Home > Prime Security Bank > Performance and Condition Ratios
Prime Security Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7107% | 1,644 |
| Cost of funding earning assets | 2.3379% | 1,149 |
| Net interest margin | 3.3729% | 2,613 |
| Noninterest income to average assets | 0.5100% | 1,697 |
| Noninterest expense to average assets | 2.2295% | 3,026 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.4331% | 1,200 |
| Return on assets (ROA) | 1.4331% | 1,201 |
| Pretax return on assets | 1.4559% | 1,612 |
| Return on Equity (ROE) | 17.9300% | 650 |
| Retained earnings to average equity (ytd only) | 14.3571% | 496 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 60.0307% | 2,964 |
| Assets per employee ($millions) | 8.4706% | 1,316 |
| Cash dividends to net income (ytd only)* | 19.9203% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 3,751 |
| Loan loss allowance to noncurrent loans | 186.5455% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 697 |
| Noncurrent loans to loans | 0.4529% | 1,993 |
| Net loans and leases to total assets | 83.6300% | 275 |
| Net loans and leases to deposits | 97.7316% | 514 |
| Net loans and leases to core deposits | 100.5839% | 1,333 |
| Total domestic deposits to total assets | 85.5700% | 2,452 |
| Equity capital to assets | 7.9035% | 3,646 |
| Core capital (leverage) ratio | 8.6556% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5491% | 2,607 |
| Memoranda: | ||
| Average total assets | $140,120,500 | 3,441 |
| Average earning assets | $132,942,500 | 3,404 |
| Average equity | $11,200,000 | 3,683 |
| Average total loans | $119,487,000 | 3,036 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9913% | 1,304 |
| Cost of funding earning assets | 2.5400% | 1,078 |
| Net interest margin | 3.4513% | 2,168 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 2.4564% | 2,431 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 0.8161% | 2,649 |
| Return on assets (ROA) | 0.8161% | 2,659 |
| Pretax return on assets | 0.8957% | 2,816 |
| Return on Equity (ROE) | 10.2700% | 2,082 |
| Retained earnings to average equity (ytd only) | 6.5961% | 1,589 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.0750% | 1,978 |
| Assets per employee ($millions) | 8.0142% | 1,528 |
| Cash dividends to net income (ytd only)* | 35.7782% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 3,629 |
| Loan loss allowance to noncurrent loans | 192.7273% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3278% | 459 |
| Noncurrent loans to loans | 0.4680% | 1,908 |
| Net loans and leases to total assets | 85.4900% | 184 |
| Net loans and leases to deposits | 102.1811% | 391 |
| Net loans and leases to core deposits | 105.3733% | 1,159 |
| Total domestic deposits to total assets | 83.6600% | 2,872 |
| Equity capital to assets | 8.0879% | 3,454 |
| Core capital (leverage) ratio | 8.2965% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5650% | 2,640 |
| Memoranda: | ||
| Average total assets | $136,990,200 | 3,474 |
| Average earning assets | $130,789,600 | 3,431 |
| Average equity | $10,885,200 | 3,689 |
| Average total loans | $118,754,000 | 3,008 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9575% | 1,315 |
| Cost of funding earning assets | 2.5751% | 1,024 |
| Net interest margin | 3.3824% | 2,271 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 2.4435% | 2,404 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 0.7562% | 2,823 |
| Return on assets (ROA) | 0.7562% | 2,835 |
| Pretax return on assets | 0.8621% | 2,897 |
| Return on Equity (ROE) | 9.5600% | 2,304 |
| Retained earnings to average equity (ytd only) | 4.6443% | 2,606 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 70.7970% | 1,929 |
| Assets per employee ($millions) | 7.0367% | 2,120 |
| Cash dividends to net income (ytd only)* | 51.4139% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 3,737 |
| Loan loss allowance to noncurrent loans | 71.2758% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.3867% | 399 |
| Noncurrent loans to loans | 1.2284% | 819 |
| Net loans and leases to total assets | 84.6800% | 213 |
| Net loans and leases to deposits | 99.5787% | 510 |
| Net loans and leases to core deposits | 102.1935% | 1,352 |
| Total domestic deposits to total assets | 85.0300% | 2,281 |
| Equity capital to assets | 8.1139% | 3,638 |
| Core capital (leverage) ratio | 8.0188% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8060% | 2,600 |
| Memoranda: | ||
| Average total assets | $137,177,500 | 3,474 |
| Average earning assets | $131,304,750 | 3,429 |
| Average equity | $10,851,750 | 3,702 |
| Average total loans | $119,060,750 | 2,998 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8232% | 1,429 |
| Cost of funding earning assets | 2.4896% | 1,100 |
| Net interest margin | 3.3336% | 2,333 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 2.4158% | 2,471 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 0.6708% | 3,004 |
| Return on assets (ROA) | 0.6708% | 3,034 |
| Pretax return on assets | 0.8284% | 2,931 |
| Return on Equity (ROE) | 8.5500% | 2,577 |
| Retained earnings to average equity (ytd only) | 4.8650% | 2,381 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 70.6853% | 2,029 |
| Assets per employee ($millions) | 7.2014% | 1,943 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 3,907 |
| Loan loss allowance to noncurrent loans | 32.3441% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.1918% | 153 |
| Noncurrent loans to loans | 2.5153% | 256 |
| Net loans and leases to total assets | 86.4300% | 137 |
| Net loans and leases to deposits | 102.1958% | 445 |
| Net loans and leases to core deposits | 104.9529% | 1,208 |
| Total domestic deposits to total assets | 84.5700% | 2,440 |
| Equity capital to assets | 7.8661% | 3,517 |
| Core capital (leverage) ratio | 7.9815% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2891% | 2,741 |
| Memoranda: | ||
| Average total assets | $138,337,667 | 3,478 |
| Average earning assets | $132,710,333 | 3,421 |
| Average equity | $10,853,000 | 3,692 |
| Average total loans | $120,677,667 | 2,985 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7936% | 1,318 |
| Cost of funding earning assets | 2.3486% | 1,257 |
| Net interest margin | 3.4450% | 2,003 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.3524% | 2,648 |
| Loan and lease loss provision to assets | 0.3200% | 287 |
| Net operating income to assets | 0.8225% | 2,475 |
| Return on assets (ROA) | 0.8225% | 2,489 |
| Pretax return on assets | 0.8225% | 2,872 |
| Return on Equity (ROE) | 10.5000% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.8269% | 1,883 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.3806% | 2,445 |
| Assets per employee ($millions) | 7.3439% | 1,851 |
| Cash dividends to net income (ytd only)* | 34.9650% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 3,981 |
| Loan loss allowance to noncurrent loans | 31.9468% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 2.1536% | 140 |
| Noncurrent loans to loans | 2.4466% | 236 |
| Net loans and leases to total assets | 87.3400% | 103 |
| Net loans and leases to deposits | 107.0145% | 255 |
| Net loans and leases to core deposits | 112.3748% | 860 |
| Total domestic deposits to total assets | 81.6100% | 3,256 |
| Equity capital to assets | 7.8525% | 3,465 |
| Core capital (leverage) ratio | 8.2578% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0111% | 2,806 |
| Memoranda: | ||
| Average total assets | $139,093,000 | 3,481 |
| Average earning assets | $133,527,000 | 3,430 |
| Average equity | $10,898,000 | 3,698 |
| Average total loans | $121,400,500 | 2,979 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7175% | 908 |
| Cost of funding earning assets | 1.8911% | 1,083 |
| Net interest margin | 3.8264% | 1,523 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.2688% | 2,926 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.6987% | 737 |
| Return on assets (ROA) | 1.6987% | 700 |
| Pretax return on assets | 1.8703% | 803 |
| Return on Equity (ROE) | 21.3400% | 514 |
| Retained earnings to average equity (ytd only) | 17.5424% | 205 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.2186% | 3,662 |
| Assets per employee ($millions) | 7.2974% | 1,866 |
| Cash dividends to net income (ytd only)* | 17.8015% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 4,110 |
| Loan loss allowance to noncurrent loans | 73.7847% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 607 |
| Noncurrent loans to loans | 0.9602% | 769 |
| Net loans and leases to total assets | 85.9200% | 162 |
| Net loans and leases to deposits | 100.9004% | 487 |
| Net loans and leases to core deposits | 105.5390% | 1,136 |
| Total domestic deposits to total assets | 85.1500% | 2,265 |
| Equity capital to assets | 7.8175% | 3,529 |
| Core capital (leverage) ratio | 8.2290% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8411% | 2,837 |
| Memoranda: | ||
| Average total assets | $132,275,400 | 3,528 |
| Average earning assets | $126,331,600 | 3,477 |
| Average equity | $10,528,800 | 3,659 |
| Average total loans | $114,282,200 | 2,999 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6659% | 833 |
| Cost of funding earning assets | 1.7493% | 1,097 |
| Net interest margin | 3.9167% | 1,367 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.2915% | 2,821 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.9232% | 549 |
| Return on assets (ROA) | 1.9232% | 540 |
| Pretax return on assets | 2.0446% | 717 |
| Return on Equity (ROE) | 24.0500% | 433 |
| Retained earnings to average equity (ytd only) | 18.9446% | 299 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.2326% | 3,742 |
| Assets per employee ($millions) | 7.5956% | 1,567 |
| Cash dividends to net income (ytd only)* | 21.2202% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7015% | 4,138 |
| Loan loss allowance to noncurrent loans | 73.9437% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 666 |
| Noncurrent loans to loans | 0.9486% | 869 |
| Net loans and leases to total assets | 86.9700% | 122 |
| Net loans and leases to deposits | 106.3862% | 285 |
| Net loans and leases to core deposits | 110.7426% | 847 |
| Total domestic deposits to total assets | 81.7500% | 3,263 |
| Equity capital to assets | 7.8394% | 3,155 |
| Core capital (leverage) ratio | 8.1459% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9563% | 2,829 |
| Memoranda: | ||
| Average total assets | $130,681,500 | 3,555 |
| Average earning assets | $124,695,250 | 3,504 |
| Average equity | $10,451,250 | 3,674 |
| Average total loans | $112,859,000 | 3,028 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 883 |
| Cost of funding earning assets | 1.5378% | 1,179 |
| Net interest margin | 3.9243% | 1,379 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.3347% | 2,697 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.1186% | 393 |
| Return on assets (ROA) | 2.1186% | 388 |
| Pretax return on assets | 2.2399% | 507 |
| Return on Equity (ROE) | 26.3100% | 319 |
| Retained earnings to average equity (ytd only) | 22.4467% | 174 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.5214% | 3,881 |
| Assets per employee ($millions) | 7.4229% | 1,645 |
| Cash dividends to net income (ytd only)* | 14.6735% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 4,182 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 87.0300% | 116 |
| Net loans and leases to deposits | 102.6619% | 409 |
| Net loans and leases to core deposits | 105.2251% | 1,012 |
| Total domestic deposits to total assets | 84.7700% | 2,602 |
| Equity capital to assets | 7.9806% | 3,230 |
| Core capital (leverage) ratio | 8.5058% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0216% | 2,844 |
| Memoranda: | ||
| Average total assets | $128,668,667 | 3,585 |
| Average earning assets | $122,772,667 | 3,529 |
| Average equity | $10,362,333 | 3,693 |
| Average total loans | $110,561,667 | 3,051 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3775% | 755 |
| Cost of funding earning assets | 1.3120% | 1,206 |
| Net interest margin | 4.0655% | 1,148 |
| Noninterest income to average assets | 1.5100% | 329 |
| Noninterest expense to average assets | 2.3804% | 2,581 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.9478% | 159 |
| Return on assets (ROA) | 2.9478% | 158 |
| Pretax return on assets | 2.9478% | 209 |
| Return on Equity (ROE) | 36.4300% | 142 |
| Retained earnings to average equity (ytd only) | 28.5938% | 125 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.1505% | 4,296 |
| Assets per employee ($millions) | 6.7534% | 2,150 |
| Cash dividends to net income (ytd only)* | 21.5054% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7246% | 4,209 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 86.4800% | 123 |
