Home > Security Bank of Texas > Performance and Condition Ratios
Security Bank of Texas, Performance and Condition Ratios
| 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 | 7.8209% | 187 |
| Cost of funding earning assets | 2.7090% | 827 |
| Net interest margin | 5.1119% | 290 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 3.2492% | 824 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.2825% | 1,331 |
| Return on assets (ROA) | 1.2825% | 1,334 |
| Pretax return on assets | 1.6005% | 1,114 |
| Return on Equity (ROE) | 10.2800% | 2,075 |
| Retained earnings to average equity (ytd only) | 9.2610% | 734 |
| Net charge-offs to loans | 0.0183% | 2,260 |
| Credit loss provision to net charge-offs | 788.2353% | 457 |
| Earnings coverage of net charge-offs (x) | 132.8235% | 670 |
| Efficiency ratio | 65.6317% | 2,526 |
| Assets per employee ($millions) | 5.1665% | 3,528 |
| Cash dividends to net income (ytd only)* | 9.9295% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,220 |
| Loan loss allowance to noncurrent loans | 653.9535% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 2,041 |
| Noncurrent loans to loans | 0.2182% | 2,638 |
| Net loans and leases to total assets | 72.3100% | 1,634 |
| Net loans and leases to deposits | 84.8476% | 1,699 |
| Net loans and leases to core deposits | 104.8829% | 1,187 |
| Total domestic deposits to total assets | 85.2200% | 2,456 |
| Equity capital to assets | 13.9599% | 685 |
| Core capital (leverage) ratio | 13.7722% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $132,707,800 | 3,513 |
| Average earning assets | $118,899,400 | 3,529 |
| Average equity | $16,553,200 | 3,214 |
| Average total loans | $92,960,400 | 3,278 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6973% | 208 |
| Cost of funding earning assets | 2.7452% | 777 |
| Net interest margin | 4.9521% | 354 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 3.1241% | 937 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.2557% | 1,406 |
| Return on assets (ROA) | 1.2557% | 1,406 |
| Pretax return on assets | 1.5620% | 1,216 |
| Return on Equity (ROE) | 10.3800% | 2,088 |
| Retained earnings to average equity (ytd only) | 9.6393% | 924 |
| Net charge-offs to loans | 0.0932% | 1,028 |
| Credit loss provision to net charge-offs | 151.5625% | 1,281 |
| Earnings coverage of net charge-offs (x) | 25.7344% | 1,615 |
| Efficiency ratio | 65.3044% | 2,554 |
| Assets per employee ($millions) | 5.4812% | 3,290 |
| Cash dividends to net income (ytd only)* | 7.1429% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 1,170 |
| Loan loss allowance to noncurrent loans | 612.0370% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 1,838 |
| Noncurrent loans to loans | 0.2377% | 2,584 |
| Net loans and leases to total assets | 65.3500% | 2,386 |
| Net loans and leases to deposits | 76.3367% | 2,499 |
| Net loans and leases to core deposits | 95.9753% | 1,755 |
| Total domestic deposits to total assets | 85.6000% | 2,081 |
| Equity capital to assets | 13.4118% | 853 |
| Core capital (leverage) ratio | 13.6385% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $132,302,750 | 3,518 |
| Average earning assets | $118,653,750 | 3,543 |
| Average equity | $16,003,500 | 3,252 |
| Average total loans | $91,566,250 | 3,295 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6360% | 208 |
| Cost of funding earning assets | 2.7457% | 717 |
| Net interest margin | 4.8903% | 378 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 3.0353% | 1,061 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.2545% | 1,356 |
| Return on assets (ROA) | 1.2545% | 1,357 |
| Pretax return on assets | 1.5651% | 1,169 |
| Return on Equity (ROE) | 10.7800% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.6626% | 753 |
| Net charge-offs to loans | 0.1569% | 651 |
| Credit loss provision to net charge-offs | 83.3333% | 1,622 |
| Earnings coverage of net charge-offs (x) | 15.0417% | 1,791 |
| Efficiency ratio | 64.6886% | 2,683 |
| Assets per employee ($millions) | 5.1522% | 3,497 |
| Cash dividends to net income (ytd only)* | 1.0976% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 1,522 |
| Loan loss allowance to noncurrent loans | 1,021.6000% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 2,033 |
| Noncurrent loans to loans | 0.1327% | 2,981 |
| Net loans and leases to total assets | 69.3800% | 1,979 |
| Net loans and leases to deposits | 80.9387% | 2,121 |
| Net loans and leases to core deposits | 103.9845% | 1,262 |
| Total domestic deposits to total assets | 85.7100% | 2,072 |
| Equity capital to assets | 13.4432% | 780 |
| Core capital (leverage) ratio | 14.0502% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $130,727,333 | 3,541 |
| Average earning assets | $116,762,667 | 3,572 |
| Average equity | $15,212,000 | 3,299 |
| Average total loans | $91,800,000 | 3,296 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6034% | 210 |
| Cost of funding earning assets | 2.7996% | 602 |
| Net interest margin | 4.8038% | 410 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 2.9432% | 1,155 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.2702% | 1,289 |
| Return on assets (ROA) | 1.2702% | 1,302 |
| Pretax return on assets | 1.5831% | 1,122 |
| Return on Equity (ROE) | 11.8700% | 1,601 |
| Retained earnings to average equity (ytd only) | 11.8720% | 757 |
| Net charge-offs to loans | 0.3665% | 250 |
| Credit loss provision to net charge-offs | 28.9157% | 1,491 |
| Earnings coverage of net charge-offs (x) | 6.4458% | 1,811 |
| Efficiency ratio | 63.9731% | 2,822 |
| Assets per employee ($millions) | 7.1817% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 1,555 |
| Loan loss allowance to noncurrent loans | 768.7500% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 1,828 |
| Noncurrent loans to loans | 0.1761% | 2,740 |
| Net loans and leases to total assets | 69.3400% | 1,879 |
| Net loans and leases to deposits | 78.4239% | 2,197 |
| Net loans and leases to core deposits | 101.4935% | 1,325 |
| Total domestic deposits to total assets | 88.4200% | 1,288 |
| Equity capital to assets | 10.8463% | 1,561 |
| Core capital (leverage) ratio | 10.8963% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $129,113,000 | 3,565 |
| Average earning assets | $115,158,500 | 3,606 |
| Average equity | $13,814,000 | 3,427 |
| Average total loans | $90,595,000 | 3,313 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0069% | 220 |
| Cost of funding earning assets | 2.2129% | 627 |
| Net interest margin | 4.7941% | 420 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.7751% | 1,564 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.2698% | 1,495 |
| Return on assets (ROA) | 1.2698% | 1,466 |
| Pretax return on assets | 1.5856% | 1,259 |
| Return on Equity (ROE) | 12.7800% | 1,782 |
| Retained earnings to average equity (ytd only) | 12.7784% | 532 |
| Net charge-offs to loans | 0.2999% | 361 |
| Credit loss provision to net charge-offs | 111.7021% | 1,745 |
| Earnings coverage of net charge-offs (x) | 8.2553% | 2,356 |
| Efficiency ratio | 60.2119% | 3,058 |
| Assets per employee ($millions) | 7.1642% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,286 |
| Loan loss allowance to noncurrent loans | 75.2481% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 309 |
| Noncurrent loans to loans | 1.8965% | 308 |
| Net loans and leases to total assets | 69.0400% | 1,916 |
| Net loans and leases to deposits | 77.7637% | 2,288 |
| Net loans and leases to core deposits | 100.6443% | 1,395 |
| Total domestic deposits to total assets | 88.7800% | 1,130 |
| Equity capital to assets | 10.5517% | 1,705 |
| Core capital (leverage) ratio | 10.6457% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $126,952,200 | 3,578 |
| Average earning assets | $114,287,000 | 3,598 |
| Average equity | $12,615,000 | 3,474 |
| Average total loans | $94,032,200 | 3,240 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8027% | 233 |
| Cost of funding earning assets | 2.0193% | 684 |
| Net interest margin | 4.7834% | 420 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.7720% | 1,494 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.2094% | 1,769 |
| Return on assets (ROA) | 1.2094% | 1,758 |
| Pretax return on assets | 1.5088% | 1,538 |
| Return on Equity (ROE) | 12.3700% | 2,035 |
| Retained earnings to average equity (ytd only) | 12.3659% | 910 |
| Net charge-offs to loans | 0.2499% | 354 |
| Credit loss provision to net charge-offs | 169.6629% | 1,229 |
| Earnings coverage of net charge-offs (x) | 9.7360% | 2,157 |
| Efficiency ratio | 60.2705% | 2,934 |
| Assets per employee ($millions) | 7.2835% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 1,154 |
| Loan loss allowance to noncurrent loans | 2,123.0769% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,313 |
| Noncurrent loans to loans | 0.0699% | 3,257 |
| Net loans and leases to total assets | 69.9200% | 1,836 |
| Net loans and leases to deposits | 78.3650% | 2,213 |
| Net loans and leases to core deposits | 102.0323% | 1,212 |
| Total domestic deposits to total assets | 89.2300% | 1,180 |
| Equity capital to assets | 10.0158% | 1,825 |
| Core capital (leverage) ratio | 10.3012% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $126,451,250 | 3,599 |
| Average earning assets | $114,030,750 | 3,619 |
| Average equity | $12,367,000 | 3,492 |
| Average total loans | $94,959,500 | 3,233 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5957% | 236 |
| Cost of funding earning assets | 1.8903% | 624 |
| Net interest margin | 4.7054% | 454 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.7734% | 1,474 |
| Loan and lease loss provision to assets | 0.3900% | 217 |
| Net operating income to assets | 1.1081% | 2,104 |
| Return on assets (ROA) | 1.1081% | 2,092 |
| Pretax return on assets | 1.3803% | 1,863 |
| Return on Equity (ROE) | 11.4300% | 2,316 |
| Retained earnings to average equity (ytd only) | 11.4264% | 1,092 |
| Net charge-offs to loans | 0.3891% | 214 |
| Credit loss provision to net charge-offs | 129.5699% | 1,290 |
| Earnings coverage of net charge-offs (x) | 5.9301% | 2,146 |
| Efficiency ratio | 61.0935% | 2,830 |
| Assets per employee ($millions) | 7.1439% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 1,678 |
| Loan loss allowance to noncurrent loans | 1,820.8333% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,214 |
| Noncurrent loans to loans | 0.0746% | 3,153 |
| Net loans and leases to total assets | 74.0600% | 1,284 |
| Net loans and leases to deposits | 82.7804% | 1,777 |
| Net loans and leases to core deposits | 101.1051% | 1,181 |
| Total domestic deposits to total assets | 89.4700% | 1,088 |
| Equity capital to assets | 9.8686% | 1,927 |
| Core capital (leverage) ratio | 10.0219% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $124,900,667 | 3,627 |
| Average earning assets | $112,891,333 | 3,646 |
| Average equity | $12,112,333 | 3,526 |
| Average total loans | $95,595,000 | 3,227 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3459% | 214 |
| Cost of funding earning assets | 1.7206% | 546 |
| Net interest margin | 4.6253% | 490 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.7597% | 1,530 |
| Loan and lease loss provision to assets | 0.3400% | 246 |
| Net operating income to assets | 1.1019% | 2,220 |
| Return on assets (ROA) | 1.1019% | 2,186 |
| Pretax return on assets | 1.4010% | 1,878 |
| Return on Equity (ROE) | 11.4700% | 2,361 |
| Retained earnings to average equity (ytd only) | 11.4687% | 1,364 |
| Net charge-offs to loans | 0.8495% | 89 |
| Credit loss provision to net charge-offs | 51.9802% | 1,297 |
| Earnings coverage of net charge-offs (x) | 2.6535% | 1,920 |
| Efficiency ratio | 61.2996% | 2,777 |
| Assets per employee ($millions) | 6.9221% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,554 |
| Loan loss allowance to noncurrent loans | 1,609.7222% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,210 |
| Noncurrent loans to loans | 0.0745% | 3,204 |
| Net loans and leases to total assets | 76.6000% | 916 |
| Net loans and leases to deposits | 85.7641% | 1,374 |
| Net loans and leases to core deposits | 104.1342% | 918 |
| Total domestic deposits to total assets | 89.3100% | 1,415 |
| Equity capital to assets | 9.8942% | 1,873 |
| Core capital (leverage) ratio | 10.1525% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $123,056,000 | 3,695 |
| Average earning assets | $111,820,500 | 3,699 |
| Average equity | $11,823,500 | 3,586 |
| Average total loans | $95,118,000 | 3,269 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6824% | 124 |
| Cost of funding earning assets | 0.5863% | 958 |
| Net interest margin | 5.0961% | 124 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.9404% | 1,064 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.5348% | 804 |
| Return on assets (ROA) | 1.5341% | 780 |
| Pretax return on assets | 1.9238% | 549 |
| Return on Equity (ROE) | 16.1000% | 1,035 |
| Retained earnings to average equity (ytd only) | 16.0982% | 220 |
| Net charge-offs to loans | 0.0289% | 1,487 |
| Credit loss provision to net charge-offs | 1,040.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 94.1600% | 1,001 |
| Efficiency ratio | 57.6085% | 3,398 |
