Home > Security Bank Minnesota > Performance and Condition Ratios
Security Bank Minnesota, 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 | 6.1580% | 983 |
| Cost of funding earning assets | 1.7205% | 2,677 |
| Net interest margin | 4.4375% | 700 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 2.8106% | 1,499 |
| Loan and lease loss provision to assets | 0.8200% | 107 |
| Net operating income to assets | 0.9115% | 2,535 |
| Return on assets (ROA) | 0.9115% | 2,545 |
| Pretax return on assets | 0.9115% | 2,933 |
| Return on Equity (ROE) | 9.3700% | 2,505 |
| Retained earnings to average equity (ytd only) | -8.8146% | 4,220 |
| Net charge-offs to loans | 0.5211% | 262 |
| Credit loss provision to net charge-offs | 204.0816% | 887 |
| Earnings coverage of net charge-offs (x) | 4.3265% | 1,971 |
| Efficiency ratio | 60.9347% | 2,841 |
| Assets per employee ($millions) | 5.9689% | 2,954 |
| Cash dividends to net income (ytd only)* | 194.0299% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,000 |
| Loan loss allowance to noncurrent loans | 64.6581% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5185% | 401 |
| Noncurrent loans to loans | 1.9119% | 459 |
| Net loans and leases to total assets | 72.3900% | 1,543 |
| Net loans and leases to deposits | 84.9697% | 1,595 |
| Net loans and leases to core deposits | 90.5605% | 2,015 |
| Total domestic deposits to total assets | 85.1900% | 2,569 |
| Equity capital to assets | 9.4959% | 2,577 |
| Core capital (leverage) ratio | 9.6651% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6377% | 1,993 |
| Memoranda: | ||
| Average total assets | $147,014,000 | 3,384 |
| Average earning assets | $142,513,000 | 3,324 |
| Average equity | $14,294,500 | 3,434 |
| Average total loans | $112,833,000 | 3,103 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0833% | 1,183 |
| Cost of funding earning assets | 1.7391% | 2,872 |
| Net interest margin | 4.3442% | 782 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 3.1332% | 958 |
| Loan and lease loss provision to assets | 0.7900% | 105 |
| Net operating income to assets | 0.4569% | 3,574 |
| Return on assets (ROA) | 0.4569% | 3,592 |
| Pretax return on assets | 0.4569% | 3,718 |
| Return on Equity (ROE) | 4.5700% | 3,593 |
| Retained earnings to average equity (ytd only) | -9.7471% | 4,388 |
| Net charge-offs to loans | 1.5056% | 95 |
| Credit loss provision to net charge-offs | 63.2247% | 2,257 |
| Earnings coverage of net charge-offs (x) | 1.0105% | 2,941 |
| Efficiency ratio | 70.5214% | 1,923 |
| Assets per employee ($millions) | 5.7922% | 3,038 |
| Cash dividends to net income (ytd only)* | 313.4328% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,052 |
| Loan loss allowance to noncurrent loans | 39.3244% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 2.1056% | 180 |
| Noncurrent loans to loans | 2.6217% | 251 |
| Net loans and leases to total assets | 79.4900% | 726 |
| Net loans and leases to deposits | 93.5825% | 895 |
| Net loans and leases to core deposits | 99.7098% | 1,467 |
| Total domestic deposits to total assets | 84.9400% | 2,556 |
| Equity capital to assets | 9.9575% | 2,158 |
| Core capital (leverage) ratio | 10.0237% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9087% | 2,253 |
| Memoranda: | ||
| Average total assets | $146,655,600 | 3,388 |
| Average earning assets | $142,259,000 | 3,319 |
| Average equity | $14,671,000 | 3,354 |
| Average total loans | $120,282,600 | 2,994 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0827% | 1,153 |
| Cost of funding earning assets | 1.7222% | 2,907 |
| Net interest margin | 4.3605% | 754 |
| Noninterest income to average assets | 0.1400% | 4,042 |
| Noninterest expense to average assets | 2.8566% | 1,360 |
| Loan and lease loss provision to assets | 0.9100% | 78 |
| Net operating income to assets | 0.6054% | 3,203 |
| Return on assets (ROA) | 0.6054% | 3,234 |
| Pretax return on assets | 0.6054% | 3,458 |
| Return on Equity (ROE) | 6.0400% | 3,307 |
| Retained earnings to average equity (ytd only) | -12.9584% | 4,454 |
| Net charge-offs to loans | 1.4819% | 90 |
| Credit loss provision to net charge-offs | 73.0712% | 1,905 |
| Earnings coverage of net charge-offs (x) | 1.2374% | 2,687 |
| Efficiency ratio | 64.3983% | 2,667 |
| Assets per employee ($millions) | 5.7567% | 3,069 |
| Cash dividends to net income (ytd only)* | 314.3713% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 1,715 |
| Loan loss allowance to noncurrent loans | 42.0728% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 2.4806% | 127 |
| Noncurrent loans to loans | 3.0906% | 188 |
| Net loans and leases to total assets | 79.2200% | 729 |
| Net loans and leases to deposits | 93.9110% | 862 |
| Net loans and leases to core deposits | 99.7471% | 1,491 |
| Total domestic deposits to total assets | 84.3500% | 2,500 |
| Equity capital to assets | 10.0829% | 2,243 |
| Core capital (leverage) ratio | 9.8853% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1548% | 2,194 |
| Memoranda: | ||
| Average total assets | $147,118,250 | 3,386 |
| Average earning assets | $142,763,000 | 3,320 |
| Average equity | $14,734,000 | 3,354 |
| Average total loans | $121,278,750 | 2,979 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1556% | 962 |
| Cost of funding earning assets | 1.6701% | 2,928 |
| Net interest margin | 4.4855% | 640 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 2.8343% | 1,391 |
| Loan and lease loss provision to assets | 0.9400% | 75 |
| Net operating income to assets | 0.7437% | 2,808 |
| Return on assets (ROA) | 0.7437% | 2,823 |
| Pretax return on assets | 0.7437% | 3,130 |
| Return on Equity (ROE) | 7.4400% | 2,896 |
| Retained earnings to average equity (ytd only) | -20.9207% | 4,505 |
| Net charge-offs to loans | 1.2013% | 108 |
| Credit loss provision to net charge-offs | 93.9189% | 1,556 |
| Earnings coverage of net charge-offs (x) | 1.6838% | 2,451 |
| Efficiency ratio | 61.8051% | 3,020 |
| Assets per employee ($millions) | 5.8508% | 2,923 |
| Cash dividends to net income (ytd only)* | 381.1252% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,043 |
| Loan loss allowance to noncurrent loans | 56.8395% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 2.1891% | 155 |
| Noncurrent loans to loans | 2.6530% | 235 |
| Net loans and leases to total assets | 81.2700% | 550 |
| Net loans and leases to deposits | 96.1041% | 789 |
| Net loans and leases to core deposits | 100.5217% | 1,450 |
| Total domestic deposits to total assets | 84.5600% | 2,445 |
| Equity capital to assets | 9.7935% | 2,200 |
| Core capital (leverage) ratio | 9.6077% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6148% | 2,384 |
| Memoranda: | ||
| Average total assets | $148,185,333 | 3,384 |
| Average earning assets | $143,706,333 | 3,320 |
| Average equity | $14,808,333 | 3,337 |
| Average total loans | $123,201,667 | 2,962 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1162% | 922 |
| Cost of funding earning assets | 1.6079% | 2,966 |
| Net interest margin | 4.5083% | 578 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 2.8805% | 1,286 |
| Loan and lease loss provision to assets | 0.4600% | 174 |
| Net operating income to assets | 1.1264% | 1,595 |
| Return on assets (ROA) | 1.1264% | 1,605 |
| Pretax return on assets | 1.1264% | 2,068 |
| Return on Equity (ROE) | 11.1600% | 1,804 |
| Retained earnings to average equity (ytd only) | -44.6512% | 4,517 |
| Net charge-offs to loans | 1.1795% | 83 |
| Credit loss provision to net charge-offs | 46.3215% | 1,406 |
| Earnings coverage of net charge-offs (x) | 1.6076% | 2,041 |
| Efficiency ratio | 63.5817% | 2,866 |
| Assets per employee ($millions) | 6.2702% | 2,618 |
| Cash dividends to net income (ytd only)* | 500.0000% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 1,617 |
| Loan loss allowance to noncurrent loans | 163.8507% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 928 |
| Noncurrent loans to loans | 0.8165% | 1,077 |
| Net loans and leases to total assets | 81.7400% | 441 |
| Net loans and leases to deposits | 96.2489% | 698 |
| Net loans and leases to core deposits | 100.3189% | 1,401 |
| Total domestic deposits to total assets | 84.9300% | 2,432 |
| Equity capital to assets | 9.4369% | 2,369 |
| Core capital (leverage) ratio | 9.5091% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1042% | 2,552 |
| Memoranda: | ||
| Average total assets | $149,143,000 | 3,384 |
| Average earning assets | $144,533,500 | 3,319 |
| Average equity | $15,050,000 | 3,324 |
| Average total loans | $124,455,500 | 2,954 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 1,036 |
| Cost of funding earning assets | 1.0513% | 3,192 |
| Net interest margin | 4.5450% | 571 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 3.0748% | 998 |
| Loan and lease loss provision to assets | 0.4200% | 228 |
| Net operating income to assets | 1.4395% | 1,139 |
| Return on assets (ROA) | 1.4395% | 1,108 |
| Pretax return on assets | 1.4395% | 1,554 |
| Return on Equity (ROE) | 13.7400% | 1,546 |
| Retained earnings to average equity (ytd only) | 0.7161% | 3,896 |
| Net charge-offs to loans | 0.6456% | 153 |
| Credit loss provision to net charge-offs | 76.1548% | 2,047 |
| Earnings coverage of net charge-offs (x) | 3.3958% | 2,646 |
| Efficiency ratio | 61.4778% | 2,909 |
| Assets per employee ($millions) | 6.1584% | 2,683 |
| Cash dividends to net income (ytd only)* | 94.7867% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,048 |
| Loan loss allowance to noncurrent loans | 289.5963% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 1,270 |
| Noncurrent loans to loans | 0.5184% | 1,497 |
| Net loans and leases to total assets | 82.7900% | 363 |
| Net loans and leases to deposits | 99.1380% | 586 |
| Net loans and leases to core deposits | 103.7245% | 1,233 |
| Total domestic deposits to total assets | 83.5100% | 2,749 |
| Equity capital to assets | 10.7570% | 1,602 |
| Core capital (leverage) ratio | 10.8144% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5343% | 2,051 |
| Memoranda: | ||
| Average total assets | $146,576,400 | 3,400 |
| Average earning assets | $142,111,600 | 3,321 |
| Average equity | $15,360,000 | 3,236 |
| Average total loans | $124,071,600 | 2,915 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4826% | 1,033 |
| Cost of funding earning assets | 0.9150% | 3,237 |
| Net interest margin | 4.5676% | 559 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.7592% | 1,525 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.9644% | 526 |
| Return on assets (ROA) | 1.9644% | 516 |
| Pretax return on assets | 1.9644% | 789 |
| Return on Equity (ROE) | 18.8700% | 836 |
| Retained earnings to average equity (ytd only) | 1.3574% | 3,875 |
| Net charge-offs to loans | 0.5031% | 171 |
| Credit loss provision to net charge-offs | 68.3761% | 1,816 |
| Earnings coverage of net charge-offs (x) | 5.2885% | 2,354 |
| Efficiency ratio | 54.1439% | 3,575 |
| Assets per employee ($millions) | 5.7294% | 2,986 |
| Cash dividends to net income (ytd only)* | 92.8074% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 1,015 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 85.2400% | 195 |
| Net loans and leases to deposits | 103.1959% | 380 |
| Net loans and leases to core deposits | 107.1454% | 970 |
| Total domestic deposits to total assets | 82.6000% | 3,089 |
| Equity capital to assets | 11.0826% | 1,315 |
| Core capital (leverage) ratio | 11.0116% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6325% | 2,034 |
| Memoranda: | ||
| Average total assets | $146,270,000 | 3,406 |
| Average earning assets | $141,923,250 | 3,330 |
| Average equity | $15,225,250 | 3,237 |
| Average total loans | $124,030,750 | 2,912 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 1,003 |
| Cost of funding earning assets | 0.7637% | 3,319 |
| Net interest margin | 4.5935% | 534 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.7444% | 1,539 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.7504% | 712 |
| Return on assets (ROA) | 1.7504% | 717 |
| Pretax return on assets | 1.7504% | 1,114 |
| Return on Equity (ROE) | 17.1800% | 1,067 |
| Retained earnings to average equity (ytd only) | -9.4743% | 4,503 |
| Net charge-offs to loans | 0.4724% | 178 |
| Credit loss provision to net charge-offs | 40.9556% | 1,709 |
| Earnings coverage of net charge-offs (x) | 4.8089% | 2,202 |
| Efficiency ratio | 57.9883% | 3,193 |
| Assets per employee ($millions) | 5.6908% | 2,984 |
| Cash dividends to net income (ytd only)* | 155.1590% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 1,078 |
| Loan loss allowance to noncurrent loans | 1,681.2500% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 2,510 |
| Noncurrent loans to loans | 0.0911% | 3,048 |
| Net loans and leases to total assets | 85.0600% | 203 |
| Net loans and leases to deposits | 100.6789% | 488 |
| Net loans and leases to core deposits | 104.3496% | 1,038 |
| Total domestic deposits to total assets | 84.4800% | 2,701 |
| Equity capital to assets | 10.5511% | 1,575 |
| Core capital (leverage) ratio | 10.2262% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9820% | 2,305 |
| Memoranda: | ||
| Average total assets | $147,282,000 | 3,407 |
| Average earning assets | $142,983,667 | 3,332 |
| Average equity | $15,009,000 | 3,270 |
| Average total loans | $124,041,667 | 2,906 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 1,034 |
| Cost of funding earning assets | 0.6595% | 3,191 |
| Net interest margin | 4.4816% | 599 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.7132% | 1,638 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.6931% | 832 |
| Return on assets (ROA) | 1.6931% | 828 |
| Pretax return on assets | 1.6931% | 1,280 |
| Return on Equity (ROE) | 16.9000% | 1,191 |
| Retained earnings to average equity (ytd only) | -36.4072% | 4,653 |
| Net charge-offs to loans | 0.3274% | 242 |
| Credit loss provision to net charge-offs | 53.9216% | 1,295 |
| Earnings coverage of net charge-offs (x) | 6.7549% | 1,776 |
| Efficiency ratio | 58.6510% | 3,112 |
| Assets per employee ($millions) | 5.9317% | 2,818 |
| Cash dividends to net income (ytd only)* | 315.4574% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 956 |
