 13.7620% | 5,522 |
| Memoranda: | ||
| Average total assets | $73,583,500 | 5,520 |
| Average earning assets | $64,921,000 | 5,583 |
| Average equity | $8,393,500 | 5,387 |
| Average total loans | $42,984,000 | 5,341 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 3,096 |
| Cost of funding earning assets | 1.1185% | 845 |
| Net interest margin | 3.4573% | 4,677 |
| Noninterest income to average assets | 0.3132% | 5,212 |
| Noninterest expense to average assets | 2.2870% | 5,723 |
| Loan and lease loss provision to assets | 0.0353% | 5,447 |
| Net operating income to assets | 1.0116% | 2,287 |
| Return on assets (ROA) | 1.0172% | 2,480 |
| Pretax return on assets | 1.0186% | 3,478 |
| Return on Equity (ROE) | 8.7713% | 2,753 |
| Retained earnings to average equity (ytd only) | 7.2141% | 1,465 |
| Net charge-offs to loans | -0.0078% | 6,433 |
| Credit loss provision to net charge-offs | -833.3333% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5702% | 4,044 |
| Assets per employee ($millions) | 4.6084% | 2,767 |
| Cash dividends to net income (ytd only)* | 17.7531% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,567 |
| Loan loss allowance to noncurrent loans | 138.2289% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 3,555 |
| Noncurrent loans to loans | 1.1145% | 3,983 |
| Net loans and leases to total assets | 55.4730% | 4,385 |
| Net loans and leases to deposits | 71.4563% | 3,501 |
| Net loans and leases to core deposits | 76.9837% | 3,411 |
| Total domestic deposits to total assets | 77.6321% | 6,137 |
| Equity capital to assets | 11.4098% | 2,527 |
| Core capital (leverage) ratio | 8.8048% | 5,171 |
| Tier 1 risk-based capital ratio | 12.7800% | 5,269 |
| Total risk-based capital ratio | 14.0303% | 5,206 |
| Memoranda: | ||
| Average total assets | $70,879,200 | 5,607 |
| Average earning assets | $61,955,800 | 5,672 |
| Average equity | $8,220,000 | 5,439 |
| Average total loans | $38,369,200 | 5,573 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 3,120 |
| Cost of funding earning assets | 1.1520% | 855 |
| Net interest margin | 3.4712% | 4,752 |
| Noninterest income to average assets | 0.3097% | 5,306 |
| Noninterest expense to average assets | 2.2936% | 5,699 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0432% | 2,307 |
| Return on assets (ROA) | 1.0451% | 2,520 |
| Pretax return on assets | 1.0470% | 3,547 |
| Return on Equity (ROE) | 8.9738% | 2,815 |
| Retained earnings to average equity (ytd only) | 7.7337% | 1,737 |
| Net charge-offs to loans | -0.0071% | 6,310 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6966% | 3,930 |
| Assets per employee ($millions) | 4.2311% | 3,403 |
| Cash dividends to net income (ytd only)* | 13.8180% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 3,519 |
| Loan loss allowance to noncurrent loans | 128.1837% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 1.3055% | 3,684 |
| Noncurrent loans to loans | 1.2478% | 3,969 |
| Net loans and leases to total assets | 52.5164% | 4,982 |
| Net loans and leases to deposits | 68.1780% | 4,157 |
| Net loans and leases to core deposits | 73.2764% | 4,075 |
| Total domestic deposits to total assets | 77.0284% | 6,226 |
| Equity capital to assets | 11.6783% | 2,558 |
| Core capital (leverage) ratio | 8.9990% | 5,071 |
| Tier 1 risk-based capital ratio | 13.1714% | 5,113 |
| Total risk-based capital ratio | 14.4215% | 5,080 |
| Memoranda: | ||
| Average total assets | $70,165,250 | 5,692 |
| Average earning assets | $61,225,250 | 5,760 |
| Average equity | $8,171,750 | 5,503 |
| Average total loans | $37,575,750 | 5,677 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 2,991 |