| Assets per employee ($millions) | 7.1479% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 1,717 |
| Loan loss allowance to noncurrent loans | 621.7822% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 2,382 |
| Noncurrent loans to loans | 0.2157% | 2,414 |
| Net loans and leases to total assets | 76.0200% | 1,007 |
| Net loans and leases to deposits | 84.4595% | 1,429 |
| Net loans and leases to core deposits | 99.6731% | 1,021 |
| Total domestic deposits to total assets | 90.0100% | 1,360 |
| Equity capital to assets | 9.3150% | 2,144 |
| Core capital (leverage) ratio | 10.1217% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $108,793,800 | 3,848 |
| Average earning assets | $103,020,200 | 3,807 |
| Average equity | $10,367,600 | 3,826 |
| Average total loans | $86,503,200 | 3,327 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5595% | 106 |
| Cost of funding earning assets | 0.4337% | 1,082 |
| Net interest margin | 5.1258% | 102 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 3.0046% | 900 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.5311% | 776 |
| Return on assets (ROA) | 1.5301% | 763 |
| Pretax return on assets | 1.9189% | 557 |
| Return on Equity (ROE) | 15.9500% | 991 |
| Retained earnings to average equity (ytd only) | 15.9526% | 282 |
| Net charge-offs to loans | 0.0425% | 1,066 |
| Credit loss provision to net charge-offs | 718.5185% | 507 |
| Earnings coverage of net charge-offs (x) | 63.5185% | 1,144 |
| Efficiency ratio | 58.1197% | 3,368 |
| Assets per employee ($millions) | 6.2705% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 1,938 |
| Loan loss allowance to noncurrent loans | 2,284.6154% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,410 |
| Noncurrent loans to loans | 0.0578% | 3,466 |
| Net loans and leases to total assets | 83.2500% | 304 |
| Net loans and leases to deposits | 93.4504% | 666 |
| Net loans and leases to core deposits | 102.5799% | 716 |
| Total domestic deposits to total assets | 89.0900% | 2,050 |
| Equity capital to assets | 10.2084% | 1,520 |
| Core capital (leverage) ratio | 10.3941% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $105,613,750 | 3,902 |
| Average earning assets | $100,846,250 | 3,858 |
| Average equity | $10,129,750 | 3,904 |
| Average total loans | $84,719,750 | 3,359 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3979% | 110 |
| Cost of funding earning assets | 0.4018% | 903 |
| Net interest margin | 4.9961% | 105 |
| Noninterest income to average assets | 0.2564% | 3,636 |
| Noninterest expense to average assets | 2.9843% | 862 |
| Loan and lease loss provision to assets | 0.2431% | 305 |
| Net operating income to assets | 1.4319% | 834 |
| Return on assets (ROA) | 1.4304% | 822 |
| Pretax return on assets | 1.7989% | 599 |
| Return on Equity (ROE) | 15.2445% | 845 |
| Retained earnings to average equity (ytd only) | 15.2445% | 244 |
| Net charge-offs to loans | -0.0072% | 3,461 |
| Credit loss provision to net charge-offs | -4,266.6667% | 3,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3502% | 3,391 |
| Assets per employee ($millions) | 5.6370% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 2,109 |
| Loan loss allowance to noncurrent loans | 2,809.7561% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,585 |
| Noncurrent loans to loans | 0.0469% | 3,595 |
| Net loans and leases to total assets | 85.0748% | 131 |
| Net loans and leases to deposits | 95.5418% | 452 |
| Net loans and leases to core deposits | 113.1810% | 293 |
| Total domestic deposits to total assets | 89.0446% | 2,164 |
| Equity capital to assets | 10.3552% | 1,505 |
| Core capital (leverage) ratio | 10.0002% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,285,667 | 3,942 |
| Average earning assets | $100,558,333 | 3,912 |
| Average equity | $9,879,000 | 4,007 |
| Average total loans | $82,981,333 | 3,412 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2255% | 119 |
| Cost of funding earning assets | 0.3738% | 1,031 |
| Net interest margin | 4.8517% | 112 |
| Noninterest income to average assets | 0.2164% | 3,861 |
| Noninterest expense to average assets | 2.9516% | 880 |
| Loan and lease loss provision to assets | 0.2314% | 295 |
| Net operating income to assets | 1.3276% | 944 |
| Return on assets (ROA) | 1.3247% | 938 |
| Pretax return on assets | 1.6792% | 712 |
| Return on Equity (ROE) | 14.8458% | 679 |
| Retained earnings to average equity (ytd only) | 14.8458% | 301 |
| Net charge-offs to loans | -0.0099% | 3,585 |
| Credit loss provision to net charge-offs | -3,100.0000% | 3,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6595% | 3,414 |
| Assets per employee ($millions) | 6.2231% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 2,148 |
| Loan loss allowance to noncurrent loans | 2,646.3415% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 3,646 |
| Noncurrent loans to loans | 0.0507% | 3,619 |
| Net loans and leases to total assets | 75.4001% | 545 |
| Net loans and leases to deposits | 83.7538% | 897 |
| Net loans and leases to core deposits | 101.3455% | 463 |
| Total domestic deposits to total assets | 90.0258% | 1,550 |
| Equity capital to assets | 9.2341% | 2,498 |
| Core capital (leverage) ratio | 9.0817% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,195,500 | 3,945 |
| Average earning assets | $102,727,000 | 3,903 |
| Average equity | $9,565,000 | 4,105 |
| Average total loans | $80,735,000 | 3,449 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3991% | 147 |
| Cost of funding earning assets | 0.6062% | 529 |
| Net interest margin | 4.7928% | 178 |
| Noninterest income to average assets | 0.1994% | 4,167 |
| Noninterest expense to average assets | 3.2670% | 660 |
| Loan and lease loss provision to assets | 0.1882% | 592 |
| Net operating income to assets | 1.0556% | 2,462 |
| Return on assets (ROA) | 1.0556% | 2,535 |
| Pretax return on assets | 1.3370% | 2,246 |
| Return on Equity (ROE) | 12.1214% | 1,773 |
| Retained earnings to average equity (ytd only) | 12.1214% | 525 |
| Net charge-offs to loans | -0.0163% | 3,907 |
| Credit loss provision to net charge-offs | -1,550.0000% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1732% | 1,953 |
| Assets per employee ($millions) | 6.0332% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,522 |
| Loan loss allowance to noncurrent loans | 2,490.2439% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,753 |
| Noncurrent loans to loans | 0.0509% | 3,714 |
| Net loans and leases to total assets | 73.2942% | 723 |
| Net loans and leases to deposits | 80.7696% | 1,153 |
| Net loans and leases to core deposits | 98.0524% | 608 |
| Total domestic deposits to total assets | 90.7448% | 605 |
| Equity capital to assets | 8.6199% | 3,968 |
| Core capital (leverage) ratio | 9.1858% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,806,000 | 4,000 |
| Average earning assets | $94,683,000 | 3,969 |
| Average equity | $8,604,600 | 4,277 |
| Average total loans | $73,724,400 | 3,589 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 151 |
| Cost of funding earning assets | 0.6811% | 426 |
| Net interest margin | 4.7718% | 203 |
| Noninterest income to average assets | 0.1909% | 4,251 |
| Noninterest expense to average assets | 3.3015% | 599 |
| Loan and lease loss provision to assets | 0.1650% | 665 |
| Net operating income to assets | 1.0115% | 2,862 |
| Return on assets (ROA) | 1.0115% | 2,928 |
| Pretax return on assets | 1.2813% | 2,674 |
| Return on Equity (ROE) | 11.5815% | 2,185 |
| Retained earnings to average equity (ytd only) | 11.5815% | 920 |
| Net charge-offs to loans | -0.0074% | 3,561 |
| Credit loss provision to net charge-offs | -2,975.0000% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5424% | 1,648 |
| Assets per employee ($millions) | 5.2097% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,893 |
| Loan loss allowance to noncurrent loans | 340.2878% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 2,377 |
| Noncurrent loans to loans | 0.3585% | 2,492 |
| Net loans and leases to total assets | 77.3794% | 438 |
| Net loans and leases to deposits | 85.8658% | 831 |
| Net loans and leases to core deposits | 103.0279% | 492 |
| Total domestic deposits to total assets | 90.1167% | 724 |
| Equity capital to assets | 9.1408% | 3,712 |
| Core capital (leverage) ratio | 9.1066% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,358,000 | 4,076 |
| Average earning assets | $92,009,750 | 4,042 |
| Average equity | $8,415,500 | 4,359 |
| Average total loans | $72,001,250 | 3,665 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 234 |
| Cost of funding earning assets | 0.7658% | 341 |
| Net interest margin | 4.4916% | 357 |
| Noninterest income to average assets | 0.1759% | 4,322 |
| Noninterest expense to average assets | 3.3116% | 605 |
| Loan and lease loss provision to assets | 0.1550% | 758 |
| Net operating income to assets | 0.7855% | 3,553 |
| Return on assets (ROA) | 0.7855% | 3,619 |
| Pretax return on assets | 0.9845% | 3,477 |
| Return on Equity (ROE) | 9.1411% | 3,054 |
| Retained earnings to average equity (ytd only) | 9.1411% | 1,668 |
| Net charge-offs to loans | -0.0057% | 3,473 |
| Credit loss provision to net charge-offs | -3,700.0000% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4000% | 1,214 |
| Assets per employee ($millions) | 5.6283% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 3,126 |
| Loan loss allowance to noncurrent loans | 235.9580% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 2,102 |
| Noncurrent loans to loans | 0.4925% | 2,204 |
| Net loans and leases to total assets | 75.4743% | 640 |
| Net loans and leases to deposits | 83.2468% | 1,110 |
| Net loans and leases to core deposits | 100.9706% | 629 |
| Total domestic deposits to total assets | 90.6633% | 490 |
| Equity capital to assets | 8.4691% | 4,226 |
| Core capital (leverage) ratio | 8.6804% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,482,333 | 4,114 |
| Average earning assets | $90,881,667 | 4,075 |
| Average equity | $8,204,667 | 4,399 |
| Average total loans | $70,155,000 | 3,717 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 360 |
| Cost of funding earning assets | 0.8093% | 332 |
| Net interest margin | 4.1812% | 622 |
| Noninterest income to average assets | 0.1815% | 4,285 |
| Noninterest expense to average assets | 3.3618% | 549 |
| Loan and lease loss provision to assets | 0.1599% | 793 |
| Net operating income to assets | 0.5358% | 4,103 |
| Return on assets (ROA) | 0.5358% | 4,142 |
| Pretax return on assets | 0.6784% | 4,062 |
| Return on Equity (ROE) | 6.1869% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.1869% | 2,833 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0412% | 820 |
| Assets per employee ($millions) | 5.7359% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,744 |
| Loan loss allowance to noncurrent loans | 106.6998% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 1,073 |
| Noncurrent loans to loans | 1.1557% | 1,151 |
| Net loans and leases to total assets | 70.6430% | 1,200 |
| Net loans and leases to deposits | 77.7735% | 1,742 |
| Net loans and leases to core deposits | 93.0890% | 1,039 |
| Total domestic deposits to total assets | 90.8317% | 461 |
| Equity capital to assets | 8.5417% | 4,081 |
| Core capital (leverage) ratio | 8.7917% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,568,500 | 4,155 |
| Average earning assets | $88,970,000 | 4,114 |
| Average equity | $8,017,000 | 4,427 |
| Average total loans | $66,551,500 | 3,803 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4994% | 190 |
| Cost of funding earning assets | 1.2406% | 234 |
| Net interest margin | 4.2588% | 550 |
| Noninterest income to average assets | 0.1632% | 4,478 |
| Noninterest expense to average assets | 3.2141% | 1,032 |
| Loan and lease loss provision to assets | 0.1816% | 2,127 |
| Net operating income to assets | 0.7741% | 3,191 |
| Return on assets (ROA) | 0.7741% | 3,315 |
| Pretax return on assets | 0.7851% | 3,662 |
| Return on Equity (ROE) | 8.6643% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.6643% | 863 |
| Net charge-offs to loans | -0.0266% | 4,498 |
| Credit loss provision to net charge-offs | -925.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8779% | 1,131 |
| Assets per employee ($millions) | 5.1545% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,419 |
| Loan loss allowance to noncurrent loans | 442.4731% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 3,229 |
| Noncurrent loans to loans | 0.2936% | 3,146 |
| Net loans and leases to total assets | 71.3661% | 1,384 |
| Net loans and leases to deposits | 78.7419% | 2,002 |
| Net loans and leases to core deposits | 99.0418% | 955 |
| Total domestic deposits to total assets | 90.6330% | 324 |
| Equity capital to assets | 8.7930% | 4,226 |
| Core capital (leverage) ratio | 9.0220% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6902% | 2,369 |
| Memoranda: | ||
| Average total assets | $81,516,600 | 4,224 |
| Average earning assets | $76,899,600 | 4,204 |
| Average equity | $7,282,800 | 4,499 |
| Average total loans | $60,096,000 | 3,914 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5505% | 208 |
| Cost of funding earning assets | 1.3570% | 186 |
