Home > Reliance Bank > Performance and Condition Ratios
Reliance Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2880% | 840 |
| Cost of funding earning assets | 2.7407% | 550 |
| Net interest margin | 3.5473% | 2,200 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 2.8371% | 1,435 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 0.7466% | 2,984 |
| Return on assets (ROA) | 0.7466% | 2,988 |
| Pretax return on assets | 0.8569% | 3,061 |
| Return on Equity (ROE) | 9.1700% | 2,560 |
| Retained earnings to average equity (ytd only) | 4.1782% | 2,809 |
| 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 | 75.9726% | 1,254 |
| Assets per employee ($millions) | 7.5029% | 1,886 |
| Cash dividends to net income (ytd only)* | 54.4144% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 825 |
| Loan loss allowance to noncurrent loans | 131.3767% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 756 |
| Noncurrent loans to loans | 1.2096% | 876 |
| Net loans and leases to total assets | 77.5900% | 882 |
| Net loans and leases to deposits | 92.0969% | 917 |
| Net loans and leases to core deposits | 108.9987% | 887 |
| Total domestic deposits to total assets | 84.2500% | 2,820 |
| Equity capital to assets | 8.2301% | 3,474 |
| Core capital (leverage) ratio | 9.0238% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $297,342,500 | 2,493 |
| Average earning assets | $286,640,500 | 2,439 |
| Average equity | $24,221,000 | 2,747 |
| Average total loans | $235,427,000 | 2,191 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3483% | 862 |
| Cost of funding earning assets | 2.9639% | 532 |
| Net interest margin | 3.3844% | 2,319 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 2.9536% | 1,229 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 0.4358% | 3,612 |
| Return on assets (ROA) | 0.4358% | 3,632 |
| Pretax return on assets | 0.5008% | 3,643 |
| Return on Equity (ROE) | 5.2600% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.2580% | 2,935 |
| Net charge-offs to loans | 0.1566% | 846 |
| Credit loss provision to net charge-offs | 102.4931% | 1,860 |
| Earnings coverage of net charge-offs (x) | 4.8670% | 2,622 |
| Efficiency ratio | 82.3186% | 899 |
| Assets per employee ($millions) | 7.5530% | 1,816 |
| Cash dividends to net income (ytd only)* | 38.1110% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 814 |
| Loan loss allowance to noncurrent loans | 166.8157% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 976 |
| Noncurrent loans to loans | 0.9546% | 1,047 |
| Net loans and leases to total assets | 78.2500% | 870 |
| Net loans and leases to deposits | 95.3711% | 753 |
| Net loans and leases to core deposits | 114.6177% | 773 |
| Total domestic deposits to total assets | 82.0500% | 3,235 |
| Equity capital to assets | 8.0599% | 3,468 |
| Core capital (leverage) ratio | 9.0684% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $276,948,200 | 2,566 |
| Average earning assets | $267,080,400 | 2,515 |
| Average equity | $22,928,400 | 2,768 |
| Average total loans | $230,458,800 | 2,190 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3166% | 862 |
| Cost of funding earning assets | 2.9749% | 533 |
| Net interest margin | 3.3417% | 2,365 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 2.9436% | 1,184 |
| Loan and lease loss provision to assets | 0.1800% | 677 |
| Net operating income to assets | 0.3434% | 3,790 |
| Return on assets (ROA) | 0.3434% | 3,822 |
| Pretax return on assets | 0.4144% | 3,786 |
| Return on Equity (ROE) | 4.1200% | 3,709 |
| Retained earnings to average equity (ytd only) | 1.4198% | 3,611 |
| Net charge-offs to loans | 0.2097% | 570 |
| Credit loss provision to net charge-offs | 102.4931% | 1,637 |
| Earnings coverage of net charge-offs (x) | 3.3712% | 2,523 |
| Efficiency ratio | 83.1767% | 869 |
| Assets per employee ($millions) | 7.2831% | 1,948 |
| Cash dividends to net income (ytd only)* | 65.5271% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 747 |
| Loan loss allowance to noncurrent loans | 161.6818% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 837 |
| Noncurrent loans to loans | 1.0198% | 976 |
| Net loans and leases to total assets | 78.3300% | 845 |
| Net loans and leases to deposits | 94.0425% | 855 |
| Net loans and leases to core deposits | 110.7931% | 908 |
| Total domestic deposits to total assets | 83.3000% | 2,760 |
| Equity capital to assets | 8.4657% | 3,421 |
| Core capital (leverage) ratio | 9.0770% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $272,543,250 | 2,577 |
| Average earning assets | $262,772,000 | 2,526 |
| Average equity | $22,725,000 | 2,773 |
| Average total loans | $229,513,500 | 2,183 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2986% | 818 |
| Cost of funding earning assets | 2.9405% | 511 |
| Net interest margin | 3.3581% | 2,281 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 3.0092% | 1,092 |
| Loan and lease loss provision to assets | 0.2200% | 493 |
| Net operating income to assets | 0.2456% | 3,930 |
| Return on assets (ROA) | 0.2456% | 3,968 |
| Pretax return on assets | 0.3156% | 3,912 |
| Return on Equity (ROE) | 2.9600% | 3,886 |
| Retained earnings to average equity (ytd only) | -1.1667% | 4,071 |
| Net charge-offs to loans | 0.0364% | 1,454 |
| Credit loss provision to net charge-offs | 702.3810% | 506 |
| Earnings coverage of net charge-offs (x) | 17.1190% | 1,710 |
| Efficiency ratio | 84.9013% | 803 |
| Assets per employee ($millions) | 7.2029% | 1,940 |
| Cash dividends to net income (ytd only)* | 139.3939% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 635 |
| Loan loss allowance to noncurrent loans | 139.4875% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 564 |
| Noncurrent loans to loans | 1.2358% | 731 |
| Net loans and leases to total assets | 82.7700% | 406 |
| Net loans and leases to deposits | 96.7057% | 741 |
| Net loans and leases to core deposits | 117.6377% | 699 |
| Total domestic deposits to total assets | 85.5900% | 2,117 |
| Equity capital to assets | 8.3607% | 3,195 |
| Core capital (leverage) ratio | 9.2496% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $268,711,000 | 2,594 |
| Average earning assets | $259,071,667 | 2,546 |
| Average equity | $22,284,667 | 2,767 |
| Average total loans | $230,609,000 | 2,167 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4292% | 626 |
| Cost of funding earning assets | 2.9123% | 493 |
| Net interest margin | 3.5169% | 1,873 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 3.0051% | 1,086 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 0.3531% | 3,720 |
| Return on assets (ROA) | 0.3531% | 3,737 |
| Pretax return on assets | 0.4042% | 3,749 |
| Return on Equity (ROE) | 4.2800% | 3,612 |
| Retained earnings to average equity (ytd only) | -4.0937% | 4,084 |
| Net charge-offs to loans | 0.0364% | 1,179 |
| Credit loss provision to net charge-offs | 1,047.6190% | 333 |
| Earnings coverage of net charge-offs (x) | 23.2857% | 1,280 |
| Efficiency ratio | 80.3536% | 1,177 |
| Assets per employee ($millions) | 6.7570% | 2,238 |
| Cash dividends to net income (ytd only)* | 195.7447% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 728 |
| Loan loss allowance to noncurrent loans | 869.1796% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 2,541 |
| Noncurrent loans to loans | 0.1920% | 2,663 |
| Net loans and leases to total assets | 85.4700% | 187 |
| Net loans and leases to deposits | 99.8431% | 487 |
| Net loans and leases to core deposits | 118.5256% | 671 |
| Total domestic deposits to total assets | 85.6000% | 2,225 |
| Equity capital to assets | 8.4035% | 3,080 |
| Core capital (leverage) ratio | 9.2354% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $266,212,000 | 2,615 |
| Average earning assets | $256,702,500 | 2,565 |
| Average equity | $21,985,000 | 2,799 |
| Average total loans | $230,645,500 | 2,165 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7342% | 893 |
| Cost of funding earning assets | 1.9429% | 1,007 |
| Net interest margin | 3.7912% | 1,575 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 3.0322% | 1,079 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 0.8568% | 2,683 |
| Return on assets (ROA) | 0.7325% | 3,082 |
| Pretax return on assets | 0.7967% | 3,220 |
| Return on Equity (ROE) | 8.9700% | 2,765 |
| Retained earnings to average equity (ytd only) | 4.3334% | 2,854 |
| Net charge-offs to loans | 0.0653% | 1,198 |
| Credit loss provision to net charge-offs | 637.1429% | 564 |
| Earnings coverage of net charge-offs (x) | 23.0786% | 1,797 |
| Efficiency ratio | 70.2020% | 1,849 |
| Assets per employee ($millions) | 6.5536% | 2,385 |
| Cash dividends to net income (ytd only)* | 51.7129% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 772 |
| Loan loss allowance to noncurrent loans | 861.3426% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 2,439 |
| Noncurrent loans to loans | 0.1908% | 2,560 |
| Net loans and leases to total assets | 84.9300% | 214 |
| Net loans and leases to deposits | 102.1677% | 425 |
| Net loans and leases to core deposits | 117.0755% | 714 |
| Total domestic deposits to total assets | 83.1300% | 2,859 |
| Equity capital to assets | 8.1089% | 3,348 |
| Core capital (leverage) ratio | 9.2140% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $251,042,800 | 2,677 |
| Average earning assets | $241,028,800 | 2,623 |
| Average equity | $20,492,200 | 2,819 |
| Average total loans | $214,259,800 | 2,198 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5543% | 955 |
| Cost of funding earning assets | 1.7360% | 1,118 |
| Net interest margin | 3.8183% | 1,558 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.9779% | 1,102 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 0.9555% | 2,497 |
| Return on assets (ROA) | 0.7916% | 3,047 |
| Pretax return on assets | 0.8775% | 3,152 |
| Return on Equity (ROE) | 9.6800% | 2,742 |
| Retained earnings to average equity (ytd only) | 3.4349% | 3,407 |
| Net charge-offs to loans | 0.0915% | 834 |
| Credit loss provision to net charge-offs | 542.7586% | 598 |
| Earnings coverage of net charge-offs (x) | 19.0345% | 1,846 |
| Efficiency ratio | 66.7670% | 2,184 |
| Assets per employee ($millions) | 6.4872% | 2,337 |
| Cash dividends to net income (ytd only)* | 64.5183% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 846 |
| Loan loss allowance to noncurrent loans | 113.3710% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.2593% | 342 |
| Noncurrent loans to loans | 1.4348% | 514 |
| Net loans and leases to total assets | 86.3400% | 141 |
| Net loans and leases to deposits | 98.4878% | 583 |
| Net loans and leases to core deposits | 109.4359% | 891 |
| Total domestic deposits to total assets | 87.6700% | 1,675 |
| Equity capital to assets | 8.0229% | 3,043 |
| Core capital (leverage) ratio | 9.1067% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $248,267,500 | 2,698 |
| Average earning assets | $238,247,750 | 2,641 |
| Average equity | $20,301,000 | 2,819 |
| Average total loans | $211,233,000 | 2,220 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 874 |
| Cost of funding earning assets | 1.4941% | 1,252 |
| Net interest margin | 3.9773% | 1,282 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 3.0208% | 1,009 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.8772% | 2,832 |
| Return on assets (ROA) | 0.8772% | 2,821 |
| Pretax return on assets | 0.9923% | 2,934 |
| Return on Equity (ROE) | 10.6600% | 2,516 |
| Retained earnings to average equity (ytd only) | 1.2905% | 3,858 |
| Net charge-offs to loans | 0.0222% | 1,440 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 63.2174% | 1,172 |
| Efficiency ratio | 71.9305% | 1,568 |
| Assets per employee ($millions) | 6.3794% | 2,405 |
| Cash dividends to net income (ytd only)* | 87.8928% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 1,331 |
| Loan loss allowance to noncurrent loans | 398.9950% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 1,640 |
| Noncurrent loans to loans | 0.3646% | 1,833 |
| Net loans and leases to total assets | 86.4800% | 131 |
| Net loans and leases to deposits | 97.1827% | 658 |
| Net loans and leases to core deposits | 104.7229% | 1,023 |
| Total domestic deposits to total assets | 88.9800% | 1,267 |
| Equity capital to assets | 8.0363% | 3,187 |
| Core capital (leverage) ratio | 9.4501% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $246,690,000 | 2,710 |
| Average earning assets | $237,598,000 | 2,656 |
| Average equity | $20,302,000 | 2,836 |
| Average total loans | $207,625,000 | 2,239 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 854 |
| Cost of funding earning assets | 1.1540% | 1,582 |
| Net interest margin | 4.1185% | 1,071 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.8872% | 1,258 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2295% | 1,856 |
| Return on assets (ROA) | 1.2295% | 1,827 |
| Pretax return on assets | 1.3858% | 1,918 |
| Return on Equity (ROE) | 14.7600% | 1,607 |
| Retained earnings to average equity (ytd only) | 14.7634% | 836 |
| Net charge-offs to loans | 0.0257% | 1,174 |
| Credit loss provision to net charge-offs | 538.4615% | 529 |
| Earnings coverage of net charge-offs (x) | 70.8462% | 945 |
| Efficiency ratio | 65.8129% | 2,228 |
| Assets per employee ($millions) | 6.0511% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,448 |
| Loan loss allowance to noncurrent loans | 323.6364% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 1,339 |
| Noncurrent loans to loans | 0.4463% | 1,604 |
| Net loans and leases to total assets | 85.3000% | 170 |