| Cost of funding earning assets | 1.1791% | 898 |
| Net interest margin | 3.5042% | 4,649 |
| Noninterest income to average assets | 0.3363% | 5,139 |
| Noninterest expense to average assets | 2.3168% | 5,683 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0751% | 2,146 |
| Return on assets (ROA) | 1.0779% | 2,354 |
| Pretax return on assets | 1.0808% | 3,373 |
| Return on Equity (ROE) | 9.2642% | 2,684 |
| Retained earnings to average equity (ytd only) | 7.6831% | 1,770 |
| Net charge-offs to loans | -0.0107% | 6,292 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2472% | 4,076 |
| Assets per employee ($millions) | 4.0348% | 3,806 |
| Cash dividends to net income (ytd only)* | 17.0667% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 3,214 |
| Loan loss allowance to noncurrent loans | 126.0780% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.6985% | 3,169 |
| Noncurrent loans to loans | 1.3505% | 3,902 |
| Net loans and leases to total assets | 51.6773% | 5,137 |
| Net loans and leases to deposits | 66.0480% | 4,505 |
| Net loans and leases to core deposits | 69.6371% | 4,574 |
| Total domestic deposits to total assets | 78.2420% | 6,107 |
| Equity capital to assets | 12.0366% | 2,123 |
| Core capital (leverage) ratio | 8.8928% | 5,060 |
| Tier 1 risk-based capital ratio | 13.0554% | 5,146 |
| Total risk-based capital ratio | 14.3062% | 5,125 |
| Memoranda: | ||
| Average total assets | $69,577,670 | 5,741 |
| Average earning assets | $60,726,670 | 5,812 |
| Average equity | $8,095,670 | 5,538 |
| Average total loans | $37,305,000 | 5,716 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 2,726 |
| Cost of funding earning assets | 1.2058% | 957 |
| Net interest margin | 3.5714% | 4,388 |
| Noninterest income to average assets | 0.3653% | 4,950 |
| Noninterest expense to average assets | 2.3690% | 5,570 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0903% | 2,139 |
| Return on assets (ROA) | 1.0960% | 2,300 |
| Pretax return on assets | 1.0960% | 3,336 |
| Return on Equity (ROE) | 9.5814% | 2,568 |
| Retained earnings to average equity (ytd only) | 7.5853% | 2,135 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4818% | 4,075 |
| Assets per employee ($millions) | 4.3324% | 3,330 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 3,499 |
| Loan loss allowance to noncurrent loans | 63.0278% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.0947% | 2,784 |
| Noncurrent loans to loans | 2.6335% | 2,467 |
| Net loans and leases to total assets | 52.3082% | 4,979 |
| Net loans and leases to deposits | 66.1793% | 4,348 |
| Net loans and leases to core deposits | 68.5672% | 4,617 |
| Total domestic deposits to total assets | 79.0401% | 6,062 |
| Equity capital to assets | 11.6305% | 2,321 |
| Core capital (leverage) ratio | 8.8115% | 5,118 |
| Tier 1 risk-based capital ratio | 12.6459% | 5,486 |
| Total risk-based capital ratio | 13.8964% | 5,448 |
| Memoranda: | ||
| Average total assets | $70,071,000 | 5,776 |
| Average earning assets | $60,705,000 | 5,848 |
| Average equity | $8,015,500 | 5,590 |
| Average total loans | $37,927,500 | 5,734 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9907% | 2,920 |
| Cost of funding earning assets | 1.3863% | 1,094 |
| Net interest margin | 3.6044% | 4,714 |
| Noninterest income to average assets | 0.3483% | 5,022 |
| Noninterest expense to average assets | 2.5804% | 5,171 |
| Loan and lease loss provision to assets | 0.4673% | 2,264 |
| Net operating income to assets | 0.4320% | 4,725 |
| Return on assets (ROA) | 0.4335% | 4,920 |
| Pretax return on assets | 0.4350% | 5,188 |