| Net interest margin | 4.1935% | 747 |
| Noninterest income to average assets | 0.1500% | 4,551 |
| Noninterest expense to average assets | 3.2704% | 949 |
| Loan and lease loss provision to assets | 0.1838% | 2,148 |
| Net operating income to assets | 0.7084% | 3,432 |
| Return on assets (ROA) | 0.7084% | 3,536 |
| Pretax return on assets | 0.6317% | 4,044 |
| Return on Equity (ROE) | 7.8951% | 2,844 |
| Retained earnings to average equity (ytd only) | 7.8951% | 1,339 |
| Net charge-offs to loans | -0.0337% | 4,563 |
| Credit loss provision to net charge-offs | -733.3333% | 3,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0490% | 868 |
| Assets per employee ($millions) | 4.8474% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,647 |
| Loan loss allowance to noncurrent loans | 387.6238% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 3,208 |
| Noncurrent loans to loans | 0.3103% | 3,171 |
| Net loans and leases to total assets | 78.0586% | 825 |
| Net loans and leases to deposits | 86.5188% | 1,639 |
| Net loans and leases to core deposits | 112.1622% | 625 |
| Total domestic deposits to total assets | 90.2216% | 355 |
| Equity capital to assets | 9.1001% | 4,033 |
| Core capital (leverage) ratio | 9.1268% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,989,000 | 4,250 |
| Average earning assets | $75,066,000 | 4,231 |
| Average equity | $7,177,250 | 4,527 |
| Average total loans | $59,280,250 | 3,957 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4854% | 344 |
| Cost of funding earning assets | 1.4884% | 170 |
| Net interest margin | 3.9970% | 1,331 |
| Noninterest income to average assets | 0.1389% | 4,609 |
| Noninterest expense to average assets | 3.2633% | 1,056 |
| Loan and lease loss provision to assets | 0.1819% | 2,201 |
| Net operating income to assets | 0.6592% | 3,550 |
| Return on assets (ROA) | 0.6592% | 3,644 |
| Pretax return on assets | 0.4445% | 4,342 |
| Return on Equity (ROE) | 7.3833% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.3833% | 1,510 |
| Net charge-offs to loans | -0.1256% | 4,882 |
| Credit loss provision to net charge-offs | -200.0000% | 3,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8961% | 647 |
| Assets per employee ($millions) | 4.8884% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,192 |
| Loan loss allowance to noncurrent loans | 391.3265% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 3,379 |
| Noncurrent loans to loans | 0.3224% | 3,230 |
| Net loans and leases to total assets | 72.2333% | 1,664 |
| Net loans and leases to deposits | 79.6983% | 2,465 |
| Net loans and leases to core deposits | 106.6937% | 864 |
| Total domestic deposits to total assets | 90.6333% | 246 |
| Equity capital to assets | 8.7085% | 4,344 |
| Core capital (leverage) ratio | 8.6246% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,183,333 | 4,266 |
| Average earning assets | $74,306,000 | 4,244 |
| Average equity | $7,070,000 | 4,557 |
| Average total loans | $57,337,667 | 3,993 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4724% | 394 |
| Cost of funding earning assets | 1.6108% | 183 |
| Net interest margin | 3.8616% | 1,793 |
| Noninterest income to average assets | 0.1399% | 4,665 |
| Noninterest expense to average assets | 3.4083% | 1,056 |
| Loan and lease loss provision to assets | 0.2331% | 1,327 |
| Net operating income to assets | 0.1243% | 4,628 |
| Return on assets (ROA) | 0.1243% | 4,634 |
| Pretax return on assets | 0.1865% | 4,583 |
| Return on Equity (ROE) | 1.3741% | 4,572 |
| Retained earnings to average equity (ytd only) | 1.3741% | 3,641 |
| Net charge-offs to loans | -0.2374% | 4,959 |
| Credit loss provision to net charge-offs | -136.3636% | 3,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0392% | 533 |
| Assets per employee ($millions) | 4.5214% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,057 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,411 |
| Noncurrent loans to loans | 0.3596% | 3,208 |
| Net loans and leases to total assets | 71.7540% | 1,959 |
| Net loans and leases to deposits | 79.6548% | 2,717 |
| Net loans and leases to core deposits | 110.2884% | 841 |
| Total domestic deposits to total assets | 90.0812% | 298 |
| Equity capital to assets | 9.1083% | 4,530 |
| Core capital (leverage) ratio | 9.1213% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8734% | 1,637 |
| Memoranda: | ||
| Average total assets | $77,223,500 | 4,304 |
| Average earning assets | $73,752,500 | 4,264 |
| Average equity | $6,986,500 | 4,600 |
| Average total loans | $55,609,000 | 4,041 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7685% | 347 |
| Cost of funding earning assets | 1.7827% | 147 |
| Net interest margin | 3.9858% | 1,894 |
| Noninterest income to average assets | 0.1502% | 4,741 |
| Noninterest expense to average assets | 2.6664% | 2,979 |
| Loan and lease loss provision to assets | 0.2918% | 581 |
| Net operating income to assets | 0.7953% | 3,568 |
| Return on assets (ROA) | 0.7953% | 3,651 |
| Pretax return on assets | 1.0171% | 3,427 |
| Return on Equity (ROE) | 8.9023% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.9023% | 736 |
| Net charge-offs to loans | -0.3121% | 5,091 |
| Credit loss provision to net charge-offs | -122.8916% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0745% | 2,610 |
| Assets per employee ($millions) | 4.8489% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,485 |
| Loan loss allowance to noncurrent loans | 460.8392% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 3,731 |
| Noncurrent loans to loans | 0.2585% | 3,519 |
| Net loans and leases to total assets | 70.4652% | 2,321 |
| Net loans and leases to deposits | 78.1053% | 2,992 |
| Net loans and leases to core deposits | 108.4832% | 942 |
| Total domestic deposits to total assets | 90.2182% | 256 |
| Equity capital to assets | 8.9865% | 4,688 |
| Core capital (leverage) ratio | 9.1200% | 4,432 |
| Tier 1 risk-based capital ratio | 14.7400% | 2,891 |
| Total risk-based capital ratio | 15.9915% | 2,813 |
| Memoranda: | ||
| Average total assets | $69,907,600 | 4,430 |
| Average earning assets | $67,088,400 | 4,388 |
| Average equity | $6,245,600 | 4,730 |
| Average total loans | $53,180,200 | 4,120 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8021% | 351 |
| Cost of funding earning assets | 1.7776% | 155 |
| Net interest margin | 4.0245% | 1,849 |
| Noninterest income to average assets | 0.1510% | 4,794 |
| Noninterest expense to average assets | 2.6906% | 2,896 |
| Loan and lease loss provision to assets | 0.3118% | 465 |
| Net operating income to assets | 0.8315% | 3,572 |
| Return on assets (ROA) | 0.8315% | 3,652 |
| Pretax return on assets | 1.0158% | 3,540 |
| Return on Equity (ROE) | 9.3226% | 2,746 |
| Retained earnings to average equity (ytd only) | 9.3226% | 954 |
| Net charge-offs to loans | -0.3217% | 5,161 |
| Credit loss provision to net charge-offs | -125.1969% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9595% | 2,597 |
| Assets per employee ($millions) | 7.0267% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,349 |
| Loan loss allowance to noncurrent loans | 1,916.6667% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 4,528 |
| Noncurrent loans to loans | 0.0542% | 4,396 |
| Net loans and leases to total assets | 70.8632% | 2,345 |
| Net loans and leases to deposits | 77.9243% | 3,099 |
| Net loans and leases to core deposits | 114.3654% | 734 |
| Total domestic deposits to total assets | 90.9385% | 107 |
| Equity capital to assets | 8.3706% | 5,042 |
| Core capital (leverage) ratio | 8.9433% | 4,676 |
| Tier 1 risk-based capital ratio | 13.5517% | 3,542 |
| Total risk-based capital ratio | 14.7561% | 3,475 |
| Memoranda: | ||
| Average total assets | $67,988,750 | 4,514 |
| Average earning assets | $65,331,000 | 4,472 |
| Average equity | $6,064,000 | 4,811 |
| Average total loans | $52,643,250 | 4,176 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8884% | 293 |
| Cost of funding earning assets | 1.7685% | 147 |
| Net interest margin | 4.1200% | 1,554 |
| Noninterest income to average assets | 0.1387% | 4,877 |
| Noninterest expense to average assets | 2.7771% | 2,672 |
| Loan and lease loss provision to assets | 0.3514% | 368 |
| Net operating income to assets | 0.7521% | 3,821 |
| Return on assets (ROA) | 0.7521% | 3,885 |
| Pretax return on assets | 0.9524% | 3,702 |
| Return on Equity (ROE) | 8.2312% | 3,182 |
| Retained earnings to average equity (ytd only) | 8.2312% | 1,303 |
| Net charge-offs to loans | -0.3092% | 5,186 |
| Credit loss provision to net charge-offs | -142.5000% | 3,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0514% | 2,526 |
| Assets per employee ($millions) | 6.0114% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 4,062 |
| Loan loss allowance to noncurrent loans | 241.5000% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 3,337 |
| Noncurrent loans to loans | 0.3754% | 3,181 |
| Net loans and leases to total assets | 79.8291% | 903 |
| Net loans and leases to deposits | 88.4619% | 1,946 |
| Net loans and leases to core deposits | 139.6666% | 197 |
| Total domestic deposits to total assets | 90.2412% | 263 |
| Equity capital to assets | 9.1675% | 4,685 |
| Core capital (leverage) ratio | 9.3091% | 4,351 |
| Tier 1 risk-based capital ratio | 13.4550% | 3,606 |
| Total risk-based capital ratio | 14.5270% | 3,606 |
| Memoranda: | ||
| Average total assets | $64,887,000 | 4,613 |
| Average earning assets | $62,087,670 | 4,564 |
| Average equity | $5,928,670 | 4,856 |
| Average total loans | $51,741,670 | 4,230 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7241% | 351 |
| Cost of funding earning assets | 1.7583% | 127 |
| Net interest margin | 3.9658% | 1,964 |
| Noninterest income to average assets | 0.1245% | 4,983 |
| Noninterest expense to average assets | 2.7759% | 2,657 |
| Loan and lease loss provision to assets | 0.4295% | 264 |
| Net operating income to assets | 0.5602% | 4,359 |
| Return on assets (ROA) | 0.5602% | 4,389 |
| Pretax return on assets | 0.7095% | 4,278 |
| Return on Equity (ROE) | 6.1412% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.1412% | 2,392 |
| Net charge-offs to loans | -0.2746% | 5,210 |
| Credit loss provision to net charge-offs | -197.1429% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9062% | 2,201 |
| Assets per employee ($millions) | 5.9005% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 4,653 |
| Loan loss allowance to noncurrent loans | 213.5870% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 3,465 |
| Noncurrent loans to loans | 0.3531% | 3,313 |
| Net loans and leases to total assets | 79.6888% | 876 |
| Net loans and leases to deposits | 88.1019% | 1,858 |
| Net loans and leases to core deposits | 143.9281% | 160 |
| Total domestic deposits to total assets | 90.4507% | 303 |
| Equity capital to assets | 9.1010% | 4,616 |
| Core capital (leverage) ratio | 9.0881% | 4,584 |
| Tier 1 risk-based capital ratio | 13.2703% | 3,729 |
| Total risk-based capital ratio | 14.1532% | 3,824 |
| Memoranda: | ||
| Average total assets | $64,268,000 | 4,673 |
| Average earning assets | $61,424,500 | 4,628 |
| Average equity | $5,862,000 | 4,908 |
| Average total loans | $50,977,500 | 4,281 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5037% | 396 |
| Cost of funding earning assets | 1.3804% | 152 |
| Net interest margin | 4.1233% | 1,606 |
| Noninterest income to average assets | 0.1411% | 5,005 |
| Noninterest expense to average assets | 2.8362% | 2,563 |
| Loan and lease loss provision to assets | 0.4724% | 264 |
| Net operating income to assets | 0.5872% | 4,453 |
| Return on assets (ROA) | 0.5872% | 4,457 |
| Pretax return on assets | 0.7453% | 4,301 |
| Return on Equity (ROE) | 5.8781% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.8781% | 2,251 |
| Net charge-offs to loans | 0.0606% | 2,266 |
| Credit loss provision to net charge-offs | 965.3846% | 382 |
| Earnings coverage of net charge-offs (x) | 24.8846% | 1,793 |
| Efficiency ratio | 69.9629% | 2,192 |
| Assets per employee ($millions) | 5.8050% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,682 |
| Loan loss allowance to noncurrent loans | 162.7832% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 2,637 |
| Noncurrent loans to loans | 0.6147% | 2,442 |
| Net loans and leases to total assets | 77.9406% | 1,278 |
| Net loans and leases to deposits | 86.5819% | 2,207 |
| Net loans and leases to core deposits | 137.2938% | 226 |
| Total domestic deposits to total assets | 90.0196% | 472 |
| Equity capital to assets | 9.4605% | 4,162 |
| Core capital (leverage) ratio | 9.8460% | 3,753 |
| Tier 1 risk-based capital ratio | 13.8352% | 3,369 |
| Total risk-based capital ratio | 14.9872% | 3,343 |
| Memoranda: | ||
| Average total assets | $53,135,400 | 4,886 |
| Average earning assets | $50,420,600 | 4,848 |
| Average equity | $5,307,800 | 5,004 |
| Average total loans | $42,911,800 | 4,473 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4197% | 431 |
| Cost of funding earning assets | 1.2715% | 180 |
| Net interest margin | 4.1483% | 1,499 |
| Noninterest income to average assets | 0.1427% | 5,060 |
| Noninterest expense to average assets | 2.9359% | 2,207 |