| Net loans and leases to deposits | 105.2716% | 273 |
| Net loans and leases to core deposits | 107.8101% | 764 |
| Total domestic deposits to total assets | 82.1500% | 3,461 |
| Equity capital to assets | 8.2251% | 3,098 |
| Core capital (leverage) ratio | 8.7211% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3117% | 2,900 |
| Memoranda: | ||
| Average total assets | $126,197,000 | 3,657 |
| Average earning assets | $120,428,500 | 3,604 |
| Average equity | $10,212,000 | 3,760 |
| Average total loans | $107,292,500 | 3,118 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8251% | 412 |
| Cost of funding earning assets | 0.5174% | 1,284 |
| Net interest margin | 4.3077% | 416 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.7982% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3908% | 1,155 |
| Return on assets (ROA) | 1.3908% | 1,104 |
| Pretax return on assets | 1.5053% | 1,440 |
| Return on Equity (ROE) | 16.5700% | 947 |
| Retained earnings to average equity (ytd only) | 13.4493% | 458 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.6916% | 2,404 |
| Assets per employee ($millions) | 6.5305% | 2,311 |
| Cash dividends to net income (ytd only)* | 18.8561% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 4,098 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.2200% | 388 |
| Net loans and leases to deposits | 93.9728% | 784 |
| Net loans and leases to core deposits | 95.9374% | 1,210 |
| Total domestic deposits to total assets | 87.4900% | 2,237 |
| Equity capital to assets | 7.9546% | 3,086 |
| Core capital (leverage) ratio | 8.3809% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6335% | 2,832 |
| Memoranda: | ||
| Average total assets | $114,395,600 | 3,783 |
| Average earning assets | $108,433,600 | 3,738 |
| Average equity | $9,599,000 | 3,919 |
| Average total loans | $96,934,000 | 3,196 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 360 |
| Cost of funding earning assets | 0.3699% | 1,528 |
| Net interest margin | 4.3195% | 327 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.4112% | 2,284 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.7361% | 488 |
| Return on assets (ROA) | 1.7361% | 475 |
| Pretax return on assets | 1.8920% | 592 |
| Return on Equity (ROE) | 20.4000% | 400 |
| Retained earnings to average equity (ytd only) | 16.1989% | 266 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.5955% | 3,663 |
| Assets per employee ($millions) | 6.4254% | 2,387 |
| Cash dividends to net income (ytd only)* | 20.5761% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 4,147 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 83.6600% | 274 |
| Net loans and leases to deposits | 105.5441% | 197 |
| Net loans and leases to core deposits | 108.5954% | 514 |
| Total domestic deposits to total assets | 79.2600% | 4,163 |
| Equity capital to assets | 7.9716% | 2,914 |
| Core capital (leverage) ratio | 8.7697% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5152% | 2,945 |
| Memoranda: | ||
| Average total assets | $111,974,750 | 3,835 |
| Average earning assets | $105,965,750 | 3,792 |
| Average equity | $9,531,250 | 3,975 |
| Average total loans | $95,466,250 | 3,230 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 285 |
| Cost of funding earning assets | 0.3231% | 1,503 |
| Net interest margin | 4.3072% | 267 |
| Noninterest income to average assets | 0.2173% | 3,895 |
| Noninterest expense to average assets | 2.3977% | 2,228 |
| Loan and lease loss provision to assets | 0.0092% | 2,426 |
| Net operating income to assets | 1.7366% | 389 |
| Return on assets (ROA) | 1.7366% | 386 |
| Pretax return on assets | 1.8857% | 481 |
| Return on Equity (ROE) | 19.9274% | 310 |
| Retained earnings to average equity (ytd only) | 19.9274% | 76 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2982% | 3,845 |
| Assets per employee ($millions) | 5.8458% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 4,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 85.6848% | 99 |
| Net loans and leases to deposits | 100.0431% | 268 |
| Net loans and leases to core deposits | 101.5526% | 610 |
| Total domestic deposits to total assets | 85.6479% | 3,342 |
| Equity capital to assets | 8.5198% | 2,747 |
| Core capital (leverage) ratio | 9.0588% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2941% | 2,728 |
| Memoranda: | ||
| Average total assets | $108,605,333 | 3,906 |
| Average earning assets | $102,758,333 | 3,885 |
| Average equity | $9,464,333 | 4,050 |
| Average total loans | $92,980,333 | 3,287 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 326 |
| Cost of funding earning assets | 0.2968% | 1,685 |
| Net interest margin | 4.1789% | 297 |
| Noninterest income to average assets | 0.2198% | 3,838 |
| Noninterest expense to average assets | 2.3619% | 2,297 |
| Loan and lease loss provision to assets | 0.0186% | 2,024 |
| Net operating income to assets | 1.8254% | 312 |
| Return on assets (ROA) | 1.8254% | 314 |
| Pretax return on assets | 1.8254% | 520 |
| Return on Equity (ROE) | 20.7079% | 210 |
| Retained earnings to average equity (ytd only) | 20.7079% | 87 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1559% | 3,865 |
| Assets per employee ($millions) | 6.7065% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,180 |
| Loan loss allowance to noncurrent loans | 1,144.9275% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 2,824 |
| Noncurrent loans to loans | 0.0732% | 3,484 |
| Net loans and leases to total assets | 87.1403% | 37 |
| Net loans and leases to deposits | 103.7032% | 119 |
| Net loans and leases to core deposits | 104.3618% | 383 |
| Total domestic deposits to total assets | 84.0286% | 3,761 |
| Equity capital to assets | 8.7918% | 2,885 |
| Core capital (leverage) ratio | 9.1314% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4081% | 2,805 |
| Memoranda: | ||
| Average total assets | $107,372,500 | 3,942 |
| Average earning assets | $102,418,500 | 3,908 |
| Average equity | $9,465,000 | 4,114 |
| Average total loans | $91,490,000 | 3,305 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 204 |
| Cost of funding earning assets | 0.4017% | 1,533 |
| Net interest margin | 4.7579% | 187 |
| Noninterest income to average assets | 0.5007% | 2,564 |
| Noninterest expense to average assets | 2.5467% | 2,035 |
| Loan and lease loss provision to assets | 0.0641% | 1,788 |
| Net operating income to assets | 2.1673% | 257 |
| Return on assets (ROA) | 2.1673% | 273 |
| Pretax return on assets | 2.3841% | 307 |
| Return on Equity (ROE) | 24.2828% | 136 |
| Retained earnings to average equity (ytd only) | 24.2828% | 27 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9866% | 4,206 |
| Assets per employee ($millions) | 6.3201% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 4,097 |
| Loan loss allowance to noncurrent loans | 1,121.4286% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 2,966 |
| Noncurrent loans to loans | 0.0789% | 3,535 |
| Net loans and leases to total assets | 81.8123% | 193 |
| Net loans and leases to deposits | 96.1318% | 310 |
| Net loans and leases to core deposits | 96.7327% | 664 |
| Total domestic deposits to total assets | 85.1044% | 3,238 |
| Equity capital to assets | 8.8383% | 3,774 |
| Core capital (leverage) ratio | 9.2005% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2990% | 2,530 |
| Memoranda: | ||
| Average total assets | $101,463,400 | 3,973 |
| Average earning assets | $95,840,600 | 3,954 |
| Average equity | $9,055,800 | 4,237 |
| Average total loans | $87,340,600 | 3,373 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 154 |
| Cost of funding earning assets | 0.4224% | 1,541 |
| Net interest margin | 5.0221% | 152 |
| Noninterest income to average assets | 0.2161% | 4,102 |
| Noninterest expense to average assets | 2.4074% | 2,417 |
| Loan and lease loss provision to assets | 0.0870% | 1,363 |
| Net operating income to assets | 2.4474% | 229 |
| Return on assets (ROA) | 2.4474% | 237 |
| Pretax return on assets | 2.4474% | 368 |
| Return on Equity (ROE) | 27.3494% | 122 |
| Retained earnings to average equity (ytd only) | 27.3494% | 37 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7179% | 4,319 |
| Assets per employee ($millions) | 6.3693% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 4,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,587 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 83.9494% | 116 |
| Net loans and leases to deposits | 99.2264% | 241 |
| Net loans and leases to core deposits | 101.7265% | 532 |
| Total domestic deposits to total assets | 84.6039% | 3,262 |
| Equity capital to assets | 8.9943% | 3,841 |
| Core capital (leverage) ratio | 9.3197% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3539% | 3,054 |
| Memoranda: | ||
| Average total assets | $99,969,000 | 4,040 |
| Average earning assets | $94,062,750 | 4,020 |
| Average equity | $8,945,750 | 4,308 |
| Average total loans | $87,004,500 | 3,424 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0708% | 93 |
| Cost of funding earning assets | 0.4759% | 1,354 |
| Net interest margin | 5.5949% | 86 |
| Noninterest income to average assets | 0.2175% | 4,104 |
| Noninterest expense to average assets | 2.4083% | 2,436 |
| Loan and lease loss provision to assets | 0.1309% | 944 |
| Net operating income to assets | 2.9339% | 141 |
| Return on assets (ROA) | 2.9339% | 144 |
| Pretax return on assets | 2.9339% | 202 |
| Return on Equity (ROE) | 32.8437% | 76 |
| Retained earnings to average equity (ytd only) | 32.8437% | 26 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0029% | 4,616 |
| Assets per employee ($millions) | 5.4947% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 1,979 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 88.8833% | 24 |
| Net loans and leases to deposits | 107.1733% | 141 |
| Net loans and leases to core deposits | 110.0126% | 359 |
| Total domestic deposits to total assets | 82.9341% | 3,720 |
| Equity capital to assets | 9.3110% | 3,501 |
| Core capital (leverage) ratio | 9.1865% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8887% | 2,406 |
| Memoranda: | ||
| Average total assets | $99,322,333 | 4,071 |
| Average earning assets | $93,299,333 | 4,055 |
| Average equity | $8,872,333 | 4,336 |
| Average total loans | $87,227,000 | 3,438 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0001% | 48 |
| Cost of funding earning assets | 0.5135% | 1,314 |
| Net interest margin | 6.4866% | 44 |
| Noninterest income to average assets | 0.1487% | 4,457 |
| Noninterest expense to average assets | 2.3390% | 2,679 |
| Loan and lease loss provision to assets | 0.2612% | 386 |
| Net operating income to assets | 3.6411% | 99 |
| Return on assets (ROA) | 3.6411% | 105 |
| Pretax return on assets | 3.6411% | 127 |
| Return on Equity (ROE) | 41.6360% | 63 |
| Retained earnings to average equity (ytd only) | 41.6360% | 33 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4759% | 4,820 |
| Assets per employee ($millions) | 6.7205% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 1,343 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 87.7013% | 49 |
| Net loans and leases to deposits | 108.2422% | 150 |
| Net loans and leases to core deposits | 111.8747% | 360 |
| Total domestic deposits to total assets | 81.0231% | 4,060 |
| Equity capital to assets | 8.9944% | 3,694 |
| Core capital (leverage) ratio | 9.4299% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0602% | 2,267 |
| Memoranda: | ||
| Average total assets | $99,531,000 | 4,081 |
| Average earning assets | $93,484,500 | 4,058 |
| Average equity | $8,704,000 | 4,368 |
| Average total loans | $86,493,000 | 3,462 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 326 |
| Cost of funding earning assets | 0.7873% | 1,261 |
| Net interest margin | 4.4324% | 373 |
| Noninterest income to average assets | -0.0912% | 4,979 |
| Noninterest expense to average assets | 2.5030% | 2,844 |
| Loan and lease loss provision to assets | 0.2137% | 1,838 |
| Net operating income to assets | 1.3505% | 1,125 |
| Return on assets (ROA) | 1.3505% | 1,221 |
| Pretax return on assets | 1.3505% | 1,817 |
| Return on Equity (ROE) | 15.9218% | 512 |
| Retained earnings to average equity (ytd only) | 15.9218% | 118 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5404% | 3,217 |
| Assets per employee ($millions) | 6.5503% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 4,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 1,405 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 84.5474% | 150 |
| Net loans and leases to deposits | 103.7350% | 264 |
| Net loans and leases to core deposits | 107.2755% | 596 |
| Total domestic deposits to total assets | 81.5032% | 3,759 |
| Equity capital to assets | 8.4891% | 4,449 |
| Core capital (leverage) ratio | 8.9248% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7678% | 2,978 |