| Return on Equity (ROE) | 3.9453% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.9453% | 3,390 |
| Net charge-offs to loans | 0.1565% | 4,891 |
| Credit loss provision to net charge-offs | 538.9831% | 426 |
| Earnings coverage of net charge-offs (x) | 10.3898% | 1,843 |
| Efficiency ratio | 66.6948% | 4,625 |
| Assets per employee ($millions) | 4.1661% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 3,709 |
| Loan loss allowance to noncurrent loans | 85.1182% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.9428% | 3,051 |
| Noncurrent loans to loans | 1.8443% | 3,420 |
| Net loans and leases to total assets | 54.1794% | 5,013 |
| Net loans and leases to deposits | 68.1285% | 4,427 |
| Net loans and leases to core deposits | 70.5108% | 4,722 |
| Total domestic deposits to total assets | 79.5253% | 5,864 |
| Equity capital to assets | 11.2518% | 2,740 |
| Core capital (leverage) ratio | 8.5594% | 5,465 |
| Tier 1 risk-based capital ratio | 11.7639% | 5,980 |
| Total risk-based capital ratio | 13.0105% | 5,974 |
| Memoranda: | ||
| Average total assets | $68,052,400 | 5,810 |
| Average earning assets | $59,150,200 | 5,894 |
| Average equity | $7,477,200 | 5,724 |
| Average total loans | $37,700,200 | 5,798 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 3,383 |
| Cost of funding earning assets | 1.4153% | 1,165 |
| Net interest margin | 3.5246% | 5,081 |
| Noninterest income to average assets | 0.3207% | 5,304 |
| Noninterest expense to average assets | 2.6840% | 4,790 |
| Loan and lease loss provision to assets | 0.5602% | 1,754 |
| Net operating income to assets | 0.1504% | 5,835 |
| Return on assets (ROA) | 0.1504% | 5,952 |
| Pretax return on assets | 0.1524% | 5,995 |
| Return on Equity (ROE) | 1.3778% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.3778% | 5,453 |
| Net charge-offs to loans | 0.0250% | 5,792 |
| Credit loss provision to net charge-offs | 4,042.8571% | 80 |
| Earnings coverage of net charge-offs (x) | 51.4459% | 631 |
| Efficiency ratio | 68.7646% | 4,163 |
| Assets per employee ($millions) | 4.0231% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 3,327 |
| Loan loss allowance to noncurrent loans | 29.7540% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 3.8747% | 1,592 |
| Noncurrent loans to loans | 5.6553% | 1,031 |
| Net loans and leases to total assets | 53.7365% | 5,204 |
| Net loans and leases to deposits | 68.2590% | 4,561 |
| Net loans and leases to core deposits | 71.4255% | 4,782 |
| Total domestic deposits to total assets | 78.7244% | 6,042 |
| Equity capital to assets | 11.3082% | 2,861 |
| Core capital (leverage) ratio | 8.4104% | 5,835 |
| Tier 1 risk-based capital ratio | 11.5627% | 6,205 |
| Total risk-based capital ratio | 12.8135% | 6,190 |
| Memoranda: | ||
| Average total assets | $67,359,500 | 5,860 |
| Average earning assets | $58,785,000 | 5,947 |
| Average equity | $7,354,250 | 5,797 |
| Average total loans | $37,379,250 | 5,868 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 3,355 |
| Cost of funding earning assets | 1.4327% | 1,267 |
| Net interest margin | 3.5271% | 5,030 |
| Noninterest income to average assets | 0.3492% | 5,092 |
| Noninterest expense to average assets | 2.8650% | 4,162 |
| Loan and lease loss provision to assets | 0.8446% | 1,069 |
| Net operating income to assets | -0.2775% | 6,543 |
| Return on assets (ROA) | -0.2775% | 6,570 |
| Pretax return on assets | -0.2746% | 6,515 |
| Return on Equity (ROE) | -2.5734% | 6,555 |
| Retained earnings to average equity (ytd only) | -2.5734% | 6,319 |
| Net charge-offs to loans | 0.0375% | 5,327 |