| Net loans and leases to deposits | 96.1953% | 636 |
| Net loans and leases to core deposits | 101.9485% | 1,000 |
| Total domestic deposits to total assets | 88.6700% | 1,673 |
| Equity capital to assets | 8.6659% | 2,768 |
| Core capital (leverage) ratio | 9.7279% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $245,637,500 | 2,750 |
| Average earning assets | $236,395,000 | 2,693 |
| Average equity | $20,456,000 | 2,843 |
| Average total loans | $202,275,500 | 2,289 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 467 |
| Cost of funding earning assets | 0.4529% | 1,702 |
| Net interest margin | 4.2950% | 431 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.7039% | 1,547 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.4109% | 1,104 |
| Return on assets (ROA) | 1.4109% | 1,067 |
| Pretax return on assets | 1.6124% | 1,141 |
| Return on Equity (ROE) | 16.2600% | 1,003 |
| Retained earnings to average equity (ytd only) | 6.0291% | 2,636 |
| Net charge-offs to loans | -0.0263% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.3589% | 3,003 |
| Assets per employee ($millions) | 6.7557% | 2,153 |
| Cash dividends to net income (ytd only)* | 62.9305% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,139 |
| Loan loss allowance to noncurrent loans | 329.8889% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 1,421 |
| Noncurrent loans to loans | 0.4614% | 1,556 |
| Net loans and leases to total assets | 76.8500% | 914 |
| Net loans and leases to deposits | 84.1865% | 1,457 |
| Net loans and leases to core deposits | 87.4363% | 1,656 |
| Total domestic deposits to total assets | 91.2900% | 845 |
| Equity capital to assets | 8.2673% | 2,882 |
| Core capital (leverage) ratio | 9.3085% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $226,374,400 | 2,865 |
| Average earning assets | $211,547,400 | 2,851 |
| Average equity | $19,638,000 | 2,983 |
| Average total loans | $174,573,400 | 2,413 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 436 |
| Cost of funding earning assets | 0.3496% | 1,707 |
| Net interest margin | 4.2326% | 389 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.6518% | 1,589 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.3788% | 1,143 |
| Return on assets (ROA) | 1.3788% | 1,118 |
| Pretax return on assets | 1.5898% | 1,142 |
| Return on Equity (ROE) | 15.6800% | 1,043 |
| Retained earnings to average equity (ytd only) | 1.8574% | 4,059 |
| Net charge-offs to loans | -0.0268% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.8717% | 3,131 |
| Assets per employee ($millions) | 7.0214% | 1,926 |
| Cash dividends to net income (ytd only)* | 88.1579% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,104 |
| Loan loss allowance to noncurrent loans | 5,173.2143% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,711 |
| Noncurrent loans to loans | 0.0305% | 3,681 |
| Net loans and leases to total assets | 75.6300% | 947 |
| Net loans and leases to deposits | 82.2461% | 1,427 |
| Net loans and leases to core deposits | 85.3415% | 1,562 |
| Total domestic deposits to total assets | 91.9500% | 894 |
| Equity capital to assets | 7.7591% | 3,047 |
| Core capital (leverage) ratio | 9.1412% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $220,477,750 | 2,916 |
| Average earning assets | $204,441,250 | 2,919 |
| Average equity | $19,381,250 | 3,051 |
| Average total loans | $169,450,750 | 2,461 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 394 |
| Cost of funding earning assets | 0.3247% | 1,484 |
| Net interest margin | 4.1411% | 374 |
| Noninterest income to average assets | 0.5933% | 1,772 |
| Noninterest expense to average assets | 2.7725% | 1,223 |
| Loan and lease loss provision to assets | 0.1679% | 548 |
| Net operating income to assets | 1.2118% | 1,390 |
| Return on assets (ROA) | 1.2118% | 1,378 |
| Pretax return on assets | 1.4366% | 1,342 |
| Return on Equity (ROE) | 13.2097% | 1,321 |
| Retained earnings to average equity (ytd only) | -7.1692% | 4,597 |
| Net charge-offs to loans | -0.0049% | 3,329 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3419% | 2,860 |
| Assets per employee ($millions) | 7.0819% | 1,887 |
| Cash dividends to net income (ytd only)* | 154.2725% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,182 |
| Loan loss allowance to noncurrent loans | 4,561.6667% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,700 |
| Noncurrent loans to loans | 0.0348% | 3,692 |
| Net loans and leases to total assets | 79.9697% | 408 |
| Net loans and leases to deposits | 87.7874% | 846 |
| Net loans and leases to core deposits | 90.2750% | 1,105 |
| Total domestic deposits to total assets | 91.0947% | 1,184 |
| Equity capital to assets | 8.6351% | 2,664 |
| Core capital (leverage) ratio | 8.4975% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,394,667 | 2,994 |
| Average earning assets | $195,888,000 | 3,021 |
| Average equity | $19,667,333 | 3,095 |
| Average total loans | $164,788,667 | 2,509 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 474 |
| Cost of funding earning assets | 0.3227% | 1,438 |
| Net interest margin | 3.9381% | 459 |
| Noninterest income to average assets | 0.6631% | 1,438 |
| Noninterest expense to average assets | 2.6690% | 1,430 |
| Loan and lease loss provision to assets | 0.0743% | 1,113 |
| Net operating income to assets | 1.2296% | 1,171 |
| Return on assets (ROA) | 1.2296% | 1,154 |
| Pretax return on assets | 1.4784% | 1,056 |
| Return on Equity (ROE) | 13.0264% | 1,027 |
| Retained earnings to average equity (ytd only) | -6.7296% | 4,484 |
| Net charge-offs to loans | -0.0099% | 3,587 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2204% | 3,113 |
| Assets per employee ($millions) | 7.3265% | 1,785 |
| Cash dividends to net income (ytd only)* | 151.6616% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 1,320 |
| Loan loss allowance to noncurrent loans | 4,994.2308% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,809 |
| Noncurrent loans to loans | 0.0317% | 3,758 |
| Net loans and leases to total assets | 73.5235% | 696 |
| Net loans and leases to deposits | 80.8956% | 1,085 |
| Net loans and leases to core deposits | 83.1820% | 1,286 |
| Total domestic deposits to total assets | 90.8870% | 1,093 |
| Equity capital to assets | 8.8728% | 2,821 |
| Core capital (leverage) ratio | 9.5708% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,363,000 | 2,998 |
| Average earning assets | $194,613,000 | 3,048 |
| Average equity | $20,328,000 | 3,116 |
| Average total loans | $160,863,500 | 2,540 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 358 |
| Cost of funding earning assets | 0.4349% | 1,289 |
| Net interest margin | 4.3615% | 357 |
| Noninterest income to average assets | 0.6413% | 1,985 |
| Noninterest expense to average assets | 2.4686% | 2,283 |
| Loan and lease loss provision to assets | 0.2438% | 390 |
| Net operating income to assets | 1.6657% | 685 |
| Return on assets (ROA) | 1.6657% | 717 |
| Pretax return on assets | 1.8657% | 793 |
| Return on Equity (ROE) | 17.0444% | 584 |
| Retained earnings to average equity (ytd only) | 17.0444% | 118 |
| Net charge-offs to loans | -0.1411% | 4,657 |
| Credit loss provision to net charge-offs | -230.0469% | 3,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9231% | 3,937 |
| Assets per employee ($millions) | 7.5333% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 1,213 |
| Loan loss allowance to noncurrent loans | 4,255.0000% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,841 |
| Noncurrent loans to loans | 0.0381% | 3,804 |
| Net loans and leases to total assets | 73.4724% | 710 |
| Net loans and leases to deposits | 81.9762% | 1,068 |
| Net loans and leases to core deposits | 84.8351% | 1,274 |
| Total domestic deposits to total assets | 89.6265% | 1,153 |
| Equity capital to assets | 10.0289% | 2,627 |
| Core capital (leverage) ratio | 10.3728% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,001,200 | 3,058 |
| Average earning assets | $181,428,200 | 3,084 |
| Average equity | $19,642,800 | 3,246 |
| Average total loans | $150,943,000 | 2,621 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 451 |
| Cost of funding earning assets | 0.4491% | 1,356 |
| Net interest margin | 4.2963% | 456 |
| Noninterest income to average assets | 0.6582% | 1,982 |
| Noninterest expense to average assets | 2.4205% | 2,372 |
| Loan and lease loss provision to assets | 0.2619% | 339 |
| Net operating income to assets | 1.8550% | 607 |
| Return on assets (ROA) | 1.8550% | 629 |
| Pretax return on assets | 1.8564% | 1,034 |
| Return on Equity (ROE) | 19.1154% | 502 |
| Retained earnings to average equity (ytd only) | 19.1154% | 162 |
| Net charge-offs to loans | -0.1250% | 4,682 |
| Credit loss provision to net charge-offs | -278.5714% | 3,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3294% | 3,893 |
| Assets per employee ($millions) | 7.3639% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,658 |
| Loan loss allowance to noncurrent loans | 798.6577% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 3,112 |
| Noncurrent loans to loans | 0.1870% | 3,199 |
| Net loans and leases to total assets | 78.9372% | 351 |
| Net loans and leases to deposits | 89.1551% | 648 |
| Net loans and leases to core deposits | 92.7111% | 888 |
| Total domestic deposits to total assets | 88.5391% | 1,547 |
| Equity capital to assets | 10.4298% | 2,508 |
| Core capital (leverage) ratio | 10.4093% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,518,750 | 3,110 |
| Average earning assets | $179,312,000 | 3,139 |
| Average equity | $19,265,000 | 3,320 |
| Average total loans | $149,296,500 | 2,681 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 789 |
| Cost of funding earning assets | 0.4690% | 1,390 |
| Net interest margin | 3.9782% | 855 |
| Noninterest income to average assets | 0.6330% | 2,075 |
| Noninterest expense to average assets | 2.3798% | 2,534 |
| Loan and lease loss provision to assets | 0.2923% | 294 |
| Net operating income to assets | 1.4989% | 1,296 |
| Return on assets (ROA) | 1.4989% | 1,358 |
| Pretax return on assets | 1.5009% | 2,015 |
| Return on Equity (ROE) | 15.8408% | 984 |
| Retained earnings to average equity (ytd only) | 15.8408% | 347 |
| Net charge-offs to loans | -0.1069% | 4,644 |
| Credit loss provision to net charge-offs | -371.7949% | 3,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0290% | 3,405 |
| Assets per employee ($millions) | 7.9361% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,804 |
| Loan loss allowance to noncurrent loans | 633.7143% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 3,083 |
| Noncurrent loans to loans | 0.2276% | 3,149 |
| Net loans and leases to total assets | 76.4060% | 555 |
| Net loans and leases to deposits | 86.9105% | 855 |
| Net loans and leases to core deposits | 90.7486% | 1,084 |
| Total domestic deposits to total assets | 87.9134% | 1,878 |
| Equity capital to assets | 9.8099% | 3,044 |
| Core capital (leverage) ratio | 9.7401% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,417,000 | 3,112 |
| Average earning assets | $176,562,667 | 3,164 |
| Average equity | $18,774,333 | 3,355 |
| Average total loans | $145,953,333 | 2,727 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 862 |
| Cost of funding earning assets | 0.5014% | 1,390 |
| Net interest margin | 3.9334% | 934 |
| Noninterest income to average assets | 0.7257% | 1,784 |
| Noninterest expense to average assets | 2.2921% | 2,820 |
| Loan and lease loss provision to assets | 0.2742% | 355 |
| Net operating income to assets | 1.6228% | 1,075 |
| Return on assets (ROA) | 1.6228% | 1,132 |
| Pretax return on assets | 1.6228% | 1,666 |
| Return on Equity (ROE) | 17.4715% | 785 |
| Retained earnings to average equity (ytd only) | 17.4715% | 392 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7161% | 3,710 |
| Assets per employee ($millions) | 7.6932% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,302 |
| Loan loss allowance to noncurrent loans | 386.3813% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 2,860 |
| Noncurrent loans to loans | 0.3439% | 2,864 |
| Net loans and leases to total assets | 73.7345% | 837 |
| Net loans and leases to deposits | 83.3235% | 1,213 |
| Net loans and leases to core deposits | 87.1656% | 1,438 |
| Total domestic deposits to total assets | 88.4918% | 1,612 |
| Equity capital to assets | 9.3579% | 3,320 |
| Core capital (leverage) ratio | 9.3172% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,424,500 | 3,102 |
| Average earning assets | $174,710,000 | 3,171 |
| Average equity | $18,430,000 | 3,382 |
| Average total loans | $142,025,500 | 2,763 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 438 |
| Cost of funding earning assets | 0.9812% | 639 |
| Net interest margin | 4.0777% | 830 |
| Noninterest income to average assets | 0.6774% | 1,930 |
| Noninterest expense to average assets | 2.6099% | 2,517 |
| Loan and lease loss provision to assets | 0.6774% | 250 |
| Net operating income to assets | 1.0956% | 1,940 |
| Return on assets (ROA) | 1.1104% | 2,006 |
| Pretax return on assets | 1.1115% | 2,650 |
| Return on Equity (ROE) | 11.5528% | 1,457 |
| Retained earnings to average equity (ytd only) | 9.0911% | 750 |
| Net charge-offs to loans | 0.7063% | 212 |
| Credit loss provision to net charge-offs | 124.6347% | 2,602 |
| Earnings coverage of net charge-offs (x) | 3.2641% | 3,100 |
| Efficiency ratio | 59.5315% | 3,515 |
| Assets per employee ($millions) | 7.2899% | 1,403 |
| Cash dividends to net income (ytd only)* | 21.3081% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,083 |