| Loan and lease loss provision to assets | 0.4439% | 268 |
| Net operating income to assets | 0.5549% | 4,633 |
| Return on assets (ROA) | 0.5549% | 4,643 |
| Pretax return on assets | 0.7029% | 4,527 |
| Return on Equity (ROE) | 5.4638% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.4638% | 2,978 |
| Net charge-offs to loans | 0.0877% | 1,626 |
| Credit loss provision to net charge-offs | 622.2222% | 576 |
| Earnings coverage of net charge-offs (x) | 16.0736% | 2,186 |
| Efficiency ratio | 71.9094% | 1,891 |
| Assets per employee ($millions) | 5.2494% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,085 |
| Loan loss allowance to noncurrent loans | 181.3853% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 2,920 |
| Noncurrent loans to loans | 0.5184% | 2,830 |
| Net loans and leases to total assets | 84.0877% | 450 |
| Net loans and leases to deposits | 94.0210% | 1,378 |
| Net loans and leases to core deposits | 101.2896% | 1,670 |
| Total domestic deposits to total assets | 89.4350% | 695 |
| Equity capital to assets | 9.9802% | 3,670 |
| Core capital (leverage) ratio | 10.5706% | 3,005 |
| Tier 1 risk-based capital ratio | 13.7380% | 3,494 |
| Total risk-based capital ratio | 14.8368% | 3,486 |
| Memoranda: | ||
| Average total assets | $50,455,500 | 4,982 |
| Average earning assets | $47,922,500 | 4,951 |
| Average equity | $5,124,500 | 5,095 |
| Average total loans | $41,071,750 | 4,563 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3538% | 425 |
| Cost of funding earning assets | 1.2814% | 129 |
| Net interest margin | 4.0724% | 1,639 |
| Noninterest income to average assets | 0.1286% | 5,164 |
| Noninterest expense to average assets | 2.9211% | 2,285 |
| Loan and lease loss provision to assets | 0.4741% | 243 |
| Net operating income to assets | 0.4781% | 4,799 |
| Return on assets (ROA) | 0.4781% | 4,804 |
| Pretax return on assets | 0.6027% | 4,734 |
| Return on Equity (ROE) | 4.6792% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.6792% | 3,245 |
| Net charge-offs to loans | 0.1353% | 1,111 |
| Credit loss provision to net charge-offs | 437.0370% | 772 |
| Earnings coverage of net charge-offs (x) | 9.9259% | 2,361 |
| Efficiency ratio | 73.0653% | 1,839 |
| Assets per employee ($millions) | 5.0485% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 4,325 |
| Loan loss allowance to noncurrent loans | 159.7403% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 2,899 |
| Noncurrent loans to loans | 0.5656% | 2,724 |
| Net loans and leases to total assets | 80.1743% | 988 |
| Net loans and leases to deposits | 89.8090% | 1,861 |
| Net loans and leases to core deposits | 95.6766% | 2,092 |
| Total domestic deposits to total assets | 89.2721% | 826 |
| Equity capital to assets | 10.1971% | 3,442 |
| Core capital (leverage) ratio | 9.9149% | 3,671 |
| Tier 1 risk-based capital ratio | 14.6729% | 3,029 |
| Total risk-based capital ratio | 15.7247% | 3,040 |
| Memoranda: | ||
| Average total assets | $49,776,000 | 5,049 |
| Average earning assets | $47,293,670 | 5,017 |
| Average equity | $5,086,330 | 5,155 |
| Average total loans | $39,909,000 | 4,642 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 460 |
| Cost of funding earning assets | 1.2708% | 97 |
| Net interest margin | 3.9658% | 1,825 |
| Noninterest income to average assets | 0.1619% | 5,052 |
| Noninterest expense to average assets | 2.8490% | 2,537 |
| Loan and lease loss provision to assets | 0.5504% | 189 |
| Net operating income to assets | 0.4290% | 4,863 |
| Return on assets (ROA) | 0.4290% | 4,871 |
| Pretax return on assets | 0.5261% | 4,835 |
| Return on Equity (ROE) | 4.1935% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.1935% | 3,511 |
| Net charge-offs to loans | 0.0406% | 1,725 |
| Credit loss provision to net charge-offs | 1,700.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 1,181 |
| Efficiency ratio | 72.5773% | 2,108 |
| Assets per employee ($millions) | 5.8552% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 4,659 |
| Loan loss allowance to noncurrent loans | 47.4341% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.3682% | 1,072 |
| Noncurrent loans to loans | 1.7824% | 952 |
| Net loans and leases to total assets | 76.1144% | 1,523 |
| Net loans and leases to deposits | 84.6167% | 2,329 |
| Net loans and leases to core deposits | 89.3577% | 2,508 |
| Total domestic deposits to total assets | 89.9520% | 674 |
| Equity capital to assets | 9.6438% | 3,947 |
| Core capital (leverage) ratio | 9.9295% | 3,602 |
| Tier 1 risk-based capital ratio | 14.5641% | 3,088 |
| Total risk-based capital ratio | 15.5442% | 3,147 |
| Memoranda: | ||
| Average total assets | $49,421,500 | 5,117 |
| Average earning assets | $46,900,500 | 5,083 |
| Average equity | $5,055,500 | 5,209 |
| Average total loans | $39,441,000 | 4,703 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5021% | 263 |
| Cost of funding earning assets | 1.1047% | 125 |
| Net interest margin | 4.3974% | 776 |
| Noninterest income to average assets | 0.1662% | 5,131 |
| Noninterest expense to average assets | 3.2497% | 1,507 |
| Loan and lease loss provision to assets | 0.0174% | 3,951 |
| Net operating income to assets | 0.7144% | 3,542 |
| Return on assets (ROA) | 0.7144% | 3,591 |
| Pretax return on assets | 1.0072% | 3,538 |
| Return on Equity (ROE) | 7.0599% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.0599% | 1,052 |
| Net charge-offs to loans | -0.0239% | 5,001 |
| Credit loss provision to net charge-offs | -87.5000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0302% | 1,615 |
| Assets per employee ($millions) | 5.7683% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 5,021 |
| Loan loss allowance to noncurrent loans | 117.7966% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 2,854 |
| Noncurrent loans to loans | 0.6141% | 2,696 |
| Net loans and leases to total assets | 82.6767% | 600 |
| Net loans and leases to deposits | 93.1445% | 1,373 |
| Net loans and leases to core deposits | 98.5865% | 1,821 |
| Total domestic deposits to total assets | 88.7618% | 1,111 |
| Equity capital to assets | 10.8980% | 2,732 |
| Core capital (leverage) ratio | 10.9191% | 2,410 |
| Tier 1 risk-based capital ratio | 15.7279% | 2,545 |
| Total risk-based capital ratio | 16.5973% | 2,621 |
| Memoranda: | ||
| Average total assets | $40,310,800 | 5,322 |
| Average earning assets | $37,658,600 | 5,311 |
| Average equity | $4,079,400 | 5,410 |
| Average total loans | $33,515,600 | 4,910 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5094% | 251 |
| Cost of funding earning assets | 1.0694% | 134 |
| Net interest margin | 4.4399% | 676 |
| Noninterest income to average assets | 0.2231% | 4,882 |
| Noninterest expense to average assets | 3.2979% | 1,350 |
| Loan and lease loss provision to assets | 0.0240% | 3,664 |
| Net operating income to assets | 0.7481% | 3,746 |
| Return on assets (ROA) | 0.7481% | 3,806 |
| Pretax return on assets | 1.0329% | 3,559 |
| Return on Equity (ROE) | 7.5653% | 3,361 |
| Retained earnings to average equity (ytd only) | 7.5653% | 1,404 |
| Net charge-offs to loans | -0.0330% | 5,032 |
| Credit loss provision to net charge-offs | -87.5000% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7289% | 1,631 |
| Assets per employee ($millions) | 5.5989% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 4,941 |
| Loan loss allowance to noncurrent loans | 151.9126% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 3,400 |
| Noncurrent loans to loans | 0.5149% | 3,160 |
| Net loans and leases to total assets | 78.7279% | 1,161 |
| Net loans and leases to deposits | 86.7756% | 2,213 |
| Net loans and leases to core deposits | 91.2887% | 2,509 |
| Total domestic deposits to total assets | 90.7258% | 248 |
| Equity capital to assets | 8.8411% | 5,039 |
| Core capital (leverage) ratio | 9.4639% | 4,208 |
| Tier 1 risk-based capital ratio | 13.1383% | 3,916 |
| Total risk-based capital ratio | 14.0606% | 4,039 |
| Memoranda: | ||
| Average total assets | $38,852,000 | 5,402 |
| Average earning assets | $36,155,750 | 5,387 |
| Average equity | $3,842,000 | 5,501 |
| Average total loans | $32,287,000 | 5,006 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 237 |
| Cost of funding earning assets | 1.0506% | 131 |
| Net interest margin | 4.4696% | 607 |
| Noninterest income to average assets | 0.2278% | 4,881 |
| Noninterest expense to average assets | 3.4009% | 1,160 |
| Loan and lease loss provision to assets | 0.0380% | 3,253 |
| Net operating income to assets | 0.6834% | 3,918 |
| Return on assets (ROA) | 0.6834% | 3,983 |
| Pretax return on assets | 0.9655% | 3,703 |
| Return on Equity (ROE) | 6.6269% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.6269% | 1,783 |
| Net charge-offs to loans | -0.0320% | 4,989 |
| Credit loss provision to net charge-offs | -140.0000% | 4,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2167% | 1,559 |
| Assets per employee ($millions) | 5.0590% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 4,882 |
| Loan loss allowance to noncurrent loans | 138.1910% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 3,119 |
| Noncurrent loans to loans | 0.5970% | 2,944 |
| Net loans and leases to total assets | 81.6861% | 709 |
| Net loans and leases to deposits | 90.7170% | 1,640 |
| Net loans and leases to core deposits | 94.6654% | 2,095 |
| Total domestic deposits to total assets | 90.0450% | 523 |
| Equity capital to assets | 9.5548% | 4,357 |
| Core capital (leverage) ratio | 9.6675% | 3,938 |
| Tier 1 risk-based capital ratio | 13.8295% | 3,517 |
| Total risk-based capital ratio | 14.8130% | 3,581 |
| Memoranda: | ||
| Average total assets | $36,872,330 | 5,483 |
| Average earning assets | $34,455,000 | 5,463 |
| Average equity | $3,802,670 | 5,551 |
| Average total loans | $31,202,330 | 5,071 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4218% | 261 |
| Cost of funding earning assets | 1.0502% | 129 |
| Net interest margin | 4.3717% | 670 |
| Noninterest income to average assets | 0.2281% | 4,907 |
| Noninterest expense to average assets | 3.5127% | 1,023 |
| Loan and lease loss provision to assets | 0.0798% | 2,214 |
| Net operating income to assets | 0.5817% | 4,232 |
| Return on assets (ROA) | 0.5817% | 4,277 |
| Pretax return on assets | 0.7185% | 4,391 |
| Return on Equity (ROE) | 5.4104% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.4104% | 2,659 |
| Net charge-offs to loans | -0.0664% | 5,303 |
| Credit loss provision to net charge-offs | -140.0000% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 1,207 |
| Assets per employee ($millions) | 4.5928% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 4,944 |
| Loan loss allowance to noncurrent loans | 132.2115% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 2,965 |
| Noncurrent loans to loans | 0.6381% | 2,914 |
| Net loans and leases to total assets | 87.9756% | 110 |
| Net loans and leases to deposits | 98.5458% | 722 |
| Net loans and leases to core deposits | 104.1702% | 1,213 |
| Total domestic deposits to total assets | 89.2739% | 1,017 |
| Equity capital to assets | 10.3206% | 3,385 |
| Core capital (leverage) ratio | 10.6841% | 2,698 |
| Tier 1 risk-based capital ratio | 14.2166% | 3,352 |
| Total risk-based capital ratio | 15.2476% | 3,393 |
| Memoranda: | ||
| Average total assets | $35,072,500 | 5,580 |
| Average earning assets | $32,756,500 | 5,561 |
| Average equity | $3,770,500 | 5,611 |
| Average total loans | $30,136,000 | 5,154 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9060% | 733 |
| Cost of funding earning assets | 1.1342% | 74 |
| Net interest margin | 3.7719% | 2,422 |
| Noninterest income to average assets | 0.3142% | 4,486 |
| Noninterest expense to average assets | 4.4166% | 409 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.6112% | 5,803 |
| Return on assets (ROA) | -0.6112% | 5,807 |
| Pretax return on assets | -0.6112% | 5,794 |
| Return on Equity (ROE) | -4.6623% | 5,782 |
| Retained earnings to average equity (ytd only) | -4.6623% | 5,664 |
| Net charge-offs to loans | -0.0181% | 5,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0617% | 95 |
| Assets per employee ($millions) | 3.0366% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,579 |
| Loan loss allowance to noncurrent loans | 1,195.4545% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 5,067 |
| Noncurrent loans to loans | 0.0795% | 4,920 |
| Net loans and leases to total assets | 82.0585% | 602 |
| Net loans and leases to deposits | 92.7863% | 1,329 |
| Net loans and leases to core deposits | 96.4360% | 1,886 |
| Total domestic deposits to total assets | 88.4382% | 1,415 |
| Equity capital to assets | 11.2235% | 2,392 |
| Core capital (leverage) ratio | 11.5610% | 1,886 |
| Tier 1 risk-based capital ratio | 15.9200% | 2,583 |
| Total risk-based capital ratio | 17.0368% | 2,566 |
| Memoranda: | ||
| Average total assets | $28,959,000 | 5,727 |
| Average earning assets | $26,803,800 | 5,709 |
| Average equity | $3,796,400 | 5,666 |
| Average total loans | $22,065,400 | 5,442 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 913 |
| Cost of funding earning assets | 1.1608% | 63 |
| Net interest margin | 3.6333% | 2,951 |
| Noninterest income to average assets | 0.3399% | 4,351 |