| Loan loss allowance to noncurrent loans | 2,257.3034% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 2,392 |
| Noncurrent loans to loans | 0.0721% | 3,214 |
| Net loans and leases to total assets | 81.8300% | 388 |
| Net loans and leases to deposits | 94.6842% | 739 |
| Net loans and leases to core deposits | 97.2520% | 1,217 |
| Total domestic deposits to total assets | 86.4300% | 2,462 |
| Equity capital to assets | 9.6889% | 2,006 |
| Core capital (leverage) ratio | 9.5400% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3312% | 2,620 |
| Memoranda: | ||
| Average total assets | $149,788,500 | 3,428 |
| Average earning assets | $145,573,500 | 3,352 |
| Average equity | $15,008,000 | 3,305 |
| Average total loans | $124,617,000 | 2,939 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 894 |
| Cost of funding earning assets | 0.3664% | 2,355 |
| Net interest margin | 4.0268% | 758 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.8528% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3369% | 1,323 |
| Return on assets (ROA) | 1.3369% | 1,281 |
| Pretax return on assets | 1.3369% | 1,971 |
| Return on Equity (ROE) | 13.5100% | 1,652 |
| Retained earnings to average equity (ytd only) | 4.8712% | 3,107 |
| Net charge-offs to loans | -0.0008% | 3,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0852% | 2,078 |
| Assets per employee ($millions) | 5.8186% | 2,933 |
| Cash dividends to net income (ytd only)* | 63.9449% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 912 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 2,608 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.8400% | 424 |
| Net loans and leases to deposits | 95.0975% | 706 |
| Net loans and leases to core deposits | 97.2112% | 1,140 |
| Total domestic deposits to total assets | 86.0600% | 2,705 |
| Equity capital to assets | 10.3435% | 1,539 |
| Core capital (leverage) ratio | 10.3546% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3779% | 2,209 |
| Memoranda: | ||
| Average total assets | $152,063,200 | 3,422 |
| Average earning assets | $147,661,800 | 3,347 |
| Average equity | $15,047,600 | 3,367 |
| Average total loans | $121,136,600 | 2,905 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 802 |
| Cost of funding earning assets | 0.3175% | 1,989 |
| Net interest margin | 3.9322% | 737 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.5579% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5342% | 768 |
| Return on assets (ROA) | 1.5342% | 749 |
| Pretax return on assets | 1.5342% | 1,310 |
| Return on Equity (ROE) | 15.6800% | 1,043 |
| Retained earnings to average equity (ytd only) | 4.0453% | 3,430 |
| Net charge-offs to loans | -0.0800% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4808% | 2,902 |
| Assets per employee ($millions) | 5.5461% | 3,171 |
| Cash dividends to net income (ytd only)* | 74.2009% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 850 |
| Loan loss allowance to noncurrent loans | 13,293.7500% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 2,410 |
| Noncurrent loans to loans | 0.0129% | 3,846 |
| Net loans and leases to total assets | 81.4500% | 410 |
| Net loans and leases to deposits | 94.4224% | 618 |
| Net loans and leases to core deposits | 96.5396% | 976 |
| Total domestic deposits to total assets | 86.2700% | 2,994 |
| Equity capital to assets | 10.2201% | 1,508 |
| Core capital (leverage) ratio | 9.8234% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3069% | 2,353 |
| Memoranda: | ||
| Average total assets | $152,258,000 | 3,448 |
| Average earning assets | $147,836,000 | 3,370 |
| Average equity | $14,897,500 | 3,415 |
| Average total loans | $119,952,750 | 2,927 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 775 |
| Cost of funding earning assets | 0.3100% | 1,622 |
| Net interest margin | 3.7837% | 777 |
| Noninterest income to average assets | 0.2613% | 3,609 |
| Noninterest expense to average assets | 2.5357% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3926% | 919 |
| Return on assets (ROA) | 1.3926% | 898 |
| Pretax return on assets | 1.3926% | 1,461 |
| Return on Equity (ROE) | 14.4425% | 1,013 |
| Retained earnings to average equity (ytd only) | -3.1703% | 4,462 |
| Net charge-offs to loans | -0.1400% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4852% | 2,841 |
| Assets per employee ($millions) | 5.5651% | 3,159 |
| Cash dividends to net income (ytd only)* | 121.9512% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 886 |
| Loan loss allowance to noncurrent loans | 7,635.7143% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 2,283 |
| Noncurrent loans to loans | 0.0228% | 3,791 |
| Net loans and leases to total assets | 77.3790% | 610 |
| Net loans and leases to deposits | 88.2164% | 823 |
| Net loans and leases to core deposits | 89.4599% | 1,152 |
| Total domestic deposits to total assets | 87.7150% | 2,688 |
| Equity capital to assets | 9.4433% | 2,063 |
| Core capital (leverage) ratio | 9.3598% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8157% | 2,561 |
| Memoranda: | ||
| Average total assets | $153,096,000 | 3,472 |
| Average earning assets | $148,372,333 | 3,410 |
| Average equity | $14,762,000 | 3,518 |
| Average total loans | $118,570,667 | 2,964 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 808 |
| Cost of funding earning assets | 0.3292% | 1,387 |
| Net interest margin | 3.6454% | 828 |
| Noninterest income to average assets | 0.2610% | 3,572 |
| Noninterest expense to average assets | 2.5334% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2601% | 1,091 |
| Return on assets (ROA) | 1.2601% | 1,076 |
| Pretax return on assets | 1.2601% | 1,620 |
| Return on Equity (ROE) | 12.9316% | 1,054 |
| Retained earnings to average equity (ytd only) | -22.2380% | 4,715 |
| Net charge-offs to loans | 0.0481% | 809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 34.1429% | 1,077 |
| Efficiency ratio | 65.6706% | 2,804 |
| Assets per employee ($millions) | 5.5008% | 3,317 |
| Cash dividends to net income (ytd only)* | 271.9665% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 974 |
| Loan loss allowance to noncurrent loans | 10,205.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 2,223 |
| Noncurrent loans to loans | 0.0171% | 3,879 |
| Net loans and leases to total assets | 74.6387% | 603 |
| Net loans and leases to deposits | 84.7575% | 829 |
| Net loans and leases to core deposits | 86.0228% | 1,127 |
| Total domestic deposits to total assets | 88.0614% | 2,494 |
| Equity capital to assets | 9.2734% | 2,468 |
| Core capital (leverage) ratio | 9.1025% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8825% | 2,646 |
| Memoranda: | ||
| Average total assets | $151,732,000 | 3,496 |
| Average earning assets | $147,035,500 | 3,438 |
| Average equity | $14,785,500 | 3,581 |
| Average total loans | $116,499,500 | 2,977 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 845 |
| Cost of funding earning assets | 0.4482% | 1,216 |
| Net interest margin | 3.8550% | 912 |
| Noninterest income to average assets | 0.2801% | 3,714 |
| Noninterest expense to average assets | 2.7763% | 1,423 |
| Loan and lease loss provision to assets | 0.1381% | 875 |
| Net operating income to assets | 1.0876% | 2,345 |
| Return on assets (ROA) | 1.0876% | 2,415 |
| Pretax return on assets | 1.0876% | 3,013 |
| Return on Equity (ROE) | 11.0440% | 2,151 |
| Retained earnings to average equity (ytd only) | 3.6992% | 3,341 |
| Net charge-offs to loans | -0.1835% | 4,692 |
| Credit loss provision to net charge-offs | -100.9615% | 3,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2221% | 1,947 |
| Assets per employee ($millions) | 5.3372% | 3,429 |
| Cash dividends to net income (ytd only)* | 66.5054% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 916 |
| Loan loss allowance to noncurrent loans | 9,340.9091% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 2,155 |
| Noncurrent loans to loans | 0.0190% | 3,938 |
| Net loans and leases to total assets | 76.2456% | 504 |
| Net loans and leases to deposits | 86.8627% | 726 |
| Net loans and leases to core deposits | 88.2041% | 1,068 |
| Total domestic deposits to total assets | 87.7772% | 2,161 |
| Equity capital to assets | 10.2301% | 2,441 |
| Core capital (leverage) ratio | 9.8167% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7743% | 2,329 |
| Memoranda: | ||
| Average total assets | $152,071,200 | 3,465 |
| Average earning assets | $146,822,800 | 3,406 |
| Average equity | $14,976,400 | 3,635 |
| Average total loans | $113,373,800 | 3,019 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 824 |
| Cost of funding earning assets | 0.4761% | 1,177 |
| Net interest margin | 3.9155% | 909 |
| Noninterest income to average assets | 0.2724% | 3,788 |
| Noninterest expense to average assets | 2.3536% | 2,592 |
| Loan and lease loss provision to assets | 0.1833% | 585 |
| Net operating income to assets | 1.5120% | 1,241 |
| Return on assets (ROA) | 1.5120% | 1,293 |
| Pretax return on assets | 1.5120% | 1,966 |
| Return on Equity (ROE) | 15.5001% | 1,043 |
| Retained earnings to average equity (ytd only) | 5.6559% | 2,977 |
| Net charge-offs to loans | -0.2129% | 4,776 |
| Credit loss provision to net charge-offs | -116.6667% | 3,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9642% | 3,420 |
| Assets per employee ($millions) | 5.1200% | 3,580 |
| Cash dividends to net income (ytd only)* | 63.5104% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 1,590 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 73.7781% | 712 |
| Net loans and leases to deposits | 84.9502% | 891 |
| Net loans and leases to core deposits | 85.9952% | 1,296 |
| Total domestic deposits to total assets | 86.8486% | 2,407 |
| Equity capital to assets | 10.3759% | 2,549 |
| Core capital (leverage) ratio | 9.7588% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3512% | 2,230 |
| Memoranda: | ||
| Average total assets | $152,728,500 | 3,496 |
| Average earning assets | $147,310,000 | 3,440 |
| Average equity | $14,898,500 | 3,696 |
| Average total loans | $112,717,750 | 3,074 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 694 |
| Cost of funding earning assets | 0.5029% | 1,182 |
| Net interest margin | 4.0276% | 785 |
| Noninterest income to average assets | 0.2621% | 3,825 |
| Noninterest expense to average assets | 2.2369% | 2,961 |
| Loan and lease loss provision to assets | 0.2400% | 418 |
| Net operating income to assets | 1.6712% | 917 |
| Return on assets (ROA) | 1.6712% | 968 |
| Pretax return on assets | 1.6712% | 1,559 |
| Return on Equity (ROE) | 17.4889% | 721 |
| Retained earnings to average equity (ytd only) | 2.5527% | 3,983 |
| Net charge-offs to loans | -0.2352% | 4,816 |
| Credit loss provision to net charge-offs | -139.0977% | 3,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7369% | 3,960 |
| Assets per employee ($millions) | 5.2523% | 3,404 |
| Cash dividends to net income (ytd only)* | 85.4037% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 1,038 |
| Loan loss allowance to noncurrent loans | 1,261.2903% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 1,432 |
| Noncurrent loans to loans | 0.1355% | 3,515 |
| Net loans and leases to total assets | 73.8038% | 777 |
| Net loans and leases to deposits | 85.1036% | 975 |
| Net loans and leases to core deposits | 86.1253% | 1,407 |
| Total domestic deposits to total assets | 86.7223% | 2,462 |
| Equity capital to assets | 9.8394% | 3,014 |
| Core capital (leverage) ratio | 9.1757% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7763% | 2,444 |
| Memoranda: | ||
| Average total assets | $154,145,000 | 3,489 |
| Average earning assets | $148,725,333 | 3,435 |
| Average equity | $14,729,333 | 3,709 |
| Average total loans | $113,099,667 | 3,078 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6017% | 658 |
| Cost of funding earning assets | 0.5264% | 1,226 |
| Net interest margin | 4.0753% | 755 |
| Noninterest income to average assets | 0.2528% | 3,885 |
| Noninterest expense to average assets | 2.2237% | 3,034 |
| Loan and lease loss provision to assets | 0.2709% | 366 |
| Net operating income to assets | 1.6923% | 955 |
| Return on assets (ROA) | 1.6923% | 1,004 |
| Pretax return on assets | 1.6923% | 1,508 |
| Return on Equity (ROE) | 17.9720% | 731 |
| Retained earnings to average equity (ytd only) | -12.1640% | 4,848 |
| Net charge-offs to loans | -0.4766% | 4,889 |
| Credit loss provision to net charge-offs | -78.3582% | 2,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7560% | 4,018 |
| Assets per employee ($millions) | 5.8218% | 2,773 |
| Cash dividends to net income (ytd only)* | 167.6829% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 1,053 |
| Loan loss allowance to noncurrent loans | 62,566.6667% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 1,936 |
| Noncurrent loans to loans | 0.0027% | 4,323 |
| Net loans and leases to total assets | 69.1662% | 1,395 |
| Net loans and leases to deposits | 79.3028% | 1,589 |
| Net loans and leases to core deposits | 81.2315% | 1,892 |
| Total domestic deposits to total assets | 87.2179% | 2,217 |
| Equity capital to assets | 9.1311% | 3,562 |
| Core capital (leverage) ratio | 8.9438% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2792% | 2,568 |
| Memoranda: | ||
| Average total assets | $155,059,500 | 3,478 |
| Average earning assets | $149,683,500 | 3,420 |
| Average equity | $14,600,500 | 3,732 |
| Average total loans | $112,464,500 | 3,094 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9397% | 556 |
| Cost of funding earning assets | 0.7375% | 1,524 |
| Net interest margin | 4.2022% | 634 |
| Noninterest income to average assets | 0.2980% | 3,699 |
| Noninterest expense to average assets | 2.5593% | 2,671 |
| Loan and lease loss provision to assets | 0.6618% | 272 |
| Net operating income to assets | 1.1123% | 1,877 |
| Return on assets (ROA) | 1.1123% | 1,996 |
| Pretax return on assets | 1.1123% | 2,644 |
| Return on Equity (ROE) | 11.1053% | 1,593 |
| Retained earnings to average equity (ytd only) | 0.7265% | 4,310 |
| Net charge-offs to loans | 0.6293% | 237 |
