Home > Security Bank of the Ozarks > Performance and Condition Ratios
Security Bank of the Ozarks, 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 | 6.4469% | 771 |
| Cost of funding earning assets | 1.8065% | 2,706 |
| Net interest margin | 4.6404% | 535 |
| Noninterest income to average assets | 0.5200% | 1,840 |
| Noninterest expense to average assets | 3.0947% | 1,000 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 1.4044% | 1,066 |
| Return on assets (ROA) | 1.4044% | 1,064 |
| Pretax return on assets | 1.4044% | 1,506 |
| Return on Equity (ROE) | 22.9700% | 255 |
| Retained earnings to average equity (ytd only) | 4.1427% | 2,571 |
| Net charge-offs to loans | 0.1818% | 759 |
| Credit loss provision to net charge-offs | 105.8140% | 1,804 |
| Earnings coverage of net charge-offs (x) | 13.4186% | 2,115 |
| Efficiency ratio | 65.8412% | 2,509 |
| Assets per employee ($millions) | 3.1695% | 4,267 |
| Cash dividends to net income (ytd only)* | 81.9632% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,372 |
| Loan loss allowance to noncurrent loans | 34.4828% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.2828% | 149 |
| Noncurrent loans to loans | 2.8173% | 220 |
| Net loans and leases to total assets | 64.9900% | 2,472 |
| Net loans and leases to deposits | 69.3540% | 3,000 |
| Net loans and leases to core deposits | 75.7918% | 3,058 |
| Total domestic deposits to total assets | 93.7100% | 118 |
| Equity capital to assets | 6.0203% | 4,204 |
| Core capital (leverage) ratio | 7.3896% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1294% | 2,724 |
| Memoranda: | ||
| Average total assets | $147,253,400 | 3,380 |
| Average earning assets | $131,304,400 | 3,424 |
| Average equity | $9,003,800 | 3,864 |
| Average total loans | $94,628,000 | 3,260 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4264% | 760 |
| Cost of funding earning assets | 1.7455% | 2,852 |
| Net interest margin | 4.6809% | 501 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 3.0924% | 987 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 1.4736% | 970 |
| Return on assets (ROA) | 1.4736% | 969 |
| Pretax return on assets | 1.4736% | 1,353 |
| Return on Equity (ROE) | 24.0000% | 230 |
| Retained earnings to average equity (ytd only) | 1.0262% | 3,720 |
| Net charge-offs to loans | 0.1757% | 664 |
| Credit loss provision to net charge-offs | 99.1870% | 1,682 |
| Earnings coverage of net charge-offs (x) | 14.5854% | 1,945 |
| Efficiency ratio | 64.8523% | 2,612 |
| Assets per employee ($millions) | 3.2140% | 4,285 |
| Cash dividends to net income (ytd only)* | 95.7249% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,205 |
| Loan loss allowance to noncurrent loans | 32.9440% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.3640% | 140 |
| Noncurrent loans to loans | 3.0570% | 191 |
| Net loans and leases to total assets | 62.4000% | 2,687 |
| Net loans and leases to deposits | 66.7904% | 3,198 |
| Net loans and leases to core deposits | 72.9823% | 3,239 |
| Total domestic deposits to total assets | 93.4300% | 64 |
| Equity capital to assets | 6.2545% | 4,292 |
| Core capital (leverage) ratio | 7.2213% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2407% | 2,735 |
| Memoranda: | ||
| Average total assets | $146,033,000 | 3,398 |
| Average earning assets | $130,086,000 | 3,441 |
| Average equity | $8,965,000 | 3,882 |
| Average total loans | $93,323,000 | 3,285 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3981% | 711 |
| Cost of funding earning assets | 1.6647% | 2,937 |
| Net interest margin | 4.7334% | 457 |
| Noninterest income to average assets | 0.5900% | 1,488 |
| Noninterest expense to average assets | 3.1145% | 937 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 1.5101% | 897 |
| Return on assets (ROA) | 1.5101% | 899 |
| Pretax return on assets | 1.5101% | 1,262 |
| Return on Equity (ROE) | 24.7600% | 230 |
| Retained earnings to average equity (ytd only) | -3.9755% | 4,269 |
| Net charge-offs to loans | 0.0367% | 1,445 |
| Credit loss provision to net charge-offs | 705.8824% | 502 |
| Earnings coverage of net charge-offs (x) | 71.1765% | 942 |
| Efficiency ratio | 64.4881% | 2,707 |
| Assets per employee ($millions) | 3.0228% | 4,332 |
| Cash dividends to net income (ytd only)* | 116.0550% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 2,606 |
| Loan loss allowance to noncurrent loans | 39.0378% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 2.3448% | 125 |
| Noncurrent loans to loans | 2.8964% | 198 |
| Net loans and leases to total assets | 62.7500% | 2,674 |
| Net loans and leases to deposits | 66.7387% | 3,216 |
| Net loans and leases to core deposits | 72.3750% | 3,243 |
| Total domestic deposits to total assets | 94.0300% | 85 |
| Equity capital to assets | 5.7056% | 4,273 |
| Core capital (leverage) ratio | 7.3977% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1239% | 2,766 |
| Memoranda: | ||
| Average total assets | $144,357,667 | 3,426 |
| Average earning assets | $128,195,000 | 3,467 |
| Average equity | $8,804,000 | 3,883 |
| Average total loans | $92,689,667 | 3,285 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4035% | 651 |
| Cost of funding earning assets | 1.5724% | 3,034 |
| Net interest margin | 4.8311% | 399 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 3.1135% | 946 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 1.5216% | 863 |
| Return on assets (ROA) | 1.5216% | 876 |
| Pretax return on assets | 1.5216% | 1,216 |
| Return on Equity (ROE) | 24.1400% | 260 |
| Retained earnings to average equity (ytd only) | -0.3563% | 3,776 |
| Net charge-offs to loans | 0.0391% | 1,141 |
| Credit loss provision to net charge-offs | 666.6667% | 431 |
| Earnings coverage of net charge-offs (x) | 66.8889% | 842 |
| Efficiency ratio | 64.2899% | 2,778 |
| Assets per employee ($millions) | 3.0202% | 4,364 |
| Cash dividends to net income (ytd only)* | 101.4760% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 2,922 |
| Loan loss allowance to noncurrent loans | 252.1197% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 810 |
| Noncurrent loans to loans | 0.4275% | 1,855 |
| Net loans and leases to total assets | 65.3600% | 2,323 |
| Net loans and leases to deposits | 69.9128% | 2,895 |
| Net loans and leases to core deposits | 75.7936% | 2,994 |
| Total domestic deposits to total assets | 93.4900% | 150 |
| Equity capital to assets | 6.2501% | 4,150 |
| Core capital (leverage) ratio | 7.5958% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2032% | 2,767 |
| Memoranda: | ||
| Average total assets | $142,478,000 | 3,453 |
| Average earning assets | $126,430,000 | 3,493 |
| Average equity | $8,980,500 | 3,882 |
| Average total loans | $92,028,500 | 3,298 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7601% | 875 |
| Cost of funding earning assets | 1.1280% | 2,995 |
| Net interest margin | 4.6321% | 507 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 3.0774% | 995 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.4644% | 1,089 |
| Return on assets (ROA) | 1.4630% | 1,063 |
| Pretax return on assets | 1.4630% | 1,503 |
| Return on Equity (ROE) | 26.1900% | 276 |
| Retained earnings to average equity (ytd only) | 13.0179% | 501 |
| Net charge-offs to loans | 0.1507% | 685 |
| Credit loss provision to net charge-offs | 135.3383% | 1,555 |
| Earnings coverage of net charge-offs (x) | 16.8421% | 1,989 |
| Efficiency ratio | 65.3372% | 2,437 |
| Assets per employee ($millions) | 3.0427% | 4,378 |
| Cash dividends to net income (ytd only)* | 50.2915% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,008 |
| Loan loss allowance to noncurrent loans | 428.5714% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 882 |
| Noncurrent loans to loans | 0.2482% | 2,311 |
| Net loans and leases to total assets | 62.4500% | 2,637 |
| Net loans and leases to deposits | 66.8513% | 3,116 |
| Net loans and leases to core deposits | 71.5021% | 3,221 |
| Total domestic deposits to total assets | 93.4100% | 141 |
| Equity capital to assets | 6.3556% | 4,157 |
| Core capital (leverage) ratio | 7.6686% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5109% | 2,715 |
| Memoranda: | ||
| Average total assets | $140,671,000 | 3,455 |
| Average earning assets | $123,852,800 | 3,508 |
| Average equity | $7,858,400 | 3,947 |
| Average total loans | $88,253,200 | 3,314 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 948 |
| Cost of funding earning assets | 1.0508% | 2,888 |
| Net interest margin | 4.5105% | 606 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 3.0942% | 937 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.3915% | 1,342 |
| Return on assets (ROA) | 1.3896% | 1,330 |
| Pretax return on assets | 1.3896% | 1,802 |
| Return on Equity (ROE) | 25.7800% | 362 |
| Retained earnings to average equity (ytd only) | 7.5046% | 2,142 |
| Net charge-offs to loans | 0.1337% | 605 |
| Credit loss provision to net charge-offs | 153.4091% | 1,310 |
| Earnings coverage of net charge-offs (x) | 18.1477% | 1,877 |
| Efficiency ratio | 66.4810% | 2,221 |
| Assets per employee ($millions) | 3.0400% | 4,392 |
| Cash dividends to net income (ytd only)* | 70.8904% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,094 |
| Loan loss allowance to noncurrent loans | 640.0000% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 980 |
| Noncurrent loans to loans | 0.1649% | 2,720 |
| Net loans and leases to total assets | 62.9900% | 2,559 |
| Net loans and leases to deposits | 66.4899% | 3,089 |
| Net loans and leases to core deposits | 71.3974% | 3,140 |
| Total domestic deposits to total assets | 94.7400% | 138 |
| Equity capital to assets | 4.9055% | 4,267 |
| Core capital (leverage) ratio | 7.0999% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8026% | 2,852 |
| Memoranda: | ||
| Average total assets | $140,087,000 | 3,464 |
| Average earning assets | $123,206,250 | 3,516 |
| Average equity | $7,550,750 | 3,989 |
| Average total loans | $87,750,500 | 3,323 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 1,092 |
| Cost of funding earning assets | 0.9324% | 2,826 |
| Net interest margin | 4.3595% | 742 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 3.0671% | 945 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.3136% | 1,534 |
| Return on assets (ROA) | 1.3108% | 1,529 |
| Pretax return on assets | 1.3108% | 2,052 |
| Return on Equity (ROE) | 23.5900% | 453 |
| Retained earnings to average equity (ytd only) | 5.4842% | 2,792 |
| Net charge-offs to loans | -0.0138% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.4315% | 2,057 |
| Assets per employee ($millions) | 3.2022% | 4,400 |
| Cash dividends to net income (ytd only)* | 76.7544% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,747 |
| Loan loss allowance to noncurrent loans | 375.0929% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 771 |
| Noncurrent loans to loans | 0.3043% | 2,047 |
| Net loans and leases to total assets | 60.6500% | 2,711 |
| Net loans and leases to deposits | 64.2313% | 3,175 |
| Net loans and leases to core deposits | 68.3644% | 3,216 |
| Total domestic deposits to total assets | 94.4200% | 129 |
| Equity capital to assets | 5.3629% | 4,316 |
| Core capital (leverage) ratio | 7.2675% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9469% | 2,852 |
| Memoranda: | ||
| Average total assets | $139,156,000 | 3,483 |
| Average earning assets | $122,262,333 | 3,537 |
| Average equity | $7,731,333 | 3,981 |
| Average total loans | $86,680,667 | 3,340 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 902 |
| Cost of funding earning assets | 0.8328% | 2,589 |
| Net interest margin | 4.4092% | 673 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 3.1986% | 800 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.0477% | 2,394 |
| Return on assets (ROA) | 1.1062% | 2,172 |
| Pretax return on assets | 1.1062% | 2,686 |
| Return on Equity (ROE) | 19.5500% | 814 |
| Retained earnings to average equity (ytd only) | -2.4311% | 4,225 |
| Net charge-offs to loans | -0.0513% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.4599% | 1,499 |
| Assets per employee ($millions) | 2.9708% | 4,503 |
| Cash dividends to net income (ytd only)* | 112.4339% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 2,934 |
| Loan loss allowance to noncurrent loans | 1,345.8333% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 899 |
| Noncurrent loans to loans | 0.0836% | 3,144 |
| Net loans and leases to total assets | 62.3000% | 2,439 |
| Net loans and leases to deposits | 66.1996% | 2,917 |
| Net loans and leases to core deposits | 68.7656% | 3,038 |
| Total domestic deposits to total assets | 94.1100% | 160 |
| Equity capital to assets | 5.7451% | 4,276 |
| Core capital (leverage) ratio | 7.1386% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0370% | 2,940 |
| Memoranda: | ||
| Average total assets | $136,683,500 | 3,548 |
| Average earning assets | $119,114,000 | 3,619 |
| Average equity | $7,733,000 | 4,029 |
| Average total loans | $85,819,000 | 3,391 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 646 |
| Cost of funding earning assets | 0.3708% | 2,325 |
| Net interest margin | 4.1903% | 548 |
| Noninterest income to average assets | 1.1000% | 545 |
| Noninterest expense to average assets | 3.0370% | 916 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.6369% | 629 |
| Return on assets (ROA) | 1.5621% | 722 |
| Pretax return on assets | 1.5621% | 1,263 |
| Return on Equity (ROE) | 25.8000% | 182 |
| Retained earnings to average equity (ytd only) | 3.9463% | 3,416 |
| Net charge-offs to loans | 0.0616% | 1,035 |
| Credit loss provision to net charge-offs | 367.3469% | 809 |