| Noninterest expense to average assets | 4.6154% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.9336% | 5,898 |
| Return on assets (ROA) | -0.9336% | 5,903 |
| Pretax return on assets | -0.9336% | 5,896 |
| Return on Equity (ROE) | -6.8270% | 5,883 |
| Retained earnings to average equity (ytd only) | -6.8270% | 5,788 |
| Net charge-offs to loans | -0.0194% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3576% | 70 |
| Assets per employee ($millions) | 2.6603% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 4,057 |
| Loan loss allowance to noncurrent loans | 1,190.9091% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 5,162 |
| Noncurrent loans to loans | 0.0892% | 4,986 |
| Net loans and leases to total assets | 76.4190% | 1,456 |
| Net loans and leases to deposits | 86.8340% | 2,165 |
| Net loans and leases to core deposits | 91.2853% | 2,456 |
| Total domestic deposits to total assets | 88.0059% | 1,404 |
| Equity capital to assets | 11.6871% | 2,368 |
| Core capital (leverage) ratio | 12.1487% | 1,572 |
| Tier 1 risk-based capital ratio | 17.4037% | 2,104 |
| Total risk-based capital ratio | 18.6258% | 2,071 |
| Memoranda: | ||
| Average total assets | $27,848,000 | 5,806 |
| Average earning assets | $25,614,500 | 5,787 |
| Average equity | $3,808,250 | 5,726 |
| Average total loans | $20,663,500 | 5,552 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 963 |
| Cost of funding earning assets | 1.1702% | 60 |
| Net interest margin | 3.5760% | 3,190 |
| Noninterest income to average assets | 0.2869% | 4,731 |
| Noninterest expense to average assets | 4.8623% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -1.2760% | 5,991 |
| Return on assets (ROA) | -1.2760% | 5,993 |
| Pretax return on assets | -1.2760% | 5,985 |
| Return on Equity (ROE) | -8.8159% | 5,970 |
| Retained earnings to average equity (ytd only) | -8.8159% | 5,856 |
| Net charge-offs to loans | -0.0207% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.5789% | 58 |
| Assets per employee ($millions) | 2.6210% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 3,333 |
| Loan loss allowance to noncurrent loans | 1,134.7826% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 5,248 |
| Noncurrent loans to loans | 0.1061% | 5,022 |
| Net loans and leases to total assets | 68.0942% | 2,763 |
| Net loans and leases to deposits | 77.5360% | 3,206 |
| Net loans and leases to core deposits | 81.1311% | 3,352 |
| Total domestic deposits to total assets | 87.8227% | 1,513 |
| Equity capital to assets | 11.9388% | 2,170 |
| Core capital (leverage) ratio | 13.2056% | 1,089 |
| Tier 1 risk-based capital ratio | 19.0580% | 1,681 |
| Total risk-based capital ratio | 20.3066% | 1,649 |
| Memoranda: | ||
| Average total assets | $26,489,330 | 5,897 |
| Average earning assets | $24,440,670 | 5,872 |
| Average equity | $3,834,000 | 5,788 |
| Average total loans | $19,332,000 | 5,656 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 917 |
| Cost of funding earning assets | 1.1545% | 68 |
| Net interest margin | 3.6100% | 3,045 |
| Noninterest income to average assets | 0.3166% | 4,465 |
| Noninterest expense to average assets | 5.3316% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.7328% | 6,066 |
| Return on assets (ROA) | -1.7328% | 6,066 |
| Pretax return on assets | -1.7328% | 6,067 |
| Return on Equity (ROE) | -10.7396% | 6,030 |
| Retained earnings to average equity (ytd only) | -10.7396% | 5,827 |
| Net charge-offs to loans | -0.0441% | 5,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.1481% | 46 |
| Assets per employee ($millions) | 2.8249% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.8162% | 1,124 |
| Net loans and leases to deposits | 91.8051% | 1,374 |
| Net loans and leases to core deposits | 95.3860% | 1,857 |
| Total domestic deposits to total assets | 84.7624% | 3,224 |
| Equity capital to assets | 15.0291% | 688 |
| Core capital (leverage) ratio | 16.5204% | 417 |
| Tier 1 risk-based capital ratio | 21.8755% | 1,179 |
| Total risk-based capital ratio | 23.1236% | 1,160 |
| Memoranda: | ||
| Average total assets | $24,008,000 | 5,983 |
| Average earning assets | $21,828,000 | 5,971 |
| Average equity | $3,873,500 | 5,833 |
| Average total loans | $18,159,000 | 5,744 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 1,854 |
| Cost of funding earning assets | 1.1573% | 69 |
| Net interest margin | 3.2571% | 4,446 |
| Noninterest income to average assets | 0.3759% | 4,219 |
| Noninterest expense to average assets | 4.2635% | 512 |
| Loan and lease loss provision to assets | -0.0398% | 5,715 |
| Net operating income to assets | -0.8978% | 6,096 |
| Return on assets (ROA) | -0.8624% | 6,095 |
| Pretax return on assets | -0.8624% | 6,086 |
| Return on Equity (ROE) | -4.8430% | 6,045 |
| Retained earnings to average equity (ytd only) | -4.8430% | 5,911 |
| Net charge-offs to loans | 0.2281% | 1,304 |
| Credit loss provision to net charge-offs | -24.3243% | 4,998 |
| Earnings coverage of net charge-offs (x) | -5.7297% | 4,409 |
| Efficiency ratio | 128.1915% | 73 |
| Assets per employee ($millions) | 2.8240% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,638 |
| Loan loss allowance to noncurrent loans | 1,079.1667% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 3,381 |
| Noncurrent loans to loans | 0.1475% | 4,904 |
| Net loans and leases to total assets | 70.8835% | 2,222 |
| Net loans and leases to deposits | 85.9443% | 2,141 |
| Net loans and leases to core deposits | 88.5926% | 2,544 |
| Total domestic deposits to total assets | 82.4761% | 4,024 |
| Equity capital to assets | 17.3778% | 371 |
| Core capital (leverage) ratio | 17.6196% | 306 |
| Tier 1 risk-based capital ratio | 29.1160% | 550 |
| Total risk-based capital ratio | 30.3693% | 538 |
| Memoranda: | ||
| Average total assets | $22,610,600 | 6,065 |
| Average earning assets | $20,478,400 | 6,055 |
| Average equity | $4,026,400 | 5,845 |
| Average total loans | $16,221,800 | 5,859 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 1,886 |
| Cost of funding earning assets | 1.1503% | 74 |
| Net interest margin | 3.2625% | 4,482 |
| Noninterest income to average assets | 0.4304% | 3,861 |
| Noninterest expense to average assets | 4.3038% | 488 |
| Loan and lease loss provision to assets | -0.0531% | 5,919 |
| Net operating income to assets | -0.8607% | 6,183 |
| Return on assets (ROA) | -0.8136% | 6,178 |
| Pretax return on assets | -0.8136% | 6,171 |
| Return on Equity (ROE) | -4.5415% | 6,130 |
| Retained earnings to average equity (ytd only) | -4.5415% | 6,011 |
| Net charge-offs to loans | 0.1563% | 1,577 |
| Credit loss provision to net charge-offs | -47.3684% | 4,961 |
| Earnings coverage of net charge-offs (x) | -8.1587% | 4,139 |
| Efficiency ratio | 126.9565% | 77 |
| Assets per employee ($millions) | 3.7705% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 1,464 |
| Loan loss allowance to noncurrent loans | 277.0000% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 2,608 |
| Noncurrent loans to loans | 0.6147% | 3,473 |
| Net loans and leases to total assets | 70.6847% | 2,285 |
| Net loans and leases to deposits | 86.0101% | 2,138 |
| Net loans and leases to core deposits | 88.6665% | 2,588 |
| Total domestic deposits to total assets | 82.1819% | 4,105 |
| Equity capital to assets | 17.6016% | 377 |
| Core capital (leverage) ratio | 17.9168% | 306 |
| Tier 1 risk-based capital ratio | 29.6280% | 543 |
| Total risk-based capital ratio | 30.8854% | 534 |
| Memoranda: | ||
| Average total assets | $22,615,250 | 6,150 |
| Average earning assets | $20,515,750 | 6,138 |
| Average equity | $4,051,500 | 5,922 |
| Average total loans | $16,209,000 | 5,931 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4072% | 1,832 |
| Cost of funding earning assets | 1.1408% | 78 |
| Net interest margin | 3.2664% | 4,434 |
| Noninterest income to average assets | 0.5307% | 3,165 |
| Noninterest expense to average assets | 4.4577% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.9641% | 6,259 |
| Return on assets (ROA) | -0.8933% | 6,255 |
| Pretax return on assets | -0.8933% | 6,246 |
| Return on Equity (ROE) | -4.9575% | 6,192 |
| Retained earnings to average equity (ytd only) | -4.9575% | 6,018 |
| Net charge-offs to loans | 0.1482% | 1,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -9.0833% | 3,842 |
| Efficiency ratio | 127.5949% | 86 |
| Assets per employee ($millions) | 3.6697% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 1,357 |
| Loan loss allowance to noncurrent loans | 563.4615% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 3,256 |
| Noncurrent loans to loans | 0.3205% | 4,547 |
| Net loans and leases to total assets | 72.3499% | 1,925 |
| Net loans and leases to deposits | 88.8455% | 1,740 |
| Net loans and leases to core deposits | 93.0382% | 2,062 |
| Total domestic deposits to total assets | 81.4334% | 4,470 |
| Equity capital to assets | 18.2578% | 315 |
| Core capital (leverage) ratio | 18.4438% | 268 |
| Tier 1 risk-based capital ratio | 30.3350% | 523 |
| Total risk-based capital ratio | 31.5952% | 514 |
| Memoranda: | ||
| Average total assets | $22,612,670 | 6,224 |
| Average earning assets | $20,511,670 | 6,208 |
| Average equity | $4,074,670 | 5,981 |
| Average total loans | $16,189,330 | 5,996 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 2,305 |
| Cost of funding earning assets | 1.1134% | 89 |
| Net interest margin | 3.1290% | 4,858 |
| Noninterest income to average assets | 0.8031% | 1,701 |
| Noninterest expense to average assets | 4.3125% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6635% | 6,274 |
| Return on assets (ROA) | -0.6635% | 6,279 |
| Pretax return on assets | -0.6635% | 6,266 |
| Return on Equity (ROE) | -3.7055% | 6,234 |
| Retained earnings to average equity (ytd only) | -3.7055% | 5,844 |
| Net charge-offs to loans | 0.4947% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.9000% | 3,203 |
| Efficiency ratio | 118.1818% | 140 |
| Assets per employee ($millions) | 3.1601% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 1,583 |
| Loan loss allowance to noncurrent loans | 1,055.5556% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 3,690 |
| Noncurrent loans to loans | 0.1669% | 5,174 |
| Net loans and leases to total assets | 71.8638% | 1,826 |
| Net loans and leases to deposits | 88.3118% | 1,583 |
| Net loans and leases to core deposits | 91.1212% | 2,019 |
| Total domestic deposits to total assets | 81.3752% | 4,712 |
| Equity capital to assets | 18.4576% | 294 |
| Core capital (leverage) ratio | 18.0257% | 282 |
| Tier 1 risk-based capital ratio | 30.3953% | 521 |
| Total risk-based capital ratio | 31.6534% | 516 |
| Memoranda: | ||
| Average total assets | $22,910,000 | 6,286 |
| Average earning assets | $20,837,500 | 6,267 |
| Average equity | $4,102,000 | 6,032 |
| Average total loans | $16,172,500 | 6,048 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 2,801 |
| Cost of funding earning assets | 1.2068% | 80 |
| Net interest margin | 3.0378% | 5,353 |
| Noninterest income to average assets | 0.2557% | 5,304 |
| Noninterest expense to average assets | 3.7937% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.7839% | 6,344 |
| Return on assets (ROA) | -0.7839% | 6,343 |
| Pretax return on assets | -0.7839% | 6,334 |
| Return on Equity (ROE) | -4.1866% | 6,272 |
| Retained earnings to average equity (ytd only) | -4.1866% | 6,144 |
| Net charge-offs to loans | 0.3234% | 1,365 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -3.5283% | 4,869 |
| Efficiency ratio | 126.0446% | 101 |
| Assets per employee ($millions) | 3.9498% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 1,343 |
| Loan loss allowance to noncurrent loans | 677.7778% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 4,531 |
| Noncurrent loans to loans | 0.2784% | 4,855 |
| Net loans and leases to total assets | 66.9142% | 2,745 |
| Net loans and leases to deposits | 81.1732% | 2,585 |
| Net loans and leases to core deposits | 84.7296% | 2,817 |
| Total domestic deposits to total assets | 82.4339% | 4,272 |
| Equity capital to assets | 17.3889% | 376 |
| Core capital (leverage) ratio | 17.3377% | 337 |
| Tier 1 risk-based capital ratio | 31.9136% | 431 |
| Total risk-based capital ratio | 33.0520% | 426 |
| Memoranda: | ||
| Average total assets | $23,855,200 | 6,353 |
| Average earning assets | $21,627,400 | 6,339 |
| Average equity | $4,466,600 | 5,994 |
| Average total loans | $16,386,600 | 6,110 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 2,805 |
| Cost of funding earning assets | 1.2135% | 85 |
| Net interest margin | 3.0368% | 5,413 |
| Noninterest income to average assets | 0.2567% | 5,384 |
| Noninterest expense to average assets | 3.6605% | 1,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.6529% | 6,407 |
| Return on assets (ROA) | -0.6529% | 6,407 |
| Pretax return on assets | -0.6529% | 6,394 |
| Return on Equity (ROE) | -3.4263% | 6,332 |
| Retained earnings to average equity (ytd only) | -3.4263% | 6,174 |
| Net charge-offs to loans | 0.3730% | 1,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -2.5436% | 4,583 |
| Efficiency ratio | 121.7069% | 122 |
| Assets per employee ($millions) | 3.9672% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9428% | 1,365 |