| Credit loss provision to net charge-offs | 129.9320% | 2,554 |
| Earnings coverage of net charge-offs (x) | 3.4830% | 3,080 |
| Efficiency ratio | 57.4604% | 3,797 |
| Assets per employee ($millions) | 5.6641% | 2,669 |
| Cash dividends to net income (ytd only)* | 93.4579% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 1,846 |
| Loan loss allowance to noncurrent loans | 54,566.6667% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 2,012 |
| Noncurrent loans to loans | 0.0026% | 4,402 |
| Net loans and leases to total assets | 73.6894% | 1,066 |
| Net loans and leases to deposits | 84.2144% | 1,434 |
| Net loans and leases to core deposits | 86.5001% | 1,827 |
| Total domestic deposits to total assets | 87.5022% | 1,705 |
| Equity capital to assets | 9.7090% | 3,395 |
| Core capital (leverage) ratio | 9.3391% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2695% | 2,527 |
| Memoranda: | ||
| Average total assets | $144,297,600 | 3,465 |
| Average earning assets | $138,571,200 | 3,397 |
| Average equity | $14,452,600 | 3,697 |
| Average total loans | $116,788,800 | 3,016 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 480 |
| Cost of funding earning assets | 0.7746% | 1,609 |
| Net interest margin | 4.3436% | 537 |
| Noninterest income to average assets | 0.2842% | 3,785 |
| Noninterest expense to average assets | 2.4304% | 3,052 |
| Loan and lease loss provision to assets | 0.6705% | 339 |
| Net operating income to assets | 1.3489% | 1,235 |
| Return on assets (ROA) | 1.3489% | 1,332 |
| Pretax return on assets | 1.3489% | 1,878 |
| Return on Equity (ROE) | 13.3574% | 1,017 |
| Retained earnings to average equity (ytd only) | -0.5759% | 4,561 |
| Net charge-offs to loans | 0.4440% | 357 |
| Credit loss provision to net charge-offs | 182.8645% | 2,171 |
| Earnings coverage of net charge-offs (x) | 5.5064% | 2,726 |
| Efficiency ratio | 53.0354% | 4,247 |
| Assets per employee ($millions) | 5.6111% | 2,619 |
| Cash dividends to net income (ytd only)* | 104.3115% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,470 |
| Loan loss allowance to noncurrent loans | 441.8782% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 1,452 |
| Noncurrent loans to loans | 0.3329% | 3,090 |
| Net loans and leases to total assets | 76.9701% | 968 |
| Net loans and leases to deposits | 89.1567% | 1,356 |
| Net loans and leases to core deposits | 91.9042% | 1,802 |
| Total domestic deposits to total assets | 86.3313% | 1,925 |
| Equity capital to assets | 9.6951% | 3,518 |
| Core capital (leverage) ratio | 9.4296% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8589% | 2,663 |
| Memoranda: | ||
| Average total assets | $142,139,250 | 3,472 |
| Average earning assets | $136,321,250 | 3,406 |
| Average equity | $14,353,750 | 3,716 |
| Average total loans | $117,403,250 | 3,018 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 426 |
| Cost of funding earning assets | 0.8116% | 1,771 |
| Net interest margin | 4.5571% | 442 |
| Noninterest income to average assets | 0.2920% | 3,719 |
| Noninterest expense to average assets | 2.4903% | 2,988 |
| Loan and lease loss provision to assets | 0.6906% | 407 |
| Net operating income to assets | 1.4732% | 974 |
| Return on assets (ROA) | 1.4732% | 1,061 |
| Pretax return on assets | 1.4732% | 1,522 |
| Return on Equity (ROE) | 14.3797% | 811 |
| Retained earnings to average equity (ytd only) | -6.6843% | 4,837 |
| Net charge-offs to loans | 0.1640% | 913 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,898 |
| Efficiency ratio | 51.9629% | 4,355 |
| Assets per employee ($millions) | 5.3739% | 2,760 |
| Cash dividends to net income (ytd only)* | 146.4844% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,238 |
| Loan loss allowance to noncurrent loans | 4,867.5676% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 2,003 |
| Noncurrent loans to loans | 0.0310% | 4,358 |
| Net loans and leases to total assets | 81.1205% | 491 |
| Net loans and leases to deposits | 94.4275% | 919 |
| Net loans and leases to core deposits | 97.1772% | 1,484 |
| Total domestic deposits to total assets | 85.9078% | 2,052 |
| Equity capital to assets | 9.8384% | 3,333 |
| Core capital (leverage) ratio | 9.5565% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3990% | 2,858 |
| Memoranda: | ||
| Average total assets | $139,019,333 | 3,491 |
| Average earning assets | $133,067,333 | 3,435 |
| Average equity | $14,242,333 | 3,735 |
| Average total loans | $117,087,667 | 3,015 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 481 |
| Cost of funding earning assets | 0.8515% | 2,107 |
| Net interest margin | 4.5125% | 489 |
| Noninterest income to average assets | 0.3147% | 3,632 |
| Noninterest expense to average assets | 2.5974% | 2,988 |
| Loan and lease loss provision to assets | 0.6030% | 459 |
| Net operating income to assets | 1.4325% | 919 |
| Return on assets (ROA) | 1.4325% | 989 |
| Pretax return on assets | 1.4325% | 1,475 |
| Return on Equity (ROE) | 13.6932% | 761 |
| Retained earnings to average equity (ytd only) | -28.4831% | 5,034 |
| Net charge-offs to loans | 0.1174% | 1,001 |
| Credit loss provision to net charge-offs | 602.9412% | 788 |
| Earnings coverage of net charge-offs (x) | 20.3529% | 1,417 |
| Efficiency ratio | 54.4762% | 4,361 |
| Assets per employee ($millions) | 5.0472% | 2,600 |
| Cash dividends to net income (ytd only)* | 308.0082% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 1,786 |
| Loan loss allowance to noncurrent loans | 763.4615% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 1,728 |
| Noncurrent loans to loans | 0.1803% | 3,828 |
| Net loans and leases to total assets | 83.4950% | 304 |
| Net loans and leases to deposits | 94.3662% | 1,045 |
| Net loans and leases to core deposits | 97.2097% | 1,702 |
| Total domestic deposits to total assets | 88.4798% | 892 |
| Equity capital to assets | 10.0562% | 3,724 |
| Core capital (leverage) ratio | 9.6176% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0639% | 3,079 |
| Memoranda: | ||
| Average total assets | $135,982,000 | 3,502 |
| Average earning assets | $130,127,500 | 3,442 |
| Average equity | $14,226,000 | 3,745 |
| Average total loans | $115,880,500 | 3,001 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3858% | 683 |
| Cost of funding earning assets | 0.8272% | 2,540 |
| Net interest margin | 4.5585% | 631 |
| Noninterest income to average assets | 0.3476% | 3,621 |
| Noninterest expense to average assets | 3.0623% | 1,843 |
| Loan and lease loss provision to assets | 0.2049% | 986 |
| Net operating income to assets | 1.4465% | 1,198 |
| Return on assets (ROA) | 1.4465% | 1,264 |
| Pretax return on assets | 1.4465% | 1,990 |
| Return on Equity (ROE) | 13.3890% | 1,049 |
| Retained earnings to average equity (ytd only) | 0.3091% | 4,603 |
| Net charge-offs to loans | 0.1914% | 1,057 |
| Credit loss provision to net charge-offs | 126.7606% | 2,009 |
| Earnings coverage of net charge-offs (x) | 10.2160% | 2,591 |
| Efficiency ratio | 63.3553% | 3,166 |
| Assets per employee ($millions) | 5.0256% | 2,562 |
| Cash dividends to net income (ytd only)* | 97.6915% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,335 |
| Loan loss allowance to noncurrent loans | 4,723.3333% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 1,907 |
| Noncurrent loans to loans | 0.0258% | 4,462 |
| Net loans and leases to total assets | 84.7328% | 259 |
| Net loans and leases to deposits | 96.9018% | 851 |
| Net loans and leases to core deposits | 100.1219% | 1,550 |
| Total domestic deposits to total assets | 87.4420% | 1,392 |
| Equity capital to assets | 10.8689% | 3,119 |
| Core capital (leverage) ratio | 10.3757% | 3,099 |
| Tier 1 risk-based capital ratio | 11.6442% | 4,554 |
| Total risk-based capital ratio | 12.8258% | 4,472 |
| Memoranda: | ||
| Average total assets | $131,763,000 | 3,543 |
| Average earning assets | $126,203,400 | 3,481 |
| Average equity | $14,235,600 | 3,717 |
| Average total loans | $111,259,800 | 3,067 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 763 |
| Cost of funding earning assets | 0.8161% | 2,633 |
| Net interest margin | 4.5428% | 698 |
| Noninterest income to average assets | 0.3374% | 3,714 |
| Noninterest expense to average assets | 2.8607% | 2,374 |
| Loan and lease loss provision to assets | 0.2345% | 716 |
| Net operating income to assets | 1.5894% | 958 |
| Return on assets (ROA) | 1.5894% | 1,002 |
| Pretax return on assets | 1.5894% | 1,675 |
| Return on Equity (ROE) | 14.7341% | 839 |
| Retained earnings to average equity (ytd only) | -2.8637% | 4,985 |
| Net charge-offs to loans | -0.1261% | 5,035 |
| Credit loss provision to net charge-offs | -221.1538% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4342% | 3,743 |
| Assets per employee ($millions) | 4.7896% | 2,810 |
| Cash dividends to net income (ytd only)* | 119.4356% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,271 |
| Loan loss allowance to noncurrent loans | 465.3846% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 1,423 |
| Noncurrent loans to loans | 0.3204% | 3,382 |
| Net loans and leases to total assets | 83.4375% | 409 |
| Net loans and leases to deposits | 95.4932% | 1,075 |
| Net loans and leases to core deposits | 99.0029% | 1,743 |
| Total domestic deposits to total assets | 87.3753% | 1,327 |
| Equity capital to assets | 10.7770% | 3,313 |
| Core capital (leverage) ratio | 10.3468% | 3,261 |
| Tier 1 risk-based capital ratio | 11.4328% | 4,703 |
| Total risk-based capital ratio | 12.6853% | 4,602 |
| Memoranda: | ||
| Average total assets | $130,781,250 | 3,591 |
| Average earning assets | $125,148,500 | 3,526 |
| Average equity | $14,107,500 | 3,772 |
| Average total loans | $109,977,000 | 3,126 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3251% | 773 |
| Cost of funding earning assets | 0.7955% | 2,664 |
| Net interest margin | 4.5296% | 716 |
| Noninterest income to average assets | 0.3316% | 3,724 |
| Noninterest expense to average assets | 3.0045% | 1,991 |
| Loan and lease loss provision to assets | 0.2159% | 778 |
| Net operating income to assets | 1.4498% | 1,296 |
| Return on assets (ROA) | 1.4498% | 1,349 |
| Pretax return on assets | 1.4498% | 2,033 |
| Return on Equity (ROE) | 13.4359% | 1,114 |
| Retained earnings to average equity (ytd only) | -13.1786% | 5,208 |
| Net charge-offs to loans | -0.2464% | 5,160 |
| Credit loss provision to net charge-offs | -104.4776% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6816% | 3,333 |
| Assets per employee ($millions) | 4.5942% | 3,011 |
| Cash dividends to net income (ytd only)* | 198.0851% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,318 |
| Loan loss allowance to noncurrent loans | 4,668.5714% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 1,848 |
| Noncurrent loans to loans | 0.0318% | 4,558 |
| Net loans and leases to total assets | 84.2550% | 335 |
| Net loans and leases to deposits | 96.2045% | 1,013 |
| Net loans and leases to core deposits | 99.8922% | 1,733 |
| Total domestic deposits to total assets | 87.5791% | 1,300 |
| Equity capital to assets | 10.7760% | 3,286 |
| Core capital (leverage) ratio | 10.0047% | 3,578 |
| Tier 1 risk-based capital ratio | 11.3609% | 4,761 |
| Total risk-based capital ratio | 12.6130% | 4,653 |
| Memoranda: | ||
| Average total assets | $129,671,670 | 3,624 |
| Average earning assets | $124,204,330 | 3,556 |
| Average equity | $13,992,330 | 3,789 |
| Average total loans | $108,772,000 | 3,158 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2199% | 875 |
| Cost of funding earning assets | 0.7677% | 2,697 |
| Net interest margin | 4.4522% | 812 |
| Noninterest income to average assets | 0.3257% | 3,680 |
| Noninterest expense to average assets | 2.6423% | 3,073 |
| Loan and lease loss provision to assets | 0.2919% | 450 |
| Net operating income to assets | 1.6499% | 813 |
| Return on assets (ROA) | 1.6499% | 841 |
| Pretax return on assets | 1.6499% | 1,344 |
| Return on Equity (ROE) | 15.2801% | 698 |
| Retained earnings to average equity (ytd only) | -37.7023% | 5,323 |
| Net charge-offs to loans | -0.4771% | 5,266 |
| Credit loss provision to net charge-offs | -73.6434% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9651% | 4,340 |
| Assets per employee ($millions) | 4.6220% | 3,015 |
| Cash dividends to net income (ytd only)* | 346.7412% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 1,486 |
| Loan loss allowance to noncurrent loans | 4,397.2222% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 1,832 |
| Noncurrent loans to loans | 0.0331% | 4,625 |
| Net loans and leases to total assets | 82.7031% | 504 |
| Net loans and leases to deposits | 94.2788% | 1,143 |
| Net loans and leases to core deposits | 97.8641% | 1,785 |
| Total domestic deposits to total assets | 87.7218% | 1,466 |
| Equity capital to assets | 10.3673% | 3,454 |
| Core capital (leverage) ratio | 9.7368% | 3,880 |
| Tier 1 risk-based capital ratio | 11.0188% | 4,966 |
| Total risk-based capital ratio | 12.2703% | 4,868 |
| Memoranda: | ||
| Average total assets | $130,188,500 | 3,654 |
| Average earning assets | $124,523,500 | 3,592 |
| Average equity | $14,057,500 | 3,792 |
| Average total loans | $108,149,000 | 3,193 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 964 |
| Cost of funding earning assets | 0.5758% | 2,880 |
| Net interest margin | 4.4614% | 823 |
| Noninterest income to average assets | 0.3489% | 3,774 |
| Noninterest expense to average assets | 2.7668% | 2,799 |
| Loan and lease loss provision to assets | 0.3458% | 446 |
| Net operating income to assets | 1.4985% | 1,123 |
| Return on assets (ROA) | 1.4985% | 1,110 |
| Pretax return on assets | 1.4985% | 1,788 |
| Return on Equity (ROE) | 13.5898% | 1,149 |
| Retained earnings to average equity (ytd only) | 7.9957% | 1,239 |
| Net charge-offs to loans | 0.2226% | 872 |
| Credit loss provision to net charge-offs | 190.4762% | 1,500 |
| Earnings coverage of net charge-offs (x) | 10.1602% | 2,750 |
| Efficiency ratio | 58.2993% | 4,116 |
| Assets per employee ($millions) | 4.6772% | 2,913 |
| Cash dividends to net income (ytd only)* | 41.1641% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,241 |