| Loan loss allowance to noncurrent loans | 342.5926% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 2,782 |
| Noncurrent loans to loans | 0.4013% | 2,771 |
| Net loans and leases to total assets | 67.4347% | 1,897 |
| Net loans and leases to deposits | 76.4330% | 2,235 |
| Net loans and leases to core deposits | 80.9259% | 2,283 |
| Total domestic deposits to total assets | 88.2272% | 1,361 |
| Equity capital to assets | 9.2173% | 3,871 |
| Core capital (leverage) ratio | 9.4398% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,250,000 | 3,139 |
| Average earning assets | $160,211,400 | 3,166 |
| Average equity | $16,939,600 | 3,457 |
| Average total loans | $135,632,400 | 2,795 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 1,251 |
| Cost of funding earning assets | 0.9870% | 796 |
| Net interest margin | 3.6339% | 2,142 |
| Noninterest income to average assets | 0.6748% | 1,881 |
| Noninterest expense to average assets | 2.5395% | 2,722 |
| Loan and lease loss provision to assets | 0.5500% | 493 |
| Net operating income to assets | 0.9631% | 2,475 |
| Return on assets (ROA) | 0.9834% | 2,531 |
| Pretax return on assets | 0.9849% | 3,121 |
| Return on Equity (ROE) | 10.1125% | 1,977 |
| Retained earnings to average equity (ytd only) | 6.7711% | 1,787 |
| Net charge-offs to loans | 0.5141% | 289 |
| Credit loss provision to net charge-offs | 134.7328% | 2,418 |
| Earnings coverage of net charge-offs (x) | 3.7099% | 2,890 |
| Efficiency ratio | 62.6369% | 2,965 |
| Assets per employee ($millions) | 7.0937% | 1,435 |
| Cash dividends to net income (ytd only)* | 33.0428% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,325 |
| Loan loss allowance to noncurrent loans | 179.9599% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5715% | 2,012 |
| Noncurrent loans to loans | 0.7027% | 2,034 |
| Net loans and leases to total assets | 76.0303% | 1,091 |
| Net loans and leases to deposits | 88.9941% | 1,370 |
| Net loans and leases to core deposits | 94.8839% | 1,554 |
| Total domestic deposits to total assets | 85.4330% | 2,275 |
| Equity capital to assets | 9.4439% | 3,726 |
| Core capital (leverage) ratio | 9.2403% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,106,000 | 3,167 |
| Average earning assets | $159,127,000 | 3,158 |
| Average equity | $16,639,000 | 3,487 |
| Average total loans | $135,895,750 | 2,800 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 1,308 |
| Cost of funding earning assets | 1.0443% | 855 |
| Net interest margin | 3.6954% | 2,179 |
| Noninterest income to average assets | 0.6240% | 2,044 |
| Noninterest expense to average assets | 2.6353% | 2,559 |
| Loan and lease loss provision to assets | 0.3768% | 1,103 |
| Net operating income to assets | 1.0788% | 2,038 |
| Return on assets (ROA) | 1.1088% | 2,062 |
| Pretax return on assets | 1.1112% | 2,680 |
| Return on Equity (ROE) | 11.2825% | 1,547 |
| Retained earnings to average equity (ytd only) | 6.1907% | 1,994 |
| Net charge-offs to loans | 0.1195% | 1,131 |
| Credit loss provision to net charge-offs | 392.5000% | 1,424 |
| Earnings coverage of net charge-offs (x) | 15.1875% | 1,922 |
| Efficiency ratio | 64.3799% | 2,768 |
| Assets per employee ($millions) | 6.7396% | 1,598 |
| Cash dividends to net income (ytd only)* | 45.1299% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,249 |
| Loan loss allowance to noncurrent loans | 80.7339% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.2887% | 814 |
| Noncurrent loans to loans | 1.5491% | 967 |
| Net loans and leases to total assets | 80.1884% | 577 |
| Net loans and leases to deposits | 95.9154% | 802 |
| Net loans and leases to core deposits | 102.2873% | 1,098 |
| Total domestic deposits to total assets | 83.6033% | 2,881 |
| Equity capital to assets | 9.3615% | 3,768 |
| Core capital (leverage) ratio | 9.3892% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,662,333 | 3,185 |
| Average earning assets | $156,464,000 | 3,169 |
| Average equity | $16,379,333 | 3,522 |
| Average total loans | $133,853,000 | 2,820 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 954 |
| Cost of funding earning assets | 1.1692% | 849 |
| Net interest margin | 3.8359% | 1,862 |
| Noninterest income to average assets | 0.4126% | 3,012 |
| Noninterest expense to average assets | 2.6363% | 2,867 |
| Loan and lease loss provision to assets | 0.1887% | 1,584 |
| Net operating income to assets | 1.2024% | 1,509 |
| Return on assets (ROA) | 1.2024% | 1,624 |
| Pretax return on assets | 1.2024% | 2,188 |
| Return on Equity (ROE) | 11.9117% | 1,126 |
| Retained earnings to average equity (ytd only) | 1.5201% | 3,597 |
| Net charge-offs to loans | -0.3121% | 4,983 |
| Credit loss provision to net charge-offs | -75.7576% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4591% | 3,033 |
| Assets per employee ($millions) | 6.4913% | 1,347 |
| Cash dividends to net income (ytd only)* | 87.2385% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,821 |
| Loan loss allowance to noncurrent loans | 132.6409% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 1,616 |
| Noncurrent loans to loans | 1.0313% | 1,610 |
| Net loans and leases to total assets | 79.4463% | 766 |
| Net loans and leases to deposits | 93.5616% | 1,120 |
| Net loans and leases to core deposits | 100.4245% | 1,439 |
| Total domestic deposits to total assets | 84.9133% | 2,442 |
| Equity capital to assets | 9.9173% | 3,867 |
| Core capital (leverage) ratio | 10.0188% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,009,000 | 3,224 |
| Average earning assets | $149,847,500 | 3,196 |
| Average equity | $16,051,500 | 3,555 |
| Average total loans | $126,896,500 | 2,872 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 1,350 |
| Cost of funding earning assets | 1.2487% | 896 |
| Net interest margin | 3.7982% | 2,501 |
| Noninterest income to average assets | 0.3637% | 3,527 |
| Noninterest expense to average assets | 2.4386% | 3,596 |
| Loan and lease loss provision to assets | 0.5580% | 219 |
| Net operating income to assets | 0.9118% | 3,160 |
| Return on assets (ROA) | 0.9118% | 3,240 |
| Pretax return on assets | 0.9131% | 3,701 |
| Return on Equity (ROE) | 9.1732% | 2,681 |
| Retained earnings to average equity (ytd only) | 6.3268% | 1,704 |
| Net charge-offs to loans | 0.8558% | 191 |
| Credit loss provision to net charge-offs | 82.5243% | 2,761 |
| Earnings coverage of net charge-offs (x) | 2.1757% | 3,446 |
| Efficiency ratio | 62.3741% | 3,308 |
| Assets per employee ($millions) | 6.4890% | 1,294 |
| Cash dividends to net income (ytd only)* | 31.0295% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 1,864 |
| Loan loss allowance to noncurrent loans | 87.1020% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 991 |
| Noncurrent loans to loans | 1.5055% | 955 |
| Net loans and leases to total assets | 77.9935% | 1,082 |
| Net loans and leases to deposits | 91.2611% | 1,459 |
| Net loans and leases to core deposits | 98.2186% | 1,708 |
| Total domestic deposits to total assets | 85.4619% | 2,312 |
| Equity capital to assets | 10.2796% | 3,646 |
| Core capital (leverage) ratio | 10.1112% | 3,401 |
| Tier 1 risk-based capital ratio | 12.6855% | 3,956 |
| Total risk-based capital ratio | 13.9362% | 3,836 |
| Memoranda: | ||
| Average total assets | $152,338,600 | 3,263 |
| Average earning assets | $142,223,800 | 3,251 |
| Average equity | $15,142,000 | 3,627 |
| Average total loans | $120,355,600 | 2,942 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 1,367 |
| Cost of funding earning assets | 1.2534% | 901 |
| Net interest margin | 3.8132% | 2,552 |
| Noninterest income to average assets | 0.3160% | 3,863 |
| Noninterest expense to average assets | 2.4811% | 3,490 |
| Loan and lease loss provision to assets | 0.6355% | 176 |
| Net operating income to assets | 0.7481% | 3,856 |
| Return on assets (ROA) | 0.7481% | 3,918 |
| Pretax return on assets | 0.7499% | 4,242 |
| Return on Equity (ROE) | 7.5932% | 3,475 |
| Retained earnings to average equity (ytd only) | 3.7430% | 3,524 |
| Net charge-offs to loans | 1.1564% | 125 |
| Credit loss provision to net charge-offs | 69.5568% | 2,626 |
| Earnings coverage of net charge-offs (x) | 1.5164% | 3,282 |
| Efficiency ratio | 64.1703% | 2,978 |
| Assets per employee ($millions) | 7.4965% | 841 |
| Cash dividends to net income (ytd only)* | 50.7055% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,374 |
| Loan loss allowance to noncurrent loans | 77.4751% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1575% | 1,112 |
| Noncurrent loans to loans | 1.5808% | 934 |
| Net loans and leases to total assets | 72.3254% | 2,130 |
| Net loans and leases to deposits | 84.1377% | 2,438 |
| Net loans and leases to core deposits | 90.2824% | 2,528 |
| Total domestic deposits to total assets | 85.9608% | 2,016 |
| Equity capital to assets | 9.3849% | 4,536 |
| Core capital (leverage) ratio | 9.7978% | 3,857 |
| Tier 1 risk-based capital ratio | 12.2606% | 4,274 |
| Total risk-based capital ratio | 13.4405% | 4,202 |
| Memoranda: | ||
| Average total assets | $151,489,250 | 3,308 |
| Average earning assets | $141,050,250 | 3,295 |
| Average equity | $14,925,250 | 3,679 |
| Average total loans | $119,675,000 | 2,975 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 1,252 |
| Cost of funding earning assets | 1.2306% | 916 |
| Net interest margin | 3.8546% | 2,392 |
| Noninterest income to average assets | 0.3319% | 3,719 |
| Noninterest expense to average assets | 2.5195% | 3,414 |
| Loan and lease loss provision to assets | 0.6625% | 163 |
| Net operating income to assets | 0.7904% | 3,692 |
| Return on assets (ROA) | 0.7904% | 3,749 |
| Pretax return on assets | 0.7931% | 4,111 |
| Return on Equity (ROE) | 7.8828% | 3,334 |
| Retained earnings to average equity (ytd only) | 2.0351% | 4,102 |
| Net charge-offs to loans | 0.3252% | 523 |
| Credit loss provision to net charge-offs | 251.0309% | 1,008 |
| Earnings coverage of net charge-offs (x) | 5.5155% | 2,650 |
| Efficiency ratio | 63.3812% | 3,232 |
| Assets per employee ($millions) | 6.3300% | 1,315 |
| Cash dividends to net income (ytd only)* | 74.1824% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 803 |
| Loan loss allowance to noncurrent loans | 79.8699% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7200% | 611 |
| Noncurrent loans to loans | 2.1372% | 639 |
| Net loans and leases to total assets | 79.1047% | 1,024 |
| Net loans and leases to deposits | 93.8178% | 1,279 |
| Net loans and leases to core deposits | 101.5996% | 1,589 |
| Total domestic deposits to total assets | 84.3173% | 2,754 |
| Equity capital to assets | 9.9751% | 3,991 |
| Core capital (leverage) ratio | 9.9546% | 3,637 |
| Tier 1 risk-based capital ratio | 12.1015% | 4,358 |
| Total risk-based capital ratio | 13.3566% | 4,244 |
| Memoranda: | ||
| Average total assets | $147,011,000 | 3,388 |
| Average earning assets | $138,951,670 | 3,344 |
| Average equity | $14,741,000 | 3,702 |
| Average total loans | $119,313,000 | 2,995 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 1,451 |
| Cost of funding earning assets | 1.2068% | 886 |
| Net interest margin | 3.7516% | 2,706 |
| Noninterest income to average assets | 0.2739% | 4,049 |
| Noninterest expense to average assets | 2.5208% | 3,443 |
| Loan and lease loss provision to assets | 0.9463% | 91 |
| Net operating income to assets | 0.3680% | 4,798 |
| Return on assets (ROA) | 0.3680% | 4,806 |
| Pretax return on assets | 0.3680% | 4,879 |
| Return on Equity (ROE) | 3.6603% | 4,646 |
| Retained earnings to average equity (ytd only) | -8.2012% | 5,040 |
| Net charge-offs to loans | 0.2614% | 559 |
| Credit loss provision to net charge-offs | 444.1558% | 654 |
| Earnings coverage of net charge-offs (x) | 6.1688% | 2,210 |
| Efficiency ratio | 65.7287% | 2,973 |
| Assets per employee ($millions) | 6.6160% | 1,186 |
| Cash dividends to net income (ytd only)* | 324.0602% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 805 |
| Loan loss allowance to noncurrent loans | 68.1562% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.0756% | 451 |
| Noncurrent loans to loans | 2.5422% | 510 |
| Net loans and leases to total assets | 80.2310% | 806 |
| Net loans and leases to deposits | 96.1610% | 952 |
| Net loans and leases to core deposits | 104.3621% | 1,290 |
| Total domestic deposits to total assets | 83.4340% | 3,244 |
| Equity capital to assets | 9.9587% | 3,866 |
| Core capital (leverage) ratio | 9.9646% | 3,642 |
| Tier 1 risk-based capital ratio | 12.0262% | 4,442 |
| Total risk-based capital ratio | 13.2820% | 4,336 |
| Memoranda: | ||
| Average total assets | $144,557,000 | 3,453 |
| Average earning assets | $137,221,500 | 3,408 |
| Average equity | $14,534,500 | 3,737 |
| Average total loans | $117,838,500 | 3,043 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 1,230 |
| Cost of funding earning assets | 0.9798% | 817 |
| Net interest margin | 3.9410% | 2,191 |
| Noninterest income to average assets | 0.3996% | 3,445 |
| Noninterest expense to average assets | 2.4389% | 3,774 |
| Loan and lease loss provision to assets | 0.1323% | 1,652 |
| Net operating income to assets | 1.5257% | 1,053 |
| Return on assets (ROA) | 1.5257% | 1,035 |
| Pretax return on assets | 1.5272% | 1,688 |
| Return on Equity (ROE) | 15.9553% | 642 |
| Retained earnings to average equity (ytd only) | 13.3738% | 202 |
| Net charge-offs to loans | 0.0053% | 3,523 |
| Credit loss provision to net charge-offs | 3,116.6667% | 159 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 259 |