| Memoranda: | ||
| Average total assets | $95,446,000 | 4,052 |
| Average earning assets | $89,545,800 | 4,036 |
| Average equity | $8,095,800 | 4,412 |
| Average total loans | $80,944,800 | 3,537 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4052% | 275 |
| Cost of funding earning assets | 0.8281% | 1,368 |
| Net interest margin | 4.5771% | 323 |
| Noninterest income to average assets | -0.2069% | 5,014 |
| Noninterest expense to average assets | 2.4740% | 2,919 |
| Loan and lease loss provision to assets | 0.2702% | 1,503 |
| Net operating income to assets | 1.3425% | 1,255 |
| Return on assets (ROA) | 1.3425% | 1,349 |
| Pretax return on assets | 1.3425% | 1,896 |
| Return on Equity (ROE) | 15.8313% | 567 |
| Retained earnings to average equity (ytd only) | 15.8313% | 166 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5372% | 3,298 |
| Assets per employee ($millions) | 6.8666% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 4,394 |
| Loan loss allowance to noncurrent loans | 129.9083% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 2,114 |
| Noncurrent loans to loans | 0.6040% | 2,292 |
| Net loans and leases to total assets | 86.9154% | 111 |
| Net loans and leases to deposits | 110.5114% | 218 |
| Net loans and leases to core deposits | 116.6152% | 486 |
| Total domestic deposits to total assets | 78.6483% | 4,110 |
| Equity capital to assets | 8.0020% | 4,712 |
| Core capital (leverage) ratio | 8.7247% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2906% | 2,840 |
| Memoranda: | ||
| Average total assets | $94,743,750 | 4,059 |
| Average earning assets | $88,875,500 | 4,039 |
| Average equity | $8,034,500 | 4,438 |
| Average total loans | $80,233,000 | 3,571 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9086% | 160 |
| Cost of funding earning assets | 0.9033% | 1,364 |
| Net interest margin | 5.0053% | 206 |
| Noninterest income to average assets | 0.2696% | 3,866 |
| Noninterest expense to average assets | 2.5567% | 2,805 |
| Loan and lease loss provision to assets | 0.4174% | 947 |
| Net operating income to assets | 1.9697% | 351 |
| Return on assets (ROA) | 1.9697% | 391 |
| Pretax return on assets | 1.9697% | 582 |
| Return on Equity (ROE) | 22.7486% | 145 |
| Retained earnings to average equity (ytd only) | 22.7486% | 66 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7150% | 4,379 |
| Assets per employee ($millions) | 6.8633% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 4,349 |
| Loan loss allowance to noncurrent loans | 150.9595% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0005% | 1,203 |
| Noncurrent loans to loans | 0.5281% | 2,581 |
| Net loans and leases to total assets | 85.5697% | 155 |
| Net loans and leases to deposits | 109.4009% | 243 |
| Net loans and leases to core deposits | 116.5280% | 514 |
| Total domestic deposits to total assets | 78.2166% | 4,162 |
| Equity capital to assets | 8.1399% | 4,657 |
| Core capital (leverage) ratio | 9.3575% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4238% | 2,850 |
| Memoranda: | ||
| Average total assets | $91,992,000 | 4,098 |
| Average earning assets | $85,909,000 | 4,080 |
| Average equity | $7,965,333 | 4,460 |
| Average total loans | $76,900,667 | 3,631 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 1,362 |
| Cost of funding earning assets | 1.0511% | 1,215 |
| Net interest margin | 3.7731% | 2,073 |
| Noninterest income to average assets | 0.2959% | 3,753 |
| Noninterest expense to average assets | 2.7834% | 2,476 |
| Loan and lease loss provision to assets | 0.1017% | 2,413 |
| Net operating income to assets | 0.9293% | 2,419 |
| Return on assets (ROA) | 0.9293% | 2,531 |
| Pretax return on assets | 0.9293% | 3,057 |
| Return on Equity (ROE) | 10.3635% | 1,623 |
| Retained earnings to average equity (ytd only) | 10.3635% | 670 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9697% | 1,943 |
| Assets per employee ($millions) | 5.0829% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,472 |
| Loan loss allowance to noncurrent loans | 118.2418% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 1,138 |
| Noncurrent loans to loans | 0.6517% | 2,362 |
| Net loans and leases to total assets | 80.1803% | 678 |
| Net loans and leases to deposits | 95.7397% | 937 |
| Net loans and leases to core deposits | 105.0857% | 1,109 |
| Total domestic deposits to total assets | 83.7482% | 2,868 |
| Equity capital to assets | 8.9724% | 4,617 |
| Core capital (leverage) ratio | 9.3013% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7916% | 2,802 |
| Memoranda: | ||
| Average total assets | $86,513,000 | 4,178 |
| Average earning assets | $80,676,500 | 4,160 |
| Average equity | $7,758,000 | 4,513 |
| Average total loans | $70,950,000 | 3,743 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1898% | 1,018 |
| Cost of funding earning assets | 1.1373% | 1,203 |
| Net interest margin | 4.0525% | 1,679 |
| Noninterest income to average assets | 0.4453% | 3,028 |
| Noninterest expense to average assets | 2.9723% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2140% | 2,008 |
| Return on assets (ROA) | 1.2140% | 2,096 |
| Pretax return on assets | 1.2140% | 2,789 |
| Return on Equity (ROE) | 13.3372% | 1,063 |
| Retained earnings to average equity (ytd only) | 13.3372% | 150 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0003% | 2,023 |
| Assets per employee ($millions) | 4.8121% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 4,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 2,097 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.6200% | 474 |
| Net loans and leases to deposits | 98.4902% | 715 |
| Net loans and leases to core deposits | 108.8742% | 920 |
| Total domestic deposits to total assets | 83.8865% | 2,884 |
| Equity capital to assets | 8.9624% | 4,702 |
| Core capital (leverage) ratio | 9.3659% | 4,206 |
| Tier 1 risk-based capital ratio | 11.8149% | 4,466 |
| Total risk-based capital ratio | 12.6003% | 4,588 |
| Memoranda: | ||
| Average total assets | $82,865,800 | 4,245 |
| Average earning assets | $76,496,600 | 4,242 |
| Average equity | $7,542,800 | 4,566 |
| Average total loans | $69,383,600 | 3,789 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2166% | 1,006 |
| Cost of funding earning assets | 1.1430% | 1,199 |
| Net interest margin | 4.0737% | 1,687 |
| Noninterest income to average assets | 0.4540% | 2,999 |
| Noninterest expense to average assets | 2.9765% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2303% | 2,094 |
| Return on assets (ROA) | 1.2303% | 2,170 |
| Pretax return on assets | 1.2303% | 2,883 |
| Return on Equity (ROE) | 13.4616% | 1,122 |
| Retained earnings to average equity (ytd only) | 13.4616% | 237 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7544% | 2,009 |
| Assets per employee ($millions) | 4.5581% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 4,570 |
| Loan loss allowance to noncurrent loans | 3,225.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 1,241 |
| Noncurrent loans to loans | 0.0230% | 4,576 |
| Net loans and leases to total assets | 84.2613% | 325 |
| Net loans and leases to deposits | 102.1288% | 502 |
| Net loans and leases to core deposits | 113.2233% | 786 |
| Total domestic deposits to total assets | 82.5049% | 3,313 |
| Equity capital to assets | 9.3533% | 4,560 |
| Core capital (leverage) ratio | 9.3741% | 4,298 |
| Tier 1 risk-based capital ratio | 12.0258% | 4,407 |
| Total risk-based capital ratio | 12.8344% | 4,529 |
| Memoranda: | ||
| Average total assets | $81,928,000 | 4,313 |
| Average earning assets | $75,475,000 | 4,316 |
| Average equity | $7,487,750 | 4,627 |
| Average total loans | $68,709,750 | 3,839 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1342% | 1,140 |
| Cost of funding earning assets | 1.1345% | 1,183 |
| Net interest margin | 3.9998% | 1,922 |
| Noninterest income to average assets | 0.4640% | 2,886 |
| Noninterest expense to average assets | 2.9870% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1626% | 2,284 |
| Return on assets (ROA) | 1.1626% | 2,359 |
| Pretax return on assets | 1.1626% | 3,031 |
| Return on Equity (ROE) | 12.8204% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.8204% | 318 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9835% | 1,924 |
| Assets per employee ($millions) | 4.6112% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 4,599 |
| Loan loss allowance to noncurrent loans | 172.0000% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 1.3879% | 869 |
| Noncurrent loans to loans | 0.4365% | 2,968 |
| Net loans and leases to total assets | 82.1787% | 580 |
| Net loans and leases to deposits | 97.4596% | 895 |
| Net loans and leases to core deposits | 108.2080% | 1,083 |
| Total domestic deposits to total assets | 84.3209% | 2,752 |
| Equity capital to assets | 9.0950% | 4,744 |
| Core capital (leverage) ratio | 9.1617% | 4,500 |
| Tier 1 risk-based capital ratio | 11.9258% | 4,464 |
| Total risk-based capital ratio | 12.7409% | 4,586 |
| Memoranda: | ||
| Average total assets | $81,888,670 | 4,349 |
| Average earning assets | $75,454,330 | 4,342 |
| Average equity | $7,425,670 | 4,663 |
| Average total loans | $68,396,670 | 3,870 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 1,336 |
| Cost of funding earning assets | 1.0793% | 1,260 |
| Net interest margin | 3.9216% | 2,124 |
| Noninterest income to average assets | 0.4426% | 2,893 |
| Noninterest expense to average assets | 2.8968% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1558% | 2,238 |
| Return on assets (ROA) | 1.1558% | 2,295 |
| Pretax return on assets | 1.1558% | 2,959 |
| Return on Equity (ROE) | 12.7648% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.7648% | 494 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4806% | 2,118 |
| Assets per employee ($millions) | 4.5793% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 4,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 1,357 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 82.0120% | 587 |
| Net loans and leases to deposits | 97.0957% | 880 |
| Net loans and leases to core deposits | 107.8597% | 1,061 |
| Total domestic deposits to total assets | 84.4650% | 2,861 |
| Equity capital to assets | 9.0444% | 4,647 |
| Core capital (leverage) ratio | 9.3817% | 4,283 |
| Tier 1 risk-based capital ratio | 11.8593% | 4,535 |
| Total risk-based capital ratio | 12.6802% | 4,682 |
| Memoranda: | ||
| Average total assets | $81,332,000 | 4,400 |
| Average earning assets | $74,866,500 | 4,394 |
| Average equity | $7,364,000 | 4,705 |
| Average total loans | $68,232,000 | 3,908 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 919 |
| Cost of funding earning assets | 0.8654% | 1,242 |
| Net interest margin | 4.1994% | 1,391 |
| Noninterest income to average assets | 0.5538% | 2,528 |
| Noninterest expense to average assets | 3.0307% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3558% | 1,594 |
| Return on assets (ROA) | 1.3558% | 1,583 |
| Pretax return on assets | 1.3558% | 2,294 |
| Return on Equity (ROE) | 14.7958% | 874 |
| Retained earnings to average equity (ytd only) | 14.7958% | 127 |
| Net charge-offs to loans | -0.0047% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0920% | 2,369 |
| Assets per employee ($millions) | 5.0148% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0419% | 1,309 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.5396% | 363 |
| Net loans and leases to deposits | 100.1846% | 729 |
| Net loans and leases to core deposits | 109.3588% | 1,039 |
| Total domestic deposits to total assets | 84.3838% | 2,875 |
| Equity capital to assets | 9.0644% | 4,526 |
| Core capital (leverage) ratio | 9.3985% | 4,239 |
| Tier 1 risk-based capital ratio | 11.5157% | 4,719 |
| Total risk-based capital ratio | 12.3326% | 4,827 |
| Memoranda: | ||
| Average total assets | $74,570,000 | 4,520 |
| Average earning assets | $68,058,000 | 4,526 |
| Average equity | $6,833,000 | 4,772 |
| Average total loans | $63,171,400 | 4,019 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 823 |
| Cost of funding earning assets | 0.8084% | 1,297 |
| Net interest margin | 4.2502% | 1,232 |
| Noninterest income to average assets | 0.5450% | 2,589 |
| Noninterest expense to average assets | 3.0401% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3761% | 1,572 |
| Return on assets (ROA) | 1.3761% | 1,574 |
| Pretax return on assets | 1.3761% | 2,317 |
| Return on Equity (ROE) | 14.9731% | 883 |
| Retained earnings to average equity (ytd only) | 14.9731% | 177 |
| Net charge-offs to loans | -0.0065% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8403% | 2,381 |
| Assets per employee ($millions) | 4.4740% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 4,679 |