| Credit loss provision to net charge-offs | 4,042.8571% | 77 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 994 |
| Efficiency ratio | 68.1147% | 4,492 |
| Assets per employee ($millions) | 4.1386% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 3,454 |
| Loan loss allowance to noncurrent loans | 40.4242% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 3.2318% | 2,073 |
| Noncurrent loans to loans | 4.1054% | 1,672 |
| Net loans and leases to total assets | 56.2877% | 4,944 |
| Net loans and leases to deposits | 71.6852% | 4,165 |
| Net loans and leases to core deposits | 75.1346% | 4,415 |
| Total domestic deposits to total assets | 78.5206% | 6,183 |
| Equity capital to assets | 11.0787% | 2,876 |
| Core capital (leverage) ratio | 8.1220% | 6,132 |
| Tier 1 risk-based capital ratio | 11.2746% | 6,336 |
| Total risk-based capital ratio | 12.5262% | 6,333 |
| Memoranda: | ||
| Average total assets | $67,015,000 | 5,925 |
| Average earning assets | $58,632,000 | 6,007 |
| Average equity | $7,227,670 | 5,859 |
| Average total loans | $37,378,670 | 5,921 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8107% | 4,012 |
| Cost of funding earning assets | 1.4181% | 1,520 |
| Net interest margin | 3.3926% | 5,458 |
| Noninterest income to average assets | 0.2907% | 5,586 |
| Noninterest expense to average assets | 2.3022% | 6,179 |
| Loan and lease loss provision to assets | 0.9078% | 881 |
| Net operating income to assets | 0.0475% | 6,239 |
| Return on assets (ROA) | 0.0475% | 6,279 |
| Pretax return on assets | 0.0475% | 6,271 |
| Return on Equity (ROE) | 0.4461% | 6,273 |
| Retained earnings to average equity (ytd only) | 0.4461% | 5,642 |
| Net charge-offs to loans | -0.0323% | 6,736 |
| Credit loss provision to net charge-offs | -5,100.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6740% | 4,121 |
| Assets per employee ($millions) | 4.2218% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,869 |
| Loan loss allowance to noncurrent loans | 22.2271% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 4.1674% | 1,584 |
| Noncurrent loans to loans | 6.1083% | 1,026 |
| Net loans and leases to total assets | 54.7477% | 5,205 |
| Net loans and leases to deposits | 68.6817% | 4,581 |
| Net loans and leases to core deposits | 72.5787% | 4,715 |
| Total domestic deposits to total assets | 79.7122% | 6,018 |
| Equity capital to assets | 10.7020% | 2,990 |
| Core capital (leverage) ratio | 8.0399% | 6,203 |
| Tier 1 risk-based capital ratio | 11.3793% | 6,195 |
| Total risk-based capital ratio | 12.4695% | 6,302 |
| Memoranda: | ||
| Average total assets | $67,414,000 | 5,952 |
| Average earning assets | $58,952,500 | 6,032 |
| Average equity | $7,173,500 | 5,877 |
| Average total loans | $37,117,500 | 5,985 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2735% | 3,248 |
| Cost of funding earning assets | 1.7321% | 1,456 |
| Net interest margin | 3.5414% | 5,069 |
| Noninterest income to average assets | 0.2626% | 5,910 |
| Noninterest expense to average assets | 2.5085% | 5,765 |
| Loan and lease loss provision to assets | 0.3020% | 4,390 |
| Net operating income to assets | 0.4765% | 4,206 |
| Return on assets (ROA) | 0.4765% | 4,365 |
| Pretax return on assets | 0.4781% | 4,699 |
| Return on Equity (ROE) | 4.2225% | 4,422 |
| Retained earnings to average equity (ytd only) | 3.8463% | 3,169 |
| Net charge-offs to loans | 0.6800% | 2,967 |
| Credit loss provision to net charge-offs | 78.6885% | 5,604 |
| Earnings coverage of net charge-offs (x) | 2.0328% | 4,208 |
| Efficiency ratio | 76.2793% | 3,011 |
| Assets per employee ($millions) | 3.9576% | 3,869 |
| Cash dividends to net income (ytd only)* | 8.9109% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 6,527 |