| Efficiency ratio | 59.5098% | 3,940 |
| Assets per employee ($millions) | 6.2419% | 1,366 |
| Cash dividends to net income (ytd only)* | 16.1799% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,185 |
| Loan loss allowance to noncurrent loans | 407.7273% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,339 |
| Noncurrent loans to loans | 0.3766% | 3,187 |
| Net loans and leases to total assets | 80.1369% | 919 |
| Net loans and leases to deposits | 97.2026% | 960 |
| Net loans and leases to core deposits | 104.0556% | 1,409 |
| Total domestic deposits to total assets | 82.4432% | 3,506 |
| Equity capital to assets | 10.1516% | 3,525 |
| Core capital (leverage) ratio | 10.2744% | 3,281 |
| Tier 1 risk-based capital ratio | 12.2889% | 4,240 |
| Total risk-based capital ratio | 13.5414% | 4,127 |
| Memoranda: | ||
| Average total assets | $141,374,000 | 3,483 |
| Average earning assets | $132,681,200 | 3,456 |
| Average equity | $13,519,000 | 3,813 |
| Average total loans | $114,219,200 | 3,076 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 1,242 |
| Cost of funding earning assets | 0.9230% | 824 |
| Net interest margin | 3.9442% | 2,148 |
| Noninterest income to average assets | 0.4090% | 3,429 |
| Noninterest expense to average assets | 2.5099% | 3,558 |
| Loan and lease loss provision to assets | 0.0246% | 3,525 |
| Net operating income to assets | 1.5622% | 1,041 |
| Return on assets (ROA) | 1.5622% | 1,044 |
| Pretax return on assets | 1.5641% | 1,692 |
| Return on Equity (ROE) | 16.5968% | 600 |
| Retained earnings to average equity (ytd only) | 13.0863% | 348 |
| Net charge-offs to loans | 0.2419% | 705 |
| Credit loss provision to net charge-offs | 12.6214% | 3,047 |
| Earnings coverage of net charge-offs (x) | 8.1456% | 2,743 |
| Efficiency ratio | 61.2382% | 3,625 |
| Assets per employee ($millions) | 6.2157% | 1,339 |
| Cash dividends to net income (ytd only)* | 21.1514% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,342 |
| Loan loss allowance to noncurrent loans | 709.4059% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 4,240 |
| Noncurrent loans to loans | 0.1769% | 4,096 |
| Net loans and leases to total assets | 78.8865% | 1,185 |
| Net loans and leases to deposits | 94.3409% | 1,343 |
| Net loans and leases to core deposits | 102.6094% | 1,553 |
| Total domestic deposits to total assets | 83.6186% | 3,075 |
| Equity capital to assets | 9.7264% | 3,894 |
| Core capital (leverage) ratio | 10.1483% | 3,470 |
| Tier 1 risk-based capital ratio | 11.8450% | 4,581 |
| Total risk-based capital ratio | 13.0248% | 4,511 |
| Memoranda: | ||
| Average total assets | $140,826,750 | 3,531 |
| Average earning assets | $131,735,750 | 3,512 |
| Average equity | $13,255,250 | 3,879 |
| Average total loans | $113,563,750 | 3,109 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 1,252 |
| Cost of funding earning assets | 0.8650% | 852 |
| Net interest margin | 3.9345% | 2,090 |
| Noninterest income to average assets | 0.3526% | 3,806 |
| Noninterest expense to average assets | 2.4922% | 3,652 |
| Loan and lease loss provision to assets | 0.0371% | 3,163 |
| Net operating income to assets | 1.5016% | 1,163 |
| Return on assets (ROA) | 1.5016% | 1,159 |
| Pretax return on assets | 1.5045% | 1,799 |
| Return on Equity (ROE) | 16.1366% | 641 |
| Retained earnings to average equity (ytd only) | 10.7833% | 715 |
| Net charge-offs to loans | 0.0141% | 2,667 |
| Credit loss provision to net charge-offs | 325.0000% | 951 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 566 |
| Efficiency ratio | 61.7834% | 3,655 |
| Assets per employee ($millions) | 5.9406% | 1,507 |
| Cash dividends to net income (ytd only)* | 33.1749% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,711 |
| Loan loss allowance to noncurrent loans | 423.6364% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 3,685 |
| Noncurrent loans to loans | 0.3333% | 3,501 |
| Net loans and leases to total assets | 79.8645% | 1,046 |
| Net loans and leases to deposits | 97.9830% | 970 |
| Net loans and leases to core deposits | 105.8697% | 1,253 |
| Total domestic deposits to total assets | 81.5085% | 3,866 |
| Equity capital to assets | 9.3853% | 4,201 |
| Core capital (leverage) ratio | 9.7574% | 3,834 |
| Tier 1 risk-based capital ratio | 11.1894% | 4,952 |
| Total risk-based capital ratio | 12.4398% | 4,855 |
| Memoranda: | ||
| Average total assets | $140,115,330 | 3,573 |
| Average earning assets | $131,095,670 | 3,535 |
| Average equity | $13,038,670 | 3,929 |
| Average total loans | $113,348,330 | 3,120 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 1,277 |
| Cost of funding earning assets | 0.8047% | 933 |
| Net interest margin | 3.9092% | 2,013 |
| Noninterest income to average assets | 0.3197% | 4,018 |
| Noninterest expense to average assets | 2.5834% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3882% | 1,376 |
| Return on assets (ROA) | 1.3882% | 1,387 |
| Pretax return on assets | 1.3882% | 2,055 |
| Return on Equity (ROE) | 14.9835% | 806 |
| Retained earnings to average equity (ytd only) | 4.1344% | 3,547 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0471% | 3,308 |
| Assets per employee ($millions) | 5.9836% | 1,531 |
| Cash dividends to net income (ytd only)* | 72.4066% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,737 |
| Loan loss allowance to noncurrent loans | 420.0521% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,746 |
| Noncurrent loans to loans | 0.3397% | 3,543 |
| Net loans and leases to total assets | 80.9770% | 796 |
| Net loans and leases to deposits | 96.1287% | 1,026 |
| Net loans and leases to core deposits | 103.9881% | 1,378 |
| Total domestic deposits to total assets | 84.2381% | 3,223 |
| Equity capital to assets | 9.3313% | 4,241 |
| Core capital (leverage) ratio | 9.6729% | 3,877 |
| Tier 1 risk-based capital ratio | 11.1018% | 5,083 |
| Total risk-based capital ratio | 12.3531% | 4,981 |
| Memoranda: | ||
| Average total assets | $138,886,000 | 3,625 |
| Average earning assets | $129,744,000 | 3,592 |
| Average equity | $12,867,500 | 3,984 |
| Average total loans | $112,274,000 | 3,156 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 1,384 |
| Cost of funding earning assets | 0.6208% | 1,464 |
| Net interest margin | 3.9949% | 1,768 |
| Noninterest income to average assets | 0.3939% | 3,676 |
| Noninterest expense to average assets | 2.4600% | 3,914 |
| Loan and lease loss provision to assets | 0.2829% | 624 |
| Net operating income to assets | 1.3551% | 1,108 |
| Return on assets (ROA) | 1.3644% | 1,109 |
| Pretax return on assets | 1.3668% | 2,104 |
| Return on Equity (ROE) | 14.2621% | 726 |
| Retained earnings to average equity (ytd only) | 11.4930% | 211 |
| Net charge-offs to loans | -0.0575% | 5,224 |
| Credit loss provision to net charge-offs | -624.1379% | 4,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9962% | 4,267 |
| Assets per employee ($millions) | 6.0934% | 1,460 |
| Cash dividends to net income (ytd only)* | 19.4158% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 1,595 |
| Loan loss allowance to noncurrent loans | 261.8506% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 3,112 |
| Noncurrent loans to loans | 0.5525% | 2,841 |
| Net loans and leases to total assets | 78.4016% | 1,231 |
| Net loans and leases to deposits | 92.9146% | 1,397 |
| Net loans and leases to core deposits | 101.2383% | 1,612 |
| Total domestic deposits to total assets | 84.3802% | 3,074 |
| Equity capital to assets | 9.1995% | 4,529 |
| Core capital (leverage) ratio | 9.7110% | 3,800 |
| Tier 1 risk-based capital ratio | 10.9707% | 5,164 |
| Total risk-based capital ratio | 12.2216% | 5,041 |
| Memoranda: | ||
| Average total assets | $127,965,600 | 3,776 |
| Average earning assets | $118,726,000 | 3,769 |
| Average equity | $12,242,200 | 4,105 |
| Average total loans | $100,859,400 | 3,336 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 1,450 |
| Cost of funding earning assets | 0.5679% | 1,755 |
| Net interest margin | 4.0015% | 1,697 |
| Noninterest income to average assets | 0.4045% | 3,654 |
| Noninterest expense to average assets | 2.4730% | 3,814 |
| Loan and lease loss provision to assets | 0.0427% | 3,248 |
| Net operating income to assets | 1.6085% | 700 |
| Return on assets (ROA) | 1.6213% | 703 |
| Pretax return on assets | 1.6245% | 1,332 |
| Return on Equity (ROE) | 16.7663% | 456 |
| Retained earnings to average equity (ytd only) | 13.0245% | 219 |
| Net charge-offs to loans | -0.0787% | 5,312 |
| Credit loss provision to net charge-offs | -68.9655% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9172% | 4,234 |
| Assets per employee ($millions) | 5.8037% | 1,652 |
| Cash dividends to net income (ytd only)* | 22.3174% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,930 |
| Loan loss allowance to noncurrent loans | 203.9494% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 3,147 |
| Noncurrent loans to loans | 0.5886% | 2,936 |
| Net loans and leases to total assets | 79.6015% | 1,045 |
| Net loans and leases to deposits | 95.0301% | 1,197 |
| Net loans and leases to core deposits | 104.2277% | 1,375 |
| Total domestic deposits to total assets | 83.7645% | 3,206 |
| Equity capital to assets | 9.6378% | 4,308 |
| Core capital (leverage) ratio | 10.0454% | 3,519 |
| Tier 1 risk-based capital ratio | 11.1328% | 5,169 |
| Total risk-based capital ratio | 12.2505% | 5,137 |
| Memoranda: | ||
| Average total assets | $124,919,750 | 3,864 |
| Average earning assets | $116,219,750 | 3,856 |
| Average equity | $12,079,500 | 4,161 |
| Average total loans | $98,201,250 | 3,409 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 1,413 |
| Cost of funding earning assets | 0.5302% | 1,911 |
| Net interest margin | 4.0104% | 1,572 |
| Noninterest income to average assets | 0.4080% | 3,640 |
| Noninterest expense to average assets | 2.4512% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6696% | 598 |
| Return on assets (ROA) | 1.6696% | 620 |
| Pretax return on assets | 1.6745% | 1,117 |
| Return on Equity (ROE) | 17.2454% | 389 |
| Retained earnings to average equity (ytd only) | 11.5082% | 371 |
| Net charge-offs to loans | -0.1220% | 5,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4122% | 4,406 |
| Assets per employee ($millions) | 5.6685% | 1,729 |
| Cash dividends to net income (ytd only)* | 33.2679% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,652 |
| Loan loss allowance to noncurrent loans | 488.6719% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 4,223 |
| Noncurrent loans to loans | 0.2569% | 4,121 |
| Net loans and leases to total assets | 78.8963% | 1,109 |
| Net loans and leases to deposits | 94.5194% | 1,222 |
| Net loans and leases to core deposits | 102.7776% | 1,449 |
| Total domestic deposits to total assets | 83.4710% | 3,413 |
| Equity capital to assets | 9.9480% | 3,973 |
| Core capital (leverage) ratio | 10.0829% | 3,426 |
| Tier 1 risk-based capital ratio | 10.4045% | 5,506 |
| Total risk-based capital ratio | 11.4577% | 5,509 |
| Memoranda: | ||
| Average total assets | $122,064,670 | 3,931 |
| Average earning assets | $113,156,000 | 3,923 |
| Average equity | $11,817,670 | 4,217 |
| Average total loans | $95,086,000 | 3,471 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 1,633 |
| Cost of funding earning assets | 0.5039% | 2,059 |
| Net interest margin | 3.9015% | 1,773 |
| Noninterest income to average assets | 0.3611% | 3,953 |
| Noninterest expense to average assets | 2.5608% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3881% | 1,023 |
| Return on assets (ROA) | 1.3881% | 1,054 |
| Pretax return on assets | 1.3914% | 1,920 |
| Return on Equity (ROE) | 14.5442% | 717 |
| Retained earnings to average equity (ytd only) | 2.7769% | 4,019 |
| Net charge-offs to loans | -0.0043% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7946% | 3,701 |
| Assets per employee ($millions) | 6.0136% | 1,503 |
| Cash dividends to net income (ytd only)* | 80.9069% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,769 |
| Loan loss allowance to noncurrent loans | 466.4063% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 4,264 |
| Noncurrent loans to loans | 0.2697% | 4,141 |
| Net loans and leases to total assets | 77.9217% | 1,146 |
| Net loans and leases to deposits | 88.0841% | 1,786 |
| Net loans and leases to core deposits | 92.9641% | 2,069 |
| Total domestic deposits to total assets | 88.4628% | 1,451 |
| Equity capital to assets | 9.6739% | 4,098 |
| Core capital (leverage) ratio | 9.9465% | 3,570 |
| Tier 1 risk-based capital ratio | 10.1890% | 5,652 |
| Total risk-based capital ratio | 11.2237% | 5,677 |
| Memoranda: | ||
| Average total assets | $120,743,000 | 3,986 |
| Average earning assets | $111,136,500 | 3,996 |
| Average equity | $11,523,500 | 4,302 |
| Average total loans | $92,808,500 | 3,539 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 1,419 |
| Cost of funding earning assets | 0.4956% | 2,120 |
| Net interest margin | 4.0479% | 1,502 |
| Noninterest income to average assets | 0.5204% | 3,096 |
| Noninterest expense to average assets | 2.5590% | 3,813 |
| Loan and lease loss provision to assets | 0.1235% | 2,004 |
| Net operating income to assets | 1.5493% | 764 |
| Return on assets (ROA) | 1.5520% | 783 |
| Pretax return on assets | 1.5529% | 1,421 |
| Return on Equity (ROE) | 15.4805% | 565 |
| Retained earnings to average equity (ytd only) | 12.9080% | 171 |
| Net charge-offs to loans | -0.1894% | 5,728 |
| Credit loss provision to net charge-offs | -85.4430% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4581% | 4,516 |