| Earnings coverage of net charge-offs (x) | 49.2449% | 1,377 |
| Efficiency ratio | 62.6297% | 2,683 |
| Assets per employee ($millions) | 2.9720% | 4,532 |
| Cash dividends to net income (ytd only)* | 84.7020% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,050 |
| Loan loss allowance to noncurrent loans | 3,804.1667% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 935 |
| Noncurrent loans to loans | 0.0281% | 3,591 |
| Net loans and leases to total assets | 61.9000% | 2,450 |
| Net loans and leases to deposits | 65.5826% | 2,915 |
| Net loans and leases to core deposits | 68.4966% | 2,981 |
| Total domestic deposits to total assets | 94.3800% | 201 |
| Equity capital to assets | 5.5701% | 4,224 |
| Core capital (leverage) ratio | 7.0635% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1016% | 2,955 |
| Memoranda: | ||
| Average total assets | $136,418,000 | 3,571 |
| Average earning assets | $120,565,400 | 3,617 |
| Average equity | $8,261,000 | 4,072 |
| Average total loans | $79,516,000 | 3,423 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 603 |
| Cost of funding earning assets | 0.3463% | 1,735 |
| Net interest margin | 4.0378% | 595 |
| Noninterest income to average assets | 1.3500% | 405 |
| Noninterest expense to average assets | 2.9640% | 953 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.8218% | 410 |
| Return on assets (ROA) | 1.8218% | 400 |
| Pretax return on assets | 1.8218% | 697 |
| Return on Equity (ROE) | 29.4900% | 108 |
| Retained earnings to average equity (ytd only) | 4.8915% | 3,142 |
| Net charge-offs to loans | 0.0701% | 805 |
| Credit loss provision to net charge-offs | 329.2683% | 771 |
| Earnings coverage of net charge-offs (x) | 48.7317% | 1,301 |
| Efficiency ratio | 59.7137% | 3,146 |
| Assets per employee ($millions) | 2.8903% | 4,582 |
| Cash dividends to net income (ytd only)* | 83.4138% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 3,156 |
| Loan loss allowance to noncurrent loans | 2,367.5676% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 947 |
| Noncurrent loans to loans | 0.0451% | 3,566 |
| Net loans and leases to total assets | 57.3000% | 2,771 |
| Net loans and leases to deposits | 60.1658% | 3,185 |
| Net loans and leases to core deposits | 62.5618% | 3,211 |
| Total domestic deposits to total assets | 95.2400% | 192 |
| Equity capital to assets | 4.6891% | 4,354 |
| Core capital (leverage) ratio | 7.0369% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2525% | 2,997 |
| Memoranda: | ||
| Average total assets | $136,344,750 | 3,592 |
| Average earning assets | $120,525,750 | 3,639 |
| Average equity | $8,422,500 | 4,104 |
| Average total loans | $78,012,250 | 3,453 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 530 |
| Cost of funding earning assets | 0.3481% | 1,280 |
| Net interest margin | 3.9456% | 561 |
| Noninterest income to average assets | 0.6405% | 1,582 |
| Noninterest expense to average assets | 2.8993% | 991 |
| Loan and lease loss provision to assets | 0.1337% | 715 |
| Net operating income to assets | 1.0937% | 1,797 |
| Return on assets (ROA) | 1.0937% | 1,783 |
| Pretax return on assets | 1.0937% | 2,432 |
| Return on Equity (ROE) | 16.3259% | 657 |
| Retained earnings to average equity (ytd only) | 7.5641% | 1,780 |
| Net charge-offs to loans | -0.0078% | 3,496 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6075% | 2,016 |
| Assets per employee ($millions) | 2.7310% | 4,650 |
| Cash dividends to net income (ytd only)* | 53.6685% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 3,029 |
| Loan loss allowance to noncurrent loans | 866.3366% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 876 |
| Noncurrent loans to loans | 0.1305% | 3,067 |
| Net loans and leases to total assets | 56.0411% | 2,750 |
| Net loans and leases to deposits | 59.4649% | 3,091 |
| Net loans and leases to core deposits | 62.3283% | 3,088 |
| Total domestic deposits to total assets | 94.2423% | 246 |
| Equity capital to assets | 5.6918% | 4,304 |
| Core capital (leverage) ratio | 7.1403% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9237% | 2,834 |
| Memoranda: | ||
| Average total assets | $134,584,000 | 3,654 |
| Average earning assets | $118,918,000 | 3,710 |
| Average equity | $9,016,333 | 4,102 |
| Average total loans | $76,672,000 | 3,509 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 512 |
| Cost of funding earning assets | 0.3486% | 1,218 |
| Net interest margin | 3.8547% | 560 |
| Noninterest income to average assets | 0.5060% | 2,114 |
| Noninterest expense to average assets | 2.9221% | 924 |
| Loan and lease loss provision to assets | 0.1347% | 602 |
| Net operating income to assets | 0.8593% | 2,454 |
| Return on assets (ROA) | 0.8593% | 2,444 |
| Pretax return on assets | 0.8593% | 2,912 |
| Return on Equity (ROE) | 11.9106% | 1,341 |
| Retained earnings to average equity (ytd only) | 11.9106% | 619 |
| Net charge-offs to loans | 0.0734% | 627 |
| Credit loss provision to net charge-offs | 321.4286% | 649 |
| Earnings coverage of net charge-offs (x) | 23.7143% | 1,225 |
| Efficiency ratio | 73.9297% | 1,748 |
| Assets per employee ($millions) | 2.7536% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,570 |
| Loan loss allowance to noncurrent loans | 1,426.3158% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.7167% | 787 |
| Noncurrent loans to loans | 0.0727% | 3,488 |
| Net loans and leases to total assets | 57.4734% | 2,359 |
| Net loans and leases to deposits | 61.6227% | 2,750 |
| Net loans and leases to core deposits | 64.6572% | 2,746 |
| Total domestic deposits to total assets | 93.2666% | 212 |
| Equity capital to assets | 6.6652% | 4,359 |
| Core capital (leverage) ratio | 7.1973% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1184% | 2,866 |
| Memoranda: | ||
| Average total assets | $133,602,000 | 3,685 |
| Average earning assets | $118,192,500 | 3,739 |
| Average equity | $9,638,500 | 4,099 |
| Average total loans | $76,309,000 | 3,520 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 286 |
| Cost of funding earning assets | 0.3866% | 1,638 |
| Net interest margin | 4.5413% | 250 |
| Noninterest income to average assets | 0.4989% | 2,568 |
| Noninterest expense to average assets | 2.8478% | 1,253 |
| Loan and lease loss provision to assets | 0.1412% | 854 |
| Net operating income to assets | 1.5282% | 963 |
| Return on assets (ROA) | 1.5282% | 997 |
| Pretax return on assets | 1.5282% | 1,627 |
| Return on Equity (ROE) | 19.1627% | 363 |
| Retained earnings to average equity (ytd only) | 6.2170% | 2,263 |
| Net charge-offs to loans | 0.3125% | 270 |
| Credit loss provision to net charge-offs | 77.5862% | 1,973 |
| Earnings coverage of net charge-offs (x) | 9.1724% | 2,271 |
| Efficiency ratio | 62.4175% | 2,800 |
| Assets per employee ($millions) | 2.6456% | 4,731 |
| Cash dividends to net income (ytd only)* | 67.5565% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,557 |
| Loan loss allowance to noncurrent loans | 1,629.1667% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 867 |
| Noncurrent loans to loans | 0.0646% | 3,621 |
| Net loans and leases to total assets | 55.5470% | 2,669 |
| Net loans and leases to deposits | 60.2636% | 3,050 |
| Net loans and leases to core deposits | 63.2180% | 3,053 |
| Total domestic deposits to total assets | 92.1734% | 139 |
| Equity capital to assets | 7.7745% | 4,479 |
| Core capital (leverage) ratio | 7.1380% | 4,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9385% | 2,905 |
| Memoranda: | ||
| Average total assets | $127,468,800 | 3,710 |
| Average earning assets | $112,787,400 | 3,781 |
| Average equity | $10,165,600 | 4,108 |
| Average total loans | $74,229,200 | 3,581 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 222 |
| Cost of funding earning assets | 0.3967% | 1,716 |
| Net interest margin | 4.8080% | 194 |
| Noninterest income to average assets | 0.5417% | 2,451 |
| Noninterest expense to average assets | 2.8785% | 1,166 |
| Loan and lease loss provision to assets | 0.1426% | 795 |
| Net operating income to assets | 1.7698% | 711 |
| Return on assets (ROA) | 1.7698% | 747 |
| Pretax return on assets | 1.7698% | 1,240 |
| Return on Equity (ROE) | 22.0463% | 302 |
| Retained earnings to average equity (ytd only) | 8.6291% | 1,823 |
| Net charge-offs to loans | 0.0377% | 1,333 |
| Credit loss provision to net charge-offs | 642.8571% | 677 |
| Earnings coverage of net charge-offs (x) | 86.2381% | 940 |
| Efficiency ratio | 59.4666% | 3,073 |
| Assets per employee ($millions) | 2.6905% | 4,796 |
| Cash dividends to net income (ytd only)* | 60.8592% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 2,563 |
| Loan loss allowance to noncurrent loans | 96.0486% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9004% | 767 |
| Noncurrent loans to loans | 1.3389% | 798 |
| Net loans and leases to total assets | 55.1966% | 2,825 |
| Net loans and leases to deposits | 60.0196% | 3,227 |
| Net loans and leases to core deposits | 62.9729% | 3,222 |
| Total domestic deposits to total assets | 91.9643% | 137 |
| Equity capital to assets | 7.8787% | 4,570 |
| Core capital (leverage) ratio | 7.0815% | 4,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7802% | 2,783 |
| Memoranda: | ||
| Average total assets | $126,266,250 | 3,764 |
| Average earning assets | $111,588,000 | 3,836 |
| Average equity | $10,136,000 | 4,170 |
| Average total loans | $74,221,750 | 3,625 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7340% | 126 |
| Cost of funding earning assets | 0.4087% | 1,810 |
| Net interest margin | 5.3253% | 119 |
| Noninterest income to average assets | 0.5723% | 2,328 |
| Noninterest expense to average assets | 2.9001% | 1,147 |
| Loan and lease loss provision to assets | 0.1447% | 835 |
| Net operating income to assets | 2.2201% | 327 |
| Return on assets (ROA) | 2.2201% | 347 |
| Pretax return on assets | 2.2201% | 557 |
| Return on Equity (ROE) | 27.4762% | 137 |
| Retained earnings to average equity (ytd only) | 12.1564% | 881 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5344% | 3,735 |
| Assets per employee ($millions) | 2.5147% | 4,848 |
| Cash dividends to net income (ytd only)* | 55.7567% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,923 |
| Loan loss allowance to noncurrent loans | 95.2577% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 867 |
| Noncurrent loans to loans | 1.2622% | 941 |
| Net loans and leases to total assets | 58.0654% | 2,660 |
| Net loans and leases to deposits | 63.1528% | 3,087 |
| Net loans and leases to core deposits | 66.1376% | 3,098 |
| Total domestic deposits to total assets | 91.9442% | 137 |
| Equity capital to assets | 7.9288% | 4,570 |
| Core capital (leverage) ratio | 7.3626% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1676% | 2,929 |
| Memoranda: | ||
| Average total assets | $124,409,667 | 3,806 |
| Average earning assets | $109,627,000 | 3,881 |
| Average equity | $10,052,333 | 4,195 |
| Average total loans | $74,390,000 | 3,644 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 447 |
| Cost of funding earning assets | 0.4273% | 1,878 |
| Net interest margin | 4.4233% | 408 |
| Noninterest income to average assets | 0.4949% | 2,636 |
| Noninterest expense to average assets | 2.9002% | 1,157 |
| Loan and lease loss provision to assets | 0.1485% | 878 |
| Net operating income to assets | 1.3396% | 1,710 |
| Return on assets (ROA) | 1.3396% | 1,797 |
| Pretax return on assets | 1.3396% | 2,460 |
| Return on Equity (ROE) | 16.4132% | 941 |
| Retained earnings to average equity (ytd only) | 7.9236% | 2,265 |
| Net charge-offs to loans | -0.0164% | 3,902 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4135% | 2,313 |
| Assets per employee ($millions) | 2.5915% | 4,874 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,059 |
| Loan loss allowance to noncurrent loans | 75.2560% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 717 |
| Noncurrent loans to loans | 1.5628% | 784 |
| Net loans and leases to total assets | 59.5784% | 2,590 |
| Net loans and leases to deposits | 64.8076% | 3,048 |
| Net loans and leases to core deposits | 68.0301% | 3,054 |
| Total domestic deposits to total assets | 91.9313% | 160 |
| Equity capital to assets | 7.9682% | 4,509 |
| Core capital (leverage) ratio | 7.4859% | 4,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5199% | 3,011 |
| Memoranda: | ||
| Average total assets | $121,233,000 | 3,840 |
| Average earning assets | $106,708,000 | 3,913 |
| Average equity | $9,894,500 | 4,223 |
| Average total loans | $73,159,000 | 3,682 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 346 |
| Cost of funding earning assets | 0.5482% | 2,622 |
| Net interest margin | 4.6323% | 248 |
| Noninterest income to average assets | 0.6280% | 2,107 |
| Noninterest expense to average assets | 3.3636% | 831 |
| Loan and lease loss provision to assets | 0.1705% | 2,251 |
| Net operating income to assets | 1.1281% | 1,809 |
| Return on assets (ROA) | 1.1281% | 1,933 |
| Pretax return on assets | 1.1281% | 2,596 |
| Return on Equity (ROE) | 12.6951% | 1,121 |
| Retained earnings to average equity (ytd only) | 6.2356% | 1,689 |
| Net charge-offs to loans | -0.0202% | 4,433 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3937% | 1,762 |
| Assets per employee ($millions) | 2.4598% | 4,894 |
| Cash dividends to net income (ytd only)* | 50.8816% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 3,109 |
| Loan loss allowance to noncurrent loans | 65.3605% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 669 |
| Noncurrent loans to loans | 1.7890% | 701 |