| Loan loss allowance to noncurrent loans | 15.0790% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 4.2598% | 1,567 |
| Noncurrent loans to loans | 6.3709% | 953 |
| Net loans and leases to total assets | 54.0904% | 5,620 |
| Net loans and leases to deposits | 67.3390% | 5,190 |
| Net loans and leases to core deposits | 71.6322% | 5,246 |
| Total domestic deposits to total assets | 80.3255% | 5,742 |
| Equity capital to assets | 10.5797% | 3,084 |
| Core capital (leverage) ratio | 8.1421% | 5,924 |
| Tier 1 risk-based capital ratio | 11.6418% | 5,781 |
| Total risk-based capital ratio | 12.4166% | 6,179 |
| Memoranda: | ||
| Average total assets | $63,584,400 | 6,073 |
| Average earning assets | $54,328,200 | 6,200 |
| Average equity | $7,175,800 | 5,973 |
| Average total loans | $35,881,400 | 6,119 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4136% | 2,817 |
| Cost of funding earning assets | 1.7804% | 1,503 |
| Net interest margin | 3.6333% | 4,711 |
| Noninterest income to average assets | 0.3170% | 5,613 |
| Noninterest expense to average assets | 2.3768% | 6,094 |
| Loan and lease loss provision to assets | 0.3830% | 3,591 |
| Net operating income to assets | 0.6469% | 3,663 |
| Return on assets (ROA) | 0.6469% | 3,828 |
| Pretax return on assets | 0.6490% | 4,427 |
| Return on Equity (ROE) | 5.6371% | 3,990 |
| Retained earnings to average equity (ytd only) | 5.1364% | 2,885 |
| Net charge-offs to loans | -0.0486% | 7,467 |
| Credit loss provision to net charge-offs | -1,384.6154% | 7,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7253% | 4,128 |
| Assets per employee ($millions) | 3.7961% | 4,276 |
| Cash dividends to net income (ytd only)* | 8.8819% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 3,341 |
| Loan loss allowance to noncurrent loans | 44.2308% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 2.9984% | 2,422 |
| Noncurrent loans to loans | 3.7245% | 2,088 |
| Net loans and leases to total assets | 55.3228% | 5,652 |
| Net loans and leases to deposits | 69.6271% | 5,203 |
| Net loans and leases to core deposits | 73.9279% | 5,303 |
| Total domestic deposits to total assets | 79.4558% | 5,883 |
| Equity capital to assets | 11.5087% | 2,527 |
| Core capital (leverage) ratio | 8.4938% | 5,517 |
| Tier 1 risk-based capital ratio | 11.2916% | 6,104 |
| Total risk-based capital ratio | 12.5410% | 6,103 |
| Memoranda: | ||
| Average total assets | $62,660,500 | 6,166 |
| Average earning assets | $53,320,750 | 6,313 |
| Average equity | $7,190,250 | 6,045 |
| Average total loans | $35,665,500 | 6,218 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 3,167 |
| Cost of funding earning assets | 1.7701% | 1,769 |
| Net interest margin | 3.5885% | 4,869 |
| Noninterest income to average assets | 0.3127% | 5,664 |
| Noninterest expense to average assets | 2.3954% | 6,078 |
| Loan and lease loss provision to assets | 0.0645% | 6,306 |
| Net operating income to assets | 0.9607% | 2,327 |
| Return on assets (ROA) | 0.9607% | 2,416 |
| Pretax return on assets | 0.9640% | 3,263 |
| Return on Equity (ROE) | 8.3810% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.3810% | 1,299 |
| Net charge-offs to loans | -0.0564% | 7,465 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9623% | 4,195 |
| Assets per employee ($millions) | 3.7249% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 5,496 |
| Loan loss allowance to noncurrent loans | 50.3472% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 2.2851% | 3,152 |
| Noncurrent loans to loans | 2.3679% | 3,297 |
| Net loans and leases to total assets | 56.9351% | 5,568 |