| Assets per employee ($millions) | 5.7721% | 1,643 |
| Cash dividends to net income (ytd only)* | 16.6176% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 2,461 |
| Loan loss allowance to noncurrent loans | 2,840.4762% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 5,090 |
| Noncurrent loans to loans | 0.0463% | 5,059 |
| Net loans and leases to total assets | 73.8463% | 1,874 |
| Net loans and leases to deposits | 83.3344% | 2,496 |
| Net loans and leases to core deposits | 87.8068% | 2,693 |
| Total domestic deposits to total assets | 88.6144% | 1,317 |
| Equity capital to assets | 9.4148% | 4,358 |
| Core capital (leverage) ratio | 10.1250% | 3,335 |
| Tier 1 risk-based capital ratio | 10.3457% | 5,640 |
| Total risk-based capital ratio | 11.4025% | 5,648 |
| Memoranda: | ||
| Average total assets | $109,340,400 | 4,176 |
| Average earning assets | $100,273,400 | 4,198 |
| Average equity | $10,962,200 | 4,429 |
| Average total loans | $83,439,200 | 3,729 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 1,290 |
| Cost of funding earning assets | 0.4882% | 2,191 |
| Net interest margin | 4.1138% | 1,360 |
| Noninterest income to average assets | 0.4913% | 3,313 |
| Noninterest expense to average assets | 2.5708% | 3,761 |
| Loan and lease loss provision to assets | 0.1128% | 2,044 |
| Net operating income to assets | 1.5981% | 734 |
| Return on assets (ROA) | 1.6019% | 768 |
| Pretax return on assets | 1.6031% | 1,368 |
| Return on Equity (ROE) | 15.7051% | 581 |
| Retained earnings to average equity (ytd only) | 12.2396% | 278 |
| Net charge-offs to loans | -0.2581% | 5,815 |
| Credit loss provision to net charge-offs | -56.9620% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0234% | 4,535 |
| Assets per employee ($millions) | 5.8083% | 1,574 |
| Cash dividends to net income (ytd only)* | 22.0657% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,539 |
| Loan loss allowance to noncurrent loans | 2,669.7674% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 5,136 |
| Noncurrent loans to loans | 0.0497% | 5,162 |
| Net loans and leases to total assets | 73.4455% | 1,959 |
| Net loans and leases to deposits | 83.3387% | 2,567 |
| Net loans and leases to core deposits | 88.0393% | 2,757 |
| Total domestic deposits to total assets | 88.1290% | 1,340 |
| Equity capital to assets | 9.8885% | 4,258 |
| Core capital (leverage) ratio | 10.2141% | 3,320 |
| Tier 1 risk-based capital ratio | 10.3731% | 5,668 |
| Total risk-based capital ratio | 11.4308% | 5,679 |
| Memoranda: | ||
| Average total assets | $106,372,000 | 4,272 |
| Average earning assets | $98,042,250 | 4,272 |
| Average equity | $10,849,750 | 4,489 |
| Average total loans | $81,622,750 | 3,787 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,156 |
| Cost of funding earning assets | 0.4754% | 2,312 |
| Net interest margin | 4.1783% | 1,161 |
| Noninterest income to average assets | 0.3899% | 3,952 |
| Noninterest expense to average assets | 2.5643% | 3,838 |
| Loan and lease loss provision to assets | 0.1746% | 1,263 |
| Net operating income to assets | 1.5188% | 862 |
| Return on assets (ROA) | 1.5246% | 899 |
| Pretax return on assets | 1.5266% | 1,599 |
| Return on Equity (ROE) | 14.7781% | 703 |
| Retained earnings to average equity (ytd only) | 9.4761% | 726 |
| Net charge-offs to loans | -0.3500% | 5,906 |
| Credit loss provision to net charge-offs | -64.2857% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2004% | 4,617 |
| Assets per employee ($millions) | 5.9206% | 1,455 |
| Cash dividends to net income (ytd only)* | 35.8779% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 2,531 |
| Loan loss allowance to noncurrent loans | 2,568.1818% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 5,182 |
| Noncurrent loans to loans | 0.0526% | 5,250 |
| Net loans and leases to total assets | 77.4770% | 1,260 |
| Net loans and leases to deposits | 92.9757% | 1,396 |
| Net loans and leases to core deposits | 98.7762% | 1,746 |
| Total domestic deposits to total assets | 83.3304% | 3,532 |
| Equity capital to assets | 10.3189% | 3,833 |
| Core capital (leverage) ratio | 10.2017% | 3,334 |
| Tier 1 risk-based capital ratio | 10.2234% | 5,782 |
| Total risk-based capital ratio | 11.2964% | 5,783 |
| Memoranda: | ||
| Average total assets | $103,107,670 | 4,365 |
| Average earning assets | $95,494,330 | 4,353 |
| Average equity | $10,637,330 | 4,544 |
| Average total loans | $80,008,330 | 3,841 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 1,298 |
| Cost of funding earning assets | 0.4561% | 2,516 |
| Net interest margin | 4.1304% | 1,260 |
| Noninterest income to average assets | 0.3670% | 4,100 |
| Noninterest expense to average assets | 2.6239% | 3,676 |
| Loan and lease loss provision to assets | 0.1776% | 1,147 |
| Net operating income to assets | 1.3889% | 1,062 |
| Return on assets (ROA) | 1.4007% | 1,092 |
| Pretax return on assets | 1.4007% | 1,903 |
| Return on Equity (ROE) | 13.5788% | 913 |
| Retained earnings to average equity (ytd only) | 2.7923% | 4,118 |
| Net charge-offs to loans | -0.0051% | 4,298 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6177% | 4,354 |
| Assets per employee ($millions) | 5.4381% | 1,883 |
| Cash dividends to net income (ytd only)* | 79.4366% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 3,734 |
| Loan loss allowance to noncurrent loans | 2,102.2222% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 5,216 |
| Noncurrent loans to loans | 0.0549% | 5,267 |
| Net loans and leases to total assets | 78.3555% | 1,053 |
| Net loans and leases to deposits | 93.9909% | 1,147 |
| Net loans and leases to core deposits | 100.0457% | 1,482 |
| Total domestic deposits to total assets | 83.3649% | 3,765 |
| Equity capital to assets | 10.1912% | 3,852 |
| Core capital (leverage) ratio | 10.4136% | 3,058 |
| Tier 1 risk-based capital ratio | 9.9366% | 5,921 |
| Total risk-based capital ratio | 10.8459% | 5,968 |
| Memoranda: | ||
| Average total assets | $101,376,000 | 4,443 |
| Average earning assets | $93,841,000 | 4,429 |
| Average equity | $10,457,500 | 4,588 |
| Average total loans | $78,163,500 | 3,912 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,285 |
| Cost of funding earning assets | 0.4864% | 2,300 |
| Net interest margin | 4.1335% | 1,327 |
| Noninterest income to average assets | 0.5126% | 3,242 |
| Noninterest expense to average assets | 2.5811% | 3,987 |
| Loan and lease loss provision to assets | 0.1831% | 1,230 |
| Net operating income to assets | 1.5086% | 851 |
| Return on assets (ROA) | 1.5172% | 868 |
| Pretax return on assets | 1.5183% | 1,497 |
| Return on Equity (ROE) | 13.8395% | 873 |
| Retained earnings to average equity (ytd only) | 3.7226% | 3,400 |
| Net charge-offs to loans | 0.2241% | 1,321 |
| Credit loss provision to net charge-offs | 110.3896% | 2,289 |
| Earnings coverage of net charge-offs (x) | 10.2078% | 2,716 |
| Efficiency ratio | 60.3930% | 4,859 |
| Assets per employee ($millions) | 5.8487% | 1,497 |
| Cash dividends to net income (ytd only)* | 73.1015% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 3,423 |
| Loan loss allowance to noncurrent loans | 242.5876% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 3,902 |
| Noncurrent loans to loans | 0.4985% | 3,696 |
| Net loans and leases to total assets | 73.9440% | 1,741 |
| Net loans and leases to deposits | 82.8443% | 2,492 |
| Net loans and leases to core deposits | 85.2852% | 2,849 |
| Total domestic deposits to total assets | 89.2565% | 990 |
| Equity capital to assets | 10.4447% | 3,431 |
| Core capital (leverage) ratio | 10.7602% | 2,650 |
| Tier 1 risk-based capital ratio | 10.5047% | 5,775 |
| Total risk-based capital ratio | 11.4259% | 5,829 |
| Memoranda: | ||
| Average total assets | $92,866,000 | 4,608 |
| Average earning assets | $84,504,800 | 4,623 |
| Average equity | $10,181,000 | 4,627 |
| Average total loans | $68,721,000 | 4,128 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 1,283 |
| Cost of funding earning assets | 0.4965% | 2,246 |
| Net interest margin | 4.1246% | 1,339 |
| Noninterest income to average assets | 0.4370% | 3,821 |
| Noninterest expense to average assets | 2.5767% | 3,958 |
| Loan and lease loss provision to assets | 0.0146% | 3,978 |
| Net operating income to assets | 1.5960% | 776 |
| Return on assets (ROA) | 1.6077% | 784 |
| Pretax return on assets | 1.6092% | 1,355 |
| Return on Equity (ROE) | 14.4781% | 816 |
| Retained earnings to average equity (ytd only) | 0.9213% | 5,341 |
| Net charge-offs to loans | 0.0515% | 2,872 |
| Credit loss provision to net charge-offs | 38.4615% | 3,177 |
| Earnings coverage of net charge-offs (x) | 42.4179% | 1,181 |
| Efficiency ratio | 61.5143% | 4,644 |
| Assets per employee ($millions) | 5.5199% | 1,771 |
| Cash dividends to net income (ytd only)* | 93.6364% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 3,503 |
| Loan loss allowance to noncurrent loans | 340.3922% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 4,452 |
| Noncurrent loans to loans | 0.3605% | 4,324 |
| Net loans and leases to total assets | 74.4445% | 1,652 |
| Net loans and leases to deposits | 83.6903% | 2,442 |
| Net loans and leases to core deposits | 86.3094% | 2,820 |
| Total domestic deposits to total assets | 88.9524% | 1,048 |
| Equity capital to assets | 10.7972% | 3,243 |
| Core capital (leverage) ratio | 10.6994% | 2,826 |
| Tier 1 risk-based capital ratio | 10.8781% | 5,721 |
| Total risk-based capital ratio | 11.8267% | 5,780 |
| Memoranda: | ||
| Average total assets | $91,225,500 | 4,694 |
| Average earning assets | $82,980,000 | 4,715 |
| Average equity | $10,130,000 | 4,693 |
| Average total loans | $67,296,000 | 4,195 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 1,317 |
| Cost of funding earning assets | 0.5051% | 2,205 |
| Net interest margin | 4.0795% | 1,412 |
| Noninterest income to average assets | 0.5689% | 2,911 |
| Noninterest expense to average assets | 2.5433% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7265% | 599 |
| Return on assets (ROA) | 1.7310% | 620 |
| Pretax return on assets | 1.7310% | 1,021 |
| Return on Equity (ROE) | 15.4403% | 672 |
| Retained earnings to average equity (ytd only) | -2.7248% | 5,896 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5645% | 5,039 |
| Assets per employee ($millions) | 5.4927% | 1,747 |
| Cash dividends to net income (ytd only)* | 117.6471% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 3,572 |
| Loan loss allowance to noncurrent loans | 341.3127% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 4,541 |
| Noncurrent loans to loans | 0.3629% | 4,409 |
| Net loans and leases to total assets | 75.4916% | 1,439 |
| Net loans and leases to deposits | 87.9653% | 1,841 |
| Net loans and leases to core deposits | 91.1620% | 2,229 |
| Total domestic deposits to total assets | 85.8197% | 2,786 |
| Equity capital to assets | 10.5455% | 3,392 |
| Core capital (leverage) ratio | 10.6923% | 2,743 |
| Tier 1 risk-based capital ratio | 10.6925% | 5,846 |
| Total risk-based capital ratio | 11.6624% | 5,897 |
| Memoranda: | ||
| Average total assets | $90,354,330 | 4,759 |
| Average earning assets | $81,971,670 | 4,778 |
| Average equity | $10,129,330 | 4,720 |
| Average total loans | $66,152,670 | 4,269 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,439 |
| Cost of funding earning assets | 0.5230% | 2,076 |
| Net interest margin | 3.9829% | 1,615 |
| Noninterest income to average assets | 0.5358% | 3,050 |
| Noninterest expense to average assets | 2.5123% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5893% | 722 |
| Return on assets (ROA) | 1.5893% | 759 |
| Pretax return on assets | 1.5893% | 1,294 |
| Return on Equity (ROE) | 13.7481% | 927 |
| Retained earnings to average equity (ytd only) | 13.7481% | 377 |
| Net charge-offs to loans | -0.0063% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2514% | 4,926 |
| Assets per employee ($millions) | 5.2964% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 2,893 |
| Loan loss allowance to noncurrent loans | 273.9938% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 4,362 |
| Noncurrent loans to loans | 0.5126% | 4,038 |
| Net loans and leases to total assets | 68.9990% | 2,286 |
| Net loans and leases to deposits | 78.3499% | 2,753 |
| Net loans and leases to core deposits | 81.5591% | 2,999 |
| Total domestic deposits to total assets | 88.0652% | 1,784 |
| Equity capital to assets | 11.6450% | 2,341 |
| Core capital (leverage) ratio | 11.2419% | 2,197 |
| Tier 1 risk-based capital ratio | 12.0004% | 5,238 |
| Total risk-based capital ratio | 13.0380% | 5,276 |
| Memoranda: | ||
| Average total assets | $88,843,500 | 4,841 |
| Average earning assets | $79,540,000 | 4,877 |
| Average equity | $10,270,500 | 4,729 |
| Average total loans | $63,541,500 | 4,376 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 1,207 |
| Cost of funding earning assets | 0.5761% | 1,993 |
| Net interest margin | 4.1729% | 1,379 |
| Noninterest income to average assets | 0.8382% | 1,722 |
| Noninterest expense to average assets | 2.6516% | 4,041 |
| Loan and lease loss provision to assets | 0.1185% | 2,196 |
| Net operating income to assets | 1.7852% | 488 |
| Return on assets (ROA) | 1.7877% | 501 |
| Pretax return on assets | 1.7877% | 816 |
| Return on Equity (ROE) | 15.9431% | 629 |
| Retained earnings to average equity (ytd only) | 15.9431% | 126 |
| Net charge-offs to loans | 0.1303% | 2,712 |
| Credit loss provision to net charge-offs | 125.9740% | 1,901 |
| Earnings coverage of net charge-offs (x) | 20.2338% | 1,734 |