| Loan loss allowance to noncurrent loans | 3,576.3158% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,719 |
| Noncurrent loans to loans | 0.0353% | 4,614 |
| Net loans and leases to total assets | 81.1883% | 782 |
| Net loans and leases to deposits | 93.3634% | 1,352 |
| Net loans and leases to core deposits | 96.4172% | 2,021 |
| Total domestic deposits to total assets | 86.9595% | 1,801 |
| Equity capital to assets | 11.2232% | 2,496 |
| Core capital (leverage) ratio | 10.7454% | 2,794 |
| Tier 1 risk-based capital ratio | 12.1637% | 4,317 |
| Total risk-based capital ratio | 13.3598% | 4,245 |
| Memoranda: | ||
| Average total assets | $127,259,000 | 3,681 |
| Average earning assets | $121,577,400 | 3,619 |
| Average equity | $14,032,600 | 3,743 |
| Average total loans | $103,782,000 | 3,237 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9902% | 957 |
| Cost of funding earning assets | 0.5313% | 2,987 |
| Net interest margin | 4.4589% | 805 |
| Noninterest income to average assets | 0.3335% | 3,926 |
| Noninterest expense to average assets | 2.5699% | 3,385 |
| Loan and lease loss provision to assets | 0.3799% | 339 |
| Net operating income to assets | 1.6443% | 853 |
| Return on assets (ROA) | 1.6443% | 864 |
| Pretax return on assets | 1.6443% | 1,432 |
| Return on Equity (ROE) | 14.9808% | 882 |
| Retained earnings to average equity (ytd only) | 8.3943% | 1,473 |
| Net charge-offs to loans | 0.1362% | 1,189 |
| Credit loss provision to net charge-offs | 342.8571% | 917 |
| Earnings coverage of net charge-offs (x) | 18.2662% | 2,058 |
| Efficiency ratio | 54.2155% | 4,590 |
| Assets per employee ($millions) | 4.5605% | 3,028 |
| Cash dividends to net income (ytd only)* | 43.9666% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,827 |
| Loan loss allowance to noncurrent loans | 3,515.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,827 |
| Noncurrent loans to loans | 0.0388% | 4,721 |
| Net loans and leases to total assets | 79.5622% | 1,081 |
| Net loans and leases to deposits | 92.0238% | 1,624 |
| Net loans and leases to core deposits | 95.3050% | 2,186 |
| Total domestic deposits to total assets | 86.4584% | 1,988 |
| Equity capital to assets | 11.2714% | 2,412 |
| Core capital (leverage) ratio | 10.5163% | 3,064 |
| Tier 1 risk-based capital ratio | 12.4689% | 4,213 |
| Total risk-based capital ratio | 13.7199% | 4,104 |
| Memoranda: | ||
| Average total assets | $126,333,500 | 3,724 |
| Average earning assets | $120,713,250 | 3,669 |
| Average equity | $13,866,250 | 3,793 |
| Average total loans | $102,806,500 | 3,280 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 982 |
| Cost of funding earning assets | 0.4625% | 3,268 |
| Net interest margin | 4.4532% | 764 |
| Noninterest income to average assets | 0.3162% | 4,063 |
| Noninterest expense to average assets | 2.5501% | 3,477 |
| Loan and lease loss provision to assets | 0.3813% | 324 |
| Net operating income to assets | 1.6381% | 828 |
| Return on assets (ROA) | 1.6381% | 833 |
| Pretax return on assets | 1.6381% | 1,382 |
| Return on Equity (ROE) | 15.0614% | 838 |
| Retained earnings to average equity (ytd only) | 5.0545% | 3,049 |
| Net charge-offs to loans | 0.2102% | 750 |
| Credit loss provision to net charge-offs | 222.2222% | 1,215 |
| Earnings coverage of net charge-offs (x) | 11.7685% | 2,245 |
| Efficiency ratio | 54.0682% | 4,684 |
| Assets per employee ($millions) | 4.5376% | 3,075 |
| Cash dividends to net income (ytd only)* | 66.4403% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,580 |
| Loan loss allowance to noncurrent loans | 822.4359% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,385 |
| Noncurrent loans to loans | 0.1489% | 4,236 |
| Net loans and leases to total assets | 81.4747% | 774 |
| Net loans and leases to deposits | 93.8410% | 1,373 |
| Net loans and leases to core deposits | 97.1899% | 1,946 |
| Total domestic deposits to total assets | 86.8220% | 1,922 |
| Equity capital to assets | 10.9624% | 2,668 |
| Core capital (leverage) ratio | 10.2581% | 3,280 |
| Tier 1 risk-based capital ratio | 11.8159% | 4,613 |
| Total risk-based capital ratio | 12.9825% | 4,542 |
| Memoranda: | ||
| Average total assets | $125,879,670 | 3,761 |
| Average earning assets | $120,227,330 | 3,709 |
| Average equity | $13,690,670 | 3,842 |
| Average total loans | $102,741,000 | 3,292 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 951 |
| Cost of funding earning assets | 0.4184% | 3,460 |
| Net interest margin | 4.4422% | 696 |
| Noninterest income to average assets | 0.3129% | 4,060 |
| Noninterest expense to average assets | 2.5923% | 3,356 |
| Loan and lease loss provision to assets | 0.3831% | 299 |
| Net operating income to assets | 1.5739% | 908 |
| Return on assets (ROA) | 1.5739% | 918 |
| Pretax return on assets | 1.5739% | 1,466 |
| Return on Equity (ROE) | 14.5299% | 891 |
| Retained earnings to average equity (ytd only) | -5.6587% | 5,232 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2281% | 4,672 |
| Assets per employee ($millions) | 4.5033% | 3,150 |
| Cash dividends to net income (ytd only)* | 138.9452% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,595 |
| Loan loss allowance to noncurrent loans | 679.6791% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 4,340 |
| Noncurrent loans to loans | 0.1820% | 4,154 |
| Net loans and leases to total assets | 80.4938% | 873 |
| Net loans and leases to deposits | 92.8185% | 1,354 |
| Net loans and leases to core deposits | 93.6933% | 2,166 |
| Total domestic deposits to total assets | 86.7217% | 2,233 |
| Equity capital to assets | 10.6517% | 2,922 |
| Core capital (leverage) ratio | 10.0205% | 3,508 |
| Tier 1 risk-based capital ratio | 11.3904% | 4,930 |
| Total risk-based capital ratio | 12.5550% | 4,867 |
| Memoranda: | ||
| Average total assets | $125,293,000 | 3,807 |
| Average earning assets | $119,489,500 | 3,758 |
| Average equity | $13,572,000 | 3,892 |
| Average total loans | $101,712,000 | 3,332 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7233% | 1,146 |
| Cost of funding earning assets | 0.4081% | 3,179 |
| Net interest margin | 4.3152% | 934 |
| Noninterest income to average assets | 1.5442% | 439 |
| Noninterest expense to average assets | 2.7734% | 2,874 |
| Loan and lease loss provision to assets | 0.4152% | 347 |
| Net operating income to assets | 2.4356% | 133 |
| Return on assets (ROA) | 2.4356% | 133 |
| Pretax return on assets | 2.4356% | 202 |
| Return on Equity (ROE) | 22.4935% | 113 |
| Retained earnings to average equity (ytd only) | 4.1499% | 2,682 |
| Net charge-offs to loans | 0.7757% | 264 |
| Credit loss provision to net charge-offs | 68.2731% | 3,109 |
| Earnings coverage of net charge-offs (x) | 4.6881% | 3,429 |
| Efficiency ratio | 47.8651% | 5,324 |
| Assets per employee ($millions) | 4.2929% | 3,494 |
| Cash dividends to net income (ytd only)* | 81.5508% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,100 |
| Loan loss allowance to noncurrent loans | 852.5926% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 4,587 |
| Noncurrent loans to loans | 0.1341% | 4,391 |
| Net loans and leases to total assets | 79.9282% | 968 |
| Net loans and leases to deposits | 92.1701% | 1,501 |
| Net loans and leases to core deposits | 93.0475% | 2,282 |
| Total domestic deposits to total assets | 86.7181% | 2,135 |
| Equity capital to assets | 11.0151% | 2,610 |
| Core capital (leverage) ratio | 10.0453% | 3,399 |
| Tier 1 risk-based capital ratio | 11.8058% | 4,658 |
| Total risk-based capital ratio | 12.8825% | 4,652 |
| Memoranda: | ||
| Average total assets | $122,845,800 | 3,850 |
| Average earning assets | $116,146,400 | 3,815 |
| Average equity | $13,301,600 | 3,945 |
| Average total loans | $96,299,000 | 3,410 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 1,181 |
| Cost of funding earning assets | 0.4105% | 3,082 |
| Net interest margin | 4.2711% | 992 |
| Noninterest income to average assets | 0.3223% | 4,232 |
| Noninterest expense to average assets | 2.6528% | 3,238 |
| Loan and lease loss provision to assets | 0.4683% | 265 |
| Net operating income to assets | 1.2349% | 1,561 |
| Return on assets (ROA) | 1.2349% | 1,588 |
| Pretax return on assets | 1.2349% | 2,765 |
| Return on Equity (ROE) | 11.4553% | 1,505 |
| Retained earnings to average equity (ytd only) | 1.9597% | 4,654 |
| Net charge-offs to loans | 0.7170% | 264 |
| Credit loss provision to net charge-offs | 83.9844% | 2,527 |
| Earnings coverage of net charge-offs (x) | 3.0547% | 3,385 |
| Efficiency ratio | 59.0250% | 4,351 |
| Assets per employee ($millions) | 4.2041% | 3,636 |
| Cash dividends to net income (ytd only)* | 82.8924% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,085 |
| Loan loss allowance to noncurrent loans | 386.3905% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 3,958 |
| Noncurrent loans to loans | 0.3516% | 3,687 |
| Net loans and leases to total assets | 77.7688% | 1,305 |
| Net loans and leases to deposits | 90.6765% | 1,729 |
| Net loans and leases to core deposits | 91.7834% | 2,467 |
| Total domestic deposits to total assets | 85.7651% | 2,401 |
| Equity capital to assets | 11.0746% | 2,786 |
| Core capital (leverage) ratio | 10.1094% | 3,433 |
| Tier 1 risk-based capital ratio | 11.7901% | 4,778 |
| Total risk-based capital ratio | 13.0405% | 4,640 |
| Memoranda: | ||
| Average total assets | $122,434,000 | 3,896 |
| Average earning assets | $115,625,750 | 3,862 |
| Average equity | $13,198,750 | 4,000 |
| Average total loans | $95,209,750 | 3,459 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 1,214 |
| Cost of funding earning assets | 0.4116% | 2,962 |
| Net interest margin | 4.2096% | 1,061 |
| Noninterest income to average assets | 0.3344% | 4,153 |
| Noninterest expense to average assets | 2.6442% | 3,292 |
| Loan and lease loss provision to assets | 0.3344% | 440 |
| Net operating income to assets | 1.3262% | 1,229 |
| Return on assets (ROA) | 1.3262% | 1,255 |
| Pretax return on assets | 1.3262% | 2,283 |
| Return on Equity (ROE) | 12.4144% | 1,184 |
| Retained earnings to average equity (ytd only) | -1.9393% | 5,343 |
| Net charge-offs to loans | 0.7060% | 275 |
| Credit loss provision to net charge-offs | 61.1940% | 2,455 |
| Earnings coverage of net charge-offs (x) | 3.0388% | 3,090 |
| Efficiency ratio | 59.5301% | 4,394 |
| Assets per employee ($millions) | 4.1582% | 3,697 |
| Cash dividends to net income (ytd only)* | 115.6212% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,405 |
| Loan loss allowance to noncurrent loans | 146.6200% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 2,429 |
| Noncurrent loans to loans | 0.8876% | 2,199 |
| Net loans and leases to total assets | 79.1155% | 1,078 |
| Net loans and leases to deposits | 92.1332% | 1,474 |
| Net loans and leases to core deposits | 93.4957% | 2,199 |
| Total domestic deposits to total assets | 85.8708% | 2,432 |
| Equity capital to assets | 10.9796% | 2,831 |
| Core capital (leverage) ratio | 9.7806% | 3,802 |
| Tier 1 risk-based capital ratio | 11.3987% | 5,018 |
| Total risk-based capital ratio | 12.6042% | 4,943 |
| Memoranda: | ||
| Average total assets | $122,605,670 | 3,915 |
| Average earning assets | $115,641,670 | 3,884 |
| Average equity | $13,097,670 | 4,020 |
| Average total loans | $94,906,000 | 3,473 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 1,237 |
| Cost of funding earning assets | 0.4157% | 2,853 |
| Net interest margin | 4.1431% | 1,114 |
| Noninterest income to average assets | 0.2621% | 4,662 |
| Noninterest expense to average assets | 2.6307% | 3,377 |
| Loan and lease loss provision to assets | 0.2750% | 524 |
| Net operating income to assets | 1.2587% | 1,350 |
| Return on assets (ROA) | 1.2587% | 1,385 |
| Pretax return on assets | 1.2587% | 2,387 |
| Return on Equity (ROE) | 11.9449% | 1,256 |
| Retained earnings to average equity (ytd only) | -16.9194% | 5,688 |
| Net charge-offs to loans | 0.8295% | 206 |
| Credit loss provision to net charge-offs | 43.5897% | 2,036 |
| Earnings coverage of net charge-offs (x) | 2.4308% | 2,589 |
| Efficiency ratio | 61.2277% | 4,279 |
| Assets per employee ($millions) | 4.2638% | 3,557 |
| Cash dividends to net income (ytd only)* | 241.6452% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,206 |
| Loan loss allowance to noncurrent loans | 594.4186% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 4,546 |
| Noncurrent loans to loans | 0.2307% | 4,288 |
| Net loans and leases to total assets | 74.3399% | 1,684 |
| Net loans and leases to deposits | 85.8402% | 2,045 |
| Net loans and leases to core deposits | 87.0671% | 2,633 |
| Total domestic deposits to total assets | 86.6026% | 2,401 |
| Equity capital to assets | 10.3428% | 3,360 |
| Core capital (leverage) ratio | 9.3541% | 4,273 |
| Tier 1 risk-based capital ratio | 11.4572% | 5,056 |
| Total risk-based capital ratio | 12.7071% | 4,954 |
| Memoranda: | ||
| Average total assets | $123,615,000 | 3,938 |
| Average earning assets | $116,435,500 | 3,910 |
| Average equity | $13,026,500 | 4,052 |
| Average total loans | $94,028,500 | 3,513 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 977 |
| Cost of funding earning assets | 0.4519% | 2,525 |
| Net interest margin | 4.2917% | 944 |
| Noninterest income to average assets | 0.2558% | 4,888 |
| Noninterest expense to average assets | 2.7196% | 3,278 |
| Loan and lease loss provision to assets | 0.1458% | 1,708 |
| Net operating income to assets | 1.4498% | 915 |
| Return on assets (ROA) | 1.4498% | 942 |
| Pretax return on assets | 1.4498% | 1,752 |
| Return on Equity (ROE) | 13.4334% | 895 |
| Retained earnings to average equity (ytd only) | 4.1690% | 2,941 |
| Net charge-offs to loans | 0.1797% | 1,534 |
| Credit loss provision to net charge-offs | 106.0606% | 2,455 |
| Earnings coverage of net charge-offs (x) | 11.6061% | 2,524 |
| Efficiency ratio | 61.4211% | 4,353 |
| Assets per employee ($millions) | 4.2613% | 3,510 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,825 |
| Loan loss allowance to noncurrent loans | 1,826.3158% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 5,088 |
| Noncurrent loans to loans | 0.0801% | 4,919 |
| Net loans and leases to total assets | 75.6350% | 1,574 |