| Net loans and leases to deposits | 70.9411% | 5,146 |
| Net loans and leases to core deposits | 74.7476% | 5,361 |
| Total domestic deposits to total assets | 80.2568% | 5,650 |
| Equity capital to assets | 11.4792% | 2,463 |
| Core capital (leverage) ratio | 8.7512% | 5,006 |
| Tier 1 risk-based capital ratio | 11.2794% | 5,962 |
| Total risk-based capital ratio | 12.2006% | 6,279 |
| Memoranda: | ||
| Average total assets | $62,036,000 | 6,235 |
| Average earning assets | $53,782,670 | 6,332 |
| Average equity | $7,111,330 | 6,106 |
| Average total loans | $35,454,000 | 6,267 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 3,403 |
| Cost of funding earning assets | 1.8263% | 1,766 |
| Net interest margin | 3.5018% | 5,149 |
| Noninterest income to average assets | 0.2606% | 6,063 |
| Noninterest expense to average assets | 2.4889% | 5,766 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7949% | 2,990 |
| Return on assets (ROA) | 0.7949% | 3,099 |
| Pretax return on assets | 0.7949% | 3,888 |
| Return on Equity (ROE) | 6.9392% | 3,374 |
| Retained earnings to average equity (ytd only) | 6.9392% | 2,160 |
| Net charge-offs to loans | -0.0916% | 7,504 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7937% | 3,251 |
| Assets per employee ($millions) | 3.5826% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,757 |
| Loan loss allowance to noncurrent loans | 40.6897% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 2.6238% | 2,773 |
| Noncurrent loans to loans | 2.8338% | 2,835 |
| Net loans and leases to total assets | 58.1325% | 5,413 |
| Net loans and leases to deposits | 73.0226% | 4,901 |
| Net loans and leases to core deposits | 76.0286% | 5,254 |
| Total domestic deposits to total assets | 79.6089% | 5,911 |
| Equity capital to assets | 11.6363% | 2,273 |
| Core capital (leverage) ratio | 8.5954% | 5,210 |
| Tier 1 risk-based capital ratio | 11.2311% | 5,922 |
| Total risk-based capital ratio | 12.1317% | 6,245 |
| Memoranda: | ||
| Average total assets | $61,392,500 | 6,331 |
| Average earning assets | $53,002,000 | 6,438 |
| Average equity | $7,032,500 | 6,180 |
| Average total loans | $34,937,000 | 6,372 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2209% | 5,550 |
| Cost of funding earning assets | 2.0434% | 2,754 |
| Net interest margin | 3.1775% | 6,166 |
| Noninterest income to average assets | 0.3332% | 5,708 |
| Noninterest expense to average assets | 2.5218% | 6,051 |
| Loan and lease loss provision to assets | 0.5275% | 3,733 |
| Net operating income to assets | 0.0502% | 5,336 |
| Return on assets (ROA) | 0.0502% | 5,395 |
| Pretax return on assets | 0.0519% | 5,323 |
| Return on Equity (ROE) | 0.4420% | 5,405 |
| Retained earnings to average equity (ytd only) | 0.4420% | 4,657 |
| Net charge-offs to loans | 0.8007% | 2,825 |
| Credit loss provision to net charge-offs | 123.0469% | 4,296 |
| Earnings coverage of net charge-offs (x) | 1.3516% | 4,781 |
| Efficiency ratio | 81.3175% | 2,697 |
| Assets per employee ($millions) | 3.6401% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,423 |
| Loan loss allowance to noncurrent loans | 45.8664% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 2.3691% | 2,931 |
| Noncurrent loans to loans | 2.5928% | 2,964 |
| Net loans and leases to total assets | 54.3802% | 6,158 |
| Net loans and leases to deposits | 68.2244% | 5,797 |
| Net loans and leases to core deposits | 83.1731% | 5,803 |
| Total domestic deposits to total assets | 79.7078% | 5,770 |
| Equity capital to assets | 11.2765% | 2,478 |
| Core capital (leverage) ratio | 8.2860% | 5,648 |
| Tier 1 risk-based capital ratio | 10.9300% | 5,983 |