| Efficiency ratio | 58.2082% | 5,434 |
| Assets per employee ($millions) | 5.4780% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 3,050 |
| Loan loss allowance to noncurrent loans | 563.0573% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 5,062 |
| Noncurrent loans to loans | 0.2450% | 4,954 |
| Net loans and leases to total assets | 72.0929% | 1,895 |
| Net loans and leases to deposits | 81.7819% | 2,502 |
| Net loans and leases to core deposits | 84.5981% | 2,836 |
| Total domestic deposits to total assets | 88.1526% | 1,682 |
| Equity capital to assets | 11.4732% | 2,449 |
| Core capital (leverage) ratio | 11.4366% | 2,029 |
| Tier 1 risk-based capital ratio | 11.8428% | 5,466 |
| Total risk-based capital ratio | 12.8589% | 5,518 |
| Memoranda: | ||
| Average total assets | $81,838,200 | 5,017 |
| Average earning assets | $72,899,200 | 5,073 |
| Average equity | $9,176,400 | 4,929 |
| Average total loans | $59,101,400 | 4,517 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 1,213 |
| Cost of funding earning assets | 0.5883% | 1,942 |
| Net interest margin | 4.1501% | 1,434 |
| Noninterest income to average assets | 0.5573% | 3,150 |
| Noninterest expense to average assets | 2.6206% | 4,124 |
| Loan and lease loss provision to assets | 0.1609% | 1,547 |
| Net operating income to assets | 1.4613% | 1,006 |
| Return on assets (ROA) | 1.4646% | 1,041 |
| Pretax return on assets | 1.4646% | 1,759 |
| Return on Equity (ROE) | 13.1446% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.1446% | 317 |
| Net charge-offs to loans | 0.0645% | 3,281 |
| Credit loss provision to net charge-offs | 346.4286% | 810 |
| Earnings coverage of net charge-offs (x) | 34.9309% | 1,238 |
| Efficiency ratio | 61.7670% | 4,922 |
| Assets per employee ($millions) | 5.2696% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 2,363 |
| Loan loss allowance to noncurrent loans | 108.9953% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.4102% | 2,190 |
| Noncurrent loans to loans | 1.4520% | 2,241 |
| Net loans and leases to total assets | 68.8174% | 2,409 |
| Net loans and leases to deposits | 77.8464% | 2,968 |
| Net loans and leases to core deposits | 82.0308% | 3,099 |
| Total domestic deposits to total assets | 88.4016% | 1,552 |
| Equity capital to assets | 11.2355% | 2,718 |
| Core capital (leverage) ratio | 11.6095% | 1,972 |
| Tier 1 risk-based capital ratio | 11.8100% | 5,604 |
| Total risk-based capital ratio | 12.8254% | 5,673 |
| Memoranda: | ||
| Average total assets | $80,385,750 | 5,114 |
| Average earning assets | $71,385,500 | 5,154 |
| Average equity | $8,956,500 | 5,021 |
| Average total loans | $57,858,750 | 4,600 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 1,267 |
| Cost of funding earning assets | 0.6047% | 1,866 |
| Net interest margin | 4.1034% | 1,499 |
| Noninterest income to average assets | 0.5463% | 3,157 |
| Noninterest expense to average assets | 2.6329% | 4,120 |
| Loan and lease loss provision to assets | 0.2453% | 905 |
| Net operating income to assets | 1.3582% | 1,166 |
| Return on assets (ROA) | 1.3582% | 1,211 |
| Pretax return on assets | 1.3582% | 2,047 |
| Return on Equity (ROE) | 12.2263% | 1,363 |
| Retained earnings to average equity (ytd only) | 12.2263% | 400 |
| Net charge-offs to loans | -0.0035% | 5,120 |
| Credit loss provision to net charge-offs | -9,700.0000% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1493% | 4,988 |
| Assets per employee ($millions) | 5.3179% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 2,420 |
| Loan loss allowance to noncurrent loans | 133.4258% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5131% | 2,153 |
| Noncurrent loans to loans | 1.2076% | 2,820 |
| Net loans and leases to total assets | 73.6436% | 1,484 |
| Net loans and leases to deposits | 83.4633% | 2,089 |
| Net loans and leases to core deposits | 88.2108% | 2,291 |
| Total domestic deposits to total assets | 88.2346% | 1,765 |
| Equity capital to assets | 11.4432% | 2,471 |
| Core capital (leverage) ratio | 11.0301% | 2,393 |
| Tier 1 risk-based capital ratio | 11.3939% | 5,857 |
| Total risk-based capital ratio | 12.4116% | 5,917 |
| Memoranda: | ||
| Average total assets | $79,076,670 | 5,178 |
| Average earning assets | $71,112,330 | 5,201 |
| Average equity | $8,784,330 | 5,088 |
| Average total loans | $57,493,330 | 4,639 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 1,355 |
| Cost of funding earning assets | 0.6359% | 1,682 |
| Net interest margin | 4.0213% | 1,677 |
| Noninterest income to average assets | 0.4268% | 3,972 |
| Noninterest expense to average assets | 2.4946% | 4,639 |
| Loan and lease loss provision to assets | 0.3658% | 471 |
| Net operating income to assets | 1.1330% | 1,687 |
| Return on assets (ROA) | 1.1330% | 1,754 |
| Pretax return on assets | 1.1330% | 2,759 |
| Return on Equity (ROE) | 10.3570% | 1,917 |
| Retained earnings to average equity (ytd only) | 10.3570% | 885 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4682% | 5,065 |
| Assets per employee ($millions) | 5.5226% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 2,572 |
| Loan loss allowance to noncurrent loans | 84.7059% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 2.0111% | 1,694 |
| Noncurrent loans to loans | 1.9266% | 1,956 |
| Net loans and leases to total assets | 68.1080% | 2,207 |
| Net loans and leases to deposits | 76.4571% | 2,759 |
| Net loans and leases to core deposits | 80.3040% | 2,933 |
| Total domestic deposits to total assets | 89.0800% | 1,606 |
| Equity capital to assets | 10.5627% | 3,189 |
| Core capital (leverage) ratio | 10.7503% | 2,653 |
| Tier 1 risk-based capital ratio | 11.3484% | 5,995 |
| Total risk-based capital ratio | 12.3764% | 6,059 |
| Memoranda: | ||
| Average total assets | $78,731,000 | 5,237 |
| Average earning assets | $69,827,500 | 5,275 |
| Average equity | $8,612,500 | 5,146 |
| Average total loans | $56,387,000 | 4,713 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 1,021 |
| Cost of funding earning assets | 0.6759% | 1,992 |
| Net interest margin | 4.2650% | 1,184 |
| Noninterest income to average assets | 0.0526% | 6,545 |
| Noninterest expense to average assets | 2.8953% | 3,384 |
| Loan and lease loss provision to assets | 0.8917% | 219 |
| Net operating income to assets | 0.0389% | 6,149 |
| Return on assets (ROA) | 0.0443% | 6,188 |
| Pretax return on assets | 0.0457% | 6,163 |
| Return on Equity (ROE) | 0.3626% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.3626% | 5,686 |
| Net charge-offs to loans | 1.3264% | 375 |
| Credit loss provision to net charge-offs | 92.2636% | 2,699 |
| Earnings coverage of net charge-offs (x) | 0.9642% | 4,760 |
| Efficiency ratio | 75.6512% | 2,834 |
| Assets per employee ($millions) | 4.9749% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 2,922 |
| Loan loss allowance to noncurrent loans | 233.5135% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 2,925 |
| Noncurrent loans to loans | 0.6677% | 4,306 |
| Net loans and leases to total assets | 73.1061% | 1,505 |
| Net loans and leases to deposits | 82.8824% | 2,082 |
| Net loans and leases to core deposits | 87.9237% | 2,255 |
| Total domestic deposits to total assets | 88.2047% | 2,052 |
| Equity capital to assets | 11.3571% | 2,283 |
| Core capital (leverage) ratio | 11.1751% | 2,219 |
| Tier 1 risk-based capital ratio | 11.7974% | 5,746 |
| Total risk-based capital ratio | 12.8257% | 5,805 |
| Memoranda: | ||
| Average total assets | $72,220,400 | 5,413 |
| Average earning assets | $63,915,200 | 5,471 |
| Average equity | $8,825,200 | 5,133 |
| Average total loans | $52,624,000 | 4,860 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 968 |
| Cost of funding earning assets | 0.6863% | 2,044 |
| Net interest margin | 4.2999% | 1,095 |
| Noninterest income to average assets | 0.2066% | 5,939 |
| Noninterest expense to average assets | 2.8762% | 3,389 |
| Loan and lease loss provision to assets | 0.1191% | 2,809 |
| Net operating income to assets | 0.9885% | 2,421 |
| Return on assets (ROA) | 0.9960% | 2,478 |
| Pretax return on assets | 0.9978% | 3,511 |
| Return on Equity (ROE) | 8.0034% | 3,120 |
| Retained earnings to average equity (ytd only) | 8.0034% | 1,405 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1625% | 3,375 |
| Assets per employee ($millions) | 4.7332% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 2,156 |
| Loan loss allowance to noncurrent loans | 265.4054% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 2.3108% | 1,708 |
| Noncurrent loans to loans | 0.6956% | 4,462 |
| Net loans and leases to total assets | 68.9427% | 2,151 |
| Net loans and leases to deposits | 78.6275% | 2,569 |
| Net loans and leases to core deposits | 82.3569% | 2,839 |
| Total domestic deposits to total assets | 87.6827% | 2,308 |
| Equity capital to assets | 11.9502% | 1,947 |
| Core capital (leverage) ratio | 12.3433% | 1,496 |
| Tier 1 risk-based capital ratio | 12.7887% | 5,262 |
| Total risk-based capital ratio | 13.8525% | 5,333 |
| Memoranda: | ||
| Average total assets | $71,619,750 | 5,485 |
| Average earning assets | $62,945,500 | 5,565 |
| Average equity | $8,912,750 | 5,159 |
| Average total loans | $51,925,500 | 4,934 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 935 |
| Cost of funding earning assets | 0.6957% | 2,093 |
| Net interest margin | 4.2867% | 1,057 |
| Noninterest income to average assets | 0.6320% | 3,009 |
| Noninterest expense to average assets | 2.9466% | 3,179 |
| Loan and lease loss provision to assets | 0.1822% | 2,085 |
| Net operating income to assets | 1.3068% | 1,309 |
| Return on assets (ROA) | 1.3182% | 1,356 |
| Pretax return on assets | 1.3210% | 2,229 |
| Return on Equity (ROE) | 10.4432% | 2,028 |
| Retained earnings to average equity (ytd only) | 10.4432% | 755 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3887% | 4,478 |
| Assets per employee ($millions) | 4.8187% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7972% | 2,442 |
| Loan loss allowance to noncurrent loans | 265.4054% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 2.9953% | 1,351 |
| Noncurrent loans to loans | 0.6771% | 4,585 |
| Net loans and leases to total assets | 74.2391% | 1,215 |
| Net loans and leases to deposits | 87.2634% | 1,433 |
| Net loans and leases to core deposits | 92.3723% | 1,672 |
| Total domestic deposits to total assets | 85.0747% | 3,857 |
| Equity capital to assets | 12.3893% | 1,643 |
| Core capital (leverage) ratio | 12.4196% | 1,402 |
| Tier 1 risk-based capital ratio | 12.8975% | 5,223 |
| Total risk-based capital ratio | 13.9737% | 5,278 |
| Memoranda: | ||
| Average total assets | $70,249,330 | 5,561 |
| Average earning assets | $62,379,670 | 5,613 |
| Average equity | $8,867,000 | 5,206 |
| Average total loans | $51,503,000 | 4,964 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 1,135 |
| Cost of funding earning assets | 0.7185% | 2,072 |
| Net interest margin | 4.1607% | 1,300 |
| Noninterest income to average assets | 0.6702% | 2,756 |
| Noninterest expense to average assets | 2.8483% | 3,547 |
| Loan and lease loss provision to assets | 0.1907% | 1,931 |
| Net operating income to assets | 1.3115% | 1,252 |
| Return on assets (ROA) | 1.3346% | 1,294 |
| Pretax return on assets | 1.3346% | 2,105 |
| Return on Equity (ROE) | 10.4726% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.4726% | 993 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4714% | 4,749 |
| Assets per employee ($millions) | 4.6360% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8512% | 2,444 |
| Loan loss allowance to noncurrent loans | 223.2394% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 3.2370% | 1,346 |
| Noncurrent loans to loans | 0.8292% | 4,465 |
| Net loans and leases to total assets | 72.5079% | 1,281 |
| Net loans and leases to deposits | 83.5922% | 1,642 |
| Net loans and leases to core deposits | 87.0576% | 2,005 |
| Total domestic deposits to total assets | 86.7400% | 3,110 |
| Equity capital to assets | 12.8300% | 1,512 |
| Core capital (leverage) ratio | 12.7588% | 1,214 |
| Tier 1 risk-based capital ratio | 13.3086% | 5,003 |
| Total risk-based capital ratio | 14.3721% | 5,082 |
| Memoranda: | ||
| Average total assets | $69,234,000 | 5,647 |
| Average earning assets | $61,239,500 | 5,703 |
| Average equity | $8,823,000 | 5,269 |
| Average total loans | $49,933,500 | 5,063 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 1,354 |
| Cost of funding earning assets | 0.9725% | 1,510 |
| Net interest margin | 4.1062% | 1,979 |
| Noninterest income to average assets | 0.6518% | 2,981 |
| Noninterest expense to average assets | 3.0379% | 3,141 |
| Loan and lease loss provision to assets | 0.1158% | 4,179 |
| Net operating income to assets | 1.0765% | 2,024 |
| Return on assets (ROA) | 1.1135% | 2,068 |
| Pretax return on assets | 1.1151% | 3,103 |
| Return on Equity (ROE) | 8.6362% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.6362% | 932 |
| Net charge-offs to loans | 0.9995% | 1,094 |
| Credit loss provision to net charge-offs | 16.8539% | 5,315 |
| Earnings coverage of net charge-offs (x) | 1.7371% | 4,565 |
| Efficiency ratio | 71.7883% | 3,458 |
| Assets per employee ($millions) | 4.5952% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 2,314 |
| Loan loss allowance to noncurrent loans | 194.0803% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 3.3339% | 1,378 |
| Noncurrent loans to loans | 0.9754% | 4,241 |
| Net loans and leases to total assets | 69.0227% | 2,031 |
| Net loans and leases to deposits | 79.9691% | 2,285 |