| Net loans and leases to total assets | 59.7009% | 2,903 |
| Net loans and leases to deposits | 65.2045% | 3,343 |
| Net loans and leases to core deposits | 68.6368% | 3,363 |
| Total domestic deposits to total assets | 91.5594% | 123 |
| Equity capital to assets | 8.3652% | 4,544 |
| Core capital (leverage) ratio | 7.6579% | 4,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8630% | 2,956 |
| Memoranda: | ||
| Average total assets | $105,572,600 | 3,923 |
| Average earning assets | $91,942,200 | 4,000 |
| Average equity | $9,381,600 | 4,265 |
| Average total loans | $69,230,200 | 3,752 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 301 |
| Cost of funding earning assets | 0.5806% | 2,736 |
| Net interest margin | 4.7821% | 211 |
| Noninterest income to average assets | 0.6494% | 1,988 |
| Noninterest expense to average assets | 3.4566% | 747 |
| Loan and lease loss provision to assets | 0.1757% | 2,224 |
| Net operating income to assets | 1.1765% | 1,721 |
| Return on assets (ROA) | 1.1765% | 1,842 |
| Pretax return on assets | 1.1765% | 2,465 |
| Return on Equity (ROE) | 13.0194% | 1,107 |
| Retained earnings to average equity (ytd only) | 4.2918% | 2,900 |
| Net charge-offs to loans | -0.0116% | 4,264 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1231% | 1,739 |
| Assets per employee ($millions) | 2.2233% | 4,940 |
| Cash dividends to net income (ytd only)* | 67.0354% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,340 |
| Loan loss allowance to noncurrent loans | 76.9458% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 959 |
| Noncurrent loans to loans | 1.3958% | 1,041 |
| Net loans and leases to total assets | 64.7143% | 2,678 |
| Net loans and leases to deposits | 70.9444% | 3,223 |
| Net loans and leases to core deposits | 74.5312% | 3,284 |
| Total domestic deposits to total assets | 91.2184% | 133 |
| Equity capital to assets | 8.5846% | 4,412 |
| Core capital (leverage) ratio | 7.6612% | 4,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5484% | 3,018 |
| Memoranda: | ||
| Average total assets | $102,447,750 | 3,959 |
| Average earning assets | $89,107,500 | 4,035 |
| Average equity | $9,257,750 | 4,297 |
| Average total loans | $68,706,750 | 3,775 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 283 |
| Cost of funding earning assets | 0.6108% | 2,913 |
| Net interest margin | 4.9763% | 216 |
| Noninterest income to average assets | 0.6791% | 1,816 |
| Noninterest expense to average assets | 3.5241% | 733 |
| Loan and lease loss provision to assets | 0.1808% | 2,217 |
| Net operating income to assets | 1.2959% | 1,368 |
| Return on assets (ROA) | 1.2959% | 1,478 |
| Pretax return on assets | 1.2959% | 2,038 |
| Return on Equity (ROE) | 14.0789% | 874 |
| Retained earnings to average equity (ytd only) | 5.2168% | 2,381 |
| Net charge-offs to loans | -0.0327% | 4,571 |
| Credit loss provision to net charge-offs | -818.1818% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7469% | 1,990 |
| Assets per employee ($millions) | 2.2866% | 4,972 |
| Cash dividends to net income (ytd only)* | 62.9457% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,272 |
| Loan loss allowance to noncurrent loans | 385.9375% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 2,839 |
| Noncurrent loans to loans | 0.2753% | 3,397 |
| Net loans and leases to total assets | 64.1977% | 2,856 |
| Net loans and leases to deposits | 70.5158% | 3,381 |
| Net loans and leases to core deposits | 74.2097% | 3,444 |
| Total domestic deposits to total assets | 91.0401% | 140 |
| Equity capital to assets | 8.8231% | 4,240 |
| Core capital (leverage) ratio | 8.1356% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,542,333 | 3,999 |
| Average earning assets | $86,450,000 | 4,071 |
| Average equity | $9,162,667 | 4,323 |
| Average total loans | $67,369,000 | 3,803 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6267% | 285 |
| Cost of funding earning assets | 0.6348% | 3,248 |
| Net interest margin | 4.9919% | 197 |
| Noninterest income to average assets | 0.6780% | 1,740 |
| Noninterest expense to average assets | 3.6326% | 779 |
| Loan and lease loss provision to assets | 0.1883% | 1,586 |
| Net operating income to assets | 1.2011% | 1,513 |
| Return on assets (ROA) | 1.2011% | 1,630 |
| Pretax return on assets | 1.2011% | 2,192 |
| Return on Equity (ROE) | 12.7513% | 923 |
| Retained earnings to average equity (ytd only) | 4.7095% | 2,410 |
| Net charge-offs to loans | -0.0121% | 4,141 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5833% | 2,146 |
| Assets per employee ($millions) | 2.0381% | 5,021 |
| Cash dividends to net income (ytd only)* | 63.0662% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,604 |
| Loan loss allowance to noncurrent loans | 278.1377% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 2,597 |
| Noncurrent loans to loans | 0.3664% | 3,178 |
| Net loans and leases to total assets | 69.6512% | 2,300 |
| Net loans and leases to deposits | 76.8985% | 2,994 |
| Net loans and leases to core deposits | 81.4614% | 3,068 |
| Total domestic deposits to total assets | 90.5755% | 180 |
| Equity capital to assets | 9.3065% | 4,387 |
| Core capital (leverage) ratio | 8.6270% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3585% | 2,986 |
| Memoranda: | ||
| Average total assets | $95,579,500 | 4,051 |
| Average earning assets | $83,175,000 | 4,123 |
| Average equity | $9,003,000 | 4,368 |
| Average total loans | $66,187,000 | 3,843 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5943% | 479 |
| Cost of funding earning assets | 0.5923% | 3,672 |
| Net interest margin | 5.0020% | 269 |
| Noninterest income to average assets | 0.5677% | 2,382 |
| Noninterest expense to average assets | 3.6574% | 799 |
| Loan and lease loss provision to assets | 0.1892% | 1,085 |
| Net operating income to assets | 1.0713% | 2,568 |
| Return on assets (ROA) | 1.0723% | 2,658 |
| Pretax return on assets | 1.0723% | 3,255 |
| Return on Equity (ROE) | 11.3616% | 1,739 |
| Retained earnings to average equity (ytd only) | -2.6733% | 4,901 |
| Net charge-offs to loans | 0.0078% | 3,398 |
| Credit loss provision to net charge-offs | 3,600.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 239.8000% | 346 |
| Efficiency ratio | 73.5785% | 1,659 |
| Assets per employee ($millions) | 2.1192% | 5,070 |
| Cash dividends to net income (ytd only)* | 123.5294% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,591 |
| Loan loss allowance to noncurrent loans | 267.7824% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 2,537 |
| Noncurrent loans to loans | 0.3679% | 3,131 |
| Net loans and leases to total assets | 67.4517% | 2,764 |
| Net loans and leases to deposits | 74.9677% | 3,264 |
| Net loans and leases to core deposits | 79.4580% | 3,345 |
| Total domestic deposits to total assets | 89.9744% | 326 |
| Equity capital to assets | 9.5327% | 4,326 |
| Core capital (leverage) ratio | 8.6766% | 4,735 |
| Tier 1 risk-based capital ratio | 11.4324% | 4,660 |
| Total risk-based capital ratio | 12.3448% | 4,715 |
| Memoranda: | ||
| Average total assets | $95,122,400 | 4,071 |
| Average earning assets | $82,727,200 | 4,141 |
| Average equity | $8,977,600 | 4,374 |
| Average total loans | $64,093,200 | 3,909 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5946% | 498 |
| Cost of funding earning assets | 0.5809% | 3,773 |
| Net interest margin | 5.0137% | 284 |
| Noninterest income to average assets | 0.5891% | 2,270 |
| Noninterest expense to average assets | 3.6944% | 750 |
| Loan and lease loss provision to assets | 0.1894% | 946 |
| Net operating income to assets | 1.0631% | 2,722 |
| Return on assets (ROA) | 1.0631% | 2,804 |
| Pretax return on assets | 1.0631% | 3,400 |
| Return on Equity (ROE) | 11.2930% | 1,899 |
| Retained earnings to average equity (ytd only) | -5.8402% | 5,081 |
| Net charge-offs to loans | 0.0021% | 3,369 |
| Credit loss provision to net charge-offs | 13,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 895.2180% | 106 |
| Efficiency ratio | 73.9155% | 1,578 |
| Assets per employee ($millions) | 2.0841% | 5,151 |
| Cash dividends to net income (ytd only)* | 151.7157% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 3,955 |
| Loan loss allowance to noncurrent loans | 295.0739% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 2,419 |
| Noncurrent loans to loans | 0.3125% | 3,405 |
| Net loans and leases to total assets | 68.6314% | 2,687 |
| Net loans and leases to deposits | 76.2694% | 3,268 |
| Net loans and leases to core deposits | 80.9075% | 3,317 |
| Total domestic deposits to total assets | 89.9856% | 288 |
| Equity capital to assets | 9.5410% | 4,424 |
| Core capital (leverage) ratio | 8.4744% | 4,959 |
| Tier 1 risk-based capital ratio | 11.2535% | 4,793 |
| Total risk-based capital ratio | 12.1115% | 4,866 |
| Memoranda: | ||
| Average total assets | $95,061,500 | 4,118 |
| Average earning assets | $82,624,750 | 4,197 |
| Average equity | $8,949,250 | 4,429 |
| Average total loans | $63,875,000 | 3,955 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 520 |
| Cost of funding earning assets | 0.5659% | 3,809 |
| Net interest margin | 4.9792% | 299 |
| Noninterest income to average assets | 0.5990% | 2,158 |
| Noninterest expense to average assets | 3.6403% | 808 |
| Loan and lease loss provision to assets | 0.1885% | 944 |
| Net operating income to assets | 1.0829% | 2,590 |
| Return on assets (ROA) | 1.0829% | 2,657 |
| Pretax return on assets | 1.0829% | 3,281 |
| Return on Equity (ROE) | 11.5535% | 1,760 |
| Retained earnings to average equity (ytd only) | -8.7824% | 5,151 |
| Net charge-offs to loans | 0.1134% | 1,287 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 16.8611% | 1,914 |
| Efficiency ratio | 73.3475% | 1,729 |
| Assets per employee ($millions) | 2.0430% | 5,202 |
| Cash dividends to net income (ytd only)* | 176.0155% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 4,371 |
| Loan loss allowance to noncurrent loans | 674.0260% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 2,742 |
| Noncurrent loans to loans | 0.1214% | 4,135 |
| Net loans and leases to total assets | 66.9249% | 2,980 |
| Net loans and leases to deposits | 73.9990% | 3,517 |
| Net loans and leases to core deposits | 78.4547% | 3,545 |
| Total domestic deposits to total assets | 90.4402% | 204 |
| Equity capital to assets | 9.4438% | 4,454 |
| Core capital (leverage) ratio | 8.3648% | 5,031 |
| Tier 1 risk-based capital ratio | 11.5099% | 4,680 |
| Total risk-based capital ratio | 12.2712% | 4,817 |
| Memoranda: | ||
| Average total assets | $95,487,000 | 4,137 |
| Average earning assets | $82,704,000 | 4,226 |
| Average equity | $8,949,670 | 4,449 |
| Average total loans | $63,511,670 | 3,983 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 541 |
| Cost of funding earning assets | 0.5753% | 3,699 |
| Net interest margin | 4.9044% | 334 |
| Noninterest income to average assets | 0.3782% | 3,334 |
| Noninterest expense to average assets | 3.6408% | 807 |
| Loan and lease loss provision to assets | 0.1870% | 879 |
| Net operating income to assets | 0.8021% | 3,613 |
| Return on assets (ROA) | 0.8021% | 3,656 |
| Pretax return on assets | 0.8021% | 4,034 |
| Return on Equity (ROE) | 8.5902% | 2,994 |
| Retained earnings to average equity (ytd only) | -3.6497% | 4,846 |
| Net charge-offs to loans | -0.0692% | 4,926 |
| Credit loss provision to net charge-offs | -409.0909% | 3,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8276% | 1,284 |
| Assets per employee ($millions) | 2.0192% | 5,269 |
| Cash dividends to net income (ytd only)* | 142.4870% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,407 |
| Loan loss allowance to noncurrent loans | 331.8471% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 2,458 |
| Noncurrent loans to loans | 0.2514% | 3,667 |
| Net loans and leases to total assets | 65.2589% | 3,137 |
| Net loans and leases to deposits | 72.1995% | 3,590 |
| Net loans and leases to core deposits | 76.4942% | 3,628 |
| Total domestic deposits to total assets | 90.3869% | 319 |
| Equity capital to assets | 9.5309% | 4,231 |
| Core capital (leverage) ratio | 8.6638% | 4,900 |
| Tier 1 risk-based capital ratio | 11.6567% | 4,651 |
| Total risk-based capital ratio | 12.4018% | 4,820 |
| Memoranda: | ||
| Average total assets | $96,242,000 | 4,164 |
| Average earning assets | $83,435,000 | 4,258 |
| Average equity | $8,987,000 | 4,468 |
| Average total loans | $63,561,000 | 4,019 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 581 |
| Cost of funding earning assets | 0.4672% | 3,570 |
| Net interest margin | 4.8349% | 366 |
| Noninterest income to average assets | 0.6918% | 1,877 |
| Noninterest expense to average assets | 3.6896% | 786 |
| Loan and lease loss provision to assets | 0.1034% | 2,126 |
| Net operating income to assets | 1.0941% | 2,627 |
| Return on assets (ROA) | 1.0858% | 2,650 |
| Pretax return on assets | 1.0858% | 3,324 |
| Return on Equity (ROE) | 11.8751% | 1,758 |
| Retained earnings to average equity (ytd only) | 1.0179% | 4,700 |
| Net charge-offs to loans | -0.0807% | 5,099 |
| Credit loss provision to net charge-offs | -192.3077% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7143% | 1,537 |
| Assets per employee ($millions) | 2.0762% | 5,307 |
| Cash dividends to net income (ytd only)* | 91.4286% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,762 |
| Loan loss allowance to noncurrent loans | 95.4825% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 1,602 |
| Noncurrent loans to loans | 0.7531% | 2,119 |
| Net loans and leases to total assets | 65.7949% | 3,159 |
| Net loans and leases to deposits | 74.5734% | 3,453 |