| Total risk-based capital ratio | 11.8104% | 6,317 |
| Memoranda: | ||
| Average total assets | $59,718,800 | 6,358 |
| Average earning assets | $52,021,400 | 6,460 |
| Average equity | $6,787,200 | 6,338 |
| Average total loans | $31,973,000 | 6,521 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 6,027 |
| Cost of funding earning assets | 2.0585% | 3,078 |
| Net interest margin | 3.1084% | 6,293 |
| Noninterest income to average assets | 0.3470% | 5,721 |
| Noninterest expense to average assets | 2.5932% | 5,734 |
| Loan and lease loss provision to assets | 0.3717% | 4,099 |
| Net operating income to assets | 0.0946% | 5,481 |
| Return on assets (ROA) | 0.0946% | 5,536 |
| Pretax return on assets | 0.0969% | 5,533 |
| Return on Equity (ROE) | 0.8309% | 5,550 |
| Retained earnings to average equity (ytd only) | 0.8309% | 4,834 |
| Net charge-offs to loans | 0.2586% | 4,435 |
| Credit loss provision to net charge-offs | 270.4918% | 1,570 |
| Earnings coverage of net charge-offs (x) | 3.4099% | 3,544 |
| Efficiency ratio | 84.6946% | 2,224 |
| Assets per employee ($millions) | 3.3671% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,339 |
| Loan loss allowance to noncurrent loans | 27.3889% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 3.5507% | 1,865 |
| Noncurrent loans to loans | 4.8463% | 1,401 |
| Net loans and leases to total assets | 55.1940% | 6,247 |
| Net loans and leases to deposits | 69.9628% | 5,922 |
| Net loans and leases to core deposits | 83.5673% | 6,073 |
| Total domestic deposits to total assets | 78.8906% | 5,841 |
| Equity capital to assets | 11.6470% | 2,471 |
| Core capital (leverage) ratio | 8.6238% | 5,271 |
| Tier 1 risk-based capital ratio | 11.1398% | 5,826 |
| Total risk-based capital ratio | 12.1345% | 6,032 |
| Memoranda: | ||
| Average total assets | $59,178,250 | 6,417 |
| Average earning assets | $51,687,000 | 6,511 |
| Average equity | $6,739,500 | 6,412 |
| Average total loans | $31,452,250 | 6,598 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1003% | 6,437 |
| Cost of funding earning assets | 2.0572% | 3,489 |
| Net interest margin | 3.0432% | 6,422 |
| Noninterest income to average assets | 0.3475% | 5,724 |
| Noninterest expense to average assets | 2.6779% | 5,462 |
| Loan and lease loss provision to assets | 0.5111% | 2,978 |
| Net operating income to assets | -0.1635% | 6,124 |
| Return on assets (ROA) | -0.1635% | 6,148 |
| Pretax return on assets | -0.1601% | 6,071 |
| Return on Equity (ROE) | -1.4473% | 6,139 |
| Retained earnings to average equity (ytd only) | -1.4473% | 5,599 |
| Net charge-offs to loans | 0.4048% | 3,175 |
| Credit loss provision to net charge-offs | 241.9355% | 1,916 |
| Earnings coverage of net charge-offs (x) | 1.6613% | 4,297 |
| Efficiency ratio | 88.4139% | 1,960 |
| Assets per employee ($millions) | 3.3074% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 3,829 |
| Loan loss allowance to noncurrent loans | 58.2550% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.1467% | 3,000 |
| Noncurrent loans to loans | 2.3703% | 3,054 |
| Net loans and leases to total assets | 52.0644% | 6,683 |
| Net loans and leases to deposits | 64.7950% | 6,491 |
| Net loans and leases to core deposits | 75.0781% | 6,727 |
| Total domestic deposits to total assets | 80.3524% | 5,335 |
| Equity capital to assets | 11.1634% | 2,782 |
| Core capital (leverage) ratio | 8.6394% | 5,200 |
| Tier 1 risk-based capital ratio | 11.4843% | 5,398 |
| Total risk-based capital ratio | 12.4910% | 5,565 |
| Memoranda: | ||
| Average total assets | $58,701,670 | 6,487 |
| Average earning assets | $51,722,000 | 6,570 |