| Net loans and leases to core deposits | 82.6517% | 2,702 |
| Total domestic deposits to total assets | 86.3118% | 3,195 |
| Equity capital to assets | 12.6567% | 1,610 |
| Core capital (leverage) ratio | 12.5687% | 1,298 |
| Tier 1 risk-based capital ratio | 13.9018% | 4,447 |
| Total risk-based capital ratio | 15.0056% | 4,515 |
| Memoranda: | ||
| Average total assets | $64,748,200 | 5,792 |
| Average earning assets | $56,450,600 | 5,851 |
| Average equity | $8,348,600 | 5,408 |
| Average total loans | $44,521,000 | 5,305 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 1,519 |
| Cost of funding earning assets | 1.0175% | 1,462 |
| Net interest margin | 4.0459% | 2,309 |
| Noninterest income to average assets | 0.5881% | 3,359 |
| Noninterest expense to average assets | 3.0202% | 3,165 |
| Loan and lease loss provision to assets | 0.0105% | 5,675 |
| Net operating income to assets | 1.0842% | 2,153 |
| Return on assets (ROA) | 1.0842% | 2,351 |
| Pretax return on assets | 1.0863% | 3,403 |
| Return on Equity (ROE) | 8.3667% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.3667% | 1,454 |
| Net charge-offs to loans | 1.1609% | 863 |
| Credit loss provision to net charge-offs | 1.3193% | 5,149 |
| Earnings coverage of net charge-offs (x) | 1.3826% | 4,605 |
| Efficiency ratio | 73.3604% | 3,091 |
| Assets per employee ($millions) | 4.4360% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 2,123 |
| Loan loss allowance to noncurrent loans | 72.8868% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 3.6279% | 1,374 |
| Noncurrent loans to loans | 2.7661% | 2,038 |
| Net loans and leases to total assets | 66.7568% | 2,511 |
| Net loans and leases to deposits | 77.1207% | 2,791 |
| Net loans and leases to core deposits | 80.1660% | 3,186 |
| Total domestic deposits to total assets | 86.5615% | 2,940 |
| Equity capital to assets | 12.8960% | 1,644 |
| Core capital (leverage) ratio | 12.5841% | 1,369 |
| Tier 1 risk-based capital ratio | 14.9224% | 3,904 |
| Total risk-based capital ratio | 16.0475% | 3,938 |
| Memoranda: | ||
| Average total assets | $63,703,250 | 5,889 |
| Average earning assets | $55,561,500 | 5,946 |
| Average equity | $8,254,750 | 5,486 |
| Average total loans | $43,527,750 | 5,412 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 1,387 |
| Cost of funding earning assets | 1.0521% | 1,456 |
| Net interest margin | 4.0946% | 2,118 |
| Noninterest income to average assets | 0.5545% | 3,558 |
| Noninterest expense to average assets | 3.0849% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0262% | 2,354 |
| Return on assets (ROA) | 1.0262% | 2,577 |
| Pretax return on assets | 1.0294% | 3,600 |
| Return on Equity (ROE) | 7.9057% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.9057% | 1,676 |
| Net charge-offs to loans | 1.6494% | 562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.9124% | 4,581 |
| Efficiency ratio | 74.9806% | 2,899 |
| Assets per employee ($millions) | 5.0467% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1996% | 1,770 |
| Loan loss allowance to noncurrent loans | 70.0675% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 4.0133% | 1,266 |
| Noncurrent loans to loans | 3.1392% | 1,864 |
| Net loans and leases to total assets | 63.2996% | 3,181 |
| Net loans and leases to deposits | 73.0771% | 3,444 |
| Net loans and leases to core deposits | 76.8316% | 3,678 |
| Total domestic deposits to total assets | 86.6203% | 3,000 |
| Equity capital to assets | 12.6541% | 1,718 |
| Core capital (leverage) ratio | 12.5429% | 1,334 |
| Tier 1 risk-based capital ratio | 15.4404% | 3,481 |
| Total risk-based capital ratio | 16.5756% | 3,523 |
| Memoranda: | ||
| Average total assets | $62,757,670 | 5,955 |
| Average earning assets | $54,559,670 | 6,015 |
| Average equity | $8,146,000 | 5,526 |
| Average total loans | $42,925,670 | 5,475 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 1,335 |
| Cost of funding earning assets | 1.0619% | 1,609 |
| Net interest margin | 4.1297% | 1,993 |
| Noninterest income to average assets | 0.8283% | 2,041 |
| Noninterest expense to average assets | 3.0131% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4674% | 1,090 |
| Return on assets (ROA) | 1.4674% | 1,219 |
| Pretax return on assets | 1.4674% | 1,973 |
| Return on Equity (ROE) | 11.1552% | 1,958 |
| Retained earnings to average equity (ytd only) | 11.1552% | 992 |
| Net charge-offs to loans | -0.0185% | 6,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2489% | 4,312 |
| Assets per employee ($millions) | 4.7119% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9160% | 899 |
| Loan loss allowance to noncurrent loans | 88.8430% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 4.0340% | 1,360 |
| Noncurrent loans to loans | 3.2822% | 1,946 |
| Net loans and leases to total assets | 70.1151% | 1,734 |
| Net loans and leases to deposits | 82.3914% | 1,877 |
| Net loans and leases to core deposits | 87.1229% | 2,163 |
| Total domestic deposits to total assets | 85.1000% | 3,988 |
| Equity capital to assets | 13.3654% | 1,291 |
| Core capital (leverage) ratio | 12.9209% | 1,151 |
| Tier 1 risk-based capital ratio | 15.3891% | 3,504 |
| Total risk-based capital ratio | 16.5487% | 3,513 |
| Memoranda: | ||
| Average total assets | $61,333,000 | 6,027 |
| Average earning assets | $54,241,000 | 6,058 |
| Average equity | $8,068,000 | 5,573 |
| Average total loans | $43,157,000 | 5,500 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5205% | 1,119 |
| Cost of funding earning assets | 1.3379% | 1,307 |
| Net interest margin | 4.1827% | 2,117 |
| Noninterest income to average assets | 0.5625% | 3,409 |
| Noninterest expense to average assets | 3.2151% | 2,809 |
| Loan and lease loss provision to assets | 0.8858% | 1,089 |
| Net operating income to assets | 0.1735% | 5,664 |
| Return on assets (ROA) | 0.1996% | 5,721 |
| Pretax return on assets | 0.2013% | 5,785 |
| Return on Equity (ROE) | 1.5398% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.5398% | 5,113 |
| Net charge-offs to loans | 1.2308% | 1,359 |
| Credit loss provision to net charge-offs | 98.7132% | 3,634 |
| Earnings coverage of net charge-offs (x) | 1.1820% | 4,903 |
| Efficiency ratio | 75.1929% | 3,033 |
| Assets per employee ($millions) | 5.1176% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0612% | 771 |
| Loan loss allowance to noncurrent loans | 94.0833% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 4.0400% | 1,419 |
| Noncurrent loans to loans | 3.2537% | 1,990 |
| Net loans and leases to total assets | 66.4164% | 2,707 |
| Net loans and leases to deposits | 76.8233% | 3,035 |
| Net loans and leases to core deposits | 83.2116% | 2,994 |
| Total domestic deposits to total assets | 86.4536% | 3,054 |
| Equity capital to assets | 12.9439% | 1,519 |
| Core capital (leverage) ratio | 12.5977% | 1,308 |
| Tier 1 risk-based capital ratio | 15.4768% | 3,341 |
| Total risk-based capital ratio | 16.6474% | 3,343 |
| Memoranda: | ||
| Average total assets | $60,620,800 | 6,017 |
| Average earning assets | $53,817,400 | 6,051 |
| Average equity | $7,858,200 | 5,613 |
| Average total loans | $44,197,200 | 5,507 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5837% | 1,072 |
| Cost of funding earning assets | 1.3941% | 1,255 |
| Net interest margin | 4.1896% | 2,143 |
| Noninterest income to average assets | 0.4810% | 4,034 |
| Noninterest expense to average assets | 3.1621% | 2,957 |
| Loan and lease loss provision to assets | 0.5605% | 1,752 |
| Net operating income to assets | 0.4899% | 4,582 |
| Return on assets (ROA) | 0.5252% | 4,612 |
| Pretax return on assets | 0.5274% | 5,053 |
| Return on Equity (ROE) | 4.0499% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.0499% | 3,845 |
| Net charge-offs to loans | 1.0165% | 1,584 |
| Credit loss provision to net charge-offs | 74.4868% | 4,341 |
| Earnings coverage of net charge-offs (x) | 1.3988% | 4,577 |
| Efficiency ratio | 75.0262% | 2,994 |
| Assets per employee ($millions) | 5.5063% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6681% | 1,167 |
| Loan loss allowance to noncurrent loans | 73.7935% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 4.3256% | 1,399 |
| Noncurrent loans to loans | 3.6157% | 1,897 |
| Net loans and leases to total assets | 72.7550% | 1,557 |
| Net loans and leases to deposits | 84.5248% | 1,916 |
| Net loans and leases to core deposits | 91.7451% | 2,031 |
| Total domestic deposits to total assets | 86.0754% | 3,178 |
| Equity capital to assets | 13.3864% | 1,418 |
| Core capital (leverage) ratio | 12.7795% | 1,312 |
| Tier 1 risk-based capital ratio | 15.3036% | 3,490 |
| Total risk-based capital ratio | 16.4894% | 3,488 |
| Memoranda: | ||
| Average total assets | $60,423,250 | 6,072 |
| Average earning assets | $53,846,000 | 6,102 |
| Average equity | $7,835,500 | 5,650 |
| Average total loans | $44,727,750 | 5,530 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 1,078 |
| Cost of funding earning assets | 1.4747% | 1,089 |
| Net interest margin | 4.1218% | 2,335 |
| Noninterest income to average assets | 0.3412% | 5,150 |
| Noninterest expense to average assets | 3.2033% | 2,885 |
| Loan and lease loss provision to assets | 0.7089% | 1,331 |
| Net operating income to assets | 0.0861% | 6,048 |
| Return on assets (ROA) | 0.0861% | 6,126 |
| Pretax return on assets | 0.0861% | 6,125 |
| Return on Equity (ROE) | 0.6714% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.6714% | 5,585 |
| Net charge-offs to loans | 1.5131% | 977 |
| Credit loss provision to net charge-offs | 63.5015% | 4,253 |
| Earnings coverage of net charge-offs (x) | 0.7122% | 4,758 |
| Efficiency ratio | 80.1160% | 2,372 |
| Assets per employee ($millions) | 5.5262% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6597% | 1,228 |
| Loan loss allowance to noncurrent loans | 380.8442% | 845 |
| Noncurrent assets plus other real estate owned to assets | 2.1567% | 3,040 |
| Noncurrent loans to loans | 0.6984% | 5,512 |
| Net loans and leases to total assets | 70.6225% | 2,086 |
| Net loans and leases to deposits | 82.0920% | 2,443 |
| Net loans and leases to core deposits | 87.8867% | 2,658 |
| Total domestic deposits to total assets | 86.0285% | 3,309 |
| Equity capital to assets | 12.8858% | 1,579 |
| Core capital (leverage) ratio | 12.5164% | 1,349 |
| Tier 1 risk-based capital ratio | 15.7714% | 3,095 |
| Total risk-based capital ratio | 16.9867% | 3,089 |
| Memoranda: | ||
| Average total assets | $60,374,670 | 6,126 |
| Average earning assets | $53,569,000 | 6,160 |
| Average equity | $7,744,670 | 5,686 |
| Average total loans | $44,545,330 | 5,586 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 1,060 |
| Cost of funding earning assets | 1.5353% | 1,031 |
| Net interest margin | 4.0619% | 2,423 |
| Noninterest income to average assets | 0.2393% | 5,991 |
| Noninterest expense to average assets | 3.0049% | 3,631 |
| Loan and lease loss provision to assets | 0.3989% | 2,201 |
| Net operating income to assets | 0.4587% | 4,665 |
| Return on assets (ROA) | 0.4587% | 4,756 |
| Pretax return on assets | 0.4587% | 5,153 |
| Return on Equity (ROE) | 3.5842% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.5842% | 4,035 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7969% | 2,876 |
| Assets per employee ($millions) | 5.4469% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0765% | 852 |
| Loan loss allowance to noncurrent loans | 78.9627% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 4.4229% | 1,472 |
| Noncurrent loans to loans | 3.8961% | 1,886 |
| Net loans and leases to total assets | 71.2481% | 1,872 |
| Net loans and leases to deposits | 82.3842% | 2,296 |
| Net loans and leases to core deposits | 88.7192% | 2,517 |
| Total domestic deposits to total assets | 86.4827% | 3,244 |
| Equity capital to assets | 12.9031% | 1,425 |
| Core capital (leverage) ratio | 12.5889% | 1,289 |
| Tier 1 risk-based capital ratio | 15.7170% | 3,045 |
| Total risk-based capital ratio | 16.9383% | 3,022 |
| Memoranda: | ||
| Average total assets | $60,168,000 | 6,182 |
| Average earning assets | $53,669,500 | 6,209 |
| Average equity | $7,700,500 | 5,708 |
| Average total loans | $44,766,500 | 5,624 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8083% | 1,258 |
| Cost of funding earning assets | 1.8781% | 917 |
| Net interest margin | 3.9302% | 3,344 |
| Noninterest income to average assets | 0.4338% | 4,646 |
| Noninterest expense to average assets | 2.8954% | 4,245 |
| Loan and lease loss provision to assets | 2.1474% | 589 |
| Net operating income to assets | -1.0421% | 6,707 |
| Return on assets (ROA) | -1.0421% | 6,740 |
| Pretax return on assets | -1.0405% | 6,664 |
| Return on Equity (ROE) | -7.7394% | 6,607 |
| Retained earnings to average equity (ytd only) | -7.7394% | 6,515 |
| Net charge-offs to loans | 1.9627% | 1,036 |
| Credit loss provision to net charge-offs | 139.2241% | 2,735 |
| Earnings coverage of net charge-offs (x) | 0.7177% | 5,394 |
| Efficiency ratio | 72.3422% | 3,729 |
| Assets per employee ($millions) | 5.4927% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8468% | 1,002 |
| Loan loss allowance to noncurrent loans | 75.4662% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 4.3860% | 1,523 |
| Noncurrent loans to loans | 3.7723% | 1,965 |
| Net loans and leases to total assets | 73.1447% | 1,840 |
| Net loans and leases to deposits | 84.3719% | 2,393 |
| Net loans and leases to core deposits | 92.6635% | 2,424 |
| Total domestic deposits to total assets | 86.6931% | 2,984 |
| Equity capital to assets | 12.6945% | 1,533 |