| Net loans and leases to deposits | 88.0529% | 1,919 |
| Net loans and leases to core deposits | 89.8766% | 2,514 |
| Total domestic deposits to total assets | 85.8973% | 2,634 |
| Equity capital to assets | 10.7332% | 2,887 |
| Core capital (leverage) ratio | 9.7675% | 3,786 |
| Tier 1 risk-based capital ratio | 11.8632% | 4,814 |
| Total risk-based capital ratio | 13.1151% | 4,708 |
| Memoranda: | ||
| Average total assets | $120,016,200 | 3,996 |
| Average earning assets | $113,522,000 | 3,936 |
| Average equity | $12,952,800 | 4,095 |
| Average total loans | $91,811,800 | 3,540 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 1,009 |
| Cost of funding earning assets | 0.4549% | 2,510 |
| Net interest margin | 4.2759% | 969 |
| Noninterest income to average assets | 0.2406% | 5,036 |
| Noninterest expense to average assets | 2.5306% | 3,894 |
| Loan and lease loss provision to assets | 0.1399% | 1,675 |
| Net operating income to assets | 1.6207% | 702 |
| Return on assets (ROA) | 1.6207% | 742 |
| Pretax return on assets | 1.6207% | 1,329 |
| Return on Equity (ROE) | 14.9951% | 668 |
| Retained earnings to average equity (ytd only) | 2.5682% | 4,371 |
| Net charge-offs to loans | -0.0923% | 5,545 |
| Credit loss provision to net charge-offs | -198.4127% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4596% | 4,895 |
| Assets per employee ($millions) | 4.2237% | 3,554 |
| Cash dividends to net income (ytd only)* | 82.8729% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 1,302 |
| Loan loss allowance to noncurrent loans | 5,592.8571% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 5,419 |
| Noncurrent loans to loans | 0.0297% | 5,263 |
| Net loans and leases to total assets | 75.6952% | 1,576 |
| Net loans and leases to deposits | 88.2346% | 1,987 |
| Net loans and leases to core deposits | 90.0811% | 2,568 |
| Total domestic deposits to total assets | 85.7886% | 2,458 |
| Equity capital to assets | 10.9155% | 3,106 |
| Core capital (leverage) ratio | 9.5251% | 4,143 |
| Tier 1 risk-based capital ratio | 11.6558% | 5,010 |
| Total risk-based capital ratio | 12.9099% | 4,906 |
| Memoranda: | ||
| Average total assets | $119,125,500 | 4,034 |
| Average earning assets | $112,847,250 | 3,976 |
| Average equity | $12,875,000 | 4,142 |
| Average total loans | $91,050,500 | 3,571 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7097% | 1,032 |
| Cost of funding earning assets | 0.4583% | 2,494 |
| Net interest margin | 4.2515% | 1,018 |
| Noninterest income to average assets | 0.2288% | 5,118 |
| Noninterest expense to average assets | 2.5355% | 3,926 |
| Loan and lease loss provision to assets | 0.0678% | 2,786 |
| Net operating income to assets | 1.6508% | 643 |
| Return on assets (ROA) | 1.6508% | 686 |
| Pretax return on assets | 1.6508% | 1,217 |
| Return on Equity (ROE) | 15.3265% | 637 |
| Retained earnings to average equity (ytd only) | -3.5563% | 5,676 |
| Net charge-offs to loans | -0.1489% | 5,737 |
| Credit loss provision to net charge-offs | -59.7015% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2869% | 4,865 |
| Assets per employee ($millions) | 4.2289% | 3,507 |
| Cash dividends to net income (ytd only)* | 123.2033% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 1,507 |
| Loan loss allowance to noncurrent loans | 5,120.6897% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 5,498 |
| Noncurrent loans to loans | 0.0314% | 5,338 |
| Net loans and leases to total assets | 74.1241% | 1,817 |
| Net loans and leases to deposits | 85.3224% | 2,319 |
| Net loans and leases to core deposits | 85.5383% | 2,944 |
| Total domestic deposits to total assets | 86.8753% | 1,973 |
| Equity capital to assets | 10.5790% | 3,550 |
| Core capital (leverage) ratio | 9.1755% | 4,630 |
| Tier 1 risk-based capital ratio | 11.4065% | 5,212 |
| Total risk-based capital ratio | 12.6594% | 5,105 |
| Memoranda: | ||
| Average total assets | $118,005,330 | 4,090 |
| Average earning assets | $111,726,000 | 4,027 |
| Average equity | $12,710,000 | 4,198 |
| Average total loans | $89,973,330 | 3,615 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 943 |
| Cost of funding earning assets | 0.4602% | 2,463 |
| Net interest margin | 4.2915% | 944 |
| Noninterest income to average assets | 0.2144% | 5,204 |
| Noninterest expense to average assets | 2.5863% | 3,791 |
| Loan and lease loss provision to assets | 0.1383% | 1,514 |
| Net operating income to assets | 1.5524% | 777 |
| Return on assets (ROA) | 1.5524% | 816 |
| Pretax return on assets | 1.5524% | 1,426 |
| Return on Equity (ROE) | 14.2789% | 788 |
| Retained earnings to average equity (ytd only) | -23.8830% | 5,994 |
| Net charge-offs to loans | -0.2208% | 5,873 |
| Credit loss provision to net charge-offs | -81.6327% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8222% | 4,773 |
| Assets per employee ($millions) | 4.1608% | 3,651 |
| Cash dividends to net income (ytd only)* | 267.2606% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 1,544 |
| Loan loss allowance to noncurrent loans | 3,409.3023% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 5,493 |
| Noncurrent loans to loans | 0.0476% | 5,295 |
| Net loans and leases to total assets | 73.6984% | 1,777 |
| Net loans and leases to deposits | 84.5449% | 2,245 |
| Net loans and leases to core deposits | 86.5199% | 2,702 |
| Total domestic deposits to total assets | 87.1708% | 2,118 |
| Equity capital to assets | 10.1788% | 3,867 |
| Core capital (leverage) ratio | 9.3752% | 4,387 |
| Tier 1 risk-based capital ratio | 11.0603% | 5,475 |
| Total risk-based capital ratio | 12.3138% | 5,382 |
| Memoranda: | ||
| Average total assets | $115,688,500 | 4,158 |
| Average earning assets | $109,519,500 | 4,098 |
| Average equity | $12,578,000 | 4,227 |
| Average total loans | $88,765,000 | 3,642 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0202% | 598 |
| Cost of funding earning assets | 0.4410% | 2,733 |
| Net interest margin | 4.5792% | 570 |
| Noninterest income to average assets | 0.2838% | 4,859 |
| Noninterest expense to average assets | 2.7754% | 3,330 |
| Loan and lease loss provision to assets | 0.1645% | 1,398 |
| Net operating income to assets | 1.6767% | 605 |
| Return on assets (ROA) | 1.6936% | 601 |
| Pretax return on assets | 1.6936% | 1,008 |
| Return on Equity (ROE) | 14.5619% | 755 |
| Retained earnings to average equity (ytd only) | 3.2485% | 3,741 |
| Net charge-offs to loans | 0.0662% | 2,910 |
| Credit loss provision to net charge-offs | 324.0741% | 922 |
| Earnings coverage of net charge-offs (x) | 36.2778% | 1,272 |
| Efficiency ratio | 60.1181% | 4,894 |
| Assets per employee ($millions) | 4.1006% | 3,759 |
| Cash dividends to net income (ytd only)* | 77.6915% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,674 |
| Loan loss allowance to noncurrent loans | 4,175.7576% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 5,573 |
| Noncurrent loans to loans | 0.0379% | 5,367 |
| Net loans and leases to total assets | 77.4601% | 1,193 |
| Net loans and leases to deposits | 93.6061% | 1,237 |
| Net loans and leases to core deposits | 96.1230% | 1,836 |
| Total domestic deposits to total assets | 82.7512% | 3,928 |
| Equity capital to assets | 11.6281% | 2,251 |
| Core capital (leverage) ratio | 11.0564% | 2,343 |
| Tier 1 risk-based capital ratio | 13.0601% | 4,265 |
| Total risk-based capital ratio | 14.3135% | 4,184 |
| Memoranda: | ||
| Average total assets | $106,400,400 | 4,324 |
| Average earning assets | $100,672,600 | 4,270 |
| Average equity | $12,374,800 | 4,229 |
| Average total loans | $81,602,600 | 3,782 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 747 |
| Cost of funding earning assets | 0.4313% | 2,888 |
| Net interest margin | 4.4827% | 678 |
| Noninterest income to average assets | 0.2658% | 5,034 |
| Noninterest expense to average assets | 2.5445% | 4,069 |
| Loan and lease loss provision to assets | 0.1899% | 1,073 |
| Net operating income to assets | 1.7685% | 554 |
| Return on assets (ROA) | 1.7913% | 550 |
| Pretax return on assets | 1.7913% | 917 |
| Return on Equity (ROE) | 15.4010% | 675 |
| Retained earnings to average equity (ytd only) | 0.1633% | 5,557 |
| Net charge-offs to loans | 0.1330% | 1,807 |
| Credit loss provision to net charge-offs | 187.5000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 19.3383% | 1,946 |
| Efficiency ratio | 56.5083% | 5,283 |
| Assets per employee ($millions) | 3.9336% | 4,007 |
| Cash dividends to net income (ytd only)* | 98.9399% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,830 |
| Loan loss allowance to noncurrent loans | 3,788.5714% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 5,657 |
| Noncurrent loans to loans | 0.0419% | 5,449 |
| Net loans and leases to total assets | 77.3633% | 1,200 |
| Net loans and leases to deposits | 92.2177% | 1,380 |
| Net loans and leases to core deposits | 95.8707% | 1,900 |
| Total domestic deposits to total assets | 83.8920% | 3,474 |
| Equity capital to assets | 11.8692% | 2,198 |
| Core capital (leverage) ratio | 11.0147% | 2,475 |
| Tier 1 risk-based capital ratio | 13.1263% | 4,362 |
| Total risk-based capital ratio | 14.3794% | 4,282 |
| Memoranda: | ||
| Average total assets | $105,321,750 | 4,397 |
| Average earning assets | $99,551,250 | 4,343 |
| Average equity | $12,250,000 | 4,312 |
| Average total loans | $80,218,750 | 3,851 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 731 |
| Cost of funding earning assets | 0.4134% | 3,120 |
| Net interest margin | 4.4845% | 660 |
| Noninterest income to average assets | 0.2399% | 5,238 |
| Noninterest expense to average assets | 2.5536% | 4,059 |
| Loan and lease loss provision to assets | 0.1999% | 982 |
| Net operating income to assets | 1.7215% | 605 |
| Return on assets (ROA) | 1.7215% | 629 |
| Pretax return on assets | 1.7215% | 1,041 |
| Return on Equity (ROE) | 14.9036% | 750 |
| Retained earnings to average equity (ytd only) | -8.1772% | 6,135 |
| Net charge-offs to loans | 0.1567% | 1,539 |
| Credit loss provision to net charge-offs | 169.3548% | 1,413 |
| Earnings coverage of net charge-offs (x) | 16.2742% | 1,919 |
| Efficiency ratio | 57.0638% | 5,331 |
| Assets per employee ($millions) | 3.9477% | 3,985 |
| Cash dividends to net income (ytd only)* | 154.8673% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,963 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,720 |
| Noncurrent loans to loans | 0.0474% | 5,560 |
| Net loans and leases to total assets | 75.9070% | 1,379 |
| Net loans and leases to deposits | 90.3484% | 1,553 |
| Net loans and leases to core deposits | 93.9087% | 1,965 |
| Total domestic deposits to total assets | 84.0159% | 3,555 |
| Equity capital to assets | 11.2687% | 2,601 |
| Core capital (leverage) ratio | 10.6381% | 2,808 |
| Tier 1 risk-based capital ratio | 12.6521% | 4,713 |
| Total risk-based capital ratio | 13.9047% | 4,635 |
| Memoranda: | ||
| Average total assets | $105,026,330 | 4,443 |
| Average earning assets | $99,186,000 | 4,389 |
| Average equity | $12,131,330 | 4,357 |
| Average total loans | $79,127,670 | 3,909 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 698 |
| Cost of funding earning assets | 0.3989% | 3,318 |
| Net interest margin | 4.5019% | 602 |
| Noninterest income to average assets | 0.1919% | 5,561 |
| Noninterest expense to average assets | 2.6898% | 3,623 |
| Loan and lease loss provision to assets | 0.1535% | 1,327 |
| Net operating income to assets | 1.5924% | 716 |
| Return on assets (ROA) | 1.5924% | 753 |
| Pretax return on assets | 1.5924% | 1,287 |
| Return on Equity (ROE) | 13.6160% | 955 |
| Retained earnings to average equity (ytd only) | -32.3176% | 6,351 |
| Net charge-offs to loans | 0.0206% | 2,740 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 113.7500% | 444 |
| Efficiency ratio | 60.6401% | 5,014 |
| Assets per employee ($millions) | 3.9036% | 4,154 |
| Cash dividends to net income (ytd only)* | 337.3494% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 1,873 |
| Loan loss allowance to noncurrent loans | 2,938.6364% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 5,774 |
| Noncurrent loans to loans | 0.0562% | 5,549 |
| Net loans and leases to total assets | 73.0353% | 1,648 |
| Net loans and leases to deposits | 86.2294% | 1,802 |
| Net loans and leases to core deposits | 90.1634% | 2,113 |
| Total domestic deposits to total assets | 84.6988% | 3,541 |
| Equity capital to assets | 11.2299% | 2,721 |
| Core capital (leverage) ratio | 10.3094% | 3,206 |
| Tier 1 risk-based capital ratio | 12.5515% | 4,872 |
| Total risk-based capital ratio | 13.8051% | 4,783 |
| Memoranda: | ||
| Average total assets | $104,246,000 | 4,494 |
| Average earning assets | $98,269,500 | 4,446 |
| Average equity | $12,191,500 | 4,380 |
| Average total loans | $77,588,000 | 3,976 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 662 |
| Cost of funding earning assets | 0.3507% | 4,244 |
| Net interest margin | 4.7297% | 498 |
| Noninterest income to average assets | 0.3194% | 4,833 |
| Noninterest expense to average assets | 2.8477% | 3,318 |
| Loan and lease loss provision to assets | 0.2695% | 809 |
| Net operating income to assets | 1.6579% | 626 |
| Return on assets (ROA) | 1.6460% | 669 |
| Pretax return on assets | 1.6460% | 1,105 |
| Return on Equity (ROE) | 14.1029% | 919 |
| Retained earnings to average equity (ytd only) | 4.6953% | 2,831 |
| Net charge-offs to loans | 0.2193% | 1,914 |
| Credit loss provision to net charge-offs | 167.7019% | 1,457 |
| Earnings coverage of net charge-offs (x) | 11.9938% | 2,433 |
| Efficiency ratio | 59.6363% | 5,273 |
| Assets per employee ($millions) | 3.8183% | 4,313 |
| Cash dividends to net income (ytd only)* | 66.7071% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 1,973 |
| Loan loss allowance to noncurrent loans | 2,674.4681% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,855 |
| Noncurrent loans to loans | 0.0611% | 5,635 |
| Net loans and leases to total assets | 73.3780% | 1,693 |
| Net loans and leases to deposits | 90.4157% | 1,479 |
| Net loans and leases to core deposits | 95.3034% | 1,778 |
| Total domestic deposits to total assets | 81.1562% | 4,695 |