| Loan loss allowance to noncurrent loans | 624.0000% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 4,700 |
| Noncurrent loans to loans | 0.3114% | 4,976 |
| Net loans and leases to total assets | 66.1555% | 2,838 |
| Net loans and leases to deposits | 81.5653% | 2,481 |
| Net loans and leases to core deposits | 84.9490% | 2,783 |
| Total domestic deposits to total assets | 81.1074% | 4,792 |
| Equity capital to assets | 18.6573% | 291 |
| Core capital (leverage) ratio | 19.0740% | 250 |
| Tier 1 risk-based capital ratio | 34.5227% | 371 |
| Total risk-based capital ratio | 35.0202% | 389 |
| Memoranda: | ||
| Average total assets | $23,894,250 | 6,429 |
| Average earning assets | $21,645,500 | 6,414 |
| Average equity | $4,553,000 | 6,034 |
| Average total loans | $16,442,500 | 6,168 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 2,660 |
| Cost of funding earning assets | 1.2111% | 85 |
| Net interest margin | 3.0692% | 5,347 |
| Noninterest income to average assets | 0.2675% | 5,291 |
| Noninterest expense to average assets | 3.7534% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7106% | 6,488 |
| Return on assets (ROA) | -0.7106% | 6,485 |
| Pretax return on assets | -0.7106% | 6,473 |
| Return on Equity (ROE) | -3.7034% | 6,405 |
| Retained earnings to average equity (ytd only) | -3.7034% | 6,153 |
| Net charge-offs to loans | 0.5793% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.7708% | 4,236 |
| Efficiency ratio | 123.3516% | 127 |
| Assets per employee ($millions) | 4.7232% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9416% | 1,479 |
| Loan loss allowance to noncurrent loans | 2,384.6154% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 4,782 |
| Noncurrent loans to loans | 0.0814% | 5,776 |
| Net loans and leases to total assets | 66.2940% | 2,710 |
| Net loans and leases to deposits | 82.0029% | 2,250 |
| Net loans and leases to core deposits | 84.2808% | 2,711 |
| Total domestic deposits to total assets | 80.8435% | 5,030 |
| Equity capital to assets | 18.9405% | 263 |
| Core capital (leverage) ratio | 19.0576% | 237 |
| Tier 1 risk-based capital ratio | 34.8527% | 349 |
| Total risk-based capital ratio | 35.3436% | 363 |
| Memoranda: | ||
| Average total assets | $23,924,670 | 6,501 |
| Average earning assets | $21,634,000 | 6,481 |
| Average equity | $4,590,330 | 6,063 |
| Average total loans | $16,570,330 | 6,217 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 2,637 |
| Cost of funding earning assets | 1.1961% | 94 |
| Net interest margin | 3.0731% | 5,330 |
| Noninterest income to average assets | 0.1993% | 5,762 |
| Noninterest expense to average assets | 3.2559% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2824% | 6,388 |
| Return on assets (ROA) | -0.2824% | 6,390 |
| Pretax return on assets | -0.2824% | 6,382 |
| Return on Equity (ROE) | -1.4627% | 6,329 |
| Retained earnings to average equity (ytd only) | -1.4627% | 5,794 |
| Net charge-offs to loans | 0.9009% | 388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.4474% | 3,471 |
| Efficiency ratio | 109.4972% | 280 |
| Assets per employee ($millions) | 3.9470% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9260% | 1,682 |
| Loan loss allowance to noncurrent loans | 800.0000% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 4,580 |
| Noncurrent loans to loans | 0.2407% | 5,382 |
| Net loans and leases to total assets | 68.8075% | 2,091 |
| Net loans and leases to deposits | 85.4528% | 1,670 |
| Net loans and leases to core deposits | 90.3170% | 1,885 |
| Total domestic deposits to total assets | 80.5211% | 5,381 |
| Equity capital to assets | 19.1749% | 253 |
| Core capital (leverage) ratio | 18.6903% | 264 |
| Tier 1 risk-based capital ratio | 33.8754% | 386 |
| Total risk-based capital ratio | 35.1361% | 377 |
| Memoranda: | ||
| Average total assets | $24,079,000 | 6,561 |
| Average earning assets | $21,737,000 | 6,547 |
| Average equity | $4,649,000 | 6,082 |
| Average total loans | $16,872,500 | 6,265 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 4,153 |
| Cost of funding earning assets | 1.5641% | 43 |
| Net interest margin | 2.4153% | 6,435 |
| Noninterest income to average assets | 1.0145% | 1,365 |
| Noninterest expense to average assets | 3.5719% | 1,499 |
| Loan and lease loss provision to assets | -0.3247% | 6,685 |
| Net operating income to assets | 0.0222% | 6,176 |
| Return on assets (ROA) | 0.0222% | 6,217 |
| Pretax return on assets | 0.0222% | 6,197 |
| Return on Equity (ROE) | 0.2305% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.2305% | 5,742 |
| Net charge-offs to loans | -0.0864% | 6,442 |
| Credit loss provision to net charge-offs | 619.2308% | 381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2535% | 281 |
| Assets per employee ($millions) | 3.4966% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0899% | 1,353 |
| Loan loss allowance to noncurrent loans | 218.2927% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 3,397 |
| Noncurrent loans to loans | 0.9574% | 3,598 |
| Net loans and leases to total assets | 68.5243% | 2,256 |
| Net loans and leases to deposits | 85.5845% | 1,737 |
| Net loans and leases to core deposits | 90.2983% | 1,985 |
| Total domestic deposits to total assets | 80.0662% | 5,430 |
| Equity capital to assets | 19.4354% | 238 |
| Core capital (leverage) ratio | 10.0998% | 3,432 |
| Tier 1 risk-based capital ratio | 34.7480% | 340 |
| Total risk-based capital ratio | 36.0117% | 333 |
| Memoranda: | ||
| Average total assets | $49,581,000 | 6,023 |
| Average earning assets | $46,289,000 | 5,980 |
| Average equity | $4,772,400 | 6,123 |
| Average total loans | $30,100,400 | 5,759 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 5,186 |
| Cost of funding earning assets | 1.4690% | 58 |
| Net interest margin | 2.2226% | 6,633 |
| Noninterest income to average assets | 0.3771% | 4,694 |
| Noninterest expense to average assets | 2.3774% | 5,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0836% | 6,166 |
| Return on assets (ROA) | 0.0836% | 6,218 |
| Pretax return on assets | 0.0836% | 6,221 |
| Return on Equity (ROE) | 0.9771% | 6,186 |
| Retained earnings to average equity (ytd only) | 0.9771% | 5,588 |
| Net charge-offs to loans | 0.3199% | 1,940 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.4376% | 4,717 |
| Efficiency ratio | 96.6052% | 593 |
| Assets per employee ($millions) | 4.2715% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 4,180 |
| Loan loss allowance to noncurrent loans | 417.1717% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 5,420 |
| Noncurrent loans to loans | 0.3219% | 5,420 |
| Net loans and leases to total assets | 54.6407% | 4,509 |
| Net loans and leases to deposits | 59.9609% | 4,977 |
| Net loans and leases to core deposits | 63.4014% | 4,960 |
| Total domestic deposits to total assets | 91.1273% | 478 |
| Equity capital to assets | 8.6098% | 5,616 |
| Core capital (leverage) ratio | 8.6468% | 5,604 |
| Tier 1 risk-based capital ratio | 19.4531% | 1,875 |
| Total risk-based capital ratio | 20.7104% | 1,843 |
| Memoranda: | ||
| Average total assets | $55,857,250 | 5,942 |
| Average earning assets | $52,370,000 | 5,892 |
| Average equity | $4,776,250 | 6,198 |
| Average total loans | $33,343,000 | 5,664 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 4,870 |
| Cost of funding earning assets | 1.4906% | 55 |
| Net interest margin | 2.2971% | 6,622 |
| Noninterest income to average assets | 0.4181% | 4,390 |
| Noninterest expense to average assets | 2.2621% | 5,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3038% | 5,592 |
| Return on assets (ROA) | 0.3038% | 5,744 |
| Pretax return on assets | 0.3038% | 5,873 |
| Return on Equity (ROE) | 3.5605% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.5605% | 4,052 |
| Net charge-offs to loans | 0.2222% | 2,406 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.2368% | 3,780 |
| Efficiency ratio | 88.1616% | 1,208 |
| Assets per employee ($millions) | 3.9939% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 4,164 |
| Loan loss allowance to noncurrent loans | 242.5532% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 5,022 |
| Noncurrent loans to loans | 0.5654% | 4,847 |
| Net loans and leases to total assets | 58.6472% | 3,878 |
| Net loans and leases to deposits | 64.3915% | 4,451 |
| Net loans and leases to core deposits | 68.1123% | 4,483 |
| Total domestic deposits to total assets | 91.0792% | 518 |
| Equity capital to assets | 8.6401% | 5,627 |
| Core capital (leverage) ratio | 8.6371% | 5,509 |
| Tier 1 risk-based capital ratio | 17.6785% | 2,446 |
| Total risk-based capital ratio | 18.9337% | 2,409 |
| Memoranda: | ||
| Average total assets | $55,966,330 | 5,972 |
| Average earning assets | $52,327,670 | 5,927 |
| Average equity | $4,774,670 | 6,248 |
| Average total loans | $34,205,670 | 5,655 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 4,617 |
| Cost of funding earning assets | 1.4871% | 61 |
| Net interest margin | 2.3718% | 6,625 |
| Noninterest income to average assets | 0.4143% | 4,354 |
| Noninterest expense to average assets | 2.6432% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0071% | 6,353 |
| Return on assets (ROA) | -0.0071% | 6,426 |
| Pretax return on assets | -0.0071% | 6,417 |
| Return on Equity (ROE) | -0.0843% | 6,429 |
| Retained earnings to average equity (ytd only) | -0.0843% | 5,790 |
| Net charge-offs to loans | 0.0692% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.1667% | 3,866 |
| Efficiency ratio | 100.2710% | 536 |
| Assets per employee ($millions) | 4.2386% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 4,126 |
| Loan loss allowance to noncurrent loans | 423.4783% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 5,478 |
| Noncurrent loans to loans | 0.3356% | 5,564 |
| Net loans and leases to total assets | 61.3045% | 3,206 |
| Net loans and leases to deposits | 67.2761% | 3,875 |
| Net loans and leases to core deposits | 71.2779% | 3,918 |
| Total domestic deposits to total assets | 91.1237% | 477 |
| Equity capital to assets | 8.6131% | 5,904 |
| Core capital (leverage) ratio | 8.4091% | 5,698 |
| Tier 1 risk-based capital ratio | 17.1863% | 2,681 |
| Total risk-based capital ratio | 18.4429% | 2,649 |
| Memoranda: | ||
| Average total assets | $55,992,500 | 6,021 |
| Average earning assets | $52,449,500 | 5,966 |
| Average equity | $4,746,500 | 6,319 |
| Average total loans | $34,684,500 | 5,680 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 4,734 |
| Cost of funding earning assets | 1.5417% | 140 |
| Net interest margin | 2.6182% | 6,619 |
| Noninterest income to average assets | 0.4063% | 4,559 |
| Noninterest expense to average assets | 3.4649% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.6278% | 6,623 |
| Return on assets (ROA) | -0.6278% | 6,653 |
| Pretax return on assets | -0.6278% | 6,628 |
| Return on Equity (ROE) | -5.9827% | 6,626 |
| Retained earnings to average equity (ytd only) | -59.1816% | 7,031 |
| Net charge-offs to loans | 0.5889% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -1.6732% | 5,815 |
| Efficiency ratio | 122.1290% | 194 |
| Assets per employee ($millions) | 4.7403% | 2,588 |
| Cash dividends to net income (ytd only)* | -889.2128% | 7,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 4,153 |
| Loan loss allowance to noncurrent loans | 417.7966% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 5,298 |
| Noncurrent loans to loans | 0.3362% | 5,643 |
| Net loans and leases to total assets | 60.8424% | 3,446 |
| Net loans and leases to deposits | 66.5775% | 4,196 |
| Net loans and leases to core deposits | 70.7374% | 4,199 |
| Total domestic deposits to total assets | 91.3858% | 371 |
| Equity capital to assets | 8.3452% | 6,164 |
| Core capital (leverage) ratio | 8.4250% | 5,723 |
| Tier 1 risk-based capital ratio | 16.7431% | 2,776 |
| Total risk-based capital ratio | 18.0023% | 2,739 |
| Memoranda: | ||
| Average total assets | $54,633,200 | 6,061 |
| Average earning assets | $50,722,000 | 6,020 |
| Average equity | $5,733,200 | 6,088 |
| Average total loans | $34,812,600 | 5,725 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 4,649 |
| Cost of funding earning assets | 1.5407% | 167 |
| Net interest margin | 2.7089% | 6,634 |
| Noninterest income to average assets | 0.4019% | 4,622 |
| Noninterest expense to average assets | 3.3536% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4414% | 6,668 |
| Return on assets (ROA) | -0.4414% | 6,710 |
| Pretax return on assets | -0.4414% | 6,678 |
| Return on Equity (ROE) | -3.9911% | 6,675 |
| Retained earnings to average equity (ytd only) | -71.9968% | 7,146 |
| Net charge-offs to loans | 0.0959% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -7.1605% | 5,731 |
| Efficiency ratio | 115.1566% | 236 |
| Assets per employee ($millions) | 4.0633% | 3,745 |
| Cash dividends to net income (ytd only)* | -1,703.9177% | 7,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 2,294 |
| Loan loss allowance to noncurrent loans | 188.2682% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 4,509 |
| Noncurrent loans to loans | 1.0405% | 4,360 |
| Net loans and leases to total assets | 59.2975% | 3,906 |