| Loan loss allowance to noncurrent loans | 2,064.0000% | 315 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 1,258 |
| Noncurrent loans to loans | 0.0380% | 4,725 |
| Net loans and leases to total assets | 85.8516% | 275 |
| Net loans and leases to deposits | 102.4508% | 620 |
| Net loans and leases to core deposits | 108.1112% | 1,163 |
| Total domestic deposits to total assets | 83.7979% | 3,013 |
| Equity capital to assets | 9.2876% | 4,293 |
| Core capital (leverage) ratio | 9.5196% | 4,151 |
| Tier 1 risk-based capital ratio | 10.4860% | 5,244 |
| Total risk-based capital ratio | 11.2520% | 5,331 |
| Memoranda: | ||
| Average total assets | $73,153,250 | 4,586 |
| Average earning assets | $66,630,000 | 4,597 |
| Average equity | $6,723,000 | 4,838 |
| Average total loans | $61,877,250 | 4,085 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 883 |
| Cost of funding earning assets | 0.7310% | 1,463 |
| Net interest margin | 4.2336% | 1,204 |
| Noninterest income to average assets | 0.4987% | 2,874 |
| Noninterest expense to average assets | 3.1447% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2052% | 2,174 |
| Return on assets (ROA) | 1.2052% | 2,175 |
| Pretax return on assets | 1.2052% | 2,921 |
| Return on Equity (ROE) | 13.1632% | 1,315 |
| Retained earnings to average equity (ytd only) | 13.1632% | 358 |
| Net charge-offs to loans | -0.0099% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2930% | 1,951 |
| Assets per employee ($millions) | 4.0897% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 4,637 |
| Loan loss allowance to noncurrent loans | 2,064.0000% | 327 |
| Noncurrent assets plus other real estate owned to assets | 1.1696% | 1,238 |
| Noncurrent loans to loans | 0.0398% | 4,735 |
| Net loans and leases to total assets | 84.7339% | 379 |
| Net loans and leases to deposits | 101.5515% | 694 |
| Net loans and leases to core deposits | 107.3782% | 1,158 |
| Total domestic deposits to total assets | 83.4393% | 3,272 |
| Equity capital to assets | 9.2347% | 4,349 |
| Core capital (leverage) ratio | 9.4809% | 4,135 |
| Tier 1 risk-based capital ratio | 10.9389% | 5,086 |
| Total risk-based capital ratio | 11.7692% | 5,161 |
| Memoranda: | ||
| Average total assets | $72,185,000 | 4,650 |
| Average earning assets | $65,665,000 | 4,666 |
| Average equity | $6,609,330 | 4,907 |
| Average total loans | $60,565,330 | 4,153 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8548% | 965 |
| Cost of funding earning assets | 0.7023% | 1,426 |
| Net interest margin | 4.1525% | 1,291 |
| Noninterest income to average assets | 0.4925% | 2,850 |
| Noninterest expense to average assets | 3.1398% | 1,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1249% | 2,312 |
| Return on assets (ROA) | 1.1249% | 2,329 |
| Pretax return on assets | 1.1249% | 3,069 |
| Return on Equity (ROE) | 12.3408% | 1,458 |
| Retained earnings to average equity (ytd only) | 12.3408% | 619 |
| Net charge-offs to loans | -0.0135% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6220% | 1,945 |
| Assets per employee ($millions) | 4.0716% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 1,349 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.0871% | 655 |
| Net loans and leases to deposits | 97.8466% | 873 |
| Net loans and leases to core deposits | 108.2852% | 1,105 |
| Total domestic deposits to total assets | 83.8937% | 3,372 |
| Equity capital to assets | 8.9987% | 4,557 |
| Core capital (leverage) ratio | 9.4278% | 4,148 |
| Tier 1 risk-based capital ratio | 11.4787% | 4,870 |
| Total risk-based capital ratio | 12.3749% | 4,970 |
| Memoranda: | ||
| Average total assets | $71,470,500 | 4,715 |
| Average earning assets | $64,925,500 | 4,732 |
| Average equity | $6,515,000 | 4,977 |
| Average total loans | $59,402,000 | 4,210 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 672 |
| Cost of funding earning assets | 0.6194% | 1,476 |
| Net interest margin | 4.3607% | 841 |
| Noninterest income to average assets | 0.6731% | 2,078 |
| Noninterest expense to average assets | 3.4232% | 1,166 |
| Loan and lease loss provision to assets | -0.0756% | 5,443 |
| Net operating income to assets | 1.2555% | 1,343 |
| Return on assets (ROA) | 1.2555% | 1,369 |
| Pretax return on assets | 1.2555% | 2,526 |
| Return on Equity (ROE) | 13.4217% | 863 |
| Retained earnings to average equity (ytd only) | 13.4217% | 121 |
| Net charge-offs to loans | -0.0110% | 4,807 |
| Credit loss provision to net charge-offs | 833.3333% | 416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3674% | 1,847 |
| Assets per employee ($millions) | 3.8696% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 1,234 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 82.7172% | 595 |
| Net loans and leases to deposits | 99.1908% | 797 |
| Net loans and leases to core deposits | 103.3601% | 1,457 |
| Total domestic deposits to total assets | 83.3920% | 3,427 |
| Equity capital to assets | 9.2387% | 4,491 |
| Core capital (leverage) ratio | 9.4176% | 4,141 |
| Tier 1 risk-based capital ratio | 11.5882% | 4,799 |
| Total risk-based capital ratio | 12.5135% | 4,880 |
| Memoranda: | ||
| Average total assets | $66,108,000 | 4,844 |
| Average earning assets | $59,578,200 | 4,868 |
| Average equity | $6,184,000 | 5,070 |
| Average total loans | $54,739,400 | 4,338 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 681 |
| Cost of funding earning assets | 0.6084% | 1,475 |
| Net interest margin | 4.3380% | 843 |
| Noninterest income to average assets | 0.7584% | 1,738 |
| Noninterest expense to average assets | 3.4303% | 1,104 |
| Loan and lease loss provision to assets | -0.1022% | 5,588 |
| Net operating income to assets | 1.3369% | 1,229 |
| Return on assets (ROA) | 1.3369% | 1,255 |
| Pretax return on assets | 1.3369% | 2,338 |
| Return on Equity (ROE) | 14.2451% | 780 |
| Retained earnings to average equity (ytd only) | 14.2451% | 144 |
| Net charge-offs to loans | -0.0124% | 4,692 |
| Credit loss provision to net charge-offs | 1,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5320% | 1,969 |
| Assets per employee ($millions) | 3.6958% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 4,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 1,252 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 85.2086% | 319 |
| Net loans and leases to deposits | 103.0824% | 545 |
| Net loans and leases to core deposits | 104.5984% | 1,352 |
| Total domestic deposits to total assets | 82.6607% | 3,564 |
| Equity capital to assets | 9.4701% | 4,471 |
| Core capital (leverage) ratio | 9.5757% | 4,060 |
| Tier 1 risk-based capital ratio | 11.5691% | 4,913 |
| Total risk-based capital ratio | 12.5110% | 4,998 |
| Memoranda: | ||
| Average total assets | $65,221,750 | 4,914 |
| Average earning assets | $58,734,750 | 4,939 |
| Average equity | $6,121,250 | 5,143 |
| Average total loans | $53,892,000 | 4,405 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 652 |
| Cost of funding earning assets | 0.5907% | 1,507 |
| Net interest margin | 4.3379% | 784 |
| Noninterest income to average assets | 0.8088% | 1,543 |
| Noninterest expense to average assets | 3.4667% | 1,058 |
| Loan and lease loss provision to assets | -0.1544% | 5,689 |
| Net operating income to assets | 1.3953% | 1,083 |
| Return on assets (ROA) | 1.3953% | 1,105 |
| Pretax return on assets | 1.3953% | 2,041 |
| Return on Equity (ROE) | 14.9134% | 676 |
| Retained earnings to average equity (ytd only) | 4.8501% | 2,811 |
| Net charge-offs to loans | -0.0152% | 4,673 |
| Credit loss provision to net charge-offs | 1,250.0000% | 322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6393% | 2,078 |
| Assets per employee ($millions) | 3.6449% | 4,516 |
| Cash dividends to net income (ytd only)* | 67.4779% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 4,425 |
| Loan loss allowance to noncurrent loans | 3,011.7647% | 224 |
| Noncurrent assets plus other real estate owned to assets | 1.3276% | 1,226 |
| Noncurrent loans to loans | 0.0315% | 5,032 |
| Net loans and leases to total assets | 81.4538% | 753 |
| Net loans and leases to deposits | 98.6961% | 829 |
| Net loans and leases to core deposits | 100.1631% | 1,639 |
| Total domestic deposits to total assets | 82.5298% | 3,715 |
| Equity capital to assets | 9.3539% | 4,563 |
| Core capital (leverage) ratio | 9.7750% | 3,807 |
| Tier 1 risk-based capital ratio | 12.0207% | 4,620 |
| Total risk-based capital ratio | 13.0234% | 4,674 |
| Memoranda: | ||
| Average total assets | $64,787,330 | 4,959 |
| Average earning assets | $58,231,330 | 4,993 |
| Average equity | $6,061,670 | 5,182 |
| Average total loans | $52,790,000 | 4,451 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 690 |
| Cost of funding earning assets | 0.5799% | 1,514 |
| Net interest margin | 4.2665% | 856 |
| Noninterest income to average assets | 0.6276% | 2,281 |
| Noninterest expense to average assets | 3.4112% | 1,178 |
| Loan and lease loss provision to assets | -0.3107% | 5,820 |
| Net operating income to assets | 1.3670% | 1,068 |
| Return on assets (ROA) | 1.3670% | 1,104 |
| Pretax return on assets | 1.3670% | 1,998 |
| Return on Equity (ROE) | 14.6082% | 700 |
| Retained earnings to average equity (ytd only) | 4.3825% | 3,235 |
| Net charge-offs to loans | -0.0153% | 4,601 |
| Credit loss provision to net charge-offs | 2,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3561% | 1,858 |
| Assets per employee ($millions) | 3.5127% | 4,777 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 4,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 1,246 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 81.4073% | 637 |
| Net loans and leases to deposits | 99.0952% | 679 |
| Net loans and leases to core deposits | 100.6315% | 1,464 |
| Total domestic deposits to total assets | 82.1506% | 4,129 |
| Equity capital to assets | 9.5795% | 4,203 |
| Core capital (leverage) ratio | 9.6849% | 3,888 |
| Tier 1 risk-based capital ratio | 12.3348% | 4,486 |
| Total risk-based capital ratio | 13.3732% | 4,535 |
| Memoranda: | ||
| Average total assets | $64,376,500 | 5,025 |
| Average earning assets | $57,940,000 | 5,049 |
| Average equity | $6,024,000 | 5,235 |
| Average total loans | $52,208,500 | 4,502 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 625 |
| Cost of funding earning assets | 0.5973% | 1,354 |
| Net interest margin | 4.3770% | 811 |
| Noninterest income to average assets | 1.1362% | 880 |
| Noninterest expense to average assets | 3.6069% | 1,006 |
| Loan and lease loss provision to assets | 0.0322% | 3,706 |
| Net operating income to assets | 1.3828% | 1,042 |
| Return on assets (ROA) | 1.3828% | 1,084 |
| Pretax return on assets | 1.3828% | 2,004 |
| Return on Equity (ROE) | 15.5643% | 551 |
| Retained earnings to average equity (ytd only) | 15.5643% | 93 |
| Net charge-offs to loans | -0.0259% | 5,195 |
| Credit loss provision to net charge-offs | -153.8462% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8228% | 2,615 |
| Assets per employee ($millions) | 3.6402% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 1,359 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.1710% | 1,011 |
| Net loans and leases to deposits | 95.2727% | 1,071 |
| Net loans and leases to core deposits | 97.6012% | 1,791 |
| Total domestic deposits to total assets | 83.0993% | 3,736 |
| Equity capital to assets | 9.1432% | 4,655 |
| Core capital (leverage) ratio | 9.3374% | 4,306 |
| Tier 1 risk-based capital ratio | 12.3414% | 4,481 |
| Total risk-based capital ratio | 13.4909% | 4,422 |
| Memoranda: | ||
| Average total assets | $62,048,400 | 5,088 |
| Average earning assets | $55,082,800 | 5,143 |
| Average equity | $5,512,600 | 5,366 |
| Average total loans | $50,127,000 | 4,570 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 612 |
| Cost of funding earning assets | 0.5964% | 1,357 |
| Net interest margin | 4.3964% | 787 |
| Noninterest income to average assets | 0.8063% | 1,739 |
| Noninterest expense to average assets | 3.6939% | 856 |
| Loan and lease loss provision to assets | -0.0654% | 5,747 |
| Net operating income to assets | 1.0657% | 2,141 |
| Return on assets (ROA) | 1.0657% | 2,247 |
| Pretax return on assets | 1.0657% | 3,371 |
| Return on Equity (ROE) | 12.0894% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.0894% | 293 |
| Net charge-offs to loans | -0.0296% | 5,162 |
| Credit loss provision to net charge-offs | 272.7273% | 1,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6908% | 1,597 |
| Assets per employee ($millions) | 3.7212% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 4,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7506% | 466 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.6178% | 1,261 |
| Net loans and leases to deposits | 93.5489% | 1,311 |