| Net loans and leases to core deposits | 78.9814% | 3,504 |
| Total domestic deposits to total assets | 88.2284% | 1,195 |
| Equity capital to assets | 9.1503% | 4,448 |
| Core capital (leverage) ratio | 8.6661% | 4,907 |
| Tier 1 risk-based capital ratio | 11.6685% | 4,638 |
| Total risk-based capital ratio | 12.3285% | 4,833 |
| Memoranda: | ||
| Average total assets | $96,704,200 | 4,155 |
| Average earning assets | $83,911,200 | 4,250 |
| Average equity | $8,842,000 | 4,476 |
| Average total loans | $64,431,000 | 3,995 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 573 |
| Cost of funding earning assets | 0.4521% | 3,509 |
| Net interest margin | 4.7920% | 382 |
| Noninterest income to average assets | 0.7310% | 1,748 |
| Noninterest expense to average assets | 3.6855% | 770 |
| Loan and lease loss provision to assets | 0.0967% | 2,044 |
| Net operating income to assets | 1.1083% | 2,628 |
| Return on assets (ROA) | 1.1083% | 2,638 |
| Pretax return on assets | 1.1083% | 3,367 |
| Return on Equity (ROE) | 12.1234% | 1,749 |
| Retained earnings to average equity (ytd only) | -2.3884% | 5,220 |
| Net charge-offs to loans | -0.0062% | 4,269 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5973% | 1,514 |
| Assets per employee ($millions) | 2.1193% | 5,363 |
| Cash dividends to net income (ytd only)* | 119.7006% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 5,073 |
| Loan loss allowance to noncurrent loans | 105.7534% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 1,837 |
| Noncurrent loans to loans | 0.5477% | 2,738 |
| Net loans and leases to total assets | 69.4811% | 2,729 |
| Net loans and leases to deposits | 76.6238% | 3,364 |
| Net loans and leases to core deposits | 81.7474% | 3,345 |
| Total domestic deposits to total assets | 90.6781% | 299 |
| Equity capital to assets | 8.9706% | 4,575 |
| Core capital (leverage) ratio | 8.3086% | 5,199 |
| Tier 1 risk-based capital ratio | 10.8353% | 5,112 |
| Total risk-based capital ratio | 11.3604% | 5,295 |
| Memoranda: | ||
| Average total assets | $96,484,750 | 4,202 |
| Average earning assets | $83,749,250 | 4,300 |
| Average equity | $8,820,250 | 4,523 |
| Average total loans | $64,371,500 | 4,037 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1713% | 583 |
| Cost of funding earning assets | 0.4625% | 3,267 |
| Net interest margin | 4.7088% | 426 |
| Noninterest income to average assets | 0.7434% | 1,674 |
| Noninterest expense to average assets | 3.6714% | 794 |
| Loan and lease loss provision to assets | 0.0826% | 2,261 |
| Net operating income to assets | 1.0469% | 2,823 |
| Return on assets (ROA) | 1.0469% | 2,817 |
| Pretax return on assets | 1.0469% | 3,523 |
| Return on Equity (ROE) | 11.3822% | 1,958 |
| Retained earnings to average equity (ytd only) | -0.0674% | 4,966 |
| Net charge-offs to loans | -0.0346% | 4,792 |
| Credit loss provision to net charge-offs | -363.6364% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4731% | 1,369 |
| Assets per employee ($millions) | 2.1689% | 5,422 |
| Cash dividends to net income (ytd only)* | 100.5917% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5580% | 5,181 |
| Loan loss allowance to noncurrent loans | 205.6497% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 2,452 |
| Noncurrent loans to loans | 0.2713% | 3,741 |
| Net loans and leases to total assets | 66.4638% | 3,073 |
| Net loans and leases to deposits | 73.1259% | 3,612 |
| Net loans and leases to core deposits | 77.8742% | 3,591 |
| Total domestic deposits to total assets | 90.8895% | 278 |
| Equity capital to assets | 9.0142% | 4,548 |
| Core capital (leverage) ratio | 8.5303% | 5,085 |
| Tier 1 risk-based capital ratio | 11.2962% | 4,901 |
| Total risk-based capital ratio | 11.8031% | 5,151 |
| Memoranda: | ||
| Average total assets | $96,857,330 | 4,229 |
| Average earning assets | $83,460,330 | 4,337 |
| Average equity | $8,908,670 | 4,549 |
| Average total loans | $63,612,670 | 4,077 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1021% | 583 |
| Cost of funding earning assets | 0.5155% | 2,671 |
| Net interest margin | 4.5866% | 517 |
| Noninterest income to average assets | 0.6550% | 2,017 |
| Noninterest expense to average assets | 3.6068% | 864 |
| Loan and lease loss provision to assets | 0.0622% | 2,535 |
| Net operating income to assets | 0.9328% | 3,146 |
| Return on assets (ROA) | 0.9328% | 3,166 |
| Pretax return on assets | 0.9328% | 3,747 |
| Return on Equity (ROE) | 10.0402% | 2,404 |
| Retained earnings to average equity (ytd only) | 5.5779% | 2,914 |
| Net charge-offs to loans | -0.0637% | 5,074 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3784% | 1,316 |
| Assets per employee ($millions) | 2.1512% | 5,483 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5389% | 5,280 |
| Loan loss allowance to noncurrent loans | 379.7753% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 2,838 |
| Noncurrent loans to loans | 0.1419% | 4,330 |
| Net loans and leases to total assets | 64.4470% | 3,247 |
| Net loans and leases to deposits | 71.0344% | 3,695 |
| Net loans and leases to core deposits | 75.6873% | 3,696 |
| Total domestic deposits to total assets | 90.7264% | 407 |
| Equity capital to assets | 9.2199% | 4,340 |
| Core capital (leverage) ratio | 8.6195% | 5,045 |
| Tier 1 risk-based capital ratio | 12.1300% | 4,474 |
| Total risk-based capital ratio | 12.6282% | 4,834 |
| Memoranda: | ||
| Average total assets | $96,485,000 | 4,281 |
| Average earning assets | $83,024,500 | 4,391 |
| Average equity | $8,964,000 | 4,588 |
| Average total loans | $62,802,000 | 4,135 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 953 |
| Cost of funding earning assets | 0.5009% | 2,328 |
| Net interest margin | 4.3134% | 939 |
| Noninterest income to average assets | 0.7109% | 1,915 |
| Noninterest expense to average assets | 3.6932% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7337% | 3,457 |
| Return on assets (ROA) | 0.7368% | 3,483 |
| Pretax return on assets | 0.7368% | 4,423 |
| Return on Equity (ROE) | 8.0207% | 2,783 |
| Retained earnings to average equity (ytd only) | 0.0225% | 5,000 |
| Net charge-offs to loans | 0.2669% | 974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.2970% | 3,484 |
| Efficiency ratio | 83.4268% | 817 |
| Assets per employee ($millions) | 2.0906% | 5,557 |
| Cash dividends to net income (ytd only)* | 99.7191% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4978% | 5,389 |
| Loan loss allowance to noncurrent loans | 96.0123% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 2,064 |
| Noncurrent loans to loans | 0.5184% | 2,961 |
| Net loans and leases to total assets | 65.0601% | 3,218 |
| Net loans and leases to deposits | 71.8195% | 3,719 |
| Net loans and leases to core deposits | 76.9251% | 3,673 |
| Total domestic deposits to total assets | 90.5883% | 366 |
| Equity capital to assets | 9.3617% | 4,369 |
| Core capital (leverage) ratio | 8.6712% | 4,980 |
| Tier 1 risk-based capital ratio | 11.7075% | 4,714 |
| Total risk-based capital ratio | 12.1569% | 5,085 |
| Memoranda: | ||
| Average total assets | $96,636,000 | 4,298 |
| Average earning assets | $83,252,000 | 4,414 |
| Average equity | $8,877,000 | 4,632 |
| Average total loans | $61,813,600 | 4,158 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 1,028 |
| Cost of funding earning assets | 0.5000% | 2,262 |
| Net interest margin | 4.2507% | 1,044 |
| Noninterest income to average assets | 0.7014% | 1,994 |
| Noninterest expense to average assets | 3.7207% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6477% | 4,199 |
| Return on assets (ROA) | 0.6504% | 4,244 |
| Pretax return on assets | 0.6504% | 4,723 |
| Return on Equity (ROE) | 7.1146% | 3,591 |
| Retained earnings to average equity (ytd only) | -0.5728% | 5,302 |
| Net charge-offs to loans | 0.3401% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2.9936% | 3,393 |
| Efficiency ratio | 85.1735% | 677 |
| Assets per employee ($millions) | 2.0463% | 5,623 |
| Cash dividends to net income (ytd only)* | 108.0500% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5296% | 5,430 |
| Loan loss allowance to noncurrent loans | 165.4639% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 2,645 |
| Noncurrent loans to loans | 0.3201% | 3,803 |
| Net loans and leases to total assets | 62.6823% | 3,582 |
| Net loans and leases to deposits | 69.1607% | 4,027 |
| Net loans and leases to core deposits | 73.8347% | 3,988 |
| Total domestic deposits to total assets | 90.6329% | 286 |
| Equity capital to assets | 9.2507% | 4,685 |
| Core capital (leverage) ratio | 8.4344% | 5,290 |
| Tier 1 risk-based capital ratio | 11.2417% | 5,110 |
| Total risk-based capital ratio | 11.6969% | 5,407 |
| Memoranda: | ||
| Average total assets | $96,753,000 | 4,332 |
| Average earning assets | $83,467,250 | 4,454 |
| Average equity | $8,845,500 | 4,688 |
| Average total loans | $61,547,000 | 4,205 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 1,022 |
| Cost of funding earning assets | 0.4960% | 2,195 |
| Net interest margin | 4.2211% | 1,037 |
| Noninterest income to average assets | 0.7448% | 1,790 |
| Noninterest expense to average assets | 3.7960% | 674 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6003% | 4,303 |
| Return on assets (ROA) | 0.6045% | 4,328 |
| Pretax return on assets | 0.6045% | 4,794 |
| Return on Equity (ROE) | 6.6377% | 3,760 |
| Retained earnings to average equity (ytd only) | -4.9160% | 5,533 |
| Net charge-offs to loans | 0.1358% | 1,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.9286% | 2,657 |
| Efficiency ratio | 86.3444% | 668 |
| Assets per employee ($millions) | 2.0471% | 5,669 |
| Cash dividends to net income (ytd only)* | 174.0614% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 5,167 |
| Loan loss allowance to noncurrent loans | 95.8242% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 1,665 |
| Noncurrent loans to loans | 0.7491% | 2,524 |
| Net loans and leases to total assets | 62.6751% | 3,552 |
| Net loans and leases to deposits | 68.9982% | 3,989 |
| Net loans and leases to core deposits | 73.7618% | 3,960 |
| Total domestic deposits to total assets | 90.8359% | 259 |
| Equity capital to assets | 9.0706% | 4,831 |
| Core capital (leverage) ratio | 8.2186% | 5,415 |
| Tier 1 risk-based capital ratio | 11.1335% | 5,186 |
| Total risk-based capital ratio | 11.7604% | 5,383 |
| Memoranda: | ||
| Average total assets | $96,945,000 | 4,360 |
| Average earning assets | $83,864,000 | 4,469 |
| Average equity | $8,828,330 | 4,713 |
| Average total loans | $61,860,330 | 4,206 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 1,014 |
| Cost of funding earning assets | 0.4926% | 2,150 |
| Net interest margin | 4.1636% | 1,062 |
| Noninterest income to average assets | 0.6988% | 1,977 |
| Noninterest expense to average assets | 3.6953% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6166% | 4,082 |
| Return on assets (ROA) | 0.6166% | 4,138 |
| Pretax return on assets | 0.6166% | 4,692 |
| Return on Equity (ROE) | 6.7575% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.7575% | 1,948 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7007% | 821 |
| Assets per employee ($millions) | 2.0485% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7595% | 5,175 |
| Loan loss allowance to noncurrent loans | 92.9961% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.1062% | 1,609 |
| Noncurrent loans to loans | 0.8167% | 2,409 |
| Net loans and leases to total assets | 64.8698% | 3,134 |
| Net loans and leases to deposits | 71.5992% | 3,642 |
| Net loans and leases to core deposits | 76.5383% | 3,605 |
| Total domestic deposits to total assets | 90.6013% | 428 |
| Equity capital to assets | 9.3343% | 4,462 |
| Core capital (leverage) ratio | 8.5422% | 5,197 |
| Tier 1 risk-based capital ratio | 11.3602% | 5,113 |
| Total risk-based capital ratio | 12.0303% | 5,342 |
| Memoranda: | ||
| Average total assets | $97,311,500 | 4,401 |
| Average earning assets | $84,446,000 | 4,503 |
| Average equity | $8,879,000 | 4,738 |
| Average total loans | $62,422,000 | 4,229 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 320 |
| Cost of funding earning assets | 0.5773% | 1,503 |
| Net interest margin | 4.7804% | 364 |
| Noninterest income to average assets | 1.3076% | 667 |
| Noninterest expense to average assets | 4.7698% | 298 |
| Loan and lease loss provision to assets | 0.2367% | 908 |
| Net operating income to assets | 0.3378% | 5,117 |
| Return on assets (ROA) | 0.3378% | 5,194 |
| Pretax return on assets | 0.3378% | 5,316 |
| Return on Equity (ROE) | 3.6211% | 4,970 |
| Retained earnings to average equity (ytd only) | -15.0331% | 5,832 |
| Net charge-offs to loans | -0.0453% | 5,367 |
| Credit loss provision to net charge-offs | -840.9091% | 5,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2507% | 601 |
| Assets per employee ($millions) | 2.0924% | 5,776 |
| Cash dividends to net income (ytd only)* | 515.1515% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 5,178 |
| Loan loss allowance to noncurrent loans | 423.0088% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 2,686 |
| Noncurrent loans to loans | 0.1825% | 4,506 |
| Net loans and leases to total assets | 62.4664% | 3,551 |
| Net loans and leases to deposits | 68.6261% | 4,039 |
| Net loans and leases to core deposits | 72.9917% | 4,012 |
| Total domestic deposits to total assets | 91.0244% | 278 |
| Equity capital to assets | 8.9187% | 4,891 |
| Core capital (leverage) ratio | 8.2378% | 5,485 |
| Tier 1 risk-based capital ratio | 11.5227% | 5,044 |
| Total risk-based capital ratio | 12.2101% | 5,257 |
| Memoranda: | ||