| Equity capital to assets | 12.1703% | 1,891 |
| Core capital (leverage) ratio | 11.4631% | 2,000 |
| Tier 1 risk-based capital ratio | 14.0632% | 4,046 |
| Total risk-based capital ratio | 15.3165% | 3,966 |
| Memoranda: | ||
| Average total assets | $100,184,800 | 4,594 |
| Average earning assets | $94,381,400 | 4,545 |
| Average equity | $11,692,600 | 4,422 |
| Average total loans | $73,429,800 | 4,078 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 647 |
| Cost of funding earning assets | 0.3414% | 4,444 |
| Net interest margin | 4.7564% | 458 |
| Noninterest income to average assets | 0.3043% | 5,011 |
| Noninterest expense to average assets | 2.6704% | 3,941 |
| Loan and lease loss provision to assets | 0.2882% | 696 |
| Net operating income to assets | 1.8285% | 488 |
| Return on assets (ROA) | 1.8125% | 519 |
| Pretax return on assets | 1.8125% | 871 |
| Return on Equity (ROE) | 15.7036% | 717 |
| Retained earnings to average equity (ytd only) | 2.9270% | 4,513 |
| Net charge-offs to loans | 0.3069% | 1,293 |
| Credit loss provision to net charge-offs | 128.7425% | 1,794 |
| Earnings coverage of net charge-offs (x) | 9.4551% | 2,669 |
| Efficiency ratio | 55.7827% | 5,679 |
| Assets per employee ($millions) | 3.9048% | 4,080 |
| Cash dividends to net income (ytd only)* | 81.3610% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 2,365 |
| Loan loss allowance to noncurrent loans | 2,256.6038% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,941 |
| Noncurrent loans to loans | 0.0701% | 5,739 |
| Net loans and leases to total assets | 73.2920% | 1,629 |
| Net loans and leases to deposits | 90.2058% | 1,406 |
| Net loans and leases to core deposits | 94.5513% | 1,801 |
| Total domestic deposits to total assets | 81.2498% | 4,751 |
| Equity capital to assets | 11.8642% | 2,183 |
| Core capital (leverage) ratio | 11.3054% | 2,213 |
| Tier 1 risk-based capital ratio | 13.9932% | 4,220 |
| Total risk-based capital ratio | 15.2469% | 4,158 |
| Memoranda: | ||
| Average total assets | $99,457,250 | 4,656 |
| Average earning assets | $93,738,000 | 4,605 |
| Average equity | $11,479,000 | 4,493 |
| Average total loans | $72,560,750 | 4,135 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1536% | 550 |
| Cost of funding earning assets | 0.3317% | 4,625 |
| Net interest margin | 4.8220% | 397 |
| Noninterest income to average assets | 0.2815% | 5,173 |
| Noninterest expense to average assets | 2.6932% | 3,893 |
| Loan and lease loss provision to assets | 0.2531% | 859 |
| Net operating income to assets | 1.8690% | 436 |
| Return on assets (ROA) | 1.8447% | 460 |
| Pretax return on assets | 1.8447% | 765 |
| Return on Equity (ROE) | 16.1377% | 646 |
| Retained earnings to average equity (ytd only) | -3.3480% | 6,118 |
| Net charge-offs to loans | 0.2264% | 1,684 |
| Credit loss provision to net charge-offs | 154.3210% | 1,433 |
| Earnings coverage of net charge-offs (x) | 12.9383% | 2,018 |
| Efficiency ratio | 55.9294% | 5,754 |
| Assets per employee ($millions) | 4.2162% | 3,430 |
| Cash dividends to net income (ytd only)* | 120.7464% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 2,377 |
| Loan loss allowance to noncurrent loans | 2,128.5714% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 6,017 |
| Noncurrent loans to loans | 0.0763% | 5,792 |
| Net loans and leases to total assets | 71.3434% | 1,855 |
| Net loans and leases to deposits | 87.5701% | 1,644 |
| Net loans and leases to core deposits | 92.6678% | 1,886 |
| Total domestic deposits to total assets | 81.4701% | 4,820 |
| Equity capital to assets | 11.4846% | 2,440 |
| Core capital (leverage) ratio | 10.9033% | 2,522 |
| Tier 1 risk-based capital ratio | 13.8408% | 4,356 |
| Total risk-based capital ratio | 15.0941% | 4,309 |
| Memoranda: | ||
| Average total assets | $98,768,330 | 4,710 |
| Average earning assets | $92,866,670 | 4,662 |
| Average equity | $11,290,330 | 4,538 |
| Average total loans | $71,546,000 | 4,177 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 552 |
| Cost of funding earning assets | 0.3223% | 4,830 |
| Net interest margin | 4.8178% | 371 |
| Noninterest income to average assets | 0.2706% | 5,207 |
| Noninterest expense to average assets | 2.7799% | 3,641 |
| Loan and lease loss provision to assets | 0.3690% | 461 |
| Net operating income to assets | 1.6564% | 612 |
| Return on assets (ROA) | 1.6072% | 689 |
| Pretax return on assets | 1.6072% | 1,154 |
| Return on Equity (ROE) | 14.0944% | 932 |
| Retained earnings to average equity (ytd only) | -25.4562% | 6,587 |
| Net charge-offs to loans | 0.8325% | 419 |
| Credit loss provision to net charge-offs | 61.2245% | 2,089 |
| Earnings coverage of net charge-offs (x) | 3.3605% | 2,696 |
| Efficiency ratio | 57.8498% | 5,664 |
| Assets per employee ($millions) | 3.9597% | 4,027 |
| Cash dividends to net income (ytd only)* | 280.6122% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,060 |
| Loan loss allowance to noncurrent loans | 1,849.1525% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 6,096 |
| Noncurrent loans to loans | 0.0822% | 5,894 |
| Net loans and leases to total assets | 71.3707% | 1,669 |
| Net loans and leases to deposits | 87.1397% | 1,453 |
| Net loans and leases to core deposits | 92.3025% | 1,699 |
| Total domestic deposits to total assets | 81.9038% | 4,971 |
| Equity capital to assets | 10.9887% | 2,723 |
| Core capital (leverage) ratio | 10.5836% | 2,830 |
| Tier 1 risk-based capital ratio | 13.3932% | 4,771 |
| Total risk-based capital ratio | 14.6455% | 4,698 |
| Memoranda: | ||
| Average total assets | $97,558,500 | 4,784 |
| Average earning assets | $91,827,000 | 4,731 |
| Average equity | $11,125,000 | 4,585 |
| Average total loans | $70,627,500 | 4,247 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 875 |
| Cost of funding earning assets | 0.3121% | 5,499 |
| Net interest margin | 4.7119% | 503 |
| Noninterest income to average assets | 0.3257% | 5,000 |
| Noninterest expense to average assets | 2.7033% | 4,086 |
| Loan and lease loss provision to assets | 0.3630% | 859 |
| Net operating income to assets | 1.7192% | 563 |
| Return on assets (ROA) | 1.7253% | 579 |
| Pretax return on assets | 1.7253% | 902 |
| Return on Equity (ROE) | 14.8010% | 804 |
| Retained earnings to average equity (ytd only) | 6.1505% | 1,885 |
| Net charge-offs to loans | 0.4021% | 1,677 |
| Credit loss provision to net charge-offs | 132.8413% | 1,773 |
| Earnings coverage of net charge-offs (x) | 7.6199% | 2,802 |
| Efficiency ratio | 56.4897% | 5,895 |
| Assets per employee ($millions) | 3.6971% | 4,484 |
| Cash dividends to net income (ytd only)* | 58.4454% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 2,560 |
| Loan loss allowance to noncurrent loans | 1,881.9672% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 6,168 |
| Noncurrent loans to loans | 0.0878% | 5,953 |
| Net loans and leases to total assets | 71.1206% | 1,820 |
| Net loans and leases to deposits | 88.0855% | 1,449 |
| Net loans and leases to core deposits | 95.1668% | 1,518 |
| Total domestic deposits to total assets | 80.7405% | 5,258 |
| Equity capital to assets | 11.8306% | 1,921 |
| Core capital (leverage) ratio | 11.2935% | 2,126 |
| Tier 1 risk-based capital ratio | 14.8742% | 3,736 |
| Total risk-based capital ratio | 16.1278% | 3,683 |
| Memoranda: | ||
| Average total assets | $99,173,400 | 4,759 |
| Average earning assets | $93,869,600 | 4,683 |
| Average equity | $11,560,000 | 4,534 |
| Average total loans | $67,400,400 | 4,361 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 945 |
| Cost of funding earning assets | 0.3145% | 5,604 |
| Net interest margin | 4.6859% | 529 |
| Noninterest income to average assets | 0.3229% | 5,101 |
| Noninterest expense to average assets | 2.6483% | 4,208 |
| Loan and lease loss provision to assets | 0.3869% | 797 |
| Net operating income to assets | 1.7211% | 610 |
| Return on assets (ROA) | 1.7291% | 627 |
| Pretax return on assets | 1.7291% | 1,038 |
| Return on Equity (ROE) | 14.8872% | 815 |
| Retained earnings to average equity (ytd only) | 3.4002% | 4,269 |
| Net charge-offs to loans | 0.4307% | 1,489 |
| Credit loss provision to net charge-offs | 134.2593% | 1,756 |
| Earnings coverage of net charge-offs (x) | 7.3149% | 2,814 |
| Efficiency ratio | 55.6802% | 5,944 |
| Assets per employee ($millions) | 4.0054% | 3,820 |
| Cash dividends to net income (ytd only)* | 77.1604% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 2,727 |
| Loan loss allowance to noncurrent loans | 952.1008% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 6,071 |
| Noncurrent loans to loans | 0.1754% | 5,803 |
| Net loans and leases to total assets | 66.6217% | 2,538 |
| Net loans and leases to deposits | 84.3205% | 1,835 |
| Net loans and leases to core deposits | 91.5794% | 1,807 |
| Total domestic deposits to total assets | 79.0101% | 5,739 |
| Equity capital to assets | 11.2899% | 2,481 |
| Core capital (leverage) ratio | 10.7965% | 2,675 |
| Tier 1 risk-based capital ratio | 14.6054% | 4,011 |
| Total risk-based capital ratio | 15.8608% | 3,955 |
| Memoranda: | ||
| Average total assets | $99,935,750 | 4,783 |
| Average earning assets | $94,550,500 | 4,709 |
| Average equity | $11,607,000 | 4,575 |
| Average total loans | $66,872,500 | 4,414 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 954 |
| Cost of funding earning assets | 0.3240% | 5,627 |
| Net interest margin | 4.6485% | 557 |
| Noninterest income to average assets | 0.3184% | 5,159 |
| Noninterest expense to average assets | 2.6895% | 4,067 |
| Loan and lease loss provision to assets | 0.3304% | 1,041 |
| Net operating income to assets | 1.6942% | 626 |
| Return on assets (ROA) | 1.7062% | 669 |
| Pretax return on assets | 1.7062% | 1,101 |
| Return on Equity (ROE) | 14.5546% | 896 |
| Retained earnings to average equity (ytd only) | -2.5283% | 6,257 |
| Net charge-offs to loans | 0.4568% | 1,441 |
| Credit loss provision to net charge-offs | 108.5526% | 2,047 |
| Earnings coverage of net charge-offs (x) | 6.6513% | 2,678 |
| Efficiency ratio | 57.0518% | 5,846 |
| Assets per employee ($millions) | 3.6748% | 4,460 |
| Cash dividends to net income (ytd only)* | 117.3709% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 3,199 |
| Loan loss allowance to noncurrent loans | 870.7317% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 6,112 |
| Noncurrent loans to loans | 0.1823% | 5,861 |
| Net loans and leases to total assets | 66.9116% | 2,431 |
| Net loans and leases to deposits | 83.0901% | 1,915 |
| Net loans and leases to core deposits | 91.7165% | 1,739 |
| Total domestic deposits to total assets | 80.5289% | 5,468 |
| Equity capital to assets | 11.2378% | 2,532 |
| Core capital (leverage) ratio | 10.1262% | 3,329 |
| Tier 1 risk-based capital ratio | 14.1781% | 4,306 |
| Total risk-based capital ratio | 15.4340% | 4,261 |
| Memoranda: | ||
| Average total assets | $99,869,670 | 4,821 |
| Average earning assets | $94,440,000 | 4,746 |
| Average equity | $11,707,670 | 4,589 |
| Average total loans | $66,548,670 | 4,445 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 867 |
| Cost of funding earning assets | 0.3389% | 5,647 |
| Net interest margin | 4.6731% | 498 |
| Noninterest income to average assets | 0.2555% | 5,627 |
| Noninterest expense to average assets | 2.6748% | 4,168 |
| Loan and lease loss provision to assets | 0.2795% | 1,258 |
| Net operating income to assets | 1.7047% | 579 |
| Return on assets (ROA) | 1.7047% | 641 |
| Pretax return on assets | 1.7047% | 1,063 |
| Return on Equity (ROE) | 14.2494% | 916 |
| Retained earnings to average equity (ytd only) | -19.1215% | 6,822 |
| Net charge-offs to loans | 0.3147% | 1,707 |
| Credit loss provision to net charge-offs | 134.6154% | 1,473 |
| Earnings coverage of net charge-offs (x) | 9.5577% | 1,819 |
| Efficiency ratio | 57.4122% | 5,910 |
| Assets per employee ($millions) | 4.1462% | 3,632 |
| Cash dividends to net income (ytd only)* | 234.1920% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 3,472 |
| Loan loss allowance to noncurrent loans | 848.0315% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 6,203 |
| Noncurrent loans to loans | 0.1866% | 5,937 |
| Net loans and leases to total assets | 64.6176% | 2,597 |
| Net loans and leases to deposits | 80.6444% | 1,997 |
| Net loans and leases to core deposits | 88.6683% | 1,839 |
| Total domestic deposits to total assets | 80.1266% | 5,727 |
| Equity capital to assets | 11.2391% | 2,692 |
| Core capital (leverage) ratio | 9.7025% | 3,788 |
| Tier 1 risk-based capital ratio | 13.3270% | 4,990 |
| Total risk-based capital ratio | 14.5796% | 4,941 |
| Memoranda: | ||
| Average total assets | $100,195,000 | 4,864 |
| Average earning assets | $94,412,000 | 4,784 |
| Average equity | $11,986,500 | 4,580 |
| Average total loans | $66,093,000 | 4,491 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 1,159 |
| Cost of funding earning assets | 0.4523% | 5,569 |
| Net interest margin | 4.7248% | 622 |
| Noninterest income to average assets | 0.2045% | 5,952 |
| Noninterest expense to average assets | 2.9778% | 3,355 |
| Loan and lease loss provision to assets | 0.3932% | 1,657 |
| Net operating income to assets | 1.3022% | 1,292 |
| Return on assets (ROA) | 1.6147% | 817 |
| Pretax return on assets | 1.6147% | 1,345 |
| Return on Equity (ROE) | 13.4578% | 1,113 |
| Retained earnings to average equity (ytd only) | 9.0884% | 796 |
| Net charge-offs to loans | 0.4220% | 2,547 |
| Credit loss provision to net charge-offs | 151.8219% | 1,790 |
| Earnings coverage of net charge-offs (x) | 6.5466% | 2,793 |
| Efficiency ratio | 63.7200% | 4,939 |
| Assets per employee ($millions) | 3.8694% | 4,233 |
| Cash dividends to net income (ytd only)* | 32.4675% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 65.2004% | 2,677 |
| Net loans and leases to deposits | 79.2160% | 2,380 |
| Net loans and leases to core deposits | 87.6071% | 2,133 |
| Total domestic deposits to total assets | 82.3072% | 4,993 |
| Equity capital to assets | 12.7391% | 1,572 |
| Core capital (leverage) ratio | 10.5982% | 2,654 |
| Tier 1 risk-based capital ratio | 15.1904% | 3,619 |