| Net loans and leases to core deposits | 95.0299% | 2,100 |
| Total domestic deposits to total assets | 82.9703% | 3,612 |
| Equity capital to assets | 8.9472% | 5,218 |
| Core capital (leverage) ratio | 9.1212% | 4,693 |
| Tier 1 risk-based capital ratio | 11.5922% | 5,036 |
| Total risk-based capital ratio | 12.6285% | 5,067 |
| Memoranda: | ||
| Average total assets | $61,179,500 | 5,160 |
| Average earning assets | $54,103,250 | 5,213 |
| Average equity | $5,393,000 | 5,446 |
| Average total loans | $49,550,250 | 4,629 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 713 |
| Cost of funding earning assets | 0.5804% | 1,470 |
| Net interest margin | 4.3249% | 876 |
| Noninterest income to average assets | 0.8895% | 1,405 |
| Noninterest expense to average assets | 3.7496% | 818 |
| Loan and lease loss provision to assets | -0.0992% | 5,874 |
| Net operating income to assets | 1.0581% | 2,139 |
| Return on assets (ROA) | 1.0581% | 2,262 |
| Pretax return on assets | 1.0581% | 3,371 |
| Return on Equity (ROE) | 12.0664% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.0664% | 315 |
| Net charge-offs to loans | -0.0404% | 5,270 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6348% | 1,540 |
| Assets per employee ($millions) | 3.5785% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 4,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8553% | 437 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 82.9421% | 522 |
| Net loans and leases to deposits | 100.3680% | 667 |
| Net loans and leases to core deposits | 102.0281% | 1,470 |
| Total domestic deposits to total assets | 82.6380% | 3,778 |
| Equity capital to assets | 9.0295% | 5,216 |
| Core capital (leverage) ratio | 9.0599% | 4,761 |
| Tier 1 risk-based capital ratio | 11.0545% | 5,396 |
| Total risk-based capital ratio | 12.0712% | 5,435 |
| Memoranda: | ||
| Average total assets | $60,486,000 | 5,233 |
| Average earning assets | $53,411,670 | 5,282 |
| Average equity | $5,304,000 | 5,524 |
| Average total loans | $49,531,330 | 4,664 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 1,029 |
| Cost of funding earning assets | 0.5719% | 1,531 |
| Net interest margin | 4.1384% | 1,241 |
| Noninterest income to average assets | 0.4510% | 3,477 |
| Noninterest expense to average assets | 3.7936% | 783 |
| Loan and lease loss provision to assets | -0.1990% | 6,025 |
| Net operating income to assets | 0.5040% | 4,618 |
| Return on assets (ROA) | 0.5040% | 4,712 |
| Pretax return on assets | 0.5040% | 5,079 |
| Return on Equity (ROE) | 5.8355% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.8355% | 2,450 |
| Net charge-offs to loans | -0.0164% | 4,768 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5566% | 516 |
| Assets per employee ($millions) | 3.5166% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 4,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9038% | 444 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 82.4348% | 514 |
| Net loans and leases to deposits | 99.7208% | 640 |
| Net loans and leases to core deposits | 101.3991% | 1,377 |
| Total domestic deposits to total assets | 82.6656% | 4,015 |
| Equity capital to assets | 8.7767% | 5,360 |
| Core capital (leverage) ratio | 8.8844% | 4,979 |
| Tier 1 risk-based capital ratio | 10.7504% | 5,640 |
| Total risk-based capital ratio | 11.7683% | 5,655 |
| Memoranda: | ||
| Average total assets | $60,312,000 | 5,283 |
| Average earning assets | $53,160,500 | 5,337 |
| Average equity | $5,209,500 | 5,582 |
| Average total loans | $48,816,000 | 4,713 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 852 |
| Cost of funding earning assets | 0.5681% | 1,607 |
| Net interest margin | 4.2792% | 999 |
| Noninterest income to average assets | -0.0632% | 6,132 |
| Noninterest expense to average assets | 3.8024% | 858 |
| Loan and lease loss provision to assets | -0.4988% | 6,123 |
| Net operating income to assets | 0.3275% | 5,279 |
| Return on assets (ROA) | 0.3275% | 5,364 |
| Pretax return on assets | 0.3275% | 5,463 |
| Return on Equity (ROE) | 4.2473% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.2473% | 2,966 |
| Net charge-offs to loans | 0.0086% | 4,156 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,748 |
| Earnings coverage of net charge-offs (x) | -25.7500% | 4,444 |
| Efficiency ratio | 104.7161% | 201 |
| Assets per employee ($millions) | 3.3801% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 4,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8402% | 487 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.7896% | 1,150 |
| Net loans and leases to deposits | 93.5317% | 1,245 |
| Net loans and leases to core deposits | 95.0686% | 1,934 |
| Total domestic deposits to total assets | 83.1692% | 3,787 |
| Equity capital to assets | 8.5008% | 5,563 |
| Core capital (leverage) ratio | 8.9235% | 4,974 |
| Tier 1 risk-based capital ratio | 10.9122% | 5,561 |
| Total risk-based capital ratio | 12.0194% | 5,555 |
| Memoranda: | ||
| Average total assets | $60,147,000 | 5,315 |
| Average earning assets | $51,925,200 | 5,395 |
| Average equity | $4,638,200 | 5,733 |
| Average total loans | $46,519,400 | 4,775 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 787 |
| Cost of funding earning assets | 0.5718% | 1,612 |
| Net interest margin | 4.3153% | 934 |
| Noninterest income to average assets | -2.5922% | 6,268 |
| Noninterest expense to average assets | 3.8438% | 798 |
| Loan and lease loss provision to assets | -0.6669% | 6,238 |
| Net operating income to assets | -2.0609% | 6,230 |
| Return on assets (ROA) | -2.0609% | 6,231 |
| Pretax return on assets | -2.0609% | 6,228 |
| Return on Equity (ROE) | -27.4370% | 6,239 |
| Retained earnings to average equity (ytd only) | -27.4370% | 6,228 |
| Net charge-offs to loans | -0.0173% | 5,152 |
| Credit loss provision to net charge-offs | 5,000.0000% | 79 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 344.4223% | 7 |
| Assets per employee ($millions) | 3.5764% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 4,054 |
| Loan loss allowance to noncurrent loans | 713.3333% | 760 |
| Noncurrent assets plus other real estate owned to assets | 2.9848% | 509 |
| Noncurrent loans to loans | 0.1585% | 5,012 |
| Net loans and leases to total assets | 81.7713% | 603 |
| Net loans and leases to deposits | 97.4326% | 871 |
| Net loans and leases to core deposits | 98.0820% | 1,693 |
| Total domestic deposits to total assets | 83.9260% | 3,459 |
| Equity capital to assets | 7.0793% | 6,142 |
| Core capital (leverage) ratio | 7.0448% | 6,123 |
| Tier 1 risk-based capital ratio | 8.5527% | 6,209 |
| Total risk-based capital ratio | 9.6823% | 6,213 |
| Memoranda: | ||
| Average total assets | $59,973,500 | 5,389 |
| Average earning assets | $51,536,500 | 5,473 |
| Average equity | $4,504,750 | 5,834 |
| Average total loans | $46,186,000 | 4,838 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 949 |
| Cost of funding earning assets | 0.5693% | 1,651 |
| Net interest margin | 4.2004% | 1,108 |
| Noninterest income to average assets | -4.1123% | 6,346 |
| Noninterest expense to average assets | 3.8233% | 844 |
| Loan and lease loss provision to assets | -0.9854% | 6,325 |
| Net operating income to assets | -3.3634% | 6,329 |
| Return on assets (ROA) | -3.3634% | 6,330 |
| Pretax return on assets | -3.3634% | 6,329 |
| Return on Equity (ROE) | -43.9863% | 6,327 |
| Retained earnings to average equity (ytd only) | -43.9863% | 6,318 |
| Net charge-offs to loans | -0.0131% | 5,017 |
| Credit loss provision to net charge-offs | 10,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -727.5000% | 6,347 |
| Assets per employee ($millions) | 3.4877% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 4,193 |
| Loan loss allowance to noncurrent loans | 1,237.2093% | 464 |
| Noncurrent assets plus other real estate owned to assets | 2.6901% | 669 |
| Noncurrent loans to loans | 0.0910% | 5,379 |
| Net loans and leases to total assets | 78.7708% | 966 |
| Net loans and leases to deposits | 94.4431% | 1,112 |
| Net loans and leases to core deposits | 95.0447% | 1,873 |
| Total domestic deposits to total assets | 83.4056% | 3,790 |
| Equity capital to assets | 6.6739% | 6,232 |
| Core capital (leverage) ratio | 6.6169% | 6,230 |
| Tier 1 risk-based capital ratio | 8.1547% | 6,287 |
| Total risk-based capital ratio | 9.2511% | 6,288 |
| Memoranda: | ||
| Average total assets | $60,890,330 | 5,422 |
| Average earning assets | $51,995,330 | 5,518 |
| Average equity | $4,656,000 | 5,867 |
| Average total loans | $45,805,670 | 4,895 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 971 |
| Cost of funding earning assets | 0.5662% | 1,692 |
| Net interest margin | 4.1703% | 1,130 |
| Noninterest income to average assets | 0.4669% | 3,521 |
| Noninterest expense to average assets | 4.0201% | 673 |
| Loan and lease loss provision to assets | -0.3242% | 6,315 |
| Net operating income to assets | 0.3047% | 5,395 |
| Return on assets (ROA) | 0.3047% | 5,500 |
| Pretax return on assets | 0.3047% | 5,642 |
| Return on Equity (ROE) | 3.7559% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.7559% | 3,751 |
| Net charge-offs to loans | -0.0177% | 4,988 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4862% | 356 |
| Assets per employee ($millions) | 3.4284% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 1,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.8368% | 182 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.0053% | 1,654 |
| Net loans and leases to deposits | 87.3628% | 1,685 |
| Net loans and leases to core deposits | 87.8963% | 2,342 |
| Total domestic deposits to total assets | 83.5656% | 3,989 |
| Equity capital to assets | 8.1491% | 5,967 |
| Core capital (leverage) ratio | 8.2785% | 5,756 |
| Tier 1 risk-based capital ratio | 10.2085% | 6,111 |
| Total risk-based capital ratio | 11.4625% | 6,052 |
| Memoranda: | ||
| Average total assets | $61,690,000 | 5,459 |
| Average earning assets | $52,274,000 | 5,552 |
| Average equity | $5,005,500 | 5,834 |
| Average total loans | $45,090,500 | 4,948 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 1,629 |
| Cost of funding earning assets | 0.6561% | 1,370 |
| Net interest margin | 3.9169% | 2,168 |
| Noninterest income to average assets | 0.3920% | 4,251 |
| Noninterest expense to average assets | 4.1931% | 607 |
| Loan and lease loss provision to assets | -0.4150% | 6,422 |
| Net operating income to assets | -0.1219% | 6,169 |
| Return on assets (ROA) | -0.1219% | 6,171 |
| Pretax return on assets | -0.1219% | 6,149 |
| Return on Equity (ROE) | -1.6410% | 6,193 |
| Retained earnings to average equity (ytd only) | -1.6410% | 5,977 |
| Net charge-offs to loans | -0.0333% | 5,821 |
| Credit loss provision to net charge-offs | 1,938.4615% | 159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6847% | 166 |
| Assets per employee ($millions) | 3.4260% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 1,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.7085% | 164 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.5714% | 2,147 |
| Net loans and leases to deposits | 84.3525% | 2,171 |
| Net loans and leases to core deposits | 84.8674% | 2,796 |
| Total domestic deposits to total assets | 83.6625% | 3,859 |
| Equity capital to assets | 8.0787% | 6,026 |
| Core capital (leverage) ratio | 8.0702% | 5,951 |
| Tier 1 risk-based capital ratio | 10.2593% | 6,190 |
| Total risk-based capital ratio | 11.5147% | 6,136 |
| Memoranda: | ||
| Average total assets | $60,718,800 | 5,533 |
| Average earning assets | $50,601,400 | 5,657 |
| Average equity | $4,509,400 | 5,985 |
| Average total loans | $39,063,800 | 5,218 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 1,820 |
| Cost of funding earning assets | 0.6608% | 1,386 |
| Net interest margin | 3.8531% | 2,424 |
| Noninterest income to average assets | 0.5401% | 3,260 |
| Noninterest expense to average assets | 4.2414% | 589 |
| Loan and lease loss provision to assets | -0.2800% | 6,446 |
| Net operating income to assets | -0.2204% | 6,274 |
| Return on assets (ROA) | -0.2204% | 6,277 |
| Pretax return on assets | -0.2204% | 6,261 |
| Return on Equity (ROE) | -3.0363% | 6,316 |
| Retained earnings to average equity (ytd only) | -3.0363% | 6,147 |
| Net charge-offs to loans | -0.0283% | 5,715 |
| Credit loss provision to net charge-offs | 1,587.5000% | 231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.3765% | 188 |
| Assets per employee ($millions) | 3.6441% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.8040% | 177 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 65.2973% | 2,981 |
| Net loans and leases to deposits | 77.9598% | 2,958 |
| Net loans and leases to core deposits | 78.4329% | 3,494 |
| Total domestic deposits to total assets | 83.7576% | 3,854 |