| Average total assets | $78,158,800 | 4,765 |
| Average earning assets | $65,998,600 | 4,893 |
| Average equity | $7,290,600 | 5,040 |
| Average total loans | $48,537,800 | 4,617 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 268 |
| Cost of funding earning assets | 0.5967% | 1,355 |
| Net interest margin | 4.8635% | 325 |
| Noninterest income to average assets | 1.3057% | 679 |
| Noninterest expense to average assets | 5.1791% | 235 |
| Loan and lease loss provision to assets | 0.0274% | 3,698 |
| Net operating income to assets | 0.1568% | 5,541 |
| Return on assets (ROA) | 0.1568% | 5,599 |
| Pretax return on assets | 0.1568% | 5,616 |
| Return on Equity (ROE) | 1.6568% | 5,534 |
| Retained earnings to average equity (ytd only) | -9.1320% | 5,839 |
| Net charge-offs to loans | -0.0295% | 5,160 |
| Credit loss provision to net charge-offs | -150.0000% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5658% | 298 |
| Assets per employee ($millions) | 2.4855% | 5,729 |
| Cash dividends to net income (ytd only)* | 651.1861% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4804% | 5,744 |
| Loan loss allowance to noncurrent loans | 160.8696% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 2,650 |
| Noncurrent loans to loans | 0.2986% | 4,182 |
| Net loans and leases to total assets | 61.6741% | 3,669 |
| Net loans and leases to deposits | 68.4586% | 4,109 |
| Net loans and leases to core deposits | 72.5439% | 4,120 |
| Total domestic deposits to total assets | 90.0896% | 453 |
| Equity capital to assets | 9.8390% | 4,317 |
| Core capital (leverage) ratio | 8.9898% | 4,838 |
| Tier 1 risk-based capital ratio | 12.7005% | 4,341 |
| Total risk-based capital ratio | 13.1282% | 4,764 |
| Memoranda: | ||
| Average total assets | $73,112,500 | 4,906 |
| Average earning assets | $60,997,000 | 5,040 |
| Average equity | $6,920,500 | 5,160 |
| Average total loans | $45,194,750 | 4,744 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5834% | 225 |
| Cost of funding earning assets | 0.5929% | 1,374 |
| Net interest margin | 4.9905% | 258 |
| Noninterest income to average assets | 1.0133% | 1,086 |
| Noninterest expense to average assets | 5.3774% | 224 |
| Loan and lease loss provision to assets | 0.0124% | 3,852 |
| Net operating income to assets | -0.2425% | 5,863 |
| Return on assets (ROA) | -0.2425% | 5,877 |
| Pretax return on assets | -0.2425% | 5,866 |
| Return on Equity (ROE) | -2.6145% | 5,883 |
| Retained earnings to average equity (ytd only) | -21.0503% | 5,974 |
| Net charge-offs to loans | -0.0201% | 4,953 |
| Credit loss provision to net charge-offs | -100.0000% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4686% | 185 |
| Assets per employee ($millions) | 2.1169% | 5,914 |
| Cash dividends to net income (ytd only)* | -705.1282% | 6,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4704% | 5,830 |
| Loan loss allowance to noncurrent loans | 59.8712% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 3,330 |
| Noncurrent loans to loans | 0.7856% | 2,786 |
| Net loans and leases to total assets | 59.3364% | 3,973 |
| Net loans and leases to deposits | 65.7654% | 4,365 |
| Net loans and leases to core deposits | 69.6726% | 4,347 |
| Total domestic deposits to total assets | 90.2243% | 402 |
| Equity capital to assets | 9.7003% | 4,556 |
| Core capital (leverage) ratio | 8.5302% | 5,338 |
| Tier 1 risk-based capital ratio | 13.2044% | 4,072 |
| Total risk-based capital ratio | 13.6312% | 4,519 |
| Memoranda: | ||
| Average total assets | $64,343,000 | 5,137 |
| Average earning assets | $53,301,000 | 5,285 |
| Average equity | $5,966,670 | 5,389 |
| Average total loans | $39,722,000 | 4,980 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9918% | 589 |
| Cost of funding earning assets | 0.4221% | 2,843 |
| Net interest margin | 4.5697% | 531 |
| Noninterest income to average assets | 0.7013% | 2,037 |
| Noninterest expense to average assets | 4.6869% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2822% | 5,907 |
| Return on assets (ROA) | -0.2822% | 5,914 |
| Pretax return on assets | -0.2822% | 5,909 |
| Return on Equity (ROE) | -3.2004% | 5,945 |
| Retained earnings to average equity (ytd only) | -9.5042% | 5,792 |
| Net charge-offs to loans | -0.0134% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4078% | 191 |
| Assets per employee ($millions) | 2.0075% | 5,994 |
| Cash dividends to net income (ytd only)* | -196.9697% | 6,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 4,928 |
| Loan loss allowance to noncurrent loans | 160.9467% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 3,488 |
| Noncurrent loans to loans | 0.5814% | 3,444 |
| Net loans and leases to total assets | 62.3655% | 3,475 |
| Net loans and leases to deposits | 68.5211% | 4,003 |
| Net loans and leases to core deposits | 75.1579% | 3,768 |
| Total domestic deposits to total assets | 91.0164% | 268 |
| Equity capital to assets | 8.8861% | 5,274 |
| Core capital (leverage) ratio | 7.4063% | 5,944 |
| Tier 1 risk-based capital ratio | 10.4057% | 5,790 |
| Total risk-based capital ratio | 11.2456% | 5,867 |
| Memoranda: | ||
| Average total assets | $46,768,500 | 5,580 |
| Average earning assets | $37,902,000 | 5,684 |
| Average equity | $4,124,500 | 5,786 |
| Average total loans | $29,926,000 | 5,339 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 402 |
| Cost of funding earning assets | 0.4573% | 2,555 |
| Net interest margin | 4.7820% | 388 |
| Noninterest income to average assets | 0.6721% | 2,336 |
| Noninterest expense to average assets | 4.3259% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2829% | 5,406 |
| Return on assets (ROA) | 0.3573% | 5,275 |
| Pretax return on assets | 0.3573% | 5,414 |
| Return on Equity (ROE) | 3.9939% | 4,948 |
| Retained earnings to average equity (ytd only) | -1.5928% | 5,723 |
| Net charge-offs to loans | 0.0619% | 2,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.6500% | 3,193 |
| Efficiency ratio | 93.8625% | 492 |
| Assets per employee ($millions) | 1.8946% | 6,067 |
| Cash dividends to net income (ytd only)* | 139.8810% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 5,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,967 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 64.4223% | 3,209 |
| Net loans and leases to deposits | 70.6761% | 3,841 |
| Net loans and leases to core deposits | 77.3068% | 3,625 |
| Total domestic deposits to total assets | 91.1515% | 248 |
| Equity capital to assets | 8.7535% | 5,346 |
| Core capital (leverage) ratio | 7.6979% | 5,940 |
| Tier 1 risk-based capital ratio | 10.2204% | 5,886 |
| Total risk-based capital ratio | 11.0191% | 5,973 |
| Memoranda: | ||
| Average total assets | $47,019,400 | 5,610 |
| Average earning assets | $38,707,800 | 5,710 |
| Average equity | $4,206,400 | 5,821 |
| Average total loans | $32,330,000 | 5,284 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 409 |
| Cost of funding earning assets | 0.4552% | 2,635 |
| Net interest margin | 4.7913% | 384 |
| Noninterest income to average assets | 0.6420% | 2,520 |
| Noninterest expense to average assets | 4.1760% | 545 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4432% | 4,994 |
| Return on assets (ROA) | 0.5426% | 4,716 |
| Pretax return on assets | 0.5426% | 5,119 |
| Return on Equity (ROE) | 6.0325% | 4,133 |
| Retained earnings to average equity (ytd only) | -1.3898% | 5,799 |
| Net charge-offs to loans | 0.0896% | 2,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.0914% | 2,955 |
| Efficiency ratio | 90.4059% | 674 |
| Assets per employee ($millions) | 1.9504% | 6,143 |
| Cash dividends to net income (ytd only)* | 123.0386% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 5,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 5,123 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.0156% | 2,849 |
| Net loans and leases to deposits | 74.5697% | 3,471 |
| Net loans and leases to core deposits | 81.7523% | 3,277 |
| Total domestic deposits to total assets | 89.8697% | 632 |
| Equity capital to assets | 8.9554% | 5,349 |
| Core capital (leverage) ratio | 7.6052% | 6,031 |
| Tier 1 risk-based capital ratio | 10.1065% | 6,007 |
| Total risk-based capital ratio | 10.8853% | 6,092 |
| Memoranda: | ||
| Average total assets | $46,933,250 | 5,682 |
| Average earning assets | $38,958,250 | 5,778 |
| Average equity | $4,221,500 | 5,895 |
| Average total loans | $32,716,500 | 5,333 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 398 |
| Cost of funding earning assets | 0.4537% | 2,680 |
| Net interest margin | 4.7922% | 372 |
| Noninterest income to average assets | 0.6131% | 2,663 |
| Noninterest expense to average assets | 4.1767% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4385% | 5,011 |
| Return on assets (ROA) | 0.4385% | 5,107 |
| Pretax return on assets | 0.4385% | 5,382 |
| Return on Equity (ROE) | 4.8684% | 4,677 |
| Retained earnings to average equity (ytd only) | -1.7489% | 5,802 |
| Net charge-offs to loans | -0.0121% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4982% | 716 |
| Assets per employee ($millions) | 2.0477% | 6,207 |
| Cash dividends to net income (ytd only)* | 135.9223% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 5,316 |
| Loan loss allowance to noncurrent loans | 1,010.3448% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 4,982 |
| Noncurrent loans to loans | 0.0886% | 5,388 |
| Net loans and leases to total assets | 68.8734% | 2,505 |
| Net loans and leases to deposits | 76.5661% | 3,200 |
| Net loans and leases to core deposits | 83.8668% | 2,992 |
| Total domestic deposits to total assets | 89.9529% | 683 |
| Equity capital to assets | 8.8815% | 5,360 |
| Core capital (leverage) ratio | 7.6222% | 6,062 |
| Tier 1 risk-based capital ratio | 9.9138% | 6,115 |
| Total risk-based capital ratio | 10.7442% | 6,183 |
| Memoranda: | ||
| Average total assets | $46,974,330 | 5,746 |
| Average earning assets | $39,230,670 | 5,836 |
| Average equity | $4,231,330 | 5,952 |
| Average total loans | $33,075,670 | 5,366 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 337 |
| Cost of funding earning assets | 0.4695% | 2,570 |
| Net interest margin | 4.8580% | 313 |
| Noninterest income to average assets | 0.5116% | 3,216 |
| Noninterest expense to average assets | 4.1950% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3752% | 5,163 |
| Return on assets (ROA) | 0.3752% | 5,284 |
| Pretax return on assets | 0.3752% | 5,481 |
| Return on Equity (ROE) | 4.1358% | 4,922 |
| Retained earnings to average equity (ytd only) | -3.8538% | 5,850 |
| Net charge-offs to loans | 0.0120% | 2,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 913 |
| Efficiency ratio | 91.7910% | 729 |
| Assets per employee ($millions) | 2.0296% | 6,272 |
| Cash dividends to net income (ytd only)* | 193.1818% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 5,478 |
| Loan loss allowance to noncurrent loans | 1,160.0000% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 4,762 |
| Noncurrent loans to loans | 0.0764% | 5,467 |
| Net loans and leases to total assets | 69.4865% | 2,205 |
| Net loans and leases to deposits | 77.4726% | 2,881 |
| Net loans and leases to core deposits | 84.9381% | 2,664 |
| Total domestic deposits to total assets | 89.6917% | 906 |
| Equity capital to assets | 9.1258% | 5,163 |
| Core capital (leverage) ratio | 7.4773% | 6,147 |
| Tier 1 risk-based capital ratio | 9.9132% | 6,189 |
| Total risk-based capital ratio | 10.7360% | 6,252 |
| Memoranda: | ||
| Average total assets | $46,912,500 | 5,793 |
| Average earning assets | $39,193,000 | 5,890 |
| Average equity | $4,255,500 | 6,002 |
| Average total loans | $33,248,000 | 5,395 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4466% | 347 |
| Cost of funding earning assets | 0.5385% | 2,303 |
| Net interest margin | 4.9081% | 349 |
| Noninterest income to average assets | 1.4751% | 564 |
| Noninterest expense to average assets | 4.4189% | 497 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2495% | 1,432 |
| Return on assets (ROA) | 1.2604% | 1,456 |
| Pretax return on assets | 1.2387% | 2,491 |
| Return on Equity (ROE) | 13.6919% | 993 |
| Retained earnings to average equity (ytd only) | 2.2388% | 4,652 |
| Net charge-offs to loans | 0.0578% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 29.7895% | 1,341 |
| Efficiency ratio | 78.2559% | 2,173 |
| Assets per employee ($millions) | 2.0497% | 6,358 |
| Cash dividends to net income (ytd only)* | 83.6489% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 5,597 |
| Loan loss allowance to noncurrent loans | 1,385.7143% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 4,869 |
| Noncurrent loans to loans | 0.0622% | 5,630 |
| Net loans and leases to total assets | 71.0122% | 2,074 |
| Net loans and leases to deposits | 80.0220% | 2,710 |
| Net loans and leases to core deposits | 87.7214% | 2,530 |
| Total domestic deposits to total assets | 88.7409% | 1,395 |
| Equity capital to assets | 9.0171% | 5,267 |
| Core capital (leverage) ratio | 7.7627% | 6,113 |
| Tier 1 risk-based capital ratio | 9.7402% | 6,313 |
| Total risk-based capital ratio | 10.5418% | 6,358 |
| Memoranda: | ||
| Average total assets | $46,097,200 | 5,881 |
| Average earning assets | $39,180,200 | 5,947 |
| Average equity | $4,243,400 | 6,040 |
| Average total loans | $32,866,000 | 5,455 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4614% | 337 |
| Cost of funding earning assets | 0.5496% | 2,297 |
| Net interest margin | 4.9119% | 342 |
| Noninterest income to average assets | 1.6813% | 463 |
| Noninterest expense to average assets | 4.3895% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5068% | 928 |