| Total risk-based capital ratio | 16.4446% | 3,562 |
| Memoranda: | ||
| Average total assets | $95,373,400 | 4,953 |
| Average earning assets | $90,205,800 | 4,864 |
| Average equity | $11,443,200 | 4,678 |
| Average total loans | $58,533,400 | 4,772 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 1,232 |
| Cost of funding earning assets | 0.4641% | 5,689 |
| Net interest margin | 4.7194% | 651 |
| Noninterest income to average assets | 0.1543% | 6,378 |
| Noninterest expense to average assets | 2.9996% | 3,236 |
| Loan and lease loss provision to assets | 0.5261% | 1,138 |
| Net operating income to assets | 1.1084% | 2,059 |
| Return on assets (ROA) | 1.3384% | 1,494 |
| Pretax return on assets | 1.3384% | 2,457 |
| Return on Equity (ROE) | 11.3333% | 1,844 |
| Retained earnings to average equity (ytd only) | 5.3934% | 3,101 |
| Net charge-offs to loans | 0.6207% | 1,775 |
| Credit loss provision to net charge-offs | 140.9774% | 2,046 |
| Earnings coverage of net charge-offs (x) | 4.3797% | 3,318 |
| Efficiency ratio | 64.7290% | 4,672 |
| Assets per employee ($millions) | 3.8139% | 4,269 |
| Cash dividends to net income (ytd only)* | 52.4108% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 2,683 |
| Loan loss allowance to noncurrent loans | 412.6984% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 5,399 |
| Noncurrent loans to loans | 0.4451% | 5,558 |
| Net loans and leases to total assets | 58.2823% | 4,087 |
| Net loans and leases to deposits | 74.8260% | 3,167 |
| Net loans and leases to core deposits | 81.5673% | 3,018 |
| Total domestic deposits to total assets | 77.8905% | 6,101 |
| Equity capital to assets | 12.4764% | 1,911 |
| Core capital (leverage) ratio | 10.3391% | 3,118 |
| Tier 1 risk-based capital ratio | 15.6069% | 3,475 |
| Total risk-based capital ratio | 16.8534% | 3,441 |
| Memoranda: | ||
| Average total assets | $95,033,250 | 5,012 |
| Average earning assets | $90,207,500 | 4,906 |
| Average equity | $11,223,250 | 4,763 |
| Average total loans | $57,134,500 | 4,880 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 1,125 |
| Cost of funding earning assets | 0.4811% | 5,749 |
| Net interest margin | 4.7778% | 584 |
| Noninterest income to average assets | 0.1074% | 6,640 |
| Noninterest expense to average assets | 3.0002% | 3,253 |
| Loan and lease loss provision to assets | 0.6005% | 994 |
| Net operating income to assets | 1.0471% | 2,259 |
| Return on assets (ROA) | 1.3905% | 1,353 |
| Pretax return on assets | 1.3905% | 2,235 |
| Return on Equity (ROE) | 12.0011% | 1,666 |
| Retained earnings to average equity (ytd only) | 2.9094% | 4,697 |
| Net charge-offs to loans | 0.6247% | 1,759 |
| Credit loss provision to net charge-offs | 159.2179% | 1,749 |
| Earnings coverage of net charge-offs (x) | 4.3687% | 3,108 |
| Efficiency ratio | 64.5512% | 4,792 |
| Assets per employee ($millions) | 3.4728% | 5,041 |
| Cash dividends to net income (ytd only)* | 75.7576% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 2,822 |
| Loan loss allowance to noncurrent loans | 403.5019% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 5,456 |
| Noncurrent loans to loans | 0.4484% | 5,643 |
| Net loans and leases to total assets | 60.0132% | 3,819 |
| Net loans and leases to deposits | 77.2999% | 2,782 |
| Net loans and leases to core deposits | 82.2714% | 2,929 |
| Total domestic deposits to total assets | 77.6369% | 6,224 |
| Equity capital to assets | 12.2422% | 1,970 |
| Core capital (leverage) ratio | 9.8518% | 3,647 |
| Tier 1 risk-based capital ratio | 15.0579% | 3,732 |
| Total risk-based capital ratio | 16.3131% | 3,685 |
| Memoranda: | ||
| Average total assets | $94,928,330 | 5,036 |
| Average earning assets | $90,208,330 | 4,923 |
| Average equity | $10,999,000 | 4,810 |
| Average total loans | $57,309,000 | 4,901 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3402% | 1,025 |
| Cost of funding earning assets | 0.4935% | 5,858 |
| Net interest margin | 4.8467% | 514 |
| Noninterest income to average assets | 0.0628% | 6,886 |
| Noninterest expense to average assets | 2.8814% | 3,701 |
| Loan and lease loss provision to assets | 0.4397% | 1,422 |
| Net operating income to assets | 1.3486% | 1,326 |
| Return on assets (ROA) | 1.3486% | 1,483 |
| Pretax return on assets | 1.3486% | 2,366 |
| Return on Equity (ROE) | 11.9714% | 1,681 |
| Retained earnings to average equity (ytd only) | -6.6177% | 6,697 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7040% | 5,328 |
| Assets per employee ($millions) | 3.7395% | 4,562 |
| Cash dividends to net income (ytd only)* | 155.2795% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 3,032 |
| Loan loss allowance to noncurrent loans | 183.0389% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 5,435 |
| Noncurrent loans to loans | 0.9774% | 4,720 |
| Net loans and leases to total assets | 58.4936% | 3,958 |
| Net loans and leases to deposits | 74.1589% | 3,101 |
| Net loans and leases to core deposits | 78.6717% | 3,234 |
| Total domestic deposits to total assets | 78.8760% | 6,102 |
| Equity capital to assets | 11.0783% | 2,821 |
| Core capital (leverage) ratio | 9.5422% | 3,991 |
| Tier 1 risk-based capital ratio | 14.2688% | 4,266 |
| Total risk-based capital ratio | 15.5231% | 4,235 |
| Memoranda: | ||
| Average total assets | $95,509,500 | 5,047 |
| Average earning assets | $90,783,500 | 4,936 |
| Average equity | $10,759,000 | 4,869 |
| Average total loans | $57,309,000 | 4,929 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5848% | 984 |
| Cost of funding earning assets | 0.6389% | 5,878 |
| Net interest margin | 4.9459% | 463 |
| Noninterest income to average assets | 0.2327% | 5,873 |
| Noninterest expense to average assets | 3.0454% | 3,414 |
| Loan and lease loss provision to assets | 0.6447% | 1,585 |
| Net operating income to assets | 1.2206% | 1,461 |
| Return on assets (ROA) | 1.2249% | 1,547 |
| Pretax return on assets | 1.2249% | 2,369 |
| Return on Equity (ROE) | 11.9420% | 1,417 |
| Retained earnings to average equity (ytd only) | 8.2135% | 1,014 |
| Net charge-offs to loans | 0.7520% | 2,272 |
| Credit loss provision to net charge-offs | 135.0114% | 2,227 |
| Earnings coverage of net charge-offs (x) | 3.9062% | 3,342 |
| Efficiency ratio | 62.0160% | 5,458 |
| Assets per employee ($millions) | 3.6074% | 4,754 |
| Cash dividends to net income (ytd only)* | 31.2221% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 3,410 |
| Loan loss allowance to noncurrent loans | 184.3564% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 5,507 |
| Noncurrent loans to loans | 0.8905% | 4,906 |
| Net loans and leases to total assets | 59.4714% | 4,091 |
| Net loans and leases to deposits | 75.2097% | 3,313 |
| Net loans and leases to core deposits | 79.2161% | 3,547 |
| Total domestic deposits to total assets | 79.0741% | 5,979 |
| Equity capital to assets | 11.4582% | 2,538 |
| Core capital (leverage) ratio | 9.8390% | 3,532 |
| Tier 1 risk-based capital ratio | 14.9034% | 3,698 |
| Total risk-based capital ratio | 16.1558% | 3,669 |
| Memoranda: | ||
| Average total assets | $91,515,000 | 5,147 |
| Average earning assets | $86,556,600 | 5,044 |
| Average equity | $9,387,000 | 5,186 |
| Average total loans | $58,108,800 | 4,941 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6650% | 906 |
| Cost of funding earning assets | 0.6668% | 5,953 |
| Net interest margin | 4.9982% | 414 |
| Noninterest income to average assets | 0.2580% | 5,772 |
| Noninterest expense to average assets | 2.9467% | 3,753 |
| Loan and lease loss provision to assets | 0.7477% | 1,275 |
| Net operating income to assets | 1.2887% | 1,406 |
| Return on assets (ROA) | 1.2945% | 1,488 |
| Pretax return on assets | 1.2945% | 2,304 |
| Return on Equity (ROE) | 13.0132% | 1,273 |
| Retained earnings to average equity (ytd only) | 7.8551% | 1,562 |
| Net charge-offs to loans | 0.5656% | 2,547 |
| Credit loss provision to net charge-offs | 205.6452% | 1,423 |
| Earnings coverage of net charge-offs (x) | 5.6008% | 2,740 |
| Efficiency ratio | 59.1350% | 5,845 |
| Assets per employee ($millions) | 3.5891% | 4,789 |
| Cash dividends to net income (ytd only)* | 39.6382% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 2,912 |
| Loan loss allowance to noncurrent loans | 156.1562% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 5,157 |
| Noncurrent loans to loans | 1.1586% | 4,604 |
| Net loans and leases to total assets | 60.4880% | 4,045 |
| Net loans and leases to deposits | 74.8171% | 3,544 |
| Net loans and leases to core deposits | 79.0048% | 3,772 |
| Total domestic deposits to total assets | 80.8479% | 5,481 |
| Equity capital to assets | 11.2950% | 2,870 |
| Core capital (leverage) ratio | 9.8187% | 3,684 |
| Tier 1 risk-based capital ratio | 14.4043% | 4,047 |
| Total risk-based capital ratio | 15.6584% | 4,014 |
| Memoranda: | ||
| Average total assets | $90,945,500 | 5,203 |
| Average earning assets | $85,976,250 | 5,090 |
| Average equity | $9,047,000 | 5,295 |
| Average total loans | $58,458,250 | 4,970 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7341% | 823 |
| Cost of funding earning assets | 0.6995% | 5,965 |
| Net interest margin | 5.0346% | 377 |
| Noninterest income to average assets | 0.2263% | 6,050 |
| Noninterest expense to average assets | 2.9837% | 3,703 |
| Loan and lease loss provision to assets | 0.7986% | 1,155 |
| Net operating income to assets | 1.2024% | 1,563 |
| Return on assets (ROA) | 1.2112% | 1,621 |
| Pretax return on assets | 1.2112% | 2,437 |
| Return on Equity (ROE) | 12.7729% | 1,249 |
| Retained earnings to average equity (ytd only) | 4.5852% | 3,268 |
| Net charge-offs to loans | 0.7417% | 2,020 |
| Credit loss provision to net charge-offs | 165.1376% | 1,837 |
| Earnings coverage of net charge-offs (x) | 4.1376% | 2,952 |
| Efficiency ratio | 59.8576% | 5,893 |
| Assets per employee ($millions) | 3.8147% | 4,166 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 3,755 |
| Loan loss allowance to noncurrent loans | 134.5029% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 5,193 |
| Noncurrent loans to loans | 1.1783% | 4,682 |
| Net loans and leases to total assets | 62.4039% | 3,813 |
| Net loans and leases to deposits | 75.4357% | 3,572 |
| Net loans and leases to core deposits | 80.1920% | 3,756 |
| Total domestic deposits to total assets | 82.7246% | 4,896 |
| Equity capital to assets | 10.2335% | 3,838 |
| Core capital (leverage) ratio | 9.5211% | 3,925 |
| Tier 1 risk-based capital ratio | 13.7517% | 4,340 |
| Total risk-based capital ratio | 15.0040% | 4,313 |
| Memoranda: | ||
| Average total assets | $90,155,330 | 5,250 |
| Average earning assets | $85,209,670 | 5,153 |
| Average equity | $8,549,330 | 5,441 |
| Average total loans | $58,782,670 | 5,019 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7282% | 837 |
| Cost of funding earning assets | 0.7231% | 6,012 |
| Net interest margin | 5.0051% | 379 |
| Noninterest income to average assets | 0.1163% | 6,831 |
| Noninterest expense to average assets | 3.0093% | 3,604 |
| Loan and lease loss provision to assets | 0.8049% | 1,049 |
| Net operating income to assets | 1.0374% | 2,039 |
| Return on assets (ROA) | 1.0508% | 2,050 |
| Pretax return on assets | 1.0508% | 2,941 |
| Return on Equity (ROE) | 11.5486% | 1,587 |
| Retained earnings to average equity (ytd only) | -5.6515% | 6,567 |
| Net charge-offs to loans | 1.2984% | 1,069 |
| Credit loss provision to net charge-offs | 93.7500% | 2,865 |
| Earnings coverage of net charge-offs (x) | 2.1458% | 3,234 |
| Efficiency ratio | 62.0276% | 5,675 |
| Assets per employee ($millions) | 3.3688% | 5,326 |
| Cash dividends to net income (ytd only)* | 148.9362% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 5,146 |
| Loan loss allowance to noncurrent loans | 110.6936% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 5,190 |
| Noncurrent loans to loans | 1.1719% | 4,742 |
| Net loans and leases to total assets | 64.0775% | 3,427 |
| Net loans and leases to deposits | 78.4861% | 2,981 |
| Net loans and leases to core deposits | 85.9314% | 2,882 |
| Total domestic deposits to total assets | 81.6419% | 5,441 |
| Equity capital to assets | 8.9108% | 5,330 |
| Core capital (leverage) ratio | 9.5444% | 3,739 |
| Tier 1 risk-based capital ratio | 13.0314% | 4,806 |
| Total risk-based capital ratio | 14.1986% | 4,850 |
| Memoranda: | ||
| Average total assets | $89,457,000 | 5,309 |
| Average earning assets | $84,634,500 | 5,203 |
| Average equity | $8,139,500 | 5,567 |
| Average total loans | $59,148,000 | 5,045 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7100% | 1,533 |
| Cost of funding earning assets | 0.9389% | 5,990 |
| Net interest margin | 4.7711% | 700 |
| Noninterest income to average assets | 0.1959% | 6,374 |
| Noninterest expense to average assets | 3.1678% | 3,200 |
| Loan and lease loss provision to assets | 0.7019% | 2,333 |
| Net operating income to assets | 0.8173% | 2,718 |
| Return on assets (ROA) | 0.8231% | 2,841 |
| Pretax return on assets | 0.8231% | 3,560 |
| Return on Equity (ROE) | 8.5489% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.5489% | 829 |
| Net charge-offs to loans | 0.9804% | 2,222 |
| Credit loss provision to net charge-offs | 103.4364% | 4,354 |
| Earnings coverage of net charge-offs (x) | 2.2388% | 4,045 |
| Efficiency ratio | 67.5871% | 4,647 |
| Assets per employee ($millions) | 3.3830% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,935 |
| Loan loss allowance to noncurrent loans | 110.1983% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9266% | 5,158 |
| Noncurrent loans to loans | 1.1916% | 4,725 |
| Net loans and leases to total assets | 66.4745% | 3,360 |
| Net loans and leases to deposits | 80.3587% | 3,104 |
| Net loans and leases to core deposits | 89.4391% | 2,838 |
| Total domestic deposits to total assets | 82.7222% | 4,921 |
| Equity capital to assets | 9.2932% | 4,698 |
| Core capital (leverage) ratio | 9.7907% | 3,329 |
| Tier 1 risk-based capital ratio | 13.1959% | 4,459 |
| Total risk-based capital ratio | 14.3806% | 4,459 |
| Memoranda: | ||
| Average total assets | $85,770,600 | 5,414 |
| Average earning assets | $80,735,600 | 5,315 |