| Equity capital to assets | 7.9985% | 6,136 |
| Core capital (leverage) ratio | 8.1914% | 5,943 |
| Tier 1 risk-based capital ratio | 10.8350% | 6,074 |
| Total risk-based capital ratio | 12.0961% | 6,017 |
| Memoranda: | ||
| Average total assets | $60,481,500 | 5,596 |
| Average earning assets | $50,243,500 | 5,729 |
| Average equity | $4,391,250 | 6,072 |
| Average total loans | $37,742,750 | 5,310 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 1,806 |
| Cost of funding earning assets | 0.6604% | 1,431 |
| Net interest margin | 3.8457% | 2,397 |
| Noninterest income to average assets | 0.7968% | 1,852 |
| Noninterest expense to average assets | 4.4006% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4201% | 6,421 |
| Return on assets (ROA) | -0.4201% | 6,419 |
| Pretax return on assets | -0.4201% | 6,398 |
| Return on Equity (ROE) | -5.9952% | 6,456 |
| Retained earnings to average equity (ytd only) | -5.9952% | 6,293 |
| Net charge-offs to loans | -0.0602% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5528% | 223 |
| Assets per employee ($millions) | 3.3591% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7727% | 483 |
| Loan loss allowance to noncurrent loans | 1,738.7097% | 319 |
| Noncurrent assets plus other real estate owned to assets | 7.2572% | 169 |
| Noncurrent loans to loans | 0.1595% | 5,533 |
| Net loans and leases to total assets | 62.5182% | 3,323 |
| Net loans and leases to deposits | 73.8027% | 3,345 |
| Net loans and leases to core deposits | 74.2565% | 3,812 |
| Total domestic deposits to total assets | 84.7099% | 3,635 |
| Equity capital to assets | 6.8504% | 6,461 |
| Core capital (leverage) ratio | 6.9816% | 6,434 |
| Tier 1 risk-based capital ratio | 9.5205% | 6,490 |
| Total risk-based capital ratio | 10.7849% | 6,474 |
| Memoranda: | ||
| Average total assets | $59,992,330 | 5,661 |
| Average earning assets | $49,665,330 | 5,797 |
| Average equity | $4,203,330 | 6,156 |
| Average total loans | $36,524,000 | 5,395 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 2,932 |
| Cost of funding earning assets | 0.6718% | 1,430 |
| Net interest margin | 3.5127% | 3,635 |
| Noninterest income to average assets | 1.1446% | 854 |
| Noninterest expense to average assets | 4.5920% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5422% | 6,486 |
| Return on assets (ROA) | -0.5422% | 6,482 |
| Pretax return on assets | -0.5422% | 6,466 |
| Return on Equity (ROE) | -7.6523% | 6,526 |
| Retained earnings to average equity (ytd only) | -7.6523% | 6,272 |
| Net charge-offs to loans | -0.0339% | 5,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.3884% | 233 |
| Assets per employee ($millions) | 3.2932% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9490% | 458 |
| Loan loss allowance to noncurrent loans | 1,783.3333% | 319 |
| Noncurrent assets plus other real estate owned to assets | 7.3619% | 196 |
| Noncurrent loans to loans | 0.1654% | 5,589 |
| Net loans and leases to total assets | 59.4032% | 3,650 |
| Net loans and leases to deposits | 70.5233% | 3,533 |
| Net loans and leases to core deposits | 70.5233% | 4,032 |
| Total domestic deposits to total assets | 84.2319% | 4,197 |
| Equity capital to assets | 7.0583% | 6,435 |
| Core capital (leverage) ratio | 7.0799% | 6,451 |
| Tier 1 risk-based capital ratio | 10.1736% | 6,430 |
| Total risk-based capital ratio | 11.4395% | 6,392 |
| Memoranda: | ||
| Average total assets | $59,756,500 | 5,719 |
| Average earning assets | $49,420,000 | 5,858 |
| Average equity | $4,234,000 | 6,197 |
| Average total loans | $35,346,500 | 5,495 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 1,956 |
| Cost of funding earning assets | 0.7546% | 1,473 |
| Net interest margin | 3.8174% | 2,585 |
| Noninterest income to average assets | 1.2349% | 914 |
| Noninterest expense to average assets | 4.1087% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2626% | 5,647 |
| Return on assets (ROA) | 0.2626% | 5,726 |
| Pretax return on assets | 0.2626% | 5,820 |
| Return on Equity (ROE) | 3.7054% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.7054% | 3,581 |
| Net charge-offs to loans | 0.1364% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.0980% | 3,956 |
| Efficiency ratio | 93.9924% | 750 |
| Assets per employee ($millions) | 3.0118% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1008% | 418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.5770% | 214 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.3549% | 4,404 |
| Net loans and leases to deposits | 65.5713% | 4,346 |
| Net loans and leases to core deposits | 65.5713% | 4,731 |
| Total domestic deposits to total assets | 84.4194% | 4,004 |
| Equity capital to assets | 7.1121% | 6,431 |
| Core capital (leverage) ratio | 7.1143% | 6,500 |
| Tier 1 risk-based capital ratio | 10.7665% | 6,277 |
| Total risk-based capital ratio | 12.0302% | 6,221 |
| Memoranda: | ||
| Average total assets | $60,164,400 | 5,749 |
| Average earning assets | $49,431,800 | 5,907 |
| Average equity | $4,264,000 | 6,271 |
| Average total loans | $37,392,200 | 5,448 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 2,070 |
| Cost of funding earning assets | 0.7717% | 1,475 |
| Net interest margin | 3.7696% | 2,754 |
| Noninterest income to average assets | 1.4365% | 715 |
| Noninterest expense to average assets | 4.0478% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4855% | 4,863 |
| Return on assets (ROA) | 0.4855% | 5,019 |
| Pretax return on assets | 0.4855% | 5,396 |
| Return on Equity (ROE) | 6.8558% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.8558% | 1,943 |
| Net charge-offs to loans | -0.0210% | 6,051 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2910% | 1,053 |
| Assets per employee ($millions) | 3.4598% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1533% | 472 |
| Loan loss allowance to noncurrent loans | 244.3478% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 8.6711% | 191 |
| Noncurrent loans to loans | 1.2905% | 3,249 |
| Net loans and leases to total assets | 58.6932% | 3,892 |
| Net loans and leases to deposits | 70.5763% | 3,704 |
| Net loans and leases to core deposits | 71.0309% | 4,207 |
| Total domestic deposits to total assets | 83.1627% | 4,518 |
| Equity capital to assets | 7.3568% | 6,440 |
| Core capital (leverage) ratio | 7.4019% | 6,482 |
| Tier 1 risk-based capital ratio | 10.6278% | 6,417 |
| Total risk-based capital ratio | 11.8973% | 6,378 |
| Memoranda: | ||
| Average total assets | $60,146,750 | 5,814 |
| Average earning assets | $49,411,500 | 5,973 |
| Average equity | $4,259,000 | 6,345 |
| Average total loans | $38,137,750 | 5,476 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,931 |
| Cost of funding earning assets | 0.7876% | 1,481 |
| Net interest margin | 3.7855% | 2,609 |
| Noninterest income to average assets | 2.1654% | 399 |
| Noninterest expense to average assets | 4.0568% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2180% | 1,543 |
| Return on assets (ROA) | 1.2180% | 1,646 |
| Pretax return on assets | 1.2180% | 2,593 |
| Return on Equity (ROE) | 17.4207% | 518 |
| Retained earnings to average equity (ytd only) | 17.4207% | 143 |
| Net charge-offs to loans | -0.0205% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9086% | 2,644 |
| Assets per employee ($millions) | 3.9141% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0336% | 565 |
| Loan loss allowance to noncurrent loans | 272.9927% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 8.7105% | 205 |
| Noncurrent loans to loans | 1.1112% | 3,706 |
| Net loans and leases to total assets | 61.0857% | 3,469 |
| Net loans and leases to deposits | 73.6382% | 3,210 |
| Net loans and leases to core deposits | 74.1084% | 3,798 |
| Total domestic deposits to total assets | 82.9538% | 4,713 |
| Equity capital to assets | 7.6272% | 6,399 |
| Core capital (leverage) ratio | 7.4226% | 6,487 |
| Tier 1 risk-based capital ratio | 10.6785% | 6,452 |
| Total risk-based capital ratio | 11.9468% | 6,420 |
| Memoranda: | ||
| Average total assets | $60,590,330 | 5,844 |
| Average earning assets | $49,768,670 | 6,001 |
| Average equity | $4,236,330 | 6,399 |
| Average total loans | $38,968,670 | 5,469 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,647 |
| Cost of funding earning assets | 0.7979% | 1,540 |
| Net interest margin | 3.8633% | 2,238 |
| Noninterest income to average assets | 0.9361% | 1,645 |
| Noninterest expense to average assets | 4.0696% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0455% | 6,263 |
| Return on assets (ROA) | 0.0455% | 6,347 |
| Pretax return on assets | 0.0455% | 6,345 |
| Return on Equity (ROE) | 0.6804% | 6,286 |
| Retained earnings to average equity (ytd only) | 0.6804% | 5,553 |
| Net charge-offs to loans | -0.0100% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8942% | 591 |
| Assets per employee ($millions) | 3.7602% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8850% | 742 |
| Loan loss allowance to noncurrent loans | 137.8079% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 9.1834% | 234 |
| Noncurrent loans to loans | 2.0935% | 2,514 |
| Net loans and leases to total assets | 62.6099% | 2,951 |
| Net loans and leases to deposits | 74.7129% | 2,815 |
| Net loans and leases to core deposits | 75.3224% | 3,408 |
| Total domestic deposits to total assets | 83.8007% | 4,556 |
| Equity capital to assets | 6.8464% | 6,738 |
| Core capital (leverage) ratio | 6.7452% | 6,702 |
| Tier 1 risk-based capital ratio | 9.5392% | 6,757 |
| Total risk-based capital ratio | 10.8044% | 6,740 |
| Memoranda: | ||
| Average total assets | $61,530,000 | 5,875 |
| Average earning assets | $50,630,500 | 6,025 |
| Average equity | $4,115,500 | 6,488 |
| Average total loans | $39,960,000 | 5,462 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 2,329 |
| Cost of funding earning assets | 0.9250% | 1,787 |
| Net interest margin | 3.8434% | 3,050 |
| Noninterest income to average assets | 0.4839% | 4,011 |
| Noninterest expense to average assets | 4.0404% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.3080% | 6,449 |
| Return on assets (ROA) | -0.3080% | 6,502 |
| Pretax return on assets | -0.3049% | 6,480 |
| Return on Equity (ROE) | -4.7161% | 6,583 |
| Retained earnings to average equity (ytd only) | -4.7161% | 6,408 |
| Net charge-offs to loans | 0.4706% | 2,355 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.9333% | 5,748 |
| Efficiency ratio | 108.1633% | 362 |
| Assets per employee ($millions) | 3.4943% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7180% | 903 |
| Loan loss allowance to noncurrent loans | 136.6748% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 10.4282% | 200 |
| Noncurrent loans to loans | 1.9887% | 2,709 |
| Net loans and leases to total assets | 63.6199% | 2,963 |
| Net loans and leases to deposits | 75.1978% | 2,924 |
| Net loans and leases to core deposits | 75.7788% | 3,562 |
| Total domestic deposits to total assets | 84.6034% | 4,038 |
| Equity capital to assets | 6.5377% | 6,839 |
| Core capital (leverage) ratio | 6.4713% | 6,801 |
| Tier 1 risk-based capital ratio | 8.8314% | 6,867 |
| Total risk-based capital ratio | 10.0952% | 6,870 |
| Memoranda: | ||
| Average total assets | $64,276,000 | 5,806 |
| Average earning assets | $54,379,200 | 5,918 |
| Average equity | $4,198,400 | 6,522 |
| Average total loans | $44,624,000 | 5,301 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 2,496 |
| Cost of funding earning assets | 0.9472% | 1,868 |
| Net interest margin | 3.8250% | 3,228 |
| Noninterest income to average assets | 0.4766% | 4,088 |
| Noninterest expense to average assets | 4.0750% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3363% | 6,601 |
| Return on assets (ROA) | -0.3363% | 6,656 |
| Pretax return on assets | -0.3322% | 6,618 |
| Return on Equity (ROE) | -5.1500% | 6,718 |
| Retained earnings to average equity (ytd only) | -5.1500% | 6,623 |
| Net charge-offs to loans | 0.6477% | 1,692 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.7285% | 5,539 |
| Efficiency ratio | 108.8754% | 326 |
| Assets per employee ($millions) | 3.5521% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5017% | 1,207 |
| Loan loss allowance to noncurrent loans | 52.8149% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 8.9618% | 305 |
| Noncurrent loans to loans | 4.7367% | 982 |
| Net loans and leases to total assets | 67.4763% | 2,372 |
| Net loans and leases to deposits | 79.0686% | 2,524 |
| Net loans and leases to core deposits | 79.6643% | 3,248 |
| Total domestic deposits to total assets | 85.3389% | 3,598 |
| Equity capital to assets | 6.4860% | 6,941 |
| Core capital (leverage) ratio | 6.4487% | 6,895 |
| Tier 1 risk-based capital ratio | 8.7685% | 6,963 |
| Total risk-based capital ratio | 10.0318% | 6,964 |
| Memoranda: | ||