| Return on assets (ROA) | 1.5184% | 941 |
| Pretax return on assets | 1.4893% | 1,677 |
| Return on Equity (ROE) | 16.4088% | 629 |
| Retained earnings to average equity (ytd only) | 2.3890% | 4,861 |
| Net charge-offs to loans | -0.0368% | 5,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8141% | 2,689 |
| Assets per employee ($millions) | 2.0281% | 6,440 |
| Cash dividends to net income (ytd only)* | 85.4407% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 5,267 |
| Loan loss allowance to noncurrent loans | 449.2958% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 4,551 |
| Noncurrent loans to loans | 0.2198% | 5,245 |
| Net loans and leases to total assets | 71.6818% | 1,912 |
| Net loans and leases to deposits | 80.3472% | 2,640 |
| Net loans and leases to core deposits | 88.4926% | 2,374 |
| Total domestic deposits to total assets | 89.2151% | 1,121 |
| Equity capital to assets | 9.4155% | 4,901 |
| Core capital (leverage) ratio | 7.8894% | 6,138 |
| Tier 1 risk-based capital ratio | 9.8795% | 6,370 |
| Total risk-based capital ratio | 10.7756% | 6,406 |
| Memoranda: | ||
| Average total assets | $45,835,500 | 5,954 |
| Average earning assets | $39,060,750 | 6,019 |
| Average equity | $4,241,500 | 6,105 |
| Average total loans | $32,640,250 | 5,510 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 330 |
| Cost of funding earning assets | 0.5615% | 2,246 |
| Net interest margin | 4.9007% | 345 |
| Noninterest income to average assets | 2.1972% | 299 |
| Noninterest expense to average assets | 4.3165% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0761% | 284 |
| Return on assets (ROA) | 2.0934% | 290 |
| Pretax return on assets | 2.0501% | 487 |
| Return on Equity (ROE) | 22.7497% | 174 |
| Retained earnings to average equity (ytd only) | 13.8190% | 275 |
| Net charge-offs to loans | -0.0427% | 5,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9837% | 4,015 |
| Assets per employee ($millions) | 1.9743% | 6,515 |
| Cash dividends to net income (ytd only)* | 39.2562% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 5,521 |
| Loan loss allowance to noncurrent loans | 7,925.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 5,104 |
| Noncurrent loans to loans | 0.0121% | 6,049 |
| Net loans and leases to total assets | 72.0005% | 1,745 |
| Net loans and leases to deposits | 80.8437% | 2,407 |
| Net loans and leases to core deposits | 88.8786% | 2,224 |
| Total domestic deposits to total assets | 89.0614% | 1,319 |
| Equity capital to assets | 9.6965% | 4,496 |
| Core capital (leverage) ratio | 8.2867% | 5,860 |
| Tier 1 risk-based capital ratio | 10.2600% | 6,318 |
| Total risk-based capital ratio | 11.1313% | 6,400 |
| Memoranda: | ||
| Average total assets | $46,241,330 | 5,999 |
| Average earning assets | $39,178,330 | 6,072 |
| Average equity | $4,255,000 | 6,150 |
| Average total loans | $32,753,000 | 5,540 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4496% | 315 |
| Cost of funding earning assets | 0.5736% | 2,215 |
| Net interest margin | 4.8759% | 333 |
| Noninterest income to average assets | 3.5235% | 159 |
| Noninterest expense to average assets | 4.2865% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 3.3178% | 84 |
| Return on assets (ROA) | 3.3521% | 85 |
| Pretax return on assets | 3.3521% | 112 |
| Return on Equity (ROE) | 37.4073% | 38 |
| Retained earnings to average equity (ytd only) | 31.6671% | 33 |
| Net charge-offs to loans | -0.0858% | 6,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3698% | 5,807 |
| Assets per employee ($millions) | 2.0252% | 6,571 |
| Cash dividends to net income (ytd only)* | 15.3453% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 5,658 |
| Loan loss allowance to noncurrent loans | 2,641.6667% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 5,170 |
| Noncurrent loans to loans | 0.0364% | 6,040 |
| Net loans and leases to total assets | 70.1088% | 1,868 |
| Net loans and leases to deposits | 80.3899% | 2,241 |
| Net loans and leases to core deposits | 88.3215% | 2,059 |
| Total domestic deposits to total assets | 87.2110% | 2,697 |
| Equity capital to assets | 9.4184% | 4,601 |
| Core capital (leverage) ratio | 8.3140% | 5,832 |
| Tier 1 risk-based capital ratio | 10.2783% | 6,399 |
| Total risk-based capital ratio | 11.1423% | 6,481 |
| Memoranda: | ||
| Average total assets | $46,658,000 | 6,054 |
| Average earning assets | $39,049,000 | 6,129 |
| Average equity | $4,181,000 | 6,206 |
| Average total loans | $32,624,000 | 5,603 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8119% | 225 |
| Cost of funding earning assets | 0.6392% | 2,301 |
| Net interest margin | 5.1727% | 224 |
| Noninterest income to average assets | 0.5789% | 3,216 |
| Noninterest expense to average assets | 4.1477% | 735 |
| Loan and lease loss provision to assets | 0.1084% | 2,988 |
| Net operating income to assets | 0.4762% | 4,833 |
| Return on assets (ROA) | 0.6071% | 4,351 |
| Pretax return on assets | 0.6136% | 4,831 |
| Return on Equity (ROE) | 6.8140% | 3,667 |
| Retained earnings to average equity (ytd only) | 4.3804% | 3,059 |
| Net charge-offs to loans | 0.0500% | 4,521 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 18.1333% | 1,672 |
| Efficiency ratio | 87.5515% | 1,259 |
| Assets per employee ($millions) | 2.0320% | 6,630 |
| Cash dividends to net income (ytd only)* | 35.7143% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 5,723 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 5,355 |
| Noncurrent loans to loans | 0.0062% | 6,284 |
| Net loans and leases to total assets | 68.3934% | 2,280 |
| Net loans and leases to deposits | 77.5925% | 2,780 |
| Net loans and leases to core deposits | 85.1129% | 2,551 |
| Total domestic deposits to total assets | 88.1443% | 2,093 |
| Equity capital to assets | 8.5050% | 5,577 |
| Core capital (leverage) ratio | 7.7130% | 6,298 |
| Tier 1 risk-based capital ratio | 9.2505% | 6,640 |
| Total risk-based capital ratio | 10.0842% | 6,665 |
| Memoranda: | ||
| Average total assets | $46,121,400 | 6,116 |
| Average earning assets | $37,079,400 | 6,253 |
| Average equity | $4,109,200 | 6,299 |
| Average total loans | $29,978,200 | 5,768 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8698% | 218 |
| Cost of funding earning assets | 0.6558% | 2,311 |
| Net interest margin | 5.2139% | 213 |
| Noninterest income to average assets | 0.5946% | 3,183 |
| Noninterest expense to average assets | 3.9882% | 872 |
| Loan and lease loss provision to assets | 0.1450% | 2,467 |
| Net operating income to assets | 0.6051% | 4,324 |
| Return on assets (ROA) | 0.7802% | 3,583 |
| Pretax return on assets | 0.7889% | 4,340 |
| Return on Equity (ROE) | 8.6575% | 2,804 |
| Retained earnings to average equity (ytd only) | 6.0827% | 2,356 |
| Net charge-offs to loans | 0.0453% | 4,259 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 26.1058% | 1,361 |
| Efficiency ratio | 84.0465% | 1,591 |
| Assets per employee ($millions) | 1.9439% | 6,718 |
| Cash dividends to net income (ytd only)* | 29.7385% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 5,680 |
| Loan loss allowance to noncurrent loans | 31,500.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 5,331 |
| Noncurrent loans to loans | 0.0032% | 6,386 |
| Net loans and leases to total assets | 69.2843% | 2,087 |
| Net loans and leases to deposits | 77.9237% | 2,675 |
| Net loans and leases to core deposits | 85.1718% | 2,516 |
| Total domestic deposits to total assets | 88.9130% | 1,607 |
| Equity capital to assets | 9.0673% | 5,108 |
| Core capital (leverage) ratio | 7.7221% | 6,365 |
| Tier 1 risk-based capital ratio | 9.6265% | 6,668 |
| Total risk-based capital ratio | 10.5057% | 6,697 |
| Memoranda: | ||
| Average total assets | $45,967,500 | 6,189 |
| Average earning assets | $36,593,250 | 6,338 |
| Average equity | $4,142,750 | 6,367 |
| Average total loans | $29,404,000 | 5,847 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8952% | 211 |
| Cost of funding earning assets | 0.6600% | 2,404 |
| Net interest margin | 5.2352% | 200 |
| Noninterest income to average assets | 0.5778% | 3,335 |
| Noninterest expense to average assets | 3.9063% | 974 |
| Loan and lease loss provision to assets | 0.0862% | 3,356 |
| Net operating income to assets | 0.6447% | 4,082 |
| Return on assets (ROA) | 0.8666% | 3,115 |
| Pretax return on assets | 0.8796% | 3,985 |
| Return on Equity (ROE) | 9.6349% | 2,352 |
| Retained earnings to average equity (ytd only) | 7.2382% | 1,775 |
| Net charge-offs to loans | 0.0695% | 3,716 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,622 |
| Efficiency ratio | 84.0445% | 1,631 |
| Assets per employee ($millions) | 2.0165% | 6,744 |
| Cash dividends to net income (ytd only)* | 24.8756% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 5,980 |
| Loan loss allowance to noncurrent loans | 2,035.7143% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 5,354 |
| Noncurrent loans to loans | 0.0468% | 6,248 |
| Net loans and leases to total assets | 63.8479% | 2,939 |
| Net loans and leases to deposits | 75.3582% | 2,964 |
| Net loans and leases to core deposits | 81.3092% | 2,884 |
| Total domestic deposits to total assets | 84.7258% | 4,026 |
| Equity capital to assets | 8.6742% | 5,583 |
| Core capital (leverage) ratio | 7.5258% | 6,444 |
| Tier 1 risk-based capital ratio | 9.5592% | 6,712 |
| Total risk-based capital ratio | 10.3579% | 6,752 |
| Memoranda: | ||
| Average total assets | $46,386,670 | 6,222 |
| Average earning assets | $36,063,330 | 6,397 |
| Average equity | $4,172,330 | 6,412 |
| Average total loans | $28,774,670 | 5,901 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9699% | 180 |
| Cost of funding earning assets | 0.6832% | 2,361 |
| Net interest margin | 5.2867% | 173 |
| Noninterest income to average assets | 0.6639% | 2,796 |
| Noninterest expense to average assets | 3.7853% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9231% | 2,554 |
| Return on assets (ROA) | 1.3710% | 1,190 |
| Pretax return on assets | 1.4055% | 1,831 |
| Return on Equity (ROE) | 14.9753% | 776 |
| Retained earnings to average equity (ytd only) | 14.9753% | 356 |
| Net charge-offs to loans | -0.0425% | 6,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9636% | 2,336 |
| Assets per employee ($millions) | 2.0072% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,076 |
| Loan loss allowance to noncurrent loans | 2,780.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 5,484 |
| Noncurrent loans to loans | 0.0349% | 6,387 |
| Net loans and leases to total assets | 61.4448% | 3,182 |
| Net loans and leases to deposits | 73.0612% | 3,039 |
| Net loans and leases to core deposits | 78.8909% | 2,947 |
| Total domestic deposits to total assets | 84.1005% | 4,429 |
| Equity capital to assets | 9.2646% | 5,183 |
| Core capital (leverage) ratio | 7.5120% | 6,464 |
| Tier 1 risk-based capital ratio | 9.9150% | 6,706 |
| Total risk-based capital ratio | 10.7212% | 6,757 |
| Memoranda: | ||
| Average total assets | $46,390,500 | 6,282 |
| Average earning assets | $35,712,500 | 6,475 |
| Average equity | $4,247,000 | 6,458 |
| Average total loans | $28,213,500 | 5,974 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1709% | 204 |
| Cost of funding earning assets | 0.8154% | 2,541 |
| Net interest margin | 5.3555% | 213 |
| Noninterest income to average assets | 0.5590% | 3,515 |
| Noninterest expense to average assets | 4.2315% | 739 |
| Loan and lease loss provision to assets | 0.2150% | 2,983 |
| Net operating income to assets | 0.4359% | 4,941 |
| Return on assets (ROA) | 0.5956% | 4,518 |
| Pretax return on assets | 0.6321% | 4,880 |
| Return on Equity (ROE) | 6.6138% | 3,852 |
| Retained earnings to average equity (ytd only) | -3.1995% | 6,278 |
| Net charge-offs to loans | 0.4820% | 2,311 |
| Credit loss provision to net charge-offs | 71.9424% | 4,100 |
| Earnings coverage of net charge-offs (x) | 2.2662% | 4,284 |
| Efficiency ratio | 86.2024% | 1,412 |
| Assets per employee ($millions) | 1.9423% | 6,918 |
| Cash dividends to net income (ytd only)* | 148.3755% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 5,997 |
| Loan loss allowance to noncurrent loans | 1,964.2857% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 5,446 |
| Noncurrent loans to loans | 0.0504% | 6,372 |
| Net loans and leases to total assets | 59.0098% | 3,795 |
| Net loans and leases to deposits | 69.9362% | 3,722 |
| Net loans and leases to core deposits | 75.4243% | 3,610 |
| Total domestic deposits to total assets | 84.3766% | 4,139 |
| Equity capital to assets | 9.0463% | 5,471 |
| Core capital (leverage) ratio | 7.3301% | 6,574 |
| Tier 1 risk-based capital ratio | 9.3495% | 6,818 |
| Total risk-based capital ratio | 10.1382% | 6,863 |
| Memoranda: | ||
| Average total assets | $46,508,800 | 6,312 |
| Average earning assets | $37,774,000 | 6,442 |
| Average equity | $4,188,200 | 6,524 |
| Average total loans | $28,836,000 | 6,002 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1369% | 238 |
| Cost of funding earning assets | 0.8568% | 2,486 |
| Net interest margin | 5.2801% | 251 |
| Noninterest income to average assets | 0.5593% | 3,545 |
| Noninterest expense to average assets | 3.9842% | 954 |
| Loan and lease loss provision to assets | 0.2868% | 2,277 |
| Net operating income to assets | 0.6001% | 4,394 |
| Return on assets (ROA) | 0.6540% | 4,389 |
| Pretax return on assets | 0.6942% | 4,884 |
| Return on Equity (ROE) | 7.2707% | 3,650 |
| Retained earnings to average equity (ytd only) | -5.8357% | 6,664 |
| Net charge-offs to loans | 0.5590% | 1,934 |
| Credit loss provision to net charge-offs | 81.9672% | 3,560 |