| Net loans and leases to deposits | 65.0795% | 4,581 |
| Net loans and leases to core deposits | 68.0987% | 4,716 |
| Total domestic deposits to total assets | 91.1156% | 386 |
| Equity capital to assets | 8.6331% | 6,155 |
| Core capital (leverage) ratio | 8.7008% | 5,474 |
| Tier 1 risk-based capital ratio | 16.3755% | 3,080 |
| Total risk-based capital ratio | 16.3755% | 3,712 |
| Memoranda: | ||
| Average total assets | $54,070,750 | 6,152 |
| Average earning assets | $50,105,500 | 6,114 |
| Average equity | $5,979,750 | 6,096 |
| Average total loans | $34,740,250 | 5,806 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 4,356 |
| Cost of funding earning assets | 1.5107% | 234 |
| Net interest margin | 2.8462% | 6,503 |
| Noninterest income to average assets | 0.2823% | 5,555 |
| Noninterest expense to average assets | 3.2899% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3764% | 6,664 |
| Return on assets (ROA) | -0.3764% | 6,716 |
| Pretax return on assets | -0.3764% | 6,685 |
| Return on Equity (ROE) | -3.1566% | 6,682 |
| Retained earnings to average equity (ytd only) | -99.4318% | 7,204 |
| Net charge-offs to loans | 0.1549% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -3.7037% | 5,426 |
| Efficiency ratio | 112.9199% | 294 |
| Assets per employee ($millions) | 4.0531% | 3,761 |
| Cash dividends to net income (ytd only)* | -3,050.0000% | 7,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 2,492 |
| Loan loss allowance to noncurrent loans | 140.8805% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 4,140 |
| Noncurrent loans to loans | 1.3608% | 3,885 |
| Net loans and leases to total assets | 60.5890% | 3,716 |
| Net loans and leases to deposits | 66.6861% | 4,421 |
| Net loans and leases to core deposits | 69.4840% | 4,599 |
| Total domestic deposits to total assets | 90.8570% | 500 |
| Equity capital to assets | 8.9068% | 5,799 |
| Core capital (leverage) ratio | 9.2295% | 4,560 |
| Tier 1 risk-based capital ratio | 16.1583% | 3,090 |
| Total risk-based capital ratio | 17.4180% | 3,043 |
| Memoranda: | ||
| Average total assets | $53,132,330 | 6,222 |
| Average earning assets | $49,117,330 | 6,194 |
| Average equity | $6,336,000 | 6,029 |
| Average total loans | $34,851,670 | 5,834 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 3,869 |
| Cost of funding earning assets | 1.4503% | 353 |
| Net interest margin | 3.0598% | 6,156 |
| Noninterest income to average assets | 0.3429% | 5,113 |
| Noninterest expense to average assets | 3.2186% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0312% | 6,457 |
| Return on assets (ROA) | -0.0312% | 6,555 |
| Pretax return on assets | -0.0312% | 6,556 |
| Return on Equity (ROE) | -0.2293% | 6,555 |
| Retained earnings to average equity (ytd only) | -140.6908% | 7,277 |
| Net charge-offs to loans | 0.2762% | 2,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.1667% | 4,423 |
| Efficiency ratio | 100.9780% | 519 |
| Assets per employee ($millions) | 3.3599% | 5,437 |
| Cash dividends to net income (ytd only)* | -61,250.0000% | 7,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9593% | 2,494 |
| Loan loss allowance to noncurrent loans | 132.4165% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 3,795 |
| Noncurrent loans to loans | 1.4797% | 3,899 |
| Net loans and leases to total assets | 66.9193% | 2,306 |
| Net loans and leases to deposits | 75.7122% | 2,842 |
| Net loans and leases to core deposits | 75.7122% | 3,647 |
| Total domestic deposits to total assets | 88.3864% | 2,076 |
| Equity capital to assets | 11.4092% | 2,518 |
| Core capital (leverage) ratio | 11.3374% | 2,008 |
| Tier 1 risk-based capital ratio | 19.2843% | 1,903 |
| Total risk-based capital ratio | 20.5453% | 1,867 |
| Memoranda: | ||
| Average total assets | $51,327,000 | 6,331 |
| Average earning assets | $47,715,500 | 6,282 |
| Average equity | $6,977,000 | 5,882 |
| Average total loans | $34,751,500 | 5,884 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 5,582 |
| Cost of funding earning assets | 1.2084% | 1,976 |
| Net interest margin | 3.1485% | 6,221 |
| Noninterest income to average assets | 0.6206% | 3,059 |
| Noninterest expense to average assets | 3.6684% | 1,599 |
| Loan and lease loss provision to assets | 0.3879% | 2,665 |
| Net operating income to assets | -0.5172% | 6,501 |
| Return on assets (ROA) | 1.9735% | 345 |
| Pretax return on assets | 1.9735% | 559 |
| Return on Equity (ROE) | 21.9960% | 182 |
| Retained earnings to average equity (ytd only) | 12.8911% | 236 |
| Net charge-offs to loans | 0.3280% | 3,750 |
| Credit loss provision to net charge-offs | 195.2663% | 1,299 |
| Earnings coverage of net charge-offs (x) | -0.6509% | 6,132 |
| Efficiency ratio | 103.6533% | 578 |
| Assets per employee ($millions) | 3.0739% | 5,948 |
| Cash dividends to net income (ytd only)* | 41.3937% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9884% | 2,315 |
| Loan loss allowance to noncurrent loans | 96.5422% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.9366% | 3,058 |
| Noncurrent loans to loans | 2.0597% | 3,124 |
| Net loans and leases to total assets | 65.8393% | 2,820 |
| Net loans and leases to deposits | 78.2590% | 2,791 |
| Net loans and leases to core deposits | 86.1611% | 2,616 |
| Total domestic deposits to total assets | 84.1301% | 4,269 |
| Equity capital to assets | 15.6996% | 630 |
| Core capital (leverage) ratio | 15.5246% | 521 |
| Tier 1 risk-based capital ratio | 26.7833% | 723 |
| Total risk-based capital ratio | 28.0468% | 700 |
| Memoranda: | ||
| Average total assets | $85,077,200 | 5,307 |
| Average earning assets | $78,862,200 | 5,264 |
| Average equity | $7,633,200 | 5,681 |
| Average total loans | $51,522,400 | 5,212 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 5,450 |
| Cost of funding earning assets | 1.1979% | 2,329 |
| Net interest margin | 3.2463% | 6,028 |
| Noninterest income to average assets | 0.7061% | 2,568 |
| Noninterest expense to average assets | 3.8377% | 1,252 |
| Loan and lease loss provision to assets | 0.4717% | 2,103 |
| Net operating income to assets | -0.5975% | 6,696 |
| Return on assets (ROA) | 2.4313% | 179 |
| Pretax return on assets | 2.4313% | 278 |
| Return on Equity (ROE) | 30.2776% | 56 |
| Retained earnings to average equity (ytd only) | 22.2677% | 51 |
| Net charge-offs to loans | 0.3499% | 3,346 |
| Credit loss provision to net charge-offs | 226.0274% | 1,265 |
| Earnings coverage of net charge-offs (x) | -0.6027% | 5,862 |
| Efficiency ratio | 103.3885% | 571 |
| Assets per employee ($millions) | 3.1355% | 5,826 |
| Cash dividends to net income (ytd only)* | 26.4553% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 2,226 |
| Loan loss allowance to noncurrent loans | 126.4912% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 3,852 |
| Noncurrent loans to loans | 1.6140% | 3,877 |
| Net loans and leases to total assets | 64.9025% | 3,129 |
| Net loans and leases to deposits | 77.6840% | 3,051 |
| Net loans and leases to core deposits | 82.1227% | 3,312 |
| Total domestic deposits to total assets | 83.5469% | 4,461 |
| Equity capital to assets | 15.8922% | 649 |
| Core capital (leverage) ratio | 7.5912% | 6,703 |
| Tier 1 risk-based capital ratio | 28.8482% | 603 |
| Total risk-based capital ratio | 30.0436% | 595 |
| Memoranda: | ||
| Average total assets | $93,282,500 | 5,128 |
| Average earning assets | $86,373,750 | 5,081 |
| Average equity | $7,490,500 | 5,749 |
| Average total loans | $55,627,250 | 5,088 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 6,780 |
| Cost of funding earning assets | 1.0076% | 3,904 |
| Net interest margin | 2.9116% | 6,769 |
| Noninterest income to average assets | 0.5084% | 3,792 |
| Noninterest expense to average assets | 3.2999% | 2,565 |
| Loan and lease loss provision to assets | 0.1126% | 4,885 |
| Net operating income to assets | -0.2045% | 6,474 |
| Return on assets (ROA) | -0.2045% | 6,513 |
| Pretax return on assets | -0.2045% | 6,458 |
| Return on Equity (ROE) | -3.0431% | 6,592 |
| Retained earnings to average equity (ytd only) | -3.0431% | 6,376 |
| Net charge-offs to loans | 0.3654% | 3,091 |
| Credit loss provision to net charge-offs | 52.6316% | 4,517 |
| Earnings coverage of net charge-offs (x) | -0.4298% | 5,506 |
| Efficiency ratio | 102.8655% | 638 |
| Assets per employee ($millions) | 2.5478% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 6,919 |
| Loan loss allowance to noncurrent loans | 245.1777% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 5,836 |
| Noncurrent loans to loans | 0.3145% | 6,288 |
| Net loans and leases to total assets | 56.7328% | 4,864 |
| Net loans and leases to deposits | 60.8496% | 5,632 |
| Net loans and leases to core deposits | 62.3144% | 5,876 |
| Total domestic deposits to total assets | 93.2344% | 121 |
| Equity capital to assets | 6.4909% | 7,187 |
| Core capital (leverage) ratio | 6.5629% | 7,113 |
| Tier 1 risk-based capital ratio | 12.4036% | 5,436 |
| Total risk-based capital ratio | 13.2461% | 5,761 |
| Memoranda: | ||
| Average total assets | $106,609,000 | 4,788 |
| Average earning assets | $98,846,000 | 4,732 |
| Average equity | $7,163,670 | 5,877 |
| Average total loans | $62,397,670 | 4,857 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 6,730 |
| Cost of funding earning assets | 1.0246% | 4,031 |
| Net interest margin | 2.9546% | 6,667 |
| Noninterest income to average assets | 0.6240% | 3,013 |
| Noninterest expense to average assets | 3.4736% | 2,077 |
| Loan and lease loss provision to assets | 0.1141% | 4,585 |
| Net operating income to assets | -0.2321% | 6,595 |
| Return on assets (ROA) | -0.2321% | 6,607 |
| Pretax return on assets | -0.2321% | 6,563 |
| Return on Equity (ROE) | -3.3936% | 6,700 |
| Retained earnings to average equity (ytd only) | -3.3936% | 6,348 |
| Net charge-offs to loans | 0.2505% | 3,082 |
| Credit loss provision to net charge-offs | 76.9231% | 3,216 |
| Earnings coverage of net charge-offs (x) | -0.7949% | 4,867 |
| Efficiency ratio | 103.5147% | 640 |
| Assets per employee ($millions) | 2.7716% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 6,842 |
| Loan loss allowance to noncurrent loans | 67.5192% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2913% | 4,384 |
| Noncurrent loans to loans | 1.2428% | 4,612 |
| Net loans and leases to total assets | 59.2398% | 4,420 |
| Net loans and leases to deposits | 63.6757% | 5,294 |
| Net loans and leases to core deposits | 65.2663% | 5,591 |
| Total domestic deposits to total assets | 93.0337% | 134 |
| Equity capital to assets | 6.7983% | 7,139 |
| Core capital (leverage) ratio | 6.7463% | 7,099 |
| Tier 1 risk-based capital ratio | 12.5046% | 5,262 |
| Total risk-based capital ratio | 13.4267% | 5,523 |
| Memoranda: | ||
| Average total assets | $105,136,500 | 4,863 |
| Average earning assets | $97,204,000 | 4,818 |
| Average equity | $7,190,000 | 5,872 |
| Average total loans | $62,278,500 | 4,889 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 6,350 |
| Cost of funding earning assets | 1.1897% | 4,623 |
| Net interest margin | 3.3281% | 5,880 |
| Noninterest income to average assets | 0.6754% | 2,990 |
| Noninterest expense to average assets | 3.2310% | 2,974 |
| Loan and lease loss provision to assets | 0.1150% | 6,006 |
| Net operating income to assets | 0.3967% | 4,550 |
| Return on assets (ROA) | 0.3967% | 4,696 |
| Pretax return on assets | 0.3967% | 4,953 |
| Return on Equity (ROE) | 5.6695% | 3,745 |
| Retained earnings to average equity (ytd only) | 1.2119% | 4,945 |
| Net charge-offs to loans | 1.0263% | 2,143 |
| Credit loss provision to net charge-offs | 18.2946% | 6,567 |
| Earnings coverage of net charge-offs (x) | 0.8140% | 5,317 |
| Efficiency ratio | 86.3281% | 1,657 |
| Assets per employee ($millions) | 2.6238% | 6,815 |
| Cash dividends to net income (ytd only)* | 78.6241% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 6,796 |
| Loan loss allowance to noncurrent loans | 65.8896% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.3273% | 4,369 |
| Noncurrent loans to loans | 1.3223% | 4,511 |
| Net loans and leases to total assets | 58.2171% | 4,992 |
| Net loans and leases to deposits | 62.6223% | 5,782 |
| Net loans and leases to core deposits | 63.9121% | 6,059 |
| Total domestic deposits to total assets | 92.9654% | 143 |
| Equity capital to assets | 6.8793% | 7,146 |
| Core capital (leverage) ratio | 6.8754% | 7,078 |
| Tier 1 risk-based capital ratio | 12.6636% | 4,883 |
| Total risk-based capital ratio | 13.6054% | 5,126 |
| Memoranda: | ||
| Average total assets | $102,601,400 | 4,907 |
| Average earning assets | $94,559,400 | 4,878 |
| Average equity | $7,178,800 | 5,972 |
| Average total loans | $62,847,400 | 4,961 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 6,286 |
| Cost of funding earning assets | 1.2066% | 4,833 |
| Net interest margin | 3.4126% | 5,628 |
| Noninterest income to average assets | 0.7201% | 2,704 |
| Noninterest expense to average assets | 3.1916% | 2,954 |
| Loan and lease loss provision to assets | 0.1542% | 5,499 |
| Net operating income to assets | 0.5163% | 4,236 |
| Return on assets (ROA) | 0.5163% | 4,425 |
| Pretax return on assets | 0.5163% | 4,872 |