| Average equity | $6,633,000 | 6,483 |
| Average total loans | $30,635,670 | 6,697 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1561% | 6,463 |
| Cost of funding earning assets | 2.1250% | 3,537 |
| Net interest margin | 3.0312% | 6,398 |
| Noninterest income to average assets | 0.3020% | 6,023 |
| Noninterest expense to average assets | 2.7108% | 4,949 |
| Loan and lease loss provision to assets | 0.9608% | 1,352 |
| Net operating income to assets | -0.7069% | 7,064 |
| Return on assets (ROA) | -0.7069% | 7,103 |
| Pretax return on assets | -0.7069% | 6,973 |
| Return on Equity (ROE) | -6.2175% | 7,082 |
| Retained earnings to average equity (ytd only) | -6.2175% | 6,712 |
| Net charge-offs to loans | 0.8334% | 1,559 |
| Credit loss provision to net charge-offs | 222.2222% | 2,037 |
| Earnings coverage of net charge-offs (x) | 0.5873% | 4,523 |
| Efficiency ratio | 91.4352% | 1,620 |
| Assets per employee ($millions) | 3.6142% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 3,548 |
| Loan loss allowance to noncurrent loans | 82.9412% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.8037% | 3,209 |
| Noncurrent loans to loans | 1.6776% | 3,741 |
| Net loans and leases to total assets | 51.8391% | 6,703 |
| Net loans and leases to deposits | 64.2621% | 6,540 |
| Net loans and leases to core deposits | 73.7006% | 6,819 |
| Total domestic deposits to total assets | 80.6682% | 5,106 |
| Equity capital to assets | 11.5275% | 2,573 |
| Core capital (leverage) ratio | 8.7916% | 5,006 |
| Tier 1 risk-based capital ratio | 11.6921% | 5,215 |
| Total risk-based capital ratio | 12.7024% | 5,353 |
| Memoranda: | ||
| Average total assets | $58,285,500 | 6,532 |
| Average earning assets | $51,201,000 | 6,612 |
| Average equity | $6,626,500 | 6,539 |
| Average total loans | $30,238,500 | 6,752 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7851% | 6,485 |
| Cost of funding earning assets | 2.6385% | 3,493 |
| Net interest margin | 3.1466% | 6,531 |
| Noninterest income to average assets | 0.3028% | 6,280 |
| Noninterest expense to average assets | 2.3939% | 6,416 |
| Loan and lease loss provision to assets | 0.3520% | 3,578 |
| Net operating income to assets | 0.2693% | 5,646 |
| Return on assets (ROA) | 0.2693% | 5,465 |
| Pretax return on assets | 0.2711% | 5,576 |
| Return on Equity (ROE) | 2.3586% | 5,475 |
| Retained earnings to average equity (ytd only) | 1.8036% | 4,116 |
| Net charge-offs to loans | 1.4155% | 830 |
| Credit loss provision to net charge-offs | 45.7666% | 6,393 |
| Earnings coverage of net charge-offs (x) | 0.8101% | 5,748 |
| Efficiency ratio | 79.3466% | 2,699 |
| Assets per employee ($millions) | 3.4555% | 4,785 |
| Cash dividends to net income (ytd only)* | 23.5294% | 4,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 4,914 |
| Loan loss allowance to noncurrent loans | 67.1845% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.8930% | 2,597 |
| Noncurrent loans to loans | 1.7123% | 3,198 |
| Net loans and leases to total assets | 50.6111% | 6,973 |
| Net loans and leases to deposits | 63.0522% | 6,874 |
| Net loans and leases to core deposits | 72.3171% | 7,060 |
| Total domestic deposits to total assets | 80.2686% | 4,921 |
| Equity capital to assets | 11.2131% | 2,875 |
| Core capital (leverage) ratio | 9.0285% | 4,701 |
| Tier 1 risk-based capital ratio | 11.7761% | 5,001 |
| Total risk-based capital ratio | 12.5913% | 5,303 |
| Memoranda: | ||
| Average total assets | $56,812,200 | 6,500 |
| Average earning assets | $49,005,000 | 6,635 |
| Average equity | $6,487,000 | 6,646 |
| Average total loans | $30,872,800 | 6,656 |