| Core capital (leverage) ratio | 12.3032% | 1,388 |
| Tier 1 risk-based capital ratio | 14.7069% | 3,422 |
| Total risk-based capital ratio | 15.9253% | 3,403 |
| Memoranda: | ||
| Average total assets | $60,165,400 | 6,190 |
| Average earning assets | $54,628,600 | 6,190 |
| Average equity | $8,101,400 | 5,684 |
| Average total loans | $47,280,800 | 5,590 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8221% | 1,335 |
| Cost of funding earning assets | 1.9667% | 839 |
| Net interest margin | 3.8554% | 3,730 |
| Noninterest income to average assets | 0.3971% | 4,979 |
| Noninterest expense to average assets | 2.8152% | 4,418 |
| Loan and lease loss provision to assets | 2.0587% | 570 |
| Net operating income to assets | -0.9739% | 6,890 |
| Return on assets (ROA) | -0.9739% | 6,927 |
| Pretax return on assets | -0.9717% | 6,841 |
| Return on Equity (ROE) | -7.1300% | 6,793 |
| Retained earnings to average equity (ytd only) | -7.1300% | 6,721 |
| Net charge-offs to loans | 2.3465% | 749 |
| Credit loss provision to net charge-offs | 110.4762% | 3,828 |
| Earnings coverage of net charge-offs (x) | 0.5833% | 5,436 |
| Efficiency ratio | 72.1433% | 3,664 |
| Assets per employee ($millions) | 5.0456% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2419% | 1,715 |
| Loan loss allowance to noncurrent loans | 46.8966% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 4.4445% | 1,525 |
| Noncurrent loans to loans | 4.7804% | 1,471 |
| Net loans and leases to total assets | 73.4603% | 1,921 |
| Net loans and leases to deposits | 85.2428% | 2,478 |
| Net loans and leases to core deposits | 96.7860% | 2,170 |
| Total domestic deposits to total assets | 86.1777% | 2,988 |
| Equity capital to assets | 13.1865% | 1,498 |
| Core capital (leverage) ratio | 12.9986% | 1,233 |
| Tier 1 risk-based capital ratio | 15.1908% | 3,162 |
| Total risk-based capital ratio | 16.3597% | 3,181 |
| Memoranda: | ||
| Average total assets | $60,101,750 | 6,266 |
| Average earning assets | $54,640,750 | 6,257 |
| Average equity | $8,209,250 | 5,729 |
| Average total loans | $47,728,750 | 5,651 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8725% | 1,249 |
| Cost of funding earning assets | 2.0858% | 695 |
| Net interest margin | 3.7867% | 3,951 |
| Noninterest income to average assets | 0.3102% | 5,683 |
| Noninterest expense to average assets | 2.6888% | 4,955 |
| Loan and lease loss provision to assets | 2.0016% | 614 |
| Net operating income to assets | -0.9341% | 6,916 |
| Return on assets (ROA) | -0.9341% | 6,934 |
| Pretax return on assets | -0.9341% | 6,857 |
| Return on Equity (ROE) | -6.7598% | 6,821 |
| Retained earnings to average equity (ytd only) | -6.7598% | 6,720 |
| Net charge-offs to loans | 2.9666% | 537 |
| Credit loss provision to net charge-offs | 83.4492% | 4,612 |
| Earnings coverage of net charge-offs (x) | 0.4451% | 5,274 |
| Efficiency ratio | 71.5808% | 3,877 |
| Assets per employee ($millions) | 5.9281% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 3,068 |
| Loan loss allowance to noncurrent loans | 29.3502% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 5.0084% | 1,283 |
| Noncurrent loans to loans | 5.7986% | 1,118 |
| Net loans and leases to total assets | 79.2109% | 915 |
| Net loans and leases to deposits | 92.9161% | 1,400 |
| Net loans and leases to core deposits | 103.6052% | 1,678 |
| Total domestic deposits to total assets | 85.2499% | 3,490 |
| Equity capital to assets | 13.7143% | 1,267 |
| Core capital (leverage) ratio | 12.7852% | 1,290 |
| Tier 1 risk-based capital ratio | 15.6665% | 2,819 |
| Total risk-based capital ratio | 16.8739% | 2,806 |
| Memoranda: | ||
| Average total assets | $59,953,330 | 6,306 |
| Average earning assets | $54,559,670 | 6,304 |
| Average equity | $8,284,330 | 5,700 |
| Average total loans | $48,472,330 | 5,667 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9135% | 1,174 |
| Cost of funding earning assets | 2.0880% | 845 |
| Net interest margin | 3.8255% | 3,684 |
| Noninterest income to average assets | 0.2588% | 6,081 |
| Noninterest expense to average assets | 2.6605% | 5,100 |
| Loan and lease loss provision to assets | 0.8293% | 1,527 |
| Net operating income to assets | 0.2455% | 5,514 |
| Return on assets (ROA) | 0.2455% | 5,634 |
| Pretax return on assets | 0.2455% | 5,757 |
| Return on Equity (ROE) | 1.7700% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.7700% | 5,053 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2256% | 4,078 |
| Assets per employee ($millions) | 6.0611% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1704% | 1,815 |
| Loan loss allowance to noncurrent loans | 40.1901% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 4.6675% | 1,423 |
| Noncurrent loans to loans | 5.4004% | 1,308 |
| Net loans and leases to total assets | 78.6045% | 1,037 |
| Net loans and leases to deposits | 94.6631% | 1,275 |
| Net loans and leases to core deposits | 109.8575% | 1,282 |
| Total domestic deposits to total assets | 83.0361% | 4,606 |
| Equity capital to assets | 13.8358% | 1,196 |
| Core capital (leverage) ratio | 13.5731% | 1,063 |
| Tier 1 risk-based capital ratio | 15.7359% | 2,759 |
| Total risk-based capital ratio | 16.9523% | 2,726 |
| Memoranda: | ||
| Average total assets | $60,289,500 | 6,366 |
| Average earning assets | $54,790,000 | 6,367 |
| Average equity | $8,361,500 | 5,725 |
| Average total loans | $48,823,500 | 5,720 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8845% | 2,304 |
| Cost of funding earning assets | 2.5292% | 950 |
| Net interest margin | 3.3553% | 5,542 |
| Noninterest income to average assets | -0.0166% | 7,734 |
| Noninterest expense to average assets | 2.7996% | 4,978 |
| Loan and lease loss provision to assets | 1.0277% | 2,219 |
| Net operating income to assets | -0.7774% | 6,422 |
| Return on assets (ROA) | -0.7774% | 6,420 |
| Pretax return on assets | -0.7741% | 6,251 |
| Return on Equity (ROE) | -5.5062% | 6,266 |
| Retained earnings to average equity (ytd only) | -5.5062% | 6,089 |
| Net charge-offs to loans | 0.2818% | 4,869 |
| Credit loss provision to net charge-offs | 466.1654% | 664 |
| Earnings coverage of net charge-offs (x) | 1.1504% | 4,970 |
| Efficiency ratio | 91.6938% | 1,591 |
| Assets per employee ($millions) | 5.9968% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9041% | 2,256 |
| Loan loss allowance to noncurrent loans | 40.4163% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 4.1772% | 1,561 |
| Noncurrent loans to loans | 4.7112% | 1,484 |
| Net loans and leases to total assets | 80.0677% | 983 |
| Net loans and leases to deposits | 98.4721% | 1,055 |
| Net loans and leases to core deposits | 123.6767% | 1,662 |
| Total domestic deposits to total assets | 81.3100% | 5,230 |
| Equity capital to assets | 13.9024% | 1,198 |
| Core capital (leverage) ratio | 13.3591% | 1,135 |
| Tier 1 risk-based capital ratio | 16.3651% | 2,367 |
| Total risk-based capital ratio | 17.6424% | 2,309 |
| Memoranda: | ||
| Average total assets | $60,330,800 | 6,338 |
| Average earning assets | $55,196,200 | 6,326 |
| Average equity | $8,517,600 | 5,761 |
| Average total loans | $47,195,600 | 5,797 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8329% | 2,735 |
| Cost of funding earning assets | 2.5980% | 1,039 |
| Net interest margin | 3.2349% | 5,898 |
| Noninterest income to average assets | -0.0132% | 7,867 |
| Noninterest expense to average assets | 2.8025% | 4,889 |
| Loan and lease loss provision to assets | 1.2865% | 1,494 |
| Net operating income to assets | -1.1431% | 6,927 |
| Return on assets (ROA) | -1.1431% | 6,933 |
| Pretax return on assets | -1.1431% | 6,788 |
| Return on Equity (ROE) | -8.0657% | 6,737 |
| Retained earnings to average equity (ytd only) | -8.0657% | 6,610 |
| Net charge-offs to loans | 0.0941% | 5,736 |
| Credit loss provision to net charge-offs | 1,766.6667% | 220 |
| Earnings coverage of net charge-offs (x) | 1.9695% | 4,340 |
| Efficiency ratio | 95.1311% | 1,321 |
| Assets per employee ($millions) | 6.1175% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 1,704 |
| Loan loss allowance to noncurrent loans | 41.3549% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 4.2942% | 1,443 |
| Noncurrent loans to loans | 4.9388% | 1,356 |
| Net loans and leases to total assets | 78.0074% | 1,569 |
| Net loans and leases to deposits | 95.7964% | 1,604 |
| Net loans and leases to core deposits | 124.3188% | 1,876 |
| Total domestic deposits to total assets | 81.4303% | 4,903 |
| Equity capital to assets | 13.5284% | 1,487 |
| Core capital (leverage) ratio | 13.0600% | 1,358 |
| Tier 1 risk-based capital ratio | 16.2066% | 2,555 |
| Total risk-based capital ratio | 17.4853% | 2,483 |
| Memoranda: | ||
| Average total assets | $60,421,500 | 6,376 |
| Average earning assets | $55,271,500 | 6,370 |
| Average equity | $8,562,750 | 5,797 |
| Average total loans | $46,757,750 | 5,860 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9215% | 2,491 |
| Cost of funding earning assets | 2.6674% | 1,118 |
| Net interest margin | 3.2541% | 5,721 |
| Noninterest income to average assets | 0.0632% | 7,672 |
| Noninterest expense to average assets | 2.8120% | 4,909 |
| Loan and lease loss provision to assets | 0.5152% | 2,961 |
| Net operating income to assets | -0.2958% | 6,322 |
| Return on assets (ROA) | -0.2958% | 6,336 |
| Pretax return on assets | -0.2958% | 6,231 |
| Return on Equity (ROE) | -2.0558% | 6,232 |
| Retained earnings to average equity (ytd only) | -2.0558% | 5,761 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7632% | 1,586 |
| Assets per employee ($millions) | 6.2129% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,632 |
| Loan loss allowance to noncurrent loans | 33.3890% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 3.5925% | 1,725 |
| Noncurrent loans to loans | 3.7333% | 1,857 |
| Net loans and leases to total assets | 76.5102% | 2,054 |
| Net loans and leases to deposits | 94.3623% | 2,035 |
| Net loans and leases to core deposits | 135.8958% | 1,216 |
| Total domestic deposits to total assets | 81.0813% | 5,049 |
| Equity capital to assets | 13.8792% | 1,351 |
| Core capital (leverage) ratio | 13.8526% | 1,177 |
| Tier 1 risk-based capital ratio | 16.9797% | 2,308 |
| Total risk-based capital ratio | 18.1796% | 2,273 |
| Memoranda: | ||
| Average total assets | $60,170,330 | 6,439 |
| Average earning assets | $54,885,000 | 6,433 |
| Average equity | $8,658,330 | 5,795 |
| Average total loans | $46,105,000 | 5,928 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7646% | 3,459 |
| Cost of funding earning assets | 2.6793% | 1,326 |
| Net interest margin | 3.0853% | 6,237 |
| Noninterest income to average assets | 0.0541% | 7,809 |
| Noninterest expense to average assets | 2.7774% | 4,666 |
| Loan and lease loss provision to assets | 0.2703% | 3,798 |
| Net operating income to assets | -0.1689% | 6,508 |
| Return on assets (ROA) | -0.1689% | 6,603 |
| Pretax return on assets | -0.1689% | 6,539 |
| Return on Equity (ROE) | -1.1526% | 6,566 |
| Retained earnings to average equity (ytd only) | -1.1526% | 5,927 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4789% | 1,295 |
| Assets per employee ($millions) | 6.0272% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 5,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 5,353 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.9170% | 2,521 |
| Net loans and leases to deposits | 93.6630% | 2,328 |
| Net loans and leases to core deposits | 141.0754% | 1,060 |
| Total domestic deposits to total assets | 79.9857% | 5,377 |
| Equity capital to assets | 14.4097% | 1,254 |
| Core capital (leverage) ratio | 14.6478% | 1,046 |
| Tier 1 risk-based capital ratio | 17.7672% | 2,108 |
| Total risk-based capital ratio | 18.7745% | 2,123 |
| Memoranda: | ||
| Average total assets | $59,191,000 | 6,501 |
| Average earning assets | $54,193,000 | 6,489 |
| Average equity | $8,676,000 | 5,820 |
| Average total loans | $45,090,000 | 6,010 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4370% | 3,240 |
| Cost of funding earning assets | 3.0262% | 1,776 |
| Net interest margin | 3.4108% | 5,618 |
| Noninterest income to average assets | 0.2220% | 6,854 |
| Noninterest expense to average assets | 3.6260% | 2,086 |
| Loan and lease loss provision to assets | 1.1769% | 1,229 |
| Net operating income to assets | -1.5325% | 7,479 |
| Return on assets (ROA) | -1.5325% | 7,424 |
| Pretax return on assets | -1.5325% | 7,271 |
| Return on Equity (ROE) | -7.1921% | 7,061 |
| Retained earnings to average equity (ytd only) | -7.1921% | 6,803 |
| Net charge-offs to loans | 0.5413% | 2,202 |
| Credit loss provision to net charge-offs | 284.9711% | 1,598 |
| Earnings coverage of net charge-offs (x) | -0.8613% | 6,571 |
| Efficiency ratio | 110.8759% | 691 |
| Assets per employee ($millions) | 5.8110% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 4,977 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.8837% | 2,657 |
| Net loans and leases to deposits | 99.2438% | 1,954 |
| Net loans and leases to core deposits | 147.9037% | 941 |
| Total domestic deposits to total assets | 76.4619% | 6,129 |
| Equity capital to assets | 14.9148% | 1,184 |
| Core capital (leverage) ratio | 15.2161% | 975 |
| Tier 1 risk-based capital ratio | 18.0828% | 2,018 |
| Total risk-based capital ratio | 19.0228% | 2,038 |
| Memoranda: | ||
| Average total assets | $41,891,400 | 7,134 |
| Average earning assets | $37,439,600 | 7,176 |
| Average equity | $8,926,400 | 5,762 |
| Average total loans | $31,960,200 | 6,607 |