| Average equity | $8,258,400 | 5,633 |
| Average total loans | $59,362,600 | 5,096 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6969% | 1,725 |
| Cost of funding earning assets | 0.9819% | 6,026 |
| Net interest margin | 4.7150% | 811 |
| Noninterest income to average assets | 0.1580% | 6,737 |
| Noninterest expense to average assets | 3.1195% | 3,244 |
| Loan and lease loss provision to assets | 0.7071% | 2,167 |
| Net operating income to assets | 0.7635% | 3,164 |
| Return on assets (ROA) | 0.7635% | 3,319 |
| Pretax return on assets | 0.7635% | 4,038 |
| Return on Equity (ROE) | 7.8586% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.8586% | 1,465 |
| Net charge-offs to loans | 1.0596% | 1,915 |
| Credit loss provision to net charge-offs | 95.7627% | 4,524 |
| Earnings coverage of net charge-offs (x) | 1.9915% | 4,224 |
| Efficiency ratio | 67.9618% | 4,470 |
| Assets per employee ($millions) | 3.2409% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 5,333 |
| Loan loss allowance to noncurrent loans | 93.6548% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 5,048 |
| Noncurrent loans to loans | 1.3156% | 4,666 |
| Net loans and leases to total assets | 67.6083% | 3,307 |
| Net loans and leases to deposits | 86.1625% | 2,301 |
| Net loans and leases to core deposits | 101.6792% | 1,688 |
| Total domestic deposits to total assets | 78.4661% | 6,154 |
| Equity capital to assets | 10.1093% | 4,002 |
| Core capital (leverage) ratio | 9.7423% | 3,567 |
| Tier 1 risk-based capital ratio | 12.8039% | 4,733 |
| Total risk-based capital ratio | 13.9224% | 4,823 |
| Memoranda: | ||
| Average total assets | $85,224,000 | 5,496 |
| Average earning assets | $80,111,750 | 5,403 |
| Average equity | $8,279,500 | 5,699 |
| Average total loans | $59,391,500 | 5,173 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 1,726 |
| Cost of funding earning assets | 1.0204% | 6,051 |
| Net interest margin | 4.6888% | 828 |
| Noninterest income to average assets | 0.1729% | 6,667 |
| Noninterest expense to average assets | 3.1706% | 3,015 |
| Loan and lease loss provision to assets | 0.8572% | 1,698 |
| Net operating income to assets | 0.5517% | 4,083 |
| Return on assets (ROA) | 0.5588% | 4,188 |
| Pretax return on assets | 0.5588% | 4,705 |
| Return on Equity (ROE) | 5.8339% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.8339% | 2,430 |
| Net charge-offs to loans | 1.5703% | 1,209 |
| Credit loss provision to net charge-offs | 77.8495% | 4,770 |
| Earnings coverage of net charge-offs (x) | 1.2796% | 4,547 |
| Efficiency ratio | 69.2347% | 4,325 |
| Assets per employee ($millions) | 3.1863% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,928 |
| Loan loss allowance to noncurrent loans | 207.9365% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 5,811 |
| Noncurrent loans to loans | 0.5303% | 6,195 |
| Net loans and leases to total assets | 68.2863% | 3,295 |
| Net loans and leases to deposits | 86.9512% | 2,349 |
| Net loans and leases to core deposits | 104.1005% | 1,626 |
| Total domestic deposits to total assets | 78.5340% | 6,145 |
| Equity capital to assets | 9.7118% | 4,392 |
| Core capital (leverage) ratio | 9.5317% | 3,776 |
| Tier 1 risk-based capital ratio | 12.5325% | 4,830 |
| Total risk-based capital ratio | 13.5341% | 5,024 |
| Memoranda: | ||
| Average total assets | $84,464,000 | 5,549 |
| Average earning assets | $79,381,330 | 5,463 |
| Average equity | $8,090,670 | 5,766 |
| Average total loans | $59,222,670 | 5,217 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7563% | 1,605 |
| Cost of funding earning assets | 1.0800% | 5,991 |
| Net interest margin | 4.6764% | 825 |
| Noninterest income to average assets | 0.1004% | 7,206 |
| Noninterest expense to average assets | 3.2695% | 2,635 |
| Loan and lease loss provision to assets | 0.7744% | 1,632 |
| Net operating income to assets | 0.4445% | 4,642 |
| Return on assets (ROA) | 0.4541% | 4,723 |
| Pretax return on assets | 0.4541% | 5,115 |
| Return on Equity (ROE) | 4.7748% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.7748% | 3,282 |
| Net charge-offs to loans | 0.8591% | 1,822 |
| Credit loss provision to net charge-offs | 127.5591% | 2,763 |
| Earnings coverage of net charge-offs (x) | 2.0079% | 3,537 |
| Efficiency ratio | 72.8435% | 3,787 |
| Assets per employee ($millions) | 3.1770% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 4,690 |
| Loan loss allowance to noncurrent loans | 172.0174% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 5,695 |
| Noncurrent loans to loans | 0.7833% | 5,756 |
| Net loans and leases to total assets | 67.6899% | 3,468 |
| Net loans and leases to deposits | 83.6438% | 3,002 |
| Net loans and leases to core deposits | 99.7835% | 2,157 |
| Total domestic deposits to total assets | 80.9263% | 5,484 |
| Equity capital to assets | 9.3963% | 4,677 |
| Core capital (leverage) ratio | 9.3157% | 4,025 |
| Tier 1 risk-based capital ratio | 12.3794% | 4,850 |
| Total risk-based capital ratio | 13.5981% | 4,826 |
| Memoranda: | ||
| Average total assets | $83,681,500 | 5,642 |
| Average earning assets | $78,522,000 | 5,561 |
| Average equity | $7,958,500 | 5,864 |
| Average total loans | $59,133,500 | 5,285 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3659% | 896 |
| Cost of funding earning assets | 1.4853% | 5,570 |
| Net interest margin | 4.8806% | 584 |
| Noninterest income to average assets | 0.2364% | 6,409 |
| Noninterest expense to average assets | 3.3279% | 2,916 |
| Loan and lease loss provision to assets | 1.3865% | 1,653 |
| Net operating income to assets | 0.0974% | 5,221 |
| Return on assets (ROA) | 0.2032% | 4,954 |
| Pretax return on assets | 0.2032% | 5,001 |
| Return on Equity (ROE) | 2.2170% | 4,824 |
| Retained earnings to average equity (ytd only) | -1.0242% | 5,265 |
| Net charge-offs to loans | 1.6443% | 1,540 |
| Credit loss provision to net charge-offs | 110.8262% | 4,965 |
| Earnings coverage of net charge-offs (x) | 1.1861% | 4,936 |
| Efficiency ratio | 69.1605% | 4,794 |
| Assets per employee ($millions) | 2.9138% | 6,424 |
| Cash dividends to net income (ytd only)* | 146.1988% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 4,902 |
| Loan loss allowance to noncurrent loans | 101.2016% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 4,996 |
| Noncurrent loans to loans | 1.2607% | 4,831 |
| Net loans and leases to total assets | 71.8919% | 2,772 |
| Net loans and leases to deposits | 85.2787% | 3,033 |
| Net loans and leases to core deposits | 99.4675% | 4,052 |
| Total domestic deposits to total assets | 84.3023% | 3,891 |
| Equity capital to assets | 9.6304% | 4,239 |
| Core capital (leverage) ratio | 9.3532% | 3,895 |
| Tier 1 risk-based capital ratio | 12.2934% | 4,694 |
| Total risk-based capital ratio | 13.4641% | 4,719 |
| Memoranda: | ||
| Average total assets | $84,166,400 | 5,589 |
| Average earning assets | $78,905,000 | 5,493 |
| Average equity | $7,713,200 | 6,020 |
| Average total loans | $64,040,600 | 5,101 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1301% | 1,553 |
| Cost of funding earning assets | 1.5510% | 5,630 |
| Net interest margin | 4.5792% | 1,026 |
| Noninterest income to average assets | 0.1855% | 6,891 |
| Noninterest expense to average assets | 3.3092% | 2,879 |
| Loan and lease loss provision to assets | 1.6302% | 1,150 |
| Net operating income to assets | -0.4559% | 6,380 |
| Return on assets (ROA) | -0.3411% | 6,267 |
| Pretax return on assets | -0.3411% | 6,138 |
| Return on Equity (ROE) | -3.7687% | 6,318 |
| Retained earnings to average equity (ytd only) | -8.1103% | 6,616 |
| Net charge-offs to loans | 1.9305% | 1,031 |
| Credit loss provision to net charge-offs | 109.8517% | 4,629 |
| Earnings coverage of net charge-offs (x) | 0.7913% | 5,262 |
| Efficiency ratio | 73.8079% | 3,895 |
| Assets per employee ($millions) | 3.1641% | 5,742 |
| Cash dividends to net income (ytd only)* | -115.2075% | 8,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 5,215 |
| Loan loss allowance to noncurrent loans | 127.7296% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 5,498 |
| Noncurrent loans to loans | 0.9253% | 5,441 |
| Net loans and leases to total assets | 72.1299% | 3,006 |
| Net loans and leases to deposits | 88.2116% | 2,918 |
| Net loans and leases to core deposits | 103.7774% | 3,967 |
| Total domestic deposits to total assets | 81.7691% | 4,783 |
| Equity capital to assets | 8.8995% | 5,636 |
| Core capital (leverage) ratio | 8.9991% | 4,652 |
| Tier 1 risk-based capital ratio | 11.1949% | 5,763 |
| Total risk-based capital ratio | 12.2844% | 5,879 |
| Memoranda: | ||
| Average total assets | $84,811,750 | 5,594 |
| Average earning assets | $79,605,000 | 5,502 |
| Average equity | $7,677,250 | 6,090 |
| Average total loans | $65,198,000 | 5,099 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1795% | 1,526 |
| Cost of funding earning assets | 1.6324% | 5,596 |
| Net interest margin | 4.5471% | 1,059 |
| Noninterest income to average assets | 0.2931% | 6,160 |
| Noninterest expense to average assets | 3.3922% | 2,654 |
| Loan and lease loss provision to assets | 1.8462% | 890 |
| Net operating income to assets | -0.6784% | 6,731 |
| Return on assets (ROA) | -0.6784% | 6,737 |
| Pretax return on assets | -0.6784% | 6,583 |
| Return on Equity (ROE) | -7.4526% | 6,848 |
| Retained earnings to average equity (ytd only) | -13.9444% | 7,180 |
| Net charge-offs to loans | 1.4151% | 1,330 |
| Credit loss provision to net charge-offs | 166.8803% | 2,749 |
| Earnings coverage of net charge-offs (x) | 1.0556% | 4,733 |
| Efficiency ratio | 74.3909% | 3,973 |
| Assets per employee ($millions) | 2.9591% | 6,239 |
| Cash dividends to net income (ytd only)* | -87.1080% | 8,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 3,426 |
| Loan loss allowance to noncurrent loans | 64.5314% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.9214% | 3,317 |
| Noncurrent loans to loans | 2.2575% | 3,177 |
| Net loans and leases to total assets | 78.1295% | 1,716 |
| Net loans and leases to deposits | 95.6628% | 1,848 |
| Net loans and leases to core deposits | 107.7552% | 3,637 |
| Total domestic deposits to total assets | 81.6718% | 4,822 |
| Equity capital to assets | 9.0627% | 5,223 |
| Core capital (leverage) ratio | 9.2172% | 4,280 |
| Tier 1 risk-based capital ratio | 10.7854% | 6,102 |
| Total risk-based capital ratio | 12.0347% | 6,035 |
| Memoranda: | ||
| Average total assets | $84,605,000 | 5,626 |
| Average earning assets | $79,391,670 | 5,549 |
| Average equity | $7,702,000 | 6,120 |
| Average total loans | $66,144,330 | 5,105 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1586% | 1,731 |
| Cost of funding earning assets | 1.7425% | 5,400 |
| Net interest margin | 4.4160% | 1,310 |
| Noninterest income to average assets | 0.3088% | 5,974 |
| Noninterest expense to average assets | 3.2897% | 2,688 |
| Loan and lease loss provision to assets | 0.9125% | 1,430 |
| Net operating income to assets | 0.2574% | 5,455 |
| Return on assets (ROA) | 0.2574% | 5,619 |
| Pretax return on assets | 0.2574% | 5,794 |
| Return on Equity (ROE) | 2.8211% | 5,440 |
| Retained earnings to average equity (ytd only) | 0.2565% | 5,553 |
| Net charge-offs to loans | 1.3259% | 1,056 |
| Credit loss provision to net charge-offs | 88.6364% | 4,032 |
| Earnings coverage of net charge-offs (x) | 1.1364% | 4,183 |
| Efficiency ratio | 73.7671% | 3,864 |
| Assets per employee ($millions) | 3.1997% | 5,592 |
| Cash dividends to net income (ytd only)* | 90.9091% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 6,502 |
| Loan loss allowance to noncurrent loans | 36.6489% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 2.2190% | 2,576 |
| Noncurrent loans to loans | 2.5876% | 2,546 |
| Net loans and leases to total assets | 77.7166% | 1,889 |
| Net loans and leases to deposits | 97.7991% | 1,695 |
| Net loans and leases to core deposits | 108.6275% | 3,601 |
| Total domestic deposits to total assets | 79.4656% | 5,556 |
| Equity capital to assets | 9.2833% | 4,960 |
| Core capital (leverage) ratio | 8.6803% | 5,184 |
| Tier 1 risk-based capital ratio | 11.0233% | 5,893 |
| Total risk-based capital ratio | 11.9160% | 6,132 |
| Memoranda: | ||
| Average total assets | $85,479,500 | 5,629 |
| Average earning assets | $80,343,500 | 5,540 |
| Average equity | $7,798,500 | 6,125 |
| Average total loans | $66,370,500 | 5,123 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8631% | 1,507 |
| Cost of funding earning assets | 2.0939% | 6,077 |
| Net interest margin | 4.7691% | 836 |
| Noninterest income to average assets | 0.3764% | 5,679 |
| Noninterest expense to average assets | 3.5690% | 2,221 |
| Loan and lease loss provision to assets | 0.3764% | 3,428 |
| Net operating income to assets | 0.9083% | 2,964 |
| Return on assets (ROA) | 0.9182% | 2,773 |
| Pretax return on assets | 0.8960% | 3,740 |
| Return on Equity (ROE) | 9.9524% | 2,282 |
| Retained earnings to average equity (ytd only) | 6.6082% | 1,293 |
| Net charge-offs to loans | 0.4774% | 2,447 |
| Credit loss provision to net charge-offs | 99.6732% | 5,387 |
| Earnings coverage of net charge-offs (x) | 3.3431% | 4,412 |
| Efficiency ratio | 73.8697% | 3,599 |
| Assets per employee ($millions) | 3.1345% | 5,668 |
| Cash dividends to net income (ytd only)* | 33.6022% | 3,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 6,376 |
| Loan loss allowance to noncurrent loans | 173.5849% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 5,792 |
| Noncurrent loans to loans | 0.5499% | 5,716 |
| Net loans and leases to total assets | 76.1380% | 2,582 |
| Net loans and leases to deposits | 96.7342% | 2,328 |
| Net loans and leases to core deposits | 105.4838% | 4,245 |
| Total domestic deposits to total assets | 78.7084% | 5,479 |
| Equity capital to assets | 8.9715% | 5,402 |
| Core capital (leverage) ratio | 8.7918% | 5,049 |
| Tier 1 risk-based capital ratio | 10.6491% | 6,048 |
| Total risk-based capital ratio | 11.5468% | 6,299 |
| Memoranda: | ||
| Average total assets | $81,030,000 | 5,659 |
| Average earning assets | $75,695,000 | 5,601 |
| Average equity | $7,475,600 | 6,286 |
| Average total loans | $64,096,600 | 5,097 |