| Average total assets | $64,620,750 | 5,861 |
| Average earning assets | $55,179,000 | 5,958 |
| Average equity | $4,220,000 | 6,597 |
| Average total loans | $45,496,750 | 5,323 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 2,584 |
| Cost of funding earning assets | 0.9675% | 1,950 |
| Net interest margin | 3.8124% | 3,304 |
| Noninterest income to average assets | 0.5428% | 3,634 |
| Noninterest expense to average assets | 4.1636% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3578% | 6,654 |
| Return on assets (ROA) | -0.3578% | 6,704 |
| Pretax return on assets | -0.3516% | 6,674 |
| Return on Equity (ROE) | -5.4661% | 6,789 |
| Retained earnings to average equity (ytd only) | -5.4661% | 6,649 |
| Net charge-offs to loans | -0.4574% | 7,120 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2233% | 339 |
| Assets per employee ($millions) | 3.6496% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1220% | 696 |
| Loan loss allowance to noncurrent loans | 60.9528% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 9.7141% | 282 |
| Noncurrent loans to loans | 5.1220% | 942 |
| Net loans and leases to total assets | 71.6701% | 1,611 |
| Net loans and leases to deposits | 84.3536% | 1,809 |
| Net loans and leases to core deposits | 85.0051% | 2,561 |
| Total domestic deposits to total assets | 84.9639% | 3,882 |
| Equity capital to assets | 6.7581% | 6,947 |
| Core capital (leverage) ratio | 6.6114% | 6,904 |
| Tier 1 risk-based capital ratio | 8.6229% | 7,004 |
| Total risk-based capital ratio | 9.8945% | 7,006 |
| Memoranda: | ||
| Average total assets | $64,848,330 | 5,890 |
| Average earning assets | $55,608,330 | 5,979 |
| Average equity | $4,244,330 | 6,619 |
| Average total loans | $45,912,330 | 5,345 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 3,116 |
| Cost of funding earning assets | 0.9816% | 2,092 |
| Net interest margin | 3.7020% | 3,821 |
| Noninterest income to average assets | 0.5736% | 3,395 |
| Noninterest expense to average assets | 4.1962% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4347% | 6,790 |
| Return on assets (ROA) | -0.4347% | 6,823 |
| Pretax return on assets | -0.4347% | 6,798 |
| Return on Equity (ROE) | -6.7447% | 6,914 |
| Retained earnings to average equity (ytd only) | -6.7447% | 6,706 |
| Net charge-offs to loans | 0.1394% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -4.5000% | 4,660 |
| Efficiency ratio | 111.5570% | 316 |
| Assets per employee ($millions) | 3.5370% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8843% | 923 |
| Loan loss allowance to noncurrent loans | 61.6541% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 8.7975% | 408 |
| Noncurrent loans to loans | 4.6783% | 1,221 |
| Net loans and leases to total assets | 69.3855% | 1,867 |
| Net loans and leases to deposits | 82.2656% | 1,901 |
| Net loans and leases to core deposits | 83.0435% | 2,679 |
| Total domestic deposits to total assets | 84.3433% | 4,349 |
| Equity capital to assets | 6.6519% | 6,987 |
| Core capital (leverage) ratio | 6.4446% | 6,977 |
| Tier 1 risk-based capital ratio | 8.6987% | 7,062 |
| Total risk-based capital ratio | 9.9661% | 7,064 |
| Memoranda: | ||
| Average total assets | $66,250,500 | 5,876 |
| Average earning assets | $57,051,000 | 5,971 |
| Average equity | $4,270,000 | 6,641 |
| Average total loans | $45,918,500 | 5,380 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 3,874 |
| Cost of funding earning assets | 1.3262% | 1,357 |
| Net interest margin | 3.4607% | 5,282 |
| Noninterest income to average assets | 0.4974% | 3,863 |
| Noninterest expense to average assets | 4.1931% | 815 |
| Loan and lease loss provision to assets | 0.3747% | 2,750 |
| Net operating income to assets | -1.0992% | 6,787 |
| Return on assets (ROA) | -1.0992% | 6,810 |
| Pretax return on assets | -1.0966% | 6,773 |
| Return on Equity (ROE) | -17.3508% | 6,940 |
| Retained earnings to average equity (ytd only) | -17.3508% | 6,922 |
| Net charge-offs to loans | 0.0475% | 5,830 |
| Credit loss provision to net charge-offs | 1,148.0000% | 187 |
| Earnings coverage of net charge-offs (x) | -22.1200% | 6,411 |
| Efficiency ratio | 120.7973% | 300 |
| Assets per employee ($millions) | 3.4418% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8652% | 918 |
| Loan loss allowance to noncurrent loans | 65.4832% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 8.0816% | 498 |
| Noncurrent loans to loans | 4.3754% | 1,379 |
| Net loans and leases to total assets | 65.4057% | 2,898 |
| Net loans and leases to deposits | 75.8521% | 3,197 |
| Net loans and leases to core deposits | 77.3733% | 3,764 |
| Total domestic deposits to total assets | 86.2279% | 3,180 |
| Equity capital to assets | 6.2541% | 7,066 |
| Core capital (leverage) ratio | 6.1944% | 7,034 |
| Tier 1 risk-based capital ratio | 8.6800% | 7,066 |
| Total risk-based capital ratio | 9.9477% | 7,064 |
| Memoranda: | ||
| Average total assets | $76,602,800 | 5,550 |
| Average earning assets | $65,825,400 | 5,671 |
| Average equity | $4,852,800 | 6,493 |
| Average total loans | $52,606,400 | 5,168 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 3,528 |
| Cost of funding earning assets | 1.3965% | 1,247 |
| Net interest margin | 3.5090% | 5,151 |
| Noninterest income to average assets | 0.8606% | 1,801 |
| Noninterest expense to average assets | 4.2607% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.3921% | 6,573 |
| Return on assets (ROA) | -0.3921% | 6,626 |
| Pretax return on assets | -0.3887% | 6,560 |
| Return on Equity (ROE) | -6.1725% | 6,729 |
| Retained earnings to average equity (ytd only) | -6.1725% | 6,656 |
| Net charge-offs to loans | 0.0665% | 5,296 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -8.4814% | 6,129 |
| Efficiency ratio | 110.0395% | 427 |
| Assets per employee ($millions) | 3.4440% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 1,955 |
| Loan loss allowance to noncurrent loans | 66.5173% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 9.9071% | 365 |
| Noncurrent loans to loans | 3.2385% | 2,140 |
| Net loans and leases to total assets | 68.5148% | 2,370 |
| Net loans and leases to deposits | 80.3668% | 2,605 |
| Net loans and leases to core deposits | 82.2794% | 3,283 |
| Total domestic deposits to total assets | 85.2526% | 3,646 |
| Equity capital to assets | 7.1312% | 7,026 |
| Core capital (leverage) ratio | 6.2967% | 7,099 |
| Tier 1 risk-based capital ratio | 9.1913% | 7,091 |
| Total risk-based capital ratio | 10.4490% | 7,089 |
| Memoranda: | ||
| Average total assets | $78,544,750 | 5,538 |
| Average earning assets | $67,405,000 | 5,672 |
| Average equity | $4,989,750 | 6,502 |
| Average total loans | $54,170,500 | 5,154 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8094% | 4,066 |
| Cost of funding earning assets | 1.4197% | 1,332 |
| Net interest margin | 3.3897% | 5,588 |
| Noninterest income to average assets | 0.5724% | 3,318 |
| Noninterest expense to average assets | 4.2511% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.7460% | 6,840 |
| Return on assets (ROA) | -0.7460% | 6,856 |
| Pretax return on assets | -0.7411% | 6,797 |
| Return on Equity (ROE) | -12.1619% | 6,989 |
| Retained earnings to average equity (ytd only) | -12.1619% | 6,942 |
| Net charge-offs to loans | 0.0285% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -37.8750% | 5,854 |
| Efficiency ratio | 121.1150% | 336 |
| Assets per employee ($millions) | 3.6534% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0583% | 2,214 |
| Loan loss allowance to noncurrent loans | 51.6098% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 9.8862% | 399 |
| Noncurrent loans to loans | 3.9882% | 1,738 |
| Net loans and leases to total assets | 62.6351% | 3,758 |
| Net loans and leases to deposits | 71.8211% | 4,142 |
| Net loans and leases to core deposits | 73.6806% | 4,618 |
| Total domestic deposits to total assets | 87.2100% | 2,617 |
| Equity capital to assets | 6.0143% | 7,239 |
| Core capital (leverage) ratio | 5.9534% | 7,203 |
| Tier 1 risk-based capital ratio | 8.3888% | 7,221 |
| Total risk-based capital ratio | 9.6427% | 7,225 |
| Memoranda: | ||
| Average total assets | $81,766,330 | 5,489 |
| Average earning assets | $70,861,330 | 5,600 |
| Average equity | $5,015,670 | 6,523 |
| Average total loans | $56,150,000 | 5,112 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 4,046 |
| Cost of funding earning assets | 1.4470% | 1,400 |
| Net interest margin | 3.3562% | 5,590 |
| Noninterest income to average assets | 0.6209% | 3,036 |
| Noninterest expense to average assets | 3.9388% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3687% | 6,727 |
| Return on assets (ROA) | -0.3687% | 6,732 |
| Pretax return on assets | -0.3590% | 6,659 |
| Return on Equity (ROE) | -5.9532% | 6,861 |
| Retained earnings to average equity (ytd only) | -5.9532% | 6,590 |
| Net charge-offs to loans | -0.0410% | 6,825 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0271% | 504 |
| Assets per employee ($millions) | 3.5350% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 2,764 |
| Loan loss allowance to noncurrent loans | 24.0791% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 9.8578% | 424 |
| Noncurrent loans to loans | 7.7974% | 657 |
| Net loans and leases to total assets | 68.9051% | 2,351 |
| Net loans and leases to deposits | 79.1009% | 2,871 |
| Net loans and leases to core deposits | 82.0672% | 3,444 |
| Total domestic deposits to total assets | 87.1104% | 2,886 |
| Equity capital to assets | 6.2320% | 7,259 |
| Core capital (leverage) ratio | 6.1482% | 7,223 |
| Tier 1 risk-based capital ratio | 8.3179% | 7,269 |
| Total risk-based capital ratio | 9.5723% | 7,275 |
| Memoranda: | ||
| Average total assets | $82,462,000 | 5,511 |
| Average earning assets | $72,702,000 | 5,582 |
| Average equity | $5,106,500 | 6,514 |
| Average total loans | $58,524,500 | 5,067 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3247% | 3,005 |
| Cost of funding earning assets | 1.7325% | 1,454 |
| Net interest margin | 3.5921% | 4,860 |
| Noninterest income to average assets | 0.2195% | 6,236 |
| Noninterest expense to average assets | 3.9133% | 1,299 |
| Loan and lease loss provision to assets | 2.0535% | 633 |
| Net operating income to assets | -2.5984% | 7,207 |
| Return on assets (ROA) | -2.2550% | 7,143 |
| Pretax return on assets | -2.2528% | 7,102 |
| Return on Equity (ROE) | -30.8002% | 7,240 |
| Retained earnings to average equity (ytd only) | -30.8002% | 7,228 |
| Net charge-offs to loans | 2.9804% | 557 |
| Credit loss provision to net charge-offs | 91.1544% | 5,077 |
| Earnings coverage of net charge-offs (x) | -0.2409% | 6,313 |
| Efficiency ratio | 116.0989% | 451 |
| Assets per employee ($millions) | 3.8008% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 2,932 |
| Loan loss allowance to noncurrent loans | 37.0010% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 8.1836% | 598 |
| Noncurrent loans to loans | 4.8054% | 1,434 |
| Net loans and leases to total assets | 70.4238% | 2,426 |
| Net loans and leases to deposits | 80.5557% | 3,067 |
| Net loans and leases to core deposits | 83.4602% | 3,674 |
| Total domestic deposits to total assets | 87.4226% | 2,601 |
| Equity capital to assets | 6.1542% | 7,321 |
| Core capital (leverage) ratio | 6.0385% | 7,295 |
| Tier 1 risk-based capital ratio | 8.0432% | 7,346 |
| Total risk-based capital ratio | 9.2961% | 7,352 |
| Memoranda: | ||
| Average total assets | $88,824,400 | 5,325 |
| Average earning assets | $77,920,200 | 5,408 |
| Average equity | $6,503,200 | 6,200 |
| Average total loans | $67,138,400 | 4,785 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 2,750 |
| Cost of funding earning assets | 1.7830% | 1,491 |
| Net interest margin | 3.6454% | 4,654 |
| Noninterest income to average assets | 0.0858% | 7,106 |
| Noninterest expense to average assets | 3.7310% | 1,508 |
| Loan and lease loss provision to assets | 1.9868% | 599 |
| Net operating income to assets | -2.4410% | 7,335 |
| Return on assets (ROA) | -1.9898% | 7,250 |
| Pretax return on assets | -1.9868% | 7,193 |
| Return on Equity (ROE) | -26.2081% | 7,332 |
| Retained earnings to average equity (ytd only) | -26.2081% | 7,325 |
| Net charge-offs to loans | 2.9921% | 516 |
| Credit loss provision to net charge-offs | 86.8132% | 4,892 |
| Earnings coverage of net charge-offs (x) | -0.1972% | 6,174 |
| Efficiency ratio | 113.7573% | 466 |
| Assets per employee ($millions) | 3.8880% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 3,328 |
| Loan loss allowance to noncurrent loans | 25.9296% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 9.8041% | 424 |
| Noncurrent loans to loans | 6.3666% | 948 |
| Net loans and leases to total assets | 72.3660% | 2,177 |