| Earnings coverage of net charge-offs (x) | 2.6394% | 3,979 |
| Efficiency ratio | 81.1806% | 1,908 |
| Assets per employee ($millions) | 1.8653% | 7,032 |
| Cash dividends to net income (ytd only)* | 180.2658% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,084 |
| Loan loss allowance to noncurrent loans | 9,733.3333% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 5,557 |
| Noncurrent loans to loans | 0.0103% | 6,639 |
| Net loans and leases to total assets | 64.5788% | 2,915 |
| Net loans and leases to deposits | 76.8352% | 2,850 |
| Net loans and leases to core deposits | 83.1464% | 2,804 |
| Total domestic deposits to total assets | 84.0485% | 4,194 |
| Equity capital to assets | 9.1005% | 5,708 |
| Core capital (leverage) ratio | 6.7241% | 6,841 |
| Tier 1 risk-based capital ratio | 8.3356% | 6,976 |
| Total risk-based capital ratio | 9.1440% | 7,002 |
| Memoranda: | ||
| Average total assets | $46,482,000 | 6,383 |
| Average earning assets | $38,280,750 | 6,500 |
| Average equity | $4,181,000 | 6,604 |
| Average total loans | $29,099,250 | 6,066 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1927% | 221 |
| Cost of funding earning assets | 0.9190% | 2,265 |
| Net interest margin | 5.2737% | 252 |
| Noninterest income to average assets | 0.5483% | 3,589 |
| Noninterest expense to average assets | 3.9869% | 954 |
| Loan and lease loss provision to assets | 0.1063% | 4,197 |
| Net operating income to assets | 0.7013% | 3,860 |
| Return on assets (ROA) | 0.7013% | 4,128 |
| Pretax return on assets | 0.7481% | 4,667 |
| Return on Equity (ROE) | 7.8261% | 3,332 |
| Retained earnings to average equity (ytd only) | 4.0316% | 3,925 |
| Net charge-offs to loans | 0.5298% | 2,002 |
| Credit loss provision to net charge-offs | 32.4675% | 4,396 |
| Earnings coverage of net charge-offs (x) | 2.6104% | 3,699 |
| Efficiency ratio | 82.3529% | 1,839 |
| Assets per employee ($millions) | 1.7973% | 7,104 |
| Cash dividends to net income (ytd only)* | 48.4848% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 6,434 |
| Loan loss allowance to noncurrent loans | 1,871.4286% | 260 |
| Noncurrent assets plus other real estate owned to assets | 1.5044% | 3,443 |
| Noncurrent loans to loans | 0.0485% | 6,558 |
| Net loans and leases to total assets | 61.1654% | 3,595 |
| Net loans and leases to deposits | 72.6649% | 3,504 |
| Net loans and leases to core deposits | 78.1292% | 3,497 |
| Total domestic deposits to total assets | 84.1747% | 4,242 |
| Equity capital to assets | 9.2662% | 5,368 |
| Core capital (leverage) ratio | 7.1340% | 6,773 |
| Tier 1 risk-based capital ratio | 9.6823% | 6,892 |
| Total risk-based capital ratio | 10.4559% | 6,957 |
| Memoranda: | ||
| Average total assets | $47,053,670 | 6,405 |
| Average earning assets | $38,303,000 | 6,538 |
| Average equity | $4,216,670 | 6,626 |
| Average total loans | $29,065,000 | 6,109 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2204% | 226 |
| Cost of funding earning assets | 0.9514% | 2,297 |
| Net interest margin | 5.2691% | 269 |
| Noninterest income to average assets | 0.6523% | 2,915 |
| Noninterest expense to average assets | 4.0410% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8302% | 3,252 |
| Return on assets (ROA) | 0.8302% | 3,481 |
| Pretax return on assets | 0.8811% | 4,104 |
| Return on Equity (ROE) | 9.4231% | 2,630 |
| Retained earnings to average equity (ytd only) | 1.7308% | 5,370 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0998% | 1,923 |
| Assets per employee ($millions) | 1.9710% | 7,126 |
| Cash dividends to net income (ytd only)* | 81.6327% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,928 |
| Loan loss allowance to noncurrent loans | 3,488.8889% | 150 |
| Noncurrent assets plus other real estate owned to assets | 1.5263% | 3,568 |
| Noncurrent loans to loans | 0.0313% | 6,685 |
| Net loans and leases to total assets | 60.1082% | 3,644 |
| Net loans and leases to deposits | 71.0275% | 3,582 |
| Net loans and leases to core deposits | 78.4835% | 3,264 |
| Total domestic deposits to total assets | 84.6268% | 4,198 |
| Equity capital to assets | 8.8472% | 5,699 |
| Core capital (leverage) ratio | 6.9386% | 6,864 |
| Tier 1 risk-based capital ratio | 9.4931% | 6,967 |
| Total risk-based capital ratio | 10.4212% | 7,014 |
| Memoranda: | ||
| Average total assets | $47,216,000 | 6,453 |
| Average earning assets | $38,261,000 | 6,590 |
| Average equity | $4,160,000 | 6,678 |
| Average total loans | $29,175,500 | 6,155 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1552% | 335 |
| Cost of funding earning assets | 1.0679% | 2,898 |
| Net interest margin | 5.0872% | 348 |
| Noninterest income to average assets | 0.7340% | 2,423 |
| Noninterest expense to average assets | 3.9795% | 1,067 |
| Loan and lease loss provision to assets | 0.2706% | 3,509 |
| Net operating income to assets | 0.7400% | 3,294 |
| Return on assets (ROA) | 0.7838% | 3,281 |
| Pretax return on assets | 0.8531% | 3,765 |
| Return on Equity (ROE) | 9.2825% | 2,332 |
| Retained earnings to average equity (ytd only) | -1.2565% | 6,051 |
| Net charge-offs to loans | 0.4122% | 3,361 |
| Credit loss provision to net charge-offs | 104.1667% | 3,306 |
| Earnings coverage of net charge-offs (x) | 4.1417% | 3,247 |
| Efficiency ratio | 78.7152% | 2,495 |
| Assets per employee ($millions) | 2.0491% | 7,144 |
| Cash dividends to net income (ytd only)* | 113.5359% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 5,959 |
| Loan loss allowance to noncurrent loans | 130.2905% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 5,535 |
| Noncurrent loans to loans | 0.8141% | 5,064 |
| Net loans and leases to total assets | 62.1486% | 3,576 |
| Net loans and leases to deposits | 74.2911% | 3,449 |
| Net loans and leases to core deposits | 82.2037% | 3,153 |
| Total domestic deposits to total assets | 83.6555% | 4,469 |
| Equity capital to assets | 8.7738% | 5,823 |
| Core capital (leverage) ratio | 7.1656% | 6,807 |
| Tier 1 risk-based capital ratio | 9.5712% | 6,946 |
| Total risk-based capital ratio | 10.5121% | 6,993 |
| Memoranda: | ||
| Average total assets | $46,186,800 | 6,477 |
| Average earning assets | $39,235,400 | 6,560 |
| Average equity | $3,899,800 | 6,783 |
| Average total loans | $29,108,600 | 6,198 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1762% | 343 |
| Cost of funding earning assets | 1.1100% | 2,913 |
| Net interest margin | 5.0662% | 367 |
| Noninterest income to average assets | 0.7515% | 2,305 |
| Noninterest expense to average assets | 3.8184% | 1,281 |
| Loan and lease loss provision to assets | 0.3627% | 2,691 |
| Net operating income to assets | 0.8437% | 2,970 |
| Return on assets (ROA) | 0.9024% | 2,872 |
| Pretax return on assets | 0.9778% | 3,484 |
| Return on Equity (ROE) | 10.7956% | 1,931 |
| Retained earnings to average equity (ytd only) | -3.4712% | 6,470 |
| Net charge-offs to loans | 0.4692% | 2,858 |
| Credit loss provision to net charge-offs | 122.5490% | 2,638 |
| Earnings coverage of net charge-offs (x) | 4.3136% | 3,107 |
| Efficiency ratio | 74.9431% | 3,014 |
| Assets per employee ($millions) | 1.9564% | 7,249 |
| Cash dividends to net income (ytd only)* | 132.1541% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 5,787 |
| Loan loss allowance to noncurrent loans | 115.2778% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7067% | 5,381 |
| Noncurrent loans to loans | 0.9764% | 4,935 |
| Net loans and leases to total assets | 64.8132% | 3,145 |
| Net loans and leases to deposits | 78.0851% | 2,966 |
| Net loans and leases to core deposits | 86.8286% | 2,668 |
| Total domestic deposits to total assets | 83.0033% | 4,683 |
| Equity capital to assets | 9.0362% | 5,707 |
| Core capital (leverage) ratio | 7.1007% | 6,928 |
| Tier 1 risk-based capital ratio | 9.5645% | 7,045 |
| Total risk-based capital ratio | 10.5748% | 7,073 |
| Memoranda: | ||
| Average total assets | $45,951,250 | 6,541 |
| Average earning assets | $39,397,500 | 6,613 |
| Average equity | $3,841,000 | 6,847 |
| Average total loans | $28,984,750 | 6,261 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1016% | 383 |
| Cost of funding earning assets | 1.1488% | 2,909 |
| Net interest margin | 4.9528% | 433 |
| Noninterest income to average assets | 0.7175% | 2,447 |
| Noninterest expense to average assets | 3.8514% | 1,277 |
| Loan and lease loss provision to assets | 0.5403% | 1,803 |
| Net operating income to assets | 0.5008% | 4,498 |
| Return on assets (ROA) | 0.5835% | 4,270 |
| Pretax return on assets | 0.6700% | 4,498 |
| Return on Equity (ROE) | 7.1694% | 3,366 |
| Retained earnings to average equity (ytd only) | -9.0281% | 6,828 |
| Net charge-offs to loans | 0.2915% | 3,418 |
| Credit loss provision to net charge-offs | 297.6190% | 1,029 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 2,456 |
| Efficiency ratio | 77.5457% | 2,780 |
| Assets per employee ($millions) | 1.9864% | 7,300 |
| Cash dividends to net income (ytd only)* | 225.9259% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 4,913 |
| Loan loss allowance to noncurrent loans | 123.6593% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 5,386 |
| Noncurrent loans to loans | 1.0772% | 4,867 |
| Net loans and leases to total assets | 63.5520% | 3,569 |
| Net loans and leases to deposits | 74.9716% | 3,649 |
| Net loans and leases to core deposits | 83.0164% | 3,361 |
| Total domestic deposits to total assets | 84.7681% | 3,986 |
| Equity capital to assets | 8.5298% | 6,149 |
| Core capital (leverage) ratio | 6.8523% | 7,046 |
| Tier 1 risk-based capital ratio | 9.2851% | 7,143 |
| Total risk-based capital ratio | 10.4695% | 7,149 |
| Memoranda: | ||
| Average total assets | $46,269,330 | 6,590 |
| Average earning assets | $39,694,330 | 6,650 |
| Average equity | $3,766,000 | 6,911 |
| Average total loans | $28,814,330 | 6,331 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9777% | 492 |
| Cost of funding earning assets | 1.1835% | 2,921 |
| Net interest margin | 4.7942% | 576 |
| Noninterest income to average assets | 0.6959% | 2,605 |
| Noninterest expense to average assets | 3.6254% | 1,713 |
| Loan and lease loss provision to assets | 0.0430% | 5,454 |
| Net operating income to assets | 1.1340% | 1,723 |
| Return on assets (ROA) | 1.1340% | 1,769 |
| Pretax return on assets | 1.1340% | 2,630 |
| Return on Equity (ROE) | 14.2683% | 939 |
| Retained earnings to average equity (ytd only) | -18.1597% | 7,121 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4919% | 3,243 |
| Assets per employee ($millions) | 2.0790% | 7,322 |
| Cash dividends to net income (ytd only)* | 227.2727% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 6,078 |
| Loan loss allowance to noncurrent loans | 88.4507% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 5,358 |
| Noncurrent loans to loans | 1.2346% | 4,622 |
| Net loans and leases to total assets | 62.1824% | 3,814 |
| Net loans and leases to deposits | 71.4418% | 4,147 |
| Net loans and leases to core deposits | 78.7839% | 3,924 |
| Total domestic deposits to total assets | 87.0392% | 2,919 |
| Equity capital to assets | 8.0589% | 6,439 |
| Core capital (leverage) ratio | 6.8554% | 7,066 |
| Tier 1 risk-based capital ratio | 9.4424% | 7,158 |
| Total risk-based capital ratio | 10.4066% | 7,209 |
| Memoranda: | ||
| Average total assets | $46,560,500 | 6,620 |
| Average earning assets | $39,881,500 | 6,692 |
| Average equity | $3,700,500 | 6,957 |
| Average total loans | $28,508,000 | 6,395 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3337% | 434 |
| Cost of funding earning assets | 1.7714% | 1,290 |
| Net interest margin | 4.5623% | 1,102 |
| Noninterest income to average assets | 0.6255% | 3,310 |
| Noninterest expense to average assets | 3.7015% | 1,696 |
| Loan and lease loss provision to assets | 0.0636% | 6,507 |
| Net operating income to assets | 0.7054% | 3,210 |
| Return on assets (ROA) | 0.7013% | 3,352 |
| Pretax return on assets | 0.6644% | 4,114 |
| Return on Equity (ROE) | 9.0199% | 2,281 |
| Retained earnings to average equity (ytd only) | 2.7429% | 3,935 |
| Net charge-offs to loans | 0.0744% | 6,058 |
| Credit loss provision to net charge-offs | 140.9091% | 2,674 |
| Earnings coverage of net charge-offs (x) | 16.2273% | 1,221 |
| Efficiency ratio | 83.4875% | 1,986 |
| Assets per employee ($millions) | 1.9743% | 7,432 |
| Cash dividends to net income (ytd only)* | 69.5906% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 5,973 |
| Loan loss allowance to noncurrent loans | 166.1290% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 6,290 |
| Noncurrent loans to loans | 0.6582% | 5,734 |
| Net loans and leases to total assets | 58.9916% | 4,845 |
| Net loans and leases to deposits | 68.0296% | 5,100 |
| Net loans and leases to core deposits | 75.9400% | 4,724 |
| Total domestic deposits to total assets | 86.7146% | 2,969 |
| Equity capital to assets | 7.8404% | 6,650 |
| Core capital (leverage) ratio | 6.9299% | 7,055 |
| Tier 1 risk-based capital ratio | 9.9794% | 6,990 |
| Total risk-based capital ratio | 10.9302% | 7,087 |
| Memoranda: | ||
| Average total assets | $48,764,000 | 6,583 |
| Average earning assets | $40,702,800 | 6,690 |
| Average equity | $3,791,600 | 7,059 |
| Average total loans | $29,555,200 | 6,418 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3532% | 455 |
| Cost of funding earning assets | 1.8553% | 1,188 |
| Net interest margin | 4.4979% | 1,260 |
| Noninterest income to average assets | 0.6163% | 3,343 |
| Noninterest expense to average assets | 3.5702% | 1,852 |
| Loan and lease loss provision to assets | 0.0842% | 6,195 |