| Return on Equity (ROE) | 7.3467% | 3,177 |
| Retained earnings to average equity (ytd only) | 1.3950% | 5,248 |
| Net charge-offs to loans | 0.8403% | 2,352 |
| Credit loss provision to net charge-offs | 29.6482% | 6,157 |
| Earnings coverage of net charge-offs (x) | 1.2889% | 4,791 |
| Efficiency ratio | 82.6396% | 1,991 |
| Assets per employee ($millions) | 2.5329% | 7,042 |
| Cash dividends to net income (ytd only)* | 81.0140% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,388 |
| Loan loss allowance to noncurrent loans | 95.3715% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 5,262 |
| Noncurrent loans to loans | 1.2793% | 4,718 |
| Net loans and leases to total assets | 61.0421% | 4,709 |
| Net loans and leases to deposits | 65.7556% | 5,694 |
| Net loans and leases to core deposits | 66.7660% | 6,057 |
| Total domestic deposits to total assets | 92.8318% | 113 |
| Equity capital to assets | 6.9409% | 7,359 |
| Core capital (leverage) ratio | 7.0624% | 7,133 |
| Tier 1 risk-based capital ratio | 12.7136% | 4,802 |
| Total risk-based capital ratio | 13.9642% | 4,780 |
| Memoranda: | ||
| Average total assets | $102,013,750 | 4,990 |
| Average earning assets | $93,925,000 | 4,951 |
| Average equity | $7,168,500 | 6,056 |
| Average total loans | $63,150,000 | 5,018 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 6,264 |
| Cost of funding earning assets | 1.2382% | 4,906 |
| Net interest margin | 3.4255% | 5,533 |
| Noninterest income to average assets | 0.7081% | 2,658 |
| Noninterest expense to average assets | 3.1696% | 3,020 |
| Loan and lease loss provision to assets | 0.0158% | 6,761 |
| Net operating income to assets | 0.6765% | 3,504 |
| Return on assets (ROA) | 0.6765% | 3,650 |
| Pretax return on assets | 0.6765% | 4,322 |
| Return on Equity (ROE) | 9.5873% | 2,245 |
| Retained earnings to average equity (ytd only) | 0.6429% | 5,505 |
| Net charge-offs to loans | 0.3152% | 3,743 |
| Credit loss provision to net charge-offs | 8.0808% | 5,962 |
| Earnings coverage of net charge-offs (x) | 3.5455% | 3,280 |
| Efficiency ratio | 82.0735% | 2,154 |
| Assets per employee ($millions) | 2.6750% | 6,815 |
| Cash dividends to net income (ytd only)* | 93.2945% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,904 |
| Loan loss allowance to noncurrent loans | 710.2190% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 6,507 |
| Noncurrent loans to loans | 0.2119% | 6,828 |
| Net loans and leases to total assets | 62.6361% | 4,549 |
| Net loans and leases to deposits | 67.5103% | 5,610 |
| Net loans and leases to core deposits | 68.3452% | 6,032 |
| Total domestic deposits to total assets | 92.7801% | 127 |
| Equity capital to assets | 7.0399% | 7,334 |
| Core capital (leverage) ratio | 7.0557% | 7,154 |
| Tier 1 risk-based capital ratio | 12.6320% | 4,750 |
| Total risk-based capital ratio | 13.8870% | 4,709 |
| Memoranda: | ||
| Average total assets | $101,402,330 | 5,042 |
| Average earning assets | $93,359,670 | 5,005 |
| Average equity | $7,155,330 | 6,091 |
| Average total loans | $62,808,670 | 5,067 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 6,529 |
| Cost of funding earning assets | 1.2686% | 5,012 |
| Net interest margin | 3.3428% | 5,807 |
| Noninterest income to average assets | 0.6754% | 2,774 |
| Noninterest expense to average assets | 3.1675% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5885% | 3,946 |
| Return on assets (ROA) | 0.5885% | 4,090 |
| Pretax return on assets | 0.5885% | 4,659 |
| Return on Equity (ROE) | 8.3298% | 2,722 |
| Retained earnings to average equity (ytd only) | 2.4598% | 4,659 |
| Net charge-offs to loans | 0.5623% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.7126% | 3,704 |
| Efficiency ratio | 84.3323% | 1,994 |
| Assets per employee ($millions) | 2.6362% | 6,974 |
| Cash dividends to net income (ytd only)* | 70.4698% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 3,623 |
| Loan loss allowance to noncurrent loans | 610.6250% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 6,357 |
| Noncurrent loans to loans | 0.2552% | 6,824 |
| Net loans and leases to total assets | 61.6008% | 4,837 |
| Net loans and leases to deposits | 66.4763% | 5,770 |
| Net loans and leases to core deposits | 67.0892% | 6,197 |
| Total domestic deposits to total assets | 92.6658% | 146 |
| Equity capital to assets | 7.1645% | 7,303 |
| Core capital (leverage) ratio | 7.0890% | 7,185 |
| Tier 1 risk-based capital ratio | 12.5490% | 4,699 |
| Total risk-based capital ratio | 13.6715% | 4,765 |
| Memoranda: | ||
| Average total assets | $101,279,000 | 5,111 |
| Average earning assets | $93,334,000 | 5,071 |
| Average equity | $7,155,000 | 6,130 |
| Average total loans | $61,892,000 | 5,187 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4806% | 4,251 |
| Cost of funding earning assets | 1.4256% | 5,824 |
| Net interest margin | 4.0549% | 2,625 |
| Noninterest income to average assets | 0.7841% | 2,484 |
| Noninterest expense to average assets | 3.7134% | 1,882 |
| Loan and lease loss provision to assets | 0.0901% | 6,707 |
| Net operating income to assets | 0.6589% | 3,104 |
| Return on assets (ROA) | 0.6589% | 3,155 |
| Pretax return on assets | 0.6589% | 3,711 |
| Return on Equity (ROE) | 8.6599% | 2,139 |
| Retained earnings to average equity (ytd only) | -0.1846% | 4,988 |
| Net charge-offs to loans | 0.0931% | 6,196 |
| Credit loss provision to net charge-offs | 157.1429% | 2,865 |
| Earnings coverage of net charge-offs (x) | 13.0612% | 1,453 |
| Efficiency ratio | 83.2153% | 2,453 |
| Assets per employee ($millions) | 1.7962% | 7,824 |
| Cash dividends to net income (ytd only)* | 102.1314% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7414% | 2,742 |
| Loan loss allowance to noncurrent loans | 812.2137% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 6,865 |
| Noncurrent loans to loans | 0.2144% | 6,888 |
| Net loans and leases to total assets | 58.6371% | 5,548 |
| Net loans and leases to deposits | 63.1495% | 6,350 |
| Net loans and leases to core deposits | 78.5069% | 6,225 |
| Total domestic deposits to total assets | 92.8544% | 145 |
| Equity capital to assets | 6.9669% | 7,384 |
| Core capital (leverage) ratio | 7.0001% | 7,240 |
| Tier 1 risk-based capital ratio | 14.1508% | 3,405 |
| Total risk-based capital ratio | 15.4106% | 3,359 |
| Memoranda: | ||
| Average total assets | $85,447,200 | 5,545 |
| Average earning assets | $77,510,400 | 5,542 |
| Average equity | $6,501,200 | 6,427 |
| Average total loans | $52,635,000 | 5,559 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 3,781 |
| Cost of funding earning assets | 1.4235% | 6,140 |
| Net interest margin | 4.1905% | 2,096 |
| Noninterest income to average assets | 0.7683% | 2,602 |
| Noninterest expense to average assets | 3.7809% | 1,634 |
| Loan and lease loss provision to assets | 0.0936% | 6,431 |
| Net operating income to assets | 0.6780% | 3,283 |
| Return on assets (ROA) | 0.6780% | 3,348 |
| Pretax return on assets | 0.6780% | 3,935 |
| Return on Equity (ROE) | 8.6809% | 2,383 |
| Retained earnings to average equity (ytd only) | -1.5134% | 5,613 |
| Net charge-offs to loans | 0.0528% | 6,181 |
| Credit loss provision to net charge-offs | 285.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 23.4964% | 1,117 |
| Efficiency ratio | 83.0508% | 2,425 |
| Assets per employee ($millions) | 2.9257% | 6,343 |
| Cash dividends to net income (ytd only)* | 117.4339% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 2,377 |
| Loan loss allowance to noncurrent loans | 189.0653% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 5,308 |
| Noncurrent loans to loans | 0.9373% | 5,420 |
| Net loans and leases to total assets | 59.7378% | 5,620 |
| Net loans and leases to deposits | 64.4956% | 6,453 |
| Net loans and leases to core deposits | 78.2170% | 6,468 |
| Total domestic deposits to total assets | 92.6231% | 113 |
| Equity capital to assets | 7.1105% | 7,544 |
| Core capital (leverage) ratio | 7.6573% | 6,790 |
| Tier 1 risk-based capital ratio | 13.0701% | 4,141 |
| Total risk-based capital ratio | 14.3211% | 4,078 |
| Memoranda: | ||
| Average total assets | $81,213,000 | 5,725 |
| Average earning assets | $73,338,500 | 5,740 |
| Average equity | $6,343,250 | 6,542 |
| Average total loans | $50,519,000 | 5,690 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6039% | 4,055 |
| Cost of funding earning assets | 1.3713% | 6,579 |
| Net interest margin | 4.2326% | 1,871 |
| Noninterest income to average assets | 0.7321% | 2,805 |
| Noninterest expense to average assets | 3.6685% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8599% | 2,611 |
| Return on assets (ROA) | 0.8599% | 2,715 |
| Pretax return on assets | 0.8599% | 3,474 |
| Return on Equity (ROE) | 10.5902% | 1,826 |
| Retained earnings to average equity (ytd only) | 5.6721% | 2,170 |
| Net charge-offs to loans | 0.1144% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 11.9630% | 1,856 |
| Efficiency ratio | 81.0112% | 2,882 |
| Assets per employee ($millions) | 2.3775% | 7,462 |
| Cash dividends to net income (ytd only)* | 46.4396% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 2,572 |
| Loan loss allowance to noncurrent loans | 1,736.9565% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 6,257 |
| Noncurrent loans to loans | 0.0944% | 7,292 |
| Net loans and leases to total assets | 63.0179% | 5,181 |
| Net loans and leases to deposits | 68.7685% | 6,118 |
| Net loans and leases to core deposits | 79.7604% | 6,430 |
| Total domestic deposits to total assets | 91.6377% | 283 |
| Equity capital to assets | 8.1414% | 6,574 |
| Core capital (leverage) ratio | 8.1231% | 6,119 |
| Tier 1 risk-based capital ratio | 14.7136% | 3,139 |
| Total risk-based capital ratio | 15.9726% | 3,074 |
| Memoranda: | ||
| Average total assets | $75,126,330 | 5,944 |
| Average earning assets | $67,382,000 | 5,970 |
| Average equity | $6,100,000 | 6,686 |
| Average total loans | $47,193,670 | 5,880 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5445% | 4,669 |
| Cost of funding earning assets | 1.3965% | 6,745 |
| Net interest margin | 4.1480% | 2,095 |
| Noninterest income to average assets | 0.7180% | 2,774 |
| Noninterest expense to average assets | 3.8044% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6537% | 3,779 |
| Return on assets (ROA) | 0.6537% | 3,964 |
| Pretax return on assets | 0.6537% | 4,580 |
| Return on Equity (ROE) | 8.0621% | 3,121 |
| Retained earnings to average equity (ytd only) | 4.0971% | 3,619 |
| Net charge-offs to loans | 0.3447% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.0500% | 3,293 |
| Efficiency ratio | 85.3365% | 2,153 |
| Assets per employee ($millions) | 2.2114% | 7,697 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 2,151 |
| Loan loss allowance to noncurrent loans | 683.4783% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 5,349 |
| Noncurrent loans to loans | 0.2488% | 6,826 |
| Net loans and leases to total assets | 60.4299% | 5,587 |
| Net loans and leases to deposits | 65.8999% | 6,385 |
| Net loans and leases to core deposits | 75.8113% | 6,686 |
| Total domestic deposits to total assets | 91.6995% | 229 |
| Equity capital to assets | 8.0917% | 6,684 |
| Core capital (leverage) ratio | 8.2216% | 6,057 |
| Tier 1 risk-based capital ratio | 14.8173% | 3,149 |
| Total risk-based capital ratio | 16.0789% | 3,073 |
| Memoranda: | ||
| Average total assets | $74,649,500 | 5,985 |
| Average earning assets | $67,310,000 | 5,996 |
| Average equity | $6,053,000 | 6,740 |
| Average total loans | $46,419,000 | 5,941 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3038% | 3,943 |
| Cost of funding earning assets | 2.0824% | 6,124 |
| Net interest margin | 4.2214% | 2,223 |
| Noninterest income to average assets | 0.7352% | 2,870 |
| Noninterest expense to average assets | 3.7308% | 1,891 |
| Loan and lease loss provision to assets | 0.0507% | 6,779 |
| Net operating income to assets | 0.8291% | 3,315 |
| Return on assets (ROA) | 0.8291% | 3,149 |
| Pretax return on assets | 0.8291% | 3,962 |
| Return on Equity (ROE) | 10.7146% | 1,999 |
| Retained earnings to average equity (ytd only) | -4.3579% | 6,389 |
| Net charge-offs to loans | 0.0168% | 6,637 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 86.7500% | 489 |
| Efficiency ratio | 80.9183% | 2,466 |
| Assets per employee ($millions) | 2.1797% | 7,741 |
| Cash dividends to net income (ytd only)* | 140.6728% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 1,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 6,235 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 61.7857% | 5,650 |
| Net loans and leases to deposits | 67.4513% | 6,511 |
| Net loans and leases to core deposits | 76.9063% | 6,805 |
| Total domestic deposits to total assets | 91.6004% | 191 |
| Equity capital to assets | 8.1256% | 6,665 |
| Core capital (leverage) ratio | 8.0685% | 6,380 |
| Tier 1 risk-based capital ratio | 14.6257% | 3,242 |
| Total risk-based capital ratio | 15.8838% | 3,156 |
| Memoranda: | ||
| Average total assets | $78,884,800 | 5,733 |
| Average earning assets | $72,416,400 | 5,727 |
| Average equity | $6,103,800 | 6,765 |
| Average total loans | $47,554,800 | 5,803 |