| Net loans and leases to deposits | 83.2860% | 2,845 |
| Net loans and leases to core deposits | 86.7151% | 3,555 |
| Total domestic deposits to total assets | 86.8886% | 2,590 |
| Equity capital to assets | 6.7913% | 7,384 |
| Core capital (leverage) ratio | 6.6056% | 7,308 |
| Tier 1 risk-based capital ratio | 8.5812% | 7,426 |
| Total risk-based capital ratio | 9.8328% | 7,436 |
| Memoranda: | ||
| Average total assets | $90,126,000 | 5,353 |
| Average earning assets | $78,965,250 | 5,438 |
| Average equity | $6,842,500 | 6,165 |
| Average total loans | $68,934,750 | 4,795 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6428% | 1,971 |
| Cost of funding earning assets | 1.8212% | 1,560 |
| Net interest margin | 3.8217% | 3,800 |
| Noninterest income to average assets | 0.6393% | 3,067 |
| Noninterest expense to average assets | 3.5240% | 1,969 |
| Loan and lease loss provision to assets | 1.4816% | 895 |
| Net operating income to assets | -1.0234% | 6,957 |
| Return on assets (ROA) | -1.0234% | 6,976 |
| Pretax return on assets | -1.0190% | 6,899 |
| Return on Equity (ROE) | -13.0513% | 7,077 |
| Retained earnings to average equity (ytd only) | -13.0513% | 7,036 |
| Net charge-offs to loans | 2.3261% | 756 |
| Credit loss provision to net charge-offs | 82.3030% | 4,646 |
| Earnings coverage of net charge-offs (x) | 0.2570% | 5,469 |
| Efficiency ratio | 88.3963% | 1,472 |
| Assets per employee ($millions) | 3.8107% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,398 |
| Loan loss allowance to noncurrent loans | 40.2717% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 7.3694% | 693 |
| Noncurrent loans to loans | 4.0006% | 1,891 |
| Net loans and leases to total assets | 76.4347% | 1,408 |
| Net loans and leases to deposits | 88.7170% | 2,050 |
| Net loans and leases to core deposits | 93.6768% | 2,770 |
| Total domestic deposits to total assets | 86.1557% | 3,004 |
| Equity capital to assets | 7.8155% | 6,911 |
| Core capital (leverage) ratio | 7.4255% | 6,898 |
| Tier 1 risk-based capital ratio | 8.9811% | 7,423 |
| Total risk-based capital ratio | 10.2335% | 7,430 |
| Memoranda: | ||
| Average total assets | $91,656,000 | 5,336 |
| Average earning assets | $80,278,670 | 5,427 |
| Average equity | $7,187,000 | 6,075 |
| Average total loans | $70,933,670 | 4,761 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5944% | 2,169 |
| Cost of funding earning assets | 1.8260% | 1,767 |
| Net interest margin | 3.7683% | 3,924 |
| Noninterest income to average assets | 1.3453% | 664 |
| Noninterest expense to average assets | 3.3354% | 2,408 |
| Loan and lease loss provision to assets | 0.3673% | 3,165 |
| Net operating income to assets | 0.9566% | 2,336 |
| Return on assets (ROA) | 0.9566% | 2,402 |
| Pretax return on assets | 0.9652% | 3,218 |
| Return on Equity (ROE) | 12.1814% | 1,447 |
| Retained earnings to average equity (ytd only) | 12.1814% | 720 |
| Net charge-offs to loans | 1.2825% | 1,331 |
| Credit loss provision to net charge-offs | 37.0690% | 4,691 |
| Earnings coverage of net charge-offs (x) | 1.3448% | 3,940 |
| Efficiency ratio | 71.4547% | 4,032 |
| Assets per employee ($millions) | 3.8668% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 3,571 |
| Loan loss allowance to noncurrent loans | 55.0150% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 7.4492% | 689 |
| Noncurrent loans to loans | 2.8568% | 2,817 |
| Net loans and leases to total assets | 74.0297% | 1,963 |
| Net loans and leases to deposits | 85.8355% | 2,617 |
| Net loans and leases to core deposits | 91.9003% | 3,118 |
| Total domestic deposits to total assets | 86.2460% | 3,009 |
| Equity capital to assets | 8.0699% | 6,577 |
| Core capital (leverage) ratio | 7.9000% | 6,386 |
| Tier 1 risk-based capital ratio | 9.8139% | 7,144 |
| Total risk-based capital ratio | 11.0672% | 7,139 |
| Memoranda: | ||
| Average total assets | $93,661,000 | 5,329 |
| Average earning assets | $82,583,000 | 5,412 |
| Average equity | $7,355,500 | 6,069 |
| Average total loans | $72,356,000 | 4,772 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7419% | 2,900 |
| Cost of funding earning assets | 2.0303% | 2,818 |
| Net interest margin | 3.7116% | 4,085 |
| Noninterest income to average assets | 0.1369% | 7,068 |
| Noninterest expense to average assets | 3.0923% | 3,776 |
| Loan and lease loss provision to assets | 2.2660% | 907 |
| Net operating income to assets | -1.8410% | 7,026 |
| Return on assets (ROA) | -1.8410% | 7,024 |
| Pretax return on assets | -1.8389% | 6,876 |
| Return on Equity (ROE) | -21.7286% | 7,198 |
| Retained earnings to average equity (ytd only) | -21.7286% | 7,168 |
| Net charge-offs to loans | 3.4306% | 573 |
| Credit loss provision to net charge-offs | 78.7554% | 6,319 |
| Earnings coverage of net charge-offs (x) | 0.1484% | 6,012 |
| Efficiency ratio | 87.8655% | 1,893 |
| Assets per employee ($millions) | 3.9383% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 3,048 |
| Loan loss allowance to noncurrent loans | 29.1101% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 9.1684% | 434 |
| Noncurrent loans to loans | 5.6999% | 1,119 |
| Net loans and leases to total assets | 77.9422% | 1,403 |
| Net loans and leases to deposits | 90.8901% | 2,065 |
| Net loans and leases to core deposits | 101.1367% | 3,884 |
| Total domestic deposits to total assets | 85.7543% | 3,136 |
| Equity capital to assets | 7.6407% | 6,906 |
| Core capital (leverage) ratio | 7.5328% | 6,758 |
| Tier 1 risk-based capital ratio | 9.0072% | 7,462 |
| Total risk-based capital ratio | 10.2616% | 7,482 |
| Memoranda: | ||
| Average total assets | $97,176,800 | 5,161 |
| Average earning assets | $88,559,800 | 5,166 |
| Average equity | $8,233,400 | 5,855 |
| Average total loans | $81,502,200 | 4,459 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7233% | 3,222 |
| Cost of funding earning assets | 2.0522% | 3,109 |
| Net interest margin | 3.6711% | 4,197 |
| Noninterest income to average assets | 0.0491% | 7,655 |
| Noninterest expense to average assets | 3.0062% | 4,021 |
| Loan and lease loss provision to assets | 2.9244% | 515 |
| Net operating income to assets | -2.5129% | 7,469 |
| Return on assets (ROA) | -2.5129% | 7,469 |
| Pretax return on assets | -2.5101% | 7,350 |
| Return on Equity (ROE) | -28.9717% | 7,585 |
| Retained earnings to average equity (ytd only) | -28.9717% | 7,575 |
| Net charge-offs to loans | 4.1916% | 321 |
| Credit loss provision to net charge-offs | 82.0964% | 5,706 |
| Earnings coverage of net charge-offs (x) | 0.1163% | 5,919 |
| Efficiency ratio | 87.8884% | 1,888 |
| Assets per employee ($millions) | 4.0411% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 2,585 |
| Loan loss allowance to noncurrent loans | 18.1397% | 7,191 |
| Noncurrent assets plus other real estate owned to assets | 9.2366% | 412 |
| Noncurrent loans to loans | 9.4354% | 446 |
| Net loans and leases to total assets | 84.5844% | 473 |
| Net loans and leases to deposits | 99.6805% | 1,132 |
| Net loans and leases to core deposits | 113.2434% | 2,908 |
| Total domestic deposits to total assets | 84.8556% | 3,303 |
| Equity capital to assets | 7.8563% | 6,980 |
| Core capital (leverage) ratio | 7.4346% | 7,048 |
| Tier 1 risk-based capital ratio | 8.7513% | 7,700 |
| Total risk-based capital ratio | 10.0068% | 7,731 |
| Memoranda: | ||
| Average total assets | $97,841,000 | 5,178 |
| Average earning assets | $89,852,250 | 5,171 |
| Average equity | $8,486,250 | 5,826 |
| Average total loans | $83,149,250 | 4,443 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0229% | 2,087 |
| Cost of funding earning assets | 2.0871% | 3,332 |
| Net interest margin | 3.9358% | 2,952 |
| Noninterest income to average assets | 0.3679% | 5,567 |
| Noninterest expense to average assets | 2.9254% | 4,409 |
| Loan and lease loss provision to assets | 1.4557% | 1,192 |
| Net operating income to assets | -0.3981% | 6,448 |
| Return on assets (ROA) | -0.3981% | 6,454 |
| Pretax return on assets | -0.3961% | 6,319 |
| Return on Equity (ROE) | -4.4590% | 6,542 |
| Retained earnings to average equity (ytd only) | -4.4590% | 6,217 |
| Net charge-offs to loans | 4.1162% | 335 |
| Credit loss provision to net charge-offs | 41.7773% | 5,878 |
| Earnings coverage of net charge-offs (x) | 0.3041% | 5,370 |
| Efficiency ratio | 73.4107% | 4,125 |
| Assets per employee ($millions) | 4.2051% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,239 |
| Loan loss allowance to noncurrent loans | 10.1508% | 7,493 |
| Noncurrent assets plus other real estate owned to assets | 9.6456% | 323 |
| Noncurrent loans to loans | 9.8570% | 361 |
| Net loans and leases to total assets | 84.7050% | 537 |
| Net loans and leases to deposits | 100.5215% | 1,231 |
| Net loans and leases to core deposits | 114.9179% | 2,818 |
| Total domestic deposits to total assets | 84.2656% | 3,619 |
| Equity capital to assets | 9.0862% | 5,185 |
| Core capital (leverage) ratio | 8.8677% | 4,837 |
| Tier 1 risk-based capital ratio | 10.2909% | 6,605 |
| Total risk-based capital ratio | 11.2779% | 6,816 |
| Memoranda: | ||
| Average total assets | $99,473,000 | 5,179 |
| Average earning assets | $91,418,330 | 5,149 |
| Average equity | $8,881,000 | 5,727 |
| Average total loans | $84,203,670 | 4,454 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0247% | 2,259 |
| Cost of funding earning assets | 2.1175% | 3,573 |
| Net interest margin | 3.9072% | 3,018 |
| Noninterest income to average assets | 0.3649% | 5,516 |
| Noninterest expense to average assets | 2.7447% | 4,808 |
| Loan and lease loss provision to assets | 1.8126% | 681 |
| Net operating income to assets | -0.5989% | 6,966 |
| Return on assets (ROA) | -0.5989% | 7,010 |
| Pretax return on assets | -0.5989% | 6,905 |
| Return on Equity (ROE) | -6.7656% | 7,129 |
| Retained earnings to average equity (ytd only) | -6.7656% | 6,770 |
| Net charge-offs to loans | 7.7147% | 100 |
| Credit loss provision to net charge-offs | 27.8999% | 4,979 |
| Earnings coverage of net charge-offs (x) | 0.1868% | 4,833 |
| Efficiency ratio | 69.3387% | 4,712 |
| Assets per employee ($millions) | 4.1115% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 7,198 |
| Loan loss allowance to noncurrent loans | 11.9143% | 7,484 |
| Noncurrent assets plus other real estate owned to assets | 6.5385% | 564 |
| Noncurrent loans to loans | 6.6198% | 644 |
| Net loans and leases to total assets | 83.6254% | 744 |
| Net loans and leases to deposits | 102.0530% | 1,172 |
| Net loans and leases to core deposits | 116.0801% | 2,798 |
| Total domestic deposits to total assets | 81.9431% | 4,573 |
| Equity capital to assets | 8.9656% | 5,395 |
| Core capital (leverage) ratio | 8.6551% | 5,245 |
| Tier 1 risk-based capital ratio | 10.4258% | 6,469 |
| Total risk-based capital ratio | 11.2150% | 6,869 |
| Memoranda: | ||
| Average total assets | $100,850,500 | 5,158 |
| Average earning assets | $92,751,500 | 5,124 |
| Average equity | $8,927,500 | 5,725 |
| Average total loans | $84,929,000 | 4,463 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1843% | 772 |
| Cost of funding earning assets | 2.6157% | 3,602 |
| Net interest margin | 4.5687% | 1,260 |
| Noninterest income to average assets | 0.4081% | 5,406 |
| Noninterest expense to average assets | 3.0907% | 3,734 |
| Loan and lease loss provision to assets | 1.2608% | 1,134 |
| Net operating income to assets | 0.2734% | 5,634 |
| Return on assets (ROA) | 0.2734% | 5,452 |
| Pretax return on assets | 0.2734% | 5,568 |
| Return on Equity (ROE) | 2.9194% | 5,264 |
| Retained earnings to average equity (ytd only) | -3.8492% | 6,289 |
| Net charge-offs to loans | 0.5953% | 2,047 |
| Credit loss provision to net charge-offs | 250.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.0422% | 4,564 |
| Efficiency ratio | 66.8272% | 4,935 |
| Assets per employee ($millions) | 4.1210% | 3,271 |
| Cash dividends to net income (ytd only)* | 231.8519% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 1,046 |
| Loan loss allowance to noncurrent loans | 31.0829% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 6.5344% | 421 |
| Noncurrent loans to loans | 6.8179% | 459 |
| Net loans and leases to total assets | 82.3556% | 1,162 |
| Net loans and leases to deposits | 97.2013% | 2,251 |
| Net loans and leases to core deposits | 113.0722% | 3,440 |
| Total domestic deposits to total assets | 84.7269% | 2,963 |
| Equity capital to assets | 8.7436% | 5,741 |
| Core capital (leverage) ratio | 8.4465% | 5,664 |
| Tier 1 risk-based capital ratio | 10.2201% | 6,498 |
| Total risk-based capital ratio | 11.4811% | 6,349 |
| Memoranda: | ||
| Average total assets | $98,747,400 | 5,093 |
| Average earning assets | $91,142,800 | 5,047 |
| Average equity | $9,248,600 | 5,652 |
| Average total loans | $83,657,800 | 4,407 |