| Net operating income to assets | 0.7520% | 3,208 |
| Return on assets (ROA) | 0.7466% | 3,385 |
| Pretax return on assets | 0.6950% | 4,244 |
| Return on Equity (ROE) | 9.6217% | 2,281 |
| Retained earnings to average equity (ytd only) | 1.2945% | 5,292 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9825% | 2,059 |
| Assets per employee ($millions) | 1.9295% | 7,538 |
| Cash dividends to net income (ytd only)* | 86.5461% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 5,821 |
| Loan loss allowance to noncurrent loans | 11,033.3333% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 7,117 |
| Noncurrent loans to loans | 0.0102% | 7,247 |
| Net loans and leases to total assets | 60.1343% | 4,886 |
| Net loans and leases to deposits | 70.6024% | 5,067 |
| Net loans and leases to core deposits | 78.2050% | 4,780 |
| Total domestic deposits to total assets | 85.1732% | 3,531 |
| Equity capital to assets | 8.4230% | 6,363 |
| Core capital (leverage) ratio | 6.6496% | 7,296 |
| Tier 1 risk-based capital ratio | 9.4638% | 7,260 |
| Total risk-based capital ratio | 10.4504% | 7,338 |
| Memoranda: | ||
| Average total assets | $49,109,250 | 6,653 |
| Average earning assets | $40,818,250 | 6,764 |
| Average equity | $3,810,750 | 7,144 |
| Average total loans | $29,878,750 | 6,486 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3612% | 443 |
| Cost of funding earning assets | 1.9415% | 1,071 |
| Net interest margin | 4.4197% | 1,393 |
| Noninterest income to average assets | 0.6275% | 3,145 |
| Noninterest expense to average assets | 3.5789% | 1,834 |
| Loan and lease loss provision to assets | 0.1255% | 5,631 |
| Net operating income to assets | 0.6680% | 3,542 |
| Return on assets (ROA) | 0.6599% | 3,737 |
| Pretax return on assets | 0.5830% | 4,613 |
| Return on Equity (ROE) | 8.7478% | 2,565 |
| Retained earnings to average equity (ytd only) | 0.1610% | 5,682 |
| Net charge-offs to loans | 0.0665% | 5,477 |
| Credit loss provision to net charge-offs | 310.0000% | 1,177 |
| Earnings coverage of net charge-offs (x) | 17.7000% | 1,322 |
| Efficiency ratio | 83.3176% | 1,998 |
| Assets per employee ($millions) | 1.8685% | 7,626 |
| Cash dividends to net income (ytd only)* | 98.1595% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 6,052 |
| Loan loss allowance to noncurrent loans | 2,140.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 7,092 |
| Noncurrent loans to loans | 0.0503% | 7,192 |
| Net loans and leases to total assets | 60.7007% | 4,931 |
| Net loans and leases to deposits | 70.6950% | 5,180 |
| Net loans and leases to core deposits | 77.8608% | 4,973 |
| Total domestic deposits to total assets | 85.8628% | 3,172 |
| Equity capital to assets | 7.8343% | 6,895 |
| Core capital (leverage) ratio | 6.5412% | 7,371 |
| Tier 1 risk-based capital ratio | 9.2216% | 7,367 |
| Total risk-based capital ratio | 10.1638% | 7,444 |
| Memoranda: | ||
| Average total assets | $49,400,000 | 6,672 |
| Average earning assets | $40,998,670 | 6,814 |
| Average equity | $3,726,670 | 7,206 |
| Average total loans | $30,059,000 | 6,523 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3645% | 474 |
| Cost of funding earning assets | 1.9568% | 1,220 |
| Net interest margin | 4.4077% | 1,369 |
| Noninterest income to average assets | 0.6344% | 3,051 |
| Noninterest expense to average assets | 3.3809% | 2,292 |
| Loan and lease loss provision to assets | 0.1285% | 5,284 |
| Net operating income to assets | 0.9315% | 2,423 |
| Return on assets (ROA) | 0.9155% | 2,553 |
| Pretax return on assets | 0.7629% | 4,017 |
| Return on Equity (ROE) | 12.3678% | 1,399 |
| Retained earnings to average equity (ytd only) | 3.1462% | 4,261 |
| Net charge-offs to loans | 0.1590% | 3,971 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 9.4167% | 1,855 |
| Efficiency ratio | 78.8390% | 2,754 |
| Assets per employee ($millions) | 1.9002% | 7,714 |
| Cash dividends to net income (ytd only)* | 74.5614% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,382 |
| Loan loss allowance to noncurrent loans | 3,377.7778% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 7,217 |
| Noncurrent loans to loans | 0.0301% | 7,340 |
| Net loans and leases to total assets | 59.9960% | 5,120 |
| Net loans and leases to deposits | 69.7042% | 5,392 |
| Net loans and leases to core deposits | 77.7530% | 5,055 |
| Total domestic deposits to total assets | 86.0723% | 3,117 |
| Equity capital to assets | 7.6025% | 6,991 |
| Core capital (leverage) ratio | 6.4859% | 7,473 |
| Tier 1 risk-based capital ratio | 9.1542% | 7,442 |
| Total risk-based capital ratio | 10.0330% | 7,542 |
| Memoranda: | ||
| Average total assets | $49,809,500 | 6,735 |
| Average earning assets | $41,291,500 | 6,886 |
| Average equity | $3,687,000 | 7,292 |
| Average total loans | $30,183,500 | 6,596 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4388% | 757 |
| Cost of funding earning assets | 2.3255% | 1,558 |
| Net interest margin | 4.1133% | 2,394 |
| Noninterest income to average assets | 0.6572% | 3,243 |
| Noninterest expense to average assets | 3.5883% | 2,177 |
| Loan and lease loss provision to assets | 0.1184% | 6,459 |
| Net operating income to assets | 0.4354% | 3,985 |
| Return on assets (ROA) | 0.4552% | 4,032 |
| Pretax return on assets | 0.4695% | 4,287 |
| Return on Equity (ROE) | 6.4243% | 3,025 |
| Retained earnings to average equity (ytd only) | -0.3169% | 5,028 |
| Net charge-offs to loans | 0.1555% | 5,707 |
| Credit loss provision to net charge-offs | 120.8333% | 4,416 |
| Earnings coverage of net charge-offs (x) | 5.7917% | 2,501 |
| Efficiency ratio | 86.3458% | 2,073 |
| Assets per employee ($millions) | 1.9313% | 7,767 |
| Cash dividends to net income (ytd only)* | 104.9327% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 6,463 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 7,235 |
| Noncurrent loans to loans | 0.0296% | 7,359 |
| Net loans and leases to total assets | 59.9873% | 5,336 |
| Net loans and leases to deposits | 69.2890% | 5,688 |
| Net loans and leases to core deposits | 91.4118% | 4,960 |
| Total domestic deposits to total assets | 86.5755% | 2,721 |
| Equity capital to assets | 7.2052% | 7,257 |
| Core capital (leverage) ratio | 6.5396% | 7,473 |
| Tier 1 risk-based capital ratio | 10.2032% | 6,681 |
| Total risk-based capital ratio | 11.1783% | 6,912 |
| Memoranda: | ||
| Average total assets | $48,992,800 | 6,750 |
| Average earning assets | $41,669,200 | 6,874 |
| Average equity | $3,471,200 | 7,451 |
| Average total loans | $30,865,800 | 6,583 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4442% | 848 |
| Cost of funding earning assets | 2.3794% | 1,703 |
| Net interest margin | 4.0648% | 2,531 |
| Noninterest income to average assets | 0.6463% | 3,373 |
| Noninterest expense to average assets | 3.5217% | 2,225 |
| Loan and lease loss provision to assets | 0.1150% | 6,215 |
| Net operating income to assets | 0.4743% | 4,096 |
| Return on assets (ROA) | 0.4929% | 4,110 |
| Pretax return on assets | 0.5094% | 4,492 |
| Return on Equity (ROE) | 6.9876% | 3,076 |
| Retained earnings to average equity (ytd only) | -2.0964% | 5,743 |
| Net charge-offs to loans | 0.1463% | 5,237 |
| Credit loss provision to net charge-offs | 123.5294% | 4,082 |
| Earnings coverage of net charge-offs (x) | 6.5003% | 2,594 |
| Efficiency ratio | 85.3351% | 2,148 |
| Assets per employee ($millions) | 2.0364% | 7,770 |
| Cash dividends to net income (ytd only)* | 130.0013% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,440 |
| Loan loss allowance to noncurrent loans | 2,709.0909% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 7,218 |
| Noncurrent loans to loans | 0.0358% | 7,425 |
| Net loans and leases to total assets | 62.2204% | 5,205 |
| Net loans and leases to deposits | 72.4869% | 5,581 |
| Net loans and leases to core deposits | 96.5396% | 4,746 |
| Total domestic deposits to total assets | 85.8368% | 2,790 |
| Equity capital to assets | 7.6402% | 7,198 |
| Core capital (leverage) ratio | 6.4056% | 7,702 |
| Tier 1 risk-based capital ratio | 10.2223% | 6,758 |
| Total risk-based capital ratio | 11.2065% | 6,975 |
| Memoranda: | ||
| Average total assets | $48,687,500 | 6,815 |
| Average earning assets | $41,690,500 | 6,927 |
| Average equity | $3,434,500 | 7,534 |
| Average total loans | $30,976,750 | 6,629 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4644% | 887 |
| Cost of funding earning assets | 2.4771% | 1,694 |
| Net interest margin | 3.9874% | 2,757 |
| Noninterest income to average assets | 0.6581% | 3,281 |
| Noninterest expense to average assets | 3.3768% | 2,697 |
| Loan and lease loss provision to assets | 0.1111% | 6,037 |
| Net operating income to assets | 0.5641% | 3,830 |
| Return on assets (ROA) | 0.5841% | 3,857 |
| Pretax return on assets | 0.6005% | 4,320 |
| Return on Equity (ROE) | 8.5166% | 2,564 |
| Retained earnings to average equity (ytd only) | -2.7589% | 5,925 |
| Net charge-offs to loans | 0.2382% | 4,008 |
| Credit loss provision to net charge-offs | 72.9730% | 5,364 |
| Earnings coverage of net charge-offs (x) | 4.5405% | 3,073 |
| Efficiency ratio | 83.0131% | 2,601 |
| Assets per employee ($millions) | 1.8738% | 7,935 |
| Cash dividends to net income (ytd only)* | 132.3944% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 6,753 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 7,133 |
| Noncurrent loans to loans | 0.0903% | 7,300 |
| Net loans and leases to total assets | 63.0383% | 5,177 |
| Net loans and leases to deposits | 72.7628% | 5,638 |
| Net loans and leases to core deposits | 96.9964% | 4,790 |
| Total domestic deposits to total assets | 86.6353% | 2,441 |
| Equity capital to assets | 6.9810% | 7,627 |
| Core capital (leverage) ratio | 6.5200% | 7,786 |
| Tier 1 risk-based capital ratio | 10.2446% | 6,657 |
| Total risk-based capital ratio | 11.1687% | 6,945 |
| Memoranda: | ||
| Average total assets | $48,625,670 | 6,884 |
| Average earning assets | $41,581,330 | 6,991 |
| Average equity | $3,334,670 | 7,623 |
| Average total loans | $31,066,670 | 6,670 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4051% | 1,052 |
| Cost of funding earning assets | 2.5331% | 1,788 |
| Net interest margin | 3.8719% | 3,178 |
| Noninterest income to average assets | 0.6587% | 3,146 |
| Noninterest expense to average assets | 3.2524% | 2,788 |
| Loan and lease loss provision to assets | 0.0494% | 6,354 |
| Net operating income to assets | 0.6435% | 3,824 |
| Return on assets (ROA) | 0.6834% | 3,822 |
| Pretax return on assets | 0.7081% | 4,408 |
| Return on Equity (ROE) | 10.0560% | 2,291 |
| Retained earnings to average equity (ytd only) | -5.6944% | 6,645 |
| Net charge-offs to loans | 0.4758% | 2,261 |
| Credit loss provision to net charge-offs | 16.2162% | 5,127 |
| Earnings coverage of net charge-offs (x) | 2.3514% | 3,552 |
| Efficiency ratio | 81.9502% | 2,538 |
| Assets per employee ($millions) | 1.9229% | 7,944 |
| Cash dividends to net income (ytd only)* | 156.6265% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 7,011 |
| Loan loss allowance to noncurrent loans | 1,036.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 4,978 |
| Noncurrent loans to loans | 0.0811% | 7,291 |
| Net loans and leases to total assets | 63.6158% | 5,051 |
| Net loans and leases to deposits | 73.4544% | 5,546 |
| Net loans and leases to core deposits | 100.6848% | 4,474 |
| Total domestic deposits to total assets | 86.6058% | 2,402 |
| Equity capital to assets | 6.7897% | 7,768 |
| Core capital (leverage) ratio | 6.4180% | 7,910 |
| Tier 1 risk-based capital ratio | 10.4483% | 6,448 |
| Total risk-based capital ratio | 11.3207% | 6,753 |
| Memoranda: | ||
| Average total assets | $48,579,500 | 6,922 |
| Average earning assets | $41,529,500 | 7,038 |
| Average equity | $3,301,500 | 7,686 |
| Average total loans | $31,104,500 | 6,694 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2538% | 656 |
| Cost of funding earning assets | 3.1183% | 1,458 |
| Net interest margin | 4.1356% | 2,557 |
| Noninterest income to average assets | 0.7066% | 3,084 |
| Noninterest expense to average assets | 3.4218% | 2,602 |
| Loan and lease loss provision to assets | 0.1270% | 5,740 |
| Net operating income to assets | 0.7116% | 3,839 |
| Return on assets (ROA) | 0.5796% | 4,255 |
| Pretax return on assets | 0.6093% | 4,664 |
| Return on Equity (ROE) | 8.1396% | 3,012 |
| Retained earnings to average equity (ytd only) | 1.2544% | 4,470 |
| Net charge-offs to loans | 0.2921% | 3,448 |
| Credit loss provision to net charge-offs | 68.8172% | 6,089 |
| Earnings coverage of net charge-offs (x) | 4.7419% | 3,878 |
| Efficiency ratio | 79.6305% | 2,649 |
| Assets per employee ($millions) | 2.0453% | 7,875 |
| Cash dividends to net income (ytd only)* | 84.5890% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 6,533 |
| Loan loss allowance to noncurrent loans | 175.7576% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 3,945 |
| Noncurrent loans to loans | 0.5260% | 5,775 |
| Net loans and leases to total assets | 63.3134% | 5,400 |
| Net loans and leases to deposits | 73.0045% | 5,948 |
| Net loans and leases to core deposits | 99.7400% | 4,847 |
| Total domestic deposits to total assets | 86.7253% | 2,080 |
| Equity capital to assets | 6.8023% | 7,829 |
| Core capital (leverage) ratio | 6.5083% | 7,931 |
| Tier 1 risk-based capital ratio | 10.3633% | 6,350 |
| Total risk-based capital ratio | 11.3177% | 6,542 |
| Memoranda: | ||
| Average total assets | $50,382,200 | 6,759 |
| Average earning assets | $43,742,400 | 6,865 |
| Average equity | $3,587,400 | 7,650 |
| Average total loans | $31,836,800 | 6,613 |